{ "queries": { "7618f000-3054-4d61-bdf8-3a7b6befdfb7": "What is the fiscal year end date for Ameriprise Financial, Inc. as stated in the document?", "a2db48de-654a-4a8a-85a0-3a66a131056b": "What is the Commission File Number for Ameriprise Financial, Inc.?", "d7e0f043-0f80-48b5-94b0-f0f155a819fb": "What is the trading symbol for Ameriprise Financial, Inc. on the New York Stock Exchange?", "896510fe-5c7b-4b9f-86c1-e07bf2da4039": "What is the address of the principal executive offices of Ameriprise Financial, Inc.?", "769e9fdc-1939-40b3-97f5-5bfd61a3b549": "As of June 30, 2023, what was the approximate aggregate market value of voting shares held by non-affiliates of Ameriprise Financial, Inc.?", "ff0e45e5-4b93-4af5-a3f7-41f92e193f43": "Is Ameriprise Financial, Inc. classified as a large accelerated filer, accelerated filer, non-accelerated filer, smaller reporting company, or emerging growth company?", "28c6f616-0280-40ae-9174-ffbb1b3ae09c": "What is the I.R.S. Employer Identification Number for Ameriprise Financial, Inc.?", "e8a32f02-f941-4472-8f8a-80226fa4a248": "Did Ameriprise Financial, Inc. indicate whether it has filed all required reports during the preceding 12 months?", "8b99734e-9619-4c36-aa70-92de94d5eab6": "What state is Ameriprise Financial, Inc. incorporated in?", "746d0e07-e851-4b7b-bf29-b792bcc80884": "Does the document indicate if Ameriprise Financial, Inc. is a shell company?", "8a6474f3-b0a9-4330-b552-e0b681c7d5fa": "What is the par value of the common stock mentioned in the document?", "b180c5a5-6135-48c5-a309-bd5c76f68548": "As of February 9, 2024, how many shares of common stock are outstanding?", "0f400fe6-5186-4feb-9f72-713964be8039": "What is the date of the upcoming Annual Meeting of Shareholders referenced in the document?", "ae5f0f7a-b8a5-49b9-a946-6331402166dc": "Which document will be incorporated by reference in connection with the Annual Meeting of Shareholders?", "b52b8b4b-7e87-422f-a6b3-f2d376923055": "What is the total number of shares outstanding for the registrant\u2019s common stock?", "8a257001-3460-4df8-9a52-e69a3cc74019": "What class of stock is mentioned in the document?", "69102020-3915-48b2-ae0c-ddc6d80cf6aa": "When is the Proxy Statement expected to be filed with the Securities and Exchange Commission?", "73b1ffb9-3d24-496f-add9-df72c663d636": "What is the significance of the number of shares outstanding for investors?", "6d34e1b1-6437-46eb-a4e1-008fda6cbd78": "What type of information is typically included in a Proxy Statement?", "7bd57e9c-4381-45a4-a51a-aa28d765ac59": "How does the outstanding share count as of February 9, 2024, impact the company's market capitalization?", "5264c6b0-e308-49fd-a1d4-ec7c88ba22aa": "What is the primary focus of Item 1 in the Ameriprise Financial, Inc. FORM 10-K document?", "70788f49-bfaa-4737-8849-115881bdc4be": "Which section of the document addresses potential risks faced by Ameriprise Financial, Inc.?", "7d61b3ea-5ae8-4296-a6ab-37c95d826ce3": "What information can be found in Item 1C of the Ameriprise Financial, Inc. FORM 10-K?", "6c75da22-f29c-45f4-bd71-adfc75cc88de": "How does Item 7A of the document relate to market risk?", "64344292-cc5f-4513-ac7d-ae8b1af9ea13": "What type of information is reserved in Item 6 of the Ameriprise Financial, Inc. FORM 10-K?", "4ebf4d75-1255-4f49-bc0c-2106a8b505a2": "In which part of the document would you find details about executive compensation?", "e939fc5a-5d6c-47d3-8a46-a93a2a2b27c7": "What is the purpose of Item 15 in the Ameriprise Financial, Inc. FORM 10-K?", "4d1decd5-5b6a-4717-8f10-2b13a7aef31f": "Where can you find the condensed financial information of the registrant in the document?", "e7526e7c-4f9b-4151-adf2-850a7d472d06": "What does Item 9A cover regarding the company's controls and procedures?", "aec16e8b-26e6-4507-aad3-2626c21eaaa7": "Which section of the FORM 10-K discusses the company's legal proceedings?", "9cdb1639-cf71-4f47-adf3-a02ff3830b96": "What is the primary business focus of Ameriprise Financial, Inc.?", "e32ea4e5-fc76-4427-b13d-6e107dc22335": "How does Ameriprise Financial define its target market for Wealth Management services?", "fcb29902-17da-4ba3-be4d-5ee783deecde": "What are the two main go-to-market approaches utilized by Ameriprise Financial?", "babd9eb3-2525-457f-b192-80d964c21ab9": "What demographic trends are driving demand for financial advice and solutions according to Ameriprise Financial?", "d9652951-ee06-4b75-9f32-fdca359ea308": "How many financial advisors does Ameriprise Financial have, and what role do they play in the company's operations?", "dcf89200-eac5-460f-b417-f7ee60471405": "What brand represents Ameriprise Financial's global asset management business?", "52109f83-e0a6-4cb4-83c6-a2a44dd87f9c": "What significant acquisition did Ameriprise Financial make in November 2021, and what was the outcome of that acquisition?", "417eb877-4f8d-48d7-b0c7-54db877c6753": "How does Ameriprise Financial support its financial advisors in serving clients?", "89186e1e-270b-4470-af52-2d6bd5f255b1": "What types of products and services does Ameriprise Financial offer through its advisors?", "aa60ff02-1b7b-4cd4-87bf-700e71eee5c8": "In which markets does Ameriprise Financial aim to expand its asset management capabilities?", "e7919264-9774-4156-affd-45e75e9311cd": "What types of investment products does Columbia Threadneedle primarily offer?", "52090e4b-5eda-4eea-8433-9d31d1b10131": "How does Columbia Threadneedle aim to enhance its asset management offerings?", "dbfde805-baa1-4ae9-a685-f323ce6f3609": "What is the historical significance of Investors Syndicate in relation to Columbia Threadneedle?", "39c9f2b8-c358-4b18-8665-d3a6972942ed": "In which markets does Columbia Threadneedle focus its asset management capabilities?", "cd836242-4220-498f-bb3a-e5fe859e2396": "How long has Columbia Threadneedle been providing financial solutions to clients?", "c2c12d7d-8d3a-400a-86d0-3c7f6799d9ea": "What strategic relationships does Columbia Threadneedle leverage to grow its assets under management?", "83792b42-d6d6-43af-b95f-b36f8db6de36": "What year was Columbia Threadneedle formed as a Delaware corporation?", "157bd126-c1b5-424b-a7b9-f5aa8e9e8259": "How does Columbia Threadneedle's asset management philosophy influence its investment performance?", "28b487a1-5fd2-42cd-9a6b-a0cc33720503": "What are some of the key regions where Columbia Threadneedle is expanding its services?", "bb53652a-8d6e-490a-a720-98054329a208": "What was the original purpose of the company founded in 1894, known as Investors Syndicate?", "9df20b74-9f25-4fb0-a9d1-fd7666da37be": "What was the original name of Ameriprise Financial, Inc. before it rebranded in 1994?", "6f57c66e-2f43-4109-b324-5126d12de01b": "Which company did Ameriprise Financial, Inc. spin off from in 2005?", "59df4853-1bc2-442d-8216-714e9255ac38": "Name one of the strategic acquisitions made by Ameriprise Financial, Inc. to enhance its product offerings.", "939f2ea6-a908-4fa6-813d-d8e760f6c715": "What regulatory approvals did Ameriprise Financial receive in May 2019 regarding its banking products?", "dc4d8880-b33d-4944-9682-2451c02fef1f": "What is the current status of Ameriprise Bank, FSB as of July 2023?", "faa295f9-2d4d-4d4b-a9a2-73e294f7eb49": "How does Ameriprise Financial, Inc. plan to grow its Wealth Management business beyond traditional acquisitions?", "f63726de-7a25-4084-9488-722ee80404ba": "What are the four operating segments reflected in Ameriprise Financial's financial results?", "89dc5e12-7b5b-4cf3-8065-e85a4045e705": "Which organization supervises Ameriprise Financial as a savings and loan holding company?", "4ce3af9d-c634-448c-a42f-fdc08e0f6b92": "What significant change did Ameriprise Financial announce on July 13, 2023, regarding its banking operations?", "223dcebd-69ee-4e28-9880-335a8c3aa627": "How has Ameriprise Financial, Inc. expanded its scale and performance over the years?", "9f40674c-23b9-4ef5-ac3e-48f0d40c678f": "What was the total amount of assets under management and administration for Ameriprise Financial, Inc. as of December 31, 2023?", "e7520099-fd0e-482e-8ec7-56a7275e72e6": "How does Ameriprise Financial measure its ability to gather and retain assets?", "86e824aa-5cc1-42c1-b786-1d06972e7d7c": "What are the primary business segments of Ameriprise Financial, Inc. mentioned in the document?", "099c6407-483a-4c1c-9c22-370c559f85d3": "Which brand is used by Ameriprise Financial as its enterprise brand and for its advisor network?", "e940566d-5593-49c5-b64e-49961945579a": "What services does the Advice & Wealth Management segment of Ameriprise Financial provide to its clients?", "5be25ec1-018d-438d-9398-521b634e3226": "What is the significance of the Columbia Threadneedle brand within Ameriprise Financial's operations?", "f0310a9d-5a57-4e7c-8873-ea1c2fd440f4": "How does Ameriprise Financial aim to grow its Wealth Management business according to the document?", "e75d29e0-3450-49f7-b5fa-b969a5c3d029": "What types of products are offered under the RiverSource brand by Ameriprise Financial?", "fdac868e-864f-43de-a04e-76fa43a48827": "What is the historical comparison of assets under management for Ameriprise Financial from 2022 to 2023?", "b2463b78-5b47-4c02-ba22-710723b0d2a2": "How do Ameriprise Financial's financial advisors approach financial planning for their clients?", "c21fe8e0-68dd-4490-836e-d365b73aa7d9": "What types of revenue does Ameriprise Financial, Inc. generate from its Advice & Wealth Management segment?", "bf60fe1f-4b50-4da0-91f5-f11e5000aeb1": "How does Ameriprise Financial, Inc. support its financial advisors through its advisor platform?", "b912d07e-1118-4a05-8625-e3278df679c0": "What are the different ways advisors can affiliate with Ameriprise Financial, Inc.?", "b1b49cd5-4138-4e87-bf0a-6b22b599eb16": "What financial products and services does Ameriprise offer through its Advice & Wealth Management segment?", "5461d70c-b726-49b5-b788-2f6bce567a63": "How does Ameriprise Financial, Inc. earn net investment income?", "39c71d58-7806-4418-a822-714aadd55507": "What role do intersegment revenues and expenses play in Ameriprise's consolidated results?", "2348bd77-0341-4723-b47e-84f2a7be7571": "What types of investment advisory accounts does Ameriprise provide, and how are fees structured for these accounts?", "23020f46-b509-47e7-80b3-8698c3b4ba1f": "What is the significance of Columbia Threadneedle in Ameriprise's asset management segment?", "c10f0fa2-481a-43bd-9eee-c7b990eb646c": "What types of banking products does Ameriprise offer to its clients?", "2a302100-1bde-4176-91b6-494c76337dd5": "How does Ameriprise Financial, Inc. generate revenue from mutual fund offerings?", "972f6738-02d3-4524-b2ce-5a6cbdc310f2": "What is the total amount of worldwide managed assets reported by Ameriprise Financial's Asset Management segment as of December 31, 2023?", "1ccd613b-2499-49f6-a20c-6c532dd57d3b": "Which two primary subsidiaries are mentioned as part of Ameriprise Financial's Asset Management segment?", "c0e3ea84-f1e4-4079-90d7-b0cdc3452ac0": "How does Ameriprise Financial earn revenues in its Asset Management segment?", "3f32a3ea-b867-435c-89d1-0895e11bb5bc": "What types of investment management services are excluded from the managed external client assets?", "d3f4fbb0-bf46-4917-a3ef-8cc94e3c6871": "In how many key markets globally does Ameriprise Financial's investment management business have a presence?", "cd2415d7-69f8-4e10-8b11-94311beba83c": "What types of funds are included in the Columbia Management family of funds?", "3980154a-8fb7-4274-b1aa-c10391dafd14": "What are the different product structures offered by Columbia Threadneedle for non-U.S. retail focused funds?", "587e44bf-4725-4f8a-b541-980997c4ec30": "What is the purpose of the European-based pooled investment funds mentioned in the document?", "33c35409-c578-4616-9d57-f61aa95d78e4": "How are intersegment expenses reflected in the results of the Asset Management segment?", "fdfaba0c-bce2-4331-9e11-8f04f6a9f93b": "What investment management capabilities and products does Ameriprise Financial offer to meet client needs?", "cf00a345-4659-4619-8b28-c2e483dbaf4d": "What types of clients does Ameriprise Financial, Inc. serve with its separately managed accounts?", "3c6790e6-0eed-46d4-9dde-f4021d447be0": "What services does Ameriprise Financial provide in relation to collateralized loan obligations (CLOs)?", "16914a9e-5b3a-4b22-85fe-652d0386b00a": "How does Ameriprise Financial's distribution team support its global asset management business?", "3f1841f3-d0a8-428c-9caa-2d623a105a74": "What are the primary revenue sources for Ameriprise Financial's Retirement Solutions segment?", "aafe0188-fd7d-4866-b244-fa2cf2653301": "What types of insurance products does Ameriprise Financial offer through its RiverSource brand?", "b8ecc298-8303-45e1-ab12-6a12cb351c4e": "How does Ameriprise Financial earn fees from its variable annuity products?", "fde5c2f7-0ff4-4351-b0dc-7f847236ce29": "What distinguishes the advisor network of Ameriprise Financial in the distribution of RiverSource annuity products?", "70fbc18b-af73-44fb-bb45-157a0140814c": "What are the main categories of distribution activities within Ameriprise Financial's asset management business?", "4158771e-4050-44c4-96ae-57dc1239da37": "How does Ameriprise Financial address clients' protection and risk management needs?", "dbec5ece-b2df-4abc-9d3a-cde00d3a66ad": "What types of fees does Ameriprise Financial receive for managing collective funds and separately managed accounts?", "08c1420d-8dc5-4c47-a7ec-c4e8110b3add": "What types of insurance products are provided by the protection segment mentioned in the document?", "ca20551b-23b5-4f7b-b1ac-1327b2f4284d": "How does the Asset Management segment contribute to the revenues of the protection business?", "67b57c49-01a5-4100-a8dc-40f6e0a10500": "What are the primary sources of revenue for the protection business as described in the document?", "d9ea34ef-c293-4eaa-b1e9-f4d96a14fcee": "What role do advisors play in the distribution of RiverSource insurance products?", "1da77b70-e9f9-4d7e-904b-327771369bcb": "How are intersegment revenues and expenses treated in the consolidated results of the company?", "50a9e701-d24e-47b5-8d0b-6dba06945851": "What types of fees are associated with the variable universal life investment options mentioned in the document?", "db1b7bbd-9fd2-44b8-b715-610775d32bd3": "What services does the Advice & Wealth Management segment provide that incur intersegment expenses?", "9c9fc446-778a-4679-9108-f1fde313da57": "How does the company earn net investment income related to its insurance products?", "1590c620-34c9-42e2-b1c7-24f11b5dbe22": "What is the significance of VIT Funds in relation to the protection products offered?", "16e910cd-06d3-4788-a0fa-24b8f86c3895": "What types of expenses are included in the intersegment expenses for the protection products?", "d47d0ede-d536-4556-8689-7ab471f00cd7": "What types of products does Ameriprise Financial, Inc. offer through the RiverSource Life companies?", "fa99ad67-88b6-4910-8bbe-5deaa63dbb30": "How does the reinsurance process work for Ameriprise Financial's life and disability income products?", "5c0ce1c7-a208-4f6a-b097-b97540acd037": "What percentage of RiverSource individual life insurance sales in 2023 was attributed to variable universal life insurance?", "a967c774-c498-4bbd-9cbc-5dc406e03aed": "What are the key features of structured variable annuities offered by Ameriprise Financial?", "3a5fddf5-136e-47d0-a0d1-e7e4520efa95": "What types of long-term care insurance policies were underwritten by RiverSource Life companies before December 31, 2002?", "7d82b2ac-599e-4a26-aaa4-d0170e8e1ab4": "How does Ameriprise Financial manage exposure to losses from reinsurer insolvencies?", "6e1b855b-cd58-484f-9994-33ea0f345999": "What are the differences between nursing home indemnity LTC policies and comprehensive reimbursement LTC policies?", "ac7767af-bca9-4c95-ade9-f08023601b80": "What factors influence the premium rates for long-term care insurance policies at Ameriprise Financial?", "43ec2042-7380-43ab-b96d-0672499d7d51": "What is the primary liability of RiverSource Life companies in relation to reinsurance agreements?", "51a23c26-1282-4ea8-8aab-16490b5c5d21": "What segments are included in Ameriprise Financial's Corporate & Other segment?", "381e77ff-925a-4946-9b18-fa45ef763151": "What types of long-term care (LTC) expenses are covered by comprehensive reimbursement LTC policies mentioned in the document?", "7b9846ba-958c-4a50-8473-0e18b931cdcd": "During which years were the second-generation comprehensive reimbursement LTC policies written?", "cef9914b-aeba-4f6f-8950-5d2c3dd275e5": "How does the guaranteed renewable basis affect the pricing of closed block LTC policies?", "baf48ab1-66fd-4ce8-886b-8a48a887bd5b": "What factors influence the premium rates for LTC policies as described in the document?", "968d1f2e-ba64-40b5-91cb-67a50beb2601": "What is the primary strategy the company has historically followed regarding premium rate increases for LTC policies?", "a34f90a6-76fc-4afe-9e1e-ef0b03939ae3": "What assumptions are used to develop premium rates for LTC policies?", "e488c6ca-7352-49d2-9600-9659459bf438": "How does the company plan to approach premium rate increases in the coming years?", "d1c38a48-d090-4cff-a85e-17e708fa05ab": "What is the significance of the elimination period in determining LTC policy premium rates?", "f879cade-2762-40ae-8eaa-0917d58cfe12": "How does the company's claims and persistency experience impact their assumptions for LTC policies?", "b8d0cdc8-7dfa-4add-bf38-bbf879eb49fc": "What is the relationship between policyholder objectives and shareholder objectives in the context of LTC premium rate increases?", "b76f8fca-fb64-4c37-b4cb-05a98035269e": "What percentage of the risk associated with existing long-term care (LTC) policies is ceded to Genworth Financial, Inc. by RiverSource Life?", "f2af7519-2241-4bdc-a3bf-3e70767d479d": "In what year did Ameriprise Financial discontinue new sales of fixed annuities?", "0edc8085-02e9-444c-8a98-3b1ede6cd5cf": "How much account value is associated with RiverSource Life's closed block of fixed annuities as of December 31, 2023?", "3cf4238d-ee3d-4f07-bf23-30b453458ca1": "Which company is the subsidiary that RiverSource Life ceded 100% of the risk on fixed annuities to under customary reinsurance arrangements?", "e6c88714-d462-4675-80e1-86cdc11e6704": "What are some of the competitive factors influencing Ameriprise Financial's ability to attract and retain financial advisors?", "c0e00a0e-3f6a-43fc-b4c8-467df031f583": "Which segment of Ameriprise Financial competes with financial technology companies for clients?", "317c8857-2bfe-4b02-8181-54b80f964322": "What type of companies does Ameriprise Financial's Retirement & Protection Solutions segment compete against?", "ce6123ea-80a8-48ff-8367-535be8273618": "What is the significance of a comfort trust in the context of RiverSource Life's reinsurance arrangements?", "52663d3b-51ff-4683-b771-620d1730a168": "How does Ameriprise Financial's Asset Management segment compete on a global basis?", "7b907051-2a0a-4c5e-9584-1d51269482bf": "What foundational aspect of Ameriprise Financial is emphasized in their human capital management strategy?", "1df0b3f8-877a-4121-a6dd-8fdab917d03d": "What competitive factors influence the sale of variable annuity and insurance products in the Retirement & Protection Solutions segment?", "e6f4fa24-6792-4d6f-9153-2169dd0449fa": "How does Ameriprise Financial define its corporate culture and values?", "20262b03-c267-4f55-821e-6e226c60948b": "What are the key components of Ameriprise Financial's strategy for attracting and retaining a diverse workforce?", "fb138a26-aa2e-437c-a56a-ca1db0af1428": "In what ways might competitive advantages vary for Ameriprise Financial's competitors across different jurisdictions?", "fd9ae0d5-a990-4074-98bd-59ba9ce377bf": "What role does technology play in the competitive landscape of the Retirement & Protection Solutions segment?", "e2b10eaa-d6d9-477e-a8f8-fd7e6f82c06f": "How does Ameriprise Financial ensure a positive experience for its employees and advisors?", "0891911e-a3ef-4bdf-b388-083252789107": "What are the specific values that guide Ameriprise Financial's interactions with clients and employees?", "1f9651a3-de40-490d-a7c7-a38154efa8c1": "How does the perceived financial strength of a company impact the sale of insurance products?", "28eb143c-0a5a-4fcc-aff7-766837876c5e": "What is the significance of claims-paying ratings in the competitive factors affecting insurance sales?", "54ca8fd6-2449-43f7-8fb9-72bf60f24969": "How does Ameriprise Financial's commitment to community respect influence its business practices?", "f5c56f9a-f765-49f0-bf49-ea3bc2a694da": "What is the employee engagement rate at Ameriprise Financial, Inc. as reported in 2023?", "d04e6847-a3d6-4824-b758-4ed67d902b8e": "How does Ameriprise Financial, Inc. support the professional development of its employees?", "e7838e49-9e3f-4ba6-a874-9bee3c781065": "What percentage of Ameriprise's global workforce is comprised of women?", "a1933fc0-6ce3-4502-a857-f2d040838690": "What is the retention rate for high-performing employees at Ameriprise Financial, Inc.?", "21902e47-3d1a-4c8d-b272-8344c0e6a1a8": "How many experienced advisors moved their practices to Ameriprise in 2023?", "e56d5923-6291-4b00-a4b0-46c407b9e855": "What is the purpose of the Inclusion Index in Ameriprise's engagement survey?", "359a0684-5029-400e-a3f7-49f8cee773ef": "What initiatives does Ameriprise Financial, Inc. have in place to promote diversity, equity, and inclusion (DEI)?", "72253615-2427-4e57-a1ef-a3a3d9219691": "How does Ameriprise Financial, Inc. ensure that its corporate culture aligns with its business strategy?", "b1c45e42-f6ab-41fe-9922-5b4c6e1db665": "What resources are available to Ameriprise employees for career development and wellness?", "164f8895-5c65-4cc3-988a-9aa0859f7a35": "What role does the Board of Directors play in overseeing talent development and corporate culture at Ameriprise Financial, Inc.?", "2d36f3d2-d3fb-4ecf-aba8-cbadc7156d28": "What is the primary focus of the company's DEI strategy as mentioned in the document?", "af084723-6f08-4d7f-825e-284e7691be2c": "How many attendees participated in the Annual Global Inclusion Celebration in 2023?", "a0758c7c-8f9d-444e-9c28-ad0f12c72add": "What are the key components of the company's total rewards and benefits programs?", "8cc13057-47b6-42d7-9001-1b32656ae405": "How many business resource networks does the company have, and how many participants do they engage annually?", "ec1bd973-1b1d-4eea-9133-6a67eb0866bf": "Who approves the comprehensive DEI strategy and plan of the company?", "3241fb93-6d61-4929-8f2c-c8660548729b": "What aspects of employee performance are considered in the company's rewards approach?", "eef72c3e-81db-4030-ade4-84e9f10f6952": "What types of wellness resources are included in the company's benefits strategy?", "144e5d4d-dbd2-4e54-9f0d-78966f27867b": "How does the company aim to promote cultural awareness and community involvement among employees?", "a3211e1c-7d1d-4203-af29-85ae14b22db5": "What is the significance of leadership development in the company's strategy for diverse talent?", "cefd4214-bef0-40c8-b056-cd3ea7b5a494": "How does the company measure the effectiveness of its human capital strategy?", "786e4fcf-4bf3-40b2-b6aa-d85a973fb742": "What methods does Ameriprise Financial, Inc. use to protect its intellectual property?", "af861b73-e521-403a-b210-d2c9ee4d5e21": "What are the key components of Ameriprise's enterprise risk management policy?", "d49a392e-0579-43cc-8408-04df00009998": "How does Ameriprise Financial ensure compliance with various laws and regulations?", "34498454-a7da-462a-8f94-51a8956c617d": "What types of risks does the enterprise risk management policy at Ameriprise aim to manage?", "cfc23a02-df11-4c27-9507-f75be5a306ce": "What are some of the regulatory areas that Ameriprise is closely monitoring?", "eac3438d-80e3-47a9-bd02-4ef4e02edd31": "How does the regulatory environment impact Ameriprise Financial's operations?", "58e6ffd2-956c-4963-86de-5883635bcf9f": "What consequences might Ameriprise face for failing to comply with applicable laws and regulations?", "1542d8d6-c5c9-4c9e-bf76-d205bad3f629": "In what ways does Ameriprise Financial plan to invest in compliance and supervision processes?", "85b6485d-326a-4f07-9eee-e86c848e3e23": "How does the complexity of state and federal regulations affect Ameriprise's business governance?", "e16d3857-31cc-49b7-8a83-a8de77838a51": "What specific areas of legislative and regulatory interest are highlighted in the document regarding financial services?", "02447f78-e8f1-4869-b27e-f8702105d4fb": "What regulatory bodies oversee Ameriprise Financial, Inc.'s broker-dealer subsidiaries?", "f6474907-7cd6-484c-bb6f-e11a2ac45a67": "Under which act are certain subsidiaries of Ameriprise Financial registered as broker-dealers?", "c55a4f1c-32dd-49fd-8902-1420d3d18d0f": "What are the self-regulatory organizations that Ameriprise Financial's broker-dealer subsidiaries are members of?", "4ea9defe-6a10-4b87-8284-7f814553cd2f": "What are the key requirements imposed by the SEC and FINRA on broker-dealer subsidiaries regarding net capital?", "b19f0f49-89c4-429a-bfcb-8e2ad1a81cb0": "What must Ameriprise Financial's financial advisors and personnel obtain to engage in the securities business?", "99a06e84-8607-445f-b48c-f298183544db": "What types of licenses and registrations are required for Ameriprise Financial's broker-dealer subsidiaries?", "b2a4a951-9514-4727-b169-edd0f270953d": "What are the implications of SEC regulations on the marketing and trading activities of broker-dealers?", "d0df46bc-0086-4411-87b0-633d1c4ae648": "How do the regulations affect customer protection for Ameriprise Financial's broker-dealer subsidiaries?", "81746e4d-ea06-4f20-9704-e8dc542112ca": "What steps must Ameriprise Financial's broker-dealer subsidiaries take to maintain their registrations in good standing?", "9804b198-5170-4ff6-85bd-a60d6f086e53": "What notice requirements are imposed by SEC regulations on broker-dealer subsidiaries?", "794ff61a-445b-493b-847d-4b3953d3717b": "What regulatory framework governs the operations of Ameriprise Financial, Inc. as a dual registrant?", "a2003aa5-041a-4913-8061-7d8b623294d7": "How does the SEC's Regulation Best Interest standard impact financial advisors at Ameriprise Financial?", "bddb090b-293e-4fd8-b61e-9aa023fdd70c": "What obligations do registered investment advisers under the Advisers Act have regarding fiduciary duties?", "956fe9db-7cf5-44e6-8175-f4b53a36fd49": "Which federal agency finalized a voluntary exemption for providing investment advice to retirement account clients?", "44d29bd5-5e88-4cd3-8379-644cad332259": "What are the implications of the Employee Retirement Income Security Act of 1974 (ERISA) for Ameriprise Financial's asset management business?", "3f83c838-5228-4891-b7e0-413f0a42616b": "How does the structure of Ameriprise Financial's independent contractor advisor platform affect its regulatory compliance?", "c7345320-ec2c-48c6-9997-c7466dcd5bba": "What additional registration and reporting requirements do Ameriprise Financial's asset management subsidiaries face as members of the National Futures Association (NFA)?", "edcabee4-8a53-4bf2-925d-ff1cb8853718": "In what ways are U.S. and U.K. regulations similar or different for Columbia Threadneedle's financial services operations?", "798093d5-728b-4539-ba07-29af34554c40": "What potential impacts could future regulations have on Ameriprise Financial's business lines?", "cb99023e-a4a8-41d6-a1f7-4552b2ce8c45": "How does the Certified Financial Planner Board's professional standards of conduct relate to fiduciary responsibilities for financial advisors?", "aa510573-b37a-47a5-91e1-a8ab1afdf256": "What regulatory body oversees the asset management subsidiaries of Columbia Threadneedle in the U.S.?", "fe19e761-7c4c-4a43-9615-fbebe2d6d30e": "What are the additional registration and reporting requirements for certain registered investment companies under CFTC regulation?", "7928c92a-d9d5-45a0-b329-0e0099360f40": "Which act authorizes Columbia Threadneedle to conduct its financial services business in the U.K.?", "dcd47597-ab67-4cbb-b612-bef3a39ac4c9": "What are the two regulatory authorities mentioned that oversee different entities within Columbia Threadneedle in the U.K.?", "b2699665-b294-4c32-b535-c230b9a4bb4e": "What new regulatory requirement in the U.K. focuses on operational resilience for firms?", "db24d43b-6e7c-43df-8bf3-aca562d293ed": "What is the concept of \"impact tolerance\" introduced by the new U.K. regulatory requirement?", "224d59dc-2d73-401e-8f3a-20868d3a5e76": "What actions are firms required to take regarding their important business services under the U.K. operational resilience regulations?", "06800e57-3a93-4dd8-9b8f-2a90bea1a1e7": "How does the regulatory environment in the U.K. compare to that in the U.S. according to the document?", "8f377af0-ec6d-4819-9bf1-042f4bfc27fa": "What potential consequences do firms face for noncompliance with FCA and PRA rules?", "79af37bf-5d18-45cd-9ba0-d01a9223b462": "What is the significance of appointing a senior manager accountable for the operational resilience regime in U.K. firms?", "d35d2fad-4fa0-470b-a4be-be0d5b129642": "What new capital requirements are being introduced for asset managers and investment firms in the EU and U.K. as part of the revised prudential regime?", "6876e6fd-737a-4e8f-8507-e1c4867bf7ce": "What is the purpose of the FCA's new Consumer Duty, and how does it affect the standard of care for retail consumers?", "11e4bdc4-12dd-461b-b4db-93a96e3b438b": "What are the key components of the Sustainability Disclosure Requirements finalized by the FCA, and when will they take effect?", "2d116d61-4821-4c32-b733-9b30d21749a6": "How is Ameriprise Financial, Inc. addressing diversity and inclusion in the financial sector according to the FCA's recent consultation?", "2d4ac33c-1939-4921-9cd8-bb779540e212": "What impact do pan-European directives like MiFID II and AIFMD have on Ameriprise's global asset management business?", "8939fadb-53f9-4849-983d-cd11ac64bd2c": "How does Brexit influence Ameriprise's ability to provide asset management services to EU clients?", "fd721aa6-4012-46d5-9bc7-657283b8b378": "What are the implications of the Digital Operational Resilience Act (DORA) for Ameriprise's operations in the U.K. and EU?", "d61b010a-158f-4b54-aebc-23bce5f8b8d2": "In what ways must Ameriprise Certificate Company comply with the Investment Company Act as a registered investment company?", "ec92dab8-abaf-4383-93b8-096c71ff3509": "How does Ameriprise plan to navigate the potential divergence of regulatory requirements between the U.K. and EU post-Brexit?", "70ea39b3-a615-427f-b58b-9a30d92d2773": "What role do Luxembourg, Ireland, and the Netherlands play in Ameriprise's asset management strategy for serving EU investors?", "c9f11d6e-c4df-4f15-828b-f7b81e6f91a9": "What potential impact does the U.K.'s departure from the EU have on regulatory compliance for Columbia Threadneedle companies?", "103fe1dd-6e12-4622-8315-9d3c90ce70a4": "Which regulators are Columbia Threadneedle companies likely to engage with due to their growth in the EU?", "f1485d65-5052-44c3-ab88-36ffd62d7fe3": "What are the primary regulatory requirements that Ameriprise Certificate Company must adhere to as a registered investment company?", "4c073d92-47a0-4d6c-97d9-fbfdb348e9c2": "Under which regulatory body is Ameriprise Trust Company primarily governed, and what restrictions does it face regarding deposits and loans?", "9aad1689-96a6-493f-97f8-272a24ba6b94": "How does the Department of Labor (DOL) influence the compliance oversight of Ameriprise Trust Company?", "4849f06d-2090-4678-b0aa-71ee896da9b0": "What specific regulations apply to Ameriprise Certificate Company concerning its capital requirements?", "bae76e98-e93a-4f5e-b297-445d7657b2f9": "In which regions are Columbia Threadneedle companies subject to local country regulations and corresponding regulators?", "8a8d40d9-3209-4ca1-bd32-ac4fcfd6de3f": "What are the implications of the U.K. potentially implementing future EU regulations on compliance costs?", "c3021e1a-cb5e-4cf2-bb31-e1f4597353c4": "What role does the Minnesota Department of Commerce (Banking Division) play in regulating Ameriprise Trust Company?", "f8b76f0e-8a47-40ed-97c6-7a428ee521b3": "How do insurance regulations affect the Retirement & Protection Solutions segment of the company?", "5a09e3fe-140d-4882-8784-e847ed944c4b": "What is the primary purpose of the regulation and supervision of Ameriprise Financial, Inc. as mentioned in the document?", "f6179242-60a7-4a29-9e2b-a9eb9e113799": "Which regulatory bodies oversee RiverSource Life Insurance Company and RiverSource Life Insurance Co. of New York?", "2b37d598-3cf7-4986-afc8-2fd53e086156": "What are some of the financial transactions that may require pre-approval from the Domiciliary Regulators for RiverSource Life companies?", "91d5b8f3-107a-48f5-9864-f06c16ae028d": "How does the regulation applicable to the Advice & Wealth Management segment relate to the Retirement & Protection Solutions segment?", "970986d5-c63d-4bbd-a7c5-918e475bd871": "What role do insurance guaranty associations play in the context of Ameriprise Financial, Inc.?", "ebd9f5a8-fed5-4e14-be17-c901f6db21ee": "Which acts govern the variable annuity and variable life insurance contracts offered by the RiverSource Life companies?", "be0f6948-0c4a-4ec3-88d8-876a3ef23271": "What is the function of the Federal Insurance Office (FIO) within the U.S. Department of Treasury as described in the document?", "669a0b1b-66c8-467b-940b-a2cc7b062e63": "What are risk-based capital (RBC) requirements, and why are they important for insurance subsidiaries?", "88c7d77f-cd6d-49a6-984a-c4e896452c4e": "How does the National Association of Insurance Commissioners (NAIC) utilize RBC requirements in relation to insurance companies?", "17404473-2728-45ac-99ae-ae23bbad38fd": "What actions must an insurer take if its total adjusted capital falls below the defined RBC action levels?", "200a7617-4d9b-4977-8668-99b2e0eba3e3": "What is the purpose of the RBC standards established by the National Association of Insurance Commissioners (NAIC)?", "019518ea-75ee-454f-83b6-be3b6cdff849": "What actions must an insurer take when its total adjusted capital falls below the company action level?", "e54a8f03-3bdd-4bb3-874e-fb985f98c3d3": "As of December 31, 2023, what is the total adjusted capital for RiverSource Life?", "fc6968b9-2492-42e4-8df1-93e931b81f8c": "How does the regulatory intervention level change as total adjusted capital decreases relative to the RBC requirement?", "a964b87a-6d88-417d-ae50-1d82476d6225": "What are the capital levels of RiverSource Life and RiverSource Life of NY in relation to the company action level RBC?", "5e26daf3-5730-4431-bf6b-2a1c52c16834": "Which states' insurance holding company laws does Ameriprise Financial need to comply with?", "669aa4f6-68b6-4db7-9cdd-31bdf2fc7fbe": "What significant revisions did the NAIC adopt in 2010 as part of its Solvency Modernization Initiative?", "5bbc9d12-221e-4ba1-ad77-892c414fed94": "What is the significance of the Risk Management and Own Risk and Solvency Assessment (ORSA) Model Act in the context of insurance holding companies?", "1b8b98af-bb14-4749-b427-b102b6f0be12": "What information is generally required from insurance holding companies by the insurance departments of the states where their subsidiaries are domiciled?", "fe9a878a-3226-4c7b-8955-e594006a3234": "How does the RBC report relate to the protection of policyholders according to the NAIC?", "cb38a4a8-8333-4639-b7ab-d15ce96139cb": "What is the purpose of the ORSA Model Act as described in the document?", "49286001-98c4-4359-b0ed-8eea36a0e856": "Which regulatory bodies oversee Ameriprise Bank and its operations?", "2ef51477-ea3e-467b-b358-b866f1aa49c3": "What are the consequences if Ameriprise Bank's capital falls below certain levels?", "5430ec29-2d4a-4b58-ad28-91ff46e2faa5": "How does Ameriprise Financial maintain its status as a financial holding company?", "be84463d-d9a0-4fd5-a797-4de9cedcb437": "What activities are prohibited under the Volcker Rule for Ameriprise and its affiliates?", "3d3fbd15-c8bc-449a-b6fc-e9df041b08ab": "What is required from Ameriprise Financial in terms of annual reporting related to risk management?", "a0d9ada6-c391-4ce0-9090-baea40739bcf": "How does the NAIC\u2019s Liquidity Stress Testing Framework impact Ameriprise Financial's reporting obligations?", "24e5f566-d372-4a7f-8f86-d75d124e7163": "What are the implications of Ameriprise Bank being classified as a federally chartered savings bank?", "1361ec57-955f-4e57-8206-d8a463700431": "What factors determine whether Ameriprise Bank is considered \u201cwell-capitalized\u201d and \u201cwell-managed\u201d?", "8ae64eac-0cb7-44b3-b2a6-12c3fd79a8e6": "What limitations are placed on bank holding companies regarding the acquisition of voting shares or assets of other companies?", "28c4f123-d7c1-43df-99c0-c08d8f21279c": "What are the requirements that Ameriprise Financial must meet to maintain its status as a financial holding company?", "c4a6da47-aa97-4f3b-b56b-92bf3c840f9a": "What does the Volcker Rule prohibit banking entities, including Ameriprise, from engaging in?", "9500fa8c-ac0c-453f-ab2d-46d8ba8447ce": "What are the exemptions allowed under the Volcker Rule for banking entities?", "bdc8cf1c-da57-4d22-a93b-c4c8317cbc81": "What is the \u201cBuilding Block Approach\u201d established by the FRB for insurance savings and loan holding companies like Ameriprise Financial?", "5f93d20e-d2c2-49be-9f40-8bc3cd83c2a0": "When does the final rule regarding the consolidated capital framework become effective for Ameriprise Financial?", "33687a91-97f7-4c4f-842c-9b1e3c1008fa": "What additional requirements must insurance savings and loan holding companies meet under the new capital framework?", "1cea73f1-766d-4057-84d9-b08824463234": "How does the Sarbanes-Oxley Act of 2002 impact the regulations that Ameriprise Financial is subject to?", "5c72d37d-d52e-4014-aaf9-4c44f851374d": "What types of regulations does Ameriprise Financial need to comply with as a publicly traded company?", "9ca36646-06f5-4a76-9fdd-ccb11f782a52": "How does Ameriprise Financial evaluate state regulations that may affect its operations?", "72995fae-252f-427e-adf7-f96fd365e88c": "What is the significance of the capital conservation buffer required under the new FRB rule for Ameriprise Financial?", "9c793c60-ea73-4931-a9ea-0b1e73ef1d4b": "What legal requirements does Ameriprise Financial, Inc. monitor to ensure compliance in the markets where it operates?", "8e5c92b4-2dae-4885-b48d-7d65826b07ca": "How does Ameriprise Financial, Inc. address the protection of personal information under various privacy laws?", "db84523a-e624-40f2-a576-386b7bb3b376": "What cybersecurity measures has Ameriprise Financial, Inc. implemented in response to potential data breaches?", "2136b06f-eafc-4095-80fc-0550c1a60225": "Which specific acts and regulations are mentioned in relation to anti-money laundering efforts at Ameriprise Financial, Inc.?", "877ffe0c-3f60-4e92-8495-75a9865015bd": "How does Ameriprise Financial, Inc. assess its compliance with environmental laws and regulations?", "d030f5ca-d4a3-4537-8209-28f6fb7e75d9": "What is the purpose of the Investor Relations website maintained by Ameriprise Financial, Inc.?", "fbd44a92-b33b-429b-b047-e4c98f43aa65": "What are some of the risks and uncertainties that could adversely affect Ameriprise Financial, Inc.'s business and financial condition?", "5a05bf17-d248-478f-a0fc-d3524fb86c2d": "How does Ameriprise Financial, Inc. ensure compliance with the Global Data Protection Regulation (GDPR)?", "359182c3-8845-4367-afe3-2d9b1fa5d7c6": "What steps does Ameriprise Financial, Inc. take to reduce the potential for identity theft?", "95c20f6f-32e3-41ef-a1e7-2d4a7a5a0ef5": "In what ways does Ameriprise Financial, Inc. enhance its \"know your customer\" and \"due diligence\" programs in response to anti-money laundering legislation?", "0aade93b-9cc5-4a2e-b201-9e95cb7ebd8f": "What are the potential risks and uncertainties that could adversely affect the company's financial condition according to the document?", "650ef967-f91d-48f0-9ecc-ea9212f0410b": "How might market fluctuations impact the company's results of operations?", "9f3d3c2c-16bf-4e5f-a4d7-184bc6974c4c": "What specific global factors are mentioned that could influence the company's financial performance?", "e68576cc-96b9-4281-a15e-3aa363244634": "What role do geopolitical strains and armed conflicts play in the company's risk assessment?", "1d706e22-25e9-44b5-805b-3d2daadb3d75": "How does the document describe the impact of global health emergencies, such as the COVID-19 pandemic, on the company's operations?", "9bb038bb-feb1-4676-9446-30e1acd540e9": "What are some examples of market indices and drivers that could affect the company's financial results?", "635b1d18-e474-4d38-9e75-1b9c90720f71": "According to the document, what is the significance of the availability and cost of capital for the company's operations?", "37c71a36-7560-4dad-a587-ac6d94ec7048": "What types of political dynamics or events are identified as potential risks to the company's business?", "8248faed-60c6-47fc-965c-5c638766bc95": "How does the document suggest that technological changes could affect the company's financial condition?", "e9113371-3269-4b70-8f28-1c1a753d0a8c": "Are there any risks mentioned that the company currently believes to be immaterial, and how might these change in the future?", "f689fcfe-e5b3-4224-b406-e93058a54cd9": "What factors may adversely affect Ameriprise Financial's financial condition and results of operations according to the document?", "f472fbd9-abf0-4122-a510-8578e1da5efb": "How do changes in consumer economic variables impact Ameriprise Financial's client activity?", "afc12db6-8930-4318-bf01-4f3360a90cbc": "What recent events have been mentioned as having an impact on Ameriprise Financial's businesses?", "88751831-08a4-4381-856f-ee3e8f664574": "In what ways can market downturns and volatility affect Ameriprise Financial's retail business and product sales?", "821e7b6e-c925-438f-b98c-0564b50409fe": "What is the significance of the investment management agreements with the Columbia Management family of mutual funds for Ameriprise Financial?", "f6074b07-4c24-430f-93b2-99ad913c3720": "How might client behavior change in response to market conditions, as described in the document?", "63b93826-4ffe-4ec1-afec-9d90b6cfbabf": "What types of products and services does Ameriprise Financial offer that could be affected by negative perceptions of the financial industry?", "0a302e30-9e53-47c7-86f0-432929a798dd": "What are the potential consequences of clients terminating their relationships with Ameriprise Financial or its financial advisors?", "023fb9e8-17cd-456a-b262-24860c86a4d7": "How does the profitability of Ameriprise Financial's products and services relate to the value of assets under management?", "b135dcd2-9399-43f6-9de1-78d8214d93e1": "What role do regulatory actions and tax laws play in influencing shareholder behavior in Ameriprise Financial's mutual funds and investment products?", "0db4a253-484f-4135-a3b1-5a3ea87688c4": "How do declines in market values affect the revenue of the investment management firm described in the document?", "16e67aeb-5e29-4fce-87f4-2278fa238364": "What are the potential consequences of clients terminating their investment management agreements on the firm's assets under management?", "73bed76c-0e1a-40da-99d0-3d276de37a5e": "What factors can lead clients to reduce the amount of managed assets or shift their funds to different accounts?", "94503045-54e8-4f98-8726-e8cc85f2679d": "How do guaranteed minimum benefits in variable annuity products impact the financial condition of the firm during market volatility?", "6a84ae6b-8287-441b-b097-3e3a2823c510": "What strategies has the firm implemented to mitigate financial losses associated with guaranteed minimum benefits in variable annuities?", "c76fe14c-f081-4e9e-9da1-6ebd569ff50b": "How might changes in interest rates influence the firm's results of operations and financial condition?", "15c0fede-1be7-4e9e-8ad8-f561b4a7c850": "What role do third-party financial products play in the firm's revenue generation and client retention?", "fbe486ed-c36f-4bea-b79e-d6a9a97ea5c5": "What are the implications of negative perceptions of financial products on client behavior and the firm's assets under management?", "de729bb0-1e50-4a87-9c40-4e2a40903d9f": "How does the termination of investment management agreements on short notice affect the firm's business stability?", "caece0e2-aa2f-4629-9c15-76f95cb9bb88": "In what ways can the reputation of the firm or its advisors impact client investment preferences and decisions?", "569f9b97-d911-465b-ad30-fdf0ad4da866": "How do interest rate fluctuations impact the profitability of Ameriprise Financial's variable annuity products?", "6a2520d2-fda1-4a0b-bd1f-81ffdbb291b5": "What measures does Ameriprise Financial typically take to mitigate the effects of interest rate fluctuations?", "6eab6e57-53c9-474c-aea3-a419610795ca": "In what ways could prolonged periods of low interest rates affect Ameriprise Financial's financial condition?", "27374892-fa6f-4813-bd0e-0f8a85f9caf5": "How might an increase in market interest rates influence client behavior regarding policy surrenders and withdrawals?", "de6718d0-c3bd-4b64-8699-3fe4f7b4c9cf": "What are the potential consequences of increased policy surrenders on Ameriprise Financial's deferred acquisition costs (DAC)?", "99bc29b7-8993-4354-ad36-718bc78e4edf": "How does the volatility in capital and credit markets affect Ameriprise Financial's liquidity needs?", "9978f5bd-c628-4aad-922f-a469edb79c45": "What types of products might Ameriprise Financial need to credit clients with higher rates during periods of increasing market interest rates?", "6ab15f51-bc8d-4680-a236-d09861183f2f": "How could a downgrade in Ameriprise Financial's credit ratings impact its access to capital?", "c5293e95-38a9-42d1-8c2a-91bd2fd2c107": "What risks are associated with reinvesting cash proceeds from callable fixed income securities during periods of declining interest rates?", "39ac392d-7172-48a2-94d9-f86b414c0162": "How does Ameriprise Financial assess its liquidity needs in relation to its reserves and cash generated from operations?", "3e2d1710-b2b5-4596-a8db-776ff5e68405": "How might higher market interest rates impact the capital requirements of the company mentioned in the document?", "bda2c76b-f3d9-4e06-a9f8-5fcfb955268c": "What are the primary sources of liquidity for the company as described in the document?", "964305df-9771-42ae-ac30-06efc9aa5646": "What potential consequences could arise from a downgrade in the company's credit ratings?", "a1aa88b8-8a78-43bc-bba1-22d40ea4caa3": "How do adverse capital and credit market conditions affect the company's ability to meet its liquidity needs?", "d0dabae2-10b0-4811-9556-9133f9664ff9": "What actions might the company take if its current resources are insufficient to satisfy its liquidity needs?", "93d097a1-7f13-4829-9a68-fc28b56d1c8e": "In what ways could a downgrade in financial strength ratings impact the company's sales of insurance and annuity products?", "0cd7b1a2-1644-4a39-aed8-37cd0107eab1": "What factors influence the availability of additional financing for the company?", "59da3179-9e7d-451d-8c2f-3c227e012d3b": "How do financial strength ratings affect public confidence in the company's products?", "2cac327e-8f91-45f2-8dbf-c8e36741f402": "What are the implications of increased policy surrenders and withdrawals by contractholders in the event of a ratings downgrade?", "4058e23d-c684-4673-9581-a02319d18c01": "How might the company's relationships with advisors and third-party distributors be affected by changes in its financial strength ratings?", "45b2f416-2417-4dd5-b0c5-bdeec8d450a5": "What factors could negatively impact Ameriprise Financial's ability to maintain or increase its market share and profitability?", "d51e73af-2a04-424b-a7d0-86f3b6c9fc9c": "How do changes in ratings by agencies affect Ameriprise Financial's liquidity and capital?", "1db5b8f6-aeef-4e29-b748-939ea4a4cdf4": "What are the potential consequences of a drop in investment performance for Ameriprise Financial?", "6847d168-66c4-4f8f-8de8-1c8cc83c0a15": "In what ways does intense competition in the financial services industry affect Ameriprise Financial's recruitment and retention of key talent?", "9a013ea9-4e37-4e99-bc89-31881d469c1b": "What role does investment performance play in the retention of clients for Ameriprise Financial's asset management products?", "b94f099c-9e99-4a53-9ec4-651fe9762b42": "How might market conditions limit Ameriprise Financial's access to capital?", "77858aad-bf3e-43d8-be66-d918b50dd3b2": "What challenges does Ameriprise Financial face in attracting and retaining financial advisors?", "7485655a-96f9-45e8-95c2-a1028834bced": "How can regulatory changes impact the competitive dynamics for Ameriprise Financial?", "a8dc4113-e49f-4c72-8b85-3467d237e475": "What are the implications of a decline in sales of Ameriprise Financial's mutual funds on its overall profitability?", "ea865c20-baaf-4ac1-b4e2-be8fff0e455a": "How does the competitive landscape of larger financial institutions affect Ameriprise Financial's operational strategies?", "250283b8-aab5-4f31-b9b5-b9512a728a9e": "How do the strategies and decisions of portfolio managers and analysts impact the investment performance of asset management products and services?", "2ac06f26-5f4a-4318-bac7-ecc9881b5a2b": "What regulatory trends are mentioned that could affect the dynamics between the company and its competitors?", "84581393-02c4-4035-afc5-35e46ed4ae7a": "How might changes to non-competition or non-solicitation agreements influence client retention?", "95e5e2dd-df92-4fcf-95cc-be3610f74fbf": "What potential consequences could arise if employees or advisors with client relationships leave the company?", "6ca7fe2a-9dcb-43b7-a6ed-d1cc031dbea8": "In what ways could the inability to attract and retain qualified individuals affect the company's financial condition?", "fc3415d4-882d-4cb1-acbb-19ccc2aba8ad": "How does the interconnectedness of financial services institutions pose risks to the company?", "5187016e-fc13-4714-a50b-3aa4f201a753": "What types of counterparties does the company routinely execute transactions with?", "c7b9d70d-c1b5-4c0a-a723-706481f19ddf": "What are the potential impacts of negative performance or default by other financial institutions on the company?", "603657d8-72dd-4153-a03c-99ca40ffaa18": "How might credit losses or defaults from counterparties disrupt the operations of the company's business?", "d5c657be-5bca-426b-a6dd-f493741f87b9": "What measures does the company take to assess its exposure to different industries?", "29621bc1-a282-4708-b614-573dc3503b6c": "What types of financial risks does Ameriprise Financial, Inc. face in relation to its counterparties?", "7074e671-bb6f-4bcb-96bb-3fd18dcbb4c1": "How can the performance and financial strength of financial institutions impact Ameriprise Financial's operations?", "34b46e6d-87bd-4428-b3eb-68303256a732": "What are the potential consequences of default on fixed maturity securities owned by Ameriprise Financial?", "6b3017c3-9170-4c5f-8a47-78dc948e79fe": "How might capital and credit market volatility affect Ameriprise Financial's access to cash and investments?", "472209a3-1c63-48d5-b9ac-450187cc5a42": "What strategies does Ameriprise Financial employ to maintain relationships with unaffiliated third-party distributors?", "1cad456b-657c-46c6-abe4-06ed7b505a5e": "In what ways could the sale of third-party products impact Ameriprise Financial's own product sales?", "0e84729d-f84a-47a5-aff1-55789dbb968b": "What factors contribute to the valuation of fixed maturity and equity securities at Ameriprise Financial?", "0fdd9b9e-46d7-4463-9f99-27d0cdd7ec6d": "How does Ameriprise Financial's exposure to unsecured debt instruments and derivatives pose a risk to its business?", "6dbe5c06-61bd-40ba-af61-38475cbcca71": "What actions might Ameriprise Financial take in response to client losses due to third-party defaults?", "dade6099-d753-4aaf-9900-c26b5c33b915": "How could changes in distribution costs or access to third-party distributors affect Ameriprise Financial's revenue and profitability?", "57a916c5-7e36-488f-939d-d38400cec916": "What potential impact does the sale of third-party products have on the sales of the company's own products?", "1a1ad38b-c534-481b-83df-77217756f7c6": "How might the expansion of the advisor network's product suite affect the company's financial results?", "363d748b-070f-4b8e-bedf-2d75b2dd8ec8": "What factors are considered in the valuation of fixed maturity and equity securities according to the document?", "a342686a-0cd9-4509-9812-728669ea5927": "How does management determine the fair value of securities in the absence of quoted market prices?", "56c10f1d-d7fd-40c6-b653-e51666f8eceb": "What challenges might arise in valuing securities during periods of market disruption?", "eb78b32a-80bb-471b-8ea2-70b5adb20ccd": "What methodologies and assumptions can lead to differing interpretations in the valuation of investments?", "fadbe3f4-82fd-46ff-8b66-3d9c8aeecc54": "What specific elements are taken into account when estimating the fair value of financial instruments?", "46fd6a7c-25a3-42aa-a4b8-63219841caeb": "How can changes in interest rates and credit spreads affect the valuation of the company's securities?", "6f6224e0-65e4-4a91-beaa-bfd0ab46eb85": "What is the significance of the timing and amounts of expected future cash flows in determining fair value?", "7aff677a-5621-4e82-8d7b-a65e5c57e74b": "In what scenarios might certain asset classes become illiquid, impacting their valuation?", "443c6592-dadb-4ebc-94e2-437a3166fbf9": "What factors contribute to the subjectivity and management judgment required in the valuation of investments at Ameriprise Financial, Inc.?", "dfb1a572-e2fd-4449-91c6-7baadfe203b3": "How do rapidly changing credit and equity market conditions impact the valuation of securities in Ameriprise Financial's financial statements?", "c3bb22fa-fdfb-4f21-8442-18193e2f02b9": "What is the significance of management's evaluation and judgment in determining the amount of allowances on loans and investments?", "96160e17-c186-4dc1-b4d1-06946a58e4d0": "What challenges does Ameriprise Financial face regarding the liquidity of certain investments in its portfolio?", "5134a431-2b12-4db4-b4b3-ee994f5860b9": "How might the insolvency of unaffiliated insurance companies affect Ameriprise Financial's insurance companies in terms of assessments to guaranty funds?", "426d5762-6212-4b8a-984c-f94e52b83f9f": "What risks does Ameriprise Financial encounter when relying on reinsurance to mitigate certain risks?", "325a1c8e-c1d9-4e00-9778-70f581703d3f": "How does the potential inadequacy of reserves for future policy benefits and claims impact Ameriprise Financial's financial condition?", "3fc296be-5e86-40ec-998b-629c2e2e29a4": "What types of investments are considered relatively illiquid in Ameriprise Financial's portfolio, and what percentage do they represent?", "b6081544-a9ef-4e1a-9e79-3dd03dd2396a": "In what ways can historical trends influence the evaluation of future impairments or allowances for Ameriprise Financial?", "06b297be-72ca-4601-bb2d-8b8e56b9fc76": "What role do assumptions and estimates play in the establishment of reserves for future obligations under insurance policies at Ameriprise Financial?", "2c9fdca2-22c0-4b7b-a5b1-da3ce1ee3e49": "What factors contribute to the establishment of reserves for future policy benefits and claims in the insurance industry?", "a402222b-20a4-4ffb-b157-73de9010b93c": "How do assumptions regarding morbidity and mortality rates impact the pricing of insurance products?", "5ff812c1-2b4d-48e0-9327-6015dffab872": "What are the potential consequences if the reserves for future certificate redemptions and maturities are found to be inadequate?", "e349d097-a703-466c-a093-6f030109dd87": "In what ways do the estimates made in establishing reserves reflect uncertainty in future experience?", "0f0ca2d4-715b-4149-831c-725bb7084c1c": "How does the monitoring of reserve levels influence the financial condition of an insurance company?", "67d1505c-8bd4-4d1b-9e51-a06d32d7fcc0": "What role do investment returns play in the long-term profitability of insurance products?", "1c67753e-6d89-47a8-a64a-3e1e6c30886e": "How might actual experience differ from pricing assumptions in the context of insurance profitability?", "55b668f7-686f-42b1-933c-9822aca0756c": "What judgments are required when making assumptions about future policyholder behavior and contractholder experience?", "1ec3d80f-fdbc-46fa-9055-94c5b1e20d4f": "What are the implications of having to increase reserve liabilities on an insurance company's income statement?", "aa9d3f1a-879b-4191-9044-12805bd73928": "How do pricing assumptions affect the expected claims payment patterns for RiverSource insurance products?", "e6b3be96-87ca-4ecf-a5c5-24fce454d108": "What factors influence the pricing and profitability of Ameriprise Financial's life insurance and deferred annuity products?", "fc8af182-7c9a-4959-bcb5-269fca4775fa": "How does actual persistency that is lower than projected affect Ameriprise Financial's profitability in the early years of a policy?", "f4634816-8312-47cb-adf2-f8f09f98368d": "What are the potential consequences of higher-than-expected persistency for Ameriprise Financial's long-term care (LTC) insurance products?", "4c91efb5-ccf7-48a2-a77f-c3b4967e9b0b": "What measures has Ameriprise Financial taken to mitigate uncertainties related to claims experience for LTC insurance?", "3cdfeb25-85e7-4f5e-8775-41d7395de242": "Why is the ability to forecast future claim rates for LTC insurance considered more limited compared to life insurance?", "de2df2a2-938b-4dc5-b137-f1d171af9cce": "What are the implications of reputational damage for Ameriprise Financial's business operations?", "e7f3f539-68e6-46bc-bb09-4ef0e04bc659": "How can misconduct by employees and advisors impact Ameriprise Financial's reputation and financial standing?", "5005c6d9-28d2-4da7-99da-4cc7af498960": "What types of incidents could lead to reputational harm for Ameriprise Financial?", "495469b9-7efd-4862-ad2a-2be8018c0d9e": "What role does regulatory approval play in Ameriprise Financial's ability to increase premiums on certain insurance products?", "98dbc928-550d-4f96-8362-ca5f94051b8d": "How does Ameriprise Financial address operational risks associated with developing new products and services?", "64acb314-4142-449a-979d-5ba5d3181532": "What are the potential consequences of negative incidents on trust and confidence in a business context?", "5dc59b2d-927c-4a76-b897-c695b80946db": "How can misconduct by employees and advisors impact a company's reputation?", "a067bc0b-71aa-437f-bdfa-5cb4b8640215": "What challenges are presented by franchisee advisors in terms of preventing and detecting misconduct?", "f25c9ec0-074a-4342-be6a-e8ffa4d0133f": "What measures does the company have in place to identify and address conflicts of interest?", "978ae53c-5416-4e47-a399-5cc06d06cae7": "How might increased regulatory scrutiny affect client willingness to engage in transactions with the company?", "14e9ebf2-3016-4856-b76f-31ae24aa2304": "What types of regulatory bodies are mentioned as scrutinizing potential conflicts of interest?", "7def00f7-0393-4224-9769-1d054f98ac30": "In what ways can improper use of authorized access to sensitive information lead to reputational damage?", "699bf099-f1ab-4056-b7f9-23670eb45c7d": "What are the potential outcomes of failing to appropriately address perceived conflicts of interest?", "c477916b-abf6-43ba-a176-2d8bc1ca029d": "How can adverse developments in the industry influence a company's reputation?", "f053b9d9-0916-4541-b3b8-82f1c7c8a7cb": "What role does social media play in shaping public perception of a company's incidents or misconduct?", "61faddc9-1f05-475d-af9c-af1ccfa8f440": "How could climate change directly impact Ameriprise Financial, Inc.'s business operations?", "1b516585-46b2-4724-ada3-f20d89d5045a": "What are the potential effects of climate change regulation on the investment portfolio of Ameriprise Financial, Inc.?", "6cd9186d-d0e8-407a-8d4c-1b0f8aa1bc96": "What types of cybersecurity risks does Ameriprise Financial, Inc. face in relation to its operational systems and networks?", "6451860f-b214-4fed-bdff-10d7eb33fc5b": "How does Ameriprise Financial, Inc. address the threat of zero-day vulnerabilities in software used by the company and its vendors?", "71d58e86-7f89-47bd-b7ad-fa961e03bc92": "What measures has Ameriprise Financial, Inc. implemented to protect sensitive client and employee information?", "5f6e13a7-034c-4bd6-8fbb-f0fba39c79d8": "In what ways could societal adjustments to a lower-carbon economy create transition risks for Ameriprise Financial, Inc.?", "0881d798-8cee-4d04-900a-5b0bc7968366": "What types of cyber threats, such as phishing and social engineering, are mentioned as concerns for Ameriprise Financial, Inc.?", "f59a991b-9bbd-403c-afd3-b7896bfb5d1d": "How does the increase in hybrid working among employees complicate cybersecurity monitoring for Ameriprise Financial, Inc.?", "d700d879-4a47-4735-81de-8bfab97f6eb9": "What role do third-party vendors play in the cybersecurity strategy of Ameriprise Financial, Inc.?", "15b967ba-af98-40f0-b01c-5fe1a6c9b169": "What are the potential consequences of a successful cyber attack on Ameriprise Financial, Inc. regarding its reputation and financial condition?", "20399f1e-0263-4bef-8e52-e4273d7f4797": "What factors are contributing to the increase in cybersecurity threats and events mentioned in the document?", "aa32f20c-946a-4c01-bea7-cc7f84c27654": "How does the rise of hybrid working among employees complicate cybersecurity monitoring and processing?", "98e64f38-6e37-46bc-b609-0b058a68f5d3": "What are the potential consequences of successful cybersecurity breaches on the company's business and reputation?", "eeae88f1-f3e5-40db-b673-f03bb7bf2353": "What types of information are the corporate policies designed to protect according to the document?", "c3681ba3-e55e-416c-be8f-337545fd1199": "How does the document describe the role of service providers and franchisee advisors in maintaining cybersecurity measures?", "49296323-92d9-4a85-8a6e-f0f2b9136122": "What challenges might arise from the use of customer devices that are outside the company's security control environment?", "b4bfb8f3-058d-4675-8430-3f837171df80": "In what ways might government and regulatory scrutiny impact the company's cybersecurity measures?", "c87c7151-1f1b-4df8-9c9d-8e5c88ff246d": "What are the potential effects on client experience due to regulatory-driven changes in cybersecurity protocols?", "c58441fb-a92b-4ba2-9f84-081bac33e984": "What uncertainties does the document express regarding the effectiveness of current cybersecurity measures?", "c6a14605-ed04-415d-bfb3-a1d02cba66f9": "How might technological advancements necessitate changes in the company's systems and data security measures?", "24e22ca6-be4f-4277-be03-6b15ddc6de69": "What practices does Ameriprise Financial, Inc. engage in to ensure online security?", "c548e59d-eef5-449c-ae93-c0afef36e9e5": "How can human error impact the disclosure of sensitive information at Ameriprise Financial?", "ba1a002f-1139-4389-aeae-2e98c048794c": "What potential consequences might arise from unauthorized access to proprietary information at Ameriprise Financial?", "66d8a0b1-7d94-4c12-b2b5-7734a06e7b38": "How does Ameriprise Financial manage risks associated with third-party service providers?", "16a38471-b448-4ece-8072-349d1a6c5340": "What types of insurance does Ameriprise Financial maintain to protect against cybersecurity-related losses?", "826e7f5e-8ad6-4315-a19a-f0fd203c910d": "What factors could lead to operational disruptions at Ameriprise Financial?", "9a3f8eb6-737d-4b80-b73e-541cf636588a": "How does Ameriprise Financial plan for resiliency in its systems?", "7ab25144-4e68-4333-bead-7facc65b96c5": "What are the implications of vendor breaches on Ameriprise Financial's reputation and financial condition?", "ae7c8c10-237e-4467-bfbe-656f1c1d93a3": "In what ways could operational failures by service providers affect Ameriprise Financial's ability to serve clients?", "26fdc999-e0e9-4955-815c-a3016fbf111f": "What limitations exist in Ameriprise Financial's risk management policies and procedures?", "7e2297e0-e03f-40e4-888c-40986c3e24ac": "What factors contribute to the heightened risks mentioned in the document regarding financial market products and technological interactions?", "da6cea8f-8d20-44f4-b417-73590c0a9508": "How might a failure or flawed execution impact the ability to service clients and manage risk exposure?", "5eccd733-47c4-4220-8b09-172fbffc5d26": "What limitations are associated with the risk management policies and procedures described in the document?", "f243d712-e0a3-4bc0-b394-aedc95abcd66": "In what ways can historical experience and statistical models fail to predict future exposures accurately?", "4b7b9c79-4878-4aa1-9491-31735d041b59": "What are the potential consequences of manual controls in risk management as highlighted in the document?", "db5108a0-dd6a-49b7-872d-a0af579a2161": "How does the introduction of new products and services relate to the company's financial performance?", "ddf3978c-4239-4500-83bf-e566c6314775": "What challenges are associated with developing products focused on environmental, social, and governance matters?", "c15b0fca-69eb-4809-a6f7-32c7ca80adf3": "What risks might arise from avoiding the introduction of certain new products, such as cryptocurrency?", "2254140b-c627-4f7f-905b-647141cf728b": "How does market volatility affect the validity of historically-derived experience and correlations in risk management?", "eee7e0c1-dca4-46e8-800b-3d469c6b93cb": "What role does the evaluation of publicly available information play in the effectiveness of risk management methods?", "82bf7855-5e02-4865-a03d-af6c7e7ce6a1": "What are the primary risks associated with the use of artificial intelligence as mentioned in the document?", "cdba9ad4-8030-4672-b414-b18b887158bb": "How does Ameriprise Financial, Inc. manage operational, legal, and regulatory risks?", "773d149a-d543-4f23-9eac-1cf3aaa78244": "What are the potential consequences if Ameriprise Financial, Inc. does not receive sufficient cash from its subsidiaries?", "64e5a072-36a0-4d93-9d8f-f654118403c0": "What regulatory frameworks impact the ability of Ameriprise Financial's subsidiaries to pay dividends or return capital?", "df902978-476f-443c-b86d-0e343127fc9b": "How do capital requirements imposed by rating organizations affect Ameriprise Financial, Inc. and its subsidiaries?", "ff855ae0-00ba-4f9f-8b92-814fc8c2646f": "What types of support has Ameriprise Financial, Inc. previously provided to its subsidiaries to maintain adequate capital?", "d38bfa68-5cc6-4da9-8719-c4a4696897d0": "What foreign exchange risks does Ameriprise Financial, Inc. face due to its international operations?", "7b072b8d-0c68-46b2-98d7-2c92919f0aac": "How might changes in asset values impact the dividend-paying ability of Ameriprise Financial's subsidiaries?", "b3a13aba-dd23-4c79-a598-23c9f03e56f5": "What challenges arise from the patchwork of regulations and capital expectations faced by Ameriprise Financial, Inc.?", "03ff49fe-5dfa-4c1c-ac69-13f4ec9e50a2": "In what ways could the introduction of competing products or services affect Ameriprise Financial, Inc.'s operations?", "e042a9aa-6ecb-4d39-9eb7-d00156f3db70": "What types of support might the company provide to its subsidiaries to maintain adequate capital?", "4ab737fe-1c02-4095-bfd6-08f16a420313": "How could the provision of support to subsidiaries affect the company's capital and liquidity?", "67c626cd-e55e-499a-8cfa-24191867eee0": "What risks does the company face due to its operations in foreign markets?", "8b0cd768-5ccd-4377-97ac-0fc6ef559f76": "How does the appreciation of the U.S. dollar impact the company's net income from foreign operations?", "a149cb36-43ff-4c62-9f08-5048b34fcca2": "What are some potential adverse consequences of conducting international operations for the company?", "8d16b05c-5d69-468a-91fd-12963aef19bf": "What complexities are associated with foreign value-added tax systems that could affect the company's international business?", "01c30577-aec6-42ba-8124-e8c676c6873e": "How might the localization of solutions impact the company's costs in foreign markets?", "29b07663-dfd4-4477-8bb5-5e6ac0c82d8f": "What legal challenges does the company face when complying with foreign laws and regulations?", "455dd0bc-d463-4c4e-aa03-06c29b582e01": "In what ways could the depreciation of the U.S. dollar positively affect the company's financial performance?", "56acd79b-e5e9-406c-9bcd-4eb3da57f27b": "What resources are required for the company to manage its international operations effectively?", "f8f7eece-6c14-411f-80da-795e0acb3f55": "What risks does Ameriprise Financial face as a result of natural or man-made disasters and catastrophes?", "f70c27fa-9fb5-4dcd-ae04-79587b5b8a2f": "How might the occurrence of a pandemic disease, such as COVID-19, impact Ameriprise Financial's operations?", "4dcbe462-5528-425f-aaf3-c427a404f7ce": "What challenges does Ameriprise Financial encounter when integrating acquired businesses into its operations?", "391c2d01-eba1-46e8-97ee-3cc7e499c672": "What are the potential effects of a catastrophic loss of life on Ameriprise Financial's insurance policies?", "1286d3c1-a288-47c8-91a0-f0a5356d4106": "What difficulties might arise from divestiture transactions at Ameriprise Financial?", "329a20d7-964f-42d6-a9db-1a3a7203dec8": "How does the acquisition of the BMO Global Asset Management (EMEA) business affect Ameriprise Financial's risk profile?", "d0f86429-f81a-4dca-bdf3-b80244d02ae8": "What factors could lead to declines or volatility in financial markets that impact Ameriprise Financial?", "a1381740-f679-4649-bd2b-21982262ca7f": "What are some of the unforeseen liabilities that Ameriprise Financial may assume during acquisitions?", "c2ff2d9d-f7ef-469a-a835-1489d00b632c": "How do regulatory approvals influence Ameriprise Financial's business strategies and transactions?", "c38f22ba-a9d6-4a0b-917e-17b31723f1df": "What impact can widespread unavailability of staff have on Ameriprise Financial's financial condition?", "d75fb484-84b0-4c8c-ac32-ddcec8f863b3": "What are the potential risks associated with acquisitions and divestitures mentioned in the document?", "83d6a3a6-86ad-4da1-9f1e-ff364cecd81a": "Which regulatory authorities may need to approve the business strategies outlined in the document?", "23c7ca4f-95e8-401b-9d3c-0572e97766dc": "How might regulatory conditions impact the expected benefits of strategic transactions?", "1ff1510c-1c64-4179-a5d1-f110727adc86": "What types of legal and regulatory actions could the company face in the ordinary course of its operations?", "6ed01c3c-a4f3-429b-bf49-c9e42ed43fda": "What are the possible outcomes of legal actions brought against the company as described in the document?", "87614c90-81ac-48cb-8664-ecbc1a5088a4": "How can legal and regulatory actions affect the company's financial position and reputation?", "b3629301-3d98-4675-ab0b-7419f913b505": "What specific challenges might arise if the company completes multiple acquisitions in a short timeframe?", "798d2ab0-dd35-4f15-83dd-cc405ff7d5fd": "What types of expenses might the company incur while defending against legal and regulatory actions?", "0293fe89-aa3b-44c7-ba39-9da9dc6f266f": "What is the significance of goodwill and intangible assets in the context of acquisitions mentioned in the document?", "1797d9cb-b478-4bd7-9420-225192230fef": "How do domestic and international legal and regulatory environments differ in their impact on the company's operations?", "2b77964f-7976-43e8-ae2b-cbfef5fb109b": "What are the potential impacts of regulatory changes on Ameriprise Financial's operations and financial condition?", "8d40cd7f-f21a-4507-a418-212e4a81aa2a": "How does compliance with laws and regulations affect the costs and resources of Ameriprise Financial?", "3bc614cc-62e7-41d8-8a75-763cfbebc6c9": "What specific regulatory initiatives could lead to mandated reductions in fees for Ameriprise Financial's products and services?", "e04538a9-1805-4ca9-bbe6-c1f296130633": "How might changes in state regulatory requirements for insurance companies affect Ameriprise Financial's financial results?", "110b3eca-949a-4c84-ad23-fe655883598f": "What challenges does Ameriprise Financial face regarding international regulations and their potential effects on business operations?", "329e575c-b083-4f73-a863-4303209f4cf3": "In what ways could employment regulations impact Ameriprise Financial's workforce and advisor relationships?", "afe0b2d7-7684-4641-a93f-0d19c2c2af25": "What are the implications of the proposed fiduciary relationship requirement for advisors at Ameriprise Financial?", "8503dd62-afdf-49b9-99db-a40d1e742ed5": "How do changes in foreign laws and regulations, such as currency controls, affect Ameriprise Financial's ability to operate internationally?", "297e2465-1ade-46a8-957b-abbb19c46209": "What are the potential consequences of increased compliance costs due to evolving legislative and regulatory frameworks for Ameriprise Financial?", "1df900f6-2fc0-485a-81a4-7adbe3b973ee": "How does the complexity of differing regulatory requirements across jurisdictions affect Ameriprise Financial's employee experience?", "3eaa99f2-f432-45cb-840b-9a60a7317e11": "How do employment regulations impact the uniformity of employee experience in a global workforce?", "04ff46b2-61e6-4a78-9f2b-94ffb7d8c641": "What potential effects could legislative changes regarding independent contractors have on the business and its advisors?", "58b85f85-bd72-4ceb-9f60-116312dac9d8": "What are the key legal requirements concerning the protection of personal information in the context of privacy and cybersecurity?", "7fedda31-30f4-410c-ba9e-bb59baee5cee": "How might the California Consumer Privacy Act and GDPR influence the operations of a business dealing with personal information?", "87498488-78ae-483c-b0c0-afa228237a29": "What regulatory expectations are set forth for insurers using artificial intelligence according to state insurance laws?", "f25be9a6-d2e8-4ebf-8a1a-f09035d9317a": "What is the significance of the NAIC\u2019s Model Bulletin on the Use of Artificial Intelligence Systems by Insurers for the industry?", "3b512333-d00f-4294-80aa-d64d2eda3330": "How could the expansion of employment laws in various jurisdictions affect a company's compliance efforts?", "e9d5484f-c102-40d3-9a6e-837e7d23c7f5": "What challenges does a business face in maintaining compliance with rapidly changing privacy regulations?", "c7e4b38c-f419-4848-83db-a91453a1ad16": "In what ways could the evolving regulatory landscape around artificial intelligence impact business operations in 2024?", "ead8a84a-6c0d-4b0e-81c7-fdf70f114a4c": "How does the classification of workers as employees or independent contractors affect the relationships between a business and its advisors?", "2c3b9bea-5abb-4b25-b3f9-aaab0a188b2a": "What regulatory authorities supervise Ameriprise Financial, Inc. as a Savings and Loan Holding Company?", "a0bf6316-b9bc-4e3b-8de7-e1f7fb787a86": "How do compliance costs impact Ameriprise Financial's ability to provide products and services?", "7d4fee83-c80c-4c7d-9020-c0ca3c8013cb": "What are the potential consequences for Ameriprise Financial if it fails to meet regulatory requirements?", "a32d7435-19eb-4348-979f-0c77dca3ceab": "How might changes in corporate tax laws affect Ameriprise Financial's earnings and product attractiveness?", "b4ce72f2-a8eb-4d6e-8630-678ab1c0db29": "What types of products issued by Ameriprise Financial receive favorable treatment under current U.S. tax law?", "41f32a17-aed3-4a6c-882e-c7db94297e45": "What measures does Ameriprise Financial use to protect its intellectual property?", "eab886ab-fd0b-4f67-8f80-66b8c7721020": "What limitations do Ameriprise Financial's broker-dealers and bank subsidiaries face regarding transactions with affiliates?", "2945dc43-48e4-47d7-8a29-6cbffebcf948": "How can changes in the supervisory approach of federal banking regulators impact Ameriprise Financial's operations?", "977ff883-1bfa-4c05-822d-0485a55dbba8": "What role does the Volcker Rule play in the structure and availability of Ameriprise Financial's products and services?", "042b5d55-8ea5-4411-b4da-8fb2e2721921": "What challenges might Ameriprise Financial face regarding the interpretation of tax laws in the jurisdictions where it operates?", "a4a9b234-7312-415c-8e9e-55277026c8a8": "What potential impact could changes in U.S. federal income or estate tax law have on the attractiveness of certain products offered by the company?", "d1c2f57d-693b-44ba-8f53-008a7c91dcd1": "How does the company protect its intellectual property rights?", "87bec814-8c32-422e-b2f8-f3a6d8cd9d9d": "What are the possible consequences of unclear guidance regarding tax code interpretation mentioned in the document?", "cb68ed76-f5f8-4b23-97b0-13848e0dc93d": "What types of legal claims might the company face related to its intellectual property?", "29de2f8a-83b9-4a51-b6e6-66c867602492": "How could the loss of intellectual property protection affect the company's business operations?", "bbe0dddc-1420-4c75-894a-e9681ae05c3e": "What measures does the company take to prevent infringement or misappropriation of its intellectual property?", "5dd4d105-6ecf-491c-8147-e91b33f3799d": "What risks are associated with litigation stemming from claims of intellectual property infringement against the company?", "7240d9ec-4e61-4338-93f1-7d6a3b61e4bf": "How might third-party patents impact the company's ability to offer certain product features?", "3b7a5ceb-2e52-4fdd-b587-e21b3e21e525": "What resources might be diverted if the company has to litigate to protect its intellectual property?", "f0ccc701-56b0-48f1-a562-7c0bacbf096a": "What types of products are mentioned as receiving favorable treatment under current U.S. tax law?", "bf7c959f-2a1e-40f1-bf2d-1985645c38bc": "What potential consequences could Ameriprise Financial face if they are enjoined from providing certain products or services to customers?", "a3f85cde-9fe0-4899-864b-dc80af8e4342": "How might changes in accounting standards impact Ameriprise Financial's financial statements?", "fc402c6e-4101-4dd5-a77a-0be85eb9ffb8": "What specific updates did the FASB implement in August 2018 regarding long-duration insurance and annuity contracts?", "2dd545cf-054b-403d-9eec-6d3b14eb6a2a": "What role does cybersecurity play in Ameriprise Financial's enterprise risk management processes?", "1a0f7eef-7600-4de0-9e41-101d78e135c8": "Who leads the cybersecurity team at Ameriprise Financial, and what is their professional background?", "b6f2539d-ab63-40ff-b8e9-bc9889107067": "What measures does Ameriprise Financial take to protect client information from cybersecurity risks?", "de8a6c9e-1ec6-4cbe-b40d-4c20d4f7bf6b": "How does Ameriprise Financial ensure compliance with cybersecurity requirements in the jurisdictions they operate in?", "2824f4fb-3c08-452e-acae-c68d2998e2c8": "What types of training and exercises are provided to employees and advisors at Ameriprise Financial to enhance their cybersecurity skills?", "685775e0-ed90-4a07-b58c-91f27b04e96b": "What is the purpose of the global security operations center at Ameriprise Financial?", "a050aae4-b54c-4b86-aa25-643d95768b0b": "How does Ameriprise Financial approach vulnerability scanning and software patching within their systems?", "6c9b5f8c-f8c4-49e1-a4de-8575d59c8509": "What activities are conducted regularly to ensure the security of applications and systems according to the document?", "01a6230d-748a-40d3-84f7-8a928d906a17": "How does the organization ensure that third-party service providers maintain cybersecurity standards?", "afcb8e5d-62f1-45c1-bd50-75f530dba4ab": "What role does the global security operations center play in incident response?", "68102962-4af1-4a91-9db9-8961203d6558": "What measures are in place to mitigate the impact of a cybersecurity incident on operations?", "895bfe46-fc3a-4198-a134-4278d1b8a7a8": "How does the organization assess the cybersecurity risk of its third-party service providers?", "9923ccd9-371c-49f4-b4ea-998adf379d0c": "What is the purpose of the annual risk assessments conducted by the global privacy team?", "4041c702-9eb0-486e-9c1b-ecd433f03bee": "How are third-party service providers categorized in the vendor risk management process?", "9ebd9657-92f3-41f5-8d34-27f0a4a39c7e": "What criteria are used to assign tiers to third-party service providers during the vendor risk management assessment?", "0a20c454-59ce-45c8-99a4-5e88d9f17ae4": "How does the organization verify the effectiveness of its business continuity plans?", "c6b790a7-b7ce-4939-9b9f-02f54aac86b6": "What expectations are set for financial advisors regarding the patching and updating of their software environments?", "015150f1-81b4-42ab-8478-8699c1805cd6": "What is the role of the Vendor Risk Management Office at Ameriprise Financial, Inc. regarding third-party service providers?", "0397457d-d1f3-4271-ab0a-85019ed93459": "How does Ameriprise Financial ensure the return or destruction of information when a third-party service provider is off-boarded?", "5b356286-82ab-4f19-aedf-00038dacc24e": "What governance practices support the cybersecurity program at Ameriprise Financial, Inc.?", "d46b4037-f65c-48d6-8314-8a88966020fe": "Who are the key members involved in overseeing the cybersecurity risk management program at Ameriprise Financial?", "494d037d-0283-41d0-812a-0e31fd4cc8fb": "What topics are regularly reviewed by the Audit and Risk Committee in relation to cybersecurity at Ameriprise Financial?", "e66951b1-89f4-44b5-83f4-1d922bfcf3da": "What are the principal locations from which Ameriprise Financial operates its business?", "15a73206-af3e-4cd2-99c1-dab8a7f8e61b": "What plans does Ameriprise Financial have for consolidating its Minneapolis office footprint by 2025?", "f3804880-e9b5-465b-8e50-c9dfed91fbf8": "How does Ameriprise Financial manage the cybersecurity defenses of its third-party service providers?", "eb14a9ae-8640-4ee5-9458-dee83f2d1bdc": "What training topics are included in the semiannual trainings conducted by the Audit and Risk Committee?", "f09741a2-d005-49f6-aacb-f4d837d4c012": "What types of properties does Ameriprise Financial lease or own in relation to its operations?", "cb2226e1-76c3-4277-9821-68eb3908a2b0": "What is the primary reason for the consolidation of the Minneapolis office footprint mentioned in the document?", "9a2111a0-e09c-434b-9328-471eb179c11a": "By what year does the company plan to move all Minneapolis-based employees to the Client Service Center?", "c723cb53-2751-4430-aa3b-efed27f409da": "How much office space does Columbia Threadneedle occupy in Boston?", "83b07b6a-0286-45cb-addd-878f137a0508": "In which cities does Columbia Threadneedle lease additional office space outside of the U.S.?", "8969d1bb-a241-46de-9c65-2b5a8963f982": "What is the size of the newly opened location in Charlotte, North Carolina?", "05f789c4-d1b5-4d85-8c47-10ad976799df": "What types of businesses does the Las Vegas, Nevada location support?", "a9208d7d-7b8e-458f-b338-b6cb7f407c67": "How does the company view the facilities it owns or occupies in terms of maintenance and suitability?", "6b0784b1-3526-4b22-8d36-daf2e915935c": "Where can one find a discussion of material legal proceedings related to the company?", "db77bf49-de25-46e5-9bdc-a089951791ad": "What is the total square footage of the executive offices leased in New York City?", "e35cfe1b-0730-4294-b8a7-d4cfcf0674e1": "Are there any mine safety disclosures applicable to the company, according to the document?", "ea3d1bae-a915-4ef4-9b2b-9936cc8a48f1": "What is the trading symbol for Ameriprise Financial, Inc. on The New York Stock Exchange?", "79f3d3bb-1391-46e8-917b-fb8e29e76c9a": "As of February 9, 2024, how many common shareholders of record does Ameriprise Financial, Inc. have?", "41f0cffa-3073-4ee7-b54b-fc4c5bd3422c": "What is the total number of shares purchased under the share repurchase program for the fourth quarter of 2023?", "0b413a5f-be6b-47d0-b360-6f75df58cb64": "How much was authorized by the Board of Directors for the share repurchase program in January 2022?", "8669d9a1-04af-42e9-a822-6329264716be": "What was the average price paid per share for shares purchased under the share repurchase program in November 2023?", "c8ed2bd7-8dbd-45b7-b952-0892f451cb52": "What is the approximate dollar value of shares that may yet be purchased under the share repurchase plans as of December 31, 2023?", "68461bc5-4714-4092-87aa-cf5d26a35ab3": "What types of transactions are included under employee transactions in the share repurchase data?", "a6149aa0-0e3a-4ae9-8e3a-0ce7ca697550": "When does the additional $3.5 billion authorized for share repurchases by the Board of Directors expire?", "5384a684-da88-4a5b-83c6-a5f6b3276bf4": "What factors may influence the timing of share repurchases by Ameriprise Financial, Inc.?", "a8ed42c0-f62d-4d43-9d49-862dc3e7ed9b": "How does Ameriprise Financial, Inc. handle tax withholding obligations related to share-based compensation plans?", "69f13197-106e-4778-8b34-77f3eb2b0731": "What is the primary source of revenues and net income for Ameriprise Financial, Inc.?", "3a69d795-bcda-4966-86da-820a2028a485": "As of December 31, 2023, what is the total amount of assets under management and administration by Ameriprise Financial?", "59ccdc7d-4c4a-479c-9a48-fac327d75049": "What macroeconomic factors does Ameriprise Financial consider when assessing its business operations?", "fd685a93-4bab-46f3-b8b7-3380d11d4d51": "What significant change did Ameriprise Financial announce regarding Ameriprise Bank on July 13, 2023?", "b5eeb935-bad3-49a6-b238-28c1251ff086": "How does the fluctuation of equity prices and interest rates impact Ameriprise Financial's results of operations?", "f11bcb37-28e8-4cc4-8745-69be620c3864": "What is the term used for the annual review of life insurance, annuity, and long-term care valuation assumptions conducted by Ameriprise Financial?", "f56c3df4-611a-4b2a-83a0-ce1a0018835f": "Which regulatory bodies oversee the operations of Ameriprise Bank?", "7efa6fc9-c2ef-42eb-a482-21209a453307": "What types of financial products and services does Ameriprise Financial offer to its clients?", "f8585bc6-d67d-4c0f-aea8-bc02692ad3cb": "How does the competitive environment affect Ameriprise Financial's business strategy?", "00498148-7a82-4176-a81e-2674cf526e44": "What does Ameriprise Financial mean by \"unlocking\" in the context of their annual review?", "c2fa5279-41c8-4477-80d8-e9aaece80309": "What is the term used to describe the annual assumption updates mentioned in the document?", "14d67ca7-8b89-43da-ba64-0e8b1436e25e": "When did Ameriprise announce the withdrawal of its application to convert Ameriprise Bank to a state-chartered industrial bank?", "5a4ea171-3c46-4c10-ba1a-cc7e3d5d27f7": "Which regulatory bodies oversee the operation of Ameriprise Bank?", "d9a6d5af-970a-4059-b08e-9d3ea0ba5d51": "How does the consolidation of consolidated investment entities (CIEs) affect Ameriprise's financial statements?", "3b827e54-e750-4bcf-bdbe-944658964275": "What types of banking solutions will Ameriprise Bank continue to offer to its wealth management clients?", "58bd9f16-8041-4a1d-ab61-932c97995218": "In which segment are the results of operations of the CIEs reflected?", "e660e17b-15e4-4aba-b60e-2f034863d216": "What are adjusted operating measures, and why does management believe they are important?", "4f60d577-2a31-4c25-b595-186d53411f21": "What specific impacts are excluded from the adjusted operating measures mentioned in the document?", "03e1b2ad-925d-4905-920f-c41d6a5f5bf6": "How are management fees from CIEs categorized in the financial statements?", "9aec847d-c8cf-4712-b854-74e855e6d232": "What is the significance of mean reversion related impacts in the context of variable annuity and variable universal life products?", "270a3430-a559-45d2-a792-f878a3aee866": "What is the purpose of the adjusted capital measure introduced by Ameriprise Financial in the first quarter of 2023?", "08482aa4-01a3-4bde-a4cb-3c18847286e2": "How does Ameriprise Financial define \"Available Capital for Capital Adequacy\"?", "c4e5f78c-1d27-4bad-8145-10fbf1f76a30": "What are the financial targets set by Ameriprise Financial for increasing shareholder value over a multi-year horizon?", "6efe5e68-ef16-4c32-9ce0-108430b15247": "What adjustments are made to reconcile GAAP measures to adjusted operating measures in Ameriprise Financial's financial reporting?", "06c232e5-6944-49e6-aa49-fbcfb7b067d1": "How does the market impact on non-traditional long-duration products affect Ameriprise Financial's financial performance?", "6bf31d91-b182-43b9-8c8c-24b054a4d778": "What non-GAAP measures does Ameriprise Financial use to evaluate its financial performance?", "0e3ef221-0103-479a-b69e-7140564070de": "What changes were made regarding the amortization of deferred acquisition costs (DAC) and deferred sales inducement costs (DSIC) following the adoption of Accounting Standards Update 2018-12?", "9b3c0a2e-6c1a-4278-8f74-86bbcb5344d1": "What was the net income for Ameriprise Financial for the year ended December 31, 2023, and how does it compare to 2022?", "6d32d048-8448-4547-9bd8-5c96dbb3415d": "How does Ameriprise Financial's adjusted operating earnings per diluted share growth target compare to its adjusted operating return on equity target?", "80c83982-5007-4be8-9bf1-55cb13726bcb": "What is the significance of the tax effect of adjustments in the reconciliation of net income to adjusted operating earnings for Ameriprise Financial?", "c53f6c08-fd21-4a3c-a998-0c1b96284798": "What was the net income for Ameriprise Financial, Inc. for the year ended December 31, 2023?", "f0081898-d01a-42e0-99df-aac3af44c467": "How much did Ameriprise Financial, Inc. adjust its operating earnings for the year ended December 31, 2022?", "a689c6b7-c8f1-4f99-af42-2d1667f3d0b8": "What is the adjusted operating return on equity, excluding AOCI, for Ameriprise Financial, Inc. for the year ended December 31, 2023?", "ac8528c9-d506-4da0-bbbb-96b562f26c8a": "What adjustments are included in the reconciliation of net income to adjusted operating earnings for Ameriprise Financial, Inc.?", "d0b547d9-09ca-4313-878f-1e422f5a2b10": "What was the Available Capital for Capital Adequacy for Ameriprise Financial, Inc. as of December 31, 2023?", "2904220d-aa79-4090-9bb9-e9547cfe5128": "How does Ameriprise Financial, Inc. calculate its adjusted operating return on equity?", "a079c496-a7e4-4779-a689-e978c09b8400": "What is the significance of AOCI in the context of Ameriprise Financial, Inc.'s shareholders' equity?", "48d326ae-764c-461b-be08-3409df663b20": "What critical accounting estimate is highlighted regarding the valuation of investments in Ameriprise Financial, Inc.'s financial statements?", "5fceea9a-0d27-439f-8a52-5ede17353b47": "What was the total Ameriprise Financial, Inc. shareholders\u2019 equity, excluding AOCI, for the year ended December 31, 2023?", "626fafb7-f19f-45d8-b304-635106a2b3cc": "How does the fair value of Available-for-Sale securities impact Ameriprise Financial, Inc.'s financial reporting?", "c6d9564f-8db5-4da8-bf90-fbdad7b0e5c7": "What are the main types of market risk benefits offered by Ameriprise Financial, Inc. in their variable annuity products?", "dca3be77-cddf-4414-b8ce-67042d0bb243": "How much account value in variable annuities does Ameriprise Financial currently manage, and how is this value divided between living benefit guarantees and non-living benefit guarantees?", "454a9ccb-1d26-48ef-8c79-df4c5c43a4e0": "What actuarial models does Ameriprise Financial use to project future benefits and assessments for market risk benefits?", "e4a1072a-c3e6-4754-af9e-ecc8bb53d949": "How frequently does management review and adjust the assumptions related to market risk benefits at Ameriprise Financial?", "6ff9cd0f-cca9-495b-9434-64e339cb0190": "What impact does the estimate of nonperformance risk adjustment have on the valuation of market risk benefits?", "f5b6a563-a0c5-498c-b450-202fabe90e7a": "How does Ameriprise Financial monitor changes in policyholder behavior regarding variable annuity living benefit guarantees?", "3c8944d3-6a61-4544-83fc-b2bab8a74356": "What factors are considered when establishing management\u2019s assumptions for market risk benefit calculations at Ameriprise Financial?", "e93ae98c-6abf-4ed4-878c-a9dc68306b1b": "What types of products are classified as non-traditional long-duration products by Ameriprise Financial?", "690e763d-1e9a-4f3d-8770-87511010f825": "How does Ameriprise Financial differentiate its assumptions based on policyholder characteristics in its market risk benefit reserves?", "0a53ea4b-386c-47c0-a1ef-4e011caa1fc8": "What is the significance of the guaranteed minimum death benefit (GMDB) in Ameriprise Financial's variable annuity contracts?", "7656677f-2e1d-492b-98e7-67550f6e7fc1": "What is the purpose of the review and approval process mentioned in the document regarding changes in assumptions for financial statement balances?", "7fc86551-de48-406e-9622-a94e80574ac6": "What types of products are classified as non-traditional long-duration products in the context of future policy benefits and claims?", "5e4ea5be-3676-40b4-a26e-7b826a5f5f2e": "How are reserves established for non-traditional long-duration products according to the document?", "3f7c34a5-2953-4d34-9626-81638c7db08e": "What are the potential consequences if actual experience is worse than the results of the estimation process for reserves?", "722eaadb-c5e2-4fce-aa43-3a9f14762c00": "How are UL and VUL policies treated in terms of accounting when they have product features that result in profits followed by losses?", "6baab352-40e1-4555-a2e0-94e8096c6120": "What role do secondary guarantees play in UL and VUL policies as described in the document?", "2e181bcc-6edc-40ac-91ac-73ab12df055a": "What types of traditional long-duration products are mentioned in the document?", "cece931f-f6ee-4e77-9f4f-928594d65e13": "How is the portion of structured variable annuities and indexed universal life policies accounted for in relation to embedded derivatives?", "73d6760d-d27b-4052-9f21-aaed38d0aabe": "What challenges are associated with predicting the movement and sensitivities of reported amounts in the financial statements?", "392ca412-c6f4-42c1-bc91-ed81c3553996": "What factors can influence the establishment of reserves for future benefits and expenses in long-duration products?", "fdc82d05-9491-42be-b628-9225e8830cb9": "What is the purpose of the death benefit provided by Ameriprise Financial, Inc. in relation to policy value?", "77d8995a-d2c6-4771-9d3f-1ddfd96556a0": "How does Ameriprise Financial estimate the liability for future losses associated with death benefits?", "2ff3eb38-7635-447e-b7d7-a80d5e8af2f7": "What significant assumptions are made when projecting future benefits and assessments for Ameriprise Financial's policies?", "2ca3befb-aed3-4700-b12b-4d594737c116": "How does the fair value of embedded derivatives related to structured variable annuities fluctuate?", "ec1bde2f-df7b-43b4-993a-55f4c7d1cb37": "What factors influence the valuation of embedded derivatives at Ameriprise Financial?", "6d062aaa-1193-435c-a83e-1cda3deeec38": "What types of cash flows are included in the liabilities for traditional long-duration products?", "3cf3ac6c-f2ae-4ec1-a031-c7433f078d2c": "How does Ameriprise Financial update the liability for future policy benefits?", "708d57fb-de59-40af-bc77-23f973c66b3c": "What method does Ameriprise Financial use to discount cash flows for calculating future policy benefits?", "9a9979c1-14cd-41c5-9606-4856e47fb8d1": "How are derivative instruments accounted for at Ameriprise Financial, and what is their purpose?", "f84a15f3-1f9a-4178-ad81-7844ed056f9c": "Where can one find information regarding recent accounting pronouncements and their impact on Ameriprise Financial's operations?", "d2304ee5-32c8-4457-a7a7-f4e41fd24795": "What challenges are mentioned regarding the prediction of impacts on the aggregate derivative portfolio due to market movements?", "76d57be8-4e89-4f8c-accd-e4e626d1d30b": "Which levels of fair value are predominantly referenced in the context of the derivative portfolio?", "ccb9b88e-e2a6-4ef6-a7a0-73d9ce6817fc": "Where can one find detailed information about the types of derivatives used and their accounting methods?", "455cf82a-27e8-4bac-bdd4-ff4fe08501bd": "What sections of the Consolidated Financial Statements should be consulted for discussions on market risk exposures and hedging programs?", "9a63c142-e4f6-4229-8640-06be30400c54": "What types of fees are included under management and financial advice fees?", "3d67eb46-2dc5-468f-9e1d-85723d43ada6": "What specific services are mentioned as part of the management and financial advice fees?", "cff437e2-93f8-4895-ace7-a364067b5e3a": "How do changes to assumptions regarding derivatives affect the ability to predict impacts?", "d12e7202-419c-45c2-a8f0-cc128801d635": "What recent accounting pronouncements are referenced in the document, and where can their expected impact be found?", "28f7e757-b3a0-49ad-a0ad-56e8a0667f7d": "What is the significance of performance-based incentive management fees in the context of management and financial advice fees?", "b567cf51-1339-47f4-98e4-311afb1b44df": "What types of services are provided to retail mutual funds as mentioned in the document?", "84a18920-ed71-4f80-85d8-4d190635b2ef": "What are the primary components included in Ameriprise Financial's distribution fees?", "f9c0c148-86f2-46fe-9188-c0df6c607347": "How does net investment income contribute to Ameriprise Financial's overall revenue?", "96d923d3-3414-433b-a03a-84574946b52f": "What types of insurance premiums are included in the premiums, policy, and contract charges section?", "2e07ef73-0743-4bab-8243-fbf113e203f9": "What constitutes other revenues for Ameriprise Financial, according to the document?", "18f06603-b199-4910-bed3-30f426f40402": "What types of expenses are categorized under distribution expenses, and how are they related to sales?", "bf238a12-5317-4c7a-bc9f-bd29d4f26879": "How is interest credited to fixed accounts calculated for UL and VUL insurance and annuity contracts?", "8ea18034-f4d4-4883-828d-3423b0a8f624": "What do benefits, claims, losses, and settlement expenses encompass in the context of Ameriprise Financial?", "6aa15b4e-6b7b-4337-9b34-c34ffcd3f5c6": "What does the remeasurement of future policy benefit reserves indicate about Ameriprise Financial's insurance contracts?", "0fedb2a6-792e-47d4-b528-51cabdcb8f7c": "How are changes in the fair value of market risk benefits recognized in Ameriprise Financial's financial statements?", "af0ab72c-68cd-4c96-b575-fb3112c6b965": "What is the process for amortizing direct sales commissions and other costs capitalized as DAC?", "e627ff91-6a0a-496b-a252-cd1c75fe361a": "What are the primary components included in Ameriprise Financial's interest and debt expense?", "278fe02c-9952-4e12-b7ec-25db6dfaf182": "How did the S&P 500's period-end value change from 2022 to 2023?", "13f798a4-ef6c-40f9-b998-c99228523447": "What does the Weighted Equity Index (WEI) represent in the context of Ameriprise Financial's operations?", "04174832-a598-4e64-ad39-545dc4f5ad0d": "What are the differences between assets under management (AUM) and assets under administration (AUA) as defined by Ameriprise Financial?", "4b47a7d6-3f9f-4c3f-ab6f-1e1f5722a61b": "By what percentage did the total assets under management (AUM) increase from December 31, 2022, to December 31, 2023?", "459fcecd-1f45-458f-8bdc-034dd88ffb64": "What types of expenses are included in the general and administrative expense category for Ameriprise Financial?", "06403e3a-32c3-41ff-bb7b-fb206f27d1fc": "How does the economic environment impact Ameriprise Financial's results of operations and financial condition?", "4e7a067b-c482-405c-bc6d-d4c8a39b6d08": "What is the total amount of assets under administration (AUA) reported by Ameriprise Financial as of December 31, 2023?", "7137d8ae-0e64-457f-a8eb-b7d4bc2dd9a9": "What does Ameriprise Financial mean by \"eliminations\" in the context of their assets under management?", "b2a7298a-e98b-4b30-87ad-cadb642434f9": "What was the change in corporate assets under management (AUM) from 2022 to 2023, and how is it described in the document?", "4b04ce4e-9ce1-4dce-8150-278294f32122": "What was the total increase in Advice & Wealth Management AUM for Ameriprise Financial, Inc. in 2022, and what were the primary drivers of this increase?", "4d4b23f0-5bf6-4f3b-b8cc-c7194c948b44": "How did the total revenues for Ameriprise Financial, Inc. change from 2022 to 2023, and what was the percentage increase?", "dc0075b1-2446-4120-8e06-7f25af2e2cd6": "What was the net investment income for Ameriprise Financial, Inc. in 2023, and how does it compare to the previous year?", "2561129d-ca24-4bf0-b562-8264c5a96444": "What significant expense impacted Ameriprise Financial's pretax income in 2023, and how did it differ from the prior year?", "20ceae0a-334a-4a60-bb83-0284cb6d9ae2": "How much did the income tax provision change from 2022 to 2023 for Ameriprise Financial, Inc.?", "8a235c50-ad41-46b5-8e10-5667273ce705": "What was the total amount of benefits and expenses reported by Ameriprise Financial, Inc. for the year ended December 31, 2023?", "867cdbd6-8838-4f01-bc3b-c7fa3fa02bd5": "What factors contributed to the decrease in net income for Ameriprise Financial, Inc. in 2023 compared to 2022?", "dce90e88-e683-48d2-b403-8d6622af82c1": "What was the change in distribution expenses for Ameriprise Financial, Inc. from 2022 to 2023, and what was the percentage change?", "cd19488f-00d0-4f48-8cb4-f2041e2f5dd6": "How did the market impact on non-traditional long-duration products affect Ameriprise Financial's financial results in 2023?", "e39833d6-a6d1-4d90-b2e7-8b5ffa326308": "What was the overall pretax income for Ameriprise Financial, Inc. in 2023, and how does it compare to the pretax income from the previous year?", "bd7ddd85-7209-4e90-bc7b-68ea6bdd20fe": "What was the pretax income (loss) for Ameriprise Financial, Inc. in 2023 compared to 2022?", "5222bc45-08e5-4ea7-93b5-3d45248d7968": "How did the change in surrender assumptions for variable annuities with living benefits impact Ameriprise's expenses in 2023?", "b5e1c098-3f95-4c28-bdd7-a95d94c23605": "What were the primary drivers of the year-over-year unlocking impact for Ameriprise Financial, Inc.?", "3d71cf34-dd7e-48ac-8169-ff9b6e2efbb4": "By how much did net investment income increase for Ameriprise Financial, Inc. in 2023 compared to the prior year?", "841d3999-5629-42fa-9c53-38c448efcd5e": "What factors contributed to the increase in banking and deposit interest expense for Ameriprise Financial, Inc. in 2023?", "f83eacd8-c98d-4238-8721-11184a00465f": "How did distribution expenses change for Ameriprise Financial, Inc. in 2023 compared to 2022?", "3fbe5884-678b-4653-9105-227cb528957f": "What was the impact of interest rate assumptions on Ameriprise's financial performance in 2022?", "86b90c89-c700-426d-b38a-6e31ad32ffcd": "How much did premiums, policy, and contract charges increase for Ameriprise Financial, Inc. in 2023?", "aad1fa02-fdb8-428b-998c-108fd3b07e27": "What were the net realized investment losses for Ameriprise Financial, Inc. in 2023, and how did they compare to the previous year?", "1b07eca7-f894-44a7-99b8-a0bd00090279": "What adjustments were made to the amortization of DAC for Ameriprise Financial, Inc. in 2022?", "735e3c7c-0322-4cbd-8ce8-2fc333cceaa6": "What was the total increase in benefits, claims, losses, and settlement expenses for Ameriprise Financial, Inc. in 2023 compared to the prior year?", "c1a0d034-f91d-4052-8bee-5d1adc92c24f": "How much did the market impacts on structured variable annuities embedded derivative contribute to the increase in expenses for 2023?", "1a60815a-7bd4-44e8-8402-62ac835474e2": "What were the main market drivers that affected the change in fair value of market risk benefits for Ameriprise Financial, Inc. in 2023?", "6bae507e-5d5c-47fd-abbb-cc1cd4775bcc": "What was the effective tax rate for Ameriprise Financial, Inc. in 2023, and how did it compare to the prior year?", "9643f891-6d5b-4db3-a06c-28833c040715": "What specific regulatory matter resulted in a $50 million accrual in general and administrative expenses for 2023?", "4f119487-1d13-48e1-9211-7cac82fe0f0c": "How did the issuance of unsecured senior notes in 2023 impact interest and debt expenses for Ameriprise Financial, Inc.?", "26912dac-652f-4d77-86f1-359c4d2358e8": "What factors contributed to the increase in general and administrative expenses for Ameriprise Financial, Inc. in 2023?", "72b4a922-8b3f-47d2-813f-c45f0a9e4e04": "What was the impact of higher sales of life contingent payout annuities on the overall expenses for Ameriprise Financial, Inc. in 2023?", "f5b8552f-d6e0-42f4-b6b9-f8b6b767d692": "How did the changes in surrender assumptions affect the unlocking expense for variable annuities with living benefits in 2023?", "b1e3dd1c-fcdf-4a65-8c4a-b8c2a98d7fdd": "What is the purpose of presenting adjusted operating earnings as a measure of segment profit or loss for Ameriprise Financial, Inc.?", "d28a7c28-da68-43e9-89d0-47b717398231": "What were the net revenues for Ameriprise Financial, Inc.'s Advice & Wealth Management segment in 2023?", "6b7412a0-1c4d-4468-bec5-a7967994c5fd": "How did the adjusted operating earnings for the Asset Management segment change from 2022 to 2023?", "54a426ec-2c70-4aff-a6fb-c17606d9f0b2": "What was the total adjusted operating loss for the Corporate & Other segment in 2023?", "b383b056-cb25-46b7-a245-0a59845fe5cf": "In the Retirement & Protection Solutions segment, what was the impact of unlocking on total revenues in 2023?", "6b56e80a-ff2b-4244-b4b3-272a4b13c1d8": "How did the expenses for the Retirement & Protection Solutions segment compare between 2022 and 2023?", "e8faa95f-e730-4dd3-8b98-c98be160d6c6": "What was the pretax income (loss) for the Corporate segment in 2023?", "7247aed2-b6f1-473a-8391-35079af9d76f": "What was the change in fair value of market risk benefits for the Retirement & Protection Solutions segment in 2023?", "51baee35-235c-4f80-9c1b-39cbbe18a658": "How did the total benefits and expenses for the Corporate segment change from 2022 to 2023?", "d37e332a-c2b6-40aa-adf3-2cb0e6711e95": "What were the net revenues for the Asset Management segment in 2022?", "0a38dbbd-ec8c-49c4-9fc0-28cd4d056e10": "What was the impact of LTC unlocking on the total remeasurement (gains) losses of future policy benefit reserves in 2023?", "5c7f4195-bf7a-4978-ab48-7e3cc5660496": "What was the ending balance of wrap account assets for Ameriprise Financial, Inc. as of December 31, 2023?", "eef6dd57-3c5e-4b18-a28f-a6b944557bad": "How much did net inflows contribute to the increase in wrap account assets in 2023?", "fc0f50c0-95bd-4be5-8ab8-aa751773a398": "What percentage increase did average advisory wrap account assets experience from 2022 to 2023?", "4ab55f07-0ade-4cea-838f-6430227d7cc4": "What were the total revenues for the Advice & Wealth Management segment in 2023?", "f07183d8-305c-4bc3-be4f-d68852ad2e84": "How did the pretax adjusted operating margin change from 2022 to 2023 for Ameriprise Financial's Advice & Wealth Management segment?", "1178a5f1-c220-4274-b8db-7d778d85f3b7": "What was the average interest rate paid on deposits for Ameriprise Bank in 2023 compared to 2022?", "35380c3a-1275-49a8-b550-674368c51a66": "How much did the Ameriprise Certificate Company\u2019s client deposits increase from the prior year to December 31, 2023?", "18216eac-4f18-4740-8e93-e12568695275": "What was the primary driver of revenue earned on wrap accounts for Ameriprise Financial, Inc.?", "ad6398dd-3d3e-4a0c-a1ea-9039828e1c62": "What significant partnership did Ameriprise Financial close in November 2023, and what was the value of client flows associated with it?", "c005164a-2a5b-421e-bf77-f8e6866f5a90": "How much did total expenses for the Advice & Wealth Management segment increase in 2023 compared to 2022?", "7ee6df95-4fab-4020-a833-adbe4d9c48d8": "What was the increase in management and financial advice fees for Ameriprise Financial, Inc. in 2023 compared to the prior year?", "78275466-e4a4-4ace-8927-1647c84f9f7d": "How much did average advisory wrap account assets increase for Ameriprise Financial, Inc. in 2023?", "db6120f5-194b-47b3-bd62-3701884dd722": "What factors contributed to the increase in net investment income for Ameriprise Financial, Inc. in 2023?", "909d926e-729a-479a-acff-1d8ddd55f489": "By how much did banking and deposit interest expense increase for Ameriprise Financial, Inc. in 2023?", "5405830d-89bf-46c0-9ad0-801a7e56549b": "What were the primary reasons for the increase in distribution expenses for Ameriprise Financial, Inc. in 2023?", "0e66917e-6fc3-4791-bb3b-e0d87cde6b90": "How much did general and administrative expenses increase for Ameriprise Financial, Inc. in 2023, and what was a significant factor in this increase?", "5a7b6ce4-f3f2-48ff-81bd-3891d30748aa": "What percentage of Columbia Threadneedle Investments' retail funds ranked in the top 2 quartiles or above for the 1-year performance as of December 31, 2023?", "90d5ea12-acb4-407a-b308-6e0cbfeeecb4": "How many Columbia funds received a 5-star Overall Rating from Morningstar based on the information provided?", "7db929a1-3422-4b65-8953-082776ff7d50": "What is the methodology used to calculate asset-weighted performance for Columbia funds?", "78eda450-032a-49c5-b73f-5ecab03f2a8d": "What percentage of fixed income funds from Columbia Threadneedle Investments ranked in the top 2 quartiles or above for the 10-year performance?", "5bead797-a72a-454e-b28d-ebf3aab0feb0": "What is the total amount of managed assets reported for Columbia and Threadneedle funds as of December 31, 2023?", "320b160a-cc5a-4b40-80ef-d75a0271a57e": "How many Columbia funds received a 5-star Overall Rating according to the document?", "6eaee800-1d4b-4daf-9d75-ccab3870f184": "What percentage change did equity managed assets experience from December 31, 2022, to December 31, 2023?", "9745d101-6066-4def-9f2b-e7705a3d99bd": "Which type of managed assets saw the highest percentage increase in the year-over-year comparison between 2022 and 2023?", "46c41a1d-1192-402e-9451-2ee3c9548971": "How many Threadneedle funds received a 4-star Overall Rating based on the highest-rated share class?", "337b3524-5bba-4c72-8616-99166578b526": "What is the significance of the Overall Morningstar Rating mentioned in the document?", "5c6ee31d-36c9-45a7-88b9-c2b47a166e05": "What was the change in total managed assets from December 31, 2022, to December 31, 2023, in billion dollars?", "554b0e69-b953-4ae5-a593-0bdbb40c49ed": "Which category of managed assets experienced a decrease in value from December 31, 2022, to December 31, 2023?", "e627b5d7-6eb8-4818-8a2a-c3ac07ecb35f": "What is the average ending balance calculation method mentioned in the document?", "b3186f19-29c5-4628-9d7a-9a03db00ea97": "How do the managed assets in fixed income compare between the two years, 2022 and 2023, in terms of dollar change?", "7b462c37-f335-4953-b165-6bb1842020a4": "What was the total managed assets for Ameriprise Financial, Inc. at the end of 2023?", "77dd387c-85ef-4082-8c3d-7e780f58b2f8": "How much did the Global Retail Funds experience in outflows during 2023?", "456d9367-f3f2-44e4-9ce8-5ed295bd1eab": "What was the net flow for Global Institutional assets in 2022?", "ec53c333-f3ff-445f-b796-94c2ae13d78e": "By what percentage did total segment AUM increase during 2023?", "b16c0ccd-40aa-42ae-9b93-e9703303f3ea": "What were the reinvested dividends for Global Retail Funds in 2023?", "310757df-1fe6-4348-9e2f-2e15a2b6d281": "How did foreign currency translation impact the total ending assets for Global Retail Funds in 2022?", "08c9c6c8-b2ae-496a-b834-19636e526689": "What was the market appreciation (depreciation) for Global Institutional assets in 2023?", "ac5d6d6f-86d1-4bca-a0fe-8d5d0da29869": "What was the total net flows for Ameriprise Financial, Inc. in 2023?", "bc23b6fd-f959-4789-a032-e4763867e0a1": "How much did the Global Institutional inflows change from 2022 to 2023?", "94cf76df-bee3-4b40-8921-9ad9d0010a94": "What factors contributed to the increase in total managed assets for Ameriprise Financial, Inc. in 2023?", "5fd8a040-f818-4f48-91bf-cc589628911c": "What was the total revenue for Ameriprise Financial's Asset Management segment in 2023?", "a715dc6d-130e-46bb-8734-730bc6898dd2": "By how much did management and financial advice fees decrease in 2023 compared to 2022?", "28861269-2a9f-4f96-9241-c4b39c9bb6b4": "What was the percentage change in distribution fees from 2022 to 2023?", "f669fb12-f2f6-4d29-8e7b-65ff34ebbceb": "How much did net investment income increase in 2023 compared to the previous year?", "51fb187c-b9ed-4fc1-bd6d-4ff3257a7481": "What were the total expenses for the Asset Management segment in 2023?", "5d656ed2-a01f-4427-913c-e86b3b8125e5": "What was the primary reason for the decrease in adjusted operating earnings for Ameriprise Financial in 2023?", "2d4a3bf3-b076-4186-a26a-48aa4b31aaba": "How did general and administrative expenses change from 2022 to 2023?", "bad08619-4647-4e68-8ece-01a1296b7fcc": "What does \"NM\" stand for in the context of the financial results presented in the document?", "3eddcc18-0083-4fd8-a7c9-8026ef44d39e": "What factors contributed to the decrease in management and financial advice fees in 2023?", "a5f7b487-894c-44fa-8d2c-5bf4d2a8d614": "What was the change in distribution expenses for Ameriprise Financial's Asset Management segment from 2022 to 2023?", "e7ca5edb-da34-48e4-86df-b62a5108a8a8": "What was the total revenue for Ameriprise Financial's Retirement & Protection Solutions segment in 2023?", "c76e9e7a-2e6a-49ec-9df6-befd7074d2f8": "How much did management and financial advice fees decrease in 2023 compared to 2022?", "4224618e-ad43-40b7-a3bd-da9469fc5a3c": "What percentage increase did net investment income experience in 2023 relative to the previous year?", "9ece3e76-c4fa-47ff-9d2a-f75c533e75cd": "What were the total expenses for the Retirement & Protection Solutions segment in 2022?", "bf71c15f-a0f3-4038-9c87-0641fc4b6dad": "How did variable annuity account balances change from 2022 to 2023?", "c5939972-1888-4148-a864-01ffb85facac": "What factors contributed to the increase in benefits, claims, losses, and settlement expenses in 2023?", "34fe98da-9742-4df5-8347-d946aa8f6bbf": "By how much did distribution fees decline in 2023 compared to 2022?", "c442c1eb-706b-4a51-a993-6312f1d2812c": "What was the adjusted operating earnings for Ameriprise Financial's Retirement & Protection Solutions segment in 2023?", "6b1d6c01-c758-45d7-8788-3b2f88689a19": "What trend is expected to continue regarding the mix of business related to products with living benefit guarantees?", "a5ee1277-1aa5-4a6d-9cad-eadcadf5ea15": "How did the sales of variable annuities with living benefit guarantees change in 2023 compared to the previous year?", "495d1c80-8c89-4d8d-b0d7-1ee55ba1a24b": "What was the change in fair value of market risk benefits for Ameriprise Financial, Inc. in 2023 compared to the prior year?", "a6c225c4-cd88-4d91-a4d4-9e490754c938": "How much did the unlocking impact for 2023 reflect as an expense for variable annuities with living benefits?", "c52f7407-2baa-4b08-934e-67bc5188d6a2": "What were the total revenues for the Corporate & Other segment of Ameriprise Financial, Inc. in 2023?", "7b77d72f-007d-4614-88ae-0620c08427b2": "What was the percentage increase in net investment income for Ameriprise Financial, Inc. from 2022 to 2023?", "917c82e9-6477-4071-8556-bcba15c3f7d1": "How did the adjusted operating loss for the Corporate & Other segment change from 2022 to 2023?", "1b78f038-e9a2-4ca0-b4ec-5df2f78055a9": "What factors contributed to the pretax adjusted operating earnings of the LTC insurance segment in 2023?", "f3288e49-81a2-4541-96eb-b58e68fb4abc": "By what percentage did fixed deferred annuity account balances decline as of December 31, 2023, compared to the prior year?", "24865d50-0da9-4af1-8c53-dfbe888df9b4": "What was the primary reason for the decrease in other revenues for Ameriprise Financial, Inc. in 2023?", "2760ca63-4992-4716-890d-55e11e4bb0a7": "How much did interest and debt expense increase from 2022 to 2023 in the Corporate & Other segment?", "7d427558-1376-4073-8009-01db0c3997e7": "What were the main components excluded from the pretax adjusted operating loss in the Corporate & Other segment?", "9c51b492-e63d-4b02-835e-ff3aaa01c0f2": "What was the increase in interest and debt expense for Ameriprise Financial, Inc. in 2023 compared to the previous year?", "7007f1e9-1901-4cfc-8013-bf7c209b72c3": "How much did general and administrative expenses rise for Ameriprise Financial, Inc. in 2023, and what were the primary reasons for this increase?", "24f63da2-cef3-43ff-93f4-19603e1c2364": "As of December 31, 2023, what was the gross in force annual premium for Ameriprise Financial's nursing home indemnity long-term care (LTC) block?", "c3980efa-0c1c-4c4f-8408-bd980dc6b6c5": "What percentage of daily benefits in force in the nursing home indemnity LTC block are classified as lifetime benefits?", "a3ee05b0-89ad-4673-8757-46b4ce440c60": "How many policies were closed with claim activity as of December 31, 2023, in Ameriprise Financial's LTC business?", "7bf933ab-0a26-453e-b6b0-e34218322687": "What cumulative rate increases have been implemented on the nursing home indemnity LTC block since 2005?", "0ad6ead4-5640-48d6-a12d-c456088d0b64": "What is the difference between Ameriprise Financial's statutory reserves and GAAP reserves as of December 31, 2023?", "e6a1de8d-9fc3-4005-b6a3-f8416380f908": "What are the average attained ages of policyholders in the comprehensive reimbursement LTC block as of December 31, 2023?", "dcfb7da1-b585-4232-a762-8c7dd781670f": "How often does Ameriprise Financial conduct a review of the cash flow and expense assumptions supporting the liability for future policy benefits?", "508d1563-4b35-49e8-8c41-0bf79bf025c5": "What are the three primary levers utilized by Ameriprise Financial to manage their long-term care business?", "9fe41823-6149-4c93-aabd-4fb2e1239af3": "What was the total revenue for Ameriprise Financial, Inc. in the year ended December 31, 2022?", "09b4760c-a9c1-4c27-be71-dd7820084cc1": "How did management and financial advice fees change from 2021 to 2022?", "d6058b80-b3f2-432f-b400-a95d9e9fbe79": "What was the percentage change in net investment income from 2021 to 2022?", "5aa70237-b5ec-4618-acf9-bf828d348bac": "What significant transaction in 2021 contributed $524 million to pretax income for Ameriprise Financial, Inc.?", "58fd9863-74f9-4e19-94b1-7c993d4ad764": "How did the average S&P 500 index performance in 2022 compare to the previous year?", "56661e4c-5d94-468f-9d0b-3aac571f3378": "What was the impact of unlocking on pretax income for Ameriprise Financial, Inc. in 2022?", "7cdf8643-f713-4b00-83a8-e83875d5601a": "What was the total expenses for Ameriprise Financial, Inc. in 2022, and how did it compare to 2021?", "c978da6f-beb6-4ac2-bc2e-cabc9468ebc2": "What was the net income for Ameriprise Financial, Inc. for the year ended December 31, 2022?", "201b5feb-4583-4b7b-aee8-b66e83ff3486": "How did the change in fair value of market risk benefits affect the expenses in 2022?", "15582b49-bd85-44ee-acf7-c822af096494": "What was the favorable impact of short-term interest rates on Ameriprise Financial, Inc.'s financial performance in 2022?", "a48eaba4-96f2-4560-b56a-850a368f4eeb": "What was the pretax income (loss) for Ameriprise Financial, Inc. in 2022 compared to 2021?", "9fcf0fd2-d91c-45aa-9594-deeb7a0c451d": "How did the interest rate assumptions impact the unlocking effect for Ameriprise Financial in 2022?", "34fadf6b-e69c-4ede-bf69-962cee346794": "What were the primary drivers of the year-over-year unlocking impact mentioned in the document?", "02507b99-cedb-44fd-84f1-638b4bb405b1": "By how much did management and financial advice fees decrease for Ameriprise Financial in 2022?", "d7ec3aca-70a2-4607-839c-3d65a34691f8": "What factors contributed to the decrease in net investment income for Ameriprise Financial in 2022?", "65d687cb-668b-48cd-8323-6bba8deffd0c": "What was the change in premiums, policy, and contract charges for Ameriprise Financial in 2022 compared to the prior year?", "b06c7f1a-e06f-4d06-90bc-804fda24e39d": "How did distribution fees change for Ameriprise Financial in 2022, and what were the reasons for this change?", "de38fe43-0424-46a7-bd68-b0ec7c895434": "What was the impact of the reinsurance transaction on premiums, policy, and contract charges for Ameriprise Financial in 2022?", "8c252f3a-1228-4289-92c5-12469649a93a": "How did the market environment affect Ameriprise Bank and certificate businesses in 2022?", "a1f4f509-6975-4dec-89b3-3fe8b6daa6ae": "What was the total pretax impact on revenues and expenses attributable to unlocking and LTC loss recognition for Ameriprise Financial in 2022?", "ff5ad7d3-fc28-4b64-94f6-6b85b8016d16": "What was the percentage decrease in distribution expenses for Ameriprise Financial, Inc. in 2022 compared to the prior year?", "70799db9-24e6-41c3-b93b-8f80c0eacd55": "How much did interest credited to fixed accounts increase for Ameriprise Financial, Inc. in 2022, and what were the main contributing factors?", "aba76b79-3c5f-4eea-a757-fa9ba2d32aa6": "What was the primary reason for the increase in benefits, claims, losses, and settlement expenses for Ameriprise Financial, Inc. in 2022?", "f727aff0-1dbd-46ce-af2d-e62478122555": "How did the reinsurance transaction for life contingent payout annuity policies impact expenses in the prior year for Ameriprise Financial, Inc.?", "6396f3ab-735f-44a2-abfd-a36671274b12": "What was the change in fair value of market risk benefits for Ameriprise Financial, Inc. in 2022 compared to the prior year, and what were the main market drivers?", "e4601f35-19b0-4808-876e-c7c519cbf481": "What specific factors contributed to the increase in general and administrative expenses for Ameriprise Financial, Inc. in 2022?", "75d64e9f-3817-449c-9d70-14e1f97aaaf0": "How did the effective tax rate for Ameriprise Financial, Inc. in 2022 compare to the prior year?", "fd2be2e9-5053-4bb1-b2da-3c7903554045": "What was the impact of equity market changes on the variable annuity guaranteed benefits liability for Ameriprise Financial, Inc. in 2022?", "101b6f91-269d-4206-85e2-e3fe89c63d6b": "How did the COVID-19 pandemic influence the policy and claim terminations for long-term care insurance in the prior year for Ameriprise Financial, Inc.?", "a660ed13-a6a1-46a2-a41c-9cffe1c3db00": "What was the overall financial impact of the acquired BMO Global Asset Management (EMEA) business on Ameriprise Financial, Inc.'s expenses in 2022?", "0ca50145-85d0-4756-85f4-cc1ac6de0ff3": "What was the net revenue for Ameriprise Financial's Advice & Wealth Management segment in 2022?", "54f36316-f29c-4dbf-a913-1d109368d339": "How did the adjusted operating earnings for the Asset Management segment change from 2021 to 2022?", "493695dd-698b-4a39-ad18-58563e288687": "What were the total expenses for the Retirement & Protection Solutions segment in 2022?", "5d93e30f-eaec-4117-a3a5-c63f6a65cf64": "What impact did unlocking have on the pretax income for the Corporate segment in 2022?", "4db718c4-7023-4cfa-8340-2147d908e4d2": "How did the net revenues for the Corporate & Other segment compare between 2021 and 2022?", "0236f50e-52ba-4401-8362-52bdf3b984b0": "What was the adjusted operating loss for the Corporate segment in 2022?", "6eebd049-26cd-41bc-b9a4-c700daa8e7c7": "In which segment did the change in fair value of market risk benefits show a significant decrease in 2022?", "7e6ed48c-45b6-4f5f-8d7f-e9b2c742c2af": "What were the total revenues attributed to the Retirement & Protection Solutions segment in 2021?", "68542170-cfd4-4a8f-9ca5-a98a6684be3f": "How did the expenses for the Advice & Wealth Management segment in 2022 compare to those in 2021?", "5db3adf9-5e50-4fa7-871d-37b4964f6d2e": "What was the total pretax adjusted operating impact on revenues for the Retirement & Protection Solutions segment in 2022?", "5b18b589-bdb5-414d-9b55-9d1ae75178cb": "What was the ending balance of wrap account assets for Ameriprise Financial, Inc. as of December 31, 2022?", "3498cfc3-5fe5-40ad-8b76-b930f38b4557": "How much did net flows contribute to the wrap account assets in 2022 compared to 2021?", "ac31c97c-6d9c-475a-b898-35a6468245e6": "What was the percentage decrease in wrap account assets during 2022?", "fa89a11c-fe32-4846-9236-205a877fdad9": "What were the total revenues for the Advice & Wealth Management segment in 2022?", "f27a74e1-0f83-46bf-9dda-9f6b8585b0d2": "How did adjusted operating earnings change from 2021 to 2022 for Ameriprise Financial's Advice & Wealth Management segment?", "042dfb7c-855d-4484-a62f-575463e7011f": "What factors contributed to the increase in management and financial advice fees in 2022?", "69d1b16e-e9c5-463b-931b-29290e85d11c": "What was the adjusted operating margin for the Advice & Wealth Management segment in 2022?", "fd668cef-ba3f-4dab-88c1-4e68a24d2e93": "How much did Ameriprise Bank's deposit balances increase from the prior year to 2022?", "fe810f7d-f548-4046-8bfd-563d096062e7": "What was the average advisory wrap account assets for the year ended December 31, 2022?", "28ddb772-6d25-45e9-8b1d-2b38b398b155": "What was the change in general and administrative expenses from 2021 to 2022?", "4960038b-ff60-49a5-9448-48c696d2f77c": "What was the change in distribution fees for Ameriprise Financial, Inc. in 2022 compared to the previous year?", "c7692f06-8cc8-4e3d-be82-3b714299935c": "How much did net investment income increase for Ameriprise Financial, Inc. in 2022, and what were the primary factors contributing to this increase?", "450fe829-ee2a-4585-a76f-2f24d973d04d": "What was the percentage decrease in equity managed assets for Ameriprise Financial, Inc. from December 31, 2021, to December 31, 2022?", "0ce7d62d-793d-4283-82ae-89050a21ec67": "What factors contributed to the increase in banking and deposit interest expense for Ameriprise Financial, Inc. in 2022?", "907cae0a-3496-4c72-90c6-4eae1ecafe11": "How did general and administrative expenses change for Ameriprise Financial, Inc. in 2022 compared to the prior year?", "575591dd-5e49-4249-9b05-ee6d80dd2b39": "What was the total amount of managed assets for Ameriprise Financial, Inc. as of December 31, 2022?", "836e53e8-49a8-4e42-9758-a7a4c27edbd9": "Which asset type experienced the largest percentage decrease in managed assets for Ameriprise Financial, Inc. from 2021 to 2022?", "b7d2a52a-3892-4b94-a0b7-dfb56f12fc50": "What was the change in money market managed assets for Ameriprise Financial, Inc. from December 31, 2021, to December 31, 2022?", "d178da92-6408-42e1-b92c-23120de23a0e": "How did the average ending balances for managed assets in 2022 compare to those in 2021 for Ameriprise Financial, Inc.?", "12d3a05a-b20a-42ce-aff9-df1acd376abd": "What does \"NM\" stand for in the context of the asset management table, and what does it indicate about the variance?", "03413a37-aaf7-41e4-9490-89d4f6b0106d": "What was the total managed assets for Ameriprise Financial, Inc. at the end of 2022?", "ec01ae41-2036-45b0-a556-69d49c2aeb21": "How much did the global retail funds experience in net new flows in 2022?", "6534b4ba-9ab6-4641-bd10-c731f6dd2780": "What were the total net flows for Ameriprise Financial, Inc. in 2021?", "56b7370f-dae9-4c7a-bde3-e05fba0392e2": "What factors contributed to the decrease of total segment AUM by $170.1 billion in 2022?", "2eefaaba-f264-4642-ba5a-c48851b642bd": "How did foreign currency translation impact the global retail funds in 2022?", "dcc3dcc6-ce67-4af8-a670-9b76bafcfd6b": "What was the amount of inflows for global institutional assets in 2021?", "b141b3f2-4c91-46ff-9b34-2079fa130a3e": "How much did Ameriprise Financial, Inc. acquire from the BMO Global Asset Management (EMEA) business?", "4d4ffcb6-ca94-41ab-a8d4-f817d8017531": "What was the market appreciation (depreciation) for global institutional assets in 2022?", "938c85b9-4644-445d-83b4-dece32b0d22c": "What were the total outflows from global retail funds in 2022?", "db18dd93-ec9b-4011-b33d-0ad9c2f6c94c": "How did the legacy insurance partners' net flows change from 2021 to 2022?", "1f5809e5-9a3d-45c3-96ba-5c35ce6d1d43": "What was the total revenue for Ameriprise Financial's Asset Management segment in 2022?", "c638f822-00ea-419f-8b3f-b5323455eec6": "By how much did management and financial advice fees decrease in 2022 compared to 2021?", "47e88009-c23d-4f09-b409-df6381febd12": "What were the primary factors contributing to the decrease in adjusted operating earnings for Ameriprise Financial in 2022?", "c1f8a2cb-4672-40fc-9c07-263e9caf2041": "How did distribution fees change from 2021 to 2022 in terms of percentage?", "23dc967b-14a1-45d7-8af0-9f0d7f36b0f9": "What impact did the acquisition of BMO Global Asset Management (EMEA) have on other revenues in 2022?", "2f8c41ad-109f-4b0a-b0cc-c9efcebf0015": "What was the total amount of expenses for Ameriprise Financial's Asset Management segment in 2022?", "c8df1487-9fac-42ef-b432-b89bc934bdb4": "How much did general and administrative expenses increase in 2022 compared to the previous year?", "29796aa4-d184-4758-acee-eb067a577488": "What does \"NM\" stand for in the context of the financial results presented in the document?", "09f82a3b-2614-478f-8f64-dfb73c9b371e": "What was the change in net investment income from 2021 to 2022?", "eb976810-76ee-4395-93e2-980090448f35": "What were the main reasons for the decrease in distribution expenses for Ameriprise Financial in 2022?", "1acc557a-40b8-4e12-a6ac-7d93e5ede3b0": "What was the total revenue for Ameriprise Financial's Retirement & Protection Solutions segment in 2022?", "3a006c50-53d7-4372-9dde-94a33ca8fb82": "How much did management and financial advice fees decrease from 2021 to 2022?", "ca45f570-425a-4a48-b0d2-5b9124f97826": "What percentage decrease did variable annuity sales experience in 2022 compared to the previous year?", "43a6dc38-e9d7-47af-adc7-a8b24ce0307f": "What actions did Ameriprise Financial take regarding variable annuities with living benefit guarantees in 2021 and 2022?", "55939b2f-47f3-4120-a4c6-97b923fcfb61": "How did net investment income change in 2022 compared to 2021, and what were the contributing factors?", "c0289426-b31c-4b53-8a53-cf4034a7eef0": "What was the adjusted operating earnings for the Retirement & Protection Solutions segment in 2022?", "3b839a49-3746-41dd-bc1d-fb6187c5c871": "What trend is expected to continue regarding the mix of business for Ameriprise Financial's Retirement & Protection Solutions segment?", "a12465c3-3d94-453e-9ef0-813588271c37": "How much did distribution expenses decrease in 2022 compared to the prior year?", "50874945-ddea-4088-bf06-b20144d930cd": "What was the impact of market depreciation on variable annuity account balances as of December 31, 2022?", "ecf783f6-d48b-4fe6-9806-431f5e2a49b5": "What were the primary reasons for the decrease in distribution fees for Ameriprise Financial in 2022?", "f216ff50-fca1-4279-9043-8755c39b3da6": "What was the percentage increase in benefits, claims, losses, and settlement expenses for Ameriprise Financial, Inc. in 2022 compared to the prior year?", "87061b8b-063f-4b8c-99fe-f20a2b1e22a1": "How much did the change in fair value of market risk benefits decrease for Ameriprise Financial, Inc. in 2022?", "5fa8b6c6-982b-4baf-8011-a04f9df22395": "What were the primary factors contributing to the increase in benefits, claims, losses, and settlement expenses for Ameriprise Financial, Inc. in 2022?", "9ed60c70-25ad-4778-8b96-fdd4027b709e": "What was the pretax adjusted operating loss for Ameriprise Financial's Corporate & Other segment in 2022?", "4b11e95c-4c87-488b-b7cc-c12b410121f8": "How did the net investment income change for Ameriprise Financial, Inc. from 2021 to 2022?", "78f47501-88ce-48b1-b866-5144ac5a197a": "What impact did COVID-19 have on Ameriprise Financial's long-term care insurance segment in 2021 compared to 2022?", "403bae8c-4af9-45ce-852d-1245e068042d": "What was the decline percentage of fixed deferred annuity account balances for Ameriprise Financial, Inc. as of December 31, 2022?", "31b54a3e-7c27-43c4-b3a6-de060c138592": "What was the total revenue for Ameriprise Financial's Corporate & Other segment in 2022?", "a16a1d21-a460-43de-b876-5a1c5b0019e4": "How did the interest credited to fixed accounts change from 2021 to 2022 for Ameriprise Financial, Inc.?", "a7986b68-7de5-4b7d-8bb6-11cbccaf80e1": "What was the main reason for the decrease in net investment income for Ameriprise Financial, Inc. in 2022?", "ace67147-44e7-43c4-bef6-5a24edf5c73b": "What was the percentage increase in other revenues for Ameriprise Financial, Inc. in 2022 compared to the previous year?", "bae75a1f-c798-44f0-b608-1478030e34a8": "How much did the remeasurement (gains) losses of future policy benefit reserves increase in 2022, and what primarily influenced this change?", "7e3d1bb0-be05-4761-af08-247852559777": "What was the change in general and administrative expenses for Ameriprise Financial, Inc. in 2022, and what was the main reason for this change?", "74d57f5f-a433-4528-b4ad-b2c93c2d94e7": "What types of assets and liabilities does Ameriprise Financial, Inc. report at fair value?", "74da9284-bf97-450c-ae0b-d90902fe5372": "How does Ameriprise Financial, Inc. validate prices obtained from third parties for fair value measurements?", "ba3ef710-f884-4ea8-934d-264258dbeb35": "What is the estimated impact on future total equity if the nonperformance credit spread moves to a zero spread over the U.S. Treasury curve?", "23c2d781-8f67-4064-812d-96e955c3a92a": "As of December 31, 2023, what was the Available Capital for Capital Adequacy for Ameriprise Financial, Inc.?", "b8a859e1-d309-48b3-b4ee-1d1606bf49ff": "What were the cash and cash equivalents amounts for Ameriprise Financial, Inc. as of December 31, 2023 and 2022?", "695bf8a6-408e-4346-a2d3-25638106c9c8": "What additional sources of liquidity does Ameriprise Financial, Inc. have, and what is the maximum amount available through its unsecured revolving committed credit facility?", "a2cf405b-b48a-4dfd-915b-613ba8806689": "How much liquidity did management estimate was available to the parent company of Ameriprise Financial, Inc. as of December 31, 2023, and what does this estimate include?", "45ecbb2e-e97c-480f-8d86-a85b425ba395": "What was the amount of cash, cash equivalents, and unencumbered liquid securities held by the parent company as of December 31, 2023?", "dce0d359-d944-45e9-9c7c-1755e9ef9a94": "What types of securities predominantly make up the liquid securities mentioned in the document?", "6ee6e5a3-2a3c-4a73-9707-30192fc899dc": "How much liquidity did management estimate was available to the parent company as of December 31, 2023?", "5946ee9a-01aa-474e-aee1-da9c35601431": "What is the maximum amount that the committed credit facility can be increased to upon meeting certain approval requirements?", "ac2bb345-d5e5-41e7-b28a-5c86ab051c59": "What was the outstanding amount of letters of credit issued against the committed credit facility as of December 31, 2023?", "9f8aaf45-f0ef-474a-a032-6cccb35c17ae": "What are the names of the subsidiaries mentioned that have access to collateralized borrowings from the FHLB?", "80b43805-e5c6-4857-bdc8-0559f5682acd": "How much was the estimated maximum borrowing capacity under the FHLB facilities as of December 31, 2023?", "162e82cc-fdf1-4ce2-900d-7b21ec9bdf37": "What types of securities are used as collateral for borrowings from the Federal Reserve by Ameriprise Bank?", "c864bcd0-498d-43b8-a6c2-d779e08a93ca": "As of December 31, 2023, how much was outstanding under the FHLB facilities, and what type of securities collateralized this amount?", "785e8efc-773b-488f-9666-c23b9a812f2c": "What covenants does the credit facility contain, and what is the status of compliance with these covenants as of December 31, 2023?", "ef37a625-6034-4466-ad9b-060593f7f19f": "What was the estimated borrowing capacity from the Federal Reserve for Ameriprise Financial as of December 31, 2023?", "53d73f69-0c03-4352-b8a8-ba4c183e5b09": "What are the short-term contractual obligations for Ameriprise Financial in the year 2024?", "3cfa3be8-3632-4390-aaa3-bbfa12b8ff73": "How much did Ameriprise Financial issue in unsecured senior notes on March 9, 2023, and when are they due?", "8ed537f5-5ab0-4cd5-9663-09f96e86f411": "What tax provisions were introduced by the Inflation Reduction Act of 2022 that affect Ameriprise Financial?", "f16272fb-0025-4468-90a6-4c76ccca1b79": "What is the estimated long-term contractual obligation for insurance and annuity benefits for Ameriprise Financial after the year 2024?", "936ea04c-2aee-4146-b0ac-e4eae10fa0ab": "Which subsidiaries does Ameriprise Financial rely on for meeting its cash requirements and paying dividends?", "7666efe1-4b8b-4bf6-b512-28e4ef3046f0": "What is the significance of the corporate alternative minimum tax (CAMT) for Ameriprise Financial in 2023?", "3fb77ff4-64a5-442b-9078-9c3248c042e0": "How does the Pillar Two model rules published by the OECD impact Ameriprise Financial's tax obligations?", "d0def21d-e67e-4ec8-93a8-031e07d779d6": "What are the regulatory requirements that affect dividend payments from RiverSource Life, one of Ameriprise Financial's subsidiaries?", "162bc6a3-882a-41be-97e9-e3d546d14395": "What factors does Ameriprise Financial believe will be sufficient to fund its short-term and long-term operating liquidity needs?", "402b17c7-28d2-44a2-aa76-219dde6f8617": "What is the role of Columbia Management Investment Services Corp. (CMIS) within the organizational structure mentioned in the document?", "726e85b0-fb2d-4f12-a80a-b4fab1904bd1": "What are the requirements for RiverSource Life to pay dividends in excess of statutory unassigned funds?", "ad723ddf-49c6-4b7a-b253-a7e8392960b4": "How does the Uniform Net Capital Rule (Rule 15c3-1) affect the broker-dealer subsidiaries mentioned in the document?", "9873034e-6a69-4a14-b6ac-31ebf405bcb3": "What constitutes an \"extraordinary dividend\" according to the regulations outlined in the document?", "722097a6-9b9b-4b9c-b2e6-bbae54088616": "Which regulatory bodies oversee Ameriprise Bank, and what are their roles?", "0923c6b7-572c-4461-8e19-5ab131b75561": "What minimum net capital requirement must AEIS and AFS meet under the Uniform Net Capital Rule?", "c10c333d-b5bb-461f-9c74-5e49701b6897": "How does the Basel III capital framework influence Ameriprise Bank's capital requirements?", "b6fdeaf2-322c-44f3-b0d7-06b8da0c5f5a": "What potential consequences might a broker-dealer face if it falls below the minimum net capital requirements?", "2bf60b69-b0f0-4c94-8c7d-a9dd66e606f3": "What is the significance of advanced notice to the Minnesota Department of Commerce (MN DOC) regarding dividend payments?", "28c5c63b-cbd4-49f5-8352-4ae1aaa42138": "What are the capital ratios that Ameriprise Bank must maintain according to the regulations mentioned in the document?", "1f0824a2-5a72-4d56-9e5a-7f2227f7d774": "What regulatory framework allows Ameriprise Financial to exclude AOCI from its capital calculations?", "b76bdd7d-5270-48fd-9c89-f578217cf4d0": "Under which act is ACC registered as an investment company?", "3fda41fc-77ca-46cb-a39b-fd69081a0b0c": "What are the capital requirements for Columbia Threadneedle Investments UK International Ltd. based on?", "49aeb72c-6c5b-4f7c-ada6-7a950ca019a1": "As of December 31, 2023, what was the actual capital for RiverSource Life?", "2ea805be-5489-4a67-b034-048392bb6c9e": "What is the significance of the Federal Reserve Board's final rule effective January 1, 2024, for Ameriprise Financial?", "ba5e7375-e3fd-4d53-8a79-19e0b5479c32": "How does ACC ensure compliance with capital requirements set by the Minnesota Department of Commerce and the SEC?", "9ba98c21-f509-4f7d-b8ef-25bb44c64bad": "What is the relationship between actual capital and regulatory capital requirements for Ameriprise Bank, FSB as of December 31, 2023?", "1cc48bc4-fd2d-456e-bcb3-5a6f11caa67a": "What does the term \"Building Block Approach\" refer to in the context of Ameriprise Financial's capital framework?", "189cbd24-2fba-44fe-a4f9-a03876c26c12": "How are the actual capital and regulatory capital requirements for TAM UK International Holdings Ltd. and Columbia Threadneedle Investments UK International Ltd. reported?", "4b1d9ac8-04a6-4d9e-8cbf-4c884f83c16a": "What factors does Ameriprise Financial consider when determining dividend payments and capital contributions from subsidiaries?", "cfb80221-9118-4a31-bc6e-51ab1a635e26": "What were the total dividends paid by Ameriprise Financial, Inc. to its shareholders for the year ended December 31, 2023?", "ba9bbb56-5a9e-4cd9-afa8-1d9e76b764f0": "How much did RiverSource Life pay in dividends for the year ended December 31, 2021?", "283e4498-8806-4f57-a3a2-b6323ceb109d": "What is the total amount remaining under the share repurchase authorization as of December 31, 2023?", "974da1d9-bc18-4b64-a708-6a087a655b5f": "In which year did Ameriprise Financial, Inc. authorize a share repurchase program of up to $3.0 billion?", "c75f69d4-8419-4599-b1ae-b09c2a781113": "What was the average price per share for the common stock repurchased by Ameriprise Financial, Inc. during the year ended December 31, 2023?", "fc66eb03-6a8d-4866-be9e-2de353cb1bd2": "What are the names of the subsidiaries listed in the dividends table for Ameriprise Financial, Inc.?", "960b239c-2908-4d39-9611-c210b5f79402": "What significant agreement did RiverSource Life establish in 2009 regarding its exposure to Genworth Life Insurance Company?", "f06149dc-1fd9-4977-917b-f0863bfaf953": "How much did Ameriprise Bank report in dividends for the year ended December 31, 2022?", "da72953b-0c7d-45f6-9bb9-6e42f7b06ae1": "What was the total amount of dividends paid or return of capital to the parent holding company for the year ended December 31, 2022?", "f7cd2406-4db5-456b-b9de-dcc7d081c150": "When is the quarterly dividend of $1.35 per common share announced on January 24, 2024, scheduled to be paid?", "bfc7a02d-5501-4389-ab55-cc15855f46ce": "What amount was authorized by the Board of Directors for the share repurchase program in July 2023?", "77a15766-005a-46ba-92be-6578ef30cb75": "As of December 31, 2023, how much funding remains under the share repurchase authorization?", "8040f13b-9656-46a5-b08f-1cf5f49f3b26": "What methods does the company intend to use to fund its share repurchases?", "e9bbd238-ca99-42ba-8e5c-72d65564c02c": "Is there a minimum number of shares that must be purchased under the share repurchase program?", "f91cad4d-b564-470d-a135-cad2a704fd51": "How many shares of common stock were repurchased during the year ended December 31, 2023?", "9cedf891-cff2-4142-926f-a84538ec2bf5": "What was the average price per share for the repurchased common stock in 2023?", "ae240a12-cb32-4cf6-b14e-c905960a2fef": "How are cash flows from CIEs reflected in the company's financial statements?", "93874134-b1fc-4623-8c08-72871fefaf2a": "What is the status of cash held by CIEs in relation to Ameriprise Financial's general use?", "e241a1b6-4efe-4a51-92c6-eba5185faecb": "What regulations govern the cash and cash equivalents segregated for brokerage customers?", "7639ec09-b205-4f3d-a3b4-cd770aebe17b": "Can share repurchases be suspended at any time, and what factors might influence this decision?", "ce690584-bbdb-4a3f-a948-89d32316f1ae": "What was the increase in net cash provided by operating activities for Ameriprise Financial, Inc. in 2023 compared to the previous year?", "02f0e8d2-b4ff-48a6-94a6-c6f729fbf031": "What factors contributed to the higher investment income reported by Ameriprise Financial, Inc. in 2023?", "614c847f-3974-47be-b7b3-1df0eab75c9b": "How did net cash used in investing activities change for Ameriprise Financial, Inc. from 2022 to 2023?", "bca60fe5-0203-4e98-ae04-bc26bc12e18e": "What was the primary reason for the decrease in net cash provided by financing activities for Ameriprise Financial, Inc. in 2023?", "95891b2b-ce30-4e09-bf68-128d32b47dd1": "What are some examples of forward-looking statements mentioned in the report for Ameriprise Financial, Inc.?", "1e06ff74-1a5f-4982-9a04-d0ea3ed4f839": "Which expressions are used to identify forward-looking statements in the Ameriprise Financial, Inc. report?", "a992618f-db0a-4e26-91a4-41a2f112eff0": "What risks and uncertainties could affect the forward-looking statements made by Ameriprise Financial, Inc.?", "dcbc9ef8-5ffd-47b9-8886-2ec4e28ce684": "How did the proceeds from maturities, sinking fund payments, and calls of Available-for-Sale securities impact Ameriprise Financial, Inc.'s investing activities in 2023?", "34d3a078-757f-4bb7-ab22-f39f82849878": "What strategic outcome is mentioned regarding Ameriprise Financial, Inc.'s withdrawal of its application to convert Ameriprise Bank?", "61d06cba-db2c-4aa9-a996-d2b9bcbb6c66": "What impact do rising interest rates have on Ameriprise Financial, Inc.'s investment portfolio yield according to the document?", "21d42c4f-e4ca-4a68-af74-a3bd625b4421": "What are some of the risks associated with Ameriprise Financial, Inc. regarding future policy benefits and claims?", "ea658e36-128a-4a5b-857e-0ac450fd0969": "How does Ameriprise Financial manage its market risk exposures?", "8676e102-a1cb-4abc-8760-e4f4552aa630": "What factors could potentially damage Ameriprise Financial's reputation?", "4ca9aec8-c52a-4968-8088-c03e7fe8b4f2": "What types of risks are highlighted in the document related to Ameriprise Financial's international operations?", "b77f1042-c944-4c94-a0cb-92e20ff7d61f": "How does Ameriprise Financial address the potential impacts of climate change on its operations?", "136160f9-2b9d-4e86-a238-ac59a8018d55": "What are the primary market risk exposures identified by Ameriprise Financial?", "1300f669-f1f4-46ad-b202-0242da89a27b": "What methods does Ameriprise Financial use to perform sensitivity testing for interest rate and equity price risk?", "48448d60-5848-4053-bbaa-612bec0a5ba2": "What is the significance of the hedging program mentioned in the document for managing market risk benefits?", "03075eed-e2ec-4776-9720-fa0d5c45e66f": "How does Ameriprise Financial's management approach the identification and mitigation of risk exposure?", "ee283c7b-e05e-46a3-b97a-233d8ad45869": "What obligations does Ameriprise Financial have regarding the updating of forward-looking statements?", "9e185464-6626-4a5b-9bc9-002d761ed4e8": "What are the primary first order sensitivities managed in the hedging program described in the document?", "54ef4c2e-3258-4708-ac0d-686190e72235": "How does the hedging program evaluate interest rate risk?", "19551823-dbff-4fe1-b71c-0038dbd727ec": "What hypothetical scenarios are used to test the impact on pretax income from interest rate and equity price changes?", "b9f6f95b-04a1-4082-81b8-be80862d479a": "What is the assumed change in the yield curve for the interest rate risk test?", "4f354b3a-1221-4a95-94e2-c24973213c7e": "How is the equity price risk test structured in terms of equity price changes?", "5ca13a80-2f7b-4931-820b-362152a470e6": "What financial instruments are utilized in the hedging program to manage risk exposures?", "488e4449-fcdc-4c04-9515-39c3e4d6f49c": "How frequently are the exposures measured and monitored in the hedging program?", "d6eef191-d48a-4531-9425-ea98ae6c3dd7": "What assumption is made regarding implied market volatility during the equity price risk test?", "d7fc230c-fe4e-498d-9448-85ea8afc367c": "What is the duration of the period over which the sensitivity testing is conducted?", "7d19be13-c359-4784-acf6-d51516fa311e": "What types of financial products are mentioned in relation to the estimation of values in the document?", "8a6eb7ed-9796-4967-a9a6-97e4be994f3b": "What is the estimated net impact on pretax income for Ameriprise Financial, Inc. due to a 10% equity price decline as of December 31, 2023?", "77f18860-54bf-49e7-98f3-43d14a4d9c4f": "How does the hedge impact affect the variable annuity and structured variable annuity benefits in the event of a 100 basis points interest rate increase?", "a437cf45-3a30-4f10-819d-4d7240e5aea2": "What was the total net impact on pretax income from asset-based management and distribution fees for the year ending December 31, 2022, following a 10% equity price decline?", "17d3f5b5-a461-4665-af61-7244415d99be": "What are the specific components of variable annuity benefits that contribute to the net impact on pretax income when there is a 10% equity price decline?", "b50c3b7c-db02-48df-94e6-3aaa999316a0": "How much does the indexing feature for structured variable annuities contribute to the net impact on pretax income in the scenario of a 100 basis points interest rate increase as of December 31, 2023?", "b819c00d-c918-45c9-b8bb-bc552ce38b6e": "What was the total net impact on pretax income for IUL insurance as of December 31, 2023, in the context of a 10% equity price decline?", "cf2190a2-56da-46fc-b741-db40c57b4ece": "Compare the net impact on pretax income from variable annuity benefits between December 31, 2023, and December 31, 2022, under a 10% equity price decline.", "847df947-9158-416b-b33d-6789dd8eb60e": "What is the total pretax income exposure from fixed annuities, fixed insurance, and fixed portion of variable annuities and variable insurance products when interest rates increase by 100 basis points?", "834829ad-d8d6-4cef-81c1-cc283b9cd3a5": "How does the hedge impact change the overall net impact for Ameriprise Financial, Inc. when considering both equity price decline and interest rate increase scenarios?", "e534e264-95ee-4f90-ac73-47475d4afc5c": "What was the total net impact on pretax income for Ameriprise Financial, Inc. from all sources combined as of December 31, 2022, following a 10% equity price decline?", "5a529a4d-f530-4e3e-94e9-fcdba2d1f6e3": "What is the estimated net impact to pretax adjusted operating income for Ameriprise Financial, Inc. as of December 31, 2023, due to a 100 basis point interest rate increase?", "314d510a-90ee-4f27-b785-70d2a499cbc1": "How does a 10% decline in equity prices affect the variable annuity market risk benefits for Ameriprise Financial, Inc.?", "caac92d7-4c42-4e4e-aaeb-ad93326e2240": "What are the primary sources of revenue for Ameriprise Financial, Inc. as mentioned in the document?", "727f4496-e1a3-4113-b7ec-6a640c1e5e0c": "What is the total contract value of all variable annuities for Ameriprise Financial, Inc. as of December 31, 2023?", "f6ee53ab-feb4-4fc7-aae0-1593ec83df10": "How does Ameriprise Financial, Inc. hedge its equity price risk associated with variable annuities?", "d05d9670-80d8-4c98-be86-2f39e9929331": "What is the impact of a 100 basis point interest rate increase on asset-based management and distribution fees for Ameriprise Financial, Inc.?", "3f2dc491-0626-4273-9c5f-cc1276c3e10b": "What assumptions are made regarding implied market volatility in the context of the interest rate increase and equity price decline scenarios?", "999a82df-13b8-4637-90dd-1dda1ae580af": "What is the total net impact on pretax income for Ameriprise Financial, Inc. after considering hedge impacts from the interest rate increase?", "3e92b739-bc15-4547-9395-7528a847f941": "How does the valuation of liabilities differ from the hedging basis for Ameriprise Financial, Inc.?", "a99b9aaf-ced3-4a28-bde7-e4b38ba1b38e": "What types of derivative instruments does Ameriprise Financial, Inc. use to hedge against equity price risk?", "63dfcc25-42de-41e0-a361-e32b2210cab1": "What financial instruments does Ameriprise Financial use to hedge interest rate exposure?", "6e5b71bb-803c-4fe5-91ff-7c3be9dae46f": "How does an increase in interest rates affect the fair value of Ameriprise Financial's liabilities?", "27763592-08a9-49c1-836a-5e0fceaef691": "What is the total amount of liabilities related to structured variable annuities as of December 31, 2023?", "e89be30f-d0f9-4b4a-8fc9-bed06ea23b7b": "How does equity price risk impact the earnings from structured variable annuities at Ameriprise Financial?", "67caa691-1897-477e-a864-3f94a315d404": "What are the implications of interest rate changes on the embedded derivative liability associated with structured variable annuities?", "df0f7e84-a9f5-4b3c-bba1-2a37a1cf2bd9": "How does the spread between investment income earned and credited rates affect Ameriprise Financial's earnings from fixed annuities?", "bcae9f55-baef-4c5a-a51a-dba05c141a62": "What is the total amount of policyholder account balances related to fixed deferred annuities, fixed insurance, and the fixed portion of variable annuities as of December 31, 2023?", "c8e7695c-e5fb-4b1d-8b40-166122b0fba1": "Why does Ameriprise Financial not hedge the interest rate risks associated with structured variable annuities?", "1b08f1da-9538-4f16-bf32-360b7adf333a": "What is the weighted average yield of non-structured fixed maturity securities and commercial mortgage loans as of December 31, 2023?", "de9b0f7e-9c73-4db6-9b03-09a8f23f263b": "How do guaranteed minimum interest rates (GMIRs) influence the crediting rates to clients in an increasing interest rate environment?", "ef747cd0-8969-4255-9015-90af0dd63ff7": "What is the carrying value of non-structured fixed maturity securities and commercial mortgage loans as of December 31, 2023?", "3c01657c-f947-4125-b1c4-4ce8b0c5916c": "How does the current market environment affect the portfolio income yields mentioned in the document?", "e3177eb7-9fdf-4b1f-a891-f834f5c9a731": "What is the weighted average yield of residential mortgage-backed securities as of December 31, 2023?", "4fb00635-95e7-473d-a750-401d995410e6": "What factors may impact the investment yield according to the document?", "f3d10361-a08b-4c60-9540-6dfbb1351841": "What was the average yield for investment purchases during the year ended December 31, 2023?", "55b97f5a-e27a-4af7-a696-c1466a0cf7cb": "How does prepayment risk relate to residential mortgage-backed securities in a low interest rate environment?", "8693b3c7-4af7-47ad-b865-0777590a1c0c": "What strategies may influence reinvestment activities and associated investment yields?", "07cebefa-9b80-4292-8528-372ac2ce83eb": "What is the expected trend for portfolio income yields in future periods under the current market conditions?", "e1f0138d-7a68-4948-b417-cb44b633f2b7": "How does the document describe the potential use of investments that could be subject to reinvestment risk?", "57b6504d-8133-48bc-b335-77f4d173f5cd": "What framework is used to assess reinvestment risk in the investment portfolio?", "0d794e92-bad1-48c0-b98d-9863b8db08aa": "What types of financial products does Ameriprise Financial, Inc. offer that are mentioned in the document?", "3081117b-ddd2-40f6-bf33-4ef31816f501": "As of December 31, 2023, what was the total amount of customer deposits related to fixed rate certificate products?", "eba3f3d4-f493-4768-9f7a-85363a4a6526": "How does Ameriprise Financial manage interest rate risk associated with their investment certificates?", "807becb2-5366-4b88-b774-8a06a1e15466": "What is the relationship between Indexed Universal Life (IUL) insurance and the performance of specified indices?", "8787663a-1685-4f37-a8f3-0f766db6e1fe": "What are the two main risks related to interest rates mentioned in the context of IUL insurance?", "e9ba3529-06df-47e0-8daa-b84f181a33a5": "How does Ameriprise Financial mitigate foreign currency risk associated with its operations in foreign countries?", "6e7f75a6-94a5-4bd4-85aa-2af9d9d4ff12": "What was the notional value of outstanding foreign currency forward contracts as of December 31, 2023?", "198b16b1-c907-451f-8449-17af4fa3d51f": "What is the credit risk associated with Ameriprise Financial's investment portfolio?", "2b876377-e6e2-4fc8-9dc8-0e3c9b4eccc3": "How does the interest rate paid on banking deposits and brokerage client cash balances relate to prevailing economic conditions?", "456e33da-cab2-4ffa-a586-ba604548986d": "What is the significance of the $3.4 billion in senior unsecured notes mentioned in the document?", "bc525242-0771-4da1-9268-4c4f366e79c4": "What types of currencies does the document mention in relation to foreign operations exposure?", "421f04dc-6636-4b0a-ae82-6b30da8c08cd": "How does the company mitigate foreign currency risk according to the document?", "8764936d-bb5d-44b3-9dc0-af6c1b23a083": "What is the notional value of the outstanding foreign currency forward contracts as of December 31, 2023?", "89b2c09a-3a0c-420a-a286-b8193ce26e9b": "What is the total amount of the company's senior unsecured notes mentioned in the document?", "e357d175-1ce5-4e4d-9075-ee4649c30db4": "What type of risk is associated with the company's investment portfolio and loan portfolio?", "875b426a-f6e0-4fd2-aaeb-e3b0085312d3": "How does the company assess credit risk related to its counterparties?", "79a6a00f-52fa-4cf7-b0ba-079fdf47539f": "What program is mentioned in the document for managing credit risk?", "d6e20246-613d-4784-83e8-2bf0e24cba25": "What role does senior management play in the oversight of credit risk according to the document?", "a554f764-4103-4cc4-a4cc-88a73ddaf755": "What is the significance of the fixed interest rates on the company's senior unsecured notes?", "d7ba8d2c-6d73-47a9-bdcc-9917061974f1": "How does the company ensure compliance with credit guidelines when entering into transactions?", "3b1b5852-8809-4eaa-8295-7054c6c099e1": "How does Ameriprise Financial manage the risk of credit-related losses from counterparties' nonperformance?", "f8a1f018-9a13-4aea-b547-7a2063438bd7": "What strategies does Ameriprise Financial employ to limit exposures to lower-quality investments?", "f000e21d-31d3-48c3-97d5-2dfb377ec491": "What is the significance of collateral arrangements in managing credit risk related to over-the-counter derivatives?", "7b978c6c-8bf7-445a-8550-6e2c48a29538": "How does the central clearing party mitigate credit exposure for centrally cleared over-the-counter derivatives?", "6f3bf127-f8d0-48a0-9295-1fedd2108bc3": "What are the characteristics of exchange-traded derivatives that reduce credit-related losses for Ameriprise Financial?", "37f1b6de-07e2-4185-8a16-6fcbfef0afe3": "How does Ameriprise Financial evaluate the financial condition of reinsurance counterparties before entering into treaties?", "c3087528-6f16-416f-a896-1a322a8e154d": "Which companies represent the largest reinsurance credit risks for Ameriprise Financial as of December 31, 2023?", "004fa059-7893-4018-a142-1c933968ad10": "What role does daily settlement of mark-to-market play in managing credit exposure for exchange-traded futures?", "deb470fa-4e9f-4ec3-87dc-a09678d798ae": "How does Ameriprise Financial diversify its exposures to manage credit risk effectively?", "d147a4df-310a-4b2b-951d-c63c79cda51d": "What are the potential consequences of adverse cyclical economic downturns on Ameriprise Financial's credit risk management?", "b24005b8-9a8e-484a-a46a-74c4230b8357": "What is the purpose of the report provided by the Independent Registered Public Accounting Firm for Ameriprise Financial, Inc.?", "108c35ca-62b1-47a8-ade7-e63eeb12272f": "Which years are covered in the Consolidated Statements of Operations for Ameriprise Financial, Inc.?", "1a58b495-ef79-42c1-9ff3-f11d7075fdf2": "What significant accounting policies are summarized in the document?", "b381197d-ea5f-43b0-8cc2-80dcd9d71307": "How are variable interest entities addressed in the financial statements of Ameriprise Financial, Inc.?", "f8c37ae0-e1bc-4594-8ef6-b1b46877f805": "What information is included in the Consolidated Balance Sheets for December 31, 2023, and 2022?", "8cddfbf3-1965-43df-a5b7-74c2a74e1515": "What are the key components of the Consolidated Statements of Cash Flows for the years ended December 31, 2023, 2022, and 2021?", "2ad55285-5085-4448-8e00-f8d9481c585a": "What does the section on \"Goodwill and Other Intangible Assets\" discuss in the context of Ameriprise Financial, Inc.?", "f169bf06-76a5-43f9-ba00-1ee17b9f2ff4": "How does Ameriprise Financial, Inc. report its earnings per share according to the document?", "7ae5a811-4f54-402a-a6e1-2bd133f39bd9": "What are the regulatory requirements mentioned in the financial statements of Ameriprise Financial, Inc.?", "838723c7-ad01-4bca-b973-c2f706b25553": "What types of commitments and contingencies are outlined in the document for Ameriprise Financial, Inc.?", "62298f58-2d86-4926-ba63-6dbc1234feae": "What is the primary responsibility of the management of Ameriprise Financial, Inc. regarding the consolidated financial statements?", "657dc7f9-10d2-42e5-9aec-6de3151a375c": "As of which date did the audit of Ameriprise Financial, Inc.'s internal control over financial reporting take place?", "5c093d34-6ca3-4c8f-9150-6828f238165f": "What significant change in accounting principle did Ameriprise Financial, Inc. implement in 2023?", "68cf8872-d1e0-48d8-a565-084b13c287ae": "Which framework did the auditors use to assess the effectiveness of internal control over financial reporting for Ameriprise Financial, Inc.?", "74c357f2-9164-4cc5-9bb5-fd19d1627204": "What are the three main components of internal control over financial reporting as defined in the document?", "09ffb2f8-2e41-45a9-a628-d12ce21fb658": "What is the opinion of the independent registered public accounting firm regarding the financial position of Ameriprise Financial, Inc. as of December 31, 2023?", "54a2ac34-c513-48d1-b97b-da1703d8475b": "What auditing standards did the independent registered public accounting firm follow while conducting the audits for Ameriprise Financial, Inc.?", "ef4c7e0c-2189-4f57-9121-7a4b1837ed9b": "What does the term \"material misstatement\" refer to in the context of the audits conducted on Ameriprise Financial, Inc.?", "6a1de919-e3a6-4e42-80bc-13410c5af00b": "How does the document describe the limitations of internal control over financial reporting?", "5bfa855a-c6fd-42d0-bcaa-b57ff03e1c46": "What is the role of the Public Company Accounting Oversight Board (PCAOB) in relation to the independent registered public accounting firm auditing Ameriprise Financial, Inc.?", "2fb0915b-9f25-4f23-932b-fcebb9b28031": "What is the primary purpose of a company's internal control over financial reporting?", "a96ff754-fb9b-43ca-9657-8df23f14d454": "What are the three key components included in a company's internal control over financial reporting?", "f3ff78cc-b471-4532-92c1-edfa7cce5155": "How does internal control over financial reporting provide assurance regarding the reliability of financial statements?", "3df4cb1e-1a40-434e-ba06-ae5a1a9adfb4": "What limitations are inherent in internal control over financial reporting?", "7bfcad9d-0d5c-4f09-92c4-f9d01b770ea8": "In what ways can internal control over financial reporting fail to prevent or detect misstatements?", "545cf11c-3f5b-44ef-8140-151017d36058": "What role do management and directors play in the internal control process according to the document?", "3f26dc82-0fc1-4f89-8836-ce6f990d5fd4": "How does the document describe the relationship between internal controls and the authorization of transactions?", "661e59ac-6a52-4b31-9e80-7672723bfba4": "What risks are associated with projecting the effectiveness of internal controls to future periods?", "be84c388-5bb6-403e-bc91-c1d2c3efaea0": "Why is it important for a company to maintain records that accurately reflect transactions and asset dispositions?", "bf072216-1a81-4b7a-8c5e-ab218ae12694": "What could potentially lead to the deterioration of compliance with internal control policies or procedures?", "de74a258-44f4-4c05-b176-2566fc8466f3": "What are the critical audit matters communicated in the current period audit of the consolidated financial statements?", "ab5a7083-9c39-4d15-a8ba-f579fb254532": "How are market risk benefits defined in the context of the consolidated financial statements?", "735a773c-dca5-44ae-9ce0-177efcf9b04c": "What significant assumptions does management use to develop the fair value measurements of market risk benefits?", "5eddf32a-48f7-46df-9dfb-be67187ff8f2": "What was the market risk benefits asset and liability as of December 31, 2023?", "2e555f61-46c8-4632-96d0-3e47840c1de6": "What challenges did auditors face when evaluating the valuation of market risk benefits?", "5af0ac8a-b6af-4d46-b85e-e8b9745fdc72": "What changes were made to the accounting for long-duration insurance contracts with the adoption of the new accounting standard?", "eab3e0f0-99b0-4e30-8636-62e25e3d1c96": "How did the adoption of the new accounting standard for long-duration insurance contracts impact total equity as of January 1, 2021?", "4e852977-4b69-41d9-9403-06cfbec21759": "What adjustments were made to retained earnings and accumulated other comprehensive income upon the adoption of the new accounting standard?", "1ce7663d-bd61-4fe7-b036-4a50e69d6ad2": "How did the adjustments from the new accounting standard affect net income for the years ended December 31, 2022, and 2021?", "125a53a6-0538-470e-8805-3c21708e4c4b": "What role did professionals with specialized skill and knowledge play in the audit procedures related to market risk benefits?", "a0a82159-382c-440e-8d61-d77eba906b8e": "What was the total equity reduction as a result of the adoption impact on January 1, 2021?", "71450771-d6b4-4140-9492-2abaa1bcd634": "How much did the adjustments to prior period amounts increase total equity as of December 31, 2022?", "80cdfb84-b56c-4ec8-a016-073f39b35a25": "What discount rate methodology is used for remeasuring the liability for future policy benefits?", "58587744-bb6b-43cf-bfd6-71cd354ccf13": "What are the significant market risk benefit assumptions mentioned in the document?", "c5dd61b1-d4b3-43f0-a2d4-c547089634b1": "As of December 31, 2022, what were the amounts for market risk benefits assets and liabilities?", "e71271e4-01a3-4e5f-ba39-e11232a6b2a5": "Why is the adoption of the new accounting standard for LDTI considered a critical audit matter?", "e3f7c260-1953-4a34-9eef-eb2e0dea7d4d": "What is the significance of the discount rates being locked in annually or quarterly for different products?", "f0db38bb-805b-4613-ae25-94115bc68e2e": "What were the increases to net income for the years ended December 31, 2022, and 2021, respectively?", "6fff9be5-8f7e-4a75-b004-5d3d06232bfd": "What role do professionals with specialized skills and knowledge play in the audit effort related to LDTI?", "1422c3b2-af83-485f-b155-6cb016f9f612": "What factors contribute to the high degree of auditor judgment and subjectivity in evaluating audit evidence for LDTI?", "f784a8a3-bcc3-4dda-8012-453b7e5629fe": "What new accounting standard is being adopted by management as mentioned in the document?", "27305593-4999-44bc-bc33-fb12976d0314": "What specific controls were tested related to the adoption of the LDTI standard?", "f6832d35-3e5b-429e-907b-c0827a75289c": "How does management determine the transition date adjustments according to the procedures outlined?", "831d00db-fc17-4d1f-8e1a-bfa70292e745": "What type of external data is evaluated for reliability in developing the discount rate curve?", "565d3f6d-dba3-4764-86b1-9c19a28d38bb": "What aspects of the significant market risk benefit assumptions were tested for completeness and accuracy?", "a91aa887-f23a-41b9-94be-3d12bde2643d": "Who assists in evaluating the appropriateness of the discount rate methodology and the reasonableness of the discount rate curve?", "63e1b2a6-d492-40a0-9267-83335811e4cd": "Since what year has PricewaterhouseCoopers LLP served as the Company\u2019s auditor?", "a7e6b467-036e-451e-8c33-57bd7b59cd4e": "What factors are considered in evaluating the significant market risk benefit assumptions used for fair value determination?", "978dc177-0bf0-4009-a0bd-3119102206ca": "What is the purpose of testing the effectiveness of controls in the context of the LDTI standard adoption?", "21222c3e-e996-4233-a939-5d85beb92dc5": "What is the overall opinion being formed regarding the consolidated financial statements based on the audit procedures?", "de96fd54-5ed5-439f-8b1f-4e0c1de3f7a5": "What were the total revenues for Ameriprise Financial, Inc. in the year ended December 31, 2023?", "fe2309d1-aec0-45bd-8a8c-81ff6724c39e": "How did the net income for Ameriprise Financial, Inc. in 2022 compare to that in 2021?", "f884f6b1-3704-4b12-9d92-666b8dc1a224": "What was the amount of management and financial advice fees reported by Ameriprise Financial, Inc. for the year 2023?", "dddcefaa-0bc7-4d33-b421-4adb62d1d39b": "What are the earnings per share (diluted) for Ameriprise Financial, Inc. in 2023?", "bbd5f009-34d5-4406-b374-ded150506c87": "Which category of benefits and expenses saw a significant increase from 2022 to 2023?", "555da5bc-b53d-45ea-9f7e-061272dfdd77": "What was the income tax provision for Ameriprise Financial, Inc. in the year ended December 31, 2021?", "1c2f75d0-2edd-42c2-96c4-3c692101d8d5": "How much did Ameriprise Financial, Inc. report in net investment income for the year 2022?", "c107d997-9bc6-4bb7-8129-bd9ffd6c1527": "What was the total amount of distribution expenses for Ameriprise Financial, Inc. in 2023?", "d2bc8b91-73a9-4702-be94-fd43208a9438": "How did the interest credited to fixed accounts change from 2021 to 2023?", "c84e8a6c-b406-4c97-a42a-eef48f3a2355": "What was the pretax income for Ameriprise Financial, Inc. in the year ended December 31, 2022?", "4940e678-ad6c-48dc-b328-72e115ea9cde": "What was the net income for Ameriprise Financial, Inc. in the year 2023?", "56971b23-2d46-4c9c-ab54-d2fdc71313d3": "How did the net unrealized gains (losses) on securities change from 2022 to 2023 for Ameriprise Financial, Inc.?", "95036d39-2bc1-4495-b4c9-ce94d844aa32": "What is the total comprehensive income (loss) reported by Ameriprise Financial, Inc. for the year 2022?", "6b30e070-7aa2-4464-ab1e-0d104a8ab537": "Which category showed a significant loss in other comprehensive income for the year 2022?", "7fee374d-db1d-4e2d-aeb2-c5f366412268": "What was the effect of changes in discount rate assumptions on certain long-duration contracts in 2023?", "a1749480-8fc0-416d-8304-53d2180f2265": "How much did Ameriprise Financial, Inc. report in defined benefit plans for the year 2021?", "dd321e44-608c-4e29-b637-ac67ed0e0ef2": "What was the total other comprehensive income (loss), net of tax, for Ameriprise Financial, Inc. in 2023?", "a49daeaf-2bbe-4ee3-a041-333cc47f9c11": "In which year did Ameriprise Financial, Inc. experience a foreign currency translation adjustment loss?", "934acb57-1f2b-42fc-943b-9a0ba1bb0d11": "What adjustments were made to prior period amounts as noted in the document?", "a4ec029d-c479-468f-946e-b6a867103d74": "How did the total comprehensive income (loss) for Ameriprise Financial, Inc. in 2023 compare to that in 2021?", "7ef8e38d-e0c8-4230-b672-2a2ed48e637f": "What was the total assets value for Ameriprise Financial, Inc. as of December 31, 2023?", "cc27b880-0827-4636-ad1e-61fc30f3e0ab": "How much did the cash and cash equivalents increase from 2022 to 2023 for Ameriprise Financial, Inc.?", "c3152d9b-0171-48c0-9261-3b46c2f83c9c": "What is the allowance for credit losses for investments in 2023 according to the consolidated balance sheets?", "02f5dd2c-140f-4649-8e66-5542f6c130f9": "What are the total liabilities reported by Ameriprise Financial, Inc. for the year ending December 31, 2023?", "8a71d2c9-9ccd-41dd-80ad-9338c9e5a996": "How many common shares were issued by Ameriprise Financial, Inc. as of December 31, 2023?", "8e532185-14b7-44bc-8685-ec94a5eab3a9": "What was the change in retained earnings from 2022 to 2023 for Ameriprise Financial, Inc.?", "a7fc7ed8-28c8-4c0b-988d-c3aaa8228961": "What is the total equity for Ameriprise Financial, Inc. as of December 31, 2023?", "781159b7-c7c6-4946-a869-50b7136cc4aa": "How much did the market risk benefits decrease from 2022 to 2023 for Ameriprise Financial, Inc.?", "f2eb9086-4dd4-4df2-8d6a-1ea5bb4a6362": "What is the value of customer deposits reported in the consolidated balance sheets for 2023?", "d96d9abe-5c27-4ce6-8df7-32ac2f048e02": "How much did the treasury shares at cost increase from 2022 to 2023 for Ameriprise Financial, Inc.?", "a6c93b38-446f-4fd0-b2b1-3e5049ba33a3": "What was the total number of outstanding shares for Ameriprise Financial, Inc. as of December 31, 2023?", "a818b460-889c-4baa-8d0b-0ca515ececfb": "How much did Ameriprise Financial, Inc. report in retained earnings at the end of 2022?", "45d685bb-1aa5-41c9-8729-cfaca802d431": "What was the net income for Ameriprise Financial, Inc. in the year 2021?", "bbe7fd63-6aa8-46a6-b588-28982fd12113": "How much did Ameriprise Financial, Inc. pay in dividends to shareholders in 2022?", "d0efa91a-823b-481f-97f9-c30b4ff74cc2": "What was the cumulative effect of the adoption of long-duration contracts guidance on retained earnings in 2021?", "ea00870d-b02d-4ac5-8760-e9968c9f5248": "How many common shares were repurchased by Ameriprise Financial, Inc. in 2023?", "d601370f-d3d8-4eae-a254-6190438d6b70": "What was the amount of accumulated other comprehensive income (loss) for Ameriprise Financial, Inc. at the end of 2021?", "af1c2cb4-59af-424d-8991-585d58e579b5": "How much additional paid-in capital did Ameriprise Financial, Inc. have as of December 31, 2023?", "c6851b19-d000-4d51-ad1b-3736e9bc5888": "What was the total comprehensive income (net income plus other comprehensive income) for Ameriprise Financial, Inc. in 2022?", "cc193428-fe87-4aa3-ba88-d22ae9f2dbf6": "How did the number of outstanding shares change from January 1, 2021, to December 31, 2023?", "e87ff449-95de-4a3b-83df-35d50919ee79": "What was the net income for Ameriprise Financial, Inc. in the year ended December 31, 2023?", "96306d64-3568-4573-a76b-572499e6b6a3": "How much did Ameriprise Financial, Inc. spend on share-based compensation in 2022?", "fb33a003-3153-4b7b-844e-299dd9e18a48": "What were the cash flows from operating activities for Ameriprise Financial, Inc. in 2021?", "704e88c7-1fc6-4bae-987f-553ea7e004ac": "In the cash flow statement, what was the total amount of net cash used in investing activities for the year ended December 31, 2023?", "a0a119c3-7373-4b9b-9438-b761830cfc17": "How did the net realized investment gains and losses change from 2021 to 2022 for Ameriprise Financial, Inc.?", "d2bb38db-87bd-47a2-a313-f3f4bf043034": "What adjustments were made to reconcile net income to net cash provided by operating activities in 2023?", "3dae4571-6da0-4e36-8184-d43b8d52031e": "What was the amount of cash provided by (used in) operating activities for Ameriprise Financial, Inc. in 2022?", "38cab609-b7e7-40ff-a531-4371fb690cb5": "How much did Ameriprise Financial, Inc. receive from the proceeds of sales of available-for-sale securities in 2023?", "3f16b278-c967-4c4c-8e05-5ff16750e68a": "What was the total cash paid for the acquisition of business, net of cash acquired, in 2022?", "efe24e01-1f39-4a1e-bede-c9059b875c07": "How did the changes in operating assets and liabilities impact the cash flows from operating activities in 2023?", "6ab73e2f-4358-4e6c-a16d-498899cc6d98": "What were the total proceeds from additions to investment certificates for the year ended December 31, 2023?", "84ae29aa-a77a-44db-b7fb-1687e21be665": "How much did Ameriprise Financial, Inc. pay in dividends to shareholders in 2022?", "fd8ebd38-23cf-44af-b4bd-372176641af5": "What was the net cash provided by (used in) financing activities for the year ended December 31, 2021?", "efd1c907-becb-46ad-99ba-0ebd0b0793df": "How did the cash and cash equivalents, including amounts restricted, change from the beginning to the end of the period in 2023?", "b6c208ea-f95e-44cf-b5fb-78857282b75a": "What was the amount of interest paid excluding consolidated investment entities in 2023?", "10423176-caf0-4c52-87ce-8c5dc0d5ddbf": "How much did Ameriprise Financial, Inc. report for cash received from purchased options with deferred premiums in 2022?", "62edc121-fdb4-4ce0-b79f-13cc2cfdeaee": "What were the total surrenders and other benefits paid by policyholders in 2023?", "7a2119a2-f1db-40c9-84ee-2e712cef6fed": "What is the amount of restricted and segregated cash, cash equivalents, and investments reported at the end of 2022?", "eba0016f-f872-4d2f-bc6f-de525015a442": "How much did the company report for the change in banking deposits, net, in 2021?", "2c2999a4-0c45-44ae-877e-ca863a6ea150": "What were the total maturities, withdrawals, and cash surrenders for investment certificates in 2023?", "6e6b7c63-35d4-4dd4-957b-bcbf64d34aea": "What is the primary business focus of Ameriprise Financial, Inc. as described in the document?", "9bcc11e4-fc71-4c7b-acef-53ebe454ccf8": "Which entities are included in the consolidation of Ameriprise Financial, Inc. according to the financial statements?", "695c6aff-b1db-460c-97e8-a2d0359850d5": "What significant accounting standard did Ameriprise Financial adopt effective January 1, 2023, and what does it pertain to?", "15d204b6-deb5-4ab3-9742-1999e3d2331e": "How does Ameriprise Financial define a Variable Interest Entity (VIE)?", "55dfad04-d34f-4316-b21d-04721542348b": "What was the outcome of Ameriprise Financial's application to convert Ameriprise Bank, FSB to a state-chartered industrial bank?", "3c0dd6c2-c3e0-4657-a186-9fe69e38c454": "What criteria does Ameriprise Financial use to determine whether to consolidate a VIE?", "1bf04c75-2233-429c-b08e-906d465dbc1f": "What are the implications of adopting ASU 2018-12 on Ameriprise Financial's accounting policies?", "9e850376-bae3-47bf-b68d-9d8f7c93cab0": "How does Ameriprise Financial account for entities in which it holds a voting interest of less than 20%?", "23fbceff-82f9-4725-bc0e-0b4b7be222b2": "What regulatory bodies oversee the operations of Ameriprise Bank as mentioned in the document?", "902f2ce4-b494-409f-be1a-6ba7448f8a20": "What considerations does Ameriprise Financial take into account when evaluating its power to direct the activities of a VIE?", "94438b18-2438-45bb-b49b-f40e3dc88651": "What criteria must a reporting entity meet to consolidate a Variable Interest Entity (VIE)?", "f1f07875-1afa-4dbb-aac4-a97219cfa3ae": "How does a reporting entity determine if it has the power to direct the activities of a VIE?", "bb07d7d9-7fa9-40fa-b4ce-677714fdec12": "What role does the Company consider when evaluating its power over a VIE's economic performance?", "c531b0ef-4daf-4647-916e-a67e8cf7859f": "What factors are analyzed to determine if the Company has an obligation to absorb significant losses from a VIE?", "1c834cbc-8cfe-4057-a9b8-6e17deb7fcbe": "How are management and incentive fees treated in the context of VIE consolidation?", "635d23a4-90e9-481e-8e06-621b9049ea0e": "What is the significance of contractual rights in the consolidation assessment of a VIE?", "3994c7ce-fc79-4bdf-a7fa-dc07b8248de7": "What is the scope exception mentioned for reporting entities with interests in registered money market funds?", "47f589b5-8b68-4c09-b7da-e5f8fb67b048": "How does the Company assess its rights to receive benefits from a VIE?", "3979a1ad-e65c-43df-b9b9-b47a8811ea55": "What types of interests are excluded from the analysis of variable interests in a VIE?", "0a9ec49d-cb50-42f2-94fd-aad55492335f": "What qualitative factors are considered alongside the analysis of rights and obligations related to a VIE?", "d6597075-0b1c-4d18-90a2-be8fe2aeb85f": "How are assets and liabilities of foreign subsidiaries translated into U.S. dollars according to Ameriprise Financial's financial statements?", "4c5f1ee0-cee8-4173-a47d-13b55f7c2f84": "What factors does Ameriprise Financial consider when determining whether declines in the fair value of fixed maturity securities are due to credit-related factors?", "070847ff-5277-47e6-aa04-b091bfb2cc74": "What is the treatment of unrealized gains and losses for Available-for-Sale securities in Ameriprise Financial's financial statements?", "28e07cb5-5ce8-4446-828e-e8a68bee435d": "How does Ameriprise Financial recognize impairment for Available-for-Sale securities that are deemed impaired?", "ed1b7169-ddc2-41c1-ae1e-139ba3b760a9": "What are the significant accounting estimates mentioned in the document that impact the Consolidated Financial Statements of Ameriprise Financial?", "7a6406f4-18a0-4c2f-a0e9-cdd9f8d3c646": "What criteria must be met for Ameriprise Financial to recognize an impairment on an Available-for-Sale security?", "c25d584f-f398-4ac4-8e32-a88e26224e07": "How does Ameriprise Financial account for cash equivalents in its financial statements?", "ae1c5f62-085c-46e7-8d9c-a5f9fa88b753": "What role do exchange rates play in the foreign currency translation process for Ameriprise Financial's foreign subsidiaries?", "5fe5013f-e265-4964-96b1-3394634d6e5f": "How does Ameriprise Financial assess the credit loss component for corporate debt securities?", "936af13f-bf27-4f63-bdec-a085ce10a514": "What types of investments are included in the Available-for-Sale securities category according to Ameriprise Financial's financial statements?", "07b61225-1a40-4b4b-b9f0-7e97887f9651": "What method does the Company use to estimate the credit loss component for corporate debt securities?", "6d383354-41db-460b-b465-a6387eca2295": "Which factors are considered when assessing potential credit-related impairments for structured investments?", "83d6985b-e2a1-4506-a5e1-24b5129f9af9": "How does the Company treat accrued interest in its measurement of the allowance for credit losses for Available-for-Sale securities?", "1e4ac7cb-bdc9-43c7-b117-9fd16e40ba02": "What happens to Available-for-Sale securities when the accrued balance becomes 90 days past due?", "88510490-2582-4e77-bd07-170b28cf4eb6": "What are some significant inputs to cash flow projections for corporate debt securities?", "2c583c1c-b7ae-4d2b-85b5-77017cf7663b": "How does the Company evaluate its position in the debtor\u2019s overall capital structure?", "1f934b49-3eac-4667-a59f-2f0ff4aca1be": "What types of structured investments are mentioned in the document?", "00bc519f-4594-4d83-9f39-e21197357aad": "What actions are taken regarding previously accrued interest when a security is placed on nonaccrual status?", "666f860e-f0c6-422a-a23e-684a501b291e": "What credit-related factors does the Company consider for structured investments?", "1d47772c-2e39-449c-a0f0-7f8ef391d0a6": "How are projected cash flows assessed in relation to the amortized cost basis of a security?", "400e24d5-cb4a-46c8-a439-9e922a77278d": "What types of loans are included in Ameriprise Financial's commercial loans category?", "da085552-4a0a-4fce-b870-5e10c355e06a": "How are advisor loans recorded in Ameriprise Financial's financial statements?", "ace5c7c1-9904-415b-854d-894ce831bd28": "What is the repayment period for advisor loans offered by Ameriprise Financial?", "8231fdc8-d776-4589-9f62-2bfc1a13f8a7": "How does Ameriprise Financial recognize interest income from consumer loans?", "c53f40f4-aa7a-4767-b826-2cf3c172d189": "What criteria does Ameriprise Financial use to determine the allowance for credit losses?", "a4121037-661e-403f-938a-528778b9f5e5": "How does the allowance for credit losses for commercial mortgage loans and syndicated loans get estimated?", "d0c67bb0-3577-4bfd-b306-75c8fb36d900": "What types of consumer loans are mentioned in the document?", "4a340b03-2531-44d3-9071-ab3d9eb75830": "How are deposit receivables accounted for under Ameriprise Financial's reinsurance agreements?", "1231fb2f-fb21-490f-b913-2f9f4e5a531e": "What factors are considered by management when determining the adequacy of the allowance for credit losses?", "5af95534-6c01-4360-8359-0c5d559aaf76": "What is the difference in how interest income is recorded for commercial loans versus advisor loans?", "7393c447-9dae-4670-8e75-6eec94cd588c": "What types of loans are mentioned in the document regarding the allowance for credit losses?", "adc6b4cd-a438-4fb6-aa08-dfb8845d0ff2": "How is the allowance for credit losses on commercial mortgage loans recorded?", "3261fc37-b9be-4d8e-81c4-d656e8aae97e": "What factors does management consider when determining the adequacy of the allowance for credit losses?", "63bc8885-6338-44d8-9f83-658bbf842656": "What role do historical loss experiences play in the evaluation of credit losses for commercial loans?", "d4cebd10-1c60-43db-821c-beae2e8d6daa": "How does the document describe the process of adjusting historical default and loss severity data?", "2b650cd8-0d74-4769-ac7a-d88a1968c4c0": "What is the significance of loan-to-value (LTV) ratios in the context of credit loss evaluation?", "8c1543ac-14ec-43d2-bae1-2b1681d8fce2": "What does the document imply about the subjectivity of estimating credit losses?", "c54cb503-e51d-45ac-aa25-edf7ff35efae": "How are provisions for credit losses charged according to the document?", "c9c3b3a0-dc58-42b3-8831-10e36020db74": "What is the relationship between net charge-offs and the allowance for credit losses?", "5bc92e41-3cf6-4566-b3eb-987b523997ec": "In what way does the document suggest that economic and market conditions impact credit loss forecasts?", "24b5916e-de61-4cbd-a694-2c7d93c83958": "How does Ameriprise Financial determine the allowance for credit losses on advisor loans?", "c3f816cd-3c8a-450b-ab3a-9a32d58ad1cd": "What factors does the company consider when estimating expected credit losses for consumer loans?", "530d1c91-c914-4818-8b1c-89e740708643": "How are the allowance for loan losses for credit card receivables and residential mortgage loans calculated?", "eba15f8c-cc3e-4e36-bf14-32f90cfaf397": "What monitoring procedures does Ameriprise Financial employ for margin loans and pledged asset lines of credit?", "b3691ac1-0105-491a-90fb-83a2aa013b17": "Under what conditions are commercial mortgage loans and syndicated loans placed on nonaccrual status?", "9bc48d30-070a-4b27-9e25-2b253541c1e9": "What criteria must be met for a loan modification to occur at Ameriprise Financial?", "376a6eae-f3c1-41a5-b90f-d62fd6693d25": "How does the company assess the need for an allowance for credit losses on deposit receivables?", "8e5d6529-f108-4543-9d87-feff7129bab9": "What factors influence the decision to record charge-offs for commercial mortgage loans?", "6908fb4a-96aa-4125-9843-46c5fb8a1cc8": "How does the company handle interest payments on loans that are on nonaccrual status?", "4628ad36-1afa-4e07-a476-1dc03f3d6e8c": "What role do historical charge-off experiences play in the management of credit losses at Ameriprise Financial?", "21d826e8-ca8f-4857-8b29-d727325ad64a": "What happens to a commercial loan if the borrower\u2019s ability to meet the revised payment schedule is not reasonably assured?", "163ced35-326a-47ef-b23f-3ebf73d81a97": "Under what circumstances does the Company record charge-offs for commercial mortgage loans?", "02707180-e2ab-4680-ae03-8bdcd743edc8": "What factors does the Company consider when assessing the collectibility of commercial mortgage loans?", "f04755b5-b405-42e3-a9fe-0fc241bca5e5": "How does the Company determine whether all amounts due on syndicated loans will be collected?", "db554535-807c-48e1-9534-b99b489ed9d3": "What actions are taken by the Company if foreclosure on a commercial mortgage loan is deemed probable?", "8431f122-e820-4eee-95e6-9242a9c1d2c4": "How are expected credit losses measured when the fair value of a commercial mortgage loan is less than the current loan balance?", "06433fb2-e588-467f-8328-ce38b74f8ad5": "What happens to the commercial mortgage loan and related allowance upon foreclosure?", "b474bdad-a061-4782-be67-05db2dae2a7d": "In what category is the foreclosed property recorded after a foreclosure occurs?", "e7d7c106-b625-4117-976b-b5dd500615ae": "What role does the borrower\u2019s financial condition play in the Company\u2019s assessment of loan collectibility?", "7fa9c792-5bba-4a18-8903-6a13f7986cde": "How does the geographic location of a property influence the Company\u2019s evaluation of a borrower\u2019s future ability to pay?", "435f26eb-56f3-4808-b883-017afaffccc8": "What factors lead to concerns regarding the recoverability of loans to advisors at Ameriprise Financial, Inc.?", "cd158d23-8b47-4705-9e01-6c2c89a8fa97": "At what point are credit card receivables charged off according to the document?", "8a7abe4e-11fb-489e-8705-0e6cee16482a": "How are separate account assets and liabilities defined in relation to variable annuity contractholders and variable life insurance policyholders?", "a79b59d2-4fd0-4b99-a695-570bd219b20d": "What is the purpose of the amounts segregated under federal regulations for Ameriprise Financial, Inc.?", "9ff06261-860d-4882-870c-616ce2a87e93": "How does Ameriprise Financial, Inc. determine the depreciation of land, buildings, equipment, and software?", "3bba6adb-024a-4245-b315-f669543d4024": "What criteria does the Company use to recognize right-of-use (ROU) assets and lease liabilities?", "b145869a-c53f-4c34-82f2-d94c50b35541": "How often does Ameriprise Financial, Inc. evaluate goodwill for impairment, and what triggers an impairment evaluation?", "9c0385bf-8275-46a3-b050-ff7587e3a52f": "What method does the Company use to determine the present value of future lease payments for leases?", "84ac88d9-aed4-45e5-a106-af33b08361c0": "What is the range of years over which the Company depreciates its assets, as mentioned in the document?", "045db4e5-b5fc-4f1e-a948-a073e0441db8": "How are lease incentives such as free rent periods accounted for in the Company\u2019s financial statements?", "73954749-14b1-4848-9f3d-918a25e8e976": "What criteria must be met for renewal options to be included in ROU assets and lease liabilities?", "39709c98-485b-41fe-b841-b328e71ce491": "How does the Company evaluate goodwill for impairment?", "99388117-beeb-41c5-86b7-3901404364c5": "What is the significance of the measurement date of July 1 in relation to goodwill impairment evaluation?", "32489c90-a21d-4204-92e2-2b59efa27b58": "What method does the Company use to assess impairment if it occurs for goodwill?", "f1daa0f4-37e3-4c5c-b5b4-2bf072bcabf1": "How are operating and finance ROU assets reflected in the Company's financial statements?", "490bc832-c8b9-4d18-9160-9f22fc6bf841": "What factors does the Company consider when determining whether impairment of definite lived intangible assets has occurred?", "e396906c-44a0-4d96-84e0-1896525a2772": "How often does the Company test indefinite lived intangible assets for impairment?", "ab121a6a-52ab-4b35-9428-b68a91de4798": "What is the difference between how definite lived and indefinite lived intangible assets are treated in terms of amortization?", "8c7ff34a-72b6-4c09-931a-7141be0c57be": "What constitutes an economic incentive to renew a lease according to the document?", "592f5a27-7cbe-4fc6-8a83-f295ce710ace": "In what circumstances might the Company decide to evaluate the remaining useful lives of definite lived intangible assets?", "308787d1-3859-44e5-940a-f8ff1addd84d": "What types of derivative instruments does Ameriprise Financial primarily use as economic hedges?", "ed0a2632-3fde-46ee-8d19-261923dd8e28": "How does Ameriprise Financial account for changes in the fair value of derivatives that do not qualify for hedge accounting?", "1079af0e-7e31-41f1-8a98-41f94ff90aad": "What are the three types of hedges designated by Ameriprise Financial for their derivative instruments?", "242f711a-57e3-4851-847b-fc54365ca4e0": "What happens to the carrying value of a hedged item if a fair value hedge designation is removed?", "197b7b1b-627c-42ea-9ed5-668802b64093": "How is the effective portion of gains or losses on cash flow hedges reported in Ameriprise Financial's financial statements?", "05975e88-7015-46e5-99d1-cf66119264a0": "What is the treatment of the ineffective portion of gains or losses on cash flow hedges at Ameriprise Financial?", "43542205-67fb-4b49-948b-3c971b99e9cb": "How does Ameriprise Financial classify the equity component of certain annuity obligations?", "0fcf9468-6a6c-4ebc-8be6-544c7c07f3c9": "What documentation does Ameriprise Financial maintain for derivative instruments designated for hedging activities?", "1f930575-c25f-4258-a649-6f8512ace3f1": "What is the impact on earnings when a hedge relationship is discontinued due to a forecasted transaction not occurring?", "3c566c19-cb07-40fa-9a9c-522ffc5156e8": "How are changes in fair value of net investment hedges in foreign operations recorded in Ameriprise Financial's financial statements?", "46035eb2-d1ac-44be-9a93-6ca3b752d0ef": "What is the accounting treatment for the effective portion of net investment hedges in foreign operations according to the document?", "f696307c-ef23-4cf9-af08-88ccfb19f96f": "How is the ineffective portion of net investment hedges in foreign operations recognized in the financial statements?", "02f8e3b4-f39d-45d5-a041-150870325e15": "What types of financial instruments are considered embedded derivatives in the context of the document?", "d0cae92b-e307-43fb-8fa0-d7bdbefd5f66": "What are the guaranteed minimum benefits mentioned in the document that are accounted for as market risk benefits?", "95bd306a-1c2c-4905-a78f-90c3442fae05": "How are market risk benefits defined in relation to capital market risk exposure for the Company?", "114de75b-5ac7-4b71-8734-e0988a54ee7e": "What valuation approaches are used to measure market risk benefits at the individual contract level?", "7a35f1bc-5f91-4602-8486-d77689f465f2": "How are changes in the fair value of market risk benefits recognized in the financial statements?", "199f6c17-daf8-4699-ab1c-3f7798517a9a": "What is the treatment of changes in fair value due to instrument-specific credit risk according to the document?", "6fcdfe11-ad4d-4ef5-bdca-bea00db59c72": "Can you list the specific market risk benefits that are bundled together as a single compound market risk benefit?", "fc264cfa-a495-4b1f-8174-58e709f6bc5b": "Where can one find additional information regarding the Company\u2019s fair value measurement of derivative instruments and their impact on financial statements?", "3cf84650-e414-44f9-9de5-71fa8f0be79e": "What types of costs does Ameriprise Financial, Inc. capitalize as Deferred Acquisition Costs (DAC) when acquiring new insurance and annuity businesses?", "3e0f87f2-d36a-4b6b-b162-d26178dcade5": "How does the company determine the amortization period for Deferred Acquisition Costs related to insurance policies and annuity contracts?", "fa427afb-d76c-4a2b-b5b0-ccab84d701c6": "What factors does Ameriprise Financial, Inc. monitor quarterly that could impact its Deferred Acquisition Cost balances?", "f5d36255-3584-4191-9408-c145bc77cf62": "How are Deferred Sales Inducement Costs (DSIC) accounted for in the financial statements of Ameriprise Financial, Inc.?", "cc11a97c-f171-405f-aba1-e0f9fae7299f": "What is the methodology used by Ameriprise Financial, Inc. to amortize Deferred Sales Inducement Costs?", "54437f2c-bd0b-4d7a-9b3e-a8550c6157b4": "How does the company group contracts for the purpose of amortizing Deferred Acquisition Costs?", "cd59c70b-439b-4c4a-8ebb-b330a4f35765": "What types of insurance products does Ameriprise Financial, Inc. offer that are mentioned in the document?", "47b857fa-d6fd-4c6d-8b1d-3babd696e08a": "How does Ameriprise Financial, Inc. handle the accounting for reinsurance premiums and recoveries?", "ca16e216-cf89-4b5d-9915-6579d0bba962": "What is the significance of the annual review of DAC amortization assumptions conducted by the company's management?", "56d93fec-a7cf-4a3a-a004-d37d9cfab2ee": "In what way does the company differentiate the amortization of DAC for life insurance products compared to annuity products?", "03d37dc3-f19e-433c-9d17-3d8fcb1b8c01": "How are the amounts capitalized in the document amortized according to the methodology mentioned?", "1b79fc24-5a31-42de-a1e1-c30eeed6aae4": "Where is DSIC recorded in the financial statements, and how is its amortization categorized?", "7ce6d989-022a-4368-91e8-1efa4743d52f": "What types of insurance risk does the Company cede to other insurers under reinsurance agreements?", "c685847d-819f-48f2-b986-707a16a32f22": "How are reinsurance premiums for traditional life and long-term care insurance accounted for?", "e5f495e4-1ded-4988-9789-9e26e8fe9ac2": "In the context of UL and VUL insurance policies, how is the net cost of reinsurance ceded classified and amortized?", "6ee12e11-84ad-4892-9c54-6e8d4aac67be": "What is the treatment of reinsurance recoveries in the financial reporting of the Company?", "20066967-7192-462e-8744-478b59b1a3fc": "How are insurance liabilities reported in relation to the effects of reinsurance?", "0e8a9646-8770-46a9-89b5-c1e9022dc841": "What components are included in the calculation of the net cost of reinsurance for UL and VUL policies?", "7d143b0e-74d2-4f91-b20b-cccd48e29908": "How does the Company report changes in the net cost of reinsurance?", "e9339bd5-5b00-46e6-aaaa-4c5b71dd7653": "Where are policyholder account balances and future policy benefits recorded in the financial statements?", "060ccd5a-9289-4f67-843e-11ee1304351d": "What factors does Ameriprise Financial, Inc. consider when evaluating the financial condition of its reinsurers before entering into new reinsurance contracts?", "a8249d1a-b16e-47a2-ba2e-ea7e0f6d57b5": "How does the Company determine the allowance for credit losses related to reinsurance recoverable?", "3353767a-f75b-4255-8bff-8abdd08739ad": "What types of products are classified as non-traditional long-duration products by Ameriprise Financial, Inc.?", "a9d8b366-c1a0-4be2-a156-604d62871450": "How are liabilities for fixed account values on variable annuities calculated according to the document?", "b0a9ed3b-986f-4895-933d-26aa26ead4e4": "What is the significance of secondary guarantees in UL and VUL policies, and how do they affect the liability for future losses?", "610fae50-4522-4d40-83d9-137f865ff000": "How does the Company account for reinsurance premiums received and benefits paid in relation to assumed life insurance and fixed annuity risk?", "6cb972f4-bab4-4e2f-863c-6361d1928657": "What are embedded derivatives, and how do they impact the fair value measurement in Ameriprise Financial, Inc.'s financial statements?", "500ac920-6388-48cc-a9bb-911cf6102f2c": "What types of cash flows are included in the liabilities for traditional long-duration products?", "37771155-c508-442d-aadf-539843025e11": "How does the Company assess the impact of industry data versus its own data when evaluating credit losses on reinsurance recoverable?", "267d5d02-c3dc-4029-b512-c51d52407e98": "What is the role of the allowance for credit losses on reinsurance recoverable in the context of benefits, claims, losses, and settlement expenses?", "065e8cd6-9b73-49ec-b660-03715b75b2ea": "What are the factors that influence the fair value of embedded derivatives related to structured variable annuities and indexed annuities?", "27f48b10-81b4-4d51-b760-6b24c86fe860": "How is the liability for future policy benefits calculated for traditional long-duration products?", "07b671a5-6e39-42d2-bdce-1adbd54c1a9b": "What types of claims are included in the liabilities for traditional long-duration products?", "60891b65-3930-4d4e-a2a4-3ec7a207bfe6": "What is the net premium approach, and how does it relate to the accrual of expected insurance benefits?", "11b8e147-23c7-494e-889a-53993d9273f6": "How often are the assumptions utilized in the net premium approach reviewed and updated?", "71086d92-fc50-4102-9e02-626e93fa51ec": "What is the significance of the net premium ratio in the context of traditional long-duration products?", "43a017e8-1868-4264-b65a-35ca3b7e08e9": "How are embedded derivatives related to the Company\u2019s nonperformance risk recorded in financial statements?", "d39742b2-f24b-4981-9652-a9d01b009d4a": "What types of policies are considered when estimating benefits payable on claims incurred but not yet reported?", "b71df45e-9521-4c9e-ace3-8c6d8abe081e": "What expenses are considered when calculating the liability for future policy benefits?", "06a543b6-6849-455d-b1da-be20794ce597": "How does the Company estimate future net premiums to be collected from policyholders in the context of future policy benefits?", "e7288c63-1a09-438c-b6c9-7ea8483fa982": "What method does Ameriprise Financial use to discount cash flows in their financial statements?", "14e1f0fc-1cb7-4331-91d9-f38b9fdc798f": "How often are discount rates updated for life contingent payout annuities according to the document?", "a003e309-82e6-401c-a21b-9c814c11b965": "What happens if the present value of future benefits and expenses exceeds the present value of future gross premiums?", "441a138a-58e8-4488-9904-2fffca408c20": "How is the Deferred Profit Liability (DPL) recognized in Ameriprise Financial's financial statements?", "e864399c-8a4b-43e6-aa48-d0f2c2a022a6": "What factors are considered when measuring gross premiums for limited-payment products?", "2e8b982d-2edb-40b4-a937-17c1b1bfd68f": "How does Ameriprise Financial account for unearned revenue related to Universal Life (UL) and Variable Universal Life (VUL) policies?", "5d6574d8-ac90-458e-b3ec-c47b0943759d": "What is the treatment of share-based compensation in the financial statements of Ameriprise Financial?", "cf78680c-e0e9-4d9b-99bd-75ea0096c8e0": "How are contracts grouped for the purpose of calculating liabilities for future policy benefits?", "8e23f1ec-afff-464c-aaf8-0310e6712fc4": "What is the impact of updating cash flow assumptions on the liability for future policy benefits?", "87037dd0-6f60-48be-a143-4e2b8b22856f": "How is the amortization of unearned revenue liability recorded in Ameriprise Financial's financial statements?", "243e9ded-219c-412b-abdd-aac902d79061": "What is the treatment of unearned revenue liability in the Company's UL and VUL policies?", "f32807a3-ff22-4be4-9eea-010535136552": "How are financial planning fees accounted for when received in advance by the Company?", "3a84cf87-d437-4822-9d58-b93018b73ba5": "What method does the Company use to measure the cost of share-based awards granted to employees?", "5992f99c-4a44-42a6-8634-24f7a8e06a0e": "How is the expense for share-based compensation recognized over time according to the document?", "0caaa3fe-ff1a-412f-9e15-276c69b5d8b7": "What model does the Company use to estimate the fair value of stock options on the grant date?", "3386877f-cfa6-4a4d-ab79-8b77da751c0b": "How does the Company account for excess tax benefits or deficiencies related to share-based awards?", "496d75ac-6564-4d43-994f-e8f10be620a4": "What does the Company's provision for income taxes represent in relation to its operations?", "71b746e2-5d9d-4bb1-877b-20f5d870e641": "How does the Company handle uncertain tax positions in its income tax provision?", "f6e3002d-b130-46ef-b43b-203e144a4e35": "In what financial statement category is the unearned revenue liability recorded?", "a2d2628e-aede-48e1-93c0-5b3799cc02a2": "What factors influence the amortization of unearned revenue in the Company's accounting practices?", "8483b7a9-2978-4530-812f-f200e899f609": "What factors does Ameriprise Financial consider when determining the need for a valuation allowance on deferred tax assets?", "39515d3f-0123-4594-b15b-946a34b18973": "How does Ameriprise Financial recognize mortality and expense risk fees in their revenue?", "24596bb3-c9d1-4d02-a230-b8db6d925a6d": "What is the effective interest method used by Ameriprise Financial for accruing interest income?", "98e90ba4-1d58-440d-8ca9-e49768c35b72": "What recent accounting pronouncement did the Financial Accounting Standards Board propose in March 2022 regarding troubled debt restructurings?", "c5828b0a-1695-474d-a28d-0d521ab04241": "How are realized gains and losses on securities recognized by Ameriprise Financial?", "deb38ace-22c9-4f06-89ad-231f6a0b6139": "What is the policy adopted by Ameriprise Financial concerning the corporate alternative minimum tax (CAMT) in their valuation allowance analysis?", "9e6a28d0-09e2-472a-87bc-0d5908895c8d": "What changes are accounted for in the period of enactment according to Ameriprise Financial's tax treatment?", "12997def-84c9-45c1-baf5-3caf60151af5": "How does Ameriprise Financial handle premium recognition for traditional life, disability income, and long-term care insurance?", "90b9707d-4fb9-4df9-a908-cd1584b11c32": "What are the disclosure requirements for loan refinancing and restructuring by creditors experiencing financial difficulty as per the proposed amendments to ASU 2016-13?", "3e086517-531a-4f34-827e-8cc86e3fef02": "When are the amendments related to troubled debt restructurings effective for entities that have adopted Topic 326?", "7af86cbc-0889-415b-9dad-8c9c5c1a9a71": "What guidance must an entity apply to determine whether a loan modification results in a new loan or a continuation of an existing loan?", "1aebf5f6-b40f-4d97-9133-f5021f0f0650": "What are the disclosure requirements for current-period gross write-offs according to the update mentioned in the document?", "d19e87fb-4b9c-4c39-857c-049642b2396c": "When did the amendments regarding TDRs become effective for entities that have adopted Topic 326?", "a2cfad86-86f4-44fc-9810-7d45ea6b8c4b": "How did the adoption of the update on January 1, 2023, impact the Company\u2019s consolidated results of operations and financial condition?", "dfc27376-34c9-48f4-b161-16456c571d3d": "What is the significance of the FASB update in October 2021 regarding contract assets and contract liabilities in business combinations?", "17fa17f8-77ad-4ceb-8109-96236d0ece83": "According to the document, which topic must an acquirer follow to recognize and measure contract assets and liabilities acquired in a business combination?", "4e3ef32c-44df-4148-b6ec-6eaa8014cbe9": "What is the effective date for the amendments related to TDRs for interim and annual periods?", "e98ecc3f-0bd7-4d46-b6bc-c4731dc90d50": "What option do entities have for applying the recognition and measurement changes to TDRs?", "2b951ec5-15d8-470d-82ed-923ede089706": "How are modifications to disclosures described in the current period after the adoption of the update?", "5916e5d3-9b62-4a7d-adc0-b6c313eaa355": "What is the relationship between Topic 606 and the accounting for contract assets and contract liabilities in business combinations?", "a5e1057e-0838-488c-a835-462de224e127": "What accounting standard did Ameriprise Financial, Inc. adopt on January 1, 2023, related to contract assets and liabilities?", "68aecaa4-7f97-4a06-b9c4-19eca5cd1e2d": "How did the adoption of ASU 2018-12 impact Ameriprise Financial's total equity as of January 1, 2021?", "a2cb2791-e743-4b71-8f22-e1b7c560ddf2": "What was the reduction in total equity for Ameriprise Financial, Inc. as a result of adopting the new accounting standard?", "59bae65b-06d2-4c6f-ab1c-142321d2243e": "What specific changes were made to the measurement models for long-duration insurance contracts under ASU 2018-12?", "01c77786-68e0-4b90-b571-2479e2919a52": "How did the adoption of the new accounting standard affect the Company\u2019s consolidated results of operations and financial condition?", "caf86e70-775b-43d7-9a21-a0c2472e121a": "What adjustments were made to the receivables in Ameriprise Financial's Consolidated Balance Sheets after the adoption of the new accounting standard?", "1cbc50b6-8f8f-4cac-91b4-2590dd446cc8": "What was the total amount of market risk benefits recognized in Ameriprise Financial's assets after the adoption of the new accounting standard?", "f09820e7-85f5-4af8-b949-8ba372cc94d4": "How did the adoption of the new accounting standard affect the accumulated other comprehensive income (loss) for Ameriprise Financial as of December 31, 2022?", "ab363d71-addd-4dc0-b06b-a42014a19e49": "What were the reported total liabilities for Ameriprise Financial, Inc. before and after the adoption of the new accounting standard as of December 31, 2021?", "55ec3925-cb73-4d61-a8e2-4cedd82df3c9": "What is the significance of the transition date of January 1, 2021, in relation to the adoption of the accounting standard by Ameriprise Financial?", "fd6dbeaa-4106-45de-a578-a57e41ff5ac5": "What were the total net revenues for Ameriprise Financial, Inc. for the year ended December 31, 2022, after adjustments?", "26060b32-a620-4413-a2f1-df8bcfe97c2c": "How did the adoption of the new accounting standard affect the distribution fees reported by Ameriprise Financial, Inc. for the year ended December 31, 2021?", "c4bc959a-eb60-4606-8502-6f8b8e94bb83": "What is the effective date for the proposed amendments to ASU 2016-02 regarding leasehold improvements associated with common control leases?", "e7c918e4-ff7b-4725-abd2-269ae9486a11": "What was the net income for Ameriprise Financial, Inc. for the year ended December 31, 2022, after adjustments?", "7dce43a5-c418-4f8d-bec7-358cb7f512b5": "What changes were made to the accounting treatment of leasehold improvements under common control arrangements as per the March 2023 FASB proposal?", "4b77b5c5-28f0-406b-920a-7e36b2a0764a": "How did the adoption of the new accounting standard impact the benefits and expenses reported by Ameriprise Financial, Inc. for the year ended December 31, 2021?", "f4188c12-ec47-4051-bc0a-cd475fd81866": "What are the key enhancements introduced by ASU 2023-07 regarding reportable segment disclosures?", "4ec69587-f974-480e-b776-c2e0027fdd14": "What was the basic earnings per share for Ameriprise Financial, Inc. for the year ended December 31, 2022, after adjustments?", "0258133e-d139-4a5a-9009-9d1745e685cb": "Did the adoption of the new accounting standard have any effect on the net cash flows provided by operating, investing, or financing activities for Ameriprise Financial, Inc.?", "f8f8fcc6-5bde-4b85-ad57-82dec52966e0": "When is early adoption permitted for the amendments related to reportable segment disclosures as per ASU 2023-07?", "1faa5dd8-9746-4840-839f-f3bc2cdfe956": "What is the purpose of ASU 2023-07 issued by the FASB in November 2023?", "d25abd4b-f703-48f6-aa9f-a348d36fff62": "What specific improvements does ASU 2023-07 introduce regarding reportable segment disclosures?", "6e484a8c-6b55-4461-84dd-db99f414b4d2": "When will the amendments from ASU 2023-07 become effective for annual periods?", "9a9a57a7-1055-475e-9e62-4030dd8eb8ed": "How does ASU 2023-07 affect interim disclosure requirements?", "94f801f6-88d9-4434-a64d-ab246fd7f680": "What is the significance of the enhanced disclosures about significant segment expenses in ASU 2023-07?", "ac4d23cb-c5fc-4350-80ac-6307105c36cd": "Is early adoption of ASU 2023-07 permitted, and if so, under what conditions?", "95c30e9f-bff3-432e-95d3-f58e40efe018": "How will the adoption of ASU 2023-07 impact the Company\u2019s consolidated results of operations and financial condition?", "68f95078-0995-4c25-87c0-8fcfb4cfc1ed": "What are the circumstances under which an entity can disclose multiple segment measures of profit or loss according to ASU 2023-07?", "50901854-ecb0-4f80-9399-b5cea3bf8a09": "What topic does ASU 2023-07 primarily relate to in the context of accounting standards?", "dbfc8a68-b4a4-4ba1-b736-f33b2e3365c9": "What is the Company currently doing in response to the changes introduced by ASU 2023-07?", "3945c6f7-a857-4052-9722-9708ac1b46b7": "What is the primary focus of ASU 2023-09 issued by the FASB in December 2023?", "c579ae65-53ff-4f69-bee5-0959347ecfb4": "When is the effective date for the adoption of the new income tax disclosure standard?", "abb01fe5-8028-4e5b-b4aa-21d58776a267": "How will the adoption of ASU 2023-09 impact Ameriprise Financial's consolidated results of operations?", "3b325c7b-0c0e-46f2-9f9a-664c63c4d7d5": "What are the total revenues from contracts with customers for the year ended December 31, 2023, as reported by Ameriprise Financial?", "b4c81035-5bb6-4224-bf68-3868ef530975": "Which segment generated the highest management and financial advice fees in 2023?", "00842cd1-71f4-43dd-910c-36b28573f578": "What is the total amount of distribution fees reported by Ameriprise Financial for the year ended December 31, 2023?", "35f3d82e-c5d2-4f7e-8dac-32173dccfaae": "How much revenue did Ameriprise Financial report from other sources in 2023?", "21267224-5331-4496-8746-c4a1756c43a7": "What was the total segment net revenue for the Asset Management segment in 2023?", "68ee84cf-f1e2-434a-a934-9d06e09da867": "What is the amount of intersegment revenues eliminated in the total net revenues calculation?", "093d0665-51e3-455d-b8f6-a4ae9dc1d93f": "How does the total segment gross revenues compare to the total net revenues for Ameriprise Financial in 2023?", "75537838-0643-48be-9858-46b27d2c8f18": "What was the total revenue from contracts with customers for Ameriprise Financial, Inc. in the year ended December 31, 2022?", "b64fca7b-ef9b-45bd-b3f0-458babfbb31c": "How much did Ameriprise Financial, Inc. earn from advisory fees in 2022?", "58f88386-0e08-44d6-81c7-23d60294cc9a": "What are the four main segments of Ameriprise Financial, Inc. as listed in the document?", "6edd30e8-98f4-4f1a-8308-8e6521c63f61": "What was the total amount of distribution fees generated by Ameriprise Financial, Inc. in 2022?", "2aac1945-89b6-4cd7-9faa-6fd0538a8df2": "How much revenue did Ameriprise Financial, Inc. report from other sources in 2022?", "f2944cf9-cc51-4e0a-a35c-33707b30e856": "What was the total segment net revenue for the Retirement & Protection Solutions segment?", "4dbfed4a-f6ac-428e-b04e-ca8390d0a878": "How much was the elimination of intersegment revenues for Ameriprise Financial, Inc. in 2022?", "0fc8a0fe-e93e-42f9-8428-ba944526755f": "What type of fees contributed to the total management and financial advice fees for Ameriprise Financial, Inc.?", "1e3e92d9-5a7c-4aca-8aa1-11f963e07090": "What was the total segment gross revenue for the Asset Management segment in 2022?", "556670f9-12ac-4ca0-b5ea-b10a691b36ba": "How much banking and deposit interest expense did Ameriprise Financial, Inc. incur in 2022?", "0cea96b6-2fbe-4ada-9935-19467e36454f": "What are the total management and financial advice fees reported by Ameriprise Financial, Inc. for the year ended December 31, 2021?", "ac1dbb2a-f4e8-4fc7-8624-1bd8ae49e903": "How much revenue did Ameriprise Financial, Inc. earn from asset management fees for retail clients in 2021?", "64a71013-ccb7-4db0-8cbb-1a151ead0920": "What types of fees are included under the distribution fees category for Ameriprise Financial, Inc.?", "f39b1c8c-9662-483c-a80d-d8abe37dd4c3": "What is the significance of performance-based management fees in Ameriprise Financial, Inc.'s asset management contracts?", "105b625e-4beb-4c86-b753-9f1cf8022248": "How does Ameriprise Financial, Inc. recognize revenue from asset management services?", "443bb9cf-0b28-4a93-a3d9-08bc0127412c": "What are the total segment gross revenues reported by Ameriprise Financial, Inc. for the year ended December 31, 2021?", "85355340-79c6-46e6-ae4e-4cf73c0ad636": "What factors influence the variability of asset management performance obligations for Ameriprise Financial, Inc.?", "23fedf88-086d-4dd5-8e7f-70c1740831d9": "How does the revenue recognition pattern differ for asset management and fund distribution services at Ameriprise Financial, Inc.?", "314460e4-a071-4668-8625-7f755b73f9cd": "What is the total net revenue reported by Ameriprise Financial, Inc. after the elimination of intersegment revenues?", "7020b8d1-2c9c-44eb-a584-cbcec8872664": "What types of revenues are not included in the scope of the revenue from contracts with customers standard for Ameriprise Financial, Inc.?", "d749d7f2-b876-4556-9e83-174fb215d0db": "What types of investment companies are mentioned in the document regarding the Company's asset management contracts?", "681d2483-32c7-4d12-824c-5461e25b5c5f": "How are the amounts received for asset management and fund distribution services categorized in the Company's financial reporting?", "5a371bf0-131b-42d3-98d3-9cba4762ca0c": "What factors constrain the revenue recognition for fund distribution services according to the document?", "fb99e8a5-b7c5-46c8-a627-b1ac6283e2fb": "When is revenue from performance-based management fees recognized by the Company?", "7b504f19-b161-4b93-9028-00fac213e37a": "What types of accounts may earn performance-based management fees as described in the document?", "a41dcf12-4054-43bd-a206-fb41b6227d8c": "How does market volatility affect the Company's revenue recognition for asset management services?", "bf920631-49cb-4cc5-8f7d-86259688c5b0": "What is the basis for calculating performance-based management fees mentioned in the document?", "e827fe54-9b9f-4bdb-94be-83c87fa77db9": "How frequently are performance-based management fees invoiced to clients?", "c9b38c13-ed64-4277-81a3-5cd9b9989f30": "What is the significance of the benchmark index in relation to performance-based management fees?", "77562b1a-693f-4a77-b42f-7d47833d3e4b": "Under what conditions is the revenue from performance-based management fees not recognized until it is probable that a significant reversal will not occur?", "1cf046db-9331-4263-b80c-437ab9fa6bc1": "What types of revenue does Ameriprise Financial, Inc. earn from investment advisory services?", "31c9e52d-f5d1-4997-80a3-d49a90e3482e": "How are advisory fees billed to clients at Ameriprise Financial, Inc.?", "f58026fd-a3de-4ac8-8a98-a9305febc540": "What factors determine the financial planning fees charged by Ameriprise Financial, Inc.?", "fa3630cc-4a12-4bab-bc1d-f1e13c54aeca": "When is revenue recognized for fixed fee arrangements related to financial planning at Ameriprise Financial, Inc.?", "784dbe90-6786-443a-9b7c-b4128fa09b1d": "What are the contract liabilities for financial planning fees as of December 31, 2023?", "1a12c49c-c0fc-47e9-8a34-4a2c97121467": "How does Ameriprise Financial, Inc. account for sales commissions paid to advisors for financial planning contracts?", "532e8da7-3b07-4502-b58b-904accc33df1": "What services are included under transaction and other fees at Ameriprise Financial, Inc.?", "1f892e23-fa4c-4a0a-a77f-67163d181a57": "How is revenue earned from trade execution services for franchise advisors at Ameriprise Financial, Inc.?", "b6268f7a-f99d-4214-a2d4-b16193b0d326": "At what point is the performance obligation satisfied for the sale of mutual funds and insurance products at Ameriprise Financial, Inc.?", "e08143e1-11a8-4668-b172-2ac1edbf9cf3": "What types of fees are invoiced or charged to brokerage accounts by Ameriprise Financial, Inc. for custodial services?", "6115abfd-8249-4d87-934b-2872d14e7222": "How often are transaction and other fees charged to brokerage accounts according to the document?", "4b95a989-2d34-45d2-8fc5-e440b69e498c": "What is the basis for the revenue earned from trade execution services provided to franchise advisors?", "f941e474-5165-4273-b0f4-00d86c7e39ae": "When is the performance obligation for selling mutual funds and insurance products satisfied?", "94f2bd57-87df-4621-8d52-ab09b920c23f": "How is the ongoing revenue from mutual funds and insurance products recognized over time?", "b580088e-68b0-4aa9-9ec5-a6c38d63ed8b": "What factors can affect the recognition of ongoing revenue from investments, insurance policies, or annuity contracts?", "c5f83a54-aef0-4522-8eae-dfc4d52ec801": "How frequently are trade execution fees invoiced and collected?", "060c6301-7045-4beb-a5e9-0bdb07a35e98": "What percentage is used to calculate the revenue from the sale of mutual funds and annuity products at the time of sale?", "57baf452-881d-4e65-bdf5-76be288a1b7d": "Why is ongoing revenue not recognized at the time of sale for mutual funds and insurance products?", "6c40450f-dcaa-4897-b887-44ffac72318d": "What is the significance of market volatility and client behavior in the context of revenue recognition for the Company?", "fe6a0b44-71cf-477c-a2d7-0143ce7fb039": "How are custodial service fees charged to brokerage accounts, and how does this differ from transaction fees?", "7c3a1538-26a4-40cf-af94-ba2f045de566": "What types of revenue does Ameriprise Financial, Inc. earn from providing services to unaffiliated partners?", "d2263149-07c1-433e-bd92-89e2ee017f2d": "How does the Company recognize revenue from its brokerage sweep program with third-party banks?", "937caabd-5abc-461c-904a-36451fa48849": "What factors influence the revenue earned from executing trades for brokerage clients?", "bea71997-c4d9-46cf-8c71-713e527d3f81": "Describe the performance obligations associated with the sale of unaffiliated alternative products by the Company.", "bc5de509-4641-4601-ad5c-2513de332705": "What services are included in the fees charged to franchise advisors by Ameriprise Financial, Inc.?", "1dffdc64-cad5-4e35-827a-1a5d8bc3c1f2": "How does the Company account for contract costs related to investment advisory services under its arrangement with BMO Financial Group?", "172b0948-7137-45c6-933c-71692b75a1f8": "What is the amount of receivables recognized for revenue from contracts with customers as of December 31, 2023?", "23238b3a-4523-475f-91c5-13c20fc49fe2": "How does the Company recognize revenue for intellectual property and software licenses?", "b310d55a-872f-416d-87fe-2573387fe872": "What distinguishes the consulting and other services from the other services provided to franchise advisors in terms of revenue recognition?", "7f5d93bb-8d16-4eb9-af54-a5e4979d518d": "What types of investment entities does the Company provide asset management services to that are considered Variable Interest Entities (VIEs)?", "fa467fbf-9a44-41ac-aa8f-ff2371f61cfa": "What was the value of the Company's asset related to the transition of investment advisory services as of December 31, 2023?", "9fd7b0fc-3dda-4938-98df-cec98e0b8eb2": "How much were the receivables related to revenues from contracts with customers as of December 31, 2022?", "c4235b50-6ca2-4cae-b86b-d75dc6888433": "What types of investment entities does the Company provide asset management services to that are considered Variable Interest Entities (VIEs)?", "161cf333-1120-4009-ab34-5bf086bfd24f": "As of December 31, 2023, what is the amount of unfunded commitments related to consolidated CLOs?", "4cef9b88-3f9b-4d30-a846-12944532daef": "What is the Company's obligation regarding financial support to non-consolidated VIEs?", "877c9959-d785-408a-8e7f-c2e2b034607e": "How does the Company determine whether to consolidate an investment entity?", "25c2916e-dc3b-4360-a8dd-3002b83e2169": "What was the value of the Company's asset related to investment advisory services as of December 31, 2022?", "ec980513-589b-4513-abbb-8617f324b028": "What are some examples of the types of funds that the Company sponsors as VIEs?", "874c64f5-1442-45a0-ab65-7b20022a8104": "What accounting policy does the Company follow regarding the consolidation of investment entities?", "dfb3b4fc-24d8-4e30-b228-af42c74bf203": "How much did the Company's asset related to the transition of investment advisory services decrease from 2022 to 2023?", "33a8d771-0df7-4c40-aea6-f5a1c04ca722": "What types of structured investments does Ameriprise Financial, Inc. engage in that are considered VIEs for which it is not the sponsor?", "54304a95-fdea-4aa2-8834-eb9169f53a05": "How does Ameriprise Financial classify its investments in structured investments and non-consolidated CLOs?", "3cad7cee-3da9-449c-a128-1ebecb2edeb4": "What is the maximum exposure to loss for Ameriprise Financial regarding its structured investments and non-consolidated CLOs?", "66e40db8-fb9e-4ee3-bd58-5cfd397e73c9": "What role does Ameriprise Financial play in the CLOs for which it is the sponsor, and what types of assets collateralize these CLOs?", "9d1a4292-6f77-46b2-bda9-3b59463ae730": "How does Ameriprise Financial earn management fees from CLOs, and what additional fees may it receive?", "23e09b26-0846-4bf0-8e68-61e27372c94b": "What is the carrying value of Ameriprise Financial's investments in other non-consolidated VIEs as of December 31, 2023?", "4f2604c6-8743-4b1d-a678-e7c31350ca97": "What types of funds does Ameriprise Financial provide investment advice and services to, and how are these funds classified in relation to VIEs?", "2319373f-a1b3-49a1-a251-bfe1c9fc6228": "In what way does Ameriprise Financial participate in affordable housing partnerships, and why does it not consolidate these partnerships?", "9ec524b7-2775-410f-b45d-3de315c87ce2": "What criteria does Ameriprise Financial use to determine whether it is the primary beneficiary of a VIE?", "2b1bc67d-b9f1-4db3-aa16-1d837857722f": "How does the Company\u2019s liability related to original purchase commitments for non-consolidated VIEs compare between December 31, 2023, and 2022?", "2f9084a9-2b8f-4c95-88f9-e72911d0fba9": "What are the three levels of the fair value hierarchy mentioned in the document for Ameriprise Financial, Inc.?", "e5ce5c64-4207-4f87-ae0a-9f1ec5f5a41d": "As of December 31, 2023, what is the total value of assets at fair value for Ameriprise Financial, Inc.?", "7916f9bc-d1d4-4508-99c1-3763be12a20f": "How much did the corporate debt securities amount to in the Level 2 category for the year ending December 31, 2022?", "d53a91f7-90ee-4f1c-99f0-0f6b319c014d": "What is the total value of liabilities at fair value for Ameriprise Financial, Inc. as of December 31, 2023?", "6126a0b9-a57d-4d51-9fcb-3751aba3e543": "What changes occurred in the value of syndicated loans from December 31, 2022, to December 31, 2023?", "1688d3a8-8ffc-4ef6-b81f-0d1d2573faa3": "How much did the other liabilities amount to for Ameriprise Financial, Inc. as of December 31, 2023?", "3debbd38-1160-499a-bf9f-a3bf52bd0f64": "What was the estimated fair value of the CLOs\u2019 debt as of December 31, 2022?", "e982d489-0f2f-4684-955d-f97ded18701e": "In which category does the common stocks fall under for the year ending December 31, 2023?", "fa5b9a28-40af-45c1-849f-871a15bb4e84": "What is the total value of receivables reported for Ameriprise Financial, Inc. as of December 31, 2023?", "0104a060-e962-472a-9ad1-36d9e5066158": "How does the carrying value of the CLOs\u2019 debt relate to the fair value of the CLOs\u2019 assets according to the document?", "28d1ec99-b197-44b1-88d8-0e05745ede21": "What is the balance of Syndicated Loans held by Ameriprise Financial, Inc. at December 31, 2023?", "fc1cdb19-c4ef-4d95-82d9-30996b597732": "How much did Ameriprise Financial, Inc. report in total gains (losses) included in net income for Other Assets during the year ending December 31, 2023?", "b4d0d309-b0f6-4ac4-b7da-8e28168debd3": "What were the total purchases of Syndicated Loans by Ameriprise Financial, Inc. in 2023?", "c92af593-ae29-4c21-bb11-952d234d28c1": "How did the balance of Other Assets change from January 1, 2022, to December 31, 2022?", "97672324-e51b-42b4-8d62-6e78608ba4c4": "What is the significance of transfers into and out of Level 3 assets for Ameriprise Financial, Inc.?", "d17ede0b-4dc9-4949-8daa-965d3cb6e27d": "What were the unrealized gains (losses) included in net income for Syndicated Loans at December 31, 2022?", "f15d2d0e-338d-40ea-91ab-ce19eb037423": "How much did Ameriprise Financial, Inc. settle in Syndicated Loans during the year ending December 31, 2023?", "b6ae2ac3-4883-402c-8bd9-429c56f7ad93": "What was the balance of Syndicated Loans at January 1, 2021, and how did it change by December 31, 2021?", "be493c08-2659-45bc-a5a5-f176e2a64f04": "What does the term \"deconsolidation of consolidated investment entities\" refer to in the context of Ameriprise Financial, Inc.'s financial statements?", "ffb01a99-23d5-4fe0-8088-714e3264b7cc": "How are securities and loans transferred to Level 3 characterized in terms of their valuation methods?", "0e7d9c3d-c742-45a1-9216-965935b80d80": "What classification is assigned to the fair value of syndicated loans obtained from third-party pricing services with a single non-binding broker quote?", "9ba067a1-3b03-4689-8088-bd2a7cb837ba": "How does the Company determine the fair value of corporate debt securities, common stocks, and other investments?", "6ee5228d-ccef-4d8a-9871-b0be7ed9bd95": "What is the fair value of syndicated loans as of December 31, 2023, and how does it compare to the unpaid principal balance?", "af8a10a4-c450-4b44-aeea-adee14309e43": "What is the significance of Level 2 and Level 3 classifications in the context of the Company\u2019s fair value measurements?", "26f34c5b-d3d0-4562-baab-1a9b517b0942": "How does the Company treat the fair value of receivables from consolidated CLOs, and what classification is assigned to them?", "25efe93b-f66a-4201-bead-44b8de7b56ef": "What is the carrying value of the CLOs\u2019 debt as of December 31, 2023, and how is it determined?", "504b148d-49ee-4f82-b2c0-04b47de0234c": "What type of liabilities are included in the \"Other Liabilities\" category, and how is their fair value classified?", "161db1b3-af14-4702-be5e-77fdf4fd6a3c": "What is the difference between the fair value and unpaid principal of loans that are more than 90 days past due as of December 31, 2023?", "d2a24dca-857c-4232-b18c-4df160772d32": "How does the Company record interest income from syndicated loans and the related gains and losses?", "8bb5f820-38da-4c7f-9b22-de3db0ee160d": "What is the estimated fair value of the CLOs\u2019 debt as of December 31, 2022, and how does it compare to the previous year?", "83ee06f2-851a-49ca-8a37-6865c66d14fe": "What was the total carrying value of the debt of consolidated CLOs as of December 31, 2023?", "3e28d8ea-5874-4ba5-a050-2a1d6c01ebe5": "How did the weighted average interest rate of the debt of consolidated CLOs change from 2022 to 2023?", "14059351-6cdb-46c4-9f4b-a0d9f47ca19b": "What is the total value of Ameriprise Financial's available-for-sale securities as of December 31, 2023?", "f6e26463-de30-4bf8-ac6e-36603fb4ab93": "What types of investments are included in the \"Other investments\" category for Ameriprise Financial?", "153b3b14-a598-4b9d-b9d6-299e308fc4b8": "What was the net investment income for Ameriprise Financial for the year ended December 31, 2023?", "00f232f4-1c0c-4048-811b-991294888496": "How much did Ameriprise Financial report in net realized gains (losses) for the year ended December 31, 2023?", "ea4716aa-a02b-4f3d-bd9d-fa29d946afc4": "What is the fair value of corporate debt securities held by Ameriprise Financial as of December 31, 2023?", "e38da0b4-03c1-4169-a363-143ece81304e": "What allowance for credit losses was reported for mortgage loans in 2023?", "d655deff-242a-453a-bd71-0f90be6f5e66": "How did the total net gains (losses) recognized in net investment income related to changes in fair value of investments in consolidated CLOs compare over the years 2021 to 2023?", "a49da4bd-fc84-4281-8ca0-b54f6160e22e": "What are the gross unrealized losses for residential mortgage-backed securities as of December 31, 2023?", "472bec8e-cc76-4192-b0f3-1b876d405a5b": "What is the total amortized cost of fixed maturity securities held by Ameriprise Financial as of December 31, 2023?", "cdb54515-e0ef-4149-8cc5-c1c35432b1a6": "How much did Ameriprise Financial report as gross unrealized losses for corporate debt securities as of December 31, 2022?", "0d6e8018-2c5e-46aa-ba5e-4dbe4d7ec2d4": "What percentage of the total fair value of fixed maturity securities was rated AAA as of December 31, 2023?", "1d359fa8-0b4e-420e-bf09-f6598a9c9e14": "What is the fair value of residential mortgage-backed securities reported by Ameriprise Financial as of December 31, 2022?", "fd265af3-3670-47ce-ae3e-a3c46c5e82e6": "How does the allowance for credit losses for asset-backed securities compare to that of state and municipal obligations as of December 31, 2023?", "95a9fa67-1e66-495e-aeb2-3117cfddd643": "Which rating agencies' designations does Ameriprise Financial use for evaluating its securities?", "d382b340-e80e-4695-aad9-5e5e01ab9cb3": "What was the fair value of below investment grade securities as of December 31, 2023?", "f8a6b902-e8d0-45fd-a6ac-1eb4a43f93c8": "How much accrued interest was excluded from the amortized cost basis of Available-for-Sale securities as of December 31, 2022?", "a6acb91e-a690-4683-924e-8ff93e48a568": "What was the total fair value of securities rated BBB as of December 31, 2023?", "67b81919-08c2-469e-9284-45f65b790631": "What significant change occurred to the ratings of GNMA, FNMA, and FHLMC mortgage-backed securities in the third quarter of 2023?", "4151820d-47b5-4e33-8e8d-d9ff5ec4411a": "What is the fair value of the investment in non-consolidated CLOs managed by the Company as of December 31, 2023?", "5fce7b21-0797-4c9e-a654-1bd73e09ff51": "Why are the securities mentioned in the document classified as below investment grade?", "65860cda-7302-496c-9afd-f47eda7752c0": "What percentage of securities rated AA were comprised of GNMA, FNMA, and FHLMC mortgage-backed securities as of December 31, 2023?", "0a730f0e-5b2d-4535-8901-4b4f200d34d8": "What was the reason for the downgrade of GNMA, FNMA, and FHLMC mortgage-backed securities from AAA to AA in the third quarter of 2023?", "307e05bb-1513-4796-a253-1929f47144c5": "How did the percentage of AAA-rated securities that were GNMA, FNMA, and FHLMC mortgage-backed securities change from December 31, 2022, to December 31, 2023?", "ed2a6089-8638-46c0-a05c-573176ab91e8": "What is the maximum percentage of total equity that any single issuer held in the Company\u2019s portfolio as of December 31, 2023?", "aa474f97-ff25-44f1-898f-74ebaead7d89": "How does the risk characteristic of the non-rated securities affect their classification in the investment portfolio?", "7791db18-ee2a-429b-8b0c-c89394b70f1c": "What were the total holdings of below investment grade securities as of December 31, 2022?", "02d4e542-acd3-462c-916b-09c2bb5b933d": "What implications does the downgrade of the U.S. Government long-term credit rating have on the securities mentioned in the document?", "f8a0942f-69ca-45af-8fb7-7d251564aa56": "How does the Company manage its exposure to individual issuers in its investment portfolio?", "a6b68ca7-efbd-44e8-b7c5-f95bbf0eeeb0": "What is the total fair value of Available-for-Sale securities reported by Ameriprise Financial, Inc. as of December 31, 2023?", "d4acb9fc-f52d-4e80-8da3-ea229e877e12": "How many corporate debt securities had unrealized losses of less than 12 months as of December 31, 2023?", "14b683df-ad2f-44d4-acb9-c7f906c2f016": "What were the gross unrealized losses on residential mortgage-backed securities for the period of 12 months or more as of December 31, 2022?", "cd7f8698-22c2-4022-a4a7-5c766a012381": "Which type of securities had the highest unrealized losses reported for the year ended December 31, 2023?", "75aaecd7-d5c2-4238-9412-5ed397eeedea": "What factors contributed to the decrease in gross unrealized losses on Available-for-Sale securities during the year ended December 31, 2023?", "29ba6303-044d-449f-9e1a-b5761948d565": "How many total securities were reported with unrealized losses of 12 months or more as of December 31, 2023?", "0a1335c0-81e7-479f-9362-2e3f99af7484": "What is the fair value of asset-backed securities with unrealized losses of less than 12 months as of December 31, 2023?", "e32b534b-4f89-4fb4-bfb9-cce71e1c67b2": "Did Ameriprise Financial, Inc. recognize unrealized losses in earnings for the year ended December 31, 2023? Why or why not?", "34eed536-9699-453c-8c5e-79a8531b8ebd": "What is the total number of foreign government bonds and obligations reported with unrealized losses as of December 31, 2023?", "b8f2f9b5-4c8e-45b0-a15b-a498fe6e90bc": "How did the fair value and unrealized losses of corporate debt securities change from December 31, 2022, to December 31, 2023?", "03a71722-4454-4245-8fc1-ce2047676175": "What was the reason the Company did not recognize unrealized losses in earnings as of December 31, 2023 and 2022?", "44de2d3a-9f00-4194-a978-f11eb326947e": "What percentage of Available-for-Sale securities with gross unrealized losses were considered investment grade as of December 31, 2023?", "12150894-0455-4be3-82d2-a8bdf7dd497c": "Does the Company intend to sell the securities that have unrealized losses?", "abab8950-bef8-4ed1-bce0-68bf05540e70": "What factors contributed to the unrealized losses that the Company did not consider as credit-related?", "6726a366-c5d7-4eef-8343-917e9f28234f": "As of December 31, 2022, what percentage of the total Available-for-Sale securities with gross unrealized losses were considered investment grade?", "fd78f269-04ce-4393-ade4-b75766eeb733": "What is the Company's belief regarding the likelihood of needing to sell the securities before their anticipated recovery?", "fae02bd6-ac59-45ea-85e4-d9cf81aab190": "How does the Company classify the unrealized losses in terms of credit factors?", "f0cdedb9-e000-4a22-bb10-bed1dada8c9c": "What is the significance of the amortized cost basis in relation to the Company\u2019s securities?", "6b90b0f1-b503-45ff-8e85-e20d2a711afc": "How do the percentages of investment-grade securities with unrealized losses compare between December 31, 2023, and December 31, 2022?", "f9adf80b-25e5-44ed-a5ef-021e4a857f82": "What is the Company's strategy regarding the management of its Available-for-Sale securities?", "afb59753-39b5-4a88-878c-d6ae95c68f4c": "What was the balance of the allowance for credit losses on Available-for-Sale securities at the beginning of 2021?", "3b4c978b-118c-4d66-b9dc-420bdda939ad": "How much were the gross realized investment gains for the year ended December 31, 2022?", "a47340ab-4bdb-404c-909f-fff4972add4d": "What were the total credit losses recorded for the year ended December 31, 2021, and what types of securities were primarily affected?", "dacd4b4e-261a-49d0-8895-6285e5d04c0b": "As of December 31, 2023, what is the fair value of Available-for-Sale securities due within one year?", "e6cec1ec-3838-4d36-aaa6-7ea191d232fc": "What amount of additional increases or decreases on securities with previously recorded allowances was noted for the year ended December 31, 2022?", "a6308805-94c4-46d5-be41-019dff691ad0": "How did the net realized gains and losses on Available-for-Sale securities for the year ended December 31, 2023, compare to those of 2022?", "dbd9075e-09fa-4366-bfab-a52af1768636": "What was the total amortized cost of Available-for-Sale securities as of December 31, 2023?", "d4b74213-a9aa-4402-bb97-ebde542a39dc": "Which type of security had credit losses recorded in 2022 primarily related to a corporate debt security in the communications industry?", "d9b11631-0c98-4da0-a4d5-47c68742d26d": "What were the realized losses on Available-for-Sale securities for the year ended December 31, 2021?", "881d00df-67d8-490d-97d7-847530b8b462": "How much was the allowance for credit losses on corporate debt securities at the end of 2023?", "ac582540-6a61-46b7-a8fa-f7ef2fb1db2d": "What are the main components of financing receivables as described in the document?", "b666a68a-d51e-4947-89d3-8a0ff5bf2fa0": "How did the allowance for credit losses change from January 1, 2021, to December 31, 2023, for commercial loans?", "7c5ec1f0-0205-40d3-ae23-339c60ee7f2f": "What was the total amount of commercial mortgage loans sold by the Company in 2021?", "e6a73bd6-5d3d-4200-ba76-5f0cc775d277": "As of December 31, 2023, what was the amount of nonperforming loans reported by the Company?", "19f7e476-1dd9-42cc-80a6-306a7261a56a": "What credit quality indicator is primarily used to assess commercial mortgage loans?", "1c603680-738e-432c-b5c0-161b5fb98218": "How much did the Company purchase in residential mortgage loans during the year ended December 31, 2023?", "dae351b7-6fb3-47a7-8bd2-239aa000a81e": "What percentage of total commercial mortgage loans were assigned the highest risk rating as of December 31, 2023?", "502b559d-85a3-4947-a791-bdac00449ec4": "What were the charge-offs for consumer loans in the year ended December 31, 2022?", "adf287b4-db9a-4a48-8616-b249e5276dc1": "Did the Company acquire any loans with deteriorated credit quality as of the acquisition date?", "0be87c28-b6f5-4b6a-8112-25215be29065": "What was the accrued interest on commercial loans as of December 31, 2022?", "c72d2f03-f57d-4587-af30-e9dd42adbd74": "What was the total amortized cost basis of commercial mortgage loans for Ameriprise Financial, Inc. as of December 31, 2023?", "5b309faa-da5e-483f-8033-c5d9b0cb85ae": "How does the loan-to-value ratio classification of commercial mortgage loans change from 2022 to 2023 for loans with a ratio of 40% - 60%?", "9186e3cc-b153-4d59-8363-d543bd391e6a": "What percentage of the total commercial mortgage loans did the Pacific region represent as of December 31, 2023?", "e7defe44-9e75-4716-ae7b-ad318f0bfb24": "Which property type had the highest dollar amount in commercial mortgage loans as of December 31, 2023?", "2ff644b1-023c-452e-8d48-b21fe13a48e9": "What were the write-offs of commercial mortgage loans for the year ended December 31, 2023, according to the document?", "70cdc7d6-03b7-43b4-8685-9bc873893318": "How many million dollars in commercial mortgage loans were classified as having a loan-to-value ratio of < 40% in 2022?", "6261173b-7ec3-446c-9810-dc1e01e7ad78": "What is the trend in the total amount of commercial mortgage loans from December 31, 2022, to December 31, 2023?", "a04ba8a9-8464-44fb-bba5-f099586b3bca": "Which U.S. region saw a decrease in commercial mortgage loans from 2022 to 2023, and by how much?", "6a865b02-1ed9-456f-8e04-5cc85a9918b1": "What is the loan-to-value ratio based on, as mentioned in the document?", "6ea20ed8-49c1-4248-8d76-6f3fd1356ddf": "How did the amount of loans for the hotel property type change from December 31, 2022, to December 31, 2023?", "7095400b-4046-4c3e-adbf-67c7a28cb864": "What was the total investment in syndicated loans for Ameriprise Financial, Inc. as of December 31, 2023?", "07168891-b93c-462f-9c31-c039dc0f50da": "How did the amortized cost basis of syndicated loans change from 2022 to 2023 in terms of internal risk ratings?", "3a9e4e1b-2b82-442c-95e0-37cc02a49168": "What is the primary risk factor associated with loans offered to financial advisors by Ameriprise Financial, Inc.?", "fef62325-fcd1-46aa-9f0f-c8d42e5021cb": "As of December 31, 2023, what was the allowance for credit losses related to terminated advisor loans?", "6b1090dd-933d-4d52-b626-fbb228996349": "How many syndicated loans were classified under Risk 1 as of December 31, 2023?", "631194f3-a957-4101-89d7-60ed20202c10": "What are the two primary credit quality indicators used to assess the risk of loss on residential mortgage loans?", "5b0866f1-30d7-4499-becc-3ccb2ee61cca": "What was the total amount of advisor loans for Ameriprise Financial, Inc. as of December 31, 2023?", "1764e53c-c77d-42e6-a10b-18fdbb1fd218": "How many terminated advisor loans were recorded as of December 31, 2023?", "1487a843-4507-4ac3-8c87-befac538cef6": "What was the write-off status of both syndicated loans and advisor loans for the year ended December 31, 2023?", "80351aea-2f44-41e9-8f52-7a2e899c690a": "How does the Company categorize its syndicated loan portfolio in terms of risk ratings?", "52efd2ea-c23c-4ead-a90a-41081edcedfa": "What are the primary credit quality indicators used in the model for projecting the Company's risk of credit loss in residential mortgage loans?", "5b138332-fdf5-477e-8afa-365fb2ce124b": "As of December 31, 2023, what was the amount of residential mortgage loans that were over 30 days past due?", "c213db77-1f38-43cf-a256-077e0ebe60b3": "How did the delinquency rates for residential mortgage loans change from December 31, 2022, to December 31, 2023?", "5c0aac8e-de88-41c5-8b4f-5bbbf7ade8b3": "What was the amount of residential mortgage loans over 30 days past due as of December 31, 2022?", "21f47e7a-0f8d-47a6-bc2a-27865d0d7524": "Were there any material write-offs of residential mortgage loans for the year ending December 31, 2023?", "2a33096b-dfb5-4482-bdfb-e7072e7e9ca0": "What geographic location factors are considered in the credit quality indicators for residential mortgage loans?", "539d8184-05ce-4cc9-b0a8-00adc674e1f4": "How does the Company measure delinquency rates for residential mortgage loans?", "a90b9006-d4fb-4326-ae17-af07e00755a9": "What was the total amount of residential mortgage loans over 30 days past due in 2023 compared to 2022?", "2821d270-0de9-48dc-8121-b8bcea463982": "What does the model project regarding the Company's risk of credit loss over the life of the residential mortgage loan portfolio?", "0f0e5853-a43f-431e-9288-53c0099f0cc4": "How significant were the write-offs of residential mortgage loans for the Company at the end of 2023?", "41ac560b-bd62-4d88-97f1-22a16b60b39b": "What is the total amortized cost basis of residential mortgage loans for the year 2023 as reported by Ameriprise Financial, Inc.?", "6fbe414d-5045-424c-9167-c558ed91d978": "How does the concentration of credit risk for residential mortgage loans differ between Minnesota and other U.S. states as of December 31, 2023?", "9455856c-fc36-466a-ba01-912a167ebb8a": "What percentage of credit card receivables were over 30 days past due as of December 31, 2023?", "f77e76f6-a756-48ee-9dc0-e6fc23ea38ad": "What is the FICO score range that corresponds to the highest total amortized cost basis of credit card receivables in 2023?", "1c0bf995-4979-4af5-9cde-eae8de4e4be9": "How many millions of dollars in residential mortgage loans were originated in the FICO score range of 720-739 for the year 2022?", "eaef4b78-d6a2-49c9-88f1-9e0e8be52b78": "What is the trend in the total amortized cost basis of credit card receivables from 2022 to 2023?", "1afe3137-14d2-45a1-9a9d-8d3a34736295": "What is the allowance for credit losses related to policy loans according to the document?", "d9168d4e-0c83-462b-82c6-6a2e48a83040": "Which FICO score category had the lowest total amortized cost basis of residential mortgage loans in 2023?", "5498774c-a7c8-44ed-8cb8-ce1342c19496": "How many millions of dollars in credit card receivables fall under the FICO score category of < 650 for the year 2022?", "d58e10bf-98ef-46d7-9520-736bdace19df": "What was the total amortized cost basis of residential mortgage loans for the FICO score category of 780-809 in 2021?", "59fb982e-878b-420f-ac4e-caa199f61237": "What was the balance of margin loans for Ameriprise Financial, Inc. as of December 31, 2023?", "8e7ea8aa-9fe3-4538-aa57-3fd7e98ad473": "How does the Company mitigate the risk of loss associated with margin loans and pledged asset lines of credit?", "7495d48a-e581-4f23-89d1-e858d015956a": "What was the allowance for credit losses on deposit receivables as of December 31, 2023?", "c8f33b5d-3d25-490b-9e3e-cbbc29c8302c": "What percentage of the death benefit liability does the Company generally reinsure for new term life insurance policies beginning in 2001?", "968be7cd-9fe3-4bc7-8472-96d32af33fd7": "What is the maximum amount of life insurance risk that Ameriprise Financial will retain on a single life?", "b1356ded-bf72-4f54-bb6f-5785d8d42df2": "How does the reinsurance agreement for RiverSource Life Insurance Company differ for policies issued on or after July 1, 2021?", "7e0e1a89-4009-411c-8150-4138b712443a": "What type of reinsurance basis is used for most term life policies starting in 2001?", "a3069964-7da0-4482-a0b4-d593f076ab06": "What is the risk retention amount for the Company on disability insurance policies sold on policy forms introduced in most states starting in 2007?", "4360234a-12be-4473-8fc5-003c3f9642dc": "As of December 31, 2023, what was the balance of pledged asset lines of credit for Ameriprise Financial, Inc.?", "025e3299-cb0c-484a-8a38-94a1e83960c5": "What rights does the Company have under the reinsurance agreements with Genworth Financial, Inc. regarding risk recapture?", "33549955-b3a4-4377-a1ea-2b0e2eb753b4": "What percentage of risk does the Company cede to Genworth Financial, Inc. for existing LTC policies?", "ea035208-1bce-4406-a354-9d99ebca6db5": "For which years does the reinsurance arrangement with Genworth apply for RiverSource Life of NY?", "16795df2-5b0f-4674-95c4-969e23eebf3a": "What is the maximum amount of risk the Company retains per month for DI policies sold on forms introduced in most states starting in 2007?", "6f1cf3c1-aed5-4b30-af68-734a40911c02": "What type of claims does the Company retain all risk for regarding DI contracts sold prior to 2007?", "a9e4293d-2aee-4650-8c35-6ba36814cf1b": "As of December 31, 2023, what was the total amount of traditional life and UL insurance policies in force?", "a99576ce-9267-4ea2-985c-f97a38821995": "How much of the traditional life and UL insurance policies in force were reinsured as of December 31, 2022?", "79af6fd4-64ac-4fb8-ab0e-49709ebbc492": "What specific types of claims does the Company retain all risk for, aside from new claims on DI contracts?", "c0a775c3-0eaf-4aa1-8e02-ec1bc6fc2c60": "What is the significance of the reinsurance arrangement for RiverSource Life of NY in terms of the percentage of total in-force policies?", "2738f30f-c28d-4037-829b-16a3a5c87e3e": "How does the Company manage the risk associated with accidental death benefit claims?", "91e9fe9e-3112-4ce0-ade4-5a05595e67a2": "What is the trend in the total amount of traditional life and UL insurance policies in force from December 31, 2022, to December 31, 2023?", "4b6d60d7-44c6-452a-b1cd-1149f28415e9": "What was the net premium amount for Ameriprise Financial, Inc. for the year ended December 31, 2023?", "fa101bff-5479-410a-b9ed-2b81a56a5ffa": "How much did Ameriprise Financial recover through reinsurance claims for the year ended December 31, 2022?", "bafc22d8-b836-480f-87f2-512765a0cd67": "What is the total carrying amount of indefinite-lived intangible assets for Ameriprise Financial as of December 31, 2023?", "49a207b7-e77c-4058-824b-2a5624b902f7": "Did Ameriprise Financial record any impairments of indefinite-lived intangible assets for the years ended December 31, 2023, 2022, and 2021?", "53bfbe9f-fa9c-4ab7-9142-26fc9d237f4d": "What were the reinsurance ceded amounts for traditional long-duration products for the years ended December 31, 2021, and 2022?", "12ed96a4-ac63-4ee7-8d7f-eca941adefd5": "How much goodwill was reported in the Asset Management segment of Ameriprise Financial as of December 31, 2023?", "408b4f2e-fef2-4d24-b507-d8440527b2e7": "What adjustments were made to the carrying amount of goodwill for the Advice & Wealth Management segment from January 1, 2022, to December 31, 2023?", "8b371469-ff01-467a-a398-baea6f35f39d": "What was the accumulated amortization for customer relationships as of December 31, 2023?", "234dec66-dcf4-437a-b3d6-7025c79aa37c": "How much did Ameriprise Financial report in reinsurance recoverables as of December 31, 2022?", "0ffd8b9f-b94e-4112-9c7e-1fb1f051509c": "What were the net carrying amounts of definite-lived intangible assets for Ameriprise Financial as of December 31, 2023, compared to December 31, 2022?", "c8962fe2-b477-49fb-a7ce-c50c01eedf2a": "What arrangement did Ameriprise Financial, Inc. close with Comerica, Inc. on November 6, 2023?", "6366a3b4-3d5e-496b-b2b1-00f33ddf8dc1": "How much did Ameriprise Financial, Inc. pay for Comerica's customer lists?", "de846916-b8d5-47e9-aa44-86973d47dc8e": "What was the weighted average amortization period for the definite-lived intangible assets acquired by Ameriprise Financial, Inc. in 2023?", "46b70dd6-fb65-4931-91bf-94a0f50de495": "What were the aggregate amortization expenses for definite-lived intangible assets for the years 2021, 2022, and 2023?", "020e68b7-b2b3-4a0b-a0ed-2af38289f5a9": "How much impairment of definite-lived intangible assets was recorded by Ameriprise Financial, Inc. for the year ended December 31, 2023?", "dd6c376e-825b-4fe5-b753-3850c1bd8318": "What is the estimated intangible amortization expense for Ameriprise Financial, Inc. for the year 2025?", "4c9b0128-d4a1-4342-b827-484acb4b6c3e": "What was the pre-adoption balance of Deferred Acquisition Costs (DAC) for Variable Annuities at December 31, 2020?", "dd7405a0-6ec1-4435-bcae-1d4c35dc2743": "How much was capitalized in acquisition costs for Fixed Indexed Annuities during the year ended December 31, 2021?", "2ecf0f9f-21e2-4a17-a37f-e87a6028507b": "What was the total balance of all products, including broker dealer acquisition costs, at December 31, 2021?", "5eb68de8-bf4c-4b68-8149-5d79821bfc22": "What effect did shadow reserve adjustments have on the post-adoption balance of Indexed Universal Life Insurance on January 1, 2021?", "8a283363-f697-4633-84b1-23c68473697a": "What was the balance of Variable Annuities at the beginning of 2022 according to the document?", "e5096cf6-4490-4343-915a-01af98e33979": "How much was capitalized in acquisition costs for Fixed Indexed Annuities in 2023?", "c3af4604-7bf1-4e8c-8d35-c25bcdc11ac5": "What is the total balance of all products at December 31, 2023, including broker dealer acquisition costs?", "f9b83ffd-6add-4c73-9eca-0190618f72b7": "What was the amortization amount for Universal Life Insurance in 2022?", "bd09d3e1-93d5-4599-a30c-f0538aa4d2a5": "How did the balance of Indexed Universal Life Insurance change from January 1, 2022, to December 31, 2023?", "6a92778a-156d-44b4-9bf2-1eb8165321d6": "What were the effects of shadow reserve adjustments on the total balance of all products as of January 1, 2021?", "3413d3c1-76b4-4aa9-8739-275295955184": "How much was amortized for Disability Income Insurance in 2023?", "597a4579-32f9-41d2-9ed5-e45ff7aba6fb": "What was the balance of Structured Variable Annuities at the end of 2022?", "37e37995-3c54-4b03-9610-ef80ee4173d2": "What is the total capitalization of acquisition costs for all products in 2023?", "e9d94072-86ca-4312-b21c-b62f904ce554": "How did the balance of Life Contingent Payout Annuities change from January 1, 2022, to December 31, 2022?", "46afdb67-70d0-4920-a52b-e8b86fa038c6": "What were the total policyholder account balances, future policy benefits, and claims as of December 31, 2023?", "68e5f81e-5402-4b06-ad22-61aef8dd5520": "How much did the amortization of variable annuities amount to in 2023?", "eaac900d-1df9-4290-8804-3a4286ee2247": "What types of annuities does Ameriprise Financial, Inc. offer according to the document?", "7e64024a-1151-45a3-876b-4d2de01fc63d": "What is the balance of policyholder account balances as of December 31, 2022?", "53827de5-9420-49b5-80ba-2f1fab7f7666": "What guarantees are typically included in the variable annuity contracts issued by the Company?", "cdcc948e-42a2-4d71-a661-76380e97241d": "What changes occurred in the capitalization of sales inducement costs from January 1, 2022, to December 31, 2022?", "caf4782e-8bb2-46ae-9f56-4db6697c1628": "What is the total future policy benefits amount as of December 31, 2023?", "ce0ad690-329d-4707-b3a0-986e57eea04d": "What are structured variable annuities and how do they differ from traditional variable annuities?", "04fd7d94-59f8-40f2-86f6-d10343a182c6": "What types of contracts were discontinued by the Company in 2020?", "242e74c6-481e-4ecf-9b60-de756dac0ac5": "How does the Company hedge the equity and interest rate risk related to the indexed account in structured variable annuities?", "f0d07f0b-73dd-4648-b1bf-4c2f58901102": "What types of insurance policies does Ameriprise Financial, Inc. offer according to the document?", "4c7a7a29-f36a-4489-b51e-4aac2375b4a7": "How does the indexed account in an Indexed Universal Life (IUL) policy determine the credited interest rate?", "ed7c0b66-714f-44a9-8db6-32ed29c9071c": "What is the purpose of the embedded derivative created by the contractholder's allocation to the indexed account?", "fb73c49f-59fe-41fc-a6b1-bac32e2abf45": "What are the key components included in the insurance liabilities mentioned in the document?", "2f3e0d87-a038-465d-85d6-825e3f7bcced": "How does the Company hedge the risks associated with the indexed accounts in IUL policies?", "8faa3e89-7692-4049-833a-a415a87829b4": "What distinguishes Variable Universal Life (VUL) policies from Universal Life (UL) policies in terms of investment options?", "621fe061-7581-4738-a21a-9659cfc07012": "What types of derivative instruments does the Company use to manage risks related to indexed accounts?", "71a176ce-80ec-4612-a67f-f4894cc920cc": "What is the status of standalone Long-Term Care (LTC) products offered by the Company?", "5d412e2b-9673-46b8-83a5-eb75c8350001": "What are the obligations included in the insurance liabilities for the Company?", "dd67a95a-4ca0-4623-a154-f11e0ec1f512": "How are the assets held in separate accounts for VUL policies managed according to the document?", "230336ba-86e6-4b35-bfc1-5d6a601bdfe6": "What was the balance of Variable Annuities at the beginning of the year 2023 for Ameriprise Financial, Inc.?", "3947cc2c-77fa-4aa3-92c4-aa1411baa2eb": "How much did the contract deposits for Structured Variable Annuities amount to in 2023?", "61dde274-8fb4-405b-ad2c-00dcfd8fee63": "What was the total cash surrender value for Fixed Indexed Annuities at the end of 2023?", "4a32c44c-d3cf-4071-bf50-703a073133e5": "What was the weighted-average crediting rate for Indexed Universal Life Insurance in 2023?", "0f1b1ddc-d05e-4d87-8919-0d4d3eb492a8": "How much did surrenders and other benefits reduce the balance of Non-Life Contingent Payout Annuities in 2023?", "e2ca9dc0-f43e-42cc-858e-9288c1f92133": "What was the net transfer from (to) separate account liabilities for Variable Universal Life Insurance during 2023?", "e329425c-cb8e-4b13-b1e3-9350b498f919": "How much interest was credited to Fixed Annuities in 2023?", "a79d373f-d629-4a17-8af6-4b713613a897": "What was the total balance of all products at Ameriprise Financial, Inc. at the end of 2023?", "af834f5d-e6aa-4632-acd7-e5aca3d3b6aa": "What was the cash surrender value for Variable Universal Life Insurance at the end of 2023?", "2e0ba6af-7dad-46ee-b5cb-0825822ad83c": "How did the balance of Structured Variable Annuities change from January 1, 2023, to December 31, 2023?", "59939594-0abf-4735-a8c4-312a1e2bfe3a": "What was the balance of structured variable annuities at the beginning of the year 2022?", "6e444db8-a046-4198-a0b3-42c48ae59189": "How much did the contract deposits for fixed indexed annuities amount to in 2022?", "419e9897-2e4c-4f2d-b527-20b153c75614": "What was the total cash surrender value for all products at the end of 2022?", "333ea35e-6b79-4b59-930d-eb159d807fe5": "What is the weighted-average crediting rate for variable universal life insurance as of December 31, 2022?", "12703f54-ac91-49ab-9777-8dd8376d5529": "How much did surrenders and other benefits reduce the balance of fixed annuities in 2022?", "23ff9f4f-d3aa-47ce-82ed-801e6abcc332": "What is the net amount at risk for indexed universal life insurance products?", "05fbfcb9-71f8-48a3-90a1-9d9cb783a8cc": "How did the balance of non-life contingent payout annuities change from January 1, 2022, to December 31, 2022?", "80d92fff-d4af-4efc-ab3c-017b998d68be": "What were the policy charges for variable universal life insurance during 2022?", "7a3f6590-66ae-4722-ab11-3b174b053148": "What adjustments were made to variable account index-linked for structured variable annuities in 2022?", "d782359c-0fdc-4566-bfd3-c03bca69933c": "What is the significance of cash surrender value as mentioned in the document?", "f726d9e2-641a-4222-ae9d-f3df85425797": "What types of financial products are detailed in Ameriprise Financial's consolidated financial statements as of December 31, 2023?", "f5524f1f-8a39-43a5-813d-b2870e4a1e2d": "How are the account values of fixed deferred annuities categorized based on guaranteed minimum interest rates (GMIRs)?", "bb17e1de-c144-4ecc-ae6a-43430c351efb": "What is the total account value for fixed accounts of variable annuities as of December 31, 2023?", "9ff48fef-e11b-4f2e-86c5-e0905dbd21cd": "What percentage of account values is subject to rate reset according to the document?", "a6767249-8bf9-41cd-b62d-cf71a79330ae": "How many account values fall within the range of 1% to 1.99% above the guaranteed minimum for fixed annuities?", "26ce12cb-28c4-415e-bc13-ff7811b53edb": "What is the total account value for universal life insurance policies as of December 31, 2023?", "db522190-eb4e-467a-9fba-08acb69e796c": "Which category of fixed indexed annuities shows account values in the range of 1% to 1.99% above the guaranteed minimum?", "32fa4c90-cb7a-4916-849a-601b06609981": "What is the total account value for fixed accounts of structured variable annuities as of December 31, 2023?", "a317f933-902b-4fc7-b6e1-3f4bc285b4d6": "How does the account value for fixed annuities compare between the ranges of 100-150 bps and 50-99 bps above the guaranteed minimum?", "99ea0ce1-9bed-468f-bb7d-740ff751d5d0": "What is the significance of management's discretion in resetting rates for the account values mentioned in the document?", "a78e61b8-bcb0-409f-a5cc-9fe8002f4c3a": "What is the total account value for fixed accounts of variable universal life insurance with guaranteed minimum crediting rates of 1% to 1.99% as of December 31, 2022?", "787eb2f8-7894-40da-ad67-f3efb51fc7f6": "How many million dollars are allocated to non-indexed accounts of indexed universal life insurance with crediting rates between 2% and 2.99%?", "856ea1ab-be35-4734-8a9c-6926dae7db86": "What percentage of total account values for fixed accounts of variable universal life insurance resets in the next 12 months?", "19de497d-f225-43ac-bf75-020e496046a1": "What is the total account value for other life insurance with guaranteed minimum crediting rates of 4% to 5.00%?", "31e89317-c1b5-4d2c-8d0b-67da43e03e3c": "How many million dollars are represented in the category of fixed accounts of variable annuities with crediting rates of 3% to 3.99%?", "1bae0fcc-6268-47ce-b4c0-0f89fb1b2dd7": "What is the range of guaranteed minimum crediting rates for the total account values listed in the document?", "a9b356ec-e4a1-4c49-9108-24a0c5308f1d": "What is the total account value for all categories combined with crediting rates greater than 150 basis points above the guaranteed minimum?", "c0aa6a40-4453-4523-a9f2-abcb247d113a": "How does the total account value for indexed universal life insurance compare to that of variable universal life insurance as of the reporting date?", "14bd782e-5246-42b0-88a4-5db7eb116837": "What is the total account value for fixed accounts of variable universal life insurance with crediting rates of 2% to 2.99%?", "5f0c3649-d35a-499c-bb13-cf6f72c6f5b9": "What percentage of total account values for fixed accounts of variable universal life insurance resets in more than 24 months?", "0f5b19e1-b3a7-4e39-a886-d68e2303229f": "What is the total account value for fixed accounts of variable annuities as of December 31, 2022?", "59530947-175e-4b11-8370-755e2a59197c": "How many account values fall within the range of 1% to 1.99% guaranteed minimum crediting rates?", "8b1dfca7-2256-43fd-88b3-6b7ffbae8d61": "What is the amount in millions for accounts with a guaranteed minimum crediting rate of 3% to 3.99%?", "87ee05a2-d300-4a05-8d57-be60a281c40c": "Which range of guaranteed minimum crediting rates has the highest total account value?", "e0175b02-8347-40f0-a3cd-b7b3880a5404": "How many accounts have crediting rates greater than 150 bps above the guaranteed minimum?", "63ae5fb7-cffd-43e7-b6a0-fd600c978c09": "What is the total amount for accounts with a guaranteed minimum crediting rate of 2% to 2.99%?", "d5e889bc-109a-4d11-8c71-b8021dadec3f": "What is the significance of the \"bps\" mentioned in the document regarding crediting rates?", "3e14b004-f960-4bad-a02e-6c47ac951f87": "How many accounts have a guaranteed minimum crediting rate of 4% to 5.00%?", "a101064d-4a3d-49f2-be42-79f220546066": "What is the total value of accounts with crediting rates between 50 and 99 bps above the guaranteed minimum?", "a66be4ca-e924-4d06-a933-4e5eb8fd9bbd": "What percentage of the total account values is represented by accounts with a guaranteed minimum crediting rate of 1% to 1.99%?", "c647b1b9-52ca-466d-bd6f-31449fbb9d86": "What types of financial products are included in the account values with crediting rates section of Ameriprise Financial, Inc.?", "f4951f5b-6a52-4453-851c-7499f4274a3c": "How much total value is represented in fixed accounts of structured variable annuities with a guaranteed minimum crediting rate of 1% to 1.99%?", "36a5f60d-ace8-4298-a78c-141e9029c8ac": "What is the total amount for fixed annuities with crediting rates greater than 150 basis points above the guaranteed minimum?", "9307c783-bd92-4c47-83eb-3037b8b99119": "How many million dollars are allocated to non-indexed accounts of fixed indexed annuities with a crediting rate of 3% to 3.99%?", "d340585a-15ec-4015-a289-4d4d4deb7cbb": "What is the total value of universal life insurance accounts with a crediting rate of 2% to 2.99%?", "44cc583f-eec8-4e24-94b7-102a0807b009": "Which category of accounts has the highest total value in the range of guaranteed minimum crediting rates?", "fbaf6b6e-f1a5-4dac-a307-6609f1cdaa9b": "What is the total amount for fixed accounts of variable universal life insurance with a crediting rate of 1% to 1.99%?", "4a7e4aa4-f9e2-4188-9f1b-7154bea687c5": "How many million dollars are represented in non-indexed accounts of indexed universal life insurance with a crediting rate of 1% to 1.99%?", "df016b3d-2948-41cb-8c97-3fa0d4731fc2": "What is the total value of accounts with crediting rates of 4% to 5.00% across all categories listed in the document?", "ac0f6bcb-3469-4ba0-be13-15b04cc41584": "How does the total value of fixed annuities compare to the total value of fixed accounts of structured variable annuities?", "f5764e77-6aa2-489f-9cb8-51b3cdf5a374": "What is the total account value for life insurance policies with guaranteed minimum crediting rates of 4% to 5% at Ameriprise Financial, Inc.?", "74945bac-81ca-4d3d-805d-8ddcd3228f16": "How many account values are categorized under the range of 100 to 150 basis points above the guaranteed minimum?", "8c250ef3-e59e-4353-b923-68793807c751": "What percentage of total account values is expected to reset in the next 12 months for policies with crediting rates greater than 150 basis points above the guaranteed minimum?", "bae15cbf-0bb1-46af-b25b-63d1b7ee01e8": "What was the pre-adoption balance for long-term care insurance at Ameriprise Financial, Inc. as of December 31, 2020?", "64696b24-d106-4b93-8cb1-9ead02c4e70e": "How much was the effect of shadow reserve adjustments on the total liability for future policy benefits?", "82bac5c3-8895-4230-a4bd-e8b04cdab767": "What adjustments were made for loss contracts under the modified retrospective approach, and what was their total value?", "3e927593-affe-451a-9641-3b082b02d832": "What is the post-adoption balance for term and whole life insurance after accounting for reinsurance recoverable as of January 1, 2021?", "3fa4a0d1-7423-4ad9-b3b3-5643cfb0fbf5": "What is the total amount of reinsurance recoverable for all products listed in the document?", "9f928922-40f7-4422-86db-e0545f55124e": "How did the remeasurement of the liability at the current single A discount rate affect the total liability for future policy benefits?", "5b5a0943-1091-4792-a4c3-090872b4ff7f": "What is the total value of account policies with crediting rates between 1% and 1.99% at Ameriprise Financial, Inc.?", "281897b8-316f-4500-8eab-7d1d663a86e3": "What is the total present value of expected net premiums for all products at the end of 2021?", "2260a452-d258-4808-b7d1-95289912b6e6": "How much did the effect of changes in cash flow assumptions impact the present value of expected net premiums for long-term care insurance?", "13908551-c3b3-4f58-8f0c-487753567c2e": "What was the balance of the present value of future policy benefits for whole life insurance at January 1, 2021?", "b67b72a6-05bd-46c5-be35-c51df55b2797": "What is the weighted average interest accretion rate for disability income insurance?", "9ab72367-64e8-4d06-8207-200d2146400d": "How much did the net premiums collected for term life insurance amount to in 2021?", "5e2004f4-74c1-4e85-aa17-a547d6e54dc2": "What was the ending balance at the original discount rate for total life contingent payout annuities at December 31, 2021?", "a3e96967-d599-4bce-8f85-e0f0edd72d54": "How does the net liability for future policy benefits after reinsurance recoverable compare across different insurance products?", "3c20f374-20aa-4ee2-bd58-998a0a24ab27": "What was the effect of actual variances from expected experience on the present value of future policy benefits for term life insurance?", "24582f25-c6d2-4227-8d95-d4994cf49886": "What is the expected future gross premiums amount for long-term care insurance?", "d5009c6f-0ad3-4728-98af-f60b2f62af47": "What was the weighted average duration of liability for all products combined?", "8c8e85fe-3298-4719-95b9-a12517e0304a": "What is the total present value of expected net premiums for all products as of December 31, 2022?", "ef82b51a-93ca-4bae-97c2-f72ebfbdb32c": "How much did the net premiums collected amount to for term and whole life insurance in 2022?", "9a690eb1-ead7-488f-ae97-c5d4cb2ef6cf": "What was the effect of changes in cash flow assumptions on the present value of expected net premiums for long-term care insurance?", "d7d0eb4c-32b5-4616-a3a9-7e79e4f9e25a": "What is the weighted average interest accretion rate for disability income insurance?", "cb78c804-6029-4212-b0bb-dd13fb752966": "How much did the benefit payments total for life insurance in 2022?", "f06d388a-9964-4943-a19a-67e303e74ced": "What is the net liability for future policy benefits after reinsurance recoverable for whole life insurance?", "38e5d110-cf32-4547-bd31-797ff6378111": "What adjustments were made due to reserve flooring in the document?", "dfa670c3-d1cd-443e-815f-79a193c097c9": "What was the ending balance at the original discount rate for term and whole life insurance as of December 31, 2022?", "986ecc7d-44c0-4252-8200-9b43f4e579db": "How does the expected future gross premiums for long-term care insurance compare to that of disability income insurance?", "c2dd5cd3-7563-4ba0-9225-66cda5d91b1f": "What was the effect of actual variances from expected experience on the present value of future policy benefits for term and whole life insurance?", "6e749588-aace-4aee-9610-45135507a85b": "What is the total present value of expected net premiums for all products at the end of 2023?", "addbc6ee-39c7-43b6-9107-04bc43646e43": "How much did the net premiums collected for long-term care insurance amount to in 2023?", "a8f8e573-dc2c-47dc-bcda-303a7129ef36": "What was the effect of changes in cash flow assumptions on the present value of expected net premiums for term life insurance?", "4d0ca571-6eef-4ed2-8601-b0abe275239a": "What is the balance of the net liability for future policy benefits for whole life insurance after reinsurance recoverable?", "62dd17a3-7e3b-4754-b1dc-39b5569847c5": "What was the beginning balance at the original discount rate for disability income insurance on January 1, 2023?", "7732f512-e053-484c-8a78-4bbd4dc60fd2": "How much did the interest accrual contribute to the present value of future policy benefits for term life insurance in 2023?", "f21b4634-8dd0-4326-b80b-bb6323e463a6": "What is the weighted average interest accretion rate for long-term care insurance?", "02ca3f01-9abe-4e9a-8e5f-2b33b210c168": "What adjustments were made due to reserve flooring for the total present value of future policy benefits?", "9d395eb9-6adb-4b77-beba-18800bf76753": "What were the expected future benefit payments for all products combined in 2023?", "08cea60d-7d89-4f9b-8295-19074fd66186": "How did the ending balance at the original discount rate for whole life insurance change from January 1, 2023, to December 31, 2023?", "d39fd5e2-e9ab-4977-9000-779ae86eecc7": "What was the primary reason for the net decrease in future policy benefit reserves in the third quarter of 2023 for Ameriprise Financial, Inc.?", "9377a2bc-4b21-4d37-bf6e-1cba38025bfb": "How did the annual review of policy benefit reserves assumptions in 2022 impact the future policy benefit reserves compared to 2021?", "16c7fe8c-fc21-4ac9-b2c1-aaa3eeb5003f": "What were the total balances of additional liabilities related to insurance guarantees at the beginning of 2023?", "468ee5b9-a262-488d-aac5-51ff7dc363ac": "What is the weighted average interest accretion rate for Variable Universal Life Insurance as of December 31, 2023?", "262f33f3-72c3-464b-af02-e904f5c3d6c9": "How much in benefit payments was recorded for Universal Life Insurance in the year ending December 31, 2022?", "6645aae2-dbdf-41b6-af4e-a2f62c6a9465": "What effect did actual variances from expected experience have on the total liabilities for Other Life Insurance in 2023?", "ff0d8e6e-598f-4606-9895-22f2d5ac7e2f": "What was the total gross premium revenue recognized for long-term care insurance in 2021?", "9f155aae-8a99-46c4-a943-4953637af6ba": "How did the balance of Universal Life Insurance change from January 1, 2022, to December 31, 2022?", "c7b4e4a0-b4b3-4617-9f65-812b6c71d1c5": "What was the weighted average duration of reserves for Variable Universal Life Insurance as of December 31, 2023?", "9f0e470a-9118-4924-a057-f6fdcdaa6d1f": "How much interest expense was associated with term and whole life insurance in the year ended December 31, 2023?", "4cd8f4cd-3405-4acd-8db7-5a843237515e": "What was the pre-adoption balance of unearned revenue for Universal Life Insurance as of December 31, 2020?", "2776da78-3f78-48c3-a5fc-c23a7f5a46dd": "How much was the total unearned revenue after the adoption of ASU 2018-12 on January 1, 2021?", "f679216c-0781-4aa7-b799-937e6f3b7946": "What adjustments were made to the Indexed Universal Life Insurance balance due to shadow reserve adjustments?", "3688421c-2f32-4870-891e-2230a5f01900": "What was the total deferral of revenue for all products by December 31, 2022?", "95dd0373-444d-4e2a-91d4-f8a9fa06d7c9": "How did the balance of Variable Universal Life Insurance change from January 1, 2023, to December 31, 2023?", "99bcb421-4d3f-4a79-9ecc-983394e628c0": "What was the aggregate fair value of separate account assets as of December 31, 2023?", "1c976b83-a868-4f4f-bad4-e86d72c4e70c": "Which asset category saw a decrease in value from December 31, 2022, to December 31, 2023, and by how much?", "8b2fb7c9-db96-42e0-a86c-93621cc69e27": "What was the total amount of amortization for Indexed Universal Life Insurance by December 31, 2023?", "7f329cdf-2c24-43cb-a5e9-e279c55d147b": "How much revenue was deferred for Variable Universal Life Insurance in the year ending December 31, 2023?", "5968ff5e-d853-4c23-a64c-45ac13904b05": "Were any gains or losses recognized on assets transferred to separate accounts for the years ended December 31, 2023, 2022, and 2021?", "229408c8-4776-4357-a2f1-e0f83d88e2e5": "What were the total separate account liabilities for Ameriprise Financial, Inc. at the end of 2023?", "20d1cae3-12be-4ac4-9e1f-30ca3f3e8477": "How much did Ameriprise Financial, Inc. receive in premiums and deposits for variable annuities in 2023?", "74ffeb46-436a-4d20-be00-56a8444470b5": "What is the cash surrender value for variable universal life insurance at the end of 2023?", "d586e596-d290-41c8-9346-b78c6ea13df0": "Describe the GMDB provisions offered by Ameriprise Financial, Inc. for their variable annuity contracts.", "04c1e263-bd66-4f1a-bf04-deba83b61bff": "What changes occurred in the balance of unitized pooled pension funds from January 1, 2022, to December 31, 2023?", "b0799090-108a-466b-9f5d-3a94561269e5": "How did the investment return for variable annuities in 2022 compare to that in 2023?", "ee7f7836-cd32-4efa-bcff-a1df3969d9cb": "What are the different types of market risk benefits mentioned in the document, and how do they affect the contractholder?", "25156198-37ac-4f84-a870-113a2dff116b": "What was the total amount of surrenders and other benefits paid out by Ameriprise Financial, Inc. for variable universal life insurance in 2023?", "fe2626d3-fad4-4f73-a77e-73fd2c23f662": "Explain the \"reset\" provision in the GMDB features of variable annuity contracts and its current status.", "25f02894-6da8-4c33-a6a6-7a6cb4ac45ab": "How did the cash surrender value for unitized pooled pension funds change from the beginning of 2022 to the end of 2023?", "0d614f82-3ea7-40b6-a385-9b178a421db2": "What types of riders are mentioned in the Ameriprise Financial, Inc. document regarding variable annuity contracts?", "16bc7b76-3df2-46fc-a1f0-381bcb5ccdaa": "How does the GMAB rider guarantee the contract value at the end of the 10-year waiting period?", "71e28fe6-b12e-4207-81d2-3079f21a9c52": "What is the definition of the net amount at risk for GMDB and GMAB according to the document?", "c282f3f7-429c-4a25-bd82-acc591e50bb2": "What adjustments were made to the pre-adoption balance of market risk benefits on January 1, 2021?", "e299ad7d-a183-46ab-a889-73cf12f77b8c": "What is the significance of the \"GMWB for life\" provision in the context of the GMWB riders?", "c378f1ea-3466-418b-ad76-d3702dc74697": "How are withdrawals determined based on the age withdrawals begin, as stated in the document?", "70d9db63-7c5f-4db8-93a7-bedf301f858d": "What was the post-adoption balance of market risk benefits at January 1, 2021?", "3d8c5232-484b-44a9-b2a3-1815a7a851bb": "What is the impact of the cumulative effect of changes in instrument-specific credit risk on market risk benefits?", "16eb592b-2a25-4269-bd9f-ff8ad101e113": "How does the document define the net amount at risk for GMWB?", "1c196858-e3e6-4780-b6d0-1d931733b248": "What are the implications of the adjustments for differences between previous carrying amounts and fair value measurements for market risk benefits?", "2c650faa-0298-4284-8943-2a998d8f6c59": "What was the balance at the beginning of the period for Ameriprise Financial, Inc. in 2023?", "9cfb14ef-38c1-43ae-8fac-9ffeb725a62c": "How much did Ameriprise Financial, Inc. issue in new reserves during the year ended December 31, 2023?", "b629e6b5-5e25-43a7-bdfa-0ffbc3654eb9": "What was the effect of changes in equity markets on the reserve balance for Ameriprise Financial, Inc. in 2023?", "f277366f-9353-4642-b6fc-b252e48686e9": "What is the weighted average attained age of contractholders for Ameriprise Financial, Inc. as of December 31, 2023?", "0efaee30-e457-4b0e-adb3-682880f3c631": "What valuation technique was used to measure the fair value of market risk benefits for Ameriprise Financial, Inc.?", "08e66d1b-46e2-4a98-af47-a55a3b0c1979": "How much did the reserve release for benefit payments and derecognition amount to in 2023?", "7701eefd-270c-4765-bf71-19be008d83d5": "What was the net asset (liability) position for Ameriprise Financial, Inc. at the end of 2023?", "d19ea042-a962-40d6-8644-d9d30c390a09": "What range of surrender rates was used in the fair value measurements for market risk benefits?", "6825e17b-705d-4640-84c8-498cb8fb5099": "How did the changes in unrealized losses in net income relate to liabilities held at the end of the period in 2023?", "cdb186cd-1ee1-4c33-8305-c27e7de915e1": "What was the guaranteed benefit amount in excess of current account balances for living benefits as of December 31, 2023?", "b988517e-a186-4bf6-9640-b5d65dccfc2e": "What is the fair value of market risk benefits reported by Ameriprise Financial, Inc. as of December 31, 2022?", "874d7729-da87-4c71-9661-abad1e2bd41e": "Which valuation technique is used to determine the fair value of market risk benefits?", "c30db797-cded-46a0-a2b2-0361b829dfa5": "What are the significant inputs and assumptions that affect the fair value measurements of market risk benefits?", "d4a460dc-c524-4575-9485-be628c96d15c": "How did updates to the utilization of guaranteed withdrawals assumptions impact pre-tax income for the year ended December 31, 2023?", "c8e7658e-77de-49c0-99b7-f27e3d2a97a6": "What was the effect of changes to mortality assumptions on pre-tax income for the year ended December 31, 2022?", "c6cf0fae-8614-4aaa-ac78-51c4f614cdc8": "How are surrender assumptions, utilization assumptions, and mortality assumptions influenced according to the document?", "d061e6a3-b7ce-41ef-b5ef-21750b50dde2": "What classification level do the fair value measurements of market risk benefits fall under due to the significant unobservable inputs?", "8c34e3b5-b4fd-47d2-a018-65805d3fdf8c": "What is the range of the surrender rate used in the fair value calculations for market risk benefits?", "ed1220f0-e7af-4c80-b26c-d0d4a75ae696": "How does an increase in nonperformance risk assumptions affect the liability value of market risk benefits?", "fa1bbb5b-c574-4c6a-a7e5-afda0df2e54d": "What factors contribute to the determination of fair value for market risk benefits as mentioned in the document?", "957275a8-64da-41bc-a135-137ad2d487e5": "What was the total amount of customer deposits for Ameriprise Financial as of December 31, 2023?", "8081a017-f3cd-42c8-a161-0775f169ec49": "How much did the reserves for investment certificates that do not allow for a surrender charge amount to as of December 31, 2023?", "e8cd464a-91ff-47c2-91b9-06e7cf7b30f9": "What are the interest crediting rate terms for fixed rate investment certificates offered by Ameriprise Financial?", "85108cc4-1063-4c0b-ac8d-c6f31b2ef5e9": "What is the outstanding balance of senior notes due in 2024 for Ameriprise Financial as of December 31, 2023?", "be2190b6-685e-4d2d-8ea9-f3ffa788a3b3": "How much did Ameriprise Financial pay in interest on its short-term borrowings from the Federal Home Loan Bank as of December 31, 2023?", "d1a2ecfa-152b-4e62-840c-c9a3dc5e15b5": "What types of deposits are included in the total banking and brokerage deposits for Ameriprise Financial?", "2079df23-05e2-479f-8de2-53cae2bbedc6": "What was the stated interest rate for senior notes due in 2028 as of December 31, 2023?", "addf9de4-3dd6-4538-9529-7f3e7b851f84": "How did the total customer deposits change from December 31, 2022, to December 31, 2023?", "77abe050-ad73-4f86-8016-2977ba66b5f5": "What is the significance of the term \"surrender charge\" in relation to investment certificates at Ameriprise Financial?", "be42658b-2e5d-4670-ab0d-8502b5634ebe": "What was the total long-term debt of Ameriprise Financial as of December 31, 2023?", "a355bad3-37ed-4dcf-a5ea-5b421edc67e6": "What is the interest rate of the unsecured senior notes issued by Ameriprise Financial on March 9, 2023?", "15bf8251-8771-4cca-9097-2ff4e2755cbf": "How much debt issuance costs did Ameriprise Financial incur when issuing the senior notes due May 15, 2033?", "311108a6-e3bd-4f1f-82ce-7b8443383cdd": "What is the total amount of collateralized borrowings accessed by the Company\u2019s life insurance subsidiary as of December 31, 2023?", "3552cc4a-5aec-4fc7-a080-74cf955ed9ef": "When did Ameriprise Financial repay its 4.0% senior notes at maturity?", "27420261-262a-4595-899b-37be985dc615": "What is the expiration date of the unsecured revolving credit facility established by Ameriprise Financial in June 2021?", "8bfdb4a6-30f6-4533-90db-06ecc66910f7": "What interest rate benchmark was used for the credit agreement prior to June 21, 2023?", "72245aba-544f-4851-97c5-07070df27720": "How much was the principal amount of the unsecured senior notes issued by Ameriprise Financial on November 9, 2023?", "09701536-1a8f-4055-a078-15cc94cc8362": "What additional interest rate applies in the event of default under the credit agreement?", "ba76e58e-7ede-45cc-99ef-97302d0eef89": "As of December 31, 2023, how much was the outstanding amount of letters of credit issued against the credit facility?", "6197fdca-3000-4265-b940-3e52a8723188": "What are the semi-annual interest payment dates for the senior notes issued on November 9, 2023?", "a3818a1e-df0a-4757-bd9b-d5e0794b46c9": "What additional interest accrues during a period of default according to the document?", "8506009f-4360-4163-bbe7-08845c68b2a3": "As of December 31, 2023, how much in letters of credit had the Company issued against its credit facility?", "24260dd2-9cfe-46dc-b735-112e53bae28f": "What is the combined credit limit of the uncommitted lines of credit held by American Enterprise Investment Services, Inc. (AEIS)?", "0d031af9-679b-4589-9712-5187e6c3ccea": "Did the Company have any borrowings outstanding as of December 31, 2023 and 2022?", "d4be2580-b806-46bb-8e16-99bdf6af8945": "What are the three levels of the fair value hierarchy defined in the document?", "43a38096-a1c6-4f12-a6d1-845a955e7f38": "How does GAAP define fair value in the context of asset and liability measurement?", "7da396ef-da76-4d6a-bd63-c11374cc110d": "What does Level 1 of the fair value hierarchy represent?", "251d9f49-a084-4249-8e28-f6b039556aa8": "What type of inputs are used for Level 3 fair value measurements?", "4e68c208-d147-481f-a541-e68e97c1f8e3": "Was the Company in compliance with its financial covenants as of December 31, 2023 and 2022?", "00ac95e0-48fb-4b21-b134-88e2b390d3fd": "What is the significance of the exit price in the context of fair value measurement?", "aa72eba4-1d81-43e1-a01e-7196f98c1f7a": "What is the total value of assets at fair value for Ameriprise Financial, Inc. as of December 31, 2023?", "233458ec-014e-4d18-9816-428716aadf2a": "How much is reported under Level 2 assets for Available-for-Sale securities in the financial statements?", "8ca85eeb-6123-4a3b-864d-3c0f0c817d2b": "What types of securities are included in the Available-for-Sale securities category for Ameriprise Financial, Inc.?", "71ed28ed-8093-45ab-8294-9258626be2ea": "What is the value of policyholder account balances, future policy benefits, and claims reported under Level 3 liabilities?", "46bbf34f-2969-49a7-9189-204528ab4b60": "How much is allocated to cash equivalents in the total assets measured at fair value?", "ed7d21b7-c401-4eee-a8fb-2406de762606": "What is the total amount of liabilities at fair value for Ameriprise Financial, Inc. as of December 31, 2023?", "e2ba648f-e0ca-42ae-b5d8-c38f038bd665": "Which category of assets has the highest value under Level 2 in the provided financial statements?", "0d3cd974-322b-4aa1-805f-136fbd706ec9": "What are the total amounts for market risk benefits listed under assets and liabilities?", "13a5b133-f74a-4a53-87e6-42fc82db74e3": "How many million dollars are reported for fixed deferred indexed annuity embedded derivatives under liabilities?", "ca78b7ce-9604-4002-8142-632256e700e2": "What is the value of other liabilities reported under Level 3 in the financial statements?", "40ff63a9-ff40-431a-99cf-23de1439fab4": "What is the total amount of cash equivalents reported by Ameriprise Financial, Inc. as of December 31, 2022?", "0c592332-2abd-4598-962a-dd6c86d7734e": "How much are the available-for-sale securities in Level 2 as per the consolidated financial statements?", "4fe3bd61-1562-41d8-946d-94f61f3b7bf1": "What is the value of the market risk benefits listed under liabilities for Ameriprise Financial, Inc.?", "52171d4f-0913-491e-860c-72b3aae7614e": "Which category of securities has the highest value in the available-for-sale section?", "1ed481ee-3e02-40cb-8370-6f49a1a3a2eb": "What is the total fair value of assets reported by Ameriprise Financial, Inc.?", "5ddbbaef-bbad-47bf-b949-7becb6b82eb1": "How many millions are attributed to fixed deferred indexed annuity ceded embedded derivatives in the receivables section?", "d2a1bf40-d074-43c1-8eaf-1343b9355765": "What types of derivative contracts are included in the total other assets for Ameriprise Financial, Inc.?", "97001da8-e5ed-4b1e-bf5e-f86a4f33420b": "What is the total amount of liabilities at fair value reported in the document?", "85364c85-f00c-4735-94a7-e5f812368c2f": "How much is reported under the category of structured variable annuity embedded derivatives in the policyholder account balances?", "cc1df5ea-e94d-498d-8fcd-0decb853fe2a": "What is the significance of the NAV per share in the context of the financial instruments mentioned in the document?", "b446a3cb-9404-4cd7-91bf-2673798954d1": "What was the cumulative decrease to the embedded derivatives due to nonperformance risk as of December 31, 2023, for Ameriprise Financial, Inc.?", "aba28076-58dd-41de-b04e-be890b87158c": "How did the fair value of the structured variable annuity embedded derivatives change from December 31, 2022, to December 31, 2023?", "30662f8d-a96d-45c9-aa9e-b6a6502e895f": "What were the total gains or losses included in net income for the fixed deferred indexed annuity embedded derivatives during the year ending December 31, 2023?", "657cd144-5a1e-46ae-8d6c-4aaa1f8b3f0d": "What was the balance of available-for-sale securities at January 1, 2023, for Ameriprise Financial, Inc.?", "25366e9f-fca0-47bf-8a0e-9368624bc243": "How much did the company purchase in corporate debt securities during the year ending December 31, 2023?", "df59f0af-8b94-4f67-8898-ea273afc73a7": "What were the total liabilities related to fixed deferred indexed annuity embedded derivatives as of December 31, 2023?", "ee449eb3-d13d-47ae-a0e6-bdaefb72942f": "What changes in unrealized gains or losses were reported in other comprehensive income for assets held at December 31, 2023?", "fa634a65-7625-45cb-b093-4d3d7e8f2b52": "What was the balance of policyholder account balances as of January 1, 2023, for Ameriprise Financial, Inc.?", "0094ce02-5192-4ef4-9a91-c6d8a9b962ca": "How much did settlements impact the balance of structured variable annuity embedded derivatives during the year ending December 31, 2023?", "e1530cc7-bc86-4205-8623-21bcd818fa50": "What was the total balance of other liabilities as of December 31, 2023, for Ameriprise Financial, Inc.?", "cf05d0a4-62be-466a-9078-757d1b4752b1": "What was the balance of Available-for-Sale Securities at Ameriprise Financial, Inc. on January 1, 2022?", "0f2d06d9-c6be-40c7-a1ef-a8593d871d8b": "How much did Ameriprise Financial, Inc. purchase in Corporate Debt Securities during the year ending December 31, 2022?", "cc47c6b2-27dd-4e37-834d-dbc556d372de": "What were the total gains (losses) included in net income for Fixed Deferred Indexed Annuity from January 1, 2022, to December 31, 2022?", "97154490-d2c6-41ea-ae95-4eee4826591f": "What is the balance of Residential Mortgage Backed Securities at Ameriprise Financial, Inc. as of December 31, 2022?", "4b21c3bd-1970-4447-afb2-7cd8732bb571": "How much did Ameriprise Financial, Inc. report in other comprehensive income (loss) for Asset Backed Securities during the year ending December 31, 2022?", "ac30b373-0982-4bd7-9f47-9c33647f12ab": "What were the total liabilities related to Fixed Deferred Indexed Annuity Embedded Derivatives at the end of 2022?", "c7dce774-6155-4240-a9f0-a094c6e2691c": "How did the balance of IUL Embedded Derivatives change from January 1, 2022, to December 31, 2022?", "8ed9fa79-b56e-4f1f-81c8-a9c2516e8ec2": "What was the total amount of settlements for Policyholder Account Balances during the year ending December 31, 2022?", "b9770d20-0364-4e29-a7d9-719122885fcb": "How much did Ameriprise Financial, Inc. report in changes of unrealized gains (losses) in net income for liabilities held at December 31, 2022?", "3deae4d2-eb2b-437c-9ad3-0f242d4da10d": "What was the total balance of Commercial Mortgage Backed Securities at Ameriprise Financial, Inc. as of December 31, 2022?", "a475b5fc-bae4-4f37-bdfe-da921d94378a": "What was the balance of Available-for-Sale Securities at January 1, 2021, for Ameriprise Financial, Inc.?", "d01d2109-31b7-40ca-9124-36fd325b44b3": "How much did Ameriprise Financial, Inc. purchase in Available-for-Sale Securities during the year ended December 31, 2021?", "a260841a-fd81-4386-b1ea-0dd42ff8ca06": "What were the total gains (losses) included in net income for the Corporate Debt Securities category for the year ended December 31, 2021?", "68ceca18-98ac-4df5-9bab-729323fc9d45": "What was the balance of Policyholder Account Balances at December 31, 2021?", "f0279e9f-f143-403c-a0a8-46e58d4a1390": "How did the unrealized gains (losses) in other comprehensive income change for the Residential Mortgage Backed Securities from January 1, 2021, to December 31, 2021?", "f72d3753-d519-4064-93d9-fcd4b8dd3245": "What was the total amount of settlements for Fixed Deferred Indexed Annuity Embedded Derivatives during the year ended December 31, 2021?", "9bf6f412-e9de-43c6-856d-ba33009307ea": "What was the impact of nonperformance risk adjustments on pretax income for Ameriprise Financial, Inc. in 2023?", "17509991-bcf4-452a-a978-ab9f48c22180": "How many securities were transferred into Level 3 during the year ended December 31, 2021, and what was their total value?", "29a6bda1-d427-41ef-87d8-190a24ff96b7": "What was the balance of the structured variable annuity embedded derivatives as of December 31, 2022?", "72f68917-8357-42d0-99e6-7711e1f46220": "What categories of liabilities are included in the total of $1,367 million for Policyholder Account Balances, Future Policy Benefits, and Claims at December 31, 2021?", "02be137f-bcd4-4ae7-8a73-3b39da1c3ca8": "What is the fair value of corporate debt securities (private placements) as of December 31, 2023?", "1cdf1930-e919-4305-8773-9849c2386819": "Which valuation technique is used for asset-backed securities in the document?", "5779bbc5-cfd4-452a-8954-88d2d7971026": "What is the range of the annual short-term default rate for asset-backed securities as of December 31, 2023?", "3eb5f2da-57f9-4f72-aba9-562cbe1f7203": "How does the nonperformance risk for fixed deferred indexed annuity embedded derivatives compare between December 31, 2022, and December 31, 2023?", "cc469296-8a69-4f01-9f59-6e10445ec0e7": "What is the weighted average surrender rate for structured variable annuity embedded derivatives as of December 31, 2023?", "fb107e46-9f3c-4a38-a82a-335efdd788b3": "What is the significance of the weighted average for the yield/spread to U.S. Treasuries for corporate debt securities?", "222666da-0dc1-4bcf-ad4c-d9cf92bd51f2": "How is the fair value of structured variable annuity embedded derivatives presented in the financial statements as of December 31, 2022?", "04774965-753f-4b1c-b735-d54c14aa6415": "What discount rate range is applied to contingent consideration liabilities as of December 31, 2023?", "06a12197-e57b-428c-b0c6-2dc6bea36fa9": "What is the weighted average annual long-term default rate for asset-backed securities as of December 31, 2022?", "ed9f854f-0587-4690-8a39-c70f588da126": "How is the weighted average discount rate for contingent consideration liabilities determined according to the document?", "2f0aac18-e04d-486d-8043-a62eee2fe8f5": "How is the weighting for corporate debt securities determined in relation to their market value?", "f5690978-1b39-4b4b-9045-e3a2826b83f8": "What does the weighted average annual default rate of asset-backed securities represent?", "7d0dad22-be4a-4865-926c-2d3edcc1f891": "How is the average surrender rate calculated for structured variable annuities?", "0a881596-60aa-4e02-bd9e-7ff73d2ae2d4": "What does the nonperformance risk refer to in the context of U.S. Treasury securities?", "0f2a46c0-0d39-4b4a-8457-fd0ac84f3075": "How is the weighted average discount rate for contingent consideration liabilities derived?", "e8d675ad-9ecc-446b-885a-35f4c034b0a7": "What was the status of the fair value of structured variable annuity embedded derivatives as of December 31, 2022?", "e87b9043-e7a3-4a94-b15a-415d038984d0": "What type of measurements are classified as Level 3 in the context of fair value calculations?", "7c20211c-42c3-45a6-a74d-a71a1f9eb3ac": "What is the significance of using non-binding broker quotes in fair value assessments?", "56e54d87-c9d3-4276-96b6-a8eef9cb6b45": "How does the account value of each contract influence the weighted average surrender rate?", "de24998a-dfe0-4fd8-81c9-c9946de591fc": "In what way does the market value of securities impact the calculation of default rates and surrender rates?", "60a53e89-8297-4471-b8fd-ebb21ad99f66": "What factors can significantly affect the fair value measurement of Level 3 corporate debt securities according to Ameriprise Financial's financial statements?", "d5313562-28f8-4810-bcac-f3daac2f14f1": "How does Ameriprise Financial determine the fair value of its cash equivalents?", "65f66be0-087c-4894-abd8-67fe32871824": "What classification does Ameriprise Financial assign to actively traded money market funds in terms of fair value hierarchy?", "d3b720df-1625-45bf-a33a-0aabab03fe3d": "What valuation techniques does Ameriprise Financial use to measure the fair value of its assets and liabilities?", "1b8739c5-c474-4a22-8130-78ac8b5409a8": "What are the observable inputs used to value Level 2 securities at Ameriprise Financial?", "2928073d-df77-4794-af98-29dd5be3bd5b": "How does the annual default rate impact the fair value measurement of Level 3 asset-backed securities?", "f58935b5-0b18-456b-a10d-c378d0fd4f50": "What is the significance of non-binding broker quotes in determining the fair value of Level 3 securities?", "fa3ee9ec-56de-41e2-bcc1-6ddbb9aa40d4": "How does the surrender assumption affect the fair value measurement of fixed deferred indexed annuity embedded derivatives?", "791594a3-bd45-478a-93ca-190113918c42": "What types of securities are classified as Level 1, Level 2, and Level 3 by Ameriprise Financial?", "3234c17a-24a6-4d60-bb82-2b13474aee84": "In what way does the Company minimize the use of unobservable inputs when measuring fair value?", "f92bc504-e5ca-4c46-9ba9-2d65874f0b60": "What types of observable inputs are used to value securities according to the document?", "a2701864-2a3b-4f80-852b-2bede794797e": "How are Level 2 securities defined in the context of observable transactions?", "e63803f1-7156-4ad0-bba0-19f2a9432a8c": "What characteristics primarily define Level 3 securities mentioned in the document?", "54cb37d6-64a0-4b09-8d4c-2f8d2318b64d": "What is the significance of non-binding broker quotes in determining the fair value of certain securities?", "ac92181f-fe49-4748-9e68-091100cf4f6b": "How is the fair value of asset-backed securities determined, as described in the document?", "d676dbcd-9d55-4138-81b9-aaeedd071c9a": "What role does management play in the fair values recorded on the financial statements?", "d0f67b9c-60e7-44dd-89bb-cef8e2be7ce0": "What kind of reporting is applied to prices received from third-party pricing services?", "b246d74d-de01-4481-a6a9-6e4b2803220f": "What factors are considered when determining expected cash flows for asset-backed securities?", "01dfbd75-2218-4a00-833a-0590d342ac7f": "Why are certain asset-backed securities classified as Level 3 in terms of fair value measurement?", "b3696ec3-d9df-4b4b-bd06-91e85c14e7c0": "What types of securities are specifically mentioned as being included in Level 3 classifications?", "fe498257-6ea8-490d-9225-0bff796e22fb": "What procedures does Ameriprise Financial, Inc. use to resolve exceptions in their pricing reports?", "f60c0f5c-0eea-4e45-a0bf-da20eef3da3c": "How is the fair value of assets held by separate accounts determined according to the document?", "6d545b2e-4db6-4f5c-97ef-1228b570269f": "What classification level do U.S. Treasuries fall under when segregated for regulatory purposes?", "ec7af69a-e57d-481e-8546-3a283beb97d6": "What significant factors are considered in determining the fair value of ceded embedded derivatives associated with fixed deferred indexed annuity products?", "1b5abbf4-74ea-4874-a357-7bc8f6206de6": "How are derivatives that are traded in less active over-the-counter markets classified within the fair value hierarchy?", "d40fb763-4670-4152-9a68-6e85cfaaf0ef": "What model does the Company use to determine the fair value of embedded derivatives related to its equity index annuity product?", "9ebcebff-112d-458f-8e48-b130e73a5713": "What are the characteristics of the structured variable annuity product mentioned in the document?", "b838703a-c456-4006-9eb7-9f343b4c598b": "How does the Company assess the nonperformance risk associated with uncollateralized derivative assets?", "107b6fd4-838d-43cc-9dfb-1c5e8a2dc2b3": "What inputs are primarily used in the Black-Scholes models for determining the fair value of the embedded derivative liability for stock market certificates?", "856e7cd8-a52b-4951-a596-a4ca89c5684a": "Why are the embedded derivatives associated with fixed deferred indexed annuities classified as Level 3 in the fair value hierarchy?", "42d8485d-65de-4b47-865c-4553034c0f9b": "What types of annuities are classified as Level 3 due to significant unobservable surrender rates and nonperformance risk assumptions?", "357aa348-76bc-41ef-ad48-3bcacecf4b6b": "How does the Company determine the fair value of the embedded derivative liability associated with stock market certificates (SMC)?", "40c7466c-208e-4a5f-a2bd-522ccf6861ab": "What classification is given to derivatives that are measured using quoted prices in active markets?", "1e8e5e87-e2f0-4722-a44e-884075a73e24": "Which inputs are primarily used in the Black-Scholes models for determining the fair value of embedded derivatives?", "8c9936b1-e9d9-4c18-8f25-ffd39cbc1a7b": "What are the classifications of derivatives based on the market activity of their trading?", "fc631763-e1b1-4082-a155-516441534280": "What role do observable interest rates and volatilities play in the valuation of fixed deferred indexed annuities and structured variable annuities?", "eab21469-82e6-4dea-a53a-13a4d1b92760": "How are the embedded derivatives recorded in the Company's financial statements?", "4dc3d5b6-e020-468c-a339-48cf3aff607c": "What is the significance of the nonperformance risk assumption in the context of fixed deferred indexed annuities?", "925b936e-9ebb-4d51-b9c6-8ab2533b8d3f": "What type of market conditions lead to derivatives being classified as Level 2 measurements?", "893286cf-3452-4fdf-b57b-815d663d12cb": "What is the classification of variation margin on futures contracts in terms of measurement levels?", "e087d125-cf92-4a86-bb00-f1b1ae3f65df": "What classification level do the Company\u2019s swaps and foreign currency forwards fall under in the fair value hierarchy?", "d19ee478-54ae-48c8-a646-5ef71163ebd2": "How does Ameriprise Financial determine the fair value of securities sold but not yet purchased when quoted prices are not available?", "e0930ca1-a804-408f-8b6f-6e1c4aa356c2": "What is the carrying value of mortgage loans, net, as of December 31, 2023?", "f4af2d61-2edb-4050-ab6b-04fbade09bfb": "What model does the Company use to assess the fair value of contingent consideration liabilities related to acquisitions?", "85d4c057-d02c-4503-9563-faf730b03ded": "As of December 31, 2023, what was the balance of affordable housing partnerships measured at fair value on a nonrecurring basis?", "04501372-066a-47c2-af96-920955456acb": "What are the estimated fair values of policyholder account balances, future policy benefits, and claims as of December 31, 2023?", "94127468-15cc-4adf-af98-ad224192c19f": "Which financial asset category includes a carrying value of $912 million, and how is its fair value classified?", "833988f8-f681-4fcb-8a8f-c48b28b1cd72": "What significant unobservable input is used in the discounted cash flow model for measuring the fair value of contingent consideration liabilities?", "49aa9679-3341-4e29-9713-6df93a05c22c": "How does the Company classify its investments in affordable housing partnerships in the fair value hierarchy?", "6ec1f78a-6332-4135-a22b-9d2b29a7235a": "What is the total fair value of financial liabilities related to investment certificate reserves as of December 31, 2023?", "177ea7cc-421f-4fb1-bef0-3cc9e9a49360": "What is the carrying value of mortgage loans, net, as of December 31, 2022, for Ameriprise Financial, Inc.?", "17f940c8-bb6c-4e5e-ac21-816514b9f23c": "How much are the policy loans valued at in the financial statements?", "b771435f-e9ba-4c2c-9a68-7ac71a74ba0f": "What is the total fair value of financial liabilities listed in the document?", "ef84d43a-e8a6-4993-bfd3-d0553fff3de4": "Which financial asset category includes cash segregated under federal regulations for the benefit of brokerage customers?", "b50f2bb0-d571-407c-ac4a-632a90dea164": "What types of liabilities are included under \"Policyholder account balances, future policy benefits and claims\"?", "81ea7404-30d4-4bd5-8174-06781b2f050d": "How does Ameriprise Financial, Inc. account for securities borrowed and securities loaned in their financial statements?", "699eaa76-211a-4f71-b2f3-bf5b46b02140": "What is the fair value of the separate account liabilities related to investment contracts?", "3e2e019d-09cf-49cf-ac2a-1adf8013a71d": "What are the components of receivables as mentioned in the document?", "b8a152f2-d733-444d-937a-accd5aa570ef": "What is the total carrying value of debt and other liabilities for Ameriprise Financial, Inc.?", "2be23061-402f-49b3-84e2-449ad5666f67": "Describe the nature of the master netting arrangements mentioned in the document.", "c5d6cd1d-7362-41f1-94d0-f7566f850bee": "What is the total amount of recognized assets for Ameriprise Financial, Inc. as of December 31, 2023?", "76e42813-510a-4b20-958b-f5faff76756d": "How much cash collateral is presented in the consolidated balance sheets for derivatives as of December 31, 2022?", "c41aea7e-c0d3-4a9c-b677-a83a23cc2d50": "What are the gross amounts of recognized liabilities for OTC derivatives on December 31, 2023?", "e54e197f-7d8c-4094-b800-18de24f5dd8c": "How does the net amount of financial instruments for total derivatives change from December 31, 2022, to December 31, 2023?", "6c7bb3de-1da6-4212-9156-9caae0f1882e": "What is the amount of securities borrowed presented in the consolidated balance sheets for Ameriprise Financial, Inc. as of December 31, 2023?", "0136493d-0170-44e5-bae5-0a8e50ec7485": "What is the significance of the amounts that could be offset by liabilities with the same counterparty under master netting arrangements?", "c51ffa40-0140-4b9e-be65-3248264dcc0a": "How much are the gross amounts not offset in the consolidated balance sheets for securities loaned as of December 31, 2023?", "c3978590-f578-45c2-b022-ef5717ba0dff": "What is the total amount of recognized assets for securities borrowed on December 31, 2022?", "fba1e88f-174c-4f28-856a-e0151aae1b72": "How much is the gross amount of recognized liabilities for exchange-traded derivatives as of December 31, 2023?", "76c182c9-4b4b-4630-98c7-5e5c5a716b48": "What is the difference in the net amount of financial instruments for total derivatives between December 31, 2022, and December 31, 2023?", "5c526afc-6517-4f85-b19d-12d1aa7c255d": "What is the total amount of recognized liabilities reported by Ameriprise Financial, Inc. as of December 31, 2022?", "0d5ea56a-8ed1-45ba-96ff-6c84add40a52": "How are freestanding derivative instruments reflected in the financial statements of Ameriprise Financial, Inc.?", "f742886c-bb22-410b-a6fa-6a73df9b523f": "What types of collateral does Ameriprise Financial, Inc. accept to mitigate the risk of loss from counterparties?", "daaccbbd-b180-43d3-b4b7-9d5874b6830c": "What is the gross amount of OTC derivatives recognized by Ameriprise Financial, Inc.?", "0670aabe-d73e-42f1-b1dd-65d750f6b07a": "How does Ameriprise Financial, Inc. manage its exposure to market risks through derivative instruments?", "35a19f09-23e0-4a2a-bde7-38a6b4add2bf": "What is the net amount of liabilities presented in the consolidated balance sheets for Ameriprise Financial, Inc.?", "2cf966b9-d9f1-446f-8cca-51863bf278cc": "What does the term \"master netting arrangements\" refer to in the context of Ameriprise Financial, Inc.'s derivative instruments?", "19b06d1b-0272-4487-8aef-60eb6e76800c": "What are the potential risks associated with the fair value of collateral accepted by Ameriprise Financial, Inc.?", "6db07e26-6cd6-4cd6-9e5a-a44441ecafc7": "How does Ameriprise Financial, Inc. determine when to require additional collateral from counterparties?", "4b3acf5a-4e5a-451d-bea2-48b2903ed2bb": "In the context of the document, what is the significance of the amounts presented for cash collateral and securities collateral?", "289659e2-a4ae-4475-af30-911e3dd13a8c": "What types of derivatives does Ameriprise Financial, Inc. use as economic and accounting hedges according to the document?", "f83ae1f0-dff9-4038-afb3-d894a48f292a": "As of December 31, 2023, what is the notional value of interest rate contracts not designated as hedging instruments?", "c75572a4-8a1a-4ad2-80fc-8f432fd5b37c": "What was the gross fair value of equity contracts designated as cash flow hedges for Ameriprise Financial, Inc. on December 31, 2022?", "25f8865d-0d39-4c01-aea6-a654c70662c6": "How much collateral in investment securities was received by Ameriprise Financial, Inc. to meet contractual obligations under derivative contracts as of December 31, 2023?", "556792ca-0955-44d4-b9b2-0f08d8151c53": "What is the total gross fair value of derivatives not designated as hedging instruments for Ameriprise Financial, Inc. as of December 31, 2023?", "9da998c6-a5b8-44d2-888b-a5f1621563ea": "How does the fair value of structured variable annuity embedded derivatives change from December 31, 2022, to December 31, 2023?", "1bb0fd95-d1ae-4089-9537-aacb301a905f": "What amount of investment securities was pledged by Ameriprise Financial, Inc. to meet contractual obligations under derivative contracts as of December 31, 2022?", "8a960289-2086-4bfb-bbc0-29d70c2cef60": "What is the total fair value of embedded derivatives related to fixed deferred indexed annuities and deposit receivables as of December 31, 2023?", "a3a0f024-9e50-483f-87a1-5c05351c1401": "What information is included in the \"Other assets\" and \"Other liabilities\" sections of Ameriprise Financial, Inc.'s balance sheet regarding derivative instruments?", "7559288c-3088-4099-bca0-ec3048951c28": "As of December 31, 2023, how much of the collateral received by Ameriprise Financial, Inc. may be sold, pledged, or rehypothecated by the company?", "916319ef-d759-4fd3-884e-3ef742454367": "What types of derivatives are mentioned in the Ameriprise Financial, Inc. document, and how are they categorized in the financial statements?", "6505e639-ccff-40a3-98ca-b563ace5f971": "For the year ended December 31, 2023, what was the total gain or loss from equity contracts as reported in the Consolidated Statements of Operations?", "6a268169-fdd2-4aa0-bebf-377e9a60d5fe": "How did the change in fair value of market risk benefits impact the financial results for Ameriprise Financial, Inc. in 2023?", "62e218bb-509c-4279-8251-7de03d99b1ef": "What was the net investment income from interest rate contracts for the year ended December 31, 2022?", "377bce7e-2ec9-4f72-af68-c5c8978401af": "In the year ended December 31, 2023, what were the total losses attributed to structured variable annuity embedded derivatives?", "6167ce40-744f-43e0-b5bd-b50dae6beca4": "How did the benefits, claims, losses, and settlement expenses change from 2022 to 2023 for Ameriprise Financial, Inc.?", "b125f772-5aee-4c7c-89c0-a9e798118c6f": "What was the impact of foreign exchange contracts on general and administrative expenses for the year ended December 31, 2023?", "b1a153fe-bf71-4872-adab-8ad7ced69e1c": "Compare the distribution expenses for equity contracts between the years ended December 31, 2022, and 2023.", "c5e9f133-eab4-46ab-b090-709cb587b34e": "What specific embedded derivatives are mentioned in the document, and what financial impact did they have in 2023?", "f1387696-0f10-4c8f-b0b0-53dbf8efc2d6": "How did the interest credited to fixed accounts change from 2022 to 2023 according to the provided financial statements?", "6f002547-fd8c-4de8-a6dd-1050aa16528a": "What types of derivative instruments does Ameriprise Financial, Inc. hold that do not qualify for hedge accounting treatment?", "6d68cc6f-8eaa-474b-be0e-be49dd2cb257": "How does the Company manage its exposure to equity market fluctuations related to structured variable annuity products?", "6e0ea3b4-174c-46ed-9115-f75dc1ed0374": "What are the scheduled premiums payable and receivable by the Company for the years 2024 to 2030?", "7b02d54a-c8c1-484b-9060-9697be5a79b4": "What is the total gain or loss reported by Ameriprise Financial, Inc. for the year ended December 31, 2021?", "62818986-146a-46ae-983c-be0f4ac6da0d": "Which financial products are mentioned as having returns tied to the performance of equity markets?", "4082b612-c27a-4135-9540-a020868cfced": "What types of contracts does the Company use to economically hedge its obligations under variable annuity contracts?", "7618636b-9b30-4039-9c56-d902c15d56d0": "How does the Company report changes in the fair value of embedded derivatives on its Consolidated Balance Sheets?", "9e54cc63-3f51-4474-abd3-bf1a0ba54ce5": "What is the significance of the deferred premium associated with certain options mentioned in the document?", "7d6e31c9-95c3-41c1-bd82-1e6c1e15d4ff": "What types of risks does the Company hedge against using foreign currency forward contracts?", "eed320c7-5d84-444c-8b07-8e6414d999ef": "What impact do fluctuations in equity markets have on the earnings of Ameriprise Financial, Inc. related to structured variable annuity products?", "8f484d4d-856e-4ea5-a6c4-1a3815e83439": "What types of derivative instruments does Ameriprise Financial, Inc. use to hedge its exposure related to compensation plans?", "18c54378-a3b1-442b-9d02-48580fc19f94": "How are gains or losses on derivative instruments designated as cash flow hedges reported in the financial statements?", "d78711a9-2e51-45d5-a68d-0e452fa6b7aa": "What was the estimated net amount recorded in AOCI as of December 31, 2023, that the Company expects to reclassify to earnings?", "2938c3d1-b098-4deb-99e1-1dc62f94c044": "What losses and gains did the Company recognize in OCI for net investment hedges in foreign operations for the years ended December 31, 2023, 2022, and 2021?", "12b4e275-c888-4b49-89b8-7836080e54ff": "What measures has Ameriprise Financial, Inc. implemented to mitigate credit risk associated with its derivatives?", "ad76110e-ea3f-466f-be9f-31079fb5f28d": "What are the potential consequences if the credit contingent provisions of derivative contracts are triggered?", "de9fc64c-598d-4eef-8ff3-9507420bf772": "As of December 31, 2023, what was the aggregate fair value of derivative contracts in a net liability position containing credit contingent provisions?", "83563a7a-9355-4f22-8b0f-8c0277882559": "How are operating and finance lease assets classified on the balance sheet for Ameriprise Financial, Inc.?", "bf533804-e588-4d5d-a2fd-b3932a078334": "What were the total lease liabilities for Ameriprise Financial, Inc. as of December 31, 2023, and how do they compare to the previous year?", "b1a17cb6-afc3-4994-95e3-c7afb05fa390": "What is the longest period of time over which Ameriprise Financial, Inc. is hedging exposure to variability in future cash flows?", "6ea8ac7e-f9fe-401a-8c5f-a8752e27b078": "What was the total lease cost for Ameriprise Financial, Inc. in 2023?", "a0b4f4bc-897b-47b8-ab53-9e1eedea536b": "How much did Ameriprise Financial, Inc. pay in operating lease costs in 2022?", "ee225ede-22e1-4dab-a64c-8ab4e85a9b43": "What is the weighted-average remaining lease term for finance leases as of December 31, 2023?", "83d42df6-a36c-486c-9ee6-8b7c542b0931": "What percentage is the weighted-average discount rate for operating leases as of December 31, 2022?", "cd7a1cb7-dcc6-482e-8816-a70a96f59d25": "How much cash did Ameriprise Financial, Inc. pay for amounts included in the measurement of operating lease liabilities in 2021?", "ea1382a3-f738-4a17-b335-34c4e1f89967": "What are the total lease payments for operating leases due in 2024?", "771ad617-d2a2-4181-b83d-279d285ab769": "How many share-based compensation plans does Ameriprise Financial, Inc. have, and what is one of them?", "90c94a62-455e-4fc3-9ae4-6f4037ebc146": "What was the cash paid for amounts included in the measurement of finance lease liabilities in 2023?", "0e7623ae-0ce0-4c99-8798-7f8316866c57": "What is the present value of lease liabilities for finance leases as of December 31, 2023?", "c1e28dc4-2fbd-478e-9c40-4d5ec06711a5": "How much interest was deducted from the total lease payments for operating leases?", "df298649-5ce9-40ef-b1d6-448ad4c3d6d2": "What was the total share-based compensation expense for Ameriprise Financial, Inc. in 2023?", "f9bc10b8-1141-47b3-aeab-43722322355a": "How much unrecognized compensation cost related to non-vested awards did Ameriprise Financial report as of December 31, 2023?", "9fa84173-f878-4cc5-95ca-f7573c7f7232": "What is the maximum number of shares that can be issued under the Amended and Restated Ameriprise Financial 2005 Incentive Compensation Plan?", "aac6e064-9d1a-4237-b90f-e9b1acbdf626": "When was the Ameriprise Financial 2008 Employment Incentive Equity Award Plan terminated?", "71eeaeb2-1383-458d-a469-7772821508c9": "What is the exercise price requirement for stock options granted under the 2005 Incentive Compensation Plan?", "b042ea1a-e6f4-456b-839f-2cfc6a599991": "What weighted average assumptions were used for stock option grants in 2023 regarding expected volatility?", "2948554a-cb20-4324-abfd-f3a7a0613117": "How much was the total income tax benefit related to share-based compensation expense for the year 2022?", "c8561d3b-a8de-4772-9d30-7e6bd44625b8": "What is the expected vesting period for stock options granted under the 2005 ICP?", "7a6bd1b8-8992-47ed-8d2c-60d4345ed1e2": "What was the weighted average grant date fair value for options granted during 2022?", "b48314c4-1579-419c-affc-c8d663248b03": "How does the dividend yield assumption for stock options in 2021 compare to that in 2023?", "8447833b-ee97-4f41-974d-7ed40e214295": "What is the total intrinsic value of options exercised by Ameriprise Financial in 2023?", "be972f42-9112-4a37-be85-184857d3335b": "How many shares of stock options were outstanding at Ameriprise Financial on December 31, 2023?", "9ce868d3-5f10-4b3c-a327-4efe332e2627": "What is the vesting period for restricted stock awards granted under the 2005 Incentive Compensation Plan (ICP)?", "b7fac1db-7d27-473b-ba28-4db06654e8a9": "How does the compensation expense for restricted stock units and deferred share units differ between non-employee directors and employees?", "dedad291-d25c-4e8e-976c-38ac13b2a094": "What are the conditions under which the Company match in the Ameriprise Financial Deferred Compensation Plan vests?", "2f11e1b5-b0b8-4410-a0e8-1e54a8352612": "What is the weighted average exercise price of stock options exercised during 2023?", "cb99156b-443e-497a-a0e2-b66a232dcc69": "How are dividends treated for restricted stock awards during the vesting period at Ameriprise Financial?", "43604831-28b4-4736-aea4-aff2fae53735": "What investment options are available for participants in the Ameriprise Financial Deferred Compensation Plan?", "3a0e73f6-2281-49e3-b9d4-32ac1e910f22": "What happens to dividend equivalents on deferred share units if the award is forfeited for employee awards?", "81855391-f94a-4dbb-9229-30c1b2eee5c0": "What is the aggregate intrinsic value of stock options outstanding at Ameriprise Financial on December 31, 2023?", "89e03bd8-2c53-477a-9221-7b3ed0f81020": "What circumstances allow for accelerated vesting of share-based awards in the DCP?", "f5e59b49-a92c-4ff4-b5ec-0526f62fb78d": "How is compensation expense related to the Company match recognized in the AFG Deferral Plan?", "3f933002-b8db-482c-88d9-be3eac6cba48": "Are dividend equivalents related to deferrals in the AFG Deferral Plan subject to forfeiture?", "ce1b6da9-6bed-4fe0-a732-1f112ec66df8": "What is the maximum number of Company shares that may be issued under the AFG Deferral Plan?", "85ccbe91-b5ae-4add-809f-05e9ae5019c3": "What options do participants have for deferring their cash commissions in the AFG Deferral Plan?", "4607e699-93ad-414b-b3cf-2dd3436e2cd6": "What changes were made to the AFG Deferral Plan regarding matching contributions after 2010?", "c815f79e-b996-45d0-930b-7b732f235820": "How are amounts invested in the fund tracking Ameriprise Financial stock settled?", "42b5d108-7763-4ffd-9eb8-62850a5a984b": "What is the status of the AFG Deferral Plan in terms of shareholder approval?", "8f7a9c85-2938-4c2f-ae2f-e8e8cae241f8": "How many participants are approximately involved in the AFG Deferral Plan?", "f15a4606-0d03-4049-b255-6a4d2d5c5615": "What types of investment options are available to participants in the AFG Deferral Plan besides the fund based on Ameriprise Financial stock?", "8463ea3c-9be6-4e48-af78-fe1e0f24cf89": "What is the purpose of the Ameriprise Advisor Group Deferred Compensation Plan (AAG Deferral Plan)?", "39844be5-ed67-42a2-a677-23c306fb7ac0": "How many shares may be issued under the AAG Deferral Plan?", "304b9c32-b1c3-45ad-b67d-32c389d926bd": "What types of compensation can eligible employees voluntarily defer under the AAG Deferral Plan?", "d0630769-0267-4924-9b73-07e1dd2a9c01": "Are there any additional premiums or matching contributions provided by the Company in connection with the deferred compensation plans?", "f89730fb-a521-46e3-ae79-f394b17fdb6f": "What is the vesting status of amounts deferred by participants in the AAG Deferral Plan?", "c5ed9ddb-34ba-4fc4-b74c-a4b4ad9009b6": "What was the liability related to legacy BMO Financial Group share-based awards as of December 31, 2022?", "132f3884-b3ba-4efc-b1ce-12220d3cb440": "How many non-vested shares were reported at the beginning of the year on January 1, 2023?", "1e43eb00-1075-4fae-ac76-dfa74ac298cd": "What is the weighted average grant-date fair value of shares granted in 2023?", "9de6ef86-6490-4ca2-a55f-ccc7265cf1d5": "What happens to share units in the deferred compensation plans until they are distributed?", "efb49efa-0ba9-48d0-b81f-537276c5e8d9": "How did the fair value of full value share awards vested change from 2021 to 2023?", "7b972a79-ceb4-42ac-aef6-995ef9d0f80a": "What was the fair value of full value share awards vested in 2023?", "db64277d-3835-4d07-b981-c2374a6ecce0": "How did the fair value of full value share awards change from 2021 to 2023?", "ea683a0a-5a9d-48ee-8d6a-6099ba6e61b6": "What was the weighted average grant date fair value for restricted shares in 2022?", "c47efbea-d4e7-45bc-b07d-f778808af50d": "Which year had the highest weighted average grant date fair value for restricted stock units?", "e852f71f-7051-43d4-ba4b-712cfcf533c5": "What was the weighted average grant date fair value for franchise advisor deferrals in 2023?", "eb1becda-920b-4c52-8502-f4b55914311a": "How does the weighted average grant date fair value for advisor group deferrals in 2021 compare to that in 2023?", "f8710fa9-888f-48fd-b21a-6ab07d81c173": "What was the trend in the fair value of full value share awards from 2021 to 2023?", "d63efdd9-f229-4a2e-8606-c75a75799369": "What is the weighted average grant date fair value for deferred share units in 2023?", "fad69222-0d09-411a-a3bb-15541e71eab5": "How much did the weighted average grant date fair value for restricted shares increase from 2021 to 2023?", "3780c3e7-62ae-4ede-88bf-d5a13e51c9eb": "What was the fair value of full value share awards vested in 2022?", "ad96b9ba-1840-4872-8b2d-73042cdf921d": "What is the purpose of the Performance Share Units (PSUs) awarded under the 2005 ICP at Ameriprise Financial, Inc.?", "66e80222-9db8-405d-aa5e-658cdb4cf6cc": "How are the PSUs earned by the Executive Leadership Team at Ameriprise Financial determined?", "6a5b35b1-d395-4738-b0af-2a7eb9c58520": "What is the maximum percentage of target PSUs that can be earned if performance goals are significantly exceeded for awards made prior to 2018?", "ac9c7aa1-8568-436e-a239-dce9721cf817": "What was the total number of target PSUs outstanding at Ameriprise Financial at the end of December 31, 2023?", "f8dc88b2-5980-4935-93bf-2f2704d07731": "How much was the value of shares settled for PSU awards during the year ended December 31, 2022?", "2e5019be-87cc-4df4-b0af-bacb6f343142": "What components are included in the Other Comprehensive Income (OCI) for the year ended December 31, 2023?", "37f1b64c-f1fc-4989-8328-39d9ea6443f0": "What was the net unrealized gain (loss) on securities arising during the period for the year ended December 31, 2023?", "38a77226-c44c-4839-93b5-6abe6d8c093b": "How does the impact of benefit reserves and reinsurance recoverables affect the net unrealized gains (losses) on securities?", "cd42f421-d2b4-4d84-ba04-ef80f8b1bb5a": "What was the total other comprehensive income (loss) reported for Ameriprise Financial for the year ended December 31, 2023?", "807c4857-3b76-49ec-b4ef-07565f3b70ef": "What effect did changes in discount rate assumptions have on certain long-duration contracts according to the document?", "de1449d4-7a68-4109-bbf8-bf2c32870635": "What was the total net unrealized gains (losses) on securities for Ameriprise Financial, Inc. for the year ended December 31, 2022?", "70b6f345-200d-4e22-ab2a-a49676aeb9f1": "How did the net unrealized gains (losses) on derivatives change from the year ended December 31, 2021, to the year ended December 31, 2022?", "a21de186-ea77-4cc8-990b-dce88157b2b1": "What was the impact of foreign currency translation on other comprehensive income (loss) for the year ended December 31, 2022?", "5adc97e3-e8af-4ed4-9136-ac2326f14a95": "What components are included in the other comprehensive income (loss) related to net unrealized gains (losses) on securities?", "ff991710-15e8-4254-a130-97e29d118bdf": "How much was the pretax income tax benefit (expense) for net unrealized gains (losses) on securities for the year ended December 31, 2021?", "dbf6fc39-eb98-4337-a50f-335a5e1c90b4": "What adjustments are primarily reflected in the other adjustments of net unrealized gains (losses) on securities?", "17e5438f-0f95-42fd-ac89-0ea977e06c9a": "What was the effect of changes in discount rate assumptions on certain long-duration contracts for the year ended December 31, 2022?", "71e026eb-4f29-4b74-8bdb-414a1093c674": "How did the net unrealized gains (losses) on defined benefit plans compare between the years ended December 31, 2021, and December 31, 2022?", "194b22cd-ea01-4660-ac92-3eb0b6e50489": "What was the total other comprehensive income (loss) for Ameriprise Financial, Inc. for the year ended December 31, 2021?", "0e733360-e521-4a25-810d-d87c643debe5": "What is the significance of reclassification amounts recorded in net investment income as mentioned in the document?", "f51b783d-6382-453c-9b16-d3d26cc532de": "What was the balance of Net Unrealized Gains (Losses) on Securities for Ameriprise Financial, Inc. at December 31, 2023?", "d9a4a6cf-8e2e-4e66-b738-5ba39f74e8b3": "How much did Ameriprise Financial, Inc. spend on share repurchases in 2022?", "e5bfbb1f-fb26-4ff3-9211-3e05c6897e1d": "What cumulative effect did the adoption of long-duration contracts guidance have on the balance of AOCI for Ameriprise Financial, Inc.?", "b1140408-a8f1-4b49-abe4-19f8e2e8eb30": "As of December 31, 2023, how much remained under the share repurchase authorization for Ameriprise Financial, Inc.?", "22e4e11b-a586-4e76-8fea-69c1cfe1ce25": "What were the total OCI figures for Ameriprise Financial, Inc. at December 31, 2022?", "35959950-2505-4b04-b00e-efbe531a428b": "How many shares of common stock did Ameriprise Financial, Inc. repurchase in 2021?", "f8889851-fac4-4a2c-b961-21142adf8e49": "What is the effect of changes in discount rate assumptions on AOCI for Ameriprise Financial, Inc. as of December 31, 2023?", "b50714a5-7929-458f-b26f-c9154f105184": "What amount was reclassified from AOCI for the year ended December 31, 2022?", "e3a7cb6b-07f0-48f1-a6e6-419bb43e2047": "What was the total balance of AOCI for Ameriprise Financial, Inc. at January 1, 2021?", "17b3697d-5326-4d1b-b2a4-1a30e900c8cc": "How did the foreign currency translation impact the AOCI balance for Ameriprise Financial, Inc. at December 31, 2023?", "d586d8d0-e1ac-4db3-be31-c95278b79cb6": "What was the total amount authorized by the Company's Board of Directors for share repurchase in July 2023?", "c27ec475-5a96-4a5e-b637-5530e1ec87ad": "As of December 31, 2023, how much remained under the Company's share repurchase authorization?", "200f5be0-ea5a-4be0-a361-7c718cf86a64": "How many shares did the Company reacquire through the surrender of shares upon vesting for the year ended December 31, 2023?", "62b88e14-7bbc-45be-9236-75896dabd99f": "What was the total amount paid by the Company for income tax obligations related to surrendered shares in 2022?", "104865d4-7844-4b97-aab4-e6e59c0d525f": "How many shares were reacquired by the Company through the net settlement of options for the year ended December 31, 2021?", "624b49af-180b-49f4-961a-2851917e7e5e": "What is the purpose of reacquiring shares under the Company's share-based compensation plans?", "9cb2257a-f9a0-43a2-b9b0-b5e5bf372c0a": "For the years ended December 31, 2023, 2022, and 2021, what was the aggregate value of shares reacquired through the net settlement of options?", "c8e8812f-b1ba-42bf-a5cb-c31cc751c8c0": "How many treasury shares were reissued by the Company for restricted stock award grants in 2023?", "7386ac2c-e196-4558-9dc8-26dcb1ea875a": "What were the amounts paid by the Company for income tax obligations related to the surrender of shares in the years 2021 and 2023?", "100bdb7e-1e2a-4b42-8b2d-b4340a7f8efc": "What types of compensation plans are mentioned in the document that allow for the reacquisition of common stock?", "ba9f4d41-9088-40ec-a2c4-de72f41108e8": "What was the net income for Ameriprise Financial, Inc. for the year ended December 31, 2023?", "fb4aaeb5-53d2-49fe-8f09-992cdb2dab9d": "How many weighted-average common shares were outstanding for basic earnings per share calculation in 2022?", "07bd4694-fe55-4726-84c1-abd5a4ddc11b": "What is the definition of Risk-Based Capital (RBC) requirements as mentioned in the document?", "f6a696d7-e8b4-44a8-be3c-874907630e3c": "What were the statutory net gain from operations and net income for RiverSource Life in 2023?", "c6d535ed-8736-4337-b087-44ac8a1bcb88": "What are the potential regulatory actions that can be taken against insurance companies that do not meet RBC requirements?", "11726d3e-c899-4655-8099-edabc810b4ad": "How does the calculation of diluted earnings per share differ from basic earnings per share according to the document?", "88c07d01-1260-4d0b-9947-cd9e13e90c4e": "What is the statutory unassigned deficit for RiverSource Life as of December 31, 2023?", "75272a44-f2e6-468d-848a-3ea091deb7a6": "What limitations do state insurance statutes impose on the amount of dividends that insurers can pay without notifying regulators?", "6b9105c4-70b8-4b4d-a77f-22309267b187": "What was the diluted earnings per share for Ameriprise Financial, Inc. in 2022?", "fd909cad-0300-4f08-854b-8d96f66888f5": "What are the significant differences between GAAP and the statutory accounting practices required for the Company\u2019s life insurance companies?", "8a7a87ac-9aac-4805-9a82-4e7e47e0a23c": "What regulatory rule governs the net capital requirements for Ameriprise Financial's broker-dealer subsidiaries?", "0612ebc9-2490-4778-abaf-2edf6db7746b": "As of December 31, 2023, what was the net capital of AEIS in millions?", "45c85d3a-fe9a-4600-ae4d-dbd3689b3907": "What are the minimum net capital requirements for AEIS and AFS as defined by Rule 15c3-1?", "bfc2d9f2-4e8e-4a6b-9ab3-d57280c7083a": "How much excess net capital did AFS have as of December 31, 2023?", "608579c0-80c0-4268-9b58-441b0553d17b": "What actions may FINRA impose if a broker-dealer falls below certain net capital thresholds?", "4cf9af34-052a-4f81-88ad-d4bd80065ac7": "What is the significance of the capital conservation buffer requirement for Ameriprise Bank?", "55115c87-6a24-467b-b8f8-0590ebdfe81d": "Which regulatory bodies oversee Ameriprise Bank's operations?", "3c461df3-4f3b-4360-b9fd-2d373adfca49": "What capital ratios does Ameriprise Bank need to maintain under the Basel III capital framework?", "f84ff19a-0f3e-40e7-8bb6-231f7ca0b2ad": "How much in cash dividends did AEIS and AFS pay to AMPF Holding, LLC on February 14, 2024?", "47728041-fe07-497d-858b-804907637c5c": "What was the percentage of net capital as a percent of aggregate debit items for AEIS as of December 31, 2022?", "4d625770-edda-4b8b-aa29-bc1c70b13f54": "What are the minimum capital adequacy requirements for Ameriprise Bank to be categorized as \"well-capitalized\" as of December 31, 2023?", "6a0c5026-01a0-45f9-aee9-f338b2e3bfcf": "How much Common Equity Tier 1 capital did Ameriprise Financial, Inc. report at the end of 2023?", "731c39e8-ae83-40da-b43f-0140af060947": "What was the total income tax provision for Ameriprise Financial, Inc. for the year ended December 31, 2023?", "2c6bc6e6-1cbb-4227-b7eb-479e0e33db6a": "As of December 31, 2022, what was the Tier 1 leverage ratio for Ameriprise Bank?", "21569c4c-325d-45e5-912f-b439352e21cb": "What are the qualified asset requirements for Ameriprise Certificate Company under the Investment Company Act of 1940 as of December 31, 2023?", "fe7d0907-da02-40a2-ab70-1987fd422655": "How did the current income tax provision for state and local taxes change from 2022 to 2023?", "d0bb6cd4-0157-4551-b97f-4f2abb5f616f": "What capital adequacy requirements does Columbia Threadneedle Investments UK International Ltd. need to meet according to its regulator?", "e8feb3bd-a7bb-479e-93cf-970a01dc884e": "What was the amount of Total Capital reported by Ameriprise Financial, Inc. at the end of 2023?", "80726339-c229-4352-8439-4d25d08f0f95": "How much deferred income tax did Ameriprise Financial, Inc. report for federal taxes in 2022?", "504c34d3-2c11-4b7e-9a34-4788c62d4792": "What was the amount of qualified assets held by Ameriprise Certificate Company as of December 31, 2022?", "865a4d41-352f-425a-8e29-6bd5e56969b3": "What was the total pretax income from continuing operations for Ameriprise Financial, Inc. in 2023?", "6f258d05-9414-4cdf-97e1-1a30af8de70e": "How did the effective tax rate for Ameriprise Financial change from 2022 to 2023, and what were the primary reasons for this change?", "7f355b4d-104f-444f-a0fc-5c786b71c99a": "What were the geographic sources of pretax income for Ameriprise Financial, Inc. in 2022?", "6a64e9f5-901c-4f7e-907e-7078175ebec2": "What is the statutory tax rate used for measuring deferred income tax assets and liabilities as of December 31, 2023?", "0f120e9e-7bde-4a2d-a162-54ea6d3c43fb": "What components contributed to the deferred income tax assets for Ameriprise Financial, Inc. as of December 31, 2023?", "f2babe93-c030-4ad0-acb0-ae72ce3eaeb4": "How much did Ameriprise Financial report in foreign pretax income from continuing operations in 2021?", "6e89c934-74f5-4692-9844-c9171128ae4b": "What adjustments were made to the income tax provision for non-deductible expenses in 2023 compared to 2022?", "07a58a16-b7f9-4230-8ecd-34c2714f6404": "What was the valuation allowance for deferred income tax assets for Ameriprise Financial, Inc. as of December 31, 2023?", "fa7eec46-f29c-4321-9466-80d6d099473e": "How did the gross deferred income tax liabilities change from 2022 to 2023 for Ameriprise Financial, Inc.?", "2909269f-8458-4037-b0d6-dead281539cc": "What were the principal reasons for the increase in the effective tax rate for Ameriprise Financial from 2021 to 2022?", "dac6aafe-3a45-426f-812b-ece7f3eadced": "What is the total amount of deferred income tax assets related to state net operating losses mentioned in the document?", "ed0d4c55-ce32-4616-a13e-f6fb089de649": "As of December 31, 2023, what valuation allowance has been established by the Company for unrecognized tax benefits?", "c38cc60b-ef13-42fc-b63d-f21ac533098b": "How much did the Company recognize in interest and penalties related to unrecognized tax benefits for the year ended December 31, 2023?", "1f55c95b-23e8-4000-879b-2e36a44b97ea": "What is the status of the Company's federal income tax returns for the years 2016 through 2018?", "a9e85589-c684-492e-8241-babae2cc5026": "What type of retirement plan is the Ameriprise Financial Retirement Plan classified as, and what are its key characteristics?", "63c313c5-b9fb-47f0-ac63-849ca02bf20c": "How much did the gross unrecognized tax benefits change from 2022 to 2023?", "76578394-4f69-4572-954b-aeacaafb729f": "What is the expected decrease in the total amount of gross unrecognized tax benefits in the next 12 months, according to the Company\u2019s estimates?", "4194cf5b-63d4-4eae-b542-0f4934d243f6": "Which employees are eligible for the Ameriprise Financial Retirement Plan, and what significant change occurred in April 2020 regarding new enrollments?", "7071479c-0ce0-4c48-b8c3-0d34d6c0f683": "What is the total amount of unrecognized tax benefits that would affect the effective tax rate for the year ended December 31, 2023?", "0455c2c3-ce6b-4f68-afab-a717ec9a7670": "What jurisdictions are currently examining the Company\u2019s state income tax returns, and for which years?", "300d7b90-e8b5-44f1-856f-d7fe10e8c67c": "What is the eligibility criteria for the Ameriprise Financial Retirement Plan for U.S. non-advisor employees hired before April 2019?", "3040398a-268d-4262-b6c1-022d5dcdab75": "When did the Company stop enrolling new employees in the Retirement Plan?", "a4379bad-3be6-498d-8b85-1eaab3de9429": "How are employees' accrued benefits calculated in the Ameriprise Financial Retirement Plan?", "d45c4d9b-ace8-4a0f-b253-171a0103d966": "What is the range of the percentage credited to employees' notional account balances based on eligible compensation?", "52e65c51-c212-4f74-a560-0967b638ff88": "What factors influence the percentage credited to employees' accounts in the Retirement Plan?", "781110de-5fc6-46b1-a910-59744d17abbe": "How is the fixed interest rate for employees' balances determined and updated in the Retirement Plan?", "d4551945-b74b-4087-b7ae-6d5a002e1107": "What are the vesting requirements for employees in the Ameriprise Financial Retirement Plan?", "e0f4edca-e4d1-47b5-8307-c37647907667": "What options do employees have for receiving their vested balance after termination or retirement?", "3cf9fa3e-72c7-409f-8f5a-076cb3cb7a51": "What is the nature of the Ameriprise Financial Supplemental Retirement Plan (SRP)?", "05a53eb3-f44d-4657-b2f9-e9bc9633ca15": "How does the Supplemental Retirement Plan (SRP) differ from the Retirement Plan in terms of funding and qualification?", "a23d6a73-114e-40cb-899a-8260055fc024": "What is the purpose of the Supplemental Retirement Plan (SRP) mentioned in the document?", "a457b956-4825-4f55-b8be-a530242526e9": "How does the company provide health care coverage to retired U.S. employees as of January 1, 2017?", "c61a9534-7ae9-4265-9bce-b4c32be2d287": "What were the net periodic postretirement benefit costs for the years ended December 31, 2023, 2022, and 2021?", "aaee406c-fc48-4b07-98e1-79ac37797eb3": "What factors determine the level of benefits provided under the retirement plans for employees outside the U.S.?", "0b6c6e24-32d0-403b-b7e3-ceb3ad5043dd": "How are prior service costs amortized according to the document?", "9e0b0e21-6d85-4c27-9ec2-351b05a1afe7": "What was the benefit obligation for pension plans at December 31, 2023, and how did it compare to the previous year?", "2fd44491-87c1-4e87-aeef-9480b4c49e8b": "What components contribute to the net periodic benefit cost recorded in General and administrative expense?", "da6e13ed-f5f0-4d1d-85b5-cccc1b5171fe": "What caused the actuarial (gain) loss for pension plans in 2023 and 2022?", "a095f0aa-afc1-4062-9eb5-a6ec6ff90d16": "How are actuarial gains and losses amortized according to the company's policy?", "7f141a36-ce1d-4008-adec-2bf75d862a55": "What changes occurred in the benefit obligation for other postretirement plans from January 1, 2022, to December 31, 2023?", "57e0a2e8-aac7-4aa7-821a-c7fe4c08fc81": "What was the fair value of plan assets for Ameriprise Financial, Inc. as of December 31, 2023?", "9adc242e-2894-467d-ac2a-98f1a36b7587": "How much did Ameriprise Financial, Inc. contribute to its pension plans in 2023?", "fe7ac315-9c93-44bc-902a-4e6270a5f153": "What was the accumulated benefit obligation for all pension plans as of December 31, 2022?", "bea14f9a-60f2-43aa-b504-68951861f873": "What discount rate was used to determine benefit obligations for pension plans in 2023?", "8d999870-5af5-4c86-82f2-500af5ed3199": "How did the actual return on plan assets in 2023 compare to that of 2022 for Ameriprise Financial, Inc.?", "49e8b12e-d281-494e-943c-1fbf147a4066": "What is the net amount recognized for other postretirement plans as of December 31, 2023?", "261b7d33-414e-47ac-94e7-94887637eaf4": "What were the projected benefit obligations for pension plans with accumulated benefit obligations in excess of plan assets as of December 31, 2023?", "7bac1900-7f70-4475-8d6d-30a4de6cb6b9": "What assumptions were made regarding the rates of increase in compensation levels for pension plans in 2023?", "2e8da3f8-0005-4435-bf55-e8cb381f9319": "How did the expected long-term rates of return on assets change from 2021 to 2023 for Ameriprise Financial, Inc.?", "5aad946d-1c70-4a35-bc92-3219911f4522": "What were the foreign currency rate changes affecting the fair value of plan assets in 2023?", "09f31987-6b3c-458a-a77d-73bc2635ef95": "What is the target allocation percentage for equity securities in Ameriprise Financial, Inc.'s pension plans?", "ff20773a-d9d8-47db-91ed-dd8987430594": "How does Ameriprise Financial, Inc. mitigate risk in its pension plans' investment strategy?", "4b21ecf6-4e30-4fb3-a3bd-b03a14161605": "What types of assets are included in the pension plans' diversified portfolio?", "6d4fe3e7-4d0e-4697-83cc-a9796d4dcf45": "As of December 31, 2023, what was the total fair value of the pension plans' assets?", "afd0a78a-8a72-4552-bd83-ec5274dd84f0": "What are the classifications used to measure the fair value of equity securities in the pension plans?", "a2d457a2-7265-4203-845a-ca7db62e0bf4": "How much exposure did Ameriprise Financial, Inc. have to derivative instruments as of December 31, 2023?", "db427976-b0b4-4a5c-ba08-a8f8609d6d9a": "What is the significance of Level 1, Level 2, and Level 3 classifications in the context of the pension plans' assets?", "abb2f6ce-c5e7-449e-aab7-dcfc61473302": "What types of investments are included in the collective investment funds mentioned in the document?", "e54b5701-c2c9-4d8c-8531-f4cc13a603eb": "How did the total fair value of the pension plans' assets change from December 31, 2022, to December 31, 2023?", "4cf2ddd6-7973-43a1-b12e-d22a4fe6ee01": "What is the purpose of using derivative instruments in the pension plans according to Ameriprise Financial, Inc.'s investment policies?", "c14b327f-74d3-42ca-8a39-d4e14dd28431": "What is the total amount of unrecognized actuarial loss related to Ameriprise Financial's pension plans as of December 31, 2023?", "515c3851-10a1-461a-8015-fa9a90a41a4c": "How much does Ameriprise Financial expect to contribute to its pension plans in 2024?", "66d260b8-1eb5-4358-9ed0-ab7fde24cca1": "What percentage of eligible compensation does Ameriprise Financial match for employee contributions to the 401(k) Plan?", "2244a67e-3c5b-4729-ba77-992f042d52b6": "What are the expected benefit payments to retirees from the pension plans for the year 2026?", "857fa674-6322-4ba8-85fb-126c9e299fbb": "How much was the defined contribution plan expense for Ameriprise Financial in the year ended December 31, 2022?", "ed8d8dce-ab22-45d1-914c-2a74baeffbe9": "What is the total amount of funding commitments reported by Ameriprise Financial as of December 31, 2023?", "13c228bb-5fee-48d4-ba6f-e1148c8c4e61": "What type of legal proceedings is Ameriprise Financial involved in as part of its normal course of business?", "e1385ad4-6234-4d9e-b0f8-2df5eea9f613": "How long must employees serve to fully vest in match contributions under the 401(k) Plan?", "3a7d27a5-bae5-4d70-9f6e-35ecdb96054e": "What was the expense related to defined contribution plans outside the U.S. for the year ended December 31, 2023?", "edf2282f-7d3d-42d9-98a0-793295d87b41": "What is the amount of unrecognized prior service credit related to Ameriprise Financial's pension plans as of December 31, 2023?", "06e7caf6-da98-4ba3-81dc-d06364f00975": "What regulatory bodies have been involved in inquiries concerning Ameriprise Financial, Inc. and its business practices?", "f381b797-9cb7-4d70-a659-6f66adc3f12c": "How much did Ameriprise Financial, Inc. accrue for the SEC matter related to electronic messaging platforms in 2023?", "2674e45f-89d2-470e-b3c7-56d3b793a514": "What types of financial products and services are mentioned in relation to the regulatory inquiries faced by Ameriprise Financial, Inc.?", "c67891e8-5e32-4f33-b33d-1722de322027": "What is the process Ameriprise Financial, Inc. follows to establish an accrued liability for contingent litigation and regulatory matters?", "372b3840-9cc5-484d-8221-2fc1971d5233": "How does Ameriprise Financial, Inc. estimate the cost of future guaranty fund assessments?", "47ddff22-e852-4bc7-84e9-a8db6dc460f3": "What potential outcomes could result from an adverse judgment against Ameriprise Financial, Inc. in regulatory matters?", "6565c025-be51-4764-8d15-7a60a6f6e177": "What is the significance of the agreement in principle reached by Ameriprise Financial, Inc. with the SEC Staff?", "fe68287b-85a7-4180-b0ed-208760eeb70b": "What factors make it difficult for Ameriprise Financial, Inc. to determine the probability or estimate the amount of loss from pending regulatory matters?", "b64c1a92-fb17-4d8c-9e6e-4f0744b59906": "How does Ameriprise Financial, Inc. monitor loss contingencies that are not both probable and reasonably estimable?", "b85d23ce-9103-4d7f-b52f-b7e3a03fba57": "What are the implications for Ameriprise Financial, Inc. if it is required to pay assessments to guaranty fund associations due to the insolvency of other insurance companies?", "b1a64c9c-94ed-4846-85df-be07bc5815f4": "What is the estimated liability for guaranty fund assessments as of December 31, 2023?", "fd3db2be-0dba-45b1-9b3f-e2090c786b7d": "How does the Company project its cost of future guaranty fund assessments?", "ddcf8a25-159d-407d-89d7-a5e85441291c": "What criteria must be met for the Company to accrue the estimated cost of future guaranty fund assessments?", "efdeabfe-1bf4-4c8a-9607-b00fe5e8e07b": "What was the related premium tax asset for the Company as of December 31, 2022?", "b73bff32-7a30-450f-bd36-7d5fa510438c": "What types of transactions may the Company engage in with significant shareholders or their subsidiaries?", "be3ea6c8-86ad-43e7-bdcd-fe663296f4dd": "Are the transactions between the Company and its executive officers conducted on favorable terms compared to the general public?", "5afb3e30-4fd2-4633-a0ba-5768914d41ee": "What is the estimated liability for guaranty fund assessments as of December 31, 2022?", "8fb0b444-4e3b-4cf8-ae97-ba68ce1ad57e": "How does the Company determine the amount of its premiums written relative to the industry-wide premium in each state?", "cae1b182-fe5d-40fe-be69-b704f98e5874": "What risks are associated with the obligations arising from transactions with the Company's executive officers and directors?", "de4e7ab5-39b8-4cc8-8331-cfbb642cdca3": "What is the expected period over which guaranty fund assessments will be made and related tax credits recovered?", "3691b394-9779-4a7e-a67c-05476b5ef5b8": "What are the four reporting segments of Ameriprise Financial, Inc. mentioned in the document?", "07b0d2a0-fe1f-43fc-ac4e-83962045fe7b": "How does the Advice & Wealth Management segment generate revenue?", "f23c630e-327e-40be-9d5d-9e061b1a2700": "What services does the Asset Management segment provide to its clients?", "1eca35fe-da27-45f9-a1d2-b56578c1ed09": "What is the primary focus of the financial planning services offered by Ameriprise Financial's advisors?", "e98b893f-1699-4381-8ae7-2129b97d07da": "How are intersegment revenues and expenses primarily generated within the company?", "58d9a8a1-bed8-4f47-9d07-614eeb4fbb61": "What types of products are included in the Retirement Solutions of the Retirement & Protection Solutions segment?", "32b2e694-e8e4-4306-8b92-5815519d58c4": "How does the company allocate costs related to shared services among its segments?", "fec60fef-db94-459d-833c-76f695d71f5c": "What factors impact the revenues of the Asset Management segment?", "c48f8b51-af68-499d-97e1-043b276762a8": "What is the significance of the Columbia Threadneedle Investments brand in the Asset Management segment?", "5d5f9f4b-a0d5-4c34-a8fa-86c6d86778fe": "How does the company handle intercompany asset management services within the Asset Management segment?", "72e45547-f40e-4739-94ec-1486667a83d0": "What are the primary sources of revenue for the Asset Management segment mentioned in the document?", "3331e9b7-d9f8-4ce4-8eb8-0f42adc94ff3": "How does the Company earn performance fees in the Asset Management segment?", "bcb47c89-021f-4283-b5da-e5846c92f598": "What types of services does the Asset Management segment provide to Ameriprise Financial subsidiaries?", "1c45f47a-d23e-4bb2-b9fe-591b8c27202b": "What are the two main components of the Retirement & Protection Solutions segment?", "054f18e8-c668-4228-b305-f59996664ec9": "How are revenues for variable annuity products primarily earned according to the document?", "eeb9ed51-dc5e-4629-83ee-ee90ffc2272e": "What factors impact the managed asset balances in the Asset Management segment?", "211054db-f01a-4d06-b8a4-187d9eb025a9": "What types of products does Protection Solutions offer to retail clients?", "a777c619-f1a3-405e-a752-0a4d85eacce6": "How does the Company generate net investment income related to non-life contingent payout annuities?", "c2f7d7c4-c8aa-42d6-b025-4b4912535350": "What are the primary sources of revenue for the Protection Solutions segment?", "a96e3ebe-f95e-4b7c-a2c6-37e6e353bfe1": "In what ways do market movements affect the revenues of the Company\u2019s variable annuity products?", "b12fa884-1974-4892-ab1f-0e6d22482649": "What are the primary sources of revenue for Ameriprise Financial, Inc. as mentioned in the document?", "913ca760-c43a-4d33-b9a2-c6f2632d8406": "How does the Corporate & Other segment contribute to the overall financial performance of Ameriprise Financial, Inc.?", "74722aaf-ac6d-4434-b610-d9a43353ae61": "What is the definition of adjusted operating earnings according to the document?", "58aa5169-4065-4e57-9bee-98cd116baa8f": "What specific impacts have been excluded from the adjusted operating measures effective in the third quarter of 2021?", "b1d6bcd4-6b71-4d8a-8a07-11f62189dd48": "How does management use segment adjusted operating measures in evaluating performance?", "8918b6ba-6a5a-49e9-a553-6b8f3aec227b": "What financial information is summarized in the tables at the end of the document?", "7c4a2fff-5afc-402f-b42b-d4f95d63c9ca": "What are the main components of the Retirement & Protection Solutions segment's revenue?", "87a8e7a2-e477-4948-bd2e-a1c05d213977": "How does the document describe the profitability of fixed deferred annuity products?", "93ef8bbc-153d-4638-b650-e0af392b64da": "What changes were made regarding the amortization of DAC, DSIC, and unearned revenue with the adoption of ASU 2018-12?", "2415c6ca-c33e-41de-b41b-9b6dd42aa23d": "What was the total asset value for Ameriprise Financial, Inc. as of December 31, 2023?", "0856c1df-5e31-4121-b140-4aaaaaf7130a": "What were the total adjusted operating net revenues for Ameriprise Financial, Inc. in the year ended December 31, 2023?", "ee8d4fb5-d30a-4cd8-9e13-8bb255fe7c95": "How did the adjusted operating earnings for the Asset Management segment change from 2022 to 2023?", "2a447a2c-5383-48fa-b2a6-aed58860e072": "What adjustments were made to the total net revenues per consolidated statements of operations for the year ended December 31, 2022?", "9fad454d-12db-4f82-9416-2f80dea71f16": "What was the impact of the block transfer reinsurance transaction on adjusted operating earnings in 2021?", "3391e011-0ecf-43ac-8bac-a362da83d4a3": "How much revenue was eliminated from the Advice & Wealth Management segment due to intersegment revenue recognition in 2023?", "e3396371-bc7c-4a63-a648-b33daf2f23d4": "What was the net income (loss) attributable to consolidated investment entities for the year ended December 31, 2022?", "5dbe80ab-744b-4e36-bf94-bf1b7cba3301": "What were the total segment adjusted operating earnings for Corporate & Other in 2023?", "69016399-440a-47f9-9c9a-60c47d565c1c": "How did the market impact on non-traditional long-duration products affect adjusted operating earnings in 2023?", "45c3f148-381c-44db-be57-79863c213aed": "What was the total adjusted operating net revenue for Retirement & Protection Solutions in 2021?", "2486f320-0bb4-4c1b-9c7f-7b2cbd4e3545": "What were the integration/restructuring charges reported for Ameriprise Financial, Inc. in 2023?", "a4cc34aa-9fa7-489c-bc75-a2649d9e408f": "What was the net revenue for Ameriprise Financial, Inc. in the fourth quarter of 2023?", "634f044a-d975-41c1-addd-ecec449f1451": "How did the pretax income for the second quarter of 2022 compare to the second quarter of 2023?", "d526fa76-0a4f-42ea-82a3-f432ed4032e9": "What was the basic earnings per share for Ameriprise Financial, Inc. in the first quarter of 2022?", "d19a9f12-677a-4ca7-aa43-53d735b2ced9": "How many weighted average common shares were outstanding on a diluted basis in the third quarter of 2023?", "6d8772b6-8719-4b72-9268-4f74409e66ba": "What cash dividends were declared per common share in the first quarter of 2023?", "96705107-e6c9-4464-a3f7-4f63fb8a295d": "What was the net income for Ameriprise Financial, Inc. in the third quarter of 2022?", "20effae5-02be-4ed3-8592-c7c91770243b": "How did the diluted earnings per share in the fourth quarter of 2023 compare to the same quarter in 2022?", "4816debf-e895-48b5-b349-31a0dadcf2f5": "What was the trend in net revenues from the first quarter of 2022 to the fourth quarter of 2023?", "422ebb71-1957-4463-8247-3968aa68ba37": "What was the cash dividend declared per common share in the second quarter of 2022?", "531037d4-af0b-428e-a4a9-89dcdfae78e0": "How did the basic earnings per share in the second quarter of 2023 compare to the first quarter of the same year?", "085e37ef-f0e1-4a12-bb29-db71df966a54": "What is the purpose of the disclosure controls and procedures maintained by Ameriprise Financial, Inc. as described in the document?", "d7c6193e-aabf-4cd7-bca3-d1ab6207f02b": "As of what date did the principal executive officer and principal financial officer conclude that the disclosure controls and procedures were effective at a reasonable level of assurance?", "7e60d50e-29b0-4457-a658-6b4d2d48f3a8": "What criteria did the management of Ameriprise Financial, Inc. use to assess the effectiveness of their internal control over financial reporting?", "802a4218-1e9d-40c7-a8df-ad7c084f476f": "Who is responsible for establishing and maintaining adequate internal control over financial reporting for Ameriprise Financial, Inc.?", "94a819a9-5d2d-4bd5-9c6c-69bba29bd7ee": "What independent accounting firm issued an audit report on the effectiveness of Ameriprise Financial, Inc.'s internal control over financial reporting?", "3e57815c-f04e-4e75-a8e9-7297d184ccc5": "What inherent limitations are mentioned regarding the company's disclosure controls and procedures?", "c98cee26-5bef-47de-a0d5-c030f66322a3": "Did Ameriprise Financial, Inc. report any changes in internal control over financial reporting during the fourth fiscal quarter of 2023?", "e07f0e06-8c0c-495e-94d1-1b8c7c77f77b": "What are some of the key components included in the internal control over financial reporting process as outlined in the document?", "3aab0e20-6b04-4bb9-b9c3-ef23759a3cc3": "How does Ameriprise Financial, Inc. ensure that transactions are recorded in accordance with generally accepted accounting principles?", "d1219628-9123-46ad-bba0-d22aadbae3b9": "Were there any modifications to trading arrangements by directors or officers of Ameriprise Financial, Inc. during the three months ended December 31, 2023?", "8cb79e56-400a-412c-b7dc-d8f5dc047825": "Who is the current Chairman and Chief Executive Officer of Ameriprise Financial, Inc.?", "cc73f1ea-6195-4c9b-8c20-effbbe58fe96": "What is the age of Walter S. Berman, the Executive Vice President and Chief Financial Officer of Ameriprise Financial?", "93534042-e981-427f-9e87-300baeef5871": "Since when has Kelli A. Hunter Petruzillo served as the Executive Vice President of Human Resources at Ameriprise Financial?", "e877cf25-9ff4-4517-b330-e1ba2d397b5a": "What positions did James M. Cracchiolo hold at American Express before becoming CEO of Ameriprise Financial?", "7901dbc0-886d-4d98-bdb0-a6346cc51f53": "What is the purpose of the information incorporated by reference in the Proxy Statement for Ameriprise Financial?", "e2deb631-8716-4494-91ce-6b62115ed891": "How many director nominees are mentioned in the document for the election process?", "79049dfb-9978-4387-884f-508d3552e0c4": "What role does Dawn M. Brockman hold within the Executive Leadership Team of Ameriprise Financial?", "1c815237-b47f-4506-8474-353c953225f0": "What are some of the companies where Kelli A. Hunter Petruzillo held senior-level positions before joining Ameriprise Financial?", "ad92526e-7068-4352-beb2-09aab2cb63d0": "What is the significance of the \"Delinquent Section 16(a) Reports\" mentioned in the document?", "2880d5f2-8210-434a-a8a2-3f64dfa1f0b0": "How long has Walter S. Berman been serving as the Chief Financial Officer since the company\u2019s spinoff from American Express?", "8aae4202-178a-41e7-b06a-526a3cd53256": "Who served as Corporate Treasurer of American Express from April 2001 to January 2004?", "94672ff9-d17d-4be3-98c8-a7670a8d9ba2": "What position has Kelli A. Hunter Petruzillo held since September 2005?", "4453fe00-c71a-4ed3-8ac5-00dce57d7a13": "Which company did Ms. Hunter Petruzillo work for as Senior Vice President-Global Human Capital before joining AEFC?", "bfcba494-4df7-41f2-91f8-5027cd9be7cc": "When did Dawn M. Brockman become the Senior Vice President and Corporate Controller?", "9eb07e72-0eae-4d34-aca7-be280319d376": "What role did Dawn M. Brockman hold immediately before becoming Senior Vice President and Controller?", "5aa02761-3528-4b33-8262-810626694d29": "In what year did Deirdre D. McGraw start her role as Executive Vice President-Marketing, Communications and Community Relations?", "2105493f-a0fc-4b8d-b9e4-d7d84a1f125a": "What was Ms. McGraw's position prior to becoming Executive Vice President in May 2014?", "d1b0648c-ef03-45a2-8950-bc68404b79ed": "How long did Ms. Hunter Petruzillo serve as Executive Vice President of Human Resources for AEFC?", "16da6ac2-8c72-4f95-a624-612bc16bab31": "What type of positions did Ms. Hunter Petruzillo hold at Software Spectrum, Inc., Mary Kay, Inc., and Morgan Stanley Inc.?", "a96dc659-6e41-4ff1-a6f0-dd3234f4f5c9": "What was the duration of Ms. Brockman's tenure in the Vice President Finance - Advice & Wealth Management role?", "ceb8b5cd-ff5e-4b35-87e2-77fc61d4bd27": "Who is the current Chief Information Officer of Ameriprise Financial, Inc. and when did they assume this role?", "378cb708-12cc-4ce1-810c-babdde897a6e": "What educational background does Gerard Smyth have, and where did he obtain his degrees?", "115c3ae9-595b-485a-be42-65c5e72ae8f5": "In what year did Heather J. Melloh become the Executive Vice President - General Counsel at Ameriprise?", "dc87aa7c-2de6-4efe-a739-1274d84af1a1": "What positions did Patrick H. O\u2019Connell hold before becoming the Executive Vice President of the Ameriprise Advisor Group?", "b786456d-6771-468e-9c2e-472776cc26f2": "Who has served as President-Advice & Wealth Management, Products and Service Delivery since June 2012?", "cfa127c4-38eb-4cf6-9630-8232114ae5cf": "What is the professional background of William J. (Bill) Williams prior to becoming the Executive Vice President of the Ameriprise Franchise Group?", "bb92b832-0fd2-4d8b-a2f7-3905bc2b48ab": "When did Gumer Alvero first join Ameriprise, and what role did he hold before becoming President - Insurance and Annuities?", "549088db-346f-4e3e-9781-2ffc7737cea1": "What significant role did William Davies hold before becoming the Executive Vice President and Global Chief Investment Officer?", "11c25e3d-a2ea-4ee2-ba5f-03ea0a7cc249": "Which university did Joseph E. Sweeney attend for his MBA and B.S. degrees?", "2c0581a8-b0ff-44ed-b118-7451587fdece": "What industry groups is Heather J. Melloh involved with as a leader within Ameriprise?", "155281f1-d185-4149-9241-28b22b205ee3": "Who is the current Executive Vice President and Global Chief Investment Officer at Columbia Threadneedle Investments?", "348862b1-4481-408a-999d-5395dc70fbaa": "In what year did Mr. Alvero join Ameriprise?", "e3f9e950-8aad-4313-af4e-aacd345201a1": "What educational background does William Davies have?", "94bfd5a0-e992-4b1c-8645-0eb5d774aab1": "What position did David Logan hold before becoming Head of EMEA and Global Business Operations in November 2023?", "2b4a0f18-acf7-406c-ac5c-c8e667d936a1": "How long has Mr. Truscott been serving as CEO - Global Asset Management?", "adeb907a-eeca-40bf-8c05-979f67ea4f53": "What are the three standing committees of the Board of Directors mentioned in the document?", "5648ba1e-a48f-4875-acf1-8dbd825d2fc5": "Which company did Mr. Logan work for as Chief Operating Officer, EMEA from 2014 to 2016?", "892f0fe5-8876-4db3-80af-2778814ea543": "What is the primary focus of the Corporate Governance Principles adopted by the company?", "ae1c8626-d149-4f1a-9c69-8b6ecac4e942": "What degree did David Logan earn, and from which field of study?", "e48663e7-b696-4262-99ef-7a9dc49a8088": "How many years of experience in the financial services industry does Mr. Logan have?", "9618b95b-fcc4-4f0f-9fa8-d98fd9860c23": "What is the purpose of the Corporate Governance Guidelines mentioned in the document for Ameriprise Financial, Inc.?", "1cade56c-b076-4ada-896b-3c62b30eecee": "Where can one find the Code of Conduct for Ameriprise Financial, Inc.?", "4f429494-65f0-4a0c-aba9-ef9d44b2b067": "What information is incorporated by reference under Item 11 regarding Executive Compensation?", "321930e2-e6cb-4750-aac7-e40c1af87c96": "How many securities are available for future issuance under equity compensation plans approved by security holders?", "28f63874-6b4e-4b66-91a1-ebeb7bc207b5": "What is the weighted-average exercise price of outstanding options, warrants, and rights for Ameriprise Financial, Inc.?", "65fb41de-3052-462f-8473-a3c827b8b6f2": "What are the names of the non-shareholder approved equity compensation plans mentioned in the document?", "aec28a91-035e-4345-853a-36c8e713c8ca": "What is the maximum number of Performance Share Units (PSUs) that could be earned under outstanding PSU grants?", "cefc7b02-ec3b-42b8-8425-feda04804980": "How many shares of common stock are issuable under the Ameriprise Advisor Group Deferred Compensation Plan?", "2d9edbad-e162-4be2-8702-9ee423b6a04d": "What sections of the Proxy Statement are referenced in Item 13 regarding Certain Relationships and Related Transactions?", "53e14f1b-a7c8-4c4b-b998-ebb4a539cbc2": "What information can be found in Part II, Item 5 of the Annual Report on Form 10-K concerning Ameriprise Financial, Inc.?", "b2e82ee8-775a-4d5a-8128-ea7b8db0ced7": "Where can one find descriptions of the equity compensation plans mentioned in the document?", "6bd47b15-0302-4e42-9277-ffc833cc2f21": "In which section of the Annual Report on Form 10-K is information about the market for common shares located?", "6248a4b2-2a19-4f21-a8b0-377303678f8e": "What specific information is incorporated by reference under the caption \u201cOwnership of Our Common Shares\u201d in the Proxy Statement?", "c58df053-d361-4b75-8f17-79d3aa315b73": "Which items in the Proxy Statement provide details about director independence and related transactions?", "7b29d716-732d-4777-963e-b794650f7390": "What is the heading under which the ratification of the audit firm's selection is discussed in the Proxy Statement?", "d8b12bd9-849d-47c4-9db3-edd426ac56b2": "Which independent registered public accounting firm is mentioned for the year 2024 in the document?", "4bb05736-d522-4dfe-ab3d-67898406a557": "What topics are covered under the section \u201cPrincipal Accountant Fees and Services\u201d in the Proxy Statement?", "43db3486-ff11-414e-9d28-3962cd58ca36": "How does the document categorize the information related to the independence of committee members?", "e7a36eb9-d5e3-4bfd-8b03-d118606e53c3": "What policy is referenced regarding the pre-approval of services provided by the independent registered public accounting firm?", "1c6ae2f8-56ae-4d2f-af90-f7165daf5cbe": "Which part of the Annual Report contains information about certain relationships and related transactions?", "297cbbd7-b866-4412-a398-0a5c4f463642": "What financial statements are included in Item 15 of the Ameriprise Financial, Inc. Annual Report on Form 10-K?", "f63e5efc-7415-4548-a933-66dd294f94bb": "Which years are covered in the Condensed Statements of Operations for Ameriprise Financial, Inc.?", "a36ec888-0a4f-4063-9737-566e73133ce6": "What is the purpose of the representations and warranties mentioned in the exhibits section of the report?", "0ec4cc62-3069-4a82-9469-89ed7379119c": "How many exhibits are filed as part of the Annual Report on Form 10-K for Ameriprise Financial, Inc.?", "91a9f98a-5d24-4b2a-9239-45da6f069a28": "What is the significance of the asterisk (*) next to certain exhibit numbers in the document?", "194ca6d5-5146-4d5f-a32b-86351619fe64": "Which document outlines the Amended and Restated Bylaws of Ameriprise Financial, Inc.?", "9e9ef59d-6163-4117-b25b-9d61a92d6fe3": "What type of financial schedules are omitted from the report, and why?", "ad1f143f-1a73-4d42-a935-43052984bb72": "What is the date of the Indenture between Ameriprise Financial, Inc. and U.S. Bank National Association mentioned in the document?", "3ebcd83a-f6ae-4f83-9edc-8e6c228bb4f3": "How does Ameriprise Financial, Inc. address the allocation of risk among parties in their agreements?", "e584321a-61db-44ad-af60-7df1b1509f95": "What information is incorporated by reference in the description of securities for Ameriprise Financial, Inc.?", "fcf040c6-89a2-4ff9-92c4-b13f8f32fbb5": "What is the date of the Indenture between Ameriprise Financial, Inc. and U.S. Bank National Association?", "aeba2862-a1c2-462d-b60f-b117466b112a": "Which document references the Junior Subordinated Debt Indenture dated May 5, 2006?", "19308369-2f9f-4aca-9c5c-a8e7f361e196": "What type of agreement is the Tax Allocation Agreement mentioned in the document?", "18bb02eb-0e7f-480b-b24c-8225020da6fd": "When was the Ameriprise Financial 2005 Incentive Compensation Plan amended and restated?", "8f300743-3d7e-46fe-b41d-cf8862910f96": "Who is the trustee for the debt indentures mentioned in the document?", "d5b77b6b-e6b5-48e3-9fcd-3c4428980dc0": "What is the effective date of the Ameriprise Financial Deferred Compensation Plan as stated in the document?", "f9e48bf3-03d3-4374-84ed-12c642063dcc": "Which filing contains the reference to the Subordinated Debt Indenture dated May 5, 2006?", "8c83618f-3fc1-4326-bcdf-8a79431f3b63": "What is the significance of the date September 30, 2005, in relation to Ameriprise Financial, Inc.?", "bbd9940f-06a1-4053-9e44-19527be68faf": "How many exhibits are referenced in the document related to the Registration Statement on Form S-3ASR?", "8f6bd280-2b36-42b7-9fe8-63d96349e155": "What type of financial instruments are discussed in the indentures mentioned in the document?", "2a178fbe-1a85-41b4-ada3-bd1e6bbf71af": "What is the effective date of the Ameriprise Financial Supplemental Retirement Plan mentioned in the document?", "a9862901-ef3e-410e-82d2-82a89075a555": "Which exhibit references the Ameriprise Financial Form of Award Certificate for Non-Qualified Stock Option Award?", "1ac67a27-2376-4c1e-98b6-f6d400ecb89e": "What type of award is described in Exhibit 10.10 of the document?", "88525266-c5a7-46d8-8731-809be94ed4fd": "When was the Ameriprise Financial Senior Executive Severance Plan last amended and restated?", "60f98b50-75d8-4267-a184-41bc11f19b53": "Which exhibit contains the Performance Cash Unit Plan Supplement to the Long-Term Incentive Award Program Guide?", "f4b7fb9c-18c1-4093-bdfb-590873a73e84": "What is the purpose of the Form of Indemnification Agreement referenced in the document?", "818e80b6-321d-4caf-b2ed-9f7211c26166": "How many different types of award certificates are listed in the document?", "9bb4098e-6c96-45a4-b018-c41be02550be": "What is the filing date of the Annual Report on Form 10-K that includes the Ameriprise Financial Long-Term Incentive Award Program Guide?", "6b0f4d56-20c0-4ea0-bc0d-c59c800cbf97": "Which exhibit details the CEO Security and Compensation Arrangements?", "8305f4a8-7139-444d-817a-51e81fbb6716": "What is the significance of the date December 3, 2014, in relation to the Ameriprise Financial Deferred Share Plan for Outside Directors?", "727a2184-f00f-43c2-9b76-a4c3dd808dde": "What is the filing date of the Form of Indemnification Agreement for Ameriprise Financial's executives?", "7b3d8f62-c37d-40e6-b135-72614b61be80": "Which financial institutions are mentioned as lenders in the First Amendment to the Fourth Amended and Restated Credit Agreement dated June 21, 2023?", "7cef8991-a0ca-42cb-adf9-1218d34f304e": "What is the effective date of the Threadneedle Deferral Plan as amended and restated?", "e8863541-ca3f-4108-8f3d-0c07d4f92500": "How many exhibits related to the Ameriprise Financial 2005 Incentive Compensation Plan are referenced in the document?", "26966c60-df4c-4db2-ba18-88b4698fb904": "What type of agreement is incorporated by reference to Exhibit 10.1 of the Current Report on Form 8-K filed on April 26, 2012?", "9dcc4e69-ee34-459f-8097-34db24e227c7": "Who is the Administrative Agent in the Fourth Amended and Restated Credit Agreement dated June 11, 2021?", "4de79513-ab0c-4611-b63e-a36798be9ea2": "What is the purpose of the Deferred Stock Unit Award Certificate mentioned in the document?", "b00943a9-514c-469a-9791-70eeb6e65467": "When was the First Amendment to the Threadneedle Deferral Plan effective?", "d19cf4a6-eb0f-4574-abd6-a852b867f0fc": "Which report includes the Severance Plan for William Davies as an exhibit?", "a6e92056-985d-4479-9ed1-4db73638cdda": "What is the significance of the date April 28, 2023, in relation to the Ameriprise Financial 2005 Incentive Compensation Plan?", "c8d08e94-c21f-44f6-98bc-26ba3c5e6d51": "What is the purpose of the Deferred Stock Unit Award Certificate mentioned in the document?", "e17cbff0-1d63-4ef2-ab70-60886e60441c": "Which plan is referenced in the Ameriprise Financial Performance Cash Unit Plan Supplement?", "232dd272-fcd1-400f-9a1a-b4cb4798066d": "What is the filing date of the Quarterly Report on Form 10-Q that includes the referenced exhibits?", "adbfb35c-4648-4903-9d77-b6cffcb0971d": "How many different forms of award certificates are listed for grants after April 26, 2023?", "555c8068-e99e-4bdb-ab02-5f23fb87a44e": "What amendment is noted for the Ameriprise Financial Annual Incentive Award Plan?", "cbe9c7e5-81e3-4820-bf7d-acaa88042053": "Who are the individuals that provided certifications pursuant to Rule 13a-14(a)?", "3d065a10-0460-4576-a493-9854e04e9c5d": "What type of document is the Ameriprise Financial, Inc. 2023 Annual Report to Shareholders classified as in the context of the SEC?", "5a4b704a-fc75-452a-a943-405e86564c6c": "Which independent registered public accounting firm is mentioned in the document?", "eaa643b7-c846-467b-89ae-ddc556b69420": "What is the significance of the date April 26, 2023, in relation to the various award certificates?", "4ea92633-1422-436b-b823-775cc8857231": "What information is provided about the subsidiaries of Ameriprise Financial, Inc. in the document?", "4b753db5-3805-4d6e-a310-5bb183c93aa9": "What is the purpose of the portions of the Ameriprise Financial, Inc. 2023 Annual Report mentioned in the document?", "34e1a1af-4658-4d15-864f-7410697bc8fd": "Which independent registered public accounting firm provided consent for Ameriprise Financial, Inc.?", "29d257c9-ba72-40fa-a1b7-f2f2818d9827": "What certifications are included in the Ameriprise Financial, Inc. Annual Report under Rule 13a-14(a)?", "ba60a51a-10c5-4384-b3cc-95d1e09104d6": "What is the significance of the Ameriprise Financial, Inc. Policy for the Recovery of Erroneously Awarded Compensation?", "9b6e227b-be07-441a-9e10-aac6150d1e33": "What financial statements are formatted in iXBRL in Ameriprise Financial, Inc.\u2019s Annual Report on Form 10-K for the year ended December 31, 2023?", "57939738-6571-495b-bb85-f298f6af4143": "What years are covered in the Consolidated Statements of Operations included in the Ameriprise Financial, Inc. Annual Report?", "bc63632b-439b-4b7c-91a5-97a53eb6d484": "What does the document indicate about the cover page of Ameriprise Financial, Inc.\u2019s Annual Report?", "7345e45c-14fa-4928-b76d-ccb4abdf2f10": "Are there any management contracts or compensation plans mentioned in the Ameriprise Financial, Inc. Annual Report?", "0bb0dd72-b964-48b4-bc51-73648a7438ad": "What is the item number associated with the Form 10-K Summary in the Ameriprise Financial, Inc. document?", "7da1bf4e-9e1a-4bbf-af87-078796f2e893": "How many years of financial data are presented in the Consolidated Statements of Cash Flows for Ameriprise Financial, Inc.?", "caaffe6b-e2eb-4f39-a82b-fdfb1b3d8a5a": "Who is the Chief Financial Officer of Ameriprise Financial, Inc. as of February 22, 2024?", "46dfda47-f8e6-4373-8878-553d4ffb684d": "What is the date on which the report was signed by the executives of Ameriprise Financial, Inc.?", "ad7861af-af68-486c-8226-171e0e25c55e": "How many directors signed the report on behalf of Ameriprise Financial, Inc.?", "32fee855-9d4f-4acf-ad5c-d55e6fe1c0ba": "What is the role of James M. Cracchiolo at Ameriprise Financial, Inc.?", "06265f29-4e48-4188-aabb-0c4d10fc9684": "Which section of the Securities Exchange Act of 1934 is referenced in the document?", "95472771-f0fb-4af0-b5d1-5e6cdcb6466f": "Who is the Senior Vice President and Controller of Ameriprise Financial, Inc.?", "4fd14446-5957-4d49-866b-38f8e7732ec9": "What is the title of Walter S. Berman within Ameriprise Financial, Inc.?", "1e8adec7-afc3-46fd-a954-78386bedf115": "Are there any signatures marked with an asterisk (*) in the document, and if so, who are they?", "f6e1b82c-8454-4431-8e95-f8a5d8ddb4ee": "What is the primary purpose of the report mentioned in the document?", "804b2751-e04d-46a3-8544-7f67b79fc66d": "Which executive holds the title of Chairman and Chief Executive Officer at Ameriprise Financial, Inc.?", "a4381787-45e1-48ba-a31b-348e881cedf8": "Who is the Director mentioned in the document for Ameriprise Financial, Inc.?", "754d5581-1cbc-46cf-8f7f-c87764eaa605": "What is the date of the document related to Ameriprise Financial, Inc.?", "7ebfa01c-1f71-4628-8d40-bc15be9bb39c": "What position does Walter S. Berman hold at Ameriprise Financial, Inc.?", "6e4c5be2-2684-4ca3-ac4a-6c594e64533d": "What type of document is this excerpt taken from?", "4b08200c-163c-4569-b9f5-45559e662e7f": "What does Walter S. Berman's signature indicate regarding the powers of attorney?", "b288762f-0ee6-42f0-9ac7-88741dc6726b": "How many Directors are mentioned to have signed the document?", "ef3d052d-5d86-4c6f-aeb5-a78644c3dfc4": "What is the purpose of the powers of attorney referenced in the document?", "33123271-2687-436c-b249-12fec5a7ea80": "What is the relationship between Christopher J. Williams and Walter S. Berman as indicated in the document?", "69bc4711-d8ad-4e39-8555-d73b23601734": "What regulatory body is mentioned in connection with the powers of attorney?", "8858f97a-7e18-4718-8bd1-6ee6005d83da": "What is the significance of Exhibit 24 in relation to the document?", "3b70af46-be00-4a22-88cd-1c5ff0537d44": "What financial information is presented in the \"Condensed Statements of Operations\" for Ameriprise Financial, Inc. for the years ended December 31, 2023, 2022, and 2021?", "ae4d0f4d-4748-4e96-beed-cd4c89c1a36a": "How do the condensed balance sheets of Ameriprise Financial, Inc. for December 31, 2023, and 2022 compare?", "a67a8891-9174-4daf-9636-56eefd941b68": "What key data is included in the \"Condensed Statements of Cash Flows\" for Ameriprise Financial, Inc. for the years ended December 31, 2023, 2022, and 2021?", "fa9bcc2f-e315-4152-91d5-ced849ee1367": "What is the purpose of the \"Notes to Condensed Financial Information of Registrant\" section in the document?", "a9e73fd8-fb2e-4c7b-86f4-6d45a6044438": "How many years of financial data are summarized in the \"Condensed Statements of Operations\" for Ameriprise Financial, Inc.?", "eb0697d5-a9ec-476a-86fd-ca7fcdb2a16f": "What specific dates are covered in the \"Condensed Balance Sheets\" for Ameriprise Financial, Inc.?", "eb25aff6-83c1-4e3d-9441-3503005d8ae6": "What type of financial information can be found in the \"Condensed Statements of Cash Flows\"?", "6fd25cde-5afa-4f96-ac42-1fbb16070940": "What is the significance of the \"Schedule I\" designation in the context of Ameriprise Financial, Inc.'s financial information?", "be7294ac-9ed4-46c3-8eec-250f9f7eb134": "In which section of the document would you find detailed explanations regarding the financial figures presented?", "39a19c3f-3d33-447d-a0c1-2b077c5db087": "What is the overall structure of the condensed financial information provided for Ameriprise Financial, Inc. in this document?", "ef32fe48-3b2e-405b-9a69-9b40dd1f4cb3": "What was the total revenue for Ameriprise Financial, Inc. in the year ended December 31, 2023?", "13f386d7-c14a-459d-9a92-fe1fd2ecda3b": "How much did Ameriprise Financial, Inc. report in net investment income for the year ended December 31, 2022?", "795d0139-36c1-4ddb-bd3f-927a096fb15c": "What were the total expenses for Ameriprise Financial, Inc. in 2021?", "2da7f976-8fa7-4179-9fa3-68e98fd29388": "What is the pretax loss before equity in earnings of subsidiaries for Ameriprise Financial, Inc. in 2023?", "70d30aea-fe97-4179-a634-191d31574926": "How did the income tax provision change from 2021 to 2022 for Ameriprise Financial, Inc.?", "18a1ea5d-30f2-4852-a08a-e899d98b3218": "What was the equity in earnings of subsidiaries, net of tax, for Ameriprise Financial, Inc. in 2022?", "e840ccf2-caeb-4077-997a-278574722b81": "What was the amount of other comprehensive income (loss), net of tax, for Ameriprise Financial, Inc. in 2023?", "508b71a2-7a52-4ca6-9b1a-40d28923c472": "How much did Ameriprise Financial, Inc. incur in interest and debt expense in 2023?", "99cf6b95-55a9-484a-bc12-7a258b40ad10": "What was the total comprehensive income (loss) for Ameriprise Financial, Inc. in 2022?", "3adf7c54-ba38-428d-89d3-0be7048b7130": "How much did distribution expenses increase from 2021 to 2023 for Ameriprise Financial, Inc.?", "9304f753-31da-4a43-bd6e-6c4b58477b23": "What was the total assets amount for Ameriprise Financial, Inc. as of December 31, 2023?", "f277af0e-1545-4f9d-9bcf-c8ce7d0aabb0": "How much did the investments in subsidiaries increase from 2022 to 2023?", "10512da8-1e21-4862-9aaa-ab66b8d771c2": "What is the par value of common shares for Ameriprise Financial, Inc.?", "4ff84e80-1dca-4566-9ac7-4a4f6323f723": "What were the total liabilities for Ameriprise Financial, Inc. at the end of 2022?", "3a0a2630-861a-4d25-8eb1-f48351de5643": "How much did the retained earnings of Ameriprise Financial, Inc. grow from 2022 to 2023?", "1a68a34b-ecf8-44b3-8dc7-b7166567aeb5": "What is the amount of cash and cash equivalents reported for Ameriprise Financial, Inc. in 2023?", "fbc70960-4a39-4817-a9c0-e7c791163fce": "How many shares of common stock were issued by Ameriprise Financial, Inc. as of December 31, 2023?", "380ba2c9-9283-4107-b41a-a32b112fb1d7": "What was the accumulated other comprehensive income (loss) for Ameriprise Financial, Inc. at the end of 2023?", "9bc9c805-69ee-4834-b715-1781411e2fcd": "How much did the long-term debt of Ameriprise Financial, Inc. increase from 2022 to 2023?", "7a1a8928-32be-4603-af2c-2d3f0da8faf6": "What is the total equity reported for Ameriprise Financial, Inc. as of December 31, 2023?", "073c6700-68c6-46f7-8890-1b5b9a159648": "What was the net income for Ameriprise Financial, Inc. in the year 2023?", "96c9708d-cddd-4e2f-ad12-9cdcb2af3d38": "How much did Ameriprise Financial, Inc. pay in dividends to shareholders in 2022?", "82e9781f-3f4b-45d2-aa04-e681f761f16a": "What were the cash flows from investing activities for Ameriprise Financial, Inc. in 2021?", "9752d245-b78b-4e23-8444-771fb50e672b": "How much did Ameriprise Financial, Inc. receive in dividends from subsidiaries in 2023?", "d6fc2439-d030-4b56-b017-138287116b18": "What is the total cash and cash equivalents at the end of the period for Ameriprise Financial, Inc. in 2022?", "0c45f457-48a5-4b64-9081-ee8d6fac7803": "What were the proceeds from sales of available-for-sale securities in 2023 for Ameriprise Financial, Inc.?", "8594c4f7-4492-431c-8a0a-c8289627e905": "How much did Ameriprise Financial, Inc. spend on the purchase of land, buildings, equipment, and software in 2021?", "2e7af3f1-ba5c-407c-a317-3b5c1cc67e5e": "What was the net cash provided by (used in) operating activities for Ameriprise Financial, Inc. in 2022?", "64518ffb-5ed7-4ccb-b576-7647119761c6": "How much did Ameriprise Financial, Inc. repay in long-term debt in 2023?", "ba5a3add-2af8-44b4-aee3-8d6cfd367200": "What were the non-cash dividends from subsidiaries reported by Ameriprise Financial, Inc. in 2023?", "ab2b0160-0e27-4ecb-944c-182292781220": "What is the primary basis of presentation for the Condensed Financial Statements of Ameriprise Financial, Inc.?", "24bfa882-ebb3-48d7-a213-aea6a2c3b9d4": "How did the adoption of ASU 2018-12 affect the total equity of Ameriprise Financial as of January 1, 2021?", "3a536ccc-1de5-48aa-a4dd-708aecd2f656": "What type of financial instrument did RiverSource Life Insurance Company issue to the Parent Company on December 23, 2020?", "1013f537-da39-4c94-80c0-2a9f99dc2098": "What are the conditions under which RiverSource Life can make payments on the surplus note issued to the Parent Company?", "143dd596-680b-434e-b710-9ce03f8a6027": "How much interest income did the Parent Company report for the years ended December 31, 2023, 2022, and 2021 from the surplus note?", "a1139d2c-5eee-42f1-925e-bceb96642a3a": "What loss did the Parent Company realize when redeeming the outstanding residual tranche issued by Ameriprise Advisor Financing, LLC (AAF)?", "112ccf99-c6c9-4bbc-8b4a-1eca4b0bc70f": "What was the fair value of the residual tranche issued by Ameriprise Advisor Financing 2, LLC (AAF 2) as of December 31, 2023?", "05352ee8-dc60-44c0-8999-65550166901f": "What type of collateral backs the borrowings from the Federal Home Loan Bank of Des Moines as reported by Ameriprise Financial?", "7f6bdb5d-d216-456a-b740-011a6f1d6b90": "How are the revenues and expenses of the Parent Company primarily related to its subsidiaries and affiliates?", "183b7d5d-48ac-4d08-a940-957b7e37ae04": "What was the total amount of borrowings from the Federal Home Loan Bank of Des Moines as of December 31, 2023?", "fef5bb7c-63ad-4e9f-b9a1-9ab2e0c39be8": "What was the fair value of the residual tranche issued by AAF 2 as of December 31, 2023?", "217132a6-ebec-43a8-8dbd-3f3ebdbc114d": "How much interest income did Ameriprise Financial report for the years ended December 31, 2023, 2022, and 2021?", "1f5312fd-1d2e-4360-b9d3-2fea86aae106": "What amount of borrowings did Ameriprise Financial have from the Federal Home Loan Bank of Des Moines as of December 31, 2023?", "d1b0bbd6-54ce-41c4-9952-409feb4d3491": "What were the outstanding amounts of the revolving credit agreements with subsidiaries for Ameriprise Financial as of December 31, 2023 and 2022?", "c7bcf7b2-c3a9-46b5-a2aa-4c481aaeb8b6": "What is the maximum commitment amount specified in the Capital Support Agreement between the Parent Company and Ameriprise Certificate Company?", "e6a648fa-0e85-40f3-b92e-f5689cf99ec3": "How much was available for repayment due on demand from the Parent Company to its subsidiaries as of December 31, 2022?", "736b38d9-fb86-47e3-bea8-a6e0ddc4e811": "What type of securities collateralized the borrowings from the Federal Home Loan Bank of Des Moines?", "7a7e0103-49aa-48ad-ae38-7a26ccfdabc7": "Did Ameriprise Certificate Company draw upon the Capital Support Agreement for the years ended December 31, 2023, 2022, and 2021?", "38599f3d-2401-41b0-9bc4-983965f2e7f5": "What were the amounts outstanding for the Parent Company's guarantees related to operating leases of subsidiaries as of December 31, 2023?", "f8c106aa-abe3-488b-b6bd-2955f3c476c1": "How did the fair value of the residual tranche change from December 31, 2022, to December 31, 2023?", "712fd4eb-bc2b-45aa-ba0c-02dcd96f8cf5": "What is the purpose of the subordinated loan agreements entered into by Ameriprise Financial, Inc. and its subsidiaries?", "139f5d14-536a-4f8a-ba0a-e01c37f00087": "How much was the secured demand note agreed upon by AFS and the Parent Company on December 15, 2014?", "0621dd03-c047-432f-81f2-1e152b2b3e2a": "What collateral secures the $200 million demand note between AFS and the Parent Company?", "0c00aa30-3175-4187-bdf0-3d9c03e6ba6c": "When was the subordinated loan agreement between Ameriprise Enterprise Investment Services, Inc. and the Parent Company initially established?", "0d1290d8-f3ec-4844-8737-730d72a79b73": "What is the current maturity date for the subordinated loan agreement between AEIS and the Parent Company after its renewal in January 2022?", "0cba0e21-96e3-46ba-be0a-5f297a1969e4": "What amount did the Parent Company contribute to Ameriprise Advisor Capital, LLC on January 30, 2024?", "ceab10f1-b636-4dd3-9ea0-4f45bb44c9f2": "How much cash dividend did the Parent Company receive from AMPF Holding, LLC on February 14, 2024?", "42689670-1023-425b-b116-2f9ab9fe19c7": "What regulatory body approved the subordinated loan agreements mentioned in the document?", "21706421-e40d-471e-90f9-4b061113eb62": "As of December 31, 2023, had AFS made a demand for the principal amount of the secured demand note?", "5f2d7d4c-bbce-4dca-8bb7-42c5c59ad8eb": "What is the initial term of the subordinated loan agreement between AEIS and the Parent Company?", "0915bee8-3724-40c4-a5a2-a99fe8722e99": "What is the fiscal year end date for The Boeing Company's annual report mentioned in the document?", "931644d7-0016-4549-b656-a72fa2315b0a": "What is the Commission file number for The Boeing Company as stated in the report?", "f6cece76-f4bc-4681-bd5c-bc681a621d75": "Where is The Boeing Company's principal executive office located?", "13a19bac-3c9d-4a1a-81d4-287f0c1d839d": "What is the trading symbol for The Boeing Company's common stock on the New York Stock Exchange?", "4740e6a1-39cd-46c1-8f8a-864dc63af950": "As of June 30, 2023, how many common shares of The Boeing Company were outstanding and held by non-affiliates?", "f76d7262-856c-414e-8098-976e15ef241c": "What is the aggregate market value of The Boeing Company's common shares as of June 30, 2023?", "15c24106-566c-4383-9b3c-ae6016aee4b2": "Is The Boeing Company classified as a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company?", "2181004f-e2cf-4a1b-986b-b5638880bcfb": "What is the I.R.S. Employer Identification Number for The Boeing Company?", "149f8369-6f00-4fa7-975c-1d89b6e95253": "Did The Boeing Company file all required reports during the preceding 12 months according to the document?", "a08d9c6a-4413-49b1-9b1f-9f19ffd12c84": "What is the number of shares of The Boeing Company's common stock outstanding as of January 24, 2024?", "aa279823-d185-4d2d-b061-87920c5b7eb0": "What is the aggregate market value of the registrant's common shares as of June 30, 2023?", "99c6b447-a01b-4bb2-a9af-7a78513f8b74": "How many common shares were outstanding as of January 24, 2024?", "08635208-206b-4081-93d9-88d614f962a2": "Does the document indicate whether the registrant is a shell company?", "b477d83b-4f07-4c93-ab8b-d648904a35d5": "What is the total number of common shares outstanding held by non-affiliates of the registrant as of June 30, 2023?", "51747ebd-55b3-41f2-a9be-0e77f24702f2": "What regulatory requirement is referenced regarding the recovery analysis of incentive-based compensation?", "d584cd2a-23b9-4e3c-82d7-d1866b0bc822": "When is the registrant's definitive proxy statement expected to be filed with the Securities and Exchange Commission?", "1655e7f8-9ea7-40ea-ba66-34119727d65d": "What was the closing price of the registrant's common shares based on the New York Stock Exchange?", "37d0fbb2-aa4d-4dea-96f5-8d260f5d6bc4": "How many common shares were outstanding as of June 30, 2023, according to the document?", "44bb0790-8db9-4e6c-b5ae-ca02716e56ee": "What section of the Exchange Act is mentioned in relation to the recovery analysis of executive compensation?", "c69c1e0d-3045-4014-ae4a-9b5e9c7b0595": "What is the significance of the number of shares outstanding for understanding the registrant's market value?", "8ae9da5d-893f-424f-8636-d4c0cee20c6e": "What is the primary focus of Item 1 in the Boeing Company's Form 10-K for the fiscal year ended December 31, 2023?", "b02f9b4c-dbbe-4e7b-8cd5-9d538fe0eb8d": "In which section of the document can you find information about the Boeing Company's risk factors?", "c8894d1a-df0b-45f4-8c28-8f162f869793": "What item number corresponds to the discussion of cybersecurity in the Boeing Company's Form 10-K?", "7096ff31-beb7-4aa8-9b2d-0a27448dd8ae": "Where in the document can you find details about the Boeing Company's properties?", "95cfd988-fece-44a9-ada2-66c22879c328": "What is the page number for the Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations?", "003bbb0f-b78f-472f-9f49-ebb800b12c77": "Which item addresses unresolved staff comments in the Boeing Company's Form 10-K?", "8544d069-bf0f-4224-9156-a2f84044f517": "What type of disclosures are covered under Item 4 of the Boeing Company's Form 10-K?", "97a9185f-f4ca-46e9-a313-164f0350be15": "In which part of the document would you find information regarding the Boeing Company's executive compensation?", "abff22cc-b0f2-484f-b3ba-237793815239": "What is the purpose of Item 15 in the Boeing Company's Form 10-K?", "95d42cba-7e62-4a33-a3bb-d394b13ae9a2": "Where can you find the signatures of the individuals responsible for the Boeing Company's Form 10-K?", "6030d355-3e95-4819-972c-a22f0f39cbd3": "What are the three reportable segments in which Boeing operates?", "4611646f-a3cb-447e-bf95-4493af7e01b3": "Which commercial jet models are currently in production by Boeing?", "eb16acc4-96c8-4e23-a249-dfc05cfd07ee": "What types of military aircraft and systems does Boeing's Defense, Space & Security segment focus on?", "21352661-cc9e-4949-818a-c6f50dd9376d": "What services does Boeing's Global Services segment provide to its customers?", "ad68f4e3-0a73-4dba-a53b-9f570fd756fa": "How does Boeing utilize its intellectual property in relation to government contracts?", "41199f30-b738-4b8e-b2bf-0a046c20bb30": "What ongoing development programs are mentioned for Boeing's commercial airplanes?", "146b83d8-3b11-49db-9559-4a32daac71ef": "What is the significance of unpatented research and engineering skills to Boeing's business?", "79bd3b1f-4eb1-44c8-b439-c3127dd461c0": "In what ways does Boeing engage in licensing intellectual property with third parties?", "3348d9b2-9f59-4153-acdd-9f9079a5d545": "What types of products and services are included in Boeing's Global Services segment?", "a353824d-fc53-457e-8fbb-4495c3e4f788": "How does Boeing's portfolio of patents contribute to its competitive advantage in the aerospace industry?", "9718d490-812e-4a67-aff1-0072e8f169df": "What was the total workforce of Boeing as of December 31, 2023, and how does it compare to the previous year?", "883a93a8-8ba0-4f3f-b20d-3971658b5b07": "What percentage of Boeing's workforce is represented by the International Association of Machinists and Aerospace Workers (IAM)?", "de5ebd10-0dec-4fb9-96ca-84fd2c643931": "When do the major agreements with the Society of Professional Engineering Employees in Aerospace (SPEEA) expire?", "f10ce120-3700-4dff-905e-08ece3b45d90": "How does Boeing demonstrate its commitment to diversity and inclusion within its workforce?", "caaee936-ec12-40d1-98e9-80c561c5c935": "What competitive benefits does Boeing offer to attract and retain qualified talent?", "44ee4508-54de-40b7-987f-9497839830d9": "What was Boeing's voluntary resignation rate in 2023?", "8a6088c6-66d6-4318-95e4-4ed5e19737b0": "How many new employees did Boeing hire in 2023 for critical skills, and what was the offer acceptance rate?", "60a2dcfb-46c2-4db4-a72a-557572ccd0b5": "What types of employee engagement activities does Boeing utilize to gather feedback from its workforce?", "bf8c207c-1d62-487f-8879-4820251600af": "How many Business Resource Groups does Boeing have, and what is their purpose?", "9ea5ef88-faf7-47d4-9133-9d64c0e0b620": "What is the status of the major agreement with the United Automobile, Aerospace and Agricultural Implement Workers of America (UAW)?", "b525ce86-34a2-433c-a72e-e312f61331f6": "What commitment does Boeing make regarding the continuous development of its employees' skills?", "13a598e0-7915-44e7-8002-981d9c4dc629": "How many hours of learning did Boeing employees complete in 2023?", "833ac0d7-cefb-4d43-a00a-ed929573dce9": "What types of educational programs does Boeing offer to its employees through its tuition assistance program?", "e4464fce-4c44-4151-ace1-edd4c1b6a962": "What are the core values that guide Boeing's operations?", "0caebb27-332b-497f-9636-a073cbc0d604": "Who are Boeing's primary competitors in the commercial jet aircraft market?", "829d5cb4-7c4e-49a9-a90c-abbb174088b2": "What challenges does Boeing Defense, Space & Security (BDS) face in the defense services market?", "f21ea74b-a967-4523-a643-71a787d61682": "Which U.S. government agencies does Boeing work with in relation to its heavily regulated businesses?", "8aa23db1-c27f-4366-9dad-b9c02ae4fe77": "What rights does Boeing have if a U.S. government contract is terminated for convenience?", "bcd9563b-3371-4608-bb46-3b132051dedc": "How does Boeing plan to grow its market share in the competitive services market?", "462ceeac-78fc-46af-a7bf-e63ede7cd1a9": "What actions does Boeing take to address employee concerns related to ethics or safety violations?", "70159abf-87ce-4d5c-9eb7-2499e5b82ff7": "What actions has the FAA taken regarding the company's quality control system as of January 2024?", "d391dff0-e680-4bbd-870b-d97eea7206fe": "What are the potential consequences for the company if it defaults on its contract with the U.S. government?", "69817cb1-def1-4720-95be-212a44cbb647": "What types of regulations govern the production and quality systems of commercial aircraft in the U.S.?", "c8818723-292e-4520-ac01-f178298b5230": "How could environmental compliance costs impact the company's financial condition?", "38c10242-f972-44b5-ab43-846186838c1d": "What raw materials are essential for the company's aerospace products, and what challenges are associated with their procurement?", "2d1a3130-28e1-4755-b6ea-d6bf73afe4b9": "What specific oversight measures has the FAA implemented for the 737-9 production line?", "b9a85bab-5728-4305-bc2b-12707a6d75b2": "How does the company assess its compliance with environmental laws and regulations?", "57ed4f43-4b84-4579-ac0f-8abc82769eab": "What are the implications of the Russia-Ukraine war on the company's procurement of titanium?", "cbb7d63d-3987-486e-aa70-de17ae2c29f3": "What factors contribute to the risks associated with the company's non-U.S. sales?", "2c152d04-7949-4a25-94e8-87009f5d0299": "What is the significance of obtaining FAA certification for new aircraft models before they enter service?", "e0c12b22-6ee3-49f0-ac50-0a30cf724bc1": "What are the potential impacts of supplier failures on Boeing's operations as mentioned in the document?", "c9ff42c1-443b-47dd-89a7-9e01db261a51": "How does Boeing monitor the developments related to the conflict in Israel and the Gaza Strip?", "25328583-c27f-43ad-a5ef-edaa3ea83f5a": "What is the significance of the forward-looking statements in Boeing's reports, and what terms are commonly associated with them?", "3073dff9-dbce-4b09-af76-5fc87730b96b": "Where are Boeing's principal executive offices located?", "b373d610-663b-46f3-be15-2daefc88ec96": "What measures does Boeing take to control risks associated with reliance on third-party suppliers and subcontractors?", "6bcfdc50-8a66-48b0-9101-67b64984c91d": "Is Boeing's business considered seasonal according to the document?", "500f4ab0-9aae-4a6f-83cc-5985d0183994": "What types of reports does Boeing file with the Securities and Exchange Commission (SEC)?", "23b5c737-5290-4734-8e39-dbbb73d0b6a5": "What is the historical background of Boeing's incorporation as mentioned in the document?", "ffd1d2c8-131b-4ee2-a298-a45961062b9e": "How does Boeing communicate its future financial condition and operating results to stakeholders?", "38d63321-c39c-46b8-9991-d371a8a316d0": "What website can be visited for general information about Boeing, and what is the status of the information found there in relation to SEC filings?", "6963046c-32f2-4986-9bcd-3da31983c7ad": "What are the primary factors influencing long-term traffic growth in the commercial aircraft market as mentioned in the document?", "0fb54682-f936-4abc-a4d2-17deeb56d069": "How do market conditions impact the demand for commercial aircraft and related services?", "5dc14a33-58a6-41c5-aeee-737b042542b6": "What risks are associated with entering into firm fixed-price aircraft sales contracts with indexed price escalation clauses?", "4bfe803a-875d-4d68-b3a1-7d287f6f71e3": "Why is the commercial aircraft market described as cyclical and competitive in the document?", "03324da6-6f7c-4897-87ca-e01b3600345c": "What potential consequences could arise from significant deterioration in the global economic environment for the company?", "a15c2d29-b4d6-43c4-aea7-bd5b05f1dd72": "How does the document describe the relationship between airline profitability and demand for commercial aircraft?", "8676466f-0ab6-46c6-a017-8dc594c38851": "What challenges do commercial airlines face that could affect their financial stability according to the document?", "e34b993c-9825-4f2a-9a4e-e407a357005c": "How does the company\u2019s revenue depend on a limited number of commercial airline customers?", "71d5cab4-a238-4ce0-81e1-ab3e636d4a3f": "What role do fuel prices and environmental regulations play in the commercial aircraft market as outlined in the document?", "55e992a0-3534-4796-93af-d53105541ca0": "What is the importance of maintaining a healthy production system in the company's Commercial Airplanes business?", "7bd1c322-0162-46cf-a4be-bb2fc8e77982": "What actions did the FAA take following the investigation into the company's quality control system on January 10, 2024?", "2629223f-10d4-4e1b-8e81-51523e8e9557": "How might the Alaska Airlines accident impact the development schedules of the 737-7 and 737-10 aircraft?", "4dbb403f-5f7a-4a85-b44d-cdd684452c06": "What are the potential consequences for the company if it fails to meet delivery schedules for its commercial aircraft?", "d42a27ad-a84e-4b9a-821f-d57291006dee": "What measures is the company taking to minimize disruptions caused by production changes?", "a1fc589e-96b5-4d4a-bfcf-b13c61845cda": "How does the FAA's increased oversight affect the production rate increases for the 737 MAX?", "b345ddbd-97f2-43ef-a35f-0dd1c8433d96": "What risks are associated with the introduction of new aircraft programs like the 777X?", "52de895b-b9d6-473d-8c32-af138414de83": "What contractual remedies do customers have in response to delays in aircraft deliveries?", "c537ee96-6140-4eaa-91a7-1fdf63e330d4": "What operational challenges could lead to additional production delays for the company's commercial aircraft programs?", "057f1544-8ad7-4098-b983-5a0a7799f8f5": "How are supply chain disruptions and inflationary pressures affecting the company's production system?", "1ec3a4a8-98ca-45a2-86b5-833e4f4afe2d": "What strategies is the company pursuing to reduce the costs of building its aircraft?", "d6c26f38-9cf3-457e-8366-c570eb8f558a": "What are the potential consequences for Boeing if their commercial aircraft fail to meet performance and reliability standards?", "43c2fc04-852e-45db-973f-c4df88a12e54": "How does U.S. government defense spending impact Boeing's financial position and operations?", "8fe47162-c255-40e3-95bd-20166fc3abbb": "What challenges does Boeing face in developing and manufacturing newer aircraft programs?", "01d8421b-f880-4196-a8d8-7ce03e471fc4": "What could happen to Boeing's operations in the event of a prolonged government shutdown?", "41b29c2d-4dd2-449c-bf96-21827ab2fc9e": "How might changes in U.S. defense spending priorities affect Boeing's existing contracts and future program opportunities?", "5830ae04-a389-4f80-8143-48b9e5feb192": "What factors contribute to the unpredictability of U.S. defense spending levels?", "a645e77e-b657-487a-88d2-00419c98d675": "What role does the U.S. Department of Defense play in Boeing's revenue generation?", "defe3e6d-9ee7-44ca-a81a-ac8e55d2eca4": "How could delays in U.S. government appropriations impact Boeing's ability to deliver commercial airplanes?", "cdb300a7-60a9-4429-aa3e-0f1ac8851bb3": "What emphasis does the U.S. DoD place on affordability and innovation in its procurement processes?", "7605562b-49ae-4bac-b776-5e4702abac4b": "What risks does Boeing face regarding cybersecurity compliance within its supply chain?", "01f29a0b-238d-4ede-aba2-d950512c4b63": "What factors could impact the company's revenues and market share according to the document?", "ee1b3cd5-3075-498b-b0c3-bdb60ccd138e": "How does the performance of subcontractors and suppliers affect the company's ability to deliver products and services?", "06f45d3b-8cdd-4637-9ab0-734d81553efb": "What are some of the challenges faced by the company's suppliers that could lead to delivery delays?", "d24f6f3f-b573-45b7-b637-ccd65cc135dd": "What specific raw materials does the company depend on, and what risks are associated with their availability?", "6d8d2412-9b5c-4e5d-b2e6-1eac748bb992": "How many employees are represented by labor unions, and what percentage of the total workforce does this represent?", "e420d0e8-1b38-47e1-a79a-4934ad514aeb": "What historical event is mentioned in the document that caused a work stoppage, and what was its impact?", "7e38eb5a-f13b-4e52-9a16-4c84f87fedad": "How might union relationships affect the company's financial condition and operational flexibility?", "6efeeda9-bb8c-4d0c-a8ac-473fb525864f": "What competitive challenges does the company face in its BCA and BDS businesses?", "5e97822e-fdd1-4c91-9c0e-33ea1ade6db2": "What are some potential consequences of work stoppages and instability in union relationships for the company?", "e3206454-12cb-4f2f-9995-2ed89f18a33d": "How could international competition and U.S. procurement requirements influence the company's cost-competitiveness?", "c3ca0570-368c-45c2-9403-f091643bcdfe": "What percentage of the company's revenues in 2023 came from non-U.S. customers, including foreign military sales (FMS)?", "f4905446-037f-497b-a83f-9806ee260ded": "What are some risks associated with doing business internationally as mentioned in the document?", "08800da5-9499-45f5-a08e-6faf1d0e65df": "How have U.S. and China tariffs affected Boeing's procurement of aircraft parts and components?", "8e5813e9-60ff-4b5d-92cb-0030f7efafa8": "What strategies is Boeing using to mitigate import costs due to tariffs?", "ffc3f6e5-4bbc-4972-84b8-d175780bbe41": "What factors could lead to delays or fluctuations in orders from non-U.S. customers?", "6dc77835-3530-4134-8e1f-e6cbc6dc8403": "How do fluctuations in international currency exchange rates impact Boeing's operations?", "92f3f1f7-6f56-4bf0-8a49-e01eacdb4efd": "What are some challenges related to compliance with non-U.S. laws for U.S. companies operating abroad?", "197d634c-2f87-4262-b4e1-2bdfccbc98fe": "What geopolitical factors could adversely affect Boeing's financial position and operations?", "766bff01-10ae-4a70-b64b-aae5b10cb42c": "Why is the U.S.-China trade relationship described as \"stalled,\" and what implications does this have for Boeing?", "74275473-d890-4025-8a23-3de87446dc28": "What complexities arise from the necessity of using non-U.S. representatives and consultants in international business?", "939c289f-2642-4566-a52a-bd65c592945f": "What factors influence the estimation of total revenues and costs in contract and program accounting as described in the document?", "022f42da-1f8f-4ff1-8611-5369411281e8": "How do changes in customer or model mix affect the accounting quantity in commercial aircraft programs?", "85663c82-1a6f-4ed0-894a-8924bd1442ad": "What are the potential risks associated with the timing and conditions of aircraft certification mentioned in the document?", "176e53f8-cc83-4ad1-be39-5c9ee0e9639a": "How does the company account for inventoriable production costs and warranty costs in their commercial aircraft programs?", "42367e51-5911-4ab0-a04e-a3fdaf19f09f": "What assumptions must be made regarding the length of time to complete a contract or program, according to the document?", "4f4ae76c-4d91-45ee-8992-f8960f2696f4": "In what ways could changes in underlying assumptions or circumstances impact future financial performance?", "809b5b68-18b1-4cf9-8827-4589046b46b8": "What are the potential consequences of not realizing anticipated benefits from mergers or acquisitions as stated in the document?", "b4a80a85-fe23-4abf-80c4-97741531545b": "How are incentives or penalties related to performance on contracts factored into estimating sales and profit rates?", "8ce0a1bf-504d-4455-93b0-d3e455293a5f": "What role do market studies play in determining accounting quantity for commercial aircraft programs?", "22fe5014-173a-4cf2-a225-276f64f96365": "What additional information is referenced for understanding the company's accounting policies for recognizing sales and profits?", "6d335e7c-9c15-4400-a6b4-e88c73d2a932": "What percentage of the company's revenues in 2023 were derived from U.S. government contracts?", "0a8f9b88-0b12-4fbf-a938-6ece17dcda84": "What unique risks are associated with conducting business under U.S. government contracts?", "18e84922-532e-488a-b596-147e2f785d8c": "How might changes in procurement regulations impact the company's operating margins?", "76476d57-9e53-42ac-adca-419b1bbc2d68": "What could be the consequences of the U.S. government modifying or terminating contracts with the company?", "742e2321-56bc-4ae0-bbff-9760a79a8c82": "What types of audits do U.S. government agencies conduct on contractors, and what do they review?", "b2fa377e-22cf-40e9-9e95-aa57f3ca6e74": "What are the potential financial implications if costs are found to be misclassified during a government audit?", "0b7f6c0b-746e-4bdf-b6f0-ebb296bf8c0c": "How could compliance costs related to procurement regulations affect the company's financial position?", "6c88a563-1cf5-4a0b-a11d-c3778ed2e872": "What actions might the U.S. government take that could result in reduced funding for the company's contracts?", "29776edd-3110-4ac6-aa85-d573bb8ee1c8": "What are the possible repercussions for the company if improper activities are uncovered during a government investigation?", "60ea16d8-2870-42fa-9207-a1d8369f2c0d": "How can strategic divestitures impact the company's future financial results?", "005a1fcf-911d-45d7-ae46-80ecf6450977": "What percentage of revenues from the BDS and BGS defense businesses in 2023 were generated from fixed-price contracts?", "815f455a-8a38-478b-a6a5-4cb1f431c1a7": "What are the potential financial impacts of cost overruns on fixed-price contracts?", "44088035-8760-41a7-ab38-77738f0d0d25": "Which five significant fixed-price development programs recorded additional losses for BDS in 2023?", "42f7ad1e-ea6c-4283-8c0c-ecf9a680793e": "What factors contributed to the production disruptions and inefficiencies mentioned in the document?", "a02a8c84-8bc3-4c91-b456-c02f0ca9f603": "How do fixed-price contracts differ from cost-type contracts in terms of financial risk?", "e87e55ed-5ccc-451f-b1ba-3d7da30b4ed0": "What are the risks associated with contracts that include in-orbit incentive payments in the satellite industry?", "af0e0b39-424a-4553-931b-193a5e73d30f": "What challenges are associated with estimating costs for fixed-price development contracts compared to fixed-price production contracts?", "5c627111-a774-4fcc-a27c-b39fa4104806": "What are the potential consequences if a satellite fails to meet contractual performance criteria regarding in-orbit incentive payments?", "0656c151-b586-4be4-957d-2afd4c485029": "How do technical or quality issues affect the financial outcomes of fixed-price contracts?", "4f7dffb7-9a9d-40a1-a0e6-4d8f7764b88b": "What types of contracts generated approximately 42% and 35% of revenues for BDS and BGS defense businesses in 2023, respectively?", "c9e39b87-9fe5-4334-9b66-859e677f78fc": "What types of cyber threats does the document identify as risks to the company's information technology systems and networks?", "e696cc48-9bb5-4785-a9b1-f66274de61fb": "How do the evolving techniques used in cyberattacks impact the company's cybersecurity measures?", "ab653cc5-74b5-4fa3-9128-523c2a3ab35f": "What are some potential consequences of a cyber-related attack or security breach mentioned in the document?", "ac274b71-de0d-4cec-97f6-5ee40c458096": "How does the company manage risks related to unauthorized access to sensitive information?", "750488f2-f3d4-4a7c-9bff-15f90fb393fd": "What past cybersecurity incidents are referenced in the document, and how did they affect the company's operations?", "d71a2037-0802-4f4a-902d-52097753907b": "In what ways could business disruptions impact the company's sales and financial condition?", "92a8c291-a71c-4980-aa6d-5652b3c5f2ea": "What measures does the company maintain to prevent, detect, and respond to unauthorized activity?", "b7502f82-4e3e-46aa-9e90-80ce720bda32": "How could the unauthorized access or corruption of customer or supplier information affect the company's business strategy?", "1469b190-c2b6-41db-9c10-e15bd263f4ab": "What external factors, besides cyber threats, are mentioned as potential causes of business disruptions?", "ffe85ae8-e56b-4eb4-8a66-0e8101df429c": "What role does management and Board oversight play in the company's cybersecurity risk management efforts?", "37a122db-125e-411c-b9f3-1b6189f8a8ab": "What are the potential consequences of adverse litigation outcomes for the company's financial position and operations?", "e047e4c3-9857-4d2a-8994-2baffd515be1": "How might government inquiries and investigations impact the company's business relationships and financial results?", "4490c03a-fa80-4e00-b024-94c3acad7b49": "What types of environmental liabilities is the company exposed to under U.S. federal, state, and local laws?", "d11cc24b-9490-48fa-8c08-2ca7c75a45be": "In what ways could new environmental laws and regulations affect the company's operational costs and liabilities?", "af455458-dfc2-4b47-8fef-e7bf9f2096a7": "How does global climate change pose risks to the company's market outlook and brand reputation?", "76d91591-9472-4e04-87ac-933f3b365d61": "What are the implications of increasing stakeholder expectations regarding environmental, social, and governance (ESG) factors for the company?", "53f106f4-54f8-48f6-967b-ba28b1d1fc12": "How might changes in aircraft performance standards and emissions regulations affect the company's manufacturing capabilities?", "b88c46e7-3e10-4515-ae47-9458c91a3561": "What specific environmental compliance requirements are mentioned that could lead to increased operational restrictions for the company?", "7bfa96cb-382b-4ab9-81ae-cd9ae7a39431": "How could the company's financial outlook be impacted by emerging ESG regulations and climate change policies?", "dc69514f-7559-44dd-a4bf-276ddfdf170d": "What role do indemnification agreements play in the company's exposure to environmental liabilities?", "5b9f1943-51cc-424f-a0da-15f6ae51073c": "What are the potential consequences of failing to achieve sustainability goals related to environmental performance as mentioned in the document?", "fe326184-994f-4b4c-95e6-7a2c6e0ddb35": "How much total debt did the company have as of December 31, 2023?", "65093db2-ef28-436e-b7d5-623fc1bac6a3": "What factors could lead to increased borrowing costs for the company?", "ee54778b-e48e-46c4-80cb-d5a17e6ef8ec": "What is the estimated amount of principal payments on outstanding debt that will become due over the next three years?", "154b1ea3-10df-4527-b734-81af6d0ca7fc": "How do changes in market factors affect the company's future pension contributions?", "8a318253-0141-469e-ba34-c5c2e267d62c": "What types of postretirement benefits does the company provide to its employees?", "8bc41e2f-8054-4f1e-98f0-1a0edc3ae81f": "How does the company allocate pension costs to individual contracts for U.S. government contracts?", "d2c8d443-f34e-4d6d-9fd5-b626be923cc4": "What impact could credit rating downgrades have on the company's market liquidity?", "fe65e40b-fe43-420f-a57c-0b74c9fd83e5": "What are the key economic factors that could affect the company's pension and postretirement benefit expenses?", "99c18b87-1cb6-475c-9d50-a8ce7fc48a52": "How does the company estimate future costs associated with other postretirement benefits?", "bfadf2e0-03bd-4105-99bf-631628013969": "What types of risks does the company face that may not be adequately covered by insurance?", "92513313-99a8-46f6-affd-edb39bd20bdc": "How does the concentration of the customer financing portfolio affect the company's financial stability?", "943966b6-71f5-4f6a-a0ff-55353a91b5e8": "What specific products are mentioned as potentially leading to significant liabilities for the company?", "071a146e-82b2-43fd-86f6-0ccc283b4c9a": "What cybersecurity framework does the company adopt to manage its cybersecurity risks?", "ef5518a6-1b43-4d0e-8e75-2fb98ed49cb4": "How does the company ensure the protection of information related to its customers and suppliers?", "fd4600c8-498d-4d72-98a9-81c378eaadf8": "What measures are in place to respond to cybersecurity threats or incidents?", "33cca767-20be-48b7-8a3d-724d69d53308": "What role do government partnerships play in the company's cybersecurity strategy?", "d1ba76f1-4755-44d3-9a0b-d55243f054be": "What are the potential consequences if a significant customer defaults on their lease?", "86934008-9f31-4951-a545-c4a8140c8695": "How does the company assess and manage material risks from cybersecurity threats?", "3fcfd6dd-9022-4ee9-bb7a-d87298406ab2": "What types of safeguards are included in the company's security programs?", "40020deb-3d92-41a9-a6ca-6abc65c708bd": "What frameworks does the company use to identify and track cyber-related business and compliance risks?", "4e4e3317-f230-4257-ba3d-bdc217ca23aa": "How does the company prepare for potential cybersecurity incidents according to the document?", "9fc288a9-8f5d-4a3d-84f4-cd2f85724d1e": "What role does the Board of Directors play in overseeing cybersecurity risks?", "43aedefd-24ef-4a4e-a746-29e771561c00": "What type of training do employees undergo to enhance their cybersecurity awareness?", "8a4a73b8-68f0-4ec2-b23c-2b5bed9172ff": "How does the company assess risks from cybersecurity threats related to its suppliers and third-party service providers?", "87592545-255b-4e22-a4c7-5526a4989b09": "What committees of the Board of Directors are responsible for overseeing cybersecurity risks?", "a20ce697-6ba7-4b9d-82ed-53afa8869727": "What actions are taken by the Audit Committee regarding cybersecurity risk assessments?", "a64d3170-e757-47b5-b330-bf73ae82c95e": "How often does the Audit Committee receive updates on cybersecurity risks and incidents?", "c41b6634-bbfc-4a5e-985c-ef7dc8fe8ec8": "What is the purpose of the cybersecurity supply chain risk management program mentioned in the document?", "df14b76e-0c4e-4e14-b0bb-c41ec177550d": "What measures are in place to respond to a potentially material cybersecurity event?", "ab00c5e1-9fc0-472b-b02e-3fe363595534": "Who is responsible for overseeing the Global Security Governance Council at the company mentioned in the document?", "c8b72c50-e3d1-44f2-8d28-06fca25312c7": "What are the primary responsibilities of the Global Security Governance Council?", "edd1506d-8909-4622-b56c-44cb28bfe580": "How often does the Global Security Governance Council meet to discuss cybersecurity objectives?", "495a4de8-212f-4e6e-bee7-3b26662dc78d": "What percentage of the company's floor space is located in the United States as of December 31, 2023?", "6b78d9f6-202a-4f6b-8592-2e0098734169": "Which senior executive has nearly 30 years of experience in the cybersecurity industry and serves as the chair of the Council?", "6c7633c1-517a-4ebd-a2d0-16ac5553cb7d": "What types of security does Richard Puckett oversee as the Chief Security Officer?", "237bc939-93d6-4bbc-bc1c-71bf44afeb1b": "How many square feet of floor space does the Commercial Airplanes division own, according to the document?", "66e195f1-32d0-4ae7-9955-4b0477b35b80": "What role does the Chief Information Officer play in relation to the Global Security Governance Council?", "c6304063-e97a-4ae1-af5b-28bc38f3dad6": "What is the total square footage of leased properties mentioned in the document?", "7bd4aeac-f2e9-40ba-b8fc-cf9862232aa4": "Which committees brief the full Board on cybersecurity matters discussed during their meetings?", "cde897b2-ac4e-4bce-8e3a-e5521ee21cf8": "What is the total combined square footage of the major locations mentioned in the document as of December 31, 2023?", "5499f9c9-b82d-4d2b-9290-eb369b383174": "Which locations are associated with the Commercial Airplanes division?", "6ba4745d-0af5-480b-b37c-b7aaee74a8e0": "In which states is the Defense, Space & Security division primarily located?", "b9bf546f-766b-411d-8fa0-0934978213be": "What types of facilities do the company use for runways and taxiways, according to the document?", "ed257ed8-d5d2-4c46-ba24-ca6a4852e371": "How does the company acquire rights to use airport facilities?", "ed0ceaa6-9d13-44dc-b79f-c12ca59cb931": "What is the status of the company's involvement in legal proceedings as mentioned in the document?", "ebdf704c-ba2e-422e-82f0-5f12c1423eac": "Which countries are listed under the Global Services division?", "771d531c-0548-4cb2-8bfe-0fb935a13362": "What type of disclosures are mentioned in Item 4 of the document?", "a08ebab1-2374-4775-a7b7-8ae511e6afec": "Where does the U.S. government provide the company with office space and equipment?", "ef0dd96d-5efb-4079-ab2c-fd80428695a7": "Which cities are included in the \"Other\" category of locations mentioned in the document?", "b2e23547-7517-4d24-80d1-15768a643106": "What is the principal market for the registrant's common stock mentioned in the document?", "ccd3f9b0-c194-4fff-84da-b7a087393b2c": "How many shareholders of record were there as of January 24, 2024?", "09534f30-27f8-4d36-ac3d-53832df2531c": "What was the total number of shares purchased during the quarter ended December 31, 2023?", "c7860c65-3999-4740-a866-e1c0e3f0b757": "What was the average price paid per share for the total shares purchased in the specified quarter?", "053424e8-31f3-46b4-a0bc-630534345b54": "How many shares were purchased as part of publicly announced plans or programs during October 2023?", "31b9dd02-1686-46e7-86f7-bb34607c3b5a": "What was the approximate dollar value of shares that may yet be purchased under the plans or programs as of the end of December 2023?", "830fa154-b700-45a9-9aeb-d232ec3ec0ea": "What specific event led to the transfer of 1,448,228 shares to the company during the reporting period?", "c6e0f75c-ed10-43af-b76d-171e130dc085": "Did the company purchase any shares of its common stock in the open market during the quarter ended December 31, 2023?", "f497bc2a-239b-4898-97df-a5fbfab4125b": "What was the average price paid per share for shares purchased in December 2023?", "30c22f45-a112-446c-ae7a-368b5db7a260": "How many shares were transferred to the company from employees in October 2023?", "7840d5c9-3342-48bf-ab6a-4ba19c4e8d34": "What are the principal operations of the company mentioned in the document?", "48abcb6c-dbf7-4aef-a20b-e0157f74cdf7": "How does the company plan to leverage its core businesses in the Defense, Space & Security (BDS) sector?", "5eca29bd-dd52-44e4-a774-a06d77f38a31": "What factors are currently impacting the supply chain for the company and its suppliers?", "3e2b5e87-0803-4709-8059-5bbe8ff36660": "What is the estimated industry-wide profit for the airline industry in 2023 according to the International Air Transport Association (IATA)?", "027c7f94-d9f8-4a46-848d-0a741ba51514": "What are the key components of the company's strategy in the Commercial Airplanes (BCA) sector?", "150beb66-d522-4f34-bb03-0723beeacfbd": "How has the recovery of global air traffic in 2023 compared to 2019 levels?", "a5b6dea8-632a-4c82-b993-9e6422de6264": "What long-term growth rate does the Commercial Market Outlook forecast for the global fleet over a 20-year period?", "7c9612f5-c863-49d7-8182-eefe81b05380": "What challenges are airlines facing that could affect their financial performance in the near- to medium-term?", "a5b4b443-c093-476b-855c-546ef669ba54": "How is the company's Global Services (BGS) division positioned to support commercial and defense sectors?", "c74af40b-5fc3-4569-96be-d37b088d1639": "What are the expected economic conditions that may influence the airline industry's outlook in 2024?", "70021d48-ba3c-4e2a-b7f7-0e167393376f": "What is the projected demand for new airplanes over the next 20 years according to the document?", "12eedec5-3636-4b92-90e0-3b363812a403": "What factors contribute to the vulnerabilities faced by the airplane industry as mentioned in the document?", "0c41d54a-be20-482c-bbaf-87f45fa3055d": "How did Boeing's revenues change from 2021 to 2023 based on the consolidated results of operations?", "50c92e97-552b-4b13-8c5a-9a03dbd77a02": "What was the net loss attributable to Boeing shareholders in 2023?", "86e6b877-b1fd-4626-b011-d106a5727f1a": "How do the operating margins for Boeing in 2023 compare to those in 2022?", "7c77ea05-c099-4548-a1be-3e9045ad8676": "What is the effective income tax rate for Boeing in 2023, and how does it compare to the previous year?", "1b3ce8c6-08fb-43bd-b040-0f1efa187a98": "What are the core operating loss and core operating margins for Boeing in 2023?", "88c719a7-8812-4f9c-bdad-ba756aa7f609": "What challenges are mentioned that have affected Boeing's production and earnings?", "60267fee-f26e-4dfc-8673-64a7144cd2be": "How does the demand outlook for Boeing's government services business compare to its commercial revenues?", "52abe4e6-7244-428b-abc1-e021ba0e6fb4": "What specific components are excluded from the non-GAAP measures mentioned in the document?", "f06b82d1-f53a-4e52-9330-f472b5a9672d": "What was the total revenue reported for the year ended December 31, 2023?", "5529cc13-64f0-4c04-91e1-705eed153259": "Which operating segment experienced the highest revenue increase in 2023 compared to 2022, and what was the primary driver for this increase?", "25c16134-35b3-49e3-8430-7ec427681de0": "How did the revenues of the Defense, Space & Security segment change from 2021 to 2022?", "2916909c-8a53-43e4-a649-b5d8a5ad2752": "What was the core operating loss (Non-GAAP) for the year ended December 31, 2023?", "556ef7d2-426c-4a28-b935-801e1d76b622": "What factors are mentioned as impacting revenues in the future?", "628b7a25-0d58-448d-81e1-c853f7102d05": "In which year did the Commercial Airplanes segment report the lowest loss from operations, and what was the amount?", "584cbc80-4ef3-4285-9e2b-680a219a2cc3": "What was the primary reason for the increase in Global Services revenues in 2023?", "9d85778a-64cb-4849-93a6-bb0f60bcd46d": "How did the unallocated items, eliminations, and other impact the total loss from operations in 2023?", "f29a4d44-d061-43af-872c-8b73331ba6b6": "What adjustments are included in the FAS/CAS service cost adjustment, and how do they relate to GAAP?", "a27f0fac-cd2e-4669-aa06-d08b9bacfdaf": "What was the total revenue for the Global Services segment in 2022?", "284d7d8e-abda-430e-8b24-e0ae2473eaf6": "How much did the loss from operations decrease in 2023 compared to 2022?", "75ca8661-1a5d-42dd-ad79-811bee7fa160": "What were the primary reasons for the decrease in BDS loss from operations in 2023?", "37deaf42-94d6-4063-bfc6-76d01c8063a5": "Which segment experienced an increase in earnings from operations in 2023, and by how much?", "7c4ec249-6f8a-4f34-9ad3-f2b9fa3af0d9": "What was the impact of the war in Ukraine on BCA's loss from operations in 2022?", "9dab7769-bd6a-44e4-b3e9-b296bcefb6f6": "How did share-based plans expense change from 2022 to 2023?", "747bbbcf-31d0-4a54-af98-8391031275eb": "What was the total amount of unallocated items, eliminations, and other expenses in 2023?", "5449555e-f13d-4205-94d2-2b9450300212": "How did deferred compensation expense fluctuate between 2021 and 2023?", "3a1e0aee-5205-4248-b438-64cdd77f3fe1": "What factors contributed to the increase in research and development expense in 2022?", "674a9b2d-3952-4be9-b552-d841e1d7a32a": "What was the significant item that caused an increase in eliminations and other unallocated expenses in 2022?", "bce6fd1c-55f2-4c8e-aa34-eb9fac8c2217": "How did the core operating loss change from 2022 to 2023?", "354eab43-d485-4865-b974-a83b8e337f85": "What were the net periodic pension benefit costs included in Loss from operations for the year ended December 31, 2023?", "be9dbdd3-7bcf-4a08-95de-453352841016": "How did the pension FAS/CAS service cost adjustment change from 2022 to 2023?", "5f58de4a-2e6d-4a16-8630-b66f1fc7550c": "What was the net loss attributable to Boeing Shareholders for the year ended December 31, 2022?", "49015337-018a-4a8b-8c77-1ba636e7a445": "How much non-operating pension income was included in Other income, net for the year 2021?", "fde7f2c0-0a9f-4ae2-8c2b-46e3d292c3f7": "What factors contributed to the decrease in non-operating pension income in 2023 compared to 2022?", "e1385d86-1d7f-4486-82e0-b46d0b875868": "What was the total loss from operations for the year ended December 31, 2021?", "b5fa3d02-7b7d-4179-98b2-e81ec85a144e": "How did interest and debt expense change from 2022 to 2023?", "b43d9176-7edb-47d1-a39e-00a7332e6eb9": "What is the primary composition of costs included in the Cost of Sales for products and services?", "8530aa4a-c7a8-4d4f-a817-e28f85219178": "What was the income tax expense for the year ended December 31, 2023?", "49d82569-0300-4134-a32a-1b9a95bc8b4b": "How did the net periodic benefit cost included in Loss from operations in 2023 compare to the previous two years?", "304ff5d6-bbc1-4807-ab86-41d46dcbecc7": "What was the total cost of sales reported for the year ended December 31, 2023?", "20352365-0fe1-477a-af78-6f985d26564e": "How did the cost of sales as a percentage of revenues change from 2022 to 2023?", "c63f5a36-9464-4eea-96ef-11cd68d809bd": "Which segment experienced higher revenues that contributed to the increase in cost of sales in 2023?", "009faea6-ea65-47c0-bee3-23447c443162": "What was the primary reason for the increase in research and development expense in 2023 compared to 2022?", "04f7514e-54bf-481f-9e3f-ad2dd1b3b0c9": "How much did the research and development expense for the Defense, Space & Security segment change from 2022 to 2023?", "3e9a7be7-cb9f-407c-9ecd-8aeaf17e2b9a": "What was the total research and development expense for the year ended December 31, 2021?", "7bc55dd3-f12d-4e6f-aaa8-cd8c79c270c7": "Which program saw increased research and development expenditures in both 2022 and 2023?", "63b0ece3-e7cd-4130-bd3a-6877359f4f44": "What was the change in cost of sales from 2021 to 2022?", "60a1c74d-fbc6-48ab-93b7-92aebae0dded": "How did the research and development expenses for Global Services compare between 2022 and 2023?", "5e915ac4-a54c-4408-ac1f-820b5084aadd": "What factors contributed to the consistency of cost of sales as a percentage of revenues in 2022 compared to 2021?", "642cef0d-c516-40cc-9ad4-2ce0f44c99a1": "What was the total backlog for the company as of December 31, 2023, and how does it compare to the previous year?", "0372492f-5d3d-45e0-b592-5313ddb340d7": "What are the two main categories contributing to the increase in contractual backlog during 2023?", "7fb06a50-1afd-44f3-90d8-8a8e8139f148": "Define \"unobligated backlog\" as mentioned in the document and explain its significance.", "61257f01-f888-494c-940d-98a91b001d9f": "What potential risks could affect the backlog related to aircraft deliveries to customers in China?", "eaf559ac-c959-4837-800b-21d3c19efdc3": "What is the impact of the Continuing Resolution enacted on January 19, 2024, on federal funding for government departments and agencies?", "e559d059-657f-4607-9591-f05085505d65": "How does the Fiscal Responsibility Act of 2023 (FRA) influence U.S. government discretionary spending for FY24 and FY25?", "6b5dc017-d7fa-4be6-af1e-3f9961860670": "What measures is the company taking to mitigate import costs due to tariffs on aircraft parts and components?", "e3ebe3ae-8629-45bf-8406-d697b99f92f4": "Describe the current state of U.S.-China relations as it pertains to the company's operations and backlog.", "8539e39a-62d7-4dc3-a493-95a4cbc210f8": "What are the deadlines for Congress and the President to enact full-year appropriations bills or additional Continuing Resolutions to avoid a government shutdown?", "165621c9-1ec8-415d-aff1-d3502d296a74": "How does the company monitor changes in the global trade environment, and what specific factors are they watching?", "dff37c98-b93d-4d84-b058-eb44e02df08c": "What actions did the U.S. Government take regarding steel and aluminum imports starting in June 2018?", "27953337-5f78-40d9-95b8-ee7f47cb2ec4": "Which countries have reached agreements with the U.S. to ease or remove tariffs on steel and aluminum?", "e8560a55-e0d2-46ef-a250-5fe808d79b29": "How are supply chain disruptions affecting the company's financial position and operations?", "743ab0dc-a49e-438e-96d2-e2da705a5883": "What potential impacts does the conflict in Israel and the Gaza Strip have on the company's suppliers and operations?", "5c3f2a84-5412-4f95-9c69-b10b6c3bfb4a": "What percentage of Boeing Commercial Airplanes' total backlog is with non-U.S. airlines?", "60871f08-3df9-4afc-93e7-77c9b573d227": "How has Airbus's acquisition of Bombardier\u2019s C Series affected competition in the commercial aircraft market?", "720c112a-04fd-4293-9ebd-8675d820fa86": "What factors contribute to the intense competitive pressures faced by the commercial aircraft market?", "5ac47db1-b578-4dc0-beee-cf38e46e9ac0": "What are some of the inflationary pressures mentioned that are affecting the company and its suppliers?", "11a617d8-fb11-49e9-87e1-028935a190da": "How does government support influence the competitive landscape of the commercial aircraft industry?", "4a7e473a-e52c-4ad9-808a-2aa54044ff11": "What measures is the company taking to monitor and respond to potential sanctions and export restrictions related to Russia?", "d3d2a9d8-0a39-49ec-bbe4-c209bfa26655": "What was the total revenue for the company in 2023, and how does it compare to the previous two years?", "ec435541-bc2d-4045-ae6c-aa0c9a61d22a": "How did the loss from operations for BCA change from 2021 to 2023?", "df422db2-d828-40ed-91c3-e816ae841b0e": "What were the primary reasons for the increase in BCA revenues in 2023 compared to 2022?", "613d3f97-4256-46fd-9fa9-d7fe23da2552": "What were the abnormal production costs for the 787 program in 2023, and how did they compare to those in 2022?", "5126a7b2-5af4-4d19-8618-13b363152cd9": "How many 737 deliveries were made in 2023, and what was the cumulative total of deliveries by the end of that year?", "e56c5867-5434-4290-8b90-d35a25c8b65f": "What percentage of total company revenues did BCA revenues represent in 2023?", "3888e345-64df-4a49-bddb-51dcf85ca472": "What factors contributed to the improved performance of BCA in 2022 compared to 2021?", "a66e9d2a-bf56-4376-94f0-5b4fa2c48096": "What was the operating margin for the company in 2023, and how does it compare to the margins in 2022 and 2021?", "cc161c02-1135-42b8-a9c0-221c2e631add": "How much did research and development spending increase from 2021 to 2023?", "7c0040b0-af86-419c-baf7-5748b8070004": "What specific charges impacted BCA's performance in 2022, aside from abnormal production costs?", "f2200879-19f8-4cef-a108-ca65fcaadeca": "What is the total backlog amount reported for BCA as of December 31, 2023?", "fa5390e1-0c52-40d1-808b-3e1be32ab781": "What factors are considered when determining the accounting quantity of airplanes for delivery?", "12bea98a-514c-4a74-9a8e-ec1605f01b12": "How does backlog exclude prospective orders with customer-controlled contingencies?", "be05649e-404b-4be9-9b15-0c18498924cf": "What were the total aircraft order cancellations during the year ended December 31, 2023, and which aircraft models were primarily affected?", "8c1214e9-b208-4c7b-95d3-d26e166c4dff": "What accounting standards govern the reporting of backlog and adjustments related to it?", "d1fbfbcb-86b4-429b-bf95-fc3466236ce4": "How does the company address customer claims and requests for contractual relief?", "8f012b0f-4f2d-4413-8951-65abec80429f": "What impact do geopolitical events or related sanctions have on backlog and order cancellations?", "56c25399-4611-4dbf-9705-ae0bc6ce574c": "How often does the company review its program accounting quantities?", "6f39f5e9-a933-4aaf-a496-aeacbf403268": "What is the significance of estimating the accounting quantity for gross margins recognized on airplane sales?", "ce5b00da-7689-44ba-acae-3c3620764ffc": "What adjustments contributed to the increase in backlog value for the year ended December 31, 2023?", "f31e4245-3d15-46fe-bc74-2a48ccbda1f0": "What is the total number of cumulative firm orders for the 737 program as of December 31, 2023?", "1759b924-8276-4b12-a332-e211501ac16d": "How many undelivered units under firm orders were reported for the 777X program in 2023?", "d1c0898d-512e-4d76-99f0-4744281ad660": "What significant event occurred involving an Alaska Airlines 737-9 flight on January 5, 2024?", "6e7c4ec1-13e4-4494-a0b5-6530fb3d9056": "What actions did the FAA take following the emergency landing of the Alaska Airlines 737-9?", "8ab89730-9635-4669-be31-1ae6dd81cd26": "How many units were added to the 737 program's accounting quantity during 2023?", "3ce3d442-c27a-4620-ac0e-dddc7e17dd13": "What is the current production rate for the 737 program as mentioned in the document?", "0629f397-75d7-4227-8dbc-45cafd2aea8f": "What specific inspections were approved by the FAA for the grounded 737-9 aircraft?", "facceeef-766d-4885-a906-0839c027168f": "What prompted the FAA to initiate an investigation into Boeing\u2019s quality control system?", "8f7c5543-ce9f-4629-8c18-ab93f04c49d2": "How many cumulative firm orders were recorded for the 787 program in 2022?", "04d42526-440a-46d2-85f8-047248ab52f2": "What measures is the FAA implementing to increase oversight of Boeing following the 737-9 incident?", "86d2a13f-8834-41e9-b47a-b491811c3e88": "What is the FAA's current stance on production rate increases for the Boeing 737 MAX as of January 24, 2024?", "fc33146d-3671-46ce-ae6c-01e393b09d81": "How many 737-7 and 737-10 aircraft were in inventory as of December 31, 2023?", "e24572f8-d9fc-4bff-98c4-f9f78be39c2d": "What engineering solutions are being incorporated into the 737-7 and 737-10 models, and what is the expected impact on certification and deliveries?", "ead887cd-6bc8-4d11-bff5-b7bc09733ab6": "What issues were discovered in the aft pressure dome of certain 737 aircraft during the third quarter of 2023?", "625fe773-5ea4-4fff-a4d0-14211e70830d": "How many 737-8 aircraft produced prior to 2023 were in inventory as of December 31, 2023, and what is their status regarding delivery?", "dab0dd18-03e8-4416-bedb-77b92127e42d": "When did Boeing complete production of the 747, and when was the last aircraft delivered?", "ccac3413-8e14-49f8-ac87-f6a8880f2b94": "What is the current production rate for the 767 program, and how has the accounting quantity changed in 2023?", "8ec6cf45-8096-4d39-80a9-b9746bbab977": "What are the expected delivery timelines for the 777-9 and 777-8 aircraft?", "64c09322-2271-4222-9505-a4726c4e26de": "What cumulative abnormal production costs were incurred due to the pause in production of the 777-9 during 2022 and 2023?", "aa49c857-793b-43ed-8d72-6a853447e371": "What factors could affect the profitability of the 777X program according to the document?", "5ddd756b-16bb-426c-8ec3-64dd3207a675": "What factors contributed to the increase in the accounting quantity for the 787 program in 2023?", "bd0bf604-f410-4015-a7ad-d940ff889edc": "How many aircraft were delivered during the 2023 fiscal year for the 787 program?", "fd43bd58-7842-46e6-a5dd-8e7862aee7a9": "What was the production rate for the 787 program starting in October 2023?", "d612e3e0-3d69-4417-bfd9-c93f8c0698eb": "What cumulative abnormal production costs were recorded for the 787 program through December 31, 2023?", "dfeb4b23-216e-465a-81dc-f775d6d95a1f": "What services are included in the fleet support services provided to operators of commercial aircraft?", "cccd9d20-079e-4466-93b8-f9a3f9061fc2": "What challenges are associated with the introduction of new aircraft and derivatives like the 777X?", "f10dc6ae-c5cf-40b5-996c-f3be99e534b8": "What are some potential risks that could affect the profitability of airplane programs mentioned in the document?", "e0a85cca-c10f-451d-98e2-ee1d49dcbaef": "How does the company account for costs related to inspections and rework on inventoried aircraft?", "4e5cf01b-ab02-4b39-9ceb-f81fd16909f1": "What percentage of total consolidated costs of products and services have fleet support costs historically represented?", "c634186d-c478-4762-bcb2-deb9bdb6d4f6": "What are some of the factors that could lead to lower margins or material charges in airplane programs?", "fd3e8dea-0b5b-42c0-ba4b-47cd3591eec6": "What was the total funding requested by the U.S. government for the Department of Defense (DoD) in the President's budget request for FY24?", "a1a37d6c-1e69-4f0a-840a-061237ca222d": "Which aircraft programs did the President's budget request for FY24 not include funding for?", "5f9e745a-3eb9-447f-b042-93b0b582b128": "What percentage of BDS's backlog was attributable to non-U.S. customers at the end of 2023?", "83f5bd29-fc20-494c-a06b-55affd6fe3fa": "How did the revenues for BDS in 2023 compare to those in 2022?", "dfc87455-e02f-46ee-bdb8-82bafbc7898e": "What was the operating margin for BDS in 2022?", "d2b57c92-d915-4d01-941a-59e10670bd4d": "What are some potential impacts of future budget cuts on existing contracts or programs mentioned in the document?", "9fb023a9-4824-466a-a928-ffeb4a66990a": "How does the non-U.S. defense environment influence BDS's market opportunities?", "adc72c02-3819-4f69-9106-ad10b55a60d8": "What was the loss from operations reported by BDS for the year ended December 31, 2023?", "a948f95b-eafe-4bf9-add6-9e40c0a6c32c": "Why might period-to-period comparisons of backlog not be indicative of future workloads for BDS?", "c403441b-1099-4d3c-868b-802e48809a06": "What are the implications of the long-term operating cycle mentioned in the context of BDS's development and production contracts?", "68697870-e7a0-469a-be65-b46ff0efb927": "What was the total number of deliveries for F/A-18 models in 2023?", "830765c1-a7ee-4eee-85a4-1460e552b6a2": "How did BDS revenues in 2023 compare to those in 2022?", "8bb2287c-6f86-4254-b7b8-7ec1e96ace33": "What were the primary reasons for the decrease in BDS revenues in 2022 compared to 2021?", "674424a0-f6cd-4c6f-ba7d-a401fd17af69": "What was the loss from operations for BDS in 2023, and how did it change from 2022?", "d92ea5dc-580c-4d4c-a98a-f71b352bf553": "Which fixed-price development program incurred the highest charges in 2023?", "00c78323-77a6-43cf-b8e1-8c6747e75254": "How many new CH-47 Chinook units were delivered in 2023?", "4f72ed7e-18ee-4695-849c-59bab98b6606": "What impact did the agreement with a satellite customer have on BDS's loss from operations in 2023?", "66e2262a-a9b1-40a3-befd-5fb5698ed82c": "What were the cumulative contract catch-up adjustments in 2022 compared to 2021?", "cc521f1a-369c-4ac5-920f-4c43b29433f4": "How many AH-64 Apache remanufactured units were delivered in 2023?", "9326af6d-cf72-4f7d-8089-433878ee7c3c": "What factors contributed to the unfavorable performance of BDS in 2022?", "614fb655-43f8-4a37-83d9-0ba873aac4d6": "What was the total backlog amount for BDS at December 31, 2023, and how did it compare to the previous year?", "4cc63988-858f-4cc9-aa0e-654dfbb5de01": "Which fixed-price development programs incurred significant charges in 2021, and what were the amounts for each?", "53ebab9f-ce68-4e2f-b23a-3baa03f54b70": "What are some examples of development programs mentioned that have cost-type contracting arrangements?", "809a4831-8682-4b43-b3a5-3c19666077e3": "How did the BDS (loss)/earnings from operations change from 2021 to 2023 in terms of income from equity method investments?", "bf9093a5-cdf9-43c7-9854-26cac6657070": "What financial risks are associated with fixed-price development programs as mentioned in the document?", "9e0df4a6-5d99-4eea-b172-c80c6187237a": "How did the commercial services volume at BGS in 2023 compare to pre-pandemic levels?", "e3a79f44-441d-459b-b9ea-bcfc63219813": "What are the potential consequences of technical or quality issues arising during the development of complex programs?", "f99e0248-2a2a-41d0-97bd-901db5f7a17d": "What types of services does the Global Services business environment encompass according to the document?", "a24a107e-9afc-4815-ab1a-1a699dc317e9": "What is the expected trend for BGS commercial revenues in the future as the airline industry transitions?", "fd4fb8e0-2a94-4583-aca3-7462d1dca785": "What are reach-forward losses, and how might they impact ongoing development programs?", "18ce214a-14d9-47d5-8f18-4e88bf4242a4": "What factors are contributing to the stable demand outlook for the government services business in 2023?", "f810be7a-03b5-4a0e-b9a9-39bd004824a5": "Which market segment comprises over 50 percent of the government services markets served?", "5ddfa1c9-90b0-4a48-af71-f33a9e894a88": "What is the expected trend for U.S. growth in the government services market over the next decade?", "40608bb4-1ae3-4a03-af87-7db62f0afe1d": "How much did BGS revenues increase in 2023 compared to 2022, and what was the primary driver for this increase?", "c8361dd9-c398-429d-8903-0c9573a4e4a7": "What impact did the discontinuation of an engine distribution agreement have on government services volume in 2022?", "79d6a52c-24a5-4d88-aded-52ea970644dd": "What were the operating margins for BGS in 2023, and how do they compare to the previous two years?", "f53f6605-1242-4d95-8e46-a9e2127a5f93": "What is the projected percentage of the worldwide fleet of military aircraft expected to be retired and replaced over the next ten years?", "35e51b2b-27ce-426f-8740-71c68a26ea3d": "How did the cumulative contract catch-up adjustments affect BGS earnings from operations in 2023 compared to 2022?", "6c7dcfdb-034f-44be-b8fb-835e4f680ab5": "What competitive pressures are expected to impact the aviation services market in the coming years?", "5e40c749-9284-4b43-9d78-1f2b6bd9e3f4": "In what ways did the performance of government services affect BGS earnings from operations in 2022?", "ca666724-e8d2-492b-afa1-10ce975ff156": "What was the total backlog for BGS at December 31, 2023, and how did it change compared to the previous year?", "3d36827c-1cdb-4109-9b48-26f063992b06": "How much net cash was provided by operating activities in 2023, and how does this compare to the amount in 2022?", "5fff6590-fcba-49b2-9de9-f0d4831c5bff": "What were the primary factors contributing to the increase in BGS's total backlog from 2022 to 2023?", "db01723a-5914-4652-9946-56775ee323eb": "What was the net loss reported for the year ended December 31, 2023?", "12818f04-ade9-468a-8fc0-db9ea3f312c4": "How did changes in assets and liabilities impact cash flow in 2023 compared to 2022?", "81637eb0-9155-4716-be6b-f21d445e46bb": "What were the total concessions paid to 737 MAX customers in 2023 and 2022?", "b988195a-88f6-4c49-9546-af7c6c3b2a0b": "How did the cash and cash equivalents at the end of 2023 compare to the beginning of the year?", "cbe4c27d-0b7e-4b1a-85ba-1018911b75cc": "What were the primary drivers for the $6.9 billion improvement in cash provided by operating activities in 2022?", "2c77c758-50af-4ec7-aa7c-6ca0ee49a2e3": "What were the non-cash items reported for the years ended December 31, 2023, 2022, and 2021?", "e30261ad-21f6-481a-b442-73ee2d451c2f": "How did the changes in inventories affect the cash flow in 2023?", "57f5cf84-318d-400c-ad12-630fd7dfe32e": "What was the net loss reported for the year 2022, and how does it compare to the net loss in 2021?", "b078bc28-5b36-470d-b4b0-326019583246": "How much cash was used by investing activities in 2023, and how does this figure compare to the cash provided in 2022?", "068c54f9-87f8-4c0a-bf56-66d41a6ec8bf": "What were the total capital expenditures in 2023, and how do they compare to the expenditures in 2021?", "54c13d3f-475b-483f-9240-bade6d81abd5": "What was the primary reason for the increase in payables to suppliers participating in supply chain financing programs in 2023?", "bd9bebd5-390a-46aa-8c99-9eb5fa9a822f": "How much debt was repaid net of new borrowings during 2023, and how does this compare to the debt repayments in 2022?", "eb794fd8-a67f-4993-bbc9-d7da65eab33a": "What was the total amount of long-term debt, including the current portion, as of December 31, 2023?", "a8fc9deb-1520-444a-8831-ee58632bafbd": "How many shares were transferred to the company from employee tax withholdings in 2023, and what was the reason for the increase compared to previous years?", "c3515bb0-fc57-4d1e-ae60-3e451e6b8d0a": "What were the cash requirements for interest on debt as of December 31, 2023, and what is the total estimated amount for long-term obligations?", "37e00fcc-2af1-4f23-a112-c0114db0fc5b": "What significant change occurred in the company's dividend policy starting in 2020, and how did it affect dividend payments in 2021, 2022, and 2023?", "017534f3-f7a5-4ab5-ab11-2f9b6779706e": "What were the primary factors contributing to the $3.4 billion reduction in non-cash items in 2022?", "e9e16ca2-195c-402a-aec5-0d3a5b1e12ed": "What was the total amount of cash and short-term investments held by the company as of December 31, 2023?", "e5afdc35-664a-4369-b9b0-9fb82fb8ec85": "How much unused borrowing capacity did the company have on its revolving credit line agreements at the end of 2023?", "78bad390-9569-443d-912d-b198caa0d7a2": "What were the reasons for Fitch upgrading the company's credit rating outlook from stable to positive in the fourth quarter of 2023?", "f797e9d7-5be5-436b-88d4-5ad984427c6a": "What are the most restrictive covenants associated with the company's debt and credit facilities?", "454047ee-e236-4b9c-97ad-45ad2f53221d": "As of December 31, 2023, how much were the company's pension plans underfunded according to U.S. GAAP?", "7278425e-57a9-470c-90ec-431a4a7f1a97": "What is the expiration date of the $3.0 billion five-year revolving credit agreement entered into by the company in the third quarter of 2023?", "c4dffb08-c8b1-4ffd-859e-f81b3bb1c0f1": "What factors could potentially increase the company's borrowing costs or hinder access to capital markets?", "039119cf-97ee-4600-8a4c-922e4d877b38": "How does the company's pension funding status differ under ERISA regulations compared to U.S. GAAP as of December 31, 2023?", "6eea26b9-3562-4a60-a608-9c155fc378af": "What is the company's strategy for funding contributions to its 401(k) plans in the foreseeable future?", "873f40ea-1ead-45af-92d8-1bf61f6307a3": "What impact did the reduction of 737 and 787 aircraft in inventory have on Moody's outlook for the company's credit rating in the first quarter of 2023?", "528f2971-ae73-4acd-8ed4-decff7e03184": "What are purchase obligations, and what do they represent in a contractual context?", "7e76771e-17b7-468f-8f02-722307b314da": "Which types of agreements are included in purchase obligations that are not recorded on the Consolidated Statements of Financial Position?", "a34a318b-5211-444a-9849-fd41a5ec6910": "What is the most significant obligation related to inventory procurement contracts mentioned in the document?", "7ef6ecfa-a201-47af-911a-3fcaa56ad7f5": "How do industrial participation agreements facilitate economic flow back or technology transfer to customers outside of the U.S.?", "cd6b2d61-53de-457b-9ef0-fed48786f8a3": "What are the potential penalties mentioned in the document for failing to meet industrial participation commitments?", "5ab20968-b555-4b62-8f92-36dff5d9a17a": "As of December 31, 2023, what is the total value of outstanding industrial participation agreements, and until what year do they extend?", "b26fde21-351b-4e1b-af96-ef8a915ee12b": "What types of liabilities are included in the purchase obligations recorded on the Consolidated Statements of Financial Position?", "ecd94920-cac7-492b-a43e-0a5047220955": "How do escalation adjustments affect the amounts disclosed in inventory procurement contracts?", "891c6317-2a5c-4660-aca8-28a54882ac42": "What criteria must a non-U.S. supplier meet to be eligible for a purchase order commitment from the company?", "a395a555-c76f-4a45-9c55-dd73c89b75ad": "What off-balance sheet arrangements does the document mention, and where can further details be found?", "6988facf-5f2b-45eb-97ea-37422ce5db73": "What is the total amount of commercial commitments outstanding as of December 31, 2023, according to the document?", "2a7c5ae2-7a24-4c33-801c-4ccfb439337a": "How much is recorded as a liability for environmental remediation activities at the end of 2023?", "49e54597-adf6-4713-8a73-adf69d0103da": "What are the different time frames for the commercial commitments listed in the document?", "3489acf1-e89f-45c7-a8c3-766f653c769e": "What factors contributed to the increase in customer financing commitments from $16.1 billion in 2022 to $17.0 billion in 2023?", "726b8cfc-488a-43c4-b78c-d8b02037e951": "What are the non-GAAP measures mentioned in the document, and how do they differ from GAAP measures?", "7c47b78f-3e18-45b6-b62f-9a771d44cb62": "What is the maximum amount of loss associated with standby letters of credit and surety bonds as of December 31, 2023?", "143a0f6e-b034-45db-977c-6bd372cb6757": "How does the document describe the company's historical funding requirements for financing commitments?", "4ec81abf-15a8-40f8-8f9b-040dc8fe2316": "What types of legal issues are mentioned as part of the contingent obligations faced by the company?", "537d3c49-4341-4c45-baf8-4d2912b6534f": "What is the significance of the FAS/CAS service cost adjustment in the context of core earnings per share?", "a4805806-8315-43c0-9bf2-87421487d218": "How are pension costs allocated differently between businesses supporting commercial customers and those supporting government customers?", "c86cc268-b716-4ebd-b165-df73d7e59bf6": "What accounting standards are mentioned in relation to the allocation of costs to government contracts in the document?", "7e4f42a2-e870-447f-a8ec-beb29abd7197": "How much were the Pension FAS/CAS service cost adjustments recognized in Loss from operations for the year 2023?", "bda63dd9-5cec-4a05-8475-bfde35a78e79": "What factors contributed to the lower benefits in pension costs for the years 2023 and 2022?", "74d98470-7eb3-4980-b48b-2a96efe5d4c0": "What was the non-operating pension expense included in Other income, net for the year 2022?", "9529f920-ba65-452d-8a50-4fb9f7336e8b": "How does management evaluate and forecast underlying business performance according to the document?", "567a4c29-98fc-47c8-9c9a-9d7b4c5cb9d9": "What are the core earnings measures mentioned that provide insights into operational performance?", "1db0bdbc-0088-4367-ab00-2ed02878e82f": "What was the primary reason for the higher benefits in pension costs in 2022 compared to 2021?", "0e473003-8fff-463e-93ba-ca15919b6708": "Where can further discussion of pension and other postretirement costs be found in the document?", "3e1655eb-d368-4b64-86ed-33973bba1128": "What is the significance of unallocated pension and other postretirement benefit costs as mentioned in the document?", "cec36580-1f03-41c0-b06d-015410f10375": "How did the expected return on plan assets affect the non-operating pension expense in 2023?", "183bcf15-e689-4396-ad7c-6f1506f8c575": "What are the core operating earnings/loss figures for the years ended December 31, 2021, 2022, and 2023?", "fccf3aab-c5de-4dd5-80d7-06f4d888d74e": "How does the core operating margin (non-GAAP) compare across the three years presented in the document?", "1d792773-2765-4a55-b4f7-da99b90cd209": "What adjustments are made to reconcile the diluted loss per share to the core loss per share (non-GAAP)?", "cf0194be-c446-489e-957a-3b8350dfec64": "What was the reported loss from operations for the year ended December 31, 2023?", "aca1d70d-16af-41e7-91d0-3f00debd0cc9": "How much did the pension FAS/CAS service cost adjustment amount to in 2023?", "f2b4354e-26dc-433d-871f-9aff9d145a16": "What is the significance of the FAS/CAS service cost adjustment in the context of core operating loss?", "819b4d3b-eb61-481a-a3a5-6e8dae62bfa0": "What was the weighted average diluted shares outstanding for the year ended December 31, 2022?", "2708f9dd-07fd-4a87-98ca-a37af7eecfdb": "What was the impact of the provision for deferred income taxes on the adjustments for the year ended December 31, 2023?", "ec125420-e997-435a-91b1-07d52b653104": "How do the core operating margins (non-GAAP) for 2022 and 2023 compare?", "81464e9b-90e4-4ace-8053-9b4889f56043": "What components are included in the non-operating pension and postretirement expenses as mentioned in the document?", "47181624-a5dc-4080-a4dd-ea91c349d809": "What is the primary accounting method used for long-term contracts at BDS and BGS?", "058fe654-7f40-4185-b8d1-e4532ead6623": "How are revenue estimates for long-term contracts determined according to the document?", "111b9468-3d77-4ec0-a05b-4a149dabf76e": "What factors can influence the estimation of total revenues and costs for long-term contracts?", "e86d36b5-fbb8-420a-9948-7825922f1a3f": "What impact did net cumulative catch-up adjustments have on losses from operations in 2023, 2022, and 2021?", "6dd71d4e-eeaf-4066-ae11-ada18521ff07": "Which specific programs were mentioned as contributing to losses recognized in long-term contracts?", "5c428a9c-2b2e-4e4a-8dee-20e7361a2b20": "How often are revenue and cost estimates for significant long-term contract performance obligations reviewed?", "00510373-b680-4416-ae93-87a5557296a4": "What could be the financial impact if the combined gross margins for profitable long-term contracts were estimated to be 1% higher or lower?", "adfe0640-ae74-4510-b28b-30507fa6c487": "What is the significance of judgment in the estimation process for long-term contracts?", "15cb6b1e-48f0-449f-a830-90453a6803ae": "What are the implications of changes in underlying assumptions or estimates on financial performance in future periods?", "70298d08-156d-4951-8d26-40cb159200d6": "What does program accounting require in terms of estimating revenues, costs, and gross profit margin?", "44527601-4efd-42ff-b499-dde314616689": "What factors are considered when estimating the accounting quantity for aircraft programs?", "d4a3ff5c-8379-4177-bf5f-330cb8973fb8": "How does the introduction of new aircraft models, such as the 777X and 737-10, affect the risks associated with development and production?", "3e88c75e-986e-415d-aaa9-60ba1d7d23a5": "What is the significance of quarterly updates in the estimating process for program gross profit margins?", "0dc9b6d6-f7a0-43e5-ae29-5da2948299a9": "How do adverse changes in revenue or cost estimates impact the earnings of the 767, 777X, and 787 programs?", "f0d32e26-83c3-42dd-882d-ba3cebbf0543": "What are the potential financial implications if the combined gross margin percentages for commercial airplane programs were estimated to be 1% higher or lower?", "005d9896-9bc7-4e83-8047-2b08bb3f844e": "What assumptions are involved in the annual measurement of projected obligations and plan assets for defined benefit pension plans?", "22cc716b-0de2-41e4-b9aa-5a24a1f020fd": "How do global supply chain constraints influence cost estimates for aircraft production?", "0837735e-b248-4035-bf68-4761287c0ad6": "What happens when estimated costs to complete a program exceed the estimated revenues from that program?", "d2771f56-df0f-4889-8f40-f5b1e2db4a8d": "What role do historical performance trends play in the estimation of costs for aircraft programs?", "85abbb03-aef1-4990-af90-939337a8286f": "How might changes in labor agreements affect the estimation process for program costs and profitability?", "4aa47768-c345-427a-8774-d299e229554d": "How sensitive is the projected benefit obligation to changes in discount rates according to the document?", "5e0db4ae-afb4-4ca2-b487-62f34b4ea67f": "What is the impact on net periodic pension cost if the expected long-term rate of asset return changes by 25 basis points?", "bb86ca51-9158-4806-b57a-ad7d4a723c37": "What were the deferred income tax assets and liabilities of the Company as of December 31, 2023?", "9d191a44-6e1f-451f-a74c-333072d714d7": "How does the Company assess the likelihood of recovering its deferred tax assets against future taxable income?", "12b89a2d-4b5d-48a3-a9e2-017a7b372154": "What factors are considered as positive and negative evidence in the assessment of deferred tax assets?", "e39c8d6e-8852-41b8-b73e-d04fec80694e": "What is the amount of the Company's valuation allowance as of December 31, 2023, and what does it primarily relate to?", "1fa8d11b-5da3-44c3-bc31-8dcb1e953952": "Why did the Company increase its valuation allowance by $1,388 million during 2023?", "c457fe10-ce80-4303-be3d-5bed25253f8b": "What methodologies does the Company use to estimate the reversal of deferred tax liabilities and assets?", "89801919-1e4e-401c-9c58-9cfbcbd686e8": "How does a recent history of financial reporting losses affect the Company's analysis of deferred tax assets?", "a8e2e676-5ec5-4b55-a72d-7882634ca18f": "What additional impacts might the Company face if it does not generate sustained levels of profitability regarding its deferred tax assets?", "b9c4e8c9-f822-4b37-b358-09637b3c41fc": "What types of financial instruments are primarily subject to interest rate risk according to the document?", "3d598ae2-bc7a-46b8-b012-d95f66ad6c72": "How does the company manage foreign currency exchange rate risk?", "f523f6a4-198e-4207-9bed-79a6fa03c773": "What was the potential impact of a 10% change in foreign currency exchange rates on the company's unrealized losses as of December 31, 2023?", "b7fb280b-9b12-4a87-8727-822d60264006": "What measures does the company take to hedge against commodity price risk?", "87ba5774-925e-4b33-9e5c-1fac88bdb092": "As of December 31, 2023, what would be the effect of a 10% increase or decrease in market price on the company's commodity derivatives?", "64c77609-aaf1-46e6-ac78-7062ddfc861f": "How does the company account for changes in the deferred compensation liability?", "20aff129-2107-47f0-a8a0-a1ba5b7b6494": "What is the total amount of the deferred compensation liability marked to market as of December 31, 2023?", "71330200-56f3-4ddd-9fc3-6ec8b3dba146": "What is the relationship between unrealized losses or gains from hedging contracts and the underlying transactions being hedged?", "958a9f1e-e0f7-4632-9139-ef5054494406": "How does the document describe the materiality of market risk related to fixed-rate debt obligations?", "36e31787-d84c-4df0-a420-3acadd0b8aca": "What is the potential financial impact of a 10% change in the fair value of investment funds in deferred compensation plans?", "aafb239d-a79d-4cc2-93ff-bd098e532256": "What is the purpose of the Consolidated Statements of Operations as listed in the document?", "bd63a28f-df07-42f3-b111-8868025de71d": "Which note in the financial statements discusses Goodwill and Acquired Intangibles?", "a6b5d78c-9561-460c-a214-e744597a949f": "How many pages are dedicated to the Consolidated Statements of Cash Flows?", "bdb2ead1-6bdd-4e03-a299-f794ece0e148": "What information can be found in Note 4 regarding Income Taxes?", "a9e82525-9cba-4334-bd07-6c8328643b34": "Which section of the document addresses Liabilities, Commitments, and Contingencies?", "bbc906ae-aeee-4393-a50e-1a611cd3a37a": "What is the page number for the Summary of Business Segment Data?", "035f6215-6a5b-46f7-8105-12345ffd3fc7": "In which note would you find details about Share-Based Compensation and Other Compensation Arrangements?", "999440b3-8053-47b7-a5e6-e7ca3b3b72d1": "What type of information is covered under Note 20 related to Fair Value Measurements?", "73b41870-bd0a-418d-b763-442782b4df82": "How does the document categorize the information related to Legal Proceedings?", "9f55e8ff-5426-4d4d-a7dc-c654a0882fe7": "What is the significance of the Reports of Independent Registered Public Accounting Firm in the context of the financial statements?", "9a360a2b-d1d2-480a-aed0-82f1c63f17ee": "What were the total revenues for Boeing Company in the year ended December 31, 2023?", "0bce4ccc-dcef-4d3c-b010-d8f239e58ce5": "How much did Boeing's cost of products increase from 2021 to 2022?", "1da739d6-8fc1-4b8b-9fd8-344bac492897": "What was the net loss attributable to Boeing shareholders for the year ended December 31, 2022?", "ecbcbe38-827a-4904-bfb5-d014482064bb": "What was the basic loss per share for Boeing in 2023?", "15c7dc4b-16b5-4cfb-a11c-f808d9c5d8bb": "How did Boeing's research and development expense change from 2021 to 2023?", "b98e1f7b-ab33-4170-baf7-3ac6017374f8": "What was the income tax expense for Boeing in the year ended December 31, 2023?", "f99f1490-1397-4f57-9293-de47952026ee": "How much did Boeing's sales of services contribute to total revenues in 2022?", "a7b9803d-f58a-43b1-8c66-7a1927b2ae61": "What was the loss from operations for Boeing in 2021?", "67011e4f-defc-4042-b183-ff2e7c6f12a4": "How did the net loss attributable to noncontrolling interest change from 2021 to 2023?", "d10d4772-e663-4cee-9e76-69aa77f98c15": "What was the total costs and expenses for Boeing in the year ended December 31, 2022?", "379de909-3bb2-46eb-bfb7-4bffaf76464b": "What was the net loss reported by Boeing for the year ended December 31, 2023?", "5a0a3271-c0b6-4483-b379-e24633968ec3": "How did the comprehensive income attributable to Boeing Shareholders change from 2022 to 2023?", "a4a3294b-ff2f-49f4-a207-a2b85e1bbe3c": "What was the total unrealized gain/loss on derivative instruments for Boeing in 2023?", "81c20429-0c01-4971-b1ef-8c34ca4b11be": "What adjustments contributed to the other comprehensive income for Boeing in 2022?", "a135e96d-391e-4434-a46d-8024843ce921": "How much did Boeing report as net actuarial loss arising during the period for defined benefit pension plans in 2023?", "4717e622-daa2-4d94-aa5c-60af0b98f2e0": "What was the impact of currency translation adjustments on Boeing's other comprehensive income in 2023?", "f5e21edd-c224-4ea8-af3a-93282c04f64b": "How did the amortization of actuarial gains/losses affect Boeing's net periodic pension cost in 2022?", "55b4b6dd-577a-4de4-b605-da6fdb9e630c": "What was the total comprehensive loss reported by Boeing for the year ended December 31, 2023?", "185b1422-52ac-495b-a4bf-668da318e922": "How did the comprehensive income related to noncontrolling interest change from 2021 to 2022?", "725e2cf7-6386-4e17-a3f4-8c3ed1958469": "What was the net impact of defined benefit pension plans and other postretirement benefits on Boeing's comprehensive income in 2023?", "e0b65d9f-c094-4a39-8a69-636303e121c0": "What was the total amount of cash and cash equivalents reported by Boeing Company as of December 31, 2023?", "4b06db92-9e7b-47ea-a6a3-6e6794e75a58": "How did the accounts receivable change from 2022 to 2023 for Boeing Company?", "2cca629b-4c82-41c5-ad63-6926b6ef6300": "What is the value of Boeing's total current liabilities as of December 31, 2023?", "fcc4ea44-d671-4886-94ac-8126afcdf137": "How much did Boeing Company report in retained earnings for the year ending December 31, 2023?", "897f59eb-980b-462f-9575-15d1b48edd2b": "What is the total amount of long-term debt reported by Boeing Company as of December 31, 2023?", "f68a87e7-6398-459d-815c-f77642736da7": "What was the change in the value of Boeing's treasury stock from 2022 to 2023?", "3e077b40-e285-497a-9e3b-2e5b7ac624f4": "How much did Boeing Company report in total assets as of December 31, 2023?", "91536fda-85d9-4110-b81f-e8a63e1e1745": "What is the amount of accrued pension plan liability reported by Boeing Company for the year ending December 31, 2023?", "1fb36b42-8a17-44ed-9183-15ff0701068c": "How much did Boeing Company report in additional paid-in capital for the year ending December 31, 2023?", "7c2deef9-ca25-4977-a9c0-ec34ff0d7573": "What is the total shareholders\u2019 deficit reported by Boeing Company as of December 31, 2023?", "680558ff-93d8-4e5f-ae9c-d0ba6769125e": "What was the net loss reported by Boeing for the year ended December 31, 2023?", "6dabc27e-8dd3-4b02-a6c2-3f4f2b7ad5e1": "How much did Boeing spend on payments to acquire property, plant, and equipment in 2023?", "56566372-eb8f-47be-8673-49d5e8ccd858": "What adjustments were made to reconcile net loss to net cash provided by operating activities in 2023?", "afbd2387-4726-48bd-8ef6-a2aa3c622864": "What was the total cash provided by operating activities for Boeing in 2022?", "b6a3b612-f1b8-4f17-b8b5-31be02dde715": "How did the cash flows from investing activities change from 2022 to 2023?", "1cfa57b8-afcd-4452-9a4a-59f0763e9b82": "What was the amount of new borrowings reported by Boeing in 2023?", "eeffbed7-12b0-4674-8211-ab60c275081b": "How much did Boeing report as cash and cash equivalents at the end of the year for 2021?", "5d130452-9f3c-49e0-8b3f-1f358cbb110c": "What was the effect of exchange rate changes on cash and cash equivalents in 2022?", "a3706596-01ed-456d-a67b-4d9d70102058": "How much did Boeing report for depreciation and amortization in 2023?", "56ec08fc-181c-4699-930e-eed7f26f76f3": "What was the net cash used by financing activities for Boeing in 2022?", "facdeb31-1e1b-4f5d-b648-db753696fb68": "What was the total balance of retained earnings for Boeing at the end of 2023?", "91934b67-d45e-41e3-93b0-7374059a4bdb": "How much did Boeing report as net loss for the year ending December 31, 2022?", "3549444f-e5e7-4bef-8a15-8b0b8d36cd0d": "What is the amount of additional paid-in capital for Boeing as of December 31, 2021?", "5aeb0e65-85f9-443b-8a38-bdc817a8d886": "How did the accumulated other comprehensive loss change from January 1, 2021, to December 31, 2023?", "57e404e6-18d9-425a-a57a-917f9dadc146": "What were the total treasury shares issued for stock options exercised, net, in 2022?", "16a0f26d-7433-41bc-afcb-d6e3d21d017a": "How much did Boeing's shareholders contribute through share-based compensation in 2023?", "78c64687-ecb6-4b60-a83e-42c69ba4fabf": "What was the net amount of other comprehensive income reported by Boeing for the year ending December 31, 2021?", "40bb174c-4be6-43c4-a21e-d2c6ea0280b3": "What was the balance of non-controlling interests at the end of 2023?", "65f02826-bb6c-4ce2-94b0-cfc4b8c15162": "How much did Boeing incur in net losses across the years 2021, 2022, and 2023 combined?", "fa56d3d3-84f5-40b0-b008-4443b412173a": "What was the total amount of treasury shares issued for 401(k) contributions in 2022?", "9cdcb610-b628-417a-a784-e357cd73357f": "What were the total revenues reported by Boeing for the year ended December 31, 2023?", "a8625a81-776f-4354-a50f-ede5e8da6574": "How did the loss from operations in the Commercial Airplanes segment change from 2022 to 2023?", "eb633f80-4d77-4e30-bc03-6bbd6375d69f": "What was the net loss attributable to Boeing Shareholders for the year ended December 31, 2022?", "df7390f2-508a-45a2-b247-7540f2935546": "Which business segment of Boeing reported the highest revenue in 2023?", "6c44ddbe-7f45-4163-b92b-b9a8a0fb5b98": "What was the operating loss for the Defense, Space & Security segment in 2021?", "5104a18f-4c55-4188-a7c3-044fe32996ca": "How much did Boeing's other income, net change from 2021 to 2023?", "3f8583ea-1148-4e20-852e-e18d4061f242": "What was the total loss before income taxes for Boeing in 2023?", "d92fb0d1-38f1-4e61-ae63-8ffb35b4cffa": "How did the income tax expense/benefit for Boeing change from 2021 to 2023?", "0d121ae8-f05b-44a2-b9e8-8b685277ba36": "What was the amount of unallocated items, eliminations, and other for the year ended December 31, 2023?", "b2df38ac-20a0-48ef-a4c3-3826d48f3b1a": "How did the net loss attributable to noncontrolling interest fluctuate from 2021 to 2023?", "4ce17884-7d45-4c8d-8fca-48e637b5250c": "What are the three reportable segments in which The Boeing Company operates as mentioned in the document?", "2b3a0396-87b0-409c-9eec-c452f14c59ce": "How does Boeing determine the transaction price for commercial aircraft contracts?", "bd255015-118f-4f5f-ad64-9d1e5647f8d7": "What is the significance of advances and progress billings in Boeing's commercial aircraft contracts?", "4229f0d3-900c-46a5-af3c-4d3745d8602b": "What types of products are primarily sold under long-term contracts at Boeing's Defense, Space & Security (BDS) segment?", "3fff0c06-7dd1-4dad-ac01-005c943d41fd": "How does Boeing recognize revenue for commercial aircraft performance obligations?", "03fbe745-0ceb-46e6-be8f-1accff88c124": "What accounting principles does Boeing follow for the preparation of its financial statements?", "8c9b0c8a-441d-4f02-acc7-6ab7e7910f3f": "What is the operating cycle used by Boeing for classifying certain current assets and liabilities?", "66d658fd-e5ad-4fc6-9051-367c1e4e2baa": "What role do estimates and assumptions play in the preparation of Boeing's financial statements?", "b87f806d-c594-47f2-adcf-9470be0d7b84": "How are intercompany accounts and transactions treated in Boeing's consolidated financial statements?", "3464a327-7b8e-4c83-a9bd-1ffeac957f73": "What types of services are included in Boeing's long-term contracts under the Global Services (BGS) segment?", "7b0ae348-72e4-4e23-8827-2b06e4039bc1": "How is the transaction price determined for long-term contracts according to the document?", "9265de78-1a0f-4a1f-9be2-eb98661f2d09": "What factors contribute to the allocation of the transaction price to distinct performance obligations?", "abccc917-2a37-416f-a333-216fae638866": "What types of pricing structures are mentioned for long-term contracts in the document?", "9a27670a-9f30-4faf-9126-0945afc5ce74": "How is revenue recognized over time for long-term contracts, and what supports this recognition for U.S. government contracts?", "06fab8fb-debe-4f77-972d-652e321d9aae": "What is the process for recognizing changes in estimated revenues and costs for long-term contracts?", "de9a2266-0974-4e19-855d-49cce4078627": "What impact do cumulative catch-up adjustments have on revenue and loss from operations for the years ended December 31?", "e7a534c2-961c-4784-9c02-4458c2b7ba36": "Which long-term contracts were noted for significant adjustments resulting in losses during the three years ended December 31, 2023?", "653bf32f-aef7-44d3-afac-202f0496dfba": "How does the document describe the relationship between cost of sales and revenue recognition for long-term contracts?", "188613ba-ac32-4639-88c8-388e97d75cdd": "What is the significance of the customer's control over work in process in the context of long-term contracts?", "33b2d27b-5dcc-46f8-ab09-2743bd071e49": "What are the implications of recognizing a provision for reach-forward losses on long-term contracts?", "7e7324a3-a041-4c1f-aee3-b9d865401710": "What factors can influence financial performance in future periods according to the document?", "28208322-1b13-4d2b-9e89-2bd879b77065": "How are Unbilled receivables and Advances and progress billings classified in relation to long-term contracts?", "e85b9c19-8460-4b36-8fba-37b7b557e06e": "When is revenue recognized for commercial spare parts contracts?", "1da4c3f6-b331-4ead-9dde-b50e0b468cf3": "What types of services are included in the other service revenue contracts mentioned in the document?", "d6682eeb-3bbd-47fa-aa4f-e00acd092492": "How are sales concessions accounted for in relation to the transaction price?", "0c7e1609-388f-483a-bd14-df7a99aa3092": "What is the method for recognizing financial services revenue associated with sales-type leases?", "894b1b62-aef9-4cd3-8106-5506e1762ea5": "How does the company determine the transaction price for commercial spare parts?", "5cafa0d5-e8e9-458e-92c6-51a0f86c8b20": "What is the significance of customer returns in the estimation of transaction price for spare parts?", "a4cd593e-b29d-4846-8957-632042e0b24a": "How is income recognized over the life of a sales-type lease according to the document?", "cd4b239a-f5f5-4a8b-aa80-a6f204d84514": "What is the difference between Unbilled receivables and Advances and progress billings in the context of contract liabilities?", "8fcec987-6628-451e-b537-ccfeca3c1759": "What criteria determine when a financing receivable is considered uncollectible according to the document?", "2d55c4af-6b3a-4374-a245-0492cf707ec7": "How is revenue from operating leases recorded over the term of the lease?", "daf9fcab-d87d-44b7-b3c7-b05c4435c134": "What is the process for recognizing impairment on assets under operating leases?", "e7574210-8054-4ead-bc46-389c5264bca1": "How does the company categorize a customer that is in non-accrual status?", "b66afef1-e5f5-4217-b19f-eea151c36b43": "What are the reported reinsurance revenues for the years 2021, 2022, and 2023?", "ea222693-2780-4c6b-8477-82bef355c19f": "How are research and development costs treated in relation to government products and services?", "321faaa2-bf82-4433-8b0e-e01350ac89d5": "What is the treatment of costs incurred under certain contractual arrangements in research and development?", "5242ef34-bfd1-4fce-8a35-825ea2dfb93f": "How is share-based compensation expense measured for awards settled in shares?", "ea3f61b4-09d9-4edc-8f8c-50de04f1625e": "What factors are considered when evaluating the collectability of financing receivables on a recurring basis?", "c1acdf59-b6ca-42f1-9f26-8a22f76a76ff": "How are residual values for leased equipment reviewed and adjusted according to the document?", "8e545914-5d56-4be4-be82-ed69b86191ee": "How is compensation expense measured for awards settled in cash according to the document?", "f7a39bd0-9226-40d0-a7bd-c736b0e593f5": "What factors are considered when calculating provisions for income taxes in the context of the document?", "db5465a5-add1-4a7b-901a-e2c4b7fa54ec": "What is the threshold for recognizing and measuring tax positions taken in a tax return as mentioned in the document?", "0c9466b4-210f-4464-acda-b80e871ed264": "How does the document describe the accounting treatment for deferred tax assets?", "ea372794-eeef-49ce-ac1c-9cbcee3adc83": "What are the primary benefits provided under the defined benefit pension plans as outlined in the document?", "a8465269-07dd-463f-8423-6e36b97637d1": "Which actuarial assumptions are significant in determining the net periodic cost of pension and postretirement plans?", "3a2efd12-dcdc-4b75-9f0c-15c201ff45c3": "How are actuarial gains and losses treated according to the document?", "30e62acc-b58c-4357-884f-b5ad4fddccc3": "What criteria must be met for recording a liability for postemployment benefits?", "5b8a66cb-3b71-4076-b5bb-7eb78fbdfa9b": "How does the document differentiate between defined benefit pension plans and defined contribution retirement savings plans?", "1be1afe3-2877-4610-8428-bd5703e013d6": "In what section of the financial statements is the funded status of pension and postretirement plans reflected?", "012331d5-9ce7-41cf-a9a7-d0c04ef0e5f9": "What federal and state requirements are mentioned regarding environmental remediation in the document?", "40925ff2-5fd4-4554-8cd8-c7e818002c43": "How does the company determine the amount of liability for environmental remediation sites?", "51d1a39b-bfee-45f5-a83b-73f5ed87d45f": "What types of instruments are included in the category of cash and cash equivalents?", "ca5cb93b-43ab-4487-b5ed-fb650f59a5f5": "How are negative cash balances treated in the financial statements according to the document?", "6dfe89c3-4909-4586-8e8a-f9a164fe4808": "What costs are included in the inventories for commercial aircraft programs and long-term contracts?", "0f07b949-10ee-40da-b221-8aef8588ab25": "How are deferred production costs related to commercial aircraft programs defined in the document?", "d90cd370-f2c1-4fa2-bf8d-f49b5dd6cda9": "What triggers the recording of a loss provision for long-term contract costs?", "013409a5-be03-4c61-8725-0f810306cd5d": "How does the company assess the net realizable value of commercial aircraft program costs?", "9465af40-abba-4676-8fb7-ce7be4da3767": "What is the significance of supplier advances in the context of inventory management?", "ed147f84-32e5-4ce5-99f9-5a05b915b60c": "How does the company handle costs related to abnormal events or fixed costs in relation to inventory?", "22818341-f26e-4955-9621-e7fb1de3a5f3": "How is the inventory for used aircraft and general stock materials valued according to the document?", "1a7f57c6-c117-4be1-ba50-186a31476727": "What criteria are used to identify impaired inventory in the spare parts inventory?", "4568bcb3-9e4b-427f-bb98-de8286bd92b4": "What happens to early issue sales consideration if an airline customer does not take delivery of the contracted aircraft?", "40e36f9f-6982-4b73-a4eb-4a936ebe8b88": "Under what conditions are precontract costs capitalized, and what happens if future orders do not materialize?", "379c94d8-0efd-43f2-94de-b74f78aed50f": "What are the estimated useful lives for new buildings and machinery as stated in the document?", "7cf63b36-a2b6-4907-aa18-37ea1652a473": "How is the depreciation method for buildings and land improvements described in the document?", "6ef08474-e1c1-49b7-b805-ee7e81e422cb": "What is the process for assessing impairment of long-lived assets held for use?", "9c0d50ae-ee20-415a-85b5-c3a9ade02f50": "How are operating lease assets and liabilities recognized in the financial statements?", "1c5f84e2-b49e-4960-a800-2429ce22b76a": "What factors determine whether an arrangement is classified as a lease under which the company is the lessee?", "f03e90dc-e2e8-4c25-a821-844c6968787d": "How are capitalized internal use software costs amortized according to the document?", "4f356ac2-23c7-4fc7-8435-897293b72d0f": "What factors are considered when determining the present value of lease payments in the document?", "d7729228-d321-497a-8e0e-6f29985eda47": "How are variable components of lease payments treated in the financial statements according to the document?", "a832aa4a-0444-4d26-8731-b95d85407223": "What is the approach taken for recognizing lease expense for operating leases?", "4b1c348d-d28a-467e-bf8f-c62f7b963e8a": "What types of asset retirement obligations are recorded in the financial statements, and how are they valued?", "d1aa1e33-d61c-4596-b157-057184cb01d8": "Under what conditions are conditional asset retirement obligations recorded in the Consolidated Financial Statements?", "4ac2276e-08b8-46aa-bf26-bf364011b23e": "How is goodwill tested for impairment, and what are the two assessment methods mentioned in the document?", "589e07b7-6fe3-4dd6-8f81-8abc5284b3ba": "What criteria determine whether in-process research and development (IPR&D) is capitalized or amortized?", "baef6bfa-bf91-45bf-9359-667d16ace446": "What are the estimated useful lives for amortizing finite-lived acquired intangible assets as outlined in the document?", "d2c8794e-80ff-4e8d-ae0f-a3ca4c8f0861": "How does the company evaluate potential impairment of finite-lived acquired intangible assets?", "d534ba6d-38a4-485b-b07e-9d9dff8f1bf1": "What is the significance of the annual testing date of April 1 for goodwill impairment assessment?", "4b996d4a-0945-4417-99a9-d42f204c897c": "What is the accounting treatment for available-for-sale debt investments according to the document?", "a22717ae-7d18-4a14-9c75-56f14301bbe9": "How are equity investments without readily determinable fair value measured?", "10074251-f6ed-40d0-b47d-ba5a733a950a": "What criteria determine whether significant influence exists over an investee in equity method accounting?", "aa23da60-6acc-4e19-904f-09be4a726ba4": "How are realized gains and losses on available-for-sale debt investments recognized?", "f71de954-fbda-44d3-b3c0-dc6461ccf5b8": "What is the classification of investment income and loss on the Consolidated Statements of Operations?", "ea81db50-a5bd-44a3-af6a-f586a862699a": "How are derivative instruments treated in the financial statements regardless of their purpose?", "8289b991-63ae-414a-bdc3-e2f4dcb8ab19": "What factors are considered when assessing the adequacy of allowances for credit losses on financial assets?", "f785ebcf-bc9f-4fd3-ba51-b81a49bb41c6": "What happens to the gain or loss from cash flow hedges in the financial statements?", "57ee35ee-b68d-41c5-9f64-278747e3a0d2": "How are changes in fair value recorded for derivative instruments not designated for hedge accounting treatment?", "cdb8350a-cbd8-4260-b466-3fb30300da5f": "What types of investments are classified as operating investments in the document?", "34dccbc7-9d40-4f1a-b529-a9845c4487e8": "What factors are considered in determining the creditworthiness of customers according to the document?", "7a12be3c-04f6-4eba-8775-f78ca59d87f9": "How is collateral exposure defined in the context of financing receivables?", "bc4ec77f-bd37-4d4e-8a2c-013258775b5a": "What methodology is used to determine the fair value of aircraft collateral?", "ca540e8a-1ef7-4328-ace0-6611b56d6b89": "What are the potential outcomes if the proceeds from the sale of collateral are insufficient to cover the carrying value of a receivable?", "e164ea4f-aa6e-4038-9d68-ea5075a49d59": "What rights do customers have under the trade-in commitments related to used aircraft?", "8b02747c-d922-41b8-a93e-ede258a2a1fd": "How is the fair value of trade-in aircraft assessed according to the document?", "600ab292-80bb-405b-b7e5-095ca2ac8678": "What are the different markets mentioned for placing used aircraft, and what factors influence the valuation of trade-in aircraft?", "20f2c401-7198-4ae7-9d4c-2da4d1e87215": "What types of warranties are provided in conjunction with product sales, and which segment primarily issues them?", "59a84c7a-5475-44ff-819e-bae52a031274": "How often is the valuation analysis for trade-in aircraft updated, and what factors are considered in this analysis?", "f09c994a-0227-41a6-bb28-b6700796d0d4": "What is the duration of the standard warranty typically associated with aircraft sales?", "bb84ba49-2b68-472c-9440-f3a2d5044138": "What is the typical warranty period for military aircraft and weapons systems sold by the BDS segment?", "3d7509a6-3aac-4bc9-8546-b4c4ca6915b7": "How are estimated costs related to standard warranties recorded in the financial statements?", "ded2e1b0-f7e9-4850-9d98-ba98d9a60cf7": "What factors are considered when estimating the liability for performance guarantees provided to commercial aircraft customers?", "cb97774a-915e-43f3-8bb0-dd52e5f14eee": "How does the company account for additional warranty issues that exceed normal claims levels?", "4bbf1173-7064-4d11-9472-230740812b12": "What is the process for recording supplier penalties when a contract termination occurs?", "5ef0aabd-9b14-4493-86cd-6245a622ce86": "How is the liability for credit guarantees determined at the inception of the guarantee?", "854d75b9-61fb-4daf-a6a5-147b6d450360": "What role do supplier agreements play in the company's warranty and performance guarantee accounting?", "c0579907-5f49-41e0-b666-4a2010dc5dc8": "How are estimated payments for performance guarantees recorded in relation to aircraft delivery?", "f54d767a-c86b-4117-8c73-6b281f5160cd": "What adjustments are made to the liability for expected contingent losses each quarter?", "fb823b41-410e-4768-848c-586655661b1d": "How does the company handle claims against suppliers for failure to meet specified performance targets?", "f4c4f8c9-2b87-4e6d-be81-f68361c254df": "What was the total balance of goodwill as of December 31, 2023, according to the document?", "a68e2c93-7802-4520-9431-a0af4a6216f6": "How much did the goodwill adjustments amount to for the year ended December 31, 2022?", "98b1ea4d-cd2d-42bd-940d-3c4a83e1bde5": "What are the carrying amounts of indefinite-lived intangible assets related to trade names as of December 31, 2023?", "1186f830-6a11-4a0d-a530-68a48bd29496": "What was the amortization expense for acquired finite-lived intangible assets for the year ended December 31, 2022?", "b2e3416f-24b7-4fad-9ac3-105016736368": "How much was the estimated amortization expense for the year 2024?", "9aef7eef-ccbf-468b-9d3b-da5d8b54ae00": "What categories of acquired finite-lived intangible assets are listed in the document?", "94e55658-0f00-48b3-8499-946f84dcdda6": "How did the balance of goodwill for the Defense, Space & Security segment change from December 31, 2022, to December 31, 2023?", "f813d193-062c-418f-9281-56fcab6e1607": "What method is used to compute basic and diluted earnings per share in the document?", "72e7b122-3115-4294-bdcb-3c8a02c2eeba": "What was the accumulated amortization for distribution rights as of December 31, 2023?", "969f84dc-6045-48ad-9ed6-3ccb02b50367": "How many total goodwill adjustments were made in the year ended December 31, 2023?", "648d061e-5107-4cb0-a2bf-2108f3466ff0": "How is basic earnings per share calculated for Boeing Shareholders according to the document?", "e96c9248-aaf8-4a56-9b7e-bd107983a9be": "What was the net loss attributable to Boeing Shareholders for the year ended December 31, 2023?", "daf00791-b151-4419-b419-6f363f6ddde3": "What are the differences between basic and diluted earnings per share as described in the document?", "23806738-7f2a-40d9-8495-10642163aaec": "How many basic weighted average common shares were outstanding for Boeing in 2022?", "b9a81d85-7f06-4e13-9047-23e8d3ef8fbe": "What types of participating securities are mentioned in the document?", "17309e6f-b57d-41b8-8384-d44cbb3230d5": "Why were certain potential common shares excluded from the computation of diluted loss per share?", "16db7de7-3d71-43c3-94ec-6778dbcd96c4": "What was the diluted net loss per share for Boeing in 2021?", "71c75f71-a97b-4500-b552-63526c1166d4": "How many performance-based restricted stock units were excluded from the diluted loss per share calculation in 2022?", "62c4d26f-7fde-4f37-ac8f-b6538ef8eceb": "What is the significance of the treasury stock method in calculating diluted weighted average common shares outstanding?", "ac9f8a3b-c7cf-49b8-83ef-cd03db30d021": "How many potential common shares were excluded from the computation of diluted loss per share for the year ended December 31, 2023, due to antidilutive effects?", "5eb0d1ca-d9aa-4ecc-bcd6-3c230f846797": "What was the total loss before income taxes for the year ended December 31, 2023?", "8f0732ce-d197-4459-82b0-a989cb7ec1c7": "How did the current tax expense for U.S. federal taxes change from 2022 to 2023?", "6f17587a-56f8-4153-9650-22a9d4ee67b8": "What was the total income tax expense for the year ended December 31, 2021?", "cc38993e-6ecd-4892-ba9f-6a2ae8c4772a": "What was the valuation allowance amount for the year ended December 31, 2022, and how did it compare to 2021?", "685a5b57-2ef5-4414-8b7d-671ecd0c6818": "How much were the net income tax payments in 2023, and how did this figure compare to the previous two years?", "e979f4ec-8815-4d81-9819-8c2ba688b76f": "What was the rate of the U.S. federal statutory tax for the years ended December 31, 2021, and 2022?", "05d8f992-c469-474e-9fe1-766da2caac9e": "What impact did research and development credits have on the income tax expense for the year ended December 31, 2023?", "b72eb4ad-a0af-403a-8f22-5f2102294277": "How did the deferred tax expense for U.S. federal taxes in 2021 compare to that in 2022?", "ab737b6b-daca-4740-b243-8cc0dae4aeef": "What was the total current tax expense for non-U.S. activities in 2023?", "00d8dbf4-b47d-4747-b97f-c8d07810325d": "What adjustments were made in the other provision for the year ended December 31, 2022?", "1cfee630-6d24-4990-a296-7c7c176ffd1b": "What were the net deferred tax assets/(liabilities) for the Company as of December 31, 2023?", "5d6700c9-7818-46ef-b41b-198def2b66bc": "How much of the deferred tax asset for federal net operating loss can be carried over indefinitely?", "32d63129-be90-42f1-b4f2-a0939196695b": "What is the valuation allowance recorded by the Company for deferred tax assets as of December 31, 2022?", "69d167b2-e14f-49fb-8d18-26dfc03da752": "Which components contributed to the gross deferred tax assets/(liabilities) before valuation allowance in 2023?", "c6a02835-5f28-4dd5-af8a-213969db3967": "What is the significance of the Company being in a three-year cumulative pre-tax loss position?", "f3a5eca5-0905-456e-a08f-6d046dc33af3": "How do deferred tax liabilities affect the Company's future taxable income and income taxes payable?", "cda8be67-5cfc-41ec-80af-80da7a598b3c": "What are the expiration dates for the state net operating loss carryovers mentioned in the document?", "e3c610ce-2829-406e-bf01-743077906190": "What amount of deferred tax assets is related to pension benefits as of December 31, 2023?", "14768e34-727e-4778-8f81-21f5fdc26169": "Why did the Company determine it could not include future projected earnings in the analysis for assessing the recoverability of deferred tax assets?", "63f1c45b-cdfb-4b97-80bd-907809e5da51": "What is the total amount of deferred tax assets reported by the Company for the year ending December 31, 2023?", "1017bbdb-e976-4928-853c-d8a7087d3496": "What was the amount by which the Company increased the valuation allowance during 2023, and what was the primary reason for this increase?", "2372bc88-82e9-42bd-8a97-beea0df1acb1": "Over what time periods are deferred tax liabilities and deferred tax assets related to pension obligations assumed to reverse, according to the Company's estimation methods?", "8960dc47-be09-4049-b7f3-3c6d15913c65": "How much tax expense was recorded in continuing operations for the year 2023, and what factors contributed to this expense?", "499e5baa-8655-4e35-b579-47265ebeae88": "What is the significance of the Tax Cuts and Jobs Act in relation to the Company's undistributed earnings from non-U.S. subsidiaries?", "f8c160de-e312-4e47-b0b9-cee6644c8402": "As of December 31, 2023, what was the total amount of unrecognized tax benefits, and how does this compare to the amounts from the previous two years?", "9b832364-aaa5-4e33-a22d-44bd52dd9942": "What specific amounts of unrecognized tax benefits would affect the effective tax rate if recognized, as of December 31, 2023?", "14a6b1bf-aa62-4b20-86a1-5c22df53f230": "Which tax years are currently under audit by the Internal Revenue Service, and what years have been settled?", "ab862390-e767-4738-bc05-46825306082a": "What were the gross increases and decreases in unrecognized tax benefits for the current period tax positions in 2023?", "e6c5e3c1-05c7-4752-949a-2f783ed5a923": "How does the Company plan to address potential additional valuation allowances in the future, and what impact could this have on earnings or other comprehensive income (OCI)?", "122452bd-d1b8-4649-a425-b06185bb4264": "What amounts related to income tax-related interest and penalties were accrued in the Consolidated Statements of Financial Position as of December 31, 2023, and how significant were these amounts?", "37a90e42-d3ab-4d40-90d7-1e0115f2641d": "What is the potential decrease in unrecognized tax benefits related to federal tax matters under audit within the next 12 months?", "f91f7b48-7382-4d61-9362-201445403514": "When is the new global minimum tax of 15% introduced by the OECD expected to be effective?", "885aea2a-2470-4f60-90c0-06749f074473": "How does the organization anticipate the Pillar Two rules will affect its global tax costs?", "8c73684f-2d9b-4a40-b440-446b74c62066": "What were the total accounts receivable, net, for the organization as of December 31, 2023?", "c523bae5-bf62-4998-82b2-5349c5317a3e": "What is the valuation allowance for accounts receivable as of December 31, 2023?", "4c4e42f7-5113-4476-986c-a4d07ea7ed7e": "How did the allowances for expected credit losses change for accounts receivable from January 1, 2022, to December 31, 2022?", "5d84ccf7-9640-47c5-8bf8-c436518d2113": "What were the write-offs for financing receivables during the year ended December 31, 2023?", "110c2cbe-38bd-4d2c-b259-4e99a585a547": "What is the balance of unbilled receivables as of December 31, 2023?", "98984c33-a4d3-425e-9c6e-e5e21b2679da": "How much did the organization recover in allowances for losses on financial assets during the year ended December 31, 2023?", "2fa4de39-af63-4c46-89b1-244cb8cf143b": "What is the total balance of allowances for expected credit losses as of December 31, 2023?", "cb2fba1d-5f37-4bcc-8af9-0bcc5dc7ed1c": "What was the total value of inventories at December 31, 2023, according to the document?", "7add5fef-a6c9-4517-a842-002f6c5bf07b": "How much did the deferred production costs for the 737 program amount to at December 31, 2022?", "869d300b-3f4a-49cc-a9e0-cd4d7a61babc": "What abnormal production costs were incurred for the 777X program during the years ended December 31, 2023, and 2022?", "852ff359-0b28-4c4e-8429-49cc77593f7f": "What are the expected recovery amounts for the 787 program's deferred production costs at December 31, 2023?", "ecb5c6be-04bf-43b2-8991-660cae0b4ca8": "How did unbilled receivables change from December 31, 2022, to December 31, 2023?", "beb24d5d-16dc-47f6-94b3-5e1448a7c0c0": "What is the total value of commercial spare parts, used aircraft, general stock materials, and other inventories at December 31, 2023?", "1e8c79ce-5f1a-4dc6-9575-79a48ce40235": "What amounts related to supplier advances for the 787 program were reported at December 31, 2023?", "cedafb21-d000-4eaf-95f5-a5e86f4448f0": "How much cash or other consideration was credited to airline customers as early issue sales consideration at December 31, 2023?", "8d4fc492-b33e-420d-a6d7-4ca049ecadf1": "What was the total value of capitalized precontract costs at December 31, 2022?", "8aea918d-d077-479c-b3be-e1fd6c3651b3": "Which commercial aircraft program had the highest amount of unamortized tooling and other non-recurring costs at December 31, 2023?", "30313d8f-c501-48d7-9feb-50b4c027d8d6": "What were the total unbilled receivables for the years ended December 31, 2023, and 2022?", "8e0743c1-9e6e-4b27-8b4f-1f71321f95a2": "How much did advances and progress billings increase from December 31, 2022, to December 31, 2023?", "9d97cb09-a3be-424e-8a39-83989c3e8a06": "What is the amount of unbilled receivables related to commercial customer incentives expected to be collected after one year as of December 31, 2023?", "0fdd980e-8bd8-40c1-ba61-9b35b283453a": "What was the allowance for losses on receivables for financing receivables at December 31, 2023?", "c77be872-a7c2-4c40-9199-1b6695345d48": "How much revenue was recognized from amounts recorded as advances and progress billings for the year ended December 31, 2022?", "30800e99-6b0e-474e-a8c2-81f523b6e35d": "What is the net amount of financing receivables at December 31, 2023?", "fac9eab2-6143-4e8e-ba66-54c1e998b7aa": "What were the accumulated depreciation amounts for operating lease equipment at December 31, 2023, and 2022?", "a459c67e-5489-4d82-aa1d-42c41800de4d": "What is the total amount of financing receivables that were placed on non-accrual status as of December 31, 2023?", "2385d5cb-abe4-47aa-8fa4-32af92c90996": "How do the financing arrangements typically range in terms of duration?", "d1d0a280-c18d-490d-b687-af9762e80c81": "What was the valuation allowance for unbilled claims at December 31, 2023?", "9a740ec6-5b99-4d23-829f-1d00ce6a2825": "What was the total carrying value of financing receivables at December 31, 2023?", "9f7c7826-da8f-4f03-b198-0a0883fcc5fc": "How much unearned income was recorded for the year ended December 31, 2022?", "b1cb542b-e617-4e25-8240-a39766f01a15": "What default rates were applied to receivables with ratings of CCC, B, BB, and BBB as of December 31, 2023?", "be8f8973-9269-478f-bfdf-604f5e24f8dd": "Which aircraft model had the highest financing receivables exposure at December 31, 2023?", "487130b3-da00-4291-b605-5cefcabbb3d2": "What was the amount of financing interest income received for the year ended December 31, 2023?", "7462eac6-b250-42ea-8d0e-6259c766eacc": "How did the net lease payments receivable change from 2022 to 2023?", "b116146c-99cb-4da8-bc9c-29a675a0b11e": "What impairment charges related to operating lease assets were recorded for the year ended December 31, 2022?", "bbc8e993-f73e-4124-baae-4df8cce81bd1": "What was the total amount of past due financing receivables as of December 31, 2023?", "721cb1f7-3926-4d22-9104-089d7ed0648d": "How much lease income was recorded in Sales of services for the year ended December 31, 2021?", "82589b93-21bb-45ca-bcbf-43f3bb6ff1c9": "What were the amounts of unguaranteed residual assets for the years ended December 31, 2023 and 2022?", "9a907ec0-51fa-412a-aa29-30f9570eb3ab": "What were the recorded profits from sales-type leases for the years ended December 31, 2023, 2022, and 2021?", "0a1165b8-6c81-4851-b923-6614039f22e7": "How much were the undiscounted cash flows for operating leases in Year 1 as of December 31, 2023?", "5397d067-4189-491f-8dec-fbf0d4929992": "What is the total amount of financing receipts for sales-type leases over the next five years and thereafter?", "5d962786-bb30-4e9b-8828-ddd481052880": "What were the unguaranteed residual values at December 31, 2023, and December 31, 2022?", "d95a115c-e4e1-4e77-b474-ae8bd1bc2e05": "How much did depreciation expense amount to for the year 2023?", "3bf2a45e-732c-4e71-9418-76e9960102c7": "What is the total gross property, plant, and equipment as of December 31, 2023?", "13d982f8-8feb-444a-aee6-150bd75e300d": "How much interest was capitalized in 2022?", "bd3720d4-8f64-4def-aea1-3c0131b10a44": "What were the accounts payable related to purchases of property, plant, and equipment for the year ended December 31, 2022?", "9f9829d9-1634-41c7-9f97-6615b92ff177": "What is the difference in accumulated depreciation between December 31, 2023, and December 31, 2022?", "e543769e-6773-4886-abd6-b8150610dcb5": "How much property, plant, and equipment was acquired through non-cash investing and financing transactions in 2023?", "fe0007b9-6bb8-471f-baa4-52db1266dfae": "What were the total investments recorded at December 31, 2023, according to the document?", "701d102d-a559-42a7-92e7-de1882e6a3c3": "How much cash was used for the purchase of time deposits in 2023?", "580dd557-37b3-4d04-8947-3f6ff96102f1": "What is the ownership percentage of the United Launch Alliance equity method investment as of December 31, 2023?", "788e9120-0ac1-4fca-86e8-18481961cee0": "What was the total operating lease expense for the year ended December 31, 2022?", "b4a0709a-ab55-4e0b-9e4d-685f1b9e7c52": "How much were the dividends received in 2023?", "45b0cb84-69d6-4cc0-9853-a54c42b8ae6c": "What is the investment balance for equity method investments in 2022?", "62fda349-408f-406d-aa8b-02be423dc45b": "What amount reflects the cash payments against operating lease liabilities for the year ended December 31, 2023?", "7eae5a44-905f-44d7-bd90-7f06924b5714": "How are the allowance for losses on available-for-sale debt investments assessed?", "7d931da3-a936-4008-bd93-955f38572084": "What was the cash proceeds from the maturities of time deposits in 2022?", "d8ec6ffb-fa11-4057-947c-606f26a47b98": "What types of facilities do the operating lease assets primarily represent?", "9f059236-26c7-45de-a830-46e6aa093b6a": "What was the total operating lease liabilities for the year ending December 31, 2023?", "72726b09-479e-4af1-85ba-da3b884ad523": "How much did the operating lease right-of-use assets increase from 2022 to 2023?", "0c19ae3c-cd81-45df-8617-ae3ea08b31d0": "What is the weighted average remaining lease term in years as of December 31, 2023?", "19225708-178b-41fb-9317-4a8994575f49": "What is the weighted average discount rate for operating leases as of December 31, 2023?", "d7b9124e-2b8f-491f-8582-8c8b50d75dab": "How much are the current and non-current portions of lease liabilities for the year ending December 31, 2023?", "a29dd465-eb8c-4a06-bec5-d53158a5ab75": "What are the total lease payments for operating leases over the next five years?", "30f358a0-bee3-4d78-af15-f17e03c6f6fe": "What is the amount of imputed interest deducted from total lease payments for operating leases?", "c10665f3-7133-48ec-af8b-9a3da5aace6a": "How many leases have been entered into that have not yet commenced as of December 31, 2023, and what is their total value?", "20b29fed-df28-4782-a0a6-cc810a741313": "What is the range of lease terms for the leases that will commence in 2024?", "bd48f19f-052d-4f00-9cbb-c7af9d4b3974": "How does the total operating lease liabilities for 2023 compare to that of 2022?", "163213c6-62d0-4250-846c-1469800b85ca": "What were the total accrued liabilities reported as of December 31, 2023?", "5b984cab-cdbe-4ef7-b93d-d909c5731f67": "How much did the accrued compensation and employee benefit costs increase from 2022 to 2023?", "3e4560e0-dc42-4296-92fe-ea0e124567d7": "What is the ending balance of the 737 MAX customer concessions and other considerations liability as of December 31, 2023?", "30f7732e-3ee2-4036-ba88-48ca90363b06": "What amount is expected to be paid in 2024 related to the 737 MAX customer concessions and other considerations?", "decff52c-3565-451a-8a20-3e7ac874be14": "How did the environmental remediation liabilities change from January 1, 2022, to December 31, 2023?", "ff514fa3-ba04-4758-822b-dd64520c336b": "What factors could lead to costs exceeding the recorded environmental remediation liabilities?", "1d9d310a-e86c-4e4d-abcf-9dbb09e83cc9": "What was the beginning balance of the 737 MAX customer concessions and other considerations liability on January 1, 2023?", "c3e2dbf8-beb1-462d-9caf-c96bd633657d": "How much was recorded as the current portion of lease liabilities at the end of 2023?", "551b3ffe-2799-4604-88bb-30e5d749a8b5": "What were the reductions for payments made regarding the 737 MAX customer concessions in 2023?", "69cf96a2-df99-41e7-8115-8055ad6e9ca6": "What is the significance of the $0.1 billion liability balance remaining subject to negotiations with customers as of December 31, 2023?", "05183280-1d5b-459c-a992-9acadab1ef19": "What are the estimated high-end remediation costs that exceeded recorded liabilities as of December 31, 2023 and 2022?", "c60f0892-2d00-4857-83bd-56c359c886bd": "How did the product warranty liabilities change from the beginning to the end of the year for 2023?", "76b6173b-cec9-467b-8d0a-1303761c633e": "What factors are considered when assessing the probability of exercise for commercial aircraft trade-in commitments?", "f9ec2f22-7b8e-49f6-a7f0-ae26d545a857": "What was the total contractual trade-in commitments amount as of December 31, 2023 and 2022?", "247dd9f5-9e63-4e3a-8e8d-ab400ccf52e4": "How much did the company add for current year deliveries in product warranty liabilities for 2023?", "017ef7bf-a4d2-4bfd-a9ab-fedcb45bd342": "What is the significance of the changes in estimates for product warranty liabilities in 2023 compared to 2022?", "a44b660c-2a0d-4269-bdfb-d5bbdc27c8d9": "What are the expiration dates for trade-in commitment agreements as of December 31, 2023?", "fff28023-36bd-40a0-b02c-acdcdf193d0d": "How much was the net amount payable to customers for trade-in commitments as of December 31, 2023 and 2022?", "22e63b69-d432-4db5-b2a2-0d5c7904b395": "What were the recorded reductions for payments made in product warranty liabilities for the years 2023 and 2022?", "ea8e4fba-8395-425c-bfc4-a2f9b9e52716": "How does the company determine the probability that trade-in commitments will be exercised?", "15cadcbf-9e4f-48ff-8b7b-c96f2dff72db": "What was the total amount of financing commitments related to aircraft on order as of December 31, 2023?", "11f61d1e-0367-43e4-a9a0-4f4927b7d835": "How much is the estimated potential funding for financing commitments in 2025?", "3f27ef9e-895b-4bc5-bfa0-e004473c96e5": "What is the total amount of financial commitments for additional capital contributions related to joint ventures over the next nine years?", "0791c6e9-0ae1-47d9-82d4-d58c4db503be": "As of December 31, 2023, what were the contingent liabilities on outstanding letters of credit agreements and surety bonds?", "f53f3165-1cd9-4aee-8543-cfd892f46c8f": "What is the cash surrender value of the Company Owned Life Insurance (COLI) as of December 31, 2023?", "75673256-35ab-4016-b7a5-7c9dfcc2a664": "How much were the total loans associated with the Company Owned Life Insurance (COLI) as of December 31, 2022?", "c23b7bfd-455c-439d-a4cb-9db46b371b28": "What is the duration for which the majority of amounts payable under the supply chain financing programs are due?", "19f5226d-d241-4a89-9dd7-48d6ec49d811": "How much was included in Accounts payable for suppliers participating in the supply chain financing programs as of December 31, 2022?", "50525d03-e547-4e25-8b7c-55299b917380": "What conclusion did the company reach regarding the need for a reserve for future potential losses related to financing commitments?", "e93f80dd-9fd0-4dce-bf4d-59612710b3cb": "What is the total amount of financing commitments as of December 31, 2022?", "64f48e42-8047-4fbe-b2b8-0317d7654488": "What amount of cash grants did the company receive related to operations in South Carolina between 2010 and 2016?", "f6b48749-0dc8-470d-bb03-99238efb38a8": "How is the amortization of cash grants recorded in the company's financial statements?", "a4323121-bdb2-46c7-a6ce-bf55bb5c0dff": "What are the conditions under which the company may face a clawback of tax refunds from the State of Missouri and City of Irving, Texas?", "d75f739d-f315-4bdb-a867-0a424ab54a9d": "What tax benefits are associated with the Industrial Revenue Bonds (IRB) issued by St. Louis County and the city of St. Charles, Missouri?", "3bec698f-c7b3-46fc-90ed-271e1c6bcf69": "How much cash was received by the company in 2023 and 2022 from grants related to operations in Queensland, Australia?", "76582a68-faf0-414c-ae06-75206ece3f20": "What financial risks are associated with the company's fixed-price contracts for the development of new products and services?", "47ffb9b3-0999-4821-aa13-7f9fb768ddfb": "What is the total value of the firm fixed-price contract for the Engineering and Manufacturing Development of the VC-25B Presidential Aircraft?", "3ee63657-e273-4729-aedb-ad907b697b0b": "What amounts were recorded as benefits in cost of sales from cash grants received in 2023 and 2022?", "2be9bfc7-0a91-4d69-ab47-08d7d287908d": "How do the assets and liabilities associated with the IRBs appear on the company's Consolidated Statements of Financial Position?", "879debec-9d66-4b02-92a8-1c0ac329bcec": "What potential outcomes could arise from the U.S. government's audit and review of the company's incurred costs on government contracts?", "edb6223d-2cfe-4274-9558-3c16bc4ddafb": "What was the total reach-forward loss on the KC-46A Tanker program as of December 31, 2023?", "d9ff89ba-8407-4769-92de-2116b74307d3": "How many aircraft are included in the MQ-25 EMD contract awarded by the U.S. Navy?", "1eb668ca-1945-44d7-b43b-816d3f5dfdf8": "What factors contributed to the increase in reach-forward loss for the KC-46A Tanker program during 2023?", "84559ab1-6099-4207-a5e1-fd77892b3477": "What is the contract price for the T-7A Red Hawk EMD contract?", "e49ea614-cbc5-4298-8d1f-96ca6115d0fc": "How much did the reach-forward loss increase for the Commercial Crew program in 2023?", "f8cf816c-e2d6-426a-af46-5648186d597b": "What are the potential termination liabilities to suppliers related to future production lots for the T-7A Red Hawk program as of December 31, 2023?", "daf1d271-b750-4997-a6c2-fa9678ae3d21": "How many annual production lots are included in the KC-46A Tanker contract with the USAF?", "b27b2445-8584-48cb-a4df-77b17ee9385b": "What was the reach-forward loss recognized in the third quarter of 2018 for the MQ-25 program?", "2a4e0b32-74a3-4879-bfad-22a40f2a42de": "What engineering and production challenges contributed to the reach-forward loss for the KC-46A Tanker program?", "0b732592-03d3-49f5-b99e-66f4d35a4236": "When is the first production and support contract option for the T-7A Red Hawk program expected to be exercised?", "3f3b331d-9bd8-4caa-b545-dca20b248145": "What is the planned date for the crewed flight test mentioned in the document?", "a28f8b0d-ee7f-43d3-86f7-15bb04fe5b3c": "As of December 31, 2023, what were the capitalized precontract costs reported?", "97a5efb4-6461-449a-9e95-d488efee7529": "What type of arrangements with off-balance sheet risk does the company engage in?", "a2d25492-87d6-4648-9434-c69e57ce83c1": "How much were the maximum potential payments for contingent repurchase commitments in 2023?", "bc3b20ae-65bf-4a49-add3-73c3484b102b": "What is the typical duration after delivery for the repurchase of sold aircraft under contingent repurchase commitments?", "aa4e9f5a-6b09-4205-9ea3-cb189bbf4532": "What is the estimated expiration timeline for the current outstanding credit guarantees?", "0a90f531-0f09-4a0f-852a-8f61f37034b9": "What type of indemnifications did the company agree to in relation to the sale of Electron Dynamic Devices, Inc.?", "cda4da1e-dc23-4c94-be50-52ca95988b7b": "Why is the company unable to estimate the maximum potential amount of future payments under the indemnifications?", "60d84aab-aa4a-4070-9dc0-4eda5cec6953": "What is the carrying amount of liabilities for credit guarantees as of December 31, 2023?", "3a8fb0d4-c019-4297-91e1-db083bd48dc0": "How does the company assess the fair value of aircraft at the specified repurchase date in contingent repurchase commitments?", "3b5c671b-5fbc-42fa-b16b-a5b262777cfd": "What is the total amount of the new five-year revolving credit agreement entered into in the third quarter of 2023?", "316c471c-8efc-4b7e-a005-f90d38e08dfa": "When does the 364-day revolving credit agreement expire?", "174911a9-15b3-441a-9441-ad91aef77d1a": "How much total debt was reported as of December 31, 2023?", "214a7069-28bd-48bb-9cfe-91fac5e75265": "What were the interest payments, net of amounts capitalized, for the year ended December 31, 2022?", "8f4357c8-d6fe-4e74-8568-b899f30a476e": "What is the range of interest rates for unsecured debt due through 2026?", "ef7fa7c5-4974-4031-b990-b533f9223549": "How much was the total debt reported for the year ended December 31, 2022?", "53431b66-efe4-4500-9515-118cdf5442d9": "What are the scheduled principal payments for debt and minimum finance lease obligations in 2025?", "a6483585-aad7-4dcd-a923-b670ff9ce603": "How much was available under credit line agreements as of December 31, 2023?", "6b2c0c0e-ab55-451f-a78f-da276117b936": "What is the total amount of finance lease obligations due through 2044?", "4acd9d75-3756-4221-b1cd-e22869ca8624": "What were the interest incurred amounts for the years ended December 31, 2021, 2022, and 2023?", "797433ca-845c-49c5-91b0-27a9888ae57a": "What types of retirement plans are mentioned in the document, and how do they differ from each other?", "c99cd49d-6e4d-42b3-8297-afdde902b186": "How are the pension assets funded according to the document?", "b8b9ec4e-4641-4e69-886a-5e4ba21b36cd": "What is the primary purpose of the trusts used to fund the major pension plans?", "c4240dae-ba83-4560-88fa-b338a3a57ddb": "What are the key components of net periodic benefit income/cost for pensions and other postretirement benefits as outlined in the document?", "f3e983b6-c560-433a-aacc-5364bdf7866e": "How is the funded status of the plans measured in the document?", "8e06a151-4232-483a-9afd-4b42f789ea90": "What specific health care coverage is provided to retirees, and until what age is it primarily offered?", "2183de18-0ff6-42e7-bdbc-4438a479b531": "How does the document describe the treatment of overfunded and underfunded plans in the financial statements?", "7c18a13e-7e93-4239-b827-2918a2618723": "What was the net periodic benefit income/cost for pensions in 2023, as stated in the document?", "a5e0b2b6-1b06-4ef8-addf-144891193ddb": "What changes in benefit obligations and plan assets are reflected in the tables for the years ended December 31, 2023, and 2022?", "3377e383-c36d-4d87-92ce-e18103943afb": "Which employee groups are mentioned as receiving lifetime health care coverage, according to the document?", "d867c4bb-c8df-419c-a0a7-85cee3f00fa4": "What was the beginning balance of the pension benefit obligation in 2023?", "0de55c63-2a07-46c5-95af-a7c880dac792": "How much did the actual return on plan assets change from 2022 to 2023?", "cf4edc6c-6dfa-421e-8f3f-152860d5b783": "What is the net amount recognized for the pension plan liability in 2023?", "9c9f8912-ed88-4dea-881a-54d343883abe": "What adjustments were made to the ending balance of the other postretirement benefits due to exchange rate fluctuations in 2023?", "4419ac52-b705-4f52-994b-c528407ad331": "How much did the service cost for the pension plan decrease from 2022 to 2023?", "35e08947-3ee3-4f59-9f42-0cdb1e6c2209": "What was the total recognized in Accumulated Other Comprehensive Loss (AOCI) for pension benefits in 2023?", "d10b279d-022c-46e4-9c45-c7bc84613ba6": "What are the accrued liabilities for other postretirement benefits at the end of 2023?", "5b13c532-971c-4ad3-9d2f-894659e15c14": "How did the gross benefits paid for the pension plan change from 2022 to 2023?", "2034a44e-c5d4-468e-b1d1-793d9c5fd380": "What was the impact of actuarial losses on the pension benefit obligation in 2023?", "8392bde5-90d6-4c9d-a47e-51fef31ba5fb": "How much did the prior service credits for other postretirement benefits decrease from 2022 to 2023?", "05ca790c-cf64-47a0-85a5-8f3a44d421fd": "What was the accumulated benefit obligation (ABO) for all pension plans as of December 31, 2023?", "c67a792b-506d-4fa9-8df9-64ef76dcef05": "How does the projected benefit obligation (PBO) for 2023 compare to that of 2022?", "9f7e9640-2723-48fb-a46f-ebb34177be77": "What discount rate was used for pension plans as of December 31, 2023?", "8241c39b-5d6f-47b7-a6b2-94c3fcbcbec0": "What is the expected return on plan assets for the pension fund in 2023?", "4b90464e-cad2-4c96-b136-1ccbf8aadab7": "What was the fair value of plan assets for the pension plans as of December 31, 2022?", "b6d00dcd-8cf8-40f0-a3e6-0c4c89bccaaf": "What are the assumed health care cost trend rates for the year 2023?", "f73fee45-c58e-4810-8c68-52b4c14ce2cd": "How is the discount rate for each pension plan determined according to the document?", "e8b79e30-4fac-4dc3-80b6-564daf728aa6": "What is the significance of the market-related value of plan assets (MRVA) mentioned in the document?", "47bb23aa-f217-4d0e-b613-9758912a25e7": "In what year is the health care cost trend rate expected to reach its ultimate rate according to the provided information?", "146186da-246c-4061-b22c-b02030ae2897": "What assumptions are made regarding the rate of compensation increase for the pension plans in 2023?", "9baab62b-eb2e-437e-a63b-2656b5783b90": "What is the overall objective of the pension assets as described in the document?", "22e0d8f2-9550-4e33-ab5b-4bba38e8547a": "How does the investment strategy aim to manage the volatility of pension assets relative to pension liabilities?", "098731e5-3ffd-434f-9464-2c64a735d178": "What specific changes were made to the target allocations for risk assets during the 2023 strategy review?", "69fb5b97-d23b-4f7e-a31c-37b34a5f206e": "What types of securities are included in the fixed income investments of the pension assets?", "f471f7b0-b9fa-4a7c-af34-3b90a7246c21": "How are global equity securities diversified according to the investment strategy?", "f66a7e18-ac57-497e-850b-95829ebd07d6": "What types of investments are classified under private equity in the pension asset allocation?", "cf2c182d-33e2-43b3-9b0e-eba37b9b90f3": "Describe the types of real estate and real assets included in the pension fund's investment strategy.", "f7c268ad-4bdc-4c19-af38-87c5454babdf": "What are the different hedge fund strategy types mentioned in the document?", "1cd08f02-871d-49b8-b850-f330bc03a6fd": "How frequently is the asset allocation monitored and rebalanced according to the investment strategy?", "c9973143-f4a2-4b6d-a611-ce80ef4e060a": "What role do investment managers play in the management of the pension assets, and what are they authorized to use?", "b3d28f8f-0e36-4c95-a817-24f73e398134": "What percentage of total pension assets were represented by derivative net notional amounts for fixed income as of December 31, 2023?", "917fcc90-6bfd-47cc-ab26-d566b92cb93e": "What types of derivatives are mentioned in the document, and what purposes do they serve in managing pension assets?", "b523f20b-ce98-4a0b-94d1-d2d7b4cec0e1": "How much common stock did the Company elect to contribute to the pension fund in November 2020?", "ca54ff0f-0606-4641-8938-ef921930b738": "What are the key risks associated with managing pension assets as outlined in the document?", "b3e690cd-2241-4d8e-b753-e09780bf1de8": "What is the significance of liability matching and asset class diversification in the risk management approach described?", "8d681166-a31c-4a25-b304-8b0344fb1f6b": "How are investment manager guidelines for publicly traded assets monitored according to the document?", "6032ec74-eb7a-4232-8daf-cd85722008c4": "What are the three levels of the fair value hierarchy used to measure plan assets, and what distinguishes each level?", "0b254d55-f6ad-47f3-9cb0-a649a5f82bc6": "As of December 31, 2022, how much of the Company's common stock was included in the plan assets before liquidation in 2023?", "bbf4be2f-a184-4bba-97c1-b3a885ee7c2f": "What procedures govern the valuation of plan assets as mentioned in the document?", "de9eaefb-4c97-497f-aa01-251fc36fe186": "What types of risks are included in the overall risk management strategy for pension assets?", "44f427db-c29b-45be-8e81-d55a1541f9a8": "What are the total fixed income securities reported for December 31, 2023, and December 31, 2022?", "9aad678f-fbeb-4c3d-810b-df3eed942f16": "How much is invested in U.S. common and preferred stock as of December 31, 2023?", "978469b2-5d50-4966-ae2e-9be40528dc8c": "What is the total amount of liabilities for derivatives as of December 31, 2023?", "66ecf49a-cebd-463e-b70d-44d684c649e8": "Which category of fixed income securities has the highest value on December 31, 2023?", "10f2448c-df97-4c7c-8e67-f383c580f11b": "What is the value of cash equivalents and other short-term investments reported for December 31, 2022?", "00a1a494-e4d1-416b-aef0-a7dfd6a71aa0": "How much did private equity investments change from December 31, 2022, to December 31, 2023?", "dff16f92-9d87-449d-8de8-9e5f75792c3c": "What approach is primarily used to value fixed income securities according to the document?", "aa0c7d2a-afef-4297-a1b4-35e95d5d3fd6": "What is the total amount of receivables reported as of December 31, 2023?", "9fcc9b7a-b108-477c-998e-7cb60e05850e": "How does the total investments measured at NAV as a practical expedient compare between December 31, 2023, and December 31, 2022?", "ba258b0b-fadb-4954-b72f-d317d370a7df": "What is the value of municipal fixed income securities as of December 31, 2023?", "b0102302-10f2-420b-990d-03f8497e3b38": "What types of inputs are used in developing fair value estimates according to the document?", "5dfd1bf9-c712-4301-b5c0-2c857228f43d": "How are common/collective/pooled funds valued, and what liquidity options do they typically offer?", "350fcf40-c8dc-4bf4-81f3-8459cd370be0": "What valuation approach is primarily used for over-the-counter derivatives mentioned in the document?", "f8d21617-aedc-40bd-9efa-b903e548c1c0": "How are cash equivalents and short-term investments valued when market prices are unavailable?", "e8ab2ac9-3bc6-4b3d-8008-f250a76a8661": "What factors are considered in the NAV valuations of private equity and private debt investments?", "75d88c69-c87d-4a04-9a0a-edafad11698b": "How are real estate and real asset NAVs determined according to the document?", "3a03c631-fd40-4375-8a2d-8f0a8523819d": "What methodology is generally applied to hedge fund NAV valuations?", "b5ef255e-adcf-40c9-a02b-ebbcf6201e48": "Who is primarily responsible for calculating and reporting investments in private equity, private debt, real estate, and hedge funds?", "6650ae24-9bfe-42ac-be3f-dbad2c83b670": "How are exchange-traded derivative positions reported in relation to daily variation margin?", "27ebb37f-b520-48a0-b2d0-d17e5e204f13": "What is the significance of using NAV as a practical expedient for valuing pension assets invested in commingled and LP structures?", "63447b11-5b66-4d2b-9576-309fc173b59d": "What was the total balance of Level 3 assets as of December 31, 2023?", "fd632017-cd12-440e-809c-f20aadeca0bb": "How much did the corporate fixed income securities experience in net realized and unrealized gains for the year ended December 31, 2023?", "8cfbc5b6-4f07-4bd7-8bb6-c1b5acdfc829": "What were the net transfers into and out of Level 3 assets for mortgage backed and asset backed securities during 2023?", "80e2e08a-bc65-442c-b4cc-e6bfcd477463": "What was the change in unrealized gains/losses for municipal fixed income securities still held at December 31, 2022?", "fd53f93a-b837-4e55-b9cd-0aa4665533ad": "How did the balance of Level 3 assets change from January 1, 2022, to December 31, 2022?", "40023090-31b3-4405-9d91-677d1ed33ce1": "What percentage of the OPB plan assets is invested in equities?", "e0fdcd43-59ec-4422-865b-c3b4ae475682": "What is the expected rate of return on the OPB plan assets, and how does it affect the net periodic benefit cost?", "8a72eca3-0767-4f92-b9f6-f454f9700b0f": "What were the net purchases, issuances, and settlements for other fixed income securities during the year ended December 31, 2023?", "d3b76988-b9d8-404b-8f7e-05537d9cc3c7": "How much did the real assets category change in value from January 1, 2023, to December 31, 2023?", "0f4f3f01-7c6f-4699-b0ae-a5bf518d789c": "What was the balance of Level 3 assets for the mortgage backed and asset backed securities as of December 31, 2023?", "c9c160e8-a7b0-43a2-adfe-de7c643dd66c": "What are the expected required pension contributions under ERISA for the year 2024?", "3cf9771e-84e5-408b-be64-f00d33afc415": "How much is projected to be paid in pension benefits in 2024 according to the estimated future benefit payments table?", "8dfdc679-048f-4973-9d84-3676c2ab7849": "What is the total net other postretirement benefits expected to be paid in 2025?", "ef1b6f48-5d23-488c-af16-a463918b6e85": "What conditions must be met for the pension plans to terminate and trigger the use of plan assets for retirement benefits?", "bb3ab98e-eab0-46fd-a56e-baf693b67e93": "How much did the company spend on defined contribution plans in 2023?", "cf215193-d38b-4b59-8110-6e897361f968": "What types of awards are permitted under the 2023 Incentive Stock Plan?", "4f24567f-b4b4-4ceb-9543-063c90b6d81b": "How many shares of stock are authorized for issuance under the 2023 Incentive Stock Plan?", "9a81ad36-ea65-4e9c-99bf-ccfb705b2b3f": "What happens to shares issued from stock option exercises if there are insufficient treasury shares?", "41029485-0543-48a3-96b6-213b05300e3f": "What is the expected total for gross benefits paid for other postretirement benefits in 2026?", "5c05daf3-8605-414a-9ec1-4e52341402ca": "How does the U.S. government claim a fair allocation of plan assets if certain pension plans are terminated?", "2f62f3d6-c3f9-4fe9-9903-eca2be017504": "What are the primary categories included in the share-based plans expense as mentioned in the document?", "68b2286c-aeb5-47b4-b0ea-8376c74e8d2a": "How much was the share-based plans expense for the year ended December 31, 2023?", "8dad8316-16c2-411a-8f7e-a11c6666b7e0": "What is the income tax benefit associated with share-based plans for the year ended December 31, 2022?", "93a23b6f-ce42-4ffa-b283-07d2f0078737": "What conditions allow an executive to receive stock options after termination of employment?", "9c5c876c-d4bb-4641-a817-dd3822c36061": "What method was used to estimate the fair values of the stock options granted?", "18787a55-7fdc-4257-adaa-1086071bb968": "What was the exercise price of the premium-priced stock options granted on February 16, 2022?", "47c3d99b-7bc3-4c6a-8da9-a66d7ff5b062": "How many stock options were granted to executives in 2021, and what was the exercise price for the majority of those options?", "a41df619-5b8c-4818-8971-040aee636fb0": "What was the expected life of the stock options granted in 2022?", "c3e39a77-b9d8-4fa6-a75e-4ed07b86233d": "What was the risk-free interest rate used in the Monte-Carlo simulation model for the stock options granted in 2021?", "0c3b6cf2-7dc8-4699-8f2f-3e68c297cd82": "When did the stock options granted through January 2014 fully vest?", "4bc403f3-a440-49a2-93c2-c314377c000e": "What was the total number of shares under option outstanding at the beginning of the year ended December 31, 2023?", "169d0bf9-5b03-4983-8b47-4fd9acdfc48f": "What was the weighted average exercise price per option for shares exercised during the year ended December 31, 2023?", "041643d3-493c-4313-8cf6-2d3055af6c3e": "How many restricted stock units (RSUs) were granted to executives in February 2023 as part of the long-term incentive program?", "3400942e-a7fe-4db2-babc-c9db9212b322": "What is the aggregate intrinsic value of options outstanding at the end of the year ended December 31, 2023?", "54748e91-4ec0-4ab0-ae03-d5fff3545ff5": "What is the expected weighted average period over which the total unrecognized compensation cost related to options will be recognized?", "3ebd81ce-682d-4494-ba03-69532f082523": "What conditions must be met for an executive to receive their RSUs if they terminate employment due to retirement, layoff, disability, or death?", "e9a0a389-8636-4e4a-9234-6c11a480e81c": "How many RSUs were granted on July 29, 2022, and what was the grant date fair value per unit?", "6aa5913a-5a6b-4e47-80c3-5ba8ff3e88b1": "What was the total intrinsic value of options exercised during the year ended December 31, 2022?", "1c46f85a-7a19-4f5b-9639-37523ac58023": "How many shares were forfeited during the year ended December 31, 2023, and what was the weighted average exercise price for those options?", "ea930e83-525a-447a-9e31-8539a571e22f": "What is the fair value estimation method used for all RSUs granted under the long-term incentive programs?", "2fc6ac38-c5bf-4c91-b678-bc1630efe2e4": "What was the total number of outstanding units for the Executive Long-Term Incentive Program at the end of the year 2023?", "448d01d1-7184-47f2-ad32-d0468aaa39b0": "How many performance restricted stock units (PRSU) were granted to executive officers on February 16, 2023?", "34ca2eda-efae-436d-bd62-4aaa9d0f7ee1": "What is the grant date fair value per unit for the PRSUs granted in 2023?", "6f09dec8-0c4f-47a3-9275-c12b534640c2": "What performance metric is used to determine the payout of the PRSUs granted to executive officers?", "6c9ceba0-37c4-4ec1-8d91-1c053a34316d": "What is the maximum percentage payout for the Performance-Based Restricted Stock Units (PBRSUs) based on total shareholder return (TSR)?", "145b9cd1-f23d-4f10-8c99-9f3d72bea2c4": "How many shares were purchased under the Employee Stock Purchase Plan during the year ended December 31, 2023?", "9cbf6844-fbfd-4da4-80e9-677539ce283a": "What percentage of the fair market value can eligible employees purchase Boeing stock for under the Employee Stock Purchase Plan?", "9e2e8f97-300c-466a-a7d1-9f7fbf44d333": "What was the unrecognized compensation cost for the Performance Restricted Stock Units (PRSU) at the end of 2023?", "a938e609-98e9-4fdc-ae42-5c44cd748ce6": "What happens to the PRSUs if an executive terminates employment due to retirement, layoff, disability, or death?", "47d91b12-c908-4fa0-ae42-79b3e770ec17": "How many shares are authorized for issuance under the Employee Stock Purchase Plan?", "a6d73efb-1501-4b4d-8ce0-73ceb878ee95": "What was the total expense related to deferred compensation for the year 2023?", "66192280-2ae4-46fc-818d-576d854cc96a": "How many shares of preferred stock are authorized as of December 31, 2023?", "9cb5ed93-56d9-42a7-8b35-00efa476b959": "What was the deferred compensation liability marked to market as of December 31, 2022?", "a422d513-ff76-4aa1-820f-165b59cd0d73": "How many investment funds can participants diversify their amounts among, including a Boeing stock unit account?", "ea1c79ed-4cd2-44d8-83eb-19f502266811": "What was the balance of treasury stock at December 31, 2023?", "6d257370-937e-4236-9642-8d564fed91e0": "How many shares of common stock were issued during the year ended December 31, 2022?", "13fe4f35-2137-4779-b669-138abf20b727": "What is the change in additional paid-in capital for the year ended December 31, 2023?", "9f5fdd63-6613-4226-89da-45b54c3d0a5a": "What was the balance of common stock at January 1, 2021?", "096acd14-59ce-42ec-8ca9-3ab57b2c1a20": "How many shares of common stock were acquired during the year ended December 31, 2021?", "f75e43b6-d055-478d-a642-c588da204f41": "What was the total deferred compensation expense for the years 2021 and 2022 combined?", "9b6927bd-8def-4d1d-b7e6-e836920d28ff": "What was the total balance of Accumulated Other Comprehensive Loss at December 31, 2023?", "e8eb4f28-e426-4f86-acc3-4f68e5ad52ff": "How did the Other Comprehensive Income/Loss before reclassifications change from 2022 to 2023?", "df44fdfd-4c87-445b-9b41-a40a50d40f9f": "What components contributed to the Accumulated Other Comprehensive Loss for the year ended December 31, 2021?", "c67573fe-c994-4330-ae1f-58d41dcb557b": "What were the amounts reclassified from AOCI for the year ended December 31, 2022, primarily related to?", "b5c5f48a-8f08-417b-82b1-db1d6fbc6f02": "What is the significance of the actuarial (loss)/gain mentioned in the document for the years ended December 31, 2023, 2022, and 2021?", "3cb4a9df-d154-496e-9778-1d491288f262": "Which financial instruments are included in the company's cash flow hedges?", "abfd26e3-cdd4-4c9d-ac00-c0b804887e96": "What was the net current period Other Comprehensive Income/Loss for the year ended December 31, 2023?", "678b8b16-0370-4d9d-931f-d5ae006ce6fe": "How do the amounts reclassified from AOCI for the year ended December 31, 2023, relate to net periodic pension cost?", "06033259-56f8-4381-a39d-15634b563e4f": "What types of risks do the foreign currency forward contracts aim to manage according to the document?", "742bb970-b221-44db-ac38-0298fae4ed05": "What were the unrealized gains and losses on derivative instruments as of December 31, 2023?", "1fbfd31d-4a0d-4727-8684-a99e90ae053d": "What types of derivative instruments are mentioned in the document that do not receive hedge accounting treatment?", "c847fb94-72f9-4515-8e40-eb76f9bb7e2c": "As of December 31, 2023, what is the notional amount of foreign exchange contracts designated as hedging instruments?", "a08a03ec-d4f8-4429-bb13-6c226a9b1f0c": "How did the gains associated with foreign exchange contracts recognized in Other Comprehensive Income change from 2022 to 2023?", "e77645cc-17d7-4d11-8c9e-e6f0580dfa08": "What are the accrued liabilities for commodity contracts not receiving hedge accounting treatment in 2023?", "a194ece3-207b-4f2f-bc7d-c58cf53d48f0": "What was the net recorded balance of derivatives as of December 31, 2023?", "1ec01821-4cd8-4b58-9c3c-07936697021a": "How do the notional amounts of commodity contracts designated as hedging instruments compare between 2022 and 2023?", "d2c8f1f0-2dc6-46c7-9c99-6cdd1e811bb5": "What was the total notional amount of derivatives reported in the Consolidated Statements of Financial Position for the year 2022?", "769d28fa-f2bb-41c9-a8fa-ffbcaf93d978": "In the years ended December 31, 2021, what was the recognized loss in Other Comprehensive Income for commodity contracts?", "788f2f3f-c24c-4d5b-9966-7aab73ad40aa": "What is the impact of netting arrangements on the net recorded balance of derivatives in 2023?", "6859806a-4f04-45b3-9bf4-3a4d7dc02d7f": "How much was reclassified from AOCI to earnings for foreign exchange contracts in costs and expenses for the year 2023?", "537889a5-6244-4199-949d-f165f1f21a97": "What amount was reclassified from AOCI to Other income, net due to cash flow hedges during the twelve months ended December 31, 2022?", "32e93525-bc6c-4f95-ad34-d6f8b4eeb9d2": "How much in pre-tax losses is expected to be reclassified out of AOCI into earnings in the next 12 months?", "14930ae0-9d81-4894-94f1-0009d14308e6": "What is the fair value of derivative instruments with credit-risk-related contingent features as of December 31, 2023?", "79174c20-f89e-476c-a210-c0b753011df2": "What are the three levels of the fair value hierarchy used to categorize assets and liabilities?", "75aaff10-6cbc-4bd5-a1ad-dcc04d64fa2b": "How are money market funds and available-for-sale debt investments valued according to the document?", "f212f73b-09ad-4dc4-b8f4-79952b3b5aac": "What was the total value of assets measured at fair value on a recurring basis as of December 31, 2023?", "404c14fa-73eb-4250-9394-f346d7f1268f": "What type of contracts could require collateral based on credit ratings, as mentioned in the document?", "dc9629ec-577a-4ce1-a456-46763602ee15": "What was the net liability position for derivative contracts at December 31, 2023?", "0a3ffc53-1400-46fb-b3a4-79c907dba630": "How are foreign currency forward contracts valued according to the income approach described in the document?", "3b09041b-605e-4153-89e1-7dffb5a3f699": "What were the total liabilities related to derivatives as of December 31, 2022?", "0493e314-d69b-49a0-a3be-6de235c306d5": "What types of assets were measured at fair value on a nonrecurring basis in the document?", "d3d283ee-0649-48ad-b745-57b237d14c48": "How much total loss was recognized for long-lived asset impairment in 2023?", "087ce631-e4fe-4ef8-8392-557b61ed9a7e": "What approach was primarily used to value Investments, Property, Plant, and Equipment?", "95f6175f-7108-4949-838b-6294b5a0daba": "What is the fair value of operating lease equipment as of December 31, 2023?", "e188c051-1700-45b7-9bcf-7db7da714639": "How does management assess the appropriateness of third-party aircraft value publications?", "9095c8b7-1127-407e-b95f-af211227007f": "What were the total fair values of notes receivable, net, for the years ended December 31, 2022, and 2023?", "01d4a00f-01e4-4727-bf6f-75e1a441594a": "What adjustments might be made to the fair value of aircraft or equipment based on specific attributes?", "dfc0b388-7f2e-4795-9b36-618485c844f2": "What was the total loss recognized for Other Assets in 2022?", "342452d1-8aad-4de7-80a8-58a03d5ecae1": "How are the fair values of financial instruments categorized in terms of Levels 1, 2, and 3?", "1336683c-d6e1-47af-9f59-27d01eda53f6": "What was the carrying amount of debt, excluding finance lease obligations, as of December 31, 2023?", "e38a2a34-fa4d-480b-a93a-0c092733fa73": "How is the fair value of notes receivable estimated according to the document?", "efacd3b2-1ac7-4e51-9b07-2219d1fae0cf": "What classification is given to the fair value of debt traded in the secondary market?", "d82dfe08-559f-4fa3-a228-e0c0a34b4115": "What challenges are mentioned regarding the estimation of fair value for off-balance sheet financial instruments?", "86fc9621-f3ca-48b8-9fa2-fac7dcd473d5": "What legal proceedings are currently pending against the company as mentioned in the document?", "448d8456-9a91-46ea-bfb4-c81113f85c3d": "What was the outcome of the Deferred Prosecution Agreement (DPA) with the U.S. Department of Justice?", "05edb26d-e7f0-4dd1-9951-a3e1710d0968": "What joint venture agreements were established with Embraer S.A., and what issue arose from these agreements?", "db232aab-8f53-4ac9-b184-6cc063dbc12c": "How has the Boeing Customer Financing team been realigned in the first quarter of 2023?", "2c47f44b-8cd5-47c5-ad6e-f30503cd2964": "What is the significance of the three-year reporting period mentioned in the DPA?", "8c5aa6f8-c3d3-4585-9c69-434f8827b5b3": "What types of claims could arise from the various legal inquiries and investigations mentioned in the document?", "3c3262be-e052-40d3-887c-9c60a148b54e": "How do the carrying values of cash and other financial items relate to their fair value as of December 31, 2023, and 2022?", "0a15b132-3fa8-4dd2-a588-32e4397f236c": "What are the three reportable segments mentioned in the document, and what does each segment primarily focus on?", "ed16c01b-dc59-4bfe-81fa-3da6ee843f51": "How is revenue recognized for commercial aircraft contracts in the BCA segment?", "7e9df1f5-b8ca-4551-8a59-7b41085059a8": "What types of products and services does the BDS segment engage in, and how is its revenue generally recognized?", "29b02a78-6212-4f2c-bffa-ccb425899880": "What is the total revenue reported for non-U.S. operations in 2023, and how does it compare to the previous two years?", "44360a62-e9ba-4e14-bda1-9144fc265b42": "What percentage of consolidated revenues did U.S. government sales represent in 2023, and how has this percentage changed from 2021?", "86cab03b-4b96-4678-a6fd-59d5d05cc3b9": "In which geographic regions are the principal operations of the company located, and where are some key suppliers and subcontractors based?", "e736fc5c-226a-43ca-b261-33233eb7b7a4": "How is revenue recognized for commercial spare parts contracts in the BGS segment?", "314d05e9-7cbe-4ad9-8712-70e365843ef1": "What was the revenue from the Asia region for the year ended December 31, 2023?", "5d66f999-71a6-4b66-9ce4-0766eeb07e2e": "How does the document describe the method of revenue recognition for BGS segment contracts that are not related to spare parts?", "e5bbbaa6-ef11-4c34-9e3b-fe12ae47787e": "What were the total revenues reported for the years 2021, 2022, and 2023, and what trend can be observed from these figures?", "c86ae2f8-59ca-4c41-b546-9171b1d890e8": "What was the total revenue from contracts with customers for BCA in 2023?", "830d008d-57b5-4ee4-9411-1df5c70f93a3": "How much revenue did BCA generate from non-U.S. customers in 2022?", "9e4c7c79-a048-455b-98ee-c34aed490880": "What percentage of revenue was recognized on fixed-price contracts for BCA in 2023?", "971bfb1f-64aa-40aa-a492-d2c3a1aae493": "What was the revenue from U.S. customers for BDS in 2021?", "d7eefa7d-5b6b-47b0-9a97-0be96a52a4b3": "How did the total segment revenues for BCA change from 2022 to 2023?", "e8923e66-2778-4d3a-b388-d10fa79c691a": "What was the estimated potential concessions and other considerations to 737 MAX customers in 2023?", "b98c3139-d526-4f5a-be68-f67df6ec060c": "What percentage of BDS revenue was recognized over time in 2022?", "e8abe69f-a6c3-476c-bad9-61d5927ee883": "How much revenue did BDS generate from non-U.S. customers in 2023 compared to 2022?", "2630adfc-8263-4757-b38a-740a0e48bf85": "What was the total revenue from contracts with customers for BCA in 2021?", "7068de70-b13f-46a0-a1b2-65d6947ddbeb": "What percentage of revenue from BDS was derived from the U.S. government in 2023?", "d59df333-1bea-4dd8-a4ca-c36d9807eff5": "What were the total revenues from contracts with customers for BGS in the year ended December 31, 2023?", "2e35c20e-46cd-4fa2-b7af-2eb92090fc60": "How much did BGS earn from equity method investments in 2022?", "85df6ee9-fdf3-41a7-aad3-af6af567b24d": "What percentage of revenue was recognized at a point in time for BGS in 2023?", "c4f968cc-4f66-4a30-844d-8e5ebddc8d09": "What is the total backlog value for BGS as of December 31, 2023?", "38f5774d-3056-44f1-a9f5-90769227f608": "What percentage of BGS's backlog is expected to be converted to revenue through 2024?", "ff7c816b-bce5-4869-9c73-55a416499d53": "How did the revenue from government contracts change from 2021 to 2023?", "2be2dde9-9468-4ae9-870a-2ac79f5c8650": "What was the primary driver of earnings in equity method investments for BGS in 2022?", "3494d541-196e-45ea-abcc-f0f969f6a4f1": "What percentage of BGS's revenue was recognized on fixed-price contracts in 2021?", "7b16782d-7b9e-4c76-8981-862d1059e344": "How much intersegment revenue was eliminated on consolidation in 2023?", "a7d2a3af-f4f5-43b9-bc88-9157094e1ed4": "What factors contribute to the uncertainty regarding the timing of backlog conversion into revenue for BGS?", "5295f87d-c385-4bb3-8310-bbf50c5aa5db": "What are the main components included in the \"Unallocated items, eliminations and other\" section for the years ended December 31, 2023, 2022, and 2021?", "60b793fc-1bb2-4c8d-9bef-c70c85f3a9d1": "How does Boeing allocate costs to its business segments according to the document?", "27d82dc3-d92a-4a67-850a-031ef2ab221e": "What was the total amount for \"Unallocated items, eliminations and other\" for the year ended December 31, 2023?", "4a161ca8-804d-4694-8dc5-5ef7bbf35ca7": "What are the differences between the accounting conventions used for pension costs under CAS and GAAP as mentioned in the document?", "616b7421-6dd1-490a-8e2c-f987e8ec38a5": "How did the \"Research and development expense, net\" change from 2021 to 2023?", "1cc20b38-b21d-45e6-9d4d-087a08c1bf80": "What is the significance of the FAS/CAS service cost adjustment in relation to Boeing's pension and postretirement benefit expenses?", "e2599adf-e676-4b7a-a3ee-9aecb116d4ab": "What were the values for \"Pension FAS/CAS service cost adjustment\" for the years ended December 31, 2021, 2022, and 2023?", "fc65fad4-fe22-447b-b71a-cd767e931c00": "How do the components of \"Non-operating pension and postretirement expenses\" relate to the overall financial reporting of Boeing?", "56bd7155-cf8b-40c2-a115-72c76f09d8ce": "What trend can be observed in the \"Eliminations and other unallocated items\" from 2021 to 2023?", "de5bc524-0c19-498f-8530-b8ea5947d2b6": "What are the implications of the deferred compensation figures for the years ended December 31, 2021, 2022, and 2023?", "a6d52c9a-f992-46e6-8c94-08ef7694a061": "What were the total assets reported for the company on December 31, 2023, and how did they compare to the previous year?", "3e091958-c490-47e5-890a-77b38002e557": "How much did the Commercial Airplanes segment spend on capital expenditures in 2023?", "adbc63d2-6680-451f-b9cc-7f11a7df77d0": "What is included in the category of \"Unallocated items, eliminations and other\" in the assets summary?", "ef34eee8-2b13-4f30-95ef-cc3508870741": "What was the depreciation and amortization expense for the Global Services segment in 2022?", "7ee28e62-d09d-4c24-a97c-1575ff20466b": "How did the capital expenditures for Unallocated items change from 2021 to 2023?", "93148011-1227-4da3-afd7-11692745a89d": "What incident occurred on January 5, 2024, involving an Alaska Airlines 737-9 flight?", "21b77abc-ad27-4e15-80ae-6634fcc426d3": "What action did the Federal Aviation Administration (FAA) take following the emergency landing of the Alaska Airlines flight?", "b0f56f8c-e44e-4ae2-b73d-8508280272f5": "How much depreciation and amortization was included in the primary business segments for 2023, and how was it distributed among the segments?", "153f7ea8-3e04-4d8f-8fd2-339f7ef0c96e": "What was the total capital expenditure for the Defense, Space & Security segment in 2023 compared to 2022?", "a61679e4-3f86-4b16-b15f-03685db2a932": "How many 737-9 aircraft were affected by the FAA's grounding and inspection requirement?", "d37f70db-1ee2-4b09-9b5d-59d6b9951956": "What specific aircraft model is mentioned in the document regarding enhanced maintenance and inspection processes?", "a28e3786-78a9-4504-bf3a-1aa0c1da1fc7": "When did the FAA notify Boeing about the initiation of an investigation into its quality control system?", "9f1cff4a-6adf-4503-8cb8-4f1af5b040b0": "What actions has the FAA taken concerning the production rate of the 737 MAX?", "5a38453c-2ad7-4a0b-b324-7c3baa385b47": "What is the status of 737-9 aircraft in terms of inspections and revenue flights as mentioned in the document?", "e5f16ece-a285-4403-b6d2-f1820cf5d929": "How has the FAA's investigation impacted Boeing's production plans for the 737 MAX?", "5e6683ff-b2cc-43af-bf7e-d78d55a89e02": "What is Boeing currently unable to estimate regarding the accident and related FAA actions?", "3eeca6ab-4ed2-4817-be09-7eda93f30831": "What must all 737-9 aircraft in production undergo prior to delivery according to the document?", "bdcc27be-b6c0-4716-9533-c78f4c15a023": "What date did the FAA express its concerns about Boeing's compliance with quality control procedures?", "607fc29c-e48c-451c-8f18-bb71523587af": "What implications does the FAA's investigation have on Boeing's financial position and operations?", "03f8e63e-c5e6-4a13-a9c8-bc25d061e756": "How are 737-9 operators responding to the enhanced inspection process mentioned in the document?", "269b597e-6b8f-4f54-afc1-244c98129666": "What is the date of the financial statements audited for The Boeing Company as mentioned in the report?", "c180a042-901e-4f7c-88aa-426f2e19d53e": "Who is responsible for the financial statements of The Boeing Company according to the document?", "2e1f9521-15fa-4135-a3c3-34a9458ab3ba": "What opinion did the independent registered public accounting firm express regarding the financial statements of The Boeing Company?", "149ae7ad-ed43-4085-94a1-badc0bcb40ff": "Which framework was used to evaluate the Company's internal control over financial reporting?", "753562ce-fc1d-428c-8875-4a2d5eaca053": "What is the role of the Public Company Accounting Oversight Board (PCAOB) in relation to the audit mentioned in the document?", "63acab2d-4a3f-48d2-a9c1-e72d4ec7acb8": "How many years of financial operations are covered in the audit report for The Boeing Company?", "e3e03b26-032a-401e-8a0d-a260f6d9c79b": "What type of opinion was expressed on the Company's internal control over financial reporting as of December 31, 2023?", "7aa63bb4-5722-4959-88fb-d342db6beb7f": "What are the two main types of misstatements that the audit procedures aimed to assess?", "ed7fbfed-834e-48d7-a5cf-44747e11ff02": "What criteria were used to establish the internal control evaluation mentioned in the report?", "c77866f2-4c7a-460b-b8e5-c97588add122": "What is the significance of the independent registered public accounting firm's independence in relation to the audit of The Boeing Company?", "3196bc9b-0b2e-42ad-95b2-45a756d0935f": "What are the critical audit matters communicated in the document related to the financial statements?", "ecc30004-e829-4648-93f3-cc674ecd57d4": "How does the Company recognize revenue for long-term contracts according to the document?", "112704d9-5441-4248-97a3-1374ab62eb1a": "What challenges are associated with estimating costs for fixed-price development contracts?", "c13a2a45-597f-4eb7-8020-370905a5307a": "Which specific contracts are mentioned as having operational and technical complexities in the document?", "f8517ad0-f270-4388-bb2a-07c7fa9e5d13": "What audit procedures were performed to address the cost estimates for the KC-46A Tanker and other fixed-price development contracts?", "9bf11fc9-377e-479a-b43a-bd84a035ffb0": "How does the document describe the impact of supply chain and labor disruptions on cost estimates?", "3802d7d3-f685-49a9-9a0b-e546d07a0f80": "What role does management's judgment play in estimating future costs at completion for fixed-price contracts?", "4cf7c925-5de9-43e6-b39f-b93f9f374acf": "How does the document define the relationship between critical audit matters and the overall opinion on the financial statements?", "643c5879-39aa-49d0-9b5f-ec42124d30e4": "What factors did the auditors evaluate to assess the reasonableness of management's key cost and schedule estimates?", "e48a6175-9038-48c1-9a30-97bcfac23e98": "Who did the auditors inquire with to evaluate management's ability to achieve key estimates related to the contracts?", "1ffe16eb-38dd-43a3-a1cb-1b34ffa638b6": "What are the key challenges associated with estimating costs for the 777X program as mentioned in the document?", "f96b1bfb-0175-4ca7-9fa6-9477612d3b0d": "How does the company use program accounting to compute cost of sales and margin for commercial airplanes?", "f0806114-77b9-45ca-88a2-b3905ada7d11": "What specific audit procedures were performed to evaluate the accuracy of management's cost estimates for the 777X program?", "e716b449-a827-47ff-abd6-0910010eab9a": "Why is the estimation of costs related to regulatory requirements considered challenging in the context of the 777X program?", "7448ad4c-8ec6-4d3c-a23e-464dee9a7460": "What role does auditor judgment play in the auditing process for the estimated costs of the 777X program?", "f9c1b828-bbef-457b-9357-9f62267c9ddf": "How does the document describe the relationship between certification delays and estimated costs for the 777X program?", "f5d8b99e-dd48-4952-8d3c-7fb680922cc3": "What methods did management use to develop cost estimates related to regulatory requirements for the 777X program?", "bc947a9d-0a5d-47cb-b477-b24d616bc83c": "What types of internal controls were tested during the audit of the 777X program's cost estimates?", "cdfecb1d-d992-476b-8dbb-38be8a2c0c37": "How did the auditors evaluate the timeline of key events that inform management's cost estimate changes?", "5671887e-e528-49a9-8bca-ac2eadd36a75": "What is the significance of retrospective reviews in assessing the effectiveness of management's estimation process for the 777X program?", "2ce4370a-4364-42b7-bc01-ed97dc38608a": "What was the primary focus of the evaluation conducted regarding communications with regulatory bodies?", "5d719dad-921a-4991-aa3d-1b01606a6ccc": "What specific internal controls were tested in relation to the cost estimates for regulatory requirements?", "2512b6a4-7562-4deb-b908-b4d8674697ae": "How does management's judgment play a role in the development of cost estimates according to the document?", "7e95b6ea-5b99-447d-81b7-ec72da4925d9": "What is the significance of the date January 31, 2024, in the context of the document?", "319c0364-4482-4a1d-ae5d-838a280ee056": "Which firm has served as the Company's auditor since at least 1934?", "b2166247-2942-449e-8406-05ad888105a9": "What aspects of the cost estimates were evaluated for consistency with management\u2019s certification timeline assumptions?", "aaac7cc3-e91d-4aa0-b305-05c66f212356": "What type of data was used in developing the cost estimates mentioned in the document?", "df7fa898-e8fa-4ae6-9d0e-b3e072170484": "How long has Deloitte & Touche LLP been associated with the Company as its auditor?", "ec256290-7725-4411-b1fb-f79f3f1f23f0": "What is the relevance of mathematical extrapolation in the context of the cost estimates discussed?", "e2a538d7-132e-4034-ac6b-c59d96daef6b": "What regulatory environment considerations are mentioned in relation to the cost estimates?", "6b94fdf2-b95e-45eb-bf1b-f62e1bed2437": "What framework was used to assess the internal control over financial reporting for The Boeing Company as of December 31, 2023?", "48108f58-c065-41cb-a08a-75856f62bb37": "Who is responsible for maintaining effective internal control over financial reporting at The Boeing Company?", "815f14b4-5de5-46c5-8b09-adabd9f8312a": "What was the opinion expressed by the independent registered public accounting firm regarding The Boeing Company's internal control over financial reporting?", "faa3c281-72e9-47f4-9ea2-8716bbe37b3b": "What are the three main components of a company's internal control over financial reporting as defined in the document?", "c35e1e2c-3475-4f02-bd92-6d0082a2672c": "What date was the audit report on The Boeing Company's consolidated financial statements issued?", "2ee9cf84-8942-41a6-a7cf-5e1102c0b150": "Which organization issued the criteria used for evaluating internal control over financial reporting in the document?", "ffa6bc0d-debb-4995-8a1e-95c92d7f0a3c": "What is the purpose of a company's internal control over financial reporting according to the document?", "d0b57cac-9f9a-4df7-bb30-2b59b236bbec": "What standards did the independent registered public accounting firm follow while conducting the audit of The Boeing Company's internal control?", "b607aa92-e1bf-422c-827b-60135cf15d97": "What does the term \"material weakness\" refer to in the context of internal control over financial reporting?", "2ca75fd5-adac-4f68-b3d2-7d24bd4328a6": "What limitations are associated with internal control over financial reporting as mentioned in the document?", "afab6525-524d-46dc-b9c9-6f70be77da16": "What are the inherent limitations of internal control over financial reporting mentioned in the document?", "89d7661f-ac90-42cb-8299-e9f5a5808d38": "How might changes in conditions affect the effectiveness of internal controls according to the document?", "f65f2bac-246a-4aff-bd53-1a2b17f026f1": "What risks are associated with projections of the effectiveness of internal controls to future periods?", "7bc692ed-333f-49b3-a2b4-e4cf6e2cdeef": "Who signed the document and what is their affiliation?", "0c732e4a-f26e-4d7f-a4cf-03dd750b4b71": "What date is indicated on the document?", "521211f8-bc11-41b6-bca5-0e23fe9269fe": "In what city is Deloitte & Touche LLP located as per the document?", "3d1d42da-436e-42ba-b10a-a4ec4512371d": "What is the primary focus of the document regarding financial reporting?", "d9ae9073-3cd6-4089-8f83-89bafee53a98": "How does the document suggest that compliance with policies or procedures may change over time?", "8379b7c9-2eda-4821-8e72-49d597781b5b": "What implications does the document suggest regarding the detection of misstatements in financial reporting?", "e90e025f-27ec-419c-9d5b-9b2678dd9cd5": "What is the significance of the statement regarding the potential inadequacy of controls in the document?", "a38d9efe-bd10-40ee-a1a7-630495a8e4a1": "What is the conclusion of the Chief Executive Officer and Chief Financial Officer regarding the effectiveness of disclosure controls and procedures as of December 31, 2023?", "0545909b-a448-4b84-8c2e-acdca22daf7c": "Which framework did management use to evaluate the effectiveness of internal control over financial reporting?", "ee909acd-a4cc-4f17-95d4-f76e7fa36aa7": "Who audited the internal control over financial reporting as of December 31, 2023, and what is the name of the firm?", "ae5346bf-965b-4216-83cf-efef9a24e578": "Were there any changes in internal control over financial reporting during the fourth quarter of 2023 that materially affected the company?", "cecffd8a-0935-49c2-b9b4-95b2cd2a3ba1": "Did any directors or officers adopt, modify, or terminate a \"Rule 10b5-1 trading arrangement\" during the three months ended December 31, 2023?", "e0138ac3-c04b-409a-9e1b-8c92d92fc703": "What is the significance of Item 9A in the context of the document?", "6ed3d301-70f3-488d-88a5-c3517a90e8ea": "What does the term \"internal control over financial reporting\" refer to as defined in Exchange Act Rule 13a-15(f)?", "1d2fedfa-2dba-4b4d-aef9-76d053d7b8e2": "What information is included in Item 9B regarding trading arrangements during the specified period?", "4038ed9f-d1cd-43e2-a219-312abea82c8d": "Is there any disclosure regarding foreign jurisdictions that prevent inspections in the document?", "af0e7962-b909-4bd1-9e02-c7af71344797": "What is the purpose of the evaluation conducted by management concerning disclosure controls and procedures?", "355939c6-0f37-4cbb-af0c-e0638ee64172": "Who is the Chief Communications Officer of Boeing as of January 31, 2024, and when did they assume the role?", "ab9e307f-515b-4e04-bc83-f317776ccf24": "What was Stephen E. Biegun's position before joining Boeing in April 2023?", "44491af7-323d-43f3-aa1a-e11dc0e03d93": "How long did David L. Calhoun serve as the Chief Executive Officer of Nielsen Holdings plc?", "93e26d30-bd63-4b27-8055-5616cb82bad5": "What notable role did Brian R. Besanceney hold at Walmart Inc. prior to joining Boeing?", "037239c1-7794-4393-b2ad-97221a58b6fb": "Which executive officer has experience as a Special Representative for North Korea at the U.S. Department of State?", "4bbf549a-4b94-4723-9804-4ff7a163f402": "What company did David L. Calhoun work for before becoming the President and CEO of Boeing?", "56b83600-663a-4de4-b08f-5eafdd0278d5": "What age is David L. Calhoun as of January 31, 2024?", "2304d2ff-5def-443e-aa22-9bdaf034032e": "Which executive officer has a background in public affairs at The Walt Disney Company?", "e5d198f5-d62d-46c7-8fae-dc723ab50d1d": "What is the principal occupation of Stephen E. Biegun at Boeing?", "a3b139ea-c07e-4281-bdbe-db5bb6477670": "Which company\u2019s board of directors does David L. Calhoun serve on besides Boeing?", "7edf2be1-5bdc-416d-8da3-77cc26cddb22": "Who is the current Chief Executive Officer of Boeing Defense, Space & Security?", "f793a764-d867-41f1-9343-e0813d0229a7": "What was Theodore Colbert III's role before becoming the CEO of Boeing Defense, Space & Security?", "b54154c0-5f5c-43e2-a306-129665939607": "At what age did Michael D\u2019Ambrose become the Chief Human Resources Officer at Boeing?", "fe1ca0e6-0959-4dda-ac19-d4597abf5565": "Which company did Susan Doniz work for as Global Chief Information Officer before joining Boeing?", "c002db8f-95e8-4672-9d1a-3d2513b6acd6": "How long did Stanley A. Deal serve as Executive Vice President and CEO of Boeing Global Services?", "0ad8b230-5b0c-4111-b8a8-9ae54187c305": "What is Brett C. Gerry's position at Boeing as of May 2020?", "d2b26a4b-d7de-4ecc-8988-381141162509": "Which executive has experience as Chief Human Resources Officer at Citigroup and Toys 'R' Us, Inc.?", "74163092-3618-4eef-bea8-94292adac806": "What significant role did Theodore Colbert III hold from April 2016 to October 2019?", "f162507c-2a56-4810-b161-8a6f2642c9c7": "In what year did Michael D\u2019Ambrose join Boeing?", "3538722d-3a75-4dac-a700-d6374651eb3f": "Who served as President of Boeing Japan prior to becoming Chief Legal Officer?", "9f94812e-3f20-4e1c-92f9-f5ed9de6021b": "Who is the Chief Engineer and Executive Vice President of Engineering, Test & Technology at Boeing as of March 2023?", "a01ab292-ac0b-4108-81d9-dbca1e34e62e": "What was Brendan J. Nelson's role before becoming Senior Vice President and President of Boeing International in January 2023?", "e98acdfd-56c8-4702-b868-ad23ae1b10a8": "At what age is Ziad S. Ojakli currently serving as Executive Vice President, Government Operations?", "fc662da9-c728-474a-8c71-549a0a868ec0": "Which position did Stephanie F. Pope hold immediately before becoming Executive Vice President and Chief Operating Officer in January 2024?", "95cabcae-8c53-41ed-bf91-a9ffe4ead440": "How long has D. Christopher Raymond been with Boeing, considering he joined in 1986 and his current position started in January 2024?", "6fbb744f-f122-4840-b098-e40d8e93e04a": "What was Ziad S. Ojakli's position at Ford Motor Company before joining Boeing?", "38440a58-2f58-4123-a4cb-647261fbecf3": "In what year did Stephanie F. Pope join Boeing?", "f74078a3-6e66-468f-9b8e-6567f162a2cd": "What significant role did Brendan J. Nelson hold prior to his position at Boeing International?", "49754265-6f8c-46b4-88fb-f620efa952a7": "Which executive at Boeing has experience as the Chief Sustainability Officer?", "0745e68c-f13e-459c-a32d-dfb89bca2041": "What was the timeline of D. Christopher Raymond's roles leading up to his current position as President and CEO of Boeing Global Services?", "8b13a35b-edae-44b2-9cdc-be776c83f7e2": "Who is the current Executive Vice President and Chief Financial Officer of Boeing, and when did they assume this role?", "9ddd370a-f765-49c6-8cdf-da99d8235fed": "What previous positions did Brian J. West hold before joining Boeing in August 2021?", "665be694-cd56-4eed-9792-6b423f0deb39": "Which company did Brian J. West work for as Chief Financial Officer prior to his role at Boeing?", "7543885c-7e74-4f60-b6ac-53b2cbe86244": "What are the two Codes of Conduct adopted by The Boeing Company?", "0da36b61-51c5-4d94-bd52-260e21a3d8f5": "Where can the Codes of Conduct for Boeing be accessed?", "e02523fb-f118-4798-a9bb-5dc04db3a6f4": "Are there any family relationships among the executive officers, directors, or director nominees at Boeing?", "f66feabf-b829-489e-b46e-aa266eb190f7": "What additional information will be included in the 2024 Proxy Statement regarding executive compensation?", "3958c8eb-f2c4-46a2-a33d-773ea64225c9": "What is the time frame for filing the 2024 Proxy Statement with the SEC?", "6c0c374a-f419-41c4-b2c5-ab7090452902": "What roles did Brian J. West hold at General Electric Company before his tenure at Nielsen Holdings plc?", "c3c7e1ac-db4d-4e4c-bd7c-b99c3d40b913": "What is the significance of the Codes of Conduct mentioned in the document for Boeing's executive team?", "1e010738-e128-4246-8c9c-d3359260b4ab": "What is the total number of shares to be issued upon exercise of outstanding options and units as of December 31, 2023?", "3ed1ba8e-9b3a-444c-a414-478eecde787e": "What is the weighted-average exercise price of the outstanding stock options mentioned in the document?", "a552d489-4902-4bf3-82cc-40dee3cdc933": "How many securities remain available for future issuance under equity compensation plans approved by shareholders?", "9266b9df-218f-4b59-ac1d-11d4681c1f38": "What types of equity compensation plans are mentioned in the document?", "34685e0c-14ae-4cac-b40e-c86ece4772f2": "How many shares are issuable under the employee stock purchase plan as of December 31, 2023?", "c50412c7-1c55-4fb9-a1eb-aacfb916bf83": "What is the maximum number of shares that may be issued upon vesting of Performance Restricted Stock Units?", "ea5e117a-fafc-4371-9989-1467a799b4dd": "How many shares were registered for the 401(k) Plan on February 5, 2021, and how many remained available as of December 31, 2023?", "43001821-8f83-41f4-a869-5dd8cc961097": "What additional information will be included in the 2024 Proxy Statement regarding stock ownership?", "8acf5057-6e3c-4949-9820-355f130a6816": "Which sections of the 2024 Proxy Statement will contain information about related person transactions and director independence?", "ee84f84d-45b3-41a0-bb03-7956373c6be1": "Are there any equity compensation plans not approved by shareholders mentioned in the document? If so, what is the status of those plans?", "5ab9186c-eb7a-4a34-bb30-9bc391d1ba7f": "Who is the independent registered public accounting firm mentioned in the document?", "8c0ef1dc-df08-4053-8639-e23d6f83f718": "What information will be included under the caption \u201cIndependent Auditor Fees\u201d in the 2024 Proxy Statement?", "cfae4a2e-f9ca-4e18-a951-8632fde26002": "What is the PCAOB ID number for Deloitte & Touche LLP?", "dffa9ab8-9e98-4ffb-8a58-f5f76ec1e987": "What financial statements are referenced in Item 15 of the document?", "b8204275-25d7-471c-8d58-05542e18ef82": "Why are all financial statement schedules omitted in this report?", "45903228-1d8a-4269-9178-f022065ec002": "When was the Amended and Restated Certificate of Incorporation of The Boeing Company dated?", "edec303b-da86-4f10-a5ad-73670a0b2547": "What is the effective date of the amended and restated By-Laws of The Boeing Company?", "e0fe36eb-3e61-4d4a-9ccd-542db2f61ead": "Which two banks are mentioned as joint lead arrangers and joint book managers in the credit agreements?", "197659b2-5619-413b-8f4e-528eae4ca110": "What type of credit agreements are listed in the exhibits section of the document?", "723b0983-bfc5-4cc5-ad90-0c8219abb0d7": "What is the date of the Three-Year Credit Agreement mentioned in the document?", "7e66827c-f1d1-40b9-8366-6442f8840b99": "What is the date of the original Five-Year Credit Agreement involving The Boeing Company?", "6104f12d-6f07-4dc5-9754-d35b00241077": "Who are the joint lead arrangers and joint book managers for the Five-Year Credit Agreement dated October 30, 2019?", "0e19fcc0-338b-404f-937e-4a7d8351ecb6": "What significant amendment was made to the Five-Year Credit Agreement on August 25, 2022?", "64496361-8aa5-47e7-aec1-f4a30c60bfde": "Which companies are involved in the Joint Venture Master Agreement dated May 2, 2005?", "1a1275e4-402b-493c-98e5-3600d257733f": "What is the purpose of the Deferred Prosecution Agreement dated January 6, 2021, in relation to The Boeing Company?", "209a59d3-691c-4351-a495-49e27b432778": "When was the Delta Inventory Supply Agreement between United Launch Alliance, L.L.C. and The Boeing Company executed?", "6914609b-26d6-4fc3-a496-be40e6cd89a6": "What changes were made to The Boeing Company Annual Incentive Plan on February 24, 2020?", "b6aaf605-8e1e-4272-ad3a-6496ba300905": "What is the effective date of The Boeing Company 2023 Incentive Stock Plan?", "5339772f-a401-4b9e-92b4-66a0ab010a80": "How does the Supplemental Executive Retirement Plan for Employees of The Boeing Company differ from the Executive Supplemental Savings Plan?", "b4860ec6-e0b6-455f-93d6-0c79ba1b4073": "What is the significance of the amendment made to the 2003 Incentive Stock Plan on December 9, 2021?", "4a5c0899-704f-4029-8b49-7cd9099f7314": "What types of stock options are mentioned in the document for the CEO?", "d6a7cb95-9259-4763-bad8-83f839d640f0": "Which quarter's 10-Q reports are referenced for the forms of non-qualified stock options?", "e215cca4-6f76-4828-869f-a6177263ee75": "What is the purpose of the forms listed in the document?", "5076f601-70a8-4559-a85e-623225a3b4f4": "How many different forms of restricted stock units are mentioned in the document?", "1fcf1a63-8d18-4a64-aa52-0cfdc49d7fc8": "What is the date of the U.S. Notice of Terms of Non-Qualified Premium-Priced Stock Option for CEO?", "fca29dd9-b75d-446f-83fb-19b71a7ec447": "Are there any international forms of restricted stock units included in the document?", "03e3b97c-2f26-4904-b8e9-94bf2881bf40": "What is the significance of the term \"Long-Term Incentive\" in the context of the stock options mentioned?", "0a3c350a-6474-4b91-8363-b14d95a936b6": "Which exhibit number corresponds to the Form of U.S. Notice of Terms of Long-Term Incentive Performance Restricted Stock Units for the CEO?", "ab595d19-bb05-42b7-b62a-4b90edd98721": "What type of stock option is described in Exhibit 10.5 of the Company\u2019s Form 10-Q for the quarter ended March 31, 2022?", "a15cced0-f9bd-4168-91d8-30d3251c5155": "How does the document differentiate between U.S. and International notices of terms for stock options?", "9f5fa101-7dbe-4215-a516-2bae683b6100": "What is the purpose of the Long-Term Incentive Performance Restricted Stock Units mentioned in the document?", "b6f8b24b-d461-411a-8e51-47df34349ea8": "Which exhibit number corresponds to the Form of U.S. Notice of Terms of Long-Term Incentive Restricted Stock Units?", "e7e80853-4fca-4a2b-861f-de9051ab41d6": "What is the date of the Company\u2019s Form 10-Q referenced in the document?", "cfc27ce9-e649-4e7f-b153-12805fe616d9": "How many different forms of Long-Term Incentive Restricted Stock Units are listed in the document?", "951d0530-0373-4d5a-a5ef-69c32758df17": "What distinguishes the International Notice of Terms of Long-Term Incentive Performance Restricted Stock Units from the U.S. version?", "83ed32ef-b07d-4e2e-afd2-44b1c064b8fd": "Which exhibit number is associated with the Form of International Notice of Terms of Long-Term Incentive Restricted Stock Units (Stock-Settled)?", "6eb540cf-f8d8-4c9a-bc14-8c79cb6f09d8": "What type of stock units are discussed in the context of the CEO in the document?", "52748b8b-3dee-4149-afcb-2079a2af3736": "Are the Long-Term Incentive Performance Restricted Stock Units mentioned in the document stock-settled or cash-settled?", "fb0bc3df-76da-45af-bcd0-0dc3cd3aeace": "What is the significance of the quarter ended March 31, 2023, in relation to the exhibits listed?", "1b165117-bbfe-45e9-bbed-c66e9abf4b1d": "Which exhibit number relates to the Form of U.S. Notice of Terms of Long-Term Incentive Performance Restricted Stock Units?", "c2020d82-5a2c-4676-ae66-d32e8f544ac0": "What is the purpose of the U.S. Notice of Terms of Supplemental Restricted Stock Units mentioned in the document?", "f95671cd-211d-4c68-b5cb-cdb1ba2944ce": "Who is the CEO referenced in the Special Restricted Stock Units document dated February 16, 2023?", "d2ac1b52-cd80-4dec-bff5-94dd001d1a44": "Which company's employment agreement is detailed in the document, specifically between Boeing Canada Operations LTD and Susan Doniz?", "74a51599-a90a-4b5b-9185-97d6af11b708": "What certifications are provided by the Chief Executive Officer and Chief Financial Officer under the Sarbanes-Oxley Act of 2002?", "27bbf70b-c763-43d3-b1d8-e91610d4782b": "What is the significance of the Boeing Company Clawback Policy as listed in the document?", "29c7c945-b38b-48b8-9ded-60c585ca9d66": "What type of documents are included in the XBRL Taxonomy Extension section of the document?", "b042046f-0e5a-4906-bfed-4ad23cf23856": "How does the document indicate compliance with Regulation S-K regarding long-term debt instruments?", "55f413f8-5a72-4252-9929-7f4c1a2b080d": "What is the date of the Form 10-K summary mentioned in the document?", "286d0c11-65b9-4f4a-83dc-d6dad762419a": "Which exhibit corresponds to the Company\u2019s Form 10-Q for the quarter ended March 31, 2023?", "401e5d9f-6d07-4254-be93-c742d887b33f": "What type of information is likely contained in the \"List of Company Subsidiaries\" section of the document?", "306d792c-66cc-488e-a83c-685069a1c6e9": "What is the purpose of the document provided in the context?", "d647f3af-c0a2-494c-85fb-5855f5b1a78e": "Who is the registrant mentioned in the document?", "c7097ab3-3919-4a92-822e-711a130a768e": "What date is the report signed on, according to the document?", "286409ec-54e9-4670-893d-4ebb133d2c29": "Who is the individual that signed the document on behalf of The Boeing Company?", "067b5735-c526-4f0d-9bf2-4b3501becafc": "What position does Michael J. Cleary hold at The Boeing Company?", "2ce264c4-31f4-4529-bf2b-8b6c9171fb17": "What legal requirement is referenced in the document regarding the signing of the report?", "3809effb-6136-4b92-992c-361210b25950": "What section of the Securities Exchange Act of 1934 is mentioned in the document?", "47f7ebcb-0cc8-4c37-be94-23a3850e880d": "What does the term \"undersigned\" refer to in the context of this document?", "210d8075-3a04-4b8d-bd87-28039994d786": "What company is the focus of the report described in the document?", "2330d86d-a79e-4d39-8e04-0c6f06afc6bb": "How is the signature of Michael J. Cleary formatted in the document?", "0698128e-36b4-4480-b7e0-4f20797f68f6": "Who is the President and Chief Executive Officer mentioned in the document?", "407fb4c1-2bb8-45df-a34a-ee22e1cd8740": "What date was the report signed according to the document?", "5ecaf604-bdf1-4265-a80d-085d3d065036": "How many directors are listed in the document?", "03732b78-bf7a-467a-9c07-cb154575ddf5": "Who is the Principal Financial Officer as indicated in the report?", "82df371f-7e6c-48d5-bbf8-11ad8973eee2": "What is the role of Michael J. Cleary in the organization?", "351feebc-6c05-4051-9582-b14bba9d87ac": "Which individual serves as the Chair of the Board?", "aa9182e2-f365-4e8b-9b28-5bf83639791c": "Are there any signatures from individuals who hold the title of Director in the document?", "1735c50c-e95e-4f8f-8359-1c0f63ba1fef": "What is the title of Brian J. West as per the document?", "2f0d9590-f9bf-4a71-9106-df2d162f33de": "Who is the Senior Vice President and Controller mentioned in the report?", "77cbab5b-84cc-41f9-9c73-5654b0289dff": "How many individuals signed the document in total?", "5ca2e239-1b8d-4bc1-bb88-b082763b58a9": "What is the fiscal year end date mentioned in the Bank of America Corporation's 10-K report?", "59e5a2af-53fa-46f2-be97-a6b2fdf0925e": "What is the Commission file number for Bank of America Corporation as stated in the document?", "decba4cc-a2d0-4597-aa5e-6a6a5b407df3": "Which state is Bank of America Corporation incorporated in?", "219897ad-e3d5-4f50-999f-86a80b91264e": "What is the address of Bank of America Corporation's principal executive offices?", "9465fa07-00f3-4c9e-9e38-8e566d6258ee": "What is the trading symbol for Bank of America Corporation's common stock on the New York Stock Exchange?", "46228f54-dcad-4b8d-acc3-d700935d3b3b": "How many different classes of preferred stock are listed in the document for Bank of America Corporation?", "5a4b66bb-085e-4f3e-be26-0fce832fe292": "What is the par value of the common stock for Bank of America Corporation?", "c697d78a-a966-4ceb-87e1-22a736eec626": "What is the IRS Employer Identification Number for Bank of America Corporation?", "f96569ed-12d7-4d48-bd17-22f1b96085ee": "Which exchange are the depositary shares for the 6.000% Non-Cumulative Preferred Stock, Series GG registered on?", "0a77f096-3df7-4773-b369-2f78ba5e36f2": "What type of preferred stock is represented by the trading symbol BAC PrL?", "5d0b96ee-2504-4e55-9c72-187e53947c96": "What is the trading symbol for the Floating Rate Non-Cumulative Preferred Stock, Series 2 of Bank of America Corporation?", "28d5b30f-71e0-4337-a8c8-788a811736bc": "Which exchange are all the listed securities registered on?", "6e552c21-6a61-4423-b2c6-cff868eb7b9e": "What type of securities are represented by the trading symbol BAC/PF?", "44ddccd8-d509-49e6-abc0-a7cbb5382849": "What is the interest representation of the Depositary Shares for BAC PrM?", "1a01c019-071b-465a-8f2b-34565fe91c11": "How many series of Non-Cumulative Preferred Stock are listed for Bank of America Corporation in the document?", "e25bfac9-ff4a-404d-8fc7-fde8eda63952": "What is the maturity date for the Income Capital Obligation Notes initially due December 15, 2066?", "8cdb9d3c-cd63-4556-9dcf-414d0214facc": "Is the registrant classified as a well-known seasoned issuer according to the document?", "c31f6ce6-2539-450e-a2a8-1a300615f9c1": "What is the interest rate for the Fixed to Floating Rate Preferred Hybrid Income Term Securities of BAC Capital Trust XIV?", "ed90c1fa-9255-42d3-bda9-281ef9b808ef": "Does the registrant indicate that it has filed all required reports during the preceding 12 months?", "d4f10321-ca41-4957-864a-aa0f5186b97e": "What is the significance of the 1/1,000th interest in a share for the Depositary Shares listed in the document?", "d5a2945b-3f9f-400b-bec7-78f1cf4ccdcc": "What is the aggregate market value of the registrant\u2019s common stock held by non-affiliates as of June 30, 2023?", "a2b33836-75d6-4864-8ce3-38d7d3796c1a": "How many shares of Common Stock were outstanding as of February 16, 2024?", "0b5d1a75-7200-40ef-ba1f-5b023080185c": "What are the different categories that the registrant can be classified under regarding its filing status?", "57ba03d4-e795-452b-9b6d-5acb03b22efa": "What does the registrant need to indicate if it is an emerging growth company regarding the extended transition period for financial accounting standards?", "6d4f8dc9-93fa-4961-90fc-abb60757b532": "What is the significance of the check mark indicating whether the registrant has submitted every Interactive Data File electronically?", "19b79eb9-529e-4d06-88e6-883c4eeb3d0d": "What does Section 404(b) of the Sarbanes-Oxley Act pertain to in the context of the registrant's internal control over financial reporting?", "aae91037-bf9c-472c-8053-b7950c090881": "What information is incorporated by reference in this Form 10-K related to the registrant\u2019s 2024 annual meeting of shareholders?", "253b3882-86da-4d2b-9ab3-08a52a2148b1": "What does it mean if the registrant is classified as a shell company according to Rule 12b-2 of the Act?", "a117df37-2d01-48c1-bdd4-8d5fd66015cf": "What are the implications of correcting an error in previously issued financial statements for the registrant?", "83c0fa71-a102-47f4-a173-8f16cb4c83f6": "What is the purpose of the recovery analysis of incentive-based compensation mentioned in the document?", "7fe5c33a-2398-4ee5-b836-0cc21421db05": "What is the primary focus of Item 1 in the Bank of America document?", "7d9a67a7-41b3-4b39-b024-cb5df2029792": "Which section of the document discusses potential risks faced by Bank of America?", "3fd99fb5-df56-4930-87c8-420eddf26023": "What information can be found in Item 7A regarding market risk?", "2f5e5476-41c2-4dd3-8d55-e63297165e0b": "In which part of the document is the discussion about cybersecurity located?", "a05ca3e1-b38f-45e2-9ce2-3510fbe12357": "What does Item 10 cover in relation to Bank of America's corporate governance?", "a81bda3e-3ab3-4675-bc2c-ea44cd7115b6": "How many pages are dedicated to the financial statements and supplementary data in the document?", "3bb426b6-4e00-45f6-adc6-04b20891bcd1": "What is the purpose of Item 15 in the context of the document?", "820edbdb-b589-4063-9e1b-89284b19857e": "Which item addresses unresolved staff comments related to Bank of America?", "64525a4d-efb8-4566-8236-bc0d51895380": "What type of disclosures are included in Item 4 of the document?", "bddb80db-ecd1-4802-868f-fc6cbf8e5579": "Where can one find information about executive compensation for Bank of America executives?", "b4c4e6c2-c126-4e1e-8884-04fff30d83c9": "What is the primary purpose of Bank of America Corporation as described in the document?", "527e998f-3048-4502-a158-e5a438ae36e0": "How does Bank of America Corporation refer to itself in its reports?", "13164465-8f92-4e0d-ae63-1f5e2b6aa2c9": "What steps is Bank of America taking to streamline its organizational structure?", "5b1adcb8-3bda-465d-8592-60d855bff959": "Where are the principal executive offices of Bank of America located?", "843ee4da-ff64-4208-8f24-1ab4a371a663": "What types of clients does Bank of America serve according to the document?", "66b4fb84-2576-420e-aad3-a2d1aa375cf4": "What is the significance of the Investor Relations portion of Bank of America's website?", "af777d70-0458-43f1-a282-076e30bb001f": "What types of reports does Bank of America make available on its Investor Relations website?", "ceab7b02-661c-4b21-927d-ce1eaca552f7": "What are the four business segments through which Bank of America provides its services?", "5f1a358a-92b8-465a-bee2-115f3a0b4d56": "How does Bank of America describe the competitive environment in which it operates?", "f7c527b3-f826-45f4-9132-a31dd33cca75": "What corporate governance materials does Bank of America provide to shareholders upon request?", "31594403-c1a4-4231-8165-c8465dea97ad": "What are the four business segments through which Bank of America provides its financial services and products?", "b93966e0-4940-483a-8f26-d6067ee137ab": "How does Bank of America describe its competitive environment in the financial services industry?", "ee25ba0d-10d1-4e06-814b-cb1c46bdf2fb": "What factors does Bank of America consider important for maintaining its competitive edge?", "f1f361cf-12e0-459d-8499-cb76a2bc75e9": "How many employees did Bank of America have as of December 31, 2023, and what percentage were located in the U.S.?", "a2ec9146-b7ee-4eb0-97b4-59851c370a41": "What role does the Board of Directors play in overseeing Bank of America's human capital management strategies?", "a43b9f74-2c5f-44a6-bfa0-4a062dac7538": "What was the compensation and benefits expense for Bank of America in 2023, and what percentage of total noninterest expense did it represent?", "88a0ebee-69cc-48c2-8539-093f08ce2a82": "How does Bank of America compete with firms offering products solely over the internet?", "6e0c6099-7287-45a7-8321-4cf0006dcd50": "What is the significance of the information set forth on pages 34 through 43 of Item 7 in relation to Bank of America's business segments?", "a2850a04-18eb-4f38-90aa-a7b82cd8854b": "Are any of Bank of America's U.S. employees subject to a collective bargaining agreement?", "efbf74c3-5090-4faf-8be4-d36fdeb5a7fb": "What initiatives does Bank of America undertake to attract and retain employees according to its human capital resources strategy?", "162b2870-c7ac-42da-8835-e14aff72faab": "Who oversees the Corporation's diversity and inclusion strategy?", "c25ff90b-51ae-474e-b621-f31e29bfec81": "What percentage of the Corporation's Board is racially, ethnically, and gender diverse?", "d48b6443-db8d-4893-9695-2a56a9e175bc": "How long has the Global Diversity and Inclusion Council been in place?", "30c50015-db9d-46db-a881-af8344b3ab32": "What was the Employee Engagement Index for the Corporation in 2023?", "e2298d7c-b262-42c3-ad6b-4c8f8d546e8b": "What percentage of global campus hires were women in 2023?", "bf0ab8bb-fa74-414e-b4b5-12f78d2562a3": "How many employees found new roles within the Corporation in 2023?", "44650c58-297d-480a-84ed-54d0385b31a2": "What is the Corporation's turnover rate among employees in 2023?", "5223519e-37ca-4258-9e1a-bf4352e885f1": "What types of resources does the Corporation provide to help employees grow in their careers?", "d40b709c-a909-44e1-b589-fc936796863d": "How many hours of training and development were delivered to employees through Bank of America Academy in 2023?", "f0b9b1f4-263e-4d5a-b746-5c7a12430952": "What is the Corporation's approach to compensation in relation to performance?", "02c991f5-a678-47f1-99e2-e4b2626f6838": "How many employees found new roles within the Corporation in 2023?", "68a9d139-e72a-4214-be5e-e0918c3c0ece": "What is the Corporation's minimum hourly wage goal for U.S. employees by 2025?", "ffabb6df-7989-45fa-85bc-fa9c2e4c4995": "What percentage of women globally received compensation greater than that of men in comparable positions in 2023?", "8f235637-8b8b-4591-9fe9-3a8c7fed81b1": "What types of measures are considered in the Corporation's compensation philosophy?", "bfdc0454-2ec1-4841-bd42-25820a9f1759": "How many hours of training and development were delivered to employees through Bank of America Academy in 2023?", "2f6a6d19-d64d-4283-ac69-4155c2d8d5eb": "What health and wellness benefits does the Corporation provide to its U.S. employees?", "4c342b23-2545-479f-89df-49525bdea24a": "What was the hourly minimum wage for U.S. employees increased to in October 2023?", "ed211fdb-b2a3-425c-b378-fd718b1b8053": "How does the Corporation ensure fair and equitable compensation among its employees?", "aea31fab-6dae-411d-bf00-399baf783754": "What percentage of employees globally will receive Sharing Success compensation awards in early 2024?", "e8d2c440-5ad4-4335-a3ed-2faa3a55fb72": "How long have U.S. health insurance premiums remained unchanged for teammates earning less than $50,000?", "19120d3a-0aa5-4708-a363-c6e226fced2a": "What types of health and wellness services does the Corporation provide to its teammates in the U.S.?", "1a39a689-43e8-402a-9701-5715b038e043": "How many weeks of paid parental leave does the Corporation offer to primary and secondary caregivers?", "48e929ce-4090-496c-ade9-6622d47c25b5": "What is the purpose of the extensive regulatory framework applicable to Bank of America and similar entities?", "b910071e-6ca1-4a50-8719-822f7d81cbb2": "Which regulatory bodies supervise the Corporation as a registered financial holding company?", "085d5c0b-f18d-4745-af1a-2df47685357d": "What are the eligibility requirements for the Corporation to maintain its status as a financial holding company?", "75bf2492-14d1-4b64-8acb-9ee584710c46": "How has the regulatory environment for banks and financial services changed since the 2008 financial crisis?", "08a8aab2-9c24-436f-b579-c78f4d9726b3": "What specific laws and regulations govern the Corporation's business operations in the U.S.?", "a438d884-7d10-49e5-8726-1110499de41a": "What is the significance of the Community Reinvestment Act ratings for the Corporation's depository institutions?", "70d923c1-dc05-44a2-9a00-8e8705cac3ff": "What counseling services are available to teammates and their households through the Employee Assistance Program?", "cf80e696-eb8d-4038-9642-d4e21dff89c0": "What major regulatory act was enacted in 2010 that has influenced the supervision of financial institutions?", "85ceb9a9-0355-4e8a-91c2-72e2174ed359": "What major legislative act influenced the regulatory environment for financial institutions in 2010?", "4bf2101f-4f88-4435-b307-6b22a8928e97": "Which regulatory bodies oversee the broker-dealer subsidiaries mentioned in the document?", "ac397146-bffc-4cf1-bea0-f54bd0aeaf7a": "What are the primary regulations governing the futures commission merchant subsidiary in the U.S.?", "8d946205-e1e4-4a6d-8df1-dd143c2620fa": "How does the Corporation ensure compliance with anti-money laundering laws?", "a1a8412c-7ebb-4d18-9c0b-0eb152f1857f": "Which U.S. act is designed to combat money laundering and terrorist financing?", "af6bb833-e213-4a25-a00f-a6ea608ac5f6": "What types of regulations do the Corporation's non-U.S. businesses face?", "0fe2c3f8-ddf8-4765-bfd1-c468b2e50179": "Which regulatory authorities are responsible for overseeing financial services entities in the United Kingdom?", "efea905f-d0cc-4447-bc98-d859b2e12bb1": "What is the significance of the term \"Source of Strength\" in the context of Bank Holding Companies (BHCs)?", "de4bfbf2-310e-4336-a8a2-dd17b5c97490": "How does the Corporation's insurance activities get regulated?", "8c86924e-36d0-41df-a46b-5b2e008a4da3": "What are the implications of the U.S. Foreign Corrupt Practices Act (FCPA) for the Corporation's operations?", "e4e571ba-eba7-46c7-a3b3-5850d79a35c7": "What are the cross-guarantee provisions outlined in the Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA)?", "e8479d13-4a33-4e2f-8b68-a85f802fc502": "How do Sections 23A and 23B of the Federal Reserve Act regulate transactions between U.S. banks and their nonbank affiliates?", "20f0d90b-c6ea-479f-9251-30eeb5e58495": "What is the current limit for FDIC insurance coverage per depositor, per insured bank, according to the Financial Reform Act?", "c77d785c-9961-4e76-b042-422678e61156": "What actions has the FDIC taken in response to the current status of the Deposit Insurance Fund (DIF) as of October 2022?", "170e47c1-2601-4503-9044-1b44fde9a3db": "What are the implications of the FDIC's special assessment imposed on November 16, 2023, regarding the closure of Silicon Valley Bank and Signature Bank?", "04d3a0b9-a3e9-4d9c-8a68-ed5a5a336d71": "How does the Corporation manage its capital position in relation to regulatory capital and liquidity rules?", "cd0e1c20-2465-4def-94b2-1da475d9cf53": "What factors influence the Corporation's ability to pay dividends and repurchase common stock?", "4f451a59-22ed-46c0-9ca0-ebf7e8cf3829": "What are the potential impacts of evolving regulatory rules on the Corporation's planning processes and operational costs?", "43c53240-9b09-4646-bd05-bc2c1bc1dde7": "What is the statutory minimum ratio of the DIF to insured deposits that the FDIC is required to maintain?", "c86fa8bf-09e0-43ba-a7ee-7bca63f03c42": "How do the regulatory policies affect the capital actions of major U.S. bank holding companies (BHCs) during the Comprehensive Capital Analysis and Review (CCAR)?", "6d2c0c38-2be0-4706-a14a-b61e3718df14": "What regulatory requirements must major U.S. Bank Holding Companies (BHCs) adhere to regarding capital actions such as dividends and stock repurchases?", "5cb6477a-19b7-4b95-841a-a6c3c67240a2": "How does the Federal Reserve's Comprehensive Capital Analysis and Review (CCAR) impact a bank's ability to distribute capital to shareholders?", "98b6033e-7606-4317-8f2c-3b4ea5ca5d6a": "What factors can lead to a decrease in a bank's returns of capital to shareholders, including dividends and common stock repurchases?", "42b27b69-8416-4aa5-a8d9-c9b06fd87f01": "What are the implications of the Federal Reserve increasing a bank's stress capital buffer (SCB) or global systemically important bank (G-SIB) surcharge?", "0efe44dd-6a45-41ea-a76b-9b4ea522a0fd": "What actions did the Federal Reserve take regarding capital distributions during the COVID-19 pandemic, and when were those limitations lifted?", "5fbeba53-72f6-4b16-a7cf-1ac1ebcb264d": "Under what circumstances can the Federal Reserve prohibit a bank from paying dividends?", "afc7bdfc-5865-4ab1-a110-f1829893e2d9": "How do the laws governing subsidiary banks and broker-dealers affect the flow of funds to the parent company?", "daae7cdd-07ba-4ed4-a937-9094f2f09b14": "What are the potential consequences if the Federal Reserve determines that a bank is not \"well-capitalized\" or \"well-managed\"?", "07f993a9-4d8a-4b0a-93ba-45c05458f1c3": "What information can be found in Note 13 \u2013 Shareholders\u2019 Equity and Note 16 \u2013 Regulatory Requirements and Restrictions of the Consolidated Financial Statements?", "2b5d3db9-5fde-43ae-b7df-07a16b1d4949": "How do the rights of the Corporation, shareholders, and creditors relate to the distribution of assets or earnings from subsidiaries?", "598b6306-c632-4c22-a6a4-ef76edd84087": "What is the primary purpose of the resolution plan required by the Federal Reserve and the FDIC for BHCs with assets over $250 billion?", "2da4aa4b-9e03-4e14-b3df-c5ba260777bc": "What actions may the Federal Reserve and the FDIC take if they determine a BHC's resolution plan is not credible?", "fb922302-fbf8-40e6-aef9-535509f5de07": "Which specific institution's resolution plan must be submitted to the FDIC, and what does it need to describe?", "4ad4d564-3512-4c9f-b0c3-b754cb52eeea": "How does the Corporation enhance its resolvability according to the document?", "808c1b8f-2c74-416a-ba0c-5b11ee5d9112": "What are the responsibilities of national resolution authorities (RA) and central resolution authorities (CA) in relation to resolution planning?", "68310da9-34cd-4e92-80b6-818a09e4648d": "What potential consequences could arise from the review of submitted information by RAs and CAs regarding the Corporation's subsidiaries?", "eda9a01e-4acd-4a14-91b2-f0b57b2c176d": "Under what circumstances can the FDIC be appointed as a receiver for an insured depository institution?", "e928dd08-934e-43af-8209-e1ea05367458": "What is the significance of the \"single point of entry\" strategy in the resolution of systemically important financial institutions (SIFIs)?", "e9806777-fcf6-49eb-9cb0-7a93e9bfb5b2": "How does the orderly liquidation authority differ from the U.S. Bankruptcy Code in terms of creditor payments?", "34066b23-9e24-44fc-a4fe-a499bf86051e": "What minimum requirements does the Federal Reserve impose on BHCs regarding long-term debt in the context of resolution planning?", "8edea4b9-14f7-4c9a-96a3-4bcdc3c9f9ec": "What is the potential impact of the insolvency and resolution process on a BHC's outstanding equity and debt?", "3107a888-45aa-47a1-a032-c09f76efe505": "How does the FDIC's \"single point of entry\" strategy function in the resolution of SIFIs?", "6d27e4d8-2f93-4387-bcca-a2b05a033bda": "What are the minimum long-term debt requirements imposed by the Federal Reserve on BHCs?", "2f4115bc-a228-4f5c-8ee7-b25d6d7f54ff": "What conditions must a BHC meet to acquire banks in states other than its home state under the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994?", "b2c342bb-fb53-4124-bc19-675df157ec37": "As of June 30, 2023, what percentage of total deposits of insured depository institutions in the U.S. did the BHC hold?", "7a1bceaa-a002-4a1b-9f7a-db1a8e3d7b2e": "What restrictions does the Financial Reform Act impose on financial institutions regarding acquisitions?", "7df74eac-571e-46f4-951f-15744ab551c9": "What activities are prohibited under the Volcker Rule for banking entities?", "e1a3ded5-d921-4a58-a17b-7c23d53ea49b": "What are some exemptions provided by the Volcker Rule for banking entities?", "9829ef72-1624-447a-8b90-0cbd574af611": "What global regulations govern the derivatives businesses mentioned in the document?", "04b73be6-1755-4e6f-a754-17025cb51841": "What are the implications of resolution stay regulations adopted by G-20 jurisdictions concerning derivatives?", "c16eb78e-ab74-4b8a-81b5-cf732ed3f866": "What regulations are expected to impact the resolution of Global Systemically Important Banks (G-SIBs) regarding financial contracts?", "66b2ec29-7d11-4f1e-b01a-8ed59fc3312e": "Which federal consumer finance laws are enforced by the Consumer Financial Protection Bureau (CFPB)?", "154ba06d-02b1-4d92-abd8-aefcce8fb41e": "What are the key requirements of the Gramm-Leach-Bliley Act concerning customer information?", "4fd3603e-e8fc-4f8b-a4df-28e9a3fd3203": "How does the California Consumer Privacy Act (CCPA) empower consumers regarding their personal data?", "93b54ba8-ca82-4cdb-b1b8-18d885ba4d21": "What types of safeguards must be included in a comprehensive information security program as mandated by various laws?", "bab284d2-b832-46d4-a088-638118ae1dd2": "What obligations do financial institutions have under the General Data Protection Regulation (GDPR)?", "622de1fc-c012-421b-b907-08ac87f78fe9": "How do resolution stay regulations affect the amendment of financial contracts for regulated entities?", "d568b826-4dd4-4d89-9144-19875ff18559": "What are the potential impacts of evolving information security laws on Bank of America's operations?", "256899ac-010c-487a-a686-da3a3755770c": "What rights do consumers have under the Fair Credit Reporting Act?", "1df31d3a-714d-4074-922c-e1969304afea": "How does the Corporation address the uncertainty surrounding privacy compliance globally?", "0107d62d-38be-4322-8317-7c5c110426ab": "What are the potential impacts of global economic conditions on the company's financial performance as described in the document?", "f25c01f0-1ceb-4ffb-bf37-e7243a5eb3e5": "How might fluctuations in interest rates affect the company's liquidity and net interest income?", "e7f690cf-5f7e-41f2-ad68-c23b6da55d59": "What role do geopolitical events, such as the Russia/Ukraine conflict, play in influencing market volatility according to the document?", "1ddd4de6-cb33-43e9-875f-10370968caa0": "What are some specific risk factors mentioned that could adversely affect the company's cash flows?", "0ce90a91-fa48-4081-b1c4-319f22c77608": "How does the document describe the relationship between supply chain disruptions and the company's business operations?", "1bb59a68-5712-4eec-bebf-cd965f842b6e": "What are the implications of climate change and natural disasters on financial markets as outlined in the document?", "7b949b00-2be3-4ed0-9d3f-854ab1b13c24": "How might changes in fiscal and monetary policies by central banks impact the company's borrowers?", "695292be-cf68-4a69-bd9d-a07ff605b5d3": "What are the potential consequences of elevated inflation and interest rate levels on the banking sector mentioned in the document?", "b54c4e55-2068-4639-bd81-eada789644e5": "How does the document suggest that consumer spending and employment levels can influence the company's financial condition?", "01d1f372-d978-4384-832f-ad63200d7dd5": "What are the challenges presented by the current or anticipated impact of health emergencies or pandemics on global markets?", "8f4d5d1d-589c-47a0-a6f1-776be3120559": "How do changes in monetary policy by the Federal Reserve affect interest rates and financial instruments according to the document?", "cdaf5913-5510-480f-9ffe-69a5eb31f01a": "What potential economic challenges are highlighted in the context of elevated inflation and fiscal policies?", "a21366be-9be3-4606-a790-0470638d12a7": "How might elevated inflation limit the scope of monetary support during an economic downturn?", "1058cf68-49a6-43ab-b058-8061e0de5ea8": "What are the potential consequences of not raising the U.S. government's debt ceiling limit by January 2025?", "127bd5b0-e882-4794-9f90-feff155a5fe7": "In what ways can higher interest rates impact net interest income and overall results of operations for financial institutions?", "426e3925-e16a-4bc6-a020-1db31d7b627d": "How does the document describe the relationship between credit spreads and capital values?", "8e53e60f-9ab5-494b-8431-7822e5eacdb2": "What implications could arise from simultaneous reductions in monetary accommodation by global central banks?", "5e44a957-b22e-4f7a-8e09-b6db96d778c9": "How might changes to U.S. laws and regulatory policies affect economic activity and financial markets?", "8519cff2-e9fc-48ac-82fb-f0693c35f453": "What are the potential effects of escalating tensions between the U.S. and China on financial markets?", "3e85daf6-4109-4afc-8f76-8e1e1af86095": "How does the document suggest that financial market volatility could be influenced by uncertainty surrounding the timing of rate cuts by the Federal Reserve?", "b52a4118-456f-4553-a919-2b57d7a61ccb": "How could U.S. measures against China potentially impact financial markets and world trade?", "65908cda-0a21-4a72-8a56-04ef79fa61aa": "What are the possible consequences of restrictions on business activities mentioned in the document?", "ea64cde6-b2bb-46e5-a160-b3a814898923": "In what ways might increased market volatility affect a company's market risk?", "cf256954-352a-4132-a47f-5f4efeabedae": "How do changes in interest and currency exchange rates influence a company's financial condition?", "2900df65-514b-4378-9378-a057bed580ba": "What inherent limitations are associated with models and strategies used to assess market risk exposures?", "3a8449b4-8f81-4f39-aec0-9af736eb429d": "How can the correlation between previously uncorrelated market indicators affect hedging strategies during market stress?", "ba1e91d9-dfa3-4103-ba5c-42c360ee6adf": "What types of financial instruments are included in the company's large portfolio mentioned in the document?", "394f44e8-8013-4ba0-b34a-ca3e0373a12f": "How does the fair value measurement of financial instruments relate to observable and unobservable inputs?", "74b68bf1-bf66-4d7f-86d9-ae464e8ce93e": "What impact can declines in asset values have on a company's capital and liquidity requirements?", "7b60a63f-6c79-4771-8a38-cd10ea97e4f5": "How might changes in fiscal policy, such as U.S. federal deficit spending, affect market interest rates according to the document?", "89ac54fc-1e24-414e-8c3d-eed4c56baf7d": "What types of financial instruments are included in the large portfolio mentioned in the document?", "50a529e0-3ff4-46b7-a71f-18227f93b3e1": "How does the document describe the impact of interest rate increases on residential mortgage loan originations?", "5a097d46-cf9f-4b25-b8d6-241c3916b67d": "What are the potential effects of declining asset values on liquidity and capital requirements?", "b2a4bf2a-7a80-42c4-8b17-8ff9370b43b0": "How does the fair value measurement of financial instruments relate to observable and unobservable inputs?", "10df697d-ec37-4ccb-bf09-decb46ee47fc": "What role do counterparty financial strengths play in the valuation of certain assets?", "bf0d2d7b-523e-4ee7-b334-b9d735df9a5b": "How can sudden declines in asset prices affect trading activities and risk management?", "daaaed2a-7a1f-4c84-ae5b-0206fe32e084": "What are the implications of decreased values of assets under management (AUM) for wealth management revenues?", "1aade78a-bc7f-44cf-a02e-44fbd4d76040": "What funding sources does the organization rely on to maintain liquidity?", "b673c10f-b542-437a-8e8b-e0b1df71d40d": "How might prolonged net deposit outflows affect the organization\u2019s competitive position?", "60f15fc0-b870-4e3a-a246-84dc8625579c": "What are the risks associated with the reliance on secured funding sources like repo markets?", "6b7ec630-3809-44c6-8336-a4f4fb7367b1": "What factors can negatively impact liquidity or cost of funds for financial institutions as mentioned in the document?", "678f1366-db1b-4d34-ae7e-8cc66b3787eb": "How might prolonged federal government shutdowns affect funding relationships according to the text?", "45f5f0fc-63c4-4cd1-8a3f-8640687b8556": "What role does the Federal Reserve play in the context of liquidity and borrowing costs for financial institutions?", "b2e002ac-6646-4556-bace-75c0aef12c1c": "What are some potential consequences of unexpected cash outflows as described in the document?", "dbd0f008-0d29-4c92-89a2-9449bce3ef01": "How do changes in credit ratings influence a financial institution's access to funding and capital markets?", "f2325ffa-d38d-4a34-ae12-82b87d718ec9": "What external circumstances are identified as potential triggers for increased borrowing costs and liquidity shortfalls?", "64245586-3d2f-4ec7-921a-793a28dd7cad": "In what ways can investor behavior and confidence affect a financial institution's liquidity and cost of obtaining funding?", "5453c753-dcdf-428e-999a-d10357e3ecb3": "What impact do changes in interest rates and credit spreads have on a financial institution's funding costs?", "2056afd8-57eb-46b1-9666-d212807139e9": "How can concentrations within a funding profile, such as maturities or currencies, affect funding efficiency?", "f806a68f-66dd-4f83-a7b7-d6c4487cc2ca": "What factors do rating agencies consider when reviewing a financial institution's credit ratings, as outlined in the document?", "22c2bd22-bc0c-474c-a058-a4f828192fee": "How do credit ratings impact Bank of America's borrowing costs and ability to raise funds?", "026491cd-94df-4237-a527-1cdeb9fe8678": "What factors do rating agencies consider when reviewing Bank of America's credit ratings?", "2e473692-40cf-48fe-8627-8e7355f36c63": "What potential consequences could arise from a downgrade in Bank of America's credit ratings?", "7eb7f291-5ee1-4e2e-80fd-1f780af425e4": "How does Bank of America Corporation's legal structure affect its liquidity management?", "8e3c53b3-4980-4233-8c56-6efc56dd9500": "What are the implications of a downgrade in short-term credit ratings for Bank of America's access to funding sources?", "795f1dc3-8878-4505-a053-c0c1a1e36955": "In what ways might regulatory developments influence Bank of America's credit ratings?", "5bd82d3a-d00c-462a-9869-7811a435f75b": "What restrictions do Bank of America's subsidiaries face regarding dividend payments to the parent company?", "61db9359-2e1f-4752-b605-3b3773b08955": "How does the relationship between long-term and short-term credit ratings affect Bank of America's financial strategies?", "48561162-4d2a-4908-b07b-b04d5217d5dc": "What are the potential risks associated with the inability of Bank of America's subsidiaries to transfer funds?", "e46849e2-8e21-4428-8b7b-4e610f5243bd": "How do macroeconomic and geopolitical factors play a role in the assessment of Bank of America's credit ratings?", "c5a0b0d0-ba57-4157-849b-5134ad74e9fa": "What is the preferred resolution strategy of Bank of America Corporation under the U.S. Bankruptcy Code in the event of financial distress?", "164f9d33-c29e-4d30-b487-e8cc2dceeb61": "How could regulatory actions affect Bank of America Corporation's ability to pay dividends and meet obligations?", "7f2f0c37-3bfc-4889-8869-edb77c1e5351": "What are the potential consequences for Bank of America Corporation if the FDIC and Federal Reserve determine its resolution plan is not credible?", "ec933b40-b58f-4b0b-87d5-9959f2906623": "In the context of Bank of America Corporation, what does the term \"single point of entry\" refer to?", "d4902c82-080c-4164-9108-e35a5228fbd9": "What restrictions could impact the funding available to Bank of America Corporation from its subsidiaries during adverse conditions?", "96a6aec9-598c-4fd7-a27a-c3df786fa39a": "How might economic or market disruptions influence Bank of America Corporation's credit loss reserves?", "7bcbabe2-d4b2-445f-96c0-89987b07d07e": "What risks does Bank of America Corporation face related to its credit portfolios?", "b8c6791e-2c14-48c1-ac5f-e8e2237018e9": "What could happen to the equity of Bank of America Corporation if it is resolved under the FDIC\u2019s orderly liquidation authority?", "6543d9fb-8422-464b-90f4-187b45f5b3da": "How do intercompany arrangements affect the capital and liquidity contributions of Bank of America Corporation to its subsidiaries?", "b6ae7c6d-36b7-4680-a2b3-7363ebab34cf": "What implications could arise for security holders of Bank of America Corporation in the event of a bankruptcy or orderly liquidation?", "74057be5-4be1-4987-89bc-c5ac516897bb": "What potential outcomes could security holders of Bank of America Corporation face if the Corporation is resolved under the U.S. Bankruptcy Code?", "a2185883-1999-4689-8825-6d5e1d5c196e": "How might economic or market disruptions affect Bank of America's provision for credit losses?", "18b651db-e955-4c15-8a84-9f39481151fc": "What types of products expose Bank of Bank America to credit risk?", "6998d394-75fb-4656-bf3e-21d97177b264": "Which macroeconomic factors could negatively impact the credit portfolios of Bank of America?", "03aa3ee5-ba88-4189-8524-3c10211b73d0": "How could rising unemployment levels influence the credit quality of Bank of America's borrowers?", "c851483b-9ba6-4138-9b54-4da37205898e": "What are the implications of property value declines on Bank of America's credit risk?", "cfe3c42d-548f-46fa-a8f1-f2a14a1be4f2": "In what ways could inflation affect consumer behavior and subsequently impact Bank of America's credit portfolio?", "cc8a6835-263d-40ea-a0a9-8aca5cbceca9": "What specific sectors are mentioned as being at risk due to shifts in demand and tighter financial conditions?", "67b3179f-caef-463a-a372-74b2ec0d0695": "How does the document describe the relationship between interest rates and debt servicing costs for borrowers?", "2a3f6dca-4253-492d-9061-1fb6c0ce61ed": "What are the potential consequences of increased delinquency and default rates on Bank of America's credit portfolios?", "0ae0a28b-5af5-4e6e-b84a-949d09a067c1": "What is the basis for establishing the allowance for credit losses mentioned in the document?", "185e02bc-1801-48b6-bcb8-847d08920d49": "How do changes in economic conditions affect the accuracy of loss forecasts and allowance estimates?", "35ae3656-bd18-493f-8ed7-ec9a368ba558": "What are the potential consequences of inaccurate models and assumptions used to establish reserves for credit losses?", "16bb4690-f751-48c0-9060-b8b79dc5f00c": "In what ways can concentrations of credit risk negatively impact the financial condition of the institution?", "32455f59-72a5-47e8-8faa-5f443ab96ea2": "Which industries or entities are highlighted as having significant credit concentrations in the document?", "bf8fa934-8086-4a00-a52a-7e714c8ad46f": "How might market risk heighten credit risk according to the information provided?", "cad01b7b-4922-4197-8ec5-4440fa743eb8": "What factors could lead to increased servicing advances and expenses in the context of consumer real estate and credit card exposure?", "febe796d-6f6a-451c-b6c5-47dccc473877": "What role do external factors play in the recognition of credit losses in the institution's portfolios?", "6ce438e4-c812-4902-923d-5fab6b40b353": "How does the document describe the interrelatedness of financial services institutions and the potential impact of defaults?", "6969fd87-3421-443e-983d-7850105ff5db": "What is the significance of lifetime expected credit losses (ECL) in the context of the institution's financial assets?", "1a5e0e81-516d-487c-b394-e4b8a8827c9f": "What factors could lead to disputes with obligors regarding the valuation of collateral during periods of market stress?", "7458e2b4-c8df-4486-99d9-61441c79d1f9": "How do concentrations of credit risk in consumer real estate and credit card exposure affect the overall credit portfolio?", "88b9bbf4-7fda-422a-88bf-3c31d39e5adf": "What potential impacts do climate change and natural disasters have on collateral valuations and customer payment capabilities?", "20825b8a-7a36-428e-a69f-444b29e285c1": "How might economic weaknesses and rising interest rates influence credit losses in financial portfolios?", "e8593fb2-f105-4953-b7d9-470d9ba9a4a9": "What risks are associated with transactions involving sovereign nations, U.S. states, and municipalities?", "64692c54-d9e2-4da4-a345-50081cec1e44": "In what ways could liquidity disruptions in financial markets affect the ability to realize the value of positions held by the institution?", "6c91825d-a9ba-41fe-9d07-2839ae124d81": "How has the U.S. housing market in 2023 been affected by changes in mortgage rates?", "807b8e76-603c-4169-b5f4-a72a4984f86d": "What consequences could arise from a deeper downturn in the U.S. housing market for asset values, particularly mortgage-backed securities?", "7a3ac150-fc78-4282-8298-2a4a8469275b": "How do elevated inflation and adverse business conditions contribute to credit losses within the institution's portfolios?", "dd59869f-50a0-4019-af69-1882101d8206": "What are the implications of increased servicing advances and expenses due to declining home price valuations?", "599e969c-47a9-42de-8d81-910a9a72fdf0": "What types of risks are associated with the derivatives businesses mentioned in the document?", "27779f76-d1de-4f1b-8854-1f08a21dbfa7": "How might fluctuations in asset values impact the financial condition of the organization?", "d33a4d1e-c95e-46da-a82c-173b8498893c": "What are the potential consequences of a change in credit ratings for the organization and its derivatives contracts?", "8475cfe2-d962-466b-98b8-edd2d34969c4": "What role do Central Counterparties (CCPs) play in the credit risk exposure of the organization?", "8eca2741-3b80-4acc-8521-c18f8d90d7b8": "How can geopolitical stress in emerging markets affect the organization's liquidity and credit risk?", "e54125c3-a46e-4a6f-8de4-25ffbffdc8ec": "What factors could lead to negative fluctuations in revenues from trading non-U.S. securities?", "c38fb0c6-5952-48d9-943b-b39cf5fde750": "In what ways could tensions between the U.S. and China impact the organization\u2019s business operations?", "f56659a5-39e8-4f30-b08a-dcdd2d3de1d6": "What are some examples of operational and compliance risks faced by the organization in various jurisdictions?", "508a65c4-0e0c-42fe-8950-a892436a39a6": "How might currency fluctuations affect clients dealing in non-U.S. currencies with U.S. dollar-denominated debt?", "0e41ffa4-0632-49da-8c98-9db76d35d327": "What challenges does the organization face due to adverse geopolitical conditions and their impact on financial markets?", "77543111-56b6-4cf0-b377-cceedaa24500": "What economic factors are mentioned as challenges affecting financial markets in the document?", "ef81ade3-96e7-43e6-9599-f5283c5b8117": "How might depreciation of foreign exchange rates against the U.S. dollar impact financial risks for clients?", "7d9ef316-fc7e-47fd-a966-8df45a4032ec": "What are the characteristics of non-U.S. trading markets, particularly in emerging markets, as described in the document?", "d33a58ba-33b1-4857-a3a5-03e5bc486cc8": "What potential consequences are outlined regarding elevated government debt levels?", "4f5d308c-4559-413c-9812-0eee7d0d605c": "How does the document describe the regulatory environment for non-U.S. businesses?", "3f555129-bb3f-4126-a250-f563b3981909": "What risks are associated with compliance to anti-money laundering and economic sanctions regulations?", "94d9b46a-d696-4fd7-8254-018777d3110e": "What challenges does the document highlight regarding the tracking of funds in relation to financial crimes?", "ba10a96f-34be-4781-aa3c-d118dcc45f7a": "How could U.S. government debt ceiling concerns affect the financial landscape according to the document?", "b6d95573-2a47-4cbb-9552-66c6249d413b": "What are the implications of market and economic disruptions on consumer confidence and corporate investment?", "24208bee-cef4-4e73-8340-b118ae320317": "How does the document suggest that changes in foreign laws and regulations can impact business operations?", "0c16a2fc-970b-4f99-97d5-60cf9c77676a": "How could changes in U.S. monetary policy affect emerging market currency values according to the document?", "02999910-7326-4198-b7f6-87addf36d56c": "What geopolitical risks are mentioned that could adversely impact business operations and economic conditions?", "3fd0d331-d19a-49e0-a3e1-82c57a22bc34": "What types of events could lead to operational disruptions as outlined in the document?", "608b4c34-0d04-46c3-8907-81cf4b8685b6": "How does the document describe the impact of the Russia/Ukraine conflict on regional stability and financial markets?", "b7c9c99a-f26a-4ec4-9da0-52edb6e6d8f5": "What role do third parties play in the operational risk exposure of the organization mentioned in the document?", "8749b729-f51a-4653-9a4a-05e687bf02ef": "What are some potential consequences of a failure in the organization's information systems?", "a477ca04-b632-4caf-834b-738a428fdf28": "How has the reliance on remote access tools and technology changed the management of business continuity?", "c3eba123-0309-425b-a632-bf7205cc8892": "What factors could contribute to increased compliance costs for the organization as mentioned in the document?", "f6b3fcb7-3715-4254-9b5e-92dafab023cd": "In what ways could higher inflation negatively impact the organization\u2019s financial condition?", "a61dd6b9-9df6-4db9-b555-4044ab3f9859": "What types of natural disasters are identified as potential causes of operational outages in the document?", "ef4e9462-f01f-4aeb-9eb8-fdc03d3390bf": "What types of natural disasters are mentioned as potential causes of operational disruptions in the document?", "c58f0a9d-a356-494d-ab53-abf5fe864cb1": "How has the reliance on remote access tools and technology changed in recent times according to the document?", "434bc8fc-e927-4ea9-9afd-f806c5bcddbd": "What are some of the risks associated with employee misconduct as outlined in the document?", "08ab999d-88d9-40c6-bc18-27148daf9a3a": "What challenges does the document highlight regarding the management of operational changes?", "891fb308-ff8e-4f3a-bb69-63a3cefe0940": "How might localized or systemic cyber events impact the organization\u2019s ability to conduct business?", "9f349187-d248-455b-842c-bd1cf088efb1": "What limitations does the organization face in implementing backup systems for third-party systems?", "538379ed-c0ce-4683-bb22-9548c348d2cb": "What are the potential consequences of a failure or breach of information systems as described in the document?", "72eef578-a07e-4b7e-b99a-c330e09e56b0": "How does the document describe the relationship between operational resilience and information security response plans?", "652ae1a7-f861-4d45-b978-33432727d0f8": "What factors could affect the speed of remediation in the event of operational disruptions across different jurisdictions?", "65c7e397-fa28-477e-b50a-a0b828f6d7f3": "What are the risks associated with updating information systems as mentioned in the document?", "d3bad1f5-42ca-48ac-b452-4d7af292c57d": "What are the potential risks mentioned in the document that could arise from operational disruptions in business operations and customer services?", "515b5648-1f28-499f-847b-56434ddbf6f7": "How do cybersecurity incidents and technology failures impact the Corporation's ability to conduct its business?", "6e7a8fda-8e63-4a44-8df2-5d2d504b38ee": "What role do third-party financial data aggregators play in the Corporation's cybersecurity risk exposure?", "efea4f6e-9d18-40c8-989e-3c36d5f87329": "What types of cyberattacks are identified as threats to the Corporation and its stakeholders?", "f784d5d4-58de-4d38-883f-33e3884070a4": "How does the use of emerging technologies like AI and machine learning affect the Corporation's cybersecurity risks?", "814597b9-fc88-442b-a008-7b53281809b9": "What measures are mentioned in the document that the Corporation implements to protect its information systems?", "09e943b0-d5ef-4621-a486-8add98067ae7": "What factors contribute to the heightened cybersecurity risk faced by the Corporation?", "78ced807-a9a9-4de0-a090-b2fed6af4ba0": "How does the reliance on digital banking and remote access tools increase the Corporation's vulnerability to cybersecurity threats?", "be2ad5e0-bf03-479f-8e07-9ecad6c47a32": "What are the consequences of internal access management failures as described in the document?", "bf8ee106-6f27-43b8-aebe-9b57ef5488ed": "In what ways can employee behavior impact the Corporation's cybersecurity posture according to the document?", "11de49a6-b90f-464a-89bb-ab818e50f489": "What are the potential impacts of internal access management failures on data security?", "6c41742e-db73-49d0-ba6f-99b839d4c7e5": "How does the reliance on digital banking and remote access tools increase cybersecurity risks?", "bdd60947-6629-4d48-9911-c83975a31315": "What role do third-party technology providers play in the cybersecurity risks faced by financial institutions?", "ee6e3133-b7a6-4d61-99cc-422ed9d6e87c": "Why is the detection and reporting of cybersecurity incidents by third parties critical for financial entities?", "8d96e09b-0ca3-4c22-8821-846b6ed36aef": "How can the consolidation and interdependence of financial entities increase the risk of operational failure?", "3ed9ba6a-ce59-41e9-b37b-2d0fee28b12a": "What challenges are associated with recovering from a cybersecurity incident or information breach?", "10096225-2909-4fba-8965-10ce4b05853b": "In what ways can social engineering attacks increase an organization's vulnerability to cybersecurity threats?", "2d23578a-b933-499c-84be-f005d1a9e0e8": "What types of sensitive information are at risk due to third-party relationships in the financial services industry?", "5d75c568-8340-4f48-aa13-d21b48d1bc74": "How might open-source software vulnerabilities contribute to cybersecurity risks for financial institutions?", "e632222c-5d94-42f5-9b6e-8a50e83adb43": "What measures are financial institutions expected to take in response to increasing cybersecurity threats and incidents?", "aa12bf72-835e-4ee1-8bfe-9463322c460d": "What measures are mentioned in the document to defend against cybersecurity threats and incidents?", "514dffcb-6bf7-40d1-b26e-e4eb02317d96": "How have past cybersecurity incidents affected the organization according to the document?", "6ac83a88-aaf4-492c-815b-40fd6e3b34d7": "What potential consequences could arise from a cybersecurity incident affecting the organization or its third parties?", "a1856986-4703-4343-96a4-3c34b098f009": "What role does cyber insurance play in the organization's strategy for managing cybersecurity risks?", "1b7b3ab6-34c8-4e17-8df9-bc66c8b76c1b": "What obligations does the organization have as a servicer for residential mortgage securitizations?", "b2745769-0c8d-4dcb-9ef3-fdb56100b552": "What could happen if the organization commits a material breach of its obligations as a servicer or master servicer?", "08f200bb-4f94-4341-b313-a910bc4c8cee": "How might changes in the structure of the Government-Sponsored Enterprises (GSEs) impact the organization\u2019s business?", "795711c1-af02-4b52-929f-7973fd7664c5": "What are the possible legal and financial repercussions mentioned in the document related to cybersecurity incidents?", "70e85bd9-131b-402c-8006-a53da1d0f1bb": "What types of losses or claims could the organization face as a result of cybersecurity breaches?", "87604c82-e263-4c6d-a9d0-beff12362c2b": "How does the document describe the relationship between cybersecurity incidents and the organization\u2019s reputation?", "a7b70d7f-34e3-48d9-a0b3-95f3b3ef0521": "What potential consequences could arise from a breach mentioned in the document?", "33c03aa6-6ff9-4191-b3f0-4f7a13fa778e": "How much in loans did the company sell to GSEs during 2023?", "8aa3d2f8-40ea-4f85-90ec-ce1e0c7cd719": "What are the names of the two GSEs currently in conservatorship?", "4ab06fbc-d03d-4500-9341-1149dad1350d": "What role does the Federal Housing Finance Agency (FHFA) play concerning FHLMC and FNMA?", "c628d8ca-1998-4052-8e20-abaf9b8525da": "What risks does the company's risk management framework aim to minimize?", "e7a803dc-979a-4d42-aba6-26ff77ff6fbe": "What could be the impact on the company if the GSEs reduce their role in the marketplace?", "c41b222f-9c07-4aeb-9eb0-6cb034413809": "What types of risks are included in the company's risk management framework?", "45628e79-6e57-4dbc-9441-e5b97f41bcd3": "What challenges does the company face in effectively controlling and mitigating risks?", "0b1634dd-e949-4ad8-8d8c-a3a7fa8c29a3": "What alternative funding sources might the company need to seek if GSEs limit their mortgage products?", "1cd95872-e611-4ac0-a676-f7b38129edea": "How does the uncertainty regarding the future of GSEs affect the company's securities portfolios and capital levels?", "9506084e-5065-489b-9403-540c76ba2568": "What factors contribute to the heightened level of risk faced by the Corporation as mentioned in the document?", "a3f1a638-b797-4b97-8f81-1f86ac4a8338": "How does the evolving regulatory landscape impact the Corporation's business strategies and operations?", "21c9b4fb-0cc8-45c9-9ed6-72c75d0797ef": "What are some of the specific regulatory authorities mentioned that oversee the Corporation's compliance?", "46c5bcc3-bc11-42fa-a465-07b9c8aa2656": "In what ways can the failure to manage risks affect the Corporation's results of operations?", "d9a40036-3a2e-4a73-80aa-5af731337fce": "What types of risks are highlighted in the document as being particularly significant for the Corporation?", "7b094bb0-6197-424f-ae52-abe1283d9f59": "How does the document describe the relationship between third-party providers and the Corporation's risk management?", "7417224c-abea-485e-8da1-5e6b48bf0981": "What potential future regulations are anticipated that could affect the Corporation's operations?", "8304a0fe-a6fe-46bd-9c50-7110e3a6a6b2": "How does the document characterize the Corporation's approach to compliance with laws and regulations?", "d9ff64e7-fae6-4a80-8e18-038fc5b15872": "What role do economic sanctions play in the Corporation's regulatory environment?", "44b4d649-25d9-49fc-abc4-d7bffd594b28": "How might non-U.S. regulations create compliance challenges for the Corporation according to the document?", "ed0aec02-88f9-4fbe-a1fd-d982281f4fed": "What are the potential consequences if the assumptions regarding regulatory compliance prove incorrect for financial institutions like Bank of America?", "d4ed4e05-6696-49e9-bef0-7006135f4ad7": "How do U.S. regulatory initiatives interact with non-U.S. regulations according to the document?", "1d544934-a352-454b-9621-f5a681cbaff6": "What broad powers do regulators have over financial institutions, as mentioned in the document?", "5ae5b5a6-35e1-4170-abec-dd8ceff88e1b": "Which specific laws and regulations are highlighted in the document that pertain to data privacy and the safeguarding of personally identifiable information?", "08ff36e0-433e-48ea-9922-9a25350c8911": "What challenges are anticipated regarding cross-border personal data transfers from the European Economic Area (EEA) to the U.S.?", "cba1e848-1f91-4a86-8651-24b160be4b43": "What types of enforcement actions can regulators and government authorities take against financial institutions?", "e5e620ea-76eb-4e84-90dd-d1854d14a8fa": "How might new and evolving data privacy laws impact operational costs for companies like Bank of America?", "f2957f4a-baee-4dd9-b6ac-c8962408156c": "What are the potential repercussions of governmental authorities requiring criminal pleas as part of regulatory resolutions?", "1d204397-526b-4ade-86c4-5f230c740bec": "What specific risks are associated with compliance to anti-money laundering and anti-bribery regulations mentioned in the document?", "9051aabb-18d7-46f8-993b-a3222d982187": "How could consumer advocacy groups react to changes in the EU-U.S. Data Privacy Framework, according to the document?", "0d9605ce-aeec-418e-8fdf-8b102e985003": "What are the potential consequences of failing to meet regulatory requirements as outlined in the document?", "a5916ac2-fdd1-47ca-b393-cc7f7ba27089": "How might the complexity of regulatory regimes impact the company's operations?", "1ceecad9-97ce-43ad-a560-66a98258136f": "What types of costs could arise from settlements or agreements with government entities?", "ddaa4851-4181-4609-86bb-11d9925a47ed": "In what ways could improper actions by employees affect the company and its stakeholders?", "0168ca0d-c9d0-4702-9ab8-904c23b86937": "What are the implications of relying on third parties for compliance and legal risk?", "6988faf3-fd77-4ed0-af49-e934f8c80824": "How does the document describe the relationship between regulatory scrutiny and the financial services industry?", "f61c86a5-0cf6-4466-97a5-0cfd1c0dc6a4": "What specific legal risks does the company face according to the document?", "5f7f4cdc-4740-44cf-a6ee-8dc0ca5cef01": "What types of claims are financial institutions, including the company, subject to regarding anti-competitive conduct?", "3096da05-481b-4eb3-858d-c1c1f079d16f": "How might future legislative or regulatory actions affect the company's profitability and business opportunities?", "1e614ead-005f-47d6-8d1f-8994843e5c00": "What are the potential outcomes of lawsuits and regulatory actions mentioned in the document?", "a64e0cac-e0b8-494f-941e-569e823bbf47": "What types of claims are financial institutions, including the subject of the document, facing regarding anti-competitive conduct?", "28ffa61d-b5a1-4d9e-870b-84071e145d39": "Which laws and regulations are mentioned in the document that may lead to enforcement claims against financial institutions?", "0b063662-df44-4011-b803-edde9e4a3bcb": "What are the potential consequences of contractual indemnification and loan-repurchase claims mentioned in the document?", "b120c43d-85a1-4f25-b565-0c09feb39060": "How does the document describe the impact of cybersecurity incidents on financial institutions?", "3c08f120-80db-4598-877b-49e3fc8c86e8": "What types of misconduct by employees and representatives could lead to litigation or government investigations, according to the document?", "4a3ab6f6-a3f5-4084-b503-2f96e70be2b4": "What specific areas of scrutiny are financial institutions facing related to sustainability, as mentioned in the document?", "0592b51e-3357-4cec-baaf-ac3f4909e4ef": "What are the potential outcomes of regulatory inquiries and investigations that financial institutions may experience?", "c721a6f5-f7ac-4419-96fc-10b78ad33c68": "How does the document characterize the relationship between customer harm and regulatory enforcement actions?", "4a1554b5-9bb2-4314-a681-c282cfdd3212": "What implications could arise from the handling of fraud-related disputes in electronic payments, as discussed in the document?", "e14380f2-0602-4ef3-828f-3b0e0ef4e570": "What role does the development and management of emerging technologies, such as AI and machine learning, play in the context of compliance and security for financial institutions?", "e37e6e96-79f9-40ae-ae40-75de0ee0f35e": "How have regulatory enforcement and the evolving regulatory environment impacted operational costs for the company mentioned in the document?", "5c6ba6db-e43c-40ed-af15-7b7eadd0fafd": "What potential consequences could arise from lawsuits and regulatory actions against the company?", "fab6a9f5-01ec-45c3-b886-5b46c9325f4a": "What specific government relief measures related to the COVID-19 pandemic is the company involved in?", "8c13d679-f0ab-49f1-8f11-e6526b70363d": "What are the implications of failing to maintain a well-capitalized status for the company's subsidiary insured depository institutions?", "241451ee-aadf-48c6-a08b-deda72bbf178": "How might changes in regulatory capital requirements affect the company's ability to return capital to shareholders?", "17e073cb-5105-4ab0-a7a7-0e694331f967": "What is the significance of the G-SIB surcharge increase mentioned in the document, and how does it affect the company's capital management?", "f9a88f0d-6b30-4ae1-8fe6-151ed0d4cdef": "What role does the Federal Reserve play in evaluating the company's capital planning practices through the CCAR process?", "ad9a752a-f798-4785-941c-7743244615d5": "How could proposed changes to the methodologies for measuring RWA impact the company's regulatory capital requirements?", "5a655a08-d489-4ad5-9704-33c8e5277267": "What actions might the company need to take in response to changes in regulatory capital and liquidity requirements?", "347f7610-fc8e-4c73-9283-d46f5fbe2c84": "In what ways could economic disruptions or events influence the company's balance sheet and regulatory capital needs?", "b84f73f2-711a-4c6f-acfb-c201505ba047": "What are the key methodologies proposed by U.S. banking regulators in July 2023 for measuring risk-weighted assets (RWA)?", "5729244b-ef33-44e3-9b64-22f71761bb72": "How might changes in regulatory capital requirements affect a bank's operations and financial strategies?", "8b62fb77-5312-42be-b069-8e39954c2d42": "What potential impacts could economic disruptions have on a bank's balance sheet and leverage exposures?", "895394a4-031d-4b46-bda6-21da0ecbdc8e": "In what ways could changes in accounting standards or assumptions adversely affect a financial institution?", "d0f03770-9472-4f2d-b0b9-339786a3fab6": "What are the implications of erroneous assumptions or estimates in accounting policies for a bank's financial statements?", "72352335-62fe-4aae-97e6-847ae5e580e9": "How could changes in U.S. and non-U.S. tax laws materially affect a financial institution's effective tax rate and liabilities?", "5cd78f7b-b373-44cc-bb24-f6f72b183a26": "What is the significance of the global minimum tax proposed by the OECD for countries where the bank operates?", "b4f03f31-2b89-431c-96d1-00c8bf455895": "How might adverse developments in tax laws impact the valuation of the U.K. net deferred tax assets (DTA) for a bank?", "fddd6653-fb02-473f-b8e5-2d1b528e46e0": "What are the potential consequences of a bank needing to liquidate assets or increase borrowings due to regulatory changes?", "fe40c399-a1bf-4989-a09f-667d16cae0bb": "How could the interpretation of accounting standards by regulatory bodies affect the preparation of a bank's financial statements?", "baf65f08-6fd7-458d-8d38-e043be72cb34": "How can damage to a company's reputation affect its ability to attract and retain customers and investors?", "57d13064-3e5f-4cd1-83aa-f02aef16fdf6": "What are some potential sources of reputational harm mentioned in the document?", "3b625413-1d91-4eea-8c5f-2a2f58d58e4a": "How might the handling of customer complaints impact a company's reputation?", "b7ffe9b0-0dc9-4b42-bb3e-bc15558e8555": "What role do emerging technologies like AI and quantum computing play in the context of reputational risk?", "929256e9-5b5c-49d5-99be-8ca7ede1efcf": "How can adverse publicity on social media influence a company's business prospects?", "14f08f56-5717-4c01-8706-93214413f8b4": "What are the implications of complex and evolving laws and regulations on a company's reputation?", "913c0cde-6414-430b-a74c-7270e5d3bd6a": "How does the management of potential conflicts of interest relate to reputational harm?", "3063841e-b96b-471a-8c2e-7b37419fada9": "What types of incidents are expected to increase in frequency and severity, potentially affecting a company's reputation?", "f3cd38ff-3e2c-457b-a832-0a5c4f9992c3": "How can litigation and regulatory matters contribute to reputational damage for a corporation?", "6898708e-5bf2-4633-8f53-0db1ca59d905": "In what ways can the overstatement of environmental benefits harm a company's reputation?", "902dfd68-c515-4552-8303-a33996570b7e": "What potential risks are associated with the mishandling of personal, confidential, or proprietary information according to the document?", "8c20595e-1cf1-401d-a52a-f312acb0b0b6": "How could the management of conflicts of interest impact client relationships and business operations?", "0b1f1319-572f-49ad-beff-0f98183e9a50": "What are the implications of failing to address operational risks as mentioned in the document?", "f5e757fa-a442-438d-9b3d-5fcafbeef15a": "What specific reforms to benchmarks are highlighted as potentially harmful to the company's reputation and financial condition?", "b1d95689-f24b-4be9-87d9-097c3be09043": "What challenges does the transition to Alternative Reference Rates (ARRs) present for the company?", "77d06224-db8f-4f50-974b-bba76f093852": "How might the cessation of the BSBY benchmark affect the company's financial and operational risk exposure?", "a73e70b9-7f11-4c55-8509-43f57d030b62": "What are the potential consequences of market fragmentation due to varying usage of ARRs across different contracts and products?", "a0da6c54-ca5f-4028-935e-e0b15412686e": "In what ways could the transition to ARRs impact the yield on loans or securities held by the company?", "4aca57f1-5b1a-48f6-8ba4-f03b846a3805": "What additional efforts may be required for modifying the terms of impacted products that lack fallback provisions?", "514d79d4-341f-419c-8473-4ab1507a6dbd": "How could the actual or perceived failure to manage conflicts of interest lead to litigation or enforcement actions against the company?", "e0bda0b7-aeb8-431c-bc4e-eb105c146f04": "What are the potential legal risks mentioned in the document related to the transition from existing benchmarks to ARRs?", "3542d2a1-93e7-4fa0-bdfb-deb8c2dfb336": "How might the performance of ARR-based products differ from Impacted Products during economic stress according to the document?", "1be443e3-99d7-4087-af56-f7448cd8298b": "What competitive pressures does the Corporation face in the financial services industry as outlined in the document?", "657bf4e5-894e-4eec-ad13-30d82580ae2a": "What factors could negatively impact the Corporation's ability to adapt its business strategies and services?", "352a1bc0-8b1a-4110-9410-de6c3518e60a": "How does the document describe the impact of emerging technologies on traditional financial service providers?", "21693c3d-8762-4f36-b23f-3e02e4354a30": "What are some of the risks associated with new financial products linked to ARRs as mentioned in the document?", "fd0a8d16-fb61-4b2f-983c-038f1285578e": "In what ways could regulatory scrutiny affect the Corporation's product offerings?", "3c5b4c7b-3aa5-4cbd-9966-5a03b05a645b": "What challenges does the Corporation face from non-traditional financial service providers according to the document?", "ae91c981-ffaf-41f3-98fd-3db59611a64c": "How might macroeconomic stress and geopolitical events influence the Corporation's business strategies?", "f1345481-f07c-4d50-bb1f-5e107128410f": "What implications does the rapid evolution of digital assets and technologies have on the Corporation's competitive landscape?", "d4d4aeb9-9a21-4c60-80b7-a4a59204c852": "What emerging technologies are mentioned in the document that could create strategic risks for businesses?", "18546d9f-3a63-4f44-95f3-cdc292d9b441": "How might the introduction of new competitors impact the payment ecosystem according to the document?", "58545979-9fce-4303-8988-fc31a45def00": "What are some potential consequences of financial disintermediation as discussed in the text?", "2547d37f-2d9b-4478-941c-c6513fcdb169": "What role do models play in managing risk and forecasting for the organization mentioned in the document?", "47b1bda9-49fe-4318-946b-4b8ffef73fce": "What limitations are associated with the models used for risk assessment as outlined in the document?", "a519b697-9f1c-41a8-8716-c870150cecfb": "How does the document describe the impact of consumer behavior changes on businesses?", "8f66b022-fbda-477e-997c-e59904b9ad57": "What is the significance of the Enterprise Model Risk Policy mentioned in the context of model management?", "733d442c-aefd-4cdb-a40e-70b611302dc6": "What types of risks are highlighted as being assessed by the models used by the organization?", "c984c68b-dab5-4937-8bdc-bcea6a305c6f": "How might extreme market movements affect the effectiveness of the models discussed in the document?", "dd8ab6fe-7ede-44ec-babe-3d29a279029e": "What challenges are posed by the reliance on AI or machine learning in the context of model risk management?", "5bf734d3-f69a-4d36-a130-19685461f942": "What are the potential consequences of failing to properly oversee and review risk management models as described in the document?", "cee8028e-2658-4d78-bd9b-cac0d47ff62a": "How can human error impact the effectiveness of data management processes mentioned in the document?", "fb400c5b-0f3e-4d23-ba42-6d6c9bb74846": "What types of risks are associated with climate change as outlined in the document?", "80594dc7-67fb-48bb-8e4c-16199d24b7db": "In what ways could inaccurate reporting affect strategic decision-making according to the document?", "e25a5076-3530-415e-93ea-1b65be9abf29": "What emerging technologies are mentioned in the document as part of the organization's data management processes?", "d1570bd4-3020-4242-a3a6-9fac89b0ed5b": "How might the transition to a low-carbon economy alter the organization's strategic planning?", "ab464d09-2b04-4c42-88c9-254e5369242b": "What are the implications of failing to manage data effectively on regulatory compliance as stated in the document?", "cc1b54c4-a94c-470e-9c23-3cbe7ae80f74": "What specific physical risks related to climate change are highlighted in the document?", "b6edd2ff-d190-4f74-8e34-831a8917c88c": "How could market volatility and rapid deposit outflows be influenced by climate-related events according to the document?", "b2d488ab-dc8e-45f6-bc22-e3482c30bb6b": "What are the potential reputational risks associated with the organization's climate change strategies and disclosures?", "f558db78-94d2-45c0-8c65-bfa559b86c0a": "What are the potential risks associated with climate change regulations mentioned in the document?", "d7cd87a1-79df-47ae-a7ca-451a3fcd950e": "How might the company's climate-related goals impact its reputation and stakeholder confidence?", "db98dded-ba9a-46b4-9d47-22f3e5aa6e3a": "What challenges does the company face in measuring and disclosing climate-related data?", "9935ca4f-9543-4d94-bbac-2af6272ad13b": "Why is attracting and retaining qualified employees critical to the company's success?", "1c09aa45-3f12-4a22-a679-9911b518ba54": "How do competition and regulatory limitations affect the company's ability to hire qualified personnel?", "108dc6a9-d4f0-4752-9342-a30507ccd67f": "What specific greenhouse gas emissions targets does the company aim to achieve by 2030?", "ec2ff427-270d-4d1b-9e9e-790c19251fba": "What factors could hinder the company's ability to meet its climate-related commitments before 2050?", "0aa4dbcb-6f1e-4d46-86f8-128353d2243e": "How does public sentiment influence the company's legal and compliance risks related to climate change?", "ef5e84ca-070c-4f43-8d9b-9d8594bb9656": "What role do technological advances play in the company's climate change strategies?", "23a3ec05-fa96-44f0-9f44-14d4c40ddcfc": "How might labor shortages and changing workforce expectations impact the company's compensation practices?", "b3cf53fa-e06c-4ba5-a1be-0717d845c131": "What is the primary business segment associated with the Bank of America Corporate Center located in Charlotte, NC?", "f87a3380-b291-4f27-b743-2ed6ba36a2f1": "As of December 31, 2023, how many square feet does the Bank of America Tower at One Bryant Park occupy?", "6a234477-f17b-40c7-a7ac-5dd9c834701a": "What percentage of joint venture interest does the Corporation have in the properties mentioned in the document?", "8f6cfd90-594f-481d-82ba-1c2c81dc778b": "Which regulatory body oversees the dividend payments made by Bank of America's bank subsidiaries?", "0f50716b-6369-4483-8038-27ca3f6450bb": "What is the total amount of square footage owned or leased by the Corporation globally?", "dccfb8c2-9bd4-46a0-8c75-2f53b358e7f8": "What type of legal matters are referenced in the document under \"Legal Proceedings\"?", "ea94a0a0-5008-4fd8-b17b-d798a2f674c5": "How many registered shareholders of common stock did Bank of America have as of February 16, 2024?", "8ecece08-534d-42f6-966f-0421e90976d8": "What is the status of the Bank of America Financial Centre located in London, UK?", "6a578180-0b14-4f75-9e31-c6ec871f7013": "What is the general character of the physical property for the Cheung Kong Center in Hong Kong?", "0c05eef3-2062-4a8f-b0c9-38ac2073c2a9": "What actions does the Corporation regularly evaluate regarding its owned and leased real estate?", "712e2a6a-07fd-4741-bcbf-0dfa815d8594": "What was the total amount of common stock repurchased by the Corporation during the three months ended December 31, 2023?", "0ee7905e-8263-4366-a6db-9275dad983bb": "How much was the weighted-average per share price for common shares purchased in November 2023?", "67888fa0-54f2-4768-b449-4acb102697b2": "What is the primary source of funds for cash distributions to shareholders by the Corporation?", "737e9a9b-72f4-4183-ac7b-9530ae47f158": "What regulatory requirements must the Corporation's bank subsidiaries adhere to regarding dividend payments?", "e7107e83-b258-4d58-8a6d-3f3b03a58208": "How many shares were repurchased as part of publicly announced programs in October 2023?", "ab243c02-f26e-4cf5-b5e8-2616a37198f8": "What was the total remaining buyback authority amount as of December 31, 2023?", "63acb740-375f-4674-ad7e-177f9a15d731": "In what year did the Corporation's Board of Directors authorize the repurchase of up to $25 billion of common stock?", "e23eeb49-ad7a-48fe-b8d1-218028722826": "What modifications were made to the October 2021 Authorization in September 2023?", "cfb6b370-9745-4e46-bc29-a7be67a689eb": "Did the Corporation have any unregistered sales of equity securities during the three months ended December 31, 2023?", "4fba2b23-157f-4a2b-88f5-25058173111c": "How many shares were acquired by the Corporation to satisfy tax withholding obligations on vested restricted stock or restricted stock units?", "7eef2676-73de-4dbc-bb67-9949e0dfc4c6": "What are the key components included in the Executive Summary of Bank of America Corporation's management discussion?", "2b7fd285-9f10-40c4-b7ed-5fd4e2c9043e": "How does Bank of America manage its liquidity risk according to the document?", "fce237e4-a6c5-4d42-a281-d4d0130407fa": "What are the main business segments discussed in the financial analysis of Bank of America Corporation?", "ee561f09-8c71-4e7b-87df-96aa57970858": "What is the focus of the section on Consumer Portfolio Credit Risk Management?", "8b4c2691-7c8f-4f42-aa8a-068ab62f510b": "How does Bank of America approach climate risk management as outlined in the document?", "41d25c3d-40bc-41b9-b77b-20219a9c1969": "What type of financial highlights are presented in the management's discussion and analysis?", "c177a435-6bcc-42df-86e9-30bccac7d1ba": "In what ways does Bank of America address reputational risk management?", "73dee678-a71f-4a4e-b6d8-9abd398110b7": "What is the significance of non-GAAP reconciliations in the context of Bank of America's financial reporting?", "c9cf5862-4777-4107-b117-cc961e37f6b3": "How does the document describe the management of trading risk at Bank of America?", "d12ee152-4061-4151-b2eb-737cf981cbfe": "What information is provided regarding the allowance for credit losses in the financial condition analysis?", "cc1a1ffb-cc09-4e1d-9798-b99451643c6b": "What are forward-looking statements as defined by Bank of America Corporation in their Management\u2019s Discussion and Analysis?", "04e5ea63-e21a-4261-819a-f052f2e7d2ec": "Which words or phrases are commonly used to identify forward-looking statements in the document?", "b9b136a1-fdcf-4bd1-968c-b42fb5390d1d": "What are some of the risks and uncertainties mentioned that could affect Bank of America Corporation's future results?", "1add6439-8067-4e40-a27e-224776f066a3": "How does Bank of America Corporation suggest that actual outcomes may differ from forward-looking statements?", "f3fb5dad-809b-4721-822c-70dcba674038": "What specific government programs related to the COVID-19 pandemic are mentioned in the document?", "953bb1de-0d79-4117-a419-ea5eafae599c": "What potential financial impacts does the document highlight regarding the discontinuation of reference rates?", "edaad10c-924b-49fe-bd78-7a427232b182": "How does the document describe the Corporation's exposure to non-U.S. jurisdictions?", "db245ccf-4516-497d-adfd-205839b0013f": "What factors are listed that could influence the Corporation\u2019s financial condition and results of operations?", "368034e8-cc41-4b68-9652-b050dd98c0ae": "What are the implications of adverse developments in the U.S. or global banking industry as discussed in the document?", "b52d5cc9-c410-41a8-9edc-75d1b9d0e5e2": "What does the document say about the Corporation's ability to manage future credit losses?", "f4c33982-f15c-4645-a1f8-4e34a95b3538": "Based on the provided document, here are 10 diverse questions that cover different aspects of the content:", "f7489a25-3caf-4da9-bd49-b15aa7e09640": "What factors are mentioned that could impact the Corporation's financial condition and results of operations?", "af86ed13-9975-4f1b-bad9-fce956ff7d64": "How might geopolitical instability affect the Corporation's business?", "9a4deb81-14c9-48ee-84cc-15ce160f84a0": "What are some potential risks related to the Corporation's concentration of credit risk?", "d573ffd8-2c9f-4eb4-878f-d641d2537fa9": "What role do credit ratings from major agencies play in the Corporation's financial health?", "d3478c51-1f45-4951-95d5-eb4267968f4c": "How could changes in economic assumptions lead to credit losses for the Corporation?", "e7a7c721-26c0-44fa-b8fb-16b7c2827922": "What are the implications of cybersecurity incidents on the Corporation's operations?", "846e321e-dcfe-4189-b67c-dcde4c8735d1": "How does the Corporation plan to address the impact of climate change on its business?", "cde7e8c5-5f60-4a3a-8867-25d3083121f3": "What regulatory requirements are mentioned that could affect the Corporation's capital plans?", "bbff1299-b23e-4f42-b81a-bb8f3e221b86": "How might supply chain disruptions influence the Corporation's economic conditions?", "4ec575c6-c974-485f-a604-b0735eb5b409": "What is the primary business structure of Bank of America as described in the document?", "359ed624-d8ed-491c-95b5-8b9268fb4766": "How many employees did Bank of America have as of December 31, 2023?", "e5f38499-df8e-4985-86c4-2aef272e4905": "What are the four main business segments through which Bank of America operates?", "748db4e0-2f99-4da7-9da3-0cc21c08bc38": "What significant financial event occurred on January 31, 2024, regarding Bank of America's common stock?", "f3904491-f228-4b22-98a8-04df16b7659b": "How much was the non-cash, pretax charge recognized by Bank of America due to the future cessation of BSBY?", "ba398ae0-cbf5-48d0-a5b9-a71a6eb5d227": "What was the estimated amount recorded by Bank of America for the FDIC special assessment in the fourth quarter of 2023?", "82c692ae-3e42-4afe-9d21-57a7a19e702c": "In how many countries does Bank of America serve clients as of December 31, 2023?", "c53fe3a9-6d66-43f8-884c-011d3a44707c": "What is the total asset value of Bank of America as reported at the end of 2023?", "ec76ad38-a1d1-4b02-aca6-08b376189544": "How many retail financial centers and ATMs does Bank of America operate?", "76d2c858-4b9d-401d-a486-cdd0876b8280": "What impact did the closure of Silicon Valley Bank and Signature Bank have on Bank of America's financial reporting?", "6cf6d595-50a1-4fab-bea1-e3e874deb76f": "What was the amount recorded by the Corporation as noninterest expense for the FDIC special assessment in the fourth quarter of 2023?", "f3733223-90a7-4736-979e-b1465858c188": "Which two banks' closures prompted the FDIC to issue a special assessment on November 16, 2023?", "b3f0b0b2-42e2-4db9-9ad4-d72321da17aa": "How did the net income for the Corporation in 2023 compare to that of 2022?", "9ec4d563-ddd2-4fa1-b48e-aa5563503cc1": "What was the total revenue, net of interest expense, for the Corporation in 2023?", "c834601e-67f6-482f-8a1d-6d912c9c9499": "What is the return on average common shareholders\u2019 equity for the Corporation in 2023?", "f8e43cc4-b565-433c-bccf-74950a204202": "How much did the Corporation report for total deposits at year-end 2023?", "4679892d-22e7-42d7-96e8-eefceb16f040": "What was the provision for credit losses recorded by the Corporation in 2023?", "c7dfe014-d5f9-4794-a1e6-5f89994e8fc3": "What was the diluted earnings per share for the Corporation in 2023?", "0a92e2d6-8103-4e4c-8966-8daedd1aea6e": "How does the efficiency ratio for the Corporation in 2023 compare to that of 2022?", "fe76be66-acb5-4b7e-a288-64e6fb464f31": "Where can one find the reconciliation for the non-GAAP financial measure of return on average tangible common shareholders\u2019 equity?", "e636f728-086c-41da-8f0e-efea726ac673": "What was the increase in net interest income from 2022 to 2023, and what was the total net interest income for 2023?", "27480888-15c5-40ae-867f-bda5753a32f1": "How did the net interest yield on a fully taxable-equivalent (FTE) basis change from 2022 to 2023?", "41290dce-be71-4594-9e50-98b55ca4ec7c": "What were the primary factors contributing to the increase in net interest income in 2023?", "506ae0cc-bfb5-49a1-9b2f-39f1108dac2f": "By how much did noninterest income decrease from 2022 to 2023, and what was the total noninterest income for 2023?", "fdc56f57-9ceb-4ae7-a1ba-35ff29451ac4": "What specific changes led to the decrease in service charges in 2023 compared to 2022?", "a686c760-2aa9-4958-9953-5aa50ef3d03d": "Which category of noninterest income saw an increase in 2023, and what were the main drivers for this increase?", "5c1a83f8-223a-4b8a-9db0-bd9a6d3a7f7f": "What was the total provision for credit losses in 2023, and how did it compare to the previous year?", "0a815139-d8fa-48b9-9bfd-bfa86312478b": "What factors primarily influenced the provision for credit losses in 2023?", "6f2da8f7-efa9-4c6b-8d97-5bbf1b989d00": "How did investment and brokerage services revenue change from 2022 to 2023, and what were the reasons for this change?", "ea91dd5c-9be2-4e8d-baae-7bddcf89db1c": "What impact did higher interest rates have on market making and similar activities in 2023?", "92cd2db2-913c-4516-95ff-7a9745213579": "What was the increase in the provision for credit losses from 2022 to 2023, and what was the total provision for credit losses in 2023?", "d9005812-b657-4506-8ae8-061a86b26b21": "What factors primarily drove the provision for credit losses in 2023 compared to the previous year?", "8bc8c279-6143-491f-8fd4-fbc9993fbb72": "How much did noninterest expense increase from 2022 to 2023, and what were the main reasons for this increase?", "b106c349-87eb-403b-84ab-cbf6b8f6d9cc": "What specific amount was attributed to the FDIC special assessment in the noninterest expense for 2023?", "74551a3d-2dab-445d-9c0a-73d45c1f6aa2": "What was the income tax expense for 2023, and how did it compare to the income tax expense in 2022?", "93a03b21-34ce-464b-8928-caf5470f3177": "What was the effective tax rate for 2023, and how did it differ from the effective tax rate in 2022?", "d7c5b741-c2ba-463b-b437-bec2e8e25105": "Which tax preference benefits contributed to the effective tax rates for both 2023 and 2022?", "9e49d526-e617-4014-9fcd-616fcb2956bd": "What would the effective tax rates have been for both periods if tax credits related to tax-advantaged investments and discrete tax benefits were excluded?", "b3b7c02b-2024-4288-9871-caf04fafd9dc": "What were the total noninterest expenses reported for 2023, and how do they compare to the total for 2022?", "3670b3c3-7509-4404-9d4f-4a6b66fc093a": "What impact did improved macroeconomic conditions have on the provision for credit losses in 2023?", "ffddcd1f-7bc4-4cac-ab85-03a7d53c640e": "What was the total asset value reported on the balance sheet as of December 31, 2023?", "a8701519-d6d9-4cc5-9af1-cd86efa59542": "By how much did cash and cash equivalents increase from December 31, 2022, to December 31, 2023?", "32bb4942-3c27-471b-a4eb-0415954567b8": "What are the primary components of trading account assets mentioned in the document?", "cde7ebfc-4c19-4fa5-aeaf-c054a80ef08e": "What was the percentage change in federal funds sold and securities borrowed or purchased under agreements to resell from 2022 to 2023?", "830614b7-0ba0-4f6a-9bad-456747943942": "How much did total liabilities increase from December 31, 2022, to December 31, 2023?", "ccb190e6-5656-46f9-bbed-bdb213325246": "What factors contributed to the increase in debt securities as reported in the balance sheet?", "57b2f00e-0904-4a37-9d65-32d326dfa87c": "What was the value of shareholders\u2019 equity on December 31, 2023?", "f24e6212-8fc8-4b19-89d7-1090667a67f9": "Which category of assets experienced a decrease of $18.8 billion, and what was the primary reason for this decline?", "1821e9e6-0b3a-46fc-a464-cd6bc31abca5": "What is the significance of federal funds transactions as described in the document?", "fc061911-07dc-44fd-ac66-784e5c96d66f": "How did the allowance for loan and lease losses change from 2022 to 2023?", "67266fa2-5a2a-4baf-be6f-e8c80c7e3147": "What are the primary components of trading account assets as described in the document?", "5c7ffe56-8c84-4332-88ce-29747c76b9bb": "By how much did trading account assets decrease, and what was the main reason for this decline?", "fb75abe3-2150-4054-b03c-45fd5efc7774": "What types of debt securities are included in the debt securities portfolio mentioned in the document?", "f18c151c-aba4-4dec-95bb-ce8986aab6d7": "What factors contributed to the increase in loans and leases, according to the document?", "74cd1196-fb77-4294-8676-512c7cb96e34": "How much did the allowance for loan and lease losses increase, and what were the main drivers of this change?", "267087af-bc93-4594-a8d6-0b039850be18": "What was the total amount of liabilities reported as of December 31, 2023, and how much did it increase from the previous year?", "abf30c61-50fa-4fad-9841-1a9527b759b5": "What caused the decrease in deposits as outlined in the document?", "d4e800e1-90f7-4134-bd8d-cb0fa6facaf7": "How did Global Markets activity impact the increase in all other assets?", "926a1c6c-97bd-4373-869b-e0878665743d": "What is the purpose of federal funds purchased and securities loaned or sold under agreements to repurchase?", "b0f29bf1-7f3d-416d-82e9-4dc6480ad8a1": "What information can be found in Note 4 of the Consolidated Financial Statements regarding debt securities?", "81fc7766-1443-4ff3-b478-f277fa47a32a": "What was the primary driver for the increase in repurchase agreements mentioned in the document?", "b0259e4b-2f6e-4941-a707-78b7245b3988": "How much did trading account liabilities increase, and what was the main reason for this increase?", "4dce250f-bbf5-4804-a524-429afd524589": "What types of securities are included in the trading account liabilities?", "7f48e900-cb80-4168-ac70-9d96db56fd42": "What contributed to the increase in short-term borrowings, and how much did they increase by?", "b783e56b-2e3a-4aac-8d77-496470b41367": "What factors led to the increase in long-term debt, and what was the amount of this increase?", "c3ac2571-5494-4412-a1cf-c659365a803d": "How did shareholders' equity change, and what were the main factors influencing this change?", "80ea2eef-5240-4d1f-b4fb-382629978a9d": "What are non-GAAP financial measures, and why are they presented in the document?", "106b0435-0631-4dc1-8bdc-50e9c2dc1724": "How is net interest income adjusted to reflect tax-exempt income on an FTE basis?", "06f7668a-62d2-40de-9fdb-60711b1f95eb": "What is tangible equity, and how is it calculated according to the document?", "1042e101-52d2-4f01-826d-f4c856e9f0e0": "What does the cash flows overview indicate about the Corporation's ability to fund its operating liquidity needs?", "7408786a-a713-46c6-99b7-df79a921e42c": "What are non-GAAP financial measures, and why does the document suggest they are useful for assessing operational performance?", "245022bd-5dae-4f79-866e-94892d5c5a4c": "How is tangible equity defined in the context of the document, and what components are excluded from its calculation?", "018b0bb5-be21-439b-a43d-e7700b0850a9": "What is the formula for calculating the return on average tangible common shareholders\u2019 equity?", "80462186-2173-468f-9edb-257bc09b59f6": "How does the tangible book value per common share provide insight into a company's financial health?", "2f71bb6e-43d6-4c80-92a0-fe5b49791356": "What are the key performance indicators mentioned in the document, and how do they assist management in evaluating business performance?", "985815af-0121-4629-9a13-01d57bcf848c": "What is the significance of excluding items like debit valuation adjustment (DVA) gains (losses) when presenting key performance indicators?", "f845672d-1e78-439a-a2b7-3acea452ba3f": "How does the document describe the relationship between tangible equity ratios and overall growth objectives?", "55f52585-9d9b-4738-ae67-4a31cc2c2059": "What information can investors glean from the reconciliation of non-GAAP financial measures to GAAP financial measures mentioned in the document?", "63086ef0-b657-4e2a-80bb-d22e97c9d9bf": "What is the difference between adjusted average common shareholders\u2019 equity and adjusted average total shareholders\u2019 equity as described in the document?", "803f0b91-565f-4f8b-bc3c-28d9f93fd4a7": "In what ways does the document suggest that ratios utilizing tangible equity can enhance the understanding of a company's income-generating assets?", "cfed7eaf-d14c-497a-ba72-2ce9fcae9fa3": "What are the key performance indicators (KPIs) mentioned in the document, and where can one find their definitions?", "08b171a0-7be7-44ac-b8aa-0d3bde345176": "How did the net interest income for 2023 compare to that of 2022 and 2021?", "577c065b-9a10-435e-a1e2-258b70925997": "What was the total revenue, net of interest expense, for the year 2023?", "d061e2da-517a-4ea3-bb21-fc2ad988ca18": "What is the provision for credit losses reported for 2023, and how does it compare to the previous two years?", "48cacf58-f0f9-4647-8b69-db41e03d2054": "What was the net income applicable to common shareholders for 2023?", "33c7ffe3-b03c-4871-8ac3-64efca96f135": "How does the return on average tangible common shareholders\u2019 equity for 2023 compare to the previous two years?", "34e521ec-6b8f-4466-bf56-7e8706d81c36": "What was the dividend payout ratio for 2023, and how has it changed from 2022 and 2021?", "7c2b65d8-f07e-4f66-9284-ad9d34b465b0": "What is the market capitalization reported for 2023, and how does it compare to the previous year?", "b0ae4f5a-412d-4d65-880e-d80a5fc2600b": "What was the total amount of loans and leases reported in the average balance sheet for 2023?", "9050a992-c2d8-470c-8351-21679e2080ba": "How many nonperforming loans, leases, and foreclosed properties were reported in 2023?", "00a73e92-eced-4705-898d-577492b82683": "What is the total amount of assets reported in the document?", "016fef47-74bc-432b-95de-881f339e5434": "How much is the allowance for credit losses as stated in the asset quality section?", "1e28247b-442d-4844-a356-0d3307715ecb": "What percentage of total loans and leases outstanding does the allowance for loan and lease losses represent?", "20711ed9-d07d-410a-b048-ad53f4a8a21d": "What is the common equity tier 1 capital ratio at year-end according to the document?", "2a54ee1c-a684-43b3-8806-280d953191a2": "How much did net charge-offs amount to in the reported period?", "4738bc78-552f-459d-be72-34a876e93e7d": "What is the total shareholders\u2019 equity reported in the document?", "2ac67783-8de2-43a1-9fee-499a53774791": "What is the supplementary leverage ratio mentioned in the capital ratios section?", "eeffce10-1f9c-4085-babb-a20eb018c8e2": "How does the nonperforming loans figure compare to the previous year\u2019s data?", "266e450e-c3c8-482e-82f8-557c5c229c31": "What is the tangible common equity ratio reported in the document?", "5589413e-98a4-4d04-8add-b4dbd60f4d7a": "What additional information is referenced for understanding the capital adequacy assessment?", "2b5591c9-4b09-4031-be16-f73a9a330133": "What was the net interest income reported for the fourth quarter of 2023?", "9fd8a74e-bc3e-4263-a455-470a3a8dc1d5": "How does the noninterest income for the fourth quarter of 2023 compare to that of the third quarter of 2022?", "f8f10c0f-6a31-40f1-a3fd-e02726b8b1e6": "What was the provision for credit losses in the fourth quarter of 2023?", "a533eed3-98eb-461d-affd-cf2fbc4d1392": "What was the net income applicable to common shareholders for the first quarter of 2022?", "cf9663a6-eee9-4e08-8426-e624e3cdc8d4": "How did the return on average assets in the fourth quarter of 2023 compare to the four-quarter trailing return on average assets?", "846af2ca-de08-4a96-9b41-4c56467adf42": "What was the average diluted common shares issued and outstanding in the fourth quarter of 2023?", "04c70123-694b-4000-b3d7-a4eead5e54d3": "What was the dividend payout ratio for the fourth quarter of 2023?", "7dbd1a23-9212-48b5-be62-192da70a4ab8": "How did the total average equity to total average assets ratio change from the fourth quarter of 2022 to the fourth quarter of 2023?", "27831ad8-ae2e-4f9d-9eea-e285f098081e": "What was the income tax expense reported for the fourth quarter of 2023?", "0f7fda9b-9337-45a7-9e3c-8436cdd6c2ff": "What was the return on average tangible common shareholders\u2019 equity for the fourth quarter of 2023?", "b69350ce-70dc-4ded-939e-de13e37af786": "What is the total ending equity to total ending assets ratio reported in the document?", "9dfa8da1-a916-4bd5-948b-7e882a3d45f4": "How much was the diluted earnings per share in the latest reporting period?", "ddb396e9-062d-43ed-a3e0-7b9230db718e": "What was the market capitalization of the company as stated in the document?", "cf5a0f13-7a26-47fd-a784-4f8ae76a0f99": "What is the common equity ratio for the most recent period mentioned?", "04479677-5dd6-4e56-8df3-b776aca6ec65": "How much did the company pay in dividends per share during the latest reporting period?", "e443af9b-5964-4633-b617-a118db6dab47": "What is the total amount of loans and leases reported in the average balance sheet?", "a438d3ad-31d8-4cd8-b85e-7af814d30998": "What percentage of total loans and leases outstanding is represented by the allowance for loan and lease losses?", "50c754ab-76d1-4626-9c48-35c85b9b4c0a": "How has the allowance for credit losses changed over the reporting periods listed?", "3c3f6df8-0309-4d3c-8c86-63427e7bfeaa": "What was the book value per share in the most recent reporting period?", "3111a479-bc3a-468d-bb6e-8c1a1c402b96": "How many nonperforming loans, leases, and foreclosed properties were reported in the latest data?", "c2d3cb2b-3339-43b4-b6b6-a1dcbd183c59": "What is the total allowance for credit losses reported in the document?", "f0a10924-7f6f-4516-8741-ba9383af4d15": "How has the percentage of allowance for loan and lease losses as a percentage of total loans and leases outstanding changed over the reported periods?", "3cb2808f-2ce0-4703-94c1-f1c50f039e45": "What was the net charge-offs amount for the most recent period mentioned in the document?", "41d73462-c290-4af7-a77f-507685989af5": "What is the common equity tier 1 capital ratio at the period end?", "5a5cee10-3efc-4396-a9ec-5ba46de16f50": "How does the total loss-absorbing capacity to risk-weighted assets percentage compare to the previous periods listed?", "f07f521e-4319-4995-b6c8-5de9557a7ace": "What is the amount of nonperforming loans, leases, and foreclosed properties reported?", "81933676-9268-43e3-8193-7d62722d8196": "What is the annualized net charge-offs as a percentage of average loans and leases outstanding for the most recent period?", "0536127b-9caa-40c7-9c71-7b566df32a6a": "What is the tangible common equity ratio reported in the document?", "40a40eb6-3049-49a1-8a30-f33411bcf477": "How does the eligible long-term debt to supplementary leverage exposure percentage compare across the reported periods?", "dedba7d4-6526-4ab3-96e0-dff1a1249a76": "What are the definitions and explanations for the non-GAAP financial measures mentioned in the document?", "bbf3557e-e063-4e8d-8c3c-aa39397d7296": "What financial metric is calculated as total net income for four consecutive quarters divided by annualized average assets for four consecutive quarters?", "6e6905d4-ba2a-4db9-9502-6be8a8167bdc": "What are tangible equity ratios and tangible book value per share of common stock classified as in the document?", "e83ca466-93d8-43f1-931b-478254bd51b3": "Where can one find more information about the allowance for loan and lease losses and the reserve for unfunded lending commitments?", "ba9008a3-e0ed-450f-a8ac-2b19ac8bccbd": "What exclusions are mentioned regarding nonperforming loans, leases, and foreclosed properties?", "09d26e5f-8699-4ef0-8375-cb7e8ed6c7b8": "On which page can one find details about the approach used to assess capital adequacy?", "553c6380-4364-49c0-8bb9-b43966c978d2": "What is the eligible long-term debt to supplementary leverage exposure ratio mentioned in the document?", "ef7531f8-24b1-4993-aed2-31b539199119": "How many consecutive quarters are referenced in the calculation of the financial metrics in the document?", "483e04f9-ff7c-4acf-9ff9-f80e9b8f9b26": "What is the significance of the numbers listed (e.g., 14.5, 14.8, 15.2) in the context of the document?", "e6e3c7cf-6f11-483c-9546-6f413c3d569a": "What type of financial measures are non-GAAP financial measures referred to in the document?", "88bc7849-6808-44ff-b348-30997b7d0e22": "Where can one find the reconciliations to GAAP financial measures mentioned in the document?", "ef255938-e844-4613-af78-1d507e35cd37": "What are the average balances for earning assets in 2023 according to Table 8?", "4c809785-5cc3-464f-948c-fc4e540124a7": "How much interest income was generated from Federal funds sold and securities borrowed in 2023?", "1d40bc45-96bd-4439-b895-24538856605b": "What was the yield rate for loans and leases in 2022?", "4b8c173b-9d5f-4b05-965d-767b09b57c28": "Which category of loans had the highest interest rate in 2023, and what was that rate?", "abcdcc43-2a1b-4ae2-84ed-738d017bcb67": "What was the average balance of debt securities in 2021?", "7f12aaf4-01c4-4f9a-a549-c3153547ae3a": "How does the interest expense for time deposits placed in 2023 compare to that in 2022?", "e8b3cd98-4112-4131-a8e1-d785e5c7d859": "What was the total consumer loan balance in 2023?", "304cf421-1415-4859-b8e0-9b383157dd22": "What was the interest income from residential mortgages in 2022?", "84cc6f36-e50b-44ef-98c3-f887889c1da9": "How did the average balance of U.S. commercial loans change from 2021 to 2023?", "ab0ceece-daef-4070-9de2-186fa4f885e9": "What is the yield rate for interest-bearing deposits with the Federal Reserve in 2023?", "dc850684-b38a-45fa-8c0b-e2ec0d96e85e": "What is the total amount of commercial loans and leases reported in the document?", "8376c154-88ce-408b-90c1-379114f22979": "How much are the total earning assets as stated in the document?", "ce7b669e-3b52-41b9-8b4e-50a4f9eee4a0": "What is the interest rate for U.S. demand and money market deposits?", "42948d8e-88ef-4ef9-bdf0-ac77f8d3234f": "What is the total amount of non-U.S. commercial loans mentioned in the document?", "a9598bf1-512c-40c8-8bec-726e0234af35": "How many other earning assets are listed, and what is their total value?", "1fac588c-c77c-480f-a171-48fc7010034b": "What is the average interest rate for commercial real estate loans according to the document?", "633eb733-ebc3-4131-bd26-2b4e91db6569": "What is the total value of cash and due from banks as reported?", "e5838582-7716-4193-8d0c-bbece740dd6d": "How does the total assets figure compare to the previous two years mentioned in the document?", "4d5b6718-a5a7-4f7e-8899-ecc1ac689eb8": "What is the interest rate for time and savings deposits in the U.S.?", "69bda04e-d94f-420c-90e0-40b78fccd7af": "What is the total amount of interest-bearing liabilities reported in the document?", "49e4120d-d26c-46e5-ae23-7120198be5d6": "What is the total amount of U.S. interest-bearing deposits reported in the document?", "733b7550-8779-4405-b059-08da16e870c2": "How much net interest income is generated according to the provided financial data?", "3dd6da4c-761e-4f20-88df-97cd680e6e8b": "What is the yield on earning assets as stated in the document?", "1285ab39-6f31-4394-8c15-9f607426ee8c": "What percentage of non-U.S. interest-bearing deposits is reported in the document?", "566bc1d4-f4a7-4c95-8ecd-8f74418549f5": "How does the net interest spread for the current year compare to the previous years mentioned?", "de137416-4d27-4409-bce8-bbea571bc5f7": "What are the total liabilities and shareholders\u2019 equity as reported in the document?", "29f2ef03-8483-44da-8245-9dc16f336add": "What is the amount of noninterest-bearing deposits listed in the financial data?", "c437d196-1da7-4843-a77d-ea2251ad75a2": "How much is the total interest-bearing liabilities according to the document?", "6053e008-89bd-459a-82d3-1c4bb2e0a48d": "What is the impact of noninterest-bearing sources on net interest income as indicated in the document?", "17c29000-6d4b-4c7a-838d-57e98ecc8d2a": "What specific information is provided regarding nonperforming loans in the financial data?", "45c481d5-4c7d-4131-bb18-7b68dc9b2c1f": "What is the total amount of U.S. commercial real estate loans reported for the year 2023?", "1cfef644-81b4-4e78-bb19-f92e359c0325": "How are income from nonperforming loans recognized according to the document?", "8ef9a3d3-8e63-4fad-80ae-cf3eb05aebb1": "What adjustments are included in the net interest income for the years 2021, 2022, and 2023?", "73cd4288-2711-4657-bac8-5808ef9217ab": "What is the trend in non-U.S. commercial real estate loans from 2021 to 2023?", "a524ade9-cc1a-4cd3-b5e1-16017b12e2a3": "How much structured notes and liabilities were reported for the year 2022?", "49612e7d-575c-4e9a-910c-75b3c9c1aa10": "Where can one find more information about interest rate risk management for the banking book?", "998a81ae-4ddb-41de-9c74-56d24b7bcfdd": "What is the significance of the FTE adjustments mentioned in the document?", "093d386a-30bf-4fc9-8e9f-2c40207f0c59": "What accounting principle is referenced in relation to negative interest?", "2c087277-bd0c-467f-aaf4-61ad6140cc3a": "How do the average loan balances include nonperforming loans?", "766f8dc9-d002-4913-9872-860e5ae733c5": "What were the amounts of non-U.S. commercial real estate loans for the years 2021 and 2022?", "2be4c471-d915-4212-bd17-76f0419818d0": "What is the net change in interest income from 2022 to 2023 as indicated in the document?", "47f1ce9d-8269-4f9c-ad16-5e22d6cbfde2": "How much did interest income from residential mortgages change from 2021 to 2022?", "450f0724-a24c-419f-87e7-0061ef495257": "What was the impact of volume changes on interest income from trading account assets between 2022 and 2023?", "0e64325c-1c50-492b-89c6-92ad9be6fea1": "Which category of loans and leases experienced the highest increase in interest income from 2022 to 2023?", "f6880a64-9c06-4e51-b391-714f234222a4": "What was the total increase in interest expense for U.S. interest-bearing deposits from 2021 to 2022?", "d6a32c75-a57c-4c56-9139-da2471cdc0b7": "How did the interest income from debt securities change from 2022 to 2023?", "98c8ee54-9b48-45ef-a73f-526636426986": "What was the net increase in interest income due to changes in other earning assets from 2021 to 2022?", "2d6ebabb-a7c1-4bd6-9f25-490d6002a43c": "Which type of consumer loan saw a decrease in interest income from 2022 to 2023?", "3f0a5328-0c09-40c2-98d7-4859c4e58aeb": "What is the total amount of interest income attributed to U.S. commercial loans in the analysis?", "b30b9e7a-6883-4787-9102-509c127b4b94": "How did the interest expense for time and savings deposits change from 2021 to 2022?", "23eec4f1-8696-44dd-96bc-b69e57b79f61": "What are the total U.S. interest-bearing deposits reported in the document?", "393d5bb7-6454-43c2-b9c4-d2f9bcb733b1": "How much did the non-U.S. interest-bearing deposits amount to?", "d7357faa-6997-44d7-9635-4d09e0cc4d57": "What is the net increase in net interest income for the period described in the document?", "cef80cd1-05c5-47c3-a54b-fbc0eb23e2b9": "What categories of interest-bearing deposits are mentioned in the document?", "f99ec2e1-3d28-423c-8a86-61e4ca94d625": "How much did the long-term debt increase according to the provided data?", "bf2f38ab-2403-4492-8925-b968e28ba88d": "What is the total amount of federal funds purchased and securities loaned or sold under repurchase agreements?", "966824a6-caa6-464b-a476-69ce984fd132": "What adjustments were included in the increase in FTE basis from 2022 to 2023?", "1fb3d18a-fdb9-4cc7-baa5-37d446f1f7a2": "How is the change in interest income and expense categorized in the document?", "1fcca0c2-ecb9-412a-ae8d-9d3e7e80d0af": "What was the reported change in short-term borrowings and other interest-bearing liabilities?", "91c12c2c-68fd-4a59-92a4-ab5e831b2459": "What is the significance of the unallocated change in rate or volume variance mentioned in the document?", "0ac73b33-7c37-406b-9b33-79f88e138d35": "What are the four main business segments reported by the organization in the document?", "415db830-8ba4-4e78-bb77-a13dd8bdda58": "How is capital allocated to the business segments according to the document?", "54eb9236-909a-4eac-8738-bd13a5c64c7c": "What methodology is used to assess the internal risk-based capital models for each business segment?", "569aa5d2-4b42-496b-8d88-dc39cb71c8dc": "What does the term \"allocated capital\" refer to in the context of the business segments?", "d14dc2ff-ca1c-44f8-b884-b98add03cf8b": "Where can one find more information about the nature of risks associated with the business segments?", "6ffa396d-4f10-4e32-a44b-08ed1516fe40": "What are the key performance indicators mentioned in the document, and why are they considered useful to investors?", "54d094da-3f89-4dfb-b7e1-251294815b3f": "How does the organization report its results of operations, and what basis is used for this reporting?", "63dff1ff-0edf-4d5a-af31-3ba0f0126c00": "What additional information can be found in Note 7 regarding goodwill and intangible assets?", "6bf0b2d7-ff5d-4482-94ba-69127fa5fcae": "What is the significance of presenting financial information on an FTE basis as mentioned in the document?", "a733dbb8-37fb-44b1-a1a4-2d3e395ed73e": "Where can one find reconciliations to consolidated total revenue, net income, and year-end total assets?", "7bbdfb9b-19e6-4925-9132-80a9f78a5e9b": "What was the net interest income for Consumer Banking in 2023 compared to 2022?", "0e1693db-e9e3-4758-bb35-7c962b0793b7": "How did the total noninterest income change from 2022 to 2023 for Consumer Lending?", "3717cdc8-26c1-4d9e-833e-5415a3f59381": "What was the percentage change in net income for Total Consumer Banking from 2022 to 2023?", "6dbe5311-14fd-4987-a20f-7bbd45717a54": "What was the effective tax rate for Consumer Banking in 2023?", "c84b6df7-d75b-4ea6-8098-7e25f5921528": "How much did the provision for credit losses increase or decrease from 2022 to 2023 in Consumer Lending?", "c1681680-acbd-4ebd-8416-96821e6a00ce": "What was the total amount of deposits reported for Consumer Banking in 2023?", "37de7aef-3d23-4e16-b134-4654e5dc5b5c": "How did the efficiency ratio for Total Consumer Banking in 2023 compare to the previous year?", "ea121977-ef86-48e5-8ae8-674e7214b3d4": "What was the return on average allocated capital for Consumer Lending in 2023?", "39fa2405-2883-47e5-8881-32bc9a1c95fe": "What was the total assets for Consumer Banking at year-end 2023?", "7d270c1c-4abe-4fe4-ab48-63c8395d7f7d": "How much did the total loans and leases for Consumer Lending increase from 2022 to 2023?", "fa59b8a4-a6db-4c85-9326-b559ea97cf4e": "What was the net income for Consumer Banking as of December 31, 2023, and how did it change compared to the previous year?", "e313fc0d-11ff-491c-8c99-4f005c26df89": "What factors contributed to the increase in net interest income for Consumer Banking?", "157e3d70-6407-4e5f-8380-24fd5a883d14": "How many financial centers and ATMs are included in the Consumer Banking network as of December 31, 2023?", "75a3005c-19b7-4e39-a601-4afca9a5f634": "What was the total provision for credit losses for Consumer Banking, and what primarily drove this increase?", "e662329e-be9e-4aab-bc09-a34bc4241836": "What types of deposit products are offered under the Consumer Banking segment?", "d325ad31-bb01-4211-a73c-53487339f2af": "How did noninterest income for Consumer Banking change, and what were the main reasons for this change?", "ccd3075f-375a-4325-8f4a-cdb17e507d11": "What was the return on average allocated capital for Consumer Banking, and how did it compare to the previous year?", "9e9ba936-c84d-45fb-974e-82d482b9cc4d": "What investments contributed to the increase in noninterest expense for Consumer Banking?", "8252bfc0-af57-406d-b5ce-54ac7f319479": "How does the allocation of net interest income to deposit products work within the Consumer Banking segment?", "121db155-7757-4de5-b991-904f2a430168": "What impact did changes in non-sufficient funds and overdraft policies have on noninterest income for Consumer Banking?", "21a3b1d6-f0d4-445d-99ac-b04922c299ec": "What was the return on average allocated capital for the period mentioned in the document?", "50a385df-ae74-4635-bc99-87fdd8a682e0": "What factors contributed to the decrease in the return on average allocated capital from 31 percent to 28 percent?", "c6149a00-c76f-47b9-95c6-b3dba981f0f1": "What types of deposit products are included in the Deposits section of the document?", "45147376-ffed-4a77-b1b5-9a31213c3a91": "How does the funds transfer pricing process allocate net interest income to deposit products?", "803e4877-c1fa-49de-8dbd-6170d66fbc30": "What types of fees does the Deposits segment generate?", "3edd6d5e-64ec-4d37-9fed-7f0b309cf8d3": "What services does the Merrill Edge platform provide to investment clients?", "99ecd48c-65bd-4982-ba08-c3ccb445b1ef": "What is the significance of matching assets and liabilities with similar interest rate sensitivity in the context of deposit products?", "6b4026a3-a395-408c-b4bc-c56e894a144b": "How does the document describe the relationship between consumer deposit activities and small businesses?", "aa272555-416e-4bff-a867-78bcf972c90e": "What are some examples of investment accounts mentioned in the document?", "4dfb008e-489f-4243-b99a-210add3a47c9": "Where can one find more information on capital allocated to the business segments as referenced in the document?", "4145be29-dea7-4a2b-b2de-f4eb58555542": "What was the net income for Deposits in 2023, and how did it change compared to the previous year?", "acf211b8-2ff7-423d-8945-8dafc7410145": "What factors contributed to the increase in net interest income for Deposits?", "75583668-3a43-4349-b264-0b6d487a87d5": "How much did noninterest expense increase for Deposits, and what were the primary reasons for this increase?", "175e558a-010f-4e40-8ad4-20ac8b297bde": "What was the average decrease in deposits, and which categories experienced net outflows?", "afd5384d-0d7a-45c6-91d6-710fff58a885": "How many active digital banking users were reported in 2023, and how does this compare to 2022?", "1ca7af1d-c54a-4c48-bb84-1dca0243a09e": "What was the total amount of consumer investment assets in 2023, and how much did it increase from the previous year?", "bb42ccaa-78df-4d14-8960-2f17450399da": "What products are offered under Consumer Lending, and how do they generate revenue?", "2524e751-887c-43dd-8249-a89944334bdb": "How did the provision for credit losses impact net income for Consumer Lending in 2023?", "8417b367-01d3-43fc-9760-aca64359d838": "What was the change in average loans for Consumer Lending, and what primarily drove this change?", "7506809d-fbd7-4f01-8d06-a5d56e01d017": "How many financial centers and ATMs were reported in 2023, and what trend does this indicate about the consumer banking network?", "ea15f4e2-31f1-49f6-b2b3-3a29bc4be280": "What was the increase in net interest income for the year, and what primarily drove this increase?", "4d43e2a4-efc1-4bd8-b247-27b7fbace94d": "How much did noninterest income change compared to the previous year, and what was its total for 2023?", "bf247cd0-084b-4043-80e2-d2f7c025c620": "What factors contributed to the increase in the provision for credit losses during 2023?", "8a05bd46-5188-4e66-bd81-164f0b5217fe": "By how much did average loans increase in 2023, and what type of loans primarily drove this increase?", "7d424250-d58e-4c7a-b9ab-c6212ac6dff7": "What was the gross interest yield for total credit card loans in 2023, and how does it compare to the previous year?", "4d5342b3-be23-4aee-adcb-a7539bc715b3": "How did the total risk-adjusted margin change in 2023, and what were the main reasons for this change?", "c25bd383-a91d-45f5-a80f-33ee2d3b05e7": "What was the total amount of debit card purchase volumes in 2023, and how much did it increase from the previous year?", "7855e73b-a336-4e45-b76f-aeb94263454a": "What were the first mortgage loan originations for Consumer Banking in 2023, and how did this figure compare to the previous year?", "0954234d-f047-4e48-a91b-e0180ad0ab3e": "How much did home equity production increase in Consumer Banking during 2023, and what was the primary driver for this increase?", "78782a98-4ad3-4784-bf43-45a9affd8a98": "What are the key performance indicators used by management for Consumer Lending, and why are they considered useful to investors?", "5c221c75-9226-43fc-92cf-1532e292a22a": "What was the net income for Global Wealth & Investment Management (GWIM) in 2023, and how did it compare to 2022?", "8221ecf3-c069-42f5-8d16-146f0b16dc28": "Which two primary businesses make up the Global Wealth & Investment Management division?", "bfb805ee-f8b0-43ec-95eb-f6cdfb94c5f1": "What factors contributed to the decrease in net interest income for GWIM in 2023?", "dfd7b36c-2afe-424a-b82e-e63a2dde0a96": "How much did noninterest income decrease in 2023, and what were the main drivers of this decline?", "aeb2aa84-749c-40b1-b107-f5cce0057e8d": "What was the efficiency ratio for GWIM in 2023, and how did it change compared to the previous year?", "fae5aa97-e383-4d79-b94e-f44bb1bf7c3b": "What was the return on average allocated capital for GWIM in 2023, and how does it compare to the previous year?", "58e666cb-8ab5-40b2-a742-e76974917731": "How did average deposits change from 2022 to 2023 for Global Wealth & Investment Management?", "b593a903-899c-4750-990a-9361b86a7fe3": "What were the primary reasons for the increase in noninterest expense for GWIM in 2023?", "4e01de99-6131-4f50-8f6b-204e8828a0c3": "What was the effective tax rate for GWIM in 2023, and how did it compare to the previous year?", "e573f0ea-ce2f-47dc-b9c9-208ca6fb27b1": "How did the total assets of GWIM change from 2022 to 2023?", "287d39b7-e7ab-446c-9994-55c3a365addc": "What were the primary factors contributing to the decrease in transactional revenue and asset management fees mentioned in the document?", "b281cfd7-81ba-49e1-8fc5-c9e7d6776b54": "By how much did noninterest expense increase, and what were the main reasons for this increase?", "764bed88-2559-4546-8fa8-358298344cf7": "What was the return on average allocated capital, and how did it change compared to the previous period?", "3d5697c1-d03d-4699-9163-61fab8240541": "How did average loans and average deposits compare to the same period a year ago?", "cd70d249-f359-4481-ad59-ccfd2901ce9c": "What was the revenue for Merrill Wealth Management, and what were the key factors that led to its decrease?", "bf24a351-a1ab-4f40-b499-b48cb94e3a11": "What drove the one percent increase in revenue for Bank of America Private Bank?", "2dea47dd-5110-472a-b75c-88cc972c593a": "How did the decline in AUM pricing affect the overall financial performance as described in the document?", "7ca83e12-0db3-400a-81d4-017946e08674": "What impact did clients moving deposits to higher yielding investment cash alternatives have on average deposits?", "81a47ec8-aa58-408a-a123-d2d1830b20c1": "What was the total average deposits reported in the document, and how did it change from the previous year?", "bf86f154-05de-4855-9922-397da31aa064": "What strategic investments were mentioned as contributing to the increase in noninterest expense?", "f1d1033b-1752-49b7-a6f8-6095ea9879cd": "What was the total revenue for Merrill Wealth Management in 2023?", "03579021-2e4d-4f05-a40e-fb87e88e7b86": "How much did client balances increase from 2022 to 2023 in dollars?", "16b4bf42-c096-4748-87a7-73360392af7f": "What are the total client balances at year-end for Bank of America Private Bank in 2023?", "8b4602d7-7041-4955-b5d3-9f314f0aa560": "What was the market valuation/other impact on assets under management in 2023?", "c3aa38aa-d4a4-4bc8-9e1f-2c8d9cda64dd": "How many total wealth advisors were reported at year-end 2023?", "1f56aa2c-22c1-4554-a095-5f70d6bf4ffd": "What is the total amount of assets under management at the end of 2023?", "5dffc8f9-572b-4550-aab3-f8d6b26c1b7c": "What percentage increase in client balances was observed from 2022 to 2023?", "f75c0e25-0070-41c6-9b91-3677b580a88c": "How do the brokerage and other assets compare between 2022 and 2023?", "0fbca8ac-b942-4758-aff2-da8ce71df5e9": "What were the net client flows for assets under management in 2023?", "7255aefa-4274-4b89-a52a-439bf334c9cc": "What factors influence the asset management fees charged to clients?", "fe06de6d-adcd-4a74-a9ec-8a87725cb6f3": "What was the net income for Global Banking in 2023, and how does it compare to 2022?", "0d1bae0a-a6aa-4172-8749-d5f98f315b21": "How much did net interest income increase in 2023 compared to the previous year?", "011cef8c-5f3d-4803-a05e-11611318f67a": "What factors contributed to the increase in noninterest income for Global Banking in 2023?", "a86bb4f5-8a52-4d5c-8d54-7d112f9fe0b0": "What was the provision for credit losses in 2023, and how did it change from 2022?", "d0a68938-c38e-48a7-ba19-c5295ed24c61": "How did the effective tax rate for Global Banking in 2023 compare to that of 2022?", "c5c75c15-d75b-4af7-8ded-0bea1da10e8a": "What types of clients does Global Corporate Banking serve?", "dc7f2ebb-29ac-4ada-a704-01607c6c099f": "What was the total amount of deposits for Global Banking at the end of 2023?", "07517c0b-d70e-4a83-a4d2-d7021c40f94a": "How did the return on average allocated capital change from 2022 to 2023?", "4a562ee8-14a1-44ab-8f0b-463b5f3584d1": "What were the primary reasons for the increase in noninterest expense in 2023?", "60a1e7a7-ebc0-4ad6-93d6-5c8358497fa9": "What services are included in the treasury solutions business offered by Global Banking?", "71fa8911-de3d-48c9-84f6-290821b7d1ae": "What was the increase in net interest income reported in the document, and what primarily contributed to this increase?", "bc83cd3d-2975-402f-a12a-02cee4c36d2f": "How much did noninterest income rise, and what were the main factors driving this change?", "b06303e6-0938-40c3-80ea-321395453368": "What improvement was noted in the provision for credit losses, and what was the primary reason for this improvement?", "70c831c1-9596-4ce3-ad96-ca00a116ca56": "By how much did noninterest expense increase, and what were the key reasons for this increase?", "a119e384-a992-4390-a635-476bdedf49e0": "What was the return on average allocated capital for the period, and how did it compare to the previous period?", "9ff52c8b-ab39-4e4c-9a1f-24a5dd579987": "What activities are included under Global Corporate, Global Commercial, and Business Banking?", "2ff635dd-2433-43ff-a424-41b44614ca1b": "What types of products and services are encompassed within Business Lending as mentioned in the document?", "673dbe00-ae9e-4157-89ee-89cbd0d6a0f8": "What specific services are part of Global Transaction Services according to the provided information?", "41468602-ae63-4445-bc9b-4ebb05cef5ef": "How did higher interest rates impact the financial performance as described in the document?", "b5991a1b-4c71-435a-b9eb-dd56e367166f": "What were the effects of regulatory matters on noninterest expenses in the prior-year period?", "3e0b317c-3cd1-475f-8555-3849136d7b11": "What was the total revenue for Global Corporate Banking in 2023 compared to 2022?", "4f36a22a-13b3-4f0e-b547-674fbfa663f4": "How much did Business Lending revenue increase in 2023 compared to the previous year?", "b8ed0e6c-12c5-4643-b32a-7101f30b958c": "What factors contributed to the increase in Global Transaction Services revenue in 2023?", "a41c28d5-e414-46ef-9456-643e0caf7c32": "What was the average total loans and leases for Global Commercial Banking in 2023?", "a93c5135-66fd-4dc7-994b-93d0daab139d": "How did average deposits change from 2022 to 2023 in Global Banking?", "9b1dba19-765f-44a5-8d9a-6a9f96f131c6": "What internal arrangement exists between Global Banking and Global Markets regarding investment banking activities?", "fc665167-4092-4b4b-9a42-6b3edf35efae": "What was the year-end total deposits for Global Corporate Banking in 2023?", "7549d435-961a-42ed-b0ec-e8041d258a13": "How much did Global Investment Banking fees attributed to Global Banking amount to in the provided document?", "7327db55-d086-4ac0-9c08-cf01496378dd": "What impact did higher interest rates have on the revenue of Business Lending and Global Transaction Services?", "820f8702-7845-4883-b184-26d0243259df": "What was the total amount of average deposits for Business Banking in 2023?", "acb72afa-c4a0-47fc-b683-aab4371f19be": "What was the percentage increase in average loans and leases in 2023 compared to 2022?", "222e9b0c-aa90-46d2-8483-c5073dd86455": "How did average deposits change in 2023 compared to the previous year?", "f98c3666-4295-4e3e-b557-295c2067e087": "What services do client teams and product specialists in Global Investment Banking provide?", "4a945765-88f1-4ef7-ad27-10331b800a22": "What is the internal revenue-sharing arrangement between Global Banking and Global Markets related to?", "6a40e5b1-7a50-44d4-b790-76634a720bf4": "What were the total investment banking fees for the Corporation in 2023, excluding self-led deals?", "23b02c42-41cd-4b56-bf8f-dc7bd6037a22": "Which type of investment banking fees saw a decrease in 2023 compared to 2022?", "5cfcd248-b129-47a6-bd4d-06a945e96a9c": "How much did advisory fees contribute to Global Banking's total investment banking fees in 2023?", "a722c961-21b0-4ec3-9c35-bdea6842383c": "What was the total amount of equity issuance fees for the Corporation in 2023?", "de50a629-beff-478f-9165-0b2a0ae0a84c": "How much did self-led deals impact the total investment banking fees in 2023?", "345179b8-c8ff-4306-844e-9877e4f0ff41": "What was the total gross investment banking fees for the Corporation in 2022?", "7eb348f2-eaea-491d-9ae1-b340cfe849dc": "What was the total net interest income for Global Markets in 2023, and how does it compare to 2022?", "b2d02b64-5351-4c98-be2e-068f9ce905a3": "How much did noninterest income from investment banking fees change from 2022 to 2023?", "6dd23e15-affe-4c4a-9398-b3001d57dc6e": "What is the effective tax rate for Global Markets in 2023, and how does it compare to the previous year?", "7f904481-b8ab-4066-b1e6-1c0cb0121ec4": "What are the total trading-related assets for Global Markets at year-end 2023?", "0a9319cd-b5b7-4432-ac5e-4d61e1b1bba9": "What services does Global Markets provide to institutional clients?", "06fd9af9-616c-48ab-8965-4e52eaf11607": "How did the total deposits for Global Markets change from 2022 to 2023?", "7a26c1a5-e0d2-4f07-bb0f-8a4d2136bc86": "What is the return on average allocated capital for Global Markets in 2023?", "70a06308-3c8c-499e-b366-c4bf30943563": "What types of financial products does Global Markets manage risk for as part of its market-making activities?", "d712cc63-2231-4d0e-82b5-a2765fe9e47b": "What was the percentage change in total revenue, net of interest expense, for Global Markets from 2022 to 2023?", "2993a096-5f11-457e-a8cf-8e69a1a3bd6b": "How does the noninterest expense for Global Markets in 2023 compare to that of 2022?", "daade631-94c3-4589-bb6d-eb4169246fff": "What are the two main divisions involved in the revenue-sharing arrangement for investment banking and underwriting activities mentioned in the document?", "8ee135a7-6066-4d7b-a8fc-f4d585ef6816": "How much did the net income for Global Markets increase in 2023 compared to 2022?", "8f0d8b7f-8fd2-4735-9d56-6cd742564c11": "What was the net DVA loss for Global Markets in 2023, and how does it compare to the previous year?", "0eace3ab-f080-48f7-aba1-b25979972746": "By how much did revenue increase for Global Markets in 2023, and what were the primary drivers of this increase?", "f9fe953c-1367-402f-bea1-499be93fd01c": "What was the total sales and trading revenue increase for Global Markets in 2023, excluding net DVA?", "3ab4021c-25d8-47a2-b582-9b74cf074313": "What factors contributed to the increase in noninterest expense for Global Markets in 2023?", "fbb24620-a992-40c7-99d7-db43548f4957": "How did the average total assets for Global Markets change from 2022 to 2023?", "27b8af53-37f1-464b-9392-a3f7cfff9a78": "What specific area within Global Markets saw higher revenue contributing to the overall increase in sales and trading revenue?", "d13ecfbf-04fa-419f-80d7-8452d131dc4b": "What were the expenses recognized for certain regulatory matters in the prior-year period, and how did they affect the current year's noninterest expense?", "af2d8ea6-1df1-4c34-b910-836aec5a60cc": "Where can one find more information on investment banking fees on a consolidated basis as mentioned in the document?", "257f1752-d5dc-432e-bed9-768dfefaad5b": "What was the total sales and trading revenue for the year 2023 as reported in the document?", "96e46954-569f-47dd-9af3-9f2d701084c9": "How much did the year-end total assets increase from the previous year, according to the document?", "90c6a4d0-20aa-440d-b0cc-1b5008f7ae76": "What are the main components included in the sales and trading revenue as described in the document?", "86766e8e-3a6d-4dc2-98b2-d8f35bc6f265": "What was the return on average allocated capital for the year, and how does it compare to the previous year?", "95e5fcea-140d-444a-b506-2f0aef14de5c": "Which segment generated $654 million in sales and trading revenue for 2023?", "26e457e0-f4ba-47ed-b1bd-6ca448a38957": "What were the net DVA gains (losses) for FICC in 2023 and 2022?", "05ba7f56-dd6f-4503-9a75-80909bc0ecdf": "How did the sales and trading revenue for Equities change from 2022 to 2023, according to the document?", "b064ed17-03a6-47fa-859b-1cb74497e40a": "What factors contributed to the increase in FICC revenue as mentioned in the document?", "45121363-10f5-4a7e-8b26-ed843b7ec632": "What is the significance of net DVA in the context of sales and trading revenue?", "972cc7af-2d4d-4668-851c-2f894eb6928c": "How much did the sales and trading revenue, excluding net DVA, total for Fixed-income, currencies, and commodities in 2023?", "27136ae2-b58d-4894-a1bc-75b8cbcbcab9": "What was the net interest income for the \"All Other\" segment in 2023?", "d6593266-7763-4d08-b4f0-f1f63a956488": "How did the noninterest income change from 2022 to 2023 in the \"All Other\" segment?", "31952029-0587-4a90-8220-536b21c53e62": "What was the primary reason for the increase in net loss in the \"All Other\" segment in 2023?", "ae4db84d-882b-431e-be10-4d4f16f8f5b0": "What specific event led to a $1.6 billion net charge in noninterest income in 2023?", "d2a58d39-b020-434f-9b7a-c81cadb6c69d": "How much did noninterest expense increase in 2023 compared to the previous year?", "a0a04f9e-d79b-4cb2-9949-10a0ac1f011c": "What was the total amount of the income tax benefit reported for the \"All Other\" segment in 2023?", "6d1c5425-19d3-4fbc-abaa-07f5d114515f": "How did total deposits in the \"All Other\" segment change from 2022 to 2023?", "926f5c6d-81d7-4f3b-bee1-8ec74047988a": "What activities are primarily included in the \"All Other\" segment as described in the document?", "e1af1048-791a-45e1-a84d-356dbabc532b": "What was the impact of the FDIC special assessment on noninterest expense in 2023?", "5357c986-ed3a-4cdf-92f2-2006056ed345": "How did the average allocated assets for the \"All Other\" segment compare between 2022 and 2023?", "da0aca50-b474-4040-ab48-22b57d876474": "What was the primary reason for the increase in noninterest expense reported by the Corporation?", "9a647b08-853a-40be-96e6-7f6db70bca2e": "How much did the income tax benefit increase from 2022 to 2023?", "7c5b9946-6663-4fb9-9489-9f72fef1c66c": "What specific event led to the accrual of $2.1 billion for the FDIC special assessment?", "3ffbb3cd-4173-46d2-bca1-090b29956259": "What impact did the closure of Silicon Valley Bank and Signature Bank have on the Corporation's financials?", "76fd551b-f78f-47d5-b0cf-77f3a26a73fd": "Which business activities contributed to the higher costs mentioned in the noninterest expense section?", "c9ce971d-e333-4fce-be96-7993b6980b0d": "What adjustments were made to allocate the FTE treatment of certain tax credits to Global Banking and Global Markets?", "f8213312-7d01-409d-b4e7-5af22d4ee0b6": "What factors contributed to the increase in the income tax benefit in 2023?", "f64f1992-86f7-4b44-8c85-9b59a291a93d": "How did the Corporation recognize fair value changes of interest rate swaps in their financial reporting?", "dafd11a0-2330-428d-9268-414a9bf916ee": "What was the total income tax benefit recorded in 2023?", "3160fc5c-45a1-4388-884d-fb822467700a": "What was the significance of BSBY\u2019s future cessation mentioned in the document?", "c25fb01f-89ac-4885-8a0f-85c2f2359337": "What are the seven key types of risk faced by the Corporation as outlined in the document?", "49c9fba3-61db-46cd-8404-b8fa2a4d1442": "How does the Corporation define strategic risk, and what factors contribute to it?", "f71b7608-20f3-4d2e-be4f-a36e7d0fc74c": "What is the purpose of the Risk Appetite Statement in the Corporation's risk management framework?", "bc70cf10-e72a-4b9e-b041-d8df06b22993": "Describe the role of the Enterprise Risk Committee (ERC) in the Corporation's risk management process.", "8bf31f20-7d92-45d7-9c60-e86ea4f7986c": "What measures does the Corporation take to manage operational risk?", "402ca61c-92bc-4374-b633-6c7b6b94084f": "How does the Corporation prioritize risks to maintain a strong financial position?", "4fb4ad06-f018-462e-be1f-0299918f9c5e": "What is the significance of a culture of managing risk well within the Corporation?", "2b3e438c-2e4e-47e3-83c6-87e79b68b94e": "How does the Corporation assess risk-adjusted returns for each business?", "e8d600f5-55b4-4964-8dce-d518d0834b29": "What are the potential consequences of not managing risk effectively according to the document?", "6daccac6-e650-47c1-ad4a-195b014e85c2": "In what ways does the Corporation's risk appetite influence its strategic objectives and business plans?", "66946595-948c-4abf-8bf7-649c7b0bc772": "What is the purpose of the Corporation's risk appetite as described in the document?", "1d0d0fe0-3206-4949-a6a2-640308bd3751": "How does the Corporation prioritize risks to maintain its financial position?", "41f854d6-ea4e-412a-8a79-ece99e06620e": "What is included in the Risk Appetite Statement mentioned in the document?", "1e45df1e-7228-4e39-a9f6-764c18a83871": "Who is responsible for tracking and reporting performance measurements related to risk appetite limits?", "a530929d-07cd-46d5-8811-ca9649a42a1e": "What are the key components of the Corporation's operational risk management capabilities?", "b82a4ca7-16a4-4511-9728-0c50f9f34f42": "How does the Board oversee adherence to risk appetite limits and internal controls?", "1198cd83-33f0-40b7-90bf-dbfcc9d265ae": "What is the significance of the Risk Framework in the context of risk management governance?", "41333322-4b36-44f1-b387-b74dc92874b2": "In what ways does the Corporation aim to operate safely during periods of economic stress?", "5db76014-0baf-4ed7-be2e-08ccb820b5d6": "What types of documents may evidence the delegations of authority within the risk management governance structure?", "f915fd7d-6244-4bcf-b194-83657199a384": "How does the Corporation's risk capacity influence its strategic objectives and business plans?", "9df64b6e-b854-4203-9689-77125687bf26": "How many directors are on the Board, and how many of them are independent?", "899d27c8-38e3-4102-8bfd-bb889d70b788": "What is the primary responsibility of the Audit Committee?", "709807a5-07cc-413c-aeb8-1d0f2aa9e8a6": "Which committee oversees the Corporation\u2019s Risk Framework and risk appetite?", "6581f75e-4f5a-419a-b1d4-ac44063bbbed": "What role does the Compensation and Human Capital Committee play in relation to executive compensation?", "d80e0140-b226-415e-8230-b0e5576c0d99": "Who is responsible for the management oversight of key risks facing the Corporation?", "60072d23-7a76-4dac-aab7-36f20d55d8ee": "What are the three lines of defense mentioned in the document for managing risk?", "6af7a87a-731d-4291-b122-b3457d2ad914": "What functions do management committees serve in relation to the Board and its committees?", "94c41728-fc39-4d74-aa9a-66a3634f2864": "How does the Board receive information on the Corporation's risk profile?", "3930bbae-c3c3-4ff5-9bf8-a4d6afc9339c": "What is the purpose of the Corporate Governance, ESG, and Sustainability Committee?", "f1aba30e-3e5f-4f26-9a3d-180d1720ae22": "How does the document describe the relationship between senior management and the Board regarding risk-related matters?", "bec6c998-ac97-4bc6-ae3b-8300f556a6aa": "Who is responsible for independently assessing and overseeing risks within Front Line Units (FLUs) according to the document?", "de15c589-1c7e-497c-9c7e-d7c7a874cff6": "What are the key responsibilities of the Global Risk Management (GRM) function as outlined in the document?", "f1044b90-094b-4dd3-a30f-283e7a848ae0": "How does the Corporate Audit function maintain its independence from Front Line Units and Global Risk Management?", "65a646cf-1f6e-4415-8c7c-9fc6da06eb12": "What is the purpose of the Risk Framework mentioned in the document?", "53258042-9928-4ed0-9d05-1bbfebd06cbf": "Describe the process of risk identification as outlined in the document.", "bccc9e10-f015-4ad0-85ed-4c6c248e23a4": "How are risks measured according to the risk management processes described in the document?", "1714978c-9dad-48aa-a594-e5a94253ef13": "What actions are taken when risk limits are breached, as per the monitoring process detailed in the document?", "3bcc8e65-528b-4004-93df-7d62874b67a0": "Who does the Chief Risk Officer (CRO) report to, and what is their role in the risk management framework?", "8ad7350e-bd10-4cee-ab39-c4d2d7d45d48": "What types of organizational units are included in the Front Line Units (FLUs) as mentioned in the document?", "ec1aec00-037c-44a6-a181-a297b5d4b0d3": "How does the document define the role of executive officers in relation to risk management and decision-making?", "2143d8f9-4242-4465-9d84-2207889c2114": "What processes are in place for monitoring risk levels within the organization?", "1674fb64-106d-4612-99f7-2f1a5533aa3e": "How does the organization respond when risk limits are breached?", "ccbedb08-eb65-4870-8275-8111f4ad7581": "What are the different types of risk limits mentioned in the document?", "50ccc2d2-0765-46e2-b17c-35736b213d01": "How does the organization ensure accountability for performing within established risk limits?", "2ccd1309-b551-44d8-8655-9f2b045595b3": "What is the significance of conduct risk in the context of the organization's risk management framework?", "009a35a9-36f1-4a3c-a08b-7a0fafe3ca1e": "How does the organization communicate its risk limits and controls?", "26462460-5a9c-4d22-be36-8b9a23bbde3e": "What role does corporation-wide stress testing play in the organization's capital planning?", "1530803d-b537-4359-b6fa-62d9923aefae": "How often does the organization update its risk assessments and review risk exposures?", "e849306f-b312-424b-b8f7-4e7464925f34": "What are the potential consequences of improper actions or behaviors as described under conduct risk?", "bce81e44-ee14-4733-baf6-d4c308e4c706": "How does the organization incorporate ethical principles into its risk management practices?", "efee6a0f-c7d6-48e3-8f86-d9eb05809b94": "What are the main objectives of the Corporation's contingency plans as described in the document?", "dbcae44d-46a6-4fa1-82f8-34237bcd5ed5": "How does the Corporation manage strategic risk in relation to its capital levels?", "3aec9b76-b283-4593-bcec-fd8a29ee96aa": "What role does the Board play in the approval of the Corporation's strategic plan and capital management?", "5de4da17-761e-400e-afba-aaaffd935b17": "What are some potential actions outlined in the Financial Contingency and Recovery Plan during periods of stress?", "0e82b7f6-64d2-418e-97d7-c4e70b9ca4c5": "How does the Corporation ensure that its strategic plan aligns with its risk appetite and capital requirements?", "97cdabdf-1d97-4776-90f8-4540dda15211": "What types of risks are considered part of the strategic risk category mentioned in the document?", "f06b68cc-605b-41eb-ae7e-90b04d3387ce": "How does the Corporation assess the risk-adjusted returns of each business?", "2b897715-cd3b-42a6-9cac-baf75cdce7ea": "What processes are in place at the business level to evaluate the strategic risk implications of new initiatives?", "58b18ee4-eb15-4520-83bf-7e4b890607be": "How does the Corporation's capital management strategy support its obligations to creditors and counterparties?", "93d8414d-f73e-47a7-8491-d20c850297f8": "What factors are monitored by executive management to ensure the Corporation meets its strategic objectives and timelines?", "39d8806f-f480-43bb-b199-c07f27382513": "What process does the Corporation use to assess the risk-adjusted returns of its businesses?", "2cd9610b-b05b-4b7e-b2a3-b000f5bf3674": "How does the Corporation ensure its capital position aligns with its risk appetite and strategic planning?", "47617ee5-fef5-4506-bc71-cfd5fee1461a": "What is the purpose of the Internal Capital Adequacy Assessment Process (ICAAP)?", "93a840d4-99db-43d5-8de2-ee95e6c6c32b": "How often does the Corporation conduct stress tests to evaluate its capital adequacy?", "7b16abd1-d98d-4648-b167-b12c7724a172": "What are the key components considered in the ICAAP's forward-looking assessment?", "7081f956-b22b-4844-9827-f97c2f2d3e44": "What is the significance of the stress capital buffer (SCB) mentioned in the document?", "2680e130-d5df-4f18-86b5-069d1745fa35": "What actions were authorized by the Board in relation to the Corporation's common stock repurchase program?", "b019610d-eb21-4607-ab79-564440223243": "How does the Corporation integrate capital management into its risk and governance processes?", "cf848417-5001-4ef4-8007-f6dc80849c4e": "What are the implications of the Comprehensive Capital Analysis and Review (CCAR) for Bank Holding Companies (BHCs)?", "2baab067-7349-4cad-a0e9-7bee5994e144": "How does the Corporation assess the potential capital impacts of changes to regulatory capital requirements?", "9ce46e6f-7001-4e95-aadd-6f792ae35d31": "What was the total amount of common stock repurchased by the Corporation during 2023?", "05ed25bf-4be5-40b1-879a-4fde55853e63": "As of December 31, 2023, what was the remaining repurchase authority for the Corporation?", "f22c67f8-0bfe-4f41-97f2-a9f933ea59ac": "What factors influence the timing and amount of common stock repurchases by the Corporation?", "05737b93-bd03-417c-95ba-3425ce070992": "Under which regulatory framework is the Corporation classified as a BHC?", "4f05fe7d-c9b7-495a-aabe-c3f07262deee": "What are the two methods of calculating risk-weighted assets (RWA) as outlined by Basel 3?", "369f90c6-3d09-4ea5-a90e-511f6b14f90f": "What is the minimum CET1 capital ratio requirement for the Corporation effective from October 1, 2023, through December 31, 2023?", "97adc65e-4cdd-4fed-b3ba-9ddbdf6c7cc6": "How is the Corporation's G-SIB surcharge calculated, and what are the two methods used?", "50666444-8852-4c13-8596-c25c99325cdb": "What was the CET1 capital ratio of the Corporation under the Standardized approach as of December 31, 2023?", "8d2d2bf4-239a-4b61-badc-5ede567900e1": "What is the minimum supplementary leverage ratio (SLR) that the Corporation must maintain to avoid restrictions on capital distributions?", "24688231-3b1d-4fe2-bf0e-0aff6874c1a8": "What are the capital conservation buffer and the SCB, and how do they relate to the Corporation's capital requirements?", "30f14eaa-4ab8-46a8-bb74-7c04d63f7490": "What is the new minimum CET1 capital ratio requirement for the Corporation effective January 1, 2024?", "f1fd1406-7061-4fea-acf3-0270edb169b9": "How much did the G-SIB surcharge increase as of January 1, 2024?", "2547e8db-6468-40db-893b-c79561c95116": "What was the Corporation's CET1 capital ratio as of December 31, 2023?", "8f816fca-f53e-4569-99d9-9a2bf767928d": "What is the minimum supplementary leverage ratio (SLR) that the Corporation must maintain?", "6470c719-3a57-4016-b499-a5b3f821e234": "What are the consequences of failing to maintain the required supplementary leverage ratio?", "95163621-8667-4b35-8239-01a89eef65b4": "How does the Corporation's SLR requirement relate to its insured depository institution subsidiaries?", "727faab5-fd1b-446e-85ef-4619943f3212": "What does the numerator of the SLR consist of according to the document?", "fd59384b-2de0-4b38-bf5a-76bc51b2df12": "What is the definition of \"well capitalized\" under the PCA framework as mentioned in the document?", "53f31033-af5e-41e4-8d30-8ed6fd23658b": "Which capital measurement approaches are referenced in the capital ratios and related information for Bank of America Corporation?", "602d2727-03f4-402a-a4b9-36ffe67e188d": "What regulatory requirements did Bank of America Corporation meet for the periods presented in the document?", "000b25d8-9d8b-445d-b2cf-7d72ddc458d1": "What was the Common Equity Tier 1 (CET1) capital for Bank of America Corporation as of December 31, 2023?", "22d5ca98-66eb-4585-84fb-b9f63518d2a6": "How did the Tier 1 capital of Bank of America Corporation change from December 31, 2022, to December 31, 2023?", "d7c6ccd4-7501-4e74-be55-5ca98361a98b": "What is the regulatory minimum for the Common Equity Tier 1 capital ratio under the Advanced approaches as of December 31, 2023?", "184495ed-b24d-486b-be2e-ea500cd00d41": "What are the differences in Total Capital between the Advanced Approaches and the Standardized Approach for Bank of America Corporation?", "38fa1c63-3642-4f94-85d2-bf365b737d05": "What was the risk-weighted assets amount (in billions) for Bank of America Corporation as of December 31, 2023?", "e309108f-5c0d-4060-bbae-11ed61a6e913": "How much did the CET1 capital increase from December 31, 2022, to December 31, 2023, and what were the primary factors for this increase?", "2e5ec546-2dec-45b0-a225-453313cd8744": "What is the Supplementary Leverage Ratio for Bank of America Corporation as of December 31, 2023?", "b40cd079-78b0-4763-91fc-e38e12180d41": "What was the Tier 1 leverage ratio for Bank of America Corporation as of December 31, 2022?", "9dabf96b-18d8-4774-93f2-a0daa0979b9d": "What is the capital conservation buffer percentage applicable to Bank of America Corporation under the Advanced approaches as of December 31, 2023?", "bdaaa0d5-6f99-4a76-b4c4-9910bba2a2c7": "How does the countercyclical capital buffer compare for Bank of America Corporation for the periods ending December 31, 2023, and December 31, 2022?", "75c15f58-c023-482e-ab89-f30600af83ae": "What is the regulatory minimum for the Supplementary Leverage Ratio (SLR) mentioned in the document?", "6e0b30f0-8c64-4e43-abc9-2e3a534520e7": "How does total capital under the Advanced approaches differ from the Standardized approach?", "9f2782fb-67c2-46d3-958c-669d88cd060b": "What was the CET1 capital amount as of December 31, 2023, and how much did it increase from the previous year?", "75f16b7f-a732-44e1-ab07-adfe9f1cbc4e": "What factors primarily contributed to the increase in Tier 1 capital as reported in the document?", "c8b90fee-b6a8-49f2-9752-2834bb92c3a2": "By how much did the Risk-Weighted Assets (RWA) under the Standardized approach increase during 2023?", "8cdbc472-b143-4730-8d05-da8133be660c": "What were the primary reasons for the increase in supplementary leverage exposure at December 31, 2023?", "9df84738-9444-46bb-8420-8fc4c1b069ea": "What impact did capital distributions have on CET1 capital from December 31, 2022, to December 31, 2023?", "5b48f7a9-1387-407c-8a93-b5ba14a98e68": "What specific risk exposures contributed to the increase in RWA in Global Markets?", "fab1b010-57ff-4cba-9ff6-8e49d2558411": "How did the adjusted allowance for credit losses affect total capital under the Standardized approach?", "36e04f0e-a4af-41c0-92e8-f9e0c9671761": "What was the change in subordinated debt as mentioned in the context of total capital under the Standardized approach?", "e4e4b892-de00-46d6-a292-1d5d37eb3024": "What was the total common shareholders\u2019 equity for Bank of America as of December 31, 2023?", "6350b2b8-ef13-4071-a4d7-b84f0dbef685": "How did the CECL transitional amount change from December 31, 2022, to December 31, 2023?", "09c33217-209f-45a2-9ae7-9b4f90181085": "What is the value of common equity tier 1 capital reported for Bank of America on December 31, 2023?", "412502a5-7cb7-4c97-a870-ba948d508517": "What are the total risk-weighted assets under the Advanced Approaches for Bank of America as of December 31, 2022?", "660d4be5-9185-4856-a190-6330aec4398a": "How much did the accumulated net (gain) loss on certain cash flow hedges change from December 31, 2022, to December 31, 2023?", "867d3c5c-254c-41b0-8488-3134f24684de": "What is the total capital under the Standardized approach for Bank of America as of December 31, 2023?", "72c56e28-1f92-4f43-932d-0dcf5528177c": "What percentage of the CECL transition provision\u2019s impact was included in the capital composition for December 31, 2023?", "a9ebebfc-fb7b-455c-b07c-651db25c8135": "What was the operational risk amount reported under the Advanced Approaches for Bank of America as of December 31, 2022?", "ed32b7eb-7268-499c-a28e-95048b0ffd43": "How does the Tier 2 capital instruments value for Bank of America on December 31, 2023, compare to that of December 31, 2022?", "92b2cb58-f2cc-4605-a989-3649b96f99d9": "Did Bank of America meet the definition of well capitalized under the PCA framework for both periods mentioned in the document?", "99aa49ac-68b9-4b01-aab7-258a1e2bd2ef": "What are the Common Equity Tier 1 capital amounts for Bank of America, N.A. as of December 31, 2023, under both the Standardized and Advanced Approaches?", "b87eb38f-bc3f-46c7-ada5-991966197d3e": "How does the Total Capital ratio for Bank of America, N.A. compare between December 31, 2023, and December 31, 2022?", "d11bb952-8b59-4909-a6f2-b1c6fab64802": "What is the risk-weighted assets figure for Bank of America, N.A. as of December 31, 2023, and how does it differ between the Standardized and Advanced Approaches?", "77dfd98f-1f4b-44ce-ad5a-ad28434f582a": "What is the Tier 1 leverage ratio for Bank of America, N.A. as of December 31, 2023, and what is the regulatory minimum required to be considered well capitalized?", "dd40713d-98e2-4f26-a535-d3ac1b71e446": "How does the Supplementary Leverage Ratio for Bank of America, N.A. as of December 31, 2023, compare to that of December 31, 2022?", "b639976f-4bd6-4ae1-8592-a0770e4578ed": "What is the purpose of the Total Loss-Absorbing Capacity (TLAC) requirements for Bank of America, N.A.?", "5de629a2-5848-47cb-96da-7a3c20e8f513": "What are the regulatory minimums for risk-based capital ratios for Bank of America, N.A. as of December 31, 2023, including the capital conservation buffer?", "77e0f507-1c16-4f1d-968c-a57fccf203bc": "What constitutes eligible long-term debt for the Total Loss-Absorbing Capacity (TLAC) ratios as per the document?", "422bcb4d-cf22-43ff-9220-3651608d7de3": "What was the Adjusted Quarterly Average Assets for Bank of America, N.A. as of December 31, 2023, and how does it relate to the Tier 1 leverage ratio?", "7857be7a-7506-406c-873a-1c2ebaefe3ad": "How does the Total Capital under the Advanced Approaches differ from the Standardized Approach for Bank of America, N.A. as of December 31, 2023?", "150d7ea1-19e1-444b-a174-5b68b06cfab6": "What does Total Loss-Absorbing Capacity (TLAC) consist of according to the document?", "5c25b319-cab0-4674-be71-f9de10515a13": "What are the requirements for long-term debt to be considered eligible for TLAC ratios?", "be29db2f-47e7-4167-8baf-521dd14b7979": "How does the Corporation ensure compliance with TLAC ratios in relation to capital distributions?", "a1ceee41-3057-47a2-b77c-0bdf4c247cfd": "What is the minimum remaining maturity for unsecured debt to qualify as eligible long-term debt under TLAC?", "99c8cb39-4457-4a7b-b7de-962892e58f90": "What are the consequences for the Corporation if it fails to maintain TLAC ratios above the minimum requirements?", "2fb62d48-95e9-4e38-8156-b0217da5dc92": "What specific information is presented in Table 14 regarding the Corporation's TLAC and long-term debt ratios?", "eb366101-d06f-4432-bc04-4c0804d76e79": "How do TLAC ratios relate to the Corporation's Tier 1 capital?", "a9afc077-d3c0-48d8-bc0e-78f054dbb043": "What additional requirements must be met for long-term debt to be included in TLAC ratios as per the TLAC final rule?", "c24cf6fd-951d-427f-af67-b9be8e1679b6": "What is the significance of maintaining TLAC ratios in excess of applicable buffers?", "58143cbb-0d91-44d9-96ff-117e5eef45db": "As of what dates does the document provide information about the Corporation's TLAC and long-term debt ratios?", "88c80791-c466-4a3a-811e-958d34490605": "What is the total eligible balance for Bank of America Corporation's Total Loss-Absorbing Capacity (TLAC) as of December 31, 2023?", "fffa5409-2351-453d-9430-6d6763c4517f": "How does the TLAC regulatory minimum for risk-weighted assets (RWA) change effective January 1, 2024?", "dbd5a4da-aef9-4524-ab72-fca20dd86ab3": "What are the components of the TLAC RWA regulatory minimum for Bank of America Corporation?", "7d52049f-f49b-4505-9b03-f403b943c307": "What percentage of supplementary leverage exposure is required for TLAC as of December 31, 2023?", "26379ffd-5ab2-4b5f-8ee8-44381c752adb": "What significant regulatory developments were proposed by U.S. banking regulators on July 27, 2023?", "45584b17-41a4-4937-9141-83bdc894f6c1": "Which two principal U.S. broker-dealer subsidiaries are mentioned in the document, and what merger occurred on August 13, 2023?", "ffdadc24-8569-447f-881a-88ee335e88ad": "How did the TLAC ratios for Bank of America Corporation in 2023 compare to those in 2022 in terms of risk-weighted assets?", "3b2aa550-9e56-45f2-9cd9-3a42e894cd18": "What is the TLAC leverage buffer percentage that must be comprised solely of Tier 1 capital?", "a5f24545-e7ca-43a5-8d57-78f0c699446d": "What is the impact of the proposed rules issued on August 29, 2023, regarding the criteria for debt instruments included in the Corporation\u2019s eligible long-term debt and TLAC?", "bc1c4f34-6e1e-4b20-a50d-07380a42e104": "What was the percentage of long-term debt RWA regulatory minimum for Bank of America Corporation prior to the increase effective January 1, 2024?", "05e593e9-8b98-4a6c-b587-4bb485a1af28": "What are the names of the Corporation's principal U.S. broker-dealer subsidiaries mentioned in the document?", "2481737c-7290-4159-ae7f-b9a3abfa28c5": "What regulatory capital requirements does BofAS need to maintain as an alternative net capital broker-dealer?", "3d06e18c-9822-4da6-9354-0090a120c51b": "What was the tentative net capital of BofAS as of December 31, 2023?", "4a6ae931-7963-4b41-9c2d-86fdbecb4ce8": "Which regulatory bodies oversee the European broker-dealers MLI and BofASE?", "3a6fd0be-a62a-4bdd-a1b6-8731b07450d7": "What is the minimum regulatory net capital requirement for MLPF&S as of December 31, 2023?", "acd41743-29cf-4cc1-aeec-e58483e9eba8": "What significant event occurred on August 13, 2023, involving Merrill Lynch Professional Clearing Corp.?", "58b1f335-d5b4-4fad-88f1-2681ba41197c": "How does BofAS compute its capital requirements under the Exchange Act?", "faf0b133-6484-440e-805d-8c064b81f00b": "What are the minimum Pillar 1 capital requirements for MLI and BofASE as of December 31, 2023?", "88c3821e-b8cc-44dd-a5ad-37c5937e64f6": "What is the role of FINRA in relation to the net capital requirements of the broker-dealers?", "ac65ba83-425d-4a59-8089-cecf66dfabe8": "What are the implications of the proposed rules on the Corporation's regulatory capital and TLAC requirements?", "53f69ee5-be40-47fd-98a2-ef3c99c5785c": "What is the capital resources amount reported by BofASE as of December 31, 2023?", "e004b385-3cff-4664-a20f-82c59f08331c": "Which regulatory authorities oversee BofASE's operations in France?", "f5f0d1c9-30f1-42dd-b1b9-e5bd8250f256": "What was the minimum Pillar 1 capital requirement that BofASE exceeded?", "3c9e703e-0318-41b3-b89a-923d61865901": "In which quarter of 2021 did MLI and BofASE become conditionally registered with the SEC?", "3cc9cc15-494d-403c-8a77-ade73f03cb7d": "What type of financial instruments are MLI and BofASE registered as with the SEC?", "f76f9a77-9a91-4a63-bb56-69f6896df28a": "How do BofASE's net liquid assets as of December 31, 2023, compare to the minimum requirements under the Exchange Act?", "2faa7eb8-73f0-4b29-868c-bc390e8e1c7f": "What is the primary objective of BofASE's liquidity risk management?", "f9f4dbf5-b60d-4588-82a1-46cbb33abd7a": "What types of cash flow and collateral requirements does BofASE aim to meet through its liquidity risk management?", "aca22178-d6e2-4744-8dfe-18908d8b1999": "What is the significance of the Single Supervisory Mechanism in relation to BofASE?", "e24e3705-3036-41bc-afd0-38e732825967": "How does BofASE's liquidity risk management support its business operations?", "2ae319ee-426a-4a52-8392-fa86f758c17e": "What are the key components of the liquidity risk management practices mentioned in the document?", "a6453a54-30a7-4863-86e2-cf4c170f5927": "How does the organization define liquidity in the context of its financial obligations?", "544156fa-4c10-4fe1-8ba2-a5bd10b90d00": "What role does the Board play in the governance of liquidity risk management?", "c4a10249-f116-412c-b4cd-deaf6d5f78ca": "What is the purpose of the intercompany arrangement between the Parent and NB Holdings Corporation?", "5f0fc906-806f-49a8-a79f-adcc8fe92df6": "How does the organization ensure access to diverse funding sources for liquidity management?", "4ef9175e-82b3-485f-a394-0045daefeabb": "What is the significance of the Global Liquidity Sources (GLS) in the liquidity management strategy?", "b9134895-3c4c-4aa6-abf9-8cf99ae9e848": "What actions can be taken if the projected liquidity resources of the Parent deteriorate significantly?", "9a7a2d93-bbcc-4d7f-b7a0-2ec8fcbc6124": "How does the organization manage its liquidity position under stressed market conditions?", "39d993bb-d834-4b6f-9fb7-7ebd6cc26617": "What types of securities are included in the organization\u2019s liquidity buffer?", "35671b27-1782-4e64-a5ae-71000b6419a1": "What is the preferred resolution strategy mentioned in the document regarding the Parent's financial obligations?", "9f24960a-3759-4ed9-ad26-a30ae04b8a82": "What is the primary purpose of the Global Liquidity Sources (GLS) as described in the document?", "f7e09ba5-0b3e-436d-b593-2c08ec95fa5a": "Which types of securities are included in the composition of high-quality, liquid, unencumbered securities for the GLS?", "0c8d889d-4804-4e58-ae98-50be46bb6fda": "How much cash could have been obtained by borrowing against eligible assets at December 31, 2023?", "2aad2828-0f36-4a16-92a5-7e6e5e844352": "What are the regulatory restrictions mentioned regarding liquidity generated by bank subsidiaries?", "9fb3a465-67fe-44ed-b3e3-c60b573948db": "What entities are included in the nonbank category of Global Liquidity Sources?", "80b92d26-1dd7-4e9f-8104-83101ca3fd52": "How does the liquidity of bank subsidiaries primarily get driven according to the document?", "ba7d61cc-44cb-4d4e-809f-19ae4c239f89": "What operational procedures have been established to enable borrowing against eligible assets?", "70393fcd-ebbe-4218-b96e-c29b82af9dd3": "What was the total average Global Liquidity Sources for the three months ended December 31, 2022?", "0f3a4d29-d743-4c4f-a78c-d0ca08cb9d56": "Where is the cash for the Parent and NB Holdings typically deposited?", "30dcfd64-81f6-451c-a105-5555f1510435": "What factors are considered when assessing the transferability of funds among entities?", "e6aa77bc-1cd5-4e31-900e-d8f674713a0c": "What are the primary components of the Average Global Liquidity Sources (GLS) as reported for the three months ended December 31, 2023?", "112a9b0b-8c34-4b74-8161-298172615af5": "How does the composition of the GLS relate to High Quality Liquid Assets (HQLA) under U.S. Liquidity Coverage Ratio (LCR) rules?", "9161279e-b5f4-4c33-a116-5a7651d5277a": "What was the average consolidated LCR for the Corporation for the three months ended December 31, 2023, and how does it compare to the previous year?", "b10fbdfe-4485-4a4c-84d0-46c20b23750b": "What types of scenarios are considered in the liquidity stress analysis conducted by the Corporation?", "6a0b6697-7c87-489d-914b-581b156af7d1": "How does the Net Stable Funding Ratio (NSFR) support the lending capabilities of banks during adverse economic conditions?", "983e9881-88f7-4b90-a75b-f33075841a52": "What factors could negatively impact potential contractual and contingent cash outflows as mentioned in the liquidity stress analysis?", "5d0e8584-a164-43a5-8791-8504bed3405d": "What was the average consolidated NSFR for the Corporation for the three months ended September 30, 2023, and December 31, 2023?", "df7ef92c-57ff-4e06-83d2-4084d7fcf84d": "How does the Corporation utilize liquidity stress analysis to manage its asset and liability profile?", "87a5308b-218f-4801-8042-9dfcf39f9de4": "What are some examples of potential contractual and contingent cash outflows that the Corporation considers in its stress scenarios?", "17406265-9312-44a5-b0cf-913d1f2bff0d": "How do regulatory restrictions affect the transfer of liquidity between the Parent and its subsidiaries?", "1cb6b8b7-f87b-4def-844b-0adb5c9ab5a3": "What is the purpose of the Net Stable Funding Ratio (NSFR) for large banks?", "ac30fa9e-e26a-4423-8597-19aa79448c42": "How does the NSFR support banks during adverse economic conditions?", "379dab80-441d-4950-a98b-8fc922a7349f": "What percentage of the average consolidated NSFR was reported for the three months ended September 30, 2023?", "2ed80d12-df8d-4030-a0e2-3f5e32d9d8cc": "What are the primary sources of funding for the bank's assets?", "9145fa47-6e4d-43cd-b025-812404a51cf5": "How does the bank's centralized funding approach benefit its operations?", "a1c45be2-6d14-46f8-9059-ed01fcf4e292": "What percentage of the bank's deposits were in Consumer Banking as of December 31, 2023?", "fb25554d-a29a-48cd-b0f6-a1a4443a2bfd": "How does the bank categorize its deposits in terms of stability and sensitivity to market changes?", "9b54b552-592d-4394-8eb9-0db3385bec66": "What types of secured borrowings does the bank use to finance its lending activities?", "8e63198b-89de-45af-a17c-50ed554c6062": "How does the bank fund its trading activities in other regulated entities?", "885ae4fc-f2cb-4151-bba7-f9c95699b12d": "What percentage of the bank's deposits were noninterest-bearing at December 31, 2023?", "3846adf4-ba5c-4de1-9d8a-5269cab94735": "What was the total long-term debt of Bank of America Corporation at the end of 2023, and how much did it increase during the year?", "ddef656c-874b-41ec-b192-32e53e91ad4e": "How much long-term debt did Bank of America issue in 2023, and what were the main components of this issuance?", "b7f9914b-803d-49fa-9610-f4068fe9aedf": "What strategies does Bank of America employ to manage liquidity risks arising from secured funding?", "467f8a46-c74a-47e0-ac48-dbcbc6c2d00d": "What is the significance of TLAC compliance in the context of Bank of America's debt instruments?", "da19d14e-01b8-4c68-9805-eb8ed0def78a": "How much long-term debt maturities and redemptions did Bank of America experience in 2023 compared to 2022?", "857f89f6-2dc5-44a3-9826-e922bad9302b": "What types of debt instruments does Bank of America issue to achieve cost-efficient funding?", "ea6cc9e0-3477-4c54-8490-3360cacda162": "How does Bank of America mitigate refinancing risk related to its borrowings?", "74917853-bd2c-47ab-991b-c00610f2e8ca": "What are structured notes, and how much did Bank of America issue in this form of debt during 2023?", "81aee62a-032d-407b-a65f-ccf4010a55b2": "What provisions are typically absent in Bank of America's senior and subordinated debt obligations regarding early repayment or changes in terms?", "b5b0bead-f482-4e04-842f-39872afa84af": "How does Bank of America hedge the returns on its structured notes, and what is the purpose of this hedging?", "ede83847-8f5d-4eec-ac00-db27c7303f04": "What is the total amount of the Corporation's deposits as of December 31, 2023, and how does it compare to the previous year?", "8ed03a4b-9b93-47c1-9c75-8889718c8c02": "What are the estimated uninsured U.S. and non-U.S. deposits reported by the Corporation as of December 31, 2023?", "5d9761d4-d2c9-407f-ba68-3083da684240": "How does the Corporation manage the risks associated with its borrowings?", "c6005006-aa26-4531-8907-747dc2d61ff3": "What is the significance of the $250,000 insurance limit set by the FDIC for U.S. deposits?", "c38670f0-aef9-4903-9a08-433b351a789c": "What types of funding strategies are included in the Corporation's contingency funding plans?", "75048e51-4db1-4f72-916c-90b79ca45e18": "What are the maturity categories for uninsured time deposits as of December 31, 2023, and what are their respective amounts?", "e5ebd101-9e8f-4d8c-a7a4-77ecd8e0b0e4": "How does the Corporation plan for liquidity stress events according to its contingency funding plans?", "027cc338-d7e8-4bdc-8918-5c7a9ab87622": "What role do derivatives play in the Corporation's funding strategy?", "3c8488ea-bbea-4f29-8e19-3e2113d647ec": "Are there any provisions in the Corporation's senior and subordinated debt obligations that could trigger early repayment?", "9672fd03-bc51-4344-aae8-1fb2a46c597c": "What information can be found in Note 11 of the Consolidated Financial Statements regarding long-term debt funding?", "1139511a-0e47-4474-a713-869aee46a534": "What sources of contingency funding can U.S. bank subsidiaries access according to the document?", "176a73ba-dd7c-4293-88e4-4e7407af9f1c": "How do credit ratings impact the borrowing costs and fundraising ability of the Corporation?", "08500fdf-4faf-4b8e-8f3e-92f809c6a1b5": "What factors do rating agencies consider when assessing the credit ratings of the Corporation?", "73ba38ab-766b-4d89-929f-f31c577d398e": "What recent changes did Moody\u2019s Investors Service make to the Corporation's long-term senior debt ratings?", "328be14a-36b6-4834-bce0-1a9a71c38406": "What was the rationale provided by Moody\u2019s for upgrading the Corporation's credit ratings on May 3, 2023?", "83c92163-1f47-4146-8ad2-de6af342cf4b": "How did Standard & Poor\u2019s Global Ratings change its outlook for the Corporation on March 31, 2023?", "3f5bb901-ee00-442c-801f-2042f11f8735": "What was the significance of Moody\u2019s placing a negative outlook on BANA's ratings on November 13, 2023?", "82f6c89f-29d2-4194-b605-d16610a8fd93": "What are the implications of the U.S. government's sovereign credit ratings on the Corporation's credit ratings?", "addedbb4-422d-4bc9-bcc2-bc42abb85fa8": "How does the Corporation maintain its credit ratings according to the document?", "38f4ed02-e781-46a6-84fa-64c0c3cdf7af": "What has been the status of Fitch Ratings regarding the Corporation and its subsidiaries in 2023?", "8bb59fbb-52f2-4c62-9656-2e1f0d5850da": "What action did Standard & Poor\u2019s Global Ratings take regarding the Corporation's ratings on March 31, 2023?", "bef4969a-e0fe-434d-8c58-6b09d20d0573": "How did the outlook for the Corporation change according to Standard & Poor\u2019s Global Ratings?", "c14836b9-7831-40c5-a7d9-0f46185bcfc8": "What ratings did Fitch Ratings assign to the Corporation and its subsidiaries during 2023?", "8ddfa2bd-85d7-473c-ad61-1c42ac9ace46": "What are the long-term and short-term senior debt ratings for Bank of America Corporation as per Moody\u2019s Investors Service?", "8a5b5d7c-3769-4617-9767-58842162652c": "What does \"NR\" signify in the context of the ratings presented in Table 18?", "829d5406-1772-4ed8-bcf3-3c7e6e343d8c": "What potential consequences could arise from a reduction in the Corporation's credit ratings?", "7e3c147f-4708-4cb0-8a43-341641fcfc4f": "How might a downgrade in credit ratings affect the Corporation's liquidity and access to credit markets?", "bb1a93d8-1f6d-4b9c-8bcf-26ede1a2ebf6": "What is the significance of counterparty creditworthiness in relation to the Corporation's revenues?", "733f0509-0130-4600-8e59-69c109b26a36": "What could happen to OTC derivative contracts if the Corporation's credit ratings are downgraded?", "97c04f9b-b3bd-41f0-8fb5-a9ba05342112": "Why is the full scope of consequences from a credit rating downgrade considered inherently uncertain?", "3388480b-c25c-44cc-8e30-e24db82da76a": "What are the potential consequences of a credit rating downgrade as mentioned in the document?", "2e478a3d-d90e-45d0-a436-b2dd35f3060c": "Which finance subsidiary is responsible for issuing senior unsecured debt securities guaranteed by the Corporation?", "dfa8d950-8376-4e43-b4cd-6968851ebf57": "What is the role of BofA Finance LLC in relation to the Corporation's financial obligations?", "556b446a-07c4-44e9-8dce-711be1fe153b": "How does the Corporation's guarantee of the Guaranteed Securities affect the claims of holders in a bankruptcy proceeding?", "0f43a099-7d8e-46f1-9bba-06adff07cc65": "What are the implications of the Corporation being a holding company in terms of liquidity and payment obligations?", "f6507c38-a670-4050-a1b2-0afc73346fd6": "What types of securities are issued by BAC Capital Trust XIII, BAC Capital Trust XIV, and BAC Capital Trust XV?", "b2a2417e-aa4b-4f59-a1b0-c7f950bdffb4": "How does credit risk management relate to the operational failures mentioned in the document?", "eb022621-fcdf-472e-810a-e666c875227e": "What information can be found in Note 12 regarding representations and warranties obligations?", "9b9f458b-15a4-49df-bdc0-545098a40596": "What factors may restrict the availability of funds from subsidiaries to the Corporation?", "5435bec2-0c52-4adf-a0f5-47564a42b262": "How does the structural subordination of the Corporation's obligations impact claimants of the Guaranteed Securities?", "ab9bfe50-665f-46f3-9ef2-6a3189337456": "What is the primary risk associated with credit risk management as described in the document?", "0fc61977-9908-4e9c-ad0c-1d125432955d": "How does the document define credit exposure to a borrower or counterparty?", "9f0a88ab-9581-4274-886d-f209580f703d": "What are the key components included in the credit risk exposure as outlined in the text?", "9be1e3ff-c7ed-46cb-9b04-b43c5ded73ab": "How does the document suggest managing credit risk for consumer and commercial portfolios?", "34784f9b-a290-4538-8e16-f0b54bcfde8f": "What measures are mentioned in the document to mitigate losses in consumer businesses?", "1817b4d3-6efd-4dcc-8fa1-3cea3581bcbe": "What role do legally enforceable master netting agreements play in assessing credit risk?", "3c98b1bc-4433-48e9-a7f1-f69dd778a939": "How does the document describe the treatment of derivative positions in relation to credit risk?", "1bec47a0-fef1-44da-b853-761204ca40a5": "What actions are taken when commercial exposures begin to deteriorate, according to the document?", "661c5c3b-7054-42b7-939f-2da6b99c202a": "Where can one find more information about representations and warranties obligations related to mortgage loans?", "ce46df73-d87f-4f2b-b31f-b89273cb0e46": "What factors are considered in refining underwriting and credit risk management practices as per the document?", "87e6fb95-2a61-4428-b94f-7cc8999715ea": "What factors contributed to the increase in the net charge-off ratio in 2023 for the consumer portfolio?", "cb4767c7-0619-4bb0-b528-ad09fd0daedc": "How does the Corporation manage credit risk for its consumer portfolio throughout a borrower's credit cycle?", "7481f1a9-d4eb-48b4-b612-db63a3ae0639": "What statistical techniques are utilized in the consumer credit risk management process?", "6ef13a6f-fcce-4329-8452-1daa998aaa08": "What was the total increase in the consumer allowance for loan and lease losses during 2023?", "c9ce7c0f-49c3-4e83-b11a-e65ff1415c7f": "Which specific property type drove the increase in nonperforming loans compared to 2022?", "a303ee7c-e5f8-4118-80c3-82ecbfe1f2a4": "What external sources are used to build statistical models for credit risk management?", "f3b30bad-4620-44ae-a111-41c91f8ddce7": "How did the U.S. unemployment rate and home prices trend in 2023 compared to the previous year?", "9aa84785-f191-4d05-98c2-7fd0b817a1bf": "What are the implications of the current geopolitical environment on the Corporation's credit quality metrics?", "405db853-d956-42cf-87b9-9938141d8324": "Where can one find more information about the Corporation's loan modification programs?", "3e7f3e3c-3030-48a0-9fe9-5877f820f5a0": "What is the significance of the consumer credit portfolio's late-stage delinquent credit card loans in the context of charge-offs?", "c3de70ea-23ea-4cf1-8e98-5909410b3645": "What was the unemployment rate trend in 2023 compared to 2022 according to the document?", "49d613d3-48cf-4c68-9097-4f559cbd9ed5": "How much did net charge-offs increase in 2023, and what was the primary reason for this increase?", "ca73f554-2475-4ce3-8299-486a4d1e999c": "What was the total consumer allowance for loan and lease losses at the end of 2023?", "ae6b04a4-1224-415a-be84-38b9223bbc97": "Which table in the document presents outstanding consumer loans and leases, as well as nonperforming loans?", "9e53de71-7d1b-447a-b49d-1dcabe0a76ef": "What percentage of outstanding consumer loans and leases were accruing past due 90 days or more in 2023?", "90997bb9-f205-4d85-be63-4b5a8e5a24dc": "How did residential mortgage loans accruing past due 90 days or more differ in terms of insurance status in 2023 compared to 2022?", "023d4bc3-a6c9-4520-b86b-f9597ea4c721": "What types of loans are included in the \"Direct/Indirect consumer\" category mentioned in the document?", "b771b3f7-6be1-4040-9787-f70c1b476d5e": "What was the total amount of consumer loans and leases reported at the end of 2023?", "60edbe51-1c14-43e6-bb27-f7a370a75718": "What information can be found in Note 1 and Note 5 of the Consolidated Financial Statements?", "d9f2fc11-4109-4452-a3a4-a41ecb66d8bf": "How much were the auto and specialty lending loans and leases valued at December 31, 2023?", "74ffa043-a591-42d8-bbb0-dd19cb90fe80": "What was the total amount of net charge-offs for consumer loans and leases in 2023?", "77a2659c-7d4c-486f-b822-28691cf87254": "How did the net charge-off ratio for credit cards in 2023 compare to the previous year?", "3c0174f2-29bd-4c6e-a3a4-8add38241f76": "What percentage of the residential mortgage portfolio was accounted for by Consumer Banking in 2023?", "fc855ed7-3ce9-41a9-ae39-85eeec23bc06": "What was the outstanding balance of fully-insured loans in the residential mortgage portfolio as of December 31, 2023?", "7446e318-9c24-4ec0-afa8-7097773fd8ae": "How much did the outstanding balances in the residential mortgage portfolio decrease in 2023?", "8a00c62a-09de-4726-8570-9ca46fd6792d": "What is the significance of excluding loans accounted for under the fair value option in the credit quality statistics?", "ed7fd273-61d3-4fc1-9184-ba02c848332c": "What was the amount of accruing past due loans for the residential mortgage portfolio that were 30 days or more past due in 2023?", "1ed57545-ede4-4459-9890-03bf617ea07a": "How many nonperforming loans were reported in the residential mortgage portfolio as of December 31, 2023?", "5f6c4e34-b776-4623-a939-98095decd590": "What was the refreshed LTV percentage for loans greater than 90 but less than or equal to 100 in the residential mortgage portfolio?", "8bbd8556-5a0d-40f5-b287-54734c127442": "What factors contributed to the decrease in nonperforming outstanding balances in the residential mortgage portfolio in 2023?", "d421f214-a3a8-41d2-ae18-cf82704d3984": "What percentage of nonperforming residential mortgage loans were current on contractual payments as of December 31, 2023?", "34a24e66-e240-4b8b-bca8-16d268192613": "How much did nonperforming outstanding balances in the residential mortgage portfolio decrease in 2023?", "7b12a63a-a987-4ab9-8e46-26ec39cd3a1e": "What is the total outstanding balance of residential mortgage loans as of December 31, 2023?", "27b78654-d8f6-4ea1-8b60-0605f855d6db": "What proportion of the total residential mortgage loans outstanding were originated as interest-only loans?", "eccc0982-0a7f-4e1c-86f9-5713a95bc34b": "What is the outstanding balance of interest-only residential mortgage loans that had entered the amortization period as of December 31, 2023?", "394a17ca-3da3-41dd-9030-2249e00c55a6": "How do early stage delinquencies and nonperforming status of loans that have entered the amortization period compare to the overall residential mortgage portfolio?", "b1670d4f-4e12-4182-b21a-74325eab4a09": "What amount of outstanding interest-only residential mortgages that had entered the amortization period were accruing past due 30 days or more at the end of 2023?", "a1b3276d-8fe2-4691-bbb5-354548b75b2b": "What percentage of outstanding interest-only residential mortgage loans that had entered the amortization period were nonperforming as of December 31, 2023?", "58cfe1d7-846a-40ac-b210-ecfbbbfb2a1f": "What characteristics define the loans in the interest-only residential mortgage portfolio that have yet to enter the amortization period?", "ba296622-1273-4fdc-bc29-2c9ab17e6907": "When will substantially all loans in the interest-only residential mortgage portfolio that have yet to enter the amortization period be required to make fully-amortizing payments?", "9a1d56ff-448b-44f6-b08b-819545456643": "What percentage of outstandings in the residential mortgage portfolio was represented by the New York-Northern New Jersey-Long Island MSA as of December 31, 2023?", "4c964362-4832-478f-8dd0-f289ba9c2837": "How much did the outstanding balances in the home equity portfolio decrease in 2023?", "91917cb4-b4f6-43fe-bee7-c55611543dd0": "What was the HELOC utilization rate at December 31, 2023?", "e9bbe74b-4acf-4c77-a161-2c720eedb5a3": "What are the components of the home equity portfolio as of December 31, 2023?", "89d71bb0-46bf-47f7-acc8-161214d1ed0a": "How many percent of the home equity portfolio was in first-lien positions at December 31, 2023?", "bd1f2354-ea4b-493b-84d1-52655e7fd175": "What was the total amount of net charge-offs for California's residential mortgage portfolio in 2023?", "f6612ecf-ecfb-479b-a7f9-768247b9f399": "How does the outstanding balance of the home equity portfolio in 2023 compare to that in 2022?", "a9bc2a34-3568-45d9-9c3f-a2fcd05b560a": "What was the total outstanding balance of the residential mortgage loan portfolio as of December 31, 2023?", "d1c6f240-8f41-428a-a846-ff698c7867c6": "What percentage of the home equity portfolio was categorized under Consumer Banking at December 31, 2023?", "ae4723d3-163c-42fd-9027-8423ddf8efa1": "How many nonperforming loans were reported for the New York area as of December 31, 2023?", "aa39e7fa-cbd3-42e2-8ccb-84b3bd28cadd": "What was the total outstanding balance of the home equity portfolio at Bank of America as of December 31, 2023?", "5b081895-9a47-40f3-8b1d-4d46bbaa8eb9": "How much of the home equity portfolio was in first-lien positions at the end of 2023?", "87806644-a467-4597-a8ec-3720a4d051b9": "What percentage of the home equity portfolio was represented by unused HELOCs at December 31, 2023?", "05cf8add-b8a2-46cb-9532-a36305d7edc5": "What was the HELOC utilization rate at Bank of America on December 31, 2023?", "1ddde1f2-7990-422d-b590-a8b55510e425": "How many nonperforming loans were reported in the home equity portfolio as of December 31, 2023?", "f44edb7a-2e1e-4d28-9ff3-adae967a53d7": "What percentage of nonperforming home equity loans were current on contractual payments at the end of 2023?", "94cd7c5f-ab4f-439c-b739-687a1a66964e": "How much of the outstanding HELOCs had entered the amortization period by December 31, 2023?", "1f74e212-d3f9-4a7e-bfa5-50b288b7fbdd": "What was the percentage of customers who did not pay any principal on their HELOCs during 2023?", "56812059-cf23-4abe-9258-517d2ff98346": "How did the nonperforming outstanding balances in the home equity portfolio change from 2022 to 2023?", "29b44ddf-690a-47b9-a7fc-d637f2c18af0": "What is the outstanding balance of HELOCs that were accruing past due 30 days or more after entering the amortization period as of December 31, 2023?", "d23c9f92-c418-402b-ba9d-c1985cbf27bf": "What percentage of the outstanding home equity portfolio in the New York area was attributed to the New York-Northern New Jersey-Long Island MSA as of December 31, 2023?", "dcd9d2a4-ed5e-4045-afb4-f10866762c6a": "How did the outstanding home equity portfolio in California change from December 31, 2022, to December 31, 2023?", "8c44f895-8db2-4e0c-92e4-ddd083338582": "What was the total amount of net charge-offs for the home equity loan portfolio in 2023?", "1b7bbb45-aa3f-48d7-9a2e-2d8611df6ed7": "Which state had the highest nonperforming balances in the home equity portfolio as of December 31, 2023?", "81a6ad2a-3820-446e-877a-107249c14a24": "What was the increase in the credit card portfolio's outstandings during 2023?", "d1d7e338-c6ac-4a06-8107-adf20f15355d": "How much did net charge-offs for credit card loans increase in 2023 compared to 2022?", "130d15c7-f19e-48e4-91cb-2fed9330aa80": "What was the total amount of unused lines of credit for credit cards at December 31, 2023?", "ff44af81-f5de-492f-ac42-e2d1a59958ee": "Which state concentration had the lowest nonperforming balances in the home equity portfolio for the year 2023?", "514de634-8910-41de-b839-faabaab0b050": "What factors contributed to the increase in the credit card portfolio's outstandings during 2023?", "c3e9e751-3f5c-4f4e-88ed-c62a0c705841": "How did the amount of credit card loans 30 days or more past due change from 2022 to 2023?", "41922669-0ef4-4c1a-b95f-771b2aebb584": "What was the increase in outstandings for the credit card portfolio during 2023?", "27633368-3c6f-4232-96b6-c9bda5483474": "How much did net charge-offs increase in 2023 compared to 2022 for credit card loans?", "1ea94567-b6e4-41ab-8fff-fabb75c0ba6c": "What were the amounts of credit card loans that were 30 days or more and 90 days or more past due at December 31, 2023?", "4023e088-d7b2-446e-9179-a5438c3a6ce7": "What was the total amount of unused lines of credit for credit cards at the end of 2023?", "17da9fd9-9a9b-435e-9eb6-0427aafeb4d7": "Which state had the highest credit card outstandings as of December 31, 2023?", "54b2a777-5ddb-42c7-85b1-24b44fac118d": "What percentage of the direct/indirect consumer loan portfolio was included in Consumer Banking at the end of 2023?", "26f9b1ac-bb05-45c8-9fc1-1121b57d4e39": "How much did outstandings in the direct/indirect portfolio decrease in 2023?", "29ce6953-b363-428f-96fd-6b305d16838b": "What factors contributed to the decline in securities-based lending within the direct/indirect portfolio?", "c9fc2c38-7f17-4c74-a892-526e3b171b3c": "What was the total amount of net charge-offs for the direct/indirect loan portfolio in 2023?", "d33389f3-d43a-45b8-ae5f-585d54dd24da": "How did the nonperforming loans in California for the direct/indirect portfolio compare between 2022 and 2023?", "a702863f-2a2c-40da-a44b-991bfeb65f9d": "What was the total amount of nonperforming consumer loans at the beginning of 2023?", "0e3a0998-4190-4ff7-b59f-330a739870aa": "How much did net charge-offs decrease in 2023 compared to the previous year?", "43125c00-5448-48e3-a1d5-60088a5e117d": "What percentage of nonperforming loans were 180 days or more past due as of December 31, 2023?", "a9ff139b-78db-4c57-9652-9a67ad221a46": "How many million dollars in foreclosed properties were reported at the end of 2023?", "aba06a9d-9445-45d6-8912-d87a3fe2a150": "What were the total net reductions to nonperforming loans and leases in 2023?", "de188bdd-a160-49bb-b7a2-e79f74999ecb": "How does the percentage of nonperforming consumer loans and leases compare between 2023 and 2022?", "d5b81430-96be-44b7-a544-d2755879b2bc": "What factors are considered in the credit risk management of the commercial portfolio?", "8e57fea2-30b2-4fbb-b476-f6491ecc55bd": "How are risk ratings monitored and adjusted after loan origination?", "30354065-2d18-4202-ad67-6deb4f8a429c": "What is the total amount of nonperforming consumer loans, leases, and foreclosed properties combined as of December 31, 2023?", "336baadf-053c-4479-aad6-902b8024f506": "What actions does the organization take to assist clients experiencing financial difficulty?", "838c3084-f65e-4be8-b040-8468e0a29251": "What factors are considered when making credit decisions according to the document?", "2a26b061-ab91-43a1-939c-67ee0fcd5b94": "How does the organization monitor the financial condition of borrowers or counterparties after loan origination?", "a0a397db-855a-4e56-9fcc-a933f9d1577c": "What techniques are mentioned for managing commercial credit risk concentrations?", "b2f926c3-da84-445f-90de-98da8f68a966": "How are risk ratings utilized in determining the allowance for credit losses?", "5d409f4d-b9e2-4d52-aa51-1582b991aaef": "What is the purpose of using syndications of exposure to third parties in credit risk management?", "8896e63e-b3ff-46ea-8aee-69646271b1f6": "How does the organization approach clients experiencing financial difficulty with their loans?", "3154b3b8-0f32-4708-b158-f8455ec9310b": "What types of credit derivatives are mentioned in the document for mitigating credit risk?", "0a4d2e91-0576-4129-bf19-04779dd04604": "How are concentrations of credit exposure reviewed and managed by industry and geography?", "af56338e-f7a4-4389-87f0-121e60d351eb": "What is the significance of the fair value option in relation to large corporate loans and loan commitments?", "a9ec6539-5a2d-4624-829f-c130db4f6ea3": "What role do securities and derivative exchanges play in the organization's credit risk management strategy?", "dc1437f0-7d3c-42d2-b450-f4d8ad9a988f": "What was the increase in outstanding commercial loans and leases during 2023, and what sectors contributed to this growth?", "c0667e7b-55bc-448c-94d7-afb7116fb5dc": "How did the credit quality of commercial loans change in 2023, particularly concerning nonperforming loans?", "8709eca9-e0a1-4dee-841b-31c40c1a734d": "What specific property type primarily drove the increase in reservable criticized utilized exposure in the commercial credit portfolio?", "ed9cf92f-4df8-4bd2-94ed-50cb16053b87": "What was the commercial net charge-off ratio for 2023, and how does it compare to previous years?", "a3f67f2b-e28c-4544-a8c7-f92258b871c7": "How did the commercial allowance for loan and lease losses change during 2023, and what were the main factors influencing this change?", "392a0267-046f-4877-84bb-52372b1ffa38": "What was the total commercial utilized credit exposure at the end of 2023, and what primarily contributed to its decrease?", "d77c8ff0-f2ef-4414-bd76-b7c4b4beb603": "What percentage was the utilization rate for loans and leases, standby letters of credit, and financial guarantees at the end of 2023?", "3f9c75b0-f9fb-44d8-ad2c-805b5ea334fa": "How has the demand for office space changed recently, and what factors are influencing future demand according to the document?", "9b125fb7-2af9-4d67-83cf-ab741cb28578": "What does the term \"utilized credit exposure\" include, and how is it relevant for credit risk management purposes?", "7a1bb1fe-162f-4644-aa97-fab4f2e34591": "What are the implications of the increased rate environment and challenging capital markets on commercial real estate borrowers as mentioned in the document?", "eb9dcc94-cb0f-498b-94b4-1bfecf65dd0c": "What was the total commercial utilized credit exposure as of December 31, 2023?", "b0b8efd6-17db-44f4-aa42-308463335b61": "By how much did the total commercial utilized credit exposure decrease in 2023?", "f9b6051f-4951-49f9-b50b-8b313c97ef15": "What was the utilization rate for loans and leases at the end of 2023?", "630b3c5e-7a40-4b21-8f61-275d175beb9c": "Which type of commercial credit exposure saw a decrease from 2022 to 2023, according to Table 28?", "cd42aa16-64d9-4309-b0e5-b7ba04ab15c3": "What is included in the commercial utilized credit exposure for credit risk management purposes?", "6de8f65e-7282-4e3c-8e28-6ddce0a9a65d": "How much did nonperforming commercial loans increase during 2023?", "a29ddad1-0a56-4ea1-bfbb-371e7c560232": "What was the notional amount of unfunded legally binding lending commitments at December 31, 2023?", "1eb72e93-ed11-46a2-98ef-1a5c47056dc6": "What amount of cash collateral was derivative assets reduced by at the end of 2023?", "3e07fdd7-937d-4620-9747-69b416a96365": "How does the commercial unfunded exposure for standby letters of credit and financial guarantees compare between 2023 and 2022?", "381fb7e8-d75c-4d7a-87ca-211cb3f57d78": "What types of assets are excluded from the commercial utilized credit exposure?", "c558b32d-3fcf-4bf5-a62c-eeda1dcbf5af": "What was the total outstanding amount for commercial and industrial loans as of December 31, 2023?", "6ea2febd-2b91-41dd-941b-069588941f1f": "How much did the non-U.S. commercial loans increase from 2022 to 2023?", "179e77bc-9d13-47eb-844d-c30d74ce139a": "What percentage of commercial reservable criticized utilized exposure was secured at the end of 2023?", "5b8b03f0-6cbf-454e-8a76-7cef4ba1c822": "What were the net charge-offs for U.S. small business commercial loans in 2023?", "c9a7c667-d54b-4f36-af4b-1c6f84c7b7ec": "How does the net charge-off ratio for commercial real estate in 2023 compare to that of 2022?", "8edfaf00-c93d-488f-bc03-ccef84a39028": "What is the total amount of commercial loans accounted for under the fair value option as of December 31, 2023?", "2b2a0af7-ee0c-4bfa-9b61-96759d8ce5ee": "Which loan type contributed to the increase in total commercial reservable criticized utilized exposure during 2023?", "ff4e7208-e941-4658-9cc3-5ffcbb23b143": "What was the net charge-off amount for commercial lease financing in 2022?", "ad532d53-9372-4220-92cc-fcc2b529fd4b": "How many billion dollars in total commercial loans and leases were reported for December 31, 2023?", "47af4f52-ff99-4247-a423-79cb5cd8f0b8": "What categories define the criticized exposure as per regulatory authorities?", "aed52eb3-7335-45e2-865e-a6ddefb0a985": "What was the total commercial reservable criticized utilized exposure reported as of December 31, 2023?", "7b9f019e-47dc-4bc8-8889-0fb345d14cb2": "How much did the total commercial reservable criticized utilized exposure increase during 2023?", "aaaa4233-c521-40c6-961c-ce92eef1fb4e": "What percentage of commercial reservable criticized utilized exposure was secured at the end of 2023?", "9a431dab-0a36-4500-815d-88bc5852613a": "Which loan type contributed to the increase in criticized utilized exposure during 2023?", "310bccff-dc60-4f8c-812d-629636e18140": "What was the net charge-off ratio for total commercial loans as of December 31, 2023?", "d9f8066c-6a87-4e76-839f-abb82597dfb4": "How is the commercial and industrial loan portfolio divided among different management sectors as of December 31, 2023?", "efdaf0af-d41d-47c1-8639-fc8e032a8065": "What was the percentage of reservable criticized utilized exposure for U.S. commercial loans in 2023?", "12e70dfd-a3c2-471d-92fa-619d5506270e": "What are the asset categories defined by regulatory authorities that correspond to criticized exposure?", "bb708d3d-1237-4e24-886b-3b7a354f408b": "What was the total amount of commercial letters of credit reported for December 31, 2023?", "2703df05-5631-47ec-99ce-f2210ddd927e": "How did the U.S. small business commercial loans perform in terms of criticized utilized exposure compared to the previous year?", "fd218d71-60fd-43c4-8f76-e3e06c604fc8": "What percentage of the non-U.S. commercial loan portfolio was managed in Global Banking as of December 31, 2023?", "afd671c9-a1ba-425e-ba0f-d22f27535eca": "How much did the reservable criticized utilized exposure decrease due to upgrades and sales of Russian exposure in the non-U.S. commercial loan portfolio during 2023?", "cf4f3040-9acc-4190-9547-6735c1543fdd": "What was the total outstanding amount of commercial real estate loans as of December 31, 2023?", "87c114d8-8c7a-49d8-a413-6e68f3a24780": "Which property type represented the largest concentration in the commercial real estate portfolio at the end of 2023?", "d105d066-af8a-4681-8c19-15b04d36623b": "What proactive risk mitigation initiatives were mentioned for managing adversely rated exposure in the commercial real estate portfolio?", "36e48925-94c0-4dad-b0d3-4915554a2f11": "How much did reservable criticized utilized exposure for office loans increase during 2023?", "8a670267-c542-46a6-837a-fd1435aadec9": "What was the origination loan-to-value ratio for the office property type in the commercial real estate portfolio?", "8509fdda-1747-4ef0-b2fc-e0e026f5e02c": "Which geographic region had the largest concentration of outstanding commercial real estate loans as of December 31, 2023?", "0ba8ad34-be3e-4017-8936-32473bb6f8da": "What was the default rate trend observed in the commercial real estate portfolio during 2023 and 2022?", "9c33e5f2-b04e-4a45-9cee-07326df9186b": "How much of the office loans are scheduled to mature by the end of 2024?", "7c49c254-fce7-47ca-bd7e-f7680818a103": "What was the total outstanding commercial real estate loans amount as of December 31, 2023?", "4fe91e91-8f35-42d2-8044-384f18159de7": "How much did outstanding commercial real estate loans in the Northeast region increase from 2022 to 2023?", "8dc1fbc8-42a0-4023-847a-0974b2456de8": "Which property type had the highest outstanding loan amount in 2023?", "6dbaeb82-2949-43b9-a1d7-624430bc1a90": "What was the outstanding loan amount for Florida in 2023 compared to 2022?", "4916f435-44bf-499a-90f9-86199f9e56ad": "How much did the total outstanding commercial real estate loans increase from 2022 to 2023?", "563cf73f-6cc2-42a2-8020-04d385e1b995": "Which geographic region had the lowest outstanding commercial real estate loans in 2023?", "d4489fa5-3bd0-40d6-980c-fad0316745da": "What is the outstanding loan amount for multi-family rental properties in 2023?", "f4210efe-ef10-45c5-8c20-57064d4442ac": "How do the outstanding commercial real estate loans in the Non-U.S. category compare between 2022 and 2023?", "5f2de8c5-8689-4e15-b1f4-bb04050d9224": "What was the outstanding loan amount for shopping centers/retail properties in 2022?", "5bf40a33-9bd1-40b2-bf3a-ec2f75dff17e": "Which property type saw the largest increase in outstanding loans from 2022 to 2023?", "80b8bff3-526b-4175-b15b-b6af9fca6bde": "What was the outstanding amount of Paycheck Protection Program (PPP) loans in the U.S. small business commercial loan portfolio as of December 31, 2023?", "5d92f5cc-3337-4d85-b146-ef86c0e4ee94": "How much did the nonperforming commercial loans and leases increase in 2023 compared to 2022?", "351cef40-9aa0-4942-b8ef-0a73962a1752": "What percentage of nonperforming commercial loans, leases, and foreclosed properties were secured at December 31, 2023?", "550e4d02-e8e9-4a65-9428-2c661b929a93": "What were the total nonperforming loans and leases at December 31, 2022?", "9c163d56-1407-4917-b292-f51ec593b399": "How much did the U.S. small business commercial loan portfolio decrease in PPP loans primarily due to repayments in 2023?", "a81a8baf-5555-40c9-b525-885cd9e6b348": "What is the percentage of nonperforming commercial loans and leases as a percentage of outstanding commercial loans and leases at December 31, 2023?", "699ff712-c577-48c4-86a4-b53cfca3ab64": "What were the total net additions or reductions to nonperforming loans and leases in 2023?", "2e28092c-59b0-4037-b290-5057f8332b14": "How many foreclosed properties were reported at December 31, 2023, compared to the previous year?", "ae2f50ed-28bd-452e-aed3-a7fbe3833879": "What criteria must be met for commercial loans and leases to be returned to performing status?", "ce2ab965-e448-4657-b417-c895f78f35c2": "What percentage of the U.S. small business commercial portfolio was comprised of credit card-related products at December 31, 2023?", "86e2ff16-1f8e-401f-81c5-e63f05190999": "What types of loans are excluded from the classification of nonperforming loans in the document?", "ae296d65-1b8a-4bc7-a283-e0200509d00a": "How can commercial loans and leases return to performing status according to the provided information?", "71cd2002-903c-4312-b0e1-95942338f71f": "What was the total commercial committed exposure reported in 2023, and how much did it increase from the previous year?", "55e4a659-c4a5-4eb2-ab92-644b2081fb9a": "Which industry had the largest committed exposure in the commercial credit portfolio, and how much was it?", "7d4ef1ee-ce27-42d4-8842-975384763076": "What macroeconomic challenges are mentioned that could impact various industries according to the document?", "03d0ac94-35ff-44e1-aa13-760a3c2af3f2": "How much did the committed exposure in the Capital goods industry increase during 2023?", "06bb9b3f-cbae-4586-901f-9125d7161cfc": "What risk management framework is mentioned in the document for managing industry concentrations?", "032dcd52-61c3-443c-82ad-561a0fbabe60": "What was the committed exposure for the real estate industry, and how did it change in 2023?", "c3f7a7d0-e01a-448f-bb9d-88f078405633": "Which industries contributed to the increase in committed exposure in the Capital goods sector?", "00254f82-9597-4b22-bdcd-751fcf053959": "How does the document describe the monitoring process for industries that may experience significant financial impacts?", "d69a4923-a03a-40ff-bc8f-9638ac34b0cd": "What was the total commercial credit exposure by industry as of December 31, 2023?", "300f4251-df1e-4fbd-8775-89b8fb0e130a": "Which industry had the highest utilized commercial credit exposure in 2023?", "5dde61a9-ec13-45c1-9da1-f782e974755d": "How much commercial credit exposure did the healthcare equipment and services industry have in 2022?", "38a07649-dfd2-49a7-ae21-99b9d01814de": "What is the difference in total commercial committed exposure between 2022 and 2023?", "9038e8cc-579e-4c63-a298-3a6f237adebd": "Which industry experienced a decrease in utilized commercial credit exposure from 2022 to 2023?", "535a705a-2eda-430b-8782-35236945c52c": "What was the utilized commercial credit exposure for the technology hardware and equipment industry in 2023?", "9d905806-c167-465a-bd04-7478de8b8edf": "How much commercial credit exposure did the retailing sector have in 2023 compared to 2022?", "cec9ff1b-764d-4906-8ab5-3fb8b18d6ec6": "What is the total commercial credit exposure for the energy industry in 2023?", "ce6f12de-f796-415a-b51b-c9e1d0c8cdc3": "Which two industries had the lowest utilized commercial credit exposure in 2023?", "d5c1cd5c-a02f-4814-8d60-57104165ad60": "Does the total commercial credit exposure include U.S. small business commercial exposure, and if so, what does it encompass?", "b7444e23-3172-4176-8cb5-60c9db006008": "What is the total amount of distributed credit exposure to other financial institutions as of December 31, 2023?", "98a9334a-c95e-423b-b676-885f72534847": "How does the document define the real estate industry in relation to credit exposure?", "d39d9990-d11d-4e9b-bdea-efbb0dc7986f": "What strategies are employed for risk mitigation regarding credit exposures in the document?", "5ece2260-b578-4f82-bf9c-d9ad3903028f": "What was the net notional credit default protection purchased in the credit derivatives portfolio as of December 31, 2022?", "f1c89787-ad32-48f9-9146-69bc1148d087": "How did the net losses from credit default protection change from 2022 to 2023?", "2e2b6909-cf72-4ac3-a751-ff0b4396b95f": "What percentage of net credit default protection was due for less than or equal to one year as of December 31, 2023?", "99896743-e850-4071-911b-c34857b3fe47": "What is the significance of the Value-at-Risk (VaR) results mentioned in the document?", "11323b4c-ef9c-4765-8aec-ef8eaed457af": "What are the maturity profiles of the net credit default protection portfolio as of December 31, 2023?", "d2bf296a-2def-462a-bef8-bc342636c23e": "How does the document suggest lowering the cost of obtaining credit protection levels?", "b3af3f5a-9f8c-4ef4-bbc0-53658b571927": "What were the recorded net losses related to credit default protection in 2022?", "16d6a529-a5c3-42c7-a278-43fb850a25d6": "What is the total net credit default protection reported as of December 31, 2023?", "e58f9b56-78b8-491e-b298-914466c2702c": "How does the net notional credit default protection for ratings of BBB compare between 2022 and 2023?", "27f7a15b-da7c-4e58-9961-3661925a6f84": "What percentage of total net credit default protection is attributed to debt rated A as of December 31, 2023?", "36bbc2e8-9a2b-4d99-a9e7-0d69ebaa671f": "What risks are associated with executing credit derivative trades in the OTC market?", "499eda3e-e24c-46b4-a82b-27e46a699319": "How are counterparty credit risk valuation adjustments reflected in the financial statements?", "cb364dc3-2da1-4e87-856d-a9975448802e": "What are the primary factors contributing to country risk as defined in the document?", "63863724-04d3-4527-9f96-28f122d6ed56": "Which two countries experienced the most significant decreases in net country exposure in 2023?", "c29df8c1-a7ba-4a91-848b-6c9bb875d5b8": "What is the significance of ratings of BBB- or higher in the context of investment grade?", "cf3e0d05-8501-4f3c-8c0e-61f211e86e0a": "How does the non-U.S. portfolio's country risk management framework operate?", "f372fb44-d46f-4f97-a6c8-8ab11df8036e": "What percentage of total non-U.S. exposure is accounted for by the 20 largest non-U.S. country exposures as of December 31, 2023?", "e34d4e3b-e173-428a-8b7c-5ee9b782bd85": "What framework is in place to manage non-U.S. risk and exposures according to the document?", "a486879a-ef01-4930-a515-e3534128647f": "How much did the net country exposure for the 20 largest non-U.S. countries decrease in 2023?", "ed0db637-25df-4241-8506-fc41c79ce650": "Which two countries primarily drove the decrease in non-U.S. exposure in 2023?", "9b0d9748-8318-454c-b674-d986ce2e3f5e": "What types of exposures are included in the non-U.S. exposure presented in the document?", "55a53db0-4017-4755-903b-c3549f153b1f": "How is net country exposure calculated according to the provided information?", "ccd723d8-d9ec-4ad8-ab9f-21afdacee516": "What percentage of total non-U.S. exposure do the 20 largest country exposures account for at the end of 2023?", "432585c4-31d8-464f-ac67-d56cea8077b9": "What are the components of funded loans and loan equivalents as mentioned in the document?", "6e4f7f58-2e81-4445-94bc-433bfeca0071": "How are securities and other investments valued in the context of non-U.S. exposure?", "d65be35d-3e01-4632-a028-f491cf3218f3": "What role does credit, market, and operational risk governance play in managing indirect country risks?", "c03b342d-18bf-4582-a631-4c03dccb7db4": "What does the term \"unfunded commitments\" refer to in the context of the document?", "f91351f7-2f46-4dfa-ab72-b7ae044b1780": "What was the total net country exposure for the top 20 non-U.S. countries at December 31, 2023?", "67f78f28-a9a3-4fe3-bfe3-a72bf419ca12": "Which country had the highest funded loans and loan equivalents among the top 20 non-U.S. countries?", "45ce2d27-1c2b-4604-b74f-1212bfdbe807": "How much did the net country exposure for Germany decrease from December 31, 2022, to December 31, 2023?", "205b5769-a301-463d-9815-74f978ea6681": "What was the total amount of unfunded loan commitments for Canada at December 31, 2023?", "539decb7-3b2a-484a-b984-d0348de0616d": "Which country experienced the largest increase in net country exposure from December 31, 2022, to December 31, 2023?", "a18a983a-ef06-4d51-8b15-1beda62754a0": "What is the net country exposure for Japan at December 31, 2023, and how does it compare to the previous year?", "b7636bf9-3cd9-4575-a80d-1336b2f9dbae": "How much credit default protection was reported for the United Kingdom at December 31, 2023?", "24966ebb-92c2-4a77-a65e-409e11d340a1": "What was the total exposure for the top 20 non-U.S. countries at December 31, 2023, including all categories?", "d8998c7c-e232-483e-91e5-43ade132ba65": "Which country had the lowest net country exposure among the top 20 non-U.S. countries at December 31, 2023?", "8ec96ef7-5462-4fa8-bd40-4524a4798c85": "What factors contributed to the increase in net exposure for the United Kingdom from December 31, 2022, to December 31, 2023?", "a95505fb-0e97-4eda-80fa-39a3832b1b22": "What was the net exposure of the United Kingdom for Bank of America at December 31, 2023?", "0b531e4b-0a90-4bd2-b700-acd775ed6aeb": "How much did the net exposure of Germany change from December 31, 2022, to December 31, 2023?", "adbc4ce5-cfda-4a64-b8e7-803015e8d357": "What primarily drove the increase in exposure for the United Kingdom in 2023?", "18c7e29b-83a5-40ed-875d-895379f26631": "What was the total net exposure for the top 20 non-U.S. countries as of December 31, 2023?", "ddef9784-64b1-410f-931b-fc6c561696f1": "Which non-U.S. country had the largest decrease in exposure from 2022 to 2023?", "d35c8526-b6f2-4c1e-84e8-8de0b12f4556": "What was the net exposure of Germany at December 31, 2023?", "e3bd74d7-5780-475d-a628-02acf94aac8a": "How much did the net exposure of the United Kingdom increase from 2022 to 2023?", "2e9e4e07-8fb5-4c62-8222-023881116442": "What factors contributed to the decrease in Germany's exposure according to the document?", "63297ede-f37b-4949-97b6-1a667b982099": "What is the significance of the figure $308,243 mentioned in the document?", "5e6ed54b-899c-4feb-8285-4a255d7ee3e6": "What does the term \"net exposure\" refer to in the context of this document?", "1da6f2c7-bbb7-4ffb-b54b-5ba9aaa87c85": "What is the total amount of residential mortgage loans due after 15 years as of December 31, 2023?", "3ebb249a-528c-4b01-9574-22a6315d712d": "How much in total consumer loans is due in one year or less?", "7f2f654a-32fe-4aff-83d0-9bb68f64fc39": "What are the scheduled principal due dates for U.S. commercial loans as outlined in the document?", "62f274a8-5490-4fc7-91da-bb46511eaf3d": "What is the total amount of commercial lease financing due after five years?", "df277ebd-a9ae-4d9d-b60d-6e5f427db130": "How much of the total loans and leases is attributed to credit card debt?", "5f261b32-c28f-474d-a6dc-6d735b0c901b": "What is the breakdown of fixed and variable interest rates for home equity loans due in one year or less?", "e9bec8b6-69c5-4828-ba57-4e87b9a9f53f": "How much is due in the category of \"Other consumer\" loans after one year?", "7199e16c-b9f4-4e94-a992-108a949b8488": "What is the total amount of non-U.S. commercial loans due after one year through five years?", "63e5552c-bd4c-419d-893e-70513372cb28": "How does the total amount of direct/indirect consumer loans compare to the total amount of U.S. commercial loans?", "a4711677-d435-454e-8166-0d6c6f77b7aa": "What is the total amount of loans and leases due after five years, and how is it distributed among different loan types?", "42e5b29b-7909-400b-960a-5d98930c02fb": "What is the total amount of commercial loans listed in the document?", "c2d305a5-45a2-428e-9fe2-fe048a6fbf8b": "How much is allocated to U.S. small business commercial loans?", "52666e3b-702c-454e-ab95-f7b2e14433d3": "What category of loans has the highest total amount in the document?", "bbcfce56-4e25-4b62-b0d9-7ccf650fbcbf": "How many loans are accounted for under the fair value option according to the document?", "6522ab93-b077-483c-9519-7fb8d3bac61c": "What is the total amount for commercial lease financing mentioned in the document?", "ffe0acde-da33-42d0-9439-df276f1b0ae4": "How does the total amount of non-U.S. commercial loans compare to commercial real estate loans?", "55b2c9d5-5d8b-4687-afe6-d5c353704a6f": "What is the total amount of loans and leases reported in the document?", "908eb8c2-a255-4eab-8735-93dc6e8aebaf": "Which financial institution is mentioned at the end of the document?", "8206a647-8a52-43ba-918c-906fe3598463": "What is the total amount for commercial real estate loans as per the document?", "c4ad32d7-19d0-453f-a78d-4da6bddcdd5f": "How many different categories of commercial loans are listed in the document?", "1e8f2377-301d-4d3e-b063-d365d26fb153": "What was the total allowance for credit losses at December 31, 2023?", "44a79c3f-1ef9-42d5-a4af-2df6e07f9af9": "How much did the allowance for credit losses increase from December 31, 2022, to December 31, 2023?", "b3c98a44-51d9-4907-b8d5-7d55ffb9bdbb": "What factors contributed to the reserve increase in the consumer portfolio?", "64b01171-7075-4746-98ee-5a50164fbe89": "By how much did the reserve decrease in the commercial portfolio from December 31, 2022, to December 31, 2023?", "0f959781-ca80-4da6-9670-3c823257ed87": "What accounting change impacted the allowance for credit losses on January 1, 2023, and what was its effect?", "616fe1e9-6a72-4856-98d4-66eb1a9c1d0a": "What percentage of the total allowance for loan and lease losses was attributed to credit card loans at December 31, 2023?", "da844c2f-ddc2-4993-b0b1-2a9a0e5a3630": "How much was the reserve for unfunded lending commitments as of December 31, 2023?", "cf7af23c-7337-4e66-ad6e-fe5961e1f3ca": "What was the total amount allocated to the U.S. commercial portfolio in the allowance for credit losses at December 31, 2023?", "5e3cf12b-212e-4626-8e5a-e6fccd1d8c0a": "What was the percentage of the total consumer allowance for loan and lease losses at December 31, 2023?", "ff7f2b3a-3dfa-41f7-b8c6-f39a234130f1": "How did the allowance for credit losses for residential mortgages change from December 31, 2022, to December 31, 2023?", "a0b81d0a-c701-4339-82df-5c97dd78599f": "What was the allowance for loan and lease losses for U.S. small business commercial loans at December 31, 2023?", "60a2c0d6-86cc-4a02-a2b7-2d60e9f7b7c4": "How did net charge-offs in 2023 compare to those in 2022?", "f12c9722-e250-4736-a8cd-0e6190c5d7d8": "What primarily drove the increase in the provision for credit losses in 2023?", "44be7005-346d-48b4-a254-8fe8153d2f83": "By how much did the provision for credit losses for the consumer portfolio increase in 2023 compared to 2022?", "f3852039-21bf-4f49-b739-1d33a6d94dfb": "What was the change in the provision for credit losses for the commercial portfolio in 2023 compared to 2022?", "0f1d5666-d1cb-4894-811d-61da0ee7946d": "What factors contributed to the decline in the provision for credit losses for the commercial portfolio?", "dd9df164-20e3-45be-994e-326c6fa1044f": "Where can one find more information about the Corporation\u2019s credit loss accounting policies?", "abb48374-8cae-45b1-9d1d-28def56e93a3": "What was the total provision for credit losses in 2023?", "43d97c1f-5aed-4cab-be54-7b2a08418f1e": "How much did the provision for credit losses for the commercial portfolio decrease in 2023?", "0bcf2eab-6d2c-473b-9d4c-79a048045a5b": "What does \"n/m\" stand for in the context of the document?", "92676160-9432-4d9a-b73f-8eedef3aac82": "What was the allowance for loan and lease losses as of December 31, 2023?", "379b1b4b-a3ba-47eb-a86e-1dc8a0508923": "How much was charged off in credit card loans for the year 2023?", "c4bde16b-71fb-49e1-95e2-0fb53f82b22a": "What was the total amount of loans and leases charged off in 2022?", "90f381ab-45e9-4dee-b23c-19d8a379d375": "How did the allowance for loan and lease losses change from January 1, 2023, after the adoption of the credit loss standard?", "1a335918-14ec-4478-ab2f-ace18fcc8429": "What were the total consumer charge-offs for the year 2023?", "dbd7931e-efa1-42c4-b3cb-7d6f5a985273": "How many recoveries of loans and leases previously charged off were recorded for U.S. commercial loans in 2023?", "2a8ca921-2acb-4ab7-bc1b-e2e8ae2f1e8a": "What is the difference in total loans and leases charged off between 2022 and 2023?", "3184ffa4-3237-435c-97ea-4990afc69a8e": "Which category had the highest charge-offs in 2023, according to the document?", "425ef455-d4c2-4dfb-b8e3-1d6f12a7e30c": "What was the amount recovered from credit card loans previously charged off in 2023?", "50d8ad8c-a1b5-4704-86d4-e2b642ad0a53": "How did the charge-offs for commercial real estate loans in 2023 compare to those in 2022?", "7bc31d62-9308-4a37-aabf-579099aad1d8": "What was the total amount of commercial charge-offs reported in the document?", "ad733bc5-17df-46a6-836d-0d9b15ac9c31": "How much did the recoveries of loans and leases previously charged off amount to in total?", "1bed1bce-b79f-4bf8-82e5-d3bb88523be8": "What percentage of total loans and leases outstanding at December 31 is represented by the allowance for loan and lease losses?", "02bb65e5-722e-443e-9e4f-88e6a0c5fdf2": "What was the net charge-off amount for the year mentioned in the document?", "d0742028-1815-4d17-b553-dda981bf24a7": "How does the allowance for credit losses at December 31 compare between the two years provided?", "655b8664-27f7-4c91-a4e1-3694932a80c3": "What was the provision for loan and lease losses in the document?", "f754acb2-0fe9-4d24-acbb-b0e22000b92d": "How much did U.S. small business commercial charge-offs increase from 2022 to 2023?", "49705d3f-122c-44a5-b240-7e4f5d34f087": "What is the ratio of the allowance for loan and lease losses at December 31 to net charge-offs?", "cc97bb32-f8a6-43a7-9af5-004963030927": "What was the total amount of consumer recoveries reported in the document?", "54e62a36-d2c4-4ebb-a005-a9a271875ca4": "How does the commercial allowance for loan and lease losses as a percentage of total commercial loans and leases outstanding compare between the two years?", "4f1ac6be-33c9-4646-96d4-2ef1b83df316": "What was the total amount of small business commercial charge-offs in 2023?", "36362e6b-a35a-4dc3-b955-fe8b5d5ffc8b": "How do the small business commercial recoveries in 2023 compare to those in 2022?", "1133f298-20ba-443e-a5ec-8517bfd1b903": "What percentage of loans and leases outstanding is used to calculate the allowance for loan and lease losses?", "413b7229-3bb0-4b8b-8d15-9160390c9e9b": "Which portfolios are primarily included in the small business commercial charge-offs mentioned in the document?", "de9ddf21-fa9c-41de-b73c-6ba91cd5ccaa": "What was the amount of small business commercial recoveries in 2022?", "dd3dea32-4a65-4095-87bf-a5cfec044ce0": "What financial institution is referenced in the document regarding small business commercial charge-offs?", "d9bf2abe-3e5e-4bed-94e5-bb5a977f36cb": "How much did small business commercial charge-offs increase from 2022 to 2023?", "ba5c2ad1-59f5-4441-97dc-cb3e1f91c5db": "What type of lending portfolios are included in the Consumer Banking section of the document?", "ea96a8ef-be08-4f00-aed3-545930f3b3ea": "What is the significance of the fair value option in relation to the loans and leases mentioned?", "fd7c39ef-6f25-41c7-b5c9-ae61bf6549e9": "What was the amount of small business commercial charge-offs in 2022?", "864f0be3-ffc2-4e3f-9082-f8a6c87cc29c": "What is market risk and how can it impact the value of assets or liabilities within the Corporation's operations?", "48a53e83-3f96-4774-8c14-a7b033bb85d0": "How does the Corporation manage the risk of adverse changes in the economic value of non-trading positions?", "b533465e-dbbc-4d1f-82b1-516413a1f324": "What are the primary financial instruments associated with market risk in the Corporation's Global Markets segment?", "d19569fd-97c7-4f9b-9ea0-e5666cd8e7ce": "What role does the Global Risk Management (GRM) play in understanding and managing trading risks?", "d40d2837-e026-41c9-b081-131c3d27296b": "What are the key responsibilities of the Enterprise Model Risk Committee in relation to model risk?", "1705e952-9563-45c8-9eda-6b73445f40e2": "How does interest rate risk affect the value of various financial instruments within the Corporation?", "2d61f173-09ac-4d08-be92-69af92f8b486": "What types of instruments are exposed to foreign exchange risk according to the document?", "d2e8ca58-6058-4e96-8074-fac7384ec054": "What hedging instruments are mentioned for mitigating interest rate risk and foreign exchange risk?", "cc4381f5-4cd2-4724-8692-263c2a8fbd93": "What factors influence mortgage risk and how does it affect the values of mortgage-related instruments?", "c49c20a2-412e-444e-9880-394b6a40ba6e": "How does the Corporation ensure that its risk management models meet validation criteria and regulatory requirements?", "cecb5b1c-13da-4ae2-86b1-3f0e6c2aa606": "What types of instruments are exposed to foreign exchange risk according to the document?", "1eb73d67-afca-44af-9876-bc396b248799": "How does mortgage risk manifest in the context of mortgage-related instruments?", "0156a143-4f4e-457d-803e-fe63c6f0b820": "What hedging instruments are mentioned for mitigating equity market risk?", "1bb570e1-189b-44bc-b72f-cd708775a3f0": "Which markets are associated with commodity risk as described in the document?", "885a9536-0c72-4fac-936b-04858ecc2960": "What factors influence the values of mortgage-related instruments?", "40928afa-0ecc-4589-8293-ae5eb03b04fd": "Can you list some examples of equity-linked instruments that represent equity market risk?", "7c228257-6ea9-4e20-8f34-2eeb73797d7d": "What are the primary instruments used to trade in the commodity markets?", "e7e1362c-c52d-4d64-907d-e5f9c29a4f60": "How does the document suggest mitigating foreign exchange risk?", "5b0339ca-2545-4f0f-88c5-0752e2a2733c": "What role do mortgage servicing rights (MSRs) play in mortgage origination activities?", "b65efc68-a6ae-46f5-8c9b-2df67f536f91": "Which hedging instruments are utilized to manage commodity risk?", "584370e9-69ca-47d3-ae06-ed534599fbc4": "What does issuer credit risk represent in the context of the portfolio described in the document?", "e9726124-109c-4687-8eb0-7e7818ca00e1": "Which instruments are mentioned as hedging tools to mitigate issuer credit risk?", "05c189d2-4cc3-4713-974e-beb8117d3171": "How does market liquidity risk affect the ability to transact business according to the document?", "01cd0b3e-87e1-4c7d-8b7a-9b35fe5b9372": "What are the key techniques used in Trading Risk Management to evaluate risks in trading activities?", "a0c49dcd-9cfa-4e27-bb15-3cf4c5dddd0f": "What is the primary statistic used to measure market risk, and what does it represent?", "45b5906d-e7cf-406d-af6b-28540a5401c8": "How often is the historical data underlying the VaR model updated, and under what circumstances might this frequency increase?", "7a5d2ead-bf4b-45db-8bd8-62dc43a230a4": "What are the limitations of the VaR model as discussed in the document?", "be4f004a-c9ad-4146-b07a-0b5418d7a903": "How does the document describe the process for establishing a proxy for positions with insufficient historical data for VaR calculation?", "25e80983-5c48-4a12-909a-7b3e59da9489": "What is the significance of a 99 percent confidence level in the context of the VaR model mentioned in the document?", "9b77a40d-59d5-4dbe-9174-45d5c005c54a": "What role does GRM play in relation to the VaR model and the trading portfolio?", "12417cb4-5e2b-432b-a876-3596c2bb8484": "What is the purpose of updating the historical data used for the VaR calculation in the context of market conditions?", "7367b4c4-0853-4532-b161-613970cdfd1a": "How often does the Global Markets Risk Management review and approve changes to the VaR model?", "a1672537-3f06-4492-b40f-7c1003ea3f84": "What are covered positions as defined by regulatory standards in the context of the VaR calculation?", "184d3b50-8c0d-4bce-90c5-0b55b227c08f": "What role does the Internal Capital Adequacy Assessment Process (ICAAP) play in relation to risks not included in VaR?", "e7806d52-1955-4edb-833f-e496839341c9": "How are trading limits on quantitative risk measures, including VaR, established and reviewed?", "e905942e-8b70-49d1-9153-cc14b66b10c9": "What actions are taken by Global Markets senior leadership during periods of market stress?", "11fea1a8-96dd-48ee-bf0a-5fe5238aa7ef": "How does the VaR for trading activities differ from the VaR used for regulatory capital calculations?", "92848ac2-4424-476a-99fe-a5e853b80f14": "What types of positions are always considered covered positions, according to the document?", "6e0a8a2b-05d6-4a40-b7f2-a2d78ddf27c6": "What is the significance of the Risk Appetite Statement in relation to quantitative market risk measures?", "dbb21a52-e642-4e8d-80be-b35de3bbcd44": "How are trading limit excesses communicated to management for review?", "9742f4ea-589a-4c9e-b7e7-702fe46f4f8b": "What is the holding period for VaR used in regulatory capital calculations according to the document?", "81df21d4-49a4-4d20-8dbb-2ac369e68c65": "How does the total market-based portfolio VaR relate to the Global Markets segment?", "aa02b85d-5d31-47ef-b33d-aa6b6909dd6d": "What confidence level is used for the VaR calculations presented in Table 41?", "fe616414-7cea-4ace-b31f-60f609f54330": "What primary factor contributed to the decrease in the annual average of total covered positions and less liquid trading positions portfolio VaR for 2023 compared to 2022?", "95b29657-83ee-4718-a211-034e6c81904d": "Which types of positions are always considered covered positions, as mentioned in the document?", "0f7e235f-f672-4e8a-84f8-661a076cdf3c": "What is the total market-based portfolio VaR for 2023 as reported in the document?", "38f7d93c-2e20-42c7-8df5-340ab64bd8d2": "How does the impact from less liquid exposures affect the total covered positions and less liquid trading positions portfolio VaR?", "ae1900ae-049f-44c0-ade4-c8836dade2de": "What were the high and low daily trading VaR figures for foreign exchange positions in 2023?", "0d5da8a4-32a8-4926-97ca-bcc923792b36": "What does the term \"portfolio diversification\" refer to in the context of the VaR calculations?", "9312752b-78df-4d35-b52b-6a1af33f72d3": "What is indicated by the abbreviation \"n/a\" in the tables presented in the document?", "78d142f3-d896-4a15-b33e-44d2e1a59fb3": "What are the average Market Risk VaR statistics for trading activities at the 99 percent confidence level for December 31, 2023?", "9cbce69d-87b5-4f44-a029-2ef05bc5ebab": "How does the average Market Risk VaR for foreign exchange compare between 2022 and 2023 at the 95 percent confidence level?", "fce39613-edf3-45e0-9885-5a3385f9f7bb": "What is the total covered positions portfolio VaR for December 31, 2022, at the 99 percent confidence level?", "aeccb616-e3a0-407f-8a06-aea7588b70bb": "What is the significance of backtesting in the context of VaR methodology as described in the document?", "b00d0324-1b9a-4590-a3a1-b10e3c68abc8": "How many trading losses in excess of VaR are expected over the course of a year with a 99 percent confidence level?", "be7dbfb5-708d-486b-ba99-21f03a0ab49e": "What types of revenue are excluded from the trading revenue used for backtesting according to regulatory agencies?", "4e50bfd7-a1a5-44ff-aba0-c8a39aa6d992": "What was the impact of less liquid exposures on the total covered positions and less liquid trading positions portfolio VaR for 2023?", "0302ee10-30f2-4348-ae95-b9d15198487a": "How does the total market-based portfolio VaR for December 31, 2023, compare to that of December 31, 2022?", "35cbc33e-1b11-43a2-9363-871f016d0b0a": "What actions are taken by senior management regarding the results of daily backtesting on VaR results?", "968728f3-bc18-4d4c-99d9-659e55b96403": "What does the term \"portfolio diversification\" refer to in the context of the VaR statistics presented in the document?", "0fe01c64-05ee-4ab7-88dd-fb1327cba0c3": "What types of revenue are excluded from the total trading-related revenue for backtesting purposes?", "032659ff-0641-4405-9da8-9cdc53463a15": "How often does senior management review the results of the daily backtesting on VaR?", "ec6a0123-543a-4b32-81fa-63af8587a0e9": "What was the performance of the subset of trading revenue in terms of losses compared to the total covered portfolio VaR during 2023?", "42f555ab-de4d-41cb-8d01-a0f794d1b6d4": "What factors contribute to the volatility of trading-related revenue?", "05517b9c-415c-46b7-97c0-6e77b1ff9199": "How does total trading-related revenue differ from total trading-related revenue excluding brokerage fees and CVA, DVA, and funding valuation adjustments?", "0c074917-30e2-4b8c-be7c-b0a2beaa63b9": "What percentage of trading days in 2023 recorded daily trading gains of over $25 million?", "a47c8f38-07f1-46c9-9b25-41c156f409a2": "What is the significance of the histogram mentioned in the document regarding trading volatility?", "84946462-7d88-4141-85aa-80ea02a276ad": "What types of financial instruments and markets contribute to total trading-related revenue?", "72284b3b-2790-4a81-a9c8-89674d17fc01": "How did the percentage of trading days with positive trading-related revenue in 2022 compare to that in 2023?", "55f89288-9f5a-436a-8c99-66c05181a638": "What are the primary drivers reviewed for significant daily revenue by business?", "c210ec3a-a68d-44ed-a83c-81592bd22702": "What is the primary purpose of stress testing in the context of the trading portfolio as described in the document?", "8ecdf171-2612-4621-aed9-18a0b0a9425f": "How are historical and hypothetical scenarios differentiated in the stress testing process for the trading portfolio?", "aea6f8df-1690-4aff-9d08-420d07e8f220": "What factors are considered when preparing forward-looking forecasts of net interest income for the banking book?", "d51a2e64-8369-44a6-8054-d2f8c6719490": "What is the significance of the Federal Funds rate in the baseline forecasts mentioned in the document?", "b780d955-2c34-49f4-a531-5ca87433825a": "How often are the stress test scenarios reviewed and updated according to the document?", "4ab87dfb-7102-4cf3-8039-3dc32da43568": "What are the main components that influence interest rate risk exposure in the banking book balance sheet?", "196b9dcf-a94a-44c2-ae87-7e79d3f9f059": "What is the overall goal of managing interest rate risk as stated in the document?", "f709bc89-0886-4ea4-bb84-64d8c3a03b51": "How does the cessation of LIBOR in 2023 affect the Corporation's baseline forecast for interest rates?", "b3a0d321-b151-4f3b-9e6c-e1c91d6dceda": "What types of market movements are simulated in the historical scenarios for stress testing the trading portfolio?", "4d398428-a8d2-41cb-a570-d591defeee12": "How are the results of stress tests communicated to senior management within the organization?", "a149ee27-6a1b-45ac-87c2-9bd481d7cc8e": "What factors contributed to the overall decrease in asset sensitivity of the balance sheet in 2023?", "9b154000-436a-41b1-a60b-7a0134b39976": "How does an instantaneous upward parallel shift in interest rates affect the fair value of debt securities classified as available for sale?", "cb785fb0-b7d9-454e-bcd8-46a310b82954": "What is the projected impact on net interest income from a +100 bps instantaneous shift in short rates as of December 31, 2023?", "66878806-3723-46e2-a80c-05b9cd6c84cd": "How does customer behavior regarding deposit portfolios influence net interest income in different interest rate scenarios?", "7347afb0-4895-4642-8434-db760fdac9f0": "What assumptions are made in the sensitivity analysis presented in Table 44 regarding the deposit portfolio size and mix?", "4e3d9087-209a-4d98-ac79-3dcd28cde90c": "What are the expected non-linear behaviors in interest rate sensitivity for shifts larger than 100 bps?", "aec7c521-fcd7-4f04-9daa-5b0fce13275a": "How would a significant decrease in long-end interest rates over the next twelve months affect customer prepayment behaviors?", "eaae9a17-4064-4124-9260-88e523dfd107": "What is the relationship between higher interest rates and accumulated OCI under the Basel 3 capital rules?", "277b3120-fb85-485c-af83-96145456d59e": "In the context of the document, what role do interest rate and foreign exchange derivatives play in managing interest rate sensitivity?", "41183619-7137-4003-b48e-856cd02ce2b6": "What is the impact of replacing low-cost deposits with higher yielding deposits in higher rate scenarios on net interest income?", "9c4804c6-020c-4fa6-ad01-d3d99c1409aa": "What impact would a significant decrease in long-end interest rates have on customer prepayment behaviors according to the document?", "5975b094-7ee8-48a0-b59e-1cc0a850323e": "How do changes in long-end interest rates affect net interest income in the context of mortgage-backed securities?", "7ff75d9f-fcdd-45a6-81cf-23fba19fb8c1": "What types of derivative contracts does the Corporation use to manage interest rate and foreign exchange risks?", "8d4221f7-c8d1-4e21-bd9c-6f00ef38a1f8": "What are the two broad categories of derivatives mentioned in the document, and how do they differ in purpose?", "8133254c-4686-42d3-95ef-655ae074f539": "How does the pricing of deposits respond to changes in short-end interest rates, particularly in decreasing interest rate scenarios?", "d49e2a90-8274-46b8-bacc-f834ffbe6ffa": "What is the significance of designated accounting hedges in the Corporation's interest rate risk management?", "49d0d73d-886c-4c6c-86df-d77da99f1908": "How does the Corporation manage foreign exchange risk related to its foreign operations?", "8b58c140-d1bc-419d-a082-20211655f2c9": "What factors can influence customer prepayment activity beyond long-end interest rates?", "afd8f58e-d29f-4100-9cff-ba39ea9a601c": "What types of foreign exchange derivatives are used to hedge foreign currency risks, as described in the document?", "3d4e9414-12c4-4c11-8eca-469140095dc7": "Why is the market risk related to foreign exchange derivatives considered not significant according to the document?", "af5975c9-36f7-4ae8-bc9a-3e7404a6d2f3": "What types of risks are associated with mortgage banking as described in the document?", "fb4c995f-8568-43fd-808f-49f06a569fbc": "How does the Corporation manage credit and liquidity risks in mortgage banking?", "bb8467df-4d47-43eb-afdb-9932b49de720": "What impact do changes in interest rates have on the value of interest rate lock commitments (IRLCs)?", "d04b34f1-343c-4146-8565-15da48c0420b": "What were the recorded gains from mortgage servicing rights (MSRs) for the years 2021, 2022, and 2023?", "542db19d-5d4f-48f4-8bba-9155386f7154": "What is compliance risk, and what are the potential consequences of failing to comply with applicable laws and regulations?", "85df2dd4-b040-4f41-9d67-378452460189": "What key operational risks does the Corporation face, as mentioned in the document?", "0351e916-82a9-4c99-99f8-abc658d50e88": "How do Financial Line Units (FLUs) and control functions contribute to managing compliance and operational risks?", "c555b5dc-b731-4160-b99a-acec09701cd4": "What role does the Global Compliance and Operational Risk team play in assessing compliance and operational risk?", "33aaa539-8c8d-4e47-a902-a35fe29e44c8": "How does the Corporation ensure oversight of compliance and operational risk management activities?", "813cec3d-94bd-4a83-bcfd-9bfc55afe904": "What is the significance of Basel 3 calculations in relation to operational risk?", "ea4d8001-92b7-419a-9d2d-7123c3c38506": "What are the primary responsibilities of the Global Compliance and Operational Risk teams within the Corporation?", "adc738d1-8b66-4dc9-b13c-560cbc19a510": "How does Corporate Audit contribute to the assessment of compliance and operational risk in the Corporation?", "d9a604a7-ebfb-4fda-b356-aecf738a311b": "What role does the Board play in overseeing compliance and operational risk management?", "88f94279-259e-48ab-aecb-2e8c9b6afa48": "Describe the approach the Corporation takes to manage cybersecurity risk.", "fac30b8a-1cdb-4acf-a62a-a916548f6090": "What are the three lines of defense in the Corporation\u2019s Global Information Security (GIS) Program?", "08ca405f-c230-4366-851f-a14daaafadf8": "How does the Global Compliance and Operational Risk team assess and monitor cybersecurity risk?", "b483c663-e40f-4442-a415-cc2b6a4fdf50": "What resources does the Corporation allocate to address cybersecurity threats and cyberattacks?", "0502a258-9d39-488a-bc44-17a60d913391": "In what ways is the GIS Program integrated with the Corporation\u2019s overall risk management framework?", "7818c7fa-84df-4f07-8136-f251134f12ab": "What types of risks does the Corporation aim to mitigate through its GIS Program?", "db1cf811-7ed7-4103-9b97-45a8809e7106": "How does the Corporation ensure the effectiveness of its cybersecurity policies and procedures?", "ab65cd4c-461e-4f5b-8c08-db7b18c14cb0": "What is the primary focus of the Corporation's policies and procedures regarding cybersecurity threats and incidents?", "8af7d8ca-6a64-4220-949c-0810409b8e8f": "How does the Corporation ensure the availability of business functions during a cybersecurity incident?", "50e66247-1255-4fee-8edc-1378599769f1": "What role does the GIS incident response team play in managing cybersecurity threats?", "be3c9b4a-a69c-4ba5-ad4f-bac1c9db5608": "How does the Corporation assess the cybersecurity programs of its third-party service providers?", "3bd6c53b-74a5-4936-9923-80af83a26cd8": "What measures are in place for the Corporation to respond to cybersecurity incidents experienced by third-party service providers?", "ec1f7f92-76f5-47a5-9452-105c3a069365": "How does the Corporation's governance structure facilitate oversight of cybersecurity risk?", "eaa9de9c-2345-415a-a8fb-53500bcbdd5b": "What types of reports does the Board receive regarding cybersecurity incidents and risks?", "3c639e89-eeb5-491c-a63d-79a906cc3239": "How frequently does the Board receive updates on the performance metrics for the GIS Program?", "376250ac-4fbd-4790-9c59-6c1ba54ab00d": "What is the significance of the Corporation's enterprise-wide program in managing cybersecurity risk associated with third-party relationships?", "7835a089-8e0c-478e-90c5-0190ff0cdeb7": "What expectations does the Corporation have regarding the frequency and severity of future cybersecurity incidents?", "28f695a5-6e39-40dc-a38a-f0d2861ef969": "What is the purpose of the quarterly memorandum sent by GIS to the Board regarding cybersecurity developments?", "a7555fb8-aafe-4d5d-bf09-10e3bcae15e5": "How does the Corporation ensure that the Board is informed about significant cybersecurity incidents?", "b4c440e1-2183-4df9-8f09-b95590a42bca": "Who is primarily responsible for managing and assessing cybersecurity risk within the Corporation?", "9b7f2462-d706-4453-bbbf-76ff066df762": "What role does the CISO play in the Corporation's cybersecurity strategy?", "4fb49a0c-d0a3-4f0f-8ead-3de709cc48df": "How does the Corporation's GIS Program align with the Gramm-Leach-Bliley Act?", "4ebf6352-103e-41cc-bdc6-1fb259a88e82": "What types of risks are included in the Corporation's cybersecurity risk appetite metrics?", "606011f8-5524-4a10-a06a-1319fe0340dc": "How does the Corporation manage reputational risk, according to the document?", "6c844899-5b05-41af-8475-82056ec92961": "What is the significance of the ERC's annual review of the GIS Program and Information Security Policy?", "ea50a836-26bd-45c8-8d52-3913401dc4ae": "How many information security professionals does the CISO oversee globally?", "f1e13a61-b61b-404d-8e2a-2182b5535c8e": "In what ways do employees across the Corporation contribute to cybersecurity risk management?", "8563f1d1-01d8-4b3a-b51f-589f79a5c13a": "What processes does the Corporation have in place to mitigate reputational risks in a timely manner?", "18fbc425-54ea-41ac-9992-f8868203b792": "How does the Corporation categorize climate-related risks, and what are the two major categories mentioned?", "ddd46be5-cf08-464e-a905-28b7d784b57b": "What are the potential impacts of physical risks of climate change on the Corporation's operations and credit risk?", "bc0a4460-f9fb-4259-9c9f-b9bf25e1b067": "Who provides primary oversight of reputational risk within the Corporation?", "f401293a-20ba-4e25-9a6f-0e2c704db9e9": "What is the role of the Corporate Governance, ESG and Sustainability Committee (CGESC) in relation to climate risk management?", "a683bfae-e01d-4aee-be48-0d5dc606bb1b": "What specific climate-related commitment did the Corporation make in 2021 regarding greenhouse gas emissions?", "399fdeaf-7877-4b30-9a5c-410624469310": "How does the Corporation's Climate Risk Council contribute to managing climate-related risks?", "210a1919-e0cd-475e-b5f0-ab0ba1af8c56": "What is the purpose of the Climate Risk Framework established by the Corporation in 2023?", "cf7f351d-5331-452c-944e-907ba7035133": "How does the Corporation's governance structure facilitate oversight of climate risk management?", "631b84a5-6d95-49df-97c3-590cfc8d905e": "What actions does the Corporation take if it fails to meet its climate-related commitments or goals?", "289f4130-852a-4526-b827-5c3c89b7c81c": "What is the Corporation's commitment regarding greenhouse gas emissions by 2050?", "4c11d140-50cb-46b1-b89f-002e7634d7aa": "What framework was released in 2022 to support the Corporation's Net Zero goal?", "c7e184f0-010f-4a83-9be6-920251b0988a": "How much is the Corporation dedicating to support the transition toward a low-carbon economy as part of its sustainable finance goal?", "223e2f86-7be0-4233-9b02-3915abde5286": "What are the interim targets set by the Corporation for 2030 related to financing activities?", "38e865d2-839e-43d6-b85d-f02c647c2927": "Which sectors have specific 2030 Financing Activity Emissions Targets announced by the Corporation?", "4558ca19-7053-4d18-b2f2-7efb902c7755": "What challenges might the Corporation face in achieving its climate-related goals and targets?", "53d20a60-3ce5-483a-b83d-a10fb40370e9": "Where can one find more information about the Corporation's climate-related goals and commitments?", "52964d23-a5bc-4ec9-992a-8048a168d0f1": "What does the Corporation's Climate Risk Framework address in terms of risk management processes?", "564d642b-7043-42dd-b342-861b9538028b": "What is the significance of the 2023 Task Force on Climate-related Financial Disclosures (TCFD) Report for the Corporation?", "0ccdabc2-0e98-4cae-9d4e-8f0dd39eea75": "What do the forward-looking statements in the document imply about the Corporation's climate risk management goals?", "596cd6c0-73f2-4039-8b63-1931be5a32cf": "What are the key factors that influence the determination of the allowance for credit losses in the Corporation's financial statements?", "aa30a5c1-7026-40c2-8fae-0ac78d985b46": "How does the Corporation incorporate macroeconomic scenarios into its expected credit loss (ECL) calculations?", "98daac58-e28c-4e38-a517-dd869c416b7d": "What is the projected U.S. average unemployment rate for the fourth quarter of 2024 according to the document?", "153e49d6-65f3-49f9-851f-eacb60a3d95c": "Describe the significance of complex accounting estimates in understanding the Corporation's Management Discussion and Analysis (MD&A).", "64c30e9c-9ec3-4416-acbc-b5b3fd5ced15": "What are the potential impacts of actual performance differing from the Corporation's estimates of key variables?", "311c04d5-2510-4ba6-a92a-35772814c552": "How does the Corporation's economic outlook for 2024 compare to the previous year's experience in terms of GDP growth and unemployment rates?", "375c6375-77fb-4fd8-b7d5-9c7da061a3a9": "What are the different macroeconomic scenarios considered by the Corporation in its ECL calculation?", "b61686d9-fd18-412d-8ace-d06f115b404a": "As of December 31, 2023, what was the forecasted year-over-year growth rate for U.S. GDP in the fourth quarter of 2023?", "2c36aea8-eabb-4043-b80c-a74ba282d943": "What procedures does the Corporation have in place to facilitate making complex accounting judgments?", "16b816dd-d746-4450-b999-0f93a6680864": "How might fluctuations in credit and market conditions affect the Corporation's future operating results?", "5fb60da2-46e5-4210-8213-315c220fa44c": "What was the forecasted GDP contraction for the fourth quarter of 2023 according to the document?", "6569c5ad-f21e-41f9-a6aa-f8f9af4334cb": "What is the projected year-over-year GDP growth for the fourth quarter of 2024?", "45f4448d-3329-4b52-883e-49ef97d9eaae": "As of December 31, 2023, what was the consensus estimate for the U.S. average unemployment rate in the fourth quarter of 2023?", "4327c8f9-a74f-493b-a005-91752d5f4e2a": "How much did the allowance for credit losses increase from December 31, 2022, to December 31, 2023?", "38a6e953-4864-4d30-a081-c4532c0f2ad7": "What factors can impact the allowance for credit losses as mentioned in the document?", "a4bf4afd-be24-47ca-a959-6539504b374a": "What was the forecasted U.S. GDP growth for the fourth quarter of 2025?", "5070f2d2-cbbb-4724-ad82-8702575d110b": "What primary driver of loan-to-value ratios (LTVs) is mentioned in relation to the consumer real estate portfolio?", "5cb5b2fd-6417-452e-9c30-93f8a8cdd375": "What were the weighted macroeconomic outlook forecasts for the U.S. average unemployment rate in the fourth quarters of 2024 and 2025?", "65b7a4e4-ccaf-4b1d-b23c-4e0092793628": "What specific changes in asset quality can affect the allowance for credit losses?", "12dbc920-6669-411a-838c-7ecb0097c836": "How did the reserve build in Bank of America contribute to the changes in the allowance for credit losses?", "0e25577e-6abe-4520-a217-a10477649b9f": "What factors contributed to the reserve release in the commercial portfolio mentioned in the document?", "50aba196-4680-4028-b83a-0994613684a6": "How does the adverse macroeconomic scenario affect the estimated allowance for credit losses compared to the baseline scenario?", "a1d689e9-2a12-460d-85f7-94c884f3cd1d": "What is the hypothetical increase in the allowance for credit losses resulting from the sensitivity analysis?", "83bada2c-1daa-4a32-b39d-32f221bf8bca": "What are the three levels of the fair value hierarchy used for measuring financial instruments according to the document?", "9107924d-de30-41b3-8ab3-a6a1916ac99e": "How does the Corporation ensure the reliability of inputs used for fair value measurements in periods of extreme volatility?", "9694a2b8-b892-48de-b996-3ab25eb867c5": "What types of valuation techniques are used to determine the fair value of Level 3 financial assets and liabilities?", "726a0697-4092-4d16-bf63-98a026c69929": "What role do qualitative reserves play in the estimation of the allowance for credit losses?", "d6ae5282-b835-4c09-be6e-a062dc08f0c6": "How does the Corporation classify financial instruments based on the observability of inputs used in their valuation?", "732242b0-7d84-463b-8c25-f3b61d1d3e8a": "What processes and controls are in place to validate the quantitative models used for financial statement fair value determination?", "626c2c61-f128-46ef-a974-4486fbddf794": "How can gains or losses associated with Level 3 financial instruments be offset according to the document?", "33285c83-b76c-4b9e-aad3-8d078702a5a4": "What are Level 3 assets and liabilities classified based on in the fair value hierarchy?", "06723cb4-c5a5-4768-a2d0-e205136ab7ba": "Which valuation techniques are used to determine the fair value of Level 3 financial assets and liabilities?", "1c7827ba-0a70-4d11-b0c6-7c532b3bbabe": "How does management judgment or estimation play a role in the valuation of Level 3 financial instruments?", "0540efd5-9b49-4422-9656-d3820b7d90ae": "Can Level 3 financial instruments be hedged, and if so, with what types of derivatives?", "3ebd0532-e145-4f9c-bce0-151e13b7942f": "What impact do Level 3 gains and losses have on liquidity or capital according to the document?", "796e5ae5-9328-4345-a6c6-04cfa47c3074": "How often does the organization review its fair value hierarchy classifications?", "a30e7a4d-521e-4281-876c-ccfca2311f99": "What is the significance of unobservable inputs in the classification of Level 3 assets and liabilities?", "69e4b615-1afa-49ec-a622-a4acfc7abfd0": "What methodologies are mentioned for determining the fair value of Level 3 financial instruments?", "b0d79045-8a71-451b-9b7e-be9c1f9b4f7a": "How are transfers into or out of Level 3 determined according to the document?", "b7c4b451-0b65-43b9-bf63-a25d91e2ae2f": "What is the relationship between Level 3 financial instruments and those classified as Level 1 or 2 in terms of gains and losses?", "7073e59e-08bf-40bb-b47a-73a28a6a77af": "What are the key factors considered when estimating accrued income taxes for various jurisdictions according to the document?", "e3fc6700-ba6a-4814-bf0c-eaf57160046f": "How does the Corporation determine the need for valuation allowances on net deferred tax assets?", "bdc0f77a-02b9-4d60-a80d-feac2fa2e774": "What methods were used in the quantitative assessment for goodwill impairment testing as of June 30, 2023?", "0f24b930-9643-48e1-a9eb-7a88aff2478c": "What are the main assumptions utilized in the income approach for estimating fair value during the goodwill impairment test?", "e06a0cb5-73e3-456d-9b92-da86accb5c36": "What is the significance of net operating loss (NOL) and tax credit carryforwards in relation to deferred tax assets?", "15149b2e-5822-4701-b256-96919b13982f": "How often does the Corporation test its goodwill for impairment, and under what circumstances might this frequency change?", "2da197a9-3094-443d-90f4-22e68ddeec00": "What information can be found in Note 20 regarding fair value measurements for Level 3 assets and liabilities?", "4e380671-c9d3-4515-859d-c951e5a0c99b": "What are the potential consequences of changes in income tax laws on the Corporation's accrued income taxes and deferred tax assets?", "8a6367b6-dfaa-4391-87e4-9b4e378d0c9c": "What is the purpose of monitoring relevant tax authorities in relation to accrued income taxes and deferred tax assets?", "934f9fec-ef6f-46c9-a6fb-41b033e1cfc4": "Where can one find additional information about significant tax attributes and related risks in the financial statements?", "07450d5a-ef35-4a44-8a7d-0dcaf4ccbccc": "What are the key components used to reconcile average shareholders\u2019 equity to average tangible shareholders\u2019 equity in the document?", "0cd8a222-df4b-4dfb-b857-536f78cba6aa": "How does the tangible common shareholders\u2019 equity for the year 2023 compare to that of 2022?", "f5751a6b-2f3e-4258-810c-c137fd188da5": "What is the total amount of shareholders\u2019 equity reported for the year-end of 2023?", "c5747c18-72e0-48a2-9a59-a38192a484f1": "In the quarterly reconciliations, what was the shareholders\u2019 equity for the first quarter of 2023?", "c3ae7a84-9596-4aa2-8dc8-ac40f6bac552": "What adjustments are made to calculate tangible assets from year-end assets according to the document?", "cb11d5f6-96c0-4089-851f-2dff2957fdb9": "How much did the intangible assets (excluding MSRs) amount to for the year-end of 2022?", "4b68e909-485a-4c43-9a87-db068e4db558": "What is the significance of the related deferred tax liabilities in the reconciliation of tangible shareholders\u2019 equity?", "69bd753e-6fbd-40f0-a95e-26ae360cf12a": "Which year reported the highest tangible common shareholders\u2019 equity according to the annual reconciliations?", "64b87c7e-e8ff-4313-8680-a4a24e20a349": "What is the purpose of providing reconciliations of non-GAAP financial measures to GAAP financial measures in the document?", "30e9b9c8-baee-470e-8277-c042f13eed14": "How does the goodwill amount remain consistent across the years in the reconciliation tables?", "87ceaeae-136c-404d-bb8d-371d3211e448": "What is the total amount of shareholders' equity reported in the document?", "6dc994b5-f47e-4910-a865-ba581a7c909b": "How does the tangible common shareholders\u2019 equity change over the reported periods?", "a7bdffe3-8e36-4a97-8a24-686b7a1b4044": "What are the values of goodwill listed in the document?", "3f735187-0a14-440d-8fe9-f67af6919546": "What is the relationship between deferred tax liabilities and tangible shareholders\u2019 equity?", "99351528-8149-4f7c-a600-02a81d7f89e5": "How much are the intangible assets (excluding MSRs) valued at in the document?", "b4683110-9cbf-452d-af8b-c9e6b4cc69c0": "What is the preferred stock value mentioned in the document?", "95828b29-8092-4003-9b87-5c2750f96d45": "How does the total assets figure compare to the tangible assets figure in the document?", "2bd7ef16-2250-4355-827c-5ca0f7081f00": "What is the significance of the reconciliation of period-end shareholders\u2019 equity to tangible shareholders\u2019 equity?", "e4b3de50-3637-4189-9a13-b249a212c009": "What is the lowest recorded value for tangible common shareholders\u2019 equity in the document?", "8dbf8149-58f2-4888-95e0-40a685238114": "How do the values of related deferred tax liabilities fluctuate across the reported periods?", "eb752d91-ac74-47b0-a344-1b2498c47078": "What is the total amount listed under tangible assets in the document?", "a0609e24-e74b-4a88-aa06-b67f1fef8517": "How much goodwill is recorded in the provided financial data?", "20da4f31-c342-4759-b487-4d0fc6181e24": "What are the values of intangible assets (excluding MSRs) for the years mentioned?", "9dd8010c-b67c-4cfd-ac75-860154a37281": "What is the significance of the related deferred tax liabilities in the financial summary?", "83b611d8-8a2d-43df-8c2b-ab5eb2df7aad": "How does the document categorize the financial measures it presents?", "4c18a4cb-5906-4d43-b92c-533b8ab9220d": "What is the purpose of the reconciliations of non-GAAP financial measures to GAAP financial measures mentioned in the document?", "d02fda2a-4466-4495-88ca-b23b071abc6a": "Which financial institution is referenced in the document?", "97c32add-9115-4f27-904b-45d46667671e": "What is the trend observed in the values of tangible assets over the years provided?", "1e6e5634-6b21-4a1e-9bc1-93d3f9809022": "How many times is the figure for goodwill repeated in the document?", "9c12f9cc-fa46-47f0-b3e5-8c28d8a87117": "What additional information can be found on page 29 of the document?", "06a467e7-1eb1-4576-b9d8-186f5fdbc0e2": "What section of the document provides information about Market Risk Management?", "be7ba32d-addf-4881-9c70-8a6472a82746": "Which item in the document contains the Consolidated Statement of Income?", "247d44e2-b01d-49d8-8f89-a474515d6c89": "How many notes are listed under Item 8 regarding Financial Statements and Supplementary Data?", "97f53b4f-147b-4e95-8d1f-fd5a5b6df2e4": "What is the page number for the Consolidated Balance Sheet in the document?", "4b9767c2-bc03-45be-9fef-0c8c92d1f875": "Which note discusses Derivatives in the financial statements?", "132e1d7f-b499-4ab7-a47a-b35d28f76ef3": "What is the focus of Note 5 in the financial statements?", "4176a651-fd3c-44d8-a8bc-9a531617d98c": "Where can one find information about Regulatory Requirements and Restrictions in the document?", "b09e1cab-5cf5-405b-8b77-e23be086d189": "What type of information is covered in Note 20 regarding Fair Value Measurements?", "37ab35f2-2d9c-4f42-9f94-5ad987dd0a16": "Which item in the document addresses Employee Benefit Plans?", "8baf989f-bbb4-43de-9984-fdcedab6715e": "What is the purpose of the Glossary section found on page 169?", "3c9090d3-cc0c-44be-9c76-c76996b23505": "What is the primary responsibility of the management of Bank of America Corporation regarding internal control over financial reporting?", "4e45476a-69d1-4576-ae50-c5235a207763": "What framework did management use to assess the effectiveness of the Corporation\u2019s internal control over financial reporting as of December 31, 2023?", "837a62ca-3222-4a52-bab0-726370a445bf": "Who conducted the audit of the Corporation\u2019s internal control over financial reporting, and what was the outcome of that audit?", "4be744c8-9f7d-445f-9255-e5dc0b06fb97": "What are the three key components of the Corporation\u2019s internal control over financial reporting as described in the document?", "01f9fef0-5316-440b-aae1-7303cb95323a": "What inherent limitations are mentioned regarding internal control over financial reporting?", "2f03e894-5cd3-45fa-a292-f714a4d826e6": "As of what date did management conclude that the Corporation\u2019s internal control over financial reporting is effective?", "cbb55936-7fa2-49e2-9c3a-51447eb55b98": "What does the internal control process aim to provide regarding the reliability of financial reporting?", "c1e202ed-aef3-46be-abe8-798f96412d40": "Who are the two individuals that signed the report, and what are their respective titles?", "0cbad756-dbc5-42f1-a1a5-92edd24c182c": "What does the document state about the potential for misstatements in financial reporting despite having internal controls in place?", "b4991edd-59fe-4355-afc1-2c0481c8d430": "How does the Corporation ensure that transactions are recorded appropriately according to the document?", "efe30fd0-76ef-4bf9-b00a-c4789d258317": "What is the purpose of the report issued by the Independent Registered Public Accounting Firm for Bank of America Corporation?", "fe0b044c-d106-42fc-9b30-38192ea953d7": "As of what date were the consolidated balance sheets of Bank of America Corporation audited?", "8077836c-7155-41cd-bc84-7ef820eb9aa2": "What criteria were used to assess the effectiveness of internal control over financial reporting in the audit?", "824e2112-e718-4cd6-8f0a-0eb81d68e6a7": "Who is responsible for maintaining effective internal control over financial reporting according to the document?", "7b024d9b-89ff-4705-a095-8d205fadb987": "What standards did the auditors follow while conducting their audits of Bank of America Corporation?", "9ccb4228-bd4e-4d47-8aa5-4c6fb0c3e390": "What are the two main opinions expressed by the Independent Registered Public Accounting Firm regarding Bank of America Corporation's financial statements?", "bc9f1618-96d6-4bdd-9236-aa42e095b27f": "What does the term \"material misstatement\" refer to in the context of the audit?", "375883a5-dcf9-40be-b488-f22fe540dca4": "What limitations are associated with a company's internal control over financial reporting as described in the document?", "f2f800c0-14b8-468e-83a8-64aba77276df": "How does the Independent Registered Public Accounting Firm assess the risk of material weakness in internal control?", "736a8c65-221d-4884-bb54-3df142b1f868": "What is the significance of the \"Internal Control - Integrated Framework\" mentioned in the report?", "f7b6fb1c-4df9-4348-ad5a-5510087ee802": "What is the primary purpose of a company's internal control over financial reporting as described in the document?", "1d7085ab-55c2-446b-8dae-6f3912eabc8b": "How does the audit process evaluate the effectiveness of internal control over financial reporting?", "32cb2468-59d0-4812-b5bb-70c245560306": "What are the inherent limitations of internal control over financial reporting mentioned in the document?", "75f3a3e2-42d2-4b65-a612-31796f57fc88": "What constitutes a critical audit matter according to the provided text?", "1f17c8a5-2937-4958-ac03-3f6875e2c3e6": "As of December 31, 2023, what was the amount of the allowance for loan and lease losses reported in the consolidated financial statements?", "43638824-139a-42d4-ae59-d0315abec476": "Which types of loans are excluded from the allowance for loan and lease losses as per the document?", "480d435a-c66a-4eb6-888c-9583b9e084c6": "What factors are typically considered in estimating expected credit losses for commercial and consumer card loans?", "6f9e5ada-dd08-47b0-ac69-9bcb8eb795e6": "How does the document define the role of management in relation to internal control over financial reporting?", "84194e14-a587-46c5-a36f-7b84bbbb06a3": "What is the significance of communicating critical audit matters to the audit committee?", "fd5bd4ef-ded7-4932-8d5e-14d50494d620": "In what ways can the effectiveness of internal control over financial reporting change over time, according to the document?", "339d5f22-447f-4398-8312-1962fe9ec345": "What factors does the Corporation consider when determining the allowance for loan and lease losses in its portfolio?", "d0a63082-dcbb-4cdf-8ff2-5444a6226ed0": "How does the Corporation incorporate forward-looking information into its loss forecasting framework?", "197dc2b0-ef73-42d1-be5e-721c488ebd84": "What are some of the macroeconomic variables that influence the Corporation's credit loss forecasts?", "38cf847a-a9dc-4add-87e3-b77863a6050b": "Why is the allowance for loan and lease losses for the commercial and consumer card portfolios considered a critical audit matter?", "9184cae4-0ec3-4854-828b-be7977614c16": "What procedures did auditors perform to evaluate the effectiveness of controls related to the allowance for loan and lease losses?", "6118f1f5-a3f2-4a45-9eb0-546aa6ce3710": "What is the significance of Level 3 financial instruments in the Corporation's financial statements?", "c5ba0054-408a-4020-b667-faa3907bdcc6": "How does the Corporation determine the fair value of Level 3 financial instruments?", "cdfc6f33-1356-495d-ae1e-6bc24acf6eb1": "What role do unobservable inputs play in the valuation of Level 3 financial instruments?", "42c0c139-5da4-428a-8a00-4db06a7dfcff": "Why is specialized skill and knowledge important in the audit process for the valuation of certain financial instruments?", "5fdbda84-d379-4ea3-9d39-5f6b8a7f9157": "What challenges arise from the inherent uncertainty in quantitative models built on historical data when estimating loan losses?", "45b82c79-24c0-4134-84fe-c84d67dcb25b": "What are Level 3 financial instruments, and why are they significant in the context of this document?", "b63bfe94-3393-48d0-9aed-1ceb42bd5cb0": "What role do unobservable inputs play in the valuation of financial instruments according to the document?", "b171ca01-b176-47e1-a2b4-f628187d1578": "Why is the determination of fair value for certain financial instruments considered a critical audit matter?", "2c5a3b70-9560-40b8-9f94-27b02fc2f9fb": "What procedures did the auditors perform to evaluate the valuation of financial instruments?", "096d6b69-5190-44fe-92ab-dae4ac14fb0d": "How does management's estimation affect the auditor's judgment and the audit process?", "20247074-682e-4e90-af06-f323a3436e0c": "What specialized skills and knowledge were involved in the audit procedures described in the document?", "f3597e79-fbcd-442d-9aae-7d158f330fea": "What is the significance of testing the effectiveness of controls related to the valuation of financial instruments?", "2ca61947-3af6-4a42-b778-47585d537b36": "How did the auditors develop an independent estimate of fair value for the financial instruments?", "ad64c6dd-3c2b-41a5-901f-2e8fbe05c005": "What factors were evaluated to determine the reasonableness of management's significant unobservable inputs?", "122e0f13-911b-4161-b4df-af6776ec5010": "Since when has the Corporation's auditor served, according to the document?", "fb2d53cf-9eb3-454e-ab42-8ba179923e89": "What was the net interest income for Bank of America in 2023?", "9df69765-14d5-4d10-bb01-7c9240a0f25e": "How much did Bank of America report in noninterest income for the year 2023?", "24d9b863-6895-4c30-8d9a-629e7ec8534f": "What was the total revenue, net of interest expense, for Bank of America in 2023?", "08dc28ed-7754-413a-b38b-bcb8113baf70": "What was the provision for credit losses reported by Bank of America in 2023?", "2e6bde04-9516-4a96-96d9-b3790b008af0": "How much did Bank of America spend on compensation and benefits in 2023?", "4d6b1182-e26d-44e3-bdef-9f1206824ffd": "What was the net income applicable to common shareholders for Bank of America in 2023?", "2525988a-4e07-44ca-8cf3-8758eb150f66": "How did the earnings per common share in 2023 compare to those in 2022?", "431b38b4-2252-4e9b-847e-906f50d30a32": "What was the total comprehensive income for Bank of America in 2023?", "d1a66bc5-a691-45df-accf-0f212fd3eb82": "What was the change in debt securities reported in the other comprehensive income for 2023?", "1f400f66-8a8b-4a9e-bc2d-4a6af349ebc1": "How many average common shares were issued and outstanding in 2023 for Bank of America?", "e5d06678-4bb1-42bb-9d7a-839c8d23e63a": "What was the total amount of cash and cash equivalents reported by Bank of America Corporation as of December 31, 2023?", "9bb2f95d-e746-4fdb-a921-eead59aa2c9d": "How much did Bank of America Corporation report for interest-bearing deposits with the Federal Reserve and other banks in 2023?", "e7fa430e-050c-4c6a-aaa8-e984ced93c08": "What is the value of total debt securities held by Bank of America Corporation as of December 31, 2023?", "7c92ce5a-0f31-42fc-baf5-885b8a665a59": "What was the allowance for loan and lease losses reported by Bank of America Corporation in 2023?", "1d8ba40b-f08b-483a-b647-dac993e35126": "How much did Bank of America Corporation report for loans and leases, net of allowance, as of December 31, 2023?", "0dfe7d4d-627a-493a-b4c6-28de9e90bc6e": "What was the value of goodwill reported by Bank of America Corporation at the end of 2023?", "b38fd60e-f0db-4b74-a2fc-6a349a1e8e34": "How much did Bank of America Corporation report for customer and other receivables in 2023?", "5e8dc3e9-5a6a-44de-b4c0-3a9e87e06b0d": "What is the total amount of assets reported by Bank of America Corporation as of December 31, 2023?", "648d1b88-a780-48ae-8089-c47e0b84c1c3": "How did the noninterest-bearing deposits in U.S. offices change from 2022 to 2023 for Bank of America Corporation?", "ba9bb11b-4506-43b7-9e0c-866ec680da98": "What was the fair value of the held-to-maturity debt securities reported by Bank of America Corporation in 2023?", "28cdb26c-620c-4225-a805-f6aa67893552": "What is the total amount of noninterest-bearing deposits in U.S. offices as reported in the document?", "f53a5ae9-3c29-4629-ad2f-52ef33cad527": "How much are the interest-bearing deposits in non-U.S. offices according to the provided data?", "05d49d79-3fb5-4138-91c1-e1ab56e58eaa": "What is the total liabilities figure reported in the document?", "5b9c49df-56e5-4949-8a5a-b74b9e804eac": "How much is the shareholders\u2019 equity for the period covered in the document?", "090845b8-f33f-41ec-b686-780a2c3a8faa": "What are the total assets of consolidated variable interest entities mentioned in the document?", "4e424191-94a9-4c41-a2c9-ad23c97235f3": "How much is included in short-term borrowings that are measured at fair value?", "02f62ee4-ef93-4fae-8642-042c44740710": "What is the amount of accumulated other comprehensive income (loss) reported in the document?", "2949803d-dfc0-48f0-a7f1-795b475aa526": "How many shares of preferred stock are issued and outstanding according to the document?", "53b5398e-788d-4bb3-8319-4bfd4163bd3a": "What is the total amount of trading account liabilities as stated in the document?", "f530bd4b-e94f-4c68-b080-1de40931c10b": "How does the total liabilities and shareholders\u2019 equity compare between the two periods mentioned in the document?", "acc2fdff-40d5-417a-aa25-1dddf58ae88c": "What organization is mentioned in the document regarding the exploit?", "64b664c2-88f9-4341-98a3-4f63c1e9611c": "What is the numerical code associated with the document?", "c350b29b-b5f5-4933-ad69-66ad1af6797c": "Is there any specific type of exploit detailed in the document?", "2a2712f2-6d40-47b2-bcf4-de7015181829": "What is the significance of the number \"91\" in the context of this document?", "ce9aaad5-5a99-4668-aba3-47a6af327994": "Does the document provide any details about the nature of the exploit related to Bank of America?", "ed297410-0386-4cc5-a0f9-788bf0e806be": "What is the primary focus of the document based on the provided information?", "08f37cb0-ccbb-4ef0-9ebf-c2b30961734a": "Are there any indications of the impact or severity of the exploit mentioned in the document?", "3a2ca1e2-2f36-4cdc-81d1-78f7e603f6e5": "Is there any mention of a timeline or date related to the exploit in the document?", "11472f71-c4af-4bc0-a0c4-6ef413348819": "What type of financial institution is referenced in the document?", "c510d152-808b-40e9-94a3-27d9d68bba27": "Does the document provide any context or background information about the exploit affecting Bank of America?", "07ec6c19-0862-4d3c-ae02-d670197ea06b": "What was the total shareholders' equity for Bank of America Corporation as of December 31, 2022?", "a785da81-6937-4391-b64d-f6e66e63b27a": "How much net income did Bank of America report for the year ending December 31, 2021?", "3f97600f-2a65-4189-b0b1-370a944bb555": "What adjustments were made to the accumulated other comprehensive income (loss) for the year ending December 31, 2023?", "bf64af87-9faa-4648-809b-8ab2c8ec00fc": "What was the amount of common stock repurchased by Bank of America in 2022?", "4ab3ae84-914e-4977-a9f8-3179ebca62df": "How did the issuance of preferred stock change from 2021 to 2022?", "71c5d638-74bc-4f91-9926-e53754d30185": "What was the cumulative adjustment for the adoption of the credit loss accounting standard in 2022?", "bbec547a-7ba7-4b21-ac8d-7f6db5c378c7": "How much in dividends was declared for common stock in 2023?", "80c7345c-95ff-4978-9be5-154726058f75": "What was the net change in derivatives for Bank of America in 2022?", "77c29cde-2635-47a0-9ada-f9ed396ad75e": "What was the balance of retained earnings for Bank of America as of December 31, 2021?", "d9ba080a-19c2-4aa2-a3e9-5128f9145c78": "How did the total shareholders' equity change from December 31, 2020, to December 31, 2023?", "0456a17a-1c53-4278-ae55-f06ad9067853": "What adjustments are mentioned in the document regarding employee benefit plans?", "29fdb7c7-62f5-43cd-b6be-b222ab8e3fee": "How much was declared in common dividends according to the document?", "b3dec327-b86c-4759-946c-84dfed076406": "What is the net change in foreign currency translation adjustments reported?", "77ba3882-9d23-4a46-9606-1fa3103babc8": "What was the balance of common stock repurchased as of December 31, 2023?", "d56d6762-c6b7-46d1-a499-5d3a96c209b8": "How much common stock was issued under employee plans, net, and other?", "0111d7e1-eff1-4673-af35-972eb66de6b9": "What is the total balance reported in the document as of December 31, 2023?", "a695a8df-f9a2-4054-8a63-30a2837ca9f3": "What amount is listed for preferred dividends declared in the document?", "f3bb5ef3-6e07-406c-ada3-58d182cf94b0": "How many shares were repurchased in the common stock repurchase section?", "c9042a48-0c0d-4d0a-a1da-f18893d11431": "What is the significance of the figure 291,646 in the context of the document?", "9b2e0f8b-33c6-42da-b847-745f5c406202": "What does the document indicate about the accompanying notes to the consolidated financial statements?", "8a254aa4-1602-4462-a2bb-0825a55adbcf": "What was the net income reported by Bank of America Corporation for the year 2023?", "6d4dc1cf-e751-493b-b94b-01f35367e9ae": "How much did Bank of America Corporation allocate for the provision for credit losses in 2023?", "8c329cb7-6515-4bd6-882d-4d0794182855": "What were the total proceeds from sales of debt securities in 2023?", "a84c7754-12d8-4b60-9805-708a505b11a6": "How did the net cash provided by operating activities in 2023 compare to the previous years, 2022 and 2021?", "425d9c3c-2e95-4415-ac11-ca0b4b6c66ef": "What was the amount of stock-based compensation reported by Bank of America Corporation in 2023?", "3e250a37-251a-4b12-8aef-3dfd919402bf": "How much did Bank of America Corporation spend on purchasing debt securities in 2023?", "cd4e9c99-9cb3-4c06-bddc-3be21ff625f4": "What was the net cash used in investing activities for Bank of America Corporation in 2023?", "6d4f57d3-8ba9-49e2-b746-3473f8eb405e": "How did the net change in deposits for Bank of America Corporation in 2023 compare to the previous year, 2022?", "b9235831-94d2-40d5-a63d-3dfdbd1197fb": "What were the proceeds from the issuance of long-term debt for Bank of America Corporation in 2023?", "174569af-28e7-40b1-aad3-870bf9a4005f": "What adjustments were made to reconcile net income to net cash provided by operating activities in the 2023 financial statement?", "6d0c5a41-1a3d-493d-8296-4612b8bc2ac1": "What is the total net cash provided by (used in) financing activities for the period described in the document?", "45aad434-0d42-4d6f-b8b2-d9887406bc09": "How much cash was used in investing activities according to the document?", "cd1c93f6-8aeb-46fd-b506-1b3672335953": "What was the effect of exchange rate changes on cash and cash equivalents as reported in the document?", "29761067-333c-4918-86fb-4d1f37e4a415": "What were the proceeds from the issuance of long-term debt during the reporting period?", "1ecbff25-356c-4723-b990-c8ea5ce6d595": "How much cash dividends were paid according to the supplemental cash flow disclosures?", "eb2f3471-df8c-4110-b584-cc4dfef22604": "What was the net increase (decrease) in cash and cash equivalents for the period?", "54eac326-a9b0-4f52-a663-5e44829e3ab9": "What is the amount of common stock repurchased as stated in the financing activities section?", "b497916e-f5d0-46bf-8d4e-d500d61f0413": "How much was paid in income taxes, net, as disclosed in the supplemental cash flow disclosures?", "1aa6b042-5236-4b07-9f45-b99b818d7ec0": "What were the cash and cash equivalents at December 31, as reported in the document?", "f1762f91-1fc8-4484-bd03-3ee5f2629ff8": "What is the amount of federal funds purchased and securities loaned or sold under agreements to repurchase?", "f349b8c3-2c25-4c6d-98b2-ce3091e3d4d7": "What is the primary focus of Bank of America Corporation as described in the document?", "482eeeb6-a7f9-4fb9-b577-2432fb330564": "How does Bank of America Corporation account for its investments in companies where it has significant influence?", "f5d73165-a639-428d-95aa-9eae49b94832": "What changes were made to segment reporting requirements by the FASB, and when do they take effect?", "8e4946b9-8779-4c8b-847f-585cff909927": "What impact did the adoption of the new accounting standard for expected credit losses have on Bank of America Corporation's allowance for credit losses?", "61f823e2-944b-4547-a6bb-8db84523442e": "What types of cash and cash equivalents are included in Bank of America Corporation's financial statements?", "4ad7f334-c3fd-43ee-a2d1-771454b212d6": "How are securities financing agreements treated in Bank of America Corporation's accounting practices?", "47fbc8e1-dd5b-4a29-989b-51387b6fb69d": "What is the significance of the cumulative-effect adjustment recorded by Bank of America Corporation upon adopting the new credit loss standard?", "b51ff46d-18d4-431b-94d3-1b588c43e634": "What are the implications of the new income tax disclosure requirements issued by the FASB for Bank of America Corporation?", "a6917f30-6f13-484b-af27-082911e430d2": "How does Bank of America Corporation handle intercompany accounts and transactions in its consolidated financial statements?", "58483332-ca7b-4e8e-a4c6-0d1218282381": "What are the criteria for including variable interest entities (VIEs) in Bank of America Corporation's consolidated financial statements?", "8527625f-c7bf-437b-8b6e-bfb0e6604894": "What are the components included in cash and cash equivalents according to the document?", "305b97e2-2749-424e-978f-c30118b07a50": "How are securities financing agreements treated in terms of accounting, as described in the document?", "d004e916-52bd-4655-a594-a5f13224a7bf": "What is the Corporation's policy regarding negative interest in securities financing agreements?", "a23cfe0d-3cc3-49df-a7ad-799869bc2d03": "How does the Corporation manage collateral in securities financing agreements?", "6352bbb6-3be1-491d-b297-aea32ed0a467": "What criteria are used to determine the fair value of trading instruments?", "0dfe2b6b-a58a-476a-b3fe-7325f34cdcc9": "What happens to realized gains and losses from trading instruments as per the document?", "7632520f-26b6-4844-9387-82d6f57ca990": "How does the document describe the treatment of restricted cash balances?", "01f2d8cd-75a3-4859-baf4-7d312d9c8e92": "What is the significance of monitoring the market value of principal amounts loaned under resale agreements?", "44cf0fe8-0947-4009-905e-8dc163b0ba88": "In the context of securities lending agreements, how does the Corporation recognize assets and liabilities?", "d263f821-4b75-44df-ab7e-d13335fefa02": "What methods are mentioned for estimating fair value when market prices are unavailable?", "5b97a586-12fd-4d98-8e9a-b2c05d24b6e6": "What types of derivatives does the Corporation utilize for risk management activities?", "0dd305bd-1409-4c77-92ea-2acd79ca3398": "How are derivatives recorded on the Consolidated Balance Sheet according to the document?", "b3b90d99-655e-46ef-bd8b-30c91cdab2fb": "What is the primary method used by the Corporation to manage interest rate and foreign currency exchange rate sensitivity?", "35a7c25d-d2be-4b38-9c12-afb859f60ed8": "How does the Corporation determine the fair value of non-exchange traded derivatives?", "c1c2c3f2-3f2d-4d85-8c95-c2b23319f196": "What are the accounting implications when a derivative used in a fair value hedge is terminated?", "e7f5a4de-1503-4eaa-bea7-54f9945b4d3a": "In what circumstances does the Corporation discontinue hedge accounting for a derivative?", "bd814131-d808-48f9-ba6d-680cd6ab01fd": "How are changes in the fair value of derivatives used for mortgage servicing rights recorded in the financial statements?", "1374b695-cf52-4636-864a-731d9e1bfafc": "What role does regression analysis play in the Corporation's hedge accounting process?", "7dfd0980-bfc3-47e0-9b58-6937005096e7": "How are trading derivatives treated differently from derivatives used for other risk management activities in the financial statements?", "5ea47ff5-305b-47c3-a0a9-ece0d70eda39": "What factors are considered in the valuation of derivative assets and liabilities, particularly regarding counterparty credit risk?", "94301bce-facb-432f-a4af-799c19cc342c": "What triggers the Corporation to discontinue hedge accounting for a derivative?", "09d2080d-1448-453e-9004-eec3080c16c0": "How are changes in the fair value of derivatives designated as fair value hedges recorded in the Corporation's financial statements?", "405f1579-f90c-4a82-b330-fb601605c57c": "What is the primary purpose of cash flow hedges used by the Corporation?", "9df79871-d577-4b6c-bf1d-28c86b6931f1": "How are changes in the fair value of derivatives used in cash flow hedges reflected in the income statement?", "90171362-8dff-4b74-a826-039f31f3b0ac": "What is the role of net investment hedges in managing foreign exchange rate sensitivity for the Corporation?", "5faf1c0b-d97e-44bf-af6b-fcc536d63c9f": "How are debt securities classified on the Consolidated Balance Sheet based on their acquisition purpose?", "d2f8accd-5163-403a-b519-e7a121ad5765": "What distinguishes debt securities carried at fair value from held-to-maturity (HTM) debt securities?", "17ca03fe-7c54-4af8-8303-46b6593175ee": "How are unrealized gains and losses from available-for-sale (AFS) securities reported in the Corporation's financial statements?", "483b96e6-c800-4105-a692-03e6c712d1f9": "What happens to the carrying value of a hedged asset or liability if a derivative instrument in a fair value hedge is terminated?", "f3366a86-506c-4627-b496-ae5031adcfb9": "What is the accounting treatment for debt securities purchased for trading activities within the Corporation?", "e387e324-62eb-41e9-bb66-5a22ee2ca41e": "How does the Corporation classify debt securities that are disposed of after acquisition?", "12b3955a-05c7-40ab-a1c2-5457f97e02e7": "What criteria does the Corporation use to evaluate AFS securities that have declined in value?", "b2f16427-e185-4028-a09b-73eb3dadbe59": "What is the zero credit loss assumption applied to certain AFS debt securities?", "9f29d0c3-7e57-4a25-8983-053851b61d4a": "How does the Corporation determine if a portion of the unrealized loss in AFS debt securities is due to expected credit losses (ECL)?", "7199bfa3-8ded-4284-8372-e1153727ec80": "What methods does the Corporation use to estimate cash flows expected to be collected from debt securities?", "c9d0fe1a-1607-47df-b194-4e7ed01c7501": "How are realized gains and losses from the sale of debt securities determined according to the document?", "68946dca-efeb-4938-ba77-51587b6482c8": "What is the treatment of equity securities with readily determinable fair values that are not held for trading purposes?", "d266528f-005d-410e-91dc-54794b941861": "How does the Corporation account for loans and leases that are not under the fair value option?", "829256bb-c878-4cc9-8133-eea812312117": "What are the three portfolio segments defined by the Corporation for reporting purposes?", "81aaaf9f-3e66-4768-92ae-1483bdeab9f7": "How does the Corporation categorize classes within the Consumer Real Estate portfolio segment?", "90610c71-3448-4a0f-97f8-ea94871030a9": "What are the three portfolio segments categorized by the Corporation for reporting purposes?", "0a31cb64-8877-445b-9cfe-39a6d942698e": "How is the allowance for credit losses reported on the Consolidated Balance Sheet?", "c63098bc-f0f0-41bb-9a0a-54cfd5a1f0f1": "What methods are used to recognize operating lease income according to the document?", "bdd9fd50-e10b-46fe-83a1-23799f27b7eb": "What factors are considered in estimating the expected credit loss (ECL) for loans and leases?", "6a33a227-3d9d-445b-bda2-b67b9c7d6062": "How does the Corporation determine the ECL for open-ended products like lines of credit?", "27a4c0ca-ceea-495a-80a4-1da331e42b45": "What is the definition of a portfolio segment as described in the document?", "490a9bec-3cb9-4895-88e0-d11202d2a421": "Which classes are included within the Consumer Real Estate portfolio segment?", "43921f73-33cf-4462-823e-1c3f4079f136": "How does the Corporation incorporate forward-looking information into its loss forecasting framework?", "7febd8db-f75f-4323-aa02-bf746bd1668e": "What is the treatment of the ECL for unfunded lending commitments on the Consolidated Balance Sheet?", "86f28c21-ee26-4105-931b-dcbcd194c2a3": "What types of lease arrangements does the Corporation provide to its customers?", "39893960-1a0d-4bfe-bf0b-e658ae395400": "What factors influence the Corporation's selection of economic scenarios each quarter for estimating credit losses?", "84c39fa3-95e8-41cb-8dd6-d5898f1f52a1": "How does the Corporation account for expected recoveries of amounts previously charged off in its estimate of credit losses?", "b321c141-aa4f-475b-9aa2-5966f495e677": "What qualitative reserves does the Corporation include in its allowance for loan and lease losses, and what factors are considered in this assessment?", "d7fa1c1e-0613-4c89-8938-78525441cb6b": "How does the Corporation classify consumer loans in relation to interest receivable when they are past due?", "486e8afb-dde2-471c-8f66-10f29ac5253e": "What methodologies does the Corporation use to estimate expected credit losses (ECL) for consumer loans secured by residential real estate?", "73c723bf-5d69-4bf4-a042-88abbf4a1f09": "Which attributes are considered significant in estimating the Corporation\u2019s ECL for consumer real estate loans?", "4ca48a6c-e3cd-4d1c-a391-59c0c1901df3": "How does the Corporation determine the allowance for loans that are more than 180 days past due?", "49c92148-5d83-4e93-a9f8-8e9deb2c52b7": "What methods does the Corporation use to estimate the fair value of collateral securing loans that are more than 180 days past due?", "edc381d4-60c0-4fbd-9b24-be5ab4c4deb6": "How does the Corporation handle reserves for credit losses on loans insured by the Federal Housing Administration (FHA)?", "0f9548ef-b005-4401-b2e6-456c03ed6b96": "What assumptions does the Corporation incorporate when calculating ECL associated with unfunded lending commitments?", "f0a5029a-bf8a-4e0d-b31b-8f056900d988": "How does the Corporation determine the fair value of collateral for loans that are more than 180 days past due?", "e05e3352-c971-4680-b967-6075b4a19010": "What methods does the Corporation use if an Automated Valuation Model (AVM) value is not available for estimating property value?", "46cbc658-67dd-49f0-b9f6-9e22af73147c": "What happens to the outstanding balance of loans that exceed the estimated property value after a charge-off?", "0ab22f4e-eb0d-4004-a80e-b4ad8d29fa03": "How does the Corporation estimate the expected credit loss (ECL) for credit card receivables?", "49fca338-ee9c-4ef9-8985-02f29b53e95d": "What borrower-specific factors are considered in the credit card receivable loss forecasting model?", "3fc0ed09-d921-4cba-bc94-11177dd4ff86": "How is the ECL for the consumer vehicle lending portfolio determined?", "be43f630-48a8-4ada-bf0e-9d5b1acca922": "What key characteristics are taken into account when estimating ECL for commercial loans?", "7f8716fd-ab48-4c98-bbbe-494d5da6262a": "How does the Corporation prioritize future payments on credit card balances according to the Credit Card Accountability Responsibility and Disclosure Act of 2009?", "9a763335-26b1-420d-86a9-469d0d798908": "What role does the unemployment rate outlook play in the credit card receivable loss forecasting model?", "4985c03a-75ca-4999-bf87-760f5c225420": "How does the Corporation handle changes in funded balances for open-ended commitments like revolving lines of credit?", "6abb279f-e23d-4c48-ac9a-cbb5fbd4b947": "What key attributes are considered in the loss forecasting models for loans collateralized with commercial real estate?", "6e625691-6836-4de5-a5b1-8370a052fe4e": "How does the economic outlook influence the expected credit loss (ECL) estimates for commercial loans and leases?", "008c48f7-f03b-44af-af90-6dbed03533a7": "What criteria determine when a loan is classified as nonperforming according to the document?", "68891adf-8f63-4c4e-846f-9aa139f1b034": "How are reserves for unfunded lending commitments estimated in relation to funded exposures?", "742c3935-b56b-4a19-9399-780821e6a856": "What happens to a nonaccrual loan when it is deemed uncollectible?", "ab196383-9f1a-40d4-8829-44002b0a23fa": "At what point are consumer real estate-secured loans typically placed on nonaccrual status?", "b2b05915-840f-4ddb-b0f0-85069687771e": "What is the process for charging off junior-lien home equity loans when the underlying first-lien mortgage loan becomes past due?", "39fcd085-cdeb-4790-a8b8-11fee5752946": "How are charge-offs reported in relation to recoveries for nonperforming loans?", "16fe3569-e3da-4a2a-aadf-dc84abed850a": "What is the time frame for charging off credit card and unsecured consumer loans when they become past due?", "3807b2a4-1ca8-4fb4-ae42-796afbd85bbb": "Under what circumstances are consumer vehicle loans charged off to their collateral values?", "35b055b3-f387-41d5-b936-591348ab8011": "What is the time frame for charging off unsecured consumer loans after they become past due?", "5ceb050e-884c-4f35-9e05-5524c33c4a7e": "Under what circumstances are consumer vehicle loans placed on nonaccrual status?", "0da2ee5e-1a19-457c-b033-475148d28838": "How are commercial loans classified when they are past due for 90 days or more?", "b11392a1-f71d-4205-95a3-4a08f4166cf2": "What happens to interest and fees on loans that are past due until they are placed on nonaccrual status?", "7d11a3ef-ac6f-482e-9dc1-4ec374c0078a": "How are loans held-for-sale (LHFS) reported in terms of their valuation?", "050e8831-8067-4a63-9362-30fbc7beea23": "What method is used for recognizing depreciation and amortization of premises and equipment?", "72118c3b-c7b3-45ec-a9da-b505adc97397": "What is the maximum estimated useful life for buildings as stated in the document?", "521d57d6-6f5d-4d94-bc1e-171da420a498": "How are loan origination costs for LHFS treated when the loans are sold?", "e8647ee0-7388-4e63-bf95-68347a7f6c7e": "What happens to accrued interest receivable when loans and leases are placed on nonaccrual status?", "c9c00f8f-15ad-4755-8996-25f464b0ae68": "In what scenario are business card loans charged off, according to the document?", "0f599782-0b48-41b1-9aaf-0a1b00fdee8c": "What methods does the Corporation use to evaluate expected credit losses (ECL) for financial assets on the Consolidated Balance Sheet?", "d41d6e90-ec23-415b-8a71-b4cdf6bfcd95": "How are right-of-use assets and lease liabilities recorded under the Corporation's lessee arrangements?", "69c65048-0d6d-4a75-895f-9a6202b6ba24": "What criteria does the Corporation use to determine whether goodwill is impaired?", "96bdb249-abe9-4907-86ae-d463621c66fb": "How does the Corporation assess the fair value of its reporting units for goodwill impairment testing?", "f2168285-525d-4b04-842a-ba2f11e7bf5f": "What is the accounting treatment for leases with an initial term of less than 12 months according to the Corporation's policy?", "4e99ae16-aa18-42a8-8203-6063518527df": "What factors are considered in the qualitative assessment for goodwill impairment testing?", "76e8e93c-4e2d-48bb-b82c-e5a171fa517e": "How does the Corporation recognize lease expense for operating leases on its Consolidated Statement of Income?", "1c788175-15cb-480f-b6d0-29f49779366a": "What happens if the carrying value of a reporting unit exceeds its fair value during the quantitative assessment for goodwill impairment?", "26acc306-7415-4ed3-bf1c-9dc4e8eb22dc": "How does the Corporation treat intangible assets that are deemed to have indefinite useful lives?", "25e36029-c203-41f8-8fd7-7e495e3fb6c9": "What is the significance of allocated equity in the context of goodwill impairment testing for the Corporation?", "c7796b82-b435-42cf-be2d-3e4e47d627bb": "What is the condition under which a goodwill impairment loss is recognized for a reporting unit?", "deb60c51-ebc1-49ed-b739-5b7d74ca2d82": "How is the new basis in goodwill established after recognizing an impairment loss?", "61c451be-957e-4832-a263-70f37c56f6ce": "What criteria must be met for an intangible asset to be considered not recoverable?", "412e1ad0-8932-4294-85cf-dc3e3a84e799": "What distinguishes intangible assets with indefinite useful lives from those subject to amortization?", "6f286fa4-6a85-4c80-8bdf-90989b7d2d5b": "Define a Variable Interest Entity (VIE) according to the document.", "e08121dc-f3e8-40e2-8089-1ec0a1225f4f": "What are the two main conditions under which a corporation consolidates a VIE?", "de9611ea-f7c8-4795-b34a-03cb11d0182c": "In what context does the Corporation primarily use Variable Interest Entities?", "ad42164b-cf7f-451d-a31e-1837fb055c00": "What role does the Corporation play when it serves whole loans held in a securitization trust?", "b2e3d88d-fd0b-49e1-98bb-44a57016b849": "Under what circumstances does the Corporation consolidate a residential mortgage agency trust?", "ff9e484a-4281-4bea-9f06-54bd0c30a9d2": "What factors influence the consolidation status of VIEs according to the Corporation's reassessments?", "1623215b-0c69-482e-ace1-690919bcf593": "What is the Corporation's approach to consolidating a municipal bond or resecuritization trust when third-party investors are involved in its design?", "f539adcd-7988-46cd-88d3-fe464f7e66b3": "Under what circumstances does the Corporation consolidate a collateralized debt obligation (CDO)?", "ad052c12-64d9-4492-adcd-ba8e63ad4e04": "How does the Corporation determine whether to consolidate an investment vehicle?", "badb0aca-d875-43be-9415-03990f332954": "What factors influence the Corporation's measurement of fair values for its assets and liabilities?", "2626bbde-40ac-4b76-8b5a-f830817cb607": "Describe the three levels of fair value measurements as categorized by the Corporation.", "b8235c71-2dc8-4b3c-9a15-0e39d9b591d0": "What types of assets and liabilities fall under Level 1 of the fair value measurement hierarchy?", "6e297102-ebc6-42fd-8941-d4e1376a2d3f": "What distinguishes Level 2 assets and liabilities from Level 1 in the Corporation's fair value categorization?", "f52674bb-1cc5-43e4-9f63-a52a60a7b7f8": "How does the Corporation estimate fair values for retained residual interests in securitized assets?", "f6b2ba08-db3a-44dc-bcd2-116e73b625e4": "What methods does the Corporation use to determine the fair value of Level 3 assets and liabilities?", "75b5c28b-25a8-4465-b9cc-ae91c919c181": "What role do observable inputs play in the Corporation's fair value measurement process?", "a57f2be1-eea9-453d-8518-7a69080bfe20": "What types of securities are included in the Level 3 category mentioned in the document?", "1868a59c-6df5-4da1-8de0-0bea1f0e32c5": "How are Level 3 assets and liabilities valued according to the document?", "c3917ed3-ea3e-4c9e-be3f-1de8498d4eff": "What are the two components of income tax expense described in the document?", "f30b74dd-87dd-464d-9291-a39a6c95916d": "How does the Corporation recognize and measure income tax benefits?", "acf66ac0-74fb-440f-98bd-31aa7de399b7": "What types of fees are included in the card income as per the document?", "cf64670d-d6ef-4c0b-97a1-f059853cb918": "What is the significance of valuation allowances in relation to deferred tax assets?", "f986b1ec-f184-42ff-b578-455e7ecc7817": "What methodologies are used to determine the fair value of Level 3 financial instruments?", "2829043a-40d8-44e2-9de9-1aad25e869d4": "What is the difference between current and deferred income tax expense?", "413b5a05-de4e-4d2c-a651-1cf998f82d83": "How is an unrecognized tax benefit defined in the context of the document?", "b75a890a-9559-4ad1-a62f-dd8ecf83a022": "What activities contribute to the Corporation's noninterest income related to card transactions?", "6bb0de07-d286-45ca-9890-e7953a44c48e": "How are interchange fees determined for credit and debit card transactions according to the document?", "34a3e1db-a467-47d1-86ed-86d96399888e": "What types of rewards can cardholders redeem, and how is the liability for these rewards managed?", "f8e08272-e99e-4a7d-83e7-fbc03ee79046": "What are the primary components of service charges mentioned in the document?", "2b8ed170-9e41-406c-ad9b-84165f2d7c71": "How are asset management fees calculated based on the client's assets under management (AUM)?", "4e93a1f4-bcc9-4c91-a240-7e63efcd5493": "What distinguishes brokerage fees from asset management fees in the context of investment and brokerage services?", "3e4ba5d6-c2ed-49cf-8d82-95418998b1bb": "What types of income are included under investment banking income as described in the document?", "509cc1ca-7e3a-47f8-9dcc-12f43b014edb": "How does the Corporation recognize revenue from underwriting services related to debt or equity securities?", "1b4df0aa-0dce-4161-b7c8-b12e29a4695a": "What role do credit card partners play in the revenue-sharing agreements mentioned in the document?", "d8788b38-32f9-4853-9ada-5944a20c854f": "What types of fees are associated with commercial deposit-related services in the Corporation\u2019s Global Transaction Services business?", "f869ba49-4ec0-417f-90b6-a322426d9212": "How are fees for financial advisory services related to mergers and acquisitions structured according to the document?", "30e58d1c-4839-464b-9eb3-2b02f444b5f6": "What components are included in the investment banking income as described in the document?", "7d66f103-6511-4030-89b4-d216e6f14e4b": "How is underwriting income recognized according to the document?", "fb9cb235-74ba-40df-b10d-8b39236e8f86": "What types of expenses does the Corporation incur while providing investment banking services?", "58115e87-c524-4012-baaa-c9493a76ab59": "When is revenue from financial advisory services typically recognized?", "6b68d9a6-4919-459b-afd4-fea9d4a0fcba": "What factors influence the revenue earned from financial advisory services related to mergers and acquisitions?", "e11c6283-ff32-4a9e-8a19-5724317e0ccf": "Why did the Corporation not disclose the value of any open performance obligations at December 31, 2023?", "eca661e3-8458-4976-b07a-59f683d41cca": "How is earnings per common share (EPS) calculated based on the information provided?", "51fb096d-76f9-4e39-b8bb-9404186c37d3": "What adjustments are made to net income when calculating EPS for common shareholders?", "abda2533-b32d-4fd5-9e5b-ce56df321e0c": "What is the difference between basic EPS and diluted EPS as outlined in the document?", "5e9f3886-7acd-442d-8097-0b0502bc1eb0": "What are syndication fees and how are they earned according to the document?", "c7b406c7-e807-4f0b-8d9d-b4efb5082c03": "What is the primary purpose of foreign currency translation as described in the document?", "723f75a1-9ed4-49bf-a45f-09a2c6425932": "How are assets and liabilities of foreign branches recorded when their functional currency is the local currency?", "48ac44de-5746-4ff1-832d-dce7dade94d2": "What rates are used for translating assets and liabilities for consolidation purposes?", "427a4c94-b9cb-4fe2-b003-4593ec358c5d": "Where are the unrealized gains and losses from foreign currency translation reported?", "0ec97ff1-8a1f-49d8-a2b0-02d0ad05e70d": "What happens to remeasurement gains or losses when a foreign entity's functional currency is the U.S. dollar?", "c3e827dc-21ce-409b-9992-3f62bdee48b7": "What financial information is presented in the table regarding net interest income and noninterest income?", "1722091d-1481-4943-8366-633d2c8d7a63": "For which years is the Corporation's net interest income and noninterest income disaggregated in the document?", "0402933e-72be-401f-8d58-ad855589ccfb": "Where can one find more information about the summary of significant accounting principles related to net interest income?", "e8c36c44-9beb-4023-bd6b-1d7d631ea665": "What additional details can be found in Note 23 regarding noninterest income?", "2733f9fa-b1f0-4fd3-ab7c-38a28dcd8c18": "How are results of operations typically translated when the functional currency is the local currency?", "53626492-ceb0-4f5e-a943-d17aaa532895": "What accounting principle is used for reporting foreign currency assets and liabilities at period-end rates according to the document?", "adadd4e8-d15b-4054-8e1e-7f5b5c974d85": "How is net interest income for the Corporation in 2023 compared to 2022 and 2021?", "657e90c7-a369-4e51-8723-55a5fe42d03e": "What are the components of noninterest income as presented in the document?", "eee4d4d4-e09c-4c7c-8466-e3e0ff5e3630": "What was the total interest income for the Corporation in 2023?", "1ebcbb09-c7d2-4984-966f-ec7beb3e590f": "How does the document describe the treatment of unrealized gains and losses for foreign entities with a functional currency in U.S. dollars?", "bc2ce8fc-38c5-40b6-8a69-64b2aa7f8565": "What were the total fees and commissions reported for the Corporation in 2023?", "234dbb06-2a6c-4eaa-baf5-c40eb245d958": "Which category of noninterest income saw a decrease from 2022 to 2023 according to the document?", "31181786-de8a-4fdf-a844-bd25902bb6e3": "What is the total interest expense for the Corporation in 2023, and how does it compare to previous years?", "17f13f7e-d058-4a04-8bae-3f6566ed4340": "What specific types of income are included under investment banking fees in the document?", "4c3ff133-9499-4cde-a841-e9023c82b268": "How did the card income from interchange fees change from 2022 to 2023?", "eff7ed6f-fa45-4d91-9074-6ecd6c48f25a": "What were the gross interchange fees for Bank of America in 2023?", "5d7e4c8b-601e-442e-8ee9-4f8209203a04": "How much did merchant income increase from 2021 to 2022?", "0e30e3de-3298-450a-82c2-9c61752a09d5": "What expenses are deducted from the gross interchange fees and merchant income figures?", "d27057b9-6400-4f67-8481-118b374cd2c3": "What was the total amount of expenses for rewards and partner payments in 2022?", "eb5edf28-4d9f-4cb6-8879-3bb2ffad2782": "How do the gross interchange fees for 2022 compare to those in 2021?", "486d7f50-6c5c-4990-84fb-2228d8f2721d": "What is the trend in gross interchange fees from 2021 to 2023?", "28979d10-6a9c-49f5-b6b9-de6336c6b3fb": "What was the net gross interchange fee amount for 2023 after deducting expenses?", "8772977c-8f4d-45d7-bb12-f2bcef79a8b2": "How much did the expenses for certain card costs amount to in 2023?", "fd48b77a-d578-47c5-a93e-ffc0b4c16fd7": "What was the gross interchange fee for Bank of America in 2021?", "108c616d-15d0-43b4-8428-c8de6af5019d": "What is the significance of the figures presented in the document regarding Bank of America's financial performance?", "ee17f138-3380-4943-9c4c-cc8e891a45ed": "What are derivatives used for according to the document?", "e94c234c-c226-4234-9931-9aca9a0cf1eb": "How are derivatives categorized in the context of risk management activities?", "58905054-27b6-4777-8908-c37666d73e10": "What is the significance of qualifying hedge accounting relationships in derivative transactions?", "9b65734d-7d0e-4139-a318-27585bbafff6": "As of December 31, 2023, what is the total gross derivative asset amount for interest rate contracts?", "84b5552d-678c-4cb6-938a-f99428d7cab9": "What types of contracts are included under foreign exchange derivatives in the document?", "0b38ec05-0d2a-41a1-a51f-55f8ba19f002": "How does the document differentiate between written options and purchased options in derivative transactions?", "a8e800e8-ff6b-4fa5-8f6d-b3c5f192629b": "What adjustments are made to total derivative assets and liabilities according to the document?", "c1d1e596-fc93-4d99-ac96-68235bf24d6b": "What is the notional amount for swaps under equity contracts as of December 31, 2023?", "e63cfceb-7cd3-4245-9e18-177129360294": "How are derivative balances presented in the Consolidated Balance Sheet?", "3dffef33-175a-478d-8edc-daf68b3531de": "What information can be found in Note 1 \u2013 Summary of Significant Accounting Principles regarding derivatives?", "5c4e4a27-e674-4602-a56b-5cad1d9e081b": "What is the total notional amount of purchased options listed in the document?", "6de9ed37-0ef1-4ff5-ae6d-fce127b35fdb": "How much are the written options valued at according to the provided data?", "2038a90d-08d3-47c2-b229-3885ec55533c": "What are the total derivative assets and liabilities after accounting for legally enforceable master netting agreements and cash collateral?", "7167d3a9-5ced-4051-9c1a-2fce09cd39ed": "Which type of credit derivatives has the highest notional amount in the document?", "bab709d4-974f-478f-8288-2ec8ce6e0475": "What is the value of equity contracts mentioned in the document?", "5b26c377-def6-4b65-bf8c-dbe357932940": "How much is the total return swaps/options for purchased credit derivatives?", "c41b6c8b-2031-4d64-be58-28f5302302bc": "What is the difference between the gross derivative assets and liabilities and the total derivative assets/liabilities?", "12610a1a-2a4a-428d-9942-a114174a0c9f": "How much cash collateral was received or paid according to the document?", "4c234cfc-a7c2-4f91-bf18-e370fc410733": "What is the notional amount of futures and forwards contracts listed in the commodity contracts section?", "9da25b93-f5c5-40b3-a723-3cf8c713bd98": "Are there any out-of-the-money purchased options mentioned in the document, and what is their significance?", "4398c1f9-b78c-4f58-818e-5a91e50d32d5": "What is the total derivative asset amount reported as of December 31, 2023?", "a2f5ee65-8991-4103-8ad2-0aecb106c9c0": "How much cash collateral was received or paid according to the document?", "92cd9f25-d202-4ca2-b8fc-f37bb132abe4": "What are the amounts for legally enforceable master netting agreements listed in the document?", "6dae1ca8-298d-4072-8d3a-2e75f72507dd": "What does the total contract/notional amount of derivative assets and liabilities represent?", "e0fd2076-af22-4c06-b18b-03ee1c66d7c0": "What is the net derivative asset (liability) amount for written credit derivatives held by the Corporation?", "f99496c8-141b-45a7-8db8-81e14aa62637": "How much was the notional amount of purchased credit derivatives with identical underlying referenced names at the end of 2023?", "f6ba236a-e698-4241-8681-f3ce6c1ce4ca": "What is the significance of out-of-the-money purchased options mentioned in the document?", "0c46c877-fae1-4bda-9597-2e276685b81a": "How does the document describe the treatment of option premiums for certain written options?", "d5e95ca0-4130-4f15-ba01-73a5dcf5f79a": "What are the total derivative assets/liabilities for Bank of America as stated in the document?", "e213d4ff-aae0-47a4-8a6c-1b697f9671bf": "What does the document imply about the relationship between derivative assets and liabilities?", "96b9a758-632e-4b41-92c3-702682694326": "What was the total gross derivative assets reported as of December 31, 2022?", "289853f6-39d5-4e82-8075-cf605bf2b69b": "How much were the gross derivative liabilities for interest rate contracts on December 31, 2022?", "345f35ea-59ca-4293-8773-bacfb02579cb": "What is the notional amount of purchased options in equity contracts as of December 31, 2022?", "4bb94342-15b0-4c35-8e89-3a528afd2cc0": "What are the total gross derivative assets and liabilities after accounting for legally enforceable master netting agreements and cash collateral?", "c548a985-9744-49e9-9a4d-9fbb8c81b5b4": "How much did the corporation report for written credit derivatives on December 31, 2022?", "c103cc81-fe2d-4df4-b7ce-33287faa4e1b": "What is the total amount of foreign exchange contracts in the gross derivative assets section?", "b0d3742c-4fcf-460a-93cb-7f837b703cbb": "How much cash collateral was received and paid as reported in the document?", "98954cbd-4fad-45f5-821b-43350317fcce": "What is the notional amount of total return swaps/options for purchased credit derivatives?", "d30dc1d8-ed21-4077-84e4-dde954b2b492": "What is the difference between the total gross derivative assets and total gross derivative liabilities as of December 31, 2022?", "2a07d9db-c1cb-425b-bd79-d1a8214a91bd": "What does the document indicate about the treatment of out-of-the-money purchased and written options?", "61abadbb-b106-4a95-a4c6-9c38044fe0a1": "What types of options are included in the Corporation's derivative assets and liabilities as of December 31, 2022?", "5559aa18-fb7b-4b04-87f8-64be7832bed8": "What is the net derivative asset (liability) amount for written credit derivatives held by the Corporation at the end of 2022?", "de4339d2-d423-4288-92aa-fde204b3c213": "How does the Corporation manage counterparty risk in its derivative transactions?", "596bf038-0d5b-4237-a8f0-9d8e70b33209": "What agreements does the Corporation enter into with its derivative counterparties to facilitate offsetting of derivatives?", "36c0f648-19e3-44f3-8667-f600c722252e": "What is the significance of legally enforceable master netting agreements in the context of the Corporation's derivatives?", "037009fa-b59e-49b9-a0f0-3bb9668985e9": "How are derivative assets and liabilities presented on the Consolidated Balance Sheet according to the document?", "74a2c9e8-8cb2-465a-97eb-80e84b453029": "What adjustments are made to total gross derivative assets and liabilities in the Corporation's financial reporting?", "1338bdf3-8885-4753-9645-b7dabab7919a": "What primary risk categories are mentioned in relation to the derivative instruments on the Consolidated Balance Sheet?", "a98e1ee7-7212-4652-8f01-4881fc7e3b8e": "What additional information can be found in Note 10 regarding securities financing agreements?", "6600e0f1-3fc4-4260-8bee-4153475a97bd": "As of December 31, 2023, how are balances for derivative instruments presented before applying counterparty and cash collateral netting?", "9b1f7e26-1374-481c-8110-a377941de19c": "What are the total gross derivative assets and liabilities for over-the-counter derivatives as of December 31, 2023?", "38afb34e-b831-4565-975f-1b1f1a289542": "How do the total net derivative assets and liabilities for December 31, 2023, compare to those for December 31, 2022?", "b06e720b-8bc9-46ad-b685-5f964aa7bc22": "What types of contracts are included under the category of interest rate contracts in the document?", "be696600-d2ab-4f55-a121-f1f4805d3ee1": "What is the amount of cash collateral received or paid for exchange-traded derivatives as of December 31, 2023?", "8ef3ebe5-4af0-4fb6-b47f-6f980020d9aa": "How much did the total gross derivative assets/liabilities change from December 31, 2022, to December 31, 2023, for over-the-counter cleared derivatives?", "d7ed47f8-2b8d-4c17-889c-cfab7bea6315": "What is the significance of legally enforceable master netting agreements in the context of derivative assets and liabilities?", "c7e84b96-96b5-4363-8d70-4594e72e7d7b": "What are the total derivative assets/liabilities after netting for December 31, 2023, and how does this compare to the previous year?", "de5a493b-0eee-46d7-9030-97653040ef8a": "Which category of derivatives had the highest gross asset/liability amount as of December 31, 2023?", "7a5c6004-1ab0-4eb6-9a02-b72d6de05acc": "What is the total amount of financial instruments collateral for December 31, 2023, and how does it compare to December 31, 2022?", "2d374da1-51b8-4874-8f35-fb347e49a98f": "What distinguishes over-the-counter cleared derivatives from over-the-counter derivatives in the document?", "ec65cd95-5e29-4a57-9562-5264b70d9e5e": "What types of derivatives are included in the Corporation's ALM and risk management activities?", "8a45113b-5e58-48f1-b64a-dbd6c7fdce75": "How does the Corporation manage interest rate risk in its mortgage banking production income?", "2c79c56d-b798-476b-b4e4-f89803e3bc1f": "What are the potential risks associated with foreign exchange contracts used by the Corporation?", "2f52b189-1b96-4b56-a535-3e412015c4c6": "What types of credit derivatives does the Corporation use to manage credit risk?", "472c166c-7974-4f12-89f5-58b5c3ef0817": "How are derivatives designated as accounting hedges categorized in the Corporation's financial strategy?", "188f7153-0538-406f-a9e5-be6ec488ddd7": "What is the Corporation's goal in managing interest rate sensitivity and volatility?", "e00b1a94-4bfe-4ca9-9921-19c29760d065": "How does the Corporation utilize forward loan sale commitments in its risk management strategy?", "bc0bb98b-0af2-4eb2-9cd3-1ffd543c8460": "What impact do interest rate fluctuations have on the fair value of hedged fixed-rate assets and liabilities?", "2ec7aa87-7618-4e21-9822-449d8653b366": "In what ways does the Corporation mitigate market risk in the mortgage business?", "623fcf6b-7ecd-4c95-83ec-b07484d8c595": "How are changes in the fair value of credit derivatives recorded on the Corporation's Consolidated Balance Sheet?", "8aff5edb-141c-4afe-91ed-e9db04f4be1d": "What types of financial instruments are mentioned in the document for managing currency and interest rate risks?", "8141df68-0c42-4505-b255-54228e3fe549": "How did the gains and losses on derivatives designated as fair value hedges change from 2021 to 2023?", "4a2e4e5e-25b2-47d0-b8e3-fdb7291d3cef": "What is the cumulative fair value adjustment for long-term debt as of December 31, 2023?", "88383604-8082-4dab-8fe7-3508342dc2ee": "In the context of fair value hedges, what amounts are recorded in the Consolidated Statement of Income?", "7293c8c6-4cdf-4180-922e-699e4a23ebee": "What was the carrying value of available-for-sale debt securities on December 31, 2022?", "c0e30891-ca72-44c1-9d8e-a22c5f164665": "How are the fair value hedging adjustments treated as long as the hedging relationship remains designated?", "348ec466-7046-4a28-9a42-129b7fc21914": "What were the total gains and losses recorded for interest rate risk on long-term debt in 2023?", "359d9113-08d1-49d6-a4c6-3546b3cf4a35": "What impact did discontinued hedging relationships have on the cumulative fair value adjustments for long-term debt and available-for-sale debt securities?", "7d727d3e-f63f-4c8c-91a2-1f23a0847ca1": "What amounts were recorded in interest income related to cross-currency interest rate swaps for the year 2023?", "c83ca3ab-8d46-4ef4-96c5-55b1aaa8ab34": "How does the document categorize the price risk on commodity inventory in relation to fair value hedges?", "cb9a4606-43d5-4d5c-a445-647dfa7abc9a": "What was the cumulative fair value adjustment on long-term debt as of December 31, 2023?", "49ecef9d-e8a6-48d5-95cc-9545926ecb6a": "How much did the cumulative adjustment associated with portfolio layer hedging relationships change from 2022 to 2023?", "8517a8b2-48c1-47c9-a217-b35ccf05fdda": "What is the expected impact on net interest income from the reclassification of losses related to cash flow hedges in the next 12 months?", "45ad00a6-24cd-4bf2-927f-16e2d5f88807": "When did Bloomberg Index Services Limited announce the cessation of the Bloomberg Short-Term Bank Yield Index (BSBY)?", "32230b47-d1df-4dc7-8bc7-2ea30392e80c": "How much pretax loss was reclassified from accumulated OCI into market making activities due to the cessation of BSBY?", "2ab64c66-6341-499a-95ec-92c302212021": "What is the maximum length of time over which forecasted transactions are hedged for open cash flow hedges?", "abfbb408-2b51-483a-b2e8-136b9a162305": "What was the amortized cost of the closed portfolios used in hedging relationships as of December 31, 2023?", "8eef68f7-444e-4a28-a333-669fa6a5716b": "How much of the after-tax net loss on derivatives in accumulated OCI at December 31, 2023 is related to terminated cash flow hedges?", "5a1b23b9-441c-4288-abfd-f548cde79dc9": "What is the significance of the amounts being amortized over the remaining contractual life of the de-designated hedged items?", "71ba02c2-77e0-4214-ac9a-098f3ddd4148": "How did the cumulative fair value adjustments on available-for-sale debt securities change from 2022 to 2023?", "05b4c77f-30b4-4816-89cb-8c7b931ddf97": "What types of risks are managed through cash flow hedges as described in the document?", "c1e985db-18dc-4f12-8fed-e952d25c55d8": "How much did the Corporation recognize in gains from interest rate risk on variable-rate portfolios in 2023?", "f6caa240-d700-415c-ba48-6a81c9bed663": "What are the amounts reclassified from accumulated OCI recorded in the Consolidated Statement of Income for net investment hedges?", "dd00d836-130d-43c0-9239-499b1d39417f": "What was the total gain or loss recognized in 2023 for price risk on certain compensation plans?", "77ac032f-95a4-4a6a-865c-a7700a33b84c": "How does the Corporation account for gains and losses on other risk management derivatives?", "fd115070-caf3-402c-90bb-7d0e49a75e85": "What was the amount of foreign exchange risk recognized in net investment hedges for 2022?", "a2ba5c16-cd36-4c59-b37a-e0e9284a33a8": "How much economic exposure did the Corporation retain through derivatives for transferred financial assets as of December 31, 2023?", "d024f5a6-91e6-4cfa-af69-bcef6d35ce3e": "What were the gains (losses) on interest rate risk related to mortgage activities in 2022?", "2260a051-1da8-494a-8d2b-35d245dd4d46": "In what financial statement category are amounts reclassified from accumulated OCI recorded for cash flow hedges?", "c2e898bc-d35d-4f0a-a180-10e66d82ba72": "What was the total amount of non-U.S. government-guaranteed mortgage-backed securities transferred to a third-party trust at the end of 2022?", "3626fb21-dfc2-4357-8f93-0fb4905d8fd2": "What types of financial assets did the Corporation transfer to a third-party trust as mentioned in the document?", "28bd653b-3541-4396-86bb-df82bee8ea63": "How does the Corporation retain economic exposure to transferred financial assets?", "514363b8-ca3f-446c-94aa-12f41916ef98": "What was the gross cash proceeds received by the Corporation at the transfer dates for the years 2023 and 2022?", "90053837-cf0f-4b25-affb-cfa2a9f82611": "In which income statement line items is the sales and trading revenue generated within Global Markets recorded?", "2f3a9c5a-1624-4841-bb40-b30f2024ab5b": "What is the primary source of revenue for the Corporation's trading derivatives?", "28499c53-b92d-4034-b0ac-20a5199bc7c9": "How are commissions related to equity securities recorded in the Corporation's sales and trading revenue?", "e6430188-304f-40e7-a1dc-d3d53fe910ac": "What adjustments are included in the sales and trading revenue for derivatives, according to the document?", "5ccaedd3-3bd0-45cd-8473-042cd484be29": "What was the fair value of the transferred securities at December 31, 2023, and 2022?", "83791873-9b21-496d-a16e-d15de06bbacb": "How does the Corporation manage the risk from trading derivatives?", "e11803ae-9272-426e-a48d-b68320408b50": "What distinguishes the initial revenue related to broker-dealer services for debt securities from that of equity securities?", "7e72a0ae-3350-49eb-beda-2f13cb6aa087": "What was the total sales and trading revenue for the year 2023 as reported in the document?", "9eab8482-151d-4013-9438-878c4a221453": "How does the sales and trading revenue for interest rate risk in 2022 compare to that in 2023?", "91d13ace-af46-4a91-89fc-c110e3bc7f8e": "What are the main components included in the total sales and trading revenue for the year 2023?", "bf0b1f32-a663-4680-a62c-878f4dae0320": "What credit events are defined for credit derivatives in the document?", "ca6fda5d-a681-4442-ade3-6868d57c534f": "How much revenue was generated from foreign exchange risk in 2023?", "14a49c22-674c-4739-ae96-f6c6ee41dc26": "What classification does the Corporation use to differentiate between investment grade and non-investment grade credit derivatives?", "08b057af-2775-44ab-893c-dbf021ea4ec9": "What was the total sales and trading revenue for the year 2021?", "d7af5707-b787-4568-8bc8-39fb21077c56": "How does the credit risk revenue in 2023 compare to that in 2022?", "b34ab1e1-ddf1-4c48-8323-056c377f04be": "What is the significance of the ratings of BBB- or higher in the context of credit derivatives?", "2a9dd571-c812-4312-9a2a-47f3e868a012": "How much investment and brokerage services revenue was recorded in 2023?", "9fee7450-e553-4183-94df-2d25127f27fc": "What is the total carrying value of credit derivatives as of December 31, 2023?", "6a1d8c69-91dd-4828-9cb6-f7884b3da898": "How much is the maximum payout/notional for non-investment grade credit default swaps with a maturity of over five years?", "79b0bea6-b151-42f1-a587-ef4edabd9f56": "What is the carrying value of investment grade total return swaps/options with a maturity of less than one year as of December 31, 2023?", "58d03bf3-081f-4f36-b62c-429010dc8c1a": "What is the total carrying value of credit-related notes for non-investment grade instruments as of December 31, 2023?", "0aaf34b2-b65b-4ac9-99a2-a5179488109f": "How does the maximum payout/notional for investment grade credit default swaps compare between the one to three years and three to five years maturity categories?", "7d2c85e9-b65f-4392-bf8a-29e1bf5f6080": "What was the total carrying value of credit derivatives reported for December 31, 2022?", "b73ea097-be65-4d83-9284-0b4be715ca07": "What is the total maximum payout/notional for non-investment grade total return swaps/options with a maturity of one to three years?", "d14f848b-6fd8-46fc-995a-0c2009c65529": "What is the carrying value of investment grade credit default swaps with a maturity of three to five years as of December 31, 2023?", "d43655e8-4d32-4b7e-a948-7cfc95859a40": "How much did the carrying value of non-investment grade credit default swaps change from December 31, 2022, to December 31, 2023?", "abb92ccf-3c8d-4c7a-9758-bad31a6b0bc6": "What is the total maximum payout/notional for all credit derivatives with a maturity of less than one year as of December 31, 2023?", "63ea52ec-9084-4556-94b9-838499d32d77": "What is the total carrying value of credit default swaps for non-investment grade securities as of December 31, 2022?", "650135cd-20b2-4de6-9d12-aa1393a64fcc": "How does the Corporation assess its exposure to credit derivatives beyond the notional amount?", "4b879218-df6b-4d25-8508-5027edf41261": "What is the maximum payout/notional amount for investment grade total return swaps/options?", "0e2e2089-e962-4ab7-bf36-664ffa89f95a": "What types of securities are included in the credit-related notes mentioned in the document?", "0e75a300-907a-4e5f-ab01-bf9982b3b3d0": "What are the implications of a credit rating downgrade on the Corporation's derivative contracts?", "74e740c6-6f42-4b4f-9152-bd21ae36792b": "How much is the total maximum payout/notional amount for non-investment grade credit default swaps?", "d86db5d4-37b5-4271-9854-03ce7d2c3ed4": "What risk management framework does the Corporation use to monitor its credit risk exposure?", "0953dca9-52d5-44a4-b45e-4c35f2523fab": "What is the carrying value of investment grade credit-related notes as stated in the document?", "6d51ea70-69c9-4086-be17-c8c347d08067": "Which entities does the Corporation primarily execute its derivative contracts with?", "7a8db13d-b05d-406b-9677-619263361ec4": "What is the significance of the daily margin basis in the context of the Corporation's derivative transactions?", "04daecd9-af4f-4148-8d8f-e5285cf6cc03": "What measures does the Corporation take to mitigate credit risk in its derivative contracts?", "6b223a72-2601-495e-8603-298c5e30139d": "How much cash and securities collateral did the Corporation hold at December 31, 2023, under derivative agreements?", "7b7870f4-df6d-4f00-a73d-6b0df928324f": "What are the potential consequences for the Corporation if its senior debt ratings are downgraded?", "5c2b8e08-2649-4ef9-bdc7-2ee8dc801742": "What is the significance of ISDA master netting agreements in the context of the Corporation's derivative transactions?", "5c5970e0-c007-44e5-b78e-52b1f1dc4bfb": "How does the Corporation determine the amount of additional collateral required to be posted to counterparties?", "91672a47-0b74-4314-9909-a23baaac9c38": "What were the amounts of additional collateral required upon a one incremental notch downgrade for Bank of America Corporation at December 31, 2023?", "2c38711d-5a6d-4473-b219-a3043498f36c": "How does the Corporation calculate credit risk valuation adjustments on its derivatives?", "6604d33e-a41e-40e0-af62-4994bd3b1efe": "What role do credit support documentation and contingent features play in enhancing the creditworthiness of the Corporation's derivative instruments?", "20a08ea5-f0e4-4f89-9fa1-9508ef24546b": "What was the liability recorded for derivative contracts at December 31, 2023, according to the document?", "2c840516-447d-4e98-8c62-982dda5df3ef": "How does the Corporation estimate default probabilities and severities for counterparties with no observable credit default data?", "6084dcda-2d55-4e36-8550-3c67f0d9e0fc": "What are the primary valuation adjustments recorded by the Corporation on derivatives to reflect credit quality?", "c6967cc3-2198-411e-a8cb-15f77f562054": "How does the Corporation estimate default probabilities and severities for counterparties without observable credit default data?", "e275785a-815c-42be-84ba-498d504b759b": "What impact do CVA gains have on the derivative assets balance according to the document?", "db0b20d0-ef8d-417e-98a3-24ae424e3ad7": "In the context of the document, what is the significance of enforceable master netting agreements and collateral in calculating exposure?", "65fddad9-e240-4fbf-907d-760ad02bea89": "How did the cumulative CVA affect the derivative assets balance at the end of 2023 compared to 2022 and 2021?", "dd4ed7e0-e4d6-4cf0-b216-3008c51da671": "What were the valuation adjustments gains (losses) on derivatives for the year 2022 as presented in the document?", "94709740-c7dd-4b34-8138-ae960693507e": "How does DVA gain influence the derivative liabilities balance according to the provided information?", "e97058fe-5a3c-4720-b31c-93f5b333ee90": "What is the cumulative FVA's effect on the net derivative balance for the year 2021?", "dc0b2785-83e0-4812-856b-7b9038b38e40": "What data is used by the Corporation to calculate credit risk valuation adjustments on derivatives?", "b7eaaff9-6eba-4fe1-9c3e-5b700c4a1518": "How do FVA losses impact the derivative liabilities balance as described in the document?", "6c8502e8-7deb-4110-be7f-36058a801519": "What is the total fair value of available-for-sale debt securities as of December 31, 2023?", "a3bbdfe7-ab55-483f-a8e0-5d76f01db9c4": "How much did the gross unrealized losses for U.S. Treasury and government agencies amount to in 2022?", "8a37711d-4d7c-477c-a45f-f3fa96f77b50": "What is the amortized cost of agency mortgage-backed securities held-to-maturity as of December 31, 2023?", "ecb1e97b-de49-40fa-8e05-763596c1b793": "What are the gross unrealized gains for non-U.S. securities as of December 31, 2023?", "046a6faf-ebf3-44ec-9c82-e57251e11fa7": "How do the total gross unrealized losses for available-for-sale debt securities compare between December 31, 2023, and December 31, 2022?", "eca4440f-8561-4be0-bc57-ad503ad2ac6a": "What is the fair value of other taxable securities as of December 31, 2022?", "8c989f25-d5a7-4924-868d-bd2fd6aba34c": "What is the total amortized cost of debt securities carried at fair value as of December 31, 2023?", "feb6429e-12b3-40f4-ae59-337ee2f89dfd": "How much did the gross unrealized gains for agency-collateralized mortgage obligations change from 2022 to 2023?", "9e3da4cb-24de-4d8d-a854-a887ec77860a": "What is the total amount of held-to-maturity debt securities as of December 31, 2023?", "80073787-f97d-4820-ac4e-127ee6180b8c": "What is the difference in fair value for commercial mortgage-backed securities between December 31, 2023, and December 31, 2022?", "51598acf-a718-4458-90c1-d565e74280ef": "What was the total amount of held-to-maturity debt securities reported at December 31, 2023?", "4ec2b051-4fa1-462a-8c3a-3074438c02c3": "How much of the total debt securities held by the Corporation had a zero credit loss assumption at December 31, 2023?", "262365c0-57b5-4a0f-b572-c83beab7f149": "What percentage of the underlying collateral type was classified as prime and subprime as of December 31, 2023?", "0eb5bbb2-26d3-4ad9-9482-7a0d0d6d69af": "What was the accumulated net unrealized loss on AFS debt securities at December 31, 2023, net of the related income tax benefit?", "2f91fc2d-d4d4-4251-a55a-8e5546905aa7": "Which two entities did the Corporation hold debt securities from that exceeded 10 percent of shareholders\u2019 equity, and what were their amortized costs at December 31, 2023?", "aba695c9-39e8-45a0-9eda-2b0cd224e629": "What was the fair value of equity securities held by the Corporation at December 31, 2023?", "ea2b2867-3912-46de-bb06-df89dcb8ddaa": "How much were the gross realized gains and losses on sales of AFS debt securities for the years 2023, 2022, and 2021?", "7221e276-0531-48b0-b030-947eae4ce9ee": "What was the fair value of money market investments held by the Corporation at December 31, 2023?", "d07a71d9-968f-4cdd-96aa-89a8fd10016d": "What amount of AFS and HTM debt securities were predominantly U.S. agency and U.S. Treasury securities at December 31, 2022?", "ac28ac8b-2629-4b69-bdb2-04d9a60331ac": "What were the amounts of securities pledged as collateral at December 31, 2023, and 2022?", "ce70c5c5-b273-4a72-ba35-2bfeaf65b79b": "What was the aggregate fair value of equity securities held by the Corporation at December 31, 2023?", "3d1a18a9-a780-4c6c-b093-151a07e3f3c4": "How did the carrying value of other equity securities change from December 31, 2022, to December 31, 2023?", "5db87189-6ac9-45c5-8172-1f5927ac11e8": "What was the fair value of money market investments held by the Corporation at December 31, 2022?", "ac049ee3-76fb-4c1a-812e-8c1846f88b3d": "What were the gross realized gains on sales of AFS debt securities for the year 2022?", "992f0b18-2e3c-4543-838c-b33687b1374d": "Calculate the net gains (losses) on sales of AFS debt securities for the year 2023.", "4b7d18d3-86d2-4685-afed-5e619532b719": "What was the income tax expense attributable to realized net gains (losses) on sales of AFS debt securities in 2021?", "5008f3d0-8104-4c48-88ba-c1afcf4b21d1": "How did the gross losses on sales of AFS debt securities in 2023 compare to those in 2022?", "4cb4231f-8e3c-4905-8866-47551e615124": "What is the significance of the zero credit loss assumption mentioned in the document?", "2ecf2ad1-eefa-49ce-92f3-f193d352291d": "What were the gross gains on sales of AFS debt securities for the year 2021?", "e0c57e0b-bc80-44f4-b6b1-2dc492c69915": "How much did the Corporation's money market investments increase in fair value from December 31, 2022, to December 31, 2023?", "7c5de2de-c993-4397-b4ff-418a4c0cd8d2": "What is the total fair value of AFS debt securities in a continuous unrealized loss position as of December 31, 2023?", "058c16b9-96b4-4693-bbef-ad164651478a": "How much gross unrealized loss is associated with mortgage-backed securities that have been in a continuous unrealized loss position for less than twelve months as of December 31, 2023?", "b739e5df-fa0e-4abb-aba8-fb0849cf8c7a": "What is the fair value of U.S. Treasury and government agency securities in a continuous unrealized loss position as of December 31, 2022?", "341eab26-9f56-45ad-92d1-9d56ebc13133": "How do the gross unrealized losses for mortgage-backed securities compare between those in a continuous loss position for less than twelve months and those for twelve months or longer as of December 31, 2023?", "17c9102c-d618-40ba-97ee-eb053923e66b": "What is the total gross unrealized loss for non-agency residential mortgage-backed securities as of December 31, 2023?", "4c0f0f46-523c-4794-bf96-24031d313257": "How much gross unrealized loss is reported for agency-collateralized mortgage obligations as of December 31, 2023?", "20c42a74-f835-49e9-9c17-5f8a736300f8": "What is the total fair value of AFS debt securities in a continuous unrealized loss position as of December 31, 2022?", "f3683244-cee1-46ed-a110-19741d53f846": "What are the gross unrealized losses for commercial mortgage-backed securities that have been in a continuous unrealized loss position for twelve months or longer as of December 31, 2023?", "1750d015-79e6-4349-a878-ac29fbb7a05a": "How does the total fair value of continuously unrealized loss-positioned AFS debt securities change from December 31, 2022, to December 31, 2023?", "c438d4f7-e86e-4a51-b90e-6b583c873ed1": "What is the total gross unrealized loss for all AFS debt securities in a continuous unrealized loss position as of December 31, 2023?", "6638fb73-c153-418a-9a5e-0d9375f315e4": "What is the total amount of continuously unrealized loss-positioned AFS debt securities as of December 31, 2022?", "04597be0-4db7-44c7-9d12-13810725ed9e": "How much are the continuously unrealized losses for U.S. Treasury and government agencies in the AFS debt securities?", "4254cff2-be2f-4c41-a46e-6aeb0ca0d66d": "What are the total amounts for non-U.S. securities in the continuously unrealized loss position?", "6657a899-b81d-42d4-9ff6-74bb69206417": "Which category of mortgage-backed securities has the highest continuously unrealized loss, and what is the amount?", "da571720-5c83-4c4c-85b9-fd1d3c8c1766": "How many total AFS debt securities are listed under tax-exempt securities in the document?", "f187ee8c-6b7b-4afe-af2c-ac209e145ac4": "What is the total amount of other taxable securities in a continuous unrealized loss position?", "f78fce1e-2c1b-4a81-9626-8e9e31eca6ba": "How much are the continuously unrealized losses for agency-collateralized mortgage obligations?", "c5a556d7-8599-4f59-9a33-48445db5a983": "What is the total amount of mortgage-backed securities categorized as commercial, and what are their continuously unrealized losses?", "e2a44a60-1d4e-446d-8315-cf1710056fd1": "What is the total amount of continuously unrealized loss-positioned AFS debt securities for tax-exempt securities?", "a0220f99-a112-435a-b3c0-34f66daeb181": "How does the total amount of continuously unrealized loss-positioned AFS debt securities compare between mortgage-backed securities and other taxable securities?", "278a129f-406c-4463-b909-9ca8d9e5ee78": "What is the total amortized cost of debt securities carried at fair value as of December 31, 2023?", "8d435309-5448-4825-8274-eafd91281927": "What is the yield of U.S. Treasury and government agency securities due in one year or less?", "f87137d7-c87e-4949-935f-ef4a510adaca": "How much is the amortized cost of non-U.S. securities due after five years through ten years?", "7ee4c3af-971c-4989-8de3-f11c270cb24e": "What is the yield of agency mortgage-backed securities due after ten years?", "e02a685b-e660-47ee-b9c3-f644ba92f09f": "Which category of mortgage-backed securities has the highest yield according to the document?", "103997ca-a62f-449d-89f6-294403ae2f45": "What is the total amount of tax-exempt securities carried at fair value?", "2b59f4f4-cd87-4da7-8048-a3399ff1cb73": "How many categories of debt securities are listed in the document, and what are they?", "2f53259d-a0c8-497b-9c2d-239628e55d12": "What is the yield of commercial mortgage-backed securities due after one year through five years?", "d40cabc3-a961-4261-a8af-a22cc448e5e2": "How does the yield of agency-collateralized mortgage obligations compare to that of non-agency residential mortgage-backed securities?", "1a620260-22df-4c7f-ad70-40ced96da8ab": "What is the total amount of HTM debt securities reported in the document?", "c4ad134d-ea2a-4164-b57c-39247827ba95": "What is the total amortized cost of held-to-maturity (HTM) debt securities mentioned in the document?", "b63ccd08-a5c3-4a73-8ac0-f4baf0e12f85": "How many mortgage-backed securities are listed in the document, and what is their total fair value?", "acdbd575-44f7-4697-b658-05b0c55663a5": "What is the weighted-average yield calculated based on in the context of the document?", "22f14da8-40c9-491c-a029-a94824848c46": "Which category of securities has the highest total amortized cost according to the provided data?", "71f47146-7279-4f42-9572-8df213a12106": "What is the fair value of U.S. Treasury and government agency securities as stated in the document?", "6dec00a8-cd1d-4e9d-b453-230a86e16f71": "How many non-U.S. securities are reported, and what is their total fair value?", "66d2c629-e54e-4ae5-bb97-57a3279b125c": "What is the yield of other taxable securities as indicated in the document?", "b272e71b-569a-471f-8f5a-02d1460b5381": "How does the total fair value of HTM debt securities compare to the total amortized cost of HTM debt securities?", "c72d5dc1-7ab9-4890-a21b-03eb745cf511": "What types of mortgage-backed securities are mentioned in the document, and what is their combined total fair value?", "91dd8b4d-c39d-4944-86e7-95623e28f939": "What is the significance of excluding the effect of related hedging derivatives when calculating the weighted-average yield?", "5e922b7b-933f-40bc-b945-ebc4c5f49383": "What are the total outstanding loans and leases for consumer real estate as of December 31, 2023?", "9ef3db64-b227-4524-8d42-a5de6cffdf33": "How much are the total past due loans for credit cards and other consumer loans as of December 31, 2023?", "1be552e5-ff78-4494-aeed-8c1ca53f96e5": "What is the amount of residential mortgage loans accounted for under the fair value option at the end of 2023?", "58538b4a-f510-4332-ab2f-3b43b9c48b50": "How many days past due are categorized under the 60-89 days past due segment for commercial loans as of December 31, 2023?", "79d70121-c4d1-4d16-8030-c268915afbed": "What is the total amount of commercial lease financing outstanding as of December 31, 2023?", "bf8ce7ee-1e4e-4460-a88f-2a1847cc2403": "How does the total outstanding loans and leases for consumer loans compare to commercial loans as of December 31, 2023?", "aacbbb05-0b5b-410f-a31b-a593ac1e027b": "What is the total amount of home equity loans outstanding as of December 31, 2023?", "509f9fb0-f76d-4c82-b467-2792bc55e5bd": "How much are the total past due loans for the non-U.S. commercial segment as of December 31, 2023?", "789d9c5d-ed37-4195-93ed-0eff4bfd639c": "What is the total amount of current loans (less than 30 days past due) for the entire consumer portfolio as of December 31, 2023?", "dee4c6a4-8fd5-44bb-92bd-83419a16edc2": "What is the total outstanding amount for commercial real estate loans as of December 31, 2023?", "db3ec18f-2e2b-43b2-ad16-fdb0232a6343": "What is the total amount of U.S. commercial loans accounted for under the fair value option as mentioned in the document?", "b1521347-2006-49a9-a1b6-8c11103c40b6": "How many commercial real estate loans are included in the total outstandings?", "7835f0f1-6aa9-4790-9a7a-d6ac540b2773": "What percentage of total loans and leases does the consumer real estate loans 30-59 days past due represent?", "553d556d-c96d-44bd-b519-a86d965471bd": "What is the total outstanding amount for U.S. securities-based lending loans?", "d2405534-2b4e-4712-a686-a2fdc5b47ad4": "How many non-U.S. commercial loans are accounted for under the fair value option?", "332b5235-8732-427f-b5c4-a16c77578e51": "What is the total amount of auto and specialty lending loans and leases included in the total outstandings?", "75d128ff-8feb-4c52-b9a9-8888453577e8": "How many commercial lease financing loans are reported in the document?", "ae6b3583-93a7-4103-9ecf-52395df2140a": "What is the total outstanding amount for loans and leases pledged as collateral?", "b77e50af-ef7a-4792-bbe1-e27a764051b8": "How many commercial loans and leases are reported in the total commercial loans and leases section?", "fede32ad-b163-4f5b-ad0b-0e30d6337d98": "What is the total amount of nonperforming loans for consumer real estate loans 90 days or more past due?", "15a36f57-52db-4733-87c5-0d373572ca83": "Here are 10 diverse questions based on the provided document:", "14cea9b2-38ef-4905-bf72-b0e8bafef717": "What is the total amount of consumer loans and leases outstanding as of December 31, 2022?", "ed7bb27d-d307-42d9-9b6f-b722935d7c54": "How much are the consumer real estate loans that are 90 days or more past due?", "0e56cc74-d6ec-45c5-8e4a-c3fb9b0f1719": "What percentage of total outstandings is represented by loans that are current or less than 30 days past due?", "865c0f14-9234-40bb-a1aa-e5093610ac8d": "How much of the commercial loans are accounted for under the fair value option?", "38ed3842-b089-4b80-8cb7-192f984428f9": "What is the total amount of credit card loans that are 30-59 days past due?", "12888573-de89-4d20-9bb2-a317db70e8ad": "How many million dollars are U.S. small business commercial loans that are 60-89 days past due?", "8eed8fd1-4571-4807-80c3-50124731474f": "What is the total outstanding amount for non-U.S. commercial loans?", "380f7f91-c450-48ef-9415-aa1e593eb59e": "How much of the consumer real estate loans that are 30-59 days past due are classified as fully-insured?", "44a2986c-ae19-48e9-aca9-6756d7ccf2e3": "What is the total amount of loans and leases pledged as collateral?", "72a71024-340a-416f-98dc-293d24519d10": "What is the total amount of residential mortgage loans accounted for under the fair value option as of December 31, 2023?", "3b434593-38a3-4f98-8a66-45f57e4d4260": "How much do U.S. commercial loans account for under the fair value option?", "f7f65cc2-a104-4b03-a1f4-911ebc787435": "What is the total outstanding amount of U.S. commercial real estate loans reported in the document?", "a81b75d7-6428-409b-8d96-776aaf3a2084": "What is the total amount of loans and leases pledged as collateral by the Corporation?", "88b30844-26b8-4bbe-bdde-0cc41983f890": "How much credit protection has the Corporation entered into agreements for with FNMA and FHLMC on residential mortgage loans?", "461ed4a1-3268-4810-bf03-ae9353f89831": "What was the increase in commercial nonperforming loans from December 31, 2022, to December 31, 2023?", "22a5837e-216c-48ef-93e5-e96b477bc8c2": "How do consumer nonperforming loans compare between December 31, 2022, and December 31, 2023?", "5f1903b1-2ae0-4c7c-8503-53f009295952": "What criteria are used for classifying loans as nonperforming according to the document?", "deb73743-58c2-4d9a-8004-7e0212f13462": "What is the total amount of non-U.S. commercial loans accounted for under the fair value option?", "6cedd264-d892-44d5-8791-d9e545e87ce5": "How much of the Corporation's loans are individually insured, and what is the implication for recording an allowance for credit losses?", "49ac52a8-b99f-4dbf-bf5c-59fffeee451f": "What was the total amount of nonperforming loans reported as of December 31, 2023?", "2cb5cf84-0c25-4844-babb-d2de76653d57": "How much did the residential mortgage loans accruing past due 90 days or more amount to in 2022?", "9bb00780-4eaa-4cc9-957a-626873dd7036": "What are the primary credit quality indicators used to monitor the Consumer Real Estate portfolio segment?", "c357c9bc-dbf2-4b2a-ba1e-941bb5a4a5a4": "What percentage of outstanding loans and leases did the total nonperforming loans represent as of December 31, 2023?", "84058be0-0e44-45f5-b2ad-1564648c6b84": "How does the Corporation evaluate home equity loans in terms of credit quality?", "2aadd284-9805-4708-85b3-8c9a153c2efc": "What was the amount of U.S. commercial nonperforming loans reported in 2023?", "bbaaba4f-d6ee-4cc2-a04d-6a99e8c93ab7": "What does the term \"reservable criticized\" refer to in the context of commercial loans?", "76d598fc-9e09-4ff8-9485-e9bd58c037d4": "How often are FICO scores typically refreshed for borrowers in the Consumer Real Estate portfolio?", "ac4bc6ae-fb7b-478b-b317-eae9a71c729a": "What was the total amount of accruing past due loans for U.S. small business commercial in 2023?", "7d1cab52-aec6-4e3b-bddb-0b2dd3b75262": "What is the significance of the FHA in relation to residential mortgage loans that are no longer accruing interest?", "78755d9a-a4e7-4946-b7f2-ae9b0af8e53f": "How frequently are FICO scores typically refreshed according to the document?", "fae798a2-3fb5-41b8-86be-5cecfdfe09d8": "What specific borrower situation might prevent a FICO score from being updated?", "bf52db30-a35b-4ccd-b055-89f6d4f69a4c": "What are the primary credit quality indicators for the Credit Card and Other Consumer portfolio segment?", "2dcb3b0b-2433-4fe2-bad0-3a598d099674": "How does the document classify commercial loans that are considered to have an elevated level of risk?", "5ecc9675-e816-4e17-b89b-5cdd29850f8a": "What does the term \"reservable criticized\" refer to in the context of commercial loans?", "80b4c416-de8e-4c87-b037-fb68e25d7a56": "What are the asset quality categories defined by regulatory authorities mentioned in the document?", "05aa65f0-8703-4b15-a1c8-a4c89b5d909d": "How are loans classified that are not considered reservable criticized?", "aa31770b-f9f0-417d-a605-1cdd66991493": "What additional credit quality indicators does the Corporation use for certain types of loans?", "1014b451-9358-4d0f-a384-43a35d490d36": "What information is presented in the tables mentioned in the document regarding credit quality indicators?", "b9dfa9b2-141b-4b5f-b4f8-cc3b74a70c10": "As of what date are revolving loans and revolving loans modified into term loans shown on an aggregate basis?", "c3f0d7e0-c238-4996-8541-e931a5caca40": "What is the total amount of residential mortgage loans as of December 31, 2023, according to the document?", "04d1726c-46ca-414d-b0b9-9f5fa7e59add": "How many residential mortgage loans have a refreshed loan-to-value (LTV) ratio greater than 90 percent but less than or equal to 100 percent as of December 31, 2023?", "279d8494-fd0f-4fb3-a67b-4366a116aede": "What is the gross charge-off amount for the year ended December 31, 2023, for residential mortgages?", "a9f5b55a-10ec-41f2-9fec-34feb27b2f99": "How many home equity loans have a refreshed FICO score of less than 620 as of December 31, 2023?", "7c7b9981-4f54-496f-8747-122fcfe6af1f": "What is the total amount of home equity loans and reverse mortgages as of December 31, 2023?", "dd19febc-10bd-46e2-873d-babdde487780": "How many fully-insured residential mortgage loans are reported in the document?", "da560402-59cd-4b11-8b90-d7bedd05112e": "What is the amount of home equity loans with a refreshed LTV ratio less than or equal to 90 percent as of December 31, 2023?", "4f9b72a3-b7e5-4cab-8fbc-078459e89ace": "What is the distribution of residential mortgage loans by FICO score category for loans greater than or equal to 680 and less than 740?", "1c572abe-2267-4e66-ae65-be220978d8a2": "How many home equity loans have a refreshed FICO score greater than or equal to 740 as of December 31, 2023?", "079b35ff-a377-4a56-bc6e-e8361014ab08": "What is the amount of residential mortgage loans with a refreshed LTV ratio greater than 100 percent as of December 31, 2023?", "ad3a22b9-4b20-4189-a823-f378fee7fd7b": "What was the total amount of home equity reported as of December 31, 2023?", "34c4871c-6dee-4be5-a817-682ba2e6c776": "How many gross charge-offs were recorded for home equity loans for the year ended December 31, 2023?", "5ce2db27-9143-409f-bdeb-613a69950930": "What is the FICO score range associated with the highest total home equity amount?", "fd96c749-3fe0-4603-a680-50a88c94eff2": "How much credit card debt was reported for individuals with a FICO score greater than or equal to 740 as of December 31, 2023?", "6c64e466-33af-4b8d-a47e-0f961895401e": "What were the gross charge-offs for credit cards and direct/indirect consumer loans for the year ended December 31, 2023?", "cf3563ce-5894-4dfd-b8de-f2e000be6833": "How does the total credit card and other consumer loans amount compare between 2023 and 2022?", "7bd460ac-8a8e-4e12-9f52-c8d439651a8c": "What is the total amount of revolving loans for individuals with a FICO score less than 620?", "4b5a9501-9a84-4606-868b-c7c0996440e3": "How many loans were converted to term loans as indicated in the document?", "31bbd5cb-01ef-4dfa-bcd9-5b494b1054d5": "What internal credit metrics are mentioned in the document that may influence credit quality indicators?", "69256d09-5583-4438-a9f9-92878f14c701": "What was the total amount of loans modified into term loans as per the provided data?", "3cc37d3c-4f7e-4174-91bc-ee3e614ea92b": "What is the total amount of securities-based lending mentioned in the document?", "6a5cf6f7-71bc-4de0-bddd-29cc71e1f570": "As of December 31, 2023, what type of collateral typically supports securities-based lending?", "e4b6b609-2321-4e42-97fe-7607133c41a9": "What factors may be included in other internal credit metrics according to the document?", "26b0a1e9-784d-40f3-b123-cf4f9dc27668": "How does the document describe the credit risk associated with securities-based lending?", "53399152-8009-4acd-9ed0-4a37a8d5b782": "What is the significance of delinquency status in the context of internal credit metrics?", "bca669b7-7ed5-42af-a997-b81e78637272": "Which financial institution is referenced in the document?", "48a433cd-ea2c-41fb-97ae-82df86c36b18": "What is the relationship between the market value of collateral and the outstanding loan balance in securities-based lending?", "9ce97d40-1e5b-4634-b064-e0f7318f4648": "How might geography influence internal credit metrics as mentioned in the document?", "f3c1c5d3-5fcf-44b8-87f7-1b1b559bbef7": "What does the document imply about the liquidity of collateral used in securities-based lending?", "7be39adf-cae8-43b9-baef-57512a6b24ad": "What date is referenced in the document for the assessment of credit metrics and securities-based lending?", "984d00a2-9cf8-474a-ace7-55897db0fe3e": "What is the total amortized cost basis for U.S. Commercial loans as of December 31, 2023?", "b3aaaa2a-0f0c-47aa-b3b2-bb77bf860b4c": "How much did the gross charge-offs amount to for Non-U.S. Commercial loans for the year ended December 31, 2023?", "e0389c21-1d8c-4f7c-8564-9354dbc36625": "What is the total amount of reservable criticized loans in the Commercial Real Estate category as of December 31, 2023?", "446a25bb-a778-466d-b2f3-1f4eec1c20a6": "How many pass-rated loans are reported for U.S. Small Business Commercial as of December 31, 2023?", "aad4e4d4-83f2-4570-b6fa-6e3801476e46": "What was the gross charge-off amount for Commercial Lease Financing for the year ended December 31, 2023?", "3be5ffeb-2e4c-41a3-a7bd-90f9e3cc0210": "How does the total amortized cost basis for U.S. Commercial loans in 2023 compare to that in 2022?", "fe2c3909-be67-4682-a66c-fb7efc01ce78": "What is the total amount of reservable criticized loans for Non-U.S. Commercial as of December 31, 2023?", "af4380e4-0f75-4164-95ee-c7d17bfa7485": "What was the total gross charge-offs for Commercial Real Estate loans for the year ended December 31, 2023?", "a2e801da-5ca1-4f0d-8cb7-a93f0d97e92b": "How much did the pass-rated loans in the Commercial Lease Financing category amount to as of December 31, 2023?", "9ad6821b-8199-4d03-8359-605df5d97d12": "What is the trend in reservable criticized loans for U.S. Commercial from 2019 to 2023?", "eda40693-9ba2-4dd1-bf04-737a7ee8988a": "What is the total amount of gross charge-offs for U.S. Small Business Commercial loans for the year ended December 31, 2023?", "98de1cb5-5b20-4407-9e58-2a56a1da6e51": "How much is the reservable criticized amount for U.S. Small Business Commercial loans?", "5b1ec078-4e81-416d-8ae2-86fa26253c68": "What is the breakdown of refreshed FICO scores for the U.S. Small Business Card loans portfolio?", "aba89252-b2d2-4217-a02e-a720da655c3b": "What is the total amount of loans excluded from the report that are accounted for under the fair value option as of December 31, 2023?", "8dbabd48-5cb3-4ef9-ad78-ba3b62451904": "How many pass-rated loans are reported in the U.S. Small Business Commercial section?", "d1b98b83-4ee8-437e-8bce-859581d771bb": "What is the gross charge-off amount for U.S. Small Business Commercial loans categorized under 'Total' for the year ended December 31, 2023?", "78b3a680-8918-4bd5-b8a8-23a9517f3d54": "What is the total amount of U.S. Small Business Card loans gross charge-offs mentioned in the document?", "64b496cf-e1ac-4c06-96a5-590469492541": "How many reservable criticized loans are reported in the U.S. Small Business Commercial section?", "d0422fac-7030-4584-935d-ac0770148625": "What is the highest amount listed under the pass-rated loans for U.S. Small Business Commercial?", "0ddba706-557d-49ea-a2d3-78313e670da7": "What are the amounts listed for gross charge-offs in the various categories for the year ended December 31, 2023?", "4cb0975a-e347-4ec2-b6ad-a49f1f774ac4": "What are the total residential mortgage amounts as of December 31, 2022, categorized by refreshed LTV percentages?", "e3c0d327-1972-4932-b963-06c86d2b60bc": "How many residential mortgage loans have a refreshed FICO score of less than 620 as of December 31, 2022?", "458fbd8a-aee3-4c74-ae2b-b24f5149bf41": "What is the total amount of gross charge-offs for home equity loans for the year ended December 31, 2022?", "9482a682-4175-48ec-a591-b018685fccc9": "How many fully-insured residential mortgage loans are reported for the year 2022?", "5cfb6ed0-ae6b-4859-b88c-940aacaf082f": "What is the total amount of home equity loans and reverse mortgages as of December 31, 2022?", "48c75dc5-13d5-4e54-b788-c8afe89554b9": "How does the amount of residential mortgage loans with a refreshed LTV greater than 90 percent but less than or equal to 100 percent compare across the years 2020 to 2022?", "c31bebe7-8495-4e0a-8a73-fc45044a3ad2": "What is the distribution of home equity loans based on refreshed FICO scores as of December 31, 2022?", "08531752-853a-4b5a-afac-a931fc95bca8": "How many residential mortgage loans were originated in the year 2021, categorized by refreshed LTV percentages?", "b853cd7d-c83f-4aad-9a21-d7c4d88264ec": "What is the total amount of gross charge-offs for residential mortgages for the year ended December 31, 2022?", "0d4ffdcc-0490-491a-8ec1-94abf0c0535d": "How do the amounts of revolving loans converted to term loans compare to the total home equity loans as of December 31, 2022?", "332eb697-9739-49b6-bc28-101c77870782": "What are the total credit card and other consumer metrics as of December 31, 2022, according to the document?", "8644cadc-9bb5-486c-a5b3-177f9bc0a55a": "How much was the gross charge-off for credit cards for the year ended December 31, 2022?", "4b121e3d-b4c4-4d31-a707-6750aeadbfb3": "What is the total amount of U.S. Commercial loans categorized as \"Pass rated\" as of December 31, 2022?", "aa8b0377-638f-482f-8d6a-d601873fe993": "What credit quality indicators are used for Direct/Indirect Consumer loans by vintage in the document?", "7d0660b2-66d1-48dc-8a13-14b5097683ee": "How many loans with a refreshed FICO score of less than 620 were converted to term loans in 2022?", "0d8dacb8-4df2-44f1-b1be-2a575c84fcaf": "What is the total amount of Non-U.S. Commercial loans categorized as \"Reservable criticized\" as of December 31, 2022?", "b6065577-38c7-4637-bfcc-f21ff0ef1fdd": "What internal credit metrics are mentioned in the document, and what factors do they include?", "cecc3139-bdff-4b2a-93ad-1b065b894020": "How does the amount of credit card loans with a FICO score greater than or equal to 680 and less than 740 compare to those with a score greater than or equal to 740?", "2ecd264c-fd2c-4d18-a7d2-8c2bc19c369c": "What was the total amount of Direct/Indirect consumer loans as of December 31, 2022, and how does it compare to the previous year?", "25aed027-a8d9-416b-b666-97a649ce629e": "What are the gross charge-offs for Non-U.S. Commercial loans for the year ended December 31, 2022?", "ccbb5471-90a8-432f-b85a-2726c1b7bf03": "What was the total gross charge-offs for U.S. Commercial for the year ended December 31, 2022?", "86726a64-eb65-44b8-a3aa-7073a611213d": "How much did the reservable criticized risk ratings amount to for Non-U.S. Commercial?", "c9553c91-d9b9-451b-a7f6-627d23d98bd0": "What is the total amount for Commercial Real Estate categorized as pass rated?", "127ac1f1-8cc5-479d-98b2-072df881d994": "What were the gross charge-offs for Commercial Lease Financing for the year ended December 31, 2022?", "bc7ca8c2-2ba9-4d7c-b250-c02d20c46f78": "How many total risk ratings are listed for U.S. Small Business Commercial?", "0a0fe803-8611-418f-a251-d1a5a874e1d8": "What is the total amount of reservable criticized risk ratings for Commercial Real Estate?", "cabc5121-d4e8-4af5-93ae-2e52612ca01c": "How does the total gross charge-offs for Non-U.S. Commercial compare to that of U.S. Commercial?", "086b5927-f573-490c-a238-d37312f2cf16": "What is the highest amount listed under pass rated for U.S. Small Business Commercial?", "56f2def1-811f-4a19-af4d-e4af462e768d": "What was the total amount for Commercial Lease Financing categorized as reservable criticized?", "7febd391-a064-4c0b-849c-ee9a3e7a9fde": "How many different categories of commercial financing are mentioned in the document?", "de607518-e569-4cb8-9610-79e2bc425f0c": "What is the total amount of gross charge-offs for U.S. Small Business Commercial loans for the year ended December 31, 2022?", "0e81de13-0fc8-4aac-8da7-82998369ac65": "How much is the reservable criticized amount for U.S. Small Business Commercial loans?", "6d643462-a8f7-4fed-884e-ec2fea242f80": "What is the breakdown of refreshed FICO scores for the U.S. Small Business Card loans portfolio?", "439e10f7-25cf-4dc6-b5d6-7b5b92426c05": "What amount of loans is excluded from the fair value option at December 31, 2022?", "211cfee7-1c2e-484e-a890-ff1ddb8d02ba": "How many pass-rated loans are listed in the U.S. Small Business Commercial risk ratings?", "76e3182e-467d-4eb6-a7d0-a2cba5a514f8": "What is the total gross charge-off amount for U.S. Small Business Card loans?", "5947e132-67c0-4457-9d96-4704df40891d": "How many reservable criticized loans are there in the U.S. Small Business Commercial category?", "ea72d89e-5686-4933-9396-789b64c36555": "What is the amount of loans with FICO scores greater than or equal to 680 and less than 740 in the U.S. Small Business Card loans portfolio?", "39d7d048-f516-4808-b100-695ff14fb35d": "What is the total amount of U.S. Small Business Commercial loans reported in the document?", "65a9807b-d157-42ba-94fa-f4bcfa15a1ed": "What is the significance of the $5.4 billion figure mentioned in relation to loans accounted for under the fair value option?", "4854d627-4c95-4dcf-94fa-3d73275652c2": "What was the total commercial reservable utilized exposure at December 31, 2023, and how did it change from the previous year?", "eca1dedb-7f67-42a9-831d-c14f688cd39d": "What criteria does the Corporation use to identify borrowers in financial difficulty?", "ef685846-c9f2-4f3e-afbf-3ece3feece8e": "How does the Corporation classify a loan that is modified while the borrower is current at the time of modification?", "38221571-e182-4127-a041-447f690fefe2": "What percentage of outstanding residential mortgage and home equity loans were modified for borrowers experiencing financial difficulties at December 31, 2023?", "45a9e76a-d523-4b21-b5d2-ab2628418c98": "Describe the forbearance and other payment plans offered to borrowers experiencing financial difficulties.", "fd2f6b0a-6e36-45e8-8ed7-3a8735c861d9": "What is the weighted-average duration of residential mortgage loan modifications for 2023?", "7454eca9-7ff2-4f96-811e-34c5011590c8": "What are the key features of trial modifications offered by the Corporation?", "e35ba990-c109-40fe-9798-26480dddc23e": "How does a permanent modification differ from a trial modification in terms of borrower payment terms?", "42a6fad3-8f23-49b2-9eb0-8dc8ca0e6810": "What was the amortized cost of residential mortgage loans that entered trial modifications at December 31, 2023?", "e4f82ccb-b565-422e-8a86-4da74b06de42": "What types of changes might be included in a permanent modification to a borrower's loan agreement?", "a3ae0d2f-96fa-4b40-9afd-f54e6a5c6412": "What is the amortized cost of home equity loans that entered trial modifications during the specified period in the document?", "89cdc1aa-f6f0-4cf5-bec7-79ef81825df3": "What are the key components typically modified in a permanent modification of a loan?", "0825006e-36ff-4acd-8ba2-5494f8adbf17": "As of December 31, 2023, what is the total amortized cost of residential mortgage loans that received a permanent modification?", "fd7e29cd-26a5-4650-a5e6-ea370052033f": "What was the weighted-average interest rate reduction for permanent modifications of residential mortgage loans in 2023?", "6013de63-402a-4897-a892-29a8c32cf50e": "How long can term extensions for permanent modifications of home equity loans be, according to the document?", "5ee7687b-72a3-49c5-b7c7-089c54a1cdd1": "What is the significance of principal forgiveness and payment deferrals during 2023 for modified loans?", "e336ba66-b6e5-4c61-bef7-7fea3e12af1f": "What happens to a borrower\u2019s consumer real estate obligation if it is discharged in a Chapter 7 bankruptcy proceeding?", "2f188a18-fb03-4020-b546-1bf2445f4c0f": "How much in defaults of modified residential mortgage and home equity loans occurred since January 1, 2023?", "adb0b207-3880-442d-8839-599d8276ea32": "What conditions must borrowers with a home equity line of credit meet to potentially reinstate their lines after a forbearance plan?", "2c0e2e0d-ebc2-46a4-a4b3-e45465aab268": "How does the Corporation track the performance of modified loans, according to the document?", "a7eefe13-ba82-4a95-a40d-38712f86614b": "What was the total amount of residential mortgage loans classified as current as of December 31, 2023?", "e281a75b-2b80-4362-9fa4-4bf07ad060c1": "How much principal forgiveness was granted for modified credit card and other consumer loans during 2023?", "58c3223b-73bd-4609-ace1-c5f3c84db945": "What percentage of outstanding credit card and other consumer loans were represented by modifications as of December 31, 2023?", "9d532419-21d3-41a3-8a21-d99aaed3114a": "What were the carrying values of consumer real estate foreclosed properties at December 31, 2023, and 2022?", "2c7d6642-e97c-4a4b-9570-96b8e2360260": "Describe the types of modifications made to commercial loans for borrowers experiencing financial difficulty.", "460c8bee-c73d-4118-abaf-16958cc4970e": "What was the weighted-average interest rate reduction for modified credit card and other consumer loans in 2023?", "f2c19b05-7b51-42a0-902b-b425f030e2b6": "How many commercial loans were modified during 2023, and what types of modifications were primarily utilized?", "9dc67bca-c2a1-4630-9838-6dc8f6708a53": "What is the significance of the reclassifications of consumer real estate loans to foreclosed properties during 2023?", "c55e3c55-99e3-4931-921d-ca89a37b7582": "How many modified credit card and other consumer loans were current as of December 31, 2023?", "2c7a721f-c03d-4ce7-9292-cdbcc4a41d9e": "What are the terms of the fixed payment plans offered to customers for credit card and other consumer loans?", "bccd9f83-4e36-442b-8dcd-b53c62a5699b": "What are the primary types of commercial modifications mentioned in the document?", "19b21bdd-86e5-4c5d-9682-7747d31a5a51": "How does payment forbearance affect the Bank's contractual rights?", "000ad29f-54bf-4448-8d28-43958df63f79": "What was the total amortized cost of commercial loans modified during 2023?", "95d4722a-3307-462a-a175-1652b7105cde": "What is the weighted-average life increase of impacted loans due to term extensions in 2023?", "72a8e832-1988-4d08-a55b-6c5059fbe556": "What is the range of the deferral period for loan payments mentioned in the document?", "2b146a5d-56a2-4aee-b15e-4427b6df5c51": "How much was the weighted-average interest rate reduction for modified loans in 2023?", "e32eb1c3-f485-4664-a4ad-dc7d8a1b24a4": "What amount of defaults occurred for commercial loans modified in 2023?", "43597b60-a3c4-4995-a6ce-6eee882ce706": "Were there any significant modifications for Commercial Lease Financing and U.S. Small Business Commercial loans in 2023?", "a54875a9-375d-4841-976f-afcecede987e": "What types of principal forgiveness are mentioned in connection with commercial loans?", "33bed9f6-58b8-4ea8-8342-5fbf902c08e4": "What aging information is provided for commercial loans modified in 2023?", "323bc987-4109-400d-960d-1635be66891a": "What was the total amount of commitments to lend to commercial borrowers experiencing financial difficulty in 2023?", "de6f96dd-cef8-4940-b86e-39dd0a0a76bf": "How many days past due are classified under the U.S. Commercial category for modified loans as of December 31, 2023?", "e3e1e763-d0fc-4891-be1a-bf59b4d64ea2": "What percentage of the total financing receivable does the Commercial Real Estate category represent as of December 31, 2023?", "7d90ab12-1e22-4ed0-813b-ea262ee5c4a7": "What are the pre- and post-modification interest rates for residential mortgages that were modified in TDRs during 2022?", "6fc1e539-a617-4d39-909a-c68ced521746": "How does the carrying value of home equity loans modified in TDRs compare between December 31, 2021, and December 31, 2022?", "b30c6a81-65b5-438f-a35e-9624d1994c36": "What accounting treatment was used for loan modifications prior to January 1, 2023, for borrowers experiencing financial difficulty?", "535f7ec2-445d-43b5-a815-5a1a470d720b": "What was the total unpaid principal balance of consumer real estate loans modified in TDRs during 2022?", "8687f0d8-b1a6-484f-a923-ca4c71bb07ae": "How many days past due are classified under the Non-U.S. Commercial category for modified loans as of December 31, 2023?", "a34426e4-eab9-462b-bb68-e3e8c8954318": "What is the significance of binding trial modifications in the context of TDR classifications?", "0c892c85-0f41-477d-ad1e-61605aabb435": "What was the total carrying value of consumer real estate loans modified in TDRs during 2021?", "d93f5962-f452-4217-8c1e-7fb07c4b580d": "What is the total carrying value of consumer real estate loans modified in a TDR during 2022?", "0369a7d7-c2b0-41c9-ab94-5cd06cc9c675": "How many loans were discharged in Chapter 7 bankruptcy that were modified in a TDR in 2021?", "f78d499e-2a2a-43c0-9e76-44bc1e3549f3": "What was the value of modifications under proprietary programs for consumer real estate loans in 2022?", "53c56e93-f9a2-4b32-8ce5-5be117d043f4": "How does the total number of TDR modifications in 2022 compare to those in 2021?", "7e25473c-b32a-4acd-823c-2213a5f51445": "What constitutes a payment default for consumer real estate TDRs according to the document?", "f79e7ebd-0371-480d-b025-eeee5bc26a67": "How many trial modifications were recorded for consumer real estate loans in 2021?", "e8c5b949-1f22-478c-8c72-bccc18f7c350": "What was the total carrying value of consumer real estate TDRs entering payment default in 2022?", "4a8259ae-1a71-4e4b-8536-2dc818f31a01": "Did any modifications under government programs enter payment default in 2022?", "c438a46a-149b-4fca-8fda-91ea3b0ad52e": "What is the significance of loans discharged in Chapter 7 bankruptcy in relation to TDR classifications?", "8e245ccc-15f3-4dc8-9e81-88420e3670d4": "How many trial modification offers were made to customers in 2022, and what does the document say about customer responses?", "d0b854cb-4b9c-4820-9266-8344728d9591": "What was the unpaid principal balance for credit card loans modified in TDRs as of December 31, 2022?", "11823288-b76f-4c2b-8ec6-10382934d478": "How did the carrying value of commercial loans modified as TDRs change from 2021 to 2022?", "dda48218-c6b4-4436-9742-3f98dd21bee0": "What were the average pre-modification and post-modification interest rates for direct/indirect consumer loans in TDRs during 2022?", "c4e5bcab-5ba1-4a62-8b3d-0f5ed045c19e": "What amount of commitments to lend was reported for commercial borrowers classified as TDRs at December 31, 2022?", "d631cfb0-3fe1-4de3-8d5f-40c26c8681fd": "How much did the Corporation's loans held-for-sale (LHFS) total at December 31, 2022?", "6281122a-5856-4a33-8432-a65425b3c5e8": "What was the total carrying value of Credit Card and Other Consumer loans modified in TDRs for the year 2021?", "023d63d4-52ca-4d27-8a12-feb002b4d844": "What was the balance of commercial TDRs in payment default at December 31, 2021?", "44b20216-090a-4ac5-b11e-637d7d8e0f39": "How much cash was used for originations and purchases of LHFS in 2022?", "71801322-81fc-4c99-8be4-927f3a3b27c3": "What was the non-cash net transfer amount into LHFS during 2022, and what was the primary driver for this transfer?", "6e45743f-4147-455f-ae03-97e3507d1ffb": "What is included in the outstanding credit card loan balances as mentioned in the document?", "def7593e-c842-43d3-aece-cfd0c5c5a13e": "What was the amount of non-cash net transfers into LHFS during 2023?", "b7016fa9-5ccd-4a4f-a70b-b96a161ce90d": "How much accrued interest receivable was reported for loans and leases at December 31, 2022?", "f9a5168d-509c-45f1-a3fe-deac5b85f89f": "What significant event occurred in October 2022 that impacted the affinity card loan portfolio?", "2d9a4122-91c7-4ac7-84a6-954b411f9d24": "What criteria are used to classify credit card loans as nonperforming?", "1c507401-9a58-4a18-b93c-9901f74746b3": "How much interest and fee income was reversed during 2023 upon charge-off of the principal balance of loans?", "ca18d910-f6e4-4b55-9c73-4dc1a4d2546c": "What factors are considered in estimating the allowance for credit losses?", "0e2426bb-7683-4c1b-861f-e1ff3209ec14": "What was the accrued interest receivable for loans held-for-sale at December 31, 2023?", "96e75ba8-85ee-479b-a4e1-bb15c33ebcc1": "How does the Corporation incorporate forward-looking information in its credit loss estimation?", "61a1f27b-8ede-4881-9302-7de131ecbf98": "What was the amount of nonperforming loan balances classified during 2023 and 2022?", "b7bdf202-fdd3-4548-a014-2c61c644a417": "What is the purpose of qualitative reserves in the allowance for credit losses?", "96cb0b8b-ca84-49ea-a414-c5e2a8148e5f": "What key macroeconomic variables are considered in the Corporation's credit loss accounting policies?", "dda4234e-f0ee-4cac-9ac8-ffb57c688ecb": "How did the allowance for credit losses change from December 31, 2022, to December 31, 2023?", "7cd2ea6b-6488-40c3-ab66-2ee6bc89fb99": "What scenarios are included in the Corporation's estimate for allowance for credit losses as of December 31, 2023?", "86d35730-00dd-46e8-9691-e4c6e2b9ba1e": "What was the primary driver for the increase in the allowance for credit losses related to the consumer portfolio?", "5f51e4ad-06d0-4501-b050-3503b6a81b39": "How does the Corporation's weighted economic outlook for unemployment rate project through the fourth quarter of 2025?", "ff7c3f0a-aa30-4caa-adbd-a85874a8a0e2": "What impact did the accounting change regarding TDRs have on the allowance for credit losses on January 1, 2023?", "b2898855-40ba-481a-9a75-4b3f18420c00": "What was the provision for credit losses expense in 2023 compared to 2022 and 2021?", "26602205-0bf1-4519-abc3-3bc90190709b": "Which portfolio experienced a reserve release due to improved macroeconomic conditions, and by how much?", "31474f0c-965b-4b43-953c-5d4619e9f336": "What was the total increase in outstanding loans and leases in 2023, and what segments contributed to this increase?", "c03e993d-9dc3-4433-b936-0accf22fe06f": "How did the Corporation's commercial portfolio perform in terms of reserve changes compared to the consumer portfolio?", "72d9e40f-f385-461d-8b01-ded09981b064": "What was the total allowance for loan and lease losses as of December 31, 2023, for all consumer categories combined?", "6033b961-3ee1-47fe-a196-b90d02ac71b6": "How did the allowance for loan and lease losses change from January 1, 2023, to December 31, 2023, for the Real Estate category?", "830f97fa-25f7-4bf4-9773-3edacabde73f": "What were the net charge-offs for the Commercial category in 2023?", "792dc530-7523-4163-8c11-c8dcae4215af": "How much was the provision for loan and lease losses for the Consumer category in 2023?", "6b4cf455-0696-4ca5-b56d-b2e587c0799f": "What was the reserve for unfunded lending commitments as of December 31, 2022, for the Other Consumer category?", "65f1f4dc-d934-4f68-afb8-6f083b7e4302": "How did the recoveries of loans and leases previously charged off compare between the Consumer and Real Estate categories in 2023?", "601a1e31-5bfd-439a-9208-8e6e5db9ebb1": "What was the total allowance for credit losses at the end of 2023 across all categories?", "9c7f8cb5-f7c7-4eb7-98d6-218bc8f93899": "What adjustments were made to the reserve for unfunded lending commitments from January 1, 2023, to December 31, 2023, for the Commercial category?", "316fb566-b713-491e-93dd-fb5a4eb7f5a7": "How did the allowance for loan and lease losses for the Other Consumer category change from January 1, 2022, to December 31, 2022?", "ddb066a8-681c-4898-b428-e26cd15d494b": "What was the total amount charged off for loans and leases in the Real Estate category during 2023?", "dee69f6a-cc9f-4b9d-921a-0bafc3986eb2": "What was the allowance for loan and lease losses as of December 31, 2023?", "84efc967-8d76-4529-9ba6-a69b76230ea4": "How much was the provision for unfunded lending commitments in the year 2021?", "fd863534-582c-4fc9-89ad-ce96964d6bcb": "What is the purpose of utilizing Variable Interest Entities (VIEs) according to the document?", "c3bf701e-f294-4865-8800-af588c68c1ed": "What was the net charge-offs for loans and leases in the year 2021?", "5e7765f6-929e-4b72-8274-cbe272473020": "How does the Corporation isolate assets from its creditors when using VIEs?", "9c78865a-efa9-4b75-8df5-f92cc815e43d": "What was the reserve for unfunded lending commitments on January 1, 2021?", "fd705788-b981-4455-97dd-1f811aa7a575": "What does the Corporation's maximum loss exposure include when assessing its involvement with VIEs?", "c41bfb4f-0263-48d0-92f4-3d98717fb456": "How much did the allowance for credit losses total on December 31, 2023?", "6906f531-6de4-49b1-96c1-e93cde43f40e": "What types of entities does the Corporation administer or invest in, as mentioned in the document?", "efb2b7ff-9f44-43cc-8c51-3cef6e1c0d53": "What was the change in the allowance for loan and lease losses from January 1, 2021, to December 31, 2021?", "3f29b752-85aa-497e-92e8-a68746e2ec8e": "What is the maximum loss exposure of the Corporation at December 31, 2023, related to its involvement with consolidated VIEs and unconsolidated VIEs?", "ed52c4c0-3844-4450-b471-9f5aae114656": "How does the Corporation's maximum loss exposure account for potential losses associated with off-balance sheet commitments?", "7d62f70f-aef9-4d31-b1e6-83055a471dbb": "What types of investments does the Corporation make in relation to third-party VIEs?", "81d4a9b6-728b-4c37-a5f4-cbc2c08029e0": "Are losses previously recognized through write-downs of assets included in the Corporation's maximum loss exposure?", "f956a07b-fefc-489d-a2db-08ec566bff02": "What is the nature of the Corporation's involvement with VIEs when investing in ABS and CLOs?", "4af5a693-92e8-4485-afcc-3ae58ab1ebcb": "Did the Corporation provide any financial support to consolidated or unconsolidated VIEs during the years 2023 and 2022?", "7f5a327e-7a41-4a52-99f0-06bd1a1233c3": "In which notes of the financial statements can the Corporation's securities and loans related to VIEs be found?", "fe1cbdc6-105b-4a47-b37f-18041d4dba85": "What types of commercial lending arrangements does the Corporation enter into that may involve VIEs?", "2ea448d1-30d3-47bf-986b-1b90fb3e81b3": "What is the Corporation's maximum loss exposure to VIEs in terms of investment balances?", "21ac0c74-db12-47c1-909f-7cafd84533c1": "What does the term \"VIE\" stand for in the context of the Corporation's financial activities?", "a4403e05-6816-47cc-b62a-c7ab732a6614": "What are the liquidity commitments of the Corporation with certain unconsolidated VIEs as of December 31, 2023?", "6c9926db-1e2b-473d-ae64-f8b8ca4f0eff": "What types of securities does the Corporation typically receive in exchange for transferring residential mortgage loans to securitizations?", "afa9b566-6b79-41ad-8dad-f884d23e2e53": "How much did the Corporation recognize in gains on securitizations for the year 2023?", "c705ac87-52dd-4826-ac7a-c531fa1e6661": "What is the total unpaid principal balance of loans serviced for investors at December 31, 2023?", "aa17b89d-50c0-4883-993c-ebe2fec5bc32": "What options does the Corporation have regarding repurchasing delinquent loans from securitization trusts?", "69cc3b45-a947-4136-876a-cd67b04b5503": "How much servicing fee and ancillary fee income did the Corporation earn during 2022?", "e0dbf254-54b8-410d-a571-296f616daab9": "What classification level do the majority of the residential mortgage-backed securities fall under within the fair value hierarchy?", "269072e1-e96b-4a54-8373-cd774dd09165": "What was the amount of servicing advances on serviced loans at December 31, 2022?", "2ad6fd86-cfe4-42d4-af7f-0a1de9f3087a": "How does the Corporation account for the majority of first-lien residential mortgage loans that are securitized?", "6324f1f0-6034-4e5b-9782-152c6b8956ee": "What were the proceeds from loan sales for commercial mortgages in 2023?", "2ccaeb18-e130-4a3c-bed2-f285c0cac57c": "What types of loans are included in the repurchased loans mentioned in the document?", "8ab5d8dd-12ab-4ef2-957e-55174a15cd1d": "What was the total unpaid principal balance of loans serviced for investors as of December 31, 2023?", "6e6214f6-3f19-4b46-bc30-889e46b92699": "How much did the servicing fee and ancillary fee income on serviced loans amount to in 2022?", "a61eca9f-08be-426e-8dbf-914eb5f22f6d": "What are the servicing advances on serviced loans reported at December 31, 2022?", "991c86ec-546c-4ace-b46f-ab1134e8e829": "What obligations does the Corporation have regarding home equity securitization trusts during a rapid amortization event?", "263b00bd-5079-4472-a50d-ce01f093e28b": "How much total assets were deconsolidated from agency residential mortgage securitization trusts in 2023?", "b644f00f-1ce2-4f40-8abe-7107b8b6604d": "What is the significance of the maximum loss exposure mentioned in relation to home equity loans?", "cfbd16f6-7dd4-403c-9833-e38375a9941e": "How did the total assets of deconsolidated agency residential mortgage securitization trusts change from 2022 to 2023?", "02730afd-e88a-48cd-8ec2-e432c90a95f9": "What types of loans does the Corporation recognize consumer MSRs from?", "067817bf-83d7-4886-85dd-cde32a59a6d8": "What information can be found in Note 20 regarding the Corporation's financial reporting?", "90e3e447-9e17-476b-bb62-180055c3f5b3": "What is the maximum loss exposure for unconsolidated VIEs in the residential mortgage category as of December 31, 2023?", "04867a8c-db3b-4cd3-8efc-968b83e4c61b": "How do the principal balances outstanding for agency and non-agency residential mortgages compare between 2022 and 2023?", "d7544552-18ae-4384-934d-0250e8a59e5b": "What are the total retained positions for home equity securities as of December 31, 2023?", "30b1b867-f085-4b18-ae4c-9967787529a7": "What is the value of on-balance sheet assets for consolidated VIEs as of December 31, 2023?", "105e05ea-2ef5-4f00-9402-988b2d52325d": "How much did the debt securities carried at fair value change from 2022 to 2023 for unconsolidated VIEs?", "be76c884-0b76-466e-a64f-927203a82600": "What is the principal balance outstanding for commercial mortgages as of December 31, 2023?", "db8a6e8b-1ab8-4602-9b82-0f925491340d": "What are the trading account assets for unconsolidated VIEs in the residential mortgage category for the year 2023?", "52615089-aba4-4062-80b6-bcd8449a0a77": "How does the maximum loss exposure for consolidated VIEs compare to that of unconsolidated VIEs in the home equity category?", "17d6deeb-8185-4993-b396-ae035cf94ab2": "What was the total amount of held-to-maturity securities for unconsolidated VIEs in 2023?", "07c01767-2693-4aa0-b18e-8c86c0603215": "What is the difference in maximum loss exposure for subprime residential mortgages between 2022 and 2023?", "f761d3fe-1578-4e91-a240-351e1cf49f75": "What is the total amount of loans and leases reported in the document as of December 31, 2023?", "bddc5118-c50e-442b-bfcf-681da2557d19": "How does the Corporation's maximum loss exposure relate to non-agency residential mortgage and commercial mortgage securitizations?", "495db9c9-d00a-464b-9f1f-2a23365b1114": "What are the carrying values of the receivables in the trusts for credit card and automobile loan securitizations as of December 31, 2023?", "efa8d5cd-1f46-4ed1-a8cb-7633a7dc6e15": "What types of securities are typically transferred into resecuritization VIEs by the Corporation?", "40e6c06e-445c-4e0b-8d86-1fb00858bf9a": "How much securities did the Corporation resecuritize in 2023, and how does this compare to the amounts in 2022 and 2021?", "5f70333d-0cb7-4a16-96f0-9507060dd666": "What is excluded from the maximum loss exposure calculation according to the document?", "1c874f66-ba77-44c0-a095-34dc0f25b71c": "What role does the Corporation play in the ongoing securitization trusts for credit card and automobile loans?", "e707eb71-b9e9-48e4-88c3-9b1a4f564443": "What was the total carrying value of senior debt securities issued to third-party investors from the trusts as of December 31, 2023?", "a36c0bd2-9da3-4d32-b8df-b8a713aec394": "What information is referenced in Note 12 and Note 20 regarding commitments and contingencies and fair value measurements?", "4ee16a8a-86a6-4e47-8f68-c38226fe36e8": "How does the Corporation's involvement with securitization VIEs differ between consolidated and unconsolidated home equity loan VIEs?", "d2c74df5-a17c-4470-b0a7-26b294e8c774": "What types of securities are typically transferred into resecuritization VIEs by the Corporation?", "35654f39-0451-4f8a-838e-e8a91ac9f6fe": "How much securities did the Corporation resecuritize in 2023?", "3727b732-3c0e-4808-b56b-b2ed7cab9aa4": "What is the Corporation's maximum loss exposure to consolidated customer VIEs as of December 31, 2023?", "7cb94c67-a093-4ee6-923e-b2ae18d78970": "What are the characteristics of the municipal bond trusts administered by the Corporation?", "01819e02-2c9f-4df2-921e-4a7f933748a5": "How are securities received from resecuritization VIEs recognized in the Corporation's financial statements?", "a47e4fdd-ea17-494a-9ffd-3fa6a3246d5f": "What was the total liquidity commitment of the Corporation to unconsolidated municipal bond trusts at the end of 2022?", "1cdf6ac0-c34d-45e8-9808-7a99c89438d8": "What types of customer VIEs are mentioned in the document?", "39a4a682-5b43-4620-9eac-9686d16d97f6": "How are the trading account securities categorized within the fair value hierarchy?", "eeca0034-fbe4-462a-a4be-101d63efde36": "What was the fair value of securities received from resecuritization VIEs in 2021?", "9d1ff131-920c-4daa-bc49-647c675e2403": "What role does the Corporation play in the customer VIEs mentioned in the document?", "0944859d-1ae0-4166-bbec-0ba72ee6b1a2": "What was the average life of bonds held in the trusts as of December 31, 2023?", "bbf30b79-168d-48b4-bd80-9ccce31db0c2": "How much was the Corporation's maximum loss exposure to consolidated and unconsolidated Collateralized Debt Obligation VIEs at the end of 2023?", "53176167-f144-41d3-929a-6f44e545cb77": "What types of financial instruments do Investment VIEs typically hold?", "14d42eac-dd74-412f-aec3-ff8445a83292": "What was the total asset value of the Corporation\u2019s consolidated investment VIEs at December 31, 2023?", "2c9495b7-b9c7-4417-839d-72e74200edc1": "What is the significance of the Corporation's net investment in consolidated leveraged lease trusts as of December 31, 2023?", "f48a118a-9fe9-4b0f-8d2c-41a3df78174f": "How does the debt issued by leveraged lease trusts relate to the Corporation's financial exposure?", "1394865a-df61-4081-92c7-0242b5f74dcb": "What was the maximum loss exposure associated with other asset-backed VIEs at December 31, 2023?", "fd5dfa1e-59a8-4632-a777-27612e8bbba2": "What types of trusts are included under the category of \"Other Asset-backed VIEs\"?", "0d3cda94-8a13-4497-af96-1ad8d915dd13": "How did the total assets of unconsolidated VIEs change from 2022 to 2023?", "5834174d-e833-4166-a5ad-5dd56e6ef248": "What types of securities are included in the on-balance sheet assets of the Corporation as of December 31, 2023?", "1d268f61-2694-4ac3-8f57-97cfba96f59b": "What is the total amount of on-balance sheet assets reported in the document for the year ending December 31, 2023?", "3605531a-72c8-4276-b033-eedad3813b73": "How much is the maximum loss exposure for consolidated VIEs as stated in the document?", "df279850-0f1f-43f3-bde8-b44c9ca167c3": "What are the amounts reported for debt securities carried at fair value for the years 2023 and 2022?", "87aa33b3-8e7b-4a9c-8cb5-4c74f8b51208": "What is the allowance for loan and lease losses for the year ending December 31, 2023?", "2884b2e1-be34-44be-ab3d-bd8dc1b536be": "How do the total assets of VIEs compare between the years 2023 and 2022 according to the document?", "b4397c68-3faa-4499-8ee3-0b9a721aa738": "What is the reported value of short-term borrowings as of December 31, 2023?", "3d63e773-28cc-405e-bc96-9c36e63b24ea": "How much did the total liabilities amount to for the year ending December 31, 2022?", "fbed23c8-1bdd-44bc-96cf-2b030cbd4cff": "What is the value of held-to-maturity securities reported for the year ending December 31, 2023?", "4d390912-929f-4aeb-b8f8-e2db90869b9e": "What are the total retained positions reported for the year ending December 31, 2022?", "4ad4289f-f254-4da2-9372-9639533a9153": "How much is reported under \"All other assets\" for the year ending December 31, 2023?", "98ceac57-abcb-4b35-a4de-bca58dc0b213": "What is the total amount of short-term borrowings reported in the document?", "9c257251-1b6d-47df-842d-cfb575f63ff9": "As of December 31, 2023, what was the value of loans and leases in the consolidated credit card trust?", "a1e4708f-c788-48db-9a0a-bff488a301ca": "How are the retained senior securities valued according to the document?", "f2a6fc97-088d-4365-b872-4a6b1b5c974b": "What are the total assets of the unconsolidated tax credit VIEs as of December 31, 2022?", "eb8b79d7-f40b-4918-9ba0-bfad9fb74bdb": "Who typically acts as the general partner or managing member of the tax credit VIEs mentioned in the document?", "ae3b2460-034e-4e03-bcf4-00fbe178335c": "How are tax credits from investments in affordable housing recognized in the Corporation\u2019s financial statements?", "7e9f847e-0a77-44be-9286-cce0b124ef77": "What is the total liabilities amount reported in the document?", "91b3e70a-174a-4a67-a905-b1246b0ed42a": "What type of projects do the Corporation's equity investments in unconsolidated limited partnerships focus on?", "60ba8c0f-14d5-455f-939c-08aeff10f9c1": "How are tax credits from renewable energy investments recognized according to the document?", "59efaf44-1c4d-409e-9a46-6e3b62197f2a": "What is the significance of the U.S. Internal Revenue Code in relation to the Corporation's tax credit investments?", "4348e170-2bf6-463d-924c-6e2fa3f9f34c": "What was the total amount of the Corporation's equity investments in affordable housing at December 31, 2023?", "8a4936bf-11ff-4c3b-bfa8-f5d6e6e6bc49": "How much did the Corporation recognize in tax credits and other tax benefits related to renewable energy equity investments in 2022?", "a7c07cda-0d83-4679-aead-9bbdba47e2f4": "What is the maximum loss exposure for the unconsolidated tax credit VIEs as of December 31, 2023?", "390e1b0f-64d4-427b-bab7-f5678060b94b": "How much in unfunded capital contributions for renewable energy investments did the Corporation report at December 31, 2022?", "2abfaeab-18d6-407c-b374-3ec56dea376a": "What was the pretax loss reported by the Corporation in other income for the year 2021?", "ccb96a9a-cacc-433c-b714-ecf7400a99f2": "How does the Corporation mitigate its risk of loss related to its investments in tax credit projects?", "21b47b1d-35e4-41c9-b161-6a1862770b6e": "What was the total goodwill balance reported by the Corporation as of December 31, 2023?", "3245b263-1c08-435a-a84f-2ce93028f546": "Which business segment had the highest goodwill balance at December 31, 2023?", "d5bc4c2c-13bf-4976-8f6c-b319b93ea4e9": "Did the Corporation experience any goodwill impairment based on its annual test conducted on June 30, 2023?", "6c71ddc1-572b-45f8-9918-286d9e006bbe": "What were the total assets of the unconsolidated tax credit VIEs as of December 31, 2023?", "d5bc1827-d69b-43da-8c6d-1854f2442012": "What was the total goodwill reported by the Corporation as of December 31, 2023?", "8ef1e30d-a6aa-4ca0-9d39-190d52ff37db": "How much did the Corporation's intangible assets decrease from 2022 to 2023?", "c1f6263e-5a01-49cb-861e-cb9513a09f93": "What was the amortization expense for intangible assets in 2023?", "0b2d1e73-b712-4a85-b193-7d4c2fa84271": "What types of leases does the Corporation primarily engage in as a lessor?", "bf39f426-212c-444e-97db-a2067391a213": "How much was the total net investment in sales-type and direct financing leases at December 31, 2023?", "3f7de3dd-d91d-4925-9e3d-3b3face2f2c0": "What was the lease income from operating leases in 2023?", "9af47174-1b14-4be1-bc8a-627ac28464db": "Did the Corporation identify any goodwill impairment during its annual test as of June 30, 2023?", "6da13a88-8d25-4de1-bca4-4a83ba867f7d": "What is the carrying value of residual assets with third-party residual value insurance as of December 31, 2023?", "049968fb-f058-47e2-bcfe-d828fc80b61c": "What types of arrangements does the Corporation have as a lessee?", "a5c3db16-3fd6-4164-926d-2f4c064abaf2": "How much did the Corporation earn in total lease income in 2023?", "39783ec6-d48e-404e-849a-bd691f4d2c69": "What were the right-of-use assets reported at December 31, 2023, and how do they compare to those reported in 2022?", "83859de6-d0bc-441b-8785-f4963e9b3bbd": "What is the weighted-average discount rate used to calculate the present value of future minimum lease payments for the year ending December 31, 2023?", "60ec2d66-f5d4-43d0-8573-a61e0c41d290": "How much lease cost was incurred in 2023, and how does it compare to the lease cost in 2022?", "64d85c1e-dc65-4f86-9fcf-a92340a41d1b": "What are the total undiscounted cash flows for lessee arrangements as of December 31, 2023?", "ca2b20cc-7252-423b-ad07-7d88dd7b0f82": "How much in operating cash flows from operating leases was reported for the year ending December 31, 2023?", "cfc28deb-5268-4057-b007-230b9672bd3e": "What is the maturity analysis for operating leases in 2024, according to the document?", "de9723b1-5b19-4ff4-88a3-1eea7fb595e5": "How much in right-of-use assets was obtained in exchange for new operating lease liabilities in 2023?", "0f634ccc-e31f-4e5e-a093-3a3b5057ae8e": "What is the total time deposits due in 2024, as reported in the document?", "5ec3f91b-2c2d-4375-9548-367587feb042": "What amount of lease liabilities was reported at December 31, 2023, and how does it compare to the previous year?", "c169dc99-6c2c-45ee-9d30-5df1baf8aba7": "What is the total amount of commercial lease financing receivables included in the document?", "21c974fe-3afa-4e21-bcf3-761fe78febb7": "What is the total amount of U.S. time deposits due in 2024 according to the document?", "cf84a6e3-2bfe-4a5b-95d1-135100ee687f": "How much are the non-U.S. time deposits due in 2028?", "89b9d838-f6d7-4d3d-aa72-eca90cebf517": "What is the total value of time deposits listed in the document?", "8ea68913-7595-4c71-a016-685cc46082f5": "As of December 31, 2023, what were the aggregate U.S. time deposits that met or exceeded insurance limits?", "28d2b5bd-94e5-44bc-b401-b2eda928edee": "How many years are covered in the contractual maturities of total time deposits presented in the document?", "d5782263-2a51-4f3c-b2ad-fc83ea4ce8ff": "What is the amount of time deposits due in 2026, both U.S. and non-U.S. combined?", "2bba1243-cb42-40ac-8027-ba3e68e06eb0": "What was the amount of non-U.S. time deposits in 2022 that met or exceeded insurance limits?", "7de72351-f2e2-4878-a63e-f816e208a674": "How does the amount of U.S. time deposits due in 2025 compare to those due in 2024?", "19d11539-41ed-4a42-a3e4-e472f91d385a": "What is the total amount of time deposits due thereafter, as stated in the document?", "1eabde9e-9248-475d-a345-528188735c1a": "Which bank is associated with the provided data on contractual maturities of total time deposits?", "94df91dd-cfbc-4d3c-9da4-8bc1f622a83a": "What types of securities financing agreements does the Corporation engage in according to the document?", "7586ba6d-abd2-4c31-9bab-d4c364733ddf": "How does the Corporation account for certain securities financing agreements?", "a3e1704e-badc-46cc-b383-4898ff9791ef": "What is the significance of legally enforceable master repurchase agreements in the Corporation's securities financing activities?", "d5053c4c-d92e-4c07-ab2a-8a7a8245cb34": "What are the gross assets and liabilities related to securities borrowed or purchased under agreements to resell as of December 31, 2023?", "867f404d-b249-4554-a9c3-f3865bcfbb3f": "How does the Corporation handle offsetting of securities financing transactions on the Consolidated Balance Sheet?", "7225a676-c483-41be-bcdd-c3491f924cd5": "What was the net balance sheet amount for securities loaned or sold under agreements to repurchase on December 31, 2022?", "2be96c86-37ae-46cd-9644-d059d33ef9d9": "What information is provided about the enforceability of certain master netting agreements under bankruptcy laws?", "5c074f3e-3536-48f3-8778-3db129b6bd96": "What total amount of securities financing agreements is reported for December 31, 2023?", "5b4f8e17-61af-4ebc-99f1-65d79ed29d5d": "How are amounts related to securities collateral received or pledged under repurchase or securities lending agreements treated in the financial statements?", "87fa7868-ca75-4425-9106-bc4d03511a4f": "What changes in gross assets and liabilities can be observed from December 31, 2022, to December 31, 2023, for securities borrowed or purchased under agreements to resell?", "0b54f539-a17d-4d34-b96e-19f060543db6": "What types of agreements are included in the securities collateral mentioned in the document?", "3563a9dc-822d-4444-bb1a-1c452bb780b0": "How are securities collateral amounts treated on the Consolidated Balance Sheet according to the document?", "589f70d8-2417-4f4f-82f7-0b6f6ede6185": "What is the total amount of securities sold under agreements to repurchase as of December 31, 2023?", "a8b53550-320a-4383-8b82-ec49fb94dac1": "What is excluded from the table regarding securities collateral received or pledged?", "ef0fd546-dbd6-4740-bc71-6807beb16a74": "How does the Corporation recognize assets and liabilities in securities lending agreements?", "fa58df2d-fed7-4220-bbcd-3e9e4d44506b": "What is the total amount of securities loaned as of December 31, 2022?", "157aacdf-d466-47b7-a22c-0530612b7f81": "What is the significance of the legal enforceability of master netting agreements in the context of this document?", "273ac627-a157-40d0-83ee-0ef51c978d37": "How are transactions with a right to substitute collateral classified in the provided tables?", "7d037c7c-df7f-4612-a4f0-37e40abd9fe5": "What is the total amount of repurchase activity reported in loans and leases for December 31, 2023 and 2022?", "34aba48d-834f-45d1-b627-7e85d692b99a": "What is the maximum maturity period for agreements mentioned in the document?", "4b7b9696-711d-4788-b4d5-291700b96f4c": "What was the total value of collateral pledged by the Corporation as of December 31, 2023?", "b8407574-bb33-46b2-a848-5fe177904ac5": "How does the Corporation manage liquidity risks related to repurchase agreements and securities loaned transactions?", "a614dd6e-b77c-49c5-b7dd-49b282e21ef3": "What types of collateral does the Corporation accept for short-term borrowings?", "5b44723f-436a-4ffe-9d2b-ebc8c86ade39": "What was the fair value of collateral accepted by the Corporation at December 31, 2022?", "aef7410e-4275-443e-8846-727bd03e074f": "What are the primary sources of collateral for the Corporation as mentioned in the document?", "6873f816-d304-4b32-8201-4e52803c910c": "How much of the collateral was sold or repledged by the Corporation at the end of 2023?", "f30f8377-0ad6-432d-bf50-b6eb4695ae6f": "What types of securities are included in the U.S. government and agency securities category as of December 31, 2023?", "238c5ee5-d124-4c76-a6e4-d5debdb7cddc": "What is the significance of the Federal Home Loan Bank advances in the Corporation's short-term borrowings?", "f91e3ac7-d391-4b8a-87ac-ec5e7d78d2da": "What types of transactions does the Corporation engage in that involve pledging company-owned securities as collateral?", "585545a0-fdef-4178-b2c6-5b34bd0aabbb": "How does the Corporation determine whether the market value of the underlying collateral remains sufficient?", "4013c964-2372-476a-8b96-bad5eb190477": "What types of collateral does the Corporation use in its transactions, as mentioned in the document?", "e9cfb8f9-71a6-4ea8-b8ac-ce7ecb193742": "How does the Corporation handle collateral in relation to its derivative contracts?", "ceacdb4d-1990-4838-bd7d-8c704c71484d": "What is the amount of restricted cash held by the Corporation as of December 31, 2023?", "6c005a0a-e45c-4fb1-bb1d-49edae8de23e": "What are the primary sources of collateral for the Corporation, according to the document?", "cf6f4b97-71eb-43dd-b2c3-9bc136132eb8": "How does the Corporation's collateral for consolidated VIEs differ from its other collateral arrangements?", "4c3dafdf-984e-4d39-b82e-0a6717a99803": "What types of securities does the Corporation accept as collateral based on credit risk ratings?", "cd3d5bc9-f2b6-4bc7-a121-6ae22c8609ca": "What is the purpose of the restricted cash held by the Corporation, as described in the document?", "6d342e25-78e6-40af-a1fb-d9615451d62c": "How does the Corporation manage cash collateral received against derivative assets?", "6a81c750-c8d9-4a80-b0de-40d51a79beb7": "What is the significance of the cash held on deposit with central banks for the Corporation?", "35133e07-62aa-4122-bee3-b0b5900516e9": "In what ways can the collateral pledged by the Corporation be utilized by counterparties in transactions?", "61aed9a4-d28b-450e-9044-6cbe94cdaf8c": "What is the total balance of long-term debt for Bank of America Corporation as of December 31, 2023?", "7360a257-914f-4305-b861-30d0c27fa6a8": "What are the maturity dates for the fixed-rate senior notes issued by Bank of America Corporation?", "501ad813-dae9-4e23-8227-a7c79bdb0421": "How much long-term debt is represented by junior subordinated notes as of December 31, 2023?", "ffaff525-ef4b-4350-a3b8-a6c261101f25": "What is the weighted-average interest rate for floating-rate subordinated notes issued by Bank of America Corporation in 2023?", "882115fd-8545-4954-b96d-4ed30280c61b": "How does the total long-term debt of Bank of America Corporation in 2023 compare to that in 2022?", "e0edb311-c25e-440c-bdd2-6e7054e14fa3": "What types of notes are included in the total long-term debt of Bank of America, N.A.?", "00ab789b-c91d-4914-bb66-7e41f01ab89c": "What is the total amount of structured liabilities reported under other debt as of December 31, 2023?", "c8fea3d6-4bad-40f7-a48d-2603ff134d4b": "Which category of long-term debt has the highest weighted-average interest rate as of December 31, 2023?", "4aca0b71-2935-4382-9d1c-ed6798a7728e": "What is the significance of the total loss-absorbing capacity compliant debt mentioned in the document?", "c4e03d74-137f-4894-8c2a-d20c0462f26f": "How much long-term debt is associated with nonbank VIEs as of December 31, 2023?", "6fff7b6c-2603-4cf5-9b18-b0d61697a756": "What was the total long-term debt of Bank of America Corporation as of December 31, 2023?", "3d41a400-cb42-4dec-be5b-7ba7b2f723a3": "How much long-term debt was issued by Bank of America, N.A. during 2023?", "3059df6d-e37c-42e3-8ae1-0874cfd9ab35": "What are the weighted-average effective interest rates for total fixed-rate debt and total floating-rate debt at December 31, 2023?", "ecc99fda-a5eb-4710-8cf7-a66c12920b9f": "What types of debt programs do Bank of America Corporation and Bank of America, N.A. maintain?", "9b9f3a2a-48fc-4854-954f-ec0b6676195f": "What was the total amount of long-term debt maturities and redemptions for Bank of America Corporation in 2022?", "083ea386-bb26-42ca-a765-04b75d2c509d": "How much foreign currency-denominated debt was included in total long-term debt at December 31, 2023?", "d36f75dc-be23-4488-a5d4-eabab3d654db": "What is the significance of the debt issued by BofA Finance LLC in relation to Bank of America Corporation?", "21e6ae83-47ae-4e1c-a42e-266b972cc036": "What strategies does the Corporation employ to manage interest rate risk?", "0fc6e74b-fda0-4d6e-8929-33f02ad36c92": "How much long-term debt was issued by Bank of America Corporation in 2022?", "9917ef89-cb70-47a9-bbea-10b164fde1d0": "What types of liabilities are included in the total long-term debt reported by Bank of America?", "d58436eb-a415-4157-899d-c6e99413f093": "What is the primary goal of the Corporation's interest rate risk management strategy?", "0f2bc06f-8a3b-473e-8154-2afb39a77dcb": "How does the Corporation manage fluctuations in earnings caused by interest rate volatility?", "4f513c31-12c6-4dff-aa7c-3f2f35d56961": "What types of structured notes are mentioned in the document, and what unique features do they have?", "5161fe15-67fb-407d-a388-7f963871ed2c": "As of December 31, 2023, what is the carrying value for aggregate annual contractual maturities of long-term debt for the Corporation?", "c2872f8e-4f77-48e6-96c8-cb94ba47fad3": "What are put options in the context of the Corporation's structured notes?", "c5806c51-4f71-4b00-8862-cb8b5eb1ab7f": "How do the contractual interest rates on the Corporation's debt relate to derivative transactions?", "1613244b-acf4-4c14-aa8a-bc48fce3fed4": "What may trigger the acceleration of maturity for certain structured notes issued by the Corporation?", "f5980a64-4f9d-44a2-b8e8-dfd4693ee0e9": "How does the Corporation reflect its borrowings in the table regarding their maturity dates?", "349396c1-7286-495e-90a5-aebd4ec38669": "What is the significance of managing interest rate sensitivity for the Corporation's earnings and capital?", "ded35312-2ed6-4095-9365-dc345a1981f3": "Which financial institution is specifically mentioned in the document, and what is its associated value?", "1b2a5d0d-99a0-43de-81e1-e28843737607": "What is the total long-term debt reported by Bank of America Corporation as of December 31, 2023?", "adc2955b-23a3-45e0-89db-8167edabcbd9": "How much in senior structured notes does Bank of America Corporation have maturing in 2028?", "ddaadf12-0590-4578-a309-52059bdbc5e3": "What are the different categories of long-term debt listed for Bank of America, N.A.?", "43606222-4921-4533-86e7-d3adfcaea69b": "What is the carrying value of the Corporation\u2019s credit extension commitments at December 31, 2023?", "2cf0a455-7e9d-4b9e-9ffb-e12b70d1eec6": "How much in subordinated notes does Bank of America Corporation have maturing in 2026?", "f1790907-e0f1-4647-ac6e-0dc0c5ff0882": "What is the total amount of advances from Federal Home Loan Banks reported by Bank of America, N.A.?", "acf4b76e-6e25-4ac9-90ed-4277d1919264": "What are the implications of the off-balance sheet commitments mentioned in the document?", "ca7f7bd7-ef5e-441b-9d08-20e44ce9d2dd": "How much in total long-term debt is attributed to other debt, including structured liabilities and nonbank VIEs?", "4189cb3b-dfe0-48fa-a03b-40c646c3b63f": "What was the distributed amount of credit extension commitments to other financial institutions at December 31, 2022?", "63a8d8d7-ca0d-4c1e-b091-194e96cf3d52": "What types of risks are associated with the Corporation's off-balance sheet commitments?", "706dff78-c60d-4f9f-9eab-b6b3ce659eb0": "What was the distributed amount of legally binding lending commitments to other financial institutions at December 31, 2023?", "b14d53a1-ca83-42c3-b5d3-600afdd2b402": "How much did the carrying value of the Corporation's credit extension commitments amount to at December 31, 2022?", "0cb7c1dd-b29a-4094-93b2-62b50d14cb8e": "What classification is used for the carrying value of the Corporation's commitments on the Consolidated Balance Sheet?", "b55e1ecb-5325-4799-bd75-93a627f81f6a": "What are adverse change clauses designed to protect against in legally binding commitments to extend credit?", "70d1ad30-ff74-49ec-8c53-e46c497a89ae": "What was the notional amount of commitments accounted for under the fair value option at December 31, 2023?", "d2b718a8-1c86-4883-a2bb-da9e2fdf909a": "How does the cumulative net fair value for commitments accounted for under the fair value option compare between December 31, 2023, and 2022?", "bde3e025-281c-46e1-afe5-ad1c00bed482": "What is the significance of the reserve for unfunded lending commitments mentioned in the document?", "a46d348b-027e-4a0f-9838-c24475290101": "What type of financial commitments are primarily discussed in the document?", "0c52fb3c-8d33-4cff-a0de-797aa1c6e62b": "Where can one find more information regarding the Corporation's loan commitments accounted for under the fair value option?", "ddf9730a-0565-4f2c-8e5c-521ec34f11ad": "What was the carrying value of the Corporation\u2019s credit extension commitments at December 31, 2023, excluding commitments accounted for under the fair value option?", "af0e9555-2cbf-4955-a469-e5e4daebf00c": "What is the total notional amount of credit extension commitments reported as of December 31, 2023?", "c0a0894b-0d89-45dd-96ee-b6a1cc9a2bcd": "How much in loan commitments was held in the form of a security at December 31, 2023?", "9122f8f6-089e-4091-8723-1b974d47dc97": "What are the amounts of standby letters of credit and financial guarantees classified as investment grade and non-investment grade at December 31, 2023?", "a307f578-1bc4-44f2-8291-31af6738c9e0": "What is the total amount of home equity lines of credit that expired after five years as of December 31, 2023?", "0d7472fb-0355-4bd2-8d23-0cabc6630bdd": "How do the total credit extension commitments for December 31, 2022, compare to those for December 31, 2023?", "82b4dce7-6b42-41cd-9e10-b82e93864814": "What commitments did the Corporation have to purchase loans at December 31, 2023, and how do they differ from those at December 31, 2022?", "dd0d1b45-722b-4154-be6b-54f9ef09910f": "What is the notional amount of letters of credit that expired in one year or less as of December 31, 2023?", "fe90e5e4-124b-400c-9b79-22342b4deb22": "How much in consumer standby letters of credit (SBLCs) was reported at December 31, 2022?", "c1521f2a-d395-465a-8d4d-fd231d40ffa3": "What is the total amount of legally binding commitments that expired after three years as of December 31, 2023?", "9f7359c7-f855-49ae-8044-29811a90b219": "What types of commitments are included in the \"Other Commitments\" category as of December 31, 2023?", "859e4030-6f5d-49c5-bca3-0c2da7c9ec04": "What was the total amount of consumer SBLCs reported by the Corporation at December 31, 2023?", "fbade88c-71a1-40ce-8603-30250900708a": "How much did the Corporation commit to purchase loans, including residential mortgage and commercial real estate, at December 31, 2022?", "1896f566-02ea-4154-9c4a-35660b568a8c": "What is the maximum exposure related to bank-owned life insurance book value protection guarantees as of December 31, 2023?", "a6d35af4-3eef-4d30-94e1-1d85a33e7689": "What is the duration of the Corporation's commitment to originate or purchase auto loans and leases from a strategic partner?", "c9e968ec-0cf5-45dc-a887-62b3a6d5c719": "At December 31, 2023, how much did the Corporation have in unfunded equity investment commitments?", "115aa417-8717-4239-a20f-9544bb65e89a": "What is the total amount of commitments to enter into resale and forward-dated resale agreements as of December 31, 2022?", "72af1e27-d4ba-40fb-a2e0-c6fe1d727a41": "How does the Corporation assess the probability of making payments under indemnification agreements in the future?", "ffb4d7b0-4e34-4615-a303-bdfc4f191595": "What is the estimated maturity range for the Corporation's maximum exposure related to bank-owned life insurance guarantees?", "dc2abfbe-82bf-4129-9daa-42f0358376c8": "How much did the Corporation pay for half of its subscribed shares issued by its Federal Reserve district bank at both December 31, 2023, and 2022?", "f7d82344-c8f3-44f9-bc6d-f9e4cd33ab54": "What portion of the Corporation's commitments to purchase commercial loans will be included in trading account assets upon settlement?", "25c87d3d-eb0f-459f-b7b1-686cd4031a9d": "What is the Corporation's potential liability regarding reversed charges in merchant services due to merchant fraud or insolvency?", "9a3fe4e5-46fd-44af-b4ba-74bf1b2e205a": "How does the Corporation mitigate risks associated with charge reversals in merchant processing activities?", "2a48afc1-2937-412c-8601-9cb28ebb6967": "What is the estimated total amount of transactions subject to reversal under payment network rules for the preceding six-month period?", "dfd51c25-6dd3-4bef-b6e9-2f4f59792e55": "What obligations may the Corporation have as a member of various securities and derivative exchanges and clearinghouses?", "951a3f48-66b7-48bf-b806-1643a533e4a3": "How does the Corporation secure its obligations in prime brokerage and securities clearing services?", "d20ddacf-2bf6-4650-b746-8be5245ee996": "What is the maximum potential exposure of the Corporation under the Fixed Income Clearing Corporation Sponsored Member Repo Program as of December 31, 2023?", "2c5c109c-2448-4b0b-8e8f-841511fbcb99": "What types of transactions might lead the Corporation to guarantee the obligations of its affiliates?", "9ae332b0-0ec7-44fe-938b-e8c6ffeb0712": "How does the Corporation's potential exposure under membership agreements in exchanges and clearinghouses compare to its actual risk of making payments?", "a99b5419-6118-4d78-b485-128f08a9a54a": "What collateral does the Corporation require from certain merchants to mitigate risks in merchant services?", "cc0ea996-2ad9-431f-9bd2-554a9a6cd5b2": "In what scenarios might the Corporation incur material losses related to its prime brokerage and clearing services?", "c868d94a-0b21-40ff-bf95-030fc2e3776f": "What is the maximum potential exposure of the Corporation as of December 31, 2023, without considering related collateral?", "7626e83f-b20d-49f6-8657-39f8c66f0593": "What types of transactions does the Corporation guarantee for its affiliates in the normal course of business?", "80b60e77-d18b-4272-b165-4766a1535126": "Who does the Corporation fully and unconditionally guarantee securities for, according to the document?", "2cb6614b-ac71-499a-83bc-76b728d55392": "What types of mortgage loans does the Corporation securitize, and what guarantees are associated with them?", "16ac42cc-8af7-4a1b-ba50-91d40c759544": "What is the notional amount of unresolved repurchase claims as of December 31, 2022?", "a6dc730d-4c0e-4aa0-976a-737417a66cab": "How does the Corporation's guarantee obligation get secured in relation to the Fixed Income Clearing Corporation?", "9905bf18-19d6-4b50-804f-99551fe333bc": "What are the potential consequences of breaches of representations and warranties made by the Corporation or its subsidiaries?", "53f56476-a82d-4fe6-9614-0d8cc2553cde": "What specific amounts of unresolved repurchase claims are related to loans in private-label securitization groups as of December 31, 2023?", "22b98b98-7846-48f9-b7f8-077bdbb3f4b0": "What types of securities are guaranteed by the Corporation's parent company, as mentioned in the document?", "54295dcd-2ced-45d0-bf14-3d01fca8a16c": "How does the Corporation's potential for incurring significant losses under its guarantee arrangements compare to its maximum potential exposure?", "857c6076-bbc4-4352-a4dd-b799c9a194a7": "What was the total amount of new repurchase claims received by the Corporation in 2023 that were not time-barred?", "ecf8fdbc-e683-4d46-88d5-e70cbcefac80": "How much in claims were resolved by the Corporation during the year 2023?", "8ac75f99-5b5f-496b-ae83-29fbe242e3bc": "What was the reserve for representations and warranties obligations and corporate guarantees as of December 31, 2023?", "4aeedf37-2890-44be-84da-630e849647ef": "What significant noninterest expense did the Corporation record in the fourth quarter of 2023 related to the FDIC's special assessment?", "0f8a65de-1a88-4e98-9501-0cfc9a642ebb": "How is the special assessment imposed by the FDIC calculated?", "4a286dda-6c2f-4d5c-ad6c-ee8b17c83c09": "What was the total litigation and regulatory investigation-related expense recognized by the Corporation in 2023?", "58da2dab-8e50-4574-8c29-42202dfcfd97": "What is the estimated range of possible loss for the Corporation in excess of the accrued liability as of December 31, 2023?", "dd5e63f4-1c63-44b7-bfd3-d610f237c8db": "What factors does the Corporation consider when evaluating whether a matter presents a loss contingency?", "0157debb-a1f5-4dd2-b319-9da91b19ec09": "How does the Corporation determine when to establish an accrued liability for litigation-related expenses?", "ec82a4e4-8df7-46b8-b26f-b3af60665573": "What uncertainties are associated with the Corporation's estimates of future representations and warranties losses?", "03a37017-9312-4060-9768-9ff4c4bfca90": "What is the estimated range of possible loss for the Corporation as of December 31, 2023, according to the document?", "c01f3b4e-f1ce-4412-a3a1-6179cdb268e0": "What legal action did the FDIC take against BANA, and when was it filed?", "f8f46d8d-36a1-4fb9-a12c-3b13c3440a6b": "How much additional deposit insurance and interest is the FDIC claiming from BANA for the quarters ending June 30, 2013, through December 31, 2014?", "74077766-e09c-493b-8dc6-7ecf4a6308c1": "What is BANA's stance regarding the FDIC's claims and the interpretation of regulations during the relevant time period?", "090f7325-cd81-4165-a00a-a60d657e06ed": "What recommendation did the magistrate judge issue on April 10, 2023, regarding the summary judgment motions between the FDIC and BANA?", "5f0bfc51-ab84-4ca2-9d71-76b98601e3fc": "What potential impact could the litigation have on the Corporation's business or results of operations, as mentioned in the document?", "3a1f13a3-ec6f-46b3-aa36-2b9d75fc41d1": "What security measure has BANA taken in response to the disputed additional assessment amounts?", "3ecbb975-b086-4a42-9d14-c21d2c758b1f": "What are the known uncertainties that could affect the estimated range of possible loss for the Corporation?", "ae4ceb14-bbca-4595-aa46-50e6932cdf00": "What does the document state about the unpredictability of the matters underlying the accrued liability and estimated range of possible loss?", "3686f8d3-393c-411d-b35a-e96e1a772cd4": "How does the Corporation view the materiality of loss contingencies arising from pending matters, including the litigation described?", "db79b4fc-b668-44f5-8ae5-a2e069a4ef6d": "What recommendations did the Report make regarding BANA's counterclaims and the FDIC's claims for unjust enrichment and disgorgement?", "db0fee47-8719-4600-8018-dd8fc70b47c5": "Which entities have been named as defendants in the LIBOR-related lawsuits?", "a4db6e73-fe43-48f4-bb3e-15242ab21abc": "What types of claims are being asserted by plaintiffs in the LIBOR class actions?", "21cf67e1-294f-4fc7-9b7e-03d3d60e0574": "What was the outcome of the U.S. Court of Appeals for the Second Circuit regarding the antitrust claims against Bank of America entities?", "fac28148-9fde-4ca8-b276-c2c365f4d98b": "In which court are the majority of the LIBOR-related cases pending?", "583333e5-0a8f-4fe1-8535-fc62c5e4a139": "What specific program is associated with the class action lawsuits against BANA regarding unemployment insurance prepaid cards?", "3de202a2-a17a-443c-9540-e918c71e9150": "What was the result of the court's decision on May 25, 2023, concerning the MDL related to BANA's administration of prepaid debit cards?", "9711644c-8500-4cac-9bd0-5e3319863f11": "What is the significance of the certification granted by the District Court on February 28, 2018, regarding OTC swaps and notes referencing U.S. dollar LIBOR?", "001799ad-d1b8-46f7-925d-7cdb26c37615": "What types of relief are plaintiffs seeking in the lawsuits related to unemployment insurance prepaid cards?", "3c59eff4-4b81-4c9e-a19d-4a47276d34f1": "How has the District Court limited the scope of claims in the LIBOR-related lawsuits?", "999dec16-b615-4123-a4a2-44a017d23cf2": "What is the dividend per share declared on common stock for January 31, 2024?", "fd74bb7e-e03f-4f5a-98ff-81a71bcad4f7": "How much cash dividends were paid per share of common stock in 2022?", "a7141b47-6b97-4aa4-b994-0466952dda3c": "What was the total amount spent on common stock repurchases in 2023?", "f24bb096-68c9-4172-89ef-72338a75b3c4": "How many shares of common stock were repurchased to satisfy tax withholding obligations in 2023?", "72cc3256-7fe6-483d-ba87-01686ca8f72c": "What is the par value per share of the preferred stock mentioned in the document?", "f5d3b20c-b3be-4009-a993-8f972ebb5083": "What voting rights do holders of Series B Preferred Stock have compared to other series of preferred stock?", "1d5136b3-35f9-40c0-83de-9be51e7d2e07": "How many million shares of common stock were issued in connection with employee stock plans during 2023?", "6021a91d-2324-46c6-a9c2-14f74eab47cf": "What happens to the voting rights of preferred stockholders if dividends are in arrears for three or more semi-annual periods?", "1e07b90e-f109-468d-a876-c7dd5bac3abc": "What is the conversion rate for the Series L Preferred Stock into common stock?", "a169021d-0827-4bb2-9c99-723f3ca09198": "How much cash dividends were declared on preferred stock in 2021?", "b0ef17ad-f4e1-457d-939c-28fd13503e45": "What are the conditions under which the voting rights of the Series L Preferred Stock terminate?", "5d775953-e2c4-4ae7-9aae-60a05e5bd24d": "What is the dividend rate for the 7.25% Non-Cumulative Perpetual Convertible Preferred Stock, Series L?", "3f39a9ae-9ef8-4a0e-a6b7-e3924c15e7b3": "Can the Series L Preferred Stock be redeemed or called early by the Corporation?", "35b1411a-115b-4e5b-93cf-26639aef71f9": "How many shares of common stock can each share of Series L Preferred Stock be converted into?", "ec0fbd58-4669-4453-ad65-f80a44f86db8": "What triggers the Corporation's option to convert some or all of the Series L Preferred Stock into common stock?", "3c81dffd-2129-43a2-a561-ab288f2c3b76": "What is the percentage threshold of the common stock's closing price that must be exceeded for the Corporation to initiate conversion of Series L Preferred Stock?", "06334daf-138e-4d27-8c41-b2c78221919a": "What happens to accrued dividends if a holder converts their Series L Preferred Stock after the dividend record date but before the payment date?", "d6137898-d259-48e6-be7a-ae1106f3d59c": "How many trading days must the common stock exceed the conversion price for the Corporation to convert Series L Preferred Stock?", "a5c49314-e8bb-4f2a-ba8c-9d9c52115aba": "What is the time frame during which the closing price of common stock must exceed the conversion price for the conversion option to be exercised?", "0604af32-df7d-45bf-a4f2-c87957e3049b": "What is the significance of the term \"non-cumulative\" in the context of the Series L Preferred Stock's dividends?", "21dd10e9-7ce9-4011-833f-f39c2eb134dd": "What is the total number of shares outstanding for Series B preferred stock as of December 31, 2023?", "0c39eaf3-d3fc-4561-b4bf-a5d8f2fd7a50": "What is the annual dividend rate for Series L preferred stock?", "385ec531-05c1-459e-b07c-79afe8107517": "When was the initial issuance date for Series E preferred stock?", "fd1ad82b-853e-432c-93fe-74d39e53df89": "What is the liquidation preference per share for Series U preferred stock?", "630e8e81-36b4-42b7-b5ad-1e4fd8b83b55": "How does the dividend rate for Series X preferred stock change after September 5, 2024?", "109fddc6-dbf5-4b1f-bb73-29932f75270f": "What is the carrying value per share for Series F preferred stock?", "383c2138-9a69-4007-8383-619cc1922b7f": "Which series of preferred stock has a fixed-to-floating rate structure and what is the initial fixed rate?", "e461d764-b3e0-4583-817b-302049ac2fba": "What is the redemption period for Series G preferred stock?", "d3692c10-66c3-4dab-ac64-48e5fdcf890b": "How many total shares are outstanding for Series AA preferred stock?", "8d700b50-2011-436f-89ae-58f6c2469bed": "What is the annual dividend amount for Series Z preferred stock?", "32c4c3f6-a31a-4877-8201-ff30eeadd8fe": "What is the interest rate structure for Series DD, and when does it begin to apply?", "b58fd05e-ce7e-4277-8fb9-b5341ddf0100": "How many Series FF securities are scheduled to be issued, and what is their initial interest rate?", "216c1c67-0382-4e6b-9fae-a71e7c233244": "What is the fixed interest rate for Series HH, and when does it become effective?", "8dabeb5c-e98d-4bbc-9ebd-f8ed34fc4f2e": "Which series has a fixed-to-floating rate structure that starts on June 20, 2024, and what is the initial fixed rate?", "f1162c2f-ad63-4e0f-b947-a657df81abdb": "What is the basis point spread for Series NN after its initial fixed rate period?", "ab816cf6-4b39-44e3-b349-c22cb33e9e0b": "When does Series QQ become effective, and what is its initial interest rate?", "3536e6bc-a834-4f72-a70b-e96a06ea2d49": "How many Series RR securities are issued, and what is the interest rate structure after the initial period?", "dc167245-19c2-4b2f-a3d8-6a351b998bbf": "What is the effective date for Series KK, and what is the fixed interest rate before the floating rate kicks in?", "1210d2b1-fb6d-4ea6-9359-68d41ec1fcf9": "What is the total amount issued for Series TT, and what is its interest rate prior to the reset?", "076eff9f-2842-4713-ac3f-eb5a51219ea1": "Which series has the highest initial fixed interest rate, and what is that rate?", "ac25e15a-0b0c-45cb-aaed-26aa5e3a69ba": "What is the dividend rate for Series SS preferred stock, and when can it be redeemed?", "bea239bc-c452-4e3b-8774-5e0c118ad937": "How is ownership of preferred stock represented according to the document?", "5da1f151-e6f2-42fa-9eeb-5e61489c5f6f": "What is the basis point spread added to the 3-month Term SOFR for Series 5 preferred stock?", "2efa3b98-9933-4776-b557-fabfd64cb561": "Which series of preferred stock does not have early redemption or call rights?", "4527de7a-ca3b-4bb0-bfa2-ef2e64dd155c": "What is the minimum annual dividend rate applicable to the preferred stock mentioned in the document?", "c7d021c4-bb75-4c6b-ae82-3173485b60fe": "What is the dividend payment frequency for Series U Preferred Stock until its first redemption date?", "02f4f8e3-9f33-416a-a394-3b7337b39409": "How many basis points are added to the 3-month Term SOFR for Series 2 preferred stock?", "b6531cc7-cc7b-4c67-9296-475c92d6ecfc": "What is the total amount listed in the document for all series of preferred stock?", "ed116b05-cabe-48a7-b77c-c9edd7da5a02": "What is the redemption option for the Corporation regarding its preferred stock?", "77ea73aa-fadc-40e4-9f75-90d028d5c834": "What is the significance of the transition from 3-month LIBOR to 3-month Term SOFR mentioned in the document?", "55d4301f-5897-4f19-9604-3e691f8e0d2c": "What is the basis for the cash dividend payments associated with the preferred stock mentioned in the document?", "8c87ef09-2541-4a54-92bf-d66fe607774e": "How is ownership represented in the preferred stock described in the document?", "a891290f-870a-4c35-a18e-cdfa8d9f57f3": "What is the minimum annual rate specified in the document for the preferred stock?", "8b0a68c0-7483-4420-a4e5-b1d7806691ff": "What changes occur to the cash dividend payment frequency upon reaching the first redemption date?", "e8d42af1-f994-45ad-97b8-2e8068f72ad3": "How many depositary shares represent a single share of preferred stock in the first ownership structure mentioned?", "9a65ce6b-ee8a-4672-ab20-691106e22640": "What is the significance of the LIBOR rate in the context of the document?", "1b559113-8d05-41a1-ab6c-d21e759a974d": "Are there any conditions under which the cash dividends are paid according to the document?", "b3c7c138-e712-40d9-a4ba-5e54af8707bc": "What is the relationship between the depositary shares and the preferred stock in terms of ownership interest?", "0a5001ec-000d-43dc-ac6d-6bbbb7d21f47": "How does the document indicate the treatment of dividends if they are not declared?", "5f12b233-c2c8-4813-9323-57c1a6a0b5e1": "What financial institution is mentioned in the document, and what is its relevance to the preferred stock?", "a183a1a7-1476-4920-91bb-e36b816d945c": "What is the total balance of Accumulated Other Comprehensive Income (Loss) as of December 31, 2023?", "3e3dd988-06b2-4165-bb3e-a4263416b5fa": "How did the net change in debt securities' fair value affect the accumulated OCI from 2022 to 2023?", "f75430df-530b-471c-a061-07205b5b09b8": "What were the realized gains or losses reclassified into earnings for debt securities in 2023?", "8de284a6-4eb2-4e32-ab35-3c27865541c0": "What is the net change in accumulated OCI for employee benefit plans from December 31, 2021, to December 31, 2022?", "e246920d-a8be-493d-ae37-3bc91fba3ba8": "How did the foreign currency component of OCI change from December 31, 2022, to December 31, 2023?", "92661402-586e-456e-96de-c32022e89809": "What was the pretax net increase in fair value for derivatives in 2023?", "690e66db-fff2-48af-a960-be9369fca758": "What was the total net change in accumulated OCI for the year 2021?", "662bf129-beb0-408f-8065-354723e5c9fd": "How do the tax effects impact the after-tax values of debt securities in 2023?", "741a5ae3-4f1a-407e-80cb-70b2a9ba1357": "What was the accumulated OCI balance for debit valuation adjustments as of December 31, 2022?", "8e87627c-b48a-4267-9371-9ab6e781ea57": "How did the net change in fair value for derivatives in 2022 compare to that in 2023?", "deefb333-26ec-4cf7-9819-aa4e2d922bb1": "What is the total amount of other comprehensive income (loss) reported in the document?", "e9f485f8-f724-4729-a7ce-4deb536360f7": "How much was the net interest income before reclassifications?", "f2ee9bf8-1298-4764-9988-6e9f3d0084dc": "What were the net realized (gains) losses reclassified into earnings?", "662c9681-fb07-435d-a4b4-8b3eeb4d3580": "What is the net change in employee benefit plans as indicated in the document?", "b11a547b-f3e7-4fb8-b6fc-059cddd1da6d": "How much did the foreign currency net increase (decrease) in fair value amount to?", "38535c57-f2f9-443b-8efe-97799a1ad7ff": "What expenses are associated with compensation and benefits as detailed in the document?", "fa34b527-5ace-453e-992a-0ab07f7e4b94": "How are reclassifications of pretax debt securities recorded in the financial statements?", "6e40cf00-84dc-411a-9181-c260c67df309": "What is the significance of the figure 3,368 in the context of the document?", "dd28c006-1aff-47c7-895d-a3432ff55f4c": "How does the document categorize the net actuarial losses and other reclassified amounts?", "be7c190b-31ce-4149-a1e2-592bffa9f2d7": "What does the document indicate about the treatment of settlements, curtailments, and other related expenses?", "cf497472-2d90-4939-a102-89a98c896dc3": "What were the earnings per common share for the year 2023 according to the document?", "fef94d24-b89a-4fbc-b6bb-cd3e876fcfff": "How much was the net income applicable to common shareholders for the year 2022?", "9be34b50-5ea4-4a60-82a3-b25b35bab44b": "What is the minimum supplementary leverage ratio (SLR) required for the Corporation to avoid restrictions on capital distributions?", "83ae49b6-94fe-4cd1-b20f-85a2c1c0d755": "How many average dilutive potential common shares associated with the Series L preferred stock were excluded from the diluted share count for 2023?", "4bf82c8b-0803-4f0e-8b17-1d75b7bc89e1": "What are the two approaches under which the Corporation and its banking entity affiliates report regulatory risk-based capital ratios?", "7f03f8e0-215d-48d5-b981-276ab6d29953": "What was the diluted earnings per common share for the year 2021?", "68f7e1de-34ea-4fef-a3a3-1ce0f436764c": "Which regulatory bodies jointly establish capital adequacy rules for U.S. banking organizations?", "09217ebb-9d45-40c5-9271-94625c84a4f3": "What is the average common shares issued and outstanding for the year 2022?", "6326d37e-fe14-4f7f-996d-b4724fd516d3": "What is the purpose of the Prompt Corrective Action (PCA) framework mentioned in the document?", "7473cc0c-86ab-4fc2-9727-707212947ab4": "How does the Corporation's capital adequacy assessment utilize the Standardized and Advanced approaches?", "55883f02-0696-4ded-aa30-d301462592a5": "What is the Common Equity Tier 1 Capital for Bank of America Corporation as of December 31, 2023?", "38ae4a14-b2b4-4eb8-bd57-47a43dd90f30": "How does the Tier 1 Capital Ratio for Bank of America compare between December 31, 2023, and December 31, 2022?", "4f0c7f40-8f5a-43ab-add0-e713bba4bd54": "What are the Risk-Weighted Assets (in billions) reported by Bank of America on December 31, 2023?", "99dc2071-b7a1-47db-8488-5cc9dfa1e67f": "What is the Total Capital Ratio for Bank of America Corporation as of December 31, 2023?", "5446281b-8a0b-4802-a723-cd39827a17c1": "What was the Adjusted Quarterly Average Assets (in billions) for Bank of America on December 31, 2022?", "fd20c484-e2ef-46a9-9ca8-275e3a144ce6": "How does the Supplementary Leverage Ratio for Bank of America on December 31, 2023, compare to that of December 31, 2022?", "b971325e-bd51-4971-919c-ca5cbe683733": "What are the differences in the Common Equity Tier 1 Capital metrics between the Standardized Approach and Advanced Approaches for Bank of America as of December 31, 2023?", "45ca369a-196d-40cc-9f66-1bc604c2dae8": "What is the significance of the Leverage-Based Metrics in the context of Basel 3 regulations for Bank of America?", "3658a4b9-53a6-4f0b-bbf9-3ee055f72368": "What was the Total Capital reported by Bank of America for the Advanced Approaches as of December 31, 2023?", "c6de7bdc-b31f-4d3f-8b14-98390d4f10d7": "How does the Common Equity Tier 1 Capital Ratio for Bank of America change from December 31, 2022, to December 31, 2023?", "ddbe866d-7a92-48e1-a2ac-a12192bad711": "What are the Tier 1 capital ratios for the Corporation as of December 31, 2023, and 2022?", "12013aba-586d-4682-ae8c-69623003106e": "How does the common equity tier 1 (CET1) capital regulatory minimum break down in terms of percentages?", "0757cfda-0195-4d91-81ef-b058e7d1ce44": "What is the significance of the leverage buffer in the supplementary leverage ratio as of December 31, 2023?", "6b5c43e8-48a6-4251-ad18-0198cf5791c0": "What were the cash and cash equivalents amounts for the Corporation at the end of 2023 and 2022?", "a1073483-75ff-4173-8f7d-b840bbfbda58": "How much in dividends did the Corporation receive from its bank subsidiary BANA in 2023?", "928e65db-c6c0-45a7-afc6-621225fd7ff0": "What are the potential consequences for the Corporation if it fails to meet the established capital minimums?", "35003c60-f498-4284-8370-fd1a029d31f4": "What is the difference between the Advanced approaches and the Standardized approach regarding total capital?", "35810512-341d-42e2-8025-85a6ec2d5cf3": "What is the total capital ratio for the Corporation as of December 31, 2023?", "d3f69d03-261b-4191-907d-0f98ed12aafc": "How much cash was deposited with clearing organizations by the Corporation at the end of 2023?", "03aa9319-f2af-4480-8de6-d720e192bb21": "What are the criteria for a subsidiary bank to declare dividends without needing approval from the OCC?", "28393069-945e-4b1f-83e2-0afd56b448f7": "What are the primary sources of funds for cash distributions by the Corporation to its shareholders?", "6230f2ad-b857-4c71-8b10-47c2644d62c1": "How much in dividends did the Corporation receive from BANA in 2023?", "d77bb81c-1121-42f7-a832-41ba39cf0ad7": "What is the maximum amount of dividends that BANA can declare in 2024 without OCC approval?", "0bbdb9a1-e574-41a8-8a04-5f5ad3ed7d91": "How are retained net profits defined according to the OCC?", "a7feb424-9ef7-4e74-89df-00cf3fe07ec2": "What is the total amount of dividends that Bank of America California, N.A. can pay in 2024?", "c5d28def-d22a-4600-b344-8ecca254902c": "What factors determine the amount of dividends a subsidiary bank can declare in a calendar year?", "6ca7d623-8df5-497e-b59f-f808cde0c5f5": "How much did the Corporation receive in dividends from Bank of America California, N.A. in 2023?", "d50ffb2a-7ec9-4a2c-a655-423fd63e6095": "What is the significance of retained net profits in the context of dividend declarations?", "71d88b31-a31b-453c-bfe6-6f361b693a1c": "How does the dividend declaration process differ between BANA and Bank of America California, N.A.?", "e164d285-c82e-4764-b07e-fbda80d8e581": "What additional amount can BANA declare as dividends in 2024 beyond the initial $12.0 billion?", "4cb7c9e2-d30a-4475-8f18-ef06025a666b": "What types of pension plans does the Corporation sponsor for its employees?", "17d4cd55-a676-4c44-8c65-f1c8213b1dd6": "How does the Qualified Pension Plan ensure principal protection for participant balances?", "f0ac5e61-bfbb-455e-8ce1-bc10c6cdc78f": "What is the funding status of the Corporation's nonqualified pension plans?", "66864b56-9974-447a-95be-860b9f1a704d": "What actuarial assumptions are considered in estimating the projected benefit obligation (PBO) for the pension plans?", "1d574b56-aa29-4682-90d9-eed46a837756": "How did the changes in the weighted-average discount rates affect the PBO in 2023 compared to 2022?", "4647bb47-09a1-4897-8026-b8b0fb9cd6e6": "What are the benefits provided under the Corporation's Postretirement Health and Life Plans?", "2da7490e-4972-4df6-b3ab-6d8c0a95bc6d": "What was the actual return on plan assets for the Qualified Pension Plan in 2023?", "0629a507-9be6-4955-8c94-b1cab39b6f3e": "Did the Corporation make any contributions under the supplemental agreement for the terminated U.S. pension plan in 2023?", "3c931a47-ecb3-46b7-b832-df7608e40933": "What was the fair value of the Qualified Pension Plan assets at the beginning of 2023?", "f0490fdf-34f4-4ad3-a69e-82b259649eb6": "How do the non-U.S. pension plans differ from the U.S. pension plans sponsored by the Corporation?", "4adf11bf-b242-4a31-a3dc-8733ecae0807": "What is the fair value of plan assets as of December 31 in the document?", "d05c516e-27ec-4b34-8983-274555a84e14": "How much was the actual return on plan assets reported in the document?", "c2954b06-e820-4f8e-b866-8de414ae8dcc": "What are the amounts recognized on the Consolidated Balance Sheet for other assets?", "e6ce3119-93b2-4596-b737-743082a3c551": "What was the projected benefit obligation at the beginning of the year (January 1)?", "500768f9-eff4-4e26-a1d4-6b8616d57787": "How much did the company contribute to the plan during the year according to the document?", "2f5f0a6c-9024-4acb-b724-c5fecabb91a8": "What is the total amount of benefits paid out as mentioned in the document?", "1dd8624f-6aa9-4908-a883-df91059aa209": "What changes occurred in the projected benefit obligation due to actuarial loss or gain?", "1ccf3628-e594-4857-9436-7f593206848b": "How did foreign currency exchange rate changes affect the projected benefit obligation?", "03fb71c4-58d5-4f81-8c12-0bf502dbe7f1": "What was the service cost recorded in the document for the year?", "e8e2e3b0-f282-4f61-a116-21282823c1f7": "What are the amounts related to settlements and curtailments as detailed in the document?", "63d8e8aa-50a7-4a05-8673-796a79b55e1c": "What is the projected benefit obligation amount as of December 31 in the document?", "ad1ec9f8-aa1f-4c6d-bbdc-a956aef1a44a": "How does the funded status of the accumulated benefit obligation change from the previous year?", "8b223efe-3412-4892-9fd0-b13699e02357": "What is the discount rate used for the weighted-average assumptions on December 31?", "8281630e-bad4-485f-a6a8-08fdc0c0852e": "What amounts are recognized under accrued expenses and other liabilities as of December 31?", "2a33d56f-23b6-4f67-86a0-d1f222f82c73": "What is the overfunded (unfunded) status of the accumulated benefit obligation as of December 31?", "8ed6ef91-c121-4c2e-a62b-45b565c45d41": "What is the interest-crediting rate for the plans reported in the document?", "962ed090-7fba-4149-ae19-14b416b03c44": "How does the provision for future salaries vary across the different years reported?", "d04da72a-56f1-42ec-be94-fb286b45c49e": "What is the rate of compensation increase for the year with the highest recorded rate?", "bfed7168-7a8f-415d-b434-d4f7cddc1627": "What does \"n/a\" signify in the context of the document?", "5db08dec-9fb2-40cd-bef5-0bd0a4688a31": "What is the significance of the measurement date mentioned in the document?", "0eeea786-5342-4d4b-a1b9-5ab3c2ca6b19": "What is the estimated total contribution the Corporation plans to make to its Non-U.S. Pension Plans in 2024?", "71b2cf4a-a118-4d4a-806d-c6cc9ee2dd56": "How much does the Corporation expect to contribute to its Nonqualified and Other Pension Plans in 2024?", "6f620f62-d313-4299-9478-729057c1dc67": "What is the Corporation's policy regarding contributions to the Qualified Pension Plan for 2024?", "d8d9269d-0c3d-4c7c-887e-8361d5d03bd3": "What legislation sets the minimum funding requirements that the Corporation adheres to for its pension plans?", "e28aec4b-d311-4462-b2a2-e1a961a16014": "As of December 31, 2023, what is the PBO (Projected Benefit Obligation) for the Non-U.S. Pension Plans?", "5e5d10ea-c98d-4a0c-be58-d0b8fe1dc545": "How does the fair value of plan assets for Nonqualified and Other Pension Plans compare between 2022 and 2023?", "17d2600c-ef8f-4fce-a7d3-14d7c1e3b2e6": "What are the ABO (Accumulated Benefit Obligation) figures for the Non-U.S. Pension Plans in 2023?", "9e2bb90a-3082-4e18-adfb-118897ae00a3": "What variations exist in funding strategies for pension plans with ABO and PBO in excess of plan assets?", "6622126e-72d1-470a-9ebe-3b5eccaedf7b": "What was the fair value of plan assets for the Non-U.S. Pension Plans in 2023?", "4b3c1b9f-20db-41c9-9178-030740c5cea0": "How do the ABO and PBO figures for Nonqualified and Other Pension Plans in 2023 compare to those in 2022?", "2e8f23c2-3ae9-4e89-b4a4-b2ca00e28fe4": "What are the funding strategies for pension plans mentioned in the document, and how do they vary?", "b9a7b653-9d68-4132-b3fd-a8fd3acab1e1": "What is the significance of ABO and PBO in relation to plan assets for pension plans?", "9a2f8192-285d-49ef-9326-b0ad16a1acdb": "How did the PBO for Non-U.S. Pension Plans change from 2022 to 2023 according to the document?", "549f910c-66f8-4744-8906-68c709a5f8c2": "What components contribute to the net periodic benefit cost for qualified pension plans in 2023?", "a7377a0c-014e-438a-b814-5ffdeb4168e4": "What was the expected return on plan assets for Nonqualified and Other Pension Plans in 2023?", "f5feeac7-d357-4931-906d-d87dd753918a": "How does the discount rate used to determine net cost for pension plans compare between 2023 and 2022?", "3ff2501b-513c-41d7-a65d-c83797261755": "What is the method used to calculate the expected return on plan assets for the Qualified Pension Plan?", "2ed25834-00d7-4962-9344-f3c3029cca71": "What was the net periodic benefit cost (income) for Non-U.S. Pension Plans in 2023?", "b538ff47-0185-4c8d-930a-ae8f3f858187": "How does the service cost for Nonqualified and Other Pension Plans in 2023 compare to previous years?", "6b4c5827-60db-4ad3-9ac9-555658a50359": "What assumptions are labeled as \"not applicable\" (n/a) in the context of the rate of compensation increase for certain pension plans?", "5b184ded-1632-4065-a93b-6c62a0cf289d": "What actuarial method is used to determine the net periodic postretirement health and life expense for the U.S. Postretirement Health and Life Plans?", "03bc3194-6e3c-4059-ba4c-81fc47c25c66": "How is the unrecognized gain or loss for the U.S. Postretirement Health and Life Plans recognized during the year?", "de52df18-0343-42ae-af25-55a911a39a88": "What is the assumed health care cost trend rate for the U.S. Postretirement Health and Life Plans in 2024?", "841f4047-5bb4-4f87-b66f-76fdf0b1cb13": "By what percentage does the assumed health care cost trend rate decrease from 2024 to 2028?", "00b6af41-3c5c-4516-a674-d63aa1a7f3a1": "What factors affect the Corporation\u2019s net periodic benefit cost recognized for the plans mentioned in the document?", "5c5295f9-88e7-4e78-818f-b0d194c237bb": "How would a 25 basis points decline in discount rates and expected return on assets impact the net periodic benefit cost for 2023?", "085f1ea5-30b4-40ee-b60b-21fb599893a7": "What percentage of the unrecognized gain or loss is recognized on a level basis during the year for the U.S. Postretirement Health and Life Plans?", "1315c0e3-601a-4af3-99c3-999421c32f1b": "What is the long-term assumed health care cost trend rate for the U.S. Postretirement Health and Life Plans starting in 2028?", "bf604c8a-4251-46cf-937d-67570c7f808d": "Which benefit plans are recognized in accordance with standard amortization provisions, as mentioned in the document?", "36645922-95ff-475b-9d38-882a4d2cb3ad": "What types of pension plans are included in the Corporation's net periodic benefit cost analysis?", "4c6488dc-9783-4d49-adbb-65344181497b": "What are the key components included in the Accumulated Other Comprehensive Income (OCI) for the Qualified Pension Plan in 2023?", "3ac8dced-e13e-41c0-b1ca-2cd94198af35": "How did the net actuarial loss for the Nonqualified and Other Pension Plans change from 2022 to 2023?", "f17a02bc-1ee0-4325-97b0-4017884ee0eb": "What is the total amount recognized in OCI for Postretirement Health and Life Plans in 2023?", "c10262bd-f8e1-401c-9bee-94ea2fe14ee7": "Describe the investment strategy of the Corporation for the Qualified Pension Plan.", "d12c0939-c262-4c70-8135-4a9996628dc1": "What was the current year actuarial gain or loss for the Non-U.S. Pension Plans in 2023?", "2b48e730-c55d-4399-a104-239b711cfbb0": "How does the Corporation's investment strategy aim to manage risk in relation to the pension plans?", "764361c3-d266-4f1f-951a-612a6a46902b": "What were the amounts recognized in accumulated OCI for the Qualified Pension Plan in 2022?", "b591a525-2a3c-4e65-bb82-8fd1482db528": "What factors are considered in developing the expected rate of return on plan assets assumption?", "75eb365b-5889-48e7-95a2-6387e48e051c": "How does the asset allocation strategy for the U.K. pension plan differ from the lowest risk strategy?", "a5766c7d-8a49-436e-ac69-f5a3376c0b37": "What was the prior service cost recognized in OCI for the Nonqualified and Other Pension Plans in 2023?", "06da37a7-f1db-405d-859d-c344ae6a0020": "What are the primary objectives of employing active and passive investment managers in the context of the Non-U.S. Pension Plans?", "b5c66a1a-f49e-4673-aeec-f5032e3e258c": "How does the U.K. pension plan ensure that the benefits promised to its members are met?", "7796d67c-9f70-4f3c-9138-04102d2e22cc": "What factors are considered in developing the expected rate of return on plan assets assumption?", "213727b5-e7b3-466e-9779-6d4c5d9f6c27": "What is the significance of matching the exposure of participant-selected investment measures in the asset allocation plan?", "6ea2a2fe-dcf0-4ffe-bf9d-4885eb6c9441": "Describe the investment strategy of the Other Pension Plan and the types of securities it primarily invests in.", "455ae3e6-94e6-4e76-8feb-9e2ab8967725": "What are the target allocation percentages for equity securities in the Qualified Pension Plan for 2024?", "a5db62fe-3569-4ffc-980d-e82d6d2138e8": "How does the asset allocation strategy aim to balance risk and return for the Qualified Pension Plan?", "098cfe31-7f2b-4e27-a102-b83d902047fa": "What are the different asset categories and their corresponding target allocation ranges for the Non-U.S. Pension Plans in 2024?", "fcc00dfb-48a8-4109-ae19-6165910048b4": "Where can one find more information about fair value measurements and the fair value hierarchy as mentioned in the document?", "25f7e2bb-6957-497d-ba30-6f7e641d17f7": "What is the role of historical market returns and asset class volatility in determining the expected return on plan assets?", "24a51050-e5d5-422f-b365-0b741e25a7f3": "What are the total plan investment assets at fair value as of December 31, 2023, and 2022?", "6bfdeccc-ee25-4af7-b0be-fda543344cd7": "How much is allocated to Level 1 fair value measurements for U.S. government and government agency obligations as of December 31, 2023?", "9b7c4df6-e2af-49de-bf34-37c32931c2ed": "What is the balance of Level 3 fair value measurements for other investments at the end of 2023?", "06a9eb00-e392-4d5e-b3b6-b1336c860a6a": "What significant unobservable inputs are used for Level 3 fair value measurements in the document?", "7912ca4d-a0d5-4c42-b230-e9ec091c94d5": "How much did participant loans contribute to the total plan investment assets at fair value as of December 31, 2023?", "8163677f-8ab2-4163-a3a2-1f7bce623934": "What is the actual return on plan assets still held at the reporting date for U.S. government and government agency obligations in 2023?", "beee9085-b171-46f1-b6c6-42e166d36b0e": "What amounts are excluded from the fair value hierarchy for investments measured at fair value using net asset value per share as of December 31, 2023, and 2022?", "fa7fea9d-02a3-4f82-bbc5-1d9952c9edde": "How does the total for Level 2 fair value measurements compare between December 31, 2023, and December 31, 2022?", "462ad3c1-4cdc-411a-ae7f-c6fe1842b816": "What are the components of other investments listed in the document, and what are their respective values as of December 31, 2023?", "bc9202c8-2074-40e7-8b82-642f73d97f8b": "What was the balance of Level 3 fair value measurements for U.S. government and government agency obligations at the beginning of 2023?", "ad92c2b7-5baf-4149-95bc-ed992bc30bc5": "What types of obligations are detailed in the document regarding U.S. government and government agency investments?", "58e96eeb-b530-4304-968f-c59d7c42fda8": "How much was projected to be paid from the Qualified Pension Plan in 2024?", "cec04e5e-5ffc-433a-8059-ebf6856f53f7": "What are the total amounts for U.S. government and government agency obligations in 2021?", "636233d3-91c6-442a-9c05-b311d9b1be32": "What is the projected benefit payment for Non-U.S. Pension Plans in 2025?", "e3e2af31-b9fb-4c98-8f35-18eefd56c5ac": "How do the projected benefit payments for 2029-2033 compare to those for 2024?", "9ea42906-389a-4435-8745-23d9f0ef80f0": "What adjustments were made to the Other Investments category from 2021 to 2022?", "e9b17d1e-4e24-4bec-bf26-cc966988bfc6": "What is the total amount of Participant Loans reported for the year 2022?", "0f1fb21a-2559-44c6-81ee-0b5d175356d7": "How much is expected to be paid from Postretirement Health and Life Plans in 2028?", "c9e1b659-a961-4486-91cc-b0cf0ffd468d": "What was the total amount of Other Investments in the year 2021?", "97be2669-17ee-4291-a746-42ed397762fb": "How do the projected benefit payments for Nonqualified and Other Pension Plans change from 2024 to 2026?", "95814368-7441-4c3a-a727-6c20c9862eb7": "What is the total expense recorded by the Corporation for qualified defined contribution plans in 2023, 2022, and 2021?", "d5f37bd6-13ce-43a5-9a08-cb3eacf342aa": "How many shares of the Corporation's common stock were held by the defined contribution plans at December 31, 2023?", "9b5757f6-aa95-4637-80ab-4740f4742285": "What was the amount paid in dividends to the defined contribution plans in 2023?", "a62da9f5-9db9-481a-8bcb-54b3880e04b0": "How many restricted stock units (RSUs) were granted to employees under the Bank of America Corporation Equity Plan (BACEP) in 2022?", "fd841070-1d88-4ce5-b64a-ca396c3bfc60": "What is the vesting schedule for the RSUs granted in 2023 and 2022?", "6c6f4225-a029-49a8-be15-ae9c561568df": "What was the total compensation cost for stock-based plans in 2023?", "1da827e1-a5c2-4391-95f1-385e930151fc": "How much unrecognized compensation cost related to share-based compensation awards is expected to be recognized over the next four years as of December 31, 2023?", "737ef427-3f3f-4c3b-9831-f3d9d1ec5fcd": "What was the fair value of restricted stock and restricted stock units that vested in 2022?", "c138109b-a12d-4e9a-b2f2-6fc3ba00e7ac": "How many stock-settled restricted stock and restricted stock units were outstanding at December 31, 2023?", "1eea00ec-ed1c-4766-877c-3d04bc7eedb2": "What was the weighted-average grant date fair value of the stock-settled restricted stock and restricted stock units that were outstanding at January 1, 2023?", "c9d60a53-1c82-4ccf-adc4-74175b366e6b": "What was the weighted average grant date fair value of the stock-settled restricted stock and restricted stock units outstanding at January 1, 2023?", "eb7a88ec-9de7-46e0-a3fc-d19831f93fc2": "How many shares/units were granted in 2023 for stock-settled restricted stock and restricted stock units?", "2568946b-ec60-40b3-9e6b-d83223fc4a2b": "What was the total income tax expense for the Corporation in 2023?", "7339d099-5c92-4961-bb36-6fdd69a662d2": "How did the total current income tax expense for 2023 compare to that of 2022?", "6a40268d-e280-43eb-a2aa-23464ca9641c": "What was the amount of deferred income tax expense for U.S. federal in 2023?", "d644c79f-a9a4-41b2-a0c8-bac5117831bb": "What was the effective federal statutory tax rate applied by the Corporation for the years 2021, 2022, and 2023?", "31548f6b-92df-4976-8d48-a5f5b4d1bedd": "How many shares/units were canceled in the stock-settled restricted stock and restricted stock units during 2023?", "c8901dba-847b-43d7-93b4-d4e577339af6": "What was the total income tax expense for the Corporation in 2022, and how does it compare to 2021?", "62594413-8b09-49d1-8b75-5dc3a7439865": "What was the expense related to other tax effects included in OCI for the year 2023?", "2cbfba90-24ae-4660-b738-1fd34625c479": "What was the outstanding number of stock-settled restricted stock and restricted stock units at December 31, 2023?", "1e6d06c6-39f5-4e87-ab90-384c2a49d700": "What was the expected U.S. federal income tax expense for the year 2023 in millions of dollars?", "17ad5441-d1ef-4a94-809d-10991c52cd11": "How much did the state tax expense contribute to the total income tax expense in 2023?", "807d9bb5-882e-479f-84ca-6c5d5cafe481": "What is the percentage impact of affordable housing/energy/other credits on the income tax expense for the year 2023?", "7543035c-d68d-4bd2-a6df-8c91e0c3cd4f": "What adjustments were made in 2022 due to tax law changes related to the U.K. corporate income tax rate?", "7dc5ec78-badb-46e2-a3e1-477fde7a0738": "How did the rate differential on non-U.S. earnings affect the total income tax expense in 2023?", "6a01d8df-f31a-4516-8101-463b04f1cc27": "What were the total income tax expenses for the years 2021 and 2022, respectively?", "494a6e42-737e-4591-bd93-f2947582e03c": "What type of investments are driving the significant increases in tax credits recognized over the last three annual periods?", "c8fe5692-2bf4-471c-b1e8-a06d76551c29": "How does the document describe the Corporation's commitment to supporting the transition to a lower carbon economy?", "0a40bd38-d3ec-4d7b-977d-9f93e5bec2d1": "What was the impact of nondeductible expenses on the total income tax expense in 2023?", "a41c257f-1606-49ee-8cd3-3bd21e5ea3f5": "What information is referenced in Note 6 regarding securitizations and other variable interest entities?", "57a4e86f-c522-42d5-9d01-6c90c268c41c": "What factors have contributed to the significant increases in tax credits recognized by the Corporation over the last three annual periods?", "74049d14-059b-4e7b-9e43-bcd396f3737c": "How does the Corporation's unrecognized tax benefits (UTB) balance at December 31, 2023, compare to the balances from the previous two years?", "02a37e0e-14f0-462d-a030-13a8f75d9194": "What is the total amount of interest expense recognized by the Corporation in 2023?", "5cd819ee-fb7c-4484-a84d-7d66ab26e816": "Which jurisdictions are currently undergoing tax examinations for the Corporation as of December 31, 2023?", "2f923768-d20e-421d-915a-4077bacac2ef": "What is the potential decrease in the unrecognized tax benefits balance that may occur in the next 12 months?", "63368b07-d801-46e2-892b-3447ea5ff4f1": "How does the recognition of certain items in the UTB balance affect the Corporation's effective tax rate?", "a1e56cca-46cd-43df-9a29-afb1047d31c6": "What are the years under examination for the Corporation in the United States as of December 31, 2023?", "3cf05031-1664-4888-9b23-ada520bdca09": "What types of investments are generating tax credits for the Corporation, according to the document?", "bca2c5bc-f4ab-4b71-b9c7-1d122f2e8ef3": "What was the balance of the Corporation\u2019s UTBs that would affect the effective tax rate at December 31, 2022?", "c96a80fd-7e51-4c23-872b-b72ad63b1a24": "What is the status of tax examinations for the tax year 2022 in the United Kingdom?", "e49ed09f-1158-4395-8223-6ceecf100f33": "What is the status of tax examinations for the Corporation in the United States as of December 31, 2023?", "5490295d-f0ac-4d83-b31a-1605cdd679b9": "Which tax years are currently under examination for the state of California?", "e5092d3b-717a-410e-9cd9-bf5ae70938b6": "When is the field examination for California's tax years 2018-2021 scheduled to begin?", "2d0b377b-3f91-4da2-bdca-a2c258f82e2c": "What is the status of tax examinations for the United Kingdom as of December 31, 2023?", "fc390b6a-8575-40b6-8469-bec116417de1": "How many years of tax returns are under examination for New York as of December 31, 2023?", "312c59cc-7f40-4368-a76d-cc6e99e00fcf": "What are the significant components of the Corporation\u2019s net deferred tax assets and liabilities at December 31, 2023?", "fccf3879-7dd9-48d6-a9a0-87c8ab258fa8": "Which tax year is set to begin field examination in 2024 for the Corporation?", "c4c7ac4a-501d-49a3-83be-3f61c89c4887": "Are all tax years subsequent to the years shown in the document subject to examination?", "0ed2d21e-0b3a-429b-9f1c-e844b5694ec5": "What is the significance of the years 2017-2021 for the Corporation in the context of tax examinations?", "2d742956-9cec-43c8-bca7-ce9bf65597b9": "How does the tax examination status differ between California and New York as of December 31, 2023?", "d2c3bc19-d0b0-4998-b2e7-1e6dbe7b80de": "What are the total gross deferred tax assets reported as of December 31, 2023?", "68065e53-8658-4ece-bfd8-bae45ebd4d5b": "How much is the valuation allowance for deferred tax assets as of December 31, 2023?", "7e581c21-60a3-4095-863c-52127cc0dc4a": "What is the net deferred tax asset amount for the Corporation at the end of 2023?", "408e6f1c-b494-44fa-b83e-e7583fa148bc": "Which category of deferred tax assets has the highest value as of December 31, 2023?", "0edea4f4-184f-498b-a692-07fdb3af2da8": "What are the expiration details for the net operating losses associated with U.K. carryforwards?", "e2a6a909-8219-4e67-9040-a2c6f5b7bb36": "How much of the deferred tax asset related to foreign tax credits is subject to a valuation allowance?", "6e033ce9-4226-4dea-b4bd-3bea1bcc3b77": "What is the estimated deferred tax liability amount if the Corporation were to record the associated liability for non-U.S. subsidiaries?", "9e99accb-ac96-4e93-8680-a7e31a68c51c": "What factors led management to conclude that no valuation allowance was necessary for U.K. NOL carryforwards?", "cd1af959-8ab0-4f0d-9294-eb21a3288d4e": "How do the gross deferred tax liabilities as of December 31, 2023, compare to those reported in 2022?", "0d299465-da62-47d4-a5db-3f9061894e00": "What is the definition of fair value according to the applicable accounting standards mentioned in the document?", "da38f81c-a19d-4063-a511-34eba885c813": "What is the estimated amount of temporary differences associated with investments in non-U.S. subsidiaries as of December 31, 2023?", "ab4ad894-40fe-4e0d-b6fb-141ac24716ec": "How much would the Corporation's deferred tax liability be if it were to record the associated tax on temporary differences?", "1cccf59c-60a7-4014-834f-8d9d146533e3": "What is the definition of fair value according to the applicable accounting standards mentioned in the document?", "7937ab6e-8434-45fc-8e98-035d182a9443": "How does the Corporation categorize its financial instruments based on the fair value hierarchy?", "09e0326c-4a62-47be-8f1c-8f2613fec5cf": "What factors influence the determination of fair values for trading account assets and liabilities and debt securities?", "4c4df63e-7866-49fa-9e1e-14496641c546": "What valuation methodologies does the Corporation use for its assets and liabilities?", "803ed3a4-413a-4b9e-8dd8-96483c4c71c1": "What is the significance of liquidity in determining the fair values of trading account assets and liabilities?", "1cb8b509-c3a5-4794-9ace-71b6048e94bf": "How does the Corporation handle situations where market price quotes are not readily available for certain positions?", "7a35267c-ad8c-4f31-8851-1b6c4400d326": "What are the key assumptions incorporated into the discounted cash flow model used for valuing certain securities?", "74745608-0672-450c-ab93-2f08f5a42d36": "What changes, if any, occurred in the Corporation's valuation approaches or techniques during 2023?", "431db78c-900f-4634-820d-39badc087e0c": "How are the fair values of derivative assets and liabilities determined in the OTC market according to the document?", "7b8312ca-9b6a-488d-9158-fbab05dd3256": "What factors are considered when estimating the fair values of loans and loan commitments?", "a28977c5-a52f-4f09-8091-6924262840af": "Describe the approach used to determine the fair values of Mortgage Servicing Rights (MSRs).", "c69f3344-3f8c-4ed3-9369-df56cbd0497b": "What methods are employed to assess the fair values of Loans Held-for-sale (LHFS)?", "b2c94a0d-f1e7-4def-b0ac-bc64c06704b1": "How does the Corporation incorporate credit risk into the fair value measurements of OTC derivatives?", "88cb8778-4e01-4a65-b03a-ce8308747873": "What quantitative models are used to estimate the fair values of structured liabilities linked to various performance metrics?", "5fa81666-a61f-4fdf-9f07-98c9231bef3d": "In what ways are market inputs validated when determining the fair values of securities financing agreements?", "237e9e73-ca6a-4320-bb3d-a21b4f7e9250": "What adjustments are made to the fair value of net long and net short exposures in relation to counterparty credit risk?", "9afa468f-3086-437e-b188-270d8b3f14dc": "How are the fair values of deposits calculated according to the document?", "215e3f51-0914-4d03-b0b9-048133e365cd": "What role do observable and unobservable market inputs play in the valuation of short-term borrowings and long-term debt?", "8ef559f0-8eb5-4cdf-b91e-3716920b7d1f": "How is the credit spread determined according to the document?", "30dc3feb-2820-4d20-bcc2-771bd2d766ee": "What types of agreements are mentioned in relation to fair value determination?", "4dd60af9-0250-4554-b9d6-2ee96474cdd8": "Which quantitative models are used to assess the fair values of reverse repurchase agreements?", "934fc532-6fc7-4990-b5de-2c266785bc2c": "What market inputs are required for the discounted cash flow models mentioned in the document?", "c00b8404-7d2b-493c-949a-5c9d26eca0c2": "How does the Corporation consider its own credit spread in the valuation of deposits?", "c9f01f8c-c250-49c8-9116-9789fbd7ec4c": "What external sources can be used to validate the market inputs for fair value determination?", "8a6c3d9a-efe1-424b-8492-ea9358926f11": "How are the fair values of asset-backed secured financings determined when external broker bids are not available?", "83c4e150-de7c-4383-8aea-5add9dcb2fb6": "What factors are adjusted to reflect inherent credit risk in the valuation of asset-backed secured financings?", "aadca937-18a8-4649-845d-ac814bdb366e": "What is the significance of observable credit spreads in the secondary cash market for the Corporation?", "f0560a17-f9c0-4849-9bee-f59c46446427": "How do interest rates and spreads contribute to generating continuous yield or pricing curves in the document?", "57a5f234-ea06-4d19-b68c-540ddebec038": "What types of assets and liabilities are summarized in the fair value measurements for December 31, 2023?", "5142bb80-a0c4-4058-ae24-cafd8bc767be": "How is the fair value of trading account assets categorized in the document?", "e08ad882-cfcc-4e8d-a98e-919e7e7f8efc": "What is the total fair value of derivative assets reported as of December 31, 2023?", "fd137508-67ce-4890-8aa4-897cd0351fd2": "Which level of fair value measurement includes U.S. Treasury and government agency securities?", "bbecd916-8b07-4412-8f3d-1fed620d483c": "What adjustments are made to the federal funds sold and securities borrowed or purchased under agreements to resell?", "36d56bb3-087f-43e2-8fb7-6edb08d257a5": "How much is reported under Level 3 for equity securities as of December 31, 2023?", "5b2900b2-a3f0-4fdc-9967-1244e5d1378a": "What is the total fair value of available-for-sale (AFS) debt securities as of December 31, 2023?", "73243704-dde4-4c77-abc8-28835726ca07": "Which types of mortgage-backed securities are mentioned in the document, and how are they categorized?", "d2cc4152-fc61-4ed5-8260-004fa4b2fc25": "What is the significance of netting adjustments in the fair value measurements?", "4f89aa95-0b75-482d-8f44-077cfe554967": "How do the fair value measurements for December 31, 2023, compare to those for December 31, 2022, based on the document?", "915575aa-7c27-4570-ba59-86652d804698": "What is the total value of available-for-sale (AFS) debt securities reported in the document?", "69866a53-592d-42d5-8f9b-564ad44d52de": "How much are the interest-bearing deposits in U.S. offices listed as liabilities?", "b244ac5f-4cec-4833-ba69-d491fe3d2196": "What types of securities are included under \"Other debt securities carried at fair value\"?", "b5f2e71b-ed73-4f48-a402-3df128ab2f08": "What is the total amount of loans and leases reported in the document?", "7ef73a96-92da-475f-8061-a85bdc6e29a8": "How much are the tax-exempt securities valued at according to the document?", "3ee8c6cc-ec36-496e-9898-173dcafc33e0": "What is the total value of assets reported in the document?", "8704092e-13c4-4046-ac63-bd9ca4d06f33": "How much are the trading account liabilities for U.S. Treasury and government agencies?", "76e84f3b-e472-4e18-b1fa-560ec38e7d7a": "What is the value of loans held-for-sale as mentioned in the document?", "0cefcaf4-1a02-4d45-9420-1f04dc3806b1": "How much are the non-U.S. and other securities valued at in the \"Total other debt securities carried at fair value\" section?", "aae051b8-bdf9-4a5c-a365-9aef59c37e44": "What is the total amount of other assets listed in the document?", "6ab817ef-6b55-444c-a4da-f1e27e8510ce": "What is the total amount of federal funds purchased and securities loaned or sold under agreements to repurchase as mentioned in the document?", "a5c6c4e8-1f12-4a99-b241-41ea021d6320": "How much are the total trading account liabilities listed in the document?", "27a8e57b-1f7e-44f0-b483-99be13d8d22a": "What is the value of equity securities as reported in the trading account liabilities section?", "790e8dbd-e1cf-4fea-80af-74c220ef5adc": "What percentage of total consolidated assets do recurring Level 3 assets represent according to the document?", "fe731885-cdbb-4d0c-a6e0-086fddfb95dd": "How much is classified as long-term debt in the liabilities section of the document?", "e231f275-a41a-4720-9d5f-cbdab27bf833": "What is the fair value of securities that were segregated in compliance with securities regulations?", "f07fd605-8716-40f3-9e4e-0c8afea0d3c4": "What are the total amounts for accrued expenses and other liabilities as stated in the document?", "b279df97-1ebb-4fba-8aef-4c9c86598eb1": "How much in derivative liabilities is reported in the document?", "62e5204d-188c-4f21-b77f-bf4ae30b14a2": "What is the total amount of short-term borrowings mentioned in the liabilities section?", "f15b3019-7359-411d-8907-102ce4dcd9b8": "What is the significance of the amounts that represent the impact of legally enforceable master netting agreements in the context of the document?", "ad0fd534-5e43-438a-ab26-b42a03196933": "What is the total value of assets at fair value as of December 31, 2022, according to the document?", "545ea092-93c6-4575-8582-b5d07dc0171f": "How much is reported under Level 1 assets for time deposits placed and other short-term investments?", "6cbedcfb-ef2a-4eba-959f-a0db3608e96f": "What are the total trading account assets categorized under Level 2?", "197c1916-049b-4616-8b3f-310a7ffda637": "Which category of AFS debt securities has the highest value reported under Level 1?", "2ed06368-72dc-4d52-824f-1368036d93c5": "What is the total amount of derivative assets after netting adjustments?", "64122f0a-e2ba-4f55-97bf-0ceafa446d85": "How much is reported for loans held-for-sale in the document?", "433d3da2-d1bc-498f-9a8c-0b5dee686de7": "What is the value of non-U.S. sovereign debt listed under Level 2 assets?", "e2e419de-5036-4ac1-83df-4c7affb24d8b": "How many categories of assets are reported under Level 3, and what is their total value?", "b7f02bc7-7af8-4600-9da9-d8a24eb1a404": "What is the total value of liabilities associated with federal funds purchased and securities loaned or sold under agreements to repurchase?", "7fe2130c-be3e-4301-80a6-6de88873f4dc": "How much is reported for equity securities under Level 1 in the trading account liabilities section?", "4d6951bd-a2db-4dde-ba59-139028b13e9a": "What is the total amount of liabilities reported in the document?", "11f937b6-6477-4ba6-8d0d-7ec37ee5fee4": "How much is allocated to derivative liabilities according to the provided data?", "f78ed53b-a4bc-4ebb-95ac-448ad6918947": "What percentage of total consolidated assets do Level 3 assets represent?", "e7aa8444-6a13-4766-9cb3-62c29ae714c5": "What is the fair value of securities that were segregated in compliance with securities regulations?", "395eac37-c903-4b05-9bb5-dd1231f4e3b3": "Which category of trading account liabilities has the highest reported amount?", "ab534dc3-87de-464d-b61b-3ee92cc86dec": "What is the total amount of accrued expenses and other liabilities listed in the document?", "075fb21e-812e-486b-af1c-458aceef9629": "How much in corporate securities and other liabilities is reported?", "7d0a8a4f-2190-49b6-b398-b5eab817164f": "What is the significance of legally enforceable derivative master netting agreements in the context of the document?", "47c074a1-18f4-4ffc-b919-ae11b42081a2": "What is the total amount of short-term borrowings mentioned?", "fab72a12-3b5c-4f47-a8df-ac875681c100": "How much is reported for equity securities in the trading account liabilities?", "32634769-23fb-4b3a-8089-e01d9ce7bbef": "What is the significance of Level 3 in fair value measurements as described in the document?", "217ecaa8-cde9-497e-856d-ff8804bad139": "How are transfers into and out of Level 3 categorized according to the document?", "4f086726-4c65-4979-9e69-620bd513e461": "What types of financial instruments are included in the Level 3 fair value measurements for the year ended December 31, 2023?", "a0bf425f-b806-46b9-9b1a-7ab60e808d4a": "What were the realized and unrealized gains (losses) in net income for corporate securities, trading loans, and other assets in 2023?", "779976e8-7d2d-47e3-b9c9-dfa434c6b809": "How does the document define the impact of unobservable inputs on long-term debt instruments?", "699f9848-e607-47e2-b2ce-35206795f860": "What was the balance of federal funds sold and securities borrowed or purchased under agreements to resell as of December 31, 2023?", "adba3013-eb54-479f-ab65-2c012b64cf95": "What were the total purchases and sales for equity securities in the year ended December 31, 2023?", "a6f5fe4d-674c-4d46-98ed-d59a0a73b12a": "How do unrealized gains (losses) in accumulated OCI relate to the financial instruments still held at the end of 2023?", "3751c960-760b-457d-bac5-a5641064d159": "What is the total balance of trading account assets at the end of 2023 after accounting for transfers and settlements?", "76fff3b6-7cfc-4f35-bf66-16258c828367": "What changes occurred in the unrealized gains (losses) in net income related to financial instruments still held during the year ended December 31, 2023?", "67cf43d6-80b7-4615-8cfd-30d2bd0fef39": "What is the total amount of sovereign debt mentioned in the document?", "636aa9bc-c91e-4b08-a665-1add64d3f7e3": "How much is allocated to mortgage trading loans, MBS, and ABS?", "2998fb5d-89c4-45aa-a3d1-df7eb308f6f7": "What is the total value of trading account assets listed in the document?", "ad76a08d-754d-4548-981f-00557af0c807": "What are the net derivative assets (liabilities) reported in the document?", "9b06e5b7-22de-4403-a110-17e21922f302": "How many non-agency residential MBS are mentioned, and what is their total value?", "6f67436c-912d-4019-ae97-9c13972a29f9": "What is the significance of the numbers in parentheses throughout the document?", "8d90517d-f7d4-4ae4-b713-b2a996f2316b": "What does AFS stand for in the context of debt securities mentioned in the document?", "8cd2d365-5d81-4cae-ad28-5dfe86a6ca61": "How many total assets are reported under the trading account assets section?", "4c640f71-758f-4c0f-adb9-a0b5b0c5df16": "What is the value of non-U.S. securities as indicated in the document?", "3ffb38ae-9920-429c-9545-70aeb3418210": "What does the document imply about the distribution of assets across different categories?", "d3ae5110-1628-40b7-8dba-2a7ff799fd5f": "What types of securities are included in the total AFS debt securities section of the document?", "62c63297-7956-41f9-8a98-dd983b1c7822": "How much is reported for tax-exempt securities in the document?", "01bc73a9-c5dd-4aad-80ca-fef630cccc6c": "What is the total amount for loans and leases as stated in the document?", "3b7a542d-d9ca-40bc-a52c-5efd3656ed7f": "What are the liabilities associated with trading account liabilities for equity securities?", "d41fcf22-59c7-4272-993a-27f8d87b01a2": "How does the document categorize other debt securities carried at fair value?", "eb1c6f57-54b9-43ba-a09d-0563a724e017": "What is the reported amount for accrued expenses and other liabilities?", "0fc20edf-c09d-40aa-9062-54df5b815a08": "What is the total amount for trading account assets related to corporate securities, trading loans, and other?", "72324e84-3cb5-43db-bdd0-f3b2559e8a5f": "How much long-term debt is indicated in the document?", "ed1c10e3-8816-4062-a98d-ff3b1804bdff": "What adjustments are noted for the trading account assets in the year ended December 31, 2022?", "31fdfc25-fd37-4d84-b576-b0d3ba9a08e3": "What is the significance of the numbers in parentheses throughout the document?", "0b0be9cc-7fa3-48e4-80e3-964847b2ed4b": "What are the total trading account assets reported in the document, and how do they compare to the previous period?", "1eadf11a-0362-448f-869c-c56e81c23b22": "How are net derivative assets (liabilities) categorized in the document, and what is their reported value?", "3c297782-2f57-4a23-8750-292276e29562": "What types of debt securities are included under AFS debt securities, and what is the total value of these securities?", "4224eaf4-07bd-44df-b6c8-db72751ee2c9": "What is the reported value of loans and leases, and how does it change over the specified periods?", "e4f1cefe-d9a5-40ec-bdb4-bb029a4a2633": "How does the document classify other assets, and what is the total value reported for this category?", "31695e7f-af6c-4bf4-b012-f2219254d9cb": "What are the implications of unrealized gains (losses) on AFS debt securities as mentioned in the document?", "31a8667d-a967-4b40-b7bf-fa7a2540856e": "What is the significance of Level 3 assets and liabilities in the context of the document?", "bffa9433-8559-4514-a1bd-d6d264667bf9": "How are short-term borrowings characterized in the document, and what is their reported value?", "fd8967b4-c698-4529-9311-e9d0c2c9fa89": "What types of income statement line items are associated with gains (losses) reported in the document?", "cc0b7830-782b-41c9-b132-c59ba4fb3844": "What adjustments are mentioned in relation to foreign currency translation and derivatives in cash flow hedges?", "a18bcdf8-ec6e-4c75-83fe-91a7514f87e6": "What types of financial instruments are included in the unrealized gains and losses mentioned in the document?", "2eb83e77-14d8-405f-b4bd-9026b7fb8748": "How much were the net unrealized gains (losses) related to financial instruments held at December 31, 2023?", "deb5c0fc-a1d7-4649-84b3-3dbfed508105": "What is the total amount of derivative assets reported at December 31, 2022?", "d85cb9f3-31bc-4bbe-a5c8-2f5eb591815b": "What does the term \"MSRs\" refer to in the context of this document?", "b7910bdb-d3ba-4e98-961a-2a7d06774408": "How do settlements affect the fair value of the MSR asset according to the document?", "546e595b-c0ad-4b7e-86dd-d74c8a4f1c75": "What was the value of derivative liabilities at December 31, 2023?", "cf12ba79-3663-4d7c-8021-55caccc009ef": "What impact do changes in the Corporation\u2019s credit spreads have on long-term debt as described in the document?", "78b0b3cc-8b00-41bd-afed-7d9ae7b31d9a": "What are the two main components represented by the amounts related to loan originations and MSRs?", "2f33d83c-916f-45d1-9c9d-3d2006a7b9e3": "How do foreign currency translation adjustments factor into the overall financial reporting in the document?", "deb7cfe0-76b6-47b8-85c8-27c39e3bd8c3": "What is the significance of the fair value option in the context of the financial instruments discussed?", "c727974f-e4e4-4e62-bbeb-8d0f8e042e0e": "What is the total balance of trading account assets at the beginning of the year 2021 as reported in the document?", "a47e548a-b8c3-4875-be5a-a256e1cf4362": "How much did the corporate securities, trading loans, and other assets experience in realized/unrealized losses in net income during the year ended December 31, 2021?", "6669b65c-70f2-4198-b36e-35e431b4319c": "What were the gross transfers into Level 3 for mortgage trading loans, MBS, and ABS during the year 2021?", "f552ed8e-2035-4c4f-b963-edad1223978a": "What is the balance of non-agency residential MBS under AFS debt securities at the end of the year 2021?", "ac45886d-af55-4e02-8086-e9b079591fef": "How much did the net derivative liabilities change during the year ended December 31, 2021?", "0252ae17-fcca-44d0-aaa6-dc5f0ca4f9da": "What is the total amount of unrealized gains (losses) in net income related to financial instruments still held for the trading account assets at the end of 2021?", "53df644b-7842-4b12-ac2d-d4881049dc86": "What was the change in unrealized gains (losses) in net income for loans and leases during the year 2021?", "86bd9f20-7e96-4660-a209-4c222c081ff6": "How much did the long-term debt liabilities decrease during the year ended December 31, 2021?", "7b670a8a-f431-432f-bd42-7a6df87967f8": "What is the total balance of other assets at the beginning of the year 2021, and how did it change by the end of the year?", "9ffb307e-00b3-41c0-a295-a6f7e87d5451": "What were the total realized/unrealized gains (losses) in OCI for AFS debt securities during the year ended December 31, 2021?", "472b1cff-0e9b-45db-83b7-dcc03e6e60e2": "What level should assets be increased or decreased to according to the document?", "69783600-6ba8-40af-8784-9818c96f2c05": "Which income statement line items include gains or losses reported in earnings?", "1a05cb8b-118e-4cd2-9d5a-caed57f619d0": "What are the two main activities associated with net derivative assets and liabilities mentioned in the document?", "6f98e67b-7061-4050-96dd-eb97fcfc33a0": "How much are the net unrealized losses related to financial instruments still held at December 31, 2021?", "08030730-e663-4f48-92f4-cd5cd306be89": "What is the total amount of derivative assets and liabilities reported in the document?", "b27f660d-76bd-48b8-9f98-0e517813b89f": "What does \"MSRs\" stand for in the context of loan originations and securitizations?", "82ed5ddc-1fd2-41a2-a442-6009948aed51": "What type of adjustments are included in the unrealized losses in OCI on AFS debt securities?", "d489b2b5-1102-48e7-ba44-8770192b2938": "How do settlements primarily represent changes in the fair value of the MSR asset?", "f09f1822-b777-430b-be77-c1f29fac7a7f": "What impact do changes in the Corporation\u2019s credit spreads have on long-term debt accounted for under the fair value option?", "44c3b66b-8201-473b-9b34-554c95cf67f6": "What types of activities are associated with loans and leases as mentioned in the document?", "548a0a7b-4ab0-4235-a39e-2776672c9298": "What are the significant unobservable inputs related to Level 3 financial assets and liabilities for the Corporation as of December 31, 2023?", "d9a372d0-46c4-40b5-a39b-01e2449f2c6e": "What valuation techniques are used for the financial instruments backed by residential real estate assets?", "07344bb0-f227-414c-9686-23d2aafacefc": "What is the fair value of loans and securities backed by residential real estate assets as of December 31, 2023?", "2056dc56-18fe-4f63-a781-628697d7503b": "What is the range of the yield input for instruments backed by commercial real estate assets?", "ef234cf3-efe5-4677-87ec-b9c257d50a85": "What is the weighted average prepayment speed for trading account assets related to mortgage trading loans, MBS, and ABS?", "96d4bdad-072f-4aed-9c1c-000b85c4d81e": "How does the default rate for loans and leases compare to the default rate for trading account assets?", "66f13f30-07f3-4376-896f-4e98c2144f87": "What is the loss severity percentage range for other debt securities carried at fair value related to non-agency residential assets?", "0bdc4c73-4b93-4d9f-8499-6d532c7cd0ec": "What is the fair value of trading account assets that include corporate securities, trading loans, and other instruments?", "4122c083-a701-4e14-a361-b27cf1827e98": "What is the significance of the weighted average yield for commercial loans, debt securities, and other financial instruments?", "44fba0e4-7246-4e7a-a7a8-39f2979a1b61": "How does the fair value of AFS debt securities related to non-agency residential compare to that of instruments backed by commercial real estate assets?", "e1dc73d8-a993-4156-b1e5-5154429815c1": "What is the default rate range for sovereign debt as mentioned in the document?", "da16ad7d-1c33-47a8-bbf2-4ba518717bfa": "How is the loss severity for mortgage trading loans characterized in the document?", "cc9d79d6-7e1c-45ab-91f9-ef9aeb2b4ca2": "What is the price range for AFS debt securities as indicated in the document?", "7bb13a8c-8b03-4ea9-8a65-0f2f6e15c3c9": "What is the weighted-average life for fixed-rate MSRs according to the provided information?", "2067af7f-17a0-4bac-a002-c038aa833447": "What discount rate is applied to the discounted cash flow analysis in the document?", "75330a97-8c7b-410a-b2e5-21fd07586918": "How much are the total net derivative assets (liabilities) reported in the document?", "8825049c-fcdf-4609-bea1-40a7c40c55b4": "What is the range of equity correlation values mentioned for equity derivatives?", "4cd56892-8463-4bab-a33b-1aa2ed22edd5": "What models are referenced in the document for pricing structured liabilities and net derivative assets?", "765bc9a0-277a-4ee4-a39a-c54856d1d9be": "What is the natural gas forward price range provided in the document?", "f3985444-c3c9-41ae-a198-cbe332a02ab4": "How are the categories of loans and securities aggregated in the document?", "370ba0e6-257e-4562-a700-712d556efb44": "What is the total amount of sovereign debt mentioned in the document?", "bd30016c-43c4-42c9-ba8a-47ed4edb06c3": "How much are the trading account assets related to mortgage trading loans, MBS, and ABS?", "8d91036d-f9e3-45a3-85b9-346799806755": "What financial models are included in the document for analyzing market dynamics?", "d10e8d3c-b25a-4ef9-8b90-6cf1a48b1b7b": "What does CPR stand for in the context of the document?", "3feefb2e-0cbc-451e-8b94-f1914fc21686": "What is the significance of the weighted-average life mentioned in relation to market rates of interest?", "a3636b3c-f70c-48b9-b3f0-4a3a3ebdfbd0": "How much are the other debt securities carried at fair value, specifically non-agency residential?", "992082d0-9136-48c5-a173-665dcdb4b5e0": "What are the total assets listed under \"Other assets, including MSRs\" in the document?", "dd19d8f1-d3d0-46db-86ab-10e941ab0eaa": "What does CDR represent in the financial context provided?", "428a2085-fbd0-4f31-9b1d-85f4d124c860": "How much are the loans and leases mentioned in the document?", "8d0d9717-b90d-4339-8fb9-1eabbdf1f8ac": "What methods are used to model the joint dynamics of interest, inflation, and foreign exchange rates?", "060b0136-59f2-44eb-a410-8025fa14044f": "What is the total fair value of instruments backed by residential real estate assets as of December 31, 2022?", "4b41e1b7-48de-4ef2-9f7b-3cc54125d27d": "Which valuation techniques are used for loans and securities backed by commercial real estate assets?", "95d355ca-927a-4260-821a-e574915800dd": "What is the range of the yield input for instruments backed by residential real estate assets?", "d232d872-b9c7-4767-832d-2db0aaddd7f7": "What is the weighted average prepayment speed for trading account assets related to mortgage trading loans, MBS, and ABS?", "ae66b115-466d-429b-a50c-16ab0951c5b8": "How does the default rate for loans and leases compare to the default rate for trading account assets?", "872f2647-59d7-4c9d-bfc5-1d26bcf20811": "What is the fair value of AFS debt securities that are classified as non-agency residential?", "25776eb2-d225-4591-b9d0-3e6dd1232f1e": "What significant unobservable input is used for the valuation of commercial loans, debt securities, and other financial instruments?", "1c3fbb5e-8e67-4383-b85e-a73b09616b32": "What is the loss severity range for other debt securities carried at fair value that are non-agency residential?", "a4e72f00-13c4-4faa-abe7-954c2e00f29a": "How much fair value is attributed to trading account assets related to corporate securities, trading loans, and other instruments?", "6bd18066-f62e-4abc-96da-a18a509d8940": "What is the weighted average price input for AFS debt securities classified as tax-exempt securities?", "396ee032-6a88-4582-acd8-2ea023d9efa9": "What is the default rate range for sovereign debt as mentioned in the document?", "90997f59-0500-4550-a589-35199baabf9d": "How is the loss severity for trading account assets categorized in the document?", "7ae77a8b-da3c-4d55-a736-843bde612876": "What is the price range for AFS debt securities classified as tax-exempt securities?", "bc1eb021-7f6f-4c53-aa7d-58af3b868bb1": "What is the weighted-average life for fixed-rate MSRs according to the document?", "74ae6692-8a24-491b-9cf9-efb52abae2c2": "What discount rate is applied to the discounted cash flow for structured liabilities?", "3adee290-84c5-4aa3-9764-09fe22c4896c": "What is the equity correlation percentage range for equity derivatives mentioned in the document?", "f0b25346-f0c6-4a8c-bf87-62fa2bd076d8": "How much are the total net derivative assets (liabilities) reported in the document?", "921fb8a0-cfcc-48f8-b407-addd3976b64e": "What is the range of natural gas forward prices provided in the document?", "d8657321-28a5-45e7-947d-c7291eadeef4": "What is the option-adjusted spread for variable rate loans as stated in the document?", "364069d4-5eda-46ad-a3d9-57dba73010f7": "How are the categories of loans and securities aggregated in the document?", "57588044-3e7d-4692-8301-bb7a73836fbb": "What are the categories of trading account assets mentioned in the document, and what are their respective values?", "9d060425-8cd3-4eac-a900-b84c7a4552a6": "Which models are included for financial analysis in the document?", "556d77ed-131f-4465-9aac-f4dfd8f1b7ff": "What does CPR stand for in the context of the document?", "bbe8ae11-f4a8-40d1-ba23-671583aaca8d": "How is the weighted-average life affected according to the document?", "c17e9bb4-f627-45f4-bec3-9ad587c2c651": "What is the significance of the term \"n/a\" as used in the document?", "4d16d428-4a85-4f32-a902-3c1ecc3172db": "What types of debt securities are classified as \"Other debt securities carried at fair value\" in the document?", "27cafc7c-d822-421f-b824-a62bc836c0d4": "How much is reported for \"Other assets, including MSRs\" in the document?", "4ae081cd-87c5-43b2-a469-1bd6d97e4ff7": "What financial metrics are represented by CDR and MMBtu in the document?", "f8a920e4-825e-4451-8fce-f0aede81c47d": "What is the total value of Trading account assets related to Corporate securities and Non-U.S. sovereign debt combined?", "476f5162-6f3b-4904-957c-3b5828ee8d67": "What factors are mentioned that influence the weighted-average life in the document?", "5963feee-5677-4ff6-9b5b-9c60c8e034e9": "What types of financial instruments are backed by residential and commercial real estate assets according to the document?", "6f110722-03d4-4c33-8eb1-7acc81c7539c": "How does the Corporation estimate unobservable inputs for corporate debt securities?", "c91a7e55-eb80-4703-baff-91e4ce0f4e04": "What factors could lead to a significant decrease in the fair value of long positions in loans and securities?", "f1fb69c2-eb11-4d53-9eb4-1c2bc5d94036": "How do changes in prepayment speeds affect the fair value of different financial instruments?", "15177441-a64b-46b9-8a1e-04b7a02c659c": "What is the impact of a significant increase in market yield on credit derivatives for protection sellers and buyers?", "e7885abf-9644-4787-8021-8be8a0c8978a": "How does default correlation influence the fair value of structured credit derivatives?", "633c5c76-ed6c-4f21-bda4-670df324947b": "What types of derivatives are mentioned in the document, and how are they affected by changes in long-dated rates and volatilities?", "6656b765-5063-4c78-bf8f-ce01d841ff80": "What is meant by \"nonrecurring fair value\" in the context of the Corporation's asset measurements?", "4c70f103-2734-4534-886b-b6c9c068e556": "In what situations are certain assets measured at fair value only, as mentioned in the document?", "06844e8b-d16f-4fa1-b428-ef0350c9a1c9": "How do the levels of aggregation and diversity within disclosed products affect the distribution of input ranges?", "4afa37a4-7d36-4f02-8185-73b9076fb7d5": "What is the significance of a significant increase in yield or decrease in price for structured liabilities according to the document?", "49530d44-9481-4616-9d83-f29744d86537": "How are nonrecurring fair value measurements defined in the context of the Corporation's assets?", "26465266-4b4a-4703-8fed-74a650ce68e5": "What types of assets are measured at fair value on a nonrecurring basis as of December 31, 2023?", "ddb4d4c5-396f-45e0-82bc-b3825c7b8d1e": "What were the losses recorded for loans held-for-sale in 2023, and how do they compare to the losses in 2022?", "f6c9fdad-cfae-4691-b101-f0d2da9c3269": "Which level of fair value measurement includes loans and leases as of December 31, 2023?", "fe707f1c-58a3-459b-a699-e70bd7878b7c": "What is the total loss recorded for other assets in 2023, and how does it compare to the losses in previous years?", "22a73ab1-8167-4f49-a023-9dc5336041e5": "How much were the losses on foreclosed properties during the first 90 days after transfer, as mentioned in the document?", "c3b311c7-4dcd-4793-978c-197c49b19bf0": "What specific types of properties are excluded from the losses on foreclosed properties as of December 31, 2023?", "d7af7c86-829b-42dd-ad41-534f5f48f623": "What is the fair value of the impaired renewable energy investments mentioned in the document?", "864b7efc-7c02-4686-9754-f8dad429314a": "How does the Corporation's fair value adjustment for loans and leases in 2023 compare to the adjustments made in 2021?", "78a8920c-1568-4490-a578-a69471615791": "What significant unobservable inputs are utilized in the Corporation's nonrecurring Level 3 fair value measurements for the year ended December 31, 2023?", "e7be31aa-609d-4ad8-8764-580dc38e30e6": "How does the Corporation determine the fair value of loans held-for-sale according to the document?", "23f4052d-82e1-4095-a0aa-f39c26243ce8": "What valuation technique is used for other assets, and what is the significant unobservable input mentioned in the document?", "55cc894a-cafc-4ca2-acaf-3b482d4bb5a6": "What are the ranges of implied yield for loans held-for-sale for the year ended December 31, 2022?", "306f2f82-f9f9-42c7-a8fb-5804d267086a": "How does the Corporation mitigate credit risk for loans and loan commitments that exceed single-name credit risk concentration guidelines?", "38ca1df9-2a86-46fd-83e5-7263ab619fa8": "What is the purpose of electing the fair value option for loans reported as trading account assets?", "3d45016f-f563-468a-821f-a4ee31d5e933": "What discount rate is applied in the discounted cash flow valuation technique for other assets as of December 31, 2023?", "74efa86e-d1dc-4297-bf92-7003c69db74f": "What is the weighted average OREO discount for loans and leases in the year ended December 31, 2023?", "eb8b6d29-dcf0-477f-b091-08bfd5853195": "Why has the Corporation chosen not to account for certain loans held-for-sale under the fair value option?", "941b81e5-5fce-4762-a3be-724c771c9863": "What is the significance of the fair value option in reducing accounting volatility for the Corporation's financial instruments?", "e3c5c5cc-77d2-434e-b731-512a2da82b15": "What types of loans does the Corporation choose not to account for under the fair value option?", "e96ca17d-4ef6-4690-b592-f4c7a4e3c216": "Why does the Corporation elect to account for certain loans as Trading Account Assets?", "a100917e-64e3-4a0f-9213-d55e244698b3": "How does the fair value option help the Corporation manage accounting volatility related to long-term fixed-rate margin loans?", "748e26b8-7015-40c3-b269-99cb55478264": "What types of agreements does the Corporation account for under the fair value option in relation to Securities Financing Agreements?", "39b117de-3b42-4166-9140-04eb253cd214": "Why has the Corporation not elected to carry other long-term deposits at fair value?", "ae11fd72-ebad-499c-a7e0-caac2238aa96": "What is the primary reason for the Corporation to account for certain short-term borrowings under the fair value option?", "51be1a3d-3896-4b28-9f3b-e1d5275aa4c8": "How does the Corporation manage the risk associated with loans that are held for trading purposes?", "14b4e671-90c5-4d6f-9632-a55d7c59be5f": "What is the significance of hedging with derivatives for long-term fixed-rate deposits in the context of fair value accounting?", "dc60e8bb-b5d3-4cf8-9578-941a026e14e5": "Which types of collateralized agreements are included in the Corporation's fair value option elections?", "0c110569-11ce-457c-aedb-e88b25ccdf47": "What is the impact of accounting for financial instruments at historical cost versus fair value on the Corporation's financial reporting?", "7cf4de9a-c988-4b29-aa57-bafe9a75ca14": "What accounting method does the Corporation use for certain asset-backed secured financings to reduce accounting volatility?", "b2488b25-0ba8-47af-9be6-46da42a4f614": "How does the fair value option affect the Corporation's long-term debt accounting?", "a89d3c66-e525-488b-b88d-31cd3fea0580": "What types of liabilities are primarily accounted for under the fair value option according to the document?", "bc295535-2bc2-4fb4-a3f6-41de634e310a": "As of December 31, 2023, what is the fair value carrying amount of loans reported as trading account assets?", "4f239c22-1618-4934-910a-32e2ffadcb1c": "What is the significance of the notation \"n/a\" in the provided tables?", "8952e315-65f4-47e3-a4ee-b0a0f669c89e": "How much did the Corporation report as long-term debt on December 31, 2022?", "3f2198fd-e850-45e7-8b25-c76c3ee2b8c9": "What is the fair value carrying amount of consumer and commercial loans as of December 31, 2023?", "6a0a042b-9a34-42c1-b9ff-de9a90ee23d3": "What impact do distressed loans have on the Corporation's trading account assets and loans held-for-sale?", "15fc4f63-21aa-4881-9088-087d863e0379": "How does the Corporation account for changes in the fair value of assets and liabilities under the fair value option in the Consolidated Statement of Income?", "90ce1419-c73c-4a50-8168-df3b1129691d": "What was the contractual principal outstanding for federal funds purchased and securities loaned or sold under agreements to repurchase as of December 31, 2023?", "be4fbafa-0d84-4e9f-a3c7-d42750216a0e": "What are the total gains (losses) related to assets and liabilities accounted for under the fair value option for the year 2023?", "edd8ca46-64a4-499d-99cf-6119480c472a": "How do the gains (losses) in market making and similar activities relate to trading liabilities?", "cac4e59d-3f50-454d-8231-37aabae202a7": "What was the amount of consumer and commercial loans reported in 2023, and how does it compare to the previous years?", "60aa13b5-f354-49e5-b17b-e2814571ac57": "What is the significance of the value of Interest Rate Lock Commitments (IRLCs) on funded loans mentioned in the document?", "1583a950-5c99-4ba2-8981-de1b8b100220": "In 2022, what were the total gains (losses) reported for loans held-for-sale, and how did it impact the overall financial results?", "ae18e54b-1989-4ad1-a6aa-7486348db8ea": "How are the net gains (losses) in market making and similar activities typically offset according to the document?", "95af8219-e9fb-41ee-922a-58ce803e759b": "What information can be found in Note 14 regarding the cumulative impact of changes in the Corporation\u2019s own credit spreads?", "618f8a6b-8b6b-49db-9d68-830eab386590": "What were the total gains (losses) from trading inventory in 2023, and how does it compare to the previous years?", "976ccbb3-3297-437b-8c84-265b8a26eaa7": "What types of assets and liabilities are included in the total gains (losses) reported for the fair value option?", "2a5dfd34-31c3-41a3-aeaa-06668778c24b": "How did the long-term debt impact the overall financial results in 2023 compared to 2022?", "1f8f2992-faeb-4c13-a3f8-58654b103f7b": "What financial instruments are included in the value of IRLCs on funded loans as mentioned in the document?", "5a140f5f-ad5c-4bc1-abc7-803b06421bbd": "How are net gains and losses in market making activities typically offset according to the document?", "71e88bc4-7d27-4846-99c4-d799c6cacfaf": "What does Note 14 refer to in relation to the Corporation\u2019s own credit spreads?", "f701072c-8232-466d-978e-8d0b38a5ac31": "What types of loans are reported as trading account assets for the years 2021 to 2023?", "57e0841b-5898-408c-b092-4c108389245c": "How does the Corporation account for certain financial instruments under the fair value option?", "49cfa15c-ae6c-483d-a6c3-b9f4d3d548d2": "What is the significance of the cumulative impact of changes in the Corporation\u2019s own credit spreads?", "c2d9e92d-62fd-458c-a9c0-ef10662ea3aa": "What types of financial instruments are classified within the fair value hierarchy as described in Note 20?", "397ee421-73bb-4c13-bcc1-15067c22adfd": "How does the carrying value of short-term financial instruments compare to their fair value?", "ae868451-edae-40bb-973c-b1f31a05f74d": "What are the reported gains or losses related to borrower-specific credit risk for loans held-for-sale in 2023?", "301a1787-9199-45bc-a8d8-9d52188aa976": "What types of short-term financial instruments are mentioned in the document that approximate their fair value?", "2b179d0a-dbbe-42f1-8a04-992a15642653": "What classification do cash and cash equivalents fall under in the fair value hierarchy as of December 31, 2023?", "7c0572f2-1d43-4644-8aba-22ed1cb78845": "How are resale and repurchase agreements classified in the fair value hierarchy?", "b5843e1e-616c-4078-8f0d-7661c03cf96e": "What is the carrying value of loans held-for-sale as of December 31, 2023?", "a27ab86c-dbfb-45ac-9113-f5835104c935": "Which business segments does the Corporation report its results of operations through?", "8c2d5cf4-4802-4ee0-9161-5227e149b31f": "What types of products and services does Consumer Banking offer to consumers and small businesses?", "f00ce564-8e54-46bd-b4f3-92f821b6248f": "How does the Corporation classify short-term borrowings in the fair value hierarchy?", "e1345a47-b2ec-4ae5-8bf2-15b2346dd3a3": "What is the total fair value of long-term debt as of December 31, 2023?", "ea01dfaf-a12b-4229-8e20-17bb3d85b368": "What is the significance of the $897.3 billion and $918.9 billion demand deposits mentioned in the document?", "ed6ff3d8-8da1-4006-af02-2e39dc4c4c49": "Why does the Corporation not estimate the fair value of consumer unfunded lending commitments?", "852c620c-988b-405a-8d9e-e319480cf86c": "What is the role of Global Wealth & Investment Management in relation to clients with over $250,000 in total investable assets?", "02d33efe-00fd-4dfd-b0e6-a148203dfb8b": "What types of products and services does Consumer Banking offer to consumers and small businesses?", "af79677f-8ad8-4b7a-a9c4-e961eb7bb3de": "Who are the primary clients of Global Wealth & Investment Management (GWIM)?", "d83c6523-43f2-4778-9323-6fa874d0cda9": "What are the main activities included in Global Banking's services?", "3b952b15-1636-4843-8a0c-830d3fec7f08": "How does Global Markets support institutional investor clients in their trading activities?", "8ea12c6e-c1fb-4897-ada1-367a5e7093ea": "What is the significance of the internal revenue-sharing arrangement between Global Banking and Global Markets?", "32e40bff-4a35-4a6e-8af5-fcc1f9fc4b5c": "What does the \"All Other\" segment primarily consist of in the context of Bank of America's business segments?", "e9e9981e-f830-4d55-ba17-cb8c6becb2f8": "How does Bank of America derive segment and business results in its management accounting and reporting process?", "25e389c7-02be-4817-8e53-f04410581e20": "What methodologies are used for revenue and expense allocation in Bank of America's financial reporting?", "30ad7d96-b2c0-4a2a-9c80-6af65659f20e": "What types of risk management products does Global Markets provide to commercial and corporate clients?", "d98da786-8732-4702-8759-6f587ce9199c": "How does the adjustment of net interest income to an FTE basis affect income tax expense in Bank of America's financial results?", "deae33f8-83e8-46eb-8ec4-2d7935d64abf": "What is the primary focus of the Corporation's funds transfer pricing process as described in the document?", "a3cfb4dc-ef96-466c-9df3-89f9b1e9ebe7": "How does the Corporation manage interest rate risk according to the provided information?", "2d0baa82-5410-4ffc-b546-2a570bb6f90a": "What are the components of net interest income for the Consumer Banking segment in 2023?", "f55fb55f-766b-4706-a2fa-e770aab14d6d": "What was the net income for the Global Banking segment in 2023?", "3465520e-81e4-45b1-9659-72759fd82d32": "How are expenses that are not directly attributable to specific business segments allocated according to the document?", "4738e636-9a75-4cfa-8e6a-9e05dc57fe17": "What was the total revenue, net of interest expense, for the Global Wealth & Investment Management segment in 2022?", "af15a12e-3dc1-497b-88a6-e896eac47c32": "What methodology does the Corporation use to allocate costs for centralized or shared functions?", "10a562bb-dedd-4167-b329-dc4ec10d8804": "How did the provision for credit losses change from 2022 to 2023 for the Consumer Banking segment?", "c522880c-ebb6-4752-a484-3758974dc530": "What was the year-end total assets for the Corporation in 2023?", "2c8d1bc7-6534-4b6e-8b52-77461272cb13": "What trends can be observed in noninterest income for the Consumer Banking segment from 2021 to 2023?", "5c0db5fb-f2c3-4a17-b3ec-a343f181e9dd": "What was the net income for Global Wealth & Investment Management in 2023?", "2d8f93e8-782e-4d37-91ed-d3dfc99f6d97": "How did the noninterest income for Global Banking change from 2022 to 2023?", "eaf85ba8-d29e-4ad0-aaac-d77fb415369d": "What was the provision for credit losses reported by Global Markets in 2023?", "b26cf107-858a-43d5-9e85-1aa572f8da19": "What is the total revenue, net of interest expense, for All Other in 2022?", "7dd1f223-67e3-4f1b-b98e-905f3d2266f5": "How much did the income tax expense for Global Wealth & Investment Management increase from 2022 to 2023?", "1cee173e-0b11-4558-b77c-1f29a89af306": "What were the year-end total assets for Global Banking in 2021?", "809628c8-d916-4881-98b2-50ac58ef8f98": "What is the net interest income for Global Markets in 2022?", "5004f64b-72cf-4f83-9cc9-61abc77d3d68": "How did the net income (loss) for All Other in 2023 compare to the previous year?", "a1944346-b10f-4395-81bc-2f3a1eb58bae": "What was the noninterest expense for Global Wealth & Investment Management in 2021?", "e2f28ea8-1844-49f2-b9bc-3a592f13ad37": "What was the total revenue for Global Banking in 2023?", "32fd3016-53a4-4809-90c4-5632d406e149": "What was the total noninterest income for the Corporation in 2023?", "a88b31b4-63d2-4ae7-959a-331952c34b93": "How did card income change from 2022 to 2023 for Consumer Banking?", "d8808451-3707-4ff3-84e5-dfdcb7a49c0e": "What are the components included in the investment banking fees for the Corporation?", "144452a1-6af0-4b60-945f-545353d4dc95": "Which business segment reported the highest asset management fees in 2023?", "88c2d842-2922-4e15-a457-172df6ab1735": "What was the total amount of service charges for the Consumer Banking segment in 2022?", "6c13dca8-8790-4b8a-917d-10fc5b7dee8b": "How much did other income (loss) fluctuate from 2021 to 2023?", "91f84797-ae14-4fc8-a586-721fde573853": "What was the total fees and commissions for the Global Wealth & Investment Management segment in 2023?", "a998335d-e963-4001-bfde-b65b388388f8": "How did the total noninterest income for All Other compare between 2022 and 2023?", "b4f16fe3-9b1e-4748-b056-e11466898b7d": "What was the trend in underwriting income from 2021 to 2023?", "750c9b57-f890-4d04-9098-5c21390c184a": "Which segment had the lowest total investment and brokerage services income in 2022?", "eb2c3900-a947-4e98-a2ca-f98134738ed8": "What is the total noninterest income reported for the year 2023 in the document?", "02d249f3-25dc-488f-be05-813fc47b02c5": "How much did the investment banking fees amount to in 2022?", "d379dfb2-9710-45f2-89a2-28fb9bf3245e": "What are the components of the total fees and commissions listed in the document?", "3d794501-e6b8-433c-b411-d39aea079255": "Which category shows a significant loss in other income for the year 2023?", "0be293b5-2405-4f0d-95ab-745a2e7f302e": "What was the card income from interchange fees in 2021?", "3b8b2871-63c9-4b7f-8cb9-63412c612dc4": "How does the market making and similar activities income for 2023 compare to that of 2022?", "5586d753-8161-4630-8cbb-666b394a1d1a": "What was the total service charges reported for Global Banking in 2023?", "d94227c6-9dfc-427d-8e2f-124a3a45b862": "Which year saw the highest underwriting income according to the document?", "40068d12-bd6c-48e9-b8ec-a77b0ec1ffdf": "What is the trend in lending-related fees from 2021 to 2023?", "06642bef-b16a-4313-b29e-94beb27d055b": "How much did the total fees and commissions decrease from 2022 to 2023?", "390ab118-0190-48eb-80a1-a952deac9499": "What is the total noninterest income reported in the document?", "f88c6737-e461-475d-9f0e-684ad0de9b0c": "How much income is attributed to market making and similar activities?", "6aa02817-619c-4bb7-9ceb-fb1b393d5e46": "What is the value of \"Other income (loss)\" as mentioned in the document?", "03929e19-22f9-44d1-b765-990d33863ae3": "What are the figures for total noninterest income for the years listed in the document?", "b3ff3dd8-6e9e-4072-b12a-4b1b97faa5e0": "Which financial institution is referenced in the document?", "04fd90a4-8c04-440e-b43b-d925aa909aad": "What does the document indicate about intercompany transactions?", "e6594c5d-c8e8-4e2e-9ce5-6e8929942a06": "What is the significance of the numbers listed in parentheses throughout the document?", "6aaa69f6-70f6-49f7-80e2-fef3deaaa5f3": "How does the total noninterest income compare between the reported years?", "2eef1fea-3eb0-41a9-8d34-d9336af1ffbc": "What are the individual components contributing to the total noninterest income?", "51489729-5e26-4dea-b266-2d21c90abc34": "What is the value of the highest reported noninterest income figure in the document?", "bf3c88a4-39d0-4b1a-ab97-8876cecef0f3": "What was the total revenue for the business segments in 2023, net of interest expense, on an FTE basis?", "34653521-4594-446f-86e4-7079e7e97ce0": "How much did the adjustments for liquidating businesses, eliminations, and other amount to in 2023?", "bff704f6-4930-4908-aba3-1a69fcfb486b": "What is the consolidated net income reported for the year 2022?", "6567ca3f-1dbb-4c57-b04c-181dd7602812": "What were the total assets for the business segments as of December 31, 2023?", "6267b398-3b22-44dd-a3d1-e7380163f612": "How did the consolidated revenue for 2023 compare to that of 2022?", "c1a8f987-83b7-4835-a6a6-ad0bb620ff9f": "What adjustments were made to the segments\u2019 total net income for asset and liability management activities in 2023?", "cfebe089-c709-49eb-a8d1-6733ede6c36d": "What is the total amount of adjustments related to asset and liability management activities, including the securities portfolio, for the year 2023?", "e991f67b-0bd6-4cf4-b17d-b1fd42bf4ff7": "What was the consolidated total assets figure for the year 2022?", "a8eedfc9-697a-409b-83c9-c0c872c6c1f4": "How much did the segments\u2019 total net income decrease from 2021 to 2022?", "7b78d70b-3b69-4ca8-9cb2-51c6949b9cd1": "What does the note regarding adjustments indicate about the income, expense, and asset amounts in relation to individual business segments?", "17ebe092-4c5b-4399-b789-508c53e95b7a": "What was the total income reported by the parent company in 2023?", "a23f6731-99ee-47ef-b3c6-bc5105f5d635": "How much did the parent company earn from dividends from subsidiaries in 2022?", "b93d0d6d-b988-4926-9ca6-de0aa6ce4077": "What was the net income for the parent company in 2021?", "10fe5afd-5510-45b0-ba9c-e826e109c35f": "What are the components of the total expense for the parent company in 2023?", "203a52c2-3a42-468a-8fe2-50b156536f6e": "How did the income tax expense change from 2021 to 2022 for the parent company?", "96b4f474-815e-4898-873c-0643324b1a3e": "What was the equity in undistributed earnings of bank holding companies and related subsidiaries in 2023?", "55b96f5c-4ea6-42e9-bf13-135c85dc4c27": "How much interest did the parent company earn from subsidiaries in 2022?", "5358f2a4-9dea-4ec2-88ce-d77ea3665aa4": "What was the difference in noninterest expense between 2022 and 2023?", "0a70e925-a945-494a-ac5e-6304011f3f4c": "What was the total equity in undistributed earnings (losses) of subsidiaries for the parent company in 2023?", "d0a8a619-05d2-4f66-807f-74968b1234f6": "How much did the parent company report as other income (loss) in 2023?", "4341ac7b-e9bd-42d4-ab24-2f7f8abb9748": "Here are 10 diverse questions based on the provided condensed balance sheet and statement of cash flows for Bank of America:", "8759709d-fede-4b2e-b035-e0cb92f19780": "What was the total amount of assets reported by Bank of America as of December 31, 2023?", "a0eedf21-cbf1-4e2f-a553-c296e890fdd0": "How much cash was held at bank subsidiaries by Bank of America at the end of 2022?", "393e68a9-fc0f-4ed1-a4ce-80042376fc1b": "What was the net income for Bank of America in 2023?", "eb7cc94e-5db7-4430-84f9-31f4db371c97": "What were the total liabilities reported by Bank of America as of December 31, 2023?", "42d02db0-1de5-49bd-8f58-5e4cd170ba66": "How did the net cash provided by operating activities in 2023 compare to the previous year, 2022?", "4e1f639a-6fa1-4754-8aaf-d070cbb5be59": "What was the amount of long-term debt for Bank of America as of December 31, 2023?", "2734b4f1-156e-4611-ac8c-5f25d03ca63d": "How much did Bank of America pay in cash dividends in 2023?", "c729ba6c-12ec-4b47-9668-15e7490188c5": "What was the change in cash held at bank subsidiaries from January 1, 2023, to December 31, 2023?", "aa855fc1-831b-4efe-942a-614f5a8518ee": "What were the net payments to subsidiaries reported in the investing activities for Bank of America in 2023?", "ea31cb55-94e6-4aa9-b2c8-ae7d955d2c44": "What regions are identified in the Corporation's performance by geographical area for the year 2023?", "ce68b398-eb3b-4d58-a540-c86ee19b3e14": "How does the Corporation allocate revenue to match with related capital or expenses in different geographic areas?", "a4107b6d-bd6c-4c3a-bb55-37531fdf2532": "What was the total revenue, net of interest expense, for the U.S. in 2023?", "7b18b51b-5b40-42f8-aae7-5730c62e1a12": "Which geographic area showed the highest net income in 2023, and what was the amount?", "4efd403e-a3b0-482a-8c4f-ffb0455ccf3f": "What were the total assets for the Corporation at the end of 2022?", "fd2068f8-8e2e-4b5a-8c80-ef1e54f3848c": "How did the total revenue for Asia change from 2022 to 2023?", "12c7b591-3145-4609-a933-e83fed37c34c": "What is the significance of long-lived assets in the context of the Corporation's total assets?", "efe297c9-5543-4416-bdff-1587d0f5e37c": "What was the total consolidated net income for the Corporation in 2023?", "b719a40e-4664-4bd2-90ea-b8401afc1661": "Were there any material intercompany revenues between geographic regions for the periods presented in the document?", "ce645c08-6426-44fc-883b-20bd05540b60": "What trend can be observed in the net income of Latin America and the Caribbean from 2021 to 2023?", "14d473c9-f72b-4f19-9f27-cc5b2553abc6": "What is an Alt-A mortgage and how does it differ from prime and subprime mortgages?", "1cc43575-a5ef-4744-9e13-d8e5bd973ad7": "Define Assets Under Management (AUM) and explain its significance in investment advisory.", "aacb2d9e-d2ef-4d61-b8cd-796a39050066": "What constitutes the Banking Book in a financial institution?", "da9c764d-3391-475d-89d8-414a7b4e5bb9": "Describe what Committed Credit Exposure entails in the context of lending.", "808dd4bb-8a6f-4147-a1e2-62371b94e1ce": "What are Credit Derivatives and how do they provide protection against credit events?", "2dd9e423-f498-41e3-8412-0eed433610a7": "Explain the purpose of a Letter of Credit and how it functions in financial transactions.", "459fcf1c-6230-43d9-9211-2812bfdea30d": "How is the Loan-to-Value (LTV) ratio calculated and why is it important in assessing credit quality?", "98872378-db09-405e-8352-a20e9dacd95c": "What is a Mortgage Servicing Right (MSR) and what responsibilities does it entail?", "1318892b-b1e7-44a1-935c-ba75d7696f0b": "What does the term Nonperforming Loans and Leases refer to in banking?", "60d5db0b-552d-4182-a9a9-1c4ebe4422bb": "What is the Prompt Corrective Action (PCA) framework and what categories of capitalization does it include?", "3d9302d5-8dfb-4006-a346-e4ebd35ceeb2": "What are nonperforming loans and leases, and how are they classified in the context of financial institutions?", "c0a3be35-87f9-4c43-93b0-00425f82865f": "What is the purpose of the Prompt Corrective Action (PCA) framework established by U.S. banking regulators?", "5c5db0b7-f196-4b02-b6b1-805d4074091e": "How are subprime loans defined according to the Corporation mentioned in the document?", "b8b35562-2f27-456a-b455-297e909075f0": "What constitutes a Troubled Debt Restructuring (TDR) in the context of loans?", "ca1fde8f-fb83-4a6c-b2f0-7363e3c86d78": "How does the Value-at-Risk (VaR) model assist in managing trading portfolios?", "edee479b-23d9-4ea9-8d03-d6b3385159e7": "What are the five categories of capitalization under the Prompt Corrective Action (PCA) framework?", "e4f1ed7f-5199-4195-a067-784d3cc08f8d": "In what circumstances might a loan be placed on nonaccrual status?", "f069d69b-8714-4f80-947b-f409d25cf4c6": "What implications do capital levels have for insured depository institutions under the PCA framework?", "c076f54c-844a-4735-bc37-811ff1ff1f37": "How does the definition of subprime loans differ from standard industry definitions?", "5a1f78bc-6546-4236-b2dd-12bfd0930ffa": "What is the significance of simulating a portfolio under hypothetical scenarios in the context of Value-at-Risk (VaR)?", "71ec4930-4625-44ef-9534-be77f98db625": "What is the definition of \"Active Digital Banking Users\" as described in the document?", "7077ba1e-ecad-4557-805b-a331eea443f5": "How is the \"Common Equity Ratio\" calculated according to the provided metrics?", "091bb8bb-c106-4bff-a21a-f0a2d0f3270d": "What does the \"Efficiency Ratio\" measure in the context of banking?", "46f0b1a8-495d-4e0b-bd58-86ae13e87706": "How is \"Net Interest Yield\" determined based on the information given?", "e02acbc7-e198-4edf-9916-fe0a32c7b77e": "What does the \"Dividend Payout Ratio\" indicate about a bank's financial practices?", "2789e1c6-db35-4c36-bc13-aa69f7fe33a9": "What is the significance of the \"Return on Average Assets\" metric in evaluating a bank's performance?", "59a69948-3dd8-437c-9e20-ce550f30d793": "How is \"Deposit Spread\" calculated, and what does it reflect about a bank's operations?", "c83c025c-55e1-4593-94f7-5199e5c3b3ae": "What does the \"Operating Margin\" represent in the context of a bank's financial health?", "dd58fab4-9b35-47fd-bbab-b3786e3b0bb6": "How is \"Book Value\" defined in the document, and why is it important for shareholders?", "1f571125-3043-4974-9836-716c039a9a0f": "What does the term \"Risk-adjusted Margin\" refer to, and how is it calculated?", "12cb2110-5e34-4ade-93a8-ac2e5365b9e6": "Here are 10 diverse questions based on the provided document:", "bf4e30b8-6d58-4bf2-bb0a-ecc54b7db619": "What does the acronym ABS stand for in the context of finance?", "5d4ac959-7c6c-4edd-8661-ec2910bc3b62": "Which regulatory body is referred to by the acronym CFPB?", "a63f36e2-5351-4eb4-8a20-8c542468ebc1": "What is the meaning of the acronym ALM in asset management?", "a11520d5-1ec1-4179-95dc-c98690b32e77": "What does the term \"CLO\" represent in financial instruments?", "6bd9e6f8-a4bd-46f8-8402-b2a328de7773": "Which act is abbreviated as CCPA and what does it pertain to?", "26870202-662e-4cfe-90a8-a8c6411cda37": "What is the significance of the acronym CET1 in banking regulations?", "13996395-698d-4d8d-ba28-039ce2b79022": "What does the acronym ESG stand for and why is it important in investment decisions?", "26cacdb0-8503-4bd6-9d09-a162f612ef56": "What type of financial entity does the acronym GSE refer to?", "51ac8b87-18e9-4bfb-8e56-53ef8f34f938": "What does the acronym FICO represent in the context of credit scoring?", "f1a14d3e-f987-43fe-98b7-6e4653d69c1c": "What does LCR stand for in the context of financial regulations?", "377b8013-66f1-4bec-80ff-69193ce70ad2": "Which organization is represented by the acronym OCC?", "c60cecce-f56b-4c23-8026-d9a6f2c5db5b": "What is the meaning of the term \"LTV\" in relation to loans?", "8f5544bc-096b-42f2-8f9d-56def4c24662": "What does the abbreviation MBS refer to in the financial sector?", "42d15ef8-d169-4628-aa92-88830b60a632": "What is the purpose of the Management Risk Committee (MRC)?", "5b4dfbd6-6699-4961-9a49-2d06fe59ca93": "What does the acronym NSFR represent in banking terminology?", "ff822033-5f2a-4341-945d-1ff8c2cc8acb": "What type of financial instrument does the abbreviation RMBS denote?", "ee226aa2-d73c-48bb-a90c-579711261025": "What does the acronym PCA stand for, and what is its significance in banking?", "3ebeccfe-d6fc-49aa-a3ea-4710d2b0ef80": "What is the definition of \"TDR\" in the context of financial restructuring?", "409f33f3-d05d-4e6e-b3fa-d0b4338747ea": "What does the term \"VaR\" represent in risk management practices?", "67277592-95d1-4810-ab93-093676f7fcd1": "What was the conclusion of Bank of America's management regarding the effectiveness of their disclosure controls and procedures as of the end of the reporting period?", "9847099d-5001-4a79-8c53-ef5808e09a3e": "Did Bank of America report any changes in their internal control over financial reporting during the quarter ended December 31, 2023?", "a26dee81-948a-48ad-a12e-d8fe6c6ac2ec": "What activities did Bank of America disclose pursuant to Section 13(r) of the Securities Exchange Act of 1934 for the quarter ended December 31, 2023?", "dc057fee-c53a-4ed1-ba91-0363d1f81e6a": "How many authorized wire payments did Bank of America process during the fourth quarter of 2023 related to Afghanistan?", "8e6ee3dc-6285-4d14-9a75-fafcf89824a2": "What was the total amount of the wire payments processed by Bank of America for Afghan state-owned banks in the fourth quarter of 2023?", "72d8028e-9a85-423c-8fd0-d5c655ecb3d0": "Were there any Rule 10b5-1 trading arrangements adopted or terminated by Bank of America's directors or officers during the fiscal quarter ended December 31, 2023?", "613f681e-d9b8-4f45-a554-1104b888017e": "What is the significance of Executive Order 13224 in relation to the transactions processed by Bank of America for Afghan state-owned banks?", "8e94eeea-8036-4826-9197-e6df117730d3": "Did Bank of America report any disagreements with accountants on accounting and financial disclosure in the document?", "06c972fb-c294-4f9f-8557-273942aeffe9": "What nominal financial benefit did Bank of America receive from processing payments to Afghan state-owned banks during the fourth quarter of 2023?", "a3be1fd5-5e85-4c52-91fe-4626ed773cff": "Is there any information provided regarding foreign jurisdictions that prevent inspections in the document?", "246ea3ea-4c3d-4860-a9b4-40a7d21ee948": "What was the total amount processed in authorized wire payments by the subsidiary of Bank of America Corporation related to Afghanistan?", "8d5bbaa0-3f31-407f-a74d-6d0f84c4d989": "Which U.S. government office issued the general license that allowed the wire payments to Afghan state-owned banks?", "3f1e8339-b9ec-487b-ae43-1ba12818d3d7": "What Executive Order governs the Afghan state-owned banks that received payments from Bank of America?", "2f1d3cb8-afc2-4f31-b82b-9301c0c20f8f": "Who is the current Chief Technology & Information Officer of Bank of America Corporation, and when did they assume this position?", "4b00949b-562a-422c-8e56-806f1fb7075c": "What nominal revenue did Bank of America Corporation receive from the transactions processed for its clients regarding Afghanistan?", "688ddd6b-3e50-45b9-a19c-6d7dd0e1bf27": "What role did Dean C. Athanasia hold before becoming President of Regional Banking in October 2021?", "f185fd5b-6d0e-4961-ae3d-2c4ec147f861": "How many executive officers are listed in the document, and what is the title of the officer who has been with the company since January 2019?", "baa117ca-913b-4cbd-b884-9672538ed491": "What position did Alastair M. Borthwick hold prior to becoming Chief Financial Officer in November 2021?", "0c6cf437-6ff2-496d-940d-a3c80209ba57": "Is there any disclosure regarding foreign jurisdictions that prevent inspections mentioned in the document?", "97afd8fd-e96e-481c-801d-6dd7879b36e5": "What is the age of Paul M. Donofrio, and what position did he hold before becoming Vice Chair in November 2021?", "f981edc0-c0d4-4475-8628-03289d9e584c": "Who has been the Chief Risk Officer since April 2014?", "b75dc5d9-3e3d-426f-a3c7-9bacccf43709": "What position did Lindsay D. Hans hold before becoming President, Co-Head of Merrill Wealth Management in April 2023?", "78df1d65-1441-4053-a9c4-db4d13b8e4fc": "When did Kathleen A. Knox start her role as President of The Private Bank?", "09d2c6ee-6ac9-4da5-9e56-6281e79d2de0": "Who served as the President of APAC from March 2012 to December 2018?", "f7ae5318-ff3e-4bd3-a022-764ef7fe4ae1": "What was Bernard A. Mensah's role before becoming CEO of Merrill Lynch International in August 2020?", "6a1c5dda-95bd-4fc1-ab44-d3390832e407": "Who is the Global General Counsel and when did they assume this position?", "bdcafec6-73c6-4a9a-a191-bca645ed74a2": "How long has Brian T. Moynihan been the Chair of the Board?", "7f6ec66a-e0ba-414a-a060-8ac56a8d5861": "What was Thong M. Nguyen's position before becoming Vice Chair, Head of Global Strategy & Enterprise Platforms in October 2021?", "4472542b-6b92-486d-8d8a-4302d8c18b24": "Which executive has held multiple roles in Merrill Lynch from June 2015 to March 2023?", "cc23d6b9-d92c-4913-ab33-4c542d2373ea": "What role did Thomas M. Scrivener hold prior to becoming Chief Operations Executive in October 2021?", "7d251c79-8649-499e-8703-5e1820fc93c5": "Who is the Chief Operations Executive at Bank of America, and when did they assume this role?", "f7b1d311-9d7b-4aaa-b864-b7d6ef05480c": "What positions did Thomas M. Scrivener hold prior to becoming Chief Operations Executive in October 2021?", "f382fd4a-5e3d-4165-9a5a-ac577cc56918": "What role did Bruce R. Thompson serve in before becoming Vice Chair and Head of Enterprise Credit in October 2021?", "bd5e5640-8abb-40b4-aa03-b5b86d3d4676": "Which sections of the 2024 Proxy Statement are referenced regarding the election of directors?", "75114db0-1a0c-4f9c-8c83-637cd179e698": "What information is included under the \"Executive Compensation\" section in the 2024 Proxy Statement?", "4e575350-e904-4e4d-b9ee-ab0dd376c3a2": "How long did Bruce R. Thompson serve as Chief Financial Officer at Bank of America?", "a6a7c1c4-9c2f-41e1-a585-99ede6c3dc4e": "What are the responsibilities of the Compensation and Human Capital Committee as mentioned in the document?", "194c04c8-c478-495c-acd0-f7d4867d52e8": "What is the significance of the \"CEO pay ratio\" in the context of the 2024 Proxy Statement?", "8b829ded-1545-49a7-b7d3-d93c4d00d2c7": "Which corporate governance topics are highlighted in the document related to the 2024 Proxy Statement?", "e9319b31-cc1f-4341-b2ce-d89ccee0c018": "What was Bruce R. Thompson's role at Bank of America Europe DAC before returning to the U.S. in December 2020?", "4e64a70b-8494-4522-91af-f244b95fac02": "What information is incorporated by reference under the caption \"Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters\" in the 2024 Proxy Statement?", "bbf9e7bc-92e2-4b83-980b-405a4118ec73": "How many shares are to be issued under outstanding options, warrants, and rights as of December 31, 2023, according to the equity compensation plans table?", "5c7e4ca0-dcee-4ad2-8e0e-9b49dd59aabe": "What is the weighted-average exercise price of outstanding options, warrants, and rights listed in the document?", "d90eb044-5f23-4ddb-a30b-d604a786a3d5": "How many shares are remaining for future issuance under equity compensation plans approved by shareholders?", "f84fdd4a-0fef-48d5-9c49-82f0dccf13b0": "What does the total number of shares to be issued under outstanding options, warrants, and rights amount to in the document?", "96826298-2608-4ce2-9ab9-369a44f16be8": "Are there any equity compensation plans not approved by shareholders, and if so, how many shares are associated with them?", "a0d9bdfd-e3b7-4a5d-992d-b5ac247f81af": "What additional information is provided about the vested restricted stock units (RSUs) at December 31, 2023?", "3ad41364-50bd-4bf1-8679-c8e0ee69744d": "What sections of the 2024 Proxy Statement are referenced under \"Certain Relationships and Related Transactions, and Director Independence\"?", "631db397-180a-4023-b6dd-d04d33584e2e": "What is the purpose of the information included under the caption \"Principal Accounting Fees and Services\" in the document?", "cbf286da-64c4-4074-8732-d9e20ff48a3d": "How many vested RSUs are subject to a required post-vest holding period as mentioned in the document?", "498041d3-f621-4ac5-822e-2e20250e8615": "What financial statements are included in the Bank of America Corporation's report for the years ended December 31, 2023, 2022, and 2021?", "0dd25704-8301-48c6-92d9-58ca38b5efb6": "Which independent registered public accounting firm is mentioned in the report for Bank of America Corporation?", "f36b35a0-c64b-4cff-ba90-881669451ae7": "What is the filing date of the Restated Certificate of Incorporation for Bank of America Corporation?", "677d4133-ccee-4b47-8464-97c17e6a2be5": "How many supplemental indentures are listed in the exhibits section of the report?", "612e4ce4-cd21-491b-b7de-336fff9ff324": "What is the purpose of the \"Index to Exhibits\" section in the Bank of America Corporation's report?", "2360a3ff-fedb-445a-ba70-3ffd6c1de3e6": "What is the significance of the 2024 Proxy Statement in relation to the Annual Report on Form 10-K?", "afd4d0d4-6a8c-4c87-9ac5-df9796e0d9fc": "Which exhibit number corresponds to the Amended and Restated Bylaws of the Corporation?", "ff7543b5-e72e-460b-b9a1-f19ad15f8ca8": "What type of document is the \"Consolidated Statement of Changes in Shareholders\u2019 Equity\"?", "e2c3b75c-8312-4cae-9751-57172313779d": "What is the file number associated with the First Supplemental Indenture dated as of September 18, 1998?", "fab2c657-2085-4a82-8328-f2ca77a3b4ed": "Are there any schedules included in the Bank of America Corporation's report, and if so, how many?", "4979f5db-d0bb-40c6-8c7f-da20aa974155": "What is the date of the Sixth Supplemental Indenture between the registrant and The Bank of New York Mellon Trust Company, N.A.?", "2fc9a920-17df-44a5-a054-d5ecedb9f9b3": "Which document type is associated with the Eighth Supplemental Indenture dated February 23, 2017?", "92dc2919-5911-445a-a5cc-4edffb5a734e": "Who is the successor trustee to BankAmerica National Trust Company as per the Successor Trustee Agreement effective December 15, 1995?", "aa3b8191-b6db-42d2-8af1-e52f97c556e6": "What is the purpose of the indenture dated as of January 1, 1995 mentioned in the document?", "0abaae48-87a7-48ba-bd33-eeaab783eb64": "How many supplemental indentures are listed in the provided document?", "a99d1ff6-e484-4a43-b128-25924a9852a8": "What is the registration number associated with the Form of Registered Global Senior Medium-Term Note, Series L?", "c0798751-a941-40de-b06d-fa276904235b": "Which entity is referenced as the successor to NationsBank Corporation in the indentures?", "1cee3217-7d66-4f96-ad81-458ad4550a0e": "What is the significance of the date January 1, 1995, in the context of the document?", "834c2345-3e8c-4970-af3b-ae7f8d0f7b28": "What type of securities does the indenture dated as of January 1, 1995 pertain to?", "4de76c96-4938-4c55-b056-e5632c57da8e": "Which document type is linked to the Agreement of Appointment and Acceptance dated December 29, 2006?", "8ce70615-996e-4f88-8c9f-62b2f3f52c45": "What is the purpose of the Second Supplemental Indenture dated January 25, 2007, between the registrant and The Bank of New York Trust Company, N.A.?", "04ed9f63-8032-41b8-82d5-6a837c2d9a61": "When was the Fourth Supplemental Indenture executed, and who were the parties involved?", "ee83e27d-9d58-4b8f-a1fe-11be1bebb1ac": "What type of securities does the indenture dated June 27, 2018, pertain to?", "e0d0a293-79c8-4c5b-94a5-b7ddb1002d45": "How many amendments have been made to the Bank of America Pension Restoration Plan as of the last entry in the document?", "8b8b66d1-b3c6-47fb-bbe3-4d4dd85297fd": "What is the filing date for the Form of Registered Global Senior Medium-Term Note, Series N, from August 2021?", "ac038f14-d1aa-425a-a4e6-76c61c5f90ee": "Which exhibit number corresponds to the Third Supplemental Indenture dated February 23, 2011?", "9ca4f72a-029a-4f9f-9628-dc827fdc5363": "What regulatory item allows the omission of certain long-term debt agreements from the document?", "50dfb6cb-6516-457a-90ed-e3bc0928f968": "What is the significance of the indenture dated January 1, 1995, as referenced in the supplemental indentures?", "e940b498-775b-4151-8cc2-178768e4ef7e": "Which exhibit details the description of the Corporation's Securities?", "0b5db968-4320-4e6c-ab69-c22fcb518be9": "What is the relationship between The Bank of New York Mellon Trust Company, N.A. and the registrant as indicated in the document?", "2fe4bba6-f493-4dba-9097-3632a9434409": "What is the effective date of the First Amendment to the Pension Restoration Plan?", "b334a555-e89a-4f3d-993a-745dc8963672": "How many amendments have been made to the Bank of America Deferred Compensation Plan since its restatement effective January 1, 2015?", "44791d74-db66-4d76-bacb-237a2d170dcb": "What document type is associated with the Fourth Amendment to the Bank of America Deferred Compensation Plan?", "cacad81a-1c1e-4804-8530-cc5b61498e47": "When was the Second Amendment to the Bank of America Executive Incentive Compensation Plan dated?", "990bcff0-6764-4595-bbb8-f610a112e8fd": "What is the former name of the Bank of America Deferred Compensation Plan as mentioned in the document?", "ed0c121b-ae2c-4078-9c7d-6d9f9fd1773d": "Which amendment to the Bank of America Corporation Equity Plan was effective on April 25, 2023?", "ac0acd6c-6e09-42a8-a415-79cf932e86f4": "How many times has the Bank of America Corporation Key Employee Equity Plan been amended since its restatement effective May 6, 2015?", "fc1c555e-1b2e-47b3-bb4e-28e5c37328ad": "What is the SEC filing type for the Third Amendment to the Bank of America Deferred Compensation Plan?", "52f163e9-e00e-4024-b096-4c24fce1c553": "What is the document number for the Sixth Amendment to the Pension Restoration Plan?", "787ff0a0-a7ec-46a0-944e-813476dacf2e": "What is the effective date of the Bank of America Director Deferral Plan as amended and restated effective January 1, 2019?", "51e91c29-b8fb-4491-9cbc-eebf941e2d63": "What is the date of the First Amendment to the 2015 KEEP mentioned in the document?", "6b6a771f-de63-487c-b8cd-30292dfe2943": "What is the effective date of the Second Amendment to the 2015 KEEP?", "e9313806-2e1f-4aa7-a109-5eb0804cdeae": "Which document outlines the Bank of America Corporation Equity Plan as amended and restated effective April 20, 2021?", "fadf7bcc-ab5e-4b68-929c-67934d01d0d7": "What is the document number associated with the Form of Restricted Stock Award Agreement for Non-Employee Directors?", "e050dfa7-283c-40c1-8be8-fe598f70bedc": "How many amendments to the 2015 KEEP are listed in the document?", "ca7f5a1b-111d-49b3-be29-8ed3e2fde369": "What is the significance of the date April 25, 2023, in relation to the Bank of America Corporation Equity Plan?", "c8e3eaae-7ade-4686-afb1-a10a1ccd78b0": "Which filing type is associated with the document dated April 24, 2019?", "e8dfecd6-bf03-47e0-a84a-25be3c8e6801": "What is the document number for the Bank of America Corporation Equity Plan effective April 20, 2021?", "33c00df5-e84e-4754-a2d9-063d8742b832": "What type of agreement is referenced for Non-Employee Directors under the 2015 KEEP and the 2021 BACEP?", "04652199-a6b0-43db-9a72-6eea0b581210": "How many total documents are listed in the provided excerpt?", "6aaebac5-cf73-4106-a576-56f628651c10": "What is the filing date for the Form of Time-based Restricted Stock Units Award Agreement under the 2015 KEEP?", "1308f992-708e-4d36-912a-2dc8719852b3": "Which exhibit number corresponds to the Form of Performance Restricted Stock Units Award Agreement under the 2021 BACEP?", "db228373-00e6-430b-a7d2-5b54c9618fd3": "What is the effective date of the FleetBoston Supplemental Executive Retirement Plan mentioned in the document?", "9c42fd4d-ea37-41d2-aa84-881c8b195de2": "How many different types of Restricted Stock Units Award Agreements are listed in the document?", "b5756e58-2da7-4b02-ac36-94ae217d49eb": "What is the purpose of the amendment related to the FleetBoston Financial Corporation merger dated October 27, 2003?", "4908b3f8-2cb8-44ab-b9a1-9576d87f549a": "Which document outlines the Retirement Income Assurance Plan for Legacy Fleet, and when was it amended and restated?", "2214cedc-512a-48ed-81a4-8203fcdde67d": "What is the exhibit number for the Officer's Certificate of Global Compensation, Benefits and Shared Services Executive Regarding Wanger Divestiture?", "3654c2be-2498-4dac-925f-5c01f9cfc607": "What type of plan is the BankBoston Corporation and its Subsidiaries Deferred Compensation Plan, and when was it dated?", "666ca588-4f48-428f-8121-9ab3c26ac00c": "How many times is the term \"10-K\" referenced in the document, and what does it signify?", "37d9cb49-0dd7-487d-98af-01b0c8b3003f": "What is the significance of the various Restricted Stock Units Award Agreements mentioned in the context of the 2015 KEEP and 2021 BACEP?", "ea9cf4cc-04af-4202-82d9-fbbd3577246a": "What is the effective date of the Directors\u2019 Deferred Compensation Plan mentioned in the document?", "f16dda41-2cbc-4096-be4f-5060fd0d8781": "Who is the registrant involved in the Employment Agreement dated October 27, 2003?", "c637b0b3-d03a-40ee-ab2e-5ea570b7ecae": "What type of agreement is the document referring to that was dated August 25, 2011, between the registrant and Berkshire Hathaway Inc.?", "09afdca5-e954-47e4-8a6e-6c7debd375aa": "What is the purpose of the Global amendment to the definition of \u201cchange in control\u201d as described in the document?", "7e1d95f3-afa9-490e-9eaa-33a428b00c80": "Which executive officer is associated with the Amended and Restated Aircraft Time Sharing Agreement dated June 26, 2018?", "429c8fee-8a28-4df7-ae99-3e9d30cc5272": "What is the date of the Letter Agreement between the Corporation and James P. DeMare?", "b622ca1e-268d-47f5-b01e-6bed0f8af430": "How many different types of agreements are listed in the document related to Brian T. Moynihan?", "6ca768bc-1819-49bf-aef6-17935c5e3bb2": "What is the significance of the Consent of PricewaterhouseCoopers LLP mentioned in the document?", "cd41a415-7999-4af7-8daa-271c3524c939": "What type of document is the \"Direct and Indirect Subsidiaries of Bank of America Corporation\" classified as?", "88e70f64-1bfc-40a6-911f-85e0b4faa35c": "Which document contains the description of the BankBoston Director Retirement Benefits Exchange Program?", "d65e3ddc-8761-433c-8474-61a9b2cafa29": "What is the purpose of the certifications provided by the Chief Executive Officer and Chief Financial Officer in the document?", "e311341d-c55d-4701-ba86-59340b876f2b": "Which act is referenced in the certifications of the Chief Executive Officer and Chief Financial Officer?", "aabb584e-5f6d-4be1-a90a-da8412bd613f": "What is the filing date of the 10-K document mentioned in the provided context?", "bd740bd5-cee5-4f03-9552-c0c367db928e": "What type of policy is described in Exhibit 99.1 of the document?", "453638b1-7ba7-46b6-983d-edfcf6c6312b": "How many Inline XBRL Taxonomy Extension documents are listed in the document?", "4ef6dd67-fd0e-4f12-a2de-80a25662afea": "What does the notation \"Filed Herewith\" indicate regarding Exhibit 104?", "98bb2ce3-1e9a-49cc-b068-3927b547412e": "What is the significance of the redaction mentioned in the document concerning certain portions of the exhibit?", "d77bc8c8-33ba-418e-942b-8bd8b16d03b6": "What does the document state about the liability of the exhibit under Section 18 of the Securities Exchange Act of 1934?", "79a32741-bfc3-48d8-9d28-1ce6d07cdc91": "What is the file number associated with the 10-K document for Bank of America Corporation?", "74b60532-7622-4f71-9fce-9230f02a43d2": "What does the term \"Incorporated by Reference\" imply in the context of the document?", "82bc5cbd-43c6-45a6-9500-20553b8194f1": "Who is the Chief Executive Officer of Bank of America Corporation as of February 20, 2024?", "b3dca9df-c321-4fe7-8075-6f9ea9592089": "What is the date of the report signed by Bank of America Corporation?", "63515d5d-9f90-46bd-934a-a4f6a0e9defb": "Which act requires the signatures included in the document?", "b7c5e19f-6336-4113-a4dc-8db867bf4ce6": "Who is the Chief Financial Officer of Bank of America Corporation mentioned in the document?", "6e93d660-3076-44e8-8c7d-4a3a8e8e5676": "How many directors are listed as signing the report for Bank of America Corporation?", "a63f10b3-923b-4f92-b1de-1f538226f95d": "What title does Brian T. Moynihan hold in addition to being the Chief Executive Officer?", "d904b1a3-763f-4d6b-9475-20109e344a51": "What is the role of Rudolf A. Bless as indicated in the document?", "2f48af76-969b-4c57-a56c-cb305e1bdef5": "On what date did all the signatures in the document occur?", "5524da67-8b62-476b-8c8b-d6e0f609338d": "Who signed the document as a director and has the first name \"Sharon\"?", "4432065a-a69b-44c3-ae97-cbfac372bb09": "What is the significance of the signatures in the context of the Securities Exchange Act of 1934?", "1e4ad253-8964-40f7-9c7d-48d5c299d573": "Who are the directors that signed the document on February 20, 2024?", "b7edd3a5-f9c5-4d94-b959-c21af6037d2a": "What is the title of the document referenced in the signatures?", "3d78cd59-010f-444c-a150-af7254cf4300": "What is the role of Ross E. Jeffries, Jr. as mentioned in the document?", "051e8ff5-1326-4e5c-bf94-90cc07f232ee": "On what date was the document signed by the directors?", "4d90a4c6-b911-4d07-a0d4-4dabf6bdb593": "How many directors signed the document?", "11dd11f5-7828-4866-b0cb-190d9ce81c44": "What organization is associated with the signatures in the document?", "ccda436f-1999-4bdf-91e5-2ae8c0ffef91": "What is the significance of the signatures in the context of the document?", "0f4ec397-b3e1-49ed-945e-86c9bd92c5e7": "Can you identify any specific formatting or typographical elements in the document?", "4075bf90-a1aa-4a8e-8640-342150ed80db": "What is the purpose of including the attorney-in-fact in the document?", "63be73a4-8362-4cec-9584-fd3ae6500cf8": "What can be inferred about the nature of the document based on the titles and signatures provided?", "a278318d-3ea8-497f-ba0c-efe3de008117": "What is the fiscal year end date mentioned in the Booz Allen Hamilton Holding Corporation's Form 10-K?", "6d9b2488-e919-48a0-aaf4-bf12a04d8338": "What is the trading symbol for Booz Allen Hamilton Holding Corporation's Class A Common Stock?", "4ac1732b-9aa6-4e2c-aaab-60f29aeef5a0": "Where is the principal executive office of Booz Allen Hamilton Holding Corporation located?", "c5dcdac0-5139-4371-8857-181aa8727012": "What is the Commission File Number for Booz Allen Hamilton Holding Corporation?", "50d7278d-4b1b-4955-860a-b4bae9a928d9": "Is Booz Allen Hamilton Holding Corporation classified as a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company?", "8dc78d77-414a-43cf-83cc-80515cc7f7f4": "What is the IRS Employer Identification Number for Booz Allen Hamilton Holding Corporation?", "0dcc3f00-f988-44a4-a2ba-9e4152f8d765": "Has Booz Allen Hamilton Holding Corporation submitted electronically every Interactive Data File required in the past 12 months?", "ebda4314-0249-4f7a-8078-62effe20741d": "What checkboxes are available for indicating if the registrant is a well-known seasoned issuer in the document?", "d7ac226e-bd4f-479c-aa9f-bbcdc2d4f71a": "What is the phone number provided for Booz Allen Hamilton Holding Corporation?", "1f6cd224-e359-4b75-967f-62ed2f370576": "What section of the Securities Exchange Act of 1934 is referenced for the annual report in the document?", "f14206ca-4469-40fa-8b6c-ecea12cd1833": "What is the aggregate market value of the registrant's voting and non-voting common stock held by non-affiliates as of September 30, 2023?", "e114140d-cf52-4a83-8850-71a0409c186b": "As of May 20, 2024, how many shares of Class A Common Stock are outstanding?", "16c9f535-9e3f-48a9-ba36-7d02637159a2": "Does the registrant's filing indicate that any financial statement errors were corrected?", "045c6532-2b2d-4083-9d87-e7e03b9e05c8": "Are any of the error corrections mentioned in the document classified as restatements requiring a recovery analysis of incentive-based compensation?", "d90618b8-8096-4128-9e98-94592d88f962": "Is the registrant identified as a shell company according to Rule 12b-2 of the Exchange Act?", "056aaf9c-4259-4def-a352-2354c37763c1": "What is the scheduled date for the registrant's Annual Meeting of Stockholders?", "740cb1b3-435e-4751-9adf-4e604d3fb6f6": "What section of the Act requires the registration of securities pursuant to Section 12(b)?", "58a6edf6-e228-4eca-8a6f-0e68131e49a4": "What type of compensation analysis is required if there are restatements due to error corrections?", "fb167a9f-5301-4e22-b14d-3928158c45d0": "What document is incorporated by reference into Part III of the filing?", "9603c99e-a7f7-44d1-89d1-ea6112440ea2": "What is the significance of the check marks in the context of the registrant's financial statements?", "f4597c6b-b221-494d-94a2-2411979cf9cf": "What section of the document discusses the company's business operations?", "9dd02de2-8540-4cc0-86d6-c28272179ccf": "In which part of the document can you find information about risk factors affecting the company?", "d1c986bd-ac9d-412f-a404-5b04da03a3a9": "What is the focus of Item 1C in the document?", "61b8e7bf-852b-474c-947e-4b3978317954": "Where can you find details about the company's executive officers?", "dd7be2da-d9c0-4980-a1bd-68b5be1e174c": "Which section addresses the market for the registrant's common equity?", "e5c49935-5b96-4033-8ba0-eb08009eb6e6": "What does Item 7A cover in the context of the document?", "b1040d7b-c79d-4719-a31a-8956f7f2c666": "In which part of the document would you find information about legal proceedings involving the company?", "72a5ec53-e988-461a-9ad4-99a67a360777": "What type of disclosures are included in Item 4 of the document?", "a1bf56da-eb4f-4153-9277-68243cefff1a": "Where can you find information regarding the company's cybersecurity measures?", "0512840c-fbb8-446b-b6db-2cf8e75f6f2f": "Which section of the document is dedicated to executive compensation details?", "92d6b03d-f205-401f-9f03-a9a4e9151222": "What does the term \"Booz Allen Holding\" refer to in the context of the document?", "4abe2aea-1f45-48ad-b81e-9cfd2f16b5f1": "What are some examples of forward-looking statements mentioned in the Annual Report?", "0bf71b44-1cb2-4a56-97a7-b303aedb2721": "How does the document describe the potential impact of U.S. government shutdowns on Booz Allen Hamilton?", "2b4e15b9-d514-4582-a930-7a5bc943cdf5": "What risks are associated with compliance to laws and regulations as outlined in the document?", "dad1ff7a-1c35-4588-81fc-7eef78d24515": "What factors could lead to changes in U.S. government spending that may affect Booz Allen Hamilton?", "e385fccd-a82e-47f9-915a-f3871bcb894b": "What is the significance of the fiscal year ending March 31 in the context of the report?", "b623cba0-2e17-4165-9d11-38ecd2744e78": "How does the document characterize the competitive landscape for Booz Allen Hamilton in terms of contract awards?", "226dcb7b-2ce8-4365-af10-4ab3770bd820": "What are some potential effects of disease outbreaks mentioned in the report?", "f282ec4c-f2e4-4892-8924-4b03b3816e31": "What does the term \"Booz Allen Investor\" refer to in the document?", "ef9022b6-57af-4ff2-a35e-957352a3ef55": "What is the purpose of the cautionary note regarding forward-looking statements in the Annual Report?", "9c71388d-eba7-4c8e-8567-d0672b1f663e": "What are some potential consequences of U.S. government shutdowns mentioned in the document?", "a00a66cd-c107-4cb3-9469-f1cf846fca72": "Which regulations and laws does the document highlight as critical for compliance?", "642ea50a-8d43-4145-aa25-5000263dced7": "How might disease outbreaks impact the operations of the organization discussed in the document?", "b6606735-5e7f-4510-b027-e467b2a0ae09": "What challenges does the organization face in the competitive bidding process for government contracts?", "bc90528e-634b-4e46-a570-9ec103820956": "What are GSA schedules, and why are they significant to the organization mentioned in the document?", "79e2e98b-c1da-43f1-a0f7-3aa7b8a089bf": "What risks are associated with internal system failures and security breaches as outlined in the document?", "7e7634dc-33e4-45ff-8065-9dcb79c77a43": "How does the document describe the importance of accurately estimating expenses and resources for contracts?", "e5562667-8d32-4ebf-b717-027e6933f16b": "What factors could affect the organization's ability to attract and retain skilled employees?", "cce05b33-e2f0-4e02-9221-46cf6e1c8b62": "What implications does the loss of GSA schedules have for the organization\u2019s contract opportunities?", "4098a8de-d25c-4a82-968d-b32ff29f28e5": "How does the document address the variability in purchasing patterns under government contracts?", "84328a22-bc3c-4a55-b57c-c393b4c97f41": "What are the potential risks related to inflation mentioned in the document?", "e1bdf801-1556-41eb-a5ff-fc8a32ae9933": "How might the loss of senior management impact the organization according to the text?", "7bfa6496-5f5b-4335-8f07-0ad9e5088792": "What are the implications of misconduct by employees or subcontractors as outlined in the document?", "3e58463b-ceac-4380-8f66-84e0f2ba34f8": "What challenges does the organization face in maintaining relationships with contractors?", "8aade8c8-09f5-4fa7-8d8e-c1d545d2cd56": "How does the document describe the impact of legal or regulatory proceedings on the organization?", "cb6e2e8d-5150-43b0-b662-0d0a0c58235e": "What risks are associated with changes in U.S. government laws and regulations for international operations?", "feeb9e0e-8b71-43c6-b7a5-9ca338d4e750": "How does the document address the potential effects of a recession on the organization?", "58249135-49a4-4638-b747-31b78ffb1566": "What are the concerns related to the government contracting environment mentioned in the text?", "62d313ed-d4a5-4a01-8182-6bdcd1e523fa": "How might changes in accounting rules affect the organization\u2019s financial reporting?", "b80faafa-2005-4892-b072-c94c0ccae926": "What ESG-related risks are highlighted in the document that could impact the organization and its clients?", "816cf83a-dd74-45e7-acd6-f45421a304ad": "What is the primary purpose of Booz Allen Hamilton as described in the document?", "b048c41c-8ce8-4a52-90c1-bfaf94b48aa8": "In what year was Booz Allen Hamilton founded, and who was its founder?", "c26e94a0-a505-42d4-8f21-03470553ff61": "How does Booz Allen Hamilton support its federal government clients according to the document?", "2a5803aa-2259-481e-83c5-48b5545e8772": "What significant corporate change occurred on July 31, 2008, regarding Booz Allen Hamilton?", "df6b2ef1-f371-4098-a640-140d1fb8f304": "Describe the collaborative culture at Booz Allen Hamilton and its impact on client engagements.", "d6b54136-abd8-447d-91f1-eab01d6215e2": "What are some of the key areas of expertise that Booz Allen Hamilton has developed beyond management consulting?", "862bc912-b185-48b4-a4f5-4fc7ab141084": "How does Booz Allen Hamilton's operating model differ from traditional corporate structures?", "153c6630-8009-4a36-9c32-9df744cf824e": "What is the significance of the term \"partner\" in the context of Booz Allen Hamilton's corporate structure?", "f9afa9ce-ae36-4cf7-9413-e4b3a06cd92e": "How long has Booz Allen Hamilton maintained relationships with some of its clients, and what is the longest duration mentioned?", "3f63d57e-b207-470f-a32b-4938832f6978": "What role does Booz Allen Hamilton play in advancing cybersecurity capabilities for its clients?", "a849f1c0-810b-4300-b12a-15064331bb73": "What was the date when Carlyle disposed of its remaining shares of the Company's Class A Common Stock?", "2b95ebdf-a8a1-403b-8246-bfe77d23cd6c": "How does the operating model of the institution encourage collaboration among its teams?", "3137989f-4b44-409b-b434-42e7bd699ff8": "What is the significance of having a single profit/loss center and bonus pool for leadership in the company's operating model?", "2465b395-136d-42f8-a9cc-cad1b8404f56": "What were the win rates for new and re-competed contracts in fiscal 2024 compared to fiscal 2023?", "02fd068d-ed22-4d86-aa60-e427f73e8a6c": "How does the company position itself to react to market changes faster than its competitors?", "97573432-d03c-4af2-ac30-886cc7de2746": "What types of expertise do the client-facing teams possess to address clients' complex needs?", "c1893160-dba4-4c0f-8c27-1ac9917996ce": "What is the company's approach to investing in markets, capabilities, and talent for future growth?", "5a17f761-ed15-402f-8619-d4d02f313d47": "How does the partnership-style culture contribute to the company's operational flexibility?", "dddd0f60-9274-4b41-995a-12d4d659d6b1": "What are the key components of the company's differentiated value proposition?", "dbe01cc1-f55b-426d-8fb7-35ab49398282": "In what ways does the company aim to meet current, future, and prospective market needs?", "df70cf13-507a-4064-b3ca-63e54f8c61c4": "What is Booz Allen's commitment to creating a sense of belonging for its employees?", "1634f5f9-f16e-4cc5-96b3-6361333a86fd": "How does Booz Allen's VoLT strategy aim to enhance its workplace culture?", "84311317-5769-4ef5-b05e-fcf5e39f5cec": "What percentage of Booz Allen's global workforce identified as female as of March 31, 2024?", "7dd2e74c-0c8d-4326-91bf-ebfc3643485e": "What initiatives does Booz Allen have in place to support diversity, equity, and inclusion within the company?", "f2dccd24-a4ff-496d-b210-1871e27e341c": "How does Booz Allen define its cultural aspirations in relation to employee success?", "30edc180-5c8a-4583-a5f3-5c19c45413c2": "What is the purpose of the \"Unstoppable Together\" movement at Booz Allen?", "9756852b-8a1a-4919-ba3a-660588eed3c4": "As of March 31, 2024, what percentage of Booz Allen's employees identified as a person of color?", "138223c9-cb08-4466-864e-bcd5da1ea424": "What types of professional certifications do approximately 65% of Booz Allen's employees hold?", "f65bbb6b-b5e7-452f-be38-b7b6a40b7b18": "How does Booz Allen support its employees at different stages of the employment lifecycle?", "c35b5518-760e-4a96-a4ac-df1d79684701": "What role does transparency play in Booz Allen's DEI strategy?", "ad57db72-7bd4-44d0-8367-03195f966bfc": "What percentage of the workforce identified as a person of color, and how does this compare to the percentage in senior management?", "50d551b5-c258-4aa5-ab8f-5ce34bb23b10": "How many employees in the organization identified as veterans or individuals with military experience?", "16bdadcc-e378-4a19-8586-18127b3f9f8c": "What proportion of employees reported having a disability, according to the document?", "8a5554e5-3d4a-4bcb-a824-88ad11d03b44": "What percentage of the U.S. workforce identified as LGBTQIA+?", "7e0ab247-8f0b-449e-8df8-2023a157169f": "Among employees holding a bachelor\u2019s degree or higher, what percentage also holds a master\u2019s degree?", "14557e09-41b7-4d9b-83fb-d4403a8338d0": "How many employees possess one or more professional certifications, and what topics do these certifications cover?", "d53b7691-fa0e-480b-9657-cbafcd6104eb": "What percentage of employees hold security clearances within the organization?", "d50c4e33-a94a-4a55-88ca-8c5d95c594b0": "What percentage of new employee hires globally identified as female, and how does this compare to the percentage of female employee departures?", "59deab73-80ca-4b13-a85e-588897008329": "What were the favorable experience ratings reported by employees in the annual Employee Experience Survey?", "c602c22d-08d4-4234-84ab-e578f5ec8a68": "How does the percentage of people of color among new hires compare to the percentage of people of color among employee departures in the U.S.?", "0e50de63-d694-41cd-96b7-c25de578c6d9": "What are the core values that form the foundation of Booz Allen's culture?", "794f8a9f-e563-489f-86ee-cb37cf53aba3": "How many consecutive years has Booz Allen been recognized as one of the World\u2019s Most Ethical Companies by the Ethisphere Institute?", "ae0cff0e-6eb6-4400-9f8f-8fd147191b65": "What was the total amount donated by Booz Allen to nonprofit organizations in fiscal 2024?", "c1a400e4-512b-418e-b6f2-5567389a1b57": "Describe one initiative Booz Allen has undertaken to support equitable access to responsible AI education.", "754300ec-5cb7-4ceb-866e-b6e31910fdcc": "What is the purpose of Booz Allen's Code of Business Ethics and Conduct?", "3cec84c8-3bc0-4abf-9b1f-1d4a225fa9ce": "How does Booz Allen engage its employees in community service and charitable contributions?", "233424c7-cb4e-4aa0-9c3f-2c9d5a25b31a": "What is the aim of the Technical Experience Groups (TXGs) launched by Booz Allen?", "7bb73336-813b-4b00-bb6a-dd4a319d36d4": "Can you name a specific program Booz Allen supported to recruit and retain black teachers?", "6dc97b1b-77e4-4760-9b5b-716ea9cbcf11": "What approach does Booz Allen take towards employee benefits and total rewards?", "11014c7c-073e-4830-86bb-4f7e50aa7a45": "How does Booz Allen foster learning and skill enhancement for its employees?", "ce94b67e-6418-4ff6-97fd-f2d2114b4c66": "What is Booz Allen's approach to total rewards for its employees?", "39f4efc8-ce17-4a9a-b94d-94088c00b958": "How does Booz Allen support employee learning and skill enhancement?", "76cb1ebb-fe7b-48f6-a0e7-cc0741703bfa": "What are Technical Experience Groups (TXGs) and what purpose do they serve at Booz Allen?", "80197dad-a77e-479f-888d-399606fa0e38": "How does Booz Allen facilitate talent mobility and performance for its employees?", "1cb8f95e-a3a5-4a86-ab0f-3984980f1c77": "What elements are emphasized in Booz Allen's career development programs?", "2cfae30c-7090-488f-bbd7-4a97c5119bd7": "How does Booz Allen's Total Rewards program contribute to employee well-being?", "0c94d497-ffb7-43f9-a4c9-82ba317195ee": "What opportunities does Booz Allen provide for external learning and tuition reimbursement?", "defbac00-91d8-445a-bbac-850352b2da3a": "In what ways does Booz Allen encourage technical mentorship among its employees?", "4f636a94-c19a-40e2-90bf-6c3cb1d676a3": "How does Booz Allen define its \"think global, act local\" approach in relation to employee benefits?", "9a95daa6-9213-4e7a-b744-1bf13990e63c": "What role do trained managers and leaders play in Booz Allen's employee career journeys?", "79ee590c-f13f-493d-842a-7df1907aec7b": "What is Booz Allen's commitment regarding pay practices and pay equity in the workplace?", "43c06f71-39f5-4893-b2d1-b7b89b1eec2a": "How often does Booz Allen conduct a pay equity analysis in the U.S.?", "22d3e617-fefa-488c-9465-02d1d39d551c": "What types of awards and recognitions has Booz Allen received for its workplace culture and practices?", "ad9303f0-44fb-4960-8013-6cecb06e5514": "What are some of the emerging technology areas that Booz Allen focuses on in its innovation efforts?", "a53e02ef-fc76-41f9-aa21-8f4edcca724f": "Who provides oversight and support for Booz Allen's compensation structure?", "335c6b18-2590-47d2-8ea1-365adf697fc1": "What is the purpose of Booz Allen's innovation engine as described in the document?", "535e2148-f960-4557-9dad-52600ec8ed7d": "How does Booz Allen ensure that its technical expertise is integrated with mission insight?", "85777015-9c07-4196-a16c-12d41abb8a3f": "What recognition did Booz Allen receive from the U.S. Department of Labor in 2023?", "70bcbc78-4da3-4465-a884-05fd3d61b65c": "In what ways does Booz Allen cultivate relationships within the larger innovation ecosystem?", "8b89d207-15ad-4b54-ac4a-8d2cb4cc9cb1": "What criteria does Booz Allen use to assess the market readiness of emerging technologies?", "f4d977c4-c28b-4ad4-81fc-d0f9a9899a41": "What is the purpose of Booz Allen's innovation centers and labs mentioned in the document?", "c84fe6c0-c5a8-4ee3-add4-22e7afa9c467": "Which functional areas are emphasized by Booz Allen's Technical Experience Groups (TXGs)?", "0d9c1c14-5c54-4e73-a164-1a81c4bf8863": "How does the Artificial Intelligence TXG contribute to decision-making processes?", "430eccd0-c30c-4088-9060-47c6b9b3aeb6": "What are the primary responsibilities of the Cyber TXG at Booz Allen?", "7d58f4ed-f9b8-4dd0-8bf6-8ab24e1d08dd": "In what ways does the Data Science & Data Engineering TXG utilize data to inform decisions?", "c5307461-b5b5-4de5-9538-bbf0d28ea563": "What technologies and practices are highlighted in the Cloud & Infrastructure TXG?", "e4fcffd8-b58f-4f06-8a7d-31ec6206a4c2": "How does the Experience & Immersive TXG enhance customer interactions?", "57c1de52-d8f1-46f2-94c9-f9c0d32d363d": "What is the focus of the Systems & Digital Engineering TXG in terms of engineering practices?", "7ae0ab66-a03b-4676-8a56-18af94cb70a7": "How does Booz Allen's Tech Strategy & Product Management TXG support digital execution and IT transformation?", "0e859008-f745-433c-a40c-31b86694e497": "What challenges does Booz Allen face in terms of talent availability in the current competitive landscape?", "ebbf1478-aabc-4c1c-8ae5-3b359b947b38": "What is the primary focus of the group's tech strategy as outlined in the document?", "897e0052-2584-4096-87d4-35d04cf18c3f": "How does the VoLT strategy aim to address the challenges of a rapidly changing competitive landscape?", "467aef6b-a6f6-42e2-b10d-52701b516c1f": "What are some of the capability areas prioritized by the group in their tech strategy?", "30725bbd-9807-4e46-ad8a-7d3fef085da9": "Why is there an increased reliance on technology by clients according to the document?", "e47dd71b-ae08-4702-97a5-1d0622e1c149": "What year marked the second year of the VoLT strategy implementation?", "9f76100c-b201-4790-88dd-4a6278659da8": "How does the document describe the availability of highly qualified technical professionals?", "fa6a777e-6af7-40ec-8598-9bb4d1c96d1b": "What is the significance of digital transformation in the context of the group's long-term growth strategy?", "e3ad9d55-d69e-430e-a3cb-c1ad7eb7ce56": "In what ways does the group plan to guide clients towards a future of digital missions?", "e28fb967-2c91-4730-bffa-f1ddc51be6a2": "What role does technology scouting play in the group's overall strategy?", "6e2acb64-e323-4ac9-a7b3-4e01a2ed66e5": "How does the document suggest the group will adapt to the shifts in the competitive landscape?", "e8789df5-7667-4871-89cb-54108f15b409": "What is the primary focus of Booz Allen's VoLT initiative as described in the document?", "c7a171c7-d966-4a8b-83fd-cf3f36511c92": "How does Booz Allen plan to leverage technology to enhance its client missions?", "a167722c-e83d-4a70-8ddc-a36b696c1c30": "What percentage of Booz Allen's revenue in fiscal 2024 came from contracts with U.S. government agencies?", "901510f2-3018-4c5f-aee2-06134cb05639": "Which client represented the largest portion of Booz Allen's revenue in fiscal 2024?", "863fbba9-6907-41ec-a70d-70ae9b4afe18": "What strategies does Booz Allen intend to use to achieve growth in the market?", "d4648c3b-454e-41cf-9444-fbca354b0c9c": "How much of the U.S. government's discretionary budget authority was estimated for fiscal year 2023?", "7d7b052d-1a37-4d89-b0cd-c83b395ee8a0": "What role do mergers and acquisitions play in Booz Allen's growth strategy according to the document?", "a06a6685-80b4-4fcc-8b8d-c77ed658eb18": "What types of challenges does Booz Allen aim to solve for its clients?", "3e06b9cd-4ca7-43c1-ba23-b8b3b3651958": "How many contracts and task orders did Booz Allen deliver services under in fiscal 2024?", "6297c9b0-0e0b-4314-b894-1ec3d65a98cd": "What is the estimated spending directed toward private contractors for management, technology, and engineering services in fiscal year 2023?", "af8859d3-89b4-421d-9e62-50153b169779": "How long has the U.S. Navy maintained a client relationship with the organization mentioned in the document?", "ce63974a-2408-491f-b713-e15a48336e46": "What percentage of the organization's revenue in fiscal 2024 was generated from defense clients?", "e7e7dfbc-c319-4e38-b67e-5a0081873e67": "Which emerging technologies is the organization investing in to stay ahead of adversaries?", "72d08fd8-afa5-4c89-9c1a-c1fba784dbf2": "Name two key defense clients mentioned in the document.", "08db9f67-2fe1-429d-bc1b-7ee94ef0d137": "What is the primary focus of the organization\u2019s civil work?", "77d776fd-1ae8-4ccc-a825-64652cb3aad2": "How does the organization tailor its capabilities for its intelligence clients?", "a7712453-aa90-4d52-af8e-6587a767cc4e": "What was the revenue generated from intelligence clients in fiscal 2024?", "d39e13e2-dc32-4a77-9cd4-cc30a534a272": "Which U.S. military branches are included in the organization's core defense clients?", "101f111c-9c75-4b37-8afa-58a213f1cd1e": "What is the significance of the term \"zero trust\" in the context of the organization's services?", "6077c7dc-a2e2-4aa8-b7e5-86ebd70e7e4e": "How does the organization ensure mission impact across dispersed geographies in the national security workforce?", "43063c97-1773-4f30-acc3-2013f20c2bd3": "What percentage of Booz Allen's revenue in fiscal 2024 was generated from civil government clients?", "9c8b72b4-ecc1-4a82-80c1-f19e8dfe0ee5": "How does Booz Allen's Global Commercial business aim to transform cybersecurity for its clients?", "03014609-a1ec-437f-87bb-803dcb2246b8": "What was the revenue generated from global commercial clients in fiscal 2024 compared to fiscal 2023?", "af21960c-cca0-45a7-88ee-2549527cb38b": "What is the significance of IDIQ contracts in Booz Allen's business model?", "33ae1a05-c223-4094-b037-2d58d424563e": "How many active task orders under IDIQ contract vehicles contributed to Booz Allen's revenue in fiscal 2024?", "9d1fb3c7-4afd-4a15-af1b-ff06664eaa53": "What are the two predominant contracting methods used by the U.S. government for procuring services?", "837f3d4c-9bbc-4fbf-bbf1-57208edc4ad5": "What is the difference between indefinite contract vehicles and definite contracts as described in the document?", "a62f6fd8-4fd3-4ac0-8e6d-6bb7cce9cdcb": "What percentage of Booz Allen's revenue in fiscal 2024 came from its largest IDIQ contract vehicle?", "ff3de893-8167-4c16-b969-af06b0ec1b5d": "How long does the ordering process typically take under IDIQ contracts?", "8731a5e3-c6f3-4197-8581-d19f8d98ddbc": "What steps does a U.S. government agency follow during the acquisition process for definite contracts?", "d86af08b-86e8-498b-b3e8-a864363524b9": "What is the total revenue generated from the GSA Alliant 2 contract for fiscal 2024?", "302b42d7-e67d-4537-82ab-de86d87f49d6": "How many active task orders are associated with the OASIS IDIQ contract as of March 31, 2024?", "7b72d0f3-73c5-4df9-a49a-32ebac10631d": "What percentage of total revenue for fiscal 2024 is derived from task orders greater than $10 million?", "784d43c0-2652-41ab-bf34-a472469174b8": "What is the expiration date for the Liberty IT - VA T4NG IDIQ contract?", "069a09b6-8db5-4104-9113-073cb415d74b": "How many task orders were active during fiscal 2024 that generated revenue between $1 million and $3 million?", "2e105908-72d6-4a38-8781-f0c7f4c2a792": "What is the average duration of task orders that fall within the revenue band of $5 million to $10 million?", "64727112-a57e-47f3-9c63-b15844ea228e": "Which IDIQ contract has the highest revenue for fiscal 2024, and what is that amount?", "c269ddb0-d102-4292-aa1f-fde8e2ae74a5": "What is the total number of active task orders across all listed IDIQ contracts as of March 31, 2024?", "f781cbec-b790-44af-84ae-c173289738f7": "How does the average duration of task orders with revenue less than $1 million compare to those with revenue between $3 million and $5 million?", "626818a5-55d0-4d36-9f0b-8c9a2110504e": "What is the total revenue recognized under the top definite contracts for fiscal 2024, as mentioned in the document?", "0f657399-a1d5-4768-8425-23af0cde7a98": "What is the total revenue recognized for all task orders active during Fiscal 2024?", "a2e13812-afa0-48d9-b8d0-0cc82e2feed1": "How many task orders fall into the revenue category of \"Greater than $10 million\"?", "090de3e9-fa06-4bf7-8c0b-3d9c30d49684": "What percentage of total revenue does the revenue from task orders less than $1 million represent?", "4764b0ea-25d2-45ee-b55e-66ca361b4935": "Which contract has the earliest expiration date listed in the document?", "d86acb9f-5bc7-411f-bd47-1db51bb1271f": "What is the average duration of task orders that fall between $1 million and $3 million?", "924c73a2-5b67-46bc-8143-853792304a5c": "How much revenue is recognized under the USDA FOREST SERVICES R1S contract for Fiscal 2024?", "a6e988fe-08be-4dd4-ac45-f269ad755055": "What is the total number of task orders active during Fiscal 2024?", "da944fdd-397e-4c16-8128-3d3d1079aed0": "Which classified contract has the highest revenue recognized in Fiscal 2024?", "9dba72d9-4672-4704-bdd4-855e878896f0": "What is the average duration of task orders that generate revenue between $5 million and $10 million?", "44994e20-7848-4c6c-8e50-9c7eb17365fd": "How much revenue is recognized under classified contracts that cannot be named in the document?", "b896f116-3003-4f99-a360-be42dd0c7907": "What are the three components that define the backlog in the document?", "bc8fd47b-6b8e-45ea-a0e2-d5c0c23cf078": "How is funded backlog calculated according to the provided information?", "0bec932e-3aa5-4e63-9e6f-f59e1f2846a5": "What does unfunded backlog represent in the context of the document?", "dab8c1c2-87cf-446b-a78d-2eb2a44916a0": "What is the total backlog value as of March 31, 2024, as stated in the document?", "75634306-8367-4146-9913-8e42862833fa": "Why does the document indicate that there is a higher degree of risk associated with unfunded backlog and priced options?", "7eacdcd0-e5b2-4291-b1e5-4526a83bf6dd": "What factors are contributing to the intensified competition in the government services market?", "56e37d97-2175-442c-b95d-652f526f773c": "Who are the major competitors mentioned in the document that the company faces in the government professional services industry?", "fa1f85d5-10af-449e-a401-c4bf9c6b7f37": "How does the company strive to maintain its competitive position according to the document?", "d7b74c26-9ed3-4c7e-8802-b9c511b0ef31": "What impact do changing government policies have on the competitive landscape in the government services market?", "6963a597-cfa4-4a57-976a-7e21d42b898f": "What role do small businesses play in the competitive dynamics of the government services market as described in the document?", "37a472c5-9164-4190-8bd1-9fa076cad524": "What types of proprietary rights does Booz Allen Hamilton utilize in its consulting services?", "711545d1-0a55-450a-af35-f31dd8f4975a": "How does Booz Allen Hamilton protect its trade secrets and proprietary information?", "e8cb5b1a-2c37-40f2-9d11-2e783dffec9a": "What are the implications of the U.S. government's rights to data developed under government contracts for Booz Allen Hamilton?", "9373bae9-2771-4e60-ba5f-7a571e7351ca": "Which trademarks are registered by Booz Allen Hamilton, and what is their significance?", "2e26534b-c51c-494d-9351-838d3abaa7d6": "What are some key regulations that affect Booz Allen Hamilton as a contractor to the U.S. government?", "afb97102-046e-487a-8b1e-1791bf32a1c8": "What is the purpose of the FAR (Federal Acquisition Regulation) in relation to Booz Allen Hamilton's operations?", "b309f518-7c6d-447c-a1d1-a1fb28776140": "How does the False Claims Act impact Booz Allen Hamilton's business practices?", "036892c2-1a39-43c3-8230-20272478a4ee": "What requirements does the Truthful Cost or Pricing Data Statute impose on contractors like Booz Allen Hamilton?", "f0c44bea-de02-46d8-b948-933aacfb14cc": "What restrictions does the Procurement Integrity Act place on Booz Allen Hamilton regarding competitor information?", "aed75469-37cc-42d6-86ff-e3b3a741ce1b": "How does Booz Allen Hamilton ensure compliance with laws regarding gifts or gratuities to U.S. government employees?", "4643939b-2891-406d-b09f-000ceae24861": "What is the purpose of the Truthful Cost or Pricing Data Statute in government contracting?", "a98e3843-1668-42ef-9ead-facf67f0d77e": "How does the Procurement Integrity Act affect access to competitor bid information?", "5f9e6390-64dc-41a2-af01-b2e89a98fd1a": "What restrictions are placed on contractors regarding gifts to U.S. government employees?", "32a63c39-3714-4714-a85b-4541e1900173": "What are the implications of post-government employment laws for contractors seeking to hire former government officials?", "25a48d4b-8529-4202-9a39-835908bcb663": "What types of information are regulated under laws concerning national security and controlled unclassified information?", "88a2e373-0881-4c74-8c1a-e51376510f84": "How does the Truth in Negotiations Act influence contract negotiations with the government?", "ba03abf3-d1f2-4cd3-b830-e93896e9817f": "What are the consequences for contractors who violate the Procurement Integrity Act?", "22a0566c-1a3c-4cae-b183-c1629709a469": "What requirements must contractors meet when handling classified information or technical data?", "c884477e-5dbd-4db1-926b-e391446b695a": "How do laws regarding the recruitment of current government employees impact contractor hiring practices?", "d6d0025a-ffd6-4d08-96fa-1373f8334b57": "What is the significance of licensing for employees involved in work related to national security?", "9e1d6a4b-b617-4130-8252-7b737e0dccff": "What are the key laws and regulations that govern the handling of personally identifiable information in U.S. government contracts?", "bd113791-cd2c-40af-901d-b9fbe63dde7d": "How does the Contractor Business Systems rule affect payments to contractors by the Department of Defense?", "172e28a0-ccfc-4ebd-9e9c-51240d4b67fa": "What role does the Defense Contract Audit Agency (DCAA) play in the oversight of contractors working with the U.S. government?", "b40e03e3-5b61-44f7-9c1c-fe3a71138508": "What are the potential consequences for contractors if they are found to have significant deficiencies in their accounting systems?", "5c34a0f0-a5b2-46d4-a842-57ecf667591b": "How can the U.S. government enforce procurement laws against contractors, and what actions can be taken against them?", "118f3f8f-58c0-4a5f-b694-fe47348b371d": "What training requirements are imposed on employees to ensure compliance with government contracting laws and regulations?", "44b32149-c712-43c8-9abb-ff375cf4617f": "What risks are associated with changes in governmental appropriations and national defense policies for contractors?", "9f0d6f86-a78a-4f2f-8afb-b217daeca6bf": "What is the significance of the False Claims Act in relation to fraud allegations against contractors?", "55cd3a71-374f-4294-af1d-69ea9ea1a7ad": "How do international trade compliance laws impact contractors working with sanctioned entities?", "6e37b982-194d-416c-b1dc-10c9c77bd9ec": "What are the implications of organizational conflicts of interest for contractors competing for U.S. government contracts?", "da7e77e8-7365-4221-b0f4-591da2f3c403": "What actions can the U.S. government take against contractors that violate procurement laws and policies?", "20f2025d-e265-4502-9c8f-160532728a35": "What is a qui tam lawsuit, and how does it relate to fraud in U.S. government contracts?", "46019d5b-3311-4480-a917-0e7d4dbd68be": "What percentage of the recovered amount may an individual receive if they successfully file a qui tam lawsuit against a contractor?", "12d1d3f7-42cc-4abb-8afe-a843d0b0a71f": "What are the potential consequences for a contractor if they fail to comply with U.S. government laws and regulations?", "d5f58450-0bf0-497c-83d5-ba0ebac5bd8d": "How can the enforcement actions of the U.S. government impact a company's ability to work on government contracts?", "f79302ae-7548-43c9-997f-224416b68c96": "What types of penalties can a contractor face under the False Claims Act?", "04b516a2-ed72-49a8-944a-2bca516c552a": "What is the significance of the term \"debarment\" in the context of U.S. government contracting?", "f8f97af5-8a98-43cf-8b59-8d1e25c76756": "How might legal and regulatory risks affect a company's results of operations when dealing with U.S. government contracts?", "12c5d8d2-91d2-4650-a5c9-bdd16bb49d74": "What are some examples of actions that could lead to a contractor being suspended or debarred from future government business?", "45218a01-c4ea-4f4a-9325-b7ac4597922b": "Why is compliance with complex laws and regulations critical for companies working with the U.S. government?", "9432d5e9-8dd6-477c-a1a1-90dc154433f6": "What types of reports does the company file with the Securities and Exchange Commission (SEC)?", "74d51d0d-7ed8-461b-adab-4f9ef80c7622": "How can investors access the company's reports filed with the SEC?", "fed96aa4-3afa-4271-97bf-4489c4546780": "What are some of the industry and economic risks mentioned in the document that could affect the company's business?", "bd693a9c-8459-4850-b736-1f3e427cec9c": "What potential impacts do disease outbreaks or pandemics have on the company's operations and government spending?", "41d2c3c8-261a-42ae-9439-e45f41e3b382": "What risks are associated with the company's ability to compete in the bidding and re-competing processes?", "4691dc92-dc1b-4016-b9c8-0534d85500d5": "How might inflation affect the company's cost of doing business and customer buying power?", "8cbf27f0-c50b-447a-b580-821e22522640": "What are the implications of internal system failures and security breaches for the company?", "3b6bd091-1238-4541-9196-e21cbc4c31c6": "What challenges does the company face in attracting and retaining employees with necessary skills and security clearances?", "73d437cc-4697-4b45-a0d5-426d1d60ef2d": "What are the potential risks related to the use of artificial intelligence as mentioned in the document?", "a20cffa5-d936-41a7-ac16-85dba532dde7": "How does the company view its relationships with the U.S. government in terms of risk factors?", "8ed88dec-cf51-423e-8fb3-88eea09fa8b5": "What are the primary legal and regulatory risks mentioned in the document that could impact the company's operations?", "ccf87300-eb54-4802-963c-46480cac3924": "How does the company's substantial indebtedness affect its ability to service and refinance its obligations?", "1de53128-01d3-41e0-83a6-87ce6fd8afe1": "What percentage of the company's revenue for fiscal year 2024 comes from contracts with U.S. government agencies?", "8aac1d37-9cd3-4f46-878a-a76803dd28ac": "What factors are critical for maintaining the company's relationship with U.S. government agencies?", "0e632bbc-a1b3-4958-945e-f36942d530cf": "How might changes in tax laws impact the company's financial liabilities?", "c610a2ef-6695-4afd-8a71-b530dc614e8b": "What potential consequences could arise from mishandling sensitive information related to government contracts?", "b3ceaae9-7518-4efa-88e2-3089f1638ef3": "In what ways could negative publicity affect the company's reputation and business relationships with federal agencies?", "bc61bffb-fcf8-45b9-bb7e-c627a6995233": "What are the risks associated with completed and future acquisitions as outlined in the document?", "ca34a585-8d9f-432b-8281-0c88a7e0c32a": "How do changes in accounting rules and regulations potentially impact the company's financial reporting?", "53fbb952-e3ee-4858-8a84-d24f775be413": "What are the implications of the company's dependence on U.S. government contracts for its future growth?", "03d3ac5c-9c01-46e6-9020-1ce6b88b871b": "What factors could adversely affect future revenue for businesses dependent on U.S. government spending?", "1f4a8606-08be-4a17-9114-35b998cd2763": "How might changes in the U.S. government's debt ceiling impact contractors supporting defense and intelligence programs?", "7d6d9edc-f9d4-476a-ae5f-fa0bde9e5742": "What are some potential consequences of U.S. government shutdowns on businesses that provide support services?", "584c1a58-d316-4a60-8986-dcf5d66966ca": "In what ways could budgetary constraints influence the operations of companies contracted by the U.S. government?", "c135dffb-c2be-4a6c-867d-0da8e6f6effb": "What initiatives has the Department of Defense undertaken that could affect contractors' revenue?", "5630cbd3-f839-4c72-a0bf-13b80d16a2d4": "How could a reduction in federal awards for management support services impact a company's financial performance?", "21aefd83-ba3f-406f-9e7d-6b8033843490": "What events or conditions could disrupt the functioning of U.S. government agencies and affect contracted businesses?", "b6bd3498-e5bd-4b8c-921b-b96de61d2ed6": "What is the significance of the U.S. Congress addressing the debt ceiling in January 2025 for government contractors?", "36a327f2-1560-43a4-bb62-eca50442221f": "How do changes in political climate and economic conditions affect U.S. government spending priorities?", "38d596a4-cf3d-4d24-b2d6-bb7b70398773": "What are the implications of delays in government contract payments for businesses reliant on U.S. government funding?", "0f85b984-0a07-44b7-b2a2-0a238df222dc": "What factors could lead to a decline in revenue for the company mentioned in the document?", "85e3ddfa-4f20-4709-9e66-5e11ecbc8722": "How might a pandemic or widespread health epidemic affect the company's business operations?", "9e377585-074c-4994-be7e-9f0684fae528": "What precautionary measures has the company taken to minimize the risk of disease outbreaks?", "0de2aafc-e80d-4592-a321-5a5d0f1fa36e": "In what ways could disruptions in the supply chain impact the company's ability to serve its clients?", "bf7b0b57-026e-4ee2-9eb5-84e7220031c1": "What is the significance of competitive bidding in the company's revenue generation?", "4081dda6-0637-499c-a9f7-bd035b9dd68c": "What risks are associated with the competitive bidding and re-competing processes mentioned in the document?", "84acff23-8884-476d-8e7d-a752bc58c950": "How could employee health issues impact the company's workforce and operations?", "f3af0906-2c86-4eeb-9f6f-ab28460136ab": "What potential consequences could arise from competitors protesting contract awards received by the company?", "51a41120-c25e-479a-9976-dbdf0cc73599": "How does the company\u2019s reliance on U.S. government contracts influence its business strategy?", "cf2dff3c-6deb-4ff6-a91c-b118a3487148": "What challenges might the company face if it is unable to win new contract awards over an extended period?", "3f0561fd-3d60-4f2f-a1b5-18e692eacab0": "What are the potential consequences of bid protests from unsuccessful bidders on contract awards for the company mentioned in the document?", "2e9dd257-5707-45c4-8b91-60a6ba0471ca": "How many active task orders under IDIQ contract vehicles does the company hold as of March 31, 2024?", "dccfd87a-5c90-4760-a68d-e664db02caca": "What are the three general types of U.S. government contracts that the company enters into for its services?", "2c242801-fefb-4156-a2a0-9738d2464a94": "What financial risks are associated with cost-reimbursable contracts according to the document?", "27002747-fcc0-46d1-a2ba-a3548cebbccf": "How does the mix of contract types affect the company's earnings and profitability?", "af72817b-50fb-4ab8-95c3-6b25d6d07058": "What is the primary difference between time-and-materials contracts and fixed-price contracts in terms of financial risk?", "141787d8-cbe1-4357-aefe-dd69f2676061": "What impact could the loss of certain contract vehicles have on the company\u2019s ability to win new business?", "7903080a-06dd-4917-b1e1-36f34ed607ce": "What recent changes have been made regarding allowable compensation costs for government contractors?", "969aff9c-2651-4ee3-80e9-2380fe1ecc43": "How does the company's ability to generate revenue under IDIQ contracts depend on task orders?", "8035970a-7d5d-48e3-b7eb-f1490e5903f8": "What are the implications of the U.S. government's intention to increase the use of fixed-price contract procurements for the company's financial risk?", "1c524d93-8775-4a92-8961-c306fd403341": "What are the two types of contracts mentioned in the document that the company engages in with the U.S. government?", "8aa20cbe-c7bb-4880-a5a3-84de64c09dc2": "How does the financial risk differ between time-and-materials contracts and fixed-price contracts?", "415d3141-2aef-463d-ae0b-a127d03cb468": "What potential impact does an increase in fixed-price contracts have on the company's financial risk?", "cd92c8aa-b79e-4c9d-97f0-045f72f258c2": "What factors could lead to cost overruns on fixed-price contracts as outlined in the document?", "92f6b995-ae96-4e99-900c-2e0dc189ccfa": "How does the company account for potential losses on contracts according to GAAP?", "ac40f033-a3a9-4054-a1e5-5db3ec821d3e": "Why is the company's professional reputation important for its business with U.S. government agencies?", "11c9d4d3-ba4c-426c-8f81-105498a359ed": "What could be the consequences of harm to the company's reputation in relation to its government contracts?", "eede7b78-f7ba-4490-9064-850f3ab3261c": "What are the benefits of fixed-price contracts compared to time-and-materials contracts?", "8760dc6e-ce54-4e8a-8096-e7ec883ab39a": "What types of delays are mentioned that could affect project completion and contractual milestones?", "3772719d-71c1-4eeb-8d8a-dfbf2818277a": "How might miscalculations in bidding affect the company's profits under fixed-price contracts?", "1e4dff53-63b2-4d00-94cb-c75f35be3249": "How does the company's reputation with U.S. government agencies impact its revenue and growth prospects?", "3f6aa25b-b584-4270-9ab8-e44f16052922": "What factors could lead to the termination of a contract with a U.S. government agency?", "c9448573-3f45-4446-bdd2-a60a56104511": "What method is primarily used to recognize revenue from fixed-price contracts?", "7611705d-dbe9-47f1-aec5-4e6cb9b2823b": "What are the potential consequences of negative press reports regarding the company's performance or conduct?", "8d44247b-5ca8-4816-9239-adc12bd59ed1": "How does the company estimate costs and award fees for its long-term contracts?", "ace4733c-5289-42ca-bad7-44462839a041": "What is the significance of backlog in relation to the company's expected revenue?", "5a7c8377-7a0f-45e7-b142-ebd9885c2e56": "What contingencies can affect the actual receipt of revenue from contracts included in the backlog?", "4ac07354-c7c8-4a50-8949-013bdda52624": "Why might the company not realize the full value of its backlog?", "edfec222-2742-4109-92a5-e69ba9a3292b": "What risks are associated with unfunded backlog and priced options?", "0682663a-f8a5-429a-badc-6f849b2a6125": "How can changes in underlying assumptions or circumstances impact the company's financial results?", "43e40ca3-daa0-4e08-9f0d-1cabcb79ab93": "What factors could lead to the delay or non-receipt of revenue from contracts included in backlog?", "baea62f1-f669-4bdd-8a83-d08eec2b4d0f": "How might changes in U.S. government spending affect the funded backlog of contracts?", "6b3895b0-8875-487e-9109-78668b238ce7": "What are the potential consequences of a lack of appropriated funds on contract performance?", "50943bad-3f06-4f4a-a397-95fba0660f8d": "In what ways can client staff headcount growth impact revenue recognition?", "16c643f4-88c6-4135-80c7-41ef81d390c7": "What role do subcontractors play in the timely recognition of revenue from funded backlog?", "86cc8c9c-0988-4f1c-8c79-911b6c14b793": "How can changes in congressional appropriations influence the amount of funded backlog?", "6c12036a-613a-4b44-9a10-fd68f5462939": "What are the implications of the U.S. government's unilateral right to cancel multi-year contracts?", "190134d8-433f-4615-95c6-21b29532891d": "What challenges might arise from the expiration of appropriated funding at the end of the U.S. government's fiscal year?", "8fa239b0-9153-4ad2-a71f-682af79771c1": "How does the cancellation or adjustment of contracts by the U.S. government affect revenue potential?", "dc067164-6533-441a-a90a-2e0ca4bb364f": "What are the risks associated with recognizing revenue from backlog contracts, even if they result in revenue?", "b7939c33-4053-49a7-a11b-768286780500": "What types of sensitive information do the systems developed and maintained by the company handle?", "05358abc-9c87-4a24-903f-97e803a8a2d1": "How do cybersecurity threats impact the company's reputation and future contract opportunities?", "a0423948-6ed7-4694-b5c3-40923e30ce4c": "What are some examples of the sources of threats faced by the company and its clients?", "e359c169-7a15-41ab-843c-ef9363aebf90": "What measures has the company implemented to protect against cyber attacks?", "b844c561-d8e4-40e0-b868-70c1fe29da74": "How can insider threats contribute to security breaches within the company's systems?", "0e02b2de-5ac7-4c8e-adfe-761d32a4239d": "What potential consequences could arise from a successful cyber attack on the company or its clients?", "8addcb5e-e1da-4f56-9091-a25fcad7e4f2": "In what environments are the company's IT systems often deployed, and why does this matter for security?", "07df6e09-afaf-458b-8516-c629f57aa233": "What role does artificial intelligence play in the evolving landscape of cybersecurity threats?", "13fde811-221e-4f67-82f3-fb41a05ecd54": "How might geopolitical tensions influence the likelihood of cyber attacks on the company?", "2578b1c8-c6d6-4036-b7f6-1e3510ed66ae": "What types of cyber attack vectors are mentioned as being a threat to the company's systems?", "f1036c1f-1514-4d04-bd9b-5f1ed1e962c6": "What measures have been implemented to detect and protect against cyber attacks mentioned in the document?", "aa4b2ab2-3c72-4cff-8c52-ad942b12bf27": "How might geopolitical conflicts influence the likelihood of cyber attacks on the organization?", "2cb62f5f-3f7c-44ca-95b7-9b8a6e3edc3e": "What potential consequences could arise from a successful cyber attack on the organization's systems?", "0a9640a0-bffb-4f1a-88bd-bfede9138b1b": "In what ways could insider threats impact the organization's information systems and data security?", "afb09d32-a4e1-45d9-9aaa-e28de929138d": "What are the possible effects of system failures or disruptions on the organization's operations?", "a3269529-73d3-480b-890f-f262e84188ae": "How might the failure to adhere to information security protocols by employees or contractors affect the organization?", "f87e1a50-6671-41c5-a36a-89232a9c3456": "What types of sensitive information are at risk of being compromised according to the document?", "1224d2b1-8355-4201-887d-aecc53c159e1": "What role do state-sponsored parties play in the context of the cyber threats described in the document?", "7182d0bb-b8b0-41a9-89f4-01825ce497d2": "How does the document characterize the organization's past experiences with cyber attacks?", "7603d8a7-257b-4303-93f7-2a312c88fbb5": "What is the significance of the reference to \u201cItem 1C. Cybersecurity\u201d in relation to the organization's risk management program?", "9bfd505b-3ea8-4970-880a-ca5285b02a46": "What potential consequences could arise from significant defects or vulnerabilities in our systems or services?", "1b628cca-e801-4cd7-82d8-24551046656d": "How might a successful cyber attack impact our revenue and client relationships?", "9be920f7-309b-4c64-8b29-643bd0a62298": "What are the potential costs associated with remediation efforts after a security breach?", "54a41922-4ce3-4290-8fa5-c8ac8176a866": "In what ways could negative publicity affect our brand and ability to attract clients or talent?", "46faabcd-5a18-463c-8e0a-81a969acbe97": "What legal and financial risks are associated with non-compliance to data privacy and cybersecurity laws?", "a096a2e8-6b44-4e5e-8e8e-96b60fb4ce11": "How could the failure to maintain secure information technology systems impact our marketing efforts?", "4f5bc1fb-2807-4f33-a7de-561ec6bdb3d8": "What types of claims could clients or third parties make against us following a successful network breach?", "d7239891-2344-4f43-8645-5c4e14646e63": "What challenges might we face in obtaining sufficient insurance coverage for cybersecurity-related claims?", "6b68652a-6cfe-4c10-abf5-01e13edf8dc9": "How could the implementation of data privacy laws affect our operational costs and use of personal data?", "f16b319c-fd78-4b29-adae-fbf174bb409d": "What are the potential implications of new laws regarding artificial intelligence on our business operations?", "0a88e3fb-67c5-47de-811f-ae5dd66cf5e9": "What are the main compliance obligations imposed by the GDPR and UK GDPR on companies processing personal data?", "098ca9e1-2055-4d4d-8cb3-6011beb0326b": "How do state privacy laws like the CCPA and VCDPA impact Booz Allen's handling of personal information?", "d16aa99c-f149-4892-83a9-7c9b0687aa2a": "What potential risks and liabilities does Booz Allen face in the event of noncompliance with privacy laws?", "406fb2f8-bb24-44da-a5b4-dcd88157ef46": "How might federal privacy legislation affect the existing state privacy laws in the U.S.?", "81c6218d-f8d9-48a7-971a-c945c4165046": "What types of personal information are covered under the CCPA in the context of recruitment and employment?", "9592713d-f338-422c-8bc6-7876741d05e0": "What are the potential consequences of a significant data breach for Booz Allen's business operations?", "65e4c70d-dd01-4a31-9f4d-40f062cc35e0": "How do comprehensive state privacy laws create additional compliance obligations for companies?", "698cc70d-036b-4de1-98bb-cd8862baa427": "What resources might Booz Allen need to allocate to comply with information security and data breach legal requirements?", "2ca0fa63-35b4-4d72-b6b8-401dea54a891": "In what ways could emerging global privacy laws affect Booz Allen's business processes?", "eece39c3-a739-4edc-970a-8f2bc002428f": "What are the implications of having different compliance measures for privacy laws across various jurisdictions?", "6c213e10-648a-468e-8d4d-d2769e408b6e": "What are the key regulatory compliance requirements that contractors supporting defense and national security clients must adhere to regarding data privacy and cybersecurity?", "d73bd419-04f0-420d-9122-d4e8d262983e": "How does the Department of Defense Cybersecurity Maturity Model Certification (CMMC) impact contractors' eligibility for contract awards?", "72ced28d-5f20-4683-a8e7-cdf1fc0867c7": "What changes were made in the transition from CMMC 1.0 to CMMC 2.0?", "e0d0d35b-2798-48d4-9759-826a6a80f75e": "What potential consequences could arise from failing to comply with the CMMC program requirements?", "687e5e4a-b3bc-475b-95a3-de8a756dbea4": "What types of artificial intelligence technologies does the organization utilize in its business operations?", "c16b40e4-b7f0-4e53-9b54-af93f490ddba": "What risks are associated with the use of artificial intelligence as mentioned in the document?", "dd45435c-a381-450e-a48a-a569e3fc60df": "How might the performance of AI algorithms affect the organization's business and operational outcomes?", "5a823cc5-eb21-429e-afb8-b61f38a1a456": "What are the implications of subcontractors and vendors needing to comply with CMMC requirements?", "f414dc14-d214-415f-883a-6ac5a8693af8": "What specific challenges could arise from the use of AI in terms of data quality and algorithm performance?", "52c1b2a0-d8e9-4e27-9c13-d238778662fe": "How could public perception of AI impact the organization\u2019s reputation and operational efficiency?", "551631ce-ae38-45ab-99b4-e2c34b6598bd": "What are the potential risks associated with the use of AI as mentioned in the document?", "9382a1f6-c8b5-434c-9800-77614fa6ee77": "How might adversarial attacks affect the performance of AI technologies?", "10c49abb-9595-445e-baeb-8217ed76d6e6": "What legal and regulatory frameworks are evolving in relation to the use of AI?", "8c6c364d-1318-4b48-87cb-3f94c9598261": "What are the possible consequences if AI produces biased or flawed results?", "d4f6646a-5b95-4175-ae11-6d3cf2f38307": "What actions did the Biden Administration take in October 2023 regarding AI safety and security?", "c75bd9f7-4d83-4232-80ac-15124d96ff57": "How could the enactment of new laws and regulations impact compliance costs for companies using AI?", "4d93905b-41b2-4a2f-a8f4-f1b0934a7544": "What types of deficiencies in AI algorithms are highlighted in the document?", "50975077-ace8-495c-a447-c4348c6a366e": "What are the implications of relying on third-party AI developers for technology and data?", "242f0705-3c48-4af3-9ea5-5bcaefe4ae32": "How might public opinion of AI influence a company's operations and reputation?", "1722d78f-fb6c-4377-8434-3b820a85e317": "What kinds of legal liabilities could arise from the use of AI technologies according to the document?", "96cef970-3aeb-4b6b-b799-1691506d15b6": "What challenges does the company face when modernizing its financial management systems?", "7118b673-1182-438f-b5c3-f4608b150a9a": "How might difficulties in operating new financial systems impact the company's profitability?", "982e3ca1-17b4-4c07-abbc-3d5fb165c024": "What factors contribute to the competition for skilled personnel in the company's industry?", "10b5ae9f-d4f9-442a-97e2-280edfc4a7a8": "How can the process of obtaining security clearances affect the company's ability to perform on contracts?", "fe7811cd-0603-4a25-bf83-6b6edaae9091": "What are the potential consequences of failing to attract and retain qualified employees for the company's growth strategy?", "8d095257-fc8b-44a9-aac3-3d517e849c4a": "In what ways could disease outbreaks or pandemics impact the company's recruitment efforts?", "beb731e4-d5ca-4e1b-ac99-1b1846ab1e5c": "What are the implications of relying on contracted personnel instead of permanent hires for the company's profit margins?", "a670c0bc-eaba-4473-b45a-ab7df7c5b10c": "How does the loss of key personnel affect the company's ability to retain contracts and win new business?", "98714cb4-bfb5-4851-ae88-bf7874608ced": "What investments are required for training and retaining skilled employees, and what risks are associated with employee attrition?", "7ae66525-567a-4032-b0f8-7d21869ea594": "How do adverse labor and economic market conditions influence the company's ability to recruit new employees?", "a942daaa-5030-43b9-8f7b-3c9f01eab336": "What challenges might a company face if it experiences attrition in its employee ranks according to the document?", "bdb3c75c-a3a0-414c-b03d-ce644113f682": "How could the loss of key personnel impact a company's ability to perform on contracts?", "5f9a6cc6-9e03-4608-a364-59849155da1e": "What are the implications of failing to obtain necessary security clearances for a contractor?", "716dd51f-e711-4a05-adf3-82543955f796": "Why are security clearances important for contractor employees working on U.S. government programs?", "1f63febc-0fc4-46a5-a8bd-ad088c4c6d33": "What factors can affect a company's profitability related to employee utilization?", "65dace6d-9255-4b32-b3f2-9799f1334734": "How does the ability to transition employees from completed projects to new assignments influence a company's operations?", "0f559dde-498f-4ca8-84fd-b54038eaf7ee": "What potential consequences could arise if a company cannot maintain facility security clearances?", "967a1af6-7d78-4d90-8ef3-076c3e128f81": "In what ways might the inability to hire and train replacement employees affect a company's growth strategy?", "1b690cb5-29d2-429a-8426-245f0d94f272": "How can the timely retention of security clearances impact a company's ability to win new business?", "50ff37ce-c92e-438e-b342-7972b7adca69": "What role does employee training play in a company's ability to manage its cost structure effectively?", "62d32fdc-e8ea-4426-af4e-77c8b225c4f3": "What factors can affect the ability to forecast demand for services in the context of the document?", "c6c08661-c89f-465f-bcbc-c676ec4f402d": "How does employee utilization impact profitability according to the document?", "8f203582-5567-41f6-954c-c9488e15d786": "What are the potential consequences of global inflationary pressures on the company's cost structure?", "47342abb-4c9c-41dc-a7d3-c1a6aee33d08": "In what ways could geopolitical factors exacerbate inflationary pressures mentioned in the document?", "d8c2738a-711f-4ac7-af59-c1efedc8c92e": "How might a deterioration of economic conditions influence the demand for the company's services?", "bea8c920-f036-43e5-b7d7-5130a9b4c922": "What role does senior management play in the success of the business as described in the document?", "f54c118f-8a14-467e-afc8-e5b23594617b": "What challenges might arise from the inability to manage attrition within the workforce?", "fe5306da-0fd6-4ef1-9b02-5240eccc7b23": "How could instability in credit or capital markets affect the company's financial condition?", "5f9f23da-2125-4404-be05-17593e13dfb8": "What strategies does the company employ to mitigate the impact of inflation on long-term contracts?", "dc9c5523-0a28-4caa-b298-1dab2aca685d": "What are the implications of reduced customer buying power on the company's operations and profitability?", "2754eee0-c09b-4f83-b5e7-6dc726dd9107": "What factors could lead to counterparties being unable to fulfill their contractual obligations according to the document?", "f5df1eed-f36d-4c9c-a5b9-c0682a2ad278": "How might instability in the credit or capital markets affect the company's clients?", "da40b7ca-e95e-4c57-8315-59c2670e2021": "What potential impact could the loss of senior management have on the company's operations?", "28731f99-d212-45cf-9182-130f42d0d12c": "Why is the development of new leaders considered important for the future success of the business?", "f418509b-8d03-4c9d-8a5c-1946d9152b8a": "In what ways do the relationships and reputation of senior management contribute to the company's ability to generate business?", "1d70fcb1-e632-4481-9126-0091f5d56089": "What are the potential consequences of failing to maintain good client relations as mentioned in the document?", "828adab5-07b1-4ea3-957b-4b7a73c8c15a": "How does the document describe the importance of senior management in executing programs successfully?", "6ef428fc-6b18-4ffa-9e96-344c555333b3": "What could be the material adverse effects on the business if clients are unable to fund their projects?", "32edca52-09e6-4053-8510-b74c62804442": "What role does the senior management team play in identifying new business opportunities?", "6483a5d8-8fcc-41f9-ad84-a792a8815d7b": "How might the disruption of management affect the overall performance of the business?", "10e44d40-827d-4242-8b6d-1022468af676": "What types of misconduct could employees or subcontractors engage in that may harm business with the U.S. government?", "3badb2af-fa4c-415d-95e9-83a7d9519776": "How might fraud or misconduct by third parties affect a company's ability to conduct business?", "1e8a3076-d34c-4577-bce2-81ca623d145d": "What are the potential consequences of employee misconduct in relation to security clearances and government contracts?", "bf1df483-f55f-44ae-864b-2c605a3e412c": "What competitive challenges does the company face in the U.S. government contracting industry?", "34cd3905-6cd0-4dec-925c-d195736c3006": "How could the trend of bundling services into larger contracts impact the company's business?", "f13c25ad-e133-44a7-93d9-390ccbfe9747": "What risks are associated with subcontractors seeking prime contractor status on contracts?", "d8faf3b9-da98-4de4-bd28-f75ecbb2f88c": "How does maintaining strong relationships with other contractors influence the company's business operations?", "ac6de03d-78e7-4073-836c-e8e0a4eab06c": "What factors could lead to the loss of business to competitors in the government contracting sector?", "de78a4d1-8093-497a-a8e2-caeee2667075": "What are the implications of failing to comply with U.S. government procurement regulations?", "3fe33b65-dc97-45ec-9d0a-80add85922d2": "How might reputational harm affect the company's financial condition and operational results?", "bbe7631c-db1d-4a0c-906a-2572bcbafa33": "What are the potential consequences for a prime contractor if their subcontractors fail to perform their contractual obligations?", "b63417a4-0f76-44e9-8fc8-b824da7eab31": "How could disputes with subcontractors impact a prime contractor's future growth prospects?", "242820df-9028-43c1-8df6-253ca044e97c": "What risks do subcontractors face if they lack control over the fulfillment of a contract?", "d407bc89-58c9-4cf2-a4a5-0d6f756937ab": "In what ways could a delay in the U.S. government's budget process affect a contractor's revenue and operating results?", "b5c59b1e-d81f-4e1e-bda2-e3ca504e7bee": "What might happen to subcontracting opportunities if the U.S. government terminates or reduces programs for prime contractors?", "84c450b3-4329-45ff-ae16-56936b7a067e": "How can delays in contract payments from prime contractors affect subcontractors financially?", "63909e7c-846f-4979-a51e-f77be29a4a21": "What are the implications of a U.S. government shutdown for contractors working under government contracts?", "6370d38e-74b6-47b8-8d2a-401198eebeca": "What types of risks and potential liabilities are associated with designing and implementing advanced defense and technology systems?", "8093e7ae-e0d2-46e8-aba0-2337e3057e0a": "How does the availability of insurance impact a contractor's ability to manage risks related to their operations?", "de266a55-519c-4df8-9736-3bdac9591880": "What might be the financial consequences for a contractor if their insurance coverage is inadequate to cover claims or liabilities?", "01c49634-3d00-4860-a457-60d3297458a7": "What measures does the company rely on to protect its proprietary information and intellectual property rights?", "72479fb9-6928-4336-94a4-3b63c6f6fdee": "How might the failure to protect intellectual property rights affect the company's competitive position?", "04b3ffb5-bef5-4e94-bac9-e3b8c4bd5643": "What challenges are associated with enforcing trade secrets and confidential information within the organization?", "6d2b5e44-5841-42e3-b97b-184ad9f4683d": "What potential consequences could arise from third-party claims of intellectual property infringement against the company?", "f1c44e7c-481a-45f9-a589-95a0aeb25b2d": "What are the inherent risks involved in the company's focus on new growth areas and developing new client relationships?", "06f2c4da-bfe0-416a-8631-e1a48c3009b4": "How does the company plan to address the evolving needs of its customers in relation to rapidly changing technologies?", "e209916d-1864-4670-bbb0-776565083c2f": "What legal standards must the company comply with when expanding its service offerings, particularly in cybersecurity?", "68bd0edc-300d-4e3d-9449-ea468275990c": "What actions might the company need to take if faced with infringement claims, and what are the potential costs associated with those actions?", "9c43d6d3-1bb3-46c8-b31e-8546a8175ec1": "How does the company intend to strategically incorporate AI technologies into its business to maintain its competitive edge?", "a0197552-d582-44cd-9147-93a75d2482ab": "What factors could limit the company's ability to successfully develop new technologies and capabilities in response to client needs?", "be3f39f0-2035-400a-b84d-97dd18754e13": "What are some potential consequences of failing to comply with data privacy and cybersecurity laws mentioned in the document?", "43d9cdce-382d-465c-aca0-c6eb44574fff": "How might the changing needs of customers impact a company's ability to develop new technologies and services?", "78522d78-f053-4d02-b5cc-ee1ad0851431": "What factors could lead to a diversion of focus and resources when developing new relationships and service offerings?", "3b0dd779-8a80-41f0-9683-0d24ee294c8a": "In what ways could the implementation of GDPR affect a company's operations and use of personal data?", "0c10c79a-487d-428b-b4dd-6181fc2c7af2": "What challenges might arise from the conflicting requirements of various laws and regulations in foreign jurisdictions?", "088f07ca-bd7c-46ae-b634-bcacc72f01bf": "How does the document suggest that competition could affect a company's existing capabilities and service offerings?", "38a486c3-a108-4f4c-9bf8-7e750736d4ee": "What role does research and development play in a company's efforts to remain competitive according to the document?", "7cb0bb84-36e1-4bd9-9ac1-14e0f3d9b10d": "What are the potential risks associated with pursuing new technologies and capabilities as outlined in the document?", "c9153ea8-9776-4f41-9d58-7f25bf4b4bbc": "How can the failure to achieve market acceptance of new capabilities impact a company's financial condition?", "b76d98e8-db64-4337-9e94-351c59e8cd3b": "What is the significance of maintaining access to suppliers of important technologies and components for a company's success?", "1f2f1b80-662b-4b6c-9406-05bc036624c3": "What factors could adversely affect the company's ability to grow its business according to the document?", "af39aeb3-82ab-4e92-bb94-39640b665e7d": "How does the company ensure compliance with laws and regulations across its various geographic locations?", "661312f4-deed-4bce-b0ec-0779af7c17ab": "What challenges might arise from the company's contracts with the U.S. government that are classified or subject to security restrictions?", "7cf76f30-8d3b-4593-a7e5-dcb7c3348aae": "What is the significance of maintaining a collaborative culture for the company's business growth?", "eba47706-209a-4ec3-ae8e-ba79b484d8fe": "How might changes to the company's operating structure impact its business model?", "2acc1513-7eb6-4d70-8e70-a5e6cfd8c267": "What are the potential consequences of delayed payments from the U.S. government or prime contractors on the company's operations?", "e9b45c56-0255-4ed3-8a3d-6168f38ab3e2": "In what ways does the company monitor U.S. government spending and budgetary priorities?", "3ec8a65c-ece2-48c0-ac18-407c183ef241": "What role do security clearances play in the company's ability to share information about its contracts and services?", "68fdf79f-b911-4782-b271-1a6f5e7f0646": "What types of strategic actions does the company consider to drive organic growth and expand its service offerings?", "520860a6-5912-4ba6-8305-7e25220d051f": "How does the company assess the effectiveness of its operating structure and strategy in meeting client needs?", "3cfe9f5a-7091-48d7-96d3-ecd1976c0c3d": "What factors may cause the U.S. government to delay or fail to pay invoices according to the document?", "b2e63d67-498f-4d59-9037-90d67edd61e4": "How do the financial resources of prime contractors affect the risk of payment delays for subcontractors?", "7ece7682-c8f3-4fc2-adc6-2571e63c9843": "What types of transactions does the company engage in as part of its operating strategy?", "63aa93d7-57d7-4155-86dd-db849d0c89f8": "What are some potential risks associated with acquisitions and investments mentioned in the document?", "e3397764-36d2-4fda-9092-af8f2083a485": "How does the company align its investments in new capabilities with U.S. government spending and budgetary priorities?", "a690b222-11bf-4f5c-bb73-6c272897ddbb": "What uncertainties might affect the identification of suitable acquisition and investment candidates?", "bb15c896-c776-4f20-94a3-7fa73c91921d": "Why might acquisition and investment candidates choose to delay entering into transactions?", "e6b55f9e-7045-4f33-8986-489f16c2bb7f": "What is the significance of monitoring U.S. government spending for the company's growth strategy?", "c6849e28-e2c8-4396-8384-47257d7ff755": "How do audit findings by government regulatory agencies impact billing rates and payments?", "d0400338-8a36-43a6-848c-a1ae2422c8d5": "What are the implications of having fewer financial resources for prime contractors on subcontractor payments?", "a0118c11-2c0a-4008-81b7-c7d6c652e056": "What are the potential challenges faced when competing for acquisition and investment candidates as mentioned in the document?", "5846bab6-5226-4ab4-b390-6bf3a26c178f": "How might increased scrutiny by antitrust authorities affect the completion of acquisition or investment transactions?", "134c914e-671c-4d01-8e8e-a36be0a2840f": "What financial implications could arise from future acquisitions and investments according to the document?", "c4d2ed9e-af4d-4979-a226-725581efa547": "What difficulties might arise in retaining key employees or clients from an acquired company?", "bd5feec3-e257-4359-8f4a-634b4027a386": "How can the integration of acquired businesses impact the strategic value of a transaction?", "ab687afb-d977-43e0-a55e-c1d16c61ca22": "What are the risks associated with undiscovered liabilities in connection with acquisitions or investments?", "30080c42-99db-4a31-a7ba-bd99dd36d95e": "What could be the consequences of goodwill impairment on the company's financial results?", "458319ba-dac6-4f64-a629-246da44745cf": "How does the document describe the potential impact of divestitures on the company's operations and management focus?", "ee1dff83-be39-4de4-aefd-63fcb4f67197": "What legal and regulatory risks are highlighted for U.S. government contractors in the document?", "1ea53f34-2fd2-4497-acba-39861275b61f": "What factors are considered in the impairment analysis of recorded goodwill, and why is this process inherently uncertain?", "e8da146d-f75b-4d9a-92d6-75f674904a80": "What is the consequence of goodwill impairment as described in the document?", "bf8cac15-0555-4989-94b7-efb466e5a69d": "How can non-cash impairment charges impact a company's operating income?", "bb71957e-f9ba-48d3-b7ce-07c27bfa4304": "What are the potential legal repercussions for failing to comply with U.S. government regulations?", "5a255c65-7696-4b36-9efc-744ebce1ec5c": "What types of penalties could a company face for non-compliance with government contracting laws?", "212debfb-09f2-4440-a215-a83f53318bb4": "How does compliance with laws and regulations affect U.S. government contractors' business operations?", "7d056ba2-f716-4819-90fa-d792cc71b1a6": "What could happen to a company if it is suspended or debarred from U.S. government contracts?", "a541ff46-19e1-45a1-af8b-e4dc4c242e89": "What are some examples of significant laws and regulations that impact U.S. government contractors?", "4dfb548b-822a-4933-ac96-9c4473bb02c5": "In what ways can added costs from compliance affect a company's financial performance?", "0d1460dc-6970-4c9b-aa0d-cd107cd34c17": "What is the relationship between legal compliance and the ability to secure U.S. government contracts?", "941260c2-906d-4ba7-9229-6c999d4ad42a": "What are the implications of a company facing civil or criminal penalties related to government contracts?", "79661c77-ff9d-43b5-8c26-0207070e23d5": "What is the purpose of the FAR 52.203-13 in relation to U.S. government contracts?", "28a6a4af-c417-467b-92d1-07ef32cd5d87": "What penalties are imposed under the False Claims Act for presenting false claims?", "b050ede0-b762-4bf4-83a8-d218d33ca60e": "How does the Procurement Integrity Act affect access to competitor bid information?", "7c15cb09-ccaf-487d-b9fd-8100883f01eb": "What are the restrictions placed on contractors regarding gifts to U.S. government employees?", "d25f9d0c-1601-4303-9481-bd79ec79c30a": "What requirements are outlined in the Truthful Cost or Pricing Data Statute for contractors during negotiations?", "b90e2db0-91aa-4db5-a245-fc7557aab928": "How do post-government employment laws impact a contractor's ability to hire former government employees?", "206e7f95-61ee-42ad-9265-3aa595a5c2c8": "What are the implications of the Contractor Business Systems rule for Department of Defense contractors?", "02cd42a5-5791-4556-90a5-e971a933dc51": "What types of information are protected under laws regulating the handling of personally identifiable information in government contracts?", "4508ead5-1a85-4d01-b426-ea47af6072e3": "How do international trade compliance laws affect business dealings with sanctioned entities?", "8935c2df-0b36-4791-a33d-db326a2dddb0": "What measures must contractors take to comply with organizational conflicts of interest when bidding for U.S. government contracts?", "abb576c3-08d4-44f7-85b1-0855a3aa7475": "What are the potential consequences of non-compliance with U.S. government contracts as outlined in the document?", "10678778-9205-4dca-a1ad-ef93b791cf2a": "How might an audit or investigation by U.S. government agencies impact a company's future contract awards?", "78022d2f-58e9-41c3-bf1b-d7b8794c8c1d": "What types of legal claims and proceedings might a company face in relation to its U.S. government contracts?", "a9bcb9c5-a251-447e-a221-f4ec5c0bb750": "What factors could lead to increased regulatory scrutiny for companies working with U.S. government contracts?", "d1f652fa-784e-49a0-9c13-6d538b3316f6": "How can adverse judgments in legal disputes affect a company's reputation and operational capabilities?", "3c6f8e15-e8f3-4bd3-b3cf-f39efe0c6514": "What geopolitical events are mentioned in the document that could impact the company's business operations?", "6f11937a-d649-4cc7-b24c-37f2e4386833": "What are some examples of investigative techniques used by the U.S. government during audits of government contractors?", "6b91570f-2370-47c6-839d-ead631620bfe": "How might a company's cash position and profitability be affected by penalties or sanctions from government audits?", "1e560204-ec68-46bf-88b6-e03a4910d80f": "What areas of compliance are highlighted as potential focuses during U.S. government audits?", "3a619276-3111-4598-8986-406494412255": "In what ways could ongoing global conflicts influence the company's market performance and operational results?", "66310aac-6aa8-4f32-bdaf-13f691ec0887": "What potential impacts could litigation have on the company's reputation and insurance coverage according to the document?", "795da9cf-dea0-41b1-8fef-89510fa432bd": "How might geopolitical events affect the company's markets and operational results?", "07a7deb1-39af-4cc8-941a-a451584ddd4e": "Which specific regions are mentioned as being sources of ongoing instability that could impact the company's business?", "e19bb39a-300a-4889-bbbd-9e87db6644a8": "What are the implications of the U.S. government's enhanced export controls on the company's operations in relation to Russia?", "4303824c-5aeb-47a9-8748-10d0322f3ae2": "What types of risks are associated with the company's international business operations as outlined in the document?", "4bf2e3bb-417f-49ed-938d-b21064b2740d": "How do current conflicts, such as the one between Russia and Ukraine, influence the company's supply chain and business partners?", "621ea2be-e628-4427-a69a-d2017e9e9115": "What role do financial market uncertainties play in the company's operational stability according to the text?", "4ec95574-ec10-4368-aaf3-1e41de89d57d": "What potential actions might other jurisdictions, like the European Union and Canada, take in response to the conflict between Russia and Ukraine?", "5794f3ef-a08e-4be9-8573-791f2272c949": "How could changes in laws or policies impact the performance of the company's services?", "12930c0a-3d81-4fb4-9471-c9b6ee129cb0": "What are the broader economic and political uncertainties mentioned in the document that could affect the company's profitability?", "7ad5d6bc-556a-45c3-9aeb-9f436bcfedef": "What geopolitical conflicts are mentioned in the document that could impact international security concerns?", "4929ad48-c698-4e89-b2ab-cb780797979f": "How does reliance on foreign countries for critical parts affect the company's technical delivery requirements?", "3a473ec3-8a7a-4ad7-adb9-c4115844e581": "What are the potential consequences of failing to comply with U.S. government and foreign laws and regulations in international business?", "8131a97b-eb68-4c19-9f2d-2e223efbf284": "What specific laws does the document reference that prohibit improper payments to foreign government officials?", "445cb393-cc18-4a3e-b523-d0bc0ab603be": "How might the U.K.'s withdrawal from the European Union affect the company's operations in certain countries?", "724a4fb4-4284-471d-b2d4-b858538b2c4a": "What risks are associated with third parties that the company works with in relation to compliance with international laws and regulations?", "b618a4e7-b591-4d89-984d-c5abdb146d44": "What are the implications of the U.S. Foreign Extortion Prevention Act (FEPA) on the company's international operations?", "1f388d3b-1e41-42ba-b9d1-757bddb107fc": "How could changes in state and federal regulations impact the company's business practices, particularly regarding anti-money laundering?", "9f139e07-de6c-4c6d-bc73-c37be2245f65": "What types of trade restrictions are mentioned that could interfere with the company's ability to offer products or services in certain countries?", "398c0298-1caf-4c8a-ad1c-47c5ab20d465": "In what ways could the company's data protection practices be affected by new or different restrictions in the jurisdictions where they operate?", "ced5966f-c53f-4148-a5ca-744d00ef69a8": "What potential consequences could arise if data protection practices become non-compliant with local laws?", "68a91666-4dec-4def-a8a0-96b06135ac3a": "Which U.S. office is responsible for administering and enforcing sanctions related to prohibited transactions?", "6c44e139-79e3-4153-9ef3-4f1c256e84f2": "What types of regulations are mentioned that could impact the dissemination of information for national security purposes?", "e9d2e76b-f798-4248-a11f-88d81149d4dc": "What are the possible penalties for failing to comply with the Foreign Corrupt Practices Act (FCPA)?", "b38bc9e6-8f02-4474-962d-48ddd8b856cf": "How could increased compliance expenses affect the operations of a company processing data in multiple countries?", "7bcb69b5-b371-4b78-96b6-d2b6b79bd0aa": "What are the implications of being excluded from certain markets due to non-compliance with data protection laws?", "f3c6fb1c-819e-4071-8ad0-38cb507bf637": "Which UK office is mentioned in relation to financial sanctions implementation?", "0ac6a01b-d744-458a-853d-2d67fe4e99e1": "What could happen to employees and managers if a company fails to adhere to anti-corruption laws?", "cd2e41d4-50f5-4ca1-b0cc-de8d8976c153": "What types of products and services are subject to import-export control regulations according to the document?", "99748b0f-ce79-4d54-9a47-15f9b9d3d6b2": "How might sanctions laws impact transactions with prohibited persons, entities, and countries?", "3465b4d0-edf0-4932-b0bb-34998ac4954f": "What are the potential consequences of the U.S. government's efforts to revise organizational conflict of interest rules for contractors?", "dfb5a4d2-8acc-4681-b7ff-53a9f32e5cd3": "What specific types of circumstances can lead to organizational conflicts of interest for contractors?", "1fbe63e8-119f-4c5a-971c-a2b11ed40bf8": "How might the new federal law passed in December 2022 affect the definitions and examples of organizational conflicts of interest?", "3d633455-7340-4438-a976-b3c33514a0b2": "What impact does the Tax Cuts and Jobs Act have on the capitalization of research and development costs starting in fiscal year 2023?", "1690183c-2e69-4fe0-b150-146b82b5ebc7": "How does the company assess the adequacy of its uncertain tax positions and reserves?", "7db441c3-68c5-42a0-a1d7-005bcec4b256": "What are the implications of increased scrutiny on organizational conflicts of interest among federal contractors?", "2079911f-c11d-42da-ab2a-23d330be26af": "What factors could influence the actual impact of the capitalization of research and development costs on the company's tax liabilities?", "501822dd-d347-4136-ace9-5bcbe96dfe75": "How might future amendments to the FAR affect a contractor's ability to compete for U.S. government contracts?", "87d9073c-20fa-417d-881b-194b720b07c3": "What is the significance of the company's recognition of liabilities for uncertainty in income taxes?", "acf04de5-e0cb-4f64-a1a0-06dd1e8dc6a4": "How could the results of regulatory audits and negotiations with taxing authorities differ from the company's current accruals?", "bf8fea50-141a-4143-a513-67899d7a0d51": "What criteria must be met for a tax position to be recognized as a liability for uncertainty in income taxes according to the document?", "b1775c58-dcd8-4b15-8038-3dff26f4a077": "How does the company assess the adequacy of its uncertain tax positions and reserves?", "bf88acb0-2f34-4e3d-8fdb-76457e2f8587": "What potential financial impact could arise from regulatory audits and negotiations with taxing authorities?", "52914e60-7b94-47c9-a12a-44f0d9b32ce6": "What amount of additional uncertain tax positions was recorded during fiscal year 2024 related to research and development credits?", "bf421811-932b-446e-bf7e-03c918787294": "How might changes in tax laws and regulations affect the company's financial results?", "2b4d48c6-bd3f-4748-bc70-a23daabb076c": "What rights and remedies do U.S. government clients have in relation to government contracts that differ from commercial contracts?", "0caa27f5-f094-4ea5-ad0b-3e796e60c291": "What could happen if the company loses U.S. government contracts and fails to replace them?", "9edeb5bd-1232-4c14-b04a-34752aa5c226": "Where can one find a description of the company's accounting policies related to income taxes?", "240b11de-8ed7-4408-836c-91011e346eda": "What are the implications of a final determination from tax audits on the company's effective tax rate?", "9a702734-bb93-4142-b6a3-f94814b50c86": "What are the potential consequences of the government terminating contracts at any time?", "ec13addf-0efa-4c1a-8d50-dd14f0fd8532": "What actions can be taken to terminate existing contracts according to the document?", "8f558ed4-004d-44a4-842d-4ad1de9cd038": "Under what circumstances can a contractor's contract price be reduced due to inaccurate cost or pricing data?", "995aebee-e16e-4302-a362-c9b2ad7e3f03": "What are the potential consequences of providing incomplete data during the contract negotiation process?", "f9743728-ec38-4f8c-ade3-980de2a65a3b": "How can budget cuts impact contracts with U.S. government agencies?", "b324678d-7ebd-46f8-9bb0-7cb2b2afcbf8": "What rights does the U.S. government claim over solutions and technology produced by contractors?", "7a51965b-5c0e-4803-83a3-5bd9bf22118e": "What might lead to a contractor being suspended or debarred from doing business with the U.S. government?", "74934731-3a72-4bc6-93c9-8be2d3ebfbaa": "What is the significance of organizational conflicts of interest in federal contract awards?", "020a812c-fae9-4754-8371-db2391e0056d": "How can competitors influence the award of contracts through protests?", "228032d1-09a4-4f2f-9e54-5f4e4c7c0483": "What are the implications of terminating facility security clearances for contractors?", "f9821204-5705-4010-bb44-766e79f4a5be": "What measures can be taken if funds for contract performance become unavailable in multi-year contracts?", "2c4115fe-6038-4be3-9491-e7dd9635adf4": "What are the potential risks associated with government contracting as mentioned in the document?", "c1ccc3d7-915a-41f2-8c8d-c7f429df92e5": "Which U.S. government agencies are responsible for auditing and reviewing government contractors?", "969d8426-1c80-41e5-a2ec-f8bab29ea2af": "How can a determination of a significant internal control deficiency by a government agency impact a contractor's cash flow?", "d9504c40-1cb5-4de4-b472-68faeaf8e6d1": "What factors influence management's estimates regarding allowable executive compensation?", "62b9f19d-1e8e-4551-a695-ed0da8225ca1": "What is the liability amount recognized by the Company for estimated adjustments to claimed indirect costs as of March 31, 2024?", "e486a171-47e5-4108-97e3-12cd3946fa36": "How might unfavorable audit results affect a contractor's ability to compete for new government contracts?", "d5adcb3f-43df-480b-9266-17eda28f350d": "What could happen if a contractor's invoicing system is deemed inadequate after a DCAA audit?", "e4ecc4de-dd87-4767-8a00-7ce4e25f739e": "What are the implications of costs found to be unallowable under a government contract?", "f748d64d-3e0f-4e59-9362-542a9a66a9a7": "How does the DCMA's approach to executive compensation affect a contractor's financial condition?", "442a9792-6ac5-43d1-8241-3fc7a5742685": "What are the consequences of non-compliance with government-imposed requirements for a contractor's business systems?", "b1ab5cb9-b0f9-4e1c-a49b-4bc3a3aad9d2": "What potential consequences could arise from an unfavorable U.S. government audit of the company\u2019s financial practices?", "c21dc72a-8a68-4d98-8a6a-6b8921b64743": "How might an inadequate invoicing system impact the company\u2019s ability to receive payments from U.S. government payment offices?", "eb720494-8f77-453b-bfbb-621e6b80c09d": "What are the possible civil and criminal penalties the company could face if improper activities are uncovered during a government investigation?", "469cf5a5-ce8e-4f71-b91a-5923be836cec": "How could changes to the company's cost accounting practices affect its profitability?", "fc93d35a-928f-457f-8334-bbd3120582d5": "What role does the DCAA play in the invoicing process for the company when dealing with U.S. government contracts?", "e9aa811e-a113-4979-acbd-33781e1b6f29": "What are the implications of proposed regulatory changes on the Department of Defense\u2019s contracting officers regarding contractor business systems?", "637e60b7-2e63-4e44-8a69-2b7c646ddd60": "How could reputational harm affect the company\u2019s future sales and ability to secure new contracts?", "49ed4498-7746-40d1-aed2-99e1b3880351": "What actions might the company need to take if it is required to submit invoices to the DCAA for approval?", "a92342c8-60bd-433a-8ec4-40f3b53452ac": "In what ways could the company\u2019s relationships with clients be impacted by the results of a government audit or investigation?", "86e7df98-0438-4288-80e2-92c1c288d955": "What factors could lead to the termination of contracts or debarment from doing business with the U.S. government?", "ca59f810-0a86-4297-b82c-957f362c4c4c": "What potential changes might the U.S. government implement that could adversely affect procurement practices for contractors?", "c4c23d3a-d7a4-4e29-9e44-74685d802fb4": "How could the U.S. government's preference for minority-owned and small businesses impact larger contractors' bidding opportunities?", "22f888cd-899a-41da-bd68-cef8628c2567": "What are some of the risks associated with the increasing scrutiny of environmental, social, and governance (ESG) practices by various stakeholders?", "2814f66d-3666-49e0-aa99-ed588d17ce9b": "In what ways could new contracting methods introduced by the U.S. government affect a contractor's revenue and profit margins?", "8d5f3d8a-2048-4f21-99f9-b97f9b790add": "What are the implications of the Small Business Administration set-aside program on a contractor's ability to compete for government contracts?", "467acdf0-9178-4b98-83be-603cb5a3f605": "How might changes in procurement practices lead to delays in the decision-making process for government contracts?", "4dce4eec-e480-4d2b-8904-dd758b87435f": "What factors could negatively impact a contractor's reputation in relation to their ESG practices?", "7ac49910-1160-4e96-957a-1d0a073cb7d7": "What consequences could arise from failing to meet evolving ESG-related standards and expectations from stakeholders?", "6aeec7b6-6f07-4f7b-acee-ef605520a43c": "How could unfavorable ratings of a company's ESG efforts affect its ability to attract investment and skilled employees?", "da9a6955-10e6-4ee9-8add-54b25afe09cd": "What types of costs might a contractor incur as a result of complying with existing or future ESG legislation and regulations?", "577b5923-ada7-49b0-88be-1858d43a988e": "What physical risks related to climate change does the company face in its global operations?", "2415d52b-0b92-4574-a6b0-39f5ea58be40": "How could natural disasters impact the company's business continuity and financial performance?", "8c670a0b-6714-4054-8cab-806fda6714b7": "What are the potential costs associated with improving climate-related resiliency of the company's infrastructure?", "0ebb27e1-42cd-4f80-ae58-8ec7cfab2114": "As of March 31, 2024, what is the total indebtedness of the company?", "5c417fc2-a1c1-4e44-b4d5-b3b76a58a8ec": "What are the consequences of the company's substantial indebtedness for its common stockholders?", "fd32079f-60aa-4472-91e6-8538eccb9502": "How does the company's indebtedness limit its ability to obtain additional financing?", "9fa21e8b-3629-4235-96fc-e76dee915e3d": "What types of Senior Notes does the company have, and what are their respective due dates?", "f1928300-693f-44d6-9645-6ba0346f3c17": "What are the risks associated with variable interest rates on the company's borrowings?", "1aaf30c2-3525-4b84-be35-84c132f660a5": "How might compliance with climate change regulations affect the company's operational costs?", "0de4a890-2e91-4cc3-bca9-e1bf79220887": "What restrictions are in place regarding the incurrence of additional indebtedness under the Senior Credit Facility and Senior Notes?", "55393b10-4c99-4f43-bf22-144803796e6a": "What restrictions are imposed by the Senior Credit Facility and the indentures governing the Senior Notes regarding additional indebtedness?", "1666864b-87be-4015-a649-e18473dc3b73": "As of March 31, 2024, what was the availability of the Revolving Credit Facility?", "67e0a359-5bea-4c2b-a856-788104aaf2ad": "How much of the Revolving Credit Facility was used for open standby letters of credit and bank guarantees?", "cb3758b2-e351-483e-9735-1cec95120cbc": "What is the maximum amount by which the indebtedness under the Senior Credit Facility can be increased without the consent of existing lenders?", "dc4d5e9c-2610-4f51-8841-7ed98c2b6756": "What are the potential risks associated with adding new debt to the current debt levels?", "4e9d8537-9c3c-48a4-a68f-f9fb412f1c98": "What obligations are not considered as indebtedness under the restrictions mentioned in the document?", "c140ddde-f1ba-4e37-8f94-eacb46897dd6": "What is the total commitment amount of the Revolving Credit Facility?", "00f96661-2544-4034-ab86-e21c8dfd19b1": "What could happen if the company is unable to meet all its debt obligations, including the repayment of the Senior Notes?", "ed61be70-168f-412f-b509-177722a1c69d": "Are there any qualifications or exceptions to the restrictions on incurring additional indebtedness?", "87be6720-7fed-4525-a4fd-913b19f2c420": "What is the significance of the $500.0 million increase in indebtedness under the Senior Credit Facility?", "be71cdbc-4dc8-4e97-a73a-9cd211e77491": "What factors could impair the company's ability to satisfy its obligations under its indebtedness?", "87c08591-dc5f-464b-b902-66fb1d15ef82": "How might insufficient cash flows affect the company's investment and capital expenditure plans?", "54b18182-aff5-4372-8897-b41dd7d4fc8c": "What are the potential consequences if the company defaults on its scheduled debt payments?", "af715245-754b-44a6-94b9-c38d6502ff67": "What restrictions do the agreements governing the company's indebtedness impose on its operations?", "89061924-38ee-48ca-a7f3-6f92486556b9": "How does the Senior Credit Facility affect the company's ability to manage its excess cash flows?", "cc8196c4-9d0a-47cd-b0d9-e15413c26718": "What actions are restricted by the covenants in the Senior Credit Facility and the indentures governing the Senior Notes?", "4c7af23c-8a1f-49b6-ae6b-3b488042c888": "What could happen if the company breaches the covenants under its debt agreements?", "dcc917fb-c814-440d-b6b8-02181180d2da": "How does the company's financial condition and operating performance relate to its ability to refinance its debt obligations?", "dbc73d85-803b-4e85-b4a6-aa459fbfd043": "What are the implications of mandatory prepayments of Term Loans under the Senior Credit Facility?", "9527ecc4-ff92-49d3-aced-4e3a578c8de8": "In what ways could external economic and competitive conditions impact the company's debt service obligations?", "d6c9c605-bb45-4574-9330-6170dcd11e52": "What financial ratio is required to be maintained under the Senior Credit Facility?", "017094cb-5927-46c5-9a09-95afab894fdd": "How often is the consolidated net total leverage ratio tested according to the document?", "26ea176c-cbe6-46bf-9911-a18af1223fe6": "What could happen if there is a breach of the covenants under the agreements governing indebtedness?", "03f27278-2b90-4819-bb33-710862df36f9": "What are the potential consequences of an event of default under the Senior Credit Facility?", "c91857f7-ee86-4f9e-ac39-3af3046b2f48": "How might a default affect the lenders under the Revolving Credit Facility?", "26be4eb1-28c7-4a9e-b8e5-66e53ea51a58": "What limitations might arise from the restrictions imposed by the Senior Credit Facility?", "f7c88afc-dc87-4da7-8276-071586168b99": "In what ways could these financial restrictions impact the company's ability to raise additional financing?", "49f3180b-342e-47d3-bc49-0b9a6e9dcff9": "How might the restrictions hinder the company's growth strategy?", "70ca17f6-1592-43b0-9213-3714803699ba": "What events could affect the company's ability to satisfy the financial ratio test?", "21e61946-2c14-4bb0-b769-f69659f52f18": "What might happen if lenders accelerate the repayment of the company's borrowings?", "b445c185-8df8-40ad-9c60-747eb11cd2e7": "What financial risk does Booz Allen Holding face due to its variable rate indebtedness?", "cc9c4643-d7d8-4aa2-af7e-f23108e795c8": "How much would a quarter point change in interest rates affect Booz Allen Holding's projected annual interest expense under the Senior Credit Facility?", "a8e4158e-482d-43f6-b393-c6f1d9460e7e": "What measures has Booz Allen Holding taken to mitigate interest rate risk on its variable-rate debt?", "13b21f59-0644-46df-8ab3-2b9b9ce254b0": "How could a downgrade or withdrawal of a rating by a rating agency impact Booz Allen Holding's ability to obtain future debt financing?", "94727e61-9e01-41a7-b9b5-c941704bcd7e": "What is the primary source of cash for Booz Allen Holding to fund its operations and expenses?", "63e41490-9e95-46ff-b5e3-105f421c1485": "What restrictions do the Senior Credit Facility and indentures governing the Senior Notes impose on Booz Allen Holding's subsidiaries?", "877d4a0c-9d80-459c-b6db-a7b06a881df1": "What external factors could cause significant fluctuations in Booz Allen Holding's financial results?", "013c07c5-2e4c-4753-acbd-1e696bb4cf48": "How might changes in U.S. government funding affect Booz Allen Holding's market price of Class A Common Stock?", "00c88d18-f0ed-4b16-ae97-fb3cbf07b6da": "What potential impact could strategic decisions by Booz Allen Holding or its competitors have on its financial performance?", "db908cd0-eacc-46f0-9fb2-53a970abddc7": "What are some examples of contractual changes that could influence Booz Allen Holding's profit margins?", "3bd43962-88e6-4e1b-a25b-0b43ebeb64a3": "What are GSA schedules and how do they relate to government contracts?", "999634a9-45e7-42a2-a6da-5a822df943d1": "What are blanket purchase agreements and what purpose do they serve under GSA schedules?", "9a454ba5-aa79-44a8-a037-7864050e93f1": "How do variable purchasing patterns impact government contracts?", "2fa52af3-ecbd-4c8a-9b11-1d4ecccce720": "What factors contribute to changes in demand for services and solutions in government contracting?", "12443f63-695d-4679-9185-e923363d5341": "How does seasonality affect the operations of government contractors in relation to the U.S. government's fiscal year?", "68d3fbfe-d004-4907-bc29-455d0acd2633": "What challenges might arise from fluctuations in the utilization of professionals in government contracts?", "07ec2081-df6c-4d89-952a-cf99e7533c98": "How can changes in law affect the ability to utilize existing or future tax benefits in government contracts?", "5fbeb88f-1e8d-41bd-b33a-316781f6b1ae": "What are IDIQ contracts and how do they differ from other types of government contracts?", "e9eac57c-3fce-4ad3-ad91-36ffdd66dfe0": "What are some potential consequences of alterations to contract requirements in government contracting?", "9f405e78-1c79-4881-9ca9-9c93503eb108": "How might the purchasing patterns of the U.S. government influence the overall market for government contractors?", "ad59661a-5db1-45ca-bb91-9b4c60690dcd": "What are the potential consequences for investors if the expectations regarding future dividends are incorrect?", "57ccaef1-3c01-4cd2-afe7-20e9ab8531b9": "How does the Sarbanes-Oxley Act of 2002 impact the financial reporting obligations of public companies?", "5688c0b6-7a9b-4fe6-8505-d4887938a6b4": "What factors does the Board consider when declaring future dividends?", "89f441b8-3616-4516-973b-9cc115c3649a": "What are some of the additional expenses associated with being a public company as mentioned in the document?", "31a8fc46-0a65-444d-b1a0-890f1face80c": "What could happen if the company fails to maintain effective internal controls over financial reporting?", "3c6746bb-25c9-4c79-be53-38e14004584f": "How might the price of common stock be affected if a special or regular dividend is declared unexpectedly?", "ccf6af8d-de0c-4140-a23e-2765b6cfb732": "What role do third parties play in the company's financial reporting and internal controls?", "b8964e61-7ba3-4024-8586-eb0028bdb6de": "What are the implications of not being able to provide an unqualified report on internal control effectiveness?", "16a189b9-9578-4bca-80cd-4590afad154b": "How do provisions in the company's organizational documents affect potential takeover attempts?", "b081c7bb-7f1f-4864-a004-b92b782ee075": "What challenges might the company face in fulfilling its obligations under the Sarbanes-Oxley Act?", "5b8c45d8-1ab4-494d-b21a-e3dc350fed1b": "What potential deficiencies could affect the operation of Booz Allen Holding's financial management systems?", "2860a59b-feeb-45b7-a1a8-6d0e25b41313": "How might ineffective internal control over financial reporting impact investor confidence?", "cdefcb6e-9b72-4dbd-886e-6428e6f91e2e": "What are the consequences of failing to comply with the Sarbanes-Oxley Act of 2002 for Booz Allen Holding?", "ac39ab70-962d-46e9-871a-78fd1e14dac4": "What provisions in Booz Allen Holding's organizational documents could hinder takeover attempts?", "6a7e0a32-a799-4ecb-9d54-08509032686e": "How does Booz Allen Holding's Board of Directors influence the number of directors and vacancies on the Board?", "db3e8c8f-b165-42b5-80ca-bca3a6a3b1d3": "What authority does the Board have regarding the issuance of preferred stock without stockholder approval?", "15782fc7-fad1-42f5-8990-6efe7f3f916f": "What are the advance notice requirements for stockholder proposals and nominations at Booz Allen Holding?", "7f17a95c-8f86-4954-8043-6e858350c416": "How could a lack of an unqualified report from an independent registered public accounting firm affect Booz Allen Holding's stock value?", "2ed4d8ad-99b7-49f9-aa2a-bfd1e622f6a5": "In what ways could regulatory authorities, such as the SEC, become involved with Booz Allen Holding's financial reporting?", "5cdcf89e-1484-4118-b35a-f2c48f44f623": "What impact could a decrease in the reliability of consolidated financial statements have on Booz Allen Holding's common stock?", "43c4c247-a3b7-40f1-85fd-e52718ef9c22": "What provisions in the Delaware General Corporation Law may affect stockholders' ability to benefit from takeover bids?", "96e9ab6c-a5f6-49ce-8111-dafd9da86043": "How do the amended and restated certificate of incorporation and by-laws impact stockholders' ability to replace management?", "b813b6c4-599e-4844-8f61-788e254af6ed": "In what ways can the performance of other companies in the government services market influence the price of the Class A Common Stock?", "08e37697-3303-4f74-be2b-077c3b231f6c": "What is the designated forum for litigation initiated by stockholders according to the company's seventh amended and restated certificate of incorporation?", "f26a500a-2ca3-4b62-b4be-d87f6a1b867f": "What types of actions are covered under the exclusive forum provision in the company's certificate of incorporation?", "02849506-637c-4c2f-9190-62227e79457b": "How does the company approach cybersecurity risk management as part of its overall enterprise risk management program?", "6cd6e41c-54a2-4f26-b663-a60818bac799": "What role does the Board of Directors play in overseeing the company's risk management processes, particularly regarding cybersecurity?", "bd260bfd-5882-4e9b-8ed6-29b28ad34bbd": "What is the purpose of the Enterprise Risk Management (ERM) Program mentioned in the document?", "96e59c9e-7dcb-4d79-baed-e59585abe116": "What potential effect could the exclusive forum provision have on lawsuits against the company's directors and officers?", "eb71a817-2db2-4483-9617-22b73f18f300": "Are there any unresolved staff comments mentioned in the document, and if so, what are they?", "0395f58b-f05f-4530-b382-841d07d3d28f": "What is the primary focus of the company's cybersecurity risk management program?", "14935e10-678d-4229-af29-df53f8dec301": "Who oversees the Company\u2019s risk management processes related to cybersecurity risks?", "c04b430a-32f0-4a12-9e7e-a12817b0ab2f": "What is the role of the Chief Operating Officer in the Enterprise Risk Management Program?", "68e8b8f9-8b27-4642-88d1-9efc09978dbc": "Which committee is responsible for facilitating the Board\u2019s oversight of risk management?", "622f79fb-8940-45ab-bed7-a540d227af28": "What are the main components of the company's Enterprise Risk Management (ERM) Program?", "c93f68c7-9289-429a-a217-b6b7c444839e": "How does the company assess and manage internal and external cybersecurity risks?", "f1922e60-2ae0-4fe2-86ce-cd587e6b5f52": "Who are the members of the ERM Steering Committee?", "b0105378-52ef-46e2-b8d3-900187699c83": "What types of risks does the ERM Program aim to address?", "bbc2ae77-cd06-4dac-9e7f-0da72a6edcdf": "How does the company ensure that its Board is informed about cybersecurity risk management?", "30f385c2-53c4-400f-a35a-895231e7288a": "What is the significance of the company's position as one of the world\u2019s largest cybersecurity solution providers?", "cedbcb55-f8d7-4c03-92d6-87cc58a4358d": "Who is responsible for leading the cybersecurity risk management program at the company mentioned in the document?", "525a2ad2-daea-4fc9-a28c-cc000d2baf12": "What framework guides the cybersecurity risk management program as stated in the document?", "263cb8e4-0dc9-45c3-82a5-11782d7dc2b6": "How often does the Chief Operating Officer prepare updates on enterprise risks for the Board?", "47910c65-0574-4ed3-9c28-de87bdc625bc": "What role does the Cyber Fusion Center (CFC) play in the company's cybersecurity strategy?", "11f55def-498d-4d93-95d0-71e10d61b289": "What are the qualifications of the Chief Information Security Officer (CISO) mentioned in the document?", "b2315ce3-0eb9-4cd1-8dd6-f19fe932847a": "How does the company manage cybersecurity risks introduced by its supply chain?", "164ea2d8-1e45-4d12-851e-8320e5835a6d": "What is the purpose of the Cyber Incident Response Team (CIRT) as described in the document?", "c0527e4e-b5d6-4298-b74d-8e42f68095a4": "What types of assessments does the company conduct to test the effectiveness of its cybersecurity defenses?", "9d40d26b-387f-40e1-9e0e-eede3da24f4f": "How does the company ensure compliance with cybersecurity regulations and standards as a government contractor?", "ac341bc5-f972-43eb-bc9d-6d894a282f68": "What actions are taken when a cybersecurity incident is identified according to the document?", "5ac895a9-dcc6-41e4-bdc3-0bd0ea641fbf": "What is the primary responsibility of the Audit Committee regarding cybersecurity risks in the Company?", "e5a0bbe7-cdeb-48a1-9668-1fd412cf1e56": "How does the Company assess and manage cybersecurity risks according to the document?", "1933964d-4bb7-4c90-bfd5-385daa2e8d97": "What has been the Company's experience with cybersecurity incidents during the period covered by the Annual Report?", "39bcfeec-f726-46d1-ae8f-8aa33621829c": "Where is the corporate headquarters of the Company located, and what is the total square footage of its leased offices and facilities?", "a7145297-6fcd-4f1a-9815-b8a767cd3489": "What types of legal proceedings is the Company involved in, as mentioned in the document?", "3748d5b3-e07b-4c48-b514-5150e9447565": "What was the nature of the class action lawsuit filed against the Company on June 19, 2017?", "29a127f2-2850-46ea-8f90-42e948f26753": "Who were the defendants named in the class action lawsuit styled Langley v. Booz Allen Hamilton Holding Corp.?", "7ad3b48d-d17c-4ee3-9456-221bb5f4c106": "What are Sensitive Compartmented Information Facilities, and why are they significant to the Company?", "d7894179-6857-4cf1-9efa-9d7fbf262f32": "How does the Company address the potential financial impact of cybersecurity threats despite having cybersecurity insurance?", "e7417dd6-f4fe-4cb8-952d-da83dee1a587": "What information can be found in Note 20, \u201cCommitments and Contingencies,\u201d of the consolidated financial statements?", "5ec482d2-d03f-43c7-9762-3e679f1da02e": "What was the time frame during which the plaintiffs claimed to have purchased the Company's securities in the Langley case?", "3eef0104-12fb-45d3-99fb-a149d79efbc4": "Who were the defendants named in the case 17-cv-00696?", "de4adb54-5798-425c-b788-8d0fd3de7476": "What legal claims were asserted in the consolidated amended complaint filed by the lead plaintiffs?", "f39925aa-48db-4bdd-a0e1-1ccca1fd4226": "What government agency conducted an investigation related to the allegations in the Langley case?", "23b845fa-683b-4b81-b36e-8b500f19daee": "What was the outcome of the motions to dismiss argued on January 12, 2018?", "9f954191-facf-4ce2-9a88-27823c8ecd03": "On what date did the court deny the plaintiffs' motion to amend the dismissed amended complaint?", "0db2b0aa-3750-41d7-a0ca-c417867d56d8": "What action did the plaintiffs take on November 15, 2023, regarding the district court's decision?", "91842d93-588f-495b-83c0-c2216d8202f2": "What was the final decision made by the court on April 23, 2024, regarding the plaintiffs' appeal?", "8a98bf85-ed0d-41fe-9622-ab18d70e80a8": "What sections of the Exchange Act were cited in the plaintiffs' claims against the Company?", "e785196d-d541-4009-bdc7-65c8384e2d98": "How did the plaintiffs respond to the court's dismissal of their amended complaint?", "2118cf13-40b0-475a-9ad8-9d08c7837231": "What was the date when the Verified Shareholder Derivative Complaint was filed in the United States District Court for the District of Delaware?", "9fedc212-3dc8-4884-a3de-42b89e1d58ff": "Who are the defendants named in the complaint filed by Celine Thum against Rozanski et al.?", "8c0defa8-f737-4c64-af68-9c6f74fd2435": "What claims were asserted in the Verified Shareholder Derivative Complaint related to the Company?", "599217a1-671a-4ec7-b462-29405ba92f4a": "What was the outcome of the parties' joint stipulation filed on May 20, 2024, regarding the action?", "864fbfa5-b604-448a-ba0f-d992ad8fc77f": "Who is the current President and Chief Executive Officer of Booz Allen?", "c23229fe-68dc-479c-92ef-f69dabc379ae": "What roles did Horacio D. Rozanski hold at Booz Allen before becoming Chief Executive Officer in 2015?", "8bf27f65-e377-4dc2-8e2c-aa233b7f1c3f": "When did Matthew A. Calderone become the Chief Financial Officer of Booz Allen?", "fc03393a-2c3e-4530-8660-741f4dfb4574": "What educational qualifications does Matthew A. Calderone hold?", "b1a446a1-0a3a-4ecd-957c-9ff3d9342585": "In what year did Kristine Martin Anderson join Booz Allen, and what position did she hold before becoming Chief Operating Officer?", "aabee003-d0be-493c-a359-e1d6c5a7fb32": "What organizations is Horacio D. Rozanski affiliated with outside of Booz Allen?", "5e833be8-b089-400d-bf84-7c3aa0b2f8f7": "Who served as the Chief Strategy Officer at Booz Allen and what were their key responsibilities?", "7e187f3c-8807-4a96-8458-d32829e1b42b": "What educational qualifications does Mr. Calderone hold?", "f7a5d8f2-634d-49ff-901e-8a2893b5ab13": "In what year did Kristine Martin Anderson become the Chief Operating Officer of Booz Allen?", "3e80dcd9-ae67-46ac-9121-7fe1a31ce7a3": "What significant role did Ms. Anderson hold prior to her position as Chief Operating Officer?", "db27dfd6-0842-4f56-9649-ffb2a3e62fe6": "How long did Richard Crowe serve as the Chief Growth Officer at Booz Allen?", "109c70b4-6ce2-4a2d-8510-ac4a22202799": "What was the performance of the Civil Sector and health business under Ms. Anderson's leadership?", "1a147436-5db3-439f-8034-d1e040432001": "What experience did Richard Crowe have before joining Booz Allen?", "70d1526b-fbfd-460b-9bcb-dc6ac56376b2": "What major initiative did Mr. Calderone lead from 2016 to 2020?", "d597da73-8903-4746-af86-fff7bad722ee": "Which university did Kristine Martin Anderson attend for her undergraduate degree?", "8c9fd0d0-71cf-44bb-b768-8ab87f895959": "What was the primary focus of the corporate development team that Mr. Calderone built in 2014?", "ded3699f-6647-4980-964d-cd6f40229a58": "Who is the current Executive Vice President and President of Booz Allen's Global Defense sector?", "40a4814f-0e2e-470e-9f82-6f1078956861": "What roles did Judith Dotson hold at Booz Allen before becoming the Executive Vice President in August 2022?", "743a0ab0-f4fa-4780-a172-99808087972d": "What educational background does Thomas Pfeifer have, and from which university did he graduate?", "d24de6e7-4331-469d-abdf-eb0e295d7d33": "Which company did Nancy J. Laben work for as General Counsel before joining Booz Allen?", "77789637-b0f1-483b-b684-b2163797ec02": "In what year did Susan L. Penfield join Booz Allen, and what was her role prior to becoming Chief Technology Officer?", "1eefb28f-1191-41af-a448-dda996f2e1f0": "What professional organizations is Thomas Pfeifer a member of?", "661e5b3e-d819-4a0e-8a2a-75957b621c54": "What responsibilities does Nancy J. Laben oversee as Chief Legal Officer at Booz Allen?", "a2db5484-5e71-4ea1-8276-fb717959f461": "Which sector did Judith Dotson lead from 2020 to July 2022?", "3a19aea7-944b-4a52-b1ab-1cb98627a2f1": "What initiatives did Susan L. Penfield drive while leading Booz Allen's Health business?", "99f6f416-c3ce-4bd7-8026-426ab6075e4e": "What recognition did Susan L. Penfield receive from the National Association for Female Executives (NAFE)?", "0fec4381-3c11-4440-b297-6286f4f9138e": "When did the Class A Common Stock of the Company begin trading on the New York Stock Exchange?", "60aafb95-83f0-4458-b8f7-eb960ac6fdfa": "How many beneficial holders of the Company's Class A Common Stock were there as of May 14, 2024?", "4ef167fe-6366-48ee-ab32-4145eb9340a4": "What is the ticker symbol for the Company's Class A Common Stock on the New York Stock Exchange?", "98ea28c0-1472-4d70-94c0-0addd4b93ab3": "What was the declared quarterly cash dividend per share announced by the Company on May 24, 2024?", "f1135dc0-e864-4569-a0e8-625bd622de4c": "What is the payment date for the dividend declared on May 24, 2024?", "cc38a13e-592b-4f47-9493-1f8a3afa954c": "How many shares were repurchased by the Company in January 2024, and what was the average price paid per share?", "1a34cfa0-af8f-41bb-8544-329b9e70de03": "What was the approximate dollar value of shares that could still be purchased under the repurchase program as of March 31, 2024?", "0abdfc46-e34f-49a3-9e40-2dcd957cb49b": "When was the share repurchase program initially approved by the Board, and how much was it recently increased by on May 22, 2024?", "ddd4d6d2-d9c9-4086-bf88-4ec52e2b9a14": "What factors does the Board consider when determining future dividends?", "b3d4bb99-ee75-48fa-bb39-8b06db1310c9": "Can the share repurchase program be modified or discontinued, and if so, under what conditions?", "feb85ba9-c737-4cd7-9ac5-9100c66fdca8": "What time period does the performance graph cover for Booz Allen Hamilton's Class A Common Stock?", "fac0563e-fee5-4d4c-ac24-dcf84a27a088": "How much was the initial investment assumed in the performance comparison graph?", "a5af30af-982f-4008-ad09-1de3b1e36259": "What indices are used as comparator groups for Booz Allen Hamilton's cumulative return performance?", "c17afcde-6bc2-4af2-bf68-36c585d2f0eb": "What was the cumulative return of Booz Allen Hamilton's Class A Common Stock on March 31, 2024?", "f8dd200b-93c6-423d-8faa-9993db408606": "How does the cumulative return of Booz Allen Hamilton compare to the Russell 1000 Index on March 31, 2023?", "9c5d4d00-4fda-4304-9fa8-7488a8fac0a3": "What does the performance graph assume regarding dividends for the investments?", "19ab6b46-0922-4fd9-bd5f-5f572ba9a3bb": "What was the cumulative return of the S&P Software & Services Select Industry Index on March 31, 2021?", "2db67090-1045-4093-bc59-7c9d14194268": "What is stated about the stock price performance included in the graph in relation to future performance?", "b66e6bbc-f2e7-437b-a5bf-ae83ca265cba": "What was the cumulative return of Booz Allen Hamilton's Class A Common Stock on March 31, 2022?", "358dcad1-3b01-42df-9e3b-06f02d4cbb3e": "What regulatory implications are mentioned regarding the performance graph and other information in the document?", "7d1ab8fc-dbef-4b78-bfd3-c507fc451199": "What is the primary focus of Booz Allen's business as described in the document?", "8008e161-24ca-42c8-bbe3-18abe81d2aa0": "How many employees does Booz Allen have, according to the provided information?", "2c874952-6363-482d-8d96-dfd39941b4ca": "What was the percentage increase in revenue for Booz Allen from fiscal 2023 to fiscal 2024?", "1fde8523-ebe9-4ae3-bd13-e7464721a4d0": "What factors contributed to the increase in Booz Allen's operating income in fiscal 2024?", "8a59316f-5295-41ac-8969-9f79023bd4b5": "How long has Booz Allen maintained relationships with its longest-standing clients?", "c9914787-d952-4393-a052-f2299661128c": "What was the operating margin for Booz Allen in fiscal 2024 compared to fiscal 2023?", "35909ed8-e31a-453c-9a6f-2f7361c91f0c": "Which sectors does Booz Allen serve in addition to federal government clients?", "ee84258d-5428-4d58-9487-cf9e0feb6fb0": "What significant reserve impacted Booz Allen's margins in the prior fiscal year?", "2cffde84-8382-427a-aa98-89d90533230d": "What are some of the critical missions that Booz Allen supports for its federal government clients?", "c1adcbc1-bfe9-4d3a-83db-c20af6c47e87": "What role does innovation play in Booz Allen's approach to delivering value to its clients?", "c93c38ab-9a01-4dea-9a6d-42d3a69acdc0": "What are the non-GAAP financial measurements publicly disclosed by the company in the document?", "e2b64e7c-bc7c-470b-ab07-0dca6d4d3bda": "Why does management use non-GAAP measures like Adjusted EBITDA and Adjusted Operating Income?", "fb46420f-daa6-493a-808d-22f3bae597f2": "How does the company define \"Revenue, Excluding Billable Expenses\"?", "d5e53c8b-a9a1-4b28-8346-609de0ef67aa": "What is the purpose of presenting Free Cash Flow as a supplemental measure?", "4d853975-11c5-4be8-8099-089c9d0dd7c4": "What items are excluded from the calculation of Adjusted Operating Income?", "8ff0a4bb-6682-416d-8843-af888cacf94c": "How do non-GAAP measures assist investors in evaluating the company's performance?", "eb4d31f8-bfa1-4ee8-a940-e86750b990fb": "What caution does the document provide regarding the use of non-GAAP measures compared to GAAP measures?", "ab26a245-5171-431b-8a5e-50a7c3c90248": "What does the term \"Adjusted Diluted EPS\" refer to in the context of the document?", "c0848399-0ad8-420f-a8ce-1d237b72c202": "Why might the non-GAAP measures vary from those of other companies in the industry?", "ffc608fa-3987-445c-8ead-7c6c79ea7ae6": "What is the significance of excluding costs that are not indicative of productivity when calculating Revenue, Excluding Billable Expenses?", "05289ee9-9d24-4616-b2b7-c2882a79403b": "What does \"Adjusted Operating Income\" represent in the context of the company's financial reporting?", "57b76e93-ad8f-427e-8d27-c1e4ddaf067c": "Which specific costs are excluded from the calculation of \"Adjusted Operating Income\"?", "cd1a2580-22b1-42e2-9a50-ff4ef676bf33": "How does the company define \"Adjusted EBITDA\"?", "8327d647-d403-4de3-a57d-7f6b5d3fd7eb": "What is the purpose of calculating \"Adjusted EBITDA Margin on Revenue\"?", "891aa6cd-8641-4338-9593-b669a5a08007": "What types of items does the company consider when determining whether to exclude costs from \"Adjusted EBITDA\"?", "f2e4619a-fe2f-404f-a94b-2d268ca00178": "How is \"Adjusted EBITDA Margin on Revenue, Excluding Billable Expenses\" calculated?", "a1d38dea-a715-4f40-8d01-6f9366663f15": "Why does the company prepare Adjusted Operating Income and Adjusted EBITDA?", "00800e0c-2bb8-4731-b8e9-4350d75aae0b": "What is the significance of the reserve associated with the U.S. Department of Justice investigation in the financial metrics?", "dffbe250-4c4e-4841-a122-23ebb5bcd08f": "Can you list the types of costs that are considered non-recurring in the context of Adjusted Operating Income and Adjusted EBITDA?", "09e5350b-ffbc-4777-9f0e-c39e03674c04": "What is the relationship between Adjusted EBITDA and revenue as described in the document?", "7c22cff8-be8a-4093-81eb-ae933467a5bd": "What does \"Adjusted Net Income\" represent in the context of the company's financial reporting?", "90d44793-9226-445b-9f6e-83c13ec5b0fe": "Which specific costs are excluded from the calculation of Adjusted Net Income?", "1dd169f5-5693-49c9-85c8-30b982705432": "How does the company define \"Adjusted Diluted EPS\" and what is its basis for calculation?", "2945c5af-9daf-4b3e-8500-960879fe3bce": "What is the purpose of calculating \"Free Cash Flow\" as described in the document?", "91004f0c-c6b8-4c0d-97a7-0333a1e75156": "Why does the company prepare Adjusted Net Income, and what does it aim to eliminate from its financial performance indicators?", "0c90d268-0034-4a28-aa0c-75e31484ad9f": "What is the significance of excluding the re-measurement of deferred tax assets and liabilities from net income?", "fcd73bb5-fbb3-4997-a564-325dce0c8a9e": "How is \"Adjusted EBITDA Margin on Revenue\" calculated according to the document?", "3ddc5bcd-a0f9-48a8-a886-2085a1cdba47": "What is the relationship between Adjusted Net Income and the management's performance incentives?", "c0db494c-0378-4aa7-962a-c438f836db6f": "What financial measure does the document suggest is most directly comparable to the listed adjusted metrics?", "5497edfd-4db5-4723-9300-ddeef49ef697": "In what way does the document indicate that Adjusted Diluted EPS differs from traditional diluted EPS calculations?", "16c97915-aa01-41f9-94da-c19472762125": "What was the revenue excluding billable expenses for the fiscal year ended March 31, 2024?", "c6307ed5-50c6-41d8-88d0-b82af0d7f740": "How did the adjusted operating income for the fiscal year 2023 compare to that of 2022?", "aac01c75-0dc6-47f4-8f2e-b335625f6773": "What were the total billable expenses for the fiscal year ended March 31, 2024?", "e0818c7e-10bd-44aa-a60b-40f48514bce9": "What is the adjusted EBITDA margin on revenue for the fiscal year ended March 31, 2024?", "f55e31a7-a437-4b39-bc44-183d96e9c801": "How much did the legal matter reserve impact the adjusted operating income in the fiscal year 2024?", "ffb7963e-78c6-4e0e-a007-ef4dd3baa182": "What was the net income attributable to common stockholders for the fiscal year ended March 31, 2023?", "c4771a4c-3b3f-4f09-8f3e-0189d32228ac": "What were the acquisition and divestiture costs for the fiscal year 2022?", "053c96ee-df03-4ae2-93d0-d5bf85e3236b": "How did the income tax expense change from fiscal year 2022 to fiscal year 2023?", "a8a91e14-e52c-49e3-b9a7-8e789488d80b": "What is the significance of the change in provision for claimed indirect costs in the fiscal year 2024?", "9446f0cf-dcee-4059-9834-79150abb9246": "What was the adjusted EBITDA for the fiscal year ended March 31, 2023?", "8641f148-91e3-4973-890a-9ce437cd4cb2": "What was the adjusted net income for the fiscal year ended March 31, 2024, according to the document?", "79237841-5b83-4100-bd4c-5fda6517ac5a": "How did the acquisition and divestiture costs change from fiscal year 2023 to fiscal year 2024?", "74e7fdc8-b8e1-4943-b754-7bb16e8be154": "What is the adjusted diluted earnings per share for the fiscal year ended March 31, 2024?", "1a1397b0-15e0-4759-bd94-9ef198ae4e81": "What percentage of operating cash flow conversion was reported for the fiscal year ended March 31, 2024?", "9453e642-945c-4198-9b3b-15c26c82eb54": "What specific costs are included in the acquisition and divestiture costs mentioned in the document?", "ff49cda1-0a69-4489-8353-b225c6574ea9": "How much did the legal matter reserve amount to for the fiscal year ended March 31, 2023?", "1d96ab9b-0eaf-4cf5-8a45-c6e9ab0ff1ad": "What adjustments were made for tax effects in the adjusted net income calculation for the fiscal year ended March 31, 2024?", "0510f38b-e374-4aed-8452-6dc6629c1a87": "What was the free cash flow for the fiscal year ended March 31, 2023?", "4fe25d2e-3e0c-4d72-bec5-5287b1719f26": "What significant acquisition amortization amount is reported for the fiscal year ended March 31, 2024?", "0910ce19-2a79-46e7-925a-d1a5c03bd694": "What impact did the District of Columbia Court of Appeals ruling have on revenue, as noted in the document?", "28370f6a-8a44-4849-b242-0b8da25cb6f0": "What was the amount of restructuring charges incurred during the fourth quarter of fiscal 2022, and what were they primarily associated with?", "0cc92b44-9091-4e7a-aa59-0ed84c77eea3": "How does the Company reflect the tax effect of adjustments in its financial statements, and what is the assumed effective tax rate used?", "2ccc1d66-57a6-4d59-be7b-59a0aa3705a5": "What are the implications of the unfavorable ruling from the District of Columbia Court of Appeals on the Company's revenue from recoverable expenses?", "571419da-be04-4307-bdb1-d09486b8b6f3": "What factors contribute to the uncertainty regarding U.S. government funding and budgetary constraints as mentioned in the document?", "6429ab97-9c89-4c0e-a21d-df7fcb240217": "What specific adjustments are excluded from the net earnings for fiscal years 2024, 2023, and 2022 related to the two-class method for computing diluted earnings per share?", "96647f0b-b9bd-4cee-801c-fa73abfce6e1": "What gains did the Company recognize in fiscal 2022 associated with its investments in Tracepoint and SnapAttack?", "b355141a-332f-4e42-a713-160a9f1323f6": "What are the potential impacts of the U.S. national debt and budget deficits on federal spending across agencies, as discussed in the document?", "c1fa089f-1c4a-4b01-b2c3-206322fb774c": "How much revenue was recognized on recoverable expenses related to the restructuring plan in fiscal 2022?", "e32c18de-15e5-44c5-ac40-bd3c3c30e9df": "What are the key trends in the U.S. government services industry that may affect the Company's future results of operations?", "fad8da08-abc7-43fd-9071-49f5e79a0ec2": "What was the total impact of the Company's unfavorable ruling related to contested tax assessments for the three and twelve months ended March 31, 2024?", "6116b302-eaed-4248-a35f-34e5d97d9d05": "What factors could lead clients to reduce or delay funding for orders for services from the U.S. government?", "6c23f39b-4708-4d88-b606-460e79c94fa1": "How might delays in the U.S. government's budget processes affect procurement of products and services?", "8a329f16-c8c7-4967-841d-e7b6c8b09f99": "What changes in U.S. government spending priorities are anticipated as certain overseas operations conclude?", "8c042f1b-f030-4132-a612-97085eb9e5d1": "In what ways could a pandemic, such as COVID-19, impact federal budgets and the demand for services?", "eaf3577f-7b10-4a0d-9a85-91c50da407df": "How might increased inflationary pressure affect customer buying power and the cost of doing business?", "721b43f6-4a60-43ff-9bde-5dca9b93d1be": "What potential risks are associated with a possible recession and instability in the global financial system?", "c2232e39-5d1f-4612-b044-e17c29c7a281": "How could legislative changes regarding executive compensation under federal contracts impact government contractors?", "16965f91-7d2f-426d-9a74-b49a4c92142a": "What are the implications of the U.S. government's focus on refining the definition of \"inherently governmental\" work?", "441a65d3-872c-4950-8d8b-eac8bdf5b5fb": "How might negative publicity surrounding government contractors influence contract awards and competition?", "93f9f448-4323-4057-b36b-5e205bfdfefd": "What trends in government contracting could result from cost-cutting and efficiency efforts by U.S. civilian agencies?", "67d3f65f-a6db-4eec-8e85-486232dae19c": "What are the primary sources of revenue for the organization described in the document?", "0eafa1e6-7bb5-4fc1-96d3-7fad04d97a03": "How do mandatory sequestrations under the Budget Control Act (BCA) impact the organization's contracts with the Department of Defense?", "b3cabbe9-13e6-4071-8630-a9098b56caee": "What are the three basic types of contracts under which the organization generates revenue?", "7c85fb2b-bd28-4e07-a64d-e3b98a7972fe": "What is the difference between cost-plus-fixed-fee and cost-plus-award-fee contracts?", "3d5df1c6-f80e-44b2-ba26-70710fb3e7e4": "How does the organization manage the financial risk associated with time-and-materials contracts?", "4261cf18-4c16-4b55-b1ad-55d337c4a7fe": "What is the significance of small business regulations in the context of the Department of Defense and civilian agency clients?", "d4705cb2-92bc-4164-a0a2-04c581632c19": "How might a reduction in services contracted by the U.S. government affect the organization's business operations?", "243b2839-523c-4e2f-a208-5378c47be522": "What are the implications of the Bipartisan Budget Acts on defense spending and the organization's contracts?", "072ac697-9ba1-4781-9765-c8e8f1e74421": "In what way does the organization believe its diversified contract and client base mitigates business volatility?", "b78dc051-1e29-43f0-818e-f29b6ca00ee5": "What are the key performance criteria that may influence the award fee in cost-plus-award-fee contracts?", "cc4012f2-6177-4ed4-85f7-7442b5cb7f23": "What are the key characteristics of time-and-materials contracts as described in the document?", "101bb231-e57c-45a3-bf23-ea6e363f841d": "How does the financial risk differ between time-and-materials contracts and fixed-price contracts?", "be38244d-50fd-446b-b899-a6ba35529487": "What factors can affect the profit margins in time-and-materials contracts?", "592e4637-724c-42a4-9cde-c3069b926bde": "In fixed-price contracts, what happens if the actual costs exceed the estimated costs upon which the price was negotiated?", "f911c8bc-4cb7-4491-a2e1-5491b53e9053": "What is the significance of performance-based components in fixed-price contracts?", "3349e26c-c92b-4509-8f54-385377f0eb7b": "How are billable material costs handled under time-and-materials contracts?", "3cece595-9819-4fc0-94a2-92055b017a51": "What is meant by \"allocated indirect costs\" in the context of the contracts discussed?", "faf2b8ff-a37e-4d6e-92a4-8d1128ac862f": "How do fixed-price level of effort contracts differ from standard fixed-price contracts?", "dc5651cc-17dd-4e04-8e75-6c93bd84101d": "What potential outcomes can arise from a decrease in actual direct labor costs in a fixed-price contract?", "06b270f0-572b-4d69-958e-635529caa2ae": "What type of reimbursement is provided for out-of-pocket expenses in time-and-materials contracts?", "4fecb15c-51e3-4110-bc66-ac17ff159065": "What are the three types of contracts mentioned in the document, and how do they differ in terms of financial risk and profit margins?", "971e0488-277f-4c0c-ab09-ab8cc59786fa": "What percentage of total revenue was generated from cost-reimbursable contracts in fiscal year 2024?", "812d7641-cc97-475b-921f-4abe588654c1": "How does the revenue mix from prime contracts and subcontractor contracts affect the company's operating margin?", "5c4fa141-9bad-4459-a6bb-1517c6787b36": "What is the significance of IDIQ contract vehicles in the company's revenue generation strategy?", "58e27b24-0f47-4a16-ae31-7cf8944e756e": "How does the company manage the risk associated with time-and-materials contracts compared to fixed-price contracts?", "89e0df52-a250-4672-80d0-4b70fb6343ce": "What role does direct client staff labor play in the company's overall revenue and earnings growth?", "542444ec-43f7-4d43-873a-d21a1f9c052b": "What percentage of revenue was generated from contracts where the company served as a prime contractor in fiscal year 2023?", "abf6429a-88bc-4b94-b4f8-12204defadcc": "How does the company ensure that its talent base is aligned with client needs and competitive in the market?", "944571b8-4c60-47f2-8a3c-f133f79ddeb3": "What impact do changes in contract type due to re-competes and new business have on the company's profitability?", "fdefd122-9f45-4982-93a3-d9225a0475f9": "What was the percentage of revenue generated from fixed-price contracts in fiscal year 2022?", "8be3e49a-f771-4c50-a372-82ddb859081c": "What is the primary driver of earnings growth for the company described in the document?", "6eeb9495-33a0-41f5-82b4-69a3991b2550": "How does the company define its backlog, and what are the three components included in it?", "f67aabd9-3090-4d5f-9a10-ec166c7c45ff": "As of March 31, 2024, how many people were employed by the company, and how many of those were client staff?", "d6483426-268d-4ba4-8290-dd741db8604d": "What role does client staff headcount growth play in the company's revenue generation?", "7446c206-be33-44ab-bc10-4e3c4220f2ce": "What strategies does the company employ to ensure its talent base meets client needs?", "8e6dcaf5-954c-4a9f-b044-db0c0cb9b3db": "How does the company assess its talent base in terms of size and compensation?", "066e2928-a9e2-45e3-a390-7b974a283ce9": "What is the difference between funded backlog and unfunded backlog as defined in the document?", "c783eb30-b646-4369-85e4-f4f149e29cb9": "How has the number of employees changed from 2022 to 2024 according to the document?", "0a97ddf8-d00c-4912-bbb2-cac239f383be": "Why is the ability to hire and retain talent critical to the company's revenue growth?", "32f20a18-9a24-4dce-ab43-5f607902decd": "What portion of the company's operating margin is derived from subcontractor services?", "8b136644-a251-4c8e-8857-1c771a642658": "What does the term \"priced options\" refer to in the context of the company's contract backlog?", "3885adf9-56cc-42c3-a610-adf9b8571c1f": "As of March 31, 2024, what is the total value of the company's backlog?", "12b12311-0a01-45f2-91e7-4b3d38061556": "How much of the remaining performance obligations is expected to be recognized as revenue over the next 12 months?", "2987a72f-bb6a-4c73-90b7-871629409318": "What factors contribute to the uncertainty in converting backlog into revenue?", "2fad5f99-71b4-4f72-b53a-c1c648e201b5": "What was the original backlog value for EverWatch Corp. at the time of acquisition?", "737ea13f-12ac-4c58-b5f3-4186c203c66c": "How did the total backlog change from March 31, 2023, to March 31, 2024, in percentage terms?", "9a6ca1d4-8ad3-49c8-ae72-c22b8cb33cf6": "What are the primary risks that could affect the company's ability to recognize revenue from its backlog?", "09650703-4c9d-431d-8b23-f4cb1daafb04": "What percentage of the remaining performance obligations is expected to be recognized as revenue over the next 24 months?", "1e69a12e-9210-4f9d-b775-a638085e6b6b": "How does the U.S. Congress's funding process impact the company's contracts and backlog?", "9e34af94-527b-43d5-9922-6833a52c2b76": "What were the additions to funded backlog during fiscal years 2024 and 2023?", "ba4a50d9-3efc-4b8a-944c-3b8b1a5c0efd": "What are the primary risks that could affect the recognition of revenue from the backlog mentioned in the document?", "0dfcc899-6113-48d9-9ae7-4c05b1dbfb7d": "How does the U.S. government's budgeting process impact the funding of contracts according to the document?", "d4bc2b18-cbf1-4363-819e-a9dd8799e6b3": "What factors can lead to changes in the amount of funded backlog as outlined in the document?", "3304709d-fbe9-4cb6-a3df-2c3b13872b0a": "What are the potential consequences of cost-cutting initiatives on the company's ability to recognize revenue?", "1019a97f-1365-4cdd-a9da-d30bed6ac449": "How might congressional appropriations influence the company's backlog and revenue recognition?", "3fb02c9f-2d9b-4694-bbaa-352b01681564": "What rights does the U.S. government have regarding the cancellation of multi-year contracts as stated in the document?", "9b88137e-71d3-4d69-bf87-3a747eb34f14": "What is the significance of unfunded backlog in relation to the availability of funding?", "05e563c1-2a6b-466e-a36f-b0371e5a6235": "How do program schedule changes affect the company's ability to recognize revenue from its backlog?", "53a32533-6fba-4139-82bb-632aa2785a14": "What are the implications of contract modifications on revenue recognition as discussed in the document?", "efedceb6-600c-4e67-b406-e1e101e8c899": "What risks are associated with priced options that could impact the company's revenue realization?", "9372f29e-104c-464c-b25d-fce87967dd31": "What percentage of total backlog as of March 31, 2024, has not been recognized as revenue due to period of performance expirations?", "0ea64564-09bf-4cce-9199-c0f447aa500a": "What are the principal factors affecting the operating costs and expenses of the company?", "fcdf1346-a8b8-4609-b22b-c58fd88a76d7": "How do billable expenses contribute to the overall cost structure of the company?", "3d818c46-02c0-42d6-972a-153ddd35baf0": "What is the significance of the U.S. government's fiscal year end on the company's contract actions and revenue recognition?", "9ac13f33-94ab-4f47-933a-7f481a9235ee": "What types of costs are included in the cost of revenue for the company?", "148c2501-f54c-4e77-8173-a0a0ba6bcb6d": "How does seasonality impact the company's bid and proposal costs?", "84f8872b-fd64-49e2-a258-b09108fc5bfb": "What are the potential consequences of government audits on the company's claimed indirect costs?", "9323f26f-049a-40f1-a96c-100deb7a6b4d": "What types of expenses are categorized under general and administrative expenses?", "6e5867f8-e864-4fa8-876e-239b1dae6c08": "How does the company expect to manage its backlog in relation to uncertainties and risks?", "91ec3748-311f-4c7d-9ae9-8d2a4183e340": "What role do subcontractor expenses play in the company's overall operating costs?", "2e98c1f5-67c2-4c59-9d9a-24348e6d4ecb": "What is the primary focus of the government audits mentioned in the document?", "b797efa1-210b-43d1-906c-3ede1dd9e538": "Which agency is specifically noted for auditing the Company's claimed indirect costs?", "eed686fc-06c1-4b6a-979b-dda5336c3372": "How have historical audits impacted the Company's ability to retain claimed indirect costs?", "7ffe6cdb-2d87-4be4-a15a-b9b7b407d539": "What years remain subject to audit and/or final resolution due to the DOJ investigation?", "22fdf9ee-78fe-4dac-a1f5-41b5f903847b": "What type of reserve has the Company recognized in relation to historical claimed indirect costs?", "180e5c1c-fbc9-46c3-a92f-d3bc08da0768": "What could be the potential consequences of changes in estimates of adjustments to claimed indirect costs?", "bf5ddc2d-9e5e-4632-a992-5523c0eebff5": "How do the audits for years subsequent to fiscal 2011 relate to the Company's financial reporting?", "2c7af79a-ce83-4373-9cff-879ea039e5d9": "What factors influence the Company's estimates for adjustments to claimed indirect costs?", "9a2710f0-ae6a-4abe-9b90-1ec8b2d8a5bc": "What impact could the completion of audits for periods after fiscal 2011 have on the Company\u2019s financial statements?", "c08fddbf-2661-45fa-b1bb-a7fa1d274681": "In what section of the Annual Report on Form 10-K can one find information about the Company's risk factors related to government audits?", "965154aa-18de-4123-9b06-d12cf0adba1c": "What accounting framework is used for preparing the consolidated financial statements mentioned in the document?", "f9e07ec7-725b-44df-8672-cf97887bf134": "What are the key factors that determine the existence of a contract with a customer under Topic 606?", "73121814-63f6-4f19-a02a-fe6cfb3d2469": "How does the company classify its revenue sources, and which clients do they primarily serve?", "2f96b62d-4ff2-4c15-a12e-9f40e103e559": "What types of contracts does the company engage in with its customers?", "ec60a833-1d8e-4874-b43b-0dcaf3ffb87a": "How does the company handle contract modifications in terms of revenue recognition?", "9d7158a4-eab3-4cba-a2bf-4095f21baeec": "What is the significance of performance obligations in the context of revenue recognition under Topic 606?", "792fee7c-5115-4ec3-8d12-fa3c5afcdf44": "What judgment is required when evaluating whether service deliverables represent distinct goods or services?", "e7ebc9f4-85a8-4e38-a401-38784d2aa296": "How does the company assess the collectability of consideration when determining contract existence?", "a7d7c354-8111-4dd3-a435-a4eb06b7fe39": "What impact do contract modifications have on the transaction price or estimated costs at completion?", "da3e53b4-f1de-462b-98d3-aa51a8aefa35": "Why are certain accounting policies considered critical to understanding the company's financial condition and results of operations?", "0ba96788-f22a-45c8-91d0-a692b5a10c5b": "What regulations govern contracts with the U.S. government as mentioned in the document?", "605018bd-84ff-4e35-9cbf-3a531bea8edd": "How is pricing determined for contracts with non-U.S. government agencies and commercial customers?", "327e864b-11c1-4fea-983c-dc3fbe2e73c7": "What factors influence the estimation of variable consideration in customer contracts?", "a5521c45-1425-42d3-838d-456ea09340b6": "Under what circumstances can U.S. government contracts be terminated according to the document?", "f459f559-54ca-4281-9f93-0c394812e81c": "How is revenue recognized for performance obligations that are satisfied over time?", "1cd36865-da07-41bd-a143-93d2fcd2d428": "What method is generally used to measure progress towards satisfaction of performance obligations in contracts?", "ae63641c-06a1-4e87-8286-aef1b5411f54": "How are forward-pricing rates established for interim financial reporting periods with the U.S. government?", "b9ca0531-c651-4aa3-a646-a98bde3931d7": "What is the right-to-invoice practical expedient, and when is it used in revenue recognition?", "604c706b-da2a-4a05-a976-f9dab2aafc94": "How does the document describe the treatment of indirect costs in relation to contract revenue?", "ed81c345-b881-49ed-a37e-15f8ce78727e": "What happens if a contract does not meet the criteria for revenue recognition over time?", "ae2afc92-ee77-47fe-8e14-d9cfe8b3bdf9": "What types of contracts primarily utilize the right-to-invoice practical expedient for revenue recognition?", "9e1182b8-d0be-4d2d-adb2-49f8447aa5f1": "How is revenue recognized for stand-ready performance obligations under fixed-price contracts?", "f8ca50f0-f0af-431f-b967-020446543151": "What factors does management consider when estimating the total cost at completion of performance obligations?", "c13c4ef8-9dcd-453c-bc7d-caedd7e7546d": "What is the process used by management to review and monitor progress towards the completion of performance obligations?", "e6e92071-2ce9-4e70-8f24-8db5348a79d9": "How are changes in estimates related to contracts accounted for under the Estimate-at-Completion (EAC) process?", "47cfd342-acb4-407f-b1cc-5700b1e104f6": "What happens if a contract's profitability estimate indicates an anticipated loss?", "0416d6e0-15d5-42e5-a434-e75a6d0e4a66": "For which fiscal years was the aggregate impact of adjustments in contract estimates reported as not material?", "34da35f6-2183-4e8f-ae39-ae92a9db9a21": "What judgments must management make that could affect the timing of revenue recognition?", "587c0a61-ca02-4dd0-b10a-a67e12440c1e": "Under what circumstances is revenue recognized at the point in time when control of the good or service is transferred to the customer?", "e4083824-aa5f-4e11-bd0d-9e389b32f7ed": "What are the key inputs and assumptions considered in the Estimate-at-Completion process?", "15988372-f52c-46d6-94d8-9442dde8ca65": "What do remaining performance obligations represent in the context of the company's financial reporting?", "5232200f-9e7f-4b81-b0bc-be833569867c": "How does the company account for business combinations, particularly regarding the allocation of purchase price?", "c5b1fd1b-b7cf-476e-88a8-4d1da8c22ec6": "What method does the company use to test goodwill and trade name for impairment, and what factors influence this testing?", "c605bdb5-1046-4ea4-b4cc-72e6bf7927fc": "Under what circumstances are amortizable intangible assets tested for impairment?", "3a764b23-79e5-4a09-befe-ec6f5a3aa57d": "What significant judgments are required in determining income tax provisions according to the document?", "a81cef83-9ec1-4a3f-8f97-7ab6de1f9256": "How does the company establish reserves for uncertain tax positions, and what criteria must be met for recording tax benefits?", "58012d78-bdd8-4f99-bb46-1cd9ce464217": "What impact could a decline in forecasted cash flows have on the recoverability of intangible assets?", "60881ba7-3d2c-41c0-8505-257f0730eff8": "What is the significance of a valuation allowance in relation to the company's net deferred tax assets?", "876f6567-8221-4ff0-913a-3258db419e77": "How does the company determine whether it can realize the value of its deferred tax assets?", "7c717a82-fa49-4b3b-ab06-1d3ec9ddf0cf": "Where can one find information about the company's adoption of new accounting standards and anticipated future standards?", "e7147999-3d7a-47df-b881-85c1e1c30dd3": "What is the primary operating segment reported by the Company in the document?", "1b3bd152-d09e-401b-bf89-c582e9d17a13": "How does the Company account for investments in entities it does not control?", "c7bd8486-e4f4-4802-ba51-ee769b928996": "What was the total revenue for the fiscal year ended March 31, 2024?", "11018650-aa24-449e-a750-cdd99643f6dc": "By what percentage did the Company's operating income increase from fiscal 2023 to fiscal 2024?", "a572d747-e5e0-4548-a83d-ffea6b2592c2": "What were the total operating costs and expenses for fiscal 2024?", "b50701a9-e382-419d-81e4-870e253e0e48": "How did the net income for fiscal 2024 compare to fiscal 2023 in terms of percentage increase?", "9fabff83-5550-43ac-8c86-08e431600cba": "What factors contributed to the increase in revenue for the Company in fiscal 2024?", "de765d28-55c9-4838-8d14-b6d3b73c440c": "What was the percentage change in general and administrative expenses from fiscal 2023 to fiscal 2024?", "be0b26f6-cfd2-4202-9c32-3f55dda037ae": "How does the Company present its consolidated financial statements according to the document?", "3e102da7-e80c-4293-90f4-5eb47b37a661": "What was the income tax expense for the fiscal year ended March 31, 2024?", "642e6ee9-48d1-4c1f-a0d4-8000cc86cea1": "What was the percentage increase in the cost of revenue reported in the document?", "dfac64e5-cf41-4591-97ba-b100defaa772": "How much did the cost of revenue amount to in millions?", "6932854a-f0dd-448e-9ad8-6ce5d16aa690": "What was the percentage of cost of revenue relative to total revenue in the current period compared to the previous period?", "1e494fd2-d58e-48b7-a78e-22ea5bf0cbbe": "What were the primary factors contributing to the increase in salaries and salary-related benefits?", "dd1510d7-39f8-4d23-9868-1976f76c3bf2": "By how much did incentive and stock-based compensation increase over the prior year?", "4f692d0f-859b-44b9-bc75-78d54ec5f21f": "What other business expenses contributed to the increase in the cost of revenue, and by how much?", "e385462e-9345-4ccc-abc9-cd5a127f0405": "What was the total increase in salaries and salary-related benefits in millions?", "6ddc31ef-91fa-447a-b0f1-48e88c098142": "How did the headcount affect the cost of revenue according to the document?", "1e53246b-0560-4dfc-bd4f-e49d3921f114": "What was the change in professional fees mentioned in the document?", "848b1c69-f84b-4ab8-ada5-8f0e7da8286b": "What is the significance of the decline in cost of revenue as a percentage of revenue despite the overall increase in cost?", "d7be4db5-b025-48fa-b729-7b332d0239f2": "What was the percentage increase in billable expenses for the Company, and what were the primary factors contributing to this increase?", "a1604227-b543-4a20-8b51-572b767a96b5": "How did general and administrative expenses change as a percentage of revenue from fiscal 2023 to fiscal 2024?", "8975b1b8-1c5d-49f9-884f-128f8062baad": "What significant reserve was recorded in fiscal 2023 related to the U.S. Department of Justice\u2019s investigation, and how does it compare to the reserve for fiscal 2024?", "72c23d5a-2e35-48de-bf5c-cd82f197d86b": "What was the primary reason for the increase in interest expense for the Company in fiscal 2024?", "3ebda204-8b6a-437e-b297-5b57a19274f0": "How did other income, net change from the prior year, and what were the main factors contributing to this change?", "22c67669-98eb-41b5-bbf8-c015ea4081c6": "What was the effective tax rate for the Company in fiscal 2024, and what were the primary reasons for its increase compared to fiscal 2023?", "6a5bd710-0859-40e2-bd5a-a8f1475c32ee": "As of March 31, 2024, what was the total liquidity of the Company, and what components made up this liquidity?", "60090aa8-d3fd-4bae-bd42-2c6701c02967": "What actions might the Company consider if additional cash requirements arise beyond its current liquidity resources?", "f57f7f5b-2274-456b-bca0-30c5ffeecc70": "How did depreciation and amortization expenses change in fiscal 2024 compared to the previous year?", "d010634b-81e1-428d-b5e5-dadf85b07da1": "What were the notable pre-tax gains associated with divestiture activities in fiscal 2023 that were not present in fiscal 2024?", "afb01f60-ab36-40bc-91bb-b6184460121d": "What was the total liquidity of the company as of March 31, 2024?", "5fc1e583-e92c-47f1-9cb0-4a2a0307ed06": "How much cash and cash equivalents did the company have on hand as of March 31, 2024?", "40172566-1ce9-4d65-b049-6d468705e0c3": "What is the amount available under the Revolving Credit Facility as reported on March 31, 2024?", "a3cb0fe9-0eba-4cc2-ac73-ac96e898b997": "How did the net cash provided by operating activities change from fiscal year 2022 to fiscal year 2023?", "7f773a1c-8b80-4c56-9178-e47e92484a4a": "What was the total debt of the company as of March 31, 2024?", "4f743312-e23a-441f-ad15-e5df78122ed6": "How much cash was used in investing activities for the fiscal year ended March 31, 2024?", "6a191b77-2904-46f3-8664-3d4978de2059": "What was the total increase (decrease) in cash and cash equivalents for the fiscal year ended March 31, 2023?", "032e58d7-3dd5-4e55-bb1e-247857aecd0b": "What strategies does management believe will help meet liquidity and cash needs?", "c800ccbe-ef33-49a3-9395-ca503b275e0f": "How does the cash and cash equivalents balance as of March 31, 2024 compare to the balance as of March 31, 2022?", "e23dd1d2-ad0a-40b2-bd95-dd4a83175496": "What was the net cash used in financing activities for the fiscal year ended March 31, 2024?", "5ddd39fa-1291-4667-a1dc-ab9b5a3994da": "What are the potential uses for excess cash resources mentioned in the document?", "4f973023-02fb-457b-9fcf-b85c6c34a4bc": "How does the company plan to manage its liquidity needs in the face of cash flow fluctuations?", "baa4a951-fa52-45f8-995d-6beb83aadf03": "What was the acquisition cost of EverWatch Corp. and when did it occur?", "3cff1ba2-a688-498f-8532-2b4a468b80f5": "What financial actions did the company take during fiscal 2024 regarding its Revolving Credit Facility?", "a5933a2f-cf1c-4f76-95b0-4989b21a41ce": "What was the purpose of the Settlement Agreement entered into by the company on July 21, 2023?", "fb92db0e-e1e2-477f-b587-3d69efa41c33": "How does the company generate cash flows from its operations?", "f8347479-74d8-4ef6-bc5c-0ba1768c8b86": "What are the anticipated cash requirements for the next twelve months as outlined in the document?", "a2d43cf1-85b6-42a2-ae01-ab6af9f18a1a": "What factors can affect the company's ability to fund its operating needs?", "5a0a046a-38c4-4405-a22b-b16a8a7a0c65": "What types of contracts does the company engage in, and how do they impact billing and payment terms?", "c272975d-ba98-4218-85bc-587f55c3b409": "What were the terms of the payment made to the United States as part of the Settlement Agreement?", "854beb07-c097-459a-9e60-dbc115877c03": "What was the total amount the Company agreed to pay to the United States under the Settlement Agreement?", "d17d6629-e076-46c5-9acd-f99d1aaed282": "In which quarter of fiscal 2024 did the Company make the payment related to the Settlement Agreement?", "c6f335bc-c750-4163-a815-2c044538add5": "What are the primary sources of cash for the Company as mentioned in the document?", "0d90d7ec-fe8f-44d0-9062-92598c040e31": "How does the Company typically handle billing for cost-reimbursable and time-and-materials contracts?", "04a5c5c1-cdd6-4188-88c3-29deae6fdfac": "What factors influence the billing timetables and payment terms on the Company's contracts?", "73a7686b-1c79-4485-9243-48fb574391e5": "Under what conditions does the Company generally begin work on contracts?", "c02d678d-6fe8-41b6-9e86-0bc0c13c9df5": "What type of contracts may limit the Company to billing only upon achieving specified milestones?", "32fbb743-2784-4e74-8923-0bfa41c761cb": "What is the significance of performance-based payments in the Company's billing process?", "51b0c3a6-9376-4dfa-a35c-c0b544124391": "How does the Company finance the payment related to the Settlement Agreement?", "867f6e10-4821-4b48-af9e-1bf362a021aa": "Where can additional information regarding the Settlement Agreement be found in the Company's financial statements?", "3259de6c-4d1e-4b37-8681-8b11701f254c": "What is the principal component of the company's working capital as described in the document?", "c9a1eabd-0f00-4d6d-9fed-02ca932fb54f": "How does the payment cycle of the company's clients typically affect accounts receivable?", "009a43bf-56d5-459b-8f08-256121389566": "What was the net cash provided by operations for fiscal 2024, and how does it compare to fiscal 2023?", "913afba2-90a8-4045-be8e-3282a4a7fb38": "What impact did the Tax Cuts and Jobs Act of 2017 have on the company's cash from operations in fiscal 2023?", "38c3b636-2656-40a2-8322-0597511dd3bb": "How much net cash was used in investing activities during fiscal 2024 compared to the previous year?", "e0748c37-aabf-4777-80d4-ee3e10e37a56": "What were the primary reasons for the decrease in net cash used in financing activities from fiscal 2023 to fiscal 2024?", "af2d43cc-6243-4eb5-87e1-2408abd1f947": "How much did the company pay in dividends per share to shareholders in fiscal 2024?", "6eea21ad-2083-45bc-bdad-1b9fa7d5e9e5": "What factors contributed to the significant decrease in operating cash flow from fiscal 2023 to fiscal 2024?", "b40445a8-91ec-426a-86b3-284043865677": "What was the total amount received from the issuance of the 5.95% Senior Notes due 2033 in fiscal 2024?", "f4cd885f-9edd-45e5-8769-2db9896b6b88": "How did the company's acquisition of Everwatch in fiscal 2023 affect its investing cash flow in fiscal 2024?", "52e39f17-fcf2-43b8-942f-6edb2aea92dc": "What is the amount of the quarterly cash dividend announced by the Company on May 24, 2024?", "afdccfaf-e275-4e28-b012-443021699731": "When is the quarterly dividend payable to stockholders?", "9cf5c417-929e-4f35-a0ec-aa696796f7fb": "What is the record date for stockholders to be eligible for the dividend announced on May 24, 2024?", "b1432e76-983f-4a5a-9845-ffc5024c4d11": "How much in recurring dividends was declared and paid during the fiscal year ended March 31, 2024?", "64648d72-8ae4-4203-90ec-f92b83494d54": "What were the recurring dividends declared and paid for the fiscal years ended March 31, 2023, and 2022?", "941333ba-3bd4-4dae-bb61-b9949553bc31": "How do the recurring dividends for fiscal year 2024 compare to those for fiscal year 2023?", "51b71809-29d5-462e-b4e7-ef0c4f07642a": "What is the trend in recurring dividends from fiscal year 2022 to fiscal year 2024 based on the provided data?", "5f478674-ea7c-4d6a-8d17-11307217838c": "What is the total amount of recurring dividends recognized in the consolidated statement of cash flows for fiscal year 2023?", "16f2dd96-ba35-4e51-8ef3-f1e96ff50735": "How much did the recurring dividends increase from fiscal year 2022 to fiscal year 2023?", "0fdd353c-9c0f-4f45-9fe0-8cf5fefe15bb": "What does the table in the document summarize regarding cash distributions?", "a62cd426-6a10-40db-b1a9-05189d072a9e": "What was the total amount approved for the share repurchase program by the Board on December 12, 2011?", "5048f8ab-1c8d-4ec6-93b1-fc25630ef1f1": "How many shares of Class A Common Stock did the Company repurchase during fiscal 2024?", "e7f18f0e-cc92-43ce-a784-28479a90edcc": "As of March 31, 2024, how much remaining cash was available under the share repurchase program?", "ce53292b-ea12-460b-9392-3e0275759d4e": "What was the total outstanding debt of the Company as of March 31, 2024?", "1e783461-5a54-4de7-82d3-94eaf9ab891a": "What significant changes were made to the Credit Agreement on July 27, 2023?", "89b0673d-ed12-47df-b367-a8da4eb16e42": "What is the purpose of the Guarantee Agreement entered into by the Company in connection with the Amended Credit Agreement?", "bd326c28-ebd5-47a9-88a3-fd01abaa0220": "How does the amortization schedule for Term Loan A change after the two-year anniversary of the Ninth Amendment Effective Date?", "1e2def94-cb2d-45f6-85d6-e25799f57834": "What factors may influence the Company's decision to pursue alternative uses for excess cash?", "00d0e8b1-1f7d-4ae8-8e6f-279573a61325": "What were the amounts of unamortized discount and debt issuance costs as of March 31, 2024?", "53a76c45-aee3-4955-8ad3-f030767c5652": "Which financial institutions were involved in the Tenth Amendment to the Credit Agreement?", "d5a61d16-2c2f-4b69-952c-b99659ce3adb": "What options does Booz Allen Hamilton have regarding its domestic subsidiaries under the Guarantee Agreement as per the Amended Credit Agreement?", "24061655-6294-43e1-ab8c-4bc0323d3410": "How is the amortization schedule for Term Loan A structured in relation to the Ninth Amendment Effective Date?", "0959223d-02d0-4c2b-ae86-2212e5396ba1": "What interest rate benchmarks are used for Term Loan A and the Revolving Loans, and what adjustments are applied?", "56d7ed9e-12c0-4e13-b700-5d3721531bca": "What is the range of the applicable margin for Term Loan A and Revolving Loans based on the consolidated total net leverage ratio grid?", "009f2b72-099a-40ab-9bd8-db608d5b3425": "What are the quarterly fees associated with Unused New Revolving Commitments, and how are they determined?", "1c5e2616-fb97-4f59-af4f-7f8830e457b2": "As of March 31, 2024, what was the total amount of standby letters of credit and bank guarantees that Booz Allen Hamilton was contingently liable for?", "fa0e2571-6618-4d68-83b0-b124f1243795": "What primary purposes do the letters of credit and bank guarantees serve for Booz Allen Hamilton?", "7cea461b-c35d-4f19-8503-076df51232e6": "How much of the standby letters of credit and bank guarantees reduced Booz Allen Hamilton's available borrowings under the Revolving Credit Facility as of March 31, 2024?", "7021213e-30c9-4b27-8de5-ae87f88aa272": "What was the amount available to Booz Allen Hamilton under the separate $7.5 million facility as of March 31, 2024?", "22faacde-9f22-4428-a0db-37b4ed80c7bf": "What are the two grids used to determine the applicable margin and fee rates for Booz Allen Hamilton's loans and commitments?", "4d628750-0778-4b1d-bf6f-2d2e9ac8c467": "What was the amount borrowed by Booz Allen Hamilton under the Revolving Credit Facility during fiscal 2024?", "56399b02-ce58-4650-9583-cba35a8704f6": "As of March 31, 2024, what was the total capacity available for borrowings under the Revolving Credit Facility?", "fdc4b5f6-1562-4b78-8f39-cfd279b4b26a": "What is the purpose of the interest rate swaps held by Booz Allen Hamilton?", "f6e4882f-4701-4e43-a700-1b9e054edf4d": "How much did Booz Allen Hamilton pay in interest for Term Loan A during the three months ended March 31, 2024?", "9cd4ad2a-663d-481c-8722-519925652232": "What are some of the remaining negative covenants outlined in the Credit Agreement?", "3e99f8f0-ffee-423e-97e6-b845d8ad8d43": "When were the Senior Notes due 2033 issued by Booz Allen Hamilton, and what is their interest rate?", "b50ca1b4-db5e-4c51-812b-18ca64f430f2": "What financial covenants must Booz Allen Hamilton meet at each quarter end?", "2d900322-2166-4de3-afb2-04c19ef12689": "What events of default are specified in the Credit Agreement for Booz Allen Hamilton?", "272cfed2-96f0-4b2b-87c4-03697c13a362": "How does the Senior Notes due 2033 rank in relation to other unsecured and unsubordinated indebtedness of Booz Allen Hamilton?", "97cacb90-ee19-4c19-89fe-83477764ea6d": "What was the total interest payment made by Booz Allen Hamilton on its term loans for the fiscal year ended March 31, 2024?", "56d71474-b235-4a11-9001-e4fd8e5f3f72": "What is the maturity date of the Senior Notes issued by Booz Allen Hamilton in 2021?", "359c3e1a-1d2c-446e-a569-c8f0a72975fd": "How much was the aggregate principal amount of the Senior Notes due 2029 issued by Booz Allen Hamilton?", "2d6ba002-3db4-42f1-b8ea-60fc78c1bcdd": "Who is the trustee for the Senior Notes due 2033?", "9391d8ed-fe49-4b1a-bded-d2436908bd34": "What is the interest rate of the Senior Notes due 2029 issued by Booz Allen Hamilton?", "ce991835-47d7-46af-a0bb-0dbaf710ac2a": "Which corporation fully guarantees the Senior Notes due 2033?", "c4702109-f660-45a9-bf56-f6c1dd5ebe30": "What was the purpose of the net proceeds from the sale of the Senior Notes due 2029?", "d3731593-cc77-4093-a506-a0feb5e3d7db": "How do the Senior Notes due 2029 rank in relation to Booz Allen Hamilton's future subordinated indebtedness?", "167161b5-407e-49a6-8c0a-5c9c0cff4a92": "What type of indebtedness are the Senior Notes due 2033 classified as?", "aaea70b8-de9b-4996-9399-53358d98d619": "Who are the 2029 Subsidiary Guarantors mentioned in the document?", "ad06018a-484a-4f11-bfd8-72cd4bf59478": "What date was the Indenture and First Supplement Indenture for the Senior Notes due 2029 executed?", "06efaa6e-aa25-4cb4-a6ed-fb1d7ecbbdbd": "What was the aggregate principal amount of Booz Allen Hamilton's Senior Notes due September 1, 2028, issued on August 24, 2020?", "9ce13c06-a5bb-4c21-a534-0df995dfca38": "Who are the guarantors associated with the Senior Notes due 2028?", "a2af9d08-43bb-48e7-ae11-3c189426439a": "What are the key financial figures reported for Booz Allen Hamilton and Booz Allen Holding as of March 31, 2024?", "cc3e2c3d-3135-40e1-9028-71cfb16fe1a9": "What event led to the suspension of certain negative covenants in the indentures governing the Senior Notes 2028 and 2029?", "69a070c1-a258-47e7-8dcb-12f7ac26df8d": "How much did Booz Allen Hamilton's stockholders\u2019 equity increase from March 31, 2023, to March 31, 2024?", "09cbde54-a3d1-4cb6-9eaf-7ab635d8b8ef": "What was the total revenue reported for Booz Allen Hamilton for the fiscal year ended March 31, 2024?", "244343d7-3838-469a-b61e-de0e3f7990b1": "What is the significance of the Indenture and First Supplemental Indenture dated August 24, 2020, in relation to the Senior Notes?", "73948744-00ae-4a29-8400-518493885da1": "How much long-term debt did Booz Allen Hamilton report as of March 31, 2024?", "d80e69d1-00fb-4fcb-88ea-f2376cf4190b": "What was the net income attributable to the Obligor Group for the fiscal year ended March 31, 2024?", "2fd4419a-1be0-44ab-b0bd-8bfe43ae5c4a": "What impact did the repurchase of shares of Class A Common Stock have on Booz Allen Hamilton's stockholders\u2019 equity as of March 31, 2024?", "903ecf3a-a2c6-4ecc-9448-0100c58fa942": "What were the capital expenditures for fiscal 2024 and 2023, and how much of the 2024 expenditures were unpaid at year-end?", "5969a426-d085-47dc-a87a-5d2771abf5f2": "What types of items do the capital expenditures primarily relate to, according to the document?", "b95a2664-51a3-4325-a562-bba1d4765472": "How does the company manage its exposure to market risk related to interest rates?", "c467af64-348b-4e39-8ef0-f3c9f3bc0ae8": "What was the impact on interest expense related to the Senior Credit Facility from a hypothetical 25 basis point increase in interest rates for fiscal 2024?", "5c50ac5a-55d2-4e7e-ba57-974d09e2760b": "As of March 31, 2024, what was the total amount of cash and cash equivalents held by the company?", "7d2e090b-9ecb-4c0c-bdba-90648e4fa5a6": "How did the interest income as a percentage of average monthly balance sheet cash change from fiscal 2023 to fiscal 2024?", "f559aa54-4b13-43f4-b501-552f78fcc5f6": "What modifications were made to the interest rate swap agreements during the first quarter of fiscal 2024?", "e528350f-13a5-4e06-b216-ed71a9f45ce5": "What is the notional amount of the effective interest rate swaps held by the company as of March 31, 2024?", "4e0ef86f-6b4e-4e90-aa90-c26ee86d1ac4": "How do changes in fair value of fund assets and fund liabilities affect the company's earnings?", "44c2283e-ea4f-435e-99fb-67b111db3edb": "What is the purpose of the Rabbi trust maintained by the company, and what was the total value of fund assets as of March 31, 2024?", "f0a3aba5-e010-4212-9ff5-8950552c3477": "What is the purpose of the report from the Independent Registered Public Accounting Firm in the financial statements document?", "de678d48-1659-4b91-8b2c-81ef9417f2a0": "As of which dates are the Consolidated Balance Sheets presented in the document?", "5c7179d6-4514-477c-874b-6d6814236b93": "How many fiscal years are covered in the Consolidated Statements of Operations section?", "ac7cc325-7558-496c-99de-25b6c7de7753": "What information can be found in the Consolidated Statements of Comprehensive Income?", "921ae0b4-88e7-425c-a993-bfe358c53e84": "What is the significance of the Consolidated Statements of Cash Flows for the fiscal years ended March 31, 2024, 2023, and 2022?", "d00b106d-7ecc-46ad-91b3-aba58b627ba7": "Which section of the document contains the Notes to Consolidated Financial Statements?", "fb50ba19-6598-4732-b46a-ed0d539b5a55": "What does the Consolidated Statements of Stockholders' Equity detail for the fiscal years mentioned?", "0c5a8c11-1a49-414e-b3f1-6bbc474c83ea": "How is the financial performance of the company assessed in the document?", "d5b9079e-8be0-498b-bdd5-78e003b1c29f": "What is the page number for the Report of Independent Registered Public Accounting Firm in the financial statements?", "8fb0ffef-d1bb-40bd-bcba-b4d8bd70cd6e": "What type of data is included in the Financial Statements and Supplementary Data section?", "7cf50036-79fb-478d-b66c-b97ba0aaf0ff": "What is the date of the audit report for Booz Allen Hamilton Holding Corporation's financial statements?", "d31bc80c-1683-459b-bbc3-309e13ced0d7": "Who is responsible for the financial statements of Booz Allen Hamilton Holding Corporation according to the audit report?", "b1b3304c-d0ba-444e-b297-db30309ed154": "What opinion did the independent registered public accounting firm express regarding the financial statements of Booz Allen Hamilton Holding Corporation?", "7cd1daaa-bc89-4e83-a380-408374214ca0": "Which framework was used to evaluate the Company's internal control over financial reporting?", "773fad87-e563-4d78-a77a-36ab2dfedbb1": "What are the two main aspects that the critical audit matters relate to in the audit report?", "0bfdc2b0-3186-4697-9363-e6d611eb4c1f": "What does PCAOB stand for, and what is its relevance in the context of the audit report?", "8de2a201-15e9-4518-940f-b82de46ce355": "How many years of financial data were audited for Booz Allen Hamilton Holding Corporation?", "9276556e-c4b5-480f-9cf8-e2b8a3746114": "What does the term \"unqualified opinion\" signify in the context of the audit report?", "fdcf1fb6-73d2-4118-96ec-9fb9e36fa6ca": "What procedures did the auditors perform to assess the risks of material misstatement in the financial statements?", "61a0afe5-9efb-4b15-a2cf-b37d0a7802f1": "What is the significance of the audit committee in relation to the critical audit matters communicated in the report?", "6c89aab4-8648-474c-9ee7-edb83c927463": "What method does the Company use to recognize revenue for certain contracts involving a continuous transfer of control to the customer?", "cb5ebffd-ec68-46f6-a237-8b904cdcaf5d": "How does the Company estimate total costs of the performance obligation at completion (EAC) for revenue recognition?", "cc856cac-3f3f-4d4a-8607-3f8cbb71bae4": "What are the potential impacts of changes in estimates of costs at completion on the Company\u2019s financial results?", "6b4c3bcd-e2a7-437a-a8ec-57ce71d6951c": "What audit procedures were performed to test the accuracy of the Company\u2019s estimated costs at completion?", "11eb3e11-bc44-4638-b939-5fe5cd367f67": "What challenges are associated with auditing the provision for claimed indirect costs in government contracting?", "84d246fb-e4b4-4969-9a42-347fdcdc96e1": "How does the Company determine the appropriateness of changes in estimated future costs during the audit process?", "f0466bf0-44bf-4e9e-81e8-7591d59fce0a": "What is the significance of the $363.7 million liability recognized by the Company for estimated adjustments to claimed indirect costs?", "a973b58f-d7dd-46ce-b7d8-59b405196eaa": "Which U.S. government agency routinely audits the Company\u2019s indirect costs and business practices?", "8d616cda-3cc4-4a94-8b59-78da8174d522": "What factors contribute to the complexity of auditing the provision for claimed indirect costs?", "1ba508da-192b-4e9d-8866-ab2b246483e4": "How does the Company assess the stage of completion for its performance obligations under contracts?", "67a15698-744f-4812-905d-7c77b7255383": "What controls were evaluated by the auditors regarding the Company's provision for claimed indirect costs?", "c03a774f-b4ee-433b-9e77-9be9f43eeca2": "How much has the Company recorded in reserves for uncertain tax positions as of March 31, 2024?", "dd5e4cf8-75b8-4339-b439-a84064b78459": "What is the significance of the \"more likely than not\" recognition threshold in the context of unrecognized tax benefits?", "70b629aa-e580-48f6-a6e6-f3ceb1547b87": "Which auditing firm has served as the Company's auditor since 2006?", "70ecdcf5-b1c8-46d8-8fea-87efb1d7a0cc": "What procedures did the auditors perform to test the accuracy of the estimates related to claimed indirect costs?", "64a079bd-e863-42b4-84f4-8f890b19cf50": "What role did government contracting specialists play in the audit process for claimed indirect costs?", "a5069b3b-1763-4152-8998-680c26837925": "How does the Company determine the reserves for uncertain tax positions related to unrecognized income tax benefits?", "18115368-2b32-4d37-97e5-f7e743687ff4": "What types of communications were inspected by the auditors in relation to the DCAA or DCMA?", "67cff2f7-fd2f-4141-80da-21a54f804476": "What challenges did the auditors face when auditing the unrecognized tax benefits?", "9f37d850-b033-4042-9e53-863696757707": "What methodologies did the auditors use to assess the technical merits of the Company\u2019s tax positions?", "9a74e3b8-6b93-4962-bfa1-7a2c5fd90618": "What was the total amount of cash and cash equivalents for Booz Allen Hamilton as of March 31, 2024?", "fb9c4647-babe-451a-96ee-2b1e10d0712c": "How much did Booz Allen Hamilton report in accounts receivable, net, for the year ending March 31, 2023?", "a5ab63c8-658e-44ac-801f-0a729a16bccb": "What is the value of goodwill listed on the consolidated balance sheet for March 31, 2024?", "b34565a2-a6fa-407f-8d7c-fca1df337913": "How much did the total liabilities amount to for Booz Allen Hamilton as of March 31, 2023?", "e05050ee-f853-4e26-9601-3d517303b671": "What is the par value of the common stock, Class A, for Booz Allen Hamilton?", "5212c6f1-b700-4012-834b-d0df8d2b96fd": "How many shares of common stock, Class A, were outstanding as of March 31, 2024?", "f718d880-03bf-43ea-9cf8-4eff9dafb68c": "What was the total stockholders' equity for Booz Allen Hamilton on March 31, 2024?", "6a9aee5e-c03e-45d2-95ae-4644d932240b": "How much did Booz Allen Hamilton report in additional paid-in capital for the year ending March 31, 2023?", "240b18a3-e4b7-40a6-a664-24d478e754e3": "What is the change in accumulated other comprehensive income from March 31, 2023, to March 31, 2024?", "83c32a03-b50f-48b6-bee8-18661acbc7aa": "What were the total current liabilities for Booz Allen Hamilton as of March 31, 2024?", "0a3e3f8d-145b-493a-bf4d-4d2e8ad6bb9d": "What was the total revenue for Booz Allen Hamilton Holding Corporation for the fiscal year ended March 31, 2024?", "6351ac22-6a82-47d1-a841-edd424ed0205": "How much did Booz Allen Hamilton incur in general and administrative expenses for the fiscal year ended March 31, 2023?", "5fee241f-42cc-428b-b51c-f6bd12337d67": "What was the operating income for Booz Allen Hamilton for the fiscal year ended March 31, 2022?", "527106b2-46d4-4cbd-b492-116b855b0f98": "How did the net income attributable to common stockholders change from fiscal year 2022 to fiscal year 2024?", "22dc225d-f3e5-4fe8-a9c6-0ef905f5a2c9": "What was the interest expense reported by Booz Allen Hamilton for the fiscal year ended March 31, 2024?", "b8155df3-4aff-4807-a8b4-32891ff79cd3": "What was the earnings per share (diluted) for Booz Allen Hamilton for the fiscal year ended March 31, 2023?", "cd829ff2-d4cf-4b5b-a99c-c406d9511613": "How much did Booz Allen Hamilton report as total operating costs and expenses for the fiscal year ended March 31, 2024?", "3f118f8b-bf9f-4d54-8668-a86eb6a4a034": "What was the income tax expense for Booz Allen Hamilton for the fiscal year ended March 31, 2022?", "da3ddea8-3bcc-4d50-8a25-bac684c41114": "What is the trend in billable expenses from fiscal year 2022 to fiscal year 2024 for Booz Allen Hamilton?", "db354738-dad8-4c7e-9de5-fd43110f757a": "How did the net loss attributable to non-controlling interest change from fiscal year 2022 to fiscal year 2023?", "d9176b08-ff7b-432f-b5d6-600534777f27": "What was the net income for Booz Allen Hamilton Holding Corporation for the fiscal year ended March 31, 2024?", "a959f924-0071-4f6b-bb7b-22bbd439dfe0": "How did the comprehensive income for the fiscal year 2023 compare to that of 2022?", "8f518a24-1470-4c94-be62-8ee7639a409f": "What was the total other comprehensive income (loss) for Booz Allen Hamilton for the fiscal year ended March 31, 2024?", "c70dab38-3c7e-439c-8ab1-49da7b8dbf58": "What amount is reported as comprehensive loss attributable to non-controlling interest for the fiscal year ended March 31, 2023?", "a31044f5-8d37-43f5-8296-7ae913c05a5f": "How much did the change in unrealized gain on derivatives designated as cash flow hedges affect the comprehensive income for the fiscal year 2024?", "ed513ff9-8f59-4879-aa33-40e972319b18": "What were the postretirement plan costs for Booz Allen Hamilton in the fiscal year ended March 31, 2024?", "34d2019f-c062-49ff-a3d4-ff05e553914c": "What is the total comprehensive income attributable to common stockholders for the fiscal year 2022?", "0430481c-d8ea-4ba3-a58f-6e7ff8223ef2": "What was the change in other comprehensive income, net of tax, from fiscal year 2023 to fiscal year 2024?", "1f1f4687-59d8-4074-98b1-8893ab6f010b": "How much did Booz Allen Hamilton report as comprehensive income for the fiscal year ended March 31, 2024, compared to the previous year?", "b0a05a20-9182-4784-adc5-ee7ecf2d635a": "What are the amounts in thousands reported for net income for the fiscal years 2022 and 2023?", "25fe8c53-27fa-4c58-b5aa-5300be5893fe": "What was the net income for Booz Allen Hamilton Holding Corporation for the fiscal year ended March 31, 2024?", "546786bd-71da-40cb-b3a0-a2230f665082": "How much did Booz Allen Hamilton spend on depreciation and amortization in the fiscal year 2023?", "36d8a64b-f6a7-4bfc-8214-19d28576b805": "What were the cash flows from operating activities for Booz Allen Hamilton in the fiscal year 2022?", "c55f4b1c-4c50-4352-a6de-634a1378fb3f": "How much did Booz Allen Hamilton report as net cash used in investing activities for the fiscal year ended March 31, 2024?", "4c172df4-5067-4296-a489-aa0864d5de6b": "What was the total amount of cash dividends paid by Booz Allen Hamilton in the fiscal year 2023?", "c59a58bf-e346-482d-9d7c-0c178725acdd": "How did the cash and cash equivalents at the end of the fiscal year 2024 compare to the previous year?", "e2b6be37-d681-4d47-920d-4d3b35921ea0": "What adjustments were made to reconcile net income to net cash provided by operating activities for the fiscal year 2024?", "0221cf10-114c-438f-9c96-2148f9f2696e": "What was the amount of net cash paid for interest during the fiscal year 2022?", "6f5c9b37-ec5b-4b42-83a2-af73339ff14c": "How much did Booz Allen Hamilton report in stock-based compensation expense for the fiscal year 2023?", "b0e4ec26-10d9-40b1-a999-b9d74e9f7215": "What were the proceeds from the issuance of common stock for Booz Allen Hamilton in the fiscal year ended March 31, 2024?", "cddd222b-29bf-4724-bf70-36e75466d64e": "What was the total stockholders' equity for Booz Allen Hamilton Holding Corporation as of March 31, 2023?", "61b0051f-d5b6-49ac-9651-85a2ee48fa5f": "How many shares of Class A common stock were issued during the fiscal year ending March 31, 2022?", "578faa6b-a079-4002-854e-4230f9f4bd88": "What was the amount of dividends paid per share of common stock for the year ending March 31, 2022?", "818347f4-bcad-40bd-b0f7-bd255b1c6953": "What was the net income reported for Booz Allen Hamilton Holding Corporation for the fiscal year ending March 31, 2023?", "571a702f-3f2e-4814-a0c7-da72d03ad2a7": "How much was recognized as stock-based compensation expense for the fiscal year ending March 31, 2023?", "132802ac-7351-415e-be9b-6570d002e6dc": "What was the total amount of treasury stock repurchased by Booz Allen Hamilton Holding Corporation during the fiscal year ending March 31, 2022?", "8040ce21-2b53-4182-b4a3-95d542ad8bef": "What impact did the de-consolidation of non-controlling interest have on the total stockholders' equity as of March 31, 2023?", "b6273314-d3ef-4df7-a315-889dc8b323be": "How much additional paid-in capital was recorded for the fiscal year ending March 31, 2022?", "c720d299-ff45-4d87-869e-d8d4d1762ada": "What was the accumulated other comprehensive income (loss) for Booz Allen Hamilton Holding Corporation as of March 31, 2022?", "9394371c-56de-451a-a1b4-476492528fe3": "How many shares of common stock were repurchased during the fiscal year ending March 31, 2023?", "7dd4eb6f-c4b3-4dcd-8f02-ff7e81252535": "What was the balance of common stock at March 31, 2023, according to the document?", "dc3e609c-a73a-425c-b87f-a9aff7a51a03": "How much common stock was issued during the period leading up to March 31, 2024?", "61ac3fe2-ea08-495e-be68-703a7babc6cc": "What was the net income reported for the period ending March 31, 2024?", "0e45e13d-1770-4f0d-97a6-4aab69c362c6": "How much was paid in dividends per share of common stock during the reporting period?", "c9301627-f170-4391-8140-19d99809c47f": "What was the total amount of stock-based compensation expense recognized in the financial statements?", "33ecf7a1-21e6-4c4e-b316-d325f46850d6": "What was the balance of treasury stock at March 31, 2024?", "150b1b52-cd1f-4d9e-b4db-6cb5a128484e": "How much was repurchased in common stock during the reporting period?", "e63f00ad-b657-47ba-8b62-e917749c7274": "What is the total amount of other comprehensive income, net of tax, reported in the document?", "6e838b1b-2d93-4371-93b3-26336ddfbbfd": "What was the change in the balance of common stock from March 31, 2023, to March 31, 2024?", "1b0be829-37d7-43b5-9111-d209ae3753b3": "How many stock options were exercised during the period leading up to March 31, 2024?", "e6ed2f50-f7c5-47ec-999d-2aa95afd15dc": "What services does Booz Allen Hamilton Holding Corporation provide to its clients?", "e0f1ec1e-a305-44bf-a0a8-f47a4fe41b32": "In which year was Booz Allen Hamilton Holding Corporation incorporated?", "9b5b2f91-8ca8-4a41-8225-b0268b826dff": "How many employees did Booz Allen Hamilton have as of March 31, 2024?", "217d75da-bf1d-4db1-8a07-c6ff3087ae78": "What accounting principles does Booz Allen Hamilton follow for its financial statements?", "fb3a4edd-de6a-48ff-ac87-ed6be0917c22": "What types of contracts does Booz Allen Hamilton use to generate revenue from its customers?", "b9bcbd72-129d-4602-948f-4d85e82d5dda": "What is the fiscal year-end date for Booz Allen Hamilton?", "bfb00788-1be4-4b4f-8761-f1ae5735cf6c": "How does Booz Allen Hamilton account for investments in entities it does not control?", "2d6168e2-4852-45b5-a274-b2e548d47b8e": "What are some areas where management estimates may significantly affect the financial statements of Booz Allen Hamilton?", "5eee01cf-95a2-4159-ba17-0aaabc0b354e": "What is the primary location of Booz Allen Hamilton's headquarters?", "1685b320-81fb-4be2-b536-74d2b1571aa0": "How does Booz Allen Hamilton recognize revenue from cost-reimbursable contracts?", "2c4dfcee-2923-4673-9c29-0cd315468f88": "What is the primary accounting standard referenced in the document for recognizing revenue from contracts with customers?", "38c31526-23c7-4482-a6c8-f758bba5e1f9": "How does Booz Allen Hamilton determine whether a contract with a customer exists under ASC No. 606?", "7edcfe55-85a4-4b19-bca1-b2eafb8d7c6d": "What factors are considered when evaluating contract modifications at Booz Allen Hamilton?", "ae9b5f5e-eb48-4341-988d-1959a14d2e36": "Under what circumstances does Booz Allen Hamilton account for contract modifications as separate contracts?", "cd0a7afe-770f-453d-af6d-b7d278f098f1": "What method does the Company typically use to recognize revenue for its performance obligations?", "7e155803-66f8-4cef-b512-404bdba8086c": "What are contract assets, and how do they arise in Booz Allen Hamilton's financial statements?", "ea44c520-854f-4d4f-8c70-6f8e5e635c23": "How does Booz Allen Hamilton handle long-term unbilled receivables in its consolidated balance sheets?", "516a1564-52ff-46ad-a6cc-b6cb14dede59": "What constitutes contract liabilities for Booz Allen Hamilton, and how are they reported?", "79b5f336-a522-404c-9868-0a6e9a70a451": "How does the timing of revenue recognition differ from customer billings and cash collections at Booz Allen Hamilton?", "408bfa4c-e827-4218-8256-dc7ad0ed301c": "What is the purpose of maintaining an allowance for credit losses in Booz Allen Hamilton's financial reporting?", "00a6f462-d43e-47cb-a49c-74538b7b7563": "What regulatory framework governs contracts with the U.S. government for Booz Allen Hamilton Holding Corporation?", "a551b0e3-ecfd-4b61-979d-452f037da9f8": "How does Booz Allen Hamilton determine pricing for contracts with non-U.S. government agencies and commercial customers?", "fcad53b4-f953-4eb7-a744-9eba6c8c89a3": "What factors influence the variable consideration in Booz Allen Hamilton's contracts?", "58e768a8-0fa2-4661-9e46-925829b41c7a": "When does Booz Allen Hamilton recognize revenue for performance obligations in customer contracts?", "cbdc690e-6646-4d88-bdc0-b60ecc24d9f8": "What method does Booz Allen Hamilton use to measure progress towards satisfaction of performance obligations?", "f6d1ad3e-fb62-468f-80c6-4c4494a6aac8": "How are indirect costs allocated to customer contracts for interim financial reporting periods at Booz Allen Hamilton?", "304af6aa-7414-4da3-8a63-62ad71041864": "What is the significance of forward-pricing rates in Booz Allen Hamilton's revenue recognition process?", "e75d6d3b-d7b1-44f6-854c-5b5a8f5cbdc5": "Under what circumstances can the U.S. government terminate a contract with Booz Allen Hamilton?", "4b579275-148b-45e0-ab4b-84b415d5abfb": "What types of contracts allow Booz Allen Hamilton to use the right-to-invoice practical expedient for revenue recognition?", "4f015910-90e5-4bca-bfa7-7f112249d84b": "How does Booz Allen Hamilton handle changes in estimated annual forward-pricing rates during the fiscal year?", "aba5ea0c-db44-4409-9dc1-75a2855e26d6": "What is the process for adjusting estimated annual forward-pricing rates at the end of the fiscal year according to the document?", "a3c940e8-47ff-448f-9d91-c4cd2cbcb953": "How does the company recognize revenue for time-and-materials and cost-reimbursable-plus-fee contracts?", "fb218b38-1881-4bff-aad0-3bd861af9620": "What is the right-to-invoice practical expedient, and why did the company choose not to elect it?", "fae2c482-8302-4297-a8d7-17039f61c1cf": "How is revenue recognized for stand-ready performance obligations under fixed-price contracts?", "28854350-d143-4a71-9981-657133945c23": "What factors influence the timing of revenue recognition in the company's contracts?", "a61b1187-ff71-42a3-8864-ea8b88a5571b": "What is the significance of final audit and negotiation with the U.S. government regarding contract revenue?", "3beda96b-8164-4c8d-964d-8cca6be17405": "Under what circumstances does the company recognize revenue at the point in time when control of a good or service is transferred?", "ece02927-8d93-48aa-a014-6b4a873c6a24": "What judgments must management make when determining a measure of progress towards the satisfaction of performance obligations?", "ff56349a-5b0f-4435-969d-1f9019d0e978": "How does the company adjust contract revenue attributable to indirect costs?", "b3a8e3d4-22c1-4960-ae64-9a4d2818c844": "What are the implications of not using the right-to-invoice practical expedient on the remaining performance obligations disclosed?", "585909f0-a282-4b5e-a0d6-6c5d1d2d755c": "What method does Booz Allen Hamilton use to recognize revenue under their contracts?", "b938d441-18a1-4c4e-a2b5-82a988ea58a0": "How does management at Booz Allen Hamilton estimate the total cost at completion of performance obligations?", "d07d5586-2946-412a-9ab3-91c2f946ff51": "What are the components included in Booz Allen Hamilton's cash and cash equivalents?", "c6e35d07-0774-4c07-a0f3-12d10e285fe5": "How does Booz Allen Hamilton assess the recoverability of accounts receivable?", "9933d7de-2d60-4ad7-9ea7-212e853937d4": "What factors does Booz Allen Hamilton consider when determining its allowance for doubtful accounts?", "e3057aa0-8828-4fd6-9cf8-cfea544e6cf2": "What is the depreciation method used for property and equipment at Booz Allen Hamilton?", "c146509f-2526-467f-b962-aaf9d05b6699": "How does Booz Allen Hamilton account for business combinations in their financial statements?", "bf3535dd-cf01-49bc-8f42-23bcca1bf701": "What is the significance of the Estimate-at-Completion (EAC) process in Booz Allen Hamilton's contract management?", "70fca971-081e-4a29-bc34-6d926f34e984": "What types of risks are considered by Booz Allen Hamilton when estimating contract profitability?", "76cca426-d0a1-467f-a5b1-6485e87cb5f8": "How does Booz Allen Hamilton handle maintenance and repairs for property and equipment in their financial reporting?", "c322b796-0bcc-4fde-9ec3-c9731aaeafe1": "What types of intangible assets are primarily held by Booz Allen Hamilton Holding Corporation according to the financial statements?", "a92af00a-6342-442c-99cc-522e74e5db92": "How does the Company capitalize costs associated with developing internal-use computer software?", "cf5404bc-27bc-42a5-8589-1ee1d4befc24": "What is the amortization period for software purchased or developed for internal use by the Company?", "9a18758d-ef4c-458d-b722-c6e077f91eec": "When does Booz Allen Hamilton assess goodwill for impairment, and what criteria determine if goodwill is impaired?", "3114e0ef-b051-479c-9407-118897448340": "What method does the Company use to estimate the fair value of its trade name intangible asset?", "54494eaf-9441-4313-aa74-8ffa8cfa76ff": "How does the Company review its long-lived assets for impairment, and what conditions trigger this review?", "914be9b2-b66e-4aa7-8785-d9c6e633b3d8": "What types of leases does Booz Allen Hamilton typically engage in, and how are these leases recognized in their financial statements?", "27c9f220-1182-49f6-85ef-e6435bcc0bc6": "What is the significance of the Company's annual impairment test of goodwill conducted on January 1?", "4743fb5a-63c3-4e67-8be5-eeb474952770": "During the fiscal years ended March 31, 2024, 2023, and 2022, did Booz Allen Hamilton record any impairment of intangible assets or goodwill?", "3ea20a79-b312-4af1-90f8-6321f975cde9": "How does the Company determine the present value of future lease payments for its operating leases?", "dbf244f0-eae7-4267-855a-8e89eb74e709": "What classification do cash payments from operating leases fall under in the consolidated statement of cash flows as of March 31, 2024?", "18cd9664-9596-44bb-b19e-92bee09da465": "How does the Company determine the initial lease liability for its operating leases?", "30da6477-dd70-49d1-b178-c6a745c0c47c": "What factors are considered by the Company when estimating its collateralized incremental borrowing rate for lease liabilities?", "2102ea46-9869-4f4a-b06d-e8c6aec95993": "Under what circumstances are options to renew or terminate a lease included in the determination of ROU assets and lease liabilities?", "dad26175-bc30-440d-8f96-99705857dc2b": "How are variable lease payments that depend on an index or rate treated in the calculation of ROU assets and lease liabilities?", "ff4fc581-549f-4904-8c5f-e656ca3b10a0": "What happens to variable lease-related payments that do not depend on an index or rate?", "0a956b7a-a795-4cde-8956-b42b0318924b": "How does the Company evaluate ROU assets for impairment?", "ba8f1254-f6c4-41c6-ac7e-5d07f575d7fd": "What components are included in the initial measurement of the ROU asset?", "50f42eb2-cda4-44a4-bcec-df1eaa5b6cc4": "As of March 31, 2024, how many finance leases does the Company have?", "df6ba9ce-a5f9-42a1-bf9a-5508c6164817": "What types of leases does the Company primarily engage in, according to the document?", "4e4cd909-7aa6-49cf-9bc7-c7c0c797dc5c": "What accounting policy did Booz Allen Hamilton elect regarding short-term leases under ASU 2016-02?", "63cb1284-7c73-412a-8d30-199ce4384ead": "How does the Company recognize lease expense for leases with an initial term of 12 months or less?", "bdc2e3bb-0c90-4c40-9cb6-3274764d942b": "What considerations does management take into account when determining the need for a valuation allowance on deferred tax assets?", "2ec8ae3c-efa8-4267-80d3-c714c0a59232": "How are uncertain tax positions evaluated by the Company in relation to examination by tax authorities?", "673c7ef1-a8f5-478a-8930-50d38d3316b8": "What components are included in the accumulated other comprehensive income as of March 31, 2024, for Booz Allen Hamilton?", "40cfa4e9-a524-4f55-9990-4f609c3ab761": "How is stock-based compensation expense recognized for time-vested awards according to the document?", "3f8a763a-fc2f-4341-bcfd-aac6ceeddf04": "What model does the Company use to determine the fair value of its option awards at the time of grant?", "1aa4b204-afe4-400c-92fe-e3c2941b9d6f": "How does Booz Allen Hamilton account for lease components and non-lease components under Topic 842?", "2c901535-735e-4e3a-b300-e4af0b4be06c": "What is the treatment of penalties and interest related to uncertain tax positions in the Company\u2019s financial statements?", "269a536e-c680-497a-bb9e-cbfabd4673aa": "How does the Company recognize the underfunded status of defined contribution plans and other post-retirement benefits on its balance sheets?", "6fef7b31-8d5f-45c3-aea1-bf2c8d3ce8a9": "How is stock-based compensation recognized in the consolidated statements of operations according to the document?", "e2e89018-15a4-429a-9b12-c6fd84cfeb3d": "What model does the Company use to determine the fair value of its option awards at the time of grant?", "57d4954b-9cac-4c62-a142-a4572e9f45cd": "How does the Company estimate forfeitures for stock-based compensation during the vesting period?", "84578555-5d0f-4a67-b03d-ab5ea9be7575": "What is the treatment of gains and losses related to defined contribution plans on the consolidated balance sheets?", "a58d5f7a-812a-4633-99e6-629c2698ad34": "How are performance awards accounted for in terms of expense recognition over the vesting period?", "6880df98-0747-47f0-a248-e5a38fea2121": "What is the significance of the measurement date in relation to the Company\u2019s defined contribution plans and other post-retirement benefits?", "b1a66906-c99c-42f1-91de-aba4b6a54f00": "How are prior service costs and credits recognized in the Company\u2019s financial statements?", "f04e3df8-d6c9-413e-9cf3-d4a3bf56748d": "What method is used to recognize the expense for time-vested awards in stock-based compensation?", "0575e149-7134-40f1-bace-b29867d40790": "In what section of the balance sheet are the underfunded statuses of defined contribution plans recorded?", "711db426-8081-4c47-8a81-2104f4fc0cde": "How does the Company handle the amortization of accumulated other comprehensive loss related to post-retirement benefits?", "6215c549-4930-45cd-9dfc-611746bbdcf3": "What types of medical insurance plans does Booz Allen Hamilton maintain?", "79174a5a-ee99-451b-b53e-ac21d37ce9cb": "How does the Company estimate the incurred but unreported claim liability for its self-funded medical plans?", "acc6fb71-9c30-4afe-813b-d967ac858528": "What is the three-tier value hierarchy established for fair value measurements according to the accounting standard?", "9b9b7188-4b7d-450d-a813-5939ed71911e": "What criteria does Booz Allen Hamilton use to evaluate its investments in variable interest entities?", "58efb92c-27f0-4f8a-a3be-c5c1abe5286b": "As of March 31, 2024, what was the total value of equity and other investments related to unconsolidated entities included in the Company\u2019s consolidated balance sheet?", "f6d144c2-b100-4550-bb50-ab5eb5e34e58": "What recent accounting pronouncement did Booz Allen Hamilton adopt early, and what is its main focus?", "2196a54f-783d-4fa6-bc91-3c9eb52ed120": "How does the Company account for investments in entities over which it does not have significant influence?", "b4e1984d-a871-4f87-b23f-05a678b5a34d": "What are the key components included in Booz Allen Hamilton's self-funded plans?", "b652b2a6-8af0-4ba8-be34-6229c34ffe0b": "What is the significance of Level 3 inputs in the context of fair value measurements for Booz Allen Hamilton?", "fd3491ac-0c0a-4110-b1c3-26d12b397183": "When did Booz Allen Hamilton adopt the amendments of Topic 805, and what is the main effect of these amendments?", "a9d8cf09-f7e1-4998-a88b-9ef0cca7385f": "What is the purpose of ASU 2020-04, Reference Rate Reform (Topic 848), as issued by the FASB in March 2020?", "11fc8207-d3d6-4c27-a1f9-a9632f90dbb7": "How did Booz Allen Hamilton modify its interest rate swap agreements in the first quarter of fiscal 2024?", "e6423f1e-1dd9-4461-86c0-5aec1e8be285": "What impact did the adoption of Topic 848 have on Booz Allen Hamilton's consolidated financial statements and disclosures?", "0263f932-7799-466f-87ff-6430a985334e": "When is ASU 2023-07, Segment Reporting (Topic 280), effective for public entities?", "5806ee52-f14e-4080-b94a-a9f41a9f0790": "What are the key enhancements introduced by ASU 2023-07 regarding segment reporting?", "d430808c-d441-410e-848b-d9385c418e71": "How does Booz Allen Hamilton disaggregate its revenue from contracts with customers?", "a01d9ff5-cceb-439b-a315-21759f650894": "What accounting expedients did Booz Allen Hamilton elect under Topic 848 regarding its interest rate swaps?", "64ae63ca-28e9-479b-afd7-e2b10fcf676d": "What is the significance of transitioning from LIBOR-indexed to Term SOFR-indexed interest payments for Booz Allen Hamilton?", "30854c80-6704-42fd-9954-01bbb1ceed4f": "What does Booz Allen Hamilton expect regarding the material impact of recent accounting pronouncements on its financial statements?", "e4f96398-ba9b-4c37-8dea-da9e26edbf41": "How does Booz Allen Hamilton categorize its revenue disaggregation, and why is this categorization important?", "22cd9f69-3632-491c-a091-0e60c24cc18a": "What is the expected impact of the recent accounting update on the Company's consolidated financial statements?", "03804329-a5b8-4040-a4dc-8cf28f1b00c3": "How does the Company disaggregate its revenue from contracts with customers?", "31f6882e-5928-4e4a-ab8a-4bc82c4020f3": "What percentage of total revenue in fiscal year 2024 came from cost-reimbursable contracts?", "30d4631b-7a09-4ad6-86f6-25b2a429faba": "In which fiscal year did the Company report the highest total revenue?", "aa22873a-d031-4de3-b325-de51b3783304": "What are the three types of contracts mentioned in the revenue disaggregation?", "e9905557-93c5-458c-9d7c-d42386aa7450": "What was the total revenue for the Company in fiscal year 2023?", "ca709828-7276-4e23-8a0c-acca5cf56a70": "How does the Company categorize its revenue to reflect economic factors?", "40b1a88e-e671-4fc0-86ca-b18b2cc3b590": "What is the trend in revenue from time-and-materials contracts from fiscal year 2022 to 2024?", "f15ac6fb-3450-4884-bcc5-87ce26462527": "Are the recent accounting pronouncements expected to affect historical financial statements materially?", "70926461-f7d6-41ff-8304-ebe5b1480c6c": "What was the percentage of revenue from fixed-price contracts in fiscal year 2022?", "af20d407-e635-4f5d-8132-4a0e1de3a536": "What was the total revenue for Booz Allen Hamilton for the fiscal year ended March 31, 2024?", "6c5afafb-87d8-493d-905b-51255d31ff3f": "How much revenue did Booz Allen Hamilton generate from U.S. government defense clients in fiscal year 2023?", "404ff728-7370-489c-b7c4-02c05c156685": "What percentage of Booz Allen Hamilton's total revenue in fiscal year 2024 came from global commercial clients?", "782b801c-f62a-4e68-b532-8c1b602765c7": "As of March 31, 2024, what is the expected percentage of remaining performance obligations that Booz Allen Hamilton anticipates recognizing as revenue over the next 12 months?", "899a95c6-047b-4f0a-be18-e26e79e7a482": "What were the contract liabilities recognized by Booz Allen Hamilton on April 1 for fiscal years 2022, 2023, and 2024?", "b222baa4-3868-4623-abbf-addfeadec0e1": "How does Booz Allen Hamilton classify its revenue based on whether it acts as a prime contractor or a sub-contractor for the fiscal year ended March 31, 2024?", "4ce2210c-f7e7-4397-a5f9-730af9c8ec6f": "What was the allowance for credit losses recognized by Booz Allen Hamilton for fiscal year 2024?", "0ccb0684-f347-49e9-a506-847e035fe6be": "How much did Booz Allen Hamilton report in accounts receivable\u2013unbilled (contract assets) as of March 31, 2024?", "2a0adb33-3f6c-4434-8058-3bfc9b270da4": "What is the difference in total accounts receivable, net, between March 31, 2024, and March 31, 2023?", "853a61c0-bcbf-4f1d-bf99-633aee18b711": "How does Booz Allen Hamilton calculate diluted earnings per share (EPS)?", "34dd62da-7824-45a9-bd43-7df5dac7d379": "What type of stock does Booz Allen Hamilton currently have outstanding, and what rights do holders of unvested restricted shares have regarding dividends?", "a0975ca9-4de8-4856-bc01-393aea59dd32": "How is earnings per share (EPS) calculated for Booz Allen Hamilton, and what method is used for this calculation?", "b3743f08-6db6-4509-91de-9f0166d493dc": "What were the earnings for basic and diluted computations for Booz Allen Hamilton for the fiscal year ended March 31, 2024?", "8cd3672c-a215-484d-9d14-5910ae5c81a7": "How many shares of participating securities were paid dividends during fiscal years 2022, 2023, and 2024, and what were the total dividends paid for each year?", "ae0ff67c-4c96-4193-bd71-1a098aaba182": "What was the total amount Booz Allen Hamilton paid for the acquisition of EverWatch Corp., and how was this acquisition funded?", "2c6b3e94-d749-4ca4-8218-945ba31e62af": "What intangible assets were recognized by Booz Allen Hamilton as a result of the acquisition of EverWatch, and what method was used to value these assets?", "78205f32-1406-4a57-8fe7-39932cab8a2c": "What is the estimated useful life over which the intangible assets from the EverWatch acquisition will be amortized?", "9c8da385-1576-4023-922e-8aa1758ba508": "How much goodwill was recognized from the acquisition of EverWatch, and what are the primary reasons for this goodwill?", "58744f62-2cef-4d09-bc96-3740a0caa424": "What impact did anti-dilutive options have on the calculation of diluted EPS for Booz Allen Hamilton during the periods presented?", "6ad439bf-5fbc-47ea-912c-45dca3592404": "What were the undistributed earnings allocated to the participating class of securities for fiscal years 2022, 2023, and 2024?", "0b4300ec-a2b0-4f81-82ce-abc8702aa2ae": "What was the total cash consideration paid by Booz Allen Hamilton for the acquisition of EverWatch?", "02294c89-9f25-4652-9b65-bea581788e96": "How much goodwill was recognized as a result of the acquisition of EverWatch?", "0da8b5f7-9c21-4431-b267-c7787b8496cd": "What assets were included in the purchase price allocation for the EverWatch acquisition?", "18966d66-1c33-43b3-87e7-b52eb9e3e323": "What was the pre-tax gain recognized by Booz Allen Hamilton from the divestiture of its MENA management consulting business?", "19bd89b2-7da2-423d-91c8-98f1ef56f4f3": "On what date did Booz Allen Hamilton complete the divestiture of its Managed Threat Services business?", "6c208a3d-294d-4796-b41b-6b9757724883": "What method of accounting was used for the acquisition of EverWatch by Booz Allen Hamilton?", "bf624402-65f7-4c68-8009-7fd7118ad387": "Why were pro forma results of operations not presented for the acquisition of EverWatch?", "5ffce01e-f97b-4b4f-b4a5-06a7f394ab6a": "What liabilities were de-recognized by Booz Allen Hamilton as a result of the divestiture of the MENA business?", "353fc3dc-aa24-4fc5-abf9-139776f6156b": "How much was the pre-tax gain recognized from the divestiture of the Managed Threat Services business?", "dc578467-1fcf-4efc-b96b-61eeee29a704": "What type of assets and liabilities were involved in the divestiture transactions mentioned in the document?", "bd15dc0c-55e0-43ee-a05f-60d358ad1c9e": "What was the pre-tax gain recorded by Booz Allen Hamilton from the deconsolidation of the artificial intelligence software platform business in fiscal 2023?", "938b76cd-472a-4d94-89b9-ddee9bf504ba": "As of March 31, 2024, what was the total carrying amount of goodwill reported by Booz Allen Hamilton?", "12376778-66f1-4e29-8d52-a653ddf5f3ab": "How much did Booz Allen Hamilton write off as a pre-tax loss related to its investment in the artificial intelligence software platform business in fiscal 2024?", "0e4dd303-8995-48f2-8089-ded904b47400": "What were the gross carrying values of amortizable intangible assets for Booz Allen Hamilton as of March 31, 2024?", "b655d532-ecf8-4b1c-abc7-a77d67feffb8": "What is the range of amortization periods for programs and contract assets, channel relationships, and other amortizable intangible assets at Booz Allen Hamilton?", "bd67cc10-4be3-4e71-a29e-32177336e5e8": "Did Booz Allen Hamilton identify any impairment in its goodwill during the annual impairment tests conducted on January 1, 2024, and 2023?", "f5e5be65-a382-4f24-8c35-c773658f422e": "What was the accumulated amortization for software intangible assets as of March 31, 2024?", "9c78b648-c00f-422e-af52-407b67b15a3f": "How much was the amortization expense for Booz Allen Hamilton in fiscal 2022?", "c6ec680e-0002-4c93-af78-16a0e66adbc7": "What adjustment contributed to the decrease in the gross carrying value of amortizable intangible assets (excluding software) in fiscal 2024?", "b25dd1ea-ad04-451e-b4da-3120e8bf4e9f": "What was the net carrying value of unamortizable intangible assets related to the trade name as of March 31, 2024?", "f7c638a6-cf11-442f-ac40-1027441353dc": "What is the total estimated amortization expense for Booz Allen Hamilton Holding Corporation for the fiscal year ending March 31, 2025?", "3a9d707c-7f25-4436-8af6-379dbae7bb9e": "How much did Booz Allen Hamilton Holding Corporation reduce the gross cost and accumulated depreciation and amortization by during fiscal 2024 for zero net book value assets?", "1c9dfc0a-e4ef-4edb-9acb-ef0693492565": "What were the components of property and equipment, net, for Booz Allen Hamilton Holding Corporation as of March 31, 2024?", "a2ff60b2-e419-4eed-9d44-efba90bdd6e4": "What is the amount of accrued expenses related to the provision for claimed indirect costs as of March 31, 2024?", "a13e1520-efb2-4c8d-837b-93cb450691f3": "How much did the accrued compensation and benefits total for Booz Allen Hamilton Holding Corporation as of March 31, 2023?", "5c6c89bb-6723-4170-a42a-e5d81fb0b511": "What was the amount of vendor payables for Booz Allen Hamilton Holding Corporation as of March 31, 2024?", "e10ace2d-7892-4668-a67d-b55502af1929": "What significant reserve was included in accrued expenses at March 31, 2023, and what was its amount?", "0ddeb342-5fed-4f46-bef9-4e566513a5b1": "How does the depreciation and amortization expense for fiscal 2024 compare to that of fiscal 2023 for Booz Allen Hamilton Holding Corporation?", "a1b5e326-870b-4f3e-87fc-12b60a90436e": "What is the breakdown of accrued compensation and benefits for Booz Allen Hamilton Holding Corporation as of March 31, 2024?", "99b9d4f4-065b-4860-904e-63269376fdc2": "What was the total property and equipment, net, for Booz Allen Hamilton Holding Corporation as of March 31, 2024?", "a45848c7-64f6-431f-a984-42e3c70b5a31": "What was the outstanding balance of Term Loan A for Booz Allen Hamilton as of March 31, 2024?", "2f551e1e-1301-4615-8229-9efca7482076": "What interest rate is associated with the Senior Notes due 2029 for Booz Allen Hamilton?", "d5363360-9e29-48e2-b9f8-66660b461508": "What changes were made to the Credit Agreement on July 27, 2023, under the Tenth Amendment?", "4211c4ea-401b-453c-b982-f0ac57f27d25": "How much was the revolving credit facility available to Booz Allen Hamilton as of March 31, 2024?", "ff3df78c-1089-4245-b8be-d5434d8749c3": "What is the maturity date of the Term Loan A and the Revolving Commitments according to the document?", "53dd3b8e-ce0f-4bce-ac83-4031ad80af2e": "What was the total long-term debt, net of current portion, for Booz Allen Hamilton as of March 31, 2024?", "eff66daa-29e1-457a-9ef9-db530ad493bb": "What security was released in connection with Booz Allen Hamilton obtaining investment grade ratings from Moody's and S&P?", "9917e114-530a-4e83-a2c5-b37d214cd6ba": "How did the Tenth Amendment affect the requirement for guarantees under the Amended Credit Agreement?", "484a3c30-6a84-48c5-a6e7-08dabf9e647d": "What was the interest rate on the Senior Notes due 2033 for Booz Allen Hamilton?", "ba4019b0-15ce-4239-a786-f662e790ac6b": "What was the amount of unamortized debt issuance costs and discounts on debt as of March 31, 2024?", "bfeb440b-4f5e-46dd-94eb-2df15367ec3c": "What changes were made to the guarantees in respect of the Existing Credit Agreement following the Amendment?", "06b278e1-2afe-4e6b-8a8c-5fb43fa63835": "Did the Amendment affect the terms related to amortization or payments in the Credit Agreement?", "d1e86fdc-283c-4d04-9cc1-a84b895b7c8e": "What is the purpose of the Guarantee Agreement entered into by the Company on the Tenth Amendment Effective Date?", "483ac645-e775-409e-b5cf-7f5a9c9db22a": "Under what conditions does the Company guarantee the obligations of Booz Allen Hamilton in the Guarantee Agreement?", "d51fbf48-def0-48c5-9602-8d1f0d8863c9": "What option does Booz Allen Hamilton have regarding its domestic subsidiaries in relation to the Guarantee Agreement?", "73f47b26-ac8c-4cef-ac54-c2cacaa32bf4": "How is Term Loan A amortized during the first two years following the Ninth Amendment Effective Date?", "247a5e94-d1d8-4dd4-a25d-d6d1a1f56ec5": "What percentage of the stated principal amount of Term Loan A is amortized after the two-year anniversary of the Ninth Amendment Effective Date?", "4523d8d5-ce08-4c43-bb4a-16291df58d15": "When is the remaining balance of Term Loan A due for payment?", "65dd3575-a700-471e-ae77-45d026b72ef6": "What is the significance of the Tenth Amendment Effective Date in the context of the Amendment and Guarantee Agreement?", "f5ed8ec8-b209-43f3-a451-1984e55d24fb": "How does the amortization schedule for Term Loan A change after the two-year anniversary of the Ninth Amendment Effective Date?", "9b71b77c-2328-4cda-9f04-71fb1b7f3f9b": "What interest rate benchmarks are used for Term Loan A and the Revolving Loans at Booz Allen Hamilton?", "b7bf7d85-936f-4992-aef7-715171491e19": "How much did Booz Allen Hamilton borrow under its Revolving Credit Facility for working capital needs during fiscal 2024?", "6208831d-715c-4ec7-a850-60373554eb26": "What is the range of the applicable margin for Term Loan A and the Revolving Loans based on the consolidated total net leverage ratio grid?", "c1d14c50-92e0-4650-a12c-133c19915b13": "As of March 31, 2024, what was the aggregate notional amount of interest rate swaps held by Booz Allen Hamilton?", "62d7d2ae-50f0-43ae-99a5-cfd290bac28e": "What financial covenants must Booz Allen Hamilton meet at each quarter end according to the Credit Agreement?", "f439bfdd-c3b3-42b7-aa8a-fe3565490279": "When did Booz Allen Hamilton issue its 5.950% Senior Notes due August 4, 2033, and what was the aggregate principal amount?", "789f2ac3-1b74-4805-8e66-7c6bd8fbefe7": "What were the total interest payments made on Term Loan A for the fiscal year ended March 31, 2024?", "32e2c15f-b8f8-4e3d-a9ad-5d6792bd544d": "What fees are associated with unused New Revolving Commitments for Booz Allen Hamilton?", "72d1f8a2-57da-4ac3-9c98-2ebf34634933": "How does Booz Allen Hamilton aim to reduce volatility in its interest payments?", "98beb1ee-5b2a-4cec-bb0f-6532705d3bb3": "As of March 31, 2024, was Booz Allen Hamilton in compliance with its financial covenants associated with its debt?", "8c11e45c-876c-4ce5-ab4e-96648ee5783d": "What was the aggregate principal amount of the Senior Notes due 2033 issued by Booz Allen Hamilton on August 4, 2023?", "6e5c108b-1e74-43fc-bc6c-40f2b36df243": "Who is the trustee for the Senior Notes due 2029 issued by Booz Allen Hamilton?", "cd33dcc2-399a-4b03-be68-d47e384d98e0": "What is the interest rate of the Senior Notes due 2033?", "5049c2ba-fcf3-4a33-9057-4db2ecd3a32a": "What financial covenants was Booz Allen Hamilton in compliance with as of March 31, 2024, and March 31, 2023?", "e8002a50-a796-4b27-a827-fc2d4d45d46b": "What was the purpose of the net proceeds from the sale of the Senior Notes due 2029?", "72e18fff-9bdc-4a17-aaaa-f4ac25cf08c9": "How do the Senior Notes due 2033 rank in relation to Booz Allen Hamilton's other unsecured and unsubordinated indebtedness?", "9bb3f500-efaf-4f93-9ff0-caf7fa7eff07": "When were the Senior Notes due 2029 issued by Booz Allen Hamilton?", "9dd428ca-612c-4146-a5f4-2e873bc76fbf": "Who guaranteed the Senior Notes due 2033 issued by Booz Allen Hamilton?", "dbba06b5-ae4c-445b-9011-b4c1d9a893d3": "What type of indebtedness are the Senior Notes due 2029 classified as?", "a279750a-aaa9-473d-8dc8-706a4f4d2c09": "What company did Booz Allen Hamilton acquire using the proceeds from the Senior Notes due 2029?", "aade46b6-ba6c-4ee6-8a2a-b368186df258": "What is the principal amount of the Senior Notes due 2028 issued by Booz Allen Hamilton?", "c52606cd-88e3-4380-8b3c-a98f839d12f2": "When is the maturity date for the Senior Notes due 2029?", "a3393cf5-652b-40a9-ab05-06a945b55cc1": "What interest rate is associated with the Senior Notes due 2033?", "5e3ea62c-878a-4a85-ae3d-8809a5014622": "How often is interest payable on the Senior Notes issued by Booz Allen Hamilton?", "8df867ed-c6fd-40f4-b670-1a6392b04edb": "What are the names of the rating agencies that provided investment grade ratings for Booz Allen Hamilton's Senior Notes?", "0f6d95bc-6e74-41f3-b665-cb7b6821c033": "What are the two options for redeeming the Senior Notes due 2033 prior to May 4, 2033?", "71a07658-0a4e-4ef2-b7ad-6e8078e8e221": "What is the total amount of issuance costs for the Senior Notes due 2028?", "0e84a0bf-c6be-4624-87f9-c866ca59eb3f": "What happens to the negative covenants in the indentures governing the Senior Notes 2028 and 2029 after obtaining investment grade ratings?", "1c46a044-3867-48b4-95a7-b21e57c64fa2": "Who acts as the trustee for the Senior Notes issued by Booz Allen Hamilton?", "baa0a0b9-7736-4c6d-8b1e-48acbf4994c1": "What is the redemption price for the Senior Notes due 2033 after May 4, 2033?", "ed702c09-24a3-4f39-9a43-f88ea749b0f9": "What is the redemption price for the Senior Notes 2033 if Booz Allen Hamilton redeems them on or after May 4, 2033?", "e52acb58-eff6-48be-96db-781a115e1bd1": "What conditions must be met for Booz Allen Hamilton to redeem up to 40% of the original aggregate principal amount of the Senior Notes due 2029 prior to July 1, 2024?", "f07e2507-851e-4c3a-b522-40abaafdfff3": "At what price can Booz Allen Hamilton redeem the Senior Notes due 2029 on or after July 1, 2025?", "a42d4d8d-edf9-41c0-93c7-cf7364ffe8d8": "What is the applicable \"make-whole premium\" for redeeming the Senior Notes due 2029 before July 1, 2024?", "bc7e1093-2672-44c1-9642-7ee2e672ad42": "When can Booz Allen Hamilton redeem the Senior Notes due 2028 at a price equal to 100.969% of the principal amount?", "48caed2c-01cf-4998-951b-9b747df695a6": "What is the minimum percentage of the original aggregate principal amount of the Senior Notes due 2029 that must remain outstanding after a redemption?", "a251ae37-2358-4c36-8c63-48138697fe08": "How does the redemption price for the Senior Notes due 2029 change over time according to the document?", "52cf00d7-e71c-403c-aa03-408bf5e45d7e": "What is the redemption price for the Senior Notes due 2028 on or after September 1, 2025?", "806d4c12-ee9c-4971-bd91-eeca9e965d1d": "What is the timeframe within which Booz Allen Hamilton must redeem the Senior Notes due 2029 using net cash proceeds from equity offerings?", "776507f1-8353-4a50-b642-5f0586957b0c": "What interest is included in the redemption price for the Senior Notes being redeemed by Booz Allen Hamilton?", "89795e6e-c9e7-4c60-9db0-da8d6bbf5c6f": "What is the total amount of debt repayments scheduled by Booz Allen Hamilton Holding Corporation as of March 31, 2024?", "61bde5c2-211d-4013-8e62-4789ee11e5c4": "How much interest expense did Booz Allen Hamilton incur for Term Loan A in the fiscal year ended March 31, 2024?", "5b9b296e-8499-4c0d-9fc1-08ad3658f632": "What are the maturity dates for the interest rate swap derivative contracts mentioned in the document?", "5e83e0c9-d5cc-48df-8b82-f74dea979c96": "How does Booz Allen Hamilton manage its exposure to interest rate movements according to the document?", "241dbf9c-706f-45a6-9450-95a9faf03d97": "What is the notional amount of the interest rate swap contracts that were effective as of March 31, 2024?", "ca8e1664-f388-4dc3-b734-b48b037f6c01": "What financial instruments does Booz Allen Hamilton use to manage interest rate risk related to its variable rate debt?", "f7156970-9052-467c-88e1-f7d75971fbfd": "How much interest expense was recorded for Senior Notes in the fiscal year ended March 31, 2023?", "87cff7b3-74a8-42f7-806f-96328089d514": "What is the purpose of amortizing Debt Issuance Cost (DIC) and Original Issue Discount (OID) for the Term Loans and Senior Notes?", "8340462d-d1c1-424f-9649-145dfb04ae0a": "What transition did Booz Allen Hamilton make regarding its swap agreements in the first quarter of fiscal 2024?", "b1d3a0b2-0676-408e-9c67-1ed5b6fa041f": "What was the total interest expense for Booz Allen Hamilton in the fiscal year ended March 31, 2022?", "2669bc72-51eb-47d7-b451-e746b02ddd66": "What amounts were classified as other current assets and other long-term assets for derivative instruments as of March 31, 2024?", "a37ab8df-546a-42eb-8c72-c9e2809a4465": "How does the Company account for changes in the fair value of interest rate swaps designated as cash flow hedges?", "53e7733b-dcea-4e88-b3a4-6c1bd6d067a0": "What was the total operating lease cost for the fiscal year ended March 31, 2024?", "426edc39-1d5e-4680-802f-af6807805b3e": "What is the estimated amount that will be reclassified as a decrease to interest expense over the next 12 months?", "78deb3f1-c58b-42f6-96ed-27e3b41694af": "How does the Company mitigate credit risk associated with its interest rate swap derivative contracts?", "663252c9-674e-43c9-aacf-bfd7b0c3f2c3": "What were the amounts of gain recognized in Accumulated Other Comprehensive Income (AOCI) on derivatives for the fiscal year ended March 31, 2024?", "caf69a56-0fb0-46a7-abc0-5632ac682f2b": "In which section of the consolidated financial statements is the Company's total lease cost recorded?", "d2b36c03-a9e9-4bbb-a032-8c23e168e174": "What were the short-term lease costs for the fiscal years ended March 31, 2023, and 2024?", "a6f130aa-dd2e-4f62-96b6-23f4566dea8c": "What is the significance of the reclassifications from AOCI to net income in relation to interest rate swaps?", "ff38d310-9735-490a-9087-bb9c78c8e0d3": "How did the Company's operating lease costs change from fiscal year 2022 to fiscal year 2024?", "acfe42bd-bc8b-444f-a18d-bcd0e9be869c": "What are the total future lease payments for Booz Allen Hamilton as of March 31, 2024?", "1b17b816-80eb-4031-beef-ee6ed6a901d0": "How much cash was paid for lease liabilities in the fiscal year ended March 31, 2024?", "ff657e47-c223-49c2-8ef5-b2c2095867f6": "What is the weighted average remaining lease term for Booz Allen Hamilton as of March 31, 2024?", "f91e52db-d48c-43bb-8a6e-c15a5d7d564d": "What was the total income tax expense for Booz Allen Hamilton for the fiscal year ended March 31, 2024?", "04b7b2dc-a57a-4ec5-8710-ed529076401d": "How much did Booz Allen Hamilton pay in U.S. Federal current income taxes for the fiscal year ended March 31, 2024?", "74c51370-458d-406b-9fae-ef3ec437a8bc": "What is the weighted average discount rate for leases as of March 31, 2024?", "9362e350-252c-49d9-9c01-ca665710b12b": "How much did Booz Allen Hamilton report as deferred income tax for state and local taxes in the fiscal year ended March 31, 2023?", "7aed99ac-3d21-40a0-aa3c-d20ec6e5d771": "What were the operating lease payments for the fiscal year ending March 31, 2026?", "0f708620-81a4-41af-8eed-b19c39f7831e": "How much did Booz Allen Hamilton incur in operating lease liabilities arising from obtaining ROU assets in the fiscal year ended March 31, 2024?", "771ad4cf-4b9d-4dc8-a339-d18bd7189e7a": "What is the difference in total current income tax expense between the fiscal years ended March 31, 2023, and March 31, 2024?", "283bdfa5-38b9-4832-950d-d191adab32f3": "What was the income tax expense computed at the U.S. federal statutory rate for Booz Allen Hamilton for the fiscal year ended March 31, 2024?", "a8c578b4-e7ac-46fa-a8d7-a5b9dae3cc6a": "How did state and local income taxes affect the income tax expense for Booz Allen Hamilton in the fiscal year ended March 31, 2023?", "51c1a21a-1868-46e5-974a-ed11761d5b10": "What is the classification of current income tax receivable on Booz Allen Hamilton's consolidated balance sheet?", "6464c3e8-4a22-4b57-89bd-c985f42b07d1": "What amount did Booz Allen Hamilton report as long-term income tax receivable for the fiscal year ended March 31, 2024?", "0e745be8-3665-465b-8102-83f4cf1076de": "What are the implications of the ongoing IRS audits for Booz Allen Hamilton's U.S. federal return refund claims?", "6b9e943a-5885-46f2-8d58-257ec80723a5": "How much did Booz Allen Hamilton report in excess tax benefits from stock-based compensation for the fiscal year ended March 31, 2022?", "c7bebcda-d445-4bcf-8795-1de308d82000": "What is the total income tax expense from operations for Booz Allen Hamilton for the fiscal year ended March 31, 2024?", "51b82edd-62b4-4b27-98a8-096398880b57": "What types of expenses are included in the non-deductible expenses category for Booz Allen Hamilton?", "68bf0ae1-b518-40de-bde3-1ef06899d81b": "How did changes in uncertain tax positions impact Booz Allen Hamilton's income tax expense in the fiscal year ended March 31, 2023?", "30b85eca-6d8c-405e-bdb7-91fbe0db6ebc": "What amount did Booz Allen Hamilton report as current income tax payable for the fiscal year ended March 31, 2023?", "417c049c-29d6-467a-b659-d69f946ec8bb": "What are the significant components of Booz Allen Hamilton's deferred income tax assets as of March 31, 2024?", "fc350070-c1bf-41d2-87ce-63fff85e106d": "How much did Booz Allen Hamilton report as total gross deferred income tax assets for the year ending March 31, 2023?", "07e893d6-0b91-420f-94f4-30b76eb87674": "What is the valuation allowance amount for deferred tax assets as of March 31, 2024?", "92ceeb55-9bf1-40c6-82bb-dd9460803a8e": "What are the federal, state, and foreign net operating loss carryforwards available to Booz Allen Hamilton as of March 31, 2024?", "1bf33928-9828-4839-a12a-a10f077e69e7": "How does Booz Allen Hamilton determine the realizability of its deferred tax assets?", "78d6790e-8fc7-4acc-b017-01855ef78743": "What amount has Booz Allen Hamilton recorded for uncertain tax positions as of March 31, 2024?", "15f56fa2-2e0a-485f-81e4-ec77c905c39c": "What potential tax benefits are included in the reserves for uncertain tax positions for Booz Allen Hamilton as of March 31, 2023?", "cef19e22-8230-4c0d-95c2-bd05e82ec0d3": "How are the reserves for uncertain tax positions reflected in Booz Allen Hamilton's consolidated balance sheet?", "74065b41-107b-49e1-9b7e-f4981f852950": "What factors does Booz Allen Hamilton consider when evaluating its uncertain tax positions?", "8d35157b-b148-4a04-a7e8-5a79a52fed59": "What was the total net deferred income tax asset reported by Booz Allen Hamilton for the year ending March 31, 2023?", "4278a168-1424-432f-814a-2ddaf9099c5c": "What was the beginning amount of potential tax benefits for Booz Allen Hamilton as of March 31, 2024?", "c54cb882-ce73-4473-82bc-3421d7fb7f8a": "How much did Booz Allen Hamilton recognize in accrued interest and penalties related to uncertain tax positions for fiscal 2024?", "8a43f0f0-474c-48b1-8b4c-4bc75c62f73f": "Which tax years are currently open and subject to examination by federal tax authorities for Booz Allen Hamilton as of March 31, 2024?", "50037b55-2a35-48d1-8aad-a6bf8255e19b": "What significant change regarding research and development expenditures occurred in fiscal 2023 for Booz Allen Hamilton?", "01744a20-2469-4206-8620-058eaff22acf": "What was the outcome of the District of Columbia Court of Appeals ruling related to Booz Allen Hamilton's contested tax assessments for fiscal years 2013 through 2015?", "d226eac3-04d4-4cf7-94eb-9959a627fee5": "How much income tax expense was recorded in fiscal 2024 due to the unfavorable ruling from the District of Columbia Court of Appeals?", "cce11aca-dfed-4848-9cff-c68d2c227540": "What is the maximum annual matching contribution percentage that Booz Allen Hamilton provides to its Employees\u2019 Capital Accumulation Plan (ECAP)?", "05669b80-8763-498b-9915-97f34f4bad53": "What specific section of the Tax Cuts and Jobs Act of 2017 relates to the capitalization of research and development expenditures for Booz Allen Hamilton?", "cb9a05ec-363a-4299-a3ca-7a342c11e0ab": "How much did Booz Allen Hamilton pay in incremental cash taxes in the fourth quarter of fiscal 2024 related to amended tax returns?", "8588b929-2e48-4b10-87cf-bdadf2c736ce": "What was the ending amount of potential tax benefits for Booz Allen Hamilton as of March 31, 2024?", "28c540f9-2b26-41b5-8cda-2d4047f203b7": "What is the total amount of incremental cash taxes paid by the Company in the fourth quarter of fiscal 2024 related to the litigation?", "9e5e15da-0ef5-4f35-94c9-57c68f7478be": "How much did the Company recognize as total expense under the Employees\u2019 Capital Accumulation Plan (ECAP) for fiscal year 2023?", "70444d8c-f9a3-4c6e-9f8b-eaff18f09cb4": "What percentage of eligible annual compensation does the Company match in the ECAP?", "638e3432-c30e-419f-b9dc-8291a0d7ffb2": "What is the name of the medical indemnity insurance plan that provides postretirement healthcare benefits to former officers?", "b696079f-38c2-477f-a13a-3067340fe923": "How much did the Company pay in contributions to the ECAP for fiscal year 2022?", "d84d5c8e-d1bb-475b-800f-1d8c684de83a": "What is the total amount of settlements with taxing authorities that was previously paid by the Company?", "a0d1f0fa-cf96-4a48-a8c4-dc5634f0426d": "How does the Company account for the changes in the funded status of its defined benefit plans?", "18427104-fb75-4b43-8415-b3682875bfdd": "What was the total expense recognized under ECAP for fiscal year 2024?", "e4ec990e-c14e-4817-86d1-b7fc8db3c3df": "What type of benefits does the Officer Medical Plan provide to former officers?", "11b589fc-c216-41ce-bd67-dcad59a4b36a": "What is the significance of Note 15 in relation to the defined benefit plans' funded status?", "34e4cf9e-cf27-4134-b98e-f89c6a1cd90d": "What was the total postretirement medical expense for the Officer Medical Plan in fiscal year 2024?", "5fb82bf6-3d65-4e5a-a029-851b85e94619": "How did the service cost for the Officer Medical Plan change from fiscal year 2022 to fiscal year 2023?", "ac63702f-d73a-4abf-ab3b-893b7e43e195": "What was the weighted-average discount rate used to determine the year-end benefit obligation for the Officer Medical Plan in fiscal year 2023?", "4c747a12-20d9-4424-9b47-110bebfd379e": "What are the assumed healthcare cost trend rates for the Officer Medical Plan for the year ending March 31, 2024, for individuals under 65?", "280a2dcb-a793-4e02-a34a-75b2a887affa": "What was the benefit obligation at the end of fiscal year 2022 for the Officer Medical Plan?", "a5c89937-1ae1-4510-9bc4-35863c7985b7": "How did the net actuarial loss in fiscal year 2024 affect the benefit obligation for the Officer Medical Plan?", "24a6195a-b4a5-4af6-9e8c-71934a76207f": "What was the unfunded status of the Officer Medical Plan as of March 31, 2023?", "07e33983-a778-4a51-93ff-2cf56e4eaa2a": "How much did employer contributions to the Officer Medical Plan amount to in fiscal year 2023?", "e574cdba-231b-463c-8afe-e822bf191bc3": "What factors contributed to the net actuarial gain related to the benefit obligation in fiscal year 2023?", "beca2ac4-65a9-439f-8d87-e8592e085638": "In which section of the consolidated balance sheets is the unfunded status of the Officer Medical Plan included?", "7bbfffa3-94b6-4113-b938-ae48858b3f78": "What is the total expected future medical benefit payments for Booz Allen Hamilton for the fiscal year ending March 31, 2025?", "2836ce03-510d-4f21-ba0d-c82dcc303947": "How much did the accumulated other comprehensive income change for post-retirement plans in the fiscal year ended March 31, 2024?", "a0611a8b-ca76-435b-adec-208d0165da8d": "What were the amounts reclassified from accumulated other comprehensive income for derivatives designated as cash flow hedges in the fiscal year ended March 31, 2023?", "e841e71e-f468-4287-8a91-484655552d30": "What is the net current-period other comprehensive income for Booz Allen Hamilton for the fiscal year ended March 31, 2024?", "3df326f6-6400-42f5-87e3-048638ffb90b": "How much was the tax benefit recorded for changes in other comprehensive income before reclassification for post-retirement plans in the fiscal year ended March 31, 2023?", "1b082622-c73b-4376-a565-df6e169f982b": "What was the beginning balance of accumulated other comprehensive income for derivatives designated as cash flow hedges at the start of the fiscal year ended March 31, 2022?", "a35582f4-20a4-45fe-b224-2e7120a18cae": "What is the total amount of expected future medical benefit payments from 2030 to 2034 for Booz Allen Hamilton?", "576bf0a3-d832-4a14-a82f-3026beb383c5": "How did the net current-period other comprehensive income for the fiscal year ended March 31, 2022, compare to the previous fiscal year?", "857299b1-058f-4456-9a05-843ad9c924ba": "What was the total accumulated other comprehensive income at the end of the fiscal year ended March 31, 2024?", "25387805-66fb-4088-a096-cd319190c306": "What were the amounts recorded as other comprehensive income before reclassifications for derivatives designated as cash flow hedges in the fiscal year ended March 31, 2024?", "788330fa-75ae-4e7c-bbd0-987df5f92728": "What voting rights do holders of Class A Common Stock have in Booz Allen Hamilton Holding Corporation?", "470b3f19-a806-4d18-83e6-7032b64b3486": "How much was the share repurchase program increased by on May 22, 2024?", "6708501f-a90b-4133-b99c-940742609723": "What was the total amount spent by the company on share repurchases during fiscal 2024?", "9b3f76ba-cf00-4978-81ab-327dd7327a99": "How much in recurring dividends was declared and paid during fiscal 2023?", "1fd39981-6633-4e6c-955d-9b9ebcd764a7": "What types of expenses are included in the stock-based compensation recognized in the consolidated statements of operations?", "366fc7b5-fb39-4d58-8e92-1d3e67124bbc": "As of March 31, 2024, what is the total unrecognized compensation cost related to unvested stock-based compensation agreements?", "be29502c-23c7-4178-8eb6-a749c97376cd": "What is the expected amortization period for the unrecognized compensation cost as of March 31, 2024?", "de159cc7-7cdd-455f-8e82-e83696b061b2": "How many shares of Class A Common Stock were purchased by the company during fiscal 2023?", "3519b693-4bdc-4c61-8c63-fabdafb9aee4": "What factors does the special committee of the Board consider when evaluating the share repurchase program?", "d966d12f-adc7-439e-9a0e-f50c39af1e81": "What was the total stock-based compensation expense recognized in the consolidated statements of operations for fiscal 2022?", "a136b278-2d25-4306-839c-4daede6e6de6": "What types of awards can be granted under Booz Allen Hamilton's Equity Incentive Plan (EIP)?", "3633c578-ea04-4500-aeff-15368d11251d": "As of March 31, 2024, how many shares were available for future grant under the EIP?", "865ec021-6050-427e-9283-00f8cef244b3": "What is the vesting period for stock options granted under the EIP?", "3ce90c56-2422-4a1f-a50d-b37ab518ddbb": "How is the annual incentive payment determined under the Annual Incentive Plan (AIP)?", "08feb15b-1ea4-42a6-b97d-ef769db5ab2d": "What is the weighted average grant date fair value of unvested stock options under the EIP as of March 31, 2024?", "50f447e9-f203-4bbf-9bd2-15318275a21b": "What are the vesting conditions for performance-based awards granted during fiscal 2024?", "23932429-ac77-4bb5-866e-72599b511ee0": "How does the Company recognize compensation expense for service-based restricted stock units?", "e35c50c8-8618-41dc-8efd-4296e4612c27": "What is the maximum duration for which stock options under the EIP can remain exercisable?", "2e27219e-3751-43d0-87ae-ba3eb35d9fa0": "How does the Company determine the compensation expense for performance-based awards with market conditions?", "bd684dc5-b1b2-4ea7-8886-726319ce4647": "What is the total unrecognized compensation cost as of March 31, 2024, according to the document?", "d1c09464-9ccf-482b-90dd-511ac6be470f": "What is the vesting period for performance-based awards mentioned in the document?", "d4a59a69-4b81-4b36-8ae8-6a4e1f444776": "What criteria must be met for performance-based awards to vest?", "ae05fafb-8cd6-4be0-92ed-3f0f6ccea778": "How does the Company recognize compensation expense for performance-based awards with market conditions?", "fed63acd-46d2-4d97-81d1-845d47216981": "What model is used to calculate the grant-date fair value of performance-based awards?", "1edb090a-ee3a-45c9-8a23-3cd505c5e0d8": "What type of stock is used to settle the performance-based awards?", "019c537c-b872-4339-a404-184867a8e200": "How is compensation expense for performance-based awards estimated during the performance period?", "351adf72-7ca8-4ed9-9b02-119ef8a3c9ec": "What is the difference between performance-based awards and restricted stock units in terms of vesting?", "57d14c0d-d0f7-4a83-9d4d-5ce43a8ee8ac": "What committee is responsible for certifying the final performance of the performance-based awards?", "c293e91a-34fa-4aee-aa9c-24680118d1c8": "How does the Company account for equity awards under other programs?", "36d6c16c-507c-45b6-ae21-ea4f114580f3": "What additional conditions are included in the performance-based awards granted during fiscal 2024?", "48d059a0-3fd1-4427-a61e-015b98c1b6ae": "What was the total aggregate fair value of all awards issued during fiscal 2024 by Booz Allen Hamilton Holding Corporation?", "51889314-21d6-4a01-8ed6-cbd7afaf7d8e": "How many Restricted Stock Units were granted to employees and non-employees during fiscal 2024?", "5cebaa9c-99c2-4e95-9f07-00eefe79eeda": "What is the vesting period for the Class A Restricted Common Stock granted to members of the Board during fiscal 2024?", "9f773dbd-e28c-4262-b3b3-6bad3f489b75": "How many shares of Class A Common Stock were purchased by employees under the Employee Stock Purchase Plan (ESPP) for the year ended March 31, 2024?", "94634a4c-93d1-4c04-9d46-8b7c2081931a": "What was the total cost of shares repurchased by the Company and recorded as treasury shares in fiscal 2024?", "406ca61a-1595-422a-9f7e-23fcb58699ca": "As of March 31, 2024, how many unvested restricted stock awards remained after accounting for grants, vesting, and forfeitures?", "99d757bc-f674-4fd8-87f7-91ef79c41485": "What percentage discount does the Employee Stock Purchase Plan (ESPP) offer eligible employees on shares of Class A Common Stock?", "90a51a5c-b5c7-49a4-98d9-4f582ce5bc4e": "What are the levels of fair value measurements reported for the financial instruments as of March 31, 2024, and what amounts are associated with each level?", "1814dc96-fdd0-4359-95d1-197844de9c5c": "How many shares of performance-based awards were unsettled as of March 31, 2024, after completing the three-year performance period?", "39239356-029d-47bb-ae7c-5d41dd8b6dd5": "What was the total fair value of restricted stock shares that vested during fiscal 2023?", "e79b3ede-871c-4dce-a1d0-28dd08e83cb3": "What are the total assets and liabilities reported by Booz Allen Hamilton as of March 31, 2023?", "0bd57138-4f73-43ec-8900-740aaecceff4": "How are the fair values of the Company\u2019s interest rate swaps estimated?", "ba73f766-f69d-477d-9d82-5f1f8658015c": "What types of inputs are used to determine the fair value of the Company\u2019s long-term debt?", "bdf97225-e46b-40d6-9433-8b9e75c61820": "What was the carrying amount and estimated fair value of the Term Loan A as of March 31, 2024?", "d5703601-8199-4be6-95f6-389e0fad7e92": "What is the significance of Level 2 observable inputs in the context of the Company\u2019s derivative instruments?", "6ab6f1f1-683c-4844-a34d-0b6e2356763d": "How much did Booz Allen Hamilton subcontract for services in fiscal 2022, and what was the nature of the related party transaction?", "785754ae-fb03-4201-bf9a-cc9ee818cd24": "What are the fair values of the 3.875% Senior Notes due 2028 as of March 31, 2023?", "6c8a42d3-7c3c-4800-b94a-edc7b8111b4a": "What investments are included in the Company\u2019s non-qualified deferred compensation plan, and how are their fair values determined?", "39826885-fe34-41e6-80f4-64ba91672308": "Did Booz Allen Hamilton report any material measurement adjustments for investments measured at fair value on a non-recurring basis during fiscal 2024?", "86d540dd-8e5c-4650-989d-30383c5d8c26": "What was the estimated fair value of the 4.000% Senior Notes due 2029 as of March 31, 2024?", "8cb19b83-9587-4a98-b143-5cd98d3ea3b4": "What financial adjustments are discussed in Note 5 regarding acquisitions and divestitures in the consolidated financial statements?", "eceec383-ca41-4fe7-9810-a5dc80de1513": "How much did the Company subcontract to the subcontractor in fiscal 2022?", "693f8223-70aa-4d91-b0c5-78879bfa2f57": "When did the two directors cease to serve on the board of the subcontractor mentioned in the document?", "1e766a6b-b0fe-4f74-b8b0-35f9d3333432": "Were there any other material related party transactions reported by the Company in fiscal 2024, 2023, or 2022?", "becabce3-3924-4514-a3e5-4d8ecbdadbfc": "What was the status of the subcontractor mentioned in relation to the Company's directors prior to its acquisition?", "e7fd4e7f-6fac-4668-842e-0c4bf93f5f60": "What is the significance of the $70.0 million in services provided by the subcontractor in fiscal 2022?", "b558dfe5-7615-4ae8-921b-2483243530ed": "Which company acquired the subcontractor mentioned in the document, and when did this acquisition take place?", "020e6abd-800d-4ed4-96a6-e35854389b88": "How does the document categorize the nature of the transactions with the subcontractor?", "9414dd48-a8ce-4b16-9aef-6ac829433124": "What is the relevance of the directors' previous roles in the context of the Company's subcontracting decisions?", "51f98905-d333-482b-b3ad-fa0c342440cb": "What type of financial measurement adjustments are referenced in relation to the assets and liabilities acquired through acquisitions?", "9b6e6a08-3661-44fa-a3b1-bdfc167d833d": "What was the total amount of standby letters of credit and bank guarantees issued by Booz Allen Hamilton as of March 31, 2024?", "749f9f84-701e-4146-b18b-74f5df9146ee": "How much did Booz Allen Hamilton reduce its provision for claimed indirect costs related to fiscal 2022 during the second quarter of fiscal 2024?", "2362e253-62a0-42a8-b9ad-3d2c94dd8013": "What percentage of Booz Allen Hamilton's revenue was generated from U.S. government contracts in fiscal years 2024, 2023, and 2022?", "ed5c007a-2df1-4706-9081-f262574aa088": "As of March 31, 2024, what were the recorded liabilities for estimated adjustments to claimed indirect costs by Booz Allen Hamilton?", "285b216c-f12b-4446-ad8c-0a804cad7828": "What types of audits and investigations does Booz Allen Hamilton undergo related to its U.S. government contracts?", "05c4b48c-78a2-4c2a-89c9-e7faa830b7c8": "What was the impact on Booz Allen Hamilton's operating income and net income due to the reduction in provision for claimed indirect costs in fiscal 2024?", "0ad21ff9-b7ba-4e3f-9a28-66ca6130b59d": "What are some of the areas that may be focused on during audits and investigations of Booz Allen Hamilton's compliance with government contracts?", "10413762-a336-4901-80e8-3d58807a80f7": "How much of the standby letters of credit and bank guarantees issued by Booz Allen Hamilton reduced the available borrowings under the Revolving Credit Facility as of March 31, 2024?", "8eccaa5d-34e7-4bf1-a6e6-1c9b57a59d91": "What types of legal proceedings and investigations is Booz Allen Hamilton involved in, according to the document?", "7a4a10dc-f6bc-44e8-94d9-34f6d2058f95": "What was the amount available to Booz Allen Hamilton under the separate $7.5 million facility as of March 31, 2023?", "553ca36e-8472-4f40-9108-5639f9302a34": "What types of investigative techniques may be employed by the government in relation to the company's business practices?", "944c80ec-a352-4c1e-a0e0-a178f3caf3b9": "What specific areas are the pending audits and investigations currently focusing on?", "021900d1-4a06-4864-8f3f-37f074ee8031": "How does the company perceive the potential impact of ongoing audits and investigations on its financial condition?", "a05b2b21-e67f-4ed3-b8ae-fdfb33038ead": "What types of legal proceedings is the company involved in as part of its ordinary course of business?", "3df21ffe-ac87-4bec-b862-10545c8fc0e9": "Are there any material amounts accrued in the consolidated financial statements related to ongoing legal proceedings as of March 31, 2024?", "d4f2701e-f1d1-4795-88f7-e614a18d9677": "What are some examples of claims that may arise from the legal proceedings mentioned in the document?", "24233f50-2795-4c6a-b608-dda6b2be588b": "How does the company categorize the monetary damages sought in the legal proceedings?", "57b4a2aa-f887-4f3c-b228-698ff6f65554": "What aspects of procurement integrity are likely to be scrutinized during the audits and investigations?", "a54f4573-ddee-4763-841a-8d8ac36628e6": "What does the company indicate about its awareness of its status in relation to the ongoing audits and investigations?", "3a01ba59-eca4-41dc-b8b9-1eb81a4c5c5e": "What factors contribute to the uncertainty of the outcomes of the legal proceedings mentioned in the document?", "ef2ced7d-c107-4585-bf6b-657163f765ae": "What prompted the U.S. Department of Justice to conduct an investigation into Booz Allen Hamilton in 2017?", "1555a34d-6476-4485-a3be-50eb92326436": "What was the nature of the qui tam lawsuit filed against Booz Allen Hamilton in September 2016?", "264e19c2-9115-4542-bd20-2e2d2475b61f": "What was the outcome of the DOJ's criminal investigation into Booz Allen Hamilton as of May 12, 2021?", "645ac1b1-2a2a-4c33-9dc1-75ce40ac1aae": "What was the total amount Booz Allen Hamilton agreed to pay in the Settlement Agreement with the United States?", "9e9930ce-f297-4957-98d7-63424facb761": "How did Booz Allen Hamilton finance the Settlement Amount of $377.5 million?", "6b64d0b1-d3c9-4b4e-a9ac-df07c264f206": "What specific time period was covered by the release from civil or administrative monetary claims under the Settlement Agreement?", "4933787e-b674-4f30-a25f-3f55c212c875": "What was the conclusion of the SEC's investigation into Booz Allen Hamilton as of July 27, 2023?", "8de11fb8-76be-473b-8caf-00f0a22be636": "How does Booz Allen Hamilton manage its business segments according to the document?", "98c8faee-2ce5-4515-af55-d0814f3f9a2a": "What was the range of reasonably possible loss that Booz Allen Hamilton estimated in connection with the investigation?", "df0c7193-bee0-4024-b080-36a0d8a5ef7b": "When is the quarterly cash dividend declared by Booz Allen Hamilton scheduled to be paid to stockholders?", "a3c3481a-e7de-4208-a454-705aacac7419": "What is the date of the evaluation of the Company's disclosure controls and procedures mentioned in the document?", "50503610-33fb-4d80-b941-6151ec5a1450": "Who participated in the evaluation of the effectiveness of the disclosure controls and procedures?", "49f07b85-6fb6-4167-bc41-70f5682f052a": "What framework did management use to assess the effectiveness of internal control over financial reporting?", "eb53b5be-df54-4ddc-84d7-d3017f10895a": "As of what date did management conclude that their internal control over financial reporting was effective?", "7a5a62ce-6474-4d99-b35c-33fbb4306004": "Did the Company report any changes in its internal control over financial reporting during the fourth fiscal quarter?", "a55e423f-8408-48fc-95af-b58d853ca777": "What is the purpose of the internal control system as described in the document?", "10a1b5ca-687f-4288-af14-ea1879b225ba": "Which committee's criteria were referenced for assessing internal control over financial reporting?", "4100b87c-f7ee-40df-97f8-738a87dd8f87": "What was the conclusion of the independent registered public accounting firm regarding the internal control over financial reporting?", "6d36d8c7-aa98-4d2b-b55d-65309204c38e": "What rules from the Securities Exchange Act of 1934 are referenced in the context of disclosure controls and procedures?", "0064cb82-78fb-4106-9f96-e689aee0c4ba": "What assurance does the internal control system aim to provide to management and the Board?", "608cbc31-3949-403b-8de1-6c732f0a4994": "What criteria were used to assess Booz Allen Hamilton Holding Corporation's internal control over financial reporting as of March 31, 2024?", "9764e0b1-434f-458a-908c-50e1e7bb9f13": "Who is responsible for maintaining effective internal control over financial reporting at Booz Allen Hamilton Holding Corporation?", "597e83c3-5dd4-4291-8875-9ded2616032f": "What was the opinion expressed by the independent registered public accounting firm regarding Booz Allen Hamilton's internal control over financial reporting?", "b2dec8e6-67eb-4fb5-90f2-b697f5d1a15a": "What are the inherent limitations of internal control over financial reporting mentioned in the document?", "e6131ba7-8056-4bd1-b6bf-3634c3dbed1f": "Which framework was referenced for the evaluation of internal control over financial reporting in the audit report?", "7b8a4816-86cc-45f2-9109-b5696e6cf79c": "What type of opinion did Ernst & Young LLP express in their report dated May 24, 2024, regarding Booz Allen Hamilton's consolidated financial statements?", "e9ea6a8d-295e-4015-b352-ec032705f8f1": "What procedures did the auditors perform to obtain reasonable assurance about the effectiveness of internal control over financial reporting?", "210f8d05-b7ad-4d2d-821c-59b0c894eee7": "What are the three key components of internal control over financial reporting as defined in the document?", "8e968790-a071-4d23-b5c2-5955403b53b9": "What potential risks are associated with projections of the effectiveness of internal control over financial reporting?", "c59a1c98-9adc-4177-9a22-62387d9deee6": "When was the audit report on Booz Allen Hamilton Holding Corporation's internal control over financial reporting issued?", "a1a87e72-7343-4d6c-b137-68f07e08488e": "Who is retiring as Chair of the Board of Directors effective July 24, 2024?", "c7ce1dfb-8cc2-42ff-8054-6cb94574560b": "What is the new target total direct compensation for Matthew A. Calderone for fiscal year 2025?", "ede84c99-8402-4e28-8845-391ae809bea6": "Which executive was appointed as Lead Independent Director by the Board on May 22, 2024?", "0e4c4b84-461d-46d5-a821-8169d87ff08f": "What special one-time equity grant amounts were approved for Kristine M. Anderson and Nancy J. Laben?", "3e64b450-79f8-4ce6-a404-884227e38476": "When did Melody Barnes adopt her new Rule 10b5-1 trading arrangement?", "bbf1fdd5-4d7a-4698-b37f-f22d1d2235fa": "How many shares of common stock can Richard Crowe sell under his Rule 10b5-1 trading arrangement?", "4581d706-9e26-466b-bfaf-d03f284d5f73": "What percentage of Mr. Calderone's and Ms. Anderson's special equity grants is comprised of performance-based restricted stock units?", "8437eadc-7e8f-431d-a863-4b4112d312e6": "What is the termination date for Susan Penfield's Rule 10b5-1 trading arrangement?", "30f05378-2a58-4c72-9652-287d8f260b35": "What changes were made to Kristine M. Anderson's target cash bonus for fiscal year 2025?", "610beff7-e288-425e-8a33-1d56263113b6": "How many shares are available for sale under Melody Barnes' trading arrangement upon reaching pricing targets?", "f1373832-11dc-46d2-adb6-605683aa15d2": "Who is the Executive Vice President and President for the Company's Civil sector mentioned in the document?", "6e1aae82-17f5-4e2b-a2ec-9ee91c83e7ea": "What is the termination date of Richard Crowe's Rule 10b5-1 trading arrangement?", "7acc0278-e02b-4a29-b282-0756ff0de797": "How many shares of common stock can Richard Crowe sell under his trading arrangement?", "af1065ad-bb86-48ec-9dd4-bcff8794d410": "When did Susan Penfield adopt her Rule 10b5-1 trading arrangement?", "0155fe26-c292-4c15-a38d-ab4c48f9ef79": "What is the maximum number of shares available for sale under Susan Penfield's trading arrangement?", "0a33991e-86a1-4c24-b545-f38e68823ce8": "What is the termination date of Susan Penfield's trading arrangement?", "589cbc66-ae0c-482b-bc0a-fb0b8a41ea8e": "What specific pricing targets are referenced in the trading arrangements for both executives?", "325db84e-a9fd-44c1-ae87-95dd3530c1ee": "What section of the Proxy Statement contains information about the directors?", "2649ff04-1a89-4e02-826a-efe62c01d16a": "When is the Annual Meeting of Stockholders scheduled for, according to the document?", "c131b83d-952b-432b-bd71-dec4f9eb8d93": "Is there any disclosure regarding foreign jurisdictions that prevent inspections in the document?", "923645c0-e001-4ff2-9010-7276913fbad3": "What information is incorporated by reference regarding compliance with Section 16(a) of the Exchange Act in the 2024 Proxy Statement?", "c16ba27e-9ce8-4ccd-ba85-23e7c081c373": "Where can details about the company's code of ethics be found in the 2024 Proxy Statement?", "ab5ea63d-5829-4b45-83f3-a8f575d7f6e6": "What is the weighted average exercise price of outstanding options, warrants, and rights as of March 31, 2024?", "6ede23fd-4edd-4282-b6ba-7c2e5a896238": "How many securities are remaining available for future issuance under equity compensation plans, excluding those reflected in outstanding options?", "b4001265-924b-4df0-b510-08ff00642b80": "What sections of the 2024 Proxy Statement provide information on executive compensation?", "6b38c795-f2ab-44d4-a3fc-21c4754348ab": "What information is provided regarding the security ownership of certain beneficial owners and management in the 2024 Proxy Statement?", "a93bbb8d-868f-416b-a4d5-8683b47cb98f": "Which items in the 2024 Proxy Statement discuss certain relationships and related transactions?", "fbe9b544-f2d1-42b1-8c99-3f126d8d4c09": "What is the total number of securities to be issued upon exercise of outstanding options, warrants, and rights?", "38e29032-7d62-42ba-9c95-efd27b4b2f88": "Where can one find information about the principal accounting fees and services in the 2024 Proxy Statement?", "11303367-be8d-4b85-8025-8b26a939fbfc": "What types of equity compensation plans are mentioned in the document, and how many securities are associated with each type?", "176bbeb8-fecd-410b-a8ad-a5af35a67b2e": "What information has been omitted from the consolidated financial statement schedules in the document?", "515b33da-6749-43dd-96ae-76be56dbbb86": "Why were the consolidated financial statement schedules not included in the document?", "69a98c00-f5f3-4dd4-84ca-07af15aa94fe": "Where can the required information related to financial statement schedules be found according to the document?", "c0be3e6a-e6e4-45c6-8629-1303448c14e2": "What section of the document mentions the omission of consolidated financial statement schedules?", "646262fc-aef4-4a9a-a184-1c04a151a435": "What does the document imply about the applicability of the consolidated financial statement schedules?", "8abd0832-d8d3-47e4-96da-def749ed27d1": "How does the document categorize the information regarding financial statement schedules?", "03939fe5-8dbb-43e4-a28a-67605fd86917": "What is the significance of the notes in relation to the consolidated financial statements mentioned in the document?", "85ead62f-a92b-44ee-a343-bf22f2832fbc": "What is indicated by the reference to \"Exhibits\" in the document?", "0c4c510b-63db-4f10-96da-31b9c25b8ee0": "How does the document suggest that the required information is presented in relation to the consolidated financial statements?", "10673e4d-5e84-4250-8f35-b8371534fc86": "What does the term \"consolidated financial statement schedules\" refer to in the context of the document?", "f13dfd61-e731-4ed0-9e53-b5cb5a6384bd": "What is the date of the Membership Interest Purchase Agreement mentioned in the document?", "d468db17-301f-4ee8-8836-944d3690e7fd": "Who are the parties involved in the Membership Interest Purchase Agreement dated May 3, 2021?", "065e0e70-1db0-4688-b4f3-6d9e428a9ae3": "Which document contains the Seventh Amended and Restated Certificate of Incorporation of Booz Allen Hamilton Holding Corporation?", "d526270a-a890-47ed-8672-0dac4e5a5daa": "What is the purpose of the Indenture dated August 24, 2020, as referenced in the document?", "0e5fbae0-8c82-44a4-81b0-68ee12937af5": "How many supplemental indentures are mentioned in the document, and what are their respective dates?", "6d2ef403-236b-4fee-81b3-8d205ed091f6": "What is the significance of the form of stock certificate referenced in Exhibit 4.1?", "5f474a3b-4b09-4323-9dd4-375190e14e8b": "Which company is identified as the parent guarantor in the Indenture dated August 4, 2023?", "2505ef72-9648-4f5c-88d0-188ea64abca8": "What type of financial instrument is associated with the First Supplemental Indenture dated August 4, 2023?", "3a552830-035c-41de-ad53-025f2c137d21": "In which report can the Second Supplemental Indenture dated November 5, 2021, be found?", "b8e76f76-0327-4bce-a34c-ff7527f7ec4a": "What is the file number associated with the Company's Current Report on Form 8-K filed on July 28, 2023?", "4d7bf7e2-b4cd-4d06-b442-23d2d8949b41": "What is the date of the indenture mentioned in the document related to Booz Allen Hamilton Inc.?", "dc769dbc-eb57-4f60-9603-a77ed2667f8f": "Who are the parties involved in the indenture dated August 4, 2023?", "13c02c35-2ea6-4872-b728-abb5a7520bdc": "What is the interest rate of the Senior Notes due 2033 as referenced in the document?", "99bd64fe-75c2-46ff-b782-e496b84a60d3": "Which document incorporates the First Supplemental Indenture for Booz Allen Hamilton Inc.?", "698a0afa-1080-44fa-b226-cf9b3d1a1dfe": "What is the due date for the 4.000% Senior Note mentioned in the document?", "3bc7b32e-d542-4e80-9b23-b6a3ac3ec723": "How many different forms of Senior Notes are referenced in the document?", "c8a9e120-4c55-4fe4-ac36-bcc8926c7020": "What is the purpose of the 2023 Equity Incentive Plan of Booz Allen Hamilton Holding Corporation?", "5fa7cb11-b1fa-4cc8-a98d-e0dd4773afe5": "Which regulatory filing contains the Third Amended and Restated Equity Incentive Plan of Booz Allen Hamilton Holding Corporation?", "4cc020a3-40a0-4e6f-9201-5678f3b15915": "What is the file number associated with Booz Allen Hamilton Inc.'s Current Report on Form 8-K filed on August 4, 2023?", "6497af82-6abc-4993-97b8-d89c306a177a": "What type of document is referenced as Exhibit A to Exhibit 4.9 in the context of Booz Allen Hamilton Inc.?", "fd2a49f5-20bc-4090-acb6-e85fb04a28fc": "What is the purpose of the Booz Allen Hamilton Holding Corporation Annual Incentive Plan referenced in the document?", "481b08ff-e938-493c-8bcc-194eb6bec6a1": "Which document incorporates the Booz Allen Hamilton Holding Corporation Officers\u2019 Retirement Policy?", "b46b0426-e8e5-4fea-adbd-aaef78e97080": "What type of insurance is mentioned in the document as \"Group Variable Universal Life Insurance\"?", "8dc82879-cf10-4557-8e62-a5fb34dedaa1": "What is the date of the Credit Agreement among Booz Allen Hamilton Inc. and various lenders?", "2f846e42-3f08-469c-a042-5215b45a88ac": "Which exhibit references the Officer Annual Performance Bonus Policy in the Booz Allen Hamilton Holding Corporation's Annual Report?", "a36afa07-6262-405a-85b4-f2ca08df03eb": "What entities are involved in the Guarantee and Collateral Agreement dated July 31, 2012?", "aae89060-b36a-4b1a-9044-8b67fd836e36": "How many amendments to the Credit Agreement are mentioned in the document?", "db87d436-da7b-4da4-9ff3-9c3533ba04e5": "What is the significance of the Form of Booz Allen Hamilton Holding Corporation Director and Officer Indemnification Agreement?", "74b1b72c-1ec0-4be1-882b-c7862bbc0534": "Which financial institutions are listed as Joint Lead Arrangers in the Credit Agreement?", "eb974076-0515-4e7f-b29a-8430d9c7d283": "What type of plans are included under the Retired Officer\u2019s Comprehensive Medical and Dental Choice Plans?", "231c32b0-8419-4565-b890-43bebc5602ad": "What is the date of the First Amendment to the Credit Agreement involving Booz Allen Hamilton Inc.?", "9f19eb87-953d-460d-9def-e1d9a828e12e": "Who are the parties involved in the Second Amendment to the Credit Agreement dated May 7, 2014?", "569a6484-07db-4c98-85db-9051c909ca12": "Which financial institution serves as the Administrative Agent in the Third Amendment to the Credit Agreement?", "e7275aff-ba4f-4b56-bf8e-e5a4a8e3b6a2": "How many amendments to the Credit Agreement are mentioned in the document?", "e4c71c29-fb0b-4e4f-93c5-290d82c001ad": "What is the role of Bank of America, N.A. in the credit agreements referenced in the document?", "0e89cd66-986e-409f-94c5-dcd2fb43bab8": "What is the significance of the Current Report on Form 8-K in relation to the credit agreements?", "224f4e6a-f818-4f62-8371-4f51232a541e": "Which companies are listed as Guarantors in the First Amendment to the Credit Agreement?", "f8363eb4-f98f-47b1-88d1-b78907682b6a": "What is the file number associated with the credit agreements mentioned in the document?", "09b886a4-df3f-4b8f-94e1-ff50a672e330": "When was the Third Amendment to the Credit Agreement executed?", "2c4f3765-c7cd-4d42-924c-9f9b79f036ab": "What type of financial agreement is discussed in the provided document?", "d573791e-ff1f-444f-8cf6-77c4123dbd2d": "What is the date of the Fourth Amendment to the Credit Agreement involving Booz Allen Hamilton Inc.?", "158ab713-da70-454a-a996-77b265ae0313": "Who are the Guarantors listed in the Fifth Amendment to the Credit Agreement dated March 7, 2018?", "8a7aa496-d5f8-4298-925a-357633d1d944": "Which financial institution serves as the Administrative Agent in the Seventh Amendment to the Credit Agreement?", "dcaa083e-3991-4d5b-9762-be6669a37c98": "How many amendments to the Credit Agreement are mentioned in the provided document?", "5ae0aeb9-9be2-4a96-a59c-cea5a305ecad": "What is the role of Bank of America, N.A. in the Eighth Amendment to the Credit Agreement?", "8695e2f7-fb41-474f-b9b7-15839844526b": "Which companies are included as Guarantors in the Ninth Amendment to the Credit Agreement dated September 7, 2022?", "613c5848-1114-44bf-9c44-0b7b4c44a487": "What is the file number associated with the Current Report on Form 8-K for the Sixth Amendment to the Credit Agreement?", "5ac21c32-98ed-49f4-a26c-1af341219dca": "In which year was the Fifth Amendment to the Credit Agreement executed?", "e5033611-32fa-4d83-8a2c-e49bc12cea17": "What is the common theme among all the amendments listed in the document?", "ef26a57d-a01e-4c64-a950-8eb57c31cf08": "How does the document reference the incorporation of the amendments into the Current Report on Form 8-K?", "2e0c6864-9a48-4f36-825a-06ec98a4cb5e": "What is the date of the Ninth Amendment to the Credit Agreement involving Booz Allen Hamilton Inc.?", "6eb18cb2-bf02-42bc-b7e7-4e8542344fc6": "Who are the parties involved in the Tenth Amendment to the Credit Agreement dated July 27, 2023?", "d545831b-e8f0-465c-9998-8e013afd5219": "What is the purpose of the Assumption Agreements mentioned in the document?", "7340dc79-1de3-4827-a023-aad88c54a72f": "Which financial institution acts as the Administrative Agent and Collateral Agent in the Credit Agreements?", "7539720f-c8a8-4c9c-8a7e-21865b0108ee": "What type of plan is referenced in the document as the Booz Allen Hamilton Inc. Nonqualified Deferred Compensation Plan?", "87945e95-021b-4baf-b6f1-173f49a17682": "How many amendments to the Nonqualified Deferred Compensation Plan are mentioned in the document?", "b09bf946-c94b-4395-a74d-2a3458b9ffe9": "What is the significance of the reference to \"Exhibit 10.1\" in relation to the Tenth Amendment to the Credit Agreement?", "706ed184-22c8-45c8-93f8-dfacd67b5f48": "Which companies are listed as Guarantors in the Ninth Amendment to the Credit Agreement?", "1ea30bee-4a26-4590-bbbc-d2753170a04e": "What is the filing date of the Current Report on Form 8-K that includes the Ninth Amendment to the Credit Agreement?", "f5d64255-c584-4730-98ef-d8dcce18996a": "How many stock option agreements under the Second Amended and Restated Equity Incentive Plan are referenced in the document?", "9eca0c27-2e14-4618-add8-175ef7a8d078": "What is the purpose of the Third Amended and Restated Equity Incentive Plan of Booz Allen Hamilton Holding Corporation as referenced in the document?", "fc0e5281-4986-4168-89cd-763412bed8e9": "How many different forms of stock option agreements are mentioned in the document?", "015a21ff-b27d-4a94-86e8-ef8c2a54615e": "Which fiscal year does the Annual Report referenced in Exhibit 10.61 pertain to?", "b91aa02d-2bc9-4657-bb25-5427cff07316": "What type of agreement is referenced in Exhibit 10.35 under the Third Amended and Restated Equity Incentive Plan?", "39a7912c-c559-44d7-b895-82deb33334df": "What is the latest fiscal period for which the Form of Stock Option Agreement under the 2023 Equity Incentive Plan is referenced?", "b96fcd78-9897-4047-a225-ea9a8803389c": "How many exhibits related to performance restricted stock unit agreements are included in the document?", "cab2c8b6-5d31-4bdc-b19a-68a9ab1ae13f": "What is the significance of the reference to \"File No. 001-34972\" in the document?", "73457f18-6719-467c-b2dd-66282da7c789": "Which exhibit number corresponds to the Form of Restricted Stock Agreement for Directors under the 2023 Equity Incentive Plan?", "08c543db-ec5d-4299-9122-fe3df7e08e89": "What type of policy is referenced in Exhibit 10.33, and what is its relevance to the company's annual report?", "b309ef10-499b-4774-ac53-f776431b080e": "In which quarterly report is the Form of Restricted Stock Unit Agreement under the 2023 Equity Incentive Plan incorporated?", "b80924d8-de9e-406e-b8a2-7879a98ba49f": "What is the purpose of the Form 10-Q referenced in the document for Booz Allen Hamilton Holding Corporation?", "9ef6e1c7-db04-4a99-a310-51b6f62be3de": "Which equity incentive plan is mentioned in the document for Booz Allen Hamilton Holding Corporation?", "7dbf549b-5400-47e4-bd51-6b26a76511e2": "What type of agreement is described as Exhibit 10.42 in the document?", "0fdf4c75-04c9-4900-b371-27954f3fb6a5": "How many forms of stock agreements are listed under the 2023 Equity Incentive Plan of Booz Allen Hamilton Holding Corporation?", "f370ef1b-a308-4afe-852a-5623e63f53cb": "What is the significance of the \"Insider Trading Policy\" mentioned in the document?", "d81d3731-4caa-4ffd-b65f-150f7b36baf4": "Who is required to provide the Rule 13a-14(a)/15d-14(a) Certification according to the document?", "6b884e68-b360-49ae-8be8-1efc724b1474": "What does the document indicate about the relationship between Booz Allen Hamilton Holding Corporation and its subsidiaries?", "71d19e3d-a2d3-44d7-b1ec-96ddbd5e9208": "What type of certification is required by Section 1350 of Chapter 63 of Title 18 of the United States Code?", "99aca07b-4d99-4f33-992b-20283d5a10da": "Which exhibit number corresponds to the \"Form of Stock Option Agreement\" in the document?", "eba6d3d4-325e-4900-aae6-c180f5d107b1": "What is the filing number associated with Booz Allen Hamilton Holding Corporation's Quarterly Report?", "506786f8-2879-4f82-814e-58d9af3cfe7e": "What certification is required by Rule 13a-14(b) or Rule 15d-14(b) according to the document?", "a96dc4fa-a16f-46bb-bfeb-f10b19cf5bfa": "Which corporation's Rule 10D-1 Clawback Policy is mentioned in the document?", "ea031b28-dbff-4541-91a7-42cf77300306": "What fiscal year does Booz Allen Hamilton Holding Corporation's Annual Report on Form 10-K cover?", "89a0fa9f-f8ff-41df-b2f7-293fbdb55383": "List the financial statements included in the Inline XBRL formatted materials from Booz Allen Hamilton Holding Corporation's Annual Report.", "1441053a-4520-4542-b35c-4a40ed2bc9cd": "What is the purpose of Section 1350 of Chapter 63 of Title 18 of the United States Code as referenced in the document?", "80f82ec9-4ee8-4379-8ced-5b721cbdc244": "How many fiscal years of Consolidated Statements of Operations are provided in the document?", "ffb73cbd-4c82-497d-8759-696f56efbf4a": "What type of data file is mentioned in Exhibit 104 of the document?", "bf2097ad-9590-4f1c-9de7-564c467d1013": "Are there any management contracts or compensatory arrangements disclosed in the document?", "5d2dec94-8fa3-4567-ba07-eb4f89fcd96b": "What is the significance of the asterisk (*) next to certain items in the document?", "a72ff5a6-bddc-4214-97ee-c5539b51bf18": "Does the document include a summary for Item 16 of the Form 10-K? If so, what does it state?", "c23ecb36-87a8-41a4-a486-80efc42c9ef0": "Who is the President and Chief Executive Officer of Booz Allen Hamilton Holding Corporation as of May 24, 2024?", "9dd7db46-fb24-49a6-a732-bffef842cd6f": "What is the date on which the report was signed by the registrant?", "416dbb3b-f286-4263-a6c4-a38622bc5cef": "How many directors signed the report on May 24, 2024?", "f53a1eea-8ebc-4301-a029-a5957cf1ce0a": "What is the title of Matthew A. Calderone at Booz Allen Hamilton Holding Corporation?", "ab446e8c-2774-4e21-b9ea-6d77947e6d1d": "Which section of the Securities Exchange Act of 1934 is referenced in the document?", "9737feda-da1b-4243-891c-5cb2019ec355": "Who is the Chairman of the Board for Booz Allen Hamilton Holding Corporation as of the signing date?", "3dced704-818a-4631-bcf0-4fd3430884b7": "What is the role of Horacio D. Rozanski in the company?", "28dbb241-0acd-4cab-9275-8108079e8635": "Can you list three directors who signed the report on May 24, 2024?", "2ec4f148-b719-47ee-8b7a-6e39ad9efb81": "What is the significance of the signatures in the context of the Securities Exchange Act of 1934?", "744f3e79-4eea-434b-9f72-4cf6958b0505": "On what date did all the signatures in the document occur?" }, "corpus": { "e22f50b6-3164-4bea-88ea-de3ede687ca3": "UNITED STATES\nSECURITIES AND EXCHANGE COMMISSION\nWASHINGTON, D.C. 20549\nFORM\n10-K\nANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT\nOF 1934\nFor the Fiscal Year Ended\nDecember 31\n, 2023\nOR\nTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE\nACT OF 1934\nFor the Transition Period from_______________________to_______________________\nCommission File No.\n1-32525\nAMERIPRISE FINANCIAL, INC.\n(Exact name of registrant as specified in its charter)\nDelaware\n \n13-3180631\n(State or other jurisdiction of incorporation or organization)\n(I.R.S. Employer Identification No.)\n1099 Ameriprise Financial Center\nMinneapolis\nMinnesota\n55474\n (Address of principal executive offices)\n(Zip Code)\nRegistrant\u2019s telephone number, including area code:\n(612)\n671-3131\nSecurities registered pursuant to Section 12(b) of the Act:\nTitle of each class\nTrading Symbol\n \nName of each exchange on which registered\nCommon Stock (par value $.01 per share)\nAMP\nNew York Stock Exchange\nSecurities registered pursuant to Section 12(g) of the Act: None\nIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act.\nYes\nNo\nIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Exchange Act.\nYes\nNo\nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange\nAct of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has\nbeen subject to such filing requirements for the past 90 days. \nYes\nNo\nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to\nRule 405 of Regulation S-T (\u00a7232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was\nrequired to submit such files). \nYes\nNo\nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging\ngrowth company. See the definitions of \u201clarge accelerated filer,\u201d \u201caccelerated filer,\u201d \u201csmaller reporting company,\u201d and \u201cemerging growth company\u201d in Rule 12b-2 of\nthe Exchange Act.\nLarge Accelerated Filer\nAccelerated Filer\nNon-accelerated Filer\nSmaller reporting company\nEmerging growth company\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or\nrevised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.\nIndicate by check mark whether the registrant has filed a report on and attestation to its management\u2019s assessment of the effectiveness of its internal control over financial\nreporting under Section 404(b) of the Sarbanes-Oxley Act by the registered public accounting firm that prepared or issued its audit report.\nIf securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing\nreflect the correction of an error to previously issued financial statements.\nIndicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by\nany of the registrant\u2019s executive officers during the relevant recovery period pursuant to \u00a7240.10D-1(b).\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). \nYes\nNo\nThe aggregate market value, as of June 30, 2023, of voting shares held by non-affiliates of the registrant was approximately $\n34.1\n billion.", "662ef0aa-2ac9-472c-a00a-7df6d7aba746": "Indicate the number of shares outstanding of each of the registrant\u2019s classes of common stock, as of the latest practicable date.\nClass\n \nOutstanding at February 9, 2024\nCommon Stock (par value $.01 per share)\n100,290,614\n shares\nDOCUMENTS INCORPORATED BY REFERENCE\nPart III: Portions of the registrant\u2019s Proxy Statement to be filed with the Securities and Exchange Commission in connection with the Annual Meeting of Shareholders\nto be held on April 24, 2024 (\u201cProxy Statement\u201d).", "dfa078d9-0d8d-4a73-8daa-fe3c3ca2b4aa": "Index\nAmeriprise Financial, Inc.\nFORM 10-K\nINDEX\nPART I\n1\nItem 1. \nBusiness\n1\nItem 1A. \nRisk Factors\n16\nItem 1B. \nUnresolved Staff Comments\n29\nItem 1C. \nCybersecurity\n29\nItem 2. \nProperties\n30\nItem 3. \nLegal Proceedings\n30\nItem 4. \nMine Safety Disclosures\n30\nPART II\n31\nItem 5. \nMarket for Registrant\u2019s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities\n31\nItem 6. \n[Reserved]\n31\nItem 7. \nManagement\u2019s Discussion and Analysis of Financial Condition and Results of Operations\n32\nItem 7A. \nQuantitative and Qualitative Disclosures About Market Risk\n65\nItem 8. \nFinancial Statements and Supplementary Data\n71\nItem 9. \nChanges in and Disagreements With Accountants on Accounting and Financial Disclosure\n170\nItem 9A. \nControls and Procedures\n170\nItem 9B. \nOther Information\n170\nItem 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections\n170\nPART III\n171\nItem 10. \nDirectors, Executive Officers and Corporate Governance\n171\nItem 11. \nExecutive Compensation\n173\nItem 12. \nSecurity Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters\n173\nItem 13. \nCertain Relationships and Related Transactions, and Director Independence\n173\nItem 14. \nPrincipal Accountant Fees and Services\n173\nPART IV\n174\nItem 15. \nExhibits and Financial Statement Schedules\n174\nItem 16. \nForm 10-K Summary\n176\nSignatures\n177\nSchedule I - Condensed Financial Information of Registrant\n179", "0d542db3-a2b2-4214-a1c1-20292ee05109": "Index\nAmeriprise Financial, Inc.\nPART I.\nItem 1. \nBusiness\nOverview\nAmeriprise Financial is a diversified financial services company with a nearly 130-year history of providing solutions to help clients confidently achieve their financial\nobjectives. Ameriprise Financial, Inc. is a holding company incorporated in Delaware that primarily engages in business through its subsidiaries. Accordingly,\nreferences to \u201cAmeriprise,\u201d \u201cAmeriprise Financial,\u201d the \u201cCompany,\u201d \u201cwe,\u201d \u201cus,\u201d and \u201cour\u201d may refer to Ameriprise Financial, Inc. exclusively, to our entire family of\ncompanies, or to one or more of our subsidiaries.\nWe are a long-standing leader in financial planning and advice offering a broad range of products and services designed to assist individual and institutional clients\nachieve their financial objectives. Our strategy is centered on helping clients confidently achieve their goals by providing holistic advice and by managing and\nprotecting their assets and income. We utilize two go-to-market approaches in carrying out this strategy: Wealth Management and Asset Management.\nWealth Management\nOur Advice & Wealth Management business is the primary growth engine of Ameriprise with a significant market opportunity. We are in a compelling position to\ncapitalize on significant demographic and market trends driving increased demand for financial advice and solutions. In the U.S., the ongoing transition of baby\nboomers into retirement, as well as younger generations currently building their wealth and planning for retirement, continues to drive demand for financial advice\nand solutions. Our primary target market is households with $500,000 to $5,000,000 in investable assets, and we are also well-suited to serve those outside this asset\nrange. The amount of investable assets held by investors grew at an 8% compound annual growth rate between 2016 and 2022. We also offer products and services\ntargeted to higher-net worth households.\nWe are an industry-leading wealth manager with a differentiated advice value proposition. Our network of more than 10,000 financial advisors (our \u201cadvisors\u201d) is the\nprimary channel through which we carry out our wealth management activities. Our capabilities are centered on establishing long-term personal relationships between\nclients and advisors. Through our affiliated advisors, we offer financial planning and advice, cash management and banking products, and full-service brokerage\nservices, primarily to retail clients.\nWe design products and services as solutions for clients\u2019 cash and liquidity, asset accumulation, income, retirement, protection, income generation and disbursement\nand estate and wealth transfer needs. The financial solutions we offer through our advisors include our own products and services as well as other providers\u2019\nproducts. We distribute our life and disability income insurance, as well as annuity products, through our advisor channel.\nOur advisor force is among the largest in the industry and is central to how we serve our clients. We support our advisors with an integrated technology platform,\ntraining, leadership and marketing programs to assist them in serving their clients and growing their practices. Our nationally recognized brand combined with these\nprograms and other support creates a compelling value proposition for financial advisors relative to the broader financial services industry. This is evidenced by our\nstrong advisor retention and satisfaction and our ability to attract and retain experienced and productive advisors. We continuously invest in, develop, and refine\ncapabilities and tools designed to maximize advisor productivity and client satisfaction.\nAsset Management\nOur global asset management business, represented by the \nColumbia Threadneedle Investments\n brand, offers a broad spectrum of capabilities to individual,\ninstitutional and high net worth investors. In November 2021, we purchased the BMO Global Asset Management (EMEA) business and subsequently re-branded the\nbusiness. \nColumbia Threadneedle\n \ninvestment products are primarily offered through third parties, though we also provide our asset management products through\nour advisor network, direct retail and through our institutional sales force. Our underlying asset management philosophy is rooted in delivering consistently strong,\ncompetitive investment performance. The quality and breadth of our asset management capabilities are demonstrated by our strong investment performance.\nWe are positioned to grow our assets under management and strengthen our asset management offerings to existing and new clients. We benefit from key strategic\nrelationships we have established and have a strong institutional presence. Our asset management capabilities are designed to address mature markets in the U.S.\nand Europe as well as expanding into new global and emerging markets. We have expanded beyond our traditional strengths in the U.S. and the United Kingdom\n(\u201cU.K.\u201d) to serve more clients and gather assets worldwide.", "6adfd84c-74cc-4147-a34f-4f49734b2e8c": "Columbia Threadneedle\n \ninvestment products are primarily offered through third parties, though we also provide our asset management products through\nour advisor network, direct retail and through our institutional sales force. Our underlying asset management philosophy is rooted in delivering consistently strong,\ncompetitive investment performance. The quality and breadth of our asset management capabilities are demonstrated by our strong investment performance.\nWe are positioned to grow our assets under management and strengthen our asset management offerings to existing and new clients. We benefit from key strategic\nrelationships we have established and have a strong institutional presence. Our asset management capabilities are designed to address mature markets in the U.S.\nand Europe as well as expanding into new global and emerging markets. We have expanded beyond our traditional strengths in the U.S. and the United Kingdom\n(\u201cU.K.\u201d) to serve more clients and gather assets worldwide. We continue to pursue opportunities to leverage the collective capabilities of our global asset\nmanagement business in order to enhance our investment solutions and to develop new solutions that are responsive to client demand in an increasingly complex\nand competitive marketplace.\nHistory and Development\nOur company has provided solutions to help clients confidently achieve their financial objectives for nearly 130 years. Our earliest predecessor company, Investors\nSyndicate, was founded in 1894 to provide face-amount certificates to consumers. In 1983, our company was formed as a Delaware corporation in connection with\nAmerican Express\u2019 acquisition of IDS Financial Services from\n\u00ae\n\u00ae\n1", "241e8ec1-ae50-446a-b263-9ffed2161811": "Index\nAmeriprise Financial, Inc.\nAlleghany Corporation. We changed our name to \u201cAmerican Express Financial Corporation\u201d (\u201cAEFC\u201d) and began marketing our products and services under the\nAmerican Express brand in 1994. In 2005, AEFC spun off from American Express to form Ameriprise Financial, Inc.\nWe have grown both organically in the products and services we provide, as well as inorganically through strategic acquisitions. This has allowed us to significantly\nenhance the scale, performance, and product offerings of our brokerage, financial planning, retail mutual fund and institutional asset management businesses to best\nserve clients. Our acquisitions have included Threadneedle Asset Management Holdings, H&R Block Financial Advisors, Inc., J. & W. Seligman & Co. Incorporated,\nColumbia Management, Emerging Global Advisors, LLC, Investment Professionals, Inc., Lionstone Partners, Inc., and, most recently, BMO Financial Group\u2019s\nEuropean-based asset management business, which was completed in 2021. Beyond traditional acquisitions, we pursue other strategies to grow our Wealth\nManagement business such as experienced advisor recruiting and partnerships with banks and credit unions, like the transaction to become Comerica Bank\u2019s new\ninvestment program provider.\nOver the years, we have also sought to optimize the organizational structure in which we offer certain banking products. In May 2019, we received regulatory\napprovals and converted Ameriprise National Trust Bank to Ameriprise Bank, FSB (\u201cAmeriprise Bank\u201d) to expand the products and services we can provide directly\nto our customers. At that time, Ameriprise Financial became a savings and loan holding company subject to regulation, supervision and examination by the Board of\nGovernors for the Federal Reserve System (\u201cFRB\u201d), and Ameriprise Financial elected to be classified as a financial holding company subject to applicable regulation\nunder the Bank Holding Company Act of 1956, as amended. On July 13, 2023, we announced that we withdrew our application to convert Ameriprise Bank, FSB to a\nstate-chartered industrial bank and our application to establish a new limited purpose national trust bank. We plan to continue to operate Ameriprise Bank as we\nhave, under the supervision of the Office of the Comptroller of the Currency (\u201cOCC\u201d) and continue to offer a strong lineup of banking solutions without interruption.\nOur Shifting Business Mix and Integrated Model\nThe financial results from the businesses underlying our go-to-market approaches are reflected in our operating segments:\n\u2022\nAdvice & Wealth Management;\n\u2022\nAsset Management;\n\u2022\nRetirement & Protection Solutions; and\n\u2022\nCorporate & Other.\nSlide 1 - segment mix.jpg\n2", "560fc8b2-6c3f-4aae-9fcb-31cdb92d3d7f": "Index\nAmeriprise Financial, Inc.\nAs a diversified financial services firm, we believe our ability to gather and retain assets is best measured by our aggregate assets under management and\nadministration metric. As of December 31, 2023, we had $1.4 trillion in assets under management and administration, compared to $1.2 trillion as of December 31, 2022.\nFor a more detailed discussion of assets under management and administration, see \u201cManagement\u2019s Discussion and Analysis of Financial Condition and Results of\nOperations\u201d included in Part II, Item 7 of this Annual Report on Form 10-K.\nWe continue to execute on our strategy to grow our Wealth Management business with complementary Asset Management and Retirement & Protection Solutions\nbusinesses. The following chart shows our current business mix represented by the contributions of each segment to our pretax adjusted operating earnings\n(excluding Corporate & Other segment) as well as a historical comparison.\nSlide 2 - PTI by segment.jpg\nOur Principal Brands\nOur diversified products and services are offered through our brands:\nWe use the \nAmeriprise Financial\n brand as our enterprise brand, as well as the name of our advisor network and\ncertain of our retail products and services.\nctilogoblackrgba03.jpg\nOur global \nColumbia Threadneedle\n and \nColumbia Threadneedle Investments\n brands represent the combined\ncapabilities, resources and reach of Columbia Management Investment Advisers, LLC (including its subsidiaries,\n\u201cColumbia Management\u201d), other U.S.-based entities and Threadneedle. The foreign operations of Ameriprise\nFinancial, Inc. are conducted primarily through Columbia Threadneedle Investments UK International Limited,\nTAM UK International Holdings Limited and Ameriprise Asset Management Holdings Singapore (Pte.) and their\nrespective subsidiaries (collectively, \u201cThreadneedle\u201d).\nWe use our \nRiverSource\n brand for our annuity and protection products issued by RiverSource Life Insurance\nCompany (\u201cRiverSource Life\u201d) and RiverSource Life Insurance Co. of New York (\u201cRiverSource Life of NY\u201d and,\ntogether with RiverSource Life, the \u201cRiverSource Life companies\u201d or \u201cRiverSource\u201d).\nOur Segments - Advice & Wealth Management\nWe provide financial planning and advice, as well as full-service brokerage services, primarily to retail clients through our financial advisors. These services are\ncentered on long-term, personal relationships between our advisors and our clients and focus on helping clients confidently achieve their financial goals. Our\nfinancial advisors provide a distinctive, holistic approach to financial planning and have access to a broad selection of both affiliated and non-affiliated products to\nhelp clients meet their financial needs and goals. Banking, lending and cash management solutions help clients establish financial flexibility while planning for both\nshort and long-\n\u00ae\n\u00ae\n\u00ae\n\u00ae\n3", "6725c59d-f970-4dd8-8fb7-45a491222fd6": "Index\nAmeriprise Financial, Inc.\nterm needs. As part of our goal-based approach to financial advice, our advisors help clients actively manage investing, saving and spending so they have a more\ncomplete picture of their financial life.\nA significant portion of revenues in this segment are fee-based and driven by the level of client assets, which is impacted by both market movements and net flows.\nWe also earn revenue and income through other sources, including the following:\n\u2022\nWe earn net investment income on owned assets from Ameriprise Certificate Company and Ameriprise Bank, both wholly owned subsidiaries of Ameriprise.\n\u2022\nWe earn financial planning fees as well as transaction and other fees.\n\u2022\nWe earn distribution fees for providing non-affiliated products and intersegment revenues for providing our affiliated products and services to our retail\nclients. Intersegment expenses for this segment include investment management services provided by our Asset Management segment. All intersegment\nactivity is eliminated in our consolidated results.\nOur Financial Advisor Platform\nWith more than 10,000 advisors, we are one of the top branded advisor platforms in the U.S. market. Advisors can choose to affiliate with us in multiple ways as\nnoted below, and each option offers different levels of support and compensation.\nSlide 3 - Advisor Affiliations-v2.jpg\nWe offer the following products and services through our Advice & Wealth Management segment:\n\u2022\nFinancial planning and advice services to provide personalized financial planning and financial solutions for which we charge fees and may receive sales\ncommissions for selling products that aid in our clients\u2019 plans.\n\u2022\nDiscretionary and non-discretionary investment advisory accounts for which we receive fees based on the assets held in that account, as well as related fees or\ncosts associated with the underlying securities held in that account.\n\u2022\nBrokerage products and services for retail and institutional clients.\n\u2022\nCash management and banking products, including brokerage sweep programs, cash management accounts, savings accounts, credit cards, margin loans and\npledged asset lines of credit.\n\u2022\nFace-amount certificates through the Ameriprise Certificate Company, a wholly owned subsidiary.\n\u2022\nMutual fund offerings from our own Columbia funds as well as approximately 135 unaffiliated mutual fund families, representing approximately 2,150 mutual funds\non our brokerage platform for which mutual fund families and other companies generally pay us a portion of the revenue generated from sales of those funds,\nadministrative fees, and fees from the ongoing management attributable to our clients\u2019 ownership in the fund.\n\u2022\nInsurance and annuities products from both RiverSource Life companies as well as certain third parties, and we receive a portion of the revenue generated from\nthe sale of unaffiliated products and certain administrative fees.\nOur Segments - Asset Management\nThrough Columbia Threadneedle, we provide investment management, advice and products to retail, high net worth and institutional clients on a global scale.\n4", "2d6f0436-3c78-4f6c-9b7a-2f3292638c6a": "Index\nAmeriprise Financial, Inc.\nColumbia Management primarily provides products and services in the United States. Threadneedle, including BMO Global Asset Management (EMEA) business\nwhich we acquired in 2021, primarily provides products and services internationally. Additional subsidiaries beyond Columbia Management and Threadneedle are\nalso included in our Asset Management segment.\nRevenues in the Asset Management segment are primarily earned based on managed asset balances, which are impacted by market movements, net asset flows, asset\nallocation and product mix. We may also earn performance fees from certain accounts where investment performance meets or exceeds certain pre-identified targets.\nAs of December 31, 2023, our Asset Management segment had $637 billion in worldwide managed assets.\nOur Asset Management segment also provides asset management services for Ameriprise Financial subsidiaries. The fees for such services are reflected within the\nAsset Management segment results through intersegment transfer pricing. Intersegment expenses for this segment include distribution expenses for services\nprovided by our Advice & Wealth Management, Retirement & Protection Solutions, and Corporate & Other segments. All intersegment activity is eliminated in our\nconsolidated results.\nManaged assets include external client assets and owned assets. Managed external client assets include client assets for which we provide investment management\nservices, such as the assets of the \nColumbia Threadneedle Investments\n fund families and the assets of institutional clients. Managed external client assets also\ninclude assets managed by sub-advisers we select but do not include client assets that we advise on a non-discretionary basis such as those assets where we\nprovide voting recommendations and engagement services but do not manage the underlying assets. Our external client assets are not reported on our Consolidated\nBalance Sheets, although certain investment funds marketed to investors may be consolidated at certain times. See Note 2 and Note 5 to our Consolidated Financial\nStatements included in Part II, Item 8 of this Annual Report on Form 10-K for additional information on consolidation principles and details regarding the\nconsolidated collateralized loan obligations (\u201cCLOs\u201d). Managed owned assets include certain assets on our Consolidated Balance Sheets (such as the assets of the\ngeneral account, cash balances invested by Ameriprise Bank and from certificate products, and the variable product funds held in the separate accounts of\nRiverSource Life companies) for which the Asset Management segment provides management services and receives management fees. For additional details\nregarding our assets under management and administration, see \u201cManagement\u2019s Discussion and Analysis of Financial Condition and Results of Operations\u201d\nincluded in Part II, Item 7 of this Annual Report on Form 10-K.\nInvestment Management Capabilities and Products\nOur investment management business has a presence in 17 key markets globally with investment offices in seven countries, including France, Germany, Luxembourg,\nthe Netherlands, Singapore, the U.K. and the U.S.\nOur investment management capabilities and products span a broad range of asset classes and investment styles to meet a variety of client needs with our $637\nbillion in assets under management diversified across geographies, strategies and clients.\nSlide 4 - AUM - Sales Assets Clients.jpg\nWe offer or make available the following products and services through our Asset Management segment with a range of investment strategies across these different\nvehicles and accounts:\n\u2022\nU.S. registered funds through the \nColumbia Management\n family of funds, including retail mutual funds, exchange-traded funds and U.S. closed-end funds and\nvariable insurance trust funds (\u201cVIT Funds\u201d) on which we earn management fees based on the underlying value of the assets and service fees.\n\u2022\nNon-U.S. retail focused funds through Columbia Threadneedle include different risk-return options across regions, markets, asset classes and product structures,\nwhich include retail funds that are similar to U.S. mutual funds (such as Undertakings for the Collective Investment in Transferable Securities (\u201cUCITS\u201d) funds\norganized as Luxembourg-based investment companies with variable capital (\u201cSICAVs\u201d) and Irish and U.K. open-end investment companies (\u201cOEICs\u201d)). In\naddition, this also includes a range of listed Investment Trusts, including F&C Investment Trust PLC established in 1868.\n\u2022\nEuropean-based pooled investment funds designed for pensions, insurance companies and other institutional investors seeking solutions for liability or balance\nsheet asset management (\u201cLiability Driven Investment\u201d or \u201cLDI\u201d).\n5", "da70a640-b7f7-4f70-b4a7-1428edf78746": "Index\nAmeriprise Financial, Inc.\n\u2022\nInstitutional and retail separately managed accounts for a range of clients, including pension, profit-sharing, employee savings, sovereign wealth funds and\nendowment funds, accounts of large- and medium-sized businesses and governmental clients, as well as the accounts of high net worth individuals and smaller\ninstitutional clients, including tax-exempt and not-for-profit organizations for which we receive management and performance-related fees.\n\u2022\nOther separately managed accounts, including those offered through models that represent assets under advisement.\n\u2022\nManagement of owned assets such as assets held in the general account of our RiverSource Life companies, Ameriprise Certificate Company and Ameriprise\nBank.\n\u2022\nManagement of CLOs, which includes providing collateral management services to special purpose vehicles that primarily invest in syndicated bank loans and\nissue multiple tranches of securities collateralized by the assets for which we earn fees based on the value of assets and performance-based fees.\n\u2022\nPrivate funds of various types where we provide investment management and related services to private, pooled investment vehicles organized as limited\npartnerships, limited liability companies, or other entities for which we may receive fees based on the value of the assets or performance-based fees.\n\u2022\nCollective funds and separately managed accounts sponsored by Ameriprise Trust Company (\u201cATC\u201d) and offered to certain qualified institutional clients such\nas retirement, pension, and profit-sharing plans for which we receive management fees.\n\u2022\nSub-advised accounts for certain U.S. and non-U.S. funds, private banking individually managed accounts, common trust funds, and other portfolios sponsored\nor advised by other firms for which we earn management fees and possibly performance-based fees.\nDistribution\nWe maintain distribution teams and capabilities that aid the sales, marketing, and support of the products and services of our global asset management business.\nThese distribution activities are generally organized into two major categories: retail distribution and institutional/high net worth distribution. However, alternatives\nand certain other areas have a level of specialized distribution.\nOur Segments - Retirement & Protection Solutions\nRiverSource solutions are one way we deliver on the Ameriprise client experience and \nConfident Retirement\n approach. We offer clients annuities, life insurance and\ndisability income insurance products to meet their needs or current stage in life\u2014whether that is covering essentials, ensuring lifestyle, preparing for the unexpected\nor leaving a legacy. RiverSource seeks to partner with our advisors to address clients\u2019 goals and long-term needs at a differentiated level and provide a strong risk\nprofile.\nRetirement Solutions\nThrough our advisors, we provide \nRiverSource\n annuity products to clients to help individuals address their asset accumulation and income goals. Our advisor\nnetwork is the only distributor of new \nRiverSource\n annuity products, although advisors offer fixed, variable, and structured annuities from selected unaffiliated\ninsurers. As part of the continued evolution of the business model for our Retirement & Protection Solutions segment, we focus on the accumulation solutions\nclients want (such as the structured variable annuity, a registered index-linked annuity).\nRevenues for our variable annuity products are primarily earned as fees based on a contractholder\u2019s benefit base, contract value or separate account values, which is\nimpacted by both market movements and net asset flows. We also earn net investment income on general account assets supporting reserves for non-life contingent\npayout annuities, structured variable annuities, certain guaranteed benefits and fixed investment options offered with variable annuities, and on capital supporting\nthe business. In addition, we receive fees charged on assets allocated to our separate accounts to cover administrative costs and a portion of the management fees\nfrom the underlying investment accounts in which assets are invested. Revenues for our payout annuities with a life contingent feature are earned as premium\nrevenue. Intersegment revenues for this segment reflect fees paid by our Asset Management segment for marketing support and other services provided in\nconnection with the availability of VIT Funds. Intersegment expenses for this segment include distribution expenses for services provided by our Advice & Wealth\nManagement segment, as well as expenses for investment management services provided by our Asset Management segment. All intersegment activity is eliminated\nin our consolidated results.\nProtection\nWe provide life and disability income insurance products to address the protection and risk management needs of our retail clients. New \nRiverSource\n insurance\nproducts are exclusively offered through our advisor network. Our advisors also offer insurance products of unaffiliated carriers. The primary sources of revenues for\nour protection business are premiums, fees and charges we receive to assume insurance-related risk. We earn net investment income on owned assets supporting\ninsurance reserves and on capital supporting the business.", "049235cc-d54f-483c-b694-ece5e8fa4a02": "Intersegment revenues for this segment reflect fees paid by our Asset Management segment for marketing support and other services provided in\nconnection with the availability of VIT Funds. Intersegment expenses for this segment include distribution expenses for services provided by our Advice & Wealth\nManagement segment, as well as expenses for investment management services provided by our Asset Management segment. All intersegment activity is eliminated\nin our consolidated results.\nProtection\nWe provide life and disability income insurance products to address the protection and risk management needs of our retail clients. New \nRiverSource\n insurance\nproducts are exclusively offered through our advisor network. Our advisors also offer insurance products of unaffiliated carriers. The primary sources of revenues for\nour protection business are premiums, fees and charges we receive to assume insurance-related risk. We earn net investment income on owned assets supporting\ninsurance reserves and on capital supporting the business. We also receive fees based on the level of the RiverSource Life companies\u2019 separate account assets\nsupporting variable universal life investment options. The protection products earn intersegment revenues from fees paid by our Asset Management segment for\nmarketing support and other services provided in connection with the availability of VIT Funds under the variable universal life contracts. Intersegment expenses for\nthe protection products include distribution expenses for services provided by our Advice & Wealth Management segment, as well as expenses for investment\nmanagement services provided by our Asset Management segment. All intersegment activity is eliminated in our consolidated results.\n\u00ae\n6", "1aec32d4-fc72-4e1d-a250-7bc2d4ccc110": "Index\nAmeriprise Financial, Inc.\nProducts\nThrough the RiverSource Life companies, we currently offer the following products:\n\u2022\nVariable annuities provide returns linked to underlying investments of the contractholder\u2019s choice of certain funds, as well as additional benefits, such as\nguaranteed minimum death benefits (but without living benefits for new sales after mid-2022).\n\u2022\nStructured variable annuities use the performance of an underlying equity market index to determine earnings, subject to either a cap or floor.\n\u2022\nVariable universal life insurance provides life insurance coverage along with investment returns linked to underlying investment accounts of the policyholder\u2019s\nchoice.\n\u2022\nUniversal life insurance credits interest at fixed interest rates. Universal life insurance may also contain product features that credit interest at a rate linked to an\nunderlying equity market index.\n\u2022\nTerm life insurance provides a death benefit, but it does not accumulate cash value.\n\u2022\nDisability income insurance provides monthly benefits to individuals who are unable to earn income either at their occupation at time of disability or at any\nsuitable occupation for premium payments that are guaranteed not to change.\nOur sales of \nRiverSource\n individual life insurance in 2023, as measured by scheduled annual premiums, lump sum and excess premiums and single premiums,\nconsisted of approximately 95% variable universal life, 2% universal life and 3% term life.\nReinsurance\nWe reinsure a portion of the insurance risks associated with our currently offered life and disability income products (as well as previously sold fixed annuity, fixed\nindexed annuity, life contingent payout annuity and long term care products) through reinsurance agreements with unaffiliated reinsurance companies. We use\nreinsurance to limit losses, reduce exposure to large risks and provide additional capacity for continued product offerings. To manage exposure to losses from\nreinsurer insolvencies, we evaluate the financial condition of reinsurers prior to entering into new reinsurance treaties and on a periodic basis during the terms of the\ntreaties. Our RiverSource Life companies remain primarily liable as the direct insurers on all risks reinsured. See Note 7 and Note 8 to our Consolidated Financial\nStatements included in Part II, Item 8 of this Annual Report on Form 10-K for additional information on reinsurance. At a general level, we reinsure some or all of the\nfollowing (with the closed blocks in our Corporate & Other segment):\nProduct\nReinsurance Type\nTerm Life and Disability Income\nCoinsurance\nUniversal Life & Variable Universal Life\nRenewable Term\nLife Contingent Payout Annuity\nCoinsurance\nFixed Annuity (closed block in Corporate & Other)\nCoinsurance\nLong Term Care (closed block in Corporate & Other)\nCoinsurance\nOur Segments - Corporate & Other\nOur Corporate & Other segment consists of closed blocks of business and net investment income or loss on corporate level assets, including excess capital held in\nour subsidiaries and other unallocated equity and other revenues as well as unallocated corporate expenses.\nClosed Block Long Term Care Insurance\nPrior to December 31, 2002, the RiverSource Life companies underwrote stand-alone long term care (\u201cLTC\u201d) insurance. We discontinued offering LTC insurance as of\nDecember 31, 2002. A large majority of our closed block LTC is comprised of nursing home indemnity LTC or comprehensive reimbursement LTC. Generally, our\npolicyholders are eligible for LTC benefits if they become cognitively impaired or unable to perform certain activities of daily living.\nNursing home indemnity LTC policies provide a predefined daily benefit if the insured is confined to a nursing home, subject to various maximum benefit periods,\nregardless of actual expenses of the policyholder. Our older generation nursing home indemnity LTC policies were primarily written between 1989 through 1999 and\nrepresent nearly one half of our policies.\nComprehensive reimbursement LTC policies provide a predefined maximum daily benefit if the insured is confined to a nursing home and covers a variety of LTC\nexpenses, including assisted living, home and community care, adult day care and similar placement programs, subject to various maximum total benefit payment\npools, on a cost-reimbursement basis. Our second-generation comprehensive reimbursement LTC policies were written from 1997 until 2002.\nOur closed block LTC was sold on a guaranteed renewable basis which allows us to re-price in force policies, subject to regulatory approval. Premium rates for LTC\npolicies vary by age, benefit period, elimination period, home care coverage and benefit increase option. Premium rates are based on assumptions concerning\nmorbidity, mortality, persistency, administrative expenses, investment income and profit. We develop our assumptions based on our own claims and persistency\nexperience.", "87c19301-8476-413f-8c02-4b0d059d670b": "Comprehensive reimbursement LTC policies provide a predefined maximum daily benefit if the insured is confined to a nursing home and covers a variety of LTC\nexpenses, including assisted living, home and community care, adult day care and similar placement programs, subject to various maximum total benefit payment\npools, on a cost-reimbursement basis. Our second-generation comprehensive reimbursement LTC policies were written from 1997 until 2002.\nOur closed block LTC was sold on a guaranteed renewable basis which allows us to re-price in force policies, subject to regulatory approval. Premium rates for LTC\npolicies vary by age, benefit period, elimination period, home care coverage and benefit increase option. Premium rates are based on assumptions concerning\nmorbidity, mortality, persistency, administrative expenses, investment income and profit. We develop our assumptions based on our own claims and persistency\nexperience. In line with the market, we have pursued nationwide premium rate increases for many years and expect to continue to pursue rate increases over the next\nseveral years. In general, since very little of our LTC business is subject to rate stability regulation, we have historically followed a policy of pursuing smaller, more\nfrequent increases in order to align policyholder and historic shareholder objectives but modified our approach\n7", "e95b4e92-259f-4e67-aed1-ccde1136a43d": "Index\nAmeriprise Financial, Inc.\nin 2019 to seek larger increases as an additional method to manage the LTC business. We also provide policyholders with options to reduce their coverage to lessen\nor eliminate the additional financial outlay that would otherwise result.\nFor existing LTC policies, RiverSource Life has continued ceding 50% of the risk on a coinsurance basis to subsidiaries of Genworth Financial, Inc. (\u201cGenworth\u201d) and\nretains the remaining risk. For RiverSource Life of NY, this reinsurance arrangement applies for 1996 and later issues only. Under these agreements, we have the right,\nbut never the obligation, to recapture some, or all, of the risk ceded to Genworth.\nFor more information regarding LTC, see \u201cManagement\u2019s Discussion and Analysis of Financial Condition and Results of Operations \u2013 Corporate & Other\u201d included\nin Part II, Item 7 of this Annual Report on Form 10-K.\nClosed Block Fixed Annuities\nIn 2020, we discontinued new sales of fixed annuities and moved the Fixed Annuities and Fixed Indexed Annuities blocks to the Corporate & Other segment as a\nclosed block. In this closed block, as of December 31, 2023, we have $6.3 billion of account value associated with our fixed annuities of which 89% has been ceded by\nRiverSource Life on a coinsurance basis to Global Atlantic Financial Group\u2019s subsidiary Commonwealth Annuity and Life Insurance Company (\u201cCommonwealth\u201d)\nunder customary reinsurance arrangements with a comfort trust. For the ceded policies, RiverSource Life ceded 100% of the risk on a coinsurance basis.\nCompetition\nWe operate in a highly competitive global industry. As a diversified financial services firm, we compete directly with a variety of financial institutions, including\nregistered investment advisers, securities brokers, asset managers, banks and insurance companies. We directly compete for the provision of products and services\nto clients, as well as for our financial advisors and investment management personnel. Certain of our competitors offer web-based or mobile-based financial services\nand discount brokerage services, usually with lower levels of service, to individual clients, and we increasingly compete with various financial technology companies.\nOur Advice & Wealth Management segment competes with securities broker-dealers, independent broker-dealers, financial planning firms, registered investment\nadvisers, insurance companies and other banks and financial institutions to attract and retain financial advisors and clients. Competitive factors influencing our\nability to attract and retain financial advisors include compensation structures, brand recognition and reputation, product offerings and innovation, growth\nopportunities, and technology and service capabilities and support. Further, our financial advisors compete for clients with a range of other advisors, broker-dealers\nand direct channels. This includes wirehouses, regional broker-dealers, independent broker-dealers, insurers, banks, asset managers, registered investment advisers\nand direct distributors. Competitive factors influencing our ability to attract and retain clients include quality of advice provided, price, reputation, advertising and\nbrand recognition, product offerings, technology offerings for clients and advisors and service quality.\nOur Asset Management segment competes on a global basis against a substantial number of firms to acquire and retain managed and administered assets, including\nfirms in the categories listed above. Competitive factors influencing our performance in this industry include investment performance, product offerings and\ninnovation, product ratings, fee structures, advertising, technology and service quality, brand recognition, reputation and the ability to attract and retain investment\npersonnel. Furthermore, changes in investment preferences or investment management strategy (for example, \u201cactive\u201d or \u201cpassive\u201d investing styles), client interest in\nfunds with particular environmental, social, or governance practices, client or regulatory requirements on use of client commissions for research, and downward\npressure on fees may present various challenges to our business and could cause clients to favor certain competitors, such as those that focus more on \u201cpassive\u201d or\n\u201cvalue-style\u201d investing. The impact of these factors on our business may vary from country to country and certain competitors may have competitive advantage in\ncertain jurisdictions.\nCompetitors of our Retirement & Protection Solutions segment consist of both stock and mutual insurance companies. Competitive factors affecting the sale of\nvariable annuity and insurance products include distribution capabilities, price, product features and innovation, hedging capability, investment performance,\ncommission structure, reinsurance availability and pricing, perceived financial strength and financial strength ratings, claims-paying ratings, technology and service,\nadvertising, brand recognition and financial strength ratings from rating agencies.\nHuman Capital Management\nAmeriprise Financial has a strong values-driven and inclusive culture that is the foundation of all that we do.", "ba7010e9-33a4-4336-a602-780e882e5a4b": "The impact of these factors on our business may vary from country to country and certain competitors may have competitive advantage in\ncertain jurisdictions.\nCompetitors of our Retirement & Protection Solutions segment consist of both stock and mutual insurance companies. Competitive factors affecting the sale of\nvariable annuity and insurance products include distribution capabilities, price, product features and innovation, hedging capability, investment performance,\ncommission structure, reinsurance availability and pricing, perceived financial strength and financial strength ratings, claims-paying ratings, technology and service,\nadvertising, brand recognition and financial strength ratings from rating agencies.\nHuman Capital Management\nAmeriprise Financial has a strong values-driven and inclusive culture that is the foundation of all that we do. While our individual business lines serve different client\nneeds, we have a common vision and values that drive our business and how we work with clients and each other. Our values are the following:\n\u2022\nClient focused;\n\u2022\nIntegrity always;\n\u2022\nExcellence in all we do; and\n\u2022\nRespect for the individuals and for the communities in which we live and work.\nTo ensure our long-term success, we must attract, retain, engage and develop a diverse, high-performing workforce. We are committed to providing an excellent\nemployee and advisor experience for all of our people. This includes approximately 13,800 global\n8", "6927c10b-2dd9-4ba2-8c27-a28f49093720": "Index\nAmeriprise Financial, Inc.\nemployees, including our corporate employees and employee financial advisors. We have approximately 8,400 non-employee advisors who choose to affiliate with us\nthrough our franchise advisor group.\nLeadership and training are core to our culture and history, and we offer an extensive employee development curriculum, broad resources and a comprehensive and\ncompetitive benefits program to support our employees in their growth and well-being. This includes extensive professional development programs supporting both\nnew employees and those who are longer-tenured to help them grow and explore their career potential at Ameriprise. Starting in 2023, we worked closely with leaders\nto prioritize organizational stewardship, leadership excellence and operating effectiveness as we executed our business plans.\nWe continually invest in our human capital programs and capabilities to ensure a highly competitive employee value proposition and offer a framework for employees\nand prospective employees to understand the investments we make in them, including our culture, compensation and benefits, well-being, work environment and\ncareer development.\nOur Board of Directors engages in these topics and annually reviews our senior executive succession plans and broader talent development status in support of our\ncorporate strategy, and frequently discusses talent topics at meetings. The Board and the Compensation and Benefits Committee are regularly updated on human\ncapital management topics and dedicate time to reviewing and discussing our company culture, talent development, retention and recruiting initiatives, diversity, our\nequity and inclusion (\u201cDEI\u201d) strategy, and our annual engagement survey feedback.\nIn 2023, our strong corporate culture yielded the following results:\n\u2022\nOur employee engagement results are among the strongest in the industry \u2013 exceeding industry benchmarks overall at 85% with particular strength in the metrics\nof integrity, leader effectiveness, respect, and client focus. Consistent with prior years, we had strong participation with 94% of employees participating in our\nsurvey.\n\u2022\nWe prioritize professional development, with 96% of our employees participating in development training. We continue to invest in our employees\u2019 development,\nand, in addition to annual training requirements and annual compliance training, we encourage all employees to participate in our professional development\nprograms, including core curriculum for new hires and a Transformational Leader Program for officers. Leaders are further supported by a broad selection of\nonline courses, workshops, mentoring opportunities, networking events and peer-to-peer programs.\n\u2022\nIn addition to recruiting talented professionals to join Ameriprise, we retained 95% of our high-performing employees.\n\u2022\nWithin our advisor force, the retention rate among affiliated advisors who have been with us for more than 10 years remained strong at 94%.\n\u2022\nWe have also continued to attract experienced, productive advisors, with 412 experienced advisors moving their practices to Ameriprise in 2023 and\napproximately 1,734 over the last 5 years.\n\u2022\nOur global workforce is comprised of 40% women and among our U.S.-based employees 21% are ethnically diverse. \nMore detail on our workforce composition\nwith a summary of our Equal Employment Opportunity metrics can be found in our Ameriprise Responsible Business report, which is available on our website.\nInformation contained on or accessible through our websites is not incorporated into and does not form a part of this Form 10-K or any other report or document\nwe file with the U.S. Securities and Exchange Commission (\u201cSEC\u201d), and any references to our websites are intended to be inactive textual references only.\nWith regard to DEI, our vision is to foster an inclusive culture and diverse workforce so that everyone at Ameriprise believes they can belong, grow and contribute to\na culture that helps them realize their potential. One way in which we measure our progress is through our updated Inclusion Index from our engagement survey\nwhere we achieved a score of 85% in 2023, which exceeds the industry benchmark. These results and our progress are guided by our comprehensive DEI strategy and\nplan that is approved by the Chairman and CEO and reviewed by our Board of Directors. We invest in programs to attract, retain and advance diverse talent,\nincluding a robust leadership development curriculum for employees and advisors. In 2023, we hosted our 6\n Annual Global Inclusion Celebration, which included\nover 5,300 attendees.\nOur focus on fostering a diverse and inclusive culture is also reflected in the policies and practices that promote a safe, inclusive and respectful workplace. Our 13\nbusiness resource networks engage more than 21,000 participants globally each year to help promote cultural awareness and community involvement while providing\nemployees and advisors with wellness and career development resources.\nAnother important priority is our investment in our total rewards and benefits programs that are designed to attract, retain, and motivate employees with deliberate\nalignment of rewards with performance.", "ede64f8a-4651-46a4-b07c-8dde70695ada": "These results and our progress are guided by our comprehensive DEI strategy and\nplan that is approved by the Chairman and CEO and reviewed by our Board of Directors. We invest in programs to attract, retain and advance diverse talent,\nincluding a robust leadership development curriculum for employees and advisors. In 2023, we hosted our 6\n Annual Global Inclusion Celebration, which included\nover 5,300 attendees.\nOur focus on fostering a diverse and inclusive culture is also reflected in the policies and practices that promote a safe, inclusive and respectful workplace. Our 13\nbusiness resource networks engage more than 21,000 participants globally each year to help promote cultural awareness and community involvement while providing\nemployees and advisors with wellness and career development resources.\nAnother important priority is our investment in our total rewards and benefits programs that are designed to attract, retain, and motivate employees with deliberate\nalignment of rewards with performance. Weighing both individual goal achievement (the \u201cwhat\u201d) and leadership performance (the \u201chow\u201d) is critical to driving strong\nbusiness results. We have a competitive total rewards approach that includes base salary, annual cash awards and long-term incentives, as well as a comprehensive\nbenefits strategy for employees that focuses on physical, social, emotional and financial wellness.\nIn an evolving and highly competitive industry, we have continued to successfully execute on our strategy and deliver solid performance, reflecting the strength and\nresiliency of our values-based, inclusive culture and the effectiveness of our human capital strategy.\nth\n9", "f374adc3-948e-42dc-8a11-625177956d08": "Index\nAmeriprise Financial, Inc.\nIntellectual Property\nWe rely on a combination of contractual rights and copyright, trademark, and patent registrations and trade secret laws to establish and protect our intellectual\nproperty. In the U.S. and other jurisdictions, we have established and registered, or filed applications to register, certain trademarks and service marks that we\nconsider important to the marketing of our products and services, including but not limited to the \nAmeriprise Financial, Threadneedle, RiverSource, Columbia\nThreadneedle and Columbia Threadneedle Investments \nbrands. We have in the past and will continue to establish and protect our intellectual property rights.\nEnterprise Risk Management\nEnterprise risk management and our risk management program is an important component in how we manage our business. All operating subsidiaries of Ameriprise\nmust comply with our enterprise risk management policy and framework, which: (i) establishes a structure for effective enterprise risk management, including\noversight and governance; (ii) delineates key constituent roles and responsibilities; and (iii) imposes a number of core risk management processes. The enterprise risk\nmanagement policy is designed to manage risks that may impact Ameriprise, including capital, credit, market, liquidity, operational, strategic, reputational, legal and\ncompliance, and product. The enterprise risk management policy is supported by underlying risk policies at business units that provide further detail on the business\nunit\u2019s risk governance, appetite, and tolerance.\nRegulation\nVirtually all aspects of our business, including the activities of the parent company and our subsidiaries, are subject to various federal, state, local and foreign laws\nand regulations. These laws and regulations provide broad regulatory, administrative and enforcement powers to supervisory agencies and other bodies, including\nU.S. federal and state regulatory and law enforcement agencies, foreign government agencies or regulatory bodies and U.S. and foreign securities exchanges. The\ncosts of complying with such laws and regulations are significant and increasing, and the consequences for the failure to comply may include civil or criminal\ncharges, fines, censure, the suspension of individual employees, restrictions on or prohibitions from engaging in certain lines of business (or in certain states or\ncountries), revocation of certain registrations and reputational damage. We have made and expect to need to continue to make significant investments in our\ncompliance and supervision processes, enhancing policies, procedures and oversight to monitor our compliance with the numerous legal and regulatory requirements\napplicable to our business.\nWe operate in a highly scrutinized regulatory environment and it remains subject to change. Regulatory developments, both in and outside of the U.S., have resulted\nor are expected to result in greater regulatory oversight and internal compliance obligations for firms across the financial services industry. In addition, we continue\nto see enhanced legislative and regulatory interest regarding retirement investing and fiduciary initiatives, as well as environmental, social and governance (\u201cESG\u201d)\nconsideration and responsible investing; cybersecurity and resilience; the use of artificial intelligence; responsible information and data collection, storage and use;\nfinancial crime prevention; and privacy matters, and we will continue to closely review and monitor any legislative or regulatory proposals and changes. States in the\nU.S. and jurisdictions outside the U.S. continue to add new complexity to the patchwork of laws and regulations already in existence relating to privacy,\ncybersecurity, artificial intelligence and other areas and we are expecting similar new laws at the federal level and in multiple states in the U.S. The same complexity\nresulting from multiple standards exists for retirement investing where individual states and federal regulators continue to propose or enact their own rules. These\nlegal and regulatory changes have impacted and may in the future impact how we are regulated and how we operate and govern our businesses.\nThe discussion and overview set forth below provides a general framework of the primary laws and regulations impacting our businesses. Certain of our subsidiaries\nmay be subject to one or more elements of this regulatory framework depending on the nature of their business, the products and services they provide and the\ngeographic locations in which they operate. To the extent the discussion includes references to statutory and regulatory provisions, it is qualified in its entirety by\nreference to these statutory and regulatory provisions and is current only as of the date of this report.\n10", "fc279478-f184-49ca-aa72-ea3d13e40290": "Index\nAmeriprise Financial, Inc.\nSlide 5 - Regulatory Oversight Chart.jpg\nAdvice & Wealth Management Regulation\nCertain of our subsidiaries are registered with the SEC as broker-dealers under the Securities Exchange Act of 1934 (\u201cExchange Act\u201d) and with certain states, the\nDistrict of Columbia and other U.S. territories. Our broker-dealer subsidiaries are also members of self-regulatory organizations, including Financial Industry\nRegulatory Authority (\u201cFINRA\u201d), and are subject to the regulations of these organizations. The SEC and FINRA have stringent rules with respect to the net capital\nrequirements (which includes rules around customer protection) and the marketing and trading activities of broker-dealers. Our broker-dealer subsidiaries, as well as\nour financial advisors and other personnel, must obtain all required state and FINRA licenses and registrations to engage in the securities business and take certain\nsteps to maintain such registrations in good standing. SEC regulations also impose notice requirements and capital\n11", "fc7a8891-a923-4148-a742-3ae706d6a3e4": "Index\nAmeriprise Financial, Inc.\nlimitations on the payment of dividends by a broker-dealer to a parent, and they have proposed regulations regarding cybersecurity programs and the public\nreporting of incidents impacting broker-dealers like ours.\nOur financial advisors are representatives of a dual registrant, meaning it is registered both as an investment adviser under the Investment Advisers Act of 1940\n(\u201cAdvisers Act\u201d) and as a broker-dealer. Our advisors are subject to various regulations that impact how they operate their practices, including those related to\nsupervision, sales methods, trading practices, information security, record-keeping and financial reporting. In addition, because our independent contractor advisor\nplatform is structured as a franchise system, we are also subject to Federal Trade Commission and state franchise requirements. We continue to see enhanced\nlegislative and regulatory interest regarding retirement investing and financial advisors, including proposed rules, regulatory priorities or general discussions around\ntransparency and disclosure in advisor compensation and recruiting, identifying and managing conflicts of interest and enhanced data collection.\nThe SEC\u2019s Regulation Best Interest standard of care became effective June 30, 2020 and the SEC continues to issue various statements and other guidance on\ncomplying with the regulation. Furthermore, several states have either issued their own best interest or fiduciary rules or are considering doing so and those rules\nmay be limited to certain types of products (e.g., insurance and annuities, financial planning, etc.) or may broadly cover all recommendations made by financial\nadvisors. The U.S. Department of Labor (\u201cDOL\u201d) finalized its voluntary exemption for providing investment advice to retirement account clients and has reinstated\nprior guidance for determining who is an investment advice fiduciary under pension regulations. While not a regulator, the Certified Financial Planner Board\nprofessional standards of conduct includes a fiduciary standard that applies to financial advisors who hold a Certified Financial Planner designation. Considering the\nvarious fiduciary rules and regulations that continue to be proposed, finalized, and sometimes withdrawn or amended, we continue to exert significant efforts to\nevaluate and prepare to comply with each rule.\nOther agencies, exchanges and self-regulatory organizations of which certain of our broker-dealer subsidiaries are members, and subject to applicable rules and\nregulations of, include the Commodities Futures Trading Commission (\u201cCFTC\u201d) and the National Futures Association (\u201cNFA\u201d). Certain subsidiaries may also be\nregistered as insurance agencies and may be subject to the regulations described in the following sections.\nAsset Management Regulation\nU.S. Regulation\nCertain of our asset management subsidiaries are registered as investment advisers under the Advisers Act and are subject to regulation by the SEC. The Advisers\nAct imposes numerous obligations on registered investment advisers, including fiduciary duties, disclosure obligations and record-keeping, and operational and\nmarketing restrictions. Our registered investment advisers may also be subject to certain obligations of the Investment Company Act based on their status as\ninvestment advisers to U.S. registered investment companies that we, or third parties, sponsor. As noted earlier, we continue to see enhanced legislative and\nregulatory interest regarding financial services in the U.S. through rules, regulatory priorities or general discussion. This trend is especially true globally where\nregulators remain active, including in Europe. Any future regulation could potentially require new approaches which increase our regulatory burdens and costs.\nMany aspects of the regulation that applies to our Advice & Wealth Management segment also apply to our Asset Management segment. For example, Columbia\nManagement Investment Distributors, Inc. is registered as a broker-dealer for the limited purpose of acting as the principal underwriter and distributor for \nColumbia\nManagement\n funds and other products. Additionally, the Employee Retirement Income Security Act of 1974, as amended (\u201cERISA\u201d), the SEC\u2019s best interest\nstandards, state and other fiduciary or best interest rules, as well as other similar standards and any rulemaking from the DOL would be relevant to our global asset\nmanagement business. We continue to review and analyze the potential impact of these regulations across each of our business lines.\nIn addition, certain of our asset management subsidiaries are registered with the CFTC as a commodity trading advisor and commodity pool operator and are also\nmembers of the NFA. In this regard, we are subject to additional registration and reporting requirements with respect to certain registered investment companies and\nother pooled vehicles that use or trade in futures, swaps and other derivatives that are subject to CFTC regulation.\nU.K. Regulation\nOutside of the U.S., Columbia Threadneedle is authorized to conduct its financial services business in the U.K. under the Financial Services and Markets Act 2000.", "58563a0e-ab47-46aa-918e-f57d4fd15a1d": "We continue to review and analyze the potential impact of these regulations across each of our business lines.\nIn addition, certain of our asset management subsidiaries are registered with the CFTC as a commodity trading advisor and commodity pool operator and are also\nmembers of the NFA. In this regard, we are subject to additional registration and reporting requirements with respect to certain registered investment companies and\nother pooled vehicles that use or trade in futures, swaps and other derivatives that are subject to CFTC regulation.\nU.K. Regulation\nOutside of the U.S., Columbia Threadneedle is authorized to conduct its financial services business in the U.K. under the Financial Services and Markets Act 2000. A\nnumber of legal entities in the\n Columbia Threadneedle\n business are currently regulated by the Financial Conduct Authority (\u201cFCA\u201d) and one entity in the \nColumbia\nThreadneedle\n business is also regulated by the Prudential Regulation Authority (\u201cPRA\u201d). FCA and PRA rules impose certain capital, operational and compliance\nrequirements and allow for disciplinary action in the event of noncompliance. As with the U.S. regulatory environment, we continue to see enhanced legislative and\nregulatory interest regarding financial services. Key U.K. regulatory developments and trends include the following:\n\u2022\nOperational Resilience:\n Under this new U.K. regulatory requirement, in scope firms must identify their important business services, which if unavailable, could\ncause intolerable harm to clients, which they could not reasonably recover, or market disruption. The regulations introduce a new concept of impact tolerance\nand firms are also required to stress test their important business services and appoint a senior manager accountable for the regime.\n12", "00a51bee-74cb-4496-8607-ea40ff30209a": "Index\nAmeriprise Financial, Inc.\n\u2022\nFinancial Resilience:\n European Union (\u201cEU\u201d) and U.K. regulators have revised the prudential regime applying to asset managers and investment firms. This is\nbeing phased in over a five-year period and introduces a number of new concepts, including new capital requirements.\n\u2022\nFCA Consumer Duty:\n The FCA recently introduced a new Consumer Duty that sets higher expectations for the standard of care that firms provide to retail\nconsumers.\n\u2022\nSustainability Disclosure Requirements\n: The FCA recently finalized new requirements that will take effect during 2024 and 2025 that will introduce new ESG retail\nproduct labels, naming and marketing rules, additional ESG disclosure requirements both at an entity and product level, and an anti-greenwashing rule covering\nall products and services irrespective of the investor category.\n\u2022\nDEI\n: The FCA recently launched a consultation on a potential new regulatory framework on diversity and inclusion in the financial sector. The consultation also\nincorporated additional proposed rules around firms\u2019 handling of non-financial misconduct in the context of adherence to the FCA\u2019s conduct and fitness and\npropriety regimes.\nOur U.K. asset management business must comply with local EU and country requirements as a non-EU firm, which includes leveraging our various EU-based\naffiliated entities (such as those in Luxembourg and the Netherlands) to provide services and marketing to EU clients and investors. We continue to actively monitor\nthe political activity around Brexit, including with respect to the continued permissibility of the delegation of asset management services from the EU to non-EU\ncountries such as the U.S. and U.K. We have an established fund range domiciled in Luxembourg (both UCITS and Alternative Investment Funds), Ireland and the\nNetherlands, along with Luxembourg-based and Netherlands-based affiliated management companies. Our Luxembourg and Netherlands affiliates may perform fund\nmanagement, administration and distribution functions. Therefore, we are well placed to continue to serve investors in the EU.\nPan-European and Other Non-U.S. Regulation\nIn addition to the above, certain of our asset management subsidiaries and branches are required to comply with pan-European directives as issued by the European\nCommission and adopted by EU member states. Certain of these directives have impacted and will continue to impact our global asset management business. For\nexample, certain of our asset management subsidiaries are required to comply with the Markets in Financial Instruments Directive (\u201cMiFID II\u201d), Markets in Financial\nInstruments Regulation (\u201cMiFIR\u201d), Alternative Investment Fund Managers Directive (\u201cAIFMD\u201d), European Market Infrastructure Regulation (\u201cEMIR\u201d) , UCITS and\nthe Sustainable Finance Disclosure Regulation (\u201cSFDR\u201d) and the Packaged Retail and Insurance-based Investment Products Regulation (\u201cPRIIPs\u201d). \nThese\nrequirements impact the way we manage assets and place, settle and report on trades for our clients, as well as market to clients and prospects. Similar to the\ndevelopments in the U.S., we continue to see enhanced legislative and regulatory interest regarding financial services through international markets, including in the\nU.K. and EU where we have a substantial asset management business. These international rules, proposed rules, regulatory priorities or general discussions may\nimpact us directly or indirectly, including as a regulated entity or as a service provider to, or a business receiving services from or engaging in transactions with,\nregulated entities. In addition to regulations noted in this section, within the EU and the U.K. we have been and will continue to address regulatory reforms or\nstructural changes including but not limited to: Sustainable Disclosure Regulation (\u201cSDR\u201d), U.K. Retail Disclosure framework, AIFMD II,\n \nDigital Operational\nResilience Act (\u201cDORA\u201d), and Corporate Sustainability Reporting Directive (\u201cCSRD\u201d). In addition, although the U.K. has now left the EU, the U.K. regulators may\nchoose to implement future EU regulations and apply them in the U.K. potentially with significant variation from the EU regulations and potentially increasing the\ncomplexity and costs for our compliance with divergent sets of rules.\nColumbia Threadneedle \ncompanies or activities are also subject to various local country or jurisdiction regulations and to corresponding regulators in Europe,\nCanada, Dubai, Hong Kong, Singapore, South Korea, South America and Australia. With our growth in the EU, we have (and will continue to have) greater\nengagement with the Luxembourg, Irish and Dutch regulators.\nOther Securities Regulation\nAmeriprise Certificate Company is regulated as an investment company under the Investment Company Act. As a registered investment company, Ameriprise\nCertificate Company must observe certain governance, disclosure, record-keeping, operational and marketing requirements.", "5e053deb-3e52-4405-ab22-0013dc620d55": "In addition, although the U.K. has now left the EU, the U.K. regulators may\nchoose to implement future EU regulations and apply them in the U.K. potentially with significant variation from the EU regulations and potentially increasing the\ncomplexity and costs for our compliance with divergent sets of rules.\nColumbia Threadneedle \ncompanies or activities are also subject to various local country or jurisdiction regulations and to corresponding regulators in Europe,\nCanada, Dubai, Hong Kong, Singapore, South Korea, South America and Australia. With our growth in the EU, we have (and will continue to have) greater\nengagement with the Luxembourg, Irish and Dutch regulators.\nOther Securities Regulation\nAmeriprise Certificate Company is regulated as an investment company under the Investment Company Act. As a registered investment company, Ameriprise\nCertificate Company must observe certain governance, disclosure, record-keeping, operational and marketing requirements. Ameriprise Certificate Company pays\ndividends to the parent company and is subject to capital requirements under applicable law and understandings with the SEC and the Minnesota Department of\nCommerce (Banking Division).\nAmeriprise Trust Company is primarily regulated by the Minnesota Department of Commerce (Banking Division) and is subject to capital adequacy requirements\nunder Minnesota law. It is prohibited from accepting deposits or making personal or commercial loans. As a provider of products and services to tax-qualified\nretirement plans and IRAs, certain aspects of our business, including the activities of our trust company, fall within the compliance oversight of the DOL and the\nDepartment of Treasury, particularly regarding the enforcement of ERISA, and the tax reporting requirements applicable to such accounts. Ameriprise Trust\nCompany, as well as our investment adviser subsidiaries, may be subject to ERISA, and the regulations thereunder, insofar as they act as a \u201cfiduciary\u201d under ERISA\nwith respect to certain ERISA clients.\nInsurance Regulation\nOur insurance subsidiaries are subject to supervision and regulation by states and other territories where they are domiciled or otherwise licensed to do business.\nThese regulations impact our Retirement & Protection Solutions segment and our closed-blocks\n13", "d5a2ac36-8463-438b-abdc-11328246f3a8": "Index\nAmeriprise Financial, Inc.\nincluded in Corporate & Other segment. The primary purpose of this regulation and supervision is to protect the interests of contractholders and policyholders. In\ngeneral, state insurance laws and regulations govern standards of solvency, capital requirements, the licensing of insurers and their agents, premium rates, policy\nforms, the nature of and limitations on investments, periodic reporting requirements and other matters. In addition, state regulators conduct periodic examinations\ninto insurer market conduct and compliance with insurance and securities laws. RiverSource Life Insurance Company is domiciled in Minnesota and regulated by the\nMinnesota Department of Commerce (\u201cMN DOC\u201d) and RiverSource Life Insurance Co. of New York is domiciled in New York and regulated by the New York State\nDepartment of Financial Services (\u201cNY DFS\u201d), together with MN DOC the \u201cDomiciliary Regulators\u201d. In addition to being regulated by their Domiciliary Regulators,\nour RiverSource Life companies are regulated by each of the insurance regulators in the states where each is authorized to transact business. Financial regulation of\nour RiverSource Life companies is extensive, and their financial transactions (such as intercompany dividends and investment activity) may be subject to pre-\napproval and/or continuing evaluation by the Domiciliary Regulators.\nAspects of the regulation applicable to our Advice & Wealth Management segment also apply to our Retirement & Protection Solutions segment and the closed\nblocks in our Corporate & Other segment. For example, RiverSource Distributors, Inc. is registered as a broker-dealer for the limited purpose of acting as the principal\nunderwriter and/or distributor for our \nRiverSource\n annuities and insurance products sold through Ameriprise Financial Services, LLC (\u201cAFS\u201d) and third-party\nchannels. Additionally, ERISA, the SEC\u2019s best interest standards, state and other fiduciary or best interest rules, as well as other similar standards and any\nrulemaking from the DOL are relevant to our insurance and annuities business or products. We continue to review and analyze the potential impact of these\nregulations across each of our business lines.\nAll states require participation in insurance guaranty associations, which assess fees (subject to statutory limits) to insurance companies in order to fund claims of\npolicyholders and contractholders of insolvent insurance companies. These assessments are generally based on a member insurer\u2019s proportionate share of all\npremiums written by member insurers in the state during a specified period prior to an insurer\u2019s insolvency. See Note 26 to our Consolidated Financial Statements\nincluded in Part II, Item 8 of this Annual Report on Form 10-K for additional information regarding guaranty association assessments.\nCertain variable annuity and variable life insurance contracts offered by the RiverSource Life companies, and certain separate accounts supporting such contracts,\nconstitute and are registered as securities under the Securities Act of 1933 and as investment companies under the Investment Company Act of 1940, as amended. As\nsuch, these products are subject to regulation by the SEC and FINRA.\nThe Federal Insurance Office (\u201cFIO\u201d) within the U.S. Department of Treasury does not have substantive regulatory responsibilities, though it is tasked with\nmonitoring the insurance industry and the effectiveness of its regulatory framework in addition to providing periodic reports to the President of the United States and\nCongress. We monitor the FIO\u2019s activity to identify and assess emerging regulatory priorities with potential application to our business.\nEach of our insurance subsidiaries is subject to risk-based capital (\u201cRBC\u201d) requirements designed to assess the adequacy of an insurance company\u2019s total adjusted\ncapital in relation to its investment, insurance and other risks. The National Association of Insurance Commissioners (\u201cNAIC\u201d) has established RBC standards that\nall state insurance departments have adopted. The RBC requirements are used by the NAIC and state insurance regulators to identify companies that merit regulatory\nactions designed to protect policyholders. The NAIC RBC report is completed as of December 31 and filed annually, along with the statutory financial statements.\nOur RiverSource Life companies are subject to various levels of regulatory intervention if their total adjusted statutory capital falls below defined RBC action levels.\nAt the \u201ccompany action level,\u201d defined as total adjusted capital level between 100% and 75% of the RBC requirement, an insurer must submit a plan for corrective\naction with its primary state regulator. The level of regulatory intervention is greater at lower levels of total adjusted capital relative to the RBC requirement.", "def26782-38fc-4ede-b696-cfb6a41d77d4": "The National Association of Insurance Commissioners (\u201cNAIC\u201d) has established RBC standards that\nall state insurance departments have adopted. The RBC requirements are used by the NAIC and state insurance regulators to identify companies that merit regulatory\nactions designed to protect policyholders. The NAIC RBC report is completed as of December 31 and filed annually, along with the statutory financial statements.\nOur RiverSource Life companies are subject to various levels of regulatory intervention if their total adjusted statutory capital falls below defined RBC action levels.\nAt the \u201ccompany action level,\u201d defined as total adjusted capital level between 100% and 75% of the RBC requirement, an insurer must submit a plan for corrective\naction with its primary state regulator. The level of regulatory intervention is greater at lower levels of total adjusted capital relative to the RBC requirement.\nRiverSource Life and RiverSource Life of NY maintain capital levels well in excess of the company action level required by state insurance regulators as noted below\nas of December 31, 2023:\nEntity\nCompany Action\nLevel RBC\nTotal Adjusted\nCapital\n% of Company\nAction Level RBC\n(in millions, except percentages)\nRiverSource Life\n$\n512 \n$\n3,093 \n604 \n%\nRiverSource Life of NY\n40 \n244 \n614 \n%\nAmeriprise Financial, as a direct and indirect owner of its insurance subsidiaries, is subject to the insurance holding company laws of Minnesota and New York (the\nstates where its insurance subsidiaries are domiciled). These laws generally require insurance holding companies to register with the insurance department of the\ninsurance company\u2019s state of domicile and to provide certain financial and other information about the operations of the companies within the holding company\nstructure.\nAs part of its Solvency Modernization Initiative, in 2010 the NAIC adopted revisions to its Insurance Holding Company System Regulatory Act (\u201cHolding Company\nAct\u201d) to enhance insurer group supervision and create a new Risk Management and Own Risk and Solvency Assessment (\u201cORSA\u201d) Model Act. The Holding\nCompany Act revisions focus on the overall insurance holding\n14", "40769335-bcac-42d8-b58b-07a7e12aef98": "Index\nAmeriprise Financial, Inc.\ncompany system, establish a framework of regulator supervisory colleges, enhancements to corporate governance, and require the annual filing of an Enterprise Risk\nManagement Report. The ORSA Model Act requires that an insurer create and file, annually, its ORSA, which is a complete self-assessment of its risk management\nfunctions and capital adequacy. These laws were enacted by the \nDomiciliary Regulators. We complete and file these reports as required by the laws and regulations\nof those states. Insurance regulation and supervision also goes beyond direct regulation of our insurance companies in other ways. \nFor example, while we will be\nsubject to the FRB\u2019s \u201cBuilding Block Approach\u201d (discussed below in more detail), once Minnesota implements the NAIC\u2019s \u201cGroup Capital Calculation\u201d, a new capital\ncalculation will exist for many insurance companies like ours that are not subject to FRB regulation as we are. And from time to time we must report other enterprise\nactivities to our state insurance regulators (such as the NAIC\u2019s Liquidity Stress Testing Framework).\nFederal Banking and Financial Holding Company Regulation\nAmeriprise Bank is subject to regulation by the OCC, which is the primary regulator of federal savings banks, the Consumer Financial Protection Bureau (\u201cCFPB\u201d)\nand by the Federal Deposit Insurance Corporation (\u201cFDIC\u201d) in its role as insurer of Ameriprise Bank's deposits. As a federally chartered savings bank, Ameriprise\nBank is subject to numerous rules and regulations governing all aspects of the banking business, including lending practices and transactions with affiliates.\nAmeriprise Bank is also subject to specific capital rules and limits on capital distributions, including payment of dividends. If Ameriprise Bank's capital falls below\ncertain levels, the OCC would be required to take remedial actions and could take other actions, including imposing further limits on dividends or business activities.\nIn addition, an array of Community Reinvestment Act (\u201cCRA\u201d), fair lending and other consumer protection laws and regulations apply to Ameriprise Bank.\nAs the controlling company of Ameriprise Bank, Ameriprise Financial is a savings and loan holding company that is subject to regulation, supervision, and\nexamination by the FRB. Ameriprise Financial has elected to be classified as a financial holding company subject to applicable regulation under the Bank Holding\nCompany Act of 1956 (the \u201cBank Holding Company Act\u201d). Further, FRB regulation and supervisory oversight of Ameriprise Financial includes examinations, regular\nfinancial reporting, and prudential standards, such as capital, liquidity risk management, and parameters for business conduct and internal governance.\nUnder the Bank Holding Company Act, bank holding companies and their banking subsidiaries are generally limited to the business of banking and activities closely\nrelated or incidental to banking, and going beyond these activities would require a conformance period request from the FRB. As a financial holding company, we\nmay engage in activities that are financial in nature, incidental to an activity that is financial in nature, or complementary to a financial activity and that do not pose a\nsubstantial risk to the safety and soundness of depository institutions or the financial system generally. We may not, however, directly or indirectly acquire the\nownership or control of more than 5% of any class of voting shares, or substantially all of the assets, of either a bank holding company (or a bank) without the prior\napproval of the FRB or of a non-financial company absent an available exemption.\nIn order to maintain our status as a financial holding company, Ameriprise Bank, as our sole insured depository institution subsidiary, must remain \u201cwell-capitalized\u201d\nand \u201cwell-managed\u201d under applicable regulations, and must receive at least a \u201csatisfactory\u201d rating in its most recent examination under the CRA. In addition,\nAmeriprise, as a financial holding company, must remain \u201cwell-capitalized\u201d and \u201cwell-managed\u201d in order to maintain its status as a financial holding company. Failure\nto meet one or more of these requirements would mean, depending on the violation and any agreement then reached with the FRB, Ameriprise Financial could not\nundertake new activities, continue certain activities or make acquisitions other than those generally permissible for bank holding companies until such violation is\ncured.\nWe are subject to what is commonly referred to as the Volcker Rule. The Volcker Rule prohibits \u201cbanking entities,\u201d including Ameriprise and our affiliates, from\nengaging in certain \u201cproprietary trading\u201d activities, as defined in the Volcker Rule, subject to exemptions for underwriting, market-making-related activities, asset\nmanagement, risk-mitigating hedging and certain other activities.", "f98f2b5e-663c-499b-ae4b-9313e8006312": "In addition,\nAmeriprise, as a financial holding company, must remain \u201cwell-capitalized\u201d and \u201cwell-managed\u201d in order to maintain its status as a financial holding company. Failure\nto meet one or more of these requirements would mean, depending on the violation and any agreement then reached with the FRB, Ameriprise Financial could not\nundertake new activities, continue certain activities or make acquisitions other than those generally permissible for bank holding companies until such violation is\ncured.\nWe are subject to what is commonly referred to as the Volcker Rule. The Volcker Rule prohibits \u201cbanking entities,\u201d including Ameriprise and our affiliates, from\nengaging in certain \u201cproprietary trading\u201d activities, as defined in the Volcker Rule, subject to exemptions for underwriting, market-making-related activities, asset\nmanagement, risk-mitigating hedging and certain other activities. The Volcker Rule also prohibits certain investments and relationships by banking entities with\n\u201ccovered funds,\u201d with a number of exemptions and exclusions. It also requires banking entities to have comprehensive compliance programs reasonably designed to\nensure and monitor compliance with the Volcker Rule.\nIn October 2023, the FRB issued its final rule establishing a consolidated capital framework termed the \u201cBuilding Block Approach\u201d for savings and loan holding\ncompanies like Ameriprise Financial that are significantly engaged in insurance activities (commonly referred to as insurance savings and loan holding companies). In\ngeneral, under the final rule, insurance savings and loan holding companies like us are required to aggregate state-based insurance capital requirements with banking\ncapital requirements for non-insurance businesses to satisfy specific minimum total requirements and hold an additional capital conservation buffer. The rule is\neffective January 1, 2024, with reporting to the FRB beginning in 2025 and delayed effectiveness for certain provisions.\nAdditional Parent Company Regulation and Other Regulation\nAmeriprise Financial, Inc. is a publicly traded company that is subject to SEC and New York Stock Exchange (\u201cNYSE\u201d) rules and regulations regarding public\ndisclosure, financial reporting, internal controls and corporate governance. The adoption of the Sarbanes-Oxley Act of 2002 and the implementation of the Dodd-\nFrank Act significantly enhanced those rules and regulations.\nWe have operations in a number of geographical regions across the U.S. and outside of the U.S. Certain states enact regulations or requirements that can drive\nenterprise-wide action or disclosures. We evaluate these laws and changes to understand if and when they\n15", "766e9b60-079b-466c-b5f4-26ea7b538f92": "Index\nAmeriprise Financial, Inc.\nimpact our business, such as the new law in California requiring certain climate disclosure. As an international company, we continuously monitor developments in\nEU legislation, as well as in the other markets in which we operate, to ensure that we comply with all applicable legal requirements, including EU directives applicable\nto financial institutions as implemented in the various member states. Because of the mix of business activities we conduct, we assess the impact of, and monitor our\nstatus under, the EU Financial Conglomerates Directive, which contemplates global supervision and prudential regulation of certain financial conglomerates involved\nin banking, insurance and investment activities.\nPrivacy, Environmental and Anti-Money Laundering Laws\nMany aspects of our business are subject to comprehensive legal requirements concerning the use and protection of personal information, including client and\nemployee information, from a multitude of different functional regulators and law enforcement bodies. This includes rules adopted pursuant to the Gramm-Leach-\nBliley Act, the Fair and Accurate Credit Transactions Act, the Health Insurance Portability and Accountability Act (\u201cHIPAA\u201d), the Health Information Technology\nfor Economic and Clinical Health (\u201cHITECH\u201d) Act, an ever increasing number of state laws and regulations such as the New York State Department of Financial\nServices\u2019 \nCybersecurity Requirements for Financial Services Companies,\n and California privacy legislation, as recently amended, EU data protection legislation,\nknown as the Global Data Protection Regulation (\u201cGDPR\u201d), \nas implemented in the respective EU member states, the U.K. Data Protection Act, 2018 and U.K. GDPR,\nand data protection rules in other regions in which we operate outside the U.S. and the EU. We have also implemented policies and procedures in response to such\nrequirements. We continue our efforts to safeguard the data entrusted to us in accordance with applicable laws and our internal data protection policies, including\ntaking steps to reduce the potential for identity theft or other improper use or disclosure of personal information, while seeking to collect only the data that is\nnecessary to properly achieve our business objectives and best serve our clients. To the extent we do experience an incident, we have developed and implemented a\ncybersecurity incident response manual, which we regularly exercise and update, as appropriate.\nAs the owner and operator of real property, we are subject to federal, state, local and foreign environmental laws and regulations. We periodically conduct certain air\nand water reviews on our own real estate as well as investment real estate to assess and support our compliance with these laws and regulations.\nThe Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act, commonly referred to as the USA Patriot\nAct, was enacted in October 2001. It substantially broadened existing anti-money laundering legislation and the extraterritorial jurisdiction of the U.S. In response, we\nenhanced our existing anti-money laundering programs and developed new procedures and programs, including enhancing our \u201cknow your customer\u201d and \u201cdue\ndiligence\u201d programs. We continuously review, update and enhance our anti-money laundering procedures and programs. In addition, we will continue to comply with\nanti-money laundering legislation in the U.K. derived from applicable EU directives and international initiatives adopted in other jurisdictions in which we conduct\nbusiness.\nExchange Act Reports and Additional Information\nWe maintain an Investor Relations website at ir.ameriprise.com. Investors can also access the website through our main website at ameriprise.com by clicking on the\n\u201cInvestor Relations\u201d link located at the bottom of our homepage (ameriprise.com). We use our Investor Relations website to announce financial and other information\nto investors and to make available SEC filings, press releases, public conference calls and webcasts. Investors and others interested in the Company are encouraged\nto visit the Investor Relations website from time to time, as information is continuously updated and posted. Additionally, users can sign up to receive automatic\nnotifications when new materials are posted. The information found on the website is not incorporated by reference into this report or in any other report or\ndocument we furnish or file with the SEC.\nItem 1A. \nRisk Factors\nOur operations and financial results are subject to various risks and uncertainties, including those described below, that could have a material adverse effect on our\nbusiness, financial condition or results of operations and could cause the trading price of our common stock to decline. We believe that the following information\nidentifies the material factors affecting our company based on the information we currently know. However, the risks and uncertainties our company faces are not\nlimited to those described below. Additional risks and uncertainties not presently known to us or that we currently believe to be immaterial may also adversely affect\nour business.", "6922051b-d2bb-4596-8326-950e517b27da": "Additionally, users can sign up to receive automatic\nnotifications when new materials are posted. The information found on the website is not incorporated by reference into this report or in any other report or\ndocument we furnish or file with the SEC.\nItem 1A. \nRisk Factors\nOur operations and financial results are subject to various risks and uncertainties, including those described below, that could have a material adverse effect on our\nbusiness, financial condition or results of operations and could cause the trading price of our common stock to decline. We believe that the following information\nidentifies the material factors affecting our company based on the information we currently know. However, the risks and uncertainties our company faces are not\nlimited to those described below. Additional risks and uncertainties not presently known to us or that we currently believe to be immaterial may also adversely affect\nour business.\nMarket Risks\nOur results of operations and financial condition may be adversely affected by market fluctuations and by economic, political and other factors.\nOur results of operations and financial condition may be materially affected by market fluctuations and by economic and other factors. Such factors, which can be\nglobal, regional, national or local in nature, include: (i) the level and volatility of the markets, including equity prices, interest rates, commodity prices, currency values\nand other market indices and drivers; \n(ii) geopolitical strain, terrorism and armed conflicts, (iii) political dynamics or elections and social, economic and market\nconditions; (iv) the availability and cost of capital; (v) global health emergencies (such as the coronavirus disease 2019 (\u201cCOVID-19\u201d) pandemic); (vi) technological\nchanges and\n16", "809ea96c-3982-4de6-bbb7-b768ce0bfdac": "Index\nAmeriprise Financial, Inc.\nevents; (vii) U.S. and foreign government fiscal and tax policies; (viii) U.S. and foreign government ability, real or perceived, to avoid defaulting on government\nsecurities; (ix) the availability and cost of credit and hedge markets; (x) periods of elevated inflation; (xi) natural disasters such as weather catastrophes; and (xii)\nother factors affecting investor sentiment and confidence in the financial markets. Furthermore, changes in consumer economic variables, such as the number and\nsize of personal bankruptcy filings, the rate of unemployment, decreases in property values, and the level of consumer confidence and consumer debt, may\nsubstantially affect consumer loan levels and credit quality, which, in turn, could impact client activity in all of our businesses. These factors also may have an impact\non our ability to achieve our strategic objectives or to pay dividends or otherwise return capital from our subsidiaries to our holding company.\nDeclines and volatility in U.S. and global market conditions (such as those that resulted from the COVID-19 pandemic and subsequent economic environment, from\nother recent geopolitical tensions or from situations like the 2023 regional bank crisis) have impacted our businesses in the past, are impacting us now and may\ncontinue to impact us in the same, new or different ways in the future. Our businesses have been, and in the future may be, adversely affected by U.S. and global\ncapital market and credit crises, the repricing of credit risk, equity market volatility and decline, and stress or recession in the U.S. and global economies generally.\nEach of our segments operates in these markets with exposure for us and our clients in securities, loans, derivatives, alternative investments, seed capital and other\ncommitments. It is difficult to predict when, how long and to what extent the aforementioned adverse conditions will exist, which of our markets, products and\nbusinesses will be directly affected and to what extent our clients may seek to bring claims arising out of investment performance that is affected by these conditions.\nAs a result, these factors could materially adversely impact our financial condition and results of operations.\nThese factors will also impact client behavior. Market downturns, stagnation, and volatility may cause, and have caused, individual investors to limit or decrease their\nparticipation in global markets negatively impacting our retail business and/or our product sales. Market conditions, regulatory actions, tax laws, and our competitive\nindustry environment are among the reasons current shareholders in our mutual funds, OEICs, SICAVs, unit trusts, investment trusts and other pooled investment\nvehicles, contractholders in our annuity products and policyholders in our protection products may opt to withdraw cash values for those products (or for certain\nprotection products, to reduce their withdrawal activity). If we are unable to offer appropriate product alternatives which encourage customers to continue\npurchasing in the face of actual or perceived market volatility, our sales and management fee revenues could decline.\nDownturns and volatility in markets (including equity, fixed income, real estate, alternatives such as infrastructure and private equity and other markets) have had,\nand may in the future have, an adverse effect on the revenues and returns from our asset management services, retail advisory accounts, variable annuity contracts,\nbanking products and other products. Because the profitability of these products and services depends on fees related primarily to the value of assets under\nmanagement, declines in the markets will reduce our revenues because the value of the investment assets we manage will be reduced. In addition, a significant\nportion of our revenue is derived from investment management agreements with the Columbia Management family of mutual funds which are terminable on 60 days\u2019\nnotice. Although some contracts governing investment management services are subject to termination for failure to meet performance benchmarks, institutional and\nindividual clients can generally terminate their relationships with us or our financial advisors at will or on relatively short notice. Further, a number of the products\nand services we make available to our clients are those offered by third parties and negative perceptions of these financial products and services (or the financial\nindustry in general) may impact the number of withdrawals and redemptions or reduce purchases made by our clients, which would adversely impact the levels of our\nassets under management.", "56d22c04-8cfb-4e8d-9d1e-034b72d7f832": "Because the profitability of these products and services depends on fees related primarily to the value of assets under\nmanagement, declines in the markets will reduce our revenues because the value of the investment assets we manage will be reduced. In addition, a significant\nportion of our revenue is derived from investment management agreements with the Columbia Management family of mutual funds which are terminable on 60 days\u2019\nnotice. Although some contracts governing investment management services are subject to termination for failure to meet performance benchmarks, institutional and\nindividual clients can generally terminate their relationships with us or our financial advisors at will or on relatively short notice. Further, a number of the products\nand services we make available to our clients are those offered by third parties and negative perceptions of these financial products and services (or the financial\nindustry in general) may impact the number of withdrawals and redemptions or reduce purchases made by our clients, which would adversely impact the levels of our\nassets under management. Our clients can also reduce the aggregate amount of managed assets or shift their funds to other types of accounts with different fee rate\nstructures, for any number of reasons, including investment performance, changes in prevailing interest rates, changes in investment preferences or investment\nmanagement strategy (for example, \u201cactive\u201d or \u201cpassive\u201d investing styles or the proliferation of exchange traded funds (\u201cETFs\u201d) or other vehicles like separately\nmanaged accounts (\u201cSMAs\u201d)), changes in our (or our advisors\u2019) reputation in the marketplace, a client\u2019s view of ESG factors, changes in client or relationship\nmanagement, loss of key investment management personnel and financial market performance. This reduction in managed assets, and the associated decrease in\nrevenues and earnings, could have a material adverse effect on our business.\nMost of our variable annuity products contain guaranteed minimum death benefits and a majority of our variable annuity products in force contain guaranteed\nminimum withdrawal and accumulation benefits. Decline or volatility in equity and/or bond markets could result in guaranteed minimum benefits being higher than\nwhat current account values would support, which would adversely affect our financial condition and results of operations. Discontinuing the sale of new fixed\nannuities and variable annuities with living benefits will lessen this risk over time. Although we have hedged a portion of the guarantees for the variable annuity\ncontracts to mitigate the financial loss of equity and/or bond market declines or volatility, there can be no assurance that such a decline or volatility would not\nmaterially impact the profitability of certain products or product lines or our financial condition or results of operations. For example, market fluctuations will impact\nour statutory reserves and required capital, and that may not be aligned with the hedging impacts. Further, the cost of hedging our liability for these guarantees has\nincreased as a result of broad-based market and regulatory-driven changes in the collateral requirements of hedge trading counterparties.\nChanges in interest rates may affect our results of operations and financial condition.\nCertain of our insurance, annuity, investment products, wrap fees and banking products are sensitive to interest rate fluctuations (inclusive of changes in credit\nspreads), which could cause future impacts associated with such fluctuations to differ from our\n17", "f287f259-a102-4862-8839-a6ca7e4ee3b3": "Index\nAmeriprise Financial, Inc.\nhistorical costs. In addition, interest rate fluctuations could result in fluctuations in the valuation of certain minimum guaranteed benefits contained in some of our\nvariable annuity products, something we saw as a result of volatility that resulted from the COVID-19 pandemic. Although we typically hedge to mitigate some of the\neffect of such fluctuations, significant changes in interest rates (or prolonged periods of low interest rates) could have a material adverse impact on the profitability of\ncertain products or product lines or our results of operations or financial condition. In addition, as rates increase, the posting of collateral for liquidity needs will also\nincrease as a result of the hedging of variable annuity products. Depending on how rapidly rates increase and other factors, we may need to access liquidity sources\nthat are more costly, which could have a material adverse impact on profitability or our results of operations or financial condition.\nInterest rate fluctuations also could have an adverse effect on the results of our investment portfolio. During periods of declining market interest rates or stagnancy\nof low interest rates, the interest we receive on variable interest rate investments decreases and we are forced to reinvest the cash we receive as interest or return of\nprincipal on our investments in lower-yielding high-grade instruments or in lower-credit instruments to maintain comparable returns. Issuers of certain callable fixed\nincome securities also may decide to prepay their obligations in order to borrow at lower market rates, which increases the risk that we may have to reinvest the cash\nproceeds of these securities in lower-yielding or lower-credit instruments.\nIf there is a return to a period of prolonged low interest rates, our spread may be reduced or could become negative. Due to the long-term nature of the liabilities\nassociated with certain of our businesses, such as long term care and universal life with secondary guarantees as well as guaranteed benefits on variable annuities,\nsustained declines in or stagnancy of low long-term interest rates may subject us to reinvestment risks and increased hedging costs. We periodically review and,\nwhere appropriate, adjust our assumptions.\nAs market interest rates increase or sustain at relatively higher rates, we may credit clients higher rates on interest-sensitive products, such as universal life\ninsurance, face-amount certificates, and banking products and we may increase these rates on in force products to keep these products competitive (which could\nhave an adverse effect on our financial condition and results of operations). Because yields on invested assets may not increase as quickly as current interest rates,\nwe may have to accept a lower spread and thus lower profitability or face a decline in sales and greater loss of existing contracts and related assets. In addition,\nincreases in market interest rates would further increase the unrealized loss position of our investment portfolio and may cause outflows and other negative impacts\nthrough increased policy surrenders, withdrawals from life insurance policies and annuity contracts and requests for policy loans, or changes in demands of certain\nbank or certificate products as policyholders, contractholders and clients seek to shift assets to products with perceived higher returns. This process may lead to an\nearlier than expected outflow of cash from many different areas of our business. These withdrawals, surrenders and other client actions may require investment assets\nto be sold at a time when the prices of those assets are lower because of the increase in market interest rates, which may result in investment losses to be realized in\nour results of operations. Also, increases in market interest rates may result in extension of certain cash flows from structured mortgage assets. An increase in policy\nsurrenders and withdrawals also may require us to accelerate amortization of deferred acquisition costs (\u201cDAC\u201d) or other intangibles or cause an impairment of\ngoodwill, which would increase our expenses and reduce our net earnings in the period. If higher market interest rates lead to inflows into interest-sensitive products\n(such as face-amount certificates and certain banking products) or other changes in product behavior, our capital requirements may increase as well.\nAdverse capital and credit market conditions or a downgrade in our credit ratings may significantly affect our ability to meet liquidity needs, our access to\ncapital and our cost of capital.\nVolatility, uncertainty and disruption in the capital and credit markets may decrease available liquidity, which we may need to pay our expenses and dividends. If the\nmarket conditions hinder our availability to obtain capital or liquidity, our business could suffer.\nOur liquidity needs are satisfied primarily through our reserves and the cash generated by our operations. We believe the level of cash and securities we maintain,\ncombined with expected cash inflows from investments and operations, is adequate to meet anticipated short-term and long-term payment obligations.", "9376d831-26c7-45f4-8dbd-77ecb7ad3837": "If higher market interest rates lead to inflows into interest-sensitive products\n(such as face-amount certificates and certain banking products) or other changes in product behavior, our capital requirements may increase as well.\nAdverse capital and credit market conditions or a downgrade in our credit ratings may significantly affect our ability to meet liquidity needs, our access to\ncapital and our cost of capital.\nVolatility, uncertainty and disruption in the capital and credit markets may decrease available liquidity, which we may need to pay our expenses and dividends. If the\nmarket conditions hinder our availability to obtain capital or liquidity, our business could suffer.\nOur liquidity needs are satisfied primarily through our reserves and the cash generated by our operations. We believe the level of cash and securities we maintain,\ncombined with expected cash inflows from investments and operations, is adequate to meet anticipated short-term and long-term payment obligations. In the event\ncurrent resources are insufficient to satisfy our needs, we may access financing sources such as our committed unsecured revolving credit facility or other bank debt.\nAdditional financing depends on a variety of factors such as market conditions, the general availability of credit, the volume of trading activities, the overall\navailability of credit to the financial services industry, our credit ratings and credit capacity, actions by our regulators, and perceptions held by shareholders,\ncustomers or lenders.\nFurther, the financial strength ratings which various rating organizations publish as a measure of an insurance company\u2019s ability to meet contractholder and\npolicyholder obligations, are important to maintain public confidence in our products, our competitive position, and the ability to market our products. Any future\ndowngrade in our financial strength ratings, or the announced potential for a downgrade, could potentially have a significant adverse effect on our financial\ncondition and results of operations in many ways, including: (i) reducing new sales of insurance and annuity products and investment products; (ii) adversely\naffecting our relationships with our advisors and third-party distributors of our products; (iii) materially increasing the number or amount of policy surrenders and\nwithdrawals by contractholders and policyholders; (iv) requiring us to reduce prices for many of our products and services to remain competitive; and (v) adversely\naffecting our ability to obtain reinsurance or obtain reasonable pricing on reinsurance.\nRatings agencies have and may continue to increase the frequency and scope of their credit reviews, adjust upward the capital and other requirements employed in\nthe rating organizations\u2019 models for maintenance of ratings levels (including adjusting the framework under which they view our Company\u2019s business mix that drives\nthese requirements), or downgrade ratings applied to particular classes\n18", "ae371e5b-5d50-46e0-9bd2-964046310507": "Index\nAmeriprise Financial, Inc.\nof securities or types of institutions, and our ratings could be changed at any time and without any notice by the rating organizations. In addition, rating agencies\ncontinually evolve their ratings and other methodologies, and these changes can be to our detriment or benefit and have a material impact on how we view our\nliquidity and capital.\nMarket conditions or decisions by our ratings agencies that hinder our access to capital may limit our ability to satisfy statutory capital targets, generate fee income\nand market-related revenue to meet liquidity needs and access the capital necessary to grow our business. As such, we may be forced to delay raising capital, issue\ndifferent types of capital than we would otherwise, less effectively deploy such capital, or bear an unattractive cost of capital which could decrease our profitability\nand significantly reduce our financial flexibility.\nBusiness Risks\nIntense competition and the economies of scale for larger competitors could negatively impact our ability to maintain or increase our market share and\nprofitability.\nOur businesses operate in intensely competitive industries, including broker-dealers, banks, asset managers, insurers and other financial institutions, some of which\nhave a larger market share, greater investments in technology and analytics, greater investment in advertising and brand, less regulation or greater financial resources\nthan we do. Furthermore, our competitors may be better able to address trends, structural changes, or movement of assets resulting from industry changes or in\nresponse to the uncertain regulatory environment in the U.S. and around the world. We could experience lower sales, higher costs, technology obsolescence or other\ndevelopments that could negatively impact our results of operations.\nA drop in our investment performance as compared to that of our competitors could negatively impact our revenues and profitability.\nInvestment performance is a key competitive factor for our retail and institutional asset management products and services. Strong investment performance supports\nthe retention of our products and services by our clients and creates opportunities for new sales of products and services. It may also result in higher ratings by\nratings services such as Morningstar or Lipper, which may compound the foregoing effects. Strong investment performance and its effects are important elements to\nour stated goals of growing assets under management and greater economies of scale.\nThere can be no assurance as to how future investment performance will compare to our competitors or that historical performance will be indicative of future returns.\nAny drop or perceived drop in investment performance as compared to our competitors could cause a decline in sales of our mutual funds and other investment\nproducts, an increase in redemptions and the termination of institutional asset management relationships. These impacts may reduce our aggregate amount of assets\nunder management and reduce management fees. Poor investment performance could also adversely affect our ability to expand the distribution of our products\nthrough unaffiliated third parties. Further, any drop in market share of mutual funds sales by our advisors or through third party intermediaries, may further reduce\nprofits as sales of other companies\u2019 mutual funds are less profitable than sales of our proprietary funds.\nWe face intense competition in attracting and retaining key talent.\nOur continued success depends to a substantial degree on our ability to attract, motivate, engage and retain qualified people in a very competitive market. While we\nare seeing the employment market stabilize compared to recent years, the financial services industry has always been a highly competitive industry. Fewer individuals\nentering the labor force, increased demand for flexibility and fully remote work, and wage sensitivity due to the inflationary environment put pressure on labor costs\nand add complexity in recruiting and retaining talent. We continue to assess risk and invest in our employees to remain competitive and have continued to diversify\nour geographic footprint, however, we also recognize that the possibility of increased turnover may impact our ability to attract, support and retain clients and\nadvisors. We are also dependent on our network of advisors to drive growth and results in our wealth management business (and for a significant portion of the\nsales of our products) and recruiting and retaining financial advisors is highly competitive and ever-changing. In addition, the investment performance of our asset\nmanagement products and services, and the retention of our products and services by our clients, are dependent upon the strategies and decisions of our portfolio\nmanagers and analysts. From time to time there are regulatory-driven or other trends and developments within the industry, such as changes around the Protocol for\nBroker Recruiting or the recent proposal by the Federal Trade Commission (and similar state proposals and general scrutiny) around non-competition or non-\nsolicitation agreements, that could potentially impact the dynamics between us and our competitors or negatively impact our business. If employees or advisors who\nmaintain relationships with our clients leave, we may not be able to retain valuable relationships and our clients may choose to leave for a competitor.", "380a20e5-4edf-4b0e-934c-47362716aeb2": "In addition, the investment performance of our asset\nmanagement products and services, and the retention of our products and services by our clients, are dependent upon the strategies and decisions of our portfolio\nmanagers and analysts. From time to time there are regulatory-driven or other trends and developments within the industry, such as changes around the Protocol for\nBroker Recruiting or the recent proposal by the Federal Trade Commission (and similar state proposals and general scrutiny) around non-competition or non-\nsolicitation agreements, that could potentially impact the dynamics between us and our competitors or negatively impact our business. If employees or advisors who\nmaintain relationships with our clients leave, we may not be able to retain valuable relationships and our clients may choose to leave for a competitor. If we experience\na prolonged inability to attract and retain qualified individuals or our recruiting and retention costs increase significantly, our financial condition and results of\noperations could be materially adversely impacted.\nThe negative performance or default by other financial institutions or other third parties could adversely affect us.\nWe have exposure to many different industries and counterparties, and we routinely execute transactions with counterparties in the financial services industry,\nincluding broker-dealers, commercial banks, investment banks, hedge funds, insurers, reinsurers, investment funds and other institutions. The operations of U.S. and\nglobal financial services institutions are interconnected and a decline in the financial condition of one or more financial services institutions may expose us to credit\nlosses or defaults, limit our access to liquidity or otherwise disrupt the operations of our businesses. While we regularly assess our exposure to different industries\n19", "d153c3d4-51a0-408d-b52e-df54c61d340b": "Index\nAmeriprise Financial, Inc.\nand counterparties, the performance and financial strength of specific institutions are subject to rapid change, the timing and extent of which cannot be known.\nMany transactions with and investments in the products and securities of other financial institutions expose us to credit risk in the event of default of our\ncounterparty. With respect to secured transactions, our credit risk may be exacerbated when the collateral we hold cannot be realized upon or is liquidated at prices\ninsufficient to recover the full amount of the loan or derivative exposure. We also have exposure to financial institutions in the form of unsecured debt instruments,\nderivative transactions (including with respect to derivatives hedging our exposure on variable annuity contracts with guaranteed benefits), reinsurance, repurchase\nand underwriting arrangements and equity investments. Any such losses or impairments to the carrying value of these assets could materially and adversely impact\nour business and results of operations.\nIssuers of the fixed maturity securities that we own may default on principal and interest payments. Some of our fixed maturity securities may have ratings below\ninvestment-grade. Default-related declines in the value of our fixed maturity securities portfolio or consumer credit holdings could cause our net earnings to decline\nand could also cause us to contribute capital to some of our regulated subsidiaries, which may require us to obtain funding during periods of unfavorable market\nconditions.\nCapital and credit market volatility or a sudden devaluation of a specific product or security (such as the broad impacts experienced from the 2023 regional bank\ncrisis) can exacerbate, and has exacerbated, the risk of third-party defaults, bankruptcy filings, foreclosures, legal actions and other events that may limit the value of\nor restrict our access and our clients\u2019 access to cash and investments. Although we are not required to do so, we have elected in the past, and we may elect in the\nfuture, to compensate clients for losses incurred in response to such events, provide clients with temporary credit or liquidity or other support related to products\nthat we manage, or provide credit liquidity or other support to the financial products we manage. If we elect to provide additional support, we could incur losses from\nthe support we provide and incur additional costs, including financing costs, in connection with the support. These losses and additional costs could be material and\ncould adversely impact our results of operations. If we were to take such actions we may also restrict or otherwise utilize our corporate assets, limiting our flexibility\nto use these assets for other purposes, and may be required to raise additional capital.\nWe may not be able to maintain our unaffiliated third-party distribution channels and the sale of unaffiliated products may diminish sales of our own products.\nWe distribute many of our investment products through unaffiliated third-party advisors and financial institutions. Maintaining and deepening relationships with\nthese unaffiliated distributors is an important part of our growth strategy, as strong third-party distribution arrangements enhance our ability to market our products\nor service our clients and to increase our assets under management, revenues and profitability. Access to distribution channels is subject to intense competition due\nto the large number of competitors and products in the investment advisory industry as well as regulatory and consumer trends driving escalating compliance,\ndisclosure and risk management requirements for distributors. Relationships with our distributors are subject to periodic negotiation that may result in increased\ndistribution costs and/or reductions in the amount of our products marketed.\nAs a result, there can be no assurance that the distribution relationships we have established will continue. Any such reduction in access to (or the economics\nassociated with) third-party distributors may have a material adverse effect on our ability to market our products and to generate revenue in our Advice & Wealth\nManagement and Asset Management segments. Further, any increase in the costs to distribute our products or reduction in the type or amount of products made\navailable for sale may have a material effect on our revenues and profitability.\nThe sale of third-party products to our clients (and further expansion of our advisor network\u2019s product suite to include additional products of unaffiliated insurance\ncompanies and asset managers) may lower sales of our companies\u2019 own products, lead to higher surrenders or redemptions, or other developments which might not\nbe fully offset by higher distribution revenues or other benefits, possibly resulting in an adverse effect on our results of operations.\nOur valuation of fixed maturity and equity securities may include methodologies, estimations and assumptions which are subject to differing interpretations and\ncould result in changes to investment valuations that may materially adversely impact our results of operations or financial condition.\nFixed maturity, equity, trading securities and short-term investments, which are reported at fair value on the Consolidated Balance Sheets, represent the majority of\nour total cash and invested assets.", "433b3bf5-1e10-4c6a-8942-9940fe2755ba": "The sale of third-party products to our clients (and further expansion of our advisor network\u2019s product suite to include additional products of unaffiliated insurance\ncompanies and asset managers) may lower sales of our companies\u2019 own products, lead to higher surrenders or redemptions, or other developments which might not\nbe fully offset by higher distribution revenues or other benefits, possibly resulting in an adverse effect on our results of operations.\nOur valuation of fixed maturity and equity securities may include methodologies, estimations and assumptions which are subject to differing interpretations and\ncould result in changes to investment valuations that may materially adversely impact our results of operations or financial condition.\nFixed maturity, equity, trading securities and short-term investments, which are reported at fair value on the Consolidated Balance Sheets, represent the majority of\nour total cash and invested assets. The determination of fair values by management in the absence of quoted market prices is based on valuation methodologies,\nsecurities we deem to be comparable, and assumptions deemed appropriate given the circumstances. The fair value estimates are made at a specific point in time,\nbased on available market information and judgments about financial instruments, including estimates of the timing and amounts of expected future cash flows and\nthe credit standing of the issuer or counterparty. Factors considered in estimating fair value include: coupon rate, maturity, estimated duration, call provisions,\nsinking fund requirements, credit rating, industry sector of the issuer, current interest rates and credit spreads, and quoted market prices of comparable securities.\nThe use of different methodologies and assumptions may have a material effect on the estimated fair value amounts.\nDuring periods of market disruption, including periods of significantly rising or high interest rates and rapidly widening credit spreads or illiquidity, it may be difficult\nto value certain of our securities. There may be certain asset classes that were in active markets with significant observable data that become illiquid due to the\nfinancial environment. In such cases, the valuation of certain securities may\n20", "e8749f8a-7057-4b11-8c4f-964470fa2189": "Index\nAmeriprise Financial, Inc.\nrequire additional subjectivity and management judgment. As such, valuations may include inputs and assumptions that are less observable and may require greater\nestimation as well as valuation methods that are more sophisticated, which may result in values less than the value at which the investments may be ultimately sold.\nFurther, rapidly changing and unexpected credit and equity market conditions could materially impact the valuation of securities as reported within our consolidated\nfinancial statements and the period-to-period changes in value could vary significantly. Decreases in value may have a material adverse effect on our results of\noperations or financial condition.\nThe determination of the amount of allowances taken on certain loans and investments is subject to management\u2019s evaluation and judgment and could\nmaterially impact our results of operations or financial position.\nThe determination of the amount of allowances varies by investment type and is based upon our periodic evaluation and assessment of inherent and known risks\nassociated with the respective asset class.\nManagement uses its best judgment in evaluating the cause of the decline in the estimated fair value of the security and in assessing the prospects for recovery.\nInherent in management\u2019s evaluation of the security are assumptions and estimates about the operations of the issuer and its future earnings potential. The\ndetermination of the amount of allowances on loans is based upon the asset\u2019s expected life, considering past events, current conditions and reasonable and\nsupportable economic forecasts. \nSuch evaluations and assessments are revised as conditions change and new information becomes available. Historical trends may\nnot be indicative of future impairments or allowances.\nSome of our investments are relatively illiquid and we may have difficulty selling these investments.\nWe invest a portion of our owned assets in certain privately placed fixed income securities, mortgage loans, and limited partnership interests, all of which are\nrelatively illiquid. These asset classes represented 7% of the carrying value of our investment portfolio as of December 31, 2023. If we require significant amounts of\ncash on short notice in excess of our normal cash requirements, we may have difficulty selling these investments in a timely manner or be forced to sell them for an\namount less than we would otherwise have been able to realize, or both, which could have an adverse effect on our financial condition and results of operations.\nInsurance Risks\nThe failure of other insurers could require us to pay higher assessments to state insurance guaranty funds.\nOur insurance companies are required by law to be members of the guaranty fund association in every state where they are licensed to do business. In the event of\ninsolvency of one or more unaffiliated insurance companies, our insurance companies could be adversely affected by the requirement to pay assessments to the\nguaranty fund associations. Uncertainty and volatility in the U.S. economy and financial markets in recent years have weakened or may weaken the financial\ncondition of numerous insurers, including insurers currently in receivership, increasing the risk of triggering guaranty fund assessments upon order of liquidation.\nIf the counterparties to our reinsurance arrangements default or otherwise fail to fulfill their obligations, we may be exposed to risks we had sought to mitigate,\nwhich could adversely affect our financial condition and results of operations.\nWe use reinsurance to mitigate certain of our risks. Reinsurance does not relieve us of our direct liability to our policyholders and contractholders, even when the\nreinsurer is liable to us. Accordingly, we bear credit and performance risk with respect to our reinsurers, including Commonwealth and Genworth Life Insurance\nCompany. In July 2016, we finalized various confidential enhancements with Genworth Life Insurance Company that have been shared, in the normal course of regular\nreviews, with our Domiciliary Regulators and rating agencies. A reinsurer\u2019s insolvency or its inability or unwillingness to make payments under the terms of our\nreinsurance agreement could have a material adverse effect on our financial condition and results of operations.\nIf our reserves for future policy benefits and claims or for future certificate redemptions and maturities are inadequate, we may be required to increase our\nreserve liabilities, which would adversely affect our results of operations and financial condition.\nWe establish reserves as estimates of our liabilities to provide for future obligations under our insurance policies, annuities and investment certificate contracts.\nReserves do not represent an exact calculation of the liability but, rather, are estimates of contract benefits and related expenses we expect to incur over time. The\nassumptions and estimates we make in establishing reserves require certain judgments about future experience and, therefore, are inherently uncertain. We cannot\ndetermine with precision the actual amounts that we will pay for contract benefits, the timing of payments, or whether the assets supporting our stated reserves will\nincrease to the levels we estimate before payment of benefits or claims. We monitor our reserve levels continually.", "914c8d6e-ec6a-49e2-8ddb-26e3fb8c0342": "If our reserves for future policy benefits and claims or for future certificate redemptions and maturities are inadequate, we may be required to increase our\nreserve liabilities, which would adversely affect our results of operations and financial condition.\nWe establish reserves as estimates of our liabilities to provide for future obligations under our insurance policies, annuities and investment certificate contracts.\nReserves do not represent an exact calculation of the liability but, rather, are estimates of contract benefits and related expenses we expect to incur over time. The\nassumptions and estimates we make in establishing reserves require certain judgments about future experience and, therefore, are inherently uncertain. We cannot\ndetermine with precision the actual amounts that we will pay for contract benefits, the timing of payments, or whether the assets supporting our stated reserves will\nincrease to the levels we estimate before payment of benefits or claims. We monitor our reserve levels continually. If we were to conclude that our reserves are\ninsufficient to cover actual or expected contract benefits, we would be required to increase our reserves and incur income statement charges for the period in which\nwe make the determination, which would adversely affect our results of operations and financial condition.\nOur insurance profitability relies on our assumptions including those regarding morbidity rates, mortality rates and benefit utilization as well as the future\npersistency of our insurance policies and annuity contracts.\nWe set prices for \nRiverSource\n insurance products (and historically LTC insurance) as well as some annuity products based upon expected claims payment patterns,\nderived from assumptions we make about our policyholders and contractholders, including expenses, fees, investment returns, and morbidity and mortality rates. The\nlong-term profitability of these products depends upon how our actual experience compares with our pricing assumptions. Actual experience can differ from our\nassumptions for many reasons over the time an insurance product is held. If mortality rates are higher than our pricing assumptions, we could be required to make\n21", "80100e2c-3c9a-4e42-89f7-9f99a05e0789": "Index\nAmeriprise Financial, Inc.\ngreater payments under our life insurance policies and annuity contracts with guaranteed minimum death benefits than we have projected.\nThe prices and profitability of our life insurance and deferred annuity products are based in part upon assumptions related to persistency (the probability that a\npolicy or contract will remain in force from one period to the next). For most of our life insurance and deferred annuity products, actual persistency that is lower than\nour persistency assumptions could have an adverse impact on profitability, especially in the early years of a policy or contract because we would be required to\naccelerate the amortization of expenses we deferred in connection with the acquisition of the policy or contract.\nFor our LTC insurance, universal life insurance policies with secondary guarantees and variable annuities with guaranteed minimum withdrawal benefits, actual\npersistency that is higher than our persistency assumptions could have a negative impact on profitability. If these policies remain in force longer than we assumed,\nwe could be required to make greater benefit payments than we had anticipated when we priced or partially reinsured these products.\nThe risk that our claims experience may differ significantly from our pricing assumptions is particularly significant for our LTC insurance products notwithstanding\nour ability to implement future price increases with regulatory approvals. Though we discontinued offering LTC products in 2003, LTC insurance policies provide for\nlong-duration coverage and, therefore, our actual claims experience will emerge over many years. Our ability to forecast future claim rates for LTC insurance is more\nlimited than life insurance. We have sought to moderate these uncertainties to some extent by partially reinsuring LTC policies at the time the policies were\nunderwritten and limiting our present stand-alone LTC insurance offerings to policies underwritten fully by unaffiliated third-party insurers, and we have also\nimplemented rate increases and provided reduced benefit options on certain in force policies.\nBecause our assumptions regarding persistency experience are inherently uncertain, reserves for future policy benefits and claims may prove to be inadequate if\nactual persistency experience is different from those assumptions. Although some of our products permit us to increase premiums during the life of the policy or\ncontract, we cannot guarantee that these increases would be sufficient to maintain profitability. Additionally, some of these pricing changes require regulatory\napproval, which may not be forthcoming. Moreover, many of our products do not permit us to increase premiums or limit those increases during the life of the policy\nor contract, while premiums on certain other products (primarily LTC insurance) may not be increased without prior regulatory approval. Significant deviations in\nexperience from pricing expectations regarding persistency could have an adverse effect on the profitability of our products.\nOperations Risks\nA failure to protect our reputation could adversely affect our businesses.\nOur reputation is one of our most important assets. Our ability to attract and retain customers, investors, employees and advisors is highly dependent upon external\nperceptions of our company. Damage to our reputation could cause significant harm to our business and prospects. Reputational damage may arise from numerous\nsources, including litigation or regulatory actions, failing to deliver minimum standards of service and quality, compliance failures, any perceived or actual weakness\nin our financial strength or liquidity, clients\u2019 or potential clients\u2019 perceived failure of how we address certain political, environmental, social or governance topics,\ntechnological breakdowns, cybersecurity attacks, or other security breaches (including attempted breaches, breaches impacting our vendors or their subcontractors\nor inadvertent disclosures) resulting in system unavailability, improper disclosure or loss of data integrity relating to client or employee personal information,\nunethical or improper behavior and the misconduct or error of our employees, advisors and counterparties. Additionally, a failure to develop new products and\nservices, or successfully manage associated operational risks, could harm our reputation and potentially expose us to additional costs, or negative public relations or\nsocial media campaigns. Any negative incidents can quickly erode trust and confidence, particularly if they result in adverse mainstream and social media publicity,\ngovernmental audits or investigations or litigation. Adverse developments with respect to our industry may also, by association, negatively impact our reputation or\nresult in greater regulatory or legislative scrutiny or litigation against us.\nMisconduct by our employees and advisors may be difficult to detect and deter and may damage our reputation. This can include improper use of their authorized\naccess to sensitive information. Misconduct or errors by our employees and advisors could result in violations of law, regulatory sanctions and/or serious\nreputational or financial harm. Misconduct or mistakes can occur in each of our businesses. We cannot always prevent misconduct by our employees and advisors,\nand the precautions we take to prevent and detect this activity may not be effective in all cases.", "f14b5003-f23f-4fbf-b5ff-ad60b1309e67": "Any negative incidents can quickly erode trust and confidence, particularly if they result in adverse mainstream and social media publicity,\ngovernmental audits or investigations or litigation. Adverse developments with respect to our industry may also, by association, negatively impact our reputation or\nresult in greater regulatory or legislative scrutiny or litigation against us.\nMisconduct by our employees and advisors may be difficult to detect and deter and may damage our reputation. This can include improper use of their authorized\naccess to sensitive information. Misconduct or errors by our employees and advisors could result in violations of law, regulatory sanctions and/or serious\nreputational or financial harm. Misconduct or mistakes can occur in each of our businesses. We cannot always prevent misconduct by our employees and advisors,\nand the precautions we take to prevent and detect this activity may not be effective in all cases. Preventing and detecting misconduct among our franchisee advisors\nwho are not employees of our company presents additional challenges in that they control their own technology environment on a day-to-day basis and could have\nan adverse effect on our business. Our reputation depends on our continued identification of and mitigation against conflicts of interest. We have procedures and\ncontrols that are designed to identify, address and appropriately disclose perceived conflicts of interest, though our reputation could be damaged if we fail, or appear\nto fail, to address conflicts of interest appropriately.\nIn addition, the SEC and other federal and state regulators, as well as foreign regulators, have increased their scrutiny of potential conflicts of interest and the actions\nwe may be expected to take when a conflict is encountered. It is possible that potential or perceived conflicts could give rise to litigation or enforcement actions.\nAlso, it is possible that the regulatory scrutiny of, and litigation in connection with, conflicts of interest will make our clients less willing to enter into transactions\nwith us or in certain products or services we offer, which would adversely affect our businesses.\n22", "989b219c-e66c-4d86-9472-92907582b798": "Index\nAmeriprise Financial, Inc.\nThe direct and indirect effects of climate change could adversely affect our business and operations, both directly and as a result of impacts on our clients,\ncounterparties and entities whose securities we hold.\nWe operate in many regions, countries and communities around the world where our business, and the activities of our clients and counterparties, could be adversely\naffected by climate change. Climate change may increase the severity and frequency of weather-related catastrophes, or adversely affect our investment portfolio or\ninvestor sentiment. This includes the potential for an increase in the frequency and severity of weather-related disasters and pandemics. In addition, climate change\nregulation may affect the prospects of companies and other entities whose securities we hold, or our willingness to continue to hold their securities. Climate change\nmay also influence investor sentiment with respect to the Company and investments in our portfolio and those available to clients through third-parties. It may also\nimpact other counterparties, including reinsurers, and affect the value of investments, including real estate investments we hold or manage for others. Climate risks\ncan also arise from the inconsistencies and conflicts in the manner in which climate policy and financial regulation is implemented in the many regions where we\noperate, including initiatives to apply and enforce policy and regulation with extraterritorial effect. Transition risks may arise from societal adjustment to a lower-\ncarbon economy, such as changes in public policy, adoption of new technologies or changes in consumer preferences towards low-carbon goods and services.\nThese risks could also be influenced by changes in the physical climate. Overall, we cannot predict or estimate the long-term impacts on us from climate change or\nrelated regulation.\nOur operational systems and networks (as well as those of our franchise advisors and third parties) are subject to evolving cybersecurity or other technological\nrisks, which could result in the disclosure of confidential information, loss of our proprietary information, damage to our reputation, additional costs to us,\nregulatory penalties and other adverse impacts.\nOur business is reliant upon internal and third-party-controlled, developed and operated software (which includes opensource software), technology systems and\nnetworks to process, transmit and store information, including our current, potential and former clients\u2019, employees\u2019 \nand advisors\u2019 personal information, as well as\nour proprietary information, and to conduct many of our business activities and transactions. Maintaining the security and integrity of our software, information and\nthese systems and networks, and appropriately responding to any cybersecurity and privacy incidents (including attempts), is critical to the success of our business\noperations, including our reputation, the retention of our advisors and clients, and to the protection of our proprietary information and our clients\u2019 personal\ninformation.\nWe rely on the third parties with whom we do business to identify and remediate software and other vulnerabilities before they can be exploited by bad actors, but\nthey cannot always do so. For example, zero-day vulnerabilities in software and other technology solutions are immediately exploitable by bad actors as occasionally\nhappens with certain of our vendors in the industry. We routinely face attacks and seek to address evolving threats of which we become aware. We have been able\nto identify, protect, detect, respond to and recover from these attacks to date without a material loss of client financial assets or information through the use of\nongoing internal and external threat monitoring and by making continual adjustments to our security and incident response capabilities.\nWe and our advisors, as well as our service providers and clients, have also been threatened by, among others, phishing, vishing, and spear phishing scams, social\nengineering attacks (such as direct voice contact and any technology or communication mechanism to contact a person), account takeovers, introductions of\nmalware, attempts at electronic break-ins, and the submission of fraudulent payment requests. The number of threats and events has increased substantially every\nyear, which is expected to continue, particularly as the use of artificial intelligence makes these attempts look more legitimate. Attempted or successful breaches or\ninterference by third parties or by insiders that may occur in the future could have a material adverse impact on our business, reputation, financial condition or results\nof operations.\nOn a corporate basis, various laws and regulations, and in some cases contractual obligations, require us to establish and maintain corporate policies and technical\nand operational measures designed to protect sensitive client, employee, contractor and vendor information, and to respond to cybersecurity incidents in certain\nways and timeframes. We have established policies and implemented such technical and operational measures ourselves and have in place policies that require our\nservice providers and franchisee advisors, each of which control locally their own technology operations, to do the same. The increase in hybrid working among our\nemployees adds complexity to monitoring and processing procedures.", "2ada0411-8560-42b8-a8d7-0f36a3526afe": "The number of threats and events has increased substantially every\nyear, which is expected to continue, particularly as the use of artificial intelligence makes these attempts look more legitimate. Attempted or successful breaches or\ninterference by third parties or by insiders that may occur in the future could have a material adverse impact on our business, reputation, financial condition or results\nof operations.\nOn a corporate basis, various laws and regulations, and in some cases contractual obligations, require us to establish and maintain corporate policies and technical\nand operational measures designed to protect sensitive client, employee, contractor and vendor information, and to respond to cybersecurity incidents in certain\nways and timeframes. We have established policies and implemented such technical and operational measures ourselves and have in place policies that require our\nservice providers and franchisee advisors, each of which control locally their own technology operations, to do the same. The increase in hybrid working among our\nemployees adds complexity to monitoring and processing procedures. Changes in our business or technological advancements may also require corresponding\nchanges in our systems, networks and data security and response measures. While accessing our products and services, our customers may use computers and\nother devices that sit outside of our security control environment. In addition, the ever-increasing reliance on technology systems and networks and the occurrence\nand potential adverse impact of attacks on such systems and networks (including in recent well-publicized security breaches at other companies), both generally and\nin the financial services industry, have enhanced government and regulatory scrutiny of the measures taken by companies to protect against cybersecurity threats\nand report incidents they suffer. As these threats, and government and regulatory oversight of associated risks, continue to evolve, we may be required to expend\nadditional resources (both direct financial resources and indirect costs like people) to enhance or expand upon the technical and operational security and response\nmeasures we currently maintain or that we allow franchise advisors to maintain and control locally. These regulator-driven changes may adversely impact the client\nexperience by, for example, requiring multiple means of verifying the identity of a client before they can interact with us.\nDespite the measures we have taken and may in the future take to address and mitigate cybersecurity, privacy and technology risks, we cannot be certain that our\nsystems and networks, or those used by our vendors, will not be subject to successful attacks, breaches or interference. Nor can we guarantee that franchise\nadvisors will comply with our policies and procedures in this regard, or that clients\n23", "3abc875e-263b-4052-9cbb-f65502ad0924": "Index\nAmeriprise Financial, Inc.\nwill engage in safe and secure online practices. Furthermore, human error occurs from time to time and such mistakes can lead to the inadvertent disclosure of\nsensitive information. We have a vendor management process, but at times our software or service providers could push through updates that are not fully disclosed\nto us (or tested by them) and that could alter the control posture of their products. Any such event may result in operational disruptions, as well as unauthorized\naccess to or the disclosure or loss of, our proprietary information or client, employee, vendor, or advisor personal information, which in turn may result in legal claims,\nregulatory scrutiny and liability, reputational damage, the incurrence of costs to respond to, eliminate, or mitigate further exposure, the loss of clients or advisors, or\nother damage to our business. While we maintain cyber liability insurance that provides both third-party liability and first-party liability coverages, it may not protect\nus against all cybersecurity- or privacy-related losses. Furthermore, we may be subject to indemnification costs and liability to third parties if we breach any\nconfidentiality or security obligations regarding vendor data or for losses related to the data. In addition, the trend toward broad consumer and general-public\nnotification of such incidents, including those where our vendors are the party being breached, could exacerbate the harm to our business, reputation, financial\ncondition or results of operations in the event of a breach. Even if we successfully protect our technology infrastructure and the confidentiality of sensitive data and\nconduct appropriate incident response, we may incur significant expenses in connection with our responses to any such attacks, as well as the adoption,\nimplementation and maintenance of appropriate security measures. In addition, our regulators may seek to hold our company responsible for the acts, mistakes or\nomissions of our vendors or franchise advisors even where they procure and control much of the physical office space and technology infrastructure they use to\noperate their businesses locally.\nProtection from system interruptions and operating errors is important to our business. If we experience a sustained interruption to our telecommunications or\ndata processing systems, or other failure in operational execution, it could harm our business.\nOperating errors and system or network interruptions could delay and disrupt our operations. Interruptions could be caused by mistake, malfeasance or other\noperational failures by service provider staff, employee or advisor error or malfeasance, interference by third parties, including hackers, our implementation of new\ntechnology, maintenance of existing technology, or natural disasters, each of which may impact our ability to run our systems or encounter varying downtime.\nThough we plan for resiliency in our systems and test these capabilities, we could face additional downtime or data loss if our plans do not work as expected during a\nreal event. Our financial, accounting, human resources, data processing or other operating systems and facilities may fail to operate or report data properly,\nexperience connectivity disruptions or otherwise become disabled as a result of events that are wholly or partially beyond our control, adversely affecting our ability\nto process transactions or provide products and services to our clients (some of which have regulatory required response times). Further, while we require their\nexistence by contract, we cannot control the execution of any business continuity or incident response plans implemented by our service providers or our franchise\nadvisors.\nWe rely on third-party service providers and vendors for certain communications, technology and business functions and other services, and we face the risk of their\noperational failure (including, without limitation, loss of staff due to widespread illness, failure caused by an inaccuracy, untimeliness or other deficiency in data\nreporting), technical or security failures, termination or capacity constraints of any of the clearing agents, exchanges, clearing houses or other third-party service\nproviders that we use to facilitate or are component providers to our securities transactions and other product manufacturing and distribution activities. These risks\nare heightened by our deployment in response to both investor interest and evolution in the financial markets of increasingly sophisticated products and\ntechnological means for interacting with these products or client accounts. Any such failure, termination or constraint or flawed execution or response could\nadversely impact our ability to effect transactions, service our clients, manage our exposure to risk, or otherwise achieve desired outcomes.\nRisk management policies and procedures may not be fully effective in identifying or mitigating risk exposure in all market environments, products, vendors, or\nagainst all types of risk, including employee and financial advisor misconduct.\nOur policies and procedures to identify, monitor and manage risks may not be fully effective in mitigating our risk exposure in all market environments or against all\ntypes of risk.", "3c8fc17e-4378-4f59-8329-ef8107c38339": "These risks\nare heightened by our deployment in response to both investor interest and evolution in the financial markets of increasingly sophisticated products and\ntechnological means for interacting with these products or client accounts. Any such failure, termination or constraint or flawed execution or response could\nadversely impact our ability to effect transactions, service our clients, manage our exposure to risk, or otherwise achieve desired outcomes.\nRisk management policies and procedures may not be fully effective in identifying or mitigating risk exposure in all market environments, products, vendors, or\nagainst all types of risk, including employee and financial advisor misconduct.\nOur policies and procedures to identify, monitor and manage risks may not be fully effective in mitigating our risk exposure in all market environments or against all\ntypes of risk. Many of our methods of managing risk and the associated exposures are based upon our use of observed historical experience or expectations about\nfuture experience (e.g., market behavior, client/policyholder behavior, employee behavior, mortality, etc.) or statistics based on historical models. Experience may not\nemerge as expected and during periods of market volatility, or due to unforeseen events, the historically-derived experience and correlations may not be valid. As a\nresult, these methods and models may not predict future exposures accurately, which could be significantly greater than what our models indicate. Further some\ncontrols are manual and are subject to inherent limitations and we have a general model risk where there is a risk of loss associated with insufficient or inaccurate\nmodels that we use to support our decision. This could cause us to incur investment losses or cause our hedging and other risk management strategies to be\nineffective. Other risk management methods depend upon the evaluation of information regarding markets, clients, catastrophe occurrence or other matters that are\npublicly available or otherwise accessible to us, which may not always be accurate, complete, up-to-date or properly evaluated.\nOur financial performance also requires us to develop, effectively manage, and market new or existing products and services that appropriately anticipate or respond\nto changes in the industry and evolving client demands. The development and introduction of new products and services, including the creation of Asset\nManagement and other products with a focus on environmental, social and governance matters, require continued innovative effort and may require significant time,\nresources, and ongoing support. Further, avoiding introducing or encouraging certain new products (such as cryptocurrency) creates the risk of losing assets or new\nflows to competitors who encourage or support those products. Substantial risk and uncertainties are associated with the introduction and ongoing maintenance of\nnew products and services, including the implementation of new and appropriate operational controls and\n24", "b2c34fe5-62fd-4edd-b10a-a60546d912c2": "Index\nAmeriprise Financial, Inc.\nprocedures, shifting and sometimes contradictory client and market preferences, the introduction of competing products or services and compliance with regulatory\nrequirements.\nArtificial intelligence (including generative artificial intelligence) presents many benefits in terms of operating efficiency, but also new risks that we need to seek to\nmitigate through our strategic and risk management policies, such as reliance on information that may be inaccurate or biased results. In addition, the regulatory\nframework and expectations relating to the use of artificial intelligence are in their early stages as is the use (and how we manage the use) of artificial intelligence in\nour business.\nManagement of operational, legal and regulatory risks requires, among other things, policies and procedures to record properly and verify a large number of\ntransactions and events, and these policies and procedures may not be fully effective in mitigating our risk exposure in all market environments or against all types of\nrisk, including those associated with our key vendors. Insurance and other traditional risk-shifting tools may be held by or available to us in order to manage certain\nexposures, but they are subject to terms such as deductibles, coinsurance, limits and policy exclusions, as well as risk of counterparty denial of coverage, default or\ninsolvency.\nAs a holding company, we depend on the ability of our subsidiaries to transfer funds to us to pay dividends and to meet our obligations.\nWe act as a holding company for our subsidiaries, through which substantially all of our operations are conducted. Dividends and returns of capital from our\nsubsidiaries and permitted payments to us under our intercompany arrangements with our subsidiaries are our principal sources of cash to pay shareholder dividends\nand to meet our financial obligations. These obligations include our operating expenses and interest and principal on our borrowings. If the cash we receive from our\nsubsidiaries pursuant to dividend payment or return of capital and intercompany arrangements is insufficient for us to fund any of these obligations, we may be\nrequired to raise cash through the incurrence of additional debt, the issuance of additional equity or the sale of assets. If any of this happens, it could adversely\nimpact our financial condition and results of operations.\nInsurance, banking and securities laws and regulations, including the FCA\u2019s Investment Firms Prudential Regime and the FRB\u2019s recent final rules for the \u201cBuilding\nBlock Approach\u201d may regulate the ability of many of our subsidiaries (such as our insurance, banking and brokerage subsidiaries and our face-amount certificate\ncompany) to pay dividends, return capital or make other permitted payments or practically impact our capital structure and dividends or other payments from our\nsubsidiaries. Additionally, the rating organizations effectively impose various capital requirements on our company and our insurance company subsidiaries in order\nfor us to maintain our ratings and the ratings of our insurance subsidiaries. We must manage our business within the expectations of the patchwork of regulations\nand capital expectations from these parties which are not consistent with one another, use different accounting frameworks (such as GAAP, statutory accounting\nprinciples or a mix). A capital action that benefits under one framework may not be beneficial under another framework. As asset values decline or other financial\ndrivers to our business worsen, our and our subsidiaries\u2019 ability to pay dividends, return capital or make other permitted payments can be reduced. Additionally, the\nvarious asset classes held by our subsidiaries, and used in determining required capital levels, are weighted differently or are restricted as to the proportion in which\nthey may be held depending upon their liquidity, credit risk and other factors. The regulatory capital requirements and dividend-paying ability of our subsidiaries may\nalso be affected by a change in the mix of products sold by such subsidiaries. Further, the capital requirements imposed upon our subsidiaries may be impacted by\nheightened regulatory or rating organization scrutiny and intervention, which could negatively affect our and our subsidiaries\u2019 ability to pay dividends or make other\npermitted payments. Additionally, in the past we have found it necessary and advisable to provide support to certain of our subsidiaries in order to maintain\nadequate capital for regulatory or other purposes and we may provide such support in the future. The provision of such support could adversely affect our capital,\nliquidity, and the dividends or other permitted payments received from our subsidiaries.\nThe operation of our business in foreign markets and our investments in non-U.S. denominated securities and investment products subjects us to exchange rate\nand other risks in connection with international operations and earnings and income generated overseas.\nWhile we are a U.S.-based company, a portion of our business operations occurs outside of the U.S. and some of our investments are not denominated in U.S.\ndollars. As a result, we are exposed to certain foreign currency exchange risks that could reduce U.S.", "d7edab67-9c4a-424b-8665-9a81299af11d": "Additionally, in the past we have found it necessary and advisable to provide support to certain of our subsidiaries in order to maintain\nadequate capital for regulatory or other purposes and we may provide such support in the future. The provision of such support could adversely affect our capital,\nliquidity, and the dividends or other permitted payments received from our subsidiaries.\nThe operation of our business in foreign markets and our investments in non-U.S. denominated securities and investment products subjects us to exchange rate\nand other risks in connection with international operations and earnings and income generated overseas.\nWhile we are a U.S.-based company, a portion of our business operations occurs outside of the U.S. and some of our investments are not denominated in U.S.\ndollars. As a result, we are exposed to certain foreign currency exchange risks that could reduce U.S. dollar equivalent earnings as well as negatively impact our\ngeneral account and other proprietary investment portfolios. Appreciation of the U.S. dollar could, and has, unfavorably affect net income from foreign operations,\nthe value of non-U.S. dollar denominated investments and investments in foreign subsidiaries. In comparison, depreciation of the U.S. dollar could positively affect\nour net income from foreign operations and the value of non-U.S. dollar denominated investments, though such depreciation could also diminish investor, creditor\nand rating organizations\u2019 perceptions of our company compared to peer companies that have a relatively greater proportion of foreign operations or investments.\nIn addition, conducting and increasing our international operations subjects us to additional risks that, generally, we do not face in the U.S., including: (i) potentially\nadverse cross-border tax consequences, including the complexities of foreign value added tax systems and restrictions on the repatriation of earnings; (ii) the\nlocalization of our solutions and related costs; (iii) the burdens of complying with a wide variety of foreign laws and different, potentially conflicting legal standards,\nincluding laws and regulations; and (iv) social and economic situations outside of the U.S. The occurrence of any one of these risks could negatively affect our\ninternational business and, consequently, our results of operations generally. Additionally, operating in international markets also requires significant management\nattention and financial resources and we cannot be certain these operations will produce desired levels of revenues or\n25", "b45783a3-5b14-4e11-8461-b4c04ec8c1be": "Index\nAmeriprise Financial, Inc.\nprofitability. Our 2021 acquisition of the BMO Global Asset Management (EMEA) business heightened these risks as it significantly expanded our asset management\nbusiness in EMEA.\nThe occurrence of natural or man-made disasters and catastrophes could adversely affect our results of operations and financial condition.\nThe occurrence of natural disasters and catastrophes, including earthquakes, hurricanes, floods, tornadoes, fires, blackouts, severe winter weather, explosions,\npandemic disease and global health emergencies (such as COVID-19) and man-made disasters, including acts of terrorism, riots, civil unrest including large-scale\nprotests, insurrections and military actions, could adversely affect our results of operations or financial condition. Such disasters and catastrophes may damage our\nfacilities, preventing our service providers, employees and financial advisors from performing their roles, or otherwise disturbing our ordinary business operations\nand by impacting insurance claims, as described below. These impacts could be particularly severe to the extent they affect access to physical facilities, the physical\nwell-being of large numbers of our employees, our computer-based data processing, transmission, storage and retrieval systems and destroy or release valuable data.\nSuch disasters and catastrophes may also impact us indirectly by changing the condition and behaviors of our customers, business counterparties and regulators, as\nwell as by causing declines or volatility in the economic and financial markets.\nThe potential effects of natural and man-made disasters and catastrophes on certain of our businesses include but are not limited to the following: (i) a catastrophic\nloss of life may materially increase the amount of or accelerate the timing in which benefits are paid under our insurance policies; (ii) an increase in claims and any\nresulting increase in claims reserves caused by a disaster may harm the financial condition of our reinsurers, thereby impacting the cost and availability of\nreinsurance and the probability of default on reinsurance recoveries; (iii) widespread unavailability of staff; and (iv) declines and volatility in the financial markets\nthat may decrease the value of our assets under management and administration, which could harm our financial condition and reduce our management fees.\nWe face risks arising from acquisitions and divestitures.\nWe have made acquisitions and divestitures (including sales of insurance blocks via reinsurance transactions and other strategic partnerships) in the past and may\npursue similar strategic transactions in the future. Risks in acquisition transactions include difficulties in the integration of acquired businesses into our operations\nand control environment (including our risk management policies and procedures), difficulties in assimilating and retaining employees and intermediaries, difficulties\nin retaining the existing customers of the acquired entities, assumed or unforeseen liabilities that arise in connection with the acquired businesses, difficulties with\nthe software, technology and systems of the acquired entities that were subject to a different control posture before the acquisition (and until such time as we can\nreplace these or make investments to uplift their capabilities), the failure of counterparties to satisfy any obligations to indemnify us against liabilities arising from the\nacquired businesses, and unfavorable market conditions that could negatively impact our growth expectations or expected synergies for the acquired businesses.\nFully integrating an acquired company or business into our operations (such as our 2021 acquisition of the BMO Global Asset Management (EMEA) business) takes\na significant amount of time and attention and incurs both expected and unexpected integration costs over several years. Integrations, particularly larger and more\nglobal integrations, are time-consuming and expensive and could significantly disrupt our business.\nRisks in divestiture transactions (many of which are present in sales of insurance blocks via reinsurance) include difficulties in the separation of the disposed\nbusiness, retention of obligations to indemnify for certain liabilities, the failure of counterparties to satisfy payment obligations, unfavorable market conditions that\nmay impact any earnout or contingency payment due to us, if any, and unexpected difficulties in losing employees of the disposed business. We cannot provide\nassurance that we will be successful in overcoming these risks or any other problems encountered with acquisitions, divestitures and other strategic transactions.\nExecution of our business strategies also may require certain regulatory approvals or consents, which may include approvals of the FRB and other domestic and non-\nU.S. regulatory authorities. These regulatory authorities may impose conditions on the activities or transactions contemplated by our business strategies which may\nnegatively impact our ability to realize fully the expected benefits of certain opportunities. These risks may prevent us from realizing the expected benefits from\nacquisitions or divestitures and could result in the failure to realize the full economic value of a strategic transaction or the impairment of goodwill and/or intangible\nassets recognized at the time of an acquisition.", "58a30be2-a8c8-4d8f-a963-da06e8f9ba55": "We cannot provide\nassurance that we will be successful in overcoming these risks or any other problems encountered with acquisitions, divestitures and other strategic transactions.\nExecution of our business strategies also may require certain regulatory approvals or consents, which may include approvals of the FRB and other domestic and non-\nU.S. regulatory authorities. These regulatory authorities may impose conditions on the activities or transactions contemplated by our business strategies which may\nnegatively impact our ability to realize fully the expected benefits of certain opportunities. These risks may prevent us from realizing the expected benefits from\nacquisitions or divestitures and could result in the failure to realize the full economic value of a strategic transaction or the impairment of goodwill and/or intangible\nassets recognized at the time of an acquisition. These risks could be heightened if we complete a large acquisition or multiple acquisitions within a short period of\ntime.\nLegal, Regulatory and Tax Risks\nLegal and regulatory actions are inherent in our businesses and could result in financial losses or harm our businesses.\nWe are, and in the future may be, subject to legal and regulatory actions in the ordinary course of our operations, both domestically and internationally. Actions\nbrought against us may result in awards, settlements, penalties, injunctions or other adverse results, including reputational damage. In addition, we may incur\nsignificant expenses in connection with our defense against such actions regardless of their outcome. Various regulatory and governmental bodies have the\nauthority to review our products and business practices and those of our employees and independent financial advisors and to bring regulatory or other legal actions\nagainst us if, in their view, our practices, or those of our employees or advisors, were or are deemed to be improper. Pending legal and regulatory actions include\nproceedings relating to aspects of our businesses and operations that are specific to us and proceedings that are typical\n26", "401a2bea-e21e-4c4a-92fb-911f39902dee": "Index\nAmeriprise Financial, Inc.\nof the industries and businesses in which we operate. Some of these proceedings have been brought on behalf of various alleged classes of complainants.\nOur businesses are heavily regulated, and changes to the laws and regulations applicable to our businesses may have an adverse effect on our operations,\nreputation and financial condition.\nVirtually all aspects of our business, including the activities of our parent company and our various subsidiaries, are subject to various federal, state and international\nlaws and regulations. For a discussion of the regulatory framework in which we operate, see \u201cBusiness - Regulation\u201d included in Part I, Item 1 of this Annual Report\non Form 10-K. Compliance with these applicable laws and regulations is expensive, time-consuming and personnel-intensive, and we have invested and will continue\nto invest substantial resources to ensure compliance by our parent company and our subsidiaries, directors, officers, employees, registered representatives and\nagents. In addition, sometimes these laws and regulations (and potential changes) are in conflict. Further, any future legislation or changes to the laws and\nregulations applicable to our businesses, as well as changes to the interpretation and enforcement of such laws and regulations, may affect our operations and\nfinancial condition. Legislation could require changes to our business operations or our regulatory reporting relationships which can require significant cost, effort\nand trade-offs. Such changes may impact our business operations and profitability, increase our costs of doing business, increase compliance costs as well as have a\nmaterial effect on fee rates, interest rates and foreign exchange rates, which could materially impact our products, services, investments, results of operations,\nproducts and liquidity in ways that we cannot predict. Ongoing changes to regulation and oversight of the financial industry may generate outcomes, the full impact\nof which cannot be immediately ascertained as government intervention could distort customary and expected commercial behavior.\nCertain examples of legislative and regulatory changes that may impact our businesses are described below. Some of the changes could present operational\nchallenges and increase costs. Ultimately the complexities and increased costs of legislative and regulatory changes could have an impact on our ability to offer cost-\neffective and innovative products to our clients.\nRegulation of Products and Services:\n Any mandated reductions or restructuring of the fees we charge for our products and services resulting from regulatory\ninitiatives or proceedings could reduce our revenues and/or earnings. For example, the DOL has proposed changes to regulations that define our advisors\u2019\nrelationships with their clients, such as requiring a fiduciary relationship between our advisors and clients for assets held in qualified investment accounts.\nInsurance Regulation:\n Changes in the state regulatory requirements applicable to our insurance companies that are made for the benefit of the consumer sometimes\nlead to additional expense for the insurer and, thus, could have a material adverse effect on our financial condition and results of operations. Further, we cannot\npredict the effect that proposed federal legislation may have on our businesses or competitors, such as the option of federally chartered insurers, a mandated federal\nsystemic risk regulator, future initiatives of the FIO within the Department of the Treasury or by any of the Domiciliary Regulators, the NAIC or the International\nAssociation of Insurance Supervisors with respect to insurance holding company supervision, capital standards or systemic risk regulation. As discussed earlier, the\nFRB has finalized minimum capital requirements which will begin to take effect in 2024.\nInternational Regulation:\n Potential measures taken by foreign and international authorities regarding anti-bribery, the nationalization or expropriation of assets, the\nimposition of limits on foreign ownership of local companies, increased environmental sustainability or governance requirements, changes in laws (including tax laws\nand regulations) and in their application or interpretation, imposition of large fines, political instability, capital requirements or dividend limitations, price controls,\nchanges in applicable currency, currency exchange controls, or other restrictions that prevent us from transferring funds from these operations out of the countries in\nwhich they operate or converting local currencies we hold to U.S. dollars or other currencies may negatively affect our business.\nEmployment Regulation:\n We have a global workforce and face expansion of employment laws in various states, cities, and countries. \nThese regulations vary from\njurisdiction to jurisdiction, and we seek to provide a uniform employee experience, while simultaneously complying with unique or differing regulatory requirements.\nA portion of our advisor force consists of independent contractors. Legislative or regulatory action that redefines the criteria for determining whether a person is an\nemployee or an independent contractor could materially impact our industry, our business and our relationships with (and ability to provide various types of support\nto) our advisors and their staff, resulting in an adverse effect on our results or operations.", "57a2982c-390f-4fba-bb5a-4b4ec93b7677": "dollars or other currencies may negatively affect our business.\nEmployment Regulation:\n We have a global workforce and face expansion of employment laws in various states, cities, and countries. \nThese regulations vary from\njurisdiction to jurisdiction, and we seek to provide a uniform employee experience, while simultaneously complying with unique or differing regulatory requirements.\nA portion of our advisor force consists of independent contractors. Legislative or regulatory action that redefines the criteria for determining whether a person is an\nemployee or an independent contractor could materially impact our industry, our business and our relationships with (and ability to provide various types of support\nto) our advisors and their staff, resulting in an adverse effect on our results or operations.\nPrivacy, Cybersecurity and Data:\n Our business is subject to comprehensive legal requirements concerning the use and protection of personal information, including\nclient and employee information, from a multitude of different functional regulators and law enforcement bodies. This regulatory framework is rapidly changing\nthrough an ever-increasing patchwork of state laws and regulation (such as the California Consumer Privacy Act and the California Privacy Rights Act) and\ninternational developments like GDPR. Further developments could negatively impact our business and operations.\nArtificial intelligence and external customer data and information source:\n Our business is subject to state insurance laws that sets forth regulatory expectations for\ninsurers using artificial intelligence or certain external customer data or information sources. We expect state regulatory activity to rapidly increase in 2024 with the\nrecent adoption of the NAIC\u2019s Model Bulletin on the Use of Artificial Intelligence Systems by Insurers. Federal and other regulators (such as the SEC) are also\nbeginning to propose rules around artificial intelligence. These developments as well as other developments could negatively impact our business and operations.\n27", "f737581a-2b25-4cbe-8f97-50fa80580d4c": "Index\nAmeriprise Financial, Inc.\nAs a Savings and Loan Holding Company, we are subject to supervision by the FRB and various prudential standards that may limit our activities and\nstrategies.\nAmeriprise Financial is subject to ongoing supervision by the FRB, including supervision and prudential standards, certain capital requirements, stress-testing,\nresolution planning, information security and privacy, and certain risk management requirements. Further, as a financial holding company, our activities are limited to\nthose that are financial in nature, incidental to a financial activity or, with FRB approval, complementary to a financial activity. Our broker-dealers and bank subsidiary\nare limited in their ability to lend or transact with affiliates and are subject to minimum regulatory capital and other requirements, as well as limitations on their ability\nto use funds deposited with them in brokerage or bank accounts to fund their businesses. These requirements may hinder our ability to access funds from our\nsubsidiaries. We may also become subject to a prohibition or limitations on our ability to pay dividends or repurchase our common stock. The federal banking\nregulators, including the OCC, FRB, FDIC, and SEC (through FINRA) have the authority and under certain circumstances, the obligation, to limit or prohibit dividend\npayments and stock repurchases by the banking organizations they supervise, including Ameriprise and its bank subsidiaries. Any changes to regulations or\nchanges to the supervisory approach may also result in increased compliance costs to the extent we are required to modify our existing compliance policies,\nprocedures and practices.\nCompliance with bank holding company laws and regulations, including the Volcker Rule, impacts the structure and availability of certain of our products and\nservices and our costs in providing those products and services. Costs of compliance may be driven by how these laws and regulations and the scale of Ameriprise\nBank evolves over the course of time as well as strategic acquisitions and other growth strategies we pursue in the future.\nFailure to meet one or more of these requirements could, depending on the violation, limit Ameriprise\u2019s ability to undertake new activities, continue certain activities,\nor make acquisitions other than those permitted generally for bank holding companies. Execution of our business strategies also may require certain regulatory\napprovals or consents, which may include approvals of the FRB and other domestic and non-U.S. regulatory authorities. These regulatory authorities may impose\nconditions on the activities or transactions contemplated by our business strategies which may negatively impact our ability to realize fully the expected benefits of\ncertain opportunities.\nChanges in corporate tax laws and regulations and changes in the interpretation of such laws and regulations, as well as adverse determinations regarding the\napplication of such laws and regulations, could adversely affect our earnings and could make some of our products less attractive to clients.\nWe are subject to the income tax laws of the U.S., its states and municipalities and those of the foreign jurisdictions in which we have significant business operations.\nWe must make judgments and interpretations about the application of these inherently complex tax laws when determining the provision for income taxes and must\nalso make estimates about when in the future certain items affect taxable income in the various tax jurisdictions. In addition, changes to the Internal Revenue Code,\nstate or foreign tax laws, administrative rulings or court decisions could increase our provision for income taxes and reduce our earnings. Furthermore, guidance\nissued by the U.S. Department of Treasury and others can be critical to the application and impact of new laws and in avoiding unintended impacts from legislation.\nThe jurisdictions we operate in may not always provide clear guidance that is responsive to industry questions and concerns. If guidance is unclear, it could increase\nour taxes or create a potential for disagreement about interpretation of the tax code.\nMany of the products we issue or on which our businesses are based (including both insurance products and non-insurance products) receive favorable treatment\nunder current U.S. federal income or estate tax law. Changes in U.S. federal income or estate tax law could reduce or eliminate the tax advantages of certain of our\nproducts and thus make such products less attractive to clients or cause a change in client demand and activity.\nWe may not be able to protect our intellectual property and may be subject to infringement claims.\nWe rely on a combination of contractual rights and copyright, trademark, patent registrations and trade secret laws to establish and protect our intellectual property.\nAlthough we use a broad range of measures to protect our intellectual property rights, third parties may infringe or misappropriate our intellectual property or attempt\nto use the same to defraud others.", "50a3e235-263b-4bec-ba8e-4e5f5ce03052": "If guidance is unclear, it could increase\nour taxes or create a potential for disagreement about interpretation of the tax code.\nMany of the products we issue or on which our businesses are based (including both insurance products and non-insurance products) receive favorable treatment\nunder current U.S. federal income or estate tax law. Changes in U.S. federal income or estate tax law could reduce or eliminate the tax advantages of certain of our\nproducts and thus make such products less attractive to clients or cause a change in client demand and activity.\nWe may not be able to protect our intellectual property and may be subject to infringement claims.\nWe rely on a combination of contractual rights and copyright, trademark, patent registrations and trade secret laws to establish and protect our intellectual property.\nAlthough we use a broad range of measures to protect our intellectual property rights, third parties may infringe or misappropriate our intellectual property or attempt\nto use the same to defraud others. We may have to litigate to enforce and protect our brand and reputation, copyrights, trademarks, patents, trade secrets and know-\nhow, or to determine their scope, validity or enforceability, which represents a diversion of resources that may be significant in amount and may not prove\nsuccessful. The loss of intellectual property protection, or the inability to secure or enforce the protection of our intellectual property assets, could have a material\nadverse effect on our business and our ability to compete.\nWe also may be subject to costly litigation in the event that another party alleges our operations or activities infringe upon, or constitute misappropriation of, such\nother party\u2019s intellectual property rights. Third parties may have, or may eventually be issued, patents or other protections that could be infringed by our products,\nmethods, processes or services, or could otherwise limit our ability to offer certain product features. Any party that holds a patent could make a claim of infringement\nagainst us. The threat of patent litigation from non-practicing entities could impact financial services firms and successful resolution could still have a significant\nfinancial impact. We may also be subject to claims by third parties for breach of copyright, trademark, license rights, or misappropriation of trade secret rights. Any\nsuch claims and any resulting litigation could result in significant liability for damages. If we were found to have infringed or misappropriated a third-party patent or\nother intellectual property rights, we could incur substantial\n28", "edd29036-6a0d-47f3-9e62-d4f9814527ab": "Index\nAmeriprise Financial, Inc.\nliability, and in some circumstances could be enjoined from providing certain products or services to our customers or utilizing and benefiting from certain methods,\nprocesses, copyrights, trademarks, trade secrets or licenses, or alternatively could be required to enter into costly licensing arrangements with third parties, all of\nwhich could have a material adverse effect on our business, results of operations and financial condition.\nChanges in and the adoption of accounting standards could have a material impact on our financial statements.\nOur accounting policies provide a standard for how we record and report our results of operations and financial condition. We prepare our financial statements in\naccordance with U.S. generally accepted accounting principles. It is possible that accounting changes could have a material effect on our results of operations and\nfinancial condition. The Financial Accounting Standards Board (\u201cFASB\u201d), the SEC and other regulators often change the financial accounting and reporting\nstandards governing the preparation of our financial statements. These changes are difficult to predict and could impose additional governance, internal control and\ndisclosure demands. In some cases, we could be required to apply a new or revised standard retrospectively, resulting in our restating prior period financial\nstatements. As an example, in August 2018, the FASB updated the accounting standard related to long-duration insurance and annuity contracts that is effective\nJanuary 1, 2023 and resulted in significant changes to how we account for and report our insurance and annuity contracts (both in force and new business), including\nupdating assumptions used to measure the liability for future policy benefits for traditional and limited-payment contracts, measurement of market risk benefits and\namortization of DAC. See Note 3 to our Consolidated Financial Statements included in Part II, Item 8 of this Annual Report on Form 10-K for additional information on\nrecent accounting pronouncements.\nItem 1B. \nUnresolved Staff Comments\nNone.\nItem 1C. \nCybersecurity\nRisk Management and Strategy\nCybersecurity is a key part of our business and client experience and is integrated into our enterprise risk management processes and policies. We maintain written\npolicies, processes and procedures that seek to identify, protect, detect, respond to, and recover from known and emerging cybersecurity risks. Our program includes\nconsuming threat intelligence and ongoing monitoring of known external threats. We also have operating policies and procedures designed to comply with applicable\nrequirements in jurisdictions we operate in globally. Our policies and procedures are regularly reviewed and internally assessed to enhance our corporate security\ncapabilities. We make ongoing investments in our technology infrastructure to support cybersecurity efforts and support reliability and the user experience. We offer\nclients and advisors a variety of options to help secure their information, including multi-factor authentication and the use of secure messaging sites. We provide our\nemployees and advisors with ongoing security training and periodically test their skills and understanding with various cybersecurity exercises.\nWe remain vigilant against cybersecurity risks as part of operating our business. Our cybersecurity team is led by experienced staff, including our Chief Information\nOfficer, who has been with the company in various technology positions since 2002. Previously, he worked for other companies holding senior delivery and\narchitecture roles and holds both a bachelor\u2019s degree in engineering and an MBA. Our Chief Information Security Officer has over 30 years of broad IT experience,\nwith expertise in Information Security. His background also includes systems design and development, and he has expertise in database administration and database\nplatforms across both mainframe and distributed platforms. Prior to joining the company, he worked as a consultant and a developer at other companies. Our risk\nmanagement approach involves a matrixed structure of leaders who bring various levels of cybersecurity and technology expertise to their areas of risk management.\nOur technology team relies on their enterprise-wide colleagues\u2019 expertise when needed to plan, respond, and mitigate incidents.\nWe conduct regular vulnerability scanning and related remediation activities for our applications and systems. We have documented expectations for the patching\nand updating of our software environment and set similar expectations for our financial advisors and third-party service providers where they retain control of their\nenvironment. Our cybersecurity approach supports both business continuity and risk mitigation. Should an incident occur, we have plans in place that are designed\nto mitigate the impact to our operations while we respond and recover, if necessary. We run a global security operations center that continuously monitors our\nnetworks and systems and is prepared to contact the appropriate teams to respond to an incident should one occur. Depending on the incident, the response group\nmay include participation from a wide variety of groups across the enterprise. We conduct regular exercises to verify that our business continuity plans are capable\nof recovering our operating capabilities in line with our business needs and expectations.", "0ce96265-37db-48bf-8a4c-adc8bf14a008": "We conduct regular vulnerability scanning and related remediation activities for our applications and systems. We have documented expectations for the patching\nand updating of our software environment and set similar expectations for our financial advisors and third-party service providers where they retain control of their\nenvironment. Our cybersecurity approach supports both business continuity and risk mitigation. Should an incident occur, we have plans in place that are designed\nto mitigate the impact to our operations while we respond and recover, if necessary. We run a global security operations center that continuously monitors our\nnetworks and systems and is prepared to contact the appropriate teams to respond to an incident should one occur. Depending on the incident, the response group\nmay include participation from a wide variety of groups across the enterprise. We conduct regular exercises to verify that our business continuity plans are capable\nof recovering our operating capabilities in line with our business needs and expectations. In addition, our global privacy team provides oversight and support to\nbusiness and staff groups in conducting annual risk assessments regarding the secure handling of personally identifiable information.\nAdditionally, as part of our formal procurement and vendor management process, we ask our third-party service providers to have and maintain cybersecurity\nprograms that are consistent with our legal and regulatory obligations, and we review cybersecurity risk assessments of those third-party service providers who\nprovide key technology and services. For third-party service providers that do go through our formal procurement process and vendor risk management assessment,\nour vendor risk management team assigns tiers. The tiers are based on a combination of criteria, including the services provided and the information to which they\nhave access, to focus the most detailed reviews and the most frequent assessments on highest tiered third-party service providers, while also\n29", "2c0b311e-2181-4313-b296-d0494ad1ff78": "Index\nAmeriprise Financial, Inc.\nmaintaining an appropriate level of review and monitoring on lower tiers. Some third-party service providers contracted outside of the formal procurement process\nmay still be subject to providing information about their security programs based on services performed.\nOur Vendor Risk Management Office provides oversight and support to the business teams as end-users of the third-party service providers\u2019 goods and services,\nwhile also providing a conduit through which oversight can be conducted by our management and board. When a third-party service provider is off-boarded through\nour procurement and vendor management process, they are subject to an off-boarding review when the relationship ends that is designed to obtain the return or\ndestruction of our information. Our vendor management teams provide risk assessment reporting to business teams, internal risk management committees and our\nexecutive leadership. The reporting structure supports an effective design of the program, provides transparency, and drives regulatory compliance. Third-party\nservice providers that participate in the delivery of services to us, as well as their fourth-parties, are also generally expected to have and maintain cybersecurity\ndefenses, so long as they participate in the delivery of services to us to help protect our systems and our clients from incursions through third-party services\u2019\nsystems. Should one of our third-party service providers suffer a breach in their or their fourth-party systems, we rely on them to inform us and work with us to\nprotect our systems, remediate breaches, and mitigate the impact to our clients and our technology.\nGovernance\nStrong ongoing governance practices and policies support our cybersecurity program. The Board of Directors and the Audit and Risk Committee are central to the\noversight of the company\u2019s cybersecurity risk management program operated by senior management. In addition to the Audit and Risk Committee receiving quarterly\ncybersecurity updates, the Audit and Risk Committee discusses with management, the General Auditor, and others the company\u2019s enterprise-wide risk assessment\nand risk management processes. These updates to the Audit and Risk Committee include a review of prevailing material risks and exposures, including cybersecurity\nand data protection threats and risks, the actions taken to address these threats and mitigate these risks, and the design and effectiveness of our processes and\ncontrols in light of evolving market, business, regulatory, and other conditions. Our Audit and Risk Committee has semiannual trainings, to which the full board is\nalso invited, to stay educated on ever-evolving cybersecurity topics. These processes and information sharing enable the Board of Directors, the Audit and Risk\nCommittee, and our management team to remain informed and aligned about our approach to cybersecurity risk, and the monitoring of these risks and incidents, as\nappropriate. Our executive Vice President of Technology and Chief Information Officer, our Chief Information Security Officer, and other officers regularly review with\nour Board of Directors and the Audit and Risk Committee topics such as the following: the cyber threat landscape; the design, effectiveness and ongoing\nenhancement of our capabilities to identify, protect, detect, respond to and recover from cyber threats and events; and any incidents that merit discussion.\nDuring 2023, the Audit and Risk Committee reviewed our identity theft prevention and privacy programs and discussed, among other topics: mandatory staff training\non fraud prevention, including threats from social engineering, identity theft experience and trends; the effectiveness of existing controls and planned enhancements\nto those controls; and key areas of focus for the identity theft and privacy programs.\nItem 2. \nProperties\nWe operate our business from two principal locations, both of which are located in Minneapolis, Minnesota: the Ameriprise Financial Center, a 959,000 square foot\nbuilding that we lease, and our Client Service Center, an 871,000 square foot building, that we own. In 2023, we started the process to consolidate our Minneapolis\noffice footprint, and we plan to move all our Minneapolis based employees to our Client Service Center by 2025. Generally, we lease the premises we occupy in other\nlocations, including the 38,000 square foot executive offices that we lease in New York City and branch offices for our employee advisors throughout the U.S.\nOur other principal leases are in the following locations:\n\u2022\nColumbia Threadneedle occupies 82,000 square feet of offices in Boston. Columbia Threadneedle also leases approximately 66,000 square feet of a shared\nbuilding in London plus an additional 60,000 square feet in three shared buildings in London (as well as additional locations in Swindon, U.K., Dorking, U.K. and\nEdinburgh, U.K.", "d0e61cb3-e27e-4c25-b4e6-82b118615ea9": "In 2023, we started the process to consolidate our Minneapolis\noffice footprint, and we plan to move all our Minneapolis based employees to our Client Service Center by 2025. Generally, we lease the premises we occupy in other\nlocations, including the 38,000 square foot executive offices that we lease in New York City and branch offices for our employee advisors throughout the U.S.\nOur other principal leases are in the following locations:\n\u2022\nColumbia Threadneedle occupies 82,000 square feet of offices in Boston. Columbia Threadneedle also leases approximately 66,000 square feet of a shared\nbuilding in London plus an additional 60,000 square feet in three shared buildings in London (as well as additional locations in Swindon, U.K., Dorking, U.K. and\nEdinburgh, U.K.), approximately 39,000 square feet of a shared building in New York and also leases property in a number of other cities to support its global\noperations;\n\u2022\nLas Vegas, Nevada (supporting aspects of our Advice & Wealth Management businesses) and Gurugram and Noida India (supporting our broader business in\nthe U.S. and globally).\n\u2022\nWe recently opened a Charlotte, North Carolina location in a 53,000 square feet space that we lease for corporate and business support.\nWe believe that the facilities owned or occupied by our company suit our needs and are well maintained.\nItem 3. \nLegal Proceedings\nFor a discussion of material legal proceedings, see Note 26 to our Consolidated Financial Statements included in Part II, Item 8 of this Annual Report on Form 10-K,\nwhich is incorporated herein by reference.\nItem 4. \nMine Safety Disclosures\nNot applicable.\n30", "9f854904-da30-4325-a2b4-2cb7f958f023": "Index\nAmeriprise Financial, Inc.\nPART II.\nItem 5. \nMarket for Registrant\u2019s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities\nOur common stock trades principally on The New York Stock Exchange under the trading symbol AMP. As of February 9, 2024, we had approximately 11,751 common\nshareholders of record. Information regarding our equity compensation plans can be found in Part III, Item 12 of this Annual Report on Form 10-K. Information\ncomparing the cumulative total shareholder return on our common stock to the cumulative total return for certain indices is set forth under the heading \u201cPerformance\nGraph\u201d provided in our 2023 Annual Report to Shareholders and is furnished herewith.\nWe are primarily a holding company and, as a result, our ability to pay dividends in the future will depend on receiving dividends from our subsidiaries. For\ninformation regarding our ability to pay dividends, see the information set forth under the heading \u201cManagement\u2019s Discussion and Analysis of Financial Condition\nand Results of Operations \u2014 Liquidity and Capital Resources\u201d contained in Part II, Item 7 of this Annual Report on Form 10-K.\nShare Repurchases\nThe following table presents the information with respect to purchases made by or on behalf of Ameriprise Financial, Inc. or any \u201caffiliated purchaser\u201d (as defined in\nRule 10b-18(a)(3) under the Exchange Act), of our common stock during the fourth quarter of 2023:\n(a)\n(b)\n(c)\n(d)\nPeriod\nTotal Number\nof Shares Purchased\nAverage Price\nPaid Per Share\nTotal Number of Shares\nPurchased as part of\nPublicly Announced Plans\nor Programs \nApproximate Dollar\nValue of Shares that\nMay Yet Be Purchased\nUnder the Plans or\nPrograms \nOctober 1, 2023 to October 31, 2023\n \n \n \n \nShare repurchase program \n273,963 \n$\n324.02 \n273,963 \n$\n3,474,380,514 \nEmployee transactions \n1,613 \n$\n321.01 \nN/A\nN/A\nNovember 1, 2023 to November 30, 2023\nShare repurchase program \n475,133 \n$\n346.37 \n475,133 \n$\n3,309,808,008 \nEmployee transactions \n18,664 \n$\n344.13 \nN/A\nN/A\nDecember 1, 2023 to December 31, 2023\nShare repurchase program \n516,544 \n$\n369.23 \n516,544 \n$\n3,119,083,448 \nEmployee transactions \n92,825 \n$\n370.31 \nN/A\nN/A\nTotals\n \n \n \nShare repurchase program \n1,265,640 \n$\n350.86 \n1,265,640 \n \nEmployee transactions \n113,102 \n$\n365.29 \nN/A\n \n \n1,378,742 \n \n1,265,640 \n \nN/A Not applicable. \n In January 2022, our Board of Directors authorized an expenditure of up to $3.0 billion for the repurchase of our common stock through March 31, 2024, which was exhausted\nduring the fourth quarter of 2023. On July 24, 2023, our Board of Directors authorized an additional $3.5 billion for the repurchase of our common stock through September 30,\n2025. The share repurchase program does not require the purchase of any minimum number of shares, and depending on market conditions and other factors, these purchases may\nbe commenced or suspended at any time without prior notice. Acquisitions under the share repurchase program may be made in the open market, through privately negotiated\ntransactions or block trades or other means.\n Includes restricted shares withheld pursuant to the terms of awards under the Company\u2019s share-based compensation plans to offset tax withholding obligations that occur upon\nvesting and release of restricted shares. The value of the restricted shares withheld is the closing price of common stock of Ameriprise Financial, Inc. on the date the relevant\ntransaction occurs. Also includes shares withheld pursuant to the net settlement of Non-Qualified Stock Option (\u201cNQSO\u201d) exercises to offset tax withholding obligations that occur\nupon exercise and to cover the strike price of the NQSO. The value of the shares withheld pursuant to the net settlement of NQSO exercises is the closing price of common stock of\nAmeriprise Financial, Inc. on the day prior to the date the relevant transaction occurs.\nItem 6. \n[Reserved]\n(1)\n(1)\n(1)\n(2)\n(1)\n(2)\n(1)\n(2)\n(1)\n(2)\n(1)\n(2)\n31", "c40015d2-da82-4f94-b4c4-e35fd0e65fc5": "Index\nAmeriprise Financial, Inc.\nItem 7. \nManagement\u2019s Discussion and Analysis of Financial Condition and Results of Operations\nThe following discussion and analysis of our consolidated financial condition and results of operations should be read in conjunction with the \u201cForward-Looking\nStatements,\u201d our Consolidated Financial Statements and Notes that follow and the \u201cRisk Factors\u201d included in our Annual Report on Form 10-K. References to\n\u201cAmeriprise Financial,\u201d \u201cAmeriprise,\u201d the \u201cCompany,\u201d \u201cwe,\u201d \u201cus,\u201d and \u201cour\u201d refer to Ameriprise Financial, Inc. exclusively, to our entire family of companies, or to\none or more of our subsidiaries.\nOverview\nAmeriprise Financial is a diversified financial services company with a nearly 130-year history of providing financial solutions. We are a long-standing leader in\nfinancial planning and advice with $1.4 trillion in assets under management and administration as of December 31, 2023. We offer a broad range of products and\nservices designed to achieve individual and institutional clients\u2019 financial objectives. For additional discussion of our businesses, see Part I, Item 1 of this Annual\nReport on Form 10-K.\nThe products and services we provide retail clients and, to a lesser extent, institutional clients, are the primary source of our revenues and net income. Revenues and\nnet income are significantly affected by investment performance and the total value and composition of assets we manage and administer for our retail and\ninstitutional clients as well as the distribution fees we receive from other companies. These factors, in turn, are largely determined by overall investment market\nperformance and the depth and breadth of our individual client relationships.\nWe operate our business in the broader context of the macroeconomic forces around us, including the global and U.S. economies, \nchanges in interest and inflation\nrates, financial market volatility, fluctuations in foreign exchange rates, geopolitical strain, pandemics, the competitive environment, client and customer activities and\npreferences, and the various regulatory and legislative developments. Financial markets and macroeconomic conditions have had and will continue to have a\nsignificant impact on our operating and performance results. In addition, the business, political and regulatory environments in which we operate are subject to\nelevated uncertainty and substantial, frequent change. Accordingly, we expect to continue focusing on our key strategic objectives and obtaining operational and\nstrategic leverage from our core capabilities. The success of these and other strategies may be affected by the factors discussed in Item 1A of this Annual Report on\nForm 10-K - \u201cRisk Factors\u201d - and other factors as discussed herein.\nEquity price, credit market and interest rate fluctuations can have a significant impact on our results of operations, primarily due to the effects they have on the asset\nmanagement and other asset-based fees we earn, the values of market risk benefits and embedded derivatives associated with our variable annuities and the values of\nderivatives held to hedge these benefits and the \u201cspread\u201d income generated on our deposit products, fixed insurance, the fixed portion of variable annuities and\nvariable insurance contracts and fixed deferred annuities. We have been operating in a historically low interest rate environment but have recently experienced a\nsubstantial increase in rates with uncertainty about where rates will go in the future. A higher (lower) interest rate environment may result in decreases (increases) to\nour long-duration contract reserves, which may impact our adjusted operating earnings after tax. For additional discussion on our interest rate risk, see Item 7A.\n\u201cQuantitative and Qualitative Disclosures About Market Risk.\u201d\nIn the third quarter, we conducted our annual review of life insurance, annuity and long term care (\u201cLTC\u201d) valuation assumptions relative to current experience and\nmanagement expectations including modeling changes. These annual assumption updates are collectively referred to as unlocking. See our Consolidated and\nSegment Results of Operations sections for the pretax impacts on our revenues and expenses attributable to unlocking.\nOn July 13, 2023, we announced that we withdrew our application to convert Ameriprise Bank, FSB (\u201cAmeriprise Bank\u201d) to a state-chartered industrial bank and our\napplication to establish a new limited purpose national trust bank. Ameriprise Bank will continue to operate as it does today, regulated by the Office of the\nComptroller of the Currency and the Federal Deposit Insurance Corporation. These changes are not expected to impact our long-term growth strategy for Ameriprise\nBank and we will continue to offer our strong lineup of banking solutions, including deposits, credit cards, mortgages and securities-based lending to our wealth\nmanagement clients without interruption.\nWe consolidate certain variable interest entities for which we provide asset management services.", "2a0198eb-d2c5-4f09-bed4-7be8b2b6f28f": "These annual assumption updates are collectively referred to as unlocking. See our Consolidated and\nSegment Results of Operations sections for the pretax impacts on our revenues and expenses attributable to unlocking.\nOn July 13, 2023, we announced that we withdrew our application to convert Ameriprise Bank, FSB (\u201cAmeriprise Bank\u201d) to a state-chartered industrial bank and our\napplication to establish a new limited purpose national trust bank. Ameriprise Bank will continue to operate as it does today, regulated by the Office of the\nComptroller of the Currency and the Federal Deposit Insurance Corporation. These changes are not expected to impact our long-term growth strategy for Ameriprise\nBank and we will continue to offer our strong lineup of banking solutions, including deposits, credit cards, mortgages and securities-based lending to our wealth\nmanagement clients without interruption.\nWe consolidate certain variable interest entities for which we provide asset management services. These entities are defined as consolidated investment entities\n(\u201cCIEs\u201d). While the consolidation of the CIEs impacts our balance sheet and income statement, our exposure to these entities is unchanged and there is no impact to\nthe underlying business results. For further information on CIEs, see Note 5 to our Consolidated Financial Statements. The results of operations of the CIEs are\nreflected in the Corporate & Other segment. On a consolidated basis, the management fees we earn for the services we provide to the CIEs and the related general\nand administrative expenses are eliminated and the changes in fair value of assets and liabilities related to the CIEs, primarily syndicated loans and debt, are reflected\nin Net investment income. We include the fees from these entities in the Management and financial advice fees line within our Asset Management segment.\nWhile our Consolidated Financial Statements are prepared in accordance with U.S. generally accepted accounting principles (\u201cGAAP\u201d), management believes that\nadjusted operating measures, which exclude net realized investment gains or losses, net of the \nreinsurance accrual; the market impact on non-traditional long-duration\nproducts (including variable and fixed deferred annuity contracts and universal life (\u201cUL\u201d) insurance contracts), net of hedges and the reinsurance accrual; mean\nreversion related impacts (the impact on variable annuity and variable universal life (\u201cVUL\u201d) products for the difference between assumed and updated separate\naccount investment performance on the reinsurance accrual and additional insurance benefit reserves); the market impact of hedges to\n32", "e735a5d8-b394-489e-b4da-94589b5e835f": "Index\nAmeriprise Financial, Inc.\noffset interest rate and currency changes on unrealized gains or losses for certain investments; block transfer reinsurance transaction impacts; gain or loss on\ndisposal of a business that is not considered discontinued operations; integration and restructuring charges; income (loss) from discontinued operations; and the\nimpact of consolidating CIEs, best reflect the underlying performance of our core operations and facilitate a more meaningful trend analysis.\nThe market impact on non-traditional long-duration products includes changes in market risk benefits and embedded derivative values caused by changes in financial\nmarket conditions, net of changes in economic hedge values and unhedged items including the difference between assumed and actual underlying separate account\ninvestment performance, fixed income credit exposures, transaction costs and certain policyholder contract elections. The market impact also includes certain\nvaluation adjustments made in accordance with FASB Accounting Standards Codification 820, \nFair Value Measurements and Disclosure\ns, including the impact on\nembedded derivative values of discounting projected benefits to reflect a current estimate of our life insurance subsidiaries\u2019 nonperformance spread.\nIn the first quarter of 2023, management introduced an adjusted capital measure (\u201cAvailable Capital for Capital Adequacy\u201d), which management believes best reflects\nthe available capital resources of our operations and facilitates a meaningful trend analysis. Available Capital for Capital Adequacy adjusts GAAP total equity and\nexcludes accumulated other comprehensive income (\u201cAOCI\u201d); goodwill and intangibles; RiverSource Life Insurance Company\u2019s GAAP equity excluding AOCI; and\nincludes RiverSource Life Insurance Company\u2019s statutory total adjusted capital prepared in conformity with accounting practices prescribed or permitted by the State\nof Minnesota Department of Commerce; and other adjustments, primarily certain deferred tax balances.\nManagement uses these non-GAAP measures to evaluate our financial performance on a basis comparable to that used by some securities analysts and investors.\nAlso, certain of these non-GAAP measures are taken into consideration, to varying degrees, for purposes of business planning and analysis and for certain\ncompensation-related matters. Throughout our Management\u2019s Discussion and Analysis, these non-GAAP measures are referred to as adjusted operating measures.\nThese non-GAAP measures should not be viewed as a substitute for U.S. GAAP measures.\nConcurrent with the adoption of Accounting Standards Update 2018-12, \nTargeted Improvements to the Accounting for Long-Duration Contracts\n, management no\nlonger excludes adjustments for deferred acquisition costs (\u201cDAC\u201d), deferred sales inducement costs (\u201cDSIC\u201d) and unearned revenue amortization from adjusted\noperating earnings measures. Amortization of DAC, DSIC, and unearned revenue is no longer impacted by markets and is now amortized on a constant-level basis in\naccordance with GAAP.\nIt is management\u2019s priority to increase shareholder value over a multi-year horizon by achieving our on-average, over-time financial targets.\nOur financial targets are:\n\u2022\nAdjusted operating earnings per diluted share growth of 12% to 15%, and\n\u2022\nAdjusted operating return on equity of over 30%.\nThe following table reconciles our GAAP measures to adjusted operating measures:\nPer Diluted Share\n \nYears Ended December 31,\nYears Ended December 31,\n2023\n2022\n2023\n2022\n(in millions, except per share amounts)\nNet income\n$\n2,556 \n$\n3,149 \n$\n23.71 \n$\n27.70 \nLess Adjustments:\nNet realized investment gains (losses) \n(32)\n(93)\n(0.30)\n(0.82)\nMarket impact on non-traditional long-duration products \n(608)\n483 \n(5.63)\n4.25 \nMean reversion related impacts \n\u2014 \n(1)\n\u2014 \n(0.01)\nIntegration/restructuring charges \n(62)\n(50)\n(0.58)\n(0.44)\nNet income (loss) attributable to CIEs\n\u2014 \n(4)\n\u2014 \n(0.04)\nTax effect of adjustments \n147 \n(71)\n1.36 \n(0.61)\nAdjusted operating earnings\n$\n3,111 \n$\n2,885 \n$\n28.86 \n$\n25.37 \nWeighted average common shares outstanding:\n \n \n \n \nBasic\n105.7 \n111.3 \n \n \nDiluted\n107.8 \n113.7 \n \n \n Pretax adjusted operating adjustments.\n Calculated using the statutory tax rate of 21%.\n(1)\n(1)\n(1)\n(1)\n(2)\n(1)\n(2)\n33", "cfc686fb-f42e-4b4d-aaec-3989ba298196": "Index\nAmeriprise Financial, Inc.\nThe following table reconciles net income to adjusted operating earnings and the five-point average of quarter-end equity to adjusted operating equity:\n \nYears Ended December 31,\n2023\n2022\n(in millions)\nNet income\n$\n2,556 \n$\n3,149 \nLess: Adjustments \n(555)\n264 \nAdjusted operating earnings\n$\n3,111 \n$\n2,885 \nTotal Ameriprise Financial, Inc. shareholders\u2019 equity\n$\n4,116 \n$\n4,170 \nLess: AOCI, net of tax\n(2,297)\n(1,769)\nTotal Ameriprise Financial, Inc. shareholders\u2019 equity, excluding AOCI\n6,413 \n5,939 \nLess: Equity impacts attributable to CIEs\n(4)\n\u2014 \nAdjusted operating equity\n$\n6,417 \n$\n5,939 \nReturn on equity, excluding AOCI\n39.9 \n%\n53.0 \n%\nAdjusted operating return on equity, excluding AOCI\n48.5 \n%\n48.6 \n%\nAdjustments reflect the sum of after-tax net realized investment gains/losses, net of the reinsurance accrual; the market impact on non-traditional long-duration products (including\nvariable and fixed deferred annuity contracts and UL insurance contracts), net of hedges and the reinsurance accrual; mean reversion related impacts; block transfer reinsurance\ntransaction impacts; the market impact of hedges to offset interest rate and currency changes on unrealized gains or losses for certain investments; gain or loss on disposal of a\nbusiness that is not considered discontinued operations; integration and restructuring charges; income (loss) from discontinued operations; and net income (loss) from consolidated\ninvestment entities. After-tax is calculated using the statutory tax rate of 21%.\nAdjusted operating return on equity, excluding AOCI is calculated using adjusted operating earnings in the numerator and Ameriprise Financial shareholders\u2019 equity, excluding AOCI\nand the impact of consolidating investment entities using a five-point average of quarter-end equity in the denominator. After-tax is calculated using the statutory rate of 21%.\nThe following table reconciles GAAP total equity to Available Capital for Capital Adequacy:\nDecember 31, 2023\nDecember 31, 2022\n(in millions)\nAmeriprise Financial, Inc. GAAP total equity\n$\n4,729 \n$\n3,803 \nLess: AOCI\n(1,766)\n(2,546)\nAmeriprise Financial, Inc. GAAP total equity, excluding AOCI\n6,495 \n6,349 \nLess: RiverSource Life Insurance Company GAAP equity, excluding AOCI\n1,851 \n2,057 \nAdd: RiverSource Life Insurance Company statutory total adjusted capital\n3,093 \n3,103 \nLess: Goodwill and intangibles\n2,622 \n2,485 \nAdd: Other adjustments\n303 \n299 \n Available Capital for Capital Adequacy\n$\n5,418 \n$\n5,209 \nCritical Accounting Estimates\nThe accounting and reporting policies that we use affect our Consolidated Financial Statements. Certain of our accounting and reporting policies are critical to an\nunderstanding of our consolidated results of operations and financial condition and, in some cases, the application of these policies can be significantly affected by\nthe estimates, judgments and assumptions made by management during the preparation of our Consolidated Financial Statements. The accounting and reporting\npolicies and estimates we have identified as fundamental to a full understanding of our consolidated results of operations and financial condition are described\nbelow. See Note 2 to our Consolidated Financial Statements for further information about our accounting policies.\nValuation of Investments\nThe most significant component of our investments is our Available-for-Sale securities, which we carry at fair value within our Consolidated Balance Sheets. See\nNote 16 to our Consolidated Financial Statements for discussion of the fair value of our Available-for-Sale securities. Financial markets are subject to significant\nmovements in valuation and liquidity, which can impact our ability to liquidate and the selling price that can be realized for our securities and increases the use of\njudgment in determining the estimated fair value of certain investments. We are unable to predict impacts and determine sensitivities in reported amounts reflecting\nsuch market movements on our aggregate Available-for-Sale portfolio. Changes to these assumptions do not occur in isolation and it is impracticable to predict such\nimpacts at the individual security unit of measure which are predominately Level 2 fair value and based on observable inputs.\n(1)\n (2)\n(1) \n(2) \n34", "67a08b78-c2a7-49ac-8607-abb2cb38950c": "Index\nAmeriprise Financial, Inc.\nMarket Risk Benefits\nMarket risk benefits are contracts or contract features that both provide protection to the contractholder from other-than-nominal capital market risk and expose us to\nother-than-nominal capital market risk. Market risk benefits include certain contract features on variable annuity products that provide minimum guarantees to\npolicyholders. Guarantees accounted for as market risk benefits include guaranteed minimum death benefit (\u201cGMDB\u201d), guaranteed minimum income benefit (\u201cGMIB\u201d),\nguaranteed minimum withdrawal benefit (\u201cGMWB\u201d) and guaranteed minimum accumulation benefit (\u201cGMAB\u201d).\nVariable Annuities\nWe have approximately $81 billion of variable annuity account value that has been issued over a period of more than fifty years. The diversified variable annuity\nblock consists of $37 billion of account value with no living benefit guarantees and $44 billion of account value with living benefit guarantees, primarily GMWB\nprovisions. The business is predominately issued through the \nAmeriprise Financial\n advisor network. The majority of the variable annuity contracts currently\noffered by us contain GMDB provisions. We discontinued most new sales of GMWB and GMAB at the end of 2021 and new sales were completely discontinued as\nof mid-2022. We also previously offered contracts containing GMIB provisions. See Note 13 to our Consolidated Financial Statements for further discussion of our\nvariable annuity contracts.\nIn determining the assets or liabilities for market risk benefits, we project these benefits and contract assessments using actuarial models to simulate various equity\nmarket scenarios. Significant assumptions made in projecting future benefits and assessments relate to customer asset value growth rates, mortality, surrenders (also\nreferred to as persistency), benefit utilization and investment margins. Management reviews, and where appropriate, adjusts its assumptions each quarter. Unless\nmanagement identifies a material deviation over the course of quarterly monitoring, management reviews and updates these assumptions annually in the third quarter\nof each year.\nIn addition, the valuation of market risk benefits is impacted by an estimate of our nonperformance risk adjustment. This estimate includes a spread over the U.S.\nTreasury curve as of the balance sheet date. As our estimate of this spread over the U.S. Treasury curve widens or tightens, the liability will decrease or increase. The\nchange in fair value due to changes in our nonperformance risk is recorded in other comprehensive income.\nRegarding the exposure to variable annuity living benefit guarantees, changes to reserves due to behavioral risk are driven by changes in policyholder surrenders\nand utilization of guaranteed withdrawal benefits. We have extensive experience studies and analysis to monitor changes and trends in policyholder behavior. A\nsignificant volume of company-specific policyholder experience data is available and provides management with the ability to regularly analyze policyholder\nbehavior. On a monthly basis, actual surrender and benefit utilization experience is compared to expectations. Experience data includes detailed policy information\nproviding the opportunity to review impacts of multiple variables. The ability to analyze differences in experience, such as presence of a living benefit rider, existence\nof surrender charges, and tax qualifications provide us an effective approach in detecting changes in policyholder behavior.\nAt least annually, we perform a thorough policyholder behavior analysis to validate the assumptions included in our market risk benefit reserves. The variable\nannuity assumptions and resulting reserve computations reflect multiple policyholder variables. Differentiation in assumptions by policyholder age, existence of\nsurrender charges, guaranteed withdrawal utilization, and tax qualification are examples of factors recognized in establishing management\u2019s assumptions used in\nmarket risk benefit calculations. The extensive data derived from our variable annuity block informs management in confirming previous assumptions and revising the\nvariable annuity behavior assumptions. Changes in assumptions are governed by a review and approval process to ensure an appropriate measurement of all\nimpacted financial statement balances. Changes in these assumptions can be offsetting and we are unable to predict their movement, sensitivities in reported\namounts, offsetting impacts, or future impacts to the Consolidated Financial Statements over time or in any given future period.\nFuture Policy Benefits and Claims\nWe establish reserves to cover the benefits associated with non-traditional and traditional long-duration products. Non-traditional long-duration products include\nvariable and structured variable annuity contracts, fixed annuity contracts and UL and VUL policies. Traditional long-duration products include term life insurance,\nwhole life insurance, disability income (\u201cDI\u201d) and LTC insurance and life contingent payout annuity products. UL and VUL policies with product features that result\nin profits followed by losses are accounted for as insurance liabilities.", "bb2f7b29-8f61-4241-803b-5dd47002d17b": "Changes in assumptions are governed by a review and approval process to ensure an appropriate measurement of all\nimpacted financial statement balances. Changes in these assumptions can be offsetting and we are unable to predict their movement, sensitivities in reported\namounts, offsetting impacts, or future impacts to the Consolidated Financial Statements over time or in any given future period.\nFuture Policy Benefits and Claims\nWe establish reserves to cover the benefits associated with non-traditional and traditional long-duration products. Non-traditional long-duration products include\nvariable and structured variable annuity contracts, fixed annuity contracts and UL and VUL policies. Traditional long-duration products include term life insurance,\nwhole life insurance, disability income (\u201cDI\u201d) and LTC insurance and life contingent payout annuity products. UL and VUL policies with product features that result\nin profits followed by losses are accounted for as insurance liabilities. The portion of structured variable annuities, indexed annuities and indexed universal life\n(\u201cIUL\u201d) policies allocated to the indexed account is accounted for as an embedded derivative.\nThe establishment of reserves is an estimation process using a variety of methods, assumptions and data elements. If actual experience is better than or equal to the\nresults of the estimation process, then reserves should be adequate to provide for future benefits and expenses. If actual experience is worse than the results of the\nestimation process, additional reserves may be required.\nNon-Traditional Long-Duration Products, including Embedded Derivatives\nUL and VUL\nA portion of our UL and VUL policies have product features that result in profits followed by losses from the insurance component of the contract. These profits\nfollowed by losses can be generated by the cost structure of the product or secondary guarantees in the contract. The secondary guarantee ensures that, subject to\nspecified conditions, the policy will not terminate and will continue to\n\u00ae\n35", "5b5ad278-fea3-4851-b3cc-68b37a338adc": "Index\nAmeriprise Financial, Inc.\nprovide a death benefit even if there is insufficient policy value to cover the monthly deductions and charges. The liability for these future losses is determined at the\nreporting date using actuarial models to estimate the death benefits in excess of account value and recognizing the excess over the estimated life based on expected\nassessments (e.g. cost of insurance charges, contractual administrative charges, similar fees and investment margin). Significant assumptions made in projecting\nfuture benefits and assessments relate to client asset value growth rates, mortality, persistency and investment margins. Changes in these assumptions can be\noffsetting and we are unable to predict their movement, sensitivities in reported amounts, offsetting impacts, or future impacts to the Consolidated Financial\nStatements over time or in any given future period. See Note 11 to our Consolidated Financial Statements for information regarding the liability for contracts with\nsecondary guarantees.\nEmbedded Derivatives\nThe fair value of embedded derivatives related to structured variable annuities, indexed annuities and IUL fluctuates based on equity markets and interest rates and is\nreported within our total liabilities. In addition, the valuation of embedded derivatives is impacted by an estimate of our nonperformance risk adjustment. This\nestimate includes a spread over the U.S. Treasury curve as of the balance sheet date. As our estimate of this spread over the U.S. Treasury curve widens or tightens,\nthe liability will decrease or increase.\nSee Note 16 to our Consolidated Financial Statements for information regarding the fair value measurement of embedded derivatives.\nTraditional Long-Duration Products\nThe liabilities for traditional long-duration products include cash flows related to unpaid amounts on reported claims, estimates of benefits payable on claims incurred\nbut not yet reported and estimates of benefits that will become payable on term life, whole life, DI, LTC, and life contingent payout annuity policies as claims are\nincurred in the future. Accordingly, the claim liability (also referred to as disabled life reserves) is presented together as one liability for future policy benefits.\nA liability for future policy benefits, which is the present value of estimated future policy benefits to be paid to or on behalf of policyholders and certain related\nexpenses less the present value of estimated future net premiums to be collected from policyholders, is accrued as premium revenue is recognized. Expected insurance\nbenefits are accrued over the life of the contract in proportion to premium revenue recognized (referred to as the net premium approach). The net premium ratio\nreflects cash flows from contract inception to contract termination (i.e., through the claim paying period) and cannot exceed 100%.\nThe liability for future policy benefits is updated for actual experience at least on an annual basis and concurrent with changes to cash flow assumptions. When net\npremiums are updated for cash flow changes, the estimated cash flows over the entire life of a group of contracts are updated using historical experience and updated\nfuture cash flow assumptions. Changes in these assumptions can be offsetting and we are unable to predict their movement, sensitivities in reported amounts,\noffsetting impacts, or future impacts to the Consolidated Financial Statements over time or in any given future period.\nThe cash flows used in the calculation are discounted using the forward rate curve on the original contract issue date. The discount rate represents an upper-\nmedium-grade (i.e., low credit risk) fixed-income instrument yield (i.e., an A rating) that reflects the duration characteristics of the liability.\nDerivative Instruments and Hedging Activities\nWe use derivative instruments to manage our exposure to various market risks. All derivatives are recorded at fair value. The fair value of our derivative instruments\nis determined using either market quotes or valuation models that are based upon the net present value of estimated future cash flows and incorporate current market\nobservable inputs to the extent available. We are unable to predict impacts and determine sensitivities in reported amounts reflecting such market movements on our\naggregate derivative portfolio. Changes to assumptions do not occur in isolation and it is impracticable to predict such impacts at the individual security unit of\nmeasure which are predominately Level 2 fair value and based on observable inputs.\nFor further details on the types of derivatives we use and how we account for them, see Note 2, Note 16 and Note 18 to our Consolidated Financial Statements. For\ndiscussion of our market risk exposures and hedging program and related sensitivity testing, see Item 7A. \u201cQuantitative and Qualitative Disclosures About Market\nRisk.\u201d\nRecent Accounting Pronouncements\nFor information regarding recent accounting pronouncements and their expected impact on our future consolidated results of operations and financial condition, see\nNote 3 to our Consolidated Financial Statements.", "d11f07f6-ee2a-455c-bd53-972ebad1ee1c": "We are unable to predict impacts and determine sensitivities in reported amounts reflecting such market movements on our\naggregate derivative portfolio. Changes to assumptions do not occur in isolation and it is impracticable to predict such impacts at the individual security unit of\nmeasure which are predominately Level 2 fair value and based on observable inputs.\nFor further details on the types of derivatives we use and how we account for them, see Note 2, Note 16 and Note 18 to our Consolidated Financial Statements. For\ndiscussion of our market risk exposures and hedging program and related sensitivity testing, see Item 7A. \u201cQuantitative and Qualitative Disclosures About Market\nRisk.\u201d\nRecent Accounting Pronouncements\nFor information regarding recent accounting pronouncements and their expected impact on our future consolidated results of operations and financial condition, see\nNote 3 to our Consolidated Financial Statements.\nSources of Revenues and Expenses\nManagement and Financial Advice Fees\nManagement and financial advice fees relate primarily to fees earned from managing mutual funds, private funds, separate account and wrap account assets and\ninstitutional investments, as well as fees earned from providing financial advice, administrative services (including transfer agent and administration fees earned from\nproviding services to retail mutual funds) and other custodial services. Management and financial advice fees include performance-based incentive management fees,\nwhich we may receive on certain management contracts. Management and financial advice fees also include mortality and expense risk fees.\n36", "4829f4e8-03cc-42fd-8bbf-6215b8cf9831": "Index\nAmeriprise Financial, Inc.\nDistribution Fees\nDistribution fees primarily include point-of-sale fees (such as mutual fund front-end sales loads) and asset-based fees (such as 12b-1 distribution and shareholder\nservice fees). Distribution fees also include amounts received under marketing support arrangements for sales of mutual funds and other companies\u2019 products, such\nas through our wrap accounts, as well as surrender charges on annuities and UL and VUL insurance. Distribution fees also include revenue for placing clients\u2019\ndeposits in its brokerage sweep program with third-party banks as well as revenue from brokerage clients for the execution of requested trades.\nNet Investment Income\nNet investment income primarily includes interest income on fixed maturity securities classified as Available-for-Sale, mortgage loans, policy loans, margin loans,\npledged asset lines of credit, other investments, cash and cash equivalents and investments of CIEs; the changes in fair value of trading securities, certain\nderivatives and certain assets and liabilities of CIEs; the pro rata share of net income or loss on equity method investments; realized gains and losses on the sale of\ninvestments; and changes for the allowance for credit losses.\nPremiums, Policy and Contract Charges\nPremiums include premiums on traditional life, DI and LTC insurance and payout annuities with a life contingent feature and are net of reinsurance premiums. Policy\nand contract charges include variable annuity rider charges and UL and VUL insurance charges, which consist of cost of insurance charges (net of reinsurance\npremiums and cost of reinsurance for UL and VUL insurance products) and administrative charges.\nOther Revenues\nOther revenues primarily include the accretion on the fixed annuities reinsurance deposit receivables and other miscellaneous revenues.\nBanking and Deposit Interest Expense\nBanking and deposit interest expense primarily includes interest expense related to investment certificates and banking deposits.\nDistribution Expenses\nDistribution expenses primarily include compensation paid to our financial advisors, registered representatives, third-party distributors and wholesalers. The portion\nof these costs which are incremental and direct to the acquisition of a new or renewal insurance policy or annuity contract issued by the RiverSource Life companies\nare deferred. The amounts capitalized and amortized are based on actual distribution costs. The majority of these costs, such as advisor and wholesaler\ncompensation, vary directly with the level of sales. Distribution expenses also include marketing support and other distribution and administration related payments\nmade to affiliated and unaffiliated distributors of products provided by our affiliates. The majority of these expenses vary with the level of sales, or assets held, by\nthese distributors, and the remainder is fixed. Distribution expenses also include wholesaling costs.\nInterest Credited to Fixed Accounts\nInterest credited to fixed accounts represents amounts earned by contractholders and policyholders on fixed account values associated with UL and VUL insurance\nand annuity contracts. The changes in fair value of fixed deferred indexed annuity and IUL embedded derivatives and the derivatives hedging these products are also\nincluded within Interest credited to fixed accounts.\nBenefits, Claims, Losses and Settlement Expenses\nBenefits, claims, losses and settlement expenses consist of amounts paid and changes in liabilities held for anticipated future benefit payments under insurance\npolicies and annuity contracts, along with costs to process and pay such amounts. Amounts are net of benefit payments recovered or expected to be recovered\nunder reinsurance contracts. Benefits, claims, losses and settlement expenses exclude the impact of remeasurement of future policy benefit reserves, which is\nseparately presented. The changes in fair value of structured variable annuity embedded derivatives and the derivatives hedging this benefit, as well as the\namortization of DSIC are also included in Benefits, claims, losses and settlement expenses.\nRemeasurement (Gains) Losses of Future Policy Benefit Reserves\nRemeasurement (gains) losses of future policy benefit reserves represents changes to the net premium ratio for actual versus expected experience and updates to\ncash flow assumptions used to measure traditional long-duration and limited-payment insurance contracts.\nChange in Fair Value of Market Risk Benefits\nChange in fair value of market risk benefits includes the change in fair value of GMDB, GMIB, GMWB and GMAB as well as the changes in fair value of derivatives\nhedging these market risk benefits. Changes in fair value of market risk benefits are recognized in net income each period with the exception of the portion of the\nchange in fair value due to a change in the instrument-specific credit risk, which is recognized in other comprehensive income (\u201cOCI\u201d).\nAmortization of DAC\nDirect sales commissions and other costs capitalized as DAC are amortized over time. DAC are amortized on a constant-level basis for the grouped contracts over the\nexpected contract term to approximate straight-line amortization.\n37", "04654fff-d414-4942-b8b9-a0ad2bfb61d9": "Index\nAmeriprise Financial, Inc.\nInterest and Debt Expense\nInterest and debt expense primarily includes interest on corporate debt and CIE debt, the impact of interest rate hedging activities and amortization of debt issuance\ncosts.\nGeneral and Administrative Expense\nGeneral and administrative expense includes compensation, share-based awards and other benefits for employees (other than employees directly related to\ndistribution, such as financial advisors), professional and consultant fees, information technology, facilities and equipment, advertising and promotion, legal and\nregulatory and corporate related expenses.\nEconomic Environment\nGlobal equity market conditions and fluctuations affect our results of operations and financial condition. The following table presents relevant market indices:\nYears Ended December 31,\n2023\n2022\nChange\nS&P 500\nDaily average\n4,285\n4,100\n5%\nPeriod end\n4,770\n3,840\n24%\nWeighted Equity Index (\u201cWEI\u201d) \nDaily average\n2,808\n2,699\n4%\nPeriod end\n3,102\n2,549\n22%\n Weighted Equity Index is an Ameriprise calculated proxy for equity market movements calculated using a weighted average of the S&P 500, Russell 2000, Russell Midcap and\nMSCI EAFE indices based on North America distributed equity assets.\nSee our segment results of operations discussion below for additional information on how changes in the economic environment have and may continue to impact\nour results. For further information regarding the impact of the economic environment on our results of operations and financial condition, and potentially material\neffects, see Part 1 - Item 1A \u201cRisk Factors\u201d of this Annual Report on Form 10-K.\nAssets Under Management and Administration\nAssets under management (\u201cAUM\u201d) include external client assets for which we provide investment management services, such as the assets of the Columbia\nThreadneedle Investments\n \nfunds, institutional clients and clients in our advisor platform held in wrap accounts as well as assets managed by sub-advisors selected\nby us. AUM also include certain assets on our Consolidated Balance Sheets for which we provide investment management services and recognize management fees\nin our Asset Management segment, such as the assets of the general account and the variable product funds held in the separate accounts of our life insurance\nsubsidiaries and CIEs.\nAssets under administration (\u201cAUA\u201d) include assets for which we provide administrative services such as client assets invested in other companies\u2019 products that\nwe offer outside of our wrap accounts. These assets include those held in clients\u2019 brokerage accounts. We generally record revenues received from administered\nassets as distribution fees. We do not exercise management discretion over these assets and do not earn a management fee. These assets are not reported on our\nConsolidated Balance Sheets. AUA also include certain assets on our Consolidated Balance Sheets for which we do not provide investment management services\nand do not recognize management fees, such as investments in non-affiliated funds held in the separate accounts of our life insurance subsidiaries.\nAUM and AUA do not include assets under advisement, for which we provide advisory services such as model portfolios but do not have full discretionary\ninvestment authority.\nThe following table presents detail regarding our AUM and AUA:\n \nDecember 31,\nChange\n2023\n2022\n(in billions)\nAssets Under Management and Administration\nAdvice & Wealth Management AUM\n$\n484.8 \n$\n409.0 \n$\n75.8 \n19 \n%\nAsset Management AUM\n636.9 \n584.0 \n52.9 \n9 \nCorporate AUM\n0.4 \n0.2 \n0.2 \nNM\nEliminations\n(41.0)\n(36.9)\n(4.1)\n(11)\nTotal Assets Under Management\n1,081.1 \n956.3 \n124.8 \n13 \nTotal Assets Under Administration\n279.5 \n222.0 \n57.5 \n26 \nTotal AUM and AUA\n$\n1,360.6 \n$\n1,178.3 \n$\n182.3 \n15 \n%\nNM Not Meaningful - variance equal to or greater than 100%.\nTotal AUM increased $124.8 billion, or 13%, to $1.1 trillion as of December 31, 2023 compared to $956.3 billion as of December 31,\n(1)\n(1)\n38", "0c0048ee-6981-443c-8297-eba91d2f7b62": "Index\nAmeriprise Financial, Inc.\n2022 due to a $75.8 billion increase in Advice & Wealth Management AUM driven by market appreciation and wrap account net inflows and a $52.9 billion increase in\nAsset Management AUM primarily driven by market appreciation. Total AUA increased $57.5 billion, or 26%, to $279.5 billion as of December 31, 2023 compared to\nthe prior year primarily driven by equity market appreciation, and an increase in third-party money market funds and brokered CDs. See our segment results of\noperations discussion for additional information on changes in our AUM.\nConsolidated Results of Operations\nYear Ended December 31, 2023 Compared to Year Ended December 31, 2022\nThe following table presents our consolidated results of operations:\n \nYears Ended December 31,\nChange\n2023\n2022\n(in millions)\nRevenues\nManagement and financial advice fees\n$\n8,907 \n$\n9,033 \n$\n(126)\n(1)\n%\nDistribution fees\n1,931 \n1,939 \n(8)\n\u2014 \nNet investment income\n3,206 \n1,474 \n1,732 \nNM\nPremiums, policy and contract charges\n1,539 \n1,397 \n142 \n10 \nOther revenues\n513 \n491 \n22 \n4 \nTotal revenues\n16,096 \n14,334 \n1,762 \n12 \nBanking and deposit interest expense\n561 \n76 \n485 \nNM\nTotal net revenues\n15,535 \n14,258 \n1,277 \n9 \nExpenses\n \n \n \n \nDistribution expenses\n5,078 \n4,935 \n143 \n3 \nInterest credited to fixed accounts\n654 \n665 \n(11)\n(2)\nBenefits, claims, losses and settlement expenses\n1,350 \n242 \n1,108 \nNM\nRemeasurement (gains) losses of future policy benefit reserves\n(20)\n1 \n(21)\nNM\nChange in fair value of market risk benefits\n798 \n311 \n487 \nNM\nAmortization of deferred acquisition costs\n246 \n252 \n(6)\n(2)\nInterest and debt expense\n324 \n198 \n126 \n64 \nGeneral and administrative expense\n3,871 \n3,723 \n148 \n4 \nTotal benefits and expenses\n12,301 \n10,327 \n1,974 \n19 \nPretax income\n3,234 \n3,931 \n(697)\n(18)\nIncome tax provision\n678 \n782 \n(104)\n(13)\nNet income\n$\n2,556 \n$\n3,149 \n$\n(593)\n(19)\n%\nNM Not Meaningful - variance equal to or greater than 100%.\nOverall\nPretax income decreased $697 million, or 18%, for 2023 compared to the prior year. The following impacts were significant drivers of the year-over-year change in\npretax income:\n\u2022\nThe market impact on non-traditional long-duration products, net of hedges was an expense of $608 million for 2023 compared to a benefit of $483 million for the\nprior year.\n\u2022\nThe unfavorable impact of unlocking was $99 million for 2023 compared to a favorable impact of unlocking of $133 million for the prior year.\n\u2022\nA favorable impact from the trend in rising interest rates on the investment portfolio yield, including from investment portfolio repositioning in our insurance\nbusiness in the fourth quarter of 2022, along with higher balances in bank and certificate products.\n39", "cc01d628-8bcb-412d-8c69-3e54ce23ac54": "Index\nAmeriprise Financial, Inc.\nThe following table presents the total pretax impacts on our revenues and expenses attributable to our annual assumption updates, referred to as unlocking, for the\nyears ended December 31:\nPretax Increase (Decrease)\n2023\n2022\n(in millions)\nPremiums, policy and contract charges\n$\n1 \n$\n(1)\nTotal revenues\n1 \n(1)\nBenefits, claims, losses and settlement expenses\n(17)\n7 \nRemeasurement (gains) losses of future policy benefit reserves:\nLTC unlocking\n(5)\n(6)\nUnlocking impact, excluding LTC\n(6)\n6 \nTotal remeasurement (gains) losses of future policy benefit reserves\n(11)\n\u2014 \nChange in fair value of market risk benefits\n128 \n(139)\nAmortization of DAC\n\u2014 \n(2)\nTotal benefits and expenses\n100 \n(134)\nPretax income (loss) \n$\n(99)\n$\n133 \n Includes a $2 million net expense related to the market impact on IUL benefits for 2022, which is excluded from adjusted operating earnings. Refer to Results of Operations by\nSegment for the impact to pretax adjusted operating earnings attributable to unlocking.\nThe primary drivers of the year-over-year unlocking impact include the following items:\n\u2022\nWe lowered our surrender assumptions on variable annuities with living benefits resulting in an expense in 2023.\n\u2022\nInterest rate assumptions resulted in a benefit in 2022, partially offset by lower surrender assumptions and updated mortality assumptions for variable annuities\nwith living benefits.\nNet Revenues\nManagement and financial advice fees decreased $126 million, or 1%, for 2023 compared to the prior year primarily reflecting the cumulative impact of Asset\nManagement and variable annuity net outflows, partially offset by continued wrap account net inflows.\nNet investment income increased $1.7 billion for 2023 compared to the prior year primarily due to the following impacts:\n\u2022\nThe favorable impact of growth in Ameriprise Bank customer deposits and certificate business as a result of the market environment and our strategic decision to\ncontinue to invest in these businesses.\n\u2022\nThe favorable impact of the trend in rising interest rates on the investment portfolio yield, including from investment portfolio repositioning in our insurance\nbusiness in the fourth quarter of 2022.\n\u2022\nThe favorable impact of higher net investment income of CIEs.\n\u2022\nNet realized investment losses of $27 million for 2023 compared to net realized investment losses of $87 million for the prior year. Net realized investment losses\nfor 2023 and 2022 were primarily driven by the fixed maturity investment portfolio repositioning in response to market conditions.\nPremiums, policy and contract charges increased $142 million, or 10%, for 2023 compared to the prior year primarily due to higher sales of life contingent payout\nannuities.\nBanking and deposit interest expense increased $485 million for 2023 compared to the prior year primarily reflecting higher average crediting rates and higher average\nvolumes on certificates and Ameriprise Bank cash deposits.\nExpenses\nDistribution expenses increased $143 million, or 3%, for 2023 compared to the prior year primarily reflecting higher advisor compensation from higher average wrap\naccount assets and increased transactional activity, as well as investments in recruiting experienced advisors, partially offset by the cumulative impact of Asset\nManagement net outflows.\nInterest credited to fixed accounts decreased $11 million, or 2%, for 2023 compared to the prior year primarily reflecting the following items:\n\u2022\nA $28 million increase in expense from the unhedged nonperformance credit spread risk adjustment on IUL benefits. The unfavorable impact of the\nnonperformance credit spread was $15 million for 2023 compared to a favorable impact of $13 million for the prior year.\n\u2022\nA $17 million decrease in expense from other market impacts on IUL benefits, net of hedges, which was an expense of $34 million for 2023 compared to an expense\nof $51 million for the prior year. The decrease in expense was primarily due to an increase in the IUL embedded derivative in the prior year, which reflected higher\noption costs due to a higher new money rate, offset by more discounting due to higher Treasury rates.\n\u2022\nA decrease in expense driven by variable annuity net outflows.\n(1)\n(1)\n40", "470443a7-cd05-4cde-9007-71a0aeb6bba9": "Index\nAmeriprise Financial, Inc.\nBenefits, claims, losses and settlement expenses increased $1.1 billion for 2023 compared to the prior year primarily reflecting the following items:\n\u2022\nAn $824 million increase in expense from market impacts on structured variable annuities (\u201cSVA\u201d) embedded derivative, net of hedging activity. This increase\nwas the result of a favorable $955 million change in the market impact on derivatives hedging the SVA embedded derivative and an unfavorable $1.8 billion\nchange in the market impact on the SVA embedded derivative. The main market driver contributing to these changes was the equity market impact on the SVA\nembedded derivative net of the impact on the corresponding hedge assets resulted in an expense for the 2023 compared to a benefit in the prior year.\n\u2022\nThe impact of higher sales of life contingent payout annuities and increased volume in SVAs.\nChange in fair value of market risk benefits increased $487 million for 2023 compared to the prior year primarily reflecting the following items:\n\u2022\nThe impact of unlocking was an expense of $128 million for 2023 primarily reflecting the impact of lower surrender assumptions on variable annuities with living\nbenefits compared to a benefit of $139 million for the prior year primarily reflecting the impact of interest rate assumptions, partially offset by continued lower\nsurrender assumptions and updated mortality assumptions for variable annuities with living benefits.\n\u2022\nA $191 million increase in expense from market impacts on variable annuity guaranteed benefits, net of hedges in place to offset those risks. This increase was\nthe result of an unfavorable $132 million change in the market impact on variable annuity guaranteed benefits reserves and an unfavorable $59 million change in\nthe market impact on derivatives hedging the variable annuity guaranteed benefits. The main market drivers contributing to these changes are summarized below:\n\u2022\nEquity market impact on the variable annuity guaranteed benefits liability net of the impact on the corresponding hedge assets resulted in a benefit for 2023\ncompared to an expense in the prior year.\n\u2022\nInterest rate and bond impact on the variable annuity guaranteed benefits liability net of the impact on the corresponding hedge assets resulted in a lower\nbenefit for 2023 compared to the prior year.\n\u2022\nVolatility impact on the variable annuity guaranteed benefits liability net of the impact on the corresponding hedge assets resulted in a lower expense for\n2023 compared to the prior year.\n\u2022\nOther unhedged items, including the difference between the assumed and actual underlying separate account investment performance, transaction costs\nand various behavioral items, were a lower net expense for 2023 compared to the prior year.\nInterest and debt expense increased $126 million, or 64%, for 2023 compared to the prior year primarily reflecting higher interest expense of CIEs and the issuance of\n$750 million of unsecured senior notes in March 2023 and $600 million of unsecured senior notes in November 2023, partially offset by the maturity of $750 million of\nunsecured senior notes in October 2023.\nGeneral and administrative expense increased $148 million, or 4%, for 2023 compared to the prior year primarily reflecting a $50 million accrual for a regulatory matter\nrelating to electronic communication recordkeeping requirements, increased severance expense related to our expense management initiatives, $12 million of higher\nintegration related expenses, higher volume related expenses and investments for business growth and a larger unfavorable change in the mark-to-market impact on\nshare-based compensation due to share price appreciation. A portion of the higher integration related expenses was driven by the consolidation of the majority of our\nLondon-based teams into a single location following the acquisition of the BMO Global Asset Management (EMEA) business.\nIncome Taxes\nOur effective tax rate was 21.0% for 2023 compared to 19.9% for the prior year. See Note 24 to our Consolidated Financial Statements for additional discussion on\nincome taxes.\nResults of Operations by Segment\nYear Ended December 31, 2023 Compared to Year Ended December 31, 2022\nAdjusted operating earnings is the measure of segment profit or loss management uses to evaluate segment performance. Adjusted operating earnings should not be\nviewed as a substitute for GAAP pretax income. We believe the presentation of segment adjusted operating earnings as we measure it for management purposes\nenhances the understanding of our business by reflecting the underlying performance of our core operations and facilitating a more meaningful trend analysis.\nSee Note 28 to the Consolidated Financial Statements for further information on the presentation of segment results and our definition of adjusted operating earnings.\n41", "f4755aa2-6ca6-44bc-aeb0-b5115221ba58": "Index\nAmeriprise Financial, Inc.\nThe following table presents summary financial information by segment:\n \nYears Ended December 31,\n2023\n2022\n(in millions)\nAdvice & Wealth Management\n \n \nNet revenues\n$\n9,418 \n$\n8,461 \nExpenses\n6,567 \n6,269 \nAdjusted operating earnings\n$\n2,851 \n$\n2,192 \nAsset Management\nNet revenues\n$\n3,278 \n$\n3,506 \nExpenses\n2,558 \n2,662 \nAdjusted operating earnings\n$\n720 \n$\n844 \nRetirement & Protection Solutions\nNet revenues\n$\n3,476 \n$\n3,124 \nExpenses\n2,791 \n2,257 \nAdjusted operating earnings\n$\n685 \n$\n867 \nCorporate & Other\nNet revenues\n$\n533 \n$\n479 \nExpenses\n853 \n785 \nAdjusted operating loss\n$\n(320)\n$\n(306)\nThe following table presents the segment pretax adjusted operating impacts on our revenues and expenses attributable to our annual assumption updates, referred to\nas unlocking, for the years ended December 31:\nSegment Pretax Adjusted Operating Increase (Decrease)\n2023\n2022\nRetirement &\nProtection\nSolutions\nCorporate\nRetirement &\nProtection\nSolutions\nCorporate\n(in millions)\nPremiums, policy and contract charges\n$\n1 \n$\n\u2014 \n$\n1 \n$\n(2)\nTotal revenues\n1 \n\u2014 \n1 \n(2)\nBenefits, claims, losses and settlement expenses\n(17)\n\u2014 \n6 \n(1)\nRemeasurement (gains) losses of future policy benefit reserves:\nLTC unlocking\n\u2014 \n(5)\n\u2014 \n(6)\nUnlocking, excluding LTC\n(6)\n\u2014 \n6 \n\u2014 \nTotal remeasurement (gains) losses of future policy benefit reserves\n(6)\n(5)\n6 \n(6)\nChange in fair value of market risk benefits\n128 \n\u2014 \n(139)\n\u2014 \nAmortization of DAC\n\u2014 \n\u2014 \n\u2014 \n(2)\nTotal benefits and expenses\n105 \n(5)\n(127)\n(9)\nPretax income (loss)\n$\n(104)\n$\n5 \n$\n128 \n$\n7 \n42", "92e8172a-59b6-4622-84fe-9df1cffc12c9": "Index\nAmeriprise Financial, Inc.\nAdvice & Wealth Management\nThe following table presents the changes in wrap account assets and average balances for the years ended December 31:\n2023\n2022\n(in billions)\nBeginning balance\n$\n412.1 \n$\n464.7 \nNet flows\n24.2 \n27.5 \nMarket appreciation (depreciation) and other\n51.9 \n(80.1)\nEnding balance\n$\n488.2 \n$\n412.1 \nAdvisory wrap account assets ending balance \n$\n483.3 \n$\n407.8 \nAverage advisory wrap account assets \n$\n437.8 \n$\n419.9 \n Advisory wrap account assets represent those assets for which clients receive advisory services and are the primary driver of revenue earned on wrap accounts. Clients may hold\nnon-advisory investments in their wrap accounts that do not incur an advisory fee.\nAverage ending balances are calculated using an average of the prior period\u2019s ending balance and all months in the current period excluding the most recent month for the twelve\nmonths ended December 31, 2023 and 2022, which is reflective of our billing cycle.\nWrap account assets increased $76.1 billion, or 18%, during 2023 primarily due to market appreciation of $51.9 billion and net inflows of $24.2 billion. Average\nadvisory wrap account assets increased $17.9 billion, or 4%, compared to the prior year primarily reflecting continued net inflows and market appreciation.\nThe following table presents the results of operations of our Advice & Wealth Management segment on an adjusted operating basis:\nYears Ended December 31,\nChange\n2023\n2022\n(in millions)\nRevenues\nManagement and financial advice fees\n$\n5,485 \n$\n5,308 \n$\n177 \n3 \n%\nDistribution fees\n2,273 \n2,249 \n24 \n1 \nNet investment income\n1,956 \n748 \n1,208 \nNM\nOther revenues\n265 \n232 \n33 \n14 \nTotal revenues\n9,979 \n8,537 \n1,442 \n17 \nBanking and deposit interest expense\n561 \n76 \n485 \nNM\nTotal net revenues\n9,418 \n8,461 \n957 \n11 \nExpenses\n \n \n \nDistribution expenses\n4,888 \n4,719 \n169 \n4 \nInterest and debt expense\n27 \n10 \n17 \nNM\nGeneral and administrative expense\n1,652 \n1,540 \n112 \n7 \nTotal expenses\n6,567 \n6,269 \n298 \n5 \nAdjusted operating earnings\n$\n2,851 \n$\n2,192 \n$\n659 \n30 \n%\nNM Not Meaningful - variance equal to or greater than 100%.\nOur Advice & Wealth Management segment pretax adjusted operating earnings, which exclude net realized investment gains or losses, increased $659 million, or\n30%, for 2023 compared to the prior year primarily reflecting the benefit from higher interest rates and client net inflows. Pretax adjusted operating margin was 30.3%\nfor 2023 compared to 25.9% for the prior year. Adjusted operating net revenue per advisor increased to $916,000 for 2023, up 11%, from $827,000 for the prior year.\nAmeriprise Bank is continuing its deposit growth trend, with bank deposit balances increasing $3.2 billion from the prior year to $21.5 billion as of December 31, 2023.\nThe daily average interest-bearing deposit balance increased to $20.4 billion for 2023 compared to $15.3 billion for the prior year with the average interest rate paid on\ndeposits increasing to 0.41% for 2023 from 0.12% for 2022. Profitability at the bank increased compared to the prior year primarily reflecting increased interest rates\nalong with the trend in deposit growth. The Ameriprise Certificate Company experienced strong growth given the current market environment with client deposits\nincreasing $4.2 billion from the prior year to $13.5 billion as of December 31, 2023.\nIn November 2023, we successfully closed on our partnership with Comerica Bank to become Comerica\u2019s new investment program provider, adding $14.7 billion of\nclient flows, including $2.0 billion of wrap net flows.\n(1)\n(2)\n(1)\n(2) \n43", "0ee5ea42-8735-42a5-95b2-7d637df2bfb7": "Index\nAmeriprise Financial, Inc.\nNet Revenues\nManagement and financial advice fees increased $177 million, or 3%, for 2023 compared to the prior year primarily due to growth in average wrap account assets.\nAverage advisory wrap account assets increased $17.9 billion, or 4%, compared to the prior year reflecting net inflows and market appreciation.\nNet investment income increased $1.2 billion for 2023 compared to the prior year primarily due to higher average invested assets due to increased bank and certificate\ndeposits and the favorable impact of increased short-term rates, including higher investment yields on the investment portfolio supporting the bank and certificate\nproducts.\nBanking and deposit interest expense increased $485 million for 2023 compared to the prior year primarily reflecting higher average crediting rates and higher average\nbalances on certificates and bank cash deposits.\nExpenses\nDistribution expenses increased $169 million, or 4%, for 2023 compared to the prior year primarily reflecting higher advisor compensation from higher average wrap\naccount assets and increased transactional activity, as well as investments in recruiting experienced advisors.\nInterest and debt expense increased $17 million for 2023 compared to the prior year due to the increase in capital supporting the growth in the bank and certificate\nproducts.\nGeneral and administrative expense increased $112 million, or 7%, for 2023 compared to the prior year primarily reflecting a $50 million accrual for a regulatory matter\nrelating to electronic communication recordkeeping requirements, higher volume related expenses and investments for business growth.\nAsset Management\nThe following tables present the mutual fund performance of our retail Columbia Threadneedle Investments funds as of December 31, 2023:\nRetail Fund Rankings in Top 2 Quartiles or Above Index Benchmark - Asset Weighted \n1 year\n3 year\n5 year\n10 year\nEquity\n43%\n69%\n79%\n89%\nFixed Income\n84%\n68%\n77%\n90%\nAsset Allocation\n90%\n54%\n83%\n90%\n4- or 5-star Morningstar Rated Funds \nOverall\n3 year\n5 year\n10 year\nNumber of rated funds\n113\n73\n95\n102\nRetail Fund performance rankings for each fund are measured on a consistent basis against the most appropriate peer group or index. Peer groupings of Columbia funds are defined\nby Lipper category and are based on the Primary Share Class (i.e., Institutional if available, otherwise Advisor or Instl3 share class), net of fees. Peer groupings of Threadneedle\nfunds are defined by either IA or Morningstar index and are based on the Primary Share Class. Comparisons to Index are measured gross of fees.\nTo calculate asset weighted performance, the sum of the total assets of the funds with above median ranking are divided by total assets of all funds. Funds with more assets will\nreceive a greater share of the total percentage above or below median.\nAggregated Asset Allocation Funds may include funds that invest in other Columbia or Threadneedle branded mutual funds included in both equity and fixed income.\n Columbia funds are available for purchase by U.S. customers. Out of 89 Columbia funds rated (based on primary share class), 5 received a 5-star Overall Rating and 35 received a 4-\nstar Overall Rating. Out of 149 Threadneedle funds rated (based on highest-rated share class), 21 received a 5-star Overall Rating and 52 received a 4-star Overall Rating. The Overall\nMorningstar Rating is derived from a weighted average of the performance figures associated with its 3-, 5- and 10-year (if applicable) Morningstar Rating metrics.", "3163e1ca-5032-4dbd-abe7-53f78efa7f86": "Funds with more assets will\nreceive a greater share of the total percentage above or below median.\nAggregated Asset Allocation Funds may include funds that invest in other Columbia or Threadneedle branded mutual funds included in both equity and fixed income.\n Columbia funds are available for purchase by U.S. customers. Out of 89 Columbia funds rated (based on primary share class), 5 received a 5-star Overall Rating and 35 received a 4-\nstar Overall Rating. Out of 149 Threadneedle funds rated (based on highest-rated share class), 21 received a 5-star Overall Rating and 52 received a 4-star Overall Rating. The Overall\nMorningstar Rating is derived from a weighted average of the performance figures associated with its 3-, 5- and 10-year (if applicable) Morningstar Rating metrics. \nThe following table presents managed assets by type:\nDecember 31,\nChange\nAverage \nChange\nDecember 31,\n2023\n2022\n2023\n2022\n(in billions)\n(in billions)\nEquity\n$\n323.0 \n$\n301.2 \n$\n21.8 \n7 \n%\n$\n309.2 \n$\n333.1 \n$\n(23.9)\n(7)\n%\nFixed income\n238.4 \n210.0 \n28.4 \n14 \n221.7 \n232.0 \n(10.3)\n(4)\nMoney market\n23.8 \n21.9 \n1.9 \n9 \n22.6 \n17.1 \n5.5 \n32 \nAlternative\n33.5 \n33.7 \n(0.2)\n(1)\n34.5 \n37.3 \n(2.8)\n(8)\nHybrid and other\n18.2 \n17.2 \n1.0 \n6 \n17.3 \n19.8 \n(2.5)\n(13)\nTotal managed assets\n$\n636.9 \n$\n584.0 \n$\n52.9 \n9 \n%\n$\n605.3 \n$\n639.3 \n$\n(34.0)\n(5)\n%\n Average ending balances are calculated using an average of the prior period\u2019s ending balance and all months in the current period.\n(1)\n(2)\n(1) \n(2)\n(1)\n(1)\n44", "1c783cac-9301-4b8f-a264-3281caf0aa16": "Index\nAmeriprise Financial, Inc.\nThe following table presents the changes in global managed assets:\nYears Ended December 31,\n2023\n2022\n(in billions)\nGlobal Retail Funds\n \n \nBeginning assets\n$\n309.3 \n$\n409.4 \nInflows\n47.9 \n60.9 \nOutflows\n(65.2)\n(84.7)\nNet VP/VIT fund flows\n(5.0)\n(4.3)\nNet new flows\n(22.3)\n(28.1)\nReinvested dividends\n8.1 \n11.4 \nNet flows\n(14.2)\n(16.7)\nDistributions\n(9.4)\n(12.9)\nMarket appreciation (depreciation) and other\n45.1 \n(65.6)\nForeign currency translation \n4.1 \n(4.9)\nTotal ending assets\n334.9 \n309.3 \nGlobal Institutional\n \nBeginning assets\n274.7 \n344.7 \nInflows \n42.7 \n59.1 \nOutflows \n(45.7)\n(49.0)\nNet flows\n(3.0)\n10.1 \nMarket appreciation (depreciation) and other \n21.9 \n(65.0)\nForeign currency translation \n8.4 \n(15.1)\nTotal ending assets\n302.0 \n274.7 \nTotal managed assets\n$\n636.9 \n$\n584.0 \nTotal net flows\n$\n(17.2)\n$\n(6.6)\nLegacy insurance partners net flows \n$\n(4.3)\n$\n(4.6)\n Amounts represent local currency to U.S. dollar translation for reporting purposes.\n Global Institutional inflows and outflows include net flows from our structured variable annuity product and Ameriprise Bank.\n Included in Market appreciation (depreciation) and other for Global Institutional is the change in affiliated general account balance, excluding net flows related to our structured\nvariable annuity product and Ameriprise Bank.\n Legacy insurance partners assets and net flows are included in the rollforwards above.\nTotal segment AUM increased $52.9 billion, or 9%, during 2023 primarily driven by equity and fixed income market appreciation, partially offset by net outflows.\n(1)\n(2)\n(2)\n(3)\n(1)\n(4)\n(1)\n(2)\n(3)\n(4)\n45", "6e5db50c-f886-44df-9f79-d331f7464ea6": "Index\nAmeriprise Financial, Inc.\nThe following table presents the results of operations of our Asset Management segment on an adjusted operating basis:\nYears Ended December 31,\nChange\n2023\n2022\n(in millions)\nRevenues\n \n \n \n \nManagement and financial advice fees\n$\n2,844 \n$\n3,086 \n$\n(242)\n(8)\n%\nDistribution fees\n363 \n397 \n(34)\n(9)\nNet investment income\n44 \n9 \n35 \nNM\nOther revenues\n27 \n14 \n13 \n93 \nTotal revenues\n3,278 \n3,506 \n(228)\n(7)\nBanking and deposit interest expense\n\u2014 \n\u2014 \n\u2014 \n\u2014 \nTotal net revenues\n3,278 \n3,506 \n(228)\n(7)\nExpenses\n \n \n \nDistribution expenses\n925 \n995 \n(70)\n(7)\nAmortization of deferred acquisition costs\n6 \n9 \n(3)\n(33)\nInterest and debt expense\n7 \n5 \n2 \n40 \nGeneral and administrative expense\n1,620 \n1,653 \n(33)\n(2)\nTotal expenses\n2,558 \n2,662 \n(104)\n(4)\nAdjusted operating earnings\n$\n720 \n$\n844 \n$\n(124)\n(15)\n%\nNM Not Meaningful - variance equal to or greater than 100%.\nOur Asset Management segment pretax adjusted operating earnings, which exclude net realized investment gains or losses, decreased $124 million, or 15%, for 2023\ncompared to the prior year primarily due to the cumulative impact of net outflows.\nNet Revenues\nManagement and financial advice fees decreased $242 million, or 8%, for 2023 compared to the prior year primarily driven by the cumulative impact of net outflows\nand a decrease in performance fees.\nDistribution fees decreased $34 million, or 9%, for 2023 compared to the prior year primarily due to the cumulative impact from net outflows.\nNet investment income increased $35 million for 2023 compared to the prior year primarily driven by higher interest rates.\nExpenses\nDistribution expenses decreased $70 million, or 7%, for 2023 compared to the prior year primarily due to the cumulative impact of net outflows.\nGeneral and administrative expense decreased $33 million, or 2%, for 2023 compared to the prior year primarily reflecting $11 million of lower performance fee related\ncompensation and disciplined expense management.\n46", "b601c6f0-96e4-4df4-84cb-1e39a7ffd63b": "Index\nAmeriprise Financial, Inc.\nRetirement & Protection Solutions\nThe following table presents the results of operations of our Retirement & Protection Solutions segment on an adjusted operating basis:\nYears Ended December 31,\nChange\n2023\n2022\n(in millions)\nRevenues\n \n \n \n \nManagement and financial advice fees\n$\n735 \n$\n788 \n$\n(53)\n(7)\n%\nDistribution fees\n398 \n418 \n(20)\n(5)\nNet investment income\n858 \n569 \n289 \n51 \nPremiums, policy and contract charges\n1,475 \n1,337 \n138 \n10 \nOther revenues\n10 \n12 \n(2)\n(17)\nTotal revenues\n3,476 \n3,124 \n352 \n11 \nBanking and deposit interest expense\n\u2014 \n\u2014 \n\u2014 \n\u2014 \nTotal net revenues\n3,476 \n3,124 \n352 \n11 \nExpenses\n \n \n \nDistribution expenses\n464 \n448 \n16 \n4 \nInterest credited to fixed accounts\n369 \n386 \n(17)\n(4)\nBenefits, claims, losses and settlement expenses\n744 \n469 \n275 \n59 \nRemeasurement (gains) losses of future policy benefit reserves\n(19)\n1 \n(20)\nNM\nChange in fair value of market risk benefits\n628 \n372 \n256 \n69 \nAmortization of deferred acquisition costs\n229 \n233 \n(4)\n(2)\nInterest and debt expense\n51 \n39 \n12 \n31 \nGeneral and administrative expense\n325 \n309 \n16 \n5 \nTotal expenses\n2,791 \n2,257 \n534 \n24 \nAdjusted operating earnings\n$\n685 \n$\n867 \n$\n(182)\n(21)\n%\nNM Not Meaningful - variance equal to or greater than 100%.\nOur Retirement & Protection Solutions segment pretax adjusted operating earnings, which excludes net realized investment gains or losses (net of the reinsurance\naccrual), the market impact on variable annuity guaranteed benefits (net of hedges), the market impact on IUL benefits (net of hedges and the reinsurance accrual),\nmean reversion related impacts, and block transfer reinsurance transaction impacts decreased $182 million, or 21%, for 2023 compared to the prior year.\nVariable annuity account balances increased 9% to $80.8 billion as of December 31, 2023 compared to the prior year due to market appreciation, partially offset by net\noutflows of $3.0 billion. Variable annuity sales decreased 1% to $4.0 billion for 2023 compared to the prior year reflecting a decrease in sales of variable annuities with\nliving benefit guarantees, mostly offset by an increase in sales of SVAs. Account values with living benefit riders declined to 54% as of December 31, 2023 compared\nto 57% a year ago reflecting our actions to optimize our business mix. This trend is expected to continue and meaningfully shift the mix of business away from\nproducts with living benefit guarantees over time.\nNet Revenues\nManagement and financial advice fees decreased $53 million, or 7%, for 2023 compared to the prior year primarily reflecting variable annuity net outflows.\nDistribution fees decreased $20 million, or 5%, for 2023 compared to the prior year primarily reflecting lower sales.\nNet investment income, which excludes net realized investment gains or losses, increased $289 million, or 51%, for 2023 compared to the prior year reflecting higher\ninterest rates, investment portfolio repositioning resulting in higher yields and increased SVA balances.\nPremiums, policy and contract charges increased $138 million, or 10%, for 2023 compared to the prior year due to higher sales of life contingent payout annuities.\nExpenses\nBenefits, claims, losses and settlement expenses, which exclude the market impact on SVA indexed account embedded derivative (net of hedges) and mean reversion\nrelated impacts, increased $275 million, or 59%, for 2023 compared to the prior year primarily reflecting the impact of higher sales of life contingent payout annuities\nand increased volume in SVAs.\n47", "ccca0e63-9de6-4a4b-9ef2-4dc9f8a49b44": "Index\nAmeriprise Financial, Inc.\nChange in fair value of market risk benefits, which exclude the market impact on variable annuity guaranteed benefits (net of hedges), increased $256 million, or 69%,\nfor 2023 compared to the prior year primarily reflecting the impact of unlocking. The unlocking impact for 2023 was an expense of $128 million primarily reflecting\ncontinued lower surrender assumptions on variable annuities with living benefits compared to a benefit of $139 million for the prior year period primarily reflecting\ncontinued lower surrender assumptions and updated mortality assumptions for variable annuities with living benefits.\nCorporate & Other\nThe following table presents the results of operations of our Corporate & Other segment on an adjusted operating basis:\nYears Ended December 31,\nChange\n2023\n2022\n(in millions)\nRevenues\n \n \n \n \nDistribution fees\n$\n1 \n$\n\u2014 \n$\n1 \n\u2014 \n%\nNet investment income\n247 \n155 \n92 \n59 \n%\nPremiums, policy and contract charges\n96 \n99 \n(3)\n(3)\nOther revenues\n209 \n230 \n(21)\n(9)\nTotal revenues\n553 \n484 \n69 \n14 \nBanking and deposit interest expense\n20 \n5 \n15 \nNM\nTotal net revenues\n533 \n479 \n54 \n11 \nExpenses\n \n \nDistribution expenses\n(10)\n(10)\n\u2014 \n\u2014 \nInterest credited to fixed accounts\n234 \n242 \n(8)\n(3)\nBenefits, claims, losses and settlement expenses\n236 \n247 \n(11)\n(4)\nRemeasurement (gains) losses of future policy benefit reserves\n(1)\n\u2014 \n(1)\n\u2014 \nAmortization of deferred acquisition costs\n11 \n10 \n1 \n10 \nInterest and debt expense\n97 \n70 \n27 \n39 \nGeneral and administrative expense\n286 \n226 \n60 \n27 \nTotal expenses\n853 \n785 \n68 \n9 \nAdjusted operating loss\n$\n(320)\n$\n(306)\n$\n(14)\n(5)\n%\nNM Not Meaningful - variance equal to or greater than 100%.\nOur Corporate & Other segment includes our closed blocks of LTC insurance and fixed annuity and fixed indexed annuity (\u201cFA\u201d) business.\nOur Corporate & Other segment pretax adjusted operating loss excludes net realized investment gains or losses, the market impact on fixed annuity benefits (net of\nhedges), the market impact of hedges to offset interest rate and currency changes on unrealized gains or losses for certain investments, block transfer reinsurance\ntransaction impacts, gain or loss on disposal of a business that is not considered discontinued operations, integration and restructuring charges, and the impact of\nconsolidating CIEs.\nOur Corporate & Other segment pretax adjusted operating loss increased $14 million, or 5%, for 2023 compared to the prior year, reflecting higher severance expense.\nLTC insurance had pretax adjusted operating earnings of $29 million for 2023 compared to pretax adjusted operating loss of $10 million for the prior year primarily\nreflecting the benefit of investment portfolio repositioning and higher interest rates on cash positions compared to the prior year.\nFA business had a pretax adjusted operating loss of $29 million for 2023 compared to a pretax adjusted operating loss of $22 million for the prior year. Fixed deferred\nannuity account balances declined 12% to $6.3 billion as of December 31, 2023 compared to the prior year as policies continue to lapse and we previously\ndiscontinued new sales of fixed deferred annuities.\nNet Revenues\nNet investment income, which excludes net realized investment gains or losses, the market impact of hedges to offset interest rate and currency changes on\nunrealized gains or losses for certain investments, integration and restructuring charges, and the impact of consolidating CIEs, increased $92 million, or 59%, for 2023\ncompared to the prior year primarily reflecting the benefit of investment portfolio repositioning and higher interest rates on cash positions.\nOther revenues decreased $21 million, or 9%, for 2023 compared to the prior year primarily reflecting the yield on deposit receivables arising from reinsurance\ntransactions.\n48", "9b5f3a41-57ae-4237-964f-1a96e9e027bb": "Index\nAmeriprise Financial, Inc.\nExpenses\nInterest and debt expense increased $27 million, or 39%, for 2023 compared to the prior year primarily reflecting the issuance of $750 million of unsecured senior notes\nin March 2023 and $600 million of unsecured senior notes in November 2023, partially offset by the maturity of $750 million of unsecured senior notes in October 2023.\nGeneral and administrative expense, which excludes integration and restructuring charges and expenses attributable to CIEs, increased $60 million, or 27%, for 2023\ncompared to the prior year primarily due to increased severance expense related to our expense management initiatives and a larger unfavorable change in the mark-\nto-market impact on share-based compensation expense due to share price appreciation.\nClosed Block LTC Insurance\nAs of December 31, 2023, our nursing home indemnity LTC block had approximately $68 million in gross in force annual premium and future policyholder benefits and\nclaim reserves of approximately $1.4 billion, net of reinsurance, which was 51% of GAAP reserves. This block has been shrinking over the last few years given the\naverage attained age is 84 and the average attained age of policyholders on claim is 89. Fifty-four percent of daily benefits in force in this block are lifetime benefits.\nAs of December 31, 2023, our comprehensive reimbursement LTC block had approximately $113 million in gross in force annual premium and future policyholder\nbenefits and claim reserves of approximately $1.3 billion, net of reinsurance. This block has higher premiums per policy than the nursing home indemnity LTC policies.\nThe average attained age is 79 and the average attained age of policyholders on claim is 86. Thirty-four percent of daily benefits in force in this block are lifetime\nbenefits.\nWe utilize three primary levers to manage our LTC business. First, we have taken an active approach of steadily increasing rates since 2005, with cumulative rate\nincreases of 251% on our nursing home indemnity LTC block (excluding home care riders) and 154% on our comprehensive reimbursement LTC block as of December\n31, 2023. Second, we have a reserving process that reflects the policy features and risk characteristics of our blocks. As of December 31, 2023, we had 43,000 policies\nthat were closed with claim activity, as well as 8,000 open claims. We apply this experience to our in force policies, which were 80,000 as of December 31, 2023, at a\nvery granular level by issue year, attained age and benefit features. Our statutory reserves are $265 million higher than our GAAP reserves and include margins on\nkey assumptions for morbidity and mortality, as well as $345 million in asset adequacy reserves as of December 31, 2023. Lastly, we have prudently managed our\ninvestment portfolio primarily through a liquid, investment grade portfolio.\nWe undertake an extensive review of the cash flow and expense assumptions supporting the liability for future policy benefits annually during the third quarter of\neach year, or more frequently if appropriate, using current best estimate assumptions as of the date of the review. Our annual review process includes an analysis of\nour key reserve assumptions, including those for morbidity, terminations (mortality and lapses), and premium rate increases.\n49", "79e0f0b5-378b-4e3a-b997-78cfbc505fc8": "Index\nAmeriprise Financial, Inc.\nConsolidated Results of Operations\nYear Ended December 31, 2022 Compared to Year Ended December 31, 2021\nThe following table presents our consolidated results of operations:\n \nYears Ended December 31,\nChange\n2022\n2021\n(in millions)\nRevenues\nManagement and financial advice fees\n$\n9,033 \n$\n9,275 \n$\n(242)\n(3)\n%\nDistribution fees\n1,939 \n1,828 \n111 \n6 \nNet investment income\n1,474 \n1,683 \n(209)\n(12)\nPremiums, policy and contract charges\n1,397 \n221 \n1,176 \nNM\nOther revenues\n491 \n382 \n109 \n29 \nTotal revenues\n14,334 \n13,389 \n945 \n7 \nBanking and deposit interest expense\n76 \n12 \n64 \nNM\nTotal net revenues\n14,258 \n13,377 \n881 \n7 \nExpenses\n \n \n \n \nDistribution expenses\n4,935 \n5,028 \n(93)\n(2)\nInterest credited to fixed accounts\n665 \n600 \n65 \n11 \nBenefits, claims, losses and settlement expenses\n242 \n(156)\n398 \nNM\nRemeasurement (gains) losses of future policy benefit reserves\n1 \n(52)\n53 \nNM\nChange in fair value of market risk benefits\n311 \n(113)\n424 \nNM\nAmortization of deferred acquisition costs\n252 \n259 \n(7)\n(3)\nInterest and debt expense\n198 \n191 \n7 \n4 \nGeneral and administrative expense\n3,723 \n3,435 \n288 \n8 \nTotal expenses\n10,327 \n9,192 \n1,135 \n12 \nPretax income\n3,931 \n4,185 \n(254)\n(6)\nIncome tax provision\n782 \n768 \n14 \n2 \nNet income\n$\n3,149 \n$\n3,417 \n$\n(268)\n(8)\n%\nNM Not Meaningful - variance equal to or greater than 100%.\nOverall\nPretax income decreased $254 million, or 6%, for 2022 compared to the prior year. The following impacts were significant drivers of the year-over-year change in pretax\nincome:\n\u2022\nThe prior year impact of the block transfer reinsurance transaction resulted in $524 million of pretax income for 2021 primarily reflecting the net realized gains on\ninvestments sold to the reinsurer.\n\u2022\nA negative impact from lower average equity markets compared to the prior year. Our average WEI, which is a proxy for equity movements on AUM, decreased\n7% in 2022 compared to the prior year. The average S&P 500 index was 4% lower for 2022 compared to the prior year.\n\u2022\nThe favorable impact of unlocking was $133 million for 2022 compared to an unfavorable impact of $113 million for the prior year.\n\u2022\nA favorable impact from the increase in short-term interest rates compared to the prior year.\n\u2022\nThe market impact on non-traditional long-duration products (including variable and fixed deferred annuity contracts and UL insurance contracts), net of hedges\nand the reinsurance accrual was a benefit of $483 million for 2022 compared to a benefit of $464 million for the prior year.\n50", "7ec5a6f2-62d5-47d2-918e-6279acfae84c": "Index\nAmeriprise Financial, Inc.\nThe following table presents the total pretax impacts on our revenues and expenses attributable to unlocking and LTC loss recognition for the years ended December\n31:\nPretax Increase (Decrease)\n2022\n2021\n(in millions)\nPremiums, policy and contract charges\n$\n(1)\n$\n16 \nTotal revenues\n(1)\n16 \nBenefits, claims, losses and settlement expenses\n7 \n6 \nRemeasurement (gains) losses of future policy benefit reserves:\nLTC unlocking\n(6)\n\u2014 \nUnlocking impact, excluding LTC\n6 \n\u2014 \nTotal remeasurement (gains) losses of future policy benefit reserves\n\u2014 \n\u2014 \nChange in fair value of market risk benefits\n(139)\n123 \nAmortization of DAC\n(2)\n\u2014 \nTotal benefits and expenses\n(134)\n129 \nPretax income (loss) \n$\n133 \n$\n(113)\n Includes a $2 million net expense related to the market impact on IUL benefits for 2022, which is excluded from adjusted operating earnings. Refer to Results of Operations by\nSegment for the impact to pretax adjusted operating earnings attributable to unlocking.\nThe primary drivers of the year-over-year unlocking impact include the following items:\n\u2022\nInterest rate assumptions resulted in a benefit in 2022.\n\u2022\nMortality assumption on variable annuities with living benefit guarantees resulted in a higher expense in 2022 compared to the prior year.\nNet Revenues\nManagement and financial advice fees decreased \n$242 million, or 3%, for 2022 compared to the prior year primarily reflecting market depreciation, an unfavorable\nforeign exchange impact, and a decrease in performance fees of $39 million, partially offset by revenue associated with the acquisition of the BMO Global Asset\nManagement (EMEA) business and continued wrap account net inflows.\nDistribution fees increased $111 million, or 6%, for 2022 compared to the prior year due to $264 million of higher fees on off-balance sheet brokerage cash primarily\ndue to an increase in short-term interest rates, partially offset by lower average equity markets and decreased transactional activity.\nNet investment income decreased $209 million, or 12%, for 2022 compared to the prior year primarily due to the following impacts:\n\u2022\nNet realized investment losses of $87 million for 2022 compared to net realized investment gains of $636 million for the prior year period. Net realized losses for\n2022 were primarily driven by the fixed maturity investment portfolio repositioning in the fourth quarter of 2022. Net realized gains for 2021 included net realized\ngains of $561 million on Available-for-Sale securities and a $58 million net gain related to commercial mortgage loans primarily due to the sale of securities and\nloans to the reinsurer as a result of the fixed deferred and payout annuity reinsurance transaction that closed in the third quarter 2021, as well as a $15 million\ngain on a strategic investment.\n\u2022\nThe favorable impact of the recent trend in rising interest rates on the investment portfolio yield, including the fourth quarter of 2022 impact of portfolio\nrepositioning.\n\u2022\nThe favorable impact of growth in Ameriprise Bank and certificate businesses as a result of the market environment and our strategic decision to invest in the\nbusinesses.\n\u2022\nThe unfavorable impact of lower average invested assets due to the sale of investments as a result of the fixed deferred and payout annuity reinsurance\ntransaction in the prior year.\n\u2022\nThe $22 million unfavorable market impact of hedges to offset interest rate and currency changes on certain investments in the prior year.\nPremiums, policy and contract charges increased $1.2 billion for 2022 compared to the prior year primarily reflecting ceded premiums of $1.2 billion associated with the\nreinsurance transaction for life contingent payout annuity policies in the prior year.\nOther revenues increased $109 million, or 29%, for 2022 compared to the prior year primarily reflecting the yield on deposit receivables arising from the reinsurance\ntransactions.\nBanking and deposit interest expense increased $64 million for 2022 compared to the prior year primarily due to higher average crediting rates on certificates and bank\ncash deposits and increased cash deposits at the bank.\n(1)\n(1)\n51", "b3c3802d-8d6b-45e8-838b-46947bebd021": "Index\nAmeriprise Financial, Inc.\nExpenses\nDistribution expenses decreased $93 million, or 2%, for 2022 compared to the prior year primarily lower average equity markets and decreased transactional activity.\nInterest credited to fixed accounts increased $65 million, or 11%, for 2022 compared to the prior year primarily reflecting the following items:\n\u2022\nAn $23 million decrease in expense from the unhedged nonperformance credit spread risk adjustment on IUL benefits. The favorable impact of the\nnonperformance credit spread was $13 million for 2022 compared to an unfavorable impact of $10 million for the prior year.\n\u2022\nA $105 million increase in expense from other market impacts on IUL benefits, net of hedges, which was an expense of $51 million for 2022 compared to a benefit\nof $54 million for the prior year. The increase in expense was primarily due to an increase in the IUL embedded derivative in the current year period, which\nreflected higher option costs due to a higher new money rate, compared to a decrease in the IUL embedded derivative in the prior year period, which reflected\nlower option costs due to higher discount rates.\nBenefits, claims, losses and settlement expenses increased $398 million for 2022 compared to the prior year primarily reflecting the following items:\n\u2022\nA $1.2 billion decrease in expense associated with the reinsurance transaction for life contingent payout annuity policies in the prior year.\n\u2022\nAn $806 million decrease in expense from market impacts on SVA embedded derivative, net of hedges in place to offset those risks. This decrease was the result\nof a favorable $1.0 billion change in the market impact on the SVA embedded derivative, partially offset by an unfavorable $224 million change in the market\nimpact on derivatives hedging the SVA embedded derivative. The main market driver contributing to these changes was the equity market impact on the SVA\nembedded derivative net of the impact on the corresponding hedge assets, which resulted in a benefit for 2022 compared to an expense in the prior year.\nRemeasurement (gains) losses of future policy benefit reserves increased $53 million for 2022 compared to the prior year primarily reflecting an increase in expense on\nLTC insurance as policy and claim terminations returned to more normalized levels compared to the prior year period which benefited from COVID-19 related impacts.\nChange in fair value of market risk benefits increased $424 million for 2022 compared to the prior year primarily reflecting the following items:\n\u2022\nA $769 million increase in expense from other market impacts on variable annuity guaranteed benefits, net of hedges in place to offset those risks. This decrease\nwas the result of an unfavorable $865 million change in the market impact on variable annuity guaranteed benefits reserves, partially offset by a favorable\n$96 million change in the market impact on derivatives hedging the variable annuity guaranteed benefits. The main market drivers contributing to these changes\nare summarized below:\n\u2022\nEquity market impact on the variable annuity guaranteed benefits liability net of the impact on the corresponding hedge assets resulted in an expense for\n2022 compared to a benefit in the prior year.\n\u2022\nInterest rate and bond impact on the variable annuity guaranteed benefits liability net of the impact on the corresponding hedge assets resulted in a benefit\nfor 2022 compared to an expense in the prior year.\n\u2022\nVolatility impact on the variable annuity guaranteed benefits liability net of the impact on the corresponding hedge assets resulted in a higher expense for\n2022 compared to the prior year.\n\u2022\nOther unhedged items, including the difference between the assumed and actual underlying separate account investment performance, transaction costs\nand various behavioral items, were a higher net expense for 2022 compared to the prior year.\nGeneral and administrative expense increased $288 million, or 8%, 2022 the prior year primarily reflecting the operating expenses of the acquired BMO Global Asset\nManagement (EMEA) business and higher integration related expenses, partially offset by disciplined expense management and reengineering, lower performance fee\nrelated compensation and a favorable foreign exchange impact.\nIncome Taxes\nOur effective tax rate was 19.9% for 2022 compared to 18.3% for the prior year. See Note 24 to our Consolidated Financial Statements for additional discussion on\nincome taxes.\n52", "931040a6-8f2d-47d6-a73f-09261384cd1b": "Index\nAmeriprise Financial, Inc.\nResults of Operations by Segment\nYear Ended December 31, 2022 Compared to Year Ended December 31, 2021\nThe following table presents summary financial information by segment:\n \nYears Ended December 31,\n2022\n2021\n(in millions)\nAdvice & Wealth Management\n \n \nNet revenues\n$\n8,461 \n$\n8,021 \nExpenses\n6,269 \n6,278 \nAdjusted operating earnings\n$\n2,192 \n$\n1,743 \nAsset Management\nNet revenues\n$\n3,506 \n$\n3,682 \nExpenses\n2,662 \n2,586 \nAdjusted operating earnings\n$\n844 \n$\n1,096 \nRetirement & Protection Solutions\nNet revenues\n$\n3,124 \n$\n3,230 \nExpenses\n2,257 \n2,612 \nAdjusted operating earnings\n$\n867 \n$\n618 \nCorporate & Other\nNet revenues\n$\n479 \n$\n487 \nExpenses\n785 \n776 \nAdjusted operating loss\n$\n(306)\n$\n(289)\nThe following table presents the segment pretax adjusted operating impacts on our revenues and expenses attributable to unlocking \nfor the years ended December\n31:\nSegment Pretax Adjusted Operating Increase (Decrease)\n2022\n2021\nRetirement &\nProtection\nSolutions\nCorporate\nRetirement &\nProtection\nSolutions\nCorporate\n(in millions)\nPremiums, policy and contract charges\n$\n1 \n$\n(2)\n$\n16 \n$\n\u2014 \nTotal revenues\n1 \n(2)\n16 \n\u2014 \nBenefits, claims, losses and settlement expenses\n6 \n(1)\n6 \n\u2014 \nRemeasurement (gains) losses of future policy benefit reserves:\nLTC unlocking and loss recognition\n\u2014 \n(6)\n\u2014 \n\u2014 \nUnlocking impact, excluding LTC\n6 \n\u2014 \n\u2014 \n\u2014 \nTotal remeasurement (gains) losses of future policy benefit reserves\n6 \n(6)\n\u2014 \n\u2014 \nChange in fair value of market risk benefits\n(139)\n\u2014 \n123 \n\u2014 \nAmortization of DAC\n\u2014 \n(2)\n\u2014 \n\u2014 \nTotal expenses\n(127)\n(9)\n129 \n\u2014 \nPretax income (loss)\n$\n128 \n$\n7 \n$\n(113)\n$\n\u2014 \n53", "c14fd78f-eb63-487f-99ce-9006bb99cf9f": "Index\nAmeriprise Financial, Inc.\nAdvice & Wealth Management\nThe following table presents the changes in wrap account assets and average balances for the years ended December 31:\n2022\n2021\n(in billions)\nBeginning balance\n$\n464.7 \n$\n380.0 \nNet flows\n27.5 \n40.4 \nMarket appreciation (depreciation) and other\n(80.1)\n44.3 \nEnding balance\n$\n412.1 \n$\n464.7 \nAdvisory wrap account assets ending balance \n$\n407.8 \n$\n459.5 \nAverage advisory wrap account assets \n$\n419.9 \n$\n415.3 \n Advisory wrap account assets represent those assets for which clients receive advisory services and are the primary driver of revenue earned on wrap accounts. Clients may hold\nnon-advisory investments in their wrap accounts that do not incur an advisory fee.\n Average ending balances are calculated using an average of the prior period\u2019s ending balance and all months in the current period excluding the most recent month for the twelve\nmonths ended December 31, 2022 and 2021, which is reflective of our billing cycle.\nWrap account assets decreased $52.6 billion, or 11%, during 2022 due to market depreciation of $80.1 billion, partially offset by net inflows of $27.5 billion. Average\nadvisory wrap account assets increased $4.6 billion, or 1%, compared to the prior year primarily reflecting continued net inflows, partially offset by market\ndepreciation.\nThe following table presents the results of operations of our Advice & Wealth Management segment on an adjusted operating basis:\nYears Ended December 31,\nChange\n2022\n2021\n(in millions)\nRevenues\nManagement and financial advice fees\n$\n5,308 \n$\n5,297 \n$\n11 \n\u2014 \n%\nDistribution fees\n2,249 \n2,253 \n(4)\n\u2014 \nNet investment income\n748 \n257 \n491 \nNM\nOther revenues\n232 \n226 \n6 \n3 \nTotal revenues\n8,537 \n8,033 \n504 \n6 \nBanking and deposit interest expense\n76 \n12 \n64 \nNM\nTotal net revenues\n8,461 \n8,021 \n440 \n5 \nExpenses\n \n \n \n \nDistribution expenses\n4,719 \n4,842 \n(123)\n(3)\nInterest and debt expense\n10 \n10 \n\u2014 \n\u2014 \nGeneral and administrative expense\n1,540 \n1,426 \n114 \n8 \nTotal expenses\n6,269 \n6,278 \n(9)\n\u2014 \nAdjusted operating earnings\n$\n2,192 \n$\n1,743 \n$\n449 \n26 \n%\nNM Not Meaningful - variance equal to or greater than 100%.\nOur Advice & Wealth Management segment pretax adjusted operating earnings, which exclude net realized investment gains or losses, increased $449 million, or\n26%, for 2022 compared to the prior year primarily reflecting the benefit from higher interest rates and client net inflows, partially offset by market depreciation and\ndecreased transactional activity. Pretax adjusted operating margin was 25.9% for 2022 compared to 21.7% for the prior year. Adjusted operating net revenue per\nadvisor increased to $827,000 for 2022, up 4%, from $796,000 for the prior year.\nAmeriprise Bank is continuing its deposit growth trend, with bank deposits balances increasing $6.9 billion from the prior year period to $18.3 billion and brokerage\nclient pledged asset lines of credit increasing $122 million from the prior year to $589 million as of December 31, 2022.\nNet Revenues\nManagement and financial fees increased $11 million for 2022 compared to the prior year primarily due to an increase in financial planning fees, offset by lower\nadvisory fees. Average advisory wrap account assets increased \n$4.6 billion, or 1%, compared to the prior year reflecting net inflows, partially offset by market\ndepreciation.\n(1)\n(2)\n(1)\n(2)\n54", "d2b06492-0b77-49ef-83f0-1cbfee219db4": "Index\nAmeriprise Financial, Inc.\nDistribution fees decreased $4 million for 2022 compared to the prior year reflecting lower average equity markets and decreased transactional activity mostly offset\nby $264 million of higher fees on off-balance sheet brokerage cash due to an increase in average short-term interest rates.\nNet investment income increased $491 million for 2022 compared to the prior year primarily due to higher average invested assets due to increased bank deposits and\nhigher investment yields on the investment portfolio supporting the bank and certificate products.\nBanking and deposit interest expense increased $64 million for 2022 compared to the prior year primarily due to higher average crediting rates on bank cash deposits\nand certificates and increased cash deposits at the bank.\nExpenses\nDistribution expenses decreased $123 million, or 3%, for 2022 compared to the prior year reflecting market depreciation and decreased transactional activity.\nGeneral and administrative expense increased $114 million, or 8%, for 2022 compared to the prior year primarily due to higher volume related expenses and\ninvestments in business growth as well as lower staffing levels and limited travel and entertainment expenses in the prior year.\nAsset Management\nThe following table presents managed assets by type:\nDecember 31,\nChange\nAverage\nChange\nDecember 31,\n2022\n2021\n2022\n2021\n(in billions)\nEquity\n$\n301.2 \n$\n402.9 \n$\n(101.7)\n(25)\n%\n$\n333.1 \n$\n338.3 \n$\n(5.2)\n(2)\n%\nFixed income\n210.0 \n277.0 \n(67.0)\n(24)\n232.0 \n211.8 \n20.2 \n10 \nMoney market\n21.9 \n10.1 \n11.8 \nNM\n17.1 \n6.5 \n10.6 \nNM\nAlternative\n33.7 \n39.9 \n(6.2)\n(16)\n37.3 \n25.8 \n11.5 \n45 \nHybrid and other\n17.2 \n24.2 \n(7.0)\n(29)\n19.8 \n22.6 \n(2.8)\n(12)\nTotal managed assets\n$\n584.0 \n$\n754.1 \n$\n(170.1)\n(23)\n%\n$\n639.3 \n$\n605.0 \n$\n34.3 \n6 \n%\nNM Not Meaningful - variance equal to or greater than 100%.\n Average ending balances are calculated using an average of the prior period\u2019s ending balance and all months in the current period.\n (1)\n(1)\n55", "d8e49304-aab5-4fbd-b948-a147ea6c4c90": "Index\nAmeriprise Financial, Inc.\nThe following table presents the changes in global managed assets:\nYears Ended December 31,\n2022\n2021\n(in billions)\nGlobal Retail Funds\n \n \nBeginning assets\n$\n409.4 \n$\n323.5 \nInflows\n60.9 \n78.5 \nOutflows\n(84.7)\n(68.8)\nNet VP/VIT fund flows\n(4.3)\n(4.2)\nNet new flows \n(28.1)\n5.5 \nReinvested dividends\n11.4 \n19.0 \nNet flows\n(16.7)\n24.5 \nDistributions\n(12.9)\n(21.5)\nAcquired assets \n\u2014 \n37.0 \nMarket appreciation (depreciation) and other\n(65.6)\n47.5 \nForeign currency translation \n(4.9)\n(1.6)\nTotal ending assets\n309.3 \n409.4 \nGlobal Institutional\nBeginning assets\n344.7 \n223.1 \nInflows \n59.1 \n50.9 \nOutflows \n(49.0)\n(32.5)\nNet flows \n10.1 \n18.4 \nAcquired assets \n\u2014 \n99.2 \nMarket appreciation (depreciation) and other \n(65.0)\n6.7 \nForeign currency translation \n(15.1)\n(2.7)\nTotal ending assets\n274.7 \n344.7 \nTotal managed assets\n$\n584.0 \n$\n754.1 \nTotal net flows\n$\n(6.6)\n$\n42.9 \nLegacy insurance partners net flows \n$\n(4.6)\n$\n(4.9)\n Included in net flows are the amounts from the U.S. asset transfer from the BMO acquisition of $2.6 billion ($2.5 billion retail and $0.1 billion institutional) in 2022 and $16.9\nbillion ($2.9 billion retail and $14.0 billion institutional) in 2021.\n Reflects the acquisition of the BMO Global Asset Management (EMEA) business that closed on November 8, 2021.\n Amounts represent local currency to US dollar translation for reporting purposes.\n Global Institutional inflows and outflows include net flows from our structured variable annuity product and Ameriprise Bank.\n Included in Market appreciation (depreciation) and other for Global Institutional is the change in affiliated general account balance, excluding net flows related to our structured\nvariable annuity product and Ameriprise Bank\n Legacy insurance partners assets and net flows are included in the rollforwards above.\nTotal segment AUM decreased $170.1 billion, or 23%, during 2022 driven by equity and bond market depreciation and an unfavorable foreign exchange impact. Net\noutflows were $6.6 billion for 2022, compared to net inflows of $42.9 billion in the prior year which included the transfer of $16.9 billion of retail and institutional assets\nfrom U.S. BMO asset management clients that elected to move their assets to us during the fourth quarter of 2021, resulting from the transition of investment\nadvisory services as part of an arrangement with BMO Financial Group for their U.S. business.\n(1)\n(2)\n(3)\n(4)\n(4)\n(1)\n(2)\n(5)\n(3)\n(6)\n(1)\n(2)\n(3)\n(4)\n(5)\n(6)\n56", "4b277b54-5937-427a-81ae-20d796f782ee": "Index\nAmeriprise Financial, Inc.\nThe following table presents the results of operations of our Asset Management segment on an adjusted operating basis:\nYears Ended December 31,\nChange\n2022\n2021\n(in millions)\nRevenues\n \n \n \n \nManagement and financial advice fees\n$\n3,086 \n$\n3,202 \n$\n(116)\n(4)\n%\nDistribution fees\n397 \n471 \n(74)\n(16)\nNet investment income\n9 \n6 \n3 \n50 \nOther revenues\n14 \n3 \n11 \nNM\nTotal revenues\n3,506 \n3,682 \n(176)\n(5)\nBanking and deposit interest expense\n\u2014 \n\u2014 \n\u2014 \n\u2014 \nTotal net revenues\n3,506 \n3,682 \n(176)\n(5)\nExpenses\n \n \n \n \nDistribution expenses\n995 \n1,132 \n(137)\n(12)\nAmortization of deferred acquisition costs\n9 \n12 \n(3)\n(25)\nInterest and debt expense\n5 \n5 \n\u2014 \n\u2014 \nGeneral and administrative expense\n1,653 \n1,437 \n216 \n15 \nTotal expenses\n2,662 \n2,586 \n76 \n3 \nAdjusted operating earnings\n$\n844 \n$\n1,096 \n$\n(252)\n(23)\n%\nNM Not Meaningful - variance equal to or greater than 100%.\nOur Asset Management segment pretax adjusted operating earnings, which exclude net realized investment gains or losses, decreased $252 million, or 23%, for 2022\ncompared to the prior year primarily due market depreciation, an unfavorable foreign exchange impact and the cumulative impact of net outflows.\nNet Revenues\nManagement and financial advice fees decreased $116 million, or 4%, for 2022 compared to the prior year primarily driven by lower average markets, the cumulative\nimpact of net outflows, the impact of foreign exchange rates and a decrease in performance fees, partially offset by revenue associated with the acquired BMO Global\nAsset Management (EMEA) business.\nDistribution fees decreased $74 million, or 16%, for 2022 compared to the prior year primarily due to lower average markets and the cumulative impact from net\noutflows.\nOther revenues increased $11 million for 2022 compared to prior year primarily due to the acquired BMO Global Asset Management (EMEA) business.\nExpenses\nDistribution expenses decreased $137 million, or 12%, for 2022 compared to the prior year primarily due to market depreciation and the cumulative impact of net\noutflows.\nGeneral and administrative expense increased $216 million, or 15%, for 2022 compared to the prior year primarily reflecting the operating expenses of the acquired\nBMO Global Asset Management (EMEA) business, partially offset by the impact of foreign exchange rates and $17 million in lower performance fee related\ncompensation.\n57", "0045a480-0d1f-4714-bda7-2105f5c41006": "Index\nAmeriprise Financial, Inc.\nRetirement & Protection Solutions\nThe\n \nfollowing\n \ntable\n \npresents\n \nthe\n \nresults\n \nof\n \noperations\n \nof\n \nour Retirement\n \n&\n \nProtection\n \nSolutions segment\n \non an\n \nadjusted\n \noperating\n \nbasis:\nYears Ended December 31,\nChange\n2022\n2021\n(in millions)\nRevenues\n \n \n \n \nManagement and financial advice fees\n$\n788 \n$\n932 \n$\n(144)\n(15)\n%\nDistribution fees\n418 \n485 \n(67)\n(14)\nNet investment income\n569 \n480 \n89 \n19 \nPremiums, policy and contract charges\n1,337 \n1,326 \n11 \n1 \nOther revenues\n12 \n7 \n5 \n71 \nTotal revenues\n3,124 \n3,230 \n(106)\n(3)\nBanking and deposit interest expense\n\u2014 \n\u2014 \n\u2014 \n\u2014 \nTotal net revenues\n3,124 \n3,230 \n(106)\n(3)\nExpenses\n \n \n \n \nDistribution expenses\n448 \n544 \n(96)\n(18)\nInterest credited to fixed accounts\n386 \n389 \n(3)\n(1)\nBenefits, claims, losses and settlement expenses\n469 \n427 \n42 \n10 \nRemeasurement (gains) losses of future policy benefit reserves\n1 \n(6)\n7 \nNM\nChange in fair value of market risk benefits\n372 \n680 \n(308)\n(45)\nAmortization of deferred acquisition costs\n233 \n239 \n(6)\n(3)\nInterest and debt expense\n39 \n37 \n2 \n5 \nGeneral and administrative expense\n309 \n302 \n7 \n2 \nTotal expenses\n2,257 \n2,612 \n(355)\n(14)\nAdjusted operating earnings\n$\n867 \n$\n618 \n$\n249 \n40 \n%\nNM Not Meaningful - variance equal to or greater than 100%.\nOur Retirement & Protection Solutions segment pretax adjusted operating earnings, which exclude net realized investment gains or losses (net of the reinsurance\naccrual), the market impact on variable annuity guaranteed benefits (net of hedges), the market impact on IUL benefits (net of hedges and the reinsurance accrual),\nmean reversion related impacts, and block transfer reinsurance transaction impacts increased $249 million, or 40%, for 2022 compared to the prior year.\nVariable annuity account balances decreased 19% to $74.4 billion as of December 31, 2022 compared to the prior year due to market depreciation and net outflows of\n$2.1 billion. Variable annuity sales decreased 33% to $4.0 billion for 2022 compared to the prior year reflecting a decrease in sales of variable annuities with living\nbenefit guarantees. Account values with living benefit riders declined to 57% as of December 31, 2022 compared to 61% a year ago reflecting our actions to optimize\nour business mix. This trend is expected to continue and meaningfully shift the mix of business away from products with living benefit guarantees over time.\nWe continue to optimize our risk profile and shift our business mix to lower risk offerings. During the fourth quarter of 2021, we made the decision to discontinue new\nsales of our variable annuities with living benefit guarantees at the end of 2021, and have stopped issuing new contracts as of mid-2022. In addition, we discontinued\nnew sales of our universal life insurance with secondary guarantees and our single-pay fixed universal life with a long term care rider products at the end of 2021.\nNet Revenues\nManagement and financial advice fees decreased $144 million, or 15%, for 2022 compared to the prior year primarily reflecting lower average equity markets and\nvariable annuity net outflows.\nDistribution fees decreased $67 million, or 14%, for 2022 compared to the prior year reflecting lower average equity markets and lower sales.\nNet investment income, which excludes net realized investment gains or losses, increased $89 million, or 19%, for 2022 compared to the prior year reflecting higher\nfixed maturity investment yields and increased volume of invested assets partially driven by our portfolio repositioning in the fourth quarter.\nExpenses\nDistribution expenses decreased $96 million, or 18%, for 2022 compared to the prior year primarily reflecting lower variable annuity and insurance sales and market\ndepreciation.\n58", "0df297ec-9235-4bf8-89fa-aceb758676ef": "Index\nAmeriprise Financial, Inc.\nBenefits, claims, losses and settlement expenses, which exclude the market impact on structured variable annuities indexed account embedded derivative (net of\nhedges) and mean reversion related impacts, increased $42 million, or 10%, for 2022 compared to the prior year primarily reflecting the impacts of equity market\ndepreciation and higher interest rates, as well as increased volume in SVAs.\nChange in fair value of market risk benefits, which exclude the market impact on variable annuity guaranteed benefits (net of hedges), decreased $308 million, or 45%,\nfor 2022 compared to the prior year period primarily reflecting the impact of unlocking, equity market depreciation and variable annuity net outflows. The unlocking\nimpact for 2022 was a benefit of $139 million primarily reflecting the impact of interest rate assumptions, partially offset by lower surrender assumptions and updated\nmortality assumptions for variable annuities with living benefits compared to an expense of $123 million for the prior year which was driven by lower surrender\nassumptions.\nCorporate & Other\nThe following table presents the results of operations of our Corporate & Other segment on an adjusted operating basis:\nYears Ended December 31,\nChange\n2022\n2021\n(in millions)\nRevenues\n \n \n \n \nDistribution fees\n$\n\u2014 \n$\n1 \n$\n(1)\nNM\nNet investment income\n155 \n242 \n(87)\n(36)\nPremiums, policy and contract charges\n99 \n100 \n(1)\n(1)\nOther revenues\n230 \n146 \n84 \n58 \nTotal revenues\n484 \n489 \n(5)\n(1)\nBanking and deposit interest expense\n5 \n2 \n3 \nNM\nTotal net revenues\n479 \n487 \n(8)\n(2)\nExpenses\n \n \n \nDistribution expenses\n(10)\n(9)\n(1)\n11 \nInterest credited to fixed accounts\n242 \n250 \n(8)\n(3)\nBenefits, claims, losses and settlement expenses\n247 \n245 \n2 \n1 \nRemeasurement (gains) losses of future policy benefit reserves\n\u2014 \n(46)\n46 \nNM\nAmortization of deferred acquisition costs\n10 \n8 \n2 \n25 \nInterest and debt expense\n70 \n63 \n7 \n11 \nGeneral and administrative expense\n226 \n265 \n(39)\n(15)\nTotal expenses\n785 \n776 \n9 \n1 \nOperating loss\n$\n(306)\n$\n(289)\n$\n(17)\n(6)\n%\nNM Not Meaningful - variance equal to or greater than 100%.\nOur Corporate & Other segment pretax adjusted operating loss excludes net realized investment gains or losses, the market impact on fixed annuity benefits (net of\nhedges), the market impact of hedges to offset interest rate and currency changes on unrealized gains or losses for certain investments, block transfer reinsurance\ntransaction impact, gain or loss on disposal of a business that is not considered discontinued operations, integration and restructuring charges, and the impact of\nconsolidating CIEs. Our Corporate & Other segment pretax adjusted operating loss increased $17 million, or 6%, for 2022 compared to the prior year.\nOur LTC insurance had a pretax adjusted operating loss of $10 million for 2022 compared to pretax adjusted operating earnings of $29 million for the prior year\nprimarily reflecting the favorable impacts in 2021 from COVID-19 effects on policyholder expenses.\nFA business had a pretax adjusted operating loss of $22 million for 2022 compared to a pretax adjusted operating loss of $20 million for the prior year. Fixed deferred\nannuity account balances declined 6% to $7.1 billion as of December 31, 2022 compared to the prior year period as surrender trends continued. During the third\nquarter of 2021, we closed on a transaction to reinsure RiverSource Life\u2019s fixed deferred and payout annuity policies.\nNet Revenues\nNet investment income, which excludes net realized investment gains or losses, the market impact of hedges to offset interest rate and currency changes on\nunrealized gains or losses for certain investments, block transfer reinsurance transaction impacts, integration and restructuring charges, and the impact of\nconsolidating CIEs, decreased $87 million, or 36%, for 2022 compared to the prior year primarily reflecting lower average invested assets due to the sale of\ninvestments to the reinsurer as a result of the fixed deferred and payout annuity reinsurance transaction and a $15 million gain on a strategic investment in the prior\nyear.\n59", "c807dd0a-87e5-4aa7-a144-ebaf132097f8": "Index\nAmeriprise Financial, Inc.\nOther revenues increased $84 million, or 58%, for 2022 compared to the prior year primarily reflecting the yield on deposit receivables arising from reinsurance\ntransactions.\nExpenses\nRemeasurement (gains) losses of future policy benefit reserves increased $46 million for 2022 compared to the prior year primarily reflecting an increase in expense on\nLTC insurance as policy and claim terminations returned to more normalized levels compared to the prior year which benefited from COVID-19 related impacts.\nGeneral and administrative expense, which excludes integration and restructuring charges and expenses attributable to CIEs, \ndecreased $39 million, or 15%, to 2022\ncompared to the prior year primarily due to a larger unfavorable change in the mark-to-market impact on share-based compensation expenses in the prior year due to\nshare price appreciation.\nFair Value Measurements\nWe report certain assets and liabilities at fair value; specifically, separate account assets, derivatives, market risk benefits, embedded derivatives and most\ninvestments and cash equivalents. Fair value assumes the exchange of assets or liabilities occurs in orderly transactions and is not the result of a forced liquidation\nor distressed sale. We include actual market prices, or observable inputs, in our fair value measurements to the extent available. Broker quotes are obtained when\nquotes from pricing services are not available. We validate prices obtained from third parties through a variety of means such as: price variance analysis, subsequent\nsales testing, stale price review, price comparison across pricing vendors and due diligence reviews of vendors. See Note 16 to the Consolidated Financial Statements\nfor additional information on our fair value measurements.\nFair Value of Liabilities and Nonperformance Risk\nCompanies are required to measure the fair value of liabilities at the price that would be received to transfer the liability to a market participant (an exit price). Since\nthere is not a market for our obligations of our market risk benefits, fixed deferred indexed annuities, structured variable annuities, and IUL insurance, we consider the\nassumptions participants in a hypothetical market would make to reflect an exit price. As a result, we adjust the valuation of market risk benefits, fixed deferred\nindexed annuities, structured variable annuities, and IUL insurance by updating certain contractholder assumptions, adding explicit margins to provide for risk, and\nadjusting the rates used to discount expected cash flows to reflect a current market estimate of our nonperformance risk. The nonperformance risk adjustment is\nbased on observable market data adjusted to estimate the risk of our life insurance company subsidiaries not fulfilling these liabilities. Consistent with general market\nconditions, this estimate resulted in a spread over the U.S. Treasury curve as of December 31, 2023. As our estimate of this spread widens or tightens, the liability will\ndecrease or increase, respectively. If this nonperformance credit spread moves to a zero spread over the U.S. Treasury curve, the reduction to future total equity\nwould be approximately $795 million, net of the reinsurance accrual and income taxes (calculated at the statutory tax rate of 21%), based on December 31, 2023\ncredit spreads.\nLiquidity and Capital Resources\nOverview\nAs of December 31, 2023 and 2022, we had Available Capital for Capital Adequacy of $5.4 billion and $5.2 billion, respectively. Available Capital for Capital Adequacy\nbest reflects the available capital resources of our operations.\nWe maintained substantial liquidity during the year ended December 31, 2023. At December 31, 2023 and 2022, we had $7.5 billion and $7.0 billion, respectively, in\ncash and cash equivalents excluding CIEs and other restricted cash on a consolidated basis.\nAt December 31, 2023 and 2022, the parent company had $544 million and $389 million, respectively, in cash, cash equivalents, and unencumbered liquid securities.\nLiquid securities predominantly include U.S. government agency mortgage back securities. Additional sources of liquidity include a line of credit with an affiliate up\nto $727 million and an unsecured revolving committed credit facility for up to $1.0 billion that expires in June 2026. Management\u2019s estimate of liquidity available to the\nparent company in a volatile and uncertain economic environment as of December 31, 2023 was $1.8 billion which includes cash, cash equivalents, unencumbered\nliquid securities, the line of credit with an affiliate and a portion of the committed credit facility.", "dace36ae-29aa-4413-9f72-4cc2aca945c1": "At December 31, 2023 and 2022, the parent company had $544 million and $389 million, respectively, in cash, cash equivalents, and unencumbered liquid securities.\nLiquid securities predominantly include U.S. government agency mortgage back securities. Additional sources of liquidity include a line of credit with an affiliate up\nto $727 million and an unsecured revolving committed credit facility for up to $1.0 billion that expires in June 2026. Management\u2019s estimate of liquidity available to the\nparent company in a volatile and uncertain economic environment as of December 31, 2023 was $1.8 billion which includes cash, cash equivalents, unencumbered\nliquid securities, the line of credit with an affiliate and a portion of the committed credit facility.\nUnder the terms of the committed credit facility, we can increase the availability to $1.25 billion upon satisfaction of certain approval requirements. Available\nborrowings under this facility are reduced by any outstanding letters of credit. At December 31, 2023, we had no outstanding borrowings under this credit facility and\nhad $1 million of letters of credit issued against the facility. Our credit facility contains various administrative, reporting, legal and financial covenants. We remain in\ncompliance with all such covenants at December 31, 2023.\nIn addition, we have access to collateralized borrowings, which may include repurchase agreements and Federal Home Loan Bank (\u201cFHLB\u201d) advances, and advances\nat the Federal Reserve. Our subsidiaries, RiverSource Life Insurance Company (\u201cRiverSource Life\u201d), and Ameriprise Bank are members of the FHLB of Des Moines,\nwhich provides access to collateralized borrowings. As of December 31, 2023 and 2022, we had an estimated maximum borrowing capacity of $8.6 billion and $8.0\nbillion, respectively, of borrowing capacity under the FHLB facilities, of which $201 million was outstanding as of both December 31, 2023 and 2022, and is\ncollateralized with commercial mortgage backed securities. In addition, Ameriprise Bank maintains access to borrowings from the Federal Reserve which are\ncollateralized with residential mortgage backed securities, commercial mortgage backed securities and\n60", "ce8b1e87-423b-4003-8b73-1263fda26aa6": "Index\nAmeriprise Financial, Inc.\ncorporate debt securities. As of December 31, 2023 and 2022, we estimated $12.3 billion and $9.0 billion, respectively, of borrowing capacity from the Federal Reserve\nin addition to the FHLB capacity and there were no outstanding obligations.\nShort-term contractual obligations for the year 2024 include investment certificate maturities of $12.3 billion and estimated insurance and annuity benefits of\n$2.2 billion in addition to operating liquidity needs and maturing long-term debt in October 2024 of $550 million. We also hold banking and brokerage deposits of\n$23.9 billion that are payable on demand. \nLong-term contractual obligations for years after 2024 include estimated insurance and annuity benefits of $55.2 billion.\nOn March 9, 2023, we issued $750 million of 5.15% unsecured senior notes due May 15, 2033. We repaid $750 million principal amount of our 4.0% senior notes at\nmaturity on October 16, 2023. On November 9, 2023, we issued $600 million of 5.7% unsecured senior notes due December 15, 2028. See Note 15 to our Consolidated\nFinancial Statements for further information about our long-term debt maturities.\nWe believe cash flows from operating activities, available cash balances,\n \nour availability of internal and external borrowings, access to debt markets and dividends\nfrom our subsidiaries will be sufficient to fund our short-term and long-term operating liquidity needs and stress requirements.\nOn August 16, 2022, federal legislation commonly referred to as the Inflation Reduction Act of 2022 (\u201cIRA\u201d) was enacted. We have evaluated the tax provisions of\nthe IRA, the most significant of which are the corporate alternative minimum tax (\u201cCAMT\u201d) and the share repurchase excise tax. Both the CAMT and share\nrepurchase tax were effective beginning in 2023. We are an applicable corporation required to compute the CAMT; however, based on current estimates we do not\nexpect to be liable for the CAMT in 2023 and therefore a liability has not been recorded. We are a covered corporation subject to the 1% excise tax on the net shares\nrepurchased. We have recorded in shareholders\u2019 equity an estimate of the excise tax liability based on our interpretation of the current guidance. As the Internal\nRevenue Service issues additional guidance related to the IRA, we will continue to evaluate any impact to our consolidated financial statements.\nIn December 2021, the Organization for Economic Co-operation and Development (\u201cOECD\u201d) published the Pillar Two model rules which introduce new taxing\nmechanisms aimed at ensuring multinational enterprises (\u201cMNEs\u201d) pay a minimum level of tax on profits from each jurisdiction in which they operate. Various\njurisdictions in which we operate have enacted or substantively enacted Pillar Two legislation that became effective beginning January 1, 2024. We continue to\nmonitor the adoption and implementation of these rules and evaluate the potential impact on our consolidated financial statements.\nDividends from Subsidiaries\nAmeriprise Financial is primarily a parent holding company for the operations carried out by our wholly-owned subsidiaries. Because of our holding company\nstructure, our ability to meet our cash requirements, including the payment of dividends on our common stock, substantially depends upon the receipt of dividends\nor return of capital from our subsidiaries, particularly our life insurance subsidiary, RiverSource Life, our face-amount certificate subsidiary, Ameriprise Certificate\nCompany (\u201cACC\u201d), Ameriprise Bank, AMPF Holding, LLC, which is the parent company of our retail introducing broker-dealer subsidiary, Ameriprise Financial\nServices, LLC (\u201cAFS\u201d) and our clearing broker-dealer subsidiary, American Enterprise Investment Services, Inc. (\u201cAEIS\u201d), our transfer agent subsidiary,\nColumbia Management Investment Services Corp. (\u201cCMIS\u201d), our investment advisory company, Columbia Management Investment Advisers, LLC (\u201cCMIA\u201d), TAM\nUK International Holdings Ltd., which includes Ameriprise International Holdings GmbH within its organizational structure, and Columbia Threadneedle Investments\nUK International Ltd. The payment of dividends by many of our subsidiaries is restricted and certain of our subsidiaries are subject to regulatory capital\nrequirements. For example, RiverSource Life payments in excess of statutory unassigned funds require advanced notice to the Minnesota Department of Commerce\n(\u201cMN DOC\u201d), RiverSource Life\u2019s primary regulator, and are subject to potential disapproval.", "612e8f78-5856-4ac4-9aa7-edfdfe7586c9": "(\u201cAEIS\u201d), our transfer agent subsidiary,\nColumbia Management Investment Services Corp. (\u201cCMIS\u201d), our investment advisory company, Columbia Management Investment Advisers, LLC (\u201cCMIA\u201d), TAM\nUK International Holdings Ltd., which includes Ameriprise International Holdings GmbH within its organizational structure, and Columbia Threadneedle Investments\nUK International Ltd. The payment of dividends by many of our subsidiaries is restricted and certain of our subsidiaries are subject to regulatory capital\nrequirements. For example, RiverSource Life payments in excess of statutory unassigned funds require advanced notice to the Minnesota Department of Commerce\n(\u201cMN DOC\u201d), RiverSource Life\u2019s primary regulator, and are subject to potential disapproval. In addition, dividends and other distributions whose fair market value,\ntogether with that of other dividends or distributions made within the preceding 12 months, exceeds the greater of the previous year\u2019s statutory net gain from\noperations or 10% of the previous year-end statutory capital and surplus are referred to as \u201cextraordinary dividends.\u201d Extraordinary dividends also require advanced\nnotice to MN DOC, and are subject to potential disapproval.\nOur broker-dealer subsidiaries are subject to the Uniform Net Capital Rule (Rule 15c3-1) under the Securities Exchange Act of 1934. Rule 15c3-1 provides an\n\u201calternative net capital requirement\u201d which AEIS and AFS (significant broker dealers) have elected. Regulations require that minimum net capital, as defined, be equal\nto the greater of $250 thousand or 2% of aggregate debit items arising from client balances. The Financial Industry Regulatory Authority (\u201cFINRA\u201d) may impose\ncertain restrictions, such as restricting withdrawals of equity capital, if a member firm were to fall below a certain threshold or fail to meet minimum net capital\nrequirements.\nAmeriprise Bank is subject to regulation by the Office of the Comptroller of the Currency (\u201cOCC\u201d) and the Federal Deposit Insurance Corporation in its role as insurer\nof its deposits. Ameriprise Bank is required to maintain minimum amounts and ratios of Total and Tier 1 capital (as defined in the regulations) to risk-weighted assets\n(as defined), Tier 1 Capital to average assets (as defined), and under rules defined under the Basel III capital framework, Common equity Tier 1 capital (\u201cCEIT\u201d) to\nrisk-weighted assets. Ameriprise Bank calculates these ratios under the Basel III standardized approach in order to assess compliance with both regulatory\nrequirements\n61", "3863c6aa-68ba-43c7-a375-df508e346e0f": "Index\nAmeriprise Financial, Inc.\nand Ameriprise Bank\u2019s internal capital policies. As permitted under the rules of the Basel III capital framework, we have elected to exclude AOCI from the calculation\nof regulatory capital.\nACC is registered as an investment company under the Investment Company Act of 1940 (the \u201c1940 Act\u201d). ACC markets and sells investment certificates to clients.\nACC is subject to various capital requirements under the 1940 Act, laws of the State of Minnesota and understandings with the SEC and the Minnesota Department\nof Commerce. The terms of the investment certificates issued by ACC and the provisions of the 1940 Act also require the maintenance by ACC of qualified assets.\nRequired capital for Columbia Threadneedle Investments UK International Ltd. is predominantly based on the requirements specified by its regulator, the FCA, under\nits Capital Adequacy Requirements for investment firms.\nActual\n \ncapital\n \nand\n \nregulatory\n \ncapital\n \nrequirements\n \nfor\n \nour\n \nwholly\n \nowned\n \nsubsidiaries\n \nsubject\n \nto\n \nregulatory\n \ncapital\n \nrequirements\n \nwere\n \nas\n \nfollows:\n \nActual Capital\nRegulatory \nCapital Requirements\nDecember 31,\nDecember 31,\n2023\n2022\n2023\n2022\n(in millions)\nRiverSource Life \n$\n3,093 \n$\n3,103 \n$\n512 \n$\n571 \nRiverSource Life of NY \n244 \n320 \n40 \n40 \nACC \n765 \n534 \n717 \n496 \nTAM UK International Holdings Ltd.\n706 \n437 \n317 \n214 \nAmeriprise Bank, FSB \n1,715 \n1,542 \n1,153 \n999\nAFS \n101 \n90 \n#\n#\nAmeriprise Captive Insurance Company \n39 \n38 \n11 \n10 \nAmeriprise Trust Company \n62 \n54 \n45 \n38 \nAEIS \n171 \n208 \n29 \n26 \nRiverSource Distributors, Inc. \n13 \n12 \n#\n#\nColumbia Management Investment Distributors, Inc. \n17 \n17 \n#\n#\nColumbia Threadneedle Investments UK International Ltd. \nN/A\n330 \nN/A\n152 \nN/A Not applicable.\n# Amounts are less than $1 million.\n Actual capital is determined on a statutory basis. Regulatory capital requirement is the company action level and is based on the statutory risk-based capital filing.\n Regulatory capital requirement is based on the applicable regulatory requirement, calculated as of December 31, 2023 and 2022.\n Actual capital is determined on an adjusted GAAP basis.\n ACC is required to hold capital in compliance with the Minnesota Department of Commerce and SEC capital requirements.\n Actual capital and regulatory capital requirements are determined in accordance with U.K. regulatory legislation.\n Actual capital and regulatory capital requirements are determined in accordance with rules defined under Basel III capital framework. As permitted, AOCI is excluded from the\ncalculation of regulatory capital.\n In accordance with U.K. regulatory legislation, and on a prospective basis as of December 31, 2023, actual capital and the regulatory capital requirement for TAM UK International\nHoldings Ltd. and Columbia Threadneedle Investments UK International Ltd. are calculated and reported as a single consolidated group under TAM UK International Holdings Ltd..\nIn October 2023, the Federal Reserve Board (\u201cFRB\u201d) issued its final rule establishing a consolidated capital framework termed the \u201cBuilding Block Approach\u201d for\nsavings and loan holding companies like Ameriprise Financial that are significantly engaged in insurance activities. The rule is effective January 1, 2024, with\nreporting to the FRB beginning in 2025.\nIn addition to the particular regulations restricting dividend payments and establishing subsidiary capitalization requirements, we take into account the overall health\nof the business, capital levels and risk management considerations in determining a strategy for payments to our parent holding company from our subsidiaries, and\nin deciding to use cash to make capital contributions to our subsidiaries.\n(1)\n(1)\n(3)(4)\n(5)(7)\n(6)\n(2)(3)\n(2)\n(2)\n(2)(3)\n(2)(3)\n(2)(3)\n(5)(7)\n(1)\n(2)\n(3)\n(4)\n(5)\n(6)\n(7)\n62", "c295c22b-324a-4e3b-bfc7-868d4fca40a2": "Index\nAmeriprise Financial, Inc.\nThe following table presents dividends paid or return of capital to the parent holding company, net of capital contributions made by the parent holding company for\nthe following subsidiaries for the years ended December 31:\n \n2023\n2022\n2021\n(in millions)\nRiverSource Life\n$\n600 \n$\n600 \n$\n1,900 \nAmeriprise Bank\n475 \n(395)\n(142)\nACC\n(131)\n(168)\n109 \nCMIA\n435 \n480 \n510 \nCMIS\n20 \n\u2014 \n\u2014 \nTAM UK International Holdings Ltd.\n184 \n\u2014 \n256 \nAmeriprise Advisor Capital, LLC\n(178)\n78 \n(172)\nAmeriprise Captive Insurance Company\n5 \n\u2014 \n5 \nAMPF Holding, LLC\n1,370 \n1,375 \n1,284 \nAmeriprise India\n13 \n6 \n2 \nRiverSource Distributors, Inc.\n\u2014 \n\u2014 \n(3)\nColumbia Threadneedle Investments UK International Ltd.\n\u2014 \n\u2014 \n(966)\nAmeriprise Holdings, Inc.\n(15)\n\u2014 \n\u2014 \nAmeriprise Asset Management Holdings Singapore Ltd.\n\u2014 \n\u2014 \n(7)\nTotal\n$\n2,778 \n$\n1,976 \n$\n2,776 \nIn 2009, RiverSource Life established an agreement to protect its exposure to Genworth Life Insurance Company (\u201cGLIC\u201d) for its reinsured LTC. In 2016, substantial\nenhancements to this reinsurance protection agreement were finalized. The terms of these confidential provisions within the agreement have been shared, in the\nnormal course of regular reviews, with our domiciliary regulator and rating agencies. GLIC is domiciled in Delaware, so in the event GLIC were subjected to\nrehabilitation or insolvency proceedings, such proceedings would be located in (and governed by) Delaware laws. Delaware courts have a long tradition of\nrespecting commercial and reinsurance affairs, as well as contracts among sophisticated parties. Similar credit protections to what we have with GLIC have been\ntested and respected in Delaware and elsewhere in the United States, and as a result we believe our credit protections would be respected even in the unlikely event\nthat GLIC becomes subject to rehabilitation or insolvency proceedings in Delaware. Accordingly, while no credit protections are perfect, we believe the correct way\nto think about the risks represented by our counterparty credit exposure to GLIC is not the full amount of the gross liability that GLIC reinsures, but a much smaller\nnet exposure to GLIC (if any that might exist after taking into account our credit protections). Thus, management believes that our agreement and offsetting non-LTC\nlegacy arrangements with Genworth will enable RiverSource Life to recover on all net exposure in all material respects in the event of a rehabilitation or insolvency of\nGLIC.\nDividends Paid to Shareholders and Share Repurchases\nWe paid regular quarterly dividends to our shareholders totaling $569 million and $553 million for the years ended December 31, 2023 and 2022, respectively. On\nJanuary 24, 2024, we announced a quarterly dividend of $1.35 per common share. The dividend will be paid on February 27, 2024 to our shareholders of record at the\nclose of business on February 9, 2024.\nIn January 2022, our Board of Directors authorized us to repurchase up to $3.0 billion for the repurchase of our common stock through March 31, 2024, which was\nexhausted in the fourth quarter of 2023. In July 2023, our Board of Directors authorized an additional $3.5 billion for the repurchase of our common stock through\nSeptember 30, 2025. As of December 31, 2023, we had $3.1 billion remaining under this share repurchase authorization. We intend to fund share repurchases through\nexisting working capital, future earnings and other customary financing methods. The share repurchase program does not require the purchase of any minimum\nnumber of shares, and depending on market conditions and other factors, these purchases may be commenced or suspended at any time without prior notice.\nAcquisitions under the share repurchase program may be made in the open market, through privately negotiated transactions or block trades or other means. During\nthe year ended December 31, 2023, we repurchased a total of 5.9 million shares of our common stock at an average price of $330.94 per share.", "517cfd3b-efce-494d-ab42-78883b01f81e": "In July 2023, our Board of Directors authorized an additional $3.5 billion for the repurchase of our common stock through\nSeptember 30, 2025. As of December 31, 2023, we had $3.1 billion remaining under this share repurchase authorization. We intend to fund share repurchases through\nexisting working capital, future earnings and other customary financing methods. The share repurchase program does not require the purchase of any minimum\nnumber of shares, and depending on market conditions and other factors, these purchases may be commenced or suspended at any time without prior notice.\nAcquisitions under the share repurchase program may be made in the open market, through privately negotiated transactions or block trades or other means. During\nthe year ended December 31, 2023, we repurchased a total of 5.9 million shares of our common stock at an average price of $330.94 per share.\nCash Flows\nCash flows of CIEs and restricted and segregated cash and cash equivalents are reflected in our cash flows provided by (used in) operating activities, investing\nactivities and financing activities. Cash held by CIEs is not available for general use by Ameriprise Financial, nor is Ameriprise Financial cash available for general\nuse by its CIEs. Cash and cash equivalents segregated under federal and other regulations is held for the exclusive benefit of our brokerage customers and is not\navailable for general use by Ameriprise Financial.\n63", "89fbc34d-c71f-49d3-aa23-8a3a127bc91e": "Index\nAmeriprise Financial, Inc.\nOperating Activities\nNet cash provided by operating activities increased $278 million to $4.7 billion for the year ended December 31, 2023 compared to $4.4 billion for the prior year\nprimarily reflecting higher investment income on fixed maturity securities, partially offset by higher income taxes paid and higher cash outflows in brokerage deposits.\nThe higher investment income is driven by higher yields and the growth in Ameriprise Bank customer deposits and certificate business growth.\nInvesting Activities\nOur investing activities primarily relate to our Available-for-Sale investment portfolio and in recent quarters is significantly affected by the net flows of our face\namount certificates and bank deposit activity.\nNet cash used in investing activities decreased $4.3 billion to $9.3 billion for the year ended December 31, 2023 compared to $13.6 billion for the prior year primarily\nreflecting a $2.3 billion decrease in purchases of Available-for-Sale securities and a $1.6 billion increase in proceeds from maturities, sinking fund payments and calls\nof Available-for-Sale securities.\nFinancing Activities\nNet cash provided by financing activities decreased $4.0 billion to $4.4 billion for the year ended December 31, 2023 compared to $8.4 billion for the prior year\nprimarily reflecting a $3.7 billion decrease in the change in banking deposits, net.\nForward-Looking Statements\nThis report contains forward-looking statements that reflect management\u2019s plans, estimates and beliefs. Actual results could differ materially from those described in\nthese forward-looking statements. Examples of such forward-looking statements include: \n\u2022\nstatements of the Company\u2019s plans, intentions, positioning, expectations, objectives or goals, including those relating to asset flows, mass affluent and affluent\nclient acquisition strategy, client retention and growth of our client base, financial advisor productivity, retention, recruiting and enrollments, the introduction,\ncessation, terms or pricing of new or existing products and services, acquisition integration, benefits and claims expenses, general and administrative costs,\nconsolidated tax rate, return of capital to shareholders, debt repayment and excess capital position and financial flexibility to capture additional growth\nopportunities;\n\u2022\nstatements about the expected trend in the shift to lower-risk products, including the exit from variable annuities with living benefit riders;\n\u2022\nstatements about the strategic and regulatory outcome from the withdrawal of our application to convert Ameriprise Bank to a state-chartered bank and national\ntrust bank;\n\u2022\nstatements about the anticipated deposit growth or statements about rising interest rates and the impacts on investment portfolio yield;\n\u2022\nother statements about future economic performance, the performance of equity markets and interest rate variations and the economic performance of the United\nStates and of global markets; and\n\u2022\nstatements of assumptions underlying such statements.\nThe words \u201cbelieve,\u201d \u201cexpect,\u201d \u201canticipate,\u201d \u201coptimistic,\u201d \u201cintend,\u201d \u201cplan,\u201d \u201caim,\u201d \u201cwill,\u201d \u201cmay,\u201d \u201cshould,\u201d \u201ccould,\u201d \u201cwould,\u201d \u201clikely,\u201d \u201cforecast,\u201d \u201con track,\u201d\n\u201cproject,\u201d \u201ccontinue,\u201d \u201cable to remain,\u201d \u201cresume,\u201d \u201cdeliver,\u201d \u201cdevelop,\u201d \u201cevolve,\u201d \u201cdrive,\u201d \u201cenable,\u201d \u201cflexibility,\u201d \u201cscenario,\u201d \u201ccase\u201d, \u201cappear\u201d, \u201cexpand\u201d and similar\nexpressions are intended to identify forward-looking statements but are not the exclusive means of identifying such statements. Forward-looking statements are\nsubject to risks and uncertainties, which could cause actual results to differ materially from such statements.\nSuch factors include, but are not limited to:\n\u2022\nmarket fluctuations and general economic and political factors, including volatility in the U.S. and global market conditions, client behavior and volatility in the\nmarkets for our products;\n\u2022\nchanges in interest rates;\n\u2022\nadverse capital and credit market conditions or any downgrade in our credit ratings;\n\u2022\neffects of competition and our larger competitors\u2019 economies of scale;\n\u2022\ndeclines in our investment management performance;\n\u2022\nour ability to compete in attracting and retaining talent, including financial advisors;\n\u2022\nimpairment, negative performance or default by financial institutions or other counterparties;\n\u2022\nthe ability to maintain our unaffiliated third-party distribution channels and the impacts of sales of unaffiliated products;\n\u2022\nchanges in valuation of securities and investments included in our assets;\n\u2022\nthe determination of the amount of allowances taken on loans and investments;\n\u2022\nthe illiquidity of some of our investments;\n\u2022\nfailures by other insurers that lead to higher assessments we owe to state insurance guaranty funds;\n\u2022\nfailures or defaults by counterparties to our reinsurance arrangements;\n64", "b2b83b57-4157-41a5-9997-6ca419531450": "Index\nAmeriprise Financial, Inc.\n\u2022\ninadequate reserves for future policy benefits and claims or for future redemptions and maturities;\n\u2022\ndeviations from our assumptions regarding morbidity, mortality and persistency affecting our insurance profitability;\n\u2022\ndamage to our reputation arising from employee or advisor misconduct or otherwise;\n\u2022\ndirect or indirect effects of or responses to climate change;\n\u2022\ninterruptions or other failures in our operating systems and networks, including errors or failures caused by third-party service providers, interference or third-\nparty attacks;\n\u2022\ninterruptions or other errors in our telecommunications or data processing systems;\n\u2022 identification and mitigation of risk exposure in market environments, new products, vendors and other types of risk;\n\u2022 ability of our subsidiaries to transfer funds to us to pay dividends;\n\u2022 changes in exchange rates and other risks in connection with our international operations and earnings and income generated overseas;\n\u2022 occurrence of natural or man-made disasters and catastrophes;\n\u2022 risks in acquisition transactions, or other potential strategic acquisitions or divestitures;\n\u2022 legal and regulatory actions brought against us;\n\u2022 changes to laws and regulations that govern operation of our business;\n\u2022 supervision by bank regulators and related regulatory and prudential standards as a savings and loan holding company that may limit our activities and\nstrategies;\n\u2022 changes in corporate tax laws and regulations and interpretations and determinations of tax laws impacting our products;\n\u2022 protection of our intellectual property and claims we infringe the intellectual property of others; and\n\u2022\nchanges in and the adoption of new accounting standards.\nManagement cautions the reader that the foregoing list of factors is not exhaustive. There may also be other risks that management is unable to predict at this time\nthat may cause actual results to differ materially from those in forward-looking statements. Readers are cautioned not to place undue reliance on these forward-\nlooking statements, which speak only as of the date on which they are made. Management undertakes no obligation to update publicly or revise any forward-looking\nstatements. The foregoing list of factors should be read in conjunction with the \u201cRisk Factors\u201d discussion included in Item 1A of this Annual Report on Form 10-K -\n\u201cRisk Factors\u201d.\nAmeriprise Financial announces financial and other information to investors through the Company\u2019s investor relations website at ir.ameriprise.com, as well as SEC\nfilings, press releases, public conference calls and webcasts. Investors and others interested in the company are encouraged to visit the investor relations website\nfrom time to time, as information is updated and new information is posted. The website also allows users to sign up for automatic notifications in the event new\nmaterials are posted. The information found on the website is not incorporated by reference into this report or in any other report or document the Company\nfurnishes or files with the SEC.\nItem 7A. \nQuantitative and Qualitative Disclosures About Market Risk\nMarket Risk\nOur primary market risk exposures are interest rate, equity price, foreign currency exchange rate and credit risk. Equity price and interest rate fluctuations can have a\nsignificant impact on our results of operations, primarily due to the effects they have on the asset management and other asset-based fees we earn, the spread income\ngenerated on our brokerage client cash balances, banking deposits, face-amount certificate products, fixed portion of our variable annuities and variable insurance\ncontracts, fixed annuity and insurance contracts, the value of market risk benefits and other liabilities associated with our variable annuities and the value of\nderivatives held to hedge related benefits.\nMarket risk benefits continue to be managed by utilizing a hedging program which attempts to match the sensitivity of the assets with the sensitivity of the benefits.\nThis approach works with the premise that matched sensitivities will produce a highly effective hedging result. Our comprehensive hedging program focuses mainly\non first order sensitivities of assets and liabilities: Equity Market Level (Delta), Interest Rate Level (Rho) and Volatility (Vega). Additionally, various second order\nsensitivities are managed. We use various options, swaptions, swaps and futures to manage risk exposures. The exposures are measured and monitored daily, and\nadjustments to the hedge portfolio are made as necessary.\nTo evaluate interest rate and equity price risk we perform sensitivity testing which measures the impact on pretax income from the sources listed below for a 12-month\nperiod following a hypothetical 100 basis point increase in interest rates or a hypothetical 10% decline in equity prices. The interest rate risk test assumes a sudden\n100 basis point parallel shift in the yield curve, with rates then staying at those levels for the next 12 months.", "9bf76b67-e3c9-4ccc-83d0-8537684fa504": "Our comprehensive hedging program focuses mainly\non first order sensitivities of assets and liabilities: Equity Market Level (Delta), Interest Rate Level (Rho) and Volatility (Vega). Additionally, various second order\nsensitivities are managed. We use various options, swaptions, swaps and futures to manage risk exposures. The exposures are measured and monitored daily, and\nadjustments to the hedge portfolio are made as necessary.\nTo evaluate interest rate and equity price risk we perform sensitivity testing which measures the impact on pretax income from the sources listed below for a 12-month\nperiod following a hypothetical 100 basis point increase in interest rates or a hypothetical 10% decline in equity prices. The interest rate risk test assumes a sudden\n100 basis point parallel shift in the yield curve, with rates then staying at those levels for the next 12 months. The equity price risk test assumes a sudden 10% drop in\nequity prices, with equity prices then staying at those levels for the next 12 months. In estimating the values of variable annuities, indexed annuities, stock market\ncertificates, indexed universal life (\u201cIUL\u201d) insurance and the associated hedging instruments, we assume no change in implied market volatility despite the 10% drop\nin equity prices.\n65", "1fd8c80e-b6d1-42f4-aca7-464dc32be309": "Index\nAmeriprise Financial, Inc.\nThe following tables present our estimate of the impact on pretax income from the above defined hypothetical market movements as of December 31, 2023 and 2022:\nDecember 31, 2023\nEquity Price Decline 10%\nEquity Price Exposure to Pretax Income\nBefore Hedge Impact\nHedge Impact\nNet Impact\n \n(in millions)\nAsset-based management and distribution fees \n$\n(321)\n$\n2 \n$\n(319)\nVariable annuity and structured variable annuity benefits:\n \nMarket risk benefits\n(1,049)\n756 \n(293)\nIndexing feature for structured variable annuities\n793 \n(513)\n280 \nTotal variable annuity and structured variable annuity benefits\n(256)\n243 \n(13)\nIUL insurance\n52 \n(52)\n\u2014 \nTotal\n$\n(525)\n$\n193 \n$\n(332)\nInterest Rate Increase 100 Basis Points\nInterest Rate Exposure to Pretax Income\nBefore Hedge Impact\nHedge Impact\nNet Impact\n \n(in millions)\nAsset-based management and distribution fees \n$\n(60)\n$\n\u2014 \n$\n(60)\nVariable annuity and structured variable annuity benefits:\n \nMarket risk benefits\n1,404 \n(1,056)\n348 \nIndexing feature for structured variable annuities\n6 \n127 \n133 \nTotal variable annuity and structured variable annuity benefits\n1,410 \n(929)\n481 \nFixed annuities, fixed insurance and fixed portion of variable annuities and variable insurance\nproducts\n43 \n\u2014 \n43 \nBanking deposits\n27 \n\u2014 \n27 \nBrokerage client cash balances\n53 \n\u2014 \n53 \nCertificates\n2 \n\u2014 \n2 \nIUL insurance\n14 \n1 \n15 \nTotal\n$\n1,489 \n$\n(928)\n$\n561 \nDecember 31, 2022\nEquity Price Decline 10%\nEquity Price Exposure to Pretax Income\nBefore Hedge Impact\nHedge Impact\nNet Impact\n \n(in millions)\nAsset-based management and distribution fees \n$\n(285)\n$\n2 \n$\n(283)\nVariable annuity and structured variable annuity benefits:\n \nMarket risk benefits\n(870)\n648 \n(222)\nIndexing feature for structured variable annuities\n494 \n(291)\n203 \nTotal variable annuity and structured variable annuity benefits\n(376)\n357 \n(19)\nCertificates\n1 \n(1)\n\u2014 \nIUL insurance\n39 \n(21)\n18 \nTotal\n$\n(621)\n$\n337 \n$\n(284)\n(1)\n(2)\n(1)\n(1)\n(2)\n66", "4a00f8b1-c64f-454f-8433-71c1a37e08ef": "Index\nAmeriprise Financial, Inc.\nInterest Rate Increase 100 Basis Points\nInterest Rate Exposure to Pretax Income\nBefore Hedge Impact\nHedge Impact\nNet Impact\n \n(in millions)\nAsset-based management and distribution fees \n$\n(53)\n$\n\u2014 \n$\n(53)\nVariable annuity and structured variable annuity benefits:\n \nMarket risk benefits\n1,484 \n(1,028)\n456 \nIndexing feature for structured variable annuities\n(29)\n82 \n53 \nTotal variable annuity and structured variable annuity benefits\n1,455 \n(946)\n509 \nFixed annuities, fixed insurance and fixed portion of variable annuities and variable insurance\nproducts\n25 \n\u2014 \n25 \nBanking deposits\n28 \n\u2014 \n28 \nBrokerage client cash balances\n146 \n\u2014 \n146 \nCertificates\n(9)\n\u2014 \n(9)\nIUL insurance\n12 \n1 \n13 \nTotal\n$\n1,604 \n$\n(945)\n$\n659 \n Excludes incentive income which is impacted by market and fund performance during the period and cannot be readily estimated.\n Represents the net impact to pretax income. The estimated net impact to pretax adjusted operating income is $(319) million as of December 31, 2023 and $(283) million as of\nDecember 31, 2022, respectively.\nNet impacts shown in the above tables from market risk benefits result largely from differences between the liability valuation basis and the hedging basis. Liabilities\nare valued using fair value accounting principles, with risk margins incorporated in contractholder behavior assumptions. Our hedging is based on our determination\nof economic risk, which excludes certain items in the liability valuation.\nActual results could and likely will differ materially from those illustrated above as fair values have a number of estimates and assumptions. For example, the\nillustration above includes assuming that implied market volatility does not change when equity prices fall by 10% and that the 100 basis point increase in interest\nrates is a parallel shift of the yield curve. Furthermore, we have not tried to anticipate changes in client preferences for different types of assets or other changes in\nclient behavior, nor have we tried to anticipate all strategic actions management might take to increase revenues or reduce expenses in these scenarios.\nThe selection of a 100 basis point interest rate increase as well as a 10% equity price decline should not be construed as a prediction of future market events. Impacts\nof larger or smaller changes in interest rates or equity prices may not be proportional to those shown for a 100 basis point increase in interest rates or a 10% decline in\nequity prices.\nAsset-Based Management and Distribution Fees\nWe earn asset-based management fees and distribution fees on our assets under management. As of December 31, 2023, the value of our assets under management\nwas $1.1 trillion. These sources of revenue are subject to both interest rate and equity price risk since the value of these assets and the fees they earn fluctuate\ninversely with interest rates and directly with equity prices. We currently only hedge certain equity price risk for this exposure, primarily using futures and swaps. We\ncurrently do not hedge any of the interest rate risk for this exposure.\nMarket Risk Benefits\nThe total contract value of all variable annuities as of December 31, 2023 was $80.8 billion. See Note 13 for details of the reserves associated with market risk benefits.\nThe changes in fair value of variable annuity market risk benefits are recorded through earnings, with the exception of the portion of the change in fair value due to a\nchange in our nonperformance risk, which is recognized in other comprehensive income (loss). Fair value is calculated based on projected, discounted cash flows\nover the life of the contract, including projected, discounted benefits and fees.\nEquity Price Risk \nThe variable annuity guaranteed benefits guarantee payouts to the annuity holder under certain specific conditions regardless of the performance of the investment\nassets. For this reason, when equity prices decline, the returns from the separate account assets coupled with guaranteed benefit fees from annuity holders may not\nbe sufficient to fund expected payouts. In that case, reserves must be increased with a negative impact to earnings.\nThe core derivative instruments with which we hedge the equity price risk of these benefits are longer dated put and call options; these core instruments are\nsupplemented with equity futures and total return swaps. See Note 18 to our Consolidated Financial Statements for further information on our derivative instruments.\n(1)\n(1)\n(2)\n67", "606b82a5-ff99-4535-9c83-9a562aaf1c9f": "Index\nAmeriprise Financial, Inc.\nInterest Rate Risk\nIncreases in interest rates reduce the fair value of the liabilities and may result in market risk benefits in an asset position. The interest rate exposure is hedged with a\nportfolio of interest rate swaps, futures and swaptions. We have entered into interest rate swaps according to risk exposures along maturities, thus creating both\nfixed rate payor and variable rate payor terms. If interest rates were to increase, we would have to pay more to the swap counterparty, and the fair value of our equity\nputs would decrease, resulting in a negative impact to our pretax income.\nStructured Variable Annuities\nStructured variable annuities offer the contractholder the ability to allocate account value to either an account that earns fixed interest (fixed account) or an account\nthat is impacted by the performance of various equity indices (indexed account) subject to a cap, floor or buffer. Our earnings are based upon the spread between\ninvestment income earned and the credits made to the fixed account and benefits reflected in an indexed account of the structured variable annuities. As of December\n31, 2023, we had $10.7 billion in liabilities related to structured variable annuities.\nEquity Price Risk\nThe equity-linked return to contractholders creates equity price risk as the amount paid to contractholders depends on changes in equity prices. The equity price risk\nfor structured variable annuities is evaluated together with the variable annuity riders as part of a hedge program using the derivative instruments consistent with our\nhedging on variable annuity riders.\nInterest Rate Risk\nThe fair value of the embedded derivative associated with structured variable annuities is based on a discounted cash flow approach. \nChanges in interest rates\nimpact the discounting of the embedded derivative liability. The spread between the investment income earned and amounts transferred to contractholders is also\naffected by changes in interest rates. These interest rate risks associated with structured variable annuities are not currently hedged.\nFixed Annuities, Fixed Insurance and Fixed Portion of Variable Annuities and Variable Insurance Contracts\nOur earnings from fixed deferred annuities, fixed insurance, and the fixed portion of variable annuities and variable insurance contracts are based upon the spread\nbetween rates earned on assets held and the rates at which interest is credited to accounts. We primarily invest in fixed rate securities to fund the rate credited to\nclients. We guarantee an interest rate to the holders of these products. Investment assets and client liabilities generally differ as it relates to basis, repricing or\nmaturity characteristics. Rates credited to clients\u2019 accounts generally reset at shorter intervals than the yield on the underlying investments. Therefore, in an\nincreasing interest rate environment, higher interest rates may be reflected in crediting rates to clients sooner than in rates earned on invested assets, which could\nresult in a reduced spread between the two rates, reduced earned income and a negative impact on pretax income. While interest rates under the current environment\nhave relieved some pressure from the liability guaranteed minimum interest rates (\u201cGMIRs\u201d), there are still some GMIRs above current levels. Hence, liability credited\nrates will move more slowly under a modest rise in interest rates while projected asset purchases would capture the full increase in interest rates. This dynamic would\nresult in widening spreads under a modestly rising rate scenario given the current relationship between the current level of interest rates and the underlying GMIRs\non the business. Of the $37.5 billion in Policyholder account balances, future policy benefits and claims as of December 31, 2023, $16.9 billion is related to liabilities\ncreated by these products. We do not hedge this exposure.\nAs a result of the current market environment, reinvestment yields are becoming more aligned with the current portfolio yield. We would expect the recent decline in\nour portfolio income yields to slow and begin to stabilize in future periods under the current environment. The carrying value and weighted average yield of non-\nstructured fixed maturity securities and commercial mortgage loans that may generate proceeds to reinvest through 2025 due to prepayment, maturity or call activity\nat the option of the issuer, excluding securities with a make-whole provision, were $5.6 billion and 4.9%, respectively, as of December 31, 2023. In addition, residential\nmortgage backed securities, which can be subject to prepayment risk under a low interest rate environment, totaled $21.1 billion and had a weighted average yield of\n4.4% as of December 31, 2023.", "5dd4b6a7-8433-4dda-9aee-142f28f37982": "We do not hedge this exposure.\nAs a result of the current market environment, reinvestment yields are becoming more aligned with the current portfolio yield. We would expect the recent decline in\nour portfolio income yields to slow and begin to stabilize in future periods under the current environment. The carrying value and weighted average yield of non-\nstructured fixed maturity securities and commercial mortgage loans that may generate proceeds to reinvest through 2025 due to prepayment, maturity or call activity\nat the option of the issuer, excluding securities with a make-whole provision, were $5.6 billion and 4.9%, respectively, as of December 31, 2023. In addition, residential\nmortgage backed securities, which can be subject to prepayment risk under a low interest rate environment, totaled $21.1 billion and had a weighted average yield of\n4.4% as of December 31, 2023. While these amounts represent investments that could be subject to reinvestment risk, it is also possible that these investments will be\nused to fund liabilities or may not be prepaid and will remain invested at their current yields. In addition to the interest rate environment, the mix of benefit payments\nversus product sales as well as the timing and volumes associated with such mix may impact our investment yield. Furthermore, reinvestment activities and the\nassociated investment yield may also be impacted by corporate strategies implemented at management\u2019s discretion. The average yield for investment purchases\nduring the year ended December 31, 2023 was approximately 5.8%.\nThe reinvestment of proceeds from maturities, calls and prepayments at rates near the current portfolio yield will have a limited impact to future operating results. In\nthis volatile rate environment, we assess reinvestment risk in our investment portfolio and monitor this risk in accordance with our asset/liability management\nframework. In addition, we may update the crediting rates on our fixed products when warranted, subject to guaranteed minimums.\n68", "ebd4d084-20bd-402e-8447-160d0f5143ea": "Index\nAmeriprise Financial, Inc.\nSee Note 11 for more information on the account values of fixed deferred annuities, fixed insurance, and the fixed portion of variable annuities and variable insurance\ncontracts by range of GMIRs and the range of the difference between rates credited to policyholders and contractholders as of December 31, 2023 and 2022 and the\nrespective guaranteed minimums, as well as the percentage of account values subject to rate reset in the time period indicated.\nBanking Deposits and Brokerage Client Cash Balances\nWe pay interest on banking deposits and certain brokerage client cash balances and have the ability to reset these rates from time to time based on prevailing\neconomic and business conditions. We earn revenue to fund the interest paid from interest-earning assets or fees from off-balance sheet deposits at Federal Deposit\nInsurance Corporation insured institutions, which are indexed to short-term interest rates. In general, the change in interest paid lags the change in revenues earned.\nCertificate Products\nFixed Rate Certificates\nWe have interest rate risk from our investment certificates generally ranging in amounts from $1 thousand to $2 million with interest crediting rate terms ranging from\n3 to 36 months. We guarantee an interest rate to the holders of these products. Payments collected from clients are primarily invested in fixed income securities to\nfund the client credited rate with the spread between the rate earned from investments and the rate credited to clients recorded as earned income. Client liabilities and\ninvestment assets generally differ as it relates to basis, repricing or maturity characteristics. Rates credited to clients generally reset at shorter intervals than the yield\non underlying investments. This exposure is not currently hedged although we monitor our investment strategy and make modifications based on our changing\nliabilities and the expected interest rate environment. Of the $37.3 billion in customer deposits as of December 31, 2023, $13.3 billion related to reserves for our fixed\nrate certificate products.\nIndexed Universal Life\nIUL insurance is similar to UL in many regards, although the rate of credited interest above the minimum guarantee for funds allocated to an indexed account is linked\nto the performance of the specified index for the indexed account (subject to stated account parameters, which include a cap and floor, or a spread and floor). The\npolicyholder may allocate all or a portion of the policy value to a fixed or any available indexed account. As of December 31, 2023, we had $2.7 billion in liabilities\nrelated to the indexed accounts of IUL.\nEquity Price Risk \nThe equity-linked return to investors creates equity price risk as the amount credited depends on changes in equity prices. Most of the proceeds received from IUL\ninsurance are invested in fixed income securities. To hedge the equity exposure, a portion of the investment earnings received from the fixed income securities is used\nto purchase call spreads which generate returns to replicate what we must credit to client accounts.\nInterest Rate Risk \nAs mentioned above, most of the proceeds received from IUL insurance are invested in fixed income securities with the return on those investments intended to fund\nthe purchase of call spreads and options. There are two risks relating to interest rates. First, we have the risk that investment returns are such that we do not have\nenough investment income to purchase the needed call spreads. Second, in the event the policy is surrendered we pay out a book value surrender amount and there\nis a risk that we will incur a loss upon having to sell the fixed income securities backing the liability (if interest rates have risen). This risk is not currently hedged.\nForeign Currency Risk\nWe have foreign currency risk through our net investment in foreign subsidiaries and our operations in foreign countries. We are primarily exposed to changes in\nBritish Pounds related to our net investment in Threadneedle, which was approximately \u00a31.3 billion as of December 31, 2023. We also have exposure related to\noperations in foreign countries to Euros, Indian Rupees and other currencies. We monitor the foreign exchange rates that we have exposure to and enter into foreign\ncurrency forward contracts to mitigate risk when economically prudent. As of December 31, 2023, the notional value of outstanding contracts and our remaining\nforeign currency risk related to operations in foreign countries were not material.\nInterest Rate Risk on External Debt\nThe stated interest rates on our $3.4 billion of senior unsecured notes are fixed.\nCredit Risk\nWe are exposed to credit risk within our investment portfolio, including our loan portfolio, and through our derivative and reinsurance activities. Credit risk relates to\nthe uncertainty of an obligor\u2019s continued ability to make timely payments in accordance with the contractual terms of the financial instrument or contract.", "7167f183-375b-4f85-9441-b042b647e82d": "We also have exposure related to\noperations in foreign countries to Euros, Indian Rupees and other currencies. We monitor the foreign exchange rates that we have exposure to and enter into foreign\ncurrency forward contracts to mitigate risk when economically prudent. As of December 31, 2023, the notional value of outstanding contracts and our remaining\nforeign currency risk related to operations in foreign countries were not material.\nInterest Rate Risk on External Debt\nThe stated interest rates on our $3.4 billion of senior unsecured notes are fixed.\nCredit Risk\nWe are exposed to credit risk within our investment portfolio, including our loan portfolio, and through our derivative and reinsurance activities. Credit risk relates to\nthe uncertainty of an obligor\u2019s continued ability to make timely payments in accordance with the contractual terms of the financial instrument or contract. We\nconsider our total potential credit exposure to each counterparty and its affiliates to ensure compliance with pre-established credit guidelines at the time we enter into\na transaction which would potentially increase our credit risk. These guidelines and oversight of credit risk are managed through a comprehensive enterprise risk\nmanagement program that includes members of senior management.\n69", "e34e0205-0d4d-4c9a-ac37-9f409d285fbf": "Index\nAmeriprise Financial, Inc.\nWe manage the risk of credit-related losses in the event of nonperformance by counterparties by applying disciplined fundamental credit analysis and underwriting\nstandards, prudently limiting exposures to lower-quality, higher-yielding investments, and diversifying exposures by issuer, industry, region and underlying\ninvestment type. We remain exposed to occasional adverse cyclical economic downturns during which default rates may be significantly higher than the long-term\nhistorical average used in pricing.\nWe manage our credit risk related to over-the-counter derivatives by entering into transactions with creditworthy counterparties, maintaining collateral arrangements\nand through the use of master netting arrangements that provide for a single net payment to be made by one counterparty to another at each due date and upon\ntermination. Generally, our current credit exposure on over-the-counter derivative contracts is limited to a derivative counterparty\u2019s net positive fair value of\nderivative contracts after taking into consideration the existence of netting arrangements and any collateral received. This exposure is monitored and managed to an\nacceptable threshold level.\nThe counterparty risk for centrally cleared over-the-counter derivatives is transferred to a central clearing party through contract novation. The central clearing party\nrequires both daily settlement of mark-to-market and initial margin. Because the central clearing party monitors open positions and adjusts collateral requirements\ndaily, we have minimal credit exposure from such derivative instruments.\nExchange-traded derivatives are effected through regulated exchanges that require contract standardization and initial margin to transact through the exchange.\nBecause exchange-traded futures are marked to market and generally cash settled on a daily basis, we have minimal exposure to credit-related losses in the event of\nnonperformance by counterparties to such derivative instruments. Other exchange-traded derivatives would be exposed to nonperformance by counterparties for\namounts in excess of initial margin requirements only if the exchange is unable to fulfill the contract.\nWe manage our credit risk related to reinsurance treaties by evaluating the financial condition of reinsurance counterparties prior to entering into new reinsurance\ntreaties. In addition, we regularly evaluate their financial strength during the terms of the treaties. As of December 31, 2023, our largest reinsurance credit risks are\nrelated to coinsurance treaties with Global Atlantic Financial Group\u2019s subsidiary Commonwealth Annuity and Life Insurance Company and with life insurance\nsubsidiaries of Genworth Financial, Inc. See Note 7 and Note 8 to our Consolidated Financial Statements for additional information on reinsurance.\n70", "fc5c21a0-3421-43eb-b104-de0340060ca9": "Index\nAmeriprise Financial, Inc.\nItem 8. \nFinancial Statements and Supplementary Data\nConsolidated Financial Statements:\nReport of Independent Registered Public Accounting Firm\n \n(PCAOB Firm ID \n238\n)\n72\nConsolidated Statements of Operations \u2014 Years ended December 31, 2023, 2022 and 2021\n75\nConsolidated Statements of Comprehensive Income \u2014 Years ended December 31, 2023, 2022 and 2021\n76\nConsolidated Balance Sheets \u2014 December 31, 2023 and 2022\n77\nConsolidated Statements of Equity \u2014 Years ended December 31, 2023, 2022 and 2021\n78\nConsolidated Statements of Cash Flows \u2014 Years ended December 31, 2023, 2022 and 2021\n79\nNotes to Consolidated Financial Statements\n81\n1.\nBasis of Presentation\n81\n2.\nSummary of Significant Accounting Policies\n81\n3.\nRecent Accounting Pronouncements\n90\n4.\nRevenue from Contracts with Customers\n93\n5.\nVariable Interest Entities\n97\n6.\nInvestments\n102\n7.\nFinancing Receivables\n106\n8.\nReinsurance\n110\n9.\nGoodwill and Other Intangible Assets\n111\n10.\nDeferred Acquisition Costs and Deferred Sales Inducement Costs\n112\n11.\nPolicyholder Account Balances, Future Policy Benefits and Claims\n114\n12.\nSeparate Account Assets and Liabilities\n126\n13.\nMarket Risk Benefits\n127\n14.\nCustomer Deposits\n131\n15.\nDebt\n131\n16.\nFair Values of Assets and Liabilities\n132\n17.\nOffsetting Assets and Liabilities\n142\n18.\nDerivatives and Hedging Activities\n144\n19.\nLeases\n148\n20.\nShare-Based Compensation\n149\n21.\nShareholders\u2019 Equity\n153\n22.\nEarnings per Share\n156\n23.\nRegulatory Requirements\n156\n24.\nIncome Taxes\n158\n25.\nRetirement Plans and Profit Sharing Arrangements\n160\n26.\nCommitments\n and Contingencies\n164\n27.\nRelated Party Transactions\n165\n28.\nSegment Information\n166\n29.\nQuarterly Financial Data (Unaudited)\n169\n71", "c5a6a650-54b7-4d61-a56b-0ecc3ad446bf": "Index\nReport of Independent Registered Public Accounting Firm\nTo the Board of Directors and Shareholders of Ameriprise Financial, Inc.\nOpinions on the Financial Statements and Internal Control over Financial Reporting\nWe have audited the accompanying consolidated balance sheets of Ameriprise Financial, Inc. and its subsidiaries (the \u201cCompany\u201d) as of December 31, 2023 and\n2022, and the related consolidated statements of operations, of comprehensive income, of equity and of cash flows for each of the three years in the period ended\nDecember 31, 2023, including the related notes and financial statement schedule listed in the index appearing under Item 15(a)(2) (collectively referred to as the\n\u201cconsolidated financial statements\u201d). We also have audited the Company's internal control over financial reporting as of December 31, 2023, based on criteria\nestablished in Internal Control - Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO).\nIn our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of the Company as of December 31,\n2023 and 2022, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2023 in conformity with accounting\nprinciples generally accepted in the United States of America. Also in our opinion, the Company maintained, in all material respects, effective internal control over\nfinancial reporting as of December 31, 2023, based on criteria established in Internal Control - Integrated Framework (2013) issued by the COSO.\nChange in Accounting Principle\nAs discussed in Note 3 to the consolidated financial statements, the Company changed the manner in which it accounts for long-duration insurance contracts in\n2023.\nBasis for Opinions\nThe Company's management is responsible for these consolidated financial statements, for maintaining effective internal control over financial reporting, and for its\nassessment of the effectiveness of internal control over financial reporting, included in Management\u2019s Report on Internal Control Over Financial Reporting appearing\nunder Item 9A. Our responsibility is to express opinions on the Company\u2019s consolidated financial statements and on the Company's internal control over financial\nreporting based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB) and are\nrequired to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities\nand Exchange Commission and the PCAOB.\nWe conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audits to obtain reasonable\nassurance about whether the consolidated financial statements are free of material misstatement, whether due to error or fraud, and whether effective internal control\nover financial reporting was maintained in all material respects.\nOur audits of the consolidated financial statements included performing procedures to assess the risks of material misstatement of the consolidated financial\nstatements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidence\nregarding the amounts and disclosures in the consolidated financial statements. Our audits also included evaluating the accounting principles used and significant\nestimates made by management, as well as evaluating the overall presentation of the consolidated financial statements. Our audit of internal control over financial\nreporting included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing and\nevaluating the design and operating effectiveness of internal control based on the assessed risk. Our audits also included performing such other procedures as we\nconsidered necessary in the circumstances. We believe that our audits provide a reasonable basis for our opinions.\nDefinition and Limitations of Internal Control over Financial Reporting\nA company\u2019s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the\npreparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company\u2019s internal control over financial\nreporting includes those policies and procedures that (i) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions\nand dispositions of the assets of the company; (ii) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial\nstatements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with\nauthorizations of management and directors of the company; and (iii) provide reasonable assurance regarding prevention or timely detection of unauthorized\nacquisition, use, or disposition of the company\u2019s assets that could have a material effect on the financial statements.", "598265e1-b984-4679-b7f8-526bf103e3cc": "Definition and Limitations of Internal Control over Financial Reporting\nA company\u2019s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the\npreparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company\u2019s internal control over financial\nreporting includes those policies and procedures that (i) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions\nand dispositions of the assets of the company; (ii) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial\nstatements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with\nauthorizations of management and directors of the company; and (iii) provide reasonable assurance regarding prevention or timely detection of unauthorized\nacquisition, use, or disposition of the company\u2019s assets that could have a material effect on the financial statements.\nBecause of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of\neffectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with\nthe policies or procedures may deteriorate.\n 72", "db6281ce-00a1-4d41-b1de-2f45d056a16b": "Index\nCritical Audit Matters\nThe critical audit matters communicated below are matters arising from the current period audit of the consolidated financial statements that were communicated or\nrequired to be communicated to the audit committee and that (i) relate to accounts or disclosures that are material to the consolidated financial statements and (ii)\ninvolved our especially challenging, subjective, or complex judgments. The communication of critical audit matters does not alter in any way our opinion on the\nconsolidated financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, providing separate opinions on the critical\naudit matters or on the accounts or disclosures to which they relate.\nValuation of market risk benefits\nAs described in Notes 2 and 13 to the consolidated financial statements, market risk benefits are contracts or contract features that both provide protection to the\ncontractholder from other-than-nominal capital market risk and expose the Company to other-than-nominal capital market risk. Market risk benefits include certain\ncontract features on variable annuity products that provide minimum guarantees to contractholders. Market risk benefits are measured at fair value, at the individual\ncontract level, using a non-option-based valuation approach or an option-based valuation approach, dependent upon the fee structure of the contract. The\nsignificant assumptions used by management to develop the fair value measurements of market risk benefits include utilization of guaranteed withdrawals, surrender\nrate, market volatility, nonperformance risk and mortality rate. As of December 31, 2023, the market risk benefits asset was $1,427 million and the market risk benefits\nliability was $1,762 million.\nThe principal considerations for our determination that performing procedures relating to the valuation of market risk benefits is a critical audit matter are (i) the\nsignificant judgment by management when developing the fair value estimate of the market risk benefits, (ii) a high degree of auditor judgment, subjectivity and effort\nin performing procedures and evaluating audit evidence related to management\u2019s significant assumptions related to utilization of guaranteed withdrawals, surrender\nrate, market volatility, nonperformance risk and mortality rate (collectively, the significant market risk benefit assumptions), and (iii) the audit effort involved the use\nof professionals with specialized skill and knowledge.\nAddressing the matter involved performing procedures and evaluating audit evidence in connection with forming our overall opinion on the consolidated financial\nstatements. These procedures included testing the effectiveness of controls relating to market risk benefits, including controls over the reasonableness of the\nsignificant market risk benefit assumptions. These procedures also included, among others, (i) evaluating management\u2019s process for developing the fair value\nestimate of the market risk benefits, (ii) testing, on a sample basis, the completeness and accuracy of data used in the estimate, and (iii) the involvement of\nprofessionals with specialized skill and knowledge to assist in evaluating the reasonableness of the significant market risk benefit assumptions based on industry\nknowledge and data as well as historical Company data and experience, and the continued appropriateness of unchanged assumptions.\nAdoption of the new accounting standard for long-duration insurance contracts\nAs described above and in Notes 2, 3, 11 and 13 to the consolidated financial statements, the Company adopted the new accounting standard relating to targeted\nimprovements to the accounting for long-duration contracts (\u201cLDTI\u201d). When management adopted the new standard effective January 1, 2023 with a transition date\nof January 1, 2021, opening equity was adjusted for the adoption impacts to retained earnings and accumulated other comprehensive income and prior periods\npresented (i.e. 2021 and 2022) were restated. The new standard changes elements of the measurement models and disclosure requirements for an insurer\u2019s long-\nduration insurance contract benefits and acquisition costs by expanding the use of fair value accounting to certain contract benefits and requiring at least annual\nupdates to assumptions used to measure liabilities for future policy benefits. As of the January 1, 2021 transition date, the adoption impact was a reduction in total\nequity of $1.9 billion. The adjustments to retrospectively recast prior period amounts resulted in an increase of $190 million and a decrease of $1.1 billion to total\nequity as of December 31, 2022 and 2021, respectively, and an increase to net income of $590 million and $657 million for the years ended December 31, 2022 and 2021,\nrespectively. The adjustments as of January 1, 2021 and for the years ended December 31, 2022 and 2021 include the remeasurement of the liability for future policy\nbenefits at a current single A discount rate and the establishment of assets and liabilities for the market risk benefits.", "578c682c-ba5c-432d-bf02-b22eb727efc5": "As of the January 1, 2021 transition date, the adoption impact was a reduction in total\nequity of $1.9 billion. The adjustments to retrospectively recast prior period amounts resulted in an increase of $190 million and a decrease of $1.1 billion to total\nequity as of December 31, 2022 and 2021, respectively, and an increase to net income of $590 million and $657 million for the years ended December 31, 2022 and 2021,\nrespectively. The adjustments as of January 1, 2021 and for the years ended December 31, 2022 and 2021 include the remeasurement of the liability for future policy\nbenefits at a current single A discount rate and the establishment of assets and liabilities for the market risk benefits. The discount rate represents an upper-medium-\ngrade (i.e., low credit risk) fixed-income instrument yield (i.e., an A rating) that reflects the duration characteristics of the liability. Discount rates are locked in\nannually, at the end of each year for all products, except life contingent payout annuities, and calculated as the monthly average discount rate curves for the year. For\nlife contingent payout annuities, the discount rates are locked in quarterly, at the end of each quarter based on the average of the three months for the quarter.\u2009 The\nsignificant assumptions used by management to develop the fair value measurements of market risk benefits include utilization of guaranteed withdrawals, surrender\nrate, market volatility, nonperformance risk and mortality rate (collectively, the significant market risk benefit assumptions). As of December 31, 2022, the market risk\nbenefits assets amounted to $1.0 billion, and the market risk benefits liabilities amounted to $2.1 billion.\nThe principal considerations for our determination that performing procedures relating to the adoption of the new accounting standard for LDTI is a critical audit\nmatter are (i) the significant judgment by management when adopting the LDTI standard and determining the transition date adjustments and the transition period\nadjustments, (ii) a high degree of auditor judgment, subjectivity and effort in performing procedures and evaluating audit evidence related to (a) management\u2019s\ndiscount rate methodology and development of the discount rate curve used in determining the liability for future policy benefits, and (b) management\u2019s significant\nmarket risk benefit assumptions used in determining the fair value of market risk benefits in connection with adopting the new standard, and (iii) the audit effort\ninvolved the use of professionals with specialized skills and knowledge.\n73", "c87e8490-59f5-44e6-b55e-339438ed8539": "Index\nAddressing the matter involved performing procedures and evaluating audit evidence in connection with forming our overall opinion on the consolidated financial\nstatements. These procedures included testing the effectiveness of controls related to management\u2019s adoption of the new accounting standard for LDTI, including\ncontrols over determining the transition date adjustments and transition period adjustments. These procedures also included, among others, (i) evaluating\nmanagement\u2019s process for adopting the LDTI standard and for determining the transition date and transition period adjustments, (ii) testing the relevance and\nreliability of the external data used by management to develop the discount rate curve, (iii) testing the completeness and accuracy of the data used by management to\ndevelop and update the significant market risk benefit assumptions, and (iv) the use of professionals with specialized skill and knowledge to assist in evaluating,\nbased on the consideration the Company\u2019s historical and actual experience, industry trends, and market conditions, as applicable, the (a) appropriateness of the\ndiscount rate methodology and the reasonableness of the discount rate curve, and (b) the reasonableness of the significant market risk benefit assumptions used to\ndetermine the fair value of market risk benefits in connection with adopting the new standard.\n/s/ \nPricewaterhouseCoopers LLP\nMinneapolis, Minnesota\nFebruary 22, 2024\nWe have served as the Company\u2019s auditor since 2010.\n74", "85787fc8-3825-46ed-85d8-9c8b249063ff": "Index\nAmeriprise Financial, Inc.\nConsolidated Statements of Operations\nYears Ended December 31,\n2023\n2022\n2021\n(in millions, except per share amounts)\nRevenues\n \n \n \nManagement and financial advice fees\n$\n8,907\n \n$\n9,033\n \n$\n9,275\n \nDistribution fees\n1,931\n \n1,939\n \n1,828\n \nNet investment income\n3,206\n \n1,474\n \n1,683\n \nPremiums, policy and contract charges\n1,539\n \n1,397\n \n221\n \nOther revenues\n513\n \n491\n \n382\n \nTotal revenues\n16,096\n \n14,334\n \n13,389\n \nBanking and deposit interest expense\n561\n \n76\n \n12\n \nTotal net revenues\n15,535\n \n14,258\n \n13,377\n \nBenefits and expenses\n \n \n \nDistribution expenses\n5,078\n \n4,935\n \n5,028\n \nInterest credited to fixed accounts\n654\n \n665\n \n600\n \nBenefits, claims, losses and settlement expenses\n1,350\n \n242\n \n(\n156\n)\nRemeasurement (gains) losses of future policy benefit reserves\n(\n20\n)\n1\n \n(\n52\n)\nChange in fair value of market risk benefits\n798\n \n311\n \n(\n113\n)\nAmortization of deferred acquisition costs\n246\n \n252\n \n259\n \nInterest and debt expense\n324\n \n198\n \n191\n \nGeneral and administrative expense\n3,871\n \n3,723\n \n3,435\n \nTotal benefits and expenses\n12,301\n \n10,327\n \n9,192\n \nPretax income\n3,234\n \n3,931\n \n4,185\n \nIncome tax provision\n678\n \n782\n \n768\n \nNet income\n$\n2,556\n \n$\n3,149\n \n$\n3,417\n \nEarnings per share\n \n \n \nBasic\n$\n24.18\n \n$\n28.29\n \n$\n29.13\n \nDiluted\n$\n23.71\n \n$\n27.70\n \n$\n28.48\n \n \nCertain prior period amounts have been restated. See Note 3 for more information.\nSee Notes to Consolidated Financial Statements.\n(1)\n(1)\n(1)\n75", "b0bc6cc4-40d1-4d83-bf01-bbd0b2797fbb": "Index\nAmeriprise Financial, Inc.\nConsolidated Statements of Comprehensive Income\nYears Ended December 31,\n2023\n2022\n2021\n(in millions)\nNet income\n$\n2,556\n \n$\n3,149\n \n$\n3,417\n \nOther comprehensive income (loss), net of tax:\nNet unrealized gains (losses) on securities\n802\n \n(\n3,076\n)\n(\n921\n)\nNet unrealized gains (losses) on derivatives\n2\n \n(\n1\n)\n(\n1\n)\nEffect of changes in discount rate assumptions on certain long-duration contracts\n(\n54\n)\n861\n \n284\n \nEffect of changes in instrument-specific credit risk on market risk benefits\n(\n65\n)\n407\n \n100\n \nDefined benefit plans\n15\n \n76\n \n53\n \nForeign currency translation adjustment\n80\n \n(\n171\n)\n(\n13\n)\nTotal other comprehensive income (loss), net of tax\n780\n \n(\n1,904\n)\n(\n498\n)\nTotal comprehensive income (loss)\n$\n3,336\n \n$\n1,245\n \n$\n2,919\n \n \nCertain prior period amounts have been restated. See Note 3 for more information.\nSee Notes to Consolidated Financial Statements.\n(1)\n(1)\n(1)\n76", "b237c3f9-197f-4510-baee-1858c74b6b1c": "Index\nAmeriprise Financial, Inc.\nConsolidated Balance Sheets\nDecember 31,\n2023\n2022\n(in millions, except share\namounts)\nAssets\n \n \nCash and cash equivalents\n$\n7,477\n \n$\n6,964\n \nCash of consolidated investment entities\n87\n \n133\n \nInvestments (allowance for credit losses: 2023, $\n22\n; 2022, $\n39\n)\n55,489\n \n44,524\n \nInvestments of consolidated investment entities, at fair value\n2,099\n \n2,354\n \nMarket risk benefits\n1,427\n \n1,015\n \nSeparate account assets\n77,457\n \n73,962\n \nReceivables (allowance for credit losses: 2023, $\n81\n; 2022, $\n75\n)\n15,078\n \n15,595\n \nReceivables of consolidated investment entities, at fair value\n28\n \n20\n \nDeferred acquisition costs\n2,713\n \n2,777\n \nRestricted and segregated cash, cash equivalents and investments\n1,635\n \n2,229\n \nOther assets\n11,700\n \n9,277\n \nOther assets of consolidated investment entities, at fair value\n1\n \n2\n \nTotal assets\n$\n175,191\n \n$\n158,852\n \nLiabilities and Equity\n \n \nLiabilities:\n \n \nPolicyholder account balances, future policy benefits and claims\n$\n37,545\n \n$\n34,132\n \nMarket risk benefits\n1,762\n \n2,118\n \nSeparate account liabilities\n77,457\n \n73,962\n \nCustomer deposits\n37,321\n \n30,775\n \nShort-term borrowings\n201\n \n201\n \nLong-term debt\n3,399\n \n2,821\n \nDebt of consolidated investment entities, at fair value\n2,155\n \n2,363\n \nAccounts payable and accrued expenses\n2,603\n \n2,242\n \nOther liabilities\n7,974\n \n6,316\n \nOther liabilities of consolidated investment entities, at fair value\n45\n \n119\n \nTotal liabilities\n170,462\n \n155,049\n \nEquity:\n \n \nCommon shares ($\n0.01\n par value; shares authorized, \n1,250,000,000\n; shares issued, \n336,780,893\n and \n335,864,062\n, respectively)\n3\n \n3\n \nAdditional paid-in capital\n9,824\n \n9,517\n \nRetained earnings\n21,905\n \n19,918\n \nTreasury shares, at cost (\n236,607,681\n and \n230,585,072\n shares, respectively)\n(\n25,237\n)\n(\n23,089\n)\nAccumulated other comprehensive income (loss), net of tax\n(\n1,766\n)\n(\n2,546\n)\nTotal equity\n4,729\n \n3,803\n \nTotal liabilities and equity\n$\n175,191\n \n$\n158,852\n \n \nCertain prior period amounts have been restated. See Note 3 for more information.\nSee Notes to Consolidated Financial Statements.\n(1)\n(1)\n77", "a632ac93-f57d-4de8-a7f8-b8ef33d82c20": "Index\nAmeriprise Financial, Inc.\nConsolidated Statements of Equity\nNumber of\nOutstanding Shares\nCommon\nShares\nAdditional\nPaid-In\nCapital\nRetained\nEarnings\nTreasury\nShares\nAccumulated\nOther \nComprehensive\nIncome (Loss)\nTotal\n(in millions, except share data)\nBalances at January 1, 2021\n116,765,613\n \n$\n3\n \n$\n8,822\n \n$\n15,292\n \n$\n(\n18,879\n)\n$\n893\n \n$\n6,131\n \nCumulative effect of adoption of long-duration\ncontracts guidance\n\u2014 \n\u2014 \n\u2014 \n(\n860\n)\n\u2014 \n(\n1,037\n)\n(\n1,897\n)\nNet income\n\u2014 \n\u2014 \n\u2014 \n3,417\n \n\u2014 \n\u2014 \n3,417\n \nOther comprehensive income (loss), net of tax\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n(\n498\n)\n(\n498\n)\nDividends to shareholders\n\u2014 \n\u2014 \n\u2014 \n(\n527\n)\n\u2014 \n\u2014 \n(\n527\n)\nRepurchase of common shares\n(\n8,744,127\n)\n\u2014 \n\u2014 \n\u2014 \n(\n2,222\n)\n\u2014 \n(\n2,222\n)\nShare-based compensation plans\n2,839,524\n \n\u2014 \n398\n \n\u2014 \n35\n \n\u2014 \n433\n \nBalances at December 31, 2021 \n110,861,010\n \n3\n \n9,220\n \n17,322\n \n(\n21,066\n)\n(\n642\n)\n4,837\n \nNet income\n\u2014 \n\u2014 \n\u2014 \n3,149\n \n\u2014 \n\u2014 \n3,149\n \nOther comprehensive income (loss), net of tax\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n(\n1,904\n)\n(\n1,904\n)\nDividends to shareholders\n\u2014 \n\u2014 \n\u2014 \n(\n553\n)\n\u2014 \n\u2014 \n(\n553\n)\nRepurchase of common shares\n(\n7,371,332\n)\n\u2014 \n\u2014 \n\u2014 \n(\n2,095\n)\n\u2014 \n(\n2,095\n)\nShare-based compensation plans\n1,789,312\n \n\u2014 \n297\n \n\u2014 \n72\n \n\u2014 \n369\n \nBalances at December 31, 2022 \n105,278,990\n \n3\n \n9,517\n \n19,918\n \n(\n23,089\n)\n(\n2,546\n)\n3,803\n \nNet income\n\u2014 \n\u2014 \n\u2014 \n2,556\n \n\u2014 \n\u2014 \n2,556\n \nOther comprehensive income (loss), net of tax\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n780\n \n780\n \nDividends to shareholders\n\u2014 \n\u2014 \n\u2014 \n(\n569\n)\n\u2014 \n\u2014 \n(\n569\n)\nRepurchase of common shares\n(\n6,659,042\n)\n\u2014 \n\u2014 \n\u2014 \n(\n2,212\n)\n\u2014 \n(\n2,212\n)\nShare-based compensation plans\n1,553,264\n \n\u2014 \n307\n \n\u2014 \n64\n \n\u2014 \n371\n \nBalances at December 31, 2023\n100,173,212\n \n$\n3\n \n$\n9,824\n \n$\n21,905\n \n$\n(\n25,237\n)\n$\n(\n1,766\n)\n$\n4,729\n \n \nCertain prior period amounts have been restated. See Note 3 for more information.\nSee Notes to Consolidated Financial Statements.\n(1)\n(1)\n(1)\n78", "b03afca0-f44e-438b-bf9e-8aa723419276": "Index\nAmeriprise Financial, Inc.\nConsolidated Statements of Cash Flows\nYears Ended December 31,\n2023\n2022\n2021\n(in millions)\nCash Flows from Operating Activities\nNet income\n$\n2,556\n \n$\n3,149\n \n$\n3,417\n \nAdjustments to reconcile net income to net cash provided by (used in) operating activities:\nDepreciation, amortization and accretion, net\n(\n154\n)\n(\n40\n)\n98\n \nDeferred income tax expense (benefit)\n18\n \n155\n \n91\n \nShare-based compensation\n187\n \n170\n \n152\n \nNet realized investment (gains) losses\n47\n \n(\n1\n)\n(\n632\n)\nNet trading (gains) losses\n(\n9\n)\n16\n \n5\n \nLoss from equity method investments\n27\n \n36\n \n75\n \nImpairments and provision for loan and credit losses\n(\n16\n)\n98\n \n4\n \nNet (gains) losses of consolidated investment entities\n23\n \n17\n \n(\n20\n)\nChanges in operating assets and liabilities\nRestricted and segregated investments\n(\n8\n)\n(\n96\n)\n25\n \nDeferred acquisition costs\n64\n \n67\n \n(\n8\n)\nPolicyholder account balances, future policy benefits and claims, and market risk benefits, net\n3,071\n \n623\n \n1,090\n \nDerivatives, net of collateral\n(\n624\n)\n315\n \n(\n570\n)\nReceivables\n276\n \n39\n \n(\n568\n)\nBrokerage deposits\n(\n781\n)\n(\n345\n)\n26\n \nAccounts payable and accrued expenses\n354\n \n(\n219\n)\n300\n \nCurrent income tax, net\n(\n387\n)\n116\n \n(\n308\n)\nOther operating assets and liabilities of consolidated investment entities, net\n(\n5\n)\n2\n \n20\n \nOther, net\n46\n \n305\n \n128\n \nNet cash provided by (used in) operating activities\n4,685\n \n4,407\n \n3,325\n \nCash Flows from Investing Activities\nAvailable-for-Sale securities:\nProceeds from sales\n734\n \n1,306\n \n556\n \nMaturities, sinking fund payments and calls\n9,230\n \n7,621\n \n11,501\n \nPurchases\n(\n19,694\n)\n(\n22,034\n)\n(\n14,718\n)\nProceeds from sales, maturities and repayments of mortgage loans\n152\n \n169\n \n299\n \nFunding of mortgage loans\n(\n284\n)\n(\n207\n)\n(\n263\n)\nProceeds from sales, maturities and collections of other investments\n145\n \n96\n \n173\n \nPurchase of other investments\n(\n116\n)\n(\n99\n)\n(\n97\n)\nPurchase of investments by consolidated investment entities\n(\n427\n)\n(\n961\n)\n(\n1,603\n)\nProceeds from sales, maturities and repayments of investments by consolidated investment entities\n643\n \n615\n \n1,047\n \nPurchase of land, buildings, equipment and software\n(\n184\n)\n(\n182\n)\n(\n120\n)\nCash paid for written options with deferred premiums\n(\n59\n)\n(\n619\n)\n(\n552\n)\nCash received from written options with deferred premiums\n43\n \n204\n \n106\n \nCash returned (paid) for acquisition of business, net of cash acquired\n\u2014\n \n34\n \n(\n576\n)\nCash paid for deposit receivables\n(\n39\n)\n(\n45\n)\n(\n377\n)\nCash received for deposit receivables\n774\n \n550\n \n254\n \nOther, net\n(\n180\n)\n(\n31\n)\n(\n10\n)\nNet cash provided by (used in) investing activities\n$\n(\n9,262\n)\n$\n(\n13,583\n)\n$\n(\n4,380\n)\nSee Notes to Consolidated Financial Statements.\n(1)\n(1)\n 79", "84ec4ced-9f5e-4c05-9079-ba47e9e9e186": "Index\nAmeriprise Financial, Inc.\nConsolidated Statements of Cash Flows (Continued)\nYears Ended December 31,\n2023\n2022\n2021\n(in millions)\nCash Flows from Financing Activities\nInvestment certificates:\nProceeds from additions\n$\n11,193\n \n$\n8,343\n \n$\n2,733\n \nMaturities, withdrawals and cash surrenders\n(\n7,039\n)\n(\n4,339\n)\n(\n4,190\n)\nPolicyholder account balances:\nDeposits and other additions\n1,476\n \n1,169\n \n1,553\n \nNet transfers from (to) separate accounts\n(\n132\n)\n(\n162\n)\n(\n273\n)\nSurrenders and other benefits\n(\n2,102\n)\n(\n1,459\n)\n(\n1,365\n)\nChange in banking deposits, net\n3,193\n \n6,885\n \n4,016\n \nCash paid for purchased options with deferred premiums\n(\n53\n)\n(\n197\n)\n(\n156\n)\nCash received from purchased options with deferred premiums\n251\n \n378\n \n1,350\n \nIssuance of long-term debt, net of issuance costs\n1,335\n \n495\n \n4\n \nRepayments of long-term debt\n(\n760\n)\n(\n510\n)\n(\n9\n)\nDividends paid to shareholders\n(\n550\n)\n(\n534\n)\n(\n511\n)\nRepurchase of common shares\n(\n2,127\n)\n(\n1,978\n)\n(\n2,030\n)\nExercise of stock options\n\u2014\n \n\u2014\n \n1\n \nBorrowings of consolidated investment entities\n\u2014\n \n341\n \n1,756\n \nRepayments of debt by consolidated investment entities\n(\n275\n)\n(\n4\n)\n(\n1,142\n)\nOther, net\n1\n \n2\n \n(\n14\n)\nNet cash provided by (used in) financing activities\n4,411\n \n8,430\n \n1,723\n \nEffect of exchange rate changes on cash\n31\n \n(\n68\n)\n(\n2\n)\nNet increase (decrease) in cash and cash equivalents, including amounts restricted\n(\n135\n)\n(\n814\n)\n666\n \nCash and cash equivalents, including amounts restricted at beginning of period\n8,755\n \n9,569\n \n8,903\n \nCash and cash equivalents, including amounts restricted at end of period\n$\n8,620\n \n$\n8,755\n \n$\n9,569\n \nSupplemental Disclosures:\nInterest paid excluding consolidated investment entities\n$\n682\n \n$\n152\n \n$\n113\n \nInterest paid by consolidated investment entities\n177\n \n75\n \n90\n \nIncome taxes paid, net\n1,036\n \n500\n \n986\n \nLeased assets obtained in exchange for finance lease liabilities\n\u2014\n \n\u2014\n \n4\n \nLeased assets obtained in exchange for operating lease liabilities\n67\n \n47\n \n109\n \nNon-cash investing activities:\nInvestments transferred in connection with fixed annuity reinsurance transaction\n\u2014\n \n\u2014\n \n7,513\n \n Exchange of an investment that resulted in a realized gain and an increase to amortized cost\n\u2014\n \n\u2014\n \n17\n \nDecember 31,\n2023\n2022\n(in millions)\nReconciliation of cash and cash equivalents, including amounts restricted:\nCash and cash equivalents\n$\n7,477\n \n$\n6,964\n \nCash of consolidated investment entities\n87\n \n133\n \nRestricted and segregated cash, cash equivalents and investments\n1,635\n \n2,229\n \nLess: Restricted and segregated investments\n(\n579\n)\n(\n571\n)\nTotal cash and cash equivalents, including amounts restricted per consolidated statements of cash flows\n$\n8,620\n \n$\n8,755\n \n \nCertain prior period amounts have been restated. See Note 3 for more information.\nSee Notes to Consolidated Financial Statements.\n(1)\n(1)\n(1)\n80", "cfce7935-755e-4951-b4f9-1579a3fad6b6": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements\n1. \nBasis of Presentation\nAmeriprise Financial, Inc. is a holding company, which primarily conducts business through its subsidiaries to provide financial planning, products and services that\nare designed to be utilized as solutions for clients\u2019 cash and liquidity, asset accumulation, income, protection and estate and wealth transfer needs. The foreign\noperations of Ameriprise Financial, Inc. (\u201cAmeriprise Financial\u201d) are conducted primarily through Columbia Threadneedle Investments UK International Limited,\nTAM UK International Holdings Ltd and Ameriprise Asset Management Holdings Singapore (Pte.) Ltd and their respective subsidiaries (collectively,\n\u201cThreadneedle\u201d).\nThe accompanying Consolidated Financial Statements include the accounts of Ameriprise Financial, Inc., companies in which it directly or indirectly has a controlling\nfinancial interest and variable interest entities (\u201cVIEs\u201d) in which it is the primary beneficiary (collectively, the \u201cCompany\u201d). All intercompany transactions and\nbalances have been eliminated in consolidation.\nThe accompanying Consolidated Financial Statements are prepared in accordance with U.S. generally accepted accounting principles (\u201cGAAP\u201d).\n \nCertain\nreclassifications of prior period amounts have been made to conform with the current presentation.\nOn July 13, 2023, the Company announced that it withdrew its application to convert Ameriprise Bank, FSB (\u201cAmeriprise Bank\u201d) to a state-chartered industrial bank\nand its application to establish a new limited purpose national trust bank. Ameriprise Bank will continue to operate as it does today, regulated by the Office of the\nComptroller of the Currency and the Federal Deposit Insurance Corporation.\nThe Company evaluated events or transactions that occurred after the balance sheet date for potential recognition or disclosure through the date the financial\nstatements were issued. No subsequent events or transactions requiring recognition or disclosure were identified.\n2. \nSummary of Significant Accounting Policies\nThe Company adopted Accounting Standards Update (\u201cASU\u201d), \nFinancial Services \u2013 Insurance \u2013 Targeted Improvements to the Accounting for Long-Duration\nContracts \n(\u201cASU 2018-12\u201d), effective January 1, 2023 with a transition date of January 1, 2021. The significant accounting policies for market risk benefits (\u201cMRB\u201d);\ndeferred acquisition costs (\u201cDAC\u201d); deferred sales inducement costs (\u201cDSIC\u201d); reinsurance; policyholder account balances, future policy benefits and claims; and\nunearned revenue liability were added or updated as a result of adopting the new accounting standard. See Note 3 for additional information related to the transition\napproach and adoption impact.\nPrinciples of Consolidation\nA VIE is an entity that either has equity investors that lack certain essential characteristics of a controlling financial interest (including substantive voting rights, the\nobligation to absorb the entity\u2019s losses, or the rights to receive the entity\u2019s returns) or has equity investors that do not provide sufficient financial resources for the\nentity to support its activities.\nVoting interest entities (\u201cVOEs\u201d) are those entities that do not qualify as a VIE. The Company consolidates VOEs in which it holds a greater than 50% voting interest.\nThe Company generally accounts for entities using the equity method when it holds a greater than 20% but less than 50% voting interest or when the Company\nexercises significant influence over the entity. All other investments that are not reported at fair value as trading or Available-for-Sale securities are accounted for\nusing the measurement alternative method when the Company owns less than a 20% voting interest and does not exercise significant influence. Under the\nmeasurement alternative, the investment is recorded at the cost basis, less impairments, if any, plus or minus observable price changes of identical or similar\ninvestments of the same issuer.\nA VIE is consolidated by the reporting entity that determines it has both:\n\u2022\nthe power to direct the activities of the VIE that most significantly impact the VIE\u2019s economic performance; and\n\u2022\nthe obligation to absorb potentially significant losses or the right to receive potentially significant benefits to the VIE.\nAll VIEs are assessed for consolidation under this framework. When evaluating entities for consolidation, the Company considers its contractual rights in\ndetermining whether it has the power to direct the activities of the VIE that most significantly impact the VIE\u2019s economic performance. In determining whether the\nCompany has this power, it considers whether it is acting in a role that enables it to direct the activities that most significantly impact the economic performance of an\nentity or if it is acting in an agent role.", "0dc3cb78-bb29-4cbf-b0ae-4d2a32877f4f": "A VIE is consolidated by the reporting entity that determines it has both:\n\u2022\nthe power to direct the activities of the VIE that most significantly impact the VIE\u2019s economic performance; and\n\u2022\nthe obligation to absorb potentially significant losses or the right to receive potentially significant benefits to the VIE.\nAll VIEs are assessed for consolidation under this framework. When evaluating entities for consolidation, the Company considers its contractual rights in\ndetermining whether it has the power to direct the activities of the VIE that most significantly impact the VIE\u2019s economic performance. In determining whether the\nCompany has this power, it considers whether it is acting in a role that enables it to direct the activities that most significantly impact the economic performance of an\nentity or if it is acting in an agent role.\nIn determining whether the Company has the obligation to absorb potential significant losses of the VIE or the right to receive potential significant benefits from the\nVIE that could potentially be significant to the VIE, the Company considers an analysis of its rights to receive benefits such as investment returns and its obligation\nto absorb losses associated with any investment in the VIE in conjunction with other qualitative factors. Management and incentive fees that are at market and\ncommensurate with the level of services provided, and where the Company does not hold other interests in the VIE that would absorb more than an insignificant\namount of the VIE\u2019s expected losses or receive more than an insignificant amount of the VIE\u2019s expected residual returns, are not considered a variable interest and are\nexcluded from the analysis.\nThe consolidation guidance has a scope exception for reporting entities with interests in registered money market funds which do not have an explicit support\nagreement.\n 81", "897c272a-b71b-459b-ab67-4d6e1937931e": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nForeign Currency Translation\nAssets and liabilities of foreign subsidiaries, whose functional currency is other than the U.S. dollar, are translated into U.S. dollars based upon exchange rates\nprevailing at the end of each period. Revenues and expenses are translated at average daily exchange rates during the period. The resulting translation adjustment,\nalong with any related hedge and tax effects, are included in accumulated other comprehensive income (\u201cAOCI\u201d). The determination of the functional currency is\nbased on the primary economic environment in which the entity operates. Gains and losses from foreign currency transactions are included in General and\nadministrative expenses.\nAmounts Based on Estimates and Assumptions\nAccounting estimates are an integral part of the Consolidated Financial Statements. In part, they are based upon assumptions concerning future events. Among the\nmore significant are those that relate to investment securities valuation and the recognition of credit losses or impairments, valuation of derivative instruments,\nlitigation reserves, future policy benefits, market risk benefits, and income taxes and the recognition of deferred tax assets and liabilities. These accounting estimates\nreflect the best judgment of management and actual results could differ.\nCash and Cash Equivalents\nCash equivalents include time deposits and other highly liquid investments with original or remaining maturities at the time of purchase of 90 days or less.\nInvestments\nAvailable-for-Sale Securities\nAvailable-for-Sale securities are carried at fair value with unrealized gains (losses) recorded in AOCI, net of impacts to benefit reserves, reinsurance recoverables and\nincome taxes. Available-for-Sale securities are recorded within Investments. Gains and losses are recognized on a trade date basis in the Consolidated Statements of\nOperations upon disposition of the securities.\nAvailable-for-Sale securities are impaired when the fair value of an investment is less than its amortized cost. When an Available-for-Sale security is impaired, the\nCompany first assesses whether or not: (i) it has the intent to sell the security (i.e., made a decision to sell) or (ii) it is more likely than not that the Company will be\nrequired to sell the security before its anticipated recovery. If either of these conditions exist, the Company recognizes an impairment by reducing the book value of\nthe security for the difference between the investment\u2019s amortized cost and its fair value with a corresponding charge to earnings. Subsequent increases in the fair\nvalue of Available-for-Sale securities that occur in periods after a write-down has occurred are recorded as unrealized gains in other comprehensive income (\u201cOCI\u201d),\nwhile subsequent decreases in fair value would continue to be recorded as reductions of book value with a charge to earnings.\nFor securities that do not meet the above criteria, the Company determines whether the decrease in fair value is due to a credit loss or due to other factors. The\namount of impairment due to credit-related factors, if any, is recognized as an allowance for credit losses with a related charge to Net investment income. The\nallowance for credit losses is limited to the amount by which the security\u2019s amortized cost basis exceeds its fair value. The amount of the impairment related to other\nfactors is recognized in OCI.\nFactors the Company considers in determining whether declines in the fair value of fixed maturity securities are due to credit-related factors include: (i) the extent to\nwhich the market value is below amortized cost; (ii) fundamental analysis of the liquidity, business prospects and overall financial condition of the issuer; and\n(iii) market events that could impact credit ratings, economic and business climate, litigation and government actions, and similar external business factors.\nIf through subsequent evaluation there is a sustained increase in cash flows expected, both the allowance and related charge to earnings may be reversed to reflect\nthe increase in expected principal and interest payments.\nIn order to determine the amount of the credit loss component for corporate debt securities, a best estimate of the present value of cash flows expected to be\ncollected discounted at the security\u2019s effective interest rate is compared to the amortized cost basis of the security. The significant inputs to cash flow projections\nconsider potential debt restructuring terms, projected cash flows available to pay creditors and the Company\u2019s position in the debtor\u2019s overall capital structure.\nWhen assessing potential credit-related impairments for structured investments (e.g., residential mortgage backed securities, commercial mortgage backed securities,\nasset backed securities and other structured investments), the Company also considers credit-related factors such as overall deal structure and its position within the\nstructure, quality of underlying collateral, delinquencies and defaults, loss severities, recoveries, prepayments and cumulative loss projections.", "e0be7603-f8e9-4149-9316-e38fc71fb5f7": "In order to determine the amount of the credit loss component for corporate debt securities, a best estimate of the present value of cash flows expected to be\ncollected discounted at the security\u2019s effective interest rate is compared to the amortized cost basis of the security. The significant inputs to cash flow projections\nconsider potential debt restructuring terms, projected cash flows available to pay creditors and the Company\u2019s position in the debtor\u2019s overall capital structure.\nWhen assessing potential credit-related impairments for structured investments (e.g., residential mortgage backed securities, commercial mortgage backed securities,\nasset backed securities and other structured investments), the Company also considers credit-related factors such as overall deal structure and its position within the\nstructure, quality of underlying collateral, delinquencies and defaults, loss severities, recoveries, prepayments and cumulative loss projections.\nManagement has elected to exclude accrued interest in its measurement of the allowance for credit losses for Available-for-Sale securities. Accrued interest on\nAvailable-for-Sale securities is recorded as earned in Receivables. Available-for-Sale securities are generally placed on nonaccrual status when the accrued balance\nbecomes \n90\n days past due or earlier based on management\u2019s evaluation of the facts and circumstances of each security under review. All previously accrued interest\nis reversed through Net investment income.\n82", "139e0393-005c-49e8-916e-34e758bb0918": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nFinancing Receivables\nCommercial Loans\nCommercial loans include commercial mortgage loans, syndicated loans, and advisor loans and are recorded at amortized cost less the allowance for credit losses.\nCommercial mortgage loans and syndicated loans are recorded within Investments and advisor loans are recorded within Receivables. Commercial mortgage loans are\nloans on commercial properties that are originated by the Company. Syndicated loans represent the Company\u2019s investment in loan syndications originated by\nunrelated third parties.\nThe Company offers loans to financial advisors primarily for recruiting, transitional cost assistance, retention purposes, practice operations, and growth strategies.\nThese advisor loans are generally repaid over a five- to ten-year period. If the financial advisor is no longer affiliated with the Company, any unpaid balance of such\nloan becomes immediately due.\nInterest income is accrued as earned on the unpaid principal balances of the loans. Interest income recognized on commercial mortgage loans and syndicated loans is\nrecorded in Net investment income. Interest income recognized on advisor loans is recorded in Other revenues.\nConsumer Loans\nConsumer loans consist of credit card receivables, residential mortgage loans, policy loans, brokerage margin loans and pledged asset lines of credit and are recorded\nat amortized cost less the allowance for loan losses. Credit card receivables, residential mortgage loans and policy loans are recorded within Investments. Brokerage\nmargin loans and pledged asset lines of credit are recorded within Receivables. Credit card receivables are related to Ameriprise-branded credit cards issued to the\nCompany\u2019s customers by a third party. When originated, policy loan balances do not exceed the cash surrender value of the underlying products. \nThe Company\u2019s\nbroker dealer subsidiaries enter into lending arrangements with clients through the normal course of business, which are primarily based on customer margin levels.\nAmeriprise Bank enters into revolving lines of credit with customers of the Company\u2019s broker dealer subsidiaries, where certain of the customer\u2019s assets held in\nbrokerage accounts serve as collateral.\nInterest income is accrued as earned on the unpaid principal balances of the loans. Interest income recognized on consumer loans is recorded in Net investment\nincome.\nDeposit Receivables\nFor each of its reinsurance agreements, the Company determines whether the agreement provides indemnification against loss or liability related to insurance risk in\naccordance with applicable accounting standards. If the Company determines that a reinsurance agreement does not expose the reinsurer to a reasonable possibility\nof a significant loss from insurance risk, the Company records the agreement using the deposit method of accounting. Deposits made and any related embedded\nderivatives are included in Receivables. As amounts are received, consistent with the underlying contracts, deposit receivables are adjusted. Deposit receivables are\naccreted using the interest method and the accretion is reported in Other revenues.\nSee Note 7 for additional information on financing receivables.\nAllowance for Credit Losses\nThe allowance for credit losses is a valuation account that is deducted from the amortized cost basis of the financial assets to present the net amount expected to be\ncollected over the asset\u2019s expected life, considering past events, current conditions and reasonable and supportable forecasts of future economic conditions.\nEstimates of expected credit losses consider both historical charge-off and recovery experience as well as current economic conditions and management\u2019s expectation\nof future charge-off and recovery levels. Expected losses related to risks other than credit risk are excluded from the allowance for credit losses. The allowance for\ncredit losses is measured and recorded upon initial recognition of the loan, regardless of whether it is originated or purchased. The methods and information used to\ndevelop the allowance for credit losses for each class of financing receivable are discussed below.\nCommercial Loans\nThe allowance for credit losses for commercial mortgage loans and syndicated loans utilizes a probability of default and loss severity approach to estimate lifetime\nexpected credit losses. Actual historical default and loss severity data for each type of commercial loan is adjusted for current conditions and reasonable and\nsupportable forecasts of future economic conditions to develop the probability of default and loss severity assumptions that are applied to the amortized cost basis\nof the loans over the expected life of each portfolio. The allowance for credit losses on commercial mortgage loans and syndicated loans is recorded through\nprovisions charged to Net investment income and is reduced/increased by net charge-offs/recoveries.\nManagement determines the adequacy of the allowance for credit losses based on the overall loan portfolio composition, recent and historical loss experience, and\nother pertinent factors, including when applicable, internal risk ratings, loan-to-value (\u201cLTV\u201d) ratios, \nand occupancy rates, along with reasonable and supportable\nforecasts of economic and market conditions.", "bf0dc925-5dab-4afd-90b3-fb041703745c": "Actual historical default and loss severity data for each type of commercial loan is adjusted for current conditions and reasonable and\nsupportable forecasts of future economic conditions to develop the probability of default and loss severity assumptions that are applied to the amortized cost basis\nof the loans over the expected life of each portfolio. The allowance for credit losses on commercial mortgage loans and syndicated loans is recorded through\nprovisions charged to Net investment income and is reduced/increased by net charge-offs/recoveries.\nManagement determines the adequacy of the allowance for credit losses based on the overall loan portfolio composition, recent and historical loss experience, and\nother pertinent factors, including when applicable, internal risk ratings, loan-to-value (\u201cLTV\u201d) ratios, \nand occupancy rates, along with reasonable and supportable\nforecasts of economic and market conditions. This evaluation is inherently subjective as it requires estimates, which may be susceptible to significant change.\nWhile the Company may attribute portions of the allowance to specific loan pools as part of the allowance estimation process, the entire allowance is available to\nabsorb losses expected over the life of the loan portfolio.\n83", "1af60b82-739e-4643-b763-cf6655e815e7": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nWhen determining the allowance for credit losses for advisor loans, the Company considers its actual historical collection experience and advisor termination\nexperience as well as other factors including amounts due at termination, the reasons for the terminated relationship, length of time since termination, and the former\nfinancial advisor\u2019s overall financial position. Management may identify certain pools of advisors at higher risk of termination based on production metrics or other\nfactors. Management uses its best estimate of future termination and collection rates to estimate expected credit losses over the expected life of the loans. The\nallowance for credit losses on advisor loans is recorded through provisions charged to Distribution expenses and is reduced/increased by net charge-offs/recoveries.\nConsumer Loans\nThe allowance for loan losses for credit card receivables and residential mortgage loans are based on models that project the Company\u2019s receivable exposure over the\nexpected life of the loans using cohorts based on the age of the receivable, geographic location, and credit scores. The models utilize industry data to derive\nprobability of default and loss given default assumptions, adjusted for current and future economic conditions. Management evaluates actual historical charge-off\nexperience and monitors risk factors including FICO scores and past-due status within the credit card portfolio, and FICO scores, LTV ratios, and past-due status\nwithin the residential mortgage loan portfolio, to ensure the allowance for loan losses based on industry data appropriately reserves for risks specific to the\nCompany\u2019s portfolios. The allowance for credit losses for credit card receivables and residential mortgage loans are recorded through provisions charged to Net\ninvestment income and are reduced/increased by net charge-offs/recoveries.\nThe Company monitors the market value of collateral supporting the margin loans and pledged asset lines of credit and requests additional collateral when necessary\nin order to mitigate the risk of loss. Due to these ongoing monitoring procedures, the allowance for credit losses is only measured for the margin loan balances and\npledged asset line of credit balances that are uncollateralized at the balance sheet date.\nPolicy loans do not exceed the cash surrender value at origination. As there is minimal risk of loss related to policy loans, there is no allowance for credit losses.\nDeposit Receivables\nThe allowance for credit losses is calculated on an individual reinsurer basis. Deposit receivables are collateralized by underlying trust arrangements. Management\nevaluates the terms of the reinsurance and trust agreements, the nature of the underlying assets, and the potential for changes in the collateral value when\nconsidering the need for an allowance for credit losses.\nNonaccrual Loans\nCommercial mortgage loans and syndicated loans are placed on nonaccrual status when either the collection of interest or principal has become \n90\n days past due or is\notherwise considered doubtful of collection. Advisor loans are placed on nonaccrual status upon the advisor\u2019s termination. When a loan is placed on nonaccrual\nstatus, unpaid accrued interest is reversed. Interest payments received on loans on nonaccrual status are generally applied to principal unless the remaining principal\nbalance has been determined to be fully collectible. Management has elected to exclude accrued interest in its measurement of the allowance for credit losses for\ncommercial mortgage loans, syndicated loans, and consumer loans.\nLoan Modifications\nA loan is modified when the Company makes certain concessionary modifications to contractual terms such as principal forgiveness, interest rate reductions, other-\nthan-insignificant payment delays, and/or term extensions in an attempt to make the loan more affordable to a borrower experiencing financial difficulties. Generally,\nperformance prior to the modification or significant events that coincide with the modification are considered in assessing whether the borrower can meet the new\nterms which may result in the loan being returned to accrual status at the time of the modification or after a performance period. If the borrower\u2019s ability to meet the\nrevised payment schedule is not reasonably assured, the loan remains on nonaccrual status.\nCharge-off and Foreclosure\nCommercial Loans\nCharge-offs are recorded when the Company concludes that all or a portion of the commercial mortgage loan or syndicated loan is uncollectible. Factors used by the\nCompany to determine whether all amounts due on commercial mortgage loans will be collected, include but are not limited to, the financial condition of the borrower,\nperformance of the underlying properties, collateral and/or guarantees on the loan, and the borrower\u2019s estimated future ability to pay based on property type and\ngeographic location. Factors used by the Company to determine whether all amounts due on syndicated loans will be collected, include but are not limited to the\nborrower\u2019s financial condition, industry outlook, and internal risk ratings based on rating agency data and internal analyst expectations.", "b628d024-4774-40ac-9589-9f1de6c3925f": "If the borrower\u2019s ability to meet the\nrevised payment schedule is not reasonably assured, the loan remains on nonaccrual status.\nCharge-off and Foreclosure\nCommercial Loans\nCharge-offs are recorded when the Company concludes that all or a portion of the commercial mortgage loan or syndicated loan is uncollectible. Factors used by the\nCompany to determine whether all amounts due on commercial mortgage loans will be collected, include but are not limited to, the financial condition of the borrower,\nperformance of the underlying properties, collateral and/or guarantees on the loan, and the borrower\u2019s estimated future ability to pay based on property type and\ngeographic location. Factors used by the Company to determine whether all amounts due on syndicated loans will be collected, include but are not limited to the\nborrower\u2019s financial condition, industry outlook, and internal risk ratings based on rating agency data and internal analyst expectations.\nIf it is determined that foreclosure on a commercial mortgage loan is probable and the fair value is less than the current loan balance, expected credit losses are\nmeasured as the difference between the amortized cost basis of the asset and fair value less estimated costs to sell, if applicable. Upon foreclosure, the commercial\nmortgage loan and related allowance are reversed, and the foreclosed property is recorded as real estate owned within Other assets.\n84", "52e5edc7-3242-4a64-b16a-35600b30c908": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nConcerns regarding the recoverability of loans to advisors primarily arise in the event that the financial advisor is no longer affiliated with the Company. When the\nreview of these factors indicates that further collection activity is highly unlikely, the outstanding balance of the loan is written-off and the related allowance is\nreduced.\nConsumer Loans\nCredit card receivables are not placed on nonaccrual status at 90 days past due; however, they are fully charged off upon reaching \n180\n days past due.\nSeparate Account Assets and Liabilities\nSeparate account assets represent funds held for the benefit of, and Separate account liabilities represent the obligation to, the variable annuity contractholders and\nvariable life insurance policyholders who have a contractual right to receive the benefits of their contract or policy and bear the related investment risk. Gains and\nlosses on separate account assets accrue directly to the contractholder or policyholder and are not reported in the Consolidated Statements of Operations. Included\nin separate account assets and liabilities is the fair value of the pooled pension funds that are offered by Threadneedle. Threadneedle provides a range of unitized\npooled pension funds, which invest in property, stocks, bonds and cash. The investments are selected by the clients and are based on the level of risk they are\nwilling to assume. All investment performance, net of fees, is passed through to the investors. Separate account assets are recorded at fair value and Separate\naccount liabilities are equal to the assets recognized.\nRestricted and Segregated Cash, Cash Equivalents and Investments\nAmounts segregated under federal and other regulations are held in special reserve bank accounts for the exclusive benefit of the Company\u2019s brokerage customers.\nCash and cash equivalents included in Restricted and segregated cash, cash equivalents and investments are presented as part of cash balances in the Consolidated\nStatements of Cash Flows.\nLand, Buildings, Equipment and Software\nLand, buildings, equipment and internally developed software are carried at cost less accumulated depreciation or amortization and are reflected within Other assets.\nThe Company uses the straight-line method of depreciation and amortization over periods ranging from \nthree\n to \n39\n years.\nAs of December 31, 2023 and 2022, land, buildings, equipment and software were $\n681\n million and $\n630\n million, respectively, net of accumulated depreciation of $\n1.9\nbillion and $\n1.9\n billion, respectively. Depreciation and amortization expense for the years ended December 31, 2023, 2022 and 2021 was $\n151\n million, $\n142\n million and\n$\n144\n million, respectively.\nLeases\nThe Company has operating and finance leases for corporate and field offices. The Company determines if an arrangement is a lease at inception or modification.\nRight-of-use (\u201cROU\u201d) assets represent the Company\u2019s right to use an underlying asset for the lease term and corresponding lease liabilities represent our obligation\nto make lease payments arising from the lease. ROU assets and lease liabilities are recognized at the commencement date based on the present value of lease\npayments over the lease term. The Company uses its incremental borrowing rate to determine the present value of the future lease payments. The incremental\nborrowing rate is determined at lease commencement date using a secured rate for a similar term as the period of the lease. Certain lease incentives such as free rent\nperiods are recorded as a reduction of the ROU asset. Lease costs for operating ROU assets is recognized on a straight-line basis over the lease term.\nCertain leases include one or more options to renew with terms that can extend the lease from \none year\n to \n10\n years. The exercise of any lease renewal option is at the\nsole discretion of the Company. Renewal options are included in the ROU assets and lease liabilities when they either provide an economic incentive to renew or\nwhen the costs related to the termination of a lease outweigh the benefits of signing a new lease.\nOperating and finance ROU assets are reflected in Other assets. Operating lease liabilities and finance lease liabilities are reflected in Other liabilities and Long-term\ndebt, respectively.\nGoodwill and Other Intangible Assets\nGoodwill represents the amount of an acquired company\u2019s acquisition cost in excess of the fair value of assets acquired and liabilities assumed. The Company\nevaluates goodwill for impairment annually on the measurement date of July 1 and whenever events and circumstances indicate that an impairment may have\noccurred, such as a significant adverse change in the business climate or a decision to sell or dispose of a reporting unit. Impairment is the amount carrying value\nexceeds fair value and is evaluated at the reporting unit level.", "85624541-a4da-4b91-965e-b9ebf4faa828": "Renewal options are included in the ROU assets and lease liabilities when they either provide an economic incentive to renew or\nwhen the costs related to the termination of a lease outweigh the benefits of signing a new lease.\nOperating and finance ROU assets are reflected in Other assets. Operating lease liabilities and finance lease liabilities are reflected in Other liabilities and Long-term\ndebt, respectively.\nGoodwill and Other Intangible Assets\nGoodwill represents the amount of an acquired company\u2019s acquisition cost in excess of the fair value of assets acquired and liabilities assumed. The Company\nevaluates goodwill for impairment annually on the measurement date of July 1 and whenever events and circumstances indicate that an impairment may have\noccurred, such as a significant adverse change in the business climate or a decision to sell or dispose of a reporting unit. Impairment is the amount carrying value\nexceeds fair value and is evaluated at the reporting unit level. The Company assesses various qualitative factors to determine whether impairment is likely to have\noccurred. If impairment were to occur, the Company would use the discounted cash flow method, a variation of the income approach.\nIntangible assets are amortized over their estimated useful lives unless they are deemed to have indefinite useful lives. The Company evaluates the definite lived\nintangible assets remaining useful lives annually and tests for impairment whenever events and circumstances indicate that an impairment may have occurred, such\nas a significant adverse change in the business climate. For definite lived intangible assets, impairment to fair value is recognized if the carrying amount is not\nrecoverable. Indefinite lived intangibles are also tested for impairment annually or whenever circumstances indicate an impairment may have occurred.\n85", "4bda2097-54d4-460c-8344-45cd4426238a": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nGoodwill and other intangible assets are reflected in Other assets.\nDerivative Instruments and Hedging Activities\nFreestanding derivative instruments are recorded at fair value and are reflected in Other assets or Other liabilities. The Company\u2019s policy is to not offset fair value\namounts recognized for derivatives and collateral arrangements executed with the same counterparty under the same master netting arrangement. The accounting for\nchanges in the fair value of a derivative instrument depends on its intended use and the resulting hedge designation, if any. The Company primarily uses derivatives\nas economic hedges that are not designated as accounting hedges or do not qualify for hedge accounting treatment. The Company occasionally designates\nderivatives as (i) hedges of changes in the fair value of assets, liabilities, or firm commitments (\u201cfair value hedges\u201d), (ii) hedges of a forecasted transaction or of the\nvariability of cash flows to be received or paid related to a recognized asset or liability (\u201ccash flow hedges\u201d), or (iii) hedges of foreign currency exposures of net\ninvestments in foreign operations (\u201cnet investment hedges in foreign operations\u201d).\nDerivative instruments that are entered into for hedging purposes are designated as such at the time the Company enters into the contract. For all derivative\ninstruments that are designated for hedging activities, the Company documents all of the hedging relationships between the hedge instruments and the hedged items\nat the inception of the relationships. Management also documents its risk management objectives and strategies for entering into the hedge transactions. The\nCompany assesses, at inception and on a quarterly basis, whether derivatives designated as hedges are highly effective in offsetting the fair value or cash flows of\nhedged items. If it is determined that a derivative is no longer highly effective as a hedge, the Company will discontinue the application of hedge accounting.\nFor derivative instruments that do not qualify for hedge accounting or are not designated as accounting hedges, changes in fair value are recognized in current\nperiod earnings. Changes in fair value of derivatives are presented in the Consolidated Statements of Operations based on the nature and use of the instrument.\nChanges in fair value of derivatives used as economic hedges are presented in the Consolidated Statements of Operations with the corresponding change in the\nhedged asset or liability.\nFor derivative instruments that qualify as fair value hedges, changes in the fair value of the derivatives, as well as changes in the fair value of the hedged assets,\nliabilities or firm commitments, are recognized on a net basis in current period earnings. The carrying value of the hedged item is adjusted for the change in fair value\nfrom the designated hedged risk. If a fair value hedge designation is removed or the hedge is terminated prior to maturity, previous adjustments to the carrying value\nof the hedged item are recognized into earnings over the remaining life of the hedged item.\nFor derivative instruments that qualify as cash flow hedges, the effective portion of the gain or loss on the derivative instruments is reported in AOCI and reclassified\ninto earnings when the hedged item or transaction impacts earnings. The amount that is reclassified into earnings is presented in the Consolidated Statements of\nOperations with the hedged instrument or transaction impact. Any ineffective portion of the gain or loss is reported in current period earnings as a component of Net\ninvestment income. If a hedge designation is removed or a hedge is terminated prior to maturity, the amount previously recorded in AOCI is reclassified to earnings\nover the period that the hedged item impacts earnings. For hedge relationships that are discontinued because the forecasted transaction is not expected to occur\naccording to the original strategy, any related amounts previously recorded in AOCI are recognized in earnings immediately.\nFor derivative instruments that qualify as net investment hedges in foreign operations, the effective portion of the change in fair value of the derivatives is recorded\nin AOCI as part of the foreign currency translation adjustment. Any ineffective portion of the net investment hedges in foreign operations is recognized in Net\ninvestment income during the period of change.\nThe equity component of indexed annuity, structured variable annuity, indexed universal life (\u201cIUL\u201d) and stock market certificate (\u201cSMC\u201d) obligations are considered\nembedded derivatives. Additionally, certain annuities contain guaranteed minimum accumulation benefits (\u201cGMAB\u201d) and guaranteed minimum withdrawal benefits\n(\u201cGMWB\u201d) provisions accounted for as market risk benefits.\nSee Note 16 for information regarding the Company\u2019s fair value measurement of derivative instruments and Note 18 for the impact of derivatives on the Consolidated\nStatements of Operations.", "189a777e-3130-49f4-9ab3-f5987ba4753a": "For derivative instruments that qualify as net investment hedges in foreign operations, the effective portion of the change in fair value of the derivatives is recorded\nin AOCI as part of the foreign currency translation adjustment. Any ineffective portion of the net investment hedges in foreign operations is recognized in Net\ninvestment income during the period of change.\nThe equity component of indexed annuity, structured variable annuity, indexed universal life (\u201cIUL\u201d) and stock market certificate (\u201cSMC\u201d) obligations are considered\nembedded derivatives. Additionally, certain annuities contain guaranteed minimum accumulation benefits (\u201cGMAB\u201d) and guaranteed minimum withdrawal benefits\n(\u201cGMWB\u201d) provisions accounted for as market risk benefits.\nSee Note 16 for information regarding the Company\u2019s fair value measurement of derivative instruments and Note 18 for the impact of derivatives on the Consolidated\nStatements of Operations.\nMarket Risk Benefits\nMarket risk benefits are contracts or contract features that both provide protection to the contractholder from other-than-nominal capital market risk and expose the\nCompany to other-than-nominal capital market risk. Market risk benefits include certain contract features on variable annuity products that provide minimum\nguarantees to contractholders. Guarantees accounted for as market risk benefits include guaranteed minimum death benefit (\u201cGMDB\u201d), guaranteed minimum income\nbenefit (\u201cGMIB\u201d), GMWB and GMAB. If a contract contains multiple market risk benefits, those market risk benefits are bundled together as a single compound\nmarket risk benefit.\nMarket risk benefits are measured at fair value, at the individual contract level, using a non-option-based valuation approach or an option-based valuation approach,\ndependent upon the fee structure of the contract. Changes in fair value are recognized in net income each period with the exception of the portion of the change in\nfair value due to a change in the instrument-specific credit risk, which is recognized in OCI.\n86", "eae73613-6993-4258-bb88-c3d43ae08251": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nDeferred Acquisition Costs\nThe Company incurs costs in connection with acquiring new and renewal insurance and annuity businesses. The portion of these costs which are incremental and\ndirect to the acquisition of a new or renewal insurance policy or annuity contract are deferred. Significant costs capitalized include sales based compensation related\nto the acquisition of new and renewal insurance policies and annuity contracts, medical inspection costs for successful sales, and a portion of employee\ncompensation and benefit costs based upon the amount of time spent on successful sales. Sales based compensation paid to advisors and employees and third-party\ndistributors is capitalized. Employee compensation and benefits costs which are capitalized relate primarily to sales efforts, underwriting and processing. All other\ncosts which are not incremental direct costs of acquiring an insurance policy or annuity contract are expensed as incurred. The DAC associated with insurance\npolicies or annuity contracts that are significantly modified or internally replaced with another contract are accounted for as write-offs. These transactions are\nanticipated in establishing amortization periods and other valuation assumptions.\nThe Company monitors other DAC amortization assumptions, such as persistency, mortality, morbidity, and variable annuity benefit utilization each quarter and,\nwhen assessed independently, each could impact the Company\u2019s DAC balances. Unamortized DAC is reduced for actual experience in excess of expected experience.\nThe analysis of DAC balances and the corresponding amortization considers all relevant factors and assumptions described previously. Unless the Company\u2019s\nmanagement identifies a significant deviation over the course of the quarterly monitoring, management reviews and updates these DAC amortization assumptions\nannually in the third quarter of each year.\nDAC is amortized on a constant-level basis for the grouped contracts over the expected contract term to approximate straight-line amortization. Contracts are grouped\nby contract type and issue year into cohorts consistent with the grouping used in estimating the associated liability for future policy benefits. DAC related to all\nlong-duration product types (except for life contingent payout annuities) is grouped on a calendar-year annual basis for each legal entity. Further disaggregation is\nreported for any contracts that include an additional liability for death or other insurance benefit. DAC related to life contingent payout annuities is grouped on a\ncalendar-year annual basis for each legal entity for policies issued prior to 2021 and on a quarterly basis for each legal entity thereafter.\nDAC related to annuity products (including variable deferred annuities, structured variable annuities, fixed deferred annuities, and life contingent payout annuities) is\namortized based on initial premium. DAC related to life insurance products (including universal life (\u201cUL\u201d) insurance, variable universal life (\u201cVUL\u201d) insurance, IUL\ninsurance, term life insurance, and whole life insurance) is amortized based on original specified amount (i.e., face amount). DAC related to disability income (\u201cDI\u201d)\ninsurance is amortized based on original monthly benefit.\nThe accounting contract term for annuity products (except for life contingent payout annuities) is the projected accumulation period. Life contingent payout\nannuities are amortized over the period which annuity payments are expected to be paid. The accounting contract term for life insurance products is the projected life\nof the contract. DI insurance is amortized over the projected life of the contract, including the claim paying period.\nDeferred Sales Inducement Costs\nDeferred sales inducements are contract features that are intended to attract new customers or to persuade existing customers to keep their current policy. Sales\ninducement costs consist of bonus interest credits and premium credits added to certain annuity contract and insurance policy values. These benefits are capitalized\nto the extent they are incremental to amounts that would be credited on similar contracts without the applicable feature. The amounts capitalized are amortized on a\nconstant level basis using the same methodology and assumptions used to amortize DAC. DSIC is recorded in Other assets and amortization of DSIC is recorded in\nBenefits, claims, losses and settlement expenses.\nReinsurance\nThe Company cedes insurance risk to other insurers under reinsurance agreements.\nReinsurance premiums paid and benefits received are accounted for consistently with the basis used in accounting for the policies from which risk is reinsured and\nconsistently with the terms of the reinsurance contracts. Reinsurance premiums for traditional life, long term care (\u201cLTC\u201d) and DI insurance and life contingent\npayout annuities, net of the change in any prepaid reinsurance asset, are reported as a reduction of Premiums, policy and contract charges. Reinsurance recoveries\nare reported as components of Benefits, claims, losses and settlement expenses.", "c92ba4f3-e429-4939-9929-46d87f1c07da": "The amounts capitalized are amortized on a\nconstant level basis using the same methodology and assumptions used to amortize DAC. DSIC is recorded in Other assets and amortization of DSIC is recorded in\nBenefits, claims, losses and settlement expenses.\nReinsurance\nThe Company cedes insurance risk to other insurers under reinsurance agreements.\nReinsurance premiums paid and benefits received are accounted for consistently with the basis used in accounting for the policies from which risk is reinsured and\nconsistently with the terms of the reinsurance contracts. Reinsurance premiums for traditional life, long term care (\u201cLTC\u201d) and DI insurance and life contingent\npayout annuities, net of the change in any prepaid reinsurance asset, are reported as a reduction of Premiums, policy and contract charges. Reinsurance recoveries\nare reported as components of Benefits, claims, losses and settlement expenses.\nUL and VUL reinsurance premiums are reported as a reduction of Premiums, policy and contract charges. In addition, for UL and VUL insurance policies, the net cost\nof reinsurance ceded, which represents the discounted amount of the expected cash flows between the reinsurer and the Company, is classified as an asset and\namortized based on estimated gross profits over the period the reinsured policies are in force. Changes in the net cost of reinsurance are reflected as a component of\nPremiums, policy and contract charges.\nInsurance liabilities are reported before the effects of reinsurance. Policyholder account balances, future policy benefits and claims recoverable under reinsurance\ncontracts are recorded within Receivables, net of the allowance for credit losses. The Company\n87", "57b3aa5c-4135-4e8c-a2c2-8bb3b5407cb5": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nevaluates the financial condition of its reinsurers prior to entering into new reinsurance contracts and on a periodic basis during the contract term. The allowance for\ncredit losses related to reinsurance recoverable is based on applying observable industry data including insurer ratings, default and loss severity data to the\nCompany\u2019s reinsurance recoverable balances. Management evaluates the results of the calculation and considers differences between the industry data and the\nCompany\u2019s data. Such differences include that \nthe Company has no actual history of significant losses and that industry data may contain non-life insurers. This\nevaluation is inherently subjective as it requires estimates, which may be susceptible to significant change given the long-term nature of these receivables. In\naddition, the Company has a reinsurance protection agreement that provides credit protections for its reinsured long term care business. The allowance for credit\nlosses on reinsurance recoverable is recorded through provisions charged to Benefits, claims, losses and settlement expenses.\nThe Company also assumes life insurance and fixed annuity risk from other insurers in limited circumstances. Reinsurance premiums received and benefits paid are\naccounted for consistently with the basis used in accounting for the policies from which risk is reinsured and consistently with the terms of the reinsurance\ncontracts. Liabilities for assumed business are recorded within Policyholder account balances, future policy benefits and claims.\nSee Note 8 for additional information on reinsurance.\nPolicyholder Account Balances, Future Policy Benefits and Claims\nThe Company establishes reserves to cover the benefits associated with non-traditional and traditional long-duration products. Non-traditional long-duration\nproducts include variable and structured variable annuity contracts, fixed annuity contracts and UL and VUL policies. Traditional long-duration products include\nterm life, whole life, DI and LTC insurance.\nNon-Traditional Long-Duration Products\nThe liabilities for non-traditional long-duration products include fixed account values on variable and fixed annuities and UL and VUL policies, non-life contingent\npayout annuities, liabilities for guaranteed benefits associated with variable annuities (including structured variable annuities), and embedded derivatives for\nstructured variable annuities, indexed annuities and IUL products.\nLiabilities for fixed account values on variable annuities, structured variable annuities, fixed deferred annuities, and UL and VUL policies are equal to accumulation\nvalues, which are the cumulative gross deposits and credited interest less withdrawals and various charges. The liability for non-life contingent payout annuities is\nrecognized as the present value of future payments using the effective yield at inception of the contract.\nA portion of the Company\u2019s UL and VUL policies have product features that result in profits followed by losses from the insurance component of the contract. These\nprofits followed by losses can be generated by the cost structure of the product or secondary guarantees in the contract. The secondary guarantee ensures that,\nsubject to specified conditions, the policy will not terminate and will continue to provide a death benefit even if there is insufficient policy value to cover the monthly\ndeductions and charges. The liability for these future losses is determined at the reporting date by estimating the death benefits in excess of account value and\nrecognizing the excess over the estimated life based on expected assessments (e.g. cost of insurance charges, contractual administrative charges, similar fees and\ninvestment margin). See Note 11 for information regarding the liability for contracts with secondary guarantees.\nLiabilities for fixed deferred indexed annuity, structured variable annuity and IUL products are equal to the accumulation of host contract values, guaranteed benefits,\nand the fair value of embedded derivatives.\nSee Note 13 for information regarding variable annuity guarantees.\nEmbedded Derivatives\nThe fair value of embedded derivatives related to structured variable annuities, indexed annuities and IUL fluctuate based on equity markets and interest rates and\nthe estimate of the Company\u2019s nonperformance risk and is recorded in Policyholder account balances, future policy benefits and claims. See Note 16 for information\nregarding the fair value measurement of embedded derivatives.\nTraditional Long-Duration Products\nThe liabilities for traditional long-duration products include cash flows related to unpaid amounts on reported claims, estimates of benefits payable on claims incurred\nbut not yet reported and estimates of benefits that will become payable on term life, whole life, DI, LTC, and life contingent payout annuity policies as claims are\nincurred in the future. The claim liability (also referred to as disabled life reserve) is presented together as one liability for future policy benefits.", "1df26b29-b21a-41a1-b2c6-546eae7d8afb": "See Note 13 for information regarding variable annuity guarantees.\nEmbedded Derivatives\nThe fair value of embedded derivatives related to structured variable annuities, indexed annuities and IUL fluctuate based on equity markets and interest rates and\nthe estimate of the Company\u2019s nonperformance risk and is recorded in Policyholder account balances, future policy benefits and claims. See Note 16 for information\nregarding the fair value measurement of embedded derivatives.\nTraditional Long-Duration Products\nThe liabilities for traditional long-duration products include cash flows related to unpaid amounts on reported claims, estimates of benefits payable on claims incurred\nbut not yet reported and estimates of benefits that will become payable on term life, whole life, DI, LTC, and life contingent payout annuity policies as claims are\nincurred in the future. The claim liability (also referred to as disabled life reserve) is presented together as one liability for future policy benefits.\nA liability for future policy benefits, which is the present value of estimated future policy benefits to be paid to or on behalf of policyholders and certain related\nexpenses less the present value of estimated future net premiums to be collected from policyholders, is accrued as premium revenue is recognized. Expected insurance\nbenefits are accrued over the life of the contract in proportion to premium revenue recognized (referred to as the net premium approach). The net premium ratio\nreflects cash flows from contract inception to contract termination (i.e., through the claim paying period) and cannot exceed 100%.\nAssumptions utilized in the net premium approach, including mortality, morbidity, and terminations, are reviewed as part of experience studies at least annually or\nmore frequently if suggested by evidence. Expense assumptions and actual expenses are updated within the net premium calculation consistent with other\npolicyholder assumptions.\n88", "db79482d-cc7c-41e9-9479-684382a05072": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe updated cash flows used in the calculation are discounted using a forward rate curve. The discount rate represents an upper-medium-grade (i.e., low credit risk)\nfixed-income instrument yield (i.e., an A rating) that reflects the duration characteristics of the liability. Discount rates are locked in annually, at the end of each year\nfor all products, except life contingent payout annuities, and calculated as the monthly average discount rate curves for the year. For life contingent payout annuities,\nthe discount rates are locked in quarterly at the end of each quarter based on the average of the three months for the quarter.\u2009\nThe liability for future policy benefits will be updated for actual experience at least on an annual basis and concurrent with changes to cash flow assumptions. When\nnet premiums are updated for cash flow changes, the estimated cash flows over the entire life of a group of contracts are updated using historical experience and\nupdated future cash flow assumptions.\nThe revised net premiums are used to calculate an updated liability for future policy benefits as of the beginning of the reporting period, discounted at the original\nlocked in rate (i.e., contract issuance rate). The updated liability for future policy benefits as of the beginning of the reporting period is then compared with the\ncarrying amount of the liability as of that date prior to updating cash flow assumptions to determine the current period remeasurement gain or loss reflected in current\nperiod earnings. The revised net premiums are then applied as of the beginning of the quarter to calculate the benefit expense for the current reporting period.\nThe difference between the updated carrying amount of the liability for future policy benefits measured using the current discount rate assumption and the original\ndiscount rate assumption is recognized in OCI. The interest accretion rate remains the original discount rate used at contract issue date.\nIf the updating of cash flow assumptions results in the present value of future benefits and expenses exceeding the present value of future gross premiums, a charge\nto net income is recorded for the current reporting period such that net premiums are set equal to gross premiums. In subsequent periods, the liability for future policy\nbenefits is accrued with net premiums set equal to gross premiums.\nContracts (except for life contingent payout annuities sold subsequent to December 31, 2020) are grouped into cohorts by contract type and issue year, as well as by\nlegal entity and reportable segment. Life contingent payout annuities sold in periods beginning in 2021 are grouped into quarterly cohorts.\nSee Note 11 for information regarding the liabilities for traditional long-duration products.\nDeferred Profit Liability\nFor limited-payment products, gross premiums received in excess of net premiums are deferred at initial recognition as a deferred profit liability (\u201cDPL\u201d). Gross\npremiums are measured using assumptions consistent with those used in the measurement of the liability for future policy benefits, including discount rate, mortality,\nlapses and expenses.\nThe DPL is amortized and recognized as premium revenue in proportion to expected future benefit payments from annuity contracts. Interest is accreted on the\nbalance of the DPL using the discount rate determined at contract issuance. The Company reviews and updates its estimate of cash flows from the DPL at the same\ntime as the estimates of cash flows for the liability for future policy benefits. When cash flows are updated, the updated estimates are used to recalculate the DPL at\ncontract issuance. The recalculated DPL as of the beginning of the current reporting period is compared to the carrying amount of the DPL as of the beginning of the\ncurrent reporting period, and any difference is recognized as either a charge or credit to premium revenue.\nDPL is recorded in Policyholder account balances, future policy benefits and claims and included as a reconciling item within Note 11.\nUnearned Revenue Liability\nThe Company\u2019s UL and VUL policies require payment of fees or other policyholder assessments in advance for services to be provided in future periods. These\ncharges are deferred as unearned revenue and amortized consistent with DAC amortization factors. The unearned revenue liability is recorded in Other liabilities and\nthe amortization is recorded in Premiums, policy and contract charges.\nFor clients who pay financial planning fees prior to the advisor\u2019s delivery of the financial plan, the financial planning fees received in advance are deferred as\nunearned revenue until the plan is delivered to the client.\nShare-Based Compensation\nThe Company measures and recognizes the cost of share-based awards granted to employees and directors based on the grant-date fair value of the award and\nrecognizes the expense (net of estimated forfeitures) on a straight-line basis over the vesting period.", "1956bf59-760a-4f5b-b032-ab473fc077af": "Unearned Revenue Liability\nThe Company\u2019s UL and VUL policies require payment of fees or other policyholder assessments in advance for services to be provided in future periods. These\ncharges are deferred as unearned revenue and amortized consistent with DAC amortization factors. The unearned revenue liability is recorded in Other liabilities and\nthe amortization is recorded in Premiums, policy and contract charges.\nFor clients who pay financial planning fees prior to the advisor\u2019s delivery of the financial plan, the financial planning fees received in advance are deferred as\nunearned revenue until the plan is delivered to the client.\nShare-Based Compensation\nThe Company measures and recognizes the cost of share-based awards granted to employees and directors based on the grant-date fair value of the award and\nrecognizes the expense (net of estimated forfeitures) on a straight-line basis over the vesting period. Excess tax benefits or deficiencies are created upon distribution\nor exercise of awards and are recognized within the Income tax provision. The fair value of each option is estimated on the grant date using a Black-Scholes option-\npricing model. The Company recognizes the cost of performance share units granted to the Company\u2019s Executive Leadership Team on a fair value basis until fully\nvested.\nIncome Taxes\nThe Company\u2019s provision for income taxes represents the net amount of income taxes that the Company expects to pay or to receive from various taxing jurisdictions\nin connection with its operations. The Company provides for income taxes based on amounts that the Company believes it will ultimately owe taking into account the\nrecognition and measurement for uncertain tax positions. Inherent in\n89", "533b787e-fe14-4eff-99f0-25bc0d4469bd": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nthe provision for income taxes are estimates and judgments regarding the tax treatment of certain items.\nIn connection with the provision for income taxes, the Consolidated Financial Statements reflect certain amounts related to deferred tax assets and liabilities, which\nresult from temporary differences between the assets and liabilities measured for financial statement purposes versus the assets and liabilities measured for tax return\npurposes.\nThe Company is required to establish a valuation allowance for any portion of its deferred tax assets that management believes will not be realized. Significant\njudgment is required in determining if a valuation allowance should be established and the amount of such allowance if required. Factors used in making this\ndetermination include estimates relating to the performance of the business. Consideration is given to, among other things in making this determination: (i) future\ntaxable income exclusive of reversing temporary differences and carryforwards; (ii) future reversals of existing taxable temporary differences; (iii) taxable income in\nprior carryback years; and (iv) tax planning strategies. Management may need to identify and implement appropriate planning strategies to ensure its ability to realize\ndeferred tax assets and reduce the likelihood of the establishment of a valuation allowance with respect to such assets. With respect to the corporate alternative\nminimum tax (\u201cCAMT\u201d), we have adopted a policy of excluding future years\u2019 CAMT as a consideration within the Company\u2019s valuation allowance analysis. See\nNote 24 for additional information on the Company\u2019s valuation allowance.\nChanges in tax rates and tax law are accounted for in the period of enactment. Deferred tax assets and liabilities are adjusted for the effect of a change in tax laws or\nrates and the effect is included in income.\nRevenue Recognition\nMortality and expense risk fees are generally calculated as a percentage of the fair value of assets held in separate accounts and recognized when assessed.\nInterest income is accrued as earned using the effective interest method, which makes an adjustment of the yield for security premiums and discounts on all\nperforming fixed maturity securities classified as Available-for-Sale so that the related security or loan recognizes a constant rate of return on the outstanding balance\nthroughout its term. When actual prepayments differ significantly from originally anticipated prepayments, the retrospective effective yield is recalculated to reflect\nactual payments to date and updated future payment assumptions and a catch-up adjustment is recorded in the current period. In addition, the new effective yield,\nwhich reflects anticipated future payments, is used prospectively. Realized gains and losses on securities, other than trading securities and equity method\ninvestments, are recognized using the specific identification method on a trade date basis.\nPremiums on traditional life, DI and LTC insurance and life contingent payout annuities are net of reinsurance ceded and are recognized as revenue when due.\nVariable annuity guaranteed benefit rider charges and cost of insurance charges on UL and VUL insurance and contract charges (net of reinsurance premiums and\ncost of reinsurance for UL insurance products) and surrender charges on annuities and UL and VUL insurance are recognized as revenue when assessed.\nSee Note 4 for further discussion of accounting policies on revenue from contracts with customers.\n3. \nRecent Accounting Pronouncements\nAdoption of New Accounting Standards\nFinancial Instruments \u2013 Credit Losses \u2013 Troubled Debt Restructurings and Vintage Disclosures\nIn March 2022, the Financial Accounting Standards Board (\u201cFASB\u201d) proposed amendments to ASU 2016-13, \nFinancial Instruments\u2014Credit Losses: Measurement of\nCredit Losses on Financial Instruments \n(\u201cTopic 326\u201d). The update removes the recognition and measurement guidance for Troubled Debt Restructurings (\u201cTDRs\u201d)\nby creditors in Subtopic 310-40, \nReceivables\u2014Troubled Debt Restructurings by Creditors, \nand modifies the disclosure requirements for certain loan refinancing and\nrestructuring by creditors when a borrower is experiencing financial difficulty. Rather than applying the recognition and measurement for TDRs, an entity must apply\nthe loan refinancing and restructuring guidance to determine whether a modification results in a new loan or a continuation of an existing loan. The update also\nrequires entities to disclose current-period gross write-offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic\n326-20, \nFinancial Instruments\u2014Credit Losses\u2014Measured at Amortized Cost. \nThe amendments are to be applied prospectively, but entities may apply a modified\nretrospective transition for changes to the recognition and measurement of TDRs. For entities that have adopted Topic 326, the amendments are effective for interim\nand annual periods beginning after December 15, 2022.", "eaa9c854-f611-4958-9c51-8d484e9f2186": "Rather than applying the recognition and measurement for TDRs, an entity must apply\nthe loan refinancing and restructuring guidance to determine whether a modification results in a new loan or a continuation of an existing loan. The update also\nrequires entities to disclose current-period gross write-offs by year of origination for financing receivables and net investments in leases within the scope of Subtopic\n326-20, \nFinancial Instruments\u2014Credit Losses\u2014Measured at Amortized Cost. \nThe amendments are to be applied prospectively, but entities may apply a modified\nretrospective transition for changes to the recognition and measurement of TDRs. For entities that have adopted Topic 326, the amendments are effective for interim\nand annual periods beginning after December 15, 2022. The Company adopted the standard on January 1, 2023. The adoption of this update did not have a material\nimpact on the Company\u2019s consolidated results of operations and financial condition and modifications to disclosures are immaterial in the current period.\nBusiness Combinations \u2013 Accounting for Contract Assets and Contract Liabilities from Contracts with Customers\nIn October 2021, the FASB updated the accounting standards to require an entity (acquirer) to recognize and measure contract assets and contract liabilities acquired\nin a business combination in accordance with Topic 606, \nRevenue for Contracts with Customers\n (\u201cTopic 606\u201d). At the acquisition date, an acquirer is required to\naccount for the related revenue contracts in accordance with Topic\n90", "231c251a-4338-4536-845b-9fbbcdcaa20b": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\n606 as if it had originated the contracts. Generally, this should result in an acquirer recognizing and measuring the acquired contract assets and contract liabilities\nconsistent with how they were recognized and measured in the acquiree\u2019s financial statements (if the acquiree prepared financial statements in accordance with\nGAAP). The amendments apply to all contract assets and contract liabilities acquired in a business combination that result from contracts accounted for under the\nprincipals of Topic 606. The standard is effective for interim and annual periods beginning after December 15, 2022. The Company adopted the standard on January 1,\n2023. The adoption of this update did not have an impact on the Company\u2019s consolidated results of operations and financial condition.\nFinancial Services \u2013 Insurance \u2013 Targeted Improvements to the Accounting for Long-Duration Contracts\nIn August 2018, the FASB updated the accounting standard related to long-duration insurance contracts (ASU 2018-12). The guidance changes elements of the\nmeasurement models and disclosure requirements for an insurer\u2019s long-duration insurance contract benefits and acquisition costs by expanding the use of fair value\naccounting to certain contract benefits, requiring updates, if any, and at least annually, to assumptions used to measure liabilities for future policy benefits, changing\nthe amortization pattern of deferred acquisition costs to a constant-level basis and removing certain shadow adjustments previously recorded in AOCI. Adoption of\nthe accounting standard did not impact overall cash flows, insurance subsidiaries\u2019 dividend capacity, or regulatory capital requirements.\nWhen the Company adopted the standard effective January 1, 2023 with a transition date of January 1, 2021 (the \u201ctransition date\u201d), opening equity was adjusted for\nthe adoption impacts to retained earnings and AOCI and prior periods presented (i.e. 2021 and 2022) were restated. The adoption impact as of January 1, 2021 was a\nreduction in total equity of $\n1.9\n billion, of which $\n0.9\n billion and $\n1.0\n billion were reflected in retained earnings and AOCI, respectively.\nThe following table presents the effects of the adoption of the above new accounting standard to the Company\u2019s previously reported Consolidated Balance Sheets:\n \nAs Filed\nDecember 31,\n2022\nAdjustment\nPost-adoption\nDecember 31,\n2022\nAs Filed\nDecember 31,\n2021\nAdjustment\nPost-adoption\nDecember 31,\n2021\n(in millions)\nAssets\nMarket risk benefits\n$\n\u2014\n \n$\n1,015\n \n$\n1,015\n \n$\n\u2014\n \n$\n539\n \n$\n539\n \nReceivables (allowance for credit losses: 2022,\n$\n75\n; 2021, $\n55\n)\n15,779\n \n(\n184\n)\n15,595\n \n16,205\n \n927\n \n17,132\n \nDeferred acquisition costs\n3,160\n \n(\n383\n)\n2,777\n \n2,782\n \n62\n \n2,844\n \nOther assets\n9,341\n \n(\n64\n)\n9,277\n \n11,375\n \n297\n \n11,672\n \nTotal assets\n$\n158,468\n \n$\n384\n \n$\n158,852\n \n$\n175,910\n \n$\n1,825\n \n$\n177,735\n \nLiabilities and Equity\nLiabilities:\nPolicyholder account balances, future policy\nbenefits and claims\n$\n36,067\n \n$\n(\n1,935\n)\n$\n34,132\n \n$\n35,750\n \n$\n(\n727\n)\n$\n35,023\n \nMarket risk benefits\n\u2014\n \n2,118\n \n2,118\n \n\u2014\n \n3,440\n \n3,440\n \nOther liabilities\n6,305\n \n11\n \n6,316\n \n8,641\n \n216\n \n8,857\n \nTotal liabilities\n154,855\n \n194\n \n155,049\n \n169,969\n \n2,929\n \n172,898\n \nEquity:\nRetained earnings\n19,531\n \n387\n \n19,918\n \n17,525\n \n(\n203\n)\n17,322\n \nAccumulated other comprehensive income\n(loss), net of tax\n(\n2,349\n)\n(\n197\n)\n(\n2,546\n)\n259\n \n(\n901\n)\n(\n642\n)\nTotal equity\n3,613\n \n190\n \n3,803\n \n5,941\n \n(\n1,104\n)\n4,837\n \nTotal liabilities and equity\n$\n158,468\n \n$\n384\n \n$\n158,852\n \n$\n175,910\n \n$\n1,825\n \n$\n177,735\n \n91", "f50ffb15-85c5-419f-b19e-fab13a512cd9": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe following table presents the effects of the adoption of the above new accounting standard to the Company\u2019s previously reported Consolidated Statements of\nOperations:\n \nYears Ended December 31,\nAs Filed 2022\nAdjustment\nPost-adoption\n2022\nAs Filed 2021\nAdjustment\nPost-adoption\n2021\n(in millions, except per share amounts)\nRevenues\nDistribution fees\n$\n1,938\n \n$\n1\n \n$\n1,939\n \n$\n1,830\n \n$\n(\n2\n)\n$\n1,828\n \nPremiums, policy and contract charges\n1,411\n \n(\n14\n)\n1,397\n \n273\n \n(\n52\n)\n221\n \nTotal revenues\n14,347\n \n(\n13\n)\n14,334\n \n13,443\n \n(\n54\n)\n13,389\n \nTotal net revenues\n14,271\n \n(\n13\n)\n14,258\n \n13,431\n \n(\n54\n)\n13,377\n \nBenefits and expenses\nDistribution expenses\n4,923\n \n12\n \n4,935\n \n5,015\n \n13\n \n5,028\n \nBenefits, claims, losses and settlement expenses\n1,372\n \n(\n1,130\n)\n242\n \n716\n \n(\n872\n)\n(\n156\n)\nRemeasurement (gains) losses of future policy benefit\nreserves\n\u2014\n \n1\n \n1\n \n\u2014\n \n(\n52\n)\n(\n52\n)\nChange in fair value of market risk benefits\n\u2014\n \n311\n \n311\n \n\u2014\n \n(\n113\n)\n(\n113\n)\nAmortization of deferred acquisition costs\n208\n \n44\n \n252\n \n124\n \n135\n \n259\n \nTotal benefits and expenses\n11,089\n \n(\n762\n)\n10,327\n \n10,081\n \n(\n889\n)\n9,192\n \nPretax income\n3,182\n \n749\n \n3,931\n \n3,350\n \n835\n \n4,185\n \nIncome tax provision\n623\n \n159\n \n782\n \n590\n \n178\n \n768\n \nNet income\n$\n2,559\n \n$\n590\n \n$\n3,149\n \n$\n2,760\n \n$\n657\n \n$\n3,417\n \nEarnings per share\nBasic\n$\n22.99\n \n$\n5.30\n \n$\n28.29\n \n$\n23.53\n \n$\n5.60\n \n$\n29.13\n \nDiluted\n$\n22.51\n \n$\n5.19\n \n$\n27.70\n \n$\n23.00\n \n$\n5.48\n \n$\n28.48\n \nThe adoption of the standard did not affect the previously reported totals for net cash flows provided by (used in) operating, investing, or financing activities.\nLeases \u2013 Common Control Arrangements\nIn March 2023, the FASB proposed amendments to ASU 2016-02, \nLeases \n(\u201cTopic 842\u201d). The update applicable to all entities requires leasehold improvements\nassociated with common control leases to be amortized over the useful life of the leasehold improvements to the common control group as long as the lessee controls\nthe use of the underlying asset through a lease and to be accounted for as a transfer between entities under common control through an adjustment to equity if, and\nwhen, the lessee no longer controls the use of the underlying asset. The amendments are effective for interim and annual periods beginning after December 15, 2023.\nEarly adoption is permitted for both interim and annual financial statements that have not yet been made available for issuance. The Company early adopted the\nupdate during the second quarter of 2023 and will apply the amendments prospectively as of the beginning of 2023 to all new and existing leasehold improvements\nrecognized on or after that date with any remaining unamortized balance of existing leasehold improvements amortized over their remaining useful life to the common\ncontrol group determined at that date. The adoption of this update did not have a material impact on the Company\u2019s consolidated results of operations and financial\ncondition.\nFuture Adoption of New Accounting Standards\nSegment Reporting \u2013 Improvements to Reportable Segment Disclosures\nIn November 2023, the FASB issued ASU 2023-07, \nImprovements to Reportable Segment Disclosures\n, updating reportable segment disclosure requirements in\naccordance with Topic 280, \nSegment Reporting\n (\u201cTopic 280\u201d), primarily through enhanced disclosures about significant segment expenses. In addition, the\namendments enhance interim disclosure requirements, clarify circumstances in which an entity can disclose multiple segment measures of profit or loss and contain\nother disclosure requirements. The amendments are effective for annual periods beginning after December 15, 2023, and interim periods beginning after December 15,\n2024. Early adoption is permitted.", "19ec3ebd-d056-4959-b0c4-f0d39fbf1c1d": "The adoption of this update did not have a material impact on the Company\u2019s consolidated results of operations and financial\ncondition.\nFuture Adoption of New Accounting Standards\nSegment Reporting \u2013 Improvements to Reportable Segment Disclosures\nIn November 2023, the FASB issued ASU 2023-07, \nImprovements to Reportable Segment Disclosures\n, updating reportable segment disclosure requirements in\naccordance with Topic 280, \nSegment Reporting\n (\u201cTopic 280\u201d), primarily through enhanced disclosures about significant segment expenses. In addition, the\namendments enhance interim disclosure requirements, clarify circumstances in which an entity can disclose multiple segment measures of profit or loss and contain\nother disclosure requirements. The amendments are effective for annual periods beginning after December 15, 2023, and interim periods beginning after December 15,\n2024. Early adoption is permitted. The Company is assessing changes to the segment related disclosures resulting from the standard. The adoption of the standard\nwill not have an impact on the Company\u2019s consolidated results of operations and financial condition as the standard is disclosure-related only.\n92", "f458b592-a23b-4711-937a-ae98dfe45fa5": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nIncome Taxes \u2013 Improvements to Income Tax Disclosures\nIn December 2023, the FASB issued ASU 2023-09, \nImprovements to Income Tax Disclosures\n, updating the accounting standards related to income tax disclosures,\nprimarily focused on the disaggregation of income taxes paid and the rate reconciliation table. The standard is to be applied prospectively with an option for\nretrospective application and is effective for annual periods beginning after December 15, 2024, with early adoption permitted. The Company is assessing changes to\nthe income tax related disclosures resulting from the standard. The adoption of the standard will not have an impact on the Company\u2019s consolidated results of\noperations and financial condition as the standard is disclosure-related only.\n4. \nRevenue from Contracts with Customers\nThe following tables present revenue disaggregated by segment on an adjusted operating basis with a reconciliation of segment revenues to those reported on the\nConsolidated Statements of Operations:\nYear Ended December 31, 2023\nAdvice & Wealth\nManagement\nAsset\nManagement\nRetirement &\nProtection\nSolutions\nCorporate &\nOther\nTotal Segments\nNon-operating\nRevenue\nTotal\n(in millions)\nManagement and financial advice fees:\nAsset management fees:\nRetail\n$\n\u2014\n \n$\n1,959\n \n$\n\u2014\n \n$\n\u2014\n \n$\n1,959\n \n$\n\u2014 \n$\n1,959\n \nInstitutional\n\u2014\n \n677\n \n\u2014\n \n\u2014\n \n677\n \n\u2014 \n677\n \nAdvisory fees\n4,687\n \n\u2014\n \n\u2014\n \n\u2014\n \n4,687\n \n\u2014 \n4,687\n \nFinancial planning fees\n426\n \n\u2014\n \n\u2014\n \n\u2014\n \n426\n \n\u2014 \n426\n \nTransaction and other fees\n372\n \n195\n \n56\n \n\u2014\n \n623\n \n\u2014 \n623\n \nTotal management and financial advice fees\n5,485\n \n2,831\n \n56\n \n\u2014\n \n8,372\n \n\u2014 \n8,372\n \nDistribution fees:\nMutual funds\n723\n \n209\n \n\u2014\n \n\u2014\n \n932\n \n\u2014 \n932\n \nInsurance and annuity\n895\n \n154\n \n324\n \n\u2014\n \n1,373\n \n\u2014 \n1,373\n \nOff-balance sheet brokerage cash\n316\n \n\u2014\n \n\u2014\n \n\u2014\n \n316\n \n\u2014 \n316\n \nOther products\n339\n \n\u2014\n \n\u2014\n \n\u2014\n \n339\n \n\u2014 \n339\n \nTotal distribution fees\n2,273\n \n363\n \n324\n \n\u2014\n \n2,960\n \n\u2014 \n2,960\n \nOther revenues\n227\n \n20\n \n\u2014\n \n\u2014\n \n247\n \n\u2014 \n247\n \nTotal revenue from contracts with customers\n7,985\n \n3,214\n \n380\n \n\u2014\n \n11,579\n \n\u2014 \n11,579\n \nRevenue from other sources \n1,994\n \n64\n \n3,096\n \n553\n \n5,707\n \n160\n \n5,867\n \nTotal segment gross revenues\n9,979\n \n3,278\n \n3,476\n \n553\n \n17,286\n \n160\n \n17,446\n \nBanking and deposit interest expense\n(\n561\n)\n\u2014\n \n\u2014\n \n(\n20\n)\n(\n581\n)\n\u2014 \n(\n581\n)\nTotal segment net revenues\n9,418\n \n3,278\n \n3,476\n \n533\n \n16,705\n \n160\n \n16,865\n \nElimination of intersegment revenues\n(\n847\n)\n(\n79\n)\n(\n411\n)\n19\n \n(\n1,318\n)\n(\n12\n)\n(\n1,330\n)\nTotal net revenues\n$\n8,571\n \n$\n3,199\n \n$\n3,065\n \n$\n552\n \n$\n15,387\n \n$\n148\n \n$\n15,535\n \n(1)\n93", "abd3e9d4-6bab-455c-83fc-4a9c992cfcdd": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nYear Ended December 31, 2022\nAdvice & Wealth\nManagement\nAsset\nManagement\nRetirement &\nProtection\nSolutions\nCorporate &\nOther\nTotal Segments\nNon-operating\nRevenue\nTotal\n(in millions)\nManagement and financial advice fees:\nAsset management fees:\nRetail\n$\n\u2014\n \n$\n2,179\n \n$\n\u2014\n \n$\n\u2014\n \n$\n2,179\n \n$\n\u2014 \n$\n2,179\n \nInstitutional\n\u2014\n \n678\n \n\u2014\n \n\u2014\n \n678\n \n\u2014 \n678\n \nAdvisory fees\n4,526\n \n\u2014\n \n\u2014\n \n\u2014\n \n4,526\n \n\u2014 \n4,526\n \nFinancial planning fees\n410\n \n\u2014\n \n\u2014\n \n\u2014\n \n410\n \n\u2014 \n410\n \nTransaction and other fees\n372\n \n210\n \n59\n \n\u2014\n \n641\n \n\u2014 \n641\n \nTotal management and financial advice fees\n5,308\n \n3,067\n \n59\n \n\u2014\n \n8,434\n \n\u2014 \n8,434\n \nDistribution fees:\nMutual funds\n741\n \n231\n \n\u2014\n \n\u2014\n \n972\n \n\u2014 \n972\n \nInsurance and annuity\n845\n \n166\n \n348\n \n\u2014\n \n1,359\n \n\u2014 \n1,359\n \nOff-balance sheet brokerage cash\n324\n \n\u2014\n \n\u2014\n \n\u2014\n \n324\n \n\u2014 \n324\n \nOther products\n339\n \n\u2014\n \n\u2014\n \n\u2014\n \n339\n \n\u2014 \n339\n \nTotal distribution fees\n2,249\n \n397\n \n348\n \n\u2014\n \n2,994\n \n\u2014 \n2,994\n \nOther revenues\n211\n \n10\n \n\u2014\n \n\u2014\n \n221\n \n\u2014 \n221\n \nTotal revenue from contracts with customers\n7,768\n \n3,474\n \n407\n \n\u2014\n \n11,649\n \n\u2014 \n11,649\n \nRevenue from other sources \n769\n \n32\n \n2,717\n \n484\n \n4,002\n \n14\n \n4,016\n \nTotal segment gross revenues\n8,537\n \n3,506\n \n3,124\n \n484\n \n15,651\n \n14\n \n15,665\n \nBanking and deposit interest expense\n(\n76\n)\n\u2014\n \n\u2014\n \n(\n5\n)\n(\n81\n)\n\u2014 \n(\n81\n)\nTotal segment net revenues\n8,461\n \n3,506\n \n3,124\n \n479\n \n15,570\n \n14\n \n15,584\n \nElimination of intersegment revenues\n(\n847\n)\n(\n52\n)\n(\n420\n)\n3\n \n(\n1,316\n)\n(\n10\n)\n(\n1,326\n)\nTotal net revenues\n$\n7,614\n \n$\n3,454\n \n$\n2,704\n \n$\n482\n \n$\n14,254\n \n$\n4\n \n$\n14,258\n \n(1)\n94", "ec92e8b5-6b46-4231-bea2-9be8ea938006": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nYear Ended December 31, 2021\nAdvice & Wealth\nManagement\nAsset\nManagement\nRetirement &\nProtection\nSolutions\nCorporate &\nOther\nTotal Segments\nNon-operating\nRevenue\nTotal\n(in millions)\nManagement and financial advice fees:\nAsset management fees:\nRetail\n$\n\u2014\n \n$\n2,309\n \n$\n\u2014\n \n$\n\u2014\n \n$\n2,309\n \n$\n\u2014 \n$\n2,309\n \nInstitutional\n\u2014\n \n645\n \n\u2014\n \n\u2014\n \n645\n \n\u2014 \n645\n \nAdvisory fees\n4,539\n \n\u2014\n \n\u2014\n \n\u2014\n \n4,539\n \n\u2014 \n4,539\n \nFinancial planning fees\n386\n \n\u2014\n \n\u2014\n \n\u2014\n \n386\n \n\u2014 \n386\n \nTransaction and other fees\n372\n \n223\n \n70\n \n\u2014\n \n665\n \n\u2014 \n665\n \nTotal management and financial advice fees\n5,297\n \n3,177\n \n70\n \n\u2014\n \n8,544\n \n\u2014 \n8,544\n \nDistribution fees:\nMutual funds\n858\n \n276\n \n\u2014\n \n\u2014\n \n1,134\n \n\u2014 \n1,134\n \nInsurance and annuity\n994\n \n195\n \n409\n \n\u2014\n \n1,598\n \n\u2014 \n1,598\n \nOff-balance sheet brokerage cash\n60\n \n\u2014\n \n\u2014\n \n\u2014\n \n60\n \n\u2014 \n60\n \nOther products\n341\n \n\u2014\n \n\u2014\n \n\u2014\n \n341\n \n\u2014 \n341\n \nTotal distribution fees\n2,253\n \n471\n \n409\n \n\u2014\n \n3,133\n \n\u2014 \n3,133\n \nOther revenues\n196\n \n4\n \n\u2014\n \n\u2014\n \n200\n \n\u2014 \n200\n \nTotal revenue from contracts with customers\n7,746\n \n3,652\n \n479\n \n\u2014\n \n11,877\n \n\u2014 \n11,877\n \nRevenue from other sources \n287\n \n30\n \n2,751\n \n489\n \n3,557\n \n(\n454\n)\n3,103\n \nTotal segment gross revenues\n8,033\n \n3,682\n \n3,230\n \n489\n \n15,434\n \n(\n454\n)\n14,980\n \nBanking and deposit interest expense\n(\n12\n)\n\u2014\n \n\u2014\n \n(\n2\n)\n(\n14\n)\n\u2014 \n(\n14\n)\nTotal segment net revenues\n8,021\n \n3,682\n \n3,230\n \n487\n \n15,420\n \n(\n454\n)\n14,966\n \nElimination of intersegment revenues\n(\n1,043\n)\n(\n50\n)\n(\n478\n)\n(\n2\n)\n(\n1,573\n)\n(\n16\n)\n(\n1,589\n)\nTotal net revenues\n$\n6,978\n \n$\n3,632\n \n$\n2,752\n \n$\n485\n \n$\n13,847\n \n$\n(\n470\n)\n$\n13,377\n \n Revenues not included in the scope of the revenue from contracts with customers standard. The amounts primarily consist of revenue associated with insurance and annuity\nproducts and investment income from financial instruments.\nThe following discussion describes the nature, timing, and uncertainty of revenues and cash flows arising from the Company\u2019s contracts with customers on a\nconsolidated basis.\nManagement and Financial Advice Fees\nAsset Management Fees\nThe Company earns revenue for performing asset management services for retail and institutional clients. The revenue is earned based on a fixed or tiered rate\napplied, as a percentage, to assets under management. Assets under management vary with market fluctuations and client behavior. The asset management\nperformance obligation is considered a series of distinct services that are substantially the same and are satisfied each day over the contract term. Asset management\nfees are accrued, invoiced and collected on a monthly or quarterly basis.\nThe Company\u2019s asset management contracts for Open Ended Investment Companies (\u201cOEICs\u201d) in the United Kingdom (\u201cU.K.\u201d) and Soci\u00e9t\u00e9 d'Investissement \u00e0\nCapital Variable (\u201cSICAVs\u201d) in Europe include performance obligations for asset management and fund distribution services. The amounts received for these services\nare reported as Management and financial advice fees. The revenue recognition pattern is the same for both performance obligations as the fund distribution services\nrevenue is variably constrained due to factors outside the Company\u2019s control including market volatility and client behavior (such as how long clients hold their\ninvestment) and not recognized until assets under management are known.\nThe Company may also earn performance-based management fees on institutional accounts, hedge funds, collateralized loan obligations (\u201cCLOs\u201d), OEICs, SICAVs\nand property and other funds based on a percentage of account returns in excess of either a benchmark index or a contractually specified level.", "9849fafe-fd8f-4a08-bea6-9106ee193964": "The Company\u2019s asset management contracts for Open Ended Investment Companies (\u201cOEICs\u201d) in the United Kingdom (\u201cU.K.\u201d) and Soci\u00e9t\u00e9 d'Investissement \u00e0\nCapital Variable (\u201cSICAVs\u201d) in Europe include performance obligations for asset management and fund distribution services. The amounts received for these services\nare reported as Management and financial advice fees. The revenue recognition pattern is the same for both performance obligations as the fund distribution services\nrevenue is variably constrained due to factors outside the Company\u2019s control including market volatility and client behavior (such as how long clients hold their\ninvestment) and not recognized until assets under management are known.\nThe Company may also earn performance-based management fees on institutional accounts, hedge funds, collateralized loan obligations (\u201cCLOs\u201d), OEICs, SICAVs\nand property and other funds based on a percentage of account returns in excess of either a benchmark index or a contractually specified level. This revenue is\nvariable and impacted primarily by the performance of the assets being managed compared to the benchmark index or contractually specified level. The revenue is not\nrecognized until it is probable that a significant reversal will not occur. Performance-based management fees are invoiced on a quarterly or annual basis.\n(1)\n(1)\n95", "6214da65-aa38-4e9e-a6f8-360ec67b3eaa": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nAdvisory Fees\nThe Company earns revenue for performing investment advisory services for certain brokerage customer\u2019s discretionary and non-discretionary managed accounts.\nThe revenue is earned based on a contractual fixed rate applied, as a percentage, to the market value of assets held in the account. The investment advisory\nperformance obligation is considered a series of distinct services that are substantially the same and are satisfied each day over the contract term. Advisory fees are\nbilled on a monthly basis on the prior month end assets.\nFinancial Planning Fees\nThe Company earns revenue for providing financial plans to its clients. The revenue earned for each financial plan is either a fixed fee (received monthly, quarterly or\nannually) or a variable fee (received monthly) based on a contractual fixed rate applied, as a percentage, to the prior month end assets held in a client\u2019s investment\nadvisory account. The financial planning fee is based on the complexity of a client\u2019s financial and life situation and his or her advisor\u2019s experience. The performance\nobligation is satisfied at the time the financial plan is delivered to the customer. The Company records a contract liability for the unearned revenue when cash is\nreceived before the plan is delivered. The financial plan contracts with clients are annual contracts. Amounts recorded as a contract liability are recognized as\nrevenue when the financial plan is delivered, which occurs within the annual contract period.\nFor fixed fee arrangements, revenue is recognized when the financial plan is delivered. The Company accrues revenue for any amounts that have not been received at\nthe time the financial plan is delivered.\nFor variable fee arrangements, revenue is recognized for cash that has been received when the financial plan is delivered. The amount received after the plan is\ndelivered is variably constrained due to factors outside the Company\u2019s control including market volatility and client behavior. The revenue is recognized when it is\nprobable that a significant reversal will not occur and is generally each month end as the advisory account balance uncertainty is resolved.\nContract liabilities for financial planning fees, which are included in Other liabilities, were $\n168\n million and $\n160\n million as of December 31, 2023 and 2022, respectively.\nThe Company pays sales commissions to advisors when a new financial planning contract is obtained or when an existing contract is renewed. The sales\ncommissions paid to the advisors prior to financial plan delivery are considered costs to obtain a contract with a customer and are initially capitalized. When the\nperformance obligation to deliver the financial plan is satisfied, the commission is recognized as distribution expense. Capitalized costs to obtain these contracts are\nreported in Other assets, and were $\n135\n million and $\n129\n million as of December 31, 2023 and 2022, respectively.\nTransaction and Other Fees\nThe Company earns revenue for providing customer support, shareholder and administrative services (including transfer agent services) for affiliated mutual funds\nand networking, sub-accounting and administrative services for unaffiliated mutual funds. The Company also receives revenue for providing custodial services and\naccount maintenance services on brokerage and retirement accounts that are not included in an advisory relationship. Transfer agent and administrative revenue is\nearned based on either a fixed rate applied, as a percentage, to assets under management or an annual fixed fee for each fund position. Networking and sub-\naccounting revenue is earned based on either an annual fixed fee for each account or an annual fixed fee for each fund position. Custodial and account maintenance\nrevenue is generally earned based on a quarterly or annual fixed fee for each account. Each of the customer support and administrative services performance\nobligations are considered a series of distinct services that are substantially the same and are satisfied each day over the contract term. Transaction and other fees\n(other than custodial service fees) are invoiced or charged to brokerage accounts on a monthly or quarterly basis. Custodial service fees are invoiced or charged to\nbrokerage accounts on an annual basis.\nThe Company earns revenue for providing trade execution services to franchise advisors. The trade execution performance obligation is satisfied at the time of each\ntrade and the revenue is primarily earned based on a fixed fee per trade. These fees are invoiced and collected on a semi-monthly basis.\nDistribution Fees\nMutual Funds and Insurance and Annuity Products\nThe Company earns revenue for selling affiliated and unaffiliated mutual funds, fixed and variable annuities and insurance products. The performance obligation is\nsatisfied at the time of each individual sale. A portion of the revenue is based on a fixed rate applied, as a percentage, to amounts invested at the time of sale.", "96916952-7ce9-475e-81a4-df7364ed2da5": "Transaction and other fees\n(other than custodial service fees) are invoiced or charged to brokerage accounts on a monthly or quarterly basis. Custodial service fees are invoiced or charged to\nbrokerage accounts on an annual basis.\nThe Company earns revenue for providing trade execution services to franchise advisors. The trade execution performance obligation is satisfied at the time of each\ntrade and the revenue is primarily earned based on a fixed fee per trade. These fees are invoiced and collected on a semi-monthly basis.\nDistribution Fees\nMutual Funds and Insurance and Annuity Products\nThe Company earns revenue for selling affiliated and unaffiliated mutual funds, fixed and variable annuities and insurance products. The performance obligation is\nsatisfied at the time of each individual sale. A portion of the revenue is based on a fixed rate applied, as a percentage, to amounts invested at the time of sale. The\nremaining revenue is recognized over the time the client owns the investment or holds the contract and is generally earned based on a fixed rate applied, as a\npercentage, to the net asset value of the fund, or the value of the insurance policy or annuity contract. The ongoing revenue is not recognized at the time of sale\nbecause it is variably constrained due to factors outside the Company\u2019s control including market volatility and client behavior (such as how long clients hold their\ninvestment, insurance policy or annuity contract). This ongoing revenue may be recognized for many years after the initial sale. The revenue will not be recognized\nuntil it is probable that a significant reversal will not occur.\n96", "5120826e-41a0-4756-8d5d-35b4c85cdc9b": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe Company earns revenue for providing unaffiliated partners an opportunity to educate the Company\u2019s advisors or to support availability and distribution of their\nproducts on the Company\u2019s platforms. These payments allow the outside parties to train and support the advisors, explain the features of their products and\ndistribute marketing and educational materials, and support trading and operational systems necessary to enable the Company\u2019s client servicing and production\ndistribution efforts. The Company earns revenue for placing and maintaining unaffiliated fund partners and insurance companies\u2019 products on the Company\u2019s sales\nplatform (subject to the Company\u2019s due diligence standards). The revenue is primarily earned based on a fixed fee or a fixed rate applied, as a percentage, to the\nmarket value of assets invested. These performance obligations are considered a series of distinct services that are substantially the same and are satisfied each day\nover the contract term. These fees are invoiced and collected on monthly basis.\nOff-Balance Sheet Brokerage Cash\nThe Company earns revenue for placing clients\u2019 deposits in its brokerage sweep program with third-party banks. The amount received from the third-party banks is\nimpacted by short-term interest rates. The performance obligation with the financial institutions that participate in the sweep program is considered a series of distinct\nservices that are substantially the same and are satisfied each day over the contract term. The revenue is earned daily and settled monthly based on a rate applied,\nas a percentage, to the deposits placed.\nOther Products\nThe Company earns revenue for selling unaffiliated alternative products. The performance obligation is satisfied at the time of each individual sale. A portion of the\nrevenue is based on a fixed rate applied, as a percentage, to amounts invested at the time of sale. The remaining revenue is recognized over the time the client owns\nthe investment and is earned generally based on a fixed rate applied, as a percentage, to the market value of the investment. The ongoing revenue is not recognized at\nthe time of sale because it is variably constrained due to factors outside the Company\u2019s control including market volatility and client behavior (such as how long\nclients hold their investment). The revenue will not be recognized until it is probable that a significant reversal will not occur.\nThe Company earns revenue from brokerage clients for the execution of requested trades. The performance obligation is satisfied at the time of trade execution and\namounts are received on the settlement date. The revenue varies for each trade based on various factors that include the type of investment, dollar amount of the\ntrade and how the trade is executed (online or broker assisted).\nOther Revenues\nThe Company earns revenue from fees charged to franchise advisors for providing various services the advisors need to manage and grow their practices. The\nprimary services include: licensing of intellectual property and software, compliance supervision, insurance coverage, technology services and support, consulting\nand other services. The services are either provided by the Company or third- party providers. The Company controls the services provided by third parties as it has\nthe right to direct the third parties to perform the services, is primarily responsible for performing the services and sets the prices the advisors are charged. The\nCompany recognizes revenue for the gross amount of the fees received from the advisors. The fees are primarily collected monthly as a reduction of commission\npayments.\nIntellectual property and software licenses, along with compliance supervision, insurance coverage, and technology services and support are primarily earned based\non a monthly fixed fee. These services are considered a series of distinct services that are substantially the same and are satisfied each day over the contract term.\nThe consulting and other services performance obligations are satisfied as the services are delivered and revenue is earned based upon the level of service\nrequested.\nContract Costs Asset\nThe Company has an asset of $\n25\n million and $\n33\n million as of December 31, 2023 and 2022, respectively, related to the transition of investment advisory services\nunder an arrangement with BMO Financial Group for clients that elected to transfer U.S. retail and institutional assets to the Company.\nReceivables\nReceivables for revenue from contracts with customers are recognized when the performance obligation is satisfied and the Company has an unconditional right to\nthe revenue. Receivables related to revenues from contracts with customers were $\n537\n million as of both December 31, 2023 and 2022.\n5. \nVariable Interest Entities\nThe Company provides asset management services to investment entities which are considered to be VIEs, such as CLOs, hedge funds and other private funds,\nproperty funds, and certain non-U.S.", "877c4acf-0110-4017-9b1e-677959c309da": "Contract Costs Asset\nThe Company has an asset of $\n25\n million and $\n33\n million as of December 31, 2023 and 2022, respectively, related to the transition of investment advisory services\nunder an arrangement with BMO Financial Group for clients that elected to transfer U.S. retail and institutional assets to the Company.\nReceivables\nReceivables for revenue from contracts with customers are recognized when the performance obligation is satisfied and the Company has an unconditional right to\nthe revenue. Receivables related to revenues from contracts with customers were $\n537\n million as of both December 31, 2023 and 2022.\n5. \nVariable Interest Entities\nThe Company provides asset management services to investment entities which are considered to be VIEs, such as CLOs, hedge funds and other private funds,\nproperty funds, and certain non-U.S. series funds (such as OEICs and SICAVs) (collectively, \u201cinvestment entities\u201d), which are sponsored by the Company. In\naddition, the Company invests in structured investments other than CLOs and certain affordable housing partnerships which are considered VIEs. The Company\nconsolidates certain investment entities (collectively, \u201cconsolidated investment entities\u201d) if the Company is deemed to be the primary beneficiary. The Company has\nno\n obligation to provide financial or other support to the non-consolidated VIEs beyond its initial investment and existing future funding commitments, and the\nCompany has not provided any additional support to these entities. The Company has unfunded commitments related to consolidated CLOs of $\n24\n million and $\n30\nmillion as of December 31, 2023 and 2022, respectively.\nSee Note 2 for further discussion of the Company\u2019s accounting policy on consolidation.\n97", "4dc8922d-3c89-4c97-973f-eb3c08aecccd": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nStructured Investments\nThe Company invests in structured investments which are considered VIEs for which it is not the sponsor. These structured investments typically invest in fixed\nincome instruments and are managed by third parties and include asset backed securities and commercial and residential mortgage backed securities. The Company\nclassifies these investments as Available-for-Sale securities. The Company has determined that it is not the primary beneficiary of these structures due to the size of\nthe Company\u2019s investment in the entities and position in the capital structure of these entities.\nAdditionally, the Company invests in CLOs for which it is the sponsor. CLOs are asset backed financing entities collateralized by a pool of assets, primarily\nsyndicated loans and, to a lesser extent, high-yield bonds. Multiple tranches of debt securities are issued by a CLO, offering investors various maturity and credit risk\ncharacteristics. The debt securities issued by the CLOs are non-recourse to the Company. The CLO\u2019s debt holders have recourse only to the assets of the CLO. The\nassets of the CLOs cannot be used by the Company. Scheduled debt payments are based on the performance of the CLO\u2019s collateral pool. The Company earns\nmanagement fees from the CLOs based on the value of the CLO\u2019s collateral pool and, in certain instances, may also receive incentive fees. The fee arrangement is at\nmarket and commensurate with the level of effort required to provide those services. The Company has invested in a portion of the unrated, junior subordinated\nnotes and highly rated senior notes of certain CLOs. The Company consolidates certain CLOs where it is the primary beneficiary and has the power to direct the\nactivities that most significantly impact the economic performance of the CLO.\nThe Company's maximum exposure to loss with respect to structured investments and non-consolidated CLOs is limited to its amortized cost. The Company classifies\nthese investments as Available-for-Sale securities. See Note 6 for additional information on these investments.\nOther Non-Consolidated VIEs\nThe Company\u2019s investments in other non-consolidated VIEs are recorded in other investments. The Company\u2019s maximum exposure to loss with respect to its\ninvestments in these non-consolidated VIEs is limited to its carrying value. The carrying value of other non-consolidated VIEs was $\n168\n million and $\n174\n million as of\nDecember 31, 2023 and 2022, respectively. The Company\u2019s liability related to original purchase commitments not yet remitted to the VIEs was not material as of both\nDecember 31, 2023 and 2022, respectively. The Company has not provided any additional support to the VIEs beyond the funding commitments.\nProperty Funds, Non-US Series Funds, Hedge Funds and other Private Funds\nThe Company provides investment advice and other related services to property funds, non-U.S. series funds, hedge funds and other private funds, some of which\nare considered VIEs. For investment management services, the Company generally earns management fees based on the market value of assets under management,\nand in certain instances may also receive performance-based fees. The fee arrangements are at market and commensurate with the level of effort required to provide\nthose services. The Company does not have a significant economic interest and is not required to consolidate any of these funds.\nAffordable Housing Partnerships and Other Real Estate Partnerships\nThe Company is a limited partner in affordable housing partnerships that qualify for government-sponsored low income housing tax credit programs and partnerships\nthat invest in multi-family residential properties that were originally developed with an affordable housing component. The Company has determined it is not the\nprimary beneficiary and therefore does not consolidate these partnerships. A majority of the limited partnerships are VIEs.\n98", "2f58bd56-4c3c-4f0b-810e-0bb8023f9afe": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nFair Value of Assets and Liabilities\nThe Company categorizes its fair value measurements according to a three-level hierarchy. See Note 16 for the definition of the three levels of the fair value hierarchy.\nThe following tables present the balances of assets and liabilities held by consolidated investment entities measured at fair value on a recurring basis:\n \nDecember 31, 2023\nLevel 1\nLevel 2\nLevel 3\nTotal\n(in millions)\nAssets\n \n \n \n \nInvestments:\n \n \n \n \nCorporate debt securities\n$\n\u2014\n \n$\n40\n \n$\n\u2014\n \n$\n40\n \nCommon stocks\n\u2014\n \n5\n \n\u2014\n \n5\n \nSyndicated loans\n\u2014\n \n1,991\n \n63\n \n2,054\n \nTotal investments\n\u2014\n \n2,036\n \n63\n \n2,099\n \nReceivables\n\u2014\n \n28\n \n\u2014\n \n28\n \nOther assets\n\u2014\n \n1\n \n\u2014\n \n1\n \nTotal assets at fair value\n$\n\u2014\n \n$\n2,065\n \n$\n63\n \n$\n2,128\n \nLiabilities\n \n \n \n \nDebt \n$\n\u2014\n \n$\n2,155\n \n$\n\u2014\n \n$\n2,155\n \nOther liabilities\n\u2014\n \n45\n \n\u2014\n \n45\n \nTotal liabilities at fair value\n$\n\u2014\n \n$\n2,200\n \n$\n\u2014\n \n$\n2,200\n \n \nDecember 31, 2022\nLevel 1\nLevel 2\nLevel 3\nTotal\n(in millions)\nAssets\n \n \n \n \nInvestments:\n \n \n \n \nCorporate debt securities\n$\n\u2014\n \n$\n35\n \n$\n\u2014\n \n$\n35\n \nCommon stocks\n\u2014\n \n3\n \n\u2014\n \n3\n \nSyndicated loans\n\u2014\n \n2,191\n \n125\n \n2,316\n \nTotal investments\n\u2014\n \n2,229\n \n125\n \n2,354\n \nReceivables\n\u2014\n \n20\n \n\u2014\n \n20\n \nOther assets\n\u2014\n \n1\n \n1\n \n2\n \nTotal assets at fair value\n$\n\u2014\n \n$\n2,250\n \n$\n126\n \n$\n2,376\n \nLiabilities\n \n \n \n \nDebt \n$\n\u2014\n \n$\n2,363\n \n$\n\u2014\n \n$\n2,363\n \nOther liabilities\n\u2014\n \n119\n \n\u2014\n \n119\n \nTotal liabilities at fair value\n$\n\u2014\n \n$\n2,482\n \n$\n\u2014\n \n$\n2,482\n \n The carrying value of the CLOs\u2019 debt is set equal to the fair value of the CLOs\u2019 assets. The estimated fair value of the CLOs\u2019 debt was $\n2.1\n billion and $\n2.4\n billion as of December\n31, 2023 and 2022, respectively.\n(1)\n(1)\n(1)\n99", "ac47ead5-f967-4d1b-b44a-3e69ed9375be": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe following tables provide a summary of changes in Level 3 assets held by consolidated investment entities measured at fair value on a recurring basis:\n \nSyndicated Loans\nOther Assets\n(in millions)\nBalance at January 1, 2023\n$\n125\n \n$\n1\n \nTotal gains (losses) included in:\nNet income\n(\n4\n)\n(1)\n\u2014\n \nPurchases\n45\n \n\u2014\n \nSales\n(\n10\n)\n\u2014\n \nSettlements\n(\n16\n)\n\u2014\n \nTransfers into Level 3\n122\n \n\u2014\n \nTransfers out of Level 3\n(\n199\n)\n(\n1\n)\nBalance at December 31, 2023\n$\n63\n \n$\n\u2014\n \nChanges in unrealized gains (losses) included in net income relating to assets held at December 31, 2023\n$\n(\n1\n)\n(1)\n$\n\u2014\n \n \nCommon Stocks\nSyndicated Loans\nOther Assets\n(in millions)\nBalance at January 1, 2022\n$\n\u2014\n \n$\n64\n \n$\n3\n \nTotal gains (losses) included in:\nNet income\n\u2014\n \n(\n11\n)\n(1)\n\u2014\n \nPurchases\n\u2014\n \n69\n \n\u2014\n \nSales\n\u2014\n \n(\n4\n)\n\u2014\n \nSettlements\n\u2014\n \n(\n8\n)\n\u2014\n \nTransfers into Level 3\n2\n \n218\n \n1\n \nTransfers out of Level 3\n(\n2\n)\n(\n203\n)\n(\n3\n)\nBalance at December 31, 2022\n$\n\u2014\n \n$\n125\n \n$\n1\n \nChanges in unrealized gains (losses) included in net income relating to assets held at December\n31, 2022\n$\n\u2014\n \n$\n(\n10\n)\n(1)\n$\n\u2014\n \n \nSyndicated Loans\nOther Assets\n(in millions)\nBalance at January 1, 2021\n$\n92\n \n$\n2\n \nTotal gains (losses) included in:\nNet income\n2\n \n(1)\n1\n \n(1)\nPurchases\n106\n \n\u2014\n \nSales\n(\n38\n)\n\u2014\n \nSettlements\n(\n49\n)\n\u2014\n \nTransfers into Level 3\n119\n \n2\n \nTransfers out of Level 3\n(\n150\n)\n(\n2\n)\nDeconsolidation of consolidated investment entities\n(\n18\n)\n\u2014\n \nBalance at December 31, 2021\n$\n64\n \n$\n3\n \nChanges in unrealized gains (losses) included in net income relating to assets held at December 31, 2021\n$\n\u2014\n \n$\n1\n \n(1)\n Included in Net investment income.\nSecurities and loans transferred from Level 3 primarily represent assets with fair values that are now obtained from a third-party pricing service with observable inputs\nor priced in active markets. Securities and loans transferred to Level 3 represent assets with fair values that are now based on a single non-binding broker quote.\n(1)\n100", "9bb98c0b-aa05-47e1-ba8c-d013679a4475": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nAll Level 3 measurements as of December 31, 2023 and 2022 were obtained from non-binding broker quotes where unobservable inputs utilized in the fair value\ncalculation are not reasonably available to the Company.\nDetermination of Fair Value\nAssets\nInvestments\nThe fair value of syndicated loans obtained from third-party pricing services using a market approach with observable inputs is classified as Level 2. The fair value of\nsyndicated loans obtained from third-party pricing services with a single non-binding broker quote as the underlying valuation source is classified as Level 3. The\nunderlying inputs used in non-binding broker quotes are not readily available to the Company. See Note 16 for a description of the Company\u2019s determination of the\nfair value of corporate debt securities, common stocks and other investments.\nReceivables\nFor receivables of the consolidated CLOs, the carrying value approximates fair value as the nature of these assets has historically been short-term and the receivables\nhave been collectible. The fair value of these receivables is classified as Level 2.\nLiabilities\nDebt\nThe fair value of the CLOs\u2019 assets, typically syndicated bank loans, is more observable than the fair value of the CLOs\u2019 debt tranches for which market activity is\nlimited and less transparent. As a result, the fair value of the CLOs\u2019 debt is set equal to the fair value of the CLOs\u2019 assets and is classified as Level 2.\nOther Liabilities\nOther liabilities consist primarily of securities purchased but not yet settled held by consolidated CLOs. The carrying value approximates fair value as the nature of\nthese liabilities has historically been short-term. The fair value of these liabilities is classified as Level 2. Other liabilities also include accrued interest on CLO debt.\nFair Value Option\nThe Company has elected the fair value option for the financial assets and liabilities of the consolidated CLOs. Management believes that the use of the fair value\noption better matches the changes in fair value of assets and liabilities related to the CLOs.\nThe following table presents the fair value and unpaid principal balance of loans and debt for which the fair value option has been elected:\n \nDecember 31,\n2023\n2022\n(in millions)\nSyndicated loans\n \n \nUnpaid principal balance\n$\n2,190\n \n$\n2,525\n \nExcess unpaid principal over fair value\n(\n136\n)\n(\n209\n)\nFair value\n$\n2,054\n \n$\n2,316\n \nFair value of loans more than 90 days past due\n$\n\u2014\n \n$\n\u2014\n \nFair value of loans in nonaccrual status\n13\n \n23\n \nDifference between fair value and unpaid principal of loans more than 90 days past due, loans in nonaccrual status or both\n40\n \n48\n \nDebt\n \n \nUnpaid principal balance\n$\n2,362\n \n$\n2,636\n \nExcess unpaid principal over fair value\n(\n207\n)\n(\n273\n)\nCarrying value \n$\n2,155\n \n$\n2,363\n \n The carrying value of the CLOs\u2019 debt is set equal to the fair value of the CLOs\u2019 assets. The estimated fair value of the CLOs\u2019 debt was $\n2.1\n billion and $\n2.4\n billion as of December\n31, 2023 and 2022, respectively.\nInterest income from syndicated loans, bonds and structured investments is recorded based on contractual rates in Net investment income. Gains and losses related\nto changes in the fair value of investments and gains and losses on sales of investments are also recorded in Net investment income. Interest expense on debt is\nrecorded in Interest and debt expense with gains and losses related to changes in the fair value of debt recorded in Net investment income.\n(1)\n(1)\n101", "c1078b12-3cdb-4c20-942b-e1590749d4c1": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nTotal net gains (losses) recognized in Net investment income related to the changes in fair value of investments the Company owns in the consolidated CLOs where\nit has elected the fair value option and collateralized financing entity accounting were immaterial for the years ended December 31, 2023, 2022 and 2021.\nDebt of the consolidated investment entities and the stated interest rates were as follows:\n \nCarrying Value\nWeighted Average \nInterest Rate\nDecember 31,\nDecember 31,\n2023\n2022\n2023\n2022\n(in millions)\n \nDebt of consolidated CLOs due 2028 -2034\n$\n2,155\n \n$\n2,363\n \n6.6\n \n%\n5.3\n \n%\nThe debt of the consolidated CLOs has both fixed and floating interest rates, which range from \nnil\n to \n14.8\n%. The interest rates on the debt of CLOs are weighted\naverage rates based on the outstanding principal and contractual interest rates.\n6. \nInvestments\nThe following is a summary of Ameriprise Financial investments:\n \nDecember 31,\n2023\n2022\n(in millions)\nAvailable-for-Sale securities, at fair value\n$\n51,562\n \n$\n40,811\n \nMortgage loans (allowance for credit losses: 2023, $\n14\n; 2022, $\n12\n)\n2,118\n \n1,987\n \nPolicy loans\n912\n \n847\n \nOther investments (allowance for credit losses: 2023, $\n6\n; 2022, $\n5\n)\n897\n \n879\n \nTotal\n$\n55,489\n \n$\n44,524\n \nOther investments primarily reflect the Company\u2019s interests in affordable housing partnerships, trading securities, equity securities, seed money investments in\nproprietary funds, syndicated loans, credit card receivables and certificates of deposit with original or remaining maturities at the time of purchase of more than 90\ndays.\nThe following is a summary of Net investment income:\n \nYears Ended December 31,\n2023\n2022\n2021\n(in millions)\nInvestment income on fixed maturities\n$\n2,637\n \n$\n1,320\n \n$\n933\n \nNet realized gains (losses)\n(\n27\n)\n(\n87\n)\n636\n \nOther\n415\n \n139\n \n(\n1\n)\nConsolidated investment entities\n181\n \n102\n \n115\n \nTotal\n$\n3,206\n \n$\n1,474\n \n$\n1,683\n \n Prior period amounts associated with affordable housing partnerships have been reclassified to Other to conform to current year presentation.\nAvailable-for-Sale securities distributed by type were as follows:\nDecember 31, 2023\nDescription of Securities\nAmortized Cost\nGross Unrealized\nGains\nGross\nUnrealized\nLosses\nAllowance for\nCredit Losses\nFair Value\n \n(in millions)\nCorporate debt securities\n$\n12,675\n \n$\n409\n \n$\n(\n507\n)\n$\n(\n1\n)\n$\n12,576\n \nResidential mortgage backed securities\n22,130\n \n107\n \n(\n1,171\n)\n\u2014\n \n21,066\n \nCommercial mortgage backed securities\n6,380\n \n11\n \n(\n341\n)\n\u2014\n \n6,050\n \nAsset backed securities\n8,353\n \n25\n \n(\n59\n)\n\u2014\n \n8,319\n \nState and municipal obligations\n719\n \n62\n \n(\n20\n)\n(\n1\n)\n760\n \nU.S. government and agency obligations\n2,739\n \n1\n \n\u2014\n \n\u2014\n \n2,740\n \nForeign government bonds and obligations\n19\n \n\u2014\n \n(\n1\n)\n\u2014\n \n18\n \nOther securities\n33\n \n\u2014\n \n\u2014\n \n\u2014\n \n33\n \nTotal\n$\n53,048\n \n$\n615\n \n$\n(\n2,099\n)\n$\n(\n2\n)\n$\n51,562\n \n(1)\n(1)\n(1)\n102", "a84d07fd-04bd-4d42-bc09-c1f87f6e3a88": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nDecember 31, 2022\nDescription of Securities\nAmortized Cost\nGross Unrealized\nGains\nGross\nUnrealized\nLosses\nAllowance for\nCredit Losses\nFair Value\n \n(in millions)\nCorporate debt securities\n$\n10,361\n \n$\n180\n \n$\n(\n823\n)\n$\n(\n20\n)\n$\n9,698\n \nResidential mortgage backed securities\n17,056\n \n37\n \n(\n1,390\n)\n\u2014\n \n15,703\n \nCommercial mortgage backed securities\n6,648\n \n3\n \n(\n439\n)\n\u2014\n \n6,212\n \nAsset backed securities\n6,408\n \n14\n \n(\n158\n)\n\u2014\n \n6,264\n \nState and municipal obligations\n773\n \n53\n \n(\n27\n)\n(\n2\n)\n797\n \nU.S. government and agency obligations\n2,079\n \n1\n \n(\n1\n)\n\u2014\n \n2,079\n \nForeign government bonds and obligations\n43\n \n\u2014\n \n(\n2\n)\n\u2014\n \n41\n \nOther securities\n16\n \n1\n \n\u2014\n \n\u2014\n \n17\n \nTotal\n$\n43,384\n \n$\n289\n \n$\n(\n2,840\n)\n$\n(\n22\n)\n$\n40,811\n \nAs of December 31, 2023 and 2022, accrued interest of $\n319\n million and $\n237\n million, respectively, is excluded from the amortized cost basis of Available-for-Sale\nsecurities in the tables above and is recorded in \nReceivables\n.\nAs of December 31, 2023 and 2022, fixed maturity securities comprised approximately \n93\n% and \n92\n%, respectively, of Ameriprise Financial investments. Rating agency\ndesignations are based on the availability of ratings from Nationally Recognized Statistical Rating Organizations (\u201cNRSROs\u201d), including Moody\u2019s Investors Service\n(\u201cMoody\u2019s\u201d), Standard & Poor\u2019s Ratings Services (\u201cS&P\u201d) and Fitch Ratings Ltd. (\u201cFitch\u201d). The Company uses the median of available ratings from Moody\u2019s, S&P\nand Fitch, or if fewer than three ratings are available, the lower rating is used. When ratings from Moody\u2019s, S&P and Fitch are unavailable, the Company may utilize\nratings from other NRSROs or rate the securities internally. As of December 31, 2023 and 2022, the Company\u2019s internal analysts rated $\n282\n million and $\n270\n million,\nrespectively, of securities using criteria similar to those used by NRSROs.\nA summary of fixed maturity securities by rating was as follows:\nDecember 31, 2023\nDecember 31, 2022\nRatings\nAmortized Cost\nFair Value\nPercent of Total\nFair Value\nAmortized Cost\nFair Value\nPercent of Total\nFair Value\n \n(in millions, except percentages)\nAAA\n$\n25,235\n \n$\n24,342\n \n47\n \n%\n$\n30,900\n \n$\n28,980\n \n71\n \n%\nAA\n14,013\n \n13,534\n \n26\n \n1,219\n \n1,249\n \n3\n \nA\n3,073\n \n3,139\n \n6\n \n2,080\n \n2,097\n \n5\n \nBBB\n10,396\n \n10,216\n \n20\n \n8,524\n \n7,890\n \n19\n \nBelow investment grade \n331\n \n331\n \n1\n \n661\n \n595\n \n2\n \nTotal fixed maturities\n$\n53,048\n \n$\n51,562\n \n100\n \n%\n$\n43,384\n \n$\n40,811\n \n100\n \n%\nThe amortized cost of below investment grade securities includes interest in non-consolidated CLOs managed by the Company of $\n1\n million as of both December 31, 2023 and\n2022. The fair value of below investment grade securities includes interest in non-consolidated CLOs managed by the Company of $\n1\n million as of both December 31, 2023 and\n2022. These securities are not rated but are included in below investment grade due to their risk characteristics.\nAs of December 31, 2023, approximately \n83\n% of securities rated AA were GNMA, FNMA and FHLMC mortgage backed securities. These issuers were downgraded in\nthe third quarter of 2023 from AAA to AA due to the downgrade of the U.S. Government long-term credit rating. As of December 31, 2022, approximately \n30\n% of\nsecurities rated AAA were GNMA, FNMA and FHLMC mortgage backed securities.", "ab7a960b-0395-4010-bf47-8fa22f8bb703": "The fair value of below investment grade securities includes interest in non-consolidated CLOs managed by the Company of $\n1\n million as of both December 31, 2023 and\n2022. These securities are not rated but are included in below investment grade due to their risk characteristics.\nAs of December 31, 2023, approximately \n83\n% of securities rated AA were GNMA, FNMA and FHLMC mortgage backed securities. These issuers were downgraded in\nthe third quarter of 2023 from AAA to AA due to the downgrade of the U.S. Government long-term credit rating. As of December 31, 2022, approximately \n30\n% of\nsecurities rated AAA were GNMA, FNMA and FHLMC mortgage backed securities. \nNo\n holdings of any issuer were greater than 10% of the Company\u2019s total equity\nas of both December 31, 2023 and 2022.\n(1)\n(1) \n103", "2436bc83-4c0d-488f-93e3-902ea31d47aa": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe following tables summarize the fair value and gross unrealized losses on Available-for-Sale securities, aggregated by major investment type and the length of\ntime that individual securities have been in a continuous unrealized loss position for which no allowance for credit losses has been recorded:\nDecember 31, 2023\nLess than 12 months\n12 months or more\nTotal\nDescription of Securities\nNumber of\nSecurities\nFair\nValue\nUnrealized\nLosses\nNumber of\nSecurities\nFair\nValue\nUnrealized\nLosses\nNumber of\nSecurities\nFair\nValue\nUnrealized\nLosses\n \n(in millions, except number of securities)\nCorporate debt securities\n97\n \n$\n1,276\n \n$\n(\n11\n)\n376\n \n$\n5,197\n \n$\n(\n496\n)\n473\n \n$\n6,473\n \n$\n(\n507\n)\nResidential mortgage backed\nsecurities\n82\n \n3,052\n \n(\n25\n)\n734\n \n10,677\n \n(\n1,146\n)\n816\n \n13,729\n \n(\n1,171\n)\nCommercial mortgage backed\nsecurities\n31\n \n747\n \n(\n9\n)\n277\n \n4,092\n \n(\n332\n)\n308\n \n4,839\n \n(\n341\n)\nAsset backed securities\n49\n \n885\n \n(\n2\n)\n116\n \n2,840\n \n(\n57\n)\n165\n \n3,725\n \n(\n59\n)\nState and municipal obligations\n5\n \n29\n \n(\n1\n)\n49\n \n138\n \n(\n19\n)\n54\n \n167\n \n(\n20\n)\nU.S. government and agency\nobligations\n11\n \n955\n \n\u2014\n \n1\n \n\u2014\n \n\u2014\n \n12\n \n955\n \n\u2014\n \nForeign government bonds and\nobligations\n\u2014\n \n\u2014\n \n\u2014\n \n3\n \n12\n \n(\n1\n)\n3\n \n12\n \n(\n1\n)\nTotal\n275\n \n$\n6,944\n \n$\n(\n48\n)\n1,556\n \n$\n22,956\n \n$\n(\n2,051\n)\n1,831\n \n$\n29,900\n \n$\n(\n2,099\n)\nDecember 31, 2022\nLess than 12 months\n12 months or more\nTotal\nDescription of Securities\nNumber of\nSecurities\nFair\nValue\nUnrealized\nLosses\nNumber of\nSecurities\nFair\nValue\nUnrealized\nLosses\nNumber of\nSecurities\nFair\nValue\nUnrealized\nLosses\n(in millions, except number of securities)\nCorporate debt securities\n457\n \n$\n5,782\n \n$\n(\n458\n)\n108\n \n$\n1,575\n \n$\n(\n365\n)\n565\n \n$\n7,357\n \n$\n(\n823\n)\nResidential mortgage backed\nsecurities\n589\n \n9,407\n \n(\n577\n)\n244\n \n4,076\n \n(\n813\n)\n833\n \n13,483\n \n(\n1,390\n)\nCommercial mortgage backed\nsecurities\n249\n \n3,857\n \n(\n220\n)\n101\n \n1,802\n \n(\n219\n)\n350\n \n5,659\n \n(\n439\n)\nAsset backed securities\n145\n \n4,413\n \n(\n86\n)\n31\n \n977\n \n(\n72\n)\n176\n \n5,390\n \n(\n158\n)\nState and municipal obligations\n48\n \n134\n \n(\n16\n)\n27\n \n60\n \n(\n11\n)\n75\n \n194\n \n(\n27\n)\nU.S. government and agency\nobligations\n13\n \n566\n \n(\n1\n)\n\u2014\n \n\u2014\n \n\u2014\n \n13\n \n566\n \n(\n1\n)\nForeign government bonds and\nobligations\n11\n \n37\n \n(\n2\n)\n1\n \n1\n \n\u2014\n \n12\n \n38\n \n(\n2\n)\nTotal\n1,512\n \n$\n24,196\n \n$\n(\n1,360\n)\n512\n \n$\n8,491\n \n$\n(\n1,480\n)\n2,024\n \n$\n32,687\n \n$\n(\n2,840\n)\nAs part of the Company\u2019s ongoing monitoring process, management determined that the decrease in gross unrealized losses on its Available-for-Sale securities for\nwhich an allowance for credit losses has not been recognized during the year ended December 31, 2023 is primarily attributable to the impact of lower interest rates\nand tighter credit spreads. The Company did not recognize these unrealized losses in earnings because it was determined that such losses were due to non-credit\nfactors. The Company does not intend to sell these securities and does not believe that it is more likely than not that the Company will be required to sell these\nsecurities before the anticipated recovery of the remaining amortized cost basis.", "74b26d6d-9955-4ad9-b985-184df7fc9e26": "The Company did not recognize these unrealized losses in earnings because it was determined that such losses were due to non-credit\nfactors. The Company does not intend to sell these securities and does not believe that it is more likely than not that the Company will be required to sell these\nsecurities before the anticipated recovery of the remaining amortized cost basis. As of December 31, 2023 and 2022, approximately \n96\n% and \n95\n%, respectively, of the\ntotal of Available-for-Sale securities with gross unrealized losses were considered investment grade.\n104", "ea6e7413-9724-402a-b317-4f0007fdf09b": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe following table presents a rollforward of the allowance for credit losses on Available-for-Sale securities:\n \nCorporate Debt\nSecurities\nAsset Backed\nSecurities\nState and\nMunicipal\nObligations\nTotal\n(in millions)\nBalance at January 1, 2021\n$\n10\n \n$\n1\n \n$\n\u2014\n \n$\n11\n \nAdditions for which credit losses were not previously recorded\n\u2014\n \n\u2014\n \n1\n \n1\n \nCharge-offs\n(\n10\n)\n(\n1\n)\n\u2014\n \n(\n11\n)\nBalance at December 31, 2021\n\u2014\n \n\u2014\n \n1\n \n1\n \nAdditions for which credit losses were not previously recorded\n20\n \n\u2014\n \n\u2014\n \n20\n \nAdditional increases (decreases) on securities that had an allowance recorded in a\nprevious period\n\u2014\n \n\u2014\n \n1\n \n1\n \nBalance at December 31, 2022\n20\n \n\u2014\n \n2\n \n22\n \nAdditions for which credit losses were not previously recorded\n1\n \n\u2014\n \n\u2014\n \n1\n \nReductions for securities sold during the period (realized)\n(\n20\n)\n\u2014\n \n(\n1\n)\n(\n21\n)\nBalance at December 31, 2023\n$\n1\n \n$\n\u2014\n \n$\n1\n \n$\n2\n \nNet realized gains and losses on Available-for-Sale securities, determined using the specific identification method, recognized in Net investment income\nwere as follows:\n \nYears Ended December 31,\n2023\n2022\n2021\n(in millions)\nGross realized investment gains\n$\n11\n \n$\n28\n \n$\n582\n \nGross realized investment losses\n(\n58\n)\n(\n22\n)\n(\n7\n)\nCredit reversals (losses)\n20\n \n(\n21\n)\n(\n1\n)\nOther impairments\n(\n2\n)\n(\n70\n)\n(\n13\n)\nTotal\n$\n(\n29\n)\n$\n(\n85\n)\n$\n561\n \nPreviously recorded allowance for credit losses was reversed during the year ended December 31, 2023 primarily due to the sale of a corporate debt security in the\ncommunications industry. Credit losses for the year ended December 31, 2022 primarily related to recording an allowance for credit losses on a corporate debt security\nin the communications industry. Credit losses for the year ended December 31, 2021 primarily related to recording an allowance for credit losses on certain state and\nmunicipal securities. Other impairments for the years ended December 31, 2023, 2022 and 2021 related to Available-for-Sale securities which the Company intended to\nsell.\nSee Note 21 for a rollforward of net unrealized investment gains (losses) included in AOCI.\nAvailable-for-Sale securities by contractual maturity as of December 31, 2023 were as follows:\n \nAmortized Cost\nFair Value\n(in millions)\nDue within one year\n$\n4,305\n \n$\n4,294\n \nDue after one year through five years\n2,621\n \n2,587\n \nDue after five years through 10 years\n4,280\n \n4,018\n \nDue after 10 years\n4,979\n \n5,228\n \n \n16,185\n \n16,127\n \nResidential mortgage backed securities\n22,130\n \n21,066\n \nCommercial mortgage backed securities\n6,380\n \n6,050\n \nAsset backed securities\n8,353\n \n8,319\n \nTotal\n$\n53,048\n \n$\n51,562\n \nActual maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations. Residential mortgage backed securities,\ncommercial mortgage backed securities and asset backed securities are not due at a single maturity date. As such, these securities were not included in the maturities\ndistribution.\n105", "7a95f62e-9522-4165-bca8-b6cae428d3ef": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\n7. \nFinancing Receivables\nFinancing receivables are comprised of commercial loans, consumer loans and deposit receivables. See Note 2 for information regarding the Company\u2019s accounting\npolicies related to financing receivables and the allowance for credit losses.\nAllowance for Credit Losses\nThe following table presents a rollforward of the allowance for credit losses:\n \nCommercial Loans\nConsumer Loans\nTotal\n(in millions)\nBalance at January 1, 2021\n$\n66\n \n$\n2\n \n$\n68\n \nProvisions\n(\n13\n)\n2\n \n(\n11\n)\nCharge-offs\n(\n8\n)\n(\n2\n)\n(\n10\n)\nRecoveries\n\u2014\n \n1\n \n1\n \nOther\n2\n \n\u2014\n \n2\n \nBalance at December 31, 2021\n47\n \n3\n \n50\n \nProvisions\n10\n \n3\n \n13\n \nCharge-offs\n(\n3\n)\n(\n1\n)\n(\n4\n)\nBalance at December 31, 2022\n54\n \n5\n \n59\n \nProvisions\n2\n \n6\n \n8\n \nCharge-offs\n(\n2\n)\n(\n2\n)\n(\n4\n)\nBalance at December 31, 2023\n$\n54\n \n$\n9\n \n$\n63\n \nThe decrease in the allowance for credit losses provision for commercial loans in 2021 reflected the sale of certain commercial mortgage loans and syndicated loans in\nconjunction with the fixed deferred and payout annuity reinsurance transaction in 2021.\nAs of December 31, 2023 and 2022, accrued interest on commercial loans was $\n19\n million and $\n17\n million, respectively, and is recorded in Receivables and excluded\nfrom the amortized cost basis of commercial loans.\nPurchases and Sales\nThere were \nno\n commercial mortgage loans sold for the years ended December 31, 2023 and 2022. During the year ended December 31, 2021, the Company sold $\n746\nmillion of commercial mortgage loans.\nDuring the years ended December 31, 2023, 2022 and 2021, the Company purchased $\n21\n million, $\n67\n million and $\n37\n million, respectively, of syndicated loans, and sold\n$\n4\n million, $\n1\n million and $\n354\n million, respectively, of syndicated loans.\nDuring the years ended December 31, 2023, 2022 and 2021, the Company purchased $\n202\n million, $\n72\n million and $\n33\n million, respectively, of residential mortgage\nloans.\nThe Company has \nnot\n acquired any loans with deteriorated credit quality as of the acquisition date.\nCredit Quality Information\nNonperforming loans were $\n12\n million and $\n11\n million as of December 31, 2023 and 2022, respectively. All other loans were considered to be performing.\nCommercial Loans\nCommercial Mortgage Loans\nThe Company reviews the credit worthiness of the borrower and the performance of the underlying properties in order to determine the risk of loss on commercial\nmortgage loans. Loan-to-value ratio is the primary credit quality indicator included in this review.\nBased on this review, the commercial mortgage loans are assigned an internal risk rating, which management updates when credit risk changes. Commercial mortgage\nloans which management has assigned its highest risk rating were less than 1% of total commercial mortgage loans as of both December 31, 2023 and 2022. Loans\nwith the highest risk rating represent distressed loans which the Company has identified as impaired or expects to become delinquent or enter into foreclosure within\nthe next six months. There were \nno\n commercial mortgage loans past due as of both December 31, 2023 and 2022.\n106", "de03ee9f-c482-4343-8ed8-adbcaf420d99": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe tables below present the amortized cost basis of commercial mortgage loans by the year of origination and loan-to-value ratio:\nDecember 31, 2023\nLoan-to-Value Ratio\n2023\n2022\n2021\n2020\n2019\nPrior\nTotal\n(in millions)\n> 100%\n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n2\n \n$\n22\n \n$\n24\n \n80% - 100%\n\u2014\n \n5\n \n\u2014\n \n2\n \n11\n \n50\n \n68\n \n60% - 80%\n59\n \n26\n \n6\n \n14\n \n40\n \n106\n \n251\n \n40% - 60%\n8\n \n47\n \n133\n \n53\n \n70\n \n348\n \n659\n \n< 40%\n10\n \n32\n \n49\n \n40\n \n80\n \n619\n \n830\n \nTotal\n$\n77\n \n$\n110\n \n$\n188\n \n$\n109\n \n$\n203\n \n$\n1,145\n \n$\n1,832\n \nDecember 31, 2022\nLoan-to-Value Ratio\n2022\n2021\n2020\n2019\n2018\nPrior\nTotal\n(in millions)\n> 100%\n$\n\u2014\n \n$\n\u2014\n \n$\n2\n \n$\n2\n \n$\n3\n \n$\n39\n \n$\n46\n \n80% - 100%\n7\n \n9\n \n2\n \n20\n \n8\n \n29\n \n75\n \n60% - 80%\n39\n \n87\n \n17\n \n52\n \n9\n \n107\n \n311\n \n40% - 60%\n48\n \n89\n \n69\n \n90\n \n57\n \n435\n \n788\n \n< 40%\n18\n \n12\n \n30\n \n46\n \n85\n \n471\n \n662\n \nTotal\n$\n112\n \n$\n197\n \n$\n120\n \n$\n210\n \n$\n162\n \n$\n1,081\n \n$\n1,882\n \nLoan-to-value ratio is based on income and expense data provided by borrowers at least annually and long-term capitalization rate assumptions based on property\ntype. For the year ended December 31, 2023, write-offs of commercial mortgage loans were \nnot\n material.\nIn addition, the Company reviews the concentrations of credit risk by region and property type. \nConcentrations of credit risk of commercial mortgage loans by U.S.\nregion were as follows:\n \nLoans\nPercentage\nDecember 31,\nDecember 31,\n2023\n2022\n2023\n2022\n(in millions)\n \n \nEast North Central\n$\n189\n \n$\n201\n \n10\n \n%\n11\n \n%\nEast South Central\n52\n \n54\n \n3\n \n3\n \nMiddle Atlantic\n112\n \n114\n \n6\n \n6\n \nMountain\n138\n \n129\n \n8\n \n7\n \nNew England\n28\n \n23\n \n2\n \n1\n \nPacific\n624\n \n638\n \n34\n \n34\n \nSouth Atlantic\n465\n \n479\n \n25\n \n25\n \nWest North Central\n109\n \n120\n \n6\n \n6\n \nWest South Central\n115\n \n124\n \n6\n \n7\n \nTotal\n$\n1,832\n \n$\n1,882\n \n100\n \n%\n100\n \n%\nConcentrations of credit risk of commercial mortgage loans by property type were as follows:\nLoans\nPercentage\nDecember 31,\nDecember 31,\n2023\n2022\n2023\n2022\n(in millions)\n \n \nApartments\n$\n485\n \n$\n495\n \n26\n \n%\n26\n \n%\nHotel\n13\n \n14\n \n1\n \n1\n \nIndustrial\n317\n \n321\n \n17\n \n17\n \nMixed use\n64\n \n66\n \n4\n \n4\n \nOffice\n241\n \n259\n \n13\n \n14\n \nRetail\n561\n \n594\n \n31\n \n31\n \nOther\n151\n \n133\n \n8\n \n7\n \nTotal\n$\n1,832\n \n$\n1,882\n \n100\n \n%\n100\n \n%\n107", "8a87da1d-e4d3-4399-8934-29a8fb9c67fa": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nSyndicated Loans\nThe investment in syndicated loans as of December 31, 2023 and 2022 was $\n145\n million and $\n175\n million, respectively. The Company\u2019s syndicated loan portfolio is\ndiversified across industries and issuers. Syndicated loans past due were \nnot\n material as of December 31, 2023 and \nno\n syndicated loans were past due as of December\n31, 2022. The Company assigns an internal risk rating to each syndicated loan in its portfolio ranging from 1 through 5, with 5 reflecting the lowest quality. For the\nyear ended December 31, 2023, write-offs of syndicated loans were \nnot\n material.\nThe tables below present the amortized cost basis of syndicated loans by origination year and internal risk rating:\nDecember 31, 2023\nInternal Risk Rating\n2023\n2022\n2021\n2020\n2019\nPrior\nTotal\n(in millions)\nRisk 5\n$\n\u2014\n \n$\n1\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n1\n \nRisk 4\n\u2014\n \n\u2014\n \n\u2014\n \n1\n \n2\n \n\u2014\n \n3\n \nRisk 3\n2\n \n\u2014\n \n12\n \n2\n \n2\n \n10\n \n28\n \nRisk 2\n26\n \n3\n \n17\n \n5\n \n11\n \n2\n \n64\n \nRisk 1\n14\n \n5\n \n15\n \n3\n \n10\n \n2\n \n49\n \nTotal\n$\n42\n \n$\n9\n \n$\n44\n \n$\n11\n \n$\n25\n \n$\n14\n \n$\n145\n \nDecember 31, 2022\nInternal Risk Rating\n2022\n2021\n2020\n2019\n2018\nPrior\nTotal\n(in millions)\nRisk 5\n$\n1\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n1\n \nRisk 4\n\u2014\n \n\u2014\n \n\u2014\n \n2\n \n\u2014\n \n2\n \n4\n \nRisk 3\n\u2014\n \n9\n \n1\n \n6\n \n5\n \n8\n \n29\n \nRisk 2\n8\n \n21\n \n7\n \n12\n \n5\n \n28\n \n81\n \nRisk 1\n6\n \n9\n \n4\n \n6\n \n13\n \n22\n \n60\n \nTotal\n$\n15\n \n$\n39\n \n$\n12\n \n$\n26\n \n$\n23\n \n$\n60\n \n$\n175\n \nFinancial Advisor Loans\nThe Company offers loans to financial advisors for transitional cost assistance and practice operations. Repayment of the loan is highly dependent on the retention\nof the financial advisor. In the event a financial advisor is no longer affiliated with the Company, any unpaid balances become immediately due. Accordingly, the\nprimary risk factor for advisor loans is termination status. The allowance for credit losses related to loans to advisors that have terminated their relationship with the\nCompany was $\n7\n million and $\n6\n million as of December 31, 2023 and 2022, respectively. For the year ended December 31, 2023, write-offs of advisor loans were \nnot\nmaterial.\nThe tables below present the amortized cost basis of advisor loans by origination year and termination status:\nDecember 31, 2023\nTermination Status\n2023\n2022\n2021\n2020\n2019\nPrior\nTotal\n(in millions)\nActive\n$\n395\n \n$\n310\n \n$\n151\n \n$\n107\n \n$\n79\n \n$\n157\n \n$\n1,199\n \nTerminated\n\u2014\n \n2\n \n1\n \n1\n \n4\n \n4\n \n12\n \nTotal\n$\n395\n \n$\n312\n \n$\n152\n \n$\n108\n \n$\n83\n \n$\n161\n \n$\n1,211\n \nDecember 31, 2022\nTermination Status\n2022\n2021\n2020\n2019\n2018\nPrior\nTotal\n(in millions)\nActive\n$\n359\n \n$\n178\n \n$\n133\n \n$\n99\n \n$\n76\n \n$\n158\n \n$\n1,003\n \nTerminated\n\u2014\n \n1\n \n1\n \n2\n \n1\n \n5\n \n10\n \nTotal\n$\n359\n \n$\n179\n \n$\n134\n \n$\n101\n \n$\n77\n \n$\n163\n \n$\n1,013\n \nConsumer Loans\nResidential Mortgage Loans\nThe Company reviews the credit worthiness of the borrower in order to determine the risk of loss on residential mortgage loans. Geographic location and FICO scores\nare the primary credit quality indicators included in the model that projects the Company\u2019s risk of credit loss over the life of the residential mortgage loan portfolio.\nDelinquency rates are measured based on the number of days past due.", "0cb0d2c1-e8b0-42de-bc56-03c46d770d76": "Geographic location and FICO scores\nare the primary credit quality indicators included in the model that projects the Company\u2019s risk of credit loss over the life of the residential mortgage loan portfolio.\nDelinquency rates are measured based on the number of days past due. Residential mortgage loans over 30 days past due were $\n2\n million and $\n3\n million as of\nDecember 31, 2023 and 2022, respectively. For the year end December 31, 2023, write-offs of residential mortgage loans were \nnot\n material.\n108", "6d6deb5d-14b7-40b0-8f24-c23ddb762460": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe tables below present the amortized cost basis of residential mortgage loans by year of origination and FICO score:\nFICO Score\nDecember 31, 2023\n2023\n2022\n2021\n2020\nTotal\n(in millions)\n> 810\n$\n9\n \n$\n3\n \n$\n2\n \n$\n\u2014\n \n$\n14\n \n780 - 809\n65\n \n29\n \n8\n \n6\n \n108\n \n740 - 779\n80\n \n26\n \n8\n \n6\n \n120\n \n720 - 739\n15\n \n6\n \n4\n \n1\n \n26\n \n700 - 719\n8\n \n5\n \n4\n \n1\n \n18\n \n< 699\n7\n \n4\n \n3\n \n\u2014\n \n14\n \nTotal\n$\n184\n \n$\n73\n \n$\n29\n \n$\n14\n \n$\n300\n \nFICO Score\nDecember 31, 2022\n2022\n2021\n2020\nTotal\n(in millions)\n> 810\n$\n2\n \n$\n2\n \n$\n1\n \n$\n5\n \n780 - 809\n30\n \n9\n \n7\n \n46\n \n740 - 779\n24\n \n9\n \n6\n \n39\n \n720 - 739\n5\n \n5\n \n\u2014\n \n10\n \n700 - 719\n6\n \n3\n \n1\n \n10\n \n< 699\n4\n \n3\n \n\u2014\n \n7\n \nTotal\n$\n71\n \n$\n31\n \n$\n15\n \n$\n117\n \nThe table below presents the concentrations of credit risk of residential mortgage loans by U.S. region:\nLoans\nPercentage\nDecember 31,\nDecember 31,\n2023\n2022\n2023\n2022\n(in millions)\nMinnesota\n$\n178\n \n$\n82\n \n59\n \n%\n70\n \n%\nOther U.S. States\n122\n \n35\n \n41\n \n30\n \nTotal\n$\n300\n \n$\n117\n \n100\n \n%\n100\n \n%\nCredit Card Receivables\nThe credit cards are co-branded with Ameriprise Financial, Inc. and issued to the Company\u2019s customers by a third party. FICO scores and delinquency rates are the\nprimary credit quality indicators for the credit card portfolio. Delinquency rates are measured based on the number of days past due. Credit card receivables over 30\ndays past due were \n2\n% and \n1\n% of total credit card receivables as of December 31, 2023 and 2022, respectively.\nThe table below presents the amortized cost basis of credit card receivables by FICO score:\nFICO Score\nDecember 31,\n2023\n2022\n(in millions)\n> 800\n$\n32\n \n$\n32\n \n750 - 799\n28\n \n27\n \n700 - 749\n30\n \n28\n \n650 - 699\n19\n \n17\n \n< 650\n8\n \n6\n \nTotal\n$\n117\n \n$\n110\n \nPolicy Loans\nPolicy loans do not exceed the cash surrender value at origination. As there is minimal risk of loss related to policy loans, there is \nno\n allowance for credit losses.\n109", "349b89ea-f37a-4b39-bbf4-82ffab36e72a": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nMargin Loans\nThe margin loans balance was $\n1.1\n billion and $\n1.2\n billion as of December 31, 2023 and 2022, respectively. The Company monitors collateral supporting margin loans\nand requests additional collateral when necessary in order to mitigate the risk of loss. As of both December 31, 2023 and 2022, there was \nno\n allowance for credit\nlosses on margin loans.\nPledged Asset Lines of Credit\nThe pledged asset lines of credit balance was $\n537\n million and $\n589\n million as of December 31, 2023 and 2022, respectively. The Company monitors collateral\nsupporting pledged asset lines of credit and requests additional collateral when necessary in order to mitigate the risk of loss. As of both December 31, 2023 and\n2022, there was \nno\n allowance for credit losses on pledged asset lines of credit.\nDeposit Receivables\nDeposit receivables were $\n6.5\n billion and $\n7.4\n billion as of December 31, 2023 and 2022, respectively. Deposit receivables are collateralized by the fair value of the\nassets held in trusts. Based on management\u2019s evaluation of the collateral value relative to the deposit receivables, the allowance for credit losses for deposit\nreceivables was \nnot\n material as of both December 31, 2023 and 2022.\nModifications with Borrowers Experiencing Financial Difficulty\nModifications of financing receivables with borrowers experiencing financial difficulty by the Company were \nnot\n material during the year ended December 31, 2023.\n8. \nReinsurance\nThe Company reinsures a portion of the insurance risks associated with its traditional life, DI and LTC insurance products through reinsurance agreements with\nunaffiliated reinsurance companies. RiverSource Life Insurance Company (\u201cRiverSource Life\u201d) reinsures \n100\n% of its insurance risk associated with its life contingent\npayout annuity policies in force as of June 30, 2021 through a reinsurance agreement with Global Atlantic Financial Group\u2019s subsidiary Commonwealth Annuity and\nLife Insurance Company. Policies issued on or after July 1, 2021 and policies issued by RiverSource Life Insurance Co. of New York (\u201cRiverSource Life of NY\u201d) are\nnot subject to this reinsurance agreement.\nReinsurance contracts do not relieve the Company from its primary obligation to policyholders.\nThe Company generally reinsures \n90\n% of the death benefit liability for new term life insurance policies beginning in 2001 and new individual UL and VUL insurance\npolicies beginning in 2002. Policies issued prior to these dates are not subject to these same reinsurance levels.\nHowever, for IUL policies issued after September 1, 2013 and VUL policies issued after January 1, 2014, the Company generally reinsures \n50\n% of the death benefit\nliability. Similarly, the Company reinsures \n50\n% of the death benefit and morbidity liabilities related to its UL product with LTC benefits.\nThe maximum amount of life insurance risk the Company will retain is $\n10\n million on a single life and $\n10\n million on any flexible premium survivorship life policy;\nhowever, reinsurance agreements are in place such that retaining more than $\n1.5\n million of insurance risk on a single life or a flexible premium survivorship life policy\nis very unusual. Risk on UL and VUL policies is reinsured on a yearly renewable term basis. Risk on most term life policies starting in 2001 is reinsured on a\ncoinsurance basis, a type of reinsurance in which the reinsurer participates proportionally in all material risks and premiums associated with a policy.\nFor existing LTC policies, the Company has continued ceding \n50\n% of the risk on a coinsurance basis to subsidiaries of Genworth Financial, Inc. (\u201cGenworth\u201d) and\nretains the remaining risk. For RiverSource Life of NY, this reinsurance arrangement applies for 1996 and later issues only, which are \n89\n% of the total RiverSource Life\nof NY in force policies. Under these agreements, the Company has the right, but never the obligation, to recapture some, or all, of the risk ceded to Genworth.\nGenerally, the Company retains at most $\n5,000\n per month of risk per life on DI policies sold on policy forms introduced in most states starting in 2007 and reinsures\nthe remainder of the risk on a coinsurance basis with unaffiliated reinsurance companies.", "e2f2c05d-3b53-40c6-92aa-48ffe22bb8ac": "For existing LTC policies, the Company has continued ceding \n50\n% of the risk on a coinsurance basis to subsidiaries of Genworth Financial, Inc. (\u201cGenworth\u201d) and\nretains the remaining risk. For RiverSource Life of NY, this reinsurance arrangement applies for 1996 and later issues only, which are \n89\n% of the total RiverSource Life\nof NY in force policies. Under these agreements, the Company has the right, but never the obligation, to recapture some, or all, of the risk ceded to Genworth.\nGenerally, the Company retains at most $\n5,000\n per month of risk per life on DI policies sold on policy forms introduced in most states starting in 2007 and reinsures\nthe remainder of the risk on a coinsurance basis with unaffiliated reinsurance companies. The Company retains all risk for new claims on DI contracts sold on other\npolicy forms introduced prior to 2007. The Company also retains all risk on accidental death benefit claims and substantially all risk associated with waiver of premium\nprovisions.\nAs of December 31, 2023 and 2022, traditional life and UL insurance policies in force were $\n198.8\n billion and $\n198.9\n billion, respectively, of which $\n144.7\n billion and\n$\n146.2\n billion as of December 31, 2023 and 2022 were reinsured at the respective year ends.\n110", "fc86e12a-d5a8-4087-80bb-e96013748bfe": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe effect of reinsurance on premiums for traditional long-duration products was as follows:\n \nYears Ended December 31,\n2023\n2022\n 2021\n(in millions)\nDirect premiums\n$\n674\n \n$\n530\n \n$\n490\n \nReinsurance ceded\n(\n226\n)\n(\n224\n)\n(\n1,361\n)\nNet premiums\n$\n448\n \n$\n306\n \n$\n(\n871\n)\nCost of insurance and administrative charges for non-traditional long-duration products are reflected in Premiums, policy and contract charges and were net of\nreinsurance ceded of $\n180\n million, $\n165\n million and $\n152\n million for the years ended December 31, 2023, 2022 and 2021, respectively.\nThe amount of claims recovered through reinsurance on all contracts was $\n438\n million, $\n435\n million and $\n404\n million for the years ended December 31, 2023, 2022 and\n2021, respectively.\nReceivables included $\n4.3\n billion and $\n4.2\n billion of reinsurance recoverables as of December 31, 2023 and 2022, respectively, including $\n2.8\n billion and $\n2.7\n billion\nrelated to LTC risk ceded to Genworth, respectively.\nPolicyholder account balances, future policy benefits and claims include $\n376\n million and $\n388\n million related to previously assumed reinsurance arrangements as of\nDecember 31, 2023 and 2022, respectively.\n9. \nGoodwill and Other Intangible Assets\nGoodwill and intangible assets deemed to have indefinite lives are not amortized but are instead subject to impairment tests. There were \nno\n impairments of indefinite-\nlived intangible assets recorded for the years ended December 31, 2023, 2022 and 2021.\nThe changes in the carrying amount of goodwill reported in the Company\u2019s reportable segments were as follows:\nAdvice & Wealth\nManagement\nAsset\nManagement\nRetirement & Protection\nSolutions\nConsolidated\n(in millions)\nBalance at January 1, 2022\n$\n279\n \n$\n1,088\n \n$\n91\n \n$\n1,458\n \nForeign currency translation\n\u2014\n \n(\n59\n)\n\u2014\n \n(\n59\n)\nOther adjustments\n\u2014\n \n(\n10\n)\n\u2014\n \n(\n10\n)\nBalance at December 31, 2022\n279\n \n1,019\n \n91\n \n1,389\n \nForeign currency translation\n\u2014\n \n27\n \n\u2014\n \n27\n \nOther adjustments\n\u2014\n \n(\n6\n)\n\u2014\n \n(\n6\n)\nBalance at December 31, 2023\n$\n279\n \n$\n1,040\n \n$\n91\n \n$\n1,410\n \nIn 2023 and 2022, the Company completed the annual impairment evaluation for goodwill as of July 1. Additionally, in the fourth quarter of 2022, due to the\nmacroeconomic conditions at the time, the Company performed an additional goodwill impairment evaluation. The Company concluded its goodwill was not impaired\nin either 2023 or 2022.\nThe carrying amount of indefinite-lived intangible assets consisted of the following:\nDecember 31,\n2023\n2022\n(in millions)\nCustomer contracts\n$\n848\n \n$\n837\n \nTrade names\n67\n \n67\n \nTotal\n$\n915\n \n$\n904\n \nDefinite-lived intangible assets consisted of the following:\n \nDecember 31, 2023\nDecember 31, 2022\nGross Carrying\nAmount\nAccumulated\nAmortization\nNet Carrying\nAmount\nGross Carrying\nAmount\nAccumulated\nAmortization\nNet Carrying\nAmount\n(in millions)\nCustomer relationships\n$\n380\n \n$\n(\n191\n)\n$\n189\n \n$\n265\n \n$\n(\n174\n)\n$\n91\n \nContracts\n228\n \n(\n219\n)\n9\n \n222\n \n(\n210\n)\n12\n \nOther\n343\n \n(\n243\n)\n100\n \n295\n \n(\n206\n)\n89\n \nTotal\n$\n951\n \n$\n(\n653\n)\n$\n298\n \n$\n782\n \n$\n(\n590\n)\n$\n192\n \n111", "1929b1fe-6012-4f49-b6ac-313d6a05598e": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nOn November 6, 2023, the Company and Comerica, Inc. (through certain affiliates) closed an arrangement in which the Company became Comerica\u2019s new investment\nprogram provider and acquired Comerica\u2019s customer lists for $\n110\n million.\nDefinite-lived intangible assets acquired during the year ended December 31, 2023 were $\n110\n million with a weighted average amortization period of \n10\n years. The\naggregate amortization expense for definite-lived intangible assets during the years ended December 31, 2023, 2022 and 2021 was $\n52\n million, $\n45\n million and $\n34\nmillion, respectively.There were $\n1\n million, \nnil\n and \nnil\n of impairments of definite-lived intangible assets recorded for the years ended December 31, 2023, 2022 and 2021,\nrespectively.\nEstimated intangible amortization expense as of December 31, 2023 for the next five years is as follows:\n \n(in millions)\n2024\n$\n53\n \n2025\n47\n \n2026\n43\n \n2027\n35\n \n2028\n24\n \n10. \nDeferred Acquisition Costs and Deferred Sales Inducement Costs\nThe following tables summarize the balances of and changes in DAC, including the January 1, 2021 adoption of ASU 2018-12:\nVariable\nAnnuities\nStructured\nVariable\nAnnuities\nFixed Annuities\nFixed Indexed\nAnnuities\nUniversal Life\nInsurance\nVariable\nUniversal Life\nInsurance\n(in millions)\nPre-adoption balance at December 31, 2020\n$\n1,690\n \n$\n22\n \n$\n43\n \n$\n7\n \n$\n100\n \n$\n452\n \nEffect of shadow reserve adjustments\n42\n \n4\n \n18\n \n1\n \n31\n \n53\n \nPost-adoption balance at January 1, 2021\n1,732\n \n26\n \n61\n \n8\n \n131\n \n505\n \nCapitalization of acquisition costs\n111\n \n71\n \n\u2014\n \n\u2014\n \n3\n \n54\n \nAmortization\n(\n147\n)\n(\n6\n)\n(\n8\n)\n(\n1\n)\n(\n9\n)\n(\n47\n)\nBalance at December 31, 2021\n$\n1,696\n \n$\n91\n \n$\n53\n \n$\n7\n \n$\n125\n \n$\n512\n \nIndexed\nUniversal Life\nInsurance\nOther Life\nInsurance\nLife Contingent\nPayout Annuities\nTerm and Whole\nLife Insurance\nDisability\nIncome\nInsurance\nTotal,\nAll Products\n(in millions)\nPre-adoption balance at December 31, 2020\n$\n108\n \n$\n(\n3\n)\n$\n\u2014\n \n$\n19\n \n$\n89\n \n$\n2,527\n \nEffect of shadow reserve adjustments\n149\n \n6\n \n\u2014\n \n\u2014\n \n\u2014\n \n304\n \nPost-adoption balance at January 1, 2021\n257\n \n3\n \n\u2014\n \n19\n \n89\n \n2,831\n \nCapitalization of acquisition costs\n9\n \n\u2014\n \n1\n \n2\n \n4\n \n255\n \nAmortization\n(\n18\n)\n\u2014\n \n\u2014\n \n(\n2\n)\n(\n9\n)\n(\n247\n)\nBalance at December 31, 2021\n$\n248\n \n$\n3\n \n$\n1\n \n$\n19\n \n$\n84\n \n$\n2,839\n \nOther broker dealer acquisition costs\n5\n \nBalance at December 31, 2021 including broker dealer acquisition costs\n$\n2,844\n \n112", "46641609-b7df-494d-bcda-dcf673bd5eda": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nVariable\nAnnuities\nStructured\nVariable\nAnnuities\nFixed Annuities\nFixed Indexed\nAnnuities\nUniversal Life\nInsurance\nVariable\nUniversal Life\nInsurance\n(in millions)\nBalance at January 1, 2022\n$\n1,696\n \n$\n91\n \n$\n53\n \n$\n7\n \n$\n125\n \n$\n512\n \nCapitalization of acquisition costs\n38\n \n73\n \n\u2014\n \n\u2014\n \n1\n \n55\n \nAmortization\n(\n136\n)\n(\n15\n)\n(\n8\n)\n(\n1\n)\n(\n8\n)\n(\n46\n)\nBalance at December 31, 2022\n$\n1,598\n \n$\n149\n \n$\n45\n \n$\n6\n \n$\n118\n \n$\n521\n \nIndexed\nUniversal Life\nInsurance\nOther Life\nInsurance\nLife Contingent\nPayout Annuities\nTerm and Whole\nLife Insurance\nDisability\nIncome\nInsurance\nTotal,\nAll Products\n(in millions)\nBalance at January 1, 2022\n$\n248\n \n$\n3\n \n$\n1\n \n$\n19\n \n$\n84\n \n$\n2,839\n \nCapitalization of acquisition costs\n5\n \n\u2014\n \n1\n \n1\n \n4\n \n178\n \nAmortization\n(\n17\n)\n\u2014\n \n\u2014\n \n(\n2\n)\n(\n9\n)\n(\n242\n)\nBalance at December 31, 2022\n$\n236\n \n$\n3\n \n$\n2\n \n$\n18\n \n$\n79\n \n$\n2,775\n \nOther broker dealer acquisition costs\n2\n \nBalance at December 31, 2022 including broker dealer acquisition costs\n$\n2,777\n \nVariable\nAnnuities\nStructured\nVariable\nAnnuities\nFixed Annuities\nFixed Indexed\nAnnuities\nUniversal Life\nInsurance\nVariable\nUniversal Life\nInsurance\n(in millions)\nBalance at January 1, 2023\n$\n1,598\n \n$\n149\n \n$\n45\n \n$\n6\n \n$\n118\n \n$\n521\n \nCapitalization of acquisition costs\n23\n \n83\n \n\u2014\n \n\u2014\n \n\u2014\n \n57\n \nAmortization\n(\n125\n)\n(\n24\n)\n(\n10\n)\n(\n1\n)\n(\n8\n)\n(\n44\n)\nBalance at December 31, 2023\n$\n1,496\n \n$\n208\n \n$\n35\n \n$\n5\n \n$\n110\n \n$\n534\n \nIndexed\nUniversal Life\nInsurance\nOther Life\nInsurance\nLife Contingent\nPayout Annuities\nTerm and Whole\nLife Insurance\nDisability\nIncome\nInsurance\nTotal,\nAll Products\n(in millions)\nBalance at January 1, 2023\n$\n236\n \n$\n3\n \n$\n2\n \n$\n18\n \n$\n79\n \n$\n2,775\n \nCapitalization of acquisition costs\n4\n \n\u2014\n \n4\n \n1\n \n4\n \n176\n \nAmortization\n(\n17\n)\n(\n1\n)\n\u2014\n \n(\n2\n)\n(\n8\n)\n(\n240\n)\nBalance at December 31, 2023\n$\n223\n \n$\n2\n \n$\n6\n \n$\n17\n \n$\n75\n \n$\n2,711\n \nOther broker dealer acquisition costs\n2\n \nBalance at December 31, 2023 including broker dealer acquisition costs\n$\n2,713\n \nThe following tables summarize the balances of and changes in DSIC, including the January 1, 2021 adoption of ASU 2018-12:\nVariable Annuities\nFixed Annuities\nTotal,\nAll Products\n(in millions)\nPre-adoption balance at December 31, 2020\n$\n175\n \n$\n14\n \n$\n189\n \nEffect of shadow reserve adjustments\n8\n \n8\n \n16\n \nPost-adoption balance at January 1, 2021\n183\n \n22\n \n205\n \nCapitalization of sales inducement costs\n1\n \n\u2014\n \n1\n \nAmortization\n(\n18\n)\n(\n3\n)\n(\n21\n)\nBalance at December 31, 2021\n$\n166\n \n$\n19\n \n$\n185\n \n113", "bd211966-357f-48b6-95e7-ae6b6aa01bc8": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nVariable Annuities\nFixed Annuities\nTotal,\nAll Products\n(in millions)\nBalance at January 1, 2022\n$\n166\n \n$\n19\n \n$\n185\n \nCapitalization of sales inducement costs\n1\n \n\u2014\n \n1\n \nAmortization\n(\n16\n)\n(\n3\n)\n(\n19\n)\nBalance at December 31, 2022\n$\n151\n \n$\n16\n \n$\n167\n \nVariable Annuities\nFixed Annuities\nTotal,\nAll Products\n(in millions)\nBalance at January 1, 2023\n$\n151\n \n$\n16\n \n$\n167\n \nAmortization\n(\n15\n)\n(\n4\n)\n(\n19\n)\nBalance at December 31, 2023\n$\n136\n \n$\n12\n \n$\n148\n \n11. \nPolicyholder Account Balances, Future Policy Benefits and Claims\nPolicyholder account balances, future policy benefits and claims consisted of the following:\nDecember 31, 2023\nDecember 31, 2022\n(in millions)\nPolicyholder account balances\nPolicyholder account balances\n$\n27,947\n \n$\n24,986\n \nFuture policy benefits\nLiability for future policy benefits\n7,763\n \n7,495\n \nDeferred profit liability\n81\n \n62\n \nAdditional liabilities for insurance guarantees\n1,321\n \n1,186\n \nOther insurance and annuity liabilities\n213\n \n177\n \nTotal future policy benefits\n9,378\n \n8,920\n \nPolicy claims and other policyholders\u2019 funds\n220\n \n226\n \nTotal policyholder account balances, future policy benefits and claims\n$\n37,545\n \n$\n34,132\n \nVariable Annuities\nPurchasers of variable annuities can select from a variety of investment options and can elect to allocate a portion to a fixed account. A vast majority of the premiums\nreceived for variable annuity contracts are held in separate accounts where the assets are held for the exclusive benefit of those contractholders.\nMost of the variable annuity contracts issued by the Company contain a GMDB. The Company previously offered contracts with GMAB, GMWB, and GMIB\nprovisions. See Note 2 and Note 13 for additional information regarding the Company\u2019s variable annuity guarantees. See Note 16 and Note 18 for additional\ninformation regarding the Company\u2019s derivative instruments used to hedge risks related to these guarantees.\nStructured Variable Annuities\nStructured variable annuities provide contractholders the option to allocate a portion of their account value to an indexed account held in a non-insulated separate\naccount with the contractholder\u2019s rate of return, which may be positive or negative, tied to selected indices. The amount allocated by a contractholder to the indexed\naccount creates an embedded derivative which is measured at fair value. The Company hedges the equity and interest rate risk related to the indexed account with\nfreestanding derivative instruments.\nFixed Annuities\nFixed annuities include deferred, payout and fixed deferred indexed annuity contracts. \nIn 2020, the Company discontinued sales of fixed deferred and fixed deferred\nindexed annuities.\nDeferred contracts offer a guaranteed minimum rate of interest and security of the principal invested. Payout contracts guarantee a fixed income payment for life or\nthe term of the contract. Liabilities for fixed annuities in a benefit or payout status are based on future estimated payments using established industry mortality tables\nand interest rates.\nThe Company\u2019s fixed index annuity product is a fixed annuity that includes an indexed account. The rate of interest credited above the minimum guarantee for funds\nallocated to the indexed account is linked to the performance of the specific index for the indexed\n114", "2a14259c-9cca-446e-94ac-bd23c878092e": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\naccount (subject to a cap). The amount allocated by a contractholder to the indexed account creates an embedded derivative which is measured at fair value.\nSee Note 18 for additional information regarding the Company\u2019s derivative instruments used to hedge the risk related to indexed accounts.\nInsurance Liabilities\nUL policies accumulate cash value that increases by a fixed interest rate. Purchasers of VUL can select from a variety of investment options and can elect to allocate a\nportion of their account balance to a fixed account or a separate account. A vast majority of the premiums received for VUL policies are held in separate accounts\nwhere the assets are held for the exclusive benefit of those policyholders.\nIUL is a UL policy that includes an indexed account. The rate of credited interest for funds allocated by a contractholder to the indexed account is linked to the\nperformance of the specific index for the indexed account (subject to stated account parameters, which include a cap and floor, or a spread). The policyholder may\nallocate all or a portion of the policy value to a fixed or any available indexed account. The amount allocated by a contractholder to the indexed account creates an\nembedded derivative which is measured at fair value. The Company hedges the interest credited rate including equity and interest rate risk related to the indexed\naccount with freestanding derivative instruments. See Note 18 for additional information regarding the Company\u2019s derivative instruments used to hedge the risk\nrelated to IUL.\nThe Company also offers term life insurance as well as DI products. The Company no longer offers standalone LTC products and whole life insurance but has in\nforce policies from prior years.\nInsurance liabilities include accumulation values, incurred but not reported claims, obligations for anticipated future claims, unpaid reported claims and claim\nadjustment expenses.\n115", "af66a7cc-afdc-4485-864d-15ac210bce11": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe balances of and changes in policyholder account balances were as follows:\nVariable Annuities\nStructured Variable\nAnnuities\nFixed Annuities\nFixed Indexed\nAnnuities\nNon-Life\nContingent Payout\nAnnuities\n(in millions, except percentages)\nBalance at January 1, 2023\n$\n4,752\n \n$\n6,410\n \n$\n6,799\n \n$\n312\n \n$\n471\n \nContract deposits\n73\n \n3,084\n \n47\n \n\u2014\n \n91\n \nPolicy charges\n(\n10\n)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nSurrenders and other benefits\n(\n759\n)\n(\n156\n)\n(\n1,086\n)\n(\n10\n)\n(\n127\n)\nNet transfer from (to) separate account liabilities\n(\n25\n)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nVariable account index-linked adjustments\n\u2014\n \n1,403\n \n\u2014\n \n\u2014\n \n\u2014\n \nInterest credited\n142\n \n1\n \n222\n \n5\n \n9\n \nBalance at December 31, 2023\n$\n4,173\n \n$\n10,742\n \n$\n5,982\n \n$\n307\n \n$\n444\n \nWeighted-average crediting rate\n3.3\n \n%\n1.8\n \n%\n3.6\n \n%\n2.0\n \n%\nN/A\nCash surrender value \n$\n4,146\n \n$\n10,129\n \n$\n5,974\n \n$\n278\n \nN/A\nUniversal Life\nInsurance\nVariable Universal\nLife Insurance\nIndexed Universal\nLife Insurance\nOther Life\nInsurance\nTotal,\nAll Products\n(in millions, except percentages)\nBalance at January 1, 2023\n$\n1,544\n \n$\n1,520\n \n$\n2,654\n \n$\n524\n \n$\n24,986\n \nContract deposits\n123\n \n272\n \n193\n \n1\n \n3,884\n \nPolicy charges\n(\n176\n)\n(\n94\n)\n(\n121\n)\n\u2014\n \n(\n401\n)\nSurrenders and other benefits\n(\n69\n)\n(\n78\n)\n(\n53\n)\n(\n44\n)\n(\n2,382\n)\nNet transfer from (to) separate account liabilities\n\u2014\n \n(\n107\n)\n\u2014\n \n\u2014\n \n(\n132\n)\nVariable account index-linked adjustments\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n1,403\n \nInterest credited\n52\n \n56\n \n82\n \n20\n \n589\n \nBalance at December 31, 2023\n$\n1,474\n \n$\n1,569\n \n$\n2,755\n \n$\n501\n \n$\n27,947\n \nWeighted-average crediting rate\n3.6\n \n%\n3.9\n \n%\n2.0\n \n%\n4.0\n \n%\nNet amount at risk\n$\n8,740\n \n$\n57,291\n \n$\n14,407\n \n$\n141\n \nCash surrender value\n$\n1,330\n \n$\n1,065\n \n$\n2,271\n \n$\n326\n \n(1)\n (1)\n116", "bb5d37e3-ac1b-4361-9f0a-1d38ad59f6bb": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nVariable Annuities\nStructured Variable\nAnnuities\nFixed Annuities\nFixed Indexed\nAnnuities\nNon-Life\nContingent Payout\nAnnuities\n(in millions, except percentages)\nBalance at January 1, 2022\n$\n4,972\n \n$\n4,458\n \n$\n7,251\n \n$\n323\n \n$\n527\n \nContract deposits\n146\n \n2,784\n \n55\n \n\u2014\n \n53\n \nPolicy charges\n(\n8\n)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nSurrenders and other benefits\n(\n450\n)\n(\n41\n)\n(\n744\n)\n(\n17\n)\n(\n124\n)\nNet transfer from (to) separate account liabilities\n(\n60\n)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nVariable account index-linked adjustments\n\u2014\n \n(\n791\n)\n\u2014\n \n\u2014\n \n\u2014\n \nInterest credited\n152\n \n\u2014\n \n237\n \n6\n \n15\n \nBalance at December 31, 2022\n$\n4,752\n \n$\n6,410\n \n$\n6,799\n \n$\n312\n \n$\n471\n \nWeighted-average crediting rate\n3.2\n \n%\n1.1\n \n%\n3.5\n \n%\n1.9\n \n%\nN/A\nCash surrender value \n$\n4,720\n \n$\n5,986\n \n$\n6,786\n \n$\n277\n \nN/A\nUniversal Life\nInsurance\nVariable Universal\nLife Insurance\nIndexed Universal\nLife Insurance\nOther Life\nInsurance\nTotal,\nAll Products\n(in millions, except percentages)\nBalance at January 1, 2022\n$\n1,602\n \n$\n1,493\n \n$\n2,534\n \n$\n563\n \n$\n23,723\n \nContract deposits\n134\n \n233\n \n218\n \n(\n3\n)\n3,620\n \nPolicy charges\n(\n178\n)\n(\n91\n)\n(\n116\n)\n\u2014\n \n(\n393\n)\nSurrenders and other benefits\n(\n67\n)\n(\n70\n)\n(\n50\n)\n(\n56\n)\n(\n1,619\n)\nNet transfer from (to) separate account liabilities\n\u2014\n \n(\n102\n)\n\u2014\n \n\u2014\n \n(\n162\n)\nVariable account index-linked adjustments\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n(\n791\n)\nInterest credited\n53\n \n57\n \n68\n \n20\n \n608\n \nBalance at December 31, 2022\n$\n1,544\n \n$\n1,520\n \n$\n2,654\n \n$\n524\n \n$\n24,986\n \nWeighted-average crediting rate\n3.6\n \n%\n3.9\n \n%\n2.0\n \n%\n4.0\n \n%\nNet amount at risk\n$\n9,187\n \n$\n57,354\n \n$\n15,043\n \n$\n149\n \nCash surrender value\n$\n1,382\n \n$\n1,054\n \n$\n2,148\n \n$\n348\n \n Cash surrender value represents the amount of the contractholder's account balances distributable at the balance sheet date less certain surrender charges. For VA and VUL, the cash\nsurrender value shown is the proportion of the total cash surrender value related to their fixed account liabilities.\nRefer to Note 13 for the net amount at risk for market risk benefits associated with variable and structured variable annuities. Fixed, fixed indexed, and non-life\ncontingent payout annuities do not have net amount at risk in excess of account value. Net amount at risk for insurance products is calculated as the death benefit\namount in excess of applicable account values, host, embedded derivative, and separate account liabilities.\n(1)\n (1)\n(1)\n117", "72ec75b2-727d-41a8-9692-055cdbac9fe1": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe following tables present the account values of fixed deferred annuities, fixed insurance, and the fixed portion of variable annuities and variable insurance\ncontracts by range of guaranteed minimum interest rates (\u201cGMIRs\u201d) and the range of the difference between rates credited to policyholders and contractholders as of\nDecember 31, 2023 and 2022 and the respective guaranteed minimums, as well as the percentage of account values subject to rate reset in the time period indicated.\nRates are reset at management\u2019s discretion, subject to guaranteed minimums.\nDecember 31, 2023\nAccount Values with Crediting Rates\nRange of Guaranteed\nMinimum Crediting\nRates\nAt Guaranteed\nMinimum\n1\n-\n49\n bps above\nGuaranteed\nMinimum\n50\n-\n99\n bps above\nGuaranteed\nMinimum\n100\n-\n150\n bps above\nGuaranteed\nMinimum\nGreater than \n150\nbps above\nGuaranteed\nMinimum\nTotal\n(in millions, except percentages)\nFixed accounts of variable\nannuities\n1\n \n%\n\u2013\n1.99\n%\n$\n43\n \n$\n131\n \n$\n52\n \n$\n15\n \n$\n2\n \n$\n243\n \n2\n \n%\n\u2013\n2.99\n%\n137\n \n1\n \n\u2014\n \n\u2014\n \n\u2014\n \n138\n \n3\n \n%\n\u2013\n3.99\n%\n2,214\n \n\u2014\n \n\u2014\n \n1\n \n\u2014\n \n2,215\n \n4\n \n%\n\u2013\n5.00\n%\n1,514\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n1,514\n \nTotal\n$\n3,908\n \n$\n132\n \n$\n52\n \n$\n16\n \n$\n2\n \n$\n4,110\n \nFixed accounts of structured\nvariable annuities\n1\n \n%\n\u2013\n1.99\n%\n$\n1\n \n$\n18\n \n$\n7\n \n$\n2\n \n$\n\u2014\n \n$\n28\n \n2\n \n%\n\u2013\n2.99\n%\n11\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n11\n \n3\n \n%\n\u2013\n3.99\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n4\n \n%\n\u2013\n5.00\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nTotal\n$\n12\n \n$\n18\n \n$\n7\n \n$\n2\n \n$\n\u2014\n \n$\n39\n \nFixed annuities\n1\n \n%\n\u2013\n1.99\n%\n$\n107\n \n$\n377\n \n$\n183\n \n$\n93\n \n$\n\u2014\n \n$\n760\n \n2\n \n%\n\u2013\n2.99\n%\n36\n \n14\n \n1\n \n\u2014\n \n\u2014\n \n51\n \n3\n \n%\n\u2013\n3.99\n%\n2,816\n \n1\n \n\u2014\n \n\u2014\n \n\u2014\n \n2,817\n \n4\n \n%\n\u2013\n5.00\n%\n2,339\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n2,339\n \nTotal\n$\n5,298\n \n$\n392\n \n$\n184\n \n$\n93\n \n$\n\u2014\n \n$\n5,967\n \nNon-indexed accounts of\nfixed indexed annuities\n1\n \n%\n\u2013\n1.99\n%\n$\n\u2014\n \n$\n2\n \n$\n7\n \n$\n13\n \n$\n\u2014\n \n$\n22\n \n2\n \n%\n\u2013\n2.99\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n3\n \n%\n\u2013\n3.99\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n4\n \n%\n\u2013\n5.00\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nTotal\n$\n\u2014\n \n$\n2\n \n$\n7\n \n$\n13\n \n$\n\u2014\n \n$\n22\n \nUniversal life insurance\n1\n \n%\n\u2013\n1.99\n%\n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n2\n \n%\n\u2013\n2.99\n%\n51\n \n3\n \n9\n \n\u2014\n \n\u2014\n \n63\n \n3\n \n%\n\u2013\n3.99\n%\n854\n \n1\n \n4\n \n4\n \n\u2014\n \n863\n \n4\n \n%\n\u2013\n5.00\n%\n518\n \n1\n \n\u2014\n \n\u2014\n \n\u2014\n \n519\n \nTotal\n$\n1,423\n \n$\n5\n \n$\n13\n \n$\n4\n \n$\n\u2014\n \n$\n1,445\n \n118", "34675b7b-ebd4-4a26-8bc4-821d42afd8d8": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nAccount Values with Crediting Rates\nRange of Guaranteed\nMinimum Crediting\nRates\nAt Guaranteed\nMinimum\n1\n-\n49\n bps above\nGuaranteed\nMinimum\n50\n-\n99\n bps above\nGuaranteed\nMinimum\n100\n-\n150\n bps above\nGuaranteed\nMinimum\nGreater than \n150\nbps above\nGuaranteed\nMinimum\nTotal\n(in millions, except percentages)\nFixed accounts of variable\nuniversal life insurance\n1\n \n%\n\u2013\n1.99\n%\n$\n\u2014\n \n$\n2\n \n$\n4\n \n$\n\u2014\n \n$\n24\n \n$\n30\n \n2\n \n%\n\u2013\n2.99\n%\n13\n \n12\n \n\u2014\n \n1\n \n8\n \n34\n \n3\n \n%\n\u2013\n3.99\n%\n122\n \n2\n \n3\n \n6\n \n\u2014\n \n133\n \n4\n \n%\n\u2013\n5.00\n%\n607\n \n6\n \n\u2014\n \n\u2014\n \n\u2014\n \n613\n \nTotal\n$\n742\n \n$\n22\n \n$\n7\n \n$\n7\n \n$\n32\n \n$\n810\n \nNon-indexed accounts of\nindexed universal life\ninsurance\n1\n \n%\n\u2013\n1.99\n%\n$\n\u2014\n \n$\n\u2014\n \n$\n2\n \n$\n\u2014\n \n$\n\u2014\n \n$\n2\n \n2\n \n%\n\u2013\n2.99\n%\n128\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n128\n \n3\n \n%\n\u2013\n3.99\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n4\n \n%\n\u2013\n5.00\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nTotal\n$\n128\n \n$\n\u2014\n \n$\n2\n \n$\n\u2014\n \n$\n\u2014\n \n$\n130\n \nOther life insurance\n1\n \n%\n\u2013\n1.99\n%\n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n2\n \n%\n\u2013\n2.99\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n3\n \n%\n\u2013\n3.99\n%\n30\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n30\n \n4\n \n%\n\u2013\n5.00\n%\n295\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n295\n \nTotal\n$\n325\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n325\n \nTotal\n1\n \n%\n\u2013\n1.99\n%\n$\n151\n \n$\n530\n \n$\n255\n \n$\n123\n \n$\n26\n \n$\n1,085\n \n2\n \n%\n\u2013\n2.99\n%\n376\n \n30\n \n10\n \n1\n \n8\n \n425\n \n3\n \n%\n\u2013\n3.99\n%\n6,036\n \n4\n \n7\n \n11\n \n\u2014\n \n6,058\n \n4\n \n%\n\u2013\n5.00\n%\n5,273\n \n7\n \n\u2014\n \n\u2014\n \n\u2014\n \n5,280\n \nTotal\n$\n11,836\n \n$\n571\n \n$\n272\n \n$\n135\n \n$\n34\n \n$\n12,848\n \nPercentage of total account values that reset in:\nNext 12 months\n99.9\n \n%\n99.5\n \n%\n99.3\n \n%\n100.0\n \n%\n100.0\n \n%\n99.9\n \n%\n> 12 months to 24 months\n0.1\n \n0.5\n \n0.6\n \n\u2014\n \n\u2014\n \n0.1\n \n> 24 months\n\u2014\n \n\u2014\n \n0.1\n \n\u2014\n \n\u2014\n \n\u2014\n \nTotal\n100.0\n \n%\n100.0\n \n%\n100.0\n \n%\n100.0\n \n%\n100.0\n \n%\n100.0\n \n%\nDecember 31, 2022\nAccount Values with Crediting Rates\nRange of Guaranteed\nMinimum Crediting\nRates\nAt Guaranteed\nMinimum\n1\n-\n49\n bps above\nGuaranteed\nMinimum\n50\n-\n99\n bps above\nGuaranteed\nMinimum\n100\n-\n150\n bps above\nGuaranteed\nMinimum\nGreater than \n150\nbps above\nGuaranteed\nMinimum\nTotal\n(in millions, except percentages)\nFixed accounts of variable\nannuities\n1\n \n%\n\u2013\n1.99\n%\n$\n169\n \n$\n102\n \n$\n18\n \n$\n\u2014\n \n$\n\u2014\n \n$\n289\n \n2\n \n%\n\u2013\n2.99\n%\n177\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n177\n \n3\n \n%\n\u2013\n3.99\n%\n2,611\n \n\u2014\n \n\u2014\n \n1\n \n\u2014\n \n2,", "68b1fd57-4cb1-4640-9d8b-f9e614664745": "0\n \n%\n100.0\n \n%\nDecember 31, 2022\nAccount Values with Crediting Rates\nRange of Guaranteed\nMinimum Crediting\nRates\nAt Guaranteed\nMinimum\n1\n-\n49\n bps above\nGuaranteed\nMinimum\n50\n-\n99\n bps above\nGuaranteed\nMinimum\n100\n-\n150\n bps above\nGuaranteed\nMinimum\nGreater than \n150\nbps above\nGuaranteed\nMinimum\nTotal\n(in millions, except percentages)\nFixed accounts of variable\nannuities\n1\n \n%\n\u2013\n1.99\n%\n$\n169\n \n$\n102\n \n$\n18\n \n$\n\u2014\n \n$\n\u2014\n \n$\n289\n \n2\n \n%\n\u2013\n2.99\n%\n177\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n177\n \n3\n \n%\n\u2013\n3.99\n%\n2,611\n \n\u2014\n \n\u2014\n \n1\n \n\u2014\n \n2,612\n \n4\n \n%\n\u2013\n5.00\n%\n1,611\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n1,611\n \nTotal\n$\n4,568\n \n$\n102\n \n$\n18\n \n$\n1\n \n$\n\u2014\n \n$\n4,689\n \n119", "4182e478-24be-43fd-a99d-d70e2adf1b0b": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nAccount Values with Crediting Rates\nRange of Guaranteed\nMinimum Crediting\nRates\nAt Guaranteed\nMinimum\n1\n-\n49\n bps above\nGuaranteed\nMinimum\n50\n-\n99\n bps above\nGuaranteed\nMinimum\n100\n-\n150\n bps above\nGuaranteed\nMinimum\nGreater than \n150\nbps above\nGuaranteed\nMinimum\nTotal\n(in millions, except percentages)\nFixed accounts of structured\nvariable annuities\n1\n \n%\n\u2013\n1.99\n%\n$\n12\n \n$\n7\n \n$\n3\n \n$\n1\n \n$\n\u2014\n \n$\n23\n \n2\n \n%\n\u2013\n2.99\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n3\n \n%\n\u2013\n3.99\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n4\n \n%\n\u2013\n5.00\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nTotal\n$\n12\n \n$\n7\n \n$\n3\n \n$\n1\n \n$\n\u2014\n \n$\n23\n \nFixed annuities\n1\n \n%\n\u2013\n1.99\n%\n$\n460\n \n$\n402\n \n$\n132\n \n$\n33\n \n$\n10\n \n$\n1,037\n \n2\n \n%\n\u2013\n2.99\n%\n67\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n67\n \n3\n \n%\n\u2013\n3.99\n%\n3,344\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n3,344\n \n4\n \n%\n\u2013\n5.00\n%\n2,333\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n2,333\n \nTotal\n$\n6,204\n \n$\n402\n \n$\n132\n \n$\n33\n \n$\n10\n \n$\n6,781\n \nNon-indexed accounts of\nfixed indexed annuities\n1\n \n%\n\u2013\n1.99\n%\n$\n1\n \n$\n3\n \n$\n7\n \n$\n14\n \n$\n\u2014\n \n$\n25\n \n2\n \n%\n\u2013\n2.99\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n3\n \n%\n\u2013\n3.99\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n4\n \n%\n\u2013\n5.00\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nTotal\n$\n1\n \n$\n3\n \n$\n7\n \n$\n14\n \n$\n\u2014\n \n$\n25\n \nUniversal life insurance\n1\n \n%\n\u2013\n1.99\n%\n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n2\n \n%\n\u2013\n2.99\n%\n55\n \n\u2014\n \n1\n \n\u2014\n \n\u2014\n \n56\n \n3\n \n%\n\u2013\n3.99\n%\n885\n \n1\n \n2\n \n\u2014\n \n\u2014\n \n888\n \n4\n \n%\n\u2013\n5.00\n%\n569\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n569\n \nTotal\n$\n1,509\n \n$\n1\n \n$\n3\n \n$\n\u2014\n \n$\n\u2014\n \n$\n1,513\n \nFixed accounts of variable\nuniversal life insurance\n1\n \n%\n\u2013\n1.99\n%\n$\n4\n \n$\n3\n \n$\n2\n \n$\n\u2014\n \n$\n9\n \n$\n18\n \n2\n \n%\n\u2013\n2.99\n%\n30\n \n\u2014\n \n1\n \n2\n \n2\n \n35\n \n3\n \n%\n\u2013\n3.99\n%\n134\n \n1\n \n1\n \n1\n \n\u2014\n \n137\n \n4\n \n%\n\u2013\n5.00\n%\n648\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n648\n \nTotal\n$\n816\n \n$\n4\n \n$\n4\n \n$\n3\n \n$\n11\n \n$\n838\n \nNon-indexed accounts of\nindexed universal life\ninsurance\n1\n \n%\n\u2013\n1.99\n%\n$\n\u2014\n \n$\n\u2014\n \n$\n3\n \n$\n\u2014\n \n$\n\u2014\n \n$\n3\n \n2\n \n%\n\u2013\n2.99\n%\n126\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n126\n \n3\n \n%\n\u2013\n3.99\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n4\n \n%\n\u2013\n5.00\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nTotal\n$\n126\n \n$\n\u2014\n \n$\n3\n \n$\n\u2014\n \n$\n\u2014\n \n$\n129\n \n120", "f41dd6a3-677b-4469-8700-b1f7c78cd2cc": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nAccount Values with Crediting Rates\nRange of Guaranteed\nMinimum Crediting\nRates\nAt Guaranteed\nMinimum\n1\n-\n49\n bps above\nGuaranteed\nMinimum\n50\n-\n99\n bps above\nGuaranteed\nMinimum\n100\n-\n150\n bps above\nGuaranteed\nMinimum\nGreater than \n150\nbps above\nGuaranteed\nMinimum\nTotal\n(in millions, except percentages)\nOther life insurance\n1\n \n%\n\u2013\n1.99\n%\n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n2\n \n%\n\u2013\n2.99\n%\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n3\n \n%\n\u2013\n3.99\n%\n32\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n32\n \n4\n \n%\n\u2013\n5.00\n%\n314\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n314\n \nTotal\n$\n346\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n346\n \nTotal\n1\n \n%\n\u2013\n1.99\n%\n$\n646\n \n$\n517\n \n$\n165\n \n$\n48\n \n$\n19\n \n$\n1,395\n \n2\n \n%\n\u2013\n2.99\n%\n455\n \n\u2014\n \n2\n \n2\n \n2\n \n461\n \n3\n \n%\n\u2013\n3.99\n%\n7,006\n \n2\n \n3\n \n2\n \n\u2014\n \n7,013\n \n4\n \n%\n\u2013\n5.00\n%\n5,475\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n5,475\n \nTotal\n$\n13,582\n \n$\n519\n \n$\n170\n \n$\n52\n \n$\n21\n \n$\n14,344\n \nPercentage of total account values that reset in:\nNext 12 months\n99.8\n \n%\n96.3\n \n%\n93.8\n \n%\n100.0\n \n%\n100.0\n \n%\n99.6\n \n%\n> 12 months to 24 months\n0.1\n \n3.0\n \n5.8\n \n\u2014\n \n\u2014\n \n0.3\n \n> 24 months\n0.1\n \n0.7\n \n0.4\n \n\u2014\n \n\u2014\n \n0.1\n \nTotal\n100.0\n \n%\n100.0\n \n%\n100.0\n \n%\n100.0\n \n%\n100.0\n \n%\n100.0\n \n%\nThe following tables summarize the balances of and changes in the liability for future policy benefits, including the January 1, 2021 adoption of ASU 2018-12:\nLife Contingent\nPayout Annuities\nTerm and Whole\nLife Insurance\nDisability Income\nInsurance\nLong Term Care\nInsurance\nTotal, All\nProducts\n(in millions)\nPre-adoption balance at December 31, 2020\n$\n1,536\n \n$\n633\n \n$\n530\n \n$\n5,749\n \n$\n8,448\n \nEffect of shadow reserve adjustments\n(\n175\n)\n\u2014\n \n\u2014\n \n(\n566\n)\n(\n741\n)\nAdjustments for loss contracts (with premiums in excess of gross\npremiums) under the modified retrospective approach\n4\n \n\u2014\n \n\u2014\n \n35\n \n39\n \nEffect of change in deferred profit liability\n(\n43\n)\n\u2014\n \n\u2014\n \n\u2014\n \n(\n43\n)\nEffect of remeasurement of the liability at the current single A\ndiscount rate\n215\n \n265\n \n238\n \n1,965\n \n2,683\n \nPost-adoption balance at January 1, 2021\n1,537\n \n898\n \n768\n \n7,183\n \n10,386\n \nLess: reinsurance recoverable\n\u2014\n \n601\n \n24\n \n3,623\n \n4,248\n \nPost-adoption balance at January 1, 2021, after\nreinsurance recoverable\n$\n1,537\n \n$\n297\n \n$\n744\n \n$\n3,560\n \n$\n6,138\n \n121", "dda6fa3e-f929-4cd7-8544-6157dbf812ad": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nLife Contingent\nPayout Annuities\nTerm and Whole\nLife Insurance\nDisability Income\nInsurance\nLong Term Care\nInsurance\nTotal,\nAll Products\n(in millions, except percentages)\nPresent Value of Expected Net Premiums:\nBalance at January 1, 2021\n$\n\u2014\n \n$\n702\n \n$\n238\n \n$\n1,831\n \n$\n2,771\n \nBeginning balance at original discount rate\n\u2014\n \n536\n \n183\n \n1,498\n \n2,217\n \nEffect of changes in cash flow assumptions\n\u2014\n \n\u2014\n \n\u2014\n \n(\n6\n)\n(\n6\n)\nEffect of actual variances from expected experience\n\u2014\n \n56\n \n(\n35\n)\n(\n61\n)\n(\n40\n)\nAdjusted beginning of year balance\n$\n\u2014\n \n$\n592\n \n$\n148\n \n$\n1,431\n \n$\n2,171\n \nIssuances\n38\n \n78\n \n18\n \n\u2014\n \n134\n \nInterest accrual\n\u2014\n \n29\n \n9\n \n73\n \n111\n \nNet premiums collected\n(\n38\n)\n(\n63\n)\n(\n20\n)\n(\n184\n)\n(\n305\n)\nDerecognition (lapses)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nEnding balance at original discount rate\n$\n\u2014\n \n$\n636\n \n$\n155\n \n$\n1,320\n \n$\n2,111\n \nEffect of changes in discount rate assumptions\n\u2014\n \n141\n \n33\n \n227\n \n401\n \nBalance at December 31, 2021\n$\n\u2014\n \n$\n777\n \n$\n188\n \n$\n1,547\n \n$\n2,512\n \nPresent Value of Future Policy Benefits:\nBalance at January 1, 2021\n$\n1,537\n \n$\n1,600\n \n$\n1,006\n \n$\n9,014\n \n$\n13,157\n \nBeginning balance at original discount rate\n1,321\n \n1,169\n \n714\n \n6,716\n \n9,920\n \nEffect of changes in cash flow assumptions\n\u2014\n \n\u2014\n \n\u2014\n \n(\n8\n)\n(\n8\n)\nEffect of actual variances from expected experience\n(\n14\n)\n58\n \n(\n40\n)\n(\n124\n)\n(\n120\n)\nAdjusted beginning of year balance\n$\n1,307\n \n$\n1,227\n \n$\n674\n \n$\n6,584\n \n$\n9,792\n \nIssuances\n39\n \n78\n \n18\n \n\u2014\n \n135\n \nInterest accrual\n53\n \n70\n \n39\n \n347\n \n509\n \nBenefit payments\n(\n168\n)\n(\n120\n)\n(\n43\n)\n(\n336\n)\n(\n667\n)\nDerecognition (lapses)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nEnding balance at original discount rate\n$\n1,231\n \n$\n1,255\n \n$\n688\n \n$\n6,595\n \n$\n9,769\n \nEffect of changes in discount rate assumptions\n139\n \n343\n \n226\n \n1,755\n \n2,463\n \nBalance at December 31, 2021\n$\n1,370\n \n$\n1,598\n \n$\n914\n \n$\n8,350\n \n$\n12,232\n \nAdjustment due to reserve flooring\n$\n\u2014\n \n$\n1\n \n$\n\u2014\n \n$\n\u2014\n \n$\n1\n \nNet liability for future policy benefits\n$\n1,370\n \n$\n822\n \n$\n726\n \n$\n6,803\n \n$\n9,721\n \nLess: reinsurance recoverable\n1,265\n \n558\n \n25\n \n3,443\n \n5,291\n \nNet liability for future policy benefits, after reinsurance\nrecoverable\n$\n105\n \n$\n264\n \n$\n701\n \n$\n3,360\n \n$\n4,430\n \nDiscounted expected future gross premiums\n$\n\u2014\n \n$\n2,005\n \n$\n1,158\n \n$\n1,623\n \n$\n4,786\n \nExpected future gross premiums\n$\n\u2014\n \n$\n2,815\n \n$\n1,395\n \n$\n1,905\n \n$\n6,115\n \nExpected future benefit payments\n$\n1,707\n \n$\n2,159\n \n$\n1,217\n \n$\n11,568\n \n$\n16,651\n \nWeighted average interest accretion rate\n4.2\n \n%\n6.5\n \n%\n5.9\n \n%\n5.3\n \n%\nWeighted average discount rate\n2.6\n \n%\n2.8\n \n%\n2.8\n \n%\n2.9\n \n%\nWeighted average duration of liability (in years)\n7\n8\n9\n10\n122", "6f4387c9-ff5d-45b3-b264-6f8736103c53": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nLife Contingent\nPayout Annuities\nTerm and Whole\nLife Insurance\nDisability Income\nInsurance\nLong Term Care\nInsurance\nTotal,\nAll Products\n(in millions, except percentages)\nPresent Value of Expected Net Premiums:\nBalance at January 1, 2022\n$\n\u2014\n \n$\n777\n \n$\n188\n \n$\n1,547\n \n$\n2,512\n \nBeginning balance at original discount rate\n\u2014\n \n636\n \n155\n \n1,320\n \n2,111\n \nEffect of changes in cash flow assumptions\n\u2014\n \n1\n \n1\n \n52\n \n54\n \nEffect of actual variances from expected experience\n\u2014\n \n47\n \n(\n22\n)\n(\n48\n)\n(\n23\n)\nAdjusted beginning of year balance\n$\n\u2014\n \n$\n684\n \n$\n134\n \n$\n1,324\n \n$\n2,142\n \nIssuances\n42\n \n57\n \n12\n \n\u2014\n \n111\n \nInterest accrual\n\u2014\n \n34\n \n7\n \n65\n \n106\n \nNet premiums collected\n(\n42\n)\n(\n67\n)\n(\n16\n)\n(\n169\n)\n(\n294\n)\nDerecognition (lapses)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nEnding balance at original discount rate\n$\n\u2014\n \n$\n708\n \n$\n137\n \n$\n1,220\n \n$\n2,065\n \nEffect of changes in discount rate assumptions\n\u2014\n \n(\n22\n)\n(\n3\n)\n(\n13\n)\n(\n38\n)\nBalance at December 31, 2022\n$\n\u2014\n \n$\n686\n \n$\n134\n \n$\n1,207\n \n$\n2,027\n \nPresent Value of Future Policy Benefits:\nBalance at January 1, 2022\n$\n1,370\n \n$\n1,598\n \n$\n914\n \n$\n8,350\n \n$\n12,232\n \nBeginning balance at original discount rate\n1,231\n \n1,255\n \n688\n \n6,595\n \n9,769\n \nEffect of changes in cash flow assumptions\n\u2014\n \n(\n8\n)\n1\n \n42\n \n35\n \nEffect of actual variances from expected experience\n(\n13\n)\n52\n \n(\n28\n)\n(\n36\n)\n(\n25\n)\nAdjusted beginning of year balance\n$\n1,218\n \n$\n1,299\n \n$\n661\n \n$\n6,601\n \n$\n9,779\n \nIssuances\n42\n \n57\n \n12\n \n\u2014\n \n111\n \nInterest accrual\n49\n \n73\n \n38\n \n336\n \n496\n \nBenefit payments\n(\n154\n)\n(\n116\n)\n(\n42\n)\n(\n368\n)\n(\n680\n)\nDerecognition (lapses)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nEnding balance at original discount rate\n$\n1,155\n \n$\n1,313\n \n$\n669\n \n$\n6,569\n \n$\n9,706\n \nEffect of changes in discount rate assumptions\n(\n90\n)\n6\n \n27\n \n(\n130\n)\n(\n187\n)\nBalance at December 31, 2022\n$\n1,065\n \n$\n1,319\n \n$\n696\n \n$\n6,439\n \n$\n9,519\n \nAdjustment due to reserve flooring\n$\n\u2014\n \n$\n3\n \n$\n\u2014\n \n$\n\u2014\n \n$\n3\n \nNet liability for future policy benefits\n$\n1,065\n \n$\n636\n \n$\n562\n \n$\n5,232\n \n$\n7,495\n \nLess: reinsurance recoverable\n949\n \n443\n \n19\n \n2,649\n \n4,060\n \nNet liability for future policy benefits, after reinsurance\nrecoverable\n$\n116\n \n$\n193\n \n$\n543\n \n$\n2,583\n \n$\n3,435\n \nDiscounted expected future gross premiums\n$\n\u2014\n \n$\n1,855\n \n$\n926\n \n$\n1,381\n \n$\n4,162\n \nExpected future gross premiums\n$\n\u2014\n \n$\n3,183\n \n$\n1,331\n \n$\n1,908\n \n$\n6,422\n \nExpected future benefit payments\n$\n1,595\n \n$\n2,234\n \n$\n1,169\n \n$\n11,229\n \n$\n16,227\n \nWeighted average interest accretion rate\n4.1\n \n%\n6.4\n \n%\n6.1\n \n%\n5.2\n \n%\nWeighted average discount rate\n5.2\n \n%\n5.5\n \n%\n5.4\n \n%\n5.4\n \n%\nWeighted average duration of liability (in years)\n6\n7\n8\n9\n123", "79d336f4-bd24-459a-97be-b15e14117dea": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nLife Contingent\nPayout Annuities\nTerm and Whole\nLife Insurance\nDisability Income\nInsurance\nLong Term Care\nInsurance\nTotal,\nAll Products\n(in millions, except percentages)\nPresent Value of Expected Net Premiums:\nBalance at January 1, 2023\n$\n\u2014\n \n$\n686\n \n$\n134\n \n$\n1,207\n \n$\n2,027\n \nBeginning balance at original discount rate\n\u2014\n \n708\n \n137\n \n1,220\n \n2,065\n \nEffect of changes in cash flow assumptions\n\u2014\n \n(\n19\n)\n(\n19\n)\n19\n \n(\n19\n)\nEffect of actual variances from expected experience\n\u2014\n \n(\n2\n)\n(\n18\n)\n(\n3\n)\n(\n23\n)\nAdjusted beginning of year balance\n$\n\u2014\n \n$\n687\n \n$\n100\n \n$\n1,236\n \n$\n2,023\n \nIssuances\n177\n \n55\n \n12\n \n\u2014\n \n244\n \nInterest accrual\n1\n \n36\n \n5\n \n59\n \n101\n \nNet premiums collected\n(\n178\n)\n(\n70\n)\n(\n12\n)\n(\n158\n)\n(\n418\n)\nDerecognition (lapses)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nEnding balance at original discount rate\n$\n\u2014\n \n$\n708\n \n$\n105\n \n$\n1,137\n \n$\n1,950\n \nEffect of changes in discount rate assumptions\n\u2014\n \n(\n5\n)\n(\n1\n)\n9\n \n3\n \nBalance at December 31, 2023\n$\n\u2014\n \n$\n703\n \n$\n104\n \n$\n1,146\n \n$\n1,953\n \nPresent Value of Future Policy Benefits:\nBalance at January 1, 2023\n$\n1,065\n \n$\n1,319\n \n$\n696\n \n$\n6,439\n \n$\n9,519\n \nBeginning balance at original discount rate\n1,155\n \n1,313\n \n669\n \n6,569\n \n9,706\n \nEffect of changes in cash flow assumptions\n\u2014\n \n(\n18\n)\n(\n25\n)\n9\n \n(\n34\n)\nEffect of actual variances from expected experience\n(\n10\n)\n(\n1\n)\n(\n29\n)\n5\n \n(\n35\n)\nAdjusted beginning of year balance\n$\n1,145\n \n$\n1,294\n \n$\n615\n \n$\n6,583\n \n$\n9,637\n \nIssuances\n177\n \n56\n \n11\n \n\u2014\n \n244\n \nInterest accrual\n50\n \n73\n \n37\n \n329\n \n489\n \nBenefit payments\n(\n150\n)\n(\n132\n)\n(\n42\n)\n(\n405\n)\n(\n729\n)\nDerecognition (lapses)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nEnding balance at original discount rate\n$\n1,222\n \n$\n1,291\n \n$\n621\n \n$\n6,507\n \n$\n9,641\n \nEffect of changes in discount rate assumptions\n(\n58\n)\n34\n \n40\n \n54\n \n70\n \nBalance at December 31, 2023\n$\n1,164\n \n$\n1,325\n \n$\n661\n \n$\n6,561\n \n$\n9,711\n \nAdjustment due to reserve flooring\n$\n\u2014\n \n$\n5\n \n$\n\u2014\n \n$\n\u2014\n \n$\n5\n \nNet liability for future policy benefits\n$\n1,164\n \n$\n627\n \n$\n557\n \n$\n5,415\n \n$\n7,763\n \nLess: reinsurance recoverable\n880\n \n440\n \n22\n \n2,738\n \n4,080\n \nNet liability for future policy benefits, after reinsurance\nrecoverable\n$\n284\n \n$\n187\n \n$\n535\n \n$\n2,677\n \n$\n3,683\n \nDiscounted expected future gross premiums\n$\n\u2014\n \n$\n1,764\n \n$\n904\n \n$\n1,325\n \n$\n3,993\n \nExpected future gross premiums\n$\n\u2014\n \n$\n2,938\n \n$\n1,269\n \n$\n1,786\n \n$\n5,993\n \nExpected future benefit payments\n$\n1,726\n \n$\n2,166\n \n$\n1,068\n \n$\n10,850\n \n$\n15,810\n \nWeighted average interest accretion rate\n4.2\n \n%\n6.2\n \n%\n6.1\n \n%\n5.0\n \n%\nWeighted average discount rate\n4.9\n \n%\n5.1\n \n%\n5.1\n \n%\n5.1\n \n%\nWeighted average duration of liability (in years)\n7\n7\n8\n8\n124", "ffb1bcc4-ed4c-49a2-b2c3-5e0a644f7bd7": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nImpacts of the annual review of policy benefit reserves assumptions are reflected within the effect of changes in cash flow assumptions in the disaggregated\nrollforwards above. The annual review of policy benefit reserves assumptions in the third quarter of 2023 resulted in a net decrease in future policy benefit reserves,\nprimarily due to updates to LTC premium rate increase assumptions. The annual review of policy benefit reserves assumptions in the third quarter of 2022 resulted in\na net decrease in future policy benefit reserves, primarily due to updates to LTC morbidity, premium rate increase and benefit reduction assumptions, and updates to\nTerm Life lapse assumptions. The annual review of policy benefit reserves assumptions in the third quarter of 2021 resulted in a net decrease in future policy benefit\nreserves, primarily due to updates to LTC premium rate increase and benefit reduction assumptions.\nThe balances of and changes in additional liabilities related to insurance guarantees were as follows:\nUniversal Life\nInsurance\nVariable Universal\nLife Insurance\nOther Life\nInsurance\nTotal,\nAll Products\n(in millions, except percentages)\nBalance at January 1, 2023\n$\n1,100\n \n$\n74\n \n$\n12\n \n$\n1,186\n \nInterest accrual\n35\n \n5\n \n1\n \n41\n \nBenefit accrual\n128\n \n8\n \n2\n \n138\n \nBenefit payments\n(\n50\n)\n(\n18\n)\n(\n4\n)\n(\n72\n)\nEffect of actual variances from expected experience\n(\n13\n)\n11\n \n(\n2\n)\n(\n4\n)\nImpact of change in net unrealized (gains) losses on securities\n25\n \n1\n \n6\n \n32\n \nBalance at December 31, 2023\n$\n1,225\n \n$\n81\n \n$\n15\n \n$\n1,321\n \nWeighted average interest accretion rate\n3.0\n \n%\n6.9\n \n%\n4.0\n \n%\nWeighted average discount rate\n3.2\n \n%\n7.1\n \n%\n4.0\n \n%\nWeighted average duration of reserves (in years)\n10\n8\n6\nUniversal Life\nInsurance\nVariable Universal\nLife Insurance\nOther Life\nInsurance\nTotal,\nAll Products\n(in millions, except percentages)\nBalance at January 1, 2022\n$\n1,120\n \n$\n76\n \n$\n46\n \n$\n1,242\n \nInterest accrual\n32\n \n5\n \n1\n \n38\n \nBenefit accrual\n108\n \n8\n \n\u2014\n \n116\n \nBenefit payments\n(\n43\n)\n(\n14\n)\n(\n4\n)\n(\n61\n)\nEffect of actual variances from expected experience\n(\n19\n)\n2\n \n(\n2\n)\n(\n19\n)\nImpact of change in net unrealized (gains) losses on securities\n(\n98\n)\n(\n3\n)\n(\n29\n)\n(\n130\n)\nBalance at December 31, 2022\n$\n1,100\n \n$\n74\n \n$\n12\n \n$\n1,186\n \nWeighted average interest accretion rate\n2.9\n \n%\n7.0\n \n%\n4.1\n \n%\nWeighted average discount rate\n3.2\n \n%\n7.1\n \n%\n4.0\n \n%\nWeighted average duration of reserves (in years)\n10\n8\n6\nThe amount of revenue and interest recognized in the Statement of Operations was as follows:\nYears Ended December 31,\n2023\n2022\n2021\nGross Premiums\nInterest Expense\nGross Premiums\nInterest Expense\nGross Premiums\nInterest Expense\n(in millions)\nLife contingent payout annuities\n$\n196\n \n$\n49\n \n$\n45\n \n$\n49\n \n$\n39\n \n$\n53\n \nTerm and whole life insurance\n169\n \n37\n \n169\n \n39\n \n166\n \n41\n \nDisability income insurance\n124\n \n32\n \n127\n \n31\n \n131\n \n30\n \nLong term care insurance\n185\n \n270\n \n189\n \n271\n \n192\n \n274\n \nTotal\n$\n674\n \n$\n388\n \n$\n530\n \n$\n390\n \n$\n528\n \n$\n398\n \n125", "5acf5478-21f4-48cd-8cf4-2aa4de45b260": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe following tables summarize the balances of and changes in unearned revenue, including the January 1, 2021 adoption of ASU 2018-12:\nUniversal Life\nInsurance\nVariable Universal\nLife Insurance\nIndexed Universal\nLife Insurance\nTotal,\nAll Products\n(in millions)\nPre-adoption balance at December 31, 2020\n$\n19\n \n$\n76\n \n$\n\u2014\n \n$\n95\n \nEffect of shadow reserve adjustments\n5\n \n10\n \n153\n \n168\n \nPost-adoption balance at January 1, 2021\n24\n \n86\n \n153\n \n263\n \nDeferral of revenue\n3\n \n34\n \n55\n \n92\n \nAmortization\n(\n1\n)\n(\n8\n)\n(\n13\n)\n(\n22\n)\nBalance at December 31, 2021\n$\n26\n \n$\n112\n \n$\n195\n \n$\n333\n \nBalance at January 1, 2022\n$\n26\n \n$\n112\n \n$\n195\n \n$\n333\n \nDeferral of revenue\n2\n \n48\n \n54\n \n104\n \nAmortization\n(\n1\n)\n(\n10\n)\n(\n16\n)\n(\n27\n)\nBalance at December 31, 2022\n$\n27\n \n$\n150\n \n$\n233\n \n$\n410\n \nBalance at January 1, 2023\n$\n27\n \n$\n150\n \n$\n233\n \n$\n410\n \nDeferral of revenue\n1\n \n59\n \n52\n \n112\n \nAmortization\n(\n1\n)\n(\n13\n)\n(\n19\n)\n(\n33\n)\nBalance at December 31, 2023\n$\n27\n \n$\n196\n \n$\n266\n \n$\n489\n \n12. \nSeparate Account Assets and Liabilities\nAggregate fair value of separate account assets, by major asset category, consisted of the following:\nDecember 31, 2023\nDecember 31, 2022\n(in millions)\nVariable annuities and variable universal life:\nMutual funds\n$\n74,634\n \n$\n70,876\n \nUnitized pooled pension funds:\nProperty/real estate\n1,784\n \n1,876\n \nEquity securities\n553\n \n679\n \nDebt securities\n285\n \n279\n \nCash and cash equivalents\n147\n \n208\n \nOther\n54\n \n44\n \nTotal\n$\n77,457\n \n$\n73,962\n \nNo\n gains or losses were recognized on assets transferred to separate accounts for the years ended December 31, 2023, 2022 and 2021.\n126", "6c827f24-54d5-4468-aae0-c5f4d9dc0481": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe balances of and changes in separate account liabilities were as follows:\nVariable Annuities\nVariable Universal\nLife\nUnitized Pooled\nPension Funds\nTotal\n(in millions)\nBalance at January 1, 2023\n$\n63,223\n \n$\n7,653\n \n$\n3,086\n \n$\n73,962\n \nPremiums and deposits\n835\n \n459\n \n194\n \n1,488\n \nPolicy charges\n(\n1,343\n)\n(\n292\n)\n(\n7\n)\n(\n1,642\n)\nSurrenders and other benefits\n(\n5,378\n)\n(\n317\n)\n(\n777\n)\n(\n6,472\n)\nInvestment return\n8,477\n \n1,250\n \n170\n \n9,897\n \nNet transfer from (to) general account\n25\n \n42\n \n\u2014\n \n67\n \nOther charges\n\u2014\n \n\u2014\n \n157\n \n157\n \nBalance at December 31, 2023\n$\n65,839\n \n$\n8,795\n \n$\n2,823\n \n$\n77,457\n \nCash surrender value\n$\n64,280\n \n$\n8,263\n \n$\n2,823\n \n$\n75,366\n \nVariable Annuities\nVariable Universal\nLife\nUnitized Pooled\nPension Funds\nTotal\n(in millions)\nBalance at January 1, 2022\n$\n82,862\n \n$\n9,376\n \n$\n5,253\n \n$\n97,491\n \nPremiums and deposits\n1,067\n \n425\n \n252\n \n1,744\n \nPolicy charges\n(\n1,396\n)\n(\n278\n)\n(\n11\n)\n(\n1,685\n)\nSurrenders and other benefits\n(\n4,923\n)\n(\n286\n)\n(\n1,548\n)\n(\n6,757\n)\nInvestment return\n(\n14,450\n)\n(\n1,654\n)\n(\n273\n)\n(\n16,377\n)\nNet transfer from (to) general account\n63\n \n70\n \n\u2014\n \n133\n \nOther charges\n\u2014\n \n\u2014\n \n(\n587\n)\n(\n587\n)\nBalance at December 31, 2022\n$\n63,223\n \n$\n7,653\n \n$\n3,086\n \n$\n73,962\n \nCash surrender value\n$\n61,461\n \n$\n7,200\n \n$\n3,086\n \n$\n71,747\n \n13. \nMarket Risk Benefits\nMarket risk benefits are contracts or contract features that both provide protection to the contractholder from other-than-nominal capital market risk and expose the\nCompany to other-than-nominal capital market risk. Most of the variable annuity contracts issued by the Company contain a GMDB provision. The Company\npreviously offered contracts containing GMWB, GMAB, or GMIB provisions.\nThe GMDB provisions provide a specified minimum return upon death of the contractholder. The death benefit payable is the greater of (i) the contract value less any\npurchase payment credits subject to recapture less a pro-rata portion of any rider fees, or (ii) the GMDB provisions specified in the contract. The Company has the\nfollowing primary GMDB provisions:\n\u2022\nReturn of premium \u2013 provides purchase payments minus adjusted partial surrenders.\n\u2022\nReset \u2013 provides that the value resets to the account value at specified contract anniversary intervals minus adjusted partial surrenders. This provision was\noften provided in combination with the return of premium provision and is no longer offered.\n\u2022\nRatchet \u2013 provides that the value ratchets up to the maximum account value at specified anniversary intervals, plus subsequent purchase payments less adjusted\npartial surrenders.\nThe variable annuity contracts with GMWB riders typically have account values that are based on an underlying portfolio of mutual funds, the values of which\nfluctuate based on fund performance. At contract issue, the guaranteed amount is equal to the amount deposited but the guarantee may be increased annually to the\naccount value (a \u201cstep-up\u201d) in the case of favorable market performance or by a benefit credit if the contract includes this provision.\n127", "442f41ca-bb7b-4a62-92a8-688de541354b": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe Company has GMWB riders in force, which contain one or more of the following provisions:\n\u2022\nWithdrawals at a specified rate per year until the amount withdrawn is equal to the guaranteed amount.\n\u2022\nWithdrawals at a specified rate per year for the life of the contractholder (\u201cGMWB for life\u201d).\n\u2022\nWithdrawals at a specified rate per year for joint contractholders while either is alive.\n\u2022\nWithdrawals based on performance of the contract.\n\u2022\nWithdrawals based on the age withdrawals begin.\n\u2022\nCredits are applied annually for a specified number of years to increase the guaranteed amount as long as withdrawals have not been taken.\nVariable annuity contractholders age 79 or younger at contract issue could obtain a principal-back guarantee by purchasing the optional GMAB rider for an\nadditional charge. The GMAB rider guarantees that, regardless of market performance at the end of the 10-year waiting period, the contract value will be no less than\nthe original investment or a specified percentage of the highest anniversary value, adjusted for withdrawals. If the contract value is less than the guarantee at the end\nof the 10-year period, a lump sum will be added to the contract value to make the contract value equal to the guarantee value.\nIndividual variable annuity contracts may have both a death benefit and a living benefit. Net amount at risk is quantified for each benefit and a composite net amount\nat risk is calculated using the greater of the death benefit or living benefit for each individual contract. The net amount at risk for GMDB and GMAB is defined as the\ncurrent guaranteed benefit amount in excess of the current contract value. The net amount at risk for GMIB is defined as the greater of the present value of the\nminimum guaranteed annuity payments less the current contract value or zero. The net amount at risk for GMWB is defined as the greater of the present value of the\nminimum guaranteed withdrawal payments less the current contract value or zero.\nThe following tables summarize the balances of and changes in market risk benefits, including the January 1, 2021 adoption of ASU 2018-12:\n(in millions)\nPre-adoption balance at December 31, 2020\n$\n3,084\n \nEffect of shadow reserve adjustments\n(\n3\n)\nAdjustments for the cumulative effect of the changes in instrument-specific credit risk on market risk benefits between the original contract\nissuance date and the transition date\n670\n \nAdjustments to the host contract for differences between previous carrying amount and fair value measurement for the market risk benefits\nunder the option-based method of valuation\n20\n \nAdjustments for the remaining difference (exclusive of the instrument-specific credit risk change and host contract adjustments) between\nprevious carrying amount and fair value measurements for the market risk benefits\n1,058\n \nPost-adoption balance at January 1, 2021\n$\n4,829\n \n128", "3800fa3c-0780-4711-be34-097e30c115cc": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nYears Ended December 31,\n2023\n2022\n2021\n(in millions, except age)\nBalance at beginning of period\n$\n1,103\n \n$\n2,901\n \n$\n4,829\n \nIssuances\n17\n \n27\n \n45\n \nInterest accrual and time decay\n(\n53\n)\n(\n237\n)\n(\n294\n)\nReserve increase from attributed fees collected\n788\n \n810\n \n819\n \nReserve release for benefit payments and derecognition\n(\n35\n)\n(\n29\n)\n(\n8\n)\nEffect of changes in interest rates and bond markets\n(\n367\n)\n(\n4,193\n)\n(\n1,053\n)\nEffect of changes in equity markets and subaccount performance\n(\n1,267\n)\n2,258\n \n(\n1,558\n)\nEffect of changes in equity index volatility\n(\n67\n)\n205\n \n73\n \nActual policyholder behavior different from expected behavior\n5\n \n17\n \n52\n \nEffect of changes in other future expected assumptions\n128\n \n(\n139\n)\n123\n \nEffect of changes in the instrument-specific credit risk on market risk benefits\n83\n \n(\n517\n)\n(\n127\n)\nBalance at end of period\n$\n335\n \n$\n1,103\n \n$\n2,901\n \nReconciliation of the gross balances in an asset or liability position:\nAsset position\n$\n1,427\n \n$\n1,015\n \n$\n539\n \nLiability position\n(\n1,762\n)\n(\n2,118\n)\n(\n3,440\n)\nNet asset (liability) position\n$\n(\n335\n)\n$\n(\n1,103\n)\n$\n(\n2,901\n)\nGuaranteed benefit amount in excess of current account balances (net amount at risk):\nDeath benefits\n$\n913\n \n$\n2,781\n \n$\n251\n \nLiving benefits\n$\n2,513\n \n$\n3,364\n \n$\n195\n \nComposite (greater of)\n$\n3,308\n \n$\n5,830\n \n$\n441\n \nWeighted average attained age of contractholders\n69\n68\n68\nChanges in unrealized (gains) losses in net income relating to liabilities held at end of period\n$\n(\n1,551\n)\n$\n(\n2,044\n)\n$\n(\n2,502\n)\nChanges in unrealized (gains) losses in other comprehensive income relating to liabilities held at end of\nperiod\n$\n84\n \n$\n(\n505\n)\n$\n(\n102\n)\nThe following tables provide a summary of the significant inputs and assumptions used in the fair value measurements developed by the Company or reasonably\navailable to the Company of market risk benefits:\nDecember 31, 2023\nFair Value\nValuation Technique\nSignificant Inputs and Assumptions\nRange\nWeighted \n Average\n(in millions)\nMarket risk benefits\n$\n335\n \nDiscounted cash flow\nUtilization of guaranteed withdrawals \n0.0\n%\n\u2013\n48.0\n%\n11.6\n%\nSurrender rate \n0.3\n%\n\u2013\n75.0\n%\n3.7\n%\nMarket volatility \n0.0\n%\n\u2013\n25.2\n%\n10.6\n%\nNonperformance risk \n85\n bps\n85\n bps\nMortality rate \n0.0\n%\n\u2013\n41.6\n%\n1.6\n%\n(1)\n(2)\n(3)\n(4)\n(5)\n129", "fe806681-72f1-4fdc-90fd-0a20cde33647": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nDecember 31, 2022\nFair Value\nValuation Technique\nSignificant Inputs and Assumptions\nRange\nWeighted \n Average\n(in millions)\nMarket risk benefits\n$\n1,103\n \nDiscounted cash flow\nUtilization of guaranteed withdrawals \n0.0\n%\n\u2013\n48.0\n%\n11.0\n%\nSurrender rate \n0.2\n%\n\u2013\n45.6\n%\n3.6\n%\nMarket volatility \n0.0\n%\n\u2013\n26.6\n%\n12.1\n%\nNonperformance risk \n95\n bps\n95\n bps\nMortality rate \n0.0\n%\n\u2013\n41.6\n%\n1.5\n%\n The utilization of guaranteed withdrawals represents the percentage of contractholders that will begin withdrawing in any given year. The weighted average utilization rate\nrepresents the average assumption, weighted based on the benefit base. The calculation excludes policies that have already started taking withdrawals.\nThe weighted average surrender rate represents the average assumption weighted based on the account value of each contract.\n Market volatility represents the implied volatility of each contractholder\u2019s mix of funds. The weighted average market volatility represents the average volatility across all contracts,\nweighted by the size of the guaranteed benefit.\n The nonperformance risk is the spread added to the U.S. Treasury curve.\n The weighted average mortality rate represents the average assumption weighted based on the account value of each contract.\nChanges to Significant Inputs and Assumptions:\nDuring the years ended December 31, 2023 and 2022, the Company updated inputs and assumptions based on management\u2019s review of experience studies. These\nupdates resulted in the following notable changes in the fair value estimates of market risk benefits calculations:\nYear ended December 31, 2023\n\u2022\nUpdates to utilization of guaranteed withdrawals assumptions resulted in a decrease to pre-tax income of $\n18\n million.\n\u2022\nUpdates to surrender assumptions resulted in a decrease to pre-tax income of $\n110\n million.\nYear ended December 31, 2022\n\u2022\nUpdates to utilization of guaranteed withdrawals assumptions resulted in a decrease to pre-tax income of $\n39\n million.\n\u2022\nUpdates to surrender assumptions resulted in a decrease to pre-tax income of $\n200\n million.\n\u2022\nUpdates to mortality assumptions resulted in a decrease to pre-tax income of $\n49\n million.\nRefer to the rollforward of market risk benefits for the impacts of changes to interest rate, equity market, volatility and nonperformance risk assumptions.\nUncertainty of Fair Value Measurements\nSignificant increases (decreases) in utilization and volatility used in the fair value measurement of market risk benefits in isolation would have resulted in a\nsignificantly higher (lower) liability value.\nSignificant increases (decreases) in nonperformance risk and surrender assumptions used in the fair value measurement of market risk benefits in isolation would\nhave resulted in a significantly lower (higher) liability value.\nSignificant increases (decreases) in mortality assumptions used in the fair value measurement of the death benefit portion of market risk benefits in isolation would\nhave resulted in a significantly higher (lower) liability value whereas significant increases (decreases) in mortality rates used in the fair values measurement of the life\ncontingent portion of market risk benefits in isolation would have resulted in a significantly lower (higher) liability value.\nSurrender assumptions, utilization assumptions and mortality assumptions vary with the type of base product, type of rider, duration of the policy, age of the\ncontractholder, calender year of the projection, previous withdrawal history, and the relationship between the value of the guaranteed benefit and the contract\naccumulation value.\nDetermination of Fair Value\nThe Company values market risk benefits using internal valuation models. These models include observable capital market assumptions and significant unobservable\ninputs related to implied volatility as well as contractholder behavior assumptions that include margins for risk, all of which the Company believes a market participant\nwould expect. The fair value also reflects a current estimate of the Company\u2019s nonperformance risk. Given the significant unobservable inputs to this valuation, these\nmeasurements are classified as Level 3.\n(1)\n(2)\n(3)\n(4)\n(5)\n(1)\n(2) \n(3)\n(4)\n(5)\n130", "36f96f5c-61ba-4c4c-91f9-55edbf24ab39": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\n14. \nCustomer Deposits\nCustomer deposits consisted of the following:\n \nDecember 31,\n2023\n2022\n(in millions)\nFixed rate certificates\n$\n13,284\n \n$\n9,080\n \nOther\n151\n \n221\n \nTotal investment certificate reserves\n13,435\n \n9,301\n \nInterest bearing checking\n1,258\n \n1,117\n \nMoney market\n19,940\n \n17,189\n \nSavings\n301\n \n\u2014\n \nBrokerage deposits\n2,387\n \n3,168\n \nTotal banking and brokerage deposits\n23,886\n \n21,474\n \nTotal\n$\n37,321\n \n$\n30,775\n \nInvestment Certificates\nThe Company offers fixed rate investment certificates primarily in amounts ranging from $\n1\n thousand to $\n2\n million with interest crediting rate terms ranging from \n3\n to\n36\n months. Investment certificates may be purchased either with a lump sum payment or installment payments. Certificate owners are entitled to receive a fixed sum at\neither maturity or upon demand depending on the type of certificate. Payments from certificate owners are credited to investment certificate reserves, which generally\naccumulate interest at specified percentage rates. Certain investment certificates allow for a surrender charge on premature surrenders. Reserves for certificates that\ndo not allow for a surrender charge were $\n1.5\n billion and $\n2.2\n billion as of December 31, 2023 and 2022, respectively. The Company generally invests the proceeds\nfrom investment certificates in fixed and variable rate securities. The interest paid to certificate owners is included in Banking and deposit interest expense.\nBanking and Brokerage Deposits\nBanking and brokerage deposits are amounts payable to customers related to funds deposited by customers in checking and savings, brokerage sweep balances, \nfree\ncredit balances, and funds accruing to customers as a result of trades or contracts. Money market deposits represent brokerage sweep for client balances held at\nAmeriprise Bank. Brokerage deposits primarily represent our client\u2019s free credit balances. The Company pays interest on certain customer deposit balances and the\ninterest is included in Banking and deposit interest expense.\n15. \nDebt\nThe balances and stated interest rates of outstanding debt of Ameriprise Financial were as follows: \n \nOutstanding Balance\n \nStated Interest Rate\nDecember 31,\nDecember 31,\n2023\n2022\n2023\n2022\n(in millions)\n \nLong-term debt:\nSenior notes due 2023\n$\n\u2014\n \n$\n750\n \n\u2014\n \n%\n4.0\n \n%\nSenior notes due 2024\n550\n \n550\n \n3.7\n \n3.7\n \nSenior notes due 2025\n500\n \n500\n \n3.0\n \n3.0\n \nSenior notes due 2026\n500\n \n500\n \n2.9\n \n2.9\n \nSenior notes due 2028\n600\n \n\u2014\n \n5.7\n \n\u2014\n \nSenior notes due 2032\n500\n \n500\n \n4.5\n \n4.5\n \nSenior notes due 2033\n750\n \n\u2014\n \n5.2\n \n\u2014\nFinance lease liabilities\n20\n \n30\n \nN/A\nN/A\nOther \n(\n21\n)\n(\n9\n)\nN/A\nN/A\nTotal long-term debt\n3,399\n \n2,821\n \n \n \n \nShort-term borrowings:\nFederal Home Loan Bank (\u201cFHLB\u201d) advances\n201\n \n201\n \n5.6\n \n%\n4.6\n \n%\nTotal\n$\n3,600\n \n$\n3,022\n \n \n \n \nIncludes adjustments for net unamortized discounts, debt issuance costs and other lease obligations.\nN/A Not Applicable\n(1)\n(1) \n131", "40dd6107-db5a-4013-b270-bd78cedf7e44": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nLong-Term Debt\nThe Company\u2019s senior notes may be redeemed, in whole or in part, at any time prior to maturity at a price equal to the greater of the principal amount and the present\nvalue of remaining scheduled payments, discounted to the redemption date, plus accrued interest.\nOn March 9, 2023, the Company issued $\n750\n million of \n5.15\n% unsecured senior notes due May 15, 2033 and incurred debt issuance costs of $\n7\n million. Interest\npayments are due semi-annually in arrears on May 15 and November 15, which commenced on November 15, 2023.\nOn October 16, 2023, the Company repaid $\n750\n million principal amount of its \n4.0\n% senior notes at maturity.\nOn November 9, 2023, the Company issued $\n600\n million of \n5.7\n% unsecured senior notes due December 15, 2028 and incurred debt issuance costs of $\n6\n million.\nInterest payments are due semi-annually in arrears on June 15 and December 15, which commences on June 15, 2024.\nShort-Term Borrowings\nThe Company\u2019s life insurance and bank subsidiaries are members of the FHLB of Des Moines which provides access to collateralized borrowings. As of December\n31, 2023 and 2022, the Company\u2019s life insurance subsidiary had accessed collateralized borrowings and pledged (granted a lien on) certain investments, primarily\ncommercial mortgage backed securities, with an aggregate fair value of $\n1.1\n billion and $\n962\n million, respectively. The remaining maturity of outstanding FHLB\nadvances was less than \nthree months\n as of both December 31, 2023 and 2022. The stated interest rate of the FHLB advances is a weighted average annualized interest\nrate on the outstanding borrowings as of the balance sheet date.\nThe Company\u2019s bank subsidiary had \nno\n outstanding obligations to the FHLB as of both December 31, 2023 and 2022. The Company\u2019s bank subsidiary maintains\naccess to collateralized borrowings from the Federal Reserve. As of both December 31, 2023 and 2022, there were \nno\n outstanding obligations to the Federal Reserve.\nIn June 2021, the Company entered into an amended and restated credit agreement that provides for an unsecured revolving credit facility of up to $\n1.0\n billion that\nexpires in June 2026. Under the terms of the agreement for the facility, the Company may increase the amount of this facility up to $\n1.25\n billion upon satisfaction of\ncertain approval requirements. Prior to June 21, 2023, the interest rate for any borrowing under the agreement was established by reference to London Interbank\nOffered Rate (\u201cLIBOR\u201d) for U.S. dollar deposits with maturities comparable to the relevant interest period, plus an applicable margin subject to adjustment based on\ndebt ratings of the senior unsecured debt of the Company with an integrated hardwired approach to a fallback interest rate with certain hardwired credit spread\nadjustments. On June 21, 2023, in anticipation of the end of the publication of U.S. dollar LIBOR, an amendment to the agreement changed the interest rate from\nLIBOR for U.S. dollars to a Spread Adjusted Term Secured Overnight Financing Rate (\u201cSOFR\u201d), which is defined as Term SOFR for an interest period selected by the\nCompany plus a credit spread adjustment of \n0.10\n%, plus an applicable margin subject to adjustment based on debt ratings of the senior unsecured debt of the\nCompany. In the event of default, an additional \n2\n% interest will accrue during such period of default. As of both December 31, 2023 and 2022, the Company had \nno\nborrowings outstanding and $\n1\n million of letters of credit issued against the facility. The Company\u2019s credit facility contains various administrative, reporting, legal\nand financial covenants. The Company was in compliance with all such covenants as of both December 31, 2023 and 2022.\nAmerican Enterprise Investment Services, Inc. (\u201cAEIS\u201d), a subsidiary of the Company, has credit agreements for uncommitted lines of credit with third party financial\ninstitutions, having a combined credit limit of $\n500\n million. As of both December 31, 2023 and 2022, AEIS had \nno\n borrowings outstanding\n.\n16.", "79761ff0-ed26-47d1-874d-e8a4fbcd2ffd": "In the event of default, an additional \n2\n% interest will accrue during such period of default. As of both December 31, 2023 and 2022, the Company had \nno\nborrowings outstanding and $\n1\n million of letters of credit issued against the facility. The Company\u2019s credit facility contains various administrative, reporting, legal\nand financial covenants. The Company was in compliance with all such covenants as of both December 31, 2023 and 2022.\nAmerican Enterprise Investment Services, Inc. (\u201cAEIS\u201d), a subsidiary of the Company, has credit agreements for uncommitted lines of credit with third party financial\ninstitutions, having a combined credit limit of $\n500\n million. As of both December 31, 2023 and 2022, AEIS had \nno\n borrowings outstanding\n.\n16. \nFair Values of Assets and Liabilities\nGAAP defines fair value as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the\nmeasurement date; that is, an exit price. The exit price assumes the asset or liability is not exchanged subject to a forced liquidation or distressed sale.\nValuation Hierarchy\nThe Company categorizes its fair value measurements according to a three-level hierarchy. The hierarchy prioritizes the inputs used by the Company\u2019s valuation\ntechniques. A level is assigned to each fair value measurement based on the lowest level input that is significant to the fair value measurement in its entirety.\nThe three levels of the fair value hierarchy are defined as follows:\nLevel 1 Unadjusted quoted prices for identical assets or liabilities in active markets that are accessible at the measurement date.\nLevel 2 Prices or valuations based on observable inputs other than quoted prices in active markets for identical assets and liabilities.\nLevel 3 Prices or valuations that require inputs that are both significant to the fair value measurement and unobservable.\n132", "7c9140a6-154f-4e1d-aa98-c7ba1ceb8ce1": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe following tables present the balances of assets and liabilities of Ameriprise Financial measured at fair value on a recurring basis (See Note 5 for the balances of\nassets and liabilities for consolidated investment entities): \n \nDecember 31, 2023\n \nLevel 1\nLevel 2\nLevel 3\nTotal\n(in millions)\nAssets\n \n \n \n \n \nCash equivalents\n$\n704\n \n$\n4,325\n \n$\n\u2014\n \n$\n5,029\n \n \nAvailable-for-Sale securities:\nCorporate debt securities\n\u2014\n \n12,107\n \n469\n \n12,576\n \n \nResidential mortgage backed securities\n\u2014\n \n21,066\n \n\u2014\n \n21,066\n \n \nCommercial mortgage backed securities\n\u2014\n \n6,050\n \n\u2014\n \n6,050\n \n \nAsset backed securities\n\u2014\n \n8,318\n \n1\n \n8,319\n \n \nState and municipal obligations\n\u2014\n \n760\n \n\u2014\n \n760\n \n \nU.S. government and agency obligations\n2,740\n \n\u2014\n \n\u2014\n \n2,740\n \n \nForeign government bonds and obligations\n\u2014\n \n18\n \n\u2014\n \n18\n \n \nOther securities\n\u2014\n \n33\n \n\u2014\n \n33\n \nTotal Available-for-Sale securities\n2,740\n \n48,352\n \n470\n \n51,562\n \n \nInvestments at net asset value (\u201cNAV\u201d)\n10\n \n(1)\nTrading and other securities\n265\n \n25\n \n\u2014\n \n290\n \n \nSeparate account assets at NAV\n77,457\n \n(1)\nInvestments and cash equivalents segregated for regulatory purposes\n699\n \n\u2014\n \n\u2014\n \n699\n \nMarket risk benefits\n\u2014\n \n\u2014\n \n1,427\n \n1,427\n \n(2)\nReceivables:\nFixed deferred indexed annuity ceded embedded derivatives\n\u2014\n \n\u2014\n \n51\n \n51\n \nOther assets:\nInterest rate derivative contracts\n1\n \n184\n \n\u2014\n \n185\n \n \nEquity derivative contracts\n66\n \n4,968\n \n\u2014\n \n5,034\n \n \nCredit derivative contracts\n\u2014\n \n4\n \n\u2014\n \n4\n \nForeign exchange derivative contracts\n1\n \n21\n \n\u2014\n \n22\n \n \nTotal other assets\n68\n \n5,177\n \n\u2014\n \n5,245\n \n \nTotal assets at fair value\n$\n4,476\n \n$\n57,879\n \n$\n1,948\n \n$\n141,770\n \n \nLiabilities\nPolicyholder account balances, future policy benefits and claims:\nFixed deferred indexed annuity embedded derivatives\n$\n\u2014\n \n$\n3\n \n$\n49\n \n$\n52\n \n \nIUL embedded derivatives\n\u2014\n \n\u2014\n \n873\n \n873\n \n \nStructured variable annuity embedded derivatives\n\u2014\n \n\u2014\n \n1,011\n \n1,011\n \nTotal policyholder account balances, future policy benefits and claims\n\u2014\n \n3\n \n1,933\n \n1,936\n \n(3)\nMarket risk benefits\n\u2014\n \n\u2014\n \n1,762\n \n1,762\n \n(2)\nCustomer deposits\n\u2014\n \n9\n \n\u2014\n \n9\n \n \nOther liabilities:\nInterest rate derivative contracts\n1\n \n304\n \n\u2014\n \n305\n \n \nEquity derivative contracts\n96\n \n3,368\n \n\u2014\n \n3,464\n \n \nCredit derivative contracts\n\u2014\n \n107\n \n\u2014\n \n107\n \nForeign exchange derivative contracts\n1\n \n6\n \n\u2014\n \n7\n \nOther\n259\n \n3\n \n76\n \n338\n \n \nTotal other liabilities\n357\n \n3,788\n \n76\n \n4,221\n \n \nTotal liabilities at fair value\n$\n357\n \n$\n3,800\n \n$\n3,771\n \n$\n7,928\n \n \n133", "05ccfd7e-9be7-4b6c-972f-312d82c78657": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\n \nDecember 31, 2022\n \nLevel 1\nLevel 2\nLevel 3\nTotal\n(in millions)\nAssets\nCash equivalents\n$\n1,268\n \n$\n3,835\n \n$\n\u2014\n \n$\n5,103\n \n \nAvailable-for-Sale securities:\nCorporate debt securities\n\u2014\n \n9,293\n \n405\n \n9,698\n \n \nResidential mortgage backed securities\n\u2014\n \n15,703\n \n\u2014\n \n15,703\n \n \nCommercial mortgage backed securities\n\u2014\n \n6,212\n \n\u2014\n \n6,212\n \n \nAsset backed securities\n\u2014\n \n6,258\n \n6\n \n6,264\n \n \nState and municipal obligations\n\u2014\n \n797\n \n\u2014\n \n797\n \n \nU.S. government and agency obligations\n2,079\n \n\u2014\n \n\u2014\n \n2,079\n \n \nForeign government bonds and obligations\n\u2014\n \n41\n \n\u2014\n \n41\n \n \nOther securities\n\u2014\n \n17\n \n\u2014\n \n17\n \nTotal Available-for-Sale securities\n2,079\n \n38,321\n \n411\n \n40,811\n \n \nInvestments at NAV\n9\n \n(1)\nTrading and other securities\n211\n \n16\n \n\u2014\n \n227\n \n \nSeparate account assets at NAV\n73,962\n \n(1)\nInvestments and cash equivalents segregated for regulatory purposes\n646\n \n\u2014\n \n\u2014\n \n646\n \nMarket risk benefits\n\u2014\n \n\u2014\n \n1,015\n \n1,015\n \n(2)\nReceivables:\nFixed deferred indexed annuity ceded embedded derivatives\n\u2014\n \n\u2014\n \n48\n \n48\n \nOther assets:\nInterest rate derivative contracts\n7\n \n260\n \n\u2014\n \n267\n \n \nEquity derivative contracts\n129\n \n2,575\n \n\u2014\n \n2,704\n \n \nCredit derivative contracts\n\u2014\n \n13\n \n\u2014\n \n13\n \nForeign exchange derivative contracts\n\u2014\n \n36\n \n\u2014\n \n36\n \n \nTotal other assets\n136\n \n2,884\n \n\u2014\n \n3,020\n \n \nTotal assets at fair value\n$\n4,340\n \n$\n45,056\n \n$\n1,474\n \n$\n124,841\n \nLiabilities\nPolicyholder account balances, future policy benefits and claims:\nFixed deferred indexed annuity embedded derivatives\n$\n\u2014\n \n$\n3\n \n$\n44\n \n$\n47\n \n \nIUL embedded derivatives\n\u2014\n \n\u2014\n \n739\n \n739\n \n \nStructured variable annuity embedded derivatives\n\u2014\n \n\u2014\n \n(\n137\n)\n(\n137\n)\n(4)\nTotal policyholder account balances, future policy benefits and claims\n\u2014\n \n3\n \n646\n \n649\n \n(5)\nMarket risk benefits\n\u2014\n \n\u2014\n \n2,118\n \n2,118\n \n(2)\nCustomer deposits\n\u2014\n \n4\n \n\u2014\n \n4\n \n \nOther liabilities:\nInterest rate derivative contracts\n4\n \n351\n \n\u2014\n \n355\n \n \nEquity derivative contracts\n139\n \n2,238\n \n\u2014\n \n2,377\n \nCredit derivative contracts\n\u2014\n \n2\n \n\u2014\n \n2\n \nForeign exchange derivative contracts\n6\n \n8\n \n\u2014\n \n14\n \n \nOther\n205\n \n5\n \n62\n \n272\n \n \nTotal other liabilities\n354\n \n2,604\n \n62\n \n3,020\n \nTotal liabilities at fair value\n$\n354\n \n$\n2,611\n \n$\n2,826\n \n$\n5,791\n \n Amounts are comprised of certain financial instruments that are measured at fair value using the NAV per share (or its equivalent) as a practical expedient and have not been\nclassified in the fair value hierarchy.\n See Note 13 for additional information related to market risk benefits, including the balances of and changes in market risk benefits as well as the significant inputs and assumptions\nused in the fair value measurements of market risk benefits.\n(1)\n(2)\n134", "2d8bcb45-4534-4be4-9f26-48ca5acee418": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\n The Company\u2019s adjustment for nonperformance risk resulted in a $\n195\n million cumulative decrease to the embedded derivatives as of December 31, 2023.\n The fair value of the structured variable annuity embedded derivatives was a net asset as of December 31, 2022 and the amount is presented as a contra liability.\n The Company\u2019s adjustment for nonperformance risk resulted in a $\n139\n million cumulative decrease to the embedded derivatives as of December 31, 2022.\nThe following tables provide a summary of changes in Level 3 assets and liabilities of Ameriprise Financial measured at fair value on a recurring basis:\n \nAvailable-for-Sale Securities\nReceivables\nCorporate Debt\nSecurities\nAsset Backed\nSecurities\nTotal\nFixed Deferred Indexed\nAnnuity Ceded\nEmbedded Derivatives\n(in millions)\nBalance at January 1, 2023\n$\n405\n \n$\n6\n \n$\n411\n \n$\n48\n \nTotal gains (losses) included in:\nNet income\n\u2014\n \n\u2014\n \n\u2014\n \n(1)\n6\n \nOther comprehensive income (loss)\n11\n \n\u2014\n \n11\n \n\u2014\n \nPurchases\n126\n \n\u2014\n \n126\n \n\u2014\n \nSettlements\n(\n73\n)\n(\n5\n)\n(\n78\n)\n(\n3\n)\nBalance at December 31, 2023\n$\n469\n \n$\n1\n \n$\n470\n \n$\n51\n \nChanges in unrealized gains (losses) in other comprehensive income (loss) relating to\nassets held at December 31, 2023\n$\n11\n \n$\n\u2014\n \n$\n11\n \n$\n\u2014\n \nPolicyholder Account Balances, Future Policy Benefits and Claims\nOther Liabilities\nFixed Deferred\nIndexed Annuity\nEmbedded\nDerivatives\nIUL Embedded\nDerivatives\nStructured Variable\nAnnuity Embedded\nDerivatives\nTotal\n(in millions)\nBalance at January 1, 2023\n$\n44\n \n$\n739\n \n$\n(\n137\n)\n(5)\n$\n646\n \n$\n62\n \nTotal (gains) losses included in:\nNet income\n8\n \n(2)\n198\n \n(2)\n1,166\n \n(3)\n1,372\n \n2\n \n(4)\nOther comprehensive income (loss)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n1\n \nIssues\n\u2014\n \n59\n \n104\n \n163\n \n44\n \nSettlements\n(\n3\n)\n(\n123\n)\n(\n122\n)\n(\n248\n)\n(\n33\n)\nBalance at December 31, 2023\n$\n49\n \n$\n873\n \n$\n1,011\n \n$\n1,933\n \n$\n76\n \nChanges in unrealized (gains) losses in net income relating to\nliabilities held at December 31, 2023\n$\n\u2014\n \n$\n198\n \n(2)\n$\n1,166\n \n(3)\n$\n1,364\n \n$\n\u2014\n \n(3)\n(4)\n(5)\n135", "3983568e-a93f-4ad7-912c-a454e751fd32": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\n \nAvailable-for-Sale Securities\n \nReceivables\nCorporate Debt\nSecurities\nResidential\nMortgage Backed\nSecurities\nCommercial\nMortgage Backed\nSecurities\nAsset Backed\nSecurities\nTotal\nFixed Deferred\nIndexed Annuity\nCeded Embedded\nDerivatives\n(in millions)\nBalance at January 1, 2022\n$\n502\n \n$\n\u2014\n \n$\n35\n \n$\n7\n \n$\n544\n \n$\n59\n \nTotal gains (losses) included in:\nNet income\n(\n1\n)\n\u2014\n \n\u2014\n \n\u2014\n \n(\n1\n)\n(1)\n(\n8\n)\nOther comprehensive income (loss)\n(\n44\n)\n(\n4\n)\n\u2014\n \n(\n1\n)\n(\n49\n)\n\u2014\n \nPurchases\n39\n \n389\n \n112\n \n32\n \n572\n \n\u2014\n \nSettlements\n(\n91\n)\n\u2014\n \n\u2014\n \n\u2014\n \n(\n91\n)\n(\n3\n)\nTransfers out of Level 3\n\u2014\n \n(\n385\n)\n(\n147\n)\n(\n32\n)\n(\n564\n)\n\u2014\n \nBalance at December 31, 2022\n$\n405\n \n$\n\u2014\n \n$\n\u2014\n \n$\n6\n \n$\n411\n \n$\n48\n \nChanges in unrealized gains (losses) in net income\nrelating to assets held at December 31, 2022\n$\n(\n1\n)\n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n(\n1\n)\n(1)\n$\n\u2014\n \nChanges in unrealized gains (losses) in other\ncomprehensive income (loss) relating to assets held at\nDecember 31, 2022\n$\n(\n42\n)\n$\n\u2014\n \n$\n\u2014\n \n$\n(\n1\n)\n$\n(\n43\n)\n$\n\u2014\n \nPolicyholder Account Balances, Future Policy Benefits and Claims\nOther Liabilities\nFixed Deferred\nIndexed Annuity\nEmbedded\nDerivatives\nIUL Embedded\nDerivatives\nStructured Variable\nAnnuity Embedded\nDerivatives\nTotal\n(in millions)\nBalance at January 1, 2022\n$\n56\n \n$\n905\n \n$\n406\n \n$\n1,367\n \n$\n61\n \nTotal (gains) losses included in:\nNet income\n(\n9\n)\n(2)\n(\n105\n)\n(2)\n(\n633\n)\n(3)\n(\n747\n)\n\u2014\n \n(4)\nOther comprehensive income (loss)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n(\n3\n)\nIssues\n\u2014\n \n51\n \n90\n \n141\n \n37\n \nSettlements\n(\n3\n)\n(\n112\n)\n\u2014\n \n(\n115\n)\n(\n33\n)\nBalance at December 31, 2022\n$\n44\n \n$\n739\n \n$\n(\n137\n)\n(5)\n$\n646\n \n$\n62\n \nChanges in unrealized (gains) losses in net income relating to\nliabilities held at December 31, 2022\n$\n\u2014\n \n$\n(\n105\n)\n(2)\n$\n(\n633\n)\n(3)\n$\n(\n738\n)\n$\n\u2014\n \n136", "a248c82d-4b71-483b-ba70-6d9ce91d6f92": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\n \nAvailable-for-Sale Securities\n \nReceivables\nCorporate Debt\nSecurities\nResidential\nMortgage Backed\nSecurities\nCommercial\nMortgage Backed\nSecurities\nAsset Backed\nSecurities\nTotal\nFixed Deferred\nIndexed Annuity\nCeded Embedded\nDerivatives\n(in millions)\nBalance at January 1, 2021\n$\n772\n \n$\n9\n \n$\n\u2014\n \n$\n32\n \n$\n813\n \n \n$\n\u2014\n \nTotal gains (losses) included in:\nNet income\n(\n1\n)\n\u2014\n \n\u2014\n \n\u2014\n \n(\n1\n)\n(1)\n3\n \nOther comprehensive income (loss)\n(\n10\n)\n\u2014\n \n\u2014\n \n\u2014\n \n(\n10\n)\n\u2014\n \nPurchases\n108\n \n78\n \n35\n \n\u2014\n \n221\n \n\u2014\n \nSales\n\u2014\n \n\u2014\n \n\u2014\n \n(\n1\n)\n(\n1\n)\n\u2014\n \nIssues\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n57\n \nSettlements\n(\n119\n)\n\u2014\n \n\u2014\n \n(\n2\n)\n(\n121\n)\n(\n1\n)\nTransfers into Level 3\n168\n \n\u2014\n \n\u2014\n \n2\n \n170\n \n\u2014\n \nTransfers out of Level 3\n(\n416\n)\n(\n87\n)\n\u2014\n \n(\n24\n)\n(\n527\n)\n\u2014\n \nBalance at December 31, 2021\n$\n502\n \n$\n\u2014\n \n$\n35\n \n$\n7\n \n$\n544\n \n$\n59\n \nChanges in unrealized gains (losses) in net income\nrelating to assets held at December 31, 2021\n$\n(\n1\n)\n$\n\u2014\n \n$\n\u2014\n \n$\n(\n1\n)\n$\n(\n2\n)\n(1)\n$\n\u2014\n \nChanges in unrealized gains (losses) in other\ncomprehensive income (loss) relating to assets held at\nDecember 31, 2021\n$\n(\n8\n)\n$\n\u2014\n \n$\n\u2014\n \n$\n1\n \n$\n(\n7\n)\n$\n\u2014\n \nPolicyholder Account Balances, Future Policy Benefits and Claims\nOther Liabilities\nFixed Deferred\nIndexed Annuity\nEmbedded\nDerivatives\nIUL Embedded\nDerivatives\nStructured Variable\nAnnuity Embedded\nDerivatives\nTotal\n(in millions)\nBalance at January 1, 2021\n$\n49\n \n$\n935\n \n \n$\n70\n \n$\n1,054\n \n$\n43\n \nTotal (gains) losses included in:\nNet income\n10\n \n(2)\n68\n \n(2)\n393\n \n(3)\n471\n \n(\n13\n)\n(4)\nIssues\n\u2014\n \n\u2014\n \n(\n28\n)\n(\n28\n)\n45\n \nSettlements\n(\n3\n)\n(\n98\n)\n(\n29\n)\n(\n130\n)\n(\n14\n)\nBalance at December 31, 2021\n$\n56\n \n$\n905\n \n$\n406\n \n$\n1,367\n \n$\n61\n \nChanges in unrealized (gains) losses in net income relating to\nliabilities held at December 31, 2021\n$\n\u2014\n \n$\n68\n \n(2)\n$\n\u2014\n \n$\n68\n \n$\n\u2014\n \n Included in Net investment income.\n Included in \nInterest credited to fixed accounts\n.\n Included in \nBenefits, claims, losses and settlement expenses\n.\n Included in General and administrative expense.\n The fair value of the structured variable annuity embedded derivatives was a net asset as of January 1, 2023 and December 31, 2022 and the amounts are presented as contra\nliabilities.\nThe increase (decrease) to pretax income of the Company\u2019s adjustment for nonperformance risk on the fair value of its embedded derivatives was $\n51\n million, $\n45\nmillion and $(\n23\n) million, net of the reinsurance accrual, for the years ended December 31, 2023, 2022 and 2021, respectively.\nSecurities transferred from Level 3 primarily represent securities with fair values that are now obtained from a third-party pricing service with observable inputs or fair\nvalues that were included in an observable transaction with a market participant. Securities transferred to Level 3 represent securities with fair values that are now\nbased on a single non-binding broker quote.\n(1)\n(2)\n(3)\n(4)\n(5)\n137", "009c6901-b91c-469a-b8a3-cea6434b001e": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe following tables provide a summary of the significant unobservable inputs used in the fair value measurements developed by the Company or reasonably\navailable to the Company of Level 3 assets and liabilities:\n \nDecember 31, 2023\nFair Value\nValuation Technique\nUnobservable Input\nRange \nWeighted \n Average\n(in millions)\nCorporate debt securities (private\nplacements)\n$\n469\n \nDiscounted cash flow\nYield/spread to U.S. Treasuries \n1.0\n%\n\u2013\n2.4\n%\n1.2\n%\nAsset backed securities\n$\n1\n \nDiscounted cash flow\nAnnual short-term default rate \n3.0\n%\n3.0\n%\nAnnual long-term default rate \n3.5\n%\n3.5\n%\nDiscount rate\n29.0\n%\n29.0\n%\nConstant prepayment rate\n10.0\n%\n10.0\n%\nLoss recovery\n63.6\n%\n63.6\n%\nFixed deferred indexed annuity ceded\nembedded derivatives\n$\n51\n \nDiscounted cash flow\nSurrender rate\n \n0.0\n%\n\u2013\n66.8\n%\n1.4\n%\nFixed deferred indexed annuity\nembedded derivatives\n$\n49\n \nDiscounted cash flow\nSurrender rate\n \n0.0\n%\n\u2013\n66.8\n%\n1.4\n%\n \n \nNonperformance risk\n \n85\n bps\n85\n bps\nIUL embedded derivatives\n$\n873\n \nDiscounted cash flow\nNonperformance risk\n \n85\n bps\n85\n bps\nStructured variable annuity embedded\nderivatives\n$\n1,011\n \nDiscounted cash flow\nSurrender rate\n \n0.5\n%\n\u2013\n75.0\n%\n2.6\n%\nNonperformance risk\n \n85\n bps\n85\n bps\nContingent consideration liabilities\n$\n76\n \nDiscounted cash flow\nDiscount rate\n \n0.0\n \n%\n\u2013\n10.5\n%\n2.9\n%\n \nDecember 31, 2022\nFair Value\nValuation Technique\nUnobservable Input\nRange \nWeighted \n Average\n(in millions)\nCorporate debt securities (private\nplacements)\n$\n404\n \nDiscounted cash flow\nYield/spread to U.S. Treasuries \n1.1\n%\n\u2013\n2.3\n%\n1.4\n%\nAsset backed securities\n$\n1\n \nDiscounted cash flow\nAnnual short-term default rate \n0.8\n%\n0.8\n%\nAnnual long-term default rate \n3.5\n%\n3.5\n%\nDiscount rate\n27.0\n%\n27.0\n%\nConstant prepayment rate\n10.0\n%\n10.0\n%\nLoss recovery\n63.6\n%\n63.6\n%\nFixed deferred indexed annuity ceded\nembedded derivatives\n$\n48\n \nDiscounted cash flow\nSurrender rate\n \n0.0\n%\n\u2013\n66.8\n%\n1.4\n%\nFixed deferred indexed annuity\nembedded derivatives\n$\n44\n \nDiscounted cash flow\nSurrender rate\n \n0.0\n%\n\u2013\n66.8\n%\n1.4\n%\nNonperformance risk \n95\n bps\n95\n bps\nIUL embedded derivatives\n$\n739\n \nDiscounted cash flow\nNonperformance risk \n95\n bps\n95\n bps\nStructured variable annuity embedded\nderivatives\n$\n(\n137\n)\nDiscounted cash flow\nSurrender rate\n \n0.8\n%\n\u2013\n40.0\n%\n0.9\n%\nNonperformance risk\n \n95\n bps\n95\n bps\nContingent consideration liabilities\n$\n62\n \nDiscounted cash flow\nDiscount rate\n \n0.0\n \n%\n\u2013\n10.5\n%\n3.3\n%\n The weighted average for the yield/spread to U.S. Treasuries for corporate debt securities (private placements) is weighted based on the security\u2019s market value as a percentage of\nthe aggregate market value of the securities.\nThe weighted average annual default rates of asset backed securities is weighted based on the security\u2019s market value as a percentage of the aggregate market value of the securities.\nThe weighted average surrender rate represents the average assumption weighted based on the account value of each contract.\nThe nonperformance risk is the spread added to the U.S. Treasury curve.\n The weighted average discount rate represents the average discount rate across all contingent consideration liabilities, weighted based on the size of the contingent consideration\nliability.\n The fair value of the structured variable annuity embedded derivatives was a net asset as of December 31, 2022 and the amount is presented as a contra liability.", "b745ffc8-71b1-4018-a047-5ce857d381fd": "Treasuries for corporate debt securities (private placements) is weighted based on the security\u2019s market value as a percentage of\nthe aggregate market value of the securities.\nThe weighted average annual default rates of asset backed securities is weighted based on the security\u2019s market value as a percentage of the aggregate market value of the securities.\nThe weighted average surrender rate represents the average assumption weighted based on the account value of each contract.\nThe nonperformance risk is the spread added to the U.S. Treasury curve.\n The weighted average discount rate represents the average discount rate across all contingent consideration liabilities, weighted based on the size of the contingent consideration\nliability.\n The fair value of the structured variable annuity embedded derivatives was a net asset as of December 31, 2022 and the amount is presented as a contra liability.\nLevel 3 measurements not included in the tables above are obtained from non-binding broker quotes where unobservable inputs utilized in the fair value calculation\nare not reasonably available to the Company.\n(1)\n(2)\n(2)\n(3)\n(3)\n(4)\n(4)\n(3)\n(4)\n(5)\n(1)\n(2)\n(2)\n(3)\n(3)\n(4)\n(4)\n(6)\n(3)\n(4)\n(5)\n(1)\n(2) \n(3) \n(4) \n(5)\n(6)\n138", "26e8d9c4-294e-487f-9d66-df2eecfc3159": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nUncertainty of Fair Value Measurements\nSignificant increases (decreases) in the yield/spread to U.S. Treasuries used in the fair value measurement of Level 3 corporate debt securities in isolation would have\nresulted in a significantly lower (higher) fair value measurement.\nSignificant increases (decreases) in the annual default rate and discount rate used in the fair value measurement of Level 3 asset backed securities in isolation,\ngenerally, would have resulted in a significantly lower (higher) fair value measurement and significant increases (decreases) in loss recovery in isolation would have\nresulted in a significantly lower (higher) fair value measurement.\nSignificant increases (decreases) in the constant prepayment rate in isolation would have resulted in a significantly lower (higher) fair value measurement.\nSignificant increases (decreases) in the surrender assumption used in the fair value measurement of the fixed deferred indexed annuity ceded embedded derivatives in\nisolation would have resulted in a significantly lower (higher) fair value measurement.\nSignificant increases (decreases) in nonperformance risk used in the fair value measurement of the IUL embedded derivatives in isolation would have resulted in a\nsignificantly lower (higher) fair value measurement.\nSignificant increases (decreases) in nonperformance risk and surrender assumption used in the fair value measurements of the fixed deferred indexed annuity\nembedded derivatives and structured variable annuity embedded derivatives in isolation would have resulted in a significantly lower (higher) liability value.\nSignificant increases (decreases) in the discount rate used in the fair value measurement of the contingent consideration liability in isolation would have resulted in a\nsignificantly lower (higher) fair value measurement.\nDetermination of Fair Value\nThe Company uses valuation techniques consistent with the market and income approaches to measure the fair value of its assets and liabilities. The Company\u2019s\nmarket approach uses prices and other relevant information generated by market transactions involving identical or comparable assets or liabilities. The Company\u2019s\nincome approach uses valuation techniques to convert future projected cash flows to a single discounted present value amount. When applying either approach, the\nCompany maximizes the use of observable inputs and minimizes the use of unobservable inputs.\nThe following is a description of the valuation techniques used to measure fair value and the general classification of these instruments pursuant to the fair value\nhierarchy.\nAssets\nCash Equivalents\nCash equivalents include time deposits and other highly liquid investments with original or remaining maturities at the time of purchase of 90 days or less. Actively\ntraded money market funds are measured at their NAV and classified as Level 1. U.S. Treasuries are also classified as Level 1. The Company\u2019s remaining cash\nequivalents are classified as Level 2 and measured at amortized cost, which is a reasonable estimate of fair value because of the short time between the purchase of\nthe instrument and its expected realization.\nInvestments (Available-for-Sale Securities, Equity Securities and Trading Securities)\nWhen available, the fair value of securities is based on quoted prices in active markets. If quoted prices are not available, fair values are obtained from third-party\npricing services, non-binding broker quotes, or other model-based valuation techniques.\nLevel 1 securities primarily include trading securities and U.S. Treasuries.\nLevel 2 securities primarily include corporate bonds, residential mortgage backed securities, commercial mortgage backed securities, asset backed securities, state and\nmunicipal obligations, foreign government securities and other securities. The fair value of these Level 2 securities is based on a market approach with prices\nobtained from third-party pricing services. Observable inputs used to value these securities can include, but are not limited to, reported trades, benchmark yields,\nissuer spreads and non-binding broker quotes. The fair value of securities included in an observable transaction with a market participant are also considered Level 2\nwhen the market is not active.\nLevel 3 securities primarily include certain corporate bonds, non-agency residential mortgage backed securities, commercial mortgage backed securities and asset\nbacked securities with fair value typically based on a single non-binding broker quote. The underlying inputs used for some of the non-binding broker quotes are not\nreadily available to the Company. The Company\u2019s privately placed corporate bonds are typically based on a single non-binding broker quote. The fair value of certain\nasset backed securities is determined using a discounted cash flow model. Inputs used to determine the expected cash flows include assumptions about discount\nrates and default, prepayment and recovery rates of the underlying assets.", "9bdb433b-4ecc-44c9-9658-6ebab8602e6d": "Observable inputs used to value these securities can include, but are not limited to, reported trades, benchmark yields,\nissuer spreads and non-binding broker quotes. The fair value of securities included in an observable transaction with a market participant are also considered Level 2\nwhen the market is not active.\nLevel 3 securities primarily include certain corporate bonds, non-agency residential mortgage backed securities, commercial mortgage backed securities and asset\nbacked securities with fair value typically based on a single non-binding broker quote. The underlying inputs used for some of the non-binding broker quotes are not\nreadily available to the Company. The Company\u2019s privately placed corporate bonds are typically based on a single non-binding broker quote. The fair value of certain\nasset backed securities is determined using a discounted cash flow model. Inputs used to determine the expected cash flows include assumptions about discount\nrates and default, prepayment and recovery rates of the underlying assets. Given the significance of the unobservable inputs to this fair value measurement, the fair\nvalue of the investment in certain asset backed securities is classified as Level 3.\nManagement is responsible for the fair values recorded on the financial statements. Prices received from third-party pricing services are subjected to exception\nreporting that identifies investments with significant daily price movements as well as no movements. The\n139", "e548ab15-c23d-4236-801c-8d827fbfdc4f": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nCompany reviews the exception reporting and resolves the exceptions through reaffirmation of the price or recording an appropriate fair value estimate. The Company\nalso performs subsequent transaction testing. The Company performs annual due diligence of third-party pricing services. The Company\u2019s due diligence procedures\ninclude assessing the vendor\u2019s valuation qualifications, control environment, analysis of asset-class specific valuation methodologies, and understanding of sources\nof market observable assumptions and unobservable assumptions, if any, employed in the valuation methodology. The Company also considers the results of its\nexception reporting controls and any resulting price challenges that arise.\nSeparate Account Assets\nThe fair value of assets held by separate accounts is determined by the NAV of the funds in which those separate accounts are invested. The NAV is used as a\npractical expedient for fair value and represents the exit price for the separate account. Separate account assets are excluded from classification in the fair value\nhierarchy.\nInvestments and Cash Equivalents Segregated for Regulatory Purposes\nInvestments and cash equivalents segregated for regulatory purposes includes U.S. Treasuries that are classified as Level 1.\nReceivables\nThe Company reinsured its fixed deferred indexed annuity products which have an indexed account that is accounted for as an embedded derivative. The Company\nuses discounted cash flow models to determine the fair value of these ceded embedded derivatives. The fair value of fixed deferred indexed annuity ceded embedded\nderivatives includes significant observable interest rates, volatilities and equity index levels and significant unobservable surrender rates. Given the significance of\nthe unobservable surrender rates, these embedded derivatives are classified as Level 3.\nOther Assets\nDerivatives that are measured using quoted prices in active markets, such as derivatives that are exchange-traded, are classified as Level 1 measurements. The\nvariation margin on futures contracts is also classified as Level 1. The fair value of derivatives that are traded in less active over-the-counter (\u201cOTC\u201d) markets is\ngenerally measured using pricing models with market observable inputs such as interest rates and equity index levels. These measurements are classified as Level 2\nwithin the fair value hierarchy and include swaps, foreign currency forwards and the majority of options. The counterparties\u2019 nonperformance risk associated with\nuncollateralized derivative assets was immaterial as of both December 31, 2023 and 2022. See Note 17 and Note 18 for further information on the credit risk of\nderivative instruments and related collateral.\nLiabilities\nPolicyholder Account Balances, Future Policy Benefits and Claims\nThere is no active market for the transfer of the Company\u2019s embedded derivatives attributable to the provisions of fixed deferred indexed annuity, structured variable\nannuity and IUL products.\nThe Company uses a discounted cash flow model to determine the fair value of the embedded derivatives associated with the provisions of its equity index annuity\nproduct. The projected cash flows generated by this model are based on significant observable inputs related to interest rates, volatilities and equity index levels and,\ntherefore, are classified as Level 2.\nThe Company uses discounted cash flow models to determine the fair value of the embedded derivatives associated with the provisions of its fixed deferred indexed\nannuity, structured variable annuity and IUL products. The structured variable annuity product is a limited flexible purchase payment annuity that offers 45 different\nindexed account options providing equity market exposure and a fixed account. Each indexed account includes a protection option (a buffer or a floor). If the index\nhas a negative return, contractholder losses will be reduced by a buffer or limited to a floor. The portion allocated to an indexed account is accounted for as an\nembedded derivative. The fair value of fixed deferred indexed annuity, structured variable annuity and IUL embedded derivatives includes significant observable\ninterest rates, volatilities and equity index levels and significant unobservable surrender rates and the estimate of the Company\u2019s nonperformance risk. Given the\nsignificance of the unobservable surrender rates and the nonperformance risk assumption, the fixed deferred indexed annuity, structured variable annuity and IUL\nembedded derivatives are classified as Level 3.\nThe embedded derivatives attributable to these provisions are recorded in Policyholder account balances, future policy benefits and claims.\nCustomer Deposits\nThe Company uses Black-Scholes models to determine the fair value of the embedded derivative liability associated with the provisions of its stock market certificates\n(\u201cSMC\u201d). The inputs to these calculations are primarily market observable and include interest rates, volatilities and equity index levels. As a result, these\nmeasurements are classified as Level 2.", "29485fd2-7fa1-4340-a055-97b81695c6a8": "The fair value of fixed deferred indexed annuity, structured variable annuity and IUL embedded derivatives includes significant observable\ninterest rates, volatilities and equity index levels and significant unobservable surrender rates and the estimate of the Company\u2019s nonperformance risk. Given the\nsignificance of the unobservable surrender rates and the nonperformance risk assumption, the fixed deferred indexed annuity, structured variable annuity and IUL\nembedded derivatives are classified as Level 3.\nThe embedded derivatives attributable to these provisions are recorded in Policyholder account balances, future policy benefits and claims.\nCustomer Deposits\nThe Company uses Black-Scholes models to determine the fair value of the embedded derivative liability associated with the provisions of its stock market certificates\n(\u201cSMC\u201d). The inputs to these calculations are primarily market observable and include interest rates, volatilities and equity index levels. As a result, these\nmeasurements are classified as Level 2.\nOther Liabilities\nDerivatives that are measured using quoted prices in active markets, such as derivatives that are exchange-traded, are classified as Level 1 measurements. The\nvariation margin on futures contracts is also classified as Level 1. The fair value of derivatives that are traded in less active OTC markets is generally measured using\npricing models with market observable inputs such as interest rates and\n140", "a1ee400f-98ae-460e-8247-ca8b3bf2b3f6": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nequity index levels. These measurements are classified as Level 2 within the fair value hierarchy and include swaps, foreign currency forwards and the majority\nof options. The Company\u2019s nonperformance risk associated with uncollateralized derivative liabilities was immaterial as of both December 31, 2023 and 2022. See\nNote 17 and Note 18 for further information on the credit risk of derivative instruments and related collateral.\nSecurities sold but not yet purchased represent obligations of the Company to deliver specified securities that it does not yet own, creating a liability to purchase the\nsecurity in the market at prevailing prices. When available, the fair value of securities is based on quoted prices in active markets. If quoted prices are not available,\nfair values are obtained from nationally-recognized pricing services, or other model-based valuation techniques such as the present value of cash flows. Level 1\nsecurities sold but not yet purchased primarily include trading securities and U.S. Treasuries traded in active markets. Level 2 securities sold but not yet purchased\nprimarily include corporate bonds.\nContingent consideration liabilities consist of earn-outs and/or deferred payments related to the Company\u2019s acquisitions. Contingent consideration liabilities are\nrecorded at fair value utilizing a discounted cash flow model using an unobservable input (discount rate). Given the use of a significant unobservable input, the fair\nvalue of contingent consideration liabilities is classified as Level 3 within the fair value hierarchy.\nFair Value on a Nonrecurring Basis\nThe Company assesses its investment in affordable housing partnerships for impairment. The investments that are determined to be impaired are written down to\ntheir fair value. The Company uses a discounted cash flow model to measure the fair value of these investments. Inputs to the discounted cash flow model are\nestimates of future net operating losses and tax credits available to the Company and discount rates based on market condition and the financial strength of the\nsyndicator (general partner). The balance of affordable housing partnerships measured at fair value on a nonrecurring basis was $\n41\n million and $\n58\n million as of\nDecember 31, 2023 and 2022, respectively, and is classified as Level 3 in the fair value hierarchy.\nAssets and Liabilities Not Reported at Fair Value\nThe following tables provide the carrying value and the estimated fair value of financial instruments that are not reported at fair value:\n \nDecember 31, 2023\nCarrying\nValue\nFair Value\nLevel 1\nLevel 2\nLevel 3\nTotal\n(in millions)\nFinancial Assets\nMortgage loans, net\n$\n2,118\n \n$\n\u2014\n \n$\n280\n \n$\n1,692\n \n$\n1,972\n \nPolicy loans\n912\n \n\u2014\n \n912\n \n\u2014\n \n912\n \nReceivables\n9,453\n \n146\n \n1,621\n \n6,577\n \n8,344\n \nRestricted and segregated cash\n936\n \n936\n \n\u2014\n \n\u2014\n \n936\n \nOther investments and assets\n338\n \n\u2014\n \n283\n \n55\n \n338\n \nFinancial Liabilities\nPolicyholder account balances, future policy benefits and claims\n$\n16,641\n \n$\n\u2014\n \n$\n\u2014\n \n$\n14,243\n \n$\n14,243\n \nInvestment certificate reserves\n13,461\n \n\u2014\n \n\u2014\n \n13,420\n \n13,420\n \nBanking and brokerage deposits\n23,886\n \n23,886\n \n\u2014\n \n\u2014\n \n23,886\n \nSeparate account liabilities \u2014 investment contracts\n3,155\n \n\u2014\n \n3,155\n \n\u2014\n \n3,155\n \nDebt and other liabilities\n3,769\n \n166\n \n3,610\n \n5\n \n3,781\n \n141", "15c4f64d-6155-4c24-ab56-6522f73787ce": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\n \nDecember 31, 2022\nCarrying\nValue\nFair Value\nLevel 1\nLevel 2\nLevel 3\nTotal\n(in millions)\nFinancial Assets\nMortgage loans, net\n$\n1,987\n \n$\n\u2014\n \n$\n105\n \n$\n1,695\n \n$\n1,800\n \nPolicy loans\n847\n \n\u2014\n \n847\n \n\u2014\n \n847\n \nReceivables\n10,287\n \n199\n \n1,742\n \n6,996\n \n8,937\n \nRestricted and segregated cash\n1,583\n \n1,583\n \n\u2014\n \n\u2014\n \n1,583\n \nOther investments and assets\n375\n \n\u2014\n \n323\n \n51\n \n374\n \nFinancial Liabilities\nPolicyholder account balances, future policy benefits and claims\n$\n14,450\n \n$\n\u2014\n \n$\n\u2014\n \n$\n12,470\n \n$\n12,470\n \nInvestment certificate reserves\n9,310\n \n\u2014\n \n\u2014\n \n9,253\n \n9,253\n \nBanking and brokerage deposits\n21,474\n \n21,474\n \n\u2014\n \n\u2014\n \n21,474\n \nSeparate account liabilities \u2014 investment contracts\n3,383\n \n\u2014\n \n3,383\n \n\u2014\n \n3,383\n \nDebt and other liabilities\n3,242\n \n234\n \n2,909\n \n7\n \n3,150\n \nReceivables include deposit receivables, brokerage margin loans, securities borrowed, pledged asset lines of credit and loans to financial advisors. Restricted and\nsegregated cash includes cash segregated under federal and other regulations held in special reserve bank accounts for the exclusive benefit of the Company\u2019s\nbrokerage customers. Other investments and assets primarily include syndicated loans, credit card receivables, certificate of deposits with original or remaining\nmaturities at the time of purchase of more than 90 days, the Company\u2019s membership in the FHLB and investments related to the Community Reinvestment Act. See\nNote 7 for additional information on mortgage loans, policy loans, syndicated loans, credit card receivables and deposit receivables.\nPolicyholder account balances, future policy benefits and claims include fixed annuities in deferral status, non-life contingent fixed annuities in payout status,\nindexed and structured variable annuity host contracts, and the fixed portion of a small number of variable annuity contracts classified as investment contracts. See\nNote 11 for additional information on these liabilities. Investment certificate reserves represent customer deposits for fixed rate certificates and stock market\ncertificates. Banking and brokerage deposits are amounts payable to customers related to free credit balances, funds deposited by customers and funds accruing to\ncustomers as a result of trades or contracts. Separate account liabilities are primarily investment contracts in pooled pension funds offered by Threadneedle. Debt\nand other liabilities include the Company\u2019s long-term debt, short-term borrowings, securities loaned and future funding commitments to affordable housing\npartnerships and other real estate partnerships. See Note 15 for further information on the Company\u2019s long-term debt and short-term borrowings.\n17. \nOffsetting Assets and Liabilities\nCertain financial instruments and derivative instruments are eligible for offset in the Consolidated Balance Sheets. The Company\u2019s derivative instruments and\nsecurities borrowing and lending agreements are subject to master netting and collateral arrangements and qualify for offset. A master netting arrangement with a\ncounterparty creates a right of offset for amounts due to and from that same counterparty that is enforceable in the event of a default or bankruptcy. Securities\nborrowed and securities loaned result from transactions between the Company\u2019s broker dealer subsidiary and other financial institutions and are recorded at the\namount of cash collateral advanced or received. Securities borrowed and securities loaned are primarily equity securities. The Company\u2019s securities borrowed and\nsecurities loaned transactions generally do not have a fixed maturity date and may be terminated by either party under customary terms. The Company\u2019s policy is to\nrecognize amounts subject to master netting arrangements on a gross basis in the Consolidated Balance Sheets.\n142", "e659c38b-ef90-4595-949a-47674a529684": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe following tables present the gross and net information about the Company\u2019s assets subject to master netting arrangements:\n \nDecember 31, 2023\nGross Amounts\nof Recognized\nAssets\nGross Amounts\nOffset in the\nConsolidated\nBalance Sheets\nAmounts of Assets\nPresented in the\nConsolidated\nBalance Sheets\nGross Amounts Not Offset in the \nConsolidated Balance Sheets\nNet Amount\nFinancial\nInstruments\nCash\nCollateral\nSecurities\nCollateral\n(in millions)\nDerivatives:\nOTC\n$\n5,197\n \n$\n\u2014\n \n$\n5,197\n \n$\n(\n3,707\n)\n$\n(\n1,114\n)\n$\n(\n357\n)\n$\n19\n \nOTC cleared\n9\n \n\u2014\n \n9\n \n(\n9\n)\n\u2014\n \n\u2014\n \n\u2014\n \nExchange-traded\n39\n \n\u2014\n \n39\n \n(\n18\n)\n\u2014\n \n\u2014\n \n21\n \nTotal derivatives\n5,245\n \n\u2014\n \n5,245\n \n(\n3,734\n)\n(\n1,114\n)\n(\n357\n)\n40\n \nSecurities borrowed\n146\n \n\u2014\n \n146\n \n(\n32\n)\n\u2014\n \n(\n111\n)\n3\n \nTotal\n$\n5,391\n \n$\n\u2014\n \n$\n5,391\n \n$\n(\n3,766\n)\n$\n(\n1,114\n)\n$\n(\n468\n)\n$\n43\n \n \nDecember 31, 2022\nGross Amounts\nof Recognized\nAssets\nGross Amounts\nOffset in the\nConsolidated\nBalance Sheets\nAmounts of Assets\nPresented in the\nConsolidated\nBalance Sheets\nGross Amounts Not Offset in the \nConsolidated Balance Sheets\nNet Amount\nFinancial\nInstruments\nCash Collateral\nSecurities\nCollateral\n(in millions)\nDerivatives:\nOTC\n$\n2,900\n \n$\n\u2014\n \n$\n2,900\n \n$\n(\n2,322\n)\n$\n(\n568\n)\n$\n(\n5\n)\n$\n5\n \nOTC cleared\n23\n \n\u2014\n \n23\n \n(\n9\n)\n\u2014\n \n\u2014\n \n14\n \nExchange-traded\n97\n \n\u2014\n \n97\n \n(\n75\n)\n\u2014\n \n\u2014\n \n22\n \nTotal derivatives\n3,020\n \n\u2014\n \n3,020\n \n(\n2,406\n)\n(\n568\n)\n(\n5\n)\n41\n \nSecurities borrowed\n199\n \n\u2014\n \n199\n \n(\n31\n)\n\u2014\n \n(\n164\n)\n4\n \nTotal\n$\n3,219\n \n$\n\u2014\n \n$\n3,219\n \n$\n(\n2,437\n)\n$\n(\n568\n)\n$\n(\n169\n)\n$\n45\n \n Represents the amount of assets that could be offset by liabilities with the same counterparty under master netting or similar arrangements that management elects not to offset on\nthe Consolidated Balance Sheets\n.\nThe following tables present the gross and net information about the Company\u2019s liabilities subject to master netting arrangements:\n \nDecember 31, 2023\nGross Amounts\nof Recognized\nLiabilities\nGross Amounts\nOffset in the\nConsolidated\nBalance Sheets\nAmounts of\nLiabilities Presented\nin the Consolidated\nBalance Sheets\nGross Amounts Not Offset in the \nConsolidated Balance Sheets\nNet Amount\nFinancial\nInstruments\nCash Collateral\nSecurities\nCollateral\n(in millions)\nDerivatives:\nOTC\n$\n3,829\n \n$\n\u2014\n \n$\n3,829\n \n$\n(\n3,707\n)\n$\n(\n36\n)\n$\n(\n78\n)\n$\n8\n \nOTC cleared\n35\n \n\u2014\n \n35\n \n(\n9\n)\n\u2014\n \n\u2014\n \n26\n \nExchange-traded\n19\n \n\u2014\n \n19\n \n(\n18\n)\n\u2014\n \n\u2014\n \n1\n \nTotal derivatives\n3,883\n \n\u2014\n \n3,883\n \n(\n3,734\n)\n(\n36\n)\n(\n78\n)\n35\n \nSecurities loaned\n163\n \n\u2014\n \n163\n \n(\n32\n)\n\u2014\n \n(\n126\n)\n5\n \nTotal\n$\n4,046\n \n$\n\u2014\n \n$\n4,046\n \n$\n(\n3,766\n)\n$\n(\n36\n)\n$\n(\n204\n)\n$\n40\n \n (1)\n (1)\n(1)\n (1)\n143", "c0bc1873-8762-415b-90a7-06e8cdb9909e": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\n \nDecember 31, 2022\nGross Amounts\nof Recognized\nLiabilities\nGross Amounts\nOffset in the\nConsolidated\nBalance Sheets\nAmounts of\nLiabilities Presented\nin the Consolidated\nBalance Sheets\nGross Amounts Not Offset in the \nConsolidated Balance Sheets\nNet Amount\nFinancial\nInstruments\nCash Collateral\nSecurities\nCollateral\n(in millions)\nDerivatives:\nOTC\n$\n2,646\n \n$\n\u2014\n \n$\n2,646\n \n$\n(\n2,322\n)\n$\n(\n43\n)\n$\n(\n277\n)\n$\n4\n \nOTC cleared\n9\n \n\u2014\n \n9\n \n(\n9\n)\n\u2014\n \n\u2014\n \n\u2014\n \nExchange-traded\n93\n \n\u2014\n \n93\n \n(\n75\n)\n\u2014\n \n(\n17\n)\n1\n \nTotal derivatives\n2,748\n \n\u2014\n \n2,748\n \n(\n2,406\n)\n(\n43\n)\n(\n294\n)\n5\n \nSecurities loaned\n235\n \n\u2014\n \n235\n \n(\n31\n)\n\u2014\n \n(\n197\n)\n7\n \nTotal\n$\n2,983\n \n$\n\u2014\n \n$\n2,983\n \n$\n(\n2,437\n)\n$\n(\n43\n)\n$\n(\n491\n)\n$\n12\n \n Represents the amount of liabilities that could be offset by assets with the same counterparty under master netting or similar arrangements that management elects not to offset on\nthe Consolidated Balance Sheets.\nIn the tables above, the amount of assets or liabilities presented are offset first by financial instruments that have the right of offset under master netting or similar\narrangements, then any remaining amount is reduced by the amount of cash and securities collateral. The actual collateral may be greater than amounts presented in\nthe tables.\nWhen the fair value of collateral accepted by the Company is less than the amount due to the Company, there is a risk of loss if the counterparty fails to perform or\nprovide additional collateral. To mitigate this risk, the Company monitors collateral values regularly and requires additional collateral when necessary. When the\nvalue of collateral pledged by the Company declines, it may be required to post additional collateral.\nFreestanding derivative instruments are reflected in Other assets and Other liabilities. Cash collateral pledged by the Company is reflected in Other assets and cash\ncollateral accepted by the Company is reflected in Other liabilities. Securities borrowing and lending agreements are reflected in Receivables and Other liabilities,\nrespectively. See Note 18 for additional disclosures related to the Company\u2019s derivative instruments and Note 5 for information related to derivatives held by\nconsolidated investment entities.\n18. \nDerivatives and Hedging Activities\nDerivative instruments enable the Company to manage its exposure to various market risks. The value of such instruments is derived from an underlying variable or\nmultiple variables, including equity, foreign exchange and interest rate indices or prices. The Company primarily enters into derivative agreements for risk\nmanagement purposes related to the Company\u2019s products and operations.\nCertain of the Company\u2019s freestanding derivative instruments are subject to master netting arrangements. The Company\u2019s policy on the recognition of derivatives on\nthe Consolidated Balance Sheets is to not offset fair value amounts recognized for derivatives and collateral arrangements executed with the same counterparty under\nthe same master netting arrangement. See Note 17 for additional information regarding the estimated fair value of the Company\u2019s freestanding derivatives after\nconsidering the effect of master netting arrangements and collateral.\n (1)\n(1)\n144", "c34a911e-a6ab-4611-859e-3dece68ff5d9": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nGenerally, the Company uses derivatives as economic hedges and accounting hedges. \nThe following table presents the notional value and gross fair value of\nderivative instruments, including embedded derivatives:\nDecember 31, 2023\nDecember 31, 2022\nNotional\nGross Fair Value\nNotional\nGross Fair Value\nAssets \nLiabilities \nAssets \nLiabilities \n(in millions)\nDerivatives designated as hedging instruments\nEquity contracts - cash flow hedges\n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n6\n \n$\n\u2014\n \n$\n1\n \nForeign exchange contracts - net investment hedges\n61\n \n\u2014\n \n3\n \n85\n \n\u2014\n \n\u2014\n \nTotal qualifying hedges\n61\n \n\u2014\n \n3\n \n91\n \n\u2014\n \n1\n \nDerivatives not designated as hedging instruments\nInterest rate contracts\n42,523\n \n185\n \n305\n \n101,307\n \n267\n \n355\n \nEquity contracts\n83,080\n \n5,034\n \n3,464\n \n68,493\n \n2,704\n \n2,376\n \nCredit contracts\n3,436\n \n4\n \n107\n \n1,857\n \n13\n \n2\n \nForeign exchange contracts\n3,262\n \n22\n \n4\n \n3,171\n \n36\n \n14\n \nTotal non-designated hedges\n132,301\n \n5,245\n \n3,880\n \n174,828\n \n3,020\n \n2,747\n \nEmbedded derivatives\nIUL\nN/A\n\u2014 \n873\n \nN/A\n\u2014 \n739\n \nFixed deferred indexed annuities and deposit receivables\nN/A\n51\n \n52\n \nN/A\n48\n \n47\n \nStructured variable annuities \nN/A\n\u2014 \n1,011\n \nN/A\n\u2014 \n(\n137\n)\nSMC\nN/A\n\u2014 \n9\n \nN/A\n\u2014 \n4\n \nTotal embedded derivatives\nN/A\n51\n \n1,945\n \nN/A\n48\n \n653\n \nTotal derivatives\n$\n132,362\n \n$\n5,296\n \n$\n5,828\n \n$\n174,919\n \n$\n3,068\n \n$\n3,401\n \nN/A Not applicable.\nThe fair value of freestanding derivative assets is included in \nOther assets\n and the fair value of ceded embedded derivative assets related to deposit receivables is included in\nReceivables\n.\n The fair value of freestanding derivative liabilities is included in \nOther liabilities\n. The fair value of IUL, fixed deferred indexed annuity and structured variable annuity embedded\nderivatives is included in \nPolicyholder account balances, future policy benefits and claims\n. The fair value of the SMC embedded derivative liability is included in \nCustomer deposits\n.\nThe fair value of the structured variable annuity embedded derivatives as of December 31, 2023 included $\n1.0\n billion of individual contracts in a liability position and $\n15\n million of\nindividual contracts in an asset position. The fair value of the structured variable annuity embedded derivatives as of December 31, 2022 included $\n194\n million of individual\ncontracts in a liability position and $\n331\n million of individual contracts in an asset position.\nSee Note 16 for additional information regarding the Company\u2019s fair value measurement of derivative instruments.\nAs of December 31, 2023 and 2022, investment securities with a fair value of $\n1.5\n billion and $\n1.7\n billion, respectively, were pledged to meet contractual obligations\nunder derivative contracts, of which $\n145\n million and $\n302\n million, respectively, may be sold, pledged or rehypothecated by the counterparty. As of December 31,\n2023 and 2022, investment securities with a fair value of $\n376\n million and $\n14\n million, respectively, were received as collateral to meet contractual obligations under\nderivative contracts, of which $\n314\n million and $\n5\n million, respectively, may be sold, pledged or rehypothecated by the Company. As of both December 31, 2023 and\n2022, the Company had sold, pledged or rehypothecated \nnone\n of these securities. In addition, as of both December 31, 2023 and 2022, non-cash collateral accepted\nwas held in separate custodial accounts and was not included in the Company\u2019s Consolidated Balance Sheets.\n(1)\n(2)\n(1)\n(2)\n(3)\n(1) \n(2)\n(3) \n145", "00ed8b5f-6fe6-4b44-b663-cc1d3a146063": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nDerivatives Not Designated as Hedges\nThe following tables presents a summary of the impact of derivatives not designated as hedging instruments, including embedded derivatives, on the Consolidated\nStatements of Operations:\nNet Investment\nIncome\nBanking and\nDeposit Interest\nExpense\nDistribution\nExpenses\nInterest Credited to\nFixed Accounts\nBenefits, Claims,\nLosses and\nSettlement\nExpenses\nChange in Fair\nValue of Market\nRisk Benefits\nInterest and Debt\nExpense\nGeneral and\nAdministrative\nExpense\n(in millions)\nYear Ended December 31, 2023\nInterest rate contracts\n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n(\n5\n)\n$\n(\n422\n)\n$\n(\n1\n)\n$\n\u2014\n \nEquity contracts\n(\n3\n)\n4\n \n128\n \n79\n \n770\n \n(\n1,239\n)\n\u2014\n \n10\n \nCredit contracts\n\u2014\n \n\u2014\n \n2\n \n\u2014\n \n\u2014\n \n7\n \n\u2014\n \n\u2014\n \nForeign exchange contracts\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n5\n \n\u2014\n \n7\n \nIUL embedded derivatives\n\u2014\n \n\u2014\n \n\u2014\n \n(\n75\n)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nFixed deferred indexed annuity\nand deposit receivables embedded\nderivatives\n\u2014\n \n\u2014\n \n\u2014\n \n(\n3\n)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nStructured variable annuity\nembedded derivatives\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n(\n1,166\n)\n\u2014\n \n\u2014\n \n\u2014\n \nSMC embedded derivatives\n\u2014\n \n(\n5\n)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nTotal gain (loss)\n$\n(\n3\n)\n$\n(\n1\n)\n$\n130\n \n$\n1\n \n$\n(\n401\n)\n$\n(\n1,649\n)\n$\n(\n1\n)\n$\n17\n \nNet Investment\nIncome\nBanking and\nDeposit Interest\nExpense\nDistribution\nExpenses\nInterest Credited to\nFixed Accounts\nBenefits, Claims,\nLosses and\nSettlement\nExpenses\nChange in Fair\nValue of Market\nRisk Benefits\nInterest and Debt\nExpense\nGeneral and\nAdministrative\nExpense\n(in millions)\nYear Ended December 31, 2022\nInterest rate contracts\n$\n1\n \n$\n\u2014\n \n$\n(\n3\n)\n$\n\u2014\n \n$\n(\n26\n)\n$\n(\n2,874\n)\n$\n(\n1\n)\n$\n\u2014\n \nEquity contracts\n8\n \n(\n1\n)\n(\n177\n)\n(\n126\n)\n(\n164\n)\n899\n \n\u2014\n \n(\n23\n)\nCredit contracts\n\u2014\n \n\u2014\n \n(\n4\n)\n\u2014\n \n\u2014\n \n279\n \n\u2014\n \n\u2014\n \nForeign exchange contracts\n2\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n105\n \n\u2014\n \n(\n7\n)\nIUL embedded derivatives\n\u2014\n \n\u2014\n \n\u2014\n \n217\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nFixed deferred indexed annuity\nand deposit receivables embedded\nderivatives\n\u2014\n \n\u2014\n \n\u2014\n \n4\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nStructured variable annuity\nembedded derivatives\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n633\n \n\u2014\n \n\u2014\n \n\u2014\n \nTotal gain (loss)\n$\n11\n \n$\n(\n1\n)\n$\n(\n184\n)\n$\n95\n \n$\n443\n \n$\n(\n1,591\n)\n$\n(\n1\n)\n$\n(\n30\n)\n146", "9c27e8fe-09ab-438f-bf2a-9e22ce15e7b8": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nNet Investment\nIncome\nBanking and\nDeposit Interest\nExpense\nDistribution\nExpenses\nInterest Credited to\nFixed Accounts\nBenefits, Claims,\nLosses and\nSettlement\nExpenses\nChange in Fair\nValue of Market\nRisk Benefits\nInterest and Debt\nExpense\nGeneral and\nAdministrative\nExpense\n(in millions)\nYear Ended December 31, 2021\nInterest rate contracts\n$\n(\n23\n)\n$\n\u2014\n \n$\n(\n1\n)\n$\n\u2014\n \n$\n\u2014\n \n$\n(\n886\n)\n$\n\u2014\n \n$\n\u2014\n \nEquity contracts\n(\n4\n)\n1\n \n116\n \n91\n \n34\n \n(\n851\n)\n\u2014\n \n17\n \nCredit contracts\n\u2014\n \n\u2014\n \n1\n \n\u2014\n \n\u2014\n \n43\n \n\u2014\n \n\u2014\n \nForeign exchange contracts\n1\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n5\n \n\u2014\n \n8\n \nIUL embedded derivatives\n\u2014\n \n\u2014\n \n\u2014\n \n30\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nFixed deferred indexed annuity\nand deposit receivables embedded\nderivatives\n\u2014\n \n\u2014\n \n\u2014\n \n(\n8\n)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nStructured variable annuity\nembedded derivatives\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n(\n393\n)\n\u2014\n \n\u2014\n \n\u2014\n \nSMC embedded derivatives\n\u2014\n \n(\n1\n)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nTotal gain (loss)\n$\n(\n26\n)\n$\n\u2014\n \n$\n116\n \n$\n113\n \n$\n(\n359\n)\n$\n(\n1,689\n)\n$\n\u2014\n \n$\n25\n \nThe Company holds derivative instruments that either do not qualify or are not designated for hedge accounting treatment. These derivative instruments are used as\neconomic hedges of equity, interest rate, credit and foreign currency exchange rate risk related to various products and transactions of the Company.\nThe deferred premium associated with certain of the above options is paid or received semi-annually over the life of the contract or at maturity. \nThe following is a\nsummary of the payments the Company is scheduled to make and receive for these options as of December 31, 2023:\n \nPremiums Payable\nPremiums\nReceivable\n \n(in millions)\n2024\n$\n131\n \n$\n23\n \n2025\n121\n \n20\n \n2026\n247\n \n88\n \n2027\n20\n \n\u2014\n \n2028\n30\n \n\u2014\n \n2029-2030\n378\n \n\u2014\n \nTotal\n$\n927\n \n$\n131\n \nActual timing and payment amounts may differ due to future settlements, modifications or exercises of the contracts prior to the full premium being paid or received.\nStructured variable annuity, IUL and stock market certificate products have returns tied to the performance of equity markets. As a result of fluctuations in equity\nmarkets, the obligation incurred by the Company related to structured variable annuity, IUL and stock market certificate products will positively or negatively impact\nearnings over the life of these products. The equity components of structured variable annuity, IUL and stock market certificate product obligations are considered\nembedded derivatives, which are bifurcated from their host contracts for valuation purposes and reported on the Consolidated Balance Sheets at fair value with\nchanges in fair value reported in earnings. As a means of economically hedging its obligations under the provisions of these products, the Company enters into\ninterest rate swaps, index options and futures contracts.\nAs discussed in Note 13, the Company issues variable annuity contracts that provide protection to contractholders from other-than-nominal capital market risk and\nexpose the Company to other-than-nominal capital market risk. The Company economically hedges its obligations under these market risk benefits using options,\nswaptions, swaps and futures.\nThe Company enters into futures, credit default swaps, commodity swaps, total return swaps and foreign currency forwards to manage its exposure to price risk\narising from seed money investments in proprietary investment products. The Company enters into foreign currency forward contracts to economically hedge its\nexposure to certain foreign transactions. The Company enters into futures\n147", "40d4a659-6b01-421b-a885-623ebaa91923": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\ncontracts, total return swaps and foreign currency forwards to economically hedge its exposure related to compensation plans. The Company enters into interest rate\nswaps to offset interest rate changes on unrealized gains or losses for certain investments.\nCash Flow Hedges\nThe Company has designated derivative instruments as a cash flow hedge for equity exposure of certain compensation-related liabilities and interest rate exposure on\nforecasted debt interest payments. For derivative instruments that qualify as cash flow hedges, the gains or losses on the derivative instruments is reported in AOCI\nand reclassified into earnings when the hedged item or transaction impacts earnings. The amount that is reclassified into earnings is presented within the same line\nitem as the earnings impact of the hedged item in Interest and debt expense.\nFor the years ended December 31, 2023, 2022 and 2021, the amounts reclassified from AOCI to earnings related to cash flow hedges were immaterial. The estimated net\namount recorded in AOCI as of December 31, 2023 that the Company expects to reclassify to earnings as a reduction to Interest and debt expense within the next\ntwelve months is $\n0.8\n million. Currently, the longest period of time over which the Company is hedging exposure to the variability in future cash flows is \n12\n years and\nrelates to forecasted debt interest payments. See Note 21 for a rollforward of net unrealized gains (losses) on derivatives included in AOCI related to cash flow\nhedges.\nNet Investment Hedges\nThe Company entered into, and designated as net investment hedges in foreign operations, forward contracts to hedge a portion of the Company\u2019s foreign currency\nexchange rate risk associated with its investment in Threadneedle. As the Company determined that the forward contracts are effective, the change in fair value of the\nderivatives is recognized in AOCI as part of the foreign currency translation adjustment. For the years ended December 31, 2023, 2022 and 2021 , the Company\nrecognized a loss of $\n3\n million, a gain of $\n15\n million and a loss of $\n1\n million, respectively, in OCI.\nCredit Risk\nCredit risk associated with the Company\u2019s derivatives is the risk that a derivative counterparty will not perform in accordance with the terms of the applicable\nderivative contract. To mitigate such risk, the Company has established guidelines and oversight of credit risk through a comprehensive enterprise risk management\nprogram that includes members of senior management. Key components of this program are to require preapproval of counterparties and the use of master netting\nand collateral arrangements whenever practical. See Note 17 for additional information on the Company\u2019s credit exposure related to derivative assets.\nCertain of the Company\u2019s derivative contracts contain provisions that adjust the level of collateral the Company is required to post based on the Company\u2019s debt\nrating (or based on the financial strength of the Company\u2019s life insurance subsidiaries for contracts in which those subsidiaries are the counterparty). Additionally,\ncertain of the Company\u2019s derivative contracts contain provisions that allow the counterparty to terminate the contract if the Company\u2019s debt does not maintain a\nspecific credit rating (generally an investment grade rating) or the Company\u2019s life insurance subsidiaries do not maintain a specific financial strength rating. If these\ntermination provisions were to be triggered, the Company\u2019s counterparty could require immediate settlement of any net liability position. As of December 31, 2023\nand 2022, the aggregate fair value of derivative contracts in a net liability position containing such credit contingent provisions was $\n65\n million and $\n240\n million,\nrespectively. The aggregate fair value of assets posted as collateral for such instruments as of December 31, 2023 and 2022 was $\n58\n million and $\n236\n million,\nrespectively. If the credit contingent provisions of derivative contracts in a net liability position as of December 31, 2023 and 2022 were triggered, the aggregate fair\nvalue of additional assets that would be required to be posted as collateral or needed to settle the instruments immediately would have been $\n7\n million and $\n4\n million,\nrespectively.\n19. \nLeases\nThe following table presents the balances for operating and finance ROU assets and lease liabilities:\nLeases\nBalance Sheet Classification\nDecember 31,\n2023\nDecember 31,\n2022\n(in millions)\nAssets\nOperating lease assets\nOther assets\n$\n259\n \n$\n268\n \nFinance lease assets\nOther assets\n18\n \n28\n \nTotal lease assets\n$\n277\n \n$\n296\n \nLiabilities\nOperating lease liabilities\nOther liabilities\n$\n325\n \n$\n317\n \nFinance lease liabilities\nLong-term debt\n20\n \n30\n \nTotal lease liabilities\n$\n345\n \n$\n347\n \n148", "a2b1981b-e830-418c-8bd0-bb0e8949ac74": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe following table presents the components of lease cost:\nYears Ended December 31,\nLease Cost\nIncome Statement Classification\n2023\n2022\n2021\n(in millions)\nOperating lease cost\nGeneral and administrative expense\n$\n55\n \n$\n61\n \n$\n57\n \nFinance lease cost:\nAmortization of ROU assets\nGeneral and administrative expense\n10\n \n10\n \n13\n \nInterest on lease liabilities\nInterest and debt expense\n1\n \n1\n \n2\n \nTotal lease cost\n$\n66\n \n$\n72\n \n$\n72\n \nThe following table presents the weighted-average lease term and weighted-average discount rate related to operating and finance leases:\nDecember 31, 2023\nDecember 31, 2022\nLease Term and Discount Rate\nFinance Leases\nOperating Leases\nFinance Leases\nOperating Leases\nWeighted-average remaining lease term (years)\n1.8\n6.4\n2.8\n6.7\nWeighted-average discount rate\n3.4\n \n%\n2.7\n \n%\n3.4\n \n%\n2.1\n \n%\nThe following table presents supplemental cash flow information related to operating and finance leases:\nYears Ended December 31,\nSupplemental Cash Flow Information\n2023\n2022\n2021\n(in millions)\nOperating cash flows:\nCash paid for amounts included in measurement of operating lease liabilities\n$\n68\n \n$\n65\n \n$\n50\n \nCash paid for amounts included in measurement of finance lease liabilities\n1\n \n1\n \n2\n \nFinancing cash flows:\nCash paid for amounts included in measurement of finance lease liabilities\n$\n10\n \n$\n10\n \n$\n9\n \nThe following table presents the maturities of lease liabilities:\nMaturity of Lease Liabilities\nDecember 31, 2023\nFinance Leases\nOperating Leases\n(in millions)\n2024\n$\n11\n \n$\n68\n \n2025\n10\n \n65\n \n2026\n\u2014\n \n58\n \n2027\n\u2014\n \n47\n \n2028\n\u2014\n \n35\n \nThereafter\n\u2014\n \n80\n \nTotal lease payments\n21\n \n353\n \nLess: interest\n1\n \n28\n \nPresent value of lease liabilities\n$\n20\n \n$\n325\n \n20. \nShare-Based Compensation\nThe Company\u2019s share-based compensation plans consist of the Amended and Restated Ameriprise Financial 2005 Incentive Compensation Plan (the \u201c2005 ICP\u201d), the\nAmeriprise Financial Franchise Advisor Deferred Compensation Plan and the Ameriprise Advisor Group Deferred Compensation Plan.\n149", "33bd734f-33e9-40b6-b810-88085991a8f9": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe components of the Company\u2019s share-based compensation expense, net of forfeitures, were as follows:\nYears Ended December 31,\n2023\n2022\n2021\n(in millions)\nStock option\n$\n16\n \n$\n16\n \n$\n20\n \nRestricted stock\n27\n \n27\n \n24\n \nRestricted stock units and deferred share units\n144\n \n127\n \n108\n \nLiability awards\n62\n \n44\n \n92\n \nTotal\n$\n249\n \n$\n214\n \n$\n244\n \nFor the years ended December 31, 2023, 2022 and 2021, total income tax benefit using the statutory rate related to share-based compensation expense was $\n52\n million,\n$\n45\n million and $\n51\n million, respectively.\nAs of December 31, 2023, there was $\n184\n million of total unrecognized compensation cost related to non-vested awards under the Company\u2019s share-based\ncompensation plans, which is expected to be recognized over a weighted-average period of \n3.0\n years.\nAmended and Restated Ameriprise Financial 2005 Incentive Compensation Plan\nThe 2005 ICP, as amended and restated, was approved by shareholders on April 26, 2023, and provides for the grant of cash and equity incentive awards to directors,\nemployees and independent contractors, including stock options, restricted stock awards, restricted stock units, stock appreciation rights, performance shares and\nsimilar awards designed to comply with the applicable federal regulations and laws of jurisdiction. Under the 2005 ICP, as amended and restated a maximum of\n58.1\n million shares may be issued. Of this total, no more than \n5.0\n million shares may be issued after December 31, 2022 for full value awards, which are awards other\nthan stock options and stock appreciation rights. Shares issued under the 2005 ICP may be authorized and unissued shares or treasury shares.\nAmeriprise Financial 2008 Employment Incentive Equity Award Plan\nEffective February 23, 2023, the Ameriprise Financial 2008 Employment Incentive Equity Award Plan (the \u201c2008 Plan\u201d), which was designed to grant equity incentive\nawards to new employees in compliance with applicable federal and foreign regulations, was terminated by the Company. At the time of termination, there were no\nunvested or unexercised awards outstanding under the 2008 Plan and, as a result of the termination of the plan, no future shares could be granted under the 2008\nPlan.\nStock Options\nStock options granted under the 2005 ICP have an exercise price not less than \n100\n% of the current fair market value of a share of the Company\u2019s common stock on the\ngrant date and a maximum term of \n10\n years. Stock options granted generally vest ratably over \nthree\n to \nfour years\n. Vesting of option awards may be accelerated based\non age and length of service. Stock options granted are expensed on a straight-line basis over the vesting period based on the fair value of the awards on the date of\ngrant. The grant date fair value of the options is calculated using a Black-Scholes option-pricing model.\nThe following weighted average assumptions were used for stock option grants:\n2023\n2022\n 2021\nDividend yield\n2.0\n \n%\n2.0\n \n%\n2.5\n \n%\nExpected volatility\n33\n \n%\n35\n \n%\n36\n \n%\nRisk-free interest rate\n3.6\n \n%\n1.7\n \n%\n0.4\n \n%\nExpected life of stock option (years)\n5.0\n5.0\n5.0\nThe dividend yield assumption represents the Company\u2019s expected dividend yield based on its historical dividend payouts and management\u2019s expectations. The\nexpected volatility is based on the Company\u2019s historical and implied volatilities. The risk-free interest rate for periods within the expected option life is based on the\nU.S. Treasury yield curve at the grant date. The expected life of the option is based on the Company\u2019s past experience and other considerations.\nThe weighted average grant date fair value for options granted during 2023, 2022 and 2021 was $\n99.86\n, $\n80.48\n and $\n48.48\n, respectively.\n150", "00f1871e-a1a3-440b-98fe-3744eeffba7e": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nA summary of the Company\u2019s stock option activity for 2023 is presented below (shares and intrinsic value in millions):\nShares\nWeighted Average\nExercise Price\nWeighted Average\nRemaining Contractual \nTerm (Years)\nAggregate Intrinsic\nValue\nOutstanding at January 1\n2.8\n \n$\n160.57\n \n5.8\n$\n419\n \nGranted\n0.2\n \n344.45\n \nExercised\n(\n0.7\n)\n144.68\n \nOutstanding at December 31\n2.3\n \n177.60\n \n5.4\n457\n \nExercisable at December 31\n1.9\n \n154.98\n \n4.8\n422\n \nThe intrinsic value of a stock option is the amount by which the fair value of the underlying stock exceeds the exercise price of the option. The total intrinsic value of\noptions exercised was $\n136\n million, $\n130\n million and $\n219\n million during the years ended December 31, 2023, 2022 and 2021, respectively.\nRestricted Stock Awards\nRestricted stock awards granted under the 2005 ICP generally vest ratably over \nthree\n to \nfour years\n or at the end of \nfive years\n. Compensation expense for restricted\nstock awards is based on the market price of Ameriprise Financial common stock on the date of grant and is amortized on a straight-line basis over the vesting period.\nQuarterly dividends are paid on restricted stock, as declared by the Company\u2019s Board of Directors, during the vesting period and are not subject to forfeiture.\nRestricted Stock Units and Deferred Share Units\nThe 2005 ICP provides for the grant of deferred share units to non-employee directors of the Company and the 2005 ICP Plan provide for the grant of restricted stock\nunits or deferred share units to employees. The director awards are fully vested upon issuance and are settled for Ameriprise Financial common stock upon the\ndirector\u2019s termination of service. The employee awards generally vest ratably over \nthree\n to \nfour years\n. Compensation expense for deferred share units and restricted\nstock units is based on the market price of Ameriprise Financial stock on the date of grant. Restricted stock units and deferred stock units granted to employees are\nexpensed on a straight-line basis over the vesting period or on an accelerated basis if certain age and length of service requirements are met. Deferred share units\ngranted to non-employee directors are expensed immediately. Dividends are paid on restricted stock units, as declared by the Company\u2019s Board of Directors, during\nthe vesting period and are not subject to forfeiture. Dividend equivalents are issued on deferred share units, as dividends are declared by the Company's Board of\nDirectors, and are not paid until distribution of the award. Dividend equivalents on the director awards are not subject to forfeiture, but on employee awards they are\nforfeited if the award is forfeited.\nAmeriprise Financial Deferred Compensation Plan\nThe Ameriprise Financial Deferred Compensation Plan (\u201cDCP\u201d) under the 2005 ICP gives certain employees the choice to defer a portion of their eligible\ncompensation, which can be invested in investment options as provided by the DCP, including the Ameriprise Financial Stock Fund. The DCP is an unfunded non-\nqualified deferred compensation plan under section 409A of the Internal Revenue Code. The Company provides a match on certain deferrals. Participant deferrals\nvest immediately and the Company match vests after \nthree years\n. Distributions are made in shares of the Company\u2019s common stock for the portion of the deferral\ninvested in the Ameriprise Financial Stock Fund and the Company match, for which the Company has recorded in equity. The DCP does allow for accelerated vesting\nof the share-based awards in cases of death, disability and qualified retirement. Compensation expense related to the Company match is recognized on a straight-line\nbasis over the vesting period or on an accelerated basis if certain age and length of service requirements are met. Dividend equivalents are issued on deferrals into\nthe Ameriprise Financial Stock Fund and the Company match. Dividend equivalents related to deferrals are not subject to forfeiture, whereas dividend equivalents\nrelated to the Company match are subject to forfeiture until fully vested.\nAmeriprise Financial Franchise Advisor Deferred Compensation Plan\nThe Franchise Advisor Deferred Compensation Plan (the \u201cAFG Deferral Plan\u201d) is an unfunded, non-qualified deferred compensation plan that provides benefits to\ncertain advisors and leaders associated with the Company.", "ed47ab44-7d36-43ed-a4c7-477c6ab4251b": "The DCP does allow for accelerated vesting\nof the share-based awards in cases of death, disability and qualified retirement. Compensation expense related to the Company match is recognized on a straight-line\nbasis over the vesting period or on an accelerated basis if certain age and length of service requirements are met. Dividend equivalents are issued on deferrals into\nthe Ameriprise Financial Stock Fund and the Company match. Dividend equivalents related to deferrals are not subject to forfeiture, whereas dividend equivalents\nrelated to the Company match are subject to forfeiture until fully vested.\nAmeriprise Financial Franchise Advisor Deferred Compensation Plan\nThe Franchise Advisor Deferred Compensation Plan (the \u201cAFG Deferral Plan\u201d) is an unfunded, non-qualified deferred compensation plan that provides benefits to\ncertain advisors and leaders associated with the Company. The AFG Deferral Plan has not been approved by the Company\u2019s shareholders, and it is a value-neutral\nplan (as that term is used by proxy advisory firms) and there will be no additional premium or matching contributions. Under the AFG Deferral Plan, a maximum of \n12.5\nmillion Company shares may be issued.\nThe AFG Deferral Plan allows participants to voluntarily defer a portion of their cash commissions and elect crediting rate alternatives that includes a fund based on\nAmeriprise Financial stock or other investment options in lieu of receiving the applicable cash compensation. Amounts a participant chooses to invest in the fund\ntracking Ameriprise Financial stock will be settled in Ameriprise shares; all voluntary deferrals invested in other investment options will be settled in cash. From 2006-\n2010, the Company provided advisors with a matching contribution with respect to these voluntary deferred amounts; however, the Company has not provided a\nmatch since 2010 and has amended the AFG Deferral Plan to remove any matching contributions. There are approximately \n113,000\n151", "b160f22b-5cda-4c3b-a410-1f69401abeb3": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nshares outstanding under this prior matching contribution. Other than this historical matching contribution, the Company does not provide any additional premium in\nconnection with the deferred compensation.\nIn addition to the voluntary deferral of cash commissions, certain participants are eligible to earn amounts in recognition of certain performance achievements that\nvest ratably over \nthree\n or \nfour years\n. When earned, award amounts are credited to a participant\u2019s account and receive a crediting rate based on Ameriprise Financial\nstock, and a participant elects (when an award is granted) whether to receive payout of these awards in cash or stock. The Company does not provide any additional\npremium or matching contribution in connection with the deferred compensation. Share units receive dividend equivalents, as dividends are declared by the\nCompany\u2019s Board of Directors, until distribution and are subject to forfeiture until vested.\nAmeriprise Advisor Group Deferred Compensation Plan\nThe Advisor Group Deferred Compensation Plan (the \u201cAAG Deferral Plan\u201d) was established in 2009 as an unfunded, non-qualified deferred compensation plan that\nprovides benefits to certain employee advisors and field leaders of the Company. The AAG Deferral Plan was not approved by the Company\u2019s shareholders and is\nconsidered a value-neutral plan (as that term is used by proxy advisory firms) and there will be no additional premium or matching contributions. Under the AAG\nDeferral Plan, a maximum of \n3.0\n million Company shares may be issued.\nThe AAG Deferral Plan allows eligible employees to voluntarily defer a portion of their base salary, bonus and/or commissions and elect crediting rate alternatives\nthat include a fund based on Ameriprise Financial stock or other investment options in lieu of receiving the applicable cash compensation. Such deferrals are fully\nvested and not subject to future service requirements or forfeitures and the Company does not provide any additional premium or matching contribution in\nconnection with the deferred compensation. Amounts a participant chooses to invest in the fund tracking Ameriprise Financial stock will be settled in Ameriprise\nshares; all voluntary deferrals invested in other investment options will be settled in cash.\nIn addition to the voluntary deferral component, participants may earn amounts in recognition of certain performance achievements. These amounts receive a\ncrediting rate based on Ameriprise Financial stock or other investment options, at the participant\u2019s election where applicable. For amounts allocated in the fund that\ntracks the performance of Ameriprise Financial stock, a participant elects (when an award is granted) whether to receive payout of these awards in cash or Company\nshares. For amounts allocated to other options, the participant receives payout in cash. These award types are subject to future service requirements and forfeitures,\nand the Company does not provide any additional premium or matching contribution in connection with the deferred compensation. Share units receive dividend\nequivalents, as dividends are declared by the Company\u2019s Board of Directors, until distribution and are subject to forfeiture until vested.\nBMO Share Plans\nAs part of the acquisition of the BMO Global Asset Management (EMEA) business in 2021, the Company maintains certain legacy BMO Financial Group share-based\nawards that were granted prior to the acquisition. All relevant awards are cash settled with the last vesting date in 2023. As of December 31, 2023 and 2022, the\nliability related to these awards was $\n1\n million and $\n26\n million, respectively, and is included in Other liabilities.\nFull Value Share Award Activity\nA summary of activity for the Company\u2019s restricted stock awards, restricted stock units granted to employees (including advisors), compensation and commission\ndeferrals into stock and deferred share units for 2023 is presented below (shares in millions):\nShares\nWeighted Average\nGrant-date \nFair Value\nNon-vested shares at January 1\n1.4\n \n$\n214.78\n \nGranted\n0.4\n \n342.06\n \nDeferred\n0.1\n \n329.87\n \nVested\n(\n0.6\n)\n252.81\n \nForfeited\n\u2014\n \n263.75\n \nNon-vested shares at December 31\n1.3\n \n250.16\n \nThe deferred shares in the table above primarily relate to franchise advisor voluntary deferrals of their commissions into Ameriprise Financial stock under the\nFranchise Advisor Deferral Plan that are fully vested at the deferral date.\nThe fair value of full value share awards vested during the years ended December 31, 2023, 2022 and 2021 was $\n197\n million, $\n191\n million and $\n139\n million, respectively.", "19621cce-7d53-48c4-b6e5-43bd9a439772": "The fair value of full value share awards vested during the years ended December 31, 2023, 2022 and 2021 was $\n197\n million, $\n191\n million and $\n139\n million, respectively.\nThe weighted average grant date fair value for restricted shares, restricted stock units and deferred share units during 2023, 2022 and 2021 was $\n342.66\n, $\n296.50\n and\n$\n207.49\n, respectively. The weighted average grant date fair value for franchise advisor and advisor group deferrals during 2023, 2022 and 2021 was $\n336.62\n, $\n280.49\nand $\n241.34\n, respectively.\n152", "c175424b-dc8b-4039-954f-cdb47248b455": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nPerformance Share Units\nUnder the 2005 ICP, the Company\u2019s Executive Leadership Team may be awarded a target number of performance share units (\u201cPSUs\u201d). PSUs will be earned only to\nthe extent that the Company attains certain goals relating to the Company\u2019s performance and relative total shareholder returns against peers over a \nthree-year\n period.\nThe awards also have a \nthree-year\n service condition with cliff vesting with an accelerated service condition based on age and length of service. The actual number of\nPSUs ultimately earned could vary from \nzero\n, if performance goals are not met, to as much as \n200\n% of the target for awards made prior to 2018 and \n175\n% of the target\nfor awards made in 2018 or later, if performance goals are significantly exceeded. The value of each target PSU is equal to the value of \none\n share of Ameriprise\nFinancial common stock. The total number of target PSUs outstanding at the end of December 31, 2023, 2022 and 2021 was \n0.2\n million, \n0.3\n million and \n0.4\n million,\nrespectively. The PSUs are liability awards. During the years ended December 31, 2023, 2022 and 2021, the value of shares settled for PSU awards was $\n68\n million, $\n85\nmillion and $\n47\n million, respectively.\n21. \nShareholders\u2019 Equity\nThe following tables provide the amounts related to each component of OCI:\nYear Ended December 31, 2023\nPretax\nIncome Tax\nBenefit\n(Expense)\nNet of Tax\n(in millions)\nNet unrealized gains (losses) on securities:\nNet unrealized gains (losses) on securities arising during the period\n$\n1,038\n \n$\n(\n240\n)\n$\n798\n \nReclassification of net (gains) losses on securities included in net income\n29\n \n(\n6\n)\n23\n \nImpact of benefit reserves and reinsurance recoverables\n(\n24\n)\n5\n \n(\n19\n)\nNet unrealized gains (losses) on securities\n1,043\n \n(\n241\n)\n802\n \nNet unrealized gains (losses) on derivatives:\nNet unrealized gains (losses) on derivatives arising during the period\n3\n \n(\n1\n)\n2\n \nReclassification of net (gains) losses on derivatives included in net income \n(\n1\n)\n1\n \n\u2014\n \nNet unrealized gains (losses) on derivatives\n2\n \n\u2014\n \n2\n \nEffect of changes in discount rate assumptions on certain long-duration contracts\n(\n69\n)\n15\n \n(\n54\n)\nEffect of changes in instrument-specific credit risk on MRBs\n(\n83\n)\n18\n \n(\n65\n)\nDefined benefit plans:\nPrior service credits and costs\n(\n1\n)\n\u2014\n \n(\n1\n)\nNet gains (losses)\n20\n \n(\n4\n)\n16\n \nDefined benefit plans\n19\n \n(\n4\n)\n15\n \nForeign currency translation\n79\n \n1\n \n80\n \nTotal other comprehensive income (loss)\n$\n991\n \n$\n(\n211\n)\n$\n780\n \n (1)\n (2)\n(3)\n153", "e897b087-3a07-4a43-aad0-30e16926d72b": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nYear Ended December 31, 2022\nPretax\nIncome Tax\nBenefit\n(Expense)\nNet of Tax\n(in millions)\nNet unrealized gains (losses) on securities:\nNet unrealized gains (losses) on securities arising during the period \n$\n(\n4,146\n)\n$\n918\n \n$\n(\n3,228\n)\nReclassification of net (gains) losses on securities included in net income \n85\n \n(\n18\n)\n67\n \nImpact of benefit reserves and reinsurance recoverables\n103\n \n(\n18\n)\n85\n \nNet unrealized gains (losses) on securities\n(\n3,958\n)\n882\n \n(\n3,076\n)\nNet unrealized gains (losses) on derivatives:\nReclassification of net (gains) losses on derivatives included in net income \n(\n1\n)\n\u2014\n \n(\n1\n)\nNet unrealized gains (losses) on derivatives\n(\n1\n)\n\u2014\n \n(\n1\n)\nEffect of changes in discount rate assumptions on certain long-duration contracts\n1,095\n \n(\n234\n)\n861\n \nEffect of changes in instrument-specific credit risk on MRBs\n517\n \n(\n110\n)\n407\n \nDefined benefit plans:\nPrior service credits and costs\n(\n1\n)\n\u2014\n \n(\n1\n)\nNet gains (losses)\n97\n \n(\n20\n)\n77\n \nDefined benefit plans\n96\n \n(\n20\n)\n76\n \nForeign currency translation\n(\n216\n)\n45\n \n(\n171\n)\nTotal other comprehensive income (loss)\n$\n(\n2,467\n)\n$\n563\n \n$\n(\n1,904\n)\nYear Ended December 31, 2021\nPretax\nIncome Tax\nBenefit\n(Expense)\nNet of Tax\n(in millions)\nNet unrealized gains (losses) on securities:\nNet unrealized gains (losses) on securities arising during the period\n$\n(\n622\n)\n$\n137\n \n$\n(\n485\n)\nReclassification of net (gains) losses on securities included in net income\n(\n561\n)\n118\n \n(\n443\n)\nImpact of benefit reserves and reinsurance recoverables\n8\n \n(\n1\n)\n7\n \nNet unrealized gains (losses) on securities\n(\n1,175\n)\n254\n \n(\n921\n)\nNet unrealized gains (losses) on derivatives:\nReclassification of net (gains) losses on derivatives included in net income \n(\n1\n)\n\u2014\n \n(\n1\n)\nNet unrealized gains (losses) on derivatives\n(\n1\n)\n\u2014\n \n(\n1\n)\nEffect of changes in discount rate assumptions on certain long-duration contracts\n361\n \n(\n77\n)\n284\n \nEffect of changes in instrument-specific credit risk on MRBs\n127\n \n(\n27\n)\n100\n \nDefined benefit plans:\nPrior service credits\n(\n3\n)\n1\n \n(\n2\n)\nNet gains (losses)\n70\n \n(\n15\n)\n55\n \nDefined benefit plans\n67\n \n(\n14\n)\n53\n \nForeign currency translation\n(\n16\n)\n3\n \n(\n13\n)\nTotal other comprehensive income (loss)\n$\n(\n637\n)\n$\n139\n \n$\n(\n498\n)\n Includes impairments on Available-for-Sale securities related to factors other than credit that were recognized in OCI during the period.\n Reclassification amounts are recorded in Net investment income.\n Includes a $\n1\n million, $\n1\n million and $\n1\n million pretax gain reclassified to Interest and debt expense.\nOther comprehensive income (loss) related to net unrealized gains (losses) on securities includes three components: (i) unrealized gains (losses) that arose from\nchanges in the market value of securities that were held during the period; (ii) (gains) losses that were previously unrealized, but have been recognized in current\nperiod net income due to sales of Available-for-Sale securities and due to the reclassification of noncredit losses to credit losses; and (iii) other adjustments primarily\nconsisting of changes in insurance and annuity asset and liability balances, such as benefit reserves and reinsurance recoverables, to reflect the expected impact on\ntheir carrying values had the unrealized gains (losses) been realized as of the respective balance sheet dates.\n(1)\n(2)\n(3)\n (1)\n (2)\n(3)\n(1)\n(2)\n(3)\n154", "2eb14a50-b8ca-40ef-be7b-f85ba399d664": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe following table presents the changes in the balances of each component of AOCI, net of tax:\nNet Unrealized\nGains\n(Losses) on\nSecurities\nNet Unrealized\nGains (Losses)\non Derivatives\nEffect of\nChanges in\nDiscount Rate\nAssumptions\nEffect of\nChanges in\nInstrument-\nSpecific Credit\nRisk on MRBs\nDefined\nBenefit Plans\nForeign\nCurrency\nTranslation\nOther\nTotal\n(in millions)\nBalance at January 1, 2021\n$\n1,247\n \n$\n5\n \n$\n\u2014\n \n$\n\u2014\n \n$\n(\n204\n)\n$\n(\n154\n)\n$\n(\n1\n)\n$\n893\n \nCumulative effect of adoption of long-\nduration contracts guidance\n707\n \n\u2014\n \n(\n1,217\n)\n(\n527\n)\n\u2014\n \n\u2014\n \n\u2014\n \n(\n1,037\n)\nOCI before reclassifications\n(\n478\n)\n\u2014\n \n284\n \n100\n \n36\n \n(\n13\n)\n\u2014\n \n(\n71\n)\nAmounts reclassified from AOCI\n(\n443\n)\n(\n1\n)\n\u2014\n \n\u2014\n \n17\n \n\u2014\n \n\u2014\n \n(\n427\n)\nTotal OCI\n(\n921\n)\n(\n1\n)\n284\n \n100\n \n53\n \n(\n13\n)\n\u2014\n \n(\n498\n)\nBalance at December 31, 2021\n1,033\n \n4\n \n(\n933\n)\n(\n427\n)\n(\n151\n)\n(\n167\n)\n(\n1\n)\n(\n642\n)\nOCI before reclassifications\n(\n3,143\n)\n\u2014\n \n861\n \n407\n \n61\n \n(\n171\n)\n\u2014\n \n(\n1,985\n)\nAmounts reclassified from AOCI\n67\n \n(\n1\n)\n\u2014\n \n\u2014\n \n15\n \n\u2014\n \n\u2014\n \n81\n \nTotal OCI\n(\n3,076\n)\n(\n1\n)\n861\n \n407\n \n76\n \n(\n171\n)\n\u2014\n \n(\n1,904\n)\nBalance at December 31, 2022\n(\n2,043\n)\n3\n \n(\n72\n)\n(\n20\n)\n(\n75\n)\n(\n338\n)\n(\n1\n)\n(\n2,546\n)\nOCI before reclassifications\n779\n \n2\n \n(\n54\n)\n(\n65\n)\n14\n \n80\n \n\u2014\n \n756\n \nAmounts reclassified from AOCI\n23\n \n\u2014\n \n\u2014\n \n\u2014\n \n1\n \n\u2014\n \n\u2014\n \n24\n \nTotal OCI\n802\n \n2\n \n(\n54\n)\n(\n65\n)\n15\n \n80\n \n\u2014\n \n780\n \nBalance at December 31, 2023\n$\n(\n1,241\n)\n$\n5\n \n$\n(\n126\n)\n$\n(\n85\n)\n$\n(\n60\n)\n$\n(\n258\n)\n$\n(\n1\n)\n$\n(\n1,766\n)\nFor the years ended December 31, 2023, 2022 and 2021, the Company repurchased a total of \n5.9\n million shares, \n6.6\n million shares and \n7.1\n million shares, respectively, of\nits common stock for an aggregate cost of $\n2.0\n billion, $\n1.9\n billion and $\n1.8\n billion, respectively. In January 2022, the Company\u2019s Board of Directors authorized an\nadditional $\n3.0\n billion for the repurchase of the Company\u2019s common stock through March 31, 2024, which was exhausted in the fourth quarter of 2023. In July 2023,\nthe Company\u2019s Board of Directors authorized an additional $\n3.5\n billion for the repurchase of the Company\u2019s common stock through September 30, 2025. As of\nDecember 31, 2023, the Company had $\n3.1\n billion remaining under this share repurchase authorization.\nThe Company may also reacquire shares of its common stock under its share-based compensation plans related to restricted stock awards and certain option\nexercises. The holders of restricted shares may elect to surrender a portion of their shares on the vesting date to cover their income tax obligation. These vested\nrestricted shares are reacquired by the Company and the Company\u2019s payment of the holders\u2019 income tax obligations are recorded as a treasury share purchase.", "cb5a039b-574a-47fe-8b36-dfee031f3c1a": "In July 2023,\nthe Company\u2019s Board of Directors authorized an additional $\n3.5\n billion for the repurchase of the Company\u2019s common stock through September 30, 2025. As of\nDecember 31, 2023, the Company had $\n3.1\n billion remaining under this share repurchase authorization.\nThe Company may also reacquire shares of its common stock under its share-based compensation plans related to restricted stock awards and certain option\nexercises. The holders of restricted shares may elect to surrender a portion of their shares on the vesting date to cover their income tax obligation. These vested\nrestricted shares are reacquired by the Company and the Company\u2019s payment of the holders\u2019 income tax obligations are recorded as a treasury share purchase.\nFor the years ended December 31, 2023, 2022 and 2021, the Company reacquired \n0.3\n million shares, \n0.3\n million shares and \n0.3\n million shares, respectively, of its\ncommon stock through the surrender of shares upon vesting and paid in the aggregate $\n99\n million, $\n99\n million and $\n69\n million, respectively, related to the holders\u2019\nincome tax obligations on the vesting date. Option holders may elect to net settle their vested awards resulting in the surrender of the number of shares required to\ncover the strike price and tax obligation of the options exercised. These shares are reacquired by the Company and recorded as treasury shares. For the years ended\nDecember 31, 2023, 2022 and 2021, the Company reacquired \n0.4\n million shares, \n0.5\n million shares and \n1.3\n million shares, respectively, of its common stock through the\nnet settlement of options for an aggregate value of $\n150\n million, $\n145\n million and $\n306\n million, respectively.\nFor the years ended December 31, 2023, 2022 and 2021, the Company reissued \n0.6\n million, \n0.8\n million and \n0.4\n million, respectively, treasury shares for restricted stock\naward grants, performance share units, and issuance of shares vested under advisor deferred compensation plans.\n155", "2c81b45e-83e3-4f50-8de8-155298e77cc4": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\n22. \nEarnings per Share\nThe computations of basic and diluted earnings per share were as follows:\n \nYears Ended December 31,\n2023\n2022\n2021\n(in millions, except per share amounts)\nNumerator:\nNet income\n$\n2,556\n \n$\n3,149\n \n$\n3,417\n \nDenominator:\nBasic: Weighted-average common shares outstanding\n105.7\n \n111.3\n \n117.3\n \nEffect of potentially dilutive nonqualified stock options and other share-based awards\n2.1\n \n2.4\n \n2.7\n \nDiluted: Weighted-average common shares outstanding\n107.8\n \n113.7\n \n120.0\n \nEarnings per share attributable to Ameriprise Financial, Inc. common shareholders:\nBasic\n$\n24.18\n \n$\n28.29\n \n$\n29.13\n \nDiluted\n$\n23.71\n \n$\n27.70\n \n$\n28.48\n \nThe calculation of diluted earnings per share excludes the incremental effect of \n0.2\n million, \n0.2\n million and \nnil\n options for the years ended December 31, 2023, 2022 and\n2021, respectively, due to their anti-dilutive effect.\n23. \nRegulatory Requirements\nRestrictions on the transfer of funds exist under regulatory requirements applicable to certain of the Company\u2019s operating subsidiaries.\nInsurance subsidiaries\nThe National Association of Insurance Commissioners (\u201cNAIC\u201d) defines Risk-Based Capital (\u201cRBC\u201d) requirements for insurance companies. The RBC requirements\nare used by the NAIC and state insurance regulators to identify companies that merit regulatory actions designed to protect policyholders. These requirements apply\nto the Company\u2019s life insurance companies. The Company\u2019s life insurance companies each met their respective minimum RBC requirements.\nThe Company\u2019s life insurance companies are required to prepare statutory financial statements in accordance with the accounting practices prescribed or permitted\nby the insurance departments of their respective states of domicile, which vary materially from GAAP. Prescribed statutory accounting practices include publications\nof the NAIC, as well as state laws, regulations and general administrative rules. The more significant differences from GAAP include charging policy acquisition costs\nto expense as incurred, establishing annuity and insurance reserves using different actuarial methods and assumptions, valuing investments on a different basis and\nexcluding certain assets from the balance sheet by charging them directly to surplus, such as a portion of the net deferred income tax assets.\nState insurance statutes contain limitations as to the amount of dividends that insurers may make without providing prior notification to state regulators. For\nRiverSource Life, payments in excess of unassigned surplus, as determined in accordance with accounting practices prescribed by the State of Minnesota, require\nadvance notice to the Minnesota Department of Commerce, RiverSource Life\u2019s primary regulator, and are subject to potential disapproval. RiverSource Life\u2019s\nstatutory unassigned deficit was $\n582\n million and $\n679\n million as of December 31, 2023 and 2022, respectively.\nIn addition, dividends whose fair market value, together with that of other dividends made within the preceding 12 months, exceed the greater of the previous year\u2019s\nstatutory net gain from operations or \n10\n% of the previous year-end statutory capital and surplus are referred to as \u201cextraordinary dividends.\u201d Extraordinary dividends\nalso require advance notice to the Minnesota Department of Commerce, and are subject to potential disapproval. Statutory capital and surplus for RiverSource Life\nwas $\n3.1\n billion as of both December 31, 2023 and 2022.\nStatutory net gain from operations and net income are summarized as follows:\nYears Ended December 31,\n2023\n2022\n2021\n(in millions)\nRiverSource Life\nStatutory net gain from operations\n$\n1,331\n \n$\n1,615\n \n$\n1,366\n \nStatutory net income\n845\n \n1,769\n \n253\n \nGovernment debt securities of $\n4\n million as of both December 31, 2023 and 2022 held by the Company\u2019s life insurance subsidiaries were on deposit with various\nstates as required by law.\n156", "7b3a15eb-ebf5-4b0d-8430-a9be96201eec": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nBroker-dealer subsidiaries\nThe Company\u2019s broker-dealer subsidiaries are subject to the Uniform Net Capital Rule (Rule 15c3-1) under the Securities Exchange Act of 1934. Rule 15c3-1 provides\nan \u201calternative net capital requirement\u201d which AEIS and Ameriprise Financial Services, LLC (\u201cAFS\u201d) (significant broker dealers) have elected. Regulations require\nthat minimum net capital, as defined, be equal to the greater of $\n250\n thousand or \n2\n% of aggregate debit items arising from client balances. Financial Industry\nRegulatory Authority (\u201cFINRA\u201d) may impose certain restrictions, such as restricting withdrawals of equity capital, if a member firm were to fall below a certain\nthreshold or fail to meet minimum net capital requirements.\nThe following table presents the net capital position of both AEIS and AFS:\nDecember 31,\n2023\n2022\n(in millions, except percentages)\nAEIS\nNet capital as a percent of aggregate debit items\n11.62\n \n%\n15.76\n \n%\nNet capital\n$\n171\n \n$\n208\n \nLess: required net capital\n29\n \n26\n \nExcess net capital\n$\n142\n \n$\n182\n \nAFS\nNet capital\n$\n101\n \n$\n90\n \nLess: required net capital\n\u2014\n \n\u2014\n \nExcess net capital\n$\n101\n \n$\n90\n \nOn February 14, 2024, AEIS and AFS paid cash dividends of $\n40\n million and $\n20\n million, respectively, to AMPF Holding, LLC. These dividends were declared\nsubsequent to the balance sheet date.\nBank subsidiary\nThe Company is a savings and loan holding company that is subject to various banking regulations. However, the Company is not currently subject to the risk-based\ncapital requirements of the Federal Reserve Bank because it is substantially engaged in insurance activities.\nAmeriprise Bank is subject to regulation by the Office of the Comptroller of the Currency (\u201cOCC\u201d) and the Federal Deposit Insurance Corporation in its role as insurer\nof its deposits. Ameriprise Bank is required to maintain minimum amounts and ratios of Total and Tier 1 capital (as defined in the regulations) to risk-weighted assets\n(as defined), Tier 1 Capital to average assets (as defined), and under rules defined under the Basel III capital framework, Common equity Tier 1 capital (\u201cCEIT\u201d) to\nrisk-weighted assets. Ameriprise Bank calculates these ratios under the Basel III standardized approach in order to assess compliance with both regulatory\nrequirements and Ameriprise Bank\u2019s internal capital policies. As permitted under the rules of the Basel III capital framework, the Company has elected to exclude\nAOCI from its calculation of regulatory capital. Ameriprise Bank\u2019s requirements to maintain adequate capital ratios in relation to its risk-weighted asset levels could\naffect its ability to take capital actions, such as the payment of dividends. As of December 31, 2023, Ameriprise Bank\u2019s capital levels exceeded the capital\nconservation buffer requirement and was categorized as \u201cwell-capitalized.\u201d\n157", "1f6c60a6-3a5d-4911-bd96-b9c5f145a8e5": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nTo meet requirements for capital adequacy purposes or to be categorized as \u201cwell-capitalized,\u201dAmeriprise Bank must maintain minimum CEIT, Tier 1 capital, Total\ncapital and Tier 1 leverage amounts and ratios as set forth in the following table:\nRegulatory Capital\nActual\nRequirement \nfor capital \nadequacy purposes\nTo be well \ncapitalized under \nregulatory provisions\nAmount\nRatio\nAmount\nRatio\nAmount\nRatio\n(in millions, except percentages)\nAt December 31, 2023\nCommon equity Tier 1 capital\n$\n1,715\n \n31.72\n \n%\n$\n243\n \n4.50\n \n%\n$\n351\n \n6.50\n \n%\nTier 1 capital\n1,715\n \n31.72\n \n324\n \n6.00\n \n433\n \n8.00\n \nTotal capital\n1,724\n \n31.89\n \n433\n \n8.00\n \n541\n \n10.00\n \nTier 1 leverage\n1,715\n \n7.44\n \n922\n \n4.00\n \n1,153\n \n5.00\n \nAt December 31, 2022\nCommon equity Tier 1 capital\n$\n1,542\n \n30.18\n \n%\n$\n230\n \n4.50\n \n%\n$\n332\n \n6.50\n \n%\nTier 1 capital\n1,542\n \n30.18\n \n307\n \n6.00\n \n409\n \n8.00\n \nTotal capital\n1,546\n \n30.26\n \n409\n \n8.00\n \n511\n \n10.00\n \nTier 1 leverage\n1,542\n \n7.72\n \n799\n \n4.00\n \n999\n \n5.00\n \nOther subsidiaries\nAmeriprise Certificate Company (\u201cACC\u201d) is registered as an investment company under the Investment Company Act of 1940 (the \u201c1940 Act\u201d). ACC markets and\nsells investment certificates to clients. ACC is subject to various capital requirements under the 1940 Act, laws of the State of Minnesota and understandings with\nthe Securities and Exchange Commission (\u201cSEC\u201d) and the Minnesota Department of Commerce. The terms of the investment certificates issued by ACC and the\nprovisions of the 1940 Act also require the maintenance by ACC of qualified assets. Under the provisions of its certificates and the 1940 Act, ACC was required to\nhave qualified assets (as that term is defined in Section 28(b) of the 1940 Act) in the amount of $\n13.5\n billion and $\n9.3\n billion as of December 31, 2023 and 2022,\nrespectively. ACC had qualified assets of $\n14.3\n billion and $\n9.9\n billion as of December 31, 2023 and 2022, respectively.\nAmeriprise Trust Company is subject to capital adequacy requirements under the laws of the State of Minnesota as enforced by the Minnesota Department of\nCommerce.\nRequired capital for Columbia Threadneedle Investments UK International Ltd. is predominantly based on the requirements specified by its regulator, the Financial\nConduct Authority (\u201cFCA\u201d), under its Capital Adequacy Requirements for investment firms.\n24. \nIncome Taxes\nThe components of income tax provision attributable to continuing operations were as follows:\nYears Ended December 31,\n2023\n2022\n2021\n(in millions)\nCurrent income tax\nFederal\n$\n518\n \n$\n509\n \n$\n551\n \nState and local\n124\n \n93\n \n79\n \nForeign\n18\n \n25\n \n47\n \nTotal current income tax\n660\n \n627\n \n677\n \nDeferred income tax\nFederal\n45\n \n155\n \n113\n \nState and local\n(\n14\n)\n6\n \n\u2014\n \nForeign\n(\n13\n)\n(\n6\n)\n(\n22\n)\nTotal deferred income tax\n18\n \n155\n \n91\n \nTotal income tax provision\n$\n678\n \n$\n782\n \n$\n768\n \n158", "b1046583-b557-4c0d-86b3-fe1ba065b919": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe geographic sources of pretax income from continuing operations were as follows:\nYears Ended December 31,\n2023\n2022\n2021\n(in millions)\nUnited States\n$\n3,199\n \n$\n3,824\n \n$\n3,961\n \nForeign\n35\n \n107\n \n224\n \nTotal\n$\n3,234\n \n$\n3,931\n \n$\n4,185\n \nThe principal reasons that the aggregate income tax provision attributable to continuing operations is different from that computed by using the U.S. statutory rate of\n21% were as follows:\nYears Ended December 31,\n2023\n2022\n2021\nTax at U.S. statutory rate\n21.0\n \n%\n21.0\n \n%\n21.0\n \n%\nChanges in taxes resulting from:\nState taxes, net of federal benefit\n2.7\n \n2.0\n \n1.5\n \nNon-deductible expenses\n1.1\n \n0.5\n \n0.4\n \nIncentive compensation\n(\n1.5\n)\n(\n1.0\n)\n(\n1.3\n)\nLow income housing tax credits\n(\n1.0\n)\n(\n1.1\n)\n(\n1.6\n)\nOther, net\n(\n1.3\n)\n(\n1.5\n)\n(\n1.7\n)\nIncome tax provision\n21.0\n \n%\n19.9\n \n%\n18.3\n \n%\nThe increase in the Company\u2019s effective tax rate for the year ended December 31, 2023 compared to 2022 is primarily the result of an increase in state taxes, net of\nfederal benefit, partially offset by incentive compensation and various other adjustments.\nThe increase in the Company\u2019s effective tax rate for the year ended December 31, 2022 compared to 2021 is primarily the result of a decrease in low income housing tax\ncredits and an increase in state taxes, net of federal benefit, and various other adjustments.\nDeferred income tax assets and liabilities result from temporary differences between the assets and liabilities measured for GAAP reporting versus income tax return\npurposes. Deferred income tax assets and liabilities are measured at the statutory rate of \n21\n% as of both December 31, 2023 and 2022. \nThe significant components of\nthe Company\u2019s deferred income tax assets and liabilities, which are included net within Other assets or Other liabilities, were as follows:\nDecember 31,\n2023\n2022 \n(in millions)\nDeferred income tax assets\nInsurance and annuity benefits including corresponding hedges\n$\n1,244\n \n$\n1,404\n \nDeferred compensation including corresponding hedges\n545\n \n480\n \nInvestments including net unrealized on Available-for-Sale securities\n335\n \n512\n \nNet operating loss\n74\n \n63\n \nOther\n127\n \n134\n \nGross deferred income tax assets\n2,325\n \n2,593\n \nLess: valuation allowance\n65\n \n65\n \nTotal deferred income tax assets\n2,260\n \n2,528\n \nDeferred income tax liabilities\nDeferred acquisition costs\n390\n \n420\n \nGoodwill and intangibles\n313\n \n301\n \nOther\n131\n \n158\n \nGross deferred income tax liabilities\n834\n \n879\n \nNet deferred income tax assets\n$\n1,426\n \n$\n1,649\n \n Prior period amounts have been reclassified to conform to current year presentation and primarily relate to derivative activity being presented with the liabilities they are hedging\nand remaining investments being presented together inclusive of net unrealized on Available-for-Sale securities.\n(1)\n(1)\n159", "290bb003-323d-447d-9525-46acaf55b330": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nIncluded in the Company\u2019s deferred income tax assets are tax benefits related to state net operating losses of $\n30\n million, net of federal benefit, which will expire\nbeginning December 31, 2024 and foreign net operating losses of $\n44\n million, which do not expire. Based on analysis of the Company\u2019s tax position as of December\n31, 2023, management believes it is more likely than not that the Company will not realize certain state net operating losses of $\n29\n million and state deferred tax assets\nof $\n2\n million, net of federal benefit, and foreign net operating losses of $\n34\n million; therefore, a valuation allowance of $\n65\n million has been established.\nA reconciliation of the beginning and ending amount of gross unrecognized tax benefits was as follows:\n2023\n2022\n2021\n(in millions)\nBalance at January 1\n$\n138\n \n$\n125\n \n$\n110\n \nAdditions for tax positions related to the current year\n26\n \n12\n \n21\n \nReductions for tax positions related to the current year\n(\n3\n)\n(\n1\n)\n(\n1\n)\nAdditions for tax positions of prior years\n80\n \n5\n \n5\n \nReductions for tax positions of prior years\n(\n85\n)\n(\n1\n)\n(\n8\n)\nReductions due to lapse of statutes of limitations\n(\n5\n)\n\u2014\n \n(\n1\n)\nAudit settlements\n(\n1\n)\n(\n2\n)\n(\n1\n)\nBalance at December 31\n$\n150\n \n$\n138\n \n$\n125\n \nIf recognized, approximately $\n120\n million, $\n106\n million and $\n95\n million, net of federal tax benefits, of unrecognized tax benefits as of December 31, 2023, 2022 and 2021,\nrespectively, would affect the effective tax rate.\nIt is reasonably possible that the total amount of unrecognized tax benefits will change in the next 12 months. The Company estimates that the total amount of gross\nunrecognized tax benefits may decrease by approximately $\n25\n million in the next 12 months primarily due to expected exam closures and state statutes of limitations\nexpirations.\nThe Company recognizes interest and penalties related to unrecognized tax benefits as a component of the income tax provision. The Company recognized a net\nincrease of $\n12\n million, $\n4\n million and \nnil\n in interest and penalties for the years ended December 31, 2023, 2022 and 2021, respectively. As of December 31, 2023 and\n2022, the Company had a payable of $\n26\n million and $\n14\n million, respectively, related to accrued interest and penalties.\nThe Company or one or more of its subsidiaries files income tax returns in the U.S. federal jurisdiction and various state and foreign jurisdictions. As of December 31,\n2023, the federal statutes of limitations are closed on years through 2018. A previously open item for 2014 and 2015 was resolved in the second quarter of 2023. Also\nin the second quarter of 2023, the Internal Revenue Service (\u201cIRS\u201d) audit for tax years 2016 through 2018 was finalized. The IRS is currently auditing the Company\u2019s\nU.S. income tax returns for 2019 and 2020. The Company\u2019s state income tax returns are currently under examination by various jurisdictions for years ranging from\n2017 through 2021.\nThe Company is an applicable corporation required to compute CAMT; however, based on current estimates the Company does not expect to be liable for the CAMT\nin 2023 and therefore a liability has not been recorded.\n25. \nRetirement Plans and Profit Sharing Arrangements\nDefined Benefit Plans\nPension Plans and Other Postretirement Benefits\nThe Company\u2019s U.S. non-advisor employees who were hired prior to April of 2019 are generally eligible for the Ameriprise Financial Retirement Plan (the \u201cRetirement\nPlan\u201d), a noncontributory defined benefit plan which is a qualified plan under the Employee Retirement Income Security Act of 1974, as amended (\u201cERISA\u201d).\nHowever, effective April 2020, the Company no longer enrolls new employees in the Retirement Plan. Funding of costs for the Retirement Plan complies with the\napplicable minimum funding requirements specified by ERISA and is held in a trust. The Retirement Plan is a cash balance plan by which the employees\u2019 accrued\nbenefits are based on notional account balances, which are maintained for each individual.", "665693ab-429a-43b8-b420-172307e2c2f9": "25. \nRetirement Plans and Profit Sharing Arrangements\nDefined Benefit Plans\nPension Plans and Other Postretirement Benefits\nThe Company\u2019s U.S. non-advisor employees who were hired prior to April of 2019 are generally eligible for the Ameriprise Financial Retirement Plan (the \u201cRetirement\nPlan\u201d), a noncontributory defined benefit plan which is a qualified plan under the Employee Retirement Income Security Act of 1974, as amended (\u201cERISA\u201d).\nHowever, effective April 2020, the Company no longer enrolls new employees in the Retirement Plan. Funding of costs for the Retirement Plan complies with the\napplicable minimum funding requirements specified by ERISA and is held in a trust. The Retirement Plan is a cash balance plan by which the employees\u2019 accrued\nbenefits are based on notional account balances, which are maintained for each individual. Each pay period these balances are credited with an amount equal to a\npercentage of eligible compensation as defined by the Retirement Plan (which includes, but is not limited to, base pay, performance based incentive pay,\ncommissions, shift differential and overtime). The percentage ranges from \n2.5\n% to \n10\n% depending on several factors including years of service as of April 2020 and\nwill no longer increase with more years of service. Employees\u2019 balances are also credited with a fixed rate of interest that is updated each January 1 and is based on\nthe average of the daily \nfive-year\n U.S. Treasury Note yields for the previous October 1 through November 30, with a minimum crediting rate of \n5\n% and maximum\ncrediting rate of \n10\n%. Employees are fully vested after \n3\n years of service or upon retirement at or after age 65, disability or death while employed. Employees have the\noption to receive annuity payments or a lump sum payout of vested balance after termination or retirement.\nIn addition, the Company sponsors the Ameriprise Financial Supplemental Retirement Plan (the \u201cSRP\u201d), an unfunded non-qualified deferred compensation plan\nsubject to Section 409A of the Internal Revenue Code. This plan is for certain highly compensated\n160", "fce7da44-9b25-4db8-aaca-9dfc0f607634": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nemployees to replace the benefit that cannot be provided by the Retirement Plan due to IRS limits. The SRP generally parallels the Retirement Plan but offers different\npayment options.\nThe Company also sponsors unfunded defined benefit postretirement plans that provide health care and life insurance to retired U.S. employees. On December 31,\n2016, the access to retiree health care coverage was closed to all active employees who had previously met the qualification requirements. Instead, only existing\nretirees, as of January 1, 2017, qualifying for the plan and electing coverage will be provided a fixed amount to subsidize health care insurance purchased through\nother providers. Net periodic postretirement benefit costs were not material for the years ended December 31, 2023, 2022 and 2021.\nMost employees outside the U.S. are covered by local retirement plans, some of which are funded, while other employees receive payments at the time of retirement\nor termination under applicable labor laws or agreements. All plans are closed to new participants. The plans provide benefits calculated using salary data of the\nparticipants. The plans are based on final salary payments and benefits are adjusted in line with plan rules (e.g. in line with price inflation in the U.K.) once in payment\nduring retirement. The level of benefits provided depends on the member\u2019s length of service and pensionable salary at retirement date or date of termination if earlier.\nAll components of the net periodic benefit cost are recorded in \nGeneral and administrative expense\n and were as follows:\nYears Ended December 31,\n2023\n2022\n2021\n(in millions)\nService cost\n$\n29\n \n$\n43\n \n$\n45\n \nInterest cost\n65\n \n39\n \n21\n \nExpected return on plan assets\n(\n76\n)\n(\n70\n)\n(\n57\n)\nAmortization of prior service credits\n(\n1\n)\n(\n1\n)\n(\n2\n)\nAmortization of net loss\n\u2014\n \n18\n \n23\n \nOther\n3\n \n3\n \n5\n \nNet periodic benefit cost\n$\n20\n \n$\n32\n \n$\n35\n \nThe prior service costs are amortized on a straight-line basis over the average remaining service period of active participants. Actuarial gains and losses in excess of\n10% of the greater of the projected benefit obligation or the market-related value of assets are amortized on a straight-line basis over the expected average remaining\nservice period of active participants.\nThe following table provides a reconciliation of changes in the benefit obligation:\nPension Plans\nOther Postretirement Plans\n2023\n2022\n2023\n2022\n(in millions)\nBenefit obligation at January 1\n$\n1,256\n \n$\n1,815\n \n$\n11\n \n$\n13\n \nService cost\n29\n \n43\n \n\u2014\n \n\u2014\n \nInterest cost\n65\n \n39\n \n1\n \n\u2014\n \nBenefits paid\n(\n23\n)\n(\n21\n)\n(\n1\n)\n(\n1\n)\nActuarial (gain) loss\n52\n \n(\n520\n)\n\u2014\n \n(\n1\n)\nSettlements\n(\n45\n)\n(\n27\n)\n\u2014\n \n\u2014\n \nForeign currency rate changes\n21\n \n(\n73\n)\n\u2014\n \n\u2014\n \nBenefit obligation at December 31\n$\n1,355\n \n$\n1,256\n \n$\n11\n \n$\n11\n \nThe actuarial (gain) loss for pension plans were primarily due to changes in the discount rate assumption as of December 31, 2023 and 2022, respectively.\n161", "235ba7ce-1921-4bf5-9efd-5f1e6a0f464b": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe following table provides a reconciliation of changes in the fair value of assets:\nPension Plans\n2023\n2022\n(in millions)\nFair value of plan assets, January 1\n$\n1,142\n \n$\n1,583\n \nActual return on plan assets\n136\n \n(\n365\n)\nEmployer contributions\n56\n \n56\n \nBenefits paid\n(\n23\n)\n(\n21\n)\nSettlements\n(\n45\n)\n(\n27\n)\nForeign currency rate changes\n26\n \n(\n84\n)\nFair value of plan assets, December 31\n$\n1,292\n \n$\n1,142\n \nThe Company complies with the minimum funding requirements in all countries. \nThe following table provides the amounts recognized in the Consolidated Balance\nSheets as of December 31, which equal the funded status of the plans:\nPension Plans\nOther Postretirement Plans\n2023\n2022\n2023\n2022\n(in millions)\nBenefit liability\n$\n(\n169\n)\n$\n(\n215\n)\n$\n(\n11\n)\n$\n(\n11\n)\nBenefit asset\n106\n \n101\n \n\u2014\n \n\u2014\n \nNet amount recognized\n$\n(\n63\n)\n$\n(\n114\n)\n$\n(\n11\n)\n$\n(\n11\n)\nThe accumulated benefit obligation for all pension plans as of December 31, 2023 and 2022 was $\n1.3\n billion and $\n1.2\n billion, respectively. \nThe following table provides\ninformation for pension plans with benefit obligations in excess of plan assets:\nDecember 31,\n2023\n2022\n(in millions)\nPension plans with accumulated benefit obligations in excess of plan assets\nAccumulated benefit obligation\n$\n945\n \n$\n874\n \nFair value of plan assets\n803\n \n688\n \nPension plans with projected benefit obligations in excess of plan assets\nProjected benefit obligation\n$\n972\n \n$\n903\n \nFair value of plan assets\n803\n \n688\n \nThe weighted average assumptions used to determine benefit obligations were as follows:\nPension Plans\nOther Postretirement Plans\n2023\n2022\n2023\n2022\nDiscount rates\n4.98\n \n%\n5.30\n \n%\n5.07\n \n%\n5.41\n \n%\nRates of increase in compensation levels\n3.64\n \n3.72\n \nN/A\nN/A\nInterest crediting rates for cash balance plans\n5.00\n \n5.00\n \nN/A\nN/A\nN/A Not Applicable\nThe weighted average assumptions used to determine net periodic benefit cost of pension plans were as follows:\n2023\n2022\n2021\nDiscount rates\n5.30\n \n%\n2.46\n \n%\n2.33\n \n%\nRates of increase in compensation levels\n3.72\n \n3.69\n \n5.21\n \nExpected long-term rates of return on assets\n6.04\n \n4.82\n \n6.58\n \nInterest crediting rates for cash balance plans\n5.00\n \n5.00\n \n5.00\n \nIn developing the expected long-term rate of return on assets, management evaluated input from an external consulting firm, including their projection of asset class\nreturn expectations and long-term inflation assumptions. The Company also considered historical returns on the plans\u2019 assets. Discount rates are based on yields\navailable on high-quality corporate bonds that would generate cash flows necessary to pay the benefits when due.\n162", "ea7f2b73-bb48-488f-9089-afccf36d3543": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThe Company\u2019s pension plans\u2019 assets are invested in an aggregate diversified portfolio to minimize the impact of any adverse or unexpected results from a security\nclass on the entire portfolio. Diversification is interpreted to include diversification by asset type, performance and risk characteristics and number of investments.\nWhen appropriate and consistent with the objectives of the plans, derivative instruments may be used to mitigate risk or provide further diversification, subject to the\ninvestment policies of the plans. Asset classes and ranges considered appropriate for investment of the plans\u2019 assets are determined by each plan\u2019s investment\ncommittee. The target allocations are \n70\n% equity securities, \n20\n% debt securities and \n10\n% all other types of investments, except for the assets in pooled pension funds\nand certain collective funds described below, and additional voluntary contribution assets outside the U.S. which are allocated at the discretion of the individual and\nwill be converted at retirement into the defined benefit pension plan. Actual allocations will generally be within \n5\n% of these targets. In addition, assets in pooled\npension funds and certain collective funds reflect allocations between growth and liability matching portfolios and may shift based on manager discretion. These\nfunds invest primarily in debt securities, equity securities, and certain derivatives, either directly or through other collective funds. As of December 31, 2023 and 2022,\nthere were no significant holdings of any single issuer and the exposure to derivative instruments was not significant.\nThe following tables present the Company\u2019s pension plans assets measured at fair value on a recurring basis:\nAsset Category\nDecember 31, 2023\nLevel 1\nLevel 2\nLevel 3\nTotal\n(in millions)\nEquity securities:\nU.S. small cap stocks\n$\n90\n \n$\n7\n \n$\n\u2014\n \n$\n97\n \nRegistered investment companies\n90\n \n\u2014\n \n\u2014\n \n90\n \nInsurance contracts\n\u2014\n \n\u2014\n \n23\n \n23\n \nCash equivalents at NAV\n3\n \nCollective investment funds at NAV\n859\n \nReal estate investment trusts at NAV\n28\n \nHedge funds at NAV\n24\n \nPooled pension funds at NAV\n168\n \nTotal\n$\n180\n \n$\n7\n \n$\n23\n \n$\n1,292\n \nDecember 31, 2022\nAsset Category\nLevel 1\nLevel 2\nLevel 3\nTotal\n(in millions)\nEquity securities:\nU.S. small cap stocks\n$\n76\n \n$\n6\n \n$\n\u2014\n \n$\n82\n \nRegistered investment companies\n80\n \n\u2014\n \n\u2014\n \n80\n \nInsurance contracts\n\u2014\n \n\u2014\n \n19\n \n19\n \nCash equivalents at NAV\n6\n \nCollective investment funds at NAV\n758\n \nReal estate investment trusts at NAV\n29\n \nHedge funds at NAV\n16\n \nPooled pension funds at NAV\n152\n \nTotal\n$\n156\n \n$\n6\n \n$\n19\n \n$\n1,142\n \n Amounts are comprised of certain investments that are measured at fair value using the NAV per share (or its equivalent) as a practical expedient and have not been classified in the\nfair value hierarchy.\nEquity securities are managed to track the performance of common market indices for both U.S. and non-U.S. securities, primarily across large cap, small cap and\nemerging market asset classes. Cash equivalents consist of holdings in a money market fund that seeks to equal the return of the three month U.S. Treasury bill.\nCollective investment funds include equity and debt securities. Real estate funds are managed to track the performance of a broad population of investment grade\nnon-agricultural income producing properties. The Company\u2019s investments in hedge funds include investments in a multi-strategy fund and an off-shore fund\nmanaged to track the performance of broad fund of fund indices. Pooled pension funds are managed to track a specific benchmark based on the investment\nobjectives of the fund.\nThe fair value of equity securities classified as Level 1 use quoted prices in active markets and the fair value of equity securities classified as Level 2 is determined\nbased on a market approach using observable inputs. The fair value of the registered investment companies\u2019 mutual funds is determined by the NAV which\nrepresents the exit price. These funds are classified as Level 1 as they are\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n163", "fb70bff5-e982-44c1-ab8f-4107ff21e575": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\ntraded in active markets and quoted prices are available. Insurance contracts support certain non-U.S plans and are classified as Level 3.\nThe amounts recognized in AOCI, net of tax, as of December 31, 2023 but not recognized as components of net periodic benefit cost included an unrecognized\nactuarial loss of $\n63\n million and an unrecognized prior service credit of $\n1\n million related to the Company\u2019s pension plans. The Company\u2019s other postretirement plans\nincluded an unrecognized actuarial gain of $\n2\n million and an unrecognized prior service credit of \nnil\n as of December 31, 2023. See Note 21 for a rollforward of AOCI\nrelated to the Company\u2019s defined benefit plans.\nThe Company\u2019s pension plans expect to make benefit payments to retirees as follows:\nPension Plans\nOther \nPostretirement Plans\n(in millions)\n2024\n$\n74\n \n$\n1\n \n2025\n85\n \n1\n \n2026\n82\n \n1\n \n2027\n87\n \n1\n \n2028\n92\n \n1\n \n2029-2033\n500\n \n4\n \nThe Company expects to contribute $\n39\n million and \nnil\n to its pension plans and other postretirement plans, respectively, in 2024.\nDefined Contribution Plans\nThe Company\u2019s U.S. employees are generally eligible to participate in the Ameriprise Financial 401(k) Plan (the \u201c401(k) Plan\u201d). The 401(k) Plan allows eligible\nemployees to make contributions through payroll deductions up to IRS limits and invest their contributions in one or more of the 401(k) Plan investment options,\nwhich include the Ameriprise Financial Stock Fund. The Company provides a dollar for dollar match up to the first \n5\n% of eligible compensation an employee\ncontributes on a pretax and/or Roth 401(k) basis for each annual period. Effective April 2020, employees not eligible to participate in the Retirement Plan will receive a\n2\n% company contribution to their 401(k) Plan once they become eligible for contributions.\nUnder the 401(k) Plan, employees become eligible for contributions under the plan during the pay period they reach \n60\n days of service. Match contributions are fully\nvested after \nfive years\n of service, vesting ratably over the first \nfive years\n of service, or upon retirement at or after age 65, disability or death while employed. The\nCompany\u2019s defined contribution plan expense was $\n67\n million, \n$\n67\n million and $\n59\n million for the years ended December 31, 2023, 2022 and 2021, respectively.\nEmployees outside the U.S. who are not covered by the 401(k) may be covered by local defined contribution plans which are subject to applicable laws and rules of\nthe country where the plan is administered. The Company\u2019s expense related to defined contribution plans outside the U.S. was $\n16\n million, $\n8\n million and $\n8\n million\nfor the years ended December 31, 2023, 2022 and 2021, respectively.\n26. \nCommitments and Contingencies\nCommitments\nThe following table presents the Company\u2019s funding commitments as of December 31:\n2023\n2022\n(in millions)\nCommercial mortgage loans\n$\n17\n \n$\n1\n \nProperty funds\n27\n \n26\n \nPledged asset lines of credit\n1,864\n \n1,448\n \nTotal funding commitments\n$\n1,908\n \n$\n1,475\n \nContingencies\nThe Company and its subsidiaries are involved in the normal course of business in legal proceedings which include regulatory inquiries, arbitration and litigation,\nincluding class actions, concerning matters arising in connection with the conduct of its activities as a diversified financial services firm. These include proceedings\nspecific to the Company as well as proceedings generally applicable to business practices in the industries in which it operates. The Company can also be subject to\nlegal proceedings arising out of its general business activities, such as its investments, contracts, leases and employment relationships. Uncertain economic\nconditions, heightened and sustained volatility in the financial markets and significant financial reform legislation may increase the likelihood that clients and other\npersons or regulators may present or threaten legal claims or that regulators increase the scope or frequency of examinations of the Company or the financial services\nindustry generally.\n164", "298b1861-a9f2-4b58-afa1-95a12295364f": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nAs with other financial services firms, the level of regulatory activity and inquiry concerning the Company\u2019s businesses remains elevated. From time to time, the\nCompany receives requests for information from, and/or has been subject to examination or claims by, the SEC, the Financial Industry Regulatory Authority, the OCC,\nthe U.K. Financial Conduct Authority, the Federal Reserve Board, state insurance and securities regulators, state attorneys general and various other domestic and\nforeign governmental and quasi-governmental authorities on behalf of themselves or clients concerning the Company\u2019s business activities and practices, and the\npractices of the Company\u2019s financial advisors. The Company typically has numerous pending matters which include information requests, exams or inquiries\nregarding certain subjects, including from time to time: sales and distribution of, and disclosure practices related to, mutual and other pooled funds, exchange traded\nfunds, private funds, segregated accounts, annuities, equity and fixed income securities, real estate investment trusts, insurance products, banking products and\nfinancial advice offerings, including managed accounts; wholesaler activity; supervision of the Company\u2019s financial advisors and other associated persons;\nadministration of insurance and annuity claims; security of client information; trading activity and the Company\u2019s monitoring and supervision of such activity;\nrecordkeeping requirements; and transaction monitoring systems and controls. The Company is cooperating with the applicable regulators. In connection with one\nsuch matter, the Company has responded to SEC document and information requests regarding the preservation of certain business-related communications sent on\nelectronic messaging platforms that have not been approved by the Company. During 2023, the Company recorded a $\n50\n million accrual for this matter within our\nintroducing broker dealer subsidiary. The Company has reached an agreement in principle with the Staff, subject to Commission approval, that it believes resolves\nthis matter.\nThese pending matters are subject to uncertainties and, as such, it is inherently difficult to determine whether any loss is probable or even reasonably possible, or to\nreasonably estimate the amount of any loss that may result from such matters. The Company cannot predict with certainty if, how, or when any such proceedings will\nbe initiated or resolved. Matters frequently need to be more developed before a potential loss or range of loss can be reasonably estimated for any matter. An\nadverse outcome in any matter could result in an adverse judgment, a settlement, fine, penalty, or other sanction, and may lead to further claims, examinations, or\nadverse publicity each of which could have a material adverse effect on the Company\u2019s consolidated results of operations, financial condition, or liquidity.\nIn accordance with applicable accounting standards, the Company establishes an accrued liability for contingent litigation and regulatory matters when those\nmatters present loss contingencies that are both probable and can be reasonably estimated. The Company discloses the nature of the contingency when management\nbelieves there is at least a reasonable possibility that the outcome may be material to the Company\u2019s consolidated financial statements and, where feasible, an\nestimate of the possible loss. In such cases, there still may be an exposure to loss in excess of any amounts reasonably estimated and accrued. When a loss\ncontingency is not both probable and reasonably estimable, the Company does not establish an accrued liability, but continues to monitor, in conjunction with any\noutside counsel handling a matter, further developments that would make such loss contingency both probable and reasonably estimable. Once the Company\nestablishes an accrued liability with respect to a loss contingency, the Company continues to monitor the matter for further developments that could affect the\namount of the accrued liability that has been previously established, and any appropriate adjustments are made each quarter.\nGuaranty Fund Assessments\nRiverSource Life and RiverSource Life of NY are required by law to be a member of the guaranty fund association in every state where they are licensed to do\nbusiness. In the event of insolvency of one or more unaffiliated insurance companies, the Company could be adversely affected by the requirement to pay\nassessments to the guaranty fund associations. The Company projects its cost of future guaranty fund assessments based on estimates of insurance company\ninsolvencies provided by the National Organization of Life and Health Insurance Guaranty Associations and the amount of its premiums written relative to the\nindustry-wide premium in each state. The Company accrues the estimated cost of future guaranty fund assessments when it is considered probable that an\nassessment will be imposed, the event obligating the Company to pay the assessment has occurred and the amount of the assessment can be reasonably estimated.\nThe Company has a liability for estimated guaranty fund assessments and a related premium tax asset.", "6855ea38-8395-4223-a5d8-714c5bc1007e": "In the event of insolvency of one or more unaffiliated insurance companies, the Company could be adversely affected by the requirement to pay\nassessments to the guaranty fund associations. The Company projects its cost of future guaranty fund assessments based on estimates of insurance company\ninsolvencies provided by the National Organization of Life and Health Insurance Guaranty Associations and the amount of its premiums written relative to the\nindustry-wide premium in each state. The Company accrues the estimated cost of future guaranty fund assessments when it is considered probable that an\nassessment will be imposed, the event obligating the Company to pay the assessment has occurred and the amount of the assessment can be reasonably estimated.\nThe Company has a liability for estimated guaranty fund assessments and a related premium tax asset. As of December 31, 2023 and 2022, the estimated liability was\n$\n34\n million and $\n12\n million, respectively. As of December 31, 2023 and 2022, the related premium tax asset was $\n29\n million and $\n10\n million, respectively. The expected\nperiod over which guaranty fund assessments will be made and the related tax credits recovered is not known.\n27. \nRelated Party Transactions\nThe Company may engage in transactions in the ordinary course of business with significant shareholders or their subsidiaries, between the Company and its\ndirectors and officers or with other companies whose directors or officers may also serve as directors or officers for the Company or its subsidiaries. The Company\ncarries out these transactions on customary terms.\nThe Company\u2019s executive officers and directors may have transactions with the Company or its subsidiaries involving financial products and insurance services. All\nobligations arising from these transactions are in the ordinary course of the Company\u2019s business and are on the same terms in effect for comparable transactions with\nthe general public. Such obligations involve normal risks of collection and do not have features or terms that are unfavorable to the Company or its subsidiaries.\n165", "d9724d7e-98be-4d35-b3e3-6ef5cc384413": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\nThese transactions have not had a material impact on the Company\u2019s consolidated results of operations or financial condition.\n28. \nSegment Information\nThe Company\u2019s \nfour\n reporting segments are Advice & Wealth Management, Asset Management, Retirement & Protection Solutions and Corporate & Other.\nThe accounting policies of the segments are the same as those of the Company, except for operating adjustments defined below, the method of capital allocation, the\naccounting for gains (losses) from intercompany revenues and expenses and not providing for income taxes on a segment basis.\nThe largest source of intersegment revenues and expenses is retail distribution services, where segments are charged transfer pricing rates that approximate arm\u2019s\nlength market prices for distribution through the Advice & Wealth Management segment. The Advice & Wealth Management segment provides distribution\nservices for affiliated and non-affiliated products and services. The Asset Management segment provides investment management services for the Company\u2019s\nowned assets and client assets, and accordingly charges investment and advisory management fees to the other segments. All intersegment activity is eliminated in\nthe Company\u2019s consolidated results.\nAll costs related to shared services are allocated to the segments based on a rate times volume or fixed basis.\nThe Advice & Wealth Management segment provides financial planning and advice, as well as full-service brokerage services, primarily to retail clients through the\nCompany\u2019s advisors. These services are centered on long-term, personal relationships between the Company\u2019s advisors and its clients and focus on helping clients\nachieve their financial goals. The Company\u2019s advisors provide a distinctive approach to financial planning and have access to a broad selection of both affiliated and\nnon-affiliated products to help clients meet their financial needs and goals. A significant portion of revenues in this segment are fee-based and driven by the level of\nclient assets, which is impacted by both market movements and net asset flows. The Company also earns net investment income on owned assets primarily from\ncertificate and banking products. This segment earns revenues (distribution fees) for distributing non-affiliated products and intersegment revenues (distribution\nfees) for distributing the Company\u2019s affiliated products and services provided to its retail clients. Intersegment expenses for this segment include expenses for\ninvestment management services provided by the Asset Management segment.\nThe Asset Management segment provides investment management, advice and products to retail, high net worth and institutional clients on a global scale through\nthe Columbia Threadneedle Investments\n brand, which represents the combined capabilities, resources and reach of Columbia Management Investment\nAdvisers, LLC (\u201cColumbia Management\u201d) and Threadneedle, including the BMO Global Asset Management (EMEA) business acquired in 2021. Columbia\nManagement primarily provides products and services in the U.S. and Threadneedle primarily provides products and services internationally. Additional subsidiaries\nbeyond Columbia Management and Threadneedle are also included in our Asset Management segment. The Company offers U.S. retail clients with a range of\nproducts through both unaffiliated third-party financial institutions and the Advice & Wealth Management segment. The Company provides institutional products\nand services through its institutional sales force. Retail products for non-U.S. investors are primarily distributed through third-party financial institutions and\nunaffiliated financial advisors. Retail products include U.S. mutual funds and their non-U.S. equivalents, exchange-traded funds and variable product funds\nunderlying insurance and annuity separate accounts. Institutional asset management services are designed to meet specific client objectives and may involve a range\nof products, including those that focus on traditional asset classes, separately managed accounts, individually managed accounts, CLOs, hedge fund or alternative\nstrategies, collective funds and property and infrastructure funds. CLOs, hedge fund or alternative strategies and certain private funds are often classified as\nalternative assets. Revenues in this segment are primarily earned as fees based on managed asset balances, which are impacted by market movements, net asset\nflows, asset allocation and product mix. The Company may also earn performance fees from certain accounts where investment performance meets or exceeds certain\npre-identified targets. The Asset Management segment also provides intercompany asset management services for Ameriprise Financial subsidiaries. The fees for all\nsuch services are reflected within the Asset Management segment results through intersegment transfer pricing. Intersegment expenses for this segment include\ndistribution expenses for services provided by the Advice & Wealth Management and Retirement & Protection Solutions segments.\nThe Retirement & Protection Solutions segment includes Retirement Solutions (variable annuities and payout annuities) and Protection Solutions (life and disability\nincome insurance). Retirement Solutions provides variable annuity products of RiverSource Life companies to individual clients. The Company provides variable\nannuity products through its advisors.", "ba268c1d-3787-4dc5-9a07-1068fff8baaa": "Revenues in this segment are primarily earned as fees based on managed asset balances, which are impacted by market movements, net asset\nflows, asset allocation and product mix. The Company may also earn performance fees from certain accounts where investment performance meets or exceeds certain\npre-identified targets. The Asset Management segment also provides intercompany asset management services for Ameriprise Financial subsidiaries. The fees for all\nsuch services are reflected within the Asset Management segment results through intersegment transfer pricing. Intersegment expenses for this segment include\ndistribution expenses for services provided by the Advice & Wealth Management and Retirement & Protection Solutions segments.\nThe Retirement & Protection Solutions segment includes Retirement Solutions (variable annuities and payout annuities) and Protection Solutions (life and disability\nincome insurance). Retirement Solutions provides variable annuity products of RiverSource Life companies to individual clients. The Company provides variable\nannuity products through its advisors. Revenues for the Company\u2019s variable annuity products are primarily earned as fees based on underlying account balances,\nwhich are impacted by both market movements and net asset flows. The Company also earns net investment income on general account assets supporting reserves\nfor non-life contingent payout annuities and for certain guaranteed benefits offered with variable annuities and on capital supporting the business. Revenues for the\nCompany\u2019s life contingent payout annuities are earned as premium revenue. Protection Solutions offers a variety of products to address the protection and risk\nmanagement needs of the Company\u2019s retail clients including life and DI insurance. Life and DI products are primarily provided through the Company\u2019s advisors. The\nCompany issues insurance policies through its RiverSource Life companies. The primary sources of revenues for Protection Solutions are premiums, fees and charges\nthat the Company receives to assume insurance-related risk. The Company earns net investment income on owned assets supporting\n\u00ae\n166", "53631a9e-0832-4bd5-8a89-cf1559fa54b8": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\ninsurance reserves and capital supporting the business. The Company also receives fees based on the level of the RiverSource Life companies\u2019 separate account\nassets supporting VUL investment options. Intersegment revenues for this segment reflect fees paid by the Asset Management segment for marketing support and\nother services provided in connection with the availability of variable insurance trust funds under variable annuity contracts and VUL contracts. Intersegment\nexpenses for this segment include distribution expenses for services provided by the Advice & Wealth Management segment, as well as expenses for investment\nmanagement services provided by the Asset Management segment.\nThe Corporate & Other segment consists of net investment income or loss on corporate level assets, including excess capital held in the Company\u2019s subsidiaries and\nother unallocated equity and other revenues as well as unallocated corporate expenses. The Corporate & Other segment also includes the results of the Company\u2019s\nclosed blocks of long term care insurance and fixed annuity and fixed indexed annuity business. The Corporate & Other segment also includes revenues and\nexpenses of consolidated investment entities, which are excluded on an operating basis. Revenues for the Company\u2019s fixed deferred annuity products are primarily\nearned as net investment income on the RiverSource Life companies\u2019 general account assets supporting fixed account balances, with profitability significantly\nimpacted by the spread between net investment income earned and interest credited on the fixed account balances.\nManagement uses segment adjusted operating measures in goal setting, as a basis for determining employee compensation and in evaluating performance on a basis\ncomparable to that used by some securities analysts and investors. Consistent with GAAP accounting guidance for segment reporting, adjusted operating earnings\nis the Company\u2019s measure of segment performance. Adjusted operating earnings should not be viewed as a substitute for GAAP pretax income. The Company\nbelieves the presentation of segment adjusted operating earnings, as the Company measures it for management purposes, enhances the understanding of its\nbusiness by reflecting the underlying performance of its core operations and facilitating a more meaningful trend analysis.\nManagement excludes mean reversion related impacts from the Company\u2019s adjusted operating measures. The mean reversion related impact is defined as the impact\non VUL products for the difference between assumed and updated separate account investment performance on the reinsurance accrual and additional insurance\nbenefit reserves.\nEffective in the third quarter of 2021, management has excluded the impacts of block transfer reinsurance transactions from the adjusted operating measures.\nAdjusted operating earnings is defined as adjusted operating net revenues less adjusted operating expenses. Adjusted operating net revenues and adjusted\noperating expenses exclude net realized investment gains or losses (net of reinsurance accrual); the market impact on non-traditional long-duration products\n(including variable and fixed deferred annuity contracts and UL insurance contracts), net of hedges and reinsurance accrual; mean reversion related impacts (the\nimpact on VUL products for the difference between assumed and updated separate account investment performance on the reinsurance accrual and additional\ninsurance benefit reserves); the market impact of hedges to offset interest rate and currency changes on unrealized gains or losses for certain investments; block\ntransfer reinsurance transaction impacts; gain or loss on disposal of a business that is not considered discontinued operations; integration and restructuring\ncharges; and the impact of consolidating CIEs. The market impact on non-traditional long-duration products includes changes in market risk benefits and embedded\nderivative values caused by changes in financial market conditions, net of changes in economic hedge values and unhedged items including the difference between\nassumed and actual underlying separate account investment performance, fixed income credit exposures, transaction costs and certain policyholder contract\nelections. The market impact also includes certain valuation adjustments made in accordance with FASB Accounting Standards Codification 820, \nFair Value\nMeasurements and Disclosures\n, including the impact on embedded derivative values of discounting projected benefits to reflect a current estimate of the RiverSource\nLife companies\u2019 nonperformance spread.\nConcurrent with the adoption of ASU 2018-12, management no longer excludes adjustments for DAC, DSIC and unearned revenue amortization. Amortization of\nDAC, DSIC and unearned revenue for long-duration contracts are no longer impacted by markets and are now amortized on a constant-level basis.\nThe following tables summarize selected financial information by segment and reconcile segment totals to those reported on the consolidated financial statements:\n \nDecember 31,\n2023\n2022\n(in millions)\nAdvice & Wealth Management\n$\n42,983\n \n$\n35,132\n \nAsset Management\n7,288\n \n7,967\n \nRetirement & Protection Solutions\n108,451\n \n98,901\n \nCorporate & Other\n16,469\n \n16,852\n \nTotal assets\n$\n175,191\n \n$\n158,852\n \n167", "4410d49c-5322-4084-8f83-cf598a02cb73": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\n \nYears Ended December 31,\n2023\n2022\n2021\n(in millions)\nAdjusted operating net revenues:\nAdvice & Wealth Management\n$\n9,418\n \n$\n8,461\n \n$\n8,021\n \nAsset Management\n3,278\n \n3,506\n \n3,682\n \nRetirement & Protection Solutions\n3,476\n \n3,124\n \n3,230\n \nCorporate & Other\n533\n \n479\n \n487\n \nElimination of segment revenues \n(\n1,318\n)\n(\n1,316\n)\n(\n1,573\n)\nTotal segment adjusted operating net revenues\n15,387\n \n14,254\n \n13,847\n \nAdjustments:\nNet realized investment gains (losses)\n(\n32\n)\n(\n93\n)\n87\n \nMarket impact on non-traditional long-duration products\n2\n \n(\n1\n)\n1\n \nMean reversion related impacts\n\u2014\n \n(\n1\n)\n1\n \nMarket impact of hedges on investments\n\u2014\n \n\u2014\n \n(\n22\n)\nBlock transfer reinsurance transaction impacts\n\u2014\n \n\u2014\n \n(\n644\n)\nRevenue attributable to consolidated investment entities\n178\n \n99\n \n107\n \nTotal net revenues per consolidated statements of operations\n$\n15,535\n \n$\n14,258\n \n$\n13,377\n \n Represents the elimination of intersegment revenues recognized for the years ended December 31, 2023, 2022 and 2021 in each segment as follows: Advice and Wealth Management\n($\n847\n, $\n847\n and $\n1,043\n, respectively); Asset Management ($\n79\n, $\n52\n and $\n50\n, respectively); Retirement & Protection Solutions ($\n411\n, $\n420\n and $\n478\n, respectively); and Corporate\n& Other ($(\n19\n), $(\n3\n) and $\n2\n, respectively).\n \nYears Ended December 31,\n2023\n2022\n2021\n(in millions)\nAdjusted operating earnings:\nAdvice & Wealth Management\n$\n2,851\n \n$\n2,192\n \n$\n1,743\n \nAsset Management\n720\n \n844\n \n1,096\n \nRetirement & Protection Solutions\n685\n \n867\n \n618\n \nCorporate & Other\n(\n320\n)\n(\n306\n)\n(\n289\n)\nTotal segment adjusted operating earnings\n3,936\n \n3,597\n \n3,168\n \nAdjustments:\nNet realized investment gains (losses)\n(\n32\n)\n(\n93\n)\n86\n \nMarket impact on non-traditional long-duration products\n(\n608\n)\n483\n \n464\n \nMean reversion related impacts\n\u2014\n \n(\n1\n)\n1\n \nMarket impact of hedges on investments\n\u2014\n \n\u2014\n \n(\n22\n)\nBlock transfer reinsurance transaction impacts\n\u2014\n \n\u2014\n \n524\n \nIntegration/restructuring charges\n(\n62\n)\n(\n50\n)\n(\n32\n)\nNet income (loss) attributable to consolidated investment entities\n\u2014\n \n(\n5\n)\n(\n4\n)\nPretax income per consolidated statements of operations\n$\n3,234\n \n$\n3,931\n \n$\n4,185\n \n(1)\n(1)\n168", "cb795ccb-4127-45c0-903e-2e2fa7b17dc8": "Index\nAmeriprise Financial, Inc.\nNotes to Consolidated Financial Statements (Continued)\n29. \nQuarterly Financial Data (Unaudited)\n2023\n2022\n12/31\n9/30\n6/30\n3/31\n12/31\n9/30\n6/30\n3/31\n(in millions, except per share data)\nNet revenues\n$\n3,992\n \n$\n3,925\n \n$\n3,876\n \n$\n3,742\n \n$\n3,663\n \n$\n3,484\n \n$\n3,486\n \n$\n3,625\n \nPretax income\n494\n \n1,117\n \n1,127\n \n496\n \n817\n \n1,335\n \n773\n \n1,006\n \nNet income\n$\n377\n \n$\n872\n \n$\n890\n \n$\n417\n \n$\n649\n \n$\n1,061\n \n$\n614\n \n$\n825\n \nEarnings per share:\nBasic\n$\n3.64\n \n$\n8.31\n \n$\n8.36\n \n$\n3.86\n \n$\n5.96\n \n$\n9.60\n \n$\n5.47\n \n$\n7.26\n \nDiluted\n$\n3.57\n \n$\n8.14\n \n$\n8.21\n \n$\n3.79\n \n$\n5.83\n \n$\n9.41\n \n$\n5.37\n \n$\n7.10\n \nWeighted average common shares outstanding:\nBasic\n103.5\n \n104.9\n \n106.4\n \n107.9\n \n108.9\n \n110.5\n \n112.3\n \n113.7\n \nDiluted\n105.7\n \n107.1\n \n108.4\n \n110.0\n \n111.4\n \n112.7\n \n114.4\n \n116.2\n \nCash dividends declared per common share\n$\n1.35\n \n$\n1.35\n \n$\n1.35\n \n$\n1.25\n \n$\n1.25\n \n$\n1.25\n \n$\n1.25\n \n$\n1.13\n \n169", "6362b60a-0c88-495e-95fc-140f8255bc85": "Index\nAmeriprise Financial, Inc.\nItem 9. \nChanges in and Disagreements with Accountants on Accounting and Financial Disclosure\nNone.\nItem 9A. \nControls and Procedures\nDisclosure Controls and Procedures\nWe maintain disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e) of the Securities Exchange Act of 1934, as amended (the \u201cExchange\nAct\u201d) designed to provide reasonable assurance that the information required to be reported in the Exchange Act filings is recorded, processed, summarized and\nreported within the time periods specified in and pursuant to U.S. Securities and Exchange Commission (\u201cSEC\u201d) regulations, including controls and procedures\ndesigned to ensure that this information is accumulated and communicated to our management, including our principal executive officer and principal financial officer,\nas appropriate, to allow timely decisions regarding the required disclosure. It should be noted that, because of inherent limitations, our Company\u2019s disclosure\ncontrols and procedures, however well designed and operated, can provide only reasonable, and not absolute, assurance that the objectives of the disclosure\ncontrols and procedures are met.\nOur management, under the supervision and with the participation of our principal executive officer and principal financial officer, evaluated the effectiveness of the\ndisclosure controls and procedures as of the end of the period covered by this report. Based upon that evaluation, our principal chief executive officer and principal\nfinancial officer have concluded that our disclosure controls and procedures were effective at a reasonable level of assurance as of December 31, 2023.\nChanges in Internal Control over Financial Reporting\nThere have not been any changes in our internal control over financial reporting (as such term is defined in Rules 13a-15(f) and 15d-15(f) under the Exchange\nAct) during the fourth fiscal quarter of the year to which this report relates that have materially affected, or are reasonably likely to materially affect, our internal\ncontrol over financial reporting.\nManagement\u2019s Report on Internal Control Over Financial Reporting\nOur management is responsible for establishing and maintaining adequate internal control over financial reporting for the Company.\nThe Company\u2019s internal control over financial reporting is a process designed by, or under the supervision of, the Company\u2019s principal executive and principal\nfinancial officers and effected by the Company\u2019s Board of Directors, management and other personnel to provide reasonable assurance regarding the reliability of\nfinancial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles in the United States\nof America, and includes those policies and procedures that:\n\u2022\nPertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the Company;\n\u2022\nProvide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted\naccounting principles, and that receipts and expenditures of the Company are being made only in accordance with authorizations of management and directors of\nthe Company; and\n\u2022\nProvide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of the Company\u2019s assets that could have a\nmaterial effect on the financial statements.\nBecause of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of\neffectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with\nthe policies or procedures may deteriorate.\nThe Company\u2019s management, with the participation of our principal executive officer and principal financial officer, assessed the effectiveness of the Company\u2019s\ninternal control over financial reporting as of December 31, 2023. In making this assessment, the Company\u2019s management used the criteria set forth in \nInternal\nControl \u2014 Integrated Framework (2013)\n issued by the Committee of Sponsoring Organizations of the Treadway Commission.\nBased on management\u2019s assessment and those criteria, we conclude that, as of December 31, 2023, the Company\u2019s internal control over financial reporting is\neffective.\nPricewaterhouseCoopers LLP, the Company\u2019s independent registered public accounting firm, has issued an audit report on the effectiveness of the Company\u2019s\ninternal control over financial reporting as of December 31, 2023.\nItem 9B. \nOther Information\nDuring the three months ended December 31, 2023, no director or officer of the Company \nadopted\n, modified or \nterminated\n a \u201cRule 10b5-1 trading arrangement\u201d or\n\u201cnon-Rule 10b5-1 trading arrangement,\u201d as each term is defined in Item 408(a) of Regulation S-K.\nItem 9C. \nDisclosure Regarding Foreign Jurisdictions that Prevent Inspections\nNone.\n170", "f8d92110-a4aa-422e-a223-39aecc82579b": "Index\nAmeriprise Financial, Inc.\nPART III.\nItem 10. \nDirectors, Executive Officers and Corporate Governance\nThe following portions of the Proxy Statement are incorporated herein by reference:\n\u2022\ninformation included under the caption \u201cCorporate Governance-Item 1-Election of the Eight Director Nominees\u201d;\n\u2022\ninformation included under the caption \u201cInformation About the Annual Meeting and Voting-Requirements and Deadlines for Submission of Shareholder\nProposals or Nomination of Directors for the 2025 Annual Meeting\u201d;\n\u2022\ninformation under the caption \u201cCorporate Governance-Corporate Governance Documents and Policies-Codes of Conduct\u201d;\n\u2022\ninformation under the caption \u201cCorporate Governance-Item 1-Election of the Eight Director Nominees-Year-Round Review of Board Composition and\nSuccession\u201d;\n\u2022\ninformation included under the caption \u201cCorporate Governance-Committees of the Board\u201d;\n\u2022\ninformation included under the caption \u201cCorporate Governance-Committees of the Board-Audit and Risk Committee\u201d;\n\u2022\ninformation included under the caption \u201cCorporate Governance-Committees of the Board-Audit Committee-Audit and Risk Committee Financial Experts\u201d; and\n\u2022\ninformation under the caption \u201cDelinquent Section 16(a) Reports\u201d.\nEXECUTIVE LEADERSHIP TEAM\nSet forth below is a list of the members of our Executive Leadership Team as of the date this Annual Report on Form 10-K has been filed with the SEC. Also included\nin this list is Dawn M. Brockman, our principal accounting officer. Each such person\u2019s age is indicated by the number in parentheses next to his or her name.\nEach individual with an asterisk next to his or her name has been designated as an \u201cexecutive officer\u201d for purposes of the Exchange Act. None of the below\nindividuals have any family relationship with any other member of the Executive Leadership Team or our principal accounting officer, and none of such individuals\nbecame a member of the Executive Leadership Team pursuant to any arrangement or understanding with any other person. Each executive officer has been elected to\nserve until the next annual election of officers or until his or her successor is elected and qualified.\n*James M. Cracchiolo-Chairman and Chief Executive Officer, Ameriprise Financial\nMr. Cracchiolo (65) has been our Chairman and Chief Executive Officer since September 2005 when the Company completed its spinoff from American Express. Prior\nto his current role, Mr. Cracchiolo held a number of senior-level positions at American Express, including group president of American Express Global Financial\nServices (2000 - 2005); CEO and president of American Express Financial Corporation (AEFC) (2000 - 2005) and chairman of AEFC (2001 - 2005); chairman of American\nExpress Bank Ltd. (2000 - 2005); president and CEO of Travel Related Services International (TRS) (1998 - 2000); president of Global Network Services (1997 -1998);\nsenior vice president of TRS Quality, Global Reengineering (1993 - 1997); and executive vice president and chief financial officer of Shearson Lehman Brothers (then a\nunit of American Express) (1990 -1993). In addition, Mr. Cracchiolo previously served on the boards of directors of the American Council of Life Insurers, the\nFinancial Services Roundtable and on the board of advisors to the March of Dimes Foundation.\n*Walter S. Berman-Executive Vice President and Chief Financial Officer\nMr. Berman (81) has been our Executive Vice President and Chief Financial Officer since September 2005. Prior to that, Mr. Berman served as Executive Vice President\nand Chief Financial Officer of AEFC, a position he held since January 2003. From April 2001 to January 2004, Mr. Berman served as Corporate Treasurer of American\nExpress.\nKelli A. Hunter Petruzillo-Executive Vice President of Human Resources\nMs. Hunter Petruzillo (62) has been our Executive Vice President of Human Resources since September 2005. Prior to that, Ms. Hunter Petruzillo served as Executive\nVice President of Human Resources of AEFC since joining our company in June 2005. Prior to joining AEFC, Ms. Hunter Petruzillo was Senior Vice President-Global\nHuman Capital for Crown Castle International Corporation in Houston, Texas. Prior to that, she held a variety of senior level positions in human resources for\nSoftware Spectrum, Inc., Mary Kay, Inc., as well as Morgan Stanley Inc. and Bankers Trust New York Corporation.", "7da7a72c-82ec-4bdc-8467-251d49cf700e": "From April 2001 to January 2004, Mr. Berman served as Corporate Treasurer of American\nExpress.\nKelli A. Hunter Petruzillo-Executive Vice President of Human Resources\nMs. Hunter Petruzillo (62) has been our Executive Vice President of Human Resources since September 2005. Prior to that, Ms. Hunter Petruzillo served as Executive\nVice President of Human Resources of AEFC since joining our company in June 2005. Prior to joining AEFC, Ms. Hunter Petruzillo was Senior Vice President-Global\nHuman Capital for Crown Castle International Corporation in Houston, Texas. Prior to that, she held a variety of senior level positions in human resources for\nSoftware Spectrum, Inc., Mary Kay, Inc., as well as Morgan Stanley Inc. and Bankers Trust New York Corporation.\n*Dawn M. Brockman-Senior Vice President and Corporate Controller (Principal Accounting Officer)\nMs. Brockman (51) has been our Senior Vice President and Controller since September 2022, and previously was Interim Controller from July 2022 until September\n2022. Prior to that, Ms. Brockman served as Vice President Finance - Controllership since November 2019 until July 2022 and the Vice President Finance - Advice &\nWealth Management from October 2013 to November 2019. Ms. Brockman joined the Ameriprise in 1994.\nDeirdre D. McGraw-Executive Vice President-Marketing, Communications and Community Relations\nMs. McGraw (53) has been our Executive Vice President-Marketing, Communications and Community Relations since May 2014. Previously, Ms. McGraw served as\nExecutive Vice President, Corporate Communications and Community Relations since February 2010. Prior to that, Ms. McGraw served as Senior Vice President-\nCorporate Communications and Community Relations since February 2007 and as Vice President-Corporate Communications since May 2006. Prior thereto,\nMs. McGraw served as Vice\n171", "a042fef2-25ea-40eb-b834-6c2b43a55cbd": "Index\nAmeriprise Financial, Inc.\nPresident-Business Planning and Communications for the Group President, Global Financial Services at American Express.\n*Gerard Smyth-Executive Vice President and Chief Information Officer\nMr. Smyth (62) has been our Chief Information Officer since August 2020. Prior to that date, Mr. Smyth served as Executive Vice President-Technology for\nAmeriprise\u2019s AWM Business since August 2013. Prior to joining Ameriprise in 2002, he held senior delivery and architectural roles with American Express, the\nAustralian Stock Exchange and Qantas Airways. He has a bachelor\u2019s degree in electronics engineering from Imperial College London and an MBA from the\nUniversity of Sydney.\n*Heather J. Melloh-Executive Vice President and General Counse\nl\nMs. Melloh (52) has been our Executive Vice President - General Counsel since June 2022. Ms. Melloh previously served as Senior Vice President & Assistant\nGeneral Counsel since January 2020 to June 2022. From January 2017 until January 2020, Ms. Melloh was Vice President & Lead Chief Counsel. Ms. Melloh joined\nAmeriprise in 2005 and had previously been a partner at the law firm of Dorsey & Whitney, LLP in Minneapolis. She is active as a leader in many industry groups and\nwithin Ameriprise serves on the board of the Political Action Committee.\nPatrick H. O\u2019Connell-Executive Vice President, Ameriprise Advisor Group & Ameriprise Financial Institutions Group\nMr. O'Connell (53) has been our Executive Vice President of the Ameriprise Advisor Group since February 2013. Prior to that, he was Senior Vice President for the\nemployee advisor business in the eastern half of the United States and in other senior leadership positions within Ameriprise before that. Mr. O'Connell earned his\nM.B.A. and B.S. from Widener University.\n*Joseph E. Sweeney-President-Advice & Wealth Management, Products and Service Delivery\nMr. Sweeney (62) has been our President-Advice & Wealth Management, Products and Service Delivery since June 2012. Prior to that time, Mr. Sweeney served as\nPresident-Advice & Wealth Management, Products and Services since May 2009 and as President-Financial Planning, Products and Services since 2005. Prior to that,\nMr. Sweeney served as Senior Vice President and General Manager of Banking, Brokerage and Managed Products of AEFC since April 2002. Prior thereto, he served\nas Senior Vice President and Head, Business Transformation, Global Financial Services of American Express from March 2001 until April 2002. Mr. Sweeney is on the\nboard of directors of the Securities Industry and Financial Markets Association and the American Securities Association.\nWilliam J. (Bill) Williams-Executive Vice President, Ameriprise Franchise Group\nMr. Williams (56) has been our Executive Vice President, Ameriprise Franchise Group since February 2013. Mr. Williams joined Ameriprise in 1989 as an advisor. Mr.\nWilliams has held a number of management roles within Ameriprise before assuming his current position. Mr. Williams is a graduate of Bentley University with a B.A.\nin Finance.\n*Gumer Alvero-President-Insurance & Annuities\nMr. Alvero (56) has been our President - Insurance and Annuities since February 2022. Mr. Alvero previously served as Executive Vice President and General\nManager -Insurance and Annuities from April 2021 to February 2022 and Executive Vice President and General Manager - Annuities from April 2010 to April 2021. Mr.\nAlvero joined Ameriprise in 1989. He earned a B.S. in business from the University of Minnesota.\n*\n \nWilliam Davies-Executive Vice President and Global Chief Investment Officer\nMr. Davies (60) has been our Executive Vice President and Global Chief Investment Officer since February 2022. Mr. Davies previously served as Global Head of\nEquities from July 2017 until February 2022. Mr. Davies joined Threadneedle Asset Management Limited at its inception in 1994 and previously held roles as head of\nEMEA equities, head of global equities and head of European equities. He has been a member of the investment community since 1985 and earned a B.A. in\neconomics from Exeter University.", "83dc7914-e4be-45e2-9d10-1bea22adde6d": "Mr.\nAlvero joined Ameriprise in 1989. He earned a B.S. in business from the University of Minnesota.\n*\n \nWilliam Davies-Executive Vice President and Global Chief Investment Officer\nMr. Davies (60) has been our Executive Vice President and Global Chief Investment Officer since February 2022. Mr. Davies previously served as Global Head of\nEquities from July 2017 until February 2022. Mr. Davies joined Threadneedle Asset Management Limited at its inception in 1994 and previously held roles as head of\nEMEA equities, head of global equities and head of European equities. He has been a member of the investment community since 1985 and earned a B.A. in\neconomics from Exeter University.\nDavid Logan-Head of EMEA and Global Business Operations, Columbia Threadneedle Investments\nMr. Logan (54) has been our Head of EMEA and Global Business Operations for Columbia Threadneedle Investments since November 2023. Prior to that time, Mr.\nLogan had served as Global Chief Operating Officer at Columbia Threadneedle Investments since November 2021. Prior to that, Mr. Logan served as Head of\nDistribution from 2016 to 2021 and as Chief Operating Officer, EMEA from 2014 to 2016 for BMO Global Asset Management. He has worked in the financial services\nindustry since 1994 and earned a B.A. in accounting and economics and is a member of the Institute of Chartered Accountants in Scotland.\n*William F. (Ted) Truscott-CEO-Global Asset Management\nMr. Truscott (63) has been our CEO - Global Asset Management since September 2012. Prior to that time, Mr. Truscott had served as CEO - U.S. Asset Management\nand President, Annuities since May 2010, as President - U.S. Asset Management, Annuities and Chief Investment Officer since February 2008 and as President - U.S.\nAsset Management and Chief Investment Officer since September 2005. Prior to that, Mr. Truscott served as Senior Vice President and Chief Investment Officer of\nAEFC, a position he held since he joined the company in September 2001.\nCORPORATE GOVERNANCE\nWe have adopted a set of Corporate Governance Principles and Categorical Standards of Director Independence which, together with the charters of the three\nstanding committees of the Board of Directors (Audit and Risk; Compensation and Benefits; and Nominating\n172", "07f3dcaf-2acb-4727-8469-234d6a49bff1": "Index\nAmeriprise Financial, Inc.\nand Governance) and our Code of Conduct (which constitutes the Company\u2019s code of ethics), provide the framework for the governance of our company. A complete\ncopy of our Corporate Governance Guidelines and Categorical Standards of Director Independence, the charters of each of the Board committees, the Code of\nConduct (which applies not only to our Chief Executive Officer, Chief Financial Officer and Controller, but also to all other employees of our company) and the Code\nof Business Conduct for the Members of the Board of Directors may be found by clicking the \u201cCorporate Governance\u201d link found on our Investor Relations website\nat ir.ameriprise.com. You may also access our Investor Relations website through our main website at ameriprise.com by clicking on the \u201cInvestor Relations\u201d link,\nwhich is located at the bottom of the page. (Information from such sites is not incorporated by reference into this report.) You may also obtain free copies of these\nmaterials by writing to our Corporate Secretary at our principal executive offices.\nItem 11. \nExecutive Compensation\nThe following portions of the Proxy Statement are incorporated herein by reference:\n\u2022\ninformation under the caption \u201cCorporate Governance-Committees of the Board-Compensation and Benefits Committee-Compensation Committee Interlocks and\nInsider Participation\u201d;\n\u2022\ninformation included under the caption \u201cCompensation and Benefits Committee Report\u201d;\n\u2022\ninformation included under the caption \u201cCompensation Discussion and Analysis\u201d (other than under the heading \u201cPay Versus Performance\u201d), and\n\u2022\ninformation included under the caption \u201cCompensation of Directors.\u201d\nItem 12. \nSecurity Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters\nEquity Compensation Plan Information\n(a)\n(b)\n(c)\nPlan category\nNumber of securities to be\nissued upon exercise of\noutstanding options,\nwarrants and rights\nWeighted-average\nexercise price of\noutstanding options,\nwarrants and rights\nNumber of securities\nremaining available for\nfuture issuance under\nequity compensation plans\n(excluding securities\nreflected in column (a)) \u2013\nshares\nEquity compensation plans approved by security holders\n3,591,592 \n(1)\n$\n177.60 \n12,159,384 \nEquity compensation plans not approved by security holders\n2,959,400 \n(2)\n\u2014 \n1,603,434 \n(3)\nTotal\n6,550,992 \n$\n177.60 \n13,762,818 \n Includes 1,332,609 share units subject to vesting per the terms of the applicable plan which could result in the issuance of common stock. As the terms of these share based awards\ndo not provide for an exercise price, they have been excluded from the weighted average exercise price in column B. The maximum number of PSUs that could be earned under\noutstanding PSU grants is reflected but will not necessarily be earned subject to performance conditions.\n Includes 2,959,400 share units subject to vesting per the terms of the applicable plans which could result in the issuance of common stock. For additional information on the\nCompany\u2019s equity compensation plans see Note 20 \u2014 Share-Based Compensation to our Consolidated Financial Statements in Part II, Item 8 of this Annual Report on Form 10-K.\nThe non-shareholder approved plans consist of the Ameriprise Advisor Group Deferred Compensation Plan and the Ameriprise Financial Franchise Advisor Deferred\nCompensation Plan.\n Consists of 736,852 shares of common stock issuable under the Ameriprise Advisor Group Deferred Compensation Plan, and 866,582 shares of common stock issuable under the\nAmeriprise Financial Franchise Advisor Deferred Compensation Plan. Excludes 3,258,635 shares available for future issuance under the Ameriprise Financial 2008 Employment\nIncentive Equity Award Plan, all of which were cancelled by the Board of Directors on February 23, 2023.\nDescriptions of our equity compensation plans can be found in Note 20 to our Consolidated Financial Statements included in Part II, Item 8 of this Annual Report on\nForm 10-K. Information concerning the market for our common shares and our shareholders can be found in Part II, Item 5 of this Annual Report on Form 10-K. The\ninformation included under the caption \u201cOwnership of Our Common Shares\u201d in the Proxy Statement is incorporated herein by reference.\nItem 13. \nCertain Relationships and Related Transactions, and Director Independence\nThe information under the captions \u201cCorporate Governance-Board Composition-Director Independence,\u201d \u201cCorporate Governance-Board Composition-Independence\nof Committee Members\u201d and \u201cCertain Transactions\u201d in the Proxy Statement is incorporated herein by reference.\nItem 14.", "d4eb35d4-798f-489b-9cdf-5332ab298d5d": "Descriptions of our equity compensation plans can be found in Note 20 to our Consolidated Financial Statements included in Part II, Item 8 of this Annual Report on\nForm 10-K. Information concerning the market for our common shares and our shareholders can be found in Part II, Item 5 of this Annual Report on Form 10-K. The\ninformation included under the caption \u201cOwnership of Our Common Shares\u201d in the Proxy Statement is incorporated herein by reference.\nItem 13. \nCertain Relationships and Related Transactions, and Director Independence\nThe information under the captions \u201cCorporate Governance-Board Composition-Director Independence,\u201d \u201cCorporate Governance-Board Composition-Independence\nof Committee Members\u201d and \u201cCertain Transactions\u201d in the Proxy Statement is incorporated herein by reference.\nItem 14. \nPrincipal Accountant Fees and Services\nThe information set forth under the heading \u201cItem 4-Ratification of Audit and Risk Committee\u2019s Selection of PricewaterhouseCoopers LLP as the Company\u2019s\nIndependent Registered Public Accounting Firm for 2024\u201d, \u201c-Independent Registered Public Accounting Firm Fees\u201d; \u201c-Services to Associated Organizations\u201d; and \u201c-\nPolicy on Pre-Approval of Services Provided by Independent Registered Public Accounting Firm,\u201d in the Proxy Statement is incorporated herein by reference.\n(1)\n(2)\n(3)\n173", "51c6a173-f82f-4aad-9d78-8363956db39b": "Index\nAmeriprise Financial, Inc.\nPART IV.\nItem 15. \nExhibits and Financial Statement Schedules\n(a) 1.\nFinancial Statements:\nThe information required herein has been provided in Item 8, which is incorporated herein by reference.\n2.\nFinancial schedules required to be filed by Item 8 of this form, and by Item 15(b):\nSchedule I-Condensed Financial Information of Registrant (Parent Company Only)\nCondensed Statements of Operations \u2013 December 31, 2023, 2022 and 2021\n180\nCondensed Balance Sheets - December 31, 2023 and 2022\n181\nCondensed Statements of Cash Flows \n\u2013 December 31, 2023, 2022 and 2021\n182\nNotes to Condensed Financial Information of Registrant\n183\nAll other financial schedules are not required under the related instructions, or are inapplicable and therefore have been omitted.\n3.\nExhibits:\nPursuant to the rules and regulations of the Securities and Exchange Commission, we have filed certain agreements as exhibits to this Annual\nReport on Form 10-K. These agreements may contain representations and warranties by the parties. These representations and warranties have\nbeen made solely for the benefit of the other party or parties to such agreements and (i) may have been qualified by disclosures made to such other\nparty or parties, (ii) were made only as of the date of such agreements or such other date(s) as may be specified in such agreements and are subject\nto more recent developments, which may not be fully reflected in our public disclosure, (iii) may reflect the allocation of risk among the parties to\nsuch agreements and (iv) may apply materiality standards different from what may be viewed as material to investors. Accordingly, these\nrepresentations and warranties may not describe our actual state of affairs at the date hereof and should not be relied upon.\nThe following exhibits are filed as part of this Annual Report on Form 10-K. The exhibit numbers followed by an asterisk (*) indicate exhibits\nelectronically filed herewith. All other exhibit numbers indicate exhibits previously filed and are hereby incorporated herein by reference.\nExhibit\nDescription\n3.1\nAmended Restated Certificate of Incorporation of Ameriprise Financial, Inc. (incorporated by reference to Exhibit 3.1 to the Current Report on\nForm 8-K, File No. 1-32525, filed on May 1, 2014).\n3.2\n*\nAmended and Restated Bylaws of Ameriprise Financial, Inc.\n4.1\nDescription of Securities (incorporated by reference to Exhibit 4.1 to the Annual Report on Form 10-K, File No. 1-32525 filed on February 26,\n2020).\n4.2\nForm of Specimen Common Stock Certificate (incorporated by reference to Exhibit 4.1 to Amendment No. 3 to Form 10 Registration Statement,\nFile No. 1-32525, filed on August 19, 2005).\nOther instruments defining the rights of holders of long-term debt securities of the registrant are omitted pursuant to Section (b)(4)(iii)(A) of\nItem 601 of Regulation S-K. The registrant agrees to furnish copies of these instruments to the SEC upon request.\n4.3\nIndenture dated as of October 5, 2005, between Ameriprise Financial, Inc. and U.S. Bank National Association, trustee (incorporated by\nreference to Exhibit 4(a) to the Registration Statement on Form S-3, File No. 333-128834, filed on October 5, 2005).\n4.4\nIndenture dated as of May 5, 2006, between Ameriprise Financial, Inc. and U.S. Bank National Association, trustee (incorporated by reference\nto Exhibit 4.A to the Registration Statement on Form S-3ASR, File No. 333-133860, filed on May 5, 2006).\n4.5\nJunior Subordinated Debt Indenture, dated as of May 5, 2006, between Ameriprise Financial, Inc. and U.S. Bank National Association, trustee\n(incorporated by reference to Exhibit 4.C to the Registration Statement on Form S-3ASR, File No. 333-133860, filed on May 5, 2006).\n4.6\nSubordinated Debt Indenture, dated as of May 5, 2006, between Ameriprise Financial, Inc. and U.S.", "cd9825a0-da68-45b3-9bdd-c15a8c88aba7": "4.4\nIndenture dated as of May 5, 2006, between Ameriprise Financial, Inc. and U.S. Bank National Association, trustee (incorporated by reference\nto Exhibit 4.A to the Registration Statement on Form S-3ASR, File No. 333-133860, filed on May 5, 2006).\n4.5\nJunior Subordinated Debt Indenture, dated as of May 5, 2006, between Ameriprise Financial, Inc. and U.S. Bank National Association, trustee\n(incorporated by reference to Exhibit 4.C to the Registration Statement on Form S-3ASR, File No. 333-133860, filed on May 5, 2006).\n4.6\nSubordinated Debt Indenture, dated as of May 5, 2006, between Ameriprise Financial, Inc. and U.S. Bank National Association, trustee\n(incorporated by reference to Exhibit 4.B to the Registration Statement on Form S-3ASR, File No. 333-133860, filed on May 5, 2006).\n10.1\nTax Allocation Agreement by and between American Express and Ameriprise Financial, Inc., dated as of September 30, 2005 (incorporated by\nreference to Exhibit 10.2 to the Current Report on Form 8-K, File No. 1-32525, filed on October 4, 2005).\n10.2\n\u2020\nAmeriprise Financial 2005 Incentive Compensation Plan, as amended and restated effective April 30, 2014 (incorporated by reference to\nExhibit B to the Proxy Statement for the Annual Meeting of Shareholders held on April 30, 2014, File No. 001-32525, filed on March 17, 2014).\n10.3\n\u2020\nAmeriprise Financial Deferred Compensation Plan, as amended and restated effective January 1, 2012 (incorporated by reference to Exhibit 10.3\nof the Annual Report on Form 10-K, File No. 1-32525, filed on February 24, 2012).\n174", "a0b1fd70-e94d-4fe9-ad5d-06d3cf2f2c16": "Index\nAmeriprise Financial, Inc.\nExhibit\nDescription\n10.4\n\u2020\nAmeriprise Financial Supplemental Retirement Plan, as amended and restated effective October 3, 2017 (incorporated by reference to Exhibit\n10.4 of the Annual Report on Form 10-K, File No. 1-32525, filed on February 23, 2018).\n10.5\n\u2020\nAmeriprise Financial Form of Award Certificate \u2014 Non-Qualified Stock Option Award (incorporated by reference to Exhibit 10.4 to the Current\nReport on Form 8-K, File No. 1-32525, filed on October 4, 2005).\n10.6\n\u2020\nAmeriprise Financial Form of Award Certificate \u2014 Restricted Stock Award (incorporated by reference to Exhibit 10.5 to the Current Report on\nForm 8-K, File No. 1-32525, filed on October 4, 2005).\n10.7\n\u2020\nAmeriprise Financial Form of Award Certificate \u2014 Restricted Stock Unit Award (incorporated by reference to Exhibit 10.6 to the Current Report\non Form 8-K, File No. 1-32525, filed on October 4, 2005).\n10.8\n\u2020\nAmeriprise Financial Long-Term Incentive Award Program Guide (incorporated by reference to Exhibit 10.10 of the Annual Report on Form 10-\nK File No. 1-32525, filed on February 23, 2023).\n10.9\n\u2020\nAmeriprise Financial Performance Cash Unit Plan Supplement to the Long Term Incentive Award Program Guide (incorporated by reference to\nExhibit 10.11 of the Annual Report on Form 10-K File No. 1-32525, filed on February 25, 2022).\n10.10\n\u2020\nAmeriprise Financial Form of Award Certificate \u2014 Performance Cash Unit Plan Award (incorporated by reference to Exhibit 10.12 of the Annual\nReport on Form 10-K File No. 1-32525, filed on February 25, 2016).\n10.11\n\u2020\nAmeriprise Financial Performance Share Unit Plan Supplement to the Long-Term Incentive Award Program Guide (incorporated by reference to\nExhibit 10.13 of the Annual Report on Form 10-K File No. 1-32525, filed on February 25, 2022).\n10.12\n\u2020\nAmeriprise Financial Form of Award Certificate \u2014 Performance Share Unit Plan Award (incorporated by reference to Exhibit 10.14 of the\nAnnual Report on Form 10-K File No. 1-32525, filed on February 25, 2016).\n10.13\n\u2020\nAmeriprise Financial Deferred Share Plan for Outside Directors, as amended and restated effective December 3, 2014 (incorporated by reference\nto Exhibit 10.15 of the Annual Report on Form 10-K File No. 1-32525, filed on February 24, 2015).\n10.14\n\u2020\nCEO Security and Compensation Arrangements (incorporated by reference to Item 1.01 of the Current Report on Form 8-K, File No. 1-32525,\nfiled on October 31, 2005).\n10.15\n\u2020\nAmeriprise Financial Senior Executive Severance Plan, as amended and restated effective January 1, 2012 (incorporated by reference to\nExhibit 10.17 of the Annual Report on Form 10-K, File No. 1-32525, filed on February 24, 2012).\n10.16\n\u2020\nForm of Indemnification Agreement for directors, Chief Executive Officer, Chief Financial Officer and Principal Accounting Officer and any\nother officers designated by the Chief Executive Officer (incorporated by reference to Exhibit 10.1 to the Current Report on Form 8-K, File No. 1-\n32525, filed on April 26, 2012).\n10.17\n\u2020\nAmeriprise Financial Annual Incentive Award Plan, as amended and restated as of January 1, 2009 (incorporated by\nreference to Exhibit 10.1 of the Quarterly Report on Form 10-Q, File No. 1-32525, filed on May 2, 2018).", "d2547cff-1c9b-411f-8ed3-67009efe0720": "1-32525, filed on February 24, 2012).\n10.16\n\u2020\nForm of Indemnification Agreement for directors, Chief Executive Officer, Chief Financial Officer and Principal Accounting Officer and any\nother officers designated by the Chief Executive Officer (incorporated by reference to Exhibit 10.1 to the Current Report on Form 8-K, File No. 1-\n32525, filed on April 26, 2012).\n10.17\n\u2020\nAmeriprise Financial Annual Incentive Award Plan, as amended and restated as of January 1, 2009 (incorporated by\nreference to Exhibit 10.1 of the Quarterly Report on Form 10-Q, File No. 1-32525, filed on May 2, 2018).\n10.18\nFourth Amended and Restated Credit Agreement, dated as of June 11, 2021, among Ameriprise Financial, Inc., as Borrower, the lenders party\nthereto, Wells Fargo Bank, National Association as Administrative Agent, Swingline Lender and Issuing Lender, Bank of America, N.A. and\nCitibank, N.A. as Co-Syndication Agents, and Credit Suisse AG, New York Branch, Goldman Sachs Bank USA, HSBC Bank USA, National\nAssociation, JPMorgan Chase Bank, N.A., U.S. Bank National Association and BMP Harris Bank N.A. as Co-Documentation Agents, and\nWells Fargo Securities, LLC, BofA Securities, Inc. and CitiBank, N,A. as Joint Lead Arrangers and Joint Bookrunners (incorporated by\nreference to Exhibit 10.1 to the Current Report on Form 8-K, File No. 1-32525, filed on June 11, 2021).\n10.19\nFirst Amendment to the Fourth Amended and Restated Credit Agreement, dated as of June 21, 2023, among Ameriprise Financial, Inc., as\nBorrower, the lenders party thereto, Wells Fargo Bank, National Association as Administrative Agent, and Bank of America, N.A., Citibank,\nN.A., Credit Suisse AG, New York Branch, HSBC Bank USA, National Association, JPMorgan Chase Bank, N.A., Goldman Sachs Bank USA,\nU.S. Bank National Association, The Bank of New York Mellon, Barclays Bank PLC, \nBNP Paribas, Societe Generale, and BMO Harris Bank N.A,\nas Lenders (incorporated by reference to Exhibit 10.1 of the Quarterly Report on Form 10-Q File No. 1-32525, filed on August 8, 2023).\n10.20\n\u2020\nThreadneedle Deferral Plan (as amended and restated effective January 1, 2018) (incorporated by reference to Exhibit 10.24 of the Annual\nReport on Form 10-K File No. 1-32525, filed on February 25, 2022).\n10.21\n\u2020\nFirst Amendment to the Threadneedle Deferral Plan (effective December 6, 2018) (incorporated by reference to Exhibit 10.25 of the Annual\nReport on Form 10-K File No. 1-32525, filed on February 25, 2022).\n10.22\n\u2020\nDeferred Stock Unit Award Certificate \n- Threadneedle Deferral Plan (incorporated by reference to Exhibit 10.26 of the Annual Report on Form\n10-K File No. 1-32525, filed on February 25, 2022).\n10.23\n\u2020\nForm of Deferred Stock Unit Award - Threadneedle Deferral Plan (incorporated by reference to Exhibit 10.27 of the Annual Report on Form 10-K\nFile No. 1-32525, filed on February 25, 2022).\n10.24\n\u2020\nSeverance Plan for William Davies (incorporated by reference to Exhibit 10.1 of the Quarterly Report on Form 10-Q File No. 1-32525, filed on\nMay 2, 2023).\n10.25\n\u2020\nAmeriprise Financial 2005 Incentive Compensation Plan, as amended and restated (for awards made after April 26, 2023) (incorporated by\nreference to Exhibit 10.1 to the Current Report on Form 8-K File No. 1-32525, filed on April 28, 2023).\n175", "d818e01f-4689-486b-8161-d5d383903fb2": "Index\nAmeriprise Financial, Inc.\nExhibit\nDescription\n10.26\n\u2020\nDeferred Stock Unit Award Certificate - Threadneedle Deferral Plan (for grants after April 26, 2023) (incorporated by reference to Exhibit 10.2 of\nthe Quarterly Report on Form 10-Q File No. 1-32525, filed on August 8, 2023).\n10.27\n\u2020\nDeferred Stock Option Award Certificate - Threadneedle Deferral Plan (for grants after April 26, 2023) (incorporated by reference to Exhibit 10.3\nof the Quarterly Report on Form 10-Q File No. 1-32525, filed on August 8, 2023).\n10.28\n\u2020\nForm of Deferred Stock Option Award - Threadneedle Deferral Plan (incorporated by reference to Exhibit 10.4 of the Quarterly Report on Form\n10-Q File No. 1-32525, filed on August 8, 2023).\n10.29\n\u2020\nAmeriprise Financial Long-Term Incentive Award Program Guide (for grants after April 26, 2023) (incorporated by reference to Exhibit 10.5 of the\nQuarterly Report on Form 10-Q File No. 1-32525, filed on August 8, 2023).\n10.30\n\u2020\nAmeriprise Financial Performance Cash Unit Plan Supplement to the Long-Term Incentive Award Program Guide (for grants after April 26, 2023)\n(incorporated by reference to Exhibit 10.6 of the Quarterly Report on Form 10-Q, File No. 1-32525, filed on August 8, 2023).\n10.31\n\u2020\nAmeriprise Financial Performance Share Unit Plan Supplement to the Long-Term Incentive Award Program Guide (for grants after April 26, 2023)\n(incorporated by reference to Exhibit 10.7 of the Quarterly Report on Form 10-Q File No. 1-32525, filed on August 8, 2023).\n10.32\n\u2020\nAmeriprise Financial Form of Award Certificate - EMEA Performance Share Unit Plan Award (incorporated by reference to Exhibit 10.8 of the\nQuarterly Report on Form 10-Q File No. 1-32525, filed on August 8, 2023).\n10.\n33\n\u2020*\nAmeriprise Financial Form of Award Certificate - EMEA Performance Share Unit Plan Award (for grants after April 26, 2023).\n10.3\n4\n\u2020*\nAmeriprise Financial Form of Award Certificate - Performance Cash Unit Plan Award (for grants after April 26, 2023).\n10.3\n5\n\u2020*\nAmeriprise Financial Form of Award Certificate - Performance Share Unit Plan Award (for grants after April 26, 2023).\n1\n0.3\n6\n\u2020*\nAmeriprise Financial Form of Award Certificate - Restricted Stock Award (for grants after April 26, 2023).\n1\n0.3\n7\n\u2020*\nAmeriprise Financial Form of Award Certificate - Restricted Stock Unit Award (for grants after April 26, 2023).\n1\n0.3\n8\n\u2020*\nAmeriprise Financial Form of Award Certificate - Non-Qualified Stock Option Award (for grants after April 26, 2023).\n10.39\n\u2020*\nFirst Amendment to the Ameriprise Financial Annual Incentive Award Plan, as amended and restated as of January 1, 2009.\n1\n0.4\n0\n\u2020*\nFirst Amendment to the Ameriprise Financial Senior Executive Severance Plan.\n13\n*\nPortions of the Ameriprise Financial, Inc. 2023 Annual Report to Shareholders, which are furnished solely for the information of the SEC and are\nnot to be deemed \u201cfiled.\u201d\n21\n*\nSubsidiaries of Ameriprise Financial, Inc.\n23\n*\nConsent of PricewaterhouseCoopers LLP, Independent Registered Public Accounting Firm.\n24\n*\nPowers of attorney\n31.1\n*\nCertification of James M. Cracchiolo pursuant to Rule 13a-14(a) promulgated under the Securities Exchange Act of 1934, as amended.\n31.2\n*\nCertification of Walter S. Berman pursuant to Rule 13a-14(a) promulgated under the Securities Exchange Act of 1934, as amended.\n32\n*\nCertification of James M. Cracchiolo and Walter S. Berman pursuant to 18 U.S.C.", "9ebc85dd-3ffa-430c-a06c-595c549b5dd3": "13\n*\nPortions of the Ameriprise Financial, Inc. 2023 Annual Report to Shareholders, which are furnished solely for the information of the SEC and are\nnot to be deemed \u201cfiled.\u201d\n21\n*\nSubsidiaries of Ameriprise Financial, Inc.\n23\n*\nConsent of PricewaterhouseCoopers LLP, Independent Registered Public Accounting Firm.\n24\n*\nPowers of attorney\n31.1\n*\nCertification of James M. Cracchiolo pursuant to Rule 13a-14(a) promulgated under the Securities Exchange Act of 1934, as amended.\n31.2\n*\nCertification of Walter S. Berman pursuant to Rule 13a-14(a) promulgated under the Securities Exchange Act of 1934, as amended.\n32\n*\nCertification of James M. Cracchiolo and Walter S. Berman pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the\nSarbanes-Oxley Act of 2002.\n9\n7\n*\nAmeriprise Financial, Inc. Policy for the Recovery of Erroneously Awarded Compensation.\n101\nThe following materials from Ameriprise Financial, Inc.\u2019s Annual Report on Form 10-K for the year ended December 31, 2023 are formatted in\niXBRL (Inline eXtensible Business Reporting Language): (i) Consolidated Statements of Operations for the years ended December 31, 2023,\n2022 and 2021; (ii) Consolidated Statements of Comprehensive Income for the years ended December 31, 2023, 2022 and 2021; (iii) Consolidated\nBalance Sheets at December 31, 2023 and 2022; (iv) Consolidated Statements of Equity for the years ended December 31, 2023, 2022 and 2021;\n(v) Consolidated Statements of Cash Flows for the years ended December 31, 2023, 2022 and 2021; and (vi) Notes to the Consolidated Financial\nStatements.\n104\nThe cover page from Ameriprise Financial, Inc.\u2019s Annual Report on Form 10-K for the year ended December 31, 2023 is formatted in iXBRL and\ncontained in Exhibit 101.\n* Filed electronically herewith.\n\u2020 Management contract or compensation plan or arrangement\nItem 16. \nForm 10-K Summary\nNone.\n176", "1d705aea-45d8-4ca4-adc5-ecc92e8713e6": "Index\nAmeriprise Financial, Inc.\nSignatures\nPursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the\nundersigned, thereunto duly authorized.\nAMERIPRISE FINANCIAL, INC.\nRegistrant\nDate:\nFebruary 22, 2024\nBy\n/s/ Walter S. Berman\nWalter S. Berman\nExecutive Vice President and Chief Financial Officer \nPursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the\ncapacity and on the dates indicated.\nDate:\nFebruary 22, 2024\nBy\n/s/ James M. Cracchiolo\nJames M. Cracchiolo\nChairman and Chief Executive Officer\n(Principal Executive Officer and Director)\nDate:\nFebruary 22, 2024\nBy\n/s/ Walter S. Berman\nWalter S. Berman\nExecutive Vice President and Chief Financial Officer\n(Principal Financial Officer)\nDate:\nFebruary 22, 2024\nBy\n/s/ Dawn M. Brockman\nDawn M. Brockman\nSenior Vice President and Controller\n(Principal Accounting Officer)\nDate:\nFebruary 22, 2024\nBy\n/s/ Dianne Neal Blixt*\nDianne Neal Blixt\nDirector\nDate:\nFebruary 22, 2024\nBy\n/s/ Amy DiGeso*\nAmy DiGeso\nDirector\nDate:\nFebruary 22, 2024\nBy\n/s/ Armando Pimentel, Jr.*\nArmando Pimentel, Jr.\nDirector\nDate:\nFebruary 22, 2024\nBy\n/s/ Robert F. Sharpe, Jr.*\nRobert F. Sharpe, Jr.\nDirector\nDate:\nFebruary 22, 2024\nBy\n/s/ Brian T. Shea*\nBrian T. Shea \nDirector\nDate:\nFebruary 22, 2024\nBy\n/s/ W. Edward Walter III*\nW. Edward Walter III\nDirector\n177", "1d3c037e-7d22-442c-b67b-dd92e1051f53": "Index\nAmeriprise Financial, Inc.\nDate:\nFebruary 22, 2024\nBy\n/s/ Christopher J. Williams*\nChristopher J. Williams\nDirector\n*By\n/s/ Walter S. Berman\nWalter S. Berman\nExecutive Vice President and Chief Financial Officer\n*Walter S. Berman, by signing his name hereto on the 22nd day of February, 2024 does hereby sign this document pursuant to powers of attorney duly executed by\nthe Directors named, filed with the Securities and Exchange Commission on behalf of such Directors as Exhibit 24 to this Form 10-K, all in the capacities and on the\ndate stated, such persons being the majority of the Directors of the Registrant.\n178", "5dc6b2f5-3b25-4079-bd0d-8faf2a4aabe6": "Index\nAmeriprise Financial, Inc.\nSchedule I - Condensed Financial Information of Registrant\n(Parent Company Only)\nCondensed Statements of Operations - Years ended December 31, 2023, 2022 and 2021\n180\nCondensed Balance Sheets - December 31, 2023 and 2022\n181\nCondensed Statements of Cash Flows - Years ended December 31, 2023, 2022 and 2021\n182\nNotes to Condensed Financial Information of Registrant\n183\n179", "37d6258f-71d3-4c11-980b-124a15b64902": "Index\nAmeriprise Financial, Inc.\nSchedule I \u2014 Condensed Financial Information of Registrant\nCondensed Statements of Operations\n(Parent Company Only)\nYears Ended December 31,\n2023\n2022\n2021\n(in millions)\nRevenues\nNet investment income\n$\n77\n \n$\n16\n \n$\n27\n \nOther revenues\n5\n \n6\n \n9\n \nTotal revenues\n82\n \n22\n \n36\n \nBanking and deposit interest expense\n35\n \n8\n \n2\n \nTotal net revenues\n47\n \n14\n \n34\n \nExpenses\nDistribution expenses\n46\n \n4\n \n7\n \nInterest and debt expense\n138\n \n104\n \n102\n \nGeneral and administrative expense\n306\n \n265\n \n258\n \nTotal expenses\n490\n \n373\n \n367\n \nPretax loss before equity in earnings of subsidiaries\n(\n443\n)\n(\n359\n)\n(\n333\n)\nIncome tax provision\n142\n \n139\n \n157\n \nLoss before equity in earnings of subsidiaries\n(\n585\n)\n(\n498\n)\n(\n490\n)\nEquity in earnings of subsidiaries, net of tax\n3,141\n \n3,647\n \n3,907\n \nNet income\n2,556\n \n3,149\n \n3,417\n \nOther comprehensive income (loss), net of tax\n780\n \n(\n1,904\n)\n(\n498\n)\nTotal comprehensive income (loss)\n$\n3,336\n \n$\n1,245\n \n$\n2,919\n \n \nCertain prior period amounts have been restated. See Note 1 for more information.\nSee Notes to Condensed Financial Information of Registrant.\n(1)\n(1)\n(1)\n 180", "c3bdf552-6aa3-4672-a6de-b76fa2364452": "Index\nAmeriprise Financial, Inc.\nSchedule I \u2014 Condensed Financial Information of Registrant\nCondensed Balance Sheets\n(Parent Company Only)\nDecember 31,\n2023\n2022\n(in millions, except share amounts)\nAssets\nCash and cash equivalents\n$\n519\n \n$\n361\n \nInvestments\n841\n \n831\n \nLoans to subsidiaries\n489\n \n249\n \nDue from subsidiaries\n246\n \n338\n \nReceivables\n49\n \n26\n \nLand, buildings, equipment, and software, net of accumulated depreciation of $\n791\n and $\n874\n, respectively\n265\n \n216\n \nInvestments in subsidiaries\n6,974\n \n5,843\n \nOther assets\n1,580\n \n1,262\n \nTotal assets\n$\n10,963\n \n$\n9,126\n \nLiabilities and Equity\nLiabilities:\nAccounts payable and accrued expenses\n$\n1,229\n \n$\n999\n \nDue to subsidiaries\n347\n \n107\n \nBorrowings from subsidiaries\n580\n \n602\n \nLong-term debt\n3,398\n \n2,819\n \nOther liabilities\n680\n \n796\n \nTotal liabilities\n6,234\n \n5,323\n \nEquity:\nCommon shares ($\n0.01\n par value; shares authorized, \n1,250,000,000\n; shares issued, \n336,780,893\n and \n335,864,062\n, respectively)\n3\n \n3\n \nAdditional paid-in capital\n9,824\n \n9,517\n \nRetained earnings\n21,905\n \n19,918\n \nTreasury shares, at cost (\n236,607,681\n and \n230,585,072\n shares, respectively)\n(\n25,237\n)\n(\n23,089\n)\nAccumulated other comprehensive income (loss), net of tax, including amounts applicable to equity investments in subsidiaries\n(\n1,766\n)\n(\n2,546\n)\nTotal equity\n4,729\n \n3,803\n \nTotal liabilities and equity\n$\n10,963\n \n$\n9,126\n \n \nCertain prior period amounts have been restated. See Note 1 for more information.\nSee Notes to Condensed Financial Information of Registrant.\n(1)\n(1)\n 181", "16c035df-19a6-45ae-a0e2-a6277064b659": "Index\nAmeriprise Financial, Inc.\nSchedule I \u2014 Condensed Financial Information of Registrant\nCondensed Statements of Cash Flows\n(Parent Company Only)\nYears Ended December 31,\n2023\n2022\n2021\n(in millions)\nCash Flows from Operating Activities\nNet income\n$\n2,556\n \n$\n3,149\n \n$\n3,417\n \nEquity in earnings of subsidiaries\n(\n3,141\n)\n(\n3,647\n)\n(\n3,907\n)\nDividends received from subsidiaries\n3,025\n \n2,512\n \n4,027\n \nOther operating activities, primarily with subsidiaries\n453\n \n226\n \n343\n \nNet cash provided by (used in) operating activities\n2,893\n \n2,240\n \n3,880\n \nCash Flows from Investing Activities\nAvailable-for-Sale securities:\nProceeds from sales\n4\n \n\u2014\n \n\u2014\n \nMaturities, sinking fund payments and calls\n43\n \n153\n \n93\n \nPurchases\n(\n38\n)\n(\n124\n)\n(\n82\n)\nProceeds from sales of other investments\n\u2014\n \n7\n \n1\n \nPurchase of other investments\n(\n10\n)\n(\n1\n)\n(\n16\n)\nProceeds from sales of land, buildings, equipment and software\n\u2014\n \n\u2014\n \n1\n \nPurchase of land, buildings, equipment and software\n(\n87\n)\n(\n70\n)\n(\n28\n)\nContributions to subsidiaries\n(\n324\n)\n(\n743\n)\n(\n1,291\n)\nReturn of capital from subsidiaries\n\u2014\n \n207\n \n39\n \nRepayment of loans to subsidiaries\n1,992\n \n1,960\n \n2,701\n \nIssuance of loans to subsidiaries\n(\n2,232\n)\n(\n1,726\n)\n(\n2,937\n)\nOther, net\n2\n \n\u2014\n \n\u2014\n \nNet cash provided by (used in) investing activities\n(\n650\n)\n(\n337\n)\n(\n1,519\n)\nCash Flows from Financing Activities\nDividends paid to shareholders\n(\n550\n)\n(\n534\n)\n(\n511\n)\nRepurchase of common shares\n(\n2,127\n)\n(\n1,978\n)\n(\n2,030\n)\nIssuance of long-term debt, net of issuance costs\n1,335\n \n495\n \n4\n \nRepayments of long-term debt\n(\n760\n)\n(\n510\n)\n(\n9\n)\nBorrowings from subsidiaries\n1,003\n \n1,210\n \n244\n \nRepayments of borrowings from subsidiaries\n(\n951\n)\n(\n1,034\n)\n(\n403\n)\nExercise of stock options\n\u2014\n \n\u2014\n \n1\n \nOther, net\n(\n35\n)\n(\n18\n)\n99\n \nNet cash provided by (used in) financing activities\n(\n2,085\n)\n(\n2,369\n)\n(\n2,605\n)\nNet increase (decrease) in cash and cash equivalents\n158\n \n(\n466\n)\n(\n244\n)\nCash and cash equivalents at beginning of period\n361\n \n827\n \n1,071\n \nCash and cash equivalents at end of period\n$\n519\n \n$\n361\n \n$\n827\n \nSupplemental Disclosures:\nInterest paid on debt\n$\n129\n \n$\n98\n \n$\n95\n \nIncome taxes paid, net\n233\n \n91\n \n173\n \nNon-cash dividends from subsidiaries\n77\n \n\u2014\n \n\u2014\n \nNon-cash contributions to subsidiaries\n\u2014\n \n\u2014\n \n52\n \n \nCertain prior period amounts have been restated. See Note 1 for more information.\nSee Notes to Condensed Financial Information of Registrant.\n(1)\n(1)\n(1)\n 182", "52b40d73-56a2-4325-9e29-74c34bb7ac03": "Index\nAmeriprise Financial, Inc.\nSchedule I \u2014 Condensed Financial Information of Registrant\nNotes to Condensed Financial Information of Registrant\n(Parent Company Only)\n1. Basis of Presentation\nThe accompanying Condensed Financial Statements include the accounts of Ameriprise Financial, Inc. (the \u201cParent Company\u201d) and, on an equity basis, its\nsubsidiaries and affiliates. The Condensed Financial Statements have been prepared in accordance with U.S. generally accepted accounting principles. The financial\ninformation of the Parent Company should be read in conjunction with the Consolidated Financial Statements and Notes of Ameriprise Financial, Inc. and its\nsubsidiaries (\u201cAmeriprise Financial\u201d). Parent Company revenues and expenses, other than interest and debt expense, are primarily related to intercompany\ntransactions with subsidiaries and affiliates.\nIn August 2018, the Financial Accounting Standards Board (\u201cFASB\u201d) issued an Accounting Standards Update (\u201cASU\u201d) related to long-duration insurance contracts\n(ASU 2018-12). When our insurance subsidiaries adopted the standard effective January 1, 2023 with a transition date of January 1, 2021 (the \u201ctransition date\u201d),\nopening equity was adjusted for the adoption impacts to retained earnings and accumulated other comprehensive income (loss) (\u201cAOCI\u201d) and prior periods were\nrestated. The adoption impact as of January 1, 2021 was a reduction in total equity of $\n1.9\n billion, of which $\n0.9\n billion and $\n1.0\n billion were reflected in retained\nearnings and AOCI, respectively.\n2. Investments\nOn December 23, 2020, RiverSource Life Insurance Company (\u201cRiverSource Life\u201d) issued a $\n500\n million unsecured \n3.5\n% surplus note due December 31, 2050 to the\nParent Company. The surplus note is subordinate in right of payment to the prior payment in full of RiverSource Life\u2019s obligations to policyholders, claimants and\nbeneficiaries and all other creditors. No payment of principal or interest shall be made without the prior approval of the Minnesota Department of Commerce and such\npayments shall be made only from RiverSource Life\u2019s statutory surplus. Interest payments, which commenced on June 30, 2021, are due semi-annually in arrears on\nJune 30 and December 31. Subject to the preceding conditions, RiverSource Life may prepay all or a portion of the principal at any time. The held-to-maturity\ninvestment was $\n500\n million as of both December 31, 2023 and 2022 and is recorded in Investments on the Parent Company\u2019s Condensed Balance Sheets. For the\nyears ended December 31, 2023, 2022 and 2021, interest income was $\n18\n million, $\n18\n million and $\n17\n million, respectively, and is reported in Net investment income on\nthe Parent Company\u2019s Condensed Statements of Operations.\nThe Parent Company invested in the residual tranche of an asset backed security structure issued by Ameriprise Advisor Financing, LLC (\u201cAAF\u201d) and in the residual\ntranche of an asset backed security structure issued by Ameriprise Advisor Financing 2, LLC (\u201cAAF 2\u201d), both subsidiaries of the Parent Company. The asset backed\nsecurities are collateralized by a portfolio of loans issued to advisors affiliated with Ameriprise Financial Services, LLC (\u201cAFS\u201d), a subsidiary of the Parent Company.\nDuring the third quarter of 2022, the Parent Company redeemed the outstanding residual tranche issued by AAF, realizing a $\n23\n million loss, and invested $\n30\n million\nin a new residual tranche issued by AAF 2. As of December 31, 2023 and 2022, the fair value of the residual tranche issued by AAF 2 was $\n30\n million and $\n27\n million,\nrespectively. The fair value of the residual tranche is reported in Investments on the Parent Company\u2019s Condensed Balance Sheets. For each of the years ended\nDecember 31, 2023, 2022 and 2021, interest income was $\n7\n million and is reported in Net investment income on the Parent Company\u2019s Condensed Statements of\nOperations.\n3. Debt\nAll of the debt of Ameriprise Financial is borrowings of the Parent Company, except as indicated below.\n\u2022\nAs of both December 31, 2023 and 2022, Ameriprise Financial had $\n201\n million of borrowings from the Federal Home Loan Bank of Des Moines, which is\ncollateralized with commercial mortgage backed securities.", "7cb865d2-188a-4884-8905-a451a22d58de": "As of December 31, 2023 and 2022, the fair value of the residual tranche issued by AAF 2 was $\n30\n million and $\n27\n million,\nrespectively. The fair value of the residual tranche is reported in Investments on the Parent Company\u2019s Condensed Balance Sheets. For each of the years ended\nDecember 31, 2023, 2022 and 2021, interest income was $\n7\n million and is reported in Net investment income on the Parent Company\u2019s Condensed Statements of\nOperations.\n3. Debt\nAll of the debt of Ameriprise Financial is borrowings of the Parent Company, except as indicated below.\n\u2022\nAs of both December 31, 2023 and 2022, Ameriprise Financial had $\n201\n million of borrowings from the Federal Home Loan Bank of Des Moines, which is\ncollateralized with commercial mortgage backed securities.\n\u2022\nAs of December 31, 2023 and 2022, Ameriprise Financial debt included $\n1\n million and $\n2\n million, respectively, of other subsidiary lease obligations.\n4. Borrowings from Subsidiaries\nThe Parent Company has intercompany lending arrangements with its subsidiaries. At the end of each business day, taking into consideration all legal and regulatory\nrequirements associated with its subsidiaries, the Parent Company is entitled to draw on all funds in specified bank accounts. Repayment of all or a portion of the\nfunds is due on demand. As of December 31, 2023 and 2022, the Company had $\n375\n million and $\n411\n million, respectively, available for repayment due on demand.\nThe Parent Company also has revolving credit agreements with its subsidiaries as the borrower aggregating $\n1.3\n billion and $\n1.1\n billion as of December 31, 2023 and\n2022, respectively, of which $\n205\n million and $\n191\n million was outstanding as of December 31, 2023 and 2022, respectively.\n5. Guarantees, Commitments and Contingencies\nThe Parent Company is the guarantor for operating leases of certain subsidiaries. All consolidated legal, regulatory and arbitration proceedings, including class\nactions of Ameriprise Financial are potential or current obligations of the Parent Company. The Parent Company has committed revolving credit agreements with its\nsubsidiaries as the lender aggregating $\n363\n million and $\n361\n million as of December 31, 2023 and 2022, respectively, of which $\n246\n million and \nnil\n was outstanding as\nof December 31, 2023 and 2022, respectively.\nThe Parent Company and Ameriprise Certificate Company (\u201cACC\u201d) entered into a Capital Support Agreement on March 2, 2009, pursuant to which the Parent\nCompany agrees to commit such capital to ACC as is necessary to satisfy applicable minimum capital requirements. Effective April 30, 2014, this agreement was\namended to revise the maximum commitment to $\n50\n million. For the years ended December 31, 2023, 2022 and 2021, ACC did not draw upon the Capital Support\nAgreement and had met all applicable capital requirements.\n 183", "befab530-da43-4aca-b4fc-692b7e77355a": "Index\nAmeriprise Financial, Inc.\nAFS entered into a Financial Industry Regulatory Authority (\u201cFINRA\u201d) approved subordinated loan agreement with the Parent Company on December 15, 2014 for\nregulatory net capital purposes. The agreement consists of a $\n200\n million secured demand note. The note is secured by cash and securities equal to the principal\nvalue of the note pledged by the Parent Company. As of both December 31, 2023 and 2022, AFS had not made a demand of the principal amount.\nAmeriprise Enterprise Investment Services, Inc. (\u201cAEIS\u201d) entered into a FINRA approved subordinated loan agreement with the Parent Company on January 25, 2017\nfor regulatory net capital purposes. Under this agreement, AEIS borrowed $\n60\n million from the Parent Company with an initial term of \nfive years\n to be repaid no later\nthan January 25, 2022. Both companies have the option to renew the agreement in \none year\n-increments in perpetuity. The agreement was renewed in January 2022 and\neach year thereafter, extending the current maturity date to January 25, 2025.\n6. Subsequent Events\nOn January 30, 2024, the Parent Company contributed cash of $\n15\n million to Ameriprise Advisor Capital, LLC. On February 14, 2024, the Parent Company received a\ncash dividend of $\n60\n million from AMPF Holding, LLC. These actions were declared subsequent to the balance sheet date.\n 184", "617801e9-3f4c-4ff8-a57b-0d4803b95a87": "UNITED STATES\nSECURITIES AND EXCHANGE COMMISSION\nWashington, D.C. 20549\nFORM \n10-K\n(Mark One)\nANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\nFor the fiscal year ended \nDecember 31\n, 2023\nor\nTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934\nFor the transition period from to \nCommission file number \n1-442\nTHE BOEING COMPANY\n(Exact name of registrant as specified in its charter)\nDelaware\n \n91-0425694\n(State or other jurisdiction of\nincorporation or organization)\n \n(I.R.S. Employer Identification No.)\n929 Long Bridge Drive\nArlington,\nVA\n \n22202\n(Address of principal executive offices)\n \n(Zip Code)\nRegistrant\u2019s telephone number, including area code \n(703)\n-\n465-3500\nSecurities registered pursuant to Section 12(b) of the Act:\nCommon Stock, $5.00 Par Value\nBA\nNew York Stock Exchange\n(Title of each class)\n(Trading Symbol)\n(Name of each exchange on which registered)\nSecurities registered pursuant to Section 12(g) of the Act:\n \nNone\nIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes \n \nNo\n \nIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes \n \nNo\n \nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12\nmonths (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. \nYes\n \n No \nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (\u00a7 232.405 of\nthis chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). \nYes\n \n No \nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company, or an emerging growth company.\nSee the definitions of \u201clarge accelerated filer,\u201d \u201caccelerated filer,\u201d \u201csmaller reporting company,\u201d and \u201cemerging growth company\u201d in Rule 12b-2 of the Exchange Act.\nLarge Accelerated Filer\nAccelerated filer \nNon-accelerated filer\nSmaller reporting company\nEmerging growth company\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial\naccounting standards provided pursuant to Section 13(a) of the Exchange Act. \nIndicate by check mark whether the registrant has filed a report on and attestation to its management\u2019s assessment of the effectiveness of its internal control over financial reporting\nunder Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. \nIf securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of\nan error to previously issued financial statements.\nIndicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the\nregistrant\u2019s executive officers during the relevant recovery period pursuant to \u00a7 240.10D-1(b).\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes \n No \nAs of June 30, 2023, there were 602,885,744 common shares outstanding held by non-affiliates of the registrant, and the aggregate market value of the common shares (based upon\nthe closing price of these shares on the New York Stock Exchange) was approximately $\n127.3\n billion.\nThe number of shares of the registrant\u2019s common stock outstanding as of January 24, 2024 was \n610,135,205\n.", "b72140bd-4e06-4420-873b-147c4713c07b": "Indicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the\nregistrant\u2019s executive officers during the relevant recovery period pursuant to \u00a7 240.10D-1(b).\nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes \n No \nAs of June 30, 2023, there were 602,885,744 common shares outstanding held by non-affiliates of the registrant, and the aggregate market value of the common shares (based upon\nthe closing price of these shares on the New York Stock Exchange) was approximately $\n127.3\n billion.\nThe number of shares of the registrant\u2019s common stock outstanding as of January 24, 2024 was \n610,135,205\n.\nDOCUMENTS INCORPORATED BY REFERENCE\nPart III incorporates information by reference to the registrant\u2019s definitive proxy statement, to be filed with the Securities and Exchange Commission within 120 days after the close of\nthe fiscal year ended December 31, 2023.", "f58578ca-64dd-4d7e-b853-a5080d428b56": "Table of Contents\nTHE BOEING COMPANY\nIndex to the Form 10-K\nFor the Fiscal Year Ended December 31, 2023\nPART I\n \n \nPage\nItem 1.\nBusiness\n1\nItem 1A.\nRisk Factors\n6\nItem 1B.\nUnresolved Staff Comments\n17\nI\ntem\n \n1C.\nC\nybersecurity\n17\nItem 2.\nProperties\n19\nItem 3.\nLegal Proceedings\n20\nItem 4.\nMine Safety Disclosures\n20\nPART II\nItem 5.\nMarket for Registrant\u2019s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity\nSecurities\n21\nItem 6.\n[\nReserved\n]\n21\nItem 7.\nManagement\u2019s Discussion and Analysis of Financial Condition and Results of Operations\n22\nItem 7A.\nQuantitative and Qualitative Disclosures About Market Risk\n49\nItem 8.\nFinancial Statements and Supplementary Data\n50\nItem 9.\nChanges in and Disagreements With Accountants on Accounting and Financial Disclosure\n117\nItem 9A.\nControls and Procedures\n117\nItem 9B.\nOther Information\n117\nItem \n9C.\nDisclosure Regarding Foreign Jurisdictions that Prevent Inspections\n117\nPART III\nItem 10.\nDirectors, Executive Officers and Corporate Governance\n118\nItem 11.\nExecutive Compensation\n121\nItem 12.\nSecurity Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters\n122\nItem 13.\nCertain Relationships and Related Transactions, and Director Independence\n122\nItem 14.\nPrincipal Accountant Fees and Services\n123\nPART IV\nItem 15.\nExhibits, Financial Statement Schedules\n123\nItem 16.\nForm 10-K Summary\n126\nSignatures\n127", "ed2cf255-1d3c-44d1-a41e-d356743aa2ae": "Table of Contents\nPART I\nItem 1. Business\nThe Boeing Company, together with its subsidiaries (herein referred to as \u201cBoeing,\u201d the \u201cCompany,\u201d \u201cwe,\u201d \u201cus,\u201d \u201cour\u201d), is one of the world\u2019s major\naerospace firms.\nWe are organized based on the products and services we offer. We operate in three reportable segments:\n\u2022\nCommercial Airplanes (BCA);\n\u2022\nDefense, Space & Security (BDS);\n\u2022\nGlobal Services (BGS).\nCommercial Airplanes Segment\nThis segment develops, produces and markets commercial jet aircraft principally to the commercial airline industry worldwide. We are a leading producer\nof commercial aircraft and offer a family of commercial jetliners designed to meet a broad spectrum of global passenger and cargo requirements of\nairlines. This family of commercial jet aircraft in production includes the 737 narrow-body model and the 767, 777 and 787 wide-body models.\nDevelopment continues on the 777X program and the 737-7 and 737-10 derivatives.\nDefense, Space & Security Segment\nThis segment engages in the research, development, production and modification of manned and unmanned military aircraft and weapons systems for\nstrike, surveillance and mobility, including fighter and trainer aircraft; vertical lift, including rotorcraft and tilt-rotor aircraft; and commercial derivative\naircraft, including anti-submarine and tanker aircraft. In addition, this segment engages in the research, development, production and modification of the\nfollowing products and related services: strategic defense and intelligence systems, including strategic missile and defense systems, command, control,\ncommunications, computers, intelligence, surveillance and reconnaissance (C4ISR), cyber and information solutions, and intelligence systems, satellite\nsystems, including government and commercial satellites and space exploration.\nGlobal Services Segment\nThis segment provides services to our commercial and defense customers worldwide. Global Services sustains aerospace platforms and systems with a\nfull spectrum of products and services, including supply chain and logistics management, engineering, maintenance and modifications, upgrades and\nconversions, spare parts, pilot and maintenance training systems and services, technical and maintenance documents, and data analytics and digital\nservices.\nIntellectual Property\nWe own numerous patents and have licenses for the use of patents owned by others, which relate to our products and their manufacture. In addition to\nowning a large portfolio of intellectual property, we also license intellectual property to and from third parties. For example, the U.S. government has\nlicenses in our patents that are developed in performance of government contracts, and it may use or authorize others to use the inventions covered by\nsuch patents for government purposes. Unpatented research, development and engineering skills, as well as certain trademarks, trade secrets and other\nintellectual property rights, also make an important contribution to our business. While our intellectual\n1", "c244e119-5de8-4c45-8932-83aa40c1e6b3": "Table of Contents\nproperty rights in the aggregate are important to the operation of each of our businesses, we do not believe that our business would be materially\naffected by the expiration of any particular intellectual property right or termination of any particular intellectual property patent license agreement.\nHuman Capital\nAs of December 31, 2023 and 2022, Boeing\u2019s total workforce was approximately 171,000 and 156,000 with 14% and 13% located outside of the U.S.\nAs of December 31, 2023, our workforce included approximately 57,000 union members. Our principal collective bargaining agreements and their current\nstatus are summarized in the following table:\nUnion\nPercent of our Employees\nRepresented\nStatus of Major Agreements with Union\nThe International Association of Machinists and\nAerospace Workers (IAM)\n21%\nWe have two major agreements; one with IAM District 751\n(Washington) expiring in September 2024 and one with IAM\nDistrict 837 (Missouri) expiring in July 2025.\nThe Society of Professional Engineering Employees in\nAerospace (SPEEA)\n10%\nWe have two major agreements; one with SPEEA Professional\nand one with SPEEA Technical, both expiring in October 2026.\nThe United Automobile, Aerospace and Agricultural\nImplement Workers of America (UAW)\n1%\nWe have one major agreement with UAW District 1069\n(Pennsylvania) expiring in April 2027.\nGuided by our values, we are committed to creating a company where everyone is included and respected, and where we support each other in reaching\nour full potential. We are committed to diverse representation across all levels of our workforce to reflect the vibrant and thriving diversity of the\ncommunities in which we live and work. In May 2023, we released our third Global Equity, Diversity and Inclusion report with our workforce composition.\nAs of December 2022, our global workforce was comprised of approximately 24% women, and our U.S. workforce was comprised of 35% racial and\nethnic minorities and 15% U.S. veterans. We also support Business Resource Groups open to all employees with more than 15,000 participants across\n176 chapters globally that focus on gender, race and ethnicity, generations, gender identity, sexual orientation, disability or veteran status. These groups\nhelp foster inclusion among all teammates, build awareness, recruit and retain a diverse workforce and support the company in successfully operating in\na global, multicultural business environment.\nTo attract and retain the best-qualified talent, we offer competitive benefits, including market-competitive compensation, healthcare, paid time off,\nparental leave, retirement benefits, tuition assistance, employee skills development, leadership development and rotation programs. In 2023, our\nvoluntary resignation rate was approximately 3%. Additionally, we hired approximately 23,000 new employees in 2023 for critical skills and had an offer\nacceptance rate of 82%.\nEmployees are encouraged to provide feedback about their experience through ongoing employee engagement activities. Boeing actively listens to its\nemployees via surveys ranging from pre-hire to exiting the company. These voluntary surveys provide aggregate trend reports for the company to address\nin real time and ensure Boeing maintains an employee-focused experience and culture. We also invest in rewarding performance and have established a\nmulti-level recognition program for the purpose of acknowledging the achievements of excellent individual or team performance.\n2", "7b5048c5-03e1-4f3a-b672-93b0d425dfcc": "Table of Contents\nWe are committed to supporting our employees\u2019 continuous development of professional, technical and leadership skills through access to digital\nlearning resources and through partnerships with leading professional/technical societies and organizations around the world. For 2023, Boeing\nemployees completed approximately 6.9 million hours of learning. We offer the ability for our people to pursue degree programs, professional certificates\nand individual courses in strategic fields of study from approximately 500 accredited colleges and universities, online and across the globe through our\ntuition assistance program. Approximately 13,000 Boeing employees leveraged these programs in 2023.\nSafety, quality, integrity and sustainability are at the core of how Boeing operates. We aspire to achieve zero workplace injuries and provide a safe, open\nand accountable work environment for our employees. Employees are also required on an annual basis to sign the Boeing Code of Conduct to reaffirm\ntheir commitment to do their work in a compliant and ethical manner. We provide several channels for all employees to speak up, ask for guidance and\nreport concerns related to ethics or safety violations. We address employee concerns and take appropriate actions that uphold our Boeing values.\nCompetition\nThe commercial jet aircraft market and the airline industry remain extremely competitive. We face aggressive international competitors who are intent on\nincreasing their market share, such as Airbus and entrants from China. We are focused on improving our products and processes and continuing cost\nreduction efforts. We intend to continue to compete with other aircraft manufacturers by providing customers with airplanes and services that deliver\nsuperior design, safety, quality, efficiency and value to customers around the world.\nBDS faces strong competition primarily from Lockheed Martin Corporation, Northrop Grumman Corporation, Raytheon Technologies Corporation, General\nDynamics Corporation and SpaceX. Non-U.S. companies such as BAE Systems and Airbus Group continue to build a strategic presence in the U.S.\nmarket by strengthening their North American operations and partnering with U.S. defense companies. In addition, certain competitors have occasionally\nformed teams with other competitors to address specific customer requirements. BDS expects the trend of strong competition to continue into 2024.\nThe commercial and defense services markets are extremely challenging and are made up of many of the same strong U.S. and non-U.S. competitors\nfacing BCA and BDS along with other competitors in those markets. BGS leverages our extensive services network offering products and services which\nspan the life cycle of our defense and commercial aircraft programs: training, fleet services and logistics, maintenance and engineering, modifications\nand upgrades, as well as the daily cycle of gate-to-gate operations. BGS expects the market to remain highly competitive in 2024, and intends to grow\nmarket share by leveraging a high level of customer satisfaction and productivity.\nRegulatory Matters\nOur businesses are heavily regulated in most of our markets. We work with numerous U.S. government agencies and entities, including but not limited\nto, all of the branches of the U.S. military, the National Aeronautics and Space Administration (NASA), the Federal Aviation Administration (FAA) and\nthe Department of Homeland Security. Similar government authorities exist in our non-U.S. markets.\nGovernment Contracts.\n The U.S. government, and other governments, may terminate any of our government contracts at their convenience, as well as\nfor default based on our failure to meet specified performance requirements. If any of our U.S. government contracts were to be terminated for\nconvenience, we generally would be entitled to receive payment for work completed and allowable termination or cancellation costs. If any of our\ngovernment contracts were to be terminated for default, generally the U.S. government would pay only for the work that has been accepted and could\nrequire us\n3", "fe5051d1-a38e-4d40-9be8-b589507fb162": "Table of Contents\nto pay the difference between the original contract price and the cost to re-procure the contract items, net of the work accepted from the original\ncontract. The U.S. government can also hold us liable for damages resulting from the default.\nCommercial Aircraft.\n In the U.S., our commercial aircraft products are required to comply with FAA regulations governing production and quality\nsystems, airworthiness and installation approvals, repair procedures and continuing operational safety. On January 10, 2024, the FAA notified us that it\nhas initiated an investigation into our quality control system. This was followed by the FAA announcing actions to increase its oversight of us, including\nconducting (1) an audit involving the 737-9 production line and suppliers to evaluate compliance with approved quality procedures, (2) increased\nmonitoring of 737-9 in-service events, and (3) an assessment of safety risks around delegated authority and quality oversight, and examination of options\nto move these functions under independent third parties. On January 24, 2024, the FAA stated that it will not approve production rate increases or\nadditional production lines for the 737 MAX until \nit is satisfied that we are in full compliance with required quality control procedures.\n New aircraft models\nand new derivative aircraft are required to obtain FAA certification prior to entry into service. Outside the U.S., similar requirements exist for\nairworthiness, installation and operational approvals. These requirements are generally administered by the national aviation authorities of each country\nand, in the case of Europe, coordinated by the European Union Aviation Safety Agency.\nEnvironmental.\n We are subject to various federal, state, local and non-U.S. laws and regulations relating to environmental protection, including the\ndischarge, treatment, storage, disposal and remediation of hazardous substances and wastes. We could also be affected by laws and regulations\nrelating to climate change, including laws limiting or otherwise related to greenhouse gas emissions. These laws and regulations could lead to increased\nenvironmental compliance expenditures, increased energy and raw materials costs and new and/or additional investment in designs and technologies.\nWe continually assess our compliance status and management of environmental matters to ensure our operations are in compliance with all applicable\nenvironmental laws and regulations. Investigation, remediation and operation and maintenance costs associated with environmental compliance and\nmanagement of sites are a normal, recurring part of our operations. These costs often are allowable costs under our contracts with the U.S. government.\nIt is reasonably possible that costs incurred to ensure continued environmental compliance could have a material impact on our results of operations,\nfinancial condition or cash flows if additional work requirements or more stringent clean-up standards are imposed by regulators, new areas of soil, air\nand groundwater contamination are discovered and/or expansions of work scope are prompted by the results of investigations. For additional information\nrelating to environmental contingencies, see Note 13 to our Consolidated Financial Statements.\nNon-U.S. Sales.\n Our non-U.S. sales are subject to both U.S. and non-U.S. governmental regulations and procurement policies and practices, including\nregulations relating to import-export control, tariffs, investment, exchange controls, anti-corruption and repatriation of earnings. Non-U.S. sales are also\nsubject to varying currency, political and economic risks.\nRaw Materials, Parts and Subassemblies\nWe are highly dependent on the availability of essential materials, parts and subassemblies from our suppliers and subcontractors. The most important\nraw materials required for our aerospace products are aluminum (sheet, plate, forgings and extrusions), titanium (sheet, plate, forgings and extrusions)\nand composites (including carbon and boron). Although alternative sources generally exist for these raw materials, qualification of the sources could take\na year or more. As a result of the Russia Ukraine war, we ceased purchasing titanium from Russia. This has not disrupted our operations as we have\nbeen able to use inventory on hand and identify alternative sources. Many major components and product equipment items are procured or\nsubcontracted on a sole-source basis. We continue to work with a small number of sole-source suppliers to ensure continuity of supply for certain items.\n4", "a8d19229-d43c-46c3-a97c-3408efce3bd7": "Table of Contents\nSuppliers\nWe are dependent upon the ability of a large number of U.S. and non-U.S. suppliers and subcontractors to meet performance specifications, quality\nstandards and delivery schedules at our anticipated costs. While we maintain an extensive qualification and performance surveillance system to control\nrisk associated with such reliance on third parties, failure of suppliers or subcontractors to meet commitments has and could continue to adversely affect\nproduct quality, production schedules and program/contract profitability, thereby jeopardizing our ability to fulfill commitments to our customers. We are\nalso dependent on the availability of energy sources, such as electricity, at affordable prices. The current conflict in Israel and the Gaza Strip has the\npotential to impact certain of our suppliers, and has impacted some operations for our airline and lessor customers. We are closely monitoring\ndevelopments, supporting our employees and customers, and will take mitigating actions as appropriate.\nSeasonality\nNo material portion of our business is considered to be seasonal.\nExecutive Officers of the Registrant\nSee \u201cItem 10. Directors, Executive Officers and Corporate Governance\u201d in Part III.\nOther Information\nBoeing was originally incorporated in the State of Washington in 1916 and reincorporated in Delaware in 1934. Our principal executive offices are located\nat 929 Long Bridge Drive, Arlington, Virginia 22202, and our telephone number is (703) 465-3500.\nGeneral information about us can be found at www.boeing.com. The information contained on or connected to our website is not incorporated by\nreference into this Annual Report on Form 10-K and should not be considered part of this or any other report filed with the Securities and Exchange\nCommission (SEC). Our Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and Current Reports on Form 8-K, as well as any amendments\nto those reports, are available free of charge through our website as soon as reasonably practicable after we file them with, or furnish them to, the SEC.\nThe SEC maintains a website at www.sec.gov that contains reports, proxy statements and other information regarding SEC registrants, including\nBoeing.\nForward-Looking Statements\nThis report, as well as our annual report to shareholders, quarterly reports and other filings we make with the SEC, press and earnings releases and\nother written and oral communications, contain \u201cforward-looking statements\u201d within the meaning of the Private Securities Litigation Reform Act of 1995.\nWords such as \u201cmay,\u201d \u201cshould,\u201d \u201cexpects,\u201d \u201cintends,\u201d \u201cprojects,\u201d \u201cplans,\u201d \u201cbelieves,\u201d \u201cestimates,\u201d \u201ctargets,\u201d \u201canticipates\u201d and similar expressions generally\nidentify these forward-looking statements. Examples of forward-looking statements include statements relating to our future financial condition and\noperating results, as well as any other statement that does not directly relate to any historical or current fact.\nForward-looking statements are based on expectations and assumptions that we believe to be reasonable when made, but that may not prove to be\naccurate. These statements are not guarantees and are subject to risks, uncertainties and changes in circumstances that are difficult to predict. Many\nfactors, including those set forth in the \u201cRisk Factors\u201d section below and other important factors disclosed in this report and from time to time in our other\nfilings with the SEC, could cause actual results to differ materially and adversely from these forward-looking statements. Any forward-looking statement\n5", "b384c853-5379-4f8f-b92b-344dacb912e9": "Table of Contents\nspeaks only as of the date on which it is made, and we assume no obligation to update or revise any forward-looking statement whether as a result of\nnew information, future events or otherwise, except as required by law.\nItem 1A. Risk Factors\nAn investment in our common stock or debt securities involves risks and uncertainties, and our actual results and future trends may differ materially from\nour past or projected future performance. We urge investors to consider carefully the risk factors described below in evaluating the information contained\nin this report.\nRisks Related to Our Business and Operations\nWe depend heavily on commercial airlines, subjecting us to unique risks.\nMarket conditions have a significant impact on demand for our commercial aircraft and related services.\n The commercial aircraft market is\npredominantly driven by long-term trends in airline passenger and cargo traffic. The principal factors underlying long-term traffic growth are sustained\neconomic growth and political stability both in developed and emerging markets. Demand for our commercial aircraft is further influenced by airline\nprofitability, availability of aircraft financing, world trade policies, government-to-government relations, technological advances, price and other competitive\nfactors, fuel prices, terrorism, pandemics, epidemics and environmental regulations. Historically, the airline industry has been cyclical and very\ncompetitive and has experienced significant profit swings and constant challenges to be more cost competitive. Significant deterioration in the global\neconomic environment, the airline industry generally or the financial stability of one or more of our major customers could result in fewer new orders for\naircraft or services, or could cause customers to seek to postpone or cancel contractual orders and/or payments to us, which could result in lower\nrevenues, profitability and cash flows and a reduction in our contractual backlog. In addition, because our commercial aircraft backlog consists of aircraft\nscheduled for delivery over a period of several years, any of these macroeconomic, industry or customer impacts could unexpectedly affect deliveries\nover a long period.\nWe enter into firm fixed-price aircraft sales contracts with indexed price escalation clauses, which could subject us to losses if we have cost overruns or\nif increases in our costs exceed the applicable escalation rate.\n Commercial aircraft sales contracts are often entered into years before the aircraft are\ndelivered. In order to help account for economic fluctuations between the contract date and delivery date, aircraft pricing generally consists of a fixed\namount as modified by price escalation formulas derived from labor, commodity and other price indices. Our revenue estimates are based on current\nexpectations with respect to these escalation formulas, but the actual escalation amounts are outside of our control. Escalation factors can fluctuate\nsignificantly from period to period. Changes in escalation amounts can significantly impact revenues and operating margins in our BCA business.\nWe derive a significant portion of our revenues from a limited number of commercial airlines.\n We can make no assurance that any customer will\nexercise purchase options, fulfill existing purchase commitments or purchase additional products or services from us. In addition, fleet decisions, airline\nconsolidations or financial challenges involving any of our major commercial airline customers could significantly reduce our revenues and limit our\nopportunity to generate profits from those customers. Airlines also are experiencing increased fuel and other costs, and the global economy has\nexperienced high inflation.\nOur Commercial Airplanes business depends on our ability to maintain a healthy production system, ensure every airplane in our production\nsystem conforms to exacting specifications,\n6", "c1db3553-30f0-4b33-9de8-fdfd78a78831": "Table of Contents\nachieve planned production rate targets, successfully develop and certify new aircraft or new derivative aircraft, and meet or exceed stringent\nperformance and reliability standards.\nThe commercial aircraft business is extremely complex, involving extensive coordination and integration with U.S. and non-U.S. suppliers, highly-skilled\nlabor performed by thousands of employees of ours and other partners, and stringent and evolving regulatory requirements and performance and reliability\nstandards. We have experienced and may continue to experience production quality issues, including in our supply chain.\nOn January 10, 2024, the FAA notified us that it has initiated an investigation into our quality control system. This was followed by the FAA announcing\nactions to increase its oversight of us, including conducting (1) an audit involving the 737-9 production line and suppliers to evaluate compliance with\napproved quality procedures, (2) increased monitoring of 737-9 in-service events, and (3) an assessment of safety risks around delegated authority and\nquality oversight, and examination of options to move these functions under independent third parties. On January 24, 2024, the FAA stated that it will\nnot approve production rate increases or additional production lines for the 737 MAX until \nit is satisfied that we are in full compliance with required quality\ncontrol procedures. \nWe are currently unable to reasonably estimate what impact the January 5, 2024 Alaska Airlines accident and the related FAA\nactions will have on our financial position, results of operations and cash flows.\nThe introduction of new aircraft programs and/or derivatives, such as the 777X, 737-7 and 737-10, involves risks associated with meeting development,\ntesting, certification and production schedules. We are following the lead of the FAA as we work through the certification process, and the FAA will\nultimately determine the timing of certification and entry into service. In addition, the development schedules of the 737-7 and 737-10 could be impacted\nby actions resulting from the Alaska Airlines accident. If we experience delays in achieving certification and/or incorporating safety enhancements, our\nfinancial position, results of operations and cash flows would be adversely impacted.\nA number of our customers have contractual remedies, including compensation for late deliveries or rights to reject individual airplane deliveries based on\ndelivery delays. Delays on the 737, 777X and 787 programs have resulted in, and may continue to result in, customers having the right to terminate\norders, be compensated for late deliveries and/or substitute orders for other Boeing aircraft.\nWe must minimize disruption caused by production changes, achieve operational stability and implement productivity improvements in order to meet\ncustomer demand and maintain our profitability. \nWe have previously announced plans to adjust production rates on several of our commercial aircraft\nprograms. In addition, we continue to seek opportunities to reduce the costs of building our aircraft, including working with our suppliers to reduce\nsupplier costs, identifying and implementing productivity improvements and optimizing how we manage inventory. If production rate changes at any of our\ncommercial aircraft assembly facilities are delayed or create significant disruption to our production system, or if our suppliers cannot timely deliver\ncomponents that comply with design specifications to us at the cost and rates necessary to achieve our targets, we may be unable to meet delivery\nschedules and/or the financial performance of one or more of our programs may suffer.\nOperational challenges impacting the production system for one or more of our commercial aircraft programs could result in additional production delays\nand/or failure to meet customer demand for new aircraft, either of which would negatively impact our revenues and operating margins. \nOur commercial\naircraft production system is extremely complex. Operational issues, including delays or defects in supplier components, failure to meet internal\nperformance plans, or delays or failures to achieve required regulatory approval, could result in additional out-of-sequence work and increased production\ncosts, as well as delayed deliveries to customers, impacts to aircraft performance and/or increased warranty or fleet support costs. We and our\nsuppliers are experiencing supply chain disruptions and constraints, labor instability and inflationary pressures. We continue to monitor the health and\nstability of\n7", "48e47060-9fa1-4f52-ab2d-1fb083172188": "Table of Contents\nthe supply chain. These factors have and may continue to reduce overall productivity and adversely impact our financial position, results of operations\nand cash flows.\nIf our commercial aircraft fail to satisfy performance and reliability requirements and/or potentially required sustainability standards, we could face\nadditional costs and/or lower revenues. \nDeveloping and manufacturing commercial aircraft that meet or exceed our performance and reliability standards\nand/or potentially required sustainability standards, as well as those of customers and regulatory agencies, can be costly and technologically\nchallenging. These challenges are particularly significant with newer aircraft programs. Any failure of any Boeing aircraft to satisfy performance or\nreliability requirements could result in disruption to our operations, higher costs and/or lower revenues.\nChanges in levels of U.S. government defense spending or acquisition priorities, as well as significant delays in U.S. government\nappropriations, could negatively impact our business, financial position and results of operations.\nWe derive a substantial portion of our revenue from the U.S. government, primarily from defense related programs with the United States Department of\nDefense (U.S. DoD). Levels of U.S. defense spending are very difficult to predict and may be impacted by numerous factors such as the evolving nature\nof the national security threat environment, U.S. national security strategy, U.S. foreign policy, the domestic political environment, macroeconomic\nconditions and the ability of the U.S. government to enact relevant legislation such as authorization and appropriations bills. The government may also\nconstrain discretionary spending by instituting enforceable spending caps.\nThe timeliness of annual appropriations for U.S. government departments and agencies remains a recurrent risk. Congress may fund government\ndepartments and agencies with one or more continuing resolutions, which could delay new programs or competitions and/or negatively impact the\nexecution of certain program activities. A lapse in appropriations for government departments or agencies would result in a full or partial government\nshutdown, which could impact our operations. In the event of a prolonged shutdown, requirements to furlough employees in the U.S. DoD, the\nDepartment of Transportation, including the FAA, or other government agencies could result in payment delays, impair our ability to deliver commercial\nairplanes or perform work on existing contracts, delays in the certification of new aircraft or otherwise impact our operations, negatively impact future\norders, and/or cause other disruptions or delays. There is uncertainty regarding which government functions would shut down or continue operations\nduring a lapse in appropriations, and corresponding uncertainty regarding the extent or magnitude of potential impacts to our operations. For additional\ninformation on U.S. government appropriations and budgets, see \u201cManagement\u2019s Discussion & Analysis - Additional Considerations - U.S. Government\nFunding\u201d on page 28 of this Form 10-K.\nIn addition, there continues to be uncertainty with respect to future acquisition priorities and program-level appropriations for the U.S. DoD and other\ngovernment agencies (including NASA), including changes to national security and defense priorities, and tension between modernization investments,\nsustainment investments, and investments in new technologies or emergent capabilities. Future investment priority changes or budget cuts, including\nchanges associated with the authorizations and appropriations process, could result in reductions, cancellations, and/or delays of existing contracts or\nprograms or future program opportunities. Any of these impacts could have a material effect on our financial position, results of operations and/or cash\nflows.\nAs a result of the significant ongoing uncertainty with respect to both U.S. defense spending and the evolving nature of the national security threat\nenvironment, we also expect the U.S. DoD to continue to emphasize affordability, innovation, cybersecurity and delivery of technical data and software in\nits procurement processes, including the implementation of cybersecurity compliance requirements on the Defense Industrial Base, for which the supply\nchain may not be fully prepared. If we and our suppliers\n8", "4780681b-dcd9-4bf1-a115-29842a5abe7a": "Table of Contents\nare unable to adjust to these changing acquisition priorities and policies, our revenues and market share could be impacted.\nOur ability to deliver products and services that satisfy customer requirements is heavily dependent on the performance and financial stability\nof our subcontractors and suppliers, as well as on the availability of highly skilled labor, raw materials and other components.\nWe rely on other companies, including U.S. and non-U.S. subcontractors and suppliers, to provide and produce raw materials, integrated components\nand sub-assemblies, and production commodities and to perform some of the services that we provide to our customers. Many of our suppliers are\nexperiencing inflationary pressures, as well as resource constraints and disruptions due to production quality issues, global supply chain constraints,\nand labor instability. If one or more of our suppliers or subcontractors continue to experience financial difficulties, delivery delays or other performance\nproblems, we may be unable to meet commitments to our customers and our financial position, results of operations and cash flows may continue to be\nadversely impacted. In addition, if one or more of the raw materials on which we depend (such as aluminum, titanium or composites) becomes\nunavailable to us or our suppliers, or is available only at very high prices, we may be unable to deliver one or more of our products in a timely fashion or\nat budgeted costs. We continue proactively working to ensure sufficient material and parts to avoid potential near-term production disruptions, while also\nworking to mitigate the risk of future impacts from disruptions to our supply chain. In some instances, we depend upon a single source of supply. Any\nservice disruption from one of these suppliers, either due to circumstances beyond the supplier\u2019s control, such as geopolitical developments, or as a\nresult of performance problems or financial difficulties, could have a material adverse effect on our ability to meet commitments to our customers or\nincrease our operating costs.\nSome of our and our suppliers\u2019 workforces are represented by labor unions, which may lead to work stoppages.\nApproximately 57,000 employees, which constitute 33% of our total workforce, were union represented as of December 31, 2023 under collective\nbargaining agreements with varying durations and expiration dates. For additional information on our principal collective bargaining agreements, see\n\u201cBusiness \n\u2013\n Human Capital\u201d on page 2 of this Form 10-K. We experienced a work stoppage in 2008 when a labor strike halted commercial aircraft and\ncertain BDS program production. We may experience additional work stoppages in the future, which could adversely affect our business. We cannot\npredict how stable our union relationships, currently with 10 U.S. labor organizations and 4 non-U.S. labor organizations, will be or whether we will be\nable to meet the unions\u2019 requirements without impacting our financial condition. The unions may also limit our flexibility in managing our workforce and\noperations. Union actions at suppliers can also affect us. Work stoppages and instability in our union relationships could delay the production and/or\ndevelopment of our products, which could strain relationships with customers and result in lower revenues.\nCompetition within our markets and with respect to our products and services may reduce our future contracts and sales.\nThe markets in which we operate are highly competitive and one or more of our competitors may have more extensive or more specialized engineering,\nmanufacturing and marketing capabilities than we do in some areas. In our BCA business, we face aggressive international competition intent on\nincreasing market share. In our BDS business, we anticipate that the effects of defense industry consolidation, shifting acquisition and budget priorities,\nand continued cost pressure at our U.S. DoD and non-U.S. customers will intensify competition for many of our BDS products. Our BGS segment faces\ncompetition from many of the same strong U.S. and non-U.S. competitors facing BCA and BDS. Furthermore, we are facing increased international\ncompetition and cross-border consolidation of competition, and U.S. procurement and compliance requirements that could limit our ability to be cost-\ncompetitive in the\n9", "01457eed-b11f-4265-ac10-7bb276202d7c": "Table of Contents\ninternational market. There can be no assurance that we will be able to compete successfully against our current or future competitors or that the\ncompetitive pressures we face will not result in reduced revenues and market share.\nWe derive a significant portion of our revenues from non-U.S. sales and are subject to the risks of doing business in other countries.\nIn 2023, non-U.S. customers, which include foreign military sales (FMS), accounted for approximately 42% of our revenues. We expect that non-U.S.\nsales will continue to account for a significant portion of our revenues for the foreseeable future. We are subject to risks of doing business internationally,\nincluding:\n\u2022\nchanges in regulatory requirements or other executive branch actions, such as Executive Orders;\n\u2022\nchanges in the global trade environment, including disputes with authorities in non-U.S. jurisdictions, including international trade authorities,\nthat could impact sales and/or delivery of products and services outside the U.S. and/or impose costs on our customers in the form of tariffs,\nduties or penalties attributable to the importation of Boeing products and services;\n\u2022\nchanges to U.S. and non-U.S. government policies, including sourcing restrictions, requirements to expend a portion of program funds locally\nand governmental industrial cooperation or participation requirements;\n\u2022\nfluctuations in international currency exchange rates;\n\u2022\nvolatility in international political and economic environments and changes in non-U.S. national priorities and budgets, which can lead to delays\nor fluctuations in orders;\n\u2022\nthe complexity and necessity of using non-U.S. representatives and consultants;\n\u2022\nthe uncertainty of the ability of non-U.S. customers to finance purchases, including the availability of financing from the Export-Import Bank of\nthe United States;\n\u2022\nuncertainties and restrictions concerning the availability of funding credit or guarantees;\n\u2022\nimposition of domestic and international taxes, export controls, tariffs, embargoes, sanctions (such as those imposed on Russia) and other\ntrade restrictions;\n\u2022\nthe difficulty of management and operation of an enterprise spread over many countries;\n\u2022\ncompliance with a variety of non-U.S. laws, as well as U.S. laws affecting the activities of U.S. companies abroad; and\n\u2022\nunforeseen developments and conditions, including terrorism, war, epidemics and international tensions and conflicts.\nWhile the impact of these factors is difficult to predict, any one or more of these factors could adversely affect our operations in the future. For example,\nsince 2018, the U.S. and China have imposed tariffs on each other\u2019s imports. Certain aircraft parts and components that Boeing procures are subject to\nthese tariffs. We are mitigating import costs through Duty Drawback Customs procedures. Overall, the U.S.-China trade relationship remains stalled as\neconomic and national security concerns continue to be a challenge. China is a significant market for commercial aircraft and we have long-standing\nrelationships with our Chinese customers, who represent a key component of our commercial aircraft backlog. If we are unable to deliver aircraft to\ncustomers in China consistent with our assumptions and/or obtain additional orders from China in the future, we may experience reduced deliveries\nand/or lower market share. Impacts from future potential deterioration in geopolitical or trade relations between the U.S. and one or more other countries\ncould have a material adverse impact on our financial position, results of operations and/or cash flows.\n10", "c1827806-7db5-4034-a9bb-c96c3b2a9012": "Table of Contents\nWe use estimates and make assumptions in accounting for contracts and programs. Changes in our estimates and/or assumptions could\nadversely affect our future financial results.\nContract and program accounting require judgment relative to assessing risks, estimating revenues and costs and making assumptions for schedule and\ntechnical issues. Due to the size and nature of many of our contracts and programs, the estimation of total revenues and cost at completion is\ncomplicated and subject to many variables. Assumptions have to be made regarding the length of time to complete the contract or program because\ncosts also include expected increases in wages and employee benefits, material prices and allocated fixed costs. Incentives or penalties related to\nperformance on contracts are considered in estimating sales and profit rates and are recorded when there is sufficient information for us to assess\nanticipated performance. Customer and supplier claims and assertions are also assessed and considered in estimating revenues, costs and profit rates.\nEstimates of future award fees are also included in revenues and profit rates.\nWith respect to each of our commercial aircraft programs, inventoriable production costs (including overhead), program tooling and other non-recurring\ncosts and routine warranty costs are accumulated and charged as cost of sales by program instead of by individual units or contracts. A program\nconsists of the estimated number of units (accounting quantity) of a product to be produced in a continuing, long-term production effort for delivery under\nexisting and anticipated contracts limited by the ability to make reasonably dependable estimates. To establish the relationship of sales to cost of sales,\nprogram accounting requires estimates of (a) the number of units to be produced and sold in a program, (b) the period over which the units can\nreasonably be expected to be produced and (c) the units\u2019 expected sales prices, production costs, program tooling and other non-recurring costs, and\nroutine warranty costs for the total program. Several factors determine accounting quantity, including firm orders, letters of intent from prospective\ncustomers and market studies. Changes to customer or model mix, production costs and rates, learning curve, changes to price escalation indices,\ncosts of derivative aircraft, supplier performance, customer and supplier negotiations/settlements, supplier claims and/or certification issues can impact\nthese estimates. In addition, on development programs such as the 777X, 737-7 and 737-10 we are subject to risks with respect to the timing and\nconditions of aircraft certification, including potential gaps between when aircraft are certified in various jurisdictions, changes in certification processes\nand our estimates with respect to the timing of future certifications, which could have an impact on overall program status. Any such change in\nestimates relating to program accounting may adversely affect future financial performance.\nBecause of the significance of the judgments and estimation processes described above, materially different revenues and profit amounts could be\nrecorded if we used different assumptions, revised our estimates, or if the underlying circumstances were to change. Changes in underlying\nassumptions, circumstances or estimates may adversely affect future period financial performance. For additional information on our accounting policies\nfor recognizing sales and profits, see our discussion under \u201cManagement\u2019s Discussion and Analysis \u2013 Critical Accounting Estimates \u2013 Accounting for\nLong-term Contracts/Program Accounting\u201d on pages 46 - 47 and Note 1 to our Consolidated Financial Statements on pages 57 - 67 of this Form 10-K.\nWe may not realize the anticipated benefits of mergers, acquisitions, joint ventures/strategic alliances or divestitures.\nAs part of our business strategy, we may merge with or acquire businesses and/or form joint ventures and strategic alliances. Whether we realize the\nanticipated benefits from these acquisitions and related activities depends, in part, upon our ability to integrate the operations of the acquired business,\nthe performance of the underlying product and service portfolio, and the performance of the management team and other personnel of the acquired\noperations. Accordingly, our financial results could be adversely affected by unanticipated performance issues, legacy liabilities, transaction-related\ncharges, amortization of expenses related to intangibles, charges for impairment of long-term assets, credit\n11", "c1e63494-8b75-4896-a61a-52d33b2bf70a": "Table of Contents\nguarantees, partner performance and indemnifications. Consolidations of joint ventures could also impact our reported results of operations or financial\nposition. While we believe that we have established appropriate and adequate procedures and processes to mitigate these risks, there is no assurance\nthat these transactions will be successful. We also may make strategic divestitures from time to time. These transactions may result in continued\nfinancial involvement in the divested businesses, such as through guarantees or other financial arrangements, following the transaction. Nonperformance\nby those divested businesses could affect our future financial results through additional payment obligations, higher costs or asset write-downs.\nRisks Related to Our Contracts\nWe conduct a significant portion of our business pursuant to U.S. government contracts, which are subject to unique risks.\nIn 2023, 37% of our revenues were earned pursuant to U.S. government contracts, which include Foreign Military Sales (FMS) through the U.S.\ngovernment. Business conducted pursuant to such contracts is subject to extensive procurement regulations and other unique risks.\nOur sales to the U.S. government are subject to extensive procurement regulations, and changes to those regulations could increase our costs.\n New\nprocurement regulations or climate or cyber-related contractual disclosures, or changes to existing requirements, could increase our compliance costs\nor otherwise have a material impact on the operating margins of our BDS and BGS businesses. These requirements may also result in withheld\npayments and/or reduced future business if we fail to comply. For example, proposals to raise domestic content thresholds for our U.S. government\ncontracts could have negative impacts on our business. Compliance costs attributable to current and potential future procurement regulations such as\nthese could negatively impact our financial position, results of operations and/or cash flows.\nThe U.S. government may modify, curtail or terminate one or more of our contracts.\n The U.S. government contracting party may modify, curtail or\nterminate its contracts and subcontracts with us, without prior notice and either at its convenience or for default based on performance. In addition,\nfunding pursuant to our U.S. government contracts may be reduced or withheld as part of the U.S. Congressional appropriations process due to changes\nin U.S. national security strategy and/or priorities, fiscal constraints, including enforceable spending caps, a sequester or a lack of funding available to\npay incurred obligations, or for other reasons. Further uncertainty with respect to ongoing programs could also result in the event that the U.S.\ngovernment finances its operations through temporary funding measures such as \u201cContinuing Resolutions\u201d rather than full-year appropriations. Any loss\nor anticipated loss or reduction of expected funding and/or modification, curtailment or termination of one or more large programs could have a material\nadverse effect on our financial position, results of operations and/or cash flows.\nWe are subject to U.S. government inquiries and investigations, including periodic audits of costs that we determine are reimbursable under U.S.\ngovernment contracts.\n U.S. government agencies, including the Defense Contract Audit Agency and the Defense Contract Management Agency,\nroutinely audit government contractors. These agencies review our performance under contracts, cost structure and compliance with applicable laws,\nregulations and standards, as well as the adequacy of and our compliance with our internal control systems and policies. Any costs found to be\nmisclassified or inaccurately allocated to a specific contract will be deemed non-reimbursable, and to the extent already reimbursed, must be refunded.\nAny inadequacies in our systems and policies could result in withholds on billed receivables, penalties and reduced future business. Furthermore, if any\naudit, inquiry or investigation uncovers improper or illegal activities, we could be subject to civil and criminal penalties and administrative sanctions,\nincluding termination of contracts, forfeiture of profits, suspension of payments, fines and suspension or debarment from doing business with the U.S.\ngovernment. We also\n12", "02776fe0-aed1-43b1-978e-2c49f91324ee": "Table of Contents\ncould suffer reputational harm if allegations of impropriety were made against us, even if such allegations are later determined to be false.\nWe enter into fixed-price contracts, which could subject us to losses if we have cost overruns.\nOur BDS and BGS defense businesses generated approximately 58% and 65% of their 2023 revenues from fixed-price contracts. While fixed-price\ncontracts enable us to benefit from performance improvements, cost reductions and efficiencies, they also subject us to the risk of reduced margins or\nincurring losses if we are unable to achieve estimated costs and revenues. If our estimated costs exceed our estimated price, we recognize reach-\nforward losses which can significantly affect our reported results. For example, during the year ended December 31, 2023, BDS recorded $1,585 million\nof additional losses on its five most significant fixed-price development programs (Commercial Crew, KC-46A Tanker, MQ-25, T-7A Red Hawk, and VC-\n25B Presidential Aircraft). We continue to experience production disruptions and inefficiencies due to technical challenges, supplier disruption and\nfactory performance. These factors have contributed to significant earnings charges on a number of fixed-price development programs which are\nexpected to adversely affect cash flows in future periods, and may result in future earnings charges and adverse cash flow effects. Production and\nsupplier disruptions, inefficiencies, technical challenges, quality issues and labor instability also contributed to lower earnings on fixed-price production\nprograms in 2023. New programs could also have risk for reach-forward loss upon contract award and during the period of contract performance. The\nlong-term nature of many of our contracts makes the process of estimating costs and revenues on fixed-price contracts inherently risky. Fixed-price\ncontracts often contain price incentives and penalties tied to performance, which can be difficult to estimate and have significant impacts on margins. In\naddition, some of our contracts have specific provisions relating to cost, schedule and performance.\nEstimating costs to complete fixed-price development contracts is generally subject to more uncertainty than fixed-price production contracts. Many of\nthese development programs have highly complex designs and technical challenges. In addition, technical or quality issues could lead to schedule\ndelays and cost impacts, which could increase our estimated cost to perform the work or reduce our estimated price, either of which could result in a\nmaterial charge or otherwise adversely affect our financial condition.\nWe enter into cost-type contracts, which also carry risks.\nOur BDS and BGS defense businesses generated approximately 42% and 35% of their 2023 revenues from cost-type contracting arrangements. Some\nof these are development programs that have complex design and technical challenges. These cost-type programs typically have award or incentive fees\nthat are subject to uncertainty and may be earned over extended periods. In these cases the associated financial risks are primarily reduced award or\nincentive fees, lower profit rates or program cancellation if cost, schedule or technical performance issues arise. Examples of programs with cost-type\ncontracts include Ground-based Midcourse Defense, Proprietary and Space Launch System programs.\nWe enter into contracts that include in-orbit incentive payments that subject us to risks.\nContracts in the commercial satellite industry and certain government satellite contracts include in-orbit incentive payments. These in-orbit payments\nmay be paid over time after final satellite acceptance or paid in full prior to final satellite acceptance. In both cases, the in-orbit incentive payment is at\nrisk if the satellite does not perform to specifications for up to 15 years after acceptance. The net present value of in-orbit incentive fees we ultimately\nexpect to realize is recognized as revenue in the construction period. If the satellite fails to meet contractual performance criteria, customers will not be\nobligated to continue making in-orbit payments and/or we may be required to provide refunds to the customer and incur significant charges.\n13", "2ace39d6-6d7e-4d04-b540-0fce576b262f": "Table of Contents\nRisks Related to Cybersecurity and Business Disruptions\nUnauthorized access to our, our customers\u2019 and/or our suppliers\u2019 information and systems could negatively impact our business.\nWe rely extensively on information technology systems and networks to operate our company and meet our business objectives. We face various cyber\nsecurity threats, including attempts to gain unauthorized access to our systems and networks, denial-of-service attacks, threats to our information\ntechnology infrastructure, ransomware and phishing attacks, and attempts to gain unauthorized access to our company-, customer- and employee-\nsensitive information. These threats come from a variety of actors some of which are highly organized and sophisticated such as nation-state actors and\ncriminal enterprises. In addition, the techniques used in cyberattacks evolve rapidly, including from emerging technologies, such as advanced forms of\nautomation and artificial intelligence. As cyber threats increase in volume and sophistication, the risk to the security of these systems and networks \u2013\nand to the confidentiality, integrity, and availability of the data they house \u2013 continues to evolve, requiring constant vigilance and concerted, company-\nwide risk management efforts.\nA cyber-related attack or security breach, whether experienced directly or through our supply chain or third party-service providers, could, among other\nserious consequences, result in loss of intellectual property; allow unauthorized access to or cause the publication of various categories of sensitive,\nproprietary or customer data; cause disruption or degradation of our business operations; compromise our products or services; and/or result in\nreputational harm. To address these risks, we maintain an extensive network of technical security controls, policy enforcement mechanisms, monitoring\nsystems, contractual arrangements, tools and related services, and management and Board oversight. While these measures are designed to prevent,\ndetect, respond to, and mitigate unauthorized activity, there is no guarantee that they will be sufficient to prevent or mitigate the risk of a cyber-related\nattack or incident, or allow us to detect, report or respond adequately in a timely manner.\nWe have experienced, and may in the future experience, whether directly or through our supply chain, third-party service providers or other channels,\ncybersecurity incidents. While prior cyber-related attacks and incidents (including those at our wholly-owned subsidiaries Boeing Distribution, Inc. in\n2023 and Jeppesen Inc. in 2022) have not materially affected our business strategy, results of operations or financial condition, there is no guarantee that\na future cyber-related attack or incident would not result in significant operational, regulatory, or financial impacts that could materially affect our\nbusiness strategy, results of operations or financial condition.\nIn addition, we manage information and information technology systems for certain customers and suppliers. Many of these customers and suppliers\nface similar security threats. If we were unable to protect against the unauthorized access, release or corruption of our customers\u2019 or suppliers\u2019\nconfidential, classified or personally identifiable information, we could suffer a loss of business, face regulatory actions or face financial or other losses\nthat could materially affect our business strategy, results of operations or financial condition.\nBusiness disruptions could seriously affect our future sales and financial condition or increase our costs and expenses.\nOur business may be impacted by disruptions including threats to physical security or our information technology systems, extreme weather (including\neffects of climate change) or other acts of nature, and pandemics or other public health crises. Any of these disruptions could affect our internal\noperations or our suppliers\u2019 operations and delay delivery of products and services to our customers. Any significant production delays, or any\ndestruction, manipulation or improper use of Boeing\u2019s or our suppliers\u2019 data, information systems or networks could impact our sales, increase our\nexpenses and/or have an adverse effect on the reputation of Boeing and of our products and services.\n14", "67f35ca5-4251-4a6c-8338-0afb9e44878d": "Table of Contents\nRisks Related to Legal and Regulatory Matters\nThe outcome of litigation and of government inquiries and investigations involving our business is unpredictable, and an adverse decision in\nany such matter could have a material effect on our financial position and results of operations.\nWe are involved in a number of litigation matters. These matters may divert financial and management resources that would otherwise be used to benefit\nour operations. No assurances can be given that the results of these matters will be favorable to us. An adverse resolution of any of these lawsuits, or\nfuture lawsuits, could have a material impact on our financial position and results of operations. In addition, we are subject to extensive regulation under\nthe laws of the United States and its various states, as well as other jurisdictions in which we operate and/or market our products. As a result, we are\nsometimes subject to government inquiries and investigations due, among other things, to our business relationships with the U.S. government, the\nheavily regulated nature of our industry, and in the case of environmental proceedings, our current or past ownership of certain property. Any such inquiry\nor investigation could result in an adverse ruling against us, which could have a material impact on our financial position, results of operations and/or\ncash flows.\nOur operations expose us to the risk of material environmental liabilities.\nWe are subject to various U.S. federal, state, local and non-U.S. laws and regulations related to environmental protection, including the discharge,\ntreatment, storage, disposal and remediation of pollutants, hazardous substances and wastes. We could incur substantial costs, including cleanup\ncosts, fines and civil or criminal sanctions, as well as third-party claims for property damage or personal injury, if we were to violate or become liable\nunder environmental laws or regulations. In some cases, we are subject to such costs due to environmental impacts attributable to our current or past\nmanufacturing operations or the operations of companies we have acquired. In other cases, we are subject to such costs due to an indemnification\nagreement between us and a third party relating to such environmental liabilities. In all cases, our current liabilities and ongoing cost assessments are\nbased on current laws and regulations. New laws and regulations, more stringent enforcement of existing laws and regulations, the discovery of\npreviously unknown contamination or the imposition of new remediation requirements could result in additional costs. For additional information relating\nto environmental contingencies, see Note 13 to our Consolidated Financial Statements.\nWe may be adversely affected by global climate change or by legal, regulatory or market responses to such change.\nIncreasing stakeholder environmental, social and governance (ESG) expectations, physical and transition risks associated with climate change,\nemerging ESG regulation, contractual requirements, and policy requirements may pose risk to our market outlook, brand and reputation, financial\noutlook, cost of capital, global supply chain and production continuity, which may impact our ability to achieve long-term business objectives. Changes\nin environmental and climate change laws or regulations could lead to additional operational restrictions and compliance requirements upon us or our\nproducts, require new or additional investments in production systems or product designs, result in additional carbon offset investments or otherwise\nnegatively impact our business and/or competitive position. Increasingly stringent aircraft performance standards and requirements including but not\nlimited to manufacturing and product air pollutant emissions, potential carbon pricing mechanisms, and sustainability disclosure requirements in the\nU.S. and other jurisdictions may result in increased costs or reputational risks and could limit our ability to manufacture and/or market certain of our\nproducts at acceptable costs, or at all. For example, certain jurisdictions including the State of California and the European Union have enacted\nlegislation which would require more stringent greenhouse gas emissions and climate risk reporting. Physical impacts of climate change, increasing\nglobal chemical restrictions and bans, and\n15", "fda6d619-711b-449f-a151-2b604dcd2c6a": "Table of Contents\nwater and waste requirements may drive increased costs to us and our suppliers and impact our production continuity and data facilities.\nFinally, from time to time, in alignment with our sustainability priorities, we establish and publicly announce goals and commitments to improve our\nenvironmental performance, such as our operational goals in areas of GHG emissions, energy, water and waste. If we fail to achieve or inadequately\nreport our progress toward achieving such goals and commitments, the resulting negative publicity could adversely affect our reputation and/or our\naccess to capital.\nRisks Related to Financing and Liquidity\nWe may be unable to obtain debt to fund our operations and contractual commitments at competitive rates, on commercially reasonable terms\nor in sufficient amounts.\nWe depend, in part, upon the issuance of debt to fund our operations and contractual commitments. As of December 31, 2023, our debt totaled $52.3\nbillion of which approximately $17.7 billion of principal payments on outstanding debt will become due over the next three years. In addition, as of\nDecember 31, 2023, our airplane financing commitments totaled $17.0 billion. If we require additional funding in order to pay off existing debt, address\nfurther impacts to our business related to market developments, fund outstanding financing commitments or meet other business requirements, our\nmarket liquidity may not be sufficient. These risks will be particularly acute if we are subject to further credit rating downgrades such as those we\nexperienced in 2020. A number of factors could cause us to incur increased borrowing costs and to have greater difficulty accessing public and private\nmarkets for debt. These factors include disruptions or declines in the global capital markets and/or a decline in our financial performance, outlook or\ncredit ratings and/or changes in demand for our products and services. The occurrence of any or all of these events may adversely affect our ability to\nfund our operations and contractual or financing commitments.\nSubstantial pension and other postretirement benefit obligations have a material impact on our earnings, shareholders\u2019 equity and cash flows\nfrom operations, and could have significant adverse impacts in future periods.\nMany of our employees have earned benefits under defined benefit pension plans. Potential pension contributions include both mandatory amounts\nrequired under the Employee Retirement Income Security Act and discretionary contributions to improve the plans' funded status. The extent of future\ncontributions depends heavily on market factors such as the discount rate and the actual return on plan assets. We estimate future contributions to\nthese plans using assumptions with respect to these and other items. Changes to those assumptions could have a significant effect on future\ncontributions as well as on our annual pension costs and/or result in a significant change to shareholders' equity. For U.S. government contracts, we\nallocate pension costs to individual contracts based on U.S. Cost Accounting Standards, which can also affect contract profitability. We also provide\nother postretirement benefits to certain of our employees, consisting principally of health care coverage for eligible retirees and qualifying dependents.\nOur estimates of future costs associated with these benefits are also subject to assumptions, including estimates of the level of medical cost increases.\nFor a discussion regarding how our financial statements can be affected by pension and other postretirement plan accounting policies, see\n\u201cManagement's Discussion and Analysis \u2013 Critical Accounting Estimates \u2013 Pension Plans\u201d on pages 47 - 48 of this Form 10-K. Although under\nGenerally Accepted Accounting Principles in the United States of America (GAAP) the timing of periodic pension and other postretirement benefit\nexpense and plan contributions are not directly related, the key economic factors that affect GAAP expense would also likely affect the amount of cash\nor stock we would contribute to our plans.\n16", "d1ed6b14-ae38-45e5-bd81-29fa50f53f79": "Table of Contents\nOur insurance coverage may be inadequate to cover all significant risk exposures.\nWe are exposed to liabilities that are unique to the products and services we provide. We maintain insurance for certain risks and, in some\ncircumstances, we may receive indemnification from the U.S. government. The amount of our insurance coverage may not cover all claims or liabilities,\nand we may be forced to bear substantial costs. For example, liabilities arising from the use of certain of our products, such as aircraft technologies,\nspace systems, spacecraft, satellites, missile systems, weapons, cybersecurity, border security systems, anti-terrorism technologies and/or air traffic\nmanagement systems may not be insurable on commercially reasonable terms. While some of these products are shielded from liability within the U.S.\nunder the SAFETY Act provisions of the 2002 Homeland Security Act, no such protection is available outside the U.S., potentially resulting in significant\nliabilities. The amount of insurance coverage we maintain may be inadequate to cover these or other claims or liabilities.\nA significant portion of our customer financing portfolio is concentrated among certain customers and in certain types of Boeing aircraft,\nwhich exposes us to concentration risks.\nA significant portion of our customer financing portfolio, which is comprised of financing receivables and operating lease equipment, is concentrated\namong certain customers and in distinct geographic regions. Our portfolio is also concentrated by varying degrees across Boeing aircraft product types,\nmost notably 717 aircraft, and among customers that we believe have less than investment-grade credit. If one or more customers holding a significant\nportion of our portfolio assets experiences financial difficulties or otherwise defaults on or does not renew its leases with us at their expiration, and we\nare unable to redeploy the aircraft on reasonable terms, or if the types of aircraft that are concentrated in our portfolio suffer greater than expected\ndeclines in value, our financial position, results of operations and/or cash flows could be materially adversely affected.\nItem 1B. Unresolved Staff Comments\nNot applicable\nItem 1C. Cybersecurity\nRisk Management and Strategy\nOur cybersecurity strategy prioritizes detection, analysis and response to known, anticipated or unexpected threats; effective management of security\nrisks; and resiliency against incidents. Our cybersecurity risk management processes include technical security controls, policy enforcement\nmechanisms, monitoring systems, employee training, contractual arrangements, tools and related services from third-party providers, and management\noversight to assess, identify and manage material risks from cybersecurity threats. We implement risk-based controls to protect our information, the\ninformation of our customers, suppliers, and other third parties, our information systems, our business operations, and our products and related services.\nWe have adopted security-control principles based on the National Institute of Standards and Technology (NIST) Cybersecurity Framework, other\nindustry-recognized standards, and contractual requirements, as applicable. We also leverage government partnerships, industry and government\nassociations, third-party benchmarking, the results from regular internal and third-party audits, threat intelligence feeds, and other similar resources to\ninform our cybersecurity processes and allocate resources.\nWe maintain security programs that include physical, administrative and technical safeguards, and we maintain plans and procedures whose objective is\nto help us prevent and timely and effectively respond to cybersecurity threats or incidents. Through our cybersecurity risk management process, we\ncontinuously monitor cybersecurity vulnerabilities and potential attack vectors to company systems as well as our aerospace products and services, and\nwe evaluate the potential operational and financial\n17", "f3473406-fa6b-429c-b1be-742972fa7ffa": "Table of Contents\neffects of any threat and of cybersecurity countermeasures made to defend against such threats. We continue to integrate our cyber practice into our\nEnterprise Risk Management program and our Compliance Risk Management program, both of which are overseen by our Board of Directors and provide\ncentral, standardized frameworks for identifying and tracking cyber-related business and compliance risks across the Company. Risks from\ncybersecurity threats to our products and services are also overseen by our Board of Directors. In addition, we periodically engage third-party\nconsultants to assist us in assessing, enhancing, implementing, and monitoring our cybersecurity risk management programs and responding to any\nincidents.\nAs part of our cybersecurity risk management process, we conduct \u201ctabletop\u201d exercises during which we simulate cybersecurity incidents to ensure that\nwe are prepared to respond to such an incident and to highlight any areas for potential improvement in our cyber incident preparedness. These exercises\nare conducted at both the technical level and senior management level, which has included participation by a member of our Board of Directors. In\naddition, all employees are required to pass a mandatory cybersecurity training course on an annual basis and receive monthly phishing simulations to\nprovide \u201cexperiential learning\u201d on how to recognize phishing attempts.\nWe have established a cybersecurity supply chain risk management program, which is a cross-functional program that forms part of our Enterprise Risk\nManagement program and is supported by our security, compliance, and supply chain organizations. Through this evolving program, we assess the risks\nfrom cybersecurity threats that impact select suppliers and third-party service providers with whom we share personal identifying and confidential\ninformation. We continue to evolve our oversight processes to mature how we identify and manage cybersecurity risks associated with the products or\nservices we procure from such suppliers. We generally require our suppliers to adopt security-control principles based on industry-recognized standards.\nWe have experienced, and may in the future experience, whether directly or through our supply chain or other channels, cybersecurity incidents. While\nprior incidents have not materially affected our business strategy, results of operations or financial condition, and although our processes are designed to\nhelp prevent, detect, respond to, and mitigate the impact of such incidents, there is no guarantee that a future cyber incident would not materially affect\nour business strategy, results of operations or financial condition. See \u201cRisks Related to Cybersecurity and Business Disruptions\u201d in \u201cRisk Factors\u201d on\npage 14 of this Form 10-K.\nGovernance\nOur Board of Directors has overall responsibility for risk oversight, with its committees assisting the Board in performing this function based on their\nrespective areas of expertise. Our Board of Directors has delegated oversight of risks related to cybersecurity to two Board committees, the Audit\nCommittee and the Aerospace Safety Committee, and each committee reports on its activities and findings to the full Board after each meeting. The\nAudit Committee is charged with reviewing our cybersecurity processes for assessing key strategic, operational, and compliance risks. Our Chief\nInformation Officer and Senior Vice President, Information Technology & Data Analytics (CIO) and our Chief Security Officer (CSO) provide presentations\nto the Audit Committee on cybersecurity risks at each of its bimonthly meetings. These briefings include assessments of cyber risks, the threat\nlandscape, updates on incidents, and reports on our investments in cybersecurity risk mitigation and governance. In addition, the Audit Committee has\ndesignated one of its members with expertise in cyber risk management to meet regularly with management and review our cybersecurity strategy and\nkey initiatives and progress toward our objectives. In the event of a potentially material cybersecurity event, the Chair of the Audit Committee is notified\nand briefed, and meetings of the Audit Committee and/or full Board of Directors would be held, as appropriate. The Aerospace Safety Committee\nprovides oversight of the risks from cybersecurity threats related to our aerospace products and services. The Aerospace Safety Committee receives\nregular updates and reports from senior management, including the Chief\n18", "2589e482-9b28-42d8-a55b-0d246eae6c68": "Table of Contents\nEngineer, the Chief Aerospace Safety Officer, and the Chief Product Security Engineer, who provide briefings on significant cybersecurity threats or\nincidents that may pose a risk to the safe operation of our aerospace products. Both committees brief the full Board on cybersecurity matters discussed\nduring committee meetings, and the CIO provides annual briefings to the Board on information technology and data analytics related matters, including\ncybersecurity.\nAt the management level, we have established a Global Security Governance Council (the Council) to further strengthen our cybersecurity risk\nmanagement activities across the Company, including the prevention, detection, mitigation, and remediation of cybersecurity incidents. The Council is\nresponsible for developing and coordinating enterprise cybersecurity policy and strategy, and for providing guidance to key management and oversight\nbodies.\nRichard Puckett, as our CSO, serves as the chair of the Council. He is responsible for overseeing a unified security program that provides cybersecurity,\nfire and protection operations, physical security, insider threat, and classified security. Mr. Puckett has nearly 30 years of experience in the\ncybersecurity industry, including, prior to joining Boeing in 2022, as Chief Information Security Officer of SAP SE and Thomson Reuters Corporation,\nVice President, Product and Commercial Security of General Electric, Inc., and Senior Security Architect at Cisco Systems, Inc. He reports directly to\nthe CIO and meets regularly with other members of senior management and the Audit Committee.\nThe Council also includes, among other senior executives, our Chief Engineer, Chief Information Officer, Chief Aerospace Safety Officer and Chief\nProduct Security Engineer, who each have several decades of business and senior leadership experience managing risks in their respective fields,\ncollectively covering all aspects of cybersecurity, data and analytics, product security engineering, enterprise engineering, safety and the technical\nintegrity of our products and services.\nThe Council meets monthly and updates key members of the Company\u2019s Executive Council on progress towards specific cybersecurity objectives. A\nstrong partnership exists between Information Technology, Enterprise Security, Corporate Audit, and Legal so that identified issues are addressed in a\ntimely manner and incidents are reported to the appropriate regulatory bodies as required.\nItem 2. Properties\nWe had approximately 89 million square feet of floor space on December 31, 2023 for manufacturing, warehousing, engineering, administration and other\nproductive uses, of which approximately 86% was located in the United States. The following table provides a summary of the floor space by business\nas of December 31, 2023:\n(Square feet in thousands)\nOwned\nLeased\nGovernment Owned\nTotal\nCommercial Airplanes\n39,919 \n7,795 \n47,714 \nDefense, Space & Security\n22,849 \n4,404 \n27,253 \nGlobal Services\n1,265 \n7,004 \n8,269 \nOther\n2,205 \n2,809 \n315 \n5,329 \nTotal\n66,238 \n22,012 \n315 \n88,565 \nOther includes sites used for corporate offices, enterprise research and development and common internal services.\n(1)\n(1) \n19", "a179607f-9f18-46ea-ac3f-e42683ae9b2f": "Table of Contents\nAt December 31, 2023, the combined square footage at the following major locations totaled more than 82 million square feet:\n\u2022\nCommercial Airplanes \u2013 Greater Seattle, WA; China; Greater Charleston, SC; Greater Los Angeles, CA; Greater Portland, OR; Greater Salt Lake\nCity, UT; Australia: Canada and Germany\n\u2022\nDefense, Space & Security \u2013 Greater St. Louis, MO; Greater Seattle, WA; Greater Los Angeles, CA; Philadelphia, PA; Mesa, AZ; Huntsville, AL;\nOklahoma City, OK; Heath, OH; Greater Washington, DC; Australia; Houston, TX; Kennedy Space Center and Greater Portland, OR\n\u2022\nGlobal Services \u2013 San Antonio, TX; Greater Dallas, TX; Great Britain; Greater Miami, FL; China; Jacksonville, FL; and Germany\n\u2022\nOther \u2013 India; Chicago, IL; Greater Los Angeles, CA; Greater St. Louis, MO; and Greater Washington, DC.\nMost runways and taxiways that we use are located on airport properties owned by others and are used jointly with others. Our rights to use such\nfacilities are provided for under long-term leases with municipal, county or other government authorities. In addition, the U.S. government furnishes us\ncertain office space, installations and equipment at U.S. government bases for use in connection with various contract activities.\nItem 3. Legal Proceedings\nCurrently, we are involved in a number of legal proceedings. For a discussion of contingencies related to legal proceedings, see Note 21 to our\nConsolidated Financial Statements, which is hereby incorporated by reference.\nItem 4. Mine Safety Disclosures\nNot applicable\n20", "1604071e-eab9-43c9-b2d0-addfe2225c73": "Table of Contents\nPART II\nItem 5. Market for Registrant\u2019s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities\nThe principal market for our common stock is the New York Stock Exchange where it trades under the symbol BA. As of January 24, 2024, there were\n84,633 shareholders of record.\nIssuer Purchases of Equity Securities\nThe following table provides information about purchases we made during the quarter ended December 31, 2023 of equity securities that are registered\nby us pursuant to Section 12 of the Exchange Act:\n(Dollars in millions, except per share data)\n(a)\n(b)\n(c)\n(d)\nTotal Number\nof Shares\nPurchased\nAverage\nPrice Paid per\nShare\nTotal Number of\nShares Purchased\nas Part of Publicly \nAnnounced Plans\nor Programs\nApproximate Dollar\nValue of Shares That May Yet\nbe Purchased Under the\nPlans or Programs\n10/1/2023 thru 10/31/2023\n7,546\n$190.17 \n11/1/2023 thru 11/30/2023\n12,373\n192.12 \n12/1/2023 thru 12/31/2023\n1,428,309\n246.44 \nTotal\n1,448,228\n$245.68 \nA total of 1,448,228 shares were transferred to us from employees in satisfaction of minimum tax withholding obligations associated with the vesting\nof restricted stock units during the period. We did not purchase any shares of our common stock in the open market pursuant to a repurchase\nprogram.\nItem 6. [Reserved]\n(1)\n(1)\n21", "0d231057-4bc5-404a-a06a-86e8734221d4": "Table of Contents\nItem 7. Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations\nConsolidated Results of Operations and Financial Condition\nOverview\nWe are a global market leader in the design, development, manufacture, sale, service and support of commercial jetliners, military aircraft, satellites,\nmissile defense, human space flight and launch systems and services. We are one of the two major manufacturers of 100+ seat airplanes for the\nworldwide commercial airline industry and one of the largest defense contractors in the U.S. While our principal operations are in the U.S., we conduct\noperations in an expanding number of countries and rely on an extensive network of non-U.S. partners, key suppliers and subcontractors.\nOur strategy is centered on successful execution in healthy core businesses \u2013 Commercial Airplanes (BCA), Defense, Space & Security (BDS) and\nGlobal Services (BGS). BCA is committed to being the leader in commercial aviation by offering airplanes and services that deliver superior design,\nsafety, quality, efficiency and value to customers around the world. BDS integrates its resources in defense, intelligence, communications, security,\nspace and services to deliver capability-driven solutions to customers at reduced costs. Our BDS strategy is to leverage our core businesses to capture\nkey next-generation programs while expanding our presence in adjacent and international markets. BGS provides support for commercial and defense\nthrough innovative, comprehensive and cost-competitive product and service solutions.\nBusiness Environment and Trends\nIn 2023, global air traffic largely recovered to 2019 levels with domestic travel continuing to be the most robust and the single-aisle market following\nclosely. International travel has mostly recovered and the wide-body market continues to be paced by the international travel recovery. The transition in\nthe international commercial market from recovery to normal market conditions is progressing slowly as China international travel remains below 2019\nlevels. We are experiencing strong demand from our airline customers globally.\nWe and our suppliers are experiencing supply chain disruptions as a result of production quality issues, global supply chain constraints, and labor\ninstability. We and our suppliers are also experiencing inflationary pressures. We continue to monitor the health and stability of the supply chain. These\nfactors have reduced overall productivity and adversely impacted our financial position, results of operations and cash flows.\nAirline financial performance, which influences demand for new capacity, has benefited from the resilient demand for travel. The International Air\nTransport Association (IATA) is estimating 2023 industry-wide profit of $23.3 billion, up from its forecast of $4.6 billion a year ago, primarily driven by\nNorth America, Europe and the Middle East. For 2024, IATA is forecasting $25.7 billion in profits for the industry globally. The overall outlook continues\nto stabilize as we face uncertainties in the environment in the near- to medium-term as airlines are facing persistently high and volatile cost of fuel and\ntight labor conditions. The global economy is expecting an easing of inflation and interest rates, with regional economic and geopolitical difficulties\nadding uncertainty to the outlook and the financial viability of some airlines and regions.\nThe long-term outlook for the industry remains positive due to the fundamental drivers of air travel demand: economic growth, increasing propensity to\ntravel due to increased trade, globalization and improved airline services driven by liberalization of air traffic rights between countries. Our Commercial\nMarket Outlook forecast projects a 3.5% growth rate in the global fleet over a 20-year period. Based on long-term global economic growth projections of\n2.6% in average annual gross domestic product, we\n22", "17f6aa45-9652-4b1b-a0bb-154e6bf08ffb": "Table of Contents\nproject demand for approximately 42,595 new airplanes over the next 20 years. The industry remains vulnerable to exogenous developments including\nfuel price spikes, credit market shocks, acts of terrorism, natural disasters, conflicts, epidemics, pandemics and increased global environmental\nregulations.\nAt BDS, we continue to see stable demand reflecting the important role our products and services have in ensuring our national security. Outside of the\nU.S., we are seeing similar solid demand as governments prioritize security, defense technology and global cooperation given evolving threats. We\ncontinue to experience production disruptions and inefficiencies due to technical challenges, supplier disruption and factory performance. These factors\nhave contributed to significant earnings charges on fixed-price development programs as well as on a number of mature programs which are continuing to\nadversely affect margins and cash flows.\nAt BGS, we expect commercial revenues to remain strong in future quarters as the commercial airline industry has largely recovered and transitions to\ngrowth. The demand outlook for our government services business remains stable.\nConsolidated Results of Operations\nThe following table summarizes key indicators of consolidated results of operations:\n(Dollars in millions, except per share data)\nYears ended December 31,\n2023\n2022\n2021\nRevenues\n$77,794\n \n$66,608 \n$62,286 \nGAAP\nLoss from operations\n($773)\n($3,519)\n($2,870)\nOperating margins\n(1.0)\n%\n(5.3)\n%\n(4.6)\n%\nEffective income tax rate\n(11.8)\n%\n(0.6)\n%\n14.8 \n%\nNet loss attributable to Boeing Shareholders\n($2,222)\n($4,935)\n($4,202)\nDiluted loss per share\n($3.67)\n($8.30)\n($7.15)\nNon-GAAP \nCore operating loss\n($1,829)\n($4,662)\n($4,043)\nCore operating margins\n(2.4\n \n%)\n(7.0 \n%)\n(6.5 \n%)\nCore loss per share\n($5.81)\n($11.06)\n($9.44)\nThese measures exclude certain components of pension and other postretirement benefit expense. See pages 43 - 45 for important information\nabout these non-GAAP measures and reconciliations to the most directly comparable GAAP measures.\n(1)\n(1)\n23", "2c7536d9-57d0-4c58-94ac-2bc4a8321f5a": "Table of Contents\nRevenues\nThe following table summarizes Revenues:\n(Dollars in millions)\nYears ended December 31,\n2023\n2022\n2021\nCommercial Airplanes\n$33,901\n \n$26,026 \n$19,714 \nDefense, Space & Security\n24,933\n \n23,162 \n26,540 \nGlobal Services\n19,127\n \n17,611 \n16,328 \nUnallocated items, eliminations and other\n(167)\n(191)\n(296)\nTotal\n$77,794\n \n$66,608 \n$62,286 \nRevenues increased by $11,186 million in 2023 compared with 2022 driven by higher revenues at all three operating segments. BCA revenues increased\nby $7,875 million primarily driven by higher 787 deliveries. BDS revenues increased by $1,771 million primarily due to higher revenues on fixed-price\ndevelopment programs. BGS revenues increased by $1,516 million primarily due to higher commercial services revenue driven by market recovery across\nthe commercial portfolio.\nRevenues increased by $4,322 million in 2022 compared with 2021 driven by higher revenues at BCA and BGS, partially offset by lower revenues at\nBDS. BCA revenues increased by $6,312 million primarily driven by higher 737 and 787 deliveries. BGS revenues increased by $1,283 million primarily\ndue to higher commercial services volume, partially offset by lower government services volume and performance. BDS revenues decreased by $3,378\nmillion primarily due to charges on fixed-price development programs, unfavorable performance across other defense programs, and lower P-8 and\nweapons volume.\nRevenues will continue to be significantly impacted until the global supply chain stabilizes, labor instability diminishes, and deliveries ramp up.\nLoss From Operations\nThe following table summarizes Loss from operations:\n(Dollars in millions)\nYears ended December 31,\n2023\n2022\n2021\nCommercial Airplanes\n($1,635)\n($2,341)\n($6,377)\nDefense, Space & Security\n(1,764)\n(3,544)\n1,544 \nGlobal Services\n3,329\n \n2,727 \n2,017 \nSegment operating loss\n(70)\n(3,158)\n(2,816)\nUnallocated items, eliminations and other\n(1,759)\n(1,504)\n(1,227)\nPension FAS/CAS service cost adjustment\n799\n \n849 \n882 \nPostretirement FAS/CAS service cost adjustment\n257\n \n294 \n291 \nLoss from operations (GAAP)\n($773)\n($3,519)\n($2,870)\nFAS/CAS service cost adjustment\n(1,056)\n(1,143)\n(1,173)\nCore operating loss (Non-GAAP)\n($1,829)\n($4,662)\n($4,043)\n The FAS/CAS service cost adjustment represents the difference between the FAS pension and postretirement service costs calculated under\nGAAP and costs allocated to the business segments.\n Core operating loss is a non-GAAP measure that excludes the FAS/CAS service cost adjustment. See pages 43 - 45.\n(1)\n(2)\n(1)\n(2)\n24", "8e80d77c-ebb4-4188-a0d8-5358bb90760f": "Table of Contents\nLoss from operations decreased by $2,746 million in 2023 compared with 2022. BDS loss from operations decreased by $1,780 million compared to the\nsame period in 2022, primarily due to a reduction in net unfavorable cumulative contract catch-up adjustments, which were $2,328 million better than the\nnet unfavorable impact in the prior year. BCA loss from operations decreased by $706 million reflecting higher deliveries and lower period expenses\nincluding lower abnormal production costs, partially offset by higher spending on research and development. BGS earnings from operations increased by\n$602 million in 2023 compared with 2022 primarily due to higher commercial services revenue. Loss from operations on Unallocated items, eliminations\nand other increased by $255 million in 2023 primarily due to higher deferred compensation expense.\nLoss from operations increased by $649 million in 2022 compared with 2021. BDS had a loss from operations of $3,544 million compared with earnings\nof $1,544 million during 2021, primarily due to charges on development programs. BCA loss from operations decreased by $4,036 million primarily due to\nthe absence in 2022 of the $3,460 million reach-forward loss taken on the 787 program in 2021, higher 737 deliveries and lower abnormal production\ncosts, partially offset by higher research and development spending, charges related to the war in Ukraine and other period expenses. BGS earnings\nfrom operations increased by $710 million in 2022 compared with 2021 primarily due to higher commercial services volume and favorable mix, partially\noffset by lower government services performance.\nCore operating loss decreased by $2,833 million in 2023 compared with 2022 and increased by $619 million in 2022 compared with 2021 primarily due to\nchanges in Segment operating loss as described above.\nUnallocated Items, Eliminations and Other \nThe most significant items included in Unallocated items, eliminations and other (expense)/income are\nshown in the following table:\n(Dollars in millions)\nYears ended December 31,\n2023\n2022\n2021\nShare-based plans\n$62\n \n($114)\n($174)\nDeferred compensation\n(188)\n117 \n(126)\nAmortization of previously capitalized interest\n(95)\n(95)\n(107)\nResearch and development expense, net\n(315)\n(278)\n(184)\nEliminations and other unallocated items\n(1,223)\n(1,134)\n(636)\nUnallocated items, eliminations and other\n($1,759)\n($1,504)\n($1,227)\nShare-based plans expense decreased by $176 million in 2023 and $60 million in 2022, primarily due to fewer share-based grants and the timing of\ncorporate allocations in 2023. The lower expense in 2022 compared to 2021 was due to decreased grants of restricted stock units (RSUs) and other\nshare-based compensation.\nDeferred compensation expense increased by $305 million in 2023, and decreased by $243 million in 2022, primarily driven by changes in broad stock\nmarket conditions.\nResearch and development expense increased by $37 million in 2023 and increased by $94 million in 2022 primarily due to spending on enterprise\nproduct development.\nEliminations and other unallocated items was largely unchanged in 2023. Eliminations and other unallocated expense increased by $498 million in 2022\nprimarily due to a $200 million settlement with the Securities and Exchange Commission related to the 737 MAX accidents, lower income from operating\ninvestments and an increase in environmental remediation expense.\n25", "f84d1562-33fe-4d7a-8109-4cf7216f3be1": "Table of Contents\nNet periodic pension benefit costs included in Loss from operations were as follows:\n(Dollars in millions)\nPension\nYears ended December 31,\n2023\n2022\n2021\nAllocated to business segments\n($801)\n($852)\n($885)\nPension FAS/CAS service cost adjustment\n799\n \n849 \n882 \nNet periodic pension benefit cost included in Loss from operations\n($2)\n($3)\n($3)\nThe pension FAS/CAS service cost adjustment recognized in Loss from operations in 2023 decreased by $50 million compared with 2022 and\ndecreased by $33 million in 2022 compared with 2021 due to changes in allocated pension cost year over year. Net periodic benefit cost included in\nLoss from operations in 2023 was largely consistent with 2022 and 2021.\nFor additional discussion related to Postretirement Plans, see Note 16 to our Consolidated Financial Statements.\nOther Earnings Items\n(Dollars in millions)\nYears ended December 31,\n2023\n2022\n2021\nLoss from operations\n($773)\n($3,519)\n($2,870)\nOther income, net\n1,227\n \n1,058 \n551 \nInterest and debt expense\n(2,459)\n(2,561)\n(2,714)\nLoss before income taxes\n(2,005)\n(5,022)\n(5,033)\nIncome tax (expense)/benefit\n(237)\n(31)\n743 \nNet loss from continuing operations\n(2,242)\n(5,053)\n(4,290)\nLess: net loss attributable to noncontrolling interest\n(20)\n(118)\n(88)\nNet loss attributable to Boeing Shareholders\n($2,222)\n($4,935)\n($4,202)\nNon-operating pension income included in Other income, net was $529 million in 2023, $881 million in 2022 and $528 million in 2021. The decreased\nincome in 2023 compared to 2022 was primarily due to higher interest cost and lower expected return on plan assets, partially offset by lower\namortization of net actuarial losses. The increased income in 2022 compared to 2021 was primarily due to lower amortization of net actuarial losses in\n2022 and a settlement loss recorded in 2021.\nNon-operating postretirement income included in Other income, net was $58 million in 2023 and 2022, and $1 million in 2021. The increased income in\n2022 was due to lower amortization of net actuarial losses.\nInterest and debt expense decreased by $102 million in 2023 and $153 million 2022 primarily due to lower average debt balances.\nFor additional discussion related to Income Taxes, see Note 4 to our Consolidated Financial Statements.\nTotal Costs and Expenses (\u201cCost of Sales\u201d)\nCost of sales, for both products and services, consists primarily of raw materials, parts, sub-assemblies, labor, overhead and subcontracting costs. Our\nBCA segment predominantly uses program accounting to account for cost of sales. Under program accounting, cost of sales for each commercial\naircraft program equals the product of (i) revenue recognized in connection with customer deliveries and (ii) the\n26", "2b329651-228a-448e-8193-efca8e394c16": "Table of Contents\nestimated cost of sales percentage applicable to the total remaining program. For long-term contracts, the amount reported as cost of sales is\nrecognized as incurred. Substantially all contracts at our BDS segment and certain contracts at our BGS segment are long-term contracts with the U.S.\ngovernment and other customers that generally extend over several years. Cost of sales for commercial spare parts is recorded at average cost.\nThe following table summarizes cost of sales:\n(Dollars in millions)\nYears ended December 31\n2023\n2022\nChange\n2022\n2021\nChange\nCost of sales\n$70,070\n \n$63,078 \n$6,992 \n$63,078 \n$59,237 \n$3,841 \nCost of sales as a % of Revenues\n90.1\n \n%\n94.7 \n%\n(4.6)\n%\n94.7 \n%\n95.1 \n%\n(0.4)\n%\nCost of sales increased by $6,992 million in 2023 compared with 2022, primarily due to higher revenues at BCA and BGS, partially offset by lower\ndevelopment charges at BDS. Cost of sales as a percentage of Revenues decreased in 2023 compared to 2022 primarily due to lower charges on BDS\ndevelopment programs.\nCost of sales increased by $3,841 million in 2022 compared with 2021, primarily due to charges recorded at BDS and higher revenues at BCA. Cost of\nsales as a percentage of Revenues remained largely consistent in 2022 compared to 2021.\nResearch and Development\nThe following table summarizes our Research and development expense:\n(Dollars in millions)\nYears ended December 31,\n2023\n2022\n2021\nCommercial Airplanes\n$2,036\n \n$1,510 \n$1,140 \nDefense, Space & Security\n919\n \n945 \n818 \nGlobal Services\n107\n \n119 \n107 \nOther\n315\n \n278 \n184 \nTotal\n$3,377\n \n$2,852 \n$2,249 \nResearch and development expense increased by $525 million in 2023 compared with 2022 primarily due to higher research and development\nexpenditures on the 777X program as well as other BCA and enterprise investments in product development.\nResearch and development expense increased by $603 million in 2022 compared with 2021 primarily due to higher research and development\nexpenditures on 777X, 737 MAX, as well as BCA and enterprise investments in product development.\n27", "f8321585-d2cc-4e13-8d12-ef1bc7c13610": "Table of Contents\nBacklog\nOur backlog at December 31 was as follows:\n(Dollars in millions)\nYears ended December 31,\n2023\n2022\nCommercial Airplanes\n$440,507\n \n$329,824 \nDefense, Space & Security\n59,012\n \n54,373 \nGlobal Services\n19,869\n \n19,338 \nUnallocated items, eliminations and other\n807\n \n846 \nTotal Backlog\n$520,195\n \n$404,381 \nContractual backlog\n$497,094\n \n$381,977 \nUnobligated backlog\n23,101\n \n22,404 \nTotal Backlog\n$520,195\n \n$404,381 \nContractual backlog of unfilled orders excludes purchase options, announced orders for which definitive contracts have not been executed, orders where\ncustomers have the unilateral right to terminate, and unobligated U.S. and non-U.S. government contract funding. The increase in contractual backlog\nduring 2023 was primarily due to increases in BCA and BDS backlog. If we are unable to deliver aircraft to customers in China consistent with our\nassumptions, and/or entry into service of the 777X, 737-7 and/or 737-10 is further delayed, we may experience reductions to backlog and/or significant\norder cancellations.\nUnobligated backlog includes U.S. and non-U.S. government definitive contracts for which funding has not been authorized. Unobligated backlog was\nlargely unchanged in 2023.\nAdditional Considerations\nU.S. Government Funding\n The Continuing Resolution enacted on January 19, 2024, continues federal funding at fiscal year 2023 appropriated levels\nthrough March 1, 2024, for selected departments and agencies, including the Department of Transportation, and through March 8, 2024, for the\nremaining departments and agencies, including the United States Department of Defense (U.S. DoD) and the National Aeronautics and Space\nAdministration (NASA). Congress and the President must enact either full-year fiscal year 2024 (FY24) appropriations bills or an additional Continuing\nResolution to fund government departments and agencies after these dates, or a partial or full government shutdown could result. U.S. government\ndiscretionary spending in FY24 and 2025 (FY25), including defense spending, was capped by the Fiscal Responsibility Act of 2023 (FRA). Additionally,\na Continuing Resolution for FY24 or FY25 in place on April 30 of the relevant fiscal year, would trigger a sequester under the FRA.\nGlobal Trade \nWe continually monitor the global trade environment in response to geopolitical economic developments, as well as changes in tariffs,\ntrade agreements or sanctions that may impact the Company.\nThe current state of U.S.-China relations remains an ongoing watch item. Since 2018, the U.S. and China have imposed tariffs on each other\u2019s imports.\nCertain aircraft parts and components that Boeing procures are subject to these tariffs. We are mitigating import costs through Duty Drawback Customs\nprocedures. China is a significant market for commercial aircraft and we have long-standing relationships with our Chinese customers, who represent a\nkey component of our commercial aircraft backlog. Overall, the U.S.-China trade relationship remains stalled as economic and national security\nconcerns continue to be a challenge.\n28", "009a1fda-cf10-4615-bd17-aa595116a456": "Table of Contents\nBeginning in June 2018, the U.S. Government imposed tariffs on steel and aluminum imports. In response to these tariffs, several major U.S. trading\npartners have imposed, or announced their intention to impose, tariffs on U.S. goods. The U.S. has subsequently reached agreements with Mexico,\nCanada, Japan, the United Kingdom, and the European Union, to ease or remove tariffs on steel and/or aluminum. We continue to monitor the potential\nfor any extra costs that may result from the remaining global tariffs.\nWe are complying with all U.S. and other government export control restrictions and sanctions imposed on certain businesses and individuals in Russia.\nWe continue to monitor and evaluate additional sanctions and export restrictions that may be imposed by the U.S. Government or other governments, as\nwell as any responses from Russia that could affect our supply chain, business partners or customers, for any additional impacts to our business.\nSupply Chain \nWe and our suppliers are experiencing supply chain disruptions as a result of global supply chain constraints and labor instability. We\nand our suppliers are also experiencing inflationary pressures. We continue to monitor the health and stability of the supply chain. These factors have\nreduced overall productivity and adversely impacted our financial position, results of operations and cash flows.\nThe current conflict in Israel and the Gaza Strip has the potential to impact certain of our suppliers, and has impacted some operations for our airline and\nlessor customers. We are closely monitoring developments, supporting our employees and customers, and will take mitigating actions as appropriate.\nSegment Results of Operations and Financial Condition\nCommercial Airplanes\nBusiness Environment and Trends\nAirline Industry Environment \nSee Overview to Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations for a\ndiscussion of the airline industry environment.\nIndustry Competitiveness \nThe commercial aircraft market and the airline industry both remain extremely competitive. Continued access to global\nmarkets remains vital to our ability to fully realize our sales potential and long-term investment returns. Approximately 78% of BCA\u2019s total backlog, in\ndollar terms, is with non-U.S. airlines. We face aggressive international competitors who are intent on increasing their market share. They offer\ncompetitive products and have access to most of the same customers and suppliers. With government support, Airbus has historically invested heavily\nto create a family of products to compete with ours. After the acquisition of a majority share of Bombardier\u2019s C Series (now A220) in 2018, Airbus\ncontinues to expand in the 100-150 seat transcontinental market. Other competitors are also in different phases of developing commercial jet aircraft,\nincluding Commercial Aircraft Corporation of China, Ltd. (COMAC), which delivered its first C919 aircraft in 2022. Some of these competitors have\nhistorically enjoyed access to government-provided financial support, including \u201claunch aid,\u201d which greatly reduces the cost and commercial risks\nassociated with airplane development activities. This has enabled the development of airplanes without broad commercial viability; others to be brought to\nmarket more quickly than otherwise possible; and many offered for sale below market-based prices. Competitors continue to make improvements in\nefficiency, which may result in funding product development, gaining market share and improving earnings. This market environment has resulted in\nintense pressures on pricing and other competitive factors, and we expect these pressures to continue or intensify in the coming years.\n29", "e9d78f48-c6df-4456-ad25-8618407b7d12": "Table of Contents\nResults of Operations\n(Dollars in millions)\nYears ended December 31,\n2023\n2022\n2021\nRevenues\n$33,901\n \n$26,026 \n$19,714 \n% of total company revenues\n44\n \n%\n39 \n%\n32 \n%\nLoss from operations\n($1,635)\n($2,341)\n($6,377)\nOperating margins\n(4.8)\n%\n(9.0)\n%\n(32.3)\n%\nResearch and development\n$2,036\n \n$1,510 \n$1,140 \nRevenues\nBCA revenues increased by $7,875 million in 2023 compared with 2022 primarily due to higher 787 deliveries in 2023.\nBCA revenues increased by $6,312 million in 2022 compared with 2021 primarily due to higher 737 and 787 deliveries in 2022.\nBCA deliveries, including intercompany deliveries, as of December 31 were as follows:\n737\n \n*\n747\n \n767\n \n*\n777\n \n787\n \nTotal\n2023\nCumulative deliveries\n8,528\n1,573\n1,303\n1,727\n1,110\nDeliveries\n396\n(9)\n1\n32\n(14)\n26\n73\n528\n2022\nCumulative deliveries\n8,132\n1,572\n1,271\n1,701\n1,037\nDeliveries\n387\n(13)\n5\n33\n(15)\n24\n31\n480\n2021\nCumulative deliveries\n7,745\n1,567\n1,238\n1,677\n1,006\nDeliveries\n263\n(16)\n7\n32\n(13)\n24\n14\n340\n*\n Intercompany deliveries identified by parentheses\nLoss From Operations\nBCA loss from operations was $1,635 million in 2023 compared with $2,341 million in 2022 reflecting higher deliveries and lower period expenses\nincluding lower abnormal production costs, partially offset by higher spending on research and development. Abnormal production costs in 2023 were\n$1,527 million, including $1,014 million related to the 787 program and $513 million related to the 777X program. Abnormal production costs in 2022 were\n$1,753 million, including $1,240 million related to the 787 program, $325 million related to the 777X program, and $188 million related to the 737\nprogram.\nBCA loss from operations was $2,341 million in 2022 compared with $6,377 million in 2021. The 2021 loss includes a reach-forward loss on the 787\nprogram of $3,460 million. The improved performance in 2022 also reflects higher 737 deliveries and lower abnormal production costs, partially offset by\nhigher research and development spending, charges related to the war in Ukraine and other period expenses. Abnormal production costs in 2021 were\n$2,355 million, including $1,887 million related to the 737 program and $468 million related to the 787 program.\n30", "acb2fc05-d465-4cf5-ab48-584e27dd3759": "Table of Contents\nBacklog\nOur total backlog represents the estimated transaction prices on unsatisfied and partially satisfied performance obligations to our customers where we\nbelieve it is probable that we will collect the consideration due and where no contingencies remain before we and the customer are required to perform.\nBacklog does not include prospective orders where customer-controlled contingencies remain, such as the customer receiving approval from its board of\ndirectors, shareholders or government or completing financing arrangements. All such contingencies must be satisfied or have expired prior to recording\na new firm order even if satisfying such conditions is highly probable. Backlog excludes options and Boeing customer financing orders as well as orders\nwhere customers have the unilateral right to terminate. A number of our customers may have contractual remedies, including rights to reject individual\nairplane deliveries if the actual delivery date is significantly later than the contractual delivery date. We address customer claims and requests for other\ncontractual relief as they arise. The value of orders in backlog is adjusted as changes to price and schedule are agreed to with customers and is\nreported in accordance with the requirements of Accounting Standards Codification (ASC) 606.\nBCA total backlog of $440,507 million at December 31, 2023 increased from $329,824 million at December 31, 2022, reflecting new orders in excess of\ndeliveries and a decrease in the value of existing orders that in our assessment do not meet the accounting requirements of ASC 606 for inclusion in\nbacklog, partially offset by order cancellations. Aircraft order cancellations during the year ended December 31, 2023 totaled $12,925 million and\nprimarily relate to 737 and 777X aircraft. The net ASC 606 adjustments for the year ended December 31, 2023 resulted in an increase to backlog of\n$20,605 million primarily due to a net decrease of 777X and 737 aircraft. ASC 606 adjustments include consideration of aircraft orders where a customer-\ncontrolled contingency may exist, as well as an assessment of whether the customer is committed to perform, impacts of geopolitical events or related\nsanctions, or whether it is probable that the customer will pay the full amount of consideration when it is due. If we are unable to deliver aircraft to\ncustomers in China consistent with our assumptions, and/or entry into service of the 777X, 737-7 and/or 737-10 is further delayed, we may experience\nreductions to backlog and/or significant order cancellations.\nAccounting Quantity\n The accounting quantity is our estimate of the quantity of airplanes that will be produced for delivery under existing and\nanticipated contracts. The determination of the accounting quantity is limited by the ability to make reasonably dependable estimates of the revenue and\ncost of existing and anticipated contracts. It is a key determinant of the gross margins we recognize on sales of individual airplanes throughout a\nprogram\u2019s life. Estimation of each program\u2019s accounting quantity takes into account several factors that are indicative of the demand for that program,\nincluding firm orders, letters of intent from prospective customers and market studies. We review our program accounting quantities quarterly.\nThe accounting quantity for each program may include units that have been delivered, undelivered units under contract and units anticipated to be under\ncontract in the reasonable future (anticipated orders). In developing total program estimates, all of these items within the accounting quantity must be\nconsidered.\n31", "2aeb57e9-5cdf-4376-b6a8-dc3b6dd2673a": "Table of Contents\nThe following table provides details of the accounting quantities and firm orders by program as of December 31. Cumulative firm orders represent the\ncumulative number of commercial jet aircraft deliveries plus undelivered firm orders. Firm orders include military derivative aircraft that are not included in\nprogram accounting quantities. All revenues and costs associated with military derivative aircraft production are reported in the BDS segment.\nProgram\n737\n \n747\n \n767\n \n777\n \n777X\n787\n \n\u2020\n2023\nProgram accounting quantities\n11,600\n1,574\n1,279\n1,790\n500\n \n1,700\nUndelivered units under firm orders\n4,332\n104\n48\n416\n726\n(8)\nCumulative firm orders\n12,860\n1,573\n1,407\n1,775\n416\n1,836\n2022\nProgram accounting quantities\n10,800\n1,574\n1,267\n1,790\n400\n1,600\nUndelivered units under firm orders\n3,653\n1\n106\n69\n244\n505\n(8)\nCumulative firm orders\n11,785\n1,573\n1,377\n1,770\n244\n1,542\n2021\nProgram accounting quantities\n10,400\n1,574\n1,243\n1,750\n350\n1,500\nUndelivered units under firm orders\n3,414\n6\n108\n58\n253\n411\n(14)\nCumulative firm orders\n11,159\n1,573\n1,346\n1,735\n253\n1,417\n\u2020\n Boeing customer financing aircraft orders are identified in parentheses.\nProgram Highlights\n737 Program\n The accounting quantity for the 737 program increased by 800 units during 2023 due to the program's normal progress of obtaining\nadditional orders and delivering airplanes. We are currently producing at a rate of 38 per month.\nOn January 5, 2024, an Alaska Airlines 737-9 flight made an emergency landing after a mid-exit door plug detached in flight. Following the accident, the\nFederal Aviation Administration (FAA) grounded and required inspections of all 737-9 aircraft with a mid-exit door plug, \nwhich constitute the large majority\nof the approximately 220 737-9 aircraft in the in-service fleet\n. On January 24, 2024, the FAA approved an enhanced maintenance and inspection process\nthat must be performed on each of the grounded 737-9 aircraft. Our 737-9 operators have begun returning their fleets to service, and many 737-9s have\ncompleted inspections and resumed revenue flights. All 737-9 aircraft in production will undergo this same enhanced inspection process prior to delivery.\nOn January 10, 2024, the FAA notified Boeing that the FAA has initiated an investigation into Boeing\u2019s quality control system.\n \nThis was followed by the\nFAA announcing actions to increase its oversight of Boeing, including conducting:\n1.\nAn audit involving the 737-9 production line and its suppliers to evaluate Boeing\u2019s compliance with approved quality procedures,\n2.\nIncreased monitoring of Boeing\u2019s 737-9 in-service events, and\n3.\nAn assessment of safety risks around delegated authority and quality oversight, and examination of options to move these functions under\nindependent third parties.\n32", "f82049df-252e-456a-8dba-7cececb3dcc9": "Table of Contents\nOn January 24, 2024, the FAA stated that it will not approve production rate increases or additional production lines for the 737 MAX until \nit is satisfied\nthat Boeing is in full compliance with required quality control procedures.\nWe are following the lead of the FAA as we work through the certification process of the 737-7 and 737-10 models. We continue to work with the FAA on\nopen actions to support 737-7 certification. During the fourth quarter of 2023, the 737-10 program received approval from the FAA to begin the first phase\nof FAA certification flight testing. At December 31, 2023, we had approximately 35 737-7 and 737-10 aircraft in inventory. We are now planning to\nincorporate engineering solutions to the de-icing systems on the 737-7 and 737-10, which will delay certification and first deliveries.\nWe are currently unable to reasonably estimate what impact the accident, the related FAA actions and certification delays will have on our financial\nposition, results of operations and cash flows.\nDuring the third quarter of 2023, we discovered non-conforming holes in the aft pressure dome of certain 737-7, 737-8 and 737 military derivative aircraft.\nRework on non-conforming fuselages with our supplier is complete and newly built aircraft meet our specifications. We do not expect inspection of\ncompleted aircraft in inventory to result in significant rework or production disruption.\nAs of December 31, 2023, we had approximately 140 737-8 aircraft in inventory that were produced prior to 2023, including 85 aircraft for customers in\nChina. Return-to-service of the China 737 MAX fleet is complete. While there continues to be uncertainty, we are continuing to work with airlines and\ngovernment officials on delivery timing and expect to deliver most of the aircraft in inventory by the end of 2024. In the event that we are unable to deliver\naircraft consistent with our assumptions, our financial position, results of operations and cash flows could be adversely affected.\nSee further discussion of the 737 MAX in Note 7, Note 13 and Note 23 to our Consolidated Financial Statements\n.\n747 Program\n We completed production of the 747 in the fourth quarter of 2022 and delivery of the last aircraft occurred in February 2023. Ending\nproduction of the 747 did not have a material impact on our financial position, results of operations or cash flows.\n767 Program\n The accounting quantity for the 767 program increased by 12 units during 2023 due to the program's normal progress of obtaining\nadditional orders and delivering airplanes. The 767 assembly line includes the commercial program and a derivative to support the KC-46A Tanker\nprogram. The commercial program has near break-even gross margins. We are currently producing at a combined rate of 3 aircraft per month.\n777 and 777X Programs\n The accounting quantity for the 777X program increased by 100 units during the year ended December 31, 2023 due to\nobtaining additional orders for the 777-9 and 777-8. We are currently producing at a combined production rate of 4 per month for the 777/777X programs.\nWe are following the lead of the FAA as we work through the certification process including obtaining approval from the FAA to begin certification flight\ntesting. We expect the first delivery of the 777-9 to occur in 2025 and the 777-8 freighter to occur in 2027. First delivery of the 777-8 passenger aircraft is\nnot expected to occur before 2030.\nIn April 2022, we decided to pause production of the 777-9 during 2022 and 2023, which resulted in cumulative abnormal production costs of $0.8 billion.\nIn the fourth quarter of 2023, the 777X program resumed production.\nThe level of profitability on the 777X program will be subject to a number of factors. These factors include aircraft certification requirements and timing,\nchange incorporation on completed aircraft, production disruption due to labor instability and supply chain disruption, customer negotiations, further\n33", "57a20397-0fd5-4ec3-b6fc-bd2d2da69db8": "Table of Contents\nproduction rate adjustments for the 777X or other commercial aircraft programs, and contraction of the accounting quantity. One or more of these factors\ncould result in reach-forward losses in future periods.\n787 Program\n The accounting quantity for the 787 program increased by 100 units during 2023 due to the program's normal progress of obtaining\nadditional orders and delivering airplanes.\nDuring 2023, we delivered 73 aircraft and increased the production rate to 5 per month beginning in October 2023. At December 31, 2023 and 2022, we\nhad approximately 50 and 90 aircraft in inventory that require rework which we expect to complete by the end of 2024.\nBeginning in 2021, the 787 program lowered production rates and paused deliveries in order to improve production quality and implement changes in the\nproduction process designed to ensure that newly-built aircraft meet our specifications. In the third quarter of 2021, we determined that production rates\nbelow 5 per month represented abnormally low production rates. This resulted in abnormal production costs, which we expensed as incurred through the\nthird quarter of 2023. We also determined that the inspections and rework costs on inventoried aircraft are excessive and should also be accounted for\nas abnormal production costs. Cumulative abnormal costs recorded through December 31, 2023 totaled $2.7 billion. The costs associated with the\nremaining rework are not expected to be significant.\nFleet Support\n We provide the operators of our commercial aircraft with assistance and services to facilitate efficient and safe airplane operation.\nCollectively known as fleet support services, these activities and services begin prior to airplane delivery and continue throughout the operational life of\nthe airplane. They include flight and maintenance training, field service support, engineering services, information services and systems and technical\ndata and documents. The costs for fleet support are expensed as incurred and have historically been approximately 1% of total consolidated costs of\nproducts and services.\nAdditional Considerations\nThe development and ongoing production of commercial aircraft is extremely complex, involving extensive coordination and integration with suppliers and\nhighly-skilled labor from employees and other partners. Meeting or exceeding our performance and reliability standards, as well as those of customers\nand regulators, can be costly and technologically challenging. In addition, the introduction of new aircraft and derivatives, such as the 777X, 737-7 and\n737-10, involves increased risks associated with meeting development, production and certification schedules. These challenges include significant\nglobal regulatory scrutiny of all development aircraft. As a result, our ability to deliver aircraft on time, satisfy performance and reliability standards and\nachieve or maintain, as applicable, program profitability is subject to significant risks. Factors that could result in lower margins (or a material charge if\nan airplane program has or is determined to have reach-forward losses) include: changes to the program accounting quantity, customer and model mix,\nproduction costs and rates, changes to price escalation factors due to changes in the inflation rate or other economic indicators, performance or\nreliability issues involving completed aircraft, capital expenditures and other costs associated with increasing or adding new production capacity, learning\ncurve, additional change incorporation, rework or safety enhancements, operational and supply chain challenges, achieving anticipated cost reductions,\nadditional regulatory requirements in connection with certification in one or more jurisdictions, flight test and certification schedules, costs, schedule and\ndemand for new airplanes and derivatives and status of customer claims, supplier claims or assertions and other contractual negotiations. While we\nbelieve the cost and revenue estimates incorporated in the consolidated financial statements are appropriate, the technical complexity of our airplane\nprograms creates financial risk as additional completion costs may become necessary or scheduled delivery dates could be extended, which could\ntrigger termination provisions, order cancellations or other financially significant exposure.\n34", "bcfda7f1-cbbd-477a-830b-196da52b8e4e": "Table of Contents\nDefense, Space & Security\nBusiness Environment and Trends\nUnited States Government Defense Environment Overview\nIn March 2023, the U.S. government released the President's budget request for FY24, which requested $842 billion in funding for the U.S. DoD and $27\nbillion for NASA. The President's budget request does not request funding for F/A-18, V-22, or P-8 production aircraft. The P-8 program continues to\npursue U.S. and non-U.S. sales opportunities. In addition, there is ongoing uncertainty with respect to program-level appropriations for the U.S. DoD,\nNASA and other government agencies for FY24 and beyond.\nFuture budget cuts or investment priority changes, including changes associated with the authorizations and appropriations process, could result in\nreductions, cancellations and/or delays of existing contracts or programs. Any of these impacts could have a material effect on our results of operations,\nfinancial position, and/or cash flows.\nNon-U.S. Defense Environment Overview \nThe non-U.S. market continues to be driven by complex and evolving security challenges and the need to\nmodernize aging equipment and inventories. BDS expects that it will continue to have a wide range of opportunities across Asia, Europe and the Middle\nEast given the diverse regional threats. At the end of 2023, 29% of BDS backlog was attributable to non-U.S. customers.\nResults of Operations\n(Dollars in millions)\nYears ended December 31,\n2023\n2022\n2021\nRevenues\n$24,933\n \n$23,162 \n$26,540 \n% of total company revenues\n32\n \n%\n35 \n%\n43 \n%\n(Loss)/earnings from operations\n($1,764)\n($3,544)\n$1,544 \nOperating margins\n(7.1)\n%\n(15.3)\n%\n5.8 \n%\nSince our operating cycle is long-term and involves many different types of development and production contracts with varying delivery and milestone\nschedules, the operating results of a particular period may not be indicative of future operating results. In addition, depending on the customer and their\nfunding sources, our orders might be structured as annual follow-on contracts, or as one large multi-year order or long-term award. As a result, period-to-\nperiod comparisons of backlog are not necessarily indicative of future workloads. The following discussions of comparative results among periods should\nbe viewed in this context.\n35", "6e8e2c10-e659-4c51-8939-1ac87ea82fef": "Table of Contents\nDeliveries of new-build production units, including remanufactures and modifications, were as follows:\nYears ended December 31,\n2023\n2022\n2021\nF/A-18 Models\n22\n \n14 \n21 \nF-15 Models\n9\n \n12 \n16 \nT-7A Red Hawk\n3\n \nCH-47 Chinook (New)\n11\n \n19 \n15 \nCH-47 Chinook (Remanufactured)\n9\n \n9 \n5 \nAH-64 Apache (New)\n20\n \n25 \n27 \nAH-64 Apache (Remanufactured)\n57\n \n50 \n56 \nMH-139 Grey Wolf\n2\n \n4 \nKC-46 Tanker\n13\n \n15 \n13 \nP-8 Models\n11\n \n12 \n16 \nCommercial Satellites\n5\n \n4\nMilitary Satellites\n1\nTotal\n162\n \n165 \n169 \nRevenues\nBDS revenues in 2023 increased by $1,771 million compared with 2022. This increase is not indicative of future projected revenue trends. Revenues\nrelated to BDS\u2019 five major fixed-price development programs increased by $1,767 million in 2023 compared with 2022. This increase reflects lower\nunfavorable net cumulative contract catch-up adjustments in 2023 as well as higher costs incurred in 2023 to complete these contracts. Net unfavorable\ncumulative contract catch-up adjustments in 2023 were $648 million better than in 2022 largely due to lower charges on development programs in 2023,\npartially offset by unfavorable performance on other programs.\nBDS revenues in 2022 decreased by $3,378 million compared with 2021 primarily due to charges on development programs. Unfavorable performance\nacross other defense programs and lower P-8 and weapons volume also contributed to the decrease in revenue. Cumulative contract catch-up\nadjustments in 2022 were $1,858 million more unfavorable than the prior year largely due to charges on development programs.\n(Loss)/earnings From Operations\nBDS loss from operations in 2023 of $1,764 million decreased by $1,780 million compared with $3,544 million in 2022. The decrease is primarily due to\n$2,863 million of lower charges in 2023 on fixed-price development programs that were partially offset by lower earnings across other programs including\nsatellites and F-15, as well as higher period expenses. During 2023, losses incurred on the five fixed-price development programs totaled $1,585 million\ncompared with $4,448 million in 2022. Charges on fixed-price development programs in 2023 included VC-25B ($482 million), KC-46A Tanker ($309\nmillion), Commercial Crew ($288 million), T-7A Red Hawk ($275 million) and MQ-25 ($231 million). Loss from operations in 2023 includes a $315 million\nimpact from an agreement with one of our satellite customers which includes customer considerations as well as increased costs to enhance the\nconstellation and meet lifecycle commitments. Net unfavorable cumulative contract catch-up adjustments were $2,328 million better than in 2022.\nBDS loss from operations in 2022 of $3,544 million decreased by $5,088 million compared with earnings from operations of $1,544 million in 2021\nprimarily due to unfavorable impacts of cumulative contract catch-up adjustments ($4,284 million more unfavorable in 2022 than 2021). Volume and mix\nand higher research and development also contributed to the year over year earnings decline. Charges\n36", "c0fef585-6fee-419b-b27f-68d9308c4cb2": "Table of Contents\non fixed-price development programs in 2022 included VC-25B ($1,452 million), KC-46A Tanker ($1,374 million), MQ-25 ($579 million), T-7A Red Hawk\nProduction Options ($552 million), T-7A Red Hawk Engineering and Manufacturing Development (EMD) ($203 million), and Commercial Crew ($288\nmillion). These were partially offset by charges on the KC-46A Tanker ($402 million), VC-25B ($318 million), and Commercial Crew ($214 million)\nrecognized in 2021. The net unfavorable cumulative contract catch-up adjustments represent losses incurred on these development and other programs.\nSee further discussion of fixed-price contracts in Note 13 to our Consolidated Financial Statements.\nBDS (loss)/earnings from operations includes our share of income from equity method investments of $44 million, $13 million and $53 million primarily\nfrom our United Launch Alliance and other joint ventures in 2023, 2022 and 2021, respectively.\nBacklog\nTotal backlog of $59,012 million at December 31, 2023 was $4,639 million higher than December 31, 2022 due to the timing of awards and revenue\nrecognized on contracts awarded in prior years.\nAdditional Considerations\nOur BDS business includes a variety of development programs which have complex design and technical challenges. Some of these programs have\ncost-type contracting arrangements. In these cases, the associated financial risks are primarily reduced award or incentive fees, lower profit rates, or\nprogram cancellation if cost, schedule or technical performance issues arise. Examples of these programs include Ground-based Midcourse Defense,\nProprietary and Space Launch System programs.\nSome of our development programs are contracted on a fixed-price basis. Examples of fixed-price development programs include Commercial Crew, KC-\n46A Tanker, MQ-25, T-7A Red Hawk, VC-25B, and commercial and military satellites. A number of our ongoing fixed-price development programs have\nreach-forward losses. New programs could also have risk for reach-forward loss upon contract award and during the period of contract performance.\nMany development programs have highly complex designs. As technical or quality issues arise during development, we may experience schedule delays\nand cost impacts, which could increase our estimated cost to perform the work or reduce our estimated price, either of which could result in a material\ncharge or otherwise adversely affect our financial condition. These programs are ongoing, and while we believe the cost and fee estimates incorporated in\nthe financial statements are appropriate, the technical complexity of these programs creates financial risk as additional completion costs may become\nnecessary or scheduled delivery dates could be extended, which could trigger termination provisions or other financially significant exposure. Risk\nremains that we may be required to record additional reach-forward losses in future periods.\nGlobal Services\nBusiness Environment and Trends\nThe aerospace markets we serve include parts distribution, logistics and other inventory services; maintenance, engineering and upgrades; training and\nprofessional services; and data analytics and digital services. In 2023, commercial services volume at BGS exceeded pre-pandemic levels. We expect\nBGS commercial revenues to remain strong in future quarters as the commercial airline industry transitions from recovery to growth.\nOver the long-term, as the size of the worldwide commercial airline fleet continues to grow, so does demand for aftermarket services designed to\nincrease efficiency and extend the economic lives of aircraft. Airlines are using data analytics to plan flight operations and predictive maintenance to\nimprove\n37", "c582b493-16ee-451c-8e4c-840646c953b5": "Table of Contents\ntheir productivity and efficiency. Airlines continue to look for opportunities to reduce the size and cost of their spare parts inventory, frequently\noutsourcing spares management to third parties.\nThe demand outlook for our government services business has remained stable in 2023. Government services market segments are growing on pace\nwith related fleets, but vary based on the utilization and age of the aircraft. The U.S. government services market is the single largest individual market,\ncomprising over 50 percent of the government services markets served. Over the next decade, we expect U.S. growth to remain flat and non-U.S. fleets,\nled by Middle East and Asia Pacific customers, to add rotorcraft and commercial derivative aircraft at faster rates. We expect approximately 30 percent\nof the worldwide fleet of military aircraft to be retired and replaced over the next ten years, driving increased demand for services to maintain aging aircraft\nand enhance aircraft capability.\nBGS\u2019 major customer, the U.S. government, remains subject to the spending limits and uncertainty, which could restrict the execution of certain\nprogram activities and delay new programs or competitions.\nIndustry Competitiveness \nAviation services is a competitive market with many domestic and international competitors. This market environment has\nresulted in intense pressures on pricing, and we expect these pressures to continue or intensify in the coming years. Continued access to global\nmarkets remains vital to our ability to fully realize our sales growth potential and long-term investment returns.\nResults of Operations\n(Dollars in millions)\nYears ended December 31,\n2023\n2022\n2021\nRevenues\n$19,127\n \n$17,611 \n$16,328 \n% of total company revenues\n25\n \n%\n26 \n%\n26 \n%\nEarnings from operations\n$3,329\n \n$2,727 \n$2,017 \nOperating margins\n17.4\n \n%\n15.5 \n%\n12.4 \n%\nRevenues\nBGS revenues in 2023 increased by $1,516 million compared with 2022 primarily due to higher commercial services revenue driven by market recovery\nacross the commercial portfolio. The net unfavorable impact of cumulative contract catch-up adjustments in 2023 was $16 million worse than the net\nfavorable impact in the prior year comparable period.\nBGS revenues in 2022 increased by $1,283 million compared with 2021 primarily due to higher commercial services volume, partially offset by lower\ngovernment services volume and performance. The decrease in government services volume is partly driven by the discontinuation of an engine\ndistribution agreement in the second quarter of 2022. The net favorable impact of cumulative contract catch-up adjustments in 2022 was $137 million\nlower than the prior year.\nEarnings From Operations\nBGS earnings from operations in 2023 increased by $602 million compared with 2022, primarily due to higher commercial services revenue. The net\nunfavorable impact of cumulative contract catch-up adjustments in 2023 was $9 million higher than the prior year.\nBGS earnings from operations in 2022 increased by $710 million compared with 2021, primarily due to higher commercial services volume and favorable\nmix, partially offset by lower government services performance. The net unfavorable impact of cumulative contract catch-up adjustments in 2022 was\n$148 million worse than the net favorable impact in the prior year.\n38", "0fa605b2-f6ea-445b-8ac0-65ee442b92e9": "Table of Contents\nBacklog\nBGS total backlog of $19,869 million at December 31, 2023 increased by 3% from $19,338 million at December 31, 2022, primarily due to the timing of\nawards, partially offset by revenue recognized on contracts awarded in prior years.\nLiquidity and Capital Resources\nCash Flow Summary\n(Dollars in millions)\nYears ended December 31,\n2023\n2022\n2021\nNet loss\n($2,242)\n($5,053)\n($4,290)\nNon-cash items\n4,113\n \n4,426 \n7,851 \nChanges in assets and liabilities\n4,089\n \n4,139 \n(6,977)\nNet cash provided/(used) by operating activities\n5,960\n \n3,512 \n(3,416)\nNet cash (used)/provided by investing activities\n(2,437)\n4,370 \n9,324 \nNet cash used by financing activities\n(5,487)\n(1,266)\n(5,600)\nEffect of exchange rate changes on cash and cash equivalents\n30\n \n(73)\n(39)\nNet (decrease)/increase in cash & cash equivalents, including restricted\n(1,934)\n6,543 \n269 \nCash & cash equivalents, including restricted, at beginning of year\n14,647\n \n8,104 \n7,835 \nCash & cash equivalents, including restricted, at end of year\n$12,713\n \n$14,647 \n$8,104 \nOperating Activities\n Net cash provided by operating activities was $6.0 billion during 2023 compared with $3.5 billion during 2022. Net cash provided by\noperating activities in 2022 included a $1.5 billion income tax refund. The year-over-year improvement in cash provided by operating activities reflects\nincreases in revenues at BCA and BGS, higher Advances and progress billings ($3.3 billion) and lower payments to 737 MAX customers ($0.6 billion),\npartially offset by increased Inventories ($2.1 billion). Increases in Accrued liabilities in both years primarily reflects accrued reach-forward losses on\nBDS programs. Changes in assets and liabilities for 2023 decreased by $0.1 billion compared to 2022 primarily driven by unfavorable changes in\nInventories ($2.1 billion) and Accrued liabilities ($2.2 billion), partially offset by increases in Advances and progress billings ($3.3 billion). The change in\nInventories was primarily driven by increased production on the 737 and 777X programs, partially offset by increased deliveries for the 787 program in\n2023. The change in Accrued liabilities was primarily driven by higher accrued losses on BDS fixed-price development programs recorded in the prior\nyear. Cash provided by Advances and progress billings was $3.4 billion in 2023 as compared with $0.1 billion in 2022. Concessions paid to 737 MAX\ncustomers totaled $0.4 billion in 2023 and $1.0 billion in 2022.\nThe $6.9 billion improvement in cash provided by operating activities in 2022 was primarily driven by improved changes in assets and liabilities of $11.1\nbillion, partially offset by lower non-cash items of $3.4 billion and higher net loss of $0.8 billion. Changes in assets and liabilities for 2022 improved by\n$11.1 billion compared with 2021 primarily driven by favorable changes in Accrued liabilities ($6.6 billion), Accounts payable ($4.6 billion) and Inventories\n($1.5 billion), partially offset by a decrease in Advances and progress billings ($2.4 billion) in 2022. The increase in Accrued liabilities was primarily driven\nby the accrued losses on BDS fixed-price development programs, lower payments to 737 MAX customers in 2022, and a $0.7 billion payment in 2021\nconsistent with the terms of the Deferred Prosecution Agreement between Boeing and the U.S. Department of Justice. Concessions paid to 737 MAX\ncustomers totaled $1.0 billion and $2.5 billion during 2022 and 2021. Growth in Accounts payable in 2022 was a source of cash while reductions in\nAccounts payable in 2021 was a use of cash,\n39", "32b62a95-c57a-4670-960a-3a1aeead1d95": "Table of Contents\ngenerally reflecting increases in production rates. Inventory improvements were driven by higher 737 MAX deliveries and resumption of 787 deliveries in\n2022. Additionally, in 2022 and 2021 we received income tax refunds of $1.5 billion and $1.7 billion. Cash provided by Advances and progress billings\nwas $0.1 billion in 2022 as compared with $2.5 billion in 2021. The $3.4 billion reduction in non-cash items in 2022 was primarily driven by the $3.5\nbillion reach-forward loss on the 787 program that was recorded in 2021. Net loss for 2022 was $5.1 billion compared with net loss of $4.3 billion in 2021.\nThe $0.8 billion year-over-year increase in the net loss was primarily driven by the absence of an income tax benefit in 2022.\nPayables to suppliers who elected to participate in supply chain financing programs increased by $0.4 billion in 2023, increased by $0.2 billion in 2022,\nand decreased by $1.5 billion in 2021. Supply chain financing is not material to our overall liquidity. The decrease in 2021 was primarily due to reductions\nin commercial purchases from suppliers.\nInvesting Activities\n Cash used by investing activities during 2023 was $2.4 billion, compared with cash provided of $4.4 billion during 2022 and $9.3\nbillion during 2021. The increase in use of cash in 2023 compared to 2022 was primarily due to net contributions to investments of $0.7 billion in 2023\ncompared to net proceeds from investments of $5.6 billion in 2022. The decrease in cash inflows in 2022 compared to 2021 was primarily due to $4.2\nbillion of higher net proceeds from investments in 2021. Capital expenditures totaled $1.5 billion in 2023, compared with $1.2 billion in 2022 and $1.0\nbillion in 2021. We expect capital expenditures to grow in 2024 compared with 2023.\nFinancing Activities\n Cash used by financing activities was $5.5 billion during 2023, compared with $1.3 billion during 2022, and $5.6 billion in 2021. The\nincrease of $4.2 billion compared with 2022 primarily reflects higher net debt repayments in 2023. During 2023, debt repayments net of new borrowings\nwere $5.1 billion compared with $1.3 billion in 2022 and $5.6 billion in 2021.\nAt December 31, 2023 and 2022 debt balances totaled $52.3 billion and $57.0 billion, of which $5.2 billion were classified as short-term for both periods.\nWe had 1.7 million, 0.2 million and 0.3 million shares transferred to us from employee tax withholdings in 2023, 2022 and 2021, respectively. The\nincrease in 2023 was primarily due to the vesting of a one-time RSU grant awarded to most employees in December 2020. In 2020, we announced the\nsuspension of our dividend until further notice. As a result, we did not pay any dividends in 2023, 2022 and 2021.\nCapital Resources\nThe following table summarizes certain cash requirements for known contractual and other obligations as of December 31, 2023, and the estimated\ntiming thereof. See Note 12 for future operating lease payments.\n(Dollars in millions)\nCurrent\nLong-term\nTotal\nLong-term debt (including current portion)\n$5,212 \n$47,587 \n$52,799 \nInterest on debt\n2,146 \n29,254 \n31,400 \nPension and other postretirement\n495 \n7,582 \n8,077 \nPurchase obligations\n61,963 \n79,159 \n141,122 \n40", "4fe22ee6-0855-407d-a327-2c12493375aa": "Table of Contents\nWe expect to be able to fund our cash requirements through cash and short-term investments and cash provided by operations, as well as continued\naccess to capital markets. At December 31, 2023, we had $12.7 billion of cash, $3.3 billion of short-term investments, and $10.0 billion of unused\nborrowing capacity on revolving credit line agreements. In the third quarter of 2023, we entered into a $3.0 billion five-year revolving credit agreement\nexpiring in August 2028 and a $0.8 billion 364-day revolving credit agreement expiring in August 2024. The 364-day credit facility has a one-year term out\noption which allows us to extend the maturity of any borrowings until August 2025. The legacy three-year revolving credit agreement expiring in August\n2025, which consists of $3.0 billion of total commitments, and the legacy five-year revolving credit agreement expiring in October 2024, as amended,\nwhich consists of $3.2 billion of total commitments, each remain in effect. We anticipate that these credit lines will remain undrawn and primarily serve\nas back-up liquidity to support our general corporate borrowing needs.\nOur credit ratings were downgraded in 2020 and remained unchanged as of December 31, 2023. During the fourth quarter of 2023, Fitch upgraded our\ncredit rating outlook from stable to positive driven by declining inventory levels, improving production and delivery profile, growing backlog, and forecasted\npositive free cash flow. During the third quarter of 2023, S&P upgraded the outlook on our credit rating from negative to stable primarily driven by\nimproving deliveries and expected increases in production. During the first quarter of 2023, Moody's upgraded the outlook on our credit rating from\nnegative to stable primarily driven by an improvement in operating cash flow and a reduction of 737 and 787 aircraft in inventory.\nWe expect to be able to access capital markets when we require additional funding in order to pay off existing debt, address further impacts to our\nbusiness related to market developments, fund outstanding financing commitments or meet other business requirements. A number of factors could\ncause us to incur increased borrowing costs and to have greater difficulty accessing public and private markets for debt. These factors include\ndisruptions or declines in the global capital markets and/or a decline in our financial performance, outlook or credit ratings, and/or associated changes in\ndemand for our products and services. These risks will be particularly acute if we are subject to further credit rating downgrades such as those we\nexperienced in 2020. The occurrence of any or all of these events may adversely affect our ability to fund our operations and financing or contractual\ncommitments.\nAny future borrowings may affect our credit ratings and are subject to various debt covenants. At December 31, 2023, we were in compliance with the\ncovenants for our debt and credit facilities. The most restrictive covenants include a limitation on mortgage debt and sale and leaseback transactions as\na percentage of consolidated net tangible assets (as defined in the credit agreements) and a limitation on consolidated debt as a percentage of total\ncapital (as defined in the credit agreements). When considering debt covenants, we continue to have substantial borrowing capacity.\nPension and Other Postretirement Benefits\n Pension cash requirements are based on an estimate of our minimum funding requirements, pursuant to\nEmployee Retirement Income Security Act (ERISA) regulations, although we may make additional discretionary contributions. Estimates of other\npostretirement benefits are based on both our estimated future benefit payments and the estimated contributions to plans that are funded through trusts.\nAt December 31, 2023 and 2022, our pension plans were $5.4 billion and $5.3 billion underfunded as measured under U.S. generally accepted\naccounting principles (GAAP). On an ERISA basis, our plans are more than 100% funded at December 31, 2023. We do not expect to make significant\ncontributions to our pension plans in 2024. We may be required to make higher contributions to our pension plans in future years.\nFor the foreseeable future, we are using common stock in lieu of cash to fund Company contributions to our 401(k) plans.\n41", "58930dc6-ca27-4e74-ac96-2aedde9b3aa9": "Table of Contents\nPurchase Obligations\n Purchase obligations represent contractual agreements to purchase goods or services that are legally binding; specify a fixed,\nminimum or range of quantities; specify a fixed, minimum, variable or indexed price provision; and specify approximate timing of the transaction.\nPurchase obligations include amounts recorded as well as amounts that are not recorded on the Consolidated Statements of Financial Position.\nPurchase obligations not recorded on the Consolidated Statements of Financial Position include agreements for inventory procurement, tooling costs,\nelectricity and natural gas contracts, property, plant and equipment, information technology software and hardware, and other miscellaneous production\nrelated obligations. The most significant obligation relates to inventory procurement contracts. We have entered into certain significant inventory\nprocurement contracts that specify determinable prices and quantities, and long-term delivery timeframes. In addition, we purchase raw materials on\nbehalf of our suppliers. These agreements require suppliers and vendors to be prepared to build and deliver items in sufficient time to meet our production\nschedules. The need for such arrangements with suppliers and vendors arises from the extended production planning horizon for many of our products. A\nsignificant portion of these inventory commitments is supported by firm contracts with customers and/or has historically resulted in settlement through\nreimbursement from customers for penalty payments to the supplier should the customer not take delivery. These amounts are also included in our\nforecasts of costs for program and contract accounting. Some inventory procurement contracts may include escalation adjustments. In these limited\ncases, we have included our best estimate of the effect of the escalation adjustment in the amounts disclosed in the table above.\nPurchase obligations recorded on the Consolidated Statements of Financial Position primarily include accounts payable and certain other current and\nlong-term liabilities, including accrued compensation.\nWe have entered into various industrial participation agreements with certain customers outside of the U.S. to facilitate economic flow back and/or\ntechnology or skills transfer to their businesses or government agencies as the result of their procurement of goods and/or services from us. These\ncommitments may be satisfied by our local operations there, placement of direct work or vendor orders for supplies, opportunities to bid on supply\ncontracts, transfer of technology or other forms of assistance. However, in some instances, our commitments may be satisfied through other parties\n(such as our vendors) who purchase supplies from our non-U.S. customers. In certain cases, penalties could be imposed if we do not meet our industrial\nparticipation commitments. During 2023, we incurred no such penalties. As of December 31, 2023, we had outstanding industrial participation\nagreements totaling $24.5 billion that extend through 2034. Purchase order commitments associated with industrial participation agreements are\nincluded in purchase obligations. To be eligible for such a purchase order commitment from us, a non-U.S. supplier must have sufficient capability to\nmeet our requirements and must be competitive in cost, quality and schedule.\nOff-Balance Sheet Arrangements\n We are a party to certain off-balance sheet arrangements including certain guarantees. For discussion of these\narrangements, see Note 14 to our Consolidated Financial Statements.\n42", "e5f2fa98-a786-46ec-969a-c6cde9301756": "Table of Contents\nCommercial Commitments\nThe following table summarizes our commercial commitments outstanding as of December 31, 2023.\n(Dollars in millions)\nTotal Amounts\nCommitted/Maximum\nAmount of Loss\nLess than\n1 year\n1-3\nyears\n4-5\nyears\nAfter 5\nyears\nStandby letters of credit and surety bonds\n$4,548 \n$3,150 \n$1,210 \n$25 \n$163 \nCommercial aircraft financing commitments\n17,003 \n1,946 \n7,927 \n4,062 \n3,068 \nTotal commercial commitments\n$21,551 \n$5,096 \n$9,137 \n$4,087 \n$3,231 \nCommercial aircraft financing commitments include commitments to provide financing related to aircraft on order, under option for deliveries or proposed\nas part of sales campaigns or refinancing with respect to delivered aircraft, based on estimated earliest potential funding dates. Customer financing\ncommitments totaled $17.0 billion and $16.1 billion at December 31, 2023 and 2022. The increase relates to new financing commitments. We anticipate\nthat we will not be required to fund a significant portion of our financing commitments as we continue to work with third party financiers to provide\nalternative financing to customers. Historically, we have not been required to fund significant amounts of outstanding commitments. However, there can\nbe no assurances that we will not be required to fund greater amounts than historically required. See Note 13 to our Consolidated Financial Statements.\nContingent Obligations\nWe have significant contingent obligations that arise in the ordinary course of business, which include the following:\nLegal\n Various legal proceedings, claims and investigations are pending against us. Legal contingencies are discussed in Note 21 to our Consolidated\nFinancial Statements.\nEnvironmental Remediation\n We are involved with various environmental remediation activities and have recorded a liability of $844 million at\nDecember 31, 2023. For additional information, see Note 13 to our Consolidated Financial Statements.\nNon-GAAP Measures\nCore Operating Earnings/(Loss), Core Operating Margin and Core Earnings/(Loss) Per Share\nOur Consolidated Financial Statements are prepared in accordance with GAAP which we supplement with certain non-GAAP financial information.\nThese non-GAAP measures should not be considered in isolation or as a substitute for the related GAAP measures, and other companies may define\nsuch measures differently. We encourage investors to review our financial statements and publicly-filed reports in their entirety and not to rely on any\nsingle financial measure. Core operating earnings/(loss), core operating margin and core earnings/(loss) per share exclude the FAS/CAS service cost\nadjustment. The FAS/CAS service cost adjustment represents the difference between the Financial Accounting Standards (FAS) pension and\npostretirement service costs calculated under GAAP and costs allocated to the business segments. Core earnings/(loss) per share excludes both the\nFAS/CAS service cost adjustment and non-operating pension and postretirement expenses. Non-operating pension and postretirement expenses\nrepresent the components of net periodic benefit costs other than service cost. Pension costs, comprising service and prior service costs computed in\naccordance with GAAP are allocated to BCA and certain BGS businesses supporting commercial customers. Pension costs allocated to BDS and BGS\nbusinesses supporting government customers are computed in accordance with U.S. Government Cost Accounting Standards (CAS), which employ\ndifferent actuarial\n43", "86adbfc7-1f99-48ad-9bc1-f773ad022347": "Table of Contents\nassumptions and accounting conventions than GAAP. CAS costs are allocable to government contracts. Other postretirement benefit costs are\nallocated to all business segments based on CAS, which is generally based on benefits paid.\nThe Pension FAS/CAS service cost adjustments recognized in Loss from operations were benefits of $799 million in 2023, $849 million in 2022 and $882\nmillion in 2021. The lower benefits in 2023 and 2022 were primarily due to reductions in allocated pension cost year over year. The non-operating pension\nexpense included in Other income, net was a benefit of $529 million in 2023, $881 million in 2022 and $528 million in 2021. The lower benefits in 2023\nwere primarily due to higher interest cost and lower expected return on plan assets, offset by lower amortization of net actuarial losses. The higher\nbenefits in 2022 were primarily due to lower amortization of net actuarial losses and a settlement loss that was recorded in 2021. For further discussion\nof pension and other postretirement costs, see the Management\u2019s Discussion and Analysis on page 26 of this Form 10-K and see Note 22 to our\nConsolidated Financial Statements.\nManagement uses core operating earnings/(loss), core operating margin and core earnings/(loss) per share for purposes of evaluating and forecasting\nunderlying business performance. Management believes these core earnings measures provide investors additional insights into operational performance\nas unallocated pension and other postretirement benefit cost primarily represent costs driven by market factors and costs not allocable to U.S.\ngovernment contracts.\n44", "90b1013a-f300-4736-8ece-2c0c8aa7c4d0": "Table of Contents\nReconciliation of Non-GAAP Measures to GAAP Measures\nThe table below reconciles the non-GAAP financial measures of core operating earnings/(loss), core operating margins and core earnings/(loss) per\nshare with the most directly comparable GAAP financial measures of Earnings/(loss) from operations, operating margins and Diluted earnings/(loss) per\nshare.\n(Dollars in millions, except per share data)\nYears ended December 31,\n2023\n2022\n2021\nRevenues\n$77,794\n \n$66,608 \n$62,286 \nLoss from operations, as reported\n($773)\n($3,519)\n($2,870)\nOperating margins\n(1.0)\n%\n(5.3)\n%\n(4.6)\n%\nPension FAS/CAS service cost adjustment\n($799)\n($849)\n($882)\nPostretirement FAS/CAS service cost adjustment\n(257)\n(294)\n(291)\nFAS/CAS service cost adjustment\n($1,056)\n($1,143)\n($1,173)\nCore operating loss (non-GAAP)\n($1,829)\n($4,662)\n($4,043)\nCore operating margins (non-GAAP)\n(2.4)\n%\n(7.0)\n%\n(6.5)\n%\nDiluted loss per share, as reported\n($3.67)\n($8.30)\n($7.15)\nPension FAS/CAS service cost adjustment\n(1.32)\n(1.43)\n(1.50)\nPostretirement FAS/CAS service cost adjustment\n(0.42)\n(0.49)\n(0.49)\nNon-operating pension expense\n(0.87)\n(1.47)\n(0.91)\nNon-operating postretirement expense\n(0.10)\n(0.10)\n \nProvision for deferred income taxes on adjustments \n0.57\n \n0.73 \n0.61 \nCore loss per share (non-GAAP)\n($5.81)\n($11.06)\n($9.44)\nWeighted average diluted shares (in millions)\n606.1\n \n595.2 \n588.0 \nFAS/CAS service cost adjustment represents the difference between the FAS pension and postretirement service costs calculated under GAAP and\ncosts allocated to the business segments. This adjustment is excluded from Core operating loss (non-GAAP)).\nNon-operating pension and postretirement expenses represent the components of net periodic benefit costs other than service cost. These\nexpenses are included in Other income, net and are excluded from Core loss per share (non-GAAP).\nThe income tax impact is calculated using the U.S. corporate statutory tax rate.\n(1)\n(1)\n(1)\n(1)\n(1)\n(2)\n(2)\n(3)\n(1)\n(2)\n(3)\n45", "e0802283-1300-48e4-8c95-c7591bc589cb": "Table of Contents\nCritical Accounting Estimates\nAccounting for Long-term Contracts\nSubstantially all contracts at BDS and certain contracts at BGS are long-term contracts. Our long-term contracts typically represent a single distinct\nperformance obligation due to the highly interdependent and interrelated nature of the underlying goods and/or services and the significant service of\nintegration that we provide.\nAccounting for long-term contracts involves a judgmental process of estimating the total revenue, costs, and profit for each performance obligation. Cost\nof sales is recognized as incurred, and revenue is determined by adding a proportionate amount of the estimated profit to the amount reported as cost of\nsales.\nDue to the size, duration and nature of many of our long-term contracts, the estimation of total revenues and costs through completion is complicated\nand subject to many variables. Total revenue estimates are based on negotiated contract prices and quantities, modified by our assumptions regarding\ncontract options, change orders, incentive and award fee provisions associated with technical performance, and price adjustment clauses (such as\ninflation or index-based clauses). The majority of these long-term contracts are with the U.S. government where the price is generally based on the\nestimated cost to produce the product or service plus profit. Federal Acquisition Regulations provide guidance on the types of cost that will be\nreimbursed in establishing contract price. Total cost estimates are largely based on negotiated or estimated purchase contract terms, historical\nperformance trends, business base and other economic projections. Factors that influence these estimates include inflationary trends, technical and\nschedule risk, internal and supplier performance trends, production quality, labor instability, global supply chain constraints, business volume\nassumptions, asset utilization, and anticipated labor agreements.\nRevenue and cost estimates for all significant long-term contract performance obligations are reviewed and reassessed quarterly. Changes in these\nestimates could result in recognition of cumulative catch-up adjustments to the contract\u2019s inception to date revenues, cost of sales and profit in the\nperiod in which such changes are made. Changes in revenue and cost estimates could also result in a reach-forward loss or an adjustment to a reach-\nforward loss which would be recorded immediately in earnings. Net cumulative catch-up adjustments for changes in estimated revenues and costs at\ncompletion across all long-term contracts, including the impact of estimated losses on unexercised options, increased Loss from operations by $2,943\nmillion, $5,253 million and $880 million in 2023, 2022 and 2021, respectively, and were primarily due to losses recognized on the VC-25B, KC-46A\nTanker, Commercial Crew, T-7A Red Hawk and MQ-25 programs. These are all fixed-price development programs, and there is ongoing risk that similar\nlosses may have to be recognized in future periods on these and/or other programs.\nDue to the significance of judgment in the estimation process described above, it is likely that materially different earnings could be recorded if we used\ndifferent assumptions or if the underlying circumstances were to change. Changes in underlying assumptions/estimates, internal and supplier\nperformance, inflationary trends, or other circumstances may adversely or positively affect financial performance in future periods. If the combined gross\nmargins for our profitable long-term contracts had been estimated to be higher or lower by 1% during 2023, it would have increased or decreased pre-tax\nincome for the year by approximately $300 million.\nProgram Accounting\nProgram accounting requires the demonstrated ability to reliably estimate revenues, costs and gross profit margin for the defined program accounting\nquantity. A program consists of the estimated number of units (accounting quantity) of a product to be produced in a continuing, long-term production\neffort for\n46", "f545f375-a755-44a0-a86c-fe5a5ffa5e3c": "Table of Contents\ndelivery under existing and anticipated contracts. The determination of the accounting quantity is limited by the ability to make reasonably dependable\nestimates.\nFactors that must be estimated include program accounting quantity, sales price, production rates, labor and employee benefit costs, material costs,\nprocured part costs, major component costs, overhead costs, program tooling and other non-recurring costs, and warranty costs. Estimation of the\naccounting quantity for each program takes into account several factors that are indicative of the demand for the particular program, such as firm orders,\nletters of intent from prospective customers and market studies. Total estimated program sales are determined by estimating the model mix and sales\nprice for all unsold units within the accounting quantity, added together with the sales prices for all undelivered units under contract. The sales prices for\nall undelivered units within the accounting quantity include an escalation adjustment for inflation that is updated quarterly. Cost estimates are based\nlargely on negotiated and anticipated contracts with suppliers, historical performance trends, and business base and other economic projections.\nFactors that influence these estimates include production rates, internal and supplier performance trends, production quality, labor instability, global\nsupply chain constraints, learning curve, change incorporation, rework or safety enhancements, regulatory requirements, flight test and certification\nrequirements and schedules, performance or reliability issues involving completed aircraft, customer and/or supplier claims or assertions, asset\nutilization, anticipated labor agreements, and inflationary or deflationary trends.\nThe introduction of new aircraft and derivatives, such as the 777X, 737-7 and 737-10, involves increased risks associated with meeting development,\ncertification, and production schedules.\n \nThese challenges include significant global regulatory scrutiny of all development aircraft. As a result, our ability\nto deliver aircraft on time, satisfy performance and reliability standards and achieve or maintain, as applicable, program profitability is subject to\nsignificant risks.\nTo ensure reliability in our estimates, we employ a rigorous estimating process that is reviewed and updated on a quarterly basis. This includes\nreassessing the accounting quantity. Changes in estimates of program gross profit margins are normally recognized on a prospective basis; however,\nwhen estimated costs to complete a program plus costs already included in inventory exceed estimated revenues from the program, a loss is recorded\nin the current period. Reductions to the estimated loss are included in the gross profit margin for undelivered units in the accounting quantity whereas\nincreases to the estimated loss are recorded as an earnings charge in the period in which the loss is determined.\nThe 767, 777X, and 787 programs had near break-even or single digit margins at December 31, 2023. Adverse changes to the revenue and/or cost\nestimates for these programs could result in earnings charges in future periods.\nDue to the significance of judgment in the estimation process described above, it is reasonably possible that changes in underlying circumstances or\nassumptions could have a material effect on program gross margins. If the combined gross margin percentages for our commercial airplane programs\nhad been estimated to be 1% higher or lower it would have an approximately $330 million impact on operating earnings for the year ended December 31,\n2023.\nPension Plans\nMany of our employees have earned benefits under defined benefit pension plans. The majority of employees that had participated in defined benefit\npension plans have transitioned to a company-funded defined contribution retirement savings plan. Accounting rules require an annual measurement of\nour projected obligation and plan assets. These measurements are based upon several assumptions. Future changes in assumptions or differences\nbetween actual and expected outcomes can significantly affect our future annual expense, projected benefit obligation and Shareholders\u2019 equity.\n47", "865ca005-2ff6-4546-9f66-356eef72c4e8": "Table of Contents\nThe projected benefit obligation is sensitive to discount rates. The projected benefit obligation would decrease by $1,280 million or increase by $1,425\nmillion if the discount rate increased or decreased by 25 basis points. A 25 basis point change in the discount rate would not have a significant impact\non pension cost. However, net periodic pension cost is sensitive to changes in the expected long-term rate of asset return. A decrease or increase of 25\nbasis points in the expected long-term rate of asset return would have increased or decreased 2023 net periodic pension cost by $150 million. See Note\n16 of the Notes to our Consolidated Financial Statements, which includes the discount rate and expected long-term rate of asset return assumptions for\nthe last three years.\nDeferred Income Taxes \u2013 Valuation Allowance\nThe Company had deferred income tax assets of $14,743 million at December 31, 2023 that can be used in future years to offset taxable income and\nreduce income taxes payable. The Company had deferred income tax liabilities of $10,363 million at December 31, 2023 that will partially offset deferred\nincome tax assets and result in higher taxable income in future years and increase income taxes payable. Tax law determines whether future reversals\nof temporary differences will result in taxable and deductible amounts that offset each other in future years. The particular years in which temporary\ndifferences result in taxable or deductible amounts generally are determined by the timing of the recovery of the related asset or settlement of the related\nliability.\nOn a quarterly basis, we assess the likelihood that we will be able to recover our deferred tax assets against future sources of taxable income and\nreduce the carrying amounts of deferred tax assets by recording a valuation allowance if, based on the available evidence, it is more likely than not\n(defined as a likelihood of more than 50%) that all or a portion of such assets will not be realized.\nThis assessment takes into account both positive and negative evidence. A recent history of financial reporting losses is heavily weighted as a source of\nobjectively verifiable negative evidence. Due to our recent history of losses, we determined we could not include future projected earnings in our analysis.\nRather, we use systematic and logical methods to estimate when deferred tax liabilities will reverse and generate taxable income and when deferred tax\nassets will reverse and generate tax deductions. The selection of methodologies and assessment of when temporary differences will result in taxable or\ndeductible amounts involves significant management judgment and is inherently complex and subjective. We believe that the methodologies we use are\nreasonable and can be replicated on a consistent basis in future periods.\nDeferred tax liabilities represent the assumed source of future taxable income and the majority are assumed to generate taxable amounts during the\nnext five years. Deferred tax assets include amounts related to pension and other postretirement benefits that are assumed to generate significant\ndeductible amounts beyond five years. The Company\u2019s valuation allowance of $4,550 million at December 31, 2023 primarily relates to pension and other\npostretirement benefit obligation deferred tax assets, tax net operating losses, tax credits and interest carryforwards that are assumed to reverse beyond\nthe period in which reversals of deferred tax liabilities are assumed to occur. During 2023, the Company increased the valuation allowance by $1,388\nmillion primarily due to tax credits and other carryforwards generated in 2023 that cannot be realized in 2023. Until the Company generates sustained\nlevels of profitability, additional valuation allowances may have to be recorded with corresponding adverse impacts on earnings and/or other\ncomprehensive income.\nFor additional information regarding income taxes, see Note 4 of the Notes to the Consolidated Financial Statements.\n48", "892b1de5-1e17-480a-9660-087f1494f8d3": "Table of Contents\nItem 7A. Quantitative and Qualitative Disclosures About Market Risk\nInterest Rate Risk\nWe have financial instruments that are subject to interest rate risk, principally fixed-rate debt obligations. The investors in our fixed-rate debt obligations\ndo not generally have the right to demand we pay off these obligations prior to maturity. Therefore, exposure to interest rate risk is not believed to be\nmaterial for our fixed-rate debt.\nForeign Currency Exchange Rate Risk\nWe are subject to foreign currency exchange rate risk relating to receipts from customers and payments to suppliers in foreign currencies. We use\nforeign currency forward contracts to hedge the price risk associated with firmly committed and forecasted foreign denominated payments and receipts\nrelated to our ongoing business. Foreign currency forward contracts are sensitive to changes in foreign currency exchange rates. At December 31, 2023,\na 10% increase or decrease in the exchange rate in our portfolio of foreign currency contracts would have increased or decreased our unrealized losses\nby $361 million. Consistent with the use of these contracts to neutralize the effect of exchange rate fluctuations, such unrealized losses or gains would\nbe offset by corresponding gains or losses, respectively, in the remeasurement of the underlying transactions being hedged. When taken together, these\nforward currency contracts and the offsetting underlying commitments do not create material market risk.\nCommodity Price Risk\nWe are subject to commodity price risk relating to commodity purchase contracts for items used in production that are subject to changes in the market\nprice. We use commodity swaps and commodity purchase contracts to hedge against these potentially unfavorable price changes. Our commodity\npurchase contracts and derivatives are both sensitive to changes in the market price. At December 31, 2023, a 10% increase or decrease in the market\nprice in our commodity derivatives would have increased or decreased our unrealized losses by $37 million. Consistent with the use of these contracts to\nneutralize the effect of market price fluctuations, such unrealized losses or gains would be offset by corresponding gains or losses, respectively, in the\nremeasurement of the underlying transactions being hedged. When taken together, these commodity purchase contracts and the offsetting swaps do\nnot create material market risk.\nMarket Risk\nParticipants in deferred compensation plans can diversify the deferred amounts among investment funds which are subject to potential changes in fair\nvalue. As of December 31, 2023, the deferred compensation liability, which is being marked to market, was $1.6 billion. A 10% change in the fair value of\nthese investment funds would increase or decrease the liability by $164 million. Changes in the liability are recorded in operating earnings.\n49", "31fe14e5-2157-41a4-93c9-8af0cb25c805": "Table of Contents\nItem 8. Financial Statements and Supplementary Data\nIndex to the Consolidated Financial Statements\n \nPage\nConsolidated Statements of Operations\n51\nConsolidated Statements of Comprehensive Income\n52\nConsolidated Statements of Financial Position\n53\nConsolidated Statements of Cash Flows\n54\nConsolidated Statements of Equity\n55\nSummary of Business Segment Data\n56\nNote 1 - Summary of Significant Accounting Policies\n57\nNote 2 - Goodwill and Acquired Intangibles\n68\nNote 3 - Earnings Per Share\n68\nNote 4 - Income Taxes\n70\nNote 5 - Accounts Receivable\n73\nNote 6 - Allowance for Losses on Financial Assets\n73\nNote 7 - Inventories\n74\nNote 8 - Contracts with Customers\n74\nNote 9 - Financing Receivables and Operating Lease Equipment\n75\nNote 10 - Property, Plant and Equipment\n77\nNote 11 - Investments\n78\nNote 12 - Leases\n78\nNote 13 - Liabilities, Commitments and Contingencies\n80\nNote 14 - Arrangements with Off-Balance Sheet Risk\n85\nNote 15 - Debt\n86\nNote 16 - Postretirement Plans\n87\nNote 17 - Share-Based Compensation and Other Compensation Arrangements\n95\nNote 18 - Shareholders\u2019 Equity\n99\nNote 19 - Derivative Financial Instruments\n100\nNote 20 - Fair Value Measurements\n102\nNote 21 - Legal Proceedings\n104\nNote 22 - Segment and Revenue Information\n104\nN\note 23 - Su\nbsequent Events\n109\nReports of Independent Registered Public Accounting Firm\n111\n50", "b49fc197-d4f5-4a4c-b082-5b5f553cb012": "Table of Contents\nThe Boeing Company and Subsidiaries\nConsolidated Statements of Operations\n(Dollars in millions, except per share data)\n \n \n \nYears ended December 31,\n2023\n2022\n2021\nSales of products\n$\n65,581\n \n$\n55,893\n \n$\n51,386\n \nSales of services\n12,213\n \n10,715\n \n10,900\n \nTotal revenues\n77,794\n \n66,608\n \n62,286\n \nCost of products\n(\n59,864\n)\n(\n53,969\n)\n(\n49,954\n)\nCost of services\n(\n10,206\n)\n(\n9,109\n)\n(\n9,283\n)\nTotal costs and expenses\n(\n70,070\n)\n(\n63,078\n)\n(\n59,237\n)\n7,724\n \n3,530\n \n3,049\n \nIncome/(loss) from operating investments, net\n46\n \n(\n16\n)\n210\n \nGeneral and administrative expense\n(\n5,168\n)\n(\n4,187\n)\n(\n4,157\n)\nResearch and development expense, net\n(\n3,377\n)\n(\n2,852\n)\n(\n2,249\n)\nGain on dispositions, net\n2\n \n6\n \n277\n \nLoss from operations\n(\n773\n)\n(\n3,519\n)\n(\n2,870\n)\nOther income, net\n1,227\n \n1,058\n \n551\n \nInterest and debt expense\n(\n2,459\n)\n(\n2,561\n)\n(\n2,714\n)\nLoss before income taxes\n(\n2,005\n)\n(\n5,022\n)\n(\n5,033\n)\nIncome tax (expense)/benefit\n(\n237\n)\n(\n31\n)\n743\n \nNet loss\n(\n2,242\n)\n(\n5,053\n)\n(\n4,290\n)\nLess: net loss attributable to noncontrolling interest\n(\n20\n)\n(\n118\n)\n(\n88\n)\nNet loss attributable to Boeing Shareholders\n($\n2,222\n)\n($\n4,935\n)\n($\n4,202\n)\nBasic loss per share\n($\n3.67\n)\n($\n8.30\n)\n($\n7.15\n)\nDiluted loss per share\n($\n3.67\n)\n($\n8.30\n)\n($\n7.15\n)\nSee Notes to the Consolidated Financial Statements on pages 57 - 110.\n51", "a5aee96f-a0be-402f-a93a-53ec73c1c1f7": "Table of Contents\nThe Boeing Company and Subsidiaries\nConsolidated Statements of Comprehensive Income\n(Dollars in millions)\nYears ended December 31,\n2023\n \n2022 \n2021 \nNet loss\n($\n2,242\n)\n($\n5,053\n)\n($\n4,290\n)\nOther comprehensive (loss)/income, net of tax:\nCurrency translation adjustments\n33\n \n(\n62\n)\n(\n75\n)\nUnrealized gain/(loss) on certain investments, net of tax of $\n0\n, $\n0\n and $\n0\n2\n \n(\n1\n)\nDerivative instruments:\nUnrealized gain/(loss) arising during period, net of tax of ($\n11\n), $\n12\n and ($\n16\n)\n41\n \n(\n40\n)\n55\n \nReclassification adjustment for (gain)/loss included in net loss, net of tax of $\n1\n, ($\n3\n) and $\n2\n(\n5\n)\n10\n \n(\n6\n)\nTotal unrealized gain/(loss) on derivative instruments, net of tax\n36\n \n(\n30\n)\n49\n \nDefined benefit pension plans & other postretirement benefits:\nNet actuarial (loss)/gain arising during the period, net of tax of $\n13\n, ($\n22\n) and ($\n32\n)\n(\n722\n)\n1,533\n \n4,262\n \nAmortization of actuarial (gain)/loss included in net periodic pension cost, net of tax of $\n0\n, ($\n11\n)\nand ($\n8\n)\n(\n2\n)\n791\n \n1,155\n \nSettlement (gain)/loss included in net periodic cost, net of tax of $\n0\n, $\n0\n and ($\n2\n)\n(\n4\n)\n191\n \nAmortization of prior service credits included in net periodic pension cost, net of tax of $\n1\n, $\n2\n and\n$\n1\n(\n102\n)\n(\n114\n)\n(\n114\n)\nPrior service credit arising during the period, net of tax of $\n0\n, $\n0\n and $\n0\n(\n1\n)\n \nPension and postretirement (cost)/benefit related to our equity method investments, net of tax of\n$\n0\n, $\n0\n and ($\n2\n)\n(\n3\n)\n6\n \nTotal defined benefit pension plans & other postretirement benefits, net of tax\n(\n826\n)\n2,202\n \n5,500\n \nOther comprehensive (loss)/income, net of tax\n(\n755\n)\n2,109\n \n5,474\n \nComprehensive (loss)/income, net of tax\n(\n2,997\n)\n(\n2,944\n)\n1,184\n \nLess: Comprehensive loss related to noncontrolling interest\n(\n20\n)\n(\n118\n)\n(\n88\n)\nComprehensive (loss)/income attributable to Boeing Shareholders, net of tax\n($\n2,977\n)\n($\n2,826\n)\n$\n1,272\n \nSee Notes to the Consolidated Financial Statements on pages 57 - 110.\n52", "bf3ec997-5603-495a-99a7-286b58ad83f8": "Table of Contents\nThe Boeing Company and Subsidiaries\nConsolidated Statements of Financial Position\n(Dollars in millions, except per share data)\n \n \nDecember 31,\n2023\n2022\nAssets\nCash and cash equivalents\n$\n12,691\n \n$\n14,614\n \nShort-term and other investments\n3,274\n \n2,606\n \nAccounts receivable, net\n2,649\n \n2,517\n \nUnbilled receivables, net\n8,317\n \n8,634\n \nCurrent portion of financing receivables, net\n99\n \n154\n \nInventories\n79,741\n \n78,151\n \nOther current assets, net\n2,504\n \n2,847\n \nTotal current assets\n109,275\n \n109,523\n \nFinancing receivables and operating lease equipment, net\n860\n \n1,450\n \nProperty, plant and equipment, net\n10,661\n \n10,550\n \nGoodwill\n8,093\n \n8,057\n \nAcquired intangible assets, net\n2,094\n \n2,311\n \nDeferred income taxes\n59\n \n63\n \nInvestments\n1,035\n \n983\n \nOther assets, net of accumulated amortization of $\n1,046\n and $\n949\n4,935\n \n4,163\n \nTotal assets\n$\n137,012\n \n$\n137,100\n \nLiabilities and equity\nAccounts payable\n$\n11,964\n \n$\n10,200\n \nAccrued liabilities\n22,331\n \n21,581\n \nAdvances and progress billings\n56,328\n \n53,081\n \nShort-term debt and current portion of long-term debt\n5,204\n \n5,190\n \nTotal current liabilities\n95,827\n \n90,052\n \nDeferred income taxes\n229\n \n230\n \nAccrued retiree health care\n2,233\n \n2,503\n \nAccrued pension plan liability, net\n6,516\n \n6,141\n \nOther long-term liabilities\n2,332\n \n2,211\n \nLong-term debt\n47,103\n \n51,811\n \nTotal liabilities\n154,240\n \n152,948\n \nShareholders\u2019 equity:\nCommon stock, par value $\n5.00\n \u2013 \n1,200,000,000\n shares authorized; \n1,012,261,159\n shares issued\n5,061\n \n5,061\n \nAdditional paid-in capital\n10,309\n \n9,947\n \nTreasury stock, at cost\n(\n49,549\n)\n(\n50,814\n)\nRetained earnings\n27,251\n \n29,473\n \nAccumulated other comprehensive loss\n(\n10,305\n)\n(\n9,550\n)\nTotal shareholders\u2019 deficit\n(\n17,233\n)\n(\n15,883\n)\nNoncontrolling interests\n5\n \n35\n \nTotal equity\n(\n17,228\n)\n(\n15,848\n)\nTotal liabilities and equity\n$\n137,012\n \n$\n137,100\n \nSee Notes to the Consolidated Financial Statements on pages 57 - 110.\n53", "66090a60-c499-402b-bb94-cc9fe10d0a99": "Table of Contents\nThe Boeing Company and Subsidiaries\nConsolidated Statements of Cash Flows\n(Dollars in millions)\n \n \n \nYears ended December 31,\n2023\n2022\n2021\nCash flows \u2013 operating activities:\nNet loss\n($\n2,242\n)\n($\n5,053\n)\n($\n4,290\n)\nAdjustments to reconcile net loss to net cash provided/(used) by operating activities:\nNon-cash items \u2013\nShare-based plans expense\n690\n \n725\n \n833\n \nTreasury shares issued for 401(k) contribution\n1,515\n \n1,215\n \n1,233\n \nDepreciation and amortization\n1,861\n \n1,979\n \n2,144\n \nInvestment/asset impairment charges, net\n46\n \n112\n \n98\n \nGain on dispositions, net\n(\n2\n)\n(\n6\n)\n(\n277\n)\n787 reach-forward loss\n3,460\n \nOther charges and credits, net\n3\n \n401\n \n360\n \nChanges in assets and liabilities \u2013\nAccounts receivable\n(\n128\n)\n142\n \n(\n713\n)\nUnbilled receivables\n321\n \n6\n \n(\n586\n)\nAdvances and progress billings\n3,365\n \n108\n \n2,505\n \nInventories\n(\n1,681\n)\n420\n \n(\n1,127\n)\nOther current assets\n389\n \n(\n591\n)\n345\n \nAccounts payable\n1,672\n \n838\n \n(\n3,783\n)\nAccrued liabilities\n779\n \n2,956\n \n(\n3,687\n)\nIncome taxes receivable, payable and deferred\n44\n \n1,347\n \n733\n \nOther long-term liabilities\n(\n313\n)\n(\n158\n)\n(\n206\n)\nPension and other postretirement plans\n(\n1,049\n)\n(\n1,378\n)\n(\n972\n)\nFinancing receivables and operating lease equipment, net\n571\n \n142\n \n210\n \nOther\n119\n \n307\n \n304\n \nNet cash provided/(used) by operating activities\n5,960\n \n3,512\n \n(\n3,416\n)\nCash flows \u2013 investing activities:\nPayments to acquire property, plant and equipment\n(\n1,527\n)\n(\n1,222\n)\n(\n980\n)\nProceeds from disposals of property, plant and equipment\n27\n \n35\n \n529\n \nAcquisitions, net of cash acquired\n(\n70\n)\n(\n6\n)\nContributions to investments\n(\n16,448\n)\n(\n5,051\n)\n(\n35,713\n)\nProceeds from investments\n15,739\n \n10,619\n \n45,489\n \nOther\n(\n158\n)\n(\n11\n)\n5\n \nNet cash (used)/provided by investing activities\n(\n2,437\n)\n4,370\n \n9,324\n \nCash flows \u2013 financing activities:\nNew borrowings\n75\n \n34\n \n9,795\n \nDebt repayments\n(\n5,216\n)\n(\n1,310\n)\n(\n15,371\n)\nStock options exercised\n45\n \n50\n \n42\n \nEmployee taxes on certain share-based payment arrangements\n(\n408\n)\n(\n40\n)\n(\n66\n)\nOther\n17\n \nNet cash used by financing activities\n(\n5,487\n)\n(\n1,266\n)\n(\n5,600\n)\nEffect of exchange rate changes on cash and cash equivalents\n30\n \n(\n73\n)\n(\n39\n)\nNet (decrease)/increase in cash & cash equivalents, including restricted\n(\n1,934\n)\n6,543\n \n269\n \nCash & cash equivalents, including restricted, at beginning of year\n14,647\n \n8,104\n \n7,835\n \nCash & cash equivalents, including restricted, at end of year\n12,713\n \n14,647\n \n8,104\n \nLess restricted cash & cash equivalents, included in Investments\n22\n \n33\n \n52\n \nCash and cash equivalents at end of year\n$\n12,691\n \n$\n14,614\n \n$\n8,052\n \nSee Notes to the Consolidated Financial Statements on pages 57 - 110.\n54", "7552a828-e6af-4d28-bf62-036a9f783859": "Table of Contents\nThe Boeing Company and Subsidiaries\nConsolidated Statements of Equity\n \nBoeing shareholders\n \n \n(Dollars in millions, except per share data)\nCommon\nStock\nAdditional\nPaid-In\nCapital\nTreasury \nStock\nRetained\nEarnings\nAccumulated\nOther \nComprehensive \nLoss\nNon-\ncontrolling\nInterests\nTotal\nBalance at January 1, 2021\n$\n5,061\n \n$\n7,787\n \n($\n52,641\n)\n$\n38,610\n \n($\n17,133\n)\n$\n241\n \n($\n18,075\n)\nNet loss\n(\n4,202\n)\n(\n88\n)\n(\n4,290\n)\nOther comprehensive income, net of tax of ($\n57\n)\n5,474\n \n5,474\n \nShare-based compensation\n833\n \n833\n \nTreasury shares issued for stock options exercised, net\n(\n28\n)\n70\n \n42\n \nTreasury shares issued for other share-based plans, net\n(\n98\n)\n35\n \n(\n63\n)\nTreasury shares issued for 401(k) contribution\n558\n675\n \n1,233\n \nBalance at December 31, 2021\n$\n5,061\n \n$\n9,052\n \n($\n51,861\n)\n$\n34,408\n \n($\n11,659\n)\n$\n153\n \n($\n14,846\n)\nNet loss\n(\n4,935\n)\n(\n118\n)\n(\n5,053\n)\nOther comprehensive income, net of tax of ($\n22\n)\n2,109\n \n2,109\n \nShare-based compensation\n725\n \n725\n \nTreasury shares issued for stock options exercised, net\n(\n31\n)\n81\n \n50\n \nTreasury shares issued for other share-based plans, net\n(\n94\n)\n46\n \n(\n48\n)\nTreasury shares issued for 401(k) contribution\n295\n \n920\n \n1,215\n \nBalance at December 31, 2022\n$\n5,061\n \n$\n9,947\n \n($\n50,814\n)\n$\n29,473\n \n($\n9,550\n)\n$\n35\n \n($\n15,848\n)\nNet loss\n(\n2,222\n)\n(\n20\n)\n(\n2,242\n)\nOther comprehensive loss, net of tax of $\n4\n(\n755\n)\n(\n755\n)\nShare-based compensation\n690\n \n690\n \nTreasury shares issued for stock options exercised, net\n(\n28\n)\n73\n \n45\n \nTreasury shares issued for other share-based plans, net\n(\n660\n)\n304\n \n(\n356\n)\nTreasury shares issued for 401(k) contribution\n627\n \n888\n \n1,515\n \nSubsidiary shares purchased from noncontrolling\ninterests\n(\n267\n)\n(\n267\n)\nOther changes in noncontrolling interests\n(\n10\n)\n(\n10\n)\nBalance at December 31, 2023\n$\n5,061\n \n$\n10,309\n \n($\n49,549\n)\n$\n27,251\n \n($\n10,305\n)\n$\n5\n \n($\n17,228\n)\nSee Notes to the Consolidated Financial Statements on pages 57 - 110.\n55", "9924be9b-6168-418c-9827-56e21fe3219e": "Table of Contents\nThe Boeing Company and Subsidiaries\nNotes to the Consolidated Financial Statements\nSummary of Business Segment Data\n(Dollars in millions)\n \nYears ended December 31,\n2023\n2022\n2021\nRevenues:\nCommercial Airplanes\n$\n33,901\n \n$\n26,026\n \n$\n19,714\n \nDefense, Space & Security\n24,933\n \n23,162\n \n26,540\n \nGlobal Services\n19,127\n \n17,611\n \n16,328\n \nUnallocated items, eliminations and other\n(\n167\n)\n(\n191\n)\n(\n296\n)\nTotal revenues\n$\n77,794\n \n$\n66,608\n \n$\n62,286\n \nLoss from operations:\nCommercial Airplanes\n($\n1,635\n)\n($\n2,341\n)\n($\n6,377\n)\nDefense, Space & Security\n(\n1,764\n)\n(\n3,544\n)\n1,544\n \nGlobal Services\n3,329\n \n2,727\n \n2,017\n \nSegment operating loss\n(\n70\n)\n(\n3,158\n)\n(\n2,816\n)\nUnallocated items, eliminations and other\n(\n1,759\n)\n(\n1,504\n)\n(\n1,227\n)\nFAS/CAS service cost adjustment\n1,056\n \n1,143\n \n1,173\n \nLoss from operations\n(\n773\n)\n(\n3,519\n)\n(\n2,870\n)\nOther income, net\n1,227\n \n1,058\n \n551\n \nInterest and debt expense\n(\n2,459\n)\n(\n2,561\n)\n(\n2,714\n)\nLoss before income taxes\n(\n2,005\n)\n(\n5,022\n)\n(\n5,033\n)\nIncome tax (expense)/benefit\n(\n237\n)\n(\n31\n)\n743\n \nNet loss\n(\n2,242\n)\n(\n5,053\n)\n(\n4,290\n)\nLess: net loss attributable to noncontrolling interest\n(\n20\n)\n(\n118\n)\n(\n88\n)\nNet loss attributable to Boeing Shareholders\n($\n2,222\n)\n($\n4,935\n)\n($\n4,202\n)\nThis information is an integral part of the Notes to the Consolidated Financial Statements. See Note 22 for further segment results.\n56", "9735e767-ecc3-4640-b4eb-b664af8984ba": "Table of Contents\nThe Boeing Company and Subsidiaries\nNotes to the Consolidated Financial Statements\nYears ended December 31, 2023, 2022 and 2021\n(Dollars in millions, except otherwise stated)\nNote 1 \u2013 \nSummary of Significant Accounting Policies\nPrinciples of Consolidation and Basis of Presentation\nThe Consolidated Financial Statements included in this report have been prepared by management of The Boeing Company (herein referred to as\n\u201cBoeing,\u201d the \u201cCompany,\u201d \u201cwe,\u201d \u201cus\u201d or \u201cour\u201d). These statements include the accounts of all majority-owned subsidiaries and variable interest entities that\nare required to be consolidated. All significant intercompany accounts and transactions have been eliminated. As described in Note 22, we now operate\nin \nthree\n reportable segments: Commercial Airplanes (BCA), Defense, Space & Security (BDS), and Global Services (BGS). As a result, prior period\namounts have been reclassified to conform to current period presentation.\nUse of Estimates\nThe preparation of financial statements in conformity with U.S. generally accepted accounting principles (GAAP) requires management to make\nestimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the\nfinancial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates.\nOperating Cycle\nFor classification of certain current assets and liabilities, we use the duration of the related contract or program as our operating cycle, which is\ngenerally longer than one year.\nRevenue and Related Cost Recognition\nCommercial aircraft contracts \nThe majority of our BCA segment revenue is derived from commercial aircraft contracts. For each contract, we\ndetermine the transaction price based on the consideration expected to be received. We allocate the transaction price to each commercial aircraft\nperformance obligation based on relative standalone selling prices adjusted by an escalation formula as specified in the customer agreement. Revenue is\nrecognized for each commercial aircraft performance obligation at the point in time when the aircraft is completed and accepted by the customer. We\nuse program accounting to determine the amount reported as cost of sales.\nPayments for commercial aircraft sales are received in accordance with the customer agreement, which generally includes a deposit upon order and\nadditional payments in accordance with a payment schedule, with the balance being due immediately prior to or at aircraft delivery. Advances and\nprogress billings (contract liabilities) are normal and customary for commercial aircraft contracts and not considered a significant financing component as\nthey are intended to protect us from the other party failing to adequately complete some or all of its obligations under the contract.\nLong-term contracts\n Substantially all contracts at BDS and certain contracts at BGS are long-term contracts with the U.S. government and other\ncustomers that generally extend over several years. Products sales under long-term contracts primarily include fighter jets, rotorcraft, cybersecurity\nproducts, surveillance suites, advanced weapons, missile defense, military derivative aircraft, satellite systems and modification of commercial\npassenger aircraft to cargo freighters. Sales of services under long-term contracts primarily include support and maintenance agreements associated\nwith our commercial and defense products and space travel on Commercial Crew.\n57", "f3deb4c2-1f1f-4e8a-9112-72f7c041ed09": "Table of Contents\nFor each long-term contract, we determine the transaction price based on the consideration expected to be received. We allocate the transaction price\nto each distinct performance obligation to deliver a good or service, or a collection of goods and/or services, based on the relative standalone selling\nprices. A long-term contract will typically represent a single distinct performance obligation due to the highly interdependent and interrelated nature of the\nunderlying goods and/or services and the significant service of integration that we provide. While the scope and price on certain long-term contracts may\nbe modified over their life, the transaction price is based on current rights and obligations under the contract and does not include potential modifications\nuntil they are agreed upon with the customer. When applicable, a cumulative adjustment or separate recognition for the additional scope and price may\nresult. Long-term contracts can be negotiated with a fixed price or a price in which we are reimbursed for costs incurred plus an agreed upon profit. The\nFederal Acquisition Regulations provide guidance on the types of cost that will be reimbursed in establishing the price for contracts with the U.S.\ngovernment. Certain long-term contracts include in the transaction price variable consideration, such as incentive and award fees, if specified targets are\nachieved. The amount included in the transaction price represents the expected value, based on a weighted probability, or the most likely amount.\nLong-term contract revenue is recognized over the contract term (over time) as the work progresses, either as products are produced or as services are\nrendered. We generally recognize revenue over time as we perform on long-term contracts because of continuous transfer of control to the customer. For\nU.S. government contracts, this continuous transfer of control to the customer is supported by clauses in the contract that allow the customer to\nunilaterally terminate the contract for convenience, pay us for costs incurred plus a reasonable profit and take control of any work in process. Similarly,\nfor non-U.S. government contracts, the customer typically controls the work in process as evidenced either by contractual termination clauses or by our\nrights to payment of the transaction price associated with work performed to date on products or services that do not have an alternative use to the\nCompany.\nThe accounting for long-term contracts involves a judgmental process of estimating total revenues, costs and profit for each performance obligation. Cost\nof sales is recognized as incurred. The amount reported as revenues is determined by adding a proportionate amount of the estimated profit to the\namount reported as cost of sales. Recognizing revenue as costs are incurred provides an objective measure of progress on the long-term contract and\nthereby best depicts the extent of transfer of control to the customer.\nFor long-term contracts for which revenue is recognized over time, changes in estimated revenues, cost of sales and the related effect on operating\nincome are recognized using a cumulative catch-up adjustment which recognizes in the current period the cumulative effect of the changes on current\nand prior periods based on a long-term contract\u2019s percentage-of-completion. When the current estimates of total revenues and costs at completion for a\nlong-term contract indicate a loss, a provision for the entire reach-forward loss on the long-term contract is recognized.\nThe table below reflects the impact of net cumulative catch-up adjustments for changes in estimated revenues and costs at completion across all long-\nterm contracts including the impact to Loss from operations from estimated losses on unexercised options for the years ended December 31:\n2023\n2022\n2021\nDecrease to Revenue\n($\n1,706\n)\n($\n2,335\n)\n($\n379\n)\nIncrease to Loss from operations\n($\n2,943\n)\n($\n5,253\n)\n($\n880\n)\nIncrease to Diluted loss per share\n($\n5.43\n)\n($\n8.88\n)\n($\n1.28\n)\nSignificant adjustments during the three years ended December 31, 2023 included losses on VC-25B, KC-46A Tanker, MQ-25, Commercial Crew and T-\n7A Red Hawk programs in addition to lower earnings on F-15 and satellites.\n58", "373a1528-0d57-4163-9440-7d589a335ec5": "Table of Contents\nDue to the significance of judgment in the estimation process, changes in underlying assumptions/estimates, internal and supplier performance,\ninflationary trends, or other circumstances may adversely or positively affect financial performance in future periods.\nPayments under long-term contracts may be received before or after revenue is recognized. The U.S. government customer typically withholds payment\nof a small portion of the contract price until contract completion. Therefore, long-term contracts typically generate Unbilled receivables (contract assets)\nbut may generate Advances and progress billings (contract liabilities). Long-term contract Unbilled receivables and Advances and progress billings are\nnot considered a significant financing component because they are intended to protect either the customer or the Company in the event that some or all\nof the obligations under the contract are not completed.\nCommercial spare parts contracts\n Certain contracts at our BGS segment include sales of commercial spare parts. For each contract, we determine\nthe transaction price based on the consideration expected to be received. The spare parts have discrete unit prices that represent fair value. We\ngenerally consider each spare part to be a separate performance obligation. Revenue is recognized for each commercial spare part performance\nobligation at the point in time of delivery to the customer. We may provide our customers with a right to return a commercial spare part where a\ncustomer may receive a full or partial refund, a credit applied to amounts owed, a different product in exchange, or any combination of these items. We\nconsider the potential for customer returns in the estimated transaction price. The amount reported as cost of sales is recorded at average cost.\nPayments for commercial spare parts sales are typically received shortly after delivery.\nOther service revenue contracts\n Certain contracts at our BGS segment are for sales of services to commercial customers including maintenance,\ntraining, data analytics and information-based services. We recognize revenue for these service performance obligations over time as the services are\nrendered. The method of measuring progress (such as straight-line or billable amount) varies depending upon which method best depicts the transfer of\ncontrol to the customer based on the type of service performed. Cost of sales is recorded as incurred.\nConcession sharing arrangements\n We account for sales concessions to our customers in consideration of their purchase of products and services as\na reduction of the transaction price and the revenue that is recognized for the related performance obligations. The sales concessions incurred may be\npartially reimbursed by certain suppliers in accordance with concession sharing arrangements. We record these reimbursements, which are presumed\nto represent reductions in the price of the vendor\u2019s products or services, as a reduction in Cost of products.\nUnbilled receivables and advances and progress billings\n Unbilled receivables (contract assets) arise when the Company recognizes revenue for\namounts which cannot yet be billed under terms of the contract with the customer. Advances and progress billings (contract liabilities) arise when the\nCompany receives payments from customers in advance of recognizing revenue. The amount of Unbilled receivables or Advances and progress billings is\ndetermined for each contract.\nFinancial services revenue\n We record financial services revenue associated with sales-type leases, operating leases and loans in Sales of services\non the Consolidated Statements of Operations. For sales-type leases, we recognize selling profit or loss at lease inception if collection of the lease\npayments is probable. For sales-type leases, we record financing receivables at lease inception. A financing receivable is recorded at the aggregate of\nfuture lease payments, estimated residual value of the leased equipment, and any deferred incremental direct costs less unearned income. Income is\nrecognized over the life of the lease to approximate a level rate of return on the net investment. For notes receivable, we record financing receivables net\nof any unamortized discounts and deferred incremental direct costs. Interest income and amortization of any discounts are recorded ratably over the\nrelated term of the note.\n59", "d0172c4e-f5b8-4631-aace-7d27a8a7cab0": "Table of Contents\nIncome recognition is generally suspended for financing receivables that are uncollectible. We\n \ndetermine that a financing receivable is uncollectible\nwhen, based on current information and events, it is probable that we will be unable to collect amounts due according to the original contractual terms.\nWe determine a financing receivable is past due when cash has not been received upon the due date specified in the contract.\nWe evaluate the collectability of financing receivables at commencement and on a recurring basis. If a financing receivable is determined to be\nuncollectible, the customer is categorized as non-accrual status. When a customer is in non-accrual status at commencement, sales-type lease\nrevenue is deferred until substantially all cash has been received or the customer is removed from non-accrual status. If we have a note receivable with a\ncustomer that is in non-accrual status, or a sales-type lease with a customer that changes to non-accrual status after commencement, we recognize\ncontractual interest income as payments are received to the extent there is sufficient collateral and payments exceed past due principal payments.\nResidual values, which are reviewed periodically, represent the estimated amount we expect to receive at lease termination from the disposition of the\nleased equipment. Actual residual values realized could differ from these estimates. Declines in estimated residual value that are deemed other-than-\ntemporary are recognized in the period in which the declines occur.\nFor operating leases, revenue on leased aircraft and equipment is recorded on a straight-line basis over the term of the lease. Operating lease assets,\nincluded in Financing receivables and operating lease equipment, net, are recorded at cost and depreciated to an estimated residual value using the\nstraight-line method over the period that we project we will hold the asset. We periodically review our estimates of residual value and recognize\nforecasted changes by prospectively adjusting depreciation expense. We record assets held for sale at the lower of carrying value or fair value less costs\nto sell. We evaluate for impairment assets under operating leases when events or changes in circumstances indicate that the expected undiscounted\ncash flow from the asset may be less than the carrying value. When we determine that impairment is indicated for an asset, the amount of impairment\nexpense recorded is the excess of the carrying value over the fair value of the asset.\nReinsurance revenue\n Our wholly-owned insurance subsidiary, Astro Ltd., participates in a reinsurance pool for workers\u2019 compensation. The member\nagreements and practices of the reinsurance pool minimize any participating members\u2019 individual risk. Reinsurance revenues were $\n163\n, $\n129\n and $\n126\nduring 2023, 2022 and 2021, respectively. Reinsurance costs related to premiums and claims paid to the reinsurance pool were $\n181\n, $\n134\n and $\n129\nduring 2023, 2022 and 2021, respectively. Revenues and costs are presented net in Cost of sales in the Consolidated Statements of Operations.\nResearch and Development\nResearch and development includes costs incurred for experimentation, design and testing, as well as bid and proposal efforts related to government\nproducts and services, which are expensed as incurred unless the costs are related to certain contractual arrangements with customers. Costs that are\nincurred pursuant to such contractual arrangements are recorded over the period that revenue is recognized, consistent with our long-term contract\naccounting policy. We have certain research and development arrangements that meet the requirement for best efforts research and development\naccounting. Accordingly, the amounts funded by the customer are recognized as an offset to our research and development expense rather than as\ncontract revenues. Research and development expense, net included bid and proposal costs of $\n188\n, $\n217\n and $\n213\n in 2023, 2022 and 2021,\nrespectively.\nShare-Based Compensation\nWe provide various forms of share-based compensation to our employees. For awards settled in shares, we measure compensation expense based on\nthe grant-date fair value net of estimated\n60", "73d61c69-10a0-466b-8128-ea3f91768d5d": "Table of Contents\nforfeitures. For awards settled in cash, or that may be settled in cash, we measure compensation expense based on the fair value at each reporting date\nnet of estimated forfeitures. The expense is recognized over the requisite service period, which is generally the vesting period of the award.\nIncome Taxes\nProvisions for U.S. federal, state and local, and non-U.S. income taxes are calculated on reported Loss before income taxes based on current tax law\nand also include, in the current period, the cumulative effect of any changes in tax rates from those used previously in determining deferred tax assets\nand liabilities. Such provisions differ from the amounts currently receivable or payable because certain items of income and expense are recognized in\ndifferent time periods for financial reporting purposes than for income tax purposes. Significant judgment is required in determining income tax provisions\nand evaluating tax positions.\nThe accounting for uncertainty in income taxes requires a more-likely-than-not threshold for financial statement recognition and measurement of tax\npositions taken or expected to be taken in a tax return. We record a liability for the difference between the benefit recognized and measured for financial\nstatement purposes and the tax position taken or expected to be taken on our tax return. To the extent that our assessment of such tax positions\nchanges, the change in estimate is recorded in the period in which the determination is made. Tax-related interest and penalties are classified as a\ncomponent of Income tax (expense)/benefit.\nWe also assess the likelihood that we will be able to recover our deferred tax assets against future sources of taxable income and reduce the carrying\namounts of deferred tax assets by recording a valuation allowance if, based on the available evidence, it is more likely than not that all or a portion of\nsuch assets will not be realized. Changes in our estimates and judgments regarding realization of deferred tax assets may result in an increase or\ndecrease to our tax expense and/or other comprehensive income, which would be recorded in the period in which the change occurs.\nPostretirement Plans\nMany of our employees have earned benefits under defined benefit pension plans. The majority of employees that had participated in defined benefit\npension plans have transitioned to a company-funded defined contribution retirement savings plan. We also provide postretirement benefit plans other\nthan pensions, consisting principally of health care coverage to eligible retirees and qualifying dependents. Benefits under the pension and other\npostretirement benefit plans are generally based on age at retirement and years of service and, for some pension plans, benefits are also based on the\nemployee\u2019s annual earnings. The net periodic cost of our pension and other postretirement plans is determined using the projected unit credit method\nand several actuarial assumptions, the most significant of which are the discount rate, the long-term rate of asset return and medical trend (rate of\ngrowth for medical costs). Actuarial gains and losses, which occur when actual experience differs from actuarial assumptions, are reflected in\nShareholders\u2019 equity (net of taxes). If actuarial gains and losses exceed ten percent of the greater of plan assets or plan liabilities, we amortize them\nover the average expected future lifetime of participants. The funded status of our pension and postretirement plans is reflected on the Consolidated\nStatements of Financial Position.\nPostemployment Plans\nWe record a liability for postemployment benefits, such as severance or job training, when payment is probable, the amount is reasonably estimable,\nand the obligation relates to rights that have vested or accumulated.\n61", "4c29249c-6a06-4c2f-8c61-c44f85975053": "Table of Contents\nEnvironmental Remediation\nWe are subject to federal and state requirements for protection of the environment, including those for discharge of hazardous materials and remediation\nof contaminated sites. We routinely assess, based on in-depth studies, expert analyses and legal reviews, our contingencies, obligations and\ncommitments for remediation of contaminated sites, including assessments of ranges and probabilities of recoveries from other responsible parties\nand/or insurance carriers. Our policy is to accrue and charge to current expense identified exposures related to environmental remediation sites when it\nis probable that a liability has been incurred and the amount can be reasonably estimated. The amount of the liability is based on our best estimate or\nthe low end of a range of reasonably possible exposure for investigation, cleanup and monitoring costs to be incurred. Estimated remediation costs are\nnot discounted to present value as the timing of payments cannot be reasonably estimated. We may be able to recover a portion of the remediation\ncosts from insurers or other third parties. Such recoveries are recorded when realization of the claim for recovery is deemed probable.\nCash and Cash Equivalents\nCash and cash equivalents consist of highly liquid instruments, such as commercial paper, time deposits, and other money market instruments, which\nhave original maturities of three months or less. We aggregate our cash balances by bank where conditions for right of set-off are met, and reclassify any\nnegative balances, consisting mainly of uncleared checks, to Accounts payable. Negative balances reclassified to Accounts payable were $\n117\n and\n$\n102\n at December 31, 2023 and 2022.\nInventories\nInventoried costs on commercial aircraft programs and long-term contracts include direct engineering, production and tooling and other non-recurring\ncosts, and applicable overhead, which includes fringe benefits, production related indirect and plant management salaries and plant services, not in\nexcess of estimated net realizable value. To the extent a material amount of such costs are related to an abnormal event or are fixed costs not\nappropriately attributable to our programs or contracts, they are expensed in the current period rather than inventoried. Inventoried costs include amounts\nrelating to programs and contracts with long-term production cycles, a portion of which is not expected to be realized within one year. Included in\ninventory for federal government contracts is an allocation of allowable costs related to manufacturing process reengineering.\nCommercial aircraft programs inventory includes deferred production costs and supplier advances. Deferred production costs represent actual costs\nincurred for production of early units that exceed the estimated average cost of all units in the program accounting quantity. Higher production costs are\nexperienced at the beginning of a new or derivative aircraft program. Units produced early in a program require substantially more effort (labor and other\nresources) than units produced later in a program because of volume efficiencies and the effects of learning. We expect that these deferred costs will be\nfully recovered when all units included in the accounting quantity are delivered as the expected unit cost for later deliveries is below the estimated\naverage cost of all units in the program. Supplier advances represent payments for parts we have contracted to receive from suppliers in the future. As\nparts are received, supplier advances are amortized to work in process.\nThe determination of net realizable value of long-term contract costs is based upon quarterly reviews that estimate costs to be incurred to complete all\ncontract requirements. When actual contract costs and the estimate to complete exceed total estimated contract revenues, a loss provision is recorded.\nThe determination of net realizable value of commercial aircraft program costs is based upon quarterly program reviews that estimate revenue and cost to\nbe incurred to complete the program accounting quantity. When estimated costs to complete exceed estimated program revenues to go, a program loss\nprovision is recorded in the current period for the estimated loss on all undelivered units in the accounting quantity.\n62", "3b15b18e-07c6-456f-aba6-886e26a94698": "Table of Contents\nUsed aircraft purchased by our BCA segment and general stock materials are stated at cost not in excess of net realizable value. Spare parts inventory\nis stated at lower of average unit cost or net realizable value. We review our commercial spare parts and general stock materials quarterly to identify\nimpaired inventory, including excess or obsolete inventory, based on historical sales trends, expected production usage, and the size and age of the\naircraft fleet using the part. Impaired inventories are charged to Cost of products in the period the impairment occurs.\nIncluded in inventory for commercial aircraft programs are amounts paid or credited in cash, or other consideration to certain airline customers, that are\nreferred to as early issue sales consideration. Early issue sales consideration is recognized as a reduction to revenue when the delivery of the aircraft\nunder contract occurs. If an airline customer does not perform and take delivery of the contracted aircraft, we believe that we would have the ability to\nrecover amounts paid. However, to the extent early issue sales consideration exceeds advances and is not considered to be otherwise recoverable, it\nwould be written off in the current period.\nPrecontract Costs\nWe may, from time to time, incur costs in excess of the amounts required for existing contracts. If we determine the costs are probable of recovery from\nfuture orders, then we capitalize the precontract costs we incur, excluding start-up costs which are expensed as incurred. Capitalized precontract costs\nare included in Inventories in the accompanying Consolidated Statements of Financial Position. Should future orders not materialize or we determine the\ncosts are no longer probable of recovery, the capitalized costs would be written off.\nProperty, Plant and Equipment\nProperty, plant and equipment are recorded at cost, including applicable construction-period interest, less accumulated depreciation and are depreciated\nprincipally over the following estimated useful lives: new buildings and land improvements, from \n10\n to \n40\n years; and new machinery and equipment, from\n4\n to \n20\n years. The principal methods of depreciation are as follows: buildings and land improvements, 150% declining balance; and machinery and\nequipment, sum-of-the-years\u2019 digits. Capitalized internal use software is included in Other assets, net and amortized using the straight line method over\n5\n years. Capitalized costs of software purchased as a service are included in Other assets, net and amortized using the straight line method over the\nterm of the hosting arrangement, which is typically no greater than \n10\n years. We periodically evaluate the appropriateness of remaining depreciable lives\nassigned to long-lived assets, including assets that may be subject to a management plan for disposition.\nLong-lived assets held for sale are stated at the lower of cost or fair value less cost to sell. Long-lived assets held for use are subject to an impairment\nassessment whenever events or changes in circumstances indicate that the carrying amount may not be recoverable. If the carrying value is no longer\nrecoverable based upon the undiscounted future cash flows of the asset, the amount of the impairment is the difference between the carrying amount and\nthe fair value of the asset.\nLeases \nWe determine if an arrangement is, or contains, a lease under which we are the lessee at the inception date. Operating lease assets are\nincluded in Other assets, net, with the related liabilities included in Accrued liabilities and Other long-term liabilities. Assets under finance leases, which\nprimarily represent computer equipment, are included in Property, plant and equipment, net, with the related liabilities included in Short-term debt and\ncurrent portion of long-term debt and Long-term debt on the Consolidated Statements of Financial Position.\nOperating lease assets represent our right to use an underlying asset for the lease term and lease liabilities represent our obligation to make lease\npayments arising from the lease. Operating lease assets and liabilities are recognized at the lease commencement date based on the estimated present\nvalue of lease payments over the lease term. We use our estimated incremental borrowing rate in\n63", "05bf067b-4367-43fe-8cfd-e56c149ce030": "Table of Contents\ndetermining the present value of lease payments. Variable components of the lease payments such as fair market value adjustments, utilities and\nmaintenance costs are expensed as incurred and not included in determining the present value. Our lease terms include options to extend or terminate\nthe lease when it is reasonably certain that we will exercise that option. Lease expense for operating leases is recognized on a straight-line basis over\nthe lease term.\nWe have real property lease agreements with lease and non-lease components which are accounted for as a single lease component.\nAsset Retirement Obligations\nWe record all known asset retirement obligations for which the liability\u2019s fair value can be reasonably estimated, including certain asbestos removal,\nasset decommissioning and contractual lease restoration obligations. Recorded amounts are not material.\nWe also have known conditional asset retirement obligations, such as certain asbestos remediation and asset decommissioning activities to be\nperformed in the future, that are not reasonably estimable due to insufficient information about the timing and method of settlement of the obligation.\nAccordingly, these obligations have not been recorded in the Consolidated Financial Statements. A liability for these obligations will be recorded in the\nperiod when sufficient information regarding timing and method of settlement becomes available to make a reasonable estimate of the liability\u2019s fair value.\nIn addition, there may be conditional asset retirement obligations that we have not yet discovered (e.g. asbestos may exist in certain buildings but we\nhave not become aware of it through the normal course of business), and therefore, these obligations also have not been included in the Consolidated\nFinancial Statements.\nGoodwill and Other Acquired Intangibles\nGoodwill and other acquired intangible assets with indefinite lives are not amortized, but are tested for impairment annually and when an event occurs or\ncircumstances change such that it is more likely than not that an impairment may exist. Our annual testing date is April 1.\nWe test goodwill for impairment by performing a qualitative assessment or using a quantitative test. If we choose to perform a qualitative assessment\nand determine it is more likely than not that the carrying value of the net assets is more than the fair value of the related operations, the quantitative test\nis then performed; otherwise, no further testing is required. For operations where the quantitative test is used, we compare the carrying value of net\nassets to the estimated fair value of the related operations. If the fair value is determined to be less than carrying value, the shortfall up to the carrying\nvalue of the goodwill represents the amount of goodwill impairment.\nIndefinite-lived intangibles consist of a brand and trade name and in-process research and development (IPR&D) acquired in business combinations.\nIPR&D is initially capitalized at fair value as an intangible asset with an indefinite life and assessed for impairment thereafter. IPR&D is reclassified to\nfinite-lived acquired intangible assets when a project is completed and then amortized on a straight-line basis over the asset\u2019s estimated useful life. We\ntest these intangibles for impairment by comparing the carrying values to current projections of related discounted cash flows. Any excess carrying value\nover the amount of discounted cash flows represents the amount of the impairment.\nOur finite-lived acquired intangible assets are amortized on a straight-line basis over their estimated useful lives as follows: developed technology, from \n4\nto \n14\n years; product know-how, from \n6\n to \n30\n years; customer base, from \n3\n to \n17\n years; distribution rights, from \n3\n to \n27\n years; and other, from \n1\n to \n32\nyears. We evaluate the potential impairment of finite-lived acquired intangible assets whenever events or changes in circumstances indicate that the\ncarrying amount may not be recoverable. If the carrying\n64", "385c57ae-3c3e-43f0-8048-1bcc162b70ee": "Table of Contents\nvalue is no longer recoverable based upon the undiscounted future cash flows of the asset, the amount of the impairment is the difference between the\ncarrying amount and the fair value of the asset.\nInvestments\nTime deposits are held-to-maturity investments that are carried at cost.\nAvailable-for-sale debt investments include commercial paper, U.S. government agency securities and corporate debt securities. Available-for-sale debt\ninvestments are recorded at fair value, and unrealized gains and losses are recorded, net of tax, as a component of accumulated other comprehensive\nincome. Realized gains and losses on available-for-sale debt investments are recognized based on the specific identification method. Available-for-sale\ndebt investments are assessed for impairment quarterly.\nThe equity method of accounting is used to account for investments for which we have the ability to exercise significant influence, but not control, over an\ninvestee. Significant influence is generally deemed to exist if we have an ownership interest in the voting stock of an investee of between 20% and 50%.\nThe cumulative earnings approach is used for cash flow classification of distributions received from equity method investments.\nOther Equity investments are recorded at fair value, with gains and losses recorded through net earnings. Equity investments without readily\ndeterminable fair value are measured at cost, less impairments, plus or minus observable price changes. Equity investments without readily\ndeterminable fair value are assessed for impairment quarterly.\nWe classify investment income and loss on our Consolidated Statements of Operations based on whether the investment is operating or non-operating in\nnature. Operating investments align strategically and are integrated with our operations. Earnings from operating investments, including our share of\nincome or loss from equity method investments, dividend income from other equity investments, and any impairments or gain/loss on the disposition of\nthese investments, are recorded in Income/(loss) from operating investments, net. Non-operating investments are those we hold for non-strategic\npurposes. Earnings from non-operating investments, including interest and dividends on marketable securities, and any impairments or gain/loss on the\ndisposition of these investments are recorded in Other income, net.\nDerivatives\nAll derivative instruments are recognized in the financial statements and measured at fair value regardless of the purpose or intent of holding them. We\nuse derivative instruments to principally manage a variety of market risks. For our cash flow hedges, the derivative\u2019s gain or loss is initially reported in\ncomprehensive income and is subsequently reclassified into earnings in the same period(s) during which the hedged forecasted transaction affects\nearnings.\nWe have agreements to purchase and sell aluminum to address long-term strategic sourcing objectives and non-U.S. business requirements. We also\nhold certain other derivative instruments for economic purposes. These aluminum purchase and sale agreements and other derivative instruments are\nderivatives for accounting purposes but are not designated as hedges for accounting purposes. For these aluminum agreements and other derivative\ninstruments not designated for hedge accounting treatment, the changes in their fair value are recorded in earnings immediately.\nAllowances for Losses on Certain Financial Assets\nWe establish allowances for credit losses on accounts receivable, unbilled receivables, financing receivables and certain other financial assets. The\nadequacy of these allowances is assessed quarterly through consideration of factors such as customer credit ratings, bankruptcy filings, published or\n65", "d7bd7c1b-65d9-434f-a168-4f23e1f234df": "Table of Contents\nestimated credit default rates, age of the receivable, expected loss rates and collateral exposures. Collateral exposure is the excess of the carrying\nvalue of a financial asset over the fair value of the related collateral. We determine the creditworthiness of our customers by assigning internal credit\nratings based upon publicly available information and information obtained directly from the customers. Our rating categories are comparable to those\nused by major credit rating agencies.\nFinancing receivables are collateralized by security in the related asset. We use a median calculated from published collateral values from multiple third-\nparty aircraft value publications based on the type and age of the aircraft to determine the fair value of aircraft collateral. Under certain circumstances, we\napply judgment based on the attributes of the specific aircraft or equipment, usually when the features or use of the aircraft vary significantly from the\nmore generic aircraft attributes covered by outside publications.\nWe have entered into agreements with certain customers that would entitle us to look beyond the specific collateral underlying the receivable for\npurposes of determining the collateral exposure. Should the proceeds from the sale of the underlying collateral asset resulting from a default condition be\ninsufficient to cover the carrying value of our receivable (creating a shortfall condition), these agreements would, for example, permit us to take the\nactions necessary to sell or retain certain other assets in which the customer has an equity interest and use the proceeds to cover the shortfall.\nCommercial Aircraft Trade-in Commitments\nIn conjunction with signing a definitive agreement for the sale of new commercial aircraft (Sale Aircraft), we have entered into trade-in commitments with\ncertain customers that give them the right to trade in used aircraft at a specified price.\nExposure related to trade-in commitments may take the form of:\n(1)\nadjustments to revenue for the difference between the contractual trade-in price in the definitive agreement and our best estimate of the fair\nvalue of the trade-in aircraft as of the date of such agreement, which would be recognized upon delivery of the Sale Aircraft, and/or\n(2)\ncharges to cost of products for adverse changes in the fair value of trade-in aircraft that occur subsequent to signing of a definitive agreement\nfor Sale Aircraft but prior to the purchase of the used trade-in aircraft. Estimates based on current aircraft values would be included in Accrued\nliabilities.\nThe fair value of trade-in aircraft is determined using aircraft-specific data such as model, age and condition, market conditions for specific aircraft and\nsimilar models, and multiple valuation sources. This process uses our assessment of the market for each trade-in aircraft, which in most instances\nbegins years before the return of the aircraft. There are several possible markets in which we continually pursue opportunities to place used aircraft.\nThese markets include, but are not limited to, the resale market, which could potentially include the cost of long-term storage; the leasing market, with\nthe potential for refurbishment costs to meet the leasing customer\u2019s requirements; or the scrap market. Trade-in aircraft valuation varies significantly\ndepending on which market we determine is most likely for each aircraft. On a quarterly basis, we update our valuation analysis based on the actual\nactivities associated with placing each aircraft into a market or using current published third-party aircraft valuations based on the type and age of the\naircraft, adjusted for individual attributes and known conditions.\nWarranties\nIn conjunction with certain product sales, we provide warranties that cover factors such as non-conformance to specifications and defects in material and\ndesign. The majority of our warranties are issued by our BCA segment. Generally, aircraft sales are accompanied by a \n3\n to \n4\n-year standard\n66", "f980975a-24a9-48d6-a55b-7422a111b1a2": "Table of Contents\nwarranty for systems, accessories, equipment, parts, and software manufactured by us or manufactured to certain standards under our authorization.\nThese warranties are included in the programs\u2019 estimate at completion. On occasion we have made commitments beyond the standard warranty\nobligation to correct fleet-wide major issues of a particular model, resulting in additional accrued warranty expense. Warranties issued by our BDS\nsegment principally relate to sales of military aircraft and weapons systems. These sales are generally accompanied by a \nsix month\n to \ntwo-year\nwarranty period and cover systems, accessories, equipment, parts and software manufactured by us to certain contractual specifications. Estimated\ncosts related to standard warranties are recorded in the period in which the related product delivery occurs. The warranty liability recorded at each\nbalance sheet date reflects the estimated number of months of warranty coverage outstanding for products delivered times the average of historical\nmonthly warranty payments, as well as additional amounts for certain major warranty issues that exceed a normal claims level. Estimated costs of\nthese additional warranty issues are considered changes to the initial liability estimate.\nWe provide guarantees to certain commercial aircraft customers which include compensation provisions for failure to meet specified aircraft performance\ntargets. We account for these performance guarantees as warranties. The estimated liability for these warranties is based on known and anticipated\noperational characteristics and forecasted customer operation of the aircraft relative to contractually specified performance targets, and anticipated\nsettlements when contractual remedies are not specified. Estimated payments are recorded as a reduction of revenue at delivery of the related aircraft.\nWe have agreements that require certain suppliers to compensate us for amounts paid to customers for failure of supplied equipment to meet specified\nperformance targets. Claims against suppliers under these agreements are included in Inventories and recorded as a reduction in Cost of products at\ndelivery of the related aircraft. These performance warranties and claims against suppliers are included in estimates to complete the related programs.\nSupplier Penalties\nWe may incur penalties to suppliers under certain circumstances such as a contract termination. We record an accrual for supplier penalties when an\nevent occurs that makes it probable we will incur a supplier penalty and the amount is reasonably estimable.\nGuarantees\nAt the inception of a guarantee, we record a liability in Accrued liabilities for the fair value of the guarantee. For credit guarantees, the liability is equal to\nthe present value of the expected loss. We determine the expected loss by multiplying the creditor\u2019s default rate by the guarantee amount reduced by\nthe expected recovery, if applicable. We also recognize a liability for the expected contingent loss at inception and adjust it each quarter.\n67", "b81faae3-0281-4642-8165-e48a6e00324c": "Table of Contents\nNote 2 \u2013 \nGoodwill and Acquired Intangibles\nChanges in the carrying amount of goodwill for the years ended December 31, 2023 and 2022 were as follows:\nCommercial\nAirplanes\nDefense, Space &\nSecurity\nGlobal Services\nOther\nTotal\nBalance at December 31, 2021\n$\n1,316\n \n$\n3,224\n \n$\n3,443\n \n$\n85\n \n$\n8,068\n \nGoodwill adjustments\n(\n11\n)\n(\n11\n)\nBalance at December 31, 2022\n$\n1,316\n \n$\n3,224\n \n$\n3,432\n \n$\n85\n \n$\n8,057\n \nAcquisitions\n3\n \n11\n \n16\n \n30\n \nGoodwill adjustments\n6\n \n6\n \nBalance at December 31, 2023\n$\n1,319\n \n$\n3,235\n \n$\n3,454\n \n$\n85\n \n$\n8,093\n \nAs of December 31, 2023 and 2022, we had indefinite-lived intangible assets with carrying amounts of $\n197\n relating to trade names. As of December 31,\n2023 and 2022, we had an indefinite-lived intangible asset with a carrying amount of $\n202\n related to in process research and development for a next-\ngeneration air vehicle.\nThe gross carrying amounts and accumulated amortization of our acquired finite-lived intangible assets were as follows at December 31:\n2023\n2022\nGross\nCarrying\nAmount\nAccumulated\nAmortization\nGross\nCarrying\nAmount\nAccumulated\nAmortization\nDistribution rights\n$\n2,545\n \n$\n1,566\n \n$\n2,546\n \n$\n1,443\n \nProduct know-how\n552\n \n465\n \n552\n \n441\n \nCustomer base\n1,358\n \n837\n \n1,356\n \n777\n \nDeveloped technology\n638\n \n569\n \n621\n \n545\n \nOther\n280\n \n241\n \n276\n \n233\n \nTotal\n$\n5,373\n \n$\n3,678\n \n$\n5,351\n \n$\n3,439\n \nAmortization expense for acquired finite-lived intangible assets for the years ended December 31, 2023 and 2022 was $\n235\n and $\n241\n. \nEstimated\namortization expense for the five succeeding years is as follows:\n2024\n2025\n2026\n2027\n2028\nEstimated amortization expense\n$\n224\n \n$\n199\n \n$\n194\n \n$\n174\n \n$\n147\n \nNote 3 \u2013 \nEarnings Per Share\nBasic and diluted earnings per share are computed using the two-class method, which is an earnings allocation method that determines earnings per\nshare for common shares and participating securities. The undistributed earnings are allocated between common shares and participating securities as if\nall earnings had been distributed during the period. Participating securities and common shares have equal rights to undistributed earnings.\n68", "072df326-f351-4139-90ff-80fa12f519fe": "Table of Contents\nBasic earnings per share is calculated by taking net earnings attributable to Boeing Shareholders, less earnings available to participating securities,\ndivided by the basic weighted average common shares outstanding.\nDiluted earnings per share is calculated by taking net earnings attributable to Boeing Shareholders, less earnings available to participating securities,\ndivided by the diluted weighted average common shares outstanding. Diluted weighted average common shares outstanding is calculated using the\ntreasury stock method.\nThe elements used in the computation of basic and diluted earnings per share were as follows:\n(In millions - except per share amounts)\nYears ended December 31,\n2023\n2022\n2021\nNet loss attributable to Boeing Shareholders\n($\n2,222\n)\n($\n4,935\n)\n($\n4,202\n)\nLess: earnings available to participating securities\nNet loss available to common shareholders\n($\n2,222\n)\n($\n4,935\n)\n($\n4,202\n)\nBasic\nBasic weighted average shares outstanding\n606.1\n \n595.2\n \n588.0\n \nLess: participating securities\n0.3\n \n0.3\n \n0.4\n \nBasic weighted average common shares outstanding\n605.8\n \n594.9\n \n587.6\n \nDiluted\nDiluted weighted average shares outstanding\n606.1\n \n595.2\n \n588.0\n \nLess: participating securities\n0.3\n \n0.3\n \n0.4\n \nDiluted weighted average common shares outstanding\n605.8\n \n594.9\n \n587.6\n \nNet loss per share:\nBasic\n($\n3.67\n)\n($\n8.30\n)\n($\n7.15\n)\nDiluted\n(\n3.67\n)\n(\n8.30\n)\n(\n7.15\n)\nParticipating securities include certain instruments in our deferred compensation plan.\nThe following table represents potential common shares that were not included in the computation of Diluted loss per share\n \nbecause the effect was\nantidilutive based on their strike price or the performance condition was not met.\n(Shares in millions)\nYears ended December 31,\n2023\n2022\n2021\nPerformance awards\n \n \n2.9\n \nPerformance-based restricted stock units\n \n0.4\n \n0.8\n \nRestricted stock units\n \n1.0\n \n0.4\n \nStock options\n0.8\n \n0.8\n \n0.3\n \nIn addition, potential common shares of \n5.7\n million, \n3.5\n million, and \n2.6\n million for the years ended December 31, 2023, 2022 and 2021 were excluded\nfrom the computation of Diluted loss per share, because the effect would have been antidilutive as a result of incurring a net loss in those periods.\n(1)\n(1)\n(1)\n69", "396983cd-f3c3-4217-9cca-43f1348c897a": "Table of Contents\nNote 4 \u2013 \nIncome Taxes\nThe components of Loss before income taxes were:\nYears ended December 31,\n2023\n2022\n2021\nU.S.\n($\n2,512\n)\n($\n5,457\n)\n($\n5,475\n)\nNon-U.S.\n507\n \n435\n \n442\n \nTotal\n($\n2,005\n)\n($\n5,022\n)\n($\n5,033\n)\nIncome tax (expense)/benefit consisted of the following:\nYears ended December 31,\n2023\n2022\n2021\nCurrent tax (benefit)/expense\nU.S. federal\n$\n9\n \n($\n58\n)\n($\n89\n)\nNon-U.S.\n179\n \n142\n \n147\n \nU.S. state\n19\n \n(\n42\n)\n42\n \nTotal current\n207\n \n42\n \n100\n \nDeferred tax (benefit)/expense\nU.S. federal\n6\n \n(\n62\n)\n(\n855\n)\nNon-U.S.\n5\n \n(\n3\n)\n(\n12\n)\nU.S. state\n19\n \n54\n \n24\n \nTotal deferred\n30\n \n(\n11\n)\n(\n843\n)\nTotal income tax expense/(benefit)\n$\n237\n \n$\n31\n \n($\n743\n)\nNet income tax payments/(refunds) were $\n204\n, ($\n1,317\n) and ($\n1,480\n) in 2023, 2022 and 2021, respectively.\nThe following is a reconciliation of the U.S. federal statutory tax to actual income tax (benefit)/expense:\nYears ended December 31,\n2023\n2022\n2021\nAmount\nRate\nAmount\nRate\nAmount\nRate\nU.S. federal statutory tax\n($\n421\n)\n21.0\n \n%\n($\n1,054\n)\n21.0\n \n%\n($\n1,057\n)\n21.0\n \n%\nValuation allowance\n1,150\n \n(\n57.3\n)\n1,199\n \n(\n23.9\n)\n512\n \n(\n10.2\n)\nResearch and development credits\n(\n472\n)\n23.6\n \n(\n204\n)\n4.1\n \n(\n189\n)\n3.8\n \nState income tax provision, net of effects on U.S.\nfederal tax\n(\n75\n)\n3.7\n \n(\n90\n)\n1.8\n \n(\n94\n)\n1.9\n \nTax on non-U.S. activities\n35\n \n(\n1.8\n)\n64\n \n(\n1.3\n)\n47\n \n(\n0.9\n)\nImpact of subsidiary shares purchased from\nnoncontrolling interests\n(\n29\n)\n1.5\n \nOther provision adjustments\n49\n \n(\n2.5\n)\n116\n \n(\n2.3\n)\n38\n \n(\n0.9\n)\nIncome tax expense/(benefit)\n$\n237\n \n(\n11.8\n)\n%\n$\n31\n \n(\n0.6\n)\n%\n($\n743\n)\n14.7\n \n%\n70", "0ed309af-9119-4bf2-a617-533571a8ae70": "Table of Contents\nSignificant components of our deferred tax assets/(liabilities) at December 31 were as follows:\n2023\n2022\nInventory and long-term contract methods of income recognition\n($\n5,115\n)\n($\n4,369\n)\nResearch expenditures\n2,873\n \n1,464\n \nFederal net operating loss, credit, interest and other carryovers\n2,551\n \n2,082\n \nFixed assets, intangibles and goodwill\n(\n1,566\n)\n(\n1,641\n)\nPension benefits\n1,178\n \n1,146\n \nOther employee benefits\n1,162\n \n1,095\n \nState net operating loss, credit, interest and other carryovers\n1,137\n \n1,021\n \nAccrued expenses and reserves\n956\n \n933\n \nOther postretirement benefit obligations\n590\n \n660\n \n737 MAX customer concessions and other considerations\n310\n \n425\n \nOther\n304\n \n179\n \nGross deferred tax assets/(liabilities) before valuation allowance\n$\n4,380\n \n$\n2,995\n \nValuation allowance\n(\n4,550\n)\n(\n3,162\n)\nNet deferred tax assets/(liabilities) after valuation allowance\n($\n170\n)\n($\n167\n)\nOf the deferred tax asset for federal net operating loss, credit, interest and other carryovers, $\n1,224\n expires on or before December 31, 2043 and\n$\n1,327\n may be carried over indefinitely.\nOf the deferred tax asset for state net operating loss, credit, interest and other carryovers, $\n575\n expires on or before December 31, 2043 and $\n562\nmay be carried over indefinitely.\nNet deferred tax assets/(liabilities) at December 31 were as follows:\n2023\n2022\nDeferred tax assets\n$\n14,743\n \n$\n12,301\n \nDeferred tax liabilities\n(\n10,363\n)\n(\n9,306\n)\nValuation allowance\n(\n4,550\n)\n(\n3,162\n)\nNet deferred tax assets/(liabilities)\n($\n170\n)\n($\n167\n)\nThe Company\u2019s deferred income tax assets of $\n14,743\n can be used in future years to offset taxable income and reduce income taxes payable. The\nCompany\u2019s deferred income tax liabilities of $\n10,363\n will partially offset deferred income tax assets and result in higher taxable income in future years\nand increase income taxes payable. Tax law determines whether future reversals of temporary differences will result in taxable and deductible amounts\nthat offset each other in future years. The particular years in which temporary differences result in taxable or deductible amounts generally are\ndetermined by the timing of the recovery of the related asset or settlement of the related liability. The deferred income tax assets and liabilities relate\nprimarily to U.S. federal and state tax jurisdictions. From a U.S. federal tax perspective, the Company generated tax net operating losses in 2021 and\ninterest carryovers in 2021, 2022, and 2023 that can be carried forward indefinitely and federal research and development credits that can be carried\nforward 20 years.\nThroughout 2021, 2022, and 2023, the Company was in a three-year cumulative pre-tax loss position. For purposes of assessing the recoverability of\ndeferred tax assets, the Company determined that it could not include future projected earnings in the analysis due to recent history of losses.\nAs of December 31, 2023 and 2022, the Company has recorded valuation allowances of $\n4,550\n and $\n3,162\n primarily for certain domestic deferred tax\nassets, and certain domestic net operating losses, tax\n(1)\n(2)\n(1) \n(2) \n71", "dbd32a3a-3011-4979-8752-889d7494ee49": "Table of Contents\ncredit and interest carryforwards. To measure the valuation allowance, the Company estimated in what year each of its deferred tax assets and liabilities\nwould reverse using systematic and logical methods to estimate the reversal patterns. Based on these methods, deferred tax liabilities are assumed to\nreverse and generate taxable income over the next 5 to 10 years while deferred tax assets related to pension and other postretirement benefit obligations\nare assumed to reverse and generate tax deductions over the next 15 to 20 years. The valuation allowance results from not having sufficient income from\ndeferred tax liability reversals in the appropriate future periods to support the realization of deferred tax assets.\nDuring 2023, the Company increased the valuation allowance by $\n1,388\n, primarily due to tax credits and other carryforwards generated in 2023 that\ncannot be realized in 2023. This reflects a tax expense of $\n1,150\n recorded in continuing operations, an increase of $\n31\n related to the associated federal\nbenefit of state impacts, a tax expense of $\n173\n included in Other comprehensive income (OCI) primarily due to the net actuarial losses that resulted from\nthe annual remeasurement of pension assets and liabilities, and an increase of $\n34\n included in additional paid-in capital.\nUntil the Company generates sustained levels of profitability, additional valuation allowances may have to be recorded with corresponding adverse\nimpacts on earnings and/or OCI.\nThe Tax Cuts and Jobs Act one-time repatriation tax and Global Intangible Low Tax Income liabilities effectively taxed the undistributed earnings\npreviously deferred from U.S. income taxes.\n \nWe have not provided for deferred income taxes on the undistributed earnings from certain non-U.S.\nsubsidiaries because such earnings are considered to be indefinitely reinvested. If such earnings were to be distributed, any deferred income taxes\nwould not be significant.\nAs of December 31, 2023 and 2022, the amounts accrued for the payment of income tax-related interest and penalties included in the Consolidated\nStatements of Financial Position were not significant. The amounts of interest included in the Consolidated Statements of Operations were not\nsignificant for 2023, 2022 and 2021.\nA reconciliation of the beginning and ending amount of unrecognized tax benefits is as follows:\n2023\n2022\n2021\nUnrecognized tax benefits \u2013 January 1\n$\n915\n \n$\n858\n \n$\n966\n \nGross increases \u2013 tax positions in prior periods\n38\n \n17\n \n64\n \nGross decreases \u2013 tax positions in prior periods\n(\n3\n)\n(\n51\n)\n(\n245\n)\nGross increases \u2013 current period tax positions\n181\n \n91\n \n73\n \nGross decreases \u2013 current period tax positions\nUnrecognized tax benefits \u2013 December 31\n$\n1,131\n \n$\n915\n \n$\n858\n \nAs of December 31, 2023, 2022 and 2021, the total amount of unrecognized tax benefits include $\n1,088\n, $\n878\n and $\n790\n, respectively, that would affect\nthe effective tax rate, if recognized. As of December 31, 2023, these amounts were primarily associated with the amount of research tax credits claimed\nand various other matters.\nFederal income tax audits have been settled for all years prior to 2018. The Internal Revenue Service is currently auditing the 2018-2020 tax years. We\nare also subject to examination in major state and international jurisdictions for the 2010-2022 tax years. We believe appropriate provisions for all\noutstanding tax issues have been made for all jurisdictions and all open years.\n72", "13e16fb6-f74d-4ab9-ae02-4ea2a28366e8": "Table of Contents\nAudit outcomes and the timing of audit settlements are subject to significant uncertainty. It is reasonably possible that within the next 12 months,\nunrecognized tax benefits related to federal tax matters under audit may decrease by up to $\n620\n based on current estimates.\nThe Organization for Economic Co-operation and Development has issued Pillar Two model rules introducing a new global minimum tax of 15% intended\nto be effective on January 1, 2024. While the US has not yet adopted the Pillar Two rules, various other governments around the world are enacting\nlegislation. As currently designed, Pillar Two will ultimately apply to our worldwide operations. Considering we do not have material operations in\njurisdictions with tax rates lower than the Pillar Two minimum, these rules are not expected to materially increase our global tax costs. There remains\nuncertainty as to the final Pillar Two model rules. We will continue to monitor US and global legislative action related to Pillar Two for potential impacts.\nNote 5 \u2013 \nAccounts Receivable, net\nAccounts receivable, net at December 31 consisted of the following:\n2023\n2022\nU.S. government contracts\n$\n970\n \n$\n800\n \nCommercial Airplanes\n57\n \n293\n \nGlobal Services\n1,526\n \n1,390\n \nDefense, Space, & Security\n160\n \n145\n \nOther\n25\n \n5\n \nLess valuation allowance\n(\n89\n)\n(\n116\n)\nTotal\n$\n2,649\n \n$\n2,517\n \nIncludes foreign military sales through the U.S. government\nExcludes U.S. government contracts\nNote 6 \u2013 \nAllowances for Losses on Financial Assets\nThe change in allowances for expected credit losses for the years ended December 31, 2023 and 2022 consisted of the following:\nAccounts\nreceivable\nUnbilled receivables\nOther Current\nAssets\nFinancing\nreceivables\nOther Assets\nTotal\nBalance at January 1, 2022\n($\n390\n)\n($\n91\n)\n($\n62\n)\n($\n18\n)\n($\n186\n)\n($\n747\n)\nChanges in estimates\n2\n \n21\n \n(\n27\n)\n(\n37\n)\n(\n35\n)\n(\n76\n)\nWrite-offs\n260\n \n47\n \n4\n \n133\n \n444\n \nRecoveries\n12\n \n12\n \nBalance at December 31, 2022\n($\n116\n)\n($\n23\n)\n($\n85\n)\n($\n55\n)\n($\n88\n)\n($\n367\n)\nBalance at January 1, 2023\n($\n116\n)\n($\n23\n)\n($\n85\n)\n($\n55\n)\n($\n88\n)\n($\n367\n)\nChanges in estimates\n(\n6\n)\n4\n \n30\n \n4\n \n(\n34\n)\n(\n2\n)\nWrite-offs\n29\n \n5\n \n34\n \nRecoveries\n4\n \n4\n \nBalance at December 31, 2023\n($\n89\n)\n($\n19\n)\n($\n50\n)\n($\n51\n)\n($\n122\n)\n($\n331\n)\n(1)\n(2)\n(2)\n(1)\n(2)\n73", "3f09e6a0-f8ad-446d-9433-8a4aff553c18": "Table of Contents\nNote 7 \u2013 \nInventories\nInventories at December 31 consisted of the following:\n2023\n2022\nCommercial aircraft programs\n$\n68,683\n \n$\n67,702\n \nLong-term contracts in progress\n686\n \n582\n \nCapitalized precontract costs\n946\n \n794\n \nCommercial spare parts, used aircraft, general stock materials and other\n9,426\n \n9,073\n \nTotal\n$\n79,741\n \n$\n78,151\n \nCapitalized precontract costs at December 31, 2023 and 2022 includes amounts related to KC-46A Tanker, Commercial Crew, and T-7A Red Hawk\nProduction Options. See Note 13.\nCommercial Aircraft Programs\nAt December 31, 2023 and 2022, commercial aircraft programs inventory included the following amounts related to the 737 program: deferred production\ncosts of $\n6,011\n and $\n2,955\n and unamortized tooling and other non-recurring costs of $\n792\n and $\n626\n. At December 31, 2023, $\n6,767\n of 737 deferred\nproduction costs, unamortized tooling and other non-recurring costs are expected to be recovered from units included in the program accounting quantity\nthat have firm orders, and $\n36\n is expected to be recovered from units included in the program accounting quantity that represent expected future orders.\nAt December 31, 2023 and 2022, commercial aircraft programs inventory included the following amounts related to the 777X program:\n \n$\n4,638\n and $\n4,059\nof work in process, $\n1,792\n and $\n1,330\n of deferred production costs, and $\n4,063\n and $\n3,774\n \nof unamortized tooling and other non-recurring costs. In April\n2022, we decided to pause production of the 777X-9 during 2022 and 2023, which resulted in abnormal production costs of $\n513\n and $\n325\n during the\nyears ended December 31, 2023 and 2022. In the fourth quarter of 2023, the 777X program resumed production.\nAt December 31, 2023 and 2022, commercial aircraft programs inventory included the following amounts related to the 787 program: deferred production\ncosts of $\n12,384\n and $\n12,689\n, $\n1,764\n and $\n1,831\n of supplier advances, and $\n1,480\n and $\n1,722\n of unamortized tooling and other non-recurring costs. At\nDecember 31, 2023, $\n12,384\n of 787 deferred production costs, unamortized tooling and other non-recurring costs are expected to be recovered from\nunits included in the program accounting quantity that have firm orders, and $\n1,480\n is expected to be recovered from units included in the program\naccounting quantity that represent expected future orders. We produced at abnormally low production rates resulting in abnormal production costs that\nwere expensed as incurred from the third quarter of 2021 through the third quarter of 2023. We expensed abnormal production costs of $\n1,014\n, $\n1,240\n,\nand $\n468\n during the years ended December 31, 2023, 2022 and 2021. The remaining abnormal costs associated with rework are not expected to be\nsignificant.\nCommercial aircraft programs inventory included amounts credited in cash or other consideration (early issue sales consideration) to airline customers\ntotaling $\n4,126\n and $\n3,586\n at December 31, 2023 and 2022.\nNote 8 \u2013 \nContracts with Customers\nUnbilled receivables decreased from $\n8,634\n at December 31, 2022 to $\n8,317\n at December 31, 2023, primarily driven by an increase in billings at BDS\nand BGS.\n(1)\n(1) \n74", "54250bce-8579-4ac9-ad6b-a4d2eb7f82f3": "Table of Contents\nThe following table summarizes our contract assets under long-term contracts that were unbillable or related to outstanding claims as of December 31:\nUnbilled\nClaims\n2023\n2022\n2023\n2022\nCurrent\n$\n6,565\n \n$\n6,478\n \n$\n6\n \nExpected to be collected after one year\n1,771\n \n2,179\n \n40\n \n$\n16\n \nLess valuation allowance\n(\n19\n)\n(\n23\n)\nTotal\n$\n8,317\n \n$\n8,634\n \n$\n46\n \n$\n16\n \nUnbilled receivables related to commercial customer incentives expected to be collected after one year were $\n42\n and $\n117\n at December 31, 2023 and\n2022. Unbilled receivables related to claims are items that we believe are earned, but are subject to uncertainty concerning their determination or\nultimate realization.\nAdvances and progress billings increased from $\n53,081\n at December 31, 2022 to $\n56,328\n at December 31, 2023, primarily driven by advances on orders\nreceived at BCA, partially offset by revenue recognized at BDS.\nRevenues recognized for the years ended December 31, 2023 and 2022 from amounts recorded as Advances and progress billings at the beginning of\neach year were $\n15,298\n and $\n12,087\n.\nNote 9 \u2013 \nFinancing Receivables and Operating Lease Equipment\nFinancing receivables and operating lease equipment, net consisted of the following at December 31:\n2023\n2022\nFinancing receivables:\nInvestment in sales-type leases\n$\n556\n \n$\n804\n \nNotes\n102\n \n385\n \nTotal financing receivables\n658\n \n1,189\n \nLess allowance for losses on receivables\n51\n \n55\n \nFinancing receivables, net\n607\n \n1,134\n \nOperating lease equipment, at cost, less accumulated depreciation of $\n70\n and $\n76\n352\n \n470\n \nTotal\n$\n959\n \n$\n1,604\n \nFinancing arrangements typically range in terms from \n1\n to \n12\n years and may include options to extend or terminate. Certain leases include provisions to\nallow the lessee to purchase the underlying aircraft at a specified price. At December 31, 2023 and 2022, $\n44\n and $\n405\n were determined to be\nuncollectible financing receivables and placed on non-accrual status. The allowance for losses on receivables remained largely unchanged during the\nyear ended December 31, 2023.\n75", "9e2d7009-0e00-4ab8-9565-d57aa6f2e6c8": "Table of Contents\nThe components of investment in sales-type leases at December 31 were as follows:\n2023\n2022\nGross lease payments receivable\n$\n697\n \n$\n924\n \nUnearned income\n(\n162\n)\n(\n206\n)\nNet lease payments receivable\n535\n \n718\n \nUnguaranteed residual assets\n21\n \n86\n \nTotal\n$\n556\n \n$\n804\n \nFinancing interest income received for the years ended December 31, 2023 and 2022 was $\n108\n and $\n13\n.\nFinancing receivables that were past due as of December 31, 2023 totaled $\n9\n.\nOur financing receivable balances at December 31, 2023 by internal credit rating category and year of origination consisted of the following:\nRating categories\nCurrent\n2022\n2021\n2020\n2019\nPrior\nTotal\nBBB\n$\n13\n \n$\n13\n \nBB\n$\n73\n \n$\n32\n \n$\n198\n \n$\n103\n \n$\n36\n \n53\n \n495\n \nB\n12\n \n94\n \n106\n \nCCC\n35\n \n9\n \n44\n \nTotal carrying value of financing receivables\n$\n73\n \n$\n32\n \n$\n233\n \n$\n103\n \n$\n48\n \n$\n169\n \n$\n658\n \nAt December 31, 2023, our allowance for losses related to receivables with ratings of CCC, B, BB and BBB. We applied default rates that averaged\n100.0\n%, \n0.0\n%, \n2.4\n% and \n0.1\n%, respectively, to the exposure associated with those receivables.\nFinancing Receivables Exposure\nThe majority of our financing receivables and operating lease equipment portfolio is concentrated in the following aircraft models at December 31:\n2023\n2022\n717 Aircraft ($\n0\n and $\n45\n accounted for as operating leases)\n$\n478\n \n$\n563\n \n747-8 Aircraft (Accounted for as sales-type leases)\n129\n \n394\n \n737 Aircraft ($\n148\n and $\n174\n accounted for as operating leases)\n156\n \n186\n \n777 Aircraft ($\n194\n and $\n209\n accounted for as operating leases)\n194\n \n209\n \nMD-80 Aircraft (Accounted for as sales-type leases)\n \n96\n \n757 Aircraft (Accounted for as sales-type leases)\n \n107\n \n747-400 Aircraft (Accounted for as sales-type leases)\n43\n \n46\n \nOperating lease equipment primarily includes large commercial jet aircraft.\nImpairment charges related to operating lease assets were $\n0\n, $\n7\n, and $\n31\n for the years ended December 31, 2023, 2022 and 2021.\nLease income recorded in Sales of services on the Consolidated Statements of Operations for the years ended December 31, 2023, 2022 and 2021\nincluded $\n55\n, $\n69\n, and $\n54\n of interest income from\n76", "075f160a-5311-476c-8432-f25947ed3b7b": "Table of Contents\nsales-type leases, and $\n60\n, $\n65\n, and $\n68\n from \noperating lease\n payments. Profit at the commencement of sales-type leases was recorded in Sales of\nservices for the years ended December 31, 2023, 2022 and 2021 in the amount of $\n32\n, $\n28\n, and $\n78\n.\nAs of December 31, 2023, undiscounted cash flows for notes receivable, sales-type and operating leases over the next five years and thereafter are as\nfollows:\nNotes receivable\nSales-type leases\nOperating leases\nYear 1\n$\n17\n \n$\n149\n \n$\n69\n \nYear 2\n9\n \n102\n \n61\n \nYear 3\n10\n \n109\n \n52\n \nYear 4\n11\n \n127\n \n47\n \nYear 5\n12\n \n137\n \n45\n \nThereafter\n43\n \n73\n \n48\n \nTotal financing receipts\n102\n \n697\n \n322\n \nLess imputed interest\n(\n162\n)\nEstimated unguaranteed residual values\n21\n \nTotal\n$\n102\n \n$\n556\n \n$\n322\n \nAt December 31, 2023 and December 31, 2022, unguaranteed residual values were $\n21\n and $\n86\n.\nNote 10 \u2013 \nProperty, Plant and Equipment\nProperty, plant and equipment at December 31 consisted of the following:\n2023\n2022\nLand\n$\n377\n \n$\n376\n \nBuildings and land improvements\n14,795\n \n14,404\n \nMachinery and equipment\n16,055\n \n15,844\n \nConstruction in progress\n1,679\n \n1,368\n \nGross property, plant and equipment\n32,906\n \n31,992\n \nLess accumulated depreciation\n(\n22,245\n)\n(\n21,442\n)\nTotal\n$\n10,661\n \n$\n10,550\n \nDepreciation expense was $\n1,328\n, $\n1,396\n and $\n1,488\n for 2023, 2022 and 2021, respectively. Interest capitalized in 2023, 2022 and 2021 totaled $\n101\n,\n$\n89\n and $\n76\n, respectively.\nDuring 2023 and 2022, we acquired $\n124\n and $\n101\n of property, plant and equipment through non-cash investing and financing transactions. Accounts\npayable related to purchases of property, plant and equipment were $\n498\n and $\n396\n for the years ended December 31, 2023 and 2022.\n77", "9c291920-4d81-49ee-9582-e4e5617f1e29": "Table of Contents\nNote 11 \u2013 \nInvestments\nOur investments, which are recorded in Short-term and other investments or Investments, consisted of the following at December 31:\n2023\n \n2022\nTime deposits \n$\n2,753\n \n$\n2,093\n \nEquity method investments \n966\n \n948\n \nAvailable-for-sale debt investments \n499\n \n479\n \nEquity and other investments\n69\n \n36\n \nRestricted cash & cash equivalents \n22\n \n33\n \nTotal\n$\n4,309\n \n$\n3,589\n \nIncluded in Short-term and other investments on our Consolidated Statements of Financial Position.\nDividends received were $\n31\n and $\n111\n during 2023 and 2022. Retained earnings at December 31, 2023 include undistributed earnings from our\nequity method investments of $\n110\n.\nReflects amounts restricted in support of our property sales, workers\u2019 compensation programs and insurance premiums.\nContributions to investments and Proceeds from investments on our Consolidated Statements of Cash Flows primarily relate to time deposits and\navailable-for-sale debt investments. Cash used for the purchase of time deposits during 2023, 2022 and 2021 was $\n15,794\n, $\n4,358\n and $\n34,905\n,\nrespectively. Cash proceeds from the maturities of time deposits during 2023, 2022 and 2021 were $\n15,140\n, $\n9,943\n and $\n44,372\n, respectively.\nAllowance for losses on available-for-sale debt investments are assessed quarterly. All instruments are considered investment grade, and we have not\nrecognized an allowance for credit losses as of December 31, 2023.\nEquity Method Investments\nOur equity method investments consisted of the following at December 31:\nSegment\nOwnership Percentages\nInvestment Balance\n2023\n \n2022\nUnited Launch Alliance\nBDS\n50\n%\n$\n582\n \n$\n587\n \nOther\nBCA, BDS, BGS and Other\n384\n \n361\n \nTotal equity method investments\n$\n966\n \n$\n948\n \nNote 12 \u2013 \nLeases\nOur operating lease assets primarily represent manufacturing and research and development facilities, warehouses and offices. Total operating lease\nexpense was $\n457\n and $\n421\n for the years ended December 31, 2023 and 2022, of which $\n76\n and $\n75\n was attributable to variable lease expenses.\nFor the years ended December 31, 2023 and 2022, cash payments against operating lease liabilities totaled $\n323\n and $\n294\n and non-cash transactions\ntotaled $\n488\n and $\n245\n to recognize operating assets and liabilities for new leases.\n(1)\n(2)\n(1)\n(1)(3)\n(1)\n(2)\n(3)\n78", "7a238cb7-0105-4d40-ae9e-33bdbae97940": "Table of Contents\nSupplemental Consolidated Statement of Financial Position information related to leases consisted of the following at December 31:\n2023\n2022\nOperating leases:\nOperating lease right-of-use assets\n$\n1,690\n$\n1,451\nCurrent portion of lease liabilities\n296\n276\nNon-current portion of lease liabilities\n1,518\n1,305\nTotal operating lease liabilities\n$\n1,814\n$\n1,581\nWeighted average remaining lease term \n(years)\n11\n12\nWeighted average discount rate\n3.21\n%\n4.13\n%\nOperating lease assets are included in Other assets, net, with the related liabilities included in Accrued liabilities and Other long-term liabilities.\nMaturities of operating lease liabilities for the next five years are as follows:\nOperating leases\n2024\n$\n358\n \n2025\n317\n \n2026\n279\n \n2027\n230\n \n2028\n182\n \nThereafter\n1,032\n \nTotal lease payments\n2,398\n \nLess imputed interest\n(\n584\n)\nTotal\n$\n1,814\n \nAs of December 31, 2023, we have entered into leases that have not yet commenced of $\n430\n, primarily for a maintenance, repair and overhaul hangar\nthat will support military aircraft programs. These leases will commence in 2024 with lease terms of \n2\n years to \n27\n years.\n79", "2b3082ea-a758-45ff-ba6b-bdba1cdff560": "Table of Contents\nNote 13 \u2013 \nLiabilities, Commitments and Contingencies\nAccrued Liabilities\nAccrued liabilities at December 31 consisted of the following:\n2023\n2022\nAccrued compensation and employee benefit costs\n$\n6,721\n \n$\n6,351\n \n737 MAX customer concessions and other considerations\n1,327\n \n1,864\n \nOther customer concessions and considerations\n1,300\n \n1,102\n \nEnvironmental\n844\n \n752\n \nProduct warranties\n2,448\n \n2,275\n \nForward loss recognition\n4,699\n \n4,060\n \nAccrued interest payable\n652\n \n599\n \nCurrent portion of lease liabilities\n296\n \n276\n \nCurrent portion of retiree healthcare and pension liabilities\n473\n \n494\n \nOther\n3,571\n \n3,808\n \nTotal\n$\n22,331\n \n$\n21,581\n \n737 MAX Customer Concessions and Other Considerations\nThe following table summarizes changes in the 737 MAX customer concessions and other considerations liability during 2023 and 2022.\n2023\n2022\nBeginning balance \u2013 January 1\n$\n1,864\n \n$\n2,940\n \nReductions for payments made\n(\n449\n)\n(\n1,031\n)\nReductions for concessions and other in-kind considerations\n(\n61\n)\n(\n29\n)\nChanges in estimates\n(\n27\n)\n(\n16\n)\nEnding balance \u2013 December 31\n$\n1,327\n \n$\n1,864\n \nAt December 31, 2023, $\n0.1\n billion of the liability balance remains subject to negotiations with customers. We expect to pay $\n0.6\n billion in 2024 while\nthe remaining amounts are expected to be liquidated by lower customer delivery payments.\nEnvironmental\nThe following table summarizes changes in environmental remediation liabilities during the years ended December 31, 2023 and 2022.\n2023\n2022\nBeginning balance \u2013 January 1\n$\n752\n \n$\n605\n \nReductions for payments made, net of recoveries\n(\n79\n)\n(\n43\n)\nChanges in estimates\n171\n \n190\n \nEnding balance \u2013 December 31\n$\n844\n \n$\n752\n \nThe liabilities recorded represent our best estimate or the low end of a range of reasonably possible costs expected to be incurred to remediate sites,\nincluding operation and maintenance over periods of up to 30 years. It is reasonably possible that we may incur costs that exceed these recorded\namounts because of regulatory agency orders and directives, changes in laws and/or regulations, higher than\n80", "f160538a-05d7-4dc9-92bb-118c9d4729e5": "Table of Contents\nexpected costs and/or the discovery of new or additional contamination. As part of our estimating process, we develop a range of reasonably possible\nalternate scenarios that includes the high end of a range of reasonably possible cost estimates for all remediation sites for which we have sufficient\ninformation based on our experience and existing laws and regulations. There are some potential remediation obligations where the costs of remediation\ncannot be reasonably estimated. At December 31, 2023 and 2022, the high end of the estimated range of reasonably possible remediation costs\nexceeded our recorded liabilities by $\n1,030\n and $\n1,058\n.\nProduct Warranties\nThe following table summarizes changes in product warranty liabilities recorded during the years ended December 31, 2023 and 2022.\n2023\n2022\nBeginning balance \u2013 January 1\n$\n2,275\n \n$\n1,900\n \nAdditions for current year deliveries\n164\n \n202\n \nReductions for payments made\n(\n320\n)\n(\n403\n)\nChanges in estimates\n329\n \n576\n \nEnding balance \u2013 December 31\n$\n2,448\n \n$\n2,275\n \nCommercial Aircraft Trade-In Commitments\nIn conjunction with signing definitive agreements for the sale of new aircraft, we have entered into trade-in commitments with certain customers that give\nthem the right to trade in used aircraft at a specified price. The probability that trade-in commitments will be exercised is determined by using both\nquantitative information from valuation sources and qualitative information from other sources. The probability of exercise is assessed quarterly, or as\nevents trigger a change, and takes into consideration the current economic and airline industry environments. Trade-in commitments, which can be\nterminated by mutual consent with the customer, may be exercised only during the period specified in the agreement and require advance notice by the\ncustomer.\nTrade-in commitment agreements at December 31, 2023 have expiration dates from 2024 through 2030. At December 31, 2023 and 2022, total\ncontractual trade-in commitments were $\n1,415\n and $\n1,117\n. As of December 31, 2023 and 2022, we estimated that it was probable we would be\nobligated to perform on certain of these commitments with net amounts payable to customers totaling $\n407\n and $\n286\n, and the fair value of the related\ntrade-in aircraft was $\n407\n and $\n286\n.\n81", "5b5a9443-650d-4f69-8e31-77910762ac05": "Table of Contents\nFinancing Commitments\nFinancing commitments related to aircraft on order, including options and those proposed in sales campaigns, and refinancing of delivered aircraft,\ntotaled $\n17,003\n and $\n16,105\n as of December 31, 2023 and 2022. \nThe estimated earliest potential funding dates for these commitments as of\nDecember 31, 2023 are as follows:\nTotal\n2024\n$\n1,946\n \n2025\n3,098\n \n2026\n4,829\n \n2027\n2,421\n \n2028\n1,641\n \nThereafter\n3,068\n \n$\n17,003\n \nAs of December 31, 2023, all of these financing commitments relate to customers we believe have less than investment-grade credit. We have\nconcluded that no reserve for future potential losses is required for these financing commitments based upon the terms, such as collateralization and\ninterest rates, under which funding would be provided.\nOther Financial Commitments\nWe have financial commitments to make additional capital contributions totaling $\n264\n related to certain joint ventures over the next \nnine years\n.\nStandby Letters of Credit and Surety Bonds\nWe have entered into standby letters of credit and surety bonds with financial institutions primarily relating to the guarantee of our future performance on\ncertain contracts and security agreements. Contingent liabilities on outstanding letters of credit agreements and surety bonds aggregated approximately\n$\n4,548\n and $\n5,070\n as of December 31, 2023 and 2022.\nCompany Owned Life Insurance\nMcDonnell Douglas Corporation insured its executives with Company Owned Life Insurance (COLI), which are life insurance policies with a cash\nsurrender value. Although we do not use COLI currently, these obligations from the merger with McDonnell Douglas are still a commitment at this time.\nWe have loans in place to cover costs paid or incurred to carry the underlying life insurance policies. As of December 31, 2023 and 2022, the cash\nsurrender value was $\n360\n and $\n376\n and the total loans were $\n334\n and $\n346\n. As we have the right to offset the loans against the cash surrender value of\nthe policies, we present the net asset in Other assets on the Consolidated Statements of Financial Position as of December 31, 2023 and 2022.\nSupply Chain Financing Programs\nThe Company has supply chain financing programs in place under which participating suppliers may elect to obtain payment from an intermediary. The\nCompany confirms the validity of invoices from participating suppliers and agrees to pay the intermediary an amount based on invoice totals. The\nmajority of amounts payable under these programs are due within \n30\n to \n90\n days but may extend up to \n12\n months. At December 31, 2023 and 2022,\nAccounts payable included $\n2.9\n billion and $\n2.5\n billion payable to suppliers who have elected to participate in these programs. We do not believe that\nfuture changes in the availability of supply chain financing would have a significant impact on our liquidity.\n82", "67610540-f98e-4a69-9268-e62c3fcd27f1": "Table of Contents\nGovernment Assistance\nCertain states and localities in which we operate offer or have offered various business incentives related to investment and/or job creation. Between 2010\nand 2016, we received cash grants totaling $\n346\n related to our investment in operations in South Carolina. The grants were recorded in Accrued liabilities\nand are being amortized, primarily to inventory, over the useful life of the Property, plant and equipment extending through 2052. During 2023 and 2022,\nwe amortized $\n10\n and $\n11\n to Inventories, and recorded a benefit of $\n12\n and $\n5\n in cost of sales. At December 31, 2023 and 2022, Inventories included a\nbenefit of $\n62\n and $\n64\n and Accrued liabilities included a balance of $\n97\n and $\n106\n.\nWe are eligible to claim tax refunds from the State of Missouri and City of Irving, Texas primarily related to job creation and retention through 2031.\nDuring 2023 and 2022, we received $\n22\n and $\n30\n in cash and recorded a benefit of $\n28\n and $\n21\n in cost of sales. At December 31, 2023 and 2022, Other\ncurrent assets includes receivables of $\n26\n and $\n20\n. As of December 31, 2023, $\n60\n of refunds, plus interest, is subject to clawback if we fail to meet\ncertain conditions, including employment levels.\nWe are eligible to claim cash grants through 2032 of up to $\n62\n, related to operations in Queensland, Australia. During 2023 and 2022, $\n5\n and $\n7\n cash\nwas received and recorded as a benefit in cost of sales. At December 31, 2023, $\n4\n is subject to clawback if we fail to meet certain conditions, including\nemployment levels.\nIndustrial Revenue Bonds (IRB) issued by St. Louis County and the city of St. Charles, Missouri were used to finance the purchase and/or construction\nof real and personal property at our St. Louis and St. Charles sites. Tax benefits associated with IRBs include twelve-year property tax abatements and\nsales tax exemptions from St. Louis County and a 22 year property tax abatement and sales tax exemption from the city of St. Charles. We record\nthese properties on our Consolidated Statements of Financial Position. We have also purchased the IRBs, and therefore, are the bondholders as well as\nthe borrower/lessee of the properties purchased with the IRB proceeds. The liabilities and IRB assets are equal and are reported net in the Consolidated\nStatements of Financial Position. As of December 31, 2023 and 2022, the assets and liabilities associated with the IRBs were $\n333\n and $\n271\n.\nRecoverable Costs on Government Contracts\nOur final incurred costs for each year are subject to audit and review for allowability by the U.S. government, which can result in payment demands\nrelated to costs they believe should be disallowed. We work with the U.S. government to assess the merits of claims and where appropriate reserve for\namounts disputed. If we are unable to satisfactorily resolve disputed costs, we could be required to record an earnings charge and/or provide refunds to\nthe U.S. government.\nFixed-Price Contracts\nLong-term contracts that are contracted on a fixed-price basis could result in losses in future periods. Certain of the fixed-price contracts are for the\ndevelopment of new products, services and related technologies. This development work scope is inherently uncertain and subject to significant\nvariability in estimates of the cost and time required to complete the work by us and our suppliers. The operational and technical complexities of fixed-\nprice development contracts create financial risk, which could trigger additional earnings charges, termination provisions, order cancellations, or other\nfinancially significant exposure.\nVC-25B Presidential Aircraft\nThe Company\u2019s firm fixed-price contract for the Engineering and Manufacturing Development (EMD) effort on the U.S. Air Force\u2019s (USAF) VC-25B\nPresidential Aircraft, commonly known as Air Force One, is a $\n4\n billion program to develop and modify \ntwo\n 747-8 commercial aircraft. During 2022, we\nincreased\n83", "79ce6de9-eed4-4e27-ba5e-3c645c552a62": "Table of Contents\nthe reach-forward loss on the contract by $\n1,452\n. This year we made progress completing engineering and production requirements. During 2023, we\nincreased the reach-forward loss on the contract by $\n482\n driven by engineering changes to support the build and installation process; the resolution of\nsupplier negotiations; and factory performance related to labor instability. While we have provisioned for all of our anticipated costs to complete the\ncontract, risk remains that we may record additional losses in future periods.\nKC-46A Tanker\nIn 2011, we were awarded a contract from the USAF to design, develop, manufacture, and deliver \nfour\n next generation aerial refueling tankers as well as\npriced options for \n13\n annual production lots totaling \n179\n aircraft. Since 2016, the USAF has authorized \nten\n low rate initial production (LRIP) lots for a\ntotal of \n139\n aircraft, including lots 9 and 10 that were authorized in 2023. The EMD contract and authorized LRIP lots total approximately $\n27\n billion as of\nDecember 31, 2023.\nDuring 2022, we increased the reach-forward loss on the KC-46A Tanker program by $\n1,374\n. During 2023, we increased the reach-forward loss on the\nKC-46A Tanker program by $\n309\n primarily resulting from factory disruption and additional rework due to a supplier quality issue. As of December 31,\n2023, we had approximately $\n125\n of capitalized precontract costs and $\n48\n of potential termination liabilities to suppliers related to unexercised future\nlots. Risk remains that we may record additional losses in future periods.\nMQ-25\nIn the third quarter of 2018, we were awarded the MQ-25 EMD contract by the U.S. Navy. The contract is a fixed-price contract that now includes\ndevelopment and delivery of \nseven\n aircraft and test articles at a contract price of $\n890\n. In connection with winning the competition, we recognized a\nreach-forward loss of $\n291\n in the third quarter of 2018. During 2022, we increased the MQ-25 reach-forward loss by $\n579\n. During 2023, we increased the\nreach-forward loss by $\n231\n primarily driven by production and flight testing delays as well as higher than anticipated production costs to complete EMD\naircraft attributable to recent factory performance. Risk remains that we may record additional losses in future periods.\nT-7A Red Hawk EMD Contract & Production Options\nIn 2018, we were awarded the T-7A Red Hawk program. The EMD portion of the contract is a $\n860\n fixed-price contract and includes \nfive\n aircraft and\nseven\n simulators. During the year ended December 31, 2022, we recorded earnings charges of $\n203\n related to the T-7A Red Hawk fixed-price EMD\ncontract, which had a reach-forward loss at December 31, 2022. The production portion of the contract includes \n11\n production lots for aircraft and related\nservices for 346 T-7A Red Hawk aircraft that we believe are probable of being exercised. We expect the first production and support contract option to be\nexercised in 2025. During 2022, we increased the reach-forward loss by $\n552\n. During 2023, we increased the reach-forward loss by $\n275\n primarily\nreflecting higher estimated production costs. At December 31, 2023, we had approximately $\n185\n of capitalized precontract costs and $\n249\n of potential\ntermination liabilities to suppliers related to future production lots. Risk remains that we may record additional losses in future periods.\nCommercial Crew\nNational Aeronautics and Space Administration (NASA) has contracted us to design and build the CST-100 Starliner spacecraft to transport crews to the\nInternational Space Station and in the second quarter of 2022 we successfully completed the uncrewed Orbital Flight Test. During 2022, we increased\nthe reach-forward loss by $\n288\n. During 2023, we also increased the reach-forward loss by $\n288\n primarily as a result of delaying the crewed flight test\npreviously scheduled for July 2023 following\n84", "da05fb10-a395-425e-b9f7-56a7d5e28730": "Table of Contents\nnotification by a parachute supplier of an issue identified through testing. A crewed flight test is now planned for April 2024. At December 31, 2023, we\nhad approximately $\n226\n of capitalized precontract costs and $\n160\n of potential termination liabilities to suppliers related to unauthorized future missions.\nRisk remains that we may record additional losses in future periods.\nNote 14 \u2013 \nArrangements with Off-Balance Sheet Risk\nWe enter into arrangements with off-balance sheet risk in the normal course of business, primarily in the form of guarantees.\nThe following table provides quantitative data regarding our third party guarantees. The maximum potential payments represent a \u201cworst-case scenario\u201d\nand do not necessarily reflect amounts that we expect to pay. The carrying amount of liabilities represents the amount included in Accrued liabilities.\nMaximum\nPotential\nPayments\nEstimated\nProceeds from\nCollateral/\nRecourse\nCarrying\nAmount of\nLiabilities\nDecember 31,\n2023\n2022\n2023\n2022\n2023\n2022\nContingent repurchase commitments\n$\n404\n \n$\n514\n \n$\n404\n \n$\n514\n \nCredit guarantees\n15\n \n45\n \n \n$\n14\n \n$\n27\n \nContingent Repurchase Commitments\n In conjunction with signing a definitive agreement for the sale of commercial aircraft, we have entered into\ncontingent repurchase commitments with certain customers wherein we agree to repurchase the sold aircraft at a specified price, generally 10 to 15\nyears after delivery. Our repurchase of the aircraft is contingent upon entering into a mutually acceptable agreement for the sale of additional new aircraft\nin the future. The commercial aircraft repurchase price specified in contingent repurchase commitments is generally lower than the expected fair value at\nthe specified repurchase date. Estimated proceeds from collateral/recourse in the table above represent the lower of the contracted repurchase price or\nthe expected fair value of each aircraft at the specified repurchase date.\nIf a future sale agreement is reached and a customer elects to exercise its right under a contingent repurchase commitment, the contingent repurchase\ncommitment becomes a trade-in commitment. Our historical experience is that contingent repurchase commitments infrequently become trade-in\ncommitments.\nCredit Guarantees\n We have issued credit guarantees where we are obligated to make payments to a guaranteed party in the event that the original\nlessee or debtor does not make payments or perform certain specified services. Generally, these guarantees have been extended on behalf of\nguaranteed parties with less than investment-grade credit. Current outstanding credit guarantees expire through 2036.\nOther Indemnifications\n In conjunction with our sales of Electron Dynamic Devices, Inc. and Rocketdyne Propulsion and Power businesses and our\nBCA facilities in Wichita, Kansas and Tulsa and McAlester, Oklahoma, we agreed to indemnify, for an indefinite period, the buyers for costs relating to\npre-closing environmental conditions and certain other items. We are unable to assess the potential number of future claims that may be asserted under\nthese indemnifications, nor the amounts thereof (if any). As a result, we cannot estimate the maximum potential amount of future payments under these\nindemnities. To the extent that claims have been made under these indemnities and/or are probable and reasonably estimable, liabilities associated with\nthese indemnities are included in the environmental liability disclosure in Note 13.\n85", "c5a7aabb-c477-4ade-b8ce-729403c4dbb0": "Table of Contents\nNote 15 \u2013 \nDebt\nIn the third quarter of 2023, we entered into a $\n3,000\n \nfive-year\n revolving credit agreement expiring in August 2028 and a $\n800\n \n364\n-day revolving credit\nagreement expiring in August 2024. The \n364\n-day credit facility has a \none-year\n term out option which allows us to extend the maturity of any borrowings\nuntil August 2025. The legacy \nthree-year\n revolving credit agreement expiring in August 2025, which consists of $\n3,000\n of total commitments, and the\nlegacy \nfive-year\n revolving credit agreement expiring in October 2024, as amended, which consists of $\n3,200\n of total commitments, each remain in effect.\nAs of December 31, 2023, we had $\n10,000\n currently available under credit line agreements. We continue to be in full compliance with all covenants\ncontained in our debt or credit facility agreements.\nInterest incurred, including amounts capitalized, was $\n2,560\n, $\n2,650\n and $\n2,790\n for the years ended December 31, 2023, 2022 and 2021, respectively.\nTotal Company interest payments, net of amounts capitalized, were $\n2,408\n, $\n2,572\n and $\n2,583\n for the years ended December 31, 2023, 2022 and 2021,\nrespectively.\nShort-term debt and current portion of long-term debt at December 31 consisted of the following:\n2023\n2022\nUnsecured debt\n$\n5,072\n \n$\n5,103\n \nFinance lease obligations\n77\n \n65\n \nOther notes\n55\n \n22\n \nTotal\n$\n5,204\n \n$\n5,190\n \nDebt at December 31 consisted of the following:\n2023\n2022\nUnsecured debt\n1.17\n% - \n2.50\n% due through 2026\n$\n10,135\n \n11,846\n \n2.60\n% - \n3.20\n% due through 2030\n6,071\n \n6,412\n \n3.25\n% - \n3.90\n% due through 2059\n9,584\n \n9,576\n \n3.95\n% - \n5.15\n% due through 2059\n11,024\n \n14,035\n \n5.71\n% - \n6.63\n% due through 2060\n13,015\n \n13,011\n \n6.88\n% - \n8.75\n% due through 2043\n1,855\n \n1,854\n \nOther debt and notes\nFinance lease obligations due through 2044\n253\n \n206\n \nOther notes\n370\n \n61\n \nTotal debt\n$\n52,307\n \n$\n57,001\n \nScheduled principal payments for debt and minimum finance lease obligations for the next five years are as follows:\n2024\n2025\n2026\n2027\n2028\nDebt and other notes\n$\n5,128\n \n$\n4,581\n \n$\n7,983\n \n$\n3,300\n \n$\n1,800\n \nMinimum finance lease obligations\n$\n84\n \n$\n76\n \n$\n55\n \n$\n24\n \n$\n3\n \n86", "2b7c14ce-8866-44fb-a10a-00ad8cacda82": "Table of Contents\nNote 16 \u2013 \nPostretirement Plans\nMany of our employees have earned benefits under defined benefit pension plans. The majority of employees that had participated in defined benefit\npension plans have transitioned to a company-funded defined contribution retirement savings plan.\nWe fund our major pension plans through trusts. Pension assets are placed in trust solely for the benefit of the plans\u2019 participants and are structured to\nmaintain liquidity that is sufficient to pay benefit obligations as well as to keep pace over the long-term with the growth of obligations for future benefit\npayments.\nWe also have other postretirement benefits (OPB) other than pensions which consist principally of health care coverage for eligible retirees and qualifying\ndependents, and to a lesser extent, life insurance to certain groups of retirees. Retiree health care is provided principally until age 65 for approximately\nthree-fourths of those participants who are eligible for retiree health care coverage. Certain employee groups, including employees covered by most\nUnited Auto Workers bargaining agreements, are provided lifetime health care coverage.\nThe funded status of the plans is measured as the difference between the plan assets at fair value and the projected benefit obligation (PBO). We have\nrecognized the aggregate of all overfunded plans in Other assets and the aggregate of all underfunded plans in either Accrued retiree health care or\nAccrued pension plan liability, net. The portion of the amount by which the actuarial present value of benefits included in the PBO exceeds the fair value\nof plan assets, payable in the next 12 months, is reflected in Accrued liabilities.\nThe components of net periodic benefit (income)/cost were as follows:\nPension\nOther Postretirement Benefits\nYears ended December 31,\n2023\n2022\n2021\n2023\n2022\n2021\nService cost\n$\n2\n \n$\n3\n \n$\n3\n \n$\n49\n \n$\n72\n \n$\n87\n \nInterest cost\n2,820\n \n2,080\n \n1,988\n \n148\n \n98\n \n97\n \nExpected return on plan assets\n(\n3,441\n)\n(\n3,789\n)\n(\n3,848\n)\n(\n9\n)\n(\n10\n)\n(\n7\n)\nAmortization of prior service credits\n(\n81\n)\n(\n81\n)\n(\n80\n)\n(\n22\n)\n(\n35\n)\n(\n35\n)\nRecognized net actuarial loss/(gain)\n173\n \n913\n \n1,219\n \n(\n175\n)\n(\n111\n)\n(\n56\n)\nSettlement/curtailment (gain)/loss\n(\n4\n)\n193\n \nNet periodic benefit (income)/cost\n($\n527\n)\n($\n878\n)\n($\n525\n)\n($\n9\n)\n$\n14\n \n$\n86\n \nNet periodic benefit cost included in Loss from operations\n$\n2\n \n$\n3\n \n$\n3\n \n$\n62\n \n$\n79\n \n$\n90\n \nNet periodic benefit income included in Other income, net\n(\n529\n)\n(\n881\n)\n(\n528\n)\n(\n58\n)\n(\n58\n)\n(\n1\n)\nNet periodic benefit (income)/cost included in Loss before\nincome taxes\n($\n527\n)\n($\n878\n)\n($\n525\n)\n$\n4\n \n$\n21\n \n$\n89\n \nThe following tables show changes in the benefit obligation, plan assets and funded status of both pensions and OPB for the years ended December 31,\n2023 and 2022. Benefit obligation balances presented below reflect the PBO for our pension plans and accumulated postretirement benefit obligations\n(APBO) for our OPB plans.\n87", "3dc2896c-85ef-49d8-81c9-27080011062c": "Table of Contents\nPension\nOther Postretirement Benefits\n2023\n2022\n2023\n2022\nChange in benefit obligation\nBeginning balance\n$\n55,117\n \n$\n75,635\n \n$\n2,978\n \n$\n4,092\n \nService cost\n2\n \n3\n \n49\n \n72\n \nInterest cost\n2,820\n \n2,080\n \n148\n \n98\n \nAmendments\n \n1\n \n \nActuarial loss/(gain)\n1,217\n \n(\n17,605\n)\n(\n152\n)\n(\n914\n)\nGross benefits paid\n(\n4,837\n)\n(\n4,971\n)\n(\n375\n)\n(\n406\n)\nSubsidies\n \n2\n \n39\n \nExchange rate adjustment\n6\n \n(\n26\n)\n1\n \n(\n3\n)\nEnding balance\n$\n54,325\n \n$\n55,117\n \n$\n2,651\n \n$\n2,978\n \nChange in plan assets\nBeginning balance at fair value\n$\n49,825\n \n$\n67,813\n \n$\n140\n \n$\n172\n \nActual return on plan assets\n3,756\n \n(\n13,141\n)\n23\n \n(\n27\n)\nCompany contribution\n \n2\n \nPlan participants\u2019 contributions\n \n4\n \n6\n \nBenefits paid\n(\n4,698\n)\n(\n4,824\n)\n(\n4\n)\n(\n11\n)\nExchange rate adjustment\n8\n \n(\n25\n)\nEnding balance at fair value\n$\n48,891\n \n$\n49,825\n \n$\n163\n \n$\n140\n \nAmounts recognized in statement of financial position at December 31\nconsist of:\nOther assets\n$\n1,219\n \n$\n987\n \n$\n81\n \n$\n21\n \nAccrued liabilities\n(\n137\n)\n(\n138\n)\n(\n336\n)\n(\n356\n)\nAccrued retiree health care\n(\n2,233\n)\n(\n2,503\n)\nAccrued pension plan liability, net\n(\n6,516\n)\n(\n6,141\n)\nNet amount recognized\n($\n5,434\n)\n($\n5,292\n)\n($\n2,488\n)\n($\n2,838\n)\nAmounts recognized in Accumulated other comprehensive loss (AOCI) at December 31 were as follows:\nPension\nOther Postretirement Benefits\n2023\n2022\n2023\n2022\nNet actuarial loss/(gain)\n$\n18,175\n \n$\n17,448\n \n($\n1,852\n)\n($\n1,862\n)\nPrior service credits\n(\n1,143\n)\n(\n1,224\n)\n(\n19\n)\n(\n41\n)\nTotal recognized in AOCI\n$\n17,032\n \n$\n16,224\n \n($\n1,871\n)\n($\n1,903\n)\n88", "63f5e948-7ea9-4f3d-8797-57fd81ae9cd0": "Table of Contents\nThe accumulated benefit obligation (ABO) for all pension plans was $\n53,671\n and $\n54,481\n at December 31, 2023 and 2022. \nKey information for our plans\nwith ABO and PBO in excess of plan assets as of December 31 was as follows:\n2023\n2022\nAccumulated benefit obligation\n$\n47,665\n \n$\n48,134\n \nFair value of plan assets\n41,666\n \n42,491\n \n2023\n2022\nProjected benefit obligation\n$\n48,320\n \n$\n48,770\n \nFair value of plan assets\n41,666\n \n42,491\n \nAssumptions\nThe following assumptions, which are the weighted average for all plans, are used to calculate the benefit obligation at December 31 of each year and the\nnet periodic benefit cost for the subsequent year.\nDecember 31,\n2023\n2022\n2021\nDiscount rate:\nPension\n5.10\n \n%\n5.40\n \n%\n2.80\n \n%\nOther postretirement benefits\n5.00\n \n%\n5.30\n \n%\n2.50\n \n%\nExpected return on plan assets\n6.00\n \n%\n6.00\n \n%\n6.30\n \n%\nRate of compensation increase\n4.30\n \n%\n4.30\n \n%\n4.30\n \n%\nInterest crediting rates for cash balance plans\n5.00\n \n%\n5.00\n \n%\n5.00\n \n%\nThe discount rate for each plan is determined based on the plans\u2019 expected future benefit payments using a yield curve developed from high quality\nbonds that are rated as Aa or better by at least half of the four rating agencies utilized as of the measurement date. The yield curve is fitted to yields\ndeveloped from bonds at various maturity points. Bonds with the ten percent highest and the ten percent lowest yields are omitted. The present value of\neach plan\u2019s benefits is calculated by applying the discount rates to projected benefit cash flows.\nThe pension fund\u2019s expected return on plan assets assumption is derived from a review of actual historical returns achieved by the pension trust and\nanticipated future long-term performance of individual asset classes. While consideration is given to historical returns, the assumption represents a long-\nterm, prospective return. The expected return on plan assets component of the net periodic benefit cost for the upcoming plan year is determined based\non the expected return on plan assets assumption and the market-related value of plan assets (MRVA). Since our adoption of the accounting standard\nfor pensions in 1987, we have determined the MRVA based on a five-year moving average of plan assets. As of December 31, 2023, the MRVA was\napproximately $\n8,466\n more than the fair market value of assets.\nAssumed health care cost trend rates were as follows:\nDecember 31,\n2023\n2022\n2021\nHealth care cost trend rate assumed next year\n5.50\n \n%\n5.50\n \n%\n4.50\n \n%\nUltimate trend rate\n4.50\n \n%\n4.50\n \n%\n4.50\n \n%\nYear that trend reaches ultimate rate\n2028\n2028\n2021\n89", "376cbbca-4324-4297-93c8-22f6a9e7d82e": "Table of Contents\nPlan Assets\nInvestment Strategy\n The overall objective of our pension assets is to earn a rate of return over time to satisfy the benefit obligations of the pension\nplans and to maintain sufficient liquidity to pay benefits and address other cash requirements of the pension fund. Specific investment objectives for our\nlong-term investment strategy include reducing the volatility of pension assets relative to pension liabilities, achieving a competitive total investment\nreturn, achieving diversification between and within asset classes and managing other risks. Investment objectives for each asset class are determined\nbased on specific risks and investment opportunities identified.\nWe periodically update our long-term, strategic asset allocations. We use various analytics to determine the optimal asset mix and consider plan liability\ncharacteristics, liquidity characteristics, funding requirements, expected rates of return and the distribution of returns. A key element of our strategy is to\nde-risk the plan as the funded status of the plan increases. During 2023, we completed a strategy review including an asset/liability study and, as a\nresult, target allocations were updated with a modest increase to risk assets. The changes in the asset allocation are reflected in the table below. We\nidentify investment benchmarks to evaluate performance for the asset classes in the strategic asset allocation that are market-based and investable\nwhere possible. Actual allocations to each asset class vary from target allocations due to periodic investment strategy changes, market value\nfluctuations, the length of time it takes to fully implement investment allocation positions, and the timing of benefit payments and contributions. Short-\nterm investments and exchange-traded derivatives are used to rebalance the actual asset allocation to the target asset allocation. The asset allocation is\nmonitored and rebalanced frequently. \nThe actual and target allocations by asset class for the pension assets at December 31 were as follows:\nActual Allocations\nTarget Allocations\nAsset Class\n2023\n2022\n2023\n2022\nFixed income\n60\n \n%\n63\n \n%\n59\n \n%\n63\n \n%\nGlobal equity\n19\n \n14\n \n20\n \n20\n \nPrivate equity\n8\n \n8\n \n7\n \n4\n \nReal estate and real assets\n7\n \n8\n \n7\n \n7\n \nHedge funds\n6\n \n7\n \n7\n \n6\n \nTotal\n100\n \n%\n100\n \n%\n100\n \n%\n100\n \n%\nFixed income securities are invested primarily in a diversified portfolio of long duration instruments as well as Emerging Market, Structured, High Yield\nand Private Debt. Global equity securities are invested in a diversified portfolio of U.S. and non-U.S. companies, across various industries and market\ncapitalizations.\nPrivate equity investment vehicles are primarily limited partnerships (LPs) that mainly invest in U.S. and non-U.S. leveraged buyout, venture capital,\ngrowth and special situation strategies. Real estate and real assets include global private investments that may be held through investments in LPs or\nother fund structures. Real estate includes, but is not limited to, investments in office, retail, apartment and industrial properties. Real assets include,\nbut are not limited to, investments in natural resources (such as energy, farmland and timber), commodities and infrastructure.\nHedge fund investments seek to capitalize on inefficiencies identified across and within different asset classes or markets. Hedge fund strategy types\ninclude, but are not limited to, directional, event driven, relative value and long-short.\nInvestment managers are retained for explicit investment roles specified by contractual investment guidelines. Certain investment managers are\nauthorized to use derivatives, such as equity or bond\n90", "2d0c1ca0-4851-4f9a-b597-280a22d3b92b": "Table of Contents\nfutures, swaps, options and currency futures or forwards. Derivatives are used to achieve the desired market exposure of a security or an index, transfer\nvalue-added performance between asset classes, achieve the desired currency exposure, adjust portfolio duration or rebalance the total portfolio to the\ntarget asset allocation.\nAs a percentage of total pension assets, derivative net notional amounts were \n38.3\n% and \n37.1\n% for fixed income, including to-be-announced mortgage-\nbacked securities and treasury forwards, and \n2.1\n% and (\n5.6\n%) for global equity and commodities at December 31, 2023 and 2022.\nIn November 2020, the Company elected to contribute $\n3,000\n of our common stock to the pension fund. An independent fiduciary was retained to\nmanage and liquidate the stock over time at its discretion. At December 31, 2022, plan assets included $\n1,782\n of our common stock, which was\nliquidated during 2023.\nRisk Management\n In managing the pension assets, we review and manage risk associated with funded status risk, interest rate risk, market risk,\ncounterparty risk, liquidity risk and operational risk. Liability matching and asset class diversification are central to our risk management approach and\nare integral to the overall investment strategy. Further, asset classes are constructed to achieve diversification by investment strategy, by investment\nmanager, by industry or sector and by holding. Investment manager guidelines for publicly traded assets are specified and are monitored regularly\nthrough the custodian. Credit parameters for counterparties have been established for managers permitted to trade over-the-counter derivatives. Valuation\nis governed through several types of procedures, including reviews of manager valuation policies, custodian valuation processes, pricing vendor practices,\npricing reconciliation and periodic, security-specific valuation testing.\nFair Value Measurements\n \nThe following table presents our plan assets using the fair value hierarchy as of December 31, 2023 and 2022. The fair value\nhierarchy has three levels based on the reliability of the inputs used to determine fair value. Level 1 refers to fair values determined based on quoted\nprices in active markets for identical assets. Level 2 refers to fair values estimated using significant other observable inputs and Level 3 includes fair\nvalues estimated using significant unobservable inputs.\n91", "a9e62106-6d9e-4995-9c14-1889a869bd04": "Table of Contents\nDecember 31, 2023\nDecember 31, 2022\nTotal\nLevel 1\nLevel 2\nLevel 3\nTotal\nLevel 1\nLevel 2\nLevel 3\nFixed income securities:\nCorporate\n$\n17,809\n \n$\n17,750\n \n$\n59\n \n$\n15,095\n \n$\n15,025\n \n$\n70\n \nU.S. government and agencies\n6,822\n \n6,822\n \n7,827\n \n7,827\n \nMortgage backed and asset backed\n505\n \n344\n \n161\n \n664\n \n502\n \n162\n \nMunicipal\n816\n \n816\n \n843\n \n811\n \n32\n \nSovereign\n720\n \n720\n \n706\n \n706\n \nOther\n9\n \n$\n6\n \n3\n \n8\n \n$\n8\n \nDerivatives:\nAssets\n69\n \n69\n \n36\n \n36\n \nLiabilities\n(\n87\n)\n(\n87\n)\nCash equivalents and other short-term\ninvestments\n326\n \n326\n \n571\n \n571\n \nEquity securities:\nU.S. common and preferred stock\n3,391\n \n3,391\n \n2,931\n \n2,931\n \nNon-U.S. common and preferred stock\n2,204\n \n2,204\n \n2,023\n \n2,023\n \nBoeing company stock\n1,782\n \n1,782\n \nDerivatives:\nAssets\nLiabilities\n(\n1\n)\n(\n1\n)\nPrivate equity\nReal estate and real assets:\nReal estate\nReal assets\n385\n \n349\n \n33\n \n3\n \n362\n \n310\n \n47\n \n5\n \nDerivatives:\nAssets\n1\n \n1\n \nLiabilities\n(\n8\n)\n(\n7\n)\n(\n1\n)\nTotal\n$\n33,056\n \n$\n5,950\n \n$\n26,880\n \n$\n226\n \n$\n32,753\n \n$\n7,054\n \n$\n25,431\n \n$\n268\n \nFixed income common/collective/pooled funds\n$\n1,378\n \n$\n1,511\n \nFixed income other\n1,364\n \n832\n \nEquity common/collective/ pooled funds\n2,702\n \n2,757\n \nPrivate equity\n4,102\n \n4,239\n \nReal estate and real assets\n3,138\n \n3,525\n \nHedge funds\n2,751\n \n3,391\n \nTotal investments measured at NAV as a\npractical expedient\n$\n15,435\n \n$\n16,255\n \nCash\n$\n86\n \n$\n409\n \nReceivables\n438\n \n541\n \nPayables\n(\n124\n)\n(\n133\n)\n \n \n \nTotal\n$\n48,891\n \n$\n49,825\n \nFixed income securities are primarily valued upon a market approach, using matrix pricing and considering a security\u2019s relationship to other securities for\nwhich quoted prices in an active market may be available, or an income approach, converting future cash flows to a single present value amount.\n92", "668c0349-68b4-4336-b9c2-56808c697a9e": "Table of Contents\nInputs used in developing fair value estimates include reported trades, broker quotes, benchmark yields and base spreads.\nCommon/collective/pooled funds are typically common or collective trusts valued at their net asset values (NAVs) that are calculated by the investment\nmanager or sponsor of the fund and have daily or monthly liquidity.\nDerivatives included in the table above are over-the-counter and are primarily valued using an income approach with inputs that include benchmark yields,\nswap curves, cash flow analysis, rating agency data and interdealer broker rates. Exchange-traded derivative positions are reported in accordance with\nchanges in daily variation margin which is settled daily and therefore reflected in the payables and receivables portion of the table.\nCash equivalents and other short-term investments (which are used to pay benefits) are held in a separate account which consists of a commingled fund\n(with daily liquidity) and separately held short-term securities and cash equivalents. All of the investments in this cash vehicle are valued daily using a\nmarket approach with inputs that include quoted market prices for similar instruments. In the event a market price is not available for instruments with an\noriginal maturity of one year or less, amortized cost is used as a proxy for fair value. Common and preferred stock equity securities are primarily valued\nusing a market approach based on the quoted market prices of identical instruments.\nPrivate equity and private debt NAV valuations are based on the valuation of the underlying investments, which include inputs such as cost, operating\nresults, discounted future cash flows and market based comparable data. For those investments reported on a one-quarter lagged basis (primarily LPs)\nwe use NAVs, adjusted for subsequent cash flows and significant events.\nReal estate and real asset NAVs are based on the valuation of the underlying investments, which include inputs such as cost, discounted future cash\nflows, independent appraisals and market based comparable data. For those investments reported on a one-quarter lagged basis (primarily LPs), NAVs\nare adjusted for subsequent cash flows and significant events. Publicly traded infrastructure stocks are valued using a market approach based on quoted\nmarket prices of identical instruments. Exchange-traded commodities futures positions are reported in accordance with changes in daily variation margin\nwhich is settled daily and therefore reflected in the payables and receivables portion of the table.\nHedge fund NAVs are generally based on the valuation of the underlying investments. This is primarily done by applying a market or income valuation\nmethodology depending on the specific type of security or instrument held.\nInvestments in private equity, private debt, real estate, real assets and hedge funds are primarily calculated and reported by the General Partner, fund\nmanager or third-party administrator. Additionally, some investments in fixed income and equity are made via commingled vehicles and are valued in a\nsimilar fashion. Pension assets invested in commingled and LP structures rely on the NAV of these investments as the practical expedient for the\nvaluations.\n93", "4aec74fb-7b0a-43c7-af47-22436571450e": "Table of Contents\nThe following tables summarizes the changes of Level 3 assets, reconciled by asset class, held during the years ended December 31, 2023 and 2022.\nTransfers into and out of Level 3 are reported at the beginning-of-year values.\nJanuary 1\n2023 Balance\nNet Realized and\nUnrealized Gains/(Losses)\nNet Purchases,\nIssuances and\nSettlements\nNet Transfers\nInto/(Out of) Level 3\nDecember 31\n2023 Balance\nFixed income securities:\nCorporate\n$\n70\n \n$\n5\n \n($\n16\n)\n$\n59\n \n U.S. government and \n agencies\n \n(\n1\n)\n$\n1\n \nMortgage backed and\n asset backed\n162\n \n7\n \n10\n \n(\n18\n)\n161\n \nMunicipal\n32\n \n(\n5\n)\n(\n27\n)\nOther\n3\n \n3\n \nReal assets\n4\n \n(\n1\n)\n3\n \nTotal\n$\n268\n \n$\n14\n \n($\n12\n)\n($\n44\n)\n$\n226\n \nJanuary 1\n2022 Balance\nNet Realized and\nUnrealized Gains/(Losses)\nNet Purchases,\nIssuances and\nSettlements\nNet Transfers\nInto/(Out of) Level 3\nDecember 31\n2022 Balance\nFixed income securities:\n Corporate\n$\n53\n \n($\n19\n)\n$\n3\n \n$\n33\n \n$\n70\n \nMortgage backed and asset\nbacked\n102\n \n(\n11\n)\n16\n \n55\n \n162\n \nMunicipal\n29\n \n(\n14\n)\n9\n \n8\n \n32\n \nSovereign\n9\n \n(\n9\n)\nEquity securities:\nNon-U.S. common and preferred\nstock\n5\n \n(\n45\n)\n(\n2\n)\n42\n \nReal assets\n(\n1\n)\n5\n \n4\n \nTotal\n$\n198\n \n($\n90\n)\n$\n31\n \n$\n129\n \n$\n268\n \nFor the year ended December 31, 2023, the changes in unrealized gains/(losses) for Level 3 assets still held at December 31, 2023 were $\n2\n for\ncorporate fixed income securities, $\n6\n for mortgage backed and asset backed fixed income securities, and $\n3\n for other fixed income securities.\n \nFor the\nyear ended December 31, 2022, the changes in unrealized gains/(losses) for Level 3 assets still held at December 31, 2022 were ($\n16\n) for corporate\nfixed income securities, ($\n11\n) for mortgage backed and asset backed fixed income securities, ($\n14\n) for municipal fixed income securities, and ($\n1\n) for\nreal asset securities.\nOPB Plan Assets\n The majority of OPB plan assets are invested in a balanced index fund which is comprised of approximately \n60\n% equities and \n40\n%\ndebt securities. The index fund is valued using a market approach based on the quoted market price of an identical instrument (Level 1). The expected\nrate of return on these assets does not have a material effect on the net periodic benefit cost.\n94", "37dd7042-89b4-4684-b74a-fdc20407b05a": "Table of Contents\nCash Flows\nContributions\n Required pension contributions under the Employee Retirement Income Security Act (ERISA), as well as rules governing funding of our\nnon-US pension plans, are not expected to be significant in 2024. We do not expect to make discretionary contributions to our pension plans in 2024.\nEstimated Future Benefit Payments\n \nThe table below reflects the total pension benefits expected to be paid from the plans or from our assets,\nincluding both our share of the benefit cost and the participants\u2019 share of the cost, which is funded by participant contributions. OPB payments reflect\nour portion only.\nYear(s)\n2024\n2025\n2026\n2027\n2028\n2029-2033\nPensions\n$\n4,524\n \n$\n4,425\n \n$\n4,345\n \n$\n4,241\n \n$\n4,143\n \n$\n19,106\n \nOther postretirement benefits:\nGross benefits paid\n358\n \n341\n \n319\n \n295\n \n269\n \n1,004\n \nSubsidies\n(\n12\n)\n(\n13\n)\n(\n13\n)\n(\n13\n)\n(\n13\n)\n(\n61\n)\nNet other postretirement benefits\n$\n346\n \n$\n328\n \n$\n306\n \n$\n282\n \n$\n256\n \n$\n943\n \nTermination Provisions\nCertain of the pension plans provide that, in the event there is a change in control of the Company which is not approved by the Board of Directors and\nthe plans are terminated within five years thereafter, the assets in the plan first will be used to provide the level of retirement benefits required by ERISA,\nand then any surplus will be used to fund a trust to continue present and future payments under the postretirement medical and life insurance benefits in\nour group insurance benefit programs.\nShould we terminate certain pension plans under conditions in which the plan\u2019s assets exceed that plan\u2019s obligations, the U.S. government will be\nentitled to a fair allocation of any of the plan\u2019s assets based on plan contributions that were reimbursed under U.S. government contracts.\nDefined Contribution Plans\nWe provide certain defined contribution plans to all eligible employees. The principal plans are the Company-sponsored 401(k) plans. The expense for\nthese defined contribution plans was $\n1,564\n, $\n1,260\n and $\n1,268\n in 2023, 2022 and 2021, respectively.\nNote 17 \u2013 \nShare-Based Compensation and Other Compensation Arrangements\nShare-Based Compensation\nOur 2023 Incentive Stock Plan, permits awards of incentive and non-qualified stock options, stock appreciation rights, restricted stock or units,\nperformance restricted stock or units, and other stock and cash-based awards to our employees, officers, directors, consultants, and independent\ncontractors. The aggregate number of shares of our stock authorized for issuance under the plan is \n12,900,000\n, plus shares that remain available,\nundelivered, or retained under our 2003 Incentive Stock Plan, as amended and restated. Following approval of our 2023 Incentive Stock Plan in 2023, no\nfurther awards have been or may be granted under our 2003 Incentive Stock Plan.\nShares issued as a result of stock option exercises or conversion of stock unit awards will be funded out of treasury shares, except to the extent there\nare insufficient treasury shares, in which case new shares will be issued. We believe we currently have adequate treasury shares to satisfy these\nissuances during 2024.\n95", "8937da42-039e-474b-bfd9-4f8ee2139e8c": "Table of Contents\nShare-based plans expense is primarily included in Total costs and expenses and General and administrative expense, as well as a portion allocated to\nproduction as inventoried costs. \nThe share-based plans expense and related income tax benefit were as follows:\nYears ended December 31,\n2023\n2022\n2021\nRestricted stock units and other awards\n$\n697\n \n$\n726\n \n$\n840\n \nIncome tax benefit (before consideration of valuation allowance)\n$\n157\n$\n178\n \n$\n148\n \nStock Options\nOptions have been granted to our executive officers that are scheduled to vest and become exercisable \nthree years\n after the grant date and expire \nten\nyears\n after the grant date. If an executive terminates employment because of retirement, layoff, disability, or death, the executive (or beneficiary) may\nreceive some or all of their stock options depending on certain age and service conditions. The fair values of the stock options granted were estimated\nusing a Monte-Carlo simulation model using the assumptions presented below. The model includes no expected dividend yield.\nStock options granted during 2023 were not material.\nOn February 16, 2022, we granted \n348,769\n premium-priced stock options to our executive officers as part of our long-term incentive program. These\nstock options have an exercise price equal to \n120\n% of the fair market value of our stock on the date of grant. If certain performance measures are met,\nthe exercise price is reduced to \n110\n% of the grant date fair market value of our stock.\nOn February 17, 2021, we granted \n342,986\n premium-priced stock options to our executive officers as part of our long-term incentive program. These\nstock options have an exercise price equal to \n120\n% of the fair market value of our stock on the date of grant. During 2021, we also granted \n148,322\nstock options to certain executives, of which \n40,322\n had an exercise price equal to \n120\n% of the fair market value of our stock on the date of grant, and\nthe remaining \n108,000\n had an exercise price equal to the fair market value of our stock on the date of grant. The grant date fair market values of these\nawards were not significant.\nGrant Year\nGrant Date\nExpected Life\nExpected Volatility\nRisk Free Interest Rate\nGrant Date Fair Value Per\nOption\n2022\n2/16/2022\n6.8\n years\n36.6\n \n%\n2.0\n \n%\n$\n83.04\n \n2021\n2/17/2021\n6.6\n years\n37.8\n \n%\n1.3\n \n%\n$\n74.63\n \nOptions granted through January 2014 had an exercise price equal to the fair market value of our stock on the date of grant and expire \n10\n years after the\ndate of grant. These stock options vested over a period of \nthree\n years\n and were fully vested as of December 31, 2017.\n96", "ead76aa0-6bd0-4bbf-b332-47ba0eebedc6": "Table of Contents\nStock option activity for the year ended December 31, 2023 was as follows:\nShares\nWeighted Average\nExercise Price Per Option\nWeighted Average\nRemaining Contractual Life\n(Years)\nAggregate Intrinsic\nValue\nNumber of shares under option:\nOutstanding at beginning of year\n1,390,769\n$\n178.18\n \nGranted\n30,000\n210.68\n \nExercised\n(\n597,030\n)\n77.06\n \nForfeited\n(\n31,077\n)\n260.26\n \nOutstanding at end of year\n792,662\n$\n252.35\n \n7.7\n$\n7\n \nExercisable at end of year\n7,953\n$\n197.07\n \n3.1\n$\n1\n \nThe total intrinsic value of options exercised during the years ended December 31, 2023, 2022 and 2021 was $\n80\n, $\n75\n and $\n84\n, with a related tax benefit\nof $\n18\n, $\n17\n and $\n19\n, respectively. At December 31, 2023, there was $\n11\n of total unrecognized compensation cost related to options which is expected\nto be recognized over a weighted average period of \n1.2\n years.\nRestricted Stock Units\nIn February 2023, 2022 and 2021, we granted to our executives \n327,523\n, \n1,804,541\n and \n980,077\n restricted stock units (RSUs) as part of our long-term\nincentive program with grant date fair values of $\n214.35\n, $\n217.48\n and $\n215.70\n per unit, respectively. On July 29, 2022, we also granted \n2,568,112\n RSUs\nwith a grant date fair value of $\n157.69\n per unit as part of our long-term incentive program, accelerating awards planned for 2023 to retain executives. The\nRSUs granted under this program will generally vest and settle in common stock (on a one-for-one basis) on the third anniversary of the grant date. If an\nexecutive terminates employment because of retirement, layoff, disability, or death, the executive (or beneficiary) may receive some or all of their stock\nunits depending on certain age and service conditions. In all other cases, the RSUs will not vest and all rights to the stock units will terminate. These\nRSUs are labeled executive long-term incentive program in the table below.\nIn addition to RSUs awarded under our long-term incentive programs, we granted RSUs to certain executives and employees. These RSUs are labeled\nother RSUs in the table below.\nThe fair values of all RSUs are estimated using the average of the high and low stock prices on the date of grant.\n97", "8fae58e6-3402-40ba-9a0f-b64a166dd0dd": "Table of Contents\nRSU activity for the year ended December 31, 2023 was as follows:\nExecutive Long-Term\nIncentive Program\nEmployee Long-Term\nIncentive Program\nOther\nNumber of units:\nOutstanding at beginning of year\n6,117,900\n \n4,373,807\n \n958,694\n \nGranted\n411,134\n \n142,711\n \nForfeited\n(\n229,226\n)\n(\n106,087\n)\n(\n32,253\n)\nDistributed\n(\n950,318\n)\n(\n4,242,199\n)\n(\n303,642\n)\nOutstanding at end of year\n5,349,490\n \n25,521\n \n765,510\n \nUndistributed vested units\n1,630,233\n \n25,407\n \n34,600\n \nUnrecognized compensation cost\n$\n366\n \n$\n55\nWeighted average remaining amortization period \n(years)\n1.5\n \n1.6\nPerformance Restricted Stock Units\nOn February 16, 2023, we granted \n199,899\n performance restricted stock units (PRSU) to our executive officers as part of our long-term incentive program\nthat will result in that number of PRSUs being paid out if the target performance metric is achieved. The PRSUs granted under this program have a grant\ndate fair value of $\n214.35\n per unit. The award payout can range from \n0\n% to \n200\n% of the initial PRSU grant based on cumulative free cash flow\nachievement over the period January 1, 2023 through December 31, 2025 as compared to the target set at the start of the performance period. The\nPRSUs granted under this program will vest at the payout amount determined on the third anniversary of the grant date and settle in common stock (on a\none-for-one basis). If an executive terminates employment because of retirement, layoff, disability, or death, the executive (or beneficiary) remains\neligible under the award and, if the award is earned, may receive some or all of their stock units depending on certain age and service conditions. In all\nother cases, the PRSUs will not vest and all rights to the stock units will terminate. During the year ended December 31, 2023, there were no forfeitures\nor distributions. At December 31, 2023, unrecognized compensation cost was $\n31\n, and the weighted average remaining amortization period was \n2.1\nyears.\nPerformance-Based Restricted Stock Units\nPerformance-Based Restricted Stock Units (PBRSUs) are stock units that pay out based on the Company\u2019s total shareholder return (TSR) as compared\nto a group of peer companies over a \nthree-year\n period. The award payout can range from \n0\n% to \n200\n% of the initial PBRSU grant. During 2023, these\nperformance awards expired with a payout of \n0\n%.\nEmployee Stock Purchase Plan\nThe Company has an employee stock purchase plan which permits eligible employees to purchase Boeing stock at \n95\n% of the fair market value on the\nlast trading day of each \nthree-month\n period using payroll deduction. The aggregate number of shares of our stock authorized for issuance under the plan\nis \n12,000,000\n. During the year ended December 31, 2023, approximately \n216,719\n shares were purchased at an average price of $\n193.52\n per share.\nDeferred Compensation\nThe Company has deferred compensation plans which permit certain employees and executives to defer a portion of their salary, bonus, certain other\nincentive awards and retirement contributions.\n98", "7df5fa7b-f614-41d5-8d31-14f2c4332d7a": "Table of Contents\nParticipants can diversify these amounts among \n23\n investment funds including a Boeing stock unit account.\nTotal expense/(income) related to deferred compensation was $\n188\n, ($\n117\n) and $\n126\n in 2023, 2022 and 2021, respectively. As of December 31, 2023\nand 2022, the deferred compensation liability which is being marked to market was $\n1,640\n and $\n1,499\n.\nNote 18 \u2013 \nShareholders\u2019 Equity\nAs of December 31, 2023 and 2022, there were \n1,200,000,000\n shares of common stock and \n20,000,000\n shares of preferred stock authorized. \nNo\npreferred stock has been issued.\nChanges in Share Balances\nThe following table shows changes in each class of shares:\nCommon\nStock\nTreasury\nStock\nBalance at January 1, 2021\n1,012,261,159\n \n429,941,021\n \nIssued\n(\n6,904,556\n)\nAcquired\n307,242\n \nBalance at December 31, 2021\n1,012,261,159\n \n423,343,707\n \nIssued\n(\n8,877,047\n)\nAcquired\n204,723\n \nBalance at December 31, 2022\n1,012,261,159\n \n414,671,383\n \nIssued\n(\n13,651,201\n)\nAcquired\n1,725,954\n \nBalance at December 31, 2023\n1,012,261,159\n \n402,746,136\n \nAdditional Paid-in Capital\nDuring the year ended December 31, 2023, Additional paid-in capital included a decrease of $\n267\n related to a non-cash transaction to purchase shares\nin a consolidated subsidiary from the noncontrolling interests.\n99", "f2e22658-e06d-4647-a8ee-c97cf427c22f": "Table of Contents\nAccumulated Other Comprehensive Loss\nChanges in AOCI by component for the years ended December 31, 2023, 2022 and 2021 were as follows:\nCurrency\nTranslation\nAdjustments\nUnrealized Gains\nand Losses on\nCertain Investments\nUnrealized Gains\nand Losses on\nDerivative\nInstruments\nDefined Benefit Pension\nPlans & Other\nPostretirement Benefits\nTotal \nBalance at January 1, 2021\n($\n30\n)\n$\n1\n \n($\n43\n)\n($\n17,061\n)\n($\n17,133\n)\nOther comprehensive (loss)/income before\nreclassifications\n(\n75\n)\n55\n \n4,268\n \n4,248\n \nAmounts reclassified from AOCI\n(\n6\n)\n1,232\n \n1,226\n \nNet current period Other comprehensive (loss)/income\n(\n75\n)\n49\n \n5,500\n \n5,474\n \nBalance at December 31, 2021\n($\n105\n)\n$\n1\n \n$\n6\n \n($\n11,561\n)\n($\n11,659\n)\nOther comprehensive (loss)/income before\nreclassifications\n(\n62\n)\n(\n1\n)\n(\n40\n)\n1,529\n \n1,426\n \nAmounts reclassified from AOCI\n10\n \n673\n \n683\n \nNet current period Other comprehensive (loss)/income\n(\n62\n)\n(\n1\n)\n(\n30\n)\n2,202\n \n2,109\n \nBalance at December 31, 2022\n($\n167\n)\n \n($\n24\n)\n($\n9,359\n)\n($\n9,550\n)\nOther comprehensive income/(loss) before\nreclassifications\n33\n \n2\n \n41\n \n(\n722\n)\n(\n646\n)\nAmounts reclassified from AOCI\n(\n5\n)\n(\n104\n)\n(\n109\n)\nNet current period Other comprehensive income/(loss)\n33\n \n2\n \n36\n \n(\n826\n)\n(\n755\n)\nBalance at December 31, 2023\n($\n134\n)\n$\n2\n \n$\n12\n \n($\n10,185\n)\n($\n10,305\n)\nNet of tax.\nPrimarily related to remeasurement of assets and benefit obligations related to the Company's pension and other postretirement benefit plans\nresulting in an actuarial (loss)/gain of ($\n722\n), $\n1,533\n and $\n4,262\n (net of tax of $\n13\n, ($\n22\n) and ($\n32\n)) for the years ended December 31, 2023, 2022\nand 2021. See Note 16.\nAmounts reclassified from AOCI for the year ended December 31, 2023, primarily related to amortization of prior service credits totaling ($\n102\n) (net\nof tax of $\n1\n). Amounts reclassified from AOCI for the years ended December 31, 2022 and 2021, primarily related to amortization of actuarial\nlosses totaling $\n791\n and $\n1,155\n (net of tax of ($\n11\n) and ($\n8\n)). These are included in net periodic pension cost. See Note 16.\nIncluded losses of $\n39\n (net of tax of ($\n11\n)) from cash flow hedges reclassified to Other income, net because the forecasted transactions are not\nprobable of occurring.\nNote 19 \u2013 \nDerivative Financial Instruments\nCash Flow Hedges\nOur cash flow hedges include foreign currency forward contracts, commodity swaps and commodity purchase contracts. We use foreign currency\nforward contracts to manage currency risk associated with certain expected sales and purchased through 2031. We use commodity derivatives, such as\nfixed-price purchase commitments and swaps to hedge against potentially unfavorable price changes for commodities used in production. Our\ncommodity contracts hedge forecasted transactions through 2028.\n(1)\n(2)\n(3)\n(2)\n(4)\n(3)\n(2)\n(3)\n(1) \n(2) \n(3) \n(4) \n100", "e055e97c-3ac9-4c4a-b421-cbc62a355ae0": "Table of Contents\nDerivative Instruments Not Receiving Hedge Accounting Treatment\nWe have entered into agreements to purchase and sell aluminum to address long-term strategic sourcing objectives and non-U.S. business\nrequirements. These agreements are derivative instruments for accounting purposes. The quantities of aluminum in these agreements offset and are\npriced at prevailing market prices. We also hold certain foreign currency forward contracts and commodity swaps which do not qualify for hedge\naccounting treatment.\nNotional Amounts and Fair Values\nThe notional amounts and fair values of derivative instruments in the Consolidated Statements of Financial Position as of December 31 were as follows:\nNotional\n amounts\nOther assets\nAccrued\nliabilities\n2023\n2022\n2023\n2022\n2023\n2022\nDerivatives designated as hedging instruments:\nForeign exchange contracts\n$\n4,120\n \n$\n2,815\n \n$\n85\n \n$\n23\n \n($\n63\n)\n($\n122\n)\nCommodity contracts\n514\n \n602\n \n83\n \n115\n \n(\n8\n)\n(\n9\n)\nDerivatives not receiving hedge accounting treatment:\nForeign exchange contracts\n254\n \n462\n \n1\n \n5\n \n(\n32\n)\n(\n42\n)\nCommodity contracts\n115\n \n412\n \n2\n \n(\n2\n)\n(\n1\n)\nTotal derivatives\n$\n5,003\n \n$\n4,291\n \n169\n \n145\n \n(\n105\n)\n(\n174\n)\nNetting arrangements\n(\n47\n)\n(\n33\n)\n47\n \n33\n \nNet recorded balance\n$\n122\n \n$\n112\n \n($\n58\n)\n($\n141\n)\nNotional amounts represent the gross contract/notional amount of the derivatives outstanding.\nGains/(losses) associated with our hedging transactions and forward points recognized in Other comprehensive income are presented in the following\ntable:\nYears ended December 31,\n2023\n2022\n2021\nRecognized in Other comprehensive income, net of taxes:\nForeign exchange contracts\n$\n61\n \n($\n118\n)\n($\n47\n)\nCommodity contracts\n(\n20\n)\n78\n \n102\n \nGains/(losses) associated with our hedging transactions and forward points reclassified from AOCI to earnings are presented in the following table:\nYears ended December 31,\n2023\n2022\n2021\nForeign exchange contracts\nRevenues\n$\n1\n \nCosts and expenses\n($\n15\n)\n7\n \n$\n13\n \nGeneral and administrative\n(\n17\n)\n(\n12\n)\n8\n \nCommodity contracts\nCosts and expenses\n$\n31\n \n$\n31\n \n($\n18\n)\nGeneral and administrative expense\n7\n \n10\n \n5\n \n(1)\n(1)\n101", "a14c0eb8-b204-49c5-bf9c-cee4ee31780d": "Table of Contents\nDuring the twelve months ended December 31, 2022, we reclassified losses associated with certain cash flow hedges of $\n50\n from AOCI to Other\nincome, net because it became probable the forecasted transactions would not occur. Gains/(losses) related to undesignated derivatives on foreign\nexchange and commodity cash flow hedging transactions recognized in Other income, net were insignificant for the years ended December 31, 2023,\n2022 and 2021.\nBased on our portfolio of cash flow hedges, we expect to reclassify losses of $\n39\n (pre-tax) out of AOCI into earnings during the next 12 months.\nWe have derivative instruments with credit-risk-related contingent features. If we default on our \nfive-year\n credit facility, our derivative counterparties could\nrequire settlement for foreign exchange and certain commodity contracts with original maturities of at least \nfive years\n. The fair value of those contracts in\na net liability position at December 31, 2023 was $\n16\n. For other particular commodity contracts, our counterparties could require collateral posted in an\namount determined by our credit ratings. At December 31, 2023, there was no collateral posted related to our derivatives.\nNote 20 \u2013 \nFair Value Measurements\nThe fair value hierarchy has three levels based on the reliability of the inputs used to determine fair value. Level 1 refers to fair values determined based\non quoted prices in active markets for identical assets. Level 2 refers to fair values estimated using significant other observable inputs, and Level 3\nincludes fair values estimated using significant unobservable inputs. \nThe following table presents our assets and liabilities that are measured at fair value\non a recurring basis and are categorized using the fair value hierarchy.\nDecember 31, 2023\nDecember 31, 2022\nTotal\nLevel 1\nLevel 2\nTotal\nLevel 1\nLevel 2\nAssets\nMoney market funds\n$\n1,514\n \n$\n1,514\n \n$\n1,797\n \n$\n1,797\n \nAvailable-for-sale debt investments:\nCommercial paper\n291\n \n$\n291\n \n256\n \n$\n256\n \nCorporate notes\n183\n \n183\n \n195\n \n195\n \nU.S. government agencies\n25\n \n25\n \n47\n \n47\n \nOther equity investments\n44\n \n44\n \n10\n \n10\n \nDerivatives\n122\n \n122\n \n112\n \n112\n \nTotal assets\n$\n2,179\n \n$\n1,558\n \n$\n621\n \n$\n2,417\n \n$\n1,807\n \n$\n610\n \nLiabilities\nDerivatives\n($\n58\n)\n($\n58\n)\n($\n141\n)\n($\n141\n)\nTotal liabilities\n($\n58\n)\n($\n58\n)\n($\n141\n)\n($\n141\n)\nMoney market funds, available-for-sale debt investments and equity securities are valued using a market approach based on the quoted market prices or\nbroker/dealer quotes of identical or comparable instruments.\nDerivatives include foreign currency and commodity contracts. Our foreign currency forward contracts are valued using an income approach based on the\npresent value of the forward rate less the contract rate multiplied by the notional amount. Commodity derivatives are valued using an income approach\nbased on the present value of the commodity index prices less the contract rate multiplied by the notional amount.\n102", "d2345348-246d-4158-9828-a8b86a7f396a": "Table of Contents\nCertain assets have been measured at fair value on a nonrecurring basis, using significant unobservable inputs (Level 3). \nThe following table presents the\nnonrecurring losses recognized for the years ended December 31 due to long-lived asset impairment, and the fair value and asset classification of the\nrelated assets as of the impairment date:\n2023\n2022\nFair Value\nTotal Losses\nFair Value\nTotal Losses\nInvestments\n \n($\n18\n)\n \n($\n31\n)\nOperating lease equipment\n \n$\n47\n \n(\n7\n)\nProperty, plant and equipment\n$\n14\n \n(\n26\n)\n \n(\n19\n)\nOther Assets\n \n(\n2\n)\n15\n \n(\n55\n)\nTotal\n$\n14\n \n($\n46\n)\n$\n62\n \n($\n112\n)\nInvestments, Property, plant and equipment, and Other assets were primarily valued using an income approach based on the discounted cash flows\nassociated with the underlying assets. The fair value of the impaired operating lease equipment is derived by calculating a median collateral value from a\nconsistent group of third party aircraft value publications. The values provided by the third party aircraft publications are derived from their knowledge of\nmarket trades and other market factors. Management reviews the publications quarterly to assess the continued appropriateness and consistency with\nmarket trends. Under certain circumstances, we adjust values based on the attributes and condition of the specific aircraft or equipment, usually when\nthe features or use of the aircraft vary significantly from the more generic aircraft attributes covered by third party publications, or on the expected net\nsales price for the aircraft.\nFair Value Disclosures\nThe fair values and related carrying values of financial instruments that are not required to be remeasured at fair value on the Consolidated Statements of\nFinancial Position at December 31 were as follows:\nDecember 31, 2023\nCarrying\nAmount\nTotal Fair Value\nLevel 1\nLevel 2\nLevel 3\nAssets\nNotes receivable, net\n$\n257\n \n$\n270\n \n$\n270\n \nLiabilities\nDebt, excluding finance lease obligations\n(\n52,055\n)\n(\n51,039\n)\n(\n51,039\n)\nDecember 31, 2022\nCarrying\nAmount\nTotal Fair Value\nLevel 1\nLevel 2\nLevel 3\nAssets\nNotes receivable, net\n$\n385\n \n$\n403\n \n$\n403\n \nLiabilities\nDebt, excluding finance lease obligations\n(\n56,794\n)\n(\n52,856\n)\n(\n52,856\n)\n103", "0acf3228-28c4-4d73-b2c0-d8400a2523db": "Table of Contents\nThe fair values of notes receivable are estimated with discounted cash flow analysis using interest rates currently offered on loans with similar terms to\nborrowers of similar credit quality. The fair value of our debt that is traded in the secondary market is classified as Level 2 and is based on current market\nyields. For our debt that is not traded in the secondary market, the fair value is classified as Level 2 and is based on our indicative borrowing cost derived\nfrom dealer quotes or discounted cash flows. With regard to other financial instruments with off-balance sheet risk, it is not practicable to estimate the\nfair value of our indemnifications and financing commitments because the amount and timing of those arrangements are uncertain. Items not included in\nthe above disclosures include cash, restricted cash, time deposits and other deposits, commercial paper, money market funds, Accounts receivable,\nUnbilled receivables, Other current assets, Accounts payable and long-term payables. The carrying values of those items, as reflected in the\nConsolidated Statements of Financial Position, approximate their fair value at December 31, 2023 and 2022. The fair value of assets and liabilities whose\ncarrying value approximates fair value is determined using Level 2 inputs, with the exception of cash (Level 1).\nNote 21 \u2013 \nLegal Proceedings\nVarious legal proceedings, claims and investigations related to products, contracts, employment and other matters are pending against us. In addition,\nwe are subject to various government inquiries and investigations from which civil, criminal or administrative proceedings could result or have resulted in\nthe past. Such proceedings involve or could involve claims by the government for fines, penalties, compensatory and treble damages, restitution and/or\nforfeitures. Under U.S. government regulations, a company, or one or more of its operating divisions or subdivisions, can also be suspended or debarred\nfrom government contracts, or lose its export privileges, based on the results of investigations. We believe, based upon current information, that the\noutcome of any currently pending legal proceeding, claim, or government dispute, inquiry or investigation will not have a material effect on our financial\nposition, results of operations or cash flows. With respect to the matters set forth below, we cannot reasonably estimate a range of loss in excess of\nrecorded amounts, if any.\nMultiple legal actions and inquiries were initiated as a result of the October 29, 2018 accident of Lion Air Flight 610 and the March 10, 2019 accident of\nEthiopian Airlines Flight 302. On January 7, 2021, we entered into a Deferred Prosecution Agreement (DPA) with the U.S. Department of Justice that\nresolved the Department of Justice\u2019s investigation into us regarding the evaluation of the 737 MAX by the Federal Aviation Administration (FAA). Among\nother obligations, the DPA includes a three-year reporting period, which ended earlier this month. The Department is currently considering whether we\nfulfilled our obligations under the DPA and whether to move to dismiss the information, which motion will require court approval.\nDuring 2019, we entered into agreements with Embraer S.A. (Embraer) to establish joint ventures that included the commercial aircraft and services\noperations of Embraer, of which we were expected to acquire an \n80\n percent ownership stake for $\n4,200\n, as well as a joint venture to promote and\ndevelop new markets for the C-390 Millennium. In 2020, we exercised our contractual right to terminate these agreements based on Embraer\u2019s failure to\nmeet certain required closing conditions. Embraer has disputed our right to terminate the agreements, and the dispute is currently in arbitration, which\nwe currently expect to be resolved in 2024.\nNote 22 \u2013 \nSegment and Revenue Information\nSegment results reflect the realignment of the Boeing Customer Financing team and portfolio into the BCA segment during the first quarter of 2023.\nInterest and debt expense now includes interest and debt expense previously attributable to Boeing Capital and classified as a component of Total Costs\nand Expenses (\"Cost of Sales\"). Prior period amounts have been reclassified to conform to current period presentation.\n104", "d1942d6b-635e-44ef-bbde-ad8dc732b8fa": "Table of Contents\nOur primary profitability measurement to review segment operating results is\n \nLoss from operations. We operate in \nthree\n reportable segments: BCA,\nBDS, and BGS. All other activities fall within Unallocated items, eliminations and other. See page 56 for the Summary of Business Segment Data, which\nis an integral part of this note.\nBCA develops, produces and markets commercial jet aircraft principally to the commercial airline industry worldwide. Revenue on commercial aircraft\ncontracts is recognized at the point in time when an aircraft is completed and accepted by the customer.\nBDS engages in the research, development, production and modification of the following products and related services: manned and unmanned military\naircraft and weapons systems, surveillance and engagement, strategic defense and intelligence systems, satellite systems and space exploration. BDS\nrevenue is generally recognized over the contract term (over time) as costs are incurred.\nBGS provides parts, maintenance, modifications, logistics support, training, data analytics and information-based services to commercial and\ngovernment customers worldwide. BGS segment revenue and costs include certain products and services provided to other segments. Revenue on\ncommercial spare parts contracts is recognized at the point in time when a spare part is delivered to the customer. Revenue on other contracts is\ngenerally recognized over the contract term (over time) as costs are incurred.\nWhile our principal operations are in the United States, Canada and Australia, some key suppliers and subcontractors are located in Europe and Japan.\nRevenues, including foreign military sales, are reported by customer location and consisted of the following:\nYears ended December 31,\n2023\n2022\n2021\nEurope\n$\n10,520\n \n$\n7,916\n \n$\n8,967\n \nAsia\n10,013\n \n8,393\n \n5,845\n \nMiddle East\n6,594\n \n5,047\n \n4,653\n \nOceania\n1,655\n \n1,576\n \n1,147\n \nCanada\n1,256\n \n1,612\n \n969\n \nAfrica\n825\n \n418\n \n239\n \nLatin America, Caribbean and other\n1,524\n \n2,412\n \n1,376\n \nTotal non-U.S. revenues\n32,387\n \n27,374\n \n23,196\n \nUnited States\n45,380\n \n39,218\n \n39,076\n \nEstimated potential concessions and other considerations to 737 MAX customers\n27\n \n16\n \n14\n \nTotal revenues\n$\n77,794\n \n$\n66,608\n \n$\n62,286\n \nRevenues from the U.S. government (including foreign military sales through the U.S. government), primarily recorded at BDS and BGS, represented\n37\n%, \n40\n% and \n49\n% of consolidated revenues for 2023, 2022 and 2021, respectively. Approximately \n4\n% of operating assets were located outside the\nUnited States as of December 31, 2023 and 2022.\nThe following tables present BCA, BDS and BGS revenues from contracts with customers disaggregated in a number of ways, such as geographic\nlocation, contract type and the method of revenue recognition. We believe these best depict how the nature, amount, timing and uncertainty of our\nrevenues and cash flows are affected by economic factors.\n105", "2e44acd2-616a-442b-9cd1-b5a499ba4a2b": "Table of Contents\nBCA revenues by customer location consisted of the following:\nYears ended December 31,\n2023\n2022\n2021\nRevenue from contracts with customers:\nAsia\n$\n6,328\n \n$\n4,488\n \n$\n2,816\n \nEurope\n6,172\n \n4,085\n \n4,387\n \nMiddle East\n4,311\n \n2,003\n \n1,098\n \nOther non-U.S.\n2,431\n \n3,042\n \n1,683\n \nTotal non-U.S. revenues\n19,242\n \n13,618\n \n9,984\n \nUnited States\n14,501\n \n12,275\n \n9,614\n \nEstimated potential concessions and other considerations to 737 MAX customers\n27\n \n16\n \n14\n \nTotal revenues from contracts with customers\n33,770\n \n25,909\n \n19,612\n \nIntersegment revenues, eliminated on consolidation\n131\n \n117\n \n102\n \nTotal segment revenues\n$\n33,901\n \n$\n26,026\n \n$\n19,714\n \nRevenue recognized on fixed-price contracts\n100\n \n%\n100\n \n%\n100\n \n%\nRevenue recognized at a point in time\n99\n \n%\n99\n \n%\n99\n \n%\nBDS revenues on contracts with customers, based on the customer's location, consisted of the following:\nYears ended December 31,\n2023\n2022\n2021\nRevenue from contracts with customers:\nU.S. customers\n$\n20,051\n \n$\n17,144\n \n$\n19,869\n \nNon-U.S. customers\n4,882\n \n6,018\n \n6,671\n \nTotal segment revenue from contracts with customers\n$\n24,933\n \n$\n23,162\n \n$\n26,540\n \nRevenue recognized over time\n99\n \n%\n99\n \n%\n99\n \n%\nRevenue recognized on fixed-price contracts\n58\n \n%\n60\n \n%\n68\n \n%\nRevenue from the U.S. government\n91\n \n%\n89\n \n%\n89\n \n%\nIncludes revenues earned from foreign military sales through the U.S. government.\n(1)\n(1)\n(1)\n106", "c03616b2-0c6d-470c-b59f-0365db9fa6bd": "Table of Contents\nBGS revenues consisted of the following:\nYears ended December 31,\n2023\n2022\n2021\nRevenue from contracts with customers:\nCommercial\n$\n11,020\n \n$\n9,560\n \n$\n7,527\n \nGovernment\n7,751\n \n7,681\n \n8,553\n \nTotal revenues from contracts with customers\n18,771\n \n17,241\n \n16,080\n \nIntersegment revenues eliminated on consolidation\n356\n \n370\n \n248\n \nTotal segment revenues\n$\n19,127\n \n$\n17,611\n \n$\n16,328\n \nRevenue recognized at a point in time\n51\n \n%\n50\n \n%\n45\n \n%\nRevenue recognized on fixed-price contracts\n87\n \n%\n88\n \n%\n86\n \n%\nRevenue from the U.S. government\n30\n \n%\n33\n \n%\n40\n \n%\nIncludes revenues earned from foreign military sales through the U.S. government.\nEarnings in Equity Method Investments\nDuring the years ended December 31, 2023, 2022, and 2021, our share of income from equity method investments was $\n70\n, $\n56\n, and $\n40\n, respectively.\nIn 2023 and 2021, earnings in equity method investments were primarily driven by investments held at our BDS segment. In 2022, earnings in equity\nmethod investments were primarily driven by investments held in Unallocated items, eliminations and other.\nBacklog\nOur total backlog includes contracts that we and our customers are committed to perform. The value in backlog represents the estimated transaction\nprices on performance obligations to our customers for which work remains to be performed. Backlog is converted into revenue, primarily based on the\ncost incurred or at delivery and acceptance of products, depending on the applicable revenue recognition model.\nOur backlog at December 31, 2023 was $\n520,195\n. We expect approximately \n16\n% to be converted to revenue through 2024 and approximately \n62\n%\nthrough 2027, with the remainder thereafter. There is significant uncertainty regarding the timing of when backlog will convert into revenue due to timing of\n737 and 787 deliveries from inventory and timing of entry into service of the 777X, 737-7 and/or 737-10.\n(1)\n(1)\n107", "d45b8e85-b5fa-4385-b536-5059ed90b038": "Table of Contents\nUnallocated Items, Eliminations and other\nUnallocated items, eliminations and other include common internal services that support Boeing\u2019s global business operations and eliminations of certain\nsales between segments. We generally allocate costs to business segments based on the U.S. Government Cost Accounting Standards (CAS).\nComponents of Unallocated items, eliminations and other (expense)/income are shown in the following table.\nYears ended December 31,\n2023\n2022\n2021\nShare-based plans\n$\n62\n \n($\n114\n)\n($\n174\n)\nDeferred compensation\n(\n188\n)\n117\n \n(\n126\n)\nAmortization of previously capitalized interest\n(\n95\n)\n(\n95\n)\n(\n107\n)\nResearch and development expense, net\n(\n315\n)\n(\n278\n)\n(\n184\n)\nEliminations and other unallocated items\n(\n1,223\n)\n(\n1,134\n)\n(\n636\n)\nUnallocated items, eliminations and other\n($\n1,759\n)\n($\n1,504\n)\n($\n1,227\n)\nPension and Other Postretirement Benefit Expense\nPension costs are allocated to BDS and BGS businesses supporting government customers using CAS, which employ different actuarial assumptions\nand accounting conventions than GAAP. These costs are allocable to government contracts. Other postretirement benefit costs are allocated to\nbusiness segments based on CAS, which is generally based on benefits paid. FAS/CAS service cost adjustment represents the difference between the\nFinancial Accounting Standards (FAS) pension and postretirement service costs calculated under GAAP and costs allocated to the business segments.\nNon-operating pension and postretirement expenses represent the components of net periodic benefit costs other than service cost. \nThese expenses are\nincluded in Other income, net. Components of FAS/CAS service cost adjustment are shown in the following table:\nYears ended December 31,\n2023\n2022\n2021\nPension FAS/CAS service cost adjustment\n$\n799\n \n$\n849\n \n$\n882\n \nPostretirement FAS/CAS service cost adjustment\n257\n \n294\n \n291\n \nFAS/CAS service cost adjustment\n$\n1,056\n \n$\n1,143\n \n$\n1,173\n \n108", "45b38adc-e6dc-416f-aedf-3e04bc2d7283": "Table of Contents\nAssets\nSegment assets are summarized in the table below.\nDecember 31,\n2023\n2022\nCommercial Airplanes\n$\n77,047\n \n$\n76,825\n \nDefense, Space & Security\n14,921\n \n14,426\n \nGlobal Services\n16,193\n \n16,149\n \nUnallocated items, eliminations and other\n28,851\n \n29,700\n \nTotal\n$\n137,012\n \n$\n137,100\n \nAssets included in Unallocated items, eliminations and other primarily consist of Cash and cash equivalents, Short-term and other investments, tax\nassets, capitalized interest and assets managed centrally on behalf of the \nthree\n principal business segments and intercompany eliminations.\nCapital Expenditures\nYears ended December 31,\n2023\n2022\n2021\nCommercial Airplanes\n$\n420\n \n$\n218\n \n$\n177\n \nDefense, Space & Security\n192\n \n202\n \n199\n \nGlobal Services\n127\n \n130\n \n94\n \nUnallocated items, eliminations and other\n788\n \n672\n \n510\n \nTotal\n$\n1,527\n \n$\n1,222\n \n$\n980\n \nCapital expenditures for Unallocated items, eliminations and other relate primarily to assets managed centrally on behalf of the \nthree\n principal business\nsegments.\nDepreciation and Amortization\nYears ended December 31,\n2023\n2022\n2021\nCommercial Airplanes\n$\n464\n \n$\n554\n \n$\n594\n \nDefense, Space & Security\n219\n \n238\n \n233\n \nGlobal Services\n320\n \n346\n \n414\n \nCentrally Managed Assets\n858\n \n841\n \n903\n \nTotal\n$\n1,861\n \n$\n1,979\n \n$\n2,144\n \nAmounts shown in the table represent depreciation and amortization expense recorded by the individual business segments. Depreciation and\namortization for centrally managed assets are included in segment operating earnings based on usage and occupancy. In 2023, $\n650\n was included\nin the primary business segments, of which $\n311\n, $\n264\n and $\n75\n was included in BCA, BDS and BGS, respectively. In 2022, $\n644\n was included in\nthe primary business segments, of which $\n361\n, $\n230\n and $\n53\n was included in BCA, BDS and BGS, respectively. In 2021, $\n669\n was included in the\nprimary business segments, of which $\n387\n, $\n222\n and $\n60\n was included in BCA, BDS and BGS, respectively.\nNote 23 \u2013 \nSubsequent Events\nOn January 5, 2024, an Alaska Airlines 737-9 flight made an emergency landing after a mid-exit door plug detached in flight. Following the accident, the\nFederal Aviation Administration (FAA) grounded and required inspections of all 737-9 aircraft with a mid-exit door plug, \nwhich constitute the large majority\nof the approximately 220 737-9 aircraft in the in-service fleet\n. On January 24, 2024, the FAA approved an\n (1)\n(1)\n109", "27ac2245-b799-43e2-8caf-74f910d2999a": "Table of Contents\nenhanced maintenance and inspection process that must be performed on each of the grounded 737-9 aircraft. Our 737-9 operators have begun returning\ntheir fleets to service, and many 737-9s have completed inspections and resumed revenue flights. All 737-9 aircraft in production will undergo this same\nenhanced inspection process prior to delivery.\nOn January 10, 2024, the FAA notified Boeing that the FAA has initiated an investigation into Boeing\u2019s quality control system.\nOn January 24, 2024, the FAA stated that it will not approve production rate increases or additional production lines for the 737 MAX until \nit is satisfied\nthat Boeing is in full compliance with required quality control procedures.\nWe are currently unable to reasonably estimate what impact the accident and the related FAA actions will have on our financial position, results of\noperations and cash flows.\n110", "e76985a1-8513-43d7-ae8c-cb3a6367a735": "Table of Contents\nREPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM\nTo the shareholders and the Board of Directors of The Boeing Company\nOpinion on the Financial Statements\nWe have audited the accompanying consolidated statements of financial position of The Boeing Company and subsidiaries (the \"Company\") as of\nDecember 31, 2023 and 2022, the related consolidated statements of operations, comprehensive income, equity, and cash flows, for each of the three\nyears in the period ended December 31, 2023, and the related notes (collectively referred to as the \"financial statements\"). In our opinion, the financial\nstatements present fairly, in all material respects, the financial position of the Company as of December 31, 2023 and 2022, and the results of its\noperations and its cash flows for each of the three years in the period ended December 31, 2023, in conformity with accounting principles generally\naccepted in the United States of America.\nWe have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the Company's\ninternal control over financial reporting as of December 31, 2023, based on criteria established in \nInternal Control \u2014 Integrated Framework (2013)\n issued\nby the Committee of Sponsoring Organizations of the Treadway Commission and our report dated January 31, 2024, expressed an unqualified opinion on\nthe Company's internal control over financial reporting.\nBasis for Opinion\nThese financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on the Company's financial\nstatements based on our audits. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the\nCompany in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and\nthe PCAOB.\nWe conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain\nreasonable assurance about whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included\nperforming procedures to assess the risks of material misstatement of the financial statements, whether due to error or fraud, and performing procedures\nthat respond to those risks. Such procedures included examining, on a test basis, evidence regarding the amounts and disclosures in the financial\nstatements. Our audits also included evaluating the accounting principles used and significant estimates made by management, as well as evaluating\nthe overall presentation of the financial statements. We believe that our audits provide a reasonable basis for our opinion.\n111", "19e4f05e-c8f6-4531-a861-3206257ab73c": "Table of Contents\nCritical Audit Matters\nThe critical audit matters communicated below are matters arising from the current-period audit of the financial statements that were communicated or\nrequired to be communicated to the audit committee and that (1) relate to accounts or disclosures that are material to the financial statements and (2)\ninvolved our especially challenging, subjective, or complex judgments. The communication of critical audit matters does not alter in any way our opinion\non the financial statements, taken as a whole, and we are not, by communicating the critical audit matters below, providing separate opinions on the\ncritical audit matters or on the accounts or disclosures to which they relate.\nCost Estimates for Fixed-Price Development Contracts - Refer to Notes 1 and 13 to the financial statements\nCritical Audit Matter Description\nAs more fully described in Notes 1 and 13 to the consolidated financial statements, the Company recognizes revenue over time for long-term contracts\nas goods are produced or services are rendered. The Company uses costs incurred as the method for determining progress, and revenue is recognized\nbased on costs incurred to date plus an estimate of margin at completion. The process of estimating margin at completion involves estimating the costs\nto complete production of goods or rendering of services and comparing those costs to the estimated final revenue amount. Margins on fixed-price\ndevelopment contracts are inherently uncertain in that revenue is fixed while the estimates of costs required to complete these contracts are subject to\nsignificant variability. The operational and technical complexities of fixed-price development contracts create financial risk, which could increase the\nestimates of costs and result in lower margins or material reach-forward losses. The ongoing effects of supply chain and labor disruption compound\nthese complexities and related financial risks.\nGiven the operational and technical complexities of certain of the Company\u2019s fixed-price development contracts, including the KC-46A Tanker,\nCommercial Crew, VC-25B Presidential Aircraft, T-7A Redhawk, and MQ-25 contracts and the limited amount of historical data available in certain\ninstances and significant judgments necessary to estimate future costs at completion, auditing these estimates involved extensive audit effort, a high\ndegree of auditor judgment, and required audit professionals with specialized industry experience.\nHow the Critical Audit Matter Was Addressed in the Audit\nOur audit procedures related to the cost estimates for the KC-46A Tanker, Commercial Crew, VC-25B Presidential Aircraft, T-7A Redhawk, and MQ-25\nfixed-price development contracts included the following, among others:\n\u2022\nWe evaluated the appropriateness and consistency of management\u2019s methods used in developing its estimates.\n\u2022\nWe evaluated the reasonableness of judgments made and significant assumptions used by management relating to key cost and schedule\nestimates, including the effects of supply chain and labor disruptions. We also evaluated the range and probabilities of reasonably possible\noutcomes, and where management set its point estimate within the range.\n\u2022\nWe evaluated the appropriateness of the timing of the incorporation of changes to key estimates, including evaluating the timeline of key events\nand knowledge points that led to management\u2019s determination that a change in estimate was necessary.\n\u2022\nWe inquired of project management, engineers, supply chain leadership, and others directly involved with the execution of contracts to evaluate\nmanagement\u2019s ability to achieve the key\n112", "7d80c579-0ae7-47bf-9868-0d4340e3c68d": "Table of Contents\ncost and schedule estimates, as well as evaluate project status and challenges which may affect total estimated costs to complete.\n\u2022\nWe observed the project work site when key estimates related to tangible or physical progress of the project.\n\u2022\nWe tested the accuracy and completeness of the key data used in developing estimates. We developed independent expectations of reasonable\noutcomes using, in part, the program\u2019s data and compared our expectations to management\u2019s estimates.\n\u2022\nWe performed retrospective reviews when evaluating the thoroughness and precision of management\u2019s estimation process and effectiveness of\nthe related internal controls by comparing actual outcomes to previous estimates and the related financial statement impact, and evaluating key\njudgements made by management when determining the timing of changes to key estimates.\n\u2022\nWe tested the effectiveness of internal controls including, those over the review of significant judgments made and assumptions used to develop\nkey estimates, key data used in developing the estimates and the mathematical extrapolation of such data.\nProgram Accounting Estimates for the 777X Program \u2014 Refer to Notes 1 and 7 to the financial statements\nCritical Audit Matter Description\nThe introduction of new aircraft programs involves increased risk associated with meeting development, certification, and production schedules. The\nCompany uses program accounting to compute cost of sales and margin for each commercial airplane sold. The use of program accounting requires\nestimating the costs over the expected life of each program. In particular, the level of effort to meet regulatory requirements and achieve certification may\nbe challenging to predict, including potential delays in the timing of achieving certification that would delay entry into service and corresponding\nincreases in estimated costs. Changes to the cost estimates related to regulatory requirements to achieve certification could occur, resulting in lower\nmargins or material reach-forward losses. Auditing these estimated costs for the 777X program involved extensive audit effort, a high degree of auditor\njudgment, and required audit professionals with specialized industry experience.\nHow the Critical Audit Matter Was Addressed in the Audit\nOur audit procedures related to the estimated costs for the 777X program included the following, among others:\n\u2022\nWe evaluated the appropriateness and consistency of management\u2019s methods used in developing its cost estimates related to regulatory\nrequirements to achieve certification.\n\u2022\nWe performed procedures to evaluate new changes in estimated costs driven by changes in regulatory requirements to achieve certification.\n\u2022\nWe evaluated the timeline of key events and knowledge points that informs management\u2019s determination to change the cost estimate related to\nregulatory requirements to achieve certification.\n\u2022\nWe inquired of those directly involved with the certification of the aircraft to evaluate project status and challenges which may affect total\nestimated costs to certify the aircraft.\n113", "c3583b47-aa8c-47b5-9e17-ba96ff614576": "Table of Contents\n\u2022\nWe obtained and evaluated communications with regulatory bodies for consistency between management\u2019s certification timeline assumptions\nand cost estimates related to regulatory requirements.\n\u2022\nWe tested the effectiveness of internal controls, including those over the data used in developing the cost estimates, the mathematical\nextrapolation of such data, and management\u2019s judgment regarding the range of possible outcomes relating to the specific cost estimates in the\ncurrent regulatory environment.\n/s/ \nDeloitte & Touche LLP\nChicago, Illinois\nJanuary 31, 2024\nWe have served as the Company's auditor since at least 1934; however, an earlier year could not be reliably determined.\n114", "f38f412a-d6ca-4c07-975c-e605fba6c7b4": "Table of Contents\nREPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM\nTo the shareholders and the Board of Directors of The Boeing Company\nOpinion on Internal Control over Financial Reporting\nWe have audited the internal control over financial reporting of The Boeing Company and subsidiaries (the \u201cCompany\u201d) as of December 31, 2023, based\non criteria established in \nInternal Control \n\u2014\n Integrated Framework (2013\n) issued by the Committee of Sponsoring Organizations of the Treadway\nCommission (COSO). In our opinion, the Company maintained, in all material respects, effective internal control over financial reporting as of\nDecember 31, 2023, based on criteria established in\n Internal Control \n\u2014\n Integrated Framework (2013)\n issued by COSO.\nWe have also audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the consolidated\nfinancial statements as of and for the year ended December 31, 2023 of the Company, and our report dated January 31, 2024 expressed an unqualified\nopinion on those financial statements.\nBasis for Opinion\nThe Company\u2019s management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of\ninternal control over financial reporting, included in the accompanying Management\u2019s Report on Internal Control Over Financial Reporting. Our\nresponsibility is to express an opinion on the Company\u2019s internal control over financial reporting based on our audit. We are a public accounting firm\nregistered with the PCAOB and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the\napplicable rules and regulations of the Securities and Exchange Commission and the PCAOB.\nWe conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain\nreasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit included\nobtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, testing and evaluating the\ndesign and operating effectiveness of internal control based on the assessed risk, and performing such other procedures as we considered necessary in\nthe circumstances. We believe that our audit provides a reasonable basis for our opinion.\nDefinition and Limitations of Internal Control over Financial Reporting\nA company\u2019s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting\nand the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company\u2019s internal\ncontrol over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately\nand fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as\nnecessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures\nof the company are being made only in accordance with authorizations of management and directors of the company; and (3) provide reasonable\nassurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company\u2019s assets that could have a material\neffect on the financial statements.\n115", "dd56606e-9ed6-4cd0-af98-906959753939": "Table of Contents\nBecause of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation\nof effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of\ncompliance with the policies or procedures may deteriorate.\n/s/ \nDeloitte & Touche LLP\nChicago, Illinois\nJanuary 31, 2024\n116", "8b7c9364-6e0f-4404-8f49-6cda48805b31": "Table of Contents\nItem 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure\nNone.\nItem 9A. Controls and Procedures\n(a)\nEvaluation of Disclosure Controls and Procedures.\nOur Chief Executive Officer and Chief Financial Officer have evaluated our disclosure controls and procedures as of December 31, 2023 and have\nconcluded that these disclosure controls and procedures are effective to ensure that information required to be disclosed by us in the reports that we file\nor submit under the Securities Exchange Act of 1934 is recorded, processed, summarized and reported within the time periods specified in the\nSecurities and Exchange Commission\u2019s rules and forms and is accumulated and communicated to our management, including the Chief Executive\nOfficer and Chief Financial Officer, as appropriate to allow timely decisions regarding required disclosure.\n(b)\nManagement\u2019s Report on Internal Control Over Financial Reporting.\nOur management is responsible for establishing and maintaining adequate internal control over financial reporting, as such term is defined in Exchange\nAct Rule 13a-15(f). Our management conducted an evaluation of the effectiveness of our internal control over financial reporting based on the framework\nin Internal Control \u2013 Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission. Based on this\nevaluation under the framework in Internal Control \u2013 Integrated Framework, our management concluded that our internal control over financial reporting\nwas effective as of December 31, 2023.\nOur internal control over financial reporting as of December 31, 2023, has been audited by Deloitte & Touche LLP, an independent registered public\naccounting firm, as stated in their report which is included in Item 8 of this report and is incorporated by reference herein.\n(c)\nChanges in Internal Controls Over Financial Reporting.\nThere were no changes in our internal control over financial reporting that occurred during the fourth quarter of 2023 that have materially affected or are\nreasonably likely to materially affect our internal control over financial reporting.\nItem 9B. Other Information\nDuring the three months ended December 31, 2023, none of our directors or officers \nadopted\n, modified or \nterminated\n a \u201cRule 10b5-1 trading arrangement\u201d\nor a \u201cnon-Rule 10b5-1 trading arrangement\u201d as such terms are defined under Item 408 of Regulation S-K.\nDuring the three months ended December 31, 2023, the Company did \nnot adopt\n, modify or \nterminate\n a \u201cRule 10b5-1 trading arrangement\u201d as such term\nis defined under Item 408 of Regulation S-K.\nItem 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections\nNone.\n117", "c406072e-03a5-478d-8a77-52d72c92760c": "Table of Contents\nPart III\nItem 10. Directors, Executive Officers and Corporate Governance\nOur executive officers and their ages as of January 31, 2024, are as follows:\nName\nAge\nPrincipal Occupation or Employment/Other Business Affiliations\nBrian R. Besanceney\n51\nChief Communications Officer and Senior Vice President, Communications since August 2022. Prior\nto joining Boeing, Mr. Besanceney served as Senior Vice President and Chief Communications\nOfficer for Walmart Inc. from April 2016 to August 2022. Prior to that he held executive-level positions\nfor The Walt Disney Company including Senior Vice President of Public Affairs from 2010 to 2016\nand Vice President of Public Affairs and Business Development for Disney\u2019s Parks and Resorts\ndivision from 2009 to 2010.\nStephen E. Biegun\n60\nSenior Vice President, Global Public Policy since April 2023. Prior to joining Boeing, Mr. Biegun\nserved as senior Advisor to Macro Advisory Partners from August 2021 to April 2023, Deputy\nSecretary of State for the U.S. Department of State from December 2019 to January 2021, Special\nRepresentative for North Korea for the U.S. Department of State from September 2018 to January\n2021 and Vice President, International Governmental Relations at Ford Motor Company from April\n2004 to November 2018.\nDavid L. Calhoun\n66\nPresident and Chief Executive Officer since January 2020 and a member of the Board of Directors\nsince June 2009. Previously, Mr. Calhoun served as Senior Managing Director & Head of Private\nEquity Portfolio Operations at The Blackstone Group from January 2014 to January 2020. Prior to\nthat, Mr. Calhoun served as Chairman of the Board of Nielsen Holdings plc from January 2014 to\nJanuary 2016, as Chief Executive Officer of Nielsen Holdings plc from May 2010 to January 2014,\nand as Chairman of the Executive Board and Chief Executive Officer of The Nielsen Company B.V.\nfrom August 2006 to January 2014. Prior to joining Nielsen, he served as Vice Chairman of General\nElectric Company and President and Chief Executive Officer of GE Infrastructure. During his 26-year\ntenure at GE, he ran multiple business units including GE Transportation, GE Aircraft Engines, GE\nEmployers Reinsurance Corporation, GE Lighting and GE Transportation Systems. Mr. Calhoun also\nserves on the board of directors of Caterpillar Inc.\n118", "12e4a385-5ba3-414e-8530-4c492ba47803": "Table of Contents\nName\nAge\nPrincipal Occupation or Employment/Other Business Affiliations\nTheodore Colbert III\n50\nExecutive Vice President, President and Chief Executive Officer, Boeing Defense, Space & Security\nsince April 2022. Mr. Colbert previously served as Executive Vice President, President and Chief\nExecutive Officer, Boeing Global Services from October 2019 to March 2022; Chief Information Officer\nand Senior Vice President, Information Technology & Data Analytics from April 2016 to October\n2019; Chief Information Officer and Vice President of Information Technology from November 2013 to\nApril 2016; Vice President of Information Technology Infrastructure from December 2011 to November\n2013; and Vice President of IT Business Systems from September 2010 to December 2011. Mr.\nColbert serves on the board of directors of Archer-Daniels-Midland Company.\nMichael D\u2019Ambrose\n66\nChief Human Resources Officer and Executive Vice President, Human Resources since June 2021.\nPrior to joining Boeing in July 2020 as Executive Vice Present, Human Resources, Mr. D'Ambrose\nserved as Senior Vice President and Chief Human Resources Officer for Archer-Daniels-Midland\nCompany from October 2006 to June 2020. Previously, he served in a series of executive-level\nbusiness and human resources positions, including chief human resources officer at Citigroup, First\nData Corporation and Toys 'R' Us, Inc.\nStanley A. Deal\n59\nExecutive Vice President, President and Chief Executive Officer, Boeing Commercial Airplanes since\nOctober 2019. Mr. Deal joined Boeing in 1986, and his previous positions include Executive Vice\nPresident, President and Chief Executive Officer, Boeing Global Services from November 2016 to\nOctober 2019; Senior Vice President of Commercial Aviation Services from March 2014 to November\n2016; Vice President and General Manager of Supply Chain Management and Operations for\nCommercial Airplanes from September 2011 to February 2014; Vice President of Supplier\nManagement from February 2010 to August 2011; and Vice President of Asia Pacific Sales from\nDecember 2006 to January 2010.\nSusan Doniz\n54\nChief Information Officer and Senior Vice President, Information Technology & Data Analytics since\nMay 2020. Prior to joining Boeing, Ms. Doniz served as Global Chief Information Officer of Qantas\nAirways Limited from January 2017 to April 2020; as strategic advisor to the Global CEO of SAP SE\non transformation and technology issues in support of customers from September 2015 to January\n2017; and Global Product, Digital Strategy and Chief Information Officer of AIMIA Inc. from June 2011\nto January 2015.\nBrett C. Gerry\n52\nChief Legal Officer and Executive Vice President, Global Compliance since May 2020. Mr. Gerry\npreviously served as Senior Vice President and General Counsel from May 2019 to May 2020;\nPresident of Boeing Japan from February 2016 to May 2019; Vice President and General Counsel,\nBoeing Commercial Airplanes from March 2009 to March 2016; and Chief Counsel, Network and\nSpace Systems from September 2008 to March 2009.\n119", "fa168c8b-9fa4-4caf-9253-0b147634fce8": "Table of Contents\nName\nAge\nPrincipal Occupation or Employment/Other Business Affiliations\nHoward E. McKenzie\n57\nChief Engineer and Executive Vice President, Engineering, Test & Technology since March 2023. Mr.\nMcKenzie joined Boeing in 1987 and his previous positions include Vice President and Chief\nEngineer of Boeing Commercial Airplanes from August 2021 to March 2023; Vice President and Chief\nEngineer of Boeing Global Services from June 2020 to August 2021; Vice President of Boeing Test\nand Evaluation from June 2019 to June 2020; and Vice President and Chief Project Engineer for the\n777 program from October 2017 to June 2019.\nBrendan J. Nelson\n65\nSenior Vice President and President, Boeing International since January 2023. Dr. Nelson previously\nserved as President of Boeing Australia, New Zealand and South Pacific from February 2020 to\nJanuary 2023. Prior to joining Boeing, he served as the Director of the Australian War Memorial from\nDecember 2012 to December 2019 and as the Australian Ambassador to Belgium, Luxembourg, the\nEuropean Union and NATO from February 2010 to November 2012.\nZiad S. Ojakli\n56\nExecutive Vice President, Government Operations since October 2021. Prior to joining Boeing, Mr.\nOjakli served as a managing partner and Senior Vice President of Global Government Affairs at\nSoftBank Group Corp. from August 2018 to September 2020. Prior to that, he served as Group Vice\nPresident, Government & Community Relations at Ford Motor Company from January 2004 to July\n2018.\nStephanie F. Pope\n51\nExecutive Vice President and Chief Operating Officer since January 2024. Ms. Pope joined Boeing in\n1994, and her previous positions include Executive Vice President, President and Chief Executive\nOfficer, Boeing Global Services from April 2022 to December 2023; Vice President and Chief\nFinancial Officer of Boeing Commercial Airplanes from December 2020 to March 2022; Vice\nPresident and Chief Financial Officer of Boeing Global Services from January 2017 to December\n2020; Vice President of Finance and Controller for Boeing Defense, Space & Security from August\n2016 to December 2016; and Vice President, Financial Planning & Analysis from February 2013 to\nJuly 2016.\nD. Christopher Raymond\n59\nExecutive Vice President, President and Chief Executive Officer, Boeing Global Services since\nJanuary 2024. Mr. Raymond joined Boeing in 1986 and his previous positions include Senior Vice\nPresident and Chief Sustainability Officer from October 2020 to December 2023; Vice President of\nSustainability, Strategy and Corporate Development from April 2019 to October 2020; Vice President\nand General Manager of Autonomous Systems, a division within Boeing Defense, Space & Security,\nfrom April 2015 to July 2018; and a series of other Vice President and General Manager of several\nbusinesses for Boeing Defense, Space & Security.\n120", "5f143c13-e171-4c5a-9e5a-ffd2bb3fd49e": "Table of Contents\nName\nAge\nPrincipal Occupation or Employment/Other Business Affiliations\nBrian J. West\n54\nExecutive Vice President and Chief Financial Officer since August 2021. Prior to joining Boeing, Mr.\nWest served as Chief Financial Officer of Refinitiv Holdings (a London Stock Exchange Group business\nand provider of financial markets data and infrastructure) from November 2018 to June 2021. Prior to\nthat, he served as Chief Financial Officer and Executive Vice President of Operations of Oscar\nInsurance Corporation from January 2016 to October 2018. Mr. West served as Chief Operating Officer\nof Nielsen Holdings plc from March 2014 to December 2015 and as Chief Financial Officer of Nielsen\nHoldings plc (or its predecessor) from February 2007 to March 2014. Prior to joining Nielsen, Mr. West\nwas employed by the General Electric Company as the Chief Financial Officer of its GE Aviation division\nfrom June 2005 to February 2007 and Chief Financial Officer of its GE Aviation Services division from\nMarch 2004 to June 2005. Prior to that, Mr. West held several senior financial positions across General\nElectric Company businesses, including Plastics, NBC, Energy and Transportation.\nCodes of Ethics.\n We have adopted (1) The Boeing Company Code of Ethical Business Conduct for the Board of Directors; and (2) The Boeing Code of\nConduct that applies to all employees, including our CEO (collectively, the Codes of Conduct). The Codes of Conduct are posted on our website,\nwww.boeing.com/company/general-info/corporate-governance.page. We intend to disclose promptly on our website any amendments to, or waivers of,\nthe Codes of Conduct covering our CEO, CFO and/or Controller.\nNo family relationships exist among any of the executive officers, directors or director nominees.\nAdditional information required by this item will be included under the captions \u201cElection of Directors,\u201d \u201cStock Ownership Information\u201d and \u201cBoard\nCommittees\u201d in our proxy statement, which will be filed with the SEC no later than 120 days after December 31, 2023 (the \u201c2024 Proxy Statement\u201d), and\nthat information is incorporated by reference herein.\nItem 11. Executive Compensation\nThe information required by this item will be included under the captions \u201cCompensation Discussion and Analysis,\u201d \u201cCompensation of Executive Officers,\u201d\n\u201cCompensation of Directors,\u201d in the 2024 Proxy Statement, and that information is incorporated by reference herein.\n121", "e82cb318-8402-420c-a3ed-6158b3020222": "Table of Contents\nItem 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters\nEquity Compensation Plan Information\nOur equity compensation plans approved by our shareholders provide for the issuance of common stock to officers and other employees, directors and\nconsultants. The following table sets forth information regarding outstanding options and units, and shares available for future issuance under these plans\nas of December 31, 2023:\nPlan Category\nNumber of shares\nto be issued upon exercise of\noutstanding\noptions and units\nWeighted-average\nexercise price of\noutstanding\noptions\nNumber of securities\nremaining available for\nfuture issuance under\nequity compensation\nplans (excluding\nshares reflected\nin column (a))\n(a)\n(b)\n(c)\nEquity compensation plans approved by\nshareholders\nStock options\n792,662 \n$252.35 \nDeferred compensation\n604,179 \nOther stock units\n6,540,319 \nEquity compensation plans not approved by\nshareholders\nNone\nNone\nNone\nTotal\n7,937,160 \n$252.35 \n29,851,662 \nIncludes the employee stock purchase plan and the 2023 Incentive Stock Plan and its predecessor plan.\nIncludes 399,798 shares issuable in respect of Performance Restricted Stock Units. The shares included represent the maximum number of shares\nthat may be issued upon vesting if the maximum performance goal is achieved for the three-year performance period.\nIncludes 11,783,281 shares issuable under our employee stock purchase plan. There were 60,365 shares subject to purchase under the employee\nstock purchase plan as of December 31, 2023.\nExcludes shares of common stock that may be offered and sold under our 401(k) Plan. On February 5, 2021, 30,000,000 shares of common stock\nwere registered for this purpose, of which 12,998,806 remained available as of December 31, 2023.\nFor further information, see Note 17 to our Consolidated Financial Statements.\nThe additional information required by this item will be included under the caption \u201cStock Ownership Information\u201d in the 2024 Proxy Statement, and that\ninformation is incorporated by reference herein.\nItem 13. Certain Relationships and Related Transactions, and Director Independence\nThe information required by this item will be included under the captions \u201cRelated Person Transactions\u201d and \u201cDirector Independence\u201d in the 2024 Proxy\nStatement, and that information is incorporated by reference herein.\n(1)\n(2)\n(3)(4)\n(1)\n \n(2) \n(3) \n(4) \n122", "69df7bfd-e669-45e1-97c5-b8f0ef059b5f": "Table of Contents\nItem 14. Principal Accountant Fees and Services\nOur independent registered public accounting firm is \nDeloitte & Touche LLP\n (PCAOB ID No. \n34\n).\nThe information required by this item will be included under the caption \u201cIndependent Auditor Fees\u201d in the 2024 Proxy Statement, and that information is\nincorporated by reference herein.\nPART IV\nItem 15. Exhibits and Financial Statement Schedules\n(a)\nList of documents filed as part of this report:\n1.\nFinancial Statements\nOur consolidated financial statements are as set forth under Item 8 of this report on Form 10-K.\n2.\nFinancial Statement Schedules\nAll schedules are omitted because they are not applicable, not required or the information is included in the consolidated financial statements.\n3.\nExhibits\n3.1\nAmended and Restated Certificate of Incorporation of The Boeing Company dated May 5, 2006 (Exhibit 3.1 to the Company\u2019s Current\nReport on Form 8-K dated May 1, 2006)\n3.2\nBy-Laws of The Boeing Company, as amended and restated, effective \nAugust\n 2\n9\n, 202\n3\n (Exhibit 3.\n1\n to the Company's Form 10-Q for\nthe quarter ended \nSeptember\n 30, 202\n3\n)\n4.1\nDescription of The Boeing Company Securities Registered under Section 12 of the Exchange Act (Exhibit 4.1 to the Company\u2019s Form\n10-K for the year ended December 31, 2019)\n10.1\n3\n64-Day Credit Agreement, dated as of August 24, 2023, among The Boeing Company for itself and on behalf of its Subsidiaries, as a\nBorrower, the Lenders party hereto, Citibank, N.A., as administrative agent, JPMorgan Chase Bank, N.A. as syndication agent and\nCitibank, N.A. and JPMorgan Chase Bank N.A., as joint lead arrangers and joint book managers (Exhibit 10.1 to the Company\u2019s Form\n10-Q for the quarter ended September 30, 2023)\n10.2\nFive-Year Credit Agreement, dated as of August 24, 2023, among The Boeing Company for itself and on behalf of its Subsidiaries, as a\nBorrower, the Lenders party hereto, Citibank, N.A., as administrative agent, JPMorgan Chase Bank, N.A., as syndication agent and\nCitibank N.A. and JPMorgan Chase Bank, N.A., as joint lead arrangers and joint book managers (Exhibit 10.\n2\n to the Company\u2019s Form\n10-Q for the quarter ended September 30, 2023)\n10.3\nThree-Year Credit Agreement, dated as of August 25, 2022, among The Boeing Company for itself and on behalf of its Subsidiaries, as\na Borrower, the Lenders party hereto, Citibank, N.A., as administrative agent, JPMorgan Chase Bank, N.A., as syndication agent and\nCitibank, N.A. and JPMorgan Chase Bank, N.A., as joint lead arrangers and joint book managers (Exhibit 10.2 to the Company\u2019s\nCurrent Report on Form 8-K, dated August 25, 2022)\n123", "f115d191-d251-456a-8748-b4d73162d1fc": "Table of Contents\n10.4\nFive-Year Credit Agreement, dated as of October 30, 2019, among The Boeing Company, for itself and on behalf of its Subsidiaries, as\na Borrower, the Lenders party hereto, Citibank, N.A., as administrative agent, JPMorgan Chase Bank, N.A., as syndication agent and\nCitibank N.A. and JPMorgan Chase Bank, N.A., as joint lead arrangers and joint book managers (Exhibit 10.2 to the Company\u2019s\nCurrent Report on Form 8-K dated October 30, 2019\n10.5\nAmendment No. 1, dated as of August 25, 2022, to Five-Year Credit Agreement, dated as of October 30, 2019, among The Boeing\nCompany for itself and on behalf of its Subsidiaries, as a Borrower, the Lenders party hereto, Citibank, N.A., as administrative agent,\nJPMorgan Chase Bank, N.A., as syndication agent and Citibank N.A. and JPMorgan Chase Bank, N.A., as joint lead arrangers and\njoint book managers (Exhibit 10.3 to the Company\u2019s Current Report on Form 8-K, dated August 25, 2022)\n10.6\nJoint Venture Master Agreement, dated as of May 2, 2005, by and among Lockheed Martin Corporation, The Boeing Company and\nUnited Launch Alliance, L.L.C. (Exhibit (10)(i) to the Company\u2019s Form 10-Q for the quarter ended June 30, 2005)\n10.7\nDelta Inventory Supply Agreement, dated as of December 1, 2006, by and between United Launch Alliance, L.L.C. and The Boeing\nCompany (Exhibit (10)(vi) to the Company\u2019s Form 10-K for the year ended December 31, 2006)\n10.8\nDeferred Prosecution Agreement dated January 6, 2021 (Exhibit 10.1 to the Company\u2019s Current Report on Form 8-K dated January 6,\n2021)\n10.9\nSummary of Non employee Director Compensation (Exhibit 10.6 to the Company\u2019s Form 10-K for the year ended December 31,\n2019)*\n10.10\nDeferred Compensation Plan for Directors of The Boeing Company, as amended and restated effective January 1, 2008 (Exhibit 10.2\nto the Company\u2019s Current Report on Form 8-K dated October 28, 2007)*\n10.11\nThe Boeing Company Annual Incentive Plan, as amended and restated February 24, 2020 (formerly known as the Incentive\nCompensation Plan for Employees of The Boeing Company and Subsidiaries) (Exhibit 10.2 to the Company\u2019s Form 10-Q for the\nquarter ended March 31, 2020)*\n10.12\nThe Boeing Company 1997 Incentive Stock Plan, as amended effective May 1, 2000 and further amended effective January 1, 2008\n(Exhibit 10.5 to the Company\u2019s Current Report on Form 8-K dated October 28, 2007)*\n10.13\nSupplemental Executive Retirement Plan for Employees of The Boeing Company, as amended and restated as of \nJune\n 1, 20\n21\n*\n10.14\nThe Boeing Company Executive Supplemental Savings Plan, as amended and restated effective January 1, 2022* (Exhibit 10.13 to the\nCompany's Form 10-K for the year ended December 31, 2022)\n10.15\nThe Boeing Company Executive Layoff Benefits Plan, as amended and restated effective January 1, 2017 (Exhibit (10)(xviii) to the\nCompany\u2019s Form 10-K for the year ended December 31, 2016)*\n10.16\nThe Boeing Company 2003 Incentive Stock Plan, as amended and restated effective December 9, 2021 (Exhibit 10.16 to the\nCompany\u2019s Form 10-K for the year ended December 31, 2021)*\n10.17\nThe Boeing Company 2023 Incentive Stock Plan, effective April 18, 2023 (Exhibit 10.9 to the Company\u2019s Form 10-Q for the quarter\nended March 31, 2023)*\n124", "9c08e319-6ead-42d8-ad48-7ee62a86f97e": "Table of Contents\n10.18\nForm of U.S. Notice of Terms of Non-Qualified Stock Option (Exhibit 10.1 to the Company\u2019s 10-Q for the quarter ended March 31,\n2021)*\n10.19\nForm of International Notice of Terms of Non-Qualified Stock Option (Exhibit 10.2 to the Company\u2019s 10-Q for the quarter ended March\n31, 2021)*\n10.20\nForm of U.S. Notice of Terms of Non-Qualified Stock Option for CEO (Exhibit 10.3 to the Company\u2019s 10-Q for the quarter ended March\n31, 2021)*\n10.21\nForm of U.S. Notice of Terms of Restricted Stock Units (Exhibit 10.4 to the Company\u2019s 10-Q for the quarter ended March 31, 2021)*\n10.22\nForm of International Notice of Terms of Restricted Stock Units (Exhibit 10.5 to the Company\u2019s 10-Q for the quarter ended March 31,\n2021)*\n10.23\nForm of U.S. Notice of Terms of Restricted Stock Units for CEO (Exhibit 10.6 to the Company\u2019s 10-Q for the quarter ended March 31,\n2021)*\n10.24\nForm of Notice of Terms of Supplemental Restricted Stock Units (Exhibit 10.2 to the Company\u2019s Current Report on Form 8-K dated\nJune 29, 2021)*\n10.25\nForm of Notice of Terms of Supplemental Non-Qualified Stock Option (Exhibit 10.3 to the Company\u2019s Current Report on Form 8-K\ndated June 29, 2021)*\n10.26\nU.S. Notice of Terms of Non-Qualified Premium-Priced Stock Option for CEO, dated February 16, 2022 (Exhibit 10.1 to the\nCompany\u2019s Form 10-Q for the quarter ended March 31, 2022)*\n10.27\nU.S. Notice of Terms of Long-Term Incentive Restricted Stock Units for CEO, dated February 16, 2022 (Exhibit 10.2 to the Company\u2019s\nForm 10-Q for the quarter ended March 31, 2022)*\n10.28\nForm of U.S. Notice of Terms of Non-Qualified Premium-Priced Stock Option (Exhibit 10.3 to the Company\u2019s Form 10-Q for the\nquarter ended March 31, 2022)*\n10.29\nForm of U.S. Notice of Terms of Long-Term Incentive Restricted Stock Units (Exhibit 10.4 to the Company\u2019s Form 10-Q for the quarter\nended March 31, 2022)*\n10.30\nForm of International Notice of Terms of Non-Qualified Premium-Priced Stock Option (Exhibit 10.5 to the Company\u2019s Form 10-Q for\nthe quarter ended March 31, 2022)*\n10.31\nForm of International Notice of Terms of Long-Term Incentive Restricted Stock Units (Exhibit 10.6 to the Company\u2019s Form 10-Q for the\nquarter ended March 31, 2022)*\n10.32\nForm of U.S. Notice of Terms of Long-Term Incentive Restricted Stock Units \u2013 CEO (Exhibit 10.1 to the Company\u2019s Form 10-Q for the\nquarter ended March 31, 2023)*\n10.33\nForm of U.S. Notice of Terms of Long-Term Incentive Performance Restricted Stock Units \u2013 CEO (Exhibit 10.2 to the Company\u2019s\nForm 10-Q for the quarter ended March 31, 2023)*\n10.34\nForm of U.S. Notice of Terms of Long-Term Incentive Restricted Stock Units (Exhibit 10.3 to the Company\u2019s Form 10-Q for the quarter\nended March 31, 2023)*\n10.35\nForm of International Notice of Terms of Long-Term Incentive Restricted Stock Units (Stock-Settled) (Exhibit 10.4 to the Company\u2019s\nForm 10-Q for the quarter ended March 31, 2023)\n*\n10.36\nForm of U.S.", "8cf901a1-8cab-446b-a2f1-10f7c869ff2c": "Notice of Terms of Long-Term Incentive Performance Restricted Stock Units \u2013 CEO (Exhibit 10.2 to the Company\u2019s\nForm 10-Q for the quarter ended March 31, 2023)*\n10.34\nForm of U.S. Notice of Terms of Long-Term Incentive Restricted Stock Units (Exhibit 10.3 to the Company\u2019s Form 10-Q for the quarter\nended March 31, 2023)*\n10.35\nForm of International Notice of Terms of Long-Term Incentive Restricted Stock Units (Stock-Settled) (Exhibit 10.4 to the Company\u2019s\nForm 10-Q for the quarter ended March 31, 2023)\n*\n10.36\nForm of U.S. Notice of Terms of Long-Term Incentive Performance Restricted Stock Units (Exhibit 10.5 to the Company\u2019s Form 10-Q\nfor the quarter ended March 31, 2023)*\n10.37\nForm of International Notice of Terms of Long-Term Incentive Performance Restricted Stock Units (Stock-Settled) (Exhibit 10.6 to the\nCompany\u2019s Form 10-Q for the quarter ended March 31, 2023)*\n125", "d91cc22f-42af-454b-8aeb-a0b8c01757be": "Table of Contents\n10.38\nU.S. Notice of Terms of Supplemental Restricted Stock Units (Exhibit 10.7 to the Company\u2019s Form 10-Q for the quarter ended\nMarch 31, 2023)*\n10.39\nU.S. Notice of Terms of Special Restricted Stock Units - CEO, dated February 16, 2023 (Exhibit 10.\n1\n to the Company\u2019s \nCurrent\nReport on Form\n \n8\n-\nK\n \ndated February 16, 2023\n)*\n10.40\nEmployment Agreement between Boeing Canada Operations LTD and Susan Doniz (Exhibit 10.1 to the Company\u2019s Form 10-Q for\nthe quarter ended June 30, 2020)*\n21\nList of Company Subsidiaries\n23\nConsent of Independent Registered Public Accounting Firm\n31.1\nCertification of Chief Executive Officer pursuant to Section 302 of Sarbanes-Oxley Act of 2002\n31.2\nCertification of Chief Financial Officer pursuant to Section 302 of Sarbanes-Oxley Act of 2002\n32.1\nCertification of Chief Executive Officer pursuant to Section 906 of Sarbanes-Oxley Act of 2002\n32.2\nCertification of Chief Financial Officer pursuant to Section 906 of Sarbanes-Oxley Act of 2002\n97\nThe Bo\neing C\nompany \nClawback Policy\n99.1\nCommercial Program Method of Accounting (Exhibit (99)(i) to the Company\u2019s Form 10-K for the year ended December 31, 1997)\n101.SCH\nXBRL Taxonomy Extension Schema Document\n101.CAL\nXBRL Taxonomy Extension Calculation Linkbase Document\n101.DEF\nXBRL Taxonomy Extension Definition Linkbase Document\n101.LAB\nXBRL Taxonomy Extension Label Linkbase Document\n101.PRE\nXBRL Taxonomy Extension Presentation Linkbase Document\n104\nCover Page Interactive Data File - the cover page XBRL tags are embedded within the Inline XBRL document contained in Exhibit\n101\n* Management contract or compensatory plan\nIn accordance with Item 601(b)(4)(iii)(A) of Regulation S-K, copies of certain instruments defining the rights of holders of long-term debt of the Company\nare not filed herewith. Pursuant to this regulation, we hereby agree to furnish a copy of any such instrument to the SEC upon request.\nItem 16. Form 10-K Summary\nNone.\n126", "45fb39b7-e0e2-43bc-b7c1-f7a7d63f3e77": "Table of Contents\nSignatures\nPursuant to the requirements of Section 13 of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf\nby the undersigned, thereunto duly authorized, on January 31, 2024.\nTHE BOEING COMPANY\n(Registrant)\nBy:\n \n/s/ Michael J. Cleary\n \nMichael J. Cleary \u2013 Senior Vice President and Controller\n127", "e7842a3a-28d7-4fd0-aae5-64ac56802820": "Table of Contents\nPursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the\nregistrant and in the capacities indicated on January 31, 2024.\n/s/ David L. Calhoun\n/s/ Akhil Johri\nDavid L. Calhoun \u2013 President and Chief Executive Officer and Director\nAkhil Johri \u2013 Director\n(Principal Executive Officer)\n/s/ Brian J. West\n/s/ David L. Joyce\nBrian J. West \u2013 Executive Vice President and Chief Financial Officer\nDavid L. Joyce \u2013 Director\n(Principal Financial Officer)\n/s/ Michael J. Cleary\n/s/ Lawrence W. Kellner\nMichael J. Cleary \u2013 Senior Vice President and Controller\nLawrence W. Kellner \u2013 Chair of the Board\n(Principal Accounting Officer)\n/s/ Robert A. Bradway\n/s/ Steven M. Mollenkopf\nRobert A. Bradway \u2013 Director\nSteven M. Mollenkopf \u2013 Director\n/s/ Lynne M. Doughtie\n/s/ John M. Richardson\nLynne M. Doughtie \u2013 Director\nJohn M. Richardson \u2013 Director\n/s/ David L. Gitlin\n/s/ Sabrina Soussan\nDavid L. Gitlin \u2013 Director\nSabrina Soussan \u2013 Director\n/s/ Lynn J. Good\n/s/ Ronald A. Williams\nLynn J. Good \u2013 Director\nRonald A. Williams \u2013 Director\n/s/ Stayce D. Harris\nStayce D. Harris \u2013 Director\n128", "d0cf1e63-c3a5-4622-8ccb-ac5c62f64c6f": "UNITED STATES\nUNITED STATES\nSECURITIES AND EXCHANGE COMMISSION\nSECURITIES AND EXCHANGE COMMISSION\nWashington, D.C. 20549\nWashington, D.C. 20549\nFORM \nFORM \n10-K\n10-K\n(Mark One)\n(Mark One)\n \nANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES\nEXCHANGE ACT OF 1934\nFor the Fiscal Year Ended \nDecember 31\n, 2023\nor\n TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES\nEXCHANGE ACT OF 1934\nFor the transition period from to\nCommission file number:\nCommission file number:\n1-6523\nExact name of registrant as specified in its charter:\nExact name of registrant as specified in its charter:\nBank of America Corporation\nBank of America Corporation\nState or other jurisdiction of incorporation or organization:\nState or other jurisdiction of incorporation or organization:\nDelaware\nIRS Employer Identification No.:\nIRS Employer Identification No.:\n56-0906609\nAddress of principal executive offices:\nAddress of principal executive offices:\nBank of America Corporate Center\n100 N. Tryon Street\nCharlotte\n, \nNorth Carolina\n \n28255\nRegistrant\u2019s telephone number, including area code:\nRegistrant\u2019s telephone number, including area code:\n(\n704\n) \n386-5681\nSecurities registered pursuant to section 12(b) of the Act:\nTitle of each class\nTitle of each class\nTrading Symbol(s)\nTrading Symbol(s)\nName of each exchange on which registered\nName of each exchange on which registered\nCommon Stock, par value $0.01 per share\nBAC\nNew York Stock Exchange\nDepositary Shares, each representing a 1/1,000th interest in a share\nBAC PrE\nNew York Stock Exchange\n of Floating Rate Non-Cumulative Preferred Stock, Series E\nDepositary Shares, each representing a 1/1,000th interest in a share\nBAC PrB\nNew York Stock Exchange\n of 6.000% Non-Cumulative Preferred Stock, Series GG\nDepositary Shares, each representing a 1/1,000th interest in a share\nBAC PrK\nNew York Stock Exchange\n of 5.875% Non-Cumulative Preferred Stock, Series HH\n7.25% Non-Cumulative Perpetual Convertible Preferred Stock, Series L\nBAC PrL\nNew York Stock Exchange\nDepositary Shares, each representing a 1/1,200th interest in a share\nBML PrG\nNew York Stock Exchange\nof Bank of America Corporation Floating Rate\nNon-Cumulative Preferred Stock, Series 1", "0e1dce15-3ac8-4150-a948-9df56ef98585": "Title of each class\nTitle of each class\nTrading Symbol(s)\nTrading Symbol(s)\nName of each exchange on which registered\nName of each exchange on which registered\nDepositary Shares, each representing a 1/1,200th interest in a share\nBML PrH\nNew York Stock Exchange\n of Bank of America Corporation Floating Rate\nNon-Cumulative Preferred Stock, Series 2\nDepositary Shares, each representing a 1/1,200th interest in a share\nBML PrJ\nNew York Stock Exchange\n of Bank of America Corporation Floating Rate\nNon-Cumulative Preferred Stock, Series 4\nDepositary Shares, each representing a 1/1,200th interest in a share\nBML PrL\nNew York Stock Exchange\n of Bank of America Corporation Floating Rate\nNon-Cumulative Preferred Stock, Series 5\nFloating Rate Preferred Hybrid Income Term Securities of BAC Capital\nBAC/PF\nNew York Stock Exchange\n Trust XIII (and the guarantee related thereto)\n5.63% Fixed to Floating Rate Preferred Hybrid Income Term Securities\nBAC/PG\nNew York Stock Exchange\n of BAC Capital Trust XIV (and the guarantee related thereto)\nIncome Capital Obligation Notes initially due December 15, 2066 of\nMER PrK\nNew York Stock Exchange\nBank of America Corporation\nSenior Medium-Term Notes, Series A, Step Up Callable Notes, due\nBAC/31B\nNew York Stock Exchange\n November 28, 2031 of BofA Finance LLC (and the guarantee\nof the Registrant with respect thereto)\nDepositary Shares, each representing a 1/1,000th interest in a share\nBAC PrM\nNew York Stock Exchange\n of 5.375% Non-Cumulative Preferred Stock, Series KK\nDepositary Shares, each representing a 1/1,000th interest in a share\nBAC PrN\nNew York Stock Exchange\nof 5.000% Non-Cumulative Preferred Stock, Series LL\nDepositary Shares, each representing a 1/1,000th interest in a share\nBAC PrO\nNew York Stock Exchange\nof 4.375% Non-Cumulative Preferred Stock, Series NN\nDepositary Shares, each representing a 1/1,000th interest in a share\nBAC PrP\nNew York Stock Exchange\nof 4.125% Non-Cumulative Preferred Stock, Series PP\nDepositary Shares, each representing a 1/1,000th interest in a share\nBAC PrQ\nNew York Stock Exchange\nof 4.250% Non-Cumulative Preferred Stock, Series QQ\nDepositary Shares, each representing a 1/1,000th interest in a share\nBAC PrS\nNew York Stock Exchange\nof 4.750% Non-Cumulative Preferred Stock, Series SS\nSecurities registered pursuant to Section 12(g) of the Act: None\nIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes \n \nNo\n \nIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes \n \nNo\n \nIndicate by check mark whether the registrant: (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12\nmonths (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. \nYes\n \n \nNo \nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (\u00a7 232.405 of\nthis chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). \nYes\n \n No \nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company.\nSee the definitions of \u201clarge accelerated filer,\u201d \u201caccelerated filer,\u201d \u201csmaller reporting company\u201d and \u201cemerging growth company\u201d in Rule 12b-2 of the Exchange Act.", "822553fe-f444-4bd8-9441-73e7621c6f42": "Yes\n \n \nNo \nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (\u00a7 232.405 of\nthis chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). \nYes\n \n No \nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company.\nSee the definitions of \u201clarge accelerated filer,\u201d \u201caccelerated filer,\u201d \u201csmaller reporting company\u201d and \u201cemerging growth company\u201d in Rule 12b-2 of the Exchange Act.\nLarge accelerated filer\nAccelerated filer\nNon-accelerated filer\nSmaller reporting company\n \nEmerging growth company\n \nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial\naccounting standards provided pursuant to Section 13(a) of the Exchange Act. \nIndicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting\nunder Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report. \nIf securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of\nan error to previously issued financial statements. \nIndicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the\nregistrant\u2019s executive officers during the relevant recovery period pursuant to \u00a7240.10D-1(b)\n. \nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes \n No \nAs of June 30, 2023, the aggregate market value of the registrant\u2019s common stock (Common Stock) held by non-affiliates was approximately $\n228,187,725,798\n. At February 16, 2024,\nthere were \n7,872,657,542\n shares of Common Stock outstanding.\nDocuments incorporated by reference: \nPortions of the definitive proxy statement relating to the registrant\u2019s 2024 annual meeting of shareholders are incorporated by reference in this\nForm 10-K in response to Items 10, 11, 12, 13 and 14 of Part III.", "c23216df-f3fa-4ddc-b2cc-26c7d9f73d6e": "Table of Contents\nTable of Contents\nBank of America Corporation and Subsidiaries\nPart I\nPart I\n \nPage\nItem 1.\nItem 1.\nBusiness\n2\nItem 1A\nItem 1A\n.\n.\nRisk Factors\n8\nItem 1B.\nItem 1B.\nUnresolved Staff Comments\n23\nItem \nItem \n1\n1\nC\nC\n.\n.\nCybersecurity\n23\nItem 2.\nItem 2.\nProperties\n23\nItem 3.\nItem 3.\nLegal Proceedings\n23\nItem 4.\nItem 4.\nMine Safety Disclosures\n23\nPart II\nPart II\n \n \nItem 5.\nItem 5.\nMarket for Registrant\u2019s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities\n23\nItem 6.\nItem 6.\n[Reserved]\n23\nItem 7.\nItem 7.\nManagement\u2019s Discussion and Analysis of Financial Condition and Results of Operations\n24\nItem 7A.\nItem 7A.\nQuantitative and Qualitative Disclosures about Market Risk\n86\nItem 8.\nItem 8.\nFinancial Statements and Supplementary Data\n86\nItem 9.\nItem 9.\nChanges in and Disagreements with Accountants on Accounting and Financial Disclosure\n172\nItem 9A.\nItem 9A.\nControls and Procedures\n172\nItem 9B.\nItem 9B.\nOther Information\n172\nItem 9C.\nItem 9C.\nDisclosure Regarding Foreign Jurisdictions that Prevent Inspections\n172\nPart III\nPart III\n \n \nItem 10.\nItem 10.\nDirectors, Executive Officers and Corporate Governance\n172\nItem 11.\nItem 11.\nExecutive Compensation\n173\nItem 12.\nItem 12.\nSecurity Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters\n174\nItem 13.\nItem 13.\nCertain Relationships and Related Transactions, and Director Independence\n174\nItem 14.\nItem 14.\nPrincipal Accounting Fees and Services\n174\nPart IV\nPart IV\n \n \nItem 15.\nItem 15.\nExhibits, Financial Statement Schedules\n175\nItem 16.\nItem 16.\nForm 10-K Summary\n178\n1\n1\n \nBank of America", "81742899-d69f-4030-a437-dc0ffc605675": "Part I\nBank of America Corporation and Subsidiaries\nItem 1. \nItem 1. \nBusiness\nBusiness\nBank of America Corporation is a Delaware corporation, a bank holding\ncompany (BHC) and a financial holding company. When used in this report,\n\u201cBank of America,\u201d \u201cthe Corporation,\u201d \u201cwe,\u201d \u201cus\u201d and \u201cour\u201d may refer to Bank of\nAmerica Corporation individually, Bank of America Corporation and its\nsubsidiaries, or certain of Bank of America Corporation\u2019s subsidiaries or\naffiliates. As part of our efforts to streamline the Corporation\u2019s organizational\nstructure and reduce complexity and costs, the Corporation has reduced and\nintends to continue to reduce the number of its corporate subsidiaries,\nincluding through intercompany mergers.\nBank of America is one of the world\u2019s largest financial institutions, serving\nindividual consumers, small- and middle-market businesses, institutional\ninvestors, large corporations and governments with a full range of banking,\ninvesting, asset management and other financial and risk management\nproducts and services. Our principal executive offices are located in the Bank\nof America Corporate Center, 100 North Tryon Street, Charlotte, North Carolina\n28255.\nBank of America\u2019s website is www.bankofamerica.com, and the Investor\nRelations portion of our website is https://investor.bankofamerica.com. We\nuse our website to distribute company information, including as a means of\ndisclosing material, non-public information and for complying with our\ndisclosure obligations under Regulation FD. We routinely post and make\naccessible financial and other information, including environmental, social\nand governance (ESG) information, regarding the Corporation on our website.\nInvestors should monitor our website, including the Investor Relations portion\nof our website, in addition to our press releases, U.S. Securities and\nExchange Commission (SEC) filings, public conference calls and webcasts.\nOur Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, Current\nReports on Form 8-K and amendments to those reports filed or furnished\npursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934\n(Exchange Act) are available on the Investor Relations portion of our website\nas soon as reasonably practicable after we electronically file such reports with,\nor furnish them to, the SEC and at the SEC\u2019s website, www.sec.gov.\nNotwithstanding the foregoing, the information contained on our website as\nreferenced in this paragraph, or otherwise in this Annual Report on Form 10-K,\nis not incorporated by reference into this Annual Report on Form 10-K. Also,\nwe make available on the Investor Relations portion of our website: (i) our\nCode of Conduct; (ii) our Corporate Governance Guidelines; and (iii) the\ncharter of each active committee of our Board of Directors (the Board). Our\nCode of Conduct constitutes a \u201ccode of ethics\u201d and a \u201ccode of business\nconduct and ethics\u201d that applies to the required individuals associated with the\nCorporation for purposes of the respective rules of the SEC and the New York\nStock Exchange. We also intend to disclose any amendments to our Code of\nConduct and waivers of our Code of Conduct required to be disclosed by the\nrules of the SEC and the New York Stock Exchange on the Investor Relations\nportion of our website. All of these corporate governance materials are also\navailable free of charge in print to shareholders who request them in writing to:\nBank of America Corporation, Attention: Office of the Corporate Secretary, Bank\nof America Corporate Center, 100 North Tryon Street, NC1-007-56-06,\nCharlotte, North Carolina 28255.\nSegments\nSegments\nThrough our various bank and nonbank subsidiaries throughout the U.S. and\nin international markets, we provide a diversified range of banking and\nnonbank financial services and products through four business segments:\nConsumer Banking\n,\n Global Wealth & Investment Management (GWIM)\n,\n Global\nBanking \nand\n Global Markets\n, with the remaining operations recorded in \nAll\nOther\n. Additional information related to our business segments and the\nproducts and services they provide is included in the information set forth on\npages 34 through 43 of Item 7. Management\u2019s Discussion and Analysis of\nFinancial Condition and Results of Operations (MD&A) and \nNote 23 \u2013\nBusiness Segment Information\n to the Consolidated Financial Statements.\nCompetition\nCompetition\nWe operate in a highly competitive environment.", "60cf66fc-b4ff-49f1-af39-c9c03a0eb482": "Segments\nSegments\nThrough our various bank and nonbank subsidiaries throughout the U.S. and\nin international markets, we provide a diversified range of banking and\nnonbank financial services and products through four business segments:\nConsumer Banking\n,\n Global Wealth & Investment Management (GWIM)\n,\n Global\nBanking \nand\n Global Markets\n, with the remaining operations recorded in \nAll\nOther\n. Additional information related to our business segments and the\nproducts and services they provide is included in the information set forth on\npages 34 through 43 of Item 7. Management\u2019s Discussion and Analysis of\nFinancial Condition and Results of Operations (MD&A) and \nNote 23 \u2013\nBusiness Segment Information\n to the Consolidated Financial Statements.\nCompetition\nCompetition\nWe operate in a highly competitive environment. Our competitors include\nbanks, thrifts, credit unions, investment banking firms, investment advisory\nfirms, brokerage firms, investment companies, insurance companies,\nmortgage banking companies, credit card issuers, mutual fund companies,\nhedge funds, private equity firms, and e-commerce and other internet-based\ncompanies, including merchant banks and companies providing nonbank\nfinancial services. We compete with some of these competitors globally and\nwith others on a regional or product-specific basis. We are increasingly\ncompeting with firms offering products solely over the internet and with\nnonfinancial companies, including firms utilizing emerging technologies, such\nas digital assets, rather than, or in addition to, traditional banking products.\nCompetition is based on a number of factors including, among others,\ncustomer service and convenience, the pricing, quality and range of products\nand services offered, lending limits, the quality and delivery of our technology\nand our reputation, experience and relationships in relevant markets. Our\nability to continue to compete effectively also depends in large part on our\nability to attract new employees and develop, retain and motivate our existing\nemployees, while managing compensation and other costs.\nHuman Capital Resources\nHuman Capital Resources\nWe strive to make Bank of America a great place to work for our employees.\nWe value our employees and seek to establish and maintain human resource\npolicies that are consistent with our core values and help to realize the power\nof our people. Our Board and its Compensation and Human Capital\nCommittee provide oversight of our human capital management strategies,\nprograms, initiatives and practices. The Corporation\u2019s senior management\nprovides regular briefings on human capital matters to the Board and its\nCommittees to facilitate the Board\u2019s oversight.\nAt December 31, 2023 and 2022, the Corporation employed approximately\n213,000 and 217,000 employees, of which 78 percent and 79 percent were\nlocated in the U.S. None of our U.S. employees are subject to a collective\nbargaining agreement. Additionally, in 2023 and 2022, the Corporation\u2019s\ncompensation and benefits expense was $38.3 billion and $36.4 billion, or 58\npercent and 59 percent, of total noninterest expense.\nBank of America \n2\n2", "d3a184c3-d103-4d54-a560-40a39a24b9f2": "Diversity and Inclusion\nDiversity and Inclusion\nThe Corporation\u2019s commitment to diversity and inclusion starts at the top with\noversight from our Board and Chief Executive Officer (CEO). The Chief Human\nResources Officer and Chief Diversity & Inclusion Officer partner with our CEO\nand senior management to drive our diversity and inclusion strategy,\nprograms, initiatives and policies. Our Global Diversity and Inclusion Council,\nwhich has been in place for over 20 years, is chaired by our CEO and consists\nof senior executives from every line of business and region. The Council\nsponsors and supports business, operating unit and regional diversity and\ninclusion councils to align diversity and inclusion strategies and aspirational\ngoals across the enterprise.\nOur practices and policies have resulted in strong representation across\nthe Corporation where our broad employee population mirrors the clients and\ncommunities we serve. Our Board and senior management team are 62\npercent and 55 percent racially, ethnically and gender diverse. The following\ntable presents diversity metrics for our global employees who self-identified\nas women and our U.S.-based employees who self-identified as people of\ncolor, including those who self-identified as Asian, Black/African American and\nHispanic/Latino. These workforce diversity metrics are reported regularly to the\nsenior management team and Board.\nDiversity Metrics as of December 31, 2023\nDiversity Metrics as of December 31, 2023\nTotal Employees\nTotal Employees\nTop Three\nTop Three\nManagement\nManagement\nLevels\nLevels\nManagers at All\nManagers at All\nLevels\nLevels\nGlobal employees\nWomen\n50 \n%\n41 \n%\n42 \n%\nU.S.-based employees\n People of color\n51 \n27 \n43 \nAsian\n14 \n11 \n14 \n Black/African American\n15 \n8 \n10 \nHispanic/Latino\n19 \n7 \n16 \nWe invest in our talent by offering a range of development programs and\nresources that are designed to allow all employees to develop and progress\nin their careers. We reinforce our commitment to diversity and inclusion by\ninvesting internally in our employee networks and by facilitating voluntary\nenterprise-wide learning and conversations about various diversity and\ninclusion topics. In addition, we have practices in place for attracting diverse\ntalent, including campus recruitment. For example, in 2023, 44 percent of our\nglobal campus hires were women and, in the U.S., 62 percent were people of\ncolor.\nEmployee Engagement and Talent Retention\nEmployee Engagement and Talent Retention\nAs part of our ongoing efforts to make the Corporation a great place to work,\nwe conduct a confidential annual Employee Engagement Survey (Survey) and\nhave done so for nearly two decades. The Survey results are reviewed by the\nBoard and senior management and used to assist in reviewing the\nCorporation\u2019s human capital strategies, programs, initiatives and practices. In\n2023, 88 percent of the Corporation\u2019s employees participated in the Survey,\nand our Employee Engagement Index, an overall measure of employee\nsatisfaction with the Corporation, was 87 percent. Our turnover among\nemployees was eight percent in 2023 and 13 percent in 2022.\nAdditionally, the Corporation provides a variety of resources to help\nemployees grow in their current roles and build new skills, including\nresources to help employees find new opportunities, re-skill and seek\nleadership positions. The learning and development strategy is grounded in\nthe\ndevelopment of horizontal skills delivered throughout the organization. Senior\nleaders, managers and teammates are onboarded and build both horizontal\nand role-specific skills, to help drive high performance. This approach also\nhelps facilitate internal mobility and promotion of talent to build a bench of\nqualified managers and leaders. In 2023, more than 5,000 employees found\nnew roles within the Corporation, and we delivered approximately 6.7 million\nhours of training and development to our teammates through Bank of America\nAcademy. Additionally, our Board oversees CEO and senior management\nsuccession planning, which is formally reviewed at least annually.\nFair and Equitable Compensation\nFair and Equitable Compensation\nOur compensation philosophy is to pay for performance over the long term, as\nwell as on an annual basis. Our performance considerations encompass both\nfinancial and nonfinancial measures, including the manner in which results\nare achieved. These considerations are designed to reinforce and promote\nour Responsible Growth strategy and maintain alignment with our Risk\nFramework.\nThe Corporation is committed to racial and gender pay equity and strives to\ncompensate all of our employees fairly and equitably.", "a5181c5b-c3c7-40a0-914d-13a13cf71251": "In 2023, more than 5,000 employees found\nnew roles within the Corporation, and we delivered approximately 6.7 million\nhours of training and development to our teammates through Bank of America\nAcademy. Additionally, our Board oversees CEO and senior management\nsuccession planning, which is formally reviewed at least annually.\nFair and Equitable Compensation\nFair and Equitable Compensation\nOur compensation philosophy is to pay for performance over the long term, as\nwell as on an annual basis. Our performance considerations encompass both\nfinancial and nonfinancial measures, including the manner in which results\nare achieved. These considerations are designed to reinforce and promote\nour Responsible Growth strategy and maintain alignment with our Risk\nFramework.\nThe Corporation is committed to racial and gender pay equity and strives to\ncompensate all of our employees fairly and equitably. We maintain robust\npolicies and practices that reinforce our commitment, including reviews\nconducted by a third-party consultant with oversight from our Board and senior\nmanagement. In 2023, our review showed that compensation received by\nwomen globally, on average, was greater than 99 percent of that received by\nmen in comparable positions. In the U.S., compensation received by people of\ncolor was, on average, greater than 99 percent of that received by teammates\nwho are not people of color in comparable positions.\nWe pay our employees fairly based on market rates for their roles,\nexperience and how they perform. We regularly benchmark against other\ncompanies both within and outside our industry to confirm our pay is\ncompetitive. In 2021, the Corporation announced it would increase its\nminimum hourly wage for U.S. employees to $25 per hour by 2025. In October\n2023, as a next step towards that goal, the Corporation increased its hourly\nminimum wage for U.S. employees to $23 per hour. In addition, in January\n2024, for the seventh year since 2017, we announced that we recognized our\nteammates with Sharing Success compensation awards for their efforts\nduring 2023. Approximately 97 percent of employees globally will receive an\naward in the first quarter of 2024.\nHealth and Wellness \u2013 2023 Focus\nHealth and Wellness \u2013 2023 Focus\nThe Corporation is also committed to providing employees with access to\nleading benefits and programs that help promote their physical, emotional and\nfinancial wellness. Investments we make in our teammates are designed to\nhelp them thrive, both at work and at home, enabling them to better deliver for\nour clients, communities and each other.\nWe continued our efforts to provide affordable access to healthcare,\nincluding offering no-cost, 24/7 access to virtual general medical and\nbehavioral health resources to help our enrolled U.S. teammates stay healthy.\nWe kept U.S. health insurance premiums unchanged for teammates earning\nless than $50,000 for the eleventh year in a row and had nominal premium\nincreases for teammates earning from $50,000 up to $100,000 for the seventh\nyear in a row. We provided in-network generic prescription medications at no\ncost for teammates enrolled in a U.S. bank medical PPO or Consumer Direct\nplan, and we continue to provide preventative care medications at no cost for\nall teammates enrolled in U.S. medical plans. We also\n3\n3\n \nBank of America", "59e0e934-c7f4-45de-815c-19bf0ea903e1": "continued to enhance access to care across the Corporation, through near-\nsite health centers, vaccination clinics and wellness screenings in many of our\nU.S. locations, as we believe primary and preventive care are important to our\nteammates\u2019 health and safety.\nWe offer an extensive benefit package and support work-life balance for our\nteammates, which includes in the U.S., 16 weeks of paid parental leave for\nboth primary and secondary caregivers and 50 days per year of child and adult\nbackup dependent care. Globally, teammates and members of their\nhouseholds can utilize our Employee Assistance Program for 12 free, in-\nperson confidential counseling sessions, and unlimited phone consultations.\nBeginning in 2023, teammates celebrating at least 15 years of continuous\nservice with the Corporation may participate in its global Sabbatical Program.\nFor more information about our human capital management, see the\nCorporation\u2019s website and 2023 Annual Report to shareholders that we expect\nto be available on the Investor Relations portion of our website in March 2024\n(the content of which is not incorporated by reference into this Annual Report\non Form 10-K).\nGovernment Supervision and Regulation\nGovernment Supervision and Regulation\nThe following discussion describes, among other things, elements of an\nextensive regulatory framework applicable to BHCs, financial holding\ncompanies, banks and broker-dealers, including specific information about\nBank of America.\nWe are subject to an extensive regulatory framework applicable to BHCs,\nfinancial holding companies and banks and other financial services entities.\nU.S. federal regulation of banks, BHCs and financial holding companies is\nintended primarily for the protection of depositors and the Deposit Insurance\nFund (DIF) rather than for the protection of shareholders and creditors.\nAs a registered financial holding company and BHC, the Corporation is\nsubject to the supervision of, and regular inspection by, the Board of\nGovernors of the Federal Reserve System (Federal Reserve). Our U.S. bank\nsubsidiaries (the Banks), organized as national banking associations, are\nsubject to regulation, supervision and examination by the Office of the\nComptroller of the Currency (OCC), the Federal Deposit Insurance Corporation\n(FDIC) and the Federal Reserve. In addition, the Federal Reserve and the OCC\nhave adopted guidelines that establish minimum standards for the design,\nimplementation and board oversight of BHCs\u2019 and national banks\u2019 risk\ngovernance frameworks. U.S. financial holding companies, and the\ncompanies under their control, are permitted to engage in activities\nconsidered \u201cfinancial in nature\u201d as defined by the Gramm-Leach-Bliley Act and\nrelated Federal Reserve interpretations. The Corporation's status as a\nfinancial holding company is conditioned upon maintaining certain eligibility\nrequirements for both the Corporation and its U.S. depository institution\nsubsidiaries, including minimum capital ratios, supervisory ratings and, in the\ncase of the depository institutions, at least satisfactory Community\nReinvestment Act ratings. Failure to be an eligible financial holding company\ncould result in the Federal Reserve limiting Bank of America's activities,\nincluding potential acquisitions. Additionally, we are subject to a significant\nnumber of laws, rules and regulations that govern our businesses in the U.S.\nand in the other jurisdictions in which we operate, including permissible\nactivities, minimum levels of capital and liquidity, compliance risk\nmanagement, consumer products and sales practices, privacy, data protection\nand executive compensation, among others.\nThe scope of the laws and regulations and the intensity of the supervision\nto which we are subject have increased over the past several years, beginning\nwith the response to the 2008 financial crisis, as well as other factors such as\ntechnological and market changes. In addition, the banking and financial\nservices sector is subject to substantial regulatory enforcement and fines.\nMany of these changes have occurred as a result of the 2010 Dodd-Frank Wall\nStreet Reform and Consumer Protection Act (the Financial Reform Act). We\ncannot assess whether or not there will be any additional major changes in\nthe regulatory environment and expect that our business will remain subject to\ncontinuing and extensive regulation and supervision.\nWe are also subject to various other laws and regulations, as well as\nsupervision and examination by other regulatory agencies, all of which directly\nor indirectly affect our entities, management and ability to make distributions to\nshareholders. For instance, our broker-dealer subsidiaries are subject to both\nU.S. and international regulation, including supervision by the SEC, Financial\nIndustry Regulatory Authority and New York Stock Exchange, among others;\nour futures commission merchant subsidiary supporting commodities and\nderivatives businesses in the U.S. is subject to regulation by and supervision\nof the U.S.", "d933f8db-0518-40bb-afef-44d831e0afdd": "Many of these changes have occurred as a result of the 2010 Dodd-Frank Wall\nStreet Reform and Consumer Protection Act (the Financial Reform Act). We\ncannot assess whether or not there will be any additional major changes in\nthe regulatory environment and expect that our business will remain subject to\ncontinuing and extensive regulation and supervision.\nWe are also subject to various other laws and regulations, as well as\nsupervision and examination by other regulatory agencies, all of which directly\nor indirectly affect our entities, management and ability to make distributions to\nshareholders. For instance, our broker-dealer subsidiaries are subject to both\nU.S. and international regulation, including supervision by the SEC, Financial\nIndustry Regulatory Authority and New York Stock Exchange, among others;\nour futures commission merchant subsidiary supporting commodities and\nderivatives businesses in the U.S. is subject to regulation by and supervision\nof the U.S. Commodity Futures Trading Commission (CFTC), National Futures\nAssociation, the Chicago Mercantile Exchange, and in the case of the Banks,\ncertain banking regulators; our insurance activities are subject to licensing\nand regulation by state insurance regulatory agencies; and our consumer\nfinancial products and services are regulated by the Consumer Financial\nProtection Bureau (CFPB). In addition, certain U.S. and foreign subsidiaries\nare also registered with the CFTC as swap dealers, and conditionally\nregistered with the SEC as security-based swap dealers.\nOur non-U.S. businesses are also subject to extensive regulation by\nvarious non-U.S. regulators, including governments, securities exchanges,\nprudential regulators, central banks and other regulatory bodies, in the\njurisdictions in which those businesses operate. For example, our financial\nservices entities in the United Kingdom (U.K.), Ireland and France are subject\nto regulation by the Prudential Regulatory Authority and Financial Conduct\nAuthority, the European Central Bank and Central Bank of Ireland, and the\nAutorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution and Autorit\u00e9 des March\u00e9s\nFinanciers, respectively.\nThe Corporation is also subject to extensive laws, rules and regulations in\nthe U.S. and in the other jurisdictions in which it operates regarding bribery\nand corruption, know-your-customer requirements, anti-money laundering,\nembargo programs and economic sanctions. For example, we are subject to\nthe U.S. Bank Secrecy Act (BSA), which contains anti-money laundering and\nfinancial transparency laws designed to detect and deter money laundering\nand the financing of terrorism, as well as record-keeping, reporting, due\ndiligence and customer verification requirements, various sanctions programs\nadministered and enforced by the U.S. Department of the Treasury\u2019s Office of\nForeign Assets Control (OFAC) and foreign jurisdictions, which target entities\nor individuals that are, or are located in countries that are, involved in activities,\nsuch as terrorism, hostilities, drug trafficking or human rights violations and\nthe U.S. Foreign Corrupt Practices Act (FCPA) and the U.K. Bribery Act, relating\nto corrupt and illegal payments to government officials and others.\nSource of Strength\nSource of Strength\nUnder the Financial Reform Act and Federal Reserve policy, BHCs are\nexpected to act as a source of financial strength to\nBank of America \n4\n4", "784a147c-f47b-4ad8-97b5-45004b12aef9": "each subsidiary bank and to commit resources to support each such\nsubsidiary. Similarly, under the cross-guarantee provisions of the Federal\nDeposit Insurance Corporation Improvement Act of 1991 (FDICIA), in the event\nof a loss suffered or anticipated by the FDIC, either as a result of default of a\nbank subsidiary or related to FDIC assistance provided to such a subsidiary in\ndanger of default, the affiliate banks of such a subsidiary may be assessed for\nthe FDIC\u2019s loss, subject to certain exceptions.\nTransactions with Affiliates\nTransactions with Affiliates\nPursuant to Section 23A and 23B of the Federal Reserve Act, as implemented\nby the Federal Reserve\u2019s Regulation W, the Banks are subject to restrictions\nthat limit certain types of transactions between the Banks and their nonbank\naffiliates. In general, U.S. banks are subject to quantitative and qualitative\nlimits on extensions of credit, purchases of assets and certain other\ntransactions involving their nonbank affiliates. Additionally, transactions\nbetween U.S. banks and their nonbank affiliates are required to be on arm\u2019s\nlength terms and must be consistent with standards of safety and soundness.\nDeposit Insurance\nDeposit Insurance\nDeposits placed at U.S. domiciled banks are insured by the FDIC, subject to\nlimits and conditions of applicable law and the FDIC\u2019s regulations. Pursuant to\nthe Financial Reform Act, FDIC insurance coverage limits are $250,000 per\ndepositor, per insured bank for each account ownership category. All insured\ndepository institutions are required to pay assessments to the FDIC in order to\nfund the DIF.\nThe FDIC is required to maintain a statutory minimum ratio of the DIF to\ninsured deposits in the U.S. of at least 1.35 percent and has established a\nlong-term goal of a two percent DIF ratio. As of the date of this report, the DIF is\nbelow the statutory minimum ratio and the FDIC\u2019s long-term goal. In October\n2022, the FDIC adopted a restoration plan that includes an increase in deposit\ninsurance assessments across the industry of two basis points (bps). The\nFDIC has indicated that it intends to maintain such assessment rates for the\nforeseeable future. Deposit insurance assessment rates are subject to\nchange by the FDIC and will be impacted by the overall economy and the\nstability of the banking industry as a whole. The FDIC also has the authority to\ncharge special assessments from time to time, including in connection with\nsystemic risk events. For example, on November 16, 2023, the FDIC issued its\nfinal rule to impose a special assessment to recover the loss to the DIF\nresulting from the closure of Silicon Valley Bank and Signature Bank. For more\ninformation on the impact to the Corporation of the FDIC special assessment,\nsee Executive Summary \u2013 Recent Developments in the MD&A on page 26. For\nmore information regarding deposit insurance, see Item 1A. Risk Factors \u2013\nRegulatory, Compliance and Legal on page 17.\nCapital, Liquidity and Operational Requirements\nCapital, Liquidity and Operational Requirements\nAs a financial holding company, we and our bank subsidiaries are subject to\nthe regulatory capital and liquidity rules issued by the Federal Reserve and\nother U.S. banking regulators, including the OCC and the FDIC. These rules\nare complex and are evolving as U.S. and international regulatory authorities\npropose and enact amendments to these rules. The Corporation seeks to\nmanage its capital position to maintain sufficient capital to satisfy these\nregulatory rules and to support our business activities. These continually\nevolving rules are likely to influence our planning processes and may require\nadditional regulatory capital and liquidity, as well as impose additional\noperational and compliance costs on the Corporation.\nFor more information on regulatory capital rules, capital composition and\npending or proposed regulatory capital changes, see Capital Management on\npage 47 and \nNote 16 \u2013 Regulatory Requirements and Restrictions\n to the\nConsolidated Financial Statements, which are incorporated by reference in\nthis Item 1.\nDistributions\nDistributions\nWe are subject to various regulatory policies and requirements relating to\ncapital actions, including payment of dividends and common stock\nrepurchases. For instance, Federal Reserve regulations require major U.S.\nBHCs to submit a capital plan as part of an annual Comprehensive Capital\nAnalysis and Review (CCAR).\nOur ability to pay dividends and make common stock repurchases\ndepends in part on our ability to maintain regulatory capital levels above\nminimum requirements plus buffers and non-capital standards established\nunder the FDICIA.", "bf24dbe4-f9f7-4bcc-acdc-56ee54ea25f9": "For more information on regulatory capital rules, capital composition and\npending or proposed regulatory capital changes, see Capital Management on\npage 47 and \nNote 16 \u2013 Regulatory Requirements and Restrictions\n to the\nConsolidated Financial Statements, which are incorporated by reference in\nthis Item 1.\nDistributions\nDistributions\nWe are subject to various regulatory policies and requirements relating to\ncapital actions, including payment of dividends and common stock\nrepurchases. For instance, Federal Reserve regulations require major U.S.\nBHCs to submit a capital plan as part of an annual Comprehensive Capital\nAnalysis and Review (CCAR).\nOur ability to pay dividends and make common stock repurchases\ndepends in part on our ability to maintain regulatory capital levels above\nminimum requirements plus buffers and non-capital standards established\nunder the FDICIA. To the extent that the Federal Reserve increases our stress\ncapital buffer (SCB), global systemically important bank (G-SIB) surcharge or\ncountercyclical capital buffer, our returns of capital to shareholders, including\ndividends and common stock repurchases, could decrease. As part of its\nCCAR, the Federal Reserve conducts stress testing on parts of our business\nusing hypothetical economic scenarios prepared by the Federal Reserve.\nThose scenarios may affect our CCAR stress test results, which may impact\nthe level of our SCB. For example, based on the results of our 2023 CCAR\nstress test, the Corporation\u2019s SCB decreased to 2.5 percent. Additionally, the\nCorporation\u2019s G-SIB surcharge increased to 3.0 percent on January 1, 2024.\nThe Federal Reserve could also impose limitations or prohibitions on taking\ncapital actions such as paying or increasing dividends or repurchasing\ncommon stock. For example, as a result of the economic uncertainty resulting\nfrom the COVID-19 pandemic, in the second half of 2020, the Federal Reserve\nintroduced certain limitations to capital distributions for all large banks,\nincluding the Corporation, which were removed effective July 1, 2021.\nIf the Federal Reserve finds that any of our Banks are not \u201cwell-capitalized\u201d\nor \u201cwell-managed,\u201d we would be required to enter into an agreement with the\nFederal Reserve to comply with all applicable capital and management\nrequirements, which may contain additional limitations or conditions relating\nto our activities. Additionally, the applicable federal regulatory authority is\nauthorized to determine, under certain circumstances relating to the financial\ncondition of a bank or BHC, that the payment of dividends would be an unsafe\nor unsound practice and to prohibit payment thereof.\nMany of our subsidiaries, including our bank and broker-dealer\nsubsidiaries, are subject to laws that restrict dividend payments, or authorize\nregulatory bodies to block or reduce the flow of funds from those subsidiaries\nto the parent company or other subsidiaries. The rights of the Corporation, our\nshareholders and our creditors to participate in any distribution of the assets\nor earnings of our subsidiaries are further subject to the prior claims of\ncreditors of the respective subsidiaries.\nFor more information regarding distributions, including the minimum capital\nrequirements, see \nNote 13 \u2013 Shareholders\u2019 Equity\n and \nNote 16 \u2013 Regulatory\nRequirements and Restrictions\n to the Consolidated Financial Statements.\n5\n5\n \nBank of America", "fe14c9c0-548c-4a57-93d5-a98a9dcdf35b": "Resolution Planning\nResolution Planning\nAs a BHC with greater than $250 billion of assets, the Corporation is required\nby the Federal Reserve and the FDIC to periodically submit a plan for a rapid\nand orderly resolution in the event of material financial distress or failure.\nSuch resolution plan is intended to be a detailed roadmap for the orderly\nresolution of the BHC, including the continued operations or solvent wind\ndown of its material entities, pursuant to the U.S. Bankruptcy Code under one\nor more hypothetical scenarios assuming no extraordinary government\nassistance.\nIf both the Federal Reserve and the FDIC determine that the BHC\u2019s plan is\nnot credible, the Federal Reserve and the FDIC may jointly impose more\nstringent capital, leverage or liquidity requirements or restrictions on growth,\nactivities or operations. A summary of our plan is available on the Federal\nReserve and FDIC websites.\nThe FDIC also requires the submission of a resolution plan for Bank of\nAmerica, National Association, which must describe how the insured\ndepository institution would be resolved under the bank resolution provisions\nof the Federal Deposit Insurance Act. A description of this plan is available on\nthe FDIC\u2019s website.\nWe continue to make substantial progress to enhance our resolvability,\nwhich includes continued improvements to our preparedness capabilities to\nimplement our resolution plan, both from a financial and operational\nstandpoint.\nAcross international jurisdictions, resolution planning is the responsibility\nof national resolution authorities (RA) and central resolution authorities (CA).\nAmong those, the jurisdictions with the greatest impact to the Corporation\u2019s\nsubsidiaries are the U.K., Ireland and France, where rules have been issued\nrequiring the submission of significant information about locally incorporated\nsubsidiaries as well as the Corporation\u2019s banking branches located in those\njurisdictions that are deemed to be material for resolution planning purposes.\nAs a result of the RA\u2019s and CA's review of the submitted information, we could\nbe required to take certain actions over the next several years that could\nincrease operating costs and potentially result in the restructuring of certain\nbusinesses and subsidiaries.\nFor more information regarding our resolution plan, see Item 1A. Risk\nFactors \u2013 Liquidity on page 9.\nInsolvency and the Orderly Liquidation Authority\nInsolvency and the Orderly Liquidation Authority\nUnder the Federal Deposit Insurance Act, the FDIC may be appointed receiver\nof an insured depository institution if it is insolvent or in certain other\ncircumstances. In addition, under the Financial Reform Act, when a\nsystemically important financial institution (SIFI) such as the Corporation is in\ndefault or danger of default, the FDIC may be appointed receiver in order to\nconduct an orderly liquidation of such institution. In the event of such\nappointment, the FDIC could, among other things, invoke the orderly\nliquidation authority, instead of the U.S. Bankruptcy Code, if the Secretary of the\nTreasury makes certain financial distress and systemic risk determinations.\nThe orderly liquidation authority is modeled in part on the Federal Deposit\nInsurance Act, but also adopts certain concepts from the U.S. Bankruptcy\nCode.\nThe orderly liquidation authority contains certain differences from the U.S.\nBankruptcy Code. For example, in certain circumstances, the FDIC could\npermit payment of obligations it determines to be systemically significant (e.g.,\nshort-term creditors or operating creditors) in lieu of paying other obligations\n(e.g., long-term creditors) without the need to obtain creditors\u2019 consent or prior\ncourt review. The insolvency and resolution process could also lead to a large\nreduction or total\nelimination of the value of a BHC\u2019s outstanding equity, as well as impairment\nor elimination of certain debt.\nUnder the FDIC\u2019s \u201csingle point of entry\u201d strategy for resolving SIFIs, the\nFDIC could replace a distressed BHC with a bridge holding company, which\ncould continue operations and result in an orderly resolution of the underlying\nbank, but whose equity is held solely for the benefit of creditors of the original\nBHC.\nFurthermore, the Federal Reserve requires that BHCs maintain minimum\nlevels of long-term debt required to provide adequate loss absorbing capacity\nin the event of a resolution.\nFor more information regarding our resolution, see Item 1A. Risk Factors \u2013\nLiquidity on page 9.", "b75ab35c-641c-410d-a95b-c100a0cc3e05": "The insolvency and resolution process could also lead to a large\nreduction or total\nelimination of the value of a BHC\u2019s outstanding equity, as well as impairment\nor elimination of certain debt.\nUnder the FDIC\u2019s \u201csingle point of entry\u201d strategy for resolving SIFIs, the\nFDIC could replace a distressed BHC with a bridge holding company, which\ncould continue operations and result in an orderly resolution of the underlying\nbank, but whose equity is held solely for the benefit of creditors of the original\nBHC.\nFurthermore, the Federal Reserve requires that BHCs maintain minimum\nlevels of long-term debt required to provide adequate loss absorbing capacity\nin the event of a resolution.\nFor more information regarding our resolution, see Item 1A. Risk Factors \u2013\nLiquidity on page 9.\nLimitations on Acquisitions\nLimitations on Acquisitions\nThe Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994\npermits a BHC to acquire banks located in states other than its home state\nwithout regard to state law, subject to certain conditions, including the\ncondition that the BHC, after and as a result of the acquisition, controls no\nmore than 10 percent of the total amount of deposits of insured depository\ninstitutions in the U.S. and no more than 30 percent or such lesser or greater\namount set by state law of such deposits in that state. At June 30, 2023, we\nheld greater than 10 percent of the total amount of deposits of insured\ndepository institutions in the U.S.\nIn addition, the Financial Reform Act restricts acquisitions by a financial\ninstitution if, as a result of the acquisition, the total liabilities of the financial\ninstitution would exceed 10 percent of the total liabilities of all financial\ninstitutions in the U.S. At June 30, 2023, our liabilities did not exceed 10\npercent of the total liabilities of all financial institutions in the U.S.\nThe Volcker Rule\nThe Volcker Rule\nThe Volcker Rule prohibits insured depository institutions and companies\naffiliated with insured depository institutions (collectively, banking entities)\nfrom engaging in short-term proprietary trading of certain securities,\nderivatives, commodity futures and options for their own account. The Volcker\nRule also imposes limits on banking entities\u2019 investments in, and other\nrelationships with, hedge funds and private equity funds. The Volcker Rule\nprovides exemptions for certain activities, including market making,\nunderwriting, hedging, trading in government obligations, insurance company\nactivities and organizing and offering hedge funds and private equity funds.\nThe Volcker Rule also clarifies that certain activities are not prohibited,\nincluding acting as agent, broker or custodian. A banking entity with significant\ntrading operations, such as the Corporation, is required to maintain a detailed\ncompliance program to comply with the restrictions of the Volcker Rule.\nDerivatives\nDerivatives\nOur derivatives businesses are subject to extensive regulation globally,\nincluding under the Financial Reform Act, the European Union (EU) Markets in\nFinancial Instruments Directive and Regulation, the European Market\nInfrastructure Regulation, analogous U.K. regulatory regimes and similar\nregulatory regimes in other jurisdictions. These regulations, among other\nthings, require clearing and exchange trading of certain derivatives, establish\ncapital, margin, reporting, registration and business conduct requirements for\ncertain market participants, set position limits on certain derivatives and set\nout derivatives trading transparency requirements.\nIn addition, many G-20 jurisdictions, including the U.S., EU, U.K., and\nJapan, have adopted resolution stay regulations to address concerns that the\nclose-out of derivatives and other\nBank of America \n6\n6", "1e4c73cb-138f-4d1f-8b0c-a1ae49a6a7ce": "financial contracts could impede orderly resolution of G-SIBs, and additional\njurisdictions are expected to follow suit. Generally, these regulations require\namendment of certain financial contracts to provide for contractual recognition\nof stays of termination rights under various statutory resolution regimes and a\nstay on the exercise of cross-default rights based on an affiliate\u2019s entry into\ninsolvency proceedings. Resolution regulations may also require contractual\nrecognition by the counterparty that amounts owed to them may be written\ndown or converted into equity as part of a bail in. As resolution stay regulations\nof a particular jurisdiction applicable to us go into effect, we amend impacted\nfinancial contracts in compliance with such regulations either as a regulated\nentity or as a counterparty facing a regulated entity in such jurisdiction.\nConsumer Regulations\nConsumer Regulations\nOur consumer businesses are subject to extensive regulation and oversight\nby federal and state regulators. Certain federal consumer finance laws to\nwhich we are subject, including the Equal Credit Opportunity Act, Home\nMortgage Disclosure Act, Fair Housing Act, Electronic Fund Transfer Act\n(EFTA), Fair Credit Reporting Act, Real Estate Settlement Procedures Act,\nprohibitions on unfair, deceptive, or abusive acts or practices, Truth in Lending\nAct and Truth in Savings Act, are enforced by the CFPB. Other federal\nconsumer finance laws, such as the Servicemembers Civil Relief Act, are\nenforced by the OCC.\nPrivacy and Information Security\nPrivacy and Information Security\nWe are subject to many U.S. federal, state and international laws and\nregulations governing requirements for maintaining policies and procedures\nregarding the collection, disclosure, use and protection of the non-public\nconfidential information of our customers and employees. The Gramm-Leach-\nBliley Act requires us to periodically disclose Bank of America\u2019s privacy\npolicies and practices relating to sharing such information and enables retail\ncustomers to opt out of our ability to share information with unaffiliated third\nparties, under certain circumstances. The Gramm-Leach-Bliley \nAct \nand \nother\nlaws \nalso \nrequire \nus \nto\nimplement a comprehensive information security program that includes\nadministrative, technical and physical safeguards to provide the security and\nconfidentiality of customer records and information. Security and privacy\npolicies and procedures for the protection of personal and confidential\ninformation are in effect across all businesses and geographic locations.\nOther laws and regulations, at the international, federal and state level,\nimpact our ability to share certain information with affiliates and non-affiliates\nfor marketing and/or non-marketing purposes, or contact customers with\nmarketing offers and establish certain rights of consumers in connection with\ntheir personal information. For example, California\u2019s Consumer Privacy Act\n(CCPA), as modified by the California Privacy Rights Act (CPRA), provides\nconsumers with the \nright to know what personal data is being collected, know\nwhether their personal data is sold or disclosed and to whom and opt out of\nthe sale of their personal data, among other rights. In addition\n, in the EU and\nother countries around the world, similar laws, like the General Data\nProtection Regulation (\nGDPR), \nafford those countries\u2019 residents with certain\nrights related to their information and may impose additional obligations on\nfinancial institutions. These laws\u2019 impact on the Corporation was assessed\nand addressed through comprehensive compliance implementation\nprograms. These existing and evolving legal requirements in the U.S. and\nabroad, as well as court proceedings and changing guidance from regulatory\nbodies, including the validity of cross-border data transfer mechanisms from\nthe EU and other jurisdictions, continue to lend uncertainty to privacy\ncompliance globally.\nAdditionally, the Corporation is subject to evolving information security\n(including cybersecurity) laws, rules and regulations enacted by U.S. federal\nand state governments and non-U.S. jurisdictions, including requirements to\ndevelop cybersecurity programs, policies and frameworks, as well as provide\ndisclosure and/or notifications of certain cybersecurity incidents and data\nbreaches.\n7\n7\n \nBank of America", "279f5482-e15e-49bb-892c-02a988e3b140": "Item 1A. \nItem 1A. \nRisk Factors\nRisk Factors\nThe discussion below addresses our material risk factors of which we are\naware. Any risk factor, either by itself or together with other risk factors, could\nmaterially and adversely affect our businesses, results of operations, cash\nflows and/or financial condition. References to third parties may include\nsuppliers, service providers, counterparties, financial market utilities,\nexchanges and clearing houses, data aggregators and other partners and\ntheir upstream and downstream service providers (e.g., fourth parties, fifth\nparties) who may also contribute to our risks. Other factors not currently known\nto us or that we currently deem immaterial could also adversely affect our\nbusinesses, results of operations, cash flows and/or financial condition.\nTherefore, the risk factors below should not be considered all of the potential\nrisks that we may face. For more information on how we manage risks, see\nManaging Risk in the MD&A beginning on page 44. For more information\nabout the risks contained in this section, see Item 1. Business beginning on\npage 2, MD&A beginning on page 25 and Notes to Consolidated Financial\nStatements beginning on page 94.\nMarket\nMarket\nWe may be adversely affected by the financial markets, fiscal,\nWe may be adversely affected by the financial markets, fiscal,\nmonetary, and regulatory policies, and economic conditions.\nmonetary, and regulatory policies, and economic conditions.\nGeneral economic, political, social and health conditions in the U.S. and\nabroad affect financial markets and our business. In particular, global markets\nmay be affected by the level and volatility of interest rates, availability and\nmarket conditions of financing, changes in gross domestic product (GDP),\neconomic growth or its sustainability, inflation, supply chain disruptions,\nconsumer spending, employment levels, labor shortages, challenging labor\nmarket conditions, wage stagnation, federal government shutdowns, energy\nprices, home prices, commercial property values, bankruptcies and a default\nby a significant market participant or class of counterparties, including\ncompanies in emerging markets. Global markets also may be affected by\nadverse developments impacting the U.S. or global banking industry, including\nbank failures and liquidity concerns, fluctuations or other significant changes\nin both debt and equity capital markets and currencies, the transition of\nbenchmark rates, including the Bloomberg Short-Term Bank Yield Index\n(BSBY), to alternative reference rates (ARRs), the impact of the volatility of\ndigital assets on the broader market, the rate of growth of global trade and\ncommerce, trade policies, the availability and cost of capital and credit,\ndisruption of communication, transportation or energy infrastructure,\nrecessionary fears, investor sentiment and the U.S. and global election cycles,\nincluding resulting changes to policy and the geopolitical environment. Global\nmarkets, including energy and commodity markets, may also be adversely\naffected by the current or anticipated impact of climate change, acute and/or\nchronic extreme weather events or natural disasters, the emergence or\ncontinuation of widespread health emergencies or pandemics, cyberattacks,\nmilitary conflict, terrorism, or other geopolitical events. Market fluctuations may\nimpact our margin requirements and affect our liquidity. Any sudden or\nprolonged market downturn, as a result of the above factors or otherwise,\ncould result in a decline in net interest income and noninterest income and\nadversely affect our results of operations and financial condition, including\ncapital and liquidity levels. Elevated inflation and interest rate levels, monetary\ntightening by central banks, and geopolitical developments, including the\nRussia/Ukraine conflict and the conflict in the Middle East, have adversely\nimpacted and may continue to adversely impact\nfinancial markets and macroeconomic conditions and could result in\nadditional market volatility and disruptions.\nGlobal uncertainties regarding fiscal and monetary policies present\neconomic challenges. Actions taken by the Federal Reserve or central banks\nin other jurisdictions, including changes in target rates, balance sheet\nmanagement and lending facilities, are beyond our control and difficult to\npredict, particularly in an elevated inflation environment. This can affect interest\nrates and the value of financial instruments and other assets, such as debt\nsecurities, and impact our borrowers and potentially increase delinquency\nrates and may also raise government debt levels, adversely affect businesses\nand household incomes, adversely impact the banking sector generally, and\nincrease uncertainty surrounding monetary policy. Monetary policy in response\nto high inflation has led to a significant increase in market interest rates and a\nflattening and/or inversion of the yield curve. This has resulted in and may\ncontinue to result in volatility of equity and other markets, further volatility of the\nU.S.", "a7baf649-867d-43ed-91d3-3b34e3e65dd2": "Global uncertainties regarding fiscal and monetary policies present\neconomic challenges. Actions taken by the Federal Reserve or central banks\nin other jurisdictions, including changes in target rates, balance sheet\nmanagement and lending facilities, are beyond our control and difficult to\npredict, particularly in an elevated inflation environment. This can affect interest\nrates and the value of financial instruments and other assets, such as debt\nsecurities, and impact our borrowers and potentially increase delinquency\nrates and may also raise government debt levels, adversely affect businesses\nand household incomes, adversely impact the banking sector generally, and\nincrease uncertainty surrounding monetary policy. Monetary policy in response\nto high inflation has led to a significant increase in market interest rates and a\nflattening and/or inversion of the yield curve. This has resulted in and may\ncontinue to result in volatility of equity and other markets, further volatility of the\nU.S. dollar, a widening in credit spreads and higher interest rates and\nrecessionary concerns, and could result in elevated unemployment, which\ncould impact investor risk appetite and our borrowers, potentially increasing\ndelinquency rates. Financial market volatility could also result from uncertainty\nabout the timing and extent of rate cuts by the Federal Reserve in response to\nmoderating inflation and/or weakening economic conditions. Elevated inflation\nmay limit the scope of monetary support, including cuts to the federal funds\nrate, in the event of an economic downturn, resulting in a more protracted\nperiod of a flat and/or inverted yield curve.\nAny future change in monetary policy by the Federal Reserve, in an effort to\nstimulate the economy or otherwise, resulting in lower interest rates would\nlikely result in lower revenue through lower net interest income, which could\nadversely affect our results of operations. Additionally, changes to existing U.S.\nlaws and regulatory policies and evolving priorities, including those related to\nfinancial regulation, taxation, international trade, fiscal policy, climate change\n(including efforts to transition to a low-carbon economy) and healthcare, may\nadversely impact U.S. or global economic activity and our customers', our\ncounterparties' and our earnings and operations. Globally, many central banks\nhave simultaneously reduced monetary accommodation through interest rate\nor balance sheet policy, which has contributed and may continue to contribute\nto elevated financial and capital market volatility and significant changes to\nasset values. While higher interest rates have positively impacted our net\ninterest income, higher interest rates have negatively impacted and could\ncontinue to negatively impact investment securities, deposits, loan demand\nand funding costs. In addition to higher interest rates, wider credit spreads can\nnegatively impact capital by reducing the value of debt securities. High and\nrising federal debt levels and uncertainty about the U.S. budget process could\nlead to higher interest rates and financial market volatility, potentially impacting\nbroader economic activity. Further, if the U.S. government\u2019s debt ceiling limit is\nnot raised in January 2025, the ramifications could result in market volatility,\nratings downgrades and limit fiscal policy responses to recessionary\nconditions. This could have a negative and potentially severe impact on the\nU.S. and world economy and financial and capital markets, including higher\ninterest rates, higher volatility, lower asset values, lower liquidity, downgrades\nto U.S. debt, and a weakened U.S. dollar.\nChanges to international trade and investment policies by the U.S. could\nnegatively impact financial markets. Escalation of tensions between the U.S.\nand the People\u2019s Republic of China\nBank of America \n8\n8", "40856102-7465-47f1-9550-4200ec4d4137": "(China) could lead to further U.S. measures that adversely affect financial\nmarkets, disrupt world trade and commerce and lead to trade retaliation,\nincluding through the use of tariffs, foreign exchange measures or the large-\nscale sale of U.S. Treasury bonds. Any restrictions on the activities of\nbusinesses, could also negatively affect financial markets.\nThese developments could adversely affect our businesses, customers,\nsecurities and derivatives portfolios, including the risk of lower re-investment\nrates within those portfolios, our level of charge-offs and provision for credit\nlosses, the carrying value of our deferred tax assets, our capital levels, our\nliquidity and our results of operations.\nIncreased market volatility and adverse changes in financial or capital\nIncreased market volatility and adverse changes in financial or capital\nmarket conditions may increase our market risk.\nmarket conditions may increase our market risk.\nOur liquidity, competitive position, business, results of operations and\nfinancial condition are affected by market risks such as changes in interest\nand currency exchange rates, fluctuations in equity, commodity and futures\nprices, trading volumes and prices of securitized products, the implied volatility\nof interest rates and credit spreads and other economic and business factors.\nThese market risks may adversely affect, among other things, the value of our\nsecurities, including our on- and off-balance sheet securities, trading assets\nand other financial instruments, the cost of debt capital and our access to\ncredit markets, the value of assets under management (AUM), fee income\nrelating to AUM, customer allocation of capital among investment alternatives,\nthe volume of client activity in our trading operations, investment banking,\nunderwriting and other capital market fees, which have already been negatively\nimpacted, the general profitability and risk level of the transactions in which we\nengage and our competitiveness with respect to deposit pricing. The value of\ncertain of our assets is sensitive to changes in market interest rates. If the\nFederal Reserve or a non-U.S. central bank changes or signals a change in\nmonetary policy, market interest rates or credit spreads could be affected,\nwhich could adversely impact the value of such assets. Changes to fiscal\npolicy, including expansion of U.S. federal deficit spending and resultant debt\nissuance, could also affect market interest rates. If interest rates decrease, our\nresults of operations could be negatively impacted, including future revenue\nand earnings growth.\nOur models and strategies to assess and control our market risk\nexposures are subject to inherent limitations. In times of market stress or\nother unforeseen circumstances, previously uncorrelated indicators may\nbecome correlated. Such changes to the relationship between market\nparameters may limit the effectiveness of our hedging strategies and cause\nus to incur significant losses. Changes in correlation can be exacerbated\nwhere market participants use risk or trading models with assumptions or\nalgorithms similar to ours. In these and other cases, it may be difficult to\nreduce our risk positions due to activity of other market participants or\nwidespread market dislocations, including circumstances where asset values\nare declining significantly or no market exists. Where we own securities that\ndo not have an established liquid trading market or are otherwise subject to\nrestrictions on sale or hedging, or where the degree of accessible liquidity\ndeclines significantly, we may not be able to reduce our positions and risks\nassociated with such holdings, so we may suffer larger than expected losses\nwhen adverse price movements take place. This risk can be exacerbated\nwhere we hold a position that is large relative to the available liquidity.\nIf asset values decline, we may incur losses and negative impacts to\nIf asset values decline, we may incur losses and negative impacts to\ncapital and liquidity requirements.\ncapital and liquidity requirements.\nWe have a large portfolio of financial instruments, including loans and loan\ncommitments, securities financing agreements, asset-backed secured\nfinancings, derivative assets and liabilities, debt securities, marketable equity\nsecurities and certain other assets and liabilities that we measure at fair value\nand are subject to valuation and impairment assessments. We determine\nthese values based on applicable accounting guidance, which, for financial\ninstruments measured at fair value, requires an entity to base fair value on exit\nprice and to maximize the use of observable inputs and minimize the use of\nunobservable inputs in fair value measurements. The fair values of these\nfinancial instruments include adjustments for market liquidity, credit quality,\nfunding impact on certain derivatives and other transaction-specific factors,\nwhere appropriate.\nGains or losses on these instruments can have a direct impact on our\nresults of operations, unless we have effectively mitigated the risk of our\nexposures.", "d90bb742-0c0c-4ec0-bc75-b3d8b8ebd213": "capital and liquidity requirements.\nWe have a large portfolio of financial instruments, including loans and loan\ncommitments, securities financing agreements, asset-backed secured\nfinancings, derivative assets and liabilities, debt securities, marketable equity\nsecurities and certain other assets and liabilities that we measure at fair value\nand are subject to valuation and impairment assessments. We determine\nthese values based on applicable accounting guidance, which, for financial\ninstruments measured at fair value, requires an entity to base fair value on exit\nprice and to maximize the use of observable inputs and minimize the use of\nunobservable inputs in fair value measurements. The fair values of these\nfinancial instruments include adjustments for market liquidity, credit quality,\nfunding impact on certain derivatives and other transaction-specific factors,\nwhere appropriate.\nGains or losses on these instruments can have a direct impact on our\nresults of operations, unless we have effectively mitigated the risk of our\nexposures. Increases in interest rates may cause decreases in residential\nmortgage loan originations and could impact the origination of corporate debt.\nIn addition, increases in interest rates or changes in spreads may continue to\nadversely impact the fair value of our debt securities and, accordingly, for debt\nsecurities classified as available-for-sale (AFS), adversely affect accumulated\nother comprehensive income and, thus, our capital levels. Increases in\ninterest rates could also adversely impact our regulatory liquidity position and\nrequirements, which include certain AFS debt securities and the use of\nrepurchase agreements against a portion of the held-to-maturity (HTM) debt\nsecurities. As our liquidity is dependent on the fair value of these assets,\nincreases in market interest rates, which have adversely impacted and may\ncontinue to adversely impact the fair value of debt securities, could adversely\naffect liquidity levels.\nFair values may be impacted by declining values of the underlying assets\nor the prices at which observable market transactions occur and the continued\navailability of these transactions or indices. The financial strength of\ncounterparties, with whom we have economically hedged some of our\nexposure to these assets, also will affect the fair value of these assets.\nSudden declines and volatility in the prices of assets may curtail or eliminate\ntrading activities in these assets, which may make it difficult to sell, hedge or\nvalue these assets. The inability to sell or effectively hedge assets reduces our\nability to limit losses in such positions, and the difficulty in valuing assets may\nincrease our risk-weighted assets (RWA), which requires us to maintain\nadditional capital and increases our funding costs. Values of AUM also impact\nrevenues in our wealth management and related advisory businesses for\nasset-based management and performance fees. Declines in values of AUM\ncan result in lower fees earned for managing such assets.\nLiquidity\nLiquidity\nIf we are unable to access the capital markets, have prolonged net\nIf we are unable to access the capital markets, have prolonged net\ndeposits outflows, or our borrowing costs increase, our liquidity and\ndeposits outflows, or our borrowing costs increase, our liquidity and\ncompetitive position will be negatively affected.\ncompetitive position will be negatively affected.\nLiquidity is essential to our businesses. We fund our assets primarily with\nglobally sourced deposits in our bank entities, as well as secured and\nunsecured liabilities transacted in the capital markets. We rely on certain\nsecured funding sources, such as repo markets, which are typically short-term\nand credit-sensitive. We also engage in asset securitization transactions,\nincluding with the government-sponsored enterprises (GSEs), to fund\nconsumer lending activities. Our liquidity could be adversely affected by any\ninability to access the capital markets, illiquidity or volatility in the capital\nmarkets, the decrease in value of eligible collateral or increased collateral\nrequirements (including as a result of credit concerns for short-term\n9\n9\n \nBank of America", "5a22a363-17f0-4de3-82d6-83cbc64c11e8": "borrowing), changes to our relationships with our funding providers based on\nreal or perceived changes in our risk profile, prolonged federal government\nshutdowns, or changes in regulations, guidance or GSE status that impact our\nfunding.\nAdditionally, our liquidity or cost of funds may be negatively impacted by the\nunwillingness or inability of the Federal Reserve to act as lender of last resort,\nunexpected simultaneous draws on lines of credit or deposits, slower\ncustomer payment rates, restricted access to the assets of prime brokerage\nclients, the withdrawal of or failure to attract customer deposits or invested\nfunds (which could result from attrition driven by customers seeking higher\nyielding deposits or securities products, customer desire to utilize an\nalternative financial institution perceived to be safer, changes in customer\nspending behavior due to inflation, decline in the economy or other drivers\nresulting in an increased need for cash), increased regulatory liquidity, capital\nand margin requirements for our U.S. or international banks and their nonbank\nsubsidiaries, which could result in the inability to transfer liquidity internally\nand inefficient funding, changes in patterns of intraday liquidity usage resulting\nfrom a counterparty or technology failure or other idiosyncratic event or failure\nor default by a significant market participant or third party (including clearing\nagents, custodians, central banks or central counterparty clearinghouses\n(CCPs)). These factors may increase our borrowing costs and negatively\nimpact our liquidity.\nSeveral of these factors may arise due to circumstances beyond our\ncontrol, such as general market volatility, disruption, shock or stress, the\nemergence or continuation of widespread health emergencies or pandemics,\nand military conflicts (including the Russia/Ukraine conflict and the conflict in\nthe Middle East). Federal Reserve policy decisions (including fluctuations in\ninterest rates or Federal Reserve balance sheet composition), negative views\nor loss of confidence about us or the financial services industry generally or\ndue to a specific news event, changes in the regulatory environment or\ngovernmental fiscal or monetary policies, actions by credit rating agencies or\nan operational problem that affects third parties or us. The impact of these\npotentially sudden events, whether within our control or not, could include an\ninability to sell assets or redeem investments, unforeseen outflows of cash,\nthe need to draw on liquidity facilities, the reduction of financing balances and\nthe loss of equity secured funding, debt repurchases to support the secondary\nmarket or meet client requests, the need for additional funding for\ncommitments and contingencies and unexpected collateral calls, among other\nthings, the result of which could be increased costs, a liquidity shortfall and/or\nimpact on our liquidity coverage ratio.\nOur liquidity and cost of obtaining funding may be directly related to investor\nbehavior and confidence, debt market disruption, firm specific concerns or\nprevailing market conditions, including changes in interest and currency\nexchange rates, significant fluctuations in equity and futures prices, lower\ntrading volumes and prices of securitized products and our credit spreads.\nIncreases in interest rates and our credit spreads can increase the cost of our\nfunding and result in mark-to-market or credit valuation adjustment exposures.\nChanges in our credit spreads are market driven and may be influenced by\nmarket perceptions of our creditworthiness, including changes in our credit\nratings or changes in broader financial market and macroeconomic\nconditions. Changes to interest rates and our credit spreads occur\ncontinuously and may be unpredictable and highly volatile. We may also\nexperience net interest margin compression as a result of offering higher than\nexpected deposit rates in order to attract and maintain deposits.\nConcentrations within our funding profile, such as maturities,\ncurrencies or counterparties, can also reduce our funding efficiency.\nReduction in our credit ratings could limit our access to funding or the\nReduction in our credit ratings could limit our access to funding or the\ncapital markets, increase borrowing costs or trigger additional\ncapital markets, increase borrowing costs or trigger additional\ncollateral or funding requirements.\ncollateral or funding requirements.\nOur borrowing costs and ability to raise funds are directly impacted by our\ncredit ratings. Credit ratings are also important to investors, customers or\ncounterparties when we compete in certain markets and seek to engage in\ncertain transactions, including over-the-counter (OTC) derivatives. Our credit\nratings are subject to ongoing review by rating agencies, which consider a\nnumber of financial and nonfinancial factors, including our franchise, financial\nstrength, performance and prospects, management, governance, risk\nmanagement practices, capital adequacy, asset quality and operations,\namong other criteria, as well as factors not under our control, such as\nregulatory developments, the macroeconomic and geopolitical environment\nand changes to the methodologies used to determine our ratings.", "da110003-0048-43ed-af43-8e3bc6971d00": "collateral or funding requirements.\nOur borrowing costs and ability to raise funds are directly impacted by our\ncredit ratings. Credit ratings are also important to investors, customers or\ncounterparties when we compete in certain markets and seek to engage in\ncertain transactions, including over-the-counter (OTC) derivatives. Our credit\nratings are subject to ongoing review by rating agencies, which consider a\nnumber of financial and nonfinancial factors, including our franchise, financial\nstrength, performance and prospects, management, governance, risk\nmanagement practices, capital adequacy, asset quality and operations,\namong other criteria, as well as factors not under our control, such as\nregulatory developments, the macroeconomic and geopolitical environment\nand changes to the methodologies used to determine our ratings.\nRating agencies could adjust our credit ratings at any time and there can\nbe no assurance as to whether or when a downgrade could occur. Any\nreduction could result in a wider credit spread and negatively affect our access\nto credit markets, the related cost of funds, our businesses and certain trading\nrevenues, particularly in those businesses where counterparty\ncreditworthiness is critical. If the short-term credit ratings of our parent\ncompany, bank or broker-dealer subsidiaries were downgraded, we may\nexperience loss of access to short-term funding sources such as repo\nfinancing, and/or incur increased cost of funds and increased collateral\nrequirements. Under the terms of certain OTC derivative contracts and other\ntrading agreements, if our or our subsidiaries\u2019 credit ratings are downgraded,\nthe counterparties may require additional collateral or terminate these\ncontracts or agreements.\nWhile certain potential impacts are contractual and quantifiable, the full\nconsequences of a credit rating downgrade are inherently uncertain and\ndepend upon numerous dynamic, complex and inter-related factors and\nassumptions, including the relationship between long-term and short-term\ncredit ratings and the behaviors of customers, investors and counterparties.\nBank of America Corporation is a holding company, is dependent on its\nBank of America Corporation is a holding company, is dependent on its\nsubsidiaries for liquidity and may be restricted from transferring funds\nsubsidiaries for liquidity and may be restricted from transferring funds\nfrom subsidiaries.\nfrom subsidiaries.\nBank of America Corporation, as the parent company, is a separate and\ndistinct legal entity from our bank and nonbank subsidiaries. We evaluate and\nmanage liquidity on a legal entity basis. Legal entity liquidity is an important\nconsideration as there are legal, regulatory, contractual and other limitations\non our ability to utilize liquidity from one legal entity to satisfy the liquidity\nrequirements of another, including the parent company, which could result in\nadverse liquidity events. The parent company depends on dividends,\ndistributions, loans and other payments from our bank and nonbank\nsubsidiaries to fund dividend payments on our preferred stock and common\nstock and to fund all payments on our other obligations, including debt\nobligations. Any inability of our subsidiaries to transfer funds, pay dividends or\nmake payments to us may adversely affect our cash flow, liquidity and financial\ncondition.\nMany of our subsidiaries, including our bank and broker-dealer\nsubsidiaries, are subject to laws that restrict dividend payments, or authorize\nregulatory bodies to block or reduce the flow of funds from those subsidiaries\nto the parent company or other subsidiaries. Our bank and broker-dealer\nsubsidiaries are subject to restrictions on their ability to lend or transact with\naffiliates, minimum regulatory capital and liquidity requirements\nBank of America \n10\n10", "8af86a6f-ab8b-49a7-99c7-5a0184366247": "and restrictions on their ability to use funds deposited with them in bank or\nbrokerage accounts to fund their businesses. Intercompany arrangements we\nentered into in connection with our resolution planning submissions could\nrestrict the amount of funding available to the parent company from our\nsubsidiaries under certain adverse conditions.\nAdditional restrictions on related party transactions, increased capital and\nliquidity requirements and additional limitations on the use of funds on deposit\nin bank or brokerage accounts, as well as lower earnings, can reduce the\namount of funds available to meet the obligations of the parent company and\neven require the parent company to provide additional funding to such\nsubsidiaries. Also, regulatory action that requires additional liquidity at each of\nour subsidiaries could impede access to funds we need to pay our obligations\nor pay dividends. In addition, our right to participate in a distribution of assets\nupon a subsidiary\u2019s liquidation or reorganization is subject to prior claims of\nthe subsidiary\u2019s creditors.\nBank of America Corporation\u2019s liquidity and financial condition, and the\nBank of America Corporation\u2019s liquidity and financial condition, and the\nability to pay dividends and obligations, could be adversely affected in\nability to pay dividends and obligations, could be adversely affected in\nthe event of a resolution.\nthe event of a resolution.\nBank of America Corporation, our parent holding company, is required to\nperiodically submit a plan to the FDIC and Federal Reserve describing its\nresolution strategy under the U.S. Bankruptcy Code in the event of material\nfinancial distress or failure. Bank of America Corporation\u2019s preferred\nresolution strategy is a \u201csingle point of entry\u201d strategy, whereby only the parent\nholding company would file for bankruptcy under the U.S. Bankruptcy Code.\nCertain key operating subsidiaries would be provided with sufficient capital\nand liquidity to operate through severe stress and to enable such subsidiaries\nto continue operating or be wound down in a solvent manner following a\nbankruptcy of the parent holding company. Bank of America Corporation has\nentered into intercompany arrangements resulting in the contribution of most\nof its capital and liquidity to key subsidiaries. Pursuant to these arrangements,\nif Bank of America Corporation\u2019s liquidity resources deteriorate so severely\nthat resolution becomes imminent, it will no longer be able to draw liquidity\nfrom its key subsidiaries and will be required to contribute its remaining\nfinancial assets to a wholly-owned holding company subsidiary. This could\nadversely affect our liquidity and financial condition, including the ability to\nmeet our payment obligations and the ability to return capital to shareholders,\nincluding through the payment of dividends and repurchase of the\nCorporation\u2019s common stock.\nIf the FDIC and Federal Reserve jointly determine that Bank of America\nCorporation\u2019s resolution plan is not credible, they could impose more\nstringent capital, leverage or liquidity requirements or restrictions on our\ngrowth, activities or operations. We could also be required to take certain\nactions that could impose operating costs and result in the divestiture of\nassets or restructuring of businesses and subsidiaries.\nWhen a G-SIB such as Bank of America Corporation is in default or danger\nof default, the FDIC may be appointed receiver to conduct an orderly\nliquidation, and could, among other things, invoke the orderly liquidation\nauthority, instead of the U.S. Bankruptcy Code, if the Secretary of the Treasury\nmakes certain financial distress and systemic risk determinations.\nAdditionally, the FDIC could replace Bank of America Corporation with a bridge\nholding company, which could continue operations and result in an orderly\nresolution of the underlying bank, but whose equity would be held solely for the\nbenefit of our creditors. The FDIC\u2019s \u201csingle point of entry\u201d strategy may result in\nour security holders suffering greater losses than would have been the case\nunder a bankruptcy proceeding or a different resolution strategy.\nIf the Corporation is resolved under the U.S. Bankruptcy Code or the FDIC\u2019s\norderly liquidation authority, third-party creditors of our subsidiaries may\nreceive significant or full recoveries on their claims, while security holders of\nBank of America Corporation could face significant or complete losses.\nCredit\nCredit\nEconomic or market disruptions and insufficient credit loss reserves\nEconomic or market disruptions and insufficient credit loss reserves\nmay result in a higher provision for credit losses.\nmay result in a higher provision for credit losses.\nA number of our products expose us to credit risk, including loans, letters of\ncredit, derivatives, debt securities, trading account assets and assets held-for-\nsale. Deterioration in the financial condition of our consumer and commercial\nborrowers, counterparties or underlying collateral could adversely affect our\nresults of operations and financial condition.\nOur credit portfolios may be impacted by U.S.", "700fd1e0-4ea9-412f-8d51-daeebfa3ee0b": "If the Corporation is resolved under the U.S. Bankruptcy Code or the FDIC\u2019s\norderly liquidation authority, third-party creditors of our subsidiaries may\nreceive significant or full recoveries on their claims, while security holders of\nBank of America Corporation could face significant or complete losses.\nCredit\nCredit\nEconomic or market disruptions and insufficient credit loss reserves\nEconomic or market disruptions and insufficient credit loss reserves\nmay result in a higher provision for credit losses.\nmay result in a higher provision for credit losses.\nA number of our products expose us to credit risk, including loans, letters of\ncredit, derivatives, debt securities, trading account assets and assets held-for-\nsale. Deterioration in the financial condition of our consumer and commercial\nborrowers, counterparties or underlying collateral could adversely affect our\nresults of operations and financial condition.\nOur credit portfolios may be impacted by U.S. and global macroeconomic\nand market conditions, events and disruptions, including declines in GDP,\nconsumer spending or property values, asset price corrections, increasing\nconsumer and corporate leverage, increases in corporate bond spreads,\ngovernment shutdowns or policies such as student loan debt payment\nresumptions, tax changes, rising or elevated unemployment levels, elevated\ninflation, fluctuations in foreign exchange or interest rates, as well as the\nemergence or continuation of widespread health emergencies or pandemics,\nextreme weather events and the impacts of climate change, including acute\nand/or chronic extreme weather events and efforts to transition to a low-carbon\neconomy. Significant economic or market stresses and disruptions typically\nhave a negative impact on the business environment and financial markets,\nwhich could impact the underlying credit quality of our borrowers,\ncounterparties and assets. Property value declines or asset price corrections\ncould increase the risk of borrowers or counterparties defaulting or becoming\ndelinquent in their obligations to us, and could decrease the value of the\ncollateral we hold, which could increase credit losses. Credit risk could also\nbe magnified by lending to leveraged borrowers or declining asset prices,\nincluding property or collateral values, unrelated to macroeconomic stress.\nSimultaneous drawdowns on lines of credit and/or an increase in a borrower\u2019s\nleverage in a weakening economic environment, or otherwise, could result in\ndeterioration in our credit portfolio, should borrowers be unable to fulfill\ncompeting financial obligations. Increased delinquency and default rates\ncould adversely affect our credit portfolios, including consumer credit card,\nhome equity and residential mortgage portfolios through increased charge-\noffs and provisions for credit losses.\nA recessionary environment and/or a rise in unemployment could adversely\nimpact the ability of our consumer and/or commercial borrowers or\ncounterparties to meet their financial obligations and negatively impact our\ncredit portfolio. Consumers have been and may continue to be negatively\nimpacted by inflation, resulting in drawdowns of savings or increases in\nhousehold debt. Higher interest rates, which have increased debt servicing\ncosts for some businesses and households, may adversely impact credit\nquality, particularly in a recessionary environment. Certain sectors also remain\nat risk (e.g., commercial real estate, particularly office) as a result of shifts in\ndemand and tighter financial and credit conditions. Globally, conditions of slow\ngrowth or recession could further contribute to weaker credit conditions. If the\nmacroeconomic environment or certain sectors worsen, our credit portfolio,\nnet charge-offs, provision and allowance for credit losses could be adversely\nimpacted.\n11\n11\n \nBank of America", "af51657f-07ac-432e-ba34-f2fe610d08fc": "We establish an allowance for credit losses, which includes the allowance\nfor loan and lease losses and the reserve for unfunded lending commitments,\nbased on management's best estimate of lifetime expected credit losses\n(ECL) inherent in our relevant financial assets. The process to determine the\nallowance for credit losses uses models and assumptions that require us to\nmake difficult and complex judgments that are often interrelated, including\nforecasting how borrowers or counterparties may perform in changing\neconomic conditions. The ability of our borrowers or counterparties to repay\ntheir obligations may be impacted by changes in future economic conditions,\nwhich in turn could impact the accuracy of our loss forecasts and allowance\nestimates. There is also the possibility that we have failed or will fail to\naccurately identify the appropriate economic indicators or accurately estimate\ntheir impacts to our borrowers or counterparties, which could impact the\naccuracy of our loss forecasts and allowance estimates.\nIf the models, estimates and assumptions we use to establish reserves or\nthe judgments we make in extending credit to our borrowers or counterparties,\nwhich are more sensitive due to the current uncertain macroeconomic and\ngeopolitical environment, prove inaccurate in predicting future events, we may\nsuffer losses in excess of our ECL. In addition, changes to external factors can\nnegatively impact our recognition of credit losses in our portfolios and\nallowance for credit losses.\nThe allowance for credit losses is our best estimate of ECL; however, there\nis no guarantee that it will be sufficient to address credit losses, particularly if\nthe economic outlook deteriorates significantly, quickly, or unexpectedly. As\ncircumstances change, we may increase our allowance, which would reduce\nour earnings. If economic conditions worsen, impacting our consumer and\ncommercial borrowers, counterparties or underlying collateral, and credit\nlosses are worse than expected, we may increase our provision for credit\nlosses, which could adversely affect our results of operations and financial\ncondition.\nOur concentrations of credit risk could adversely affect our credit\nOur concentrations of credit risk could adversely affect our credit\nlosses, results of operations and financial condition.\nlosses, results of operations and financial condition.\nWe may be subject to concentrations of credit risk because of a common\ncharacteristic or common sensitivity to economic, financial, public health or\nbusiness developments. Concentrations of credit risk may reside in a\nparticular industry, geography, product, asset class, counterparty or within any\npool of exposures with a common risk characteristic. A deterioration in the\nfinancial condition or prospects of a particular industry, geographic location,\nproduct or asset class, or a failure or downgrade of, or default by, any\nparticular entity or group of entities could negatively affect our businesses, and\nit is possible our limits and credit monitoring exposure controls will not\nfunction as anticipated.\nWe execute a high volume of transactions and have significant credit\nconcentrations with respect to the financial services industry, predominantly\ncomprised of broker-dealers, commercial banks, investment banks, insurance\ncompanies, mutual funds, hedge funds, CCPs and other institutional clients.\nFinancial services institutions and other counterparties are inter-related\nbecause of trading, funding, clearing or other relationships. Defaults by one or\nmore counterparties, or market uncertainty about the financial stability of one\nor more financial services institutions, or the financial services industry\ngenerally, could lead to market-wide liquidity disruptions, losses, defaults and\nrelated disputes and litigation.\nOur credit risk may also be heightened by market risk when the collateral\nheld by us cannot be liquidated or is liquidated at prices not sufficient to\nrecover the full amount of the loan or\nderivatives exposure due to us, which may occur as a result of events that\nimpact the value of the collateral, such as a sudden change in asset price or\nfraud. Disputes with obligors as to the valuation of collateral could increase in\ntimes of significant market stress, volatility or illiquidity, and we could suffer\nlosses during such periods if we are unable to realize the fair value of the\ncollateral or manage declines in the value of collateral.\nWe have concentrations of credit risk, including with respect to our\nconsumer real estate and consumer credit card exposure, as well as our\ncommercial real estate and asset managers and funds portfolios, which\nrepresent a significant percentage of our overall credit portfolio. Declining\nhome price valuations and demand where we have large concentrations could\nresult in increased servicing advances and expenses, defaults, delinquencies\nor credit losses.", "4b336a92-6c7c-4321-a4e4-c8d49c171be8": "Disputes with obligors as to the valuation of collateral could increase in\ntimes of significant market stress, volatility or illiquidity, and we could suffer\nlosses during such periods if we are unable to realize the fair value of the\ncollateral or manage declines in the value of collateral.\nWe have concentrations of credit risk, including with respect to our\nconsumer real estate and consumer credit card exposure, as well as our\ncommercial real estate and asset managers and funds portfolios, which\nrepresent a significant percentage of our overall credit portfolio. Declining\nhome price valuations and demand where we have large concentrations could\nresult in increased servicing advances and expenses, defaults, delinquencies\nor credit losses. The impacts of earthquakes, as well as climate change, such\nas rising average global temperatures and sea levels, and the increasing\nfrequency and severity of extreme weather events and natural disasters,\nincluding droughts, floods, wildfires and hurricanes, could negatively impact\ncollateral, the valuations of home or commercial real estate or our customers\u2019\nability and/or willingness to pay fees, outstanding loans or afford new\nproducts. This could also cause insurability risk and/or increased insurance\ncosts to customers.\nEconomic weaknesses, sustained elevated inflation, adverse business\nconditions, market disruptions, adverse economic or market events, rising\ninterest or capitalization rates, declining asset prices, greater volatility in areas\nwhere we have concentrated credit risk or deterioration in real estate values or\nhousehold incomes may cause us to experience higher credit losses in our\nportfolios or write down the value of certain assets. We could also experience\ncontinued and long-term negative impacts to our commercial credit exposure\nand an increase in credit losses within those industries that may be\npermanently impacted by a change in consumer preferences or other industry\ndisruptions.\nWe also enter into transactions with sovereign nations, U.S. states and\nmunicipalities. Unfavorable economic or political conditions, disruptions to\ncapital markets, currency fluctuations, changes in oil prices, social instability\nand changes in government or monetary policies could adversely impact the\noperating budgets or credit ratings of these government entities and expose\nus to credit and liquidity risk.\nLiquidity disruptions in the financial markets may result in our inability to\nsell, syndicate or realize the value of our positions, increasing concentrations,\nwhich could increase RWA and the credit and market risk associated with our\npositions.\nWe may be adversely affected by weaknesses in the U.S. housing\nWe may be adversely affected by weaknesses in the U.S. housing\nmarket.\nmarket.\nDuring 2023, the U.S. housing market continued to be impacted by higher\nmortgage rates, including 30-year fixed-rate mortgages that more than\ndoubled from 2021. This has negatively impacted the demand in some cases\nand underlying collateral for many of our products. Additionally, our mortgage\nloan production volume is generally influenced by the rate of growth in\nresidential mortgage debt outstanding and the size of the residential mortgage\nmarket, both of which have slowed due to higher interest rates and reduced\naffordability. A deeper downturn in the condition of the U.S. housing market\ncould result in significant write-downs of asset values in several asset\nclasses, notably mortgage-backed securities (MBS). If the U.S. housing\nmarket were to further weaken, the value of real estate could decline, which\ncould result in increased credit losses and delinquent servicing expenses,\nnegatively affect our\nBank of America \n12\n12", "0fa258f7-4c20-421a-a3b6-c3856e3f9c5e": "representations and warranties exposures, and adversely affect our results of\noperations and financial condition.\nOur derivatives businesses may expose us to unexpected risks, which\nOur derivatives businesses may expose us to unexpected risks, which\nmay result in losses and adversely affect liquidity.\nmay result in losses and adversely affect liquidity.\nWe are party to a large number of derivatives transactions that may expose\nus to unexpected market, credit and operational risks that could cause us to\nsuffer unexpected losses. Fluctuations in asset values or rates or an\nunanticipated credit event, including unforeseen circumstances that may\ncause previously uncorrelated factors to become correlated, may lead to\nlosses resulting from risks not taken into account or anticipated in the\ndevelopment, structuring or pricing of a derivative instrument. Certain derivative\ncontracts and other trading agreements provide that upon the occurrence of\ncertain specified events, such as a change to our or our affiliates\u2019 credit\nratings, we may be required to provide additional collateral or take other\nremedial actions, and we could experience increased difficulty obtaining\nfunding or hedging risks. In some cases our counterparties may have the right\nto terminate or otherwise diminish our rights under these contracts or\nagreements upon the occurrence of such events.\nWe are also a member of various CCPs, which results in credit risk\nexposure to those CCPs. In the event that one or more members of a CCP\ndefault on their obligations, we may be required to pay a portion of any losses\nincurred by the CCP as a result of that default. A CCP may also, at its\ndiscretion, modify the margin we are required to post, which could mean\nunexpected and increased funding costs and exposure to that CCP. As a\nclearing member, we are exposed to the risk of non-performance by our\nclients for which we clear transactions, which may not be covered by available\ncollateral. Additionally, default by a significant market participant may result in\nfurther risk and potential losses.\nGeopolitical\nGeopolitical\nWe are subject to numerous political, economic, market, reputational,\nWe are subject to numerous political, economic, market, reputational,\noperational, compliance, legal, regulatory and other risks in the\noperational, compliance, legal, regulatory and other risks in the\njurisdictions in which we operate.\njurisdictions in which we operate.\nWe do business throughout the world, including in emerging markets.\nEconomic or geopolitical stress in one or more countries could have a\nnegative impact regionally or globally, resulting in, among other things, market\nvolatility, reduced market value and economic output. Our liquidity and credit\nrisk could be adversely impacted by, and our businesses and revenues\nderived from non-U.S. jurisdictions are subject to, risk of loss from financial,\nsocial or judicial instability, economic sanctions, changes in government\nleadership, including as a result of electoral outcomes or otherwise, changes\nin governmental policies or policies of central banks, expropriation,\nnationalization and/or confiscation of assets, price controls, high inflation,\nnatural disasters, the emergence or continuation of widespread health\nemergencies or pandemics, capital controls, currency re-denomination risk\nfrom a country exiting the EU or otherwise, currency fluctuations, foreign\nexchange controls or movements (caused by devaluation or de-pegging),\nunfavorable political and diplomatic developments, oil price fluctuations and\nchanges in legislation. These risks are especially elevated in emerging\nmarkets.\nContinued tensions between the U.S. and important trading partners,\nparticularly China, may result in sanctions, further tariff increases or other\nrestrictive actions on cross-border trade, investment and transfer of\ninformation technology, which could reduce trade volumes, result in further\nsupply chain disruptions, increase costs for producers, and adversely affect\nour\nbusinesses and revenues, as well as our customers and counterparties,\nincluding their credit quality.\nSlowing growth, recessionary conditions, adverse geopolitical conditions\nand/or political or civil unrest, labor shortages, wage pressures and elevated\ninflation in certain countries pose \nchallenges, including in the form of volatility\nin financial markets. Foreign exchange rates against the U.S. dollar remain an\narea of uncertainty and potential volatility, and depreciation could increase our\nfinancial risks with clients that deal in non-U.S. currencies but have U.S. dollar-\ndenominated debt.\nWe invest or trade in the securities of corporations and governments\nlocated in non-U.S. jurisdictions, including emerging markets. Revenues from\nthe trading of non-U.S. securities may be subject to negative fluctuations as a\nresult of the above factors.", "a59bd25a-0606-42ef-804d-118e7448f225": "Slowing growth, recessionary conditions, adverse geopolitical conditions\nand/or political or civil unrest, labor shortages, wage pressures and elevated\ninflation in certain countries pose \nchallenges, including in the form of volatility\nin financial markets. Foreign exchange rates against the U.S. dollar remain an\narea of uncertainty and potential volatility, and depreciation could increase our\nfinancial risks with clients that deal in non-U.S. currencies but have U.S. dollar-\ndenominated debt.\nWe invest or trade in the securities of corporations and governments\nlocated in non-U.S. jurisdictions, including emerging markets. Revenues from\nthe trading of non-U.S. securities may be subject to negative fluctuations as a\nresult of the above factors. Furthermore, the impact of these fluctuations could\nbe magnified because non-U.S. trading markets, particularly in emerging\nmarkets, are generally smaller, less liquid and more volatile than U.S. trading\nmarkets. Risks in one nation can limit our opportunities for portfolio growth\nand negatively affect our operations in other nations, including our U.S.\noperations. Market and economic disruptions may affect consumer confidence\nlevels and spending, corporate investment and job creation, bankruptcy rates,\nlevels of incurrence and default on consumer and corporate debt, economic\ngrowth rates and asset values, among other factors.\nElevated government debt levels raise the risk of volatility, significant\nvaluation changes, political tensions among EU members regarding fiscal\npolicy or defaults on or devaluation of sovereign debt, which could expose us\nto substantial losses. Financial markets have been and may continue to be\nsensitive to government plans to lower taxes or increase spending.\nOur non-U.S. businesses are also subject to extensive regulation by\ngovernments, securities exchanges and regulators, central banks and other\nregulatory bodies. In many countries, the laws and regulations applicable to\nthe financial services and securities industries are less predictable, prone to\nchange and uncertainty, and regularly evolving. Significant resources are spent\non determining, understanding and monitoring foreign laws, rules and\nregulations, as well as managing our relationships with multiple regulators in\nvarious jurisdictions. Our inability to remain in compliance with local laws and\nmanage our relationships with regulators could result in increased expenses,\nchanges to our organizational structure and adversely affect our businesses,\nreputation and results of operations in that market.\nWe are also subject to complex and extensive U.S. and non-U.S. laws,\nrules and regulations, which subject us to costs and risks relating to bribery\nand corruption, know-your-customer requirements, anti-money laundering,\nembargo programs and economic sanctions, which can vary by jurisdiction\nand require implementation of complex operational capabilities and\ncompliance programs. Non-compliance, including improper implementation,\nand/or violations could result in an increase in operational and compliance\ncosts, and enforcement actions and civil and criminal penalties against us\nand individual employees. The increasing speed and novel ways in which\nfunds circulate could make it more challenging to track the movement of funds\nand heighten financial crimes risk. Compliance with these evolving regulatory\nregimes and legal requirements depends on our ability to improve our\nprocesses, controls, surveillance, detection and reporting and analytic\ncapabilities.\nIn the U.S., the government\u2019s debt ceiling and budget deficit concerns have\nincreased the possibility of U.S. government defaults on its debt and/or further\ndowngrades to its credit ratings, and prolonged government shutdowns, which\ncould\n13\n13\n \nBank of America", "c1ba575d-b840-4442-9f34-8ca13d527081": "weaken the U.S. dollar, cause market volatility, negatively impact the global\neconomy and banking system and adversely affect our financial condition,\nincluding our liquidity. Additionally, changes in fiscal, monetary, regulatory\nand/or foreign policy, including as a result of the election cycle, labor\nshortages, wage pressures, supply chain disruptions and higher inflation,\ncould increase our compliance costs and adversely affect our business\noperations, organizational structure and results of operations. Emerging\nmarket currency values and monetary policy settings are particularly sensitive\nto such changes in U.S. monetary policy. Additionally, further restrictive U.S.\nmonetary policy, potentially including further rate increases, could result in\nadditional currency volatility and recessionary conditions in a number of non-\nU.S. markets.\nWe are also subject to geopolitical risks, including economic sanctions,\nacts or threats of international or domestic terrorism, including responses by\nthe U.S. or other governments thereto, increased state-sponsored\ncyberattacks or campaigns, civil unrest and/or military conflicts, including the\nescalation of tensions between China and Taiwan, which could adversely\naffect business, market trade and general economic conditions abroad and in\nthe U.S. The Russia/Ukraine conflict and the conflict in the Middle East have\nmagnified such risks and resulted in regional instability and adversely\nimpacted commodity and other financial markets, as well as economic\nconditions, especially in Europe. Widening regional conflicts resulting in the\ninvolvement of neighboring countries and/or North Atlantic Treaty Organization\nmember countries could result in additional economic disruptions, financial\nmarket volatility, higher inflation and changes to asset valuations, which could\ndisrupt our operations and adversely affect our results of operations.\nBusiness Operations\nBusiness Operations\nA failure in or breach of our operations or information systems, or those\nA failure in or breach of our operations or information systems, or those\nof third parties or the financial services industry, could cause\nof third parties or the financial services industry, could cause\ndisruptions, adversely impact our businesses, results of operations and\ndisruptions, adversely impact our businesses, results of operations and\nfinancial condition, and cause legal or reputational harm.\nfinancial condition, and cause legal or reputational harm.\nOperational risk exposure exists throughout our organization and as a\nresult of our extensive interactions with, and reliance on, third parties and the\nfinancial services industry, including the processing and reporting of a large\nnumber of transactions in many currencies and jurisdictions. Our operations\nand information systems, which comprise the hardware, software,\ninfrastructure, backup systems and other technology which we own or use to\ncollect, process, maintain, use, share, disseminate or dispose of information,\nare integral to the performance of our businesses.\nOur operations and information systems and components thereof, and\nthose of our third parties, have been, and in the future could be, ineffective or\nfail to operate properly or become disabled or damaged as a result of a\nnumber of factors, including events that are wholly or partially beyond our or\nsuch third party\u2019s control. Such events have adversely affected, and in the\nfuture could adversely affect, physical site access of our operations, our ability\nto process transactions, provide services and perform other operations. Short-\nterm or prolonged disruptions to our critical business operations and\ncustomer services are possible due to computer, telecommunications,\nnetwork, utility, electronic or physical infrastructure outages, including from\nabuse or failure of our electronic trading and algorithmic platforms, significant\nunplanned increases in customer transactions, fraudulent transactions, newly\nidentified vulnerabilities in key hardware and software, failure of\ninfrastructure or manual processes, technology project implementation\nchallenges and supply chain disruptions. Operational disruptions and\nprolonged operational outages could also result from events arising from\nnatural disasters, including acute and chronic weather events, such as\nwildfires, tornadoes, hurricanes and floods, some of which are happening with\nmore frequency and severity, and earthquakes, as well as local or larger scale\npolitical or social matters, including civil unrest, terrorist acts and military\nconflict.\nWe continue to have greater reliance on our and our third parties\u2019 remote\naccess tools and technology, and employees\u2019 personal systems and\nincreased data utilization and dependence upon our information systems to\noperate our businesses remotely, including as a result of evolving customer\npreferences, which has led to increased reliance on digital banking and other\ndigital services provided by our businesses. Effective management of our\nbusiness continuity increasingly depends on the security, reliability and\nadequacy of such systems.", "04707682-a118-4641-91d8-5cc8c581f452": "Operational disruptions and\nprolonged operational outages could also result from events arising from\nnatural disasters, including acute and chronic weather events, such as\nwildfires, tornadoes, hurricanes and floods, some of which are happening with\nmore frequency and severity, and earthquakes, as well as local or larger scale\npolitical or social matters, including civil unrest, terrorist acts and military\nconflict.\nWe continue to have greater reliance on our and our third parties\u2019 remote\naccess tools and technology, and employees\u2019 personal systems and\nincreased data utilization and dependence upon our information systems to\noperate our businesses remotely, including as a result of evolving customer\npreferences, which has led to increased reliance on digital banking and other\ndigital services provided by our businesses. Effective management of our\nbusiness continuity increasingly depends on the security, reliability and\nadequacy of such systems.\nWe also rely on our employees, representatives and third parties in our\nday-to-day operations, who may, due to illness, unavailability, the emergence\nor continuation of health emergencies or pandemics, human error,\nmisconduct (including errors in judgment, malice, fraud or illegal activity),\nmalfeasance or a failure or breach of information systems, cause disruptions\nto our organization and expose us to operational losses, regulatory risk and\nreputational harm. Our and our third parties\u2019 inability to properly introduce,\ndeploy and manage operational changes, including with regard to internal\nfinancial and governance processes, existing products, services and\ntechnology, and new product innovations and technology, could also result in\nadditional operational and regulatory risk.\nRegardless of the measures we have taken to implement training,\nprocedures, backup systems and other safeguards to support our operations\nand bolster our operational resilience, our ability to conduct business may be\nadversely affected by significant disruptions to us or to third parties with whom\nwe interact or upon whom we rely, including localized or systemic cyber events\nthat result in information systems outages and unavailability of part or all of the\ninternet, cloud services and/or the financial services industry infrastructure\n(including electronic trading and algorithmic platforms and critical banking\nactivities). Our ability to implement backup systems and other safeguards with\nrespect to third-party systems and the financial services industry infrastructure\nis more limited than with respect to our systems. Weakness in our third\nparties\u2019 processes or controls could impact our ability to deliver products or\nservices to our clients and expose us to compliance and operational risks.\nThere can be no assurance that our business continuity and information\nsecurity response plans will effectively mitigate our operational risks. Any\nbackup systems or manual processes may not process data accurately and/or\nas quickly or effectively as our primary systems, and some data might not have\nbeen backed up. Additionally, the speed in which we are able to remediate any\nfailure or disruption of our operations and/or information systems may vary\nacross jurisdictions. We regularly update the information systems we rely on\nto support our operations and growth as part of our efforts to comply with all\napplicable laws, rules and regulations globally. This updating entails\nsignificant costs and creates risks associated with implementing new or\nmodified information systems and integrating them with existing information\nsystems, including business interruptions.\nA failure or breach of our or our third parties\u2019 operations or information\nsystems resulting in disruption to our critical\nBank of America \n14\n14", "70666042-5dd9-41d0-89cc-119fa628cf0e": "business operations and customer services, a failure to identify or effectively\nrespond to operational risks in a timely manner and/or a failure to continue to\ndeliver our services through an operational disruption could impact the\nconfidentiality, integrity or availability of data and expose us to a number of\nrisks, including market abuse, customer attrition, regulatory, market, privacy\nand liquidity risk, adversely impact our results of operations and financial\ncondition and cause legal, regulatory or reputational harm.\nThe Corporation and third parties with whom we interact and/or on\nThe Corporation and third parties with whom we interact and/or on\nwhom we rely, are subject to cybersecurity incidents, information and\nwhom we rely, are subject to cybersecurity incidents, information and\nsecurity breaches, and technology failures that have and in the future\nsecurity breaches, and technology failures that have and in the future\ncould adversely affect our ability to conduct our businesses, result in\ncould adversely affect our ability to conduct our businesses, result in\nthe misuse, destruction or disclosure of information, damage our\nthe misuse, destruction or disclosure of information, damage our\nreputation, increase our regulatory and legal risks, result in additional\nreputation, increase our regulatory and legal risks, result in additional\ncosts or financial losses and/or otherwise adversely impact our\ncosts or financial losses and/or otherwise adversely impact our\nbusinesses and results of operations.\nbusinesses and results of operations.\nOur business is highly dependent on the security, controls and efficacy of\nour information systems, and the information systems of our customers, third\nparties, the financial services industry and financial data aggregators with\nwhom we interact, on whom we rely or who have access to our customers'\npersonal or account information. We rely on effective access management and\nthe secure collection, processing, maintenance, use, sharing, dissemination\nand disposition of information in our and our third parties\u2019 information\nsystems. Our cybersecurity risk and exposure remains heightened because\nof, among other things, our prominent size and scale, high-profile brand,\ngeographic footprint and international presence and role in the financial\nservices industry and the broader economy. The proliferation of third-party\nfinancial data aggregators and emerging technologies, including our and our\nthird parties\u2019 use of automation, artificial intelligence (AI) and robotics,\nincreases our cybersecurity risks and exposure.\nWe, our employees, customers, regulators and third parties are ongoing\ntargets of an increasing number of cybersecurity threats and cyberattacks. The\ntactics, techniques and procedures used in cyberattacks are pervasive,\nsophisticated and designed to evade security measures, including computer\nviruses, malicious or destructive code (such as ransomware), social\nengineering (including phishing, vishing and smishing), denial of service or\ninformation or other security breach tactics that have and in the future could\nresult in disruptions to our businesses and operations and the loss of funds,\nincluding from attempts to defraud us and/or our customers, and impact the\nconfidentiality, integrity or availability of our information, including intellectual\nproperty, or that of our employees, customers and third parties. Cyberattacks\nare carried out on a worldwide scale and by a growing number of actors,\nincluding organized crime groups, hackers, terrorist organizations, extremist\nparties, hostile foreign governments, state-sponsored actors, activists,\ndisgruntled employees and other persons or entities, including those involved\nin corporate espionage.\nCybersecurity threats and the tactics, techniques and procedures used in\ncyberattacks change, develop and evolve rapidly, including from emerging\ntechnologies, such as AI, machine learning and quantum computing. Despite\nsubstantial efforts to protect the integrity and resilience of our information\nsystems and implement controls, processes, policies, employee training and\nother protective measures, we are not able to anticipate and/or detect all\ncybersecurity threats and incidents and/or develop or implement effective\npreventive or defensive measures designed to prevent, respond to or mitigate\nall cybersecurity threats and incidents. Internal access\nmanagement failures could impact the confidentiality, integrity or availability of\ndata. Additionally, the failure of our employees to exercise sound judgment\nand vigilance when targeted with social engineering or other cyberattacks\nincreases our vulnerability.\nOur risk from and exposure to cybersecurity threats and incidents,\ninformation and security breaches and technology failures continues to\nincrease due to the acceptance and use of digital banking and other digital\nproducts and services, including mobile banking products, and reliance on\nremote access tools and technology, which have increased our reliance on\nvirtual or digital interactions and a larger number of access points to our\ninformation systems that must be secured, and results in greater amounts of\ninformation being available for access. Greater demand on our information\nsystems and security tools and processes will likely continue.", "d41b000c-49d4-45dc-a6dc-38accdf0647b": "Internal access\nmanagement failures could impact the confidentiality, integrity or availability of\ndata. Additionally, the failure of our employees to exercise sound judgment\nand vigilance when targeted with social engineering or other cyberattacks\nincreases our vulnerability.\nOur risk from and exposure to cybersecurity threats and incidents,\ninformation and security breaches and technology failures continues to\nincrease due to the acceptance and use of digital banking and other digital\nproducts and services, including mobile banking products, and reliance on\nremote access tools and technology, which have increased our reliance on\nvirtual or digital interactions and a larger number of access points to our\ninformation systems that must be secured, and results in greater amounts of\ninformation being available for access. Greater demand on our information\nsystems and security tools and processes will likely continue.\nWe also face significant third-party technology, cybersecurity and\noperational risks relating to the large number of customers and third parties\nwith whom we do business, the financial services industry, upon whom we\nrely to facilitate or enable our business activities or upon whom our customers\nrely, including the secure collection, processing, maintenance, use, sharing,\ndissemination and disposition of customer and other sensitive information,\nproviders of products and/or services, financial counterparties, financial data\naggregators, financial intermediaries, such as clearing agents, exchanges\nand clearing houses, regulators, providers of outsourced infrastructure, such\nas internet access, cloud service providers and electrical power, and retailers\nfor whom we process transactions. Such third-party information systems\nextend beyond our security and control systems, and such third parties have\nvarying levels of security and cybersecurity resources, expertise, safeguards,\ncontrols and capabilities. Threat actors may actively seek to exploit security\nand cybersecurity weaknesses at our third parties and the relationships of our\nthird parties with us may increase the risk that they are targeted by the same\nthreats we face, and such third parties may be less prepared for such threats.\nWe are also at additional risk resulting from critical third-party information\nsecurity and open-source software vulnerabilities. We must rely on our third\nparties to adequately detect and promptly report cybersecurity incidents, and\ntheir failure to do so could adversely affect our ability to report or respond to\ncybersecurity incidents effectively or timely.\nDue to increasing consolidation, interdependence and complexity of\nfinancial entities and technology and information \nsystems, a cybersecurity\nthreat or incident, information or security breach or technology failure that\nsignificantly exposes, degrades, destroys or compromises the information\nsystems or information of one or more financial entities or third parties could\nadversely impact us and increase the risk of operational failure and loss, as\ndisparate systems need to be integrated, often on an accelerated basis.\nSimilarly, any cybersecurity threat or incident, information or security breach or\ntechnology failure that significantly exposes, degrades, destroys or\ncompromises our information systems or information could adversely impact\nthird parties and the critical infrastructure of the financial services industry,\nthereby creating additional risk for us.\nCybersecurity incidents or information or security breaches could persist\nfor an extended period of time before being detected, and it often takes\nadditional time to determine the scope, extent, amount and type of impact,\nincluding information altered, destroyed or otherwise compromised, following\nwhich the measures to recover and restore to a business-as-usual state may\nbe difficult to assess. We have spent and expect to continue to spend\nsignificant resources to modify and enhance\n15\n15\n \nBank of America", "6dfc2151-a0b6-4757-85d9-a7b7ef524274": "our protective measures, investigate and remediate software and network\nvulnerabilities, and defend against, detect and respond to cybersecurity threats\nand incidents whether specific to us, a third party, the industry or businesses\nin general, and enhance our capabilities to respond and recover.\nWhile we and our third parties have experienced cybersecurity incidents,\ninformation and security breaches and technology failures, as well as adverse\nimpacts from such events, including as described in this risk factor, we have\nnot experienced material losses or other material consequences relating to\ncybersecurity incidents, information or security breaches or technology\nfailures, whether directed at us or our third parties. However, we expect to\ncontinue to experience such events and impacts with increased frequency and\nseverity due to the evolving threat environment, and there can be no assurance\nthat future cybersecurity incidents, information and security breaches and\ntechnology failures, including as a result of cybersecurity incidents, information\nand security breaches and technology failures experienced by our third parties,\nwill not have a material adverse impact on us, including our businesses,\nresults of operations and financial condition.\nAny future cybersecurity incident, information or security breach or\ntechnology failure suffered by us or our third parties could result in disruption\nto our day-to-day business activities, an inability to effect transactions, execute\ntrades, service our customers, manage our exposure to risk, expand our\nbusinesses, detect and prevent fraudulent or unauthorized transactions,\nincluding transactions impacting our customers, maintain information\nsystems access and business operations and customer services, in the U.S.\nand/or globally. Additionally, we could experience the loss of customers and\nbusiness opportunities, the withdrawal of customer deposits, the\nmisappropriation, alteration or destruction of our or our third parties\u2019\nintellectual property or confidential information, the unauthorized access to or\ntemporary or permanent loss or theft of personally identifiable information,\nincluding of our employees and customers, significant lost revenue, losses\nand claims brought by third parties, violations of applicable privacy,\ncybersecurity and other laws, rules and regulations, litigation exposure,\neconomic sanctions, enforcement actions, government fines, penalties or\nintervention and other negative consequences. Although we maintain cyber\ninsurance, there can be no assurance that liabilities or losses we may incur\nwill be covered under such policies or that the amount of insurance will be\nadequate. In addition, in the case of any cybersecurity incident, information or\nsecurity breach or technology failure arising from third-party systems\nimpacting us, any third-party indemnification may not be applicable or\nsufficient to address the impact of such cybersecurity incidents, information or\nsecurity breaches or technology failures, including monetary losses of the\nCorporation. The occurrence of any of the events described above could\nadversely impact our businesses, results of operations, liquidity and financial\ncondition, as well as cause reputational harm, whether such events are actual\nor perceived.\nFailure to satisfy our obligations as servicer for residential mortgage\nFailure to satisfy our obligations as servicer for residential mortgage\nsecuritizations, loans owned by other entities and other related losses\nsecuritizations, loans owned by other entities and other related losses\ncould adversely impact our reputation, servicing costs or results of\ncould adversely impact our reputation, servicing costs or results of\noperations.\noperations.\nWe service mortgage loans on behalf of third-party securitization vehicles\nand other investors. If we commit a material breach of our obligations as\nservicer or master servicer, we may be subject to termination if the breach is\nnot cured within a specified period of time following notice, which could cause\nus to lose servicing income. We may also have liability for any failure by us, as\na servicer or master servicer, for\nany act or omission on our part that involves willful misfeasance, bad faith,\ngross negligence or reckless disregard of our duties. If any such breach was\nfound to have occurred, it may harm our reputation, increase our servicing\ncosts or losses due to potential indemnification obligations, result in litigation\nor regulatory action or adversely impact our results of operations. Additionally,\nforeclosures may result in costs, litigation or losses due to irregularities in the\nunderlying documentation, or if the validity of a foreclosure action is challenged\nby a borrower or overturned by a court because of errors or deficiencies in the\nforeclosure process. We may also incur costs or losses relating to delays or\nalleged deficiencies in processing documents necessary to comply with state\nlaw governing foreclosure.\nChanges in the structure of and relationship among the GSEs could\nChanges in the structure of and relationship among the GSEs could\nadversely impact our business.\nadversely impact our business.", "02f874ea-1816-42b1-9153-53c6588a7f13": "If any such breach was\nfound to have occurred, it may harm our reputation, increase our servicing\ncosts or losses due to potential indemnification obligations, result in litigation\nor regulatory action or adversely impact our results of operations. Additionally,\nforeclosures may result in costs, litigation or losses due to irregularities in the\nunderlying documentation, or if the validity of a foreclosure action is challenged\nby a borrower or overturned by a court because of errors or deficiencies in the\nforeclosure process. We may also incur costs or losses relating to delays or\nalleged deficiencies in processing documents necessary to comply with state\nlaw governing foreclosure.\nChanges in the structure of and relationship among the GSEs could\nChanges in the structure of and relationship among the GSEs could\nadversely impact our business.\nadversely impact our business.\nWe rely on the GSEs to guarantee or purchase mortgage loans that meet\ntheir conforming loan requirements. During 2023, we sold approximately $3.1\nbillion of loans to GSEs, primarily Freddie Mac (FHLMC). FHLMC and Fannie\nMae (FNMA) are currently in conservatorship, with the Federal Housing\nFinance Agency (FHFA) acting as conservator. In 2019, the Treasury\nDepartment published a proposal to recapitalize FHLMC and FNMA and\nremove them from conservatorship and reduce their role in the marketplace. In\nJanuary 2021, the Treasury Department further amended the agreement that\ngoverns the conservatorship of FHLMC and FNMA and delineated the\ncontinued objective to remove the GSEs from conservatorship. However, we\ncannot predict the future prospects of the GSEs, timing of the recapitalization\nor release from conservatorship, or content of legislative or rulemaking\nproposals regarding the future status of the GSEs in the housing market. If the\nGSEs take a reduced role in the marketplace, including by limiting the\nmortgage products they offer, we could be required to seek alternative funding\nsources, retain additional loans on our balance sheet, secure funding through\nthe Federal Home Loan Bank system, or securitize the loans through Private\nLabel Securitization, which could increase our cost of funds related to the\norigination of new mortgage loans, increase credit risk and/or impact our\ncapacity to originate new mortgage loans. Uncertainty regarding their future\nand the MBS they guarantee continues to exist for the foreseeable future.\nThese developments could adversely affect our securities portfolios, capital\nlevels, liquidity and results of operations.\nOur risk management framework may not be effective in mitigating risk\nOur risk management framework may not be effective in mitigating risk\nand reducing the potential for losses.\nand reducing the potential for losses.\nOur risk management framework is designed to minimize risk and loss to\nus. We seek to effectively and consistently identify, measure, monitor, report\nand control the key types of risk to which we are subject, including strategic,\ncredit, market, liquidity, compliance, operational and reputational risks. Risks\nalso may span across multiple key risk types, including cybersecurity risk,\nclimate risk and legal risk. While we employ a broad and diversified set of\ncontrols and risk mitigation techniques, including modeling and forecasting,\nhedging strategies and techniques that seek to balance our ability to profit\nfrom trading positions with our exposure to potential losses, our ability to\ncontrol and mitigate risks that result in losses is inherently limited by our ability\nto identify and measure all risks, including emerging and unknown risks,\nanticipate the timing and impact of risks, apply effective hedging strategies,\nmake correct assumptions, manage and aggregate data correctly and\nefficiently, identify changes in markets or client behaviors not yet inherent in\nhistorical data and develop risk management models and forecasts to assess\nand control risk.\nBank of America \n16\n16", "35865a87-76b0-4be1-adcd-d483370629ba": "Our ability to manage risk is dependent on our ability to consistently\nexecute all elements of our risk management program, develop and maintain\na culture of managing risk well throughout the Corporation and manage risks\nassociated with third parties, including providers of products and/or services,\nto allow for effective risk management and help confirm that risks are\nappropriately considered, evaluated and responded to in a timely manner.\nUncertain economic and geopolitical conditions, health emergencies and\npandemics, heightened legislative and regulatory scrutiny of and change\nwithin the financial services industry, the pace of technological changes,\naccounting, tax and market developments, the failure of employees,\nrepresentatives and third parties to comply with our policies and Risk\nFramework and the overall complexity of our operations, among other\ndevelopments, have in the past and may in the future result in a heightened\nlevel of risk, including operational, reputational and compliance risk. Our\nfailure to manage evolving risks or properly anticipate, manage, control or\nmitigate risks could result in additional losses and adversely affect our results\nof operations.\nRegulatory, Compliance and Legal\nRegulatory, Compliance and Legal\nWe are highly regulated and subject to evolving government legislation\nWe are highly regulated and subject to evolving government legislation\nand regulations and certain settlements, orders and agreements with\nand regulations and certain settlements, orders and agreements with\ngovernment authorities from time to time.\ngovernment authorities from time to time.\nOur businesses are highly regulated and we are subject to evolving and\ncomprehensive regulation under federal and state laws in the U.S. and the\nlaws of the various foreign jurisdictions in which we operate, including\nincreasing and complex economic sanctions regimes. These laws and\nregulations significantly affect and have the potential to restrict the scope of our\nexisting businesses, require changes to our business strategies, limit our\nability to pursue certain business opportunities, including the products and\nservices we offer, reduce certain fees and rates and/or make our products and\nservices more expensive for our clients. We are also required to file various\nfinancial and nonfinancial regulatory reports to comply with laws, rules and\nregulations in the jurisdictions in which we operate, which results in additional\ncompliance risk.\nWe continue to adjust our business and operations, legal entity structure,\ndisclosure and policies, processes, procedures and controls, including with\nregard to capital and liquidity management, risk management and data\nmanagement, in an effort to comply with laws, rules and regulations, as well\nas evolving expectations, guidance and interpretation by regulatory authorities,\nincluding the Department of Treasury (including the Internal Revenue Service\n(IRS) and OFAC), Federal Reserve, OCC, CFPB, Financial Stability Oversight\nCouncil, FDIC, Department of Labor, SEC and CFTC in the U.S., foreign\nregulators, other government authorities and self-regulatory organizations.\nFurther, we expect to become subject to future laws, rules and regulations\nbeyond those currently proposed, adopted or contemplated in the U.S. or\nabroad, as well as evolving interpretations of existing and future laws, rules\nand regulations, which may include policies and rulemaking related to FDIC\nassessments, loss allocations between financial institutions and customers\nwith regard to the use of our products and services, including electronic\npayments, emerging technologies, such as the development and use of AI\nand machine learning, cybersecurity and data, and further climate risk\nmanagement and ESG reporting, including emissions and sustainability\ndisclosure. The cumulative effect of all of the current and possible future\nlegislation and regulations, as well as related interpretations, on our litigation\nand regulatory exposure, businesses, operations and profitability remains\nuncertain and necessitates that we make certain assumptions\nwith respect to the scope and requirements of existing, prospective and\nproposed laws, rules and regulations in our business planning and\nstrategies. If these assumptions prove incorrect, we could be subject to\nincreased regulatory, legal and compliance risks and costs, as well as\npotential reputational harm. Also, U.S. and regulatory initiatives abroad may\noverlap, and non-U.S. regulation and initiatives may be inconsistent or may\nconflict with current or proposed U.S. regulations, which could lead to\ncompliance risks and increased costs.\nOur regulators\u2019 prudential and supervisory authority gives them broad\npower and discretion to direct our actions, and they have assumed an active\noversight, inspection and investigatory role across the financial services\nindustry.", "03e53d98-9b96-4c8d-9515-82786f885f3b": "If these assumptions prove incorrect, we could be subject to\nincreased regulatory, legal and compliance risks and costs, as well as\npotential reputational harm. Also, U.S. and regulatory initiatives abroad may\noverlap, and non-U.S. regulation and initiatives may be inconsistent or may\nconflict with current or proposed U.S. regulations, which could lead to\ncompliance risks and increased costs.\nOur regulators\u2019 prudential and supervisory authority gives them broad\npower and discretion to direct our actions, and they have assumed an active\noversight, inspection and investigatory role across the financial services\nindustry. Regulatory focus is not limited to laws, rules and regulations\napplicable to the financial services industry, but includes other significant\nlaws, rules and regulations that apply across industries and jurisdictions,\nincluding those related to anti-money laundering, anti-bribery, anti-corruption\nknow-your-customer requirements, embargo programs and economic\nsanctions.\nWe are also subject to laws, rules and regulations in the U.S. and abroad,\nincluding the GDPR and CCPA as modified by the CPRA, and a number of\nadditional jurisdictions enacting or considering similar laws or amendments\nto existing laws, regarding privacy and the disclosure, collection, use, sharing\nand safeguarding of personally identifiable information, including our\nemployees, customers, suppliers, counterparties and other third parties, the\nviolation of which could result in litigation, regulatory fines, enforcement\nactions and operational loss. Additionally, we are and will continue to be\nsubject to new and evolving data privacy laws in the U.S. and abroad, which\ncould result in additional costs of compliance, litigation, regulatory fines and\nenforcement actions. There remains complexity and uncertainty, including\npotential suspension or prohibition, regarding data transfer because of\nconcerns over compliance with laws, rules and regulations for cross-border\nflows and transfers of personal data from the European Economic Area (EEA)\nto the U.S. and other jurisdictions outside of the EEA, resulting from judicial\nand regulatory guidance. To the extent that a new EU-U.S. Data Privacy\nFramework leads to a relaxation of applicable legislation and regulations,\nregardless of transfer mechanism, challenges are expected from consumer\nadvocacy groups. Other jurisdictions, including China and India, have\ncommenced consultation efforts or enacted new legislation or regulations to\nestablish standards for personal data transfers. If cross-border personal data\ntransfers are suspended or restricted or we are required to implement distinct\nprocesses for each jurisdiction\u2019s standards, this could result in operational\ndisruptions to our businesses, additional costs, increased enforcement\nactivity, new contract negotiations with third parties, and/or modification of such\ndata management.\nAs part of their enforcement authority, our regulators and other government\nauthorities have the authority to, among other things, conduct investigations\nand assess significant civil or criminal monetary fines, penalties or restitution,\nissue cease and desist orders, suspend or withdraw licenses and\nauthorizations, initiate injunctive action, apply regulatory sanctions or cause us\nto enter into consent orders. The amounts paid by us and other financial\ninstitutions to settle proceedings or investigations have, in some instances,\nbeen substantial and may increase. In some cases, governmental authorities\nhave required criminal pleas or other extraordinary terms as part of such\nresolutions, which could have significant consequences, including\nreputational harm, loss of customers, restrictions on the ability to access\ncapital markets, and the inability to operate certain businesses or offer certain\nproducts.\n17\n17\n \nBank of America", "68ed7f3d-8dd3-4060-af20-4a487aa0aee2": "Our response to regulators and other government authorities may be time-\nconsuming, expensive and divert management attention from our business.\nThe outcome of any matter, which may last years, may be difficult to predict or\nestimate.\nThe terms of settlements, orders and agreements that we have entered\ninto with government entities and regulatory authorities have also imposed, or\ncould impose, significant operational and compliance costs on us with\nrespect to enhancements to our procedures and controls, losses with respect\nto fraudulent transactions perpetrated against our customers, expansion of\nour risk and control functions within our lines of business, investment in\ntechnology and the hiring of significant numbers of additional risk, control and\ncompliance personnel. If we fail to meet the requirements of the regulatory\nsettlements, orders or agreements to which we are subject, or, more\ngenerally, fail to maintain risk and control procedures and processes that\nmeet the heightened standards established by our regulators and other\ngovernment authorities, we could be required to enter into further settlements,\norders or agreements and pay additional fines, penalties or judgments, or\naccept material regulatory restrictions on our businesses.\nImproper actions, behaviors or practices by us, our employees or\nrepresentatives that are illegal, unethical or contrary to our core values could\nharm us, our shareholders or customers or damage the integrity of the\nfinancial markets, and are subject to regulatory scrutiny across jurisdictions.\nThe complexity of the regulatory and enforcement regimes in the U.S., coupled\nwith the global scope of our operations and the regulatory environment\nworldwide, also means that a single event or practice or a series of related\nevents or practices may give rise to a significant number of overlapping\ninvestigations and regulatory proceedings, either by multiple federal and state\nagencies in the U.S. or by multiple regulators and other governmental entities\nin different jurisdictions. Actions by other members of the financial services\nindustry related to business activities in which we participate may result in\ninvestigations by regulators or other government authorities.\nWhile we believe that we have adopted appropriate risk management and\ncompliance programs, compliance risks will continue to exist, particularly as\nwe anticipate and adapt to new and evolving laws, rules and regulations and\nevolving interpretations. We also rely upon third parties who may expose us to\ncompliance and legal risk. Future legislative or regulatory actions, and any\nrequired changes to our business or operations or strategy, or those of third\nparties upon whom we rely, resulting from such developments and actions\ncould result in a significant loss of revenue, impose additional compliance\nand other costs or otherwise reduce our profitability, limit the products and\nservices that we offer or our ability to pursue certain business opportunities,\nrequire us to dispose of certain businesses or assets, require us to curtail\ncertain businesses, affect the value of assets that we hold, necessitate\nchanges in our compensation practices, require us to increase our prices and\ntherefore reduce demand for our products, or otherwise adversely affect our\nbusinesses.\nWe are subject to significant financial and reputational risks from\nWe are subject to significant financial and reputational risks from\npotential liability arising from lawsuits and regulatory and government\npotential liability arising from lawsuits and regulatory and government\naction.\naction.\nWe face significant legal risks in our business, with a high volume of\nclaims against us and other financial institutions. The amount of damages,\npenalties and fines that litigants and regulators seek from us and other\nfinancial institutions continues to be significant. This includes disputes with\nconsumers, customers and other counterparties.\nFinancial institutions, including us, continue to be the subject of claims\nalleging anti-competitive conduct with respect to various products and\nmarkets, including U.S. antitrust class actions claiming joint and several\nliability for treble damages. As disclosed in \nNote 12 \u2013 Commitments and\nContingencies\n to the Consolidated Financial Statements, we also face\ncontractual indemnification and loan-repurchase claims arising from alleged\nbreaches of representations and warranties in the sale of residential\nmortgages by legacy companies, which may result in a requirement that we\nrepurchase the mortgage loans, or make whole or provide other remedies to\ncounterparties.\nU.S.", "da370efb-f01b-452c-bbd4-ee2e179b4e52": "The amount of damages,\npenalties and fines that litigants and regulators seek from us and other\nfinancial institutions continues to be significant. This includes disputes with\nconsumers, customers and other counterparties.\nFinancial institutions, including us, continue to be the subject of claims\nalleging anti-competitive conduct with respect to various products and\nmarkets, including U.S. antitrust class actions claiming joint and several\nliability for treble damages. As disclosed in \nNote 12 \u2013 Commitments and\nContingencies\n to the Consolidated Financial Statements, we also face\ncontractual indemnification and loan-repurchase claims arising from alleged\nbreaches of representations and warranties in the sale of residential\nmortgages by legacy companies, which may result in a requirement that we\nrepurchase the mortgage loans, or make whole or provide other remedies to\ncounterparties.\nU.S. regulators and government agencies regularly pursue enforcement\nclaims against financial institutions, including us, for alleged violations of law\nand customer harm, including under \nthe Financial Institutions Reform,\nRecovery, and Enforcement Act,\n the federal securities laws, the False Claims\nAct, fair lending laws and regulations (including the Equal Credit Opportunity\nAct and the Fair Housing Act), the FCPA, the BSA, regulations issued by OFAC,\nHome Mortgage Disclosure Act, antitrust laws, and consumer protection laws\nand regulations related to products and services such as overdraft and sales\npractices, including prohibitions on unfair, deceptive, and/or abusive acts and\npractices (UDAAP) under the Consumer Financial Protection Act and the\nFederal Trade Commission Act, and EFTA, as well as other enforcement\naction taken by prudential regulators with respect to safety, soundness and\nappropriateness of our business practices. Such claims may carry significant\npenalties, restitution and, in certain cases, treble damages, and the ultimate\nresolution of regulatory inquiries, investigations and other proceedings which\nwe are subject to from time-to-time is difficult to predict.\nT\nhere is also an increased focus on information security. This includes\ncybersecurity incidents perpetrated against us, our customers, providers of\nproducts and services, counterparties and other third parties, the collection,\nuse and sharing of data, and safeguarding of personally identifiable\ninformation and corporate data, as well as the development, implementation,\nuse and management of emerging technologies, including AI and machine\nlearning. Related litigation or government enforcement, including with regard\nto compliance with U.S. and global laws, rules and regulations, could subject\nus to fines, judgments and/or settlements and involve reputational losses.\nAdditionally, misconduct by our employees and representatives, including\nunethical, fraudulent, improper or illegal conduct, the failure to fulfill fiduciary\nobligations, unfair, deceptive, abusive or discriminatory business practices, or\nviolations of policies, procedures, laws, rules or regulations, including conduct\nthat affects compliance with books and records requirements, have resulted\nand could result in further litigation and/or government investigations and\nenforcement actions, and cause significant reputational harm. In particular, we\nare the subject of litigation and regulatory and government inquiries regarding\nour processing of electronic payments, our efforts to detect, prevent and\naddress fraud perpetrated against our customers and/or the handling of fraud-\nrelated disputes, which could result in fines, judgments, and/or settlements,\nas well as adversely affect our businesses and strategies due to the treatment\nof loss allocations between customers and us, all of which could also have an\nadverse impact on other similar products and services. We are also subject to\nincreasing scrutiny of sustainability-related policies, goals, targets and\ndisclosure, which could result in litigation, regulatory investigations and\nactions and reputational harm.\nThe global environment of extensive investigations, regulation, regulatory\ncompliance burdens, litigation and\nBank of America \n18\n18", "75a04f0e-3b1e-4f44-a2b0-486f436202a5": "regulatory enforcement, combined with uncertainty related to the continually\nevolving regulatory environment, have affected and will likely continue to affect\noperational and compliance costs and risks, including the adaptation of\nbusiness strategies and/or limitation or cessation of our ability or feasibility to\ncontinue providing certain products and services. Lawsuits and regulatory\nactions have resulted in and will likely continue to result in judgments, orders,\nsettlements, penalties and fines adverse to us. Further, we \nentered into orders\nwith certain government agencies regarding credit card sales and marketing\npractices and the representment of non-sufficient fund fees, as well as our\nparticipation in implementing government relief measures related to the\nCOVID-19 pandemic and other federal and state government assistance\nprograms, including the processing of unemployment benefits for California\nand certain other states, and continue to be involved in related litigation that\nmay result in judgments and/or settlements. \nLitigation and investigation costs,\nsubstantial legal liability or significant regulatory or government action against\nus could adversely affect our businesses, financial condition, including\nliquidity, and results of operations, and/or cause significant reputational harm.\nU.S. federal banking agencies may require us to increase our regulatory\nU.S. federal banking agencies may require us to increase our regulatory\ncapital, total loss-absorbing capacity (TLAC), long-term debt or liquidity\ncapital, total loss-absorbing capacity (TLAC), long-term debt or liquidity\nrequirements.\nrequirements.\nWe are subject to U.S. regulatory capital and liquidity rules. These rules,\namong other things, establish minimum requirements to qualify as a well-\ncapitalized institution. If any of our subsidiary insured depository institutions\nfail to maintain their status as well capitalized under the applicable regulatory\ncapital rules, the Federal Reserve will require us to agree to bring the insured\ndepository institution back to well-capitalized status. For the duration of such\nan agreement, the Federal Reserve may impose restrictions on our activities.\nIf we were to fail to enter into or comply with such an agreement, \nthe Federal\nReserve may impose more severe restrictions on our activities, including\nrequiring us to cease and desist activities permitted under the Bank Holding\nCompany Act of 1956.\nCapital and liquidity requirements are frequently introduced and amended.\nRegulators may increase regulatory capital requirements, including TLAC and\nlong-term debt requirements, change how regulatory capital or RWA is\ncalculated or increase liquidity requirements. In 2023, U.S. banking regulators\nissued proposals to revise the calculation of the G-SIB surcharge and TLAC\nand long-term debt requirements. Our ability to return capital to our\nshareholders depends in part on our ability to maintain regulatory capital\nlevels above minimum requirements plus buffers. To the extent that increases\noccur in our SCB, G-SIB surcharge or countercyclical capital buffer, our returns\nof capital to shareholders, including common stock dividends and common\nstock repurchases, could decrease. For example, our G-SIB surcharge\nincreased by 50 bps to 3.0 percent on January 1, 2024. The Federal Reserve\ncould also limit or prohibit capital actions, such as paying or increasing\ndividends or repurchasing common stock, as a result of economic disruptions\nor events.\nAs part of its annual CCAR, we are subject to extensive regulatory\nevaluation of capital planning practices by the Federal Reserve, including\nstress testing on parts of our business using hypothetical economic\nscenarios prepared by the Federal Reserve. Those scenarios may affect our\nCCAR stress test results, which may impact our SCB level, requiring us to\nhold additional capital or causing changes in required capital buffers.\nA significant component of regulatory capital ratios is calculating our RWA\nand our leverage exposure. In July 2023, U.S. banking regulators issued a\nnotice of proposed rulemaking to revise several key methodologies for\nmeasuring RWA,\nincluding a standardized approach for operational risk, revised market risk and\ncredit risk requirements and removal of the use of certain internal models,\nwhich would increase our regulatory capital requirements, if adopted as\nproposed. Economic disruptions or events may also cause an increase in our\nbalance sheet, RWA or leverage exposures, increasing required regulatory\ncapital and liquidity amounts.\nChanges to and compliance with the regulatory capital and liquidity\nrequirements may impact our operations by requiring us to liquidate assets,\nincrease borrowings, issue additional equity or other securities, reduce the\namount of common stock repurchases or dividends, cease or alter certain\noperations, pricing strategies and business activities or hold highly liquid\nassets, which may adversely affect our results of operations.", "86c1a7a6-bbbb-44e2-a243-cf8f911daffa": "A significant component of regulatory capital ratios is calculating our RWA\nand our leverage exposure. In July 2023, U.S. banking regulators issued a\nnotice of proposed rulemaking to revise several key methodologies for\nmeasuring RWA,\nincluding a standardized approach for operational risk, revised market risk and\ncredit risk requirements and removal of the use of certain internal models,\nwhich would increase our regulatory capital requirements, if adopted as\nproposed. Economic disruptions or events may also cause an increase in our\nbalance sheet, RWA or leverage exposures, increasing required regulatory\ncapital and liquidity amounts.\nChanges to and compliance with the regulatory capital and liquidity\nrequirements may impact our operations by requiring us to liquidate assets,\nincrease borrowings, issue additional equity or other securities, reduce the\namount of common stock repurchases or dividends, cease or alter certain\noperations, pricing strategies and business activities or hold highly liquid\nassets, which may adversely affect our results of operations.\nChanges in accounting standards or assumptions in applying accounting\nChanges in accounting standards or assumptions in applying accounting\npolicies could adversely affect us.\npolicies could adversely affect us.\nAccounting policies and methods are fundamental to how we record and\nreport our financial condition and results of operations. Some of these policies\nrequire the use of estimates and assumptions that may affect the reported\nvalue of our assets or liabilities and results of operations and are critical\nbecause they require management to make difficult, subjective and complex\njudgments about matters that are inherently uncertain. If assumptions,\nestimates or judgments are erroneously applied, we could be required to\ncorrect and restate prior-period financial statements. Accounting standard-\nsetters and those who interpret the accounting standards, including the SEC,\nbanking regulators and our independent registered public accounting firm may\nalso amend or even reverse their previous interpretations or positions on how\nvarious standards should be applied. These changes may be difficult to\npredict and could impact the preparation and reporting of our financial\nstatements, including the application of new or revised standards\nretrospectively, resulting in revisions to prior-period financial statements.\nWe may be adversely affected by changes in U.S. and non-U.S. tax laws\nWe may be adversely affected by changes in U.S. and non-U.S. tax laws\nand regulations.\nand regulations.\nGovernmental authorities in the U.S. and/or other countries could further\nchange tax laws in a way that would materially adversely affect us, including\nchanges to the Tax Cuts and Jobs Act of 2017 and Inflation Reduction Act of\n2022. Also, new guidelines issued by the Organization for Economic\nCooperation and Development (OECD), which are currently being enacted into\nlaw in some OECD countries in which we operate, are expected to impose a\n15 percent global minimum tax on a country-by-country basis. Any\nimplementation of and/or change in tax laws and regulations or interpretations\nof current or future tax laws and regulations could materially adversely affect\nour effective tax rate, tax liabilities and results of operations. U.S. and foreign\ntax laws are complex and our judgments, interpretations or applications of\nsuch tax laws could differ from that of the relevant governmental authority. This\ncould result in additional tax liabilities and interest, penalties, the reduction of\ncertain tax benefits and/or the requirement to make adjustments to amounts\nrecorded, which could be material.\nAdditionally, we have U.K. net deferred tax assets (DTA) which consist\nprimarily of net operating losses that are expected to be realized by certain\nsubsidiaries over an extended number of years. Adverse developments with\nrespect to tax laws or to other material factors, such as prolonged worsening\nof Europe\u2019s capital markets or changes in the ability of our U.K. subsidiaries to\nconduct business in the EU, could lead our management to reassess and/or\nchange its current conclusion that no valuation allowance is necessary with\nrespect to our U.K. net DTA.\n19\n19\n \nBank of America", "e1ac5013-834a-4c28-a734-d48fa68b6ea7": "Reputation\nReputation\nDamage to our reputation could harm our businesses, including our\nDamage to our reputation could harm our businesses, including our\ncompetitive position and business prospects.\ncompetitive position and business prospects.\nOur ability to attract and retain customers, clients, investors and employees\nis impacted by our reputation. Harm to our reputation can arise from various\nsources, including actual or perceived activities of our officers, directors,\nemployees, other representatives, customers and third parties, including\ncounterparties, such as fraud, misconduct and unethical behavior (such as\nemployees\u2019 sales practices), adequacy of our ability to detect, prevent and/or\nrespond to fraud perpetrated against our customers, and the handling of\nrelated disputes with regard to the use of our products and services, including\nelectronic payments, effectiveness of our internal controls, the fees charged to\nour customers, including overdraft and non-sufficient fund fees, compensation\npractices, lending practices, suitability or reasonableness of particular trading\nor investment strategies, the reliability of our research and models and\nprohibiting clients from engaging in certain transactions.\nOur reputation may also be harmed by actual or perceived failure to deliver\nthe products and standards of service and quality expected by our customers,\nclients and the community, including the overstatement or mislabeling of the\nenvironmental benefits of our products, services or transactions, the failure to\nprotect our customers and/or recognize and address customer complaints,\ncompliance failures, technology changes, the implementation, management\nand/or use of emerging technologies, including quantum computing, AI and\nmachine learning, the failure to maintain effective data management,\ncybersecurity incidents and information and security breaches affecting us and\nour \nthird parties, \nwhich have occurred and we expect to continue to experience\nwith increased frequency and severity due to the evolving threat environment,\nprolonged or repeated system outages, the Corporation\u2019s privacy policies, the\nunintended disclosure of or failure to safeguard personal, proprietary or\nconfidential information, the breach of the Corporation\u2019s fiduciary obligations\nand handling of the emergence or continuation of health emergencies and\npandemics. Our reputation may be also be harmed by litigation and/or\nregulatory matters and their outcomes, relating to the topics discussed above\nor otherwise. For example, we entered into orders with certain government\nagencies regarding credit card sales and marketing practices and the\nrepresentment of non-sufficient fund fees, as well as our processing of\nunemployment benefits for California and certain other states, and continue to\nbe involved in related litigation, which may result in judgments and/or\nsettlements. Challenges to our ESG practices and disclosures, and those of\nour customers and third parties, including from diverging views regarding\nESG-related practices and disclosures may also harm our reputation.\nIncreases in market interest rates have resulted in increased focus on\nasset and liability management, including HTM and AFS securities and related\nunrealized losses. Perceptions of our liquidity and financial condition, actions\nby the financial services industry generally, or by certain members or\nindividuals in the industry may harm our reputation. Adverse publicity or\nnegative information posted on social media by employees, the media or\notherwise, whether or not factually correct, may adversely impact our business\nprospects and results of operations.\nWe are subject to complex and evolving laws, regulations and\ninterpretations regarding fair lending activity, UDAAP, electronic funds\ntransfers, know-your-customer requirements, data protection and privacy,\nincluding the GDPR and the CCPA as modified by the CPRA, cross-border\ndata movement,\ncybersecurity and other matters, as well as evolving and expansive\ninterpretations of these laws and regulations. Principles concerning the\nappropriate scope of consumer and commercial privacy vary considerably in\ndifferent jurisdictions, and regulatory and public expectations regarding the\ndefinition and scope of consumer and commercial privacy may remain fluid.\nThese laws may be interpreted and applied by various jurisdictions in a\nmanner inconsistent with our current or future practices, or with one another. If\npersonal, confidential or proprietary information of customers in our\npossession, or in the possession of third parties or financial data\naggregators, is mishandled, misused or mismanaged, or if we do not timely\nor adequately address such information, we may face regulatory, legal and\noperational risks, which could adversely affect our reputation, financial\ncondition and results of operations.\nWe could suffer reputational harm if we fail to properly identify and manage\npotential conflicts of interest. Management of potential conflicts of interest has\nbecome increasingly complex as we expand our business activities through\nmore numerous transactions, obligations and interests with and among our\nclients.", "dbe81e9d-5afe-4b8b-b08d-6396ad719b21": "These laws may be interpreted and applied by various jurisdictions in a\nmanner inconsistent with our current or future practices, or with one another. If\npersonal, confidential or proprietary information of customers in our\npossession, or in the possession of third parties or financial data\naggregators, is mishandled, misused or mismanaged, or if we do not timely\nor adequately address such information, we may face regulatory, legal and\noperational risks, which could adversely affect our reputation, financial\ncondition and results of operations.\nWe could suffer reputational harm if we fail to properly identify and manage\npotential conflicts of interest. Management of potential conflicts of interest has\nbecome increasingly complex as we expand our business activities through\nmore numerous transactions, obligations and interests with and among our\nclients. The actual or perceived failure to adequately address conflicts of\ninterest could affect the willingness of clients to use our products and\nservices, or result in litigation or enforcement actions, which could adversely\naffect our business.\nOur actual or perceived failure to address these and other issues, such as\noperational risks, could give rise to reputational risk that could harm us and\nour business prospects, including the attraction and retention of customers\nand employees. Failure to appropriately address any of these issues could\nalso give rise to additional regulatory restrictions, legal risks and reputational\nharm, which could, among other consequences, increase the size and\nnumber of litigation claims and damages asserted or subject us to\nenforcement actions, fines and penalties, and cause us to incur related costs\nand expenses.\nOther\nOther\nReforms to benchmarks may adversely affect our reputation, business,\nReforms to benchmarks may adversely affect our reputation, business,\nfinancial condition and results of operations.\nfinancial condition and results of operations.\nRisks and challenges associated with reference rate reform, including the\npotential replacement of benchmark rates with ARRs (e.g., the expected\ncessation of BSBY), could expose us to various financial, operational,\nsupervisory, conduct and legal risk.\nUsage of ARRs for impacted benchmarks may vary across or within\ncategories of contracts, products and services, potentially resulting in market\nfragmentation, decreased trading volumes and liquidity, increased complexity\nand modeling and operational risks. ARRs may have compositions and\ncharacteristics that differ from replaced benchmarks, including limited liquidity\nand less predictable performance over time. Any mismatch between the\nadoption of ARRs in loans, securities and derivatives markets may impact\nhedging or other financial arrangements we have implemented, resulting in\nunanticipated market exposures. Transition to ARRs may adversely affect the\nyield on loans or securities held by us, amounts paid on our securities and\nreceived and paid on derivatives we have entered into, the value of such loans,\nsecurities or derivative instruments, the trading market for such products and\ncontracts, and our effective use of hedging instruments to manage risk. There\nis no assurance that impacted benchmarks will transition to ARRs without\ndelay or potential disputes.\nThe transition of any products using impacted benchmarks (Impacted\nProducts) that do not include fallback provisions or adequate fallback\nmechanisms may require additional efforts to modify their terms, and may be\nmore challenging to modify if all\nBank of America \n20\n20", "1a924003-c009-4a42-829a-103241e0c37c": "impacted parties are required to consent to such modification. Litigation or\nother disputes may occur as a result of the interpretation or application of any\ntransition-related legislation or regulations adopted in the U.S. and/or foreign\njurisdictions, including if the laws or regulations in jurisdictions overlap.\nImpacted Products may contain language giving the Corporation discretion\nto determine the successor rate (including the applicable spread adjustment)\nto the existing benchmark. We may face a risk of litigation, disputes or other\nactions from customers, counterparties, investors or others based on various\nclaims, for example, that we incorrectly interpreted or enforced contract\nprovisions, failed to appropriately communicate the transition effects of ARRs\nto existing and future products, treated affected parties unfairly or made\ninappropriate product recommendations to or investments on behalf of our\nclients, engaged in anti-competitive behavior or unlawfully manipulated\nmarkets or benchmarks.\nARR-based products that we develop, launch and/or support may perform\ndifferently from Impacted Products during times of economic stress, adverse\nor volatile market conditions and across the credit and economic cycle, which\nmay impact the value, return on and profitability of our ARR-based assets. New\nfinancial products linked to ARRs may have additional legal, financial,\naccounting, tax, operational, market, compliance, reputational, competitive or\nother risks to us, our customers and other market participants. Scrutiny by\nbanking regulators in the U.S. and globally on transition plans, preparations\nand readiness could result in regulatory action, litigation and/or the need to\nchange the products offered by our businesses.\nWe face significant and increasing competition in the financial services\nWe face significant and increasing competition in the financial services\nindustry.\nindustry.\nWe operate in a highly competitive environment and experience intense\ncompetition from local and global bank and nonbank financial institutions and\nnew entrants in domestic and foreign markets. There is increasing pressure\nto provide products and services on more attractive terms, including lower fees\nand higher interest rates on deposits, and lower cost investment strategies,\nwhich may impact our ability to effectively compete. The current and changing\nregulatory environment may also create competitive disadvantages, including\nfrom more stringent regulatory requirements applicable to the Corporation.\nEmerging technologies and the growth of e-commerce have lowered\ngeographic and monetary barriers of other financial institutions, made it easier\nfor non-depository institutions to offer traditional banking products and\nservices and allowed non-traditional financial service providers and\ntechnology companies to compete with traditional financial service companies\nin providing electronic and internet-based financial solutions and services,\nincluding electronic securities trading with low or no fees and commissions,\nmarketplace lending, financial data aggregation and payment processing\nservices, including real-time payment platforms. Further, clients may choose\nto conduct business with other market participants who engage in business or\noffer products in areas we deem speculative or risky as an alternative to\ntraditional banking products. Increased competition may reduce our market\nshare, net interest margin and revenues from our fee-based products and\nservices and negatively affect our earnings, including by pressuring us to\nlower pricing or credit standards, requiring additional investment to improve\nthe quality and delivery of our technology and/or affecting the willingness of our\nclients to do business with us.\nOur inability to adapt our business strategies, products and services\nOur inability to adapt our business strategies, products and services\ncould harm our business.\ncould harm our business.\nWe rely on a diversified mix of businesses that deliver a broad range of\nfinancial products and services through multiple\ndistribution channels. Our success depends on our and our third-party\nproviders\u2019 ability to timely adapt our business strategies, products and\nservices and their respective features, including available payment processing\nservices and technology to rapidly evolving industry standards and consumer\npreferences. Our strategies could be further impacted by macroeconomic\nstress, widespread health emergencies or pandemics, cyberattacks, and\nmilitary conflicts or other significant geopolitical events.\nThe widespread adoption and rapid evolution of emerging technologies,\nincluding analytic capabilities, self-service digital trading platforms and\nautomated trading markets, internet services, and digital assets, such as\ncentral bank digital currencies, cryptocurrencies (including stablecoins),\ntokens and other cryptoassets that utilize distributed ledger technology (DLT),\nas well as payment, clearing and settlement processes that use DLT, create\nadditional strategic risks, could negatively impact our ability to compete and\nrequire substantial expenditures to the extent we were to modify or adapt our\nexisting products and services. As such new technologies evolve and mature,\nour businesses and results of operations could be adversely impacted,\nincluding as a result of the introduction of new competitors to the payment\necosystem and increased volatility in deposits and/or significant long-term\nreduction in deposits (i.e., financial disintermediation).", "11a8cf70-38ae-441b-8123-910f5a8a255f": "The widespread adoption and rapid evolution of emerging technologies,\nincluding analytic capabilities, self-service digital trading platforms and\nautomated trading markets, internet services, and digital assets, such as\ncentral bank digital currencies, cryptocurrencies (including stablecoins),\ntokens and other cryptoassets that utilize distributed ledger technology (DLT),\nas well as payment, clearing and settlement processes that use DLT, create\nadditional strategic risks, could negatively impact our ability to compete and\nrequire substantial expenditures to the extent we were to modify or adapt our\nexisting products and services. As such new technologies evolve and mature,\nour businesses and results of operations could be adversely impacted,\nincluding as a result of the introduction of new competitors to the payment\necosystem and increased volatility in deposits and/or significant long-term\nreduction in deposits (i.e., financial disintermediation). Also, we may not be as\ntimely or successful in accurately assessing the competitive landscape and\ndeveloping or introducing new products and services, integrating new\nproducts or services into our existing offerings, responding, managing or\nadapting to changes in consumer behavior, preferences, spending, investing\nand/or saving habits, achieving market acceptance of our products and\nservices, reducing costs in response to pressures to deliver products and\nservices at lower prices or sufficiently developing and maintaining customers.\nOur or our third-party providers\u2019 inability or resistance to timely innovate or\nadapt its operations, products and services to evolving regulatory and market\nenvironments, industry standards and consumer preferences could result in\nservice disruptions and harm our business and adversely affect our results of\noperations and reputation.\nWe could suffer operational, reputational and financial harm if our\nWe could suffer operational, reputational and financial harm if our\nmodels fail to properly anticipate and manage risk.\nmodels fail to properly anticipate and manage risk.\nWe use models extensively to forecast losses, project revenue and\nexpenses, assess and control our operations and financial condition, assist in\ncapital planning, manage liquidity and measure, forecast and assess capital\nand liquidity requirements for credit, market, operational and strategic risks.\nUnder our Enterprise Model Risk Policy, Model Risk Management is required\nto perform model oversight, including independent validation before initial use,\nongoing monitoring reviews through outcomes analysis and benchmarking,\nand periodic revalidation. However, models are subject to inherent limitations\nfrom simplifying assumptions, uncertainty regarding economic and financial\noutcomes, and emerging risks from applications that rely on AI or machine\nlearning.\nOur models may not be sufficiently predictive of future results due to limited\nhistorical patterns, extreme or unanticipated market movements or customer\nbehavior and liquidity, especially during severe market downturns or stress\nevents (e.g., geopolitical or pandemic events), which could limit their\neffectiveness and require timely recalibration. The models that we use to\nassess and control our market risk exposures also reflect assumptions about\nthe degree of correlation among prices of various asset classes or other\nmarket indicators, which may not be representative of the next downturn and\nwould magnify the limitations inherent in using historical data to\n21\n21\n \nBank of America", "23754f4f-5ab5-47ae-b6b8-764eaaed8d4b": "manage risk. Market conditions in recent years have involved unprecedented\ndislocations and highlight the limitations inherent in using historical data to\nmanage risk. Our models may also be adversely impacted by human error\nand may not be effective if we fail to properly oversee and review them at\nregular intervals and detect their flaws during our review and monitoring\nprocesses, they contain erroneous data, assumptions, valuations, formulas or\nalgorithms or our applications running the models do not perform as\nexpected. Regardless of the steps we take to help confirm effective controls,\ngovernance, monitoring and testing, and implement new technology and\nautomated processes, we could suffer operational, reputational and financial\nharm, including funding or liquidity shortfalls, if models fail to properly\nanticipate and manage risks.\nFailure to properly manage data may result in our inability to manage\nFailure to properly manage data may result in our inability to manage\nrisk and business needs, errors in our operations, critical reporting and\nrisk and business needs, errors in our operations, critical reporting and\nstrategic decision-making, inaccurate reporting and non-compliance\nstrategic decision-making, inaccurate reporting and non-compliance\nwith laws, rules and regulations.\nwith laws, rules and regulations.\nWe rely on our ability to manage and process data in an accurate, timely\nand complete manner, including capturing, transporting, aggregating, using,\ntransmitting data externally, and retaining and protecting data appropriately.\nWhile we continually update our policies, programs, processes and practices\nand implement emerging technologies, such as automation, AI, machine\nlearning and robotics, our data management processes may not be effective\nand are subject to weaknesses and failures, including human error, data\nlimitations, process delays, system failure or failed controls. Failure to properly\nmanage data effectively in an accurate, timely and complete manner may\nadversely impact its quality and reliability and our ability to manage current and\nemerging risk, produce accurate financial and/or nonfinancial, regulatory,\noperational and ESG reporting, detect or surveil potential misconduct or non-\ncompliance with laws, rules and regulations, and to manage changing\nbusiness needs, strategic decision-making, resolution strategy and\noperations. The failure to establish and maintain effective, efficient and\ncontrolled data management could adversely impact our ability to develop our\nproducts and relationships with customers, increase regulatory risk and\noperational losses, and damage our reputation.\nOur operations, businesses and customers could be adversely affected\nOur operations, businesses and customers could be adversely affected\nby the impacts related to climate change.\nby the impacts related to climate change.\nClimate change and related environmental sustainability matters present\nshort-term and long-term risks. The physical risks include an increase in the\nfrequency and severity of extreme weather events and natural disasters,\nincluding floods, wildfires, hurricanes and tornados, and chronic longer-term\nshifts such as rising average global temperatures and sea levels. Such\ndisasters and effects could adversely impact our facilities, employees and\ncustomers\u2019 ability to repay outstanding loans, disrupt the operations of us and\nour customers or third parties, cause supply chain or distribution network\ndisruptions, damage collateral and/or result in market volatility, rapid deposit\noutflows or drawdowns of credit facilities, the deterioration of the value of\ncollateral or insurance shortfalls.\nThere is also increasing risk related to the transition to a low-carbon\neconomy. Changes in consumer preferences or financial condition of our\ncustomers and counterparties, market pressures, advancements in\ntechnology and additional legislation, regulatory, compliance and legal\nrequirements could alter our strategic planning and the scope of our existing\nbusinesses, limit our ability to pursue certain business activities and offer\ncertain products and services, amplify credit and market risks, negatively\nimpact asset values, require capital expenditures and changes in technology\nand markets, including\nsupply chain and insurance availability and cost, increase expenses, impact\ncapital requirements and adversely impact our results of operations. In\nparticular, there is an increasing global regulatory focus, including state,\nfederal and non-U.S. jurisdictions, on climate change resulting in new or\nheightened regulatory requirements, with potential jurisdictional divergence,\nwhich is expected to increase our legal, compliance and public disclosure\nrisks and costs in the U.S. and globally.\nOur climate change strategies, policies, and disclosures, our ability to\nachieve our climate-related goals, targets and commitments and/or the\nenvironmental or climate impacts attributable to our products, services or\ntransactions will likely result in heightened legal and compliance risk and\ncould result in reputational harm as a result of negative public sentiment,\nregulatory scrutiny, litigation and reduced investor and stakeholder confidence.", "e5877025-04fd-4529-85cb-228ea114a9c6": "In\nparticular, there is an increasing global regulatory focus, including state,\nfederal and non-U.S. jurisdictions, on climate change resulting in new or\nheightened regulatory requirements, with potential jurisdictional divergence,\nwhich is expected to increase our legal, compliance and public disclosure\nrisks and costs in the U.S. and globally.\nOur climate change strategies, policies, and disclosures, our ability to\nachieve our climate-related goals, targets and commitments and/or the\nenvironmental or climate impacts attributable to our products, services or\ntransactions will likely result in heightened legal and compliance risk and\ncould result in reputational harm as a result of negative public sentiment,\nregulatory scrutiny, litigation and reduced investor and stakeholder confidence.\nDue to divergent views of stakeholders, we are at increased risk that any\naction, or lack thereof, by us concerning our response to climate change will\nbe perceived negatively by some stakeholders, which could adversely impact\nour reputation and businesses. Our ability to meet our climate-related goals,\ntargets and commitments, including our goal to achieve certain greenhouse\ngas (GHG) emissions targets by 2030 and net zero GHG emissions in our\nfinancing activities, operations and supply chain before 2050, is subject to\nrisks and uncertainties, many of which are outside of our control, such as\ntechnological advances, clearly defined roadmaps for industry sectors, public\npolicies and better emissions data reporting, and ongoing engagement with\ncustomers, suppliers, investors, government officials and other stakeholders.\nDue to the evolving nature of climate-related risks, which are expected to\nincrease over time, it is difficult to predict, identify, monitor and effectively\nmitigate climate-related risks and uncertainties.\nFurthermore, there are and will continue to be challenges related to the\navailability and capturing, measuring, verifying, analyzing and disclosing\nclimate-related data, including data obtained from third parties, which may\nresult in legal, compliance and/or reputational harm.\nOur ability to attract, develop and retain qualified employees is critical\nOur ability to attract, develop and retain qualified employees is critical\nto our success, business prospects and competitive position.\nto our success, business prospects and competitive position.\nOur performance and competitive position is heavily dependent on the\ntalents, development and efforts of highly skilled individuals. Competition for\nqualified personnel is intense from within and outside the financial services\nindustry.\nOur competitors include global institutions and institutions subject to\ndifferent compensation and hiring regulations than those imposed on U.S.\ninstitutions and financial institutions. Also, our ability to attract, develop and\nretain employees could be impacted by changing workforce concerns,\nexpectations, practices and preferences (including remote work), and\nincreasing labor shortages and competition for labor, which could increase\nlabor costs.\nIn order to attract and retain qualified personnel, we must provide market-\nlevel compensation. As a large financial and banking institution, we are and\nmay become subject to additional limitations on compensation practices by\nthe Federal Reserve, the OCC, the FDIC and other regulators globally, which\nmay or may not affect our competitors. Furthermore, because a substantial\nportion of compensation paid to many of our employees is long-term equity-\nbased awards based on the value of our common stock, declines in our\nprofitability or outlook could adversely affect the ability to attract and retain\nemployees. If we are unable to continue to attract, develop and retain qualified\nindividuals, our business prospects and competitive position could be\nadversely affected.\nBank of America \n22\n22", "12dba9c4-de47-48e8-bec8-135e330a35c4": "Item 1B. \nItem 1B. \nUnresolved Staff Comments\nUnresolved Staff Comments\nNone\nItem 1C. \nItem 1C. \nCybersecurity\nCybersecurity\nSee Compliance and Operational Risk Management in the MD&A beginning on page 79, which is incorporated herein by reference.\nItem 2. \nItem 2. \nProperties\nProperties\nAs of December 31, 2023, certain principal offices and other materially important properties consisted of the following:\nFacility Name\nFacility Name\nLocation\nLocation\nGeneral Character of the Physical Property\nGeneral Character of the Physical Property\nPrimary Business Segment\nPrimary Business Segment\nProperty Status\nProperty Status\nProperty Square\nProperty Square\nFeet \nFeet \nBank of America Corporate\nBank of America Corporate\nCenter\nCenter\nCharlotte, NC\n60 Story Building\nPrincipal Executive Offices\nOwned\n1,212,177\nBank of America Tower at One\nBank of America Tower at One\nBryant Park\nBryant Park\nNew York, NY\n55 Story Building\nGWIM, Global Banking \nand\n Global Markets\nLeased \n1,939,431\n Bank of America Financial\n Bank of America Financial\nCentre\nCentre\nLondon, UK\n3 Building Campus\nGlobal Banking\n and \nGlobal Markets\nLeased\n510,171\nCheung Kong Center\nCheung Kong Center\nHong Kong\n62 Story Building\nGlobal Banking\n and \nGlobal Markets\nLeased\n149,790\nFor leased properties, property square feet represents the square footage occupied by the Corporation.\nThe Corporation has a 49.9 percent joint venture interest in this property.\nWe own or lease approximately 65.9 million square feet in over 20,000\nfacilities and ATM locations globally, including approximately 60.3 million\nsquare feet in the U.S. (all 50 states and the District of Columbia, the U.S.\nVirgin Islands, Puerto Rico and Guam) and approximately 5.6 million square\nfeet in more than 35 countries.\nWe believe our owned and leased properties are adequate for our\nbusiness needs and are well maintained. We continue to evaluate our owned\nand leased real estate and may determine from time to time that certain of our\npremises and facilities, or ownership \nstructures, \nare \nno \nlonger \nnecessary \nfor\nour\noperations. In connection therewith, we regularly evaluate the sale or\nsale/leaseback of certain properties, and we may incur costs in connection\nwith any such transactions.\nItem 3. \nItem 3. \nLegal Proceedings\nLegal Proceedings\nSee Litigation and Regulatory Matters in \nNote 12 \u2013 Commitments and\nContingencies\n to the Consolidated Financial Statements, which is\nincorporated herein by reference.\nItem 4. \nItem 4. \nMine Safety Disclosures\nMine Safety Disclosures\nNone\nPart II\nBank of America Corporation and Subsidiaries\nItem 5. \nItem 5. \nMarket for Registrant\u2019s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity\nMarket for Registrant\u2019s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity\nSecurities\nSecurities\nThe principal market on which our common stock is traded is the New York\nStock Exchange under the symbol \u201cBAC.\u201d As of February 16, 2024, there were\n137,369 registered shareholders of common stock.\nThe table below presents common share repurchase activity for the three\nmonths ended December 31, 2023. The primary source \nof \nfunds \nfor cash\ndistributions by the Corporation to its\nshareholders is dividends received from its bank subsidiaries. Each of the\nbank subsidiaries is subject to various regulatory policies and requirements\nrelating to the payment of dividends, including requirements to maintain\ncapital above regulatory minimums. All of the Corporation\u2019s preferred stock\noutstanding has preference over the Corporation\u2019s common stock with respect\nto payment of dividends.", "b8c67b11-1645-470d-92f5-eb36f565f076": "The table below presents common share repurchase activity for the three\nmonths ended December 31, 2023. The primary source \nof \nfunds \nfor cash\ndistributions by the Corporation to its\nshareholders is dividends received from its bank subsidiaries. Each of the\nbank subsidiaries is subject to various regulatory policies and requirements\nrelating to the payment of dividends, including requirements to maintain\ncapital above regulatory minimums. All of the Corporation\u2019s preferred stock\noutstanding has preference over the Corporation\u2019s common stock with respect\nto payment of dividends.\n(Dollars in millions, except per share information; shares in thousands)\nTotal Common Shares\nPurchased \nWeighted-Average\nPer Share Price\nTotal Shares\nPurchased as\nPart of Publicly\nAnnounced Programs \nRemaining Buyback\nAuthority Amounts\nOctober 1 - 31, 2023\n10,251 \n$\n26.85 \n10,242 \n$\n13,278 \nNovember 1 - 30, 2023\n9,413 \n28.15 \n9,275 \n13,017 \nDecember 1 - 31, 2023\n8,676 \n31.79 \n8,650 \n12,742 \nThree months ended December 31, 2023\nThree months ended December 31, 2023\n28,340\n28,340\n \n28.79\n28.79\n \n28,167\n28,167\n \nIncludes 173 thousand shares of the Corporation's common stock acquired by the Corporation in connection with satisfaction of tax withholding obligations on vested restricted stock or restricted stock units and certain forfeitures and terminations of employment-\nrelated awards and for potential re-issuance to certain employees under equity incentive plans.\nIn October 2021, the Corporation\u2019s Board of Directors (Board) authorized the repurchase of up to $25 billion of common stock over time (October 2021 Authorization). Additionally, the Board authorized repurchases to offset shares awarded under equity-based\ncompensation plans. In September 2023, the Board modified the October 2021 Authorization, effective October 1, 2023, to include repurchases to offset shares awarded under equity-based compensation plans when determining the remaining repurchase authority.\nDuring the three months ended December 31, 2023, pursuant to the Board\u2019s authorizations, the Corporation repurchased approximately 28 million shares, or $811 million, of its common stock, including repurchases to offset shares awarded under equity-based\ncompensation plans. For more information, see Capital Management - CCAR and Capital Planning in the MD&A on page 47 and \nNote 13 \u2013 Shareholders\u2019 Equity\n to the Consolidated Financial Statements.\nThe Corporation did not have any unregistered sales of equity securities during the three months ended December 31, 2023.\nItem 6. \nItem 6. \n[Reserved]\n[Reserved]\n(1)\n(1)\n(2)\n(1)\n(2)\n(1,2)\n(2)\n(1)\n(2)\n23\n23\n \nBank of America", "8ef54296-50ad-4f3a-a236-917f819830e5": "Item 7. Bank of America Corporation and Subsidiaries\nItem 7. Bank of America Corporation and Subsidiaries\nManagement's Discussion and Analysis of Financial Condition and Results of Operations\nManagement's Discussion and Analysis of Financial Condition and Results of Operations\nTable of Contents\nTable of Contents\nPage\nExecutive Summary\n26\nRecent Developments\n26\nFinancial Highlights\n26\nBalance Sheet Overview\n28\nSupplemental Financial Data\n29\nBusiness Segment Operations\n34\nConsumer Banking\n35\nGlobal Wealth & Investment Management\n37\nGlobal Banking\n39\nGlobal Markets\n41\nAll Other\n43\nManaging Risk\n44\nStrategic Risk Management\n47\nCapital Management\n47\nLiquidity Risk\n52\nCredit Risk Management\n57\nConsumer Portfolio Credit Risk Management\n58\nCommercial Portfolio Credit Risk Management\n62\nNon-U.S. Portfolio\n68\nLoan and Lease Contractual Maturities\n70\nAllowance for Credit Losses\n71\nMarket Risk Management\n73\nTrading Risk Management\n74\nInterest Rate Risk Management for the Banking Book\n77\nMortgage Banking Risk Management\n79\nCompliance and Operational Risk Management\n79\nReputational Risk Management\n80\nClimate Risk Management\n81\nComplex Accounting Estimates\n82\nNon-GAAP Reconciliations\n85\nBank of America \n24\n24", "f51b017b-111b-440b-8757-425a5b1256ba": "Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations\nManagement\u2019s Discussion and Analysis of Financial Condition and Results of Operations\nBank of America Corporation (the Corporation) and its management may\nmake certain statements that constitute \u201cforward-looking statements\u201d within the\nmeaning of the Private Securities Litigation Reform Act of 1995. These\nstatements can be identified by the fact that they do not relate strictly to\nhistorical or current facts. Forward-looking statements often use words such as\n\u201canticipates,\u201d \u201ctargets,\u201d \u201cexpects,\u201d \u201chopes,\u201d \u201cestimates,\u201d \u201cintends,\u201d \u201cplans,\u201d\n\u201cgoals,\u201d \u201cbelieves,\u201d \u201ccontinue\u201d and other similar expressions or future or\nconditional verbs such as \u201cwill,\u201d \u201cmay,\u201d \u201cmight,\u201d \u201cshould,\u201d \u201cwould\u201d and \u201ccould.\u201d\nForward-looking statements represent the Corporation\u2019s current expectations,\nplans or forecasts of its future results, revenues, liquidity, net interest income,\nprovision for credit losses, expenses, efficiency ratio, capital measures,\nstrategy, deposits, assets, and future business and economic conditions more\ngenerally, and other future matters. These statements are not guarantees of\nfuture results or performance and involve certain known and unknown risks,\nuncertainties and assumptions that are difficult to predict and are often beyond\nthe Corporation\u2019s control. Actual outcomes and results may differ materially\nfrom those expressed in, or implied by, any of these forward-looking\nstatements.\nYou should not place undue reliance on any forward-looking statement and\nshould consider the following uncertainties and risks, as well as the risks and\nuncertainties more fully discussed under \nItem 1A. Risk Factors of this Annual\nReport on Form 10-K\n: and in any of the Corporation\u2019s subsequent Securities\nand Exchange Commission filings: the Corporation\u2019s potential judgments,\norders, settlements, penalties, fines and reputational damage resulting from\npending or future litigation and regulatory investigations, proceedings and\nenforcement actions, including as a result of our participation in and execution\nof government programs related to the Coronavirus Disease 2019 (COVID-19)\npandemic, such as the processing of unemployment benefits for California\nand certain other states; the possibility that the Corporation\u2019s future liabilities\nmay be in excess of its recorded liability and estimated range of possible loss\nfor litigation, and regulatory and government actions; the possibility that the\nCorporation could face increased claims from one or more parties involved in\nmortgage securitizations; the Corporation\u2019s ability to resolve representations\nand warranties repurchase and related claims; the risks related to the\ndiscontinuation of reference rates, including increased expenses and litigation\nand the effectiveness of hedging strategies; uncertainties about the financial\nstability and growth rates of non-U.S. jurisdictions, the risk that those\njurisdictions may face difficulties servicing their sovereign debt, and related\nstresses on financial markets, currencies and trade, and the Corporation\u2019s\nexposures to such risks, including direct, indirect and operational; the impact of\nU.S. and global interest rates, inflation, currency exchange rates, economic\nconditions, trade policies and tensions, including tariffs, and potential\ngeopolitical instability; the impact of the interest rate, \ninflationary,\nmacroeconomic, banking and regulatory environment on the Corporation\u2019s\nassets, business, financial condition and results of operations; the impact of\nadverse developments affecting the U.S. or global banking industry, including\nbank failures and liquidity concerns, resulting in worsening economic and\nmarket volatility, and regulatory responses thereto; the possibility that future\ncredit losses may be higher than currently expected due to changes in\neconomic assumptions, customer behavior, adverse developments with\nrespect to U.S.", "c49029da-a766-4083-bd60-16e2af3965b9": "and global interest rates, inflation, currency exchange rates, economic\nconditions, trade policies and tensions, including tariffs, and potential\ngeopolitical instability; the impact of the interest rate, \ninflationary,\nmacroeconomic, banking and regulatory environment on the Corporation\u2019s\nassets, business, financial condition and results of operations; the impact of\nadverse developments affecting the U.S. or global banking industry, including\nbank failures and liquidity concerns, resulting in worsening economic and\nmarket volatility, and regulatory responses thereto; the possibility that future\ncredit losses may be higher than currently expected due to changes in\neconomic assumptions, customer behavior, adverse developments with\nrespect to U.S. or global economic conditions and other uncertainties,\nincluding the impact of supply chain disruptions, inflationary pressures and\nlabor shortages on economic conditions and our business; potential losses\nrelated to the Corporation's concentration of credit risk; the Corporation\u2019s ability\nto achieve its expense targets and expectations regarding revenue, net interest\nincome, provision for credit losses, net charge-offs, effective tax rate, loan\ngrowth or other projections; adverse changes to the Corporation\u2019s credit ratings\nfrom the major credit rating agencies; an inability to access capital markets or\nmaintain deposits or borrowing costs; estimates of the fair value and other\naccounting values, subject to impairment assessments, of certain of the\nCorporation\u2019s assets and liabilities; the estimated or actual impact of changes\nin accounting standards or assumptions in applying those standards;\nuncertainty regarding the content, timing and impact of regulatory capital and\nliquidity requirements; the impact of adverse changes to total loss-absorbing\ncapacity requirements, stress capital buffer requirements and/or global\nsystemically important bank surcharges; the potential impact of actions of the\nBoard of Governors of the Federal Reserve System \non the Corporation\u2019s\ncapital plans; the effect of changes in or interpretations of income tax laws and\nregulations; the impact of implementation and compliance with U.S. and\ninternational laws, regulations and regulatory interpretations, including, but not\nlimited to, recovery and resolution planning requirements, Federal Deposit\nInsurance Corporation assessments, the Volcker Rule, fiduciary standards,\nderivatives regulations and potential changes to loss allocations between\nfinancial institutions and customers, including for losses incurred from the use\nof our products and services, including electronic payments and payment of\nchecks, that were authorized by the customer but induced by fraud; the impact\nof failures or disruptions in or breaches of the Corporation\u2019s operations or\ninformation systems or those of third parties, including as a result of\ncybersecurity incidents; the risks related to the development, implementation,\nuse and management of emerging technologies, including artificial\nintelligence and machine learning; the risks related to the transition and\nphysical impacts of climate change; our ability to achieve environmental,\nsocial and governance goals and commitments or the impact of any changes\nin the Corporation\u2019s sustainability strategy or commitments generally; the\nimpact of any future federal government shutdown and uncertainty regarding\nthe federal government\u2019s debt limit or changes in fiscal, monetary or regulatory\npolicy; the emergence or continuation of widespread health emergencies or\npandemics; the impact of natural disasters, extreme weather events, military\nconflicts (including the Russia/Ukraine conflict, the conflict in the Middle East,\nthe possible expansion of such conflicts and potential geopolitical\nconsequences), terrorism or other geopolitical events; and other matters.\nForward-looking statements speak only as of the date they are made, and\nthe Corporation undertakes no obligation to update any forward-looking\nstatement to reflect the impact of circumstances or events that arise after the\ndate the forward-looking statement was made.\nNotes to the Consolidated Financial Statements referred to in the\nManagement\u2019s Discussion and Analysis of Financial Condition and Results of\nOperations (MD&A) are incorporated by reference into the MD&A. Certain prior-\nyear amounts have been reclassified to conform to current-year presentation.\nThroughout the MD&A, the Corporation uses certain acronyms and\nabbreviations which are defined in the Glossary.\n25\n25\n \nBank of America", "4f6ac33b-b2cb-412e-9b9c-c5f563f9c095": "Executive Summary\nExecutive Summary\nBusiness Overview\nBusiness Overview\nThe Corporation is a Delaware corporation, a bank holding company (BHC)\nand a financial holding company. When used in this report, \u201cBank of America,\u201d\n\u201cthe Corporation,\u201d \u201cwe,\u201d \u201cus\u201d and \u201cour\u201d may refer to Bank of America\nCorporation individually, Bank of America Corporation and its subsidiaries, or\ncertain of Bank of America Corporation\u2019s subsidiaries or affiliates. Our\nprincipal executive offices are located in Charlotte, North Carolina. Through our\nvarious bank and nonbank subsidiaries throughout the U.S. and in\ninternational markets, we provide a diversified range of banking and nonbank\nfinancial services and products through four business segments: \nConsumer\nBanking\n, \nGlobal Wealth & Investment Management (GWIM)\n, \nGlobal Banking\nand \nGlobal Markets\n, with the remaining operations recorded in \nAll Other\n. We\noperate our banking activities primarily under the Bank of America, National\nAssociation (Bank of America, N.A. or BANA) charter. At December 31, 2023,\nthe Corporation had $3.2 trillion in assets and a headcount of approximately\n213,000 employees.\nAs of December 31, 2023, we served clients through operations across the\nU.S., its territories and more than 35 countries. Our retail banking footprint\ncovers all major markets in the U.S., and we serve approximately 69 million\nconsumer and small business clients with approximately 3,800 retail financial\ncenters, approximately 15,000 ATMs, and leading digital banking platforms\n(www.bankofamerica.com) with approximately 46 million active users,\nincluding approximately 38 million active mobile users. We offer industry-\nleading support to approximately four million small business households. Our\nGWIM\n businesses, with client balances of $3.8 trillion, provide tailored\nsolutions to meet client needs through a full set of investment management,\nbrokerage, banking, trust and retirement products. We are a global leader in\ncorporate and investment banking and trading across a broad range of asset\nclasses serving corporations, governments, institutions and individuals\naround the world.\nRecent Developments\nRecent Developments\nCapital Management\nCapital Management\nOn January 31, 2024, the Corporation\u2019s Board of Directors (the Board)\ndeclared a quarterly common stock dividend of $0.24 per share, payable on\nMarch 29, 2024 to shareholders of record as of March 1, 2024.\nFor more information on our capital resources, see Capital Management\non page 47.\nImpact of BSBY\u2019s Future Cessation\nImpact of BSBY\u2019s Future Cessation\nIn the fourth quarter of 2023, the Corporation recognized a net non-cash, pretax\ncharge of approximately $1.6 billion in market making and similar activities as\na result of the announcement of Bloomberg Short-Term Bank Yield Index\u2019s\n(BSBY) future cessation. For more information, see Business Segment\nOperations \n\u2013\n \nAll Other\n on page 43, \nNote 3 \u2013 Derivatives \nto the Consolidated\nFinancial Statements and the Corporation\u2019s Current Report on Form 8-K filed\non January 8, 2024.\nFDIC Special Assessment\nFDIC Special Assessment\nOn November 16, 2023, the Federal Deposit Insurance Corporation (FDIC)\nissued its final rule to impose a special assessment to recover the loss to the\nDeposit Insurance Fund resulting from the closure of Silicon Valley Bank and\nSignature Bank. Accordingly, in the fourth quarter of 2023, the Corporation\nrecorded noninterest expense of $2.1 billion for its estimated assessment\namount. For more information, see \nNote 12 \u2013 Commitments and\nContingencies\n to the Consolidated Financial Statements.", "e0abca1e-7e6a-426e-8359-2e6f50eab442": "For more information, see Business Segment\nOperations \n\u2013\n \nAll Other\n on page 43, \nNote 3 \u2013 Derivatives \nto the Consolidated\nFinancial Statements and the Corporation\u2019s Current Report on Form 8-K filed\non January 8, 2024.\nFDIC Special Assessment\nFDIC Special Assessment\nOn November 16, 2023, the Federal Deposit Insurance Corporation (FDIC)\nissued its final rule to impose a special assessment to recover the loss to the\nDeposit Insurance Fund resulting from the closure of Silicon Valley Bank and\nSignature Bank. Accordingly, in the fourth quarter of 2023, the Corporation\nrecorded noninterest expense of $2.1 billion for its estimated assessment\namount. For more information, see \nNote 12 \u2013 Commitments and\nContingencies\n to the Consolidated Financial Statements.\nFinancial Highlights\nFinancial Highlights\nTable 1\nTable 1\nSummary Income Statement and Selected\nSummary Income Statement and Selected\nFinancial Data\nFinancial Data\n(Dollars in millions, except per share information)\n2023\n2023\n2022\nIncome statement\nIncome statement\nNet interest income\n$\n$\n56,931\n56,931\n \n$\n52,462 \nNoninterest income\n41,650\n41,650\n \n42,488 \nTotal revenue, net of interest expense\nTotal revenue, net of interest expense\n98,581\n98,581\n \n94,950 \nProvision for credit losses\n4,394\n4,394\n \n2,543 \nNoninterest expense\n65,845\n65,845\n \n61,438 \nIncome before income taxes\nIncome before income taxes\n28,342\n28,342\n \n30,969 \nIncome tax expense\n1,827\n1,827\n \n3,441 \nNet income\nNet income\n26,515\n26,515\n \n27,528 \nPreferred stock dividends and other\n1,649\n1,649\n \n1,513 \nNet income applicable to common\nNet income applicable to common\nshareholders\nshareholders\n$\n$\n24,866\n24,866\n \n$\n26,015 \nPer common share information\nPer common share information\n \n \n \nEarnings\n$\n$\n3.10\n3.10\n \n$\n3.21 \nDiluted earnings\n3.08\n3.08\n \n3.19 \nDividends paid\n0.92\n0.92\n \n0.86 \nPerformance ratios\nPerformance ratios\nReturn on average assets \n0.84\n0.84\n \n%\n%\n0.88 \n%\nReturn on average common shareholders\u2019 equity \n9.75\n9.75\n \n10.75 \nReturn on average tangible common shareholders\u2019\nequity \n13.46\n13.46\n \n15.15 \nEfficiency ratio\n66.79\n66.79\n \n64.71 \nBalance sheet at year end\nBalance sheet at year end\n \n \n \nTotal loans and leases\n$\n$\n1,053,732\n1,053,732\n \n$\n1,045,747 \nTotal assets\n3,180,151\n3,180,151\n \n3,051,375 \nTotal deposits\n1,923,827\n1,923,827\n \n1,930,341 \nTotal liabilities\n2,888,505\n2,888,505\n \n2,778,178 \nTotal common shareholders\u2019 equity\n263,249\n263,249\n \n244,800 \nTotal shareholders\u2019 equity\n291,646\n291,646\n \n273,197 \nFor definitions, see Key Metrics on page 170.\nReturn on average tangible common shareholders\u2019 equity is a non-GAAP financial measure. For more information and a\ncorresponding reconciliation to the most closely related financial measures defined by accounting principles generally\naccepted in the United States of America (GAAP), see Non-GAAP Reconciliations on page 85.\nNet income was $26.5 billion, or $3.08 per diluted share in 2023 compared to\n$27.5 billion, or $3.19 per diluted share in 2022. The decrease in net income\nwas primarily due to higher noninterest expense and provision for credit\nlosses, partially offset by higher net interest income.\nFor discussion and analysis of our consolidated and business segment\nresults of operations for 2022 compared to 2021, see Financial Highlights and\nBusiness Segment Operations sections in the MD&A of the Corporation\u2019s\n2022 Annual Report on Form 10-K.\n(1)\n(1)\n(2)\n (1)\n(1)\n(2)\nBank of America \n26\n26", "e1c83482-b898-4af9-936c-7a15f9fcc73b": "Net Interest Income\nNet Interest Income\nNet interest income increased $4.5 billion to $56.9 billion in 2023 compared to\n2022. Net interest yield on a fully taxable-equivalent (FTE) basis increased 12\nbasis points (bps) to 2.08 percent for 2023. The increases were primarily\ndriven by benefits from higher interest rates and loan growth, partially offset by\nhigher funding costs, lower deposits and net interest income related to \nGlobal\nMarkets\n activity. For more information on net interest yield and FTE basis, see\nSupplemental Financial Data on page 29, and for more information on interest\nrate risk management, see Interest Rate Risk Management for the Banking\nBook on page 77.\nNoninterest Income\nNoninterest Income\nTable 2\nTable 2\nNoninterest Income\nNoninterest Income\n(Dollars in millions)\n2023\n2023\n2022\nFees and commissions:\nCard income\n$\n$\n6,054\n6,054\n \n$\n6,083 \nService charges\n5,684\n5,684\n \n6,405 \nInvestment and brokerage services\n15,563\n15,563\n \n15,901 \nInvestment banking fees\n4,708\n4,708\n \n4,823 \nTotal fees and commissions\n32,009\n32,009\n \n33,212 \nMarket making and similar activities\n12,732\n12,732\n \n12,075 \nOther income\n(3,091)\n(3,091)\n(2,799)\nTotal noninterest income\nTotal noninterest income\n$\n$\n41,650\n41,650\n \n$\n42,488 \nNoninterest income decreased $838 million to $41.7 billion in 2023 compared\nto 2022. The following highlights the significant changes.\n\u25cf \nService charges decreased $721 million primarily driven by the impact of\nnon-sufficient funds and overdraft policy changes, as well as lower treasury\nservice charges.\n\u25cf\n Investment and brokerage services decreased $338 million primarily due\nto lower transactional revenue and asset management fees driven by\ndeclines in assets under management (AUM) pricing, as well as lower\naverage market valuations, partially offset by the impact of positive AUM\nflows.\n\u25cf\n Investment banking fees decreased $115 million primarily due to lower\nadvisory and debt issuance fees, partially offset by higher equity issuance\nfees.\n\u25cf\n Market making and similar activities increased $657 million primarily driven\nby improved trading in mortgage products in Fixed Income, Currencies and\nCommodities (FICC) and by the impact of higher interest rates on client\nfinancing activities in Equities, partially offset by the net $1.6 billion impact\nof BSBY\u2019s future cessation.\n\u25cf\n Other income decreased $292 million primarily due to higher partnership\nlosses on tax-advantaged investments and losses on sales of available-\nfor-sale (AFS) debt securities, partially offset by certain negative valuation\nadjustments in the prior year.\nProvision for Credit Losses\nProvision for Credit Losses\nThe provision for credit losses increased $1.9 billion to $4.4 billion in 2023\ncompared to 2022. The provision for credit losses for 2023 was driven by our\nconsumer portfolio primarily due to credit card loan growth and asset quality,\npartially offset by improved macroeconomic conditions that primarily benefited\nour commercial portfolio. For the same period in the prior year, the provision\nfor credit losses was primarily driven by loan growth and a dampened\nmacroeconomic outlook, partially offset by a reduction in COVID-19 pandemic\nuncertainties. For more information on the provision for credit losses, see\nAllowance for Credit Losses on page 71.", "775da742-0eb9-4d9d-97f8-5099460c2a11": "Provision for Credit Losses\nProvision for Credit Losses\nThe provision for credit losses increased $1.9 billion to $4.4 billion in 2023\ncompared to 2022. The provision for credit losses for 2023 was driven by our\nconsumer portfolio primarily due to credit card loan growth and asset quality,\npartially offset by improved macroeconomic conditions that primarily benefited\nour commercial portfolio. For the same period in the prior year, the provision\nfor credit losses was primarily driven by loan growth and a dampened\nmacroeconomic outlook, partially offset by a reduction in COVID-19 pandemic\nuncertainties. For more information on the provision for credit losses, see\nAllowance for Credit Losses on page 71.\nNoninterest Expense\nNoninterest Expense\nTable 3\nTable 3\nNoninterest Expense\nNoninterest Expense\n(Dollars in millions)\n2023\n2023\n2022\nCompensation and benefits\n$\n$\n38,330\n38,330\n \n$\n36,447 \nOccupancy and equipment\n7,164\n7,164\n \n7,071 \nInformation processing and communications\n6,707\n6,707\n \n6,279 \nProduct delivery and transaction related\n3,608\n3,608\n \n3,653 \nMarketing\n1,927\n1,927\n \n1,825 \nProfessional fees\n2,159\n2,159\n \n2,142 \nOther general operating\n5,950\n5,950\n \n4,021 \nTotal noninterest expense\nTotal noninterest expense\n$\n$\n65,845\n65,845\n \n$\n61,438 \nNoninterest expense increased $4.4 billion to $65.8 billion in 2023 compared\nto 2022 primarily due to higher investments in people and technology and\nhigher FDIC expense, including $2.1 billion for the estimated special\nassessment amount arising from the closure of Silicon Valley Bank and\nSignature Bank, partially offset by lower litigation expense and revenue-related\ncompensation.\nIncome Tax Expense\nIncome Tax Expense\nTable 4\nTable 4\nIncome Tax Expense\nIncome Tax Expense\n(Dollars in millions)\n2023\n2023\n2022\nIncome before income taxes\n$\n$\n28,342\n28,342\n \n$\n30,969 \nIncome tax expense\n1,827\n1,827\n \n3,441 \nEffective tax rate\n6.4\n6.4\n \n%\n%\n11.1 \n%\nIncome tax expense was $1.8 billion for 2023 compared to $3.4 billion in 2022,\nresulting in an effective tax rate of 6.4 percent compared to 11.1 percent.\nThe effective tax rates for 2023 and 2022 were primarily driven by our\nrecurring tax preference benefits, which primarily consisted of tax credits from\ninvestments in affordable housing and renewable energy. \nAlso included in the\neffective tax rate for 2023 were tax impacts from charges recorded in the fourth\nquarter of 2023 related to the FDIC special assessment and the impact of\nBSBY\u2019s future cessation. For more information on these charges, see\nExecutive Summary \u2013 Recent Developments on page 26. For more information\non our recurring tax preference benefits, see \nNote 19 \u2013 Income Taxes \nto the\nConsolidated Financial Statements. Absent the tax credits related to tax-\nadvantaged investments and discrete tax benefits, the effective tax rates would\nhave been approximately 25 percent for both periods.\n27\n27\n \nBank of America", "ea7e9058-ddd8-401b-b4ad-f77d18845aca": "Balance Sheet Overview\nBalance Sheet Overview\nTable 5\nTable 5\nSelected Balance Sheet Data\nSelected Balance Sheet Data\n \nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\n$ Change\n% Change\nAssets\nAssets\n \n \nCash and cash equivalents\n$\n$\n333,073\n333,073\n \n$\n230,203 \n$\n102,870 \n45 \n%\nFederal funds sold and securities borrowed or purchased under agreements to resell\n280,624\n280,624\n \n267,574 \n13,050 \n5 \nTrading account assets\n277,354\n277,354\n \n296,108 \n(18,754)\n(6)\nDebt securities\n871,407\n871,407\n \n862,819 \n8,588 \n1 \nLoans and leases\n1,053,732\n1,053,732\n \n1,045,747 \n7,985 \n1 \nAllowance for loan and lease losses\n(13,342)\n(13,342)\n(12,682)\n(660)\n5 \nAll other assets\n377,303\n377,303\n \n361,606 \n15,697 \n4 \nTotal assets\nTotal assets\n$\n$\n3,180,151\n3,180,151\n \n$\n3,051,375 \n$\n128,776 \n4 \nLiabilities\nLiabilities\nDeposits\n$\n$\n1,923,827\n1,923,827\n \n$\n1,930,341 \n$\n(6,514)\n\u2014 \nFederal funds purchased and securities loaned or sold under agreements to repurchase\n283,887\n283,887\n \n195,635 \n88,252 \n45 \nTrading account liabilities\n95,530\n95,530\n \n80,399 \n15,131 \n19 \nShort-term borrowings\n32,098\n32,098\n \n26,932 \n5,166 \n19 \nLong-term debt\n302,204\n302,204\n \n275,982 \n26,222 \n10 \nAll other liabilities\n250,959\n250,959\n \n268,889 \n(17,930)\n(7)\nTotal liabilities\nTotal liabilities\n2,888,505\n2,888,505\n \n2,778,178 \n110,327 \n4 \nShareholders\u2019 equity\nShareholders\u2019 equity\n291,646\n291,646\n \n273,197 \n18,449 \n7 \nTotal liabilities and shareholders\u2019 equity\nTotal liabilities and shareholders\u2019 equity\n$\n$\n3,180,151\n3,180,151\n \n$\n3,051,375 \n$\n128,776 \n4 \nAssets\nAssets\nAt December 31, 2023, total assets were approximately $3.2 trillion, up $128.8\nbillion from December 31, 2022. The increase in assets was primarily due to\nhigher cash and cash equivalents.\nCash and Cash Equivalents\nCash and Cash Equivalents\nCash and cash equivalents increased $102.9 billion primarily driven by\nincreased funding to support balance sheet and liquidity positioning.\nFederal Funds Sold and Securities Borrowed or Purchased Under\nFederal Funds Sold and Securities Borrowed or Purchased Under\nAgreements to Resell\nAgreements to Resell\nFederal funds transactions involve lending reserve balances on a short-term\nbasis. Securities borrowed or purchased under agreements to resell are\ncollateralized lending transactions utilized to accommodate customer\ntransactions, earn interest rate spreads and obtain securities for settlement\nand for collateral. Federal funds sold and securities borrowed or purchased\nunder agreements to resell increased $13.1 billion primarily due to the\ninvestment of excess cash from higher federal funds purchased and\nsecurities loaned or sold under agreements to repurchase, short-term\nborrowings and long-term debt, as well as client activity within \nGlobal Markets\n.\nTrading Account Assets\nTrading Account Assets\nTrading account assets consist primarily of long positions in equity and fixed-\nincome securities including U.S. government and agency securities, corporate\nsecurities and non-U.S. sovereign debt. Trading account assets decreased\n$18.8 billion primarily due to a decline in inventory within \nGlobal Markets\n.\nDebt Securities\nDebt Securities\nDebt securities primarily include U.S. Treasury and agency securities,\nmortgage-backed securities (MBS), principally agency MBS, non-U.S. bonds,\ncorporate bonds and municipal debt. We reinvest cash in the debt securities\nportfolio primarily to manage interest rate and liquidity risk. Debt securities\nincreased $8.6 billion primarily due to investment of excess cash from higher\nfederal funds purchased and securities loaned or sold under agreements to\nrepurchase, short-term borrowings and long-term\ndebt.", "2a7e34c5-b839-44ab-ba95-22e64f44421a": "Trading Account Assets\nTrading Account Assets\nTrading account assets consist primarily of long positions in equity and fixed-\nincome securities including U.S. government and agency securities, corporate\nsecurities and non-U.S. sovereign debt. Trading account assets decreased\n$18.8 billion primarily due to a decline in inventory within \nGlobal Markets\n.\nDebt Securities\nDebt Securities\nDebt securities primarily include U.S. Treasury and agency securities,\nmortgage-backed securities (MBS), principally agency MBS, non-U.S. bonds,\ncorporate bonds and municipal debt. We reinvest cash in the debt securities\nportfolio primarily to manage interest rate and liquidity risk. Debt securities\nincreased $8.6 billion primarily due to investment of excess cash from higher\nfederal funds purchased and securities loaned or sold under agreements to\nrepurchase, short-term borrowings and long-term\ndebt. For more information on debt securities, see \nNote 4 \u2013 Securities\n to the\nConsolidated Financial Statements.\nLoans and Leases\nLoans and Leases\nLoans and leases increased $8.0 billion primarily driven by higher credit card\nspending and growth in commercial loans. For more information on the loan\nportfolio, see Credit Risk Management on page 57.\nAllowance for Loan and Lease Losses\nAllowance for Loan and Lease Losses\nThe allowance for loan and lease losses increased $660 million driven by the\nCorporation\u2019s consumer portfolio primarily due to credit card loan growth and\nasset quality, \npartially offset by a reserve release in the Corporation\u2019s\ncommercial portfolio primarily driven by improved macroeconomic conditions\napplicable to the commercial portfolio\n.\n For more information, see Allowance\nfor Credit Losses on page 71.\nAll Other Assets\nAll Other Assets\nAll other assets increased $15.7 billion primarily driven by \nGlobal Markets\nactivity.\nLiabilities\nLiabilities\nAt December 31, 2023, total liabilities were approximately $2.9 trillion, up\n$110.3 billion from December 31, 2022, primarily due to higher federal funds\npurchased and securities loaned or sold under agreements to repurchase\nand long-term debt.\nDeposits\nDeposits\nDeposits decreased $6.5 billion primarily due to an increase in customer\nspending and customers\u2019 movement of balances to higher yielding investment\nalternatives.\nFederal Funds Purchased and Securities Loaned or Sold Under\nFederal Funds Purchased and Securities Loaned or Sold Under\nAgreements to Repurchase\nAgreements to Repurchase\nFederal funds transactions involve borrowing reserve balances on a short-\nterm basis. Securities loaned or sold under agreements to repurchase are\ncollateralized borrowing transactions utilized to accommodate customer\ntransactions, earn interest rate spreads and finance assets on the balance\nsheet. Federal funds purchased and securities loaned or sold\nBank of America \n28\n28", "9e759236-1f7a-4297-aa53-1ee5358dfb89": "under agreements to repurchase increased $88.3 billion primarily driven by an\nincrease in repurchase agreements to support liquidity.\nTrading Account Liabilities\nTrading Account Liabilities\nTrading account liabilities consist primarily of short positions in equity and\nfixed-income securities including U.S. Treasury and agency securities, non-\nU.S. sovereign debt and corporate securities. Trading account liabilities\nincreased $15.1 billion primarily due to higher levels of short positions within\nGlobal Markets\n.\nShort-term Borrowings\nShort-term Borrowings\nShort-term borrowings provide an additional funding source and primarily\nconsist of Federal Home Loan Bank (FHLB) short-term borrowings, notes\npayable and various other borrowings that generally have maturities of one\nyear or less. Short-term borrowings increased $5.2 billion primarily due to an\nincrease in FHLB advances and commercial paper to manage liquidity needs.\nFor more information on short-term borrowings, see \nNote 10 \u2013 Securities\nFinancing Agreements, Short-term Borrowings, Collateral and Restricted Cash\nto the Consolidated Financial Statements.\nLong-term Debt\nLong-term Debt\nLong-term debt increased $26.2 billion primarily due to debt issuances and\nvaluation adjustments, partially offset by debt maturities and redemptions. For\nmore information on long-term debt, see \nNote 11 \u2013 Long-term Debt\n to the\nConsolidated Financial Statements.\nAll Other Liabilities\nAll Other Liabilities\nAll other liabilities decreased $17.9 billion primarily driven by \nGlobal Markets\nactivity.\nShareholders\u2019 Equity\nShareholders\u2019 Equity\nShareholders\u2019 equity increased $18.4 billion primarily due to net income and\nmarket value increases on derivatives, partially offset by returns of capital to\nshareholders through common and preferred stock dividends and common\nstock repurchases.\nCash Flows Overview\nCash Flows Overview\nThe Corporation\u2019s operating assets and liabilities support our global markets\nand lending activities. We believe that cash flows from operations, available\ncash balances and our ability to generate cash through short- and long-term\ndebt are sufficient to fund our operating liquidity needs. Our investing activities\nprimarily include the debt securities portfolio and loans and leases. Our\nfinancing activities reflect cash flows primarily related to customer deposits,\nsecurities financing agreements, long-term debt and common and preferred\nstock. For more information on liquidity, see Liquidity Risk on page 52.\nSupplemental Financial Data\nSupplemental Financial Data\nNon-GAAP Financial Measures\nNon-GAAP Financial Measures\nIn this Form 10-K, we present certain non-GAAP financial measures. Non-\nGAAP financial measures exclude certain items or otherwise include\ncomponents that differ from the most directly comparable measures\ncalculated in accordance with GAAP. Non-GAAP financial measures are\nprovided as additional useful information to assess our financial condition,\nresults of operations (including period-to-period operating performance) or\ncompliance with prospective regulatory requirements. These non-GAAP\nfinancial measures are not intended as a substitute for GAAP financial\nmeasures and may not be defined or calculated the same way as non-GAAP\nfinancial measures used\nby other companies.\nWhen presented on a consolidated basis, net interest income on an FTE\nbasis is a non-GAAP financial measure. To derive the FTE basis, net interest\nincome is adjusted to reflect tax-exempt income on an equivalent before-tax\nbasis with a corresponding increase in income tax expense. For purposes of\nthis calculation, we use the federal statutory tax rate of 21 percent and a\nrepresentative state tax rate. Net interest yield, which measures the basis\npoints we earn over the cost of funds, utilizes net interest income on an FTE\nbasis. We believe that presentation of these items on an FTE basis allows for\ncomparison of amounts from both taxable and tax-exempt sources and is\nconsistent with industry practices.\nWe may present certain key performance indicators and ratios excluding\ncertain items (e.g., debit valuation adjustment (DVA) gains (losses)), which\nresult in non-GAAP financial measures. We believe that the presentation of\nmeasures that exclude these items is useful because such measures provide\nadditional information to assess the underlying operational performance and\ntrends of our businesses and to allow better comparison of period-to-period\noperating performance.\nWe also evaluate our business based on certain ratios that utilize tangible\nequity, a non-GAAP financial measure. Tangible equity represents\nshareholders\u2019 equity or common shareholders\u2019 equity reduced by goodwill\nand intangible assets (excluding mortgage servicing rights (MSRs)), net of\nrelated deferred tax liabilities (\u201cadjusted\u201d shareholders\u2019 equity or common\nshareholders\u2019 equity).", "157432b0-1f9f-4b9b-9c75-874f469f114e": "We may present certain key performance indicators and ratios excluding\ncertain items (e.g., debit valuation adjustment (DVA) gains (losses)), which\nresult in non-GAAP financial measures. We believe that the presentation of\nmeasures that exclude these items is useful because such measures provide\nadditional information to assess the underlying operational performance and\ntrends of our businesses and to allow better comparison of period-to-period\noperating performance.\nWe also evaluate our business based on certain ratios that utilize tangible\nequity, a non-GAAP financial measure. Tangible equity represents\nshareholders\u2019 equity or common shareholders\u2019 equity reduced by goodwill\nand intangible assets (excluding mortgage servicing rights (MSRs)), net of\nrelated deferred tax liabilities (\u201cadjusted\u201d shareholders\u2019 equity or common\nshareholders\u2019 equity). These measures are used to evaluate our use of equity.\nIn addition, profitability, relationship and investment models use both return on\naverage tangible common shareholders\u2019 equity and return on average tangible\nshareholders\u2019 equity as key measures to support our overall growth\nobjectives. These ratios are:\n\u25cf\n Return on average tangible common shareholders\u2019 equity measures our\nnet income applicable to common shareholders as a percentage of\nadjusted average common shareholders\u2019 equity. The tangible common\nequity ratio represents adjusted ending common shareholders\u2019 equity\ndivided by total tangible assets.\n\u25cf\n Return on average tangible shareholders\u2019 equity measures our net income\nas a percentage of adjusted average total shareholders\u2019 equity. The\ntangible equity ratio represents adjusted ending shareholders\u2019 equity\ndivided by total tangible assets.\n\u25cf\n Tangible book value per common share represents adjusted ending\ncommon shareholders\u2019 equity divided by ending common shares\noutstanding.\nWe believe ratios utilizing tangible equity provide additional useful\ninformation because they present measures of those assets that can\ngenerate income. Tangible book value per common share provides additional\nuseful information about the level of tangible assets in relation to outstanding\nshares of common stock.\nThe aforementioned supplemental data and performance measures are\npresented in Tables 6 and 7.\nFor more information on the reconciliation of these non-GAAP financial\nmeasures to the corresponding GAAP financial measures, see Non-GAAP\nReconciliations on page 85.\nKey Performance Indicators\nKey Performance Indicators\nWe present certain key financial and nonfinancial performance indicators (key\nperformance indicators) that management uses when assessing our\nconsolidated and/or segment results. We believe they are useful to investors\nbecause they provide additional information about our underlying operational\n29\n29\n \nBank of America", "851619a2-db80-45eb-9b49-3d39fa5ad7df": "performance and trends. These key performance indicators (KPIs) may not be\ndefined or calculated in the same way as similar KPIs used by other\ncompanies. For information on how these metrics are defined, see Key\nMetrics on page 170.\nOur consolidated key performance indicators, which include\nvarious equity and credit metrics, are presented in Table 1 on page 26, Table 6\non page 30 and Table 7 on page 31.\nFor information on key segment performance metrics, see Business\nSegment Operations on page 34.\nTable 6\nSelected Annual Financial Data\nSelected Annual Financial Data\n(In millions, except per share information)\n2023\n2023\n2022\n2021\nIncome statement\nIncome statement\n \nNet interest income\n$\n$\n56,931\n56,931\n \n$\n52,462 \n$\n42,934 \nNoninterest income\n41,650\n41,650\n \n42,488 \n46,179 \nTotal revenue, net of interest expense\n98,581\n98,581\n \n94,950 \n89,113 \nProvision for credit losses\n4,394\n4,394\n \n2,543 \n(4,594)\nNoninterest expense\n65,845\n65,845\n \n61,438 \n59,731 \nIncome before income taxes\n28,342\n28,342\n \n30,969 \n33,976 \nIncome tax expense\n1,827\n1,827\n \n3,441 \n1,998 \nNet income\n26,515\n26,515\n \n27,528 \n31,978 \nNet income applicable to common shareholders\n24,866\n24,866\n \n26,015 \n30,557 \nAverage common shares issued and outstanding\n8,028.6\n8,028.6\n \n8,113.7 \n8,493.3 \nAverage diluted common shares issued and outstanding\n8,080.5\n8,080.5\n \n8,167.5 \n8,558.4 \nPerformance ratios\nPerformance ratios\n \n \n \nReturn on average assets \n0.84\n0.84\n \n%\n%\n0.88 \n%\n1.05 \n%\nReturn on average common shareholders\u2019 equity \n9.75\n9.75\n \n10.75 \n12.23 \nReturn on average tangible common shareholders\u2019 equity \n13.46\n13.46\n \n15.15 \n17.02 \nReturn on average shareholders\u2019 equity \n9.36\n9.36\n \n10.18 \n11.68 \nReturn on average tangible shareholders\u2019 equity \n12.44\n12.44\n \n13.76 \n15.71 \nTotal ending equity to total ending assets\n9.17\n9.17\n \n8.95 \n8.52 \nCommon equity ratio \n8.28\n8.28\n \n8.02 \n7.74 \nTotal average equity to total average assets\n8.99\n8.99\n \n8.62 \n9.02 \nDividend payout \n29.65\n29.65\n \n26.77 \n21.51 \nPer common share data\nPer common share data\n \n \n \nEarnings\n$\n$\n3.10\n3.10\n \n$\n3.21 \n$\n3.60 \nDiluted earnings\n3.08\n3.08\n \n3.19 \n3.57 \nDividends paid\n0.92\n0.92\n \n0.86 \n0.78 \nBook value \n33.34\n33.34\n \n30.61 \n30.37 \nTangible book value \n24.46\n24.46\n \n21.83 \n21.68 \nMarket capitalization\nMarket capitalization\n$\n$\n265,840\n265,840\n \n$\n264,853 \n$\n359,383 \nAverage balance sheet\nAverage balance sheet\n \n \n \n \nTotal loans and leases\n$\n$\n1,046,256\n1,046,256\n \n$\n1,016,782 \n$\n920,401 \nTotal assets\n3,153,513\n3,153,513\n \n3,135,894 \n3,034,623 \nTotal deposits\n1,887,541\n1,887,541\n \n1,986,158 \n1,914,286 \nLong-term debt\n248,853\n248,853\n \n246,479 \n237,703 \nCommon shareholders\u2019 equity\n254,956\n254,956\n \n241,981 \n249,787 \nTotal shareholders\u2019 equity\n283,353\n283,353\n \n270,299 \n273,757 \nAsset quality\nAsset quality\n \n \n \nAllowance for credit losses \n$\n$\n14,551\n14,551\n \n$\n14,222 \n$\n13,843 \nNonperforming loans, leases and foreclosed properties \n5,630\n5,630\n \n3,978 \n4,", "9a522935-deb2-4349-ad01-7f0ee2e90240": "046,256\n1,046,256\n \n$\n1,016,782 \n$\n920,401 \nTotal assets\n3,153,513\n3,153,513\n \n3,135,894 \n3,034,623 \nTotal deposits\n1,887,541\n1,887,541\n \n1,986,158 \n1,914,286 \nLong-term debt\n248,853\n248,853\n \n246,479 \n237,703 \nCommon shareholders\u2019 equity\n254,956\n254,956\n \n241,981 \n249,787 \nTotal shareholders\u2019 equity\n283,353\n283,353\n \n270,299 \n273,757 \nAsset quality\nAsset quality\n \n \n \nAllowance for credit losses \n$\n$\n14,551\n14,551\n \n$\n14,222 \n$\n13,843 \nNonperforming loans, leases and foreclosed properties \n5,630\n5,630\n \n3,978 \n4,697 \nAllowance for loan and lease losses as a percentage of total loans and leases outstanding \n1.27\n1.27\n \n%\n%\n1.22 \n%\n1.28 \n%\nAllowance for loan and lease losses as a percentage of total nonperforming loans and leases \n243\n243\n \n333 \n271 \nNet charge-offs\n$\n$\n3,799\n3,799\n \n$\n2,172 \n$\n2,243 \nNet charge-offs as a percentage of average loans and leases outstanding \n0.36\n0.36\n \n%\n%\n0.21 \n%\n0.25 \n%\nCapital ratios at year end \nCapital ratios at year end \n \n \n \n \nCommon equity tier 1 capital\n11.8\n11.8\n \n%\n%\n11.2 \n%\n10.6 \n%\nTier 1 capital\n13.5\n13.5\n \n13.0 \n12.1 \nTotal capital\n15.2\n15.2\n \n14.9 \n14.1 \nTier 1 leverage\n7.1\n7.1\n \n7.0 \n6.4 \nSupplementary leverage ratio\n6.1\n6.1\n \n5.9 \n5.5 \nTangible equity \n7.1\n7.1\n \n6.8 \n6.4 \nTangible common equity \n6.2\n6.2\n \n5.9 \n5.7 \nFor definition, see Key Metrics on page 170.\nTangible equity ratios and tangible book value per share of common stock are non-GAAP financial measures. For more information on these ratios and corresponding reconciliations to GAAP financial measures, see Supplemental Financial Data on page 29 and\nNon-GAAP Reconciliations on page 85.\nIncludes the allowance for loan and leases losses and the reserve for unfunded lending commitments.\nBalances and ratios do not include loans accounted for under the fair value option. For additional exclusions from nonperforming loans, leases and foreclosed properties, see Consumer Portfolio Credit Risk Management \u2013 Nonperforming Consumer Loans,\nLeases and Foreclosed Properties Activity on page 62 and corresponding Table 27 and Commercial Portfolio Credit Risk Management \u2013 Nonperforming Commercial Loans, Leases and Foreclosed Properties Activity on page 66 and corresponding Table 33.\nFor more information, including which approach is used to assess capital adequacy, see Capital Management on page 47.\n(1)\n(1)\n(1, 2)\n(1)\n(1, 2)\n(1)\n(1)\n(1)\n(2)\n(3)\n(4)\n(4)\n(4)\n(4)\n(5)\n(5)\n(2)\n(2)\n(1)\n(2)\n(3)\n(4)\n(5)\nBank of America \n30\n30", "c9491ab2-d6db-4049-bc1a-ea037cc6223f": "Table 7\nSelected Quarterly Financial Data\n2023 Quarters\n2023 Quarters\n2022 Quarters\n2022 Quarters\n(In millions, except per share information)\nFourth\nFourth\nThird\nSecond\nFirst\nFourth\nThird\nSecond\nFirst\nIncome statement\nIncome statement\n \n \n \nNet interest income\n$\n$\n13,946\n13,946\n \n$\n14,379 \n$\n14,158 \n$\n14,448 \n$\n14,681 \n$\n13,765 \n$\n12,444 \n$\n11,572 \nNoninterest income\n8,013\n8,013\n \n10,788 \n11,039 \n11,810 \n9,851 \n10,737 \n10,244 \n11,656 \nTotal revenue, net of interest expense\n21,959\n21,959\n \n25,167 \n25,197 \n26,258 \n24,532 \n24,502 \n22,688 \n23,228 \nProvision for credit losses\n1,104\n1,104\n \n1,234 \n1,125 \n931 \n1,092 \n898 \n523 \n30 \nNoninterest expense\n17,731\n17,731\n \n15,838 \n16,038 \n16,238 \n15,543 \n15,303 \n15,273 \n15,319 \nIncome before income taxes\n3,124\n3,124\n \n8,095 \n8,034 \n9,089 \n7,897 \n8,301 \n6,892 \n7,879 \nIncome tax expense\n(20)\n(20)\n293 \n626 \n928 \n765 \n1,219 \n645 \n812 \nNet income\n3,144\n3,144\n \n7,802 \n7,408 \n8,161 \n7,132 \n7,082 \n6,247 \n7,067 \nNet income applicable to common shareholders\n2,838\n2,838\n \n7,270 \n7,102 \n7,656 \n6,904 \n6,579 \n5,932 \n6,600 \nAverage common shares issued and outstanding\n7,990.9\n7,990.9\n \n8,017.1 \n8,040.9 \n8,065.9 \n8,088.3 \n8,107.7 \n8,121.6 \n8,136.8 \nAverage diluted common shares issued and outstanding\n8,062.5\n8,062.5\n \n8,075.9 \n8,080.7 \n8,182.3 \n8,155.7 \n8,160.8 \n8,163.1 \n8,202.1 \nPerformance ratios\nPerformance ratios\n \n \n \n \n \n \nReturn on average assets \n0.39\n0.39\n \n%\n%\n0.99 \n%\n0.94 \n%\n1.07 \n%\n0.92 \n%\n0.90 \n%\n0.79 \n%\n0.89 \n%\nFour-quarter trailing return on average assets\n0.84\n0.84\n \n0.98 \n0.96 \n0.92 \n0.88 \n0.87 \n0.89 \n0.99 \nReturn on average common shareholders\u2019 equity \n4.33\n4.33\n \n11.24 \n11.21 \n12.48 \n11.24 \n10.79 \n9.93 \n11.02 \nReturn on average tangible common shareholders\u2019 equity\n5.92\n5.92\n \n15.47 \n15.49 \n17.38 \n15.79 \n15.21 \n14.05 \n15.51 \nReturn on average shareholders\u2019 equity \n4.32\n4.32\n \n10.86 \n10.52 \n11.94 \n10.38 \n10.37 \n9.34 \n10.64 \nReturn on average tangible shareholders\u2019 equity\n5.71\n5.71\n \n14.41 \n14.00 \n15.98 \n13.98 \n13.99 \n12.66 \n14.40 \nTotal ending equity to total ending assets\n9.17\n9.17\n \n9.10 \n9.07 \n8.77 \n8.95 \n8.77 \n8.65 \n8.23 \nCommon equity ratio \n8.28\n8.28\n \n8.20 \n8.16 \n7.88 \n8.02 \n7.82 \n7.71 \n7.40 \nTotal average equity to total average assets\n8.98\n8.98\n \n9.11 \n8.89 \n8.95 \n8.87 \n8.73 \n8.49 \n8.40 \nDividend payout \n67.42\n67.42\n \n26.39 \n24.88 \n23.17 \n25.71 \n27.06 \n28.68 \n25.", "739b070f-574e-48ef-a71e-edaa9d0da658": "71\n5.71\n \n14.41 \n14.00 \n15.98 \n13.98 \n13.99 \n12.66 \n14.40 \nTotal ending equity to total ending assets\n9.17\n9.17\n \n9.10 \n9.07 \n8.77 \n8.95 \n8.77 \n8.65 \n8.23 \nCommon equity ratio \n8.28\n8.28\n \n8.20 \n8.16 \n7.88 \n8.02 \n7.82 \n7.71 \n7.40 \nTotal average equity to total average assets\n8.98\n8.98\n \n9.11 \n8.89 \n8.95 \n8.87 \n8.73 \n8.49 \n8.40 \nDividend payout \n67.42\n67.42\n \n26.39 \n24.88 \n23.17 \n25.71 \n27.06 \n28.68 \n25.86 \nPer common share data\nPer common share data\n \n \n \n \n \n \nEarnings\n$\n$\n0.36\n0.36\n \n$\n0.91 \n$\n0.88 \n$\n0.95 \n$\n0.85 \n$\n0.81 \n$\n0.73 \n$\n0.81 \nDiluted earnings\n0.35\n0.35\n \n0.90 \n0.88 \n0.94 \n0.85 \n0.81 \n0.73 \n0.80 \nDividends paid\n0.24\n0.24\n \n0.24 \n0.22 \n0.22 \n0.22 \n0.22 \n0.21 \n0.21 \nBook value \n33.34\n33.34\n \n32.65 \n32.05 \n31.58 \n30.61 \n29.96 \n29.87 \n29.70 \nTangible book value \n24.46\n24.46\n \n23.79 \n23.23 \n22.78 \n21.83 \n21.21 \n21.13 \n20.99 \nMarket capitalization\nMarket capitalization\n$\n$\n265,840\n265,840\n \n$\n216,942 \n$\n228,188 \n$\n228,012 \n$\n264,853 \n$\n242,338 \n$\n250,136 \n$\n332,320 \nAverage balance sheet\nAverage balance sheet\n \n \n \n \n \n \n \nTotal loans and leases\n$\n$\n1,050,705\n1,050,705\n \n$\n1,046,254 \n$\n1,046,608 \n$\n1,041,352 \n$\n1,039,247 \n$\n1,034,334 \n$\n1,014,886 \n$\n977,793 \nTotal assets\n3,213,159\n3,213,159\n \n3,128,466 \n3,175,358 \n3,096,058 \n3,074,289 \n3,105,546 \n3,157,855 \n3,207,702 \nTotal deposits\n1,905,011\n1,905,011\n \n1,876,153 \n1,875,353 \n1,893,649 \n1,925,544 \n1,962,775 \n2,012,079 \n2,045,811 \nLong-term debt\n256,262\n256,262\n \n245,819 \n248,480 \n244,759 \n243,871 \n250,204 \n245,781 \n246,042 \nCommon shareholders\u2019 equity\n260,221\n260,221\n \n256,578 \n254,028 \n248,855 \n243,647 \n241,882 \n239,523 \n242,865 \nTotal shareholders\u2019 equity\n288,618\n288,618\n \n284,975 \n282,425 \n277,252 \n272,629 \n271,017 \n268,197 \n269,309 \nAsset quality\nAsset quality\n \n \n \n \n \nAllowance for credit losses \n$\n$\n14,551\n14,551\n \n$\n14,640 \n$\n14,338 \n$\n13,951 \n$\n14,222 \n$\n13,817 \n$\n13,434 \n$\n13,483 \nNonperforming loans, leases and foreclosed properties \n5,630\n5,630\n \n4,993 \n4,274 \n4,083 \n3,978 \n4,156 \n4,326 \n4,778 \nAllowance for loan and lease losses as a percentage of total loans and leases\noutstanding \n1.27\n1.27\n \n%\n%\n1.27 \n%\n1.24 \n%\n1.20 \n%\n1.22 \n%\n1.20 \n%\n1.17 \n%\n1.", "a4369809-617f-4cc9-9b83-00ea3615b613": "618\n \n284,975 \n282,425 \n277,252 \n272,629 \n271,017 \n268,197 \n269,309 \nAsset quality\nAsset quality\n \n \n \n \n \nAllowance for credit losses \n$\n$\n14,551\n14,551\n \n$\n14,640 \n$\n14,338 \n$\n13,951 \n$\n14,222 \n$\n13,817 \n$\n13,434 \n$\n13,483 \nNonperforming loans, leases and foreclosed properties \n5,630\n5,630\n \n4,993 \n4,274 \n4,083 \n3,978 \n4,156 \n4,326 \n4,778 \nAllowance for loan and lease losses as a percentage of total loans and leases\noutstanding \n1.27\n1.27\n \n%\n%\n1.27 \n%\n1.24 \n%\n1.20 \n%\n1.22 \n%\n1.20 \n%\n1.17 \n%\n1.23 \n%\nAllowance for loan and lease losses as a percentage of total nonperforming\nloans and leases \n243\n243\n \n275 \n314 \n319 \n333 \n309 \n288 \n262 \nNet charge-offs\n$\n$\n1,192\n1,192\n \n$\n931 \n$\n869 \n$\n807 \n$\n689 \n$\n520 \n$\n571 \n$\n392 \nAnnualized net charge-offs as a percentage of average loans and leases\noutstanding \n0.45\n0.45\n \n%\n%\n0.35 \n%\n0.33 \n%\n0.32 \n%\n0.26 \n%\n0.20 \n%\n0.23 \n%\n0.16 \n%\nCapital ratios at period end \nCapital ratios at period end \n \n \n \n \n \n \nCommon equity tier 1 capital\n11.8\n11.8\n \n%\n%\n11.9 \n%\n11.6 \n%\n11.4 \n%\n11.2 \n%\n11.0 \n%\n10.5 \n%\n10.4 \n%\nTier 1 capital\n13.5\n13.5\n \n13.6 \n13.3 \n13.1 \n13.0 \n12.8 \n12.3 \n12.0 \nTotal capital\n15.2\n15.2\n \n15.4 \n15.1 \n15.0 \n14.9 \n14.7 \n14.2 \n14.0 \nTier 1 leverage\n7.1\n7.1\n \n7.3 \n7.1 \n7.1 \n7.0 \n6.8 \n6.5 \n6.3 \nSupplementary leverage ratio\n6.1\n6.1\n \n6.2 \n6.0 \n6.0 \n5.9 \n5.8 \n5.5 \n5.4 \nTangible equity\n7.1\n7.1\n \n7.0 \n7.0 \n6.7 \n6.8 \n6.6 \n6.5 \n6.2 \nTangible common equity \n6.2\n6.2\n \n6.1 \n6.1 \n5.8 \n5.9 \n5.7 \n5.6 \n5.3 \nTotal loss-absorbing capacity and long-term debt metrics\nTotal loss-absorbing capacity and long-term debt metrics\nTotal loss-absorbing capacity to risk-weighted assets\n29.0\n29.0\n \n%\n%\n29.3 \n%\n28.8 \n%\n28.8 \n%\n29.0 \n%\n28.9 \n%\n27.8 \n%\n27.2 \n%\nTotal loss-absorbing capacity to supplementary leverage exposure\n13.0\n13.0\n \n13.3 \n13.0 \n13.1 \n13.2 \n13.0 \n12.6 \n12.2 \nEligible long-term debt to risk-weighted assets\n14.5\n14.5\n \n14.8 \n14.6 \n14.8 \n15.2 \n15.2 \n14.7 \n14.4 \nEligible long-term debt to supplementary leverage exposure\n6.5\n6.5\n \n6.7 \n6.6 \n6.7 \n6.9 \n6.8 \n6.6 \n6.5 \nFor definitions, see Key Metrics on page 170.\nCalculated as total net income for four consecutive quarters divided by annualized average assets for four consecutive quarters.\nTangible equity ratios and tangible book value per share of common stock are non-GAAP financial measures. For more information on these ratios and corresponding reconciliations to GAAP financial measures, see Supplemental Financial Data on page 29 and\nNon-GAAP Reconciliations on page 85.\nIncludes the allowance for loan and lease losses and the reserve for unfunded lending commitments.", "d81ec031-a7b5-4daf-bc9c-98a5af2d0ee0": "5\n14.5\n \n14.8 \n14.6 \n14.8 \n15.2 \n15.2 \n14.7 \n14.4 \nEligible long-term debt to supplementary leverage exposure\n6.5\n6.5\n \n6.7 \n6.6 \n6.7 \n6.9 \n6.8 \n6.6 \n6.5 \nFor definitions, see Key Metrics on page 170.\nCalculated as total net income for four consecutive quarters divided by annualized average assets for four consecutive quarters.\nTangible equity ratios and tangible book value per share of common stock are non-GAAP financial measures. For more information on these ratios and corresponding reconciliations to GAAP financial measures, see Supplemental Financial Data on page 29 and\nNon-GAAP Reconciliations on page 85.\nIncludes the allowance for loan and lease losses and the reserve for unfunded lending commitments.\nBalances and ratios do not include loans accounted for under the fair value option. For additional exclusions from nonperforming loans, leases and foreclosed properties, see Consumer Portfolio Credit Risk Management \u2013 Nonperforming Consumer Loans,\nLeases and Foreclosed Properties Activity on page 62 and corresponding Table 27 and Commercial Portfolio Credit Risk Management \u2013 Nonperforming Commercial Loans, Leases and Foreclosed Properties Activity on page 66 and corresponding Table 33.\nFor more information, including which approach is used to assess capital adequacy, see Capital Management on page 47.\n(1)\n (2)\n(1)\n (3)\n(1)\n (3)\n(1)\n(1)\n(1)\n(3)\n(4)\n(5)\n(5)\n(5)\n(5)\n(6)\n(6)\n (3)\n(3)\n(1)\n(2)\n(3)\n(4)\n(5)\n(6)\n31\n31\n \nBank of America", "9493d310-7771-48b0-9063-ce2355271b17": "Table 8\nTable 8\nAverage Balances and Interest Rates - FTE Basis\nAverage Balances and Interest Rates - FTE Basis\nAverage\nAverage\nBalance\nBalance\nInterest\nInterest\nIncome/\nIncome/\nExpense \nExpense \nYield/\nYield/\nRate\nRate\nAverage\nBalance\nInterest\nIncome/\nExpense \nYield/\nRate\nAverage\nBalance\nInterest\nIncome/\nExpense \nYield/\nRate\n(Dollars in millions)\n2023\n2023\n2022\n2021\nEarning assets\nEarning assets\n \n \n \n \n \n \n \n \n \nInterest-bearing deposits with the Federal Reserve, non-U.S. central banks and\nother banks\n$\n$\n324,389\n324,389\n \n$\n$\n15,965\n15,965\n \n4.92\n4.92\n \n%\n%\n$\n195,564 \n$\n2,591 \n1.32 \n%\n$\n255,595 \n$\n172 \n0.07 \n%\nTime deposits placed and other short-term investments\n9,704\n9,704\n \n465\n465\n \n4.79\n4.79\n \n9,209 \n132 \n1.44 \n7,603 \n15 \n0.19 \nFederal funds sold and securities borrowed or purchased under agreements to\nresell \n291,669\n291,669\n \n18,679\n18,679\n \n6.40\n6.40\n \n292,799 \n4,560 \n1.56 \n267,257 \n(90)\n(0.03)\nTrading account assets\n189,263\n189,263\n \n8,849\n8,849\n \n4.68\n4.68\n \n158,102 \n5,586 \n3.53 \n147,891 \n3,823 \n2.58 \nDebt securities\n794,192\n794,192\n \n20,332\n20,332\n \n2.55\n2.55\n \n922,730 \n17,207 \n1.86 \n905,169 \n12,433 \n1.38 \nLoans and leases \n:\n \n \n \n \n \n \n \n \n \n \nResidential mortgage\n229,001\n229,001\n \n6,923\n6,923\n \n3.02\n3.02\n \n227,604 \n6,375 \n2.80 \n216,983 \n5,995 \n2.76 \nHome equity\n25,969\n25,969\n \n1,471\n1,471\n \n5.67\n5.67\n \n27,364 \n959 \n3.50 \n31,014 \n1,066 \n3.44 \nCredit card\n96,190\n96,190\n \n10,436\n10,436\n \n10.85\n10.85\n \n83,539 \n8,408 \n10.06 \n75,385 \n7,772 \n10.31 \nDirect/Indirect and other consumer \n104,571\n104,571\n \n5,200\n5,200\n \n4.97\n4.97\n \n107,050 \n3,317 \n3.10 \n96,472 \n2,276 \n2.36 \nTotal consumer\n455,731\n455,731\n \n24,030\n24,030\n \n5.27\n5.27\n \n445,557 \n19,059 \n4.28 \n419,854 \n17,109 \n4.08 \nU.S. commercial\n378,212\n378,212\n \n19,494\n19,494\n \n5.15\n5.15\n \n366,748 \n12,251 \n3.34 \n324,795 \n8,606 \n2.65 \nNon-U.S.", "4d0eb33d-bb40-42c2-b5aa-33137bfe5f99": "commercial\n378,212\n378,212\n \n19,494\n19,494\n \n5.15\n5.15\n \n366,748 \n12,251 \n3.34 \n324,795 \n8,606 \n2.65 \nNon-U.S. commercial\n125,486\n125,486\n \n8,023\n8,023\n \n6.39\n6.39\n \n125,222 \n3,702 \n2.96 \n99,584 \n1,752 \n1.76 \nCommercial real estate \n72,981\n72,981\n \n5,162\n5,162\n \n7.07\n7.07\n \n65,421 \n2,595 \n3.97 \n60,303 \n1,496 \n2.48 \nCommercial lease financing\n13,846\n13,846\n \n646\n646\n \n4.67\n4.67\n \n13,834 \n473 \n3.42 \n15,865 \n462 \n2.91 \nTotal commercial\n590,525\n590,525\n \n33,325\n33,325\n \n5.64\n5.64\n \n571,225 \n19,021 \n3.33 \n500,547 \n12,316 \n2.46 \nTotal loans and leases\n1,046,256\n1,046,256\n \n57,355\n57,355\n \n5.48\n5.48\n \n1,016,782 \n38,080 \n3.75 \n920,401 \n29,425 \n3.20 \nOther earning assets\n98,127\n98,127\n \n9,184\n9,184\n \n9.36\n9.36\n \n105,674 \n4,847 \n4.59 \n112,512 \n2,321 \n2.06 \nTotal earning assets\nTotal earning assets\n2,753,600\n2,753,600\n \n130,829\n130,829\n \n4.75\n4.75\n \n2,700,860 \n73,003 \n2.70 \n2,616,428 \n48,099 \n1.84 \nCash and due from banks\n26,076\n26,076\n \n \n \n28,029 \n \n31,214 \n \nOther assets, less allowance for loan and lease losses\n373,837\n373,837\n \n \n \n \n407,005 \n \n \n386,981 \n \n \nTotal assets\nTotal assets\n$\n$\n3,153,513\n3,153,513\n \n \n \n \n \n$\n3,135,894 \n \n \n$\n3,034,623 \n \n \nInterest-bearing liabilities\nInterest-bearing liabilities\n \n \n \n \n \n \n \n \n \n \nU.S. interest-bearing deposits:\n \n \n \n \n \n \n \n \n \n \nDemand and money market deposits\n952,736\n952,736\n \n15,527\n15,527\n \n1.63\n1.63\n \n%\n%\n987,247 \n3,145 \n0.32 \n%\n925,970 \n314 \n0.03 \n%\nTime and savings deposits\n254,476\n254,476\n \n7,366\n7,366\n \n2.89\n2.89\n \n166,490 \n818 \n0.49 \n161,512 \n170 \n0.11 \nTotal U.S. interest-bearing deposits\n1,207,212\n1,207,212\n \n22,893\n22,893\n \n1.90\n1.90\n \n1,153,737 \n3,963 \n0.34 \n1,087,482 \n484 \n0.04 \nNon-U.S.", "bb6f8daf-c859-457e-89e8-c2d9080cf1dd": "interest-bearing deposits:\n \n \n \n \n \n \n \n \n \n \nDemand and money market deposits\n952,736\n952,736\n \n15,527\n15,527\n \n1.63\n1.63\n \n%\n%\n987,247 \n3,145 \n0.32 \n%\n925,970 \n314 \n0.03 \n%\nTime and savings deposits\n254,476\n254,476\n \n7,366\n7,366\n \n2.89\n2.89\n \n166,490 \n818 \n0.49 \n161,512 \n170 \n0.11 \nTotal U.S. interest-bearing deposits\n1,207,212\n1,207,212\n \n22,893\n22,893\n \n1.90\n1.90\n \n1,153,737 \n3,963 \n0.34 \n1,087,482 \n484 \n0.04 \nNon-U.S. interest-bearing deposits\n96,845\n96,845\n \n3,270\n3,270\n \n3.38\n3.38\n \n80,951 \n755 \n0.93 \n82,769 \n53 \n0.06 \nTotal interest-bearing deposits\n1,304,057\n1,304,057\n \n26,163\n26,163\n \n2.01\n2.01\n \n1,234,688 \n4,718 \n0.38 \n1,170,251 \n537 \n0.05 \nFederal funds purchased, securities loaned or sold under agreements to\nrepurchase\n301,015\n301,015\n \n20,583\n20,583\n \n6.84\n6.84\n \n214,369 \n4,117 \n1.92 \n210,848 \n461 \n0.22 \nShort-term borrowings and other interest-bearing\n liabilities \n152,548\n152,548\n \n9,970\n9,970\n \n6.54\n6.54\n \n137,277 \n2,861 \n2.08 \n106,975 \n(819)\n(0.77)\nTrading account liabilities\n46,083\n46,083\n \n2,043\n2,043\n \n4.43\n4.43\n \n51,208 \n1,538 \n3.00 \n54,107 \n1,128 \n2.08 \nLong-term debt\n248,853\n248,853\n \n14,572\n14,572\n \n5.86\n5.86\n \n246,479 \n6,869 \n2.79 \n237,703 \n3,431 \n1.44 \nTotal interest-bearing liabilities\nTotal interest-bearing liabilities\n2,052,556\n2,052,556\n \n73,331\n73,331\n \n3.57\n3.57\n \n1,884,021 \n20,103 \n1.07 \n1,779,884 \n4,738 \n0.27 \nNoninterest-bearing sources:\n \n \n \n \n \n \n \n \n \n \nNoninterest-bearing deposits\n583,484\n583,484\n \n751,470 \n744,035 \nOther liabilities \n234,120\n234,120\n \n230,104 \n236,947 \nShareholders\u2019 equity\n283,353\n283,353\n \n270,299 \n273,757 \nTotal liabilities and shareholders\u2019 equity\nTotal liabilities and shareholders\u2019 equity\n$\n$\n3,153,513\n3,153,513\n \n \n \n \n$\n3,135,894 \n \n \n$\n3,034,623 \n \n \nNet interest spread\n \n \n1.18\n1.18\n \n%\n%\n1.63 \n%\n1.57 \n%\nImpact of noninterest-bearing sources\n \n \n0.90\n0.90\n \n0.33 \n0.09 \nNet interest income/yield on earning assets \nNet interest income/yield on earning assets \n \n$\n57,498 \n2.08\n2.08\n \n%\n%\n \n$\n52,900 \n1.96 \n%\n \n$\n43,361 \n1.66 \n%\nIncludes the impact of interest rate risk management contracts. For more information, see Interest Rate Risk Management for the Banking Book on page 77.\nFor more information on negative interest, see \nNote 1 \u2013 Summary of Significant Accounting Principles \nto the Consolidated Financial Statements.\nNonperforming loans are included in the respective average loan balances. Income on these nonperforming loans is generally recognized on a cost recovery basis.\nIncludes U.S. commercial real estate loans of $67.2 billion, $61.1 billion and $56.5 billion, and non-U.S. commercial real estate loans of $5.8 billion, $4.3 billion and $3.8 billion for 2023, 2022 and 2021, respectively.", "77e48d6d-254d-4811-b257-84c496448de0": "For more information, see Interest Rate Risk Management for the Banking Book on page 77.\nFor more information on negative interest, see \nNote 1 \u2013 Summary of Significant Accounting Principles \nto the Consolidated Financial Statements.\nNonperforming loans are included in the respective average loan balances. Income on these nonperforming loans is generally recognized on a cost recovery basis.\nIncludes U.S. commercial real estate loans of $67.2 billion, $61.1 billion and $56.5 billion, and non-U.S. commercial real estate loans of $5.8 billion, $4.3 billion and $3.8 billion for 2023, 2022 and 2021, respectively.\nIncludes $40.2 billion, $30.7 billion and $30.4 billion of structured notes and liabilities for 2023, 2022 and 2021, respectively.\nNet interest income includes FTE adjustments of $567 million, $438 million and $427 million in 2023, 2022 and 2021, respectively.\n(1)\n(1)\n(1)\n(1)\n(2)\n(3)\n(4)\n(2)\n(5)\n(6)\n(6)\n(1)\n(2)\n(3)\n(4)\n(5)\n(6)\nBank of America \n32\n32", "63b17339-552c-4715-9f5f-fa3331d248a2": "Table 9\nTable 9\nAnalysis of Changes in Net Interest Income - FTE Basis\nAnalysis of Changes in Net Interest Income - FTE Basis\nDue to Change in \nDue to Change in \nNet Change\nNet Change\nDue to Change in \nNet Change\nVolume\nVolume\nRate\nRate\nVolume\nRate\n(Dollars in millions)\nFrom 2022 to 2023\nFrom 2022 to 2023\nFrom 2021 to 2022\nIncrease (decrease) in interest income\nIncrease (decrease) in interest income\nInterest-bearing deposits with the Federal Reserve, non-U.S. central banks and other banks\n$\n$\n1,691\n1,691\n \n$\n$\n11,683\n11,683\n \n$\n$\n13,374\n13,374\n \n$\n(35)\n$\n2,454 \n$\n2,419 \nTime deposits placed and other short-term investments\n8\n8\n \n325\n325\n \n333\n333\n \n2 \n115 \n117 \nFederal funds sold and securities borrowed or purchased under agreements to resell\n(10)\n(10)\n14,129\n14,129\n \n14,119\n14,119\n \n2 \n4,648 \n4,650 \nTrading account assets\n1,095\n1,095\n \n2,168\n2,168\n \n3,263\n3,263\n \n256 \n1,507 \n1,763 \nDebt securities\n(2,435)\n(2,435)\n5,560\n5,560\n \n3,125\n3,125\n \n301 \n4,473 \n4,774 \nLoans and leases\nResidential mortgage\n37\n37\n \n511\n511\n \n548\n548\n \n287 \n93 \n380 \nHome equity\n(50)\n(50)\n562\n562\n \n512\n512\n \n(125)\n18 \n(107)\nCredit card\n1,269\n1,269\n \n759\n759\n \n2,028\n2,028\n \n841 \n(205)\n636 \nDirect/Indirect and other consumer\n(75)\n(75)\n1,958\n1,958\n \n1,883\n1,883\n \n250 \n791 \n1,041 \nTotal consumer\n4,971\n4,971\n \n1,950 \nU.S. commercial\n381\n381\n \n6,862\n6,862\n \n7,243\n7,243\n \n1,113 \n2,532 \n3,645 \nNon-U.S. commercial\n12\n12\n \n4,309\n4,309\n \n4,321\n4,321\n \n452 \n1,498 \n1,950 \nCommercial real estate\n302\n302\n \n2,265\n2,265\n \n2,567\n2,567\n \n126 \n973 \n1,099 \nCommercial lease financing\n1\n1\n \n172\n172\n \n173\n173\n \n(59)\n70 \n11 \nTotal commercial\n14,304\n14,304\n \n6,705 \nTotal loans and leases\n19,275\n19,275\n \n8,655 \nOther earning assets\n(343)\n(343)\n4,680\n4,680\n \n4,337\n4,337\n \n(144)\n2,670 \n2,526 \nNet increase (decrease) in interest income\n$\n$\n57,826\n57,826\n \n$\n24,904 \nIncrease (decrease) in interest expense\nIncrease (decrease) in interest expense\nU.S. interest-bearing deposits\nDemand and money market deposit accounts\n$\n$\n(96)\n(96)\n$\n$\n12,478\n12,478\n \n$\n$\n12,382\n12,382\n \n$\n(18)\n$\n2,849 \n$\n2,831 \nTime and savings deposits\n429\n429\n \n6,119\n6,119\n \n6,548\n6,548\n \n13 \n635 \n648 \nTotal U.S. interest-bearing deposits\n18,930\n18,930\n \n3,479 \nNon-U.S.", "499bc1f4-4fed-4766-8753-66417f1999e5": "interest-bearing deposits\nDemand and money market deposit accounts\n$\n$\n(96)\n(96)\n$\n$\n12,478\n12,478\n \n$\n$\n12,382\n12,382\n \n$\n(18)\n$\n2,849 \n$\n2,831 \nTime and savings deposits\n429\n429\n \n6,119\n6,119\n \n6,548\n6,548\n \n13 \n635 \n648 \nTotal U.S. interest-bearing deposits\n18,930\n18,930\n \n3,479 \nNon-U.S. interest-bearing deposits\n146\n146\n \n2,369\n2,369\n \n2,515\n2,515\n \n(4)\n706 \n702 \nTotal interest-bearing deposits\n21,445\n21,445\n \n4,181 \nFederal funds purchased and securities loaned or sold under agreements to\n repurchase\n1,662\n1,662\n \n14,804\n14,804\n \n16,466\n16,466\n \n11 \n3,645 \n3,656 \nShort-term borrowings and other interest-bearing liabilities\n312\n312\n \n6,797\n6,797\n \n7,109\n7,109\n \n(238)\n3,918 \n3,680 \nTrading account liabilities\n(156)\n(156)\n661\n661\n \n505\n505\n \n(63)\n473 \n410 \nLong-term debt\n74\n74\n \n7,629\n7,629\n \n7,703\n7,703\n \n118 \n3,320 \n3,438 \nNet increase (decrease) in interest expense\n53,228\n53,228\n \n15,365 \nNet increase (decrease) in net interest income \nNet increase (decrease) in net interest income \n$\n$\n4,598\n4,598\n \n$\n9,539 \nThe changes for each category of interest income and expense are divided between the portion of change attributable to the variance in volume and the portion of change attributable to the variance in rate for that category. The unallocated change in rate or volume\nvariance is allocated between the rate and volume variances.\nIncludes an increase in FTE basis adjustments of $129 million from 2022 to 2023 and $11 million from 2021 to 2022.\n(1)\n(1)\n(1)\n(2)\n(2)\n(1)\n(2)\n33\n33\n \nBank of America", "f3820917-a168-480a-aee6-e28717642fa7": "Business Segment Operations\nBusiness Segment Operations\nSegment Description and Basis of Presentation\nSegment Description and Basis of Presentation\nWe report our results of operations through the following four business segments: \nConsumer Banking, GWIM, Global Banking \nand \nGlobal Markets\n, with the\nremaining operations recorded in \nAll Other\n. We manage our segments and report their results on an FTE basis. The primary activities, products and businesses\nof the business segments and \nAll Other\n are shown below.\nCapture.jpg\nWe periodically review capital allocated to our businesses and allocate\ncapital annually during the strategic and capital planning processes. We utilize\na methodology that considers the effect of regulatory capital requirements in\naddition to internal risk-based capital models. Our internal risk-based capital\nmodels use a risk-adjusted methodology incorporating each segment\u2019s\ncredit, market, interest rate, business and operational risk components. For\nmore information on the nature of these risks, see Managing Risk on page 44.\nThe capital allocated to the business segments is referred to as allocated\ncapital. Allocated equity in the reporting units is comprised of allocated capital\nplus capital for the portion of goodwill and intangibles specifically assigned to\nthe reporting unit. For more information, including the definition of a reporting\nunit, see \nNote 7 \u2013 Goodwill and Intangible Assets \nto the Consolidated\nFinancial Statements.\nFor more information on our presentation of financial information on an\nFTE basis, see Supplemental Financial Data on page 29, and for\nreconciliations to consolidated total revenue, net income and year-end total\nassets, see\n Note 23 \u2013 Business Segment Information\n to the Consolidated\nFinancial Statements.\nKey Performance Indicators\nKey Performance Indicators\nWe present certain key financial and nonfinancial performance indicators that\nmanagement uses when evaluating segment results. We believe they are\nuseful to investors because they provide additional information about our\nsegments\u2019 operational performance, customer trends and business growth.\nBank of America \n34\n34", "287a4a88-f348-458e-b6eb-e49e15b2ec29": "Consumer Banking\nConsumer Banking\nDeposits\nDeposits\nConsumer Lending\nConsumer Lending\nTotal Consumer Banking\nTotal Consumer Banking\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\n% Change\nNet interest income\n$\n$\n22,545\n22,545\n \n$\n19,254 \n$\n$\n11,144\n11,144\n \n$\n10,791 \n$\n$\n33,689\n33,689\n \n$\n30,045 \n12 \n%\nNoninterest income:\nCard income\n(40)\n(40)\n(36)\n5,304\n5,304\n \n5,205 \n5,264\n5,264\n \n5,169 \n2 \nService charges\n2,314\n2,314\n \n2,703 \n3\n3\n \n3 \n2,317\n2,317\n \n2,706 \n(14)\nAll other income\n607\n607\n \n478 \n154\n154\n \n237 \n761\n761\n \n715 \n6 \nTotal noninterest income\n2,881\n2,881\n \n3,145 \n5,461\n5,461\n \n5,445 \n8,342\n8,342\n \n8,590 \n(3)\nTotal revenue, net of interest expense\n25,426\n25,426\n \n22,399 \n16,605\n16,605\n \n16,236 \n42,031\n42,031\n \n38,635 \n9 \nProvision for credit losses\n491\n491\n \n564 \n4,667\n4,667\n \n1,416 \n5,158\n5,158\n \n1,980 \nn/m\nNoninterest expense\n13,358\n13,358\n \n12,393 \n8,058\n8,058\n \n7,684 \n21,416\n21,416\n \n20,077 \n7 \nIncome before income taxes\n11,577\n11,577\n \n9,442 \n3,880\n3,880\n \n7,136 \n15,457\n15,457\n \n16,578 \n(7)\nIncome tax expense\n2,894\n2,894\n \n2,314 \n970\n970\n \n1,748 \n3,864\n3,864\n \n4,062 \n(5)\nNet income\nNet income\n$\n$\n8,683\n8,683\n \n$\n7,128 \n$\n$\n2,910\n2,910\n \n$\n5,388 \n$\n$\n11,593\n11,593\n \n$\n12,516 \n(7)\nEffective tax rate \n25.0\n25.0\n \n%\n%\n24.5 \n%\nNet interest yield\n2.28\n2.28\n \n%\n%\n1.82 \n%\n3.66\n3.66\n \n%\n%\n3.72 \n%\n3.26\n3.26\n \n%\n%\n2.73 \n%\nReturn on average allocated capital\n63\n63\n \n55 \n10\n10\n \n20 \n28\n28\n \n31 \nEfficiency ratio\n52.54\n52.54\n \n55.33 \n48.52\n48.52\n \n47.32 \n50.95\n50.95\n \n51.96 \nBalance Sheet\nBalance Sheet\nAverage\nAverage\nTotal loans and leases\n$\n$\n4,129\n4,129\n \n$\n4,161 \n$\n$\n304,561\n304,561\n \n$\n288,205 \n$\n$\n308,690\n308,690\n \n$\n292,366 \n6 \n%\nTotal earning assets\n989,000\n989,000\n \n1,057,531 \n304,838\n304,838\n \n289,719 \n1,032,525\n1,032,525\n \n1,099,410 \n(6)\nTotal assets \n1,022,361\n1,022,361\n \n1,090,692 \n310,805\n310,805\n \n296,499 \n1,071,853\n1,071,853\n \n1,139,351 \n(6)\nTotal deposits\n987,675\n987,675\n \n1,056,783 \n5,075\n5,075\n \n5,778 \n992,750\n992,750\n \n1,062,561 \n(7)\nAllocated capital\n13,700\n13,700\n \n13,000 \n28,300\n28,300\n \n27,000 \n42,000\n42,000\n \n40,000 \n5 \nYear End\nYear End\nTotal loans and leases\n$\n$\n4,218\n4,218\n \n$\n4,148 \n$\n$\n310,901\n310,901\n \n$\n300,613 \n$\n$\n315,119\n315,119\n \n$\n304,761 \n3 \n%\nTotal earning assets \n965,088\n965,088\n \n1,043,", "79821bcd-3db9-4b28-8b84-5e129dd3800a": "090,692 \n310,805\n310,805\n \n296,499 \n1,071,853\n1,071,853\n \n1,139,351 \n(6)\nTotal deposits\n987,675\n987,675\n \n1,056,783 \n5,075\n5,075\n \n5,778 \n992,750\n992,750\n \n1,062,561 \n(7)\nAllocated capital\n13,700\n13,700\n \n13,000 \n28,300\n28,300\n \n27,000 \n42,000\n42,000\n \n40,000 \n5 \nYear End\nYear End\nTotal loans and leases\n$\n$\n4,218\n4,218\n \n$\n4,148 \n$\n$\n310,901\n310,901\n \n$\n300,613 \n$\n$\n315,119\n315,119\n \n$\n304,761 \n3 \n%\nTotal earning assets \n965,088\n965,088\n \n1,043,049 \n311,008\n311,008\n \n300,787 \n1,009,360\n1,009,360\n \n1,085,079 \n(7)\nTotal assets\n999,372\n999,372\n \n1,077,203 \n317,194\n317,194\n \n308,007 \n1,049,830\n1,049,830\n \n1,126,453 \n(7)\nTotal deposits\n964,136\n964,136\n \n1,043,194 \n5,436\n5,436\n \n5,605 \n969,572 \n1,048,799 \n(8)\nEstimated at the segment level only.\nIn segments and businesses where the total of liabilities and equity exceeds assets, we allocate assets from \nAll Other\n to match the segments\u2019 and businesses\u2019 liabilities and allocated shareholders\u2019 equity. As a result, total earning assets and total assets of the\nbusinesses may not equal total \nConsumer Banking\n.\nn/m = not meaningful\nConsumer Banking\n, comprised of Deposits and Consumer Lending, offers a\ndiversified range of credit, banking and investment products and services to\nconsumers and small businesses. Deposits and Consumer Lending include\nthe net impact of migrating customers and their related deposit, brokerage\nasset and loan balances between Deposits, Consumer Lending and \nGWIM\n,\nas well as other client-managed businesses. Our customers and clients have\naccess to a coast-to-coast network including financial centers in 39 states and\nthe District of Columbia. As of December 31, 2023, our network includes\napproximately 3,800 financial centers, approximately 15,000 ATMs, nationwide\ncall centers and leading digital banking platforms with more than 46 million\nactive users, including approximately 38 million active mobile users.\nConsumer Banking Results\nConsumer Banking Results\nNet income for \nConsumer Banking\n decreased $923 million to $11.6 billion\ndue to an increase in provision for credit losses and higher noninterest\nexpense, partially offset by higher revenue. Net interest income increased $3.6\nbillion to $33.7 billion primarily driven by higher interest rates and loan\nbalances, partially offset by lower deposit balances. Noninterest income\ndecreased $248 million to $8.3 billion primarily driven by the impact of non-\nsufficient funds and overdraft policy changes.\nThe provision for credit losses increased $3.2 billion to $5.2 billion\nprimarily driven by credit card loan growth and asset quality. Noninterest\nexpense increased $1.3 billion to $21.4\nbillion primarily driven by continued investments in the business, including\npeople and technology, higher litigation expense, including consumer\nregulatory matters, and higher FDIC expense.\nThe return on average allocated capital was \n28 percent\n, down\n from 31\npercent, due to an increase in allocated capital and lower net income\n. For\nmore information on capital allocated to the business segments, see\nBusiness Segment Operations on page 34.\nDeposits\nDeposits\nDeposits includes the results of consumer deposit activities that consist of a\ncomprehensive range of products provided to consumers and small\nbusinesses. Our deposit products include noninterest- and interest-bearing\nchecking accounts, money market savings accounts, traditional savings\naccounts, CDs and IRAs, as well as investment accounts and products. Net\ninterest income is allocated to deposit products using our funds transfer\npricing process that matches assets and liabilities with similar interest rate\nsensitivity and maturity characteristics. Deposits generates fees such as\naccount service fees and ATM fees, as well as investment and brokerage fees\nfrom Consumer Investment accounts.", "fcd76de5-29d0-41ef-b9cb-7b9c6a008003": "The return on average allocated capital was \n28 percent\n, down\n from 31\npercent, due to an increase in allocated capital and lower net income\n. For\nmore information on capital allocated to the business segments, see\nBusiness Segment Operations on page 34.\nDeposits\nDeposits\nDeposits includes the results of consumer deposit activities that consist of a\ncomprehensive range of products provided to consumers and small\nbusinesses. Our deposit products include noninterest- and interest-bearing\nchecking accounts, money market savings accounts, traditional savings\naccounts, CDs and IRAs, as well as investment accounts and products. Net\ninterest income is allocated to deposit products using our funds transfer\npricing process that matches assets and liabilities with similar interest rate\nsensitivity and maturity characteristics. Deposits generates fees such as\naccount service fees and ATM fees, as well as investment and brokerage fees\nfrom Consumer Investment accounts. Consumer Investments serves\ninvestment client relationships through the Merrill Edge integrated investing\nand banking service platform, providing investment advice and guidance, client\nbrokerage asset services, self-directed online investing and key banking\ncapabilities including access to the Corporation\u2019s network of financial centers\nand ATMs.\n(1)\n (2)\n(2)\n(2)\n (2)\n(1)\n(2)\n35\n35\n \nBank of America", "13202eaa-1957-4f6e-9ab7-a1270a31e8e9": "Net income for \nDeposits\n increased \n$1.6 billion\n to \n$8.7 billion\n primarily due\nto higher revenue, partially offset by higher noninterest expense. Net interest\nincome increased \n$3.3 billion\n to \n$22.5 billion\n primarily due to higher interest\nrates, partially offset by lower deposit balances. Noninterest income\ndecreased \n$264 million\n to \n$2.9 billion primarily driven by the impact of non-\nsufficient funds and overdraft policy changes.\nNoninterest expense increased \n$965 million\n to \n$13.4 billion\n primarily due\nto continued investments in the business, including people and technology,\nhigher litigation expense, including consumer regulatory matters, and higher\nFDIC expense.\nAverage deposits decreased $69.1 billion to $987.7 billion primarily due to\nnet outflows of $51.8 billion in money market savings and $28.6 billion in\nchecking, partially offset by growth in time deposits of $19.9 billion.\nThe table below provides key performance indicators for Deposits.\nManagement uses these metrics, and we believe they are useful to investors\nbecause they provide additional information to evaluate our deposit profitability\nand digital/ mobile trends.\nKey Statistics \u2013 Deposits\nKey Statistics \u2013 Deposits\n2023\n2023\n2022\nTotal deposit spreads (excludes noninterest costs) \n2.70%\n2.70%\n1.86%\nYear end\nYear end\nConsumer investment assets (in millions) \n$\n$\n424,410\n424,410\n$\n319,648\nActive digital banking users (in thousands) \n46,265\n46,265\n44,054\nActive mobile banking users (in thousands) \n37,927\n37,927\n35,452\nFinancial centers\n3,845\n3,845\n3,913\nATMs\n15,168\n15,168\n15,528\nIncludes deposits held in Consumer Lending.\nIncludes client brokerage assets, deposit sweep balances, Bank of America, N.A. brokered CDs and AUM in \nConsumer\nBanking\n.\nRepresents mobile and/or online active users over the past 90 days.\nRepresents mobile active users over the past 90 days.\nConsumer investment assets increased $104.8 billion to $424.4 billion\ndriven by market performance and client flows. Active mobile banking users\nincreased approximately two million, reflecting continuing changes in our\nclients\u2019 banking preferences. We had a net decrease of 68 financial centers\nand 360 ATMs as we continue to optimize our consumer banking network.\nConsumer Lending\nConsumer Lending\nConsumer Lending offers products to consumers and small businesses\nacross the U.S. The products offered include debit and credit cards, residential\nmortgages and home equity loans, and direct and indirect loans such as\nautomotive, recreational vehicle and consumer personal loans. In addition to\nearning net interest spread revenue on its lending activities, Consumer\nLending generates interchange revenue from debit and credit card\ntransactions, late fees, cash advance fees, annual credit card fees, mortgage\nbanking fee income and other miscellaneous fees. Consumer Lending\nproducts are available to our customers through our retail network, direct\ntelephone, and online and mobile channels. Consumer Lending results also\ninclude the impact of servicing residential mortgages and home equity loans,\nincluding loans held on the balance sheet of Consumer Lending and loans\nserviced for others.\nNet income for Consumer Lending decreased \n$2.5 billion\n to \n$2.9 billion\nprimarily due to an increase in provision for credit losses. Net interest income\nincreased \n$353 million\n to \n$11.1 billion\n primarily due to higher loan balances.\nNoninterest income increased \n$16 million\n to \n$5.5 billion,\n relatively unchanged\nfrom the same period a year ago.\nThe provision for credit losses increased \n$3.3 billion\n to \n$4.7 billion\nprimarily driven by credit card loan growth and asset quality.\n Noninterest\nexpense increased \n$374 million \nto \n$8.1 billion\n primarily driven by continued\ninvestments in the business, including people and technology.\nAverage loans increased \n$16.4 billion\n to \n$304.6 billion\n primarily driven by\nan increase in credit card loans.\nThe table below provides key performance indicators for Consumer\nLending. Management uses these metrics, and we believe they are useful to\ninvestors because they provide additional information about loan growth and\nprofitability.", "73da88a0-29f9-46f1-ac01-f42372b894ca": "Net interest income\nincreased \n$353 million\n to \n$11.1 billion\n primarily due to higher loan balances.\nNoninterest income increased \n$16 million\n to \n$5.5 billion,\n relatively unchanged\nfrom the same period a year ago.\nThe provision for credit losses increased \n$3.3 billion\n to \n$4.7 billion\nprimarily driven by credit card loan growth and asset quality.\n Noninterest\nexpense increased \n$374 million \nto \n$8.1 billion\n primarily driven by continued\ninvestments in the business, including people and technology.\nAverage loans increased \n$16.4 billion\n to \n$304.6 billion\n primarily driven by\nan increase in credit card loans.\nThe table below provides key performance indicators for Consumer\nLending. Management uses these metrics, and we believe they are useful to\ninvestors because they provide additional information about loan growth and\nprofitability.\nKey Statistics \u2013 Consumer Lending\nKey Statistics \u2013 Consumer Lending\n(Dollars in millions)\n2023\n2023\n2022\nTotal credit card \nTotal credit card \nGross interest yield \n11.88\n11.88\n \n%\n%\n10.42 \n%\nRisk-adjusted margin \n7.83\n7.83\n \n10.06 \nNew accounts (in thousands)\n4,275\n4,275\n \n4,397 \nPurchase volumes\n$\n$\n363,117\n363,117\n \n$\n356,588 \nDebit card purchase volumes\nDebit card purchase volumes\n$\n$\n527,074\n527,074\n \n$\n503,583 \nIncludes \nGWIM's\n credit card portfolio.\nCalculated as the effective annual percentage rate divided by average loans.\nCalculated as the difference between total revenue, net of interest expense, and net credit losses divided by average loans.\nDuring 2023, the total risk-adjusted margin decreased 223 bps primarily\ndriven by higher net credit losses, lower net fee income and lower interest\nmargin. Total credit card purchase volumes increased $6.5 billion to $363.1\nbillion and debit card purchase volumes increased $23.5 billion to $527.1\nbillion, reflecting higher levels of consumer spending.\nKey Statistics \u2013 Loan Production \nKey Statistics \u2013 Loan Production \n(Dollars in millions)\n2023\n2023\n2022\nConsumer Banking:\nFirst mortgage\n$\n$\n9,145\n9,145\n \n$\n20,981 \nHome equity\n8,328\n8,328\n \n7,988 \nTotal \n:\nFirst mortgage\n$\n$\n19,405\n19,405\n \n$\n44,765 \nHome equity\n9,814\n9,814\n \n9,591 \nThe loan production amounts represent the unpaid principal balance of loans and, in the case of home equity, the principal\namount of the total line of credit.\nIn addition to loan production in \nConsumer Banking\n, there is also first mortgage and home equity loan production in \nGWIM.\nFirst mortgage loan originations for \nConsumer Banking\n and the total\nCorporation decreased $11.8 billion and $25.4 billion during 2023 primarily\ndriven by higher interest rates, resulting in lower customer demand.\nHome equity production in \nConsumer Banking \nand the total Corporation\nincreased $340 million and $223 million during 2023 primarily driven by\nhigher demand.\n(1)\n(2)\n(3)\n(4)\n(1)\n(2)\n(3)\n(4)\n(1)\n(1)\n(2)\n(3)\n(1)\n(2)\n(3)\n(1)\n(1)\n(2)\n(1)\n(2)\nBank of America \n36\n36", "91dffbe1-a644-4bb3-84c6-8482859ccd3e": "Global Wealth & Investment Management\nGlobal Wealth & Investment Management\n(Dollars in millions)\n2023\n2023\n2022\n% Change\nNet interest income\n$\n$\n7,147\n7,147\n \n$\n7,466 \n(4)\n%\nNoninterest income:\nInvestment and brokerage services\n13,213\n13,213\n \n13,561 \n(3)\nAll other income\n745\n745\n \n721 \n3 \nTotal noninterest income\n13,958\n13,958\n \n14,282 \n(2)\nTotal revenue, net of interest expense\n21,105\n21,105\n \n21,748 \n(3)\nProvision for credit losses\n6\n6\n \n66 \n(91)\nNoninterest expense\n15,836\n15,836\n \n15,490 \n2 \nIncome before income taxes\n5,263\n5,263\n \n6,192 \n(15)\nIncome tax expense\n1,316\n1,316\n \n1,517 \n(13)\nNet income\nNet income\n$\n$\n3,947\n3,947\n \n$\n4,675 \n(16)\nEffective tax rate\n25.0\n25.0\n \n%\n%\n24.5 \n%\nNet interest yield\n2.17\n2.17\n \n1.95 \nReturn on average allocated capital\n21\n21\n \n27 \nEfficiency ratio\n75.04\n75.04\n \n71.23 \nBalance Sheet\nBalance Sheet\nAverage\nAverage\nTotal loans and leases\n$\n$\n219,503\n219,503\n \n$\n219,810 \n\u2014 \n%\nTotal earning assets\n329,493\n329,493\n \n383,352 \n(14)\nTotal assets\n342,531\n342,531\n \n396,167 \n(14)\nTotal deposits\n298,335\n298,335\n \n351,329 \n(15)\nAllocated capital\n18,500\n18,500\n \n17,500 \n6 \nYear end\nYear end\nTotal loans and leases\n$\n219,657 \n$\n223,910 \n(2)\n%\nTotal earning assets\n330,653\n330,653\n \n355,461 \n(7)\nTotal assets\n344,626\n344,626\n \n368,893 \n(7)\nTotal deposits\n299,657\n299,657\n \n323,899 \n(7)\nGWIM\n consists of two primary businesses: Merrill Wealth Management and\nBank of America Private Bank.\nMerrill Wealth Management\u2019s advisory business provides a high-touch\nclient experience through a network of financial advisors focused on clients\nwith over $250,000 in total investable assets. Merrill Wealth Management\nprovides tailored solutions to meet clients\u2019 needs through a full set of\ninvestment management, brokerage, banking and retirement products.\nBank of America Private Bank, together with Merrill Wealth Management\u2019s\nPrivate Wealth Management business, provides comprehensive wealth\nmanagement solutions targeted to high net worth and ultra high net worth\nclients, as well as customized solutions to meet clients\u2019 wealth structuring,\ninvestment management, trust and banking needs, including specialty asset\nmanagement services.\nNet income for \nGWIM\n decreased $728 million to $3.9 billion primarily due\nto lower revenue and higher noninterest expense. The operating margin was\n25 percent compared to 28 percent a year ago.\nNet interest income decreased $319 million to $7.1 billion primarily driven\nby lower average deposit balances and a portfolio mix shift to higher yielding\ndeposit products.\nNoninterest income, which primarily includes investment and brokerage\nservices income, decreased $324 million to $14.0 billion. The decrease was\nprimarily driven by lower transactional revenue and asset management fees\ndriven by declines in AUM\npricing as well as lower average market valuations, partially offset by the\nimpact of positive AUM flows.\nNoninterest expense increased $346 million to $15.8 billion primarily due\nto continued investments in the business, including strategic hiring and\ntechnology, as well as higher FDIC expense, partially offset by lower revenue-\nrelated incentives.\nThe return on average allocated capital was 21 percent, down from 27\npercent, due to lower net income and, to a lesser extent, a small increase in\nallocated capital.\nAverage loans totaled $219.5 billion, relatively unchanged from the same\nperiod a year ago. Average deposits decreased $53.0 billion to $298.3 billion\nprimarily driven by clients moving deposits to higher yielding investment cash\nalternatives, including offerings on our investment and brokerage platforms.", "0d8ff94d-fc5f-4bb9-a5ca-f732fef69dd4": "The decrease was\nprimarily driven by lower transactional revenue and asset management fees\ndriven by declines in AUM\npricing as well as lower average market valuations, partially offset by the\nimpact of positive AUM flows.\nNoninterest expense increased $346 million to $15.8 billion primarily due\nto continued investments in the business, including strategic hiring and\ntechnology, as well as higher FDIC expense, partially offset by lower revenue-\nrelated incentives.\nThe return on average allocated capital was 21 percent, down from 27\npercent, due to lower net income and, to a lesser extent, a small increase in\nallocated capital.\nAverage loans totaled $219.5 billion, relatively unchanged from the same\nperiod a year ago. Average deposits decreased $53.0 billion to $298.3 billion\nprimarily driven by clients moving deposits to higher yielding investment cash\nalternatives, including offerings on our investment and brokerage platforms.\nMerrill Wealth Management revenue of $17.5 billion decreased four percent\nprimarily driven by lower net interest income, lower transactional revenue and\nasset management fees driven by declines in AUM pricing as well as lower\naverage market valuations, partially offset by the impact of positive AUM flows.\nBank of America Private Bank revenue of $3.6 billion increased one percent\nprimarily driven by higher net interest income as well as higher asset\nmanagement fees driven by the impact of positive AUM flows.\n37\n37\n \nBank of America", "daa9dc50-1d56-43ad-8c12-19de9b107138": "Key Indicators and Metrics\nKey Indicators and Metrics\n(Dollars in millions)\n2023\n2023\n2022\nRevenue by Business\nRevenue by Business\nMerrill Wealth Management\n$\n$\n17,461\n17,461\n \n$\n18,135 \nBank of America Private Bank\n3,644\n3,644\n \n3,613 \nTotal revenue, net of interest expense\nTotal revenue, net of interest expense\n$\n$\n21,105\n21,105\n \n$\n21,748 \nClient Balances by Business, at year end\nClient Balances by Business, at year end\nMerrill Wealth Management\n$\n$\n3,182,735\n3,182,735\n \n$\n2,822,910 \nBank of America Private Bank\n606,639\n606,639\n \n563,931 \nTotal client balances\nTotal client balances\n$\n$\n3,789,374\n3,789,374\n \n$\n3,386,841 \nClient Balances by Type, at year end\nClient Balances by Type, at year end\nAssets under management\n$\n$\n1,617,740\n1,617,740\n \n$\n1,401,474 \nBrokerage and other assets\n1,688,923\n1,688,923\n \n1,482,025 \nDeposits\n299,657\n299,657\n \n323,899 \nLoans and leases \n222,287\n222,287\n \n226,973 \nLess: Managed deposits in assets under management\n(39,233)\n(39,233)\n(47,530)\nTotal client balances\nTotal client balances\n$\n$\n3,789,374\n3,789,374\n \n$\n3,386,841 \nAssets Under Management Rollforward\nAssets Under Management Rollforward\nAssets under management, beginning of year\n$\n$\n1,401,474\n1,401,474\n \n$\n1,638,782 \nNet client flows\n52,227\n52,227\n \n20,785 \nMarket valuation/other\n164,039\n164,039\n \n(258,093)\nTotal assets under management, end of year\nTotal assets under management, end of year\n$\n$\n1,617,740\n1,617,740\n \n$\n1,401,474 \nTotal wealth advisors, at year end \nTotal wealth advisors, at year end \n18,916\n18,916\n \n19,273 \nIncludes margin receivables which are classified in customer and other receivables on the Consolidated Balance Sheet.\nIncludes advisors across all wealth management businesses in \nGWIM\n and \nConsumer Banking.\nClient Balances\nClient Balances\nClient balances managed under advisory and/or discretion of GWIM are AUM\nand are typically held in diversified portfolios. Fees earned on AUM are\ncalculated as a percentage of clients\u2019 AUM balances. The asset management\nfees charged to clients per year depend on various factors but are commonly\ndriven by the breadth of the client\u2019s relationship. The net client AUM flows\nrepresent \nthe \nnet \nchange \nin \nclients\u2019 \nAUM \nbalances \nover \na\nspecified period of time, excluding market appreciation/depreciation and other\nadjustments.\nClient balances increased $402.5 billion, or 12 percent, to $3.8 trillion at\nDecember 31, 2023 compared to December 31, 2022. The increase in client\nbalances was primarily due to the impact of higher end-of-period market\nvaluations and positive net client flows.\n(1)\n(2)\n(2)\n(1)\n(2)\nBank of America \n38\n38", "505b33ff-c66d-4f7e-b76d-a0fcd90a603f": "Global Banking\nGlobal Banking\n(Dollars in millions)\n2023\n2023\n2022\n% Change\nNet interest income\n$\n$\n14,645\n14,645\n \n$\n12,184 \n20 \n%\nNoninterest income:\nService charges\n2,952\n2,952\n \n3,293 \n(10)\nInvestment banking fees\n2,819\n2,819\n \n3,004 \n(6)\nAll other income\n4,380\n4,380\n \n3,748 \n17 \nTotal noninterest income\n10,151\n10,151\n \n10,045 \n1 \nTotal revenue, net of interest expense\n24,796\n24,796\n \n22,229 \n12 \nProvision for credit losses\n(586)\n(586)\n641 \nn/m\nNoninterest expense\n11,344\n11,344\n \n10,966 \n3 \nIncome before income taxes\n14,038\n14,038\n \n10,622 \n32 \nIncome tax expense\n3,790\n3,790\n \n2,815 \n35 \nNet income\nNet income\n$\n$\n10,248\n10,248\n \n$\n7,807 \n31 \nEffective tax rate\n27.0\n27.0\n \n%\n%\n26.5 \n%\nNet interest yield\n2.73\n2.73\n \n2.26 \nReturn on average allocated capital\n21\n21\n \n18 \nEfficiency ratio\n45.75\n45.75\n \n49.34 \nBalance Sheet\nBalance Sheet\nAverage\nTotal loans and leases\n$\n$\n378,762\n378,762\n \n$\n375,271 \n1 \n%\nTotal earning assets\n535,500\n535,500\n \n539,032 \n(1)\nTotal assets\n602,579\n602,579\n \n603,273 \n\u2014\nTotal deposits\n505,627\n505,627\n \n511,804 \n(1)\nAllocated capital\n49,250\n49,250\n \n44,500 \n11 \nYear end\nYear end\nTotal loans and leases\n$\n$\n373,891\n373,891\n \n$\n379,107 \n(1)\n%\nTotal earning assets\n552,453\n552,453\n \n522,539 \n6 \nTotal assets\n621,751\n621,751\n \n588,466 \n6 \nTotal deposits\n527,060\n527,060\n \n498,661 \n6 \nn/m = not meaningful\nGlobal Banking\n, which includes Global Corporate Banking, Global\nCommercial Banking, Business Banking and Global Investment Banking,\nprovides a wide range of lending-related products and services, integrated\nworking capital management and treasury solutions, and underwriting and\nadvisory services through our network of offices and client relationship teams.\nOur lending products and services include commercial loans, leases,\ncommitment facilities, trade finance, commercial real estate lending and\nasset-based lending. Our treasury solutions business includes treasury\nmanagement, foreign exchange, short-term investing options and merchant\nservices. We also provide investment banking services to our clients such as\ndebt and equity underwriting and distribution, and merger-related and other\nadvisory services. Underwriting debt and equity issuances, fixed-income and\nequity research, and certain market-based activities are executed through our\nglobal broker-dealer affiliates, which are our primary dealers in several\ncountries. Within \nGlobal Banking\n, Global Corporate Banking clients generally\ninclude large global corporations, financial institutions and leasing clients.\nGlobal Commercial Banking clients generally include middle-market\ncompanies, commercial real estate firms and not-for-profit companies.\nBusiness Banking clients include mid-sized U.S.-based businesses requiring\ncustomized and integrated financial advice and solutions.\nNet income for \nGlobal Banking\n increased $2.4 billion to $10.2 billion driven\nby higher revenue and lower provision for credit losses, partially offset by\nhigher noninterest expense.\nNet interest income increased $2.5 billion to $14.6 billion primarily due to\nthe benefit of higher interest rates.\nNoninterest income increased $106 million to $10.2 billion driven by\nnegative valuation adjustments on leveraged loans in the prior year and higher\nrevenue from tax-advantaged investment activities in the current year, partially\noffset by lower treasury service charges and lower investment banking fees.\nThe provision for credit losses improved $1.2 billion to a benefit of $586\nmillion primarily due to an improved macroeconomic outlook.\nNoninterest expense increased $378 million to $11.3 billion primarily due\nto continued investments in the business, including technology and strategic\nhiring in 2022, and higher FDIC expense, partially offset by expenses\nrecognized for certain regulatory matters in the prior-year period.\nThe return on average allocated capital was 21 percent, up from 18\npercent, due to higher net income, partially offset by higher allocated capital.", "fa127bff-93fe-4c43-8a6f-ffdae0b29a0b": "Net interest income increased $2.5 billion to $14.6 billion primarily due to\nthe benefit of higher interest rates.\nNoninterest income increased $106 million to $10.2 billion driven by\nnegative valuation adjustments on leveraged loans in the prior year and higher\nrevenue from tax-advantaged investment activities in the current year, partially\noffset by lower treasury service charges and lower investment banking fees.\nThe provision for credit losses improved $1.2 billion to a benefit of $586\nmillion primarily due to an improved macroeconomic outlook.\nNoninterest expense increased $378 million to $11.3 billion primarily due\nto continued investments in the business, including technology and strategic\nhiring in 2022, and higher FDIC expense, partially offset by expenses\nrecognized for certain regulatory matters in the prior-year period.\nThe return on average allocated capital was 21 percent, up from 18\npercent, due to higher net income, partially offset by higher allocated capital.\nGlobal Corporate, Global Commercial and Business\nGlobal Corporate, Global Commercial and Business\nBanking\nBanking\nGlobal Corporate, Global Commercial and Business Banking each include\nBusiness Lending and Global Transaction Services activities. Business\nLending includes various lending-related products and services, and related\nhedging activities, including commercial loans, leases, commitment facilities,\ntrade finance, real estate lending and asset-based lending. Global\nTransaction Services includes deposits, treasury management, credit card,\nforeign exchange and short-term investment products.\n39\n39\n \nBank of America", "45ff7a85-cd4d-4793-b811-2b99d23172b4": "The following table and discussion present a summary of the results, which exclude certain investment banking and other activities in \nGlobal Banking\n.\nGlobal Corporate, Global Commercial and Business Banking\nGlobal Corporate, Global Commercial and Business Banking\nGlobal Corporate Banking\nGlobal Corporate Banking\nGlobal Commercial Banking\nGlobal Commercial Banking\nBusiness Banking\nBusiness Banking\nTotal\nTotal\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\nRevenue\nRevenue\nBusiness Lending\n$\n$\n4,928\n4,928\n \n$\n4,325 \n$\n$\n5,016\n5,016\n \n$\n4,316 \n$\n$\n253\n253\n \n$\n251 \n$\n$\n10,197\n10,197\n \n$\n8,892 \nGlobal Transaction Services\n5,746\n5,746\n \n5,002 \n4,139\n4,139\n \n4,166 \n1,531\n1,531\n \n1,213 \n11,416\n11,416\n \n10,381 \nTotal revenue, net of interest expense\nTotal revenue, net of interest expense\n$\n$\n10,674\n10,674\n \n$\n9,327 \n$\n$\n9,155\n9,155\n \n$\n8,482 \n$\n$\n1,784\n1,784\n \n$\n1,464 \n$\n$\n21,613\n21,613\n \n$\n19,273 \nBalance Sheet\nBalance Sheet\nAverage\nAverage\nTotal loans and leases\n$\n$\n171,554\n171,554\n \n$\n174,052 \n$\n$\n194,725\n194,725\n \n$\n187,597 \n$\n$\n12,285\n12,285\n \n$\n12,743 \n$\n$\n378,564\n378,564\n \n$\n374,392 \nTotal deposits\n272,964\n272,964\n \n250,648 \n181,905\n181,905\n \n204,893 \n50,759\n50,759\n \n56,263 \n505,628\n505,628\n \n511,804 \nYear end\nYear end\nTotal loans and leases\n$\n$\n167,055\n167,055\n \n$\n174,905 \n$\n$\n194,565\n194,565\n \n$\n191,051 \n$\n$\n12,129\n12,129\n \n$\n12,683 \n$\n$\n373,749\n373,749\n \n$\n378,639 \nTotal deposits\n289,961\n289,961\n \n262,033 \n188,141\n188,141\n \n186,112 \n48,951\n48,951\n \n50,516 \n527,053\n527,053\n \n498,661 \nBusiness Lending revenue increased $1.3 billion in 2023 compared to\n2022 primarily driven by higher interest rates, higher revenue from tax-\nadvantaged investment activities and the impact of higher average loan\nbalances.\nGlobal Transaction Services revenue increased $1.0 billion in 2023\ncompared to 2022 primarily driven by higher interest rates, partially offset by\nlower treasury service charges and the impact of lower average deposit\nbalances.\nAverage loans and leases increased one percent in 2023 compared to\n2022 due to client demand. Average deposits decreased one percent in 2023\ncompared to 2022 due to declines in domestic balances.\nGlobal Investment Banking\nGlobal Investment Banking\nClient teams and product specialists underwrite and distribute debt, equity\nand loan products, and provide advisory services and tailored risk\nmanagement solutions. The economics of certain investment banking and\nunderwriting activities are shared primarily between \nGlobal Banking \nand\nGlobal Markets\n under an internal revenue-sharing arrangement.\n Global\nBanking \noriginates certain deal-related transactions with our corporate and\ncommercial clients that are executed and distributed by \nGlobal \nMarkets\n. \nTo\nprovide \na \ncomplete \ndiscussion \nof \nour\nconsolidated investment banking fees, the table below presents total\nCorporation investment banking fees and the portion attributable to \nGlobal\nBanking.", "0a4232a6-6df3-4176-9386-20673fedc7de": "Average loans and leases increased one percent in 2023 compared to\n2022 due to client demand. Average deposits decreased one percent in 2023\ncompared to 2022 due to declines in domestic balances.\nGlobal Investment Banking\nGlobal Investment Banking\nClient teams and product specialists underwrite and distribute debt, equity\nand loan products, and provide advisory services and tailored risk\nmanagement solutions. The economics of certain investment banking and\nunderwriting activities are shared primarily between \nGlobal Banking \nand\nGlobal Markets\n under an internal revenue-sharing arrangement.\n Global\nBanking \noriginates certain deal-related transactions with our corporate and\ncommercial clients that are executed and distributed by \nGlobal \nMarkets\n. \nTo\nprovide \na \ncomplete \ndiscussion \nof \nour\nconsolidated investment banking fees, the table below presents total\nCorporation investment banking fees and the portion attributable to \nGlobal\nBanking.\nInvestment Banking Fees\nInvestment Banking Fees\nGlobal Banking\nGlobal Banking\nTotal Corporation\nTotal Corporation\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\nProducts\nProducts\nAdvisory\n$\n$\n1,392\n1,392\n \n$\n1,643 \n$\n$\n1,575\n1,575\n \n$\n1,783 \nDebt issuance\n1,073\n1,073\n \n1,099 \n2,403\n2,403\n \n2,523 \nEquity issuance\n354\n354\n \n262 \n886\n886\n \n709 \nGross investment banking\nGross investment banking\nfees\nfees\n2,819\n2,819\n \n3,004 \n4,864\n4,864\n \n5,015 \nSelf-led deals\n(43)\n(43)\n(78)\n(156)\n(156)\n(192)\nTotal investment banking\nTotal investment banking\nfees\nfees\n$\n$\n2,776\n2,776\n \n$\n2,926 \n$\n$\n4,708\n4,708\n \n$\n4,823 \nTotal Corporation investment banking fees, which exclude self-led deals\nand are primarily included within \nGlobal Banking\n and \nGlobal Market\ns,\ndecreased two percent to $4.7 billion primarily due to lower advisory and debt\nissuance fees, partially offset by higher equity issuance fees.\nBank of America \n40\n40", "254fea29-004f-408b-a3f5-5faf24e2b273": "Global Markets\nGlobal Markets\n(Dollars in millions)\n2023\n2023\n2022\n% Change\nNet interest income\n$\n$\n1,678\n1,678\n \n$\n3,088 \n(46)\n%\nNoninterest income:\nInvestment and brokerage services\n1,993\n1,993\n \n2,002 \n\u2014 \nInvestment banking fees\n1,874\n1,874\n \n1,820 \n3 \nMarket making and similar activities\n13,430\n13,430\n \n11,406 \n18 \nAll other income\n552\n552\n \n(178)\nn/m\nTotal noninterest income\n17,849\n17,849\n \n15,050 \n19 \nTotal revenue, net of interest expense\n19,527\n19,527\n \n18,138 \n8 \nProvision for credit losses\n(131)\n(131)\n28 \nn/m\nNoninterest expense\n13,206\n13,206\n \n12,420 \n6 \nIncome before income taxes\n6,452\n6,452\n \n5,690 \n13 \nIncome tax expense\n1,774\n1,774\n \n1,508 \n18 \nNet income\nNet income\n$\n$\n4,678\n4,678\n \n$\n4,182 \n12 \nEffective tax rate\n27.5\n27.5\n \n%\n%\n26.5 \n%\nReturn on average allocated capital\n10\n10\n \n10 \nEfficiency ratio\n67.63\n67.63\n \n68.48 \nBalance Sheet\nBalance Sheet\nAverage\nAverage\nTrading-related assets:\nTrading account securities\n$\n$\n318,443\n318,443\n \n$\n303,587 \n5 \n%\nReverse repurchases\n133,735\n133,735\n \n126,324 \n6 \nSecurities borrowed\n121,547\n121,547\n \n116,764 \n4 \nDerivative assets\n44,303\n44,303\n \n54,128 \n(18)\nTotal trading-related assets\n618,028\n618,028\n \n600,803 \n3 \nTotal loans and leases\n129,657\n129,657\n \n116,652 \n11 \nTotal earning assets\n652,352\n652,352\n \n602,889 \n8 \nTotal assets\n869,756\n869,756\n \n857,637 \n1 \nTotal deposits\n33,278\n33,278\n \n40,382 \n(18)\nAllocated capital\n45,500\n45,500\n \n42,500 \n7 \nYear end\nYear end\nTotal trading-related assets\n$\n$\n542,544\n542,544\n \n$\n564,769 \n(4)\n%\nTotal loans and leases\n136,223\n136,223\n \n127,735 \n7 \nTotal earning assets\n637,955\n637,955\n \n587,772 \n9 \nTotal assets\n817,588\n817,588\n \n812,489 \n1 \nTotal deposits\n34,833\n34,833\n \n39,077 \n(11)\nn/m = not meaningful\nGlobal Markets\n offers sales and trading services and research services to\ninstitutional clients across fixed-income, credit, currency, commodity and\nequity businesses. \nGlobal Markets\n product coverage includes securities and\nderivative products in both the primary and secondary markets. \nGlobal Markets\nprovides market-making, financing, securities clearing, settlement and\ncustody services globally to our institutional investor clients in support of their\ninvesting and trading activities. We also work with our commercial and\ncorporate clients to provide risk management products using interest rate,\nequity, credit, currency and commodity derivatives, foreign exchange, fixed-\nincome and mortgage-related products. As a result of our market-making\nactivities in these products, we may be required to manage risk in a broad\nrange of financial products including government securities, equity and equity-\nlinked securities, high-grade and high-yield corporate debt securities,\nsyndicated loans, MBS, commodities and asset-backed securities. The\neconomics of certain investment banking and underwriting activities are\nshared primarily between \nGlobal Markets\n and \nGlobal Banking\n under an\ninternal revenue-sharing arrangement. \nGlobal Banking\n originates certain\ndeal-related transactions with our corporate and commercial clients that are\nexecuted and distributed by \nGlobal Markets\n. For information on investment\nbanking fees on a consolidated basis, see page 40.\nThe following explanations for year-over-year changes in results for \nGlobal\nMarkets\n, including those disclosed under Sales and Trading Revenue, are the\nsame for amounts including and excluding net DVA. Amounts excluding net\nDVA are a non-GAAP financial measure. For more information on net DVA, see\nSupplemental Financial Data on page 29\n.", "8b97c875-be3f-4bb6-9ed0-e9b3623df7a9": "The\neconomics of certain investment banking and underwriting activities are\nshared primarily between \nGlobal Markets\n and \nGlobal Banking\n under an\ninternal revenue-sharing arrangement. \nGlobal Banking\n originates certain\ndeal-related transactions with our corporate and commercial clients that are\nexecuted and distributed by \nGlobal Markets\n. For information on investment\nbanking fees on a consolidated basis, see page 40.\nThe following explanations for year-over-year changes in results for \nGlobal\nMarkets\n, including those disclosed under Sales and Trading Revenue, are the\nsame for amounts including and excluding net DVA. Amounts excluding net\nDVA are a non-GAAP financial measure. For more information on net DVA, see\nSupplemental Financial Data on page 29\n.\nNet income for \nGlobal Markets\n increased $496 million to $4.7 billion in\n2023 compared to 2022. Net DVA losses were $236 million compared to\ngains of $20 million in 2022. Excluding net DVA, net income increased $690\nmillion to $4.9 billion. These increases were primarily driven by an increase in\nrevenue, partially offset by higher noninterest expense.\nRevenue increased $1.4 billion to $19.5 billion primarily due to higher\nsales and trading revenue in the current-year period and negative valuation\nadjustments on leveraged loans in the prior-year period. Sales and trading\nrevenue increased $887 million, and excluding net DVA, increased $1.1 billion.\nThese increases were primarily driven by higher revenue in FICC. Noninterest\nexpense increased $786 million to $13.2 billion, primarily driven by continued\ninvestments in the business, including people and technology, partially offset\nby expenses recognized for certain regulatory matters in the prior-year period.\nAverage total assets increased $12.1 billion to $869.8 billion, driven by\nhigher levels of inventory, increased secured\n41\n41\n \nBank of America", "54bc0a4e-82e9-48a1-9837-e24573c30612": "financing activity and loan growth in FICC, partially offset by lower levels of\ninventory in Equities. Year-end total assets increased $5.1 billion to $817.6\nbillion driven by the same factors as average assets.\nThe return on average allocated capital was 10 percent, unchanged from\nthe same period a year ago. For information on capital allocated to the\nbusiness segments, see Business Segment Operations on page 34.\nSales and Trading Revenue\nSales and Trading Revenue\nSales and trading revenue includes unrealized and realized gains and losses\non trading and other assets which are included in market making and similar\nactivities, net interest income, and fees primarily from commissions on equity\nsecurities. Sales and trading revenue is segregated into fixed-income\n(government debt obligations, investment and non-investment grade corporate\ndebt obligations, commercial MBS, residential mortgage-backed securities,\ncollateralized loan obligations, interest rate and credit derivative contracts),\ncurrencies (interest rate and foreign exchange contracts), commodities\n(primarily futures, forwards, swaps and options) and equities (equity-linked\nderivatives and cash equity activity). The following table and related discussion\npresent sales and trading revenue, substantially all of which is in \nGlobal\nMarkets\n, with the remainder in \nGlobal Banking\n. In addition, the following table\nand related discussion also present sales and trading revenue, excluding net\nDVA, which is a non-GAAP financial measure. For more information on net\nDVA, see\n Supplemental Financial Data \non page 29\n.\nSales and Trading Revenue \nSales and Trading Revenue \n(Dollars in millions)\n2023\n2023\n2022\nSales and trading revenue \nSales and trading revenue \nFixed-income, currencies and commodities\n$\n$\n10,896\n10,896\n \n$\n9,917 \nEquities\n6,480\n6,480\n \n6,572 \nTotal sales and trading revenue\nTotal sales and trading revenue\n$\n$\n17,376\n17,376\n \n$\n16,489 \nSales and trading revenue, excluding net DVA \nSales and trading revenue, excluding net DVA \nFixed-income, currencies and commodities\n$\n$\n11,122\n11,122\n \n$\n9,898 \nEquities\n6,490\n6,490\n \n6,571 \nTotal sales and trading revenue, excluding net DVA\nTotal sales and trading revenue, excluding net DVA\n$\n$\n17,612\n17,612\n \n$\n16,469 \nFor more information on sales and trading revenue, see \nNote 3 \u2013 Derivatives\n to the Consolidated Financial Statements.\nIncludes FTE adjustments of $546 million and $354 million for 2023 and 2022.\nIncludes \nGlobal Banking\n sales and trading revenue of $654 million and $1.0 billion for 2023 and 2022.\nFICC and Equities sales and trading revenue, excluding net DVA, is a non-GAAP financial measure. FICC net DVA gains\n(losses) were $(226) million and $19 million for 2023 and 2022. Equities net DVA gains (losses) were $(10) million and $1\nmillion for 2023 and 2022.\nIncluding and excluding net DVA, FICC revenue increased $979 million and\n$1.2 billion driven by an improved trading environment for credit and mortgage\nproducts and an increase in secured financing activity. Including and excluding\nnet DVA, Equities revenue decreased $92 million and $81 million driven by\nweaker trading performance in derivatives, partially offset by an increase in\nclient financing activities.\n(1, 2, 3)\n(1, 2, 3)\n(2)\n(2)\n(4)\n(4)\n(1)\n(2)\n(3)\n(4)\nBank of America \n42\n42", "623c6c48-6129-4a11-a769-a690b61f9093": "All Other\nAll Other\n(Dollars in millions)\n2023\n2023\n2022\n% Change\nNet interest income\n$\n$\n339\n339\n \n$\n117 \nn/m\nNoninterest income (loss)\n(8,650)\n(8,650)\n(5,479)\n58 \n%\nTotal revenue, net of interest expense\n(8,311)\n(8,311)\n(5,362)\n55 \nProvision for credit losses\n(53)\n(53)\n(172)\n(69)\nNoninterest expense\n4,043\n4,043\n \n2,485 \n63 \nLoss before income taxes\n(12,301)\n(12,301)\n(7,675)\n60 \nIncome tax benefit\n(8,350)\n(8,350)\n(6,023)\n39 \nNet loss\nNet loss\n$\n$\n(3,951)\n(3,951)\n$\n(1,652)\n139 \nBalance Sheet\nBalance Sheet\nAverage\nAverage\nTotal loans and leases\n$\n$\n9,644\n9,644\n \n$\n12,683 \n(24)\n%\nTotal assets \n266,794\n266,794\n \n139,466 \n91 \nTotal deposits\n57,551\n57,551\n \n20,082 \nn/m\nYear end\nYear end\nTotal loans and leases\n$\n$\n8,842\n8,842\n \n$\n10,234 \n(14)\n%\nTotal assets \n346,356\n346,356\n \n155,074 \n123 \nTotal deposits\n92,705\n92,705\n \n19,905 \nn/m\nIn segments where the total of liabilities and equity exceeds assets, which are generally deposit-taking segments, we allocate assets from \nAll Other\n to those segments to match liabilities (i.e., deposits) and allocated shareholders\u2019 equity. Average allocated assets\nwere $975.9 billion and $1.1 trillion for 2023 and 2022 and year-end allocated assets were $972.9 billion and $1.0 trillion at December 31, 2023 and 2022.\nn/m = not meaningful\nAll Other\n primarily consists of asset and liability management (ALM) activities,\nliquidating businesses and certain expenses not otherwise allocated to a\nbusiness segment. ALM activities encompass interest rate and foreign\ncurrency risk management activities for which substantially all of the results\nare allocated to our business segments. For more information on our ALM\nactivities, \nsee \nNote 23 \u2013 Business Segment Information\n \nto the Consolidated\nFinancial Statements.\nThe net loss in \nAll Other\n increased $2.3 billion to $4.0 billion primarily due\nto lower noninterest income and higher noninterest expense, partially offset by\na higher income tax benefit.\nNoninterest income decreased $3.2 billion primarily due to a net charge\nincurred as a result of the impact of BSBY\u2019s future cessation, higher\npartnership losses for tax-advantaged investments and losses on sales of\nAFS debt securities. The announcement of BSBY\u2019s future cessation resulted in\na $1.6 billion net charge due to the Corporation\u2019s determination that certain\nforecasted BSBY-indexed interest payments, which had been designated in\ncash flow hedges, were no longer expected to occur beyond November 15,\n2024 as they will transition to a new reference rate. Accordingly, during the\nfourth quarter of 2023, \nthe Corporation \nreclassified the fair value of the interest\nrate swaps used in the cash flow hedges related to these forecasted\ntransactions from accumulated other comprehensive income (OCI) into\nnoninterest income. The Corporation also recognized subsequent fair value\nchanges of the interest rate swaps into noninterest income until they were re-\ndesignated into new cash flow hedges.\nNoninterest expense increased $1.6 billion primarily due to an accrual of\n$2.1 billion for the estimated amount of the FDIC special assessment\nresulting from the closure of Silicon Valley Bank and Signature Bank, as well\nas higher costs related to a liquidating business activity in the current year,\npartially offset by higher litigation expense in the prior year.\nThe income tax benefit was $8.4 billion in 2023 compared to a benefit of\n$6.0 billion in 2022. The income tax benefit in \nAll\n \nOther\n resulted from both\nperiods having income tax benefit adjustments to allocate the FTE treatment of\ncertain tax credits \nto \nGlobal Banking\n and \nGlobal Markets.", "dcfe7470-8b3c-4cfc-a7fb-94cf21b9d400": "The Corporation also recognized subsequent fair value\nchanges of the interest rate swaps into noninterest income until they were re-\ndesignated into new cash flow hedges.\nNoninterest expense increased $1.6 billion primarily due to an accrual of\n$2.1 billion for the estimated amount of the FDIC special assessment\nresulting from the closure of Silicon Valley Bank and Signature Bank, as well\nas higher costs related to a liquidating business activity in the current year,\npartially offset by higher litigation expense in the prior year.\nThe income tax benefit was $8.4 billion in 2023 compared to a benefit of\n$6.0 billion in 2022. The income tax benefit in \nAll\n \nOther\n resulted from both\nperiods having income tax benefit adjustments to allocate the FTE treatment of\ncertain tax credits \nto \nGlobal Banking\n and \nGlobal Markets. \nThe increase in the\nincome tax benefit in 2023 was primarily due to the benefit recorded against\npretax charges for the FDIC special assessment and impact of BSBY\u2019s future\ncessation, as well as higher income tax credits related to tax-advantaged\ninvestment activity.\n(1)\n(1)\n(1)\n43\n43\n \nBank of America", "f111f0d7-e1b9-4f16-98d5-f745e08c0323": "Managing Risk\nManaging Risk\nRisk is inherent in all our business activities. Sound risk management\nenables us to serve our customers and deliver for our shareholders. If not\nmanaged well, risk can result in financial loss, regulatory sanctions and\npenalties, and damage to our reputation, each of which may adversely impact\nour ability to execute our business strategies. We take a comprehensive\napproach to risk management with a defined Risk Framework and an\narticulated Risk Appetite Statement, which are approved annually by the\nEnterprise Risk Committee (ERC) and the Board.\nThe seven key types of risk faced by the Corporation are strategic, credit,\nmarket, liquidity, compliance, operational and reputational.\n\u25cf\n Strategic risk is the risk to current or projected financial condition arising\nfrom incorrect assumptions about external or internal factors, inappropriate\nbusiness plans, ineffective business strategy execution or failure to\nrespond in a timely manner to changes in the regulatory, macroeconomic\nor competitive environments in the geographic locations in which we\noperate.\n\u25cf\n Credit risk is the risk of loss arising from the inability or failure of a borrower\nor counterparty to meet its obligations.\n\u25cf\n Market risk is the risk that changes in market conditions adversely impact\nthe value of assets or liabilities or otherwise negatively impact earnings.\nMarket risk is composed of price risk and interest rate risk.\n\u25cf\n Liquidity risk is the inability to meet expected or unexpected cash flow and\ncollateral needs while continuing to support our businesses and\ncustomers under a range of economic conditions.\n\u25cf\n Compliance risk is the risk of legal or regulatory sanctions, material\nfinancial loss or damage to the reputation of the Corporation arising from\nthe failure of the Corporation to comply with the requirements of applicable\nlaws, rules and regulations and our internal policies and procedures.\n\u25cf\n Operational risk is the risk of loss resulting from inadequate or failed\ninternal processes or systems, people or external events.\n\u25cf\n Reputational risk is the risk that negative perception of the Corporation may\nadversely impact \nprofitability or operations.\nThe following sections address in more detail the specific procedures,\nmeasures and analyses of the major categories of risk.\nAs set forth in our Risk Framework, a culture of managing risk well is\nfundamental to our values and our purpose, and how we drive Responsible\nGrowth. It requires us to focus on risk in all activities and encourages the\nnecessary mindset and behavior to enable effective risk management and\npromote sound risk-taking within our risk appetite. Sustaining a culture of\nmanaging risk well throughout the organization is critical to the success of the\nCorporation and is a clear expectation of our executive management team and\nthe Board.\nOur Risk Framework serves as the foundation for the consistent and\neffective management of risks facing the Corporation. The Risk Framework\nsets forth roles and responsibilities for the management of risk and provides a\nblueprint for how the Board, through delegation of authority to committees and\nexecutive officers, establishes risk appetite and associated limits for our\nactivities.\nExecutive management assesses, with Board oversight, the risk-adjusted\nreturns of each business. Management reviews and approves the strategic\nand financial operating plans, as well as the capital plan and Risk Appetite\nStatement, and recommends them annually to the Board for approval. Our\nstrategic plan takes into consideration return objectives and financial\nresources, which must align with risk capacity and risk appetite. Management\nsets financial objectives for each business by allocating capital and setting a\ntarget for return on capital for each business. Capital allocations are regularly\nevaluated as part of our overall governance processes as the businesses and\nthe economic environment in which we operate continue to evolve. For more\ninformation regarding capital allocations, see Business Segment Operations\non page 34.\nThe Corporation\u2019s risk appetite indicates the amount of capital, earnings or\nliquidity we are willing to put at risk to achieve our strategic objectives and\nbusiness plans, consistent with applicable regulatory requirements. Our risk\nappetite provides a common framework that includes a set of measures to\nassist senior management and the Board in assessing the Corporation\u2019s risk\nprofile across all risk types against our risk appetite and risk capacity. Our risk\nappetite is formally articulated in the Risk Appetite Statement, which includes\nboth qualitative statements and quantitative limits.\nOur overall capacity to take risk is limited; therefore, we prioritize the risks\nwe take in order to maintain a strong and flexible financial position so we can\nweather challenging economic times and take advantage of organic growth\nopportunities. Therefore, we set objectives and targets for capital and liquidity\nthat are intended to permit us to continue to operate in a safe and sound\nmanner at all times, including during periods of stress.", "96d923d0-a427-4c47-9937-61f5e0ffa9e0": "The Corporation\u2019s risk appetite indicates the amount of capital, earnings or\nliquidity we are willing to put at risk to achieve our strategic objectives and\nbusiness plans, consistent with applicable regulatory requirements. Our risk\nappetite provides a common framework that includes a set of measures to\nassist senior management and the Board in assessing the Corporation\u2019s risk\nprofile across all risk types against our risk appetite and risk capacity. Our risk\nappetite is formally articulated in the Risk Appetite Statement, which includes\nboth qualitative statements and quantitative limits.\nOur overall capacity to take risk is limited; therefore, we prioritize the risks\nwe take in order to maintain a strong and flexible financial position so we can\nweather challenging economic times and take advantage of organic growth\nopportunities. Therefore, we set objectives and targets for capital and liquidity\nthat are intended to permit us to continue to operate in a safe and sound\nmanner at all times, including during periods of stress. We also maintain\noperational risk management and operational resiliency capabilities designed\nto permit us to meet the expectations of our customers and clients through a\nrange of operating conditions.\nOur lines of business operate with risk limits that align with the\nCorporation\u2019s risk appetite. Senior management is responsible for tracking\nand reporting performance measurements as well as any exceptions to risk\nappetite limits. The Board, and its committees when appropriate, oversee\nfinancial performance, execution of the strategic and financial operating plans,\nadherence to risk appetite limits and the adequacy of internal controls.\nFor a more detailed discussion of our risk management activities, see the\ndiscussion below and pages 47 through 82.\nRisk Management Governance\nRisk Management Governance\nThe Risk Framework describes delegations of authority whereby the Board\nand its committees may delegate authority to management-level committees\nor executive officers. Such delegations may authorize certain decision-making\nand approval functions, which may be evidenced in documents such as\ncommittee charters, job descriptions, meeting minutes and resolutions.\nThe chart below illustrates the interrelationship among the Board, Board\ncommittees and management committees that have the majority of risk\noversight responsibilities for the Corporation.\nBank of America \n44\n44", "f3adcff6-79d7-42ed-9dbf-c2e88416db14": "2023 - 10-K - BOD Chart.jpg\nBoard of Directors and Board Committees\nBoard of Directors and Board Committees\nThe Board is composed of 15 directors, all but one of whom are independent.\nThe Board authorizes management to maintain an effective Risk Framework\nand oversees compliance with safe and sound banking practices. In addition,\nthe Board or its committees conduct inquiries of, and receive reports from\nsenior management on, risk-related matters to assess scope or resource\nlimitations that could impede the ability of Global Risk Management (GRM)\nand/or Corporate Audit to execute its responsibilities. The Board committees\ndiscussed below have the principal responsibility for enterprise-wide oversight\nof our risk management activities. Through these activities, the Board and\napplicable committees are provided with information on our risk profile and\noversee senior management addressing key risks we face. Other Board\ncommittees, as described below, provide additional oversight of specific risks.\nEach of the committees shown on the above chart regularly reports to the\nBoard on risk-related matters within the committee\u2019s responsibilities, which is\nintended to collectively provide the Board with integrated insight about our\nmanagement of enterprise-wide risks.\nAudit Committee\nAudit Committee\nThe Audit Committee oversees the qualifications, performance and\nindependence of the Independent Registered Public Accounting Firm, the\nperformance of our corporate audit function, the integrity of our consolidated\nfinancial statements, our compliance with legal and regulatory requirements,\nand makes inquiries of senior management or the Chief Audit Executive (CAE)\nto determine whether there are scope or resource limitations that impede the\nability of Corporate Audit to execute its responsibilities. The Audit Committee is\nalso responsible for overseeing compliance risks pursuant to the New York\nStock Exchange listing standards.\nEnterprise Risk Committee\nEnterprise Risk Committee\nThe ERC oversees the Corporation\u2019s Risk Framework, risk appetite and\nsenior management\u2019s responsibilities for the identification, measurement,\nmonitoring and control of key risks facing the Corporation. The ERC may\nconsult with other Board committees on risk-related matters.\nOther Board Committees\nOther Board Committees\nOur Corporate Governance, ESG, and Sustainability Committee oversees our\nBoard\u2019s governance processes, identifies and reviews the qualifications of\npotential Board members, leads Board and committee succession planning\nand their formal self-evaluation, and reviews our ESG activities, shareholder\ninput and shareholder engagement process.\nOur Compensation and Human Capital Committee oversees establishing,\nmaintaining and administering our compensation programs and employee\nbenefit plans, including approving and recommending our Chief Executive\nOfficer\u2019s (CEO) compensation to our Board for further approval by all\nindependent directors; reviewing and approving our executive officers\u2019\ncompensation, as well as compensation for non-management directors; and\nreviewing certain other human capital management topics, including pay\nequity.\nManagement Committees\nManagement Committees\nManagement committees receive their authority from the Board, a Board\ncommittee, or another management committee. Our primary management risk\ncommittee is the MRC. Subject to Board oversight, the MRC is responsible for\nmanagement oversight of key risks facing the Corporation, including an\nintegrated evaluation of risk, earnings, capital and liquidity.\nLines of Defense\nLines of Defense\nWe have clear ownership and accountability for managing risk across three\nlines of defense: Front Line Units (FLUs), GRM and Corporate Audit. We also\nhave control functions outside of FLUs and GRM (e.g., Legal and Global\nHuman Resources). The three lines of defense are integrated into our\nmanagement-level governance structure. Each of these functional roles is\nfurther described in this section.\nExecutive Officers\nExecutive Officers\nExecutive officers lead various functions representing the functional roles.\nAuthority for functional roles may be delegated to executive officers from the\nBoard, Board committees or management-level committees. Executive\nofficers, in turn, may further delegate responsibilities, as appropriate, to\nmanagement-level \ncommittees, \nmanagement \nroutines \nor\n45\n45\n \nBank of America", "9873219a-7b42-4ae3-b802-ba643afba844": "individuals. Executive officers review our activities for consistency with our Risk\nFramework, risk appetite, and applicable strategic, capital and financial\noperating plans, as well as applicable policies and standards. Executive\nofficers and other employees make decisions individually on a day-to-day\nbasis, consistent with the authority they have been delegated. Executive\nofficers and other employees may also serve on committees and participate in\ncommittee decisions.\nFront Line Units\nFront Line Units\nFLUs, which include the lines of business as well as Global Technology and\nGlobal Operations, are responsible for appropriately assessing and effectively\nmanaging all of the risks associated with their activities.\nThree organizational units that include FLU activities and control function\nactivities, but are not part of GRM are (1) the Chief Financial Officer Group; (2)\nthe Chief Administrative Officer Group; and (3) Global Strategy and Enterprise\nPlatforms.\nGlobal Risk Management\nGlobal Risk Management\nGRM is part of our control functions and operates as our independent risk\nmanagement function. GRM, led by the Chief Risk Officer (CRO), is\nresponsible for independently assessing and overseeing risks within FLUs\nand other control functions. GRM establishes written enterprise policies and\nprocedures outlining how aggregate risks are identified, measured, monitored\nand controlled.\nThe CRO has the stature, authority and independence needed to develop\nand implement a meaningful risk management framework and practices to\nguide the Corporation in managing risk. The CRO has unrestricted access to\nthe Board and reports directly to both the ERC and the CEO. GRM is organized\ninto horizontal risk teams that cover a specific risk area and vertical CRO\nteams that cover a particular FLU or control function. These teams work\ncollaboratively in executing their respective duties.\nCorporate Audit\nCorporate Audit\nCorporate Audit and the CAE maintain their independence from the FLUs,\nGRM and other control functions by reporting directly to the Audit Committee.\nThe CAE administratively reports to the CEO. Corporate Audit provides\nindependent assessment and validation through testing of key processes and\ncontrols across the Corporation. Corporate Audit includes Credit Review,\nwhich provides an independent assessment of credit lending decisions and\nthe effectiveness of credit processes across the Corporation\u2019s credit platform\nthrough examinations and monitoring.\nRisk Management Processes\nRisk Management Processes\nThe Risk Framework requires that strong risk management practices are\nintegrated in key strategic, capital and financial planning processes and in\nday-to-day business processes across the Corporation, thereby ensuring\nrisks are appropriately considered, evaluated and responded to in a timely\nmanner. We employ an effective risk management process, referred to as\nIdentify, Measure, Monitor and Control, as part of our daily activities.\nIdentify\nIdentify\n \n \n\u2013 To be effectively managed, risks must be proactively identified and\nwell understood. Proper risk identification focuses on recognizing and\nunderstanding key risks inherent in our business activities or key risks that\nmay arise from external factors. Each employee is expected to identify and\nescalate risks promptly. Risk identification is an ongoing process that\nincorporates input from FLUs and control\nfunctions. It is designed to be forward-looking and to capture relevant risk\nfactors across all of our lines of business.\nMeasure\nMeasure\n \n \n\u2013 Once a risk is identified, it must be prioritized and accurately\nmeasured through a systematic process including qualitative statements\nand quantitative limits. Risk is measured at various levels, including, but not\nlimited to, risk type, FLU and legal entity, and also on an aggregate basis.\nThis risk measurement process helps to capture changes in our risk profile\ndue to changes in strategic direction, concentrations, portfolio quality and\nthe overall economic environment. Senior management considers how risk\nexposures might evolve under a variety of stress scenarios.\nMonitor \nMonitor \n\u2013 We monitor risk levels regularly to track adherence to risk appetite,\npolicies and standards. We also regularly update risk assessments and\nreview risk exposures. Through our monitoring, we know our level of risk\nrelative to limits and can take action in a timely manner. We also know when\nrisk limits are breached and have processes to appropriately report and\nescalate exceptions. This includes timely requests for approval to managers\nand alerts to executive management, management-level committees or the\nBoard (directly or through an appropriate committee).\nControl\nControl\n \u2013 We establish and communicate risk limits and controls through\npolicies, standards, procedures and processes. The limits and controls can\nbe adjusted by senior management or the Board when conditions or risk\ntolerances warrant. These limits may be absolute (e.g., loan amount, trading\nvolume, operational loss) or relative (e.g., percentage of loan book in higher-\nrisk categories).", "19d8eb43-65e0-4bdf-84a0-de8723bbfd4a": "Monitor \nMonitor \n\u2013 We monitor risk levels regularly to track adherence to risk appetite,\npolicies and standards. We also regularly update risk assessments and\nreview risk exposures. Through our monitoring, we know our level of risk\nrelative to limits and can take action in a timely manner. We also know when\nrisk limits are breached and have processes to appropriately report and\nescalate exceptions. This includes timely requests for approval to managers\nand alerts to executive management, management-level committees or the\nBoard (directly or through an appropriate committee).\nControl\nControl\n \u2013 We establish and communicate risk limits and controls through\npolicies, standards, procedures and processes. The limits and controls can\nbe adjusted by senior management or the Board when conditions or risk\ntolerances warrant. These limits may be absolute (e.g., loan amount, trading\nvolume, operational loss) or relative (e.g., percentage of loan book in higher-\nrisk categories). Our FLUs are held accountable for performing within the\nestablished limits.\nThe formal processes used to manage risk represent a part of our overall\nrisk management process. We instill a strong and comprehensive culture of\nmanaging risk well through communications, training, policies, procedures\nand organizational roles and responsibilities. Establishing a culture reflective\nof our purpose to help make our customers\u2019 financial lives better and\ndelivering on Responsible Growth is also critical to effective risk management.\nWe are committed to the highest principles of ethical and professional\nconduct. Conduct risk is the risk of improper actions, behaviors or practices by\nthe Corporation, its employees or representatives that are illegal, unethical\nand/or contrary to our core values that could result in harm to the Corporation,\nour shareholders or our customers, damage the integrity of the financial\nmarkets, or negatively impact our reputation. We have established protocols\nand structures so that conduct risk is governed and reported across the\nCorporation appropriately. All employees are held accountable for adhering to\nthe Code of Conduct, operating within our risk appetite and managing risk in\ntheir daily business activities. In addition, our performance management and\ncompensation practices encourage responsible risk-taking that is consistent\nwith our Risk Framework and risk appetite.\nCorporation-wide Stress Testing\nCorporation-wide Stress Testing\nIntegral to our Capital Planning, Financial Planning and Strategic Planning\nprocesses, we conduct capital scenario management and stress forecasting\non a regular basis to better understand balance sheet, earnings and capital\nsensitivities to a wide range of economic and business scenarios, including\neconomic and market conditions that are more severe than anticipated. These\nstress forecasts provide an understanding of the potential impacts from our\nrisk profile on the balance sheet, earnings and capital, and serve as a key\ncomponent of our capital and risk management practices. The intent of stress\ntesting is to\nBank of America \n46\n46", "e98eddb8-16e3-418a-8ee8-f5476a1458b3": "develop a comprehensive understanding of potential impacts of on- and off-\nbalance sheet risks at the Corporation and certain subsidiaries and how they\nimpact financial resiliency, which provides confidence to management,\nregulators and our investors.\nContingency Planning\nContingency Planning\nWe have developed and maintain comprehensive contingency plans that are\ndesigned to prepare us in advance to respond in the event of potential adverse\neconomic, operational, financial or market stress conditions. These\ncontingency plans include our Financial Contingency and Recovery Plan,\nwhich provides monitoring, escalation, actions and routines designed to\nenable us to increase capital and/or liquidity, access funding sources and\nreduce risk through consideration of potential options that include asset sales,\nbusiness sales, capital or debt issuances, and other risk reducing strategies\nat various levels of capital or liquidity depletion during a period of stress. We\nalso maintain a Resolution Plan to limit adverse systemic impacts that could\nbe associated with a potential resolution of Bank of America.\nStrategic Risk Management\nStrategic Risk Management\nStrategic risk is embedded in every business and is one of the major risk\ncategories along with credit, market, liquidity, compliance, operational and\nreputational risks. This risk results from incorrect assumptions about external\nor internal factors, inappropriate business plans, ineffective business strategy\nexecution, or failure to respond in a timely manner to changes in the\nregulatory, macroeconomic or competitive environments in the geographic\nlocations in which we operate, such as competitor actions, changing customer\npreferences, product obsolescence and technology developments.\nAn aspect of strategic risk is the risk that the Corporation\u2019s capital levels\nare not adequate to meet minimum regulatory requirements and support\nexecution of business activities or absorb losses from risks during normal or\nadverse economic and market conditions. As such, capital risk is managed in\nparallel to strategic risk.\nWe manage strategic risk through the Strategic Risk Enterprise Policy and\nintegration into the strategic planning process, among other activities. Our\nstrategic plan is consistent with our risk appetite, capital plan and liquidity\nrequirements, and specifically addresses strategic risks impacting each\nbusiness.\nOn an annual basis, the Board reviews and approves the strategic plan,\ncapital plan, financial operating plan and Risk Appetite Statement. With\noversight by the Board, senior management directs the lines of business to\nexecute our strategic plan consistent with our core operating principles and\nrisk appetite. The executive management team monitors business\nperformance throughout the year and provides the Board with regular progress\nreports on whether strategic objectives and timelines are being met, including\nreports on strategic risks and if additional or alternative actions need to be\nconsidered or implemented. The regular executive reviews focus on\nassessing forecasted earnings and returns on capital, the current risk profile,\ncurrent capital and liquidity requirements, staffing levels and changes required\nto support the strategic plan, stress testing results, and other qualitative\nfactors such as market growth rates and peer analysis.\nSignificant strategic actions, such as capital actions, material acquisitions\nor divestitures, and resolution plans are reviewed and approved by the Board.\nAt the business level, processes are in place to discuss the strategic risk\nimplications of new, expanded or modified businesses, products or services,\nregulatory change and other strategic initiatives, and to provide formal review\nand approval where required. With oversight by the Board and the ERC,\nexecutive management performs similar analyses throughout the year, and\nevaluates changes to the financial forecast or the risk, capital or liquidity\npositions as deemed appropriate to balance and optimize achieving the\ntargeted risk appetite, shareholder returns and maintaining the targeted\nfinancial strength. Proprietary models are used to measure the capital\nrequirements for credit, country, market, operational and strategic risks. The\nallocated capital assigned to each business is based on its unique risk\nprofile. With oversight by the Board, executive management assesses the risk-\nadjusted returns of each business in approving strategic and financial\noperating plans. The businesses use allocated capital to define business\nstrategies, and price products and transactions.\nCapital Management\nCapital Management\nThe Corporation manages its capital position so that its capital is more than\nadequate to support its business activities and aligns with risk, risk appetite\nand strategic planning. Additionally, we seek to maintain safety and\nsoundness at all times, even under adverse scenarios, take advantage of\norganic growth opportunities, meet obligations to creditors and counterparties,\nmaintain ready access to financial markets, continue to serve as a credit\nintermediary, remain a source of strength for our subsidiaries, and satisfy\ncurrent and future regulatory capital requirements. Capital management is\nintegrated into our risk and governance processes, as capital is a key\nconsideration in the development of our strategic plan, risk appetite and risk\nlimits.", "aa902b68-4b9f-43ed-a852-86e9acc669a4": "With oversight by the Board, executive management assesses the risk-\nadjusted returns of each business in approving strategic and financial\noperating plans. The businesses use allocated capital to define business\nstrategies, and price products and transactions.\nCapital Management\nCapital Management\nThe Corporation manages its capital position so that its capital is more than\nadequate to support its business activities and aligns with risk, risk appetite\nand strategic planning. Additionally, we seek to maintain safety and\nsoundness at all times, even under adverse scenarios, take advantage of\norganic growth opportunities, meet obligations to creditors and counterparties,\nmaintain ready access to financial markets, continue to serve as a credit\nintermediary, remain a source of strength for our subsidiaries, and satisfy\ncurrent and future regulatory capital requirements. Capital management is\nintegrated into our risk and governance processes, as capital is a key\nconsideration in the development of our strategic plan, risk appetite and risk\nlimits.\nWe conduct an Internal Capital Adequacy Assessment Process (ICAAP) on\na periodic basis. The ICAAP is a forward-looking assessment of our projected\ncapital needs and resources, incorporating earnings, balance sheet and risk\nforecasts under baseline and adverse economic and market conditions. We\nutilize periodic stress tests to assess the potential impacts to our balance\nsheet, earnings, regulatory capital and liquidity under a variety of stress\nscenarios. We perform qualitative risk assessments to identify and assess\nmaterial risks not fully captured in our forecasts or stress tests. We assess\nthe potential capital impacts of proposed changes to regulatory capital\nrequirements. Management assesses ICAAP results and provides\ndocumented quarterly assessments of the adequacy of our capital guidelines\nand capital position to the Board or its committees.\nWe periodically review capital allocated to our businesses and allocate\ncapital annually during the strategic and capital planning processes. For more\ninformation, see Business Segment Operations on page 34.\nCCAR and Capital Planning\nCCAR and Capital Planning\nThe Federal Reserve requires BHCs to submit a capital plan and planned\ncapital actions on an annual basis, consistent with the rules governing the\nComprehensive Capital Analysis and Review (CCAR) capital plan, which\nincludes supervisory stress testing by the Federal Reserve. Based on 2023\nstress test results, our stress capital buffer (SCB) is 2.5 percent effective\nOctober 1, 2023 through September 30, 2024.\nIn October 2021, the Board authorized the Corporation\u2019s $25 billion\ncommon stock repurchase program (October 2021 Authorization). Additionally,\nthe Board authorized common stock repurchases to offset shares awarded\nunder the Corporation\u2019s equity-based compensation plans. In September\n2023, the Board modified the October 2021 Authorization, effective\n47\n47\n \nBank of America", "698d2f08-9f04-4096-97d9-6867067f7c57": "October 1, 2023, to include repurchases to offset shares awarded under\nequity-based compensation plans when determining the remaining\nrepurchase authority. Pursuant to the Board\u2019s authorizations, during 2023, we\nrepurchased $4.6 billion of common stock, including repurchases to offset\nshares awarded under equity-based compensation plans. As of\nDecember 31, 2023, the remaining repurchase authority was approximately\n$12.7 billion (including repurchases to offset shares awarded under equity-\nbased compensation plans).\nThe timing and amount of common stock repurchases are subject to\nvarious factors, including the Corporation\u2019s capital position, liquidity, financial\nperformance and alternative uses of capital, stock trading price, regulatory\nrequirements and general market conditions, and may be suspended at any\ntime. Such repurchases may be effected through open market purchases or\nprivately negotiated transactions, including repurchase plans that satisfy the\nconditions of Rule 10b5-1 of the Securities Exchange Act of 1934, as amended\n(Exchange Act).\nRegulatory Capital\nRegulatory Capital\nAs a BHC, we are subject to regulatory capital rules, including Basel 3, issued\nby U.S. banking regulators. Basel 3 established minimum capital ratios and\nbuffer requirements and outlined two methods of calculating risk-weighted\nassets (RWA), the Standardized approach and the Advanced approaches. The\nStandardized approach relies primarily on supervisory risk weights based on\nexposure type, and the Advanced approaches determine risk weights based\non internal models.\nThe Corporation's depository institution subsidiaries are also subject to the\nPrompt Corrective Action (PCA) framework. The Corporation and its primary\naffiliated banking entity, BANA, are Advanced approaches institutions under\nBasel 3 and are required to report regulatory risk-based capital ratios and\nRWA under both the Standardized and Advanced approaches. The lower of the\ncapital ratios under Standardized or Advanced approaches compared to their\nrespective regulatory capital ratio requirements is used to assess capital\nadequacy, including under the PCA framework. As of December 31, 2023, the\ncommon equity tier 1 (CET1) capital, Tier 1 capital and Total capital ratios\nunder the Standardized approach were the binding ratios.\nMinimum Capital Requirements\nMinimum Capital Requirements\nIn order to avoid restrictions on capital distributions and discretionary bonus\npayments to executive officers, the Corporation must meet risk-based capital\nratio requirements that include a capital conservation buffer of 2.5 percent\n(under the Advanced approaches only), an SCB (under the Standardized\napproach only), plus any applicable countercyclical capital buffer\nand a global systemically important bank (G-SIB) surcharge. The buffers and\nsurcharge must be comprised solely of CET1 capital. For the period from\nOctober 1, 2022 through September 30, 2023, the Corporation's minimum\nCET1 capital ratio requirements were 10.4 percent under the Standardized\napproach and 9.5 percent under the Advanced approaches. Effective October\n1, 2023 through December 31, 2023, our CET1 minimum requirement was 9.5\npercent under both the Standardized and Advanced approaches.\nThe Corporation is required to calculate its G-SIB surcharge on an annual\nbasis under two methods and is subject to the higher of the resulting two\nsurcharges. Method 1 is consistent with the approach prescribed by the Basel\nCommittee\u2019s assessment methodology and is calculated using specified\nindicators of systemic importance. Method 2 modifies the Method 1 approach\nby, among other factors, including a measure of the Corporation\u2019s reliance on\nshort-term wholesale funding. Effective January 1, 2024, the Corporation\u2019s G-\nSIB surcharge, which is higher under Method 2, increased 50 bps, resulting in\nan increase in our minimum CET1 capital ratio requirement to 10.0 percent\nfrom 9.5 percent. At December 31, 2023, the Corporation\u2019s CET1 capital ratio\nof 11.8 percent under the Standardized approach exceeded its CET1 capital\nratio requirement as well as the new minimum requirement in place as of\nJanuary 1, 2024.\nThe Corporation is also required to maintain a minimum supplementary\nleverage ratio (SLR) of 3.0 percent plus a leverage buffer of 2.0 percent in\norder to avoid certain restrictions on capital distributions and discretionary\nbonus payments to executive officers.", "a92bfab6-a257-48cd-a2d1-591289b622f8": "Effective January 1, 2024, the Corporation\u2019s G-\nSIB surcharge, which is higher under Method 2, increased 50 bps, resulting in\nan increase in our minimum CET1 capital ratio requirement to 10.0 percent\nfrom 9.5 percent. At December 31, 2023, the Corporation\u2019s CET1 capital ratio\nof 11.8 percent under the Standardized approach exceeded its CET1 capital\nratio requirement as well as the new minimum requirement in place as of\nJanuary 1, 2024.\nThe Corporation is also required to maintain a minimum supplementary\nleverage ratio (SLR) of 3.0 percent plus a leverage buffer of 2.0 percent in\norder to avoid certain restrictions on capital distributions and discretionary\nbonus payments to executive officers. At December 31, 2023, our insured\ndepository institution subsidiaries exceeded their requirement to maintain a\nminimum 6.0 percent SLR to be considered well capitalized under the PCA\nframework. The numerator of the SLR is quarter-end Basel 3 Tier 1 capital.\nThe denominator is total leverage exposure based on the daily average of the\nsum of on-balance sheet exposures less permitted deductions and the\nsimple average of certain off-balance sheet exposures, as of the end of each\nmonth in a quarter.\nCapital Composition and Ratios\nCapital Composition and Ratios\nTable 10 presents Bank of America Corporation\u2019s capital ratios and related\ninformation in accordance with Basel 3 Standardized and Advanced\napproaches as measured at December 31, 2023 and 2022. For the periods\npresented herein, the Corporation met the definition of well capitalized under\ncurrent regulatory requirements.\nBank of America \n48\n48", "fb43b770-52b1-494c-8836-a78ccb05a7c2": "Table 10\nBank of America Corporation Regulatory Capital under Basel 3\nBank of America Corporation Regulatory Capital under Basel 3\nStandardized\nStandardized\nApproach \nApproach \nAdvanced\nAdvanced\nApproaches \nApproaches \nRegulatory\nRegulatory\nMinimum \nMinimum \n(Dollars in millions, except as noted)\nDecember 31, 2023\nDecember 31, 2023\nRisk-based capital metrics:\nRisk-based capital metrics:\nCommon equity tier 1 capital\n$\n$\n194,928\n194,928\n \n$\n$\n194,928\n194,928\n \nTier 1 capital\n223,323\n223,323\n \n223,323\n223,323\n \nTotal capital \n251,399\n251,399\n \n241,449\n241,449\n \nRisk-weighted assets (in billions)\n1,651\n1,651\n \n1,459\n1,459\n \nCommon equity tier 1 capital ratio\n11.8\n11.8\n \n%\n%\n13.4\n13.4\n \n%\n%\n9.5\n9.5\n \n%\n%\nTier 1 capital ratio\n13.5\n13.5\n \n15.3\n15.3\n \n11.0\n11.0\n \nTotal capital ratio\n15.2\n15.2\n \n16.6\n16.6\n \n13.0\n13.0\n \nLeverage-based metrics:\nLeverage-based metrics:\nAdjusted quarterly average assets (in billions) \n$\n$\n3,135\n3,135\n \n$\n$\n3,135\n3,135\n \nTier 1 leverage ratio\n7.1\n7.1\n \n%\n%\n7.1\n7.1\n \n%\n%\n4.0\n4.0\n \nSupplementary leverage exposure (in billions)\n$\n$\n3,676\n3,676\n \nSupplementary leverage ratio\n6.1\n6.1\n \n%\n%\n5.0\n5.0\n \nDecember 31, 2022\nRisk-based capital metrics:\nRisk-based capital metrics:\nCommon equity tier 1 capital\n$\n180,060 \n$\n180,060 \nTier 1 capital\n208,446 \n208,446 \nTotal capital \n238,773 \n230,916 \nRisk-weighted assets (in billions)\n1,605 \n1,411 \nCommon equity tier 1 capital ratio\n11.2 \n%\n12.8 \n%\n10.4 \n%\nTier 1 capital ratio\n13.0 \n14.8 \n11.9 \nTotal capital ratio\n14.9 \n16.4 \n13.9 \nLeverage-based metrics:\nLeverage-based metrics:\nAdjusted quarterly average assets (in billions) \n$\n2,997 \n$\n2,997 \nTier 1 leverage ratio\n7.0 \n%\n7.0 \n%\n4.0 \nSupplementary leverage exposure (in billions)\n$\n3,523 \nSupplementary leverage ratio\n5.9 \n%\n5.0 \nCapital ratios as of December 31, 2023 and 2022 are calculated using the regulatory capital rule that allows a five-year transition period related to the adoption of the current expected credit losses (CECL) accounting standard on January 1, 2020.\nThe CET1 capital regulatory minimum is the sum of the CET1 capital ratio minimum of 4.5 percent, our G-SIB surcharge of 2.5 percent and our capital conservation buffer of 2.5 percent (under the Advanced approaches) or the SCB of 2.5 percent at December 31,\n2023 and 3.4 percent at December 31, 2022 \n(under the Standardized approach), as applicable. The countercyclical capital buffer was zero for both periods. The SLR regulatory minimum includes a leverage buffer of 2.0 percent.\nTotal capital under the Advanced approaches differs from the Standardized approach due to differences in the amount permitted in Tier 2 capital related to the qualifying allowance for credit losses.\nReflects total average assets adjusted for certain Tier 1 capital deductions.\nAt December 31, 2023, CET1 capital was $194.9 billion, an increase of\n$14.9 billion from December 31, 2022, primarily due to earnings, partially\noffset by capital distributions. Tier 1 capital increased $14.9 billion primarily\ndriven by the same factors as CET1 capital. Total capital under the\nStandardized approach increased $12.6 billion primarily due to the same\nfactors driving the increase in Tier 1 capital and an increase in the adjusted\nallowance for credit losses included in Tier 2 capital, partially offset by a\ndecrease in subordinated debt.", "8f7efe61-6795-42b9-9a25-b3623eaa280c": "The SLR regulatory minimum includes a leverage buffer of 2.0 percent.\nTotal capital under the Advanced approaches differs from the Standardized approach due to differences in the amount permitted in Tier 2 capital related to the qualifying allowance for credit losses.\nReflects total average assets adjusted for certain Tier 1 capital deductions.\nAt December 31, 2023, CET1 capital was $194.9 billion, an increase of\n$14.9 billion from December 31, 2022, primarily due to earnings, partially\noffset by capital distributions. Tier 1 capital increased $14.9 billion primarily\ndriven by the same factors as CET1 capital. Total capital under the\nStandardized approach increased $12.6 billion primarily due to the same\nfactors driving the increase in Tier 1 capital and an increase in the adjusted\nallowance for credit losses included in Tier 2 capital, partially offset by a\ndecrease in subordinated debt. RWA\nunder the Standardized approach, which yielded the lower CET1 capital ratio at\nDecember 31, 2023, increased $46.4 billion during 2023 to $1,651 billion\nprimarily due to higher counterparty and market risk exposures in \nGlobal\nMarkets\n and\n \nconsumer loan growth. Supplementary leverage exposure at\nDecember 31, 2023 increased $152.9 billion primarily due to higher cash held\nat central banks, partially offset by lower debt securities balances.\n(1)\n(1)\n(1)\n(1)\n(2)\n(2)\n(3)\n(4)\n(3)\n(4)\n(1)\n(2)\n(3)\n(4)\n49\n49\n \nBank of America", "2e736ec4-ea55-4948-9a5c-592d9f26e93d": "Table 11 shows the capital composition at December 31, 2023 and 2022.\nTable 11\nCapital Composition under Basel 3\nCapital Composition under Basel 3\nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\nTotal common shareholders\u2019 equity\n$\n$\n263,249\n263,249\n \n$\n244,800 \nCECL transitional amount \n1,254\n1,254\n \n1,881 \nGoodwill, net of related deferred tax liabilities\n(68,648)\n(68,648)\n(68,644)\nDeferred tax assets arising from net operating loss and tax credit carryforwards\n(7,912)\n(7,912)\n(7,776)\nIntangibles, other than mortgage servicing rights, net of related deferred tax liabilities\n(1,496)\n(1,496)\n(1,554)\nDefined benefit pension plan net assets\n(764)\n(764)\n(867)\nCumulative unrealized net (gain) loss related to changes in fair value of financial liabilities attributable to own creditworthiness,\n net-of-tax\n1,342\n1,342\n \n496 \nAccumulated net (gain) loss on certain cash flow hedges \n8,025\n8,025\n \n11,925 \nOther\n(122)\n(122)\n(201)\nCommon equity tier 1 capital\nCommon equity tier 1 capital\n194,928\n194,928\n \n180,060 \nQualifying preferred stock, net of issuance cost\n28,396\n28,396\n \n28,396 \nOther\n(1)\n(1)\n(10)\nTier 1 capital\nTier 1 capital\n223,323\n223,323\n \n208,446 \nTier 2 capital instruments\n15,340\n15,340\n \n18,751 \nQualifying allowance for credit losses \n12,920\n12,920\n \n11,739 \nOther\n(184)\n(184)\n(163)\nTotal capital under the Standardized approach\nTotal capital under the Standardized approach\n251,399\n251,399\n \n238,773 \nAdjustment in qualifying allowance for credit losses under the Advanced approaches \n(9,950)\n(9,950)\n(7,857)\nTotal capital under the Advanced approaches\nTotal capital under the Advanced approaches\n$\n$\n241,449\n241,449\n \n$\n230,916 \nDecember 31, 2023 and 2022 include 50 percent and 75 percent of the CECL transition provision\u2019s impact as of December 31, 2021.\nIncludes amounts in accumulated OCI related to the hedging of items that are not recognized at fair value on the Consolidated Balance Sheet.\nIncludes the impact of transition provisions related to the CECL accounting standard.\nTable 12 shows the components of RWA as measured under Basel 3 at December 31, 2023 and 2022.\nTable 12\nRisk-weighted Assets under Basel 3\nRisk-weighted Assets under Basel 3\nStandardized\nStandardized\nApproach\nApproach\nAdvanced\nAdvanced\nApproaches\nApproaches\nStandardized\nApproach\nAdvanced\nApproaches\nDecember 31\nDecember 31\n(Dollars in billions)\n2023\n2023\n2022\nCredit risk\n$\n$\n1,580\n1,580\n \n$\n$\n983\n983\n \n$\n1,538 \n$\n939 \nMarket risk\n71\n71\n \n71\n71\n \n67 \n67 \nOperational risk\nn/a\nn/a\n361\n361\n \nn/a\n364 \nRisks related to credit valuation adjustments\nn/a\nn/a\n44\n44\n \nn/a\n41 \nTotal risk-weighted assets\nTotal risk-weighted assets\n$\n$\n1,651\n1,651\n \n$\n$\n1,459\n1,459\n \n$\n1,605 \n$\n1,411 \nn/a = not applicable\nBank of America, N.A. Regulatory Capital\nBank of America, N.A. Regulatory Capital\nTable 13 presents regulatory capital information for BANA in accordance with Basel 3 Standardized and Advanced approaches as measured at December 31,\n2023 and 2022. BANA met the definition of well capitalized under the PCA framework for both periods.\n(1)\n(2)\n(3)\n(3)\n(1)\n(2)\n(3)\nBank of America \n50\n50", "75cff67f-a0ec-469e-9b1f-50453b8e530a": "Table 13\nBank of America, N.A. Regulatory Capital under Basel 3\nBank of America, N.A. Regulatory Capital under Basel 3\nStandardized\nStandardized\nApproach \nApproach \nAdvanced\nAdvanced\nApproaches \nApproaches \nRegulatory\nRegulatory\nMinimum \nMinimum \n(Dollars in millions, except as noted)\nDecember 31, 2023\nDecember 31, 2023\nRisk-based capital metrics:\nRisk-based capital metrics:\nCommon equity tier 1 capital\n$\n$\n187,621\n187,621\n \n$\n$\n187,621\n187,621\n \nTier 1 capital\n187,621\n187,621\n \n187,621\n187,621\n \nTotal capital \n201,932\n201,932\n \n192,175\n192,175\n \nRisk-weighted assets (in billions)\n1,395\n1,395\n \n1,114\n1,114\n \nCommon equity tier 1 capital ratio\n13.5\n13.5\n \n%\n%\n16.8\n16.8\n \n%\n%\n7.0\n7.0\n \n%\n%\nTier 1 capital ratio\n13.5\n13.5\n \n16.8\n16.8\n \n8.5\n8.5\n \nTotal capital ratio\n14.5\n14.5\n \n17.2\n17.2\n \n10.5\n10.5\n \nLeverage-based metrics:\nLeverage-based metrics:\nAdjusted quarterly average assets (in billions) \n$\n$\n2,471\n2,471\n \n$\n$\n2,471\n2,471\n \nTier 1 leverage ratio\n7.6\n7.6\n \n%\n%\n7.6\n7.6\n \n%\n%\n5.0\n5.0\n \nSupplementary leverage exposure (in billions)\n$\n$\n2,910\n2,910\n \nSupplementary leverage ratio\n6.4\n6.4\n \n%\n%\n6.0\n6.0\n \nDecember 31, 2022\nRisk-based capital metrics:\nRisk-based capital metrics:\nCommon equity tier 1 capital\n$\n181,089 \n$\n181,089 \nTier 1 capital\n181,089 \n181,089 \nTotal capital \n194,254 \n186,648 \nRisk-weighted assets (in billions)\n1,386 \n1,087 \nCommon equity tier 1 capital ratio\n13.1 \n%\n16.7 \n%\n7.0 \n%\nTier 1 capital ratio\n13.1 \n16.7 \n8.5 \nTotal capital ratio\n14.0 \n17.2 \n10.5 \nLeverage-based metrics:\nLeverage-based metrics:\nAdjusted quarterly average assets (in billions) \n$\n2,358 \n$\n2,358 \nTier 1 leverage ratio\n7.7 \n%\n7.7 \n%\n5.0 \nSupplementary leverage exposure (in billions)\n$\n2,785 \nSupplementary leverage ratio\n6.5 \n%\n6.0 \nCapital ratios as of December 31, 2023 and 2022 are calculated using the regulatory capital rule that allows a five-year transition period related to the adoption of the CECL accounting standard on January 1, 2020.\nRisk-based capital regulatory minimums at both December 31, 2023 and 2022 are the minimum ratios under Basel 3 including a capital conservation buffer of 2.5 percent. The regulatory minimums for the leverage ratios as of both period ends are the percent\nrequired to be considered well capitalized under the PCA framework.\nTotal capital under the Advanced approaches differs from the Standardized approach due to differences in the amount permitted in Tier 2 capital related to the qualifying allowance for credit losses.\nReflects total average assets adjusted for certain Tier 1 capital deductions.\nTotal Loss-Absorbing Capacity Requirements\nTotal Loss-Absorbing Capacity Requirements\nTotal loss-absorbing capacity (TLAC) consists of the Corporation\u2019s Tier 1\ncapital and eligible long-term debt issued directly by the Corporation. Eligible\nlong-term debt for TLAC ratios is comprised of unsecured debt that has a\nremaining maturity \nof \nat \nleast \none \nyear \nand \nsatisfies \nadditional\nrequirements as prescribed in the TLAC final rule. As with the risk-based\ncapital ratios and SLR, the Corporation is required to maintain TLAC ratios in\nexcess of minimum requirements plus applicable buffers to avoid restrictions\non capital distributions and discretionary bonus payments to executive officers.\nTable 14 presents the Corporation's TLAC and long-term debt ratios and\nrelated information as of December 31, 2023 and 2022.", "6940b3b3-c9d3-4188-a79d-a59d8163aa4b": "Reflects total average assets adjusted for certain Tier 1 capital deductions.\nTotal Loss-Absorbing Capacity Requirements\nTotal Loss-Absorbing Capacity Requirements\nTotal loss-absorbing capacity (TLAC) consists of the Corporation\u2019s Tier 1\ncapital and eligible long-term debt issued directly by the Corporation. Eligible\nlong-term debt for TLAC ratios is comprised of unsecured debt that has a\nremaining maturity \nof \nat \nleast \none \nyear \nand \nsatisfies \nadditional\nrequirements as prescribed in the TLAC final rule. As with the risk-based\ncapital ratios and SLR, the Corporation is required to maintain TLAC ratios in\nexcess of minimum requirements plus applicable buffers to avoid restrictions\non capital distributions and discretionary bonus payments to executive officers.\nTable 14 presents the Corporation's TLAC and long-term debt ratios and\nrelated information as of December 31, 2023 and 2022.\n(1)\n(1)\n(1)\n(1)\n(2)\n(2)\n(3)\n(4)\n(3)\n(4)\n(1)\n(2)\n(3)\n(4)\n51\n51\n \nBank of America", "71503bc6-34a9-459a-b340-d5e49650b69f": "Table 14\nBank of America Corporation Total Loss-Absorbing Capacity and Long-Term Debt\nBank of America Corporation Total Loss-Absorbing Capacity and Long-Term Debt\nTLAC \nTLAC \nRegulatory Minimum\nRegulatory Minimum\nLong-term \nLong-term \nDebt\nDebt\nRegulatory Minimum\nRegulatory Minimum\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nTotal eligible balance\n$\n$\n479,156\n479,156\n \n$\n$\n239,892\n239,892\n \nPercentage of risk-weighted assets \n29.0\n29.0\n \n%\n%\n22.0\n22.0\n \n%\n%\n14.5\n14.5\n \n%\n%\n8.5\n8.5\n \n%\n%\nPercentage of supplementary leverage exposure\n13.0\n13.0\n \n9.5\n9.5\n \n6.5\n6.5\n \n4.5\n4.5\n \nDecember 31, 2022\nTotal eligible balance\n$\n465,451 \n$\n243,833 \nPercentage of risk-weighted assets \n29.0 \n%\n22.0 \n%\n15.2 \n%\n8.5 \n%\nPercentage of supplementary leverage exposure\n13.2 \n9.5 \n6.9 \n4.5 \nAs of December 31, 2023 and 2022, TLAC ratios are calculated using the regulatory capital rule that allows a five-year transition period related to the adoption of the CECL accounting standard on January 1, 2020.\nThe TLAC RWA regulatory minimum consists of 18.0 percent plus a TLAC RWA buffer comprised of 2.5 percent plus the Method 1 G-SIB surcharge of 1.5 percent. The countercyclical buffer is zero for both periods. The TLAC supplementary leverage exposure\nregulatory minimum consists of 7.5 percent plus a 2.0 percent TLAC leverage buffer. The TLAC RWA and leverage buffers must be comprised solely of CET1 capital and Tier 1 capital, respectively.\nThe long-term debt RWA regulatory minimum is comprised of 6.0 percent plus an additional 2.5 percent requirement based on the Corporation\u2019s Method 2 G-SIB surcharge. The long-term debt leverage exposure regulatory minimum is 4.5 percent. Effective\nJanuary 1, 2024, the Corporation\u2019s G-SIB surcharge, which is higher under Method 2, increased 50 bps, resulting in an increase in our long-term debt RWA regulatory minimum requirement to 9.0 percent from 8.5 percent.\nThe approach that yields the higher RWA is used to calculate TLAC and long-term debt ratios, which was the Standardized approach as of December 31, 2023 and 2022.\nRegulatory\nRegulatory\n \nDevelopments\nDevelopments\nOn July 27, 2023, U.S. banking regulators issued proposed rules that would\nupdate future U.S. regulatory capital requirements. Under the capital proposal,\nthe Advanced approaches would be replaced with a new standardized\napproach, referred to as the expanded risk-based approach, which would be\nphased in over a three-year period beginning July 1, 2025. U.S. banking\nregulators also issued proposed rules to revise the risk-based capital\nsurcharge for G-SIBs, which would be effective two calendar quarters after\nfinalization. On August 29, 2023, U.S. banking regulators issued proposed\nrules that would change the criteria for debt instruments included in the\nCorporation\u2019s eligible long-term debt and TLAC. Any final rules issued are\nsubject to change from the current proposals. The Corporation is evaluating\nthe potential impact of the proposed rules on its regulatory capital, eligible\nlong-term debt and TLAC requirements.\nRegulatory Capital and Securities Regulation\nRegulatory Capital and Securities Regulation\nThe Corporation\u2019s principal U.S. broker-dealer subsidiaries are BofA\nSecurities, Inc. (BofAS) and Merrill Lynch, Pierce, Fenner & Smith Incorporated\n(MLPF&S). On August 13, 2023, Merrill Lynch Professional Clearing Corp.\n(MLPCC) merged into its immediate parent, BofAS. Prior to that date, MLPCC\nwas a fully-guaranteed subsidiary of BofAS and provided clearing and\nsettlement services as well as prime brokerage and arranged financing\nservices for institutional clients. Following the merger, client services\npreviously provided by MLPCC are now being provided by or through BofAS.", "8469db7e-7999-4454-84f8-08382f834e44": "Any final rules issued are\nsubject to change from the current proposals. The Corporation is evaluating\nthe potential impact of the proposed rules on its regulatory capital, eligible\nlong-term debt and TLAC requirements.\nRegulatory Capital and Securities Regulation\nRegulatory Capital and Securities Regulation\nThe Corporation\u2019s principal U.S. broker-dealer subsidiaries are BofA\nSecurities, Inc. (BofAS) and Merrill Lynch, Pierce, Fenner & Smith Incorporated\n(MLPF&S). On August 13, 2023, Merrill Lynch Professional Clearing Corp.\n(MLPCC) merged into its immediate parent, BofAS. Prior to that date, MLPCC\nwas a fully-guaranteed subsidiary of BofAS and provided clearing and\nsettlement services as well as prime brokerage and arranged financing\nservices for institutional clients. Following the merger, client services\npreviously provided by MLPCC are now being provided by or through BofAS.\nThe Corporation's principal European subsidiaries undertaking broker-\ndealer activities are Merrill Lynch International (MLI) and BofA Securities\nEurope SA (BofASE).\nThe U.S. broker-dealer subsidiaries are subject to the net capital\nrequirements of Rule 15c3-1 under the Exchange Act. BofAS computes its\ncapital requirements as an alternative net capital broker-dealer under Rule\n15c3-1e, and MLPF&S computes its capital requirements in accordance with\nthe alternative standard under Rule 15c3-1. BofAS is registered as a futures\ncommission merchant and is subject to Commodity Futures Trading\nCommission (CFTC) Regulation 1.17. The U.S. broker-dealer subsidiaries are\nalso registered with the Financial Industry Regulatory Authority, Inc. (FINRA).\nPursuant to FINRA Rule 4110, FINRA may impose higher net capital\nrequirements than Rule 15c3-1 under the Exchange Act with respect to each of\nthe broker-dealers.\nBofAS provides institutional services, and in accordance with the alternative\nnet capital requirements, is required to maintain tentative net capital in excess\nof $5.0 billion and net capital in excess of the greater of $1.0 billion or a certain\npercentage of its reserve requirement in addition to a certain percentage of\nsecurities-based swap risk margin. BofAS must also notify the SEC in the\nevent its tentative net capital is less than $6.0 billion. BofAS is also required to\nhold a certain percentage of its customers' and affiliates' risk-based margin in\norder to meet its CFTC minimum net capital requirement. At December 31,\n2023, BofAS had tentative net capital of $21.4 billion. BofAS also had regulatory\nnet capital of $19.4 billion, which exceeded the minimum requirement of $4.6\nbillion.\nMLPF&S provides retail services. At December 31, 2023, MLPF&S'\nregulatory net capital was $5.8 billion, which exceeded the minimum\nrequirement of $134 million.\nOur European broker-dealers are subject to requirements from U.S. and\nnon-U.S. regulators. MLI, a U.K. investment firm, is regulated by the Prudential\nRegulation Authority and the Financial Conduct Authority and is subject to\ncertain regulatory capital requirements. At December 31, 2023, MLI\u2019s capital\nresources were $33.9 billion, which exceeded the minimum Pillar 1\nrequirement of $11.4 billion.\nBofASE, an authorized credit institution with its head office located in\nFrance, is regulated by the Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution\nand the Autorit\u00e9 des March\u00e9s Financiers, and supervised under the Single\nSupervisory Mechanism by the European Central Bank. At December 31, 2023,\nBofASE's capital resources were $9.6 billion, which exceeded the minimum\nPillar 1 requirement of $3.6 billion.\nIn addition, MLI and BofASE became conditionally registered with the SEC\nas security-based swap dealers in the fourth quarter of 2021, and maintained\nnet liquid assets at December 31, 2023 that exceeded the applicable\nminimum requirements under the Exchange Act.", "8e325bbf-1112-4723-86ac-a81e8acb7085": "BofASE, an authorized credit institution with its head office located in\nFrance, is regulated by the Autorit\u00e9 de Contr\u00f4le Prudentiel et de R\u00e9solution\nand the Autorit\u00e9 des March\u00e9s Financiers, and supervised under the Single\nSupervisory Mechanism by the European Central Bank. At December 31, 2023,\nBofASE's capital resources were $9.6 billion, which exceeded the minimum\nPillar 1 requirement of $3.6 billion.\nIn addition, MLI and BofASE became conditionally registered with the SEC\nas security-based swap dealers in the fourth quarter of 2021, and maintained\nnet liquid assets at December 31, 2023 that exceeded the applicable\nminimum requirements under the Exchange Act.\nLiquidity Risk\nLiquidity Risk\nFunding and Liquidity Risk Management\nFunding and Liquidity Risk Management\nOur primary liquidity risk management objective is to meet expected or\nunexpected cash flow and collateral requirements, including payments under\nlong-term debt agreements, commitments to extend credit and customer\ndeposit withdrawals, while continuing to support our businesses and\n(1)\n(1)\n(2)\n(2)\n(3)\n(3)\n(4)\n(4)\n(1)\n(2)\n(3)\n(4)\nBank of America \n52\n52", "9107b097-c663-4cbd-8a08-a62122a4bae4": "customers under a range of economic conditions. To achieve that objective,\nwe analyze and monitor our liquidity risk under expected and stressed\nconditions, maintain liquidity and access to diverse funding sources, including\nour stable deposit base, and seek to align liquidity-related incentives and\nrisks. These liquidity risk management practices have allowed us to effectively\nmanage the market stress from increased volatility due to the failure of certain\nfinancial institutions in the first half of 2023. Our practices have also allowed\nus to effectively manage market fluctuations from the rising interest rate\nenvironment, inflationary pressures and changes in the macroeconomic\nenvironment.\nWe define liquidity as readily available assets, limited to cash and high-\nquality, liquid, unencumbered securities that we can use to meet our\ncontractual and contingent financial obligations as they arise. We manage our\nliquidity position through line-of-business and ALM activities, as well as\nthrough our legal entity funding strategy, on both a forward and current\n(including intraday) basis under both expected and stressed conditions. We\nbelieve that a centralized approach to funding and liquidity management\nenhances our ability to monitor liquidity requirements, maximizes access to\nfunding sources, minimizes borrowing costs and facilitates timely responses\nto liquidity events.\nThe Board approves our liquidity risk policy and the Financial Contingency\nand Recovery Plan. The ERC establishes our liquidity risk tolerance levels.\nThe MRC is responsible for overseeing liquidity risks and directing\nmanagement to maintain exposures within the established tolerance levels.\nThe MRC reviews and monitors our liquidity position and stress testing\nresults, approves certain liquidity risk limits and reviews the impact of strategic\ndecisions on our liquidity. For more information, see Managing Risk on page\n44. Under this governance framework, we developed certain funding and\nliquidity risk management practices which include: maintaining liquidity at\nBank of America Corporation (Parent) and selected subsidiaries, including our\nbank subsidiaries and other regulated entities; determining what amounts of\nliquidity are appropriate for these entities based on analysis of debt maturities\nand other potential cash outflows, including those that we may experience\nduring stressed market conditions; diversifying funding sources, considering\nour asset profile and legal entity structure; and performing contingency\nplanning.\nNB Holdings Corporation\nNB Holdings Corporation\nThe Parent, which is a separate and distinct legal entity from our bank and\nnonbank subsidiaries, has an intercompany arrangement with our wholly-\nowned holding company subsidiary, NB Holdings Corporation (NB Holdings).\nWe have transferred, and agreed to transfer, additional Parent assets not\nrequired to satisfy anticipated near-term expenditures to NB Holdings. The\nParent is expected to continue to have access to the same flow of dividends,\ninterest and other amounts of cash necessary to service its debt, pay\ndividends and perform other obligations as it would have had it not entered\ninto these arrangements and transferred any assets. These arrangements\nsupport our preferred single point of entry resolution strategy, under which only\nthe Parent would be resolved under the U.S. Bankruptcy Code.\nIn consideration for the transfer of assets, NB Holdings issued a\nsubordinated note to the Parent in a principal amount equal to the value of the\ntransferred assets. The aggregate principal amount of the note will increase\nby the amount of any future asset transfers. NB Holdings also provided the\nParent with a committed line of credit that allows the Parent to draw\nfunds necessary to service near-term cash needs. These arrangements\nsupport our preferred single point of entry resolution strategy, under which only\nthe Parent would be resolved under the U.S. Bankruptcy Code. These\narrangements include provisions to terminate the line of credit, forgive the\nsubordinated note and require the Parent to transfer its remaining financial\nassets to NB Holdings if our projected liquidity resources deteriorate so\nseverely that resolution of the Parent becomes imminent.\nGlobal Liquidity Sources and Other Unencumbered Assets\nGlobal Liquidity Sources and Other Unencumbered Assets\nWe maintain liquidity available to the Corporation, including the Parent and\nselected subsidiaries, in the form of cash and high-quality, liquid,\nunencumbered securities. Our liquidity buffer, referred to as Global Liquidity\nSources (GLS), is comprised of assets that are readily available to the Parent\nand selected subsidiaries, including holding company, bank and broker-\ndealer subsidiaries, even during stressed market conditions. Our cash is\nprimarily on deposit with the Federal Reserve Bank and, to a lesser extent,\ncentral banks outside of the U.S. We limit the composition of high-quality,\nliquid, unencumbered securities to U.S. government securities, U.S. agency\nsecurities, U.S.", "9ad3eca9-ab50-4b06-91d0-54fc7abfe8e2": "Global Liquidity Sources and Other Unencumbered Assets\nGlobal Liquidity Sources and Other Unencumbered Assets\nWe maintain liquidity available to the Corporation, including the Parent and\nselected subsidiaries, in the form of cash and high-quality, liquid,\nunencumbered securities. Our liquidity buffer, referred to as Global Liquidity\nSources (GLS), is comprised of assets that are readily available to the Parent\nand selected subsidiaries, including holding company, bank and broker-\ndealer subsidiaries, even during stressed market conditions. Our cash is\nprimarily on deposit with the Federal Reserve Bank and, to a lesser extent,\ncentral banks outside of the U.S. We limit the composition of high-quality,\nliquid, unencumbered securities to U.S. government securities, U.S. agency\nsecurities, U.S. agency MBS and other investment-grade securities, and a\nselect group of non-U.S. government securities. We can obtain cash for these\nsecurities, even in stressed conditions, through repurchase agreements or\noutright sales. We hold our GLS in legal entities that allow us to meet the\nliquidity requirements of our global businesses, and we consider the impact of\npotential regulatory, tax, legal and other restrictions that could limit the\ntransferability of funds among entities.\nTable 15 presents average GLS for the three months ended December 31,\n2023 and 2022.\nTable 15\nTable 15\nAverage Global Liquidity Sources\nAverage Global Liquidity Sources\nThree Months Ended December\nThree Months Ended December\n31\n31\n(Dollars in billions)\n2023\n2023\n2022\nBank entities\n$\n$\n735\n735\n \n$\n694 \nNonbank and other entities \n162\n162\n \n174 \nTotal Average Global Liquidity Sources\nTotal Average Global Liquidity Sources\n$\n$\n897\n897\n \n$\n868 \nNonbank includes Parent, NB Holdings and other regulated entities.\nOur bank subsidiaries\u2019 liquidity is primarily driven by deposit and lending\nactivity, as well as securities valuation and net debt activity. Bank subsidiaries\ncan also generate incremental liquidity by pledging a range of unencumbered\nloans and securities to certain FHLBs and the Federal Reserve Discount\nWindow. The cash we could have obtained by borrowing against this pool of\nspecifically-identified eligible assets was $312 billion and $348 billion at\nDecember 31, 2023 and 2022. We have established operational procedures\nto enable us to borrow against these assets, including regularly monitoring\nour total pool of eligible loans and securities collateral. Eligibility is defined in\nguidelines from the FHLBs and the Federal Reserve and is subject to change\nat their discretion. Due to regulatory restrictions, liquidity generated by the bank\nsubsidiaries can generally be used only to fund obligations within the bank\nsubsidiaries, and transfers to the Parent or nonbank subsidiaries may be\nsubject to prior regulatory approval.\nLiquidity is also held in nonbank entities, including the Parent, NB Holdings\nand other regulated entities. The Parent and NB Holdings liquidity is typically in\nthe form of cash deposited at BANA, which is excluded from the liquidity at\nbank subsidiaries, and high-quality, liquid, unencumbered securities. Liquidity\nheld in other regulated entities, comprised primarily of\n(1)\n(1) \n53\n53\n \nBank of America", "12a14b8a-b272-4399-911a-9d3f5533dd79": "broker-dealer subsidiaries, is primarily available to meet the obligations of that\nentity, and transfers to the Parent or to any other subsidiary may be subject to\nprior regulatory approval due to regulatory restrictions and minimum\nrequirements. Our other regulated entities also hold unencumbered\ninvestment-grade securities and equities that we believe could be used to\ngenerate additional liquidity.\nTable 16 presents the composition of average GLS for the three months\nended December 31, 2023 and 2022.\nTable 16\nTable 16\nAverage Global Liquidity Sources Composition\nAverage Global Liquidity Sources Composition\nThree Months Ended December\nThree Months Ended December\n31\n31\n(Dollars in billions)\n2023\n2023\n2022\nCash on deposit\n$\n$\n380\n380\n \n$\n174 \nU.S. Treasury securities\n197\n197\n \n252 \nU.S. agency securities, mortgage-backed securities, and other\ninvestment-grade securities\n299\n299\n \n427 \nNon-U.S. government securities\n21\n21\n \n15 \nTotal Average Global Liquidity Sources\nTotal Average Global Liquidity Sources\n$\n$\n897\n897\n \n$\n868 \nOur GLS are substantially the same in composition to what qualifies as\nHigh Quality Liquid Assets (HQLA) under the final U.S. Liquidity Coverage\nRatio (LCR) rules. However, HQLA for purposes of calculating LCR is not\nreported at market value, but at a lower value that incorporates regulatory\ndeductions and the exclusion of excess liquidity held at certain subsidiaries.\nThe LCR is calculated as the amount of a financial institution\u2019s unencumbered\nHQLA relative to the estimated net cash outflows the institution could\nencounter over a 30-day period of significant liquidity stress, expressed as a\npercentage. Our average consolidated HQLA, on a net basis, was $590 billion\nand $605 billion for the three months ended December 31, 2023 and 2022.\nFor the same periods, the average consolidated LCR was 115 percent and\n120 percent. Our LCR fluctuates due to normal business flows from customer\nactivity.\nLiquidity Stress Analysis\nLiquidity Stress Analysis\nWe utilize liquidity stress analysis to assist us in determining the appropriate\namounts of liquidity to maintain at the Parent and our subsidiaries to meet\ncontractual and contingent cash outflows under a range of scenarios. The\nscenarios we consider and utilize incorporate market-wide and Corporation-\nspecific events, including potential credit rating downgrades for the Parent and\nour subsidiaries, and more severe events including potential resolution\nscenarios. The scenarios are based on our historical experience, experience\nof distressed and failed financial institutions, regulatory guidance, and both\nexpected and unexpected future events.\nThe types of potential contractual and contingent cash outflows we\nconsider in our scenarios may include, but are not limited to, upcoming\ncontractual maturities of unsecured debt \na\nnd reductions in new debt\nissuances; diminished access to secured financing markets; potential deposit\nwithdrawals; increased draws on loan commitments, liquidity facilities and\nletters of credit; additional collateral that counterparties could call if our credit\nratings were downgraded; collateral and margin requirements arising from\nmarket value changes; and potential liquidity required to maintain businesses\nand finance customer activities. Changes in certain market factors, including,\nbut not limited to, credit rating downgrades, could negatively impact potential\ncontractual and contingent outflows and the related financial instruments, and\nin some cases these impacts could be material to our financial results.\nWe consider all sources of funds that we could access during each stress\nscenario and focus particularly on matching available sources with\ncorresponding liquidity requirements by legal entity. We also use the stress\nmodeling results to manage our asset and liability profile and establish limits\nand guidelines on certain funding sources and businesses.\nNet Stable Funding Ratio\nNet Stable Funding Ratio\nThe Net Stable Funding Ratio (NSFR) is a liquidity requirement for large banks\nto maintain a minimum level of stable funding over a one-year period. The\nrequirement is intended to support the ability of banks to lend to households\nand businesses in both normal and adverse economic conditions and is\ncomplementary to the LCR, which focuses on short-term liquidity risks. The\nU.S. NSFR applies to the Corporation on a consolidated basis and to our\ninsured depository institutions. For the three months ended September 30,\n2023 and \nDecember 31, 2023, the average consolidated NSFR was 119\npercent and 120 percent.", "99f60008-9f62-4888-a3dc-f1634d7bfa02": "We also use the stress\nmodeling results to manage our asset and liability profile and establish limits\nand guidelines on certain funding sources and businesses.\nNet Stable Funding Ratio\nNet Stable Funding Ratio\nThe Net Stable Funding Ratio (NSFR) is a liquidity requirement for large banks\nto maintain a minimum level of stable funding over a one-year period. The\nrequirement is intended to support the ability of banks to lend to households\nand businesses in both normal and adverse economic conditions and is\ncomplementary to the LCR, which focuses on short-term liquidity risks. The\nU.S. NSFR applies to the Corporation on a consolidated basis and to our\ninsured depository institutions. For the three months ended September 30,\n2023 and \nDecember 31, 2023, the average consolidated NSFR was 119\npercent and 120 percent.\nDiversified Funding Sources\nDiversified Funding Sources\nWe fund our assets primarily with a mix of deposits, and secured and\nunsecured liabilities through a centralized, globally coordinated funding\napproach diversified across products, programs, markets, currencies and\ninvestor groups.\nThe primary benefits of our centralized funding approach include greater\ncontrol, reduced funding costs, wider name recognition by investors and\ngreater flexibility to meet the variable funding requirements of subsidiaries.\nWhere regulations, time zone differences or other business considerations\nmake Parent funding impractical, certain other subsidiaries may issue their\nown debt.\nWe fund a substantial portion of our lending activities through our deposits,\nwhich were $1.92 trillion and $1.93 trillion at December 31, 2023 and \n2022\n.\nDeposits are primarily generated by our \nConsumer Banking, GWIM\n and\nGlobal Banking\n segments. These deposits are diversified by clients, product\ntype and geography, and the majority of our U.S. deposits are insured by the\nFDIC.\nAt December 31, 2023, 50 percent of our deposits were in \nConsumer\nBanking\n, 16 percent in \nGWIM\n and 27 percent in \nGlobal Banking\n. As of the\nsame period, approximately 68 percent of consumer and small business\ndeposits and 79 percent of U.S. deposits in \nGlobal Banking\n were held by\nclients who have had accounts with us for 10 or more years. In addition, at\nDecember 31, 2023 and 2022, 28 percent and 34 percent of our deposits were\nnoninterest-bearing and included operating accounts of our consumer and\ncommercial clients.\nWe consider a substantial portion of our deposits to be a stable, low-cost\nand consistent source of funding. We believe this deposit funding is generally\nless sensitive to interest rate changes, market volatility or changes in our\ncredit ratings than wholesale funding sources. Our lending activities may also\nbe financed through secured borrowings, including credit card securitizations\nand securitizations with government-sponsored enterprises (GSE), the\nFederal Housing Administration (FHA) and private-label investors, as well as\nFHLB loans.\nOur trading activities in other regulated entities are primarily funded on a\nsecured basis through securities lending and repurchase agreements, and\nthese amounts will vary based \non \ncustomer activity and market conditions. We\nbelieve funding these activities in the secured financing markets is more cost-\nefficient and less sensitive to changes in our credit ratings than unsecured\nfinancing. Repurchase agreements are generally short-term and often\novernight. Disruptions in secured financing\nBank of America \n54\n54", "1310dea3-54a6-449a-b157-fd568affbf36": "markets for financial institutions have occurred in prior market cycles which\nresulted in adverse changes in terms or significant reductions in the\navailability of such financing. We manage the liquidity risks arising from\nsecured funding by sourcing funding globally from a diverse group of\ncounterparties, providing a range of securities collateral and pursuing longer\ndurations, when appropriate. For more information on secured financing\nagreements,\n \nsee\n \nNote 10 \u2013 Securities Financing Agreements, Short-term\nBorrowings, Collateral and Restricted Cash\n \nto the Consolidated Financial\nStatements\n.\nTotal long-term debt increased $26.2 billion to $302.2 billion during 2023,\nprimarily due to debt issuances and valuation adjustments, partially offset by\ndebt maturities and redemptions. We may, from time to time, purchase\noutstanding debt instruments in various transactions, depending on market\nconditions, liquidity and other factors. Our other regulated entities may also\nmake markets in our debt instruments to provide liquidity for investors.\nDuring 2023, we issued $62.0 billion of long-term debt consisting of $24.0\nbillion of notes issued by Bank of America Corporation, substantially all of\nwhich were TLAC compliant, $25.1 billion of notes issued by Bank of America,\nN.A. and $12.9 billion of other debt. During 2022, we issued $66.0 billion of\nlong-term debt consisting of $44.2 billion of notes issued by Bank of America\nCorporation, substantially all of which were TLAC compliant, $10.0 billion of\nnotes issued by Bank of America, N.A. and $11.8 billion of other debt.\nDuring 2023, we had total long-term debt maturities and redemptions in\nthe aggregate of $42.7 billion consisting of $25.3 billion for Bank of America\nCorporation, $10.5 billion for Bank of America, N.A. and $6.9 billion of other\ndebt. During 2022, we had total long-term debt maturities and redemptions in\nthe aggregate of $33.3 billion consisting of $19.8 billion for Bank of America\nCorporation, $9.9 billion for Bank of America, N.A. and $3.6 billion of other\ndebt.\nAt December 31, 2023, Bank of America Corporation's senior notes of\n$208.4 billion included $187.7 billion of outstanding notes that are both TLAC\neligible and callable at least one year before their stated maturities. Of these\nsenior notes, $22.1 billion will be callable and become TLAC ineligible during\n2024, and $22.0 billion, $21.4 billion, $25.0 billion and $19.9 billion will do so\nduring each of 2025 through 2028, respectively, and $77.3 billion thereafter.\nWe issue long-term unsecured debt in a variety of maturities and\ncurrencies to achieve cost-efficient funding and to maintain an appropriate\nmaturity profile. While the cost and availability of unsecured funding may be\nnegatively impacted by general market conditions or by matters specific to the\nfinancial services industry or the Corporation, we seek to mitigate refinancing\nrisk by actively managing the amount of our borrowings that we anticipate will\nmature within any month or quarter. We may issue unsecured debt in the form\nof structured notes for client purposes, certain of which qualify as\nTLAC-\ne\nligible debt. During 2023, we issued $15.7 billion of structured notes,\nwhich are debt obligations that pay investors returns linked to other debt or\nequity securities, indices, currencies or commodities. We typically hedge the\nreturns we are obligated to pay on these liabilities with derivatives and/or\ninvestments in the underlying instruments, so that from a funding perspective,\nthe cost is similar to our other unsecured long-term debt. We could be\nrequired to settle certain structured note obligations for cash or other\nsecurities prior to maturity under certain circumstances, which we consider for\nliquidity planning purposes. We believe, however, that a portion of such\nborrowings will remain outstanding beyond the earliest put or redemption\ndate.\nSubstantially all of our senior and subordinated debt obligations contain no\nprovisions that could trigger a requirement for an early repayment, require\nadditional collateral support, result in changes to terms, accelerate maturity or\ncreate additional financial obligations upon an adverse change in our credit\nratings, financial ratios, earnings, cash flows or stock price.", "65251664-5a0d-455b-8dae-36f9939f06ff": "We typically hedge the\nreturns we are obligated to pay on these liabilities with derivatives and/or\ninvestments in the underlying instruments, so that from a funding perspective,\nthe cost is similar to our other unsecured long-term debt. We could be\nrequired to settle certain structured note obligations for cash or other\nsecurities prior to maturity under certain circumstances, which we consider for\nliquidity planning purposes. We believe, however, that a portion of such\nborrowings will remain outstanding beyond the earliest put or redemption\ndate.\nSubstantially all of our senior and subordinated debt obligations contain no\nprovisions that could trigger a requirement for an early repayment, require\nadditional collateral support, result in changes to terms, accelerate maturity or\ncreate additional financial obligations upon an adverse change in our credit\nratings, financial ratios, earnings, cash flows or stock price. For more\ninformation on long-term debt funding, including issuances and maturities\nand redemptions, see \nNote 11 \u2013 Long-term Debt\n \nto the Consolidated\nFinancial Statements\n.\nWe use derivative transactions to manage the duration, interest rate and\ncurrency risks of our borrowings, considering the characteristics of the assets\nthey are funding. For more information on our ALM activities, see Interest Rate\nRisk Management for the Banking Book on page 77.\nUninsured Deposits\nUninsured Deposits\nThe FDIC insures the Corporation\u2019s U.S. deposits up to $250,000 per\ndepositor, per insured bank for each account ownership category, and various\ncountry-specific funds insure non-U.S. deposits up to specified limits.\nDeposits that exceed insurance limits are uninsured. At December 31, 2023,\nthe Corporation\u2019s deposits totaled $1.92 trillion, of which total estimated\nuninsured U.S. and non-U.S. deposits were $606.8 billion and $116.6 billion.\nAt December 31, 2022, the Corporation\u2019s deposits totaled $1.93 trillion, of\nwhich total estimated uninsured U.S. and non-U.S. deposits were $617.6\nbillion and $102.8 billion. Deposit balances exclude $14.8 billion and $15.2\nbillion of collateral received on certain derivative contracts that are netted\nagainst the derivative asset in the Consolidated Balance Sheet at\nDecember 31, 2023 and 2022. Estimated uninsured deposits presented in\nthis section reflect amounts disclosed in our regulatory reports, adjusted to\nexclude related accrued interest and intercompany deposit balances.\nTable 17 presents information about the Corporation\u2019s total estimated\nuninsured time deposits. For more information on our liquidity sources, see\nGlobal Liquidity Sources and Other Unencumbered Assets, and for more\ninformation on deposits, see Diversified Funding Sources in this section. For\nmore information on contractual time deposit maturities, see \nNote 9 \u2013\nDeposits\n to the Consolidated Financial Statements.\nTable 17\nTable 17\nUninsured Time Deposits \nUninsured Time Deposits \nDecember 31, 2023\nDecember 31, 2023\n(Dollars in millions)\nU.S.\nU.S.\nNon-U.S.\nNon-U.S.\nTotal\nTotal\nUninsured time deposits with a maturity of:\n3 months or less\n$\n8,797 \n$\n7,744 \n$\n$\n16,541\n16,541\n \nOver 3 months through 6 months\n6,154 \n1,629 \n7,783\n7,783\n \nOver 6 months through 12 months\n7,885 \n280 \n8,165\n8,165\n \nOver 12 months\n848 \n2,985 \n3,833\n3,833\n \nTotal\nTotal\n$\n$\n23,684\n23,684\n \n$\n$\n12,638\n12,638\n \n$\n$\n36,322\n36,322\n \nAmounts are estimated based on the regulatory methodologies defined by each local jurisdiction.\nContingency Planning\nContingency Planning\nWe maintain contingency funding plans that outline our potential responses to\nliquidity stress events at various levels of severity. These policies and plans\nare based on stress scenarios and include potential funding strategies and\ncommunication and notification procedures that we would implement in the\nevent we experienced stressed liquidity conditions. We periodically review and\ntest the contingency funding plans to validate efficacy and\n(1)\n(1)\n(1)\n55\n55\n \nBank of America", "05c545f2-17d0-445f-adca-d4f085a9fe1d": "assess readiness.\nOur U.S. bank subsidiaries can access contingency funding through the\nFederal Reserve Discount Window. Certain non-U.S. subsidiaries have\naccess to central bank facilities in the jurisdictions in which they operate.\nWhile we do not rely on these sources in our liquidity modeling, we maintain\nthe policies, procedures and governance processes that would enable us to\naccess these sources if necessary.\nCredit Ratings\nCredit Ratings\nOur borrowing costs and ability to raise funds are impacted by our credit\nratings. In addition, credit ratings may be important to customers or\ncounterparties when we compete in certain markets and when we seek to\nengage in certain transactions, including over-the-counter (OTC) derivatives.\nThus, it is our objective to maintain high-quality credit ratings, and\nmanagement maintains an active dialogue with the major rating agencies.\nCredit ratings and outlooks are opinions expressed by rating agencies on\nour creditworthiness and that of our obligations or securities, including long-\nterm debt, short-term borrowings, preferred stock and other securities,\nincluding asset securitizations. Our credit ratings are subject to ongoing\nreview by the rating agencies, and they consider a number of factors, including\nour own financial strength, performance, prospect\ns and \noperations as well as\nfactors not under our control. The rating agencies could make adjustments to\nour ratings at any time, and they provide no assurances that they will maintain\nour ratings at current levels.\nOther factors that influence our credit ratings include changes to the rating\nagencies\u2019 methodologies for our industry or certain security types; the rating\nagencies\u2019 assessment of the general operating environment for financial\nservices companies; our relative positions in the markets in which we\ncompete; our various risk exposures and risk management policies and\nactivities; pending litigation and other contingencies or potential tail risks; our\nreputation; our liquidity position, diversity of\nfunding sources and funding costs; the current and expected level and volatility\nof our earnings; our capital position and capital management practices; our\ncorporate governance; the sovereign credit ratings of the U.S. government;\ncurrent or future regulatory and legislative initiatives; and the agencies\u2019 views\non whether the U.S. government would provide meaningful support to the\nCorporation or its subsidiaries in a crisis.\nOn May 3, 2023, Moody\u2019s Investors Service (Moody\u2019s) upgraded its long-\nterm senior debt ratings of the Corporation by one notch to A1 from A2, and\nalso upgraded the long-term senior debt ratings of BANA to Aa1 from Aa2.\nMoody\u2019s concurrently affirmed its Prime-1 short-term ratings of the Corporation\nand BANA. Moody\u2019s cited the Corporation\u2019s strengthened capital, improved\nearnings profile and ongoing commitment to maintaining a restrained risk\nappetite as rationale for the upgrade. These actions concluded the review for\nupgrade that Moody\u2019s initiated on January 23, 2023. Separately, on November\n13, 2023, Moody\u2019s placed its ratings for BANA on negative outlook, reflecting\nthe agency\u2019s recent move to a negative outlook on its ratings for the\ngovernment of the United States of America and the potentially weaker capacity\nfor the government to support systemically important U.S. banks. The\nCorporation\u2019s ratings and stable outlook were not affected by this action.\nOn March 31, 2023, Standard & Poor\u2019s Global Ratings (S&P) affirmed the\ncurrent ratings of the Corporation and its subsidiaries, while at the same time\nrevising its rating outlook to Stable from Positive. S&P concurrently changed its\noutlooks on three other large U.S. bank holding companies to Stable from\nPositive, noting that the agency has reduced its upside expectations for bank\nratings in the near term.\nThe ratings and outlooks from Fitch Ratings for the Corporation and its\nsubsidiaries have not changed during 2023.\nTable 18 presents the Corporation\u2019s current long-term/short-term senior\ndebt ratings and outlooks expressed by the rating agencies.", "bb5d4346-3963-40c7-b2ab-06cbe17b2075": "banks. The\nCorporation\u2019s ratings and stable outlook were not affected by this action.\nOn March 31, 2023, Standard & Poor\u2019s Global Ratings (S&P) affirmed the\ncurrent ratings of the Corporation and its subsidiaries, while at the same time\nrevising its rating outlook to Stable from Positive. S&P concurrently changed its\noutlooks on three other large U.S. bank holding companies to Stable from\nPositive, noting that the agency has reduced its upside expectations for bank\nratings in the near term.\nThe ratings and outlooks from Fitch Ratings for the Corporation and its\nsubsidiaries have not changed during 2023.\nTable 18 presents the Corporation\u2019s current long-term/short-term senior\ndebt ratings and outlooks expressed by the rating agencies.\nTable 18\nTable 18\nSenior Debt Ratings\nSenior Debt Ratings\nMoody\u2019s Investors Service\nMoody\u2019s Investors Service\nStandard & Poor\u2019s Global Ratings\nStandard & Poor\u2019s Global Ratings\nFitch Ratings\nFitch Ratings\nLong-term\nLong-term\nShort-term\nShort-term\nOutlook\nOutlook\nLong-term\nLong-term\nShort-term\nShort-term\nOutlook\nOutlook\nLong-term\nLong-term\nShort-term\nShort-term\nOutlook\nOutlook\nBank of America Corporation\nA1\nA1\nP-1\nP-1\nStable\nStable\nA-\nA-\nA-2\nA-2\nStable\nStable\nAA-\nAA-\nF1+\nF1+\nStable\nStable\nBank of America, N.A.\nAa1\nAa1\nP-1\nP-1\nNegative\nNegative\nA+\nA+\nA-1\nA-1\nStable\nStable\nAA\nAA\nF1+\nF1+\nStable\nStable\nBank of America Europe Designated\nActivity Company\nNR\nNR\nNR\nNR\nNR\nNR\nA+\nA+\nA-1\nA-1\nStable\nStable\nAA\nAA\nF1+\nF1+\nStable\nStable\nMerrill Lynch, Pierce, Fenner & Smith\nIncorporated\nNR\nNR\nNR\nNR\nNR\nNR\nA+\nA+\nA-1\nA-1\nStable\nStable\nAA\nAA\nF1+\nF1+\nStable\nStable\nBofA Securities, Inc.\nNR\nNR\nNR\nNR\nNR\nNR\nA+\nA+\nA-1\nA-1\nStable\nStable\nAA\nAA\nF1+\nF1+\nStable\nStable\nMerrill Lynch International\nNR\nNR\nNR\nNR\nNR\nNR\nA+\nA+\nA-1\nA-1\nStable\nStable\nAA\nAA\nF1+\nF1+\nStable\nStable\nBofA Securities Europe SA\nNR\nNR\nNR\nNR\nNR\nNR\nA+\nA+\nA-1\nA-1\nStable\nStable\nAA\nAA\nF1+\nF1+\nStable\nStable\nNR = not rated\nA reduction in certain of our credit ratings or the ratings of certain asset-\nbacked securitizations may have a material adverse effect on our liquidity,\npotential loss of access to credit markets, the related cost of funds, our\nbusinesses and on certain revenues, particularly in those businesses where\ncounterparty creditworthiness is critical. In addition, under the terms of certain\nOTC derivative contracts and other trading agreements, in the event of\ndowngrades of our or our rated subsidiaries\u2019 credit ratings, the counterparties\nto those agreements may require us to provide additional collateral, or to\nterminate these contracts or agreements, which could cause us to sustain\nlosses and/or adversely impact our liquidity. If the short-term credit ratings of\nour Parent, bank or broker-dealer\nsubsidiaries were downgraded by one or more levels, the potential loss of\naccess to short-term funding sources such as repo financing and the effect on\nour incremental cost of funds could be material.\nWhile certain potential impacts are contractual and quantifiable, the full\nscope of the consequences of a credit rating downgrade to a financial\ninstitution is inherently uncertain, as it depends upon numerous dynamic,\ncomplex and inter-related factors and assumptions, including whether any\ndowngrade of a company\u2019s long-term credit ratings precipitates downgrades\nto its short-term credit ratings, and assumptions about the potential behaviors\nof various customers, investors and counterparties. For more information on\npotential impacts\nBank of America \n56\n56", "fd7d3ba0-4dcb-4b3c-b8fa-8be95662f3fa": "of credit rating downgrades, see Liquidity Risk \u2013 Liquidity Stress Analysis on\npage 54.\nFor more information on additional collateral and termination payments\nthat could be required in connection with certain over-the-counter derivative\ncontracts and other trading agreements in the event of a credit rating\ndowngrade, see \nNote 3 \u2013 Derivatives\n to the Consolidated Financial\nStatements and Item 1A. Risk Factors.\nCommon Stock Dividends\nCommon Stock Dividends\nFor a summary of our declared quarterly cash dividends on common stock\nduring 2023 and through February 20, 2024, see\n \nNote 13 \u2013 Shareholders\u2019\nEquity\n \nto the Consolidated Financial Statements\n.\nFinance Subsidiary Issuers and Parent Guarantor\nFinance Subsidiary Issuers and Parent Guarantor\nBofA Finance LLC, a Delaware limited liability company (BofA Finance), is a\nconsolidated finance subsidiary of the Corporation that has issued and sold,\nand is expected to continue to issue and sell, its senior unsecured debt\nsecurities (Guaranteed Notes) that are fully and unconditionally guaranteed by\nthe Corporation. The Corporation guarantees the due and punctual payment,\non demand, of amounts payable on the Guaranteed Notes if not paid by BofA\nFinance. In addition, each of BAC Capital Trust XIII, BAC Capital Trust XIV and\nBAC Capital Trust XV, Delaware statutory trusts (collectively, the Trusts) is a\n100 percent owned finance subsidiary of the Corporation that has issued and\nsold trust preferred securities (the Trust Preferred Securities) or capital\nsecurities (the Capital Securities and, together with the Guaranteed Notes and\nthe Trust Preferred Securities, the Guaranteed Securities), as applicable, that\nremained outstanding at December 31, 2023. The Corporation guarantees the\npayment of amounts and distributions with respect to the Trust Preferred\nSecurities and Capital Securities if not paid by the Trusts, to the extent of funds\nheld by the Trusts. This guarantee, together with the Corporation\u2019s other\nobligations with respect to the Trust Preferred Securities and Capital\nSecurities, effectively constitutes a full and unconditional guarantee of the\nTrusts\u2019 payment obligations on the Trust Preferred Securities or Capital\nSecurities, as applicable. No other subsidiary of the Corporation guarantees\nthe Guaranteed Securities.\nBofA Finance and each of the Trusts are finance subsidiaries, have no\nindependent assets, revenues or operations and are dependent upon the\nCorporation and/or the Corporation\u2019s other subsidiaries to meet their\nrespective obligations under the Guaranteed Securities in the ordinary course.\nIf holders of the Guaranteed Securities make claims on their Guaranteed\nSecurities in a bankruptcy, resolution or similar proceeding, any recoveries on\nthose claims will be limited to those available under the applicable guarantee\nby the Corporation, as described above.\nThe Corporation is a holding company and depends upon its subsidiaries\nfor liquidity. Applicable laws and regulations and intercompany arrangements\nentered into in connection with the Corporation\u2019s resolution plan could restrict\nthe availability of funds from subsidiaries to the Corporation, which could\nadversely affect the Corporation\u2019s ability to make payments under its\nguarantees. In addition, the obligations of the Corporation under the\nguarantees of the Guaranteed Securities will be structurally subordinated to all\nexisting and future liabilities of its subsidiaries, and claimants should look\nonly to assets of the Corporation for payments. If the Corporation, as guarantor\nof the Guaranteed Notes, transfers all or substantially all of its assets to one or\nmore direct or indirect majority-owned\nsubsidiaries, under the indenture governing the Guaranteed Notes, the\nsubsidiary or subsidiaries will not be required to assume the Corporation\u2019s\nobligations under its guarantee of the Guaranteed Notes.\nFor more information on factors that may affect payments to holders of the\nGuaranteed Securities, see Liquidity Risk \u2013 NB Holdings Corporation in this\nsection, Item 1. Business \u2013 Insolvency and the Orderly Liquidation Authority\n o\nn\npage 6 and Part I. Item 1A. Risk Factors \u2013 Liquidity on page 9.\nRepresentations and Warranties Obligations\nRepresentations and Warranties Obligations\nFor information on representations and warranties obligations in connection\nwith the sale of mortgage loans, see \nNote 12 \u2013 Commitments and\nContingencies\n to the Consolidated Financial Statements.\nCredit Risk Management\nCredit Risk Management\nCredit risk is the risk of loss arising from the inability or failure of a borrower or\ncounterparty to meet its obligations. Credit risk can also arise from operational\nfailures that result in an erroneous advance, commitment or investment of\nfunds.", "697dfdc3-ddd9-4dbd-8d4d-567534e63110": "For more information on factors that may affect payments to holders of the\nGuaranteed Securities, see Liquidity Risk \u2013 NB Holdings Corporation in this\nsection, Item 1. Business \u2013 Insolvency and the Orderly Liquidation Authority\n o\nn\npage 6 and Part I. Item 1A. Risk Factors \u2013 Liquidity on page 9.\nRepresentations and Warranties Obligations\nRepresentations and Warranties Obligations\nFor information on representations and warranties obligations in connection\nwith the sale of mortgage loans, see \nNote 12 \u2013 Commitments and\nContingencies\n to the Consolidated Financial Statements.\nCredit Risk Management\nCredit Risk Management\nCredit risk is the risk of loss arising from the inability or failure of a borrower or\ncounterparty to meet its obligations. Credit risk can also arise from operational\nfailures that result in an erroneous advance, commitment or investment of\nfunds. We define the credit exposure to a borrower or counterparty as the loss\npotential arising from all product classifications including loans and leases,\ndeposit overdrafts, derivatives, assets held-for-sale and unfunded lending\ncommitments, which include loan commitments, letters of credit and financial\nguarantees. Derivative positions are recorded at fair value, and assets held-\nfor-sale are recorded at either fair value or the lower of cost or fair value.\nCertain loans and unfunded commitments are accounted for under the fair\nvalue option. Credit risk for categories of assets carried at fair value is not\naccounted for as part of the allowance for credit losses but as part of the fair\nvalue adjustments recorded in earnings. For derivative positions, our credit\nrisk is measured as the net cost in the event the counterparties with contracts\nin which we are in a gain position fail to perform under the terms of those\ncontracts. We use the current fair value to represent credit exposure without\ngiving consideration to future mark-to-market changes. The credit risk\namounts take into consideration the effects of legally enforceable master\nnetting agreements and cash collateral. Our consumer and commercial credit\nextension and review procedures encompass funded and unfunded credit\nexposures. For more information on derivatives and credit extension\ncommitments, see \nNote 3 \u2013 Derivatives\n and \nNote 12 \u2013 Commitments and\nContingencies\n to the Consolidated Financial Statements.\nWe manage credit risk based on the risk profile of the borrower or\ncounterparty, repayment sources, the nature of underlying collateral and other\nsupport given current events, conditions and expectations. We classify our\nportfolios as either consumer or commercial and monitor credit risk in each as\ndiscussed below.\nWe refine our underwriting and credit risk management practices as well\nas credit standards to meet the changing economic environment. To mitigate\nlosses and enhance customer support in our consumer businesses, we have\nin place collection programs and loan modification and customer assistance\ninfrastructures. We utilize a number of actions to mitigate losses in the\ncommercial businesses including increasing the frequency and intensity of\nportfolio monitoring, hedging activity and our practice of transferring\nmanagement of deteriorating commercial exposures to independent special\nasset officers as credits enter criticized categories.\nFor information on our credit risk management activities, see the following:\nConsumer Portfolio Credit Risk Management on\n57\n57\n \nBank of America", "3e255268-40bc-4fee-87d5-c9f28b07b800": "page 58, Commercial Portfolio Credit Risk Management on page 62, Non-U.S.\nPortfolio on page 68, Allowance for Credit Losses on page 71, and \nNote 5 \u2013\nOutstanding Loans and Leases and Allowance for Credit Losses\n to the\nConsolidated Financial Statements. For information on the Corporation\u2019s loan\nmodification programs, see \nNote 1 \u2013 Summary of Significant Accounting\nPrinciples\n and \nNote 5 \u2013 Outstanding Loans and Leases and Allowance for\nCredit Losses\n to the Consolidated Financial Statements. For more information\non the Corporation\u2019s credit risks, see the Credit section within Item 1A. Risk\nFactors of this Annual Report on Form 10-K.\nDuring 2023, our asset quality remained relatively stable. Our net charge-\noff ratio increased primarily driven by credit card loans, as delinquency trends\ncontinued to slowly increase off of historic lows. Nonperforming loans\nincreased compared to 2022 driven by the commercial real estate office\nproperty type, while commercial reservable criticized exposure increased\ndriven by both office as well as other industries that have been impacted by the\ncurrent environment. Uncertainty remains regarding broader economic\nimpacts as a result of inflationary pressures, elevated rates and the current\ngeopolitical environment and could lead to adverse impacts to credit quality\nmetrics in future periods.\nConsumer Portfolio Credit Risk Management\nConsumer Portfolio Credit Risk Management\nCredit risk management for the consumer portfolio begins with initial\nunderwriting and continues throughout a borrower\u2019s credit cycle. Statistical\ntechniques in conjunction with experiential judgment are used in all aspects of\nportfolio management including underwriting, product pricing, risk appetite,\nsetting\ncredit limits, and establishing operating processes and metrics to quantify and\nbalance risks and returns. Statistical models are built using detailed\nbehavioral information from external sources, such as credit bureaus, and/or\ninternal historical experience and are a component of our consumer credit risk\nmanagement process. These models are used in part to assist in making\nboth new and ongoing credit decisions as well as portfolio management\nstrategies, including authorizations and line management, collection practices\nand strategies, and determination of the allowance for loan and lease losses\nand allocated capital for credit risk.\nConsumer Credit Portfolio\nConsumer Credit Portfolio\nDuring 2023, the U.S. unemployment rate remained relatively stable and home\nprices increased compared to 2022. Net charge-offs increased $1.2 billion to\n$3.1 billion in 2023 primarily due to late-stage delinquent credit card loans that\nwere charged off.\nThe consumer allowance for loan and lease losses increased $1.3 billion\nduring 2023 to $8.5 billion. For more information, see Allowance for Credit\nLosses on page 71.\nFor more information on our accounting policies regarding delinquencies,\nnonperforming status, charge-offs and loan modifications for the consumer\nportfolio, see \nNote 1 \u2013 Summary of Significant Accounting Principles\n \nand \nNote\n5 \u2013 Outstanding Loans and Leases and Allowance for Credit Losses\n to the\nConsolidated Financial Statements.\nTable 19 presents our outstanding consumer loans and leases, consumer\nnonperforming loans and accruing consumer loans past due 90 days or more.", "d619e15c-1118-4de5-a42f-be466136d70e": "unemployment rate remained relatively stable and home\nprices increased compared to 2022. Net charge-offs increased $1.2 billion to\n$3.1 billion in 2023 primarily due to late-stage delinquent credit card loans that\nwere charged off.\nThe consumer allowance for loan and lease losses increased $1.3 billion\nduring 2023 to $8.5 billion. For more information, see Allowance for Credit\nLosses on page 71.\nFor more information on our accounting policies regarding delinquencies,\nnonperforming status, charge-offs and loan modifications for the consumer\nportfolio, see \nNote 1 \u2013 Summary of Significant Accounting Principles\n \nand \nNote\n5 \u2013 Outstanding Loans and Leases and Allowance for Credit Losses\n to the\nConsolidated Financial Statements.\nTable 19 presents our outstanding consumer loans and leases, consumer\nnonperforming loans and accruing consumer loans past due 90 days or more.\nTable 19\nTable 19\nConsumer Credit Quality\nConsumer Credit Quality\n \nOutstandings\nOutstandings\nNonperforming\nNonperforming\nAccruing Past Due\nAccruing Past Due\n90 Days or More\n90 Days or More\nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\nResidential mortgage\n$\n$\n228,403\n228,403\n \n$\n229,670 \n$\n$\n2,114\n2,114\n \n$\n2,167 \n$\n$\n252\n252\n \n$\n368 \nHome equity \n25,527\n25,527\n \n26,563 \n450\n450\n \n510 \n\u2014\n\u2014\n \n\u2014 \nCredit card\n102,200\n102,200\n \n93,421 \nn/a\nn/a\nn/a\n1,224\n1,224\n \n717 \nDirect/Indirect consumer \n103,468\n103,468\n \n106,236 \n148\n148\n \n77 \n2\n2\n \n2 \nOther consumer\n124\n124\n \n156 \n\u2014\n\u2014\n \n\u2014 \n\u2014\n\u2014\n \n\u2014 \nConsumer loans excluding loans accounted for under the fair value\nConsumer loans excluding loans accounted for under the fair value\noption\noption\n$\n$\n459,722\n459,722\n \n$\n456,046 \n$\n$\n2,712\n2,712\n \n$\n2,754 \n$\n$\n1,478\n1,478\n \n$\n1,087 \nLoans accounted for under the fair value option \n243\n243\n \n339 \nTotal consumer loans and leases\nTotal consumer loans and leases\n$\n$\n459,965\n459,965\n \n$\n456,385 \nPercentage of outstanding consumer loans and leases \nn/a\nn/a\nn/a\n0.59\n0.59\n \n%\n%\n0.60 \n%\n0.32\n0.32\n \n%\n%\n0.24 \n%\nPercentage of outstanding consumer loans and leases, excluding fully-insured\nloan portfolios \nn/a\nn/a\nn/a\n0.60\n0.60\n \n0.62 \n0.27\n0.27\n \n0.16 \nResidential mortgage loans accruing past due 90 days or more are fully-insured loans. At December 31, 2023 and 2022, residential mortgage included $156 million and $260 million of loans on which interest had been curtailed by the FHA, and therefore were no\nlonger accruing interest, although principal was still insured, and $96 million and $108 million of loans on which interest was still accruing.\nOutstandings primarily includes auto and specialty lending loans and leases of $53.9 billion and $51.8 billion, U.S. securities-based lending loans of $46.0 billion and $50.4 billion at December 31, 2023 and 2022, and non-U.S. consumer loans of $2.8 billion and\n$3.0 billion at December 31, 2023 and 2022.\nFor more information on the fair value option, see \nNote 21 \u2013 Fair Value Option\n to the Consolidated Financial Statements.\nExcludes consumer loans accounted for under the fair value option. At December 31, 2023 and 2022, $4 million and $7 million of loans accounted for under the fair value option were past due 90 days or more and not accruing interest.\nn/a = not applicable\n (1)\n(2)\n(3)\n(4)\n(4)\n(1)\n(2)\n(3)\n(4)\nBank of America \n58\n58", "417d176f-7faf-4ecd-95db-cc75bad49933": "Table 20 presents net charge-offs and related ratios for consumer loans and leases.\nTable 20\nTable 20\nConsumer Net Charge-offs and Related Ratios\nConsumer Net Charge-offs and Related Ratios\nNet Charge-offs\nNet Charge-offs\nNet Charge-off Ratios\nNet Charge-off Ratios\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\nResidential mortgage\n$\n$\n16\n16\n \n$\n72 \n0.01\n0.01\n \n%\n%\n0.03 \n%\nHome equity\n(59)\n(59)\n(90)\n(0.23)\n(0.23)\n(0.33)\nCredit card\n2,561\n2,561\n \n1,334 \n2.66\n2.66\n \n1.60 \nDirect/Indirect consumer\n92\n92\n \n18 \n0.09\n0.09\n \n0.02 \nOther consumer\n480\n480\n \n521 \nn/m\nn/m\nTotal\nTotal\n$\n$\n3,090\n3,090\n \n$\n1,855 \n0.68\n0.68\n \n0.42 \nNet charge-off ratios are calculated as net charge-offs divided by average outstanding loans and leases, excluding loans accounted for under the fair value option.\nn/m = not meaningful\nWe believe that the presentation of information adjusted to exclude the\nimpact of the fully-insured loan portfolio and loans accounted for under the fair\nvalue option is more representative of the ongoing operations and credit\nquality of the business. As a result, in the following tables and discussions of\nthe residential mortgage and home equity portfolios, we exclude loans\naccounted for under the fair value option and provide information that excludes\nthe impact of the fully-insured loan portfolio in certain credit quality statistics.\nResidential Mortgage\nResidential Mortgage\nThe residential mortgage portfolio made up the largest percentage of our\nconsumer loan portfolio at 50 percent of consumer loans and leases in 2023.\nApproximately 51 percent of the residential \nmortgage portfolio was in\nConsumer Banking, \n46 percent was in \nGWIM \nand the remaining portion was\nin \nAll Other\n.\nOutstanding balances in the residential mortgage portfolio decreased $1.3\nbillion in 2023, as paydowns and payoffs outpaced new originations.\nAt December 31, 2023 and 2022, the residential mortgage portfolio\nincluded $11.0 billion and $11.7 billion of outstanding fully-insured loans, of\nwhich $2.2 billion for both periods had FHA insurance, with the remainder\nprotected by Fannie Mae long-term standby agreements.\nTable 21 presents certain residential mortgage key credit statistics on both\na reported basis and excluding the fully-insured loan portfolio. The following\ndiscussion presents the residential mortgage portfolio excluding the fully-\ninsured loan portfolio.\nTable 21\nTable 21\nResidential Mortgage \u2013 Key Credit Statistics\nResidential Mortgage \u2013 Key Credit Statistics\nReported Basis \nReported Basis \nExcluding Fully-insured Loans\nExcluding Fully-insured Loans\nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\nOutstandings\n$\n$\n228,403\n228,403\n \n$\n229,670 \n$\n$\n217,439\n217,439\n \n$\n217,976 \nAccruing past due 30 days or more\n1,513\n1,513\n \n1,471 \n986\n986\n \n844 \nAccruing past due 90 days or more\n252\n252\n \n368 \n\u2014\n\u2014\n \n\u2014 \nNonperforming loans \n2,114\n2,114\n \n2,167 \n2,114\n2,114\n \n2,167 \nPercent of portfolio\nPercent of portfolio\n \n \n \n \n \n \nRefreshed LTV greater than 90 but less than or equal to 100\n1\n1\n \n%\n%\n1 \n%\n1\n1\n \n%\n%\n1 \n%\nRefreshed LTV greater than 100\n\u2014\n\u2014\n \n\u2014 \n\u2014\n\u2014\n \n\u2014 \nRefreshed FICO below 620\n1\n1\n \n1 \n1\n1\n \n1 \nOutstandings, accruing past due, nonperforming loans and percentages of portfolio exclude loans accounted for under the fair value option.\nIncludes loans that are contractually current that have not yet demonstrated a sustained period of payment performance following a modification.\nNonperforming outstanding balances in the residential mortgage portfolio\ndecreased $53 million in 2023 primarily due to payoffs and paydowns, returns\nto performing and loan sales outpacing new additions.", "b7364b3b-73ab-4f8c-9df9-aa1dbb5f3112": "Includes loans that are contractually current that have not yet demonstrated a sustained period of payment performance following a modification.\nNonperforming outstanding balances in the residential mortgage portfolio\ndecreased $53 million in 2023 primarily due to payoffs and paydowns, returns\nto performing and loan sales outpacing new additions. Of the nonperforming\nresidential mortgage loans at December 31, 2023, $1.3 billion, or 62 percent,\nwere current on contractual payments. Excluding fully-insured loans, loans\naccruing past due 30 days or more increased $142 million.\nOf the $217.4 billion in total residential mortgage loans outstanding at\nDecember 31, 2023, $63.1 billion, or 29 percent, of loans were originated as\ninterest-only. The outstanding balance of interest-only residential mortgage\nloans that had entered the amortization period was $3.6 billion, or six percent,\nat December 31, 2023. Residential mortgage loans that have entered the\namortization period generally experience a higher rate of early stage\ndelinquencies and nonperforming status \ncompared \nto \nthe \nresidential\nmortgage \nportfolio \nas \na\nwhole. At December 31, 2023, $80 million, or two percent, of outstanding\ninterest-only residential mortgages that had entered the amortization period\nwere accruing past due 30 days or more compared to $986 million, or less\nthan one percent, for the entire residential mortgage portfolio. In addition, at\nDecember 31, 2023, $180 million, or five percent, of outstanding interest-only\nresidential mortgage loans that had entered the amortization period were\nnonperforming, of which $61 million were contractually current. Loans that\nhave yet to enter the amortization period in our interest-only residential\nmortgage portfolio are primarily well-collateralized loans to our wealth\nmanagement clients and have an interest-only period of three years to 10\nyears. Substantially all of these loans that have yet to enter the amortization\nperiod will not be required to make a fully-amortizing payment until 2025 or\nlater.\n (1)\n (1)\n(1)\n(1)\n(1)\n (1)\n (1)\n(2)\n(1)\n(2)\n59\n59\n \nBank of America", "990e5226-8388-4546-b268-b8072882d142": "Table 22 presents outstandings, nonperforming loans and net charge-offs by certain state concentrations for the residential mortgage portfolio. In the New\nYork area, the New York-Northern New Jersey-Long Island Metropolitan Statistical Area (MSA) made up 15 percent of outstandings at both December 31, 2023\nand 2022. The Los Angeles-Long Beach-Santa Ana MSA within California represented 14 percent of outstandings at both December 31, 2023 and 2022.\nTable 22\nTable 22\nResidential Mortgage State Concentrations\nResidential Mortgage State Concentrations\nOutstandings\nOutstandings\nNonperforming \nNonperforming \nDecember 31\nDecember 31\nNet Charge-offs\nNet Charge-offs\n(Dollars in millions)\nDecember 31\nDecember 31\n2023\n2023\nDecember 31\n2022\nDecember 31\nDecember 31\n2023\n2023\nDecember 31\n2022\n2023\n2023\n2022\nCalifornia\n$\n$\n81,085\n81,085\n \n$\n80,878 \n$\n$\n641\n641\n \n$\n656 \n$\n$\n3\n3\n \n$\n37 \nNew York\n25,975\n25,975\n \n26,228 \n320\n320\n \n328 \n4\n4\n \n7 \nFlorida\n15,450\n15,450\n \n15,225 \n131\n131\n \n145 \n(2)\n(2)\n(2)\nTexas\n9,361\n9,361\n \n9,399 \n88\n88\n \n88 \n1\n1\n \n\u2014 \nNew Jersey\n8,671\n8,671\n \n8,810 \n97\n97\n \n96 \n\u2014\n\u2014\n \n3 \nOther\n76,897\n76,897\n \n77,436 \n837\n837\n \n854 \n10\n10\n \n27 \nResidential mortgage loans\nResidential mortgage loans\n$\n$\n217,439\n217,439\n \n$\n217,976 \n$\n$\n2,114\n2,114\n \n$\n2,167 \n$\n$\n16\n16\n \n$\n72 \nFully-insured loan portfolio\n10,964\n10,964\n \n11,694 \n \n \nTotal residential mortgage loan portfolio\nTotal residential mortgage loan portfolio\n$\n$\n228,403\n228,403\n \n$\n229,670 \n \n \nOutstandings and nonperforming loans exclude loans accounted for under the fair value option.\nHome Equity\nHome Equity\nAt December 31, 2023, the home equity portfolio made up six percent of the\nconsumer portfolio and was comprised of home equity lines of credit\n(HELOCs), home equity loans and reverse mortgages. HELOCs generally\nhave an initial draw period of 10 years, and after the initial draw period ends,\nthe loans generally convert to 15- or 20-year amortizing loans. We no longer\noriginate home equity loans or reverse mortgages.\nAt December 31, 2023, 84 percent of the home equity portfolio was in\nConsumer Banking\n, seven percent was in \nAll Other\n and the remainder of the\nportfolio was primarily in \nGWIM\n. Outstanding balances in the home equity\nportfolio decreased $1.0 billion in 2023 primarily due to paydowns outpacing\ndraws\non existing lines and new originations. Of the total home equity portfolio at\nDecember 31, 2023 and 2022, $10.1 billion and $11.1 billion, or 39 percent\nand 42 percent, were in first-lien positions. At December 31, 2023, outstanding\nbalances in the home equity portfolio that were in a second-lien or more\njunior-lien position and where we also held the first-lien loan totaled $4.4\nbillion, or 17 percent, of our total home equity portfolio.\nUnused HELOCs totaled $45.1 billion and $42.4 billion at December 31,\n2023 and 2022. The HELOC utilization rate was 35 percent and 38 percent at\nDecember 31, 2023 and 2022.\nTable 23 presents certain home equity portfolio key credit statistics.", "b81182e9-9233-4370-9fa7-03d2cd31aabd": "Of the total home equity portfolio at\nDecember 31, 2023 and 2022, $10.1 billion and $11.1 billion, or 39 percent\nand 42 percent, were in first-lien positions. At December 31, 2023, outstanding\nbalances in the home equity portfolio that were in a second-lien or more\njunior-lien position and where we also held the first-lien loan totaled $4.4\nbillion, or 17 percent, of our total home equity portfolio.\nUnused HELOCs totaled $45.1 billion and $42.4 billion at December 31,\n2023 and 2022. The HELOC utilization rate was 35 percent and 38 percent at\nDecember 31, 2023 and 2022.\nTable 23 presents certain home equity portfolio key credit statistics.\nTable 23\nTable 23\nHome Equity \u2013 Key Credit Statistics \nHome Equity \u2013 Key Credit Statistics \nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\nOutstandings\n$\n$\n25,527\n25,527\n \n$\n26,563 \nAccruing past due 30 days or more\n95\n95\n \n96 \nNonperforming loans \n450\n450\n \n510 \nPercent of portfolio\nPercent of portfolio\nRefreshed CLTV greater than 90 but less than or equal to 100\n\u2014\n\u2014\n \n%\n%\n\u2014 \n%\nRefreshed CLTV greater than 100\n\u2014\n\u2014\n \n\u2014 \nRefreshed FICO below 620\n3\n3\n \n2 \nOutstandings, accruing past due, nonperforming loans and percentages of the portfolio exclude loans accounted for under the fair value option.\nIncludes loans that are contractually current that have not yet demonstrated a sustained period of payment performance following a modification.\nNonperforming outstanding balances in the home equity portfolio\ndecreased $60 million to $450 million at December 31, 2023, primarily driven\nby loan sales, payoffs and returns to performing status outpacing new\nadditions. Of the nonperforming home equity loans at December 31, 2023,\n$256 million, or 57 percent, were current on contractual payments. In addition,\n$113 million, or 25 percent, were 180 days or more past due and had been\nwritten down to the estimated fair value of the collateral, less costs to sell.\nAccruing loans that were 30 days or more past due remained relatively\nunchanged in 2023 compared to 2022.\nOf the $25.5 billion in total home equity portfolio outstandings at\nDecember 31, 2023, as shown in Table 23, 11 percent require interest-only\npayments. The outstanding balance of HELOCs that had reached the end of\ntheir draw period and entered the amortization period was $4.0 billion at\nDecember 31, 2023. The HELOCs that have entered the amortization period\nhave experienced a higher percentage of early stage delinquencies and\nnonperforming status when compared to the HELOC portfolio as a whole. At\nDecember 31, 2023, $41 million, or one percent, of outstanding HELOCs that\nhad entered the amortization period were accruing past due 30 days or more.\nIn addition, at December 31, 2023, $283 million, or seven percent, were\nnonperforming.\nFor our interest-only HELOC portfolio, we do not actively track how many of\nour home equity customers pay only the minimum amount due on their home\nequity loans and lines; however, we can infer some of this information through\na review of our HELOC portfolio that we service and is still in its revolving\nperiod. During 2023, 13 percent of these customers with an outstanding\nbalance did not pay any principal on their HELOCs.\n (1)\n (1)\n(1)\n(1)\n(1)\n(1)\n(1)\n(2)\n(1)\n(2)\nBank of America \n60\n60", "d450dd2c-e994-477f-97b7-f8d157f4100c": "Table 24 presents outstandings, nonperforming balances and net recoveries by certain state concentrations for the home equity portfolio. In the New York area,\nthe New York-Northern New Jersey-Long Island MSA made up 11 percent and 12 percent of the outstanding home equity portfolio at December 31, 2023 and\n2022. The Los Angeles-Long Beach-Santa Ana MSA within California made up 10 percent and 11 percent of the outstanding home equity portfolio at\nDecember 31, 2023 and 2022.\nTable 24\nTable 24\nHome Equity State Concentrations\nHome Equity State Concentrations\nOutstandings \nOutstandings \nNonperforming \nNonperforming \nDecember 31\nDecember 31\nNet Charge-offs\nNet Charge-offs\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\nCalifornia\n$\n$\n6,966\n6,966\n \n$\n7,406 \n$\n$\n109\n109\n \n$\n119 \n$\n$\n(6)\n(6)\n$\n(20)\nFlorida\n2,576\n2,576\n \n2,743 \n53\n53\n \n63 \n(12)\n(12)\n(21)\nNew Jersey\n1,870\n1,870\n \n2,047 \n46\n46\n \n53 \n(5)\n(5)\n(3)\nNew York\n1,590\n1,590\n \n1,806 \n71\n71\n \n80 \n(10)\n(10)\n(4)\nTexas\n1,410\n1,410\n \n1,284 \n16\n16\n \n14 \n\u2014\n\u2014\n \n\u2014 \nOther\n11,115\n11,115\n \n11,277 \n155\n155\n \n181 \n(26)\n(26)\n(42)\nTotal home equity loan portfolio\nTotal home equity loan portfolio\n$\n$\n25,527\n25,527\n \n$\n26,563 \n$\n$\n450\n450\n \n$\n510 \n$\n$\n(59)\n(59)\n$\n(90)\nOutstandings and nonperforming loans exclude loans accounted for under the fair value option.\nCredit Card\nCredit Card\nAt December 31, 2023, 97 percent of the credit card portfolio was managed in\nConsumer Banking\n with the remainder in \nGWIM\n. Outstandings in the credit\ncard portfolio increased $8.8 billion during 2023 to $102.2 billion as purchase\nvolume and card transfers more than offset payments. Net charge-offs\nincreased $1.2 billion to $2.6 billion in 2023 compared to 2022, primarily due\nto late-stage delinquent credit card loans that were charged off. Credit card\nloans 30 days or more past due and still\naccruing interest increased $914 million, and 90 days or more past due and\nstill accruing interest increased $507 million at December 31, 2023.\nUnused lines of credit for credit card increased to $390.2 billion at\nDecember 31, 2023 from $370.1 billion at December 31, 2022.\nTable 25 presents certain state concentrations for the credit card portfolio.", "ec38914a-fdad-43b7-952f-84fc4a6bacf4": "Outstandings in the credit\ncard portfolio increased $8.8 billion during 2023 to $102.2 billion as purchase\nvolume and card transfers more than offset payments. Net charge-offs\nincreased $1.2 billion to $2.6 billion in 2023 compared to 2022, primarily due\nto late-stage delinquent credit card loans that were charged off. Credit card\nloans 30 days or more past due and still\naccruing interest increased $914 million, and 90 days or more past due and\nstill accruing interest increased $507 million at December 31, 2023.\nUnused lines of credit for credit card increased to $390.2 billion at\nDecember 31, 2023 from $370.1 billion at December 31, 2022.\nTable 25 presents certain state concentrations for the credit card portfolio.\nTable 25\nTable 25\nCredit Card State Concentrations\nCredit Card State Concentrations\nOutstandings\nOutstandings\nAccruing Past Due\nAccruing Past Due\n90 Days or More\n90 Days or More\nDecember 31\nDecember 31\nNet Charge-offs\nNet Charge-offs\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\nCalifornia\n$\n$\n16,952\n16,952\n \n$\n15,363 \n$\n$\n216\n216\n \n$\n126 \n$\n$\n457\n457\n \n$\n232 \nFlorida\n10,521\n10,521\n \n9,512 \n168\n168\n \n100 \n343\n343\n \n183 \nTexas\n8,978\n8,978\n \n8,125 \n125\n125\n \n72 \n245\n245\n \n123 \nNew York\n5,788\n5,788\n \n5,381 \n84\n84\n \n56 \n197\n197\n \n99 \nWashington\n5,352\n5,352\n \n4,844 \n41\n41\n \n21 \n77\n77\n \n36 \nOther\n54,609\n54,609\n \n50,196 \n590\n590\n \n342 \n1,242\n1,242\n \n661 \nTotal credit card portfolio\nTotal credit card portfolio\n$\n$\n102,200\n102,200\n \n$\n93,421 \n$\n$\n1,224\n1,224\n \n$\n717 \n$\n$\n2,561\n2,561\n \n$\n1,334 \nDirect/Indirect Consumer\nDirect/Indirect Consumer\nAt December 31, 2023, 52 percent of the direct/indirect portfolio was included\nin \nConsumer Banking\n (consumer auto and recreational vehicle lending) and\n48 percent was included in \nGWIM \n(principally securities-based lending loans).\nOutstandings in the direct/indirect portfolio decreased $2.8 billion in 2023 to\n$103.5 billion driven by declines in securities-based lending stemming from\nhigher paydown activity due to higher interest rates, partially offset by growth in\nour auto portfolio.\nTable 26 presents certain state concentrations for the direct/indirect\nconsumer loan portfolio.\nTable 26\nTable 26\nDirect/Indirect State Concentrations\nDirect/Indirect State Concentrations\nOutstandings\nOutstandings\nNonperforming\nNonperforming\nDecember 31\nDecember 31\nNet Charge-offs\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\nCalifornia\n$\n$\n15,416\n15,416\n \n$\n15,516 \n$\n$\n27\n27\n \n$\n12 \n$\n$\n21\n21\n \n$\n6 \nFlorida\n13,550\n13,550\n \n13,783 \n18\n18\n \n10 \n14\n14\n \n4 \nTexas\n9,668\n9,668\n \n9,837 \n14\n14\n \n9 \n12\n12\n \n3 \nNew York\n7,335\n7,335\n \n7,891 \n11\n11\n \n5 \n6\n6\n \n2 \nNew Jersey\n4,376\n4,376\n \n4,456 \n5\n5\n \n3 \n2\n2\n \n1 \nOther\n53,123\n53,123\n \n54,753 \n73\n73\n \n38 \n37\n37\n \n2 \nTotal direct/indirect loan portfolio\nTotal direct/indirect loan portfolio\n$\n$\n103,468\n103,468\n \n$\n106,236 \n$\n$\n148\n148\n \n$\n77 \n$\n$\n92\n92\n \n$\n18 \n(1)\n(1)\n(1)\n(1)\n(1)\n61\n61\n \nBank of America", "b815a049-ad15-4866-93ad-69583eec2f12": "Other Consumer\nOther Consumer\nOther consumer primarily consists of deposit overdraft balances. Net charge-\noffs decreased $41 million in 2023 to $480 million, primarily driven by lower\noverdraft losses.\nNonperforming Consumer Loans, Leases and Foreclosed\nNonperforming Consumer Loans, Leases and Foreclosed\nProperties Activity\nProperties Activity\nTable 27 presents nonperforming consumer loans, leases and foreclosed\nproperties activity during 2023 and 2022. During 2023, nonperforming\nconsumer loans decreased $42 million to $2.7 billion.\nAt December 31, 2023, $531 million, or 20 percent, of nonperforming loans\nwere 180 days or more past due and had been written down to their estimated\nproperty value less costs to sell. In addition, at December 31, 2023, $1.6\nbillion, or 60 percent, of nonperforming consumer loans were current and\nclassified as nonperforming loans in accordance with applicable policies.\nForeclosed properties decreased $18 million in 2023 to $103 million.\nTable 27\nTable 27\nNonperforming Consumer Loans, Leases and Foreclosed Properties Activity\nNonperforming Consumer Loans, Leases and Foreclosed Properties Activity\n(Dollars in millions)\n2023\n2023\n2022\nNonperforming loans and leases, January 1\nNonperforming loans and leases, January 1\n$\n$\n2,754\n2,754\n \n$\n2,989 \nAdditions\n1,055\n1,055\n \n1,453 \nReductions:\nPaydowns and payoffs\n(480)\n(480)\n(535)\nSales\n(63)\n(63)\n(402)\nReturns to performing status \n(475)\n(475)\n(661)\nCharge-offs\n(53)\n(53)\n(56)\nTransfers to foreclosed properties\n(26)\n(26)\n(34)\nTotal net reductions to nonperforming loans and leases\n(42)\n(42)\n(235)\nTotal nonperforming loans and leases, December 31\nTotal nonperforming loans and leases, December 31\n2,712\n2,712\n \n2,754 \nForeclosed properties, December 31\nForeclosed properties, December 31\n103\n103\n \n121 \nNonperforming consumer loans, leases and foreclosed properties, December 31 \nNonperforming consumer loans, leases and foreclosed properties, December 31 \n$\n$\n2,815\n2,815\n \n$\n2,875 \nNonperforming consumer loans and leases as a percentage of outstanding consumer loans and leases \n0.59\n0.59\n \n%\n%\n0.60 \n%\nNonperforming consumer loans, leases and foreclosed properties as a percentage of outstanding consumer loans, leases and foreclosed properties \n0.61\n0.61\n \n0.63 \nConsumer loans may be returned to performing status when all principal and interest is current and full repayment of the remaining contractual principal and interest is expected, or when the loan otherwise becomes well-secured and is in the process of collection.\nIncludes repossessed non-real estate assets of $20 million and $0 at December 31, 2023 and 2022.\nOutstanding consumer loans and leases exclude loans accounted for under the fair value option.\nCommercial Portfolio Credit Risk Management\nCommercial Portfolio Credit Risk Management\nCredit risk management for the commercial portfolio begins with an\nassessment of the credit risk profile of the borrower or counterparty based on\nan analysis of its financial position. As part of the overall credit risk\nassessment, our commercial credit exposures are assigned a risk rating and\nare subject to approval based on defined credit approval standards.\nSubsequent to loan origination, risk ratings are monitored on an ongoing\nbasis, and if necessary, adjusted to reflect changes in the financial condition,\ncash flow, risk profile or outlook of a borrower or counterparty. In making credit\ndecisions, we consider risk rating, collateral, country, industry and single-\nname concentration limits while also balancing these considerations with the\ntotal borrower or counterparty relationship. We use a variety of tools to\ncontinuously monitor the ability of a borrower or counterparty to perform under\nits obligations. We use risk rating aggregations to measure and evaluate\nconcentrations within portfolios. In addition, risk ratings are a factor in\ndetermining the level of allocated capital and the allowance for credit losses.\nAs part of our ongoing risk mitigation initiatives, we attempt to work with\nclients experiencing financial difficulty to modify their loans to terms that better\nalign with their current ability to pay.", "a714d363-7b55-4fef-8620-68621a86520c": "Subsequent to loan origination, risk ratings are monitored on an ongoing\nbasis, and if necessary, adjusted to reflect changes in the financial condition,\ncash flow, risk profile or outlook of a borrower or counterparty. In making credit\ndecisions, we consider risk rating, collateral, country, industry and single-\nname concentration limits while also balancing these considerations with the\ntotal borrower or counterparty relationship. We use a variety of tools to\ncontinuously monitor the ability of a borrower or counterparty to perform under\nits obligations. We use risk rating aggregations to measure and evaluate\nconcentrations within portfolios. In addition, risk ratings are a factor in\ndetermining the level of allocated capital and the allowance for credit losses.\nAs part of our ongoing risk mitigation initiatives, we attempt to work with\nclients experiencing financial difficulty to modify their loans to terms that better\nalign with their current ability to pay. For more information on our accounting\npolicies regarding delinquencies, nonperforming status and net charge-offs\nfor the commercial portfolio, see \nNote 1 \u2013 Summary of Significant Accounting\nPrinciples\n to the Consolidated Financial Statements.\nManagement of Commercial Credit Risk Concentrations\nManagement of Commercial Credit Risk Concentrations\nCommercial credit risk is evaluated and managed with the goal that\nconcentrations of credit exposure continue to be aligned with our risk appetite.\nWe review, measure and manage\nconcentrations of credit exposure by industry, product, geography, customer\nrelationship and loan size. We also review, measure and manage commercial\nreal estate loans by geographic location and property type. In addition, within\nour non-U.S. portfolio, we evaluate exposures by region and by country. Tables\n32, 34 and 37 summarize our concentrations. We also utilize syndications of\nexposure to third parties, loan sales, hedging and other risk mitigation\ntechniques to manage the size and risk profile of the commercial credit\nportfolio. For more information on our industry concentrations, see Table 34\nand Commercial Portfolio Credit Risk Management \u2013 Industry Concentrations\non page 66.\nWe account for certain large corporate loans and loan commitments,\nincluding issued but unfunded letters of credit which are considered utilized for\ncredit risk management purposes, that exceed our single-name credit risk\nconcentration guidelines under the fair value option. Lending commitments,\nboth funded and unfunded, are actively managed and monitored, and as\nappropriate, credit risk for these lending relationships may be mitigated\nthrough the use of credit derivatives, with our credit view and market\nperspectives determining the size and timing of the hedging activity. In\naddition, we purchase credit protection to cover the funded portion as well as\nthe unfunded portion of certain other credit exposures. To lessen the cost of\nobtaining our desired credit protection levels, credit exposure may be added\nwithin an industry, borrower or counterparty group by selling protection. These\ncredit derivatives do not meet the requirements for treatment as accounting\nhedges. They are carried at fair value with changes in fair value recorded in\nother income.\nIn addition, we are a member of various securities and derivative\nexchanges and clearinghouses, both in the U.S. and\n(1)\n(2)\n(2)\n(3)\n(3)\n(1)\n(2)\n(3)\nBank of America \n62\n62", "92c0bd23-f26c-4ebb-8d54-f531efae73ab": "other countries. As a member, we may be required to pay a pro-rata share of\nthe losses incurred by some of these organizations as a result of another\nmember default and under other loss scenarios. For more information, see\nNote 12 \u2013 Commitments and Contingencies \nto the Consolidated Financial\nStatements.\nCommercial Credit Portfolio\nCommercial Credit Portfolio\nOutstanding commercial loans and leases increased $4.4 billion during 2023\ndue to growth in commercial real estate, primarily in \nGlobal Banking, \nand U.S.\nsmall business commercial. During 2023, commercial credit quality\ndeteriorated as nonperforming commercial loans and reservable criticized\nutilized exposure increased primarily driven by the commercial real estate\noffice property type; however, the commercial net charge-off ratio of 0.12\npercent during 2023 remained low.\nWith the exception of the office property type, which is further discussed in\nthe Commercial Real Estate section herein, credit quality of commercial real\nestate borrowers has remained relatively stable since December 31, 2022;\nhowever, we are closely monitoring emerging trends and borrower\nperformance in the increased rate environment and challenging capital\nmarkets. Recent demand for office space has been stagnant, and future\ndemand for office space continues to be uncertain as\ncompanies evaluate space needs with employment models that utilize a mix\nof remote and conventional office use.\nThe commercial allowance for loan and lease losses decreased $623\nmillion during 2023 to $4.8 billion, primarily driven by improved\nmacroeconomic conditions. For more information, see Allowance for Credit\nLosses on page 71.\nTotal commercial utilized credit exposure decreased $8.6 billion during\n2023 to $696.3 billion primarily driven by lower derivative assets. The utilization\nrate for loans and leases, standby letters of credit (SBLCs) and financial\nguarantees, and commercial letters of credit, in the aggregate, was 55 percent\nand 56 percent at December 31, 2023 and 2022.\nTable 28 presents commercial credit exposure by type for utilized,\nunfunded and total binding committed credit exposure. Commercial utilized\ncredit exposure includes SBLCs and financial guarantees and commercial\nletters of credit that have been issued and for which we are legally bound to\nadvance funds under prescribed conditions during a specified time period,\nand excludes exposure related to trading account assets. Although funds have\nnot yet been advanced, these exposure types are considered utilized for credit\nrisk management purposes.", "fa4e17a9-05f9-4162-9569-39daf8e60b23": "Total commercial utilized credit exposure decreased $8.6 billion during\n2023 to $696.3 billion primarily driven by lower derivative assets. The utilization\nrate for loans and leases, standby letters of credit (SBLCs) and financial\nguarantees, and commercial letters of credit, in the aggregate, was 55 percent\nand 56 percent at December 31, 2023 and 2022.\nTable 28 presents commercial credit exposure by type for utilized,\nunfunded and total binding committed credit exposure. Commercial utilized\ncredit exposure includes SBLCs and financial guarantees and commercial\nletters of credit that have been issued and for which we are legally bound to\nadvance funds under prescribed conditions during a specified time period,\nand excludes exposure related to trading account assets. Although funds have\nnot yet been advanced, these exposure types are considered utilized for credit\nrisk management purposes.\nTable 28\nTable 28\nCommercial Credit Exposure by Type\nCommercial Credit Exposure by Type\n \nCommercial Utilized \nCommercial Utilized \nCommercial Unfunded \nCommercial Unfunded \nTotal Commercial Committed\nTotal Commercial Committed\nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\nLoans and leases\n$\n$\n593,767\n593,767\n \n$\n589,362 \n$\n$\n507,641\n507,641\n \n$\n487,772 \n$\n$\n1,101,408\n1,101,408\n \n$\n1,077,134 \nDerivative assets \n39,323\n39,323\n \n48,642 \n\u2014\n\u2014\n \n\u2014 \n39,323\n39,323\n \n48,642 \nStandby letters of credit and financial guarantees\n31,348\n31,348\n \n33,376 \n1,953\n1,953\n \n1,266 \n33,301\n33,301\n \n34,642 \nDebt securities and other investments\n20,422\n20,422\n \n20,195 \n3,083\n3,083\n \n2,551 \n23,505\n23,505\n \n22,746 \nLoans held-for-sale\n4,338\n4,338\n \n6,112 \n4,904\n4,904\n \n3,729 \n9,242\n9,242\n \n9,841 \nOperating leases\n5,312\n5,312\n \n5,509 \n\u2014\n\u2014\n \n\u2014 \n5,312\n5,312\n \n5,509 \nCommercial letters of credit\n943\n943\n \n973 \n232\n232\n \n28 \n1,175\n1,175\n \n1,001 \nOther\n846\n846\n \n698 \n\u2014\n\u2014\n \n\u2014 \n846\n846\n \n698 \nTotal\nTotal\n$\n$\n696,299\n696,299\n \n$\n704,867 \n$\n$\n517,813\n517,813\n \n$\n495,346 \n$\n$\n1,214,112\n1,214,112\n \n$\n1,200,213 \nCommercial utilized exposure includes loans of $3.3 billion and $5.4 billion accounted for under the fair value option at December 31, 2023 and 2022.\nCommercial unfunded exposure includes commitments accounted for under the fair value option with a notional amount of $2.6 billion and $3.0 billion at December 31, 2023 and 2022.\nExcludes unused business card lines, which are not legally binding.\nIncludes the notional amount of unfunded legally binding lending commitments, net of amounts distributed (i.e., syndicated or participated) to other financial institutions. The distributed amounts were $10.3 billion and $10.4 billion at December 31, 2023 and 2022.\nDerivative assets are carried at fair value, reflect the effects of legally enforceable master netting agreements and have been reduced by cash collateral of $29.4 billion and $33.8 billion at December 31, 2023 and 2022. Not reflected in utilized and committed\nexposure is additional non-cash derivative collateral held of $56.1 billion and $51.6 billion at December 31, 2023 and 2022, which consists primarily of other marketable securities.\nNonperforming commercial loans increased $1.7 billion during 2023, primarily in commercial real estate. Table 29 presents our commercial loans and\nleases portfolio and related credit quality information at December 31, 2023 and 2022.\n(1)\n(1)\n(2, 3, 4)\n(2, 3, 4)\n(5)\n(1)\n(2)\n(3)\n(4)\n(5)\n63\n63\n \nBank of America", "77610888-9b53-4d87-bc77-2eda5ed83f2e": "Table 29\nTable 29\nCommercial Credit Quality\nCommercial Credit Quality\nOutstandings\nOutstandings\nNonperforming\nNonperforming\nAccruing Past Due\nAccruing Past Due\n90 Days or More\n90 Days or More\nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\nCommercial and industrial:\nU.S. commercial\n$\n$\n358,931\n358,931\n \n$\n358,481 \n$\n$\n636\n636\n \n$\n553 \n$\n$\n51\n51\n \n$\n190 \nNon-U.S. commercial\n124,581\n124,581\n \n124,479 \n175\n175\n \n212 \n4\n4\n \n25 \nTotal commercial and industrial\n483,512\n483,512\n \n482,960 \n811\n811\n \n765 \n55\n55\n \n215 \nCommercial real estate\n72,878\n72,878\n \n69,766 \n1,927\n1,927\n \n271 \n32\n32\n \n46 \nCommercial lease financing\n14,854\n14,854\n \n13,644 \n19\n19\n \n4 \n7\n7\n \n8 \n571,244\n571,244\n \n566,370 \n2,757\n2,757\n \n1,040 \n94\n94\n \n269 \nU.S. small business commercial \n19,197\n19,197\n \n17,560 \n16\n16\n \n14 \n184\n184\n \n355 \nCommercial loans excluding loans accounted for under the fair value option\n$\n$\n590,441\n590,441\n \n$\n583,930 \n$\n$\n2,773\n2,773\n \n$\n1,054 \n$\n$\n278\n278\n \n$\n624 \nLoans accounted for under the fair value option \n3,326\n3,326\n \n5,432 \nTotal commercial loans and leases\nTotal commercial loans and leases\n$\n$\n593,767\n593,767\n \n$\n589,362 \nIncludes card-related products.\nCommercial loans accounted for under the fair value option includes U.S. commercial of $2.2 billion and $2.9 billion and non-U.S. commercial of $1.2 billion and $2.5 billion at December 31, 2023 and 2022. For more information on the fair value option, see \nNote 21\n\u2013 Fair Value Option \nto the Consolidated Financial Statements.\nTable 30 presents net charge-offs and related ratios for our commercial loans and leases for 2023 and 2022.\nTable 30\nTable 30\nCommercial Net Charge-offs and Related Ratios\nCommercial Net Charge-offs and Related Ratios\nNet Charge-offs\nNet Charge-offs\nNet Charge-off Ratios\nNet Charge-off Ratios\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\nCommercial and industrial:\nU.S. commercial\n$\n$\n124\n124\n \n$\n71 \n0.03\n0.03\n \n%\n%\n0.02 \n%\nNon-U.S. commercial\n19\n19\n \n21 \n0.02\n0.02\n \n0.02 \nTotal commercial and industrial\n143\n143\n \n92 \n0.03\n0.03\n \n0.02 \nCommercial real estate\n245\n245\n \n66 \n0.34\n0.34\n \n0.10 \nCommercial lease financing\n2\n2\n \n5 \n0.02\n0.02\n \n0.03 \n390\n390\n \n163 \n0.07\n0.07\n \n0.03 \nU.S. small business commercial\n319\n319\n \n154 \n1.71\n1.71\n \n0.86 \nTotal commercial\nTotal commercial\n$\n$\n709\n709\n \n$\n317 \n0.12\n0.12\n \n0.06 \nNet charge-off ratios are calculated as net charge-offs divided by average outstanding loans and leases, excluding loans accounted for under the fair value option.\nTable 31 presents commercial reservable criticized utilized exposure by\nloan type. Criticized exposure corresponds to the Special Mention,\nSubstandard and Doubtful asset categories as defined by regulatory\nauthorities. Total commercial reservable criticized utilized exposure increased\n$4.0 billion during 2023\ndriven by the commercial real estate office property type and U.S. commercial,\npartially offset by non-U.S. commercial. At December 31, 2023 and 2022, 89\npercent and 88 percent of commercial reservable criticized utilized exposure\nwas secured.", "6ebc1236-789f-4365-aef4-a02d6cad18c8": "small business commercial\n319\n319\n \n154 \n1.71\n1.71\n \n0.86 \nTotal commercial\nTotal commercial\n$\n$\n709\n709\n \n$\n317 \n0.12\n0.12\n \n0.06 \nNet charge-off ratios are calculated as net charge-offs divided by average outstanding loans and leases, excluding loans accounted for under the fair value option.\nTable 31 presents commercial reservable criticized utilized exposure by\nloan type. Criticized exposure corresponds to the Special Mention,\nSubstandard and Doubtful asset categories as defined by regulatory\nauthorities. Total commercial reservable criticized utilized exposure increased\n$4.0 billion during 2023\ndriven by the commercial real estate office property type and U.S. commercial,\npartially offset by non-U.S. commercial. At December 31, 2023 and 2022, 89\npercent and 88 percent of commercial reservable criticized utilized exposure\nwas secured.\nTable 31\nTable 31\nCommercial Reservable Criticized Utilized Exposure \nCommercial Reservable Criticized Utilized Exposure \nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\nCommercial and industrial:\nU.S. commercial\n$\n$\n12,006\n12,006\n \n3.12\n3.12\n \n%\n%\n$\n10,724 \n2.78 \n%\nNon-U.S. commercial\n1,787\n1,787\n \n1.37\n1.37\n \n2,665 \n2.04 \nTotal commercial and industrial\n13,793\n13,793\n \n2.68\n2.68\n \n13,389 \n2.59 \nCommercial real estate\n8,749\n8,749\n \n11.80\n11.80\n \n5,201 \n7.30 \nCommercial lease financing\n166\n166\n \n1.12\n1.12\n \n240 \n1.76 \n22,708\n22,708\n \n3.76\n3.76\n \n18,830 \n3.13 \nU.S. small business commercial\n592\n592\n \n3.08\n3.08\n \n444 \n2.53 \nTotal commercial reservable criticized utilized exposure\nTotal commercial reservable criticized utilized exposure\n$\n$\n23,300\n23,300\n \n3.74\n3.74\n \n$\n19,274 \n3.12 \nTotal commercial reservable criticized utilized exposure includes loans and leases of $22.5 billion and $18.5 billion and commercial letters of credit of $795 million and $817 million at December 31, 2023 and 2022.\nPercentages are calculated as commercial reservable criticized utilized exposure divided by total commercial reservable utilized exposure for each exposure category.\nCommercial and Industrial\nCommercial and Industrial\nCommercial and industrial loans include U.S. commercial and non-U.S.\ncommercial portfolios.\nU.S. Commercial\nU.S. Commercial\nAt December 31, 2023, 62 percent of the U.S. commercial loan portfolio,\nexcluding small business, was managed in \nGlobal Banking,\n 22 percent in\nGlobal Markets\n, 14 percent in \nGWIM\n(loans that provide financing for asset purchases, business investments and\nother liquidity needs for high net worth clients) and the remainder primarily in\nConsumer Banking\n. U.S. commercial loans remained largely unchanged\nduring 2023\n.\n Reservable criticized utilized exposure increased $1.3 billion, or\n12 percent, driven by a broad range of industries.\n(1)\n(2)\n(1)\n(2)\n (1)\n (1)\n(1)\n(1, 2)\n(1, 2)\n(1)\n(2)\nBank of America \n64\n64", "f2efc088-31ad-4988-9b95-432025ea941d": "Non-U.S. Commercial\nNon-U.S. Commercial\nAt December 31, 2023, 62 percent of the non-U.S. commercial loan portfolio\nwas managed in \nGlobal Banking and \n38 percent in\n Global Markets.\n Non-U.S.\ncommercial loans remained largely unchanged during 2023. Reservable\ncriticized utilized exposure decreased $878 million, or 33 percent, due to\nupgrades and sales of Russian exposure. For information on the non-U.S.\ncommercial portfolio, see Non-U.S. Portfolio on page 68.\nCommercial Real Estate\nCommercial Real Estate\nCommercial real estate primarily includes commercial loans secured by non-\nowner-occupied real estate and is dependent on the sale or lease of the real\nestate as the primary source of repayment. Outstanding loans increased $3.1\nbillion, or four percent, during 2023 to $72.9 billion with increases across\nmultiple property types. The commercial real estate portfolio is primarily\nmanaged in \nGlobal Banking\n and consists of loans made primarily to public\nand private developers, and commercial real estate firms. The portfolio\nremains diversified across property types and geographic regions. California\nrepresented the largest state concentration at 20 percent and 19 percent of\ncommercial real estate at December 31, 2023 and 2022.\nReservable criticized utilized exposure increased $3.5 billion, or 68 percent,\nduring 2023, primarily driven by office loans.\nOffice loans represented the largest property type concentration at 25 percent\nof the commercial real estate portfolio at December 31, 2023, but only\nrepresented approximately two percent of total loans for the Corporation. This\nproperty type is roughly 75 percent Class A and had an origination loan-to-\nvalue of approximately 55 percent. Although we have seen collateral value\ndeclines in this property type, the majority of these loans remained adequately\nsecured as of December 31, 2023.\nReservable criticized exposure for the office property type was $5.5 billion at\nDecember 31, 2023, and approximately $7.6 billion of office loans are\nscheduled to mature by the end of 2024.\nDuring 2023 and 2022, we continued to see relatively low default rates. We\nuse a number of proactive risk mitigation initiatives to reduce adversely rated\nexposure in the commercial real estate portfolio, including transfers of\ndeteriorating exposures for management by independent special asset\nofficers and the pursuit of loan restructurings or asset sales to achieve the\nbest results for our customers and the Corporation.\nTable 32 presents outstanding commercial real estate loans by\ngeographic region, based on the geographic location of the collateral, and by\nproperty type.\nTable 32\nTable 32\nOutstanding Commercial Real Estate Loans\nOutstanding Commercial Real Estate Loans\nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\nBy Geographic Region \nBy Geographic Region \n \n \nNortheast\n$\n$\n15,920\n15,920\n \n$\n15,601 \nCalifornia\n14,551\n14,551\n \n13,360 \nSouthwest\n9,318\n9,318\n \n8,723 \nSoutheast\n8,368\n8,368\n \n7,713 \nFlorida\n4,986\n4,986\n \n5,374 \nIllinois\n3,361\n3,361\n \n3,327 \nMidwest\n3,149\n3,149\n \n3,419 \nMidsouth\n2,785\n2,785\n \n2,716 \nNorthwest\n2,095\n2,095\n \n1,959 \nNon-U.S.", "0210fc7e-6bf4-47fa-bcbc-493305d1798b": "Table 32\nTable 32\nOutstanding Commercial Real Estate Loans\nOutstanding Commercial Real Estate Loans\nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\nBy Geographic Region \nBy Geographic Region \n \n \nNortheast\n$\n$\n15,920\n15,920\n \n$\n15,601 \nCalifornia\n14,551\n14,551\n \n13,360 \nSouthwest\n9,318\n9,318\n \n8,723 \nSoutheast\n8,368\n8,368\n \n7,713 \nFlorida\n4,986\n4,986\n \n5,374 \nIllinois\n3,361\n3,361\n \n3,327 \nMidwest\n3,149\n3,149\n \n3,419 \nMidsouth\n2,785\n2,785\n \n2,716 \nNorthwest\n2,095\n2,095\n \n1,959 \nNon-U.S. \n6,052\n6,052\n \n5,518 \nOther \n2,293\n2,293\n \n2,056 \nTotal outstanding commercial real estate loans\nTotal outstanding commercial real estate loans\n$\n$\n72,878\n72,878\n \n$\n69,766 \nBy Property Type\nBy Property Type\n \n \nNon-residential\nNon-residential\nOffice\n$\n$\n17,976\n17,976\n \n$\n18,230 \nIndustrial / Warehouse\n14,746\n14,746\n \n13,775 \nMulti-family rental\n10,606\n10,606\n \n10,412 \nShopping centers / Retail\n5,756\n5,756\n \n5,830 \nHotel / Motels\n5,665\n5,665\n \n5,696 \nMulti-use\n2,681\n2,681\n \n2,403 \nOther\n14,201\n14,201\n \n12,241 \nTotal non-residential\nTotal non-residential\n71,631\n71,631\n \n68,587 \nResidential\nResidential\n1,247\n1,247\n \n1,179 \nTotal outstanding commercial real estate loans\nTotal outstanding commercial real estate loans\n$\n$\n72,878\n72,878\n \n$\n69,766 \n65\n65\n \nBank of America", "e9296557-618f-414e-a06a-a4d53f7883bc": "U.S. Small Business Commercial\nU.S. Small Business Commercial\nThe U.S. small business commercial loan portfolio is comprised of small\nbusiness card loans and small business loans primarily managed in\nConsumer Banking,\n and included $329 million and $1.0 billion of Paycheck\nProtection Program (PPP) loans outstanding at December 31, 2023 and 2022.\nPPP loans decreased $679 million primarily due to repayment of the loans by\nthe Small Business Administration (SBA) under the terms of the program.\nExcluding PPP, credit card-related products were 54 percent and 53 percent of\nthe U.S. small business commercial portfolio at December 31, 2023 and 2022\nand represented 99 percent of the net charge-offs compared to 100 percent for\n2022. Accruing past due 90 days or more decreased $171 million in 2023\ndriven by the repayment of PPP loans, which are fully guaranteed by the SBA.\nNonperforming Commercial Loans, Leases and Foreclosed\nNonperforming Commercial Loans, Leases and Foreclosed\nProperties Activity\nProperties Activity\nTable 33 presents the nonperforming commercial loans, leases and\nforeclosed properties activity during 2023 and 2022. Nonperforming loans do\nnot include loans accounted for under the fair value option. During 2023,\nnonperforming commercial loans and leases increased $1.7 billion to $2.8\nbillion. At December 31, 2023, 96 percent of commercial nonperforming loans,\nleases and foreclosed properties were secured, and 62 percent were\ncontractually current. Commercial nonperforming loans were carried at 89\npercent of their unpaid principal balance, as the carrying value of these loans\nhas been reduced to the estimated collateral value less costs to sell.\nTable 33\nTable 33\nNonperforming Commercial Loans, Leases and Foreclosed Properties Activity \nNonperforming Commercial Loans, Leases and Foreclosed Properties Activity \n(Dollars in millions)\n2023\n2023\n2022\nNonperforming loans and leases, January 1\nNonperforming loans and leases, January 1\n$\n$\n1,054\n1,054\n \n$\n1,578 \nAdditions\n2,863\n2,863\n \n952 \nReductions:\n \nPaydowns\n(517)\n(517)\n(825)\nSales\n(4)\n(4)\n(57)\nReturns to performing status \n(106)\n(106)\n(334)\nCharge-offs\n(428)\n(428)\n(221)\nTransfers to foreclosed properties\n(23)\n(23)\n\u2014 \nTransfers to loans held-for-sale\n(66)\n(66)\n(39)\nTotal net additions / (reductions) to nonperforming loans and leases\n1,719\n1,719\n \n(524)\nTotal nonperforming loans and leases, December 31\nTotal nonperforming loans and leases, December 31\n2,773\n2,773\n \n1,054 \nForeclosed properties, December 31\nForeclosed properties, December 31\n42\n42\n \n49 \nNonperforming commercial loans, leases and foreclosed properties, December 31\nNonperforming commercial loans, leases and foreclosed properties, December 31\n$\n$\n2,815\n2,815\n \n$\n1,103 \nNonperforming commercial loans and leases as a percentage of outstanding commercial loans and leases \n0.47\n0.47\n \n%\n%\n0.18 \n%\nNonperforming commercial loans, leases and foreclosed properties as a percentage of outstanding commercial loans, leases and foreclosed properties \n0.48\n0.48\n \n0.19 \nBalances do not include nonperforming loans held-for-sale of $161 million and $219 million at December 31, 2023 and 2022.\nIncludes U.S. small business commercial activity. Small business card loans are excluded as they are not classified as nonperforming.\nCommercial loans and leases may be returned to performing status when all principal and interest is current and full repayment of the remaining contractual principal and interest is expected, \nwhen the loan otherwise becomes well-secured and is in the process of\ncollection, or when a modified loan demonstrates a sustained period of payment performance.\nOutstanding commercial loans exclude loans accounted for under the fair value option.\nIndustry Concentrations\nIndustry Concentrations\nTable 34 presents commercial committed and utilized credit exposure by\nindustry. For information on net notional credit protection purchased to hedge\nfunded and unfunded exposures for which we elected the fair value option, as\nwell as certain other credit exposures, see Commercial Portfolio Credit Risk\nManagement \u2013 Risk Mitigation.", "c46a7516-119c-4fcf-9f16-4d6c7e73ffe1": "Includes U.S. small business commercial activity. Small business card loans are excluded as they are not classified as nonperforming.\nCommercial loans and leases may be returned to performing status when all principal and interest is current and full repayment of the remaining contractual principal and interest is expected, \nwhen the loan otherwise becomes well-secured and is in the process of\ncollection, or when a modified loan demonstrates a sustained period of payment performance.\nOutstanding commercial loans exclude loans accounted for under the fair value option.\nIndustry Concentrations\nIndustry Concentrations\nTable 34 presents commercial committed and utilized credit exposure by\nindustry. For information on net notional credit protection purchased to hedge\nfunded and unfunded exposures for which we elected the fair value option, as\nwell as certain other credit exposures, see Commercial Portfolio Credit Risk\nManagement \u2013 Risk Mitigation.\nCommercial credit exposure is diversified across a broad range of\nindustries. Total commercial committed exposure increased $13.9 billion\nduring 2023 to $1.2 trillion. The increase in commercial committed exposure\nwas concentrated in Capital goods, Finance companies and Asset managers\nand funds.\nIndustry limits are used internally to manage industry concentrations and\nare based on committed exposure that is determined on an industry-by-\nindustry basis. A risk management framework is in place to set and approve\nindustry limits as well as to provide ongoing monitoring.\nAsset managers and funds, our largest industry concentration with\ncommitted exposure of $169.3 billion, increased $4.2 billion, primarily driven\nby exposure to the Capital markets industry group during 2023.\nReal estate, our second largest industry concentration with committed\nexposure of $100.3 billion remained relatively unchanged during 2023. For\nmore information on the commercial real estate and related portfolios, see\nCommercial Portfolio Credit Risk Management \u2013 Commercial Real Estate on\npage 65.\nCapital goods, our third largest industry concentration with committed\nexposure of $97.0 billion, increased $9.7 billion, or 11 percent, during 2023.\nThe increase in committed exposure occurred primarily as a result of\nincreases in Trading companies and distributors as well as Machinery,\npartially offset by a decrease in Industrial conglomerates.\nThe impact of various macroeconomic challenges, including geopolitical\ntensions, inflationary pressures and elevated interest rates, may lead to\nuncertainty in the U.S. and global economies, and may adversely impact a\nnumber of industries. \nWe continue to monitor all industries, particularly higher\nrisk industries that are experiencing or could experience a more significant\nimpact to their financial condition.\n(1, 2)\n(1, 2)\n(3)\n(4)\n(4)\n(1)\n(2)\n(3)\n(4)\nBank of America \n66\n66", "090e600d-2481-48aa-b593-54854cb548a4": "Table 34\nTable 34\nCommercial Credit Exposure by Industry \nCommercial Credit Exposure by Industry \nCommercial \nCommercial \nUtilized\nUtilized\nTotal Commercial\nTotal Commercial\nCommitted \nCommitted \nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\nAsset managers and funds\n$\n$\n103,138\n103,138\n \n$\n106,842 \n$\n$\n169,318\n169,318\n \n$\n165,087 \nReal estate\n73,150\n73,150\n \n72,180 \n100,269\n100,269\n \n99,722 \nCapital goods\n49,698\n49,698\n \n45,580 \n97,044\n97,044\n \n87,314 \nFinance companies\n62,906\n62,906\n \n55,248 \n89,119\n89,119\n \n79,546 \nHealthcare equipment and services\n35,037\n35,037\n \n33,554 \n61,766\n61,766\n \n58,761 \nMaterials\n25,223\n25,223\n \n26,304 \n55,296\n55,296\n \n55,589 \nRetailing\n24,561\n24,561\n \n24,785 \n54,523\n54,523\n \n53,714 \nFood, beverage and tobacco\n23,865\n23,865\n \n23,232 \n49,426\n49,426\n \n47,486 \nConsumer services\n27,355\n27,355\n \n26,980 \n49,105\n49,105\n \n47,372 \nGovernment and public education\n31,051\n31,051\n \n34,861 \n45,873\n45,873\n \n48,134 \nIndividuals and trusts\n32,481\n32,481\n \n34,897 \n43,938\n43,938\n \n45,572 \nCommercial services and supplies\n22,642\n22,642\n \n23,628 \n41,473\n41,473\n \n41,596 \nUtilities\n18,610\n18,610\n \n20,292 \n39,481\n39,481\n \n40,164 \nEnergy\n12,450\n12,450\n \n15,132 \n36,996\n36,996\n \n36,043 \nTransportation\n24,200\n24,200\n \n22,273 \n36,267\n36,267\n \n33,858 \nTechnology hardware and equipment\n11,951\n11,951\n \n11,441 \n29,160\n29,160\n \n29,825 \nGlobal commercial banks\n22,749\n22,749\n \n27,217 \n25,684\n25,684\n \n29,293 \nMedia\n13,033\n13,033\n \n14,781 \n24,908\n24,908\n \n28,216 \nVehicle dealers\n16,283\n16,283\n \n12,909 \n22,570\n22,570\n \n20,638 \nSoftware and services\n9,830\n9,830\n \n12,961 \n22,381\n22,381\n \n25,633 \nPharmaceuticals and biotechnology\n6,852\n6,852\n \n7,547 \n22,169\n22,169\n \n26,208 \nConsumer durables and apparel\n9,184\n9,184\n \n10,009 \n20,732\n20,732\n \n21,389 \nInsurance\n9,371\n9,371\n \n10,224 \n19,322\n19,322\n \n19,444 \nTelecommunication services\n9,224\n9,224\n \n9,679 \n17,269\n17,269\n \n17,349 \nAutomobiles and components\n7,049\n7,049\n \n8,774 \n16,459\n16,459\n \n16,911 \nFood and staples retailing\n7,423\n7,423\n \n7,157 \n12,496\n12,496\n \n11,908 \nFinancial markets infrastructure (clearinghouses)\n4,229\n4,229\n \n3,913 \n6,503\n6,503\n \n8,752 \nReligious and social organizations\n2,754\n2,754\n \n2,467 \n4,565\n4,565\n \n4,689 \nTotal commercial credit exposure by industry\nTotal commercial credit exposure by industry\n$\n$\n696,299\n696,299\n \n$\n704,867 \n$\n$\n1,214,112\n1,214,112\n \n$\n1,200,213 \nIncludes U.S. small business commercial exposure.\nIncludes the notional amount of unfunded legally binding lending commitments, net of amounts distributed (i.e., syndicated or participated) to other financial institutions.", "5f387fb7-4571-4d71-ad61-90379f79d978": "small business commercial exposure.\nIncludes the notional amount of unfunded legally binding lending commitments, net of amounts distributed (i.e., syndicated or participated) to other financial institutions. The distributed amounts were $10.3 billion and $10.4 billion at December 31, 2023 and 2022.\nIndustries are viewed from a variety of perspectives to best isolate the perceived risks. For purposes of this table, the real estate industry is defined based on the primary business activity of the borrowers or counterparties using operating cash flows and primary\nsource of repayment as key factors.\nRisk Mitigation\nRisk Mitigation\nWe purchase credit protection to cover the funded portion as well as the\nunfunded portion of certain credit exposures. To lower the cost of obtaining our\ndesired credit protection levels, we may add credit exposure within an industry,\nborrower or counterparty group by selling protection.\nAt December 31, 2023 and 2022, net notional credit default protection\npurchased in our credit derivatives portfolio to hedge our funded and unfunded\nexposures for which we elected the fair value option, as well as certain other\ncredit exposures, was $10.9 billion and $9.0 billion. We recorded net losses of\n$185 million in 2023 compared to net losses of $37 million in 2022. The gains\nand losses on these instruments were largely offset by gains and losses on\nthe related exposures. The Value-at-Risk (VaR) results for these exposures\nare included in the fair value option portfolio information in Table 41. For more\ninformation, see Trading Risk Management on page 74.\nTables 35 and 36 present the maturity profiles and the credit exposure debt\nratings of the net credit default protection portfolio at December 31, 2023 and\n2022.\nTable 35\nTable 35\nNet Credit Default Protection by Maturity\nNet Credit Default Protection by Maturity\nDecember 31\nDecember 31\n2023\n2023\n2022\nLess than or equal to one year\n36\n36\n \n%\n%\n14 \n%\nGreater than one year and less than or equal to five\nyears\n64\n64\n \n85 \nGreater than five years\n\u2014\n\u2014\n \n1 \nTotal net credit default protection\nTotal net credit default protection\n100\n100\n \n%\n%\n100 \n%\n(1)\n(1)\n(2)\n(2)\n (3)\n(1)\n(2)\n(3)\n67\n67\n \nBank of America", "a7f69633-0f4d-4336-b253-d8c06621304f": "Table 36\nTable 36\nNet Credit Default Protection by Credit Exposure\nNet Credit Default Protection by Credit Exposure\nDebt Rating\nDebt Rating\nNet\nNet\nNotional \nNotional \nPercent of\nPercent of\nTotal\nTotal\nNet\nNotional \nPercent of\nTotal\n \nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\nRatings \nRatings \n \n \n \n \nAAA\n$\n$\n(479)\n(479)\n4.4\n4.4\n \n%\n%\n$\n(379)\n4.0 \n%\nAA\n(1,080)\n(1,080)\n9.9\n9.9\n \n(867)\n10.0 \nA\n(5,237)\n(5,237)\n48.2\n48.2\n \n(3,257)\n36.0 \nBBB\n(2,912)\n(2,912)\n26.8\n26.8\n \n(2,476)\n28.0 \nBB\n(698)\n(698)\n6.4\n6.4\n \n(1,049)\n12.0 \nB\n(419)\n(419)\n3.9\n3.9\n \n(676)\n7.0 \nCCC and below\n(52)\n(52)\n0.5\n0.5\n \n(93)\n1.0 \nNR \n2\n2\n \n(0.1)\n(0.1)\n(182)\n2.0 \nTotal net credit\nTotal net credit\ndefault protection\ndefault protection\n$\n$\n(10,875)\n(10,875)\n100.0\n100.0\n \n%\n%\n$\n(8,979)\n100.0 \n%\nRepresents net credit default protection purchased.\nRatings are refreshed on a quarterly basis.\nRatings of BBB- or higher are considered to meet the definition of investment grade.\nNR is comprised of index positions held and any names that have not been rated.\nIn addition to our net notional credit default protection purchased to cover\nthe funded and unfunded portion of certain credit exposures, credit derivatives\nare used for market-making activities for clients and establishing positions\nintended to profit from directional or relative value changes. We execute the\nmajority of our credit derivative trades in the OTC market with large,\nmultinational financial institutions, including broker-dealers and, to a lesser\ndegree, with a variety of other investors. Because these transactions are\nexecuted in the OTC market, we are subject to settlement risk. We are also\nsubject to credit risk in the event that these counterparties fail to perform under\nthe terms of these contracts. In order to properly reflect counterparty credit risk,\nwe record counterparty credit risk valuation adjustments on certain derivative\nassets, including our purchased credit default protection. In most cases, credit\nderivative transactions are executed on a daily margin basis. Therefore, events\nsuch as a credit downgrade, depending on the ultimate rating level, or a\nbreach of credit covenants would typically require an increase in the amount of\ncollateral required by the counterparty, where applicable, and/or allow us to\ntake additional protective measures such as early termination of all\ntrades. For more information on credit derivatives and counterparty credit risk\nvaluation adjustments, see \nNote 3 \u2013 Derivatives\n to the Consolidated Financial\nStatements\n.\nNon-U.S. Portfolio\nNon-U.S. Portfolio\nOur non-U.S. credit and trading portfolios are subject to country risk. We define\ncountry risk as the risk of loss from unfavorable economic and political\nconditions, currency fluctuations, social instability and changes in government\npolicies. A risk management framework is in place to measure, monitor and\nmanage non-U.S. risk and exposures. In addition to the direct risk of doing\nbusiness in a country, we also are exposed to indirect country risks (e.g.,\nrelated to the collateral received on secured financing transactions or related\nto client clearing activities). These indirect exposures are managed in the\nnormal course of business through credit, market and operational risk\ngovernance rather than through country risk governance.\nTable 37 presents our 20 largest non-U.S. country exposures at\nDecember 31, 2023. These exposures accounted for 89 percent of our total\nnon-U.S. exposure at December 31, 2023 and 2022. Net country exposure for\nthese 20 countries decreased $13.1 billion in 2023 primarily driven by\ndecreases in Germany and Japan.\nNon-U.S.", "06a56716-b57f-493f-af58-3aee88a33fb6": "A risk management framework is in place to measure, monitor and\nmanage non-U.S. risk and exposures. In addition to the direct risk of doing\nbusiness in a country, we also are exposed to indirect country risks (e.g.,\nrelated to the collateral received on secured financing transactions or related\nto client clearing activities). These indirect exposures are managed in the\nnormal course of business through credit, market and operational risk\ngovernance rather than through country risk governance.\nTable 37 presents our 20 largest non-U.S. country exposures at\nDecember 31, 2023. These exposures accounted for 89 percent of our total\nnon-U.S. exposure at December 31, 2023 and 2022. Net country exposure for\nthese 20 countries decreased $13.1 billion in 2023 primarily driven by\ndecreases in Germany and Japan.\nNon-U.S. exposure is presented on an internal risk management basis\nand includes sovereign and non-sovereign credit exposure, securities and\nother investments issued by or domiciled in countries other than the U.S.\nFunded loans and loan equivalents include loans, leases, and other\nextensions of credit and funds, including letters of credit and due from\nplacements. Unfunded commitments are the undrawn portion of legally\nbinding commitments related to loans and loan equivalents. Net counterparty\nexposure includes the fair value of derivatives, including the counterparty risk\nassociated with credit default swaps (CDS), and secured financing\ntransactions. Securities and other investments are carried at fair value and\nlong securities exposures are netted against short exposures with the same\nunderlying issuer to, but not below, zero. Net country exposure represents\ncountry exposure less hedges and credit default protection purchased, net of\ncredit default protection sold.\n(1)\n(1)\n(1)\n(2, 3)\n(2, 3)\n(4)\n(1)\n(2)\n(3)\n(4)\nBank of America \n68\n68", "5bd1c4f8-3b51-4e0b-850e-4b73310a1059": "Table 37\nTable 37\nTop 20 Non-U.S. Countries Exposure\nTop 20 Non-U.S. Countries Exposure\n(Dollars in millions)\nFunded Loans\n and Loan\n Equivalents\nUnfunded\n Loan\n Commitments\nNet\n Counterparty\n Exposure\nSecurities/\nOther\nInvestments\nCountry Exposure\nat December 31\n2023\nHedges and Credit\nDefault Protection\nNet Country\nNet Country\nExposure at\nExposure at\nDecember 31\nDecember 31\n2023\n2023\nIncrease\n(Decrease) from\nDecember 31\n2022\nUnited Kingdom\n$\n28,805 \n$\n18,276 \n$\n5,416 \n$\n5,080 \n$\n57,577 \n$\n(1,642)\n$\n$\n55,935\n55,935\n \n$\n590 \nGermany\n24,051 \n10,098 \n2,105 \n2,013 \n38,267 \n(2,612)\n35,655\n35,655\n \n(10,071)\nCanada\n11,653 \n10,079 \n1,280 \n5,490 \n28,502 \n(487)\n28,015\n28,015\n \n2,442 \nFrance\n13,997 \n8,429 \n1,111 \n2,585 \n26,122 \n(1,264)\n24,858\n24,858\n \n(1,735)\nAustralia\n14,179 \n4,654 \n383 \n2,358 \n21,574 \n(252)\n21,322\n21,322\n \n1,105 \nJapan\n9,553 \n1,895 \n1,194 \n5,124 \n17,766 \n(792)\n16,974\n16,974\n \n(6,113)\nBrazil\n9,252 \n1,329 \n807 \n3,946 \n15,334 \n(51)\n15,283\n15,283\n \n2,783 \nIndia\n6,891 \n231 \n580 \n4,270 \n11,972 \n(47)\n11,925\n11,925\n \n1,156 \nSingapore\n4,955 \n505 \n125 \n5,303 \n10,888 \n(71)\n10,817\n10,817\n \n1,210 \nIreland\n8,464 \n1,322 \n133 \n459 \n10,378 \n(45)\n10,333\n10,333\n \n1,243 \nSwitzerland\n4,867 \n3,786 \n294 \n497 \n9,444 \n(215)\n9,229\n9,229\n \n(1,459)\nMexico\n5,499 \n1,652 \n489 \n1,332 \n8,972 \n(53)\n8,919\n8,919\n \n1,527 \nChina\n5,299 \n334 \n331 \n2,781 \n8,745 \n(233)\n8,512\n8,512\n \n(2,296)\nSouth Korea\n5,404 \n880 \n357 \n1,854 \n8,495 \n(35)\n8,460\n8,460\n \n(666)\nNetherlands\n3,188 \n3,312 \n735 \n959 \n8,194 \n(1,045)\n7,149\n7,149\n \n(2,134)\nItaly\n4,121 \n2,184 \n200 \n653 \n7,158 \n(543)\n6,615\n6,615\n \n947 \nHong Kong\n3,722 \n556 \n464 \n1,137 \n5,879 \n(27)\n5,852\n5,852\n \n(1,419)\nSpain\n2,893 \n2,035 \n163 \n902 \n5,993 \n(397)\n5,596\n5,596\n \n(245)\nBelgium\n1,648 \n1,328 \n205 \n415 \n3,596 \n(149)\n3,447\n3,447\n \n(416)\nSweden\n1,223 \n1,857 \n155 \n152 \n3,387 \n(373)\n3,014\n3,014\n \n410 \nTotal top 20 non-U.S. countries\nTotal top 20 non-U.S. countries\nexposure\nexposure\n$\n169,664 \n$\n74,742 \n$\n16,527 \n$\n47,310 \n$\n308,243 \n$\n(10,333)\n$\n$\n297,910\n297,910\n \n$\n(13,141)\nOur largest non-U.S. country exposure at December 31, 2023 was the United Kingdom with net exposure of $55.9 billion, which represents an increase of\n$590 million from December 31, 2022. The increase was primarily driven by higher corporate exposure. Our second largest non-U.S.", "9aa610f5-7320-4dcd-98d1-1a87cb3d60f3": "countries\nTotal top 20 non-U.S. countries\nexposure\nexposure\n$\n169,664 \n$\n74,742 \n$\n16,527 \n$\n47,310 \n$\n308,243 \n$\n(10,333)\n$\n$\n297,910\n297,910\n \n$\n(13,141)\nOur largest non-U.S. country exposure at December 31, 2023 was the United Kingdom with net exposure of $55.9 billion, which represents an increase of\n$590 million from December 31, 2022. The increase was primarily driven by higher corporate exposure. Our second largest non-U.S. country exposure was\nGermany with net exposure of $35.7 billion at December 31, 2023, a decrease of $10.1 billion from December 31, 2022. The decrease was primarily driven by\nlower deposits with the central bank.\n69\n69\n \nBank of America", "7d34be51-3cf4-4f29-9975-5b2633661460": "Loan and Lease Contractual Maturities\nLoan and Lease Contractual Maturities\nTable 38 disaggregates total outstanding loans and leases by remaining scheduled principal due dates and interest rates. The amounts provided do not reflect\nprepayment assumptions or hedging activities related to the loan portfolio. For information on the asset sensitivity of our total banking book balance sheet, see\nInterest Rate Risk Management for the Banking Book on page 77.\nTable 38\nTable 38\nLoan and Lease Contractual Maturities \nLoan and Lease Contractual Maturities \n \n \nDecember 31, 2023\nDecember 31, 2023\n(Dollars in millions)\nDue in One\nDue in One\nYear or Less\nYear or Less\nDue After One\nDue After One\nYear Through Five\nYear Through Five\nYears\nYears\nDue After Five\nDue After Five\nYears Through 15\nYears Through 15\nYears\nYears\nDue After 15 Years\nDue After 15 Years\nTotal\nTotal\nResidential mortgage\n$\n5,675 \n$\n32,850 \n$\n95,399 \n$\n94,545 \n$\n$\n228,469\n228,469\n \nHome equity\n186 \n1,092 \n4,038 \n20,388 \n25,704\n25,704\n \nCredit card\n102,200 \n\u2014 \n\u2014 \n\u2014 \n102,200\n102,200\n \nDirect/Indirect consumer\n61,888 \n35,663 \n4,941 \n976 \n103,468\n103,468\n \nOther consumer\n124 \n\u2014 \n\u2014 \n\u2014 \n124\n124\n \nTotal consumer loans\nTotal consumer loans\n170,073\n170,073\n \n69,605\n69,605\n \n104,378\n104,378\n \n115,909\n115,909\n \n459,965\n459,965\n \nU.S. commercial\n105,690 \n233,802 \n19,659 \n1,935 \n361,086\n361,086\n \nNon-U.S. commercial\n44,473 \n55,782 \n24,255 \n1,242 \n125,752\n125,752\n \nCommercial real estate\n29,335 \n41,819 \n864 \n860 \n72,878\n72,878\n \nCommercial lease financing\n3,234 \n9,112 \n1,052 \n1,456 \n14,854\n14,854\n \nU.S. small business commercial\n11,764 \n4,459 \n2,878 \n96 \n19,197\n19,197\n \nTotal commercial loans\nTotal commercial loans\n194,496\n194,496\n \n344,974\n344,974\n \n48,708\n48,708\n \n5,589\n5,589\n \n593,767\n593,767\n \nTotal loans and leases\nTotal loans and leases\n$\n$\n364,569\n364,569\n \n$\n$\n414,579\n414,579\n \n$\n$\n153,086\n153,086\n \n$\n$\n121,498\n121,498\n \n$\n$\n1,053,732\n1,053,732\n \nAmount due in one year or less at:\nAmount due in one year or less at:\nAmount due after one year at:\nAmount due after one year at:\n(Dollars in millions)\nVariable Interest\nVariable Interest\nRates\nRates\nFixed Interest\nFixed Interest\nRates\nRates\nVariable Interest\nVariable Interest\nRates\nRates\nFixed Interest\nFixed Interest\nRates\nRates\nTotal\nTotal\nResidential mortgage\n$\n999 \n$\n4,676 \n$\n84,230 \n$\n138,564 \n$\n$\n228,469\n228,469\n \nHome equity\n161 \n25 \n21,871 \n3,647 \n25,704\n25,704\n \nCredit card\n97,627 \n4,573 \n\u2014 \n\u2014 \n102,200\n102,200\n \nDirect/Indirect consumer\n42,832 \n19,056 \n2,321 \n39,259 \n103,468\n103,468\n \nOther consumer\n2 \n122 \n\u2014 \n\u2014 \n124\n124\n \nTotal consumer loans\nTotal consumer loans\n141,621\n141,621\n \n28,452\n28,452\n \n108,422\n108,422\n \n181,470\n181,470\n \n459,965\n459,965\n \nU.S. commercial\n81,546 \n24,144 \n209,912 \n45,484 \n361,086\n361,086\n \nNon-U.S.", "2d0816ce-ffaf-4b4d-b06b-a46fbe3f6aef": "commercial\n81,546 \n24,144 \n209,912 \n45,484 \n361,086\n361,086\n \nNon-U.S. commercial\n34,632 \n9,841 \n79,019 \n2,260 \n125,752\n125,752\n \nCommercial real estate\n26,836 \n2,499 \n42,226 \n1,317 \n72,878\n72,878\n \nCommercial lease financing\n410 \n2,824 \n1,800 \n9,820 \n14,854\n14,854\n \nU.S. small business commercial\n7,089 \n4,675 \n110 \n7,323 \n19,197\n19,197\n \nTotal commercial loans\nTotal commercial loans\n150,513\n150,513\n \n43,983\n43,983\n \n333,067\n333,067\n \n66,204\n66,204\n \n593,767\n593,767\n \nTotal loans and leases\nTotal loans and leases\n$\n$\n292,134\n292,134\n \n$\n$\n72,435\n72,435\n \n$\n$\n441,489\n441,489\n \n$\n$\n247,674\n247,674\n \n$\n$\n1,053,732\n1,053,732\n \nIncludes loans accounted for under the fair value option.\n(1)\n(1)\n(1)\nBank of America \n70\n70", "71d466ad-75ba-45aa-85e7-845a4f963acd": "Allowance for Credit Losses\nAllowance for Credit Losses\nThe allowance for credit losses increased $329 million from December 31,\n2022 to $14.6 billion at December 31, 2023, which included a $1.3 billion\nreserve increase related to the consumer portfolio and a $942 million reserve\ndecrease related to the commercial portfolio. The increase in the allowance\nreflected a reserve build in our consumer portfolio primarily due to credit card\nloan growth and asset quality, partially offset by a reserve release in our\ncommercial portfolio primarily driven by improved macroeconomic conditions\napplicable to the\ncommercial portfolio. The allowance also includes the impact of the\naccounting change to remove the recognition and measurement guidance on\ntroubled debt restructurings, which reduced the allowance for credit losses by\n$243 million on January 1, 2023. For more information on this change in\naccounting guidance, see \nNote 1 \u2013 Summary of Significant Accounting\nPrinciples \nto the Consolidated Financial Statements.\nTable 39 presents an allocation of the allowance for credit losses by\nproduct type at December 31, 2023 and 2022.\nTable 39\nTable 39\nAllocation of the Allowance for Credit Losses by Product Type\nAllocation of the Allowance for Credit Losses by Product Type\nAmount\nAmount\nPercent of\nPercent of\nTotal\nTotal\nPercent of\nPercent of\nLoans and\nLoans and\nLeases\nLeases\nOutstanding \nOutstanding \nAmount\nPercent of\nTotal\nPercent of\nLoans and\nLeases\nOutstanding \n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nDecember 31, 2022\nAllowance for loan and lease losses\nAllowance for loan and lease losses\n \n \n \n \n \n \n \n \n \nResidential mortgage\n$\n$\n339\n339\n \n2.54\n2.54\n \n%\n%\n0.15\n0.15\n \n%\n%\n$\n328 \n2.59 \n%\n0.14 \n%\nHome equity\n47\n47\n \n0.35\n0.35\n \n0.19\n0.19\n \n92 \n0.73 \n0.35 \nCredit card\n7,346\n7,346\n \n55.06\n55.06\n \n7.19\n7.19\n \n6,136 \n48.38 \n6.57 \nDirect/Indirect consumer\n715\n715\n \n5.36\n5.36\n \n0.69\n0.69\n \n585 \n4.61 \n0.55 \nOther consumer\n73\n73\n \n0.55\n0.55\n \nn/m\nn/m\n96 \n0.76 \nn/m\nTotal consumer\nTotal consumer\n8,520\n8,520\n \n63.86\n63.86\n \n1.85\n1.85\n \n7,237 \n57.07 \n1.59 \nU.S. commercial \n2,600\n2,600\n \n19.49\n19.49\n \n0.69\n0.69\n \n3,007 \n23.71 \n0.80 \nNon-U.S. commercial\n842\n842\n \n6.31\n6.31\n \n0.68\n0.68\n \n1,194 \n9.41 \n0.96 \nCommercial real estate\n1,342\n1,342\n \n10.06\n10.06\n \n1.84\n1.84\n \n1,192 \n9.40 \n1.71 \nCommercial lease financing\n38\n38\n \n0.28\n0.28\n \n0.26\n0.26\n \n52 \n0.41 \n0.38 \nTotal commercial\nTotal commercial\n4,822\n4,822\n \n36.14\n36.14\n \n0.82\n0.82\n \n5,445 \n42.93 \n0.93 \nAllowance for loan and lease losses\nAllowance for loan and lease losses\n13,342\n13,342\n \n100.00\n100.00\n \n%\n%\n1.27\n1.27\n \n12,682 \n100.00 \n%\n1.22 \nReserve for unfunded lending commitments\nReserve for unfunded lending commitments\n1,209\n1,209\n \n1,540 \n \nAllowance for credit losses\nAllowance for credit losses\n$\n$\n14,551\n14,551\n \n$\n14,222 \nRatios are calculated as allowance for loan and lease losses as a percentage of loans and leases outstanding excluding loans accounted for under the fair value option.\nIncludes allowance for loan and lease losses for U.S.", "3bdcc6d0-fddd-4444-8470-8030aa111dc7": "Includes allowance for loan and lease losses for U.S. small business commercial loans of $1.0 billion and $844 million at December 31, 2023 and 2022.\nn/m = not meaningful\nNet charge-offs for 2023 were $3.8 billion compared to $2.2 billion in 2022\nprimarily due to late-stage delinquent credit card loans that were charged off.\nThe provision for credit losses increased $1.9 billion to $4.4 billion during\n2023 compared to 2022. The provision for credit losses in 2023 was driven by\nour consumer portfolio primarily due to credit card loan growth and asset\nquality, partially offset by improved macroeconomic conditions that primarily\nbenefited our commercial portfolio. The provision for credit losses for the\nconsumer portfolio, including unfunded lending commitments, increased $2.5\nbillion to $4.5 billion during 2023 compared to 2022. The provision for credit\nlosses for the commercial portfolio, including unfunded lending\ncommitments, decreased $628 million to a $133 million benefit for 2023\ncompared to 2022. The decline was due primarily to an improved\nmacroeconomic outlook.\nTable 40 presents a rollforward of the allowance for credit losses, including\ncertain loan and allowance ratios for 2023 and 2022. For more information on\nthe Corporation\u2019s credit loss accounting policies and activity related to the\nallowance for credit losses, see \nNote 1 \u2013 Summary of Significant Accounting\nPrinciples\n and \nNote 5 \u2013 Outstanding Loans and Leases and Allowance for\nCredit Losses\n to the Consolidated Financial Statements.\n(1)\n(1)\n(1)\n(2)\n(1)\n(2)\n71\n71\n \nBank of America", "09a3ef12-129d-4eb0-ae9f-f91657ce08a0": "Table 40\nTable 40\nAllowance for Credit Losses\nAllowance for Credit Losses\n(Dollars in millions)\n2023\n2023\n2022\nAllowance for loan and lease losses, December 31\nAllowance for loan and lease losses, December 31\n$\n$\n12,682\n12,682\n \n$\n12,387 \nJanuary 1, 2023 adoption of credit loss standard\n(243)\n(243)\nn/a\nAllowance for loan and lease losses, January 1\nAllowance for loan and lease losses, January 1\n$\n$\n12,439\n12,439\n \n$\n12,387 \nLoans and leases charged off\nLoans and leases charged off\nResidential mortgage\n(67)\n(67)\n(161)\nHome equity\n(36)\n(36)\n(45)\nCredit card\n(3,133)\n(3,133)\n(1,985)\nDirect/Indirect consumer\n(233)\n(233)\n(232)\nOther consumer\n(504)\n(504)\n(538)\nTotal consumer charge-offs\nTotal consumer charge-offs\n(3,973)\n(3,973)\n(2,961)\nU.S. commercial \n(551)\n(551)\n(354)\nNon-U.S. commercial\n(37)\n(37)\n(41)\nCommercial real estate\n(254)\n(254)\n(75)\nCommercial lease financing\n(2)\n(2)\n(8)\nTotal commercial charge-offs\nTotal commercial charge-offs\n(844)\n(844)\n(478)\nTotal loans and leases charged off\nTotal loans and leases charged off\n(4,817)\n(4,817)\n(3,439)\nRecoveries of loans and leases previously charged off\nRecoveries of loans and leases previously charged off\nResidential mortgage\n51\n51\n \n89 \nHome equity\n95\n95\n \n135 \nCredit card\n572\n572\n \n651 \nDirect/Indirect consumer\n141\n141\n \n214 \nOther consumer\n24\n24\n \n17 \nTotal consumer recoveries\nTotal consumer recoveries\n883\n883\n \n1,106 \nU.S. commercial \n108\n108\n \n129 \nNon-U.S.", "b27f50a1-189f-4f73-87a6-cfb506317406": "commercial\n(37)\n(37)\n(41)\nCommercial real estate\n(254)\n(254)\n(75)\nCommercial lease financing\n(2)\n(2)\n(8)\nTotal commercial charge-offs\nTotal commercial charge-offs\n(844)\n(844)\n(478)\nTotal loans and leases charged off\nTotal loans and leases charged off\n(4,817)\n(4,817)\n(3,439)\nRecoveries of loans and leases previously charged off\nRecoveries of loans and leases previously charged off\nResidential mortgage\n51\n51\n \n89 \nHome equity\n95\n95\n \n135 \nCredit card\n572\n572\n \n651 \nDirect/Indirect consumer\n141\n141\n \n214 \nOther consumer\n24\n24\n \n17 \nTotal consumer recoveries\nTotal consumer recoveries\n883\n883\n \n1,106 \nU.S. commercial \n108\n108\n \n129 \nNon-U.S. commercial\n18\n18\n \n20 \nCommercial real estate\n9\n9\n \n9 \nCommercial lease financing\n\u2014\n\u2014\n \n3 \nTotal commercial recoveries\nTotal commercial recoveries\n135\n135\n \n161 \nTotal recoveries of loans and leases previously charged off\nTotal recoveries of loans and leases previously charged off\n1,018\n1,018\n \n1,267 \nNet charge-offs\nNet charge-offs\n(3,799)\n(3,799)\n(2,172)\nProvision for loan and lease losses\n4,725\n4,725\n \n2,460 \nOther\n(23)\n(23)\n7 \nAllowance for loan and lease losses, December 31\nAllowance for loan and lease losses, December 31\n13,342\n13,342\n \n12,682 \nReserve for unfunded lending commitments, January 1\nReserve for unfunded lending commitments, January 1\n1,540\n1,540\n \n1,456 \nProvision for unfunded lending commitments\n(331)\n(331)\n83 \nOther\n\u2014\n\u2014\n \n1 \nReserve for unfunded lending commitments, December 31\nReserve for unfunded lending commitments, December 31\n1,209\n1,209\n \n1,540 \nAllowance for credit losses, December 31\nAllowance for credit losses, December 31\n$\n$\n14,551\n14,551\n \n$\n14,222 \nLoan and allowance ratios \nLoan and allowance ratios \n:\n:\nLoans and leases outstanding at December 31\n$\n$\n1,050,163\n1,050,163\n \n$\n1,039,976 \nAllowance for loan and lease losses as a percentage of total loans and leases outstanding at December 31\n1.27\n1.27\n \n%\n%\n1.22 \n%\nConsumer allowance for loan and lease losses as a percentage of total consumer loans and leases outstanding at December 31\n1.85\n1.85\n \n1.59 \nCommercial allowance for loan and lease losses as a percentage of total commercial loans and leases outstanding at December 31\n0.82\n0.82\n \n0.93 \nAverage loans and leases outstanding\n$\n$\n1,041,824\n1,041,824\n \n$\n1,010,799 \nNet charge-offs as a percentage of average loans and leases outstanding\n0.36\n0.36\n \n%\n%\n0.21 \n%\nAllowance for loan and lease losses as a percentage of total nonperforming loans and leases at December 31\n243\n243\n \n333 \nRatio of the allowance for loan and lease losses at December 31 to net charge-offs\n3.51\n3.51\n \n5.84 \nAmounts included in allowance for loan and lease losses for loans and leases that are excluded from nonperforming loans and leases at December 31 \n$\n$\n8,357\n8,357\n \n$\n6,998 \nAllowance for loan and lease losses as a percentage of total nonperforming loans and leases, excluding the allowance for loan and lease losses for loans and\nleases that are excluded from nonperforming loans and leases at December 31 \n91\n91\n \n%\n%\n149 \n%\nIncludes U.S. small business commercial charge-offs of $360 million in 2023 compared to $203 million in 2022.\nIncludes U.S. small business commercial recoveries of $41 million in 2023 compared to $49 million in 2022.\nRatios are calculated as allowance for loan and lease losses as a percentage of loans and leases outstanding excluding loans accounted for under the fair value option.\nPrimarily includes amounts related to credit card and unsecured consumer lending portfolios in \nConsumer Banking\n.", "e60e05a0-aab6-4205-a20f-86095dc16bc4": "small business commercial charge-offs of $360 million in 2023 compared to $203 million in 2022.\nIncludes U.S. small business commercial recoveries of $41 million in 2023 compared to $49 million in 2022.\nRatios are calculated as allowance for loan and lease losses as a percentage of loans and leases outstanding excluding loans accounted for under the fair value option.\nPrimarily includes amounts related to credit card and unsecured consumer lending portfolios in \nConsumer Banking\n.\n(1)\n(2)\n(3) \n(3) \n(4)\n(4)\n(1)\n(2)\n(3)\n(4)\nBank of America \n72\n72", "7ee1f3c8-e5f3-465f-89e9-6cf50f9651ed": "Market Risk Management\nMarket Risk Management\nMarket risk is the risk that changes in market conditions may adversely impact\nthe value of assets or liabilities, or otherwise negatively impact earnings. This\nrisk is inherent in the financial instruments associated \nwith our operations,\nprimarily within our \nGlobal Markets\n segment. We are also exposed to these\nrisks in other areas of the Corporation (e.g., our ALM activities). In the event of\nmarket stress, these risks could have a material impact on our results. For\nmore information, see Interest Rate Risk Management for the Banking Book\non page 77.\nOur traditional banking loan and deposit products are non-trading positions\nand are generally reported at amortized cost for assets or the amount owed for\nliabilities (historical cost). However, these positions are still subject to\nchanges in economic value based on varying market conditions, with one of\nthe primary risks being changes in the levels of interest rates. The risk of\nadverse changes in the economic value of our non-trading positions arising\nfrom changes in interest rates is managed through our ALM activities. We have\nelected to account for certain assets and liabilities under the fair value option.\nOur trading positions are reported at fair value with changes reflected in\nincome. Trading positions are subject to various changes in market-based\nrisk factors. The majority of this risk is generated by our activities in the interest\nrate, foreign exchange, credit, equity and commodities markets. In addition, the\nvalues of assets and liabilities could change due to market liquidity,\ncorrelations across markets and expectations of market volatility. We seek to\nmanage these risk exposures by using a variety of techniques that\nencompass a broad range of financial instruments. The key risk management\ntechniques are discussed in more detail in the Trading Risk Management\nsection.\nGRM is responsible for providing senior management with a clear and\ncomprehensive understanding of the trading risks to which we are exposed.\nThese responsibilities include ownership of market risk policy, developing and\nmaintaining quantitative risk models, calculating aggregated risk measures,\nestablishing and monitoring position limits consistent with risk appetite,\nconducting daily reviews and analysis of trading inventory, approving material\nrisk exposures and fulfilling regulatory requirements. Market risks that impact\nbusinesses outside of \nGlobal Markets\n are monitored and governed by their\nrespective governance functions.\nModel risk is the potential for adverse consequences from decisions based\non incorrect or misused model outputs and reports. Given that models are\nused across the Corporation, model risk impacts all risk types including credit,\nmarket and operational risks. The Enterprise Model Risk Policy defines model\nrisk standards, consistent with our Risk Framework and risk appetite,\nprevailing regulatory guidance and industry best practice. All models, including\nrisk management, valuation and regulatory capital models, must meet certain\nvalidation criteria, including effective challenge of the conceptual soundness of\nthe model, independent model testing and ongoing monitoring through\noutcomes analysis and benchmarking. The Enterprise Model Risk Committee,\na subcommittee of the MRC, oversees that model standards are consistent\nwith model risk requirements and monitors the effective challenge in the\nmodel validation process across the Corporation.\nInterest Rate Risk\nInterest Rate Risk\nInterest rate risk represents exposures to instruments whose values vary with\nthe level or volatility of interest rates. These instruments include, but are not\nlimited to, loans, debt\nsecurities, certain trading-related assets and liabilities, deposits, borrowings\nand derivatives. Hedging instruments used to mitigate these risks include\nderivatives such as options, futures, forwards and swaps.\nForeign Exchange Risk\nForeign Exchange Risk\nForeign exchange risk represents exposures to changes in the values of\ncurrent holdings and future cash flows denominated in currencies other than\nthe U.S. dollar. The types of instruments exposed to this risk include\ninvestments in non-U.S. subsidiaries, foreign currency-denominated loans\nand securities, future cash flows in foreign currencies arising from foreign\nexchange transactions, foreign currency-denominated debt and various\nforeign exchange derivatives whose values fluctuate with changes in the level\nor volatility of currency exchange rates or non-U.S. interest rates. Hedging\ninstruments used to mitigate this risk include foreign exchange options,\ncurrency swaps, futures, forwards, and foreign currency-denominated debt\nand deposits.\nMortgage Risk\nMortgage Risk\nMortgage risk represents exposures to changes in the values of mortgage-\nrelated instruments. The values of these instruments are sensitive to\nprepayment rates, mortgage rates, agency debt ratings, default, market\nliquidity, government participation and interest rate volatility. Our exposure to\nthese instruments takes several forms.", "27f4c08d-b0a8-4b4b-bea4-c41c94c60a04": "dollar. The types of instruments exposed to this risk include\ninvestments in non-U.S. subsidiaries, foreign currency-denominated loans\nand securities, future cash flows in foreign currencies arising from foreign\nexchange transactions, foreign currency-denominated debt and various\nforeign exchange derivatives whose values fluctuate with changes in the level\nor volatility of currency exchange rates or non-U.S. interest rates. Hedging\ninstruments used to mitigate this risk include foreign exchange options,\ncurrency swaps, futures, forwards, and foreign currency-denominated debt\nand deposits.\nMortgage Risk\nMortgage Risk\nMortgage risk represents exposures to changes in the values of mortgage-\nrelated instruments. The values of these instruments are sensitive to\nprepayment rates, mortgage rates, agency debt ratings, default, market\nliquidity, government participation and interest rate volatility. Our exposure to\nthese instruments takes several forms. For example, we trade and engage in\nmarket-making activities in a variety of mortgage securities including whole\nloans, pass-through certificates, commercial mortgages and collateralized\nmortgage obligations including collateralized debt obligations using\nmortgages as underlying collateral. In addition, we originate a variety of MBS,\nwhich involves the accumulation of mortgage-related loans in anticipation of\neventual securitization, and we may hold positions in mortgage securities and\nresidential mortgage loans as part of the ALM portfolio. We also record MSRs\nas part of our mortgage origination activities. Hedging instruments used to\nmitigate this risk include derivatives such as options, swaps, futures and\nforwards as well as securities including MBS and U.S. Treasury securities. For\nmore information, see Mortgage Banking Risk Management on page 79.\nEquity Market Risk\nEquity Market Risk\nEquity market risk represents exposures to securities that represent an\nownership interest in a corporation in the form of domestic and foreign\ncommon stock or other equity-linked instruments. Instruments that would lead\nto this exposure include, but are not limited to, the following: common stock,\nexchange-traded funds, American Depositary Receipts, convertible bonds,\nlisted equity options (puts and calls), OTC equity options, equity total return\nswaps, equity index futures and other equity derivative products. Hedging\ninstruments used to mitigate this risk include options, futures, swaps,\nconvertible bonds and cash positions.\nCommodity Risk\nCommodity Risk\nCommodity risk represents exposures to instruments traded in the petroleum,\nnatural gas, power and metals markets. These instruments consist primarily\nof futures, forwards, swaps and options. Hedging instruments used to\nmitigate this risk include options, futures and swaps in the same or similar\ncommodity product, as well as cash positions.\n73\n73\n \nBank of America", "839f3691-38e7-40e5-b7b0-806e25a0c78a": "Issuer Credit Risk\nIssuer Credit Risk\nIssuer credit risk represents exposures to changes in the creditworthiness of\nindividual issuers or groups of issuers. Our portfolio is exposed to issuer\ncredit risk where the value of an asset may be adversely impacted by changes\nin the levels of credit spreads, by credit migration or by defaults. Hedging\ninstruments used to mitigate this risk include bonds, CDS and other credit\nfixed-income instruments.\nMarket Liquidity Risk\nMarket Liquidity Risk\nMarket liquidity risk represents the risk that the level of expected market activity\nchanges dramatically and, in certain cases, may even cease. This exposes us\nto the risk that we will not be able to transact business and execute trades in\nan orderly manner which may impact our results. This impact could be further\nexacerbated if expected hedging or pricing correlations are compromised by\ndisproportionate demand or lack of demand for certain instruments. We utilize\nvarious risk mitigating techniques as discussed in more detail in Trading Risk\nManagement.\nTrading Risk Management\nTrading Risk Management\nTo evaluate risks in our trading activities, we focus on the actual and potential\nvolatility of revenues generated by individual positions as well as portfolios of\npositions. Various techniques and procedures are utilized to enable the most\ncomplete understanding of these risks. Quantitative measures of market risk\nare evaluated on a daily basis from a single position to the portfolio of the\nCorporation. These measures include sensitivities of positions to various\nmarket risk factors, such as the potential impact on revenue from a one basis\npoint change in interest rates, and statistical measures utilizing both actual\nand hypothetical market moves, such as VaR and stress testing. Periods of\nextreme market stress influence the reliability of these techniques to varying\ndegrees. Qualitative evaluations of market risk utilize the suite of quantitative\nrisk measures while understanding each of their respective limitations.\nAdditionally, risk managers independently evaluate the risk of the portfolios\nunder the current market environment and potential future environments.\nVaR is a common statistic used to measure market risk as it allows the\naggregation of market risk factors, including the effects of portfolio\ndiversification. A VaR model simulates the value of a portfolio under a range of\nscenarios in order to generate a distribution of potential gains and losses.\nVaR represents the loss a portfolio is not expected to exceed more than a\ncertain number of times per period, based on a specified holding period,\nconfidence level and window of historical data. We use one VaR model\nconsistently across the trading portfolios and it uses a historical simulation\napproach based on a three-year window of historical data. Our primary VaR\nstatistic is equivalent to a 99 percent confidence level, which means that for a\nVaR with a one-day holding period, there should not be losses in excess of\nVaR, on average, 99 out of 100 trading days.\nWithin any VaR model, there are significant and numerous assumptions\nthat will differ from company to company. The accuracy of a VaR model\ndepends on the availability and quality of historical data for each of the risk\nfactors in the portfolio. A VaR model may require additional modeling\nassumptions for new products that do not have the necessary historical\nmarket data or for less liquid positions for which accurate daily prices are not\nconsistently available. For positions with insufficient historical data for the VaR\ncalculation, the process for establishing an appropriate proxy is based on\nfundamental and\nstatistical analysis of the new product or less liquid position. This analysis\nidentifies reasonable alternatives that replicate both the expected volatility and\ncorrelation to other market risk factors that the missing data would be\nexpected to experience.\nVaR may not be indicative of realized revenue volatility as changes in market\nconditions or in the composition of the portfolio can have a material impact on\nthe results. In particular, the historical data used for the VaR calculation might\nindicate higher or lower levels of portfolio diversification than will be\nexperienced. In order for the VaR model to reflect current market conditions,\nwe update the historical data underlying our VaR model on a weekly basis, or\nmore frequently during periods of market stress, and regularly review the\nassumptions underlying the model. A minor portion of risks related to our\ntrading positions is not included in VaR. These risks are reviewed as part of\nour ICAAP. For more information regarding ICAAP, see Capital Management\non page 47.\nGRM continually reviews, evaluates and enhances our VaR model so that it\nreflects the material risks in our trading portfolio.", "1090dc70-85fa-40d9-8480-dcd3d9abb384": "VaR may not be indicative of realized revenue volatility as changes in market\nconditions or in the composition of the portfolio can have a material impact on\nthe results. In particular, the historical data used for the VaR calculation might\nindicate higher or lower levels of portfolio diversification than will be\nexperienced. In order for the VaR model to reflect current market conditions,\nwe update the historical data underlying our VaR model on a weekly basis, or\nmore frequently during periods of market stress, and regularly review the\nassumptions underlying the model. A minor portion of risks related to our\ntrading positions is not included in VaR. These risks are reviewed as part of\nour ICAAP. For more information regarding ICAAP, see Capital Management\non page 47.\nGRM continually reviews, evaluates and enhances our VaR model so that it\nreflects the material risks in our trading portfolio. Changes to the VaR model\nare reviewed and approved prior to implementation and any material changes\nare reported to management through the appropriate management\ncommittees.\nTrading limits on quantitative risk measures, including VaR, are\nindependently set by\n Global Markets\n Risk Management and reviewed on a\nregular basis so that trading limits remain relevant and within our overall risk\nappetite for market risks. Trading limits are reviewed in the context of market\nliquidity, volatility and strategic business priorities. Trading limits are set at\nboth a granular level to allow for extensive coverage of risks as well as at\naggregated portfolios to account for correlations among risk factors. All trading\nlimits are approved at least annually. Approved trading limits are stored and\ntracked in a centralized limits management system. Trading limit excesses\nare communicated to management for review. Certain quantitative market risk\nmeasures and corresponding limits have been identified as critical in the\nCorporation\u2019s Risk Appetite Statement. These risk appetite limits are reported\non a daily basis and are approved at least annually by the ERC and the Board.\nIn periods of market stress, \nGlobal Markets\n senior leadership\ncommunicates daily to discuss losses, key risk positions and any limit\nexcesses. As a result of this process, the businesses may selectively reduce\nrisk.\nTable 41 presents the total market-based portfolio VaR, which is the\ncombination of the total covered positions (and less liquid trading positions)\nportfolio and the fair value option portfolio. Covered positions are defined by\nregulatory standards as trading assets and liabilities, both on- and off-balance\nsheet, that meet a defined set of specifications. These specifications identify\nthe most liquid trading positions which are intended to be held for a short-term\nhorizon and where we are able to hedge the material risk elements in a two-\nway market. Positions in less liquid markets, or where there are restrictions on\nthe ability to trade the positions, typically do not qualify as covered positions.\nForeign exchange and commodity positions are always considered covered\npositions, except for structural foreign currency positions that are excluded with\nprior regulatory approval.\nIn addition, Table 41 presents the VaR for the fair value option portfolio,\nwhich includes substantially all of the funded and unfunded exposures for\nwhich we elect the fair value option, and their corresponding hedges. Market\nrisk VaR for trading activities, as presented in Table 41, differs from VaR used\nfor regulatory capital calculations due to the holding period used.\nBank of America \n74\n74", "368ac773-d2dc-42df-b4cd-aa2b315f6102": "The holding period for VaR used for regulatory capital calculations is 10 days,\nwhile for the market risk VaR presented below, it is one day. Both measures\nutilize the same process and methodology.\nThe total market-based portfolio VaR results in Table 41 include market\nrisk to which we are exposed from all business segments, excluding credit\nvaluation adjustment (CVA), DVA and related hedges. The majority of this\nportfolio is within the \nGlobal Markets\n segment.\nTable 41 presents year-end, average, high and low daily trading VaR for\n2023 and 2022 using a 99 percent confidence level. The amounts disclosed in\nTable 41 and Table 42 align to\nthe view of covered positions used in the Basel 3 capital calculations. Foreign\nexchange and commodity positions are always considered covered positions,\nregardless of trading or banking treatment for the trade, except for structural\nforeign currency positions that are excluded with prior regulatory approval.\nThe annual average of total covered positions and less liquid trading\npositions portfolio VaR for 2023 decreased compared to 2022, primarily due to\nthe roll off of March 2020 market volatility from the window of historical data\nused in the calibration of the VaR model.\nTable 41\nTable 41\nMarket Risk VaR for Trading Activities\nMarket Risk VaR for Trading Activities\n2023\n2022\n(Dollars in millions)\nYear\nYear\nEnd\nEnd\nAverage\nAverage\nHigh\nHigh\nLow\nLow\nYear\nEnd\nAverage\nHigh\nLow\nForeign exchange\n$\n$\n29\n29\n \n$\n$\n29\n29\n \n$\n$\n43\n43\n \n$\n$\n12\n12\n \n$\n38 \n$\n21 \n$\n39 \n$\n12 \nInterest rate\n51\n51\n \n48\n48\n \n86\n86\n \n32\n32\n \n36 \n36 \n56 \n24 \nCredit\n53\n53\n \n60\n60\n \n108\n108\n \n43\n43\n \n76 \n71 \n106 \n52 \nEquity\n9\n9\n \n18\n18\n \n56\n56\n \n9\n9\n \n18 \n20 \n33 \n12 \nCommodities\n9\n9\n \n9\n9\n \n14\n14\n \n6\n6\n \n8 \n13 \n27 \n7 \nPortfolio diversification\n(90)\n(90)\n(100)\n(100)\nn/a\nn/a\n(81)\n(91)\nn/a\nn/a\nTotal covered positions portfolio\nTotal covered positions portfolio\n61\n61\n \n64\n \n92\n92\n \n41\n41\n \n95 \n70 \n140 \n42 \nImpact from less liquid exposures \n12\n12\n \n20\n20\n \nn/a\nn/a\n35 \n38 \nn/a\nn/a\nTotal covered positions and less liquid trading positions portfolio\nTotal covered positions and less liquid trading positions portfolio\n73\n \n84\n \n149\n149\n \n52\n52\n \n130 \n108 \n236 \n61 \nFair value option loans\n16\n16\n \n25\n25\n \n49\n49\n \n14\n14\n \n48 \n51 \n65 \n37 \nFair value option hedges\n11\n11\n \n14\n14\n \n20\n20\n \n9\n9\n \n16 \n17 \n24 \n13 \nFair value option portfolio diversification\n(12)\n(12)\n(23)\n(23)\nn/a\nn/a\n(38)\n(36)\nn/a\nn/a\nTotal fair value option portfolio\nTotal fair value option portfolio\n15\n \n16\n \n30\n30\n \n10\n10\n \n26 \n32 \n44 \n23 \nPortfolio diversification\n(9)\n(9)\n(8)\n(8)\nn/a\nn/a\n9 \n(11)\nn/a\nn/a\nTotal market-based portfolio\nTotal market-based portfolio\n$\n79\n \n$\n92\n \n173\n173\n \n58\n58\n \n$\n165 \n$\n129 \n287 \n70 \nThe high and low for each portfolio may have occurred on different trading days than the high and low for the components. Therefore the impact from less liquid exposures and the amount of portfolio diversification, which is the difference between the total portfolio\nand the sum of the individual components, is not relevant.\nImpact is net of diversification effects between the covered positions and less liquid trading positions portfolios.\nn/a = not applicable\nThe following graph presents the daily covered positions and less liquid trading positions portfolio VaR for 2023, corresponding to the data in Table 41.\nUpdated Chart for 10K - Final (002).jpg\n (1)\n (1)\n (1)\n (1)\n (1)\n (1)\n(2)\n(1)\n(2)\n75\n75\n \nBank of America", "bfc66001-4ef8-4e39-9aff-65326e4f1cc0": "Additional VaR statistics produced within our single VaR model are provided in Table 42 at the same level of detail as in Table 41. Evaluating VaR with\nadditional statistics allows for an increased understanding of the risks in the portfolio, as the historical market data used in the VaR calculation does not\nnecessarily follow a predefined statistical distribution. Table 42 presents average trading VaR statistics at 99 percent and 95 percent confidence levels for 2023\nand 2022.\nTable 42\nTable 42\nAverage Market Risk VaR for Trading Activities \u2013 99 percent and 95 percent VaR Statistics\nAverage Market Risk VaR for Trading Activities \u2013 99 percent and 95 percent VaR Statistics\nDecember 31, 2023\nDecember 31, 2022\n(Dollars in millions)\n99 percent\n99 percent\n95 percent\n95 percent\n99 percent\n95 percent\nForeign exchange\n$\n$\n29\n29\n \n$\n$\n19\n19\n \n$\n21 \n$\n12 \nInterest rate\n48\n48\n \n26\n26\n \n36 \n17 \nCredit\n60\n60\n \n30\n30\n \n71 \n28 \nEquity\n18\n18\n \n8\n8\n \n20 \n11 \nCommodities\n9\n9\n \n5\n5\n \n13 \n7 \nPortfolio diversification\n(100)\n(100)\n(54)\n(54)\n(91)\n(46)\nTotal covered positions portfolio\nTotal covered positions portfolio\n64\n64\n \n34\n34\n \n70 \n29 \nImpact from less liquid exposures\n20\n20\n \n7\n7\n \n38 \n7 \nTotal covered positions and less liquid trading positions portfolio\nTotal covered positions and less liquid trading positions portfolio\n84\n84\n \n41\n41\n \n108 \n36 \nFair value option loans\n25\n25\n \n12\n12\n \n51 \n14 \nFair value option hedges\n14\n14\n \n9\n9\n \n17 \n10 \nFair value option portfolio diversification\n(23)\n(23)\n(13)\n(13)\n(36)\n(13)\nTotal fair value option portfolio\nTotal fair value option portfolio\n16\n16\n \n8\n8\n \n32 \n11 \nPortfolio diversification\n(8)\n(8)\n(5)\n(5)\n(11)\n(7)\nTotal market-based portfolio\nTotal market-based portfolio\n$\n$\n92\n92\n \n$\n$\n44\n44\n \n$\n129 \n$\n40 \nBacktesting\nBacktesting\nThe accuracy of the VaR methodology is evaluated by backtesting, which\ncompares the daily VaR results, utilizing a one-day holding period, against a\ncomparable subset of trading revenue. A backtesting excess occurs when a\ntrading loss exceeds the VaR for the corresponding day. These excesses are\nevaluated to understand the positions and market moves that produced the\ntrading loss with a goal to help confirm that the VaR methodology accurately\nrepresents those losses. We expect the frequency of trading losses in excess\nof VaR to be in line with the confidence level of the VaR statistic being tested.\nFor example, with a 99 percent confidence level, we expect one trading loss in\nexcess of VaR every 100 days or between two to three trading losses in\nexcess of VaR over the course of a year. The number of backtesting excesses\nobserved can differ from the statistically expected number of excesses if the\ncurrent level of market volatility is materially different than the level of market\nvolatility that existed during the three years of historical data used in the VaR\ncalculation.\nThe trading revenue used for backtesting is defined by regulatory agencies\nin order to most closely align with the VaR component of the regulatory capital\ncalculation. This revenue differs from total trading-related revenue in that it\nexcludes revenue from trading activities that either do not generate market risk\nor the market risk cannot be included in VaR. Some examples of the types of\nrevenue excluded for backtesting are fees, commissions, reserves, net\ninterest income and intra-day trading revenues.\nWe conduct daily backtesting on the VaR results used for regulatory capital\ncalculations as well as the VaR results for key legal \nentities, \nregions \nand \nrisk\nfactors. \nThese \nresults \nare\nreported to senior market risk management. Senior management regularly\nreviews and evaluates the results of these tests.\nDuring 2023, there were no days where this subset of trading revenue had\nlosses that exceeded our total covered portfolio VaR, utilizing a one-day\nholding period.", "b61b5364-9858-4ba4-b549-f2df98a9206b": "This revenue differs from total trading-related revenue in that it\nexcludes revenue from trading activities that either do not generate market risk\nor the market risk cannot be included in VaR. Some examples of the types of\nrevenue excluded for backtesting are fees, commissions, reserves, net\ninterest income and intra-day trading revenues.\nWe conduct daily backtesting on the VaR results used for regulatory capital\ncalculations as well as the VaR results for key legal \nentities, \nregions \nand \nrisk\nfactors. \nThese \nresults \nare\nreported to senior market risk management. Senior management regularly\nreviews and evaluates the results of these tests.\nDuring 2023, there were no days where this subset of trading revenue had\nlosses that exceeded our total covered portfolio VaR, utilizing a one-day\nholding period.\nTotal Trading-related Revenue\nTotal Trading-related Revenue\nTotal trading-related revenue, excluding brokerage fees, and CVA, DVA and\nfunding valuation adjustment gains (losses), represents the total amount\nearned from trading positions, including market-based net interest income,\nwhich are taken in a diverse range of financial instruments and markets. For\nmore information on fair value, see \nNote 20 \u2013 Fair Value Measurements\n to the\nConsolidated Financial Statements. Trading-related revenue can be volatile\nand is largely driven by general market conditions and customer demand.\nAlso, trading-related revenue is dependent on the volume and type of\ntransactions, the level of risk assumed, and the volatility of price and rate\nmovements at any given time within the ever-changing market environment.\nSignificant daily revenue by business is monitored and the primary drivers of\nthese are reviewed.\nThe following histogram is a graphic depiction of trading volatility and\nillustrates the daily level of trading-related revenue for 2023 and 2022. During\n2023, positive trading-related revenue was recorded for 100 percent of the\ntrading days, of which 93 percent were daily trading gains of over $25 million.\nThis compares to 2022 where positive trading-related revenue was recorded\nfor 99 percent of the trading days, of which 90 percent were daily trading gains\nof over $25 million, and the largest loss was $9 million.\nBank of America \n76\n76", "aa916382-945a-4fad-8b9d-b2272f3c8c73": "Histogram 2023 10K.jpg\nTrading Portfolio Stress Testing\nTrading Portfolio Stress Testing\nBecause the very nature of a VaR model suggests results can exceed our\nestimates and it is dependent on a limited historical window, we also stress\ntest our portfolio using scenario analysis. This analysis estimates the change\nin the value of our trading portfolio that may result from abnormal market\nmovements.\nA set of scenarios, categorized as either historical or hypothetical, are\ncomputed daily for the overall trading portfolio and individual businesses.\nThese scenarios include shocks to underlying market risk factors that may be\nwell beyond the shocks found in the historical data used to calculate VaR.\nHistorical scenarios simulate the impact of the market moves that occurred\nduring a period of extended historical market stress. Generally, a multi-week\nperiod representing the most severe point during a crisis is selected for each\nhistorical scenario. Hypothetical scenarios provide estimated portfolio impacts\nfrom potential future market stress events. Scenarios are reviewed and\nupdated in response to changing positions and new economic or political\ninformation. In addition, new or ad hoc scenarios are developed to address\nspecific potential market events or particular vulnerabilities in the portfolio. The\nstress tests are reviewed on a regular basis and the results are presented to\nsenior management.\nStress testing for the trading portfolio is integrated with enterprise-wide\nstress testing and incorporated into the limits framework. The macroeconomic\nscenarios used for enterprise-wide stress testing purposes differ from the\ntypical trading portfolio scenarios in that they have a longer time horizon and\nthe results are forecasted over multiple periods for use in consolidated capital\nand liquidity planning. For more information, see Managing Risk on page 44.\nInterest Rate Risk Management for the Banking Book\nInterest Rate Risk Management for the Banking Book\nThe following discussion presents net interest income for banking book\nactivities.\nInterest rate risk represents the most significant market risk exposure to\nour banking book balance sheet. Interest rate risk is measured as the\npotential change in net interest income caused by movements in market\ninterest rates. Client-facing\nactivities, primarily lending and deposit-taking, create interest rate sensitive\npositions on our balance sheet.\nWe prepare forward-looking forecasts of net interest income. The baseline\nforecast takes into consideration expected future business growth, ALM\npositioning and the future direction of interest rate movements as implied by\nmarket-based forward curves.\nWe then measure and evaluate the impact that alternative interest rate\nscenarios have on the baseline forecast in order to assess interest rate\nsensitivity under varied conditions. The net interest income forecast is\nfrequently updated for changing assumptions and differing outlooks based on\neconomic trends, market conditions and business strategies. Thus, we\ncontinually monitor our banking book balance sheet position in order to\nmaintain an acceptable level of exposure to interest rate changes.\nThe interest rate scenarios that we analyze incorporate balance sheet\nassumptions such as loan and deposit growth and pricing, changes in\nfunding mix, product repricing, maturity characteristics and investment\nsecurities premium amortization. Our overall goal is to manage interest rate\nrisk so that movements in interest rates do not significantly adversely affect\nearnings and capital.\nTable 43 presents the spot and 12-month forward rates used in our\nbaseline forecasts at December 31, 2023 and 2022.\nTable 43\nTable 43\nForward Rates\nForward Rates\nDecember 31, 2023\nDecember 31, 2023\n \nFederal\nFederal\nFunds\nFunds\nSOFR \nSOFR \n10-Year\n10-Year\nSOFR \nSOFR \nSpot rates\n5.50\n5.50\n \n%\n%\n5.38\n5.38\n \n%\n%\n3.47\n3.47\n \n%\n%\n12-month forward rates\n3.89\n3.89\n \n3.93\n3.93\n \n3.32\n3.32\n \nDecember 31, 2022\nFederal\nFunds\nThree-month\nLIBOR\n10-Year\nSwap\nSpot rates\n4.50 \n%\n4.77 \n%\n3.84 \n%\n12-month forward rates\n4.75 \n4.78 \n3.62 \nThe Corporation uses SOFR in its baseline forecast as one of the primary alternative reference rates used as a result of the\ncessation of LIBOR in 2023.\nTable 44 shows the pretax impact to forecasted net interest income over\nthe next 12 months from December 31, 2023 and\n(1)\n(1)\n(1)\n(1)\n(1) \n77\n77\n \nBank of America", "6c800731-b368-4b32-8309-571356ce6be7": "2022 resulting from instantaneous parallel and non-parallel shocks to the\nmarket-based forward curve. Periodically, we evaluate the scenarios\npresented so that they are meaningful in the context of the current rate\nenvironment. The interest rate scenarios also assume U.S. dollar interest\nrates are floored at zero.\nDuring 2023, the overall decrease in asset sensitivity of our balance sheet\nto higher and lower rate scenarios was primarily due to changes in deposit\nproduct mix and ALM portfolio activity. We continue to be asset sensitive to a\nparallel upward move in interest rates with the majority of that impact coming\nfrom the short end of the yield curve. Additionally, higher interest rates\nnegatively impact the fair value of our debt securities classified as available for\nsale and adversely affect accumulated OCI and thus capital levels under the\nBasel 3 capital rules. Under instantaneous upward parallel shifts, the near-\nterm adverse impact to Basel 3 capital would be reduced over time by\noffsetting positive impacts to net interest income generated from the banking\nbook activities. For more information on Basel 3, see Capital Management \u2013\nRegulatory Capital on page 48.\nTable 44\nTable 44\nEstimated Banking Book Net Interest Income\nEstimated Banking Book Net Interest Income\nSensitivity to Curve Changes\nSensitivity to Curve Changes\nShort \nRate\n(bps)\nLong \nRate (bps)\nDecember 31\n(Dollars in millions)\n2023\n2022\nParallel Shifts\n+100 bps\ninstantaneous shift\n+100\n+100\n$\n$\n3,476\n3,476\n \n$\n3,829 \n -100 bps\n instantaneous shift\n-100\n-100\n(3,077)\n(3,077)\n(4,591)\nFlatteners\n \n \nShort-end\ninstantaneous change\n+100\n\u2014 \n3,242\n3,242\n \n3,698 \nLong-end\ninstantaneous change\n\u2014 \n-100\n(257)\n(257)\n(157)\nSteepeners\n \n \nShort-end\ninstantaneous change\n-100 \n\u2014 \n(2,773)\n(2,773)\n(4,420)\nLong-end\ninstantaneous change\n\u2014 \n+100\n272\n272\n \n131 \nThe sensitivity analysis in Table 44 assumes that we take no action in\nresponse to these rate shocks and does not assume any change in other\nmacroeconomic variables normally correlated with changes in interest rates.\nAs part of our ALM activities, we use securities, certain residential mortgages,\nand interest rate and foreign exchange derivatives in managing interest rate\nsensitivity.\nThe behavior of our deposit portfolio in the baseline forecast and in\nalternate interest rate scenarios is a key assumption in our projected\nestimates of net interest income. The sensitivity analysis in Table 44 assumes\nno change in deposit portfolio size or mix from the baseline forecast in\nalternate rate environments. In higher rate scenarios, the increase in net\ninterest income would be impacted by any customer activity resulting in the\nreplacement of low-cost or noninterest-bearing deposits with higher yielding\ndeposits or market-based funding, as our benefit in those scenarios would be\nreduced. Conversely, in lower-rate scenarios, any customer activity that results\nin the replacement of higher yielding deposits or market-based funding with\nlow-cost or noninterest-bearing deposits would reduce our exposure in those\nscenarios.\nFor interest rate scenarios larger than 100 bps shifts, it is expected that the\ninterest rate sensitivity will illustrate non-linear behaviors as there are\nnumerous estimates and\nassumptions, which require a high degree of judgment and are often\ninterrelated, that could impact the outcome. Pertaining to the mortgage-backed\nsecurities and residential mortgage portfolio, if long-end interest rates were to\nsignificantly decrease over the next twelve months, for example over 200 bps,\nthere would generally be an increase in customer prepayment behaviors with\nan incremental reduction to net interest income, noting that the extent of\nchanges in customer prepayment activity can be impacted by multiple factors\nand is not necessarily limited to long-end interest rates. Conversely, if long-\nend interest rates were to significantly increase over the next twelve months,\nfor example, over 200 bps, customer prepayments would likely modestly\ndecrease and result in an incremental increase to net interest income. In\naddition, deposit pricing will have non-linear impacts to larger short-end rate\nmovements. In decreasing interest rate scenarios, and particularly where\ninterest rates have decreased to small amounts, the ability to further reduce\nrates paid is reduced as customer rates near zero.", "d6d3adec-1225-4753-811f-e7b08e3eb3bb": "Pertaining to the mortgage-backed\nsecurities and residential mortgage portfolio, if long-end interest rates were to\nsignificantly decrease over the next twelve months, for example over 200 bps,\nthere would generally be an increase in customer prepayment behaviors with\nan incremental reduction to net interest income, noting that the extent of\nchanges in customer prepayment activity can be impacted by multiple factors\nand is not necessarily limited to long-end interest rates. Conversely, if long-\nend interest rates were to significantly increase over the next twelve months,\nfor example, over 200 bps, customer prepayments would likely modestly\ndecrease and result in an incremental increase to net interest income. In\naddition, deposit pricing will have non-linear impacts to larger short-end rate\nmovements. In decreasing interest rate scenarios, and particularly where\ninterest rates have decreased to small amounts, the ability to further reduce\nrates paid is reduced as customer rates near zero. In higher short-end rate\nscenarios, deposit pricing will likely increase at a faster rate, leading to\nincremental interest expense and reducing asset sensitivity. While the impact\nrelated to the above assumptions used in the asset sensitivity analysis can\nprovide directional analysis on how net interest income will be impacted in\nchanging environments, the ultimate impact is dependent upon the\ninterrelationship of the assumptions and factors, which vary in different\nmacroeconomic scenarios.\nInterest Rate and Foreign Exchange Derivative Contracts\nInterest Rate and Foreign Exchange Derivative Contracts\nWe use interest rate and foreign exchange derivative contracts in our ALM\nactivities to manage our interest rate and foreign exchange risks. Specifically,\nwe use those derivatives to manage both the variability in cash flows and\nchanges in fair value of various assets and liabilities arising from those risks.\nOur interest rate derivative contracts are generally non-leveraged swaps tied to\nvarious benchmark interest rates and foreign exchange basis swaps, options,\nfutures and forwards, and our foreign exchange contracts include cross-\ncurrency interest rate swaps, foreign currency futures contracts, foreign\ncurrency forward contracts and options.\nThe derivatives used in our ALM activities can be split into two broad\ncategories: designated accounting hedges and other risk management\nderivatives. Designated accounting hedges are primarily used to manage our\nexposure to interest rates as described in the Interest Rate Risk Management\nfor the Banking Book section and are included in the sensitivities presented in\nTable 44. The Corporation also uses foreign currency derivatives in accounting\nhedges to manage substantially all of the foreign exchange risk of our foreign\noperations. By hedging the foreign exchange risk of our foreign operations, the\nCorporation's market risk exposure in this area is not significant.\nRisk management derivatives are predominantly used to hedge foreign\nexchange risks related to various foreign currency-denominated assets and\nliabilities and eliminate substantially all foreign currency exposures in the\ncash flows of the Corporation\u2019s non-trading foreign currency-denominated\nfinancial instruments. These foreign exchange derivatives are sensitive to\nother market risk exposures such as cross-currency basis spreads and\ninterest rate risk. However, as these features are not a significant component\nof these foreign exchange derivatives, the market risk related to this exposure\nis not significant. For more information on the accounting for derivatives, see\nNote 3 \u2013 Derivatives\n to the Consolidated Financial Statements.\nBank of America \n78\n78", "cf4e3e11-70f4-437e-b0bc-300cdfa9f151": "Mortgage Banking Risk Management\nMortgage Banking Risk Management\nWe originate, fund and service mortgage loans, which subject us to credit,\nliquidity and interest rate risks, among others. We determine whether loans\nwill be held for investment or held for sale at the time of commitment and\nmanage credit and liquidity risks by selling or securitizing a portion of the\nloans we originate.\nInterest rate risk and market risk can be substantial in the mortgage\nbusiness. Changes in interest rates and other market factors impact the\nvolume of mortgage originations. Changes in interest rates also impact the\nvalue of interest rate lock commitments (IRLCs) and the related residential\nfirst mortgage loans held-for-sale between the date of the IRLC and the date\nthe loans are sold to the secondary market. An increase in mortgage interest\nrates typically leads to a decrease in the value of these instruments.\nConversely, when there is an increase in interest rates, the value of the MSRs\nwill increase driven by lower prepayment expectations. Because the interest\nrate risks of these hedged items offset, we combine them into one overall\nhedged item with one combined economic hedge portfolio consisting of\nderivative contracts and securities.\nDuring 2023, 2022, and 2021 we recorded gains of $127 million, $78\nmillion and $39 million. For more information on MSRs, see \nNote 20 \u2013 Fair\nValue Measurements\n to the Consolidated Financial Statements.\nCompliance and Operational Risk Management\nCompliance and Operational Risk Management\nCompliance risk is the risk of legal or regulatory sanctions, material financial\nloss or damage to the reputation of the Corporation arising from the failure of\nthe Corporation to comply with the requirements of applicable laws, rules,\nregulations and our internal policies and procedures (collectively, applicable\nlaws, rules and regulations). We are subject to comprehensive regulation\nunder federal and state laws, rules and regulations in the U.S. and the laws of\nthe various jurisdictions in which we operate, including those related to\nfinancial crimes and anti-money laundering, market conduct, trading activities,\nfair lending, privacy, data protection and unfair, deceptive or abusive acts or\npractices.\nOperational risk is the risk of loss resulting from inadequate or failed\nprocesses or systems, people or external events, and includes legal risk.\nOperational risk may occur anywhere in the Corporation, including third-party\nbusiness processes, and is not limited to operations functions. The\nCorporation faces a number of key operational risks including third-party risk,\nmodel risk, conduct risk, technology risk, information security risk and data\nrisk. Operational risk can result in financial losses and reputational impacts\nand is a component in the calculation of total RWA used in the Basel 3 capital\ncalculation. For more information on Basel 3 calculations, see Capital\nManagement on page 47.\nFLUs and control functions are first and foremost responsible for\nmanaging all aspects of their businesses, including their compliance and\noperational risk. FLUs and control functions are required to understand their\nbusiness processes and related risks and controls, including third-party\ndependencies and the related regulatory requirements, and monitor and\nreport on the effectiveness of the control environment. In order to actively\nmonitor and assess the performance of their processes and controls, they\nmust conduct comprehensive quality assurance activities and identify issues\nand risks to remediate control gaps and weaknesses. FLUs and control\nfunctions must also adhere to compliance and operational risk appetite limits\nto meet strategic, capital and\nfinancial planning objectives. Finally, FLUs and control functions are\nresponsible for the proactive identification, management and escalation of\ncompliance and operational risks across the Corporation. Collectively, these\nefforts are important to strengthen their compliance and operational resiliency,\nwhich is the ability to deliver critical operations through disruption.\nGlobal Compliance and Operational Risk teams independently assess\ncompliance and operational risk, monitor business activities and processes\nand evaluate FLUs and control functions for adherence to applicable laws,\nrules and regulations, including identifying issues and risks, and reporting on\nthe state of the control environment. Corporate Audit provides an independent\nassessment and validation through testing of key compliance and operational\nrisk processes and controls across the Corporation.\nThe Corporation's Global Compliance \u2013 Enterprise Policy and Operational\nRisk Management \u2013 Enterprise Policy set the requirements for reporting\ncompliance and operational risk information to executive management as well\nas the Board or appropriate Board-level committees and reflect Global\nCompliance and Operational Risk\u2019s responsibilities for conducting\nindependent oversight of the Corporation\u2019s compliance and operational risk\nmanagement activities. The Board provides oversight of compliance risk\nthrough its Audit Committee and the ERC, and operational risk through its\nERC.", "1f870839-820d-4a4d-8a69-71c89899ee52": "Global Compliance and Operational Risk teams independently assess\ncompliance and operational risk, monitor business activities and processes\nand evaluate FLUs and control functions for adherence to applicable laws,\nrules and regulations, including identifying issues and risks, and reporting on\nthe state of the control environment. Corporate Audit provides an independent\nassessment and validation through testing of key compliance and operational\nrisk processes and controls across the Corporation.\nThe Corporation's Global Compliance \u2013 Enterprise Policy and Operational\nRisk Management \u2013 Enterprise Policy set the requirements for reporting\ncompliance and operational risk information to executive management as well\nas the Board or appropriate Board-level committees and reflect Global\nCompliance and Operational Risk\u2019s responsibilities for conducting\nindependent oversight of the Corporation\u2019s compliance and operational risk\nmanagement activities. The Board provides oversight of compliance risk\nthrough its Audit Committee and the ERC, and operational risk through its\nERC.\nCybersecurity\nCybersecurity\nRisk Management and Strategy\nRisk Management and Strategy\nCybersecurity is a key operational risk facing the Corporation. We, our\nemployees, customers, regulators and third parties are ongoing targets of an\nincreasing number of cybersecurity threats and cyberattacks and, accordingly,\nthe Corporation devotes considerable resources to the establishment and\nmaintenance of processes for assessing, identifying and managing\ncybersecurity risk through its global workforce and 24/7 cyber operations\ncenters around the world. The Corporation takes a cross-functional approach\nto addressing cybersecurity risk, with our Global Technology, Global Risk\nManagement, Legal and Corporate Audit functions playing key roles. In\naddition, the Corporation\u2019s processes related to cybersecurity risk are an\nelement of and integrated with the Corporation\u2019s comprehensive risk program,\nincluding our risk framework. For more information on the Corporation\u2019s\nCybersecurity risk, see Item 1A. Risk Factors \u2013 Business Operations\nbeginning on page 14. For more information on our approach to risk\nmanagement, including our risk management governance framework, see\nManaging Risk on page 44.\nAs part of the Corporation\u2019s overall risk management program, the\nCorporation\u2019s Global Information Security (GIS) Program is supported by three\nlines of defense. As the first line of defense, the GIS team is responsible for\nthe day-to-day management of the GIS Program, which includes defining\npolicies and procedures designed to safeguard the Corporation\u2019s information\nsystems and the information those systems collect, process, maintain, use,\nshare, disseminate and dispose of. As the second line of defense, Global\nCompliance and Operational Risk independently assesses, monitors and\ntests cybersecurity risk across the Corporation, as well as the effectiveness of\nthe GIS Program. As the third line of defense, Corporate Audit conducts\nadditional independent review and validation of the first-line and second-line\nprocesses and functions.\nThe Corporation seeks to mitigate cybersecurity risk and associated legal,\nfinancial, reputational, operational and/or regulatory risks by employing a\nmulti-faceted GIS Program,\n79\n79\n \nBank of America", "73872e08-aa8c-49eb-b96f-4ec1e748533b": "through various policies, procedures and playbooks, that are focused on\ngoverning, preparing for, identifying, preventing, detecting, mitigating,\nresponding to and recovering from cybersecurity threats and cybersecurity\nincidents suffered by the Corporation and its third-party service providers, as\nwell as effectively operating the Corporation\u2019s processes. Our business\ncontinuity policy, standards and procedures are designed to maintain the\navailability of business functions and enable impacted units within the\nCorporation and its third-party service providers to achieve strategic objectives\nin the event of a cybersecurity incident. In accordance with the Corporation\u2019s\ncyber incident response framework, GIS, including its incident response team,\ntracks, documents, responds to and analyzes cybersecurity threats and\ncybersecurity incidents, including those experienced by the Corporation\u2019s third-\nparty service providers that may impact the Corporation. Additionally, the\nCorporation has a process for assembling multi-stakeholder executive\nresponse teams to monitor and coordinate cross-functional responses to\ncertain cybersecurity incidents.\nAs part of the GIS Program, the Corporation leverages both internal and\nexternal assessments and partnerships with industry leaders. The\nCorporation engages third-party assessors, consultants, auditors and other\nthird-party professionals to evaluate and test its cybersecurity program and\nprovide guidance on operating and improving the GIS Program, including the\ndesign and operational effectiveness of the security and resiliency of our\ninformation systems.\nThe Corporation focuses on and has processes to oversee cybersecurity\nrisk associated with its third-party service providers. As part of its cybersecurity\nrisk management processes, the Corporation maintains an enterprise-wide\nprogram that defines standards for the planning, sourcing, management, and\noversight of third-party relationships and third-party access to its information\nsystem, facilities, and/or confidential or proprietary data. The Corporation has\nestablished security requirements applicable to third-party service providers,\nand where permitted by contract, cybersecurity diligence is conducted to\nassess the alignment of third-party service providers\u2019 cybersecurity programs\nwith the Corporation\u2019s cybersecurity requirements.\nWhile we and our third parties have experienced cybersecurity incidents, as\nwell as adverse impacts from such incidents, we have not experienced\nmaterial losses or other material consequences relating to cybersecurity\nincidents experienced by us or our third parties. However, we expect to\ncontinue to experience cybersecurity incidents resulting in adverse impacts\nwith increased frequency and severity due to the evolving threat environment,\nand there can be no assurance that future cybersecurity incidents, including\nincidents experienced by our third parties, will not have a material adverse\nimpact on the Corporation, including its business strategy, results of\noperations and/or financial condition.\nGovernance\nGovernance\nThrough established governance structures, the Corporation has policies,\nprocesses and practices to help facilitate oversight of cybersecurity risk. In\naccordance with these policies, processes and practices, the Corporation\u2019s\nthree lines of defense, and management, strive to prepare for, identify, prevent,\ndetect, mitigate, respond to and recover from cybersecurity threats and\nincidents, monitor performance, and escalate to executive management, the\ncommittees of the Corporation\u2019s Board and/or to the Board, as appropriate.\nAdditionally, GIS reports cybersecurity incidents that meet certain criteria to the\nLegal Department for further escalation and evaluation for materiality\nand potential disclosure, which includes the consideration of relevant\nquantitative and qualitative factors.\nThe Board is actively engaged in the oversight of the GIS Program and\ndevotes considerable time and attention to the oversight and mitigation of\ncybersecurity risk. The Board, which includes members with technology and\ncybersecurity experience, oversees management\u2019s approach to staffing,\npolicies, processes and practices to address cybersecurity risk. The Board\nand its ERC, which is responsible for reviewing cybersecurity risk, each\nreceive regular presentations, memoranda and reports throughout the year\nfrom our Chief Technology and Information Officer (CTIO) and our Chief\nInformation Security Officer (CISO) on internal and external cybersecurity\ndevelopments, threats and risks. On a quarterly basis, GIS sends the Board a\nmemorandum highlighting relevant cybersecurity developments and a\ndocument detailing the performance metrics for the GIS Program.\nThe Board receives prompt and timely information from management on\ncybersecurity incidents, including cybersecurity incidents experienced by the\nCorporation\u2019s third-party service providers, that may pose significant risk to the\nCorporation, and continues to receive regular reports on any such incidents\nuntil their conclusion. Additionally, the Board receives quarterly reports on the\nperformance of the Corporation\u2019s cybersecurity risk appetite metrics, including\nmetrics on vulnerabilities and third-party cybersecurity risks and incidents and\nis notified promptly if a Board-level cybersecurity risk limit is breached.", "5c649491-fea7-4678-8576-d71821e117a5": "On a quarterly basis, GIS sends the Board a\nmemorandum highlighting relevant cybersecurity developments and a\ndocument detailing the performance metrics for the GIS Program.\nThe Board receives prompt and timely information from management on\ncybersecurity incidents, including cybersecurity incidents experienced by the\nCorporation\u2019s third-party service providers, that may pose significant risk to the\nCorporation, and continues to receive regular reports on any such incidents\nuntil their conclusion. Additionally, the Board receives quarterly reports on the\nperformance of the Corporation\u2019s cybersecurity risk appetite metrics, including\nmetrics on vulnerabilities and third-party cybersecurity risks and incidents and\nis notified promptly if a Board-level cybersecurity risk limit is breached.\nOur ERC also annually reviews and approves our GIS Program and our\nInformation Security Policy, which establish administrative, technical, and\nphysical safeguards designed to protect the security, confidentiality and\nintegrity of customer records and information in accordance with the Gramm-\nLeach-Bliley Act and the interagency guidelines issued thereunder, and\napplicable laws globally.\nUnder the Board\u2019s oversight, management works closely with key\nstakeholders, including regulators, government agencies, law enforcement,\npeer institutions and industry groups, and develops and invests in talent and\ninnovative technology in order to better manage cybersecurity risk.\nOur most senior cybersecurity employees are the CTIO and CISO, who are\nprimarily responsible for managing and assessing cybersecurity risk. The\nCISO oversees a team of more than 3,000 information security professionals\nspanning the globe. The CISO and the GIS senior leadership team of ten\nindividuals have deep cybersecurity expertise, with over 100 years of collective\nexperience working in the cybersecurity field, both at the Corporation and other\ncompanies in various industries. Additionally, certain members of the GIS\nleadership team hold leadership roles in sector-specific information and\ninfrastructure security organizations, including the Financial Services\nInformation Sharing and Analysis Center and the Financial Services Sector\nCoordinating Council. Employees across the Corporation also play a role in\nprotecting the Corporation from cybersecurity threats and receive periodic\ntraining and education on cybersecurity-related topics.\nReputational Risk Management\nReputational Risk Management\nReputational risk is the risk that negative perception of the Corporation may\nadversely impact profitability or operations. Reputational risk may result from\nmany of the Corporation\u2019s activities, including those related to the\nmanagement of strategic, operational, compliance, liquidity, market (price and\ninterest rate) and credit risks.\nThe Corporation manages reputational risk through established policies\nand controls embedded throughout its\nBank of America \n80\n80", "f25b2220-0fef-480d-a016-1064f4b69e2f": "business and risk management processes. We proactively monitor and\nidentify potential reputational risk events and have processes established to\nmitigate reputational risks in a timely manner. If reputational risk events occur,\nwe focus on remediating the underlying issue and taking action to minimize\ndamage to the Corporation\u2019s reputation. The Corporation has processes and\nprocedures in place to respond to events that give rise to reputational risk,\nincluding educating individuals and organizations that influence public\nopinion, and implementing communication strategies to mitigate the risk. The\nCorporation\u2019s organization and governance structure provides oversight of\nreputational risks. Reputational risk reporting is provided regularly and directly\nto senior management and the ERC, which provides primary oversight of\nreputational risk. In addition, each FLU has a committee, which includes\nrepresentatives from Legal and Risk, that is responsible for the oversight of\nreputational risk, including approval for business activities that present\nelevated levels of reputational risks.\nClimate Risk\nClimate Risk\nClimate Risk Management\nClimate Risk Management\nClimate risk is the risk that climate change or actions taken to mitigate climate\nchange expose the Corporation to economic, operational or reputational harm.\nClimate-related risks are divided into two major categories, both of which span\nacross the seven key risk types discussed in Managing Risk on page 44: (1)\nPhysical Risk: risks related to the physical impacts of climate change, driven\nby extreme weather events such as hurricanes and floods, as well as chronic\nlonger-term shifts such as rising average global temperatures and sea levels,\nand (2) Transition Risk: risks related to the transition to a low-carbon\neconomy, which may entail extensive policy, legal, technology and market\nchanges.\nPhysical risks of climate change, such as more frequent and severe\nextreme weather events, can increase the Corporation\u2019s risks, including credit\nrisk by diminishing borrowers\u2019 repayment capacity or collateral values, and\noperational risk by negatively impacting the Corporation\u2019s facilities,\nemployees, or vendors. Transition risks of climate change may amplify credit\nrisks through the financial impacts of changes in policy, technology or the\nmarket on the Corporation or our counterparties. Unanticipated market\nchanges can lead to sudden price adjustments and give rise to heightened\nmarket risk. Reputational risk can arise if we do not meet our climate-related\ncommitments and/or goals, or are perceived to be inadequately responsive to\nclimate change or otherwise.\nOur approach to managing climate risk is consistent with our risk\nmanagement governance structure, from senior management to our Board\nand its committees, including the ERC and the Corporate Governance, ESG\nand Sustainability Committee (CGESC) of the Board, which regularly discuss\nclimate-related topics. The ERC oversees climate risk as set forth in our Risk\nFramework and Risk Appetite Statement. The CGESC is responsible for\noverseeing the Corporation\u2019s environmental and social sustainability-related\nactivities and practices, and regularly reviews the Corporation\u2019s climate-\nrelated work and policies. The Climate Risk Council consists of leaders\nacross risk, FLU and control functions, and meets routinely to discuss our\napproach to managing climate-related risks.\nOur climate risk management efforts are overseen by an officer who\nreports to the CRO. The Corporation \nhas a Climate and Environmental Risk\nManagement function that is responsible for overseeing climate risk\nmanagement. They are\nresponsible for establishing the Climate Risk Framework and governance\nstructure, and providing independent assessment and challenge of\nenterprise-wide climate risks.\nBased on the Corporation\u2019s Risk Framework, in 2023 we created our\ninternal Climate Risk Framework, which addresses how the Corporation\nidentifies, measures, monitors and controls climate risk by enhancing existing\nrisk management processes and also includes examples of how it manifests\nacross the seven risk types. It details the roles and responsibilities for climate\nrisk management across our three lines of defense as noted above.\nFor more information on our governance framework, see Managing Risk on\npage 44. For more information on climate risk, see Item 1A. Risk Factors on\npage 8.\nClimate-related Goals and Targets\nClimate-related Goals and Targets\nIn 2021, the Corporation committed to achieving net zero greenhouse gas\nemissions before 2050 in our financing activities, operations and supply chain\n(Net Zero goal), and in 2022, we released our Approach to Zero\n, a\nframework for how we plan to achieve our Net Zero goal.", "ab479c1f-1224-459b-86ee-9b508882d422": "Based on the Corporation\u2019s Risk Framework, in 2023 we created our\ninternal Climate Risk Framework, which addresses how the Corporation\nidentifies, measures, monitors and controls climate risk by enhancing existing\nrisk management processes and also includes examples of how it manifests\nacross the seven risk types. It details the roles and responsibilities for climate\nrisk management across our three lines of defense as noted above.\nFor more information on our governance framework, see Managing Risk on\npage 44. For more information on climate risk, see Item 1A. Risk Factors on\npage 8.\nClimate-related Goals and Targets\nClimate-related Goals and Targets\nIn 2021, the Corporation committed to achieving net zero greenhouse gas\nemissions before 2050 in our financing activities, operations and supply chain\n(Net Zero goal), and in 2022, we released our Approach to Zero\n, a\nframework for how we plan to achieve our Net Zero goal. In line with this\napproach, we have set interim 2030 targets across our financing activities\n(2030 Financing Activity Emissions Targets), operations and supply chain, all\nof which are further supported and complemented by our $1.5 trillion\nsustainable finance goal (which is aligned with the 17 UN Sustainable\nDevelopment Goals) of which $1 trillion is dedicated to supporting the\ntransition toward a low-carbon economy, including capital mobilized across\nclean energy sectors and tailored financial solutions for emerging areas of the\nlow-carbon economy. In particular, we announced 2030 Financing Activity\nEmissions Targets for auto manufacturing, aviation, cement, energy, and\npower generation sectors and expect to continue to set targets for other\nsectors that are significant contributors to global greenhouse gas emissions\nand therefore prioritized by us.\nAchieving our climate--related goals and targets, including our Net Zero\ngoal and 2030 Financing Activity Emissions Targets, may require\ntechnological advances, clearly defined roadmaps for industry sectors, better\nemissions data reporting, new standards and public policies, including those\nthat improve the cost of capital for the transition to a low-carbon economy, as\nwell as strong and active engagement with customers, suppliers, investors,\ngovernment officials and other stakeholders. Given the extended period of\nthese and other climate-related goals we have established, our initiatives have\nnot resulted in a significant effect on our results of operations or financial\nposition in the relevant periods presented herein.\nFor more information on climate-related matters and the Corporation\u2019s\nclimate-related goals and commitments, including plans to achieve its Net\nZero goal and 2030 Financing Activity Emissions Targets and progress on its\nsustainable finance goals, see the Corporation\u2019s website, including its 2023\nTask Force on Climate-related Financial Disclosures (TCFD) Report. The\ncontents of the Corporation\u2019s website, including the 2023 TCFD Report is not\nincorporated by reference into this Annual Report on Form 10-K.\nThe foregoing discussion and the statements on the Corporations\u2019\nwebsite, including in the 2023 TCFD Report regarding its goals and\ncommitments with respect to climate risk management, such as\nenvironmental transition considerations, contain \u201cforward-looking statements\u201d\nwithin the meaning of the Private Securities Litigation Reform Act of 1995.\nThese statements are not guarantees of future results or performance and\ninvolve certain known and unknown risks, uncertainties and assumptions that\nare difficult to predict and\nTM\n81\n81\n \nBank of America", "c8fc9bf3-6010-4d36-9b32-ae7f7c3a7f90": "are often beyond the Corporation\u2019s control. Actual outcomes and results may\ndiffer materially from those expressed in, or implied by, any of these forward-\nlooking statements.\nComplex Accounting Estimates\nComplex Accounting Estimates\nOur significant accounting principles, as described in \nNote 1 \u2013 Summary of\nSignificant Accounting Principles\n to the Consolidated Financial Statements,\nare essential in understanding the MD&A. Many of our significant accounting\nprinciples require complex judgments to estimate the values of assets and\nliabilities. We have procedures and processes in place to facilitate making\nthese judgments.\nThe more judgmental estimates are summarized in the following\ndiscussion. We have identified and described the development of the\nvariables most important in the estimation processes that involve\nmathematical models to derive the estimates. In many cases, there are\nnumerous alternative judgments that could be used in the process of\ndetermining the inputs to the models. Where alternatives exist, we have used\nthe factors that we believe represent the most reasonable value in developing\nthe inputs. Actual performance that differs from our estimates of the key\nvariables could materially impact our results of operations. Separate from the\npossible future impact to our results of operations from input and model\nvariables, the value of our lending portfolio and market-sensitive assets and\nliabilities may change subsequent to the balance sheet date, often\nsignificantly, due to the nature and magnitude of future credit and market\nconditions. Such credit and market conditions may change quickly and in\nunforeseen ways and the resulting volatility could have a significant, negative\neffect on future operating results. These fluctuations would not be indicative of\ndeficiencies in our models or inputs.\nAllowance for Credit Losses\nAllowance for Credit Losses\nThe allowance for credit losses includes the allowance for loan and lease\nlosses and the reserve for unfunded lending commitments. Our process for\ndetermining the allowance for credit losses is discussed in \nNote 1 \u2013\nSummary of Significant Accounting Principles\n and \nNote 5 \u2013 Outstanding Loans\nand Leases and Allowance for Credit Losses\n \nto the Consolidated Financial\nStatements.\nThe determination of the allowance for credit losses is based \non\nnumerous estimates \nand assumptions, which require a high degree of\njudgment and are often interrelated. A critical judgment in the process is the\nweighting of our forward-looking macroeconomic scenarios that are\nincorporated into our quantitative models. As any one economic outlook is\ninherently uncertain, the Corporation uses multiple macroeconomic scenarios\nin its ECL calculation, which have included a baseline\nscenario derived from consensus estimates, an adverse scenario reflecting\nan extended moderate recession, a downside scenario reflecting persistent\ninflation and interest rates above the baseline scenario, a tail risk scenario\nsimilar to the severely adverse scenario used in stress testing and an upside\nscenario that considers the potential for improvement above the baseline\nscenario. The overall economic outlook is weighted towards a recessionary\nenvironment in the first half of 2024, with lower gross domestic product (GDP)\ngrowth and higher unemployment rate expectations as compared to what we\nexperienced in the prior year. Generally, as the consensus estimates improve\nor deteriorate, the allowance for credit losses will change in a similar direction.\nThere are multiple variables that drive the macroeconomic scenarios with the\nkey variables including, but not limited to, U.S. GDP and unemployment rates.\nAs of December 31, 2022, the weighted macroeconomic outlook for the U.S.\naverage unemployment rate was forecasted at 5.6 percent, 5.0 percent and 4.5\npercent in the fourth quarters of 2023, 2024 and 2025, respectively, and the\nweighted macroeconomic outlook for U.S. GDP was forecasted to contract 0.4\npercent and grow 1.2 percent and 1.9 percent year-over-year in the fourth\nquarters of 2023, 2024 and 2025, respectively. As of December 31, 2023, the\nlatest consensus estimates for the U.S. average unemployment rate for the\nfourth quarter of 2023 was 3.9 percent and U.S. GDP was forecasted to grow\n2.6 percent year-over-year in the fourth quarter of 2023, reflecting a tighter labor\nmarket and healthy growth compared to our macroeconomic outlook as of\nDecember 31, 2022, and were factored into our \nallowance for credit losses\nestimate as of December 31, 2023. In addition, as of December 31, 2023, the\nweighted macroeconomic outlook for the U.S.", "0bc08266-6f68-47b9-bd79-57cab5d908a9": "GDP was forecasted to contract 0.4\npercent and grow 1.2 percent and 1.9 percent year-over-year in the fourth\nquarters of 2023, 2024 and 2025, respectively. As of December 31, 2023, the\nlatest consensus estimates for the U.S. average unemployment rate for the\nfourth quarter of 2023 was 3.9 percent and U.S. GDP was forecasted to grow\n2.6 percent year-over-year in the fourth quarter of 2023, reflecting a tighter labor\nmarket and healthy growth compared to our macroeconomic outlook as of\nDecember 31, 2022, and were factored into our \nallowance for credit losses\nestimate as of December 31, 2023. In addition, as of December 31, 2023, the\nweighted macroeconomic outlook for the U.S. average unemployment rate\nwas forecasted at 4.9 percent in the fourth quarters of both 2024 and 2025,\nand the weighted macroeconomic outlook for U.S. GDP was forecasted to\ngrow 0.3 percent and 1.4 percent year-over-year in the fourth quarters of \n2024\nand 2025.\nIn addition to the above judgments and estimates, the allowance for credit\nlosses can also be impacted by unanticipated changes in asset quality of the\nportfolio, such as increases or decreases in credit and/or internal risk ratings\nin our commercial portfolio, improvement or deterioration in borrower\ndelinquencies or credit scores in our credit card portfolio and increases or\ndecreases in home prices, which is a primary driver of LTVs, in our consumer\nreal estate portfolio, all of which have some degree of uncertainty. The\nallowance for credit losses increased to $14.6 billion from $14.2 billion at\nDecember 31, 2022, \nprimarily \ndue \nto \na \nreserve \nbuild \nin \nour\nBank of America \n82\n82", "d57c581f-afad-4913-8705-7366b31be832": "consumer portfolio driven by credit card loan growth and asset quality, partially\noffset by a reserve release in our commercial portfolio primarily driven by\nimproved macroeconomic conditions applicable to the commercial portfolio.\nTo provide an illustration of the sensitivity of the macroeconomic scenarios\nand other assumptions on the estimate of our allowance for credit losses, the\nCorporation compared the December 31, 2023 modeled ECL from the\nbaseline scenario and our adverse scenario. Relative to the baseline\nscenario, the adverse scenario assumed a peak U.S. unemployment rate of\nover two percentage points higher than the baseline scenario, a decline in\nU.S. GDP followed by a prolonged recovery and a lower home price outlook\nwith a difference of approximately 16 percent at the trough. This sensitivity\nanalysis resulted in a hypothetical increase in the allowance for credit losses\nof approximately $3.8 billion.\nWhile the sensitivity analysis may be useful to understand how changes in\nmacroeconomic assumptions could impact our modeled ECLs, it is not meant\nto forecast how our allowance for credit losses is expected to change in a\ndifferent macroeconomic outlook. \nImportantly, the analysis does not\nincorporate a variety of factors, including qualitative reserves and the weighting\nof alternate scenarios, which could have offsetting effects on the estimate.\nConsidering the variety of factors contemplated when developing and\nweighting macroeconomic outlooks such as recent economic events, leading\neconomic indicators, views of internal and third-party economists and industry\ntrends, in addition to other qualitative factors, the Corporation believes the\nallowance for credit losses at December 31, 2023 is appropriate.\nFair Value of Financial Instruments\nFair Value of Financial Instruments\nUnder applicable accounting standards, we are required to maximize the use\nof observable inputs and minimize the use of unobservable inputs in\nmeasuring fair value. We classify fair value measurements of financial\ninstruments and MSRs based on the three-level fair value hierarchy in the\naccounting standards.\nThe fair values of assets and liabilities may include adjustments, such as\nmarket liquidity and credit quality, where appropriate. Valuations of products\nusing models or other techniques are sensitive to assumptions used for the\nsignificant inputs. Where market data is available, the inputs used for valuation\nreflect that information as of our valuation date. Inputs to valuation models are\nconsidered unobservable if they are supported \nby \nlittle \nor \nno market activity. In\nperiods of extreme\nvolatility, lessened liquidity or in illiquid markets, there may be more variability\nin market pricing or a lack of market data to use in the valuation process. In\nkeeping with the prudent application of estimates and management judgment\nin determining the fair value of assets and liabilities, we have in place various\nprocesses and controls that include: a model validation policy that requires\nreview and approval of quantitative models used for deal pricing, financial\nstatement fair value determination and risk quantification; a trading product\nvaluation policy that requires verification of all traded product valuations; and a\nperiodic review and substantiation of daily profit and loss reporting for all\ntraded products. Primarily through validation controls, we utilize both broker\nand pricing service inputs which can and do include both market-observable\nand internally-modeled values and/or valuation inputs. Our reliance on this\ninformation is affected by our understanding of how the broker and/or pricing\nservice develops its data with a higher degree of reliance applied to those that\nare more directly observable and lesser reliance applied to those developed\nthrough their own internal modeling. For example, broker quotes in less active\nmarkets may only be indicative and therefore less reliable. These processes\nand controls are performed independently of the business. For more\ninformation, see \nNote 20 \u2013 Fair Value Measurements\n and \nNote 21 \u2013 Fair Value\nOption \nto the Consolidated Financial Statements.\nLevel 3 Assets and Liabilities\nLevel 3 Assets and Liabilities\nFinancial assets and liabilities, and MSRs, where values are based on\nvaluation techniques that require inputs that are both unobservable and are\nsignificant to the overall fair value measurement are classified as Level 3\nunder the fair value hierarchy established in applicable accounting standards.\nThe fair value of these Level 3 financial assets and liabilities and MSRs is\ndetermined using pricing models, discounted cash flow methodologies or\nsimilar techniques for which the determination of fair value requires significant\nmanagement judgment or estimation.\nLevel 3 financial instruments may be hedged with derivatives classified as\nLevel 1 or 2; therefore, gains or losses associated with Level 3 financial\ninstruments may be offset by gains or losses associated with financial\ninstruments classified in other levels of the fair value hierarchy.", "79173905-7259-46db-9e42-1de9e9c33972": "Level 3 Assets and Liabilities\nLevel 3 Assets and Liabilities\nFinancial assets and liabilities, and MSRs, where values are based on\nvaluation techniques that require inputs that are both unobservable and are\nsignificant to the overall fair value measurement are classified as Level 3\nunder the fair value hierarchy established in applicable accounting standards.\nThe fair value of these Level 3 financial assets and liabilities and MSRs is\ndetermined using pricing models, discounted cash flow methodologies or\nsimilar techniques for which the determination of fair value requires significant\nmanagement judgment or estimation.\nLevel 3 financial instruments may be hedged with derivatives classified as\nLevel 1 or 2; therefore, gains or losses associated with Level 3 financial\ninstruments may be offset by gains or losses associated with financial\ninstruments classified in other levels of the fair value hierarchy. The Level 3\ngains and losses recorded in earnings did not have a significant impact on\nour liquidity or capital. We conduct a review of our fair value hierarchy\nclassifications on a quarterly basis. Transfers into or out \nof \nLevel 3 \nare \nmade \nif\nthe \nsignificant inputs used in the\n83\n83\n \nBank of America", "b32a358a-79ff-467d-a030-30d8368778bc": "financial models measuring the fair values of the assets and liabilities\nbecame unobservable or observable, respectively, in the current marketplace.\nFor more information on transfers into and out of Level 3 during 2023, 2022\nand 2021, see \nNote 20 \u2013 Fair Value Measurements \nto the Consolidated\nFinancial Statements.\nAccrued Income Taxes and Deferred Tax Assets\nAccrued Income Taxes and Deferred Tax Assets\nAccrued income taxes, reported as a component of either other assets or\naccrued expenses and other liabilities on the Consolidated Balance Sheet,\nrepresent the net amount of current income taxes we expect to pay to or\nreceive from various taxing jurisdictions attributable to our operations to date.\nWe currently file income tax returns in more than 100 jurisdictions and\nconsider many factors, including statutory, judicial and regulatory guidance, in\nestimating the appropriate accrued income taxes for each jurisdiction.\nNet deferred tax assets, reported as a component of other assets on the\nConsolidated Balance Sheet, represent the net decrease in taxes expected to\nbe paid in the future because of net operating loss (NOL) and tax credit\ncarryforwards and because of future reversals of temporary differences in the\nbases of assets and liabilities as measured by tax laws and their bases as\nreported in the financial statements. NOL and tax credit carryforwards result in\nreductions to future tax liabilities, and many of these attributes can expire if not\nutilized within certain periods. We consider the need for valuation allowances\nto reduce net deferred tax assets to the amounts that we estimate are more\nlikely than not to be realized.\nConsistent with the applicable accounting guidance, we monitor relevant\ntax authorities and change our estimates of accrued income taxes and/or net\ndeferred tax assets due to changes in income tax laws and their interpretation\nby the courts and regulatory authorities. These revisions of our estimates,\nwhich also may result from our income tax planning and from the resolution of\nincome tax audit matters, may be material to our operating results for any\ngiven period.\nSee \nNote 19 \u2013 Income Taxes\n to the Consolidated Financial Statements for\na table of significant tax attributes and additional information. For more\ninformation, see page 17 under Item 1A. Risk Factors \u2013 Regulatory,\nCompliance and Legal.\nGoodwill and Intangible Assets\nGoodwill and Intangible Assets\nThe nature of and accounting for goodwill and intangible assets are\ndiscussed in \nNote 1 \u2013 Summary of Significant Accounting Principles\n and \nNote\n7 \u2013 Goodwill and Intangible Assets\n to the Consolidated Financial Statements.\nThe Corporation tests its goodwill for impairment on June 30 of each year\nor more frequently if events or circumstances indicate a potential impairment.\nWe completed our annual goodwill impairment test as of June 30, 2023, by\nperforming a quantitative assessment to compare the fair value of each\nreporting unit to its carrying value as measured by allocated equity. Based on\nour assessment, we have concluded that goodwill was not impaired.\nThe Corporation chose to perform the quantitative assessment as\ncompared to a qualitative assessment that was performed in the prior year\ndue to the level of interest rates and other market conditions existing at June\n30, 2023. The quantitative assessment used a combination of an income\napproach (which utilizes the present value of cash flows to estimate fair value)\nand a market multiplier approach (which utilizes observable market prices and\nmetrics of peer companies to estimate fair value). The main assumptions\nused in the income approach are the Corporation\u2019s three-year internal\nforecasts along with long-term terminal growth values. The main assumptions\nused in the market multiplier approach are primarily enterprise value and\nequity multiples from comparable publicly traded companies in industries\nsimilar to the reporting unit.\nCertain Contingent Liabilities\nCertain Contingent Liabilities\nFor more information on the complex judgments associated with certain\ncontingent liabilities, see \nNote 12 \u2013 Commitments and Contingencies\n to the\nConsolidated Financial Statements.\nBank of America \n84\n84", "1e6de872-8c9a-4f50-95af-0bfa633b247f": "Non-GAAP Reconciliations\nNon-GAAP Reconciliations\nTables 45 and 46 provide reconciliations of certain non-GAAP financial measures to GAAP financial measures.\nTable 45\nTable 45\nAnnual Reconciliations to GAAP Financial Measures \nAnnual Reconciliations to GAAP Financial Measures \n(Dollars in millions, shares in thousands)\n2023\n2023\n2022\n2021\nReconciliation of average shareholders\u2019 equity to average tangible shareholders\u2019 equity and average tangible common shareholders\u2019\nReconciliation of average shareholders\u2019 equity to average tangible shareholders\u2019 equity and average tangible common shareholders\u2019\nequity\nequity\n \n \n \nShareholders\u2019 equity\n$\n$\n283,353\n283,353\n \n$\n270,299 \n$\n273,757 \nGoodwill\n(69,022)\n(69,022)\n(69,022)\n(69,005)\nIntangible assets (excluding MSRs)\n(2,039)\n(2,039)\n(2,117)\n(2,177)\nRelated deferred tax liabilities\n893\n893\n \n922 \n916 \nTangible shareholders\u2019 equity\nTangible shareholders\u2019 equity\n$\n$\n213,185\n213,185\n \n$\n200,082 \n$\n203,491 \nPreferred stock\n(28,397)\n(28,397)\n(28,318)\n(23,970)\nTangible common shareholders\u2019 equity\nTangible common shareholders\u2019 equity\n$\n$\n184,788\n184,788\n \n$\n171,764 \n$\n179,521 \nReconciliation of year-end shareholders\u2019 equity to year-end tangible shareholders\u2019 equity and year-end tangible common\nReconciliation of year-end shareholders\u2019 equity to year-end tangible shareholders\u2019 equity and year-end tangible common\nshareholders\u2019 equity\nshareholders\u2019 equity\n \n \nShareholders\u2019 equity\n$\n$\n291,646\n291,646\n \n$\n273,197 \n$\n270,066 \nGoodwill\n(69,021)\n(69,021)\n(69,022)\n(69,022)\nIntangible assets (excluding MSRs)\n(1,997)\n(1,997)\n(2,075)\n(2,153)\nRelated deferred tax liabilities\n874\n874\n \n899 \n929 \nTangible shareholders\u2019 equity\nTangible shareholders\u2019 equity\n$\n$\n221,502\n221,502\n \n$\n202,999 \n$\n199,820 \nPreferred stock\n(28,397)\n(28,397)\n(28,397)\n(24,708)\nTangible common shareholders\u2019 equity\nTangible common shareholders\u2019 equity\n$\n$\n193,105\n193,105\n \n$\n174,602 \n$\n175,112 \nReconciliation of year-end assets to year-end tangible assets\nReconciliation of year-end assets to year-end tangible assets\n \n \nAssets\n$\n$\n3,180,151\n3,180,151\n \n$\n3,051,375 \n$\n3,169,495 \nGoodwill\n(69,021)\n(69,021)\n(69,022)\n(69,022)\nIntangible assets (excluding MSRs)\n(1,997)\n(1,997)\n(2,075)\n(2,153)\nRelated deferred tax liabilities\n874\n874\n \n899 \n929 \nTangible assets\nTangible assets\n$\n$\n3,110,007\n3,110,007\n \n$\n2,981,177 \n$\n3,099,249 \nPresents reconciliations of non-GAAP financial measures to GAAP financial measures. For more information on non-GAAP financial measures and ratios we use in assessing the results of the Corporation, see Supplemental Financial Data on page 29.\nTable 46\nTable 46\nQuarterly Reconciliations to GAAP Financial Measures \nQuarterly Reconciliations to GAAP Financial Measures \n2023 Quarters\n2023 Quarters\n2022 Quarters\n(Dollars in millions)\nFourth\nFourth\nThird\nSecond\nFirst\nFourth\nThird\nSecond\nFirst\nReconciliation of average shareholders\u2019 equity to\nReconciliation of average shareholders\u2019 equity to\naverage tangible shareholders\u2019 equity and average\naverage tangible shareholders\u2019 equity and average\ntangible common shareholders\u2019 equity\ntangible common shareholders\u2019 equity\n \n \n \n \n \n \n \n \nShareholders\u2019 equity\n$\n$\n288,618\n288,618\n \n$\n284,975 \n$\n282,425 \n$\n277,252 \n$\n272,629 \n$\n271,017 \n$\n268,197 \n$\n269,309 \nGoodwill\n(69,021)\n(69,021)\n(69,021)\n(69,022)\n(69,022)\n(69,022)\n(69,022)\n(69,022)\n(69,022)\nIntangible assets (excluding MSRs)\n(2,010)\n(2,", "2934fe6e-591b-4e93-8a40-dc88de1a1423": "618\n288,618\n \n$\n284,975 \n$\n282,425 \n$\n277,252 \n$\n272,629 \n$\n271,017 \n$\n268,197 \n$\n269,309 \nGoodwill\n(69,021)\n(69,021)\n(69,021)\n(69,022)\n(69,022)\n(69,022)\n(69,022)\n(69,022)\n(69,022)\nIntangible assets (excluding MSRs)\n(2,010)\n(2,010)\n(2,029)\n(2,049)\n(2,068)\n(2,088)\n(2,107)\n(2,127)\n(2,146)\nRelated deferred tax liabilities\n886\n886\n \n890 \n895 \n899 \n914 \n920 \n926 \n929 \nTangible shareholders\u2019 equity\nTangible shareholders\u2019 equity\n$\n$\n218,473\n218,473\n \n$\n214,815 \n$\n212,249 \n$\n207,061 \n$\n202,433 \n$\n200,808 \n$\n197,974 \n$\n199,070 \nPreferred stock\n(28,397)\n(28,397)\n(28,397)\n(28,397)\n(28,397)\n(28,982)\n(29,134)\n(28,674)\n(26,444)\nTangible common shareholders\u2019 equity\nTangible common shareholders\u2019 equity\n$\n$\n190,076\n190,076\n \n$\n186,418 \n$\n183,852 \n$\n178,664 \n$\n173,451 \n$\n171,674 \n$\n169,300 \n$\n172,626 \nReconciliation of period-end shareholders\u2019 equity to\nReconciliation of period-end shareholders\u2019 equity to\nperiod-end tangible shareholders\u2019 equity and period-end\nperiod-end tangible shareholders\u2019 equity and period-end\ntangible common shareholders\u2019 equity\ntangible common shareholders\u2019 equity\n \n \n \n \n \n \n \n \nShareholders\u2019 equity\n$\n$\n291,646\n291,646\n \n$\n287,064 \n$\n283,319 \n$\n280,196 \n$\n273,197 \n$\n269,524 \n$\n269,118 \n$\n266,617 \nGoodwill\n(69,021)\n(69,021)\n(69,021)\n(69,021)\n(69,022)\n(69,022)\n(69,022)\n(69,022)\n(69,022)\nIntangible assets (excluding MSRs)\n(1,997)\n(1,997)\n(2,016)\n(2,036)\n(2,055)\n(2,075)\n(2,094)\n(2,114)\n(2,133)\nRelated deferred tax liabilities\n874\n874\n \n886 \n890 \n895 \n899 \n915 \n920 \n926 \nTangible shareholders\u2019 equity\nTangible shareholders\u2019 equity\n$\n$\n221,502\n221,502\n \n$\n216,913 \n$\n213,152 \n$\n210,014 \n$\n202,999 \n$\n199,323 \n$\n198,902 \n$\n196,388 \nPreferred stock\n(28,397)\n(28,397)\n(28,397)\n(28,397)\n(28,397)\n(28,397)\n(29,134)\n(29,134)\n(27,137)\nTangible common shareholders\u2019 equity\nTangible common shareholders\u2019 equity\n$\n$\n193,105\n193,105\n \n$\n188,516 \n$\n184,755 \n$\n181,617 \n$\n174,602 \n$\n170,189 \n$\n169,768 \n$\n169,251 \nReconciliation of period-end assets to period-end\nReconciliation of period-end assets to period-end\ntangible assets\ntangible assets\n \n \n \n \n \n \n \n \nAssets\n$\n$\n3,180,151\n3,180,151\n \n$\n3,153,090 \n$\n3,123,198 \n$\n3,194,657 \n$\n3,051,375 \n$\n3,072,953 \n$\n3,111,606 \n$\n3,238,223 \nGoodwill\n(69,021)\n(69,021)\n(69,021)\n(69,021)\n(69,022)\n(69,022)\n(69,022)\n(69,022)\n(69,022)\nIntangible assets (excluding MSRs)\n(1,997)\n(1,997)\n(2,016)\n(2,036)\n(2,055)\n(2,075)\n(2,094)\n(2,114)\n(2,133)\nRelated deferred tax liabilities\n874\n874\n \n886 \n890 \n895 \n899 \n915 \n920 \n926 \nTangible assets\nTangible assets\n$\n$\n3,110,007\n3,110,007\n \n$\n3,082,939 \n$\n3,053,031 \n$\n3,124,", "0790ae2a-f3bd-4628-8654-52e908247a7b": "194,657 \n$\n3,051,375 \n$\n3,072,953 \n$\n3,111,606 \n$\n3,238,223 \nGoodwill\n(69,021)\n(69,021)\n(69,021)\n(69,021)\n(69,022)\n(69,022)\n(69,022)\n(69,022)\n(69,022)\nIntangible assets (excluding MSRs)\n(1,997)\n(1,997)\n(2,016)\n(2,036)\n(2,055)\n(2,075)\n(2,094)\n(2,114)\n(2,133)\nRelated deferred tax liabilities\n874\n874\n \n886 \n890 \n895 \n899 \n915 \n920 \n926 \nTangible assets\nTangible assets\n$\n$\n3,110,007\n3,110,007\n \n$\n3,082,939 \n$\n3,053,031 \n$\n3,124,475 \n$\n2,981,177 \n$\n3,002,752 \n$\n3,041,390 \n$\n3,167,994 \nPresents reconciliations of non-GAAP financial measures to GAAP financial measures. For more information on non-GAAP financial measures and ratios we use in assessing the results of the Corporation, see Supplemental Financial Data on page 29.\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n85\n85\n \nBank of America", "b3643be1-a2a2-47d6-8369-9a7a4282f0c9": "Item 7A. \nItem 7A. \nQuantitative and Qualitative Disclosures about Market Risk\nQuantitative and Qualitative Disclosures about Market Risk\nSee Market Risk Management on page 73 in the MD&A and the sections referenced therein for Quantitative and Qualitative Disclosures about Market Risk.\nItem 8. Financial Statements and Supplementary Data\nItem 8. Financial Statements and Supplementary Data\nTable of Contents\nTable of Contents\nPage\nConsolidated Statement of Income\n90\nConsolidated Statement of Comprehensive Income\n90\nConsolidated Balance Sheet\n91\nConsolidated Statement of Changes in Shareholders\u2019 Equity\n92\nConsolidated Statement of Cash Flows\n93\nNote 1 \u2013 Summary of Significant Accounting Principles\n94\nNote 2 \u2013 Net Interest Income and Noninterest Income\n102\nNote 3 \u2013 Derivatives\n103\nNote 4 \u2013 Securities\n111\nNote 5 \u2013 Outstanding Loans and Leases \nand Allowance for Credit Losses\n114\nNote 6 \u2013 Securitizations and Other Variable Interest Entities\n126\nNote 7 \u2013 Goodwill and Intangible Assets\n130\nNote 8 \u2013 Leases\n130\nNote 9 \u2013 Deposits\n131\nNote 10 \u2013 Securities Financing Agreements, Short-term Borrowings, Collateral and Restricted Cash\n132\nNote 11 \u2013 Long-term Debt\n134\nNote 12 \u2013 Commitments and Contingencies\n135\nNote 13 \u2013 Shareholders\u2019 Equity\n140\nNote 14 \u2013 Accumulated Other Comprehensive Income\n142\nNote 15 \u2013 Earnings Per Common Share\n143\nNote 16 \u2013 Regulatory Requirements and Restrictions\n143\nNote 17 \u2013 Employee Benefit Plans\n145\nNote 18 \u2013 Stock-based Compensation Plans\n149\nNote 19 \u2013 Income Taxes\n149\nNote 20 \u2013 Fair Value Measurements\n151\nNote 21 \u2013 Fair Value Option\n160\nNote 22 \u2013 Fair Value of Financial Instruments\n162\nNote 23 \u2013 Business Segment Information\n163\nNote 24 \u2013 Parent Company Information\n166\nNote 25 \u2013 Performance by Geographical Area\n168\nGlossary\n169\nAcronyms\n171\nBank of America \n86\n86", "d0b5b3db-669f-4bc6-be75-1c8608427c00": "Report of Management on Internal Control Over Financial Reporting\nReport of Management on Internal Control Over Financial Reporting\nThe management of Bank of America Corporation is responsible for\nestablishing and maintaining adequate internal control over financial\nreporting.\nThe Corporation\u2019s internal control over financial reporting is a process\ndesigned to provide reasonable assurance regarding the reliability of financial\nreporting and the preparation of financial statements for external purposes in\naccordance with accounting principles generally accepted in the United States\nof America. The Corporation\u2019s internal control over financial reporting includes\nthose policies and procedures that (i) pertain to the maintenance of records\nthat, in reasonable detail, accurately and fairly reflect the transactions and\ndispositions of the assets of the Corporation; (ii) provide reasonable\nassurance that transactions are recorded as necessary to permit preparation\nof financial statements in accordance with accounting principles generally\naccepted in the United States of America, and that receipts and expenditures\nof the Corporation are being made only in accordance with authorizations of\nmanagement and directors of the Corporation; and (iii) provide reasonable\nassurance regarding prevention or timely detection of unauthorized\nacquisition, use, or disposition of the Corporation\u2019s assets that could have a\nmaterial effect on the financial statements.\nBecause of its inherent limitations, internal control over financial reporting\nmay not prevent or detect misstatements. Also, projections of any evaluation of\neffectiveness to future periods are subject to the risk that controls may become\ninadequate because of changes in conditions, or that the degree of\ncompliance with the policies or procedures may deteriorate.\nManagement assessed the effectiveness of the Corporation\u2019s internal\ncontrol over financial reporting as of December 31, 2023 based on the\nframework set forth by the Committee of Sponsoring Organizations of the\nTreadway Commission in \nInternal Control \u2013 Integrated Framework (2013)\n.\nBased on that assessment, management concluded that, as of December 31,\n2023, the Corporation\u2019s internal control over financial reporting is effective.\nThe Corporation\u2019s internal control over financial reporting as of\nDecember 31, 2023 has been audited by \nPricewaterhouseCoopers\n,\n LLP\n,\n an\nindependent registered public accounting firm, as stated in their\naccompanying report which expresses an unqualified opinion on the\neffectiveness of the Corporation\u2019s internal control over financial reporting as of\nDecember 31, 2023.\nBrian T. Moynihan\nBrian T. Moynihan\nChair, Chief Executive Officer and President\nCFO Signature.jpg\nAlastair M. Borthwick\nAlastair M. Borthwick\nChief Financial Officer\n87\n87\n \nBank of America", "5f6dae70-8565-4656-9494-d0f822bb6d3c": "Report of Independent Registered Public Accounting Firm\nReport of Independent Registered Public Accounting Firm\nTo the Board of Directors and Shareholders of Bank of\nTo the Board of Directors and Shareholders of Bank of\nAmerica Corporation\nAmerica Corporation\nOpinions on the Financial Statements and Internal\nOpinions on the Financial Statements and Internal\nControl over Financial Reporting\nControl over Financial Reporting\nWe have audited the accompanying consolidated balance sheets of Bank of\nAmerica Corporation and its subsidiaries (the \u201cCorporation\u201d) as of\nDecember 31, 2023 and 2022, and the related consolidated statements of\nincome, comprehensive income, changes in shareholders\u2019 equity and cash\nflows for each of the three years in the period ended December 31, 2023,\nincluding the related notes (collectively referred to as the \u201cconsolidated\nfinancial statements\u201d). We also have audited the Corporation's internal control\nover financial reporting as of December 31, 2023, based on criteria\nestablished in \nInternal Control - Integrated Framework\n (2013) issued by the\nCommittee of Sponsoring Organizations of the Treadway Commission\n(COSO).\nIn our opinion, the consolidated financial statements referred to above\npresent fairly, in all material respects, the financial position of the Corporation\nas of December 31, 2023 and 2022, and the results of its operations and its\ncash flows for each of the three years in the period ended December 31, 2023\nin conformity with accounting principles generally accepted in the United\nStates of America. Also in our opinion, the Corporation maintained, in all\nmaterial respects, effective internal control over financial reporting as of\nDecember 31, 2023, based on criteria established in \nInternal Control -\nIntegrated Framework\n (2013) issued by the COSO.\nBasis for Opinions\nBasis for Opinions\nThe Corporation\u2019s management is responsible for these consolidated\nfinancial statements, for maintaining effective internal control over financial\nreporting, and for its assessment of the effectiveness of internal control over\nfinancial reporting, included in the accompanying Report of Management on\nInternal Control Over Financial Reporting. Our responsibility is to express\nopinions on the Corporation\u2019s consolidated financial statements and on the\nCorporation's internal control over financial reporting based on our audits. We\nare a public accounting firm registered with the Public Company Accounting\nOversight Board (United States) (PCAOB) and are required to be independent\nwith respect to the Corporation in accordance with the U.S. federal securities\nlaws and the applicable rules and regulations of the Securities and Exchange\nCommission and the PCAOB.\nWe conducted our audits in accordance with the standards of the PCAOB.\nThose standards require that we plan and perform the audits to obtain\nreasonable assurance about whether the consolidated financial statements\nare free of material misstatement, whether due to error or fraud, and whether\neffective internal control over financial reporting was maintained in all material\nrespects. Our audits of the consolidated financial statements included\nperforming procedures to assess the risks of material misstatement of the\nconsolidated financial statements, whether due to error or fraud, and\nperforming procedures that respond to those risks. Such procedures included\nexamining, on a test basis, evidence regarding the amounts and disclosures\nin the consolidated financial statements. Our audits also included evaluating\nthe accounting principles used and significant estimates made by\nmanagement, as well as evaluating the overall presentation of the\nconsolidated financial statements. Our audit of internal control over financial\nreporting included obtaining an\nunderstanding of internal control over financial reporting, assessing the risk\nthat a material weakness exists, and testing and evaluating the design and\noperating effectiveness of internal control based on the assessed risk. Our\naudits also included performing such other procedures as we considered\nnecessary in the circumstances. We believe that our audits provide a\nreasonable basis for our opinions.\nDefinition and Limitations of Internal Control over\nDefinition and Limitations of Internal Control over\nFinancial Reporting\nFinancial Reporting\nA company\u2019s internal control over financial reporting is a process designed to\nprovide reasonable assurance regarding the reliability of financial reporting\nand the preparation of financial statements for external purposes in\naccordance with generally accepted accounting principles.", "4ff42a49-9d30-477e-bb53-37c5cf806309": "Our audits also included evaluating\nthe accounting principles used and significant estimates made by\nmanagement, as well as evaluating the overall presentation of the\nconsolidated financial statements. Our audit of internal control over financial\nreporting included obtaining an\nunderstanding of internal control over financial reporting, assessing the risk\nthat a material weakness exists, and testing and evaluating the design and\noperating effectiveness of internal control based on the assessed risk. Our\naudits also included performing such other procedures as we considered\nnecessary in the circumstances. We believe that our audits provide a\nreasonable basis for our opinions.\nDefinition and Limitations of Internal Control over\nDefinition and Limitations of Internal Control over\nFinancial Reporting\nFinancial Reporting\nA company\u2019s internal control over financial reporting is a process designed to\nprovide reasonable assurance regarding the reliability of financial reporting\nand the preparation of financial statements for external purposes in\naccordance with generally accepted accounting principles. A company\u2019s\ninternal control over financial reporting includes those policies and procedures\nthat (i) pertain to the maintenance of records that, in reasonable detail,\naccurately and fairly reflect the transactions and dispositions of the assets of\nthe company; (ii) provide reasonable assurance that transactions are recorded\nas necessary to permit preparation of financial statements in accordance with\ngenerally accepted accounting principles, and that receipts and expenditures\nof the company are being made only in accordance with authorizations of\nmanagement and directors of the company; and (iii) provide reasonable\nassurance regarding prevention or timely detection of unauthorized\nacquisition, use, or disposition of the company\u2019s assets that could have a\nmaterial effect on the financial statements.\nBecause of its inherent limitations, internal control over financial reporting\nmay not prevent or detect misstatements. Also, projections of any evaluation of\neffectiveness to future periods are subject to the risk that controls may become\ninadequate because of changes in conditions, or that the degree of\ncompliance with the policies or procedures may deteriorate.\nCritical Audit Matters\nCritical Audit Matters\nThe critical audit matters communicated below are matters arising from the\ncurrent period audit of the consolidated financial statements that were\ncommunicated or required to be communicated to the audit committee and\nthat (i) relate to accounts or disclosures that are material to the consolidated\nfinancial statements and (ii) involved our especially challenging, subjective, or\ncomplex judgments. The communication of critical audit matters does not alter\nin any way our opinion on the consolidated financial statements, taken as a\nwhole, and we are not, by communicating the critical audit matters below,\nproviding separate opinions on the critical audit matters or on the accounts or\ndisclosures to which they relate.\nAllowance for Loan and Lease Losses - Commercial and Consumer Card\nLoans\nAs described in Notes 1 and 5 to the consolidated financial statements, the\nallowance for loan and lease losses represents management\u2019s estimate of\nthe expected credit losses in the Corporation\u2019s loan and lease portfolio,\nexcluding loans and unfunded lending commitments accounted for under the\nfair value option. As of December 31, 2023, the allowance for loan and lease\nlosses was $13.3 billion on total loans and leases of $1,050.2 billion, which\nexcludes loans accounted for under the fair value option. For commercial and\nconsumer card loans, the expected credit loss is typically estimated using\nquantitative methods that consider a variety of factors such as historical\nBank of America \n88\n88", "af000585-36ba-49ad-a95e-89e85da51aed": "loss experience, the current credit quality of the portfolio as well as an\neconomic outlook over the life of the loan. In its loss forecasting framework,\nthe Corporation incorporates forward looking information through the use of\nmacroeconomic scenarios applied over the forecasted life of the assets.\nThese macroeconomic scenarios include variables that have historically been\nkey drivers of increases and decreases in credit losses. These variables\ninclude, but are not limited to, unemployment rates, real estate prices, gross\ndomestic product levels and corporate bond spreads. The scenarios that are\nchosen and the weighting given to each scenario depend on a variety of\nfactors including recent economic events, leading economic indicators, views\nof internal as well as third-party economists and industry trends. Also included\nin the allowance for loan and lease losses are qualitative reserves to cover\nlosses that are expected but, in the Corporation's assessment, may not be\nadequately reflected in the quantitative methods or the economic\nassumptions. Factors that the Corporation considers include changes in\nlending policies and procedures, business conditions, the nature and size of\nthe portfolio, portfolio concentrations, the volume and severity of past due\nloans and nonaccrual loans, the effect of external factors such as competition,\nand legal and regulatory requirements, among others. Further, the Corporation\nconsiders the inherent uncertainty in quantitative models that are built on\nhistorical data.\nThe principal considerations for our determination that performing\nprocedures relating to the allowance for loan and lease losses for the\ncommercial and consumer card portfolios is a critical audit matter are (i) the\nsignificant judgment and estimation by management in developing lifetime\neconomic forecast scenarios and related weightings to each scenario, which\nin turn led to a high degree of auditor judgment, subjectivity and effort in\nperforming procedures and in evaluating audit evidence obtained, and (ii) the\naudit effort involved professionals with specialized skill and knowledge.\nAddressing the matter involved performing procedures and evaluating audit\nevidence in connection with forming our overall opinion on the consolidated\nfinancial statements. These procedures included testing the effectiveness of\ncontrols relating to the allowance for loan and lease losses, including controls\nover the evaluation and approval of models, forecast scenarios and related\nweightings, and qualitative reserves. These procedures also included, among\nothers, testing management\u2019s process for estimating the allowance for loan\nand lease losses, including (i) evaluating the appropriateness of the loss\nforecast models and methodology, (ii) evaluating the reasonableness of\ncertain macroeconomic variables, (iii) evaluating the reasonableness of\nmanagement\u2019s development, selection and weighting of lifetime economic\nforecast scenarios used in the loss forecast models, (iv) testing the\ncompleteness and accuracy of data used in the estimate, and (v) evaluating\nthe reasonableness of certain qualitative reserves made to the model output\nresults to determine the overall allowance for loan and lease losses. The\nprocedures also included the involvement of professionals with specialized\nskill and knowledge to assist in evaluating the appropriateness of certain loss\nforecast models, the reasonableness of economic forecast scenarios\nand related weightings and the reasonableness of certain qualitative reserves.\nValuation of Certain Level 3 Financial Instruments\nAs described in Notes 1 and 20 to the consolidated financial statements, the\nCorporation carries certain financial instruments at fair value, which includes\n$9.3 billion of assets and $6.6 billion of liabilities classified as Level 3 fair\nvalue measurements that are valued on a recurring basis and $3.9 billion of\nassets classified as Level 3 fair value measurements that are valued on a\nnonrecurring basis, for which the determination of fair value requires\nsignificant management judgment or estimation. The Corporation determines\nthe fair value of Level 3 financial instruments using pricing models, discounted\ncash flow methodologies, or similar techniques that require inputs that are\nboth unobservable and are significant to the overall fair value measurement.\nUnobservable inputs, such as volatility or implied yield, may be determined\nusing quantitative-based extrapolations, pricing models or other internal\nmethodologies which incorporate management estimates and available\nmarket information.\nThe principal considerations for our determination that performing\nprocedures relating to the valuation of certain Level 3 financial instruments is a\ncritical audit matter are the significant judgment and estimation used by\nmanagement to determine the fair value of these financial instruments, which\nin turn led to a high degree of auditor judgment, subjectivity and effort in\nperforming procedures and in evaluating audit evidence obtained, including\nthe involvement of professionals with specialized skill and knowledge.\nAddressing the matter involved performing procedures and evaluating audit\nevidence in connection with forming our overall opinion on the consolidated\nfinancial statements.", "2f4f872a-6735-4e88-a6a6-4d80328d837b": "Unobservable inputs, such as volatility or implied yield, may be determined\nusing quantitative-based extrapolations, pricing models or other internal\nmethodologies which incorporate management estimates and available\nmarket information.\nThe principal considerations for our determination that performing\nprocedures relating to the valuation of certain Level 3 financial instruments is a\ncritical audit matter are the significant judgment and estimation used by\nmanagement to determine the fair value of these financial instruments, which\nin turn led to a high degree of auditor judgment, subjectivity and effort in\nperforming procedures and in evaluating audit evidence obtained, including\nthe involvement of professionals with specialized skill and knowledge.\nAddressing the matter involved performing procedures and evaluating audit\nevidence in connection with forming our overall opinion on the consolidated\nfinancial statements. These procedures included testing the effectiveness of\ncontrols relating to the valuation of financial instruments, including controls\nrelated to valuation models, significant unobservable inputs, and data. These\nprocedures also included, among others, the involvement of professionals\nwith specialized skill and knowledge to assist in developing an independent\nestimate of fair value for a sample of these certain financial instruments and\ncomparison of management\u2019s estimate to the independently developed\nestimate of fair value. Developing the independent estimate involved testing\nthe completeness and accuracy of data provided by management and\nevaluating the reasonableness of management\u2019s significant unobservable\ninputs.\npwcsignature.jpg\nCharlotte, North Carolina\nFebruary 20, 2024\nWe have served as the Corporation\u2019s auditor since 1958.\n89\n89\n \nBank of America", "eef66da6-d132-46ce-8f72-2def01ef262e": "Bank of America Corporation and Subsidiaries\nBank of America Corporation and Subsidiaries\nConsolidated Statement of Income\nConsolidated Statement of Income\n(In millions, except per share information)\n2023\n2023\n2022\n2021\nNet interest income\nNet interest income\n \nInterest income\n$\n$\n130,262\n130,262\n \n$\n72,565\n \n$\n47,672\n \nInterest expense\n73,331\n73,331\n \n20,103\n \n4,738\n \nNet interest income\n56,931\n56,931\n \n52,462\n \n42,934\n \nNoninterest income\nNoninterest income\n \nFees and commissions\n32,009\n32,009\n \n33,212\n \n39,299\n \nMarket making and similar activities\n12,732\n12,732\n \n12,075\n \n8,691\n \nOther income\n(\n(\n3,091\n3,091\n)\n)\n(\n2,799\n)\n(\n1,811\n)\nTotal noninterest income\n41,650\n41,650\n \n42,488\n \n46,179\n \nTotal revenue, net of interest expense\nTotal revenue, net of interest expense\n98,581\n98,581\n \n94,950\n \n89,113\n \nProvision for credit losses\nProvision for credit losses\n4,394\n4,394\n \n2,543\n \n(\n4,594\n)\nNoninterest expense\nNoninterest expense\nCompensation and benefits\n38,330\n38,330\n \n36,447\n \n36,140\n \nOccupancy and equipment\n7,164\n7,164\n \n7,071\n \n7,138\n \nInformation processing and communications\n6,707\n6,707\n \n6,279\n \n5,769\n \nProduct delivery and transaction related\n3,608\n3,608\n \n3,653\n \n3,881\n \nProfessional fees\n2,159\n2,159\n \n2,142\n \n1,775\n \nMarketing\n1,927\n1,927\n \n1,825\n \n1,939\n \nOther general operating\n5,950\n5,950\n \n4,021\n \n3,089\n \nTotal noninterest expense\n65,845\n65,845\n \n61,438\n \n59,731\n \nIncome before income taxes\nIncome before income taxes\n28,342\n28,342\n \n30,969\n \n33,976\n \nIncome tax expense\nIncome tax expense\n1,827\n1,827\n \n3,441\n \n1,998\n \nNet income\nNet income\n$\n$\n26,515\n26,515\n \n$\n27,528\n \n$\n31,978\n \nPreferred stock dividends and other\nPreferred stock dividends and other\n1,649\n1,649\n \n1,513\n \n1,421\n \nNet income applicable to common shareholders\nNet income applicable to common shareholders\n$\n$\n24,866\n24,866\n \n$\n26,015\n \n$\n30,557\n \nPer common share information\nPer common share information\n \nEarnings\n$\n$\n3.10\n3.10\n \n$\n3.21\n \n$\n3.60\n \nDiluted earnings\n3.08\n \n3.19\n \n3.57\n \nAverage common shares issued and outstanding\nAverage common shares issued and outstanding\n8,028.6\n \n8,113.7\n \n8,493.3\n \nAverage diluted common shares issued and outstanding\nAverage diluted common shares issued and outstanding\n8,080.5\n \n8,167.5\n \n8,558.4\n \nConsolidated Statement of Comprehensive Income\nConsolidated Statement of Comprehensive Income\n(Dollars in millions)\n2023\n2023\n2022\n2021\nNet income\nNet income\n$\n$\n26,515\n26,515\n \n$\n27,528\n \n$\n31,978\n \nOther comprehensive income (loss), net-of-tax:\nOther comprehensive income (loss), net-of-tax:\nNet change in debt securities\n573\n573\n \n(\n6,028\n)\n(\n2,077\n)\nNet change in debit valuation adjustments\n(\n(\n686\n686\n)\n)\n755\n \n356\n \nNet change in derivatives\n3,919\n3,919\n \n(\n10,055\n)\n(\n2,306\n)\nEmployee benefit plan adjustments\n(\n(\n439\n439\n)\n)\n(\n667\n)\n624\n \nNet change in foreign currency translation adjustments\n1\n1\n \n(\n57\n)\n(\n45\n)\nOther comprehensive income (loss)\nOther comprehensive income (loss)\n3,368\n3,368\n \n(\n16,052\n)\n(\n3,448\n)\nComprehensive income (loss)\nComprehensive income (loss)\n$\n$\n29,883\n29,883\n \n$\n11,476\n \n$\n28,530\n \nSee accompanying Notes to Consolidated Financial Statements.\nBank of America \n90\n90", "ae09ee02-41b9-425c-a9b4-bfb6a86dd31a": "Bank of America Corporation and Subsidiaries\nBank of America Corporation and Subsidiaries\nConsolidated Balance Sheet\nConsolidated Balance Sheet\nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\nAssets\nAssets\nCash and due from banks\n$\n$\n27,892\n27,892\n \n$\n30,334\n \nInterest-bearing deposits with the Federal Reserve, non-U.S. central banks and other banks\n305,181\n305,181\n \n199,869\n \nCash and cash equivalents\n333,073\n333,073\n \n230,203\n \nTime deposits placed and other short-term investments\n8,346\n8,346\n \n7,259\n \nFederal funds sold and securities borrowed or purchased under agreements to resell\n (includes \n$\n$\n133,053\n133,053\n and $\n146,999\n \nmeasured at fair value)\n280,624\n280,624\n \n267,574\n \nTrading account assets (includes \n$\n$\n130,815\n130,815\n and $\n115,505\n \npledged as collateral)\n277,354\n277,354\n \n296,108\n \nDerivative assets\n39,323\n39,323\n \n48,642\n \nDebt securities:\n \n \nCarried at fair value\n276,852\n276,852\n \n229,994\n \nHeld-to-maturity, at cost (fair value \n$\n$\n496,597\n496,597\n and $\n524,267\n)\n594,555\n594,555\n \n632,825\n \nTotal debt securities\n871,407\n871,407\n \n862,819\n \nLoans and leases (includes \n$\n$\n3,569\n3,569\n \nand $\n5,771\n measured at fair value)\n1,053,732\n1,053,732\n \n1,045,747\n \nAllowance for loan and lease losses\n(\n(\n13,342\n13,342\n)\n)\n(\n12,682\n)\nLoans and leases, net of allowance\n1,040,390\n1,040,390\n \n1,033,065\n \nPremises and equipment, net\n11,855\n11,855\n \n11,510\n \nGoodwill\n69,021\n69,021\n \n69,022\n \nLoans held-for-sale (includes \n$\n$\n2,059\n2,059\n and $\n1,115\n \nmeasured at fair value)\n6,002\n6,002\n \n6,871\n \nCustomer and other receivables\n81,881\n81,881\n \n67,543\n \nOther assets (includes \n$\n$\n11,861\n11,861\n and $\n9,594\n \nmeasured at fair value)\n160,875\n160,875\n \n150,759\n \nTotal assets\nTotal assets\n$\n$\n3,180,151\n3,180,151\n \n$\n3,051,375\n \nLiabilities\nLiabilities\n \n \n \nDeposits in U.S. offices:\n \n \n \nNoninterest-bearing\n$\n$\n530,619\n530,619\n \n$\n640,745\n \nInterest-bearing (includes \n$\n$\n284\n284\n and $\n311\n \nmeasured at fair value)\n1,273,904\n1,273,904\n \n1,182,590\n \nDeposits in non-U.S.", "f9060662-1085-441c-a040-f993caa3363e": "offices:\n \n \n \nNoninterest-bearing\n$\n$\n530,619\n530,619\n \n$\n640,745\n \nInterest-bearing (includes \n$\n$\n284\n284\n and $\n311\n \nmeasured at fair value)\n1,273,904\n1,273,904\n \n1,182,590\n \nDeposits in non-U.S. offices:\nNoninterest-bearing\n16,427\n16,427\n \n20,480\n \nInterest-bearing\n102,877\n102,877\n \n86,526\n \nTotal deposits\n1,923,827\n1,923,827\n \n1,930,341\n \nFederal funds purchased and securities loaned or sold under agreements to repurchase\n (includes \n$\n$\n178,609\n178,609\n and $\n151,708\n measured at fair value)\n283,887\n283,887\n \n195,635\n \nTrading account liabilities\n95,530\n95,530\n \n80,399\n \nDerivative liabilities\n43,432\n43,432\n \n44,816\n \nShort-term borrowings (includes\n \n$\n$\n4,690\n4,690\n \nand $\n832\n \nmeasured at fair value)\n32,098\n32,098\n \n26,932\n \nAccrued expenses and other liabilities (includes \n$\n11,473\n and $\n9,752\n \nmeasured at fair value\n and \n$\n$\n1,209\n1,209\n and $\n1,540\n of reserve for unfunded lending commitments)\n207,527\n207,527\n \n224,073\n \nLong-term debt (includes \n$\n$\n42,809\n42,809\n and $\n33,070\n measured at fair value)\n302,204\n302,204\n \n275,982\n \nTotal liabilities\nTotal liabilities\n2,888,505\n2,888,505\n \n2,778,178\n \nCommitments and contingencies \n(Note 6 \u2013 Securitizations and Other Variable Interest Entities\n \nand \nNote 12 \u2013 Commitments and Contingencies)\nShareholders\u2019 equity\nShareholders\u2019 equity\n \n \nPreferred stock, $\n0.01\n par value; authorized \u2013 \n100,000,000\n100,000,000\n \nshares; issued and outstanding \u2013 \n4,088,099\n4,088,099\n and \n4,088,101\n shares\n28,397\n28,397\n \n28,397\n \nCommon stock and additional paid-in capital, $\n0.01\n par value; authorized \u2013 \n12,800,000,000\n12,800,000,000\n \nshares;\n issued and outstanding \u2013 \n7,895,457,665\n7,895,457,665\n and \n7,996,777,943\n shares\n56,365\n56,365\n \n58,953\n \nRetained earnings\n224,672\n224,672\n \n207,003\n \nAccumulated other comprehensive income (loss)\n(\n(\n17,788\n17,788\n)\n)\n(\n21,156\n)\nTotal shareholders\u2019 equity\nTotal shareholders\u2019 equity\n291,646\n291,646\n \n273,197\n \nTotal liabilities and shareholders\u2019 equity\nTotal liabilities and shareholders\u2019 equity\n$\n$\n3,180,151\n3,180,151\n \n$\n3,051,375\n \nAssets of consolidated variable interest entities included in total assets above (isolated to settle the liabilities of the variable interest entities)\nAssets of consolidated variable interest entities included in total assets above (isolated to settle the liabilities of the variable interest entities)\nTrading account assets\n$\n6,054\n \n$\n2,816\n \nLoans and leases\n18,276\n18,276\n \n16,738\n \nAllowance for loan and lease losses\n(\n(\n826\n826\n)\n)\n(\n797\n)\nLoans and leases, net of allowance\n17,450\n17,450\n \n15,941\n \nAll other assets\n269\n269\n \n116\n \nTotal assets of consolidated variable interest entities\nTotal assets of consolidated variable interest entities\n$\n$\n23,773\n23,773\n \n$\n18,873\n \nLiabilities of consolidated variable interest entities included in total liabilities above\nLiabilities of consolidated variable interest entities included in total liabilities above\n \n \n \nShort-term borrowings (includes $\n23\n and $\n42\n of non-recourse short-term borrowings)\n$\n$\n2,957\n2,957\n \n$\n42\n \nLong-term debt (includes $\n8,456\n and $\n4,581\n of non-recourse debt)\n8,456\n8,456\n \n4,581\n \nAll other liabilities (includes $\n19\n and $\n13\n of non-recourse liabilities)\n19\n19\n \n13\n \nTotal liabilities of consolidated variable interest entities\nTotal liabilities of consolidated variable interest entities\n$\n$\n11,432\n11,432\n \n$\n4,636\n \nSee accompanying Notes to Consolidated Financial Statements.", "b59ba21a-3cfd-4b06-9255-d16136fa8de8": "91\n91\n \nBank of America", "357b7655-b8ed-4f3d-b3f7-c4d5ed95adce": "Bank of America Corporation and Subsidiaries\nBank of America Corporation and Subsidiaries\nConsolidated Statement of Changes in Shareholders\u2019 Equity\nConsolidated Statement of Changes in Shareholders\u2019 Equity\nPreferred\nPreferred\nStock\nStock\nCommon Stock and\nCommon Stock and\nAdditional Paid-in Capital\nAdditional Paid-in Capital\nRetained\nRetained\nEarnings\nEarnings\nAccumulated\nAccumulated\nOther\nOther\nComprehensive\nComprehensive\nIncome (Loss)\nIncome (Loss)\nTotal\nTotal\nShareholders\u2019\nShareholders\u2019\nEquity\nEquity\n(In millions)\nShares\nShares\nAmount\nAmount\nBalance, December 31, 2020\nBalance, December 31, 2020\n$\n24,510\n \n8,650.8\n \n$\n85,982\n \n$\n164,088\n \n$\n(\n1,656\n)\n$\n272,924\n \nNet income\n31,978\n \n31,978\n \nNet change in debt securities\n(\n2,077\n)\n(\n2,077\n)\nNet change in debit valuation adjustments\n356\n \n356\n \nNet change in derivatives\n(\n2,306\n)\n(\n2,306\n)\nEmployee benefit plan adjustments\n624\n \n624\n \nNet change in foreign currency translation adjustments\n(\n45\n)\n(\n45\n)\nDividends declared:\nCommon\n(\n6,575\n)\n(\n6,575\n)\nPreferred\n(\n1,421\n)\n(\n1,421\n)\nIssuance of preferred stock\n2,169\n \n2,169\n \nRedemption of preferred stock\n(\n1,971\n)\n(\n1,971\n)\nCommon stock issued under employee plans, net, and other\n42.3\n \n1,542\n \n(\n6\n)\n1,536\n \nCommon stock repurchased\n(\n615.3\n)\n(\n25,126\n)\n(\n25,126\n)\nBalance, December 31, 2021\nBalance, December 31, 2021\n$\n24,708\n \n8,077.8\n \n$\n62,398\n \n$\n188,064\n \n$\n(\n5,104\n)\n$\n270,066\n \nNet income\n27,528\n \n27,528\n \nNet change in debt securities\n(\n6,028\n)\n(\n6,028\n)\nNet change in debit valuation adjustments\n755\n \n755\n \nNet change in derivatives\n(\n10,055\n)\n(\n10,055\n)\nEmployee benefit plan adjustments\n(\n667\n)\n(\n667\n)\nNet change in foreign currency translation adjustments\n(\n57\n)\n(\n57\n)\nDividends declared:\nCommon\n(\n6,963\n)\n(\n6,963\n)\nPreferred\n(\n1,596\n)\n(\n1,596\n)\nIssuance of preferred stock\n4,426\n \n4,426\n \nRedemption of preferred stock\n(\n737\n)\n83\n \n(\n654\n)\nCommon stock issued under employee plans, net, and other\n44.9\n \n1,545\n \n(\n30\n)\n1,515\n \nCommon stock repurchased\n(\n125.9\n)\n(\n5,073\n)\n(\n5,073\n)\nBalance, December 31, 2022\nBalance, December 31, 2022\n$\n28,397\n \n7,996.8\n \n$\n58,953\n \n$\n207,003\n \n$\n(\n21,156\n)\n$\n273,197\n \nCumulative adjustment for adoption of credit loss accounting standard\n184\n184\n \n184\n184\n \nNet income\n26,515\n26,515\n \n26,515\n26,515\n \nNet change in debt securities\n573\n573\n \n573\n573\n \nNet change in debit valuation adjustments\n(\n(\n686\n686\n)\n)\n(\n(\n686\n686\n)\n)\nNet change in derivatives\n3,919\n3,919\n \n3,919\n3,919\n \nEmployee benefit plan adjustments\n(\n(\n439\n439\n)\n)\n(\n(\n439\n439\n)\n)\nNet change in foreign currency translation adjustments\n1\n1\n \n1\n1\n \nDividends declared:\nCommon\n(\n(\n7,374\n7,374\n)\n)\n(\n(\n7,374\n7,374\n)\n)\nPreferred\n(\n(\n1,649\n1,649\n)\n)\n(\n(\n1,649\n1,649\n)\n)\nCommon stock issued under employee plans, net, and other\n45.4\n45.4\n \n1,988\n1,988\n \n(\n(\n7\n7\n)\n)\n1,981\n1,981\n \nCommon stock repurchased\n(\n(\n146.7\n146.7\n)\n)\n(\n(\n4,576\n4,576\n)\n)\n(\n(\n4,576\n4,576\n)\n)\nBalance, December 31, 2023\nBalance, December 31,", "e554b810-20c1-4865-921a-72b0e4969d87": "919\n \nEmployee benefit plan adjustments\n(\n(\n439\n439\n)\n)\n(\n(\n439\n439\n)\n)\nNet change in foreign currency translation adjustments\n1\n1\n \n1\n1\n \nDividends declared:\nCommon\n(\n(\n7,374\n7,374\n)\n)\n(\n(\n7,374\n7,374\n)\n)\nPreferred\n(\n(\n1,649\n1,649\n)\n)\n(\n(\n1,649\n1,649\n)\n)\nCommon stock issued under employee plans, net, and other\n45.4\n45.4\n \n1,988\n1,988\n \n(\n(\n7\n7\n)\n)\n1,981\n1,981\n \nCommon stock repurchased\n(\n(\n146.7\n146.7\n)\n)\n(\n(\n4,576\n4,576\n)\n)\n(\n(\n4,576\n4,576\n)\n)\nBalance, December 31, 2023\nBalance, December 31, 2023\n$\n$\n28,397\n28,397\n \n7,895.5\n7,895.5\n \n$\n$\n56,365\n56,365\n \n$\n$\n224,672\n224,672\n \n$\n$\n(\n(\n17,788\n17,788\n)\n)\n$\n$\n291,646\n291,646\n \nSee accompanying Notes to Consolidated Financial Statements.\nBank of America \n92\n92", "9312a3b6-d172-47d1-b6a3-e6ae0464e41d": "Bank of America Corporation and Subsidiaries\nBank of America Corporation and Subsidiaries\nConsolidated Statement of Cash Flows\nConsolidated Statement of Cash Flows\n(Dollars in millions)\n2023\n2023\n2022\n2021\nOperating activities\nOperating activities\n \n \n \n \nNet income\n$\n$\n26,515\n26,515\n \n$\n27,528\n \n$\n31,978\n \nAdjustments to reconcile net income to net cash provided by operating activities:\n \n \n \n \nProvision for credit losses\n4,394\n4,394\n \n2,543\n \n(\n4,594\n)\n(Gains) losses on sales of debt securities\n405\n405\n \n(\n32\n)\n(\n22\n)\nDepreciation and amortization\n2,057\n2,057\n \n1,978\n \n1,898\n \nNet amortization of premium/discount on debt securities\n(\n(\n397\n397\n)\n)\n2,072\n \n5,837\n \nDeferred income taxes\n(\n(\n2,011\n2,011\n)\n)\n739\n \n(\n838\n)\nStock-based compensation\n2,942\n2,942\n \n2,862\n \n2,768\n \nLoans held-for-sale:\nOriginations and purchases\n(\n(\n15,621\n15,621\n)\n)\n(\n24,862\n)\n(\n43,635\n)\nProceeds from sales and paydowns of loans originally classified as held for sale and instruments\nfrom related securitization activities\n16,262\n16,262\n \n31,567\n \n34,684\n \nNet change in:\nTrading and derivative assets/liabilities\n44,391\n44,391\n \n(\n95,772\n)\n(\n22,104\n)\nOther assets\n(\n(\n23,944\n23,944\n)\n)\n20,799\n \n(\n34,455\n)\nAccrued expenses and other liabilities\n(\n(\n17,719\n17,719\n)\n)\n23,029\n \n16,639\n \nOther operating activities, net\n7,708\n7,708\n \n1,222\n \n4,651\n \nNet cash provided by (used in) operating activities\n44,982\n44,982\n \n(\n6,327\n)\n(\n7,193\n)\nInvesting activities\nInvesting activities\n \n \n \n \nNet change in:\nTime deposits placed and other short-term investments\n(\n(\n1,087\n1,087\n)\n)\n(\n115\n)\n(\n598\n)\nFederal funds sold and securities borrowed or purchased under agreements to resell\n(\n(\n13,050\n13,050\n)\n)\n(\n16,854\n)\n53,338\n \nDebt securities carried at fair value:\nProceeds from sales\n101,165\n101,165\n \n69,114\n \n6,893\n \nProceeds from paydowns and maturities\n148,699\n148,699\n \n110,195\n \n159,616\n \nPurchases\n(\n(\n290,959\n290,959\n)\n)\n(\n134,962\n)\n(\n238,398\n)\nHeld-to-maturity debt securities:\nProceeds from paydowns and maturities\n36,955\n36,955\n \n63,852\n \n124,880\n \nPurchases\n(\n(\n98\n98\n)\n)\n(\n24,096\n)\n(\n362,736\n)\nLoans and leases:\nProceeds from sales of loans originally classified as held for investment and instruments\nfrom related securitization activities\n11,081\n11,081\n \n26,757\n \n10,396\n \nPurchases\n(\n(\n5,351\n5,351\n)\n)\n(\n5,798\n)\n(\n5,164\n)\nOther changes in loans and leases, net\n(\n(\n17,484\n17,484\n)\n)\n(\n86,010\n)\n(\n58,039\n)\nOther investing activities, net\n(\n(\n5,258\n5,258\n)\n)\n(\n4,612\n)\n(\n3,479\n)\nNet cash used in investing activities\n(\n(\n35,387\n35,387\n)\n)\n(\n2,529\n)\n(\n313,291\n)\nFinancing activities\nFinancing activities\n \n \n \n \nNet change in:\nDeposits\n(\n(\n6,514\n6,514\n)\n)\n(\n134,190\n)\n268,966\n \nFederal funds purchased and securities loaned or sold under agreements to repurchase\n88,252\n88,252\n \n3,306\n \n22,006\n \nShort-term borrowings\n5,162\n5,162\n \n3,179\n \n4,432\n \nLong-term debt:\nProceeds from issuance\n65,396\n65,396\n \n65,910\n \n76,675\n \nRetirement\n(\n(\n44,571\n44,571\n)\n)\n(\n34,055\n)\n(\n46,", "b79f6f74-6dc9-44eb-9d48-d87f973b1361": "net\n(\n(\n5,258\n5,258\n)\n)\n(\n4,612\n)\n(\n3,479\n)\nNet cash used in investing activities\n(\n(\n35,387\n35,387\n)\n)\n(\n2,529\n)\n(\n313,291\n)\nFinancing activities\nFinancing activities\n \n \n \n \nNet change in:\nDeposits\n(\n(\n6,514\n6,514\n)\n)\n(\n134,190\n)\n268,966\n \nFederal funds purchased and securities loaned or sold under agreements to repurchase\n88,252\n88,252\n \n3,306\n \n22,006\n \nShort-term borrowings\n5,162\n5,162\n \n3,179\n \n4,432\n \nLong-term debt:\nProceeds from issuance\n65,396\n65,396\n \n65,910\n \n76,675\n \nRetirement\n(\n(\n44,571\n44,571\n)\n)\n(\n34,055\n)\n(\n46,826\n)\nPreferred stock:\nProceeds from issuance\n\u2014\n\u2014\n \n4,426\n \n2,169\n \nRedemption\n\u2014\n\u2014\n \n(\n654\n)\n(\n1,971\n)\nCommon stock repurchased\n(\n(\n4,576\n4,576\n)\n)\n(\n5,073\n)\n(\n25,126\n)\nCash dividends paid\n(\n(\n9,087\n9,087\n)\n)\n(\n8,576\n)\n(\n8,055\n)\nOther financing activities, net\n(\n(\n717\n717\n)\n)\n(\n312\n)\n(\n620\n)\nNet cash provided by (used in) financing activities\n93,345\n93,345\n \n(\n106,039\n)\n291,650\n \nEffect of exchange rate changes on cash and cash equivalents\n(\n(\n70\n70\n)\n)\n(\n3,123\n)\n(\n3,408\n)\nNet increase (decrease) in cash and cash equivalents\n102,870\n102,870\n \n(\n118,018\n)\n(\n32,242\n)\nCash and cash equivalents at January 1\n230,203\n230,203\n \n348,221\n \n380,463\n \nCash and cash equivalents at December 31\nCash and cash equivalents at December 31\n$\n$\n333,073\n333,073\n \n$\n230,203\n \n$\n348,221\n \nSupplemental cash flow disclosures\nSupplemental cash flow disclosures\nInterest paid\n$\n$\n69,604\n69,604\n \n$\n18,526\n \n$\n4,506\n \nIncome taxes paid, net\n3,405\n3,405\n \n2,288\n \n2,760\n \nSee accompanying Notes to Consolidated Financial Statements.\n93\n93\n \nBank of America", "8385ab2b-7416-4c39-9d36-c76cbd1729b0": "Bank of America Corporation and Subsidiaries\nBank of America Corporation and Subsidiaries\nNotes to Consolidated Financial Statements\nNotes to Consolidated Financial Statements\nNOTE 1 \nNOTE 1 \nSummary of Significant Accounting Principles\nSummary of Significant Accounting Principles\nBank of America Corporation, a bank holding company and a financial holding\ncompany, provides a diverse range of financial services and products\nthroughout the U.S. and in certain international markets. The term \u201cthe\nCorporation\u201d as used herein may refer to Bank of America Corporation,\nindividually, Bank of America Corporation and its subsidiaries, or certain of\nBank of America Corporation\u2019s subsidiaries or affiliates.\nPrinciples of Consolidation and Basis of Presentation\nPrinciples of Consolidation and Basis of Presentation\nThe Consolidated Financial Statements include the accounts of the\nCorporation and its majority-owned subsidiaries and those variable interest\nentities (VIEs) where the Corporation is the primary beneficiary. Intercompany\naccounts and transactions have been eliminated. Results of operations of\nacquired companies are included from the dates of acquisition, and for VIEs,\nfrom the dates that the Corporation became the primary beneficiary. Assets\nheld in an agency or fiduciary capacity are not included in the Consolidated\nFinancial Statements. The Corporation accounts for investments in\ncompanies for which it owns a voting interest and for which it has the ability to\nexercise significant influence over operating and financing decisions using the\nequity method of accounting. These investments, which include the\nCorporation\u2019s interests in affordable housing and renewable energy\npartnerships, are recorded in other assets. Equity method investments are\nsubject to impairment testing, and the Corporation\u2019s proportionate share of\nincome or loss is included in other income.\nThe preparation of the Consolidated Financial Statements in conformity\nwith accounting principles generally accepted in the United States of America\nrequires management to make estimates and assumptions that affect\nreported amounts and disclosures. Actual results could materially differ from\nthose estimates and assumptions.\nNew Accounting Standards Issued\nNew Accounting Standards Issued\nSegment Reporting\nSegment Reporting\nThe FASB amended the segment reporting requirements to add disclosures\nof incremental segment expense categories. The amended disclosures are\neffective for the fiscal year December 31, 2024, and interim periods thereafter,\non a retrospective basis.\nIncome Taxes\nIncome Taxes\nThe FASB expanded the income tax disclosure requirements related to the\nrate reconciliation and income taxes paid information. The amended\ndisclosures are effective January 1, 2025, on a prospective basis.\nNew Accounting Standard Adopted\nNew Accounting Standard Adopted\nFinancial Instruments \nFinancial Instruments \n\u2013\n\u2013\n Credit Losses\n Credit Losses\nOn January 1, 2023, the Corporation adopted the new accounting and\ndisclosure requirements for expected credit losses (ECL) that removed the\nrecognition and measurement guidance on troubled debt restructurings\n(TDRs) and added disclosures on the financial effect and subsequent\nperformance of certain types of modifications made to borrowers experiencing\nfinancial difficulties.\nUpon adoption of the standard, the Corporation recorded a reduction of\n$\n243\n million in the allowance for credit losses for the impact of changes in the\nmethodology used to estimate the allowance for credit losses for non-\ncollateral dependent consumer and commercial TDRs. There was no impact\nto the valuation of loans previously classified as collateral-dependent TDRs.\nAfter adjusting for deferred taxes, the Corporation recorded an increase of\n$\n184\n million in retained earnings through a cumulative-effect adjustment.\nThe additional disclosures are included in \nNote 5 \u2013 Outstanding Loans and\nLeases and Allowance for Credit Losses\n on a prospective basis and include\nloan modifications where the contractual payment terms of the borrower\u2019s loan\nagreement were modified through a refinancing or restructuring.\nSignificant Accounting Principles\nSignificant Accounting Principles\nCash and Cash Equivalents\nCash and Cash Equivalents\nCash and cash equivalents include cash on hand, cash items in the process\nof collection, cash segregated under federal and other brokerage regulations,\nand amounts due from correspondent banks, the Federal Reserve Bank and\ncertain non-U.S. central banks. Certain cash balances are restricted as to\nwithdrawal or usage by legally binding contractual agreements or regulatory\nrequirements.\nSecurities Financing Agreements\nSecurities Financing Agreements\nSecurities borrowed or purchased under agreements to resell and securities\nloaned or sold under agreements to repurchase (securities financing\nagreements) are treated as collateralized financing transactions except in\ninstances where the transaction is required to be accounted for as individual\nsale and purchase transactions. Generally, these agreements are recorded at\nacquisition or sale price plus accrued interest.", "f640d715-86a5-4456-99d4-445e53e786b1": "Significant Accounting Principles\nSignificant Accounting Principles\nCash and Cash Equivalents\nCash and Cash Equivalents\nCash and cash equivalents include cash on hand, cash items in the process\nof collection, cash segregated under federal and other brokerage regulations,\nand amounts due from correspondent banks, the Federal Reserve Bank and\ncertain non-U.S. central banks. Certain cash balances are restricted as to\nwithdrawal or usage by legally binding contractual agreements or regulatory\nrequirements.\nSecurities Financing Agreements\nSecurities Financing Agreements\nSecurities borrowed or purchased under agreements to resell and securities\nloaned or sold under agreements to repurchase (securities financing\nagreements) are treated as collateralized financing transactions except in\ninstances where the transaction is required to be accounted for as individual\nsale and purchase transactions. Generally, these agreements are recorded at\nacquisition or sale price plus accrued interest. In instances where the interest\nis negative, the Corporation\u2019s policy is to present negative interest on financial\nassets as interest income and negative interest on financial liabilities as\ninterest expense. For securities financing agreements that are accounted for\nunder the fair value option, the changes in the fair value of these securities\nfinancing agreements are recorded in market making and similar activities in\nthe Consolidated Statement of Income.\nThe Corporation\u2019s policy is to monitor the market value of the principal\namount loaned under resale agreements and obtain collateral from or return\ncollateral pledged to counterparties when appropriate. Securities financing\nagreements do not create material credit risk due to these collateral\nprovisions; therefore, any allowance for loan losses is insignificant.\nIn transactions where the Corporation acts as the lender in a securities\nlending agreement and receives securities that can be pledged or sold as\ncollateral, it recognizes an asset on the Consolidated Balance Sheet at fair\nvalue, representing the securities received, and a liability, representing the\nobligation to return those securities.\nTrading Instruments\nTrading Instruments\nFinancial instruments utilized in trading activities are carried at fair value. Fair\nvalue is generally based on quoted market prices for the same or similar\nassets and liabilities. If these market prices are not available, fair values are\nestimated based on dealer quotes, pricing models, discounted cash flow\nmethodologies, or similar techniques where the determination of fair value\nmay require significant management judgment or estimation. Realized gains\nand losses are recorded on a trade-\nBank of America \n94\n94", "28d52a30-4698-4a7b-9ba0-55c317c4ca53": "date basis. Realized and unrealized gains and losses are recognized in\nmarket making and similar activities.\nDerivatives and Hedging Activities\nDerivatives and Hedging Activities\nDerivatives are entered into on behalf of customers, for trading or to support\nrisk management activities. Derivatives used in risk management activities\ninclude derivatives that are both designated in qualifying accounting hedge\nrelationships and derivatives used to hedge market risks in relationships that\nare not designated in qualifying accounting hedge relationships (referred to as\nother risk management activities). The Corporation manages interest rate and\nforeign currency exchange rate sensitivity predominantly through the use of\nderivatives. Derivatives utilized by the Corporation include swaps, futures and\nforward settlement contracts, and option contracts.\nAll derivatives are recorded on the Consolidated Balance Sheet at fair\nvalue, taking into consideration the effects of legally enforceable master\nnetting agreements that allow the Corporation to settle positive and negative\npositions and offset cash collateral held with the same counterparty on a net\nbasis. For exchange-traded contracts, fair value is based on quoted market\nprices in active or inactive markets or is derived from observable market-\nbased pricing parameters, similar to those applied to over-the-counter (OTC)\nderivatives. For non-exchange traded contracts, fair value is based on dealer\nquotes, pricing models, discounted cash flow methodologies or similar\ntechniques for which the determination of fair value may require significant\nmanagement judgment or estimation.\nValuations of derivative assets and liabilities reflect the value of the\ninstrument including counterparty credit risk. These values also take into\naccount the Corporation\u2019s own credit standing.\nTrading Derivatives and Other Risk Management Activities\nTrading Derivatives and Other Risk Management Activities\nDerivatives held for trading purposes are included in derivative assets or\nderivative liabilities on the Consolidated Balance Sheet with changes in fair\nvalue included in market making and similar activities.\nDerivatives used for other risk management activities are included in\nderivative assets or derivative liabilities. Derivatives used in other risk\nmanagement activities have not been designated in qualifying accounting\nhedge relationships because they did not qualify or the risk that is being\nmitigated pertains to an item that is reported at fair value through earnings so\nthat the effect of measuring the derivative instrument and the asset or liability\nto which the risk exposure pertains will offset in the Consolidated Statement of\nIncome to the extent effective. The changes in the fair value of derivatives that\nserve to mitigate certain risks associated with mortgage servicing rights\n(MSRs), interest rate lock commitments (IRLCs) and first-lien mortgage loans\nheld-for-sale (LHFS) that are originated by the Corporation are recorded in\nother income. Changes in the fair value of derivatives that serve to mitigate\ninterest rate risk and foreign currency risk are included in market making and\nsimilar activities. Credit derivatives are also used by the Corporation to\nmitigate the risk associated with various credit exposures. The changes in the\nfair value of these derivatives are included in market making and similar\nactivities and other income.\nDerivatives Used For Hedge Accounting Purposes\nDerivatives Used For Hedge Accounting Purposes\n(Accounting Hedges)\n(Accounting Hedges)\nFor accounting hedges, the Corporation formally documents at inception all\nrelationships between hedging instruments and hedged items, as well as the\nrisk management objectives and\nstrategies for undertaking various accounting hedges. Additionally, the\nCorporation primarily uses regression analysis at the inception of a hedge\nand for each reporting period thereafter to assess whether the derivative used\nin an accounting hedge transaction is expected to be and has been highly\neffective in offsetting changes in the fair value or cash flows of a hedged item\nor forecasted transaction. The Corporation discontinues hedge accounting\nwhen it is determined that a derivative is not expected to be or has ceased to\nbe highly effective as a hedge.\nFair value hedges are used to protect against changes in the fair value of\nthe Corporation\u2019s assets and liabilities that are attributable to interest rate or\nforeign exchange volatility. Changes in the fair value of derivatives designated\nas fair value hedges are recorded in earnings, together and in the same\nincome statement line item with changes in the fair value of the related\nhedged item. If a derivative instrument in a fair value hedge is terminated or\nthe hedge designation removed, the previous adjustments to the carrying\nvalue of the hedged asset or liability are subsequently accounted for in the\nsame manner as other components of the carrying value of that asset or\nliability. For interest-earning assets and interest-bearing liabilities, such\nadjustments are amortized to earnings over the remaining life of the respective\nasset or liability.", "db969a43-ef41-4cd6-a1df-4bd1db4a6cd8": "The Corporation discontinues hedge accounting\nwhen it is determined that a derivative is not expected to be or has ceased to\nbe highly effective as a hedge.\nFair value hedges are used to protect against changes in the fair value of\nthe Corporation\u2019s assets and liabilities that are attributable to interest rate or\nforeign exchange volatility. Changes in the fair value of derivatives designated\nas fair value hedges are recorded in earnings, together and in the same\nincome statement line item with changes in the fair value of the related\nhedged item. If a derivative instrument in a fair value hedge is terminated or\nthe hedge designation removed, the previous adjustments to the carrying\nvalue of the hedged asset or liability are subsequently accounted for in the\nsame manner as other components of the carrying value of that asset or\nliability. For interest-earning assets and interest-bearing liabilities, such\nadjustments are amortized to earnings over the remaining life of the respective\nasset or liability.\nCash flow hedges are used primarily to minimize the variability in cash\nflows of assets and liabilities or forecasted transactions caused by interest\nrate or foreign exchange rate fluctuations. The Corporation also uses cash\nflow hedges to hedge the price risk associated with deferred compensation.\nChanges in the fair value of derivatives used in cash flow hedges are recorded\nin accumulated other comprehensive income (OCI) and are reclassified into\nthe line item in the income statement in which the hedged item is recorded in\nthe same period the hedged item affects earnings. Components of a derivative\nthat are excluded in assessing hedge effectiveness are recorded in the same\nincome statement line item as the hedged item.\nNet investment hedges are used to manage the foreign exchange rate\nsensitivity arising from a net investment in a foreign operation. Changes in the\nspot prices of derivatives that are designated as net investment hedges of\nforeign operations are recorded as a component of accumulated OCI. The\nremaining components of these derivatives are excluded in assessing hedge\neffectiveness and are recorded in market making and similar activities.\nSecurities\nSecurities\nDebt securities are reported on the Consolidated Balance Sheet at their trade\ndate. Their classification is dependent on the purpose for which the securities\nwere acquired. Debt securities purchased for use in the Corporation\u2019s trading\nactivities are reported in trading account assets at fair value with unrealized\ngains and losses included in market making and similar activities.\nSubstantially all other debt securities purchased are used in the Corporation\u2019s\nasset and liability management (ALM) activities and are reported on the\nConsolidated Balance Sheet as either debt securities carried at fair value or\nas held-to-maturity (HTM) debt securities. Debt securities carried at fair value\nare either available-for-sale (AFS) securities with unrealized gains and losses\nnet-of-tax included in accumulated OCI or carried at fair value with unrealized\ngains and losses reported in market making and similar activities. HTM debt\nsecurities are debt securities that management has the intent and ability to\nhold to maturity and are reported at amortized cost. If more than \n85\n percent of\nthe principal has been collected\n95\n95\n \nBank of America", "1b1403d4-e3eb-4b9e-b98e-999c6982011e": "on level-payment mortgage-backed HTM debt securities since their\nacquisition, the debt securities, if disposed, are treated as matured for\nclassification purposes.\nThe Corporation evaluates each AFS security where the value has declined\nbelow amortized cost. If the Corporation intends to sell or believes it is more\nlikely than not that it will be required to sell the debt security, it is written down\nto fair value through earnings. For AFS debt securities the Corporation intends\nto hold, the Corporation evaluates the debt securities for ECL, except for debt\nsecurities that are guaranteed by the U.S. Treasury, U.S. government agencies\nor sovereign entities of high credit quality where the Corporation applies a zero\ncredit loss assumption. For the remaining AFS debt securities, the\nCorporation considers qualitative parameters such as internal and external\ncredit ratings and the value of underlying collateral. If an AFS debt security fails\nany of the qualitative parameters, a discounted cash flow analysis is used by\nthe Corporation to determine if a portion of the unrealized loss is a result of an\nECL. The Corporation will then recognize either credit loss expense or a\nreversal of credit loss expense in other income for the amount necessary to\nadjust the debt securities valuation allowance to its current estimate of\nexpected credit losses. Cash flows expected to be collected are estimated\nusing all relevant information available such as remaining payment terms,\nprepayment speeds, the financial condition of the issuer, expected defaults\nand the value of the underlying collateral. If any of the decline in fair value is\nrelated to market factors, that amount is recognized in accumulated OCI. In\ncertain instances, the credit loss may exceed the total decline in fair value, in\nwhich case, the allowance recorded is limited to the difference between the\namortized cost and the fair value of the asset.\nThe Corporation separately evaluates its HTM debt securities for any credit\nlosses, of which substantially all qualify for the zero loss assumption. For the\nremaining securities, the Corporation performs a discounted cash flow\nanalysis to estimate any credit losses which are then recognized as part of the\nallowance for credit losses.\nInterest on debt securities, including amortization of premiums and\naccretion of discounts, is included in interest income. Premiums and\ndiscounts are amortized or accreted to interest income at a constant effective\nyield over the contractual lives of the securities. Realized gains and losses\nfrom the sales or dispositions of debt securities are determined using the\nspecific identification method.\nEquity securities with readily determinable fair values that are not held for\ntrading purposes are carried at fair value with unrealized gains and losses\nincluded in other income. Equity securities that do not have readily\ndeterminable fair values are recorded at cost less impairment, if any, plus or\nminus qualifying observable price changes. These securities are reported in\nother assets.\nLoans and Leases\nLoans and Leases\nLoans, with the exception of loans accounted for under the fair value option,\nare measured at historical cost and reported at their outstanding principal\nbalances net of any unearned income, charge-offs, unamortized deferred fees\nand costs on originated loans, and for purchased loans, net of any\nunamortized premiums or discounts. Loan origination fees and certain direct\norigination costs are deferred and recognized as adjustments to interest\nincome over the lives of the related loans. Unearned income, discounts and\npremiums are amortized to interest income using a level yield methodology.\nThe Corporation elects to account for certain consumer and commercial loans\nunder the fair value option with interest\nreported in interest income and changes in fair value reported in market\nmaking and similar activities or other income.\nUnder applicable accounting guidance, for reporting purposes, the loan\nand lease portfolio is categorized by portfolio segment and, within each\nportfolio segment, by class of financing receivable. A portfolio segment is\ndefined as the level at which an entity develops and documents a systematic\nmethodology to determine the allowance for credit losses, and a class of\nfinancing receivable is defined as the level of disaggregation of portfolio\nsegments based on the initial measurement attribute, risk characteristics and\nmethods for assessing risk. The Corporation\u2019s \nthree\n portfolio segments are\nConsumer Real Estate, Credit Card and Other Consumer, and Commercial.\nThe classes within the Consumer Real Estate portfolio segment are\nresidential mortgage and home equity. The classes within the Credit Card and\nOther Consumer portfolio segment are credit card, direct/indirect consumer\nand other consumer. The classes within the Commercial portfolio segment\nare U.S. commercial, non-U.S.", "dc669a89-8110-4ebb-8ad3-c53ecb78a989": "Under applicable accounting guidance, for reporting purposes, the loan\nand lease portfolio is categorized by portfolio segment and, within each\nportfolio segment, by class of financing receivable. A portfolio segment is\ndefined as the level at which an entity develops and documents a systematic\nmethodology to determine the allowance for credit losses, and a class of\nfinancing receivable is defined as the level of disaggregation of portfolio\nsegments based on the initial measurement attribute, risk characteristics and\nmethods for assessing risk. The Corporation\u2019s \nthree\n portfolio segments are\nConsumer Real Estate, Credit Card and Other Consumer, and Commercial.\nThe classes within the Consumer Real Estate portfolio segment are\nresidential mortgage and home equity. The classes within the Credit Card and\nOther Consumer portfolio segment are credit card, direct/indirect consumer\nand other consumer. The classes within the Commercial portfolio segment\nare U.S. commercial, non-U.S. commercial, commercial real estate,\ncommercial lease financing and U.S. small business commercial.\nLeases\nLeases\nThe Corporation provides equipment financing to its customers through a\nvariety of lessor arrangements. Direct financing leases and sales-type leases\nare carried at the aggregate of lease payments receivable plus the estimated\nresidual value of the leased property less unearned income, which is accreted\nto interest income over the lease terms using methods that approximate the\ninterest method. Operating lease income is recognized on a straight-line\nbasis. The Corporation's lease arrangements generally do not contain non-\nlease components.\nAllowance for Credit Losses\nAllowance for Credit Losses\nThe ECL on funded consumer and commercial loans and leases is referred to\nas the allowance for loan and lease losses and is reported separately as a\ncontra-asset to loans and leases on the Consolidated Balance Sheet. The\nECL for unfunded lending commitments, including home equity lines of credit\n(HELOCs), standby letters of credit (SBLCs) and binding unfunded loan\ncommitments is reported on the Consolidated Balance Sheet in accrued\nexpenses and other liabilities. The provision for credit losses related to the\nloan and lease portfolio and unfunded lending commitments is reported in the\nConsolidated Statement of Income at the amount necessary to adjust the\nallowance for credit losses to the current estimate of ECL.\nFor loans and leases, the ECL is typically estimated using quantitative\nmethods that consider a variety of factors such as historical loss experience,\nthe current credit quality of the portfolio as well as an economic outlook over\nthe life of the loan. The life of the loan for closed-ended products is based on\nthe contractual maturity of the loan adjusted for any expected prepayments.\nThe contractual maturity includes any extension options that are at the sole\ndiscretion of the borrower. For open- ended products (e.g., lines of credit), the\nECL is determined based on the maximum repayment term associated with\nfuture draws from credit lines unless those lines of credit are unconditionally\ncancellable (e.g., credit cards) in which case the Corporation does not record\nany allowance.\nIn its loss forecasting framework, the Corporation incorporates forward-\nlooking information through the use of macroeconomic scenarios applied over\nthe forecasted life of the assets. These macroeconomic scenarios include\nvariables that have historically been key drivers of increases and decreases in\ncredit losses. These variables include, but are not limited to,\nBank of America \n96\n96", "a07fc740-ea05-424f-ab41-cf1bd25ff6b8": "unemployment rates, real estate prices, gross domestic product levels and\ncorporate bond spreads. As any one economic outlook is inherently uncertain,\nthe Corporation leverages multiple scenarios. The scenarios that are chosen\neach quarter and the weighting given to each scenario depend on a variety of\nfactors including recent economic events, leading economic indicators, views\nof internal and third-party economists and industry trends.\nThe estimate of credit losses includes expected recoveries of amounts\npreviously charged off (i.e., negative allowance). If a loan has been charged off,\nthe expected cash flows on the loan are not limited by the current amortized\ncost balance. Instead, expected cash flows can be assumed up to the unpaid\nprincipal balance immediately prior to the charge-off.\nIncluded in the allowance for loan and lease losses are qualitative\nreserves to cover losses that are expected but, in the Corporation's\nassessment, may not be adequately reflected in the quantitative methods or\nthe economic assumptions described above. For example, factors that the\nCorporation considers include changes in lending policies and procedures,\nbusiness conditions, the nature and size of the portfolio, portfolio\nconcentrations, the volume and severity of past due loans and nonaccrual\nloans, the effect of external factors such as competition, and legal and\nregulatory requirements, among others. Further, the Corporation considers the\ninherent uncertainty in quantitative models that are built on historical data.\nWith the exception of the Corporation's credit card portfolio, the Corporation\ndoes not include reserves for interest receivable in the measurement of the\nallowance for credit losses as the Corporation generally classifies consumer\nloans as nonperforming at \n90\n days past due and reverses interest income for\nthese loans at that time. For credit card loans, the Corporation reserves for\ninterest and fees as part of the allowance for loan and lease losses. Upon\ncharge-off of a credit card loan, the Corporation reverses the interest and fee\nincome against the income statement line item where it was originally\nrecorded.\nThe Corporation has identified the following \nthree\n portfolio segments and\nmeasures the allowance for credit losses using the following methods.\nConsumer Real Estate\nConsumer Real Estate\nTo estimate ECL for consumer loans secured by residential real estate, the\nCorporation estimates the number of loans that will default over the life of the\nexisting portfolio, after factoring in estimated prepayments, using quantitative\nmodeling methodologies. The attributes that are most significant in estimating\nthe Corporation\u2019s ECL include refreshed loan-to-value (LTV) or, in the case of\na subordinated lien, refreshed combined LTV (CLTV), borrower credit score,\nmonths since origination and geography, all of which are further broken down\nby present collection status (whether the loan is current, delinquent, in default,\nor in bankruptcy). The estimates are based on the Corporation\u2019s historical\nexperience with the loan portfolio, adjusted to reflect the economic outlook.\nThe outlook on the unemployment rate and consumer real estate prices are\nkey factors that impact the frequency and severity of loss estimates. The\nCorporation does not reserve for credit losses on the unpaid principal balance\nof loans insured by the Federal Housing Administration (FHA) and long-term\nstandby loans, as these loans are fully insured. The Corporation records a\nreserve for unfunded lending commitments for the ECL associated with the\nundrawn portion of the Corporation\u2019s HELOCs, which can only be canceled by\nthe Corporation if certain criteria are met.\nThe ECL associated with these unfunded lending commitments is calculated\nusing the same models and methodologies noted above and incorporate\nutilization assumptions at time of default.\nFor loans that are more than \n180\n days past due, the Corporation bases the\nallowance on the estimated fair value of the underlying collateral as of the\nreporting date less costs to sell. The fair value of the collateral securing these\nloans is generally determined using an automated valuation model (AVM) that\nestimates the value of a property by reference to market data including sales of\ncomparable properties and price trends specific to the Metropolitan Statistical\nArea in which the property being valued is located. In the event that an AVM\nvalue is not available, the Corporation utilizes publicized indices or if these\nmethods provide less reliable valuations, the Corporation uses appraisals or\nbroker price opinions to estimate the fair value of the collateral. While there is\ninherent imprecision in these valuations, the Corporation believes that they are\nrepresentative of this portfolio in the aggregate.", "570a202f-f172-4ca1-9a0c-e29de38038f8": "For loans that are more than \n180\n days past due, the Corporation bases the\nallowance on the estimated fair value of the underlying collateral as of the\nreporting date less costs to sell. The fair value of the collateral securing these\nloans is generally determined using an automated valuation model (AVM) that\nestimates the value of a property by reference to market data including sales of\ncomparable properties and price trends specific to the Metropolitan Statistical\nArea in which the property being valued is located. In the event that an AVM\nvalue is not available, the Corporation utilizes publicized indices or if these\nmethods provide less reliable valuations, the Corporation uses appraisals or\nbroker price opinions to estimate the fair value of the collateral. While there is\ninherent imprecision in these valuations, the Corporation believes that they are\nrepresentative of this portfolio in the aggregate.\nFor loans that are more than \n180\n days past due, with the exception of the\nCorporation\u2019s fully insured portfolio, the outstanding balance of loans that is in\nexcess of the estimated property value after adjusting for costs to sell is\ncharged off. If the estimated property value decreases in periods subsequent\nto the initial charge-off, the Corporation will record an additional charge-off;\nhowever, if the value increases in periods subsequent to the charge-off, the\nCorporation will adjust the allowance to account for the increase but not to a\nlevel above the cumulative charge-off amount.\nCredit Cards and Other Consumer\nCredit Cards and Other Consumer\nCredit cards are revolving lines of credit without a defined maturity date. The\nestimated life of a credit card receivable is determined by estimating the\namount and timing of expected future payments (e.g., borrowers making full\npayments, minimum payments or somewhere in between) that it will take for a\nreceivable balance to pay off. The ECL on the future payments incorporates the\nspending behavior of a borrower through time using key borrower-specific\nfactors and the economic outlook described above. The Corporation applies\nall expected payments in accordance with the Credit Card Accountability\nResponsibility and Disclosure Act of 2009 (i.e., paying down the highest\ninterest rate bucket first). Then forecasted future payments are prioritized to\npay off the oldest balance until it is brought to zero or an expected charge-off\namount. Unemployment rate outlook, borrower credit score, delinquency\nstatus and historical payment behavior are all key inputs into the credit card\nreceivable loss forecasting model. Future draws on the credit card lines are\nexcluded from the ECL as they are unconditionally cancellable.\nThe ECL for the consumer vehicle lending portfolio is also determined\nusing quantitative methods supplemented with qualitative analysis. The\nquantitative model estimates ECL giving consideration to key borrower and\nloan characteristics such as delinquency status, borrower credit score, LTV\nratio, underlying collateral type and collateral value.\nCommercial\nCommercial\nThe ECL on commercial loans is forecasted using models that estimate credit\nlosses over the loan\u2019s contractual life at an individual loan level. The models\nuse the contractual terms to forecast future principal cash flows while also\nconsidering expected prepayments. For open-ended commitments such as\nrevolving lines of credit, changes in funded balance are captured by\nforecasting a borrower\u2019s draw and payment behavior over the\n97\n97\n \nBank of America", "e931d323-5b3e-4f2f-8eba-acd658979b3a": "remaining life of the commitment. For loans collateralized with commercial\nreal estate and for which the underlying asset is the primary source of\nrepayment, the loss forecasting models consider key loan and customer\nattributes such as LTV ratio, net operating income and debt service coverage,\nand captures variations in behavior according to property type and region. The\noutlook on the unemployment rate, gross domestic product, and forecasted\nreal estate prices are utilized to determine indicators such as rent levels and\nvacancy rates, which impact the ECL estimate. For all other commercial loans\nand leases, the loss forecasting model determines the probabilities of\ntransition to different credit risk ratings or default at each point over the life of\nthe asset based on the borrower\u2019s current credit risk rating, industry sector,\nsize of the exposure and the geographic market. The severity of loss is\ndetermined based on the type of collateral securing the exposure, the size of\nthe exposure, the borrower\u2019s industry sector, any guarantors and the\ngeographic market. Assumptions of expected loss are conditioned to the\neconomic outlook, and the model considers key economic variables such as\nunemployment rate, gross domestic product, corporate bond spreads, real\nestate and other asset prices and equity market returns.\nIn addition to the allowance for loan and lease losses, the Corporation also\nestimates ECL related to unfunded lending commitments such as letters of\ncredit, financial guarantees, unfunded bankers acceptances and binding loan\ncommitments, excluding commitments accounted for under the fair value\noption. Reserves are estimated for the unfunded exposure using the same\nmodels and methodologies as the funded exposure and are reported as\nreserves for unfunded lending commitments.\nNonperforming Loans and Leases, Charge-offs and\nNonperforming Loans and Leases, Charge-offs and\nDelinquencies\nDelinquencies\nNonperforming loans and leases generally include loans and leases that\nhave been placed on nonaccrual status. Loans accounted for under the fair\nvalue option and LHFS are not reported as nonperforming. When a nonaccrual\nloan is deemed uncollectible, it is charged off against the allowance for credit\nlosses. If the charged-off amount is later recovered, the amount is reversed\nthrough the allowance for credit losses at the recovery date. Charge-offs are\nreported net of recoveries (net charge-offs). If recoveries for the period are\ngreater than charge- offs, net charge-offs are reported as a negative amount.\nIn accordance with the Corporation\u2019s policies, consumer real estate-\nsecured loans, including residential mortgages and home equity loans, are\ngenerally placed on nonaccrual status and classified as nonperforming at \n90\ndays past due unless repayment of the loan is insured by the FHA or through\nindividually insured long-term standby agreements with Fannie Mae (FNMA) or\nFreddie Mac (FHLMC) (the fully-insured portfolio). Residential mortgage loans\nin the fully-insured portfolio are not placed on nonaccrual status and, therefore,\nare not reported as nonperforming. Junior-lien home equity loans are placed\non nonaccrual status and classified as nonperforming when the underlying\nfirst-lien mortgage loan becomes \n90\n days past due even if the junior-lien loan\nis current. The outstanding balance of real estate-secured loans that is in\nexcess of the estimated property value less costs to sell is charged off no later\nthan the end of the month in which the loan becomes \n180\n days past due\nunless the loan is fully insured, or for loans in bankruptcy, within \n60\n days of\nreceipt of notification of filing, with the remaining balance classified as\nnonperforming.\nCredit card and other unsecured consumer loans are charged off when the\nloan becomes \n180\n days past due, within\n60\n days after receipt of notification of death or bankruptcy or upon confirmation\nof fraud. These loans continue to accrue interest until they are charged off and,\ntherefore, are not reported as nonperforming loans. Consumer vehicle loans\nare placed on nonaccrual status when they become \n90\n days past due, within\n60\n days after receipt of notification of bankruptcy or death or upon confirmation\nof fraud. These loans are charged off to their collateral values when the loans\nbecome \n120\n days past due, upon repossession of the collateral, within \n60\ndays after receipt of notification of bankruptcy or death or upon confirmation of\nfraud. If repossession of the collateral is not expected, the loans are fully\ncharged off.", "244b9f07-f3d4-4754-9e05-f60385e3625d": "Credit card and other unsecured consumer loans are charged off when the\nloan becomes \n180\n days past due, within\n60\n days after receipt of notification of death or bankruptcy or upon confirmation\nof fraud. These loans continue to accrue interest until they are charged off and,\ntherefore, are not reported as nonperforming loans. Consumer vehicle loans\nare placed on nonaccrual status when they become \n90\n days past due, within\n60\n days after receipt of notification of bankruptcy or death or upon confirmation\nof fraud. These loans are charged off to their collateral values when the loans\nbecome \n120\n days past due, upon repossession of the collateral, within \n60\ndays after receipt of notification of bankruptcy or death or upon confirmation of\nfraud. If repossession of the collateral is not expected, the loans are fully\ncharged off.\nCommercial loans and leases, excluding business card loans, that are\npast due \n90\n days or more as to principal or interest, or where reasonable\ndoubt exists as to timely collection, including loans that are individually\nidentified as being impaired, are generally placed on nonaccrual status and\nclassified as nonperforming unless well-secured and in the process of\ncollection.\nBusiness card loans are charged off in the same manner as consumer\ncredit card loans. Other commercial loans and leases are generally charged\noff when all or a portion of the principal amount is determined to be\nuncollectible.\nThe entire balance of a consumer loan or commercial loan or lease is\ncontractually delinquent if the minimum payment is not received by the\nspecified due date on the customer\u2019s billing statement. Interest and fees\ncontinue to accrue on past due loans and leases until the date the loan is\nplaced on nonaccrual status, if applicable. Accrued interest receivable is\nreversed when loans and leases are placed on nonaccrual status. Interest\ncollections on nonaccruing loans and leases for which the ultimate\ncollectability of principal is uncertain are applied as principal reductions;\notherwise, such collections are credited to income when received. Loans and\nleases may be restored to accrual status when all principal and interest is\ncurrent and full repayment of the remaining contractual principal and interest is\nexpected.\nLoans Held-for-sale\nLoans Held-for-sale\nLoans that the Corporation intends to sell in the foreseeable future, including\nresidential mortgages, loan syndications, and to a lesser degree, commercial\nreal estate, consumer finance and other loans, are reported as LHFS and are\ncarried at the lower of aggregate cost or fair value. The Corporation accounts\nfor certain LHFS, including residential mortgage LHFS, under the fair value\noption. Loan origination costs for LHFS carried at the lower of cost or fair value\nare capitalized as part of the carrying value of the loans and, upon the sale of a\nloan, are recognized as part of the gain or loss in noninterest income. LHFS\nthat are on nonaccrual status and are reported as nonperforming, as defined\nin the policy herein, are reported separately from nonperforming loans and\nleases.\nPremises and Equipment\nPremises and Equipment\nPremises and equipment are carried at cost less accumulated depreciation\nand amortization. Depreciation and amortization are recognized using the\nstraight-line method over the estimated useful lives of the assets. Estimated\nlives range up to \n40\n years for buildings, up to \n12\n years for furniture and\nequipment, and the shorter of lease term or estimated useful life for leasehold\nimprovements.\nOther Assets\nOther Assets\nFor the Corporation\u2019s financial assets that are measured at amortized cost\nand are not included in debt securities or loans\nBank of America \n98\n98", "94196534-1ffd-4223-b7ca-e9ffbd77967e": "and leases on the Consolidated Balance Sheet, the Corporation evaluates\nthese assets for ECL using various techniques. For assets that are subject to\ncollateral maintenance provisions, including federal funds sold and securities\nborrowed or purchased under agreements to resell, where the collateral\nconsists of daily margining of liquid and marketable assets where the\nmargining is expected to be maintained into the foreseeable future, the\nexpected losses are assumed to be \nzero\n. For all other assets, the Corporation\nperforms qualitative analyses, including consideration of historical losses and\ncurrent economic conditions, to estimate any ECL which are then included in a\nvaluation account that is recorded as a contra-asset against the amortized\ncost basis of the financial asset.\nLessee Arrangements\nLessee Arrangements\nSubstantially all of the Corporation\u2019s lessee arrangements are operating\nleases. Under these arrangements, the Corporation records right-of-use\nassets and lease liabilities at lease commencement. Right-of-use assets are\nreported in \nother assets\n on the Consolidated Balance Sheet, and the related\nlease liabilities are reported in \naccrued expenses and other liabilities\n. All\nleases are recorded on the Consolidated Balance Sheet except leases with\nan initial term less than 12 months for which the Corporation made the short-\nterm lease election. Lease expense is recognized on a straight-line basis over\nthe lease term and is recorded in occupancy and equipment expense in the\nConsolidated Statement of Income.\nThe Corporation made an accounting policy election not to separate lease\nand non-lease components of a contract that is or contains a lease for its real\nestate and equipment leases. As such, lease payments represent payments\non both lease and non-lease components. At lease commencement, lease\nliabilities are recognized based on the present value of the remaining lease\npayments and discounted using the Corporation\u2019s incremental borrowing rate.\nRight-of-use assets initially equal the lease liability, adjusted for any lease\npayments made prior to lease commencement and for any lease incentives.\nGoodwill and Intangible Assets\nGoodwill and Intangible Assets\nGoodwill is the purchase premium after adjusting for the fair value of net\nassets acquired. Goodwill is not amortized but is reviewed for potential\nimpairment on an annual basis, or when events or circumstances indicate a\npotential impairment, at the reporting unit level. A reporting unit is a business\nsegment or one level below a business segment.\nThe Corporation assesses the fair value of each reporting unit against its\ncarrying value, including goodwill, as measured by allocated equity. For\npurposes of goodwill impairment testing, the Corporation utilizes allocated\nequity as a proxy for the carrying value of its reporting units. Allocated equity in\nthe reporting units is comprised of allocated capital plus capital for the portion\nof goodwill and intangibles specifically assigned to the reporting unit.\nIn performing its goodwill impairment testing, the Corporation first\nassesses qualitative factors to determine whether it is more likely than not that\nthe fair value of a reporting unit is less than its carrying value. Qualitative\nfactors include, among other things, macroeconomic conditions, industry and\nmarket considerations, financial performance of the respective reporting unit\nand other relevant entity- and reporting-unit specific considerations.\nIf the Corporation concludes it is more likely than not that the fair value of a\nreporting unit is less than its carrying value, a\nquantitative assessment is performed. The Corporation has an unconditional\noption to bypass the qualitative assessment for any reporting unit in any period\nand proceed directly to performing the quantitative goodwill impairment test.\nThe Corporation may resume performing the qualitative assessment in any\nsubsequent period.\nWhen performing the quantitative assessment, if the fair value of the\nreporting unit exceeds its carrying value, goodwill of the reporting unit would\nnot be considered impaired. If the carrying value of the reporting unit exceeds\nits fair value, a goodwill impairment loss would be recognized for the amount\nby which the reporting unit\u2019s allocated equity exceeds its fair value. An\nimpairment loss recognized cannot exceed the amount of goodwill assigned\nto a reporting unit. An impairment loss establishes a new basis in the\ngoodwill, and subsequent reversals of goodwill impairment losses are not\npermitted under applicable accounting guidance.\nFor intangible assets subject to amortization, an impairment loss is\nrecognized if the carrying value of the intangible asset is not recoverable and\nexceeds fair value. The carrying value of the intangible asset is considered not\nrecoverable if it exceeds the sum of the undiscounted cash flows expected to\nresult from the use of the asset. Intangible assets deemed to have indefinite\nuseful lives are not subject to amortization.", "069d927c-c662-4235-9860-e459abb53bde": "If the carrying value of the reporting unit exceeds\nits fair value, a goodwill impairment loss would be recognized for the amount\nby which the reporting unit\u2019s allocated equity exceeds its fair value. An\nimpairment loss recognized cannot exceed the amount of goodwill assigned\nto a reporting unit. An impairment loss establishes a new basis in the\ngoodwill, and subsequent reversals of goodwill impairment losses are not\npermitted under applicable accounting guidance.\nFor intangible assets subject to amortization, an impairment loss is\nrecognized if the carrying value of the intangible asset is not recoverable and\nexceeds fair value. The carrying value of the intangible asset is considered not\nrecoverable if it exceeds the sum of the undiscounted cash flows expected to\nresult from the use of the asset. Intangible assets deemed to have indefinite\nuseful lives are not subject to amortization. An impairment loss is recognized if\nthe carrying value of the intangible asset with an indefinite life exceeds its fair\nvalue.\nVariable Interest Entities\nVariable Interest Entities\nA VIE is an entity that lacks equity investors or whose equity investors do not\nhave a controlling financial interest in the entity through their equity\ninvestments. The Corporation consolidates a VIE if it has both the power to\ndirect the activities of the VIE that most significantly impact the VIE\u2019s economic\nperformance and an obligation to absorb losses or the right to receive benefits\nthat could potentially be significant to the VIE. On a quarterly basis, the\nCorporation reassesses its involvement with the VIE and evaluates the impact\nof changes in governing documents and its financial interests in the VIE. The\nconsolidation status of the VIEs with which the Corporation is involved may\nchange as a result of such reassessments.\nThe Corporation primarily uses VIEs for its securitization activities, in which\nthe Corporation transfers whole loans or debt securities into a trust or other\nvehicle. When the Corporation is the servicer of whole loans held in a\nsecuritization trust, including non-agency residential mortgages, home equity\nloans, credit cards, and other loans, the Corporation has the power to direct\nthe most significant activities of the trust. The Corporation generally does not\nhave the power to direct the most significant activities of a residential\nmortgage agency trust except in certain circumstances in which the\nCorporation holds substantially all of the issued securities and has the\nunilateral right to liquidate the trust. The power to direct the most significant\nactivities of a commercial mortgage securitization trust is typically held by the\nspecial servicer or by the party holding specific subordinate securities which\nembody certain controlling rights. The Corporation \nconsolidates a \nwhole-loan\nsecuritization \ntrust if it has the power to direct the most significant activities and\nalso holds securities issued by the trust or has other contractual\narrangements, other than standard representations and warranties, that could\npotentially be significant to the trust.\nThe Corporation may also transfer trading account securities and AFS\nsecurities into municipal bond or resecuritization trusts. The Corporation\nconsolidates a municipal bond or resecuritization trust if it has control over the\nongoing activities of the trust such as the remarketing of the trust\u2019s liabilities\nor, if\n99\n99\n \nBank of America", "0c7aef09-ab93-4e07-99f9-3534fdec2c17": "there are no ongoing activities, sole discretion over the design of the trust,\nincluding the identification of securities to be transferred in and the structure of\nsecurities to be issued, and also retains securities or has liquidity or other\ncommitments that could potentially be significant to the trust. The Corporation\ndoes not consolidate a municipal bond or resecuritization trust if one or a\nlimited number of third-party investors share responsibility for the design of the\ntrust or have control over the significant activities of the trust through liquidation\nor other substantive rights.\nOther VIEs used by the Corporation include collateralized debt obligations\n(CDOs), investment vehicles created on behalf of customers and other\ninvestment vehicles. The Corporation does not routinely serve as collateral\nmanager for CDOs and, therefore, does not typically have the power to direct\nthe activities that most significantly impact the economic performance of a\nCDO. However, following an event of default, if the Corporation is a majority\nholder of senior securities issued by a CDO and acquires the power to\nmanage its assets, the Corporation consolidates the CDO.\nThe Corporation consolidates a customer or other investment vehicle if it\nhas control over the initial design of the vehicle or manages the assets in the\nvehicle and also absorbs potentially significant gains or losses through an\ninvestment in the vehicle, derivative contracts or other arrangements. The\nCorporation does not consolidate an investment vehicle if a single investor\ncontrolled the initial design of the vehicle or manages the assets in the\nvehicles or if the Corporation does not have a variable interest that could\npotentially be significant to the vehicle.\nRetained interests in securitized assets are initially recorded at fair value.\nIn addition, the Corporation may invest in debt securities issued by\nunconsolidated VIEs. Fair values of these debt securities, which are classified\nas trading account assets, debt securities carried at fair value or HTM\nsecurities, are based primarily on quoted market prices in active or inactive\nmarkets. Generally, quoted market prices for retained residual interests are\nnot available; therefore, the Corporation estimates fair values based on the\npresent value of the associated expected future cash flows.\nFair Value\nThe Corporation measures the fair values of its assets and liabilities, where\napplicable, in accordance with accounting guidance that requires an entity to\nbase fair value on exit price. Under this guidance, an entity is required to\nmaximize the use of observable inputs and minimize the use of unobservable\ninputs in measuring fair value. Under applicable accounting standards, fair\nvalue measurements are categorized into one of three levels based on the\ninputs to the valuation technique with the highest priority given to unadjusted\nquoted prices in active markets and the lowest priority given to unobservable\ninputs. The Corporation categorizes its fair value measurements of financial\ninstruments based on this three-level hierarchy.\nLevel 1\nLevel 1\nUnadjusted quoted prices in active markets for identical assets or\nliabilities. Level 1 assets and liabilities include debt and equity\nsecurities and derivative contracts that are traded in an active\nexchange market, as well as certain U.S. Treasury securities that are\nhighly liquid and are actively traded in OTC markets.\nLevel 2\nLevel 2\nObservable inputs other than Level 1 prices, such as quoted prices\nfor similar assets or liabilities, quoted prices in markets that are not\nactive, or other inputs\nthat are observable or can be corroborated by observable market data\nfor substantially the full term of the assets or liabilities. Level 2 assets\nand liabilities include debt securities with quoted prices that are\ntraded less frequently than exchange-traded instruments and\nderivative contracts where fair value is determined using a pricing\nmodel with inputs that are observable in the market or can be derived\nprincipally from or corroborated by observable market data. This\ncategory generally includes U.S. government and agency mortgage-\nbacked (MBS) and asset-backed securities (ABS), corporate debt\nsecurities, derivative contracts, certain loans and LHFS.\nLevel 3\nLevel 3\nUnobservable inputs that are supported by little or no market activity\nand that are significant to the overall fair value of the assets or\nliabilities. Level 3 assets and liabilities include financial instruments\nfor which the determination of fair value requires significant\nmanagement judgment or estimation. The fair value for such assets\nand liabilities is generally determined using pricing models,\ndiscounted cash flow methodologies or similar techniques that\nincorporate the assumptions a market participant would use in\npricing the asset or liability.", "cba47c48-66b1-4395-9ceb-848b13cf6759": "This\ncategory generally includes U.S. government and agency mortgage-\nbacked (MBS) and asset-backed securities (ABS), corporate debt\nsecurities, derivative contracts, certain loans and LHFS.\nLevel 3\nLevel 3\nUnobservable inputs that are supported by little or no market activity\nand that are significant to the overall fair value of the assets or\nliabilities. Level 3 assets and liabilities include financial instruments\nfor which the determination of fair value requires significant\nmanagement judgment or estimation. The fair value for such assets\nand liabilities is generally determined using pricing models,\ndiscounted cash flow methodologies or similar techniques that\nincorporate the assumptions a market participant would use in\npricing the asset or liability. This category generally includes retained\nresidual interests in securitizations, consumer MSRs, certain ABS,\nhighly structured, complex or long-dated derivative contracts, certain\nloans and LHFS, IRLCs and certain CDOs where independent pricing\ninformation cannot be obtained for a significant portion of the\nunderlying assets.\nIncome Taxes\nThere are two components of income tax expense: current and deferred.\nCurrent income tax expense reflects taxes to be paid or refunded for the\ncurrent period. Deferred income tax expense results from changes in deferred\ntax assets and liabilities between periods. These gross deferred tax assets\nand liabilities represent decreases or increases in taxes expected to be paid\nin the future because of future reversals of temporary differences in the bases\nof assets and liabilities as measured by tax laws and their bases as reported\nin the financial statements. Deferred tax assets are also recognized for tax\nattributes such as net operating loss carryforwards and tax credit\ncarryforwards. Valuation allowances are recorded to reduce deferred tax\nassets to the amounts management concludes are more likely than not to be\nrealized.\nIncome tax benefits are recognized and measured based upon a two-step\nmodel: first, a tax position must be more likely than not to be sustained based\nsolely on its technical merits in order to be recognized, and second, the benefit\nis measured as the largest dollar amount of that position that is more likely\nthan not to be sustained upon settlement. The difference between the benefit\nrecognized and the tax benefit claimed on a tax return is referred to as an\nunrecognized tax benefit. The Corporation records income tax-related interest\nand penalties, if applicable, within income tax expense.\nRevenue Recognition\nThe following summarizes the Corporation\u2019s revenue recognition accounting\npolicies for certain noninterest income activities.\nCard Income\nCard income includes annual, late and over-limit fees as well as interchange,\ncash advances and other miscellaneous items from credit and debit card\ntransactions and from processing card transactions for merchants. Card\nincome is presented net\nBank of America \n100\n100", "37b7a764-1ad0-4a04-82f1-9b6c42c18dd6": "of direct costs. Interchange fees are recognized upon settlement of the credit\nand debit card payment transactions and are generally determined on a\npercentage basis for credit cards and fixed rates for debit cards based on the\ncorresponding payment network\u2019s rates. Substantially all card fees are\nrecognized at the transaction date, except for certain time-based fees such as\nannual fees, which are recognized over 12 months. Fees charged to\ncardholders and merchants that are estimated to be uncollectible are reserved\nin the allowance for loan and lease losses. Included in direct cost are rewards\nand credit card partner payments. Rewards paid to cardholders are related to\npoints earned by the cardholder that can be redeemed for a broad range of\nrewards including cash, travel and gift cards. The points to be redeemed are\nestimated based on past redemption behavior, card product type, account\ntransaction activity and other historical card performance. The liability is\nreduced as the points are redeemed. The Corporation also makes payments\nto credit card partners. The payments are based on revenue-sharing\nagreements that are generally driven by cardholder transactions and partner\nsales volumes. As part of the revenue-sharing agreements, the credit card\npartner provides the Corporation exclusive rights to market to the credit card\npartner\u2019s members or customers on behalf of the Corporation.\nService Charges\nService charges include deposit and lending-related fees. Deposit-related\nfees consist of fees earned on consumer and commercial deposit activities\nand are generally recognized when the transactions occur or as the service is\nperformed. Consumer fees are earned on consumer deposit accounts for\naccount maintenance and various transaction-based services, such as ATM\ntransactions, wire transfer activities, check and money order processing and\ninsufficient funds/overdraft transactions. Commercial deposit-related fees are\nfrom the Corporation\u2019s Global Transaction Services business and consist of\ncommercial deposit and treasury management services, including account\nmaintenance and other services, such as payroll, sweep account and other\ncash management services. Lending-related fees generally represent\ntransactional fees earned from certain loan commitments, financial\nguarantees and SBLCs.\nInvestment and Brokerage Services\nInvestment and brokerage services consist of asset management and\nbrokerage fees. Asset management fees are earned from the management of\nclient assets under advisory agreements or the full discretion of the\nCorporation\u2019s financial advisors (collectively referred to as assets under\nmanagement (AUM)). Asset management fees are earned as a percentage of\nthe client\u2019s AUM and generally range from \n50\n \nbasis points (bps) to \n150\n bps of\nthe AUM. In cases where a third party is used to obtain a client\u2019s investment\nallocation, the fee remitted to the third party is recorded net and is not reflected\nin the transaction price, as the Corporation is an agent for those services.\nBrokerage fees include income earned from transaction-based services\nthat are performed as part of investment management services and are based\non a fixed price per unit or as a percentage of the total transaction amount.\nBrokerage fees also include distribution fees and sales commissions that are\nprimarily in the \nGlobal Wealth & Investment Management (GWIM)\n segment\nand are earned over time. In addition, primarily in the \nGlobal Markets\n segment,\nbrokerage fees are earned when the Corporation \nfills customer orders to buy\nor sell various financial\nproducts or when it acknowledges, affirms, settles and clears transactions\nand/or submits trade information to the appropriate clearing broker. Certain\ncustomers pay brokerage, clearing and/or exchange fees imposed by relevant\nregulatory bodies or exchanges in order to execute or clear trades. These fees\nare recorded net and are not reflected in the transaction price, as the\nCorporation is an agent for those services.\nInvestment Banking Income\nInvestment banking income includes underwriting income and financial\nadvisory services income. Underwriting consists of fees earned for the\nplacement of a customer\u2019s debt or equity securities. The revenue is generally\nearned based on a percentage of the fixed number of shares or principal\nplaced. Once the number of shares or notes is determined and the service is\ncompleted, the underwriting fees are recognized. The Corporation incurs\ncertain out-of-pocket expenses, such as legal costs, in performing these\nservices. These expenses are recovered through the revenue the Corporation\nearns from the customer and are included in operating expenses. Syndication\nfees represent fees earned as the agent or lead lender responsible for\nstructuring, arranging and administering a loan syndication.\nFinancial advisory services consist of fees earned for assisting clients with\ntransactions related to mergers and acquisitions and financial restructurings.", "40f91620-b177-4042-8624-eeee19534ae6": "Investment Banking Income\nInvestment banking income includes underwriting income and financial\nadvisory services income. Underwriting consists of fees earned for the\nplacement of a customer\u2019s debt or equity securities. The revenue is generally\nearned based on a percentage of the fixed number of shares or principal\nplaced. Once the number of shares or notes is determined and the service is\ncompleted, the underwriting fees are recognized. The Corporation incurs\ncertain out-of-pocket expenses, such as legal costs, in performing these\nservices. These expenses are recovered through the revenue the Corporation\nearns from the customer and are included in operating expenses. Syndication\nfees represent fees earned as the agent or lead lender responsible for\nstructuring, arranging and administering a loan syndication.\nFinancial advisory services consist of fees earned for assisting clients with\ntransactions related to mergers and acquisitions and financial restructurings.\nRevenue varies depending on the size of the transaction and scope of\nservices performed and is generally contingent on successful completion of\nthe transaction. Revenue is typically recognized once the transaction is\ncompleted and all services have been rendered. Additionally, the Corporation\nmay earn a fixed fee in merger and acquisition transactions to provide a\nfairness opinion, with the fees recognized when the opinion is delivered to the\nclient.\nOther Revenue Measurement and Recognition Policies\nOther Revenue Measurement and Recognition Policies\nThe Corporation did not disclose the value of any open performance\nobligations at December 31, 2023, as its contracts with customers generally\nhave a fixed term that is less than one year, an open term with a cancellation\nperiod that is less than one year, or provisions that allow the Corporation to\nrecognize revenue at the amount it has the right to invoice.\nEarnings Per Common Share\nEarnings Per Common Share\nEarnings per common share (EPS) is computed by dividing net income\nallocated to common shareholders by the weighted-average common shares\noutstanding, excluding unvested common shares subject to repurchase or\ncancellation. Net income allocated to common shareholders is net income\nadjusted for preferred stock dividends including dividends declared, accretion\nof discounts on preferred stock including accelerated accretion when preferred\nstock is repaid early, and cumulative dividends related to the current dividend\nperiod that have not been declared as of period end, less income allocated to\nparticipating securities. Diluted EPS is computed by dividing income allocated\nto common shareholders plus dividends on dilutive convertible preferred stock\nand preferred stock that can be tendered to exercise warrants, by the\nweighted-average common shares outstanding plus amounts representing\nthe dilutive effect of stock options outstanding, restricted stock, restricted stock\nunits (RSUs), outstanding warrants and the dilution resulting from the\nconversion of convertible preferred stock, if applicable.\n101\n101\n \nBank of America", "fe7dc100-b916-4c30-986a-f257444d1931": "Foreign Currency Translation\nForeign Currency Translation\nAssets, liabilities and operations of foreign branches and subsidiaries are\nrecorded based on the functional currency of each entity. When the functional\ncurrency of a foreign operation is the local currency, the assets, liabilities and\noperations are translated, for consolidation purposes, from the local currency\nto the U.S. dollar reporting currency at period-end rates for\nassets and liabilities and generally at average rates for results of operations.\nThe resulting unrealized gains and losses are reported as a component of\naccumulated OCI, net-of-tax. When the foreign entity\u2019s functional currency is\nthe U.S. dollar, the resulting remeasurement gains or losses on foreign\ncurrency-denominated assets or liabilities are included in earnings.\nNOTE 2 \nNet Interest Income and Noninterest Income\nNet Interest Income and Noninterest Income\nThe table below presents the Corporation\u2019s net interest income and noninterest income disaggregated by revenue source for 2023, 2022 and 2021. \nFor more\ninformation, see \nNote 1 \u2013 Summary of Significant Accounting Principles. \nFor a disaggregation of noninterest income by business segment and \nAll Other\n, see\nNote 23 \u2013 Business Segment Information.", "b670c6d2-96d9-4fc3-986a-15c900b7804b": "dollar reporting currency at period-end rates for\nassets and liabilities and generally at average rates for results of operations.\nThe resulting unrealized gains and losses are reported as a component of\naccumulated OCI, net-of-tax. When the foreign entity\u2019s functional currency is\nthe U.S. dollar, the resulting remeasurement gains or losses on foreign\ncurrency-denominated assets or liabilities are included in earnings.\nNOTE 2 \nNet Interest Income and Noninterest Income\nNet Interest Income and Noninterest Income\nThe table below presents the Corporation\u2019s net interest income and noninterest income disaggregated by revenue source for 2023, 2022 and 2021. \nFor more\ninformation, see \nNote 1 \u2013 Summary of Significant Accounting Principles. \nFor a disaggregation of noninterest income by business segment and \nAll Other\n, see\nNote 23 \u2013 Business Segment Information.\n(Dollars in millions)\n2023\n2023\n2022\n2021\nNet interest income\nNet interest income\nInterest income\nInterest income\nLoans and leases\n$\n$\n57,124\n57,124\n \n$\n37,919\n \n$\n29,282\n \nDebt securities\n20,226\n20,226\n \n17,127\n \n12,376\n \nFederal funds sold and securities borrowed or purchased under agreements to resell \n18,679\n18,679\n \n4,560\n \n(\n90\n)\nTrading account assets\n8,773\n8,773\n \n5,521\n \n3,770\n \nOther interest income\n25,460\n25,460\n \n7,438\n \n2,334\n \nTotal interest income\n130,262\n130,262\n \n72,565\n \n47,672\n \nInterest expense\nInterest expense\nDeposits\n26,163\n26,163\n \n4,718\n \n537\n \nShort-term borrowings \n30,553\n30,553\n \n6,978\n \n(\n358\n)\nTrading account liabilities\n2,043\n2,043\n \n1,538\n \n1,128\n \nLong-term debt\n14,572\n14,572\n \n6,869\n \n3,431\n \nTotal interest expense\n73,331\n73,331\n \n20,103\n \n4,738\n \nNet interest income\n$\n$\n56,931\n56,931\n \n$\n52,462\n \n$\n42,934\n \nNoninterest income\nNoninterest income\nFees and commissions\nFees and commissions\nCard income\nCard income\nInterchange fees \n$\n$\n3,983\n3,983\n \n$\n4,096\n \n$\n4,560\n \nOther card income\n2,071\n2,071\n \n1,987\n \n1,658\n \nTotal card income\n6,054\n6,054\n \n6,083\n \n6,218\n \nService charges\nService charges\nDeposit-related fees\n4,382\n4,382\n \n5,190\n \n6,271\n \nLending-related fees\n1,302\n1,302\n \n1,215\n \n1,233\n \nTotal service charges\n5,684\n5,684\n \n6,405\n \n7,504\n \nInvestment and brokerage services\nInvestment and brokerage services\nAsset management fees\n12,002\n12,002\n \n12,152\n \n12,729\n \nBrokerage fees\n3,561\n3,561\n \n3,749\n \n3,961\n \nTotal investment and brokerage services\n15,563\n15,563\n \n15,901\n \n16,690\n \nInvestment banking fees\nInvestment banking fees\nUnderwriting income\n2,235\n2,235\n \n1,970\n \n5,077\n \nSyndication fees\n898\n898\n \n1,070\n \n1,499\n \nFinancial advisory services\n1,575\n1,575\n \n1,783\n \n2,311\n \nTotal investment banking fees\n4,708\n4,708\n \n4,823\n \n8,887\n \nTotal fees and commissions\nTotal fees and commissions\n32,009\n32,009\n \n33,212\n \n39,299\n \nMarket making and similar activities\nMarket making and similar activities\n12,732\n12,732\n \n12,075\n \n8,691\n \nOther income (loss)\nOther income (loss)\n(\n(\n3,091\n3,091\n)\n)\n(\n2,799\n)\n(\n1,811\n)\nTotal noninterest income\nTotal noninterest income\n$\n$\n41,650\n41,650\n \n$\n42,488\n \n$\n46,179\n \nFor more information on negative interest, see \nNote 1 \u2013 Summary of Significant Accounting Principles\n.", "25e2838f-1efb-48c3-b226-d7147b49ad13": "Gross interchange fees and merchant income were $\n13.3\n billion, $\n12.9\n billion and $\n11.5\n billion for 2023, 2022 and 2021, respectively, and are presented net of $\n9.3\n billion, $\n8.8\n billion and $\n6.9\n billion of expenses for rewards and partner payments as well as certain\nother card costs for the same periods.\n(1)\n(1)\n(2)\n(1)\n(2)\nBank of America \n102\n102", "448622ba-2618-413f-b6cc-74de9a6f3f88": "NOTE 3 \nNOTE 3 \nDerivatives\nDerivatives\nDerivative Balances\nDerivative Balances\nDerivatives are entered into on behalf of customers, for trading or to support\nrisk management activities. Derivatives used in risk management activities\ninclude derivatives that may or may not be designated in qualifying hedge\naccounting relationships. Derivatives that are not designated in qualifying\nhedge accounting relationships are referred to as other risk management\nderivatives. For more information on the\nCorporation\u2019s derivatives and hedging activities, see \nNote 1 \u2013 Summary of\nSignificant Accounting Principles\n. \nThe following tables present derivative\ninstruments included on the Consolidated Balance Sheet in derivative assets\nand liabilities at December 31, 2023 and 2022. Balances are presented on a\ngross basis, prior to the application of counterparty and cash collateral netting.\nTotal derivative assets and liabilities are adjusted on an aggregate basis to\ntake into consideration the effects of legally enforceable master netting\nagreements and have been reduced by cash collateral received or paid.\nDecember 31, 2023\nDecember 31, 2023\nGross Derivative Assets\nGross Derivative Assets\nGross Derivative Liabilities\nGross Derivative Liabilities\n(Dollars in billions)\nContract/\nContract/\nNotional \nNotional \nTrading and\nTrading and\nOther Risk\nOther Risk\nManagement\nManagement\nDerivatives\nDerivatives\nQualifying\nQualifying\nAccounting\nAccounting\nHedges\nHedges\nTotal\nTotal\nTrading and\nTrading and\nOther Risk\nOther Risk\nManagement\nManagement\nDerivatives\nDerivatives\nQualifying\nQualifying\nAccounting\nAccounting\nHedges\nHedges\nTotal\nTotal\nInterest rate contracts\nInterest rate contracts\n \n \n \n \n \n \n \nSwaps\n$\n$\n15,715.2\n15,715.2\n \n$\n$\n78.4\n78.4\n \n$\n$\n7.9\n7.9\n \n$\n$\n86.3\n86.3\n \n$\n$\n66.6\n66.6\n \n$\n$\n18.5\n18.5\n \n$\n$\n85.1\n85.1\n \nFutures and forwards\n2,803.8\n2,803.8\n \n5.1\n5.1\n \n\u2014\n\u2014\n \n5.1\n5.1\n \n7.0\n7.0\n \n\u2014\n\u2014\n \n7.0\n7.0\n \nWritten options \n1,807.7\n1,807.7\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n31.7\n31.7\n \n\u2014\n\u2014\n \n31.7\n31.7\n \nPurchased options \n1,714.9\n1,714.9\n \n32.9\n32.9\n \n\u2014\n\u2014\n \n32.9\n32.9\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \nForeign exchange contracts\nForeign exchange contracts\n \n \nSwaps\n1,814.7\n1,814.7\n \n41.1\n41.1\n \n0.2\n0.2\n \n41.3\n41.3\n \n38.2\n38.2\n \n0.5\n0.5\n \n38.7\n38.7\n \nSpot, futures and forwards\n3,561.7\n3,561.7\n \n37.2\n37.2\n \n6.1\n6.1\n \n43.3\n43.3\n \n40.3\n40.3\n \n6.2\n6.2\n \n46.5\n46.5\n \nWritten options \n462.8\n462.8\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n6.8\n6.8\n \n\u2014\n\u2014\n \n6.8\n6.8\n \nPurchased options \n405.3\n405.3\n \n6.2\n6.2\n \n\u2014\n\u2014\n \n6.2\n6.2\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \nEquity contracts\nEquity contracts\n \n \nSwaps\n427.0\n427.0\n \n13.3\n13.3\n \n\u2014\n\u2014\n \n13.3\n13.3\n \n16.7\n16.7\n \n\u2014\n\u2014\n \n16.7\n16.7\n \nFutures and forwards\n136.9\n136.9\n \n2.1\n2.1\n \n\u2014\n\u2014\n \n2.1\n2.1\n \n1.6\n1.6\n \n\u2014\n\u2014\n \n1.6\n1.6\n \nWritten options\n854.9\n854.", "9cd42120-f827-4a51-ab40-d3b7d9a21924": "8\n6.8\n \n\u2014\n\u2014\n \n6.8\n6.8\n \nPurchased options \n405.3\n405.3\n \n6.2\n6.2\n \n\u2014\n\u2014\n \n6.2\n6.2\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \nEquity contracts\nEquity contracts\n \n \nSwaps\n427.0\n427.0\n \n13.3\n13.3\n \n\u2014\n\u2014\n \n13.3\n13.3\n \n16.7\n16.7\n \n\u2014\n\u2014\n \n16.7\n16.7\n \nFutures and forwards\n136.9\n136.9\n \n2.1\n2.1\n \n\u2014\n\u2014\n \n2.1\n2.1\n \n1.6\n1.6\n \n\u2014\n\u2014\n \n1.6\n1.6\n \nWritten options\n854.9\n854.9\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n50.1\n50.1\n \n\u2014\n\u2014\n \n50.1\n50.1\n \nPurchased options \n716.2\n716.2\n \n44.1\n44.1\n \n\u2014\n\u2014\n \n44.1\n44.1\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \nCommodity contracts\nCommodity contracts\n \n \n \n \nSwaps\n59.0\n59.0\n \n3.1\n3.1\n \n\u2014\n\u2014\n \n3.1\n3.1\n \n4.5\n4.5\n \n\u2014\n\u2014\n \n4.5\n4.5\n \nFutures and forwards\n187.8\n187.8\n \n3.8\n3.8\n \n\u2014\n\u2014\n \n3.8\n3.8\n \n3.1\n3.1\n \n0.4\n0.4\n \n3.5\n3.5\n \nWritten options \n67.1\n67.1\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n3.3\n3.3\n \n\u2014\n\u2014\n \n3.3\n3.3\n \nPurchased options\n70.9\n70.9\n \n3.0\n3.0\n \n\u2014\n\u2014\n \n3.0\n3.0\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \nCredit derivatives \nCredit derivatives \n \n \n \n \n \n \nPurchased credit derivatives:\n \n \n \n \n \n \nCredit default swaps\n312.8\n312.8\n \n1.7\n1.7\n \n\u2014\n\u2014\n \n1.7\n1.7\n \n2.5\n2.5\n \n\u2014\n\u2014\n \n2.5\n2.5\n \nTotal return swaps/options\n69.4\n69.4\n \n0.8\n0.8\n \n\u2014\n\u2014\n \n0.8\n0.8\n \n1.3\n1.3\n \n\u2014\n\u2014\n \n1.3\n1.3\n \nWritten credit derivatives:\n \n \n \n \nCredit default swaps\n289.1\n289.1\n \n2.2\n2.2\n \n\u2014\n\u2014\n \n2.2\n2.2\n \n1.6\n1.6\n \n\u2014\n\u2014\n \n1.6\n1.6\n \nTotal return swaps/options\n68.6\n68.6\n \n1.1\n1.1\n \n\u2014\n\u2014\n \n1.1\n1.1\n \n0.3\n0.3\n \n\u2014\n\u2014\n \n0.3\n0.3\n \nGross derivative assets/liabilities\n$\n$\n276.1\n276.1\n \n$\n$\n14.2\n14.2\n \n$\n$\n290.3\n290.3\n \n$\n$\n275.6\n275.6\n \n$\n$\n25.6\n25.6\n \n$\n$\n301.2\n301.2\n \nLess: Legally enforceable master netting agreements\n \n \n \n \n(\n(\n221.6\n221.6\n)\n)\n \n \n \n \n(\n(\n221.6\n221.6\n)\n)\nLess: Cash collateral received/paid\n \n \n \n \n \n \n(\n(\n29.4\n29.4\n)\n)\n \n \n \n \n(\n(\n36.2\n36.2\n)\n)\nTotal derivative assets/liabilities\nTotal derivative assets/liabilities\n \n \n \n \n \n \n$\n$\n39.3\n39.3\n \n \n \n \n \n$\n$\n43.4\n43.4\n \nRepresents the total contract/notional amount of derivative assets and liabilities outstanding.\nIncludes certain out-of-the-money purchased options that have a liability amount primarily due to the deferral of option premiums to the end of the contract.\nIncludes certain out-of-the-money written options that have an asset amount primarily due to the deferral of option premiums to the end of the contract.", "eb9898c4-6575-49a5-ac82-fa29ae055be3": "6\n \n$\n$\n301.2\n301.2\n \nLess: Legally enforceable master netting agreements\n \n \n \n \n(\n(\n221.6\n221.6\n)\n)\n \n \n \n \n(\n(\n221.6\n221.6\n)\n)\nLess: Cash collateral received/paid\n \n \n \n \n \n \n(\n(\n29.4\n29.4\n)\n)\n \n \n \n \n(\n(\n36.2\n36.2\n)\n)\nTotal derivative assets/liabilities\nTotal derivative assets/liabilities\n \n \n \n \n \n \n$\n$\n39.3\n39.3\n \n \n \n \n \n$\n$\n43.4\n43.4\n \nRepresents the total contract/notional amount of derivative assets and liabilities outstanding.\nIncludes certain out-of-the-money purchased options that have a liability amount primarily due to the deferral of option premiums to the end of the contract.\nIncludes certain out-of-the-money written options that have an asset amount primarily due to the deferral of option premiums to the end of the contract.\nThe net derivative asset (liability) and notional amount of written credit derivatives for which the Corporation held purchased credit derivatives with identical underlying referenced names were $\n520\n million and $\n266.5\n billion at December 31, 2023.\n(1)\n(1)\n(2)\n(3)\n(2)\n(3)\n (2)\n(3)\n(2)\n (3)\n(4)\n(4)\n(1)\n(2)\n(3)\n(4)\n103\n103\n \nBank of America", "599d6b38-3846-43f6-a9ed-8ab2358e3b7c": "December 31, 2022\nGross Derivative Assets\nGross Derivative Liabilities\n(Dollars in billions)\nContract/\nNotional \nTrading and Other\nRisk\nManagement\nDerivatives\nQualifying\nAccounting\nHedges\nTotal\nTrading and Other\nRisk\nManagement\nDerivatives\nQualifying\nAccounting\nHedges\nTotal\nInterest rate contracts\nInterest rate contracts\n \n \n \n \n \n \n \nSwaps\n$\n18,285.9\n \n$\n138.2\n \n$\n20.7\n \n$\n158.9\n \n$\n120.3\n \n$\n36.7\n \n$\n157.0\n \nFutures and forwards\n2,796.3\n \n8.6\n \n\u2014\n \n8.6\n \n7.8\n \n\u2014\n \n7.8\n \nWritten options \n1,657.9\n \n\u2014\n \n\u2014\n \n\u2014\n \n41.4\n \n\u2014\n \n41.4\n \nPurchased options \n1,594.7\n \n42.4\n \n\u2014\n \n42.4\n \n\u2014\n \n\u2014\n \n\u2014\n \nForeign exchange contracts\nForeign exchange contracts\n \n \n \n \n \n \nSwaps\n1,509.0\n \n44.0\n \n0.3\n \n44.3\n \n43.3\n \n0.4\n \n43.7\n \nSpot, futures and forwards\n4,159.3\n \n59.9\n \n0.1\n \n60.0\n \n62.1\n \n0.6\n \n62.7\n \nWritten options \n392.2\n \n\u2014\n \n\u2014\n \n\u2014\n \n8.1\n \n\u2014\n \n8.1\n \nPurchased options \n362.6\n \n8.3\n \n\u2014\n \n8.3\n \n\u2014\n \n\u2014\n \n\u2014\n \nEquity contracts\nEquity contracts\n \n \n \n \n \n \n \nSwaps\n394.0\n \n10.8\n \n\u2014\n \n10.8\n \n12.2\n \n\u2014\n \n12.2\n \nFutures and forwards\n114.6\n \n3.3\n \n\u2014\n \n3.3\n \n1.0\n \n\u2014\n \n1.0\n \nWritten options\n746.8\n \n\u2014\n \n\u2014\n \n\u2014\n \n45.0\n \n\u2014\n \n45.0\n \nPurchased options \n671.6\n \n40.9\n \n\u2014\n \n40.9\n \n\u2014\n \n\u2014\n \n\u2014\n \nCommodity contracts\nCommodity contracts\n \n \n \n \n \n \n \nSwaps\n56.0\n \n5.1\n \n\u2014\n \n5.1\n \n5.3\n \n\u2014\n \n5.3\n \nFutures and forwards\n157.3\n \n3.0\n \n\u2014\n \n3.0\n \n2.3\n \n0.8\n \n3.1\n \nWritten options \n59.5\n \n\u2014\n \n\u2014\n \n\u2014\n \n3.3\n \n\u2014\n \n3.3\n \nPurchased options\n61.8\n \n3.6\n \n\u2014\n \n3.6\n \n\u2014\n \n\u2014\n \n\u2014\n \nCredit derivatives \nCredit derivatives \n \n \n \n \n \n \n \nPurchased credit derivatives:\n \n \n \n \n \n \n \nCredit default swaps\n319.9\n \n2.8\n \n\u2014\n \n2.8\n \n1.6\n \n\u2014\n \n1.6\n \nTotal return swaps/options\n71.5\n \n0.7\n \n\u2014\n \n0.7\n \n3.0\n \n\u2014\n \n3.0\n \nWritten credit derivatives:\n \n \n \n \n \n \nCredit default swaps\n295.2\n \n1.2\n \n\u2014\n \n1.2\n \n2.4\n \n\u2014\n \n2.4\n \nTotal return swaps/options\n85.3\n \n4.4\n \n\u2014\n \n4.4\n \n0.9\n \n\u2014\n \n0.9\n \nGross derivative assets/liabilities\n \n$\n377.2\n \n$\n21.1\n \n$\n398.3\n \n$\n360.0\n \n$\n38.5\n \n$\n398.5\n \nLess: Legally enforceable master netting agreements\n \n \n \n(\n315.9\n)\n \n \n(\n315.9\n)\nLess: Cash collateral received/paid\n \n \n \n(\n33.8\n)\n \n \n(\n37.8\n)\nTotal derivative assets/liabilities\nTotal derivative assets/liabilities\n \n \n \n$\n48.6\n \n \n \n$\n44.8\n \nRepresents the total contract/notional amount of derivative assets and liabilities outstanding.\nIncludes certain out-of-the-money purchased options that have a liability amount primarily due to the deferral of option premiums to the end of the contract.\nIncludes certain out-of-the-money written options that have an asset amount primarily due to the deferral of option premiums to the end of the contract.\nThe net derivative asset (liability) and notional amount of written credit derivatives for which the Corporation held purchased credit derivatives with identical underlying referenced names were $(\n1.2\n) billion and $\n276.9\n billion at December 31, 2022.", "25142ee4-556a-4ff6-ac91-e8821e2b00b8": "Includes certain out-of-the-money purchased options that have a liability amount primarily due to the deferral of option premiums to the end of the contract.\nIncludes certain out-of-the-money written options that have an asset amount primarily due to the deferral of option premiums to the end of the contract.\nThe net derivative asset (liability) and notional amount of written credit derivatives for which the Corporation held purchased credit derivatives with identical underlying referenced names were $(\n1.2\n) billion and $\n276.9\n billion at December 31, 2022.\nOffsetting of Derivatives\nOffsetting of Derivatives\nThe Corporation enters into International Swaps and Derivatives Association,\nInc. (ISDA) master netting agreements or similar agreements with\nsubstantially all of the Corporation\u2019s derivative counterparties. Where legally\nenforceable, these master netting agreements give the Corporation, in the\nevent of default by the counterparty, the right to liquidate securities held as\ncollateral and to offset receivables and payables with the same counterparty.\nFor purposes of the Consolidated Balance Sheet, the Corporation offsets\nderivative assets and liabilities and cash collateral held with the same\ncounterparty where it has such a legally enforceable master netting\nagreement.\nThe following table presents derivative instruments included in derivative\nassets and liabilities on the Consolidated Balance\nSheet at December 31, 2023 and 2022\n \nby primary risk (e.g., interest rate risk)\nand the platform, where applicable, on which these derivatives are transacted.\nBalances are presented on a gross basis, prior to the application of\ncounterparty and cash collateral netting. Total gross derivative assets and\nliabilities are adjusted on an aggregate basis to take into consideration the\neffects of legally enforceable master netting agreements, which include\nreducing the balance for counterparty netting and cash collateral received or\npaid.\nFor more information on offsetting of securities financing agreements, see\nNote 10 \u2013 Securities Financing Agreements, Short-term Borrowings, Collateral\nand Restricted Cash\n.\n(1)\n(2)\n(3)\n(2)\n(3)\n (2)\n(3)\n(2)\n (3)\n(4)\n(4)\n(1)\n(2)\n(3)\n(4)\nBank of America \n104\n104", "d0e76e94-c93e-42e8-b0e7-406fd60c6309": "Offsetting of Derivatives \nOffsetting of Derivatives \nDerivative \nDerivative \nAssets\nAssets\nDerivative\nDerivative\n Liabilities\n Liabilities\nDerivative \nAssets\nDerivative\n Liabilities\n(Dollars in billions)\nDecember 31, 2023\nDecember 31, 2023\nDecember 31, 2022\nInterest rate contracts\nInterest rate contracts\n \n \n \n \n \n \nOver-the-counter\n$\n$\n119.2\n119.2\n \n$\n$\n117.7\n117.7\n \n$\n138.4\n \n$\n132.3\n \nExchange-traded\n0.2\n0.2\n \n0.2\n0.2\n \n0.4\n \n0.1\n \nOver-the-counter cleared\n4.4\n4.4\n \n3.3\n3.3\n \n71.4\n \n71.1\n \nForeign exchange contracts\nForeign exchange contracts\nOver-the-counter\n89.7\n89.7\n \n90.4\n90.4\n \n109.7\n \n110.6\n \nOver-the-counter cleared\n0.2\n0.2\n \n0.2\n0.2\n \n1.3\n \n1.2\n \nEquity contracts\nEquity contracts\nOver-the-counter\n24.7\n24.7\n \n32.2\n32.2\n \n21.5\n \n22.6\n \nExchange-traded\n34.4\n34.4\n \n33.9\n33.9\n \n33.0\n \n33.8\n \nCommodity contracts\nCommodity contracts\nOver-the-counter\n6.6\n6.6\n \n8.4\n8.4\n \n8.3\n \n9.3\n \nExchange-traded\n2.3\n2.3\n \n2.1\n2.1\n \n2.4\n \n1.9\n \nOver-the-counter cleared\n0.4\n0.4\n \n0.5\n0.5\n \n0.3\n \n0.3\n \nCredit derivatives\nCredit derivatives\nOver-the-counter\n5.7\n5.7\n \n5.6\n5.6\n \n8.9\n \n7.5\n \nTotal gross derivative assets/liabilities, before netting\nOver-the-counter\n245.9\n245.9\n \n254.3\n254.3\n \n286.8\n \n282.3\n \nExchange-traded\n36.9\n36.9\n \n36.2\n36.2\n \n35.8\n \n35.8\n \nOver-the-counter cleared\n5.0\n5.0\n \n4.0\n4.0\n \n73.0\n \n72.6\n \nLess: Legally enforceable master netting agreements and cash collateral received/paid\nOver-the-counter\n(\n(\n212.1\n212.1\n)\n)\n(\n(\n218.9\n218.9\n)\n)\n(\n243.8\n)\n(\n248.2\n)\nExchange-traded\n(\n(\n35.4\n35.4\n)\n)\n(\n(\n35.4\n35.4\n)\n)\n(\n33.5\n)\n(\n33.5\n)\nOver-the-counter cleared\n(\n(\n3.5\n3.5\n)\n)\n(\n(\n3.5\n3.5\n)\n)\n(\n72.4\n)\n(\n72.0\n)\nDerivative assets/liabilities, after netting\n36.8\n36.8\n \n36.7\n36.7\n \n45.9\n \n37.0\n \nOther gross derivative assets/liabilities \n2.5\n2.5\n \n6.7\n6.7\n \n2.7\n \n7.8\n \nTotal derivative assets/liabilities\n39.3\n39.3\n \n43.4\n43.4\n \n48.6\n \n44.8\n \nLess: Financial instruments collateral \n(\n(\n15.5\n15.5\n)\n)\n(\n(\n13.0\n13.0\n)\n)\n(\n18.5\n)\n(\n7.4\n)\nTotal net derivative assets/liabilities\nTotal net derivative assets/liabilities\n$\n$\n23.8\n23.8\n \n$\n$\n30.4\n30.4\n \n$\n30.1\n \n$\n37.4\n \nOver-the-counter derivatives include bilateral transactions between the Corporation and a particular counterparty. Over-the-counter cleared derivatives include bilateral transactions between the Corporation and a counterparty where the transaction is cleared\nthrough a clearinghouse. Exchange-traded derivatives include listed options transacted on an exchange.\nConsists of derivatives entered into under master netting agreements where the enforceability of these agreements is uncertain under bankruptcy laws in some countries or industries.\nAmounts are limited to the derivative asset/liability balance and, accordingly, do not include excess collateral received/pledged.", "6aae7378-5720-4cd2-993d-54ae084b8646": "Over-the-counter cleared derivatives include bilateral transactions between the Corporation and a counterparty where the transaction is cleared\nthrough a clearinghouse. Exchange-traded derivatives include listed options transacted on an exchange.\nConsists of derivatives entered into under master netting agreements where the enforceability of these agreements is uncertain under bankruptcy laws in some countries or industries.\nAmounts are limited to the derivative asset/liability balance and, accordingly, do not include excess collateral received/pledged. Financial instruments collateral includes securities collateral received or pledged and cash securities held and posted at third-party\ncustodians that are not offset on the Consolidated Balance Sheet but shown as a reduction to derive net derivative assets and liabilities.\nALM and Risk Management Derivatives\nALM and Risk Management Derivatives\nThe Corporation\u2019s ALM and risk management activities include the use of\nderivatives to mitigate risk to the Corporation including derivatives designated\nin qualifying hedge accounting relationships and derivatives used in other risk\nmanagement activities. Interest rate, foreign exchange, equity, commodity and\ncredit contracts are utilized in the Corporation's ALM and risk management\nactivities.\nThe Corporation maintains an overall interest rate risk management\nstrategy that incorporates the use of interest rate contracts, which are generally\nnon-leveraged generic interest rate and basis swaps, options, futures and\nforwards, to minimize significant fluctuations in earnings caused by interest\nrate volatility. The Corporation\u2019s goal is to manage interest rate sensitivity and\nvolatility so that movements in interest rates do not significantly adversely\naffect earnings or capital. As a result of interest rate fluctuations, hedged fixed-\nrate assets and liabilities appreciate or depreciate in fair value. Gains or\nlosses on the derivative instruments that are linked to the hedged fixed-rate\nassets and liabilities are expected to substantially offset this unrealized\nappreciation or depreciation.\nMarket risk, including interest rate risk, can be substantial in the mortgage\nbusiness. Market risk in the mortgage business is the risk that values of\nmortgage assets or revenues will be adversely affected by changes in market\nconditions such as interest rate movements. To mitigate the interest rate risk\nin mortgage banking production income, the Corporation utilizes forward loan\nsale commitments and other derivative\ninstruments, including purchased options, and certain debt securities. The\nCorporation also utilizes derivatives such as interest rate options, interest rate\nswaps, forward settlement contracts and eurodollar futures to hedge certain\nmarket risks of MSRs.\nThe Corporation uses foreign exchange contracts to manage the foreign\nexchange risk associated with certain foreign currency-denominated assets\nand liabilities, as well as the Corporation\u2019s investments in non-U.S.\nsubsidiaries. Exposure to loss on these contracts will increase or decrease\nover their respective lives as currency exchange and interest rates fluctuate.\nThe Corporation purchases credit derivatives to manage credit risk related\nto certain funded and unfunded credit exposures. Credit derivatives include\ncredit default swaps (CDS), total return swaps and swaptions. These\nderivatives are recorded on the Consolidated Balance Sheet at fair value with\nchanges in fair value recorded in other income.\nDerivatives Designated as Accounting Hedges\nDerivatives Designated as Accounting Hedges\nThe Corporation uses various types of interest rate and foreign exchange\nderivative contracts to protect against changes in the fair value of its assets\nand liabilities due to fluctuations in interest rates and foreign exchange rates\n(fair value hedges). The Corporation also uses these types of contracts to\nprotect against changes in the cash flows of its assets and liabilities, and\nother forecasted transactions (cash flow hedges). The Corporation hedges its\nnet investment in consolidated non-U.S.\n(1)\n(1)\n(2)\n(3)\n(1)\n(2)\n(3)\n105\n105\n \nBank of America", "7c54ec7f-ccf9-4b27-8d54-cd5daa707c97": "operations determined to have functional currencies other than the U.S. dollar\nusing forward exchange contracts and cross-currency basis swaps, and by\nissuing foreign currency- denominated debt (net investment hedges).\nFair Value Hedges\nFair Value Hedges\nThe table below summarizes information related to fair value hedges for 2023,\n2022 and 2021.\nGains and Losses on Derivatives Designated as Fair Value Hedges\nGains and Losses on Derivatives Designated as Fair Value Hedges\nDerivative\nDerivative\nHedged Item\nHedged Item\n(Dollars in millions)\n2023\n2023\n2022\n2021\n2023\n2023\n2022\n2021\nInterest rate risk on long-term debt \n$\n$\n3,594\n3,594\n \n$\n(\n26,654\n)\n$\n(\n7,018\n)\n$\n$\n(\n(\n3,652\n3,652\n)\n)\n$\n26,825\n \n$\n6,838\n \nInterest rate and foreign currency risk \n(\n(\n17\n17\n)\n)\n(\n120\n)\n(\n90\n)\n27\n27\n \n119\n \n79\n \nInterest rate risk on available-for-sale securities \n(\n(\n3,518\n3,518\n)\n)\n21,991\n \n5,203\n \n3,417\n3,417\n \n(\n22,280\n)\n(\n5,167\n)\nPrice risk on commodity inventory \n2\n2\n \n674\n \n\u2014\n \n(\n(\n2\n2\n)\n)\n(\n674\n)\n\u2014\n \nTotal\nTotal\n$\n$\n61\n61\n \n$\n(\n4,109\n)\n$\n(\n1,905\n)\n$\n$\n(\n(\n210\n210\n)\n)\n$\n3,990\n \n$\n1,750\n \nAmounts are recorded in interest expense in the Consolidated Statement of Income.\nRepresents cross-currency interest rate swaps related to available-for-sale debt securities and long-term debt. For 2023, 2022 and 2021, the derivative amount includes gains (losses) of $\n6\n million, $\n0\n and $\n0\n in interest income, $\n13\n million, $(\n37\n) million and $(\n73\n)\nmillion in interest expense, $(\n51\n) million, $(\n81\n) million and $\n0\n in market making and similar activities, and $\n15\n million, $(\n2\n) million and $(\n17\n) million in accumulated OCI, respectively. Line item totals are in the Consolidated Statement of Income and on the\nConsolidated Balance Sheet.\nAmounts are recorded in interest income in the Consolidated Statement of Income.\nAmounts are recorded in market making and similar activities in the Consolidated Statement of Income.\nThe table below summarizes the carrying value of hedged assets and liabilities that are designated and qualifying in fair value hedging relationships along\nwith the cumulative amount of fair value hedging adjustments included in the carrying value that have been recorded in the current hedging relationships. These\nfair value hedging adjustments are open basis adjustments that are not subject to amortization as long as the hedging relationship remains designated.\nDesignated Fair Value Hedged Assets and Liabilities\nDesignated Fair Value Hedged Assets and Liabilities\nDecember 31, 2023\nDecember 31, 2023\nDecember 31, 2022\n(Dollars in millions)\nCarrying Value\nCarrying Value\nCumulative\nCumulative\nFair Value\nFair Value\nAdjustments \nAdjustments \nCarrying Value\nCumulative\nFair Value\nAdjustments\nLong-term debt \n$\n$\n203,986\n203,986\n \n$\n$\n(\n(\n5,767\n5,767\n)\n)\n$\n187,402\n \n$\n(\n21,372\n)\nAvailable-for-sale debt securities \n134,077\n \n(\n(\n1,793\n1,793\n)\n)\n167,518\n \n(\n18,190\n)\nTrading account assets \n7,475\n7,475\n \n414\n414\n \n16,119\n \n146\n \nIncrease (decrease) to carrying value.\nAt \nDecember 31, 2023 and 2022, the cumulative fair value adjustments remaining on long-term debt and available-for-sale debt securities from discontinued hedging relationships resulted in a decrease of $\n10.5\n billion and an increase of $\n137\n million in the related\nliability and a decrease in the related asset of $\n5.6\n billion and $\n4.9\n billion, which are being amortized over the remaining contractual life of the de-designated hedged items.", "54383d50-82ba-40f0-a804-b9cae2d3bbff": "At \nDecember 31, 2023 and 2022, the cumulative fair value adjustments remaining on long-term debt and available-for-sale debt securities from discontinued hedging relationships resulted in a decrease of $\n10.5\n billion and an increase of $\n137\n million in the related\nliability and a decrease in the related asset of $\n5.6\n billion and $\n4.9\n billion, which are being amortized over the remaining contractual life of the de-designated hedged items.\nThese amounts include the amortized cost of the financial assets in closed portfolios used to designate hedging relationships in which the hedged item is a stated layer that is expected to be remaining at the end of the hedging relationship (i.e. portfolio layer\nhedging relationship). At December 31, 2023 and 2022, the amortized cost of the closed portfolios used in these hedging relationships was $\n39.1\n billion and $\n21.4\n billion, of which $\n22.5\n billion and $\n9.2\n billion were designated in a portfolio layer hedging\nrelationship. At December 31, 2023 and 2022, the cumulative adjustment associated with these hedging relationships was an increase of $\n48\n million and a decrease of $\n451\n million.\nCarrying value represents amortized cost.\nRepresents hedging activities related to certain commodities inventory.\nCash Flow and Net Investment Hedges\nCash Flow and Net Investment Hedges\nThe following table summarizes certain information related to cash flow\nhedges and net investment hedges for 2023, 2022 and 2021. Of the $\n8.0\nbillion after-tax net loss ($\n10.7\n billion pretax) on derivatives in accumulated\nOCI at December 31, 2023, losses of $\n3.4\n billion after-tax ($\n4.6\n billion pretax)\nrelated to both open and terminated cash flow hedges are expected to be\nreclassified into earnings in the next 12 months. These net losses reclassified\ninto earnings are expected to primarily decrease net interest income related to\nthe respective hedged items. For open cash flow hedges, the maximum length\nof time over which forecasted transactions are hedged is approximately \nten\nyears\n. For terminated cash flow hedges, the time \nperiod \nover \nwhich \nthe\nforecasted \ntransactions \nwill \nbe\nrecognized in interest income is approximately \nfive years\n, with the aggregated\namount beyond this time period being insignificant.\nOn November 15, 2023, Bloomberg Index Services Limited announced the\npermanent cessation of the Bloomberg Short-Term Bank Yield Index (BSBY)\nand all its tenors effective after final publication on November 15, 2024. The\nCorporation determined that certain forecasted BSBY-indexed interest\npayments, which had been designated in cash flow hedges, were no longer\nexpected to occur beyond November 15, 2024 as they will transition to a new\nreference rate. Accordingly, during the fourth quarter of 2023, the Corporation\nreclassified $\n2.0\n billion of pretax loss from accumulated OCI into market\nmaking and similar activities for the amount related to these forecasted\ntransactions.\n(1)\n(2)\n(3)\n(4)\n(1)\n(2)\n(3)\n(4)\n(1)\n(1)\n (1)\n(2)\n(2, 3, 4)\n(5)\n(1)\n(2)\n(3)\n(4)\n(5)\nBank of America \n106\n106", "6556e05b-64ab-47e9-8da5-12ebd7ce8808": "Gains and Losses on Derivatives Designated as Cash Flow and Net Investment Hedges\nGains and Losses on Derivatives Designated as Cash Flow and Net Investment Hedges\nGains (Losses) Recognized in \nGains (Losses) Recognized in \nAccumulated OCI on Derivatives\nAccumulated OCI on Derivatives\nGains (Losses) in Income \nGains (Losses) in Income \nReclassified from Accumulated OCI\nReclassified from Accumulated OCI\n(Dollars in millions, amounts pretax)\n2023\n2023\n2022\n2021\n2023\n2023\n2022\n2021\nCash flow hedges\nCash flow hedges\nInterest rate risk on variable-rate portfolios \n$\n$\n1,995\n1,995\n \n$\n(\n13,492\n)\n$\n(\n2,686\n)\n$\n$\n(\n(\n3,176\n3,176\n)\n)\n$\n(\n338\n)\n$\n148\n \nPrice risk on forecasted MBS purchases \n6\n6\n \n(\n129\n)\n(\n249\n)\n(\n(\n2\n2\n)\n)\n11\n \n26\n \nPrice risk on certain compensation plans \n48\n48\n \n(\n88\n)\n93\n \n25\n25\n \n29\n \n55\n \nTotal\nTotal\n$\n$\n2,049\n2,049\n \n$\n(\n13,709\n)\n$\n(\n2,842\n)\n$\n$\n(\n(\n3,153\n3,153\n)\n)\n$\n(\n298\n)\n$\n229\n \nNet investment hedges\nNet investment hedges\nForeign exchange risk \n$\n$\n(\n(\n808\n808\n)\n)\n$\n1,710\n \n$\n1,451\n \n$\n$\n143\n143\n \n$\n3\n \n$\n23\n \nAmounts reclassified from accumulated OCI are recorded in interest income and market making and similar activities in the Consolidated Statement of Income.\nAmounts reclassified from accumulated OCI are recorded in compensation and benefits expense in the Consolidated Statement of Income.\nAmounts reclassified from accumulated OCI are recorded in other income in the Consolidated Statement of Income. Amounts excluded from effectiveness testing and recognized in market making and similar activities were gains of $\n195\n million and losses of $\n38\nmillion and $\n123\n million in 2023, 2022 and 2021, respectively.\nOther Risk Management Derivatives\nOther Risk Management Derivatives\nOther risk management derivatives are used by the Corporation to reduce\ncertain risk exposures by economically hedging various assets and liabilities.\nThe table below presents gains (losses) on these derivatives for 2023, 2022\nand 2021. These gains (losses) are largely offset by the income or expense\nrecorded on the hedged item.\nGains and Losses on Other Risk Management Derivatives\nGains and Losses on Other Risk Management Derivatives\n(Dollars in millions)\n2023\n2023\n2022\n2021\nInterest rate risk on mortgage activities \n$\n$\n16\n16\n \n$\n(\n326\n)\n$\n(\n18\n)\nCredit risk on loans \n(\n(\n70\n70\n)\n)\n(\n37\n)\n(\n25\n)\nInterest rate and foreign currency risk on asset and\nliability management activities \n777\n777\n \n4,713\n \n1,757\n \nPrice risk on certain compensation plans \n584\n584\n \n(\n1,073\n)\n917\n \nIncludes hedges of interest rate risk on MSRs and IRLCs to originate mortgage loans that will be held for sale.\nGains (losses) on these derivatives are recorded in other income.\nGains (losses) on these derivatives are recorded in market making and similar activities. For 2023, includes $\n447\n million of\npositive fair value adjustments related to the interest rate swaps that occurred after de-designation of BSBY hedges and prior\nto re-designation of the interest rate swaps into new hedges.\nGains (losses) on these derivatives are recorded in compensation and benefits expense.\nTransfers of Financial Assets with Risk Retained through\nTransfers of Financial Assets with Risk Retained through\nDerivatives\nDerivatives\nThe Corporation enters into certain transactions involving the transfer of\nfinancial assets that are accounted for as sales where substantially all of the\neconomic exposure to the transferred financial assets is retained through\nderivatives (e.g., interest rate and/or credit), but the Corporation does not retain\ncontrol over the assets transferred. At December 31, 2023 and 2022, the\nCorporation had transferred $\n4.1\n billion and $\n4.8\n billion of non-U.S.\ngovernment-guaranteed mortgage-backed securities to a third-party trust and\nretained economic exposure to the transferred assets through derivative\ncontracts.", "ab88a67e-d333-452f-a1f3-f3c963304160": "Gains (losses) on these derivatives are recorded in compensation and benefits expense.\nTransfers of Financial Assets with Risk Retained through\nTransfers of Financial Assets with Risk Retained through\nDerivatives\nDerivatives\nThe Corporation enters into certain transactions involving the transfer of\nfinancial assets that are accounted for as sales where substantially all of the\neconomic exposure to the transferred financial assets is retained through\nderivatives (e.g., interest rate and/or credit), but the Corporation does not retain\ncontrol over the assets transferred. At December 31, 2023 and 2022, the\nCorporation had transferred $\n4.1\n billion and $\n4.8\n billion of non-U.S.\ngovernment-guaranteed mortgage-backed securities to a third-party trust and\nretained economic exposure to the transferred assets through derivative\ncontracts. In connection with these transfers, the Corporation received gross\ncash proceeds of $\n4.2\n billion and $\n4.9\n billion at the transfer dates. At\nDecember 31, 2023 and 2022, the fair value of the transferred securities was\n$\n4.1\n billion and $\n4.7\n billion.\nSales and Trading Revenue\nSales and Trading Revenue\nThe Corporation enters into trading derivatives to facilitate client transactions\nand to manage risk exposures arising from trading account assets and\nliabilities. It is the Corporation\u2019s policy to include \nthese \nderivative \ninstruments\nin \nits \ntrading \nactivities,\nwhich include derivatives and non-derivative cash instruments. The resulting\nrisk from these derivatives is managed on a portfolio basis as part of the\nCorporation\u2019s \nGlobal Markets\n business segment. The related sales and\ntrading revenue generated within \nGlobal Markets\n is recorded in various\nincome statement line items, including market making and similar activities\nand net interest income as well as other revenue categories.\nSales and trading revenue includes changes in the fair value and realized\ngains and losses on the sales of trading and other assets, net interest\nincome, and fees primarily from commissions on equity securities. Revenue\nis generated by the difference in the client price for an instrument and the price\nat which the trading desk can execute the trade in the dealer market. For equity\nsecurities, commissions related to purchases and sales are recorded in the\n\u201cOther\u201d column in the Sales and Trading Revenue table. Changes in the fair\nvalue of these securities are included in market making and similar activities.\nFor debt securities, revenue, with the exception of interest associated with the\ndebt securities, is typically included in market making and similar activities.\nUnlike commissions for equity securities, the initial revenue related to broker-\ndealer services for debt securities is typically included in the pricing of the\ninstrument rather than being charged through separate fee arrangements.\nTherefore, this revenue is recorded in market making and similar activities as\npart of the initial mark to fair value. For derivatives, the majority of revenue is\nincluded in market making and similar activities. In transactions where the\nCorporation acts as agent, which include exchange-traded futures and\noptions, fees are recorded in other income\n.\nThe following table, which includes both derivatives and non-derivative\ncash instruments, identifies the amounts in the respective income statement\nline items attributable to the Corporation\u2019s sales and trading revenue in \nGlobal\nMarkets\n, categorized by primary risk, for 2023, 2022 and 2021. This table\nincludes debit valuation adjustment (DVA) and funding valuation adjustment\n(FVA) gains (losses). \nGlobal Markets\n results in \nNote 23 \u2013 Business Segment\nInformation\n are presented on a fully taxable-equivalent (FTE) basis. The\nfollowing table is not presented on an FTE basis.\n(1)\n(1)\n(2)\n(3)\n(1)\n(2)\n(3)\n(1, 2)\n(2)\n(3)\n(4)\n(1)\n(2)\n(3)\n(4)\n107\n107\n \nBank of America", "54c5493e-680e-478a-b5ac-95e71af7316c": "Sales and Trading Revenue\nSales and Trading Revenue\nMarket\nMarket\nmaking and\nmaking and\nsimilar\nsimilar\nactivities\nactivities\nNet Interest\nNet Interest\nIncome\nIncome\nOther \nOther \nTotal\nTotal\n(Dollars in millions)\n2023\n2023\nInterest rate risk\n$\n$\n3,192\n3,192\n \n$\n$\n366\n366\n \n$\n$\n402\n402\n \n$\n$\n3,960\n3,960\n \nForeign exchange risk\n1,800\n1,800\n \n149\n149\n \n87\n87\n \n2,036\n2,036\n \nEquity risk\n6,628\n6,628\n \n(\n(\n1,955\n1,955\n)\n)\n1,774\n1,774\n \n6,447\n6,447\n \nCredit risk\n1,205\n1,205\n \n2,462\n2,462\n \n340\n340\n \n4,007\n4,007\n \nOther risk \n602\n602\n \n(\n(\n155\n155\n)\n)\n(\n(\n67\n67\n)\n)\n380\n380\n \nTotal sales and trading\nTotal sales and trading\nrevenue\nrevenue\n$\n$\n13,427\n13,427\n \n$\n$\n867\n867\n \n$\n$\n2,536\n2,536\n \n$\n$\n16,830\n16,830\n \n2022\nInterest rate risk\n$\n1,919\n \n$\n1,619\n \n$\n392\n \n$\n3,930\n \nForeign exchange risk\n1,981\n \n46\n \n(\n44\n)\n1,983\n \nEquity risk\n6,077\n \n(\n1,288\n)\n1,757\n \n6,546\n \nCredit risk\n592\n \n2,228\n \n177\n \n2,997\n \nOther risk \n835\n \n(\n171\n)\n15\n \n679\n \nTotal sales and trading\nTotal sales and trading\nrevenue\nrevenue\n$\n11,404\n \n$\n2,434\n \n$\n2,297\n \n$\n16,135\n \n2021\nInterest rate risk\n$\n523\n \n$\n1,794\n \n$\n217\n \n$\n2,534\n \nForeign exchange risk\n1,505\n \n(\n80\n)\n14\n \n1,439\n \nEquity risk\n4,581\n \n(\n5\n)\n1,834\n \n6,410\n \nCredit risk\n1,390\n \n1,684\n \n556\n \n3,630\n \nOther risk \n759\n \n(\n128\n)\n124\n \n755\n \nTotal sales and trading\nTotal sales and trading\nrevenue\nrevenue\n$\n8,758\n \n$\n3,265\n \n$\n2,745\n \n$\n14,768\n \nRepresents amounts in investment and brokerage services and other income that are recorded in \nGlobal Markets\n and\nincluded in the definition of sales and trading revenue. Includes investment and brokerage services revenue of $\n2.0\n billion,\n$\n2.0\n billion and $\n1.9\n billion in 2023, 2022 and 2021, respectively.\nIncludes commodity risk.\nCredit Derivatives\nCredit Derivatives\nThe Corporation enters into credit derivatives primarily to facilitate client\ntransactions and to manage credit risk exposures. Credit derivatives derive\nvalue based on an underlying third-party referenced obligation or a portfolio of\nreferenced obligations and generally require the Corporation, as the seller of\ncredit protection, to make payments to a buyer upon the occurrence of a\npredefined credit event. Such credit events generally include bankruptcy of the\nreferenced credit entity and failure to pay under the obligation, as well as\nacceleration of indebtedness and payment repudiation or moratorium. For\ncredit derivatives based on a portfolio of referenced credits or credit indices,\nthe Corporation may not be required to make payment until a specified amount\nof loss has occurred and/or may only be required to make payment up to a\nspecified amount.\nCredit derivatives are classified as investment and non-investment grade\nbased on the credit quality of the underlying referenced obligation. The\nCorporation considers ratings of BBB- or higher as investment grade. Non-\ninvestment grade includes non-rated credit derivative instruments. The\nCorporation discloses internal categorizations of investment grade and non-\ninvestment grade consistent with how risk is managed for these instruments.\nCredit derivative instruments where the Corporation is the seller of credit\nprotection and their expiration at December 31, 2023 and 2022 are\nsummarized in the following table.\n(1)\n(1)\n(2)\n(2)\n(2)\n(1)\n(2)\nBank of America \n108\n108", "6504065c-14f5-43a9-adb1-2b7f4e7f522c": "Credit Derivative Instruments\nCredit Derivative Instruments\nLess than\nLess than\nOne Year\nOne Year\nOne to\nOne to\nThree Years\nThree Years\nThree to\nThree to\nFive Years\nFive Years\nOver Five\nOver Five\nYears\nYears\nTotal\nTotal\nDecember 31, 2023\nDecember 31, 2023\n(Dollars in millions)\nCarrying Value\nCarrying Value\nCredit default swaps:\n \n \n \n \n \n \n \n \n \n \nInvestment grade\n$\n$\n\u2014\n\u2014\n \n$\n$\n11\n11\n \n$\n$\n26\n26\n \n$\n$\n20\n20\n \n$\n$\n57\n57\n \nNon-investment grade\n38\n38\n \n277\n277\n \n601\n601\n \n595\n595\n \n1,511\n1,511\n \nTotal\n38\n38\n \n288\n288\n \n627\n627\n \n615\n615\n \n1,568\n1,568\n \nTotal return swaps/options:\n \n \n \n \n \n \n \n \n \n \nInvestment grade\n59\n59\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n59\n59\n \nNon-investment grade\n149\n149\n \n69\n69\n \n56\n56\n \n5\n5\n \n279\n279\n \nTotal\n208\n208\n \n69\n69\n \n56\n56\n \n5\n5\n \n338\n338\n \nTotal credit derivatives\nTotal credit derivatives\n$\n$\n246\n246\n \n$\n$\n357\n357\n \n$\n$\n683\n683\n \n$\n$\n620\n620\n \n$\n$\n1,906\n1,906\n \nCredit-related notes:\n \n \n \n \n \n \n \n \n \n \nInvestment grade\n$\n$\n\u2014\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n$\n859\n859\n \n$\n$\n859\n859\n \nNon-investment grade\n\u2014\n\u2014\n \n5\n5\n \n16\n16\n \n1,103\n1,103\n \n1,124\n1,124\n \nTotal credit-related notes\nTotal credit-related notes\n$\n$\n\u2014\n\u2014\n \n$\n$\n5\n5\n \n$\n$\n16\n16\n \n$\n$\n1,962\n1,962\n \n$\n$\n1,983\n1,983\n \n \nMaximum Payout/Notional\nMaximum Payout/Notional\nCredit default swaps:\n \n \n \n \n \n \n \n \n \n \nInvestment grade\n$\n$\n33,750\n33,750\n \n$\n$\n65,015\n65,015\n \n$\n$\n83,313\n83,313\n \n$\n$\n17,023\n17,023\n \n$\n$\n199,101\n199,101\n \nNon-investment grade\n18,061\n18,061\n \n32,155\n32,155\n \n33,934\n33,934\n \n5,827\n5,827\n \n89,977\n89,977\n \nTotal\n51,811\n51,811\n \n97,170\n97,170\n \n117,247\n117,247\n \n22,850\n22,850\n \n289,078\n289,078\n \nTotal return swaps/options:\n \n \n \n \n \n \n \n \n \n \nInvestment grade\n40,515\n40,515\n \n1,503\n1,503\n \n1,561\n1,561\n \n23\n23\n \n43,602\n43,602\n \nNon-investment grade\n20,694\n20,694\n \n1,414\n1,414\n \n1,907\n1,907\n \n988\n988\n \n25,003\n25,003\n \nTotal\n61,209\n61,209\n \n2,917\n2,917\n \n3,468\n3,468\n \n1,011\n1,011\n \n68,605\n68,605\n \nTotal credit derivatives\nTotal credit derivatives\n$\n$\n113,020\n113,020\n \n$\n$\n100,087\n100,087\n \n$\n$\n120,715\n120,715\n \n$\n$\n23,861\n23,861\n \n$\n$\n357,683\n357,683\n \nDecember 31, 2022\nCarrying Value\nCredit default swaps:\nInvestment grade\n$\n2\n \n$\n25\n \n$\n133\n \n$\n34\n \n$\n194\n \nNon-investment grade\n120\n \n516\n \n870\n \n697\n \n2,203\n \nTotal\n122\n \n541\n \n1,003\n \n731\n \n2,397\n \nTotal return swaps/options:\n \n \n \n \n \nInvestment grade\n55\n \n336\n \n\u2014\n \n\u2014\n \n391\n \nNon-investment grade\n332\n \n9\n \n132\n \n10\n \n483\n \nTotal\n387\n \n345\n \n132\n \n10\n \n874\n \nTotal credit derivatives\nTotal credit derivatives\n$\n509\n \n$\n886\n \n$\n1,135\n \n$\n741\n \n$\n3,271\n \nCredit-related notes:\n \n \n \n \n \nInvestment grade\n$\n\u2014\n \n$\n\u2014\n \n$\n19\n \n$\n1,017\n \n$\n1,", "2380d99f-a63c-4cd1-a0c5-e053bbf348c4": "715\n \n$\n$\n23,861\n23,861\n \n$\n$\n357,683\n357,683\n \nDecember 31, 2022\nCarrying Value\nCredit default swaps:\nInvestment grade\n$\n2\n \n$\n25\n \n$\n133\n \n$\n34\n \n$\n194\n \nNon-investment grade\n120\n \n516\n \n870\n \n697\n \n2,203\n \nTotal\n122\n \n541\n \n1,003\n \n731\n \n2,397\n \nTotal return swaps/options:\n \n \n \n \n \nInvestment grade\n55\n \n336\n \n\u2014\n \n\u2014\n \n391\n \nNon-investment grade\n332\n \n9\n \n132\n \n10\n \n483\n \nTotal\n387\n \n345\n \n132\n \n10\n \n874\n \nTotal credit derivatives\nTotal credit derivatives\n$\n509\n \n$\n886\n \n$\n1,135\n \n$\n741\n \n$\n3,271\n \nCredit-related notes:\n \n \n \n \n \nInvestment grade\n$\n\u2014\n \n$\n\u2014\n \n$\n19\n \n$\n1,017\n \n$\n1,036\n \nNon-investment grade\n\u2014\n \n7\n \n6\n \n1,035\n \n1,048\n \nTotal credit-related notes\nTotal credit-related notes\n$\n\u2014\n \n$\n7\n \n$\n25\n \n$\n2,052\n \n$\n2,084\n \n \nMaximum Payout/Notional\nCredit default swaps:\nInvestment grade\n$\n34,670\n \n$\n66,170\n \n$\n93,237\n \n$\n18,677\n \n$\n212,754\n \nNon-investment grade\n15,229\n \n29,629\n \n30,891\n \n6,662\n \n82,411\n \nTotal\n49,899\n \n95,799\n \n124,128\n \n25,339\n \n295,165\n \nTotal return swaps/options:\n \n \n \n \n \nInvestment grade\n38,722\n \n10,407\n \n\u2014\n \n\u2014\n \n49,129\n \nNon-investment grade\n32,764\n \n500\n \n2,054\n \n897\n \n36,215\n \nTotal\n71,486\n \n10,907\n \n2,054\n \n897\n \n85,344\n \nTotal credit derivatives\nTotal credit derivatives\n$\n121,385\n \n$\n106,706\n \n$\n126,182\n \n$\n26,236\n \n$\n380,509\n \nThe notional amount represents the maximum amount payable by the\nCorporation for most credit derivatives. However, the Corporation does not\nmonitor its exposure to credit derivatives based solely on the notional amount\nbecause this measure does not take into consideration the probability of\noccurrence. As such, the notional amount is not a reliable indicator of the\nCorporation\u2019s exposure to these contracts. Instead, a risk framework is used\nto define risk tolerances and establish limits so that certain credit risk-related\nlosses occur within acceptable, predefined limits.\nCredit-related notes in the table above include investments in securities\nissued by CDO, collateralized loan obligation (CLO) and credit-linked note\nvehicles. These instruments are primarily\nclassified as trading securities. The carrying value of these instruments\nequals the Corporation\u2019s maximum exposure to loss. The Corporation is not\nobligated to make any payments to the entities under the terms of the\nsecurities owned.\nCredit-related Contingent Features and Collateral\nCredit-related Contingent Features and Collateral\nThe Corporation executes the majority of its derivative contracts in the OTC\nmarket with large, international financial institutions, including broker-dealers\nand, to a lesser degree, with a variety of nonfinancial companies. A significant\nmajority of the derivative transactions are executed on a daily margin basis.\nTherefore, events such as a credit rating downgrade (depending on the\nultimate rating level) or a breach of credit covenants would typically require an\nincrease in the amount of collateral\n109\n109\n \nBank of America", "6d6d49c5-516e-4d41-a579-bd64f7fad3cc": "required of the counterparty, where applicable, and/or allow the Corporation to\ntake additional protective measures such as early termination of all trades.\nFurther, as previously discussed on page 105, the Corporation enters into\nlegally enforceable master netting agreements that reduce risk by permitting\ncloseout and netting of transactions with the same counterparty upon the\noccurrence of certain events.\nCertain of the Corporation\u2019s derivative contracts contain credit risk-related\ncontingent features, primarily in the form of ISDA master netting agreements\nand credit support documentation that enhance the creditworthiness of these\ninstruments compared to other obligations of the respective counterparty with\nwhom the Corporation has transacted. These contingent features may be for\nthe benefit of the Corporation as well as its counterparties with respect to\nchanges in the Corporation\u2019s creditworthiness and the mark-to-market\nexposure under the derivative transactions. At December 31, 2023 and 2022,\nthe Corporation held cash and securities collateral of $\n104.1\n billion and\n$\n101.3\n billion and posted cash and securities collateral of $\n93.4\n billion and\n$\n81.2\n billion in the normal course of business under derivative agreements,\nexcluding cross-product margining agreements where clients are permitted to\nmargin on a net basis for both derivative and secured financing arrangements.\nIn connection with certain OTC derivative contracts and other trading\nagreements, the Corporation can be required to provide additional collateral or\nto terminate transactions with certain counterparties in the event of a\ndowngrade of the senior debt ratings of the Corporation or certain\nsubsidiaries. The amount of additional collateral required depends on the\ncontract and is usually a fixed incremental amount and/or the market value of\nthe exposure.\nAt December 31, 2023, the amount of collateral, calculated based on the\nterms of the contracts, that the Corporation and certain subsidiaries could be\nrequired to post to counterparties but had not yet posted to counterparties was\n$\n2.5\n billion, including $\n1.1\n billion for Bank of America, National Association\n(BANA).\nSome counterparties are currently able to unilaterally terminate certain\ncontracts, or the Corporation or certain subsidiaries may be required to take\nother action such as find a suitable replacement or obtain a guarantee. At\nDecember 31, 2023 and 2022, the liability recorded for these derivative\ncontracts was not significant.\nThe following table presents the amount of additional collateral that would\nhave been contractually required by derivative contracts and other trading\nagreements at December 31, 2023 if the rating agencies had downgraded\ntheir long-term senior debt ratings for the Corporation or certain subsidiaries\nby one incremental notch and by an additional second incremental notch. The\ntable also presents derivative liabilities that would be subject to unilateral\ntermination by counterparties upon downgrade of the Corporation's or certain\nsubsidiaries\u2019 long-term senior debt ratings.\nAdditional Collateral Required to be Posted and Derivative Liabilities\nAdditional Collateral Required to be Posted and Derivative Liabilities\nSubject to Unilateral Termination Upon Downgrade \nSubject to Unilateral Termination Upon Downgrade \nat December 31, 2023\nat December 31, 2023\n(Dollars in millions)\nOne \nOne \nIncremental\nIncremental\n Notch\n Notch\nSecond\nSecond\nIncremental\nIncremental\n Notch\n Notch\nAdditional collateral required to be posted\nAdditional collateral required to be posted\nupon downgrade\nupon downgrade\nBank of America Corporation\n$\n134\n \n$\n902\n \nBank of America, N.A. and subsidiaries \n45\n \n729\n \nDerivative liabilities subject to unilateral\nDerivative liabilities subject to unilateral\ntermination upon downgrade\ntermination upon downgrade\nDerivative liabilities\n$\n7\n \n$\n36\n \nCollateral posted\n6\n \n23\n \nIncluded in Bank of America Corporation collateral requirements in this table.\nValuation Adjustments on Derivatives\nValuation Adjustments on Derivatives\nThe Corporation records credit risk valuation adjustments on derivatives in\norder to properly reflect the credit quality of the counterparties and its own\ncredit quality. The Corporation calculates valuation adjustments on derivatives\nbased on a modeled expected exposure that incorporates current market risk\nfactors. The exposure also takes into consideration credit mitigants such as\nenforceable master netting agreements and collateral. CDS spread data is\nused to estimate the default probabilities and severities that are applied to the\nexposures. Where no observable credit default data is available for\ncounterparties, the Corporation uses proxies and other market data to\nestimate default probabilities and severity.", "99c99f98-088f-4958-a041-154919442746": "Valuation Adjustments on Derivatives\nValuation Adjustments on Derivatives\nThe Corporation records credit risk valuation adjustments on derivatives in\norder to properly reflect the credit quality of the counterparties and its own\ncredit quality. The Corporation calculates valuation adjustments on derivatives\nbased on a modeled expected exposure that incorporates current market risk\nfactors. The exposure also takes into consideration credit mitigants such as\nenforceable master netting agreements and collateral. CDS spread data is\nused to estimate the default probabilities and severities that are applied to the\nexposures. Where no observable credit default data is available for\ncounterparties, the Corporation uses proxies and other market data to\nestimate default probabilities and severity.\nThe table below presents credit valuation adjustment (CVA), DVA and FVA\ngains (losses) on derivatives (excluding the effect of any related hedge\nactivities), which are recorded in market making and similar activities, for\n2023, 2022 and 2021. CVA gains reduce the cumulative CVA thereby\nincreasing the derivative assets balance. DVA gains increase the cumulative\nDVA thereby decreasing the derivative liabilities balance. CVA and DVA losses\nhave the opposite impact. FVA gains related to derivative assets reduce the\ncumulative FVA thereby increasing the derivative assets balance. FVA gains\nrelated to derivative liabilities increase the cumulative FVA thereby decreasing\nthe derivative liabilities balance. FVA losses have the opposite impact.\nValuation Adjustments Gains (Losses) on Derivatives \nValuation Adjustments Gains (Losses) on Derivatives \n(Dollars in millions)\n2023\n2023\n2022\n2021\nDerivative assets (CVA)\n$\n$\n159\n159\n \n$\n(\n80\n)\n$\n208\n \nDerivative assets/liabilities (FVA)\n(\n(\n33\n33\n)\n)\n125\n \n(\n2\n)\nDerivative liabilities (DVA)\n(\n(\n207\n207\n)\n)\n194\n \n3\n \nAt December 31, 2023, 2022 and 2021, cumulative CVA reduced the derivative assets balance by $\n359\n million, $\n518\n million\nand $\n438\n million, cumulative FVA reduced the net derivative balance by $\n87\n million, $\n54\n million and $\n179\n million, and\ncumulative DVA reduced the derivative liabilities balance by $\n299\n million, $\n506\n million and $\n312\n million, respectively.\n(1)\n(1)\n(1)\n(1)\n(1)\nBank of America \n110\n110", "5fe2015e-5618-4d9c-a81a-01e5c579f521": "NOTE 4 \nNOTE 4 \nSecurities\nSecurities\nThe table below presents the amortized cost, gross unrealized gains and losses, and fair value of AFS debt securities, other debt securities carried at fair value\nand HTM debt securities at December 31, 2023 and 2022.\nDebt Securities\nDebt Securities\nAmortized\nAmortized\nCost\nCost\nGross\nGross\nUnrealized\nUnrealized\nGains\nGains\nGross\nGross\nUnrealized\nUnrealized\nLosses\nLosses\nFair \nFair \nValue\nValue\nAmortized\nCost\nGross\nUnrealized\nGains\nGross\nUnrealized\nLosses\nFair \nValue\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nDecember 31, 2022\nAvailable-for-sale debt securities\nAvailable-for-sale debt securities\nMortgage-backed securities:\nAgency\n$\n$\n39,195\n39,195\n \n$\n$\n37\n37\n \n$\n$\n(\n(\n1,420\n1,420\n)\n)\n$\n$\n37,812\n37,812\n \n$\n25,204\n \n$\n5\n \n$\n(\n1,767\n)\n$\n23,442\n \nAgency-collateralized mortgage obligations\n2,739\n2,739\n \n6\n6\n \n(\n(\n201\n201\n)\n)\n2,544\n2,544\n \n2,452\n \n\u2014\n \n(\n231\n)\n2,221\n \nCommercial\n10,909\n10,909\n \n40\n40\n \n(\n(\n514\n514\n)\n)\n10,435\n10,435\n \n6,894\n \n28\n \n(\n515\n)\n6,407\n \nNon-agency residential \n449\n449\n \n3\n3\n \n(\n(\n70\n70\n)\n)\n382\n382\n \n461\n \n15\n \n(\n90\n)\n386\n \nTotal mortgage-backed securities\n53,292\n53,292\n \n86\n86\n \n(\n(\n2,205\n2,205\n)\n)\n51,173\n51,173\n \n35,011\n \n48\n \n(\n2,603\n)\n32,456\n \nU.S. Treasury and government agencies\n179,108\n179,108\n \n19\n19\n \n(\n(\n1,461\n1,461\n)\n)\n177,666\n177,666\n \n160,773\n \n18\n \n(\n1,769\n)\n159,022\n \nNon-U.S. securities\n22,868\n22,868\n \n27\n27\n \n(\n(\n20\n20\n)\n)\n22,875\n22,875\n \n13,455\n \n4\n \n(\n52\n)\n13,407\n \nOther taxable securities\n4,910\n4,910\n \n1\n1\n \n(\n(\n76\n76\n)\n)\n4,835\n4,835\n \n4,728\n \n1\n \n(\n84\n)\n4,645\n \nTax-exempt securities\n10,304\n10,304\n \n17\n17\n \n(\n(\n221\n221\n)\n)\n10,100\n10,100\n \n11,518\n \n19\n \n(\n279\n)\n11,258\n \nTotal available-for-sale debt securities\nTotal available-for-sale debt securities\n270,482\n270,482\n \n150\n150\n \n(\n(\n3,983\n3,983\n)\n)\n266,649\n266,649\n \n225,485\n \n90\n \n(\n4,787\n)\n220,788\n \nOther debt securities carried at fair value \nOther debt securities carried at fair value \n10,202\n10,202\n \n56\n56\n \n(\n(\n55\n55\n)\n)\n10,203\n10,203\n \n8,986\n \n376\n \n(\n156\n)\n9,206\n \nTotal debt securities carried at fair value\nTotal debt securities carried at fair value\n280,684\n280,684\n \n206\n206\n \n(\n(\n4,038\n4,038\n)\n)\n276,852\n276,852\n \n234,471\n \n466\n \n(\n4,943\n)\n229,994\n \nHeld-to-maturity debt securities\nHeld-to-maturity debt securities\nAgency mortgage-backed securities\n465,456\n465,456\n \n\u2014\n\u2014\n \n(\n(\n78,930\n78,930\n)\n)\n386,526\n386,526\n \n503,233\n \n\u2014\n \n(\n87,319\n)\n415,914\n \nU.S.", "152f6c11-5cf4-4bfe-a27f-ee7866ac91ae": "Treasury and government agencies\n121,645\n121,645\n \n\u2014\n\u2014\n \n(\n(\n17,963\n17,963\n)\n)\n103,682\n103,682\n \n121,597\n \n\u2014\n \n(\n20,259\n)\n101,338\n \nOther taxable securities\n7,490\n7,490\n \n\u2014\n\u2014\n \n(\n(\n1,101\n1,101\n)\n)\n6,389\n6,389\n \n8,033\n \n\u2014\n \n(\n1,018\n)\n7,015\n \nTotal held-to-maturity debt securities\nTotal held-to-maturity debt securities\n594,591\n594,591\n \n\u2014\n\u2014\n \n(\n(\n97,994\n97,994\n)\n)\n496,597\n496,597\n \n632,863\n \n\u2014\n \n(\n108,596\n)\n524,267\n \nTotal debt securities \nTotal debt securities \n$\n$\n875,275\n875,275\n \n$\n$\n206\n206\n \n$\n$\n(\n(\n102,032\n102,032\n)\n)\n$\n$\n773,449\n773,449\n \n$\n867,334\n \n$\n466\n \n$\n(\n113,539\n)\n$\n754,261\n \nAt both December 31, 2023 and 2022, the underlying collateral type included approximately \n17\n percent prime and \n83\n percent subprime.\nPrimarily includes non-U.S. securities used to satisfy certain international regulatory requirements. Any changes in value are reported in market making and similar activities. For detail on the components, see \nNote 20 \u2013 Fair Value Measurements\n.\nIncludes securities pledged as collateral of $\n204.9\n billion and $\n104.5\n billion at December 31, 2023 and 2022.\nThe Corporation held debt securities from FNMA and FHLMC that each exceeded 10 percent of shareholders\u2019 equity, with an amortized cost of $\n272.5\n billion and $\n171.5\n billion, and a fair value of $\n226.4\n billion and $\n142.3\n billion at December 31, 2023, and an\namortized cost of $\n290.5\n billion and $\n176.7\n billion, and a fair value of $\n239.6\n billion and $\n144.6\n billion at December 31, 2022.\nAt December 31, 2023, the accumulated net unrealized loss on AFS debt\nsecurities, excluding the amount related to debt securities previously\ntransferred to held to maturity, included in accumulated OCI was $\n2.8\n billion,\nnet of the related income tax benefit of $\n960\n million. At December 31, 2023\nand 2022, nonperforming AFS debt securities held by the Corporation were not\nsignificant.\nAt December 31, 2023 and 2022, $\n824.9\n billion and $\n826.5\n billion of AFS\nand HTM debt securities, which were predominantly U.S. agency and U.S.\nTreasury securities, have a zero credit loss assumption. For the same\nperiods, the ECL on the remaining $\n40.2\n billion and $\n31.8\n billion of AFS and\nHTM debt securities were insignificant. For more information on the zero credit\nloss assumption, see \nNote 1 \u2013 Summary of Significant Accounting Principles\n.\nAt December 31, 2023 and 2022, the Corporation held equity securities at\nan aggregate fair value of $\n251\n million and $\n581\n million \nand \nother \nequity\nsecurities, as valued under the\nmeasurement alternative, at a carrying value of $\n377\n million and $\n340\n million,\nboth of which are included in other assets. At December 31, 2023 and 2022,\nthe Corporation also held money market investments at a fair value of $\n1.2\nbillion and $\n868\n million, which are included in time deposits placed and other\nshort-term investments.\nThe gross realized gains and losses on sales of AFS debt securities for\n2023, 2022 and 2021 are presented in the table below.", "d468b888-c28c-44c2-be03-602b4d38b5db": "For more information on the zero credit\nloss assumption, see \nNote 1 \u2013 Summary of Significant Accounting Principles\n.\nAt December 31, 2023 and 2022, the Corporation held equity securities at\nan aggregate fair value of $\n251\n million and $\n581\n million \nand \nother \nequity\nsecurities, as valued under the\nmeasurement alternative, at a carrying value of $\n377\n million and $\n340\n million,\nboth of which are included in other assets. At December 31, 2023 and 2022,\nthe Corporation also held money market investments at a fair value of $\n1.2\nbillion and $\n868\n million, which are included in time deposits placed and other\nshort-term investments.\nThe gross realized gains and losses on sales of AFS debt securities for\n2023, 2022 and 2021 are presented in the table below.\nGains and Losses on Sales of AFS Debt Securities\nGains and Losses on Sales of AFS Debt Securities\n(Dollars in millions)\n2023\n2023\n2022\n2021\nGross gains\n$\n$\n109\n109\n \n$\n1,251\n \n$\n49\n \nGross losses\n(\n(\n514\n514\n)\n)\n(\n1,219\n)\n(\n27\n)\nNet gains (losses) on sales of AFS debt\nNet gains (losses) on sales of AFS debt\nsecurities\nsecurities\n$\n$\n(\n(\n405\n405\n)\n)\n$\n32\n \n$\n22\n \nIncome tax expense (benefit) attributable to\nIncome tax expense (benefit) attributable to\nrealized net gains (losses) on sales of AFS debt\nrealized net gains (losses) on sales of AFS debt\nsecurities\nsecurities\n$\n$\n(\n(\n101\n101\n)\n)\n$\n8\n \n$\n5\n \n(1)\n(2)\n(2)\n(3,4)\n(3,4)\n(1)\n(2)\n(3)\n(4)\n111\n111\n \nBank of America", "8a9fca2f-e824-446d-8cbf-eb8fa3237392": "The table below presents the fair value and the associated gross unrealized losses on AFS debt securities and whether these securities have had gross\nunrealized losses for less than 12 months or for 12 months or longer at December 31, 2023 and 2022.\nTotal AFS Debt Securities in a Continuous Unrealized Loss Position\nTotal AFS Debt Securities in a Continuous Unrealized Loss Position\nLess than Twelve Months\nLess than Twelve Months\nTwelve Months or Longer\nTwelve Months or Longer\nTotal\nTotal\nFair \nFair \nValue\nValue\nGross\nGross\n Unrealized\n Unrealized\n Losses\n Losses\nFair \nFair \nValue\nValue\nGross\nGross\n Unrealized\n Unrealized\n Losses\n Losses\nFair \nFair \nValue\nValue\nGross\nGross\n Unrealized\n Unrealized\n Losses\n Losses\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nContinuously unrealized loss-positioned AFS debt securities\nContinuously unrealized loss-positioned AFS debt securities\nMortgage-backed securities:\n \n \n \n \n \n \nAgency\n$\n$\n8,624\n8,624\n \n$\n$\n(\n(\n21\n21\n)\n)\n$\n$\n20,776\n20,776\n \n$\n$\n(\n(\n1,399\n1,399\n)\n)\n$\n$\n29,400\n29,400\n \n$\n$\n(\n(\n1,420\n1,420\n)\n)\nAgency-collateralized mortgage obligations\n\u2014\n\u2014\n \n\u2014\n\u2014\n \n1,701\n1,701\n \n(\n(\n201\n201\n)\n)\n1,701\n1,701\n \n(\n(\n201\n201\n)\n)\nCommercial\n2,363\n2,363\n \n(\n(\n27\n27\n)\n)\n4,588\n4,588\n \n(\n(\n487\n487\n)\n)\n6,951\n6,951\n \n(\n(\n514\n514\n)\n)\nNon-agency residential\n\u2014\n\u2014\n \n\u2014\n\u2014\n \n370\n370\n \n(\n(\n70\n70\n)\n)\n370\n370\n \n(\n(\n70\n70\n)\n)\nTotal mortgage-backed securities\n10,987\n10,987\n \n(\n(\n48\n48\n)\n)\n27,435\n27,435\n \n(\n(\n2,157\n2,157\n)\n)\n38,422\n38,422\n \n(\n(\n2,205\n2,205\n)\n)\nU.S. Treasury and government agencies\n14,907\n14,907\n \n(\n(\n12\n12\n)\n)\n69,669\n69,669\n \n(\n(\n1,449\n1,449\n)\n)\n84,576\n84,576\n \n(\n(\n1,461\n1,461\n)\n)\nNon-U.S.", "d286b4fb-9092-41fa-afe8-a1c6235acd74": "Treasury and government agencies\n14,907\n14,907\n \n(\n(\n12\n12\n)\n)\n69,669\n69,669\n \n(\n(\n1,449\n1,449\n)\n)\n84,576\n84,576\n \n(\n(\n1,461\n1,461\n)\n)\nNon-U.S. securities\n7,702\n7,702\n \n(\n(\n8\n8\n)\n)\n1,524\n1,524\n \n(\n(\n12\n12\n)\n)\n9,226\n9,226\n \n(\n(\n20\n20\n)\n)\nOther taxable securities\n3,269\n3,269\n \n(\n(\n19\n19\n)\n)\n1,437\n1,437\n \n(\n(\n57\n57\n)\n)\n4,706\n4,706\n \n(\n(\n76\n76\n)\n)\nTax-exempt securities\n466\n466\n \n(\n(\n5\n5\n)\n)\n2,106\n2,106\n \n(\n(\n216\n216\n)\n)\n2,572\n2,572\n \n(\n(\n221\n221\n)\n)\nTotal AFS debt securities in a continuous\nTotal AFS debt securities in a continuous\n unrealized loss position\n unrealized loss position\n$\n$\n37,331\n37,331\n \n$\n$\n(\n(\n92\n92\n)\n)\n$\n$\n102,171\n102,171\n \n$\n$\n(\n(\n3,891\n3,891\n)\n)\n$\n$\n139,502\n139,502\n \n$\n$\n(\n(\n3,983\n3,983\n)\n)\nDecember 31, 2022\nContinuously unrealized loss-positioned AFS debt securities\nContinuously unrealized loss-positioned AFS debt securities\nMortgage-backed securities:\nAgency\n$\n18,759\n \n$\n(\n1,118\n)\n$\n4,437\n \n$\n(\n649\n)\n$\n23,196\n \n$\n(\n1,767\n)\nAgency-collateralized mortgage obligations\n1,165\n \n(\n96\n)\n1,022\n \n(\n135\n)\n2,187\n \n(\n231\n)\nCommercial\n3,273\n \n(\n150\n)\n2,258\n \n(\n365\n)\n5,531\n \n(\n515\n)\nNon-agency residential\n264\n \n(\n65\n)\n97\n \n(\n25\n)\n361\n \n(\n90\n)\nTotal mortgage-backed securities\n23,461\n \n(\n1,429\n)\n7,814\n \n(\n1,174\n)\n31,275\n \n(\n2,603\n)\nU.S. Treasury and government agencies\n36,730\n \n(\n308\n)\n118,636\n \n(\n1,461\n)\n155,366\n \n(\n1,769\n)\nNon-U.S. securities\n9,399\n \n(\n34\n)\n756\n \n(\n18\n)\n10,155\n \n(\n52\n)\nOther taxable securities\n2,036\n \n(\n16\n)\n1,580\n \n(\n68\n)\n3,616\n \n(\n84\n)\nTax-exempt securities\n607\n \n(\n28\n)\n2,849\n \n(\n251\n)\n3,456\n \n(\n279\n)\nTotal AFS debt securities in a continuous\nTotal AFS debt securities in a continuous\n unrealized loss position\n unrealized loss position\n$\n72,233\n \n$\n(\n1,815\n)\n$\n131,635\n \n$\n(\n2,972\n)\n$\n203,868\n \n$\n(\n4,787\n)\nBank of America \n112\n112", "4ba2ffd7-dac2-4d1a-aa36-cce2dfabf350": "The remaining contractual maturity distribution and yields of the Corporation\u2019s debt securities carried at fair value and HTM debt securities at December 31,\n2023 are summarized in the table below. Actual duration and yields may differ as prepayments on the loans underlying the MBS or other ABS are passed through\nto the Corporation.\nMaturities of Debt Securities Carried at Fair Value and Held-to-maturity Debt Securities\nMaturities of Debt Securities Carried at Fair Value and Held-to-maturity Debt Securities\nDue in One\nDue in One\nYear or Less\nYear or Less\nDue after One Year\nDue after One Year\nthrough Five Years\nthrough Five Years\nDue after Five Years\nDue after Five Years\nthrough Ten Years\nthrough Ten Years\nDue after \nDue after \nTen Years\nTen Years\nTotal\nTotal\n(Dollars in millions)\nAmount\nAmount\nYield \nYield \nAmount\nAmount\nYield \nYield \nAmount\nAmount\nYield \nYield \nAmount\nAmount\nYield \nYield \nAmount\nAmount\nYield \nYield \nAmortized cost of debt securities carried at fair value\nAmortized cost of debt securities carried at fair value\n \n \n \n \n \n \n \n \n \n \nMortgage-backed securities:\n \n \n \n \n \n \n \n \n \n \nAgency\n$\n\u2014\n \n\u2014\n \n%\n$\n4\n \n4.00\n \n%\n$\n8\n \n3.38\n \n%\n$\n39,183\n \n4.66\n \n%\n$\n39,195\n \n4.66\n \n%\nAgency-collateralized mortgage obligations\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n2,739\n \n3.39\n \n2,739\n \n3.39\n \nCommercial\n\u2014\n \n\u2014\n \n1,759\n \n6.18\n \n7,475\n \n4.59\n \n1,688\n \n2.61\n \n10,922\n \n4.54\n \nNon-agency residential\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n732\n \n10.48\n \n732\n \n10.48\n \nTotal mortgage-backed securities\n\u2014\n \n\u2014\n \n1,763\n \n6.17\n \n7,483\n \n4.59\n \n44,342\n \n4.60\n \n53,588\n \n4.65\n \nU.S. Treasury and government agencies\n79,257\n \n5.29\n \n86,631\n \n3.39\n \n14,868\n \n2.72\n \n42\n \n3.90\n \n180,798\n \n4.17\n \nNon-U.S. securities\n19,138\n \n3.96\n \n6,546\n \n1.82\n \n4,203\n \n5.49\n \n1,197\n \n5.07\n \n31,084\n \n3.76\n \nOther taxable securities\n422\n \n6.09\n \n3,995\n \n6.14\n \n377\n \n4.30\n \n116\n \n3.27\n \n4,910\n \n5.93\n \nTax-exempt securities\n1,801\n \n4.53\n \n3,698\n \n3.62\n \n873\n \n3.11\n \n3,932\n \n4.17\n \n10,304\n \n3.94\n \nTotal amortized cost of debt securities carried at\nTotal amortized cost of debt securities carried at\nfair value\nfair value\n$\n$\n100,618\n100,618\n \n5.03\n5.03\n \n$\n$\n102,633\n102,633\n \n3.45\n3.45\n \n$\n$\n27,804\n27,804\n \n3.68\n3.68\n \n$\n$\n49,629\n49,629\n \n4.57\n4.57\n \n$\n$\n280,684\n280,684\n \n4.24\n4.24\n \nAmortized cost of HTM debt securities\nAmortized cost of HTM debt securities\nAgency mortgage-backed securities\n$\n\u2014\n \n\u2014\n \n%\n$\n\u2014\n \n\u2014\n \n%\n$\n12\n \n2.67\n \n%\n$\n465,444\n \n2.12\n \n%\n$\n465,456\n \n2.12\n \n%\nU.S.", "09be7303-5a13-4b0d-99bd-c9e83d56e1b2": "Treasury and government agencies\n\u2014\n \n\u2014\n \n4,563\n \n1.80\n \n117,082\n \n1.38\n \n\u2014\n \n\u2014\n \n121,645\n \n1.40\n \nOther taxable securities\n58\n \n1.85\n \n1,240\n \n2.57\n \n253\n \n3.28\n \n5,939\n \n2.49\n \n7,490\n \n2.52\n \nTotal amortized cost of HTM debt securities\nTotal amortized cost of HTM debt securities\n$\n$\n58\n58\n \n1.85\n1.85\n \n$\n$\n5,803\n5,803\n \n1.96\n1.96\n \n$\n$\n117,347\n117,347\n \n1.38\n1.38\n \n$\n$\n471,383\n471,383\n \n2.12\n2.12\n \n$\n$\n594,591\n594,591\n \n1.97\n1.97\n \nDebt securities carried at fair value\nDebt securities carried at fair value\n \n \n \n \n \n \n \n \n \n \nMortgage-backed securities:\n \n \n \n \n \n \n \n \n \n \nAgency\n$\n\u2014\n \n \n$\n4\n \n \n$\n8\n \n \n$\n37,800\n \n \n$\n37,812\n \n \nAgency-collateralized mortgage obligations\n\u2014\n \n \n\u2014\n \n \n\u2014\n \n \n2,544\n \n \n2,544\n \n \nCommercial\n1\n \n \n1,720\n \n \n7,260\n \n \n1,465\n \n \n10,446\n \n \nNon-agency residential\n\u2014\n \n \n2\n \n \n\u2014\n \n \n660\n \n \n662\n \n \nTotal mortgage-backed securities\n1\n \n1,726\n \n7,268\n \n42,469\n \n51,464\n \nU.S. Treasury and government agencies\n79,268\n \n85,674\n \n14,374\n \n40\n \n179,356\n \nNon-U.S. securities\n19,138\n \n \n6,554\n \n \n4,204\n \n \n1,198\n \n \n31,094\n \n \nOther taxable securities\n419\n \n \n3,966\n \n \n346\n \n \n107\n \n \n4,838\n \n \nTax-exempt securities\n1,797\n \n \n3,687\n \n \n855\n \n \n3,761\n \n \n10,100\n \n \nTotal debt securities carried at fair value\nTotal debt securities carried at fair value\n$\n$\n100,623\n100,623\n \n \n$\n$\n101,607\n101,607\n \n \n$\n$\n27,047\n27,047\n \n \n$\n$\n47,575\n47,575\n \n \n$\n$\n276,852\n276,852\n \n \nFair value of HTM debt securities\nFair value of HTM debt securities\nAgency mortgage-backed securities\n$\n\u2014\n \n$\n\u2014\n \n$\n11\n \n$\n386,515\n \n$\n386,526\n \nU.S. Treasury and government agencies\n\u2014\n \n4,279\n \n99,403\n \n\u2014\n \n103,682\n \nOther taxable securities\n57\n \n1,177\n \n194\n \n4,961\n \n6,389\n \nTotal fair value of HTM debt securities\nTotal fair value of HTM debt securities\n$\n$\n57\n57\n \n$\n$\n5,456\n5,456\n \n$\n$\n99,608\n99,608\n \n$\n$\n391,476\n391,476\n \n$\n$\n496,597\n496,597\n \nThe weighted-average yield is computed based on a constant effective yield over the contractual life of each security. The yield considers the contractual coupon and the amortization of premiums and accretion of discounts, excluding the effect of related hedging\nderivatives.\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n113\n113\n \nBank of America", "ac34b589-109f-47a6-942e-57aaf3ded789": "NOTE 5\n \n \nOutstanding Loans and Leases and Allowance for Credit Losses\nOutstanding Loans and Leases and Allowance for Credit Losses\nThe following tables present total outstanding loans and leases and an aging analysis for the Consumer Real Estate, Credit Card and Other Consumer, and\nCommercial portfolio segments, by class of financing receivables, at December 31, 2023 and 2022.\n30-59 Days\n30-59 Days\n Past Due \n Past Due \n60-89 Days\n60-89 Days\n Past Due \n Past Due \n90 Days or\n90 Days or\nMore\nMore\nPast Due \nPast Due \nTotal Past\nTotal Past\nDue 30 Days\nDue 30 Days\nor More\nor More\nTotal\nTotal\n Current or\n Current or\n Less Than\n Less Than\n 30 Days\n 30 Days\n Past Due \n Past Due \nLoans\nLoans\n Accounted\n Accounted\n for Under\n for Under\n the Fair\n the Fair\n Value\n Value\n Option\n Option\nTotal\nTotal\nOutstandings\nOutstandings\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nConsumer real estate\nConsumer real estate\n \n \n \n \n \n \nResidential mortgage\n$\n$\n1,177\n1,177\n \n$\n$\n302\n302\n \n$\n$\n829\n829\n \n$\n$\n2,308\n2,308\n \n$\n$\n226,095\n226,095\n \n$\n$\n228,403\n228,403\n \nHome equity\n90\n90\n \n38\n38\n \n161\n161\n \n289\n289\n \n25,238\n25,238\n \n25,527\n25,527\n \nCredit card and other consumer\nCredit card and other consumer\nCredit card\n680\n680\n \n515\n515\n \n1,224\n1,224\n \n2,419\n2,419\n \n99,781\n99,781\n \n102,200\n102,200\n \nDirect/Indirect consumer \n306\n306\n \n99\n99\n \n91\n91\n \n496\n496\n \n102,972\n102,972\n \n103,468\n103,468\n \nOther consumer\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n124\n124\n \n124\n124\n \nTotal consumer\n2,253\n2,253\n \n954\n954\n \n2,305\n2,305\n \n5,512\n5,512\n \n454,210\n454,210\n \n459,722\n459,722\n \nConsumer loans accounted for under the fair value option \n$\n$\n243\n243\n \n243\n243\n \nTotal consumer loans and leases\nTotal consumer loans and leases\n2,253\n2,253\n \n954\n954\n \n2,305\n2,305\n \n5,512\n5,512\n \n454,210\n454,210\n \n243\n243\n \n459,965\n459,965\n \nCommercial\nCommercial\nU.S. commercial\n477\n477\n \n96\n96\n \n225\n225\n \n798\n798\n \n358,133\n358,133\n \n358,931\n358,931\n \nNon-U.S. commercial\n86\n86\n \n21\n21\n \n64\n64\n \n171\n171\n \n124,410\n124,410\n \n124,581\n124,581\n \nCommercial real estate \n247\n247\n \n133\n133\n \n505\n505\n \n885\n885\n \n71,993\n71,993\n \n72,878\n72,878\n \nCommercial lease financing\n44\n44\n \n8\n8\n \n24\n24\n \n76\n76\n \n14,778\n14,778\n \n14,854\n14,854\n \nU.S.", "c4f189e8-fa45-4fd7-a78b-c0de1dfd496e": "commercial\n477\n477\n \n96\n96\n \n225\n225\n \n798\n798\n \n358,133\n358,133\n \n358,931\n358,931\n \nNon-U.S. commercial\n86\n86\n \n21\n21\n \n64\n64\n \n171\n171\n \n124,410\n124,410\n \n124,581\n124,581\n \nCommercial real estate \n247\n247\n \n133\n133\n \n505\n505\n \n885\n885\n \n71,993\n71,993\n \n72,878\n72,878\n \nCommercial lease financing\n44\n44\n \n8\n8\n \n24\n24\n \n76\n76\n \n14,778\n14,778\n \n14,854\n14,854\n \nU.S. small business commercial \n166\n166\n \n89\n89\n \n184\n184\n \n439\n439\n \n18,758\n18,758\n \n19,197\n19,197\n \nTotal commercial\n1,020\n1,020\n \n347\n347\n \n1,002\n1,002\n \n2,369\n2,369\n \n588,072\n588,072\n \n590,441\n590,441\n \nCommercial loans accounted for under the fair value option \n3,326\n3,326\n \n3,326\n3,326\n \nTotal commercial loans and leases\nTotal commercial loans and leases\n1,020\n1,020\n \n347\n347\n \n1,002\n1,002\n \n2,369\n2,369\n \n588,072\n588,072\n \n3,326\n3,326\n \n593,767\n593,767\n \nTotal loans and leases \nTotal loans and leases \n$\n$\n3,273\n3,273\n \n$\n$\n1,301\n1,301\n \n$\n$\n3,307\n3,307\n \n$\n$\n7,881\n7,881\n \n$\n$\n1,042,282\n1,042,282\n \n$\n$\n3,569\n3,569\n \n$\n$\n1,053,732\n1,053,732\n \nPercentage of outstandings\nPercentage of outstandings\n0.31\n0.31\n \n%\n%\n0.12\n0.12\n \n%\n%\n0.32\n0.32\n \n%\n%\n0.75\n0.75\n \n%\n%\n98.91\n98.91\n \n%\n%\n0.34\n0.34\n \n%\n%\n100.00\n100.00\n \n%\n%\nConsumer real estate loans 30-59 days past due includes fully-insured loans of $\n198\n million and nonperforming loans of $\n150\n million. Consumer real estate loans 60-89 days past due includes fully-insured loans of $\n77\n million and nonperforming loans of $\n102\nmillion. Consumer real estate loans 90 days or more past due includes fully-insured loans of $\n252\n million and nonperforming loans of $\n738\n million. Consumer real estate loans current or less than 30 days past due includes $\n1.6\n billion, and direct/indirect consumer\nincludes $\n39\n million of nonperforming loans.\nTotal outstandings primarily includes auto and specialty lending loans and leases of $\n53.9\n billion, U.S. securities-based lending loans of $\n46.0\n billion and non-U.S. consumer loans of $\n2.8\n billion.\nConsumer loans accounted for under the fair value option includes residential mortgage loans of $\n66\n million and home equity loans of $\n177\n million. Commercial loans accounted for under the fair value option includes U.S. commercial loans of $\n2.2\n billion and non-\nU.S. commercial loans of $\n1.2\n billion. For more information, see \nNote 20 \u2013 Fair Value Measurements\n and \nNote 21 \u2013 Fair Value Option\n.\nTotal outstandings includes U.S. commercial real estate loans of $\n66.8\n billion and non-U.S. commercial real estate loans of $\n6.1\n billion.\nIncludes Paycheck Protection Program loans.\nTotal outstandings includes loans and leases pledged as collateral of $\n33.7\n billion. The Corporation also pledged $\n246.0\n billion of loans with no related outstanding borrowings to secure potential borrowing capacity with the Federal Reserve Bank and Federal\nHome Loan Bank.\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n(1)\n(2)\n(3)\n(4)\n(5)\n(3)\n(6)\n(6)\n(1)\n(2)\n(3)\n(4)\n(5)\n(6)\nBank of America \n114\n114", "38dacbe9-92c3-46c7-b4bf-6653bdbb7559": "30-59 Days\nPast Due \n60-89 Days\n Past Due \n90 Days or\nMore\nPast Due \nTotal Past\nDue 30 Days\nor More\nTotal\nCurrent or\nLess Than\n30 Days\nPast Due \nLoans\nAccounted \nfor Under\nthe Fair \nValue Option\nTotal Outstandings\n(Dollars in millions)\nDecember 31, 2022\nConsumer real estate\nConsumer real estate\n \n \n \n \n \n \nResidential mortgage\n$\n1,077\n \n$\n245\n \n$\n945\n \n$\n2,267\n \n$\n227,403\n \n$\n229,670\n \nHome equity\n88\n \n32\n \n211\n \n331\n \n26,232\n \n26,563\n \nCredit card and other consumer\nCredit card and other consumer\n \n \n \n \n \nCredit card\n466\n \n322\n \n717\n \n1,505\n \n91,916\n \n \n93,421\n \nDirect/Indirect consumer \n204\n \n59\n \n45\n \n308\n \n105,928\n \n \n106,236\n \nOther consumer \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n156\n \n \n156\n \nTotal consumer\n1,835\n \n658\n \n1,918\n \n4,411\n \n451,635\n \n456,046\n \nConsumer loans accounted for under the fair value option \n$\n339\n \n339\n \nTotal consumer loans and leases\nTotal consumer loans and leases\n1,835\n \n658\n \n1,918\n \n4,411\n \n451,635\n \n339\n \n456,385\n \nCommercial\nCommercial\n \n \n \n \n \n \n \nU.S. commercial\n827\n \n288\n \n330\n \n1,445\n \n357,036\n \n \n358,481\n \nNon-U.S. commercial\n317\n \n59\n \n144\n \n520\n \n123,959\n \n \n124,479\n \nCommercial real estate \n409\n \n81\n \n77\n \n567\n \n69,199\n \n \n69,766\n \nCommercial lease financing\n49\n \n9\n \n11\n \n69\n \n13,575\n \n \n13,644\n \nU.S. small business commercial \n107\n \n63\n \n356\n \n526\n \n17,034\n \n \n17,560\n \nTotal commercial\n1,709\n \n500\n \n918\n \n3,127\n \n580,803\n \n \n583,930\n \nCommercial loans accounted for under the fair value option \n5,432\n \n5,432\n \nTotal commercial loans and leases\nTotal commercial loans and leases\n1,709\n \n500\n \n918\n \n3,127\n \n580,803\n \n5,432\n \n589,362\n \nTotal loans and leases \nTotal loans and leases \n$\n3,544\n \n$\n1,158\n \n$\n2,836\n \n$\n7,538\n \n$\n1,032,438\n \n$\n5,771\n \n$\n1,045,747\n \nPercentage of outstandings\nPercentage of outstandings\n0.34\n \n%\n0.11\n \n%\n0.27\n \n%\n0.72\n \n%\n98.73\n \n%\n0.55\n \n%\n100.00\n \n%\nConsumer real estate loans 30-59 days past due includes fully-insured loans of $\n184\n million and nonperforming loans of $\n155\n million. Consumer real estate loans 60-89 days past due includes fully-insured loans of $\n75\n million and nonperforming loans of $\n88\nmillion. Consumer real estate loans 90 days or more past due includes fully-insured loans of $\n368\n million and nonperforming loans of $\n788\n million. Consumer real estate loans current or less than 30 days past due includes $\n1.6\n billion, and direct/indirect consumer\nincludes $\n27\n million of nonperforming loans.\nTotal outstandings primarily includes auto and specialty lending loans and leases of $\n51.8\n billion, U.S. securities-based lending loans of $\n50.4\n billion and non-U.S. consumer loans of $\n3.0\n billion.\nConsumer loans accounted for under the fair value option includes residential mortgage loans of $\n71\n million and home equity loans of $\n268\n million. Commercial loans accounted for under the fair value option includes U.S. commercial loans of $\n2.9\n billion and non-\nU.S. commercial loans of $\n2.5\n billion. For more information, see \nNote 20 \u2013 Fair Value Measurements\n and \nNote 21 \u2013 Fair Value Option\n.\nTotal outstandings includes U.S. commercial real estate loans of $\n64.9\n billion and non-U.S. commercial real estate loans of $\n4.8\n billion.\nIncludes Paycheck Protection Program loans.\nTotal outstandings includes loans and leases pledged as collateral of $\n18.5\n billion. The Corporation also pledged $\n163.6\n billion of loans with no related outstanding borrowings to secure potential borrowing capacity with the Federal Reserve Bank and Federal\nHome Loan Bank.", "757f0fae-077c-4617-b8f9-cee37958fa91": "Consumer loans accounted for under the fair value option includes residential mortgage loans of $\n71\n million and home equity loans of $\n268\n million. Commercial loans accounted for under the fair value option includes U.S. commercial loans of $\n2.9\n billion and non-\nU.S. commercial loans of $\n2.5\n billion. For more information, see \nNote 20 \u2013 Fair Value Measurements\n and \nNote 21 \u2013 Fair Value Option\n.\nTotal outstandings includes U.S. commercial real estate loans of $\n64.9\n billion and non-U.S. commercial real estate loans of $\n4.8\n billion.\nIncludes Paycheck Protection Program loans.\nTotal outstandings includes loans and leases pledged as collateral of $\n18.5\n billion. The Corporation also pledged $\n163.6\n billion of loans with no related outstanding borrowings to secure potential borrowing capacity with the Federal Reserve Bank and Federal\nHome Loan Bank.\nThe Corporation has entered into long-term credit protection agreements\nwith FNMA and FHLMC on loans totaling $\n8.7\n billion and $\n9.5\n billion at\nDecember 31, 2023 and 2022, providing full credit protection on residential\nmortgage loans that become severely delinquent. All of these loans are\nindividually insured, and therefore the Corporation does not record an\nallowance for credit losses related to these loans.\nNonperforming Loans and Leases\nNonperforming Loans and Leases\nCommercial nonperforming loans increased to $\n2.8\n billion at December 31,\n2023 from $\n1.1\n billion at December 31, 2022, driven by the commercial real\nestate property type. Consumer\nnonperforming loans remained relatively unchanged at $\n2.7\n billion at\nDecember 31, 2023.\nThe following table presents the Corporation\u2019s nonperforming loans and\nleases and loans accruing past due \n90\n days or more at December 31, 2023\nand 2022. Nonperforming LHFS are excluded from nonperforming loans and\nleases as they are recorded at either fair value or the lower of cost or fair value.\nFor more information on the criteria for classification as nonperforming, see\nNote 1 \u2013 Summary of Significant Accounting Principles.\n(1)\n(1)\n(1)\n(1)\n(2)\n(3)\n(4)\n(5)\n(3)\n(6)\n(6)\n(1)\n(2)\n(3)\n(4)\n(5)\n(6)\n115\n115\n \nBank of America", "ec6d379b-d7aa-406c-8074-2c552083af7d": "Credit Quality\nCredit Quality\nNonperforming Loans \nNonperforming Loans \nand Leases\nand Leases\nAccruing Past Due\nAccruing Past Due\n90 Days or More\n90 Days or More\nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\nResidential mortgage\n$\n$\n2,114\n2,114\n \n$\n2,167\n \n$\n$\n252\n252\n \n$\n368\n \nWith no related allowance \n1,974\n1,974\n \n1,973\n \n\u2014\n\u2014\n \n\u2014\n \nHome equity \n450\n450\n \n510\n \n\u2014\n\u2014\n \n\u2014\n \nWith no related allowance \n375\n375\n \n393\n \n\u2014\n\u2014\n \n\u2014\n \nCredit Card\n n/a\n n/a\n n/a\n1,224\n1,224\n \n717\n \nDirect/indirect consumer\n148\n148\n \n77\n \n2\n2\n \n2\n \nTotal consumer\nTotal consumer\n2,712\n2,712\n \n2,754\n \n1,478\n1,478\n \n1,087\n \nU.S. commercial\n636\n636\n \n553\n \n51\n51\n \n190\n \nNon-U.S. commercial\n175\n175\n \n212\n \n4\n4\n \n25\n \nCommercial real estate\n1,927\n1,927\n \n271\n \n32\n32\n \n46\n \nCommercial lease financing\n19\n19\n \n4\n \n7\n7\n \n8\n \nU.S. small business commercial\n16\n16\n \n14\n \n184\n184\n \n355\n \nTotal commercial\nTotal commercial\n2,773\n2,773\n \n1,054\n \n278\n278\n \n624\n \nTotal nonperforming loans\nTotal nonperforming loans\n$\n$\n5,485\n5,485\n \n$\n3,808\n \n$\n$\n1,756\n1,756\n \n$\n1,711\n \nPercentage of outstanding loans and leases\nPercentage of outstanding loans and leases\n0.52\n0.52\n \n%\n%\n0.37\n \n%\n0.17\n0.17\n \n%\n%\n0.16\n \n%\nResidential mortgage loans accruing past due 90 days or more are fully-insured loans. At December 31, 2023 and 2022 residential mortgage included $\n156\n million and $\n260\n million of loans on which interest had been curtailed by the FHA, and therefore were no\nlonger accruing interest, although principal was still insured, and $\n96\n million and $\n108\n million of loans on which interest was still accruing.\nPrimarily relates to loans for which the estimated fair value of the underlying collateral less any costs to sell is greater than the amortized cost of the loans as of the reporting date.\nn/a = not applicable\nCredit Quality Indicators\nCredit Quality Indicators\nThe Corporation monitors credit quality within its Consumer Real Estate,\nCredit Card and Other Consumer, and Commercial portfolio segments based\non primary credit quality indicators. For more information on the portfolio\nsegments, see \nNote 1 \u2013 Summary of Significant Accounting Principles. \nWithin\nthe Consumer Real Estate portfolio segment, the primary credit quality\nindicators are refreshed LTV and refreshed Fair Isaac Corporation (FICO)\nscore. Refreshed LTV measures the carrying value of the loan as a\npercentage of the value of the property securing the loan, refreshed quarterly.\nHome equity loans are evaluated using CLTV, which measures the carrying\nvalue of the Corporation\u2019s loan and available line of credit combined with any\noutstanding senior liens against the property as a percentage of the value of\nthe property securing the loan, refreshed quarterly. FICO score measures the\ncreditworthiness of the borrower based on the financial obligations of the\nborrower and the borrower\u2019s credit history. FICO scores are typically refreshed\nquarterly or more frequently. Certain borrowers (e.g., borrowers that have had\ndebts discharged in a bankruptcy proceeding) may not have their FICO scores\nupdated. FICO scores are also a\nprimary credit quality indicator for the Credit Card and Other Consumer\nportfolio segment and the business card portfolio within U.S. small business\ncommercial. Within the Commercial portfolio segment, loans are evaluated\nusing the internal classifications of pass rated or reservable criticized as the\nprimary credit quality indicators. The term reservable criticized refers to those\ncommercial loans that are internally classified or listed by the Corporation as\nSpecial Mention, Substandard or Doubtful, which are asset quality categories\ndefined by regulatory authorities. These assets have an elevated level of risk\nand may have a high probability of default or total loss. Pass rated refers to all\nloans not considered reservable criticized.", "45004e22-c1cc-429c-8fd0-dcac19e7c1dd": "FICO scores are typically refreshed\nquarterly or more frequently. Certain borrowers (e.g., borrowers that have had\ndebts discharged in a bankruptcy proceeding) may not have their FICO scores\nupdated. FICO scores are also a\nprimary credit quality indicator for the Credit Card and Other Consumer\nportfolio segment and the business card portfolio within U.S. small business\ncommercial. Within the Commercial portfolio segment, loans are evaluated\nusing the internal classifications of pass rated or reservable criticized as the\nprimary credit quality indicators. The term reservable criticized refers to those\ncommercial loans that are internally classified or listed by the Corporation as\nSpecial Mention, Substandard or Doubtful, which are asset quality categories\ndefined by regulatory authorities. These assets have an elevated level of risk\nand may have a high probability of default or total loss. Pass rated refers to all\nloans not considered reservable criticized. In addition to these primary credit\nquality indicators, the Corporation uses other credit quality indicators for\ncertain types of loans.\nThe following tables present certain credit quality indicators and gross\ncharge-offs for the Corporation's Consumer Real Estate, Credit Card and\nOther Consumer, and Commercial portfolio segments by year of origination,\nexcept for revolving loans and revolving loans that were modified into term\nloans, which are shown on an aggregate basis at December 31, 2023.\n (1)\n(2)\n(1)\n(2)\n(1)\n(2)\nBank of America \n116\n116", "0a54a1f2-dab5-4d42-ba1e-f175afddf6a0": "Residential Mortgage \u2013 Credit Quality Indicators By Vintage\nResidential Mortgage \u2013 Credit Quality Indicators By Vintage\nTerm Loans by Origination Year\nTerm Loans by Origination Year\n(Dollars in millions)\nTotal as of\nTotal as of\nDecember 31,\nDecember 31,\n 2023\n 2023\n2023\n2022\n2021\n2020\n2019\nPrior\nResidential Mortgage\nResidential Mortgage\nRefreshed LTV\n \n \n \nLess than or equal to 90 percent\n$\n$\n214,661\n214,661\n \n$\n15,224\n \n$\n38,225\n \n$\n76,229\n \n$\n35,072\n \n$\n17,432\n \n$\n32,479\n \nGreater than 90 percent but less than or equal to 100 percent\n1,994\n1,994\n \n698\n \n911\n \n286\n \n53\n \n25\n \n21\n \nGreater than 100 percent\n785\n785\n \n264\n \n342\n \n100\n \n31\n \n14\n \n34\n \nFully-insured loans\n10,963\n10,963\n \n540\n \n350\n \n3,415\n \n2,834\n \n847\n \n2,977\n \nTotal Residential Mortgage\nTotal Residential Mortgage\n$\n$\n228,403\n228,403\n \n$\n16,726\n \n$\n39,828\n \n$\n80,030\n \n$\n37,990\n \n$\n18,318\n \n$\n35,511\n \nResidential Mortgage\nResidential Mortgage\nRefreshed FICO score\nLess than 620\n$\n$\n2,335\n2,335\n \n$\n115\n \n$\n471\n \n$\n589\n \n$\n402\n \n$\n136\n \n$\n622\n \nGreater than or equal to 620 and less than 680\n4,671\n4,671\n \n359\n \n919\n \n1,235\n \n777\n \n296\n \n1,085\n \nGreater than or equal to 680 and less than 740\n23,357\n23,357\n \n1,934\n \n4,652\n \n6,988\n \n3,742\n \n1,836\n \n4,205\n \nGreater than or equal to 740\n187,077\n187,077\n \n13,778\n \n33,436\n \n67,803\n \n30,235\n \n15,203\n \n26,622\n \nFully-insured loans\n10,963\n10,963\n \n540\n \n350\n \n3,415\n \n2,834\n \n847\n \n2,977\n \nTotal Residential Mortgage\nTotal Residential Mortgage\n$\n$\n228,403\n228,403\n \n$\n16,726\n \n$\n39,828\n \n$\n80,030\n \n$\n37,990\n \n$\n18,318\n \n$\n35,511\n \nGross charge-offs for the year ended December 31, 2023\nGross charge-offs for the year ended December 31, 2023\n$\n$\n67\n67\n \n$\n\u2014\n \n$\n7\n \n$\n12\n \n$\n6\n \n$\n2\n \n$\n40\n \nHome Equity - Credit Quality Indicators\nHome Equity - Credit Quality Indicators\nTotal\nTotal\nHome Equity Loans\nHome Equity Loans\nand Reverse\nand Reverse\nMortgages \nMortgages \nRevolving Loans\nRevolving Loans\nRevolving Loans\nRevolving Loans\nConverted to Term\nConverted to Term\nLoans\nLoans\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nHome Equity\nHome Equity\nRefreshed LTV\n \n \n \nLess than or equal to 90 percent\n$\n$\n25,378\n25,378\n \n$\n$\n1,051\n1,051\n \n$\n$\n20,380\n20,380\n \n$\n$\n3,947\n3,947\n \nGreater than 90 percent but less than or equal to 100 percent\n61\n61\n \n17\n17\n \n35\n35\n \n9\n9\n \nGreater than 100 percent\n88\n88\n \n35\n35\n \n36\n36\n \n17\n17\n \nTotal Home Equity\nTotal Home Equity\n$\n$\n25,527\n25,527\n \n$\n$\n1,103\n1,103\n \n$\n$\n20,451\n20,451\n \n$\n$\n3,973\n3,973\n \nHome Equity\nHome Equity\nRefreshed FICO score\nLess than 620\n$\n$\n654\n654\n \n$\n$\n123\n123\n \n$\n$\n253\n253\n \n$\n$\n278\n278\n \nGreater than or equal to 620 and less than 680\n1,107\n1,107\n \n118\n118\n \n589\n589\n \n400\n400\n \nGreater than or equal to 680 and less than 740\n4,340\n4,340\n \n240\n240\n \n3,156\n3,156\n \n944\n944\n \nGreater than or equal to 740\n19,426\n19,426\n \n622\n622\n \n16,453\n16,453\n \n2,", "90ffb860-c858-4d9e-925e-e66fd56d2386": "527\n25,527\n \n$\n$\n1,103\n1,103\n \n$\n$\n20,451\n20,451\n \n$\n$\n3,973\n3,973\n \nHome Equity\nHome Equity\nRefreshed FICO score\nLess than 620\n$\n$\n654\n654\n \n$\n$\n123\n123\n \n$\n$\n253\n253\n \n$\n$\n278\n278\n \nGreater than or equal to 620 and less than 680\n1,107\n1,107\n \n118\n118\n \n589\n589\n \n400\n400\n \nGreater than or equal to 680 and less than 740\n4,340\n4,340\n \n240\n240\n \n3,156\n3,156\n \n944\n944\n \nGreater than or equal to 740\n19,426\n19,426\n \n622\n622\n \n16,453\n16,453\n \n2,351\n2,351\n \nTotal Home Equity\nTotal Home Equity\n$\n$\n25,527\n25,527\n \n$\n$\n1,103\n1,103\n \n$\n$\n20,451\n20,451\n \n$\n$\n3,973\n3,973\n \nGross charge-offs for the year ended December 31, 2023\nGross charge-offs for the year ended December 31, 2023\n$\n$\n36\n36\n \n$\n$\n4\n4\n \n$\n$\n21\n21\n \n$\n$\n11\n11\n \nIncludes reverse mortgages of $\n763\n million and home equity loans of $\n340\n million, which are no longer originated.\nCredit Card and Direct/Indirect Consumer \u2013 Credit Quality Indicators By Vintage\nCredit Card and Direct/Indirect Consumer \u2013 Credit Quality Indicators By Vintage\nDirect/Indirect\nDirect/Indirect\nTerm Loans by Origination Year\nTerm Loans by Origination Year\nCredit Card\nCredit Card\n(Dollars in millions)\nTotal Direct/\nTotal Direct/\nIndirect as of\nIndirect as of\nDecember 31,\nDecember 31,\n2023\n2023\nRevolving\nRevolving\nLoans\nLoans\n2023\n2023\n2022\n2022\n2021\n2021\n2020\n2020\n2019\n2019\nPrior\nPrior\nTotal Credit\nTotal Credit\nCard as of\nCard as of\nDecember 31,\nDecember 31,\n2023\n2023\nRevolving\nRevolving\nLoans\nLoans\nRevolving\nRevolving\nLoans\nLoans\nConverted to\nConverted to\nTerm Loans\nTerm Loans\nRefreshed FICO score\n \n \n \n \nLess than 620\n$\n$\n1,246\n1,246\n \n$\n11\n \n$\n292\n \n$\n428\n \n$\n336\n \n$\n85\n \n$\n55\n \n$\n39\n \n$\n$\n5,338\n5,338\n \n$\n5,030\n \n$\n308\n \nGreater than or equal to 620 and less than 680\n2,506\n2,506\n \n11\n \n937\n \n799\n \n501\n \n121\n \n73\n \n64\n \n11,623\n11,623\n \n11,345\n \n278\n \nGreater than or equal to 680 and less than 740\n8,629\n8,629\n \n48\n \n3,451\n \n2,582\n \n1,641\n \n462\n \n244\n \n201\n \n34,777\n34,777\n \n34,538\n \n239\n \nGreater than or equal to 740\n41,656\n41,656\n \n74\n \n16,761\n \n11,802\n \n7,643\n \n2,707\n \n1,417\n \n1,252\n \n50,462\n50,462\n \n50,410\n \n52\n \nOther internal credit\n metrics \n49,431\n49,431\n \n48,764\n \n106\n \n183\n \n110\n \n53\n \n57\n \n158\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n \nTotal credit card and other \nTotal credit card and other \n consumer\n consumer\n$\n$\n103,468\n103,468\n \n$\n48,908\n \n$\n21,547\n \n$\n15,794\n \n$\n10,231\n \n$\n3,428\n \n$\n1,846\n \n$\n1,714\n \n$\n$\n102,200\n102,200\n \n$\n101,323\n \n$\n877\n \nGross charge-offs for the year\nGross charge-offs for the year\n ended December 31, 2023\n ended December 31, 2023\n$\n$\n233\n233\n \n$\n5\n \n$\n32\n \n$\n95\n \n$\n53\n \n$\n15\n \n$\n10\n \n$\n23\n \n$\n$\n3,133\n3,133\n \n$\n3,013\n \n$\n120\n \nRepresents loans that were modified into term loans.\nOther internal credit metrics may include delinquency status, geography or other factors.", "f7bb870b-4b15-43e8-ba01-93c10b95d525": "Other internal credit metrics may include delinquency status, geography or other factors.\nDirect/indirect consumer includes $\n48.8\n billion of securities-based lending, which is typically supported by highly liquid collateral with market value greater than or equal to the outstanding loan balance and therefore has minimal credit risk at December 31, 2023.\n(1)\n(1)\n(1)\n(1)\n(1)\n(2,3)\n(1)\n(2)\n(3)\n117\n117\n \nBank of America", "ed973a4b-07ab-4445-b01b-34fa92b86126": "Commercial \u2013 Credit Quality Indicators By Vintage \nCommercial \u2013 Credit Quality Indicators By Vintage \nTerm Loans\nTerm Loans\nAmortized Cost Basis by Origination Year\nAmortized Cost Basis by Origination Year\n(Dollars in millions)\nTotal as of\nTotal as of\nDecember 31,\nDecember 31,\n2023\n2023\n2023\n2022\n2021\n2020\n2019\nPrior\nRevolving\nLoans\nU.S. Commercial\nU.S. Commercial\nRisk ratings\n \n \n \n \n \n \n \n \nPass rated\n$\n$\n347,563\n347,563\n \n$\n41,842\n \n$\n43,290\n \n$\n27,738\n \n$\n13,495\n \n$\n11,772\n \n$\n29,923\n \n$\n179,503\n \nReservable criticized\n11,368\n11,368\n \n278\n \n1,316\n \n708\n \n363\n \n537\n \n1,342\n \n6,824\n \nTotal U.S. Commercial\nTotal U.S. Commercial\n$\n$\n358,931\n358,931\n \n$\n42,120\n \n$\n44,606\n \n$\n28,446\n \n$\n13,858\n \n$\n12,309\n \n$\n31,265\n \n$\n186,327\n \nGross charge-offs for the year ended \nGross charge-offs for the year ended \n December 31, 2023\n December 31, 2023\n$\n191\n \n$\n5\n \n$\n38\n \n$\n29\n \n$\n4\n \n$\n2\n \n$\n27\n \n$\n86\n \nNon-U.S. Commercial\nNon-U.S. Commercial\nRisk ratings\nPass rated\n$\n$\n122,931\n122,931\n \n$\n17,053\n \n$\n15,810\n \n$\n15,256\n \n$\n2,405\n \n$\n2,950\n \n$\n5,485\n \n$\n63,972\n \nReservable criticized\n1,650\n1,650\n \n50\n \n184\n \n294\n \n90\n \n158\n \n74\n \n800\n \nTotal Non-U.S. Commercial\nTotal Non-U.S. Commercial\n$\n$\n124,581\n124,581\n \n$\n17,103\n \n$\n15,994\n \n$\n15,550\n \n$\n2,495\n \n$\n3,108\n \n$\n5,559\n \n$\n64,772\n \nGross charge-offs for the year ended \nGross charge-offs for the year ended \n December 31, 2023\n December 31, 2023\n$\n$\n37\n37\n \n$\n\u2014\n \n$\n\u2014\n \n$\n8\n \n$\n7\n \n$\n1\n \n$\n\u2014\n \n$\n21\n \nCommercial Real Estate\nCommercial Real Estate\nRisk ratings\nPass rated\n$\n$\n64,150\n64,150\n \n$\n4,877\n \n$\n16,147\n \n$\n11,810\n \n$\n4,026\n \n$\n7,286\n \n$\n10,127\n \n$\n9,877\n \nReservable criticized\n8,728\n8,728\n \n134\n \n749\n \n1,728\n \n782\n \n2,132\n \n2,794\n \n409\n \nTotal Commercial Real Estate\nTotal Commercial Real Estate\n$\n$\n72,878\n72,878\n \n$\n5,011\n \n$\n16,896\n \n$\n13,538\n \n$\n4,808\n \n$\n9,418\n \n$\n12,921\n \n$\n10,286\n \nGross charge-offs for the year ended \nGross charge-offs for the year ended \n December 31, 2023\n December 31, 2023\n$\n$\n254\n254\n \n$\n2\n \n$\n\u2014\n \n$\n4\n \n$\n\u2014\n \n$\n59\n \n$\n189\n \n$\n\u2014\n \nCommercial Lease Financing\nCommercial Lease Financing\nRisk ratings\nPass rated\n$\n$\n14,688\n14,688\n \n$\n4,188\n \n$\n3,077\n \n$\n2,373\n \n$\n1,349\n \n$\n1,174\n \n$\n2,527\n \n$\n\u2014\n \nReservable criticized\n166\n166\n \n9\n \n22\n \n46\n \n16\n \n32\n \n41\n \n\u2014\n \nTotal Commercial Lease Financing\nTotal Commercial Lease Financing\n$\n$\n14,854\n14,854\n \n$\n4,197\n \n$\n3,099\n \n$\n2,419\n \n$\n1,365\n \n$\n1,206\n \n$\n2,568\n \n$\n\u2014\n \nGross charge-offs for the year ended \nGross charge-offs for the year ended \n December 31, 2023\n December 31, 2023\n$\n$\n2\n2\n \n$\n\u2014\n \n$\n\u2014\n \n$\n1\n \n$\n1\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \nU.S. Small Business Commercial \nU.S.", "12502f56-415e-4bcb-af75-40dba144a354": "Small Business Commercial \nU.S. Small Business Commercial \nRisk ratings\nPass rated\n$\n$\n9,031\n9,031\n \n$\n1,886\n \n$\n1,830\n \n$\n1,550\n \n$\n836\n \n$\n721\n \n$\n1,780\n \n$\n428\n \nReservable criticized\n384\n384\n \n6\n \n64\n \n95\n \n40\n \n63\n \n113\n \n3\n \nTotal U.S. Small Business Commercial\nTotal U.S. Small Business Commercial\n$\n$\n9,415\n9,415\n \n$\n1,892\n \n$\n1,894\n \n$\n1,645\n \n$\n876\n \n$\n784\n \n$\n1,893\n \n$\n431\n \nGross charge-offs for the year ended \nGross charge-offs for the year ended \n December 31, 2023\n December 31, 2023\n$\n$\n43\n43\n \n$\n1\n \n$\n2\n \n$\n2\n \n$\n19\n \n$\n3\n \n$\n4\n \n$\n12\n \nTotal\nTotal\n$\n$\n580,659\n580,659\n \n$\n70,323\n \n$\n82,489\n \n$\n61,598\n \n$\n23,402\n \n$\n26,825\n \n$\n54,206\n \n$\n261,816\n \nGross charge-offs for the year ended \nGross charge-offs for the year ended \n December 31, 2023\n December 31, 2023\n$\n$\n527\n527\n \n$\n8\n \n$\n40\n \n$\n44\n \n$\n31\n \n$\n65\n \n$\n220\n \n$\n119\n \nExcludes $\n3.3\n billion of loans accounted for under the fair value option at December 31, 2023.\nExcludes U.S. Small Business Card loans of $\n9.8\n billion. Refreshed FICO scores for this portfolio are $\n530\n million for less than 620; $\n1.1\n billion for greater than or equal to 620 and less than 680; $\n2.7\n billion for greater than or equal to 680 and less than 740; and\n$\n5.5\n billion greater than or equal to 740. Excludes U.S. Small Business Card loans gross charge-offs of $\n317\n million.\n(1)\n(1)\n(2)\n(2)\n(1)\n(2)\nBank of America \n118\n118", "092d6323-246c-417f-8273-575dc4cc63ee": "The following tables present certain credit quality indicators for the Corporation's Consumer Real Estate, Credit Card and Other Consumer, and Commercial\nportfolio segments by year of origination, except for revolving loans and revolving loans that were modified into term loans, which are shown on an aggregate\nbasis at December 31, 2022.\nResidential Mortgage \u2013 Credit Quality Indicators By Vintage\nResidential Mortgage \u2013 Credit Quality Indicators By Vintage\nTerm Loans by Origination Year\nTerm Loans by Origination Year\n(Dollars in millions)\nTotal as of\n December 31,\n 2022\n2022\n2021\n2020\n2019\n2018\nPrior\nResidential Mortgage\nResidential Mortgage\nRefreshed LTV\nLess than or equal to 90 percent\n$\n215,713\n \n$\n39,625\n \n$\n81,437\n \n$\n37,228\n \n$\n18,980\n \n$\n5,734\n \n$\n32,709\n \nGreater than 90 percent but less than or equal to 100 percent\n1,615\n \n950\n \n530\n \n93\n \n15\n \n8\n \n19\n \nGreater than 100 percent\n648\n \n374\n \n169\n \n43\n \n15\n \n8\n \n39\n \nFully-insured loans\n11,694\n \n580\n \n3,667\n \n3,102\n \n949\n \n156\n \n3,240\n \nTotal Residential Mortgage\nTotal Residential Mortgage\n$\n229,670\n \n$\n41,529\n \n$\n85,803\n \n$\n40,466\n \n$\n19,959\n \n$\n5,906\n \n$\n36,007\n \nResidential Mortgage\nResidential Mortgage\nRefreshed FICO score\nLess than 620\n$\n2,156\n \n$\n377\n \n$\n518\n \n$\n373\n \n$\n124\n \n$\n84\n \n$\n680\n \nGreater than or equal to 620 and less than 680\n4,978\n \n1,011\n \n1,382\n \n840\n \n329\n \n233\n \n1,183\n \nGreater than or equal to 680 and less than 740\n25,444\n \n5,411\n \n8,290\n \n4,369\n \n2,187\n \n830\n \n4,357\n \nGreater than or equal to 740\n185,398\n \n34,150\n \n71,946\n \n31,782\n \n16,370\n \n4,603\n \n26,547\n \nFully-insured loans\n11,694\n \n580\n \n3,667\n \n3,102\n \n949\n \n156\n \n3,240\n \nTotal Residential Mortgage\nTotal Residential Mortgage\n$\n229,670\n \n$\n41,529\n \n$\n85,803\n \n$\n40,466\n \n$\n19,959\n \n$\n5,906\n \n$\n36,007\n \nGross charge-offs for the year ended December 31, 2022\nGross charge-offs for the year ended December 31, 2022\n$\n161\n \n$\n\u2014\n \n$\n6\n \n$\n5\n \n$\n6\n \n$\n1\n \n$\n143\n \nHome Equity - Credit Quality Indicators\nHome Equity - Credit Quality Indicators\nTotal\nHome Equity Loans\nand Reverse\nMortgages \nRevolving Loans\nRevolving Loans\nConverted to Term\nLoans\n(Dollars in millions)\nDecember 31, 2022\nHome Equity\nHome Equity\nRefreshed LTV\nLess than or equal to 90 percent\n$\n26,395\n \n$\n1,304\n \n$\n19,960\n \n$\n5,131\n \nGreater than 90 percent but less than or equal to 100 percent\n62\n \n20\n \n24\n \n18\n \nGreater than 100 percent\n106\n \n37\n \n35\n \n34\n \nTotal Home Equity\nTotal Home Equity\n$\n26,563\n \n$\n1,361\n \n$\n20,019\n \n$\n5,183\n \nHome Equity\nHome Equity\nRefreshed FICO score\nLess than 620\n$\n683\n \n$\n166\n \n$\n189\n \n$\n328\n \nGreater than or equal to 620 and less than 680\n1,190\n \n152\n \n507\n \n531\n \nGreater than or equal to 680 and less than 740\n4,321\n \n312\n \n2,747\n \n1,262\n \nGreater than or equal to 740\n20,369\n \n731\n \n16,576\n \n3,062\n \nTotal Home Equity\nTotal Home Equity\n$\n26,563\n \n$\n1,361\n \n$\n20,019\n \n$\n5,183\n \nGross charge-offs for the year ended December 31, 2022\nGross charge-offs for the year ended December 31, 2022\n$\n45\n \n$\n5\n \n$\n24\n \n$\n16\n \nIncludes reverse mortgages of $\n937\n million and home equity loans of $\n424\n million, which are no longer originated.\n(1)\n(1)\n119\n119\n \nBank of America", "7f01f87b-3a91-4d83-a747-16b9b037a487": "Credit Card and Direct/Indirect Consumer \u2013 Credit Quality Indicators By Vintage\nCredit Card and Direct/Indirect Consumer \u2013 Credit Quality Indicators By Vintage\nDirect/Indirect\nDirect/Indirect\nTerm Loans by Origination Year\nTerm Loans by Origination Year\nCredit Card\nCredit Card\n(Dollars in millions)\nTotal Direct/Indirect\nas of December 31,\n2022\nRevolving\nLoans\n2022\n2021\n2020\n2019\n2018\nPrior\nTotal Credit Card as\nof December 31,\n2022\nRevolving\nLoans\nRevolving\nLoans\nConverted to\nTerm \nLoans \nRefreshed FICO score\nLess than 620\n$\n847\n \n$\n12\n \n$\n237\n \n$\n301\n \n$\n113\n \n$\n84\n \n$\n43\n \n$\n57\n \n$\n4,056\n \n$\n3,866\n \n$\n190\n \nGreater than or equal to 620 and less than 680\n2,521\n \n12\n \n1,108\n \n816\n \n269\n \n150\n \n69\n \n97\n \n10,994\n \n10,805\n \n189\n \nGreater than or equal to 680 and less than 740\n8,895\n \n52\n \n4,091\n \n2,730\n \n992\n \n520\n \n214\n \n296\n \n32,186\n \n32,017\n \n169\n \nGreater than or equal to 740\n39,679\n \n83\n \n16,663\n \n11,392\n \n5,630\n \n2,992\n \n1,236\n \n1,683\n \n46,185\n \n46,142\n \n43\n \nOther internal credit\n metrics \n54,294\n \n53,404\n \n259\n \n305\n \n70\n \n57\n \n40\n \n159\n \n\u2014\n \n\u2014\n \n\u2014\n \nTotal credit card and other \nTotal credit card and other \n consumer\n consumer\n$\n106,236\n \n$\n53,563\n \n$\n22,358\n \n$\n15,544\n \n$\n7,074\n \n$\n3,803\n \n$\n1,602\n \n$\n2,292\n \n$\n93,421\n \n$\n92,830\n \n$\n591\n \nGross charge-offs for the year\nGross charge-offs for the year\n ended December 31, 2022\n ended December 31, 2022\n$\n232\n \n$\n7\n \n$\n31\n \n$\n79\n \n$\n34\n \n$\n27\n \n$\n14\n \n$\n40\n \n$\n1,985\n \n$\n1,909\n \n$\n76\n \nRepresents TDRs that were modified into term loans.\nOther internal credit metrics may include delinquency status, geography or other factors.\nDirect/indirect consumer includes $\n53.4\n billion of securities-based lending, which is typically supported by highly liquid collateral with market value greater than or equal to the outstanding loan balance and therefore has minimal credit risk at December 31, 2022.\nCommercial \u2013 Credit Quality Indicators By Vintage \nCommercial \u2013 Credit Quality Indicators By Vintage \nTerm Loans\nTerm Loans\nAmortized Cost Basis by Origination Year\nAmortized Cost Basis by Origination Year\n(Dollars in millions)\nTotal as of December\n31, 2022\n2022\n2021\n2020\n2019\n2018\nPrior\nRevolving\nLoans\nU.S. Commercial\nU.S. Commercial\nRisk ratings\n \n \n \n \nPass rated\n$\n348,447\n \n$\n61,200\n \n$\n39,717\n \n$\n18,609\n \n$\n16,566\n \n$\n8,749\n \n$\n30,282\n \n$\n173,324\n \nReservable criticized\n10,034\n \n278\n \n794\n \n697\n \n884\n \n1,202\n \n856\n \n5,323\n \nTotal U.S. Commercial\nTotal U.S. Commercial\n$\n358,481\n \n$\n61,478\n \n$\n40,511\n \n$\n19,306\n \n$\n17,450\n \n$\n9,951\n \n$\n31,138\n \n$\n178,647\n \nGross charge-offs for the year ended \nGross charge-offs for the year ended \n December 31, 2022\n December 31, 2022\n$\n151\n \n$\n2\n \n$\n24\n \n$\n24\n \n$\n9\n \n$\n6\n \n$\n13\n \n$\n73\n \nNon-U.S. Commercial\nNon-U.S. Commercial\nRisk ratings\nPass rated\n$\n121,890\n \n$\n24,839\n \n$\n19,098\n \n$\n5,183\n \n$\n3,882\n \n$\n2,423\n \n$\n4,697\n \n$\n61,768\n \nReservable criticized\n2,589\n \n45\n \n395\n \n331\n \n325\n \n98\n \n475\n \n920\n \nTotal Non-U.S. Commercial\nTotal Non-U.S.", "9066e50b-01c2-4086-8583-80b8019f7963": "Commercial\n$\n358,481\n \n$\n61,478\n \n$\n40,511\n \n$\n19,306\n \n$\n17,450\n \n$\n9,951\n \n$\n31,138\n \n$\n178,647\n \nGross charge-offs for the year ended \nGross charge-offs for the year ended \n December 31, 2022\n December 31, 2022\n$\n151\n \n$\n2\n \n$\n24\n \n$\n24\n \n$\n9\n \n$\n6\n \n$\n13\n \n$\n73\n \nNon-U.S. Commercial\nNon-U.S. Commercial\nRisk ratings\nPass rated\n$\n121,890\n \n$\n24,839\n \n$\n19,098\n \n$\n5,183\n \n$\n3,882\n \n$\n2,423\n \n$\n4,697\n \n$\n61,768\n \nReservable criticized\n2,589\n \n45\n \n395\n \n331\n \n325\n \n98\n \n475\n \n920\n \nTotal Non-U.S. Commercial\nTotal Non-U.S. Commercial\n$\n124,479\n \n$\n24,884\n \n$\n19,493\n \n$\n5,514\n \n$\n4,207\n \n$\n2,521\n \n$\n5,172\n \n$\n62,688\n \nGross charge-offs for the year ended \nGross charge-offs for the year ended \n December 31, 2022\n December 31, 2022\n$\n41\n \n$\n\u2014\n \n$\n3\n \n$\n1\n \n$\n\u2014\n \n$\n37\n \n$\n\u2014\n \n$\n\u2014\n \nCommercial Real Estate\nCommercial Real Estate\nRisk ratings\nPass rated\n$\n64,619\n \n$\n15,290\n \n$\n13,089\n \n$\n5,756\n \n$\n9,013\n \n$\n4,384\n \n$\n8,606\n \n$\n8,481\n \nReservable criticized\n5,147\n \n11\n \n837\n \n545\n \n1,501\n \n1,151\n \n1,017\n \n85\n \nTotal Commercial Real Estate\nTotal Commercial Real Estate\n$\n69,766\n \n$\n15,301\n \n$\n13,926\n \n$\n6,301\n \n$\n10,514\n \n$\n5,535\n \n$\n9,623\n \n$\n8,566\n \nGross charge-offs for the year ended \nGross charge-offs for the year ended \n December 31, 2022\n December 31, 2022\n$\n75\n \n$\n\u2014\n \n$\n\u2014\n \n$\n6\n \n$\n\u2014\n \n$\n26\n \n$\n43\n \n$\n\u2014\n \nCommercial Lease Financing\nCommercial Lease Financing\nRisk ratings\nPass rated\n$\n13,404\n \n$\n3,255\n \n$\n2,757\n \n$\n1,955\n \n$\n1,578\n \n$\n1,301\n \n$\n2,558\n \n$\n\u2014\n \nReservable criticized\n240\n \n9\n \n35\n \n12\n \n71\n \n50\n \n63\n \n\u2014\n \nTotal Commercial Lease Financing\nTotal Commercial Lease Financing\n$\n13,644\n \n$\n3,264\n \n$\n2,792\n \n$\n1,967\n \n$\n1,649\n \n$\n1,351\n \n$\n2,621\n \n$\n\u2014\n \nGross charge-offs for the year ended \nGross charge-offs for the year ended \n December 31, 2022\n December 31, 2022\n$\n8\n \n$\n\u2014\n \n$\n4\n \n$\n\u2014\n \n$\n4\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \nU.S. Small Business Commercial \nU.S. Small Business Commercial \nRisk ratings\nPass rated\n$\n8,726\n \n$\n1,825\n \n$\n1,953\n \n$\n1,408\n \n$\n864\n \n$\n624\n \n$\n1,925\n \n$\n127\n \nReservable criticized\n329\n \n11\n \n35\n \n48\n \n76\n \n51\n \n105\n \n3\n \nTotal U.S. Small Business Commercial\nTotal U.S.", "c9f6bb0d-5ab7-41ca-b063-15e032693ed0": "Small Business Commercial \nU.S. Small Business Commercial \nRisk ratings\nPass rated\n$\n8,726\n \n$\n1,825\n \n$\n1,953\n \n$\n1,408\n \n$\n864\n \n$\n624\n \n$\n1,925\n \n$\n127\n \nReservable criticized\n329\n \n11\n \n35\n \n48\n \n76\n \n51\n \n105\n \n3\n \nTotal U.S. Small Business Commercial\nTotal U.S. Small Business Commercial\n$\n9,055\n \n$\n1,836\n \n$\n1,988\n \n$\n1,456\n \n$\n940\n \n$\n675\n \n$\n2,030\n \n$\n130\n \nGross charge-offs for the year ended \nGross charge-offs for the year ended \n December 31, 2022\n December 31, 2022\n$\n31\n \n$\n\u2014\n \n$\n1\n \n$\n11\n \n$\n4\n \n$\n1\n \n$\n6\n \n$\n8\n \n Total\n Total\n$\n575,425\n \n$\n106,763\n \n$\n78,710\n \n$\n34,544\n \n$\n34,760\n \n$\n20,033\n \n$\n50,584\n \n$\n250,031\n \nGross charge-offs for the year ended\nGross charge-offs for the year ended\n December 31, 2022\n December 31, 2022\n$\n306\n \n$\n2\n \n$\n32\n \n$\n42\n \n$\n17\n \n$\n70\n \n$\n62\n \n$\n81\n \n \nExcludes $\n5.4\n billion of loans accounted for under the fair value option at December 31, 2022.\n \nExcludes U.S. Small Business Card loans of $\n8.5\n billion. Refreshed FICO scores for this portfolio are $\n297\n million for less than 620; $\n859\n million for greater than or equal to 620 and less than 680; $\n2.4\n billion for greater than or equal to 680 and less than 740; and\n$\n5.0\n billion greater than or equal to 740. Excludes U.S. Small Business Card loans gross charge-offs of $\n172\n million.\n(1)\n(2, 3)\n(1)\n(2)\n(3)\n(1)\n(1)\n(2)\n(2)\n(1)\n(2)\nBank of America \n120\n120", "80f09d8b-9974-4fa3-9ec5-7080473d43aa": "During 2023, commercial reservable criticized utilized exposure increased\nto $\n23.3\n billion at December 31, 2023 from $\n19.3\n billion (to \n3.74\n percent from\n3.12\n percent of total commercial reservable utilized exposure) at\nDecember 31, 2022, primarily driven by commercial real estate and U.S.\ncommercial.\nLoan Modifications to Borrowers in Financial Difficulty\nLoan Modifications to Borrowers in Financial Difficulty\nAs part of its credit risk management, the Corporation may modify a loan\nagreement with a borrower experiencing financial difficulties through a\nrefinancing or restructuring of the borrower\u2019s loan agreement (modification\nprograms).\nThe Corporation uses various indicators to identify borrowers in financial\ndifficulty. Generally, consumer loan borrowers that are delinquent and\ncommercial loan borrowers that are currently nonperforming or are more-\nlikely-than-not to become nonperforming in the next \nsix months\n at the\nmodification date are the primary criteria used to identify borrowers who are\nexperiencing financial difficulty.\nIf a borrower is experiencing financial difficulty and their loan is modified,\nand they are current at the time of modification, the loan generally remains a\nperforming loan as long as there is demonstrated performance prior to the\nmodification and payment in full under the modified terms is expected.\nOtherwise, the loan is placed on nonaccrual status and reported as\nnonperforming, excluding fully-insured consumer real estate loans, until there\nis sustained repayment performance for a reasonable period.\nModifications that do not impact the contractual payment terms, such as\ncovenant waivers, insignificant payment deferrals, and any modifications\nmade to loans carried at fair value, LHFS and leases are not included in the\ndisclosures.\nConsumer Real Estate\nThe following modification programs are offered for consumer real estate\nloans to borrowers experiencing financial difficulties. These modifications\nrepresented \n0.26\n percent and \n0.34\n percent of outstanding residential\nmortgage and home equity loans at December 31, 2023.\nForbearance and Other Payment Plans: \nForbearance plans generally consist\nof the Corporation suspending the borrower\u2019s payments for a defined period\nwith those payments then due at the conclusion of the forbearance period. The\naging status of a loan is generally frozen when it enters into a forbearance\nplan. Alternatively, the Corporation may offer the borrower a payment plan,\nwhich allows the borrower to repay past due amounts through payments over\na defined period. At December 31, 2023, the amortized cost of residential\nmortgage loans that were modified through these plans was $\n429\n million. The\namortized cost of home equity loans that were modified through these plans\nduring the same periods was $\n57\n million. The weighted-average duration of\nresidential mortgage loan modifications was approximately \n8\n months for\n2023. The weighted-average duration for home equity loan modifications was\napproximately \n9\n months. The total forborne payments for residential mortgage\nloan modifications was $\n19\n million for 2023. For the same period, the total\nforborne payments for home equity modifications was $\n6\n million. If a borrower\nis unable to fulfill their obligations under the forbearance plans, they may be\noffered a trial or permanent modification.\nTrial Modifications\n: Trial modification plans generally consist of the\nCorporation offering a borrower modified loan terms that\nreduce their contractual payments temporarily over a \nthree\n-to-\nfour-month\n trial\nperiod. If the customer successfully makes the modified payments during the\ntrial period and formally accepts the modified terms, the modified loan terms\nbecome permanent. At December 31, 2023, the amortized cost of residential\nmortgage loans entering trial modifications was $\n116\n million. The amortized\ncost of home equity loans entering trial modifications during the same period\nwas $\n34\n million.\nPermanent Modifications\n: Permanent modifications include borrowers that\nhave completed a trial modification and have had their contractual payment\nterms permanently modified, as well as borrowers that proceed directly to a\npermanent modification without a trial period. In a permanent modification, the\nborrower\u2019s payment terms are typically modified in more than one manner but\ngenerally include a term extension and an interest rate reduction. At times, the\npermanent modification may also include principal forgiveness and/or a\ndeferral of past due principal and interest amounts to the end of the loan term.\nThe combinations utilized are based on modifying the terms that give the\nborrower an improved ability to meet the contractual obligations. At\nDecember 31, 2023, the amortized cost of residential mortgage loans that\nwere granted a permanent modification was $\n154\n million.", "3a60e887-d8cd-4640-883f-8aa59cee0c19": "The amortized\ncost of home equity loans entering trial modifications during the same period\nwas $\n34\n million.\nPermanent Modifications\n: Permanent modifications include borrowers that\nhave completed a trial modification and have had their contractual payment\nterms permanently modified, as well as borrowers that proceed directly to a\npermanent modification without a trial period. In a permanent modification, the\nborrower\u2019s payment terms are typically modified in more than one manner but\ngenerally include a term extension and an interest rate reduction. At times, the\npermanent modification may also include principal forgiveness and/or a\ndeferral of past due principal and interest amounts to the end of the loan term.\nThe combinations utilized are based on modifying the terms that give the\nborrower an improved ability to meet the contractual obligations. At\nDecember 31, 2023, the amortized cost of residential mortgage loans that\nwere granted a permanent modification was $\n154\n million. The amortized cost\nof home equity loans that were granted a permanent modification was\n$\n31\n million. The term extensions granted for residential mortgage and home\nequity permanent modifications vary widely and can be up to \n30\n years, but are\nmostly in the range of \n1\n to \n20\n years for both residential mortgage and home\nequity loans. The weighted-average term extension of permanent\nmodifications for residential mortgage loans was \n9.9\n years for 2023, while the\nweighted-average interest rate reduction was \n1.41\n percent. For the same\nperiod, the weighted-average term extension of permanent modifications for\nhome equity loans was \n17.7\n years, while the weighted-average interest rate\nreduction was \n2.74\n percent. Principal forgiveness and payment deferrals were\ninsignificant during 2023.\nFor consumer real estate borrowers in financial difficulty that received a\nforbearance, trial or permanent modification, there were no commitments to\nlend additional funds at December 31, 2023. Borrowers with a home equity\nline of credit that received a forbearance plan could have all or a portion of their\nlines reinstated in the future if they cure their payment default and meet certain\nBank conditions.\nChapter 7 Discharges: \nIf a borrower\u2019s consumer real estate obligation is\ndischarged in a Chapter 7 bankruptcy proceeding, the contractual payment\nterms of the loan are not modified, although they can no longer be enforced\nagainst the individual borrower. The Corporation\u2019s ability to collect amounts\ndue on the loan is limited to enforcement against the property through the\nforeclosure and sale of the collateral. The Corporation will only pursue\nforeclosure upon default by the borrower, and otherwise will recover pursuant\nto the loan terms or at the time of a sale. Residential mortgage and home\nequity loans that were granted a Chapter 7 discharge were insignificant for\n2023.\nThe Corporation tracks the performance of modified loans to assess\neffectiveness of modification programs. Defaults of modified residential\nmortgage and home equity loans since January 1, 2023 totaled $\n287\n million\nduring 2023. \nThe following table provides aging information as of\nDecember 31, 2023 for consumer real estate loans modified since January 1,\n2023.\n121\n121\n \nBank of America", "8727642d-55c6-4a4c-948c-87cc5e469976": "Consumer Real Estate - Payment Status of Modifications to Borrowers in Financial Difficulty \nConsumer Real Estate - Payment Status of Modifications to Borrowers in Financial Difficulty \nCurrent\nCurrent\n30\u201389 Days\n30\u201389 Days\nPast Due\nPast Due\n90+ Days\n90+ Days\nPast Due\nPast Due\nTotal\nTotal\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nResidential mortgage\n$\n$\n334\n334\n \n$\n$\n101\n101\n \n$\n$\n148\n148\n \n$\n$\n583\n583\nHome equity\n58\n58\n \n5\n5\n \n25\n25\n \n88\n88\nTotal\nTotal\n$\n$\n392\n392\n \n$\n$\n106\n106\n \n$\n$\n173\n173\n \n$\n$\n671\n671\nExcludes trial modifications and Chapter 7 discharges\nConsumer real estate foreclosed properties totaled $\n83\n million and $\n121\nmillion at December 31, 2023 and 2022. The carrying value of consumer real\nestate loans, including fully-insured loans, for which formal foreclosure\nproceedings were in process at December 31, 2023 and 2022 was $\n633\nmillion and $\n871\n million. During 2023 and 2022, the Corporation reclassified\n$\n106\n million and $\n190\n million of consumer real estate loans to foreclosed\nproperties or, for properties acquired upon foreclosure of certain government-\nguaranteed loans (principally FHA-insured loans), to other assets. The\nreclassifications represent non-cash investing activities and, accordingly, are\nnot reflected in the Consolidated Statement of Cash Flows.\nCredit Card and Other Consumer\nCredit Card and Other Consumer\nCredit card and other consumer loans are primarily modified by placing the\ncustomer on a fixed payment plan with a significantly reduced fixed interest\nrate, with terms ranging from \n6\n months to \n72\n months. As of December 31,\n2023, substantially all payment plans provided to customers had a \n60-month\nterm. In certain circumstances, the Corporation will forgive a portion of the\noutstanding balance if the borrower makes payments up to a set amount. The\nCorporation makes modifications directly with borrowers for loans held by the\nCorporation (internal programs) as well as through third-party renegotiation\nagencies that provide solutions to customers\u2019 entire unsecured debt\nstructures (external programs). The December 31, 2023 amortized cost of\ncredit card and other consumer loans that were modified through these\nprograms during 2023 was $\n598\n million. The weighted-average interest rate\nreduction for the modifications was \n19.02\n percent, and principal forgiveness\nwas $\n61\n million during 2023.\nThe Corporation tracks the performance of modified loans to assess\neffectiveness of modification programs. During 2023, defaults of modified\ncredit card and other consumer loans since January 1, 2023 were\ninsignificant. Of the $\n598\n million in modified credit card and other consumer\nloans to borrowers experiencing financial difficulty as of December 31, 2023,\n$\n491\n million were current, $\n59\n million were 30-89 days past due, and\n$\n48\n million were greater than 90 days past due. These modifications\nrepresented \n0.29\n percent of outstanding credit card and other consumer loans\nat December 31, 2023.\nCommercial Loans\nModifications of loans to commercial borrowers experiencing financial difficulty\nare designed to reduce the Corporation\u2019s loss exposure while providing\nborrowers with an opportunity to work through financial difficulties, often to\navoid foreclosure or bankruptcy. Each modification is unique, reflects the\nborrower\u2019s individual circumstances and is designed to benefit the borrower\nwhile mitigating the Corporation\u2019s risk exposure. Commercial modifications\nare primarily term extensions and payment forbearances. Payment\nforbearances involve the Bank forbearing its contractual right to collect certain\npayments or payment in full (maturity forbearance) for a defined period of time.\nReductions in interest rates and principal forgiveness occur infrequently for\ncommercial borrowers. Principal forgiveness may occur in connection with\nforeclosure, short sales or other settlement agreements, leading to\ntermination or sale of the loan. \nThe table below provides the ending amortized\ncost of commercial loans modified during 2023.\nCommercial Loans - Modifications to Borrowers in Financial Difficulty\nCommercial Loans - Modifications to Borrowers in Financial Difficulty\nTerm Extension\nTerm Extension\nForbearances\nForbearances\nInterest Rate Reduction\nInterest Rate Reduction\nTotal\nTotal\n(Dollars in Millions)\nYear ended December 31, 2023\nYear ended December 31, 2023\nU.S.", "0a8f28ae-aba7-4bc8-a800-dd518e619864": "Commercial modifications\nare primarily term extensions and payment forbearances. Payment\nforbearances involve the Bank forbearing its contractual right to collect certain\npayments or payment in full (maturity forbearance) for a defined period of time.\nReductions in interest rates and principal forgiveness occur infrequently for\ncommercial borrowers. Principal forgiveness may occur in connection with\nforeclosure, short sales or other settlement agreements, leading to\ntermination or sale of the loan. \nThe table below provides the ending amortized\ncost of commercial loans modified during 2023.\nCommercial Loans - Modifications to Borrowers in Financial Difficulty\nCommercial Loans - Modifications to Borrowers in Financial Difficulty\nTerm Extension\nTerm Extension\nForbearances\nForbearances\nInterest Rate Reduction\nInterest Rate Reduction\nTotal\nTotal\n(Dollars in Millions)\nYear ended December 31, 2023\nYear ended December 31, 2023\nU.S. commercial\n$\n$\n1,016\n1,016\n$\n$\n30\n30\n$\n$\n\u2014\n\u2014\n$\n$\n1,046\n1,046\nNon-U.S. commercial\n136\n136\n\u2014\n\u2014\n24\n24\n$\n$\n160\n160\nCommercial real estate\n1,656\n1,656\n416\n416\n\u2014\n\u2014\n$\n$\n2,072\n2,072\nTotal\nTotal\n$\n$\n2,808\n2,808\n$\n$\n446\n446\n$\n$\n24\n24\n$\n$\n3,278\n3,278\nTerm extensions granted increased the weighted-average life of the\nimpacted loans by \n1.6\n years during 2023. The deferral period for loan\npayments can vary, but are mostly in the range of \n8\n months to \n24\n months. The\nweighted-average interest rate reduction was \n0.57\n percent in 2023.\nModifications of loans to troubled borrowers for Commercial Lease Financing\nand U.S. Small Business Commercial were not significant during 2023.\nThe Corporation tracks the performance of modified loans to assess\neffectiveness of modification programs. Defaults of Commercial loans\nmodified in 2023 were $\n159\n million. \nThe following table provides aging\ninformation as of December 31, 2023 for commercial loans modified in 2023.\n(1)\n(1)\n(1)\nBank of America \n122\n122", "da5f3b61-23d1-460a-8d0e-2ff4ec0b6def": "Commercial - Payment Status of Modified Loans to Borrowers in Financial Difficulty\nCommercial - Payment Status of Modified Loans to Borrowers in Financial Difficulty\nCurrent\nCurrent\n30\u201389 Days\n30\u201389 Days\nPast Due\nPast Due\n90+ Days\n90+ Days\nPast Due\nPast Due\nTotal\nTotal\n% of Total Class of\n% of Total Class of\nFinancing Receivable\nFinancing Receivable\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nU.S. Commercial\n$\n$\n1,015\n1,015\n \n$\n$\n3\n3\n \n$\n$\n28\n28\n \n$\n$\n1,046\n1,046\n0.29\n0.29\n \n%\n%\nNon-U.S. Commercial\n157\n157\n \n3\n3\n \n\u2014\n\u2014\n \n160\n160\n0.13\n0.13\n \nCommercial Real Estate\n1,608\n1,608\n \n122\n122\n \n342\n342\n \n2,072\n2,072\n2.84\n2.84\n \nTotal\nTotal\n$\n$\n2,780\n2,780\n \n$\n$\n128\n128\n \n$\n$\n370\n370\n \n$\n$\n3,278\n3,278\n0.59\n0.59\n \nFor 2023, the Corporation had commitments to lend $\n1.2\n billion to\ncommercial borrowers experiencing financial difficulty whose loans were\nmodified during the period.\nPrior-period Troubled Debt Restructuring Disclosures\nPrior-period Troubled Debt Restructuring Disclosures\nPrior to adopting the new accounting standard on loan modifications, the\nCorporation accounted for modifications of loans to borrowers experiencing\nfinancial difficulty as TDRs, when the modification resulted in a concession.\nThe following discussion reflects loans that were considered TDRs prior to\nJanuary 1, 2023. For more information on TDR accounting policies, see \nNote 1\n\u2013 Summary of Significant Accounting Principles.\nConsumer Real Estate\nConsumer Real Estate\nThe table below presents the December 31, 2022 unpaid principal balance,\ncarrying value, and average pre- and post-modification interest rates of\nconsumer real estate loans that were modified in TDRs during 2022 and\n2021. The following Consumer Real Estate portfolio segment tables include\nloans that were initially classified as TDRs during the period and also loans\nthat had previously been classified as TDRs and were modified again during\nthe period. Binding trial modifications are classified as TDRs when the trial\noffer is made and continue to be classified as TDRs regardless of whether the\nborrower enters into a permanent modification.\nAt December 31, 2022, remaining commitments to lend additional funds to\ndebtors whose terms have been modified in a consumer real estate TDR\nwere not significant.\nConsumer Real Estate \u2013 TDRs Entered into During 2022 and 2021\nConsumer Real Estate \u2013 TDRs Entered into During 2022 and 2021\nUnpaid Principal\nUnpaid Principal\nBalance\nBalance\nCarrying \nCarrying \nValue\nValue\nPre-Modification\nPre-Modification\nInterest Rate\nInterest Rate\nPost-Modification\nPost-Modification\nInterest Rate \nInterest Rate \n(Dollars in millions)\nDecember 31, 2022\nResidential mortgage\n$\n1,144\n \n$\n1,015\n \n3.52\n \n%\n3.40\n \n%\nHome equity\n238\n \n191\n \n4.61\n \n4.65\n \nTotal\nTotal\n$\n1,382\n \n$\n1,206\n \n3.71\n \n3.62\n \nDecember 31, 2021\nResidential mortgage\n$\n891\n \n$\n788\n \n3.48\n \n%\n3.38\n \n%\nHome equity\n107\n \n77\n \n3.60\n \n3.59\n \nTotal\nTotal\n$\n998\n \n$\n865\n \n3.49\n \n3.41\n \nThe post-modification interest rate reflects the interest rate applicable only to permanently completed modifications, which exclude loans that are in a trial modification period.\nThe table below presents the December 31, 2022 and 2021 carrying value for consumer real estate loans that were modified in a TDR during 2022 and 2021,\nby type of modification.", "ec45d5db-6843-4026-bb59-032399e423b5": "The table below presents the December 31, 2022 and 2021 carrying value for consumer real estate loans that were modified in a TDR during 2022 and 2021,\nby type of modification.\nConsumer Real Estate \u2013 Modification Programs\nConsumer Real Estate \u2013 Modification Programs\nTDRs Entered into During\nTDRs Entered into During\n(Dollars in millions)\n2022\n2021\nModifications under government programs\n$\n2\n \n$\n4\n \nModifications under proprietary programs\n1,100\n \n774\n \nLoans discharged in Chapter 7 bankruptcy \n14\n \n33\n \nTrial modifications\n90\n \n54\n \nTotal modifications\nTotal modifications\n$\n1,206\n \n$\n865\n \nIncludes loans discharged in Chapter 7 bankruptcy with no change in repayment terms that are classified as TDRs.\nThe table below presents the carrying value of consumer real estate loans that entered into payment default during 2022 and 2021 that were modified in a\nTDR during the 12 months preceding payment default. A payment default for consumer real estate TDRs is recognized when a borrower has missed \nthree\nmonthly payments (not necessarily consecutively) since modification.\nConsumer Real Estate \u2013 TDRs Entering Payment Default that were Modified During the Preceding 12 Months\nConsumer Real Estate \u2013 TDRs Entering Payment Default that were Modified During the Preceding 12 Months\n(Dollars in millions)\n2022\n2021\nModifications under government programs\n$\n\u2014\n \n$\n4\n \nModifications under proprietary programs\n189\n \n128\n \nLoans discharged in Chapter 7 bankruptcy \n2\n \n9\n \nTrial modifications \n25\n \n19\n \nTotal modifications\nTotal modifications\n$\n216\n \n$\n160\n \nIncludes loans discharged in Chapter 7 bankruptcy with no change in repayment terms that are classified as TDRs.\nIncludes trial modification offers to which the customer did not respond.\n(1)\n(1)\n(1) \n(1)\n(1) \n(1)\n(2)\n(1)\n(2)\n123\n123\n \nBank of America", "eee121f0-7d1a-4d10-a4b1-f4e1be2248c4": "Credit Card and Other Consumer\nCredit Card and Other Consumer\nThe table below provides information on the Corporation\u2019s Credit Card and Other Consumer TDR portfolio including December 31, 2022 and 2021 unpaid\nprincipal balance, carrying value, and average pre- and post-modification interest rates of loans that were modified in TDRs during 2022 and 2021.\nCredit Card and Other Consumer \u2013 TDRs Entered into During 2022 and 2021\nCredit Card and Other Consumer \u2013 TDRs Entered into During 2022 and 2021\n \n \nUnpaid Principal\nUnpaid Principal\nBalance\nBalance\nCarrying \nCarrying \nValue \nValue \nPre-Modification\nPre-Modification\nInterest Rate\nInterest Rate\nPost-Modification\nPost-Modification\nInterest Rate\nInterest Rate\n(Dollars in millions)\nDecember 31, 2022\nCredit card\n$\n284\n \n$\n293\n \n22.34\n \n%\n3.89\n \n%\nDirect/Indirect consumer\n6\n \n5\n \n5.51\n \n5.50\n \nTotal\nTotal\n$\n290\n \n$\n298\n \n22.06\n \n3.92\n \nDecember 31, 2021\nCredit card\n$\n237\n \n$\n248\n \n18.45\n \n%\n4.09\n \n%\nDirect/Indirect consumer\n23\n \n16\n \n5.88\n \n5.88\n \nTotal\nTotal\n$\n260\n \n$\n264\n \n17.68\n \n4.20\n \nIncludes accrued interest and fees.\nThe table below presents the December 31, 2022 and 2021 carrying value for Credit Card and Other Consumer loans that were modified in a TDR during\n2022 and 2021 by program type.\nCredit Card and Other Consumer \u2013 TDRs by Program Type \nCredit Card and Other Consumer \u2013 TDRs by Program Type \n(Dollars in millions)\n2022\n2021\nInternal programs\n$\n251\n \n$\n214\n \nExternal programs\n44\n \n44\n \nOther\n3\n \n6\n \nTotal\nTotal\n$\n298\n \n$\n264\n \nIncludes accrued interest and fees.\nCredit card and other consumer loans are deemed to be in payment\ndefault during the quarter in which a borrower misses the second of \ntwo\nconsecutive payments. Payment defaults are one of the factors considered\nwhen projecting future cash flows in the calculation of the allowance for loan\nand lease losses for credit card and other consumer.\nCommercial Loans\nCommercial Loans\nDuring \n2022\n, the carrying value of the Corporation\u2019s commercial loans that\nwere modified as TDRs was $\n1.9\n billion compared to $\n1.3\n billion in \n2021\n. At\nDecember 31, 2022 and\n \n2021\n, the Corporation had commitments to lend\n$\n358\n million and $\n283\n million to commercial borrowers whose loans were\nclassified as TDRs. The balance of commercial TDRs in payment default was\n$\n105\n million and $\n262\n million at \nDecember 31, 2022 and 2021\n.\nLoans Held-for-sale\nLoans Held-for-sale\nThe Corporation had LHFS of $\n6.0\n billion and $\n6.9\n billion at December 31,\n2023 and 2022. Cash and non-cash proceeds from sales and paydowns of\nloans originally classified as LHFS were $\n16.3\n billion, $\n32.0\n billion and $\n43.6\nbillion for 2023, 2022 and 2021, respectively. Cash used for originations and\npurchases of LHFS totaled $\n15.6\n billion, $\n24.9\n billion and $\n37.3\n billion for\n2023\n, \n2022\n and \n2021\n, respectively.\n \nAlso included were non-cash net transfers\ninto LHFS of $\n632\n million during \n2023,\n $\n1.9\n billion during \n2022\n, primarily\ndriven by the transfer of a $\n1.6\n billion affinity card loan portfolio to held for sale\nthat was sold in October 2022, and $\n808\n million during \n2021\n.\nAccrued Interest Receivable\nAccrued Interest Receivable\nAccrued interest receivable for loans and leases and loans held-for-sale at\nDecember 31, 2023 and 2022 was $\n4.5\n billion and $\n3.8\n billion and is reported\nin \ncustomer and other receivables\n on the Consolidated Balance Sheet.\nOutstanding credit card loan balances include unpaid principal, interest\nand fees.", "fabdcc06-8935-45a1-953f-3aa2dacb9822": "Also included were non-cash net transfers\ninto LHFS of $\n632\n million during \n2023,\n $\n1.9\n billion during \n2022\n, primarily\ndriven by the transfer of a $\n1.6\n billion affinity card loan portfolio to held for sale\nthat was sold in October 2022, and $\n808\n million during \n2021\n.\nAccrued Interest Receivable\nAccrued Interest Receivable\nAccrued interest receivable for loans and leases and loans held-for-sale at\nDecember 31, 2023 and 2022 was $\n4.5\n billion and $\n3.8\n billion and is reported\nin \ncustomer and other receivables\n on the Consolidated Balance Sheet.\nOutstanding credit card loan balances include unpaid principal, interest\nand fees. Credit card loans are not classified as nonperforming but are\ncharged off no later than the end of the month in which the account becomes\n180 days past due, within 60 days after receipt of notification of death or\nbankruptcy, or upon confirmation of fraud\n.\n During 2023 and 2022, the\nCorporation reversed $\n584\n million and $\n332\n million of interest and fee income\nagainst the income statement line item in which it was originally recorded\nupon charge-off of the principal balance of the loan.\nFor the outstanding residential mortgage, home equity, direct/indirect\nconsumer and commercial loan balances classified as nonperforming during\n2023 and 2022, interest and fee income reversed at the time the loans were\nclassified as nonperforming was not significant. For more information on the\nCorporation's nonperforming loan policies, see \nNote 1 \u2013 Summary of\nSignificant Accounting Principles\n.\nAllowance for Credit Losses\nAllowance for Credit Losses\nThe allowance for credit losses is estimated using quantitative and qualitative\nmethods that consider a variety of factors, such as historical loss experience,\nthe current credit quality of the portfolio and an economic outlook over the life of\nthe loan. Qualitative reserves cover losses that are expected but, in the\nCorporation's assessment, may not be adequately reflected in the quantitative\nmethods or the economic assumptions. The Corporation incorporates\nforward-looking information through the use of several macroeconomic\nscenarios in determining the\n(1)\n(1)\n(1) \n(1)\n(1)\n(1) \nBank of America \n124\n124", "4d2f5eb9-08c3-4599-8d27-181549a0c225": "weighted economic outlook over the forecasted life of the assets. These\nscenarios include key macroeconomic variables such as gross domestic\nproduct, unemployment rate, real estate prices and corporate bond spreads.\nThe scenarios that are chosen each quarter and the weighting given to each\nscenario depend on a variety of factors including recent economic events,\nleading economic indicators, internal and third-party economist views, and\nindustry trends. For more information on the Corporation's credit loss\naccounting policies including the allowance for credit losses, see \nNote 1 \u2013\nSummary of Significant Accounting Principles\n.\nThe December 31, 2023 estimate for allowance for credit losses was\nbased on various economic scenarios, including a baseline scenario derived\nfrom consensus estimates, an adverse scenario reflecting an extended\nmoderate recession, a downside scenario reflecting persistent inflation and\ninterest rates above the baseline scenario, a tail risk scenario similar to the\nseverely adverse scenario used in stress testing and an upside scenario that\nconsiders the potential for improvement above the baseline scenario. The\noverall weighted economic outlook of the above scenarios has improved\ncompared to the weighted economic outlook estimated as of December 31,\n2022. The weighted economic outlook assumes that the U.S. average\nunemployment rate will be just below \nfive\n percent by the fourth quarter of 2024\nand will remain near this level through the fourth quarter of 2025. The weighted\neconomic outlook assumes a mild recession in the first half of 2024 with U.S.\nreal gross domestic product forecasted to grow at \n0.3\n percent and at \n1.4\npercent year-over-year in the fourth quarters of 2024 and 2025.\nThe allowance for credit losses increased $\n329\n million from December 31,\n2022 to $\n14.6\n billion at December 31, 2023, which included a $\n1.3\n billion\nreserve increase related to the consumer portfolio and a $\n942\n million reserve\ndecrease related\nto the commercial portfolio. The increase in the allowance reflected a reserve\nbuild in the Corporation\u2019s consumer portfolio primarily due to credit card loan\ngrowth and asset quality, partially offset by a reserve release in the\nCorporation\u2019s commercial portfolio primarily driven by improved\nmacroeconomic conditions applicable to the commercial portfolio. The\nallowance also includes the impact of the accounting change to remove the\nrecognition and measurement guidance on TDRs, which reduced the\nallowance for credit losses by $\n243\n million on January 1, 2023. The change in\nthe allowance for credit losses was comprised of a net increase of $\n660\nmillion in the allowance for loan and lease losses and a decrease of $\n331\nmillion in the reserve for unfunded lending commitments. The provision for\ncredit losses increased $\n1.9\n billion to an expense of $\n4.4\n billion in 2023\ncompared to an expense of $\n2.5\n billion in 2022 and to a benefit of $\n4.6\n billion\nin 2021. The increase in provision for credit losses in 2023 was driven by the\nCorporation\u2019s consumer portfolio primarily due to credit card loan growth and\nasset quality, partially offset by improved macroeconomic conditions that\nprimarily benefited the Corporation\u2019s commercial portfolio. The increase in the\nprovision for credit losses in 2022 was primarily driven by loan growth and a\ndampened macroeconomic outlook, partially offset by reduced COVID-19\npandemic uncertainties.\nOutstanding loans and leases excluding loans accounted for under the fair\nvalue option increased $\n10.2\n billion in 2023 driven by consumer loans, which\nincreased $\n3.7\n billion driven by credit card, partially offset by declines in\nsecurities-based lending. Commercial loans increased $\n6.5\n billion driven by\nbroad-based growth.\nThe changes in the allowance for credit losses, including net charge-offs\nand provision for loan and lease losses, are detailed in the following table.\n125\n125\n \nBank of America", "67fdd908-36dd-4be7-84f4-c7a7f96b5a43": "Consumer \nConsumer \nReal Estate\nReal Estate\nCredit Card and\nCredit Card and\n Other Consumer\n Other Consumer\nCommercial\nCommercial\nTotal\nTotal\n(Dollars in millions)\n2023\n2023\nAllowance for loan and lease losses, December 31\nAllowance for loan and lease losses, December 31\n$\n$\n420\n420\n \n$\n$\n6,817\n6,817\n \n$\n$\n5,445\n5,445\n \n$\n$\n12,682\n12,682\n \nJanuary 1, 2023 adoption of credit loss standard\n(\n(\n67\n67\n)\n)\n(\n(\n109\n109\n)\n)\n(\n(\n67\n67\n)\n)\n(\n(\n243\n243\n)\n)\nAllowance for loan and lease losses, January 1\nAllowance for loan and lease losses, January 1\n$\n$\n353\n353\n \n$\n$\n6,708\n6,708\n \n$\n$\n5,378\n5,378\n \n$\n$\n12,439\n12,439\n \nLoans and leases charged off\n(\n(\n103\n103\n)\n)\n(\n(\n3,870\n3,870\n)\n)\n(\n(\n844\n844\n)\n)\n(\n(\n4,817\n4,817\n)\n)\nRecoveries of loans and leases previously charged off\n146\n146\n \n737\n737\n \n135\n135\n \n1,018\n1,018\n \nNet charge-offs\n43\n43\n \n(\n(\n3,133\n3,133\n)\n)\n(\n(\n709\n709\n)\n)\n(\n(\n3,799\n3,799\n)\n)\nProvision for loan and lease losses\n(\n(\n19\n19\n)\n)\n4,558\n4,558\n \n186\n186\n \n4,725\n4,725\n \nOther\n9\n9\n \n1\n1\n \n(\n(\n33\n33\n)\n)\n(\n(\n23\n23\n)\n)\nAllowance for loan and lease losses, December 31\nAllowance for loan and lease losses, December 31\n386\n386\n \n8,134\n8,134\n \n4,822\n4,822\n \n13,342\n13,342\n \nReserve for unfunded lending commitments, January 1\nReserve for unfunded lending commitments, January 1\n94\n94\n \n\u2014\n\u2014\n \n1,446\n1,446\n \n1,540\n1,540\n \nProvision for unfunded lending commitments\n(\n(\n12\n12\n)\n)\n\u2014\n\u2014\n \n(\n(\n319\n319\n)\n)\n(\n(\n331\n331\n)\n)\nReserve for unfunded lending commitments, December 31\nReserve for unfunded lending commitments, December 31\n82\n82\n \n\u2014\n\u2014\n \n1,127\n1,127\n \n1,209\n1,209\n \nAllowance for credit losses, December 31\nAllowance for credit losses, December 31\n$\n$\n468\n468\n \n$\n$\n8,134\n8,134\n \n$\n$\n5,949\n5,949\n \n$\n$\n14,551\n14,551\n \n2022\nAllowance for loan and lease losses, January 1\nAllowance for loan and lease losses, January 1\n$\n557\n \n$\n6,476\n \n$\n5,354\n \n$\n12,387\n \nLoans and leases charged off\n(\n206\n)\n(\n2,755\n)\n(\n478\n)\n(\n3,439\n)\nRecoveries of loans and leases previously charged off\n224\n \n882\n \n161\n \n1,267\n \nNet charge-offs\n18\n \n(\n1,873\n)\n(\n317\n)\n(\n2,172\n)\nProvision for loan and lease losses\n(\n164\n)\n2,215\n \n409\n \n2,460\n \nOther\n9\n \n(\n1\n)\n(\n1\n)\n7\n \nAllowance for loan and lease losses, December 31\nAllowance for loan and lease losses, December 31\n420\n \n6,817\n \n5,445\n \n12,682\n \nReserve for unfunded lending commitments, January 1\nReserve for unfunded lending commitments, January 1\n96\n \n\u2014\n \n1,360\n \n1,456\n \nProvision for unfunded lending commitments\n(\n3\n)\n\u2014\n \n86\n \n83\n \nOther\n1\n \n\u2014\n \n\u2014\n \n1\n \nReserve for unfunded lending commitments, December 31\nReserve for unfunded lending commitments, December 31\n94\n \n\u2014\n \n1,446\n \n1,540\n \nAllowance for credit losses, December 31\nAllowance for credit losses, December 31\n$\n514\n \n$\n6,817\n \n$\n6,891\n \n$\n14,222\n \n2021\nAllowance for loan and lease losses, January 1\nAllowance for loan and lease losses,", "a4d3b8d8-c428-4d54-a29b-2d12799c0f26": "December 31\nAllowance for loan and lease losses, December 31\n420\n \n6,817\n \n5,445\n \n12,682\n \nReserve for unfunded lending commitments, January 1\nReserve for unfunded lending commitments, January 1\n96\n \n\u2014\n \n1,360\n \n1,456\n \nProvision for unfunded lending commitments\n(\n3\n)\n\u2014\n \n86\n \n83\n \nOther\n1\n \n\u2014\n \n\u2014\n \n1\n \nReserve for unfunded lending commitments, December 31\nReserve for unfunded lending commitments, December 31\n94\n \n\u2014\n \n1,446\n \n1,540\n \nAllowance for credit losses, December 31\nAllowance for credit losses, December 31\n$\n514\n \n$\n6,817\n \n$\n6,891\n \n$\n14,222\n \n2021\nAllowance for loan and lease losses, January 1\nAllowance for loan and lease losses, January 1\n$\n858\n \n$\n9,213\n \n$\n8,731\n \n$\n18,802\n \nLoans and leases charged off\n(\n78\n)\n(\n3,000\n)\n(\n719\n)\n(\n3,797\n)\nRecoveries of loans and leases previously charged off\n225\n \n1,006\n \n323\n \n1,554\n \nNet charge-offs\n147\n \n(\n1,994\n)\n(\n396\n)\n(\n2,243\n)\nProvision for loan and lease losses\n(\n449\n)\n(\n744\n)\n(\n2,980\n)\n(\n4,173\n)\nOther\n1\n \n1\n \n(\n1\n)\n1\n \nAllowance for loan and lease losses, December 31\nAllowance for loan and lease losses, December 31\n557\n \n6,476\n \n5,354\n \n12,387\n \nReserve for unfunded lending commitments, January 1\nReserve for unfunded lending commitments, January 1\n137\n \n\u2014\n \n1,741\n \n1,878\n \nProvision for unfunded lending commitments\n(\n41\n)\n\u2014\n \n(\n380\n)\n(\n421\n)\nOther\n\u2014\n \n\u2014\n \n(\n1\n)\n(\n1\n)\nReserve for unfunded lending commitments, December 31\nReserve for unfunded lending commitments, December 31\n96\n \n\u2014\n \n1,360\n \n1,456\n \nAllowance for credit losses, December 31\nAllowance for credit losses, December 31\n$\n653\n \n$\n6,476\n \n$\n6,714\n \n$\n13,843\n \nNOTE 6\nNOTE 6\n \n \nSecuritizations and Other Variable Interest\nSecuritizations and Other Variable Interest\nEntities\nEntities\nThe Corporation utilizes VIEs in the ordinary course of business to support its\nown and its customers\u2019 financing and investing needs. The Corporation\nroutinely securitizes loans and debt securities using VIEs as a source of\nfunding for the Corporation and as a means of transferring the economic risk\nof the loans or debt securities to third parties. The assets are transferred into a\ntrust or other securitization vehicle such that the assets are legally isolated\nfrom the creditors of the Corporation and are not available to satisfy its\nobligations. These assets can only be used to settle obligations of the trust or\nother securitization vehicle. The Corporation also administers, structures or\ninvests in other VIEs including CDOs, investment vehicles and other entities.\nFor more information on the Corporation\u2019s use of VIEs, see \nNote 1 \u2013 Summary\nof Significant Accounting Principles.\nThe tables in this Note present the assets and liabilities of consolidated\nand unconsolidated VIEs at December 31, 2023 and 2022 in situations where\nthe Corporation has a loan or security interest and involvement with\ntransferred assets or if the Corporation otherwise has an additional interest in\nthe VIE. The tables also present the Corporation\u2019s maximum loss exposure at\nDecember 31, 2023 and 2022 resulting from its\ninvolvement with consolidated VIEs and unconsolidated VIEs. The\nCorporation\u2019s maximum loss exposure is based on the unlikely event that all\nof the assets in the VIEs become worthless and incorporates not only potential\nlosses associated with assets recorded on the Consolidated Balance Sheet\nbut also potential losses associated with off-balance sheet commitments,\nsuch as unfunded liquidity commitments and other contractual arrangements.\nThe Corporation\u2019s maximum loss exposure does not include losses\npreviously recognized through write-downs of assets.", "eea87cef-d67f-4816-846d-402960e2b6bf": "The tables also present the Corporation\u2019s maximum loss exposure at\nDecember 31, 2023 and 2022 resulting from its\ninvolvement with consolidated VIEs and unconsolidated VIEs. The\nCorporation\u2019s maximum loss exposure is based on the unlikely event that all\nof the assets in the VIEs become worthless and incorporates not only potential\nlosses associated with assets recorded on the Consolidated Balance Sheet\nbut also potential losses associated with off-balance sheet commitments,\nsuch as unfunded liquidity commitments and other contractual arrangements.\nThe Corporation\u2019s maximum loss exposure does not include losses\npreviously recognized through write-downs of assets.\nThe Corporation invests in ABS, CLOs and other similar investments\nissued by third-party VIEs with which it has no other form of involvement other\nthan a loan or debt security issued by the VIE. In addition, the Corporation also\nenters into certain commercial lending arrangements that may utilize VIEs for\nactivities secondary to the lending arrangement, for example to hold collateral.\nThe Corporation\u2019s maximum loss exposure to these VIEs is the investment\nbalances. These securities and loans are included in \nNote 4 \u2013 Securities\n or\nNote 5 \u2013 Outstanding Loans and Leases and Allowance for Credit Losses \nand\nare not included in the following tables.\nThe Corporation did not provide financial support to consolidated or\nunconsolidated VIEs during 2023, 2022 and\nBank of America \n126\n126", "1ad34910-2988-4787-87dd-7da3ca1fe10d": "2021 that it was not previously contractually required to provide, nor does it\nintend to do so.\nThe Corporation had liquidity commitments, including written put options\nand collateral value guarantees, with certain unconsolidated VIEs of $\n989\nmillion and $\n978\n million at December 31, 2023 and 2022.\nFirst-lien Mortgage Securitizations\nFirst-lien Mortgage Securitizations\nAs part of its mortgage banking activities, the Corporation securitizes a portion\nof the first-lien residential mortgage loans it originates or purchases from third\nparties, generally in the form of residential mortgage-backed securities\n(RMBS) guaranteed by government-sponsored enterprises, FNMA and FHLMC\n(collectively the GSEs), or the Government National Mortgage Association\n(GNMA) primarily in the case of FHA-insured and U.S. Department of Veterans\nAffairs (VA)-\nguaranteed mortgage loans. Securitization usually occurs in conjunction with\nor shortly after origination or purchase, and the Corporation may also\nsecuritize loans held in its residential mortgage portfolio. In addition, the\nCorporation may, from time to time, securitize commercial mortgages it\noriginates or purchases from other entities. The Corporation typically services\nthe loans it securitizes. Further, the Corporation may retain beneficial interests\nin the securitization trusts including senior and subordinate securities and\nequity tranches issued by the trusts. Except as described in \nNote 12 \u2013\nCommitments and Contingencies\n, the Corporation does not provide\nguarantees or recourse to the securitization trusts other than standard\nrepresentations and warranties.\nThe table below summarizes select information related to first-lien\nmortgage securitizations for 2023, 2022 and 2021.\nFirst-lien Mortgage Securitizations\nFirst-lien Mortgage Securitizations\n \nResidential Mortgage - Agency\nResidential Mortgage - Agency\nCommercial Mortgage\nCommercial Mortgage\n(Dollars in millions)\n2023\n2023\n2022\n2021\n2023\n2023\n2022\n2021\nProceeds from loan sales \n$\n$\n4,513\n4,513\n \n$\n8,084\n \n$\n6,664\n \n$\n$\n2,132\n2,132\n \n$\n5,853\n \n$\n10,874\n \nGains (losses) on securitizations \n(\n(\n15\n15\n)\n)\n8\n \n9\n \n44\n44\n \n46\n \n156\n \nRepurchases from securitization trusts \n33\n33\n \n53\n \n756\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n \nThe Corporation transfers residential mortgage loans to securitizations sponsored primarily by the GSEs or GNMA in the normal course of business and primarily receives residential mortgage-backed securities in exchange. Substantially all of these securities\nare classified as Level 2 within the fair value hierarchy and are typically sold shortly after receipt.\nA majority of the first-lien residential mortgage loans securitized are initially classified as LHFS and accounted for under the fair value option. Gains recognized on these LHFS prior to securitization, which totaled $\n49\n million, $\n41\n million and $\n121\n million net of\nhedges, during 2023, 2022 and 2021, respectively, are not included in the table above.\nThe Corporation may have the option to repurchase delinquent loans out of securitization trusts, which reduces the amount of servicing advances it is required to make. The Corporation may also repurchase loans from securitization trusts to perform\nmodifications. Repurchased loans include FHA-insured mortgages collateralizing GNMA securities.\nThe Corporation recognizes consumer MSRs from the sale or\nsecuritization of consumer real estate loans. The unpaid principal balance of\nloans serviced for investors, including residential mortgage and home equity\nloans, totaled $\n92.7\n billion and $\n100.1\n billion at December 31, 2023 and 2022.\nServicing fee and ancillary fee income on serviced loans was $\n248\n million,\n$\n274\n million and $\n392\n million during 2023, 2022 and 2021, respectively.\nServicing advances on serviced loans, including loans serviced for others and\nloans held for investment, were $\n1.3\n billion and $\n1.6\n billion at December 31,\n2023 and 2022. For more information on MSRs, see \nNote 20 \u2013 Fair Value\nMeasurements\n.", "2b0fa321-c86e-48ad-9350-234791dc5cbb": "Repurchased loans include FHA-insured mortgages collateralizing GNMA securities.\nThe Corporation recognizes consumer MSRs from the sale or\nsecuritization of consumer real estate loans. The unpaid principal balance of\nloans serviced for investors, including residential mortgage and home equity\nloans, totaled $\n92.7\n billion and $\n100.1\n billion at December 31, 2023 and 2022.\nServicing fee and ancillary fee income on serviced loans was $\n248\n million,\n$\n274\n million and $\n392\n million during 2023, 2022 and 2021, respectively.\nServicing advances on serviced loans, including loans serviced for others and\nloans held for investment, were $\n1.3\n billion and $\n1.6\n billion at December 31,\n2023 and 2022. For more information on MSRs, see \nNote 20 \u2013 Fair Value\nMeasurements\n.\nHome Equity Loans\nHome Equity Loans\nThe Corporation retains interests, primarily senior securities, in home equity\nsecuritization trusts to which it transferred home equity loans. In addition, the\nCorporation may be obligated to\nprovide subordinate funding to the trusts during a rapid amortization event.\nThis obligation is included in the maximum loss exposure in the preceding\ntable. The charges that will ultimately be recorded as a result of the rapid\namortization events depend on the undrawn portion of the home equity lines of\ncredit, performance of the loans, the amount of subsequent draws and the\ntiming of related cash flows.\nMortgage and Home Equity Securitizations\nMortgage and Home Equity Securitizations\nDuring 2023 and 2022, the Corporation deconsolidated agency residential\nmortgage securitization trusts with total assets of $\n685\n million and $\n784\nmillion, with no significant deconsolidations in 2021.\nThe following table summarizes select information related to mortgage and\nhome equity securitization trusts in which the Corporation held a variable\ninterest and had continuing involvement at December 31, 2023 and 2022.\n(1)\n(2)\n(3)\n(1)\n(2)\n(3)\n127\n127\n \nBank of America", "29d032f0-9191-47e0-b2b5-87d61f0b5a7f": "Mortgage and Home Equity Securitizations\nMortgage and Home Equity Securitizations\nResidential Mortgage\nResidential Mortgage\n \n \n \n \n \nNon-agency\nNon-agency\n \n \n \nAgency\nAgency\nPrime and Alt-A\nPrime and Alt-A\nSubprime\nSubprime\nHome Equity \nHome Equity \nCommercial Mortgage\nCommercial Mortgage\n \nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\nUnconsolidated VIEs\nUnconsolidated VIEs\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \nMaximum loss exposure \nMaximum loss exposure \n$\n$\n8,190\n8,190\n \n$\n9,112\n \n$\n$\n92\n92\n \n$\n119\n \n$\n$\n657\n657\n \n$\n735\n \n$\n$\n\u2014\n\u2014\n \n$\n119\n \n$\n$\n1,558\n1,558\n \n$\n1,594\n \nOn-balance sheet assets\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \nSenior securities:\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \nTrading account assets\n$\n$\n235\n235\n \n$\n232\n \n$\n$\n13\n13\n \n$\n29\n \n$\n$\n20\n20\n \n$\n25\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n70\n70\n \n$\n91\n \nDebt securities carried at fair value\n2,541\n2,541\n \n3,027\n \n\u2014\n\u2014\n \n\u2014\n \n341\n341\n \n410\n \n\u2014\n\u2014\n \n1\n \n\u2014\n\u2014\n \n\u2014\n \nHeld-to-maturity securities\n5,414\n5,414\n \n5,853\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n1,287\n1,287\n \n1,268\n \nAll other assets\n\u2014\n\u2014\n \n\u2014\n \n4\n4\n \n5\n \n23\n23\n \n25\n \n\u2014\n\u2014\n \n\u2014\n \n79\n79\n \n101\n \nTotal retained positions\nTotal retained positions\n$\n$\n8,190\n8,190\n \n$\n9,112\n \n$\n$\n17\n17\n \n$\n34\n \n$\n$\n384\n384\n \n$\n460\n \n$\n$\n\u2014\n\u2014\n \n$\n1\n \n$\n$\n1,436\n1,436\n \n$\n1,460\n \nPrincipal balance outstanding \nPrincipal balance outstanding \n$\n$\n76,134\n76,134\n \n$\n81,644\n \n$\n$\n13,963\n13,963\n \n$\n15,541\n \n$\n$\n4,508\n4,508\n \n$\n5,034\n \n$\n$\n252\n252\n \n$\n326\n \n$\n$\n80,078\n80,078\n \n$\n85,101\n \nConsolidated VIEs\nConsolidated VIEs\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \nMaximum loss exposure \nMaximum loss exposure \n$\n$\n1,164\n1,164\n \n$\n1,735\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n78\n \n$\n$\n12\n12\n \n$\n32\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \nOn-balance sheet assets\n \n \n \n \n \n \n \n \n \n \n \n \n \n \n \nTrading account assets\n$\n$\n1,171\n1,171\n \n$\n1,735\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n78\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \nLoans and leases\n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n31\n31\n \n97\n \n\u2014\n\u2014\n \n\u2014\n \nAllowance for loan and lease losses\n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n7\n7\n \n12\n \n\u2014\n\u2014\n \n\u2014\n \nAll other assets\n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n1\n1\n \n2\n \n\u2014\n\u2014\n \n\u2014\n \nTotal assets\nTotal assets\n$\n$\n1,171\n1,171\n \n$\n1,", "63dbf7c7-0f76-43ee-aad7-e610d50f0730": "171\n \n$\n1,735\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n78\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \nLoans and leases\n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n31\n31\n \n97\n \n\u2014\n\u2014\n \n\u2014\n \nAllowance for loan and lease losses\n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n7\n7\n \n12\n \n\u2014\n\u2014\n \n\u2014\n \nAll other assets\n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n1\n1\n \n2\n \n\u2014\n\u2014\n \n\u2014\n \nTotal assets\nTotal assets\n$\n$\n1,171\n1,171\n \n$\n1,735\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n78\n \n$\n39\n \n$\n111\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \nTotal liabilities\nTotal liabilities\n$\n$\n7\n7\n \n$\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n27\n27\n \n$\n79\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \nMaximum loss exposure includes obligations under loss-sharing reinsurance and other arrangements for non-agency residential mortgage and commercial mortgage securitizations, but excludes the reserve for representations and warranties obligations and\ncorporate guarantees and also excludes servicing advances and other servicing rights and obligations. For more information, see \nNote 12 \u2013 Commitments and Contingencies\n and \nNote 20 \u2013 Fair Value Measurements\n.\nPrincipal balance outstanding includes loans where the Corporation was the transferor to securitization VIEs with which it has continuing involvement, which may include servicing the loans.\nFor unconsolidated home equity loan VIEs, the maximum loss exposure includes outstanding trust certificates issued by trusts in rapid amortization, net of recorded reserves. For both consolidated and unconsolidated home equity loan VIEs, the maximum loss\nexposure excludes the reserve for representations and warranties obligations and corporate guarantees. For more information, see \nNote 12 \u2013 Commitments and Contingencies\n.\nOther Asset-backed Securitizations\nOther Asset-backed Securitizations\nThe following paragraphs summarize select information related to other\nasset-backed VIEs in which the Corporation had a variable interest at\nDecember 31, 2023 and 2022.\nCredit Card and Automobile Loan Securitizations\nCredit Card and Automobile Loan Securitizations\nThe Corporation securitizes originated and purchased credit card and\nautomobile loans as a source of financing. The loans are sold on a non-\nrecourse basis to consolidated trusts. The securitizations are ongoing,\nwhereas additional receivables will be funded into the trusts by either loan\nrepayments or proceeds from securities issued to third parties, depending on\nthe securitization structure. The Corporation\u2019s continuing involvement with the\nsecuritization trusts includes servicing the receivables and holding various\nsubordinated interests, including an undivided seller\u2019s interest in the credit\ncard receivables and owning certain retained interests.\nAt December 31, 2023 and 2022, the carrying values of the receivables in\nthe trusts totaled $\n16.6\n billion and $\n14.6\n billion, which are included in loans\nand leases, and the carrying values of senior debt securities that were issued\nto third-party investors from the trusts totaled $\n7.8\n billion and $\n4.2\n billion,\nwhich are included in long-term debt.\nResecuritization Trusts\nResecuritization Trusts\nThe Corporation transfers securities, typically MBS, into resecuritization VIEs\ngenerally at the request of customers seeking securities with specific\ncharacteristics. Generally, there are no significant ongoing activities performed\nin a resecuritization trust, and no single investor has the unilateral ability to\nliquidate the trust.\nThe Corporation resecuritized $\n8.6\n billion, $\n21.8\n billion and $\n28.9\n billion of\nsecurities during 2023, 2022 and 2021, respectively. Securities transferred\ninto resecuritization VIEs were measured at fair value with changes in fair\nvalue recorded\nin market making and similar activities prior to the resecuritization and,\naccordingly, no gain or loss on sale was recorded.", "250600d0-1d5c-461c-b829-ffde6a9e3d3c": "Resecuritization Trusts\nResecuritization Trusts\nThe Corporation transfers securities, typically MBS, into resecuritization VIEs\ngenerally at the request of customers seeking securities with specific\ncharacteristics. Generally, there are no significant ongoing activities performed\nin a resecuritization trust, and no single investor has the unilateral ability to\nliquidate the trust.\nThe Corporation resecuritized $\n8.6\n billion, $\n21.8\n billion and $\n28.9\n billion of\nsecurities during 2023, 2022 and 2021, respectively. Securities transferred\ninto resecuritization VIEs were measured at fair value with changes in fair\nvalue recorded\nin market making and similar activities prior to the resecuritization and,\naccordingly, no gain or loss on sale was recorded. Securities received from\nthe resecuritization VIEs were recognized at their fair value of $\n2.4\n billion, $\n2.4\nbillion and $\n2.2\n billion during 2023, 2022 and 2021, respectively. In 2023,\n2022 and 2021, substantially all of the securities were classified as trading\naccount assets. Substantially all of the trading account securities carried at fair\nvalue were categorized as Level 2 within the fair value hierarchy.\nCustomer VIEs\nCustomer VIEs\nCustomer VIEs include credit-linked, equity-linked and commodity-linked note\nVIEs, repackaging VIEs and asset acquisition VIEs, which are typically created\non behalf of customers who wish to obtain market or credit exposure to a\nspecific company, index, commodity or financial instrument.\nThe Corporation\u2019s involvement in the VIE is limited to its loss exposure.\nThe Corporation\u2019s maximum loss exposure to consolidated and\nunconsolidated customer VIEs totaled $\n952\n million and $\n914\n million at\nDecember 31, 2023 and 2022, including the notional amount of derivatives to\nwhich the Corporation is a counterparty, net of losses previously recorded, and\nthe Corporation\u2019s investment, if any, in securities issued by the VIEs.\nMunicipal Bond Trusts\nMunicipal Bond Trusts\nThe Corporation administers municipal bond trusts that hold highly-rated,\nlong-term, fixed-rate municipal bonds. The trusts obtain financing by issuing\nfloating-rate trust certificates that reprice on a weekly or other short-term basis\nto third-party investors.\nThe Corporation\u2019s liquidity commitments to unconsolidated municipal\nbond trusts, including those for which the Corporation was transferor, totaled\n$\n1.7\n billion and $\n2.5\n billion at December 31, 2023 and 2022. The weighted-\naverage remaining\n(3)\n(3)\n(1)\n(1)\n(2)\n(2)\n(1)\n(1)\n(1)\n(2)\n(3)\nBank of America \n128\n128", "1d8a79bd-6b90-49f8-974c-96898506b24d": "life of bonds held in the trusts at December 31, 2023 was \n12.2\n years. There\nwere no significant write-downs or downgrades of assets or issuers during\n2023, 2022 and 2021.\nCollateralized Debt Obligation VIEs\nCollateralized Debt Obligation VIEs\nThe Corporation receives fees for structuring CDO VIEs, which hold diversified\npools of fixed-income securities, typically corporate debt or ABS, which the\nCDO VIEs fund by issuing multiple tranches of debt and equity securities.\nCDOs are generally managed by third-party portfolio managers. The\nCorporation typically transfers assets to these CDOs, holds securities issued\nby the CDOs and may be a derivative counterparty to the CDOs. The\nCorporation maximum loss exposure to consolidated and unconsolidated\nCDOs totaled $\n80\n million and $\n197\n million at December 31, 2023 and 2022.\nInvestment VIEs\nInvestment VIEs\nThe Corporation sponsors, invests in or provides financing, which may be in\nconnection with the sale of assets, to a variety of investment VIEs that hold\nloans, real estate, debt securities or other financial instruments and are\ndesigned to provide the desired investment profile to investors or the\nCorporation. At December 31, 2023 and 2022, the Corporation\u2019s consolidated\ninvestment VIEs had total assets of $\n472\n million and $\n854\nmillion. The Corporation also held investments in unconsolidated VIEs with\ntotal assets of $\n18.4\n billion and $\n14.8\n billion at December 31, 2023 and 2022.\nThe Corporation\u2019s maximum loss exposure associated with both consolidated\nand unconsolidated investment VIEs totaled $\n2.6\n billion and $\n3.0\n billion at\nDecember 31, 2023 and 2022 comprised primarily of on-balance sheet\nassets less non-recourse liabilities.\nLeveraged Lease Trusts\nLeveraged Lease Trusts\nThe Corporation\u2019s net investment in consolidated leveraged lease trusts\ntotaled $\n1.1\n billion and $\n1.2\n billion at December 31, 2023 and 2022. The trusts\nhold long-lived equipment such as rail cars, power generation and distribution\nequipment, and commercial aircraft. The Corporation structures the trusts and\nholds a significant residual interest. The net investment represents the\nCorporation\u2019s maximum loss exposure to the trusts in the unlikely event that\nthe leveraged lease investments become worthless. Debt issued by the\nleveraged lease trusts is non-recourse to the Corporation.\nThe table below summarizes the maximum loss exposure and assets held\nby the Corporation that related to other asset-backed VIEs at December 31,\n2023 and 2022.\nOther Asset-backed VIEs\nOther Asset-backed VIEs\n \nCredit Card and Automobile\nCredit Card and Automobile\nResecuritization Trusts and\nResecuritization Trusts and\nCustomer VIEs\nCustomer VIEs\nMunicipal Bond Trusts \nMunicipal Bond Trusts \nand CDOs\nand CDOs\nInvestment VIEs and\nInvestment VIEs and\nLeveraged Lease Trusts\nLeveraged Lease Trusts\n \nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\nUnconsolidated VIEs\nUnconsolidated VIEs\n \n \n \n \n \n \nMaximum loss exposure\nMaximum loss exposure\n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n4,494\n4,494\n \n$\n4,940\n \n$\n$\n1,787\n1,787\n \n$\n2,734\n \n$\n$\n2,197\n2,197\n \n$\n2,235\n \nOn-balance sheet assets\n \n \n \n \n \n \nSecurities \n:\n \n \n \n \n \n \nTrading account assets\n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n626\n626\n \n$\n456\n \n$\n$\n23\n23\n \n$\n183\n \n$\n$\n469\n469\n \n$\n455\n \nDebt securities carried at fair value\n\u2014\n\u2014\n \n\u2014\n \n920\n920\n \n1,259\n \n\u2014\n\u2014\n \n\u2014\n \n4\n4\n \n5\n \nHeld-to-maturity securities\n\u2014\n\u2014\n \n\u2014\n \n2,237\n2,237\n \n2,", "9eb8f3eb-0a7f-44e4-8b8e-671f35ff73a9": "494\n4,494\n \n$\n4,940\n \n$\n$\n1,787\n1,787\n \n$\n2,734\n \n$\n$\n2,197\n2,197\n \n$\n2,235\n \nOn-balance sheet assets\n \n \n \n \n \n \nSecurities \n:\n \n \n \n \n \n \nTrading account assets\n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n626\n626\n \n$\n456\n \n$\n$\n23\n23\n \n$\n183\n \n$\n$\n469\n469\n \n$\n455\n \nDebt securities carried at fair value\n\u2014\n\u2014\n \n\u2014\n \n920\n920\n \n1,259\n \n\u2014\n\u2014\n \n\u2014\n \n4\n4\n \n5\n \nHeld-to-maturity securities\n\u2014\n\u2014\n \n\u2014\n \n2,237\n2,237\n \n2,528\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \nLoans and leases\n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n90\n90\n \n90\n \nAllowance for loan and lease losses\n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n(\n(\n12\n12\n)\n)\n(\n12\n)\nAll other assets\n\u2014\n\u2014\n \n\u2014\n \n711\n711\n \n697\n \n7\n7\n \n18\n \n1,168\n1,168\n \n1,230\n \nTotal retained positions\nTotal retained positions\n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n4,494\n4,494\n \n$\n4,940\n \n$\n$\n30\n30\n \n$\n201\n \n$\n$\n1,719\n1,719\n \n$\n1,768\n \nTotal assets of VIEs\n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n15,862\n15,862\n \n$\n13,385\n \n$\n$\n9,279\n9,279\n \n$\n13,595\n \n$\n$\n18,398\n18,398\n \n$\n14,771\n \nConsolidated VIEs\nConsolidated VIEs\n \n \n \n \n \n \nMaximum loss exposure\nMaximum loss exposure\n$\n$\n8,127\n8,127\n \n$\n9,555\n \n$\n$\n1,240\n1,240\n \n$\n768\n \n$\n$\n3,136\n3,136\n \n$\n\u2014\n \n$\n$\n1,596\n1,596\n \n$\n2,069\n \nOn-balance sheet assets\n \n \n \n \n \n \nTrading account assets\n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n1,798\n1,798\n \n$\n1,002\n \n$\n$\n3,084\n3,084\n \n$\n\u2014\n \n$\n$\n1\n1\n \n$\n1\n \nDebt securities carried at fair value\n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n52\n52\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \nLoans and leases\n16,640\n16,640\n \n14,555\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n1,605\n1,605\n \n2,086\n \nAllowance for loan and lease losses\n(\n(\n832\n832\n)\n)\n(\n808\n)\n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n(\n(\n1\n1\n)\n)\n(\n1\n)\nAll other assets\n163\n163\n \n68\n \n38\n38\n \n20\n \n\u2014\n\u2014\n \n\u2014\n \n15\n15\n \n26\n \nTotal assets\nTotal assets\n$\n$\n15,971\n15,971\n \n$\n13,815\n \n$\n$\n1,836\n1,836\n \n$\n1,022\n \n$\n$\n3,136\n3,136\n \n$\n\u2014\n \n$\n$\n1,620\n1,620\n \n$\n2,112\n \nOn-balance sheet liabilities\n \n \n \n \n \n \nShort-term borrowings\n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n2,934\n2,934\n \n$\n\u2014\n \n$\n$\n23\n23\n \n$\n42\n \nLong-term debt\n7,825\n7,825\n \n4,247\n \n596\n596\n \n254\n \n\u2014\n\u2014\n \n\u2014\n \n1\n1\n \n1\n \nAll other liabilities\n19\n19\n \n13\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \nTotal liabilities\nTotal liabilities\n$\n$\n7,844\n7,844\n \n$\n4,260\n \n$\n$\n596\n596\n \n$\n254\n \n$\n$\n2,934\n2,934\n \n$\n\u2014\n \n$\n$\n24\n24\n \n$\n43\n \nAt December 31, 2023 and 2022,", "8ab00f08-dd8c-4a9b-875a-9d1c58e17db3": "112\n \nOn-balance sheet liabilities\n \n \n \n \n \n \nShort-term borrowings\n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n$\n2,934\n2,934\n \n$\n\u2014\n \n$\n$\n23\n23\n \n$\n42\n \nLong-term debt\n7,825\n7,825\n \n4,247\n \n596\n596\n \n254\n \n\u2014\n\u2014\n \n\u2014\n \n1\n1\n \n1\n \nAll other liabilities\n19\n19\n \n13\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \nTotal liabilities\nTotal liabilities\n$\n$\n7,844\n7,844\n \n$\n4,260\n \n$\n$\n596\n596\n \n$\n254\n \n$\n$\n2,934\n2,934\n \n$\n\u2014\n \n$\n$\n24\n24\n \n$\n43\n \nAt December 31, 2023 and 2022, loans and leases in the consolidated credit card trust included $\n3.2\n billion and $\n3.3\n billion of seller\u2019s interest.\nThe retained senior securities were valued using quoted market prices or observable market inputs (Level 2 of the fair value hierarchy).\nTax Credit VIEs\nTax Credit VIEs\nThe Corporation holds equity investments in unconsolidated limited\npartnerships and similar entities that construct, own and operate affordable\nhousing, renewable energy and certain other projects. The total assets of\nthese unconsolidated tax credit VIEs were $\n84.1\n billion and $\n74.8\n billion as of\nDecember 31, 2023 and 2022. An unrelated third party is typically the general\npartner or managing member and has control over the significant activities of\nthe VIE. As an investor, tax credits associated with the investments in these\nentities are allocated\nto the Corporation, as provided by the U.S. Internal Revenue Code and related\nregulations, and are recognized as income tax benefits in the Corporation\u2019s\nConsolidated Statement of Income in the year they are earned, which varies\nbased on the type of investments. Tax credits from investments in affordable\nhousing are recognized ratably over a term of up to 10 years, and tax credits\nfrom renewable energy investments are recognized either at inception for\ntransactions electing Investment Tax Credits (ITCs) or as energy is produced\nfor transactions electing Production Tax Credits (PTCs), which is generally up\nto a 10-year\n(1)\n(1)\n(2)\n(1)\n(2)\n129\n129\n \nBank of America", "a0071e87-86cb-417d-91fe-be29a9f895d1": "time period. The volume and types of investments held by the Corporation will\ninfluence the amount of tax credits recognized each period.\nThe Corporation\u2019s equity investments in affordable housing and other\nprojects totaled $\n15.8\n billion and $\n14.7\n billion at December 31, 2023 and\n2022, which included unfunded capital contributions of $\n7.2\n billion and $\n6.9\nbillion that are probable to be paid over the next \nfive years\n. The Corporation\nmay be asked to invest additional amounts to support a troubled affordable\nhousing project. Such additional investments have not been and are not\nexpected to be significant. During 2023, 2022 and 2021, the Corporation\nrecognized tax credits and other tax benefits related to affordable housing and\nother tax credit equity investments of $\n1.9\n billion, $\n1.5\n billion and $\n1.3\n billion,\nand reported pretax losses in other income of $\n1.5\n billion, $\n1.2\n billion and $\n1.1\nbillion. The Corporation\u2019s equity investments in renewable energy totaled\n$\n14.2\n billion and $\n13.9\n billion at December 31, 2023 and 2022. In addition, the\nCorporation had unfunded capital contributions for renewable energy\ninvestments of $\n6.2\n billion and $\n1.9\n billion at December 31, 2023 and 2022,\nwhich are contingent on various conditions precedent to funding over the next\ntwo years\n. The Corporation\u2019s risk of loss is generally mitigated by policies\nrequiring the project to qualify for the expected tax credits prior to making its\ninvestment. During 2023, 2022 and 2021, the Corporation recognized tax\ncredits and other tax benefits related to renewable energy equity investments\nof $\n4.0\n billion, $\n2.9\n billion and $3.1 billion and reported pretax losses in other\nincome of $\n3.1\n billion, $\n2.1\n billion and $\n2.2\n billion. The Corporation may also\nenter into power purchase agreements with renewable energy tax credit\nentities.\nThe table below summarizes select information related to unconsolidated\ntax credit VIEs in which the Corporation held a variable interest at\nDecember 31, 2023 and 2022.\nUnconsolidated Tax Credit VIEs\nUnconsolidated Tax Credit VIEs\nDecember 31\nDecember 31\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nDecember 31, 2022\nMaximum loss exposure\nMaximum loss exposure\n$\n$\n30,040\n30,040\n \n$\n28,277\n \nOn-balance sheet assets\n \n \n \nAll other assets\n30,040\n30,040\n \n$\n28,277\n \nTotal\nTotal\n$\n$\n30,040\n30,040\n \n$\n28,277\n \nOn-balance sheet liabilities\n \n \n \nAll other liabilities\n7,254\n7,254\n \n$\n6,907\n \nTotal\nTotal\n$\n$\n7,254\n7,254\n \n$\n6,907\n \nTotal assets of VIEs\nTotal assets of VIEs\n$\n$\n84,148\n84,148\n \n$\n74,791\n \nNOTE 7 \nNOTE 7 \nGoodwill and Intangible Assets\nGoodwill and Intangible Assets\nGoodwill\nGoodwill\nThe table below presents goodwill balances by business segment at\nDecember 31, 2023 and 2022. The reporting units utilized for goodwill\nimpairment testing are the operating segments or one level below.\nGoodwill\nGoodwill\nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\nConsumer Banking\n$\n$\n30,137\n30,137\n \n$\n30,137\n \nGlobal Wealth & Investment Management\n9,677\n9,677\n \n9,677\n \nGlobal Banking\n24,026\n24,026\n \n24,026\n \nGlobal Markets\n5,181\n5,181\n \n5,182\n \nTotal goodwill\nTotal goodwill\n$\n$\n69,021\n69,021\n \n$\n69,022\n \nDuring 2023, the Corporation completed its annual goodwill impairment test\nas of June 30, 2023 using a quantitative assessment for all applicable\nreporting units. Based on the results of the annual goodwill impairment test,\nthe Corporation determined there was no impairment. For more information\non the use of quantitative assessments, see \nNote 1 \u2013 Summary of Significant\nAccounting Principles\n.", "48770826-edc1-4d08-b6f5-5f8d10221585": "Goodwill\nGoodwill\nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\nConsumer Banking\n$\n$\n30,137\n30,137\n \n$\n30,137\n \nGlobal Wealth & Investment Management\n9,677\n9,677\n \n9,677\n \nGlobal Banking\n24,026\n24,026\n \n24,026\n \nGlobal Markets\n5,181\n5,181\n \n5,182\n \nTotal goodwill\nTotal goodwill\n$\n$\n69,021\n69,021\n \n$\n69,022\n \nDuring 2023, the Corporation completed its annual goodwill impairment test\nas of June 30, 2023 using a quantitative assessment for all applicable\nreporting units. Based on the results of the annual goodwill impairment test,\nthe Corporation determined there was no impairment. For more information\non the use of quantitative assessments, see \nNote 1 \u2013 Summary of Significant\nAccounting Principles\n.\nIntangible Assets\nIntangible Assets\nAt December 31, 2023 and 2022, the net carrying value of intangible assets\nwas $\n2.0\n billion and $\n2.1\n billion. At both December 31, 2023 and 2022,\nintangible assets included $\n1.6\n billion of intangible assets associated with\ntrade names, substantially all of which had an indefinite life and, accordingly,\nare not being amortized. Amortization of intangibles expense was $\n78\n million\nfor both 2023 and 2022 and $\n76\n million for 2021\n.\nNOTE 8 \nNOTE 8 \nLeases\nLeases\nThe Corporation enters into both lessor and lessee arrangements. For more\ninformation on lease accounting, see \nNote 1 \u2013 Summary of Significant\nAccounting Principles\n and on lease financing receivables, see \nNote 5 \u2013\nOutstanding Loans and Leases and Allowance for Credit Losses\n.\nLessor Arrangements\nLessor Arrangements\nThe Corporation\u2019s lessor arrangements primarily consist of operating, sales-\ntype and direct financing leases for equipment. Lease agreements may\ninclude options to renew and for the lessee to purchase the leased equipment\nat the end of the lease term.\nThe table below presents the net investment in sales-type and direct\nfinancing leases at December 31, 2023 and 2022.\nNet Investment \nNet Investment \nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\nLease receivables\n$\n$\n16,565\n16,565\n \n$\n15,123\n \nUnguaranteed residuals\n2,485\n2,485\n \n2,143\n \n Total net investment in sales-type and direct\n financing leases\n$\n$\n19,050\n19,050\n \n$\n17,266\n \nIn certain cases, the Corporation obtains third-party residual value insurance to reduce its residual asset risk. The carrying\nvalue of residual assets with third-party residual value insurance for at least a portion of the asset value was $\n6.8\n billion and\n$\n6.5\n billion at December 31, 2023 and 2022.\nThe table below presents lease income for 2023, 2022 and 2021.\nLease Income\nLease Income\n(Dollars in millions)\n2023\n2023\n2022\n2021\nSales-type and direct financing leases\n$\n$\n788\n788\n \n$\n589\n \n$\n613\n \nOperating leases\n945\n945\n \n941\n \n930\n \n Total lease income\n$\n$\n1,733\n1,733\n \n$\n1,530\n \n$\n1,543\n \nLessee Arrangements\nLessee Arrangements\nThe Corporation's lessee arrangements predominantly consist of operating\nleases for premises and equipment; the Corporation's financing leases are\nnot significant.\nLease terms may contain renewal and extension options and early\ntermination features. Generally, these options do not impact the lease term\nbecause the Corporation is not reasonably certain that it will exercise the\noptions.\n(1)\n(1)\n(1)\nBank of America \n130\n130", "9733e65d-c631-4efb-96e4-18804b5e8aef": "The table below provides information on the right-of-use assets, lease\nliabilities and weighted-average discount rates and lease terms at\nDecember 31, 2023 and 2022.\nSupplemental Information for Lessee Arrangements\nSupplemental Information for Lessee Arrangements\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\nRight-of-use assets\n$\n$\n9,150\n9,150\n \n$\n9,755\n \nLease liabilities\n9,782\n9,782\n \n10,359\n \nWeighted-average discount rate\n used to calculate present \n value of future minimum lease\n payments\n3.51\n3.51\n \n%\n%\n3.25\n \n%\nWeighted-average lease term \n (in years)\n8.2\n8.2\n8.6\nRight-of-use assets obtained in\n exchange for new operating\n lease liabilities \n$\n$\n430\n430\n \n$\n824\n \n2023\n2023\n2022\n2021\nOperating cash flows from\n operating leases \n$\n$\n1,975\n1,975\n \n$\n1,986\n \n$\n1,964\n \nLease Cost and Supplemental\n Information:\nOperating lease cost\n$\n$\n1,981\n1,981\n \n$\n2,008\n \n$\n2,025\n \nVariable lease cost \n460\n460\n \n464\n \n462\n \n Total lease cost \n$\n$\n2,441\n2,441\n \n$\n2,472\n \n$\n2,487\n \nRepresents non-cash activity and, accordingly, is not reflected in the Consolidated Statement of Cash Flows.\nRepresents cash paid for amounts included in the measurements of lease liabilities.\nPrimarily consists of payments for common area maintenance and property taxes.\nAmounts are recorded in occupancy and equipment expense in the Consolidated Statement of Income.\nMaturity Analysis\nMaturity Analysis\nThe maturities of lessor and lessee arrangements outstanding at\nDecember 31, 2023 are presented in the table below based on undiscounted\ncash flows.\nMaturities of Lessor and Lessee Arrangements\nMaturities of Lessor and Lessee Arrangements\nLessor\nLessor\nLessee \nLessee \nOperating \nOperating \nLeases\nLeases\nSales-type and\nSales-type and\nDirect Financing\nDirect Financing\nLeases \nLeases \nOperating \nOperating \nLeases\nLeases\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\n2024\n$\n838\n \n$\n5,248\n \n$\n1,947\n \n2025\n647\n \n4,137\n \n1,734\n \n2026\n504\n \n4,397\n \n1,515\n \n2027\n393\n \n1,588\n \n1,308\n \n2028\n319\n \n1,382\n \n1,027\n \nThereafter\n533\n \n1,688\n \n11,307\n \nTotal undiscounted\ncash flows\n$\n3,234\n \n18,440\n \n18,838\n \nLess: Net present\nvalue adjustment\n1,875\n \n9,056\n \nTotal \nTotal \n$\n$\n16,565\n16,565\n \n$\n$\n9,782\n9,782\n \nExcludes $\n98\n million in commitments under lessee arrangements that have not yet commenced with lease terms that will begin\nin 2024.\nIncludes $\n11.3\n billion in commercial lease financing receivables and $\n5.3\n billion in direct/indirect consumer lease financing\nreceivables.\nRepresents lease receivables for lessor arrangements and lease liabilities for lessee arrangements.\nNOTE 9 \nNOTE 9 \nDeposits\nDeposits\nThe scheduled contractual maturities for total time deposits at December 31, 2023 are presented in the table below.\nContractual Maturities of Total Time Deposits\nContractual Maturities of Total Time Deposits\n(Dollars in millions)\nU.S.\nU.S.\nNon-U.S.\nNon-U.S.\nTotal\nTotal\nDue in 2024\n$\n143,585\n \n$\n9,667\n \n$\n$\n153,252\n153,252\n \nDue in 2025\n8,239\n \n55\n \n8,294\n8,294\n \nDue in 2026\n242\n \n13\n \n255\n255\n \nDue in 2027\n121\n \n17\n \n138\n138\n \nDue in 2028\n95\n \n2,903\n \n2,998\n2,998\n \nThereafter\n203\n \n8\n \n211\n211\n \nTotal time deposits\n$\n152,485\n \n$\n12,663\n \n$\n$\n165,148\n165,148\n \nAt December 31, 2023 and 2022, the Corporation had aggregate U.S.", "2f097ef1-c1e4-4c8d-8aed-b8b0db932b1c": "Contractual Maturities of Total Time Deposits\nContractual Maturities of Total Time Deposits\n(Dollars in millions)\nU.S.\nU.S.\nNon-U.S.\nNon-U.S.\nTotal\nTotal\nDue in 2024\n$\n143,585\n \n$\n9,667\n \n$\n$\n153,252\n153,252\n \nDue in 2025\n8,239\n \n55\n \n8,294\n8,294\n \nDue in 2026\n242\n \n13\n \n255\n255\n \nDue in 2027\n121\n \n17\n \n138\n138\n \nDue in 2028\n95\n \n2,903\n \n2,998\n2,998\n \nThereafter\n203\n \n8\n \n211\n211\n \nTotal time deposits\n$\n152,485\n \n$\n12,663\n \n$\n$\n165,148\n165,148\n \nAt December 31, 2023 and 2022, the Corporation had aggregate U.S. time deposits of $\n105.0\n billion and $\n12.8\n billion and non-U.S. time deposits of $\n12.6\nbillion and $\n9.0\n billion in denominations that met or exceeded insurance limits.\n(1)\n(2)\n(3)\n(4)\n(1)\n(2)\n(3)\n(4)\n(1)\n(1)\n(2)\n(2)\n(3)\n(3)\n(1)\n(2)\n(3)\n131\n131\n \nBank of America", "e05c8fdb-5d29-471d-9834-2768322e56b6": "NOTE 10 \nNOTE 10 \nSecurities Financing Agreements, Short-term\nSecurities Financing Agreements, Short-term\nBorrowings, Collateral and Restricted Cash\nBorrowings, Collateral and Restricted Cash\nThe Corporation enters into securities financing agreements which include\nsecurities borrowed or purchased under agreements to resell and securities\nloaned or sold under agreements to repurchase. These financing agreements\n(also referred to as \u201cmatched-book transactions\u201d) are to accommodate\ncustomers, obtain securities to cover short positions and finance inventory\npositions. The Corporation elects to account for certain securities financing\nagreements under the fair value option. For more information on the fair value\noption, see \nNote 21 \u2013 Fair Value Option\n.\nOffsetting of Securities Financing Agreements\nOffsetting of Securities Financing Agreements\nSubstantially all of the Corporation\u2019s securities financing activities are\ntransacted under legally enforceable master repurchase agreements or\nlegally enforceable master securities lending agreements that give the\nCorporation, in the event of\ndefault by the counterparty, the right to liquidate securities held and to offset\nreceivables and payables with the same counterparty. The Corporation offsets\nsecurities financing transactions with the same counterparty on the\nConsolidated Balance Sheet where it has such a legally enforceable master\nnetting agreement and the transactions have the same maturity date.\nThe Securities Financing Agreements table presents securities financing\nagreements included on the Consolidated Balance Sheet in federal funds\nsold and securities borrowed or purchased under agreements to resell, and in\nfederal funds purchased and securities loaned or sold under agreements to\nrepurchase at December 31, 2023 and 2022. Balances are presented on a\ngross basis, prior to the application of counterparty netting. Gross assets and\nliabilities are adjusted on an aggregate basis to take into consideration the\neffects of legally enforceable master netting agreements. For more information\non the offsetting of derivatives, see \nNote 3 \u2013 Derivatives.\nSecurities Financing Agreements\nSecurities Financing Agreements\nGross\nGross\nAssets/Liabilities\nAssets/Liabilities\nAmounts Offset\nAmounts Offset\nNet Balance\nNet Balance\nSheet Amount\nSheet Amount\nFinancial\nFinancial\nInstruments \nInstruments \nNet\nNet\nAssets/Liabilities\nAssets/Liabilities\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nSecurities borrowed or purchased under agreements to resell \n$\n$\n703,641\n703,641\n \n$\n$\n(\n(\n423,017\n423,017\n)\n)\n$\n$\n280,624\n280,624\n \n$\n$\n(\n(\n257,541\n257,541\n)\n)\n$\n$\n23,083\n23,083\n \nSecurities loaned or sold under agreements to repurchase\n$\n$\n706,904\n706,904\n \n$\n$\n(\n(\n423,017\n423,017\n)\n)\n$\n$\n283,887\n283,887\n \n$\n$\n(\n(\n272,285\n272,285\n)\n)\n$\n$\n11,602\n11,602\n \nOther \n10,066\n10,066\n \n\u2014\n\u2014\n \n10,066\n10,066\n \n(\n(\n10,066\n10,066\n)\n)\n\u2014\n\u2014\n \nTotal\nTotal\n$\n$\n716,970\n716,970\n \n$\n$\n(\n(\n423,017\n423,017\n)\n)\n$\n$\n293,953\n293,953\n \n$\n$\n(\n(\n282,351\n282,351\n)\n)\n$\n$\n11,602\n11,602\n \nDecember 31, 2022\nSecurities borrowed or purchased under agreements to resell \n$\n597,847\n \n$\n(\n330,273\n)\n$\n267,574\n \n$\n(\n240,120\n)\n$\n27,454\n \nSecurities loaned or sold under agreements to repurchase\n$\n525,908\n \n$\n(\n330,273\n)\n$\n195,635\n \n$\n(\n183,265\n)\n$\n12,370\n \nOther \n8,427\n \n\u2014\n \n8,427\n \n(\n8,427\n)\n\u2014\n \nTotal\nTotal\n$\n534,335\n \n$\n(\n330,273\n)\n$\n204,062\n \n$\n(\n191,692\n)\n$\n12,370\n \nIncludes activity where uncertainty exists as to the enforceability of certain master netting agreements under bankruptcy laws in some countries or industries.\nIncludes securities collateral received or pledged under repurchase or securities lending agreements where there is a legally enforceable master netting agreement. These amounts are not offset on the Consolidated Balance Sheet, but are shown as a reduction\nto derive a net asset or liability.", "7a4e08af-2fc4-4556-8664-cfda843a1072": "Includes securities collateral received or pledged under repurchase or securities lending agreements where there is a legally enforceable master netting agreement. These amounts are not offset on the Consolidated Balance Sheet, but are shown as a reduction\nto derive a net asset or liability. Securities collateral received or pledged where the legal enforceability of the master netting agreements is uncertain is excluded from the table.\nExcludes repurchase activity of $\n8.7\n billion reported in loans and leases on the Consolidated Balance Sheet for both December 31, 2023 and 2022.\nBalance is reported in accrued expenses and other liabilities on the Consolidated Balance Sheet and relates to transactions where the Corporation acts as the lender in a securities lending agreement and receives securities that can be pledged as collateral or\nsold. In these transactions, the Corporation recognizes an asset at fair value, representing the securities received, and a liability, representing the obligation to return those securities.\nRepurchase Agreements and Securities Loaned\nRepurchase Agreements and Securities Loaned\nTransactions Accounted for as Secured Borrowings\nTransactions Accounted for as Secured Borrowings\nThe following tables present securities sold under agreements to repurchase\nand securities loaned by remaining contractual term to maturity and class of\ncollateral pledged. Included in \u201cOther\u201d are transactions where the Corporation\nacts as the\nlender in a securities lending agreement and receives securities that can be\npledged as collateral or sold. Certain agreements contain a right to substitute\ncollateral and/or terminate the agreement prior to maturity at the option of the\nCorporation or the counterparty. Such agreements are included in the table\nbelow based on the remaining contractual term to maturity.\nRemaining Contractual Maturity\nRemaining Contractual Maturity\nOvernight and\nOvernight and\nContinuous\nContinuous\n30 Days or Less\n30 Days or Less\nAfter 30 Days\nAfter 30 Days\nThrough 90 Days\nThrough 90 Days\nGreater than\nGreater than\n90 Days \n90 Days \nTotal\nTotal\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nSecurities sold under agreements to repurchase\n$\n$\n234,974\n234,974\n \n$\n$\n228,627\n228,627\n \n$\n$\n85,176\n85,176\n \n$\n$\n75,020\n75,020\n \n$\n$\n623,797\n623,797\n \nSecurities loaned\n76,580\n76,580\n \n139\n139\n \n618\n618\n \n5,770\n5,770\n \n83,107\n83,107\n \nOther\n10,066\n10,066\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n10,066\n10,066\n \nTotal\nTotal\n$\n$\n321,620\n321,620\n \n$\n$\n228,766\n228,766\n \n$\n$\n85,794\n85,794\n \n$\n$\n80,790\n80,790\n \n$\n$\n716,970\n716,970\n \nDecember 31, 2022\nSecurities sold under agreements to repurchase\n$\n200,087\n \n$\n181,632\n \n$\n41,666\n \n$\n30,107\n \n$\n453,492\n \nSecurities loaned\n66,909\n \n288\n \n1,139\n \n4,080\n \n72,416\n \nOther\n8,427\n \n\u2014\n \n\u2014\n \n\u2014\n \n8,427\n \nTotal\nTotal\n$\n275,423\n \n$\n181,920\n \n$\n42,805\n \n$\n34,187\n \n$\n534,335\n \nNo\n agreements have maturities greater than \nfour years\n.\n(1)\n(1)\n(2)\n(2)\n(3)\n(4)\n(3)\n(4)\n(1)\n(2)\n(3)\n(4)\n(1)\n(1)\n(1)\nBank of America \n132\n132", "2e985822-de36-4e1d-9ada-9f09283f24de": "Class of Collateral Pledged\nClass of Collateral Pledged\nSecurities Sold Under\nSecurities Sold Under\nAgreements to\nAgreements to\nRepurchase\nRepurchase\nSecurities\nSecurities\nLoaned\nLoaned\nOther\nOther\nTotal\nTotal\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nU.S. government and agency securities\n$\n$\n352,950\n352,950\n \n$\n$\n34\n34\n \n$\n$\n38\n38\n \n$\n$\n353,022\n353,022\n \nCorporate securities, trading loans and other\n23,242\n23,242\n \n1,805\n1,805\n \n661\n661\n \n25,708\n25,708\n \nEquity securities\n11,517\n11,517\n \n81,266\n81,266\n \n9,367\n9,367\n \n102,150\n102,150\n \nNon-U.S. sovereign debt\n231,140\n231,140\n \n2\n2\n \n\u2014\n\u2014\n \n231,142\n231,142\n \nMortgage trading loans and ABS\n4,948\n4,948\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n4,948\n4,948\n \nTotal\nTotal\n$\n$\n623,797\n623,797\n \n$\n$\n83,107\n83,107\n \n$\n$\n10,066\n10,066\n \n$\n$\n716,970\n716,970\n \nDecember 31, 2022\nU.S. government and agency securities\n$\n193,005\n \n$\n18\n \n$\n\u2014\n \n$\n193,023\n \nCorporate securities, trading loans and other\n14,345\n \n2,896\n \n317\n \n17,558\n \nEquity securities\n10,249\n \n69,432\n \n8,110\n \n87,791\n \nNon-U.S. sovereign debt\n232,171\n \n70\n \n\u2014\n \n232,241\n \nMortgage trading loans and ABS\n3,722\n \n\u2014\n \n\u2014\n \n3,722\n \nTotal\nTotal\n$\n453,492\n \n$\n72,416\n \n$\n8,427\n \n$\n534,335\n \nUnder repurchase agreements, the Corporation is required to post\ncollateral with a market value equal to or in excess of the principal amount\nborrowed. For securities loaned transactions, the Corporation receives\ncollateral in the form of cash, letters of credit or other securities. To determine\nwhether the market value of the underlying collateral remains sufficient,\ncollateral is generally valued daily, and the Corporation may be required to\ndeposit additional collateral or may receive or return collateral pledged when\nappropriate. Repurchase agreements and securities loaned transactions are\ngenerally either overnight, continuous (i.e., no stated term) or short-term. The\nCorporation manages liquidity risks related to these agreements by sourcing\nfunding from a diverse group of counterparties, providing a range of securities\ncollateral and pursuing longer durations, when appropriate.\nShort-term Borrowings\nShort-term Borrowings\nThe Corporation classifies borrowings with an original maturity of less than\none year as short-term borrowings on the Consolidated Balance Sheet. At\nDecember 31, 2023 and 2022, the majority of short-term borrowings consisted\nof Federal Home Loan Bank advances, which totaled $\n13.2\n billion and\n$\n9.2\n billion, and commercial paper, which totaled $\n13.1\n billion and $\n9.9\n billion.\nCollateral\nCollateral\nThe Corporation accepts securities and loans as collateral that it is permitted\nby contract or practice to sell or repledge. At December 31, 2023 and 2022, the\nfair value of this collateral was $\n911.3\n billion and $\n827.6\n billion, of which\n$\n870.9\n billion and $\n764.1\n billion were sold or repledged. The primary source\nof this collateral is securities borrowed or purchased under agreements to\nresell.\nThe Corporation also pledges company-owned securities and loans as\ncollateral in transactions that include repurchase agreements, securities\nloaned, public and trust deposits, U.S. Treasury tax and loan notes, and short-\nterm borrowings. This collateral, which in some cases can be sold or\nrepledged by the counterparties to the transactions, is parenthetically\ndisclosed on the Consolidated Balance Sheet.\nIn certain cases, the Corporation has transferred assets to consolidated\nVIEs where those restricted assets serve as collateral for the interests issued\nby the VIEs. These assets are included on the Consolidated Balance Sheet in\nAssets of Consolidated VIEs.", "4edf3ea3-e55c-4657-b6d7-7e00e045708e": "The primary source\nof this collateral is securities borrowed or purchased under agreements to\nresell.\nThe Corporation also pledges company-owned securities and loans as\ncollateral in transactions that include repurchase agreements, securities\nloaned, public and trust deposits, U.S. Treasury tax and loan notes, and short-\nterm borrowings. This collateral, which in some cases can be sold or\nrepledged by the counterparties to the transactions, is parenthetically\ndisclosed on the Consolidated Balance Sheet.\nIn certain cases, the Corporation has transferred assets to consolidated\nVIEs where those restricted assets serve as collateral for the interests issued\nby the VIEs. These assets are included on the Consolidated Balance Sheet in\nAssets of Consolidated VIEs.\nIn addition, the Corporation obtains collateral in connection with its\nderivative contracts. Required collateral levels vary depending on the credit risk\nrating and the type of counterparty. Generally, the Corporation accepts\ncollateral in the form of cash, U.S. Treasury securities and other marketable\nsecurities. Based on provisions contained in master netting agreements, the\nCorporation nets cash collateral received against derivative assets. The\nCorporation also pledges collateral on its own derivative positions which can\nbe applied against derivative liabilities. For more information on the collateral\nof derivatives, see \nNote 3 \u2013 Derivatives.\nRestricted Cash\nRestricted Cash\nAt December 31, 2023 and 2022, the Corporation held restricted cash\nincluded within cash and cash equivalents on the Consolidated Balance\nSheet of $\n5.6\n billion and $\n7.6\n billion, predominantly related to cash\nsegregated in compliance with securities regulations and cash held on\ndeposit with central banks to meet reserve requirements.\n133\n133\n \nBank of America", "cb2e83c0-ccc4-496b-9dc7-8e999277cbf4": "NOTE 11 \nNOTE 11 \nLong-term Debt\nLong-term Debt\nLong-term debt consists of borrowings having an original maturity of one year or more. The table below presents the balance of long-term debt at December 31,\n2023 and 2022, and the related contractual rates and maturity dates as of December 31, 2023.\nWeighted-average\nWeighted-average\nRate\nRate\nDecember 31\nDecember 31\n(Dollars in millions)\nInterest Rates\nInterest Rates\nMaturity Dates\nMaturity Dates\n2023\n2023\n2022\nNotes issued by Bank of America Corporation \nNotes issued by Bank of America Corporation \n \n \n \nSenior notes:\n \n \n \nFixed\n3.29\n3.29\n%\n%\n0.25\n0.25\n - \n - \n8.05\n8.05\n%\n%\n2024 - 2052\n2024 - 2052\n$\n$\n194,388\n194,388\n \n$\n188,429\n \nFloating\n5.72\n5.72\n0.74\n0.74\n - \n - \n10.40\n10.40\n2024 - 2044\n2024 - 2044\n14,007\n14,007\n \n17,469\n \nSenior structured notes\n14,895\n14,895\n \n11,608\n \nSubordinated notes:\nFixed\n4.89\n4.89\n2.94\n2.94\n - \n - \n8.57\n8.57\n2024 - 2045\n2024 - 2045\n20,909\n20,909\n \n21,098\n \nFloating\n3.54\n3.54\n2.48\n2.48\n - \n - \n6.41\n6.41\n2026 - 2037\n2026 - 2037\n4,597\n4,597\n \n4,544\n \nJunior subordinated notes:\nFixed\n6.71\n6.71\n6.45\n6.45\n - \n - \n8.05\n8.05\n2027 - 2066\n2027 - 2066\n744\n744\n \n743\n \nFloating\n6.44\n6.44\n6.44\n6.44\n2056\n2056\n1\n1\n \n1\n \nTotal notes issued by Bank of America Corporation\nTotal notes issued by Bank of America Corporation\n249,541\n249,541\n \n243,892\n \nNotes issued by Bank of America, N.A.\nNotes issued by Bank of America, N.A.\n \n \n \nSenior notes:\n \n \n \nFixed\n5.58\n5.58\n5.25\n5.25\n - \n - \n5.82\n5.82\n2024 - 2028\n2024 - 2028\n5,076\n5,076\n \n\u2014\n \nFloating\n5.82\n5.82\n5.26\n5.26\n - \n - \n6.42\n6.42\n2024 - 2028\n2024 - 2028\n3,517\n3,517\n \n2,600\n \nSubordinated notes\n6.00\n6.00\n6.00\n6.00\n2036\n2036\n1,476\n1,476\n \n1,485\n \nAdvances from Federal Home Loan Banks:\nFixed\n5.62\n5.62\n0.01\n0.01\n - \n - \n7.42\n7.42\n2024 - 2034\n2024 - 2034\n5,826\n5,826\n \n681\n \nSecuritizations and other BANA VIEs\n7,892\n7,892\n \n4,300\n \nOther\n782\n782\n \n908\n \nTotal notes issued by Bank of America, N.A.\nTotal notes issued by Bank of America, N.A.\n24,569\n24,569\n \n9,974\n \nOther debt\nOther debt\n \n \n \nStructured liabilities\n27,471\n27,471\n \n21,835\n \nNonbank VIEs\n564\n564\n \n281\n \nOther\n59\n59\n \n\u2014\n \nTotal notes issued by nonbank and other entities\nTotal notes issued by nonbank and other entities\n28,094\n28,094\n \n22,116\n \nTotal long-term debt\nTotal long-term debt\n$\n$\n302,204\n302,204\n \n$\n275,982\n \nIncludes total loss-absorbing capacity compliant debt.\nRepresents liabilities of consolidated VIEs included in total long-term debt on the Consolidated Balance Sheet. Long-term debt of VIEs is collateralized by the assets of the VIEs.", "6ed1c072-6560-49e5-807d-f5f82c888602": "Total notes issued by Bank of America, N.A.\n24,569\n24,569\n \n9,974\n \nOther debt\nOther debt\n \n \n \nStructured liabilities\n27,471\n27,471\n \n21,835\n \nNonbank VIEs\n564\n564\n \n281\n \nOther\n59\n59\n \n\u2014\n \nTotal notes issued by nonbank and other entities\nTotal notes issued by nonbank and other entities\n28,094\n28,094\n \n22,116\n \nTotal long-term debt\nTotal long-term debt\n$\n$\n302,204\n302,204\n \n$\n275,982\n \nIncludes total loss-absorbing capacity compliant debt.\nRepresents liabilities of consolidated VIEs included in total long-term debt on the Consolidated Balance Sheet. Long-term debt of VIEs is collateralized by the assets of the VIEs. At December 31, 2023, amount includes debt predominantly from credit card and\nautomobile securitizations and other VIEs of $\n7.8\n billion and $\n204\n million. For more information, see \nNote 6 \u2013 Securitizations and Other Variable Interest Entities.\nIncludes debt outstanding of $\n10.0\n billion and $\n8.0\n billion at December 31, 2023 and 2022 that was issued by BofA Finance LLC, a consolidated finance subsidiary of Bank of America Corporation, the parent company, and is fully and unconditionally guaranteed by\nthe parent company.\nDuring 2023, the Corporation issued $\n62.0\n billion of long-term debt\nconsisting of $\n24.0\n billion of notes issued by Bank of America Corporation,\n$\n25.1\n billion of notes issued by Bank of America, N.A. and $\n12.9\n billion of other\ndebt. During 2022, the Corporation issued $\n66.0\n billion of long-term debt\nconsisting of $\n44.2\n billion of notes issued by Bank of America Corporation,\n$\n10.0\n billion of notes issued by Bank of America, N.A. and $\n11.8\n billion of other\ndebt.\nDuring 2023, the Corporation had total long-term debt maturities and\nredemptions in the aggregate of $\n42.7\n billion consisting of $\n25.3\n billion for\nBank of America Corporation, $\n10.5\n billion for Bank of America, N.A. and $\n6.9\nbillion of other debt. During 2022, the Corporation had total long-term debt\nmaturities and redemptions in the aggregate of $\n33.3\n billion consisting of\n$\n19.8\n billion for Bank of America Corporation, $\n9.9\n billion for Bank of America,\nN.A. and $\n3.6\n billion of other debt.\nBank of America Corporation and Bank of America, N.A. maintain various\nU.S. and non-U.S. debt programs to offer both senior and subordinated notes.\nThe notes may be denominated in U.S. dollars or foreign currencies. At\nDecember 31, 2023 and 2022, the amount of foreign currency-denominated\ndebt translated into U.S. dollars included in total long-term debt was $\n49.8\nbillion and $\n46.7\n billion. Foreign currency contracts may be used to convert\ncertain foreign currency-denominated debt into U.S. dollars.\nThe weighted-average effective interest rates for total long-term debt\n(excluding senior structured notes), total fixed-rate\ndebt and total floating-rate debt were \n3.70\n percent, \n3.55\n percent and \n5.21\npercent, respectively, at December 31, 2023, and \n3.27\n percent, \n3.23\n percent\nand \n4.14\n percent, respectively, at December 31, 2022. The Corporation\u2019s ALM\nactivities maintain an overall interest rate risk management strategy that\nincorporates the use of interest rate contracts to manage fluctuations in\nearnings caused by interest rate volatility. The Corporation\u2019s goal is to manage\ninterest rate sensitivity so that movements in interest rates do not have a\nsignificantly adverse effect on earnings and capital. The weighted-average\nrates are the contractual interest rates on the debt and do not reflect the\nimpacts of derivative transactions.\nThe following table shows the carrying value for aggregate annual\ncontractual maturities of long-term debt as of December 31, 2023. Included in\nthe table are certain structured notes issued by the Corporation that contain\nprovisions whereby the borrowings are redeemable at the option of the holder\n(put options) at specified dates prior to maturity.", "ba7ebe59-0572-4c29-a7c3-52d85f748ee8": "The Corporation\u2019s ALM\nactivities maintain an overall interest rate risk management strategy that\nincorporates the use of interest rate contracts to manage fluctuations in\nearnings caused by interest rate volatility. The Corporation\u2019s goal is to manage\ninterest rate sensitivity so that movements in interest rates do not have a\nsignificantly adverse effect on earnings and capital. The weighted-average\nrates are the contractual interest rates on the debt and do not reflect the\nimpacts of derivative transactions.\nThe following table shows the carrying value for aggregate annual\ncontractual maturities of long-term debt as of December 31, 2023. Included in\nthe table are certain structured notes issued by the Corporation that contain\nprovisions whereby the borrowings are redeemable at the option of the holder\n(put options) at specified dates prior to maturity. Other structured notes have\ncoupon or repayment terms linked to the performance of debt or equity\nsecurities, indices, currencies or commodities, and the maturity may be\naccelerated based on the value of a referenced index or security. In both\ncases, the Corporation or a subsidiary may be required to settle the obligation\nfor cash or other securities prior to the contractual maturity date. These\nborrowings are reflected in the table as maturing at their contractual maturity\ndate.\n(1)\n(1)\n (2)\n (3)\n (2)\n(1)\n(2)\n(3)\nBank of America \n134\n134", "a59ce8c6-1d32-4a73-9b67-76650e3e433e": "Long-term Debt by Maturity\nLong-term Debt by Maturity\n(Dollars in millions)\n2024\n2024\n2025\n2025\n2026\n2026\n2027\n2027\n2028\n2028\nThereafter\nThereafter\nTotal\nTotal\nBank of America Corporation\nBank of America Corporation\nSenior notes\n$\n7,650\n \n$\n25,526\n \n$\n24,743\n \n$\n21,447\n \n$\n27,986\n \n$\n101,043\n \n$\n$\n208,395\n208,395\n \nSenior structured notes\n719\n \n698\n \n1,177\n \n627\n \n1,056\n \n10,618\n \n14,895\n14,895\n \nSubordinated notes\n3,136\n \n5,137\n \n4,904\n \n2,118\n \n940\n \n9,271\n \n25,506\n25,506\n \nJunior subordinated notes\n\u2014\n \n\u2014\n \n\u2014\n \n190\n \n\u2014\n \n555\n \n745\n745\n \nTotal Bank of America Corporation\nTotal Bank of America Corporation\n11,505\n \n31,361\n \n30,824\n \n24,382\n \n29,982\n \n121,487\n \n249,541\n249,541\n \nBank of America, N.A.\nBank of America, N.A.\nSenior notes\n2,270\n \n2,422\n \n3,219\n \n\u2014\n \n682\n \n\u2014\n \n8,593\n8,593\n \nSubordinated notes\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n1,476\n \n1,476\n1,476\n \nAdvances from Federal Home Loan Banks\n5,750\n \n13\n \n9\n \n4\n \n9\n \n41\n \n5,826\n5,826\n \nSecuritizations and other Bank VIEs \n1,215\n \n2,249\n \n3,364\n \n\u2014\n \n866\n \n198\n \n7,892\n7,892\n \nOther\n348\n \n204\n \n38\n \n57\n \n134\n \n1\n \n782\n782\n \nTotal Bank of America, N.A.\nTotal Bank of America, N.A.\n9,583\n \n4,888\n \n6,630\n \n61\n \n1,691\n \n1,716\n \n24,569\n24,569\n \nOther debt\nOther debt\nStructured Liabilities\n5,603\n \n3,046\n \n3,726\n \n2,048\n \n2,042\n \n11,006\n \n27,471\n27,471\n \nNonbank VIEs \n6\n \n\u2014\n \n7\n \n\u2014\n \n7\n \n544\n \n564\n564\n \nOther\n40\n \n19\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n59\n59\n \nTotal other debt\nTotal other debt\n5,649\n \n3,065\n \n3,733\n \n2,048\n \n2,049\n \n11,550\n \n28,094\n28,094\n \nTotal long-term debt\nTotal long-term debt\n$\n$\n26,737\n26,737\n \n$\n$\n39,314\n39,314\n \n$\n$\n41,187\n41,187\n \n$\n$\n26,491\n26,491\n \n$\n$\n33,722\n33,722\n \n$\n$\n134,753\n134,753\n \n$\n$\n302,204\n302,204\n \nRepresents liabilities of consolidated VIEs included in total long-term debt on the Consolidated Balance Sheet.\nNOTE 12 \nNOTE 12 \nCommitments and Contingencies\nCommitments and Contingencies\nIn the normal course of business, the Corporation enters into a number of off-\nbalance sheet commitments. These commitments expose the Corporation to\nvarying degrees of credit and market risk and are subject to the same credit\nand market risk limitation reviews as those instruments recorded on the\nConsolidated Balance Sheet.\nCredit Extension Commitments\nCredit Extension Commitments\nThe Corporation enters into commitments to extend credit such as loan\ncommitments, SBLCs and commercial letters of credit to meet the financing\nneeds of its customers. The following table includes the notional amount of\nunfunded legally binding lending commitments net of amounts distributed\n(i.e., syndicated or participated) to other financial institutions. The distributed\namounts were $\n10.3\n billion and $\n10.4\n billion at December 31, 2023 and 2022.\nThe carrying value of the Corporation\u2019s credit extension commitments at\nDecember 31, 2023 and 2022, excluding commitments accounted for under\nthe fair value option, was $\n1.2\n billion and $\n1.6\n billion, which predominantly\nrelated to the reserve for unfunded lending commitments. The carrying value of\nthese commitments is classified in accrued expenses and other liabilities on\nthe Consolidated Balance Sheet.\nLegally binding commitments to extend credit generally have specified\nrates and maturities.", "26c14b7e-5350-4d5d-b0ac-6f04c5936374": "The following table includes the notional amount of\nunfunded legally binding lending commitments net of amounts distributed\n(i.e., syndicated or participated) to other financial institutions. The distributed\namounts were $\n10.3\n billion and $\n10.4\n billion at December 31, 2023 and 2022.\nThe carrying value of the Corporation\u2019s credit extension commitments at\nDecember 31, 2023 and 2022, excluding commitments accounted for under\nthe fair value option, was $\n1.2\n billion and $\n1.6\n billion, which predominantly\nrelated to the reserve for unfunded lending commitments. The carrying value of\nthese commitments is classified in accrued expenses and other liabilities on\nthe Consolidated Balance Sheet.\nLegally binding commitments to extend credit generally have specified\nrates and maturities. Certain of these commitments have adverse change\nclauses that help to protect the Corporation against deterioration in the\nborrower\u2019s ability to pay.\nThe following table includes the notional amount of commitments of\n$\n2.6\n billion and $\n3.0\n billion at December 31, 2023 and 2022 that are\naccounted for under the fair value option. However, the table excludes the\ncumulative net fair value for these commitments of $\n67\n million and $\n110\nmillion at December 31, 2023 and 2022, which is classified in accrued\nexpenses and other liabilities. For more information regarding the\nCorporation\u2019s loan commitments accounted for under the fair value option,\nsee \nNote 21 \u2013 Fair Value Option.\n(1)\n(1)\n(1) \n135\n135\n \nBank of America", "3837b4a1-3c1c-4c54-a53b-b32dce46972f": "Credit Extension Commitments\nCredit Extension Commitments\nExpire in One\nExpire in One\nYear or Less\nYear or Less\nExpire After One\nExpire After One\nYear Through\nYear Through\nThree Years\nThree Years\nExpire After Three\nExpire After Three\nYears Through \nYears Through \nFive Years\nFive Years\nExpire After \nExpire After \nFive Years\nFive Years\nTotal\nTotal\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nNotional amount of credit extension commitments\nNotional amount of credit extension commitments\n \n \n \n \n \nLoan commitments \n$\n$\n124,298\n124,298\n \n$\n$\n198,818\n198,818\n \n$\n$\n193,878\n193,878\n \n$\n$\n15,386\n15,386\n \n$\n$\n532,380\n532,380\n \nHome equity lines of credit\n2,775\n2,775\n \n9,182\n9,182\n \n11,195\n11,195\n \n21,975\n21,975\n \n45,127\n45,127\n \nStandby letters of credit and financial guarantees \n21,067\n21,067\n \n9,633\n9,633\n \n2,693\n2,693\n \n652\n652\n \n34,045\n34,045\n \nLetters of credit\n873\n873\n \n207\n207\n \n66\n66\n \n29\n29\n \n1,175\n1,175\n \nOther commitments \n17\n17\n \n50\n50\n \n108\n108\n \n1,035\n1,035\n \n1,210\n1,210\n \nLegally binding commitments\n149,030\n149,030\n \n217,890\n217,890\n \n207,940\n207,940\n \n39,077\n39,077\n \n613,937\n613,937\n \nCredit card lines \n440,328\n440,328\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n440,328\n440,328\n \nTotal credit extension commitments\nTotal credit extension commitments\n$\n$\n589,358\n589,358\n \n$\n$\n217,890\n217,890\n \n$\n$\n207,940\n207,940\n \n$\n$\n39,077\n39,077\n \n$\n$\n1,054,265\n1,054,265\n \n \nDecember 31, 2022\nNotional amount of credit extension commitments\nNotional amount of credit extension commitments\n \n \n \n \n \nLoan commitments \n$\n113,962\n \n$\n162,890\n \n$\n221,374\n \n$\n13,667\n \n$\n511,893\n \nHome equity lines of credit\n1,479\n \n7,230\n \n11,578\n \n22,154\n \n42,441\n \nStandby letters of credit and financial guarantees \n22,565\n \n9,237\n \n2,787\n \n628\n \n35,217\n \nLetters of credit\n853\n \n46\n \n52\n \n49\n \n1,000\n \nOther commitments \n5\n \n93\n \n71\n \n1,103\n \n1,272\n \nLegally binding commitments\n138,864\n \n179,496\n \n235,862\n \n37,601\n \n591,823\n \nCredit card lines \n419,144\n \n\u2014\n \n\u2014\n \n\u2014\n \n419,144\n \nTotal credit extension commitments\nTotal credit extension commitments\n$\n558,008\n \n$\n179,496\n \n$\n235,862\n \n$\n37,601\n \n$\n1,010,967\n \nAt December 31, 2023 and 2022, $\n3.1\n billion and $\n2.6\n billion of these loan commitments were held in the form of a security.\nThe notional amounts of SBLCs and financial guarantees classified as investment grade and non-investment grade based on the credit quality of the underlying reference name within the instrument were $\n23.6\n billion and $\n9.7\n billion at December 31, 2023, and\n$\n25.1\n billion and $\n9.5\n billion at December 31, 2022. Amounts in the table include consumer SBLCs of $\n744\n million and $\n575\n million at December 31, 2023 and 2022.\nPrimarily includes second-loss positions on lease-end residual value guarantees.\nIncludes business card unused lines of credit.\nOther Commitments\nOther Commitments\nAt December 31, 2023 and 2022, the Corporation had commitments to\npurchase loans (e.g., residential mortgage and commercial real estate) of\n$\n822\n million and $\n636\n million, which upon settlement will be included in\ntrading account assets, loans or LHFS, and commitments to purchase\ncommercial loans of $\n420\n million and $\n294\n million, which upon settlement\nwill be included in trading account assets.", "89e4e214-2cbc-4ce8-b8d8-021921e15486": "Amounts in the table include consumer SBLCs of $\n744\n million and $\n575\n million at December 31, 2023 and 2022.\nPrimarily includes second-loss positions on lease-end residual value guarantees.\nIncludes business card unused lines of credit.\nOther Commitments\nOther Commitments\nAt December 31, 2023 and 2022, the Corporation had commitments to\npurchase loans (e.g., residential mortgage and commercial real estate) of\n$\n822\n million and $\n636\n million, which upon settlement will be included in\ntrading account assets, loans or LHFS, and commitments to purchase\ncommercial loans of $\n420\n million and $\n294\n million, which upon settlement\nwill be included in trading account assets.\nAt December 31, 2023 and 2022, the Corporation had commitments to\nenter into resale and forward-dated resale and securities borrowing\nagreements of $\n117.0\n billion and $\n92.0\n billion, and commitments to enter into\nforward-dated repurchase and securities lending agreements of $\n63.0\n billion\nand $\n57.8\n billion. A significant portion of these commitments will expire within\nthe next \n12\n months.\nAt December 31, 2023 and 2022, the Corporation had a commitment to\noriginate or purchase up to $\n4.0\n billion and $\n3.7\n billion on a rolling 12-month\nbasis, of auto loans and leases from a strategic partner. This commitment\nextends through November 2026 and can be terminated with \n12\n months prior\nnotice.\nAt December 31, 2023 and 2022, the Corporation had unfunded equity\ninvestment commitments of $\n477\n million and $\n571\n million.\nAs a Federal Reserve member bank, the Corporation is required to\nsubscribe to a certain amount of shares issued by its Federal Reserve district\nbank, which pays cumulative dividends at a prescribed rate. At both\nDecember 31, 2023 and 2022, the Corporation paid $\n5.4\n billion for half of its\nsubscribed shares, with the remaining half subject to call by the Federal\nReserve district bank board, which the Corporation believes is remote.\nOther Guarantees\nOther Guarantees\nBank-owned Life Insurance Book Value Protection\nBank-owned Life Insurance Book Value Protection\nThe Corporation sells products that offer book value protection to \ninsurance\ncarriers who offer group life insurance policies to corporations, primarily\nbanks. At December 31, 2023 and 2022, the notional amount of these\nguarantees totaled $\n3.8\n billion and $\n4.3\n billion. At December 31, 2023 and\n2022, the Corporation\u2019s maximum exposure related to these guarantees\ntotaled $\n577\n million and $\n632\n million, with estimated maturity dates between\n2033 and 2037.\nIndemnifications\nIndemnifications\nIn the ordinary course of business, the Corporation enters into various\nagreements that contain indemnifications, such as tax indemnifications,\nwhereupon payment may become due if certain external events occur, such as\na change in tax law. The indemnification clauses are often standard\ncontractual terms and were entered into in the normal course of business\nbased on an assessment that the risk of loss would be remote. These\nagreements typically contain an early termination clause that permits the\nCorporation to exit the agreement upon these events. The maximum potential\nfuture payment under indemnification agreements is difficult to assess for\nseveral reasons, including the occurrence of an external event, the inability to\npredict future changes in tax and other laws, the difficulty in determining how\nsuch laws would apply to parties in contracts, the absence of exposure limits\ncontained in standard contract language and the timing of any early\ntermination clauses. Historically, any payments made under these guarantees\nhave been de minimis. The Corporation has assessed the probability of\nmaking such payments in the future as remote.\n(1)\n(2)\n(3)\n(4)\n(1)\n(2)\n(3)\n(4)\n(1) \n(2) \n(3) \n(4) \nBank of America \n136\n136", "d9d19fbf-a7ed-4360-9602-05c70c2e6ac2": "Merchant Services\nMerchant Services\nThe Corporation in its role as merchant acquirer or as a sponsor of other\nmerchant acquirers may be held liable for any reversed charges that cannot be\ncollected from the merchants due to, among other things, merchant fraud or\ninsolvency. If charges are properly reversed after a purchase and cannot be\ncollected from either the merchants or merchant acquirers, the Corporation\nmay be held liable for these reversed charges. The ability to reverse a charge\nis primarily governed by the applicable payment network rules and regulations,\nwhich include, but are not limited to, the type of charge, type of payment used\nand time limits. The total amount of transactions subject to reversal under\npayment network rules and regulations processed for the preceding six-month\nperiod, which was approximately $\n395\n billion, is an estimate of the\nCorporation\u2019s maximum potential exposure as of December 31, 2023. The\nCorporation\u2019s risk in this area primarily relates to circumstances where a\ncardholder has purchased goods or services for future delivery. The\nCorporation mitigates this risk by requiring cash deposits, guarantees, letters\nof credit or other types of collateral from certain merchants. The Corporation\u2019s\nreserves for contingent losses, and the losses incurred related to the\nmerchant processing activity were not significant.\nExchange and Clearing House Member Guarantees\nExchange and Clearing House Member Guarantees\nThe Corporation is a member of various securities and derivative exchanges\nand clearinghouses, both in the U.S. and other countries. As a member, the\nCorporation may be required to pay a pro-rata share of the losses incurred by\nsome of these organizations as a result of another member default and under\nother loss scenarios. The Corporation\u2019s potential obligations may be limited to\nits membership interests in such exchanges and clearinghouses, to the\namount (or multiple) of the Corporation\u2019s contribution to the guarantee fund or,\nin limited instances, to the full pro-rata share of the residual losses after\napplying the guarantee fund. The Corporation\u2019s maximum potential exposure\nunder these membership agreements is difficult to estimate; however, the\nCorporation has assessed the probability of making any such payments as\nremote.\nPrime Brokerage and Securities Clearing Services\nPrime Brokerage and Securities Clearing Services\nIn connection with its prime brokerage and clearing businesses, the\nCorporation performs securities clearance and settlement services with other\nbrokerage firms and clearinghouses on behalf of its clients. Under these\narrangements, the Corporation stands ready to meet the obligations of its\nclients with respect to securities transactions. The Corporation\u2019s obligations in\nthis respect are secured by the assets in the clients\u2019 accounts and the\naccounts of their customers, as well as by any proceeds received from the\ntransactions cleared and settled by the Corporation on behalf of clients or their\ncustomers. The Corporation\u2019s maximum potential exposure under these\narrangements is difficult to estimate; however, the potential for the Corporation\nto incur material losses pursuant to these arrangements is remote.\nFixed Income Clearing Corporation Sponsored Member Repo\nFixed Income Clearing Corporation Sponsored Member Repo\nProgram\nProgram\nThe Corporation acts as a sponsoring member in a repo program whereby the\nCorporation clears certain eligible resale and repurchase agreements through\nthe Government Securities Division of the Fixed Income Clearing Corporation\non behalf of clients that are sponsored members in accordance with the Fixed\nIncome Clearing Corporation\u2019s rules. As part of this program, the Corporation\nguarantees the payment and\nperformance of its sponsored members to the Fixed Income Clearing\nCorporation. The Corporation\u2019s guarantee obligation is secured by a security\ninterest in cash or high-quality securities collateral placed by clients with the\nclearinghouse and therefore, the potential for the Corporation to incur\nsignificant losses under this arrangement is remote. The Corporation\u2019s\nmaximum potential exposure, without taking into consideration the related\ncollateral, was $\n132.5\n billion and $\n59.6\n billion at December 31, 2023 and\n2022.\nOther Guarantees\nOther Guarantees\nIn the normal course of business, the Corporation periodically guarantees the\nobligations of its affiliates in a variety of transactions including ISDA-related\ntransactions and non-ISDA related transactions such as commodities trading,\nrepurchase agreements, prime brokerage agreements and other\ntransactions.", "80a1c5e9-2e86-41ae-83bc-ddfde150fb5d": "As part of this program, the Corporation\nguarantees the payment and\nperformance of its sponsored members to the Fixed Income Clearing\nCorporation. The Corporation\u2019s guarantee obligation is secured by a security\ninterest in cash or high-quality securities collateral placed by clients with the\nclearinghouse and therefore, the potential for the Corporation to incur\nsignificant losses under this arrangement is remote. The Corporation\u2019s\nmaximum potential exposure, without taking into consideration the related\ncollateral, was $\n132.5\n billion and $\n59.6\n billion at December 31, 2023 and\n2022.\nOther Guarantees\nOther Guarantees\nIn the normal course of business, the Corporation periodically guarantees the\nobligations of its affiliates in a variety of transactions including ISDA-related\ntransactions and non-ISDA related transactions such as commodities trading,\nrepurchase agreements, prime brokerage agreements and other\ntransactions.\nGuarantees of Certain Long-term Debt\nGuarantees of Certain Long-term Debt\nThe Corporation, as the parent company, fully and unconditionally guarantees\nthe securities issued by BofA Finance LLC, a consolidated finance subsidiary\nof the Corporation, and effectively provides for the full and unconditional\nguarantee of trust securities and capital securities issued by certain statutory\ntrust companies that are \n100\n percent owned finance subsidiaries of the\nCorporation.\nRepresentations and Warranties Obligations and Corporate\nRepresentations and Warranties Obligations and Corporate\nGuarantees\nGuarantees\nThe Corporation securitizes first-lien residential mortgage loans generally in\nthe form of RMBS guaranteed by the GSEs or by GNMA in the case of FHA-\ninsured, VA-guaranteed and Rural Housing Service-guaranteed mortgage\nloans, and sells pools of first-lien residential mortgage loans in the form of\nwhole loans. In addition, in prior years, legacy companies and certain\nsubsidiaries sold pools of first-lien residential mortgage loans and home\nequity loans as private-label securitizations or in the form of whole loans. In\nconnection with these transactions, the Corporation or certain of its\nsubsidiaries or legacy companies make and have made various\nrepresentations and warranties. Breaches of these representations and\nwarranties have resulted in and may continue to result in the requirement to\nrepurchase mortgage loans or to otherwise make whole or provide\nindemnification or other remedies to sponsors, investors, securitization trusts,\nguarantors, insurers or other parties (collectively, repurchases).\nUnresolved Repurchase Claims\nUnresolved Repurchase Claims\nUnresolved representations and warranties repurchase claims represent the\nnotional amount of repurchase claims made by counterparties, typically the\noutstanding principal balance or the unpaid principal balance at the time of\ndefault. In the case of first-lien mortgages, the claim amount is often\nsignificantly greater than the expected loss amount due to the benefit of\ncollateral and, in some cases, mortgage insurance or mortgage guarantee\npayments.\nThe notional amount of unresolved repurchase claims at December 31,\n2023 and 2022 was $\n5.4\n billion and $\n5.5\n billion. These balances included\n$\n2.2\n billion at both December 31, 2023 and 2022 of claims related to loans in\nspecific private-label securitization groups or tranches where the Corporation\nowns substantially all of the outstanding securities or will otherwise realize the\nbenefit of any repurchase claims paid.\n137\n137\n \nBank of America", "6942ad46-6fe7-4a1c-a003-63a7143d65c5": "During 2023, the Corporation received $\n254\n million in new repurchase\nclaims that were not time-barred. During 2023, $\n269\n million in claims were\nresolved.\nReserve and Related Provision\nReserve and Related Provision\nThe reserve for representations and warranties obligations and corporate\nguarantees was $\n604\n million and $\n612\n million at December 31, 2023 and\n2022 and is included in accrued expenses and other liabilities on the\nConsolidated Balance Sheet, and the related provision is included in other\nincome in the Consolidated Statement of Income. The representations and\nwarranties reserve represents the Corporation\u2019s best estimate of probable\nincurred losses, is based on its experience in previous negotiations, and is\nsubject to judgment, a variety of assumptions and known or unknown\nuncertainties. Future representations and warranties losses may occur in\nexcess of the amounts recorded for these exposures; however, the\nCorporation does not expect such amounts to be material to the Corporation's\nfinancial condition and liquidity. See Litigation and Regulatory Matters below\nfor the Corporation's combined range of possible loss in excess of the reserve\nfor representations and warranties and the accrued liability for litigation.\nOther Contingencies\nOther Contingencies\nOn November 16, 2023, the Federal Deposit Insurance Corporation (FDIC)\nissued its final rule to impose a special assessment to recover the loss to the\nDeposit Insurance Fund (DIF) resulting from the closure of Silicon Valley Bank\nand Signature Bank. The special assessment is based on uninsured\ndeposits as of December 31, 2022, adjusted to exclude the first $5 billion.\nAccordingly, in the fourth quarter of 2023, the Corporation recorded noninterest\nexpense of $\n2.1\n billion in other general operating expenses for its estimated\nassessment amount. The FDIC will collect the special assessment over eight\nquarterly assessment periods. The special assessment is subject to change\nfor any updates made by the FDIC to the estimated loss to the DIF, or if the\nassessments collected from insured depository institutions change due to\namendments made to their uninsured deposits reported for the December 31,\n2022 period. In the event of any such change resulting in an increased\nassessment, the Corporation could recognize further expense in future\nperiods.\nLitigation and Regulatory Matters\nLitigation and Regulatory Matters\nIn the ordinary course of business, the Corporation and its subsidiaries are\nroutinely defendants in or parties to many pending and threatened legal,\nregulatory and governmental actions and proceedings. In view of the inherent\ndifficulty of predicting the outcome of such matters, particularly where the\nclaimants seek very large or indeterminate damages or where the matters\npresent novel legal theories or involve a large number of parties, the\nCorporation generally cannot predict the eventual outcome of the pending\nmatters, timing of the ultimate resolution of these matters, or eventual loss,\nfines or penalties related to each pending matter.\nAs a matter develops, the Corporation, in conjunction with any outside\ncounsel handling the matter, evaluates whether such matter presents a loss\ncontingency that is probable and estimable, and, for the matters below,\nwhether a loss in excess of any accrued liability is reasonably possible in\nfuture periods. Once the loss contingency is deemed to be both probable and\nestimable, the Corporation will establish an accrued liability and record a\ncorresponding amount of litigation-related expense. The Corporation\ncontinues to monitor the matter for further developments that could affect the\namount of the accrued\nliability that has been previously established. Excluding expenses of internal\nand external legal service providers, litigation and regulatory investigation-\nrelated expense of $\n519\n million and $\n1.2\n billion was recognized in 2023 and\n2022.\nFor any matter disclosed in this Note for which a loss in future periods is\nreasonably possible and estimable (whether in excess of an accrued liability\nor where there is no accrued liability) and for representations and warranties\nexposures, the Corporation\u2019s estimated range of possible loss is $\n0\n to $\n0.8\nbillion in excess of the accrued liability, if any, as of December 31, 2023.\nThe accrued liability and estimated range of possible loss are based upon\ncurrently available information and subject to significant judgment, a variety of\nassumptions and known and unknown uncertainties. The matters underlying\nthe accrued liability and estimated range of possible loss are unpredictable\nand may change from time to time, and actual losses may vary significantly\nfrom the current estimate and accrual. The estimated range of possible loss\ndoes not represent the Corporation\u2019s maximum loss exposure.", "264bc2d5-2439-45c2-a772-aebcbbe8e712": "For any matter disclosed in this Note for which a loss in future periods is\nreasonably possible and estimable (whether in excess of an accrued liability\nor where there is no accrued liability) and for representations and warranties\nexposures, the Corporation\u2019s estimated range of possible loss is $\n0\n to $\n0.8\nbillion in excess of the accrued liability, if any, as of December 31, 2023.\nThe accrued liability and estimated range of possible loss are based upon\ncurrently available information and subject to significant judgment, a variety of\nassumptions and known and unknown uncertainties. The matters underlying\nthe accrued liability and estimated range of possible loss are unpredictable\nand may change from time to time, and actual losses may vary significantly\nfrom the current estimate and accrual. The estimated range of possible loss\ndoes not represent the Corporation\u2019s maximum loss exposure.\nInformation is provided below regarding the nature of the litigation and,\nwhere specified, associated claimed damages. Based on current knowledge,\nand taking into account accrued liabilities, management does not believe that\nloss contingencies arising from pending matters, including the matters\ndescribed below will have a material adverse effect on the consolidated\nfinancial condition or liquidity of the Corporation. However, in light of the\nsignificant judgment, variety of assumptions and uncertainties involved in\nthose matters, some of which are beyond the Corporation\u2019s control, and the\nvery large or indeterminate damages sought in some of those matters, an\nadverse outcome in one or more of those matters could be material to the\nCorporation\u2019s business or results of operations for any particular reporting\nperiod, or cause significant reputational harm.\nDeposit Insurance Assessment\nDeposit Insurance Assessment\nOn January 9, 2017, the FDIC filed suit against BANA in the U.S. District Court\nfor the District of Columbia (District Court) alleging failure to pay a December\n15, 2016 invoice for additional deposit insurance assessments and interest in\nthe amount of $\n542\n million for the quarters ending June 30, 2013 through\nDecember 31, 2014. On April 7, 2017, the FDIC amended its complaint to add\na claim for additional deposit insurance and interest in the amount of\n$\n583\n million for the quarters ending March 31, 2012 through March 31, 2013.\nThe FDIC asserts these claims based on BANA\u2019s alleged underreporting of\ncounterparty exposures that resulted in underpayment of assessments for\nthose quarters, and its Enforcement Section is also conducting a parallel\ninvestigation related to the same alleged reporting error. BANA disagrees with\nthe FDIC\u2019s interpretation of the regulations as they existed during the relevant\ntime period and is defending itself against the FDIC\u2019s claims. Pending final\nresolution, BANA has pledged security satisfactory to the FDIC related to the\ndisputed additional assessment amounts. On March 27, 2018, the District\nCourt denied BANA\u2019s partial motion to dismiss certain of the FDIC\u2019s claims.\nOn April 10, 2023, the magistrate judge issued a report and\nrecommendation (Report) for resolving the parties\u2019 pending summary\njudgment motions. The Report recommends granting the FDIC\u2019s motion for\nsummary judgment on BANA\u2019s statutory liability for the unpaid assessments,\nsubject to BANA\u2019s statute of limitations defenses to assessments for the\nquarters ended March 31, 2012 through March 31, 2013, on which the Report\nBank of America \n138\n138", "6e3a7786-bd16-4530-b98b-af99d300b48c": "recommends that relevant issues should be resolved at trial. The Report also\nrecommends denying BANA\u2019s counterclaims challenging the adoption of the\nrelevant assessment regulations and granting BANA\u2019s motion for summary\njudgment on the FDIC\u2019s claims for unjust enrichment and disgorgement. The\nReport has been submitted to the District Court judge for consideration, and\nthe parties have filed objections to the recommendations in the Report.\nLIBOR\nLIBOR\nThe Corporation, BANA and certain Merrill Lynch entities have been named as\ndefendants along with most of the other LIBOR panel banks in a number of\nindividual and putative class actions by persons alleging that they sustained\nlosses on U.S. dollar LIBOR-based financial instruments as a result of\ncollusion or manipulation by defendants regarding the setting of U.S. dollar\nLIBOR. Plaintiffs assert a variety of claims, including antitrust, Commodity\nExchange Act, Racketeer Influenced and Corrupt Organizations (RICO),\nSecurities Exchange Act of 1934, common law fraud and breach of contract\nclaims, and seek compensatory, treble and punitive damages, and injunctive\nrelief. All but one of the cases naming the Corporation and its affiliates relating\nto U.S. dollar LIBOR are pending in the U.S. District Court for the Southern\nDistrict of New York (District Court). The District Court has dismissed all RICO\nclaims, and dismissed all manipulation claims against Bank of America\nentities based on alleged trader conduct. The District Court has also\nsubstantially limited the scope of antitrust, Commodity Exchange Act and\nvarious other claims, including by dismissing in \ntheir \nentirety \ncertain \nindividual\nand putative class plaintiffs\u2019\nantitrust claims for lack of standing. On December 30, 2021, the U.S. Court of\nAppeals for the Second Circuit affirmed the dismissal of these antitrust claims\nfor lack of standing. Certain individual and putative class actions remain\npending against the Corporation, BANA and certain Merrill Lynch entities. On\nFebruary 28, 2018, the District Court granted certification of a class of persons\nthat purchased OTC swaps and notes that referenced U.S. dollar LIBOR from\none of the U.S. dollar LIBOR panel banks, limited to claims under Section 1 of\nthe Sherman Act.\nUnemployment Insurance Prepaid Cards\nUnemployment Insurance Prepaid Cards\nBANA has been named as a defendant in a number of putative class action,\nmass action, and individual lawsuits in multiple states related to its\nadministration of prepaid debit cards to distribute unemployment and other\nstate benefits. These lawsuits generally assert claims for monetary damages\nand injunctive relief.\nClass action and mass action lawsuits related to the California program,\nthe largest program administered by BANA measured by total benefits and\nnumber of participants, have been consolidated into a multidistrict litigation\n(MDL) in the U.S. District Court for the Southern District of California. \nOn May\n25, 2023, the court dismissed certain of the claims in the MDL while allowing\nothers to proceed, and plaintiffs subsequently filed an amended complaint.\nBANA filed a partial motion to dismiss certain of the remaining claims in the\namended complaint in the MDL, which is currently pending.\n139\n139\n \nBank of America", "34fceaea-af99-4777-baf4-825d9a26a386": "NOTE 13 \nNOTE 13 \nShareholders\u2019 Equity\nShareholders\u2019 Equity\nCommon Stock\nCommon Stock\nDeclared Quarterly Cash Dividends on Common Stock \nDeclared Quarterly Cash Dividends on Common Stock \nDeclaration Date\nDeclaration Date\nRecord Date\nRecord Date\nPayment Date\nPayment Date\nDividend Per\nDividend Per\nShare\nShare\nJanuary 31, 2024\nMarch 1, 2024\nMarch 29, 2024\n$\n0.24\n \nOctober 18, 2023\nDecember 1, 2023\nDecember 29, 2023\n0.24\n \nJuly 19, 2023\nSeptember 1, 2023\nSeptember 29, 2023\n0.24\n \nApril 26, 2023\nJune 2, 2023\nJune 30, 2023\n0.22\n \nFebruary 1, 2023\nMarch 3, 2023\nMarch 31, 2023\n0.22\n \nIn 2023, and through February 20, 2024.\nThe cash dividends paid per share of common stock were $\n0.92\n $\n0.86\n and\n$\n0.78\n for 2023, 2022 and 2021, respectively.\nThe table below summarizes common stock repurchases during 2023,\n2022 and 2021.\nCommon Stock Repurchase Summary\nCommon Stock Repurchase Summary\n(in millions)\n2023\n2023\n2022\n2021\nTotal share repurchases, including CCAR capital plan\nrepurchases\n147\n \n126\n \n615\n \nPurchase price of shares repurchased and retired \n$\n4,576\n \n$\n5,073\n \n$\n25,126\n \nConsists of repurchases pursuant to the Corporation\u2019s CCAR capital plans.\nDuring 2023, in connection with employee stock plans, the Corporation\nissued \n75\n million shares of its common stock and, to satisfy tax withholding\nobligations, repurchased \n30\n million shares of common stock. At\nDecember 31, 2023, the Corporation had reserved \n497\n million unissued\nshares of common stock for future issuances under employee stock plans,\nconvertible notes and preferred stock.\nPreferred Stock\nPreferred Stock\nThe cash dividends declared on preferred stock were $\n1.6\n billion in both 2023\nand 2022 and $\n1.4\n billion in 2021.\nAll series of preferred stock in the Preferred Stock Summary table have a\npar value of $\n0.01\n per share, are not subject to the operation of a sinking fund,\nhave no participation rights, and with the exception of the Series L Preferred\nStock, are not convertible. The holders of the Series B Preferred Stock and\nSeries 1 through 5 Preferred Stock have general voting rights and vote together\nwith the common stock. The holders of the other series included in the table\nhave no general voting rights. All outstanding series of preferred stock of the\nCorporation have preference over the Corporation\u2019s common stock with\nrespect to the payment of dividends and distribution of the Corporation\u2019s\nassets in the event of a liquidation or dissolution. With the exception of the\nSeries B, F and G Preferred Stock, if any dividend payable on these series is in\narrears for \nthree\n or more semi-annual or \nsix\n or more quarterly dividend\nperiods, as applicable (whether consecutive or not), the holders of these\nseries and any other class or series of preferred stock ranking equally as to\npayment of dividends and upon which equivalent voting rights have been\nconferred and are exercisable (voting as a single class) will be entitled to vote\nfor the election of \ntwo\n additional directors. These voting rights terminate when\nthe Corporation has paid in full dividends on these series for at least \ntwo\nsemi-annual or \nfour\n quarterly dividend periods, as applicable, following the\ndividend arrearage.\nThe \n7.25\n% Non-Cumulative Perpetual Convertible Preferred Stock, Series\nL (Series L Preferred Stock) does not have early redemption/call rights. Each\nshare of the Series L Preferred Stock may be converted at any time, at the\noption of the holder, into \n20\n shares of the Corporation\u2019s common stock plus\ncash in lieu of fractional shares.", "595ac993-5ae8-498a-b659-385a522ea65d": "These voting rights terminate when\nthe Corporation has paid in full dividends on these series for at least \ntwo\nsemi-annual or \nfour\n quarterly dividend periods, as applicable, following the\ndividend arrearage.\nThe \n7.25\n% Non-Cumulative Perpetual Convertible Preferred Stock, Series\nL (Series L Preferred Stock) does not have early redemption/call rights. Each\nshare of the Series L Preferred Stock may be converted at any time, at the\noption of the holder, into \n20\n shares of the Corporation\u2019s common stock plus\ncash in lieu of fractional shares. The Corporation may cause some or all of the\nSeries L Preferred Stock, at its option, at any time or from time to time, to be\nconverted into shares of common stock at the then-applicable conversion rate\nif, for \n20\n trading days during any period of \n30\n consecutive trading days, the\nclosing price of common stock exceeds \n130\n percent of the then-applicable\nconversion price of the Series L Preferred Stock. If a conversion of Series L\nPreferred Stock occurs at the option of the holder, subsequent to a dividend\nrecord date but prior to the dividend payment date, the Corporation will still pay\nany accrued dividends payable.\n(1)\n(1)\n(1) \n(1)\n(1) \nBank of America \n140\n140", "61145857-43a4-4775-8d43-45daabaf1c64": "The table below presents a summary of perpetual preferred stock outstanding at December 31, 2023.\nPreferred Stock Summary\nPreferred Stock Summary\n(Dollars in millions, except as noted)\nSeries\nSeries\nDescription\nDescription\nInitial\nInitial\nIssuance\nIssuance\nDate\nDate\nTotal\nTotal\nShares\nShares\nOutstanding\nOutstanding\nLiquidation\nLiquidation\nPreference\nPreference\nper Share\nper Share\n(in dollars)\n(in dollars)\nCarrying\nCarrying\nValue\nValue\nPer Annum\nPer Annum\nDividend Rate\nDividend Rate\nDividend per\nDividend per\nShare\nShare\n(in dollars)\n(in dollars)\nAnnual\nAnnual\nDividend\nDividend\nRedemption Period \nRedemption Period \nSeries B\n \n7.000\n% Cumulative Redeemable\nJune\n1997\n7,076\n \n$\n100\n \n$\n1\n \n7.00\n \n%\n$\n7\n \n$\n\u2014\n \nn/a\nSeries E\nFloating Rate Non-Cumulative\nNovember\n2006\n12,317\n \n25,000\n \n308\n \n3-mo. CME Term SOFR + \n61.161\n bps\n1.38\n \n17\n \nOn or after\nNovember 15, 2011\nSeries F\nFloating Rate Non-Cumulative\nMarch\n2012\n1,409\n \n100,000\n \n141\n \n3-mo. CME Term SOFR + \n66.161\n bps\n5,693.77\n \n8\n \nOn or after\nMarch 15, 2012\nSeries G\nAdjustable Rate Non-Cumulative\nMarch\n2012\n4,925\n \n100,000\n \n492\n \n3-mo. CME Term SOFR + \n66.161\n bps\n5,693.77\n \n28\n \nOn or after\nMarch 15, 2012\nSeries L\n7.25\n% Non-Cumulative Perpetual\nConvertible\nJanuary\n2008\n3,080,182\n \n1,000\n \n3,080\n \n7.25\n \n%\n72.50\n \n223\n \nn/a\nSeries U \nFixed-to-Floating Rate Non-\nCumulative\nMay\n2013\n40,000\n \n25,000\n \n1,000\n \n5.2\n% to, but excluding, 6/1/23;3-mo.\nCME Term SOFR + \n339.661\n bps\nthereafter \n70.32\n \n70\n \nOn or after\nJune 1, 2023\nSeries X \nFixed-to-Floating Rate Non-\nCumulative\nSeptember\n2014\n80,000\n \n25,000\n \n2,000\n \n6.250\n% to, but excluding, 9/5/24; 3-mo.\nCME Term SOFR + \n396.661\n bps\nthereafter \n62.50\n \n125\n \nOn or after\nSeptember 5, 2024\nSeries Z \nFixed-to-Floating Rate Non-\nCumulative\nOctober\n2014\n56,000\n \n25,000\n \n1,400\n \n6.500\n% to, but excluding, 10/23/24; 3-\nmo. CME Term SOFR + \n443.561\n bps\nthereafter \n65.00\n \n91\n \nOn or after\nOctober 23, 2024\nSeries AA \nFixed-to-Floating Rate Non-\nCumulative\nMarch\n2015\n76,000\n \n25,000\n \n1,900\n \n6.100\n% to, but excluding, 3/17/25; 3-mo.\nCME Term SOFR + \n415.961\n bps\nthereafter \n61.00\n \n116\n \nOn or after\nMarch 17, 2025\nSeries DD\nFixed-to-Floating Rate Non-\nCumulative\nMarch\n2016\n40,000\n \n25,000\n \n1,000\n \n6.300\n% to, but excluding, 3/10/26; 3-mo.\nCME Term SOFR + \n481.461\n bps\nthereafter \n63.00\n \n63\n \nOn or after\nMarch 10, 2026\nSeries FF\nFixed-to-Floating Rate Non-\nCumulative\nMarch\n2018\n90,833\n \n25,000\n \n2,271\n \n5.875\n% to, but excluding, 3/15/28; 3-mo.", "64b50dca-3f96-4208-be5d-4fec4ef66184": "CME Term SOFR + \n415.961\n bps\nthereafter \n61.00\n \n116\n \nOn or after\nMarch 17, 2025\nSeries DD\nFixed-to-Floating Rate Non-\nCumulative\nMarch\n2016\n40,000\n \n25,000\n \n1,000\n \n6.300\n% to, but excluding, 3/10/26; 3-mo.\nCME Term SOFR + \n481.461\n bps\nthereafter \n63.00\n \n63\n \nOn or after\nMarch 10, 2026\nSeries FF\nFixed-to-Floating Rate Non-\nCumulative\nMarch\n2018\n90,833\n \n25,000\n \n2,271\n \n5.875\n% to, but excluding, 3/15/28; 3-mo.\nCME Term SOFR + \n319.261\n bps\nthereafter \n58.75\n \n133\n \nOn or after\nMarch 15, 2028\nSeries GG \n6.000\n% Non-Cumulative\nMay\n2018\n54,000\n \n25,000\n \n1,350\n \n6.000\n \n%\n1.50\n \n81\n \nOn or after\nMay 16, 2023\nSeries HH \n5.875\n% Non-Cumulative\nJuly\n2018\n34,049\n \n25,000\n \n851\n \n5.875\n \n%\n1.47\n \n50\n \nOn or after\nJuly 24, 2023\nSeries JJ \nFixed-to-Floating Rate Non-\nCumulative\nJune\n2019\n34,171\n \n25,000\n \n854\n \n5.125\n% to, but excluding, 6/20/24; 3-mo.\nCME Term SOFR + \n355.361\n bps\nthereafter \n51.25\n \n44\n \nOn or after\nJune 20, 2024\nSeries KK \n5.375\n% Non-Cumulative\nJune\n2019\n55,273\n \n25,000\n \n1,382\n \n5.375\n \n%\n1.34\n \n74\n \nOn or after\nJune 25, 2024\nSeries LL \n5.000\n% Non-Cumulative\nSeptember\n2019\n52,045\n \n25,000\n \n1,301\n \n5.000\n \n%\n1.25\n \n65\n \nOn or after\nSeptember 17, 2024\nSeries MM\nFixed-to-Floating Rate Non-\nCumulative\nJanuary\n2020\n30,753\n \n25,000\n \n769\n \n4.300\n% to, but excluding, 1/28/25; 3-mo.\nCME Term SOFR + \n292.561\n bps\nthereafter \n43.00\n \n33\n \nOn or after\nJanuary 28, 2025\nSeries NN\n4.375\n% Non-Cumulative\nOctober\n2020\n42,993\n \n25,000\n \n1,075\n \n4.375\n \n%\n1.09\n \n47\n \nOn or after\nNovember 3, 2025\nSeries PP \n4.125\n% Non-Cumulative\nJanuary 2021\n36,500\n \n25,000\n \n912\n \n4.125\n \n%\n1.03\n \n38\n \nOn or after\nFebruary 2, 2026\nSeries QQ \n4.250\n% Non-Cumulative\nOctober 2021\n51,879\n \n25,000\n \n1,297\n \n4.250\n \n%\n1.06\n \n55\n \nOn or after\nNovember 17, 2026\nSeries RR \n4.375\n% Fixed-Rate Reset Non-\nCumulative\nJanuary 2022\n66,738\n \n25,000\n \n1,668\n \n4.375\n% to, but excluding 1/27/27; 5-yr\nU.S. Treasury Rate + \n276\n bps thereafter\n43.75\n \n73\n \nOn or after\nJanuary 27, 2027\nSeries SS\n4.750\n% Non-Cumulative\nJanuary 2022\n27,463\n \n25,000\n \n687\n \n4.750\n \n%\n1.19\n \n33\n \nOn or after\nFebruary 17, 2027\nSeries TT \n6.125\n% Fixed-Rate Reset Non-\nCumulative\nApril 2022\n80,000\n \n25,000\n \n2,000\n \n6.125\n% to, but excluding, 4/27/27; 5-yr\nU.S.", "e6b0d236-d93e-4561-838e-886dda3fcd65": "Treasury Rate + \n276\n bps thereafter\n43.75\n \n73\n \nOn or after\nJanuary 27, 2027\nSeries SS\n4.750\n% Non-Cumulative\nJanuary 2022\n27,463\n \n25,000\n \n687\n \n4.750\n \n%\n1.19\n \n33\n \nOn or after\nFebruary 17, 2027\nSeries TT \n6.125\n% Fixed-Rate Reset Non-\nCumulative\nApril 2022\n80,000\n \n25,000\n \n2,000\n \n6.125\n% to, but excluding, 4/27/27; 5-yr\nU.S. Treasury Rate + \n323.1\n bps\nthereafter\n61.25\n \n122\n \nOn or after\nApril 27, 2027\nSeries 1 \nFloating Rate Non-Cumulative\nNovember\n2004\n3,185\n \n30,000\n \n96\n \n3-mo. CME Term SOFR + \n101.161\n bps\n1.49\n \n6\n \nOn or after\nNovember 28, 2009\nSeries 2\nFloating Rate Non-Cumulative\nMarch\n2005\n9,967\n \n30,000\n \n299\n \n3-mo. CME Term SOFR + \n91.161\n bps\n1.48\n \n18\n \nOn or after\nNovember 28, 2009\nSeries 4\nFloating Rate Non-Cumulative\nNovember\n2005\n7,010\n \n30,000\n \n210\n \n3-mo. CME Term SOFR + \n101.161\n bps\n1.51\n \n13\n \nOn or after\nNovember 28, 2010\nSeries 5 \nFloating Rate Non-Cumulative\nMarch\n2007\n13,331\n \n30,000\n \n400\n \n3-mo. CME Term SOFR + \n76.161\n bps\n1.43\n \n23\n \nOn or after\nMay 21, 2012\nIssuance costs and certain adjustments\n(\n347\n)\nTotal\nTotal\n \n \n4,088,099\n4,088,099\n \n \n$\n$\n28,397\n28,397\n \n \n \nFor all series of preferred stock other than Series B, Series F, Series G and Series L, \u201cDividend per Share\u201d means the amount of dividends per depositary share of such series.\nThe Corporation may redeem series of preferred stock on or after the redemption date, in whole or in part, at its option, at the liquidation preference plus declared and unpaid dividends. Series B and Series L Preferred Stock do not have early redemption/call rights.\nOwnership is held in the form of depositary shares, each representing a 1/1,000th interest in a share of preferred stock, paying a quarterly cash dividend, if and when declared.\nSubject to \n4.00\n% minimum rate per annum.\nThe number of basis points to be added to 3-mo. Term SOFR is equal to the original basis point spread applicable to floating rate periods when the preferred stock was originally issued, plus a tenor spread adjustment of \n26.161\n bps relating to the transition from\n3-mo. LIBOR to 3-mo. Term SOFR.\nSolely for the dividend period commencing 6/1/23, the per annum dividend rate for the Series U Preferred Stock was determined by reference to 3-mo. LIBOR + \n313.5\n bps.\nOwnership is held in the form of depositary shares, each representing a 1/25th interest in a share of preferred stock, paying a semi-annual cash dividend, if and when declared, until the first redemption date at which time, it adjusts to a quarterly cash dividend, if\nand when declared, thereafter.\nOwnership is held in the form of depositary shares, each representing a 1/25th interest in a share of preferred stock, paying a quarterly cash dividend, if and when declared.\nOwnership is held in the form of depositary shares, each representing a 1/1,200th interest in a share of preferred stock, paying a quarterly cash dividend, if and when declared.\nSubject to \n3.00\n% minimum rate per annum.", "dd31b6a9-c723-4d1c-b335-e210f4d92e22": "LIBOR + \n313.5\n bps.\nOwnership is held in the form of depositary shares, each representing a 1/25th interest in a share of preferred stock, paying a semi-annual cash dividend, if and when declared, until the first redemption date at which time, it adjusts to a quarterly cash dividend, if\nand when declared, thereafter.\nOwnership is held in the form of depositary shares, each representing a 1/25th interest in a share of preferred stock, paying a quarterly cash dividend, if and when declared.\nOwnership is held in the form of depositary shares, each representing a 1/1,200th interest in a share of preferred stock, paying a quarterly cash dividend, if and when declared.\nSubject to \n3.00\n% minimum rate per annum.\nn/a = not applicable\n(1)\n(1)\n(2)\n(2)\n (3)\n(4)(5)\n(4)(5)\n(4)(5)\n(7)\n(5)(6)\n(7)\n(5)\n(7)\n(5)\n(7)\n(5)\n (7)\n(5)\n (7)\n(5)\n(3)\n(3)\n(7)\n(5)\n(3)\n(3)\n (7)\n(5)\n (3)\n(3)\n(3)\n(8)\n (3)\n(8)\n(9)\n(5)(10)\n (9)\n(5)(10)\n (9)\n(4)(5)\n(9)\n(4)(5)\n(1)\n(2)\n(3)\n(4)\n(5)\n(6)\n(7)\n(8)\n(9)\n(10)\n141\n141\n \nBank of America", "4a5ecd43-acc0-4c5c-832a-e6770101d486": "NOTE 14\nNOTE 14\n \n \nAccumulated Other Comprehensive Income (Loss)\nAccumulated Other Comprehensive Income (Loss)\nThe table below presents the changes in accumulated OCI after-tax for 2023, 2022 and 2021.\n(Dollars in millions)\nDebt Securities\nDebt Securities\nDebit Valuation\nDebit Valuation\nAdjustments\nAdjustments\nDerivatives\nDerivatives\nEmployee\nEmployee\nBenefit Plans\nBenefit Plans\nForeign\nForeign\nCurrency\nCurrency\nTotal\nTotal\nBalance, December 31, 2020\nBalance, December 31, 2020\n$\n5,122\n \n$\n(\n1,992\n)\n$\n426\n \n$\n(\n4,266\n)\n$\n(\n946\n)\n$\n(\n1,656\n)\nNet change\n(\n2,077\n)\n356\n \n(\n2,306\n)\n624\n \n(\n45\n)\n(\n3,448\n)\nBalance, December 31, 2021\nBalance, December 31, 2021\n$\n3,045\n \n$\n(\n1,636\n)\n$\n(\n1,880\n)\n$\n(\n3,642\n)\n$\n(\n991\n)\n$\n(\n5,104\n)\nNet change\n(\n6,028\n)\n755\n \n(\n10,055\n)\n(\n667\n)\n(\n57\n)\n(\n16,052\n)\nBalance, December 31, 2022\nBalance, December 31, 2022\n$\n(\n2,983\n)\n$\n(\n881\n)\n$\n(\n11,935\n)\n$\n(\n4,309\n)\n$\n(\n1,048\n)\n$\n(\n21,156\n)\nNet change\n573\n573\n \n(\n(\n686\n686\n)\n)\n3,919\n3,919\n \n(\n(\n439\n439\n)\n)\n1\n1\n \n3,368\n3,368\n \nBalance, December 31, 2023\nBalance, December 31, 2023\n$\n$\n(\n(\n2,410\n2,410\n)\n)\n$\n$\n(\n(\n1,567\n1,567\n)\n)\n$\n$\n(\n(\n8,016\n8,016\n)\n)\n$\n$\n(\n(\n4,748\n4,748\n)\n)\n$\n$\n(\n(\n1,047\n1,047\n)\n)\n$\n$\n(\n(\n17,788\n17,788\n)\n)\nThe table below presents the net change in fair value recorded in accumulated OCI, net realized gains and losses reclassified into earnings and other\nchanges for each component of OCI pre- and after-tax for 2023, 2022 and 2021.\nPretax\nPretax\nTax \nTax \neffect\neffect\nAfter-\nAfter-\ntax\ntax\nPretax\nTax \neffect\nAfter-\ntax\nPretax\nTax effect\nAfter-\ntax\n(Dollars in millions)\n2023\n2023\n2022\n2021\nDebt securities:\nDebt securities:\nNet increase (decrease) in fair value\n$\n$\n348\n348\n \n$\n$\n(\n(\n79\n79\n)\n)\n$\n$\n269\n269\n \n$\n(\n7,995\n)\n$\n1,991\n \n$\n(\n6,004\n)\n$\n(\n2,749\n)\n$\n689\n \n$\n(\n2,060\n)\nNet realized (gains) losses reclassified into earnings \n405\n405\n \n(\n(\n101\n101\n)\n)\n304\n304\n \n(\n32\n)\n8\n \n(\n24\n)\n(\n22\n)\n5\n \n(\n17\n)\nNet change\nNet change\n753\n753\n \n(\n(\n180\n180\n)\n)\n573\n573\n \n(\n8,027\n)\n1,999\n \n(\n6,028\n)\n(\n2,771\n)\n694\n \n(\n2,077\n)\nDebit valuation adjustments:\nDebit valuation adjustments:\nNet increase (decrease) in fair value\n(\n(\n917\n917\n)\n)\n223\n223\n \n(\n(\n694\n694\n)\n)\n980\n \n(\n237\n)\n743\n \n449\n \n(\n103\n)\n346\n \nNet realized (gains) losses reclassified into earnings \n11\n11\n \n(\n(\n3\n3\n)\n)\n8\n8\n \n16\n \n(\n4\n)\n12\n \n13\n \n(\n3\n)\n10\n \nNet change\nNet change\n(\n(\n906\n906\n)\n)\n220\n220\n \n(\n(\n686\n686\n)\n)\n996\n \n(\n241\n)\n755\n \n462\n \n(\n106\n)\n356\n \nDerivatives:\nDerivatives:\nNet increase (decrease) in fair value\n2,064\n2,064\n \n(\n(\n514\n514\n)\n)\n1,550\n1,550\n \n(\n13,711\n)\n3,430\n \n(\n10,281\n)\n(\n2,", "e1970f2b-80be-4059-9f5b-fa1d2979f6b1": "064\n2,064\n \n(\n(\n514\n514\n)\n)\n1,550\n1,550\n \n(\n13,711\n)\n3,430\n \n(\n10,281\n)\n(\n2,849\n)\n703\n \n(\n2,146\n)\nReclassifications into earnings:\nNet interest income\n1,153\n1,153\n \n(\n(\n288\n288\n)\n)\n865\n865\n \n332\n \n(\n84\n)\n248\n \n(\n166\n)\n48\n \n(\n118\n)\nMarket making and similar activities\n2,031\n2,031\n \n(\n(\n508\n508\n)\n)\n1,523\n1,523\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \nCompensation and benefits expense\n(\n(\n25\n25\n)\n)\n6\n6\n \n(\n(\n19\n19\n)\n)\n(\n29\n)\n7\n \n(\n22\n)\n(\n55\n)\n13\n \n(\n42\n)\nNet realized (gains) losses reclassified into earnings\n3,159\n3,159\n \n(\n(\n790\n790\n)\n)\n2,369\n2,369\n \n303\n \n(\n77\n)\n226\n \n(\n221\n)\n61\n \n(\n160\n)\nNet change\nNet change\n5,223\n5,223\n \n(\n(\n1,304\n1,304\n)\n)\n3,919\n3,919\n \n(\n13,408\n)\n3,353\n \n(\n10,055\n)\n(\n3,070\n)\n764\n \n(\n2,306\n)\nEmployee benefit plans:\nEmployee benefit plans:\nNet increase (decrease) in fair value\n(\n(\n642\n642\n)\n)\n162\n162\n \n(\n(\n480\n480\n)\n)\n(\n1,103\n)\n276\n \n(\n827\n)\n463\n \n(\n72\n)\n391\n \nNet actuarial losses and other reclassified into earnings \n56\n56\n \n(\n(\n16\n16\n)\n)\n40\n40\n \n198\n \n(\n49\n)\n149\n \n295\n \n(\n67\n)\n228\n \nSettlements, curtailments and other\n1\n1\n \n\u2014\n\u2014\n \n1\n1\n \n11\n \n\u2014\n \n11\n \n5\n \n\u2014\n \n5\n \nNet change\nNet change\n(\n(\n585\n585\n)\n)\n146\n146\n \n(\n(\n439\n439\n)\n)\n(\n894\n)\n227\n \n(\n667\n)\n763\n \n(\n139\n)\n624\n \nForeign currency:\nForeign currency:\nNet increase (decrease) in fair value\n(\n(\n177\n177\n)\n)\n192\n192\n \n15\n15\n \n332\n \n(\n390\n)\n(\n58\n)\n296\n \n(\n341\n)\n(\n45\n)\nNet realized (gains) losses reclassified into earnings \n(\n(\n48\n48\n)\n)\n34\n34\n \n(\n(\n14\n14\n)\n)\n\u2014\n \n1\n \n1\n \n(\n5\n)\n5\n \n\u2014\n \nNet change\nNet change\n(\n(\n225\n225\n)\n)\n226\n226\n \n1\n1\n \n332\n \n(\n389\n)\n(\n57\n)\n291\n \n(\n336\n)\n(\n45\n)\nTotal other comprehensive income (loss)\nTotal other comprehensive income (loss)\n$\n$\n4,260\n4,260\n \n$\n$\n(\n(\n892\n892\n)\n)\n$\n$\n3,368\n3,368\n \n$\n(\n21,001\n)\n$\n4,949\n \n$\n(\n16,052\n)\n$\n(\n4,325\n)\n$\n877\n \n$\n(\n3,448\n)\nReclassifications of pretax debt securities, DVA and foreign currency (gains) losses are recorded in other income in the Consolidated Statement of Income.\nReclassifications of pretax employee benefit plan costs are recorded in other general operating expense in the Consolidated Statement of Income.\n(1)\n(1)\n(2)\n(1)\n(1) \n(2) \nBank of America \n142\n142", "095fa98f-3cf3-4596-861b-2072173a4afb": "NOTE 15 \nNOTE 15 \nEarnings Per Common Share\nEarnings Per Common Share\nThe calculation of EPS and diluted EPS for 2023, 2022 and 2021\n \nis presented below. For more information on the calculation of EPS, see \nNote 1 \u2013 Summary of\nSignificant Accounting Principles.\n(In millions, except per share information)\n2023\n2023\n2022\n2021\nEarnings per common share\nEarnings per common share\n \n \nNet income\nNet income\n$\n$\n26,515\n26,515\n \n$\n27,528\n \n$\n31,978\n \nPreferred stock dividends and other\n(\n(\n1,649\n1,649\n)\n)\n(\n1,513\n)\n(\n1,421\n)\nNet income applicable to common shareholders\n$\n$\n24,866\n24,866\n \n$\n26,015\n \n$\n30,557\n \nAverage common shares issued and outstanding\n8,028.6\n \n8,113.7\n \n8,493.3\n \nEarnings per common share\nEarnings per common share\n$\n3.10\n \n$\n3.21\n \n$\n3.60\n \nDiluted earnings per common share\nDiluted earnings per common share\n \n \nNet income applicable to common shareholders\n$\n$\n24,866\n24,866\n \n$\n26,015\n \n$\n30,557\n \nAverage common shares issued and outstanding\n8,028.6\n8,028.6\n \n8,113.7\n \n8,493.3\n \nDilutive potential common shares \n51.9\n51.9\n \n53.8\n \n65.1\n \nTotal diluted average common shares issued and outstanding\n8,080.5\n \n8,167.5\n \n8,558.4\n \nDiluted earnings per common share\nDiluted earnings per common share\n$\n3.08\n \n$\n3.19\n \n$\n3.57\n \nIncludes incremental dilutive shares from preferred stock, restricted stock units, restricted stock and warrants.\nFor 2023, 2022 and 2021, \n62\n million average dilutive potential common\nshares associated with the Series L preferred stock were not included in the\ndiluted share count because the result would have been antidilutive under the\n\u201cif-converted\u201d method.\nNOTE 16 \nNOTE 16 \nRegulatory Requirements and\nRegulatory Requirements and\n \n \nRestrictions\nRestrictions\nThe Federal Reserve, Office of the Comptroller of the Currency (OCC) and\nFDIC (collectively, U.S. banking regulators) jointly establish regulatory capital\nadequacy rules, including Basel 3, for U.S. banking organizations. As a\nfinancial holding company, the Corporation is subject to capital adequacy\nrules issued by the Federal Reserve. The Corporation\u2019s banking entity\naffiliates are subject to capital adequacy rules issued by the OCC.\nThe Corporation and its primary banking entity affiliate, BANA, are Advanced\napproaches institutions under Basel 3. As Advanced approaches institutions,\nthe Corporation and its\nbanking entity affiliates are required to report regulatory risk-based capital\nratios and risk-weighted assets under both the Standardized and Advanced\napproaches. The approach that yields the lower ratio is used to assess capital\nadequacy, including under the Prompt Corrective Action (PCA) framework.\nThe Corporation is required to maintain a minimum supplementary\nleverage ratio (SLR) of 3.0 percent plus a leverage buffer of 2.0 percent in\norder to avoid certain restrictions on capital distributions and discretionary\nbonus payments to executive officers. The Corporation\u2019s insured depository\ninstitution subsidiaries are required to maintain a minimum 6.0 percent SLR\nto be considered well capitalized under the PCA framework.\nThe following table presents capital ratios and related information in\naccordance with Basel 3 Standardized and Advanced approaches as\nmeasured at December 31, 2023 and 2022 for the Corporation and BANA.\n(1)\n(1)\n143\n143\n \nBank of America", "1938b9fb-c96b-47b6-ba72-f973d29dfee0": "Regulatory Capital under Basel 3\nRegulatory Capital under Basel 3\nBank of America Corporation\nBank of America Corporation\nBank of America, N.A.\nBank of America, N.A.\nStandardized\nStandardized\nApproach \nApproach \nAdvanced\nAdvanced\nApproaches\nApproaches\nRegulatory\nRegulatory\nMinimum\nMinimum\nStandardized\nStandardized\nApproach \nApproach \nAdvanced\nAdvanced\nApproaches\nApproaches\nRegulatory\nRegulatory\nMinimum\nMinimum\n(Dollars in millions, except as noted)\nDecember 31, 2023\nDecember 31, 2023\nRisk-based capital metrics:\nRisk-based capital metrics:\n \n \nCommon equity tier 1 capital\n$\n$\n194,928\n194,928\n \n$\n$\n194,928\n194,928\n \n$\n$\n187,621\n187,621\n \n$\n$\n187,621\n187,621\n \nTier 1 capital\n223,323\n223,323\n \n223,323\n223,323\n \n187,621\n187,621\n \n187,621\n187,621\n \nTotal capital \n251,399\n251,399\n \n241,449\n241,449\n \n201,932\n201,932\n \n192,175\n192,175\n \nRisk-weighted assets (in billions)\n1,651\n1,651\n \n1,459\n1,459\n \n1,395\n1,395\n \n1,114\n1,114\n \nCommon equity tier 1 capital ratio\n11.8\n11.8\n \n%\n%\n13.4\n13.4\n \n%\n%\n9.5\n9.5\n \n%\n%\n13.5\n13.5\n \n%\n%\n16.8\n16.8\n \n%\n%\n7.0\n7.0\n \n%\n%\nTier 1 capital ratio\n13.5\n13.5\n \n15.3\n15.3\n \n11.0\n11.0\n \n13.5\n13.5\n \n16.8\n16.8\n \n8.5\n8.5\n \nTotal capital ratio\n15.2\n15.2\n \n16.6\n16.6\n \n13.0\n13.0\n \n14.5\n14.5\n \n17.2\n17.2\n \n10.5\n10.5\n \nLeverage-based metrics:\nLeverage-based metrics:\nAdjusted quarterly average assets (in billions) \n$\n$\n3,135\n3,135\n \n$\n$\n3,135\n3,135\n \n$\n$\n2,471\n2,471\n \n$\n$\n2,471\n2,471\n \nTier 1 leverage ratio\n7.1\n7.1\n \n%\n%\n7.1\n7.1\n \n%\n%\n4.0\n4.0\n \n7.6\n7.6\n \n%\n%\n7.6\n7.6\n \n%\n%\n5.0\n5.0\n \nSupplementary leverage exposure (in billions)\n$\n$\n3,676\n3,676\n \n$\n$\n2,910\n2,910\n \nSupplementary leverage ratio\n6.1\n6.1\n \n%\n%\n5.0\n5.0\n \n6.4\n6.4\n \n%\n%\n6.0\n6.0\n \n \nDecember 31, 2022\nRisk-based capital metrics:\nRisk-based capital metrics:\n \n \n \n \nCommon equity tier 1 capital\n$\n180,060\n \n$\n180,060\n \n$\n181,089\n \n$\n181,089\n \nTier 1 capital\n208,446\n \n208,446\n \n181,089\n \n181,089\n \nTotal capital \n238,773\n \n230,916\n \n194,254\n \n186,648\n \nRisk-weighted assets (in billions)\n1,605\n \n1,411\n \n1,386\n \n1,087\n \nCommon equity tier 1 capital ratio\n11.2\n \n%\n12.8\n \n%\n10.4\n \n%\n13.1\n \n%\n16.7\n \n%\n7.0\n \n%\nTier 1 capital ratio\n13.0\n \n14.8\n \n11.9\n \n13.1\n \n16.7\n \n8.5\n \nTotal capital ratio\n14.9\n \n16.4\n \n13.9\n \n14.0\n \n17.2\n \n10.5\n \nLeverage-based metrics:\nLeverage-based metrics:\nAdjusted quarterly average assets (in billions) \n$\n2,997\n \n$\n2,997\n \n$\n2,358\n \n$\n2,358\n \nTier 1 leverage ratio\n7.0\n \n%\n7.0\n \n%\n4.0\n \n7.7\n \n%\n7.7\n \n%\n5.0\n \nSupplementary leverage exposure (in billions)\n$\n3,523\n \n$\n2,785\n \nSupplementary leverage ratio\n5.9\n \n%\n5.0\n \n6.5\n \n%\n6.", "3cb85a87-68d5-46e1-ba0d-b9c23f59ebde": "2\n \n%\n12.8\n \n%\n10.4\n \n%\n13.1\n \n%\n16.7\n \n%\n7.0\n \n%\nTier 1 capital ratio\n13.0\n \n14.8\n \n11.9\n \n13.1\n \n16.7\n \n8.5\n \nTotal capital ratio\n14.9\n \n16.4\n \n13.9\n \n14.0\n \n17.2\n \n10.5\n \nLeverage-based metrics:\nLeverage-based metrics:\nAdjusted quarterly average assets (in billions) \n$\n2,997\n \n$\n2,997\n \n$\n2,358\n \n$\n2,358\n \nTier 1 leverage ratio\n7.0\n \n%\n7.0\n \n%\n4.0\n \n7.7\n \n%\n7.7\n \n%\n5.0\n \nSupplementary leverage exposure (in billions)\n$\n3,523\n \n$\n2,785\n \nSupplementary leverage ratio\n5.9\n \n%\n5.0\n \n6.5\n \n%\n6.0\n \nAs of December 31, 2023 and 2022, capital ratios are calculated using the regulatory capital rule that allows a five-year transition period related to the adoption of the current expected credit losses accounting standard on January 1, 2020.\nThe common equity tier 1 (CET1) capital regulatory minimum is the sum of the CET1 capital ratio minimum of 4.5 percent, the Corporation\u2019s G-SIB surcharge of \n2.5\n percent and the Corporation\u2019s capital conservation buffer of \n2.5\n percent (under the Advanced\napproaches) or the stress capital buffer of \n2.5\n percent at December 31, 2023 and \n3.4\n percent at December 31, 2022 \n(under the Standardized approach), as applicable. The countercyclical capital buffer was zero for both periods. The SLR regulatory minimum\nincludes a leverage buffer of 2.0 percent.\nRisk-based capital regulatory minimums at both December 31, 2023 and 2022 are the minimum ratios under Basel 3 including a capital conservation buffer of \n2.5\n percent. The regulatory minimums for the leverage ratios as of both period ends are the percent\nrequired to be considered well capitalized under the PCA framework.\nTotal capital under the Advanced approaches differs from the Standardized approach due to differences in the amount permitted in Tier 2 capital related to the qualifying allowance for credit losses.\nReflects total average assets adjusted for certain Tier 1 capital deductions.\nThe capital adequacy rules issued by the U.S. banking regulators require\ninstitutions to meet the established minimums outlined in the table above.\nFailure to meet the minimum requirements can lead to certain mandatory and\ndiscretionary actions by regulators that could have a material adverse impact\non the Corporation\u2019s financial position. At December 31, 2023 and 2022, the\nCorporation and its banking entity affiliates were well capitalized.\nOther Regulatory Matters\nOther Regulatory Matters\nAt December 31, 2023 and 2022, the Corporation had cash and cash\nequivalents in the amount of $\n3.6\n billion and $\n5.6\n billion, and securities with a\nfair value of $\n18.0\n billion and $\n16.6\n billion that were segregated in compliance\nwith securities regulations. Cash and cash equivalents segregated in\ncompliance with securities regulations are a component of restricted cash. For\nmore information, see \nNote 10 \u2013 Securities Financing Agreements, Short-term\nBorrowings, Collateral and Restricted Cash\n. In addition, at December 31, 2023\nand 2022, the Corporation had cash deposited with clearing organizations of\n$\n23.7\n billion and $\n20.7\n billion primarily recorded in other assets on the\nConsolidated Balance Sheet.\nBank Subsidiary Distributions\nBank Subsidiary Distributions\nThe primary sources of funds for cash distributions by the Corporation to its\nshareholders are capital distributions received from its bank subsidiaries,\nBANA and Bank of America California, N.A. In 2023, the Corporation received\ndividends of $\n22.2\n billion from BANA and $\n199\n million from Bank of America\nCalifornia, N.A.\nThe amount of dividends that a subsidiary bank may declare in a calendar\nyear without OCC approval is the subsidiary bank\u2019s net profits for that year\ncombined with its retained net profits for the preceding \ntwo years\n. Retained net\nprofits, as defined by the OCC, consist of net income less dividends declared\nduring the period.", "9e57bf49-7abd-4c9d-a77c-684307f3b6dc": "Bank Subsidiary Distributions\nBank Subsidiary Distributions\nThe primary sources of funds for cash distributions by the Corporation to its\nshareholders are capital distributions received from its bank subsidiaries,\nBANA and Bank of America California, N.A. In 2023, the Corporation received\ndividends of $\n22.2\n billion from BANA and $\n199\n million from Bank of America\nCalifornia, N.A.\nThe amount of dividends that a subsidiary bank may declare in a calendar\nyear without OCC approval is the subsidiary bank\u2019s net profits for that year\ncombined with its retained net profits for the preceding \ntwo years\n. Retained net\nprofits, as defined by the OCC, consist of net income less dividends declared\nduring the period. In 2024, BANA can declare and pay dividends of\napproximately $\n12.0\n billion to the Corporation plus an additional amount equal\nto its retained net profits for 2024 up to the date of any such dividend\ndeclaration. Bank of America California, N.A. can pay dividends of $\n66\n million\nin 2024 plus an additional amount equal to its retained net profits for 2024 up\nto the date of any such dividend declaration.\n(1)\n(1)\n (1)\n (1)\n (2)\n (2)\n(1)\n(1)\n (1)\n (1)\n (3)\n (3)\n(4)\n(5)\n(4)\n(5)\n(1)\n(2)\n(3)\n(4)\n(5)\nBank of America \n144\n144", "881ec3a1-ccdf-4fdb-b4dd-8ee70c6afc02": "NOTE 17 \nNOTE 17 \nEmployee Benefit Plans\nEmployee Benefit Plans\nPension and Postretirement Plans\nPension and Postretirement Plans\nThe Corporation sponsors a qualified noncontributory trusteed pension plan\n(Qualified Pension Plan), a number of noncontributory nonqualified pension\nplans and postretirement health and life plans that cover eligible employees.\nNon-U.S. pension plans sponsored by the Corporation vary based on the\ncountry and local practices.\nThe Qualified Pension Plan has a balance guarantee feature for account\nbalances with participant-selected investments, applied at the time a benefit\npayment is made from the plan that effectively provides principal protection for\nparticipant balances transferred and certain compensation credits. The\nCorporation is responsible for funding any shortfall on the guarantee feature.\nBenefits earned under the Qualified Pension Plan have been frozen.\nThereafter, the cash balance accounts continue to earn investment credits or\ninterest credits in accordance with the terms of the plan document.\nThe Corporation has an annuity contract that guarantees the payment of\nbenefits vested under a terminated U.S. pension plan (Other Pension Plan).\nThe Corporation, under a supplemental agreement, may be responsible for or\nbenefit from actual experience and investment performance of the annuity\nassets. The Corporation made \nno\n contribution under this agreement in 2023\nor 2022. Contributions may be required in the future under this agreement.\nThe Corporation\u2019s noncontributory, nonqualified pension plans are\nunfunded and provide supplemental defined pension benefits to certain\neligible employees.\nIn addition to retirement pension benefits, certain benefits-eligible\nemployees may become eligible to continue participation as retirees in health\ncare and/or life insurance plans sponsored by the Corporation. These plans\nare referred to as the Postretirement Health and Life Plans.\nThe Pension and Postretirement Plans table summarizes the changes in\nthe fair value of plan assets, changes in the projected benefit obligation (PBO),\nthe funded status of both the accumulated benefit obligation (ABO) and the\nPBO, and the weighted-average assumptions used to determine benefit\nobligations for the pension plans and postretirement plans at December 31,\n2023 and 2022. The estimate of the Corporation\u2019s PBO associated with these\nplans considers various actuarial assumptions, including assumptions for\nmortality rates and discount rates. The discount rate assumptions are derived\nfrom a cash flow matching technique that utilizes rates that are based on Aa-\nrated corporate bonds with cash flows that match estimated benefit payments\nof each of the plans. The decreases in the weighted-average discount rates in\n2023 resulted in an increase to the PBO of $\n511\n million at December 31,\n2023. The increases in the weighted-average discount rates in 2022 resulted\nin a decrease to the PBO of approximately $\n5.3\n billion at December 31, 2022.\nSignificant gains and losses related to changes in the PBO for 2023 and 2022\nprimarily resulted from changes in the discount rate.\nPension and Postretirement Plans \nPension and Postretirement Plans \nQualified\nQualified\nPension Plan\nPension Plan\nNon-U.S.\nNon-U.S.\nPension Plans\nPension Plans\nNonqualified and Other\nNonqualified and Other\nPension Plans\nPension Plans\nPostretirement\nPostretirement\nHealth and Life Plans\nHealth and Life Plans\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\nFair value, January 1\nFair value, January 1\n$\n$\n17,258\n17,258\n \n$\n22,078\n \n$\n$\n1,728\n1,728\n \n$\n3,031\n \n$\n$\n1,886\n1,886\n \n$\n2,585\n \n$\n$\n107\n107\n \n$\n117\n \nActual return on plan assets\n1,436\n1,436\n \n(\n3,896\n)\n17\n17\n \n(\n898\n)\n103\n103\n \n(\n332\n)\n5\n5\n \n2\n \nCompany contributions (withdrawals)\n\u2014\n\u2014\n \n\u2014\n \n28\n28\n \n30\n \n80\n80\n \n(\n135\n)\n43\n43\n \n45\n \nPlan participant contributions\n\u2014\n\u2014\n \n\u2014\n \n1\n1\n \n1\n \n\u2014\n\u2014\n \n\u2014\n \n102\n102\n \n104\n \nSettlements and curtailments\n\u2014\n\u2014\n \n\u2014\n \n(\n(\n12\n12\n)\n)\n(\n51\n)\n\u2014\n\u2014\n \n(\n6\n)\n\u2014\n\u2014\n \n\u2014\n \nBenefits paid\n(\n(\n1,062\n1,", "ac9101ad-f8d8-46b1-b179-6062182fc71b": "728\n1,728\n \n$\n3,031\n \n$\n$\n1,886\n1,886\n \n$\n2,585\n \n$\n$\n107\n107\n \n$\n117\n \nActual return on plan assets\n1,436\n1,436\n \n(\n3,896\n)\n17\n17\n \n(\n898\n)\n103\n103\n \n(\n332\n)\n5\n5\n \n2\n \nCompany contributions (withdrawals)\n\u2014\n\u2014\n \n\u2014\n \n28\n28\n \n30\n \n80\n80\n \n(\n135\n)\n43\n43\n \n45\n \nPlan participant contributions\n\u2014\n\u2014\n \n\u2014\n \n1\n1\n \n1\n \n\u2014\n\u2014\n \n\u2014\n \n102\n102\n \n104\n \nSettlements and curtailments\n\u2014\n\u2014\n \n\u2014\n \n(\n(\n12\n12\n)\n)\n(\n51\n)\n\u2014\n\u2014\n \n(\n6\n)\n\u2014\n\u2014\n \n\u2014\n \nBenefits paid\n(\n(\n1,062\n1,062\n)\n)\n(\n924\n)\n(\n(\n80\n80\n)\n)\n(\n62\n)\n(\n(\n220\n220\n)\n)\n(\n226\n)\n(\n(\n159\n159\n)\n)\n(\n161\n)\nFederal subsidy on benefits paid\n n/a\n n/a\nn/a\n n/a\n n/a\nn/a\n n/a\n n/a\nn/a\n\u2014\n\u2014\n \n\u2014\n \nForeign currency exchange rate changes\n n/a\n n/a\nn/a\n97\n97\n \n(\n323\n)\n n/a\n n/a\nn/a\n n/a\n n/a\nn/a\nFair value, December 31\nFair value, December 31\n$\n$\n17,632\n17,632\n \n$\n17,258\n \n$\n$\n1,779\n1,779\n \n$\n1,728\n \n$\n$\n1,849\n1,849\n \n$\n1,886\n \n$\n$\n98\n98\n \n$\n107\n \nChange in projected benefit obligation\nChange in projected benefit obligation\n \n \n \n \n \n \n \n \nProjected benefit obligation, January 1\nProjected benefit obligation, January 1\n$\n$\n11,580\n11,580\n \n$\n15,676\n \n$\n$\n1,752\n1,752\n \n$\n3,116\n \n$\n$\n2,109\n2,109\n \n$\n2,753\n \n$\n$\n700\n700\n \n$\n928\n \nService cost\n\u2014\n\u2014\n \n\u2014\n \n27\n27\n \n29\n \n\u2014\n\u2014\n \n\u2014\n \n2\n2\n \n4\n \nInterest cost\n616\n616\n \n438\n \n80\n80\n \n53\n \n111\n111\n \n74\n \n36\n36\n \n25\n \nPlan participant contributions\n\u2014\n\u2014\n \n\u2014\n \n1\n1\n \n1\n \n\u2014\n\u2014\n \n\u2014\n \n102\n102\n \n104\n \nPlan amendments\n\u2014\n\u2014\n \n\u2014\n \n4\n4\n \n3\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \nSettlements and curtailments\n\u2014\n\u2014\n \n\u2014\n \n(\n(\n12\n12\n)\n)\n(\n51\n)\n\u2014\n\u2014\n \n(\n6\n)\n\u2014\n\u2014\n \n\u2014\n \nActuarial loss (gain)\n635\n635\n \n(\n3,610\n)\n121\n121\n \n(\n1,054\n)\n92\n92\n \n(\n486\n)\n(\n(\n9\n9\n)\n)\n(\n198\n)\nBenefits paid\n(\n(\n1,062\n1,062\n)\n)\n(\n924\n)\n(\n(\n80\n80\n)\n)\n(\n62\n)\n(\n(\n220\n220\n)\n)\n(\n226\n)\n(\n(\n160\n160\n)\n)\n(\n161\n)\nFederal subsidy on benefits paid\n n/a\n n/a\nn/a\n n/a\n n/a\nn/a\n n/a\n n/a\nn/a\n\u2014\n\u2014\n \n\u2014\n \nForeign currency exchange rate changes\n n/a\n n/a\nn/a\n81\n81\n \n(\n283\n)\n n/a\n n/a\nn/a\n1\n1\n \n(\n2\n)\nProjected benefit obligation, December 31\nProjected benefit obligation, December 31\n$\n$\n11,769\n11,769\n \n$\n11,580\n \n$\n$\n1,974\n1,974\n \n$\n1,752\n \n$\n$\n2,092\n2,092\n \n$\n2,109\n \n$\n$\n672\n672\n \n$\n700\n \nAmounts recognized on Consolidated Balance Sheet\nAmounts recognized on Consolidated Balance Sheet\nOther assets\n$\n$\n5,863\n5,863\n \n$\n5,", "28394b7a-4591-4f2f-8348-3fd45272ea1e": "December 31\nProjected benefit obligation, December 31\n$\n$\n11,769\n11,769\n \n$\n11,580\n \n$\n$\n1,974\n1,974\n \n$\n1,752\n \n$\n$\n2,092\n2,092\n \n$\n2,109\n \n$\n$\n672\n672\n \n$\n700\n \nAmounts recognized on Consolidated Balance Sheet\nAmounts recognized on Consolidated Balance Sheet\nOther assets\n$\n$\n5,863\n5,863\n \n$\n5,678\n \n$\n$\n235\n235\n \n$\n370\n \n$\n$\n452\n452\n \n$\n495\n \n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \nAccrued expenses and other liabilities\n\u2014\n\u2014\n \n\u2014\n \n(\n(\n430\n430\n)\n)\n(\n394\n)\n(\n(\n695\n695\n)\n)\n(\n718\n)\n(\n(\n574\n574\n)\n)\n(\n593\n)\nNet amount recognized, December 31\nNet amount recognized, December 31\n$\n$\n5,863\n5,863\n \n$\n5,678\n \n$\n$\n(\n(\n195\n195\n)\n)\n$\n(\n24\n)\n$\n$\n(\n(\n243\n243\n)\n)\n$\n(\n223\n)\n$\n$\n(\n(\n574\n574\n)\n)\n$\n(\n593\n)\nFunded status, December 31\nFunded status, December 31\n \n \n \n \n \n \n \n \nAccumulated benefit obligation\n$\n$\n11,769\n11,769\n \n$\n11,580\n \n$\n$\n1,903\n1,903\n \n$\n1,694\n \n$\n$\n2,091\n2,091\n \n$\n2,109\n \n n/a\n n/a\nn/a\nOverfunded (unfunded) status of ABO\n5,863\n5,863\n \n5,678\n \n(\n(\n124\n124\n)\n)\n34\n \n(\n(\n242\n242\n)\n)\n(\n223\n)\n n/a\n n/a\nn/a\nProvision for future salaries\n\u2014\n\u2014\n \n\u2014\n \n71\n71\n \n58\n \n1\n1\n \n\u2014\n \n n/a\n n/a\nn/a\nProjected benefit obligation\n11,769\n11,769\n \n11,580\n \n1,974\n1,974\n \n1,752\n \n2,092\n2,092\n \n2,109\n \n$\n$\n672\n672\n \n$\n700\n \nWeighted-average assumptions, December 31\nWeighted-average assumptions, December 31\n \n \n \n \n \n \n \n \nDiscount rate\n5.13\n5.13\n \n%\n%\n5.54\n \n%\n4.48\n4.48\n \n%\n%\n4.59\n \n%\n5.19\n5.19\n \n%\n%\n5.58\n \n%\n5.17\n5.17\n \n%\n%\n5.56\n \n%\nRate of compensation increase\nn/a\nn/a\nn/a\n4.33\n4.33\n \n4.25\n \n4.00\n4.00\n \n4.00\n \nn/a\nn/a\nn/a\nInterest-crediting rate\n5.43\n5.43\n \n%\n%\n5.36\n \n%\n1.98\n1.98\n \n2.03\n \n4.91\n4.91\n \n4.69\n \n n/a\n n/a\nn/a\nThe measurement date for all of the above plans was December 31 of each year reported.\nn/a = not applicable\n(1)\n(1)\n(1)\n145\n145\n \nBank of America", "0e9ef286-fb91-4eef-986c-c2d77034ffab": "The Corporation\u2019s estimate of its contributions to be made to the Non-U.S.\nPension Plans, Nonqualified and Other Pension Plans, and Postretirement\nHealth and Life Plans in 2024 is $\n28\n million, $\n82\n million and $\n25\n million,\nrespectively. The Corporation does not expect to make a contribution to the\nQualified Pension Plan in 2024. It is the policy of the Corporation to fund no\nless than the minimum funding amount\nrequired by the Employee Retirement Income Security Act of 1974 (ERISA).\nPension Plans with ABO and PBO in excess of plan assets as of December\n31, 2023 and 2022 are presented in the table below. For these plans, funding\nstrategies vary due to legal requirements and local practices.\nPlans with ABO and PBO in Excess of Plan Assets\nPlans with ABO and PBO in Excess of Plan Assets\nNon-U.S.\nNon-U.S.\nPension Plans\nPension Plans\nNonqualified\nNonqualified\nand Other\nand Other\nPension Plans\nPension Plans\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\nPBO\n$\n$\n499\n499\n \n$\n458\n \n$\n$\n695\n695\n \n$\n719\n \nABO\n445\n445\n \n416\n \n695\n695\n \n719\n \nFair value of plan assets\n75\n75\n \n71\n \n1\n1\n \n1\n \nComponents of Net Periodic Benefit Cost\nComponents of Net Periodic Benefit Cost\n \nQualified Pension Plan\nQualified Pension Plan\nNon-U.S. Pension Plans\nNon-U.S.", "4340f087-2582-42d4-8f35-c2a350ddadca": "For these plans, funding\nstrategies vary due to legal requirements and local practices.\nPlans with ABO and PBO in Excess of Plan Assets\nPlans with ABO and PBO in Excess of Plan Assets\nNon-U.S.\nNon-U.S.\nPension Plans\nPension Plans\nNonqualified\nNonqualified\nand Other\nand Other\nPension Plans\nPension Plans\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\nPBO\n$\n$\n499\n499\n \n$\n458\n \n$\n$\n695\n695\n \n$\n719\n \nABO\n445\n445\n \n416\n \n695\n695\n \n719\n \nFair value of plan assets\n75\n75\n \n71\n \n1\n1\n \n1\n \nComponents of Net Periodic Benefit Cost\nComponents of Net Periodic Benefit Cost\n \nQualified Pension Plan\nQualified Pension Plan\nNon-U.S. Pension Plans\nNon-U.S. Pension Plans\n(Dollars in millions)\n2023\n2023\n2022\n2021\n2023\n2023\n2022\n2021\nComponents of net periodic benefit cost (income)\nComponents of net periodic benefit cost (income)\nService cost\n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n$\n27\n27\n \n$\n29\n \n$\n28\n \nInterest cost\n616\n616\n \n438\n \n414\n \n80\n80\n \n53\n \n45\n \nExpected return on plan assets\n(\n(\n1,191\n1,191\n)\n)\n(\n1,204\n)\n(\n1,173\n)\n(\n(\n72\n72\n)\n)\n(\n59\n)\n(\n70\n)\nAmortization of actuarial loss (gain) and prior service cost\n94\n94\n \n140\n \n193\n \n11\n11\n \n14\n \n19\n \nOther\n\u2014\n\u2014\n \n\u2014\n \n\u2014\n \n1\n1\n \n10\n \n5\n \nNet periodic benefit cost (income)\nNet periodic benefit cost (income)\n$\n$\n(\n(\n481\n481\n)\n)\n$\n(\n626\n)\n$\n(\n566\n)\n$\n$\n47\n47\n \n$\n47\n \n$\n27\n \nWeighted-average assumptions used to determine net cost for years ended December 31\nWeighted-average assumptions used to determine net cost for years ended December 31\n \n \n \n \n \n \nDiscount rate\n5.54\n5.54\n \n%\n%\n2.86\n \n%\n2.57\n \n%\n4.59\n4.59\n \n%\n%\n1.85\n \n%\n1.35\n \n%\nExpected return on plan assets\n6.50\n6.50\n \n5.75\n \n5.75\n \n4.17\n4.17\n \n2.17\n \n2.30\n \nRate of compensation increase\n n/a\n n/a\nn/a\nn/a\n4.25\n4.25\n \n4.46\n \n4.11\n \nNonqualified and\nNonqualified and\nOther Pension Plans\nOther Pension Plans\nPostretirement Health\nPostretirement Health\nand Life Plans\nand Life Plans\n(Dollars in millions)\n2023\n2023\n2022\n2021\n2023\n2023\n2022\n2021\nComponents of net periodic benefit cost (income)\nComponents of net periodic benefit cost (income)\nService cost\n$\n$\n\u2014\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n$\n2\n2\n \n$\n4\n \n$\n5\n \nInterest cost\n111\n111\n \n74\n \n67\n \n36\n36\n \n25\n \n24\n \nExpected return on plan assets\n(\n(\n97\n97\n)\n)\n(\n59\n)\n(\n49\n)\n(\n(\n2\n2\n)\n)\n(\n2\n)\n(\n3\n)\nAmortization of actuarial loss (gain) and prior service cost\n29\n29\n \n54\n \n63\n \n(\n(\n78\n78\n)\n)\n(\n9\n)\n20\n \nOther\n\u2014\n\u2014\n \n1\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n \nNet periodic benefit cost (income)\nNet periodic benefit cost (income)\n$\n$\n43\n43\n \n$\n70\n \n$\n81\n \n$\n$\n(\n(\n42\n42\n)\n)\n$\n18\n \n$\n46\n \nWeighted-average assumptions used to determine net cost for years ended December 31\nWeighted-average assumptions used to determine net cost for years ended December 31\n \n \n \n \n \n \nDiscount rate\n5.58\n5.58\n \n%\n%\n2.80\n \n%\n2.33\n \n%\n5.56\n5.56\n \n%\n%\n2.85\n \n%\n2.48\n \n%\nExpected return on plan assets\n4.98\n4.98\n \n2.38\n \n1.88\n \n2.00\n2.00\n \n2.00\n \n2.00\n \nRate of compensation increase\n4.00\n4.00\n \n4.00\n \n4.00\n \n n/a\n n/a\nn/a\nn/a\nn/a = not applicable\nThe asset valuation method used to calculate the expected return on plan\nassets component of net periodic benefit cost for the Qualified Pension Plan\nrecognizes \n60\n percent of the prior year\u2019s market gains or losses at the next\nmeasurement date with the remaining \n40\n percent spread equally over the\nsubsequent four years.", "9f3eaa17-4763-47bc-b39a-51e84a0575c9": "Gains and losses for all benefit plans except postretirement health care are\nrecognized in accordance with the standard amortization provisions of the\napplicable accounting guidance. Net periodic postretirement health and life\nexpense was determined using the \u201cprojected unit credit\u201d actuarial method.\nFor the U.S. Postretirement Health and Life Plans, \n50\n percent of the\nunrecognized gain or loss at the beginning of the year (or at subsequent\nremeasurement) is recognized on a level basis during the year.\nAssumed health care cost trend rates affect the postretirement benefit\nobligation and benefit cost reported for the Postretirement Health and Life\nPlans. The assumed health care cost trend rate used to measure the\nexpected cost of benefits covered by the U.S. Postretirement Health and Life\nPlans is \n6.50\n percent for 2024, reducing in steps to \n5.00\n percent in 2028 and\nlater years.\nThe Corporation\u2019s net periodic benefit cost (income) recognized for the\nplans is sensitive to the discount rate and expected return on plan assets. For\nthe Qualified Pension Plan, Non-U.S. Pension Plans, Nonqualified and Other\nPension Plans, and Postretirement Health and Life Plans, a 25 bps decline in\ndiscount rates and expected return on assets would not have had a significant\nimpact on the net periodic benefit cost for 2023.\nBank of America \n146\n146", "46222032-48bc-47b8-934a-8e2ad859e49e": "Pretax Amounts included in Accumulated OCI and OCI\nPretax Amounts included in Accumulated OCI and OCI\n \nQualified\nQualified\nPension Plan\nPension Plan\nNon-U.S.\nNon-U.S.\nPension Plans\nPension Plans\nNonqualified\nNonqualified\nand Other\nand Other\nPension Plans\nPension Plans\nPostretirement\nPostretirement\nHealth and\nHealth and\nLife Plans\nLife Plans\nTotal\nTotal\n(Dollars in millions)\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\n2023\n2023\n2022\nNet actuarial loss (gain)\n$\n$\n5,072\n5,072\n \n$\n4,775\n \n$\n$\n478\n478\n \n$\n312\n \n$\n$\n852\n852\n \n$\n796\n \n$\n$\n(\n(\n125\n125\n)\n)\n$\n(\n187\n)\n$\n$\n6,277\n6,277\n \n$\n5,696\n \nPrior service cost (credits)\n\u2014\n\u2014\n \n\u2014\n \n46\n46\n \n43\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n(\n1\n)\n46\n46\n \n42\n \nAmounts recognized in accumulated OCI\nAmounts recognized in accumulated OCI\n$\n$\n5,072\n5,072\n \n$\n4,775\n \n$\n$\n524\n524\n \n$\n355\n \n$\n$\n852\n852\n \n$\n796\n \n$\n$\n(\n(\n125\n125\n)\n)\n$\n(\n188\n)\n$\n$\n6,323\n6,323\n \n$\n5,738\n \nCurrent year actuarial loss (gain)\n$\n$\n391\n391\n \n$\n1,490\n \n$\n$\n177\n177\n \n$\n(\n107\n)\n$\n$\n85\n85\n \n$\n(\n95\n)\n$\n$\n(\n(\n15\n15\n)\n)\n$\n(\n198\n)\n$\n$\n638\n638\n \n$\n1,090\n \nAmortization of actuarial gain (loss) and\nprior service cost\n(\n(\n94\n94\n)\n)\n(\n140\n)\n(\n(\n12\n12\n)\n)\n(\n14\n)\n(\n(\n29\n29\n)\n)\n(\n54\n)\n78\n78\n \n9\n \n(\n(\n57\n57\n)\n)\n(\n199\n)\nCurrent year prior service cost (credit)\n\u2014\n\u2014\n \n\u2014\n \n4\n4\n \n3\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n4\n4\n \n3\n \nAmounts recognized in OCI\nAmounts recognized in OCI\n$\n$\n297\n297\n \n$\n1,350\n \n$\n$\n169\n169\n \n$\n(\n118\n)\n$\n$\n56\n56\n \n$\n(\n149\n)\n$\n$\n63\n63\n \n$\n(\n189\n)\n$\n$\n585\n585\n \n$\n894\n \nPlan Assets\nPlan Assets\nThe Qualified Pension Plan has been established as a retirement vehicle for\nparticipants, and trusts have been established to secure benefits promised\nunder the Qualified Pension Plan. The Corporation\u2019s policy is to invest the trust\nassets in a prudent manner for the exclusive purpose of providing benefits to\nparticipants and defraying reasonable expenses of administration. The\nCorporation\u2019s investment strategy is designed to provide a total return that,\nover the long term, increases the ratio of assets to liabilities. The strategy\nattempts to maximize the investment return on assets at a level of risk deemed\nappropriate by the Corporation while complying with ERISA and any applicable\nregulations and laws. The investment strategy utilizes asset allocation as a\nprincipal determinant for establishing the risk/return profile of the assets.\nAsset allocation ranges are established, periodically reviewed and adjusted\nas funding levels and liability characteristics change. Active and passive\ninvestment managers are employed to help enhance the risk/return profile of\nthe assets. An additional aspect of the investment strategy used to minimize\nrisk (part of the asset allocation plan) includes matching the exposure of\nparticipant-selected investment measures.\nThe assets of the Non-U.S. Pension Plans are primarily attributable to a\nU.K. pension plan. This U.K. pension plan\u2019s assets are invested prudently so\nthat the benefits promised to members are provided with consideration given\nto the nature and the duration of the plans\u2019 liabilities. The selected asset\nallocation strategy is designed to achieve a higher return than the lowest risk\nstrategy.\nThe expected rate of return on plan assets assumption was developed\nthrough analysis of historical market returns, historical asset class volatility\nand correlations, current market conditions, anticipated future asset\nallocations, the funds\u2019 past experience and expectations on potential future\nmarket returns.", "1f4f572e-489a-493a-8d55-7598dd8ef318": "Active and passive\ninvestment managers are employed to help enhance the risk/return profile of\nthe assets. An additional aspect of the investment strategy used to minimize\nrisk (part of the asset allocation plan) includes matching the exposure of\nparticipant-selected investment measures.\nThe assets of the Non-U.S. Pension Plans are primarily attributable to a\nU.K. pension plan. This U.K. pension plan\u2019s assets are invested prudently so\nthat the benefits promised to members are provided with consideration given\nto the nature and the duration of the plans\u2019 liabilities. The selected asset\nallocation strategy is designed to achieve a higher return than the lowest risk\nstrategy.\nThe expected rate of return on plan assets assumption was developed\nthrough analysis of historical market returns, historical asset class volatility\nand correlations, current market conditions, anticipated future asset\nallocations, the funds\u2019 past experience and expectations on potential future\nmarket returns. The expected return on plan assets assumption is determined\nusing the calculated market-related value for the Qualified Pension Plan and\nthe Other Pension Plan and the fair value for the Non-U.S. Pension Plans and\nPostretirement Health and Life Plans. The expected return on plan assets\nassumption represents a long-term average view of the performance of the\nassets in the Qualified Pension Plan, the Non-U.S. Pension Plans, the Other\nPension Plan, and Postretirement Health and Life Plans, a return that may or\nmay not be achieved during any one calendar year. The Other Pension Plan is\ninvested solely in an annuity contract, which is primarily invested in fixed-\nincome securities structured such that asset maturities match the duration of\nthe plan\u2019s obligations.\nThe target allocations for 2024 by asset category for the Qualified Pension\nPlan, Non-U.S. Pension Plans, and Nonqualified and Other Pension Plans are\npresented in the table below. Equity securities for the Qualified Pension Plan\ninclude common stock of the Corporation in the amounts of $\n299\n million (\n1.69\npercent of total plan assets) and $\n296\n million (\n1.72\n percent of total plan\nassets) at December 31, 2023 and 2022.\n2024 Target Allocation\n2024 Target Allocation\nPercentage\nPercentage\nAsset Category\nAsset Category\nQualified\nQualified\nPension Plan\nPension Plan\nNon-U.S.\nNon-U.S.\nPension Plans\nPension Plans\nNonqualified\nNonqualified\nand Other\nand Other\nPension Plans\nPension Plans\nEquity securities\n15\n - \n45\n%\n0\n - \n20\n%\n0\n - \n5\n%\nDebt securities\n40\n - \n80\n%\n40\n - \n75\n%\n95\n - \n100\n%\nReal estate\n0\n - \n10\n%\n0\n - \n15\n%\n0\n - \n5\n%\nOther\n0\n - \n10\n%\n10\n - \n40\n%\n0\n - \n5\n%\nFair Value Measurements\nFair Value Measurements\nFor more information on fair value measurements, including descriptions of Level 1, 2 and 3 of the fair value hierarchy and the valuation methods employed by the\nCorporation, see \nNote 1 \u2013 Summary of Significant Accounting Principles\n and \nNote 20 \u2013 Fair Value Measurements\n. \nCombined plan investment assets measured\nat fair value by level and in total at December 31, 2023 and 2022 are summarized in the Fair Value Measurements table.\n147\n147\n \nBank of America", "0ddc3c54-3ef9-4e54-bd8c-9fdb9d2e8e73": "Fair Value Measurements\nFair Value Measurements\nLevel 1\nLevel 1\nLevel 2\nLevel 2\nLevel 3\nLevel 3\nTotal\nTotal\nLevel 1\nLevel 2\nLevel 3\nTotal\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nDecember 31, 2022\nMoney market and interest-bearing cash\n$\n$\n1,013\n1,013\n \n$\n$\n\u2014\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n$\n1,013\n1,013\n \n$\n1,329\n \n$\n\u2014\n \n$\n\u2014\n \n$\n1,329\n \nU.S. government and government agency obligations\n3,692\n3,692\n \n729\n729\n \n4\n4\n \n4,425\n4,425\n \n3,313\n \n704\n \n5\n \n4,022\n \nCorporate debt\n\u2014\n\u2014\n \n3,343\n3,343\n \n\u2014\n\u2014\n \n3,343\n3,343\n \n\u2014\n \n3,587\n \n\u2014\n \n3,587\n \nNon-U.S. debt securities\n567\n567\n \n987\n987\n \n\u2014\n\u2014\n \n1,554\n1,554\n \n327\n \n933\n \n\u2014\n \n1,260\n \nAsset-backed securities\n\u2014\n\u2014\n \n1,464\n1,464\n \n\u2014\n\u2014\n \n1,464\n1,464\n \n\u2014\n \n1,273\n \n\u2014\n \n1,273\n \nMutual and exchange-traded funds\n953\n953\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n953\n953\n \n1,247\n \n\u2014\n \n\u2014\n \n1,247\n \nCollective investment funds\n\u2014\n\u2014\n \n2,350\n2,350\n \n\u2014\n\u2014\n \n2,350\n2,350\n \n\u2014\n \n1,988\n \n\u2014\n \n1,988\n \nCommon and preferred stocks\n4,027\n4,027\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n4,027\n4,027\n \n3,901\n \n\u2014\n \n\u2014\n \n3,901\n \nReal estate investment trusts\n45\n45\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n45\n45\n \n76\n \n\u2014\n \n\u2014\n \n76\n \nParticipant loans\n\u2014\n\u2014\n \n\u2014\n\u2014\n \n6\n6\n \n6\n6\n \n\u2014\n \n\u2014\n \n6\n \n6\n \nOther investments \n1\n1\n \n47\n47\n \n427\n427\n \n475\n475\n \n1\n \n23\n \n410\n \n434\n \nTotal plan investment assets, at fair value\nTotal plan investment assets, at fair value\n$\n$\n10,298\n10,298\n \n$\n$\n8,920\n8,920\n \n$\n$\n437\n437\n \n$\n$\n19,655\n19,655\n \n$\n10,194\n \n$\n8,508\n \n$\n421\n \n$\n19,123\n \nOther investments includes insurance annuity contracts of $\n404\n million and $\n390\n million and other various investments of $\n71\n million and $\n44\n million at December 31, 2023 and 2022.\nAt December 31, 2023 and 2022, excludes $\n1.7\n billion and $\n1.9\n billion of certain investments that are measured at fair value using the net asset value per share (or its equivalent) as a practical expedient and are not required to be classified in the fair value\nhierarchy.\nThe Level 3 Fair Value Measurements table presents a reconciliation of all plan investment assets measured at fair value using significant unobservable\ninputs (Level 3) during 2023, 2022 and 2021.\nLevel 3 Fair Value Measurements\nLevel 3 Fair Value Measurements\n \nBalance\nBalance\nJanuary 1\nJanuary 1\nActual Return on\nActual Return on\nPlan Assets Still\nPlan Assets Still\nHeld at the\nHeld at the\nReporting Date\nReporting Date\nPurchases, Sales and\nPurchases, Sales and\nSettlements\nSettlements\nBalance\nBalance\nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\nU.S. government and government agency obligations\n$\n$\n5\n5\n \n$\n$\n\u2014\n\u2014\n \n$\n$\n(\n(\n1\n1\n)\n)\n$\n$\n4\n4\n \nParticipant Loans\n6\n6\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n6\n6\n \nOther investments\n410\n410\n \n4\n4\n \n13\n13\n \n427\n427\n \nTotal\nTotal\n$\n$\n421\n421\n \n$\n$\n4\n4\n \n$\n$\n12\n12\n \n$\n$\n437\n437\n \n \n2022\nU.S.", "a3d3f494-6de8-4be0-bc1c-f9020993cef5": "government and government agency obligations\n$\n$\n5\n5\n \n$\n$\n\u2014\n\u2014\n \n$\n$\n(\n(\n1\n1\n)\n)\n$\n$\n4\n4\n \nParticipant Loans\n6\n6\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n6\n6\n \nOther investments\n410\n410\n \n4\n4\n \n13\n13\n \n427\n427\n \nTotal\nTotal\n$\n$\n421\n421\n \n$\n$\n4\n4\n \n$\n$\n12\n12\n \n$\n$\n437\n437\n \n \n2022\nU.S. government and government agency obligations\n$\n6\n \n$\n\u2014\n \n$\n(\n1\n)\n$\n5\n \nParticipant Loans\n7\n \n\u2014\n \n(\n1\n)\n6\n \nOther investments\n630\n \n(\n8\n)\n(\n212\n)\n410\n \nTotal\nTotal\n$\n643\n \n$\n(\n8\n)\n$\n(\n214\n)\n$\n421\n \n2021\nU.S. government and government agency obligations\n$\n7\n \n$\n\u2014\n \n$\n(\n1\n)\n$\n6\n \nParticipant loans\n7\n \n\u2014\n \n\u2014\n \n7\n \nOther investments\n684\n \n(\n5\n)\n(\n49\n)\n630\n \nTotal\nTotal\n$\n698\n \n$\n(\n5\n)\n$\n(\n50\n)\n$\n643\n \nProjected Benefit Payments\nProjected Benefit Payments\nBenefit payments projected to be made from the Qualified Pension Plan, Non-U.S. Pension Plans, Nonqualified and Other Pension Plans, and Postretirement\nHealth and Life Plans are presented in the table below.\nProjected Benefit Payments\nProjected Benefit Payments\n(Dollars in millions)\nQualified\nQualified\nPension Plan \nPension Plan \nNon-U.S.\nNon-U.S.\nPension Plans \nPension Plans \nNonqualified\nNonqualified\nand Other\nand Other\nPension Plans \nPension Plans \nPostretirement Health\nPostretirement Health\nand Life Plans \nand Life Plans \n2024\n$\n877\n \n$\n113\n \n$\n227\n \n$\n66\n \n2025\n901\n \n121\n \n231\n \n63\n \n2026\n906\n \n123\n \n218\n \n61\n \n2027\n894\n \n122\n \n210\n \n59\n \n2028\n885\n \n125\n \n199\n \n56\n \n2029 - 2033\n4,194\n \n619\n \n847\n \n248\n \nBenefit payments expected to be made from the plan\u2019s assets.\nBenefit payments expected to be made from a combination of the plans\u2019 and the Corporation\u2019s assets.\nBenefit payments (net of retiree contributions) expected to be made from a combination of the plans\u2019 and the Corporation\u2019s assets.\n(1)\n (2)\n (2)\n(1)\n(2)\n(1)\n(1)\n(2)\n(2)\n(2)\n(2)\n(3)\n(3)\n(1)\n(2)\n(3)\nBank of America \n148\n148", "8cc8ae07-6f68-45eb-b7b6-6e391e83c587": "Defined Contribution Plans\nDefined Contribution Plans\nThe Corporation maintains qualified and nonqualified defined contribution\nretirement plans. The Corporation recorded expense of $\n1.2\n billion in 2023,\n2022 and 2021 related to the qualified defined contribution plans. At\nDecember 31, 2023 and 2022, \n178\n million and \n179\n million shares of the\nCorporation\u2019s common stock were held by these plans. Payments to the plans\nfor dividends on common stock were $\n166\n million, $\n153\n million and $\n139\nmillion in 2023, 2022 and 2021, respectively.\nCertain non-U.S. employees are covered under defined contribution\npension plans that are separately administered in accordance with local laws.\nNOTE 18\nNOTE 18\n \nStock-based Compensation Plans\nStock-based Compensation Plans\nThe Corporation administers a number of equity compensation plans, with\nawards being granted predominantly from the Bank of America Corporation\nEquity Plan (BACEP). Under this plan, \n790\n million shares of the Corporation\u2019s\ncommon stock are authorized to be used for grants of awards.\nDuring 2023 and 2022, the Corporation granted \n115\n million and \n102\nmillion RSUs to certain employees under the BACEP. These RSUs were\nauthorized to settle predominantly in shares of common stock of the\nCorporation. Certain RSUs will be settled in cash or contain settlement\nprovisions that subject these awards to variable accounting whereby\ncompensation expense is adjusted to fair value based on changes in the\nshare price of the Corporation\u2019s common stock up to the settlement date. The\nRSUs granted in 2023 and 2022 predominantly vest over \nfour years\n in one-\nfourth increments on each of the first four anniversaries of the grant date,\nprovided that the employee remains continuously employed with the\nCorporation during that time, and will be expensed ratably over the vesting\nperiod, net of estimated forfeitures, for non-retirement eligible employees\nbased on the grant-date fair value of the shares. Of the RSUs granted in 2023\nand 2022, \n42\n million and \n39\n million do not include retirement eligibility. For all\nother RSUs granted to employees who are retirement eligible, they are\ndeemed authorized as of the beginning of the year preceding the grant date\nwhen the incentive award plans are generally approved. As a result, the\nestimated value is expensed ratably over the year preceding the grant date.\nThe compensation cost for the stock-based plans was $\n3.1\n billion, $\n2.9\n billion\nand $\n3.0\n billion, and the related income tax benefit was $\n733\n million, $\n697\nmillion and $\n723\n million for 2023, 2022 and 2021, respectively. At\nDecember 31, 2023, there was an estimated $\n4.0\n billion of total unrecognized\ncompensation cost related to certain share-based compensation awards that\nis expected to be recognized generally over a period of up to \nfour years\n, with a\nweighted-average period of \n2.5\n years.\nRestricted Stock and Restricted Stock Units\nRestricted Stock and Restricted Stock Units\nThe total fair value of restricted stock and restricted stock units vested in 2023,\n2022 and 2021 was $\n2.6\n billion, $\n3.4\n billion and $\n2.3\n billion, respectively. \nThe\ntable below presents the status at December 31, 2023 of the share-settled\nrestricted stock and restricted stock units and changes during 2023.\nStock-settled Restricted Stock and Restricted Stock Units\nStock-settled Restricted Stock and Restricted Stock Units\nShares/Units\nShares/Units\nWeighted-\nWeighted-\naverage Grant\naverage Grant\nDate Fair Value\nDate Fair Value\nOutstanding at January 1, 2023\n202,559,798\n \n$\n38.60\n \nGranted\n112,616,369\n \n33.88\n \nVested\n(\n72,958,812\n)\n35.94\n \nCanceled\n(\n8,707,200\n)\n38.30\n \nOutstanding at December 31, 2023\nOutstanding at December 31, 2023\n233,510,155\n233,510,155\n \n37.17\n37.17\n \nNOTE 19 \nNOTE 19 \nIncome Taxes\nIncome Taxes\nThe components of income tax expense for 2023, 2022 and 2021 are\npresented in the table below.", "8c160ece-d5b6-4083-ae95-cbbb55f07149": "Stock-settled Restricted Stock and Restricted Stock Units\nStock-settled Restricted Stock and Restricted Stock Units\nShares/Units\nShares/Units\nWeighted-\nWeighted-\naverage Grant\naverage Grant\nDate Fair Value\nDate Fair Value\nOutstanding at January 1, 2023\n202,559,798\n \n$\n38.60\n \nGranted\n112,616,369\n \n33.88\n \nVested\n(\n72,958,812\n)\n35.94\n \nCanceled\n(\n8,707,200\n)\n38.30\n \nOutstanding at December 31, 2023\nOutstanding at December 31, 2023\n233,510,155\n233,510,155\n \n37.17\n37.17\n \nNOTE 19 \nNOTE 19 \nIncome Taxes\nIncome Taxes\nThe components of income tax expense for 2023, 2022 and 2021 are\npresented in the table below.\nIncome Tax Expense\nIncome Tax Expense\n(Dollars in millions)\n2023\n2023\n2022\n2021\nCurrent income tax expense\nCurrent income tax expense\n \n \n \n \nU.S. federal\n$\n$\n1,361\n1,361\n \n$\n1,157\n \n$\n1,076\n \nU.S. state and local\n559\n559\n \n389\n \n775\n \nNon-U.S. \n1,918\n1,918\n \n1,156\n \n985\n \nTotal current expense\n3,838\n3,838\n \n2,702\n \n2,836\n \nDeferred income tax expense\nDeferred income tax expense\n \n \n \n \nU.S. federal\n(\n(\n2,241\n2,241\n)\n)\n110\n \n962\n \nU.S. state and local\n(\n(\n53\n53\n)\n)\n254\n \n491\n \nNon-U.S. \n283\n283\n \n375\n \n(\n2,291\n)\nTotal deferred expense\n(\n(\n2,011\n2,011\n)\n)\n739\n \n(\n838\n)\nTotal income tax expense\nTotal income tax expense\n$\n$\n1,827\n1,827\n \n$\n3,441\n \n$\n1,998\n \nTotal income tax expense does not reflect the tax effects of items that are\nincluded in OCI each period. For more information, see \nNote 14 \u2013\nAccumulated Other Comprehensive Income (Loss)\n. Other tax effects included\nin OCI each period resulted in an expense of $\n892\n million in 2023 and a\nbenefit of $\n4.9\n billion and $\n877\n million in 2022 and \n2021. The increase in the\nfederal deferred tax benefit was primarily driven by increased tax attribute\ncarryforwards related to the Corporation\u2019s tax-advantaged investments.\nIncome tax expense for 2023, 2022 and 2021 varied from the amount\ncomputed by applying the statutory income tax rate to income before income\ntaxes. The Corporation\u2019s federal statutory tax rate was 21 percent for 2023,\n2022 and 2021. \nA reconciliation of the expected U.S. federal income tax\nexpense, calculated by applying the federal statutory tax rate, to the\nCorporation\u2019s actual income tax expense, and the effective tax rates for 2023,\n2022 and 2021 are presented in the following table.\n149\n149\n \nBank of America", "b4c1c4a2-44ff-40af-a934-38a8b0d5ead9": "Reconciliation of Income Tax Expense\nReconciliation of Income Tax Expense\n \nAmount\nAmount\nPercent\nPercent\nAmount\nPercent\nAmount\nPercent\n(Dollars in millions)\n2023\n2023\n2022\n2021\nExpected U.S. federal income tax expense\n$\n$\n5,952\n5,952\n \n21.0\n21.0\n \n%\n%\n$\n6,504\n \n21.0\n \n%\n$\n7,135\n \n21.0\n \n%\nIncrease (decrease) in taxes resulting from:\nState tax expense, net of federal benefit\n475\n475\n \n1.7\n1.7\n \n756\n \n2.4\n \n1,087\n \n3.2\n \nAffordable housing/energy/other credits\n(\n(\n4,920\n4,920\n)\n)\n(\n(\n17.4\n17.4\n)\n)\n(\n3,698\n)\n(\n11.9\n)\n(\n3,795\n)\n(\n11.2\n)\nTax-exempt income, including dividends\n(\n(\n373\n373\n)\n)\n(\n(\n1.3\n1.3\n)\n)\n(\n273\n)\n(\n0.9\n)\n(\n352\n)\n(\n1.0\n)\nTax law changes\n(\n(\n137\n137\n)\n)\n(\n(\n0.5\n0.5\n)\n)\n186\n \n0.6\n \n(\n2,050\n)\n(\n6.0\n)\nChanges in prior-period UTBs, including interest\n(\n(\n26\n26\n)\n)\n(\n(\n0.1\n0.1\n)\n)\n(\n273\n)\n(\n0.9\n)\n(\n155\n)\n(\n0.5\n)\nRate differential on non-U.S. earnings\n601\n601\n \n2.1\n2.1\n \n368\n \n1.2\n \n45\n \n0.1\n \nNondeductible expenses\n367\n367\n \n1.3\n1.3\n \n352\n \n1.1\n \n206\n \n0.6\n \nOther\n(\n(\n112\n112\n)\n)\n(\n(\n0.4\n0.4\n)\n)\n(\n481\n)\n(\n1.5\n)\n(\n123\n)\n(\n0.3\n)\nTotal income tax expense\nTotal income tax expense\n$\n$\n1,827\n1,827\n \n6.4\n6.4\n \n%\n%\n$\n3,441\n \n11.1\n \n%\n$\n1,998\n \n5.9\n \n%\nTax Law changes reflect the impact of certain state legislative enactments\nin 2023 of approximately $\n137\n million and the 2022 and 2021 U.K. enacted\ncorporate income tax rate changes, which resulted in a negative tax\nadjustment of approximately $\n186\n million in 2022 and a positive income tax\nadjustment of approximately $\n2.0\n billion in 2021, with corresponding\nadjustments of U.K. net deferred tax assets. The U.K. net deferred tax assets\nare primarily net operating losses (NOLs), incurred by the Corporation\u2019s U.K.\nbroker-dealer entity in historical periods, which do not expire under U.K. tax law\nand are assessed regularly for impairment. If further U.K. tax law changes are\nenacted, a corresponding income tax adjustment will be made based on the\namount of available net deferred tax assets and applicable tax rate changes.\nTax credits originate from investments in affordable housing and\nrenewable energy partnerships and similar entities. Significant increases in\nthe tax credits recognized over the last three annual periods have been\nprimarily driven by the Corporation\u2019s continued growth in the volume of\ninvestments in wind and solar energy production facilities, consistent with the\nCorporation\u2019s commitment to support the transition to a lower carbon\neconomy. For more information, see \nNote 6 \u2013 Securitizations and Other\nVariable Interest Entities\n.\nThe reconciliation of the beginning unrecognized tax benefits (UTB)\nbalance to the ending balance is presented in the table below.", "0f629799-87dd-4c4b-a3c0-a68ca51c15e1": "broker-dealer entity in historical periods, which do not expire under U.K. tax law\nand are assessed regularly for impairment. If further U.K. tax law changes are\nenacted, a corresponding income tax adjustment will be made based on the\namount of available net deferred tax assets and applicable tax rate changes.\nTax credits originate from investments in affordable housing and\nrenewable energy partnerships and similar entities. Significant increases in\nthe tax credits recognized over the last three annual periods have been\nprimarily driven by the Corporation\u2019s continued growth in the volume of\ninvestments in wind and solar energy production facilities, consistent with the\nCorporation\u2019s commitment to support the transition to a lower carbon\neconomy. For more information, see \nNote 6 \u2013 Securitizations and Other\nVariable Interest Entities\n.\nThe reconciliation of the beginning unrecognized tax benefits (UTB)\nbalance to the ending balance is presented in the table below.\nReconciliation of the Change in Unrecognized Tax Benefits\nReconciliation of the Change in Unrecognized Tax Benefits\n(Dollars in millions)\n2023\n2023\n2022\n2021\nBalance, January 1\nBalance, January 1\n$\n$\n1,056\n1,056\n \n$\n1,322\n \n$\n1,340\n \nIncreases related to positions taken during the\ncurrent year\n76\n76\n \n121\n \n208\n \nIncreases related to positions taken during prior\nyears\n139\n139\n \n167\n \n265\n \nDecreases related to positions taken during prior\nyears \n(\n(\n32\n32\n)\n)\n(\n289\n)\n(\n413\n)\nSettlements\n(\n(\n380\n380\n)\n)\n(\n99\n)\n(\n23\n)\nExpiration of statute of limitations\n(\n(\n48\n48\n)\n)\n(\n166\n)\n(\n55\n)\nBalance, December 31\nBalance, December 31\n$\n$\n811\n811\n \n$\n1,056\n \n$\n1,322\n \nThe sum of the positions taken during prior years differs from the $(\n26\n) million, $(\n273\n) million and $(\n155\n) million in the\nReconciliation of Income Tax Expense table due to temporary items, state items and jurisdictional offsets, as well as the\ninclusion of interest in the Reconciliation of Income Tax Expense table.\nAt December 31, 2023, 2022 and 2021, the balance of the Corporation\u2019s\nUTBs which would, if recognized, affect the Corporation\u2019s effective tax rate was\n$\n671\n million, $\n709\n million and $\n959\n million, respectively. Included in the UTB\nbalance are some items the recognition of which would not affect the effective\ntax rate, such as the tax effect of certain temporary differences, the portion of\ngross state UTBs that would be offset by the tax benefit of the associated\nfederal deduction and the portion of gross non-U.S. UTBs that would be offset\nby tax reductions in other jurisdictions.\nIt is reasonably possible that the UTB balance may decrease by as much\nas $\n109\n million during the next 12 months, since resolved items will be\nremoved from the balance whether their resolution results in payment or\nrecognition.\nThe Corporation recognized an interest expense of $\n35\n million in 2023 and\ninterest benefit of $\n50\n million in 2022 and interest expense of $\n32\n million in\n2021. At December 31, 2023 and 2022, the Corporation\u2019s accrual for interest\nand penalties that related to income taxes, net of taxes and remittances, was\n$\n134\n million and $\n107\n million.\nThe Corporation files income tax returns in more than \n100\n states and non-\nU.S. jurisdictions each year. The IRS and other tax authorities in countries and\nstates in which the Corporation has significant business operations examine\ntax returns periodically (continuously in some jurisdictions). \nThe table below\nsummarizes the status of examinations by major jurisdiction for the\nCorporation and various subsidiaries at December 31, 2023.\nTax Examination Status\nTax Examination Status\nYears under\nYears under\nExamination \nExamination \nStatus at\nStatus at\nDecember 31, 2023\nDecember 31, 2023\nUnited States\n2017-2021\nField Examination\nCalifornia\n2015-2017\nField Examination\nCalifornia\n2018-2021\nTo begin in 2024\nNew York\n2019-2021\nField Examination\nUnited Kingdom \n2021\nField Examination\nAll tax years subsequent to the years shown remain subject to examination.\nField examination for tax year 2022 to begin in 2024.", "1cc7a1ce-5a64-4278-bea6-96b536d8f43f": "jurisdictions each year. The IRS and other tax authorities in countries and\nstates in which the Corporation has significant business operations examine\ntax returns periodically (continuously in some jurisdictions). \nThe table below\nsummarizes the status of examinations by major jurisdiction for the\nCorporation and various subsidiaries at December 31, 2023.\nTax Examination Status\nTax Examination Status\nYears under\nYears under\nExamination \nExamination \nStatus at\nStatus at\nDecember 31, 2023\nDecember 31, 2023\nUnited States\n2017-2021\nField Examination\nCalifornia\n2015-2017\nField Examination\nCalifornia\n2018-2021\nTo begin in 2024\nNew York\n2019-2021\nField Examination\nUnited Kingdom \n2021\nField Examination\nAll tax years subsequent to the years shown remain subject to examination.\nField examination for tax year 2022 to begin in 2024.\nSignificant components of the Corporation\u2019s net deferred tax assets and\nliabilities at December 31, 2023 and 2022 are presented in the following table.\n \n(1)\n(1)\n(1) \n(1)\n(1)\n(2)\n(1) \n(2) \nBank of America \n150\n150", "4073fc68-3076-4c7e-9c2d-89a4f2f7c959": "Deferred Tax Assets and Liabilities\nDeferred Tax Assets and Liabilities\n \nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\nDeferred tax assets\nDeferred tax assets\n \n \nTax attribute carryforwards \n$\n$\n11,084\n11,084\n \n$\n9,798\n \nSecurity, loan and debt valuations \n3,991\n3,991\n \n5,748\n \nAllowance for credit losses\n3,518\n3,518\n \n3,503\n \nLease liability\n2,328\n2,328\n \n2,443\n \nEmployee compensation and retirement benefits\n1,698\n1,698\n \n1,625\n \nAccrued expenses\n1,640\n1,640\n \n1,143\n \nOther\n1,475\n1,475\n \n1,371\n \nGross deferred tax assets\n25,734\n25,734\n \n25,631\n \nValuation allowance\n(\n(\n2,108\n2,108\n)\n)\n(\n2,133\n)\nTotal deferred tax assets, net of valuation\n allowance\n23,626\n23,626\n \n23,498\n \n \n \nDeferred tax liabilities\nDeferred tax liabilities\nEquipment lease financing\n2,488\n2,488\n \n2,432\n \nRight-of-use asset\n2,180\n2,180\n \n2,303\n \nTax credit investments\n1,884\n1,884\n \n1,759\n \nFixed Assets\n789\n789\n \n1,200\n \nOther\n1,913\n1,913\n \n2,459\n \nGross deferred tax liabilities\n9,254\n9,254\n \n10,153\n \nNet deferred tax assets\n$\n$\n14,372\n14,372\n \n$\n13,345\n \nIncludes both net operating loss and tax credit carryforwards.\nIncludes AFS debt securities.\nThe table below summarizes the deferred tax assets and related valuation\nallowances recognized for the net operating loss (NOL) and tax credit\ncarryforwards at December 31, 2023.\nNet Operating Loss and Tax Credit Carryforward Deferred Tax\nNet Operating Loss and Tax Credit Carryforward Deferred Tax\nAssets\nAssets\n(Dollars in millions)\nDeferred\nDeferred\nTax Asset\nTax Asset\nValuation\nValuation\nAllowance\nAllowance\nNet\nNet\nDeferred\nDeferred\nTax Asset\nTax Asset\nFirst Year\nFirst Year\nExpiring\nExpiring\nNet operating losses - \nU.K.\n$\n7,588\n \n$\n\u2014\n \n$\n$\n7,588\n7,588\n \nNone\nNet operating losses - other\nnon-U.S. \n235\n \n(\n44\n)\n191\n191\n \nVarious\nNet operating losses - U.S.\nstates \n807\n \n(\n471\n)\n336\n336\n \nVarious\nGeneral business credits\n1,557\n \n\u2014\n \n1,557\n1,557\n \nVarious\nForeign tax credits\n897\n \n(\n897\n)\n\u2014\n\u2014\n \nAfter 2028\nRepresents U.K. broker-dealer net operating losses that may be carried forward indefinitely.\nThe net operating losses and related valuation allowances for U.S. states before considering the benefit of federal deductions\nwere $\n1.0\n billion and $\n597\n million.\nManagement concluded that \nno\n valuation allowance was necessary to\nreduce the deferred tax assets related to the U.K. NOL carryforwards and U.S.\nfederal and certain state NOL carryforwards since estimated future taxable\nincome will be sufficient to utilize these assets prior to their expiration. The\nmajority of the Corporation\u2019s U.K. net deferred tax assets, which consist\nprimarily of NOLs, are expected to be realized by certain subsidiaries over an\nextended number of years. Management\u2019s conclusion is supported by\nfinancial results, profit forecasts for the relevant entities and the indefinite\nperiod to carry forward NOLs. However, a material change in those estimates\ncould lead management to reassess such valuation allowance conclusions.\nAt December 31, 2023, U.S. federal income taxes had not been provided on\napproximately $\n5.0\n billion of temporary differences associated with\ninvestments in non-U.S. subsidiaries that are essentially permanent in\nduration. If the Corporation were to record the associated deferred tax liability,\nthe amount would be approximately $\n1.0\n billion.\nNOTE 20 \nNOTE 20 \nFair Value Measurements\nFair Value Measurements\nUnder applicable accounting standards, fair value is defined as the exchange\nprice that would be received for an asset or paid to transfer a liability (an exit\nprice) in the principal or most advantageous market for the asset or liability in\nan orderly transaction between market participants on the measurement date.", "f42c4332-dd0f-477f-bb2f-86bb959b0c5d": "However, a material change in those estimates\ncould lead management to reassess such valuation allowance conclusions.\nAt December 31, 2023, U.S. federal income taxes had not been provided on\napproximately $\n5.0\n billion of temporary differences associated with\ninvestments in non-U.S. subsidiaries that are essentially permanent in\nduration. If the Corporation were to record the associated deferred tax liability,\nthe amount would be approximately $\n1.0\n billion.\nNOTE 20 \nNOTE 20 \nFair Value Measurements\nFair Value Measurements\nUnder applicable accounting standards, fair value is defined as the exchange\nprice that would be received for an asset or paid to transfer a liability (an exit\nprice) in the principal or most advantageous market for the asset or liability in\nan orderly transaction between market participants on the measurement date.\nThe Corporation determines the fair values of its financial instruments under\napplicable accounting standards that require an entity to maximize the use of\nobservable inputs and minimize the use of unobservable inputs. The\nCorporation categorizes its financial instruments into three levels based on\nthe established fair value hierarchy and conducts a review of fair value\nhierarchy classifications on a quarterly basis. Transfers into or out of fair value\nhierarchy classifications are made if the significant inputs used in the financial\nmodels measuring the fair values of the assets and liabilities become\nunobservable or observable in the current marketplace. For more information\nregarding the fair value hierarchy and how the Corporation measures fair\nvalue, see \nNote 1 \u2013 Summary of Significant Accounting Principles\n. The\nCorporation accounts for certain financial instruments under the fair value\noption. For more information, see \nNote 21 \u2013 Fair Value Option.\nValuation Techniques\nValuation Techniques\nThe following sections outline the valuation methodologies for the\nCorporation\u2019s assets and liabilities. While the Corporation believes its\nvaluation methods are appropriate and consistent with other market\nparticipants, the use of different methodologies or assumptions to determine\nthe fair value of certain financial instruments could result in a different estimate\nof fair value at the reporting date.\nDuring 2023, there were no significant changes to valuation approaches or\ntechniques that had, or are expected to have, a material impact on the\nCorporation\u2019s consolidated financial position or results of operations.\nTrading Account Assets and Liabilities and Debt Securities\nTrading Account Assets and Liabilities and Debt Securities\nThe fair values of trading account assets and liabilities are primarily based on\nactively traded markets where prices are based on either direct market quotes\nor observed transactions. The fair values of debt securities are generally\nbased on quoted market prices or market prices for similar assets. Liquidity is\na significant factor in the determination of the fair values of trading account\nassets and liabilities and debt securities. Market price quotes may not be\nreadily available for some positions such as positions within a market sector\nwhere trading activity has slowed significantly or ceased. Some of these\ninstruments are valued using a discounted cash flow model, which estimates\nthe fair value of the securities using internal credit risk, and interest rate and\nprepayment risk models that incorporate management\u2019s best estimate of\ncurrent key assumptions such as default rates, loss severity and prepayment\nrates. Principal and interest cash flows are discounted using an observable\ndiscount rate for similar instruments with adjustments that management\nbelieves a market participant would consider in determining fair value for the\nspecific security. Other instruments are valued using a net asset value\napproach which considers the value of the underlying securities. Underlying\nassets are valued using external pricing services, where available, or matrix\npricing based on the vintages and ratings. Situations of illiquidity generally are\ntriggered by the market\u2019s perception of credit uncertainty regarding a single\ncompany or a specific market sector. In these instances, fair value is\ndetermined based on limited available market information and other factors,\n(1)\n(2)\n(1)\n(2)\n(1)\n(2)\n(1)\n(2)\n151\n151\n \nBank of America", "3169a747-ecbb-4d1b-9b02-8964db5cbff3": "principally from reviewing the issuer\u2019s financial statements and changes in\ncredit ratings made by one or more rating agencies.\nDerivative Assets and Liabilities\nDerivative Assets and Liabilities\nThe fair values of derivative assets and liabilities traded in the OTC market are\ndetermined using quantitative models that utilize multiple market inputs\nincluding interest rates, prices and indices to generate continuous yield or\npricing curves and volatility factors to value the position. The majority of market\ninputs are actively quoted and can be validated through external sources,\nincluding brokers, market transactions and third-party pricing services. When\nthird-party pricing services are used, the methods and assumptions are\nreviewed by the Corporation. Estimation risk is greater for derivative asset and\nliability positions that are either option-based or have longer maturity dates\nwhere observable market inputs are less readily available, or are\nunobservable, in which case, quantitative-based extrapolations of rate, price or\nindex scenarios are used in determining fair values. The fair values of\nderivative assets and liabilities include adjustments for market liquidity,\ncounterparty credit quality and other instrument-specific factors, where\nappropriate. In addition, the Corporation incorporates within its fair value\nmeasurements of OTC derivatives a valuation adjustment to reflect the credit\nrisk associated with the net position. Positions are netted by counterparty, and\nfair value for net long exposures is adjusted for counterparty credit risk while\nthe fair value for net short exposures is adjusted for the Corporation\u2019s own\ncredit risk. The Corporation also incorporates FVA within its fair value\nmeasurements to include funding costs on uncollateralized derivatives and\nderivatives where the Corporation is not permitted to use the collateral it\nreceives. An estimate of severity of loss is also used in the determination of\nfair value, primarily based on market data.\nLoans and Loan Commitments\nLoans and Loan Commitments\nThe fair values of loans and loan commitments are based on market prices,\nwhere available, or discounted cash flow analyses using market-based credit\nspreads of comparable debt instruments or credit derivatives of the specific\nborrower or comparable borrowers. Results of discounted cash flow analyses\nmay be adjusted, as appropriate, to reflect other market conditions or the\nperceived credit risk of the borrower.\nMortgage Servicing Rights\nMortgage Servicing Rights\nThe fair values of MSRs are primarily determined using an option-adjusted\nspread valuation approach, which factors in prepayment risk to determine the\nfair value of MSRs. This approach consists of projecting servicing cash flows\nunder multiple interest rate scenarios and discounting these cash flows using\nrisk-adjusted discount rates.\nLoans Held-for-sale\nLoans Held-for-sale\nThe fair values of LHFS are based on quoted market prices, where available,\nor are determined by discounting estimated cash flows using interest rates\napproximating the Corporation\u2019s current origination rates for similar loans\nadjusted to reflect the inherent credit risk. The borrower-specific credit risk is\nembedded within the quoted market prices or is implied by considering loan\nperformance when selecting comparables.\nShort-term Borrowings and Long-term Debt\nShort-term Borrowings and Long-term Debt\nThe Corporation issues structured liabilities that have coupons or repayment\nterms linked to the performance of debt or equity securities, interest rates,\nindices, currencies or commodities. The fair values of these structured\nliabilities are estimated using quantitative models for the combined derivative\nand debt portions of the notes. These models incorporate observable and, in\nsome instances, unobservable inputs including security prices, interest rate\nyield curves, option volatility, currency, commodity or equity rates and\ncorrelations among these inputs. The Corporation also considers the impact\nof its own credit spread in determining the discount rate used to value these\nliabilities. The credit spread is determined by reference to observable spreads\nin the secondary bond market.\nSecurities Financing Agreements\nSecurities Financing Agreements\nThe fair values of certain reverse repurchase agreements, repurchase\nagreements and securities borrowed transactions are determined using\nquantitative models, including discounted cash flow models that require the\nuse of multiple market inputs including interest rates and spreads to generate\ncontinuous yield or pricing curves, and volatility factors. The majority of market\ninputs are actively quoted and can be validated through external sources,\nincluding brokers, market transactions and third-party pricing services.\nDeposits\nDeposits\nThe fair values of deposits are determined using quantitative models,\nincluding discounted cash flow models that require the use of multiple market\ninputs including interest rates and spreads to generate continuous yield or\npricing curves, and volatility factors. The majority of market inputs are actively\nquoted and can be validated through external sources, including brokers,\nmarket transactions and third-party pricing services.", "ad8f7ba3-729c-4c62-8e69-29ec06400f3f": "The credit spread is determined by reference to observable spreads\nin the secondary bond market.\nSecurities Financing Agreements\nSecurities Financing Agreements\nThe fair values of certain reverse repurchase agreements, repurchase\nagreements and securities borrowed transactions are determined using\nquantitative models, including discounted cash flow models that require the\nuse of multiple market inputs including interest rates and spreads to generate\ncontinuous yield or pricing curves, and volatility factors. The majority of market\ninputs are actively quoted and can be validated through external sources,\nincluding brokers, market transactions and third-party pricing services.\nDeposits\nDeposits\nThe fair values of deposits are determined using quantitative models,\nincluding discounted cash flow models that require the use of multiple market\ninputs including interest rates and spreads to generate continuous yield or\npricing curves, and volatility factors. The majority of market inputs are actively\nquoted and can be validated through external sources, including brokers,\nmarket transactions and third-party pricing services. The Corporation\nconsiders the impact of its own credit spread in the valuation of these\nliabilities. The credit risk is determined by reference to observable credit\nspreads in the secondary cash market.\nAsset-backed Secured Financings\nAsset-backed Secured Financings\nThe fair values of asset-backed secured financings are based on external\nbroker bids, where available, or are determined by discounting estimated cash\nflows using interest rates approximating the Corporation\u2019s current origination\nrates for similar loans, adjusted to reflect the inherent credit risk.\nBank of America \n152\n152", "93f92816-047c-4bdb-8e2e-1271f8bf7adb": "Recurring Fair Value\nRecurring Fair Value\nAssets and liabilities carried at fair value on a recurring basis at December 31, 2023 and 2022, including financial instruments that the Corporation accounts for\nunder the fair value option, are summarized in the following tables.\nDecember 31, 2023\nDecember 31, 2023\n \nFair Value Measurements\nFair Value Measurements\n(Dollars in millions)\nLevel 1\nLevel 1\nLevel 2\nLevel 2\nLevel 3\nLevel 3\nNetting\nNetting\nAdjustments \nAdjustments \nAssets/Liabilities at\nAssets/Liabilities at\nFair Value\nFair Value\nAssets\nAssets\n \n \n \n \n \n \n \n \n \n \nTime deposits placed and other short-term investments\n$\n$\n1,181\n1,181\n \n$\n$\n\u2014\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n$\n1,181\n1,181\n \nFederal funds sold and securities borrowed or purchased under agreements to\nresell\n\u2014\n\u2014\n \n436,340\n436,340\n \n\u2014\n\u2014\n \n(\n(\n303,287\n303,287\n)\n)\n133,053\n133,053\n \nTrading account assets:\n \n \n \n \n \n \n \n \n \n \nU.S. Treasury and government agencies\n65,160\n65,160\n \n1,963\n1,963\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n67,123\n67,123\n \nCorporate securities, trading loans and other\n\u2014\n\u2014\n \n41,462\n41,462\n \n1,689\n1,689\n \n\u2014\n\u2014\n \n43,151\n43,151\n \nEquity securities\n47,431\n47,431\n \n41,380\n41,380\n \n187\n187\n \n\u2014\n\u2014\n \n88,998\n88,998\n \nNon-U.S. sovereign debt\n5,517\n5,517\n \n21,195\n21,195\n \n396\n396\n \n\u2014\n\u2014\n \n27,108\n27,108\n \nMortgage trading loans, MBS and ABS:\nU.S. government-sponsored agency guaranteed\n\u2014\n\u2014\n \n38,802\n38,802\n \n2\n2\n \n\u2014\n\u2014\n \n38,804\n38,804\n \nMortgage trading loans, ABS and other MBS\n\u2014\n\u2014\n \n10,955\n10,955\n \n1,215\n1,215\n \n\u2014\n\u2014\n \n12,170\n12,170\n \nTotal trading account assets \n118,108\n118,108\n \n155,757\n155,757\n \n3,489\n3,489\n \n\u2014\n\u2014\n \n277,354\n277,354\n \nDerivative assets\n14,676\n14,676\n \n272,244\n272,244\n \n3,422\n3,422\n \n(\n(\n251,019\n251,019\n)\n)\n39,323\n39,323\n \nAFS debt securities:\n \n \n \n \n \n \n \n \n \n \nU.S. Treasury and government agencies\n176,764\n176,764\n \n902\n902\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n177,666\n177,666\n \nMortgage-backed securities:\n \n \n \n \n \n \n \n \n \n \nAgency\n\u2014\n\u2014\n \n37,812\n37,812\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n37,812\n37,812\n \nAgency-collateralized mortgage obligations\n\u2014\n\u2014\n \n2,544\n2,544\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n2,544\n2,544\n \nNon-agency residential\n\u2014\n\u2014\n \n109\n109\n \n273\n273\n \n\u2014\n\u2014\n \n382\n382\n \nCommercial\n\u2014\n\u2014\n \n10,435\n10,435\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n10,435\n10,435\n \nNon-U.S. securities\n1,093\n1,093\n \n21,679\n21,679\n \n103\n103\n \n\u2014\n\u2014\n \n22,875\n22,875\n \nOther taxable securities\n\u2014\n\u2014\n \n4,835\n4,835\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n4,835\n4,835\n \nTax-exempt securities\n\u2014\n\u2014\n \n10,100\n10,100\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n10,100\n10,100\n \nTotal AFS debt securities\n177,857\n177,857\n \n88,416\n88,416\n \n376\n376\n \n\u2014\n\u2014\n \n266,649\n266,649\n \nOther debt securities carried at fair value:\nU.S.", "83f79c49-364f-480d-ba1a-e4b2e1e66318": "securities\n1,093\n1,093\n \n21,679\n21,679\n \n103\n103\n \n\u2014\n\u2014\n \n22,875\n22,875\n \nOther taxable securities\n\u2014\n\u2014\n \n4,835\n4,835\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n4,835\n4,835\n \nTax-exempt securities\n\u2014\n\u2014\n \n10,100\n10,100\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n10,100\n10,100\n \nTotal AFS debt securities\n177,857\n177,857\n \n88,416\n88,416\n \n376\n376\n \n\u2014\n\u2014\n \n266,649\n266,649\n \nOther debt securities carried at fair value:\nU.S. Treasury and government agencies\n1,690\n1,690\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n1,690\n1,690\n \nNon-agency residential MBS\n\u2014\n\u2014\n \n211\n211\n \n69\n69\n \n\u2014\n\u2014\n \n280\n280\n \nNon-U.S. and other securities\n1,786\n1,786\n \n6,447\n6,447\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n8,233\n8,233\n \nTotal other debt securities carried at fair value\n3,476\n3,476\n \n6,658\n6,658\n \n69\n69\n \n\u2014\n\u2014\n \n10,203\n10,203\n \nLoans and leases\n\u2014\n\u2014\n \n3,476\n3,476\n \n93\n93\n \n\u2014\n\u2014\n \n3,569\n3,569\n \nLoans held-for-sale\n\u2014\n\u2014\n \n1,895\n1,895\n \n164\n164\n \n\u2014\n\u2014\n \n2,059\n2,059\n \nOther assets \n8,052\n8,052\n \n2,152\n2,152\n \n1,657\n1,657\n \n\u2014\n\u2014\n \n11,861\n11,861\n \nTotal assets\nTotal assets\n$\n$\n323,350\n323,350\n \n$\n$\n966,938\n966,938\n \n$\n$\n9,270\n9,270\n \n$\n$\n(\n(\n554,306\n554,306\n)\n)\n$\n$\n745,252\n745,252\n \nLiabilities\nLiabilities\n \n \n \n \n \n \n \n \n \n \nInterest-bearing deposits in U.S. offices\n$\n$\n\u2014\n\u2014\n \n$\n$\n284\n284\n \n$\n$\n\u2014\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n$\n284\n284\n \nFederal funds purchased and securities loaned or sold under agreements to\nrepurchase\n\u2014\n\u2014\n \n481,896\n481,896\n \n\u2014\n\u2014\n \n(\n(\n303,287\n303,287\n)\n)\n178,609\n178,609\n \nTrading account liabilities:\n \n \n \n \n \n \n \n \nU.S. Treasury and government agencies\n14,908\n14,908\n \n65\n65\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n14,973\n14,973\n \nEquity securities\n51,772\n51,772\n \n4,710\n4,710\n \n12\n12\n \n\u2014\n\u2014\n \n56,494\n56,494\n \nNon-U.S.", "0c5eb933-4f74-4def-9b54-0163e78ba9dc": "offices\n$\n$\n\u2014\n\u2014\n \n$\n$\n284\n284\n \n$\n$\n\u2014\n\u2014\n \n$\n$\n\u2014\n\u2014\n \n$\n$\n284\n284\n \nFederal funds purchased and securities loaned or sold under agreements to\nrepurchase\n\u2014\n\u2014\n \n481,896\n481,896\n \n\u2014\n\u2014\n \n(\n(\n303,287\n303,287\n)\n)\n178,609\n178,609\n \nTrading account liabilities:\n \n \n \n \n \n \n \n \nU.S. Treasury and government agencies\n14,908\n14,908\n \n65\n65\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n14,973\n14,973\n \nEquity securities\n51,772\n51,772\n \n4,710\n4,710\n \n12\n12\n \n\u2014\n\u2014\n \n56,494\n56,494\n \nNon-U.S. sovereign debt\n9,390\n9,390\n \n6,997\n6,997\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n16,387\n16,387\n \nCorporate securities and other\n\u2014\n\u2014\n \n7,637\n7,637\n \n39\n39\n \n\u2014\n\u2014\n \n7,676\n7,676\n \nTotal trading account liabilities\n76,070\n76,070\n \n19,409\n19,409\n \n51\n51\n \n\u2014\n\u2014\n \n95,530\n95,530\n \nDerivative liabilities\n14,375\n14,375\n \n280,908\n280,908\n \n5,916\n5,916\n \n(\n(\n257,767\n257,767\n)\n)\n43,432\n43,432\n \nShort-term borrowings\n\u2014\n\u2014\n \n4,680\n4,680\n \n10\n10\n \n\u2014\n\u2014\n \n4,690\n4,690\n \nAccrued expenses and other liabilities\n8,969\n8,969\n \n2,483\n2,483\n \n21\n21\n \n\u2014\n\u2014\n \n11,473\n11,473\n \nLong-term debt\n\u2014\n\u2014\n \n42,195\n42,195\n \n614\n614\n \n\u2014\n\u2014\n \n42,809\n42,809\n \nTotal liabilities \nTotal liabilities \n$\n$\n99,414\n99,414\n \n$\n$\n831,855\n831,855\n \n$\n$\n6,612\n6,612\n \n$\n$\n(\n(\n561,054\n561,054\n)\n)\n$\n$\n376,827\n376,827\n \nAmounts represent the impact of legally enforceable master netting agreements and also cash collateral held or placed with the same counterparties.\nIncludes securities with a fair value of $\n18.0\n billion that were segregated in compliance with securities regulations or deposited with clearing organizations. This amount is included in the parenthetical disclosure on the Consolidated Balance Sheet. Trading\naccount assets also includes certain commodities inventory of $\n42\n million that is accounted for at the lower of cost or net realizable value, which is the current selling price less any costs to sell.\nIncludes MSRs, which are classified as Level 3 assets, of $\n970\n million.\nTotal recurring Level 3 assets were \n0.29\n percent of total consolidated assets, and total recurring Level 3 liabilities were \n0.23\n percent of total consolidated liabilities.\n(1)\n(1)\n(2)\n(3)\n (4)\n (4)\n(4)\n(4)\n(1)\n(2)\n(3)\n(4)\n153\n153\n \nBank of America", "b413748d-9b7d-4b74-9e74-04877ee00561": "December 31, 2022\nFair Value Measurements\n(Dollars in millions)\nLevel 1\nLevel 2\nLevel 3\nNetting Adjustments \nAssets/Liabilities at\nFair Value\nAssets\nAssets\n \n \n \n \n \nTime deposits placed and other short-term investments\n$\n868\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014 \n$\n868\n \nFederal funds sold and securities borrowed or purchased under agreements to resell\n\u2014\n \n146,999\n \n\u2014\n \n\u2014 \n146,999\n \nTrading account assets:\n \n \n \n \n \nU.S. Treasury and government agencies\n58,894\n \n212\n \n\u2014\n \n\u2014 \n59,106\n \nCorporate securities, trading loans and other\n\u2014\n \n46,897\n \n2,384\n \n\u2014 \n49,281\n \nEquity securities\n77,868\n \n35,065\n \n145\n \n\u2014 \n113,078\n \nNon-U.S. sovereign debt\n7,392\n \n26,306\n \n518\n \n\u2014 \n34,216\n \nMortgage trading loans, MBS and ABS:\nU.S. government-sponsored agency guaranteed\n\u2014\n \n28,563\n \n34\n \n\u2014 \n28,597\n \nMortgage trading loans, ABS and other MBS\n\u2014\n \n10,312\n \n1,518\n \n\u2014 \n11,830\n \nTotal trading account assets \n144,154\n \n147,355\n \n4,599\n \n\u2014 \n296,108\n \nDerivative assets\n14,775\n \n380,380\n \n3,213\n \n(\n349,726\n)\n48,642\n \nAFS debt securities:\n \n \n \n \n \nU.S. Treasury and government agencies\n158,102\n \n920\n \n\u2014\n \n\u2014 \n159,022\n \nMortgage-backed securities:\n \n \n \n \n \nAgency\n\u2014\n \n23,442\n \n\u2014\n \n\u2014 \n23,442\n \nAgency-collateralized mortgage obligations\n\u2014\n \n2,221\n \n\u2014\n \n\u2014 \n2,221\n \nNon-agency residential\n\u2014\n \n128\n \n258\n \n\u2014 \n386\n \nCommercial\n\u2014\n \n6,407\n \n\u2014\n \n\u2014 \n6,407\n \nNon-U.S. securities\n\u2014\n \n13,212\n \n195\n \n\u2014 \n13,407\n \nOther taxable securities\n\u2014\n \n4,645\n \n\u2014\n \n\u2014 \n4,645\n \nTax-exempt securities\n\u2014\n \n11,207\n \n51\n \n\u2014 \n11,258\n \nTotal AFS debt securities\n158,102\n \n62,182\n \n504\n \n\u2014 \n220,788\n \nOther debt securities carried at fair value:\nU.S. Treasury and government agencies\n561\n \n\u2014\n \n\u2014\n \n\u2014 \n561\n \nNon-agency residential MBS\n\u2014\n \n248\n \n119\n \n\u2014 \n367\n \nNon-U.S. and other securities\n3,027\n \n5,251\n \n\u2014\n \n\u2014 \n8,278\n \nTotal other debt securities carried at fair value\n3,588\n \n5,499\n \n119\n \n\u2014 \n9,206\n \nLoans and leases\n\u2014\n \n5,518\n \n253\n \n\u2014 \n5,771\n \nLoans held-for-sale\n\u2014\n \n883\n \n232\n \n\u2014 \n1,115\n \nOther assets \n6,898\n \n897\n \n1,799\n \n\u2014 \n9,594\n \nTotal assets \nTotal assets \n$\n328,385\n \n$\n749,713\n \n$\n10,719\n \n$\n(\n349,726\n)\n$\n739,091\n \nLiabilities\nLiabilities\n \n \n \n \n \nInterest-bearing deposits in U.S. offices\n$\n\u2014\n \n$\n311\n \n$\n\u2014\n \n$\n\u2014 \n$\n311\n \nFederal funds purchased and securities loaned or sold under agreements to\nrepurchase\n\u2014\n \n151,708\n \n\u2014\n \n\u2014 \n151,708\n \nTrading account liabilities:\n \n \n \n \nU.S. Treasury and government agencies\n13,906\n \n181\n \n\u2014\n \n\u2014 \n14,087\n \nEquity securities\n36,937\n \n4,825\n \n\u2014\n \n\u2014 \n41,762\n \nNon-U.S.", "a834a958-f5e4-4f94-b9db-16b9976dea62": "offices\n$\n\u2014\n \n$\n311\n \n$\n\u2014\n \n$\n\u2014 \n$\n311\n \nFederal funds purchased and securities loaned or sold under agreements to\nrepurchase\n\u2014\n \n151,708\n \n\u2014\n \n\u2014 \n151,708\n \nTrading account liabilities:\n \n \n \n \nU.S. Treasury and government agencies\n13,906\n \n181\n \n\u2014\n \n\u2014 \n14,087\n \nEquity securities\n36,937\n \n4,825\n \n\u2014\n \n\u2014 \n41,762\n \nNon-U.S. sovereign debt\n9,636\n \n8,228\n \n\u2014\n \n\u2014 \n17,864\n \nCorporate securities and other\n\u2014\n \n6,628\n \n58\n \n\u2014 \n6,686\n \nTotal trading account liabilities\n60,479\n \n19,862\n \n58\n \n\u2014 \n80,399\n \nDerivative liabilities\n15,431\n \n376,979\n \n6,106\n \n(\n353,700\n)\n44,816\n \nShort-term borrowings\n\u2014\n \n818\n \n14\n \n\u2014 \n832\n \nAccrued expenses and other liabilities\n7,458\n \n2,262\n \n32\n \n\u2014 \n9,752\n \nLong-term debt\n\u2014\n \n32,208\n \n862\n \n\u2014 \n33,070\n \nTotal liabilities \nTotal liabilities \n$\n83,368\n \n$\n584,148\n \n$\n7,072\n \n$\n(\n353,700\n)\n$\n320,888\n \nAmounts represent the impact of legally enforceable derivative master netting agreements and also cash collateral held or placed with the same counterparties.\nAmounts have been netted by $\n221.7\n billion to reflect the application of legally enforceable master netting agreements.\nIncludes securities with a fair value of $\n16.6\n billion that were segregated in compliance with securities regulations or deposited with clearing organizations. This amount is included in the parenthetical disclosure on the Consolidated Balance Sheet. Trading\naccount assets also includes certain commodities inventory of $\n40\n million that is accounted for at the lower of cost or net realizable value, which is the current selling price less any costs to sell.\nIncludes MSRs, which are classified as Level 3 assets, of $\n1.0\n billion.\nTotal recurring Level 3 assets were \n0.35\n percent of total consolidated assets, and total recurring Level 3 liabilities were \n0.25\n percent of total consolidated liabilities.\n(1)\n(2)\n(3)\n(4)\n(5)\n(5)\n (2)\n(5)\n(5)\n(1)\n(2)\n(3)\n(4)\n(5)\nBank of America \n154\n154", "eb6bb08b-3c4d-46a6-92ef-3cec1a88e92e": "The following tables present a reconciliation of all assets and liabilities\nmeasured at fair value on a recurring basis using significant unobservable\ninputs (Level 3) during 2023, 2022 and 2021, including net realized and\nunrealized gains (losses) included in earnings and accumulated OCI.\nTransfers into Level 3 occur primarily due to decreased price observability, and\ntransfers out of Level 3 occur primarily due to increased price observability.\nTransfers occur on a regular basis for long-term debt instruments due to\nchanges in the impact of unobservable inputs on the value of the embedded\nderivative in relation to the instrument as a whole.\nLevel 3 \u2013 Fair Value Measurements \nLevel 3 \u2013 Fair Value Measurements \nBalance\nBalance\nJanuary 1\nJanuary 1\nTotal\nTotal\nRealized/Unrealized\nRealized/Unrealized\nGains (Losses) in\nGains (Losses) in\nNet Income \nNet Income \nGains\nGains\n(Losses)\n(Losses)\nin OCI \nin OCI \nGross\nGross\nGross\nGross\nTransfers\nTransfers\ninto\ninto\nLevel 3 \nLevel 3 \nGross\nGross\nTransfers\nTransfers\nout of\nout of\nLevel 3 \nLevel 3 \nBalance\nBalance\nDecember 31\nDecember 31\nChange in\nChange in\nUnrealized\nUnrealized\nGains (Losses)\nGains (Losses)\nin Net Income\nin Net Income\nRelated to\nRelated to\nFinancial\nFinancial\nInstruments\nInstruments\nStill Held \nStill Held \n(Dollars in millions)\nPurchases\nPurchases\nSales\nSales\nIssuances\nIssuances\nSettlements\nSettlements\nYear Ended December 31, 2023\nFederal funds sold and securities borrowed or\npurchased under agreements to resell\n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \n$\n7\n \n$\n(\n7\n)\n$\n\u2014\n \n$\n\u2014\n \nTrading account assets:\n \n \n \n \n \n \n \nCorporate securities, trading loans and other\n2,384\n2,384\n \n144\n144\n \n2\n2\n \n453\n453\n \n(\n(\n241\n241\n)\n)\n20\n20\n \n(\n(\n1,029\n1,029\n)\n)\n385\n385\n \n(\n(\n429\n429\n)\n)\n1,689\n1,689\n \n50\n50\n \nEquity securities\n145\n145\n \n44\n44\n \n\u2014\n\u2014\n \n39\n39\n \n(\n(\n52\n52\n)\n)\n\u2014\n\u2014\n \n(\n(\n61\n61\n)\n)\n153\n153\n \n(\n(\n81\n81\n)\n)\n187\n187\n \n(\n(\n5\n5\n)\n)\nNon-U.S.", "1034df4a-9a50-4f60-8c13-b3ed43a15017": "sovereign debt\n518\n518\n \n68\n68\n \n30\n30\n \n64\n64\n \n(\n(\n23\n23\n)\n)\n\u2014\n\u2014\n \n(\n(\n259\n259\n)\n)\n\u2014\n\u2014\n \n(\n(\n2\n2\n)\n)\n396\n396\n \n70\n70\n \nMortgage trading loans, MBS and ABS\n1,552\n1,552\n \n(\n(\n50\n50\n)\n)\n\u2014\n\u2014\n \n263\n263\n \n(\n(\n417\n417\n)\n)\n\u2014\n\u2014\n \n(\n(\n241\n241\n)\n)\n436\n436\n \n(\n(\n326\n326\n)\n)\n1,217\n1,217\n \n(\n(\n71\n71\n)\n)\nTotal trading account assets\n4,599\n4,599\n \n206\n206\n \n32\n32\n \n819\n819\n \n(\n(\n733\n733\n)\n)\n20\n20\n \n(\n(\n1,590\n1,590\n)\n)\n974\n974\n \n(\n(\n838\n838\n)\n)\n3,489\n3,489\n \n44\n44\n \nNet derivative assets (liabilities) \n(\n(\n2,893\n2,893\n)\n)\n179\n179\n \n(\n(\n375\n375\n)\n)\n1,318\n1,318\n \n(\n(\n1,281\n1,281\n)\n)\n\u2014\n\u2014\n \n(\n(\n1,575\n1,575\n)\n)\n(\n(\n8\n8\n)\n)\n2,141\n2,141\n \n(\n(\n2,494\n2,494\n)\n)\n(\n(\n857\n857\n)\n)\nAFS debt securities:\n \n \n \n \n \n \n \n \n \n \nNon-agency residential MBS\n258\n258\n \n1\n1\n \n23\n23\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n(\n(\n9\n9\n)\n)\n\u2014\n\u2014\n \n\u2014\n\u2014\n \n273\n273\n \n2\n2\n \nNon-U.S.", "d9231c17-601d-4966-8c23-b5048654ed99": "and other taxable securities\n195\n195\n \n10\n10\n \n7\n7\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n(\n(\n106\n106\n)\n)\n4\n4\n \n(\n(\n7\n7\n)\n)\n103\n103\n \n2\n2\n \nTax-exempt securities\n51\n51\n \n1\n1\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n(\n(\n52\n52\n)\n)\n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \nTotal AFS debt securities\n504\n504\n \n12\n12\n \n30\n30\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n(\n(\n167\n167\n)\n)\n4\n4\n \n(\n(\n7\n7\n)\n)\n376\n376\n \n4\n4\n \nOther debt securities carried at fair value \u2013 Non-agency\nresidential MBS\n119\n119\n \n(\n(\n4\n4\n)\n)\n\u2014\n\u2014\n \n\u2014\n\u2014\n \n(\n(\n19\n19\n)\n)\n\u2014\n\u2014\n \n(\n(\n6\n6\n)\n)\n\u2014\n\u2014\n \n(\n(\n21\n21\n)\n)\n69\n69\n \n(\n(\n3\n3\n)\n)\nLoans and leases \n253\n253\n \n(\n(\n9\n9\n)\n)\n\u2014\n\u2014\n \n9\n9\n \n(\n(\n54\n54\n)\n)\n\u2014\n\u2014\n \n(\n(\n100\n100\n)\n)\n16\n16\n \n(\n(\n22\n22\n)\n)\n93\n93\n \n(\n(\n13\n13\n)\n)\nLoans held-for-sale \n232\n232\n \n24\n24\n \n3\n3\n \n\u2014\n\u2014\n \n(\n(\n25\n25\n)\n)\n\u2014\n\u2014\n \n(\n(\n70\n70\n)\n)\n\u2014\n\u2014\n \n\u2014\n\u2014\n \n164\n164\n \n13\n13\n \nOther assets \n1,799\n1,799\n \n211\n211\n \n10\n10\n \n176\n176\n \n(\n(\n326\n326\n)\n)\n104\n104\n \n(\n(\n319\n319\n)\n)\n2\n2\n \n\u2014\n\u2014\n \n1,657\n1,657\n \n74\n74\n \nTrading account liabilities \u2013 Equity securities\n\u2014\n\u2014\n \n1\n1\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n2\n2\n \n(\n(\n15\n15\n)\n)\n\u2014\n\u2014\n \n(\n(\n12\n12\n)\n)\n1\n1\n \nTrading account liabilities \u2013 Corporate securities\n and other\n(\n(\n58\n58\n)\n)\n(\n(\n3\n3\n)\n)\n\u2014\n\u2014\n \n(\n(\n3\n3\n)\n)\n(\n(\n1\n1\n)\n)\n(\n(\n1\n1\n)\n)\n24\n24\n \n(\n(\n35\n35\n)\n)\n38\n38\n \n(\n(\n39\n39\n)\n)\n(\n(\n9\n9\n)\n)\nShort-term borrowings \n(\n(\n14\n14\n)\n)\n1\n1\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n(\n(\n13\n13\n)\n)\n(\n(\n8\n8\n)\n)\n24\n24\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n(\n(\n10\n10\n)\n)\n(\n(\n1\n1\n)\n)\nAccrued expenses and other liabilities \n(\n(\n32\n32\n)\n)\n21\n21\n \n\u2014\n\u2014\n \n(\n(\n11\n11\n)\n)\n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n\u2014\n\u2014\n \n1\n1\n \n(\n(\n21\n21\n)\n)\n4\n4\n \nLong-term debt \n(\n(\n862\n862\n)\n)\n179\n179\n \n(\n(\n26\n26\n)\n)\n(\n(\n9\n9\n)\n)\n50\n50\n \n\u2014\n\u2014\n \n47\n47\n \n\u2014\n\u2014\n \n7\n7\n \n(\n(\n614\n614\n)\n)\n183\n183\n \nYear Ended December 31, 2022\nTrading account assets:\n \n \n \n \n \nCorporate securities, trading loans and other\n$\n2,110\n \n$\n(\n52\n)\n$\n(\n2\n)\n$\n1,069\n \n$\n(\n384\n)\n$\n\u2014\n \n$\n(\n606\n)\n$\n1,023\n \n$\n(\n774\n)\n$\n2,384\n \n$\n(\n78\n)\nEquity securities\n190\n \n(\n3\n)\n\u2014\n \n45\n \n(\n25\n)\n\u2014\n \n(\n4\n)\n38\n \n(\n96\n)\n145\n \n(\n6\n)\nNon-U.S.", "70d5eb8b-4d56-43c6-92e1-91c8f5008be8": "sovereign debt\n396\n \n59\n \n16\n \n54\n \n(\n4\n)\n\u2014\n \n(\n68\n)\n75\n \n(\n10\n)\n518\n \n56\n \nMortgage trading loans, MBS and ABS\n1,527\n \n(\n254\n)\n\u2014\n \n729\n \n(\n665\n)\n\u2014\n \n(\n112\n)\n536\n \n(\n209\n)\n1,552\n \n(\n152\n)\nTotal trading account assets\n4,223\n \n(\n250\n)\n14\n \n1,897\n \n(\n1,078\n)\n\u2014\n \n(\n790\n)\n1,672\n \n(\n1,089\n)\n4,599\n \n(\n180\n)\nNet derivative assets (liabilities) \n(\n2,662\n)\n551\n \n\u2014\n \n319\n \n(\n830\n)\n\u2014\n \n294\n \n(\n180\n)\n(\n385\n)\n(\n2,893\n)\n259\n \nAFS debt securities:\n \n \n \n \n \n \n \nNon-agency residential MBS\n316\n \n\u2014\n \n(\n35\n)\n\u2014\n \n(\n8\n)\n\u2014\n \n(\n75\n)\n73\n \n(\n13\n)\n258\n \n\u2014\n \nNon-U.S. and other taxable securities\n71\n \n10\n \n(\n10\n)\n126\n \n\u2014\n \n\u2014\n \n(\n22\n)\n311\n \n(\n291\n)\n195\n \n1\n \nTax-exempt securities\n52\n \n\u2014\n \n1\n \n\u2014\n \n\u2014\n \n\u2014\n \n(\n3\n)\n1\n \n\u2014\n \n51\n \n\u2014\n \nTotal AFS debt securities\n439\n \n10\n \n(\n44\n)\n126\n \n(\n8\n)\n\u2014\n \n(\n100\n)\n385\n \n(\n304\n)\n504\n \n1\n \nOther debt securities carried at fair value \u2013 Non-agency\nresidential MBS\n242\n \n(\n19\n)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n(\n111\n)\n30\n \n(\n23\n)\n119\n \n14\n \nLoans and leases \n748\n \n(\n45\n)\n\u2014\n \n\u2014\n \n(\n154\n)\n82\n \n(\n129\n)\n\u2014\n \n(\n249\n)\n253\n \n(\n21\n)\nLoans held-for-sale \n317\n \n9\n \n4\n \n171\n \n(\n6\n)\n\u2014\n \n(\n271\n)\n8\n \n\u2014\n \n232\n \n19\n \nOther assets \n1,572\n \n305\n \n(\n21\n)\n39\n \n(\n35\n)\n208\n \n(\n271\n)\n5\n \n(\n3\n)\n1,799\n \n213\n \nTrading account liabilities \u2013 Corporate securities\n and other\n(\n11\n)\n5\n \n\u2014\n \n(\n4\n)\n\u2014\n \n\u2014\n \n(\n2\n)\n(\n46\n)\n\u2014\n \n(\n58\n)\n1\n \nShort-term borrowings\n\u2014\n \n3\n \n\u2014\n \n\u2014\n \n(\n17\n)\n\u2014\n \n\u2014\n \n(\n3\n)\n3\n \n(\n14\n)\n2\n \nAccrued expenses and other liabilities\n\u2014\n \n(\n23\n)\n\u2014\n \n(\n9\n)\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n(\n32\n)\n(\n7\n)\nLong-term debt \n(\n1,075\n)\n(\n197\n)\n82\n \n\u2014\n \n14\n \n(\n1\n)\n57\n \n(\n24\n)\n282\n \n(\n862\n)\n(\n200\n)\nAssets (liabilities). For assets, increase (decrease) to Level 3 and for liabilities, (increase) decrease to Level 3.\nIncludes gains (losses) reported in earnings in the following income statement line items: Trading account assets/liabilities - market making and similar activities and other income; Net derivative assets (liabilities) - \nmarket making and similar activities and other\nincome\n; AFS debt securities - other income; Other debt securities carried at fair value - other income; Loans and leases - market making and similar activities and other income; Loans held-for-sale - other income; Other assets - market making and similar\nactivities and other income primarily related to MSRs; Short-term borrowings - market making and similar activities; Accrued expenses and other liabilities - market making and similar activities and other income; Long-term debt - market making and similar\nactivities.\nIncludes unrealized gains (losses) in \nOCI\n on AFS debt securities, foreign currency translation adjustments, derivatives designated in cash flow hedges and the impact of changes in the Corporation\u2019s credit spreads on long-term debt accounted for under the fair\nvalue option. Amounts include net unrealized gains (losses) of $(\n324\n) million and $\n28\n million related to financial instruments still held at December 31, 2023 and 2022.", "e4560069-6449-41e5-9286-d88ace6b9534": "Includes unrealized gains (losses) in \nOCI\n on AFS debt securities, foreign currency translation adjustments, derivatives designated in cash flow hedges and the impact of changes in the Corporation\u2019s credit spreads on long-term debt accounted for under the fair\nvalue option. Amounts include net unrealized gains (losses) of $(\n324\n) million and $\n28\n million related to financial instruments still held at December 31, 2023 and 2022.\nNet derivative assets (liabilities) include derivative assets of $\n3.4\n billion and $\n3.2\n billion and derivative liabilities of $\n5.9\n billion and $\n6.1\n billion at December 31, 2023 and 2022.\nAmounts represent instruments that are accounted for under the fair value option.\nIssuances represent loan originations and MSRs recognized following securitizations or whole-loan sales.\nSettlements primarily represent the net change in fair value of the MSR asset due to the recognition of modeled cash flows and the passage of time.\n(1)\n(1)\n(2)\n(2)\n(3)\n(3)\n(2)\n(2)\n(4)\n(5,6)\n(5,6)\n(6,7)\n(5)\n(5)\n(5)\n(4)\n(5,6)\n(5,6)\n(6,7)\n (5)\n (5)\n(5)\n(1)\n(2)\n(3)\n(4)\n(5)\n(6)\n(7)\n155\n155\n \nBank of America", "015f573a-81a2-4566-aca0-93bc1e1d8672": "Level 3 \u2013 Fair Value Measurements \nLevel 3 \u2013 Fair Value Measurements \n(Dollars in millions)\nBalance\nJanuary 1\nTotal\nRealized/Unrealized\nGains (Losses) in\nNet\n Income \nGains\n(Losses)\nin OCI\nGross\nGross\nTransfers\ninto\nLevel 3\nGross\nTransfers\nout of\nLevel 3\nBalance\nDecember 31\nChange in\nUnrealized Gains\n(Losses) in Net\nIncome Related\nto Financial\nInstruments Still\nHeld \nPurchases\nSales\nIssuances\nSettlements\nYear Ended December 31, 2021\nTrading account assets:\n \n \n \n \n \n \nCorporate securities, trading loans and other\n$\n1,359\n \n$\n(\n17\n)\n$\n\u2014\n \n$\n765\n \n$\n(\n437\n)\n$\n\u2014\n \n$\n(\n327\n)\n$\n1,218\n \n$\n(\n451\n)\n$\n2,110\n \n$\n(\n79\n)\nEquity securities\n227\n \n(\n18\n)\n\u2014\n \n103\n \n(\n68\n)\n\u2014\n \n\u2014\n \n112\n \n(\n166\n)\n190\n \n(\n44\n)\nNon-U.S. sovereign debt\n354\n \n31\n \n(\n20\n)\n18\n \n\u2014\n \n\u2014\n \n(\n13\n)\n26\n \n\u2014\n \n396\n \n34\n \nMortgage trading loans, MBS and ABS\n1,440\n \n(\n58\n)\n\u2014\n \n518\n \n(\n721\n)\n7\n \n(\n167\n)\n771\n \n(\n263\n)\n1,527\n \n(\n91\n)\nTotal trading account assets\n3,380\n \n(\n62\n)\n(\n20\n)\n1,404\n \n(\n1,226\n)\n7\n \n(\n507\n)\n2,127\n \n(\n880\n)\n4,223\n \n(\n180\n)\nNet derivative assets (liabilities) \n(\n3,468\n)\n927\n \n\u2014\n \n521\n \n(\n653\n)\n\u2014\n \n293\n \n(\n74\n)\n(\n208\n)\n(\n2,662\n)\n800\n \nAFS debt securities:\n \n \n \n \n \n \n \nNon-agency residential MBS\n378\n \n(\n11\n)\n(\n111\n)\n\u2014\n \n(\n98\n)\n\u2014\n \n(\n45\n)\n304\n \n(\n101\n)\n316\n \n8\n \nNon-U.S. and other taxable securities\n89\n \n(\n4\n)\n(\n7\n)\n8\n \n(\n10\n)\n\u2014\n \n(\n4\n)\n\u2014\n \n(\n1\n)\n71\n \n\u2014\n \nTax-exempt securities\n176\n \n20\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n(\n2\n)\n\u2014\n \n(\n142\n)\n52\n \n(\n19\n)\nTotal AFS debt securities\n643\n \n5\n \n(\n118\n)\n8\n \n(\n108\n)\n\u2014\n \n(\n51\n)\n304\n \n(\n244\n)\n439\n \n(\n11\n)\nOther debt securities carried at fair value - Non-agency\nresidential MBS\n267\n \n1\n \n\u2014\n \n\u2014\n \n(\n45\n)\n\u2014\n \n(\n37\n)\n101\n \n(\n45\n)\n242\n \n10\n \nLoans and leases \n717\n \n62\n \n\u2014\n \n59\n \n(\n13\n)\n70\n \n(\n180\n)\n46\n \n(\n13\n)\n748\n \n65\n \nLoans held-for-sale \n236\n \n13\n \n(\n6\n)\n132\n \n(\n1\n)\n\u2014\n \n(\n79\n)\n26\n \n(\n4\n)\n317\n \n18\n \nOther assets\n1,970\n \n7\n \n3\n \n26\n \n(\n202\n)\n144\n \n(\n383\n)\n9\n \n(\n2\n)\n1,572\n \n3\n \nTrading account liabilities \u2013 Corporate securities and other\n(\n16\n)\n6\n \n\u2014\n \n\u2014\n \n\u2014\n \n(\n1\n)\n\u2014\n \n\u2014\n \n\u2014\n \n(\n11\n)\n\u2014\n \nLong-term debt \n(\n1,164\n)\n(\n92\n)\n13\n \n(\n6\n)\n15\n \n(\n12\n)\n98\n \n(\n65\n)\n138\n \n(\n1,075\n)\n(\n113\n)\nAssets (liabilities). For assets, increase (decrease) to Level 3 and for liabilities, (increase) decrease to Level 3.\nIncludes gains/losses reported in earnings in the following income statement line items: Trading account assets/liabilities - predominantly market making and similar activities; Net derivative assets (liabilities) - market making and similar activities and other\nincome; AFS debt securities - other income; Other debt securities carried at fair value - other income; Loans and leases - \nmarket making and similar activities and other income; Loans held-for-sale - other income; Other assets - \nmarket making and similar\nactivities and other income related to MSRs; Long-term debt - market making and similar activities.", "d6222d99-0215-4690-96e7-46cb87c99efc": "For assets, increase (decrease) to Level 3 and for liabilities, (increase) decrease to Level 3.\nIncludes gains/losses reported in earnings in the following income statement line items: Trading account assets/liabilities - predominantly market making and similar activities; Net derivative assets (liabilities) - market making and similar activities and other\nincome; AFS debt securities - other income; Other debt securities carried at fair value - other income; Loans and leases - \nmarket making and similar activities and other income; Loans held-for-sale - other income; Other assets - \nmarket making and similar\nactivities and other income related to MSRs; Long-term debt - market making and similar activities.\nIncludes unrealized losses in OCI on AFS debt securities, foreign currency translation adjustments and the impact of changes in the Corporation\u2019s credit spreads on long-term debt accounted for under the fair value option. Amounts include net unrealized losses\nof $\n19\n million related to financial instruments still held at December 31, 2021.\nNet derivative assets (liabilities) include derivative assets of $\n3.1\n billion and derivative liabilities of $\n5.8\n billion.\nAmounts represent instruments that are accounted for under the fair value option.\nIssuances represent loan originations and MSRs recognized following securitizations or whole-loan sales.\nSettlements primarily represent the net change in fair value of the MSR asset due to the recognition of modeled cash flows and the passage of time.\n(1)\n(1)\n(2)\n (3)\n(2)\n(4)\n(5,6)\n(5,6)\n (6,7)\n(5)\n(1)\n(2)\n(3)\n(4)\n(5)\n(6)\n(7)\nBank of America \n156\n156", "f6bddbac-fd0a-413e-89f5-2023490ed545": "The following tables present information about significant unobservable inputs related to the Corporation\u2019s material categories of Level 3 financial assets and\nliabilities at December 31, 2023 and 2022.\nQuantitative Information about Level 3 Fair Value Measurements at December 31, 2023\nQuantitative Information about Level 3 Fair Value Measurements at December 31, 2023\n(Dollars in millions)\nInputs\nInputs\nFinancial Instrument\nFinancial Instrument\nFair \nFair \nValue\nValue\nValuation \nValuation \nTechnique\nTechnique\nSignificant Unobservable \nSignificant Unobservable \nInputs\nInputs\nRanges of \nRanges of \nInputs\nInputs\nWeighted\nWeighted\nAverage \nAverage \nLoans and Securities \nLoans and Securities \nInstruments backed by residential real estate assets\nInstruments backed by residential real estate assets\n$\n$\n538\n538\n \nDiscounted cash flow, Market\ncomparables\nYield\n0\n% to \n22\n%\n9\n \n%\nTrading account assets \u2013 Mortgage trading loans, MBS and ABS\n109\n \nPrepayment speed\n1\n% to \n42\n% CPR\n10\n% CPR\nLoans and leases\n87\n \nDefault rate\n0\n% to \n3\n% CDR\n1\n% CDR\nAFS debt securities \u2013 Non-agency residential\n273\n \nPrice\n$\n0\n to $\n115\n$\n70\nOther debt securities carried at fair value \u2013 Non-agency residential\n69\n \nLoss severity\n0\n% to \n100\n%\n27\n \n%\nInstruments backed by commercial real estate assets\nInstruments backed by commercial real estate assets\n$\n$\n363\n363\n \nDiscounted cash \nflow\nYield\n0\n% to \n25\n%\n12\n \n%\nTrading account assets \u2013 Corporate securities, trading loans and other\n301\n \nPrice\n$\n0\n to $\n100\n$\n75\nTrading account assets \u2013 Mortgage trading loans, MBS and ABS\n62\n \nCommercial loans, debt securities and other\nCommercial loans, debt securities and other\n$\n$\n3,103\n3,103\n \nDiscounted cash flow, Market\ncomparables\nYield\n5\n% to \n59\n%\n13\n \n%\nTrading account assets \u2013 Corporate securities, trading loans and other\n1,388\n \nPrepayment speed\n10\n% to \n20\n%\n16\n \n%\nTrading account assets \u2013 Non-U.S. sovereign debt\n396\n \nDefault rate\n3\n% to \n4\n%\n4\n \n%\nTrading account assets \u2013 Mortgage trading loans, MBS and ABS\n1,046\n \nLoss severity\n35\n% to \n40\n%\n37\n \n%\nAFS debt securities \u2013 Non-U.S.", "640c746b-c8fa-437b-a4f0-50e6a13c3b91": "sovereign debt\n396\n \nDefault rate\n3\n% to \n4\n%\n4\n \n%\nTrading account assets \u2013 Mortgage trading loans, MBS and ABS\n1,046\n \nLoss severity\n35\n% to \n40\n%\n37\n \n%\nAFS debt securities \u2013 Non-U.S. and other taxable securities\n103\n \nPrice\n$\n0\n to $\n157\n$\n70\nLoans and leases\n6\n \nLoans held-for-sale\n164\n \nOther assets, primarily auction rate securities\nOther assets, primarily auction rate securities\n$\n$\n687\n687\n \nDiscounted cash flow, Market\ncomparables\nPrice\n$\n10\n to $\n95\n$\n85\nDiscount rate\n10\n \n%\nn/a\nMSRs\nMSRs\n$\n$\n970\n970\n \nDiscounted cash \nflow\nWeighted-average life, fixed rate \n0\n to \n14\n years\n6\n years\nWeighted-average life, variable rate \n0\n to \n11\n years\n3\n years\nOption-adjusted spread, fixed rate\n7\n% to \n14\n%\n9\n \n%\nOption-adjusted spread, variable rate\n9\n% to \n15\n%\n12\n \n%\nStructured liabilities\nStructured liabilities\nLong-term debt\nLong-term debt\n$\n$\n(\n(\n614\n614\n)\n)\nDiscounted cash flow, Market\ncomparables, Industry standard\nderivative pricing \nYield\n58\n%\nn/a\nEquity correlation\n5\n% to \n97\n%\n25\n \n%\nPrice\n$\n0\n to $\n100\n$\n90\nNatural gas forward price\n$\n1\n/MMBtu to $\n7\n/MMBtu\n$\n4\n /MMBtu\nNet derivative assets (liabilities)\nNet derivative assets (liabilities)\nCredit derivatives\nCredit derivatives\n$\n$\n9\n9\n \nDiscounted cash flow, Stochastic\nrecovery correlation model\nCredit spreads\n2\n to \n79\n bps\n59\n bps\nPrepayment speed\n15\n% CPR\nn/a\nDefault rate\n \n2\n% CDR\nn/a\nCredit correlation\n22\n% to \n62\n%\n58\n \n%\nPrice\n$\n0\n to $\n94\n$\n87\nEquity derivatives\nEquity derivatives\n$\n$\n(\n(\n1,386\n1,386\n)\n)\nIndustry standard derivative\npricing \nEquity correlation\n0\n% to \n99\n%\n67\n \n%\nLong-dated equity volatilities\n4\n% to \n102\n%\n34\n \n%\nCommodity derivatives\nCommodity derivatives\n$\n$\n(\n(\n633\n633\n)\n)\nDiscounted cash flow, Industry\nstandard derivative pricing \nNatural gas forward price\n$\n1\n/MMBtu to $\n7\n/MMBtu\n$\n4\n /MMBtu\nPower forward price\n$\n21\n to $\n91\n$\n42\nInterest rate derivatives\nInterest rate derivatives\n$\n$\n(\n(\n484\n484\n)\n)\nIndustry standard derivative\npricing \nCorrelation (IR/IR)\n(\n35\n)% to \n89\n%\n65\n \n%\nCorrelation (FX/IR)\n(\n25\n)% to \n58\n%\n35\n \n%\nLong-dated inflation rates\n \n(\n1\n)% to \n11\n%\n0\n \n%\nLong-dated inflation volatilities\n0\n% to \n5\n%\n2\n \n%\nInterest rate volatilities\n0\n% to \n2\n%\n1\n \n%\nTotal net derivative assets (liabilities)\nTotal net derivative assets (liabilities)\n$\n$\n(\n(\n2,494\n2,494\n)\n)\nFor loans and securities, structured liabilities and net derivative assets (liabilities), the weighted average is calculated based upon the absolute fair value of the instruments.\nThe categories are aggregated based upon product type, which differs from financial statement classification. The following is a reconciliation to the line items in the table on page 153: Trading account assets \u2013 Corporate securities, trading loans and other of\n$\n1.7\n billion, Trading account assets \u2013 Non-U.S. sovereign debt of $\n396\n million, Trading account assets \u2013 Mortgage trading loans, MBS and ABS of $\n1.2\n billion, AFS debt securities of $\n376\n million, Other debt securities carried at fair value - Non-agency\nresidential of $\n69\n million, Other assets, including MSRs, of $\n1.7\n billion, Loans and leases of $\n93\n million and LHFS of $\n164\n million.\nIncludes models such as Monte Carlo simulation and Black-Scholes.\nIncludes models such as Monte Carlo simulation, Black-Scholes and other methods that model the joint dynamics of interest, inflation and foreign exchange rates.\nThe weighted-average life is a product of changes in market rates of interest, prepayment rates and other model and cash flow assumptions.", "352be19a-9d10-496b-a040-141580464e53": "sovereign debt of $\n396\n million, Trading account assets \u2013 Mortgage trading loans, MBS and ABS of $\n1.2\n billion, AFS debt securities of $\n376\n million, Other debt securities carried at fair value - Non-agency\nresidential of $\n69\n million, Other assets, including MSRs, of $\n1.7\n billion, Loans and leases of $\n93\n million and LHFS of $\n164\n million.\nIncludes models such as Monte Carlo simulation and Black-Scholes.\nIncludes models such as Monte Carlo simulation, Black-Scholes and other methods that model the joint dynamics of interest, inflation and foreign exchange rates.\nThe weighted-average life is a product of changes in market rates of interest, prepayment rates and other model and cash flow assumptions.\nCPR = Constant Prepayment Rate\nCDR = Constant Default Rate\nMMBtu = Million British thermal units\nIR = Interest Rate\nFX = Foreign Exchange\nn/a = not applicable\n(1)\n(1)\n(2)\n(2)\n(5)\n(5)\n(3)\n(3)\n(3)\n(4)\n(1)\n(2)\n(3)\n(4)\n(5)\n157\n157\n \nBank of America", "6fbe5378-5b11-4bfd-9da2-b49e55db685a": "Quantitative Information about Level 3 Fair Value Measurements at December 31, 2022\nQuantitative Information about Level 3 Fair Value Measurements at December 31, 2022\n(Dollars in millions)\nInputs\nInputs\nFinancial Instrument\nFair \nValue\nValuation \nTechnique\nSignificant Unobservable \nInputs\nRanges of \nInputs\nWeighted Average\nLoans and Securities \nLoans and Securities \nInstruments backed by residential real estate assets\nInstruments backed by residential real estate assets\n$\n$\n852\n852\n \nDiscounted cash \nflow, Market comparables\nYield\n0\n% to \n25\n%\n10\n \n%\nTrading account assets \u2013 Mortgage trading loans, MBS and ABS\n338\n \nPrepayment speed\n0\n% to \n29\n% CPR\n12\n% CPR\nLoans and leases\n137\n \nDefault rate\n0\n% to \n3\n% CDR\n1\n% CDR\nAFS debt securities - Non-agency residential\n258\n \nPrice\n$\n0\n to $\n111\n$\n26\nOther debt securities carried at fair value - Non-agency residential\n119\n \nLoss severity\n0\n% to \n100\n%\n24\n \n%\nInstruments backed by commercial real estate assets\nInstruments backed by commercial real estate assets\n$\n$\n362\n362\n \nDiscounted cash \nflow\nYield\n0\n% to \n25\n%\n10\n \n%\nTrading account assets \u2013 Corporate securities, trading loans and other\n292\n \nPrice\n$\n0\n to $\n100\n$\n75\nTrading account assets \u2013 Mortgage trading loans, MBS and ABS\n66\n \nLoans held-for-sale\n4\n \nCommercial loans, debt securities and other\nCommercial loans, debt securities and other\n$\n$\n4,348\n4,348\n \nDiscounted cash flow, Market\ncomparables\nYield\n \n5\n% to \n43\n%\n15\n \n%\nTrading account assets \u2013 Corporate securities, trading loans and other\n2,092\n \nPrepayment speed\n10\n% to \n20\n%\n15\n \n%\nTrading account assets \u2013 Non-U.S. sovereign debt\n518\n \nDefault rate\n3\n% to \n4\n%\n4\n \n%\nTrading account assets \u2013 Mortgage trading loans, MBS and ABS\n1,148\n \nLoss severity\n35\n% to \n40\n%\n38\n \n%\nAFS debt securities \u2013 Tax-exempt securities\n51\n \nPrice\n $\n0\n to $\n157\n$\n75\nAFS debt securities \u2013 Non-U.S.", "da23bbe1-e6bf-4b58-9222-f68041567f32": "sovereign debt\n518\n \nDefault rate\n3\n% to \n4\n%\n4\n \n%\nTrading account assets \u2013 Mortgage trading loans, MBS and ABS\n1,148\n \nLoss severity\n35\n% to \n40\n%\n38\n \n%\nAFS debt securities \u2013 Tax-exempt securities\n51\n \nPrice\n $\n0\n to $\n157\n$\n75\nAFS debt securities \u2013 Non-U.S. and other taxable securities\n195\n \nLoans and leases\n116\n \nLoans held-for-sale\n228\n \nOther assets, primarily auction rate securities\nOther assets, primarily auction rate securities\n$\n$\n779\n779\n \nDiscounted cash flow, Market\ncomparables\nPrice\n$\n10\n to $\n97\n$\n94\nDiscount rate\n11\n%\nn/a\nMSRs\nMSRs\n$\n$\n1,020\n1,020\n \nDiscounted cash \nflow\nWeighted-average life, fixed rate \n0\n to \n14\n years\n6\n years\nWeighted-average life, variable rate \n0\n to \n12\n years\n4\n years\nOption-adjusted spread, fixed rate\n7\n% to \n14\n%\n9\n \n%\nOption-adjusted spread, variable rate\n9\n% to \n15\n%\n12\n \n%\nStructured liabilities\nStructured liabilities\nLong-term debt\nLong-term debt\n$\n$\n(\n(\n862\n862\n)\n)\nDiscounted cash flow, Market\ncomparables, Industry standard\nderivative pricing \nYield\n \n22\n% to \n43\n%\n23\n \n%\nEquity correlation\n \n0\n% to \n95\n%\n69\n \n%\nPrice\n$\n0\n to $\n119\n$\n90\nNatural gas forward price\n$\n3\n/MMBtu to $\n13\n/MMBtu\n$\n9\n/MMBtu\nNet derivative assets (liabilities)\nNet derivative assets (liabilities)\nCredit derivatives\nCredit derivatives\n$\n$\n(\n(\n44\n44\n)\n)\nDiscounted cash flow, Stochastic\nrecovery correlation model\nCredit spreads\n3\n to \n63\n bps\n22\n bps\nUpfront points\n0\n to \n100\n points\n \n83\n points\nPrepayment speed\n15\n% CPR\nn/a\nDefault rate\n2\n% CDR\nn/a\nCredit correlation\n18\n% to \n53\n%\n44\n \n%\nPrice\n$\n0\n to $\n151\n$\n63\nEquity derivatives\nEquity derivatives\n$\n$\n(\n(\n1,534\n1,534\n)\n)\nIndustry standard derivative\npricing \nEquity correlation\n0\n% to \n100\n%\n73\n \n%\nLong-dated equity volatilities\n4\n% to \n101\n%\n44\n \n%\nCommodity derivatives\nCommodity derivatives\n$\n$\n(\n(\n291\n291\n)\n)\nDiscounted cash flow, Industry\nstandard derivative pricing \nNatural gas forward price\n$\n3\n/MMBtu to $\n13\n/MMBtu\n$\n8\n/MMBtu\nPower forward price\n$\n9\n to $\n123\n$\n43\nInterest rate derivatives\nInterest rate derivatives\n$\n$\n(\n(\n1,024\n1,024\n)\n)\nIndustry standard derivative\npricing\nCorrelation (IR/IR)\n(\n35\n)% to \n89\n%\n67\n \n%\nCorrelation (FX/IR)\n11\n% to \n58\n%\n43\n \n%\nLong-dated inflation rates\nG\n0\n% to \n39\n%\n1\n \n%\nLong-dated inflation volatilities\n0\n% to \n5\n%\n2\n \n%\nInterest rates volatilities\n0\n% to \n2\n%\n1\n \n%\nTotal net derivative assets (liabilities)\nTotal net derivative assets (liabilities)\n$\n$\n(\n(\n2,893\n2,893\n)\n)\nFor loans and securities, structured liabilities and net derivative assets (liabilities), the weighted average is calculated based upon the absolute fair value of the instruments.\nThe categories are aggregated based upon product type, which differs from financial statement classification. The following is a reconciliation to the line items in the table on page 154: Trading account assets \u2013 Corporate securities, trading loans and other of\n$\n2.4\n billion, Trading account assets \u2013 Non-U.S. sovereign debt of $\n518\n million, Trading account assets \u2013 Mortgage trading loans, MBS and ABS of $\n1.6\n billion, AFS debt securities of $\n504\n million, Other debt securities carried at fair value - Non-agency\nresidential of $\n119\n million, Other assets, including MSRs, of $\n1.8\n billion, Loans and leases of $\n253\n million and LHFS of $\n232\n million.\nIncludes models such as Monte Carlo simulation and Black-Scholes.", "44c0d860-273c-4f15-b67a-40f7d7aec9bd": "The categories are aggregated based upon product type, which differs from financial statement classification. The following is a reconciliation to the line items in the table on page 154: Trading account assets \u2013 Corporate securities, trading loans and other of\n$\n2.4\n billion, Trading account assets \u2013 Non-U.S. sovereign debt of $\n518\n million, Trading account assets \u2013 Mortgage trading loans, MBS and ABS of $\n1.6\n billion, AFS debt securities of $\n504\n million, Other debt securities carried at fair value - Non-agency\nresidential of $\n119\n million, Other assets, including MSRs, of $\n1.8\n billion, Loans and leases of $\n253\n million and LHFS of $\n232\n million.\nIncludes models such as Monte Carlo simulation and Black-Scholes.\nIncludes models such as Monte Carlo simulation, Black-Scholes and other methods that model the joint dynamics of interest, inflation and foreign exchange rates.\nThe weighted-average life is a product of changes in market rates of interest, prepayment rates and other model and cash flow assumptions.\nCPR = Constant Prepayment Rate\nCDR = Constant Default Rate\nMMBtu = Million British thermal units\nIR = Interest Rate\nFX = Foreign Exchange\nn/a = not applicable\n(1)\n(2)\n(2)\n(5)\n(5)\n(3)\n(3)\n(3)\n (4)\n(1)\n(2)\n(3)\n(4)\n(5)\nBank of America \n158\n158", "b5e42120-de19-4e3b-90f2-b4b6ae0ef86a": "In the previous tables, instruments backed by residential and commercial\nreal estate assets include RMBS, commercial MBS, whole loans and\nmortgage CDOs. Commercial loans, debt securities and other include\ncorporate CLOs and CDOs, commercial loans and bonds, and securities\nbacked by non-real estate assets. Structured liabilities primarily include equity-\nlinked notes that are accounted for under the fair value option.\nThe Corporation uses multiple market approaches in valuing certain of its\nLevel 3 financial instruments. For example, market comparables and\ndiscounted cash flows are used together. For a given product, such as\ncorporate debt securities, market comparables may be used to estimate\nsome of the unobservable inputs, and then these inputs are incorporated into\na discounted cash flow model. Therefore, the balances disclosed encompass\nboth of these techniques.\nThe levels of aggregation and diversity within the products disclosed in the\ntables result in certain ranges of inputs being wide and unevenly distributed\nacross asset and liability categories.\nUncertainty of Fair Value Measurements from\nUncertainty of Fair Value Measurements from\nUnobservable Inputs\nUnobservable Inputs\nLoans and Securities\nLoans and Securities\nA significant increase in market yields, default rates, loss severities or duration\nwould have resulted in a significantly lower fair value for long positions. Short\npositions would have been impacted in a directionally opposite way. The\nimpact of changes in prepayment speeds would have resulted in differing\nimpacts depending on the seniority of the instrument and, in the case of CLOs,\nwhether prepayments can be reinvested. A significant increase in price would\nhave resulted in a significantly higher fair value for long positions, and short\npositions would have been impacted in a directionally opposite way.\nStructured Liabilities and Derivatives\nStructured Liabilities and Derivatives\nFor credit derivatives, a significant increase in market yield, upfront points (i.e.,\na single upfront payment made by a\nprotection buyer at inception), credit spreads, default rates or loss severities\nwould have resulted in a significantly lower fair value for protection sellers and\nhigher fair value for protection buyers. The impact of changes in prepayment\nspeeds would have resulted in differing impacts depending on the seniority of\nthe instrument.\nStructured credit derivatives are impacted by credit correlation. Default\ncorrelation is a parameter that describes the degree of dependence among\ncredit default rates within a credit portfolio that underlies a credit derivative\ninstrument. The sensitivity of this input on the fair value varies depending on\nthe level of subordination of the tranche. For senior tranches that are net\npurchases of protection, a significant increase in default correlation would\nhave resulted in a significantly higher fair value. Net short protection positions\nwould have been impacted in a directionally opposite way.\nFor equity derivatives, commodity derivatives, interest rate derivatives and\nstructured liabilities, a significant change in long-dated rates and volatilities\nand correlation inputs (i.e., the degree of correlation between an equity security\nand an index, between two different commodities, between two different\ninterest rates, or between interest rates and foreign exchange rates) would\nhave resulted in a significant impact to the fair value; however, the magnitude\nand direction of the impact depend on whether the Corporation is long or short\nthe exposure. For structured liabilities, a significant increase in yield or\ndecrease in price would have resulted in a significantly lower fair value.\nNonrecurring Fair Value\nNonrecurring Fair Value\nThe Corporation holds certain assets that are measured at fair value only in\ncertain situations (e.g., the impairment of an asset), and these measurements\nare referred to herein as nonrecurring. \nThe amounts below represent assets\nstill held as of the reporting date for which a nonrecurring fair value adjustment\nwas recorded during 2023, 2022 and 2021.", "8d8e6d4c-b3ed-427e-a35b-6a913b05836a": "For structured liabilities, a significant increase in yield or\ndecrease in price would have resulted in a significantly lower fair value.\nNonrecurring Fair Value\nNonrecurring Fair Value\nThe Corporation holds certain assets that are measured at fair value only in\ncertain situations (e.g., the impairment of an asset), and these measurements\nare referred to herein as nonrecurring. \nThe amounts below represent assets\nstill held as of the reporting date for which a nonrecurring fair value adjustment\nwas recorded during 2023, 2022 and 2021.\nAssets Measured at Fair Value on a Nonrecurring Basis\nAssets Measured at Fair Value on a Nonrecurring Basis\nDecember 31, 2023\nDecember 31, 2023\nDecember 31, 2022\n(Dollars in millions)\n \nLevel 2\nLevel 2\nLevel 3\nLevel 3\nLevel 2\nLevel 3\nAssets\nAssets\n \n \n \n \n \nLoans held-for-sale\n$\n$\n77\n77\n \n$\n$\n2,793\n2,793\n \n$\n1,979\n \n$\n3,079\n \nLoans and leases \n\u2014\n\u2014\n \n153\n153\n \n\u2014\n \n166\n \nForeclosed properties \n\u2014\n\u2014\n \n48\n48\n \n\u2014\n \n7\n \nOther assets \n31\n31\n \n898\n898\n \n88\n \n165\n \nGains (Losses)\nGains (Losses)\n2023\n2023\n2022\n2021\nAssets\nAssets\n \n \n \nLoans held-for-sale\n$\n$\n(\n(\n246\n246\n)\n)\n$\n(\n387\n)\n$\n(\n44\n)\nLoans and leases \n(\n(\n45\n45\n)\n)\n(\n48\n)\n(\n60\n)\nForeclosed properties\n(\n(\n6\n6\n)\n)\n(\n6\n)\n(\n2\n)\nOther assets\n(\n(\n252\n252\n)\n)\n(\n91\n)\n(\n492\n)\nIncludes $\n10\n million, $\n15\n million and $\n24\n million of losses on loans that were written down to a collateral value of zero during 2023, 2022 and 2021, respectively.\nAmounts are included in other assets on the Consolidated Balance Sheet and represent the carrying value of foreclosed properties that were written down subsequent to their initial classification as foreclosed properties. Losses on foreclosed properties include\nlosses recorded during the first 90 days after transfer of a loan to foreclosed properties.\nExcludes $\n31\n million and $\n60\n million of properties acquired upon foreclosure of certain government-guaranteed loans (principally FHA-insured loans) at December 31, 2023 and 2022.\nRepresents the fair value of certain impaired renewable energy investments.\n(1)\n(2, 3)\n(4)\n(1)\n(1)\n(2)\n(3)\n(4)\n159\n159\n \nBank of America", "3303dbd9-35ff-42c4-8ad0-0d18a299fab3": "The table below presents information about significant unobservable inputs utilized in the Corporation's nonrecurring Level 3 fair value measurements at\nDecember 31, 2023 and 2022.\nQuantitative Information about Nonrecurring Level 3 Fair Value Measurements\nQuantitative Information about Nonrecurring Level 3 Fair Value Measurements\nInputs\nInputs\nFinancial Instrument\nFinancial Instrument\nFair Value\nFair Value\nValuation \nValuation \nTechnique\nTechnique\nSignificant Unobservable \nSignificant Unobservable \nInputs\nInputs\nRanges of \nRanges of \nInputs\nInputs\nWeighted\nWeighted\nAverage \nAverage \n(Dollars in millions)\nYear Ended December 31, 2023\nYear Ended December 31, 2023\nLoans held-for-sale\n$\n$\n2,793\n2,793\n \nPricing model\nImplied yield\n7\n% to \n23\n%\nn/a\nLoans and leases \n153\n153\n \nMarket comparables\nOREO discount\n10\n% to \n66\n%\n26\n \n%\nCosts to sell\n8\n% to \n24\n%\n9\n \n%\nOther assets \n898\n898\n \nDiscounted cash flow\nDiscount rate\n7\n \n%\nn/a\nYear Ended December 31, 2022\nLoans held-for-sale\n$\n3,079\n \nPricing model\nImplied yield\n9\n% to \n24\n%\nn/a\nLoans and leases \n166\n \nMarket comparables\nOREO discount\n10\n% to \n66\n%\n26\n \n%\nCosts to sell\n8\n% to \n24\n%\n9\n \n%\nOther assets \n165\nDiscounted cash flow\nDiscount rate\n7\n \n%\nn/a\nThe weighted average is calculated based upon the fair value of the loans.\nRepresents residential mortgages where the loan has been written down to the fair value of the underlying collateral.\nRepresents the fair value of certain impaired renewable energy investments.\nn/a = not applicable\nNOTE 21 \nNOTE 21 \nFair Value Option\nFair Value Option\nLoans and Loan Commitments\nLoans and Loan Commitments\nThe Corporation elects to account for certain loans and loan commitments that\nexceed the Corporation\u2019s single-name credit risk concentration guidelines\nunder the fair value option. Lending commitments are actively managed and,\nas appropriate, credit risk for these lending relationships may be mitigated\nthrough the use of credit derivatives, with the Corporation\u2019s public side credit\nview and market perspectives determining the size and timing of the hedging\nactivity. These credit derivatives do not meet the requirements for designation\nas accounting hedges and are carried at fair value. The fair value option allows\nthe Corporation to carry these loans and loan commitments at fair value, which\nis more consistent with management\u2019s view of the underlying economics and\nthe manner in which they are managed. In addition, the fair value option allows\nthe Corporation to reduce the accounting volatility that would otherwise result\nfrom the asymmetry created by accounting for the financial instruments at\nhistorical cost and the credit derivatives at fair value.\nLoans Held-for-sale\nLoans Held-for-sale\nThe Corporation elects to account for residential mortgage LHFS, commercial\nmortgage LHFS and certain other LHFS under the fair value option. These\nloans are actively managed and monitored and, as appropriate, certain market\nrisks of the loans may be mitigated through the use of derivatives. The\nCorporation has elected not to designate the derivatives as qualifying\naccounting hedges, and therefore, they are carried at fair value. The changes\nin fair value of the loans are largely offset by changes in the fair value of the\nderivatives. The fair value option allows the Corporation to reduce the\naccounting volatility that would otherwise result from the asymmetry created by\naccounting for the financial instruments at the lower of cost or fair value and\nthe derivatives at fair value. The Corporation has not elected to account for\ncertain other LHFS under the fair value option primarily because these loans\nare floating-rate loans that are not hedged using derivative instruments.\nLoans Reported as Trading Account Assets\nLoans Reported as Trading Account Assets\nThe Corporation elects to account for certain loans that are held for the\npurpose of trading and are risk-managed on a fair value basis under the fair\nvalue option.\nOther Assets\nOther Assets\nThe Corporation elects to account for certain long-term fixed-rate margin loans\nthat are hedged with derivatives under the fair value option. Election of the fair\nvalue option allows the Corporation to reduce the accounting volatility that\nwould otherwise result from the asymmetry created by accounting for the\nfinancial instruments at historical cost and the derivatives at fair value.", "815efdf4-a77d-48eb-b267-a1277474315f": "The Corporation has not elected to account for\ncertain other LHFS under the fair value option primarily because these loans\nare floating-rate loans that are not hedged using derivative instruments.\nLoans Reported as Trading Account Assets\nLoans Reported as Trading Account Assets\nThe Corporation elects to account for certain loans that are held for the\npurpose of trading and are risk-managed on a fair value basis under the fair\nvalue option.\nOther Assets\nOther Assets\nThe Corporation elects to account for certain long-term fixed-rate margin loans\nthat are hedged with derivatives under the fair value option. Election of the fair\nvalue option allows the Corporation to reduce the accounting volatility that\nwould otherwise result from the asymmetry created by accounting for the\nfinancial instruments at historical cost and the derivatives at fair value.\nSecurities Financing Agreements\nSecurities Financing Agreements\nThe Corporation elects to account for certain securities financing agreements,\nincluding resale and repurchase agreements, under the fair value option.\nThese elections include certain agreements collateralized by the U.S.\ngovernment and its agencies, which are generally short-dated and have\nminimal interest rate risk.\nLong-term Deposits\nLong-term Deposits\nThe Corporation elects to account for certain long-term fixed-rate and rate-\nlinked deposits that are hedged with derivatives that do not qualify for hedge\naccounting. Election of the fair value option allows the Corporation to reduce\nthe accounting volatility that would otherwise result from the asymmetry\ncreated by accounting for the financial instruments at historical cost and the\nderivatives at fair value. The Corporation has not elected to carry other long-\nterm deposits at fair value because they are not hedged using derivatives.\nShort-term Borrowings\nShort-term Borrowings\nThe Corporation elects to account for certain short-term borrowings, primarily\nshort-term structured liabilities, under the fair value option because this debt is\nrisk-managed on a fair value basis.\n(1)\n(1)\n(2)\n(3)\n(2)\n(3)\n(1)\n(2)\n(3)\nBank of America \n160\n160", "ab8d24b1-14b0-4d8d-9bc8-db4a8cc5db01": "The Corporation also elects to account for certain asset-backed secured\nfinancings, which are also classified in short-term borrowings, under the fair\nvalue option. Election of the fair value option allows the Corporation to reduce\nthe accounting volatility that would otherwise result from the asymmetry\ncreated by accounting for the asset-backed secured financings at historical\ncost and the corresponding mortgage LHFS securing these financings at fair\nvalue.\nLong-term Debt\nLong-term Debt\nThe Corporation elects to account for certain long-term debt, primarily\nstructured liabilities, under the fair value option. This\nlong-term debt is either risk-managed on a fair value basis or the related\nhedges do not qualify for hedge accounting.\nFair Value Option Elections\nFair Value Option Elections\nThe following tables provide information about the fair value carrying amount\nand the contractual principal outstanding of assets and liabilities accounted\nfor under the fair value option at December 31, 2023 and 2022, and\ninformation about where changes in the fair value of assets and liabilities\naccounted for under the fair value option are included in the Consolidated\nStatement of Income for 2023, 2022 and 2021.\nFair Value Option Elections\nFair Value Option Elections\nDecember 31, 2023\nDecember 31, 2023\nDecember 31, 2022\n(Dollars in millions)\nFair Value\nFair Value\n Carrying\n Carrying\n Amount\n Amount\nContractual\nContractual\n Principal\n Principal\n Outstanding\n Outstanding\nFair Value \nFair Value \nCarrying \nCarrying \nAmount Less\nAmount Less\n Unpaid Principal\n Unpaid Principal\nFair Value \nCarrying \nAmount\nContractual\n Principal\n Outstanding\nFair Value \nCarrying\n Amount Less\n Unpaid Principal\nFederal funds sold and securities borrowed or purchased under\nagreements to resell\n$\n$\n133,053\n133,053\n \n$\n$\n133,001\n133,001\n \n$\n$\n52\n52\n \n$\n146,999\n \n$\n147,158\n \n$\n(\n159\n)\nLoans reported as trading account assets \n8,377\n8,377\n \n15,580\n15,580\n \n(\n(\n7,203\n7,203\n)\n)\n10,143\n \n17,682\n \n(\n7,539\n)\nTrading inventory \u2013 other\n25,282\n25,282\n \nn/a\nn/a\nn/a\nn/a\n20,770\n \nn/a\nn/a\nConsumer and commercial loans\n3,569\n3,569\n \n3,618\n3,618\n \n(\n(\n49\n49\n)\n)\n5,771\n \n5,897\n \n(\n126\n)\nLoans held-for-sale \n2,059\n2,059\n \n2,873\n2,873\n \n(\n(\n814\n814\n)\n)\n1,115\n \n1,873\n \n(\n758\n)\nOther assets\n1,986\n1,986\n \nn/a\nn/a\nn/a\nn/a\n620\n \nn/a\nn/a\nLong-term deposits\n284\n284\n \n267\n267\n \n17\n17\n \n311\n \n381\n \n(\n70\n)\nFederal funds purchased and securities loaned or sold under\nagreements to repurchase\n178,609\n178,609\n \n178,634\n178,634\n \n(\n(\n25\n25\n)\n)\n151,708\n \n151,885\n \n(\n177\n)\nShort-term borrowings\n4,690\n4,690\n \n4,694\n4,694\n \n(\n(\n4\n4\n)\n)\n832\n \n833\n \n(\n1\n)\nUnfunded loan commitments\n67\n67\n \nn/a\nn/a\nn/a\nn/a\n110\n \nn/a\nn/a\nAccrued expenses and other liabilities\n1,341\n1,341\n \n1,347\n1,347\n \n(\n(\n6\n6\n)\n)\n1,217\n \n1,161\n \n56\n \nLong-term debt\n42,809\n42,809\n \n46,707\n46,707\n \n(\n(\n3,898\n3,898\n)\n)\n33,070\n \n36,830\n \n(\n3,760\n)\nA significant portion of the loans reported as trading account assets and LHFS are distressed loans that were purchased at a deep discount to par, and the remainder are loans with a fair value near contractual principal outstanding.\nn/a = not applicable\n(1)\n(1)\n(1)\n161\n161\n \nBank of America", "47bc0be6-b1eb-404f-8fd9-454cb1a6369b": "Gains (Losses) Related to Assets and Liabilities Accounted for Under the Fair Value Option\nGains (Losses) Related to Assets and Liabilities Accounted for Under the Fair Value Option\nMarket making\nMarket making\n and similar\n and similar\n activities\n activities\nOther \nOther \nIncome\nIncome\nTotal\nTotal\n(Dollars in millions)\n2023\n2023\nLoans reported as trading account assets\n$\n$\n251\n251\n \n\u2014\n\u2014\n \n$\n$\n251\n251\n \nTrading inventory \u2013 other \n5,121\n5,121\n \n\u2014\n\u2014\n \n5,121\n5,121\n \nConsumer and commercial loans\n(\n(\n174\n174\n)\n)\n67\n67\n \n(\n(\n107\n107\n)\n)\nLoans held-for-sale \n\u2014\n\u2014\n \n22\n22\n \n22\n22\n \nShort-term borrowings\n7\n7\n \n\u2014\n\u2014\n \n7\n7\n \nUnfunded loan commitments\n(\n(\n1\n1\n)\n)\n39\n39\n \n38\n38\n \nAccrued expenses and other liabilities\n609\n609\n \n\u2014\n\u2014\n \n609\n609\n \nLong-term debt \n(\n(\n1,143\n1,143\n)\n)\n(\n(\n35\n35\n)\n)\n(\n(\n1,178\n1,178\n)\n)\nOther \n93\n93\n \n(\n(\n23\n23\n)\n)\n70\n70\n \nTotal\nTotal\n$\n$\n4,763\n4,763\n \n$\n$\n70\n70\n \n$\n$\n4,833\n4,833\n \n2022\nLoans reported as trading account assets\n$\n(\n164\n)\n$\n\u2014\n \n$\n(\n164\n)\nTrading inventory \u2013 other \n(\n1,159\n)\n\u2014\n \n(\n1,159\n)\nConsumer and commercial loans\n(\n58\n)\n(\n27\n)\n(\n85\n)\nLoans held-for-sale \n\u2014\n \n(\n304\n)\n(\n304\n)\nShort-term borrowings\n639\n \n\u2014\n \n639\n \nUnfunded loan commitments\n\u2014\n \n8\n \n8\n \nAccrued expenses and other liabilities\n11\n \n\u2014\n \n11\n \nLong-term debt \n4,359\n \n(\n46\n)\n4,313\n \nOther \n74\n \n30\n \n104\n \nTotal\nTotal\n$\n3,702\n \n$\n(\n339\n)\n$\n3,363\n \n2021\nLoans reported as trading account assets\n$\n275\n \n$\n\u2014\n \n$\n275\n \nTrading inventory \u2013 other \n(\n211\n)\n\u2014\n \n(\n211\n)\nConsumer and commercial loans\n78\n \n40\n \n118\n \nLoans held-for-sale \n\u2014\n \n58\n \n58\n \nShort-term borrowings\n883\n \n\u2014\n \n883\n \nLong-term debt \n(\n604\n)\n(\n41\n)\n(\n645\n)\nOther \n18\n \n(\n23\n)\n(\n5\n)\nTotal\nTotal\n$\n439\n \n$\n34\n \n$\n473\n \n The gains (losses) in market making and similar activities are primarily offset by (losses) gains on trading liabilities that hedge these assets.\n Includes the value of IRLCs on funded loans, including those sold during the period.\n The net gains (losses) in market making and similar activities relate to the embedded derivatives in structured liabilities and are typically offset by (losses) gains on derivatives and securities that hedge these liabilities. For the cumulative impact of changes in the\nCorporation\u2019s own credit spreads and the amount recognized in accumulated OCI, see \nNote 14 \u2013 Accumulated Other Comprehensive Income (Loss)\n. For more information on how the Corporation\u2019s own credit spread is determined, see \nNote 20 \u2013 Fair Value\nMeasurements.\n Includes gains (losses) on federal funds sold and securities borrowed or purchased under agreements to resell, other assets, long-term deposits, and federal funds purchased and securities loaned or sold under agreements to repurchase.", "13cc0613-2150-43c0-8cd5-da111a95bc86": "Includes the value of IRLCs on funded loans, including those sold during the period.\n The net gains (losses) in market making and similar activities relate to the embedded derivatives in structured liabilities and are typically offset by (losses) gains on derivatives and securities that hedge these liabilities. For the cumulative impact of changes in the\nCorporation\u2019s own credit spreads and the amount recognized in accumulated OCI, see \nNote 14 \u2013 Accumulated Other Comprehensive Income (Loss)\n. For more information on how the Corporation\u2019s own credit spread is determined, see \nNote 20 \u2013 Fair Value\nMeasurements.\n Includes gains (losses) on federal funds sold and securities borrowed or purchased under agreements to resell, other assets, long-term deposits, and federal funds purchased and securities loaned or sold under agreements to repurchase.\nGains (Losses) Related to Borrower-specific Credit Risk for Assets and Liabilities Accounted for Under the Fair Value\nGains (Losses) Related to Borrower-specific Credit Risk for Assets and Liabilities Accounted for Under the Fair Value\nOption\nOption\n(Dollars in millions)\n2023\n2023\n2022\n2021\nLoans reported as trading account assets\n$\n$\n(\n(\n3\n3\n)\n)\n$\n(\n950\n)\n$\n128\n \nConsumer and commercial loans\n44\n44\n \n(\n51\n)\n7\n \nLoans held-for-sale\n(\n(\n15\n15\n)\n)\n(\n23\n)\n28\n \nUnfunded loan commitments\n39\n39\n \n8\n \n(\n1\n)\nNOTE 22 \nNOTE 22 \nFair Value of Financial Instruments\nFair Value of Financial Instruments\nFinancial instruments are classified within the fair value hierarchy using the\nmethodologies described in \nNote 20 \u2013 Fair Value Measurements\n. Certain\nloans, deposits, long-term debt, unfunded lending commitments and other\nfinancial instruments are accounted for under the fair value option. For more\ninformation, see \nNote 21 \u2013 Fair Value Option\n. The following disclosures\ninclude financial instruments that are not carried at fair value or only a portion\nof the ending balance is carried at fair value on the Consolidated Balance\nSheet.\nShort-term Financial Instruments\nShort-term Financial Instruments\nThe carrying value of short-term financial instruments, including cash and\ncash equivalents, certain time deposits placed and other short-term\ninvestments, federal funds sold and purchased, certain resale and\nrepurchase agreements and short-term borrowings, approximates the fair\nvalue of these instruments. These financial instruments generally expose the\nCorporation to limited credit risk and have no stated maturities or have short-\nterm maturities and carry interest rates that approximate market. The\nCorporation accounts for certain resale and repurchase agreements under the\nfair value option.\n(1)\n(2)\n(3)\n(4)\n(1)\n(2)\n(3)\n(4)\n(1)\n(2)\n(3)\n(4)\n(1)\n(2)\n(3)\n(4)\nBank of America \n162\n162", "5be6cf9f-80e1-44f0-ab0e-2c58fca790aa": "Under the fair value hierarchy, cash and cash equivalents are classified as\nLevel 1. Time deposits placed and other short-term investments, such as U.S.\ngovernment securities and short-term commercial paper, are classified as\nLevel 1 or Level 2. Federal funds sold and purchased are classified as Level\n2. Resale and repurchase agreements are classified as Level 2 because they\nare generally short-dated and/or variable-rate instruments collateralized by\nU.S. government or agency securities. Short-term borrowings are generally\nclassified as Level 2.\nFair Value of Financial Instruments\nFair Value of Financial Instruments\nThe carrying values and fair values by fair value hierarchy of certain financial\ninstruments where only a portion of the ending balance was carried at fair\nvalue at December 31, 2023 and 2022 are presented in the table below.\nFair Value of Financial Instruments\nFair Value of Financial Instruments\nFair Value\nFair Value\nCarrying Value\nCarrying Value\nLevel 2\nLevel 2\nLevel 3\nLevel 3\nTotal\nTotal\n(Dollars in millions)\nDecember 31, 2023\nDecember 31, 2023\nFinancial assets\nFinancial assets\nLoans\n$\n$\n1,020,281\n1,020,281\n \n$\n$\n49,311\n49,311\n \n$\n$\n949,977\n949,977\n \n$\n$\n999,288\n999,288\n \nLoans held-for-sale\n6,002\n6,002\n \n3,024\n3,024\n \n2,979\n2,979\n \n6,003\n6,003\n \nFinancial liabilities\nFinancial liabilities\nDeposits \n1,923,827\n1,923,827\n \n1,925,015\n1,925,015\n \n\u2014\n\u2014\n \n1,925,015\n1,925,015\n \nLong-term debt\n302,204\n302,204\n \n303,070\n303,070\n \n913\n913\n \n303,983\n303,983\n \nCommercial unfunded lending\ncommitments \n1,275\n1,275\n \n44\n44\n \n3,927\n3,927\n \n3,971\n3,971\n \nDecember 31, 2022\nFinancial assets\nFinancial assets\nLoans\n$\n1,014,593\n \n$\n50,194\n \n$\n935,282\n \n$\n985,476\n \nLoans held-for-sale\n6,871\n \n3,417\n \n3,455\n \n6,872\n \nFinancial liabilities\nFinancial liabilities\nDeposits \n1,930,341\n \n1,930,165\n \n\u2014\n \n1,930,165\n \nLong-term debt\n275,982\n \n271,993\n \n1,136\n \n273,129\n \nCommercial unfunded lending\ncommitments \n1,650\n \n77\n \n6,596\n \n6,673\n \nIncludes demand deposits of $\n897.3\n billion and $\n918.9\n billion with \nno\n stated maturities at December 31, 2023 and 2022.\n The carrying value of commercial unfunded lending commitments is included in accrued expenses and other liabilities on the\nConsolidated Balance Sheet. The Corporation does not estimate the fair value of consumer unfunded lending commitments\nbecause, in many instances, the Corporation can reduce or cancel these commitments by providing notice to the borrower.\nFor more information on commitments, see \nNote 12 \u2013 Commitments and Contingencies\n.\nNOTE 23 \nNOTE 23 \nBusiness Segment Information\nBusiness Segment Information\nThe Corporation reports its results of operations through the following \nfour\nbusiness segments: \nConsumer Banking\n, \nGlobal Wealth & Investment\nManagement,\n \nGlobal Banking\n and \nGlobal Markets\n, with the remaining\noperations recorded in \nAll Other\n.\nConsumer Banking\nConsumer Banking\nConsumer Banking \noffers a diversified range of credit, banking and investment\nproducts and services to consumers and small businesses. \nConsumer\nBanking\n product offerings include traditional savings accounts, money market\nsavings accounts, CDs and IRAs, checking accounts, and investment\naccounts and products, as well as credit and debit cards, residential\nmortgages and home equity loans, and direct and indirect loans to consumers\nand small businesses in the U.S. \nConsumer\n \nBanking\n includes the impact of\nservicing residential mortgages and home equity loans.\nGlobal Wealth & Investment Management\nGlobal Wealth & Investment Management\nGWIM\n provides a high-touch client experience through a network of financial\nadvisors focused on clients with over $250,000 in total investable assets,\nincluding tailored solutions to meet clients\u2019 needs through a full set of\ninvestment management, brokerage, banking and retirement products.", "a1b22c21-e9f0-43f8-b7dc-56068e14cb20": "Consumer Banking\nConsumer Banking\nConsumer Banking \noffers a diversified range of credit, banking and investment\nproducts and services to consumers and small businesses. \nConsumer\nBanking\n product offerings include traditional savings accounts, money market\nsavings accounts, CDs and IRAs, checking accounts, and investment\naccounts and products, as well as credit and debit cards, residential\nmortgages and home equity loans, and direct and indirect loans to consumers\nand small businesses in the U.S. \nConsumer\n \nBanking\n includes the impact of\nservicing residential mortgages and home equity loans.\nGlobal Wealth & Investment Management\nGlobal Wealth & Investment Management\nGWIM\n provides a high-touch client experience through a network of financial\nadvisors focused on clients with over $250,000 in total investable assets,\nincluding tailored solutions to meet clients\u2019 needs through a full set of\ninvestment management, brokerage, banking and retirement products. \nGWIM\nalso provides comprehensive wealth management solutions targeted to high\nnet worth and ultra high net worth clients, as well as customized solutions to\nmeet clients\u2019 wealth structuring, investment management, trust and banking\nneeds, including specialty asset management services.\nGlobal Banking\nGlobal Banking\nGlobal Banking\n provides a wide range of lending-related products and\nservices, integrated working capital management and treasury solutions, and\nunderwriting and advisory services through the Corporation\u2019s network of\noffices and client relationship teams. \nGlobal Banking \nalso provides\ninvestment banking products to clients. The economics of certain investment\nbanking and underwriting activities are shared primarily between \nGlobal\nBanking \nand \nGlobal Markets\n under an internal revenue-sharing arrangement.\nGlobal Banking\n clients generally include middle-market companies,\ncommercial real estate firms, not-for-profit companies, large global\ncorporations, financial institutions, leasing clients, and mid-sized U.S.-based\nbusinesses requiring customized and integrated financial advice and\nsolutions.\nGlobal Markets\nGlobal Markets\nGlobal Markets\n offers sales and trading services and research services to\ninstitutional clients across fixed-income, credit, currency, commodity and\nequity businesses. \nGlobal Markets \nprovides market-making, financing,\nsecurities clearing, settlement and custody services globally to institutional\ninvestor clients in support of their investing and trading activities. \nGlobal\nMarkets\n product coverage includes securities and derivative products in both\nthe primary and secondary markets. \nGlobal Markets\n also works with\ncommercial and corporate clients to provide risk management products. As a\nresult of market-making activities, \nGlobal Markets \nmay be required to manage\nrisk in a broad range of financial products. In addition, the economics of\ncertain investment banking and underwriting activities are shared primarily\nbetween \nGlobal Markets \nand\n Global Banking\n under an internal revenue-\nsharing arrangement.\nAll Other\nAll Other\nAll Other\n primarily consists of ALM activities, liquidating businesses and\ncertain expenses not otherwise allocated to a business segment. ALM\nactivities encompass interest rate and foreign currency risk management\nactivities for which substantially all of the results are allocated to the business\nsegments.\nBasis of Presentation\nBasis of Presentation\nThe management accounting and reporting process derives segment and\nbusiness results by utilizing allocation methodologies for revenue and\nexpense. The net income derived for the businesses is dependent upon\nrevenue and cost allocations using an activity-based costing model, funds\ntransfer pricing, and other methodologies and assumptions management\nbelieves are appropriate to reflect the results of the business.\nTotal revenue, net of interest expense, includes net interest income on an\nFTE basis and noninterest income. The adjustment of net interest income to\nan FTE basis results in a corresponding increase in income tax expense. The\nsegment results also reflect certain revenue and expense methodologies\n(1)\n(2)\n(1)\n(2)\n(1) \n(2)\n163\n163\n \nBank of America", "d42584c9-690a-4f32-a7a2-faff2cee250c": "that are utilized to determine net income. The net interest income of the\nbusinesses includes the results of a funds transfer pricing process that\nmatches assets and liabilities with similar interest rate sensitivity and maturity\ncharacteristics. In segments where the total of liabilities and equity exceeds\nassets, which are generally deposit-taking segments, the Corporation\nallocates assets to match liabilities. Net interest income of the business\nsegments also includes an allocation of net interest income generated by\ncertain of the Corporation\u2019s ALM activities.\nThe Corporation\u2019s ALM activities include an overall interest rate risk\nmanagement strategy that incorporates the use of various derivatives and\ncash instruments to manage fluctuations in earnings and capital that are\ncaused by interest rate volatility. The Corporation\u2019s goal is to manage interest\nrate sensitivity so that movements in interest rates do not significantly\nadversely affect earnings and capital. The results of\na majority of the Corporation\u2019s ALM activities are allocated to the business\nsegments and fluctuate based on the performance of the ALM activities. ALM\nactivities include external product pricing decisions including deposit pricing\nstrategies, the effects of the Corporation\u2019s internal funds transfer pricing\nprocess and the net effects of other ALM activities.\nCertain expenses not directly attributable to a specific business segment\nare allocated to the segments. The costs of certain centralized or shared\nfunctions are allocated based on methodologies that reflect utilization.\nThe table below presents net income (loss) and the components thereto\n(with net interest income on an FTE basis for the business segments, \nAll\nOther\n and the total Corporation) for 2023, 2022 and 2021, and total assets at\nDecember 31, 2023, 2022 and 2021 for each business segment, as well as\nAll Other.\nResults of Business Segments and All Other\nResults of Business Segments and All Other\nAt and for the year ended December 31\nAt and for the year ended December 31\nTotal Corporation\nTotal Corporation\nConsumer Banking\nConsumer Banking\n(Dollars in millions)\n2023\n2023\n2022\n2021\n2023\n2023\n2022\n2021\nNet interest income\n$\n$\n57,498\n57,498\n \n$\n52,900\n \n$\n43,361\n \n$\n$\n33,689\n33,689\n \n$\n30,045\n \n$\n24,929\n \nNoninterest income\n41,650\n41,650\n \n42,488\n \n46,179\n \n8,342\n8,342\n \n8,590\n \n9,076\n \nTotal revenue, net of interest expense\n99,148\n99,148\n \n95,388\n \n89,540\n \n42,031\n42,031\n \n38,635\n \n34,005\n \nProvision for credit losses\n4,394\n4,394\n \n2,543\n \n(\n4,594\n)\n5,158\n5,158\n \n1,980\n \n(\n1,035\n)\nNoninterest expense\n65,845\n65,845\n \n61,438\n \n59,731\n \n21,416\n21,416\n \n20,077\n \n19,290\n \nIncome before income taxes\n28,909\n28,909\n \n31,407\n \n34,403\n \n15,457\n15,457\n \n16,578\n \n15,750\n \nIncome tax expense\n2,394\n2,394\n \n3,879\n \n2,425\n \n3,864\n3,864\n \n4,062\n \n3,859\n \nNet income\nNet income\n$\n$\n26,515\n26,515\n \n$\n27,528\n \n$\n31,978\n \n$\n$\n11,593\n11,593\n \n$\n12,516\n \n$\n11,891\n \nYear-end total assets\nYear-end total assets\n$\n$\n3,180,151\n3,180,151\n \n$\n3,051,375\n \n$\n$\n1,049,830\n1,049,830\n \n$\n1,126,453\n \nGlobal Wealth & Investment Management\nGlobal Wealth & Investment Management\nGlobal Banking\nGlobal Banking\n2023\n2023\n2022\n2021\n2023\n2023\n2022\n2021\nNet interest income\n$\n$\n7,147\n7,147\n \n$\n7,466\n \n$\n5,664\n \n$\n$\n14,645\n14,645\n \n$\n12,184\n \n$\n8,511\n \nNoninterest income\n13,958\n13,958\n \n14,282\n \n15,084\n \n10,151\n10,151\n \n10,045\n \n12,364\n \nTotal revenue, net of interest expense\n21,105\n21,105\n \n21,748\n \n20,748\n \n24,796\n24,796\n \n22,229\n \n20,", "177e74d5-3bcb-460d-86e2-c620c72348d7": "180,151\n3,180,151\n \n$\n3,051,375\n \n$\n$\n1,049,830\n1,049,830\n \n$\n1,126,453\n \nGlobal Wealth & Investment Management\nGlobal Wealth & Investment Management\nGlobal Banking\nGlobal Banking\n2023\n2023\n2022\n2021\n2023\n2023\n2022\n2021\nNet interest income\n$\n$\n7,147\n7,147\n \n$\n7,466\n \n$\n5,664\n \n$\n$\n14,645\n14,645\n \n$\n12,184\n \n$\n8,511\n \nNoninterest income\n13,958\n13,958\n \n14,282\n \n15,084\n \n10,151\n10,151\n \n10,045\n \n12,364\n \nTotal revenue, net of interest expense\n21,105\n21,105\n \n21,748\n \n20,748\n \n24,796\n24,796\n \n22,229\n \n20,875\n \nProvision for credit losses\n6\n6\n \n66\n \n(\n241\n)\n(\n(\n586\n586\n)\n)\n641\n \n(\n3,201\n)\nNoninterest expense\n15,836\n15,836\n \n15,490\n \n15,258\n \n11,344\n11,344\n \n10,966\n \n10,632\n \nIncome before income taxes\n5,263\n5,263\n \n6,192\n \n5,731\n \n14,038\n14,038\n \n10,622\n \n13,444\n \nIncome tax expense\n1,316\n1,316\n \n1,517\n \n1,404\n \n3,790\n3,790\n \n2,815\n \n3,630\n \nNet income\nNet income\n$\n$\n3,947\n3,947\n \n$\n4,675\n \n$\n4,327\n \n$\n$\n10,248\n10,248\n \n$\n7,807\n \n$\n9,814\n \nYear-end total assets\nYear-end total assets\n$\n$\n344,626\n344,626\n \n$\n368,893\n \n$\n$\n621,751\n621,751\n \n$\n588,466\n \n \nGlobal Markets\nGlobal Markets\nAll Other\nAll Other\n \n2023\n2023\n2022\n2021\n2023\n2023\n2022\n2021\nNet interest income\n$\n$\n1,678\n1,678\n \n$\n3,088\n \n$\n4,011\n \n$\n$\n339\n339\n \n$\n117\n \n$\n246\n \nNoninterest income\n17,849\n17,849\n \n15,050\n \n15,244\n \n(\n(\n8,650\n8,650\n)\n)\n(\n5,479\n)\n(\n5,589\n)\nTotal revenue, net of interest expense\n19,527\n19,527\n \n18,138\n \n19,255\n \n(\n(\n8,311\n8,311\n)\n)\n(\n5,362\n)\n(\n5,343\n)\nProvision for credit losses\n(\n(\n131\n131\n)\n)\n28\n \n65\n \n(\n(\n53\n53\n)\n)\n(\n172\n)\n(\n182\n)\nNoninterest expense\n13,206\n13,206\n \n12,420\n \n13,032\n \n4,043\n4,043\n \n2,485\n \n1,519\n \nIncome (loss) before income taxes\n6,452\n6,452\n \n5,690\n \n6,158\n \n(\n(\n12,301\n12,301\n)\n)\n(\n7,675\n)\n(\n6,680\n)\nIncome tax expense (benefit)\n1,774\n1,774\n \n1,508\n \n1,601\n \n(\n(\n8,350\n8,350\n)\n)\n(\n6,023\n)\n(\n8,069\n)\nNet income (loss)\nNet income (loss)\n$\n$\n4,678\n4,678\n \n$\n4,182\n \n$\n4,557\n \n$\n$\n(\n(\n3,951\n3,951\n)\n)\n$\n(\n1,652\n)\n$\n1,389\n \nYear-end total assets\nYear-end total assets\n$\n$\n817,588\n817,588\n \n$\n812,489\n \n$\n$\n346,356\n346,356\n \n$\n155,074\n \nThere were no material intersegment revenues.\n (1)\n (1)\n(1)\nBank of America \n164\n164", "52d84aa2-a191-450f-b1e2-e51d10150d62": "The table below presents noninterest income and the associated components for 2023, 2022, and 2021 for each business segment, \nAll Other \nand the total\nCorporation. For more information, see \nNote 2 \u2013 Net Interest Income and Noninterest Income\n.\nNoninterest Income by Business Segment and All Other\nNoninterest Income by Business Segment and All Other\nTotal Corporation\nTotal Corporation\nConsumer Banking\nConsumer Banking\nGlobal Wealth & \nGlobal Wealth & \nInvestment Management\nInvestment Management\n(Dollars in millions)\n2023\n2023\n2022\n2021\n2023\n2023\n2022\n2021\n2023\n2023\n2022\n2021\nFees and commissions:\nFees and commissions:\nCard income\nCard income\nInterchange fees\n$\n$\n3,983\n3,983\n \n$\n4,096\n \n$\n4,560\n \n$\n$\n3,157\n3,157\n \n$\n3,239\n \n$\n3,597\n \n$\n$\n(\n(\n12\n12\n)\n)\n$\n20\n \n$\n43\n \nOther card income\n2,071\n2,071\n \n1,987\n \n1,658\n \n2,107\n2,107\n \n1,930\n \n1,575\n \n57\n57\n \n50\n \n42\n \nTotal card income\n6,054\n6,054\n \n6,083\n \n6,218\n \n5,264\n5,264\n \n5,169\n \n5,172\n \n45\n45\n \n70\n \n85\n \nService charges\nService charges\nDeposit-related fees\n4,382\n4,382\n \n5,190\n \n6,271\n \n2,317\n2,317\n \n2,706\n \n3,538\n \n41\n41\n \n65\n \n72\n \nLending-related fees\n1,302\n1,302\n \n1,215\n \n1,233\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n \n37\n37\n \n8\n \n\u2014\n \nTotal service charges\n5,684\n5,684\n \n6,405\n \n7,504\n \n2,317\n2,317\n \n2,706\n \n3,538\n \n78\n78\n \n73\n \n72\n \nInvestment and brokerage services\nInvestment and brokerage services\nAsset management fees\n12,002\n12,002\n \n12,152\n \n12,729\n \n197\n197\n \n195\n \n188\n \n11,805\n11,805\n \n11,957\n \n12,541\n \nBrokerage fees\n3,561\n3,561\n \n3,749\n \n3,961\n \n111\n111\n \n109\n \n132\n \n1,408\n1,408\n \n1,604\n \n1,771\n \nTotal investment and brokerage services\n15,563\n15,563\n \n15,901\n \n16,690\n \n308\n308\n \n304\n \n320\n \n13,213\n13,213\n \n13,561\n \n14,312\n \nInvestment banking fees\nInvestment banking fees\nUnderwriting income\n2,235\n2,235\n \n1,970\n \n5,077\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n \n171\n171\n \n189\n \n388\n \nSyndication fees\n898\n898\n \n1,070\n \n1,499\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n \nFinancial advisory services\n1,575\n1,575\n \n1,783\n \n2,311\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n \nTotal investment banking fees\n4,708\n4,708\n \n4,823\n \n8,887\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n \n171\n171\n \n189\n \n388\n \nTotal fees and commissions\nTotal fees and commissions\n32,009\n32,009\n \n33,212\n \n39,299\n \n7,889\n7,889\n \n8,179\n \n9,030\n \n13,507\n13,507\n \n13,893\n \n14,857\n \nMarket making and similar activities\nMarket making and similar activities\n12,732\n12,732\n \n12,075\n \n8,691\n \n20\n20\n \n10\n \n1\n \n137\n137\n \n102\n \n40\n \nOther income (loss)\nOther income (loss)\n(\n(\n3,091\n3,091\n)\n)\n(\n2,799\n)\n(\n1,811\n)\n433\n433\n \n401\n \n45\n \n314\n314\n \n287\n \n187\n \nTotal noninterest income\nTotal noninterest income\n$\n$\n41,650\n41,650\n \n$\n42,488\n \n$\n46,179\n \n$\n$\n8,342\n8,342\n \n$\n8,590\n \n$\n9,076\n \n$\n$\n13,958\n13,958\n \n$\n14,282\n \n$\n15,", "c85fc80a-d065-4df5-86e0-be1dcc18cd96": "212\n \n39,299\n \n7,889\n7,889\n \n8,179\n \n9,030\n \n13,507\n13,507\n \n13,893\n \n14,857\n \nMarket making and similar activities\nMarket making and similar activities\n12,732\n12,732\n \n12,075\n \n8,691\n \n20\n20\n \n10\n \n1\n \n137\n137\n \n102\n \n40\n \nOther income (loss)\nOther income (loss)\n(\n(\n3,091\n3,091\n)\n)\n(\n2,799\n)\n(\n1,811\n)\n433\n433\n \n401\n \n45\n \n314\n314\n \n287\n \n187\n \nTotal noninterest income\nTotal noninterest income\n$\n$\n41,650\n41,650\n \n$\n42,488\n \n$\n46,179\n \n$\n$\n8,342\n8,342\n \n$\n8,590\n \n$\n9,076\n \n$\n$\n13,958\n13,958\n \n$\n14,282\n \n$\n15,084\n \nGlobal Banking\nGlobal Banking\nGlobal Markets\nGlobal Markets\nAll Other \nAll Other \n2023\n2023\n2022\n2021\n2023\n2023\n2022\n2021\n2023\n2023\n2022\n2021\nFees and commissions:\nFees and commissions:\nCard income\nCard income\nInterchange fees\n$\n$\n772\n772\n \n$\n767\n \n$\n700\n \n$\n$\n66\n66\n \n$\n66\n \n$\n220\n \n$\n$\n\u2014\n\u2014\n \n$\n4\n \n$\n\u2014\n \nOther card income\n9\n9\n \n7\n \n13\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n \n(\n(\n102\n102\n)\n)\n\u2014\n \n28\n \nTotal card income\n781\n781\n \n774\n \n713\n \n66\n66\n \n66\n \n220\n \n(\n(\n102\n102\n)\n)\n4\n \n28\n \nService charges\nService charges\nDeposit-related fees\n1,943\n1,943\n \n2,310\n \n2,508\n \n79\n79\n \n101\n \n146\n \n2\n2\n \n8\n \n7\n \nLending-related fees\n1,009\n1,009\n \n983\n \n1,015\n \n256\n256\n \n224\n \n218\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n \nTotal service charges\n2,952\n2,952\n \n3,293\n \n3,523\n \n335\n335\n \n325\n \n364\n \n2\n2\n \n8\n \n7\n \nInvestment and brokerage services\nInvestment and brokerage services\nBrokerage fees\n57\n57\n \n42\n \n104\n \n1,993\n1,993\n \n2,002\n \n1,979\n \n(\n(\n8\n8\n)\n)\n(\n8\n)\n(\n25\n)\nTotal investment and brokerage services\n57\n57\n \n42\n \n104\n \n1,993\n1,993\n \n2,002\n \n1,979\n \n(\n(\n8\n8\n)\n)\n(\n8\n)\n(\n25\n)\nInvestment banking fees\nInvestment banking fees\nUnderwriting income\n922\n922\n \n796\n \n2,187\n \n1,298\n1,298\n \n1,176\n \n2,725\n \n(\n(\n156\n156\n)\n)\n(\n191\n)\n(\n223\n)\nSyndication fees\n505\n505\n \n565\n \n781\n \n393\n393\n \n505\n \n718\n \n\u2014\n\u2014\n \n\u2014\n \n\u2014\n \nFinancial advisory services\n1,392\n1,392\n \n1,643\n \n2,139\n \n183\n183\n \n139\n \n173\n \n\u2014\n\u2014\n \n1\n \n(\n1\n)\nTotal investment banking fees\n2,819\n2,819\n \n3,004\n \n5,107\n \n1,874\n1,874\n \n1,820\n \n3,616\n \n(\n(\n156\n156\n)\n)\n(\n190\n)\n(\n224\n)\nTotal fees and commissions\nTotal fees and commissions\n6,609\n6,609\n \n7,113\n \n9,447\n \n4,268\n4,268\n \n4,213\n \n6,179\n \n(\n(\n264\n264\n)\n)\n(\n186\n)\n(\n214\n)\nMarket making and similar activities\nMarket making and similar activities\n190\n190\n \n215\n \n145\n \n13,430\n13,430\n \n11,406\n \n8,760\n \n(\n(\n1,045\n1,045\n)\n)\n342\n \n(\n255\n)\nOther income (loss)\nOther income (loss)\n3,352\n3,352\n \n2,717\n \n2,772\n \n151\n151\n \n(\n569\n)\n305\n \n(\n(\n7,341\n7,341\n)\n)\n(\n5,635\n)\n(\n5,120\n)\nTotal noninterest income\nTotal noninterest income\n$\n$\n10,151\n10,151\n \n$\n10,045\n \n$\n12,364\n \n$\n$\n17,849\n17,", "eeeed6ea-56f8-47f5-a686-4aec1155c46d": "609\n6,609\n \n7,113\n \n9,447\n \n4,268\n4,268\n \n4,213\n \n6,179\n \n(\n(\n264\n264\n)\n)\n(\n186\n)\n(\n214\n)\nMarket making and similar activities\nMarket making and similar activities\n190\n190\n \n215\n \n145\n \n13,430\n13,430\n \n11,406\n \n8,760\n \n(\n(\n1,045\n1,045\n)\n)\n342\n \n(\n255\n)\nOther income (loss)\nOther income (loss)\n3,352\n3,352\n \n2,717\n \n2,772\n \n151\n151\n \n(\n569\n)\n305\n \n(\n(\n7,341\n7,341\n)\n)\n(\n5,635\n)\n(\n5,120\n)\nTotal noninterest income\nTotal noninterest income\n$\n$\n10,151\n10,151\n \n$\n10,045\n \n$\n12,364\n \n$\n$\n17,849\n17,849\n \n$\n15,050\n \n$\n15,244\n \n$\n$\n(\n(\n8,650\n8,650\n)\n)\n$\n(\n5,479\n)\n$\n(\n5,589\n)\nAll Other\n includes eliminations of intercompany transactions.\n(1)\n(1)\n(1)\n165\n165\n \nBank of America", "e6e797c8-019e-4cdc-97e2-baadadc78e89": "The table below presents a reconciliation of the \nfour\n business segments\u2019 total revenue, net of interest expense, on an FTE basis, and net income to the\nConsolidated Statement of Income, and total assets to the Consolidated Balance Sheet.\nBusiness Segment Reconciliations\nBusiness Segment Reconciliations\n(Dollars in millions)\n2023\n2023\n2022\n2021\nSegments\u2019 total revenue, net of interest expense\n$\n$\n107,459\n107,459\n \n$\n100,750\n \n$\n94,883\n \nAdjustments \n:\n \n \n \n \nAsset and liability management activities\n(\n(\n2,011\n2,011\n)\n)\n(\n164\n)\n(\n4\n)\nLiquidating businesses, eliminations and other\n(\n(\n6,300\n6,300\n)\n)\n(\n5,198\n)\n(\n5,339\n)\nFTE basis adjustment\n(\n(\n567\n567\n)\n)\n(\n438\n)\n(\n427\n)\nConsolidated revenue, net of interest expense\nConsolidated revenue, net of interest expense\n$\n$\n98,581\n98,581\n \n$\n94,950\n \n$\n89,113\n \nSegments\u2019 total net income\n30,466\n30,466\n \n29,180\n \n30,589\n \nAdjustments, net-of-tax \n:\n \n \nAsset and liability management activities\n(\n(\n1,550\n1,550\n)\n)\n(\n122\n)\n11\n \nLiquidating businesses, eliminations and other\n(\n(\n2,401\n2,401\n)\n)\n(\n1,530\n)\n1,378\n \nConsolidated net income\nConsolidated net income\n$\n$\n26,515\n26,515\n \n$\n27,528\n \n$\n31,978\n \nDecember 31\nDecember 31\n2023\n2023\n2022\nSegments\u2019 total assets\n$\n$\n2,833,795\n2,833,795\n \n$\n2,896,301\n \nAdjustments \n:\nAsset and liability management activities, including securities portfolio\n1,255,241\n1,255,241\n \n1,133,375\n \nElimination of segment asset allocations to match liabilities\n(\n(\n972,925\n972,925\n)\n)\n(\n1,041,793\n)\nOther\n64,040\n64,040\n \n63,492\n \nConsolidated total assets\nConsolidated total assets\n$\n$\n3,180,151\n3,180,151\n \n$\n3,051,375\n \nAdjustments include consolidated income, expense and asset amounts not specifically allocated to individual business segments.\nNOTE 24 \nNOTE 24 \nParent Company Information\nParent Company Information\nThe following tables present the Parent Company-only financial information.", "695bdfd6-229a-402a-a89e-7614703de966": "NOTE 24 \nNOTE 24 \nParent Company Information\nParent Company Information\nThe following tables present the Parent Company-only financial information.\nCondensed Statement of Income\nCondensed Statement of Income\n(Dollars in millions)\n2023\n2023\n2022\n2021\nIncome\nIncome\n \n \n \nDividends from subsidiaries:\n \n \n \nBank holding companies and related subsidiaries\n$\n$\n22,384\n22,384\n \n$\n22,250\n \n$\n15,621\n \nInterest from subsidiaries\n21,314\n21,314\n \n12,420\n \n8,362\n \nOther income (loss)\n(\n(\n1,012\n1,012\n)\n)\n(\n201\n)\n(\n114\n)\nTotal income\nTotal income\n42,686\n42,686\n \n34,469\n \n23,869\n \nExpense\nExpense\n \n \n \nInterest on borrowed funds from subsidiaries\n896\n896\n \n236\n \n54\n \nOther interest expense\n14,119\n14,119\n \n7,041\n \n3,383\n \nNoninterest expense\n1,699\n1,699\n \n1,322\n \n1,531\n \nTotal expense\nTotal expense\n16,714\n16,714\n \n8,599\n \n4,968\n \nIncome before income taxes and equity in undistributed earnings of subsidiaries\nIncome before income taxes and equity in undistributed earnings of subsidiaries\n25,972\n25,972\n \n25,870\n \n18,901\n \nIncome tax expense\n838\n838\n \n683\n \n886\n \nIncome before equity in undistributed earnings of subsidiaries\n25,134\n25,134\n \n25,187\n \n18,015\n \nEquity in undistributed earnings (losses) of subsidiaries:\n \n \n \nBank holding companies and related subsidiaries\n1,203\n1,203\n \n2,333\n \n14,078\n \nNonbank companies and related subsidiaries\n178\n178\n \n8\n \n(\n115\n)\nTotal equity in undistributed earnings (losses) of subsidiaries\nTotal equity in undistributed earnings (losses) of subsidiaries\n1,381\n1,381\n \n2,341\n \n13,963\n \nNet income\nNet income\n$\n$\n26,515\n26,515\n \n$\n27,528\n \n$\n31,978\n \n(1)\n(1)\n(1)\n(1)\nBank of America \n166\n166", "7e030990-c448-4942-ae45-52c91761c8c3": "Condensed Balance Sheet\nCondensed Balance Sheet\n \nDecember 31\nDecember 31\n(Dollars in millions)\n2023\n2023\n2022\nAssets\nAssets\n \n \nCash held at bank subsidiaries\n$\n$\n4,559\n4,559\n \n$\n9,609\n \nSecurities\n644\n644\n \n617\n \nReceivables from subsidiaries:\nBank holding companies and related subsidiaries\n249,320\n249,320\n \n222,584\n \nBanks and related subsidiaries\n205\n205\n \n220\n \nNonbank companies and related subsidiaries\n1,255\n1,255\n \n978\n \nInvestments in subsidiaries:\nBank holding companies and related subsidiaries\n306,946\n306,946\n \n301,207\n \nNonbank companies and related subsidiaries\n3,946\n3,946\n \n3,770\n \nOther assets\n6,799\n6,799\n \n7,156\n \nTotal assets\nTotal assets\n$\n$\n573,674\n573,674\n \n$\n546,141\n \nLiabilities and shareholders\u2019 equity\nLiabilities and shareholders\u2019 equity\n \n \nAccrued expenses and other liabilities\n$\n$\n14,510\n14,510\n \n$\n14,193\n \nPayables to subsidiaries:\nBanks and related subsidiaries\n207\n207\n \n260\n \nBank holding companies and related subsidiaries\n14\n14\n \n21\n \nNonbank companies and related subsidiaries\n17,756\n17,756\n \n14,578\n \nLong-term debt\n249,541\n249,541\n \n243,892\n \nTotal liabilities\nTotal liabilities\n282,028\n282,028\n \n272,944\n \nShareholders\u2019 equity\n291,646\n291,646\n \n273,197\n \nTotal liabilities and shareholders\u2019 equity\nTotal liabilities and shareholders\u2019 equity\n$\n$\n573,674\n573,674\n \n$\n546,141\n \nCondensed Statement of Cash Flows\nCondensed Statement of Cash Flows\n(Dollars in millions)\n2023\n2023\n2022\n2021\nOperating activities\nOperating activities\n \n \n \nNet income\n$\n$\n26,515\n26,515\n \n$\n27,528\n \n$\n31,978\n \nReconciliation of net income (loss) to net cash provided by (used in) operating activities:\n \n \n \nEquity in undistributed (earnings) losses of subsidiaries\n(\n(\n1,381\n1,381\n)\n)\n(\n2,341\n)\n(\n13,963\n)\nOther operating activities, net\n3,395\n3,395\n \n(\n31,777\n)\n(\n7,144\n)\nNet cash provided by (used in) operating activities\n28,529\n28,529\n \n(\n6,590\n)\n10,871\n \nInvesting activities\nInvesting activities\n \n \n \nNet sales (purchases) of securities\n(\n(\n15\n15\n)\n)\n25\n \n(\n14\n)\nNet payments to subsidiaries\n(\n(\n21,267\n21,267\n)\n)\n(\n6,044\n)\n(\n10,796\n)\nOther investing activities, net\n(\n(\n43\n43\n)\n)\n(\n34\n)\n(\n26\n)\nNet cash used in investing activities\n(\n(\n21,325\n21,325\n)\n)\n(\n6,053\n)\n(\n10,836\n)\nFinancing activities\nFinancing activities\n \n \n \nNet increase (decrease) in other advances\n2,825\n2,825\n \n2,853\n \n503\n \nProceeds from issuance of long-term debt\n23,950\n23,950\n \n44,123\n \n56,106\n \nRetirement of long-term debt\n(\n(\n25,366\n25,366\n)\n)\n(\n19,858\n)\n(\n24,544\n)\nProceeds from issuance of preferred stock and warrants\n\u2014\n\u2014\n \n4,426\n \n2,170\n \nRedemption of preferred stock\n\u2014\n\u2014\n \n(\n654\n)\n(\n1,971\n)\nCommon stock repurchased\n(\n(\n4,576\n4,576\n)\n)\n(\n5,073\n)\n(\n25,126\n)\nCash dividends paid\n(\n(\n9,087\n9,087\n)\n)\n(\n8,576\n)\n(\n8,055\n)\nNet cash provided by (used in) financing activities\n(\n(\n12,254\n12,254\n)\n)\n17,241\n \n(\n917\n)\nNet increase (decrease) in cash held at bank subsidiaries\n(\n(\n5,050\n5,050\n)\n)\n4,598\n \n(\n882\n)\nCash held at bank subsidiaries at January 1\n9,609\n9,609\n \n5,011\n \n5,893\n \nCash held at bank subsidiaries at December 31\nCash held at bank subsidiaries at December 31\n$\n$\n4,559\n4,559\n \n$\n9,609\n \n$\n5,011\n \n167\n167\n \nBank of America", "5275295c-84c2-44f5-b333-5fd1dbe9dfef": "NOTE 25 \nNOTE 25 \nPerformance by Geographical Area\nPerformance by Geographical Area\nThe Corporation\u2019s operations are highly integrated with operations in both U.S.\nand non-U.S. markets. The non-U.S. business activities are largely conducted\nin Europe, the Middle East and Africa and in Asia. The Corporation identifies its\ngeographic performance based on the business unit structure used to\nmanage the capital or expense deployed in the region\nas applicable. This requires certain judgments related to the allocation of\nrevenue so that revenue can be appropriately matched with the related capital\nor expense deployed in the region. \nCertain asset, liability, income and\nexpense amounts have been allocated to arrive at total assets, total revenue,\nnet of interest expense, income before income taxes and net income by\ngeographic area as presented below.\n(Dollars in millions)\n \nTotal Assets at\nTotal Assets at\nYear End\nYear End\nTotal Revenue,\nTotal Revenue,\nNet of Interest\nNet of Interest\nExpense\nExpense\nIncome Before\nIncome Before\nIncome Taxes\nIncome Taxes\nNet Income\nNet Income\nU.S. \n2023\n2023\n$\n$\n2,768,003\n2,768,003\n \n$\n$\n85,571\n85,571\n \n$\n$\n24,525\n24,525\n \n$\n$\n23,656\n23,656\n \n \n2022\n2,631,815\n \n82,890\n \n28,135\n \n25,607\n \n \n2021\n78,012\n \n31,392\n \n27,781\n \nAsia\n2023\n2023\n139,967\n139,967\n \n4,952\n4,952\n \n1,512\n1,512\n \n1,139\n1,139\n \n \n2022\n127,399\n \n4,597\n \n1,144\n \n865\n \n \n2021\n4,439\n \n988\n \n733\n \nEurope, Middle East and Africa\n2023\n2023\n238,052\n238,052\n \n6,393\n6,393\n \n1,540\n1,540\n \n1,098\n1,098\n \n \n2022\n262,856\n \n6,044\n \n1,121\n \n689\n \n \n2021\n5,423\n \n1,097\n \n3,134\n \nLatin America and the Caribbean\n2023\n2023\n34,129\n34,129\n \n1,665\n1,665\n \n765\n765\n \n622\n622\n \n \n2022\n29,305\n \n1,419\n \n569\n \n367\n \n \n2021\n1,239\n \n499\n \n330\n \nTotal Non-U.S. \n2023\n2023\n412,148\n412,148\n \n13,010\n13,010\n \n3,817\n3,817\n \n2,859\n2,859\n \n \n2022\n419,560\n \n12,060\n \n2,834\n \n1,921\n \n \n2021\n11,101\n \n2,584\n \n4,197\n \nTotal Consolidated\nTotal Consolidated\n2023\n2023\n$\n$\n3,180,151\n3,180,151\n \n$\n$\n98,581\n98,581\n \n$\n$\n28,342\n28,342\n \n$\n$\n26,515\n26,515\n \n \n2022\n3,051,375\n \n94,950\n \n30,969\n \n27,528\n \n \n2021\n89,113\n \n33,976\n \n31,978\n \nTotal assets include long-lived assets, which are primarily located in the U.S.\nThere were no material intercompany revenues between geographic regions for any of the periods presented.\nSubstantially reflects the U.S.\n (1)\n (1)\n (2)\n (2)\n(3)\n(1)\n(2)\n(3)\nBank of America \n168\n168", "1500412c-c521-4193-be1e-a61984ca402a": "Glossary\nGlossary\nAlt-A Mortgage \nAlt-A Mortgage \n\u2013\n \nA type of U.S. mortgage that is considered riskier than A-\npaper, or \u201cprime,\u201d and less risky than \u201csubprime,\u201d the riskiest category.\nTypically, Alt-A mortgages are characterized by borrowers with less than full\ndocumentation, lower credit scores and higher LTVs.\nAssets Under Management (AUM) \nAssets Under Management (AUM) \n\u2013 The total market value of assets under\nthe investment advisory and/or discretion of \nGWIM\n which generate asset\nmanagement fees based on a percentage of the assets\u2019 market values. AUM\nreflects assets that are generally managed for institutional, high net worth and\nretail clients, and are distributed through various investment products\nincluding mutual funds, other commingled vehicles and separate accounts.\nBanking Book\nBanking Book\n \u2013 All on- and off-balance sheet financial instruments of the\nCorporation except for those positions that are held for trading purposes.\nBrokerage and Other Assets\nBrokerage and Other Assets\n \n\u2013 Non-discretionary client assets which are\nheld in brokerage accounts or held for safekeeping.\nCommitted Credit Exposure\nCommitted Credit Exposure\n \n\u2013 Any funded portion of a facility plus the\nunfunded portion of a facility on which the lender is legally bound to advance\nfunds during a specified period under prescribed conditions.\nCredit Derivatives \nCredit Derivatives \n\u2013 Contractual agreements that provide protection against\na specified credit event on one or more referenced obligations.\nCredit Valuation Adjustment (CVA)\nCredit Valuation Adjustment (CVA)\n \u2013 A portfolio adjustment required to\nproperly reflect the counterparty credit risk exposure as part of the fair value of\nderivative instruments.\nDebit Valuation Adjustment (DVA)\nDebit Valuation Adjustment (DVA)\n \n\u2013 A portfolio adjustment required to\nproperly reflect the Corporation\u2019s own credit risk exposure as part of the fair\nvalue of derivative instruments and/or structured liabilities.\nFunding Valuation Adjustment (FVA)\nFunding Valuation Adjustment (FVA)\n \n\u2013 A portfolio adjustment required to\ninclude funding costs on uncollateralized derivatives and derivatives where the\nCorporation is not permitted to use the collateral it receives.\nInterest Rate Lock Commitment (IRLC)\nInterest Rate Lock Commitment (IRLC)\n \n\u2013 Commitment with a loan\napplicant in which the loan terms are guaranteed for a designated period of\ntime subject to credit approval.\nLetter of Credit\nLetter of Credit\n \n\u2013 A document issued on behalf of a customer to a third party\npromising to pay the third party upon presentation of specified documents. A\nletter of credit effectively substitutes the issuer\u2019s credit for that of the customer.\nLoan-to-value (LTV)\nLoan-to-value (LTV)\n \n\u2013 A commonly used credit quality metric. LTV is\ncalculated as the outstanding carrying value of the loan divided by the\nestimated value of the property securing the loan.\nMacro Products \nMacro Products \n\u2013 Include currencies, interest rates and commodities\nproducts.\nMargin Receivable\nMargin Receivable\n \n\u2013\n An extension of credit secured by eligible securities in\ncertain brokerage accounts.\nMatched Book\nMatched Book\n \u2013 Repurchase and resale agreements or securities borrowed\nand loaned transactions where the overall asset and liability position is similar\nin size and/or maturity. Generally, these are entered into to accommodate\ncustomers where the Corporation earns the interest rate spread.\nMortgage Servicing Right (MSR) \nMortgage Servicing Right (MSR) \n\u2013 The right to service a mortgage loan\nwhen the underlying loan is sold or securitized. Servicing includes collections\nfor principal, interest and escrow payments from borrowers and accounting for\nand remitting principal and interest payments to investors.\nNonperforming Loans and Leases\nNonperforming Loans and Leases\n \n\u2013 Includes loans and leases that have\nbeen placed on nonaccrual status, including nonaccruing loans whose\ncontractual terms have been restructured in a manner that grants a\nconcession to a borrower experiencing financial difficulties.\nPrompt Corrective Action (PCA)\nPrompt Corrective Action (PCA)\n \n\u2013 A framework established by the U.S.\nbanking regulators requiring banks to maintain certain levels of regulatory\ncapital ratios, comprised of five categories of capitalization: \u201cwell capitalized,\u201d\n\u201cadequately capitalized,\u201d \u201cundercapitalized,\u201d \u201csignificantly undercapitalized\u201d and\n\u201ccritically undercapitalized.\u201d Insured depository institutions that fail to meet\ncertain of these capital levels are subject to increasingly strict limits on their\nactivities, including their ability to make capital distributions, pay management\ncompensation, grow assets and take other actions.", "85b4d163-daf1-49bc-a2b2-3cd596aead2e": "Nonperforming Loans and Leases\nNonperforming Loans and Leases\n \n\u2013 Includes loans and leases that have\nbeen placed on nonaccrual status, including nonaccruing loans whose\ncontractual terms have been restructured in a manner that grants a\nconcession to a borrower experiencing financial difficulties.\nPrompt Corrective Action (PCA)\nPrompt Corrective Action (PCA)\n \n\u2013 A framework established by the U.S.\nbanking regulators requiring banks to maintain certain levels of regulatory\ncapital ratios, comprised of five categories of capitalization: \u201cwell capitalized,\u201d\n\u201cadequately capitalized,\u201d \u201cundercapitalized,\u201d \u201csignificantly undercapitalized\u201d and\n\u201ccritically undercapitalized.\u201d Insured depository institutions that fail to meet\ncertain of these capital levels are subject to increasingly strict limits on their\nactivities, including their ability to make capital distributions, pay management\ncompensation, grow assets and take other actions.\nSubprime Loans\nSubprime Loans\n \u2013 Although a standard industry definition for subprime loans\n(including subprime mortgage loans) does not exist, the Corporation defines\nsubprime loans as specific product offerings for higher risk borrowers.\nTroubled Debt Restructurings (TDRs)\nTroubled Debt Restructurings (TDRs)\n \n\u2013 Loans whose contractual terms\nhave been restructured in a manner that grants a concession to a borrower\nexperiencing financial difficulties. Certain consumer loans for which a binding\noffer to restructure has been extended are also classified as TDRs.\nValue-at-Risk (VaR)\nValue-at-Risk (VaR)\n \n\u2013 VaR is a model that simulates the value of a portfolio\nunder a range of hypothetical scenarios in order to generate a distribution of\npotential gains and losses. VaR represents the loss the portfolio is expected\nto experience with a given confidence level based on historical data. A VaR\nmodel is an effective tool in estimating ranges of potential gains and losses\non our trading portfolios.\n169\n169\n \nBank of America", "f4be5b25-238c-4eac-863e-738e3572b2b3": "Key Metrics\nKey Metrics\nActive Digital Banking Users \nActive Digital Banking Users \n\u2013\n \n \nMobile and/or online active users over the\npast 90 days.\nActive Mobile Banking Users \nActive Mobile Banking Users \n\u2013 Mobile active users over the past 90 days.\nBook Value \nBook Value \n\u2013 Ending common shareholders\u2019 equity divided by ending\ncommon shares outstanding.\nCommon Equity Ratio - \nCommon Equity Ratio - \nEnding common shareholders\u2019 equity divided by\nending total assets.\nDeposit Spread \nDeposit Spread \n\u2013\n \n \nAnnualized net interest income divided by average\ndeposits.\nDividend Payout Ratio \nDividend Payout Ratio \n\u2013 Common dividends declared divided by net income\napplicable to common shareholders.\nEfficiency Ratio \nEfficiency Ratio \n\u2013 Noninterest expense divided by total revenue, net of\ninterest expense.\nGross Interest Yield\nGross Interest Yield\n \u2013 Effective annual percentage rate divided by average\nloans.\nNet Interest Yield\nNet Interest Yield\n \n\u2013 Net interest income divided by average total interest-\nearning assets.\nOperating Margin\nOperating Margin\n \u2013 Income before income taxes divided by total revenue, net\nof interest expense.\nReturn on Average Allocated Capital \nReturn on Average Allocated Capital \n\u2013\n \n \nAdjusted net income divided by\nallocated capital.\nReturn on Average Assets\nReturn on Average Assets\n \u2013 Net income divided by total average assets.\nReturn on Average Common Shareholders\nReturn on Average Common Shareholders\n\u2019\n Equity\n Equity\n \n\u2013 Net income applicable\nto common shareholders divided by average common shareholders\u2019 equity.\nReturn on Average Shareholders\nReturn on Average Shareholders\n\u2019\n Equity\n Equity\n \n\u2013 Net income divided by average\nshareholders\u2019 equity.\nRisk-adjusted Margi\nRisk-adjusted Margi\nn\n \u2013 Difference between total revenue, net of interest\nexpense, and net credit losses divided by average loans.\nBank of America \n170\n170", "8cdad0a0-6445-43be-8ea5-4896170b330a": "Acronyms\nAcronyms\nABS\nABS\nAsset-backed securities\nAFS\nAFS\nAvailable-for-sale\nAI\nAI\nArtificial intelligence\nALM\nALM\nAsset and liability management\nARR\nARR\nAlternative reference rates\nAUM\nAUM\nAssets under management\nAVM\nAVM\nAutomated valuation model\nBANA\nBANA\nBank of America, National Association\nBHC\nBHC\nBank holding company\nBofAS\nBofAS\nBofA Securities, Inc.\nBofASE\nBofASE\nBofA Securities Europe SA\nbps\nbps\nBasis points\nBSBY\nBSBY\nBloomberg Short-Term Bank Yield Index\nCAE\nCAE\nChief Audit Executive\nCCAR\nCCAR\nComprehensive Capital Analysis and Review\nCCP\nCCP\nCentral counterparty clearinghouses\nCCPA\nCCPA\nCalifornia\u2019s Consumer Privacy Act\nCDO\nCDO\nCollateralized debt obligation\nCECL\nCECL\nCurrent expected credit losses\nCET1\nCET1\nCommon equity tier 1\nCFPB\nCFPB\nConsumer Financial Protection Bureau\nCFTC\nCFTC\nCommodity Futures Trading Commission\nCLO\nCLO\nCollateralized loan obligation\nCLTV\nCLTV\nCombined loan-to-value\nCPRA\nCPRA\nCalifornia Privacy Rights Act\nCRO\nCRO\nChief Risk Officer\nCVA\nCVA\nCredit valuation adjustment\nDIF\nDIF\nDeposit Insurance Fund\nDTA\nDTA\nDeferred tax assets\nDVA\nDVA\nDebit valuation adjustment\nECL\nECL\nExpected credit losses\nEEA\nEEA\nEuropean Economic Area\nEPS\nEPS\nEarnings per common share\nERC\nERC\nEnterprise Risk Committee\nESG\nESG\nEnvironmental, social and governance\nEU\nEU\nEuropean Union\nFDIC\nFDIC\nFederal Deposit Insurance Corporation\nFDICIA\nFDICIA\nFederal Deposit Insurance Corporation Improvement Act of\n1991\nFHA\nFHA\nFederal Housing Administration\nFHLB\nFHLB\nFederal Home Loan Bank\nFHLMC\nFHLMC\nFreddie Mac\nFICC\nFICC\nFixed income, currencies and commodities\nFICO\nFICO\nFair Isaac Corporation (credit score)\nFLUs\nFLUs\nFront line units\nFNMA\nFNMA\nFannie Mae\nFTE\nFTE\nFully taxable-equivalent\nFVA\nFVA\nFunding valuation adjustment\nGAAP\nGAAP\nAccounting principles generally accepted in the United\nStates of America\nGDPR\nGDPR\nGeneral Data Protection Regulation\nGHG\nGHG\nGreenhouse gas\nGLS\nGLS\nGlobal Liquidity Sources\nGNMA\nGNMA\nGovernment National Mortgage Association\nGRM\nGRM\nGlobal Risk Management\nGSE\nGSE\nGovernment-sponsored enterprise\nG-SIB\nG-SIB\nGlobal systemically important bank\nGWIM\nGWIM\nGlobal Wealth & Investment Management\nHELOC\nHELOC\nHome equity line of credit\nHQLA\nHQLA\nHigh Quality Liquid Assets\nHTM\nHTM\nHeld-to-maturity\nICAAP\nICAAP\nInternal Capital Adequacy Assessment Process\nIRLC\nIRLC\nInterest rate lock commitment\nISDA\nISDA\nInternational Swaps and Derivatives Association, Inc.", "f58fb2a4-8de0-4c9a-9c00-eeedb28a9c64": "LCR\nLCR\nLiquidity Coverage Ratio\nLHFS\nLHFS\nLoans held-for-sale\nLIBOR\nLIBOR\nLondon Interbank Offered Rate\nLTV\nLTV\nLoan-to-value\nMBS\nMBS\nMortgage-backed securities\nMD&A\nMD&A\nManagement\u2019s Discussion and Analysis of Financial\nCondition and Results of Operations\nMLI\nMLI\nMerrill Lynch International\nMLPCC\nMLPCC\nMerrill Lynch Professional Clearing Corp\nMLPF&S\nMLPF&S\nMerrill Lynch, Pierce, Fenner & Smith Incorporated\nMRC\nMRC\nManagement Risk Committee\nMSA\nMSA\nMetropolitan Statistical Area\nMSR\nMSR\nMortgage servicing right\nNOL\nNOL\nNet operating loss\nNSFR\nNSFR\nNet Stable Funding Ratio\nOCC\nOCC\nOffice of the Comptroller of the Currency\nOCI\nOCI\nOther comprehensive income\nOECD\nOECD\nOrganization for Economic Cooperation and Development\nOREO\nOREO\nOther real estate owned\nOTC\nOTC\nOver-the-counter\nPCA\nPCA\nPrompt Corrective Action\nPPP\nPPP\nPaycheck Protection Program\nRMBS\nRMBS\nResidential mortgage-backed securities\nRSU\nRSU\nRestricted stock unit\nRWA\nRWA\nRisk-weighted assets\nSBA\nSBA\nSmall Business Administration\nSBLC\nSBLC\nStandby letter of credit\nSCB\nSCB\nStress capital buffer\nSEC\nSEC\nSecurities and Exchange Commission\nSIFI\nSIFI\nSystemically important financial institution\nSLR\nSLR\nSupplementary leverage ratio\nSOFR\nSOFR\nSecured Overnight Financing Rate\nTDR\nTDR\nTroubled debt restructuring\nTLAC\nTLAC\nTotal loss-absorbing capacity\nUDAAP\nUDAAP\nUnfair, deceptive, or abusive acts or practices\nVA\nVA\nU.S. Department of Veterans Affairs\nVaR\nVaR\nValue-at-Risk\nVIE\nVIE\nVariable interest entity\n171\n171\n \nBank of America", "44c1b558-7ee7-47e0-9e6a-f3b97d4fb157": "Item 9. \nChanges in and Disagreements with Accountants on\nAccounting and Financial Disclosure\nNone\nItem 9A. \nItem 9A. \nControls and Procedures\nControls and Procedures\nDisclosure Controls and Procedures\nDisclosure Controls and Procedures\nAs of the end of the period covered by this report and pursuant to Rule 13a-15\nof the Securities Exchange Act of 1934, as amended (Exchange Act), Bank of\nAmerica\u2019s management, including the Chief Executive Officer and Chief\nFinancial Officer, conducted an evaluation of the effectiveness and design of\nour disclosure controls and procedures (as that term is defined in Rule 13a-\n15(e) of the Exchange Act). Based upon that evaluation, Bank of America\u2019s\nChief Executive Officer and Chief Financial Officer concluded that Bank of\nAmerica\u2019s disclosure controls and procedures were effective, as of the end of\nthe period covered by this report.\nReport of Management on Internal Control Over\nReport of Management on Internal Control Over\nFinancial Reporting\nFinancial Reporting\nThe Report of Management on Internal Control Over Financial Reporting is set\nforth on page 87 and incorporated herein by reference. The Report of\nIndependent Registered Public Accounting Firm with respect to the\nCorporation\u2019s internal control over financial reporting is set forth on pages 88\nand 89 and incorporated herein by reference.\nChanges in Internal Control Over Financial Reporting\nChanges in Internal Control Over Financial Reporting\nThere have been no changes in our internal control over financial reporting (as\ndefined in Rule 13a-15(f) of the Exchange Act) during the quarter ended\nDecember 31, 2023, that materially affected, or are reasonably likely to\nmaterially affect, our internal control over financial reporting.\nItem 9B. \nItem 9B. \nOther Information\nOther Information\nTrading Arrangements\nTrading Arrangements\nDuring the fiscal quarter ended December 31, 2023, none of the Corporation\u2019s\ndirectors or officers (as defined in Rule 16a-1(f) of the Securities Exchange Act\nof 1934, as amended) \nadopted\n or \nterminated\n a Rule 10b5-1 trading\narrangement or non-Rule 10b5-1 trading arrangement (in each case, as\ndefined in Item 408 of Regulation S-K) for the purchase or sale of the\nCorporation\u2019s securities.\nDisclosure Pursuant to Section 13(r) of the Securities Exchange\nDisclosure Pursuant to Section 13(r) of the Securities Exchange\nAct of 1934\nAct of 1934\nPursuant to Section 13(r) of the Exchange Act, an issuer is required to disclose\nin its annual or quarterly reports, as applicable, whether it or any of its affiliates\nknowingly engaged in certain activities, transactions or dealings relating to\nIran or with individuals or entities designated pursuant to certain Executive\nOrders. Disclosure may be required even where the activities, transactions or\ndealings were conducted in compliance with applicable law. As previously\ndisclosed in its related quarterly report on Form 10-Q, the Corporation\nidentified and reported certain activities pursuant to Section 13(r) for the\nsecond quarter of 2023. The information provided pursuant to Section 13(r) of\nthe Exchange Act in Item 5 of the quarter ended June 30, 2023 is hereby\nincorporated by reference to such report. Except as set forth below, as of the\ndate of this Annual Report on Form 10-K, the Corporation is not aware of any\nother\nactivity, transaction or dealing by any of its affiliates during the quarter ended\nDecember 31, 2023 that requires disclosure under Section 13(r) of the\nExchange Act.\nDuring the fourth quarter of 2023, Bank of America, National Association\n(BANA), a U.S. subsidiary of Bank of America Corporation, processed seven\nauthorized wire payments totaling $1,063,846 pursuant to a general license\nissued by the U.S. Department of the Treasury\u2019s Office of Foreign Assets\nControl regarding Afghanistan or governing institutions in Afghanistan. These\npayments for BANA clients were processed to Afghan state-owned banks,\nwhich are subject to Executive Order 13224. There was no measurable gross\nrevenue or net profit to the Corporation relating to these transactions, except\nnominal fees received by BANA for processing payments. The Corporation\nmay in the future engage in similar transactions for its clients to the extent\npermitted by U.S. law.\nItem 9C. \nItem 9C. \nDisclosure Regarding Foreign Jurisdictions\nDisclosure Regarding Foreign Jurisdictions\nthat Prevent Inspections\nthat Prevent Inspections\nNot applicable.", "82c936dd-ad82-4641-a0bf-ecaaa569c8c9": "subsidiary of Bank of America Corporation, processed seven\nauthorized wire payments totaling $1,063,846 pursuant to a general license\nissued by the U.S. Department of the Treasury\u2019s Office of Foreign Assets\nControl regarding Afghanistan or governing institutions in Afghanistan. These\npayments for BANA clients were processed to Afghan state-owned banks,\nwhich are subject to Executive Order 13224. There was no measurable gross\nrevenue or net profit to the Corporation relating to these transactions, except\nnominal fees received by BANA for processing payments. The Corporation\nmay in the future engage in similar transactions for its clients to the extent\npermitted by U.S. law.\nItem 9C. \nItem 9C. \nDisclosure Regarding Foreign Jurisdictions\nDisclosure Regarding Foreign Jurisdictions\nthat Prevent Inspections\nthat Prevent Inspections\nNot applicable.\nPart III\nBank of America Corporation and Subsidiaries\nItem 10. \nItem 10. \nDirectors, Executive Officers and Corporate\nDirectors, Executive Officers and Corporate\nGovernance\nGovernance\nInformation about our Executive Officers\nInformation about our Executive Officers\nThe name, age, position and office, and business experience of our current\nexecutive officers are:\nDean C. Athanasia (57)\nDean C. Athanasia (57)\n \nPresident, Regional Banking \nPresident, Regional Banking \nsince October\n2021; President, Retail and Preferred & Small Business Banking from January\n2019 to October 2021\n; \nCo-Head -- Consumer Banking\n \nfrom September 2014\nto January 2019; and Preferred and Small Business Banking Executive from\nApril 2011 to September 2014.\nAditya Bhasin (50)\nAditya Bhasin (50)\n \nChief Technology & Information Officer \nChief Technology & Information Officer \nsince\nOctober 2021; Chief Information Officer and Head of Technology for\nConsumer, Small Business, Wealth Management and Employee Technology\nfrom October 2017 to October 2021; CIO, Retail, Preferred & Wealth\nManagement Technology, and Wealth Management Operations from June\n2015 to October 2017.\nDarrin Steve Boland (55) Chief Administrative Officer\nDarrin Steve Boland (55) Chief Administrative Officer\n \nsince October\n2021\n; \nPresident, Retail from February 2020 to October 2021; Head of\nConsumer Lending from May 2017 to February 2020; Consumer Lending\nExecutive from May 2015 to May 2017.\nAlastair M. Borthwick (55) Chief Financial Officer\nAlastair M. Borthwick (55) Chief Financial Officer\n \nsince November\n2021; President of Global Commercial Banking from October 2012 to October\n2021.\nSheri Bronstein (55) Chief Human Resources Officer \nSheri Bronstein (55) Chief Human Resources Officer \nsince January\n2019; Global Human Resources Executive from July 2015 to January 2019;\nand HR Executive for Global Banking & Markets from March 2010 to July 2015.\nJames P. DeMare (54) President, Global Markets\nJames P. DeMare (54) President, Global Markets\n \nsince September\n2020; Global Co-Head of FICC Trading and Commercial Real Estate Banking\nfrom February 2015 to September 2020.\nPaul M. Donofrio (63) Vice Chair \nPaul M. Donofrio (63) Vice Chair \nsince November 2021; Chief Financial\nOfficer from August 2015 to November 2021; Strategic Finance Executive from\nApril 2015 to August 2015; and Head of Global Corporate Credit and\nTransaction Banking from January 2012 to April 2015.\nBank of America \n172\n172", "a15fe512-ad3a-4e3c-a6d2-f200e69b918a": "Geoffrey S. Greener (59) Chief Risk Officer\nGeoffrey S. Greener (59) Chief Risk Officer\n \nsince April 2014; Head of\nEnterprise Capital Management from April 2011 to April 2014.\nLindsay D. Hans (44) President, Co-Head Merrill Wealth Management\nLindsay D. Hans (44) President, Co-Head Merrill Wealth Management\nsince April 2023; Head of Private Wealth Management, International and\nInstitutional, Merrill Lynch from February 2023 to March 2023; Division\nExecutive, Merrill Lynch from March 2017 to February 2023; Market Executive,\nMerrill Lynch from September 2014 to March 2017.\nKathleen A. Knox (60) President, The Private Bank \nKathleen A. Knox (60) President, The Private Bank \nsince November\n2017; Head of Business Banking from October 2014 to November 2017; and\nRetail Banking & Distribution Executive from June 2011 to October 2014.\nMatthew M. Koder (52) President, Global Corporate & Investment\nMatthew M. Koder (52) President, Global Corporate & Investment\nBanking\nBanking\n \nsince December 2018; President of APAC from March 2012 to\nDecember 2018.\nBernard A. Mensah (55) President, International,\nBernard A. Mensah (55) President, International,\n \nCEO of Merrill Lynch\nInternational (MLI), BANA London Branch Head since August 2020. President\nof UK and Central and Eastern Europe, the Middle East, Africa, CEO of MLI,\nBANA London Branch and Co-Head of Global Fixed Income Currency and\nCommodities (FICC) Trading from September 2019 to August 2020; Co-Head\nof Global FICC Trading from March 2015 to September 2019.\nLauren A. Mogensen (61) Global General Counsel\nLauren A. Mogensen (61) Global General Counsel\n \nsince November\n2021; Head of Global Compliance & Operational Risk, and Reputational Risk\nfrom December 2013 to October 2021.\nBrian T. Moynihan (64) Chair of the Board\nBrian T. Moynihan (64) Chair of the Board\n \nsince October 2014, and\nPresident, Chief Executive Officer, and member of the Board of Directors since\nJanuary 2010.\nThong M. Nguyen (65)\nThong M. Nguyen (65)\n \n \nVice Chair, Head of Global Strategy &\nVice Chair, Head of Global Strategy &\nEnterprise Platforms \nEnterprise Platforms \nsince October 2021;\n \nVice Chairman from January 2019\nto October 2021; Co-Head \n--\n Consumer Banking from September 2014 to\nJanuary 2019; Retail Banking Executive from April 2014 to September 2014;\nand Retail Strategy, and Operations & Digital Banking Executive from\nSeptember 2012 to April 2014.\nEric A. Schimpf (55) President, Co-Head Merrill Wealth Management\nEric A. Schimpf (55) President, Co-Head Merrill Wealth Management\nsince April 2023; Pacific Coast Division Executive, Merrill Lynch from July 2022\nto March 2023; Head of Advisory Division, Merrill Lynch from September 2020\nto July 2022; Southeast Division Executive, Merrill Lynch from April 2017 to\nSeptember 2020; South Atlantic Division Executive, Merrill Lynch from June\n2015 to April 2017; Market Executive, Merrill Lynch from January 2014 to June\n2015.\nThomas M. Scrivener (52)\nThomas M. Scrivener (52)\n \nChief Operations Executive \nChief Operations Executive \nsince October\n2021; Head of Consumer, Small Business & Wealth Management Operations\nfrom October 2019 to October 2021; Global Real Estate and Enterprise\nInitiatives Executive from September 2018 to October 2019; Enterprise\nScenario Planning and Execution Executive from May 2016 to September\n2018; Enterprise Stress Testing, Recovery & Resolution Planning Executive\nfrom June 2014 to March 2016.", "4ea5eb43-c58a-4a61-86c5-a7ed14c1126d": "Thomas M. Scrivener (52)\nThomas M. Scrivener (52)\n \nChief Operations Executive \nChief Operations Executive \nsince October\n2021; Head of Consumer, Small Business & Wealth Management Operations\nfrom October 2019 to October 2021; Global Real Estate and Enterprise\nInitiatives Executive from September 2018 to October 2019; Enterprise\nScenario Planning and Execution Executive from May 2016 to September\n2018; Enterprise Stress Testing, Recovery & Resolution Planning Executive\nfrom June 2014 to March 2016.\nBruce R. Thompson (59) Vice Chair\nBruce R. Thompson (59) Vice Chair\n, \nHead of Enterprise Credit\nHead of Enterprise Credit\n \nsince\nOctober 2021; Vice Chairman, Head of Institutional Credit Exposure\nManagement (from December 2020) and Wholesale Credit Underwriting and\nMonitoring (from May 2021) to October 2021; Vice Chairman, President of the\nEU & Switzerland and CEO of Bank of America Europe DAC from May 2018 to\nDecember 2020; Vice Chairman of Bank of America Corporation from March\n2016 to May 2018; Managing Director from July 2015 to March 2016; Chief\nFinancial Officer from July 2011 to July 2015.\nInformation included under the following captions in the Corporation\u2019s\nproxy statement relating to its 2024 annual meeting of shareholders (the 2024\nProxy Statement) is incorporated herein by reference:\n\u25cf\n \n\u201cProposal 1: Electing directors \u2013 Our director nominees;\u201d\n\u25cf\n \n\u201cCorporate governance \u2013 Additional corporate governance information;\u201d\n\u25cf \n\u201cCorporate governance \u2013 Committees and membership;\u201d\n\u25cf\n \n\u201cCorporate governance \u2013 Board meetings and attendance;\u201d and\n\u25cf \n\u201cDelinquent Section 16(a) Reports.\u201d\nItem 11. \nItem 11. \nExecutive Compensation\nExecutive Compensation\nInformation included under the following captions in the 2024 Proxy Statement\nis incorporated herein by reference:\n\u25cf\n \n\u201cCompensation discussion and analysis;\u201d\n\u25cf\n \n\u201cCompensation and Human Capital Committee Report;\u201d\n\u25cf\n \n\u201cExecutive compensation;\u201d\n\u25cf\n \n\u201cCEO pay ratio;\u201d\n\u25cf\n \n\u201cCorporate governance;\u201d and\n\u25cf\n \n\u201cDirector compensation.\u201d\n173\n173\n \nBank of America", "c802a4dc-66ce-482d-ba79-d5c0f7225d72": "Item 12. \nItem 12. \nSecurity Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters\nSecurity Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters\nInformation included under the following caption in the 2024 Proxy Statement is incorporated herein by reference:\n\u25cf\n \n\u201cStock ownership of directors, executive officers, and certain beneficial owners.\u201d\nThe table below presents information on equity compensation plans at December 31, 2023:\nPlan Category \nPlan Category \n(a) \n(a) \nNumber of Shares to\nNumber of Shares to\nbe Issued Under\nbe Issued Under\nOutstanding Options, Warrants\nOutstanding Options, Warrants\nand Rights \nand Rights \n(b) \n(b) \nWeighted-average Exercise\nWeighted-average Exercise\nPrice of Outstanding Options,\nPrice of Outstanding Options,\nWarrants and Rights \nWarrants and Rights \n(c) \n(c) \nNumber of Shares\nNumber of Shares\nRemaining for Future Issuance\nRemaining for Future Issuance\nUnder Equity Compensation\nUnder Equity Compensation\nPlans (excluding securities\nPlans (excluding securities\nreflected in column (a)) \nreflected in column (a)) \nPlans approved by shareholders\n237,319,169 \n\u2014 \n137,153,480 \nPlans not approved by shareholders\n\u2014 \n\u2014 \n\u2014 \nTotal\nTotal\n237,319,169\n237,319,169\n \n\u2014 \n137,153,480\n137,153,480\n \nThis table does not include 469,974 vested restricted stock units (RSUs) and stock option gain deferrals at December 31, 2023 that were assumed by the Corporation in connection with prior acquisitions under whose plans the awards were originally granted.\nConsists of outstanding RSUs. Includes 3,855,179 vested RSUs subject to a required post-vest holding period.\nRSUs do not have an exercise price and are delivered without any payment or consideration.\nAmount represents shares of common stock available for future issuance under the Bank of America Corporation Equity Plan.\nItem 13. \nItem 13. \nCertain Relationships and Related\nCertain Relationships and Related\nTransactions, and Director Independence\nTransactions, and Director Independence\nInformation included under the following captions in the 2024 Proxy Statement\nis incorporated herein by reference:\n\u25cf\n \n\u201cRelated person and certain other transactions;\u201d and\n\u25cf\n \n\u201cCorporate governance \u2013 Director independence.\u201d\nItem 14.\nItem 14.\n \n \nPrincipal Accounting Fees and Services\nPrincipal Accounting Fees and Services\nInformation included under the following caption in the 2024 Proxy Statement\nis incorporated herein by reference:\n\u25cf\n \u201cProposal 3: Ratifying the appointment of our independent registered public\naccounting firm for 2024.\u201d\n(1)\n(1)\n(2)\n(2)\n(3)\n(3)\n(4)\n(4)\n(1)\n(2)\n(3)\n(4)\nBank of America \n174\n174", "8c283406-a4d0-46f9-b9ba-b2f05e91dd11": "Part IV\nBank of America Corporation and Subsidiaries\nItem 15. \nItem 15. \nExhibits, Financial Statement Schedules\nExhibits, Financial Statement Schedules\n \nThe following documents are filed as part of this report:\n(1) Financial Statements:\nReport of Independent Registered Public Accounting Firm (PCAOB ID \n238\n)\nConsolidated Statement of Income for the years ended December 31, 2023, 2022 and 2021\nConsolidated Statement of Comprehensive Income for the years ended December 31, 2023, 2022 and 2021\nConsolidated Balance Sheet at December 31, 2023 and 2022\nConsolidated Statement of Changes in Shareholders\u2019 Equity for the years ended December 31, 2023, 2022 and 2021\nConsolidated Statement of Cash Flows for the years ended December 31, 2023, 2022 and 2021\nNotes to Consolidated Financial Statements\n(2) Schedules:\nNone\n(3) Index to Exhibits\nWith the exception of the information expressly incorporated herein by reference, the 2024 Proxy Statement shall not be deemed filed as part of this Annual Report\non Form 10-K.\nIncorporated by Reference\nIncorporated by Reference\nExhibit No.\nExhibit No.\nDescription\nDescription\nNotes\nNotes\nForm\nForm\nExhibit\nExhibit\nFiling Date\nFiling Date\nFile No.\nFile No.\n3.1\nRestated Certificate of Incorporation, as amended and in effect on the date hereof\n10-Q\n3.1\n04/29/22\n1-6523\n3.2\nAmended and Restated Bylaws of the Corporation as in effect on the date hereof\n10-K\n3.2\n2/22/23\n1-6523\n4.1\nIndenture dated as of January 1, 1995 (for senior debt securities) between registrant (successor to N\natio\nnsBank\nCorporation) and BankAmerica National Trust Company\nS-3\n4.1\n2/1/95\n33-57533\n4.2\nFirst Supplemental Indenture dated as of September 18, 1998 between registrant and U.S. Bank Trust National\nAssociation (successor to BankAmerica National Trust Company) to the indenture dated as of January 1, 1995\n(See Exhibit 4.1)\n8-K\n4.3\n11/18/98\n1-6523\n4.3\nSecond Supplemental Indenture dated as of May 7, 2001 between registrant, U.S. Bank Trust National\nAssociation, as Prior Trustee, and The Bank of New York, as Successor Trustee to the indenture dated as of\nJanuary 1, 1995 (See Exhibit 4.1)\n8-K\n4.4\n6/14/01\n1-6523\n4.4\nThird Supplemental Indenture dated as of July 28, 2004 between registrant and The Bank of New York to the\nindenture dated as of January 1, 1995 (See Exhibit 4.1)\n8-K\n4.2\n8/27/04\n1-6523\n4.5\nFourth Supplemental Indenture dated as of April 28, 2006 between the registrant and The Bank of New York to\nthe indenture dated as of January 1, 1995 (See Exhibit 4.1)\nS-3\n4.6\n5/5/06\n333-133852\n4.6\nFifth Supplemental Indenture dated as of December 1, 2008 between registrant and The Bank of New York Mellon\nTrust Company, N.A. (successor to The Bank of New York) to the indenture dated as of January 1, 1995 (See\nExhibit 4.1)\n8-K\n4.1\n12/5/08\n1-6523\n4.7\nSixth Supplemental Indenture dated as of February 23, 2011 between registrant and The Bank of New York\nMellon Trust Company, N.A.", "d938b6d4-b7e6-4d60-998f-687bfc775107": "(successor to The Bank of New York) to the indenture dated as of January 1, 1995 (See\nExhibit 4.1)\n8-K\n4.1\n12/5/08\n1-6523\n4.7\nSixth Supplemental Indenture dated as of February 23, 2011 between registrant and The Bank of New York\nMellon Trust Company, N.A. to the indenture dated as of January 1, 1995 (See Exhibit 4.1)\n10-K\n4(ee)\n2/25/11\n1-6523\n4.8\nSeventh Supplemental Indenture dated as of January 13, 2017 between registrant and The Bank of New York\nMellon Trust Company, N.A. to the indenture dated as of January 1, 1995 (See Exhibit 4.1)\n8-K\n4.1\n1/13/17\n1-6523\n4.9\nEighth Supplemental Indenture dated as of February 23, 2017 between registrant and the Bank of New York\nMellon Trust Company, N.A. to the indenture dated as of January 1, 1995 (See Exhibit 4.1)\n10-K\n4(a)\n2/23/17\n1-6523\n4.10\nSuccessor Trustee Agreement effective December 15, 1995 between registrant (successor to NationsBank\nCorporation) and First Trust of New York, National Association, as successor trustee to BankAmerica National\nTrust Company\nS-3\n4.2\n6/28/96\n333-07229\n4.11\nAgreement of Appointment and Acceptance dated as of December 29, 2006 between registrant and The Bank of\nNew York Trust Company, N.A.\n10-K\n4(aaa)\n2/28/07\n1-6523\n4.12\nForm of Senior Registered Note\nS-3\n4.12\n5/1/15\n333-202354\n4.13\nForm of Registered Global Senior Medium-Term Note, Series L\nS-3\n4.13\n5/1/15\n333-202354\n4.14\nForm of Master Registered \nGlobal Senior Medium-Term Note, Series L\nS-3\n4.14\n5/1/15\n333-202354\n4.15\nForm of Registered \nGlobal Senior Medium-Term Note, Series M\n8-K\n4.2\n1/13/17\n1-6523\n4.16\nForm of Master Registered Global Senior Medium-Term Note, Series M\n8-K\n4.3\n1/13/17\n1-6523\n4.17\nIndenture dated as of January 1, 1995 (for subordinated debt securities) between registrant (successor to\nNationsBank Corporation) and The Bank of New York\nS-3\n4.5\n2/1/95\n33-57533\n4.18\nFirst Supplemental Indenture dated as of August 28, 1998 between registrant and The Bank of New York to the\nindenture dated as of January 1, 1995 (See Exhibit 4.17)\n8-K\n4.8\n11/18/98\n1-6523\n175\n175\n \nBank of America", "6d98cc66-e64a-4eb5-b4cf-9f903da103ec": "Incorporated by Reference\nIncorporated by Reference\nExhibit No.\nExhibit No.\nDescription\nDescription\nNotes\nNotes\nForm\nForm\nExhibit\nExhibit\nFiling Date\nFiling Date\nFile No.\nFile No.\n4.19\nSecond Supplemental Indenture dated as of January 25, 2007 between registrant and The Bank of New York\nTrust Company, N.A. (successor to The Bank of New York) to the indenture dated as of January 1, 1995 (See\nExhibit 4.17)\nS-4\n4.3\n3/16/07\n333-141361\n4.20\nThird Supplemental Indenture dated as of February 23, 2011 between registrant and The Bank of New York Mellon\nTrust Company, N.A. (formerly The Bank of New York Trust Company, N.A.) to the indenture dated as of\nJanuary 1, 1995 (See Exhibit 4.17)\n10-K\n4(ff)\n2/25/11\n1-6523\n4.21\nFourth Supplemental Indenture dated as of February 23, 2017 between registrant and The Bank of New York\nMellon Trust Company, N.A. to the indenture dated as of January 1, 1995 (See Exhibit 4.17)\n10-K\n4(i)\n2/23/17\n1-6523\n4.22\nIndenture dated as of June 27, 2018 (for senior debt securities) \nbetween the registrant and The Bank of New York\nMellon Trust Company, N.A.\nS-3\n4.3\n6/27/18\n333-224523\n4.23\nForm of Registered Global Senior Medium-Term Note, Series N\n (prior to August 2021)\nS-3\n4.4\n6/27/18\n333-224523\n4.24\nForm of Master Registered Global Senior Medium-Term Note, Series N\n (prior to August 2021)\nS-3\n4.5\n6/27/18\n333-224523\n4.25\nForm of Registered Global Senior Medium-Term Note, Series N\n (from August 2021)\nS-3\n4.4\n8/2/21\n333-257399\n4.26\nForm of Master Registered Global Senior Medium-Term Note, Series N\n (from August 2021)\nS-3\n4.5\n8/2/21\n333-257399\n4.27\nIndenture dated as of June 27, 2018 (for subordinated debt securities) between the registrant and The Bank of\nNew York Mellon Trust Company, N.A.\nS-3\n4.6\n6/27/18\n333-224523\n4.28\nForm of Registered \nGlobal Subordinated Medium-Term Note, Series N\n \n(prior to August 2021)\nS-3\n4.7\n6/27/18\n333-224523\n4.29\nForm of Registered Global Subordinated Medium-Term Note, Series N\n \n(from August 2021)\nS-3\n4.7\n8/2/21\n333-257399\nRegistrant and its subsidiaries have other long-term debt agreements, but these are omitted pursuant to Item\n601(b)(4)(iii) of Regulation S-K. Copies of these agreements will be furnished to the Commission on request\n4.30\nDescription of the Corporation's Securities\n1\n10.1\nBank of America Pension Restoration Plan, as amended and restated effective January 1, 2009 (Pension\nRestoration Plan)\n2\n10-K\n10(c)\n2/27/09\n1-6523\n10.2\nFirst Amendment to the Pension Restoration Plan dated December 18, 2009\n2\n10-K\n10(c)\n2/26/10\n1-6523\n10.3\nSecond Amendment to the Pension Restoration Plan dated June 29, 2012\n2\n10-K\n10(a)\n2/28/13\n1-6523\n10.4\nThird Amendment to the Pension Restoration Plan dated March 26, 2013\n2\n10-K\n10.4\n2/19/20\n1-6523\n10.5\nFourth Amendment to the Pension Restoration Plan dated August 22, 2013\n2\n10-K\n10.5\n2/19/20\n1-6523\n10.6\nFifth Amendment to the Pension Restoration Plan dated December 5,", "de0a75e1-9902-4878-9fdb-d2c076638824": "2\nFirst Amendment to the Pension Restoration Plan dated December 18, 2009\n2\n10-K\n10(c)\n2/26/10\n1-6523\n10.3\nSecond Amendment to the Pension Restoration Plan dated June 29, 2012\n2\n10-K\n10(a)\n2/28/13\n1-6523\n10.4\nThird Amendment to the Pension Restoration Plan dated March 26, 2013\n2\n10-K\n10.4\n2/19/20\n1-6523\n10.5\nFourth Amendment to the Pension Restoration Plan dated August 22, 2013\n2\n10-K\n10.5\n2/19/20\n1-6523\n10.6\nFifth Amendment to the Pension Restoration Plan dated December 5, 2014\n2\n10-K\n10.6\n2/19/20\n1-6523\n10.7\nSixth Amendment to the Pension Restoration Plan dated December 15, 2016\n2\n10-K\n10.7\n2/19/20\n1-6523\n10.8\nBank of America Deferred Compensation Plan (formerly known as the Bank of America 401(k) Restoration Plan)\nas amended and restated effective January 1, 2015\n2\n10-K\n10(c)\n2/25/15\n1-6523\n10.9\nFirst Amendment to the Bank of America Deferred Compensation Plan (formerly known as the Bank of America\n401(k) Restoration Plan), as amended and restated effective January 1, 2015\n2\n10-K\n10(vv)\n2/24/16\n1-6523\n10.10\nSecond Amendment to the Bank of America Deferred Compensation Plan (formerly known as the Bank of\nAmerica 401(k) Restoration Plan), as amended and restated effective January 1, 2015\n2\nS-8\n4(c)\n11/19/19\n333-234780\n10.11\nThird Amendment to the Bank of America Deferred Compensation Plan (formerly known as the Bank of America\n401(k) Restoration Plan), as amended and restated effective January 1, 2015\n2\n10-K\n10.14\n2/19/20\n1-6523\n10.12\nFourth Amendment to the Bank of America Deferred Compensation Plan (formerly known as the Bank of America\n401(k) Restoration Plan), as amended and restated effective January 1, 2015\n2\n10-K\n10.15\n2/24/21\n1-6523\n10.13\nBank of America Executive Incentive Compensation Plan, as amended and restated effective December 10,\n2002\n2\n10-K\n10(g)\n3/3/03\n1-6523\n10.14\nAmendment to Bank of America Executive Incentive Compensation Plan, dated January 23, 2013\n2\n10-K\n10(d)\n2/28/13\n1-6523\n10.15\nBank of America Director Deferral Plan, as amended and restated effective January 1, 2005\n2\n10-K\n10(g)\n2/28/07\n1-6523\n10.16\nBank of America Director Deferral Plan, as amended and restated effective January 1, 2019\n2\n10-K\n10(f)\n2/26/19\n1-6523\n10.17\nBank of America Corporation Key Employee Equity Plan (formerly known as the Key Associate Stock Plan), as\namended and restated effective May 6, 2015 (2015 KEEP)\n2\n8-K\n10.2\n5/7/15\n1-6523\n10.18\nFirst Amendment to the 2015 KEEP dated December 19, 2018\n2\n10-K\n10(mm)\n2/26/19\n1-6523\n10.19\nSecond Amendment to the 2015 KEEP dated April 24, 2019\n2\n8-K\n10.1\n4/24/19\n1-6523\n10.20\nBank of America Corporation Equity Plan (formerly known as the Key Employee Equity Plan), as amended and\nrestated effective April 20, 2021 (2021 BACEP)\n2\n8-K\n10.1\n4/22/21\n1-6523\n10.21\nBank of America Corporation Equity Plan (formerly known as the Key Employee Equity Plan), as amended and\nrestated effective April 25, 2023\n2\n8-K\n10.", "49ec2966-4d8c-4d7c-a212-749232f82ca2": "2\n5/7/15\n1-6523\n10.18\nFirst Amendment to the 2015 KEEP dated December 19, 2018\n2\n10-K\n10(mm)\n2/26/19\n1-6523\n10.19\nSecond Amendment to the 2015 KEEP dated April 24, 2019\n2\n8-K\n10.1\n4/24/19\n1-6523\n10.20\nBank of America Corporation Equity Plan (formerly known as the Key Employee Equity Plan), as amended and\nrestated effective April 20, 2021 (2021 BACEP)\n2\n8-K\n10.1\n4/22/21\n1-6523\n10.21\nBank of America Corporation Equity Plan (formerly known as the Key Employee Equity Plan), as amended and\nrestated effective April 25, 2023\n2\n8-K\n10.1\n4/28/23\n1-6523\n10.22\nForm of Restricted Stock Award Agreement for Non-Employee Directors under the 2015 KEEP and the 2021\nBACEP\n2\n10-K\n10(h)\n2/26/19\n1-6523\nBank of America \n176\n176", "1ef4f445-80f4-4599-9505-1a18bb61a28f": "Incorporated by Reference\nIncorporated by Reference\nExhibit No.\nExhibit No.\nDescription\nDescription\nNotes\nNotes\nForm\nForm\nExhibit\nExhibit\nFiling Date\nFiling Date\nFile No.\nFile No.\n10.23\nForm of Time-based Restricted Stock Units Award Agreement (February 2021) under the 2015 KEEP\n2\n10-Q\n10.1\n4/29/21\n1-6523\n10.24\nForm of Performance Restricted Stock Units Award Agreement (February 2021) under the 2015 KEEP\n2\n10-Q\n10.2\n4/29/21\n1-6523\n10.25\nForm of Cash-settled Restricted Stock Units Award Agreement under the 2021 BACEP\n2\n10-K\n10.32\n2/22/22\n1-6523\n10.26\nForm of Time-Based Restricted Stock Units Award Agreement under the 2021 BACEP\n 2\n10-K\n10.33\n2/22/22\n1-6523\n10.27\nForm of Performance-Based Restricted Stock Units Award Agreement under the 2021 BACEP\n2\n10-K\n10.34\n2/22/22\n1-6523\n10.28\nForm of Phantom Restricted Stock Units Award Agreement\n2\n10-K\n10.35\n2/22/22\n1-6523\n10.29\nAmendment to various plans in connection with FleetBoston Financial Corporation merger dated October 27, 2003\n2\n10-K\n10(v)\n3/1/04\n1-6523\n10.30\nFleetBoston Supplemental Executive Retirement Plan effective December 31, 2004\n2\n10-K\n10(r)\n3/1/05\n1-6523\n10.31\nFleetBoston Executive Deferred Compensation Plan No. 2 effective December 16, 2003\n2\n10-K\n10(u)\n3/1/05\n1-6523\n10.32\nFleetBoston Executive Supplemental Plan effective December 31, 2004\n2\n10-K\n10(v)\n3/1/05\n1-6523\n10.33\nRetirement Income Assurance Plan for Legacy Fleet, as amended and restated effective January 1, 2009\n2\n10-K\n10(p)\n2/26/10\n1-6523\n10.34\nFirst Amendment to the Retirement Income Assurance Plan for Legacy Fleet, as amended and restated effective\nJanuary 1, 2009\n2\n10-K\n10(I)\n2/28/13\n1-6523\n10.35\nOfficer's Certificate of Global Compensation, Benefits and Shared Services Executive Regarding Wanger\nDivestiture\n2\n10-K\n10(c)\n2/25/11\n1-6523\n10.36\nFleetBoston Directors Deferred Compensation and Stock Unit Plan effective January 1, 2004\n2\n10-K\n10(aa)\n3/1/05\n1-6523\n10.37\nBankBoston Corporation and its Subsidiaries Deferred Compensation Plan dated December 24, 2001\n2\n10-K\n10(cc)\n3/1/05\n1-6523\n10.38\nBankBoston Director Stock Award Plan effective July 1, 1998\n2\n10-K\n10(hh)\n3/1/05\n1-6523\n10.39\nBankBoston Corporation Directors\u2019 Deferred Compensation Plan effective March 1, 1988\n2\n10-K\n10(ii)\n3/1/05\n1-6523\n10.40\nBankBoston, N.A.", "d1c11228-d321-41bf-911b-5359951923a3": "Directors\u2019 Deferred Compensation Plan effective March 1, 1988\n2\n10-K\n10(jj)\n3/1/05\n1-6523\n10.41\nDescription of BankBoston Director Retirement Benefits Exchange Program\n2\n10-K\n10(ll)\n3/1/05\n1-6523\n10.42\nGlobal amendment to definition of \u201cchange in control\u201d or \u201cchange of control,\u201d together with a list of plans affected\nby such amendment\n2\n10-K\n10(oo)\n3/1/05\n1-6523\n10.43\nEmployment Agreement dated October 27, 2003 between registrant and Brian T. Moynihan\n2\nS-4\n10(d)\n12/4/03\n333-110924\n10.44\nCancellation Agreement dated October 26, 2005 between registrant and Brian T. Moynihan\n2\n8-K\n10.1\n10/26/05\n1-6523\n10.45\nAgreement Regarding Participation in the Fleet Boston Supplemental Executive Retirement Plan dated October 26,\n2005 between registrant and Brian T. Moynihan\n2\n8-K\n10.2\n10/26/05\n1-6523\n10.46\nSecurities Purchase Agreement dated August 25, 2011 between registrant and Berkshire Hathaway Inc. (including\nforms of the certificate of Designations, Warrant and Registration Rights Agreement)\n8-K\n1.1\n8/25/11\n1-6523\n10.47\nAmended and Restated Aircraft Time Sharing Agreement (Multiple Aircraft) dated June 26, 2018 between Bank of\nAmerica, N.A. and Brian T. Moynihan\n2\n10-Q\n10\n7/30/18\n1-6523\n10.48\nForm of Aircraft Time Sharing Agreement (Multiple Aircraft) between Bank of America, N.A. and certain executive\nofficers of the Corporation, including certain Named Executive Officers\n2\n10-Q\n10(b)\n7/29/19\n1-6523\n10.49\nAmended Exhibit B to the Form of Aircraft Time Sharing Agreement (Multiple Aircraft) between Bank of America,\nN.A. and certain executive officers of the Corporation, including certain Named Executive Officers\n2\n10-Q\n10.1\n10/28/22\n1-6523\n10.50\nESA Retention Agreement dated March 15, 2004 between the Corporation and Dean C. Athanasia\n2\n10-Q\n10(c)\n4/26/19\n1-6523\n10.51\nLetter Agreement dated November 9, 2021 between the Corporation and James P. DeMare\n2, 3\n10-Q\n10.1\n4/29/22\n1-6523\n10.52\nEmployment Offer Letter dated March 4, 2019 between the Corporation and Matthew M. Koder\n2, 3\n10-Q\n10.2\n4/29/22\n1-6523\n10.53\nLetter of Understanding dated March 4, 2019 between the Corporation and Matthew M. Koder\n2, 3\n10-Q\n10.3\n4/29/22\n1-6523\n10.54\nAppointment Letter dated December 1, 2022 between Bank of America Europe Designated Activity Company and\nPaul M. Donofrio with respect to board service as Chair and Non-Executive Director\n2, 3\n10-K\n10.62\n2/22/23\n1-6523\n21\nDirect and Indirect Subsidiaries of Bank of America Corporation As of December 31, 2023\n1\n22\nSubsidiary Issuers of Guaranteed Securities\n10-K\n22\n2/22/23\n1-6523\n23\nConsent of PricewaterhouseCoopers LLP\n1\n177\n177\n \nBank of America", "2924b92e-e0cc-4578-ac93-398f28d32f1a": "Incorporated by Reference\nIncorporated by Reference\nExhibit No.\nExhibit No.\nDescription\nDescription\nNotes\nNotes\nForm\nForm\nExhibit\nExhibit\nFiling Date\nFiling Date\nFile No.\nFile No.\n24\nPower of Attorney\n1\n31.1\nCertification of the Chief Executive Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002\n1\n31.2\nCertification of the Chief Financial Officer pursuant to Section 302 of the Sarbanes-Oxley Act of 2002\n1\n32.1\nCertification of the Chief Executive Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to\nSection 906 of the Sarbanes-Oxley Act of 2002\n4\n32.2\nCertification of the Chief Financial Officer pursuant to 18 U.S.C. Section 1350, as adopted pursuant to\nSection 906 of the Sarbanes-Oxley Act of 2002\n4\n97.1\nIncentive Compensation Recoupment Policy\n1\n99.1\nBank of America Corporation Corporate Policy Regarding Seeking Stockholder Approval of Future Severance\nAgreements\n10-K\n99.1\n2/22/23\n1-6523\n101.INS\nInline XBRL Instance Document\n5\n101.SCH\nInline XBRL Taxonomy Extension Schema Document\n1\n101.CAL\nInline XBRL Taxonomy Extension Calculation Linkbase Document\n1\n101.LAB\nInline XBRL Taxonomy Extension Label Linkbase Document\n1\n101.PRE\nInline XBRL Taxonomy Extension Presentation Linkbase Document\n1\n101.DEF\nInline XBRL Taxonomy Extension Definitions Linkbase Document\n1\n104\nCover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101)\nFiled Herewith.\nExhibit is a management contract or compensatory plan or arrangement.\nAs permitted by Regulation S-K, Item 601(b)(10)(iv) of the Securities Exchange Act of 1934, as amended, certain portions of this exhibit have been redacted from the publicly filed document.\nFurnished herewith. This exhibit shall not be deemed \u201cfiled\u201d for purposes of Section 18 of the Securities Exchange Act of 1934, or otherwise subject to the liability of that Section. Such exhibit shall not be deemed incorporated into any filing under the Securities Act\nof 1933 or the Securities Exchange Act of 1934.\nThe instance document does not appear in the interactive data file because its XBRL tags are embedded within the inline XBRL document.\nItem 16. \nItem 16. \nForm 10-K Summary\nForm 10-K Summary\nNot applicable.\n(1)\n(2)\n(3)\n(4)\n(5)\nBank of America \n178\n178", "a9c3d19d-2aac-44c5-be33-890e36ed0579": "Signatures\nPursuant to the requirements of Section 13 of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the\nundersigned, thereunto duly authorized.\nDate: February 20, 2024\nBank of America Corporation\nBank of America Corporation\nBy: \n/s/ Brian T\n.\n Moynihan\nBrian T\n.\n Moynihan\nChief Executive Officer\nPursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant\nand in the capacities and on the dates indicated.\nSignature\nSignature\nTitle\nTitle\nDate\nDate\n/s/ Brian T\n.\n Moynihan\nChief Executive Officer, President, Chair and Director\n(Principal Executive Officer)\nFebruary 20, 2024\nBrian T\n.\n Moynihan\n \n \n \n*/s/ Alastair M. Borthwick\nChief Financial Officer\n(Principal Financial Officer)\nFebruary 20, 2024\nAlastair M. Borthwick\n \n \n \n*/s/ Rudolf A. Bless\nChief Accounting Officer\n(Principal Accounting Officer)\nFebruary 20, 2024\nRudolf A. Bless\n \n \n \n*/s/ Sharon L. Allen\nDirector\nFebruary 20, 2024\nSharon L. Allen\n*/s/ Jos\u00e9 E. Almeida\nDirector\nFebruary 20, 2024\nJos\u00e9 E. Almeida\n \n \n \n*/s/ Pierre J.P. de Weck\nDirector\nFebruary 20, 2024\nPierre J.P. de Weck\n \n \n \n*/s/ Arnold W. Donald\nDirector\nFebruary 20, 2024\nArnold W. Donald\n*/s/ Linda P\n.\n Hudson\nDirector\nFebruary 20, 2024\nLinda P\n.\n Hudson\n*/s/ Monica C. Lozano\nDirector\nFebruary 20, 2024\nMonica C. Lozano\n*/s/ Lionel L. Nowell III\nDirector\nFebruary 20, 2024\nLionel L. Nowell III\n*/s/ Denise L. Ramos\nDirector\nFebruary 20, 2024\nDenise L. Ramos\n*/s/ Clayton S. Rose\nDirector\nFebruary 20, 2024\nClayton S. Rose\n179\n179\n \nBank of America", "2f4117b9-761e-4cd8-b8f8-91f2f77d90b9": "Signature\nSignature\nTitle\nTitle\nDate\nDate\n*/s/ Michael D. White\nDirector\nFebruary 20, 2024\nMichael D. White\n*/s/ Thomas D. Woods\nDirector\nFebruary 20, 2024\nThomas D. Woods\n*/s/ Maria T\n.\n Zuber\nDirector\nFebruary 20, 2024\nMaria T\n.\n Zuber\n*By\n/s/ Ross E. Jeffries, Jr.\n \n \nRoss E. Jeffries, Jr.\nAttorney-in-Fact\nBank of America \n180\n180", "2fb841db-24c4-45fe-8e29-68bab0725d5f": "Table of Contents\nUNITED STATES\nSECURITIES AND EXCHANGE COMMISSION\nWASHINGTON, D.C. 20549\n___________________________________ \nFORM \n10-K\n___________________________________\n(Mark One)\n \nANNUAL REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934\nFor the fiscal year ended \nMarch 31\n, 2024\n \nTRANSITION REPORT PURSUANT TO SECTION 13 OR 15(D) OF THE SECURITIES EXCHANGE ACT OF 1934\nFor the transition period from to \nCommission File No. \n001-34972\n ___________________________________\nBooz Allen Hamilton Holding Corporation\n(Exact name of registrant as specified in its charter)\n ___________________________________\nDelaware\n \n26-2634160\n(State or other jurisdiction of\nincorporation or organization)\n \n(I.R.S. Employer\nIdentification No.)\n8283 Greensboro Drive,\n \nMcLean,\nVirginia\n \n22102\n(Address of principal executive offices)\n \n(Zip Code)\n(\n703\n) \n902-5000\nRegistrant\u2019s telephone number, including area code\nSecurities registered pursuant to Section 12(b) of the Act:\nTitle of Each Class\nTrading Symbol\nName of Each Exchange on Which Registered\nClass A Common Stock\nBAH\nNew York Stock Exchange\nSecurities registered pursuant to Section 12(g) of the Act:\nNone.\n__________________\nIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. \nYes\n \n No \nIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes \n \nNo\n \nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or\nfor such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. \nYes\n \n \nNo \nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (\u00a7232.405 of this\nchapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). \nYes\n \n \nNo \nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See\ndefinition of \u201clarge accelerated filer\u201d, \u201caccelerated filer\u201d, \u201csmaller reporting company\u201d and \u201cemerging growth company\u201d in Rule 12b-2 of the Exchange Act.\nLarge Accelerated Filer\n \n \nAccelerated filer\n \nNon-accelerated filer\n \n \nSmaller reporting company\n \nEmerging growth company\nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting\nstandards provided pursuant to Section 13(a) of the Exchange Act. \nIndicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under\nSection 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.", "4f6e8095-0ef8-443e-b1dc-c30130778908": "Table of Contents\nIf securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an\nerror to previously issued financial statements. \nYes \n No \nIndicate by check mark whether any of those error corrections are restatements that required a recovery analysis of incentive-based compensation received by any of the registrant\u2019s\nexecutive officers during the relevant recovery period pursuant to \u00a7240.10D-1(b). \nYes \n No \nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes \n No \nAs of September 30, 2023, the last business day of the registrant's most recently completed second quarter, the aggregate market value of the registrant's voting and non-voting common\nstock held by non-affiliates was $\n14,260,987,781\n.\nIndicate the number of shares outstanding of each of the issuer\u2019s classes of common stock, as of the latest practicable date\n.\n \nShares Outstanding\nas of May 20, 2024\nClass A Common Stock\n129,320,488\n \nDOCUMENTS INCORPORATED BY REFERENCE\nPortions of the registrant\u2019s Proxy Statement for its Annual Meeting of Stockholders scheduled for \nJuly 24, 2024 ar\ne incorporated by reference into Part III.", "36d80723-bf69-4632-b005-373083522c3d": "Table of Contents\nTABLE OF CONTENTS\n \nINTRODUCTORY NOTE\n1\nPART I\n3\nItem 1.\nBusiness\n3\nItem 1A.\nRisk Factors\n15\nItem 1B.\nUnresolved Staff Comments\n43\nItem 1C.\nCybersecurity\n43\nItem 2.\nProperties\n45\nItem 3.\nLegal Proceedings\n45\nItem 4.\nMine Safety Disclosures\n46\nInformation on Our Executive Officers\n46\nPART II\n48\nItem 5.\nMarket for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities\n48\nItem 6.\nReserved\n49\nItem 7.\nManagement's Discussion and Analysis of Financial Condition and Results of Operations\n50\nItem 7A.\nQuantitative and Qualitative Disclosures About Market Risk\n71\nItem 8.\nFinancial Statements and Supplementary Data\nF-\n1\nItem 9.\nChanges in and Disagreements With Accountants on Accounting and Financial Disclosure\n72\nItem 9A.\nControls and Procedures\n72\nItem 9B.\nOther Information\n74\nItem 9C.\nDisclosure Regarding Foreign Jurisdictions that Prevent Inspections\n74\nPART III\n74\nItem 10.\nDirectors, Executive Officers and Corporate Governance\n74\nItem 11.\nExecutive Compensation\n75\nItem 12.\nSecurity Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters\n75\nItem 13.\nCertain Relationships and Related Transactions, and Director Independence\n75\nItem 14.\nPrincipal Accounting Fees and Services\n75\nItem 15.\nExhibits, Financial Statement Schedules\n75\nItem 16.\nForm 10-K Summary\n81", "adee7c5a-f29b-482a-aa49-4bd6d522bdbe": "Table of Contents\nINTRODUCTORY NOTE\nUnless the context otherwise indicates or requires, as used in this Annual Report on Form 10-K for the fiscal year ended March 31, 2024, references to:\n(i) \u201cwe,\u201d \u201cus,\u201d \u201cour,\u201d or our \u201ccompany\u201d refer to Booz Allen Hamilton Holding Corporation, its consolidated subsidiaries and predecessors; (ii) \u201cBooz Allen\nHolding\u201d refers to Booz Allen Hamilton Holding Corporation, exclusive of its subsidiaries; (iii) \u201cBooz Allen Investor\u201d refers to Booz Allen Hamilton Investor\nCorporation, a wholly-owned subsidiary of Booz Allen Holding; (iv) \u201cBooz Allen Hamilton\u201d and \u201cBooz Allen\u201d refer to Booz Allen Hamilton Inc., our primary\noperating company and a wholly-owned subsidiary of Booz Allen Holding; and (v) \u201cfiscal,\u201d when used in reference to any twelve-month period ended March 31,\nrefers to our fiscal years ended March 31. Unless otherwise indicated, information contained in this Annual Report is as of March 31, 2024. We have made rounding\nadjustments to reach some of the figures included in this Annual Report and, unless otherwise indicated, percentages presented in this Annual Report are\napproximate.\nCautionary Note Regarding Forward-Looking Statements\nCertain statements contained or incorporated in this Annual Report include forward-looking statements. In some cases, you can identify forward-looking\nstatements by terminology such as \u201cmay,\u201d \u201cwill,\u201d \u201ccould,\u201d \u201cshould,\u201d \u201cforecasts,\u201d \u201cexpects,\u201d \u201cintends,\u201d \u201cplans,\u201d \u201canticipates,\u201d \u201cprojects,\u201d \u201coutlook,\u201d \u201cbelieves,\u201d\n\u201cestimates,\u201d \u201cpredicts,\u201d \u201cpotential,\u201d \u201ccontinue,\u201d \u201cpreliminary,\u201d or the negative of these terms or other comparable terminology. Although we believe that the expectations\nreflected in the forward-looking statements are reasonable, we can give you no assurance these expectations will prove to have been correct. These forward-looking\nstatements relate to future events or our future financial performance and involve known and unknown risks, uncertainties and other factors that may cause our actual\nresults, levels of activity, performance, or achievements to differ materially from any future results, levels of activity, performance, or achievements expressed or implied\nby these forward-looking statements. These risks and other factors include:\n\u2022\nany issue that compromises our relationships with the U.S. government or damages our professional reputation, including negative publicity concerning\ngovernment contractors in general or us in particular;\n\u2022\nchanges in U.S. government spending, including a continuation of efforts by the U.S. government to decrease spending for management support service\ncontracts, and mission priorities that shift expenditures away from agencies or programs that we support, or as a result of U.S. administration transitions;\n\u2022\nefforts by Congress and other U.S. government bodies to reduce U.S. government spending and address budgetary constraints and the U.S. deficit, as well as\nassociated uncertainty around the timing, extent, nature, and effect of such efforts;\n\u2022\ndelayed long-term funding of our contracts, including uncertainty relating to funding the U.S. government and increasing the debt ceiling;\n\u2022\nU.S. government shutdowns as a result of the failure by elected officials to fund the government;\n\u2022\nfailure to comply with numerous laws and regulations, including, but not limited to, the Federal Acquisition Regulation (\u201cFAR\u201d), the False Claims Act, the\nDefense Federal Acquisition Regulation Supplement (\u201cDFARS\u201d), and FAR Cost Accounting Standards and Cost Principles;\n\u2022\nthe effects of disease outbreaks, pandemics, or widespread health epidemics, including disruptions to our workforce and the impact on government spending and\ndemand for our solutions;\n\u2022\nour ability to compete effectively in the competitive bidding process and delays or losses of contract awards caused by competitors\u2019 protests of major contract\nawards received by us;\n\u2022\nvariable purchasing patterns under U.S.", "61a26a9b-49ce-4902-be03-0bb04c570d54": "government and increasing the debt ceiling;\n\u2022\nU.S. government shutdowns as a result of the failure by elected officials to fund the government;\n\u2022\nfailure to comply with numerous laws and regulations, including, but not limited to, the Federal Acquisition Regulation (\u201cFAR\u201d), the False Claims Act, the\nDefense Federal Acquisition Regulation Supplement (\u201cDFARS\u201d), and FAR Cost Accounting Standards and Cost Principles;\n\u2022\nthe effects of disease outbreaks, pandemics, or widespread health epidemics, including disruptions to our workforce and the impact on government spending and\ndemand for our solutions;\n\u2022\nour ability to compete effectively in the competitive bidding process and delays or losses of contract awards caused by competitors\u2019 protests of major contract\nawards received by us;\n\u2022\nvariable purchasing patterns under U.S. government General Services Administration Multiple Award schedule contracts, or General Services Administration\n(\u201cGSA\u201d) schedules, blanket purchase agreements, and indefinite delivery/indefinite quantity (\u201cIDIQ\u201d) contracts;\n\u2022\nthe loss of GSA schedules or our position as prime contractor on government-wide acquisition contract vehicles (\u201cGWACs\u201d);\n\u2022\nchanges in the mix of our contracts and our ability to accurately estimate or otherwise recover expenses, time, and resources for our contracts;\n\u2022\nchanges in estimates used in recognizing revenue;\n\u2022\nour ability to realize the full value of and replenish our backlog, generate revenue under certain of our contracts, and the timing of our receipt of revenue under\ncontracts included in backlog;\n\u2022\ninternal system or service failures and security breaches, including, but not limited to, those resulting from external or internal threats, including cyber attacks on\nour network and internal systems;\n\u2022\nrisks related to the operations of financial management systems;\n\u2022\nan inab\nility to attract, train, or retain employees with the requisite skills and experience;\n1", "e64c6f5b-b2fe-45ec-88dd-9dbd5376e4e2": "Table of Contents\n\u2022\nan inability to timely hire, assimilate, and effectively utilize our employees, ensure that employees obtain and maintain necessary security clearances, and/or\neffectively manage our cost structure;\n\u2022\nrisks related to inflation that could impact the cost of doing business and/or reduce customer buying power;\n\u2022\nthe loss of members of senior management or failure to develop new leaders;\n\u2022\nmisconduct or other improper activities from our employees, subcontractors, or suppliers, including the improper access, use o\nr release of our or our clients\u2019\nsensitive or classified information;\n\u2022\nincreased competition from other companies in our industry;\n\u2022\nfailure to maintain strong relationships with other contractors, or the failure of contractors with which we have entered into a sub- or prime-contractor relationship\nto meet their obligations to us or our clients;\n\u2022\ninherent uncertainties and potential adverse developments in legal or regulatory proceedings, including litigation, audits, reviews, and investigations, which may\nresult in materially adverse judgments, settlements, withheld payments, penalties, or other unfavorable outcomes including debarment, as well as disputes over\nthe availability of insurance or indemnification;\n\u2022\nfailure to comply with special U.S. government laws and regulations relating to our international operations;\n\u2022\nrisks associated with increased competition, new relationships, clients, capabilities, and service offerings in our U.S. and international businesses;\n\u2022\nrisks related to changes to our operating structure, capabilities, or strategy intended to address client needs, grow our business, or respond to market\ndevelopments;\n\u2022\nthe adoption by the U.S. government of new laws, rules, and regulations, such as those relating to organizational conflicts of interest issues or limits;\n\u2022\nrisks related to a possible recession and volatility or instability of the global financial system, including the failures of financial institutions and the resulting\nimpact on counterparties and business conditions generally;\n\u2022\nrisks related to a deterioration of economic conditions or weakening in credit or capital markets;\n\u2022\nrisks related to pending, completed, and future acquisitions and dispositions, including the ability to satisfy specified closing conditions for pending\ntransactions, such as those related to receipt of regulatory approval or lack of regulatory intervention, and to realize the expected benefits from completed\nacquisitions and dispositions;\n\u2022\nthe incurrence of additional tax liabilities, including as a result of changes in tax laws or management judgments involving complex tax matters;\n\u2022\nrisks inherent in the government contracting environment;\n\u2022\ncontinued efforts to change how the U.S. government reimburses compensation related costs and other expenses or otherwise limits such reimbursements, and an\nincreased risk of compensation being deemed unreasonable and unallowable or payments being withheld as a result of U.S. government audit, review, or\ninvestigation;\n\u2022\nincreased insourcing by various U.S. government agencies due to changes in the definition of \u201cinherently governmental\u201d work, including proposals to limit\ncontractor access to sensitive or classified information and work assignments;\n\u2022\nthe size of our addressable markets and the amount of U.S. government spending on private contractors;\n\u2022\nrisks related to our indebtedness and credit facilities which contain financial and operating covenants;\n\u2022\nthe im\npact of changes in accounting rules and regulations, or interpretations thereof, that may affect the way we recognize and report our financial results,\nincluding changes in accounting rules governing recognition of revenue;\n\u2022\nthe impact of ESG-related risks and climate change generally on our and our clients' businesses and operations; and\n\u2022\nother risks and factors listed under \u201cItem 1A. Risk Factors\u201d and elsewhere in this Annual Report.\nIn light of these risks, uncertainties, and other factors, the forward-looking statements might not prove to be accurate and you should not place undue reliance\nupon them. All forward-looking statements speak only as of the date made and we undertake no obligation to update or revise publicly any forward-looking statements,\nwhether as a re\nsult of new information, future events, or otherwise.\n2", "99e9bd8e-6fd5-4273-81aa-4efb5347031e": "Table of Contents\nPART I\n \nItem 1\n. \nBusiness.\nOverview\nFor 110 years, business, government, and military leaders have turned to Booz Allen Hamilton to solve their most complex problems. A values-driven organization\nwith a guiding purpose to empower people to change the world, we remain focused on providing long-term solutions to our clients\u2019 emerging and ever-changing\nchallenges. Our people are passionate about their service to our clients and their missions and supporting the communities in which we live and work. This is our\nheritage, and it is as true today as when the Company was founded in 1914.\nA collaborative culture is an integral part of our unique operating model and encourages our people to bring a diversity of ideas and talent to every client\nengagement. We combine our in-depth expertise in artificial intelligence and cybersecurity with leading-edge technology and engineering practices to deliver powerful\nsolutions. Leveraging 110 years of strategic consulting expertise with the perspectives of diverse talent, we strive for results by integrating technology with an enduring\nfocus on our clients. By investing in markets, capabilities, and talent, and building new business models, including ventures, partnerships, and product offerings, we\nbelieve we are creating sustainable quality growth for the Company.\nThrough our dedication to our clients' missions, and a commitment to evolving our business to address their needs, we have longstanding relationships with our\nclients, the longest of which is more than 80 years. We support critical missions for a diverse base of federal government clients, including nearly all of the\nU.S. government\u2019s cabinet-level departments, as well as for commercial clients, both domestically and internationally. We support our federal government clients by\nhelping them tackle their most complex and pressing challenges, such as protecting soldiers in combat and supporting their families, advancing cyber capabilities,\nsecuring our national infrastructure, enabling and enhancing digital services, transforming the healthcare system, and improving governmental efficiency to achieve\nbetter outcomes. Drawing on our deep understanding and leading position in cybersecurity, we serve commercial clients across industries, including financial services,\nhealth and life sciences, energy, and technology.\nHistory and Corporate Structure\nWe were founded in 1914 by Edwin Booz, one of the pioneers of management consulting. In 1940, we began serving the U.S. government by advising the Secretary\nof the Navy in preparation for World War II. As the needs of our clients have grown more complex, we have expanded beyond our management consulting foundation to\ndevelop deep expertise in the fields of analytics, digital solutions, engineering, cyber and artificial intelligence.\nWe are organized and operate as a corporation, but sometimes use the term \u201cpartner\u201d to refer to our Chief Executive Officer and our Executive and Senior Vice\nPresidents. The use of the term \u201cpartner\u201d reflects our collaborative culture and is not meant to imply that we operate our Company as, or have any intention to create a\nlegal entity that is, a partnership.\nBooz Allen Holding was incorporated in Delaware in May 2008 to serve as the top-level holding company for the consolidated Booz Allen Hamilton\nU.S. government consulting business. On July 31, 2008, Booz Allen Hamilton completed the separation of its U.S. government consulting business from its legacy\ncommercial and international consulting business, and the sale of 100% of its outstanding common stock to Booz Allen Holding, or the Carlyle Acquisition, which was\nmajority owned by The Carlyle Group and certain of its affiliated investment funds, or Carlyle. Our Company is a corporation that is the successor to the U.S. government\nconsulting business of Booz Allen Hamilton following the separation. Between 2013 and 2016, we registered the offering and sale of common stock by Carlyle, and on\nDecember 6, 2016, Carlyle disposed of its remaining shares of the Company's Class A Common Stock in a registered secondary offering.\nOur Institution and Operating Model\nWe operate as a single profit/loss center with a single bonus pool for leadership. Our operating model encourages collaboration allowing us to bring a mix of the\nbest talent to every client engagement. Our partnership-style culture provides the operational flexibility necessary to quickly mobilize people and capabilities to react to\nmarket changes faster than our competitors. As a result, we can go to market as a whole company rather than as a collection of individual competing business units or\nprofit centers. Our operating model also encourages and enables continuous investment in the right markets, capabilities, and talent to position the Company for further\ngrowth by anticipating what government and commercial clients will need next.", "5f7ae662-5ff3-4cb9-aa14-3fa3042920d2": "Between 2013 and 2016, we registered the offering and sale of common stock by Carlyle, and on\nDecember 6, 2016, Carlyle disposed of its remaining shares of the Company's Class A Common Stock in a registered secondary offering.\nOur Institution and Operating Model\nWe operate as a single profit/loss center with a single bonus pool for leadership. Our operating model encourages collaboration allowing us to bring a mix of the\nbest talent to every client engagement. Our partnership-style culture provides the operational flexibility necessary to quickly mobilize people and capabilities to react to\nmarket changes faster than our competitors. As a result, we can go to market as a whole company rather than as a collection of individual competing business units or\nprofit centers. Our operating model also encourages and enables continuous investment in the right markets, capabilities, and talent to position the Company for further\ngrowth by anticipating what government and commercial clients will need next.\nAcross all markets, we address our clients\u2019 complex and evolving needs by deploying multifaceted teams with a combination of deep mission understanding,\nmarket-leading functional capabilities, consulting talent, and true technical and engineering expertise. These client-facing teams, which are fundamental to our\ndifferentiated value proposition, better position us to create market-relevant growth strategies and plan for and meet current, future, and prospective market needs. They\nalso help us identify and deliver against diverse client needs in a more agile manner. Our significant win rates during fiscal 2024 on new and re-competed contracts of 63%\nand 92%, r\nes\npectively, as compared to 66% and 88%, respectively, in fiscal 2023, demonstrate the strength of this approach.\n3", "f246c394-ee93-4604-a497-fc1c8703b357": "Table of Contents\nHuman Capital Management\nAs we embrace new and future-focused ways of working, we remain true to what has always defined who we are: our commitments to our purpose and values, our\nclients and their missions, and our people. At Booz Allen, we strive to create an environment where all of our 34,200 employees feel a sense of belonging and feel\nempowered to bring their diverse skills, perspectives, and talents to bear on our clients\u2019 biggest challenges and to create careers that are meaningful to them.\nBooz Allen is a place where you can be you.\nCulture.\n Our VoLT (Velocity, Leadership, and Technology) strategy and the modern workplace have created the opportunity for us to invigorate our culture to propel us\ninto the next era. As we navigate a hybrid work environment and seek to perform on an exceptional level, culture is more important than ever. Intentionally building,\nmodeling, and driving a culture that reinforces our strategic objectives, propels our connectedness, and solidifies our purpose is key to unleashing our potential.\nOur cultural aspirations are to:\n\u2022\nCultivate a culture where everyone can thrive and belong\n\u2022\nPreserve our cornerstone of strong relationships and collaboration\n\u2022\nEmbrace a flexible work environment\n\u2022\nEmpower our people to be successful at work and in life\nThese aspirations drive our performance by building off our strengths. By committing to practice an evolved way of \u201chow we do things,\u201d we can amplify the positive\nimpact we have on our people, our clients, and the world.\nDiversity, Equity, and Inclusion (\u201cDEI\u201d).\n Empowering our people includes our commitment to making Booz Allen a more diverse, equitable, and inclusive workplace,\nenabling the execution of our strategy and enabling our people to achieve their full potential. This is aligned with our strong value proposition and assists in attracting\nand retaining the highest caliber employees. We celebrate diversity in all forms, fostering a sense of belonging for our workforce across all ethnicities, religions, genders,\nsexual orientations, ages, and disabilities \nOur VoLT strategy and programs are designed to recruit, incentivize, and retain top talent based on merit and contributions to\nour company and culture.\n\u2022\nVoLT requires us to lead and compete differently to achieve velocity, agility and scale. Our DEI strategy focuses on leading by example through transparency\nand modeling inclusion; empowering potential by driving equitable access and outcomes, inspiring belonging, and being a force for advancing equity. As we\nlook to the near future, we intend to evolve our DEI strategy to further cultivate culture, preserve relationships, embrace flexibility, and empower potential.\n\u2022\nNearly a quarter of our employees are members of at least one of our company-sponsored Employee Communities, which any employee can join. These groups\nsupport our people at every stage of the employment lifecycle by cultivating meaningful networks and development opportunities across locations, job roles,\nlevels, and functional expertise. They are a facet of our devotion to inspiring belonging.\n\u2022\n\u201cUnstoppable Together\u201d is our global, employee-led, DEI movement. Through the power of storytelling, it strives to humanize the complex issues facing the\nmodern workforce. Its assets, all of which are available to employees and non-employees alike, include an annual summit, syndicated podcast, digital quarterly\nmagazine, video library, and discussion guides and conversation cards. Through our people-first perspective, our integrated wellbeing strategy supports all\naspects of our people\u2019s lives and empowers them to thrive.\nAs of March 31, 2024, based upon voluntary self-reporting:\n\u2022\n36% of our global workforce identified as female, including 37% of senior management.\n\u2022\n35% of our U.S. workforce identified as a person of color, including 12% Asian, 12% Black or African American, and 7% Hispanic or Latino, and 4% two or more\nraces; 21% of senior management identified as a person of color.\n\u2022\nNearly 28% of our employees identified as a veteran or an individual with military experience.\n\u2022\n12% of our employees identified as an individual with a disability.\n\u2022\n3% of our U.S. workforce identified as LGBTQIA+.\n\u2022\nApproximately 87% of our employees hold a bachelor\u2019s degree or higher; of that 87%, approximately 40% hold master\u2019s degrees and 4% hold doctoral degrees.\n\u2022\nApproximately 65% hold one or more professional certifications, including certifications on over 10 topics such as Artificial Intelligence, Cyber and IT, Project\nManagement, and Agile.\n\u2022\nApproximately 65% of our employees hold security clearances.", "75417e82-d5c9-4973-a05a-300eaa99773a": "workforce identified as a person of color, including 12% Asian, 12% Black or African American, and 7% Hispanic or Latino, and 4% two or more\nraces; 21% of senior management identified as a person of color.\n\u2022\nNearly 28% of our employees identified as a veteran or an individual with military experience.\n\u2022\n12% of our employees identified as an individual with a disability.\n\u2022\n3% of our U.S. workforce identified as LGBTQIA+.\n\u2022\nApproximately 87% of our employees hold a bachelor\u2019s degree or higher; of that 87%, approximately 40% hold master\u2019s degrees and 4% hold doctoral degrees.\n\u2022\nApproximately 65% hold one or more professional certifications, including certifications on over 10 topics such as Artificial Intelligence, Cyber and IT, Project\nManagement, and Agile.\n\u2022\nApproximately 65% of our employees hold security clearances.\n\u2022\nOf new employee hires, 32% globally identified as female and 40% in the U.S. identified as people of color.\n\u2022\nOf employee departures, 29% globally identified as female and 36% in the U.S. identified as people of color.\nEmployee Engagement\n. We conduct an annual Employee Experience Survey. The survey results provide insights into our employees\u2019 experience. Eighty-three percent of\nour employees reported having a favorable experience, with higher results than competitors against whom we benchmark our performance.\n4", "fd5d4b8e-7139-4697-a59a-5682efd054e1": "Table of Contents\nBooz Allen is a place where you are part of something bigger than yourself.\nWe look out for one another, solve the world\u2019s toughest problems, and do what\u2019s right. With our purpose and values as our North Star, our unique culture\nprovides us with a platform to set ourselves apart from our competitors.\nPurpose and values\n. Our purpose\u2014to empower people to change the world\u2014is an expression of our values. Together, they form the foundation of everything at Booz\nAllen. Our values are:\n\u2022\nFerocious Integrity: Do right, and hold yourself and each other accountable.\n\u2022\nUnflinching Courage: Bring bold thinking and speak truth to power. Maintain conviction no matter the circumstances.\n\u2022\nPassionate Service: Listen and act with empathy as you make meaningful connections. Build community through generosity, and above all, embrace the mission.\n\u2022\nChampion\u2019s Heart: Bring joy to the pursuit and learn from failure. Compete with passion and crave being the best.\n\u2022\nCollective Ingenuity: Be resourceful and creative, seek to make the biggest difference in every problem you solve. Be devoted to the team and harness the power\nof diversity.\nEthics & Compliance\n. As one of the first organizations in the United States to adopt a formal code of business ethics, we believe that doing right and holding ourselves\nand others accountable is the only way to do business\n. Our Code of Business Ethics and Conduct represents our values in action and serves as a guide for all Booz Allen\npeople on how they should operate on behalf of the Company, day in and day out. It outlines what is expected of us and how we meet those expectations.\n\u2022\nIn March 2024, the Ethisphere Institute named Booz Allen among the World\u2019s Most Ethical Companies for the fifth consecutive year. The annual list recognizes\nglobal companies dedicated to integrity, sustainability, governance, and community with a commitment to ethical behavior, accountability, and driving positive\nchange.\nCommunity Impact\n. To create a more secure, resilient, and equitable future for all, we support and partner with charitable organizations. For fiscal 2024, Booz Allen\ndonated $5.4 million to nonprofit organizations. Through Booz Allen initiatives, our employees donated $1.7 million to more than 2,200 nonprofit organizations and\nengaged in more than 68,000 hours of volunteer service to more than 760 nonprofit organizations. Some of our calendar year 2023 highlights include:\n\u2022\nLaunched a national movement for equitable access to responsible AI education with the AI Education Project, including thought leadership, convenings, and\nteacher workshops, including the training of more than 1,000 educators in Hawaii and Maryland.\n\u2022\nRecognized in 2023 by the San Diego Business Journal for \u201cOutstanding Collaboration between a Business & Nonprofit,\u201d Booz Allen\u2019s partnership with Girl\nScouts San Diego includes sponsorship of the annual \u2018Incredible Race\u2019 STEM scavenger hunt and educational Cybersecurity Workshops led by Booz Allen\nvolunteers.\n\u2022\nSupported Thurgood Marshall College Fund\u2019s Teacher Retention and Quality Program to recruit and retain more black teachers, and to provide them with\ntechnology, resources, and training to be leaders in their schools. Our funding supported 83 teachers who were able to affect 10,000 students, 90 percent from\nTitle 1 schools.\n\u2022\nEstablished the multi-year Booz Allen Scholarship for Intelligence Studies at University of Hawai'i at Manoa.\n\u2022\nEmpowered 400 students and 40 teachers through sponsorship of Wolf Trap Institute's Early STEM/Arts Program which provides \nprofessional development for\neducators in techniques and strategies that offer opportunities for arts integration which can lead to higher levels of learning in STEM subjects.\nBooz Allen is a place where you are empowered with knowledge and support to change the world.\nOur \u201cthink global, act local\u201d approach to total rewards aims to provide our people with access to meaningful benefits and programs across a spectrum of life and career\nstages regardless of where they are based.\nLearning without Limits\n. From in-house, award-winning training and badging programs to external tuition reimbursement and more, we strive to provide our employees\nwith limitless opportunities to enhance and broaden their skill set\u2014anytime, anywhere. In support of our VoLT growth strategy and its reliance on a highly skilled,\ntechnical workforce, we launched Technical Experience Groups (\u201cTXGs\u201d) to help attract, engage, and retain technically focused employees. Through TXGs, all Booz\nAllen employees can build technical acumen, unlock career opportunities, build connections through technical mentorships, and access and create technical thought\nleadership and intellectual property.\nOwning the Experience\n.", "17ac97cf-d556-4a3b-846f-178839f6fc79": "Booz Allen is a place where you are empowered with knowledge and support to change the world.\nOur \u201cthink global, act local\u201d approach to total rewards aims to provide our people with access to meaningful benefits and programs across a spectrum of life and career\nstages regardless of where they are based.\nLearning without Limits\n. From in-house, award-winning training and badging programs to external tuition reimbursement and more, we strive to provide our employees\nwith limitless opportunities to enhance and broaden their skill set\u2014anytime, anywhere. In support of our VoLT growth strategy and its reliance on a highly skilled,\ntechnical workforce, we launched Technical Experience Groups (\u201cTXGs\u201d) to help attract, engage, and retain technically focused employees. Through TXGs, all Booz\nAllen employees can build technical acumen, unlock career opportunities, build connections through technical mentorships, and access and create technical thought\nleadership and intellectual property.\nOwning the Experience\n. Our Talent Mobility and Performance programs move employees from where they are now to where they want to be. Our programs emphasize the\nimportance of goal setting, regular touchpoints to share feedback and aspirations, and career profiles that display and unlock experiences\u2014all with the support system of\ntrained managers and leaders who help build and guide personalized career journeys.\nEnjoying the Pursuit. \nAppreciation is personal for us. Our Total Rewards program supports a resilient, high-performing workforce by investing in the financial, emotional,\nand physical well-being of our employees and the people they care most about.\n5", "d157b76b-1a4f-4cf1-a481-09acb97d093c": "Table of Contents\nPay Practices & Pay Equity\n. Our commitment to provide a fair and equitable workplace for employees, including through our pay practices, is woven into our Code of\nBusiness Ethics and Conduct, other policies, and practices, with support and oversight from the Compensation, Culture and People Committee of the Company\u2019s board of\ndirectors (the \u201cBoard\u201d). We have designed our compensation structure to pay our people competitively in the market and equitably based on their skills, qualifications,\nroles, and abilities.\nAs part of our commitment to pay equity, we have processes in place to monitor our compensation practices, and we conduct a pay equity analysis on an annual basis in\nthe U.S. to examine differences in pay between employees of different genders, races and ethnicities.\nBooz Allen is a place that is recognized for providing an exceptional experience.\nWe are proud of the recognition we continue to receive for empowering great talent, exhibiting a spirit of corporate citizenship, and achieving excellence. Some of our\nrecent awards and recognitions include:\n\u2022\nBlack Engineer of the Year Award\n: 100+ employees recognized since 2005\n\u2022\nBloomberg Government\n\u2019s BGOV200 Federal Industry Leaders Report\n\u2022\nBusiness Group on Health\n\u2019s\n \nBest Employers: Excellence in Health & Well-Being\n\u2022\nDefenseNews\n\u2019 Top 100 Defense Companies\n\u2022\nDisability Equality Index\n\u2019s\n \nBest Places to Work\n\u2022\nDiversity First\n\u2019s Top 50 Companies for Diversity\n\u2022\nEthisphere\n\u2019s World\u2019s Most Ethical Companies\n\u2022\nForbes\n\u2019 America\u2019s Best Employers for Veterans\n\u2022\nForbes\n\u2019 America\u2019s Best Large Employers and America\u2019s Best Employers for Diversity\n\u2022\nFortune\n\u2019s America\u2019s Most Innovative Companies: This award recognizes a company\u2019s entrepreneurial innovation based on product innovation, process\ninnovation, innovation culture, and revenue growth\n\u2022\nFortune\u2019s \nFortune 500\n\u2022\nFortune\n\u2019s World\u2019s Most Admired Companies\n\u2022\nGlassdoor\n\u2019s\n \nBest 100 Places to Work\n\u2022\nInvestor\u2019s Business Daily\n\u2019s Best ESG Companies\n\u2022\nNewsweek\u2019s: \nAmerica\u2019s Greatest Workplaces for Parents and Families\n\u2022\nNewsweek\n\u2019s: America\u2019s Greatest Workplaces for Remote Work\n\u2022\nNewsweek\u2019s: Most Loved Workplaces in America\n\u2022\nSeramount\n\u2019s\n \n100 Best Companies for Working Parents\n\u2022\nTIME\n\u2019s World\u2019s Best Companies of 2023\n\u2022\nU.S. Department of Labor\n\u2019s\n \n2023 HIRE Vets Platinum Medallion Award\n\u2022\nU.S. News & World Report\n\u2019s Best Companies to Work For\n\u2022\nWashington Technology\n Top 100\n\u2022\nWomen of Color in STEM\n: 250+ employees recognized since 2004\nInnovation and Solutions\nOur company's innovation engine is focused on harnessing our ability to identify and ride successive waves of emerging technologies, with the goal to amass a\nportfolio of differentiated and mission-centric technology businesses.\nWe identify, assess, build, and deploy emerging technology solutions, while ensuring that our technical expertise is closely integrated with mission insight from\nacross the business. Within the larger innovation ecosystem, we cultivate relationships through technology scouting, partnerships, and venturing to identify emerging\ntechnology with applicability to our clients' missions. We then incubate and prototype that technology against mission use cases to assess market readiness. Once\nproven, we focus on building capacity in emerging technology capabilities and solutions, such as AI, Cyber, and 5G, in partnership with our business sectors.\nThroughout this innovation lifecycle, we are focused on advancing our solution engineering standards, the creation of reusable Intellectual Property/Intellectual Capital,\nand the application of new business and delivery models.\n6", "4d43cc52-1b4d-4149-a87c-bb49bc814c5b": "Table of Contents\nTo complement our innovation engine, we are deeply invested in cultivating and inspiring our technical talent. We lead programs to grow our Company's capacity\nin emerging technology skills and cultivate a vibrant technical community that fuels innovation for our client mis\nsions. We also maintain an active network of innovation\ncenters, labs, and studios that serve clients with some of the best technologies, talent, and research that our industry has to offer. Beyond The Helix\u2014our innovation\ncenter in Washington, DC\u2014Booz Allen\u2019s regional research-and-development labs are stationed close to critical missions, providing clients with access to on-demand\ninnovation and the latest in experimentation, from 5G to the metaverse.\nEmpowering Our Technical Communities\nBooz Allen is intentional about building a culture of empowerment where we can grow today\u2019s talent and future leaders from within. Our Technical Experience\nGroups are open to all employees and are designed to build technical affiliation and skills, generate opportunities for career growth, and advance our technical capabilities\nand solutions around the following eight functional areas that are important to the Company\u2019s growth:\n\u2022\nArtificial Intelligence\n:\n The Artificial Intelligence (\u201cAI\u201d) TXG\u2019s computer programmers, mathematicians, and scientists harness computer learning to tackle\ncomplex decision-making with speed and precision. The group focuses on current and emerging AI capability areas, including machine learning (\u201cML\u201d),\npredictive modeling, automation and decision analytics, and quantum computing.\n\u2022\nCyber:\n \nThe Cyber TXG\u2019s threat hunters, intelligence analysts, and ethical hackers utilize cybersecurity expertise to protect and defend computer networks, cyber\nphysical systems, and infrastructure. The group prioritizes cyber capability areas, including strategy and policy, risk management, architecture and engineering,\ndefense operations, analytics and AI/ML, and computer network operations.\n\u2022\nData Science & Data Engineering:\n \nThe Data Science & Data Engineering TXG\u2019s data scientists, analysts, and engineers transform data into insights to inform\ndecisions. The group emphasizes data science and data engineering capability areas, such as data science, engineering, visualization, strategy, and analysis.\n\u2022\nExperience & Immersive:\n \nThe Experience & Immersive TXG\u2019s artists, engineers, strategists, and storytellers combine human-centered design, digital, and data\nexpertise to create meaningful customer experiences that improve how people interact with their environments. The group highlights experience and immersive\ncapability areas, including User Experience (\u201cUX\u201d)/User Interface (\u201cUI\u201d), design thinking, sketching, graphic design, web design, and digital product design.\n\u2022\nCloud & Infrastructure:\n \nThe Platform & Infrastructure TXG\u2019s architects and engineers help accelerate, scale, secure, and transform mission and business\noutcomes using the latest technologies and partner offerings. The group advances platform and infrastructure capabilities, including hybrid and multi-cloud\ndeployment, edge cloud, cloud migration and modernization, DevSecOps, and enterprise mobility, security, and infrastructure modernization.\n\u2022\nSoftware Engineering:\n \nThe Software Engineering TXG\u2019s front end, back end, and full stack developers, architects, designers, testers, and UX resources apply\nengineering methods and principles to the design, development, testing, and maintenance of software. The group harnesses modern software and systems\ndevelopment capability areas, in particular agile practices, DevSecOps, automation and Cloud, and Low/No Code Platform engineering.\n\u2022\nSystems & Digital Engineering:\n \nThe Systems & Digital Engineering TXG\u2019s engineers, system architects, computer programmers, and digital analysts combine\ntraditional engineering with modern digital tools and practices to more efficiently and effectively conceptualize, design, develop, and deploy integrated services\nand solutions. The group focuses on systems and digital engineering capability areas, like engineering and science, data and ML, cloud automation, Digital\nTwin, and 5G.\n\u2022\nTech Strategy & Product Management:\n \nThe Tech Strategy & Product Management TXG\u2019s agile practitioners, operational specialists, and product and project\nmanagers manage the strategic, operational, and management functions that enable digital execution and IT transformation. The group prioritizes tech strategy\nand product management capability areas, including corporate venture capital, digital transformation, emerging tech, partnerships, product management,\nstrategic assessments and technology adoption, and tech scouting.\nOur Long-Term Growth Strategy\nFiscal year 2024 was the second year of our VoLT strategy, which acknowledges that continued growth requires us to operate with increased speed, agility, and\nscale in a rapidly changing, highly competitive, and increasingly technical environment. The competitive landscape is changing, and investments in technology from both\npublic and private sectors are gaining momentum. The need for highly qualified technical professionals greatly exceeds availability. In this context, our clients are\nincreasingly reliant on technology as their missions grow in size, complexity, and digital focus.", "55a48066-ce57-4612-b096-494fdd98efcf": "The group prioritizes tech strategy\nand product management capability areas, including corporate venture capital, digital transformation, emerging tech, partnerships, product management,\nstrategic assessments and technology adoption, and tech scouting.\nOur Long-Term Growth Strategy\nFiscal year 2024 was the second year of our VoLT strategy, which acknowledges that continued growth requires us to operate with increased speed, agility, and\nscale in a rapidly changing, highly competitive, and increasingly technical environment. The competitive landscape is changing, and investments in technology from both\npublic and private sectors are gaining momentum. The need for highly qualified technical professionals greatly exceeds availability. In this context, our clients are\nincreasingly reliant on technology as their missions grow in size, complexity, and digital focus. We must continually adapt to keep pace with these shifts and guide our\nclients towards a future of digital missions. Our ability to embrace and drive change is crucial to our success, which is why we are using our VoLT strategy and its\nframework to rapidly innovate and scale solutions to transform missions and address our clients\u2019 complex challenges.\n7", "572831c4-326a-4467-9021-526fefdf3ba1": "Table of Contents\nVoLT is the next era of Booz Allen and is accelerating our growth by focusing on the powerful convergence of Velocity, Leadership, and Technology\u2014the\nblueprint for transforming our Company.\nVelocity: Get There First\nLeverage our mission knowledge to get to the future at speed and scale\n\u2022\nDouble-down on innovation\n\u2022\nStrategically use mergers and acquisitions and partnerships to build market positions\n\u2022\nMake decisions closer to the needs of clients\nLeadership: Transform with Conviction\nRedefine mission leadership to stand apart in this new era\n\u2022\nIdentify client needs ripe for hyper-growth\n\u2022\nScale businesses at the nexus of mission and technology\nTechnology: Differentiate to Win\nPut technology at the heart of the client mission to define the next generation of impact\n\u2022\nUse mission insights to develop solutions\n\u2022\nIdentify, build, and scale next generation technology to transform mission\nWith VoLT as the catalyst, our ambition is that by 2030 Booz Allen will be a market-leading mission partner for the U.S. government in the new digital environment,\nhighly differentiated across a portfolio of scaled mission and technology businesses, and recognized for integrating, applying, and scaling technologies in the service of\nnational mission priorities.\nOur Clients\nBooz Allen is committed to solving our clients\u2019 toughest challenges, and we work with a diverse base of public and private sector clients across a number of\nindustries in the U.S. and internationally, operating at the intersection of technology and mission understanding.\nOur clients call us to work on their hardest problems, such as delivering effective healthcare, protecting soldiers in combat and their families, and keeping our\nnational infrastructure secure. We are investing in markets, capabilities, and talent and are building new business models through strategic ventures, partnerships, and\nproduct offerings.\nOur government clients include nearly all of the cabinet-level departments of the U.S. government. We also serve large commercial clients across industries,\nincluding financial services, health and life sciences, energy, and technology to solve their hardest and most sophisticated cyber challenges. Internationally, we also\nserve a portfolio of U.S. and non-U.S. government and commercial clients.\nA Large Addressable Market\nWe believe that the U.S. government is the world\u2019s largest consumer of management consulting and technology services. According to the Congressional Budget\nOffice and the U.S. Department of the Treasury, the U.S. government\u2019s total spending for its fiscal year ended September 30, 2023 was $6.1 trillion. Memorandum baseline\nestimates for fiscal year 2023 indicate approximately $1.7 trillion was for discretionary budget authority, including $806 billion for the Department of Defense and\nintelligence community and $912 billion for civil agencies. Based on data from the Federal Procurement Data System, approximately $775.9 billion of the U.S. government\u2019s\nfiscal year 2023 discretionary outlays were non-intelligence agency funding-related products and services procured from private contractors. We estimate that $172.8\nbillion of the spending directed toward private contractors in U.S. government fiscal year 2023 was for management, technology, and engineering services, with $89.0\nbillion spent by the Department of Defense and $83.8 billion spent by civil agencies. The agencies of the U.S. intelligence community that we serve represent an\nadditional addressable market that is classified and, therefore, excluded from these numbers. These numbers also exclude a large addressable market for our services and\ncapabilities in the global commercial markets where we have a modest footprint.\nHighlights of Booz Allen\u2019s fiscal 2024 are as follows:\n\u2022\nWe derived 98% of our revenue from contracts where the end client was an agency or department of the U.S. government.\n\u2022\nWe delivered services under 4,755 contracts and task orders.\n\u2022\nWe derived 95% of our revenue in fiscal 2024 from engagements for which we acted as the prime contractor.\n\u2022\nWe derived 13% of our revenue in fiscal 2024 from the Department of Veterans Affairs, which was the single largest client that we served in that year.\n8", "399242de-4cf9-4575-9c21-604969e6159c": "Table of Contents\nSelected Long-Term Client Relationships\n \nClient\nRelationship\nLength\n(Years)\nU.S. Navy\n80+\nU.S. Army\n75+\nDepartment of Veterans Affairs\n70+\nDepartment of Energy\n45+\nU.S. Air Force\n45+\nNational Security Agency\n40+\nDepartment of Homeland Security\n40+\nFederal Bureau of Investigation\n30+\nInternal Revenue Service\n25+\nDepartment of Health and Human Services\n25+\nNational Reconnaissance Office\n25+\nA U.S. intelligence agency\n25+\n \nIncludes predecessor organizations.\nDefense Clients\nWe are a preferred partner to the Department of Defense in the generation and sustainment of differentiated mission outcomes. We blend decades of mission\nexperience with state of-the-art AI/ML, next-generation data solutions, resilient communications, cyber, and advanced software development. As we operate in an\nenvironment where our adversaries are deeply investing in technology, we design open architectures to lower lifecycle cost and maintain a technical edge to modernize,\nachieve interoperability, and win. Our technologists partner with our mission experts to build solutions that deliver mission technologies for today\u2019s digital battlespace,\nthe fully networked conflict space extending across all warfighting domains.\nOur core defense clients include all six branches of the U.S. military, the Office of the Secretary of Defense, NASA and the Joint Staff. Our key defense clients\ninclude the Army, Navy/Marine Corps, Air Force, Space Force, Coast Guard, and Joint Combatant Commands.\nRevenue generated from defense clients was $5.1 billion, or approximately 47.1% of our revenue, in fiscal 2024, as compared to $4.2 billion, or approximately 45.2%\nof our revenue, in fiscal 2023. Revenue generated from defense clients also includes foreign military sales and work performed under status of forces agreements to U.S.\nand non-U.S. government clients.\nIntelligence Clients\nWe deliver innovative, high-value services, capabilities, and solutions that directly impact core national security missions across the Intelligence Community and\nnational cyber mission providers. We leverage our knowledge of the mission and tailor our capabilities for our clients\u2014our biggest driver is the demand for innovation,\nrequiring us to be ahead of the pace of technology adoption. Technology is at the center of our clients' missions and ours\u2014we are investing in emerging technologies\nlike AI, zero trust cyber solutions, multi-cloud, and 5G to adapt ahead of adversaries. The national security workforce remains focused on what's next, blending cleared\nand uncleared talent across dispersed geographies, ensuring mission impact. Our combination of technology, innovation, and talent is helping to shape the future of our\nnational security ecosystem.\nOur intelligence clients are the 18 organizations of the U.S. Intelligence Community, which includes independent agencies, the Department of Defense elements,\nsuch as the National Security Agency and Defense Intelligence Agency, and other departments or agencies.\nRevenue generated from intelligence clients was $1.8 billion, or approximately 16.6% of our revenue, in fiscal 2024, as compared to $1.7 billion, or approximately\n18.2% of our revenue, in fiscal 2023.\nCivil Clients\nOur civil work centers on the federal missions that are the highest priority to the domestic agenda, and we excel at helping our clients innovate their most critical\nmissions. From healthcare, homeland security, and financial services to justice, law enforcement, immigration, energy, transportation, and labor, we work at the core of the\nmission to address our clients' most pressing needs.\n (1)\n(1)\n9", "3c854b0b-7f3b-4d82-9fae-c655f4168157": "Table of Contents\nOur major civil government clients include the Departments of Veterans Affairs, Health and Human Services, Treasury, Labor, Homeland Security, Justice, Energy,\nCommerce, and Transportation. Modernization and transformation are key needs of our clients, and we offer the technical expertise and mission understanding required\nto deliver innovative solutions to all our clients' needs across the civil portfolio.\nRevenue generated from civil clients was $3.7 billion, or approximately 34.3% of our revenue, in fiscal 2024, as compared to $3.1 billion, or approximately 33.6% of\nour revenue, in fiscal 2023.\nGlobal Commercial Clients\nThe Global Commercial business partners with clients, from sophisticated multinational organizations to small-to-medium sized organizations, to transform\ncybersecurity into a sustainable, competitive advantage to drive their businesses forward. We deliver advanced cyber defense solutions across two industry leading\nlines of business: enterprise consulting and incident response. Our team is led by practitioners with decades of cyber operational, strategic consulting, incident response,\ncommercial, and federal experience. Our extensive industry expertise is earned through years of working with market leading clients in financial services, health and life\nsciences, software and technology, manufacturing, logistics, and energy.\nRevenue generated from global commercial clients was $173.2 million, or approximately 1.6% of our revenue, in fiscal 2024, as compared to $231.6 million, or\napproximately 2.5% of our revenue, in fiscal 2023.\nContracts\nBooz Allen\u2019s approach has long been to ensure that we have prime or subcontractor positions on a wide range of contracts that allow clients maximum opportunity\nto access our services. Our diverse contract base provides stability to our business. This diversity shows that more than 85% of our revenue for fiscal 2024 was derived\nfrom 2,650 active task orders under IDIQ contract vehicles. Our top IDIQ contract vehicle represented approximately 15.2% of our revenue in fiscal 2024. Our largest task\norder under an IDIQ contract vehicle accounted for approximately 4.5% of our revenue in fiscal 2024. Our largest definite contract represented approximately 0.7% of our\nrevenue in fiscal 2024. For risks related to our contracts, see \u201cItem 1A. Risk Factors\u2014Industry and Economic Risks.\u201d\nThe U.S. government procures services through two predominant contracting methods: indefinite contract vehicles and definite contracts. Each of these is\ndescribed below:\n\u2022\nIndefinite contract vehicles provide for the issuance by the client of orders for services or products under the terms of the contract. Indefinite contracts are often\nreferred to as contract vehicles or ordering contracts. IDIQ contracts may be awarded to one contractor (single award) or several contractors (multiple award).\nUnder a multiple award IDIQ contract, there is no guarantee of work as contract holders must compete for individual work orders. IDIQ contracts will often\ninclude pre-established labor categories and rates, and the ordering process is streamlined (usually taking less than a month from recognition of a need to an\nestablished order with a contractor). IDIQ contracts often have multiyear terms and unfunded ceiling amounts, thereby enabling but not committing the\nU.S. government to purchase substantial amounts of products and services from one or more contractors in a streamlined procurement process.\n\u2022\nDefinite contracts call for the performance of specified services or the delivery of specified products. The U.S. government procures services and solutions\nthrough single award, definite contracts that specify the scope of services that will be delivered and identify the contractor that will provide the specified\nservices. When an agency recognizes a need for services or products, it develops an acquisition plan, which details how it will procure those services or\nproducts. During the acquisition process, the agency may release a request for information to determine if qualified bidders exist, a draft request for a proposal to\nallow the industry to comment on the scope of work and acquisition strategy, and finally a formal request for a proposal. Following the evaluation of submitted\nproposals, the agency will award the contract to the winning bidder.\n10", "61cc0064-994c-46b6-a806-d1a8bf8be3f6": "Table of Contents\nListed below are our top IDIQ contracts for fiscal 2024 and the number of active task orders under these contracts as of March 31, 2024\n. \nFiscal\n2024 Revenue\n% of\nTotal\nRevenue\nNumber of\nTask Orders as of\nMarch 31, 2024\nExpiration Date \n \n(in millions)\nGSA Alliant 2\n$1,625.5\n15.2%\n83\n6/30/2028\n(OASIS) One Acquisition Solution for Integrated Services\n1,225.2\n11.5%\n98\n3/1/2025\nVA Transformation Twenty-One Total Technology Next Generation\n(T4NG) IDIQ\n765.9\n7.2%\n12\n3/6/2026\nLiberty IT - VA T4NG IDIQ\n585.9\n5.5%\n19\n3/6/2026\nDTIC Information Analysis Center Multiple Award Contract (IAC\nMAC) IDIQ\n571.8\n5.4%\n59\n9/29/2027\nSeaPort Next Generation (SeaPort NxG) IDIQ\n558.9\n5.2%\n37\n1/1/2029\nAlliant\n375.0\n3.5%\n24\n4/30/2019\nMultiple Award Schedule (MAS) - Formerly known as Information\nTechnology (IT) Schedule 70 (New)\n197.1\n1.8%\n27\n6/28/2036\nCIOSP3\n170.2\n1.6%\n23\n4/29/2024\nSolutions for Intelligence Analysis 3 IDIQ\n165.5\n1.6%\n7\n8/4/2029\n Expiration date applies to the IDIQ vehicle. Task orders awarded under the IDIQ can run past the expiration of the IDIQ itself.\nListed below for each specified revenue band is the number of task orders, revenue derived from the task orders, and average duration of the task orders as of\nMarch 31, 2024. The table includes revenue earned during fiscal 2024 under all task orders that were active during fiscal 2024 under these IDIQ contracts and the number\nof active task orders on which this revenue was earned. Average duration reflected in the table below is calculated based on the inception date of the task order, which\nmay be prior to the beginning of fiscal 2024, and the completion date which may have been prior or subsequent to March 31, 2024. As a result, the actual average\nremaining duration for task orders included in this table may be less than the average duration shown in the table, and task orders included in the table may have been\ncomplete on March 31, 2024.\n \nSegmentation of Task Order by Revenue Fiscal 2024\nNumber of Task\nOrders Active During Fiscal\n2024\nFiscal 2024 \nRevenue\n(in millions)\n% of Total\nRevenue\nAverage\nDuration\n(Years)\nLess than $1 million\n1,891\n$357.2\n3%\n2.3\nBetween $1 million and $3 million\n341\n603.9\n6%\n3.6\nBetween $3 million and $5 million\n142\n542.2\n5%\n4.0\nBetween $5 million and $10 million\n122\n862.8\n8%\n4.5\nGreater than $10 million\n154\n6,758.5\n63%\n4.8\nTotal\n2,650\n$9,124.6\n85%\n2.8\nListed below are our top definite contracts for fiscal 2024 and revenue recognized under these contracts.", "b76bd5b1-1ec9-4591-aab3-f70faab31568": "Segmentation of Task Order by Revenue Fiscal 2024\nNumber of Task\nOrders Active During Fiscal\n2024\nFiscal 2024 \nRevenue\n(in millions)\n% of Total\nRevenue\nAverage\nDuration\n(Years)\nLess than $1 million\n1,891\n$357.2\n3%\n2.3\nBetween $1 million and $3 million\n341\n603.9\n6%\n3.6\nBetween $3 million and $5 million\n142\n542.2\n5%\n4.0\nBetween $5 million and $10 million\n122\n862.8\n8%\n4.5\nGreater than $10 million\n154\n6,758.5\n63%\n4.8\nTotal\n2,650\n$9,124.6\n85%\n2.8\nListed below are our top definite contracts for fiscal 2024 and revenue recognized under these contracts. Classified contracts that cannot be named are noted\ngenerically in the table:\nFiscal\n2024 Revenue\n% of\nTotal Revenue\nExpiration\nDate\n \n(in millions)\nClassified Contract\n$\n72.5 \n0.7%\n6/30/2025\nClassified Contract\n69.0 \n0.6%\n12/29/2023\nUSDA FOREST SERVICES R1S\n46.6 \n0.4%\n9/30/2028\nClassified Contract\n46.5 \n0.4%\n3/31/2025\nClassified Contract\n38.2 \n0.4%\n4/18/2028\nClassified Contract\n33.2 \n0.3%\n9/16/2024\nARPA-E SETA BRIDGE V\n32.8 \n0.3%\n4/30/2024\nClassified Contract\n30.8 \n0.3%\n1/18/2029\nClassified Contract\n29.6 \n0.3%\n1/7/2024\nClassified Contract\n27.2 \n0.3%\n7/31/2024\n(1)\n(1)\n11", "0a4e9a03-9aff-4cc7-b15c-73c7f7ccd66e": "Table of Contents\nBacklog\nWe define backlog to include the following three components:\n\u2022\nFunded Backlog.\n Funded backlog represents the revenue value of orders for services under existing contracts for which funding is appropriated or otherwise\nauthorized less revenue previously recognized on these contracts.\n\u2022\nUnfunded Backlog.\n Unfunded backlog represents the revenue value of orders (including optional orders) for services under existing contracts for which funding\nhas not been appropriated or otherwise authorized.\n\u2022\nPriced Options.\n Priced contract options represent 100% of the revenue value of all future contract option periods under existing contracts that may be exercised\nat our clients\u2019 option and for which funding has not been appropriated or otherwise authorized.\nOur backlog does not include contracts that have been awarded but are currently under protest, and also does not include any task orders under IDIQ contracts\nexcept to the extent that task orders have been awarded to us under those contracts.\nThe following table summarizes the value of our contract backlog as of the respective periods shown:\n \n \nAs of March 31,\n \n2024\n2023\n \n(in millions)\nFunded\n$\n4,822 \n$\n4,619 \nUnfunded\n9,463 \n9,519 \nPriced options\n19,533 \n17,064 \nTotal backlog\n$\n33,818 \n$\n31,202 \nWe may never realize all of the revenue that is included in our total backlog, and there is a higher degree of risk in this regard with respect to unfunded backlog and\npriced options. See \u201cItem 7. Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations\u2014Factors and Trends Affecting Our Results of\nOperations\u2014Sources of Revenue\u2014Contract Backlog\u201d for additional disclosure regarding our backlog. See also \u201cItem 1A. Risk Factors\u2014Industry and Economic Risks\u2014\nWe may not realize the full value of our backlog, which may result in lower than expected revenue.\u201d\nCompetition\nThe government services market is highly fragmented and competition within the government professional services industry has intensified as a result of market\npressure and consolidation activity. In addition to professional service companies like ours that focus principally on the provision of services to the U.S. government,\nother companies active in our markets include large defense contractors; diversified consulting, technology, and outsourcing service providers; and small businesses.\nChanging government policies and market dynamics are impacting the competitive landscape. In the past, the government\u2019s focus on organizational conflicts of\ninterest has driven divestitures, which have changed the competitive landscape. There has been increasing pressure from government clients to utilize small businesses,\nin large part because of a push by both past and present administrations to bolster the economy by helping small business owners. Finally, as a result of the foregoing\nfactors and the drive in our markets to quickly build competencies in growth areas and achieve economies of scale, we believe that consolidation activity among market\nparticipants will continue.\nIn the course of doing business, we compete and collaborate with companies of all types and sizes. We strive to maintain positive and productive relationships\nwith these organizations. Some of them hire us as a subcontractor, and we hire some of them to work with us as our subcontractors. Our major competitors include:\n(1) contractors focused principally on the provision of services to the U.S. government, (2) large defense contractors that provide both products and services to the\nU.S. government, and (3) diversified service providers. We compete based on our technical expertise and client knowledge, our ability to successfully recruit and retain\nappropriately skilled and experienced talent, our ability to deliver cost-effective multifaceted services in a timely manner, our reputation and relationship with our clients,\nour past performance, security clearances, and the size and scale of our Company. In addition, to maintain our competitive position, we routinely review our operating\nstructure, capabilities, and strategy to determine whether we are effectively meeting the needs of existing clients, effectively responding to developments in our markets,\nand successfully building a platform intended to provide the foundation for the future growth of our business.\n12", "2aab4aad-12d3-4497-9468-2b5ce6e015ab": "Table of Contents\nPatents and Proprietary Information\nOur management and technology consulting services business utilizes a variety of proprietary rights in delivering products and services to our clients. We claim a\nproprietary interest in certain service offerings, products, software tools, methodologies, and know-how, and also have certain licenses to third-party intellectual property\nthat may be significant to our business. While we have several patents issued and pending in the United States and in certain foreign countries, we do not consider our\noverall business to be materially dependent on the protection of such patents. In addition, we have a number of trade secrets that contribute to our success and\ncompetitive position, and we endeavor to protect this proprietary information. While protecting trade secrets and proprietary information is important, we are not\nmaterially dependent on any specific trade secret or group of trade secrets.\nWe rely on a combination of nondisclosure agreements and other contractual arrangements, as well as copyright, trademark, patent, and trade secret laws, to\nprotect our proprietary information. We also enter into proprietary information and intellectual property agreements with employees, which require them to disclose any\ninventions created during employment, to convey such rights to inventions to us, and to restrict any disclosure of proprietary information. We have a variety of\ntrademarks registered in the United States and certain foreign countries, including \u201cBooz Allen Hamilton\u201d and \u201cBooz Allen.\u201d Generally, registered trademarks have\nperpetual life, provided that they are renewed on a timely basis and continue to be used properly as trademarks. We have registered trademarks related to our name and\nlogo in the United States, with the earliest renewal in November 2032, while the earliest renewal for our trademarks outside of the United States is October 2024.\nFor our work under U.S. government funded contracts and subcontracts, the U.S. government obtains certain rights to data, software, and related information\ndeveloped under such contracts or subcontracts. These rights may allow the U.S. government to disclose such data, software, and related information to third parties,\nwhich may include our competitors in some instances. In the case of our work as a subcontractor, our prime contractor may also have certain rights to data, information,\nand products we develop under the subcontract.\nBooz Allen Hamilton\nand other trademarks or service marks of Booz Allen Hamilton Inc. appearing in this Annual Report are the trademarks or registered trademarks\nof Booz Allen Hamilton Inc. Trade names, trademarks, and service marks of other companies appearing in this Annual Report are the property of their respective owners.\nRegulation\nAs a contractor to the U.S. government, as well as state and local governments, we are heavily regulated in most fields in which we operate. We deal with numerous\nU.S. government agencies and entities, and, when working with these and other entities, we must comply with and are affected by unique laws and regulations relating to\nthe formation, administration, and performance of public government contracts. Some significant laws and regulations that affect us include the following:\n\u2022\nthe FAR, and agency regulations supplemental to the FAR, which regulate the formation, administration, and performance of U.S. government contracts. For\nexample, FAR 52.203-13 requires contractors to establish a Code of Business Ethics and Conduct, implement a comprehensive internal control system, and report\nto the government when the contractor has credible evidence that a principal, employee, agent, or subcontractor, in connection with a government contract, has\nviolated certain federal criminal laws, violated the civil False Claims Act, or has received a significant overpayment;\n\u2022\nthe False Claims Act, which imposes civil and criminal liability for violations, including substantial monetary penalties, for, among other things, presenting false\nor fraudulent claims for payments or approval;\n\u2022\nthe False Statements Act, which imposes civil and criminal liability for making false statements to the U.S. government;\n\u2022\nthe Truthful Cost or Pricing Data Statute (formerly known as the Truth in Negotiations Act), which requires certification and disclosure of cost and pricing data\nin connection with the negotiation of certain contracts, modifications, or task orders;\n\u2022\nthe Procurement Integrity Act, which regulates access to competitor bid and proposal information and certain internal government procurement sensitive\ninformation, and our ability to provide compensation to certain former government procurement officials;\n\u2022\nlaws and regulations restricting the ability of a contractor to provide gifts or gratuities to employees of the U.S. government;\n\u2022\npost-government employment laws and regulations, which restrict the ability of a contractor to recruit and hire current employees of the U.S. government and\ndeploy former employees of the U.S.", "c54cfefd-c133-4be2-b1a8-ad40bfb0f8da": "government;\n\u2022\nthe Truthful Cost or Pricing Data Statute (formerly known as the Truth in Negotiations Act), which requires certification and disclosure of cost and pricing data\nin connection with the negotiation of certain contracts, modifications, or task orders;\n\u2022\nthe Procurement Integrity Act, which regulates access to competitor bid and proposal information and certain internal government procurement sensitive\ninformation, and our ability to provide compensation to certain former government procurement officials;\n\u2022\nlaws and regulations restricting the ability of a contractor to provide gifts or gratuities to employees of the U.S. government;\n\u2022\npost-government employment laws and regulations, which restrict the ability of a contractor to recruit and hire current employees of the U.S. government and\ndeploy former employees of the U.S. government;\n\u2022\nlaws, regulations, and executive orders restricting the handling, use, and dissemination of information classified for national security purposes or determined to\nbe \u201ccontrolled unclassified information\u201d or \u201cfor official use only,\u201d and the export of certain products, services, and technical data, including requirements\nregarding any applicable licensing of our employees involved in such work;\n \n13", "879e7023-5b88-4a3a-9a58-9ff5ff5a5984": "Table of Contents\n\u2022\nlaws, regulations, and executive orders, regulating the handling, use, and dissemination of personally identifiable information in the course of performing a U.S.\ngovernment contract;\n\u2022\ninternational trade compliance laws, regulations, and executive orders that prohibit business with certain sanctioned entities and require authorization for certain\nexports or imports in order to protect national security and global stability;\n\u2022\nlaws, regulations, and executive orders governing organizational conflicts of interest that may restrict our ability to compete for certain U.S. government\ncontracts because of the work that we currently perform for the U.S. government or may require that we take measures such as firewalling off certain employees\nor restricting their future work activities due to the current work that they perform under a U.S. government contract;\n\u2022\nlaws, regulations, and executive orders that impose requirements on us to ensure compliance with requirements and protect the government from risks related to\nour supply chain;\n\u2022\nlaws, regulations, and mandatory contract provisions providing protections to employees or subcontractors seeking to report alleged fraud, waste, and abuse\nrelated to a government contract;\n\u2022\nthe Contractor Business Systems rule, which authorizes Department of Defense agencies to withhold a portion of our payments if we are determined to have a\nsignificant deficiency in our accounting, cost estimating, purchasing, earned value management, material management and accounting, and/or property\nmanagement system; and\n\u2022\nthe Cost Accounting Standards and Cost Principles, which impose accounting and allowability requirements that govern our right to reimbursement under\ncertain cost-based U.S. government contracts and require consistency of accounting practices over time.\nGiven the magnitude of our revenue derived from contracts with the Department of Defense, the Defense Contract Audit Agency (\u201cDCAA\u201d) is our cognizant\ngovernment audit agency. The DCAA audits the adequacy of our internal control systems and policies including, among other areas, compensation. The Defense\nContract Management Agency (\u201cDCMA\u201d), as our cognizant government contract management agency, may determine that a portion of our employee compensation is\nunallowable based on the findings and recommendations in the DCAA's audits. In addition, the DCMA directly reviews the adequacy of certain of our business systems,\nsuch as our purchasing system. See \u201cItem 1A. Risk Factors\u2014Legal and Regulatory Risks\u2014Our work with government clients exposes us to additional risks inherent in\nthe government contracting environment, which could reduce our revenue, disrupt our business, or otherwise materially adversely affect our results of operations.\u201d We\nare also subject to audit by Inspectors General of other U.S. government agencies.\nThe U.S. government may revise its procurement practices or adopt new contract rules and regulations at any time. To help ensure compliance with these laws and\nregulations, all of our employees are required to attend ethics training at least annually, and to participate in other compliance training relevant to their position.\nInternationally, we are subject to special U.S. government laws and regulations (such as the Foreign Corrupt Practices Act), local government regulations and\nprocurement policies and practices, including regulations relating to import-export control, investments, exchange controls, and repatriation of earnings, as well as\nvarying currency, political, and economic risks.\nU.S. government contracts are, by their terms, subject to termination by the U.S. government either for its convenience or default by the contractor. In addition,\nU.S. government contracts are conditioned upon the continuing availability of Congressional appropriations. Congress usually appropriates funds for a given program\non a September 30 fiscal year basis, even though contract performance could take many years. As is common in the industry, our Company is subject to business risks,\nincluding changes in governmental appropriations, national defense policies, service modernization plans, and availability of funds. Any of these factors could materially\nadversely affect our Company\u2019s business with the U.S. government in the future.\nThe U.S. government has a broad range of actions that it can instigate to enforce its procurement law and policies. These include proposing a contractor, certain of\nits operations or individual employees for debarment or suspending or debarring a contractor, certain of its operations or individual employees from future government\nbusiness. In addition to criminal, civil, and administrative actions by the U.S. government, under the False Claims Act, an individual alleging fraud related to payments\nunder a U.S. government contract or program may file a qui tam lawsuit on behalf of the government against us; if successful in obtaining a judgment or settlement, the\nindividual filing the suit may receive up to 30% of the amount recovered by the government.\nSee \u201cItem 1A.", "3bf3bb6e-2335-4bca-9050-68e90340607e": "Any of these factors could materially\nadversely affect our Company\u2019s business with the U.S. government in the future.\nThe U.S. government has a broad range of actions that it can instigate to enforce its procurement law and policies. These include proposing a contractor, certain of\nits operations or individual employees for debarment or suspending or debarring a contractor, certain of its operations or individual employees from future government\nbusiness. In addition to criminal, civil, and administrative actions by the U.S. government, under the False Claims Act, an individual alleging fraud related to payments\nunder a U.S. government contract or program may file a qui tam lawsuit on behalf of the government against us; if successful in obtaining a judgment or settlement, the\nindividual filing the suit may receive up to 30% of the amount recovered by the government.\nSee \u201cItem 1A. Risk Factors\u2014Legal and Regulatory Risks\u2014We are required to comply with numerous laws and regulations, some of which are highly complex, and\nour failure to comply could result in fines or civil or criminal penalties or suspension or debarment by the U.S. government that could result in our inability to continue to\nwork on or receive U.S. government contracts, which could materially and adversely affect our results of operations.\u201d\n14", "8874b490-71a0-4bc6-ac37-c4fe9137f75d": "Table of Contents\nAvailable Information\nWe file annual, quarterly, and current reports and other information with the Securities and Exchange Commission (the \u201cSEC\u201d). The SEC maintains a website\n(www.sec.gov) that contains reports, proxy and information statements, and other information regarding registrants that file electronically with the SEC, including us. You\nmay also access, free of charge, our reports filed with the SEC (for example, our Annual Report on Form 10-K, Quarterly Reports on Form 10-Q, and Current Reports on\nForm 8-K, and any amendments to those forms) through the \u201cInvestors\u201d portion of our website (www.boozallen.com). Reports filed with or furnished to the SEC will be\navailable as soon as reasonably practicable after they are filed with or furnished to the SEC. Our website is included in this Annual Report as an inactive textual reference\nonly. The information found on our website is not part of this or any other report filed with or furnished to the SEC.\nItem 1A\n. \nRisk Factors.\nYou should consider and read carefully all of the risks and uncertainties described below, as well as other information included in this Annual Report,\nincluding our consolidated financial statements and related notes. The risks described below are not the only ones facing us. The occurrence of any of the following\nrisks or additional risks and uncertainties not presently known to us or that we currently believe to be immaterial could materially and adversely affect our business,\nfinancial condition, and results of operations. This Annual Report also contains forward-looking statements and estimates that involve risks and uncertainties. Our\nactual results could differ materially from those anticipated in the forward-looking statements as a result of specific factors, including the risks and uncertainties\ndescribed below.\nThis risk factor summary contains a high-level summary of risks associated with our business. It does not contain all of the information that may be important to\nyou, and you should read this risk factor summary together with the more detailed discussion of risks and uncertainties set forth following this summary. A summary of\nour risks includes, but is not limited to, the following:\nIndustry and Economic Risks\n\u2022\nrisks relating to our relationships with the U.S. government;\n\u2022\nchanges in U.S. government spending and mission priorities, including due to uncertainty relating to funding of the U.S. government and increasing the debt\nceiling;\n\u2022\nthe effects of disease outbreaks, pandemics, or widespread health epidemics, including disruptions to our workforce and the impact on government spending\nand demand for our solutions;\n\u2022\nour ability to compete effectively in the competitive bidding and re-competing processes and delays or losses of contract awards caused by competitors\u2019\nprotests of major contract awards received by us;\n\u2022\nthe loss of GSA schedules, or our position as prime contractor on GWACs;\n\u2022\nvariable purchasing patterns under GSA schedules, blanket purchase agreements, and IDIQ contracts;\n\u2022\nchanges in the mix of our contracts and our ability to accurately estimate or otherwise recover expenses, time, and resources for our contracts;\n\u2022\nchanges in estimates used in recognizing revenue;\n\u2022\nour ability to realize the full value of and replenish our backlog, generate revenue under certain of our contracts, and the timing of our receipt of revenue under\ncontracts included in backlog;\n\u2022\nrisks related to inflation that could impact the cost of doing business and/or reduce customer buying power;\n\u2022\nrisks related to the deterioration of economic conditions or weakening in the credit or capital markets;\n\u2022\ninternal system or service failures and security breaches, including, but not limited to, those resulting from external or internal threats, including cyber attacks on\nour network and internal systems;\n\u2022\nrisks related to the use of artificial intelligence, which include potential liability as well as regulatory, competition, reputational and other risks;\n\u2022\nrisks related to the operation of financial management systems;\n\u2022\nour ability to attract, train, or retain employees with the requisite skills and experience and ensure that employees obtain and maintain necessary security\nclearances and effectively manage our cost structure;\n\u2022\nthe loss of members of senior management or failure to develop new leaders;\n\u2022\nmisconduct or other improper activities from our employees, subcontractors, or suppliers, including the improper access, use, or release of our or our clients\u2019\nsensitive or classified information;\n\u2022\nthe impact of increased competition from other companies in our industry;\n\u2022\nfailure to maintain strong relationships with other contractors, or the failure of contractors with which we have entered into a sub- or prime-contractor\nrelationship to meet their obligations to us or our clients;\n15", "b2fe2012-d164-48b3-91a2-9341211b3ea8": "Table of Contents\n\u2022\nrisks related to changes to our operating structure, capabilities, or strategy intended to address client needs, grow our business, or respond to market\ndevelopments; and\n\u2022\nrisks related to completed and future acquisitions, including our ability to realize the expected benefits from such acquisitions.\nLegal and Regulatory Risks\n\u2022\nfailure to comply with numerous laws and regulations, including the FAR, False Claims Act, DFARS, and FAR Cost Accounting Standards and Cost Principles;\n\u2022\nrisks related to our international operations;\n\u2022\nthe adoption by the U.S. government of new laws, rules, and regulations, such as those relating to organizational conflicts of interest issues or limits;\n\u2022\nthe incurrence of additional tax liabilities, including as a result of changes in tax laws or management judgments involving complex tax matters;\n\u2022\ncontinued efforts to change how the U.S. government reimburses compensation related costs and other expenses or otherwise limit such reimbursements and an\nincreased risk of compensation being deemed unreasonable and unallowable or payments being withheld as a result of U.S. government audit, review, or\ninvestigation;\n\u2022\ninherent uncertainties and potential adverse developments in legal or regulatory proceedings;\n\u2022\nthe impact of changes in accounting rules and regulations, or interpretations thereof, that may affect the way we recognize and report our financial results,\nincluding changes in accounting rules governing recognition of revenue; and\n\u2022\nthe impact of ESG-related risks and climate change generally on our and our clients' businesses and operations.\nRisks Related to Our Indebtedness\n\u2022\nthe impact of our substantial indebtedness and our ability to service and refinance such indebtedness; and\n\u2022\nthe restrictions and limitations in the agreements and instruments governing our indebtedness.\nRisks Related to Our Common Stock\n\u2022\nthe volatility of the market price of our Class A common stock;\n\u2022\nthe timing and amount of our dividends, if any; and\n\u2022\nthe impact of fulfilling our obligations incident to being a public company.\nIndustry and Economic Risks\nWe depend on contracts with U.S. government agencies for substantially all of our revenue. If our relationships with such agencies are harmed, our future\nrevenue and operating profits would decline.\nThe U.S. government is our primary client, with revenue from contracts and task orders, either as a prime or a subcontractor, with U.S. government agencies\naccounting for 98% of our revenue for fiscal year 2024. Our belief is that the successful future growth of our business will continue to depend primarily on our ability to\nbe awarded work under U.S. government contracts, as we expect this will be the primary source of substantially all of our revenue in the foreseeable future. For this\nreason, any issue that compromises our relationship with the U.S. government generally or any U.S. government agency that we serve would cause our revenue to\ndecline. Among the key factors in maintaining our relationship with U.S. government agencies is our performance on contracts and task orders, the strength of our\nprofessional reputation, compliance with applicable laws and regulations, and the strength of our relationships with client personnel. In addition, the mishandling or the\nperception of mishandling of sensitive information, such as our failure to maintain the confidentiality of the existence of our business relationships with certain of our\nclients, including as a result of misconduct or other improper activities by our employees, subcontractors, or suppliers, or a failure to maintain adequate protection\nagainst security breaches, including those resulting from cyber attacks, could harm our relationship with U.S. government agencies. See \u201c\u2014Our employees or\nsubcontractors may engage in misconduct or other improper activities, which could harm our ability to conduct business with the U.S. government.\u201d Our relationship\nwith the U.S. government could also be damaged as a result of an agency\u2019s dissatisfaction with work performed by us, a subcontractor, or other third parties who provide\nservices or products for a specific project for any reason, including due to perceived or actual deficiencies in the performance or quality of our work, and we may incur\nadditional costs to address any such situation and the profitability of that work might be impaired. Further, negative publicity concerning government contractors in\ngeneral, or us, regardless of accuracy, may harm our reputation among federal agencies and federal government contractors. Due to the sensitive nature of our work and\nour confidentiality obligations to our customers, we may be unable or limited in our ability to respond to such negative publicity, which could also harm our reputation\nand business. To the extent our reputation or relationships with U.S. government agencies is impaired, our revenue and operating profits could materially decline.\n16", "159023e3-dd42-464f-9134-443b4a9db79c": "Table of Contents\nU.S. government spending levels and mission priorities could change in a manner that adversely affects our future revenue and limits our growth prospects.\nOur business depends upon continued U.S. government expenditures on defense, intelligence, and civil programs for which we provide support. These\nexpenditures have not remained constant over time, have been reduced in certain periods, and have been affected by the U.S. government\u2019s efforts to improve efficiency\nand reduce costs affecting U.S. government programs generally. Our business, prospects, financial condition, or operating results could be materially harmed by, among\nother causes, the following:\n\u2022\nbudgetary constraints, including mandated automatic spending cuts, affecting U.S. government spending generally, or specific agencies in particular, and\nchanges in available funding;\n\u2022\na shift in the permissible federal debt limit;\n\u2022\na shift in expenditures away from agencies or programs that we support;\n\u2022\nreduced U.S. government outsourcing of functions that we are currently contracted to provide, including as a result of increased insourcing by various U.S.\ngovernment agencies due to changes in the definition of \u201cinherently governmental\u201d work, including proposals to limit contractor access to sensitive or classified\ninformation and work assignments;\n\u2022\nchanges or delays in U.S. government programs that we support or related requirements;\n\u2022\nU.S. government shutdowns due to, among other reasons, a failure to fund the government and other potential delays in the appropriations process;\n\u2022\nU.S. government agencies awarding contracts on a technically acceptable/lowest cost basis in order to reduce expenditures;\n\u2022\ndelays in the payment of our invoices by government payment offices;\n\u2022\nan inability by the U.S. government to fund its operations as a result of a failure to increase the U.S. government\u2019s debt ceiling, the exhaustion of \u201cextraordinary\nmeasures\u201d to borrow additional funds without breaching the government\u2019s debt ceiling, a credit downgrade of U.S. government obligations or for any other\nreason; and\n\u2022\nchanges in the political climate and general economic conditions, including political changes from successive presidential administrations, a slowdown of the\neconomy or unstable economic conditions and other conditions, such as emergency spending, that reduce funds available for other government priorities.\nIn addition, any disruption in the functioning of U.S. government agencies, including as a result of U.S. government closures and shutdowns, terrorism, war,\ninternational conflicts (including the ongoing conflict between Russia and Ukraine and the ongoing conflict between Israel and Hamas), natural disasters, public health\ncrises, destruction of U.S. government facilities, and other potential calamities could have a negative impact on our operations and cause us to lose revenue or incur\nadditional costs due to, among other things, our inability to deploy our staff to client locations or facilities as a result of such disruptions.\nThe U.S. government budget deficits, the national debt, and prevailing economic conditions, and actions taken to address them, could negatively affect\nU.S. government expenditures on defense, intelligence, and civil programs for which we provide support. The Department of Defense is one of our significant clients and\ncost cutting, including through consolidation and elimination of duplicative organizations and insourcing, has become a major initiative for the Department of Defense. A\nreduction in the amount of, or delays or cancellations of funding for, services that we are contracted to provide as a result of any of these related initiatives, legislation, or\notherwise could have a material adverse effect on our business and results of operations. In addition, government agencies have reduced management support services\nspending in recent years. If federal awards for management support services continue to decline, our revenue and operating profits may materially decline and could have\na material and adverse effect on our business and results of operations.\nConsiderable uncertainty exists regarding how future budget and program decisions will unfold, including the spending priorities of the U.S. government. In\nJanuary 2025, the U.S. Congress may have to contend with the legal limit on U.S. debt commonly known as the debt ceiling. If the debt ceiling is not raised, the U.S.\ngovernment may not be able to fulfill its funding obligations and there could be significant disruption to all discretionary programs, which would have corresponding\nimpacts on us and our industry.\nIf government funding relating to our contracts with the U.S. government or Department of Defense becomes unavailable, or is reduced or delayed, or planned\norders are reduced, our contract or subcontract under such programs may be terminated or adjusted by the U.S. government or the prime contractor, if applicable. Our\noperating results could also be adversely affected by spending caps or changes in the budgetary priorities of the U.S. government or Department of Defense, as well as\ndelays in program starts or the award of contracts or task orders under contracts.\n17", "e1bc8acc-c33e-4e82-929d-244510231c6a": "Table of Contents\nThese or other factors could cause our defense, intelligence, or civil clients to decrease the number of new contracts awarded generally and fail to award us new\ncontracts, reduce their purchases under our existing contracts, exercise their right to terminate our contracts, or not exercise options to renew our contracts, any of which\ncould cause a material decline in our revenue.\nThe effects of a disease outbreak, pandemic or widespread health epidemic could have a material adverse effect on our business and results of operations.\nDisease outbreaks, pandemics or similar widespread health epidemics and attempts to contain and reduce their spread may adversely affect U.S. and global\neconomies, including impacts to supply chains, customer demand, international trade, and capital markets. These effects may adversely affect certain of our business\noperations and may materially and adversely affect our financial condition, results of operations, cash flows, and equity.\nWe have taken precautionary measures intended to minimize the risk of disease outbreaks, pandemics or similar widespread health epidemics, to our employees, our\nclients, and the communities in which we operate, as well as remedial measures to address residual, lasting issues, including increased medical costs and a rise in mental\nhealth issues, which could negatively impact our business. In addition, some of our employees, clients, and subcontractors are located in foreign countries, which may be\nimpacted differently from the United States depending on their circumstances. Although the Company has business continuity plans and other safeguards in place, there\nis no assurance that such plans and safeguards will be effective or that such measures will not adversely affect our operations or long-term plans. In addition, as local\nconditions and regulations respond to the risks of disease outbreaks, pandemics or similar widespread health epidemics regarding the return of employees to offices\ngenerally, our workforce may not be able to return to work in person immediately, if at all, or may instead choose to pursue competing employment opportunities,\nincluding as a result of transportation, childcare, and ongoing health issues, which could negatively affect our business.\nIn addition, disease outbreaks, pandemics or widespread health epidemics may disrupt the operations of our clients, suppliers, vendors, service providers, and\nsubcontractors, including as a result of travel restrictions, business shutdowns, key material shortages, or lack of access to financial markets, all of which could\nnegatively impact our business and results of operations. Any inability to develop alternative sources of supply on a cost-effective and timely basis could materially\nimpair our ability to provide products, systems, and services to our clients.\nWe derive a majority of our revenue from contracts award\ned through a competitive bidding process, and our revenue and profitability may be adversely\naffected if we are unable to compete or re-compete effectively in the process or if there are delays caused by our competitors protesting major contract awards\nreceived by us.\nWe derive a majority of our revenue from U.S. government contracts awarded through competitive bidding and re-competing processes. We do not expect this to\nchange for the foreseeable future. Our failure to compete effectively in this procurement environment would have a material adverse effect on our revenue and\nprofitability.\nThe competitive bidding and re-competing processes involve risk and significant costs to businesses operating in this environment, including:\n\u2022\nthe necessity to expend resources, make financial commitments (such as procuring leased premises), and bid on engagements in advance of the completion of\ntheir design, which may result in unforeseen difficulties in execution, cost overruns and, in the case of an unsuccessful competition, the loss of committed costs;\n\u2022\nthe substantial cost and managerial time and effort spent to prepare bids and proposals for contracts that may not be awarded to us;\n\u2022\nthe ability to accurately estimate the resources and costs that will be required to service any contract we are awarded;\n\u2022\nthe expense and delay that may arise if our competitors protest or challenge contract awards made to us pursuant to competitive bidding, and the risk that any\nsuch protest or challenge could result in the resubmission of bids on modified specifications, or in termination, reduction, or modification of the awarded\ncontract; and\n\u2022\nany opportunity cost of not bidding and winning other contracts we might have otherwise pursued.\nIn circumstances where contracts are held by other companies and are scheduled to expire, we still may not be provided the opportunity to bid on those contracts if\nthe U.S. government determines to extend the existing contract. If we are unable to win particular contracts that are awarded through the competitive bidding and re-\ncompeting processes, we may not be able to operate in the market for services that are provided under those contracts for the duration of those contracts to the extent\nthat there is no additional demand for such services. An inability to consistently win new contract awards over any extended period would have a material adverse effect\non our business and results of operations.\n18", "26c8070d-b385-4c5f-9188-a4ef86dd52e1": "Table of Contents\nWe have seen our current competitive environment result in an increase in the number of bid protests from unsuccessful bidders on new program awards. It can\ntake many months for the relevant U.S. government agency to resolve protests by one or more of our competitors of contract awards we receive. Bid protests may result\nin significant expense to us, contract modification, or loss of an awarded contract as a result of the award being overturned. Even where we do not lose the awarded\ncontract, the resulting delay in the startup and funding of the work under these contracts may cause our actual results to differ materially and adversely from those\nanticipated.\nA significant majority of our revenue is derived from task orders under indefinite delivery/indefinite quantity, or IDIQ, contract vehicles where we perform in\neither a prime or subcontractor position.\nWe believe that one of the key elements of our success is our position as the holder of 2,650 active task orders under IDIQ contract vehicles as of March 31, 2024.\nIDIQ contracts provide for the issuance by the client of orders for services or products under the contract, and often contain multi-year terms and unfunded ceiling\namounts, which allow but do not commit the U.S. government to purchase products and services from contractors. Our ability to generate revenue under each of these\ntypes of contracts depends upon our ability to be awarded task orders for specific services by the client. IDIQ contracts may be awarded to one contractor (single award)\nor several contractors (multiple award). Multiple contractors must compete under multiple award IDIQ contracts for task orders to provide particular services, and\ncontractors earn revenue only to the extent that they successfully compete for these task orders. A failure to be awarded task orders under such contracts would have a\nmaterial adverse effect on our results of operations and financial condition.\nIn addition, our ability to maintain our existing business and win new business depends on our ability to maintain our prime and subcontractor positions on these\ncontracts. The loss, without replacement, of certain of these contract vehicles could have a material adverse effect on our ability to win new business and our operating\nresults. If the U.S. government elects to use a contract vehicle that we do not hold, we will not be able to compete for work under that contract vehicle as a prime\ncontractor.\nOur earnings and profitability may vary based on the mix of our contracts and may be adversely affected by our failure to accurately estimate or otherwise\nrecover the expenses, time, and resources for our contracts.\nWe enter into three general types of U.S. government contracts for our services: cost-reimbursable, time-and-materials, and fixed-price. Each of these types of\ncontracts, to varying degrees, involves the risk that we could underestimate our cost of fulfilling the contract, which may reduce the profit we earn or lead to a financial\nloss on the contract and adversely affect our operating results.\nUnder cost-reimbursable contracts, we are reimbursed for allowable costs up to a ceiling and paid a fee, which may be fixed or performance-based. If our actual\ncosts exceed the contract ceiling or are not allowable under the terms of the contract or applicable regulations, we may not be able to recover those costs. In particular,\nthere is ongoing focus by the U.S. government on the extent to which government contractors, including us, are able to receive reimbursement for employee\ncompensation, including the adoption of interim rules by federal agencies implementing a section of the Bipartisan Budget Act of 2013, as amended, that substantially\ndecreased the level of allowable compensation cost for executive-level employees and further applied the newly reduced limitation to all employees. In addition, there is\nan increased risk of compensation being deemed unallowable or payments being withheld as a result of U.S. government audit, review, or investigation.\nUnder time-and-materials contracts, we are reimbursed for labor at negotiated hourly billing rates and for certain allowable expenses. We assume financial risk on\ntime-and-materials contracts because our costs of performance may exceed these negotiated hourly rates.\nUnder fixed-price contracts, we perform specific tasks for a predetermined price. Compared to time-and-materials and cost-reimbursable contracts, fixed-price\ncontracts generally offer higher margin opportunities because we receive the benefits of any cost savings, but involve greater financial risk because we bear the impact of\nany cost overruns. The U.S. government has generally indicated that it intends to increase its use of fixed price contract procurements. Because we assume the risk for\ncost overruns and contingent losses on fixed-price contracts, an increase in the percentage of fixed-price contracts in our contract mix would increase our risk of suffering\nlosses.", "4b40e627-4c2e-47ea-971c-ea676dd2ccc5": "government audit, review, or investigation.\nUnder time-and-materials contracts, we are reimbursed for labor at negotiated hourly billing rates and for certain allowable expenses. We assume financial risk on\ntime-and-materials contracts because our costs of performance may exceed these negotiated hourly rates.\nUnder fixed-price contracts, we perform specific tasks for a predetermined price. Compared to time-and-materials and cost-reimbursable contracts, fixed-price\ncontracts generally offer higher margin opportunities because we receive the benefits of any cost savings, but involve greater financial risk because we bear the impact of\nany cost overruns. The U.S. government has generally indicated that it intends to increase its use of fixed price contract procurements. Because we assume the risk for\ncost overruns and contingent losses on fixed-price contracts, an increase in the percentage of fixed-price contracts in our contract mix would increase our risk of suffering\nlosses.\nAdditionally, our profits could be adversely affected if our costs under any such contract exceed the assumptions we used in bidding for the contract. For example,\nwe may miscalculate the costs, resources, or time needed to complete projects or meet contractual milestones as a result of delays on a particular project, including delays\nin designs, engineering information, or materials provided by the customer or a third party, delays or difficulties in equipment and material delivery, schedule changes,\nand other factors, some of which are beyond our control. We record provisions in our consolidated financial statements for losses on our contracts when necessary, as\nrequired under accounting principles generally accepted in the United States, or GAAP, but our contract loss provisions may not be adequate to cover all actual losses\nthat we may incur in the future.\nOur professional reputation and relationships with U.S. government agencies are critical to our business, and any harm to our reputation or relationships\ncould decrease the amount of business the U.S. government does with us, which could have a material adverse effect on our future revenue and growth prospects.\n19", "c3d2a2c7-c619-4395-bede-033876dc6088": "Table of Contents\nWe depend on our contracts with U.S. government agencies for substantially all of our revenue and if our reputation or relationships with these agencies were\nharmed, our future revenue and growth prospects would be materially and adversely affected. Our reputation and relationship with the U.S. government is a key factor in\nmaintaining and growing revenue under contracts with the U.S. government. In addition, a significant portion of our business relates to designing, developing, and\nimplementing advanced defense and technology systems and products, including cybersecurity products and services. Negative press reports regarding poor contract\nperformance, employee misconduct, information security breaches, engagements in or perceived connections to politically or socially sensitive activities, or other aspects\nof our business, or regarding government contractors generally, could harm our reputation. In addition, to the extent our performance under a contract does not meet a\nU.S. government agency\u2019s expectations, the client might seek to terminate the contract prior to its scheduled expiration date, provide a negative assessment of our\nperformance to government-maintained contractor past-performance data repositories, fail to award us additional business under existing contracts or otherwise, and\ndirect future business to our competitors. If our reputation or relationships with these agencies are negatively affected, or if we are suspended or debarred from\ncontracting with government agencies for any reason, such actions would decrease the amount of business that the U.S. government does with us, which would have a\nmaterial adverse effect on our future revenue and growth prospects.\nWe use estimates in recognizing revenue and if we make changes to estimates used in recognizing revenue, our profitability may be adversely affected.\nRevenue from our fixed-price contracts is primarily recognized using the percentage-of-completion method with progress toward completion of a particular contract\nbased on actual costs incurred relative to total estimated costs to be incurred over the life of the contract. Revenue from our cost-reimbursable-plus-award-fee contracts\nare based on our estimation of award fees over the life of the contract. Estimating costs at completion and award fees on our long-term contracts is complex and involves\nsignificant judgment. Adjustments to original estimates are often required as work progresses, experience is gained, and additional information becomes known, even\nthough the scope of the work required under the contract may not change. Any adjustment as a result of a change in estimate is recognized as events become known.\nIn the event updated estimates indicate that we will experience a loss on a contract, we recognize the estimated loss at the time it is determined. Additional\ninformation may subsequently indicate that the loss is more or less than initially recognized, which requires further adjustments in our consolidated financial statements.\nChanges in the underlying assumptions, circumstances, or estimates could result in adjustments that could have a material adverse effect on our future results of\noperations.\nWe may not realize the full value of our backlog, which may result in lower than expected revenue.\nOur backlog does not include contracts that have been awarded but are currently under protest and also does not include any task orders under IDIQ contracts,\nexcept to the extent that task orders have been awarded to us under those contracts. For additional disclosure regarding our backlog, please see \u201cItem 7. Management's\nDiscussion and Analysis of Financial Condition and Results of Operations\u2014Factors and Trends Affecting Our Results of Operations\u2014Sources of Revenue\u2014Contract\nBacklog.\u201d\nWe historically have not realized all of the revenue included in our total backlog, and we may not realize all of the revenue included in our current or future total\nbacklog. There is a higher degree of risk in this regard with respect to unfunded backlog and priced options. In addition, there can be no assurance that our backlog will\nresult in actual revenue in any particular period. This is because the actual receipt, timing, and amount of revenue under contracts included in backlog are subject to\nvarious contingencies, including congressional appropriations, many of which are beyond our control. The actual receipt of revenue from contracts included in backlog\nmay never occur or may be delayed because: a program schedule could change or the program could be canceled; a contract\u2019s funding or scope could be reduced,\nmodified, delayed, de-obligated, or terminated early, including as a result of a lack of appropriated funds or cost cutting initiatives and other efforts to reduce\nU.S. government spending and/or the automatic federal defense spending cuts required by sequestration; in the case of funded backlog, the period of performance for\nthe contract has expired or the U.S. government has exercised its unilateral right to cancel multi-year contracts and related orders or terminate existing contracts for\nconvenience or default; in the case of unfunded backlog, funding may not be available; or, in the case of priced options, our clients may not exercise their options.", "4f2265e0-6ead-4fb5-ba58-421adc750973": "The actual receipt of revenue from contracts included in backlog\nmay never occur or may be delayed because: a program schedule could change or the program could be canceled; a contract\u2019s funding or scope could be reduced,\nmodified, delayed, de-obligated, or terminated early, including as a result of a lack of appropriated funds or cost cutting initiatives and other efforts to reduce\nU.S. government spending and/or the automatic federal defense spending cuts required by sequestration; in the case of funded backlog, the period of performance for\nthe contract has expired or the U.S. government has exercised its unilateral right to cancel multi-year contracts and related orders or terminate existing contracts for\nconvenience or default; in the case of unfunded backlog, funding may not be available; or, in the case of priced options, our clients may not exercise their options. In\naddition, client staff headcount growth is the primary means by which we are able to recognize revenue growth. Any inability to hire additional appropriately qualified\npersonnel or failure to timely and effectively deploy such additional personnel against funded backlog could negatively affect our ability to grow our revenue. We may\nalso not recognize revenue on funded backlog due to, among other reasons, the tardy submissions of invoices by our subcontractors and the expiration of the relevant\nappropriated funding in accordance with a predetermined expiration date such as the end of the U.S. government's fiscal year. The amount of our funded backlog is also\nsubject to change, due to, among other factors: changes in congressional appropriations that reflect changes in U.S. government policies or priorities resulting from\nvarious military, political, economic, or international developments; changes in the use of U.S. government contracting vehicles, and the provisions therein used to\nprocure our services; and adjustments to the scope of services under, or cancellation of contracts, by the U.S. government at any time. Furthermore, even if our backlog\nresults in revenue, the contracts may not be profitable.\n20", "87c6e1c7-a3cb-466e-aa34-c60ba2ffce14": "Table of Contents\nSystems that we develop, integrate, maintain, or otherwise support could experience security breaches which may damage our reputation with our clients and\nhinder future contract win rates.\nWe develop, integrate, maintain, or otherwise support systems and provide services that include managing and protecting information involved in intelligence,\nnational security, and other sensitive government functions. Our systems also store and process sensitive Company and commercial client information, including\npersonally identifiable, health and financial information. The cybersecurity threats we and our clients face have grown more frequent and sophisticated, including but not\nlimited to bad actors looking to augment traditional cyber tools and tradecraft with artificial intelligence capabilities that increase the speed, scale, and intricacy of threats.\nA security breach, including from insider threats, could result in the exfiltration of our or our clients\u2019 data and has the potential to do serious harm to our business,\ndamage our reputation, prevent us from executing further work on sensitive systems for U.S. government or commercial clients, and/or hinder future contract win rates.\nDamage to our reputation or limitations on our eligibility for additional work or any liability resulting from a security breach in one of the systems we develop, install,\nmaintain, or otherwise support could have a material adverse effect on our results of operations.\nCertain services we provide and technologies we develop are designed to detect and monitor threats to our clients and may expose our staff to financial loss or\nphysical or reputational harm.\nWe help our clients detect, monitor and mitigate threats to their people, information, and facilities. These threats may originate from nation states, terrorists or\ncriminal actors, activist hackers or others who seek to harm our clients. Successful attacks on our clients may cause reputational harm to us and our clients, as well as\nliability to our clients or third parties. In addition, if we are associated with our clients in this regard, our staff, systems, information, and facilities may be targeted by a\nsimilar group of threat actors and may be at risk for financial loss, or physical or reputational harm.\nInternal system or service failures, or those of our vendors, including as a result of cyber or other security threats, could disrupt our business and impair our\nability to effectively provide our services to our clients, which could damage our reputation and have a material adverse effect on our business and results of\noperations.\nWe create, implement, integrate, and maintain information technology (\u201cIT\u201d) systems that (a) are often mission critical, (b) regularly involve sensitive information,\n(c) may be deployed within war zones or other hazardous environments, and/or (d) can include information whose confidentiality is protected by law or contr\nact.\nAdditionally, we maintain internal systems housing sensitive employee and confidential company data. As a result, our systems and IT work products are susceptible to\nsystems or service failures resulting from technical complexity, failures of third-party service providers, natural disasters, power shortages, insider threats (including\nimproper access to the Company\u2019s, clients\u2019 or third parties\u2019 information or resources, employee error, or malfeasance), terrorist attacks, physical or electronic security\nbreaches, cyber attacks, computer viruses, or similar events or disruptions. Our systems and IT work product are the target of constantly evolving cyber attack vectors,\nincluding \nmalware, social engineering, denial-of-service attacks, malicious software programs, phishing, account takeovers, and other cyber attacks fueled by emerging\ntechnologies, such as artificial intelligence. We have noticed an increase in the frequency and sophistication of the cyber and security threats these systems face, with\nattacks that are more advanced and persistent, targeting us because, as a defense services contractor, we hold classified, controlled unclassified, and other sensitive\ninformation. As a result, we and our vendors face a heightened risk of a security breach or disruption resulting from an attack by computer hackers, persons with access\nto systems inside our organization, foreign governments, and cyber terrorists.\nWe have put in place policies, controls, and technologies to help detect and protect against such attacks, but we cannot guarantee that future incidents will not\noccur. If an incident occurs, we may not be able to successfully mitigate the impact. We have been the target of these types of attacks in the past, and attempted attacks\nare likely to continue. Due to the ongoing geopolitical conflicts in Europe and the Middle East, and increased tensions in Asia, state-sponsored parties or their\nsupporters may launch retaliatory cyber attacks, and may attempt to conduct other geopolitically motivated retaliatory actions. Those same parties may also attempt to\nfraudulently induce employees or authorized third parties, including contractors, to disclose sensitive information in order to gain access to our systems or data, or that\nof our clients, customers, or service providers.", "defd4c77-ff6d-4638-9595-c0b40fef3e70": "We have put in place policies, controls, and technologies to help detect and protect against such attacks, but we cannot guarantee that future incidents will not\noccur. If an incident occurs, we may not be able to successfully mitigate the impact. We have been the target of these types of attacks in the past, and attempted attacks\nare likely to continue. Due to the ongoing geopolitical conflicts in Europe and the Middle East, and increased tensions in Asia, state-sponsored parties or their\nsupporters may launch retaliatory cyber attacks, and may attempt to conduct other geopolitically motivated retaliatory actions. Those same parties may also attempt to\nfraudulently induce employees or authorized third parties, including contractors, to disclose sensitive information in order to gain access to our systems or data, or that\nof our clients, customers, or service providers. If successful, these types of attacks on our network or other systems or service failures could have a material adverse\neffect on our business and results of operations, due to, among other things, the loss of client or proprietary data, interruptions or delays in our clients' businesses, or\ndamage to our reputation. In addition, the failure or disruption of our systems, communications, vendors, or utilities could cause us to interrupt or suspend our\noperations, which could have a material adverse effect on our business and results of operations. If our employees, contractors, suppliers or other authorized third parties\ndo not adhere (whether inadvertently or intentionally) to appropriate information security protocols, our protocols are inadequate, or our or our clients' sensitive\ninformation is released and/or compromised, we may experience significant negative impacts to our reputation and expose us or our clients to liability. We are not immune\nfrom the possibility of a malicious insider compromising our information systems and infrastructure, including but not limited to insiders exfiltrating the personal data of\nemployees and clients, stealing corporate trade secrets and key financial metrics, and illegally diverting funds. No series of measures can fully safeguard against every\ninsider threat. Refer to \u201cItem 1C. Cybersecurity\u201d for additional information about our cybersecurity risk management program.\n21", "d6f24d52-ab0c-43fa-8ba5-d5506dc82bf8": "Table of Contents\nIf our or our vendors' systems, services, or other applications have significant defects, errors, or vulnerabilities, are successfully attacked by cyber and other\nsecurity threats, suffer delivery delays, or otherwise fail to meet our clients\u2019 expectations, we may:\n\u2022\nlose revenue due to adverse client reaction;\n\u2022\nbe required to provide additional services to a client at no charge;\n\u2022\nincur additional costs related to remediation, monitoring, and enhancing our cybersecurity;\n\u2022\nlose revenue due to the deployment of employees for remediation efforts instead of client assignments;\n\u2022\nreceive negative publicity, which could damage our reputation and credibility of our brand and adversely affect our ability to attract or retain clients or talent;\n\u2022\nbe unable to successfully market services that are reliant on the creation and maintenance of secure information technology systems to U.S. government,\ninternational, and commercial clients;\n\u2022\nsuffer claims by clients, employees, or impacted third parties for substantial damages, particularly as a result of any successful network or systems breach and\nexfiltration of client and/or third-party information; or\n\u2022\nincur significant costs, including fines from government regulators, related to complying with applicable federal or state laws, including laws pertaining to the\nsecurity and protection of personal information.\nIn addition to any costs resulting from contract performance or required corrective action, these failures may result in increased costs or loss of revenue if they\nresult in clients postponing subsequently scheduled work or canceling or failing to renew contracts.\nThe costs related to cyber or other security threats or disruptions may not be fully insured or indemnified by other means. Additionally, some cyber technologies\nand techniques that we utilize or develop may raise potential liabilities related to legal compliance, intellectual property, and civil liberties, including privacy concerns,\nwhich may not be fully insured or indemnified. We may not be able to obtain and maintain insurance coverage on reasonable terms or in sufficient amounts to cover one\nor more large claims, or the insurer may disclaim coverage as to some types of future claims. The successful assertion of any large claim against us could seriously harm\nour business. Even if not successful, these claims could result in significant legal and other costs, may be a distraction to our management, may harm our client\nrelationships, and may adversely affect our ability to attract or retain talent. In certain new business areas, we may not be able to obtain sufficient insurance and may\ndecide not to accept or solicit business in these areas.\nImplementation of and compliance with various data privacy and cybersecurity laws, regulations and standards could require significant investment into\nongoing compliance activities, trigger potential liability, and limit our ability to use personal data.\nAny failure by us, our vendors or other business partners to comply with international, U.S. federal, state or local laws and regulations regarding data privacy or\ncybersecurity could result in regulatory actions or lawsuits against us, legal liability, injunctions, fines, damages or other costs. We may also incur substantial expenses\nin implementing and maintaining complia\nnce with such laws and regulations, including those that require certain types of data to be retained on servers within these\njurisdictions. In addition, enactment or expansion of laws related to the use of artificial intelligence in our operations could increase the cost of doing business, subject us\nto potential liability, regulatory risk or reputational harm. Our failure to comply with applicable laws and regulations may result in privacy claims or enforcement actions\nagainst us, including liabilities, fines and damage to our reputation, any of which may have a material adverse effect on our results of op\nerations.\n22", "8c61171e-33a2-469b-8f98-4c6c23d76e86": "Table of Contents\nFor example, the European Union\u2019s General Data Protection Regulation (the \u201cGDPR\u201d), and the United Kingdom\u2019s GDPR impose compliance obligations on\ncompanies that process personal data of people in the European Union and United Kingdom, \nrespectively. \nCompliance with these laws requires investment into ongoing\ndata protection activities and documentation requirements, and creates the potential for fines and liabilities for noncompliance. In addition, California, Colorado,\nConnecticut, Iowa, Virginia, Utah, and other states have enacted comprehensive privacy laws that restrict the collection, use, and processing of personal information,\nprovide rights to residents of those respective states, and create corresponding compliance obligations and litigation risks. For example, the California Consumer Privacy\nAct (the \u201cCCPA\u201d, as amended by the California Privacy Rights Act, the \u201cCPRA\u201d), the Virginia Consumer Data Protection Act (the \u201cVCDPA\u201d), and the Colorado Privacy\nAct (the \u201cCPA\u201d), provide for consumer rights for residents of those respective states and create corresponding compliance obligations and litigation risks. The impact\nfrom the VCDPA and the CPA to Booz Allen is currently low because most of our personal information is client- or employee-related and therefore not defined as\nconsumer-related. However, the CCPA now covers personal information collected from California residents in the context of recruitment and employment, as well as\nbusiness-to-business arrangements, and therefore imposes additional compliance obligations on Booz Allen with respect to such personal information. These\ncomprehensive state privacy laws, or other emerging U.S. state or global privacy laws, may require additional investment in compliance programs and potential\nmodifications to business processes, and could result in fines, individual claims, and liabilities for certain compliance failures, particularly in the event of a data breach.\nAs other states follow this trend, laws of this nature could be deemed applicable to some aspects of our business. This will impose new compliance obligations and\nrequire additional investment into data protection activities. Any obligations that may be imposed on us under CCPA, CPRA, VCDPA, CPA or similar laws may increase\nour compliance costs and potential liability, particularly in the event of a data breach, and could have a material adverse effe\nct on our business, including how we use\npersonal information or our results of operations.\nThe U.S. Congress is considering federal privacy, cybersecurity and AI legislation that would create requirements similar to or possibly exceeding these\ncomprehensive U.S. state privacy laws on a 50-state basis. Any federal legislation may or may not preempt the comprehensive U.S. state privacy laws, creating the\npossibility of different compliance measures or enforcement risks nationally or on a per-state basis. Any obligations that may be imposed on us under any of the\ncomprehensive U.S. state privacy laws or similar laws may be different from or in addition to those required by the EU GDPR, UK GDPR, and any other applicable\ninternational laws, which may cause additional expense for compliance across jurisdictions. The EU GDPR, UK GDPR, other international laws, and the laws of U.S. states\nalso impose obligations to maintain and implement an information security program that includes administrative, technical, physical, or organizational safeguards, as well\nas obligations to give notice to affected individuals and to certain regulators in the event of a data breach. We may be required to spend significant resources to comply\nwith these information security and data breach legal requirements. A significant data breach (including various forms of external attack, such as ransomware, as well as\ndata incidents resulting from internal actions or omissions) could have negative consequences for our business and future prospects, including possible penalties, fines,\ndamages, reduced customer demand, legal claims against and by clients, personnel, business partners or other persons claiming to be affected, harm to our systems and\noperations and harm to our reputation and brand.\n23", "97bc2f9e-8a63-45ae-a88d-b9e067d87900": "Table of Contents\nIn addition, as a contractor supporting defense and national security clients, we are subject to certain additional regulatory compliance requirements relating to\ndata privacy and cybersecurity. Under DFARS and other federal regulations, our networks and IT systems are required to comply with the security and privacy controls\nin certain National Institute of Standards and Technology Special Publications (\u201cNIST SP\u201d). To the extent that we do not comply with the applicable security and control\nrequirements, unauthorized access or disclosure of sensitive information could result in a contract termination, which could have a material adverse effect on our\nbusiness and financial results and lead to reputational harm. We are also subject to the Department of Defense Cybersecurity Maturity Model Certification (\u201cCMMC\u201d),\nrequirements, which will require all contractors to receive specific third-party certifications relating to specified cybersecurity standards in order to be eligible for contract\nawards. Under \u201cCMMC 1.0\u201d, released in January 2020, there were 5 maturity levels, comprised of 171 requirements and 14 required processes. In March 2021, the\nDepartment of Defense initiated an interim review of CMMC\u2019s implementation, which led to a refinement of the overall program and implementation strategy. In November\n2021, the Department of Defense announced \u201cCMMC 2.0\u201d, which included updated program structure and requirements. These refinements included a reduction in levels\nfrom 5 to 3, which includes the removal of CMMC-unique practices and reliance on the practices set forth in NIST SP 800-171(r2). The Department of Defense announced\nthat CMMC 2.0 will become a contract requirement, likely to appear in contracts within one year of the rule going into effect, and is expected to appear in all defense\ncontracts within two years of the rule going into effect. On December 26, 2023, the Department of Defense published a proposed rule for the CMMC 2.0 program\nrequirements, and may face delays with uncertainties regarding final details and timing of the final requirements. To the extent we are unable to achieve certification in\nadvance of applicable contract awards that specify the requirement, we will be unable to bid on such contract awards or on follow-on awards for existing work with the\nDepartment of Defense, depending on the level of standard as required for each solicitation, which could adversely impact our revenue and profitability. In addition, our\nsubcontractors, and in some cases our vendors, may also be required to adhere to t\nhe CMMC program requirements and potentially to achieve certification. Should our\nsupply chain fail to meet compliance requirements or achieve certification, this may adversely affect our ability to receive award or execute on relevant government\nprograms. In addition, any obligations that may be imposed on us under the CMMC may be different from or in addition to those otherwise required by applicable laws\nand regulations, which may cause additional expense for compliance.\nWe utilize artificial intelligence, which could expose us to risks including potential liability as well as regulatory, competition, reputational and other risks.\nWe utilize artificial intelligence, including generative artificial intelligence, machine learning, and similar tools and technologies that collect, aggregate, analyze, or\ngenerate data or other materials (collectively, \u201cAI\u201d) in connection with our business. The development, deployment and oversight of the use of AI by us, either directly\nor by engaging third-party AI developers, as well as the use of AI by competitors, is expected to require us to invest substantially in AI technology resources and related\ngovernance. There are significant risks involved in using AI and no assurance can be provided that our use of AI will enhance our products or services, produce the\nintended results, or keep pace with the use of AI by our competitors. For example, AI algorithms may produce incomplete, insufficient, biased or otherwise flawed results\nor rely upon biased or inaccurate data, and any of these deficiencies may not be easily detectable despite internal policies and diligence efforts in place to mitigate such\ndeficiencies. The degraded or flawed performance could also result from adversarial attacks that include data poisoning, malware risks, and evasion techniques. If the AI\nthat we use produces deficient, inaccurate, or controversial results, or if public opinion of AI is adversely affected due to actual or perceived risks regarding the usage of\nAI, we could incur operational inefficiencies, competitive harm, legal liability, brand or reputational harm, or other adverse impacts on our business and results of\noperations.", "e7fa1bf3-8b05-4150-a8dc-4c3b3b9a355d": "There are significant risks involved in using AI and no assurance can be provided that our use of AI will enhance our products or services, produce the\nintended results, or keep pace with the use of AI by our competitors. For example, AI algorithms may produce incomplete, insufficient, biased or otherwise flawed results\nor rely upon biased or inaccurate data, and any of these deficiencies may not be easily detectable despite internal policies and diligence efforts in place to mitigate such\ndeficiencies. The degraded or flawed performance could also result from adversarial attacks that include data poisoning, malware risks, and evasion techniques. If the AI\nthat we use produces deficient, inaccurate, or controversial results, or if public opinion of AI is adversely affected due to actual or perceived risks regarding the usage of\nAI, we could incur operational inefficiencies, competitive harm, legal liability, brand or reputational harm, or other adverse impacts on our business and results of\noperations. If we, or the third-party AI developers on which we rely, do not have sufficient rights to use the data or other material relied upon by such AI technologies,\nwe also may incur liability through the alleged violation of applicable laws and regulations, third-party intellectual property, data privacy, or other rights, or contractual\nobligations. Although we conduct diligence on third-party AI developers, we will not be able to control the manner in which third-party AI technologies are developed or\nmaintained.\nLegal and regulatory frameworks related to the use of AI are evolving, including due to the perceived or actual risks of bias, unfair discrimination, transparency,\nand information security. The technologies underlying AI and its uses are subject to a variety of laws and regulations, including intellectual property, data privacy and\nsecurity, consumer protection, competition, and equal opportunity laws, and may be subject to new laws and regulations or new interpretations of existing laws and\nregulations. AI is the subject of ongoing review by various U.S. and foreign governmental and regulatory agencies. For example, in October 2023, the Biden\nAdministration signed an executive order on Safe, Secure, and Trustworthy Artificial Intelligence which charges various Federal agencies to establish standards for AI\nsafety and security. In addition, in March 2024, the EU enacted a new regulation applicable to certain AI technologies and the data used to train, test and deploy them.\nThe enactment or expansion of laws and regulations related to the use of AI in our operations could result in increased compliance costs related to our use of AI.\nFurthermore, it is not possible to predict all the legal, operational or technological risks that may arise relating to the use of AI, any of which may materially and adversely\naffect our business and results of operations.\n24", "563d0f95-e1e1-4de7-b5a5-a0879dc30cbf": "Table of Contents\nThe operation of financial management systems may have an adverse effect on our business and results of operations.\nFrom time to time, we modernize and upgrade our management systems. For example, in fiscal 2022, we launched new financial management systems designed to\nmodernize and enhance our financial systems infrastructure and cost accounting practices through minimizing manual processes, increasing automation, and providing\nenhanced business analytics. Operation of these kinds of new systems requires significant investment of human and financial resources. With the operation of these new\nsystems, we have incurred additional expenses and experienced certain one-time impacts to profitability related to the roll-out and operation of the financial systems. In\naddition, any significant difficulties in the operation could have a material adverse effect on our ability to fulfill and invoice customer orders, apply cash receipts, place\npurchase orders with suppliers, and make cash disbursements, and could negatively impact data processing and electronic communications among business locations,\nwhich may have a material adverse effect on our business, consolidated financial condition, or results of operations. We also face the challenge of supporting our legacy\nsystems and implementing necessary upgrades to those systems to support routine government and financial audits while operating our new systems.\nWe may fail to attract, train, and retain skilled and qualified employees, which may impair our ability to generate revenue, effectively serve our clients, and\nexecute our growth strategy.\nOur business depends in large part upon our ability to attract and retain sufficient numbers of highly qualified individuals who may have advanced degrees and/or\nappropriate security clearances. We compete for such qualified personnel with other U.S. government contractors, the U.S. government, and private industry, and such\ncompetition is intense. Personnel with the requisite skills, qualifications, or security clearance may be in short supply or generally unavailable. The government and\nindustry have recognized that the current process for obtaining security clearances is time-consuming, sometimes taking years to complete, and can present a risk to\ncustomer mission. See \u201c\u2014We may fail to obtain and maintain necessary security clearances which may adversely affect our ability to perform on certain contracts.\n\u201d\nOur ability to attract and retain skilled and qualified employees may also be impacted by our engagements in, or perceived connections to, politically or socially\nsensitive activities. In addition, our ability to recruit, hire, and internally deploy former employees of the U.S. government is subject to complex laws and regulations,\nwhich may serve as an impediment to our ability to attract such former employees, and failure to comply with these laws and regulations may expose us and our\nemployees to civil or criminal penalties. Additionally, our ability to attract, hire, and retain skilled and qualified employees may be impacted by disease outbreaks,\npandemics, or widespread health epidemics.\nAdverse labor and economic market conditions and intense competition for skilled personnel may inhibit our ability to recruit new employees, including any\nnecessary actions in response to any disease outbreaks, pandemics, or widespread health epidemics. If we are unable to recruit and retain a sufficient number of qualified\nemployees, or cannot obtain their appropriate security clearances in \na timely manner, or fail to deploy such employees, our ability to maintain and grow our business and\nto effectively serve our clients could be limited and our future revenue and results of operations could be materially and adversely affected. Furthermore, to the extent\nthat we are unable to make necessary permanent hires to appropriately serve our clients, we could be required to engage larger numbers of contracted personnel, which\ncould reduce our profit margins.\nIf we are able to attract sufficient numbers of qualified new hires, training and retention costs may place significant demands on our resources. In addition, to the\nextent we experience attrition in our employee ranks, we may realize only a limited or no return on such invested resources, and we would have to expend additional\nresources to hire and train replacement employees. The loss of key personnel could also impair our ability to perform required services under some of our contracts and to\nretain such contracts, as well as our ability to win new business.\nWe may fail to obtain and maintain necessary security clearances which may adversely affect our ability to perform on certain contracts.\nMany U.S. government programs require contractor employees and facilities to have security clearances. Depending on the level of required clearance, security\nclearances can be difficult and time-consuming to obtain. If we or our employees are unable to obtain or retain necessary security clearances in a timely manner, we may\nnot be able to win new business, and our existing clients could terminate their contracts with us or decide not to renew them.", "e4276872-000d-4fcf-8a26-77916cbe86c0": "In addition, to the\nextent we experience attrition in our employee ranks, we may realize only a limited or no return on such invested resources, and we would have to expend additional\nresources to hire and train replacement employees. The loss of key personnel could also impair our ability to perform required services under some of our contracts and to\nretain such contracts, as well as our ability to win new business.\nWe may fail to obtain and maintain necessary security clearances which may adversely affect our ability to perform on certain contracts.\nMany U.S. government programs require contractor employees and facilities to have security clearances. Depending on the level of required clearance, security\nclearances can be difficult and time-consuming to obtain. If we or our employees are unable to obtain or retain necessary security clearances in a timely manner, we may\nnot be able to win new business, and our existing clients could terminate their contracts with us or decide not to renew them. To the extent we are not able to obtain and\nmaintain facility security clearances or engage employees with the required security clearances for a particular contract, we may not be able to bid on or win new\ncontracts, effectively rebid on expiring contracts, or retain existing contracts, which may adversely affect our operating results and inhibit the execution of our growth\nstrategy.\nOur profitability could suffer if we are not able to timely and effectively utilize our employees or manage our cost structure.\nThe cost of providing our services, including the degree to which our employees are utilized, affects our profitability. The degree to which we are able to utilize our\nemployees in a timely manner or at all is affected by a number of factors, including:\n\u2022\nour ability to transition employees from completed projects to new assignments and to hire, assimilate, and deploy new employees;\n25", "a566a888-6df6-4bad-b1a8-a8b78f824501": "Table of Contents\n\u2022\nour ability to forecast demand for our services and to maintain and deploy headcount that is aligned with demand, including employees with the right mix of\nskills and experience to support our projects;\n\u2022\nour employees\u2019 inability to obtain or retain necessary security clearances;\n\u2022\nour ability to manage attrition; and\n\u2022\nour need to devote time and resources to training, business development, and other non-chargeable activities.\nIf our employees are under-utilized, our profit margin and profitability could suffer. Additionally, if our employees are over-utilized, it could have a material adverse\neffect on employee engagement and attrition, which would in turn have a material adverse impact on our business.\nOur profitability is also affected by the extent to which we are able to effectively manage our overall cost structure for operating expenses, such as wages and\nbenefits, overhead and capital, and other investment-related expenditures. If we are unable to effectively manage our costs and expenses and achieve efficiencies, our\ncompetitiveness and profitability may be a\ndversely affected.\nGlobal inflationary pressures have increased the prices of goods and services, which could raise the costs associated with providing our services, diminish our\nability to compete for new contracts or task orders, and/or reduce customer buying power.\nFor a variety of reasons, including geopolitical factors, the global economy in which we operate has faced, and may continue to face, heightened inflationary\npressure, impacting the cost of doing business (in both supply and labor markets). These inflationary pressures have been and could continue to be exacerbated by\ngeopolitical turmoil and economic policy actions, and the duration of such pressures is uncertain. We generate revenue through various fixed price and multi-year\ngovernment contracts, our primary customer being the U.S. government, which has traditionally been viewed as less affected by inflationary pressures. However, our\napproach to include modest annual price escalations in our bids for multi-year work may be insufficient to counter inflationary cost pressures, which may result in\nsignificant cost overruns on each contract. This could result in reduced profits, or even losses, as inflation increases, particularly for fixed priced contracts, and our\nlonger-term multi-year contracts as contractual prices become less favorable to us over time. In the competitive environment in which we operate as a government\ncontractor, the lack of pricing leverage and power to renegotiate long-term, multi-year contracts, coupled with reduced customer buying power as a result of inflation,\ncould reduce our profits, disrupt our business, or otherwise materially adversely affect our results of operations.\nDeterioration of economic conditions or weakening in credit or capital markets may have a material adverse effect on our business, results of operations and\nfinancial condition.\nVolatile, negative, or uncertain economic conditions, an increase in the likelihood of a recession, or concerns about these or other similar risks may negatively\nimpact our clients\u2019 ability and willingness to fund their projects. For example, declines in state and local tax revenues as well as other economic declines may result in\nlower state and local government spending. Our clients reducing, postponing or cancelling spending on projects in respect of which we provide services may reduce\ndemand for our services quickly and with little warning, which could have a material adverse effect on our business, results of operations and financial condition.\nMoreover, instability in the credit or capital markets in the U.S., including as a result of failures of financial institutions and any related market-wide reduction in\nliquidity, or concerns or rumors about events of these kinds or similar risks, could affect the availability of credit, making it relatively difficult or expensive to obtain\nadditional capital at competitive rates, on commercially reasonable terms or in sufficient amounts, or at all, thus making it more difficult or expensive for us to access funds\nor refinance our existing indebtedness, or obtain financing for acquisitions. Such instability could also cause counterparties, including vendors, suppliers and\nsubcontractors, to be unable to perform their obligations, or to breach their obligations, to us under our contracts with them. In addition, instability in the credit or capital\nmarkets could negatively impact our clients\u2019 ability to fund their project and, therefore, utilize our services, which could have a material adverse effect on our business,\nresults of operations and financial condition.\nWe may lose one or more members of our senior management team or fail to develop new leaders, which could cause the disruption of the management of our\nbusiness.\nWe believe that the future success of our business and our ability to operate profitably depends on the continued contributions of the members of our senior\nmanagement and the continued development of new members of senior management. We rely on our senior management to generate business and execute programs\nsuccessfully.", "00eb5ab1-3f17-4d42-abc5-a567b088214c": "Such instability could also cause counterparties, including vendors, suppliers and\nsubcontractors, to be unable to perform their obligations, or to breach their obligations, to us under our contracts with them. In addition, instability in the credit or capital\nmarkets could negatively impact our clients\u2019 ability to fund their project and, therefore, utilize our services, which could have a material adverse effect on our business,\nresults of operations and financial condition.\nWe may lose one or more members of our senior management team or fail to develop new leaders, which could cause the disruption of the management of our\nbusiness.\nWe believe that the future success of our business and our ability to operate profitably depends on the continued contributions of the members of our senior\nmanagement and the continued development of new members of senior management. We rely on our senior management to generate business and execute programs\nsuccessfully. In addition, the relationships and reputation that many members of our senior management team have established and maintain with our clients are\nimportant to our business and our ability to identify new business opportunities. The loss of any member of our senior management or our failure to continue to develop\nnew members could impair our ability to identify and secure new contracts, to maintain good client relations, and to otherwise manage our business.\n26", "9b7571e7-28d7-4311-a1bd-468b15821b54": "Table of Contents\nOur employees or subcontractors may engage in misconduct or other improper activities, which could harm our ability to conduct business with the U.S.\ngovernment.\nWe are exposed to the risk that fraud or other misconduct by employees, subcontractors, suppliers or other third parties with which we do business could occur.\nMisconduct by employees, subcontractors or suppliers could include intentional or unintentional failures to comply with U.S. government procurement regulations,\nengaging in other unauthorized activities, misusing authorized access, or falsifying time records. Misconduct could also involve the improper use of our clients\u2019 sensitive\nor classified information, or the inadvertent or intentional disclosure of our or our clients' sensitive information in violation of our contractual, statutory, or regulatory\nobligations. It is not always possible to deter employee, subcontractor, or supplier misconduct, and the precautions we take to prevent and detect this activity may not be\neffective in controlling unknown or unmanaged risks or losses, which could materially harm our business. As a result of such misconduct, our employees could lose their\nsecurity clearances and we could face fines and civil or criminal penalties, loss of facility clearance accreditation, and suspension, proposed debarment or debarment from\nbidding for or performing under contracts with the U.S. government, as well as reputational harm, which would materially and adversely affect our results of operations\nand financial condition.\nWe face intense competition from many competitors, which could cause us to lose business, lower prices and suffer employee departures.\nOur business operates in a highly competitive industry, and we generally compete with a wide variety of U.S. government contractors, including large defense\ncontractors, diversified service providers, and small businesses. We also face competition from entrants into our markets including companies divested by large prime\ncontractors in response to increasing scrutiny of organizational conflicts of interest issues. There is also a significant industry trend towards consolidation, which may\nresult in the emergence of companies that are better able to compete against us. Some of these companies possess greater financial resources and larger technical staffs,\nand others have smaller and more specialized staffs. These competitors could, among other things:\n\u2022\nmake acquisitions of businesses, or establish teaming or other agreements among themselves or third parties, that allow them to offer more competitive and\ncomprehensive solutions;\n\u2022\ndivert sales from us by winning very large-scale government contracts, a risk that is enhanced by the recent trend in government procurement practices to\nbundle services into larger contracts;\n\u2022\nforce us to charge lower prices in order to win or maintain contracts;\n\u2022\nseek to hire our employees; or\n\u2022\nadversely affect our relationships with current clients, including our ability to continue to win competitively awarded engagements where we are the incumbent.\nIf we lose business to our competitors or are forced to lower our prices or suffer employee departures, our revenue and our operating profits could decline. In\naddition, we may face competition from our subcontractors who, from time to time, seek to obtain prime contractor status on contracts for which they currently serve as a\nsubcontractor to us. If our current subcontractors are awarded prime contractor status on such contracts in the future, it could divert sales from us and could force us to\ncharge lower prices, which could have a material adverse effect on our revenue and profitability.\nOur failure to maintain strong relationships with other contractors, or the failure of contractors with which we have entered into a sub- or prime-contractor\nrelationship to meet their obligations to us or our clients, could have a material adverse effect on our business and results of operations.\nMaintaining strong relationships with other U.S. government contractors, who may also be our competitors, is important to our business and our failure to do so\ncould have a material adverse effect on our business, prospects, financial condition, and operating results. To the extent that we fail to maintain good relations with our\nsubcontractors or other prime contractors due to either perceived or actual performance failures or other conduct, or increased regulatory scrutiny or regulations\ngoverning information sharing and related practices, they may refuse to hire us as a subcontractor in the future or to work with us as our subcontractor. In addition, other\ncontractors may choose not to use us as a subcontractor or choose not to perform work for us as a subcontractor for any number of additional reasons, including\nbecause they choose to establish relationships with our competitors or because they choose to directly offer services that compete with our business.\n27", "b7ae2377-4869-47cb-a155-e8ccde4ca260": "Table of Contents\nAs a prime contractor, we often rely on other companies to perform some of the work under a contract, and we expect to continue to depend on relationships with\nother contractors for portions of our delivery of services and revenue in the foreseeable future. If our subcontractors fail to perform their contractual obligations, our\noperating results and future growth prospects could be impaired. There is a risk that we may have disputes with our subcontractors arising from, among other things, the\nquality and timeliness of work performed by the subcontractor, client concerns about the subcontractor, our failure to extend existing task orders or issue new task orders\nunder a subcontract, or our hiring of a subcontractor\u2019s personnel. In addition, if any of our subcontractors fail to deliver the agreed-upon supplies or perform the agreed-\nupon services on a timely basis, our ability to fulfill our obligations as a prime contractor may be jeopardized. Material losses could arise in future periods and\nsubcontractor performance deficiencies could result in a client terminating a contract for default. A termination for default could expose us to liability and have an adverse\neffect on our ability to compete for future contracts and orders.\nAs a subcontractor, we often lack control over fulfillment of a contract, and poor performance on the contract could tarnish our reputation, even when we perform\nas required, and could cause other contractors to choose not to hire us as a subcontractor in the future. If the U.S. government terminates or reduces other prime\ncontractors\u2019 programs or does not award them new contracts, subcontracting opportunities available to us could decrease, which would have a material adverse effect on\nour financial condition and results of operations. In addition, as a subcontractor, we may be unable to collect payments owed to us by the prime contractor, even if we\nhave performed our obligations under the contract, as a result of, among other things, the prime contractor\u2019s inability to fulfill the contract. Due to certain common\nprovisions in subcontracts in certain countries, we could also experience delays in receiving payment if the prime contractor experiences payment delays, which could\nhave an adverse effect on our financial condition and results of operations.\nA delay in the completion of the U.S. government\u2019s budget process, including as a result of a failure to raise the debt ceiling, could result in a reduction in our\nbacklog and have a material adverse effect on our revenue and operating results.\nTo the extent the U.S. Congress is unable to approve the annual federal budget or raise the debt ceiling on a timely basis, and enacts a continuing resolution,\nfunding for new projects may not be available and funding on contracts we are already performing may be delayed. If Congressional efforts to approve such funding fail,\nand Congress is unable to craft a long-term agreement on the U.S. government\u2019s ability to incur indebtedness in excess of its current limits, the U.S. government may not\nbe able to fulfill its current funding obligations and there could be significant disruption to all discretionary programs, which would have corresponding impacts on us\nand our industry. Any such delays would likely result in new business initiatives being delayed or canceled and a reduction in our backlog, and could have a material\nadverse effect on our revenue and operating results.\nIn addition, a failure to complete the budget process and fund government operations pursuant to a continuing resolution may result in a U.S. government\nshutdown, which could result in us incurring substantial costs without reimbursement under our contracts. The delay or cancellation of key programs or the delay of\ncontract payments may have a material adverse effect on our revenue and operating results. In addition, when supplemental appropriations are required to operate the\nU.S. government or fund specific programs and the passage of legislation needed to approve any supplemental appropriation bill is delayed, the overall funding\nenvironment for our business could be adversely affected.\nWe face certain significant risk exposures and potential liabilities that may not be adequately covered by indemnity or insurance.\nA significant portion of our business relates to designing, developing, and implementing advanced defense and technology systems and products, including\ncybersecurity products and services. New technologies may be untested or unproven, and insurance may not be available. We maintain insurance policies that mitigate\nagainst risk and potential liabilities related to our operations, including data breaches. This insurance is maintained in amounts that we believe are reasonable. However,\nour insurance coverage may not be adequate to cover those claims or liabilities, and we may be forced to bear significant costs from an accident or incident. The amount\nof the insurance coverage we maintain or indemnification to which we may be contractually or otherwise entitled may not be adequate to cover all claims or liabilities.\nAccordingly, we may be forced to bear substantial costs resulting from risks and uncertainties of our business which would negatively impact our results of operations,\nfinancial condition, or liquidity.\n28", "4869d1c5-9d78-4066-a60d-741969040198": "Table of Contents\nFailure to adequately protect, maintain, or enforce our rights in our intellectual property may adversely limit our competitive position.\nWe rely upon a combination of nondisclosure agreements, licenses, and other contractual arrangements, as well as employment, copyright, trademark, patent, and\ntrade secret laws to protect our proprietary information. We also enter into proprietary information and intellectual property agreements with employees, which require\nthem to disclose any inventions created prior to and during employment. Inventions created during employment require inventors to convey such rights to inventions to\nus, and to restrict any disclosure of proprietary information. Trade secrets are generally difficult to protect. Although our employees are subject to confidentiality\nobligations, this protection may be inadequate to deter or prevent misappropriation of our confidential information and/or the infringement of our trade secrets,\ntrademarks, patents, and copyrights. Further, we may be unable to detect unauthorized use of our intellectual property or otherwise take appropriate steps to enforce our\nrights. Failure to adequately protect, maintain, or enforce our intellectual property rights may adversely limit our competitive position. We will also need to continue to\nrespond to and anticipate changes resulting from disruptive technologies, including from AI. If we are not successful in protecting and preserving our intellectual\nproperty rights and licenses, including trade secrets, or in staying ahead of developing AI technologies and strategically incorporating them into our business, our\nbusiness and financial performance could be materially and adversely affected.\nAssertions by third parties of infringement, misappropriation or other violations by us of their intellectual property rights could result in significant costs and\nsubstantially harm our business and operating results.\nIn recent years, there has been significant litigation involving intellectual property rights in technology industries. We may face from time to time, allegations that\nwe or a supplier or customer have violated the rights of third parties, including patent, copyright, trademark, trade secret, and other intellectual property rights. If, with\nrespect to any claim against us for violation of third-party intellectual property rights, we are unable to prevail in the litigation or retain or obtain sufficient rights or\ndevelop non-infringing intellectual property or otherwise alter our business practices on a timely or cost-efficient basis, our business and competitive position may be\nadversely affected.\nAny infringement, misappropriation, or related claims, whether or not meritorious, are time consuming, divert technical and management personnel, and are costly\nto resolve. As a result of any such dispute, we may have to develop non-infringing technology, pay damages, enter into royalty or licensing agreements, cease utilizing\ncertain products or services, or take other actions to resolve the claims. These actions, if required, may be costly or unavailable on terms acceptable to us.\nOur focus on new growth areas for our business entails risks, including those associated with new relationships, clients, talent needs, capabilities, service\nofferings, and maintaining our collaborative culture and core values.\nWe are focused on growing our presence in our addressable markets by: expanding our relationships with existing clients, developing new clients by leveraging\nour core competencies, further developing our existing capabilities and service offerings, creating new capabilities and service offerings to address our clients' emerging\nneeds, and undertaking business development efforts focused on identifying near-term developments and long-term trends that may pose significant challenges for our\nclients. These efforts entail inherent risks associated with innovation and competition from other participants in those areas, potential failure to help our clients respond\nto the challenges they face, our ability to comply with uncertain evolving legal standards applicable to certain service offerings, including those in the cybersecurity area,\nand, with respect to potential international growth, risks associated with operating in foreign jurisdictions, such as compliance with applicable foreign and U.S. laws and\nregulations that may impose different and, occasionally, conflicting or contradictory requirements, and the economic, legal, and political conditions in the foreign\njurisdictions in which we operate, including the GDPR. See \u201c\u2014Implementation of and compliance with various data privacy and cybersecurity laws, regulations and\nstandards could require significant investment into ongoing compliance activities, trigger potential liability, and limit our ability to use personal data.\n\u201d\n As we attempt to\ndevelop new relationships, clients, capabilities, and service offerings, these efforts could harm our results of operations due to, among other things, a diversion of our\nfocus and resources and actual costs, opportunity costs of pursuing these opportunities in lieu of others and a failure to reach a profitable return on our investments in\nnew technologies, capabilities, and businesses, including expenses on research and development investments, and these efforts could ultimately be unsuccessful.\nThe needs of our customers change and evolve regularly due to complex and rapidly changing technologies.", "e8274997-31b4-4907-ae8f-13b674e38c0a": "laws and\nregulations that may impose different and, occasionally, conflicting or contradictory requirements, and the economic, legal, and political conditions in the foreign\njurisdictions in which we operate, including the GDPR. See \u201c\u2014Implementation of and compliance with various data privacy and cybersecurity laws, regulations and\nstandards could require significant investment into ongoing compliance activities, trigger potential liability, and limit our ability to use personal data.\n\u201d\n As we attempt to\ndevelop new relationships, clients, capabilities, and service offerings, these efforts could harm our results of operations due to, among other things, a diversion of our\nfocus and resources and actual costs, opportunity costs of pursuing these opportunities in lieu of others and a failure to reach a profitable return on our investments in\nnew technologies, capabilities, and businesses, including expenses on research and development investments, and these efforts could ultimately be unsuccessful.\nThe needs of our customers change and evolve regularly due to complex and rapidly changing technologies. Our success depends upon our ability to identify\nemerging technological trends; develop technologically advanced, innovative, and cost-effective products and services; and market these products and services to our\ncustomers. Our success also depends on our continued access to suppliers of important technologies and components. T\nhe possibility exists that our competitors might\ndevelop new capabilities or service offerings that might cause our existing capabilities and service offerings to become obsolete. If we fail in our new capabilities\ndevelopment efforts or our capabilities or services fail to achieve market acceptance more rapidly than our competitors, our ability to procure new contracts could be\nnegatively impacted, which would negatively impact our results of operations and financial condition.\n29", "5a27c2b3-7c9a-4d28-b5f8-a7407bdbf650": "Table of Contents\nOur ability to grow our business by leveraging our operating model to efficiently and effectively deploy our people across our client base is also largely dependent\non our ability to maintain our collaborative culture. To the extent that we are unable to maintain our culture for any reason, including our effort to focus on new growth\nareas or acquire new businesses with different corporate cultures, we may be unable to grow our business. Any such failure could have a material adverse effect on our\nbusiness and results of operations.\nIn addition, with the growth of our U.S. and international operations, we are providing client services and undertaking business development efforts in numerous\nand disparate geographic locations both domestically and internationally. Our ability to effectively serve our clients is dependent upon our ability to successfully\nleverage our operating model across all of these and any future locations, maintain effective management controls over all of our locations to ensure, among other things,\ncompliance with applicable laws, rules and regulations, and instill our core values in all of our personnel at each of these and any future locations. Any inability to ensure\nany of the foregoing could have a material adverse effect on our business and results of operations.\nChanges to our operating structure, capabilities, or strategy intended to address our clients\u2019 needs, respond to developments in our markets, and grow our\nbusiness may not be successful.\nWe routinely review our operating structure, capabilities and strategy to determine whether we are effectively meeting the needs of clients, effectively responding\nto developments in our markets and successfully building platforms intended to provide the foundation to support the future growth of our business. The outcome of\nany such review is difficult to predict and the extent of changes to our business following such a review, if any, are dependent in part upon the nature and extent of the\nreview.\nThe implementation of changes to our operating structure, capabilities, strategy or any other aspect of our business following an internal review, may materially\nalter various aspects of our business or our business model as an entirety and there can be no assurance that any such changes will be successful or that they will not\nultimately have a negative effect on our business and results of operations.\nMany of our contracts with the U.S. government are classified or subject to other security restrictions, which may limit insight into portions of our business.\nWe derive a substantial portion of our revenue from contracts with the U.S. government that are classified or subject to security restrictions that preclude the\ndissemination of certain information. In general, access to classified information, technology, facilities, or programs requires appropriate personnel security clearances, is\nsubject to additional contract oversight and potential liability, and may also require appropriate facility clearances and other specialized infrastructure. A significant\nnumber of our employees have security clearances which preclude them from providing information regarding certain clients and services provided to such clients to\nother employees (or members of our board of directors) without security clearances and investors. Because we are limited in our ability to provide information about these\ncontracts and services, the various risks associated with these contracts or services or any dispute or claims relating to such contracts or services, important information\nconcerning our business may not be available, which may limit insight into a substantial portion of our business and reduce the ability to fully evaluate the risks related\nto that portion of our business.\nIf we cannot collect our receivables or if payment is delayed, our business may be adversely affected by our inability to generate cash flow, provide working\ncapital, or continue our business operations.\nWe depend on the timely collection of our receivables to generate cash flow, provide working capital, and continue our business operations. If the U.S. or any\nother government or any prime contractor for whom we are a subcontractor fails to pay or delays the payment of invoices for any reason, our business and financial\ncondition may be materially and adversely affected. The U.S. or any other government may delay or fail to pay invoices for a number of reasons, including lack of\nappropriated funds, lack of an approved budget, lack of revised or final settled billing rates as a result of open audit years or as a result of audit findings by government\nregulatory agencies. Some prime contractors for whom we are a subcontractor have significantly fewer financial resources than we do, which may increase the risk that we\nmay not be paid in full or that payment may be delayed.\nWe may consummate acquisitions, investments, joint ventures and divestitures, which involve numerous risks and uncertainties.\nAs part of our operating strategy, we continually monitor U.S. government spending and budgetary priorities to align our investments in new capabilities to drive\norganic growth, and selectively pursue acquisitions, investments, partnerships, and joint ventures that broaden our domain expertise and service offerings, and/or\nestablish relationships with new customers.", "518015b4-0817-47bb-ba2f-5f87e7daf7b9": "The U.S. or any other government may delay or fail to pay invoices for a number of reasons, including lack of\nappropriated funds, lack of an approved budget, lack of revised or final settled billing rates as a result of open audit years or as a result of audit findings by government\nregulatory agencies. Some prime contractors for whom we are a subcontractor have significantly fewer financial resources than we do, which may increase the risk that we\nmay not be paid in full or that payment may be delayed.\nWe may consummate acquisitions, investments, joint ventures and divestitures, which involve numerous risks and uncertainties.\nAs part of our operating strategy, we continually monitor U.S. government spending and budgetary priorities to align our investments in new capabilities to drive\norganic growth, and selectively pursue acquisitions, investments, partnerships, and joint ventures that broaden our domain expertise and service offerings, and/or\nestablish relationships with new customers. These transactions pose many risks, including:\n\u2022\nwe may not be able to identify suitable acquisition and investment candidates at prices we consider attractive;\n\u2022\nas a result of continued uncertainties in economic conditions, acquisition and investment candidates may choose to delay entering into acquisition or\ninvestment transactions;\n30", "400b7c0d-d253-4b24-9234-c6ae55caf6e3": "Table of Contents\n\u2022\nwe may not be able to compete successfully for identified acquisition and investment candidates, complete acquisitions and investments on intended terms and\ntimeline (including, without limitation, by failing to obtain required regulatory or other approvals or the benefit of safe harbors in a timely manner, or required\nfinancing on acceptable terms), or accurately estimate the financial effect of acquisitions and investments on our business;\n\u2022\nas a result of increased scrutiny by antitrust authorities and anticipated changes to mandatory filing requirements, we may announce acquisition or investment\ntransactions that require significant time and resources to complete, are challenged by such authorities or are ultimately not completed due to a failure to obtain\nantitrust or other related regulatory approvals;\n\u2022\nfuture acquisitions and investments may require us to issue common stock or spend significant cash, resulting in dilution of ownership or additional debt\nleverage;\n\u2022\nwe may have difficulty retaining an acquired company\u2019s key employees or clients;\n\u2022\nwe may have difficulty integrating personnel from the acquired company with our people, our culture of integrity, and our core values;\n\u2022\nwe may have difficulty integrating acquired businesses and investments, resulting in diminished strategic value of a potential transaction and unforeseen\ndifficulties, such as incompatible accounting, information management, or other control systems, and greater expenses than expected;\n\u2022\nacquisitions and investments may disrupt our business or distract our management from other responsibilities;\n\u2022\nas a result of an acquisition or investment, we may incur additional debt and we may need to record write-downs from future impairments of intangible assets,\neach of which could reduce our future reported earnings; and\n\u2022\nwe may not be able to effectively influence the operations of our joint ventures or partnerships, or we may be exposed to certain liabilities if our partners do not\nfulfill their obligations.\nIn connection with any acquisition or investment that we make, there may be liabilities that we fail to discover or that we inadequately assess, and we may fail to\ndiscover any failure of a target company to have fulfilled its contractual obligations to the U.S. government or other clients. Acquired entities and investments may not\noperate profitably or result in improved operating performance. Additionally, we may not realize anticipated synergies, business growth opportunities, cost savings, and\nother benefits, which could have a material adverse effect on our business and results of operations.\nIn addition, we may divest businesses, including businesses that are no longer a part of our ongoing strategic plan. These divestitures similarly require significant\ninvestment of time and resources, may disrupt our business, distract management from other responsibilities and may result in losses on disposal or continued financial\ninvolvement in the divested business, including through indemnification, guarantees or other financial arrangements, which could adversely affect our financial results.\nIn addition, we may be unable to complete strategic divestitures on satisfactory terms and conditions, including non-competition arrangements, within expected time\nframes or due to a failure of a prospective purchaser to obtain financing or a failure to obtain antitrust or other related regulatory approvals.\nGoodwill represents a significant asset on our balance sheet, and changes in future business conditions could cause these investments to become impaired,\nrequiring substantial write-downs that would reduce our operating income.\nAs of March 31, 2024, the value of our goodwill was $2.3 billion. The amount of our recorded goodwill may substantially increase in the future as a result of any\nacquisitions that we make. We evaluate the recoverability of recorded goodwill amounts annually, or when evidence of potential impairment exists. Impairment analysis is\nbased on several factors requiring judgment and the use of estimates, which are inherently uncertain and based on assumptions that may prove to be inaccurate.\nAdditionally, material changes in our financial outlook, as well as events outside of our control, such as deteriorating market conditions for companies in our industry,\nmay indicate a potential impairment. When there is an impairment, we are required to write down the recorded amount of goodwill, which is reflected as a charge against\noperating income. Such non-cash impairment charges could have a material adverse effect on our results of operations in the period in which they are recognized.\nLegal and Regulatory Risks\nWe are required to comply with numerous laws and regulations, some of which are highly complex, and our failure to comply could result in fines or civil or\ncriminal penalties or suspension or debarment by the U.S. government that could result in our inability to continue to work on or receive U.S. government contracts,\nwhich could materially and adversely affect our results of operations.\nAs a U.S. government contractor, we must comply with laws and regulations relating to the formation, administration, and performance of U.S. government\ncontracts, which affect how we do business with our clients.", "7a6a1904-fd00-419b-bf33-f5b9be7fdf9d": "When there is an impairment, we are required to write down the recorded amount of goodwill, which is reflected as a charge against\noperating income. Such non-cash impairment charges could have a material adverse effect on our results of operations in the period in which they are recognized.\nLegal and Regulatory Risks\nWe are required to comply with numerous laws and regulations, some of which are highly complex, and our failure to comply could result in fines or civil or\ncriminal penalties or suspension or debarment by the U.S. government that could result in our inability to continue to work on or receive U.S. government contracts,\nwhich could materially and adversely affect our results of operations.\nAs a U.S. government contractor, we must comply with laws and regulations relating to the formation, administration, and performance of U.S. government\ncontracts, which affect how we do business with our clients. Such laws and regulations may potentially impose added costs on our business and our failure to comply\nwith them may lead to civil or criminal penalties, termination of our U.S. government contracts, and/or suspension or debarment from contracting with federal agencies.\nSome significant laws and regulations that affect us include:\n31", "2ad5e908-fe40-4aaa-b729-77fd53d1e271": "Table of Contents\n\u2022\nthe FAR, and agency regulations supplemental to the FAR, which regulate the formation, administration, and performance of U.S. government contracts. For\nexample, the FAR 52.203-13 requires contractors to establish a Code of Business Ethics and Conduct, implement a comprehensive internal control system, and\nreport to the government when the contractor has credible evidence that a principal, employee, agent, or subcontractor, in connection with a government\ncontract, has violated certain federal criminal laws, violated the civil False Claims Act, or has received a significant overpayment;\n\u2022\nthe False Claims Act, which imposes civil and criminal liability for violations, including substantial monetary penalties, for, among other things, presenting false\nor fraudulent claims for payments or approval;\n\u2022\nthe False Statements Act, which imposes civil and criminal liability for making false statements to the U.S. government;\n\u2022\nthe Truthful Cost or Pricing Data Statute (formerly known as the Truth in Negotiations Act), which requires certification and disclosure of cost and pricing data\nin connection with the negotiation of certain contracts, modifications, or task orders;\n\u2022\nthe Procurement Integrity Act, which regulates access to competitor bid and proposal information and certain internal government procurement sensitive\ninformation, and our ability to provide compensation to certain former government procurement officials;\n\u2022\nlaws and regulations restricting the ability of a contractor to provide gifts or gratuities to employees of the U.S. government;\n\u2022\npost-government employment laws and regulations, which restrict the ability of a contractor to recruit and hire current employees of the U.S. government and\ndeploy former employees of the U.S. government;\n\u2022\nlaws, regulations, contract requirements and executive orders, including those related to cybersecurity, restricting the handling, use and dissemination of\ninformation classified for national security purposes or determined to be \u201ccontrolled unclassified information\u201d or \u201cfor official use only\u201d and the export of certain\nproducts, services, and technical data, including requirements regarding any applicable licensing of our employees involved in such work;\n\u2022\nlaws, regulations, and executive orders regulating the handling, use, and dissemination of personally identifiable information in the course of performing a U.S.\ngovernment contract;\n\u2022\ninternational trade compliance laws, regulations and executive orders that prohibit business with certain sanctioned entities and require authorization for certain\nexports or imports in order to protect national security and global stability;\n\u2022\nlaws, regulations, and executive orders governing organizational conflicts of interest that may restrict our ability to compete for certain U.S. government\ncontracts because of the work that we currently perform for the U.S. government or may require that we take measures such as firewalling off certain employees\nor restricting their future work activities due to the current work that they perform under a U.S. government contract;\n\u2022\nlaws, regulations and executive orders that impose requirements on us to ensure compliance with requirements and protect the government from risks related to\nour supply chain;\n\u2022\nlaws, regulations and mandatory contract provisions providing protections to employees or subcontractors seeking to report alleged fraud, waste, and abuse\nrelated to a government contract;\n\u2022\nthe Contractor Business Systems rule, which authorizes Department of Defense agencies to withhold a portion of our payments if we are determined to have a\nsignificant deficiency in our accounting, cost estimating, purchasing, earned value management, material management and accounting, and/or property\nmanagement system; and\n\u2022\nthe FAR Cost Accounting Standards and Cost Principles, which impose accounting and allowability requirements that govern our right to reimbursement under\ncertain cost-based U.S. government contracts and require consistency of accounting practices over time.\nIn addition, the U.S. government, U.S. states and other jurisdictions in which we do business adopt new laws, rules, and regulations from time to time that could\nhave a material impact on our results of operations. Adverse developments in legal or regulatory proceedings on matters relating to, among other things, cost accounting\npractices and compliance, contract interpretations and statutes of limitations, could also result in materially adverse judgments, settlements, withheld payments, penalties,\nor other unfavorable outcomes.\n32", "8332a091-b51a-448d-bc57-703eeef23df3": "Table of Contents\nOur performance under our U.S. government contracts and our compliance with the terms of those contracts and applicable laws and regulations are subject to\nperiodic audit, review, and investigation by various agencies of the U.S. government and the current environment has led to increased regulatory scrutiny and sanctions\nfor non-compliance by such agencies generally. In addition, from time to time we report potential or actual violations of applicable laws and regulations to the relevant\ngovernmental authority. Any such report of a potential or actual violation of applicable laws or regulations could lead to an audit, review, or investigation by the relevant\nagencies of the U.S. government. If such an audit, review, or investigation uncovers a violation of a law or regulation, or improper or illegal activities relating to our\nU.S. government contracts, we may be subject to civil or criminal penalties or administrative sanctions, including the termination of contracts, forfeiture of profits,\ntriggering of price reduction clauses, withholding or suspension of payments, fines and suspension, or debarment from contracting with U.S. government agencies. Such\npenalties and sanctions are not uncommon in the industry and there is inherent uncertainty as to the outcome of any particular audit, review, or investigation. If we incur\na material penalty or administrative sanction or otherwise suffer harm to our reputation, our profitability, cash position, and future prospects could be materially and\nadversely affected.\nFurther, if the U.S. government were to initiate suspension or debarment proceedings against us or if we are indicted for or convicted of illegal activities relating to\nour U.S. government contracts following an audit, review, or investigation, we may lose our ability to be awarded contracts in the future or receive renewals of existing\ncontracts for a period of time which could materially and adversely affect our results of operations or financial condition. We could also suffer harm to our reputation if\nallegations of impropriety were made against us, which would impair our ability to win awards of contracts in the future or receive renewals of existing contracts. See\n\u201cItem 1. Business \u2014 Regulation.\u201d\nAdverse judgments or settlements in legal disputes could result in materially adverse monetary damages or injunctive relief and damage our reputation.\nWe are subject to, and may become a party to, a variety of litigation or other claims and suits that arise from time to time in the ordinary course of our business. For\nexample, our performance under U.S. government contracts and compliance with the terms of those contracts and applicable laws and regulations are subject to\ncontinuous audit, review, and investigation by the U.S. government which may include such investigative techniques as subpoenas or civil investigative demands. Given\nthe nature of our business, these audits, reviews, and investigations may focus, among other areas, on various aspects of procurement integrity, labor time reporting,\nsensitive and/or classified information access and control, executive compensation, and post government employment restrictions. In addition, from time to time, we are\nalso involved in legal proceedings and investigations arising in the ordinary course of business, including those relating to employment matters (such as matters\ninvolving alleged violations of civil rights, wage and hour, and worker\u2019s compensation laws), relationships with clients and contractors, intellectual property disputes,\nand other business matters. Any such claims, proceedings or investigations may be time-consuming, costly, divert management resources, or otherwise have a material\nadverse effect on our result of operations.\nThe results of litigation and other legal proceedings, including the other claims described under \u201cItem 3. Legal Proceedings,\u201d are inherently uncertain and adverse\njudgments or settlements in some or all of these legal disputes may result in materially adverse monetary damages or injunctive relief against us. Any claims or litigation,\neven if fully indemnified or insured, could damage our reputation and make it more difficult to compete effectively or obtain adequate insurance coverage in the future.\nThe litigation and other legal proceedings described under \u201cItem 3. Legal Proceedings\u201d are subject to future \ndevelopments and management\u2019s view of these matters may\nchange in the future.\nWe cannot predict the consequences of future geopolitical events, but they may adversely affect the markets in which we operate and our results of operations.\nOngoing instability and current conflicts in global markets, including in Eastern Europe, the Middle East and Asia, and the potential for other conflicts and future\nterrorist activities and other recent geopolitical events throughout the world, including the ongoing conflict between Russia and Ukraine, the ongoing conflict between\nIsrael and Hamas, and increased tensions in Asia, have created and may continue to create economic and political uncertainties and impacts that could have a material\nadverse effect on our business, operations and profitability.", "9bb4b825-23d1-46d8-a95e-dfb47bf4fbab": "Any claims or litigation,\neven if fully indemnified or insured, could damage our reputation and make it more difficult to compete effectively or obtain adequate insurance coverage in the future.\nThe litigation and other legal proceedings described under \u201cItem 3. Legal Proceedings\u201d are subject to future \ndevelopments and management\u2019s view of these matters may\nchange in the future.\nWe cannot predict the consequences of future geopolitical events, but they may adversely affect the markets in which we operate and our results of operations.\nOngoing instability and current conflicts in global markets, including in Eastern Europe, the Middle East and Asia, and the potential for other conflicts and future\nterrorist activities and other recent geopolitical events throughout the world, including the ongoing conflict between Russia and Ukraine, the ongoing conflict between\nIsrael and Hamas, and increased tensions in Asia, have created and may continue to create economic and political uncertainties and impacts that could have a material\nadverse effect on our business, operations and profitability. These types of matters cause uncertainty in financial markets and may significantly increase the political,\neconomic and social instability in the geographic areas in which we operate.\nIn addition, in connection with the current status of international relations with Russia, particularly in light of the conflict between Russia and Ukraine, the U.S.\ngovernment has imposed enhanced export controls on certain products and sanctions on certain industry sectors and parties in Russia. The governments of other\njurisdictions in which we operate, such as the European Union and Canada, may also implement sanctions or other restrictive measures. These potential sanctions and\nexport controls, as well as any responses from Russia, could adversely affect the Company and/or our supply chain, business partners, or customers.\nWe are subject to risks associated with operating internationally.\nOur business operations are subject to a variety of risks associated with conducting business internationally, including:\n\u2022\nChanges in or interpretations of laws or policies that may adversely affect the performance of our services;\n33", "e4071855-bcad-4f3d-a5bf-562db87021cb": "Table of Contents\n\u2022\nPolitical instability in foreign countries and international security concerns, such as those relating to the geopolitical conflict, including the ongoing conflict\nbetween Russia and Ukraine, the ongoing conflict between Israel and Hamas, and increased tensions in Asia, and potential actions or retaliatory measures taken\nin respect thereof;\n\u2022\nImposition of inconsistent or conflicting laws or regulations;\n\u2022\nReliance on the U.S. or other governments to authorize us to export products, technology, and services to clients and other business partners;\n\u2022\nReliance on foreign countries for critical parts in order to meet our technical delivery requirements;\n\u2022\nConducting business in places where laws, business practices, and customs are unfamiliar or unknown;\n\u2022\nFailure to comply with U.S. government and foreign laws and regulations applicable to international business, sanctions, employment, privacy, data protection,\ninformation security, or data transfer could have an adverse impact on our business with the U.S. government and could expose us to risks and costs of non-\ncompliance with such laws and regulations, in addition to administrative, civil, or criminal penalties;\n\u2022\nFailure by third parties that we work with, including suppliers, subcontractors, and vendors, to comply with U.S. government and foreign laws and regulations\napplicable to international business, sanctions, employment, privacy, data protection, information security, or data transfer could expose Booz Allen to risks and\ncosts of non-compliance with such laws and regulations, in addition to administrative, civil, or criminal penalties;\n\u2022\nU.S. and foreign government import and export control requirements and regulations, including International Traffic in Arms Regulations and the anti-boycott\nprovisions of the U.S. Export Administration Act, technology transfer restrictions and other administrative, legislative, or regulatory actions that could materially\ninterfere with our ability to offer our products or services in certain countries;\n\u2022\nImposition of limitations on or increase of withholding and other taxes on payments by foreign subsidiaries or joint ventures;\n\u2022\nChanges in state and federal regulations in state money transmission regulations, anti-money laundering regulations, economic and trade sanctions administered\nby the U.S. Treasury Department's Office of Foreign Asset Control;\n\u2022\nVolatility resulting from the United Kingdom's withdrawal from the European Union in January 2020, particularly in countries where the Company has substantial\nactivities; and\n\u2022\nImposition of tariffs or embargoes, export controls, and other trade restrictions.\nIn addition, we are subject to the U.S. Foreign Corrupt Practices Act (the \u201cFCPA\u201d) and other laws that prohibit improper payments or offers of payments to foreign\ngovernment officials, political parties and commercial entities for the purpose of obtaining or retaining business. We have operations and deal with governmental clients\nand regulators in countries known to create heightened corruption risk, including certain developing countries. Our activities in these countries create the risk of\nunauthorized payments or offers of payments by one of our employees or third parties that we work with that could implicate Booz Allen for violations of various laws\nincluding the FCPA and other anti-corruption laws, even though these parties are not always subject to our control. Likewise, we are impacted by the recent passage of\nthe U.S. Foreign Extortion Prevention Act (the \u201cFEPA\u201d) that criminalizes a foreign government official\u2019s solicitation of improper payments from U.S. companies or\nindividuals in exchange for conferring an improper advantage. While this law targets improper demands by foreign officials and, therefore, does not directly impact our\nemployees or third parties that we work with, it may increase enforcement of the FCPA other applicable anti-corruption laws and amplify exposure for U.S. companies. Our\ninternational operations also involve activities involving the transmittal of information, which may include personal data, which may expose us to data privacy laws in the\njurisdictions in which we operate. If our data protection practices become subject to new or different restrictions, and to the extent such practices are not compliant with\nthe laws of the countries in which we process data, we could face increased compliance expenses and face penalties for violating such laws or be excluded from those\nmarkets altogether, in which case our operations could be adversely affected. We are also subject to import-export control regulations restricting the use and\ndissemination of information classified for national security purposes and the export of certain products, services, and technical data, including requirements regarding\nany applicable licensing of our employees involved in such work. We are also subject to applicable sanctions laws, regulations, embargoes, or restrictive measures\nintended to prevent unauthorized transactions with prohibited persons, entities, and countries, including, those administered and enforced by the U.S.", "1c744c02-1233-4fb9-8e31-ee6baa342622": "If our data protection practices become subject to new or different restrictions, and to the extent such practices are not compliant with\nthe laws of the countries in which we process data, we could face increased compliance expenses and face penalties for violating such laws or be excluded from those\nmarkets altogether, in which case our operations could be adversely affected. We are also subject to import-export control regulations restricting the use and\ndissemination of information classified for national security purposes and the export of certain products, services, and technical data, including requirements regarding\nany applicable licensing of our employees involved in such work. We are also subject to applicable sanctions laws, regulations, embargoes, or restrictive measures\nintended to prevent unauthorized transactions with prohibited persons, entities, and countries, including, those administered and enforced by the U.S. Department of\nTreasury\u2019s Office of Foreign Assets Control (\u201cOFAC\u201d), the Office of Financial Sanctions Implementation (\u201cOFSI\u201d) in the UK, and the competent authorities responsible\nfor the administration and enforcement of Sanctions in individual EU Member States.\nIf we were to fail to comply with the FCPA, other applicable anti-corruption laws, import-export control regulations, sanctions, data privacy laws, or other rules and\nregulations, we could be subject to substantial civil and criminal penal\nties, including fines for our Company and incarceration for responsible employees and managers,\nsuspension or debarment, and the possible loss of export or import privileges which could have a material adverse effect on our business and results of operations.\n34", "68aee4bc-d799-4edd-a9e6-7dfbd387517b": "Table of Contents\nEfforts by the U.S. government to revise its organizational conflict of interest rules could limit our ability to successfully compete for new contracts or task\norders, which would adversely affect our results of operations.\nEfforts by the U.S. government to reform its procurement practices have focused on, among other areas, the separation of certain types of work to facilitate\nobjectivity and avoid or mitigate organizational conflicts of interest and the strengthening of regulations governing organizational conflicts of interest. Organizational\nconflicts of interest may arise from circumstances in which a contractor has:\n\u2022\nimpaired objectivity during performance;\n\u2022\nunfair access to non-public information; or\n\u2022\nthe ability to set the \u201cground rules\u201d for another procurement for which the contractor competes.\nA focus on organizational conflicts of interest issues has resulted in legislation and a proposed regulation aimed at increasing organizational conflicts of interest\nrequirements, including, among other things, separating sellers of products and providers of advisory services in major defense acquisition programs. The passage of a\nnew federal law in December 2022 requires the FAR council within eighteen months to provide and update definitions of each of the above types of conflicts of interest\nand provide illustrative examples of various relationships that contractors could have that would give rise to potential conflicts of interest. The passage of this legislation\ncomes as this topic continues to garner increased scrutiny of such alleged conflicts among federal contractors. The resulting rule making process, as well as continuing\nreform initiatives in procurement practices may however result in future amendments to the FAR, increasing the restrictions in current organizational conflicts of interest\nregulations and rules. Similarly, organizational conflicts of interest remain an active area of bid protest litigation, increasing the likelihood that competitors may leverage\nsuch arguments in an attempt to overturn agency award decisions. To the extent that proposed and future organizational conflicts of interest laws, regulations, and rules\nor interpretations thereof limit our ability to successfully compete for new contracts or task orders with the U.S. government, either because of organizational conflicts of\ninterest issues arising from our business, or because companies with which we are affiliated, or with which we otherwise conduct business, create organizational conflicts\nof interest issues for us, our results of oper\nations could be materially and adversely affected.\nChanges in tax law or judgments by management related to complex tax matters could adversely impact our results of operations.\nWe are subject to taxation in the U.S. and certain other foreign jurisdictions. Any future changes in applicable federal, state and local, or foreign tax laws and\nregulations or their interpretation or application, including those that could have a \nretroactive effect, could result in the Company incurring additional tax liabilities in the\nfuture. In particular, effective starting in fiscal year 2023, the Tax Cuts and Jobs Act requires the capitalization of research and development costs for tax purposes, which\ncan then be amortized over five or fifteen years. We generally expect to amortize these costs over five years. While the most significant impact of this provision was to\ncash tax liability for fiscal year 2023, the tax year in which the provision took effect, the impact is expected to decline annually over the five-year amortization period to an\nimmaterial amount in the sixth year. The actual impact will depend on a number of factors, including the amount of research and development costs incurred by the\nCompany, whether Congress modifies or repeals the provision requiring such capitalization, and whether new guidance and interpretive rules are issued by the U.S.\nTreasury, among other factors. For additional information, see \u201cItem 7. Management's Discussion and Analysis of Financial Condition and Results of Operations\u201d.\nAdditionally, we recognize liabilities for uncertainty in income taxes when it is more likely than not that a tax position will not be sustained on examination and\nsettlement with various taxing authorities. We regularly assess the adequacy of our uncertain tax positions and other reserves, which requires a significant amount of\njudgment. Although we accrue for uncertain tax positions and other reserves, the results of regulatory audits and negotiations with taxing and customs authorities may\nbe in excess of our accruals, resulting in the payment of additional taxes, duties, penalties and interest. As a result, any final determination of tax audits or related\nlitigation may be materially different than our current provisional amounts, which could materially affect our tax obligations and effective tax rate. For example, during\nfiscal year 2024, we recorded additional uncertain tax positions of approximately\n $15.1 million re\nlated to research and development credits that we have claimed, or will\nsoon claim.", "037e4090-b984-4465-9e48-e64b13b6d813": "Additionally, we recognize liabilities for uncertainty in income taxes when it is more likely than not that a tax position will not be sustained on examination and\nsettlement with various taxing authorities. We regularly assess the adequacy of our uncertain tax positions and other reserves, which requires a significant amount of\njudgment. Although we accrue for uncertain tax positions and other reserves, the results of regulatory audits and negotiations with taxing and customs authorities may\nbe in excess of our accruals, resulting in the payment of additional taxes, duties, penalties and interest. As a result, any final determination of tax audits or related\nlitigation may be materially different than our current provisional amounts, which could materially affect our tax obligations and effective tax rate. For example, during\nfiscal year 2024, we recorded additional uncertain tax positions of approximately\n $15.1 million re\nlated to research and development credits that we have claimed, or will\nsoon claim. Any increase to the liability we established as of March 31, 2024 for these uncertain tax positions as a result of audits by taxing authorities, changes in tax\nlaws and regulations or otherwise relating to this, or any other, tax matter could have a material effect on our results of operations. For a description of our related\naccounting policies, refer to Note 2, \u201cSummary of Significant Accounting Policies,\u201d and Note 13, \u201cIncome Taxes,\u201d to the consolidated financial statements.\nOur U.S. government contracts may be terminated by the government at any time and may contain other provisions permitting the government to discontinue\ncontract performance, and if lost contracts are not replaced, our operating results may differ materially and adversely from those anticipated.\nU.S. government contracts contain provisions and are subject to laws and regulations that provide government clients with rights and remedies not typically found\nin commercial contracts. These rights and remedies allow government clients, among other things, to:\n35", "5093bb50-53ac-4bea-b454-ad2bc2db4f8e": "Table of Contents\n\u2022\nterminate existing contracts, with short notice, for convenience as well as for default;\n\u2022\nreduce orders under or otherwise modify contracts;\n\u2022\nfor contracts subject to the Truthful Cost or Pricing Data Statute, reduce the contract price or cost where it was increased because a contractor or subcontractor\nfurnished cost or pricing data during negotiations that was not complete, accurate or current;\n\u2022\nfor some contracts, (i) demand a refund, make a forward price adjustment, or terminate a contract for default if a contractor provided inaccurate or incomplete data\nduring the contract negotiation process and (ii) reduce the contract price under certain triggering circumstances, including the revision of price lists or other\ndocuments upon which the contract award was predicated;\n\u2022\nterminate our facility security clearances and thereby prevent us from receiving classified contracts;\n\u2022\ncancel multi-year contracts and related orders if funds for contract performance for any subsequent year become unavailable;\n\u2022\ndecline to exercise an option to renew a multi-year contract or issue task orders in connection with IDIQ contracts;\n\u2022\nclaim rights in solutions, systems, and technology produced by us, appropriate such work-product for their continued use without continuing to contract for our\nservices and disclose such work-product to third parties, including other U.S. government agencies and our competitors, which could harm our competitive\nposition;\n\u2022\nprohibit future procurement awards with a particular agency due to a finding of organizational conflicts of interest based upon prior related work performed for\nthe agency that would give a contractor an unfair advantage over competing contractors, or the existence of conflicting roles that might bias a contractor\u2019s\njudgment;\n\u2022\nsubject the award of contracts to protest by competitors, which may require the contracting federal agency or department to suspend our performance pending\nthe outcome of the protest and may also result in a requirement to resubmit offers for the contract or in the termination, reduction, or modification of the awarded\ncontract;\n\u2022\nsuspend or debar us from doing business with the U.S. government; and\n\u2022\ncontrol or prohibit the export of our services.\nRecent and potential future budget cuts and recent efforts to decrease federal awards for management support services may cause agencies with which we\ncurrently have contracts to terminate, reduce the number of task orders under or fail to renew such contracts. If a U.S. government client were to unexpectedly terminate,\ncancel, or decline to exercise an option to renew with respect to one or more of our significant contracts, or suspend or debar us from doing business with the\nU.S. government, our revenue and operating results would be materially harmed.\n36", "7373095e-1bd8-4e06-8feb-edf7fae54a60": "Table of Contents\nOur work with government clients exposes us to additional risks inherent in the government contracting environment, which could reduce our revenue, disrupt\nour business, or otherwise materially adversely affect our results of operations.\nU.S. government contractors (including their subcontractors and others with whom they do business) operate in a highly regulated environment and are routinely\naudited and reviewed by the U.S. government and its agencies, including the DCAA, DCMA, Department of Defense Inspector General, and others. These agencies\nreview our performance on contracts, pricing practices, cost accounting practices, and compliance with applicable policies, laws, regulations, and standards, including\napplicable government cost accounting standards, as well as our contract costs, including allocated indirect costs. The DCAA audits and the DCMA reviews, among\nother areas, the adequacy of our internal control systems and policies, including our DFARS required business systems, which are comprised of our purchasing,\nproperty, estimating, earned value, accounting and material management and accounting systems. These internal control systems could focus on significant elements of\ncosts, such as executive compensation. Determination of a significant internal control deficiency by a government agency could result in increased payment withholding\nthat might adversely affect our cash flow. In particular, over time the DCMA has increased and may continue to increase the proportion of executive compensation that it\ndeems unallowable and the size of the executive population whose compensation is disallowed, which will continue to materially and adversely affect our results of\noperations or financial condition including the requirement to carry an increased level of reserves. We recognize as revenue, net of reserves, executive compensation that\nwe determine, based on management's estimates, to be allowable; management's estimates in this regard are based on a number of factors that may change over time,\nincluding executive compensation survey data, our and other government contractors' experiences with the DCAA audit practices in our industry, and relevant decisions\nof courts and boards of contract appeals. Any costs found to be unallowable under a contract will not be reimbursed, and any such costs already reimbursed must be\nrefunded. Further, the amount of any such refund may exceed the provision for claimed indirect costs, which is based on management's estimates and assumptions that\nare inherently uncertain and may not cover actual losses. For example, DCAA audits may result in, and have historically resulted in, the Company's inability to retain\ncertain claimed indirect costs, including executive and employee compensation, due to differing views of the allowability and reasonableness of such costs. As of March\n31, 2024, years subsequent to the Company's fiscal year 2011 remained subject to audit and/or final resolution. As of March 31, 2024, the Company recognized a liabili\nty\nof $363.7 million for estimated adjustments to claimed indirect costs based on its historical DCAA audit results, including the final resolution\n of such audits with the\nDCMA. Determining the provision for claimed indirect costs is complex and subject to management's estimate of adjustments to claimed indirect costs based on the\nnumber of years that remain open to audit and expected final resolution by U.S. government agencies. As a result, significant changes in estimates could have a material\neffect on the Company's results of operations. Furthermore, the disallowance of any costs previously charged could directly and negatively affect our current results of\noperations for the relevant prior fiscal periods, and we could be required to repay any such disallowed amounts. Each of these results could materially and adversely\naffect our results of operations or financial condition.\nMoreover, if any of the administrative processes and business systems, some of which are currently certified as effective, are found not to comply with government\nimposed requirements, we may be subjected to increased government scrutiny and approval that could delay or otherwise adversely affect our ability to compete for or\nperform contracts or to be paid timely. Unfavorable U.S. government audit, review, or investigation results could subject us to civil or criminal penalties or administrative\nsanctions, require us to retroactively and prospectively adjust previously agreed to billing or pricing rates for our work, and could harm our reputation and relationships\nwith our clients and impair our ability to be awarded new contracts, which could affect our future sales and profitability by preventing us, by operation of law or in\npractice, from receiving new government contracts for some period of time. In addition, if our invoicing system were found to be inadequate following an audit by the\nDCAA, our ability to directly invoice U.S. government payment offices could be eliminated.", "5053a58c-dae0-48a6-904c-46b7ca9f2745": "Unfavorable U.S. government audit, review, or investigation results could subject us to civil or criminal penalties or administrative\nsanctions, require us to retroactively and prospectively adjust previously agreed to billing or pricing rates for our work, and could harm our reputation and relationships\nwith our clients and impair our ability to be awarded new contracts, which could affect our future sales and profitability by preventing us, by operation of law or in\npractice, from receiving new government contracts for some period of time. In addition, if our invoicing system were found to be inadequate following an audit by the\nDCAA, our ability to directly invoice U.S. government payment offices could be eliminated. As a result, we would be required to submit each invoice to the DCAA for\napproval prior to payment, which could materially increase our accounts receivable days sales outstanding and adversely affect our cash flow. In addition, proposed\nregulatory changes, if adopted, would require the Department of Defense\u2019s contracting officers to impose contractual withholding at no less than certain minimum levels\nbased on assessments of a contractor\u2019s business systems. If a government investigation uncovers improper or illegal activities, we may be subject to civil and criminal\npenalties and administrative sanctions, including termination of contracts, forfeitures of profits, withholding of payments, suspension of payments, fines, and suspension\nor debarment from doing business with the U.S. government. We could also suffer serious reputational harm if allegations of impropriety were made against us.\nIn addition, operation of our financial management systems and certain changes to our cost accounting practices that we have adopted may negatively impact our\nprofitability. In particular, the changes to our cost accounting practices required us to estimate changes in costs for certain contracts and make payments in connection\nwith such estimates. The changes are subject to audit by the DCAA and negotiation with the DCMA, which could result in additional payments that may be material and\nnot recoverable. To the extent we are unable to fully mitigate the costs associated with changes to our cost accounting practices as we implement the new systems, our\nbusiness and financial results may be adversely affected.\n37", "88539b82-01f8-4238-a9d3-bc7615a9af9c": "Table of Contents\nThe U.S. government may revise its procurement, contract, or other practices in a manner adverse to us.\nThe U.S. government may:\n\u2022\nrevise its procurement practices or adopt new contract laws, rules, and regulations, such as cost accounting standards, organizational conflicts of interest, and\nother rules governing inherently governmental functions at any time;\n\u2022\nreduce, delay, or cancel procurement programs resulting from U.S. government efforts to improve procurement practices and efficiency;\n\u2022\nlimit the creation of new government-wide or agency-specific multiple award contracts;\n\u2022\nface restrictions or pressure from government employees and their unions regarding the amount of services the U.S. government may obtain from private\ncontractors;\n\u2022\naward contracts on a technically acceptable/lowest cost basis in order to reduce expenditures, and we may not be the lowest cost provider of services;\n\u2022\nadopt new socio-economic requirements, including setting aside procurement opportunities to small, disadvantaged businesses;\n\u2022\nchange the basis upon which it reimburses our compensation and other expenses or otherwise limits such reimbursements; and\n\u2022\nat its option, terminate or decline to renew our contracts.\nIn addition, any new contracting methods could be costly or administratively difficult for us to implement and could adversely affect our future revenue and profit\nmargin. In addition, changes to the procurement system could cause delays in the procurement decision-making process. Any such changes to the U.S. government\u2019s\nprocurement practices or the adoption of new contracting rules or practices could impair our ability to obtain new or re-compete contracts and any such changes or\nincreased associated costs could materially and adversely affect our results of operations.\nThe U.S. government may prefer minority-owned, small and small disadvantaged businesses; therefore, we may have fewer opportunities to bid for.\nAs a result of the Small Business Administration set-aside program, the U.S. government may decide to restrict certain procurements only to bidders that qualify as\nminority-owned, small, or small disadvantaged businesses. As a result, we would not be eligible to perform as a prime contractor on those programs and would be\nrestricted to a maximum of 49% of the work as a subcontractor on those programs. An increase in the amount of procurements under the Small Business Administration\nset-aside program may impact our ability to bid on new procurements as a prime contractor or restrict our ability to re-compete on incumbent work that is placed in the\nset-aside program.\nIncreasing scrutiny and changing expectations from governmental organizations, clients and our employees with respect to our ESG related practices may\nimpose additional costs on us or expose us to new or additional risks.\nThere is increased scrutiny from governmental organizations, clients, employees, investors, and other stakeholders on environmental, social and governance\n(\u201cESG\u201d) issues such as diversity, equity and inclusion, workplace culture, community investment, environmental management, climate impact and information security.\nWe have expended and may further expend resources to monitor, report on and adopt policies and practices that we believe will improve alignment with our evolving ESG\nstrategy and goals, as well as ESG-related standards and expectations of legal regimes and stakeholders such as clients, investors, stockholders, raters, employees, and\nbusiness partners. If our ESG practices, including our goals for diversity, equity and inclusion, environmental sustainability and information security, do not meet\nevolving rules and regulations or stakeholder expectations and standards (or if we are viewed negatively based on positions we do or do not take or work we do or do not\nperform or cannot publicly disclose for certain clients and industries), then our reputation, our ability to attract or retain leading experts, employees and other\nprofessionals and our ability to attract new business and clients could be negatively impacted, as could our attractiveness as an investment, service provider, employer,\nor business partner. Similarly, our failure or perceived failure in our efforts to execute our ESG strategy and achieve our current or future ESG-related goals, targets and\nobjectives, or to satisfy various reporting standards within the timelines expected by stakeholders, or at all, could also result in similar negative impacts. Organizations\nthat provide information to investors on corporate governance and related matters have developed ratings processes for evaluating companies on their approach to ESG\nmatters, and unfavorable ratings of our ESG efforts may lead to negative investor sentiment, diversion of investment to other companies, and difficulty in hiring skilled\nemployees. In addition, complying or failing to comply with existing or future federal, state, local, and foreign ESG legislation and regulations applicable to our business\nand operations, including related to greenhouse gas emissions, climate change, or other matters could cause us to incur additional compliance and operational costs or\nactions and suffer reputational harm, which could adversely affect our business.\n38", "a634ef7a-810b-45af-a8c2-fb0f994ad403": "Table of Contents\nWe are exposed to certain physical and regulatory risks, and could incur additional costs, related to climate change and other natural disasters.\nDue to the global nature of our business, we are exposed to a variety of physical risks related to climate change, including rising temperatures and sea levels,\nextreme heat, and other extreme weather events. Our worldwide operations and the operations of our customers could be subject to natural disasters (including those\nfrom climate change) such as hurricanes, typhoons, tsunamis, floods, earthquakes, fires, water shortages and prolonged drought. Such events could disrupt our\noperations or those of our customers and suppliers, including the inability of employees to work, destruction of facilities, loss of life, and adverse effects on supply\nchains, power, infrastructure, and the integrity of information technology systems, all of which could materially increase our costs and expenses, delay or decrease\nrevenue from our customers, and disrupt our ability to maintain business continuity. We could incur significant costs to improve the climate-related resiliency of our\ninfrastructure and otherwise prepare for, respond to, and mitigate the effects of climate change. Additionally, if insurance or other risk transfer mechanisms are\nunavailable or insufficient to recover all costs or if we experience a significant disruption to our business due to a\n natural disaster, our results of operations could be\nadversely affected.\nWe may also face operational costs and transition risks due to decisions we make to conduct or change our activities in response to considerations relating to\nclimate change, such as our goal to eventually reach net-zero greenhouse gas emissions. In addition, complying or failing to comply with existing or future federal, state,\nlocal, and foreign legislation and regulations applicable to our business and operations related to greenhouse gas emissions and climate change could cause us to incur\nadditional compliance and operational costs.\nRisks Related to Our Indebtedness\nWe have substantial indebtedness and may incur substantial additional indebtedness, which could adversely affect our financial health and our ability to\nobtain financing in the future as well as to react to changes in our business.\nAs of March 31, 2024, we had total indebtedness of approximately $3.4 billion and $998.7 million of availability under our revolving credit facility (the \u201cRevolving\nCredit Facility\u201d). We are able to, and may, incur additional indebtedness in the future, subject to the limitations contained in the agreements governing our indebtedness.\nOur substantial indebtedness could have important consequences to holders of our common stock, including:\n\u25aa\nmaking it more difficult for us to satisfy our obligations with respect to our Senior Credit Facility, consisting of a $1.6 billion term loan facility (\u201cTerm Loan A\u201d), a\n$1.0 billion Revolving Credit Facility, with a sublimit for letters of credit of $200.0 million, our $700.0 million in aggregate principal amount of 3.875% Senior Notes\ndue 2028 (the \u201cSenior Notes due 2028\u201d), our $500.0 million in aggregate principal amount of 4.000% Senior Notes due 2029 (the \u201cSenior Notes due 2029\u201d), our\n$650.0 million in aggregate principal amount of 5.950% Senior Notes due 2033 (the \u201cSenior Notes due 2033\u201d, and together with the Senior Notes due 2028 and the\nSenior Notes due 2029, the \u201cSenior Notes\u201d) and our other debt;\n\u25aa\nlimiting our ability to obtain additional financing to fund future working capital, capital expenditures, acquisitions or other general corporate requirements;\n\u25aa\nrequiring a substantial portion of our cash flows to be dedicated to debt service payments instead of other purposes, thereby reducing the amount of cash flows\navailable for working capital, capital expenditures, acquisitions and other general corporate purposes;\n\u25aa\nincreasing our vulnerability to general adverse economic and industry conditions;\n\u25aa\nexposing us to the risk of increased interest rates as certain of our borrowings, including under the Senior Credit Facility, are at variable rates of interest;\n\u25aa\nlimiting our flexibility in planning for and reacting to changes in the industry in which we compete;\n\u25aa\nplacing us at a disadvantage compared to other, less leveraged competitors or competitors with comparable debt and more favorable terms and thereby affecting\nour ability to compete; and\n\u25aa\nincreasing our cost of borrowing.\nAlthough the Senior Credit Facility and the indentures governing the Senior Notes contain restrictions on the incurrence of additional indebtedness, these\nrestrictions are subject to a number of qualifications and exceptions, and the additional indebtedness incurred in compliance with these restrictions could be substantial.\nThese restrictions also will not prevent us from incurring obligations that do not constitute indebtedness.", "7cf6ee13-88bc-48ce-93ec-d07b50d12775": "Although the Senior Credit Facility and the indentures governing the Senior Notes contain restrictions on the incurrence of additional indebtedness, these\nrestrictions are subject to a number of qualifications and exceptions, and the additional indebtedness incurred in compliance with these restrictions could be substantial.\nThese restrictions also will not prevent us from incurring obligations that do not constitute indebtedness. In addition, the Revolving Credit Facility provides for\ncommitments of $1.0 billion, which as of March 31, 2024, had availability of $998.7 million. Additionally, the used portion as it pertains to open standby letters of credit\nand bank guarantee\ns totaled\n $1.3 million. Furthermore, subject to specified conditions, without the consent of the then-existing lenders (but subject to the receipt of\ncommitments), the indebtedness under the Senior Credit Facility may be increased by up to $500.0 million. If new debt is added to our current debt levels, the related risks\nthat we and the guarantors now face would increase and we may not be able to meet all our debt obligations, including the repayment of the Senior Notes.\n39", "0452792c-cb83-44b6-bac6-4ea618bebddc": "Table of Contents\nWe may not be able to generate sufficient cash to service our indebtedness and may be forced to take other actions to satisfy our obligations under our\nindebtedness, which may not be successful.\nOur ability to make scheduled payments on or refinance our debt obligations will depend on our financial condition and operating performance, which are subject\nto prevailing economic and competitive conditions and to financial, business, legislative, regulatory and other factors beyond our control. We might not be able to\nmaintain a level of cash flows from operating activities sufficient to permit us to pay the principal, premium, if any, and interest on our indebtedness. For information\nregarding the risks to our business that could impair our ability to satisfy our obligations under our indebtedness, see \u201c\u2014 Risks Related to Our Indebtedness.\u201d\nIf our cash flows and capital resources are insufficient to fund our debt service obligations, we could face substantial liquidity problems and could be forced to\nreduce or delay investments and capital expenditures or to dispose of material assets or operations, seek additional debt or equity capital or restructure or refinance our\nindebtedness. We may not be able to effect any such alternative measures on commercially reasonable terms or at all and, even if successful, those alternative actions\nmay not allow us to meet our scheduled debt service obligations.\nThe agreements governing our indebtedness restrict our ability to dispose of assets and use the proceeds from those dispositions and also restrict our ability to\nraise debt to be used to repay other indebtedness when it becomes due.\nWe may not be able to consummate those dispositions or to obtain proceeds in an amount sufficient to meet any debt service obligations then due. In addition,\nunder the Senior Credit Facility, we are subject to mandatory prepayments of our Term Loans from a portion of our excess cash flows, which may be stepped down upon\nthe achievement of specified first lien leverage ratios. To the extent that we are required to prepay any amounts under our Term Loans, we may have insufficient cash to\nmake required principal and interest payments on other indebtedness.\nOur inability to generate sufficient cash flows to satisfy our debt obligations, or to refinance our indebtedness on commercially reasonable terms or at all, would\nmaterially and adversely affect our financial condition and results of operations and our ability to satisfy our obligations under our indebtedness.\nIf we cannot make scheduled payments on our debt, we would be in default and the following events could occur: lenders under our Senior Credit Facility and\nholders of the Senior Notes could declare all outstanding principal and interest to be due and payable; and lenders under the Revolving Credit Facility could terminate\ntheir commitments to provide loans. All of these events could force us into bankruptcy or liquidation and result in investors' losing some or all of the value of their\ninvestment.\nThe terms of the agreements governing our indebtedness restrict our current and future operations, particularly our ability to respond to changes or to take\ncertain actions, which could harm our long-term interests.\nThe Senior Credit Facility and the indentures governing the Senior Notes contain covenants that, among other things, impose significant operating and financial\nrestrictions on us and limit our ability to engage in actions that may be in our long-term best interest, including restrictions on our ability to:\n\u2022\nincur additional indebtedness, guarantee indebtedness, or issue disqualified stock or preferred stock;\n\u2022\npay dividends on or make other distributions in respect of, or repurchase or redeem, our capital stock;\n\u2022\nenter into sale-leaseback transactions;\n\u2022\nincur liens;\n\u2022\nconsolidate, merge or sell all or substantially all of our and our subsidiaries\u2019 assets;\n\u2022\nenter into hedging transactions; and\n\u2022\nenter into certain lines of business.\nThese covenants are subject to a number of important exceptions and qualifications. In addition, the restrictive covenants in the Senior Credit Facility require us to\nmaintain a consolidated net total leverage ratio that will be tested at the end of each fiscal quarter. Our ability to satisfy such financial ratio test may be affected by events\nbeyond our control.\nA breach of the covenants under the agreements governing our indebtedness could result in an event of default under those agreements. Such a default may allow\ncertain creditors to accelerate the related debt and may result in the acceleration of any other debt to which a cross-acceleration or cross-default provision applies. In\naddition, an event of default under the Senior Credit Facility would also permit the lenders under the Revolving Credit Facility to terminate all other commitments to\nextend further credit under that facility. In the event the lenders accelerate the repayment of our borrowings, we may not have sufficient assets to repay that\nindebtedness.", "159c2454-fa93-4113-ba4c-257356fe4118": "In addition, the restrictive covenants in the Senior Credit Facility require us to\nmaintain a consolidated net total leverage ratio that will be tested at the end of each fiscal quarter. Our ability to satisfy such financial ratio test may be affected by events\nbeyond our control.\nA breach of the covenants under the agreements governing our indebtedness could result in an event of default under those agreements. Such a default may allow\ncertain creditors to accelerate the related debt and may result in the acceleration of any other debt to which a cross-acceleration or cross-default provision applies. In\naddition, an event of default under the Senior Credit Facility would also permit the lenders under the Revolving Credit Facility to terminate all other commitments to\nextend further credit under that facility. In the event the lenders accelerate the repayment of our borrowings, we may not have sufficient assets to repay that\nindebtedness.\nAs a result of these restrictions, we may be:\n\u2022\nlimited in how we conduct our business;\n\u2022\nunable to raise additional debt or equity financing to operate during general economic or business downturns; or\n\u2022\nunable to compete effectively or to take advantage of new business opportunities.\nThese restrictions might hinder our ability to grow in accordance with our strategy.\n40", "64a5a6de-527e-416c-89c3-63fee4fbc888": "Table of Contents\nOur variable rate indebtedness subjects us to interest rate risk, which could cause our debt service obligations to increase significantly.\nBorrowings under the Senior Credit Facility are at variable rates of interest and expose us to interest rate risk. During 2022 and 2023, interest rates increased\nsignificantly and interest rates may continue to increase or remain at higher than recent historical levels. With an increase in interest rates, our debt service obligations on\nthe variable rate indebtedness would increase even though the amount b\norrowed remains the same, and our net income and cash flows, including cash available for\nservicing our indebtedness, would correspondingly decrease.\nBased on Term Loan A outstanding as of March 31, 2024 and assuming all revolving loans are fully drawn, and after considering interest rate swaps that fix the\ninterest rate on $550.0 million of principal of our variable-rate debt each quarter point change in interest rates would result in a \n$2.6 million\n change in our projected annual\ninterest expense on our indebtedness under the Senior Credit Facility. We have entered into interest rate swaps and may in the future enter into additional interest rate\nswaps that involve the exchange of floating for fixed rate interest payments in order to reduce future interest rate volatility of our variable rate indebtedness. However,\ndue to risks for hedging gains and losses and cash settlement costs, we may not elect to maintain such interest rate swaps, and any swaps may not fully mitigate our\ninterest rate risk.\nA downgrade, suspension or withdrawal of the rating assigned by a rating agency to us or our indebtedness could make it more difficult for us to obtain\nadditional debt financing in the future.\nWe and our indebtedness have been rated by nationally recognized rating agencies and may in the future be rated by additional rating agencies. We cannot assure\nyou that any rating assigned to us or our indebtedness will remain for any given period of time or that a rating will not be lowered or withdrawn entirely by a rating\nagency if, in that rating agency\u2019s judgment, circumstances relating to the basis of the rating, such as adverse changes in our business, so warrant. Any downgrade,\nsuspension or withdrawal of a rating by a rating agency (or any anticipated downgrade, suspension or withdrawal) could make it more difficult or more expensive for us to\nobtain additional debt financing in the future.\nRisks Related to Our Common Stock\nBooz Allen Holding is a holding company with no operations of its own, and it depends on its subsidiaries for cash to fund all of its operations and expenses,\nincluding to make future dividend payments, if any.\nThe operations of Booz Allen Holding are conducted almost entirely through its subsidiaries and its ability to generate cash to meet its debt service obligations or\nto pay dividends is highly dependent on the earnings and receipt of funds from its subsidiaries via dividends or intercompany loans. Further, the Senior Credit Facility\nand indentures governing the Senior Notes significantly restrict the ability of our subsidiaries to pay dividends or otherwise transfer assets to us. In addition, Delaware\nlaw may impose requirements that may restrict our ability to pay dividends to holders of our common stock.\nOur financial results may vary significantly from period to period as a result of a number of factors, many of which are outside our control, which could cause\nthe market price of our Class A Common Stock to fluctuate.\nOur financial results may vary significantly from period to period in the future as a result of many external factors that are outside of our control. Factors that may\naffect our financial results and could cause the market price of our outstanding securities, including our Class A Common Stock, to fluctuate include those listed in this\n\u201cRisk Factors\u201d section and others such as:\n\u2022\nany cause of reduction or delay in U.S. government funding;\n\u2022\nfluctuations in revenue earned on existing contracts;\n\u2022\ncommencement, completion, or termination of contracts during a particular period;\n\u2022\na potential decline in our overall profit margins if our other direct costs and subcontract revenue grow at a faster rate than labor-related revenue;\n\u2022\nstrategic decisions by us or our competitors, such as changes to business strategy, strategic investments, acquisitions, divestitures, spin offs, and joint\nventures;\n\u2022\na change in our contract mix to less profitable contracts;\n\u2022\nchanges in policy or budgetary measures that adversely affect U.S. government contracts in general;\n\u2022\nvariable purchasing patterns under U.S. government GSA schedules, blanket purchase agreements, which are agreements that fulfill repetitive needs under GSA\nschedules, and IDIQ contracts;\n\u2022\nchanges in demand for our services and solutions;\n\u2022\nfluctuations in the degree to which we are able to utilize our professionals;\n\u2022\nseasonality associated with the U.S.", "44a03480-9cdb-475f-a49c-c8c991eab982": "government contracts in general;\n\u2022\nvariable purchasing patterns under U.S. government GSA schedules, blanket purchase agreements, which are agreements that fulfill repetitive needs under GSA\nschedules, and IDIQ contracts;\n\u2022\nchanges in demand for our services and solutions;\n\u2022\nfluctuations in the degree to which we are able to utilize our professionals;\n\u2022\nseasonality associated with the U.S. government\u2019s fiscal year;\n\u2022\nan inability to utilize existing or future tax benefits for any reason, including a change in law;\n\u2022\nalterations to contract requirements; and\n41", "c699d0db-bef3-4cd0-ad23-dccc9df170bd": "Table of Contents\n\u2022\nadverse judgments or settlements in legal disputes.\nWe cannot assure you that we will pay special or regular dividends on our stock in the future.\nThe Board has authorized and declared a regular quarterly dividend for each quarter in the last several years. The Board has also authorized and declared special\ncash dividends from time to time. The declaration of any future dividends and the establishment of the per share amount, record dates, and payment dates for any such\nfuture dividends are subject to the discretion of the Board taking into account future earnings, cash flows, financial requirements and other factors. There can be no\nassurance that the Board will declare any dividends in the future. To the extent that expectations by market participants regarding the potential payment, or amount, of\nany special or regular dividend prove to be incorrect, the price of our common stock may be materially and negatively affected and investors that bought shares of our\ncommon stock based on those expectations may suffer a loss on their investment. Further, to the extent that we declare a regular or special dividend at a time when market\nparticipants hold no such expectations or the amount of any such dividend exceeds current expectations, the price of our common stock may increase and investors that\nsold shares of our common stock prior to the record date for any such dividend may forego potential gains on their investment.\nFulfilling our obligations incident to being a public company, including with respect to the requirements of and related rules under the Sarbanes Oxley Act of\n2002, is expensive and time consuming and any delays or difficulty in satisfying these obligations could have a material adverse effect on our future results of\noperations and our stock price.\nAs a public company, the Sarbanes-Oxley Act of 2002 and the related rules and regulations of the SEC, as well as the New York Stock Exchange rules, require us to\nimplement various corporate governance practices and adhere to a variety of reporting requirements and complex accounting rules. Compliance with these public\ncompany obligations requires us to devote significant management time and place significant additional demands on our finance, accounting, and legal staff and on our\nmanagement systems, including our financial, accounting, and information systems. Other expenses associated with being a public company include increased auditing,\naccounting, and legal fees and expenses, investor relations expenses, increased directors\u2019 fees and director and officer liability insurance costs, registrar and transfer\nagent fees, listing fees, as well as other expenses.\nIn particular, the Sarbanes-Oxley Act of 2002 requires us to document and test the effectiveness of our internal control over financial reporting in accordance with\nan established internal control framework, and to report on our conclusions as to the effectiveness of our internal controls. It also requires an independent registered\npublic accounting firm to test our internal control over financial reporting and report on the effectiveness of such controls. In addition, we are required under the\nExchange Act to maintain disclosure controls and procedures and internal control over financial reporting. Because of inherent limitations in any internal control\nenvironment, there can be no assurance that all control issues and instances of fraud, errors or misstatements, if any, within our Company have been or will be detected\non a timely basis. Such deficiencies could result in the correction or restatement of financial statements of one or more periods. Any failure to maintain effective controls\nor implement new or improved controls, or difficulties encountered in their implementation, could harm our operating results or cause us to fail to meet our reporting\nobligations. We also rely on third parties for certain calculations and other information that support our accounting and financial reporting, which includes reports from\nsuch organizations on their controls and systems that are used to generate this data and information. Any failure by such third parties to provide us with accurate or\ntimely information or implement and maintain effective controls may cause us to fail to meet our reporting obligations as a publicly traded company. In addition, as we\noperate our financial management systems, we could experience deficiencies in their operation that could have an adverse effect on the effectiveness of our internal\ncontrol over financial reporting.\nIf we are unable to conclude that we have effective internal control over financial reporting, or if our independent registered public accounting firm is unable to\nprovide us with an unqualified report regarding the effectiveness of our internal control over financial reporting, investors could lose confidence in the reliability of our\nconsolidated financial statements, which could result in a decrease in the value of our common stock. Failure to comply with the Sarbanes-Oxley Act of 2002 could\npotentially subject us to sanctions or investigations by the SEC, the New York Stock Exchange, or other regulatory authorities.\nProvisions in our organizational documents and in the Delaware General Corporation Law may prevent takeover attempts that could be beneficial to our\nstockholders.", "e4792b50-f767-4615-87b9-696b3b86a434": "In addition, as we\noperate our financial management systems, we could experience deficiencies in their operation that could have an adverse effect on the effectiveness of our internal\ncontrol over financial reporting.\nIf we are unable to conclude that we have effective internal control over financial reporting, or if our independent registered public accounting firm is unable to\nprovide us with an unqualified report regarding the effectiveness of our internal control over financial reporting, investors could lose confidence in the reliability of our\nconsolidated financial statements, which could result in a decrease in the value of our common stock. Failure to comply with the Sarbanes-Oxley Act of 2002 could\npotentially subject us to sanctions or investigations by the SEC, the New York Stock Exchange, or other regulatory authorities.\nProvisions in our organizational documents and in the Delaware General Corporation Law may prevent takeover attempts that could be beneficial to our\nstockholders.\nOur amended and restated certificate of incorporation and amended and restated bylaws include a number of provisions that may have the effect of delaying,\ndeterring, preventing, or rendering more difficult a change in control of Booz Allen Holding that our stockholders might consider in their best interests. These provisions\ninclude:\n\u2022\ngranting to the Board the sole power to set the number of directors and to fill any vacancy on the Board;\n\u2022\ngranting to the Board the ability to designate and issue one or more series of preferred stock without stockholder approval, the terms of which may be\ndetermined at the sole discretion of the Board;\n\u2022\nthe establishment of advance notice requirements for stockholder proposals and nominations for election to the Board at stockholder meetings; and\n42", "20178995-0e80-47de-aeac-379f543ff94c": "Table of Contents\n\u2022\nprohibiting our stockholders from acting by written consent.\nIn addition, we are subject to the anti-takeover provisions of Section 203 of the Delaware General Corporation Law, which imposes additional requirements\nregarding mergers and other business combinations. These provisions may prevent our stockholders from receiving the benefit from any premium to the market price of\nour common stock offered by a bidder in a takeover context. Even in the absence of a takeover attempt, the existence of these provisions may adversely affect the\nprevailing market price of our common stock if the provisions are viewed as discouraging takeover attempts in the future.\nOur amended and restated certificate of incorporation and amended and restated by-laws may also make it difficult for stockholders to replace or remove our\nmanagement. These provisions may facilitate management entrenchment that may delay, deter, render more difficult, or prevent a change in our control, which may not be\nin the best interests of our stockholders.\nThe market for our Class A Common Stock may be adversely affected by the performance of other companies in the government services market.\nIn addition to factors that may affect our financial results and operations, the price of our Class A Common Stock may be impacted by the financial performance and\noutlook of other companies in the government services market. While certain factors may affect all participants in the markets in which we operate, such as U.S.\ngovernment spending conditions and changes in rules and regulations applicable to government contractors, the market for our Class A Common Stock may be adversely\naffected by financial results or negative events only affecting other market participants or financial results of such participants. While such events or results may not\nimpact or be indicative of our current or future performance, the price of our securities may nonetheless be adversely affected as a result thereof.\nOur amended and restated certificate of incorporation designates the Court of Chancery of the State of Delaware as the sole and exclusive forum for certain\nlitigation that may be initiated by our stockholders, which could limit our stockholders' ability to obtain a favorable judicial forum for disputes with us or our\ncurrent or former directors, officers, or stockholders.\nOur seventh amended and restated certificate of incorporation requires that the Court of Chancery of the State of Delaware be the sole and exclusive forum for (i)\nany derivative action or proceeding brought on behalf of the Company, (ii) any action asserting a claim of breach of a fiduciary duty owed by any director, officer, or\nother employee of the Company to the Company or the Company's stockholders, (iii) any action asserting a claim against the Company arising pursuant to any provision\nof the Delaware General Corporation Law, the Company's seventh amended and restated certificate of incorporation or the Company's bylaws, or (iv) any action asserting\na claim against the Company governed by the internal affairs doctrine. Because the applicability of the exclusive forum provision is limited to the extent permitted by\napplicable law, we do not intend that the exclusive forum provision would apply to suits brought to enforce any duty or liability created by the Exchange Act or any other\nclaim for which the federal courts have exclusive jurisdiction, and acknowledge that federal courts have concurrent jurisdiction over all suits brought to enforce any duty\nor liability created by the Securities Act. We note that there is uncertainty as to whether a court would enforce the provision and that investors cannot waive compliance\nwith federal securities laws and the rules and regulations thereunder. Although we believe this provision benefits us by providing increased consistency in the\napplication of Delaware law in the types of lawsuits to which it applies, the provision may have the effect of discouraging lawsuits against our directors and officers.\nItem 1B\n. \nUnresolved Staff Comments.\nNone.\nItem 1C\n. \nCybersecurity.\nAs one of the world\u2019s largest cybersecurity solution providers, we routinely defend against advanced persistent threats both internally and for our clients. Our\ncybersecurity risk management program is an integral part of our overall enterprise risk management program, and is designed to assess, identify, manage and mitigate\ninternal and external cybersecurity risks, threats and incidents.\nRisk Management and Strategy\nOur Board and its committees oversee the Company\u2019s risk management processes, including but not limited to those relevant to cybersecurity risks, and are\nregularly briefed by management on risk management considerations. One of the primary tools that facilitates the Board\u2019s oversight and mitigation of risk is the\nCompany\u2019s Enterprise Risk Management (\u201cERM\u201d) Program, which is designed to look holistically at risks which may cause a material, adverse impact to the Company\u2019s\noperations, reputation, or value.", "b220917b-56ff-453a-9326-2bca00ba7d93": "Item 1B\n. \nUnresolved Staff Comments.\nNone.\nItem 1C\n. \nCybersecurity.\nAs one of the world\u2019s largest cybersecurity solution providers, we routinely defend against advanced persistent threats both internally and for our clients. Our\ncybersecurity risk management program is an integral part of our overall enterprise risk management program, and is designed to assess, identify, manage and mitigate\ninternal and external cybersecurity risks, threats and incidents.\nRisk Management and Strategy\nOur Board and its committees oversee the Company\u2019s risk management processes, including but not limited to those relevant to cybersecurity risks, and are\nregularly briefed by management on risk management considerations. One of the primary tools that facilitates the Board\u2019s oversight and mitigation of risk is the\nCompany\u2019s Enterprise Risk Management (\u201cERM\u201d) Program, which is designed to look holistically at risks which may cause a material, adverse impact to the Company\u2019s\noperations, reputation, or value. As part of the ERM Program, our Chief Operating Officer directs and chairs the ERM Steering Committee, which is comprised of members\nof senior management, including our Chief Financial Officer, General Counsel, Chief Information Officer, Chief Information Security Officer, Chief Administrative Officer,\nand Chief Ethics and Compliance Officer.\n43", "1ed63d2a-d81b-4f65-8331-77565d249cc6": "Table of Contents\nUnder the ERM Program, our Chief Operating Officer prepares for the Board a quarterly update of our enterprise risks, including but not limited to enterprise\ncybersecurity risks, and conducts with the Board an annual risk identification and mitigation analysis.\nIn addition to updates provided through the ERM Program, the Board is regularly updated by members of management, including the Chief Accounting Officer,\nChief Legal Officer, and members of the ERM Steering Committee concerning significant risks facing the Company and processes that have been implemented to mitigate\nthese risks, including but not limited to cybersecurity risks. Additionally, throughout the year, each of our sector presidents who leads one of our major market units\nprovides a comprehensive overview of their market, including risks and challenges. See \u201cItem 1C. Cybersecurity\u2014Governance\u2014Management\u2019s Responsibilities\u201d below\nfor additional information regarding our cybersecurity risk management program.\nWe also conduct periodic internal and third-party assessments, threat simulations, and exercises to test the effectiveness of our cybersecurity defenses and\ncontrols, including associated policies and procedures. We undertake efforts to address and mitigate risks from vulnerabilities identified during such assessments,\nsimulations, and exercises.\nGovernance\nManagement's Responsibilities\nOur cybersecurity risk management program is led by our Chief Information Officer (\u201cCIO\u201d) and our Chief Information Security Officer (\u201cCISO\u201d), who are\nresponsible for our information security strategy, policies, security architecture and engineering, security operations, and cybersecurity threat detection and response.\nOur CIO has over 25 years of information technology and program management experience, addressing complex information technology and cybersecurity challenges for\nlarge-scale enterprises in the U.S. Department of Defense, U.S. federal agencies, and commercial organizations. Our CISO, a Certified Information Systems Security\nProfessional (\u201cCISSP\u201d), has over 20 years of information security and program management experience and has served as the CISO for several large-scale enterprises in\nthe U.S. government services industry, commercial organizations, and not-for-profit organizations.\nAs a government contractor, we are required to comply with extensive regulations and standards, including but not limited to cybersecurity regulations and\nstandards and the requirements of the DFARS. Additionally, our cybersecurity risk management program is guided by the National Institute of Standards and\nTechnology (\u201cNIST\u201d) Cybersecurity Framework. Our policies and implemented controls have been assessed by external organizations, including industry partners and\nthe federal government. We work closely with our subcontractors and suppliers to identify and manage cybersecurity risks and, as appropriate, require them to comply\nwith applicable laws and regulations. These contractual requirements include the requirement that our subcontractors implement certain security controls, and that our\nsubcontractors self-report the status of their implementation of these controls to the U.S. government.\nTo manage cybersecurity risk introduced from our supply chain, depending on the nature of a supplier's work and the sensitivity of the Booz Allen and client\ninformation provided to the supplier, we also require suppliers to complete our security questionnaires (based on data categorization) and provide evidence of security\naccreditations, and we evaluate supplier compliance with security requirements using internal and third-party resources.\nOur CIO and CISO also lead our Cyber Fusion Center (\u201cCFC\u201d), whose function is, pursuant to our Cyber Incident Response Plan, to stay apprised of existing and\nemerging cybersecurity threats and monitor our information systems to proactively identify, protect against, and mitigate cybersecurity threats. The CFC uses\nintelligence collected from various sources, fused with intelligence collected from analysis and response actions, to proactively search for and address adversary activity\nagainst our information systems. The CFC possesses in-depth knowledge of network, endpoint, perimeter security systems, identity-based vulnerabilities, data\nprotection, threat intelligence, forensics, penetration testing, and malware reverse engineering, as well as the functioning of specific applications or underlying\ninformation systems infrastructure.\nThe Cyber Incident Response Team (\u201cCIRT\u201d) is responsible for the incident response process and provides direction and guidance to users of Booz Allen\ninformation systems when responding to cybersecurity incidents. The CIRT also provides intrusion monitoring of networks and information systems, and performs triage\nand analysis of events to identify potential incidents, including potential incidents occurring on third-party systems. The CIRT categorizes anomalous cybersecurity\nevents into discrete levels in which cybersecurity events are escalated to appropriate levels of management, as well as our Cyber Incident Materiality Committee, Audit\nCommittee, and Board, based on the severity of the incident. While typical cybersecurity management and incident response is provided by internal resources, we have\narrangements with certain third parties whom we can engage if additional support and resources are required.\n44", "ee514479-f9bc-4dd2-9565-a58ea9214a5c": "Table of Contents\nBoard of Directors\u2019 Roles and Responsibilities\nThe Audit Committee is responsible for oversight of the Company\u2019s risk management and mitigation, including but not limited to the Company\u2019s cybersecurity\nrisks, and is regularly briefed by our CIO and CISO regarding the Company\u2019s cybersecurity risk management program, cybersecurity incidents involving the Company,\nvendors, suppliers, subcontractors and other third parties, as well as associated mitigation actions taken, in order to assess and manage associated risks and potential\nharm and damages. The Audit Committee reports to the Board on cybersecurity risks to the Company on a periodic basis.\nCybersecurity Threats\nEven with our extensive and systematic approach to cybersecurity, we may not be successful in preventing or mitigating a cybersecurity incident that could have a\nmaterial adverse effect on us. While we maintain cybersecurity insurance, the cost related to cybersecurity threats or disruptions may not be fully insured.\nDuring the period covered by this Annual Report, we have not experienced any cybersecurity incidents that have materially affected or are reasonably likely to\nmaterially affect our business strategy, results of operations, or our financial condition. Future cybersecurity incidents could, however, materially affect our business\nstrategy, results of operations, reputation, or financial condition.\nSee Item 1A\n.\n, \u201cRisk Factors,\u201d for a discussion on cybersecurity risks and how they could materially affect the Company.\nItem 2\n. \nProperties.\nWe do not own any facilities or real estate. Our corporate headquarters is located at 8283 Greensboro Drive, McLean, Virginia 22102. We lease other operating\noffices and facilities throughout North America, and a limited number of overseas locations. Our principal offices outside of McLean, Virginia include: Annapolis\nJunction, Maryland; Washington, D.C.; Chantilly, Virginia; Laurel, Maryland; Arlington, Virginia; Panama City Beach, Florida; Charleston, South Carolina; Bethesda,\nMaryland; and Alexandria, Virginia. We have a number of Sensitive Compartmented Information Facilities, which are enclosed areas within buildings that are used to\nperform classified work for the U.S. Intelligence Community. Many of our employees are located in facilities provided by the U.S. government. The total square footage of\nour leased offices and facilities is approximately 2.24 million square feet. We believe our facilities meet our current needs.\nItem 3. Legal Proceedings.\nThe Company is involved in legal proceedings and investigations arising in the ordinary course of business, including those relating to employment matters,\nrelationships with clients and contractors, intellectual property disputes, compliance with various laws and regulations, and other business matters. We have provided\ninformation about these legal proceedings and investigations in Note 20, \u201cCommitments and Contingencies,\u201d to the consolidated financial statements contained within\nthis Annual Report on Form 10-K. These legal proceedings seek various remedies, including claims for monetary damages in varying amounts, none of which are\nconsidered material, or are unspecified as to amount. Although the outcome of any such matter is inherently uncertain and may be materially adverse, based on current\ninformation, we do not expect any of the currently ongoing audits, reviews, investigations, or litigation to have a material adverse effect on our financial condition and\nresults of operations. As of March 31, 2024, there were no material amounts accrued in the consolidated financial statements related to these proceedings. See Note 20,\n\u201cCommitments and Contingencies,\u201d to the consolidated financial statements contained within this Annual Report on Form 10-K for amounts accrued in the consolidated\nfinancial statements related to legal proceedings as of March 31, 2023.\nOn June 19, 2017, a purported stockholder of the Company filed a putative class action lawsuit in the United States District Court for the Eastern District of Virginia\nstyled Langley v. Booz Allen Hamilton Holding Corp., No. 17-cv-00696 (\u201cLangley\u201d) naming the Company, its Chief Executive Officer, and its former Chief Financial Officer\nas defendants purportedly on behalf of all purchasers of the Company\u2019s securities from May 19, 2016 through June 15, 2017. On September 5, 2017, the court named two\nlead plaintiffs, and on October 20, 2017, the lead plaintiffs filed a consolidated amended complaint. The complaint asserted claims under Sections 10(b) and 20(a) of the\nExchange Act and Rule 10b-5 promulgated thereunder, alleging misrepresentations or omissions by the Company purporting to relate to matters that were the subject of\nthe investigation of the Company by the U.S. Department of Justice (\u201cDOJ\u201d), which has been closed or settled.", "7c6532fd-622a-49f2-9455-9694043dedb6": "17-cv-00696 (\u201cLangley\u201d) naming the Company, its Chief Executive Officer, and its former Chief Financial Officer\nas defendants purportedly on behalf of all purchasers of the Company\u2019s securities from May 19, 2016 through June 15, 2017. On September 5, 2017, the court named two\nlead plaintiffs, and on October 20, 2017, the lead plaintiffs filed a consolidated amended complaint. The complaint asserted claims under Sections 10(b) and 20(a) of the\nExchange Act and Rule 10b-5 promulgated thereunder, alleging misrepresentations or omissions by the Company purporting to relate to matters that were the subject of\nthe investigation of the Company by the U.S. Department of Justice (\u201cDOJ\u201d), which has been closed or settled. See Note 20, \u201cCommitments and Contingencies,\u201d to the\nconsolidated financial statements contained within this Annual Report on Form 10-K. Motions to dismiss were argued on January 12, 2018, and on February 8, 2018, the\ncourt dismissed the amended complaint in its entirety without prejudice. On September 22, 2023, plaintiffs filed a motion for leave to amend the dismissed amended\ncomplaint or, in the alternative, for relief from the court\u2019s prior dismissal order, and on October 16, 2023, the court denied plaintiffs\u2019 motion. On November 15, 2023,\nplaintiffs filed with the United States Court of Appeals for the Fourth Circuit a \nnotice of appeal from the district court\u2019s denial of plaintiffs\u2019 motion. On April 22, 2024,\nplaintiffs filed a motion for the voluntary dismissal with prejudice of the appeal, and on April 23, 2024, the court granted plaintiffs\u2019 motion.\n45", "1deb588e-75b4-42f7-ac32-29503d28e552": "Table of Contents\nOn November 13, 2017, a Verified Shareholder Derivative Complaint was filed in the United States District Court for the District of Delaware styled Celine Thum v.\nRozanski et al., C.A. No. 17-cv-01638, naming the Company as a nominal defendant and numerous current and former officers and directors as defendants. The complaint\nasserted claims for breach of fiduciary duties, unjust enrichment, waste of corporate assets, abuse of control, gross mismanagement, and violations of Sections 14(a),\n10(b), and 20(a) of the Exchange Act, purportedly relating to matters that \nwere the subject of the investigation of the Company by the DOJ, which has been closed or\nsettled. See Note \n20\n, \u201c\nCommitments and Contingencies\n,\u201d to the consolidated financial statements contained within this Annual Report on Form 10-K.\n The parties\nstipulated to a stay of proceedings pending the outcome of Langley, which the court so ordered on January 24, 2018. On December 12, 2019, the court ordered that the\nstay remain in effect and ordered the parties to submit periodic status reports. Starting on May 27, 2020, the parties submitted periodic status reports as ordered by the\ncourt stating that the plaintiff believed the stay should remain in effect and the defendants did not object to the stay remaining in effect. On May 20, 2024, the parties filed\na joint stipulation for the voluntary dismissal without prejudice of the action, and the court so ordered the joint stipulation.\nItem 4\n.\n Mine Safety Disclosures\n.\nNone.\nInformation about our Executive Officers.\nThe following table sets forth information about our executive officers as of the date hereof:\nName\nAge\nPosition\nHoracio D. Rozanski\n56\nPresident and Chief Executive Officer\nMatthew A. Calderone\n52\nExecutive Vice President and Chief Financial Officer\nKristine Martin Anderson\n55\nExecutive Vice President and Chief Operating Officer\nRichard Crowe\n56\nExecutive Vice President\nJudith Dotson\n60\nExecutive Vice President\nThomas Pfeifer\n64\nExecutive Vice President\nNancy J. Laben\n62\nExecutive Vice President and Chief Legal Officer\nSusan L. Penfield\n62\nExecutive Vice President and Chief Technology Officer\nHoracio D. Rozanski\n is our President and Chief Executive Officer. A respected authority and leader in the consulting industry, Mr. Rozanski has expertise in\nbusiness strategy, technology and operations, talent and diversity, and the future of consulting. He joined Booz Allen in 1992 as a consultant to commercial clients, was\nelected Vice President in 1999, and served as our Chief Personnel Officer, Chief Strategy and Talent Officer, Chief Operating Officer, and President before becoming Chief\nExecutive Officer in 2015. He also is a member of our Board. Mr. Rozanski currently serves as Chairman of the board of directors for Children\u2019s National Hospital and is a\nmember of the board of directors at Marriott International, Inc. (NASDAQ: MAR), CARE USA, and the Economic Club of Washington, D.C. He is also a member of the\nBusiness Roundtable, the United States Holocaust Memorial Museum\u2019s Committee on Conscience, Defense Advisory Committee on Diversity and Inclusion, and Vice\nChair of the Kennedy Center Corporate Fund Board.\nMatthew A. Calderone\n is an Executive Vice President at Booz Allen and our Chief Financial Officer. Mr. Calderone joined Booz Allen in 1999, and has held a variety\nof leadership roles in finance and strategy over the last decade. Prior to becoming Chief Financial Officer in October 2022, Mr. Calderone served as our Chief Strategy\nOfficer, during which he led M&A activity, long-term financial strategy, and the development and rollout of VoLT, Booz Allen\u2019s growth strategy. From 2016 to 2020, Mr.\nCalderone led the Company\u2019s strategic finance and Forecasting, Planning and Analysis (FP&A) functions. In addition, in 2014, Mr. Calderone built the Company\u2019s\ncorporate development team. Mr. Calderone holds a B.A. in economics from the University of Maryland and an M.B.A. from the Yale School of Management.\nKristine Martin Anderson\n \nis an Executive Vice President and Chief Operating Officer. Ms. Anderson joined Booz Allen in 2006, and has held a variety of leadership\nroles. Prior to becoming Chief Operating Officer in May 2022, Ms.", "7a5533da-7eca-4e77-a78f-fc6a3fb1a202": "Calderone served as our Chief Strategy\nOfficer, during which he led M&A activity, long-term financial strategy, and the development and rollout of VoLT, Booz Allen\u2019s growth strategy. From 2016 to 2020, Mr.\nCalderone led the Company\u2019s strategic finance and Forecasting, Planning and Analysis (FP&A) functions. In addition, in 2014, Mr. Calderone built the Company\u2019s\ncorporate development team. Mr. Calderone holds a B.A. in economics from the University of Maryland and an M.B.A. from the Yale School of Management.\nKristine Martin Anderson\n \nis an Executive Vice President and Chief Operating Officer. Ms. Anderson joined Booz Allen in 2006, and has held a variety of leadership\nroles. Prior to becoming Chief Operating Officer in May 2022, Ms. Anderson served as President for the Company's Civil sector from April 2018 to May 2022, and led the\nCompany\u2019s civil health business from 2015 to 2018. Under Ms. Anderson\u2019s leadership, the Civil Sector and health business were the highest performing businesses in\nBooz Allen. Prior to joining Booz Allen, Ms. Anderson was Vice President for Operations and Strategy at CareScience, a health care software solutions company. Ms.\nAnderson holds a B.A. in neurobiology from the University of Pennsylvania and an M.B.A. from The Wharton School of Business.\nRichard Crowe\n is an Executive Vice President and President for the Company's Civil sector. Mr. Crowe joined Booz Allen in 2004 and previously was the\nCompany's Chief Growth Officer from April 2021 to May 2022, where he built a best-in-class business development organization aligned to the Company's business\nstrategy and growth. Prior to that role, Mr. Crowe \nled the Company's Health business from 2018 to 2021. Mr. Crowe has more than 30 years of strategy development and\ntechnology delivery experience. Prior to joining Booz Allen, Mr. Crowe was the chief technical officer at PlasmaSol Corp.\n46", "b652eeb3-71f1-4768-b67d-abf34a3a99ab": "Table of Contents\nJudith Dotson \nis an Executive Vice President at Booz Allen and President for the Company's Global Defense sector. Ms. Dotson joined Booz Allen in 1989 and\nbecame a Senior Vice President in 2004. Prior to assuming her current role in August 2022, Ms. Dotson led the Company's Finance, Economic Development, and Energy\nbusiness from 2014 to 2017, the Joint Combatant Command business from 2017 to 2020, and she served as President for the Company\u2019s National Security sector from 2020\nto July 2022. Previously, she led the Company's Enterprise Integration Capability Development Team, the Defense System Development Capability Team, and the\nEnvironment & Energy Technology Team. Ms. Dotson previously served on the board of directors for the Nature Generation, a not-for-profit that inspires and empowers\nenvironmental stewardship in youth.\nThomas Pfeifer\n is an Executive Vice President at Booz Allen and President for the Company's National Security sector since August 2022. Mr. Pfeifer joined our\nCompany in 1989 and has over 40 years of industry experience. Prior to his current role, Mr. Pfeifer led several business units focused on defense military intelligence,\nspace, national agencies, the Air Force, and NASA, where he focused on evolving the businesses closer to the mission. Mr. Pfeifer holds a master\u2019s degree in computer\nsystems management and a bachelor\u2019s degree in economics, both from the University of Maryland. He is a member of the Institute of Navigation (ION), the Institute of\nElectrical and Electronic Engineering (IEEE) Computer Society, the American Society for Quality (ASQ), and the Armed Forces Communications and Electronics\nAssociation (AFCEA).\nNancy J. Laben\n is an Executive Vice President at Booz Allen and our Chief Legal Officer. She also served as the Secretary of the Company until August 2019.\nMs. Laben joined Booz Allen in September 2013. She oversees the Legal functions, Ethics & Compliance, and Corporate Affairs. Before joining our Company, Ms. Laben\nserved as General Counsel of AECOM Technology Corporation from 2010 to 2013, where she was responsible for all legal support. Prior to joining AECOM Technology\nCorporation, Ms. Laben served as Deputy General Counsel at Accenture plc beginning in 1989. Prior to joining Accenture, Ms. Laben served in the law department at\nIBM Corporation.\nSusan L. Penfield\n is an Executive Vice President at Booz Allen and our Chief Technology Officer, and leads our Strategic Innovation Group. Prior to her role as\nChief Technology Officer, she served as our Chief Innovation Officer. Ms. Penfield joined Booz Allen in 1994. She has over 25 years of strategy, technology, marketing,\nand solutions delivery experience. Prior to joining the Strategic Innovation Group, Ms. Penfield led the Company's Health business, where she drove technology and\ntransformation initiatives across the federal, commercial, and non-profit health space. She serves as Chair of the board of directors of the Children's Inn at the National\nInstitutes of Health, and also on the boards of directors of Seed Spot Inc., the Northern Virginia Technology Council, and the American Cancer Society Cancer Action\nNetwork. Ms. Penfield is a member of the National Association for Female Executives (NAFE), and was recognized by NAFE as its 2015 Digital Trailblazer.\n47", "917f2811-a77d-4e2c-b138-7a229db057fb": "Table of Contents\nPART II\n \nItem 5\n. \nMarket for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities.\nMarket Information\nOur Class A Common Stock began trading on the New York Stock Exchange on November 17, 2010. On May 14, 2024, there\n were \n434,838\n beneficial holders\n of our\nClass A Common Stock. Our Class A Common Stock is listed on the New York Stock Exchange under the ticker symbol \u201cBAH\u201d.\nDividends\nThe Company plans to continue paying recurring dividends in the future and assessing its excess cash resources to determine the best way to utilize its excess\ncash flow to meet its objectives. Any future dividends declared will be at the discretion of the Board and will depend, among other factors, upon our earnings, liquidity,\nfinancial condition, alternate capital allocation opportunities, or any other factors the Board deems relevant. On May 24, 2024, the Company announced that the Board\nhad declared a quarterly cash dividend of $0.51 per share. Payment of the dividend will be made on June 28, 2024 to stockholders of record at the close of business on\nJune 13, 2024.\nRecent Sales of Unregistered Securities\nNone.\nIssuer Purchases of Equity Securities\nThe following table presents the share repurchase activity for each of the three months in the quarter ended March 31, 2024:\nPeriod\nTotal Number of\nShares Purchased\nAverage Price Paid\nper Share\nTotal Number of\nShares Purchased as Part\nof Publicly Announced\nPlans or Programs\nApproximate Dollar\nValue of Shares that May Yet\nBe Purchased Under the Plans\nor Programs (1)\nJanuary 2024\n197,225\n$126.76\n197,225\n$\n558,173,062 \nFebruary 2024\n348,126\n$143.63\n348,126\n$\n508,173,151 \nMarch 2024\n169,454\n$147.45\n169,454\n$\n483,187,683 \nTotal\n714,805\n714,805\n(1)\nOn December 12, 2011, the Board approved a share repurchase program, which was most recently increased by $525.0 million to $3,085.0 million on May 22, 2024.\nAs of March 31, 2024, the Company had approximately \n$483.2 million\n remaining under the repurchase program. A special committee of the Board was appointed\nto evaluate market conditions and other relevant factors and initiate repurchases under the program from time to time. \nThe share repurchase program may be\nsuspended, modified or discontinued at any time at the Company\u2019s discretion without prior notice.\nUse of Proceeds from Registered Securities\nNone.\n48", "fc0a840f-38d5-48db-8658-c53a57dfa4d8": "Table of Contents\nPerformance\nThe graph set forth below compares the cumulative shareholder return on our Class A Common Stock between March 31, 2019 and March 31, 2024, to the\ncumulative return of (i) the Russell 1000 Index and (ii) S&P Software & Services Select Industry Index over the same period. The Russell 1000 and S&P Software &\nServices Select Industry Indices represent comparator groups for relative cumulative return performance to Booz Allen Hamilton. This graph assumes an initial\ninvestment of $100 on March 31, 2019 in our Class A Common Stock, the Russell 1000 Index, and the S&P Software & Services Select Industry Index and assumes the\nreinvestment of dividends, if any. The stock price performance included in this graph is not necessarily indicative of future stock price performance.\n2594\nASSUMES $100 INVESTED ON MARCH 31, 2019\nASSUMES DIVIDEND REINVESTED\nCompany/Market/Peer Group\n3/31/2019\n3/31/2020\n3/31/2021\n3/31/2022\n3/31/2023\n3/31/2024\nBooz Allen Hamilton Holding Corp.\n$\n100.00 \n$\n119.77 \n$\n142.70 \n$\n158.56 \n$\n170.45 \n$\n277.16 \nRussell 1000 Index\n$\n100.00 \n$\n91.97 \n$\n147.70 \n$\n167.30 \n$\n153.26 \n$\n199.03 \nS&P Software & Services Select Industry Index\n$\n100.00 \n$\n87.72 \n$\n168.81 \n$\n158.61 \n$\n133.10 \n$\n168.69 \nThis performance graph and other information furnished under this Part II Item 5 of this Annual Report shall not be deemed to be \u201csoliciting material\u201d or to be\n\u201cfiled\u201d with the SEC or subject to Regulation 14A or 14C, or to the liabilities of Section 18 of the Exchange Act.\nItem 6\n. \nReserved.\n49", "9a0eb575-a273-4472-8fb4-acda46d67804": "Table of Contents\nItem 7. Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations.\nThe following discussion and analysis is intended to help the reader understand our business, financial condition, results of operations, and liquidity and\ncapital resources. You should read this discussion in conjunction with our consolidated financial statements and the related notes contained elsewhere in this Annual\nReport, and Part II, Item 7 \u201cManagement's Discussion and Analysis of Financial Condition and Results of Operations\u201d of our Form 10-K for the fiscal year ended\nMarch 31, 2023, which provides additional information on comparisons of fiscal 2023 and 2022.\nThe statements in this discussion regarding industry outlook, our expectations regarding our future performance, liquidity and capital resources, and other\nnon-historical statements in this discussion are forward-looking statements. These forward-looking statements are subject to numerous risks and uncertainties,\nincluding, but not limited to, the risks and uncertainties described in \u201cItem 1A. Risk Factors\u201d and \u201cIntroductory Note \u2014 Cautionary Note Regarding Forward-\nLooking Statements\u201d. Our actual results may differ materially from those contained in or implied by any forward-looking statements.\nOur fiscal year ends March 31 and, unless otherwise noted, references to years or fiscal are for fiscal years ended March 31. See \u201c\u2014 Results of Operations.\u201d\nOverview\nTrusted to transform missions with the power of tomorrow\u2019s technologies, Booz Allen advances the nation\u2019s most critical civil, defense, and national security\npriorities. Our ability to deliver value to our clients has always been, and continues to be, a product of the strong character, expertise and tremendous passion of our\npeople. Our approximately 34,200 employees work to solve hard problems by making clients' missions their own, combining decades of consulting and domain expertise\nwith functional expertise in areas such as analytics, digital solutions, engineering, and cyber, all fostered by a culture of innovation that extends to all reaches of the\nCompany.\nThrough our dedication to our clients' missions, and a commitment to evolving our business to address their needs, we have longstanding relationships with our\nclients, the longest of which is more than 80 years. We support critical missions for a diverse base of federal government clients, including nearly all of the\nU.S. government's cabinet-level departments, as well as for commercial clients, both domestically and internationally. We support our federal government clients by\nhelping them tackle their most complex and pressing challenges such as protecting soldiers in combat and supporting their families, advancing cyber capabilities,\nsecuring our national infrastructure, enabling and enhancing digital services, transforming the healthcare system, and improving government efficiency to achieve better\noutcomes. Drawing on deep understanding and leading positions in cybersecurity, we serve commercial clients across industries including financial services, health and\nlife sciences, energy, and technology.\nFinancial and Other Highlights\nDuring fiscal 2024, the Company generated year over year revenue growth and increased client staff headcount. Revenue increased 15.2% from fiscal 2023 to fiscal\n2024 primarily driven by strong demand for our services and solutions and\n an increase in headcount to meet that demand.\nOperating income increased 126.8% to $1,013.4 million in fiscal 2024 from $446.8 million in fiscal 2023, which reflects an increase in operating margin to 9.5% from\n4.8% in the comparable year. Operating income was driven by the same drivers benefiting revenue growth, as well as strong contract-level performance coupled with\nongoing cost management efforts. Margins in the prior year were impacted by a $350.0 million reserve associated with the Department of Justice\u2019s investigation of the\nCompany (see Note 20, \u201cCommitments and Contingencies,\u201d to the consolidated financial statements for further information), as compared to a $27.5 million reserve in the\ncurrent year.\n50", "d7dfc3c2-5cbe-4a3c-ae0e-0dc1552ab0e4": "Table of Contents\nNon-GAAP Measures\nWe publicly disclose certain non-GAAP financial measurements, including Revenue, Excluding Billable Expenses, Adjusted Operating Income, Adjusted EBITDA,\nAdjusted EBITDA Margin on Revenue, Adjusted EBITDA Margin on Revenue, Excluding Billable Expenses, Adjusted Net Income, and Adjusted Diluted Earnings Per\nShare, or Adjusted Diluted EPS, because management uses these measures for business planning purposes, including to manage our business against internal projected\nresults of operations and measure our performance. We view Adjusted Operating Income, Adjusted EBITDA, Adjusted EBITDA Margin on Revenue, Adjusted EBITDA\nMargin on Revenue, Excluding Billable Expenses, Adjusted Net Income, and Adjusted Diluted EPS as measures of our core operating business, which exclude the impact\nof the items detailed below, as these items are generally not operational in nature. These non-GAAP measures also provide another basis for comparing period to period\nresults by excluding potential differences caused by non-operational and unusual or non-recurring items. In addition, we use Revenue, Excluding Billable Expenses\nbecause it provides management useful information about the Company's operating performance by excluding the impact of costs that are not indicative of the level of\nproductivity of our client staff headcount and our overall direct labor, which management believes provides useful information to our investors about our core\noperations. We also utilize and discuss Free Cash Flow because management uses this measure for business planning purposes, measuring the cash generating ability of\nthe operating business, and measuring liquidity generally. We present these supplemental measures because we believe that these measures provide investors and\nsecurities analysts with important supplemental information with which to evaluate our performance, long-term earnings potential, or liquidity, as applicable, and to\nenable them to assess our performance on the same basis as management. These supplemental performance measurements may vary from and may not be comparable to\nsimilarly titled measures by other companies in our industry. Revenue, Excluding Billable Expenses, Adjusted Operating Income, Adjusted EBITDA, Adjusted EBITDA\nMargin on Revenue, Adjusted EBITDA Margin on Revenue, Excluding Billable Expenses, Adjusted Net Income, Adjusted Diluted EPS, and Free Cash Flow are not\nrecognized measurements under accounting principles generally accepted in the United States, or GAAP, and when analyzing our performance or liquidity, as applicable,\ninvestors should (i) evaluate each adjustment in our reconciliation of revenue to Revenue, Excluding Billable Expenses, operating income to Adjusted Operating Income,\nnet income to Adjusted EBITDA, Adjusted EBITDA Margin on Revenue, Adjusted EBITDA Margin on Revenue, Excluding Billable Expenses, Adjusted Net Income and\nAdjusted Diluted Earnings Per Share, and net cash provided by operating activities to Free Cash Flow, (ii) use Revenue, Excluding Billable Expenses, Adjusted Operating\nIncome, Adjusted EBITDA, Adjusted EBITDA Margin on Revenue, Adjusted EBITDA Margin on Revenue, Excluding Billable Expenses, Adjusted Net Income, and\nAdjusted Diluted EPS in addition to, and not as an alternative to, revenue, operating income, net income or diluted EPS, as measures of operating results, each as defined\nunder GAAP and (iii) use Free Cash Flow in addition to, and not as an alternative to, net cash provided by operating activities as a measure of liquidity, each as defined\nunder GAAP. We have defined the aforementioned non-GAAP measures as follows:\n\u2022\n\u201cRevenue, Excluding Billable Expenses\u201d represents revenue less billable expenses. We use Revenue, Excluding Billable Expenses because it provides\nmanagement useful information about the Company's operating performance by excluding the impact of costs that are not indicative of the level of productivity\nof our client staff headcount and our overall direct labor, which management believes provides useful information to our investors about our core operations.\n\u2022\n\u201cAdjusted Operating Income\u201d represents operating income before the change in provision for claimed indirect costs, acquisition and divestiture costs, financing\ntransaction costs, significant acquisition amortization, DC tax assessment adjustment, the reserve associated with the U.S. Department of Justice investigation\ndisclosed in Note 20, \u201cCommitments and Contingencies,\u201d to the consolidated financial statements in the Company\u2019s annual report on Form 10-K, and\nrestructuring costs. We prepare Adjusted Operating Income to eliminate the impact of items we do not consider indicative of ongoing operating performance\ndue to their inherent unusual, extraordinary, or non-recurring nature or because they result from an event of a similar nature.", "25b72427-87e5-490f-82f1-4799a3e6c072": "\u2022\n\u201cAdjusted Operating Income\u201d represents operating income before the change in provision for claimed indirect costs, acquisition and divestiture costs, financing\ntransaction costs, significant acquisition amortization, DC tax assessment adjustment, the reserve associated with the U.S. Department of Justice investigation\ndisclosed in Note 20, \u201cCommitments and Contingencies,\u201d to the consolidated financial statements in the Company\u2019s annual report on Form 10-K, and\nrestructuring costs. We prepare Adjusted Operating Income to eliminate the impact of items we do not consider indicative of ongoing operating performance\ndue to their inherent unusual, extraordinary, or non-recurring nature or because they result from an event of a similar nature.\n\u2022\n\u201cAdjusted EBITDA\u201d represents net income attributable to common stockholders before income taxes, net interest and other expense and depreciation and\namortization and before certain other items, including the change in provision for claimed indirect costs, acquisition and divestiture costs, acquisition and\ndivestiture costs, financing transaction costs, DC tax assessment adjustment, the reserve associated with the U.S. Department of Justice investigation disclosed\nin Note 20, \u201cCommitments and Contingencies,\u201d to the consolidated statements, and restructuring costs. \u201cAdjusted EBITDA Margin on Revenue\u201d is calculated\nas Adjusted EBITDA divided by revenue. \u201cAdjusted EBITDA Margin on Revenue, Excluding Billable Expenses\u201d is calculated as Adjusted EBITDA divided by\nRevenue, Excluding Billable Expenses. The Company prepares Adjusted EBITDA, Adjusted EBITDA Margin on Revenue, and Adjusted EBITDA Margin on\nRevenue, Excluding Billable Expenses to eliminate the impact of items it does not consider indicative of ongoing operating performance due to their inherent\nunusual, extraordinary or non-recurring nature or because they result from an event of a similar nature.\n51", "affe1216-b34f-4493-aef1-f8edd474a026": "Table of Contents\n\u2022\n\u201cAdjusted Net Income\u201d represents net income attributable to common stockholders before: (i) the change in provision for claimed indirect costs, (ii) acquisition\nand divestiture costs, (iii) financing transaction costs, (iv) significant acquisition amortization, (v) DC tax assessment adjustment, (vi) the reserve associated with\nthe U.S. Department of Justice investigation disclosed in Note 20, \u201cCommitments and Contingencies,\u201d to the consolidated financial statements in the Company\u2019s\nannual report on Form 10-K, (vii) restructuring costs, (viii) valuation adjustments to cost method investments, (iv) gains associated with equity method\ninvestment activity, (x) gains associated with divestitures or deconsolidation, and (xi) amortization or write-off of debt issuance costs and debt discount, in each\ncase net of the tax effect where appropriate calculated using an assumed effective tax rate. We prepare Adjusted Net Income to eliminate the impact of items, net\nof tax, we do not consider indicative of ongoing operating performance due to their inherent unusual, extraordinary, or non-recurring nature or because they\nresult from an event of a similar nature. We view net income excluding the impact of the re-measurement of the Company's deferred tax assets and liabilities as an\nimportant indicator of performance consistent with the manner in which management measures and forecasts the Company's performance and the way in which\nmanagement is incentivized to perform.\n\u2022\n\u201cAdjusted Diluted EPS\u201d represents diluted EPS calculated using Adjusted Net Income as opposed to net income. Additionally, Adjusted Diluted EPS does not\ncontemplate any adjustments to net income as required under the two-class method as disclosed in the footnotes to the consolidated financial statements.\n\u2022\n\u201cFree Cash Flow\u201d represents the net cash generated from operating activities less the impact of purchases of property, equipment, and software.\nBelow is a reconciliation of Revenue, Excluding Billable Expenses, Adjusted Operating Income, Adjusted EBITDA, Adjusted EBITDA Margin on Revenue,\nAdjusted EBITDA Margin on Revenue, Excluding Billable Expenses, Adjusted Net Income, Adjusted Diluted EPS, and Free Cash Flow to the most directly comparable\nfinancial measure calculated and presented in accordance with GAAP. \n52", "707212a5-1ea6-4df3-b577-d62aeb59fa37": "Table of Contents\n \nFiscal Year Ended\n March 31,\n(Amounts in thousands, except share and per share\ndata)\n2024\n2023\n2022\n \n(Unaudited)\nRevenue, Excluding Billable Expenses\nRevenue\n$\n10,661,896 \n$\n9,258,911 \n$\n8,363,700 \nLess: Billable expenses\n3,281,776 \n2,808,857 \n2,474,163 \nRevenue, Excluding Billable Expenses\n$\n7,380,120 \n$\n6,450,054 \n$\n5,889,537 \nAdjusted Operating Income\nOperating Income\n$\n1,013,403 \n$\n446,848 \n$\n685,181 \nChange in provision for claimed indirect costs (a)\n(18,345)\n\u2014 \n\u2014 \nAcquisition and divestiture costs (b)\n7,580 \n44,269 \n97,485 \nFinancing transaction costs (c)\n820 \n6,888 \n2,348 \nSignificant acquisition amortization (d)\n53,897 \n51,553 \n38,295 \nDC tax assessment adjustment \n(e)\n(20,050)\n\u2014 \n\u2014 \nLegal matter reserve (f)\n27,453 \n350,000 \n\u2014 \nRestructuring costs (g)\n\u2014 \n\u2014 \n4,164 \nAdjusted Operating Income\n$\n1,064,758 \n$\n899,558 \n$\n827,473 \nEBITDA, Adjusted EBITDA, Adjusted EBITDA Margin on Revenue & Adjusted EBITDA Margin on Revenue, Excluding Billable Expenses\nNet income attributable to common stockholders\n$\n605,706 \n$\n271,791 \n$\n466,740 \nIncome tax expense\n247,614 \n96,734 \n137,466 \nInterest and other, net (h)\n160,083 \n78,899 \n81,138 \nDepreciation and amortization\n164,203 \n165,484 \n145,747 \nEBITDA\n1,177,606 \n612,908 \n831,091 \nChange in provision for claimed indirect costs (a)\n(18,345)\n\u2014 \n\u2014 \nAcquisition and divestiture costs (b)\n7,580 \n44,269 \n97,485 \nFinancing transaction costs (c)\n820 \n6,888 \n2,348 \nDC tax assessment adjustment \n(e)\n(20,050)\n\u2014 \n\u2014 \nLegal matter reserve (f)\n27,453 \n350,000 \n\u2014 \nRestructuring costs (g)\n\u2014 \n\u2014 \n4,164 \nAdjusted EBITDA\n$\n1,175,064 \n$\n1,014,065 \n$\n935,088 \nNet income margin attributable to common\nstockholders\n5.7 \n%\n2.9 \n%\n5.6 \n%\nAdjusted EBITDA Margin on Revenue\n11.0 \n%\n11.0 \n%\n11.2 \n%\nAdjusted EBITDA Margin on Revenue, Excluding\nBillable Expenses\n15.9 \n%\n15.7 \n%\n15.9 \n%\n*\n53", "33183ce6-b239-4d9e-b04a-b85bec41674b": "Table of Contents\nFiscal Year Ended\n March 31,\n(Amounts in thousands, except share and per share data)\n2024\n2023\n2022\n(Unaudited)\nAdjusted Net Income\nNet income attributable to common stockholders\n$\n605,706 \n$\n271,791 \n$\n466,740 \nChange in provision for claimed indirect costs (a)\n(18,345)\n\u2014 \n\u2014 \nAcquisition and divestiture costs (b)\n7,580 \n44,269 \n97,485 \nFinancing transaction costs (c)\n820 \n6,888 \n2,348 \nSignificant acquisition amortization (d)\n53,897 \n51,553 \n38,295 \nDC tax assessment adjustment (e)\n(20,050)\n\u2014 \n\u2014 \nLegal matter reserve (f)\n27,453 \n350,000 \n\u2014 \nRestructuring costs (g)\n\u2014 \n\u2014 \n4,164 \nValuation adjustments to cost method investments (i)\n5,669 \n\u2014 \n\u2014 \nGains associated with equity method investment\nactivity (j)\n\u2014 \n\u2014 \n(12,761)\nGains associated with divestitures or deconsolidation\n(k)\n\u2014 \n(44,632)\n\u2014 \nAmortization or write-off of debt issuance costs and\ndebt discount\n4,017 \n6,554 \n3,340 \nAdjustments for tax effect (l)\n52,218 \n(81,389)\n(31,399)\nAdjusted Net Income\n$\n718,965 \n$\n605,034 \n$\n568,212 \nAdjusted Diluted Earnings Per Share\nWeighted-average number of diluted shares\noutstanding\n130,815,903 \n132,716,436 \n134,850,808 \nDiluted earnings per share\n$\n4.59 \n$\n2.03 \n$\n3.44 \nAdjusted Net Income Per Diluted Share (m)\n$\n5.50 \n$\n4.56 \n$\n4.21 \nFree Cash Flow\nNet cash provided by operating activities\n$\n258,838 \n$\n602,822 \n$\n736,526 \nLess: Purchases of property, equipment and software\n(66,699)\n(76,130)\n(79,964)\nFree Cash Flow\n$\n192,139 \n$\n526,692 \n$\n656,562 \nOperating cash flow conversion\n43 \n%\n222 \n%\n158 \n%\nFree cash flow conversion\n27 \n%\n87 \n%\n116 \n%\n* Revenue, Excluding Billable Expenses includes $18.3 million of revenue\n resulting from the reduction to our provision\nfor claimed indirect costs (see note (a) below), and $20.1 million of revenue resulting from the impact of the Company's\nunfavorable ruling from the District of Columbia Court of Appeals (see note (e) below).\n(a)\nRepresents the reduction to our provision for claimed indirect costs recorded during the second quarter of fiscal 2024, which resulted in a corresponding\nincrease to revenue, as a result of the Defense Contract Audit Agency's findings related to its audit of our claimed indirect costs for fiscal 2022. See Note 20,\n\u201cCommitments and Contingencies,\u201d to the consolidated financial statements for further information.\n(b)\nRepresents costs associated with the acquisition efforts of the Company related to transactions for which the Company has entered into a letter of intent to\nacquire a controlling financial interest in the target entity, as well as the divestiture costs incurred in divesting a portion of our business. Acquisition and\ndivestiture costs primarily include costs associated with (i) buy-side and sell-side due diligence activities, (ii) compensation expenses associated with employee\nretention, and (iii) legal and advisory fees, primarily associated with the acquisitions of Liberty IT Solutions, LLC (\u201cLiberty\u201d) and Tracepoint Holdings, LLC\n(\u201cTracepoint\u201d) in fiscal 2022, and the acquisition of EverWatch Corp. (\u201cEverWatch\u201d) and the divestitures of our management consulting business serving the\nMiddle East and North Africa (\u201cMENA\u201d) and our Managed Threat Services business (\u201cMTS\u201d) in fiscal 2023. See Note 5, \u201cAcquisition and Divestitures,\u201d to the\nconsolidated financial statements for further information.\n(c)\nReflects expenses associated with debt financing activities incurred during the second quarters of fiscal 2024 and 2023.\n(d)\nAmortization expense associated with acquired intangibles from significant acquisitions. Significant acquisitions include acquisitions which the Company\nconsiders to be beyond the scope of our normal operations. Significant acquisition amortization includes amortization expense associated with the acquisition of\nLiberty in the second quarter of fiscal 2022 and EverWatch in the third quarter of fiscal 2023\n.\n54", "dc8fa80d-75ff-4d7b-898c-580798c600da": "Table of Contents\n(e)\nReflects the impact (specifically the revenue from recoverable expenses) of the Company's unfavorable ruling from the District of Columbia Court of Appeals\nrelated to contested tax assessments from the District of Columbia Office of Tax and Revenue (\u201cDC OTR\u201d). See Note 13, \u201cIncome Taxes,\u201d to the consolidated\nfinancial statements for further information.\n(f)\nReserve associated with the U.S. Department of Justice's investigation of the Company. See Note 20, \u201cCommitments and Contingencies,\u201d to the consolidated\nfinancial statements for further information.\n(g)\nRepresents restructuring charges of $8.3 million incurred during the fourth quarter of fiscal 2022, net of approximately $4.2 million of revenue recognized on\nrecoverable expenses, associated with severance costs of a restructuring plan to reduce certain executive administrative personnel costs.\n(h)\nReflects the combination of Interest expense and Other income, net from the consolidated statement of operations.\n(i)\nRepresents non-recurring valuation adjustments to the Company's cost method investments, primarily the write-off of one of its investments.\n(j)\nRepresents (i) a gain in the second quarter of fiscal 2022 associated with the Company's previously held equity method investment in Tracepoint and (ii) a gain in\nthe third quarter of fiscal 2022 associated with the divestiture of a controlling financial interest in SnapAttack.\n(k)\nRepresents the gain recognized on the divestitures of the Company's MENA business in the second quarter of fiscal 2023, its MTS business in the third quarter\nof fiscal 2023, and the gain on the deconsolidation of an artificial intelligence software platform business in the third quarter of fiscal 2023.\n(l)\nReflects the tax effect of adjustments at an assumed effective tax rate of 26%, which \na\npproximates the blended federal and state tax rates, and consistently\nexcludes the impact of other tax credits and incentive benefits realized. The tax effect of certain discrete items is calculated specifically and may vary from the\ngeneral 26% rate. The tax effect also includes the indirect effects of uncertainty around the application of Section 174 of the Tax Cuts and Jobs Act of 2017\n($(22.0) million for fiscal 2024, and $22.0 million for fiscal 2023), and the impact of the Company's unfavorable ruling from the District of Columbia Court of\nAppeals related to contested tax assessments from the DC OTR ($42.7 million for the three and twelve months ended March 31, 2024, respectively). See Note 13,\n\u201cIncome Taxes,\u201d to the consolidated financial statements for further information.\n(m)\nExcludes adjustments of approximately $5.0 million, $2.1 million, and $3.1 million of net earnings for fiscal 2024, 2023, and 2022, respectively, associated with the\napplication of the two-class method for computing diluted earnings per share.\nFactors and Trends Affecting Our Results of Operations\nOur results of operations have been, and we expect them to continue to be, affected by the following factors, which may cause our future results of operations to\ndiffer from our historical results of operations discussed under \u201c\u2014Results of Operations.\u201d\nBusiness Environment and Key Trends in Our Markets\nWe believe that the following trends and developments in the U.S. government services industry and our markets may influence our future results of operations:\n\u2022\nuncertainty around the timing, extent, nature and effect of Congressional and other U.S. government actions to approve funding of the U.S. government, address\nbudgetary constraints, including caps on the discretionary budget for defense and non-defense departments and agencies, as established by the Bipartisan\nBudget Control Act of 2011 (\u201cBCA\u201d) and subsequently adjusted by the American Taxpayer Relief Act of 2012, the Bipartisan Budget Act of 2013, the Bipartisan\nBudget Act of 2015, the Bipartisan Budget Act of 2018, and the Bipartisan Budget Act of 2019, the Coronavirus Aid, Relief, and Economic Security Act (the\n\u201cCARES Act\u201d), and the Consolidated Appropriations Act of 2021, and address the ability of Congress to determine how to allocate the available budget\nauthority and pass appropriations bills to fund both U.S. government departments and agencies that are, and those that are not, subject to the caps;\n\u2022\nbudget deficits and the growing U.S. national debt increasing pressure on the U.S. government to reduce federal spending across all federal agencies together\nwith associated uncertainty about the size and timing of those reductions;\n55", "d3481d3f-1d0e-47da-9ade-d1778ae104e5": "Table of Contents\n\u2022\ncost-cutting and efficiency initiatives, current and future budget restrictions, continued implementation of Congressionally mandated automatic spending cuts,\nand other efforts to reduce U.S. government spending could cause clients to reduce or delay funding for orders for services or invest appropriated funds on a\nless consistent or rapid basis or not at all, particularly when considering long-term initiatives and in light of current uncertainty around Congressional efforts to\ncraft a long-term agreement on the U.S. government's ability to incur indebtedness in excess of its current limits, and generally in the current political\nenvironment, there is a risk that clients will not issue task orders in sufficient volume to reach current contract ceilings, alter historical patterns of contract\nawards, including the typical increase in the award of task orders or completion of other contract actions by the U.S. government in the period before the end of\nthe U.S. government's fiscal year on September 30, delay requests for new proposals and contract awards, rely on short-term extensions and funding of current\ncontracts, or reduce staffing levels and hours of operation;\n\u2022\ndelays in the completion of future U.S. government\u2019s budget processes, which have in the past and could in the future delay procurement of the products,\nservices, and solutions we provide;\n\u2022\nchanges in the relative mix of overall U.S. government spending and areas of spending growth, with lower spending on homeland security, intelligence, defense-\nrelated programs as certain overseas operations end, and continued increased spending on cybersecurity, Command, Control, Communications, Computers,\nIntelligence, Surveillance, and Reconnaissance (C4ISR), advanced analytics, technology integration, and healthcare, including as a result of the presidential and\nadministration transition;\n\u2022\nthe extent, nature and effect of disease outbreaks, pandemics and widespread health epidemics, such as COVID-19, including the impact on federal budgets,\ncurrent and pending procurements, supply chains, demand for services, deployment and productivity of our employees and the economic and societal impact of\na pandemic, and the expected continued volatility in billable expenses;\n\u2022\nincreased inflationary pressure that could impact the cost of doing business and/or reduce customer buying power;\n\u2022\nrisks related to a possible recession and volatility or instability of the global financial system, including bank failures and the resulting impact on counterparties\nand business conditions generally;\n\u2022\nlegislative and regulatory changes, or shifts in regulatory priorities as a result of U.S. administration transitions, including limitations on the amount of allowable\nexecutive compensation permitted under flexibly priced contracts following implementation of interim rules adopted by federal agencies pursuant to the\nBipartisan Budget Act of 2013, which substantially further reduce the amount of allowable executive compensation under these contracts and extend these\nlimitations to a larger segment of our executives and our entire contract base;\n\u2022\nefforts by the U.S. government to address organizational conflicts of interest and related issues and the impact of those efforts on us and our competitors;\n\u2022\nincreased audit, review, investigation, and general scrutiny by U.S. government agencies of government contractors' performance under U.S. government\ncontracts and compliance with the terms of those contracts and applicable laws;\n\u2022\nthe federal focus on refining the definition of \u201cinherently governmental\u201d work, including proposals to limit contractor access to sensitive or classified\ninformation and work assignments, which will continue to drive pockets of insourcing in various agencies, particularly in the intelligence market;\n\u2022\nnegative publicity and increased scrutiny of government contractors in general, including us, relating to U.S. government expenditures for contractor services\nand incidents involving the mishandling of sensitive or classified information;\n\u2022\nU.S. government agencies awarding contracts on a technically acceptable/lowest cost basis, which could have a negative impact on our ability to win certain\ncontracts;\n\u2022\nincreased competition from other government contractors and market entrants seeking to take advantage of certain of the trends identified above, and an\nindustry trend towards consolidation, which may result in the emergence of companies that are better able to compete against us;\n\u2022\ncost cutting and efficiency and effectiveness efforts by U.S. civilian agencies with a focus on increased use of performance measurement, \u201cprogram integrity\u201d\nefforts to reduce waste, fraud and abuse in entitlement programs, and renewed focus on improving procurement practices for and interagency use of IT services,\nincluding through the use of cloud based options and data center consolidation;\n\u2022\nrestrictions by the U.S. government on the ability of federal agencies to use lead system integrators, in response to cost, schedule, and performance problems\nwith large defense acquisition programs where contractors were performing the lead system integrator role;\n56", "492058d1-928d-4878-b4a1-277f43ba3086": "Table of Contents\n\u2022\nincreasingly complex requirements and enforcement and reporting landscapes of the Department of Defense and the U.S. intelligence community, including\ncybersecurity, managing federal health care cost growth, competition, and focus on reforming existing government regulation of various sectors of the economy,\nsuch as financial regulation and healthcare; and\n\u2022\nincreasing small business regulations across the Department of Defense and civilian agency clients continue to gain traction, agencies are required to meet high\nsmall business set aside targets, and large business prime contractors are required to subcontract in accordance with considerable small business participation\ngoals necessary for contract award.\nSources of Revenue\nSubstantially all of our revenue is derived from services provided under contracts and task orders with the U.S. government, primarily by our client staff and, to a\nlesser extent, our subcontractors. Funding for our contracts and task orders is generally linked to trends in budgets and spending across various U.S. government\nagencies and departments. We provide services under a large portfolio of contracts and contract vehicles to a broad client base, and we believe that our diversified\ncontract and client base lessens potential volatility in our business; however, a reduction in the amount of services that we are contracted to provide to the U.S.\ngovernment or any of our significant U.S. government clients could have a material adverse effect on our business and results of operations. In particular, the Department\nof Defense is one of our significant clients, and the BCA originally required nine automatic spending cuts (referred to as \u201csequestration\u201d) of $109 billion annually from\n2013 to 2021, half of which was intended to com\ne from defense programs, though less than $1 billion has been cut for defense programs per year under the BCA.\nMandatory sequestrations under the BCA were subsequently extended by the Bipartisan Budget Acts of 2013, 2015, 2018 and 2019, the Military Retired Pay Restoration\nAct, the CARES Act and the Infrastructure Investment and Jobs Act. The extension of the mandatory sequestration applies an 8.3% reduction in defense spending in\neach year from 2021 through 2031. This could result in a commensurate reduction in the amount of services that we are contracted to provide to the Department of\nDefense and could hav\ne a material adverse effect on our business and results of operations, and given the uncertainty of when and how these automatic reductions\nrequired by the BCA may return and/or be applied, we are unable to predict the nature or magnitude of the potential adverse effect.\nContract Types\nWe generate revenue under the following three basic types of contracts:\n\u2022\nCost-Reimbursable Contracts.\n Cost-reimbursable contracts provide for the payment of allowable costs incurred during performance of the contract, up to a\nceiling based on the amount that has been funded, plus a fixed fee or award fee. As we increase or decrease our spending on allowable costs, our revenue\ngenerated on cost-reimbursable contracts will increase, up to the ceiling and funded amounts, or decrease, respectively. We generate revenue under two general\ntypes of cost-reimbursable contracts: cost-plus-fixed-fee and cost-plus-award-fee, both of which reimburse allowable costs and provide for a fee. The fee under\neach type of cost-reimbursable contract is generally payable upon completion of services in accordance with the terms of the contract. Cost-plus-fixed-fee\ncontracts offer no opportunity for payment beyond the fixed fee. Cost-plus-award-fee contracts also provide for an award fee that varies within specified limits\nbased upon the client\u2019s assessment of our performance against a predetermined set of criteria, such as targets for factors like cost, quality, schedule, and\nperformance.\n\u2022\nTime-and-Materials Contracts.\n Under contracts in this category, we are paid a fixed hourly rate for each direct labor hour expended, and we are reimbursed for\nbillable material costs and billable out-of-pocket expenses inclusive of allocable indirect costs. We assume the financial risk on time-and-materials contracts\nbecause our costs of performance may exceed negotiated hourly rates. To the extent our actual direct labor, including allocated indirect costs, and associated\nbillable expenses decrease or increase in relation to the fixed hourly billing rates provided in the contract, we will generate more or less profit, respectively, or\ncould incur a loss.\n\u2022\nFixed-Price Contracts.\n Under a fixed-price contract, we agree to perform the specified work for a predetermined price.", "ce0d303a-b7fd-446d-8398-773561d247d0": "\u2022\nTime-and-Materials Contracts.\n Under contracts in this category, we are paid a fixed hourly rate for each direct labor hour expended, and we are reimbursed for\nbillable material costs and billable out-of-pocket expenses inclusive of allocable indirect costs. We assume the financial risk on time-and-materials contracts\nbecause our costs of performance may exceed negotiated hourly rates. To the extent our actual direct labor, including allocated indirect costs, and associated\nbillable expenses decrease or increase in relation to the fixed hourly billing rates provided in the contract, we will generate more or less profit, respectively, or\ncould incur a loss.\n\u2022\nFixed-Price Contracts.\n Under a fixed-price contract, we agree to perform the specified work for a predetermined price. To the extent our actual direct and\nallocated indirect costs decrease or increase from the estimates upon which the price was negotiated, we will generate more or less profit, respectively, or could\nincur a loss. Some fixed-price contracts have a performance-based component, pursuant to which we can earn incentive payments or incur financial penalties\nbased on our performance. Fixed-price level of effort contracts require us to provide a specified level of effort (i.e., labor hours), over a stated period of time, for a\nfixed price.\n57", "8e24ecc4-b628-430e-b558-a7af8bc4bf4f": "Table of Contents\nThe amount of risk and potential reward varies under each type of contract. Under cost-reimbursable contracts, there is limited financial risk, because we are\nreimbursed for all allowable costs up to a ceiling. However, profit margins on this type of contract tend to be lower than on time-and-materials and fixed-price contracts.\nUnder time-and-materials contracts, we are reimbursed for the hours worked using the predetermined hourly rates for each labor category. In addition, we are typically\nreimbursed for other contract direct costs and expenses at cost. We assume financial risk on time-and-materials contracts because our labor costs may exceed the\nnegotiated billing rates. Profit margins on well-managed time-and-materials contracts tend to be higher than profit margins on cost-reimbursable contracts as long as we\nare able to staff those contracts with people who have an appropriate skill set. Under fixed-price contracts, we are required to deliver the objectives under the contract for\na predetermined price. Compared to time-and-materials and cost-reimbursable contracts, fixed-price contracts generally offer higher profit margin opportunities because\nwe receive the full benefit of any cost savings but generally involve greater financial risk because we bear the impact of any cost overruns. In the aggregate, the contract\ntype mix in our revenue for any given period will affect that period's profitability. Changes in contract type as a result of re-competes and new business could influence\nthe percentage/mix in unanticipated ways. See \u201cItem 1A. Risk Factors\u2014Industry and Economic Risks.\u201d\nThe table below presents the percentage of total revenue for each type of contract for the respective periods shown:\n \n \nFiscal Year Ended\n March 31,\n \n2024\n2023\n2022\nCost-reimbursable\n55%\n53%\n54%\nTime-and-materials\n24%\n25%\n24%\nFixed-price\n21%\n22%\n22%\nContract Diversity and Revenue Mix\nWe provide services to our clients through a large number of single award contracts, contract vehicles, and multiple award contract vehicles. Most of our revenue\nis generated under indefinite delivery/indefinite quantity, or IDIQ, contract vehicles, which include multiple award government wide acquisition contract vehicles, or\nGWACs, and General Services Administration Multiple Award Schedule Contracts, or GSA schedules, and certain single award contracts. GWACs and GSA schedules\nare available to all U.S. government agencies. Any number of contractors typically competes under multiple award IDIQ contract vehicles for task orders to provide\nparticular services, and we earn revenue under these contract vehicles only to the extent that we are successful in the bidding process for task orders. No single task\norder under any IDIQ contract represented more than 4.5% of our revenue in fiscal 2024. No single definite contract accounted for more than 0.7% of our revenue in fiscal\n2024.\nWe generate revenue under our contracts and task orders through our provision of services as both a prime contractor and subcontractor, as well as from the\nprovision of services by subcontractors under contracts and task orders for which we act as the prime contractor. For fiscal 2024, 2023, and 2022, 95%, 95%, and 94%,\nrespectively, of our revenue was generated by contracts and task orders for which we served as a prime contractor; 5%, 5%, and 6%, respectively, of our revenue was\ngenerated by contracts and task orders for which we served as a subcontractor; and 25%, 25%, and 24%, respectively, of our revenue was generated by services\nprovided by our subcontractors. The mix of these types of revenue affects our operating margin. Substantially all of our operating margin is derived from direct client staff\nlabor as the portion of our operating margin derived from fees we earn on services provided by our subcontractors is not significant. We view growth in direct client staff\nlabor as the primary driver of earnings growth. Direct client staff labor growth is driven by client staff headcount growth, after attrition, and total backlog growth.\nOur People\nRevenue from our contracts is derived from services delivered by client staff and, to a lesser extent, from our subcontractors. Our ability to hire, retain, and deploy\ntalent with skills appropriately aligned with client needs is critical to our ability to grow our revenue. We continuously evaluate whether our talent base is properly sized\nand appropriately compensated, and contains an optimal mix of skills to be cost competitive and meet the rapidly evolving needs of our clients. We seek to achieve that\nresult through recruitment and management of capacity and compensation.", "c665a444-d7f3-48f6-9fa3-35a9d51eb394": "Substantially all of our operating margin is derived from direct client staff\nlabor as the portion of our operating margin derived from fees we earn on services provided by our subcontractors is not significant. We view growth in direct client staff\nlabor as the primary driver of earnings growth. Direct client staff labor growth is driven by client staff headcount growth, after attrition, and total backlog growth.\nOur People\nRevenue from our contracts is derived from services delivered by client staff and, to a lesser extent, from our subcontractors. Our ability to hire, retain, and deploy\ntalent with skills appropriately aligned with client needs is critical to our ability to grow our revenue. We continuously evaluate whether our talent base is properly sized\nand appropriately compensated, and contains an optimal mix of skills to be cost competitive and meet the rapidly evolving needs of our clients. We seek to achieve that\nresult through recruitment and management of capacity and compensation. As of March 31, 2024, 2023, and 2022, we employed approximately 34,200, 31,900, and 29,300\npeople, respectively, of which approximately 31,200, 29,100, and 26,300, respectively, were client staff.\nContract Backlog\nWe define backlog to include the following three components:\n\u2022\nFunded Backlog.\n Funded backlog represents the revenue value of orders for services under existing contracts for which funding is appropriated or otherwise\nauthorized less revenue previously recognized on these contracts.\n\u2022\nUnfunded Backlog.\n Unfunded backlog represents the revenue value of orders (including optional orders) for services under existing contracts for which funding\nhas not been appropriated or otherwise authorized.\n58", "e07fc6c1-1711-4af5-84e2-644ea9292d54": "Table of Contents\n\u2022\nPriced Options.\n Priced contract options represent 100% of the revenue value of all future contract option periods under existing contracts that may be exercised\nat our clients\u2019 option and for which funding has not been appropriated or otherwise authorized.\nOur backlog does not include contracts that have been awarded but are currently under protest and also does not include any task orders under IDIQ contracts,\nexcept to the extent that task orders have been awarded to us under those contracts.\nThe following table summarizes the value of our contract backlog as of the respective periods shown:\n \n \nFiscal Year Ended\n March 31,\n \n2024\n2023\n2022\n \n(In millions)\nBacklog: \nFunded\n$\n4,822 \n$\n4,619 \n$\n3,710 \nUnfunded\n9,463 \n9,519 \n9,925 \nPriced options\n19,533 \n17,064 \n15,612 \nTotal backlog\n$\n33,818 \n$\n31,202 \n$\n29,247 \nBacklog presented as of March 31, 2023 includes $282 million of backlog for EverWatch Corp., which was acquired during fiscal 2023. Original backlog value\nat acquisition was $292 million.\nOur total backlog consists of remaining performance obligations, certain orders under contracts for which the period of performance has expired, and unexercised\noption period and other unexercised optional orders. As of March 31, 2024 and March 31, 2023, the Company had $8.7 billion and $7.9 billion of remaining performance\nobligations, respectively, and we expect to recognize approximately 70% of the remaining performance obligations as of March 31, 2024 as revenue over the next 12\nmonths, and approximately 80% over the next 24 months. The remainder is expected to be recognized thereafter. However, given the uncertainties discussed below, as\nwell as the risks described in \u201cItem 1A. Risk Factors,\u201d we can give no assurance that we will be able to convert our backlog into revenue in any particular period, if at all.\nOur backlog includes orders under contracts that in some cases extend for several years. The U.S. Congress generally appropriates funds for our clients on a yearly basis,\neven though their contracts with us may call for performance that is expected to take a number of years to complete. As a result, contracts typically are only partially\nfunded at any point during their term and all or some of the work to be performed under the contracts may remain unfunded unless and until the U.S. Congress makes\nsubsequent appropriations and the procuring agency allocates funding to the contract.\nWe view growth in total backlog and client staff headcount as the two key measures of our potential business growth. Growing and deploying client staff is the\nprimary means by which we are able to achieve profitable revenue growth. To the extent that we are able to hire additional client staff and deploy them against funded\nbacklog, we generally recognize increased revenue. Total backlog increased by 8.4% from March 31, 2023 to March 31, 2024 and increased by 6.7% from March 31, 2022 to\nMarch 31, 2023. Additions to funded backlog during fiscal 2024 and 2023 totaled $10.9 billion and $10.2 billion respectively, as\n a result of the conversion of unfunded\nbacklog to funded backlog, the award of new contracts and tas\nk orders under which funding was appropriated, and the exercise and subsequent funding of priced\noptions. We report internally on our backlog on a monthly basis and review backlog upon occurrence of certain events to determine if any adjustments are necessary.\nWe cannot predict with any certainty the portion of our backlog that we expect to recognize as revenue in any future period and we cannot guarantee that we will\nrecognize any revenue from our backlog. The primary risks that could affect our ability to recognize such revenue on a timely basis or at all are: program schedule\nchanges, contract modifications, and our ability to assimilate and deploy new client staff against funded backlog; cost-cutting initiatives and other efforts to reduce U.S.\ngovernment spending, which could reduce or delay funding for orders for services; and delayed funding of our contracts due to delays in the completion of the U.S.\ngovernment's budgeting process and the use of continuing resolutions by the U.S. government to fund its operations. The amount of our funded backlog is also subject\nto change, due to, among other factors: changes in congressional appropriations that reflect changes in U.S.", "7f6786f8-17c1-4494-84d6-fa7ecab79c0b": "We cannot predict with any certainty the portion of our backlog that we expect to recognize as revenue in any future period and we cannot guarantee that we will\nrecognize any revenue from our backlog. The primary risks that could affect our ability to recognize such revenue on a timely basis or at all are: program schedule\nchanges, contract modifications, and our ability to assimilate and deploy new client staff against funded backlog; cost-cutting initiatives and other efforts to reduce U.S.\ngovernment spending, which could reduce or delay funding for orders for services; and delayed funding of our contracts due to delays in the completion of the U.S.\ngovernment's budgeting process and the use of continuing resolutions by the U.S. government to fund its operations. The amount of our funded backlog is also subject\nto change, due to, among other factors: changes in congressional appropriations that reflect changes in U.S. government policies or priorities resulting from various\nmilitary, political, economic, or international developments; changes in the use of U.S. government contracting vehicles, and the provisions therein used to procure our\nservices and adjustments to the scope of services, or cancellation of contracts, by the U.S. government at any time. In our recent experience, none of the following\nadditional risks have had a material negative effect on our ability to realize revenue from our funded backlog: the unilateral right of the U.S. government to cancel multi-\nyear contracts and related orders or to terminate existing contracts for convenience or default; in the case of unfunded backlog, the potential that funding will not be\nmade available; and, in the case of priced options, the risk that our clients will not exercise their options.\n(1)\n(1) \n59", "3c67e8af-eabb-407b-91de-2fbf1029939a": "Table of Contents\nIn addition, contract backlog includes orders under contracts for which the period of performance has expired, and we may not recognize revenue on the funded\nbacklog that includes such orders due to, among other reasons, the tardy submission of invoices by our subcontractors and the expiration of the relevant appropriated\nfunding in accordance with a predetermined expiration date such as the end of the U.S. government's fiscal year. The revenue value of orders included in contract backlog\nthat has not been recognized as revenue due to period of performance expirations has not exceeded approximately 4.8% of total backlog as of March 31, 2024 or for any of\nthe three preceding fiscal quarters.\nWe expect to recognize revenue from a substantial portion of funded backlog as of March 31, 2024 within the next twelve months. However, given the uncertainties\ndiscussed above, as well as the risks described in \u201cItem 1A. Risk Factors,\u201d we can give no assurance that we will be able to convert our backlog into revenue in any\nparticular period, if at all.\nOperating Costs and Expenses\nCosts associated with compensation and related expenses for our people are the most significant component of our operating costs and expenses. The principal\nfactors that affect our costs are additional people as we grow our business and are awarded new contracts, task orders, and additional work under our existing contracts,\nand the hiring of people with specific skill sets and security clearances as required by our additional work.\nOur most significant operating costs and expenses are described below.\n\u2022\nCost of Revenue\n. Cost of revenue includes direct labor, related employee benefits, and overhead. Overhead consists of indirect costs, including indirect labor\nrelating to infrastructure, management and administration, and other expenses.\n\u2022\nBillable Expenses.\n Billable expenses include direct subcontractor expenses, travel expenses, and other expenses incurred to perform on contracts.\n\u2022\nGeneral and Administrative Expenses.\n General and administrative expenses include indirect labor of executive management and corporate administrative\nfunctions, marketing and bid and proposal costs, and other discretionary spending.\n\u2022\nDepreciation and Amortization.\n Depreciation and amortization includes the depreciation of computers, leasehold improvements, furniture and other equipment,\nand the amortization of internally developed software, as well as third-party software that we use internally, and of identifiable long-lived intangible assets over\ntheir estimated useful lives.\nSeasonality\nThe U.S. government's fiscal year ends on September 30 of each year. While not certain, it is not uncommon for U.S. government agencies to award extra tasks or\ncomplete other contract actions in the weeks before the end of its fiscal year in order to avoid the loss of unexpended fiscal year funds. In addition, we also have\nhistorically experienced higher bid and proposal costs in the months leading up to the U.S. government's fiscal year end as we pursue new contract opportunities being\nawarded shortly after the U.S. government fiscal year end as new opportunities are expected to have funding appropriated in the U.S. government's subsequent fiscal\nyear. We may continue to experience this seasonality in future periods, and our future periods may be affected by it. While not certain, changes in the government's\nfunding and spending patterns have altered historical seasonality trends, supporting our approach to managing the business on an annual basis.\nSeasonality is just one of a number of factors, many of which are outside of our control, which may affect our results in any period. See \u201cItem 1A. Risk Factors.\u201d\nGovernment Audit Impact on Operating Income\nAs noted in the section on regulation in Item 1, \u201cBusiness,\u201d of this Annual Report on Form 10-K, in the ordinary course of business, agencies of the U.S.\ngovernment for which the Company is engaged as a prime contractor or a subcontractor, including the Defense Contract Audit Agency, audit the Company\u2019s claimed\nindirect costs and conduct inquiries and investigations of our business practices with respect to government contracts. Such audits may result in, and have historically\nresulted in, the Company\u2019s inability to retain certain claimed indirect costs, including executive and employee compensation, due to differing views of the allowability and\nreasonableness of such costs.\nDue to the previously disclosed investigation of the Company by the DOJ, years subsequent to the Company\u2019s fiscal year 2011 remain subject to audit and/or final\nresolution.", "93310ec5-7290-4a55-96ca-cd72f5011824": "See \u201cItem 1A. Risk Factors.\u201d\nGovernment Audit Impact on Operating Income\nAs noted in the section on regulation in Item 1, \u201cBusiness,\u201d of this Annual Report on Form 10-K, in the ordinary course of business, agencies of the U.S.\ngovernment for which the Company is engaged as a prime contractor or a subcontractor, including the Defense Contract Audit Agency, audit the Company\u2019s claimed\nindirect costs and conduct inquiries and investigations of our business practices with respect to government contracts. Such audits may result in, and have historically\nresulted in, the Company\u2019s inability to retain certain claimed indirect costs, including executive and employee compensation, due to differing views of the allowability and\nreasonableness of such costs.\nDue to the previously disclosed investigation of the Company by the DOJ, years subsequent to the Company\u2019s fiscal year 2011 remain subject to audit and/or final\nresolution. As discussed in Note 20, \u201cCommitments and Contingencies,\u201d to the consolidated financial statements within this Annual Report on Form 10-K, the Company\nrecognized a reserve for estimated adjustments to historical claimed indirect costs in respect of the years subsequent to fiscal 2011, based primarily on historical audit\nresults for periods prior to 2011. Following the settlement and closure of the civil and criminal investigation, respectively, of the Company by the DOJ, as discussed in\nNote 20, \u201cCommitments and Contingencies,\u201d to the consolidated financial statements contained within this Annual Report on Form 10-K, audits for years subsequent to\nfiscal 2011 have resumed. As audits of the periods subsequent to 2011 are completed, our estimates of adjustment to claimed indirect costs for these periods could\nchange. Any such change could materially impact our reported revenue, operating income, net income and basic and diluted earnings per common share.\n60", "b13bb8b8-9196-4717-ae10-4497e9818064": "Table of Contents\nCritical Accounting Estimates and Policies\nOur discussion and analysis of our financial condition and results of operations are based on our consolidated financial statements, which have been prepared in\naccordance with GAAP. The preparation of these consolidated financial statements in accordance with GAAP requires management to make estimates and assumptions\nthat affect the reported amounts of assets and liabilities and the disclosure of contingencies at the date of the consolidated financial statements as well as the reported\namounts of revenue and expenses during the reporting period. Management evaluates these estimates and assumptions on an ongoing basis. Our estimates and\nassumptions have been prepared on the basis of the most current reasonably available information. Actual results may differ from these estimates under different\nassumptions or conditions.\nOur significant accounting policies, including the critical policies and practices listed below, are more fully described and discussed in the notes to the\nconsolidated financial statements. We consider the following accounting policies to be critical to an understanding of our financial condition and results of operations\nbecause these policies require the most difficult, subjective or complex judgments on the part of our management in their application, often as a result of the need to make\nestimates about the effect of matters that are inherently uncertain.\nRevenue Recognition and Cost Estimation\nOur revenues from contracts with customers (clients) are derived from offerings that include consulting, analytics, digital solutions, engineering, and cyber\nservices, substantially with the U.S. government and its agencies, and to a lesser extent, subcontractors. We also serve foreign governments, as well as domestic and\ninternational commercial clients. We perform under various types of contracts, which include cost-reimbursable-plus-fee contracts, time-and-materials contracts, and\nfixed-price contracts.\nWe consider a contract with a customer to exist under Topic 606 when there is approval and commitment from us and the customer, the rights of the parties and\npayment terms are identified, the contract has commercial substance, and collectability of consideration is probable. We will also consider whether two or more contracts\nentered into with the same customer should be combined and accounted for as a single contract. Furthermore, in certain transactions with commercial clients and with the\nU.S. government, we may commence providing services prior to receiving a formal approval from the customer. In these situations, we will consider the factors noted\nabove, the risks associated with commencing the work, and legal enforceability in determining whether a contract with the customer exists under Topic 606.\nCustomer contracts are often modified to change the scope, price, specifications or other terms within the existing arrangement. Contract modifications are\nevaluated by management to determine whether the modification should be accounted for as part of the original performance obligation(s) or as a separate contract. If the\nmodification adds distinct goods or services and increases the contract value proportionate to the stand-alone selling price of the additional goods or services, it will be\naccounted for as a separate contract. Generally, our contract modifications do not include goods or services which are distinct, and therefore are accounted for as part of\nthe original performance obligation(s) with any impact on transaction price or estimated costs at completion being recorded through a cumulative catch-up adjustment to\nrevenue.\nWe evaluate each service deliverable contracted with the customer to determine whether it represents promises to transfer distinct goods or services. Under Topic\n606, these are referred to as performance obligations. One or more service deliverables often represent a single performance obligation. This evaluation requires\nsignificant judgment and the impact of combining or separating performance obligations may change the time over which revenue from the contract is recognized. Our\ncontracts generally provide a set of integrated or highly interrelated tasks or services and are therefore accounted for as a single performance obligation. However, in\ncases where we provide more than one distinct good or service within a customer contract, the contract is separated into individual performance obligations which are\naccounted for discretely.\n61", "705486a4-f987-47fe-9e23-34a1c991f826": "Table of Contents\nContracts with the U.S. government are generally subject to the FAR and are priced based on estimated or actual costs of providing the goods or services. We\nderive a majority of our revenue from contracts awarded through a competitive bidding process. Pricing for non-U.S. government agencies and commercial customers is\nbased on discrete negotiations with each customer. Certain of our contracts contain award fees, incentive fees or other provisions that may increase or decrease the\ntransaction price. These variable amounts generally are awarded upon achievement of certain performance metrics, program milestones or cost targets and may be based\nupon customer discretion. Management estimates variable consideration as the most likely amount that we expect to achieve based on our assessment of the variable fee\nprovisions within the contract, prior experience with similar contracts or clients, and management\u2019s evaluation of the performance on such contracts. We may perform\nwork under a contract that has not been fully funded if the work has been authorized by the management and the customer to proceed. We evaluate unfunded amounts\nas variable consideration in estimating the transaction price. We include the estimated variable consideration in our transaction price to the extent that it is probable that a\nsignificant reversal of revenue will not occur upon the ultimate settlement of the variable fee provision. In the limited number of situations where our contracts with\ncustomers contain more than one performance obligation, we allocate the transaction price of a contract between the performance obligations in the proportion to their\nrespective stand-alone selling prices. We generally estimate the stand-alone selling price of performance obligations based on an expected cost-plus margin approach as\nallowed under Topic 606. Our U.S. government contracts generally contain FAR provisions that enable the customer to terminate a contract for default or for the\nconvenience of the U.S. government.\nWe recognize revenue for each performance obligation identified within our customer contracts when, or as, the performance obligation is satisfied by transferring\nthe promised goods or services. Revenue may either be recognized over time or at a point in time. We generally recognize revenue over time as our contracts typically\ninvolve a continuous transfer of control to the customer. A continuous transfer of control under contracts with the U.S. government and its agencies is evidenced by\nclauses which require us to be paid for costs incurred plus a reasonable margin in the event that the customer unilaterally terminates the contract for convenience. For\ncontracts where we recognize revenue over time, a contract cost-based input method is generally used to measure progress towards satisfaction of the underlying\nperformance obligation(s). Contract costs include direct costs such as materials, labor and subcontract costs, as well as indirect costs identifiable with, or allocable to, a\nspecific contract that are expensed as incurred. We do not incur material incremental costs to acquire or fulfill contracts. Under a contract cost-based input method,\nrevenue is recognized based on the proportion of contract costs incurred to the total estimated costs expected to be incurred upon completion of the underlying\nperformance obligation. We generally include both funded and unfunded portions of customer contracts in this estimation process.\nFor interim financial reporting periods, contract revenue attributable to indirect costs is recognized based upon agreed-upon annual forward-pricing rates\nestablished with the U.S. government at the start of each fiscal year. Forward pricing rates are estimated and agreed upon between us and the U.S. government and\nrepresent indirect contract costs required to execute and administer contract obligations. The impact of any agreed-upon changes, or changes in the estimated annual\nforward-pricing rates, are recorded in the interim financial reporting period when such changes are identified. These changes relate to the interim financial reporting period\ndifferences between the actual indirect costs incurred and allocated to customer contracts compared to the estimated amounts allocated to contracts using the estimated\nannual forward-pricing rates established with the U.S. government.\nOn certain contracts, principally time-and-materials and cost-reimbursable-plus-fee contracts, revenue is recognized using the right-to-invoice practical expedient as\nwe are contractually able to invoice the customer based on the control transferred. However, we did not elect to use the practical expedient which would allow us to\nexclude contracts recognized using the right-to-invoice practical expedient from the remaining performance obligations disclosed below. Additionally, for stand-ready\nperformance obligations to provide services under fixed-price contracts, revenue is recognized over time using a straight-line measure of progress as the control of the\nservices is provided to the customer ratably over the term of the contract. If a contract does not meet the criteria for recognition of revenue over time, we recognize\nrevenue at the point in time when control of the good or service is transferred to the customer.", "c8afde0d-3142-427a-831d-ce58ca6f2f33": "government.\nOn certain contracts, principally time-and-materials and cost-reimbursable-plus-fee contracts, revenue is recognized using the right-to-invoice practical expedient as\nwe are contractually able to invoice the customer based on the control transferred. However, we did not elect to use the practical expedient which would allow us to\nexclude contracts recognized using the right-to-invoice practical expedient from the remaining performance obligations disclosed below. Additionally, for stand-ready\nperformance obligations to provide services under fixed-price contracts, revenue is recognized over time using a straight-line measure of progress as the control of the\nservices is provided to the customer ratably over the term of the contract. If a contract does not meet the criteria for recognition of revenue over time, we recognize\nrevenue at the point in time when control of the good or service is transferred to the customer. Determining a measure of progress towards the satisfaction of performance\nobligations requires management to make judgments that may affect the timing of revenue recognition.\nMany of our contracts recognize revenue under a contract cost-based input method and require an Estimate-at-Completion (\u201cEAC\u201d) process, which management\nuses to review and monitor the progress towards the completion of our performance obligations. Under this process, management considers various inputs and\nassumptions related to the EAC, including, but not limited to, progress towards completion, labor costs and productivity, material and subcontractor costs, and identified\nrisks. Estimating the total cost at completion of performance obligations is subjective and requires management to make assumptions about future activity and cost\ndrivers under the contract. Changes in these estimates can occur for a variety of reasons and, if significant, may impact the profitability of our contracts. Changes in\nestimates related to contracts accounted for under the EAC process are recognized in the period when such changes are made on a cumulative catch-up basis. If the\nestimate of contract profitability indicates an anticipated loss on a contract, we recognize the total loss at the time it is identified. For fiscal 2024, 2023, and 2022, the\naggregate impact of adjustments in contract estimates was not material.\n62", "0429eaf0-308a-4060-b57f-5fa662026694": "Table of Contents\nRemaining performance obligations represent the transaction price of exercised contracts for which work has not yet been performed, regardless of whether funding\nhas or has not been authorized and appropriated as of the date of exercise. Remaining performance obligations do not include negotiated but unexercised options or the\nunfunded value of expired contracts.\nBusiness Combinations\nThe accounting for the Company's business combinations consists of allocating the purchase price to tangible and intangible assets acquired and liabilities\nassumed based on their fair values, with the excess recorded as goodwill. Certain fair value measurements include inputs that are unobservable, requiring management to\nmake judgments and estimates that can be affected by contract performance and other factors that may cause final amounts to differ materially from original estimates. We\nhave up to one year from the acquisition date to use additional information obtained to adjust the fair value of the acquired assets and liabilities which may result in\nchanges to the recorded values with an offsetting adjustment to goodwill.\nGoodwill and Intangible Assets Impairment\nWe test goodwill and the Company\u2019s trade name for impairment at least annually as of January 1 of each year and more frequently if interim indicators of impairment\nexist. We perform our impairment testing of goodwill at the reporting unit level. As our business is highly integrated and all of our components have similar economic\ncharacteristics, we conclude that we have one reporting unit at the consolidated entity level, which is the same as our single operating segment. We test goodwill for\nimpairment using the quantitative test (primarily based on market capitalization). We test the trade name for impairment using the relief from royalty method that requires\nmanagement to make a significant number of judgments and estimates in the valuation. We do not consider goodwill, trade name, or any other amortizable intangible\nassets at risk of impairment. A 10% change in our enterprise value would not result in a goodwill or trade name impairment.\nAmortizable intangible assets are tested for impairment when an event occurs or circumstances change indicating that the carrying amount of the asset may not be\nrecoverable. A significant amount of management judgment is required to determine if an event representing an impairment indicator has occurred during the year for\nprograms and contract assets, channel relationships, and other amortizable intangible assets, including but not limited to: a decline in forecasted cash flows; a sustained,\nmaterial decline in the stock price and market capitalization; a significant adverse change in the business climate or economy; or unanticipated competition. An adverse\nchange in any of these factors could have a significant impact on the recoverability of other intangible assets.\nDuring the fiscal years ended March 31, 2024, 2023, and 2022, the Company did not record any impairment of goodwill or intangible assets.\nAccounting for Income Taxes\nProvisions for federal, state, and foreign income taxes are calculated from the income reported on our consolidated financial statements based on current tax law\nand also include the cumulative effect of any changes in tax rates from those previously used in determining deferred tax assets and liabilities. Such provisions differ from\nthe amounts currently receivable or payable because certain items of income and expense are recognized in different time periods for purposes of preparing consolidated\nfinancial statements than for income tax purposes.\nSignificant judgment is required in determining income tax provisions and evaluating tax positions. We establish reserves for uncertain tax positions when, despite\nthe belief that our tax positions are supportable, there remains uncertainty in a tax position taken in our previously filed income tax returns. For tax positions where it is\nmore likely than not that a tax benefit will be sustained, we record the largest amount of tax benefit with a greater than 50% likelihood of being realized upon settlement\nwith a taxing authority that has full knowledge of all relevant information. To the extent we prevail in matters for which accruals have been established or are required to\npay amounts in excess of reserves, our effective tax rate in a given consolidated financial statement period may be materially impacted.\nThe carrying value of our net deferred tax assets assumes that we will be able to generate sufficient future taxable income in certain tax jurisdictions to realize the\nvalue of these assets. If we are unable to generate sufficient future taxable income in these jurisdictions, a valuation allowance is recorded when it is more likely than not\nthat the value of the deferred tax assets is not realizable.\nRecent Accounting Pronouncements\nSee Note 2, \u201cSummary of Significant Accounting Policies,\u201d to our accompanying audited consolidated financial statements for information related to our adoption\nof new accounting standards and for information on our anticipated adoption of recently issued accounting standards.\n63", "8bb51278-e19c-495d-a78e-c5c09c44e60c": "Table of Contents\nSegment Reporting\nWe report operating results and financial data in one operating and reportable segment. We manage our business as a single profit center in order to promote\ncollaboration, provide comprehensive functional service offerings across our entire client base, and provide incentives to employees based on the success of the\norganization as a whole. Although certain information regarding served markets and functional capabilities is discussed for purposes of promoting an understanding of\nour complex business, we manage our business and allocate resources at the consolidated level of a single operating segment.\nBasis of Presentation\nThe accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiaries, and have been prepared in\naccordance with GAAP, and the rules and regulations of the U.S. Securities and Exchange Commission (the \u201cSEC\u201d). All intercompany balances and transactions have\nbeen eliminated in consolidation.\nThe accompanying consolidated financial statements and notes of the Company include its subsidiaries, and the joint ventures and partnerships over which the\nCompany has a controlling financial interest. The Company uses the equity method to account for investments in entities that it does not control if it is otherwise able to\nexert significant influence over the entities\u2019 operating and financial policies.\nThe Company\u2019s fiscal year ends on March 31 and unless otherwise noted, references to fiscal year or fiscal are for fiscal years ended March 31. The accompanying\nconsolidated financial statements present the financial position of the Company as of March 31, 2024 and 2023 and the Company\u2019s results of operations for fiscal 2024,\nfiscal 2023, and fiscal 2022.\nCertain amounts reported in the Company's prior year consolidated financial statements have been reclassified to conform to the current year presentation.\nResults of Operations\nThe following table presents items from our consolidated statements of operations for the respective periods shown:\n \nFiscal Year Ended March 31,\nFiscal 2024\nVersus\nFiscal 2023\nFiscal 2023\nVersus\nFiscal 2022\n \n2024\n2023\n2022\n \n(In thousands)\n \n \nRevenue\n$\n10,661,896 \n$\n9,258,911 \n$\n8,363,700 \n15.2 \n%\n10.7 \n%\nOperating costs and expenses:\nCost of revenue\n4,921,071 \n4,304,810 \n3,899,622 \n14.3 \n%\n10.4 \n%\nBillable expenses\n3,281,776 \n2,808,857 \n2,474,163 \n16.8 \n%\n13.5 \n%\nGeneral and administrative expenses\n1,281,443 \n1,532,912 \n1,158,987 \n(16.4)\n%\n32.3 \n%\nDepreciation and amortization\n164,203 \n165,484 \n145,747 \n(0.8)\n%\n13.5 \n%\nTotal operating costs and expenses\n9,648,493 \n8,812,063 \n7,678,519 \n9.5 \n%\n14.8 \n%\nOperating income\n1,013,403 \n446,848 \n685,181 \n126.8 \n%\n(34.8)\n%\nInterest expense\n(172,901)\n(119,850)\n(92,352)\n44.3 \n%\n29.8 \n%\nOther income, net\n12,818 \n40,951 \n11,214 \n(68.7)\n%\nNM\nIncome before income taxes\n853,320 \n367,949 \n604,043 \n131.9 \n%\n(39.1)\n%\nIncome tax expense\n247,614 \n96,734 \n137,466 \n156.0 \n%\n(29.6)\n%\nNet income\n$\n605,706 \n$\n271,215 \n$\n466,577 \n123.3 \n%\n(41.9)\n%\nNet loss attributable to non-controlling interest\n\u2014 \n576 \n163 \nNM\nNM\nNet income attributable to common stockholders\n$\n605,706 \n$\n271,791 \n$\n466,740 \n122.9 \n%\n(41.8)\n%\nNM - Not meaningful\nFiscal 2024 Compared to Fiscal 2023\nRevenue\nRevenue increased 15.2% to $10,661.9 million, primarily driven by strong demand for our services and solutions and an increase in headcount to meet that demand.\nCost of Revenue\nCost of revenue increased 14.3% to $4,921.1 million, and declined as a percentage of revenue to 46.2% from 46.5%\n. This increase was primarily due to an increase in\nsalaries and salary-related benefits of $593.2 million, driven by increased headcount and annual base salary increases.", "51527da0-0c70-4621-b614-73b99784931a": "Cost of Revenue\nCost of revenue increased 14.3% to $4,921.1 million, and declined as a percentage of revenue to 46.2% from 46.5%\n. This increase was primarily due to an increase in\nsalaries and salary-related benefits of $593.2 million, driven by increased headcount and annual base salary increases. Incentive and stock-based compensation also\nincreased $10.9 million over the prior year. Other business expenses and professional fees increased $5.3 million over the prior year.\n64", "4bfc98c4-f0ed-42cd-8ae2-4bed6ebff528": "Table of Contents\nBillable Expenses\nBillable expenses increased 16.8% to $3,281.8 million, and increased as a percentage of revenue to 30.8% from 30.3%. This increase w\nas primarily attributable to an\nincrease in the use of subcontractors driven by client demand and timing of client needs as well as increases in expenses from contracts that require the Company to incur\nother direct expenses and travel on behalf of clients as compared to the prior year.\nGeneral and Administrative Expenses\nGeneral and administrative expenses decreased 16.4% to $1,281.4 million, and decreased as a percentage of revenue to 12.0% from 16.6%. For fiscal 2023, general\nand administrative expenses were impacted by a $350.0 million reserve associated with the U.S. Department of Justice\u2019s investigation of the Company (see Note 20,\n\u201cCommitments and Contingencies,\u201d to the consolidated financial statements for further information), as compared to a $27.5 million reserve for fiscal 2024.\n Partially\noffsetting the above was an increase in salaries and salary related benefits of $39.0 million, driven by annual base salary increases, and increases in incentive and stock-\nbased compensation of $24.5 million over the prior \nyear.\nDepreciation and Amortization\nDepreciation and amortization expense decreased 0.8% to $164.2 million,\n primarily driven by intangible amortization related to acquisitions.\nInterest Expense\nInterest expense increased 44.3% to $172.9 million, primarily due to an overall increase in interest rates, as well as an increase of approximately $25.6 million related\nto the $650.0 million Senior Notes due 2033, issued by the Company in August of fiscal 2024.\nOther Income, net\nOther income, net decreased to $12.8 million from $41.0 million in the prior year period primarily due to the following:\n\u2022\nPre-tax gains in fiscal 2023 associated with divestiture related activity that were not present in fiscal 2024, specifically, $31.2 million associated with the\ndivestiture of the Company's MENA business, $4.6 million associated with the divestiture of the Company's MTS business, and $8.9 million recognized from the\nde-consolidation of a business;\n\u2022\nAn increase of $16.1 million in interest income primarily due to an overall increase in interest rates as well as a greater percentage of the average cash balances\ninvested in interest bearing accounts; and\n\u2022\n$5.7 million in non-recurring valuation adjustments to the Company\u2019s cost method investments, primarily from the write-off of one of its investments.\nIncome Tax Expense\nIncome tax expense increased to $247.6 million from $96.7 million. The effective tax rate increased to 29.0% in fiscal 2024 from 26.3% in fiscal 2023. The increase in\nthe effective tax rate was primarily a result of increases in state taxes related to an unfavorable ruling received from the District of Columbia Court of Appeals related to\ncontested tax assessments from the District of Columbia Office of Tax and Revenue (\u201cDC OTR\u201d) and the reversal of prior period indirect effects of underlying prior period\nuncertain tax positions that were reversed in the current period, partially offset by a decrease in nondeductible expenses.\nLiquidity and Capital Resources\nAs of March 31, 2024, our total liquidity was $1.6 billion, consisting of $554.3 million of cash and cash equivalents and $998.7 million available under the Revolving\nCredit Facility. In the opinion of management, we will be able to meet our liquidity and cash needs through a combination of cash flows from operating activities, available\ncash balances, and available borrowing under the Revolving Credit Facility. If these resources need to be augmented, additional cash requirements would likely be\nfinanced through the issuance of debt or equity securities.", "5b85f6f6-f780-4d89-a7f4-86bd83b38e73": "Liquidity and Capital Resources\nAs of March 31, 2024, our total liquidity was $1.6 billion, consisting of $554.3 million of cash and cash equivalents and $998.7 million available under the Revolving\nCredit Facility. In the opinion of management, we will be able to meet our liquidity and cash needs through a combination of cash flows from operating activities, available\ncash balances, and available borrowing under the Revolving Credit Facility. If these resources need to be augmented, additional cash requirements would likely be\nfinanced through the issuance of debt or equity securities.\nThe following table presents selected financial information for the respective periods shown:\n \nFiscal Year Ended\n March 31,\n \n2024\n2023\n2022\n \n(In thousands)\nCash and cash equivalents\n$\n554,257 \n$\n404,862 \n$\n695,910 \nTotal debt\n$\n3,411,816 \n$\n2,812,145 \n$\n2,800,072 \nNet cash provided by operating activities\n$\n258,838 \n$\n602,822 \n$\n736,526 \nNet cash used in investing activities\n$\n(90,640)\n$\n(468,016)\n$\n(867,725)\nNet cash used in financing activities\n(18,803)\n(425,854)\n(163,846)\nTotal increase (decrease) in cash and cash equivalents\n$\n149,395 \n$\n(291,048)\n$\n(295,045)\n65", "115a6c14-ae92-48ed-a710-160e6176d8ba": "Table of Contents\nFrom time to time we evaluate alternative uses for excess cash resources once our operating cash flow and required debt servicing needs have been met. Some of\nthe possible uses of our remaining excess cash at any point in time may include funding strategic acquisitions, further investment in our business, and returning value to\nshareholders through share repurchases, quarterly dividends, and special dividends.\nHistorically, we have been able to generate sufficient cash to fund our operations, mandatory debt and interest payments, capital expenditures, and discretionary\nfunding needs. However, due to fluctuations in cash flows, including as a result of the trends and developments described above under \u201c\u2014Factors and Trends Affecting\nOur Results of Operations\u201d relating to U.S. government shutdowns, U.S. government cost-cutting, reductions or delays in the U.S. government appropriations and\nspending process and other budgetary matters, it may be necessary from time-to-time in the future to borrow under our Senior Credit Facility to meet cash demands.\nWhile the timing and financial magnitude of these possible actions are currently indeterminable, we expect to be able to manage and adjust our capital structure to meet\nour liquidity needs. Our expected liquidity and capital structure may also be impacted by discretionary investments and acquisitions that we could pursue. We anticipate\nthat cash provided by operating activities, existing cash and cash equivalents, and borrowing capacity under our Revolving Credit Facility will be sufficient to meet our\nanticipated cash requirements for the next twelve months, which primarily include:\n\u2022\noperating expenses, including salaries;\n\u2022\nworking capital requirements to fund both organic and inorganic growth of our business;\n\u2022\ncapital expenditures which primarily relate to the purchase of computer\ns, business systems, furniture and leasehold improvements to support our operations;\n\u2022\nthe on-going maintenance around all financial management systems;\n\u2022\ncommitments and other discretionary investments;\n\u2022\ndebt service requirements for borrowings under our Senior Credit Facility and interest payments for the Senior Notes due 2028, Senior Notes due 2029 and Senior\nNotes due 2033; and\n\u2022\ncash taxes to be paid.\nOur ability to fund our operating needs depends, in part, on our ability to continue to generate positive cash flows from operations or, if necessary, raise cash in\nthe capital marke\nts. In addition, from time to time we evaluate conditions to opportunistically access the financing markets to secure additional debt capital resources and\nimprove the terms of our \nindebtedness.\nOn October 14, 2022, the Company acquired EverWatch Corp. (\u201cEverWatch\u201d) for approximately $445.1 million, net of post-closing adjustments, and also incurred\ntransaction costs as part of the acquisition. As a result of the transaction, EverWatch became a wholly owned subsidiary of Booz Allen Hamilton Inc. EverWatch is a\nleading provider of advanced solutions to the defense and intelligence communities. See Note 5, \u201cAcquisition and Divestitures,\u201d to our consolidated financial statements\nfor additional information related to the acquisition of EverWatch.\nDuring fiscal 2024, we borrowed $500.0 million on our Revolving Credit Facility for our working capital needs, which was subsequently repaid as of March 31, 2024.\nOn July 21, 2023, the Company entered into a Settlement Agreement (the \u201cSettlement Agreement\u201d) with the United States of America, acting through the U.S.\nDepartment of Justice and on behalf of the Department of Defense and Defense Contract Management Agency (collectively the \u201cUnited States\u201d), and Relator Sarah A.\nFeinberg, to resolve the civil investigation related to certain elements of the Company\u2019s cost accounting and indirect cost charging practices from April 1, 2011 through\nMarch 31, 2021. Under the terms of the Settlement Agreement, the Company agreed to pay to the United States $377.5 million, which the Company paid in the second\nquarter of fiscal 2024 with cash on hand and by drawing on its revolving credit facility. See Note 20, \u201cCommitments and Contingencies,\u201d to our consolidated financial\nstatements for additional information related to the Settlement Agreement.\nCash Flows\nCash received from clients, either from the payment of invoices for work performed or for advances in excess of costs incurred, is our primary source of cash. We\ngenerally do not begin work on contracts until funding is appropriated by the client. Billing timetables and payment terms on our contracts vary based on a number of\nfactors, including whether the contract type is cost-reimbursable, time-and-materials, or fixed-price.", "89439a42-9dd7-4ca7-a4d8-c4103599039e": "Under the terms of the Settlement Agreement, the Company agreed to pay to the United States $377.5 million, which the Company paid in the second\nquarter of fiscal 2024 with cash on hand and by drawing on its revolving credit facility. See Note 20, \u201cCommitments and Contingencies,\u201d to our consolidated financial\nstatements for additional information related to the Settlement Agreement.\nCash Flows\nCash received from clients, either from the payment of invoices for work performed or for advances in excess of costs incurred, is our primary source of cash. We\ngenerally do not begin work on contracts until funding is appropriated by the client. Billing timetables and payment terms on our contracts vary based on a number of\nfactors, including whether the contract type is cost-reimbursable, time-and-materials, or fixed-price. We generally bill and collect cash more frequently under cost-\nreimbursable and time-and-materials contracts, as we are authorized to bill as the costs are incurred or work is performed. In contrast, we may be limited to bill certain\nfixed-price contracts only when specified milestones, including deliveries, are achieved. In addition, a number of our contracts may provide for performance-based\npayments, which allow us to bill and collect cash prior to completing the work.\n66", "6060c125-519e-4b52-aa4b-21f7224a0cc1": "Table of Contents\nAccounts receivable is the principal component of our working capital and is generally driven by revenue growth with other short-term fluctuations related to the\npayment practices of our clients. Our accounts receivable reflects amounts billed to our clients as of each balance sheet date. Our clients generally pay our invoices\nwithin 30 days of the invoice date, although we experience a longer billing and collection cycle with our global commercial customers. At any month-end, we also include\nin accounts receivable the revenue that was recognized in the preceding month, which is generally billed early in the following month. Finally, we include in accounts\nreceivable amounts related to revenue accrued in excess of amounts billed, primarily on our fixed-price and cost-reimbursable-plus-award-fee contracts. The total amount\nof our accounts receivable can vary significantly over time, but is generally sensitive to revenue levels and customer mix.\nOperating Cash Flow\nNet cash provided by operations is primarily affected by the overall profitability of our contracts, our ability to invoice and collect cash from clients in a timely\nmanner, our ability to manage our vendor payments, and the timing of cash paid for income taxes. Continued uncertainty in global economic conditions, including any\npotential impact of the U.S. government\u2019s failure to raise the debt ceiling, may also affect our business as customers and suppliers may decide to downsize, defer, or\ncancel contracts, which could negatively affect the operating cash flows. Net cash provided by operations was $258.8 million in fiscal 2024 compared to $602.8 million in\nfiscal 2023, a 57.1% decrease. Fiscal 2024 o\nperating cash was aided by strong collection performance and overall revenue growth but was impacted by the $377.5 million\noutflow related to the U.S. Department of Justice matter noted above.\nBeginning in fiscal 2023, the Tax Cuts and Jobs Act of 2017 eliminated the option to deduct research and development expenditures immediately in the year incurred\nand requires taxpayers to amortize such expenditures over five years for U.S. based research and development. This provision negatively impacted our fiscal 2023 cash\nfrom operations, but had an offsetting impact on the deferred tax asset. There was a similar impact to the Com\npany in fiscal 2024, although the impact to cash and deferred\ntaxes was smaller than in fiscal 2023. Prospectively, the future impact of this provision will depend on if and when this provision is deferred, modified, or repealed by\nCongress, including if retroactively,\n any guidance issued by the Treasury Department regarding the identification of appropriate costs for capitalization, and the amount\nof future research and development expenses paid or incurred (among other factors). While the largest impact was to fiscal 2023 cash from operations, the impact will\ncontinue over the five year amortization period, but will decrease over the period and is expected to be immaterial in year six.\nInvesting Cash Flow\nNet cash used in investing activities was $90.6 million in fiscal 2024 compared to $468.0 million in the prior year. The decrease in net cash used over the prior year\nwas primarily due to the Company\u2019s acquisition of Everwatch in fiscal 2023, partially offset by the divestitures of its MENA strategy consulting and MTS businesses in\nfiscal 2023, as well as increases in cost method investments made by the Company in the current year.\nFinancing Cash Flow\nNet cash used in financing activities was $18.8 million in fiscal 2024 compared to $425.9 million in the prior year. The decrease in net cash used over the prior year\nwas primarily due to the following:\n\u2022\nA decrease in net proceeds associated with the Company\u2019s debt refinancing transactions year over year:\n\u25e6\nFiscal 2024 - \n$637.4 million\n was received from the issuance of the 5.95% Senior Notes due 2033\n\u25e6\nFiscal 2023 - $414.8 million was received from the Company\u2019s September 2022 debt refinancing, partially offset by a $379.3 million repayment\n\u2022\nAn increase in share repurchases of $180.3 million,\n\u2022\nAn increase in dividends paid of $17.7 million as compared to the prior year\nDividends and Share Repurchases\nThe Company paid $1.92 in dividends per share to shareholders of record in fiscal 2024. On May 24, 2024, the Company announced a regular quarterly cash\ndividend in the amount of $0.51 per share.", "73828747-74b1-4a54-8703-3cf7531d2c2f": "On May 24, 2024, the Company announced a regular quarterly cash\ndividend in the amount of $0.51 per share. The quarterly dividend is payable on June 28, 2024 to stockholders of record on June 13, 2024.\nThe following table summarizes the cash distributions recognized in the consolidated statement of cash flows for the respective periods shown:\n \nFiscal Year Ended\n March 31,\n \n2024\n2023\n2022\n(In thousands)\nRecurring dividends \n$\n253,413 \n$\n235,726 \n$\n209,057 \nAmounts represent recurring dividends that were declared and paid for during each quarter of fiscal 2024, 2023, and 2022, respectively.\n(1)\n(1) \n67", "de8e6154-d0a3-4983-a540-4adfcafe8292": "Table of Contents\nOn December 12, 2011, the Board approved a share repurchase program, which was most recently increased by $525.0 million to $3,085.0 million on May 22, 2024.\nThe Company may repurchase shares pursuant to the program by means of open market repurchases, directly negotiated repurchases or through agents acting pursuant\nto negotiated repurchase agreements. During fiscal 2024 and 2023, the Company purchased 3.2 million and 2.1 million shares of the Company\u2019s Class A Common Stock,\nrespectively, for an aggregate of $372.8 million and $196.2 million, respectively. As of March 31, 2024, the Company had approximately $483.2 million remaining under the\nrepurchase program.\nAny determination to pursue one or more of the above alternative uses for excess cash is subject to the discretion of our Board, and will depend upon various\nfactors, including our results of operations, financial condition, liquidity requirements, restrictions that may be imposed by applicable law, our contracts, and our Credit\nAgreement, as amended, and other factors deemed relevant by our Board.\nIndebtedness\nOur debt totaled $3.4 billion and 2.8 billion as of March 31, 2024 and 2023, respectively. The total outstanding debt balance is recorded in the accompanying\nconsolidated balance sheets net of unamortized discount and debt issuance costs of $26.3 million and $17.2 million, respectively, as of March 31, 2024 and 2023. Our debt\nbears interest at specified rates (see Note 10, \u201cDebt,\u201d to our consolidated financial statements).\nCredit Agreement\nOn July 27, 2023 (the \u201cTenth Amendment Effective Date\u201d), Booz Allen Hamilton entered into a Tenth Amendment (the \u201cAmendment\u201d) to the Credit Agreement (as\namended prior to the Tenth Amendment Effective Date, the \u201cExisting Credit Agreement\u201d and, as amended by the Amendment, the \u201cAmended Credit Agreement\u201d) with\nBank of America, N.A., as administrative agent (in such capacity, the \u201cAdministrative Agent\u201d), and the lenders and other financial institutions party thereto, in order to\nmake permanent certain changes to the Existing Credit Agreement in connection with Booz Allen Hamilton obtaining investment grade ratings from both Moody's and\nS&P and prepaying the Term Loan B loans in full and to make certain additional changes in connection therewith, including, among other things, (i) removing the\nrequirements for the obligations under the Amended Credit Agreement to be secured, (ii) removing the requirement for any subsidiary or other affiliate of Booz Allen\nHamilton (other than the Company) to provide any guarantee of the obligations under the Amended Credit Agreement, and (iii) removing or modifying certain covenants\napplicable to Booz Allen Hamilton. Pursuant to the Amendment, all guarantees in respect of the Existing Credit Agreement have been released. The Amendment did not\nimpact any of the terms of the Credit Agreement related to amortization or payments.\nOn the Tenth Amendment Effective Date in connection with the Amendment, the Company entered into a Guarantee Agreement (the \u201cGuarantee Agreement\u201d) in\nfavor of the Administrative Agent, pursuant to which the Company guarantees on an unsecured basis the obligations of Booz Allen Hamilton under the Amended Credit\nAgreement subject to certain conditions. Pursuant to the Amended Credit Agreement Booz Allen Hamilton has the option, though not any obligation, to join one or more\nof its domestic subsidiaries as a guarantor under the Guarantee Agreement.\nTerm Loan A amortizes in consecutive quarterly installments in an amount equal to (i) on the last business day of each full fiscal quarter that begins after the Ninth\nAmendment Effective Date but on or before the two year anniversary of the Ninth Amendment Effective Date, 0.625% of the stated principal amount of Term Loan A and\n(ii) on the last business day of each full fiscal quarter that begins after the two year anniversary of the Ninth Amendment Effective Date but before the five year\nanniversary of the Ninth Amendment Effective Date, 1.25% of the stated principal amount of Term Loan A. The remaining balance of Term Loan A will be payable upon\nmaturity.", "2f6f26d3-6cbf-4fe2-82df-55fcc5641990": "Pursuant to the Amended Credit Agreement Booz Allen Hamilton has the option, though not any obligation, to join one or more\nof its domestic subsidiaries as a guarantor under the Guarantee Agreement.\nTerm Loan A amortizes in consecutive quarterly installments in an amount equal to (i) on the last business day of each full fiscal quarter that begins after the Ninth\nAmendment Effective Date but on or before the two year anniversary of the Ninth Amendment Effective Date, 0.625% of the stated principal amount of Term Loan A and\n(ii) on the last business day of each full fiscal quarter that begins after the two year anniversary of the Ninth Amendment Effective Date but before the five year\nanniversary of the Ninth Amendment Effective Date, 1.25% of the stated principal amount of Term Loan A. The remaining balance of Term Loan A will be payable upon\nmaturity.\nThe rate at which the Term Loan A and the Revolving Loans bear interest will be based either on Term Secured Overnight Financing Rate (\u201cSOFR\u201d subject to a\n0.10% adjustment and a floor of zero) for the applicable interest period or a base rate (equal to the highest of (i) the administrative agent\u2019s prime corporate rate, (ii) the\novernight federal funds rate plus 0.50% and (iii) three-month Term SOFR (subject to a 0.10% adjustment and a floor of zero) plus 1.00%), in each case plus an applicable\nmargin, payable at the end of the applicable interest period and in any event at least quarterly. The applicable margin for the Term Loan A and the Revolving Loans\nranges from 1.00% to 2.00% for Term SOFR loans and zero to 1.00% for base rate loans, in each case based on the lower of (i) the applicable rate per annum determined\npursuant to a consolidated total net leverage ratio grid and (ii) the applicable rate per annum determined pursuant to a ratings grid. Unused New Revolving Commitments\nare subject to a quarterly fee ranging from 0.10% to 0.35% based on the lower of (i) the applicable fee rate per annum determined pursuant to a consolidated total net\nleverage ratio grid and (ii) the applicable fee rate per annum determined pursuant to a ratings grid.Booz Allen Hamilton also has agreed to pay customary letter of credit\nand agency fees.\nAs of March 31, 2024 and 2023, Booz Allen Hamilton was contingently liable under open standby letters of credit and bank guarantees issued by its banks in favor\nof third parties that totaled $4.4 million and $6.1 million, respectively. These letters of credit and bank guarantees primarily support insurance and bid and performance\nobligations. As of both March 31, 2024 and 2023, approximately $1.3 million of these instruments reduced our available borrowings under the Revolving Credit Facility.\nThe remainder is guaranteed under a separate $7.5 million facility of which $4.4 million and $2.7 million were available to the Company at March 31, 2024 and March 31,\n2023, respectively.\n68", "41ae55c6-5b6c-44f1-804d-5467bbe6205f": "Table of Contents\nThe Company occasionally borrows under the Revolving Credit Facility for our working capital needs. During fiscal 2024, we borrowed $500.0 million on our\nRevolving Credit Facility for our working capital needs, which was subsequently repaid as of March 31, 2024. As of March 31, 2024 and 2023, respectively, there was no\noutstanding balance on the Revolving Credit Facility and we had $998.7 million of capacity available for borrowings under the Revolving Credit Facility.\nBorrowings under the Term Loan A, and if used, the Revolving Credit Facility, incur interest at a variable rate. As of March 31, 2024, Booz Allen Hamilton had\ninterest rate swaps with an aggregate notional amount of $550.0 million. These instruments hedge the variability of cash outflows for interest payments on the Term Loan\nA and the Revolving Credit Facility. The Company's objectives in using cash flow hedges are to reduce volatility due to interest rate movements and to add stability to\ninterest expense (see Note 11, \u201cDerivatives,\u201d to the consolidated financial statements).\nThe following table summarizes interest payments made on the Company\n\u2019\ns term loans:\n \nThree Months Ended\nMarch 31,\nFiscal Year Ended\nMarch 31,\n \n2024\n2023\n2024\n2023\nTerm Loan A\n$\n27,027 \n$\n24,233 \n$\n107,286 \n$\n63,244 \nTerm Loan B\n\u2014 \n\u2014 \n\u2014 \n5,209 \nTotal\n$\n27,027 \n$\n24,233 \n$\n107,286 \n$\n68,453 \nThe Credit Agreement contains customary representations and warranties and customary affirmative and negative covenants. In connection with Booz Allen\nHamilton obtaining investment grade ratings from both Moody's and S&P, certain activities previously restricted by certain negative covenants are permitted subject to\npro forma compliance with the financial covenants and no events of default having occurred or are continuing. The remaining negative covenants include limitations on\nactivity related to the following, in each case subject to certain exceptions: (i) indebtedness and liens; (ii) mergers, consolidations or amalgamations, liquidations, wind-\nups or dissolutions, (iii) restricted payments; (iv) line of business; and (v) speculative hedging. The events of default include the following, in each case subject to\ncertain exceptions: (a) failure to make required payments under the Senior Credit Facility; (b) material breaches of representations or warranties under the Senior Credit\nFacility; (c) failure to observe covenants or agreements under the Senior Credit Facility; (d) failure to pay or default under certain other material indebtedness;\n(e) bankruptcy or insolvency; (f) certain Employee Retirement Income Security Act, or ERISA, events; (g) certain material judgments; (h) actual or asserted invalidity of\nthe Guarantee and Collateral Agreements or the other security documents or failure of the guarantees or perfected liens thereunder; and (i) a change of control. In\naddition, we are required to meet certain financial covenants at each quarter end, namely Consolidated Net Total Leverage and Consolidated Net Interest Coverage\nRatios. As of March 31, 2024 and 2023, Booz Allen Hamilton was in compliance with all financial covenants associated with its debt and debt-like instruments.\nSenior Notes\nOn August 4, 2023, Booz Allen Hamilton issued $650.0 million aggregate principal amount of its 5.950% Senior Notes due August 4, 2033 (the \u201cSenior Notes due\n2033\u201d) under an Indenture and First Supplemental Indenture, both dated as of August 4, 2023 (the \u201cIndenture\u201d), among Booz Allen Hamilton, Booz Allen Hamilton\nHolding Corporation, as parent guarantor, and U.S. Bank Trust Company, National Association, as trustee. The Senior Notes due 2033 are unsecured senior indebtedness\nof Booz Allen Hamilton and are fully and unconditionally guaranteed on an unsecured and unsubordinated basis by Booz Allen Hamilton Holding Corporation, and rank\nequally and ratably in right of payment with all of Booz Allen Hamilton\u2019s and Booz Allen Hamilton Holding Corporation\u2019s other unsecured and unsubordinated\nindebtedness outstanding from time to time, pursuant to the Indenture.", "5a674bab-a415-44c2-ba12-6a94687d2aa3": "Bank Trust Company, National Association, as trustee. The Senior Notes due 2033 are unsecured senior indebtedness\nof Booz Allen Hamilton and are fully and unconditionally guaranteed on an unsecured and unsubordinated basis by Booz Allen Hamilton Holding Corporation, and rank\nequally and ratably in right of payment with all of Booz Allen Hamilton\u2019s and Booz Allen Hamilton Holding Corporation\u2019s other unsecured and unsubordinated\nindebtedness outstanding from time to time, pursuant to the Indenture.\nOn June 17, 2021, Booz Allen Hamilton issued $500.0 million aggregate principal amount of its 4.000% Senior Notes due July 1, 2029 (the \u201cSenior Notes due 2029\u201d)\nunder an Indenture and First Supplement Indenture, both dated as of June 17, 2021, among Booz Allen Hamilton, certain subsidiaries of Booz Allen Hamilton, as\nguarantors (the \u201c2029 Subsidiary Guarantors\u201d), and Wilmington Trust, National Association, as trustee. The Senior Notes due 2029 are Booz Allen Hamilton\u2019s senior\nunsecured obligations and rank equally in right of payment with all of Booz Allen Hamilton\u2019s and the 2029 Subsidiary Guarantors\u2019 existing and future senior indebtedness\nand rank senior in right of payment to any of Booz Allen Hamilton\u2019s future subordinated indebtedness. The net proceeds from the sale of the Senior Notes due 2029 were\nused to fund the acquisition of Liberty and to pay related fees and expenses.\n69", "ab8be52e-f809-4544-a11b-8774ada77ea3": "Table of Contents\nOn August 24, 2020, Booz Allen Hamilton issued $700.0 million aggregate principal amount of its 3.875% Senior Notes due September 1, 2028 (the \u201cSenior Notes due\n2028\u201d, and, together with the Senior Notes due 2029 and the Senior Notes due 2033, the \u201cSenior Notes\u201d) under an Indenture and First Supplemental Indenture, both dated\nas of August 24, 2020, among Booz Allen Hamilton, certain subsidiaries of Booz Allen Hamilton, as guarantors (the \u201c2028 Subsidiary Guarantors\u201d), and Wilmington Trust,\nNational Association, as trustee. The Senior Notes due 2028 are Booz Allen Hamilton\u2019s senior unsecured obligations and rank equally in right of payment with all of Booz\nAllen Hamilton\u2019s and the 2028 Subsidiary Guarantors\u2019 existing and future senior indebtedness and rank senior in right of payment to any of Booz Allen Hamilton\u2019s future\nsubordinated indebtedness.\nAll the Senior Notes\u2019 Indentures contain certain covenants, events of default, and other customary provisions. In connection with the Senior Notes obtaining\ninvestment grade ratings from Moody\u2019s and S&P, in January 2023, certain negative covenants in the indentures governing the Senior Notes 2028 and Senior Notes 2029\nwere suspended, and the related guarantees were released.\nSummarized Financial Information\nThe Senior Notes due 2033 were issued by Booz Allen Hamilton pursuant to the Indenture, among Booz Allen Hamilton, Booz Allen Holding and U.S. Bank Trust\nCompany, National Association, as trustee, as supplemented by the Supplemental Indenture and are fully and unconditionally guaranteed on an unsecured and\nunsubordinated basis by Booz Allen Holding\n pursuant to the Indenture.\nThe tables below present the summarized financial information as combined for Booz Allen Hamilton and Booz Allen Holding as of March 31, 2024, after the\nelimination of intercompany transactions and balances between Booz Allen Hamilton and Booz Allen Holding and excluding the subsidiaries of both entities that are not\nissuers or guarantors of the Senior Notes due 2033, including earnings from and investments in these entities. The summarized financial information is provided in\naccordance with the reporting requirements of Rule 13-01 under Regulation S-X and is not intended to present our financial position or results of operations in\naccordance with GAAP.\nSummarized Statements of Financial Condition\n(in thousands)\nMarch 31, 2024\nIntercompany receivables from non-guarantor subsidiaries\n$\n62,012 \nTotal other current assets\n$\n2,618,239 \nGoodwill and intangible assets, net of accumulated amortization\n$\n1,499,616 \nTotal other non-current assets\n$\n853,623 \nIntercompany payables to non-guarantor subsidiaries\n$\n13,408 \nTotal other current liabilities\n$\n1,641,369 \nLong-term debt, net of current portion\n$\n3,349,941 \nTotal other non-current liabilities\n$\n457,290 \nSummarized Statement of Operations\n(in thousands)\nFiscal Year Ended\nMarch 31, 2024\nRevenue\n$\n9,882,750 \nRevenue from non-guarantor subsidiaries\n$\n540,089 \nOperating income\n$\n504,679 \nOperating income from non-guarantor subsidiaries\n$\n512,925 \nNet income\n$\n606,711 \nNet income attributable to the Obligor Group\n$\n606,711 \nCapital Structure and Resources\nOur stockholders\u2019 equity amounted to $1,046.6 million as of March 31, 2024, an increase of $54.6 million compared to stockholders\u2019 equity of $992.0 million as of\nMarch 31, 2023. The increase was primarily due to $417.6 million in treasury stock resulting from the repurchase of shares of our Class A Common Stock and $253.1 million\nin aggregate quarterly dividend payments, partially offset by net income of $605.7 million and stock-based compensation expense of $95.0 million.\n70", "ea744b60-cd50-41dc-9cb9-0e745f3c4aeb": "Table of Contents\nCapital Expenditures\nSince we do not own any of our facilities, our capital expenditure requirements primarily relate to the purchase of computers, management systems, furniture, and\nleasehold improvements to support our operations. Direct facility and equipment costs billed to clients are not treated as capital expenses. Our capital expenditures for\nfiscal 2024 and 2023 were $82.8 million and $76.1 million, respectively, of which $16.1 million were unpaid at fiscal 2024 year end.\nCommitments and Contingencies\nWe are subject to a number of reviews, investigations, claims, lawsuits, and other uncertainties related to our business. For a discussion of these items, refer to\nNote 20,\n \n\u201cCommitments and Contingencies,\u201d to our consolidated financial statements.\nItem 7A. Quantitative and Qualitative Disclosures About Market Risk\n.\nMarket risk is the potential loss arising from adverse changes in market rates and market prices such as those related to interest rates. Due to the wide-ranging\nadverse impacts on global financial markets, we may be exposed to greater interest rate volatility and market risk in the near future. We actively monitor these exposures\nand manage such risks through our regular financing activities and through the use of derivative financial instruments.\nOur exposure to market risk for changes in interest rates relates primarily to our outstanding debt, cash equivalents, which consist primarily of funds invested in\nU.S. government money-market funds, our cash flow hedges and our Rabbi trust.\nOur exposure to market risk for changes in interest rates related to our outstanding debt will impact our Senior Credit Facility. The interest expense associated with\nour term loans and any loans under our Revolving Credit Facility will vary with market rates. A hypothetical interest rate increase of 25 basis points would have increased\ninterest expense related to the term facilities under our Senior Credit Facility by approximately $2.6 million in fiscal 2024 and $2.7 million in fiscal 2023, and likewise\ndecreased our income and cash flows.\nAs of March 31, 2024 and 2023, we had $554.3 million and \n$404.9 million, respectively, in cash and cash equivalents. As \nof March 31, 2024 and 2023 the interest\nincome as a percentage of average monthly balance sheet cash was approximately 6% and 2%, respectively. A hypothetical decrease in market interest rates of 25 basis\npoints would have decreased interest income on our cash and cash equivalents of approximately $1.1 million in fiscal 2024 and $1.2 million in fiscal 2023, and likewise\ndecreased our income and cash flows.\nPursuant to our interest rate risk management strategies, we use interest rate cash flow hedges to add stability to our incurrence of interest rate expense and to\nmanage our exposure to related interest rate movemen\nt. During the first quarter of fiscal 2024, we modified our existing interest rate swap agreements to transition from\nLIBOR indexed to Term SOFR-indexed periodic swap payments to align with interest payments in connection with our Term SOFR indexed debt. As\n of March 31, 2024, we\nhad effective interest rate swaps with an aggregate notional amount of $550.0 million. These derivative instruments hedge the variability of cash outflows for interest\npayments on our variable rate debt and are recorded at fair value on our consolidated balance sheet. See Note 11, \u201cDerivatives,\u201d to our consolidated financial statements\nfor further discussion. As of March 31, 2024, a 25 basis point increase in interest rates would increase the fair value of our interest rate swaps by approximately\n$1.4 million\n and a 25 basis point decrease in interest rates would decrease the fair value of our interest rate swaps by approximately \n$1.4 million\n.\nWe maintain a Rabbi trust to provide for the payment of benefits under our non-qualified deferred compensation plan. As of March 31, 2024, fund assets totaled\n$29.0 million which include mutual fund investments that are subject to fluctuations in market prices and interest rates. Cash distributions made to plan participants are\nrecognized as operating cash flows in the consolidated statement of cash flows and have the effect of lowering both fund assets and the corresponding fund liabilities on\na one-for-one basis. Changes in fair value on fund liabilities offset the changes in fair value of fund assets, and changes in fair value on both fund assets and fund\nliabilities are recognized in earnings on our consolidated statements of operations. See Note 18, \u201cFair Value Measurements,\u201d to our consolidated financial statements for\nfurther discussion.\n71", "5f5751c3-a6b5-4272-aead-bc81b75f34d6": "Table of Contents\nItem 8\n. \nFinancial Statements and Supplementary Data\n.\nINDEX TO THE CONSOLIDATED FINANCIAL STATEMENTS\nPage\nReport of Independent Registered Public Accounting Firm\n (PCAOB ID#000\n42\n)\nF-\n2\nConsolidated Balance Sheets as of March 31, \n2024\n and \n2023\nF-\n5\nConsolidated Statements of Operations for the Fiscal Years Ended March 31, \n2024\n, \n2023\n and \n2022\nF-\n6\nConsolidated Statements of Comprehensive Income for the Fiscal Years Ended March 31,\n 2024, 2023 and\n \n2022\nF-\n7\nConsolidated Statements of Cash Flows for the Fiscal Years Ended March 31, \n2024\n, \n2023\n and \n2022\nF-\n8\nConsolidated Statements of Stockholders' Equity for the Fiscal Years Ended March 31, \n2024\n, \n2023\n and \n2022\nF-\n9\nNotes to Consolidated Financial Statements\nF-\n10\nF-1", "0f5fb836-4684-4de6-aa08-07fdcc16775f": "Table of Contents\nReport of Independent Registered Public Accounting Firm\nTo the Shareholders and the Board of Directors of\nBooz Allen Hamilton Holding Corporation\nOpinion on the Financial Statements\nWe have audited the accompanying consolidated balance sheets of Booz Allen Hamilton Holding Corporation (the Company) as of March 31, 2024 and 2023, the related\nconsolidated statements of operations, comprehensive income\n,\n stockholders' equity and cash flows for each of the three years in the period ended March 31, 2024, and\nthe related notes\n(collectively referred to as the \u201cconsolidated financial statements\u201d). In our opinion, the consolidated financial statements present fairly, in all material\nrespects, the financial position of the Company at March 31, 2024 and 2023, and the results of its operations and its cash flows for each of the three years in the period\nended March 31, 2024, in conformity with U.S. generally accepted accounting principles.\nWe also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the Company's internal control\nover financial reporting as of March 31, 2024, based on criteria established in Internal Control-Integrated Framework issued by the Committee of Sponsoring\nOrganizations of the Treadway Commission (2013 framework)\n \nand our report dated May 24, 2024 expressed an unqualified opinion thereon.\nBasis for Opinion\nThese financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on the Company\u2019s financial statements based\non our audits. We are a public accounting firm registered with the PCAOB and are required to be independent with respect to the Company in accordance with the U.S.\nfederal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.\nWe conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance\nabout whether the financial statements are free of material misstatement, whether due to error or fraud. Our audits included performing procedures to assess the risks of\nmaterial misstatement of the financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included\nexamining, on a test basis, evidence regarding the amounts and disclosures in the financial statements. Our audits also included evaluating the accounting principles\nused and significant estimates made by management, as well as evaluating the overall presentation of the financial statements. We believe that our audits provide a\nreasonable basis for our opinion.\nCritical Audit Matters\nThe critical audit matters communicated below are matters arising from the current period audit of the financial statements that were communicated or required to be\ncommunicated to the audit committee and that: (1) relate to accounts or disclosures that are material to the financial statements and (2) involved our especially\nchallenging, subjective or complex judgments. The communication of critical audit matters does not alter in any way our opinion on the consolidated financial statements,\ntaken as a whole, and we are not, by communicating the critical audit matters below, providing separate opinions on the critical audit matters or on the accounts or\ndisclosures to which they relate.\n \nF-2", "03e05f86-059e-410a-a523-784ed06bc7af": "Table of Contents\nRevenue recognition based on certain contracts using a cost input measure of progress\nDescription of the Matter\nAs described in Notes 2 and 3 to the consolidated financial statements, the Company generally recognizes revenue over time as\nservices are provided, as most of its contracts involve a continuous transfer of control to the customer. For certain of these\ncontracts, revenue is recognized under a cost-based input method that requires an estimate of total costs of the performance\nobligation at completion (EAC). \nEstimates of costs at completion are highly subjective to develop and can change over the contract\nperformance period for a variety of reasons and, if significant, these changes could have a material effect on the Company\u2019s results\nof operations.\nAuditing revenue recognition based on the cost-based input method involved subjective auditor judgment because the Company\u2019s\nestimates include costs at completion. \nThe estimates of costs at completion are based on management\u2019s assessment of the stage of\ncompletion of the performance obligations and the time and materials necessary to fulfill its performance obligations under the\ncontracts.\nHow We Addressed the\nMatter in Our Audit\nWe obtained an understanding, evaluated the design, and tested the operating effectiveness of controls over revenue recognition\nunder the cost-based input method. For example, we tested controls over the determination of significant assumptions regarding the\nestimation of costs to be incurred for the performance obligations and controls evaluating the appropriateness of changes in\nestimated future costs.\nTo test the accuracy of the Company\u2019s estimated costs at completion, our audit procedures included, among others, comparing\nestimates of labor costs, subcontractor costs, and materials to prior estimates, comparing margin to historical results of similar\nperformance obligations, and agreeing the key terms to contract documentation and management\u2019s estimates. Our audit procedures\nalso included, among others, validating the nature, timing and extent of the amounts of revenue and costs recorded to date, including\nany changes in transaction price or estimated costs at completion from the prior period, where applicable. For example, to test a\nchange in estimated costs at completion, we inspected underlying evidence for the reason for the change in estimate and the timing\nof such change. We also evaluated whether a lack of change in estimate was appropriate by obtaining an understanding of the stage\nof completion through discussion with program teams and comparing actual results to prior management estimates.\nGovernment Contracting Matters - Provision for Claimed Indirect Costs\nDescription of the Matter\nAs discussed in Note 20 to the consolidated financial statements, in the ordinary course of business, agencies of the U.S.\ngovernment, including the Defense Contract Audit Agency (DCAA), routinely audit the Company\u2019s indirect costs and business\npractices for compliance with the Cost Accounting Standards and the Federal Acquisition Regulation. Such audits may result in,\nand have historically resulted in, the Company\u2019s inability to retain certain claimed indirect costs, including executive and employee\ncompensation, due to differing views of the allowability and reasonableness of such costs. As of March 31, 2024, years subsequent\nto the Company\u2019s fiscal year 2011 remained subject to audit (with the exception of 2022), and final resolution. The Company\nrecognized a liability of $363.7 million for estimated adjustments to claimed indirect costs based on its historical DCAA audit\nresults, including the final resolution of such audits with the Defense Contract Management Agency (DCMA) (the provision for\nclaimed indirect costs).\nAuditing the provision for claimed indirect costs was complex due to the inherently judgmental nature of management\u2019s estimate of\nadjustments to claimed indirect costs based on the number of years that remain open to audit and expected final resolution by\nagencies of the U.S. government. Significant changes in management\u2019s estimate could have a material effect on the Company\u2019s\nresults of operations.\nF-3", "9f2b68fb-7d72-4524-8d53-b5864f532ae2": "Table of Contents\nHow We Addressed the\nMatter in Our Audit\nWe obtained an understanding, evaluated the design, and tested the operating effectiveness of controls over the Company\u2019s\ndetermination of its provision for claimed indirect costs. For example, we tested controls over the application of the available\nhistorical information from resolution of audits and communications from agencies of the U.S. government utilized in the\ndetermination of the estimate. We also tested management\u2019s controls over the completeness and accuracy of the data used.\nTo test the provision for claimed indirect costs, we performed audit procedures that included, among others, testing the clerical\naccuracy of the estimates and the completeness and accuracy of the data utilized in determining the provision, and performing\nanalytical procedures over incremental reserves recorded for the current year. We inspected communications with the DCAA or\nDCMA including current and prior audit reports and final resolutions. We also engaged our government contracting specialists to\nassist in identifying trends and recent experience in DCAA audits to evaluate the data the Company used to estimate the provision\nfor claimed indirect costs.\nCertain unrecognized tax benefits that, if recognized, would affect the effective income tax rate\nDescription of the Matter\nAs discussed in Notes 2 and 13 to the consolidated financial statements, the Company is subject to federal, state and foreign\ntaxation in various jurisdictions. The Company reserves for uncertain tax positions related to unrecognized income tax benefits\nwhere it is not more likely than not that the Company\u2019s tax position will be sustained. As of March 31, 2024, the Company has\nrecorded $104.2 million of reserves for uncertain tax positions that, if recognized, would affect the effective income tax rate. These\nreserves involve considerable judgment and estimation and are evaluated by management based on available information.\nAuditing the unrecognized tax benefits was complex due to the significant judgment in applying the tax law and inherent uncertainty\ninvolved in predicting the ultimate resolution of the matter with the taxing authority.\nHow We Addressed the\nMatter in Our Audit\nWe obtained an understanding, evaluated the design, and tested the operating effectiveness of controls over the Company\u2019s\naccounting for uncertain tax positions. For example, we tested controls over management\u2019s review of the application of the tax law\nand the analysis performed to determine the unrecognized tax benefits. We also tested management\u2019s controls over the\ncompleteness and accuracy of the data used in the calculation of the liabilities recorded.\nTo test the unrecognized tax benefits, we performed audit procedures that included, among others, understanding the application of\nthe tax law and rationale used by management and evaluating whether the uncertain tax position met the \u201cmore likely than not\u201d\nrecognition threshold. For example, we verified our understanding of the relevant facts by reading the Company's analysis of the\napplication of the tax law. We involved our tax subject matter resources in the assessment of the technical merits of the Company\u2019s\ntax positions, considering the applicable tax laws, and the methodology applied. We assessed the mathematical accuracy of\nmanagement\u2019s calculations, reviewed contracts and other source documents, and performed sensitivity analyses related to\nmanagement\u2019s estimate, as appropriate.\n/s/ \nErnst & Young LLP\nWe have served as the Company's auditor since 2006\nTysons, Virginia\nMay 24, 2024\nF-4", "5c445367-356a-4471-8bc4-d25a92a0b3f5": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nCONSOLIDATED BALANCE SHEETS\nMarch 31,\n2024\nMarch 31,\n2023\n \n(Amounts in thousands, except\nshare and per share data)\nASSETS\nCurrent assets:\nCash and cash equivalents\n$\n554,257\n \n$\n404,862\n \nAccounts receivable, net\n2,047,342\n \n1,774,830\n \nPrepaid expenses and other current assets\n137,310\n \n108,366\n \nTotal current assets\n2,738,909\n \n2,288,058\n \nProperty and equipment, net of accumulated depreciation\n188,279\n \n195,186\n \nOperating lease right-of-use assets\n174,345\n \n187,798\n \nIntangible assets, net of accumulated amortization\n601,043\n \n685,615\n \nGoodwill\n2,343,789\n \n2,338,399\n \nDeferred tax assets\n227,171\n \n573,780\n \nOther long-term assets\n290,152\n \n281,816\n \nTotal assets\n$\n6,563,688\n \n$\n6,550,652\n \nLIABILITIES AND STOCKHOLDERS\u2019 EQUITY\nCurrent liabilities:\nCurrent portion of long-term debt\n$\n61,875\n \n$\n41,250\n \nAccounts payable and other accrued expenses\n1,050,670\n \n1,316,640\n \nAccrued compensation and benefits\n506,130\n \n445,205\n \nOperating lease liabilities\n43,187\n \n51,238\n \nOther current liabilities\n30,328\n \n42,721\n \nTotal current liabilities\n1,692,190\n \n1,897,054\n \nLong-term debt, net of current portion\n3,349,941\n \n2,770,895\n \nOperating lease liabilities, net of current portion\n182,134\n \n198,144\n \nIncome tax reserves\n120,237\n \n552,623\n \nOther long-term liabilities\n172,624\n \n139,934\n \nTotal liabilities\n5,517,126\n \n5,558,650\n \nCommitments and contingencies (Note 20)\nStockholders\u2019 equity:\nCommon stock, Class A - $\n0.01\n par value - \n600,000,000\n shares authorized; \n167,402,268\n shares and \n165,872,332\n shares\nissued at March 31, 2024 and March 31, 2023, respectively; \n129,643,123\n shares and \n131,637,588\n shares outstanding at\nMarch 31, 2024 and March 31, 2023, respectively\n1,674\n \n1,659\n \nTreasury stock, at cost - \n37,759,145\n and \n34,234,744\n shares at March 31, 2024 and March 31, 2023, respectively\n(\n2,277,546\n)\n(\n1,859,905\n)\nAdditional paid-in capital\n908,837\n \n769,460\n \nRetained earnings\n2,404,065\n \n2,051,455\n \nAccumulated other comprehensive income\n9,532\n \n29,333\n \nTotal stockholders\u2019 equity\n1,046,562\n \n992,002\n \nTotal liabilities and stockholders\u2019 equity\n$\n6,563,688\n \n$\n6,550,652\n \nThe accompanying notes are an integral part of these Consolidated Financial Statements.\nF-5", "f0329efa-7591-4434-bbbf-92393aaa46a9": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nCONSOLIDATED STATEMENTS OF OPERATIONS\n \nFiscal Year Ended\n March 31,\n \n2024\n2023\n2022\n \n(Amounts in thousands, except per share data)\nRevenue\n$\n10,661,896\n \n$\n9,258,911\n \n$\n8,363,700\n \nOperating costs and expenses:\nCost of revenue\n4,921,071\n \n4,304,810\n \n3,899,622\n \nBillable expenses\n3,281,776\n \n2,808,857\n \n2,474,163\n \nGeneral and administrative expenses\n1,281,443\n \n1,532,912\n \n1,158,987\n \nDepreciation and amortization\n164,203\n \n165,484\n \n145,747\n \nTotal operating costs and expenses\n9,648,493\n \n8,812,063\n \n7,678,519\n \nOperating income\n1,013,403\n \n446,848\n \n685,181\n \nInterest expense\n(\n172,901\n)\n(\n119,850\n)\n(\n92,352\n)\nOther income, net\n12,818\n \n40,951\n \n11,214\n \nIncome before income taxes\n853,320\n \n367,949\n \n604,043\n \nIncome tax expense\n247,614\n \n96,734\n \n137,466\n \nNet income\n605,706\n \n271,215\n \n466,577\n \nNet loss attributable to non-controlling interest\n\u2014\n \n576\n \n163\n \nNet income attributable to common stockholders\n$\n605,706\n \n$\n271,791\n \n$\n466,740\n \nEarnings per share of common stock (Note 4):\nBasic\n$\n4.61\n \n$\n2.04\n \n$\n3.46\n \nDiluted\n$\n4.59\n \n$\n2.03\n \n$\n3.44\n \nThe accompanying notes are an integral part of these Consolidated Financial Statements.\nF-6", "92634d90-d76e-4c41-b850-de7664a0a289": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nCONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME\n \nFiscal Year Ended\n March 31,\n \n2024\n2023\n2022\n \n(Amounts in thousands)\nNet income\n$\n605,706\n \n$\n271,215\n \n$\n466,577\n \nOther comprehensive income, net of tax:\nChange in unrealized (loss) gain on derivatives designated as cash flow hedges\n(\n2,327\n)\n10,109\n \n27,983\n \nChange in postretirement plan costs\n(\n17,474\n)\n10,639\n \n10,373\n \nTotal other comprehensive (loss) income, net of tax\n(\n19,801\n)\n20,748\n \n38,356\n \nComprehensive income\n585,905\n \n291,963\n \n504,933\n \nComprehensive loss attributable to non-controlling interest\n\u2014\n \n576\n \n163\n \nComprehensive income attributable to common stockholders\n$\n585,905\n \n$\n292,539\n \n$\n505,096\n \nThe accompanying notes are an integral part of these Consolidated Financial Statements.\nF-7", "89d3be2b-7e82-47af-a0d1-e06674cb98cd": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nCONSOLIDATED STATEMENTS OF CASH FLOWS\n \nFiscal Year Ended\n March 31,\n \n2024\n2023\n2022\n \n(Amounts in thousands)\nCash flows from operating activities\nNet income\n$\n605,706\n \n$\n271,215\n \n$\n466,577\n \nAdjustments to reconcile net income to net cash provided by operating activities:\nDepreciation and amortization\n164,203\n \n165,484\n \n145,747\n \nNoncash lease expense\n53,604\n \n55,950\n \n55,881\n \nStock-based compensation expense\n94,982\n \n80,272\n \n69,784\n \nDeferred income taxes\n(\n101,006\n)\n(\n353,902\n)\n(\n130,197\n)\nAmortization of debt issuance costs\n4,920\n \n4,350\n \n4,619\n \nLoss on debt extinguishment\n965\n \n10,251\n \n2,515\n \nNet loss (gains) on dispositions, impairments and other\n8,461\n \n(\n45,754\n)\n(\n3,388\n)\nNet loss (gains) associated with equity method investment activities\n421\n \n2,116\n \n(\n12,759\n)\nChanges in assets and liabilities:\nAccounts receivable, net\n(\n269,639\n)\n(\n130,187\n)\n(\n154,652\n)\nIncome taxes receivable / payable\n(\n11,370\n)\n3,708\n \n132,029\n \nPrepaid expenses and other current and long-term assets\n(\n10,367\n)\n181,907\n \n(\n19,489\n)\nAccrued compensation and benefits\n47,741\n \n1,332\n \n12,620\n \nAccounts payable and other accrued expenses\n(\n282,072\n)\n409,516\n \n194,827\n \nOther current and long-term liabilities\n(\n47,711\n)\n(\n53,436\n)\n(\n27,588\n)\nNet cash provided by operating activities\n258,838\n \n602,822\n \n736,526\n \nCash flows from investing activities\nPurchases of property, equipment, and software\n(\n66,699\n)\n(\n76,130\n)\n(\n79,964\n)\nPayments for business acquisitions, net of cash acquired\n(\n406\n)\n(\n440,295\n)\n(\n780,334\n)\nPayments for cost method investments\n(\n23,535\n)\n(\n5,000\n)\n(\n7,000\n)\nProceeds from sale of businesses\n\u2014\n \n53,409\n \n\u2014\n \nOther investing activities\n\u2014\n \n\u2014\n \n(\n427\n)\nNet cash used in investing activities\n(\n90,640\n)\n(\n468,016\n)\n(\n867,725\n)\nCash flows from financing activities\nProceeds from issuance of common stock\n28,665\n \n24,663\n \n23,371\n \nStock option exercises\n15,745\n \n11,384\n \n5,929\n \nRepurchases of common stock\n(\n404,141\n)\n(\n223,858\n)\n(\n418,859\n)\nCash dividends paid\n(\n253,413\n)\n(\n235,726\n)\n(\n209,057\n)\nProceeds from revolving credit facility\n500,000\n \n\u2014\n \n60,000\n \nRepayments on revolving credit facility, term loans, and Senior Notes\n(\n541,250\n)\n(\n417,068\n)\n(\n112,257\n)\nNet proceeds from debt issuance\n635,591\n \n414,751\n \n487,027\n \nNet cash used in financing activities\n(\n18,803\n)\n(\n425,854\n)\n(\n163,846\n)\nNet increase (decrease) in cash and cash equivalents\n149,395\n \n(\n291,048\n)\n(\n295,045\n)\nCash and cash equivalents\u2013\u2013beginning of year\n404,862\n \n695,910\n \n990,955\n \nCash and cash equivalents\u2013\u2013end of year\n$\n554,257\n \n$\n404,862\n \n$\n695,910\n \nSupplemental disclosures of cash flow information\nNet cash paid during the period for:\nInterest\n$\n155,848\n \n$\n115,578\n \n$\n64,699\n \nIncome taxes\n$\n335,911\n \n$\n256,394\n \n$\n127,069\n \nSupplemental disclosures of non-cash investing and financing activities\nShare repurchases transacted but not settled and paid\n$\n29,445\n \n$\n16,432\n \n$\n15,839\n \nUnpaid property, equipment and software purchases\n$\n16,117\n \n$\n\u2014\n \n$\n\u2014\n \n \nThe accompanying notes are an integral part of these Consolidated Financial Statements.\nF-8", "4cdb048a-026c-4688-8a19-f7b83898af09": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nCONSOLIDATED STATEMENTS OF STOCKHOLDERS\u2019 EQUITY\n(Amounts in thousands, except share\ndata)\nClass A\nCommon Stock\nTreasury\nStock\nAdditional\nPaid-In\nCapital\nRetained\nEarnings\nAccumulated\nOther\nComprehensive\nIncome (Loss)\nNon-\nControlling\nInterest\nTotal\nStockholders\u2019\nEquity\nShares\nAmount\nShares\nAmount\nBalance at March 31, 2021\n162,950,606\n$\n1,629\n \n(\n26,704,577\n)\n$\n(\n1,216,163\n)\n$\n557,957\n \n$\n1,757,524\n \n$\n(\n29,771\n)\n$\n\u2014\n \n$\n1,071,176\n \nIssuance of common stock\n1,224,207\n15\n \n\u2014 \n\u2014 \n22,155\n \n\u2014 \n\u2014 \n\u2014 \n22,170\n \nStock options exercised\n197,732\n2\n \n\u2014 \n\u2014 \n5,927\n \n\u2014 \n\u2014 \n\u2014 \n5,929\n \nRepurchase of common stock\n\u2014 \n\u2014 \n(\n5,083,620\n)\n(\n419,291\n)\n\u2014 \n\u2014 \n\u2014 \n(\n419,291\n)\nRecognition of liability related to future\nrestricted stock units vesting\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n1,213\n \n\u2014 \n\u2014 \n\u2014 \n1,213\n \nNet income\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n466,740\n \n(\n163\n)\n466,577\n \nOther comprehensive income, net of tax\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n38,356\n \n\u2014 \n38,356\n \nDividends paid of $\n1.54\n per share of\ncommon stock\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n(\n209,193\n)\n\u2014 \n\u2014 \n(\n209,193\n)\nStock-based compensation expense\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n69,784\n \n\u2014 \n\u2014 \n\u2014 \n69,784\n \nContribution to non-controlling interest\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n(\n814\n)\n\u2014 \n\u2014 \n814\n \n\u2014\n \nBalance at March 31, 2022\n164,372,545\n$\n1,646\n \n(\n31,788,197\n)\n$\n(\n1,635,454\n)\n$\n656,222\n \n$\n2,015,071\n \n$\n8,585\n \n$\n651\n \n$\n1,046,721\n \nIssuance of common stock\n1,170,726\n10\n \n\u2014 \n\u2014 \n24,653\n \n\u2014 \n\u2014 \n\u2014 \n24,663\n \nStock options exercised\n329,061\n3\n \n\u2014 \n\u2014 \n11,381\n \n\u2014 \n\u2014 \n\u2014 \n11,384\n \nRepurchase of common stock\n\u2014 \n\u2014 \n(\n2,446,547\n)\n(\n224,451\n)\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n(\n224,451\n)\nNet income\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n271,791\n \n\u2014 \n(\n576\n)\n271,215\n \nOther comprehensive income, net of tax\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n20,748\n \n\u2014 \n20,748\n \nDividends paid of $\n1.76\n per share of\ncommon stock\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n(\n235,407\n)\n\u2014 \n\u2014 \n(\n235,407\n)\nStock-based compensation expense\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n80,272\n \n\u2014 \n\u2014 \n\u2014 \n80,272\n \nContribution to non-controlling interest\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n(\n3,068\n)\n\u2014 \n\u2014 \n3,068\n \n\u2014\n \nDe-Consolidation of non-controlling\ninterest\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n(\n3,143\n)\n(\n3,143\n)\nBalance at March 31, 2023\n165,872,332\n$\n1,659\n \n(\n34,234,744\n)\n$\n(\n1,859,905\n)\n$\n769,460\n \n$\n2,051,455\n \n$\n29,333\n \n$\n\u2014\n \n$\n992,002\n \nIssuance of common stock\n1,194,324\n12\n \n\u2014 \n\u2014 \n28,653\n \n\u2014 \n\u2014 \n\u2014 \n28,665\n \nStock options exercised\n335,612\n3\n \n\u2014 \n\u2014 \n15,742\n \n\u2014 \n\u2014 \n\u2014 \n15,745\n \nRepurchase of common stock\n\u2014 \n\u2014 \n(\n3,524,401\n)\n(\n417,641\n)\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n(\n417,", "eb34e8e5-9687-48a2-8d7f-fa1f08bd2c62": "143\n)\n(\n3,143\n)\nBalance at March 31, 2023\n165,872,332\n$\n1,659\n \n(\n34,234,744\n)\n$\n(\n1,859,905\n)\n$\n769,460\n \n$\n2,051,455\n \n$\n29,333\n \n$\n\u2014\n \n$\n992,002\n \nIssuance of common stock\n1,194,324\n12\n \n\u2014 \n\u2014 \n28,653\n \n\u2014 \n\u2014 \n\u2014 \n28,665\n \nStock options exercised\n335,612\n3\n \n\u2014 \n\u2014 \n15,742\n \n\u2014 \n\u2014 \n\u2014 \n15,745\n \nRepurchase of common stock\n\u2014 \n\u2014 \n(\n3,524,401\n)\n(\n417,641\n)\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n(\n417,641\n)\nNet income\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n605,706\n \n\u2014 \n\u2014\n \n605,706\n \nOther comprehensive income, net of tax\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n\u2014 \n(\n19,801\n)\n\u2014 \n(\n19,801\n)\nDividends paid of $\n1.92\n per share of\ncommon stock\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n(\n253,096\n)\n\u2014 \n\u2014 \n(\n253,096\n)\nStock-based compensation expense\n\u2014 \n\u2014 \n\u2014 \n\u2014 \n94,982\n \n\u2014 \n\u2014 \n\u2014 \n94,982\n \nBalance at March 31, 2024\n167,402,268\n$\n1,674\n \n(\n37,759,145\n)\n$\n(\n2,277,546\n)\n$\n908,837\n \n$\n2,404,065\n \n$\n9,532\n \n$\n\u2014\n \n$\n1,046,562\n \nThe accompanying notes are an integral part of these Consolidated Financial Statements.\nF-9", "c54f3bbf-67dc-4b44-8b61-585203e0a103": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\n1. \nBusiness Overview\nOur Business\nBooz Allen Hamilton Holding Corporation, including its wholly owned subsidiaries, or the Company, we, us, and our, was incorporated in Delaware in May 2008.\nThe Company provides management and technology consulting, analytics, engineering, digital solutions, mission operations, and cyber services to U.S. and international\ngovernments, major corporations, and not-for-profit organizations. The Company reports operating results and financial data in \none\n reportable segment. The Company is\nheadquartered in McLean, Virginia, with approximately \n34,200\n employees as of March 31, 2024.\n2. \nSummary of Significant Accounting Policies\nBasis of Presentation\nThe accompanying consolidated financial statements include the accounts of the Company and its subsidiaries that are majority-owned or otherwise controlled by\nthe Company and have been prepared in accordance with accounting principles generally accepted in the United States (\u201cU.S. GAAP\u201d), and the rules and regulations of\nthe U.S. Securities and Exchange Commission (the \u201cSEC\u201d). All intercompany balances and transactions have been eliminated in consolidation.\nThe consolidated financial statements and notes of the Company include its subsidiaries and other entities over which the Company has a controlling financial\ninterest or where the Company is a primary beneficiary. The Company uses the equity method to account for investments in entities that it does not control if it is\notherwise able to exert significant influence over the entities' operating and financial policies. Equity investments in entities over which the Company does not have the\nability to exercise significant influence and whose securities do not have a readily determinable fair value are carried at cost (measurement alternative).\nThe Company\u2019s fiscal year ends on March 31 and unless otherwise noted, references to fiscal year or fiscal are for fiscal years ended March 31.\n The accompanying\nconsolidated financial statements present the financial position of the Company as of March 31, 2024 and 2023 and the Company\u2019s results of operations for fiscal 2024,\n2023, and 2022.\nCertain amounts reported in the Company's prior year consolidated financial statements have been reclassified to conform to the current year presentation.\nAccounting Estimates\nThe preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported\namounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements, and the reported amounts of\nrevenue and expenses during the reporting periods. Areas of the consolidated financial statements where estimates may have the most significant effect include the\nprovision for claimed indirect costs, valuation and expected lives of tangible and intangible assets, impairment of long-lived assets, accrued liabilities, revenue\nrecognition, including the accrual of indirect costs, bonus and other incentive compensation, stock-based compensation, reserves for uncertain tax positions and\nvaluation allowances on deferred tax assets, provisions for income taxes, postretirement obligations, collectability of receivables, and loss accruals for litigation. Actual\nresults experienced by the Company may differ materially from management's estimates.\nRevenue Recognition\nThe Company's revenues from contracts with customers (clients) are derived from offerings that include management and technology consulting services, analytics,\ndigital solutions, engineering, mission operations and cyber services, substantially all with the U.S. government and its agencies, and to a lesser extent, subcontractors.\nThe Company also serves foreign governments, as well as domestic and international commercial clients. The Company performs and generates revenue under three\nbasic types of contracts, as described below:\n\u2022\nCost-Reimbursable Contracts: Cost-reimbursable contracts provide for the payment of allowable costs incurred during performance of the contract, up\nto a ceiling based on the amount that has been funded, plus a fixed fee or award fee.\n\u2022\nTime-and-Materials Contracts: Under contracts in this category, we are paid a fixed hourly rate for each direct labor hour expended, and we are\nreimbursed for billable material costs and billable out-of-pocket expenses inclusive of allocable indirect costs. We assume the financial risk on time-and-\nmaterials contracts because our costs of performance may exceed negotiated hourly rates.\nF-10", "6cd5d32c-271d-4f11-b2bc-b07035f0bd3b": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\n\u2022\nFixed-Price Contracts: Under a fixed-price contract, we agree to perform the specified work for a predetermined price. To the extent our actual direct and\nallocated indirect costs decrease or increase from the estimates upon which the price was negotiated, we will generate more or less profit, respectively,\nor could incur a loss.\nThe Company considers a contract with a customer to exist under Accounting Standards Codification (\u201cASC\u201d) No. 606, Revenue from Contracts with Customers\n(\u201cTopic 606\u201d), when there is approval and commitment from both the Company and the customer, the rights of the parties and payment terms are identified, the contract\nhas commercial substance, and collectability of consideration is probable. The Company also will consider whether two or more contracts entered into with the same\ncustomer should be combined and accounted for as a single contract. Furthermore, in certain transactions with commercial clients and with the U.S. government, the\nCompany may commence providing services prior to receiving a formal approval from the customer. In these situations, the Company will consider the factors noted\nabove, the risks associated with commencing the work and legal enforceability in determining whether a contract with the customer exists under Topic 606.\nCustomer contracts are often modified to change the scope, price, specifications or other terms within the existing arrangement. Contract modifications are\nevaluated by management to determine whether the modification should be accounted for as part of the original performance obligation(s) or as a separate contract. If the\nmodification adds distinct goods or services and increases the contract value proportionate to the stand-alone selling price of the additional goods or services, it will be\naccounted for as a separate contract. Generally, the Company\u2019s contract modifications do not include goods or services which are distinct, and therefore are accounted\nfor as part of the original performance obligation(s) with any impact on transaction price or estimated costs at completion being recorded as through a cumulative catch-\nup adjustment to revenue.\nThe Company evaluates each service deliverable contracted with the customer to determine whether it represents promises to transfer distinct goods or services.\nUnder Topic 606, these are referred to as performance obligations. One or more service deliverables often represent a single performance obligation. This evaluation\nrequires significant judgment and the impact of combining or separating performance obligations may change the time over which revenue from the contract is\nrecognized. The Company\u2019s contracts generally provide a set of integrated or highly interrelated tasks or services and are therefore accounted for as a single performance\nobligation. However, in cases where we provide more than one distinct good or service within a customer contract, the contract is separated into individual performance\nobligations which are accounted for discretely.\nThe Company's performance obligations are typically satisfied over time and revenue is generally recognized using a cost-based input method. Fixed-price contracts\nare typically billed to the customer using milestone or fixed monthly payments, while cost-reimbursable-plus-fee and time-and-materials contracts are typically billed to\nthe customer at periodic intervals (e.g. monthly or weekly) as indicated by the terms of the contract. Disparities between the timing of revenue recognition and customer\nbillings and cash collections result in net contract assets or liabilities being recognized at the end of each reporting period.\nContract assets primarily consist of unbilled receivables typically resulting from revenue recognized exceeding the amount billed to the customer and right to\npayment is not just subject to the passage of time. Unbilled amounts represent revenues for which billings have not yet been presented to customers. These amounts are\ngenerally billed and collected within one year subject to various conditions including, without limitation, appropriated and available funding. Long-term unbilled\nreceivables not anticipated to be billed and collected within one year, which are primarily related to retainage, holdbacks, and long-term rate settlements to be billed at\ncontract closeout, are included in other long-term assets in the accompanying consolidated balance sheets. Contract liabilities primarily consist of advance payments,\nbillings in excess of costs incurred and deferred revenue. Contract assets and liabilities are reported on a net contract basis at the end of each reporting period. The\nCompany maintains an allowance for credit losses to provide for an estimate of uncollectible receivables.\nChanges in contract assets and contract liabilities are primarily due to the timing difference between the Company\u2019s performance of services and payments from\ncustomers. To determine revenue recognized from contract liabilities during the reporting periods, the Company allocates revenue to individual contract liability balances\nand applies revenue recognized during the reporting periods first to the beginning balances of contract liabilities until the revenue exceeds the balances.\nF-11", "9efaeee1-df38-45e4-b06d-2e339c16894a": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nContracts with the U.S. government are generally subject to the Federal Acquisition Regulation (the \u201cFAR\u201d) and are priced based on estimated or actual costs of\nproviding the goods or services. The Company derives a majority of its revenue from contracts awarded through a competitive bidding process. Pricing for non-U.S.\ngovernment agencies and commercial customers is based on discrete negotiations with each customer. Certain of the Company\u2019s contracts contain award fees, incentive\nfees or other provisions that may increase or decrease the transaction price. These variable amounts generally are awarded upon achievement of certain performance\nmetrics, program milestones or cost targets and may be based upon customer discretion. Management estimates variable consideration as the most likely amount that we\nexpect to achieve based on our assessment of the variable fee provisions within the contract, prior experience with similar contracts or clients, and management\u2019s\nevaluation of the performance on such contracts. The Company may perform work under a contract that has not been fully funded if the work has been authorized by\nmanagement and the customer to proceed. The Company evaluates unfunded amounts as variable consideration in estimating the transaction price. We include the\nestimated variable consideration in our transaction price to the extent that it is probable that a significant reversal of revenue will not occur upon the ultimate settlement\nof the variable fee provision. Our U.S. government contracts generally contain FAR provisions that enable the customer to terminate a contract for default or for the\nconvenience of the U.S. government.\nThe Company recognizes revenue for each performance obligation identified within our customer contracts when, or as, the performance obligation is satisfied by\ntransferring the promised goods or services. Revenue may either be recognized over time or at a point in time. The Company generally recognizes revenue over time as\nour contracts typically involve a continuous transfer of control to the customer. A continuous transfer of control under contracts with the U.S. government and its\nagencies is evidenced by clauses which require the Company to be paid for costs incurred plus a reasonable margin in the event that the customer unilaterally terminates\nthe contract for convenience. For contracts where the Company recognizes revenue over time, a contract cost-based input method is generally used to measure progress\ntowards satisfaction of the underlying performance obligation(s). Contract costs include direct costs such as materials, labor and subcontract costs, as well as indirect\ncosts identifiable with, or allocable to, a specific contract that are expensed as incurred. The Company does not incur material incremental costs to acquire or fulfill\ncontracts. Under a contract cost-based input method, revenue is recognized based on the proportion of contract costs incurred to the total estimated costs expected to be\nincurred upon completion of the underlying performance obligation. The Company generally includes both funded and unfunded portions of customer contracts in this\nestimation process.\nFor interim financial reporting periods, contract revenue attributable to indirect costs is recognized based upon agreed-upon annual forward-pricing rates\nestablished with the U.S. government at the start of each fiscal year. Forward pricing rates are estimated and agreed upon between the Company and the U.S. government\nand represent indirect contract costs required to execute and administer contract obligations. The impact of any agreed-upon changes, or changes in the estimated annual\nforward-pricing rates, are recorded in the interim financial reporting period when such changes are identified. These changes relate to the interim financial reporting period\ndifferences between the actual indirect costs incurred and allocated to customer contracts compared to the estimated amounts allocated to contracts using the estimated\nannual forward-pricing rates established with the U.S. government. At the end of each fiscal year, estimated annual forward-pricing rates are adjusted to reported actual\nrates, with contract revenue attributable to indirect costs adjusted accordingly. These preliminary actual rates and their ultimate impact on contract revenue are subject to\nfinal audit and negotiation with the U.S. government, which may take place several years in the future.\nOn certain contracts, principally time-and-materials and cost-reimbursable-plus-fee contracts, revenue is recognized using the right-to-invoice practical expedient as\nthe Company is contractually able to invoice the customer based on the control transferred. However, we did not elect to use the practical expedient which would allow\nthe Company to exclude contracts recognized using the right-to-invoice practical expedient from the remaining performance obligations disclosed below.", "f3157e39-8c53-42ee-b788-22106f0cbaaa": "government. At the end of each fiscal year, estimated annual forward-pricing rates are adjusted to reported actual\nrates, with contract revenue attributable to indirect costs adjusted accordingly. These preliminary actual rates and their ultimate impact on contract revenue are subject to\nfinal audit and negotiation with the U.S. government, which may take place several years in the future.\nOn certain contracts, principally time-and-materials and cost-reimbursable-plus-fee contracts, revenue is recognized using the right-to-invoice practical expedient as\nthe Company is contractually able to invoice the customer based on the control transferred. However, we did not elect to use the practical expedient which would allow\nthe Company to exclude contracts recognized using the right-to-invoice practical expedient from the remaining performance obligations disclosed below. Additionally, for\nstand-ready performance obligations to provide services under fixed-price contracts, revenue is recognized over time using a straight-line measure of progress as the\ncontrol of the services is provided to the customer ratably over the term of the contract. If a contract does not meet the criteria for recognition of revenue over time, we\nrecognize revenue at the point in time when control of the good or service is transferred to the customer. Determining a measure of progress towards the satisfaction of\nperformance obligations requires management to make judgments that may affect the timing of revenue recognition.\nF-12", "8facbb10-8879-47d3-89dd-9a907da07f61": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nMany of our contracts recognize revenue under a contract cost-based input method and require an Estimate-at-Completion (\u201cEAC\u201d) process, which management\nuses to review and monitor the progress towards the completion of our performance obligations. Under this process, management considers various inputs and\nassumptions related to the EAC, including, but not limited to, progress towards completion, labor costs and productivity, material and subcontractor costs, and identified\nrisks. Estimating the total cost at completion of performance obligations is subjective and requires management to make assumptions about future activity and cost\ndrivers under the contract. Changes in these estimates can occur for a variety of reasons and, if significant, may impact the profitability of the Company\u2019s contracts.\nChanges in estimates related to contracts accounted for under the EAC process are recognized in the period when such changes are made on a cumulative catch-up\nbasis. If the estimate of contract profitability indicates an anticipated loss on a contract, the Company recognizes the total loss at the time it is identified. For fiscal 2024,\n2023 and 2022, the aggregate impact of adjustments in contract estimates was not material.\nRemaining performance obligations represent the transaction price of exercised contracts for which work has not yet been performed, irrespective of whether\nfunding has or has not been authorized and appropriated as of the date of exercise. Remaining performance obligations exclude negotiated but unexercised options, the\nunfunded value of expired contracts, and certain variable consideration which the Company does not expect to recognize as revenue.\nCash and Cash Equivalents\nCash and cash equivalents include unrestricted cash accounts and highly liquid investments that have a maturity of three months or less at the date of purchase.\nThe Company\u2019s cash equivalents consist primarily of government money market funds and money market deposit accounts. The Company maintains its cash and cash\nequivalents in bank accounts that, at times, exceed the federally insured FDIC limits. The Company has not experienced any losses in such accounts.\nValuation of Accounts Receivable\nThe Company maintains allowances for doubtful accounts against certain accounts receivables based upon the latest information regarding whether specific\ncharges are recoverable or invoices are ultimately collectible. Assessing the recoverability of charges and collectability of customer receivables requires management\njudgment. The Company determines its allowance for doubtful accounts by specifically analyzing individual accounts receivable, historical bad debts, customer credit-\nworthiness, current economic conditions, accounts receivable aging trends for billed receivables, availability of funding, compliance with contractual terms and\nconditions, client satisfaction with work performed, and other factors impacting accounts receivables. Valuation reserves are periodically re-evaluated and adjusted as\nmore information about the ultimate recoverability and collectability of accounts receivable becomes available. Upon determination that a receivable is uncollectible, the\nreceivable balance and any associated reserve are written off.\nConcentrations of Credit Risk\nFinancial instruments that potentially subject the Company to concentrations of credit risk consist primarily of cash equivalents and accounts receivable. The\nCompany\u2019s cash equivalents are generally invested in U.S. government money market funds and money market deposit accounts. The Company believes that credit risk\nfor accounts receivable is limited as the receivables are primarily with the U.S. government.\nProperty and Equipment\nProperty and equipment are recorded at cost, and the balances are presented net of accumulated depreciation. Depreciation is calculated using the straight-line\nmethod over the estimated useful lives of the assets. Furniture and equipment is depreciated over \nfive\n to \nten years\n, and computer equipment is depreciated over \nfour\nyears\n. Leasehold improvements are amortized over the shorter of the useful life of the asset or lease term. Maintenance and repairs are charged to expense as incurred.\nBusiness Combinations\nThe accounting for the Company\u2019s business combinations consists of allocating the purchase price to tangible and intangible assets acquired and liabilities\nassumed based on their estimated fair values, with the excess recorded as goodwill. The Company has up to one year from the acquisition date to use information as of\neach acquisition date to adjust the fair value of the acquired assets and liabilities which may result in material changes to their recorded values with an offsetting\nadjustment to goodwill.\nF-13", "65f4ba7e-bb87-4db7-b73b-cac69bd67f3f": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nIntangible Assets\nIntangible assets primarily consist of programs and contracts assets, channel relationships, the Company's trade name, customer relationships, software and other\namortizable intangible assets. The Company capitalizes the following costs associated with developing internal-use computer software pertaining to upgrades in our\nbusiness and financial systems: (i) external direct costs of materials and services consumed in developing or obtaining internal-use computer software and (ii) certain\npayroll and payroll-related costs for Company employees who are directly associated with the development of internal-use software, to the extent of the time spent\ndirectly on the project. Programs and contract assets, channel relationships, and other amortizable intangible assets are generally amortized on an accelerated basis over\nthe expected life based on projected future cash flows of approximately \ntwo\n to \nfourteen years\n. Software purchased or developed for internal use is amortized over \none\n to\nten years\n. The Company's trade name intangible asset is not amortized, but is tested for impairment on at least an annual basis as of January 1 and more frequently if\ninterim indicators of impairment exist. The trade name is considered to be impaired if the carrying value exceeds its estimated fair value. The Company uses the relief from\nroyalty method to estimate the fair value. The fair value of the asset is the present value of the license fees avoided by owning the asset, or the royalty savings.\n During\nthe fiscal years ended March 31, 2024, 2023, and 2022, the Company did \nno\nt record any impairment of intangible assets.\nGoodwill\nThe Company assesses goodwill for impairment on at least an annual basis on January 1 unless interim indicators of impairment exist. Goodwill is considered to be\nimpaired when the net book value of a reporting unit exceeds its estimated fair value. The Company operates as a single operating segment and as a single reporting unit\nfor the purpose of evaluating goodwill. As of January 1, 2024, the Company performed its annual impairment test of goodwill by comparing the fair value of the Company\n(based on market capitalization) to the carrying value of the Company's net equity, and concluded that the fair value of the reporting unit was significantly greater than\nthe carrying amount.\n During the fiscal years ended March 31, 2024, 2023, and 2022, the Company did \nno\nt record any impairment of goodwill.\nLong-Lived Assets\nThe Company reviews its long-lived assets, including property and equipment, amortizable intangible assets, and right-of-use (\u201cROU\u201d) assets, for impairment\nwhenever events or changes in circumstances indicate that the carrying amounts of the assets may not be fully recoverable. If the total of the expected undiscounted\nfuture net cash flows is less than the carrying amount of the asset, a loss is recognized for any excess of the carrying amount over the fair value of the asset.\n During the\nfiscal years ended March 31, 2024, 2023, and 2022, the Company did \nno\nt record any material impairment charges.\nLeases\nAt contract inception, the Company determines whether the contract is, or contains, a lease, which exists when the contract conveys the right to control the use of\nidentified property or equipment for a period of time in exchange for consideration. Operating lease balances are included in operating lease ROU assets, operating lease\nliabilities, and operating lease liabilities, net of current portion in our consolidated balance sheet. Cash payments arising from operating leases are classified within\noperating activities in the consolidated statement of cash flows. As of March 31, 2024, the Company had no finance leases.\nThe Company's leases are generally for facilities and office space and the Company recognizes ROU assets and lease liabilities at the lease commencement date for\nthose arrangements. The initial lease liability is equal to the present value of the future minimum lease payments over the lease term. The initial measurement of the ROU\nasset is equal to the initial lease liability plus any initial direct costs and prepaid lease payments, less any lease incentives. At the lease commencement date, the\nCompany estimates its collateralized incremental borrowing rate based on publicly available yields adjusted for Company-specific considerations and the Company's\nvarying lease terms in determining the present value of future payments.", "12fb9963-7222-42d5-8fc2-3abaac5cfe62": "Cash payments arising from operating leases are classified within\noperating activities in the consolidated statement of cash flows. As of March 31, 2024, the Company had no finance leases.\nThe Company's leases are generally for facilities and office space and the Company recognizes ROU assets and lease liabilities at the lease commencement date for\nthose arrangements. The initial lease liability is equal to the present value of the future minimum lease payments over the lease term. The initial measurement of the ROU\nasset is equal to the initial lease liability plus any initial direct costs and prepaid lease payments, less any lease incentives. At the lease commencement date, the\nCompany estimates its collateralized incremental borrowing rate based on publicly available yields adjusted for Company-specific considerations and the Company's\nvarying lease terms in determining the present value of future payments. Certain of the Company\u2019s leases contain options to renew or to terminate the lease which are\nincluded in the determination of the ROU assets and lease liabilities when it is reasonably certain that the Company will exercise the option. The Company's leases may\nalso include variable lease payments, such as an escalation clause based on consumer price index rates, maintenance costs, and utilities. Variable lease payments that\ndepend on an index or a rate are included in the determination of ROU assets and lease liabilities using the index or rate at the lease commencement date, whereas variable\nlease-related payments that do not depend on an index or rate are recorded as lease expense in the period incurred. ROU assets are evaluated for impairment in a manner\nconsistent with the treatment of other long-lived assets.\nF-14", "ca265b6c-752b-441b-a246-c730edada4a5": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nAs permitted under Accounting Standards Update (\u201cASU\u201d) 2016-02, \nLeases (Topic 842) \n(\u201cTopic 842\u201d), the Company elected the short-term lease policy election\nnot to recognize ROU assets and lease liabilities for leases with an initial term of 12 months or less; lease expense from these leases is recognized on a straight-line basis\nover the lease term. As further permitted under Topic 842, for all material classes of leased assets, the Company elected to apply the practical expedient to not separate\nlease components from non-lease components, and instead account for both components as a single lease component.\n As of March 31, 2024, the Company did not have\nany lease agreements with residual value guarantees or material restrictions or covenants.\nIncome Taxes\nThe Company provides for income taxes as a \u201cC\u201d corporation on income earned from operations. The Company is subject to federal, state, and foreign taxation in\nvarious jurisdictions.\nDeferred tax assets and liabilities are recorded to recognize the expected future tax benefits or costs of events that have been, or will be, reported in different years\nfor financial statement purposes than for tax purposes. Deferred tax assets and liabilities are computed based on the difference between the consolidated financial\nstatement carrying amount and tax basis of assets and liabilities using enacted tax rates and laws for the years in which these items are expected to reverse. If\nmanagement determines that some portion or all of a deferred tax asset is not \u201cmore likely than not\u201d to be realized, a valuation allowance is recorded as a component of\nthe income tax provision to reduce the deferred tax asset to an appropriate level in that period. In determining the need for a valuation allowance, management considers\nall positive and negative evidence, including historical earnings, projected future taxable income, future reversals of existing taxable temporary differences, taxable income\nin prior carryback periods, and prudent, feasible tax-planning strategies.\nThe Company periodically assesses its tax positions for all periods open to examination by tax authorities based on the latest available information. Those\npositions are evaluated to determine whether they will more likely than not be sustained upon examination by the Internal Revenue Service (\u201cIRS\u201d) or other taxing\nauthorities. The Company reserves for these uncertain tax positions related to unrecognized income tax benefits where it is not more likely than not that the Company\u2019s\ntax position will be\n \nsustained on examination and settlement with the various taxing authorities. Liabilities for unrecognized tax benefits are measured based on the largest\namount of benefit that is greater than 50% likely of being realized upon ultimate settlement. These unrecognized tax benefits are recorded as a component of income tax\nexpense. As uncertain tax positions in periods open to examination are closed out, or as new information becomes available, the resulting change is reflected in the\nrecorded liability and income tax expense. Penalties and interest recognized related to the reserves for uncertain tax positions are recorded as a component of income tax\nexpense.\nComprehensive Income\nComprehensive income is the change in equity of a business enterprise during a period from transactions and other events and circumstances from non-owner\nsources, and is presented in the consolidated statements of comprehensive income. Accumulated other comprehensive income as of March 31, 2024 and 2023 consisted\nof net unrealized gains or losses on the Company\u2019s defined and postretirement benefit plans and unrealized gains or losses on interest rate swaps designated as cash\nflow hedges.\nStock-Based Compensation\nStock-based compensation to employees is recognized in the consolidated statements of operations based on the grant date fair values with the expense for time\nvested awards recognized on an accelerated basis over the vesting perio\nd. The Company estimates forfeitures anticipated to occur during the vesting period for the\npurposes of recognizing costs associated with stock-based compensation. The expense for performance awards is estimated at each reporting date using management's\nexpectation of the probable achievement of the specified performance criteria and is recognized straight line over the vesting pe\nriod. The Company uses the Black-\nScholes option-pricing model to determine the fair value of its option awards at the time of grant.\nDefined Contribution Plan and Other Post-Retirement Benefits\nThe Company recognizes the underfunded status of defined contribution plans and other post-retirement benefits on the consolidated balance sheets within other\nlong-term liabilities.", "b9e7decc-6207-4063-a8fd-3382a068e57b": "Stock-Based Compensation\nStock-based compensation to employees is recognized in the consolidated statements of operations based on the grant date fair values with the expense for time\nvested awards recognized on an accelerated basis over the vesting perio\nd. The Company estimates forfeitures anticipated to occur during the vesting period for the\npurposes of recognizing costs associated with stock-based compensation. The expense for performance awards is estimated at each reporting date using management's\nexpectation of the probable achievement of the specified performance criteria and is recognized straight line over the vesting pe\nriod. The Company uses the Black-\nScholes option-pricing model to determine the fair value of its option awards at the time of grant.\nDefined Contribution Plan and Other Post-Retirement Benefits\nThe Company recognizes the underfunded status of defined contribution plans and other post-retirement benefits on the consolidated balance sheets within other\nlong-term liabilities. Gains and losses, and prior service costs and credits that have not yet been recognized through net periodic benefit cost are recognized in\naccumulated other comprehensive loss, net of tax effects, and will be amortized as a component of net periodic cost in future periods. The measurement date, the date at\nwhich the benefit obligations are measured, is the Company\u2019s fiscal year-end.\nF-15", "225e7675-b02d-41d4-b13a-327e4e510e03": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nSelf-Funded Medical Plans\nThe Company maintains self-funded medical insurance. Self-funded plans include Consumer Driven Health Plans with a Health Savings Account option and\ntraditional choice plans. Further, self-funded plans also include prescription drug and dental benefits. The Company records an incurred but unreported claim liability in\nthe accrued compensation and benefits line of the consolidated balance sheets for self-funded plans based on an actuarial valuation. The estimate of the incurred but\nunreported claim liability was provided by a third-party valuation firm, primarily based on claims and participant data for the medical, dental, and pharmacy related costs.\nFair Value Measurements\nFair value is the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement\ndate. In determining fair value, the Company considers the principal or most advantageous market in which the asset or liability would transact, and if necessary,\nconsiders assumptions that market participants would use when pricing the asset or liability.\nThe accounting standard for fair value measurements establishes a three-tier value hierarchy, which prioritizes the inputs used in measuring fair value as follows:\nobservable inputs such as quoted prices in active markets (\u201cLevel 1\u201d); inputs other than quoted prices in active markets that are observable either directly or indirectly\n(\u201cLevel 2\u201d); and unobservable inputs in which there is little or no market data, which requires the Company to develop its own assumptions (\u201cLevel 3\u201d). A financial\ninstrument's level within the fair value hierarchy is based on the lowest level of input that is significant to the fair value measurement.\nInvestments in Variable Interest Entities and Other Investments\nThe Company invests in certain companies that advance or develop new technologies applicable to its business. Each investment is evaluated for consolidation\nunder the variable interest entities model and/or the voting interest model. The results of these investments are not material to the consolidated financial statements for\nthe periods presented. The Company uses the equity method to account for investments in entities that it does not control if it is otherwise able to exert significant\ninfluence over the entities' operating and financial policies. Equity investments in entities over which the Company does not have the ability to exercise significant\ninfluence and whose securities do not have a readily determinable fair value are Level 3 inputs and are accounted for under the measurement alternative. As of March 31,\n2024 and March 31, 2023, respectively, the total of equity and other investments related to unconsolidated entities included in other long term assets of the Company\u2019s\nconsolidated balance sheet were $\n42.0\n million and $\n23.1\n million.\nRecently Adopted Accounting Pronouncements\nIn October 2021, the Financial Accounting Standards Board (\u201cFASB\u201d) issued ASU 2021-08, \nBusiness Combinations (Topic 805): Accounting for Contract Assets\nand Contract Liabilities from Contracts with Customers \n(\u201cTopic 805\u201d)\n,\n which amends the accounting for acquired revenue contracts with customers in a business\ncombination to address recognition of an acquired contract liability and payment terms, and their effect on subsequent revenue recognized by the acquirer. Topic 805 is\neffective for annual periods beginning after December 15, 2022 on a prospective basis. Early adoption is permitted. The Company early adopted the requirements of Topic\n805 to apply the amendments prospectively to all business combinations that occurred on or after April 1, 2022.\nF-16", "ca8ddb4e-6266-4763-afd4-4dc2a0c812f7": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nIn March 2020, the FASB issued ASU 2020-04, \nReference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting\n(\u201cTopic 848\u201d). The guidance is intended to provide relief for entities impacted by reference rate reform. Topic 848 contains provisions and optional accounting expedients\ndesigned to simplify requirements around the designation of hedging relationships, probability assessments of hedged forecasted transactions, and accounting for\nmodifications of contracts that refer to the London Interbank Offered Rate (\u201cLIBOR\u201d) or other rates affected by reference rate reform. The guidance is elective and is\neffective on the date of issuance. Topic 848 is applied prospectively to contract modifications and as of the effective date for existing and new eligible hedging\nrelationships. During the first quarter of fiscal 2024, the Company modified its interest rate swap agreements to transition from LIBOR-indexed to Term Secured Overnight\nFinancing Rate (\u201cSOFR\u201d) indexed periodic swap payments to align with interest payments in connection with its Term SOFR-indexed debt. As such, the Company elected\nthe optional expedients under Topic 848 which allows the cash flow hedge to continue being recognized under hedge accounting without de-designation upon a change\nin critical terms affected by the reference rate reform. The adoption of this guidance did not have a material impact on the consolidated financial statements and\ndisclosures. The Company has elected to apply the hedge accounting practical expedient related to the probability of hedged future LIBOR-indexed cash flows and\ncontinued its quantitative method of assessing subsequent hedge effectiveness in the fourth quarter of fiscal 2020. Further, during the second quarter of fiscal year 2023,\nthe Company transitioned its term loans from LIBOR-indexed interest payments to Term SOFR-indexed interest payments in connection with the Ninth Amendment of the\nCredit Agreement. For its interest rate swaps designated as cash flow hedges, the Company elected to apply certain of the accounting expedients to assume that the\nreference rates, which hedged forecasted transactions will be based on, match the LIBOR-indexed rates used in the Company's interest rate swaps consistent with past\npresentation. The Company continues to evaluate the impact of Topic 848 and may apply other elections, as applicable. The adoption of this guidance did not have a\nmaterial impact on the consolidated financial statements and disclosures.\nRecent Accounting Pronouncements Not Yet Adopted\nIn November 2023, the FASB issued ASU 2023-07, Segment Reporting (Topic 280), which enhances reportable segment disclosure requirements, including\nsignificant segment expenses and interim disclosures (\u201cTopic 280\u201d). The guidance allows for disclosure of multiple measures of a segment\u2019s profit or loss, and it requires\nthat public entities with a single reportable segment provide all disclosures required by the ASU and all existing disclosures in Topic 280. ASU 2023-07 is effective for\nannual periods beginning after December 15, 2023 and interim periods within fiscal years beginning after December 15, 2024. The amendments are to be applied\nretrospectively, and early adoption is permitted. The Company is currently assessing the impact of this update and does not expect this update to have a material impact\non its present or historical consolidated financial statements.\nOther recent accounting pronouncements issued during fiscal 2024 and through the filing date are not expected to have a material impact on the Company's present\nor historical consolidated financial statements.\n3. \nRevenue\nDisaggregation of Revenue\nWe disaggregate our revenue from contracts with customers by contract type and by customer type, as well as by whether the Company acts as prime contractor or\nsub-contractor, as we believe these categories best depict how the nature, amount, timing and uncertainty of our revenue and cash flows are affected by economic\nfactors. The following series of tables presents our revenue disaggregated by these categories.", "5af085c8-ad9e-427b-b2c0-6ddca482df2d": "The amendments are to be applied\nretrospectively, and early adoption is permitted. The Company is currently assessing the impact of this update and does not expect this update to have a material impact\non its present or historical consolidated financial statements.\nOther recent accounting pronouncements issued during fiscal 2024 and through the filing date are not expected to have a material impact on the Company's present\nor historical consolidated financial statements.\n3. \nRevenue\nDisaggregation of Revenue\nWe disaggregate our revenue from contracts with customers by contract type and by customer type, as well as by whether the Company acts as prime contractor or\nsub-contractor, as we believe these categories best depict how the nature, amount, timing and uncertainty of our revenue and cash flows are affected by economic\nfactors. The following series of tables presents our revenue disaggregated by these categories.\nRevenue by Contract Type:\n \nFiscal Year Ended March 31,\n \n2024\n2023\n2022\nCost-reimbursable\n$\n5,873,045\n \n55\n%\n$\n4,908,451\n \n53\n%\n$\n4,514,262\n \n54\n%\nTime-and-materials\n2,530,366\n \n24\n%\n2,296,965\n \n25\n%\n2,017,094\n \n24\n%\nFixed-price\n2,258,485\n \n21\n%\n2,053,495\n \n22\n%\n1,832,344\n \n22\n%\nTotal Revenue\n$\n10,661,896\n \n100\n%\n$\n9,258,911\n \n100\n%\n$\n8,363,700\n \n100\n%\nF-17", "ab7947a1-ba8e-4969-83dc-61cd9f20e7a6": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nRevenue by Customer Type:\nFiscal Year Ended March 31,\n2024\n2023\n2022\nU.S. government\n:\nDefense Clients\n$\n5,055,779\n \n47\n%\n$\n4,228,110\n \n45\n%\n$\n3,965,590\n \n47\n%\nIntelligence Clients\n1,774,405\n \n17\n%\n1,686,622\n \n18\n%\n1,573,216\n \n19\n%\nCivil Clients\n3,658,465\n \n34\n%\n3,112,537\n \n34\n%\n2,608,618\n \n31\n%\nTotal U.S. government\n10,488,649\n \n98\n%\n9,027,269\n \n97\n%\n8,147,424\n \n97\n%\nGlobal Commercial Clients\n173,247\n \n2\n%\n231,642\n \n3\n%\n216,276\n \n3\n%\nTotal Revenue\n$\n10,661,896\n \n100\n%\n$\n9,258,911\n \n100\n%\n$\n8,363,700\n \n100\n%\nCertain contracts were reassigned between the various verticals of our U.S. government business shown in the table above to better align our operations to the customers we\nserve within each market. Comparative periods revenue by customer type has been recast to reflect the changes.\n \nRevenue by Whether the Company Acts as a Prime Contractor or a\nSub-Contractor:\nFiscal Year Ended March 31,\n2024\n2023\n2022\nPrime Contractor\n$\n10,143,192\n \n95\n%\n$\n8,755,628\n \n95\n%\n$\n7,864,273\n \n94\n%\nSub-contractor\n518,704\n \n5\n%\n503,283\n \n5\n%\n499,427\n \n6\n%\nTotal Revenue\n$\n10,661,896\n \n100\n%\n$\n9,258,911\n \n100\n%\n$\n8,363,700\n \n100\n%\nPerformance Obligations\nAs of March 31, 2024 and 2023, the Company had $\n8.7\n billion and $\n7.9\n billion of remaining performance obligations, respectively. We expect to recognize\napproximately \n70\n% of the remaining performance obligations as of March 31, 2024 as revenue over the next \n12\n months, and approximately \n80\n% over the next \n24\n months.\nThe remainder is expected to be recognized thereafter.\nContract Balances\nThe following table summarizes the contract assets and liabilities, and accounts receivable, net of allowance recognized on the Company\u2019s consolidated balance\nsheets:\nMarch 31,\n2024\n2023\nCurrent assets:\nAccounts receivable\u2013billed\n$\n700,066\n \n$\n551,666\n \nAccounts receivable\u2013unbilled (contract assets)\n1,347,577\n \n1,223,482\n \nAllowance for credit losses\n(\n301\n)\n(\n318\n)\nAccounts receivable, net\n2,047,342\n \n1,774,830\n \nOther long-term assets:\nAccounts receivable\u2013unbilled (contract assets)\n57,355\n \n59,455\n \nTotal accounts receivable, net\n$\n2,104,697\n \n$\n1,834,285\n \nOther current liabilities\nAdvance payments, billings in excess of costs incurred and deferred revenue (contract liabilities)\n$\n15,527\n \n$\n18,995\n \nFor fiscal 2024, 2023 and 2022, we recognized revenue of $\n17.2\n million, $\n24.4\n million and $\n14.9\n million, respectively, related to our contract liabilities on April 1, 2023,\n2022 and 2021, respectively.\nBenefit for credit losses recognized were $(\n0.3\n) million, $(\n2.0\n) million, and $(\n1.5\n) million for fiscal 2024, 2023, and 2022, respectively.\n4. \nEarnings Per Share\nThe Company computes basic and diluted earnings per share amounts based on net income attributable to common stockholders for the periods presented. The\nCompany uses the weighted average number of shares of common stock outstanding during the period to calculate basic earnings per share (\u201cEPS\u201d). Diluted EPS adjusts\nthe weighted average number of shares outstanding to include the dilutive effect of outstanding common stock options and other stock-based awards.\n(1)\n(1) \nF-18", "6832ae25-2bef-4b80-aa37-2478a4ae083d": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nThe Company currently has outstanding shares of Class A Common Stock. Holders of unvested Class A Restricted Common Stock are entitled to participate in non-\nforfeitable dividends or other distributions (\u201cparticipating securities\u201d). These unvested restricted shares participated in the Company's dividends declared and paid in\neach quarter of fiscal 2024, 2023, and 2022. As such, EPS is calculated using the two-class method whereby earnings are reduced by distributed earnings as well as any\navailable undistributed earnings allocable to holders of these unvested restricted shares. \nA reconciliation of the income used to compute basic and diluted EPS for the\nperiods presented are as follows:\n \n \nFiscal Year Ended\n March 31,\n \n2024\n2023\n2022\nNumerator: \nEarnings for basic computations\n$\n600,740\n \n$\n269,656\n \n$\n463,626\n \nEarnings for diluted computations\n$\n600,750\n \n$\n269,657\n \n$\n463,635\n \nDenominator:\nWeighted-average common stock shares outstanding, basic\n130,366,501\n132,161,646\n134,134,034\nDilutive stock options and restricted stock\n449,402\n \n554,790\n716,774\nWeighted-average common stock shares outstanding, diluted\n130,815,903\n \n132,716,436\n134,850,808\nEarnings per share of common share:\nBasic\n$\n4.61\n \n$\n2.04\n \n$\n3.46\n \nDiluted \n$\n4.59\n \n$\n2.03\n \n$\n3.44\n \nThe difference between earnings for basic and diluted computations and net income presented on the consolidated statements of operations is due to\nundistributed earnings and dividends allocated to the participating securities.\nDuring fiscal 2024, 2023, and 2022, respectively, approximately \n1.1\n million, \n1.1\nmillion, and \n0.9\n million shares of participating securities were paid dividends totaling $\n2.1\n million, $\n1.8\n million, and $\n1.4\n million, respectively. There were\nundistributed earnings of $\n2.9\n million, $\n0.3\n million, and $\n1.7\n million allocated to the participating class of securities in both basic and diluted earnings per share of\ncommon stock for fiscal 2024, 2023, and 2022, respectively.\n The impact of anti-dilutive options excluded from the calculation of diluted EPS was not material during the periods presented.\n5. \nAcquisition and Divestitures\nAcquisition\nOn October 14, 2022, the Company completed the acquisition of EverWatch Corp. (\u201cEverWatch\u201d), a leading provider of advanced solutions to the defense and\nintelligence communities for approximately $\n445.1\n million, net of post-closing adjustments and also incurred transaction costs as part of the acquisition. The acquisition\nwas funded with cash on hand. As a result of the transaction, EverWatch became a wholly owned subsidiary of Booz Allen Hamilton Inc.\nThe Company recognized $\n108.6\n million of intangible assets which consists primarily of contract assets and were valued using the excess earnings method\ndiscounted cash flow approach, incorporating Level 3 inputs as described under the fair value hierarchy of Topic 820. These unobservable inputs reflect the Company's\nown judgment about which assumptions market participants would use in pricing an asset on a non-recurring basis. The intangible assets will be amortized over the\nestimated useful life of \nfourteen years\n. The goodwill of $\n330.9\n million is primarily attributable to EverWatch's specialized workforce and the expected synergies between\nthe Company and EverWatch, and is non-deductible for tax purposes.\n(1)\n (2)\n(2)\n(1) \n \n(2)\nF-19", "bf8d1339-7a00-4f93-8b2e-bb68b28b6d22": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nThe following table summarizes the consideration and the allocation of the purchase price paid for EverWatch:\nCash consideration (gross of cash acquired)\n$\n445,074\n \nPurchase price allocation:\nCash\n4,779\n \nCurrent assets\n27,725\n \nOperating lease right-of-use asset\n7,894\n \nOther long-term assets\n5,078\n \nIntangible assets\n108,600\n \nDeferred tax liabilities\n(\n20,394\n)\nCurrent liabilities\n(\n11,612\n)\nOperating lease liabilities - short-term\n(\n1,362\n)\nOperating lease liabilities - long-term\n(\n6,532\n)\nTotal fair value of identifiable net assets acquired\n$\n114,176\n \nGoodwill\n$\n330,898\n \nThe acquisition was accounted for under the acquisition method of accounting, which requires the total acquisition consideration to be allocated to the assets\nacquired and liabilities assumed based on an estimate of the acquisition date fair value, with the difference reflected in goodwill. During the first quarter of fiscal 2024, the\nCompany completed the\ndetermination of fair values of the acquired assets and liabilities assumed. See note 6, \u201cGoodwill and Intangible Assets,\u201d for additional information.\n \nPro forma results of\noperations for this acquisition are not presented because the acquisition is not material to the Company's consolidated results of operations.\nDivestitures\nMiddle East and North Africa Management Consulting Business\nOn September 1, 2022, the Company completed the divestiture of its management consulting business serving the Middle East and North Africa (\u201cMENA\u201d) region\nto Oliver Wyman, a global management consulting firm and a business of Marsh McLennan. The divestiture was substantially comprised of the contracts associated with\nthe MENA business, the assets and liabilities associated with those contracts, and the workforce that provides services under those contracts.\nAs a result of this transaction, the Company de-recognized the assets and liabilities associated with the MENA business and recognized a pre-tax gain of\n$\n31.2\n million in the second quarter of fiscal 2023, which is reflected in other income, net, on the consolidated statement of operations.\nManaged Threat Services Business\nOn December 5, 2022, the Company completed the divestiture of its commercial Managed Threat Services (\u201cMTS\u201d) business to Security On-Demand. The\ndivestiture was substantially comprised of the contracts associated with the MTS business, the assets and liabilities associated with those contracts, and the workforce\nthat provides services under those contracts.\nAs a result of this transaction, the Company de-recognized the assets and liabilities associated with the MTS business and recognized a pre-tax gain of $\n4.6\n million\nduring the third quarter of fiscal 2023, which is reflected in other income, net, on the consolidated statement of operations.\nF-20", "c17d74b1-bb32-415e-9399-c2edc1bde471": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nBusiness Deconsolidation\nIn fiscal 2023, the Company forfeited certain participating rights of a consolidated artificial intelligence software platform business which has unrelated third-party\ninterest holders and is classified as a variable interest entity (\u201cVIE\u201d). As a result of this transaction, the Company determined that it is not the primary beneficiary of the\nVIE and thus de-recognized the assets, liabilities and non-controlling interest of this business. The Company recorded the fair value of its retained equity investment of\n$\n7.6\n million which was accounted for under the measurement alternative. The resulting pre-tax gain, calculated as the investment value less the net de-recognized\nbalances, was $\n8.9\n million and was reflected in other income, net, on the fiscal 2023 consolidated statement of operations. In the last quarter of fiscal 2024, it was\ndetermined that the investment was impaired and it was written off, with the resulting pre-tax loss of $\n7.6\n million reflected in other income, net, on the fiscal 2024\nconsolidated statement of operations.\n6. \nGoodwill and Intangible Assets\nGoodwill\nGoodwill was $\n2,343.8\n million and $\n2,338.4\n million as of March 31, 2024 and March 31, 2023, respectively. The $\n5.4\n million increase in the carrying amount of goodwill\nwas attributable to the Company's finalization of the accounting for the acquisition of EverWatch. The Company performed an annual impairment test of the goodwill as\nof January 1, 2024 and 2023, and did \nno\nt identify any impairment.\nIntangible Assets\nIntangible assets consisted of the following:\nMarch 31, 2024\nMarch 31, 2023\nGross\nCarrying\nValue\nAccumulated\nAmortization\nNet Carrying\nValue\nGross\nCarrying\nValue\nAccumulated\nAmortization\nNet Carrying\nValue\nAmortizable intangible assets:\nPrograms and contract assets, channel\nrelationships, and other amortizable\nintangible assets\n$\n591,895\n \n$\n237,764\n \n$\n354,131\n \n$\n599,794\n \n$\n169,316\n \n$\n430,478\n \nSoftware\n146,284\n \n89,572\n \n56,712\n \n134,152\n \n69,215\n \n64,937\n \nTotal amortizable intangible assets\n$\n738,179\n \n$\n327,336\n \n$\n410,843\n \n$\n733,946\n \n$\n238,531\n \n$\n495,415\n \nUnamortizable intangible assets:\nTrade name\n$\n190,200\n \n$\n\u2014 \n$\n190,200\n \n$\n190,200\n \n$\n\u2014 \n$\n190,200\n \nTotal\n$\n928,379\n \n$\n327,336\n \n$\n601,043\n \n$\n924,146\n \n$\n238,531\n \n$\n685,615\n \nThe decrease in the gross carrying value of amortizable intangible assets (excluding software) was primarily attributable to a $\n7.9\n million adjustment related to the\nCompany's finalization of the accounting for the acquisition of EverWatch in the first quarter of fiscal 2024.\nPrograms and contract assets, channel relationships, and other amortizable intangible assets are generally amortized on an accelerated basis over periods ranging\nfrom \ntwo\n to \nfourteen years\n, and those related to software are generally amortized on a straight line basis over periods ranging from \none\n to \nten years\n.\nThe Company performed an annual impairment test of the trade name as of January 1, 2024 and 2023, and did \nno\nt identify any impairment.\nAmortization expense for fiscal 2024, 2023, and 2022 was $\n93.3\n million, $\n94.3\n million, and $\n76.2\n million, respectively.\nF-21", "be8e7a92-629a-45c7-9674-ca0101ed353f": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nThe following table summarizes the estimated annual amortization expense for future periods, which does not reflect amortization expense for certain intangible\nassets that are not yet placed in service:\nFor the Fiscal Year Ended March 31,\n2025\n$\n82,085\n \n2026\n70,883\n \n2027\n58,885\n \n2028\n50,833\n \n2029\n43,315\n \nThereafter\n104,842\n \nTotal estimated amortization expense\n$\n410,843\n \n7. \nProperty and Equipment, Net\nThe components of property and equipment, net were as follows:\n \nMarch 31,\n \n2024\n2023\nFurniture and equipment\n$\n121,544\n \n$\n119,316\n \nComputer equipment\n107,902\n \n111,538\n \nLeasehold improvements\n269,964\n \n258,258\n \nTotal\n499,410\n \n489,112\n \nLess: Accumulated depreciation and amortization\n(\n311,131\n)\n(\n293,926\n)\nProperty and equipment, net\n$\n188,279\n \n$\n195,186\n \nDepreciation and amortization expense relating to property and equipment for fiscal 2024, 2023, and 2022 was $\n70.9\n million, $\n71.2\n million, and $\n69.5\n million,\nrespectively. During fiscal 2024 and 2023, the Company reduced the gross cost and accumulated depreciation and amortization by \n$\n36.3\n million\n and $\n24.7\n million,\nrespectively, for zero net book value assets deemed no longer in service.\n8. \nAccounts Payable and Other Accrued Expenses\nAccounts payable and other accrued expenses consisted of the following:\n \n \nMarch 31,\n \n2024\n2023\nVendor payables\n$\n653,131\n \n$\n597,808\n \nAccrued expenses\n397,539\n \n718,832\n \nTotal accounts payable and other accrued expenses\n$\n1,050,670\n \n$\n1,316,640\n \nAccrued expenses consisted primarily of the Company\u2019s provision for claimed indirect costs, (approximately $\n363.7\n million and $\n326.7\n million as of March 31, 2024\nand 2023, respectively). Accrued expenses at March 31, 2023 also included a $\n350.0\n million reserve associated with the settlement of the U.S. Department of Justice's\ninvestigation of the Company which was subsequently settled and paid in the second quarter of fiscal 2024. Refer to Note 20, \u201cCommitments and Contingencies,\u201d to the\nconsolidated financial statements for further discussion of these items.\n9. \nAccrued Compensation and Benefits\nAccrued compensation and benefits consisted of the following:\n \nMarch 31,\n2024\n2023\nBonus\n$\n151,063\n \n$\n120,023\n \nRetirement\n57,465\n \n52,480\n \nVacation\n223,385\n \n203,627\n \nOther\n74,217\n \n69,075\n \nTotal accrued compensation and benefits\n$\n506,130\n \n$\n445,205\n \nF-22", "8f62070e-8c76-4f9a-99ae-051be9ca8af4": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\n10. \nDebt\nDebt consisted of the following on the dates below:\n \nMarch 31, 2024\nMarch 31, 2023\n \n \nInterest\nRate\nOutstanding\nBalance\nInterest\nRate\nOutstanding\nBalance\nTerm Loan A\n6.677\n \n%\n$\n1,588,125\n \n5.970\n \n%\n$\n1,629,375\n \nSenior Notes due 2028\n3.875\n \n%\n700,000\n \n3.875\n \n%\n700,000\n \nSenior Notes due 2029\n4.000\n \n%\n500,000\n \n4.000\n \n%\n500,000\n \nSenior Notes due 2033\n5.950\n \n%\n650,000\n \n\u2014\n \n%\n\u2014\n \nLess: Unamortized debt issuance costs and discount on debt\n(\n26,309\n)\n(\n17,230\n)\nTotal\n3,411,816\n \n2,812,145\n \nLess: Current portion of long-term debt\n(\n61,875\n)\n(\n41,250\n)\nLong-term debt, net of current portion\n$\n3,349,941\n \n$\n2,770,895\n \nCredit Agreement\nBooz Allen Hamilton Inc. (\u201cBooz Allen Hamilton\u201d), Booz Allen Hamilton Investor Corporation (\u201cInvestor\u201d), and certain wholly owned subsidiaries of Booz Allen\nHamilton are parties to a Credit Agreement dated as of July 31, 2012, as amended (the \u201cCredit Agreement\u201d), with certain institutional lenders and Bank of America, N.A.,\nas Administrative Agent, Collateral Agent and Issuing Lender. As of March 31, 2024, the Credit Agreement provided Booz Allen Hamilton with a $\n1,588.1\n million Term\nLoan A (\u201cTerm Loan A\u201d) and a $\n1.0\n billion revolving credit facility (the \u201cRevolving Credit Facility\u201d), with a sub-limit for letters of credit of $\n200.0\n million. As of March 31,\n2024, the maturity date of the Term Loan A and the Revolving Commitments is September 7, 2027. Voluntary prepayments of the Term Loan A and the Revolving Loans\nare permitted at any time, in minimum principal amounts, without premium or penalty. Booz Allen Hamilton\u2019s obligations and the guarantors\u2019 guarantees under the Credit\nAgreement were secured by a first priority lien on substantially all of the assets (including capital stock of subsidiaries) of Booz Allen Hamilton, Investor and the\nsubsidiary guarantors, subject to certain exceptions set forth in the Credit Agreement and related documentation; such security was released in connection with Booz\nAllen Hamilton obtaining investment grade ratings from both Moody's and S&P. On September 7, 2022 (the \u201cNinth Amendment Effective Date\u201d), the previously\noutstanding Term Loan B loans under the Credit Agreement were prepaid in full.\nOn July 27, 2023 (the \u201cTenth Amendment Effective Date\u201d), Booz Allen Hamilton entered into a Tenth Amendment (the \u201cAmendment\u201d) to the Credit Agreement (as\namended prior to the Tenth Amendment Effective Date, the \u201cExisting Credit Agreement\u201d and, as amended by the Amendment, the \u201cAmended Credit Agreement\u201d) with\nBank of America, N.A., as administrative agent (in such capacity, the \u201cAdministrative Agent\u201d), and the lenders and other financial institutions party thereto, in order to\nmake permanent certain changes to the Existing Credit Agreement in connection with Booz Allen Hamilton obtaining investment grade ratings from both Moody's and\nS&P and prepaying the Term Loan B loans in full and to make certain additional changes in connection therewith, including, among other things, (i) removing the\nrequirements for the obligations under the Amended Credit Agreement to be secured, (ii) removing the requirement for any subsidiary or other affiliate of Booz Allen\nHamilton (other than the Company) to provide any guarantee of the obligations under the Amended Credit Agreement, and (iii) removing or modifying certain covenants\napplicable to Booz Allen Hamilton. Pursuant to the Amendment, all guarantees in respect of the Existing Credit Agreement have been released. The Amendment did not\nimpact any of the terms of the Credit Agreement related to amortization or payments.", "e0124334-9060-4d62-a1f4-cb9b4db56b56": "Pursuant to the Amendment, all guarantees in respect of the Existing Credit Agreement have been released. The Amendment did not\nimpact any of the terms of the Credit Agreement related to amortization or payments.\nOn the Tenth Amendment Effective Date in connection with the Amendment, the Company entered into a Guarantee Agreement (the \u201cGuarantee Agreement\u201d) in\nfavor of the Administrative Agent, pursuant to which the Company guarantees on an unsecured basis the obligations of Booz Allen Hamilton under the Amended Credit\nAgreement subject to certain conditions. Pursuant to the Amended Credit Agreement Booz Allen Hamilton has the option, though not any obligation, to join one or more\nof its domestic subsidiaries as a guarantor under the Guarantee Agreement.\nTerm Loan A amortizes in consecutive quarterly installments in an amount equal to (i) on the last business day of each full fiscal quarter that begins after the Ninth\nAmendment Effective Date but on or before the two year anniversary of the Ninth Amendment Effective Date, \n0.625\n% of the stated principal amount of Term Loan A and\n(ii) on the last business day of each full fiscal quarter that begins after the two year anniversary of the Ninth Amendment Effective Date but before the five year\nanniversary of the Ninth Amendment Effective Date, \n1.25\n% of the stated principal amount of Term Loan A. The remaining balance of Term Loan A will be payable upon\nmaturity.\nF-23", "754221df-523c-4c4a-b026-5f45b6b44333": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nThe rate at which Term Loan A and the Revolving Loans bear interest will be based either on Term SOFR (subject to a \n0.10\n% adjustment and a floor of \nzero\n) for the\napplicable interest period or a base rate (equal to the highest of (i) the administrative agent\u2019s prime corporate rate, (ii) the overnight federal funds rate plus \n0.50\n% and (iii)\nthree-month Term SOFR (subject to a \n0.10\n% adjustment and a floor of \nzero\n) plus \n1.00\n%), in each case plus an applicable margin, payable at the end of the applicable\ninterest period and in any event at least quarterly. The applicable margin for Term Loan A and the Revolving Loans ranges from \n1.00\n% to \n2.00\n% for Term SOFR loans and\nzero\n to \n1.00\n% for base rate loans, in each case based on the lower of (i) the applicable rate per annum determined pursuant to a consolidated total net leverage ratio grid\nand (ii) the applicable rate per annum determined pursuant to a ratings grid. Unused New Revolving Commitments are subject to a quarterly fee ranging from \n0.10\n% to\n0.35\n% based on the lower of (i) the applicable fee rate per annum determined pursuant to a consolidated total net leverage ratio grid and (ii) the applicable fee rate per\nannum determined pursuant to a ratings grid. Booz Allen Hamilton has also agreed to pay customary letter of credit and agency fees.\nThe Company occasionally borrows under the Revolving Credit Facility for our working capital needs. During fiscal 2024, the Company borrowed $\n500.0\n million on\nits Revolving Credit Facility for working capital needs, which was subsequently repaid as of March 31, 2024. As of March 31, 2024 and March 31, 2023, respectively, there\nwas \nno\n outstanding balance on the Revolving Credit Facility.\nBorrowings under Term Loan A, and if used, the Revolving Credit Facility, incur interest at a variable rate. As of March 31, 2024, Booz Allen Hamilton had interest\nrate swaps with an aggregate notional amount of $\n550.0\n million. These instruments hedge the variability of cash outflows for interest payments on Term Loan A and the\nRevolving Credit Facility. The Company's objectives in using cash flow hedges are to reduce volatility due to interest rate movements and to add stability to interest\nexpense (see Note 11, \u201cDerivatives,\u201d to the consolidated financial statements).\nThe following table summarizes interest payments made on the Company\n\u2019\ns term loans:\n \nThree Months Ended\nMarch 31,\nFiscal Year Ended\nMarch 31,\n \n2024\n2023\n2024\n2023\nTerm Loan A\n27,027\n \n24,233\n \n107,286\n \n63,244\n \nTerm Loan B\n\u2014\n \n\u2014\n \n\u2014\n \n5,209\n \nTotal\n$\n27,027\n \n$\n24,233\n \n$\n107,286\n \n$\n68,453\n \nThe Credit Agreement contains customary representations and warranties and customary affirmative and negative covenants. In connection with Booz Allen\nHamilton obtaining investment grade ratings from both Moody's and S&P, certain activities previously restricted by certain negative covenants are permitted subject to\npro forma compliance with the financial covenants and no events of default having occurred or are continuing. In addition, Booz Allen Hamilton is required to meet\ncertain financial covenants at each quarter end, namely Consolidated Net Total Leverage and Consolidated Net Interest Coverage Ratios. As of March 31, 2024 and\nMarch 31, 2023, Booz Allen Hamilton was in compliance with all financial covenants associated with its debt and debt-like instruments.\nSenior Notes\nOn August 4, 2023, Booz Allen Hamilton issued $\n650.0\n million aggregate principal amount of its \n5.950\n% Senior Notes due August 4, 2033 (the \u201cSenior Notes due\n2033\u201d) under an Indenture and First Supplemental Indenture, both dated as of August 4, 2023 (the \u201cIndenture\u201d), among Booz Allen Hamilton, Booz Allen Hamilton\nHolding Corporation, as parent guarantor, and U.S. Bank Trust Company, National Association, as trustee.", "5fdc4552-7297-448b-8df8-b15981b72efa": "As of March 31, 2024 and\nMarch 31, 2023, Booz Allen Hamilton was in compliance with all financial covenants associated with its debt and debt-like instruments.\nSenior Notes\nOn August 4, 2023, Booz Allen Hamilton issued $\n650.0\n million aggregate principal amount of its \n5.950\n% Senior Notes due August 4, 2033 (the \u201cSenior Notes due\n2033\u201d) under an Indenture and First Supplemental Indenture, both dated as of August 4, 2023 (the \u201cIndenture\u201d), among Booz Allen Hamilton, Booz Allen Hamilton\nHolding Corporation, as parent guarantor, and U.S. Bank Trust Company, National Association, as trustee. The Senior Notes due 2033 are unsecured senior indebtedness\nof Booz Allen Hamilton and are fully and unconditionally guaranteed on an unsecured and unsubordinated basis by Booz Allen Hamilton Holding Corporation, and rank\nequally and ratably in right of payment with all of Booz Allen Hamilton\u2019s and Booz Allen Hamilton Holding Corporation\u2019s other unsecured and unsubordinated\nindebtedness outstanding from time to time, pursuant to the Indenture.\nOn June 17, 2021, Booz Allen Hamilton issued $\n500.0\n million aggregate principal amount of its \n4.000\n% Senior Notes due July 1, 2029 (the \u201cSenior Notes due 2029\u201d)\nunder an Indenture and First Supplemental Indenture, both dated as of June 17, 2021, among Booz Allen Hamilton, certain subsidiaries of Booz Allen Hamilton, as\nguarantors (the \u201c2029 Subsidiary Guarantors\u201d), and Wilmington Trust, National Association, as trustee. The Senior Notes due 2029 are Booz Allen Hamilton\u2019s senior\nunsecured obligations and rank equally in right of payment with all of Booz Allen Hamilton\u2019s and the 2029 Subsidiary Guarantors\u2019 existing and future senior indebtedness\nand rank senior in right of payment to any of Booz Allen Hamilton\u2019s future subordinated indebtedness. The net proceeds from the sale of the Senior Notes due 2029 were\nused to fund the acquisition of Liberty and to pay related fees and expenses.\nF-24", "7b4d41a6-8e6d-4fb9-8788-a87a2b52a467": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nOn August 24, 2020, Booz Allen Hamilton issued $\n700.0\n million aggregate principal amount of its \n3.875\n% Senior Notes due September 1, 2028 (the \u201cSenior Notes due\n2028\u201d, and, together with the Senior Notes due 2029 and Senior Notes due 2033, the \u201cSenior Notes\u201d) under an Indenture and First Supplemental Indenture, both dated as\nof August 24, 2020, among Booz Allen Hamilton, certain subsidiaries of Booz Allen Hamilton, as guarantors (the \u201c2028 Subsidiary Guarantors\u201d), and Wilmington Trust,\nNational Association, as trustee. The Senior Notes due 2028 are Booz Allen Hamilton\u2019s senior unsecured obligations and rank equally in right of payment with all of Booz\nAllen Hamilton\u2019s and the 2028 Subsidiary Guarantors\u2019 existing and future senior indebtedness and rank senior in right of payment to any of Booz Allen Hamilton\u2019s future\nsubordinated indebtedness.\nThe following table summarizes the material terms of the Company\u2019s Senior Notes as of March 31, 2024:\nIndenture\nDate\nPrincipal\nInterest\nRate\nMaturity\nDate\nInterest Payable\nIssuance Costs\nSenior Notes\ndue 2033\n8/4/2023\n$\n650.0\n million\n5.950\n%\n8/4/2033\nFebruary and\nAugust 4\n$\n12.4\n \n million\nSenior Notes\ndue 2029\n6/17/2021\n$\n500.0\n million\n4.000\n%\n7/1/2029\nJuly and January 1\n$\n6.5\n \n million\nSenior Notes\ndue 2028\n8/24/2020\n$\n700.0\n million\n3.875\n%\n9/1/2028\nMarch and\nSeptember 1\n$\n9.2\n \n million\nInterest is payable semi-annually in cash in arrears, with the principal due at maturity. Issuance Costs were recorded as an offset against the carrying value of\nrespective debt and are being amortized to interest expense over the term of the respective debt.\nAll the Senior Notes\u2019 Indentures contain certain covenants, events of default, and other customary provisions. In connection with the Senior Notes obtaining\ninvestment grade ratings from Moody\u2019s and S&P, in January 2023, certain negative covenants in the indentures governing the Senior Notes 2028 and Senior Notes 2029\nwere suspended, and the related guarantees were released.\nSenior Notes Redemption Options\nBooz Allen Hamilton may redeem some or all of the Senior Notes due 2033 prior to May 4, 2033 at its option, in whole or in part, at any time and from time to time, at\na redemption price (expressed as a percentage of principal amount and rounded to three decimal places) equal to the greater of: (1) (a) the sum of the present values of the\nremaining scheduled payments of principal and interest thereon discounted to the redemption date (assuming the Senior Notes 2033 matured on May 4, 2033) on a semi-\nannual basis (assuming a 360-day year consisting of twelve 30-day months) at the Treasury Rate (as defined in the Supplemental Indenture) plus \n35\n basis points less (b)\ninterest accrued to, but excluding, the redemption date, and (2) \n100.00\n% of the principal amount of the Senior Notes 2033 to be redeemed, plus, in either case, accrued and\nunpaid interest on the principal amount being redeemed to, but excluding, the redemption date. On or after May 4, 2033, Booz Allen Hamilton may redeem the Senior\nNotes 2033, in whole or in part, at any time and from time to time, at a redemption price equal to \n100.00\n% of the principal amount of the Senior Notes 2033 being redeemed\nplus accrued and unpaid interest on the principal amount being redeemed, but excluding, to the redemption date.", "c853f08c-b395-424f-af8a-1d5c62db696d": "On or after May 4, 2033, Booz Allen Hamilton may redeem the Senior\nNotes 2033, in whole or in part, at any time and from time to time, at a redemption price equal to \n100.00\n% of the principal amount of the Senior Notes 2033 being redeemed\nplus accrued and unpaid interest on the principal amount being redeemed, but excluding, to the redemption date.\nBooz Allen Hamilton may redeem some or all of the Senior Notes due 2029 at any time prior to July 1, 2024, at a price equal to \n100.00\n% of the principal amount of the\nSenior Notes due 2029 redeemed, plus accrued and unpaid interest, if any, to (but not including) the redemption date, plus an applicable \u201cmake-whole premium.\u201d Booz\nAllen Hamilton may redeem the Senior Notes due 2029 at its option, in whole at any time or in part from time to time, upon certain required notice, (i) on and after July 1,\n2024, at a price equal to \n102.00\n% of the principal amount of the Senior Notes due 2029 redeemed, (ii) on or after July 1, 2025, at a price equal to \n101.00\n% of the principal\namount of the Senior Notes due 2029 redeemed, and (iii) on July 1, 2026 and thereafter, at a price equal to \n100.00\n% of the principal amount of the Senior Notes due 2029\nredeemed, in each case, plus accrued and unpaid interest, if any, to (but not including) the applicable redemption date. In addition, at any time on or prior to July 1, 2024,\nBooz Allen Hamilton may redeem up to \n40.00\n% of the original aggregate principal amount of the Senior Notes due 2029 with an amount equal to the net cash proceeds of\ncertain equity offerings at a redemption price equal to \n104.00\n% of the principal amount of the Senior Notes due 2029, plus accrued and unpaid interest, if any, to (but not\nincluding) the redemption date, provided that at least \n50.00\n% of the original aggregate principal amount of the Senior Notes due 2029 remains outstanding after each such\nredemption; and provided, further, that such redemption occurs within \n180\n days after the date on which any such equity offering is consummated.\nBooz Allen Hamilton has the ability to redeem the Senior Notes due 2028 at its option, in whole at any time or in part from time to time, upon certain required notice,\n(i) on and after September 1, 2023, at a price equal to \n101.938\n% of the principal amount of the Senior Notes due 2028 redeemed, (ii) on or after September 1, 2024, at a price\nequal to \n100.969\n% of the principal amount of the Senior Notes due 2028 redeemed, and (iii) on September 1, 2025 and thereafter, at a price equal to \n100.00\n% of the principal\namount of the Senior Notes due 2028 redeemed, in each case, plus accrued and unpaid interest, if any, to (but not including) the applicable redemption date.\nF-25", "b569db9e-787d-4627-bc11-ec6962c8e4c1": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nScheduled Maturities and Interest Expense\nThe following table summarizes required future debt repayments:\n \nPayments Due By March 31,\nTotal\n2025\n2026\n2027\n2028\n2029\nThereafter\nTerm Loan A\n$\n1,588,125\n \n$\n61,875\n \n$\n82,500\n \n$\n82,500\n \n$\n1,361,250\n \n$\n\u2014\n \n$\n\u2014\n \nSenior Notes due 2028\n700,000\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n700,000\n \n\u2014\n \nSenior Notes due 2029\n500,000\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n500,000\n \nSenior Notes due 2033\n650,000\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n\u2014\n \n650,000\n \nInterest on indebtedness\n942,804\n \n192,101\n \n187,040\n \n181,454\n \n125,934\n \n72,237\n \n184,038\n \nTotal\n$\n4,380,929\n \n$\n253,976\n \n$\n269,540\n \n$\n263,954\n \n$\n1,487,184\n \n$\n772,237\n \n$\n1,334,038\n \nInterest expense on debt and debt-like instruments consisted of the following:\nFiscal Year Ended March 31,\n2024\n2023\n2022\nTerm Loan A\n$\n107,891\n \n$\n63,463\n \n$\n19,570\n \nTerm Loan B\n\u2014\n \n5,186\n \n7,207\n \nRevolving Credit Facility\n1,438\n \n\u2014\n \n25\n \nSenior Notes\n72,693\n \n47,125\n \n42,902\n \nAmortization of Debt Issuance Cost (DIC) and Original Issue Discount (OID) \n4,920\n \n4,350\n \n4,619\n \nInterest Rate Swaps\n(\n14,932\n)\n(\n1,237\n)\n17,535\n \nOther\n891\n \n963\n \n494\n \nTotal Interest Expense\n$\n172,901\n \n$\n119,850\n \n$\n92,352\n \n DIC and OID on the Term Loans and Senior Notes are recorded as a reduction of long-term debt in the consolidated balance sheet and are amortized ratably\nover the life of the related debt using the effective rate method. DIC on the Company's Revolving Credit Facility is recorded as a long-term asset on the\nconsolidated balance sheet and amortized ratably over the term of the Revolving Credit Facility.\n11. \nDerivatives\nThe Company utilizes derivative financial instruments to manage interest rate risk related to its variable rate debt. The Company\u2019s objectives in using these interest\nrate derivatives, which were designated as cash flow hedges, are to manage its exposure to interest rate movements and reduce volatility of interest expense.\nThe following table summarizes the material terms of the Company\u2019s outstanding interest rate swap derivative contracts as of March 31, 2024:\nEffective Date\nMaturity Date\nTerms\nNotional Amount\nApril 28, 2023\nJune 30, 2024\nVariable to Fixed\n$\n200,000\n \nApril 28, 2023\nJune 30, 2025\nVariable to Fixed\n200,000\n \nJune 30, 2023\nJune 30, 2026\nVariable to Fixed\n150,000\n \nTotal\n$\n550,000\n \nSwap agreement was originally effective on April 30, 2019 and were amended during the first quarter of fiscal 2024 to transition from LIBOR-indexed to Term\nSOFR-indexed periodic swap payments to align with interest payments in connection with its Term SOFR-indexed debt. See Note 2, \u201cSummary of Significant\nAccounting Policies,\u201d to the consolidated financial statements for further information on the transition.\nThe floating-to-fixed interest rate swaps involve the exchange of variable interest amounts from a counterparty for the Company making fixed-rate interest payments\nover the life of the agreements without exchange of the underlying notional amount and effectively converting a portion of the variable rate debt into fixed interest rate\ndebt.\n(1)\n(1)\n(1)\n(1)\n(1) \nF-26", "10c6ec67-3536-4fe9-9eea-ea9655d8fda1": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nDerivative instruments are recorded in the consolidated balance sheet on a gross basis at estimated fair value. As of March 31, 2024, $\n8.7\n million and $\n1.6\n million\nwere classified as other current assets and other long-term assets, respectively, on the consolidated balance sheet. As of March 31, 2023, $\n11.2\n million, $\n3.5\n million and\n$\n1.4\n million were classified as other current assets, other long term assets and other long-term liabilities, respectively, on the consolidated balance sheet. See Note 18,\n\u201cFair Value Measurements,\u201d to the consolidated financial statements for additional information on the fair values and location of our derivative instruments on the\nconsolidated balance sheet.\nFor interest rate swaps designated as cash flow hedges, the changes in the fair value of derivatives is recorded in Accumulated Other Comprehensive Income\n(\u201cAOCI\u201d), net of taxes, and is subsequently reclassified into interest expense, net in the period that the hedged forecasted interest payments are made on the Company's\nvariable-rate debt. See Note 15, \u201cAccumulated Other Comprehensive Income,\u201d and Note 10, \u201cDebt,\u201d to the consolidated financial statements for additional information on\nreclassifications from AOCI and interest payments related to the derivatives. \nThe effect of derivative instruments on the accompanying consolidated financial statements\nis as follows:\nDerivatives in Cash Flow Hedging\nRelationships\nLocation of Gain or Loss\nRecognized in Income on\nDerivatives\nAmount of Gain Recognized in AOCI on\nDerivatives\nAmount of Gain (Loss) Reclassified from\nAOCI into Income \nFiscal year ended March 31,\nFiscal year ended March 31,\n2024\n2023\n2022\n2024\n2023\n2022\nInterest rate swaps\nInterest expense\n$\n11,794\n \n$\n14,919\n \n$\n20,352\n \n$\n14,932\n \n$\n1,237\n \n$\n(\n17,535\n)\nThe reclassifications from accumulated other comprehensive gain (loss) to net income was reduced by taxes of $\n4.0\n million, $\n0.3\n million and $\n4.6\n million,\nrespectively, for fiscal 2024, 2023 and 2022.\nOver the next 12 months, the Company estimates that $\n8.7\n million will be reclassified as a decrease to interest expense. Cash flows associated with periodic\nsettlements of interest rate swaps will be classified as operating activities in the consolidated statement of cash flows.\nThe Company is subject to counterparty risk in connection with its interest rate swap derivative contracts. Credit risk related to a derivative financial instrument\nrepresents the possibility that the counterparty will not fulfill the terms of the contract. The Company mitigates this credit risk by entering into agreements with credit-\nworthy counterparties and regularly reviews its credit exposure and the creditworthiness of the counterparties.\n12. \nLeases\nThe Company's leases are generally for facilities and office space.\nThe Company\u2019s total lease cost is recorded primarily within general and administrative expenses on the consolidated statement of operations and consisted of the\nfollowing:\nFiscal Year Ended\n March 31,\n2024\n2023\n2022\nOperating lease cost\n$\n63,575\n \n$\n68,620\n \n$\n69,831\n \nShort-term lease cost\n1,211\n \n455\n \n585\n \nVariable lease cost\n12,911\n \n11,237\n \n11,641\n \nTotal operating lease costs\n$\n77,697\n \n$\n80,312\n \n$\n82,057\n \n(1)\n(1) \nF-27", "a5d38158-6f24-4427-bbe5-2d25269d919f": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nFuture minimum operating lease payments for noncancelable operating leases as of March 31, 2024 are as follows:\nFor the Fiscal Year Ending March 31,\nOperating Lease Payments\n2025\n$\n54,337\n \n2026\n61,710\n \n2027\n49,558\n \n2028\n41,357\n \n2029\n18,929\n \nThereafter\n29,948\n \nTotal future lease payments\n255,839\n \nLess: imputed interest\n(\n30,518\n)\nTotal lease liabilities\n$\n225,321\n \nSupplemental cash flow information related to leases was as follows:\nFiscal Year Ended\n March 31,\n2024\n2023\n2022\nCash paid for amounts included in the measurement of lease liabilities\n$\n75,633\n \n$\n66,529\n \n$\n76,100\n \nOperating lease liabilities arising from obtaining ROU assets \n$\n40,151\n \n$\n16,517\n \n$\n41,206\n \n Includes all noncash increases and decreases arising from new or remeasured operating lease arrangements\nOther information related to leases was as follows:\nMarch 31,\n2024\n2023\nWeighted average remaining lease term (in years)\n4.5\n4.6\nWeighted average discount rate\n4.9\n \n%\n4.7\n \n%\n13. \nIncome Taxes\nThe components of income tax expense were as follows:\n \n \nFiscal Year Ended March 31,\n \n2024\n2023\n2022\nCurrent\nU.S. Federal\n$\n229,234\n \n$\n354,569\n \n$\n232,844\n \nState and local\n116,751\n \n86,947\n \n26,333\n \nForeign\n2,635\n \n9,120\n \n8,486\n \nTotal current\n348,620\n \n450,636\n \n267,663\n \nDeferred\nU.S. Federal\n(\n94,321\n)\n(\n300,494\n)\n(\n146,581\n)\nState and local\n(\n5,990\n)\n(\n50,318\n)\n11,781\n \nForeign\n(\n695\n)\n(\n3,090\n)\n4,603\n \nTotal deferred\n(\n101,006\n)\n(\n353,902\n)\n(\n130,197\n)\nTotal\n$\n247,614\n \n$\n96,734\n \n$\n137,466\n \n(1)\n(1)\nF-28", "1159505a-724d-4152-bd56-a40e930520ed": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nA reconciliation of the provision for income tax to the amount computed by applying the statutory federal income tax rate to income from continuing operations\nbefore income taxes for each of the three years ended March 31 is as follows:\n \n \nFiscal Year Ended March 31,\n \n2024\n2023\n2022\nIncome tax expense computed at U.S. federal statutory rate\n$\n179,197\n \n$\n77,269\n \n$\n126,981\n \nIncreases (reductions) resulting from:\nState and local income taxes, net of federal tax\n85,486\n \n32,599\n \n28,762\n \nForeign income taxes, net of federal tax\n(\n7,932\n)\n4,765\n \n9,243\n \nNon-deductible expenses, including non-deductible penalties\n4,867\n \n34,825\n \n859\n \nExcess tax benefits from stock-based compensation\n(\n10,091\n)\n(\n5,247\n)\n(\n4,227\n)\nResearch and development and other federal credits\n(\n31,289\n)\n(\n33,159\n)\n(\n34,080\n)\nExecutive compensation -162(m)\n6,307\n \n4,295\n \n3,614\n \nForeign-Derived Intangible Income (FDII)\n(\n13,971\n)\n(\n15,869\n)\n(\n9,115\n)\nChanges in uncertain tax positions (including indirect effects)\n37,592\n \n(\n6,498\n)\n16,938\n \nOther\n(\n2,552\n)\n3,754\n \n(\n1,509\n)\nIncome tax expense from operations\n$\n247,614\n \n$\n96,734\n \n$\n137,466\n \nTax Receivables and Payables\nThe Company has both income tax receivables and income tax payable on its consolidated balance sheet as follows:\n \nMarch 31,\n \n2024\n2023\nCurrent income tax receivable\n$\n47,158\n \n$\n23,633\n \nLong term income tax receivable\n$\n152,474\n \n$\n167,821\n \nCurrent income tax payable\n$\n11,331\n \n$\n14,523\n \nCurrent income tax receivable represents previously made estimated payments that will be applied to the Company\u2019s future U.S. federal and state tax returns. This\namount is classified as prepaid expenses and other current assets on the consolidated balance sheet. Current income tax payable represents current liabilities associated\nwith the Company\u2019s current tax returns that the Company intends to file in fiscal 2025. This amount is classified as other current liabilities on the consolidated balance\nsheet.\nThe long-term income tax receivable represents the amended U.S. federal return refund claims for research and development tax credits and the carryback claim for\nthe fiscal 2021 net operating loss which is classified as other long-term assets on the consolidated balance sheet. The Company is currently under federal audit by the IRS\nfor fiscal years 2016, 2017 and 2019-2021 and the receipt of our U.S federal return refund claims is contingent upon the completion of the ongoing IRS audits.\nF-29", "ae58cd5f-9b58-45a7-a2d1-23523ba36f1f": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nDeferred Taxes\nThe significant components of the Company\u2019s deferred income tax assets and liabilities were as follows:\n \nMarch 31,\n \n2024\n2023\nDeferred income tax assets:\nAccrued expenses\n$\n102,618\n \n$\n146,945\n \nDeferred compensation\n54,314\n \n47,931\n \nStock-based compensation\n11,107\n \n11,628\n \nPension and postretirement benefits\n34,895\n \n28,585\n \nNet operating loss and other carryforwards\n9,621\n \n16,984\n \nResearch and development expenditures and indirect effects\n248,147\n \n599,381\n \nState tax credits\n108\n \n11,516\n \nOperating lease liabilities\n63,781\n \n69,604\n \nOther\n10,261\n \n9,100\n \nTotal gross deferred income tax assets\n534,852\n \n941,674\n \nLess: Valuation allowance\n(\n8,078\n)\n(\n11,788\n)\nTotal net deferred income tax assets\n526,774\n \n929,886\n \nDeferred income tax liabilities:\nUnbilled receivables\n(\n131,919\n)\n(\n177,321\n)\nIntangible assets\n(\n93,207\n)\n(\n88,858\n)\nProperty and equipment\n(\n25,725\n)\n(\n34,905\n)\nOperating lease right-of-use assets\n(\n45,022\n)\n(\n48,939\n)\nOther\n(\n3,730\n)\n(\n6,083\n)\nTotal deferred income tax liabilities\n(\n299,603\n)\n(\n356,106\n)\nNet deferred income tax asset\n$\n227,171\n \n$\n573,780\n \nDeferred tax balances arise from temporary differences between the carrying amount of assets and liabilities and their tax basis and are stated at the enacted tax rates\nin effect for the year in which the differences are expected to reverse. A valuation allowance is provided against deferred tax assets when it is more likely than not that\nsome or all of the deferred tax asset will not be realized. In determining if the Company's deferred tax assets are realizable, management considers all positive and negative\nevidence, including the history of generating financial reporting earnings, future reversals of existing taxable temporary differences, projected future taxable income, as\nwell as any tax planning strategies.\nAs of March 31, 2024 and 2023, the Company had available federal, state, and foreign net operating loss (\u201cNOL carryforwards\u201d) of $\n9.2\n million and $\n13.7\n million,\nrespectively, that may be applied against future taxable income. The federal net operating loss of $\n1.2\n million is primarily attributable to an acquisition and will begin to\nexpire in fiscal 2037. The state net operating loss of $\n3.1\n million is primarily attributable to losses in jurisdictions in which the Company does not file a consolidated return.\nThe foreign net operating loss of $\n4.9\n million is primarily attributable to operations in jurisdictions where the Company has not historically been profitable. The Company\nrecorded a partial val\nuation allowance against those federal, state and foreign net operating losses it believes will expire prior to utilization.\nUncertain Tax Positions\nThe Company maintains reserves for uncertain tax positions related to unrecognized income tax benefits. These reserves involve considerable judgment a\nnd\nestimation and are evaluated by management based on the best information available including changes in tax laws and other information. As of March 31, 2024, 2023,\nand 2022, the Company has recorded $\n115.4\n million, $\n552.3\n million, and $\n79.9\n million, respectively, of reserves for uncertain tax positions which include potential tax\nbenefits of $\n104.2\n million, $\n91.1\n million, and $\n78.5\n million, respectively, that, when recognized, impact the effective tax rate. As of March 31, 2024 and 2023, $\n1.4\n million and\n$\n3.0\n million, respectively, of the reserve is reflected as a reduction to\n deferred taxes and the remaining balance is recorded as a component of other long-term liabilities in\nthe consolidated balance sheet.\nF-30", "b221e84b-6f23-4ad2-ba5d-8aa5b320a196": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nA reconciliation of the beginning and ending amount of potential tax benefits for the periods presented is as follows:\n \n \nMarch 31,\n \n2024\n2023\n2022\nBeginning of year\n$\n547,885\n \n$\n78,519\n \n$\n62,742\n \nIncreases in prior year position\n40,704\n \n\u2014\n \n2,620\n \nIncreases in current year position\n13,352\n \n470,881\n \n13,530\n \nDecreases in prior year position\n(\n473,848\n)\n(\n1,328\n)\n(\n373\n)\nSettlements with taxing authorities\n(\n23,696\n)\n\u2014\n \n\u2014\n \nLapse of statute of limitations\n(\n234\n)\n(\n187\n)\n\u2014\n \nEnd of year\n$\n104,163\n \n$\n547,885\n \n$\n78,519\n \nThe Company recognized accrued interest and penalties of $\n7.4\n million, $\n2.9\n million and $\n1.7\n million for fiscal 2024, 2023, and 2022, respectively, related to the\nreserves for uncertain tax positions in the income tax provision. Included in the total reserve for uncertain tax positions are accrued penalties and interest of approximately\n$\n13.2\n million, $\n5.8\n million and $\n2.9\n million at March 31, 2024, 2023, and 2022, respectively.\nThe Company is subject to taxation in the United States and various state and foreign jurisdictions. As of March 31, 2024, the Company's tax years ended March 31,\n2016 and forward are open and subject to examination by the federal tax authorities. The other jurisdictions currently open or under examination are not considered to be\nmaterial.\nDuring fiscal 2023, the Company recognized an increase in reserves for uncertain tax positions related to an increase in research and development tax credits\navailable, as in prior years, and the required capitalization of research and development expenditures, which became effective in fiscal 2023. The uncertain tax positions\nrelated to the capitalization of research and development expenditures were offset by a deferred tax asset.\nDuring fiscal 2024, the Company completed a detailed study of its research and development expenditures and confirmed management's position that only certain\ncontracts and activities are required to be capitalized and amortized under the rules enacted as part of the Tax Cuts and Jobs Act of 2017, specifically Section 174. This\nwas further supported by guidance issued by the Internal Revenue Service in September and December 2023. As a result, the Company reversed its uncertain tax position\nreserve related to Section 174\n with a corresponding decrease to deferred tax assets. Dur\ning fiscal 2024, the Company also recognized an increase in reserves for uncertain\ntax position reserve related to research and development tax credits, as in prior years.\nIn the fourth quarter of fiscal 2024, the Company received an unfavorable ruling from the District of Columbia Court of Appeals related to contested tax assessments\nfrom the District of Columbia Office of Tax and Revenue (\u201cDC OTR\u201d) for fiscal years 2013 through 2015. As previously disclosed, no reserves had previously been\naccrued related to this matter and as such, $\n42.7\n million of income tax expense has been recorded in the fiscal 2024 consolidated statement of operations, which reflects\nthe tax liability including interest and penalties, net of federal benefit. This expense is related to the years at issue in the litigation, which were previously paid under\nprotest, and the subsequent periods in which the position had been taken. The Company has filed amended tax returns related to these subsequent periods and paid\n$\n13.2\n million of incremental cash taxes in the fourth quarter of fiscal 2024. The remaining $\n10.5\n million of settlements with taxing authorities was previously paid.\n14. \nEmployee Benefit Plans\nDefined Contribution Plan\nThe Company sponsors the Employees\u2019 Capital Accumulation Plan (the \u201cECAP\u201d), which is a qualified defined contribution plan that covers eligible U.S. and certain\ninternational employees. ECAP provides for distributions to participants by reason of retirement, death, disability, or termination of employment. The Company provides\nan annual matching contribution of up to \n6\n% of eligible annual compensation.", "501ea2da-48e1-49a7-8351-206d618d6d5a": "This expense is related to the years at issue in the litigation, which were previously paid under\nprotest, and the subsequent periods in which the position had been taken. The Company has filed amended tax returns related to these subsequent periods and paid\n$\n13.2\n million of incremental cash taxes in the fourth quarter of fiscal 2024. The remaining $\n10.5\n million of settlements with taxing authorities was previously paid.\n14. \nEmployee Benefit Plans\nDefined Contribution Plan\nThe Company sponsors the Employees\u2019 Capital Accumulation Plan (the \u201cECAP\u201d), which is a qualified defined contribution plan that covers eligible U.S. and certain\ninternational employees. ECAP provides for distributions to participants by reason of retirement, death, disability, or termination of employment. The Company provides\nan annual matching contribution of up to \n6\n% of eligible annual compensation. Total expense recognized under ECAP for fiscal 2024, 2023, and 2022 was $\n218.4\n million,\n$\n190.5\n million, and $\n176.8\n million, respectively, and the Company-paid contributions were $\n213.3\n million, $\n185.7\n million, and $\n171.6\n million, respectively.\nPost Retirement Benefits\nThe Company provides postretirement healthcare benefits to former officers under a medical indemnity insurance plan, with premiums paid by the Company. This\nplan is referred to as the Officer Medical Plan. The Company recognizes a liability for the defined benefit plans' underfunded status, measures the defined benefit plans'\nobligations that determine its funded status as of the end of the fiscal year, and recognizes as a component of accumulated other comprehensive income the changes in\nthe defined benefit plans' funded status that are not recognized as components of net periodic benefit cost. See Note 15, \u201cAccumulated Other Comprehensive Income,\u201d to\nour consolidated financial statements.\nF-31", "85a9c894-da4a-4fe6-bd5f-882daa676c54": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nThe components of net postretirement medical expense for the Officer Medical Plan were as follows:\n \n \nFiscal Year Ended March 31,\n \n2024\n2023\n2022\nService cost\n$\n5,100\n \n$\n6,117\n \n$\n6,505\n \nInterest cost\n5,067\n \n4,182\n \n4,063\n \nTotal postretirement medical expense\n$\n10,167\n \n$\n10,299\n \n$\n10,568\n \nThe service cost component of net periodic benefit cost is included in cost of revenue and general and administrative expenses, and the non-service cost\ncomponents of net periodic benefit cost (interest cost and net actuarial loss) are included as part of other income (expense), net in the accompanying consolidated\nstatements of operations.\nThe weighted-average discount rate used to determine the year-end benefit obligation for the Officer Medical Plan were \n5.20\n%, \n4.90\n% and \n3.75\n% for fiscal 2024,\n2023, and 2022, respectively.\nAssumed healthcare cost trend rates for the Officer Medical Plan at March 31 were as follows: \nPre-65 initial rate\n2024\n2023\nHealthcare cost trend rate assumed for next year\n7.25\n \n%\n6.60\n \nRate to which the cost trend rate is assumed to decline (the ultimate trend rate)\n4.50\n \n%\n4.50\n \nYear that the rate reaches the ultimate trend rate\n2033\n2032\nPost-65 initial rate\n2024\n2023\nHealthcare cost trend rate assumed for next year\n7.50\n \n%\n6.80\n \nRate to which the cost trend rate is assumed to decline (the ultimate trend rate)\n4.50\n \n%\n4.50\n \nYear that the rate reaches the ultimate trend rate\n2033\n2032\nThe changes in the benefit obligation, plan assets, and funded status of the Officer Medical Plan were as follows:\n \n \nFiscal Year Ended March 31,\n \n2024\n2023\n2022\nBenefit obligation, beginning of the year\n$\n105,585\n \n$\n113,505\n \n$\n121,518\n \nService cost\n5,100\n \n6,117\n \n6,505\n \nInterest cost\n5,067\n \n4,182\n \n4,063\n \nNet actuarial loss (gain)\n17,163\n \n(\n14,288\n)\n(\n13,563\n)\nBenefits paid\n(\n5,927\n)\n(\n3,931\n)\n(\n5,018\n)\nBenefit obligation, end of the year\n$\n126,988\n \n$\n105,585\n \n$\n113,505\n \nThe net actuarial loss related to the benefit obligation in fiscal 2024 was primarily due to unfavorable updates in estimated medical claims, medical inflation, and\ndemographic assumptions, partially offset by increases in discount rates. The net actuarial gain related to the benefit obligation in fiscal 2023 was primarily due to a\nfavorable change from using an amounts-weighted to a headcount-weighted mortality table and increases in discount rates, partially offset by updates to estimated\nmedical costs and the outlook of higher future medical inflation. The net actuarial gain related to the benefit obligation in fiscal 2022 was primarily due to favorable\nchanges in estimated medical costs and increases in discount rates, partially offset by updates to demographic assumptions and outlook of higher future medical\ninflation.\nFiscal Year Ended March 31,\nChanges in plan assets\n2024\n2023\n2022\nFair value of plan assets, beginning of the year\n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \nEmployer contributions\n5,927\n \n3,931\n \n5,018\n \nBenefits paid\n(\n5,927\n)\n(\n3,931\n)\n(\n5,018\n)\nFair value of plan assets, end of the year\n$\n\u2014\n \n$\n\u2014\n \n$\n\u2014\n \nAs of March 31, 2024 and 2023, the unfunded status of the Officer Medical Plan was $\n127.0\n million and $\n105.6\n million, respectively, which is included in other long-\nterm liabilities in the accompanying consolidated balance sheets.\nF-32", "f1fabf82-a7bd-4dc6-8734-6783363b1de1": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nThe expected future medical benefit payments and related contributions are as follows:\n \n \nFor the Fiscal Year Ending March 31,\n2025\n$\n5,142\n \n2026\n5,677\n \n2027\n6,117\n \n2028\n6,658\n \n2029\n7,173\n \n2030 - 2034\n42,398\n \nTotal\n$\n73,165\n \n15. \nAccumulated Other Comprehensive Income\nAll amounts recorded in other comprehensive loss are related to the Company's post-retirement plans and interest rate swaps designated as cash flow hedges. \nThe\nfollowing table presents the changes in accumulated other comprehensive income, net of tax:\nFiscal Year Ended March 31, 2024\nPost-retirement\nplans\nDerivatives designated\nas cash flow hedges\nTotal\nBeginning of year\n$\n19,450\n \n$\n9,883\n \n$\n29,333\n \nOther comprehensive (loss) income before reclassifications \n(\n15,989\n)\n8,643\n \n(\n7,346\n)\nAmounts reclassified from accumulated other comprehensive income\n(\n1,485\n)\n(\n10,970\n)\n(\n12,455\n)\nNet current-period other comprehensive income\n(\n17,474\n)\n(\n2,327\n)\n(\n19,801\n)\nEnd of year\n$\n1,976\n \n$\n7,556\n \n$\n9,532\n \n Changes in other comprehensive income before reclassification for post-retirement plans and derivatives designated as cash flow hedges are recorded net of tax\nbenefit (expense) of $\n5.5\n million and $(\n3.2\n) million, respectively, for the fiscal year ended March 31, 2024.\nFiscal Year Ended March 31, 2023\nPost-retirement\nplans\nDerivatives designated as\ncash flow hedges\nTotal\nBeginning of year\n$\n8,811\n \n$\n(\n226\n)\n$\n8,585\n \nOther comprehensive income before reclassifications\n10,644\n \n11,021\n \n21,665\n \nAmounts reclassified from accumulated other comprehensive income\n(\n5\n)\n(\n912\n)\n(\n917\n)\nNet current-period other comprehensive income\n10,639\n \n10,109\n \n20,748\n \nEnd of year\n$\n19,450\n \n$\n9,883\n \n$\n29,333\n \n Changes in other comprehensive income (loss) before reclassification for post-retirement plans and derivatives designated as cash flow hedges are recorded net\nof tax benefit of $\n3.8\n million and $\n3.9\n million, respectively, for the fiscal year ended March 31, 2023.\nFiscal Year Ended March 31, 2022\nPost-retirement\nplans\nDerivatives designated\nas cash flow hedges\nTotal\nBeginning of year\n$\n(\n1,562\n)\n$\n(\n28,209\n)\n$\n(\n29,771\n)\nOther comprehensive income before reclassifications \n10,294\n \n15,032\n \n25,326\n \nAmounts reclassified from accumulated other comprehensive income\n79\n \n12,951\n \n13,030\n \nNet current-period other comprehensive income\n10,373\n \n27,983\n \n38,356\n \nEnd of year\n$\n8,811\n \n$\n(\n226\n)\n$\n8,585\n \nChanges in other comprehensive income (loss) before reclassification for post-retirement plans and derivatives designated as cash flow hedges are recorded net\nof tax benefit of $\n3.6\n million and $\n5.3\n million, respectively, for the fiscal year ended March 31, 2022.\n(1)\n(1)\n (2)\n(2)\n(3)\n(3) \nF-33", "22ee6b0d-df1d-4eef-827c-694cb8def956": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\n16. \nStockholders\u2019 Equity\nCommon Stock\nHolders of Class A Common Stock are entitled to \none\n vote for each share. Each share of Class A Common is entitled to participate equally in all dividends and other\ndistributions declared on and payable with respect to the Class A Common Stock, subject to the preferences and rights of any preferred stock and the General\nCorporation Law of the State of Delaware. The Company\u2019s ability to pay dividends to stockholders is limited as a practical matter by restrictions in the agreements\ngoverning the Company's indebtedness.\nThe authorized and unissued shares of Class A Common Stock are available for future issuance upon stock option exercises and vesting of restricted stock units\nwithout additional stockholder approval.\nShare Repurchase Program\nOn December 21, 2011, the Board of Directors adopted a share repurchase program, which was most recently increased by $\n525.0\n million to $\n3,085.0\n million on\nMay 22, 2024. A special committee of the Board evaluates market conditions and other relevant factors and initiates repurchases under the program from time to time. The\nshare repurchase program may be suspended, modified or discontinued at any time at the Company\u2019s discretion without prior notice. During fiscal 2024, the Company\npurchased \n3.2\n million shares of Class A Common Stock in a series of open market transactions for $\n372.8\n million. During fiscal 2023, the Company purchased \n2.1\n million\nshares of Class A Common Stock in a series of open market transactions for $\n196.2\n million. As of March 31, 2024, the Company had $\n483.2\n million remaining under the\nshare repurchase program.\nDividends\nThe following table summarizes the cash distributions recognized in the consolidated statement of cash flows:\n \nFiscal Year Ended March 31,\n \n2024\n2023\n2022\nRecurring dividends \n$\n253,413\n \n$\n235,726\n \n$\n209,057\n \nAmounts represent recurring quarterly dividends that were declared and paid for during each quarter of fiscal 2024, 2023, and 2022.\n17. \nStock-based Compensation\nThe following table summarizes stock-based compensation expense recognized in the consolidated statements of operations:\n \n \nFiscal Year Ended March 31,\n \n2024\n2023\n2022\nCost of revenue\n$\n43,995\n \n$\n43,378\n \n$\n36,836\n \nGeneral and administrative expenses\n50,987\n \n36,894\n \n32,948\n \nTotal\n$\n94,982\n \n$\n80,272\n \n$\n69,784\n \nThe following table summarizes the total stock-based compensation expense recognized in the consolidated statements of operations by the following types of\nequity awards, including stock options, time-based and performance-based restricted stock awards. Compensation expense for performance-based awards is estimated at\neach reporting date using management's expectation of the probable achievement of the specified performance criteria of each tranche during the respective performance\nperiods:\n \nFiscal Year Ended March 31,\n \n2024\n2023\n2022\nEquity Incentive Plan Options\n$\n1,319\n \n$\n2,550\n \n$\n1,793\n \nRestricted Stock and Other Awards\n93,663\n \n77,722\n \n67,991\n \nTotal\n$\n94,982\n \n$\n80,272\n \n$\n69,784\n \nAs of March 31, 2024 and 2023, there was $\n62.3\n million and $\n50.9\n million, respectively, of total unrecognized compensation cost related to unvested stock-based\ncompensation agreements. The unrecognized compensation cost as of March 31, 2024 is expected to be fully amortized over the next \nfive years\n. \nAbsent the effect of\nforfeiture or acceleration of stock compensation cost for departures of employees, the following tables summarize the unrecognized compensation cost and the weighted\naverage period the cost is expected to be amortized (excludes any future award):\n \n(1)\n(1) \nF-34", "ec5502af-1a50-4fcb-ac89-58a9666b9cb9": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nUnrecognized Compensation Cost\nWeighted Average Remaining Period to be\nRecognized\nMarch 31,\n2024\nMarch 31,\n2023\nMarch 31,\n2024\nMarch 31,\n2023\nEquity Incentive Plan Options\n$\n2,592\n \n$\n3,495\n \n3.6\n3.7\nRestricted Stock and Other Awards\n59,706\n \n47,451\n \n1.7\n1.8\nTotal\n$\n62,298\n \n$\n50,946\n \nEquity Incentive Plan\nAwards under the Company's Equity Incentive Plan (the \u201cEIP\u201d) may be made in the form of stock options; stock purchase rights; restricted stock; restricted stock\nunits; performance shares; performance units; stock appreciation rights; deferred share units; dividend equivalents; and other stock-based awards. As of March 31, 2024\nand 2023, there were \n6.0\n million and \n7.7\n million shares, respectively, available for future grant under the EIP.\nStock Options\nStock options under the EIP are granted at the discretion of the Board of Directors or its Compensation, Culture and People Committee and expire \nten years\n from the\ngrant date. Stock options generally vest in equal installments over a \nfive-year\n period subject to the grantee\u2019s continued service on each applicable vesting. All options\nunder the EIP are exercisable, upon vesting, for shares of Class A Common Stock of Holding.\nAs of March 31, 2024 and 2023, \n0.2\n million and \n0.4\n million options were unvested under the EIP, with a weighted average grant date fair value of $\n18.45\n and $\n15.61\n,\nrespectively. There were \n0.8\n million and \n1.1\n million EIP options outstanding as of March 31, 2024 and 2023, with a weighted average exercise price of $\n67.98\n and $\n60.55\n,\nrespectively.\nAnnual Incentive Plans\nOn October 1, 2010, the Board of Directors adopted an Annual Incentive Plan, or AIP, in connection with the initial public offering to more appropriately align the\nCompany\u2019s compensation programs with those of similarly situated companies. The amount of the annual incentive payment is determined based on performance targets\nestablished by the Board and a portion of the bonus may be paid in the form of equity (including stock and other awards under the EIP). Such equity awards vest over a\nthree-year\n period subject to the employee\u2019s continued service to the Company. The related expense is recognized in the accompanying consolidated statements of\noperations based on grant date fair value over the vesting period of \nthree years\n.\nThe Company maintains annual incentive programs for officers and key employees. The equity compensation would be issued in the form of restricted stock units\nof which a portion would vest based on the passage of time, and the other portion would vest based on specified performance conditions to be achieved over a specified\ntime period. A restricted stock unit represents a contingent right to receive \none\n share of Class A Common Stock upon vesting. Service-based restricted stock units vest in\nequal installments over a \nthree-year\n period subject to the grantee's continued service on each applicable vesting date and are settled for shares of Class A Common\nStock. Dividend equivalents are paid in respect of the service-based restricted stock units when dividends are paid on the Company's Class A Common Stock. The related\nexpense is recognized in the accompanying consolidated statements of operations based on grant date fair value over the vesting period.\nPerformance-based awards vest at the end of a \nthree-year\n period, subject to certain specified financial performance criteria, the grantee's continued service through\nthe period, and certification of final performance by the Compensation, Culture and People Committee of the Board of Directors. The performance-based awards granted\nduring fiscal 2024 included additional market conditions related to the Company\u2019s total shareholder return relative to its peer group over the \nthree-year\n performance\nperiod. The Company recognizes compensation expense for these performance-based awards with market conditions based on the grant-date fair value calculated using a\nMonte Carlo model. T\nhese awards are settled for Class A Common Stock and dividend equivalents. Compensation expense for performance-based awards during the\nperformance period is estimated at each reporting date using management's expectation of the probable achievement of the specified performance criteria.", "9b7da7fe-541f-4b08-bf5e-89dcfb5c3d0d": "The related\nexpense is recognized in the accompanying consolidated statements of operations based on grant date fair value over the vesting period.\nPerformance-based awards vest at the end of a \nthree-year\n period, subject to certain specified financial performance criteria, the grantee's continued service through\nthe period, and certification of final performance by the Compensation, Culture and People Committee of the Board of Directors. The performance-based awards granted\nduring fiscal 2024 included additional market conditions related to the Company\u2019s total shareholder return relative to its peer group over the \nthree-year\n performance\nperiod. The Company recognizes compensation expense for these performance-based awards with market conditions based on the grant-date fair value calculated using a\nMonte Carlo model. T\nhese awards are settled for Class A Common Stock and dividend equivalents. Compensation expense for performance-based awards during the\nperformance period is estimated at each reporting date using management's expectation of the probable achievement of the specified performance criteria.\nThe Company also issues equity awards under other programs in the form of restricted stock units that would vest immediately after issuance or over an applicable\nvesting period subject to the employee's continued service for the Company. The associated expenses are recognized in the accompanying consolidated statements of\noperations based on grant date fair value.\nF-35", "9a1aa41f-b9db-40d1-8d5b-1933e5ed5126": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nGrants of Class A Restricted Common Stock and Restricted Stock Units\nDuring fiscal 2024, the Board of Directors granted an aggregate of \n1.0\n million Restricted Stock Units with service-based and performance-based vesting conditions\nto existing officers, vice presidents, and other employees and non-employees of the Company, as well as to newly promoted and hired partners and vice presidents. The\nawards will vest based on the applicable vesting period for the specific award subject to the employees' continued employment with the Company. The Board also\ngranted Class A Restricted Common Stock to members of the Board during fiscal 2024. These awards generally vest over \none year\n.\nThe aggregate fair value of all awards issued during fiscal 2024 was $\n97.2\n million and will be recognized in the accompanying consolidated statements of operations\nover the applicable vesting period of the awards. The total fair value of restricted stock shares vested during fiscal 2024 and 2023 was $\n86.2\n million and $\n70.2\n million,\nrespectively.\nAs permitted under the terms of the EIP, the Compensation, Culture and People Committee, as Administrator of the Plan, authorized the withholding of taxes not to\nexceed the minimum statutory withholding amount, through the surrender of shares of Class A Common Stock issuable upon the vesting or accelerated vesting of\nRestricted Stock. As a result of these transactions, the Company repurchase\nd\n \n0.3\n million\n shares a\nnd recorded them as treasury shares at a total cost of $\n42.3\n million in\nfiscal 2024.\nThe following table summarizes unvested restricted stock activity for the periods presented:\nNumber of\nShares\nWeighted\nAverage Grant Date\nFair Value\nUnvested Restricted Stock Awards\nUnvested at March 31, 2023\n1,184,587\n \n$\n87.08\n \nGranted\n982,447\n \n98.94\n \nVested\n949,651\n \n90.79\n \nForfeited\n106,720\n \n96.81\n \nUnvested at March 31, 2024 \n1,110,663\n \n$\n93.46\n \nUnvested restricted stock includes \n0.1\n million shares of performance-based awards that completed the \nthree-year\n performance period but remained unsettled at\nMarch 31, 2024, subject to the certification of final performance by the Compensation, Culture and People Committee of the Board of Directors.\nEmployee Stock Purchase Plan\nThe Company offers a tax qualified Employee Stock Purchase Plan, or ESPP, which is designed to enable eligible employees to periodically purchase shares of the\nClass A Common Stock at a \nfive\n percent discount from the fair market value of the Class A Common Stock. The ESPP provides for quarterly offering periods. For the year\nended March 31, 2024, \n0.2\n million shares of Class A Common Stock were purchased by employees under the ESPP. Since the program's inception, \n3.7\n million shares have\nbeen purchased by employees of the total \n10.0\n million shares available.\n18. \nFair Value Measurements\nThe financial instruments measured at fair value on a recurring basis in the accompanying consolidated balance sheets consist of the following:\nRecurring Fair Value Measurements\nas of March 31, 2024\nLevel 1\nLevel 2\nLevel 3\nTotal\nAssets:\nCurrent derivative instruments\n$\n\u2014\n \n$\n8,713\n \n$\n\u2014\n \n$\n8,713\n \nLong-term derivative instruments\n\u2014\n \n1,556\n \n\u2014\n \n1,556\n \nLong term deferred compensation plan asset\n28,957\n \n\u2014\n \n\u2014\n \n28,957\n \nTotal Assets\n$\n28,957\n \n$\n10,269\n \n$\n\u2014\n \n$\n39,226\n \nLiabilities:\nLong term deferred compensation plan liability\n28,957\n \n\u2014\n \n\u2014\n \n28,957\n \nTotal Liabilities\n$\n28,957\n \n$\n\u2014\n \n$\n\u2014\n \n$\n28,957\n \n(1)\n(1) \n (1)\n (1)\n (2)\n (2)\nF-36", "a9545d0a-2f62-46a5-8797-b79ef94686d6": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nRecurring Fair Value Measurements\nas of March 31, 2023\nLevel 1\nLevel 2\nLevel 3\nTotal\nAssets:\nCurrent derivative instruments\n$\n\u2014\n \n$\n11,245\n \n$\n\u2014\n \n$\n11,245\n \nLong-term derivative instruments\n\u2014\n \n3,530\n \n\u2014\n \n3,530\n \nLong term deferred compensation plan asset \n$\n20,090\n \n$\n\u2014\n \n$\n\u2014\n \n$\n20,090\n \nTotal Assets\n$\n20,090\n \n$\n14,775\n \n$\n\u2014\n \n$\n34,865\n \nLiabilities:\nLong-term derivative instruments \n\u2014\n \n1,369\n \n\u2014\n \n1,369\n \nLong term deferred compensation plan liability\n20,090\n \n\u2014\n \n\u2014\n \n20,090\n \nTotal liabilities\n$\n20,090\n \n$\n1,369\n \n$\n\u2014\n \n$\n21,459\n \n The Company\u2019s interest rate swaps are considered over-the-counter derivatives and fair value is estimated based on the present value of future cash flows\nusing a model-derived valuation that uses Level 2 observable inputs such as interest rate yield curves. See Note 11, \u201cDerivatives,\u201d to the consolidated financial\nstatements for further discussion on the Company\u2019s derivative instruments designated as cash flow hedges.\nInvestments in this category consist primarily of mutual funds whose fair values are determined by reference to the quoted market price per unit in active\nmarkets multiplied by the number of units held without consideration of transaction costs. These assets represent investments held in a consolidated trust to\nfund the Company's non-qualified deferred compensation plan and are recorded in other long-term assets and other long-term liabilities on our consolidated\nbalance sheets.\nThe fair value of the Company's cash and cash equivalents, which are Level 1 inputs, approximated its carrying values at March 31, 2024 and 2023. The Company\u2019s\ncash and cash equivalent balances presented on the accompanying consolidated balance sheets include $\n192.7\n million and $\n237.8\n million of marketable securities in\nmoney market funds as of \nMarch 31, 2024 and \n2023, respectively.\nThe Company's long-term debt is carried at amortized cost and is measured at fair value quarterly for disclosure purposes. The estimated fair values of debt are\ndetermined using quoted prices or other market information obtained from recent trading activity of the debt in markets that are not active (Level 2 inputs). The fair value\nis corroborated by prices derived from the interest rate spreads of recently completed leveraged loan transactions of a similar credit profile, industry, and terms to that of\nthe Company. The fair value of the Senior Notes are determined using quoted prices or other market information obtained from recent trading activity in the high-yield\nbond market (Level 2 inputs). \nThe carrying amount and estimated fair value of debt consists of the following:\nMarch 31, 2024\nMarch 31, 2023\nCarrying Amount\nEstimated Fair\nValue\nCarrying Amount\nEstimated Fair\nValue\nTerm Loan A\n$\n1,588,125\n \n$\n1,582,170\n \n$\n1,629,375\n \n$\n1,600,861\n \n3.875\n% Senior Notes due 2028\n700,000\n \n656,677\n \n700,000\n \n638,540\n \n4.000\n% Senior Notes due 2029\n500,000\n \n465,470\n \n500,000\n \n451,930\n \n5.950\n% Senior Notes due 2033\n650,000\n \n672,815\n \n\u2014\n \n\u2014\n \nFor our investments that are measured at fair value on a non-recurring basis, we did not have any material measurement adjustments during fiscal 2024. See Note 5,\n\u201cAcquisition and Divestitures,\u201d to the consolidated financial statements for details on non-recurring fair value measurement adjustments related to the assets and\nliabilities acquired through our acquisitions.\n19. \nRelated Party Transactions\nTwo\n of our directors served on the board of directors of a subcontractor to which the Company subcontracted $\n70.0\n million of services for fiscal 2022. \nThe\nsubcontractor was acquired by another company in August 2021, at which point the two directors ceased to serve on the board of directors. Other than the fiscal 2022\nsubcontractor fees noted, we did \nno\nt have any other material related party transactions in fiscal 2024, 2023 or 2022.", "abe0831a-f096-421e-a79d-43c20e5d4b06": "See Note 5,\n\u201cAcquisition and Divestitures,\u201d to the consolidated financial statements for details on non-recurring fair value measurement adjustments related to the assets and\nliabilities acquired through our acquisitions.\n19. \nRelated Party Transactions\nTwo\n of our directors served on the board of directors of a subcontractor to which the Company subcontracted $\n70.0\n million of services for fiscal 2022. \nThe\nsubcontractor was acquired by another company in August 2021, at which point the two directors ceased to serve on the board of directors. Other than the fiscal 2022\nsubcontractor fees noted, we did \nno\nt have any other material related party transactions in fiscal 2024, 2023 or 2022.\n (1)\n (1)\n(2)\n(1)\n (2)\n(1)\n(2) \nF-37", "be681281-f5ab-434a-b67b-052360fbcff7": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\n20. \nCommitments and Contingencies\nLetters of Credit and Third-Party Guarantees\nAs of March 31, 2024 and 2023, the Company was contingently liable under open standby letters of credit and bank guarantees issued by our banks in favor of third\nparties that totaled $\n4.4\n million and $\n6.1\n million, respectively. These letters of credit and bank guarantees primarily support insurance and bid and performance\nobligations. At both March 31, 2024 and 2023, approximately $\n1.3\n million of these instruments reduce the available borrowings under the Revolving Credit Facility. The\nremainder is guaranteed under a separate $\n7.5\n million facility of which $\n4.4\n million and $\n2.7\n million were available to the Company at March 31, 2024 and March 31, 2023,\nrespectively.\nGovernment Contracting Matters - Provision for Claimed Indirect Costs\nFor each of the fiscal years 2024, 2023, and 2022, approximately \n98\n%, \n97\n%, and \n97\n%, respectively, of the Company\u2019s revenue was generated from contracts where\nthe end user was an agency or department of the U.S. government, including contracts where the Company performed either as a prime contractor or subcontractor, and\nregardless of the geographic location in which the work was performed. U.S. government contracts and subcontracts are subject to extensive legal and regulatory\nrequirements. From time to time and in the ordinary course of business\n, agencies of the U.S. government, including the Defense Contract Audit Agency (\u201cDCAA\u201d), audit\nthe Company\u2019s claimed indirect costs and conduct inquiries and investigations of our business practices with respect to government contracts to determine whether the\nCompany's operations are conducted in accordance with these \nrequirements and the terms of the relevant contracts. Based upon DCAA\u2019s recent audit findings, the\nCompany reduced a portion of its provision for claimed indirect costs related to fiscal 2022 by approximately $\n18.3\n million during the second quarter of fiscal 2024, which\nresulted in a corresponding increase to revenue, to reflect our best estimate of the final indirect cost rates for fiscal 2022. Operating income for the fiscal year ended\nMarch 31, 2024 was accordingly increased by $\n18.3\n million and net income was increased by $\n13.5\n million (or $\n0.10\n of basic and diluted earnings per common share for the\nfiscal year ended March 31, 2024). Our final indirect cost rates for fiscal 2022 remain subject to negotiation with the Defense Contract Management Agency (\u201cDCMA\u201d)\nAdministrative Contracting Officer. \nM\nanagement believes it has recorded the appropriate provision for claimed indirect costs for any audit, inquiry, or investigation of\nwhich it is aware that may be subject to any reductions and/or penalties.\n As of March 31, 2024 and 2023, the Company had recorded liabilities of approximately $\n363.7\nmillion and $\n326.7\n million, respectively, for estimated adjustments to claimed indirect costs based on its historical DCAA audit results, including the final resolution of\nsuch audits with the Defense Contract Management Agency, for claimed indirect costs incurred subsequent to fiscal 2011, and for contracts not yet closed that are\nsubject to audit and final resolution.\nLitigation\nOur performance under U.S. government contracts and compliance with the terms of those contracts and applicable laws and regulations are subject to continuous\naudit, review, and investigation by the U.S. government, which may include such investigative techniques as subpoenas or civil investigative demands. Given the nature\nof our business, these audits, reviews, and investigations may focus, among other areas, on various aspects of procurement integrity, labor time reporting, sensitive\nand/or classified information access and control, executive compensation, and post government employment restrictions. We are not always aware of our status in such\nmatters, but we are currently aware of certain pending audits and investigations involving labor time reporting, procurement integrity, and classified information access.\nIn addition, from time to time, we are also involved in legal proceedings and investigations arising in the ordinary course of business, including those relating to\nemployment matters, relationships with clients and contractors, intellectual property disputes, and other business matters. These legal proceedings seek various\nremedies, including claims for monetary damages in varying amounts, none of which are considered material, or are unspecified as to amount.", "470eeeb8-50f4-4a7a-9abb-1739364de621": "government, which may include such investigative techniques as subpoenas or civil investigative demands. Given the nature\nof our business, these audits, reviews, and investigations may focus, among other areas, on various aspects of procurement integrity, labor time reporting, sensitive\nand/or classified information access and control, executive compensation, and post government employment restrictions. We are not always aware of our status in such\nmatters, but we are currently aware of certain pending audits and investigations involving labor time reporting, procurement integrity, and classified information access.\nIn addition, from time to time, we are also involved in legal proceedings and investigations arising in the ordinary course of business, including those relating to\nemployment matters, relationships with clients and contractors, intellectual property disputes, and other business matters. These legal proceedings seek various\nremedies, including claims for monetary damages in varying amounts, none of which are considered material, or are unspecified as to amount. Although the outcome of\nany such matter is inherently uncertain and may be materially adverse, based on current information, we do not expect any of the currently ongoing audits, reviews,\ninvestigations, or litigation to have a material adverse effect on our financial condition and results of operations. As of March 31, 2024 and 2023, there were no material\namounts accrued in the consolidated financial statements related to these proceedings.\nF-38", "3546abaa-11b0-48ae-bbd9-3cca9594cd03": "Table of Contents\nBOOZ ALLEN HAMILTON HOLDING CORPORATION\nNOTES TO CONSOLIDATED FINANCIAL STATEMENTS\n(Amounts in tables in thousands, except share and per share data or unless otherwise noted)\nOn June 7, 2017, Booz Allen Hamilton was informed that the U.S. Department of Justice (\u201cDOJ\u201d) was conducting a civil and criminal investigation of the Company.\nIn connection with the investigation, the DOJ requested information from the Company relating to certain elements of the Company\u2019s cost accounting and indirect cost\ncharging practices with the U.S. government. \nThe investigation resulted from a \nqui tam \nlawsuit filed on or about September 26, 2016 in the United States District Court for\nthe District of Columbia pursuant to the \nqui tam\n provisions of the civil False Claims Act (the \u201cCivil Action\u201d), which lawsuit was under judicial seal until July 21, 2023.\nAfter learning of the investigation, the Company engaged a law firm experienced in these matters to represent the Company in connection with this matter and respond to\nthe government's requests. As is commonly the case with this type of matter, the Company was also contacted by other regulatory agencies and bodies, including the\nSEC, which notified the Company that it was conducting an investigation that the Company believes related to the matters that were also the subject of the DOJ's\ninvestigation.\nOn May 12, 2021, the Company was informed that the DOJ closed its criminal investigation.\nOn July 21, 2023, the Company entered into a Settlement Agreement (the \u201cSettlement Agreement\u201d) with the United States of America, acting through the DOJ and\non behalf of the Department of Defense and Defense Contract Management Agency (collectively the \u201cUnited States\u201d), and Relator Sarah A. Feinberg, to resolve the\nDOJ\u2019s civil investigation and the Civil Action. The Company entered into the Settlement Agreement to avoid the delay, uncertainty and expense of protracted litigation.\nThe Settlement Agreement contains no admission of liability by the Company.\nUnder the terms of the Settlement Agreement, the Company agreed to pay to the United States $\n377.5\n million (the \u201cSettlement Amount\u201d). The Company paid the\nSettlement Amount with cash on hand and by drawing on its revolving credit facility. As of June 30, 2023, the Company had recorded a $\n377.5\n million reserve relating to\nthis investigation and had previously disclosed that it believed the range of reasonably possible loss in connection with the investigation to be between $\n350\n million and\n$\n378\n million. Following the United States\u2019 receipt of the Settlement Amount, the Company was released from any civil or administrative monetary claims under the civil\nFalse Claims Act and other specified civil statutes and common law theories of liability for certain elements of the Company\u2019s cost accounting and indirect cost charging\npractices from April 1, 2011 through March 31, 2021, and the claim brought in the Civil Action was dismissed with prejudice.\nOn July 27, 2023, the Company was informed that the SEC concluded its investigation without recommending an enforcement action.\n21. \nBusiness Segment Information\nThe Company reports operating results and financial data in \none\n operating and reportable segment. The Company manages its business as a single profit center in\norder to promote collaboration, provide comprehensive functional service offerings across its entire client base, and provide incentives to employees based on the\nsuccess of the organization as a whole. Although certain information regarding served markets and functional capabilities is discussed for purposes of promoting an\nunderstanding of the Company\u2019s complex business, the Company manages its business and allocates resources at the consolidated level of a single operating segment.\n22. \nSubsequent Events\nOn May 24, 2024, the Company announced that its Board of Directors had declared a quarterly cash dividend of $\n0.51\n per share. Payment of the dividend will be\nmade on June 28, 2024 to stockholders of record at the close of business on June 13, 2024.\nF-39", "fc35363c-d88a-4817-8d1a-02f6501206cd": "Item 9\n. \nChanges in and Disagreements With Accountants on Accounting and Financial Disclosure\n.\nNone.\nItem 9A. Controls and Procedures.\nDisclosure Controls and Procedures\nThe Company\u2019s management, with the participation of our Chief Executive Officer and Chief Financial Officer, has evaluated the effectiveness of our disclosure\ncontrols and procedures, as defined in Rules 13a-15(e) and 15d-15(e) of the Securities Exchange Act of 1934, as of the end of the period covered by this Annual Report.\nBased on that evaluation, our Chief Executive Officer and Chief Financial Officer concluded that, as of the end of the period covered by this Annual Report, our\ndisclosure controls and procedures were effective as of March 31, 2024.\nManagement\u2019s Annual Report on Internal Control over Financial Reporting and Attestation Report of the Registered Public Accounting Firm\nOur management is responsible for establishing and maintaining adequate internal control over financial reporting. Our internal control system was designed to\nprovide reasonable assurance to our management and the Board regarding the reliability of financial reporting and the preparation of consolidated financial statements for\nexternal purposes.\nOur management conducted an assessment of the effectiveness of our internal control over financial reporting as of March 31, 2024. This assessment was based on\nthe criteria set forth by the Committee of Sponsoring Organizations of the Treadway Commission in \nInternal Control \u2014 Integrated Framework (2013 framework)\n. Based\non this assessment, management has concluded that, as of March 31, 2024, our internal control over financial reporting was effective.\nOur independent registered public accounting firm has issued a report on the effectiveness of our internal control over financial reporting, which is below.\nChanges in Internal Control Over Financial Reporting\nThere have been no changes in our internal control over financial reporting, as defined in Rules 13a-15(f) and 15d-15(f) of the Securities Exchange Act of 1934, that\noccurred in the fourth fiscal quarter of the period covered by this Annual Report that materially affected, or are reasonably likely to materially affect, our internal control\nover financial reporting.\n72", "4e4df6df-c139-44ae-9d83-393b70e896ab": "Report of Independent Registered Public Accounting Firm\nTo the Shareholders and the Board of Directors of\nBooz Allen Hamilton Holding Corporation\nOpinion on Internal Control Over Financial Reporting\nWe have audited Booz Allen Hamilton Holding Corporation\u2019s internal control over financial reporting as of March 31, 2024, based on criteria established in Internal\nControl\u2014Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (2013 framework) (the COSO criteria). In our opinion,\nBooz Allen Hamilton Holding Corporation (the Company) maintained, in all material respects, effective internal control over financial reporting as of March 31, 2024, based\non the COSO criteria.\nWe also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States) (PCAOB), the consolidated balance sheets\nof the Company as of March 31, 2024 and 2023, the related consolidated statements of operations, comprehensive income, stockholders\u2019 equity, and cash flows for each\nof the three years in the period ended March 31, 2024, and the related notes and our report dated May 24, 2024 expressed an unqualified opinion thereon.\nBasis for Opinion\nThe Company\u2019s management is responsible for maintaining effective internal control over financial reporting and for its assessment of the effectiveness of internal\ncontrol over financial reporting included in the accompanying Management\u2019s Annual Report on Internal Control over Financial Reporting. Our responsibility is to express\nan opinion on the Company\u2019s internal control over financial reporting based on our audit. We are a public accounting firm registered with the PCAOB and are required to\nbe independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of the Securities and Exchange\nCommission and the PCAOB.\nWe conducted our audit in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audit to obtain reasonable assurance\nabout whether effective internal control over financial reporting was maintained in all material respects.\nOur audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, testing and evaluating the\ndesign and operating effectiveness of internal control based on the assessed risk, and performing such other procedures as we considered necessary in the\ncircumstances. We believe that our audit provides a reasonable basis for our opinion.\nDefinition and Limitations of Internal Control Over Financial Reporting\nA company\u2019s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and the\npreparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company\u2019s internal control over financial\nreporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and\ndispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in\naccordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of\nmanagement and directors of the company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or\ndisposition of the company\u2019s assets that could have a material effect on the financial statements.\nBecause of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness\nto future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or\nprocedures may deteriorate.\n/s/ Ernst & Young LLP\nTysons, Virginia\nMay 24, 2024\n73", "a4f527b9-afe6-45c6-9803-a8ac2f63771e": "Item 9B\n. \nOther Information.\nRetirement of Dr. Shrader and Chair Transition\nOn May 21, 2024, Dr. Ralph W. Shrader, Chair of the Board of Directors (the \u201cBoard\u201d) of the Company informed the Board of his intention to not stand for re-\nelection and to retire as Chair and as a member of the Board, effective as of the Company\u2019s annual meeting of stockholders to be held on July 24, 2024 (the \u201cAnnual\nMeeting\u201d). Additionally, on May 22, 2024, the Board elected President and Chief Executive Officer, Horacio D. Rozanski, to serve as Chair, President and Chief Executive\nOfficer, effective as of the Annual Meeting, and appointed Mark Gaumond, the Company\u2019s Audit Committee Chair, to serve as Lead Independent Director, effective as of\nthe Annual Meeting.\nFiscal Year 2025 Compensation Adjustments\nOn May 21, 2024, the Compensation, Culture and People Committee (the \u201cCommittee\u201d) of the Board approved for fiscal year 2025 certain changes to the target total\ndirect compensation of certain named executive officers of the Company.\nThe target total direct compensation for Matthew A. Calderone, Executive Vice President and Chief Financial Officer of the Company, was increased to $3,200,000,\nwhich reflects an increase of $100,000 in his base salary, an increase of $100,000 in his target cash bonus, and an increase of $300,000 in his long-term equity incentive.\nThe target total direct compensation for Kristine M. Anderson, Executive Vice President and Chief Operating Officer of the Company, was increased to $3,675,000,\nwhich reflects an increase of $125,000 in her target cash bonus and an increase of $250,000 in her long-term equity incentive.\nAdditionally, on May 21, 2024, in connection with the approval of the foregoing compensation changes and the annual equity grants for our named executed\nofficers, the Committee approved special one-time equity grants for each of Mr. Calderone and Mses. Anderson and Nancy J. Laben, Executive Vice President and Chief\nLegal Officer of the Company, in the amounts of $3,000,000, $3,000,000 and $1,000,000, respectively. Mr. Calderone\u2019s and Ms. Anderson\u2019s grants are comprised of 50%\ntime-based restricted stock units and 50% performance-based restricted stock units, and Ms. Laben\u2019s grant is comprised of 100% time-based restricted stock units.\nDisclosure of Trading Arrangements\nItem 408(a) of Regulation S-K requires the Company to disclose whether any director or officer of the Company has \nadopted\n or \nterminated\n (i) any trading\narrangement that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c) (a \u201cRule 10b5-1 trading arrangement\u201d); and/or (ii) any written trading\narrangement that meets the requirements of a \u201cnon-Rule 10b5-1 trading arrangement\u201d as defined in Item 408(c) of Regulation S-K.\nDuring the quarter ended March 31, 2024, the following activity occurred requiring disclosure under Item 408(a) of Regulation S-K:\nMelody Barnes\n, a member of the \nBoard of Directors\n, \nadopted\n a new Rule 10b5-1 trading arrangement on \nMarch 14, 2024\n that will terminate on March 14, 2025. Under\nthe trading arrangement, up to an aggregate of \n1,041\n shares of common stock are available to be sold by the broker upon reaching pricing targets defined in the trading\narrangement.\nRichard Crowe\n, an \nExecutive Vice President and President\n for the Company's Civil sector, \nadopted\n a new Rule 10b5-1 trading arrangement on \nMarch 4, 2024\n that will\nterminate on February 28, 2025. Under the trading arrangement, up to an aggregate of \n5,249\n shares of common stock are available to be sold by the broker upon reaching\npricing targets defined in the trading arrangement\n.\nSusan Penfield\n, our \nChief Technology Officer\n, \nadopted\n a new Rule 10b5-1 trading arrangement on \nFebruary 8, 2024\n that will terminate on June 7, 2024. Under the\ntrading arrangement, up to an aggregate of \n30,161\n shares of common stock issuable upon the exercise of options are available to be sold by the broker upon reaching\npricing targets defined in the trading arrangement\n.", "a915cbc0-4fb1-4ccd-b515-d763bf9f1d79": "Richard Crowe\n, an \nExecutive Vice President and President\n for the Company's Civil sector, \nadopted\n a new Rule 10b5-1 trading arrangement on \nMarch 4, 2024\n that will\nterminate on February 28, 2025. Under the trading arrangement, up to an aggregate of \n5,249\n shares of common stock are available to be sold by the broker upon reaching\npricing targets defined in the trading arrangement\n.\nSusan Penfield\n, our \nChief Technology Officer\n, \nadopted\n a new Rule 10b5-1 trading arrangement on \nFebruary 8, 2024\n that will terminate on June 7, 2024. Under the\ntrading arrangement, up to an aggregate of \n30,161\n shares of common stock issuable upon the exercise of options are available to be sold by the broker upon reaching\npricing targets defined in the trading arrangement\n.\nItem 9C\n. \nDisclosure Regarding Foreign Jurisdictions that Prevent Inspections.\nNone.\nPART III\nItem 10\n. \nDirectors, Executive Officers and Corporate Governance.\nInformation related to our directors is set forth under the caption \u201cProposal 1: Election of Directors\u201d of our Proxy Statement for our Annual Meeting of\nStockholders scheduled for July 24, 2024 (the \u201c2024 Proxy Statement\u201d). Such information is incorporated herein by reference.\nInformation relating to our Executive Officers is included in Part I of this Annual Report under the caption \u201cInformation about our Executive Officers.\u201d\n74", "8da8ccc6-60d5-47e3-beb7-702b0306a3b0": "Information relating to compliance with Section 16(a) of the Exchange Act, to the extent required, is set forth in our 2024 Proxy Statement. Such information is\nincorporated herein by reference.\nInformation related to our code of ethics is set forth under the caption \u201cCorporate Governance and General Information Concerning the Board of Directors and its\nCommittees\u201d of our 2024 Proxy Statement. Such information is incorporated herein by reference.\nInformation related to our insider trading policy is set forth under the caption \u201c\nInsider Trading Policy\n and Policy on Hedging, Short Sales, and Speculative\nTransactions\u201d of our 2024 Proxy Statement. Such information is incorporated herein by reference.\nInformation relating to the Audit Committee required by Item 407(d)(4) of Regulation S-K and relating to Audit Committee and Board of Directors determinations\nconcerning whether a member of the Audit Committee is a \u201cfinancial expert\u201d as that term is defined under Item 407(d)(5) of Regulation S-K is set forth under the caption\n\u201cCorporate Governance and General Information Concerning the Board of Directors and its Committees\u201d of our 2024 Proxy Statement. Such information is incorporated\nherein by reference.\nItem 11\n. \nExecutive Compensation.\nInformation relating to this item is set forth under the captions \u201cCompensation Discussion and Analysis,\u201d \u201cDirector Compensation,\u201d \u201cCompensation Committee\nInterlocks and Insider Participation\u201d and \u201cCompensation Committee Report\u201d of our 2024 Proxy Statement. Such information is incorporated herein by reference.\nItem 12\n.\n Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters.\nEquity Compensation Plans\nThe following table presents information concerning the securities authorized for issuance pursuant to our equity compensation plans as of March 31, 2024:\nPlan Category\n(a)\nNumber of Securities to Be\nIssued Upon Exercise of\nOutstanding Options,\nWarrants and Rights\n \n(b)\nWeighted Average\nExercise Price of\nOutstanding\nOptions, Warrants\nand Rights\n(c)\nNumber of Securities Remaining\nAvailable for\nFuture Issuance Under Equity\nCompensation\nPlans (Excluding\nSecurities Reflected in Column (a))\nEquity compensation plans approved by securityholders\n1,897,986 \n$\n67.98 \n5,963,821 \nEquity compensation plans not approved by\nsecurityholders\n\u2014 \n \nN/A\n\u2014 \nTotal\n1,897,986 \n$\n67.98 \n5,963,821 \nColumn (a) includes: 1,100,508 shares that have been granted as restricted stock units (RSUs) and 797,478 shares granted as options under our equity\ncompensation plans. The weighted average price in column (b) does not take into account shares issued pursuant to RSUs.\nInformation relating to the security ownership of certain beneficial owners and management is included in our 2024 Proxy Statement under the caption \u201cSecurity\nOwnership of Certain Beneficial Owners and Management\u201d and is incorporated herein by reference.\nItem 13\n. \nCertain Relationships and Related Transactions, and Director Independence.\nInformation relating to this item is set forth under the captions \u201cCertain Relationships and Related Party Transactions\u201d and \u201cCorporate Governance and General\nInformation Concerning the Board of Directors and its Committees\u201d of our 2024 Proxy Statement. Such information is incorporated herein by reference.\nItem 14\n. \nPrincipal Accounting Fees and Services.\nInformation relating to this item is set forth under the caption \u201cIndependent Registered Public Accounting Firm Fees\u201d of our 2024 Proxy Statement. Such\ninformation is incorporated herein by reference.\nItem 15\n. \nExhibits, Financial Statement Schedules.\n (a) The following documents are filed as part of this Annual Report:\n(1) Financial Statements\n Our consolidated financial statements filed herewith are set forth in Item 8 of this Annual Report.\n(1)\n(1)\n(1)\n75", "36bfea4e-beb9-4015-b29b-9960a44fbcaf": "(2) Financial Statement Schedules\n Consolidated financial statement schedules have been omitted because either they are not applicable or the required information is included in the\nconsolidated financial statements or the notes thereto.\n(3) Exhibits\n76", "fb18c194-9583-4000-a5a6-2fd45922ee04": "Exhibit Index\nExhibit\nNumber\nDescription\n2.1\nMembership Interest Purchase Agreement, dated May 3, 2021, among (i) Booz Allen Hamilton Inc., (ii) Liberty IT Solutions, LLC, (iii) William Greene,\nChristopher \nBickell\n, and Jeff Denniston, and (iv) Southpaw Representative, LLC, in its capacity as Members' Representative (Incorporated by reference\nto Exhibit 2.1 to the Company's Form 8-K filed on May 4, 2021 (File No. 001-34972))\n3.1\nSeventh Amended and Restated Certificate of Incorporation of Booz Allen Hamilton Holding Corporation (Incorporated by reference to Exhibit 3.1 to\nthe Company\u2019s Current Report on Form 8-K filed on July 28, 2023 (File No. 001-34972))\n3.2\nAmended and Restated Bylaws of Booz Allen Hamilton Holding Corporation (Incorporated by reference to Exhibit 3.2 to the Company's Current Report\non Form 8-K filed on \nJuly 28, 2023\n (File No. 001-34972))\n4.1\nForm of Stock Certificate (Incorporated by reference to Exhibit 4.5 to the Company\u2019s Registration Statement on Form S-1 (File No. 333-167645))\n4.2\nIndenture, dated August 24, 2020, among Booz Allen Hamilton Inc., the Subsidiary Guarantors party thereto and Wilmington Trust, National\nAssociation (Incorporated by reference to Exhibit 4.1 to the Company\u2019s Current Report on Form 8-K filed on August 24, 2020 (File No. 001-34972))\n4.3\nFirst Supplemental Indenture, dated August 24, 2020, among Booz Allen Hamilton Inc., the Subsidiary Guarantors party thereto and Wilmington Trust,\nNational Association (Incorporated by reference to Exhibit 4.2 to the Company\u2019s Current Report on Form 8-K filed on August 24, 2020 (File No. 001-\n34972))\n4.4\nSecond Supplemental Indenture, dated as of November 5, 2021, among Booz Allen Hamilton Inc., the New Subsidiary Guarantors party thereto and\nWilmington Trust, National Association (Incorporated by reference to Exhibit 4.1 to the Company\u2019s Quarterly Report for the period ended December 31,\n2021 on Form 10-Q (File No. 001-34972))\n4.5\nIndenture, dated June 17, 2021, among Booz Allen Hamilton Inc., the Subsidiary Guarantors party thereto and Wilmington Trust, National Association\n(Incorporated by reference to Exhibit 4.1 to the Company\u2019s Current Report on Form 8-K filed on June 17, 2021 (File No. 001-34972))\n4.6\nFirst Supplemental Indenture, dated June 17, 2021, among Booz Allen Hamilton Inc., the Subsidiary Guarantors party thereto and Wilmington Trust,\nNational Association (Incorporated by reference to Exhibit 4.2 to the Company\u2019s Current Report on Form 8-K filed on June 17, 2021 (File No. 001-34972))\n4.7\nSecond Supplemental Indenture, dated as of November 5, 2021, among Booz Allen Hamilton Inc., the New Subsidiary Guarantors party thereto and\nWilmington Trust, National Association (Incorporated by reference to Exhibit 4.2 to the Company\u2019s Quarterly Report for the period ended December 31,\n2021 on Form 10-Q (File No. 001-34972))\n4.8\nIndenture dated as of August 4, 2023, among Booz Allen Hamilton Inc., Booz Allen Hamilton Holding Corporation, as parent guarantor, and U.S. Bank\nTrust Company, National Association, as trustee (Incorporated by reference to Exhibit 4.1 to the Company's Current Report on Form 8-K filed on\nAugust 4, 2023 (File No. 001-34972))\n4.9\nFirst\n S\nupplemental Indenture (including the form of 5.950% Senior Notes due 2033), dated as of August 4, 2023, among Booz Allen Hamilton Inc., Booz\nAllen Hamilton Holding Corporation, as parent guarantor, and U.S.", "2d5d027b-9295-4661-9126-1fb4ebe34940": "001-34972))\n4.8\nIndenture dated as of August 4, 2023, among Booz Allen Hamilton Inc., Booz Allen Hamilton Holding Corporation, as parent guarantor, and U.S. Bank\nTrust Company, National Association, as trustee (Incorporated by reference to Exhibit 4.1 to the Company's Current Report on Form 8-K filed on\nAugust 4, 2023 (File No. 001-34972))\n4.9\nFirst\n S\nupplemental Indenture (including the form of 5.950% Senior Notes due 2033), dated as of August 4, 2023, among Booz Allen Hamilton Inc., Booz\nAllen Hamilton Holding Corporation, as parent guarantor, and U.S. Bank Trust Company, National Association, as trustee (Incorporated by reference to\nExhibit 4.2 to the Company's Current Report on Form 8-K filed on August 4, 2023 (File No. 001-34972))\n4.10\nForm of 5.950% Senior Note due 2033 (included as Exhibit A to Exhibit 4.9 hereof)\n4.11\nForm of 4.000% Senior Note due 2029 (included as Exhibit A to Exhibit 4.5 hereof)\n4.12\nForm of 3.875% Senior Note due 2028 (included as Exhibit A to Exhibit 4.2 hereof)\n4.13\nDescription of Capital Stock*\n10.1\u2020\n2023 Equity Incentive Plan of Booz Allen Hamilton Holding Corporation (Incorporated by reference to Appendix C to the Company's Definitive Proxy\nStatement on Schedule 14A, filed with the Commission on June 15, 2023 (File No. 001-34972))\n10.2\u2020\nThird Amended and Restated Equity Incentive Plan of Booz Allen Hamilton Holding Corporation (Incorporated by reference to Exhibit 10.2 to the\nCompany\u2019s Quarterly Report for the period ended December 31, 2019 on Form 10-Q (File No. 001-34972))\n77", "fe156cd3-467a-45c1-9c66-cf9f670c5f7d": "10.3\u2020\nSecond Amended and Restated Booz Allen Hamilton Holding Corporation Annual Incentive Plan (Incorporated by reference to Exhibit 10.3 to the\nCompany\u2019s Quarterly Report for the period ended December 31, 2019 on Form 10-Q (File No. 001-34972))\n10.4\u2020\nBooz Allen Hamilton Holding Corporation Officers\u2019 Retirement Policy\n*\n10.5\u2020\nForm of Booz Allen Hamilton Inc. Named Executive Officer Retirement Letter\n*\n10.6\u2020\nOfficer\u2019s Comprehensive Medical and Dental Choice Plans (Incorporated by reference to Exhibit 10.7 to the Company\u2019s Annual Report for the year\nended March 31, 2018 on Form 10-K (File No. 001-34972))\n10.7\u2020\nRetired Officer Medical Plan\n*\n10.8\u2020\nRetired Officer\u2019s Comprehensive Medical and Dental Choice Plans*\n10.9\u2020\nGroup Variable Universal Life Insurance (Incorporated by reference to Exhibit 10.14 to the Company\u2019s Annual Report for the year ended March 31, 2015\non Form 10-K (File No. 001-34972))\n10.10\u2020\nGroup Personal Excess Liability Insurance*\n10.11\u2020\nOfficer Annual Performance Bonus Policy (Incorporated by reference to Exhibit 10.11 to the Company\u2019s Annual Report for the year ended March 31,\n2018 on Form 10-K (File No. 001-34972))\n10.12\u2020\nForm of Booz Allen Hamilton Holding Corporation Director and Officer Indemnification Agreement (Incorporated by reference to Exhibit 10.23 to the\nCompany\u2019s Registration Statement on Form S-1 (File No. 333-167645))\n10.13\u2020\nOfficer Transition Policy*\n10.14\nCredit Agreement among Booz Allen Hamilton Inc., as the Borrower, the several lenders from time to time parties thereto, Bank of America, N.A., as\nAdministrative Agent, Collateral Agent and Issuing Lender, Merrill Lynch, Pierce, Fenner & Smith Incorporated and Credit Suisse Securities (USA) LLC,\nas Joint Lead Arrangers, Merrill Lynch, Pierce, Fenner & Smith Incorporated, Credit Suisse Securities (USA) LLC, Barclays Bank PLC, Citigroup Global\nMarkets Inc., HSBC Securities (USA) Inc., J.P. Morgan Securities LLC, Morgan Stanley Senior Funding, Inc. and Sumimoto Mitsui Banking Corporation,\nas Joint Bookrunners, Credit Suisse Securities (USA) LLC, as Syndication Agent, Barclays Bank PLC, Citigroup Global Markets Inc., HSBC Securities\n(USA) Inc., J.P. Morgan Securities LLC, Morgan Stanley Senior Funding, Inc., Sumimoto Mitsui Banking Corporation and The Bank of Tokyo-Mitsubishi\nUFJ, Ltd., as Co-Documentation Agents, dated as of July 31, 2012 (Incorporated by reference to Exhibit 10.1 to the Company\u2019s Current Report on Form 8-\nK filed on August 1, 2012 (File No. 001-34972))\n10.15\nGuarantee and Collateral Agreement, among Booz Allen Hamilton Investor Corporation, Booz Allen Hamilton Inc., ASE, Inc. and Booz Allen Hamilton\nInternational, Inc., in favor of Bank of America, N.A., as Collateral Agent, dated as of July 31, 2012 (Incorporated by reference to Exhibit 10.2 to the\nCompany\u2019s Current Report on Form 8-K filed on August 1, 2012 (File No. 001-34972))\n10.16\nFirst Amendment to Credit Agreement, dated as of August 16, 2013, among Booz Allen Hamilton Inc., as Borrower, Booz Allen Hamilton Investor\nCorporation, Booz Allen Hamilton Engineering Holding Co., LLC, Booz Allen Hamilton Engineering Services, LLC, SDI Technology Corporation, and\nBooz Allen Hamilton International, Inc., as Guarantors,, Bank of America, N.A., as Administrative Agent, Collateral Agent and New Refinancing Tranche\nB Term Lender, and the other Lenders and financial institutions from time to time party thereto. (Incorporated by reference to Exhibit 10.1 to the\nCompany\u2019s Current Report on Form 8-K filed on August 20, 2013 (File No.", "368ac996-3f0e-4701-90fc-7c96794af1c8": "001-34972))\n10.16\nFirst Amendment to Credit Agreement, dated as of August 16, 2013, among Booz Allen Hamilton Inc., as Borrower, Booz Allen Hamilton Investor\nCorporation, Booz Allen Hamilton Engineering Holding Co., LLC, Booz Allen Hamilton Engineering Services, LLC, SDI Technology Corporation, and\nBooz Allen Hamilton International, Inc., as Guarantors,, Bank of America, N.A., as Administrative Agent, Collateral Agent and New Refinancing Tranche\nB Term Lender, and the other Lenders and financial institutions from time to time party thereto. (Incorporated by reference to Exhibit 10.1 to the\nCompany\u2019s Current Report on Form 8-K filed on August 20, 2013 (File No. 001-34972))\n10.17\nSecond Amendment to Credit Agreement, dated as of May 7, 2014, among Booz Allen Hamilton Inc., as Borrower, Booz Allen Hamilton Investor\nCorporation, Booz Allen Hamilton Engineering Holding Co., LLC, Booz Allen Hamilton Engineering Services, LLC, SDI Technology Corporation, ASE,\nInc. and Booz Allen Hamilton International, Inc., as Guarantors, Bank of America, N.A., as Administrative Agent, Collateral Agent and Issuing Lender,\nand the other Lenders and financial institutions from time to time party thereto (Incorporated by reference to Exhibit 10.1 to the Company\u2019s Current\nReport on Form 8-K filed on May 13, 2014 (File No. 001-34972))\n10.18\nThird Amendment to Credit Agreement, dated as of July 13, 2016, among Booz Allen Hamilton Inc., as Borrower, Booz Allen Hamilton Investor\nCorporation, Booz Allen Hamilton Engineering Holding Co., LLC, Booz Allen Hamilton Engineering Services, LLC, SDI Technology Corporation, ASE,\nInc. and Booz Allen Hamilton International, Inc., as Guarantors, Bank of America, N.A., as Administrative Agent, Collateral Agent and New Refinancing\nTranche B Term Lender, and the other Lenders and financial institutions from time to time party thereto (Incorporated by reference to Exhibit 10.1 to the\nCompany\u2019s Current Report on Form 8-K filed on July 18, 2016 (File No. 001-34972))\n78", "7a0770e4-d1b8-43ec-b886-2fa5910fbb5f": "10.19\nFourth Amendment to Credit Agreement, dated as of February 6, 2017, among Booz Allen Hamilton Inc., as Borrower, Booz Allen Hamilton Investor\nCorporation, Booz Allen Hamilton Engineering Holding Co., LLC, Booz Allen Hamilton Engineering Services, LLC and SDI Technology Corporation, as\nGuarantors, Bank of America, N.A., as Administrative Agent, Collateral Agent and New Refinancing Tranche B Term Lender, and the other Lenders and\nfinancial institutions from time to time party thereto (Incorporated by reference to Exhibit 10.1 to the Company\u2019s Current Report on Form 8-K filed on\nFebruary 7, 2017 (File No. 001-34972))\n10.20\nFifth Amendment to Credit Agreement, dated as of March 7, 2018, among Booz Allen Hamilton Inc., as Borrower, Booz Allen Hamilton Investor\nCorporation, Booz Allen Hamilton Engineering Holding Co., LLC, Booz Allen Hamilton Engineering Services, LLC, SDI Technology Corporation, eGov\nHoldings, Inc. and Aquilent, Inc., as Guarantors, Bank of America, N.A., as Administrative Agent, Collateral Agent, Exchanging Lender and New\nRefinancing Tranche B Term Lender, and the other Lenders and financial institutions from time to time party thereto (Incorporated by reference to Exhibit\n10.1 to the Company\u2019s Current Report on Form 8-K filed on March 7, 2018 (File No. 001-34972))\n10.21\nSixth Amendment to Credit Agreement, dated as of July 23, 2018, among Booz Allen Hamilton Inc., as Borrower, Booz Allen Hamilton Investor\nCorporation, Booz Allen Hamilton Engineering Holding Co., LLC, Booz Allen Hamilton Engineering Services, LLC, SDI Technology Corporation, eGov\nHoldings, Inc. and Aquilent, Inc. as Guarantors, Bank of America, N.A., as Administrative Agent and Collateral Agent and the other Lenders and\nfinancial institutions from time to time party thereto (Incorporated by reference to Exhibit 10.1 to the Company's Current Report on Form 8-K filed on July\n24, 2018 (File No. 001-34972))\n10.22\nSeventh Amendment to the Credit Agreement, dated as of November 26, 2019, among Booz Allen Hamilton Inc., as Borrower, Booz Allen Hamilton\nInvestor Corporation, Booz Allen Hamilton Engineering Holding Co., LLC, Booz Allen Hamilton Engineering Services, LLC, SDI Technology\nCorporation, eGov Holdings, Inc. and Aquilent, Inc., as Guarantors, Bank of America, N.A., as Administrative Agent, Collateral Agent, Exchanging\nLender and New Refinancing Tranche B Term Lender and the other Lenders and financial institutions from time to time party thereto (Incorporated by\nreference to Exhibit 10.1 to the Company\u2019s Current Report on Form 8-K filed on November 26, 2019 (File No. 001-34972))\n10.23\nEighth Amendment to Credit Agreement, dated as of June 24, 2021, among Booz Allen Hamilton Inc., as Borrower, Booz Allen Hamilton Investor\nCorporation, eGov Holdings, Inc. and Aquilent, Inc., as Guarantors, Bank of America, N.A., as Administrative Agent and Collateral Agent and the other\nLenders and financial institutions from time to time party thereto (Incorporated by reference to Exhibit 10.1 to the Company\u2019s Current Report on Form 8-K\nfiled on June 25, 2021 (File No. 001-34972))\n10.24\nNinth Amendment to Credit Agreement, dated as of September 7, 2022, among Booz Allen Hamilton Inc., as Borrower, Booz Allen Hamilton Investor\nCorporation, eGov Holdings, Inc., Aquilent, Inc. and Liberty IT Solutions, LLC, as Guarantors, Bank of America, N.A., as Administrative Agent and\nCollateral Agent and the other Lenders and financial institutions from time to time party thereto (Incorporated by reference to Exhibit 10.1 to the\nCompany\u2019s Current Report on Form 8-K filed on September 7, 2022 (File No.", "21c63e13-fc1f-426a-945f-2e70073375c0": "001-34972))\n10.24\nNinth Amendment to Credit Agreement, dated as of September 7, 2022, among Booz Allen Hamilton Inc., as Borrower, Booz Allen Hamilton Investor\nCorporation, eGov Holdings, Inc., Aquilent, Inc. and Liberty IT Solutions, LLC, as Guarantors, Bank of America, N.A., as Administrative Agent and\nCollateral Agent and the other Lenders and financial institutions from time to time party thereto (Incorporated by reference to Exhibit 10.1 to the\nCompany\u2019s Current Report on Form 8-K filed on September 7, 2022 (File No. 001-34972))\n10.25\nTenth Amendment to Credit Agreement, dated as of July 27, 2023, among Booz Allen Hamilton Inc., as borrower, Bank of America, N.A., as\nadministrative agent and the other lenders and financial institutions party thereto. (Incorporated by reference to Exhibit 10.1 to the Company\u2019s Quarterly\nReport for the period ended June 30, 2023 on \nForm 10-Q (File No. 001-34972))\n10.26\nAssumption Agreement, dated as of April 14, 2017, by eGov Holdings, Inc. and Aquilent, Inc. in favor of Bank of America, N.A., as collateral agent for\nthe banks and other financial institutions or entities party to the Credit Agreement, as amended (Incorporated by reference to Exhibit 10.10 to the\nCompany\u2019s Quarterly Report for the period ended June 30, 2017 on Form 10-Q (File No. 001-34972))\n10.27\nAssumption Agreement, dated as of November 5, 2021, by Liberty IT Solutions, LLC, in favor of Bank of America, N.A., as collateral agent for the banks\nand other financial institutions or entities party to the Credit Agreement, as amended (Incorporated by reference to Exhibit 10.1 to the Company\u2019s\nQuarterly Report for the period ended December 31, 2021 on Form 10-Q (File No. 001-34972))\n10.28\u2020\nBooz Allen Hamilton Inc. Nonqualified Deferred Compensation Plan (Incorporated by reference to Exhibit 10.7 to the Company\u2019s Quarterly Report for the\nperiod ended December 31, 2018 on Form 10-Q (File No. 001-34972))\n10.29\u2020\nFirst Amendment to the Nonqualified Deferred Compensation Plan (Incorporated by reference to Exhibit 10.1 to the Company\u2019s Quarterly Report for the\nperiod ended September 30, 2019 on Form 10-Q (File No. 001-34972))\n10.30\u2020\nForm of Stock Option Agreement under the Second Amended and Restated Equity Incentive Plan of Booz Allen Hamilton Holding Corporation\n(Incorporated by reference to Exhibit 10.36 to the Company\u2019s Annual Report for the year ended March 31, 2017 on Form 10-K (File No. 001-34972))\n10.31\u2020\nForm of Stock Option Agreement under the Second Amended and Restated Equity Incentive Plan of Booz Allen Hamilton Holding Corporation\n(Incorporated by reference to Exhibit 10.59 to the Company\u2019s Annual Report for the year ended March 31, 2019 on Form 10-K (File No. 001-34972))\n79", "66f459ed-c6a4-47e2-a133-ce3632c3c814": "10.32\u2020\nForm of Stock Option Agreement under the Third Amended and Restated Equity Incentive Plan of Booz Allen Hamilton Holding Corporation\n(Incorporated by reference to Exhibit 10.61 to the Company's Annual Report for the year ended March 31, 2020 on Form 10-K (file No. 001-34972)\n10.33\u2020\nOfficer Perquisites Policy (Incorporated by reference to Exhibit 10.45 to the Company\u2019s Annual Report for the year ended March 31, 2018 on Form 10-K\n(File No. 001-34972))\n10.34\u2020\nForm of Stock Option Agreement under the Third Amended and Restated Equity Incentive Plan of Booz Allen Hamilton Holding Corporation\n(Incorporated by reference to Exhibit 10.65 to the Company\u2019s Annual Report for the period ended March 31, 2022 on Form 10-K (File No. 001-34972))\n10.35\u2020\nForm of Restricted Stock Unit Agreement under the Third Amended and Restated Equity Incentive Plan of Booz Allen Hamilton Holding Corporation\n(Incorporated by reference to Exhibit 10.66 to the Company\u2019s Annual Report for the period ended March 31, 2022 on Form 10-K (File No. 001-34972))\n10.36\u2020\nForm of Performance Restricted Stock Unit Agreement under the Third Amended and Restated Equity Incentive Plan of Booz Allen Hamilton Holding\nCorporation (Incorporated by reference to Exhibit 10.67 to the Company\u2019s Annual Report for the period ended March 31, 2022 on Form 10-K (File No.\n001-34972))\n10.37\u2020\nForm of Stock Option Agreement under the Third Amended and Restated Equity Incentive Plan of Booz Allen Hamilton Holding Corporation\n(Incorporated by reference to Exhibit 10.39 to the Company\u2019s Annual Report for the period ended March 31, 2023 on Form 10-K (File No. 001-34972))\n10.38\u2020\nForm of Restricted Stock Unit Agreement under the Third Amended and Restated Equity Incentive Plan of Booz Allen Hamilton Holding Corporation\n(Incorporated by reference to Exhibit 10.38 to the Company\u2019s Annual Report for the period ended March 31, 2023 on Form 10-K (File No. 001-34972))\n10.39\u2020\nForm of Performance Restricted Stock Unit Agreement under the Third Amended and Restated Equity Incentive Plan of Booz Allen Hamilton Holding\nCorporation (Incorporated by reference to Exhibit 10.40 to the Company\u2019s Annual Report for the period ended March 31, 2023 on Form 10-K (File No.\n001-34972))\n10.40\u2020\nForm of Stock Option Agreement \nunder the 2023 Equity Incentive Plan of Booz Allen Hamilton Holding Corporation\n (Incorporated by reference to Exhibit\n10.\n8\n to the Company\u2019s Quarterly Report for the period ended September 30, 2023 on Form 10-Q (File No. 001-34972))\n10.41\u2020\nForm of Restricted Stock Unit Agreement under the \n2023\n Equity Incentive Plan of Booz Allen Hamilton Holding Corporation\n (Incorporated by reference\nto Exhibit 10.\n5\n to the Company\u2019s Quarterly Report for the period ended \nSeptember 30, 2023\n on Form 10-Q (File No. 001-34972))\n10.42\u2020\nForm of Performance Restricted Stock Unit Agreement \nunder the 2023 Equity Incentive Plan of Booz Allen Hamilton Holding Corporation\n (Incorporated\nby reference to Exhibit 10.\n7\n to the Company\u2019s Quarterly Report for the period ended September 30, 2023 on Form 10-Q (File No. 001-34972))\n10.43\u2020\nForm of Restricted Stock \nAgreement for Directors under the \n2023\n Equity Incentive Plan of Booz Allen Hamilton Holding Corporation (Incorporated by\nreference to Exhibit 10.\n6\n to the Company's Quarterly Report for the period ended September 30, 202\n3\n on Form 10-Q (File No.", "f777c985-02a6-4f0a-96d2-fb88fd4e4a34": "5\n to the Company\u2019s Quarterly Report for the period ended \nSeptember 30, 2023\n on Form 10-Q (File No. 001-34972))\n10.42\u2020\nForm of Performance Restricted Stock Unit Agreement \nunder the 2023 Equity Incentive Plan of Booz Allen Hamilton Holding Corporation\n (Incorporated\nby reference to Exhibit 10.\n7\n to the Company\u2019s Quarterly Report for the period ended September 30, 2023 on Form 10-Q (File No. 001-34972))\n10.43\u2020\nForm of Restricted Stock \nAgreement for Directors under the \n2023\n Equity Incentive Plan of Booz Allen Hamilton Holding Corporation (Incorporated by\nreference to Exhibit 10.\n6\n to the Company's Quarterly Report for the period ended September 30, 202\n3\n on Form 10-Q (File No. 001-34972))\n10.44\u2020\nForm of Stock Option Agreement under the 2023 Equity Incentive Plan of Booz Allen Hamilton Holding Corporation*\n10.45\u2020\nForm of Restricted Stock Unit Agreement under the 2023 Equity Incentive Plan of Booz Allen Hamilton Holding Corporation*\n10.46\u2020\nForm of Performance Restricted Stock Unit Agreement under the 2023 Equity Incentive Plan of Booz Allen Hamilton Holding Corporation*\n10.47\u2020\nForm of Special Performance Restricted Stock Unit Agreement under the 2023 Equity Incentive Plan of Booz Allen Hamilton Holding Corporation*\n10.48\nBooz Allen Hamilton Holding Corporation Insider Trading Policy*\n21\nSubsidiaries of the registrant*\n22\nList of Guarantors and Subsidiary Issuers of Guaranteed Securities*\n23\nConsent of Independent Registered Public Accounting Firm*\n31.1\nRule 13a-14(a)/15d-14(a) Certification of the Chief Executive Officer*\n31.2\nRule 13a-14(a)/15d-14(a) Certification of the Chief Financial Officer*\n32.1\nCertification of the Chief Executive Officer required by Rule 13a-14(b) or Rule 15d-14(b) and Section 1350 of Chapter 63 of Title 18 of the United States\nCode (18 U.S.C. 1350)*\n80", "3c038b13-9658-464e-9a67-384e5d95691e": "32.2\nCertification of the Chief Financial Officer required by Rule 13a-14(b) or Rule 15d-14(b) and Section 1350 of Chapter 63 of Title 18 of the United States\nCode (18 U.S.C. 1350)*\n97\nBooz Allen Hamilton Holding Corporation Rule 10D-1 Clawback Policy*\n101\nThe following materials from Booz Allen Hamilton Holding Corporation\u2019s Annual Report on Form 10-K for the fiscal year ended March 31, 2024, formatted\nin Inline XBRL (eXtensible Business Reporting Language): (i) Consolidated Balance Sheets as of March 31, 2024 and 2023; (ii) Consolidated Statements\nof Operations for the fiscal years ended March 31, 2024, 2023 and 2022; (iii) Consolidated Statements of Comprehensive Income for the fiscal years ended\nMarch 31, 2024, 2023 and 2022; (iv) Consolidated Statements of Cash Flows for the fiscal years ended March 31, 2024, 2023 and 2022; (v) Consolidated\nStatements of Stockholders' Equity for the fiscal years ended March 31, 2024, 2023 and 2022; and (vi) Notes to Consolidated Financial Statements.\n104\nCover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101)\n___________________________________\n* Filed electronically herewith.\n\u2020 Management contract or compensatory arrangement.\nItem 16\n. \nForm 10-K Summary.\n None.\n81", "993eca10-7cf3-4407-b953-fee5200b1d0e": "SIGNATURES\nPursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the\nundersigned, thereunto duly authorized on this 24th day of May, 2024.\n \nBOOZ ALLEN HAMILTON HOLDING CORPORATION\n(Registrant)\nBy:\n \n/s/ Horacio D. Rozanski\n \nName: Horacio D. Rozanski\n \nTitle: President and Chief Executive Officer\nPursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed by the following persons in the capacities and on the dates indicated.\nSignature\nTitle\n \nDate\n/s/ Horacio D. Rozanski\nPresident, Chief Executive Officer and Director (Principal\nExecutive Officer)\n \nMay 24, 2024\nHoracio D. Rozanski\n/s/ Matthew A. Calderone\nExecutive Vice President and Chief Financial Officer (Principal\nFinancial Officer)\n \nMay 24, 2024\nMatthew A. Calderone\n/s/ Ralph W. Shrader\nChairman of the Board\nMay 24, 2024\nRalph W. Shrader\n/s/ Joan Lordi C. Amble\nDirector\n \nMay 24, 2024\nJoan Lordi C. Amble\n/s/ Melody C. Barnes\nDirector\n \nMay 24, 2024\nMelody C. Barnes\n/s/ Mich\u00e8le A. Flournoy\nDirector\n \nMay 24, 2024\nMich\u00e8le A. Flournoy\n/s/ Mark E. Gaumond\nDirector\n \nMay 24, 2024\nMark E. Gaumond\n/s/ Ellen Jewett\nDirector\n \nMay 24, 2024\nEllen Jewett\n/s/ Arthur E. Johnson\nDirector\n \nMay 24, 2024\nArthur E. Johnson\n/s/ Gretchen W. McClain\nDirector\n \nMay 24, 2024\nGretchen W. McClain\n/s/ Rory P. Read\nDirector\n \nMay 24, 2024\nRory P. Read\n/s/ Charles O. Rossotti\nDirector\n \nMay 24, 2024\nCharles O. Rossotti\n/s/ William M. Thornberry\nDirector\nMay 24, 2024\nWilliam M. Thornberry\n82" }, "relevant_docs": { "7618f000-3054-4d61-bdf8-3a7b6befdfb7": [ "e22f50b6-3164-4bea-88ea-de3ede687ca3" ], "a2db48de-654a-4a8a-85a0-3a66a131056b": [ "e22f50b6-3164-4bea-88ea-de3ede687ca3" ], "d7e0f043-0f80-48b5-94b0-f0f155a819fb": [ "e22f50b6-3164-4bea-88ea-de3ede687ca3" ], "896510fe-5c7b-4b9f-86c1-e07bf2da4039": [ "e22f50b6-3164-4bea-88ea-de3ede687ca3" ], "769e9fdc-1939-40b3-97f5-5bfd61a3b549": [ "e22f50b6-3164-4bea-88ea-de3ede687ca3" ], "ff0e45e5-4b93-4af5-a3f7-41f92e193f43": [ "e22f50b6-3164-4bea-88ea-de3ede687ca3" ], "28c6f616-0280-40ae-9174-ffbb1b3ae09c": [ "e22f50b6-3164-4bea-88ea-de3ede687ca3" ], "e8a32f02-f941-4472-8f8a-80226fa4a248": [ "e22f50b6-3164-4bea-88ea-de3ede687ca3" ], "8b99734e-9619-4c36-aa70-92de94d5eab6": [ "e22f50b6-3164-4bea-88ea-de3ede687ca3" ], "746d0e07-e851-4b7b-bf29-b792bcc80884": [ "e22f50b6-3164-4bea-88ea-de3ede687ca3" ], "8a6474f3-b0a9-4330-b552-e0b681c7d5fa": [ "662ef0aa-2ac9-472c-a00a-7df6d7aba746" ], "b180c5a5-6135-48c5-a309-bd5c76f68548": [ "662ef0aa-2ac9-472c-a00a-7df6d7aba746" ], "0f400fe6-5186-4feb-9f72-713964be8039": [ "662ef0aa-2ac9-472c-a00a-7df6d7aba746" ], "ae5f0f7a-b8a5-49b9-a946-6331402166dc": [ "662ef0aa-2ac9-472c-a00a-7df6d7aba746" ], "b52b8b4b-7e87-422f-a6b3-f2d376923055": [ "662ef0aa-2ac9-472c-a00a-7df6d7aba746" ], "8a257001-3460-4df8-9a52-e69a3cc74019": [ "662ef0aa-2ac9-472c-a00a-7df6d7aba746" ], "69102020-3915-48b2-ae0c-ddc6d80cf6aa": [ "662ef0aa-2ac9-472c-a00a-7df6d7aba746" ], "73b1ffb9-3d24-496f-add9-df72c663d636": [ "662ef0aa-2ac9-472c-a00a-7df6d7aba746" ], "6d34e1b1-6437-46eb-a4e1-008fda6cbd78": [ "662ef0aa-2ac9-472c-a00a-7df6d7aba746" ], "7bd57e9c-4381-45a4-a51a-aa28d765ac59": [ "662ef0aa-2ac9-472c-a00a-7df6d7aba746" ], "5264c6b0-e308-49fd-a1d4-ec7c88ba22aa": [ "dfa078d9-0d8d-4a73-8daa-fe3c3ca2b4aa" ], "70788f49-bfaa-4737-8849-115881bdc4be": [ "dfa078d9-0d8d-4a73-8daa-fe3c3ca2b4aa" ], "7d61b3ea-5ae8-4296-a6ab-37c95d826ce3": [ "dfa078d9-0d8d-4a73-8daa-fe3c3ca2b4aa" ], "6c75da22-f29c-45f4-bd71-adfc75cc88de": [ "dfa078d9-0d8d-4a73-8daa-fe3c3ca2b4aa" ], "64344292-cc5f-4513-ac7d-ae8b1af9ea13": [ "dfa078d9-0d8d-4a73-8daa-fe3c3ca2b4aa" ], "4ebf4d75-1255-4f49-bc0c-2106a8b505a2": [ "dfa078d9-0d8d-4a73-8daa-fe3c3ca2b4aa" ], "e939fc5a-5d6c-47d3-8a46-a93a2a2b27c7": [ "dfa078d9-0d8d-4a73-8daa-fe3c3ca2b4aa" ], "4d1decd5-5b6a-4717-8f10-2b13a7aef31f": [ "dfa078d9-0d8d-4a73-8daa-fe3c3ca2b4aa" ], "e7526e7c-4f9b-4151-adf2-850a7d472d06": [ "dfa078d9-0d8d-4a73-8daa-fe3c3ca2b4aa" ], "aec16e8b-26e6-4507-aad3-2626c21eaaa7": [ "dfa078d9-0d8d-4a73-8daa-fe3c3ca2b4aa" ], "9cdb1639-cf71-4f47-adf3-a02ff3830b96": [ "0d542db3-a2b2-4214-a1c1-20292ee05109" ], "e32ea4e5-fc76-4427-b13d-6e107dc22335": [ "0d542db3-a2b2-4214-a1c1-20292ee05109" ], "fcb29902-17da-4ba3-be4d-5ee783deecde": [ "0d542db3-a2b2-4214-a1c1-20292ee05109" ], "babd9eb3-2525-457f-b192-80d964c21ab9": [ "0d542db3-a2b2-4214-a1c1-20292ee05109" ], "d9652951-ee06-4b75-9f32-fdca359ea308": [ "0d542db3-a2b2-4214-a1c1-20292ee05109" ], "dcf89200-eac5-460f-b417-f7ee60471405": [ "0d542db3-a2b2-4214-a1c1-20292ee05109" ], "52109f83-e0a6-4cb4-83c6-a2a44dd87f9c": [ "0d542db3-a2b2-4214-a1c1-20292ee05109" ], "417eb877-4f8d-48d7-b0c7-54db877c6753": [ "0d542db3-a2b2-4214-a1c1-20292ee05109" ], "89186e1e-270b-4470-af52-2d6bd5f255b1": [ "0d542db3-a2b2-4214-a1c1-20292ee05109" ], "aa60ff02-1b7b-4cd4-87bf-700e71eee5c8": [ "0d542db3-a2b2-4214-a1c1-20292ee05109" ], "e7919264-9774-4156-affd-45e75e9311cd": [ "6adfd84c-74cc-4147-a34f-4f49734b2e8c" ], "52090e4b-5eda-4eea-8433-9d31d1b10131": [ "6adfd84c-74cc-4147-a34f-4f49734b2e8c" ], "dbfde805-baa1-4ae9-a685-f323ce6f3609": [ "6adfd84c-74cc-4147-a34f-4f49734b2e8c" ], "39c9f2b8-c358-4b18-8665-d3a6972942ed": [ "6adfd84c-74cc-4147-a34f-4f49734b2e8c" ], "cd836242-4220-498f-bb3a-e5fe859e2396": [ "6adfd84c-74cc-4147-a34f-4f49734b2e8c" ], "c2c12d7d-8d3a-400a-86d0-3c7f6799d9ea": [ "6adfd84c-74cc-4147-a34f-4f49734b2e8c" ], "83792b42-d6d6-43af-b95f-b36f8db6de36": [ "6adfd84c-74cc-4147-a34f-4f49734b2e8c" ], "157bd126-c1b5-424b-a7b9-f5aa8e9e8259": [ "6adfd84c-74cc-4147-a34f-4f49734b2e8c" ], "28b487a1-5fd2-42cd-9a6b-a0cc33720503": [ "6adfd84c-74cc-4147-a34f-4f49734b2e8c" ], "bb53652a-8d6e-490a-a720-98054329a208": [ "6adfd84c-74cc-4147-a34f-4f49734b2e8c" ], "9df20b74-9f25-4fb0-a9d1-fd7666da37be": [ "241e8ec1-ae50-446a-b263-9ffed2161811" ], "6f57c66e-2f43-4109-b324-5126d12de01b": [ "241e8ec1-ae50-446a-b263-9ffed2161811" ], "59df4853-1bc2-442d-8216-714e9255ac38": [ "241e8ec1-ae50-446a-b263-9ffed2161811" ], "939f2ea6-a908-4fa6-813d-d8e760f6c715": [ "241e8ec1-ae50-446a-b263-9ffed2161811" ], "dc4d8880-b33d-4944-9682-2451c02fef1f": [ "241e8ec1-ae50-446a-b263-9ffed2161811" ], "faa295f9-2d4d-4d4b-a9a2-73e294f7eb49": [ "241e8ec1-ae50-446a-b263-9ffed2161811" ], "f63726de-7a25-4084-9488-722ee80404ba": [ "241e8ec1-ae50-446a-b263-9ffed2161811" ], "89dc5e12-7b5b-4cf3-8065-e85a4045e705": [ "241e8ec1-ae50-446a-b263-9ffed2161811" ], "4ce3af9d-c634-448c-a42f-fdc08e0f6b92": [ "241e8ec1-ae50-446a-b263-9ffed2161811" ], "223dcebd-69ee-4e28-9880-335a8c3aa627": [ "241e8ec1-ae50-446a-b263-9ffed2161811" ], "9f40674c-23b9-4ef5-ac3e-48f0d40c678f": [ "560fc8b2-6c3f-4aae-9fcb-31cdb92d3d7f" ], "e7520099-fd0e-482e-8ec7-56a7275e72e6": [ "560fc8b2-6c3f-4aae-9fcb-31cdb92d3d7f" ], "86e824aa-5cc1-42c1-b786-1d06972e7d7c": [ "560fc8b2-6c3f-4aae-9fcb-31cdb92d3d7f" ], "099c6407-483a-4c1c-9c22-370c559f85d3": [ "560fc8b2-6c3f-4aae-9fcb-31cdb92d3d7f" ], "e940566d-5593-49c5-b64e-49961945579a": [ "560fc8b2-6c3f-4aae-9fcb-31cdb92d3d7f" ], "5be25ec1-018d-438d-9398-521b634e3226": [ "560fc8b2-6c3f-4aae-9fcb-31cdb92d3d7f" ], "f0310a9d-5a57-4e7c-8873-ea1c2fd440f4": [ "560fc8b2-6c3f-4aae-9fcb-31cdb92d3d7f" ], "e75d29e0-3450-49f7-b5fa-b969a5c3d029": [ "560fc8b2-6c3f-4aae-9fcb-31cdb92d3d7f" ], "fdac868e-864f-43de-a04e-76fa43a48827": [ "560fc8b2-6c3f-4aae-9fcb-31cdb92d3d7f" ], "b2463b78-5b47-4c02-ba22-710723b0d2a2": [ "560fc8b2-6c3f-4aae-9fcb-31cdb92d3d7f" ], "c21fe8e0-68dd-4490-836e-d365b73aa7d9": [ "6725c59d-f970-4dd8-8fb7-45a491222fd6" ], "bf60fe1f-4b50-4da0-91f5-f11e5000aeb1": [ "6725c59d-f970-4dd8-8fb7-45a491222fd6" ], "b912d07e-1118-4a05-8625-e3278df679c0": [ "6725c59d-f970-4dd8-8fb7-45a491222fd6" ], "b1b49cd5-4138-4e87-bf0a-6b22b599eb16": [ "6725c59d-f970-4dd8-8fb7-45a491222fd6" ], "5461d70c-b726-49b5-b788-2f6bce567a63": [ "6725c59d-f970-4dd8-8fb7-45a491222fd6" ], "39c71d58-7806-4418-a822-714aadd55507": [ "6725c59d-f970-4dd8-8fb7-45a491222fd6" ], "2348bd77-0341-4723-b47e-84f2a7be7571": [ "6725c59d-f970-4dd8-8fb7-45a491222fd6" ], "23020f46-b509-47e7-80b3-8698c3b4ba1f": [ "6725c59d-f970-4dd8-8fb7-45a491222fd6" ], "c10f0fa2-481a-43bd-9eee-c7b990eb646c": [ "6725c59d-f970-4dd8-8fb7-45a491222fd6" ], "2a302100-1bde-4176-91b6-494c76337dd5": [ "6725c59d-f970-4dd8-8fb7-45a491222fd6" ], "972f6738-02d3-4524-b2ce-5a6cbdc310f2": [ "2d6f0436-3c78-4f6c-9b7a-2f3292638c6a" ], "1ccd613b-2499-49f6-a20c-6c532dd57d3b": [ "2d6f0436-3c78-4f6c-9b7a-2f3292638c6a" ], "c0e3ea84-f1e4-4079-90d7-b0cdc3452ac0": [ "2d6f0436-3c78-4f6c-9b7a-2f3292638c6a" ], "3f32a3ea-b867-435c-89d1-0895e11bb5bc": [ "2d6f0436-3c78-4f6c-9b7a-2f3292638c6a" ], "d3f4fbb0-bf46-4917-a3ef-8cc94e3c6871": [ "2d6f0436-3c78-4f6c-9b7a-2f3292638c6a" ], "cd2415d7-69f8-4e10-8b11-94311beba83c": [ "2d6f0436-3c78-4f6c-9b7a-2f3292638c6a" ], "3980154a-8fb7-4274-b1aa-c10391dafd14": [ "2d6f0436-3c78-4f6c-9b7a-2f3292638c6a" ], "587e44bf-4725-4f8a-b541-980997c4ec30": [ "2d6f0436-3c78-4f6c-9b7a-2f3292638c6a" ], "33c35409-c578-4616-9d57-f61aa95d78e4": [ "2d6f0436-3c78-4f6c-9b7a-2f3292638c6a" ], "fdfaba0c-bce2-4331-9e11-8f04f6a9f93b": [ "2d6f0436-3c78-4f6c-9b7a-2f3292638c6a" ], "cf00a345-4659-4619-8b28-c2e483dbaf4d": [ "da70a640-b7f7-4f70-b4a7-1428edf78746" ], "3c6790e6-0eed-46d4-9dde-f4021d447be0": [ "da70a640-b7f7-4f70-b4a7-1428edf78746" ], "16914a9e-5b3a-4b22-85fe-652d0386b00a": [ "da70a640-b7f7-4f70-b4a7-1428edf78746" ], "3f1841f3-d0a8-428c-9caa-2d623a105a74": [ "da70a640-b7f7-4f70-b4a7-1428edf78746" ], "aafe0188-fd7d-4866-b244-fa2cf2653301": [ "da70a640-b7f7-4f70-b4a7-1428edf78746" ], "b8ecc298-8303-45e1-ab12-6a12cb351c4e": [ "da70a640-b7f7-4f70-b4a7-1428edf78746" ], "fde5c2f7-0ff4-4351-b0dc-7f847236ce29": [ "da70a640-b7f7-4f70-b4a7-1428edf78746" ], "70fbc18b-af73-44fb-bb45-157a0140814c": [ "da70a640-b7f7-4f70-b4a7-1428edf78746" ], "4158771e-4050-44c4-96ae-57dc1239da37": [ "da70a640-b7f7-4f70-b4a7-1428edf78746" ], "dbec5ece-b2df-4abc-9d3a-cde00d3a66ad": [ "da70a640-b7f7-4f70-b4a7-1428edf78746" ], "08c1420d-8dc5-4c47-a7ec-c4e8110b3add": [ "049235cc-d54f-483c-b694-ece5e8fa4a02" ], "ca20551b-23b5-4f7b-b1ac-1327b2f4284d": [ "049235cc-d54f-483c-b694-ece5e8fa4a02" ], "67b57c49-01a5-4100-a8dc-40f6e0a10500": [ "049235cc-d54f-483c-b694-ece5e8fa4a02" ], "d9ea34ef-c293-4eaa-b1e9-f4d96a14fcee": [ "049235cc-d54f-483c-b694-ece5e8fa4a02" ], "1da77b70-e9f9-4d7e-904b-327771369bcb": [ "049235cc-d54f-483c-b694-ece5e8fa4a02" ], "50a9e701-d24e-47b5-8d0b-6dba06945851": [ "049235cc-d54f-483c-b694-ece5e8fa4a02" ], "db1b7bbd-9fd2-44b8-b715-610775d32bd3": [ "049235cc-d54f-483c-b694-ece5e8fa4a02" ], "9c9fc446-778a-4679-9108-f1fde313da57": [ "049235cc-d54f-483c-b694-ece5e8fa4a02" ], "1590c620-34c9-42e2-b1c7-24f11b5dbe22": [ "049235cc-d54f-483c-b694-ece5e8fa4a02" ], "16e910cd-06d3-4788-a0fa-24b8f86c3895": [ "049235cc-d54f-483c-b694-ece5e8fa4a02" ], "d47d0ede-d536-4556-8689-7ab471f00cd7": [ "1aec32d4-fc72-4e1d-a250-7bc2d4ccc110" ], "fa99ad67-88b6-4910-8bbe-5deaa63dbb30": [ "1aec32d4-fc72-4e1d-a250-7bc2d4ccc110" ], "5c0ce1c7-a208-4f6a-b097-b97540acd037": [ "1aec32d4-fc72-4e1d-a250-7bc2d4ccc110" ], "a967c774-c498-4bbd-9cbc-5dc406e03aed": [ "1aec32d4-fc72-4e1d-a250-7bc2d4ccc110" ], "3a5fddf5-136e-47d0-a0d1-e7e4520efa95": [ "1aec32d4-fc72-4e1d-a250-7bc2d4ccc110" ], "7d82b2ac-599e-4a26-aaa4-d0170e8e1ab4": [ "1aec32d4-fc72-4e1d-a250-7bc2d4ccc110" ], "6e1b855b-cd58-484f-9994-33ea0f345999": [ "1aec32d4-fc72-4e1d-a250-7bc2d4ccc110" ], "ac7767af-bca9-4c95-ade9-f08023601b80": [ "1aec32d4-fc72-4e1d-a250-7bc2d4ccc110" ], "43ec2042-7380-43ab-b96d-0672499d7d51": [ "1aec32d4-fc72-4e1d-a250-7bc2d4ccc110" ], "51a23c26-1282-4ea8-8aab-16490b5c5d21": [ "1aec32d4-fc72-4e1d-a250-7bc2d4ccc110" ], "381e77ff-925a-4946-9b18-fa45ef763151": [ "87c19301-8476-413f-8c02-4b0d059d670b" ], "7b9846ba-958c-4a50-8473-0e18b931cdcd": [ "87c19301-8476-413f-8c02-4b0d059d670b" ], "cef9914b-aeba-4f6f-8950-5d2c3dd275e5": [ "87c19301-8476-413f-8c02-4b0d059d670b" ], "baf48ab1-66fd-4ce8-886b-8a48a887bd5b": [ "87c19301-8476-413f-8c02-4b0d059d670b" ], "968d1f2e-ba64-40b5-91cb-67a50beb2601": [ "87c19301-8476-413f-8c02-4b0d059d670b" ], "a34f90a6-76fc-4afe-9e1e-ef0b03939ae3": [ "87c19301-8476-413f-8c02-4b0d059d670b" ], "e488c6ca-7352-49d2-9600-9659459bf438": [ "87c19301-8476-413f-8c02-4b0d059d670b" ], "d1c38a48-d090-4cff-a85e-17e708fa05ab": [ "87c19301-8476-413f-8c02-4b0d059d670b" ], "f879cade-2762-40ae-8eaa-0917d58cfe12": [ "87c19301-8476-413f-8c02-4b0d059d670b" ], "b8d0cdc8-7dfa-4add-bf38-bbf879eb49fc": [ "87c19301-8476-413f-8c02-4b0d059d670b" ], "b76f8fca-fb64-4c37-b4cb-05a98035269e": [ "e95b4e92-259f-4e67-aed1-ccde1136a43d" ], "f2af7519-2241-4bdc-a3bf-3e70767d479d": [ "e95b4e92-259f-4e67-aed1-ccde1136a43d" ], "0edc8085-02e9-444c-8a98-3b1ede6cd5cf": [ "e95b4e92-259f-4e67-aed1-ccde1136a43d" ], "3cf4238d-ee3d-4f07-bf23-30b453458ca1": [ "e95b4e92-259f-4e67-aed1-ccde1136a43d" ], "e6c88714-d462-4675-80e1-86cdc11e6704": [ "e95b4e92-259f-4e67-aed1-ccde1136a43d" ], "c0e00a0e-3f6a-43fc-b4c8-467df031f583": [ "e95b4e92-259f-4e67-aed1-ccde1136a43d" ], "317c8857-2bfe-4b02-8181-54b80f964322": [ "e95b4e92-259f-4e67-aed1-ccde1136a43d" ], "ce6123ea-80a8-48ff-8367-535be8273618": [ "e95b4e92-259f-4e67-aed1-ccde1136a43d" ], "52663d3b-51ff-4683-b771-620d1730a168": [ "e95b4e92-259f-4e67-aed1-ccde1136a43d" ], "7b907051-2a0a-4c5e-9584-1d51269482bf": [ "e95b4e92-259f-4e67-aed1-ccde1136a43d" ], "1df0b3f8-877a-4121-a6dd-8fdab917d03d": [ "ba7010e9-33a4-4336-a602-780e882e5a4b" ], "e6f4fa24-6792-4d6f-9153-2169dd0449fa": [ "ba7010e9-33a4-4336-a602-780e882e5a4b" ], "20262b03-c267-4f55-821e-6e226c60948b": [ "ba7010e9-33a4-4336-a602-780e882e5a4b" ], "fb138a26-aa2e-437c-a56a-ca1db0af1428": [ "ba7010e9-33a4-4336-a602-780e882e5a4b" ], "fd9ae0d5-a990-4074-98bd-59ba9ce377bf": [ "ba7010e9-33a4-4336-a602-780e882e5a4b" ], "e2b10eaa-d6d9-477e-a8f8-fd7e6f82c06f": [ "ba7010e9-33a4-4336-a602-780e882e5a4b" ], "0891911e-a3ef-4bdf-b388-083252789107": [ "ba7010e9-33a4-4336-a602-780e882e5a4b" ], "1f9651a3-de40-490d-a7c7-a38154efa8c1": [ "ba7010e9-33a4-4336-a602-780e882e5a4b" ], "28eb143c-0a5a-4fcc-aff7-766837876c5e": [ "ba7010e9-33a4-4336-a602-780e882e5a4b" ], "54ca8fd6-2449-43f7-8fb9-72bf60f24969": [ "ba7010e9-33a4-4336-a602-780e882e5a4b" ], "f5c56f9a-f765-49f0-bf49-ea3bc2a694da": [ "6927c10b-2dd9-4ba2-8c27-a28f49093720" ], "d04e6847-a3d6-4824-b758-4ed67d902b8e": [ "6927c10b-2dd9-4ba2-8c27-a28f49093720" ], "e7838e49-9e3f-4ba6-a874-9bee3c781065": [ "6927c10b-2dd9-4ba2-8c27-a28f49093720" ], "a1933fc0-6ce3-4502-a857-f2d040838690": [ "6927c10b-2dd9-4ba2-8c27-a28f49093720" ], "21902e47-3d1a-4c8d-b272-8344c0e6a1a8": [ "6927c10b-2dd9-4ba2-8c27-a28f49093720" ], "e56d5923-6291-4b00-a4b0-46c407b9e855": [ "6927c10b-2dd9-4ba2-8c27-a28f49093720" ], "359a0684-5029-400e-a3f7-49f8cee773ef": [ "6927c10b-2dd9-4ba2-8c27-a28f49093720" ], "72253615-2427-4e57-a1ef-a3a3d9219691": [ "6927c10b-2dd9-4ba2-8c27-a28f49093720" ], "b1c45e42-f6ab-41fe-9922-5b4c6e1db665": [ "6927c10b-2dd9-4ba2-8c27-a28f49093720" ], "164f8895-5c65-4cc3-988a-9aa0859f7a35": [ "6927c10b-2dd9-4ba2-8c27-a28f49093720" ], "2d36f3d2-d3fb-4ecf-aba8-cbadc7156d28": [ "ede64f8a-4651-46a4-b07c-8dde70695ada" ], "af084723-6f08-4d7f-825e-284e7691be2c": [ "ede64f8a-4651-46a4-b07c-8dde70695ada" ], "a0758c7c-8f9d-444e-9c28-ad0f12c72add": [ "ede64f8a-4651-46a4-b07c-8dde70695ada" ], "8cc13057-47b6-42d7-9001-1b32656ae405": [ "ede64f8a-4651-46a4-b07c-8dde70695ada" ], "ec1bd973-1b1d-4eea-9133-6a67eb0866bf": [ "ede64f8a-4651-46a4-b07c-8dde70695ada" ], "3241fb93-6d61-4929-8f2c-c8660548729b": [ "ede64f8a-4651-46a4-b07c-8dde70695ada" ], "eef72c3e-81db-4030-ade4-84e9f10f6952": [ "ede64f8a-4651-46a4-b07c-8dde70695ada" ], "144e5d4d-dbd2-4e54-9f0d-78966f27867b": [ "ede64f8a-4651-46a4-b07c-8dde70695ada" ], "a3211e1c-7d1d-4203-af29-85ae14b22db5": [ "ede64f8a-4651-46a4-b07c-8dde70695ada" ], "cefd4214-bef0-40c8-b056-cd3ea7b5a494": [ "ede64f8a-4651-46a4-b07c-8dde70695ada" ], "786e4fcf-4bf3-40b2-b6aa-d85a973fb742": [ "f374adc3-948e-42dc-8a11-625177956d08" ], "af861b73-e521-403a-b210-d2c9ee4d5e21": [ "f374adc3-948e-42dc-8a11-625177956d08" ], "d49a392e-0579-43cc-8408-04df00009998": [ "f374adc3-948e-42dc-8a11-625177956d08" ], "34498454-a7da-462a-8f94-51a8956c617d": [ "f374adc3-948e-42dc-8a11-625177956d08" ], "cfc23a02-df11-4c27-9507-f75be5a306ce": [ "f374adc3-948e-42dc-8a11-625177956d08" ], "eac3438d-80e3-47a9-bd02-4ef4e02edd31": [ "f374adc3-948e-42dc-8a11-625177956d08" ], "58e6ffd2-956c-4963-86de-5883635bcf9f": [ "f374adc3-948e-42dc-8a11-625177956d08" ], "1542d8d6-c5c9-4c9e-bf76-d205bad3f629": [ "f374adc3-948e-42dc-8a11-625177956d08" ], "85b6485d-326a-4f07-9eee-e86c848e3e23": [ "f374adc3-948e-42dc-8a11-625177956d08" ], "e16d3857-31cc-49b7-8a83-a8de77838a51": [ "f374adc3-948e-42dc-8a11-625177956d08" ], "02447f78-e8f1-4869-b27e-f8702105d4fb": [ "fc279478-f184-49ca-aa72-ea3d13e40290" ], "f6474907-7cd6-484c-bb6f-e11a2ac45a67": [ "fc279478-f184-49ca-aa72-ea3d13e40290" ], "c55a4f1c-32dd-49fd-8902-1420d3d18d0f": [ "fc279478-f184-49ca-aa72-ea3d13e40290" ], "4ea9defe-6a10-4b87-8284-7f814553cd2f": [ "fc279478-f184-49ca-aa72-ea3d13e40290" ], "b19f0f49-89c4-429a-bfcb-8e2ad1a81cb0": [ "fc279478-f184-49ca-aa72-ea3d13e40290" ], "99a06e84-8607-445f-b48c-f298183544db": [ "fc279478-f184-49ca-aa72-ea3d13e40290" ], "b2a4a951-9514-4727-b169-edd0f270953d": [ "fc279478-f184-49ca-aa72-ea3d13e40290" ], "d0df46bc-0086-4411-87b0-633d1c4ae648": [ "fc279478-f184-49ca-aa72-ea3d13e40290" ], "81746e4d-ea06-4f20-9704-e8dc542112ca": [ "fc279478-f184-49ca-aa72-ea3d13e40290" ], "9804b198-5170-4ff6-85bd-a60d6f086e53": [ "fc279478-f184-49ca-aa72-ea3d13e40290" ], "794ff61a-445b-493b-847d-4b3953d3717b": [ "fc7a8891-a923-4148-a742-3ae706d6a3e4" ], "a2003aa5-041a-4913-8061-7d8b623294d7": [ "fc7a8891-a923-4148-a742-3ae706d6a3e4" ], "bddb090b-293e-4fd8-b61e-9aa023fdd70c": [ "fc7a8891-a923-4148-a742-3ae706d6a3e4" ], "956fe9db-7cf5-44e6-8175-f4b53a36fd49": [ "fc7a8891-a923-4148-a742-3ae706d6a3e4" ], "44d29bd5-5e88-4cd3-8379-644cad332259": [ "fc7a8891-a923-4148-a742-3ae706d6a3e4" ], "3f83c838-5228-4891-b7e0-413f0a42616b": [ "fc7a8891-a923-4148-a742-3ae706d6a3e4" ], "c7345320-ec2c-48c6-9997-c7466dcd5bba": [ "fc7a8891-a923-4148-a742-3ae706d6a3e4" ], "edcabee4-8a53-4bf2-925d-ff1cb8853718": [ "fc7a8891-a923-4148-a742-3ae706d6a3e4" ], "798093d5-728b-4539-ba07-29af34554c40": [ "fc7a8891-a923-4148-a742-3ae706d6a3e4" ], "cb99023e-a4a8-41d6-a1f7-4552b2ce8c45": [ "fc7a8891-a923-4148-a742-3ae706d6a3e4" ], "aa510573-b37a-47a5-91e1-a8ab1afdf256": [ "58563a0e-ab47-46aa-918e-f57d4fd15a1d" ], "fe19e761-7c4c-4a43-9615-fbebe2d6d30e": [ "58563a0e-ab47-46aa-918e-f57d4fd15a1d" ], "7928c92a-d9d5-45a0-b329-0e0099360f40": [ "58563a0e-ab47-46aa-918e-f57d4fd15a1d" ], "dcd47597-ab67-4cbb-b612-bef3a39ac4c9": [ "58563a0e-ab47-46aa-918e-f57d4fd15a1d" ], "b2699665-b294-4c32-b535-c230b9a4bb4e": [ "58563a0e-ab47-46aa-918e-f57d4fd15a1d" ], "db24d43b-6e7c-43df-8bf3-aca562d293ed": [ "58563a0e-ab47-46aa-918e-f57d4fd15a1d" ], "224d59dc-2d73-401e-8f3a-20868d3a5e76": [ "58563a0e-ab47-46aa-918e-f57d4fd15a1d" ], "06800e57-3a93-4dd8-9b8f-2a90bea1a1e7": [ "58563a0e-ab47-46aa-918e-f57d4fd15a1d" ], "8f377af0-ec6d-4819-9bf1-042f4bfc27fa": [ "58563a0e-ab47-46aa-918e-f57d4fd15a1d" ], "79af37bf-5d18-45cd-9ba0-d01a9223b462": [ "58563a0e-ab47-46aa-918e-f57d4fd15a1d" ], "d35d2fad-4fa0-470b-a4be-be0d5b129642": [ "00a51bee-74cb-4496-8607-ea40ff30209a" ], "6876e6fd-737a-4e8f-8507-e1c4867bf7ce": [ "00a51bee-74cb-4496-8607-ea40ff30209a" ], "11e4bdc4-12dd-461b-b4db-93a96e3b438b": [ "00a51bee-74cb-4496-8607-ea40ff30209a" ], "2d116d61-4821-4c32-b733-9b30d21749a6": [ "00a51bee-74cb-4496-8607-ea40ff30209a" ], "2d4ac33c-1939-4921-9cd8-bb779540e212": [ "00a51bee-74cb-4496-8607-ea40ff30209a" ], "8939fadb-53f9-4849-983d-cd11ac64bd2c": [ "00a51bee-74cb-4496-8607-ea40ff30209a" ], "fd721aa6-4012-46d5-9bc7-657283b8b378": [ "00a51bee-74cb-4496-8607-ea40ff30209a" ], "d61b010a-158f-4b54-aebc-23bce5f8b8d2": [ "00a51bee-74cb-4496-8607-ea40ff30209a" ], "ec92dab8-abaf-4383-93b8-096c71ff3509": [ "00a51bee-74cb-4496-8607-ea40ff30209a" ], "70ea39b3-a615-427f-b58b-9a30d92d2773": [ "00a51bee-74cb-4496-8607-ea40ff30209a" ], "c9f11d6e-c4df-4f15-828b-f7b81e6f91a9": [ "5e053deb-3e52-4405-ab22-0013dc620d55" ], "103fe1dd-6e12-4622-8315-9d3c90ce70a4": [ "5e053deb-3e52-4405-ab22-0013dc620d55" ], "f1485d65-5052-44c3-ab88-36ffd62d7fe3": [ "5e053deb-3e52-4405-ab22-0013dc620d55" ], "4c073d92-47a0-4d6c-97d9-fbfdb348e9c2": [ "5e053deb-3e52-4405-ab22-0013dc620d55" ], "9aad1689-96a6-493f-97f8-272a24ba6b94": [ "5e053deb-3e52-4405-ab22-0013dc620d55" ], "4849f06d-2090-4678-b0aa-71ee896da9b0": [ "5e053deb-3e52-4405-ab22-0013dc620d55" ], "bae76e98-e93a-4f5e-b297-445d7657b2f9": [ "5e053deb-3e52-4405-ab22-0013dc620d55" ], "8a8d40d9-3209-4ca1-bd32-ac4fcfd6de3f": [ "5e053deb-3e52-4405-ab22-0013dc620d55" ], "c3021e1a-cb5e-4cf2-bb31-e1f4597353c4": [ "5e053deb-3e52-4405-ab22-0013dc620d55" ], "f8b76f0e-8a47-40ed-97c6-7a428ee521b3": [ "5e053deb-3e52-4405-ab22-0013dc620d55" ], "5a09e3fe-140d-4882-8784-e847ed944c4b": [ "d5a2ac36-8463-438b-abdc-11328246f3a8" ], "f6179242-60a7-4a29-9e2b-a9eb9e113799": [ "d5a2ac36-8463-438b-abdc-11328246f3a8" ], "2b37d598-3cf7-4986-afc8-2fd53e086156": [ "d5a2ac36-8463-438b-abdc-11328246f3a8" ], "91d5b8f3-107a-48f5-9864-f06c16ae028d": [ "d5a2ac36-8463-438b-abdc-11328246f3a8" ], "970986d5-c63d-4bbd-a7c5-918e475bd871": [ "d5a2ac36-8463-438b-abdc-11328246f3a8" ], "ebd9f5a8-fed5-4e14-be17-c901f6db21ee": [ "d5a2ac36-8463-438b-abdc-11328246f3a8" ], "be0f6948-0c4a-4ec3-88d8-876a3ef23271": [ "d5a2ac36-8463-438b-abdc-11328246f3a8" ], "669a0b1b-66c8-467b-940b-a2cc7b062e63": [ "d5a2ac36-8463-438b-abdc-11328246f3a8" ], "88c7d77f-cd6d-49a6-984a-c4e896452c4e": [ "d5a2ac36-8463-438b-abdc-11328246f3a8" ], "17404473-2728-45ac-99ae-ae23bbad38fd": [ "d5a2ac36-8463-438b-abdc-11328246f3a8" ], "200a7617-4d9b-4977-8668-99b2e0eba3e3": [ "def26782-38fc-4ede-b696-cfb6a41d77d4" ], "019518ea-75ee-454f-83b6-be3b6cdff849": [ "def26782-38fc-4ede-b696-cfb6a41d77d4" ], "e54a8f03-3bdd-4bb3-874e-fb985f98c3d3": [ "def26782-38fc-4ede-b696-cfb6a41d77d4" ], "fc6968b9-2492-42e4-8df1-93e931b81f8c": [ "def26782-38fc-4ede-b696-cfb6a41d77d4" ], "a964b87a-6d88-417d-ae50-1d82476d6225": [ "def26782-38fc-4ede-b696-cfb6a41d77d4" ], "5e26daf3-5730-4431-bf6b-2a1c52c16834": [ "def26782-38fc-4ede-b696-cfb6a41d77d4" ], "669aa4f6-68b6-4db7-9cdd-31bdf2fc7fbe": [ "def26782-38fc-4ede-b696-cfb6a41d77d4" ], "5bbc9d12-221e-4ba1-ad77-892c414fed94": [ "def26782-38fc-4ede-b696-cfb6a41d77d4" ], "1b8b98af-bb14-4749-b427-b102b6f0be12": [ "def26782-38fc-4ede-b696-cfb6a41d77d4" ], "fe9a878a-3226-4c7b-8955-e594006a3234": [ "def26782-38fc-4ede-b696-cfb6a41d77d4" ], "cb38a4a8-8333-4639-b7ab-d15ce96139cb": [ "40769335-bcac-42d8-b58b-07a7e12aef98" ], "49286001-98c4-4359-b0ed-8eea36a0e856": [ "40769335-bcac-42d8-b58b-07a7e12aef98" ], "2ef51477-ea3e-467b-b358-b866f1aa49c3": [ "40769335-bcac-42d8-b58b-07a7e12aef98" ], "5430ec29-2d4a-4b58-ad28-91ff46e2faa5": [ "40769335-bcac-42d8-b58b-07a7e12aef98" ], "be84463d-d9a0-4fd5-a797-4de9cedcb437": [ "40769335-bcac-42d8-b58b-07a7e12aef98" ], "3d3fbd15-c8bc-449a-b6fc-e9df041b08ab": [ "40769335-bcac-42d8-b58b-07a7e12aef98" ], "a0d9ada6-c391-4ce0-9090-baea40739bcf": [ "40769335-bcac-42d8-b58b-07a7e12aef98" ], "24e5f566-d372-4a7f-8f86-d75d124e7163": [ "40769335-bcac-42d8-b58b-07a7e12aef98" ], "1361ec57-955f-4e57-8206-d8a463700431": [ "40769335-bcac-42d8-b58b-07a7e12aef98" ], "8ae64eac-0cb7-44b3-b2a6-12c3fd79a8e6": [ "40769335-bcac-42d8-b58b-07a7e12aef98" ], "28c4f123-d7c1-43df-99c0-c08d8f21279c": [ "f98f2b5e-663c-499b-ae4b-9313e8006312" ], "c4a6da47-aa97-4f3b-b56b-92bf3c840f9a": [ "f98f2b5e-663c-499b-ae4b-9313e8006312" ], "9500fa8c-ac0c-453f-ab2d-46d8ba8447ce": [ "f98f2b5e-663c-499b-ae4b-9313e8006312" ], "bdc8cf1c-da57-4d22-a93b-c4c8317cbc81": [ "f98f2b5e-663c-499b-ae4b-9313e8006312" ], "5f93d20e-d2c2-49be-9f40-8bc3cd83c2a0": [ "f98f2b5e-663c-499b-ae4b-9313e8006312" ], "33687a91-97f7-4c4f-842c-9b1e3c1008fa": [ "f98f2b5e-663c-499b-ae4b-9313e8006312" ], "1cea73f1-766d-4057-84d9-b08824463234": [ "f98f2b5e-663c-499b-ae4b-9313e8006312" ], "5c72d37d-d52e-4014-aaf9-4c44f851374d": [ "f98f2b5e-663c-499b-ae4b-9313e8006312" ], "9ca36646-06f5-4a76-9fdd-ccb11f782a52": [ "f98f2b5e-663c-499b-ae4b-9313e8006312" ], "72995fae-252f-427e-adf7-f96fd365e88c": [ "f98f2b5e-663c-499b-ae4b-9313e8006312" ], "9c793c60-ea73-4931-a9ea-0b1e73ef1d4b": [ "766e9b60-079b-466c-b5f4-26ea7b538f92" ], "8e5c92b4-2dae-4885-b48d-7d65826b07ca": [ "766e9b60-079b-466c-b5f4-26ea7b538f92" ], "db84523a-e624-40f2-a576-386b7bb3b376": [ "766e9b60-079b-466c-b5f4-26ea7b538f92" ], "2136b06f-eafc-4095-80fc-0550c1a60225": [ "766e9b60-079b-466c-b5f4-26ea7b538f92" ], "877ffe0c-3f60-4e92-8495-75a9865015bd": [ "766e9b60-079b-466c-b5f4-26ea7b538f92" ], "d030f5ca-d4a3-4537-8209-28f6fb7e75d9": [ "766e9b60-079b-466c-b5f4-26ea7b538f92" ], "fbd44a92-b33b-429b-b047-e4c98f43aa65": [ "766e9b60-079b-466c-b5f4-26ea7b538f92" ], "5a05bf17-d248-478f-a0fc-d3524fb86c2d": [ "766e9b60-079b-466c-b5f4-26ea7b538f92" ], "359182c3-8845-4367-afe3-2d9b1fa5d7c6": [ "766e9b60-079b-466c-b5f4-26ea7b538f92" ], "95c20f6f-32e3-41ef-a1e7-2d4a7a5a0ef5": [ "766e9b60-079b-466c-b5f4-26ea7b538f92" ], "0aade93b-9cc5-4a2e-b201-9e95cb7ebd8f": [ "6922051b-d2bb-4596-8326-950e517b27da" ], "650ef967-f91d-48f0-9ecc-ea9212f0410b": [ "6922051b-d2bb-4596-8326-950e517b27da" ], "9f3d3c2c-16bf-4e5f-a4d7-184bc6974c4c": [ "6922051b-d2bb-4596-8326-950e517b27da" ], "e68576cc-96b9-4281-a15e-3aa363244634": [ "6922051b-d2bb-4596-8326-950e517b27da" ], "1d706e22-25e9-44b5-805b-3d2daadb3d75": [ "6922051b-d2bb-4596-8326-950e517b27da" ], "9bb038bb-feb1-4676-9446-30e1acd540e9": [ "6922051b-d2bb-4596-8326-950e517b27da" ], "635b1d18-e474-4d38-9e75-1b9c90720f71": [ "6922051b-d2bb-4596-8326-950e517b27da" ], "37c71a36-7560-4dad-a587-ac6d94ec7048": [ "6922051b-d2bb-4596-8326-950e517b27da" ], "8248faed-60c6-47fc-965c-5c638766bc95": [ "6922051b-d2bb-4596-8326-950e517b27da" ], "e9113371-3269-4b70-8f28-1c1a753d0a8c": [ "6922051b-d2bb-4596-8326-950e517b27da" ], "f689fcfe-e5b3-4224-b406-e93058a54cd9": [ "809ea96c-3982-4de6-bbb7-b768ce0bfdac" ], "f472fbd9-abf0-4122-a510-8578e1da5efb": [ "809ea96c-3982-4de6-bbb7-b768ce0bfdac" ], "afc12db6-8930-4318-bf01-4f3360a90cbc": [ "809ea96c-3982-4de6-bbb7-b768ce0bfdac" ], "88751831-08a4-4381-856f-ee3e8f664574": [ "809ea96c-3982-4de6-bbb7-b768ce0bfdac" ], "821e7b6e-c925-438f-b98c-0564b50409fe": [ "809ea96c-3982-4de6-bbb7-b768ce0bfdac" ], "f6074b07-4c24-430f-93b2-99ad913c3720": [ "809ea96c-3982-4de6-bbb7-b768ce0bfdac" ], "63b93826-4ffe-4ec1-afec-9d90b6cfbabf": [ "809ea96c-3982-4de6-bbb7-b768ce0bfdac" ], "0a302e30-9e53-47c7-86f0-432929a798dd": [ "809ea96c-3982-4de6-bbb7-b768ce0bfdac" ], "023fb9e8-17cd-456a-b262-24860c86a4d7": [ "809ea96c-3982-4de6-bbb7-b768ce0bfdac" ], "b135dcd2-9399-43f6-9de1-78d8214d93e1": [ "809ea96c-3982-4de6-bbb7-b768ce0bfdac" ], "0db4a253-484f-4135-a3b1-5a3ea87688c4": [ "56d22c04-8cfb-4e8d-9d1e-034b72d7f832" ], "16e67aeb-5e29-4fce-87f4-2278fa238364": [ "56d22c04-8cfb-4e8d-9d1e-034b72d7f832" ], "73bed76c-0e1a-40da-99d0-3d276de37a5e": [ "56d22c04-8cfb-4e8d-9d1e-034b72d7f832" ], "94503045-54e8-4f98-8726-e8cc85f2679d": [ "56d22c04-8cfb-4e8d-9d1e-034b72d7f832" ], "6a84ae6b-8287-441b-b097-3e3a2823c510": [ "56d22c04-8cfb-4e8d-9d1e-034b72d7f832" ], "c76fe14c-f081-4e9e-9da1-6ebd569ff50b": [ "56d22c04-8cfb-4e8d-9d1e-034b72d7f832" ], "15c0fede-1be7-4e9e-8ad8-f561b4a7c850": [ "56d22c04-8cfb-4e8d-9d1e-034b72d7f832" ], "fbe486ed-c36f-4bea-b79e-d6a9a97ea5c5": [ "56d22c04-8cfb-4e8d-9d1e-034b72d7f832" ], "de729bb0-1e50-4a87-9c40-4e2a40903d9f": [ "56d22c04-8cfb-4e8d-9d1e-034b72d7f832" ], "caece0e2-aa2f-4629-9c15-76f95cb9bb88": [ "56d22c04-8cfb-4e8d-9d1e-034b72d7f832" ], "569f9b97-d911-465b-ad30-fdf0ad4da866": [ "f287f259-a102-4862-8839-a6ca7e4ee3b3" ], "6a2520d2-fda1-4a0b-bd1f-81ffdbb291b5": [ "f287f259-a102-4862-8839-a6ca7e4ee3b3" ], "6eab6e57-53c9-474c-aea3-a419610795ca": [ "f287f259-a102-4862-8839-a6ca7e4ee3b3" ], "27374892-fa6f-4813-bd0e-0f8a85f9caf5": [ "f287f259-a102-4862-8839-a6ca7e4ee3b3" ], "de6718d0-c3bd-4b64-8699-3fe4f7b4c9cf": [ "f287f259-a102-4862-8839-a6ca7e4ee3b3" ], "99bc29b7-8993-4354-ad36-718bc78e4edf": [ "f287f259-a102-4862-8839-a6ca7e4ee3b3" ], "9978f5bd-c628-4aad-922f-a469edb79c45": [ "f287f259-a102-4862-8839-a6ca7e4ee3b3" ], "6ab15f51-bc8d-4680-a236-d09861183f2f": [ "f287f259-a102-4862-8839-a6ca7e4ee3b3" ], "c5293e95-38a9-42d1-8c2a-91bd2fd2c107": [ "f287f259-a102-4862-8839-a6ca7e4ee3b3" ], "39ac392d-7172-48a2-94d9-f86b414c0162": [ "f287f259-a102-4862-8839-a6ca7e4ee3b3" ], "3e2d1710-b2b5-4596-a8db-776ff5e68405": [ "9376d831-26c7-45f4-8dbd-77ecb7ad3837" ], "bda2c76b-f3d9-4e06-a9f8-5fcfb955268c": [ "9376d831-26c7-45f4-8dbd-77ecb7ad3837" ], "964305df-9771-42ae-ac30-06efc9aa5646": [ "9376d831-26c7-45f4-8dbd-77ecb7ad3837" ], "a1aa88b8-8a78-43bc-bba1-22d40ea4caa3": [ "9376d831-26c7-45f4-8dbd-77ecb7ad3837" ], "d0dabae2-10b0-4811-9556-9133f9664ff9": [ "9376d831-26c7-45f4-8dbd-77ecb7ad3837" ], "93d097a1-7f13-4829-9a68-fc28b56d1c8e": [ "9376d831-26c7-45f4-8dbd-77ecb7ad3837" ], "0cd7b1a2-1644-4a39-aed8-37cd0107eab1": [ "9376d831-26c7-45f4-8dbd-77ecb7ad3837" ], "59da3179-9e7d-451d-8c2f-3c227e012d3b": [ "9376d831-26c7-45f4-8dbd-77ecb7ad3837" ], "2cac327e-8f91-45f2-8dbf-c8e36741f402": [ "9376d831-26c7-45f4-8dbd-77ecb7ad3837" ], "4058e23d-c684-4673-9581-a02319d18c01": [ "9376d831-26c7-45f4-8dbd-77ecb7ad3837" ], "45b2f416-2417-4dd5-b0c5-bdeec8d450a5": [ "ae371e5b-5d50-46e0-9bd2-964046310507" ], "d51e73af-2a04-424b-a7d0-86f3b6c9fc9c": [ "ae371e5b-5d50-46e0-9bd2-964046310507" ], "1db5b8f6-aeef-4e29-b748-939ea4a4cdf4": [ "ae371e5b-5d50-46e0-9bd2-964046310507" ], "6847d168-66c4-4f8f-8de8-1c8cc83c0a15": [ "ae371e5b-5d50-46e0-9bd2-964046310507" ], "9a013ea9-4e37-4e99-bc89-31881d469c1b": [ "ae371e5b-5d50-46e0-9bd2-964046310507" ], "b94f099c-9e99-4a53-9ec4-651fe9762b42": [ "ae371e5b-5d50-46e0-9bd2-964046310507" ], "77858aad-bf3e-43d8-be66-d918b50dd3b2": [ "ae371e5b-5d50-46e0-9bd2-964046310507" ], "7485655a-96f9-45e8-95c2-a1028834bced": [ "ae371e5b-5d50-46e0-9bd2-964046310507" ], "a8dc4113-e49f-4c72-8b85-3467d237e475": [ "ae371e5b-5d50-46e0-9bd2-964046310507" ], "ea865c20-baaf-4ac1-b4e2-be8fff0e455a": [ "ae371e5b-5d50-46e0-9bd2-964046310507" ], "250283b8-aab5-4f31-b9b5-b9512a728a9e": [ "380a20e5-4edf-4b0e-934c-47362716aeb2" ], "2ac06f26-5f4a-4318-bac7-ecc9881b5a2b": [ "380a20e5-4edf-4b0e-934c-47362716aeb2" ], "84581393-02c4-4035-afc5-35e46ed4ae7a": [ "380a20e5-4edf-4b0e-934c-47362716aeb2" ], "95e5e2dd-df92-4fcf-95cc-be3610f74fbf": [ "380a20e5-4edf-4b0e-934c-47362716aeb2" ], "6ca7fe2a-9dcb-43b7-a6ed-d1cc031dbea8": [ "380a20e5-4edf-4b0e-934c-47362716aeb2" ], "fc3415d4-882d-4cb1-acbb-19ccc2aba8ad": [ "380a20e5-4edf-4b0e-934c-47362716aeb2" ], "5187016e-fc13-4714-a50b-3aa4f201a753": [ "380a20e5-4edf-4b0e-934c-47362716aeb2" ], "c7b9d70d-c1b5-4c0a-a723-706481f19ddf": [ "380a20e5-4edf-4b0e-934c-47362716aeb2" ], "603657d8-72dd-4153-a03c-99ca40ffaa18": [ "380a20e5-4edf-4b0e-934c-47362716aeb2" ], "d5c657be-5bca-426b-a6dd-f493741f87b9": [ "380a20e5-4edf-4b0e-934c-47362716aeb2" ], "29621bc1-a282-4708-b614-573dc3503b6c": [ "d153c3d4-51a0-408d-b52e-df54c61d340b" ], "7074e671-bb6f-4bcb-96bb-3fd18dcbb4c1": [ "d153c3d4-51a0-408d-b52e-df54c61d340b" ], "34b46e6d-87bd-4428-b3eb-68303256a732": [ "d153c3d4-51a0-408d-b52e-df54c61d340b" ], "6b3017c3-9170-4c5f-8a47-78dc948e79fe": [ "d153c3d4-51a0-408d-b52e-df54c61d340b" ], "472209a3-1c63-48d5-b9ac-450187cc5a42": [ "d153c3d4-51a0-408d-b52e-df54c61d340b" ], "1cad456b-657c-46c6-abe4-06ed7b505a5e": [ "d153c3d4-51a0-408d-b52e-df54c61d340b" ], "0e84729d-f84a-47a5-aff1-55789dbb968b": [ "d153c3d4-51a0-408d-b52e-df54c61d340b" ], "0fdd9b9e-46d7-4463-9f99-27d0cdd7ec6d": [ "d153c3d4-51a0-408d-b52e-df54c61d340b" ], "6dbe5c06-61bd-40ba-af61-38475cbcca71": [ "d153c3d4-51a0-408d-b52e-df54c61d340b" ], "dade6099-d753-4aaf-9900-c26b5c33b915": [ "d153c3d4-51a0-408d-b52e-df54c61d340b" ], "57a916c5-7e36-488f-939d-d38400cec916": [ "433b3bf5-1e10-4c6a-8942-9940fe2755ba" ], "1a1ad38b-c534-481b-83df-77217756f7c6": [ "433b3bf5-1e10-4c6a-8942-9940fe2755ba" ], "363d748b-070f-4b8e-bedf-2d75b2dd8ec8": [ "433b3bf5-1e10-4c6a-8942-9940fe2755ba" ], "a342686a-0cd9-4509-9812-728669ea5927": [ "433b3bf5-1e10-4c6a-8942-9940fe2755ba" ], "56c10f1d-d7fd-40c6-b653-e51666f8eceb": [ "433b3bf5-1e10-4c6a-8942-9940fe2755ba" ], "eb78b32a-80bb-471b-8ea2-70b5adb20ccd": [ "433b3bf5-1e10-4c6a-8942-9940fe2755ba" ], "fadbe3f4-82fd-46ff-8b66-3d9c8aeecc54": [ "433b3bf5-1e10-4c6a-8942-9940fe2755ba" ], "46fd6a7c-25a3-42aa-a4b8-63219841caeb": [ "433b3bf5-1e10-4c6a-8942-9940fe2755ba" ], "6f6224e0-65e4-4a91-beaa-bfd0ab46eb85": [ "433b3bf5-1e10-4c6a-8942-9940fe2755ba" ], "7aff677a-5621-4e82-8d7b-a65e5c57e74b": [ "433b3bf5-1e10-4c6a-8942-9940fe2755ba" ], "443c6592-dadb-4ebc-94e2-437a3166fbf9": [ "e8749f8a-7057-4b11-8c4f-964470fa2189" ], "dfb1a572-e2fd-4449-91c6-7baadfe203b3": [ "e8749f8a-7057-4b11-8c4f-964470fa2189" ], "c3bb22fa-fdfb-4f21-8442-18193e2f02b9": [ "e8749f8a-7057-4b11-8c4f-964470fa2189" ], "96160e17-c186-4dc1-b4d1-06946a58e4d0": [ "e8749f8a-7057-4b11-8c4f-964470fa2189" ], "5134a431-2b12-4db4-b4b3-ee994f5860b9": [ "e8749f8a-7057-4b11-8c4f-964470fa2189" ], "426d5762-6212-4b8a-984c-f94e52b83f9f": [ "e8749f8a-7057-4b11-8c4f-964470fa2189" ], "325a1c8e-c1d9-4e00-9778-70f581703d3f": [ "e8749f8a-7057-4b11-8c4f-964470fa2189" ], "3fc296be-5e86-40ec-998b-629c2e2e29a4": [ "e8749f8a-7057-4b11-8c4f-964470fa2189" ], "b6081544-a9ef-4e1a-9e79-3dd03dd2396a": [ "e8749f8a-7057-4b11-8c4f-964470fa2189" ], "06b297be-72ca-4601-bb2d-8b8e56b9fc76": [ "e8749f8a-7057-4b11-8c4f-964470fa2189" ], "2c9fdca2-22c0-4b7b-a5b1-da3ce1ee3e49": [ "914c8d6e-ec6a-49e2-8ddb-26e3fb8c0342" ], "a402222b-20a4-4ffb-b157-73de9010b93c": [ "914c8d6e-ec6a-49e2-8ddb-26e3fb8c0342" ], "5ff812c1-2b4d-48e0-9327-6015dffab872": [ "914c8d6e-ec6a-49e2-8ddb-26e3fb8c0342" ], "e349d097-a703-466c-a093-6f030109dd87": [ "914c8d6e-ec6a-49e2-8ddb-26e3fb8c0342" ], "0f0ca2d4-715b-4149-831c-725bb7084c1c": [ "914c8d6e-ec6a-49e2-8ddb-26e3fb8c0342" ], "67d1505c-8bd4-4d1b-9e51-a06d32d7fcc0": [ "914c8d6e-ec6a-49e2-8ddb-26e3fb8c0342" ], "1c67753e-6d89-47a8-a64a-3e1e6c30886e": [ "914c8d6e-ec6a-49e2-8ddb-26e3fb8c0342" ], "55b668f7-686f-42b1-933c-9822aca0756c": [ "914c8d6e-ec6a-49e2-8ddb-26e3fb8c0342" ], "1ec3d80f-fdbc-46fa-9055-94c5b1e20d4f": [ "914c8d6e-ec6a-49e2-8ddb-26e3fb8c0342" ], "aa9d3f1a-879b-4191-9044-12805bd73928": [ "914c8d6e-ec6a-49e2-8ddb-26e3fb8c0342" ], "e6b3be96-87ca-4ecf-a5c5-24fce454d108": [ "80100e2c-3c9a-4e42-89f7-9f99a05e0789" ], "fc8af182-7c9a-4959-bcb5-269fca4775fa": [ "80100e2c-3c9a-4e42-89f7-9f99a05e0789" ], "f4634816-8312-47cb-adf2-f8f09f98368d": [ "80100e2c-3c9a-4e42-89f7-9f99a05e0789" ], "4c91efb5-ccf7-48a2-a77f-c3b4967e9b0b": [ "80100e2c-3c9a-4e42-89f7-9f99a05e0789" ], "3cdfeb25-85e7-4f5e-8775-41d7395de242": [ "80100e2c-3c9a-4e42-89f7-9f99a05e0789" ], "de2df2a2-938b-4dc5-b137-f1d171af9cce": [ "80100e2c-3c9a-4e42-89f7-9f99a05e0789" ], "e7f3f539-68e6-46bc-bb09-4ef0e04bc659": [ "80100e2c-3c9a-4e42-89f7-9f99a05e0789" ], "5005c6d9-28d2-4da7-99da-4cc7af498960": [ "80100e2c-3c9a-4e42-89f7-9f99a05e0789" ], "495469b9-7efd-4862-ad2a-2be8018c0d9e": [ "80100e2c-3c9a-4e42-89f7-9f99a05e0789" ], "98dbc928-550d-4f96-8362-ca5f94051b8d": [ "80100e2c-3c9a-4e42-89f7-9f99a05e0789" ], "64acb314-4142-449a-979d-5ba5d3181532": [ "f14b5003-f23f-4fbf-b5ff-ad60b1309e67" ], "5dc59b2d-927c-4a76-b897-c695b80946db": [ "f14b5003-f23f-4fbf-b5ff-ad60b1309e67" ], "a067bc0b-71aa-437f-bdfa-5cb4b8640215": [ "f14b5003-f23f-4fbf-b5ff-ad60b1309e67" ], "f25c9ec0-074a-4342-be6a-e8ffa4d0133f": [ "f14b5003-f23f-4fbf-b5ff-ad60b1309e67" ], "978ae53c-5416-4e47-a399-5cc06d06cae7": [ "f14b5003-f23f-4fbf-b5ff-ad60b1309e67" ], "14e9ebf2-3016-4856-b76f-31ae24aa2304": [ "f14b5003-f23f-4fbf-b5ff-ad60b1309e67" ], "7def00f7-0393-4224-9769-1d054f98ac30": [ "f14b5003-f23f-4fbf-b5ff-ad60b1309e67" ], "699bf099-f1ab-4056-b7f9-23670eb45c7d": [ "f14b5003-f23f-4fbf-b5ff-ad60b1309e67" ], "c477916b-abf6-43ba-a176-2d8bc1ca029d": [ "f14b5003-f23f-4fbf-b5ff-ad60b1309e67" ], "f053b9d9-0916-4541-b3b8-82f1c7c8a7cb": [ "f14b5003-f23f-4fbf-b5ff-ad60b1309e67" ], "61faddc9-1f05-475d-af9c-af1ccfa8f440": [ "989b219c-e66c-4d86-9472-92907582b798" ], "1b516585-46b2-4724-ada3-f20d89d5045a": [ "989b219c-e66c-4d86-9472-92907582b798" ], "6cd9186d-d0e8-407a-8d4c-1b0f8aa1bc96": [ "989b219c-e66c-4d86-9472-92907582b798" ], "6451860f-b214-4fed-bdff-10d7eb33fc5b": [ "989b219c-e66c-4d86-9472-92907582b798" ], "71d58e86-7f89-47bd-b7ad-fa961e03bc92": [ "989b219c-e66c-4d86-9472-92907582b798" ], "5f6e13a7-034c-4bd6-8fbb-f0fba39c79d8": [ "989b219c-e66c-4d86-9472-92907582b798" ], "0881d798-8cee-4d04-900a-5b0bc7968366": [ "989b219c-e66c-4d86-9472-92907582b798" ], "f59a991b-9bbd-403c-afd3-b7896bfb5d1d": [ "989b219c-e66c-4d86-9472-92907582b798" ], "d700d879-4a47-4735-81de-8bfab97f6eb9": [ "989b219c-e66c-4d86-9472-92907582b798" ], "15b967ba-af98-40f0-b01c-5fe1a6c9b169": [ "989b219c-e66c-4d86-9472-92907582b798" ], "20399f1e-0263-4bef-8e52-e4273d7f4797": [ "2ada0411-8560-42b8-a8d7-0f36a3526afe" ], "aa32f20c-946a-4c01-bea7-cc7f84c27654": [ "2ada0411-8560-42b8-a8d7-0f36a3526afe" ], "98e64f38-6e37-46bc-b609-0b058a68f5d3": [ "2ada0411-8560-42b8-a8d7-0f36a3526afe" ], "eeae88f1-f3e5-40db-b673-f03bb7bf2353": [ "2ada0411-8560-42b8-a8d7-0f36a3526afe" ], "c3681ba3-e55e-416c-be8f-337545fd1199": [ "2ada0411-8560-42b8-a8d7-0f36a3526afe" ], "49296323-92d9-4a85-8a6e-f0f2b9136122": [ "2ada0411-8560-42b8-a8d7-0f36a3526afe" ], "b4bfb8f3-058d-4675-8430-3f837171df80": [ "2ada0411-8560-42b8-a8d7-0f36a3526afe" ], "c87c7151-1f1b-4df8-9c9d-8e5c88ff246d": [ "2ada0411-8560-42b8-a8d7-0f36a3526afe" ], "c58441fb-a92b-4ba2-9f84-081bac33e984": [ "2ada0411-8560-42b8-a8d7-0f36a3526afe" ], "c6a14605-ed04-415d-bfb3-a1d02cba66f9": [ "2ada0411-8560-42b8-a8d7-0f36a3526afe" ], "24e22ca6-be4f-4277-be03-6b15ddc6de69": [ "3abc875e-263b-4052-9cbb-f65502ad0924" ], "c548e59d-eef5-449c-ae93-c0afef36e9e5": [ "3abc875e-263b-4052-9cbb-f65502ad0924" ], "ba1a002f-1139-4389-aeae-2e98c048794c": [ "3abc875e-263b-4052-9cbb-f65502ad0924" ], "66d8a0b1-7d94-4c12-b2b5-7734a06e7b38": [ "3abc875e-263b-4052-9cbb-f65502ad0924" ], "16a38471-b448-4ece-8072-349d1a6c5340": [ "3abc875e-263b-4052-9cbb-f65502ad0924" ], "826e7f5e-8ad6-4315-a19a-f0fd203c910d": [ "3abc875e-263b-4052-9cbb-f65502ad0924" ], "9a3f8eb6-737d-4b80-b73e-541cf636588a": [ "3abc875e-263b-4052-9cbb-f65502ad0924" ], "7ab25144-4e68-4333-bead-7facc65b96c5": [ "3abc875e-263b-4052-9cbb-f65502ad0924" ], "ae7c8c10-237e-4467-bfbe-656f1c1d93a3": [ "3abc875e-263b-4052-9cbb-f65502ad0924" ], "26fdc999-e0e9-4955-815c-a3016fbf111f": [ "3abc875e-263b-4052-9cbb-f65502ad0924" ], "7e2297e0-e03f-40e4-888c-40986c3e24ac": [ "3c8fc17e-4378-4f59-8329-ef8107c38339" ], "da6cea8f-8d20-44f4-b417-73590c0a9508": [ "3c8fc17e-4378-4f59-8329-ef8107c38339" ], "5eccd733-47c4-4220-8b09-172fbffc5d26": [ "3c8fc17e-4378-4f59-8329-ef8107c38339" ], "f243d712-e0a3-4bc0-b394-aedc95abcd66": [ "3c8fc17e-4378-4f59-8329-ef8107c38339" ], "4b7b9c79-4878-4aa1-9491-31735d041b59": [ "3c8fc17e-4378-4f59-8329-ef8107c38339" ], "db5108a0-dd6a-49b7-872d-a0af579a2161": [ "3c8fc17e-4378-4f59-8329-ef8107c38339" ], "ddf3978c-4239-4500-83bf-e566c6314775": [ "3c8fc17e-4378-4f59-8329-ef8107c38339" ], "c15b0fca-69eb-4809-a6f7-32c7ca80adf3": [ "3c8fc17e-4378-4f59-8329-ef8107c38339" ], "2254140b-c627-4f7f-905b-647141cf728b": [ "3c8fc17e-4378-4f59-8329-ef8107c38339" ], "eee7e0c1-dca4-46e8-800b-3d469c6b93cb": [ "3c8fc17e-4378-4f59-8329-ef8107c38339" ], "82bf7855-5e02-4865-a03d-af6c7e7ce6a1": [ "b2c34fe5-62fd-4edd-b10a-a60546d912c2" ], "cdba9ad4-8030-4672-b414-b18b887158bb": [ "b2c34fe5-62fd-4edd-b10a-a60546d912c2" ], "773d149a-d543-4f23-9eac-1cf3aaa78244": [ "b2c34fe5-62fd-4edd-b10a-a60546d912c2" ], "64e5a072-36a0-4d93-9d8f-f654118403c0": [ "b2c34fe5-62fd-4edd-b10a-a60546d912c2" ], "df902978-476f-443c-b86d-0e343127fc9b": [ "b2c34fe5-62fd-4edd-b10a-a60546d912c2" ], "ff855ae0-00ba-4f9f-8b92-814fc8c2646f": [ "b2c34fe5-62fd-4edd-b10a-a60546d912c2" ], "d38bfa68-5cc6-4da9-8719-c4a4696897d0": [ "b2c34fe5-62fd-4edd-b10a-a60546d912c2" ], "7b072b8d-0c68-46b2-98d7-2c92919f0aac": [ "b2c34fe5-62fd-4edd-b10a-a60546d912c2" ], "b3a13aba-dd23-4c79-a598-23c9f03e56f5": [ "b2c34fe5-62fd-4edd-b10a-a60546d912c2" ], "03ff49fe-5dfa-4c1c-ac69-13f4ec9e50a2": [ "b2c34fe5-62fd-4edd-b10a-a60546d912c2" ], "e042a9aa-6ecb-4d39-9eb7-d00156f3db70": [ "d7edab67-9c4a-424b-8665-9a81299af11d" ], "4ab737fe-1c02-4095-bfd6-08f16a420313": [ "d7edab67-9c4a-424b-8665-9a81299af11d" ], "67c626cd-e55e-499a-8cfa-24191867eee0": [ "d7edab67-9c4a-424b-8665-9a81299af11d" ], "8b0cd768-5ccd-4377-97ac-0fc6ef559f76": [ "d7edab67-9c4a-424b-8665-9a81299af11d" ], "a149cb36-43ff-4c62-9f08-5048b34fcca2": [ "d7edab67-9c4a-424b-8665-9a81299af11d" ], "8d16b05c-5d69-468a-91fd-12963aef19bf": [ "d7edab67-9c4a-424b-8665-9a81299af11d" ], "01c30577-aec6-42ba-8124-e8c676c6873e": [ "d7edab67-9c4a-424b-8665-9a81299af11d" ], "29b07663-dfd4-4477-8bb5-5e6ac0c82d8f": [ "d7edab67-9c4a-424b-8665-9a81299af11d" ], "455dd0bc-d463-4c4e-aa03-06c29b582e01": [ "d7edab67-9c4a-424b-8665-9a81299af11d" ], "56acd79b-e5e9-406c-9bcd-4eb3da57f27b": [ "d7edab67-9c4a-424b-8665-9a81299af11d" ], "f8f7eece-6c14-411f-80da-795e0acb3f55": [ "b45783a3-5b14-4e11-8461-b4c04ec8c1be" ], "f70c27fa-9fb5-4dcd-ae04-79587b5b8a2f": [ "b45783a3-5b14-4e11-8461-b4c04ec8c1be" ], "4dcbe462-5528-425f-aaf3-c427a404f7ce": [ "b45783a3-5b14-4e11-8461-b4c04ec8c1be" ], "391c2d01-eba1-46e8-97ee-3cc7e499c672": [ "b45783a3-5b14-4e11-8461-b4c04ec8c1be" ], "1286d3c1-a288-47c8-91a0-f0a5356d4106": [ "b45783a3-5b14-4e11-8461-b4c04ec8c1be" ], "329a20d7-964f-42d6-a9db-1a3a7203dec8": [ "b45783a3-5b14-4e11-8461-b4c04ec8c1be" ], "d0f86429-f81a-4dca-bdf3-b80244d02ae8": [ "b45783a3-5b14-4e11-8461-b4c04ec8c1be" ], "a1381740-f679-4649-bd2b-21982262ca7f": [ "b45783a3-5b14-4e11-8461-b4c04ec8c1be" ], "c2ff2d9d-f7ef-469a-a835-1489d00b632c": [ "b45783a3-5b14-4e11-8461-b4c04ec8c1be" ], "c38f22ba-a9d6-4a0b-917e-17b31723f1df": [ "b45783a3-5b14-4e11-8461-b4c04ec8c1be" ], "d75fb484-84b0-4c8c-ac32-ddcec8f863b3": [ "58a30be2-a8c8-4d8f-a963-da06e8f9ba55" ], "83d6a3a6-86ad-4da1-9f1e-ff364cecd81a": [ "58a30be2-a8c8-4d8f-a963-da06e8f9ba55" ], "23c7ca4f-95e8-401b-9d3c-0572e97766dc": [ "58a30be2-a8c8-4d8f-a963-da06e8f9ba55" ], "1ff1510c-1c64-4179-a5d1-f110727adc86": [ "58a30be2-a8c8-4d8f-a963-da06e8f9ba55" ], "6ed01c3c-a4f3-429b-bf49-c9e42ed43fda": [ "58a30be2-a8c8-4d8f-a963-da06e8f9ba55" ], "87614c90-81ac-48cb-8664-ecbc1a5088a4": [ "58a30be2-a8c8-4d8f-a963-da06e8f9ba55" ], "b3629301-3d98-4675-ab0b-7419f913b505": [ "58a30be2-a8c8-4d8f-a963-da06e8f9ba55" ], "798d2ab0-dd35-4f15-83dd-cc405ff7d5fd": [ "58a30be2-a8c8-4d8f-a963-da06e8f9ba55" ], "0293fe89-aa3b-44c7-ba39-9da9dc6f266f": [ "58a30be2-a8c8-4d8f-a963-da06e8f9ba55" ], "1797d9cb-b478-4bd7-9420-225192230fef": [ "58a30be2-a8c8-4d8f-a963-da06e8f9ba55" ], "2b77964f-7976-43e8-ae2b-cbfef5fb109b": [ "401a2bea-e21e-4c4a-92fb-911f39902dee" ], "8d40cd7f-f21a-4507-a418-212e4a81aa2a": [ "401a2bea-e21e-4c4a-92fb-911f39902dee" ], "3bc614cc-62e7-41d8-8a75-763cfbebc6c9": [ "401a2bea-e21e-4c4a-92fb-911f39902dee" ], "e04538a9-1805-4ca9-bbe6-c1f296130633": [ "401a2bea-e21e-4c4a-92fb-911f39902dee" ], "110b3eca-949a-4c84-ad23-fe655883598f": [ "401a2bea-e21e-4c4a-92fb-911f39902dee" ], "329e575c-b083-4f73-a863-4303209f4cf3": [ "401a2bea-e21e-4c4a-92fb-911f39902dee" ], "afe0b2d7-7684-4641-a93f-0d19c2c2af25": [ "401a2bea-e21e-4c4a-92fb-911f39902dee" ], "8503dd62-afdf-49b9-99db-a40d1e742ed5": [ "401a2bea-e21e-4c4a-92fb-911f39902dee" ], "297e2465-1ade-46a8-957b-abbb19c46209": [ "401a2bea-e21e-4c4a-92fb-911f39902dee" ], "1df900f6-2fc0-485a-81a4-7adbe3b973ee": [ "401a2bea-e21e-4c4a-92fb-911f39902dee" ], "3eaa99f2-f432-45cb-840b-9a60a7317e11": [ "57a2982c-390f-4fba-bb5a-4b4ec93b7677" ], "04ff46b2-61e6-4a78-9f2b-94ffb7d8c641": [ "57a2982c-390f-4fba-bb5a-4b4ec93b7677" ], "58b85f85-bd72-4ceb-9f60-116312dac9d8": [ "57a2982c-390f-4fba-bb5a-4b4ec93b7677" ], "7fedda31-30f4-410c-ba9e-bb59baee5cee": [ "57a2982c-390f-4fba-bb5a-4b4ec93b7677" ], "87498488-78ae-483c-b0c0-afa228237a29": [ "57a2982c-390f-4fba-bb5a-4b4ec93b7677" ], "f25be9a6-d2e8-4ebf-8a1a-f09035d9317a": [ "57a2982c-390f-4fba-bb5a-4b4ec93b7677" ], "3b512333-d00f-4294-80aa-d64d2eda3330": [ "57a2982c-390f-4fba-bb5a-4b4ec93b7677" ], "e9d5484f-c102-40d3-9a6e-837e7d23c7f5": [ "57a2982c-390f-4fba-bb5a-4b4ec93b7677" ], "c7e4b38c-f419-4848-83db-a91453a1ad16": [ "57a2982c-390f-4fba-bb5a-4b4ec93b7677" ], "ead8a84a-6c0d-4b0e-81c7-fdf70f114a4c": [ "57a2982c-390f-4fba-bb5a-4b4ec93b7677" ], "2c3b9bea-5abb-4b25-b3f9-aaab0a188b2a": [ "f737581a-2b25-4cbe-8f97-50fa80580d4c" ], "a0bf6316-b9bc-4e3b-8de7-e1f7fb787a86": [ "f737581a-2b25-4cbe-8f97-50fa80580d4c" ], "7d4fee83-c80c-4c7d-9020-c0ca3c8013cb": [ "f737581a-2b25-4cbe-8f97-50fa80580d4c" ], "a32d7435-19eb-4348-979f-0c77dca3ceab": [ "f737581a-2b25-4cbe-8f97-50fa80580d4c" ], "b4ce72f2-a8eb-4d6e-8630-678ab1c0db29": [ "f737581a-2b25-4cbe-8f97-50fa80580d4c" ], "41f32a17-aed3-4a6c-882e-c7db94297e45": [ "f737581a-2b25-4cbe-8f97-50fa80580d4c" ], "eab886ab-fd0b-4f67-8f80-66b8c7721020": [ "f737581a-2b25-4cbe-8f97-50fa80580d4c" ], "2945dc43-48e4-47d7-8a29-6cbffebcf948": [ "f737581a-2b25-4cbe-8f97-50fa80580d4c" ], "977ff883-1bfa-4c05-822d-0485a55dbba8": [ "f737581a-2b25-4cbe-8f97-50fa80580d4c" ], "042b5d55-8ea5-4411-b4da-8fb2e2721921": [ "f737581a-2b25-4cbe-8f97-50fa80580d4c" ], "a4a9b234-7312-415c-8e9e-55277026c8a8": [ "50a3e235-263b-4bec-ba8e-4e5f5ce03052" ], "d1c2f57d-693b-44ba-8f53-008a7c91dcd1": [ "50a3e235-263b-4bec-ba8e-4e5f5ce03052" ], "87bec814-8c32-422e-b2f8-f3a6d8cd9d9d": [ "50a3e235-263b-4bec-ba8e-4e5f5ce03052" ], "cb68ed76-f5f8-4b23-97b0-13848e0dc93d": [ "50a3e235-263b-4bec-ba8e-4e5f5ce03052" ], "29de2f8a-83b9-4a51-b6e6-66c867602492": [ "50a3e235-263b-4bec-ba8e-4e5f5ce03052" ], "bbe0dddc-1420-4c75-894a-e9681ae05c3e": [ "50a3e235-263b-4bec-ba8e-4e5f5ce03052" ], "5dd4d105-6ecf-491c-8147-e91b33f3799d": [ "50a3e235-263b-4bec-ba8e-4e5f5ce03052" ], "7240d9ec-4e61-4338-93f1-7d6a3b61e4bf": [ "50a3e235-263b-4bec-ba8e-4e5f5ce03052" ], "3b7a5ceb-2e52-4fdd-b587-e21b3e21e525": [ "50a3e235-263b-4bec-ba8e-4e5f5ce03052" ], "f0ccc701-56b0-48f1-a562-7c0bacbf096a": [ "50a3e235-263b-4bec-ba8e-4e5f5ce03052" ], "bf7c959f-2a1e-40f1-bf2d-1985645c38bc": [ "edd29036-6a0d-47f3-9e62-d4f9814527ab" ], "a3f85cde-9fe0-4899-864b-dc80af8e4342": [ "edd29036-6a0d-47f3-9e62-d4f9814527ab" ], "fc402c6e-4101-4dd5-a77a-0be85eb9ffb8": [ "edd29036-6a0d-47f3-9e62-d4f9814527ab" ], "2dd545cf-054b-403d-9eec-6d3b14eb6a2a": [ "edd29036-6a0d-47f3-9e62-d4f9814527ab" ], "1a0f7eef-7600-4de0-9e41-101d78e135c8": [ "edd29036-6a0d-47f3-9e62-d4f9814527ab" ], "b6f2539d-ab63-40ff-b8e9-bc9889107067": [ "edd29036-6a0d-47f3-9e62-d4f9814527ab" ], "de8a6c9e-1ec6-4cbe-b40d-4c20d4f7bf6b": [ "edd29036-6a0d-47f3-9e62-d4f9814527ab" ], "2824f4fb-3c08-452e-acae-c68d2998e2c8": [ "edd29036-6a0d-47f3-9e62-d4f9814527ab" ], "685775e0-ed90-4a07-b58c-91f27b04e96b": [ "edd29036-6a0d-47f3-9e62-d4f9814527ab" ], "a050aae4-b54c-4b86-aa25-643d95768b0b": [ "edd29036-6a0d-47f3-9e62-d4f9814527ab" ], "6c9b5f8c-f8c4-49e1-a4de-8575d59c8509": [ "0ce96265-37db-48bf-8a4c-adc8bf14a008" ], "01a6230d-748a-40d3-84f7-8a928d906a17": [ "0ce96265-37db-48bf-8a4c-adc8bf14a008" ], "afcb8e5d-62f1-45c1-bd50-75f530dba4ab": [ "0ce96265-37db-48bf-8a4c-adc8bf14a008" ], "68102962-4af1-4a91-9db9-8961203d6558": [ "0ce96265-37db-48bf-8a4c-adc8bf14a008" ], "895bfe46-fc3a-4198-a134-4278d1b8a7a8": [ "0ce96265-37db-48bf-8a4c-adc8bf14a008" ], "9923ccd9-371c-49f4-b4ea-998adf379d0c": [ "0ce96265-37db-48bf-8a4c-adc8bf14a008" ], "4041c702-9eb0-486e-9c1b-ecd433f03bee": [ "0ce96265-37db-48bf-8a4c-adc8bf14a008" ], "9ebd9657-92f3-41f5-8d34-27f0a4a39c7e": [ "0ce96265-37db-48bf-8a4c-adc8bf14a008" ], "0a20c454-59ce-45c8-99a4-5e88d9f17ae4": [ "0ce96265-37db-48bf-8a4c-adc8bf14a008" ], "c6b790a7-b7ce-4939-9b9f-02f54aac86b6": [ "0ce96265-37db-48bf-8a4c-adc8bf14a008" ], "015150f1-81b4-42ab-8478-8699c1805cd6": [ "2c0b311e-2181-4313-b296-d0494ad1ff78" ], "0397457d-d1f3-4271-ab0a-85019ed93459": [ "2c0b311e-2181-4313-b296-d0494ad1ff78" ], "5b356286-82ab-4f19-aedf-00038dacc24e": [ "2c0b311e-2181-4313-b296-d0494ad1ff78" ], "d46b4037-f65c-48d6-8314-8a88966020fe": [ "2c0b311e-2181-4313-b296-d0494ad1ff78" ], "494d037d-0283-41d0-812a-0e31fd4cc8fb": [ "2c0b311e-2181-4313-b296-d0494ad1ff78" ], "e66951b1-89f4-44b5-83f4-1d922bfcf3da": [ "2c0b311e-2181-4313-b296-d0494ad1ff78" ], "15a73206-af3e-4cd2-99c1-dab8a7f8e61b": [ "2c0b311e-2181-4313-b296-d0494ad1ff78" ], "f3804880-e9b5-465b-8e50-c9dfed91fbf8": [ "2c0b311e-2181-4313-b296-d0494ad1ff78" ], "eb14a9ae-8640-4ee5-9458-dee83f2d1bdc": [ "2c0b311e-2181-4313-b296-d0494ad1ff78" ], "f09741a2-d005-49f6-aacb-f4d837d4c012": [ "2c0b311e-2181-4313-b296-d0494ad1ff78" ], "cb2226e1-76c3-4277-9821-68eb3908a2b0": [ "d0e61cb3-e27e-4c25-b4e6-82b118615ea9" ], "9a2111a0-e09c-434b-9328-471eb179c11a": [ "d0e61cb3-e27e-4c25-b4e6-82b118615ea9" ], "c723cb53-2751-4430-aa3b-efed27f409da": [ "d0e61cb3-e27e-4c25-b4e6-82b118615ea9" ], "83b07b6a-0286-45cb-addd-878f137a0508": [ "d0e61cb3-e27e-4c25-b4e6-82b118615ea9" ], "8969d1bb-a241-46de-9c65-2b5a8963f982": [ "d0e61cb3-e27e-4c25-b4e6-82b118615ea9" ], "05f789c4-d1b5-4d85-8c47-10ad976799df": [ "d0e61cb3-e27e-4c25-b4e6-82b118615ea9" ], "a9208d7d-7b8e-458f-b338-b6cb7f407c67": [ "d0e61cb3-e27e-4c25-b4e6-82b118615ea9" ], "6b0784b1-3526-4b22-8d36-daf2e915935c": [ "d0e61cb3-e27e-4c25-b4e6-82b118615ea9" ], "db77bf49-de25-46e5-9bdc-a089951791ad": [ "d0e61cb3-e27e-4c25-b4e6-82b118615ea9" ], "e35cfe1b-0730-4294-b8a7-d4cfcf0674e1": [ "d0e61cb3-e27e-4c25-b4e6-82b118615ea9" ], "ea3d1bae-a915-4ef4-9b2b-9936cc8a48f1": [ "9f854904-da30-4325-a2b4-2cb7f958f023" ], "79f3d3bb-1391-46e8-917b-fb8e29e76c9a": [ "9f854904-da30-4325-a2b4-2cb7f958f023" ], "41f0cffa-3073-4ee7-b54b-fc4c5bd3422c": [ "9f854904-da30-4325-a2b4-2cb7f958f023" ], "0b413a5f-be6b-47d0-b360-6f75df58cb64": [ "9f854904-da30-4325-a2b4-2cb7f958f023" ], "8669d9a1-04af-42e9-a822-6329264716be": [ "9f854904-da30-4325-a2b4-2cb7f958f023" ], "c8ed2bd7-8dbd-45b7-b952-0892f451cb52": [ "9f854904-da30-4325-a2b4-2cb7f958f023" ], "68461bc5-4714-4092-87aa-cf5d26a35ab3": [ "9f854904-da30-4325-a2b4-2cb7f958f023" ], "a6149aa0-0e3a-4ae9-8e3a-0ce7ca697550": [ "9f854904-da30-4325-a2b4-2cb7f958f023" ], "5384a684-da88-4a5b-83c6-a5f6b3276bf4": [ "9f854904-da30-4325-a2b4-2cb7f958f023" ], "a8ed42c0-f62d-4d43-9d49-862dc3e7ed9b": [ "9f854904-da30-4325-a2b4-2cb7f958f023" ], "69f13197-106e-4778-8b34-77f3eb2b0731": [ "c40015d2-da82-4f94-b4c4-e35fd0e65fc5" ], "3a69d795-bcda-4966-86da-820a2028a485": [ "c40015d2-da82-4f94-b4c4-e35fd0e65fc5" ], "59ccdc7d-4c4a-479c-9a48-fac327d75049": [ "c40015d2-da82-4f94-b4c4-e35fd0e65fc5" ], "fd685a93-4bab-46f3-b8b7-3380d11d4d51": [ "c40015d2-da82-4f94-b4c4-e35fd0e65fc5" ], "b5eeb935-bad3-49a6-b238-28c1251ff086": [ "c40015d2-da82-4f94-b4c4-e35fd0e65fc5" ], "f11bcb37-28e8-4cc4-8745-69be620c3864": [ "c40015d2-da82-4f94-b4c4-e35fd0e65fc5" ], "f56c3df4-611a-4b2a-83a0-ce1a0018835f": [ "c40015d2-da82-4f94-b4c4-e35fd0e65fc5" ], "7efa6fc9-c2ef-42eb-a482-21209a453307": [ "c40015d2-da82-4f94-b4c4-e35fd0e65fc5" ], "f8585bc6-d67d-4c0f-aea8-bc02692ad3cb": [ "c40015d2-da82-4f94-b4c4-e35fd0e65fc5" ], "00498148-7a82-4176-a81e-2674cf526e44": [ "c40015d2-da82-4f94-b4c4-e35fd0e65fc5" ], "c2fa5279-41c8-4477-80d8-e9aaece80309": [ "2a0198eb-d2c5-4f09-bed4-7be8b2b6f28f" ], "14d67ca7-8b89-43da-ba64-0e8b1436e25e": [ "2a0198eb-d2c5-4f09-bed4-7be8b2b6f28f" ], "5a4ea171-3c46-4c10-ba1a-cc7e3d5d27f7": [ "2a0198eb-d2c5-4f09-bed4-7be8b2b6f28f" ], "d9a6d5af-970a-4059-b08e-9d3ea0ba5d51": [ "2a0198eb-d2c5-4f09-bed4-7be8b2b6f28f" ], "3b827e54-e750-4bcf-bdbe-944658964275": [ "2a0198eb-d2c5-4f09-bed4-7be8b2b6f28f" ], "58bd9f16-8041-4a1d-ab61-932c97995218": [ "2a0198eb-d2c5-4f09-bed4-7be8b2b6f28f" ], "e660e17b-15e4-4aba-b60e-2f034863d216": [ "2a0198eb-d2c5-4f09-bed4-7be8b2b6f28f" ], "4f60d577-2a31-4c25-b595-186d53411f21": [ "2a0198eb-d2c5-4f09-bed4-7be8b2b6f28f" ], "03e1b2ad-925d-4905-920f-c41d6a5f5bf6": [ "2a0198eb-d2c5-4f09-bed4-7be8b2b6f28f" ], "9aec847d-c8cf-4712-b854-74e855e6d232": [ "2a0198eb-d2c5-4f09-bed4-7be8b2b6f28f" ], "270a3430-a559-45d2-a792-f878a3aee866": [ "e735a5d8-b394-489e-b4da-94589b5e835f" ], "08482aa4-01a3-4bde-a4cb-3c18847286e2": [ "e735a5d8-b394-489e-b4da-94589b5e835f" ], "c4e5f78c-1d27-4bad-8145-10fbf1f76a30": [ "e735a5d8-b394-489e-b4da-94589b5e835f" ], "6efe5e68-ef16-4c32-9ce0-108430b15247": [ "e735a5d8-b394-489e-b4da-94589b5e835f" ], "06c232e5-6944-49e6-aa49-fbcfb7b067d1": [ "e735a5d8-b394-489e-b4da-94589b5e835f" ], "6bf31d91-b182-43b9-8c8c-24b054a4d778": [ "e735a5d8-b394-489e-b4da-94589b5e835f" ], "0e3ef221-0103-479a-b69e-7140564070de": [ "e735a5d8-b394-489e-b4da-94589b5e835f" ], "9b3c0a2e-6c1a-4278-8f74-86bbcb5344d1": [ "e735a5d8-b394-489e-b4da-94589b5e835f" ], "6d32d048-8448-4547-9bd8-5c96dbb3415d": [ "e735a5d8-b394-489e-b4da-94589b5e835f" ], "80c83982-5007-4be8-9bf1-55cb13726bcb": [ "e735a5d8-b394-489e-b4da-94589b5e835f" ], "c53f6c08-fd21-4a3c-a998-0c1b96284798": [ "cfc686fb-f42e-4b4d-aaec-3989ba298196" ], "f0081898-d01a-42e0-99df-aac3af44c467": [ "cfc686fb-f42e-4b4d-aaec-3989ba298196" ], "a689c6b7-c8f1-4f99-af42-2d1667f3d0b8": [ "cfc686fb-f42e-4b4d-aaec-3989ba298196" ], "ac8528c9-d506-4da0-bbbb-96b562f26c8a": [ "cfc686fb-f42e-4b4d-aaec-3989ba298196" ], "d0b547d9-09ca-4313-878f-1e422f5a2b10": [ "cfc686fb-f42e-4b4d-aaec-3989ba298196" ], "2904220d-aa79-4090-9bb9-e9547cfe5128": [ "cfc686fb-f42e-4b4d-aaec-3989ba298196" ], "a079c496-a7e4-4779-a689-e978c09b8400": [ "cfc686fb-f42e-4b4d-aaec-3989ba298196" ], "48d326ae-764c-461b-be08-3409df663b20": [ "cfc686fb-f42e-4b4d-aaec-3989ba298196" ], "5fceea9a-0d27-439f-8a52-5ede17353b47": [ "cfc686fb-f42e-4b4d-aaec-3989ba298196" ], "626fafb7-f19f-45d8-b304-635106a2b3cc": [ "cfc686fb-f42e-4b4d-aaec-3989ba298196" ], "c6d9564f-8db5-4da8-bf90-fbdad7b0e5c7": [ "67a08b78-c2a7-49ac-8607-abb2cb38950c" ], "dca3be77-cddf-4414-b8ce-67042d0bb243": [ "67a08b78-c2a7-49ac-8607-abb2cb38950c" ], "454a9ccb-1d26-48ef-8c79-df4c5c43a4e0": [ "67a08b78-c2a7-49ac-8607-abb2cb38950c" ], "e4a1072a-c3e6-4754-af9e-ecc8bb53d949": [ "67a08b78-c2a7-49ac-8607-abb2cb38950c" ], "6ff9cd0f-cca9-495b-9434-64e339cb0190": [ "67a08b78-c2a7-49ac-8607-abb2cb38950c" ], "f5b6a563-a0c5-498c-b450-202fabe90e7a": [ "67a08b78-c2a7-49ac-8607-abb2cb38950c" ], "3c8944d3-6a61-4544-83fc-b2bab8a74356": [ "67a08b78-c2a7-49ac-8607-abb2cb38950c" ], "e93ae98c-6abf-4ed4-878c-a9dc68306b1b": [ "67a08b78-c2a7-49ac-8607-abb2cb38950c" ], "690e763d-1e9a-4f3d-8770-87511010f825": [ "67a08b78-c2a7-49ac-8607-abb2cb38950c" ], "0a53ea4b-386c-47c0-a1ef-4e011caa1fc8": [ "67a08b78-c2a7-49ac-8607-abb2cb38950c" ], "7656677f-2e1d-492b-98e7-67550f6e7fc1": [ "bb2f7b29-8f61-4241-803b-5dd47002d17b" ], "7fc86551-de48-406e-9622-a94e80574ac6": [ "bb2f7b29-8f61-4241-803b-5dd47002d17b" ], "5e4ea5be-3676-40b4-a26e-7b826a5f5f2e": [ "bb2f7b29-8f61-4241-803b-5dd47002d17b" ], "3f7c34a5-2953-4d34-9626-81638c7db08e": [ "bb2f7b29-8f61-4241-803b-5dd47002d17b" ], "722eaadb-c5e2-4fce-aa43-3a9f14762c00": [ "bb2f7b29-8f61-4241-803b-5dd47002d17b" ], "6baab352-40e1-4555-a2e0-94e8096c6120": [ "bb2f7b29-8f61-4241-803b-5dd47002d17b" ], "2e181bcc-6edc-40ac-91ac-73ab12df055a": [ "bb2f7b29-8f61-4241-803b-5dd47002d17b" ], "cece931f-f6ee-4e77-9f4f-928594d65e13": [ "bb2f7b29-8f61-4241-803b-5dd47002d17b" ], "73d6760d-d27b-4052-9f21-aaed38d0aabe": [ "bb2f7b29-8f61-4241-803b-5dd47002d17b" ], "392ca412-c6f4-42c1-bc91-ed81c3553996": [ "bb2f7b29-8f61-4241-803b-5dd47002d17b" ], "fdc82d05-9491-42be-b628-9225e8830cb9": [ "5b5ad278-fea3-4851-b3cc-68b37a338adc" ], "77d8995a-d2c6-4771-9d3f-1ddfd96556a0": [ "5b5ad278-fea3-4851-b3cc-68b37a338adc" ], "2ff3eb38-7635-447e-b7d7-a80d5e8af2f7": [ "5b5ad278-fea3-4851-b3cc-68b37a338adc" ], "2ca3befb-aed3-4700-b12b-4d594737c116": [ "5b5ad278-fea3-4851-b3cc-68b37a338adc" ], "ec1bde2f-df7b-43b4-993a-55f4c7d1cb37": [ "5b5ad278-fea3-4851-b3cc-68b37a338adc" ], "6d062aaa-1193-435c-a83e-1cda3deeec38": [ "5b5ad278-fea3-4851-b3cc-68b37a338adc" ], "3cf3ac6c-f2ae-4ec1-a031-c7433f078d2c": [ "5b5ad278-fea3-4851-b3cc-68b37a338adc" ], "708d57fb-de59-40af-bc77-23f973c66b3c": [ "5b5ad278-fea3-4851-b3cc-68b37a338adc" ], "9a9979c1-14cd-41c5-9606-4856e47fb8d1": [ "5b5ad278-fea3-4851-b3cc-68b37a338adc" ], "f84a15f3-1f9a-4178-ad81-7844ed056f9c": [ "5b5ad278-fea3-4851-b3cc-68b37a338adc" ], "d2304ee5-32c8-4457-a7a7-f4e41fd24795": [ "d11f07f6-ee2a-455c-bd53-972ebad1ee1c" ], "76d57be8-4e89-4f8c-accd-e4e626d1d30b": [ "d11f07f6-ee2a-455c-bd53-972ebad1ee1c" ], "ccb9b88e-e2a6-4ef6-a7a0-73d9ce6817fc": [ "d11f07f6-ee2a-455c-bd53-972ebad1ee1c" ], "455cf82a-27e8-4bac-bdd4-ff4fe08501bd": [ "d11f07f6-ee2a-455c-bd53-972ebad1ee1c" ], "9a63c142-e4f6-4229-8640-06be30400c54": [ "d11f07f6-ee2a-455c-bd53-972ebad1ee1c" ], "3d67eb46-2dc5-468f-9e1d-85723d43ada6": [ "d11f07f6-ee2a-455c-bd53-972ebad1ee1c" ], "cff437e2-93f8-4895-ace7-a364067b5e3a": [ "d11f07f6-ee2a-455c-bd53-972ebad1ee1c" ], "d12e7202-419c-45c2-a8f0-cc128801d635": [ "d11f07f6-ee2a-455c-bd53-972ebad1ee1c" ], "28f7e757-b3a0-49ad-a0ad-56e8a0667f7d": [ "d11f07f6-ee2a-455c-bd53-972ebad1ee1c" ], "b567cf51-1339-47f4-98e4-311afb1b44df": [ "d11f07f6-ee2a-455c-bd53-972ebad1ee1c" ], "84a18920-ed71-4f80-85d8-4d190635b2ef": [ "4829f4e8-03cc-42fd-8bbf-6215b8cf9831" ], "f9c0c148-86f2-46fe-9188-c0df6c607347": [ "4829f4e8-03cc-42fd-8bbf-6215b8cf9831" ], "96d923d3-3414-433b-a03a-84574946b52f": [ "4829f4e8-03cc-42fd-8bbf-6215b8cf9831" ], "2e07ef73-0743-4bab-8243-fbf113e203f9": [ "4829f4e8-03cc-42fd-8bbf-6215b8cf9831" ], "18f06603-b199-4910-bed3-30f426f40402": [ "4829f4e8-03cc-42fd-8bbf-6215b8cf9831" ], "bf238a12-5317-4c7a-bc9f-bd29d4f26879": [ "4829f4e8-03cc-42fd-8bbf-6215b8cf9831" ], "8ea18034-f4d4-4883-828d-3423b0a8f624": [ "4829f4e8-03cc-42fd-8bbf-6215b8cf9831" ], "6aa15b4e-6b7b-4337-9b34-c34ffcd3f5c6": [ "4829f4e8-03cc-42fd-8bbf-6215b8cf9831" ], "0fedb2a6-792e-47d4-b528-51cabdcb8f7c": [ "4829f4e8-03cc-42fd-8bbf-6215b8cf9831" ], "af0ab72c-68cd-4c96-b575-fb3112c6b965": [ "4829f4e8-03cc-42fd-8bbf-6215b8cf9831" ], "e627ff91-6a0a-496b-a252-cd1c75fe361a": [ "04654fff-d414-4942-b8b9-a0ad2bfb61d9" ], "278fe02c-9952-4e12-b7ec-25db6dfaf182": [ "04654fff-d414-4942-b8b9-a0ad2bfb61d9" ], "13f798a4-ef6c-40f9-b998-c99228523447": [ "04654fff-d414-4942-b8b9-a0ad2bfb61d9" ], "04174832-a598-4e64-ad39-545dc4f5ad0d": [ "04654fff-d414-4942-b8b9-a0ad2bfb61d9" ], "4b47a7d6-3f9f-4c3f-ab6f-1e1f5722a61b": [ "04654fff-d414-4942-b8b9-a0ad2bfb61d9" ], "459fcecd-1f45-458f-8bdc-034dd88ffb64": [ "04654fff-d414-4942-b8b9-a0ad2bfb61d9" ], "06403e3a-32c3-41ff-bb7b-fb206f27d1fc": [ "04654fff-d414-4942-b8b9-a0ad2bfb61d9" ], "4e7a067b-c482-405c-bc6d-d4c8a39b6d08": [ "04654fff-d414-4942-b8b9-a0ad2bfb61d9" ], "7137d8ae-0e64-457f-a8eb-b7d4bc2dd9a9": [ "04654fff-d414-4942-b8b9-a0ad2bfb61d9" ], "b2a7298a-e98b-4b30-87ad-cadb642434f9": [ "04654fff-d414-4942-b8b9-a0ad2bfb61d9" ], "4b04ce4e-9ce1-4dce-8150-278294f32122": [ "0c0048ee-6981-443c-8297-eba91d2f7b62" ], "4d4b23f0-5bf6-4f3b-b8cc-c7194c948b44": [ "0c0048ee-6981-443c-8297-eba91d2f7b62" ], "dc0075b1-2446-4120-8e06-7f25af2e2cd6": [ "0c0048ee-6981-443c-8297-eba91d2f7b62" ], "2561129d-ca24-4bf0-b562-8264c5a96444": [ "0c0048ee-6981-443c-8297-eba91d2f7b62" ], "20ceae0a-334a-4a60-bb83-0284cb6d9ae2": [ "0c0048ee-6981-443c-8297-eba91d2f7b62" ], "8a235c50-ad41-46b5-8e10-5667273ce705": [ "0c0048ee-6981-443c-8297-eba91d2f7b62" ], "867cdbd6-8838-4f01-bc3b-c7fa3fa02bd5": [ "0c0048ee-6981-443c-8297-eba91d2f7b62" ], "dce90e88-e683-48d2-b403-8d6622af82c1": [ "0c0048ee-6981-443c-8297-eba91d2f7b62" ], "cd19488f-00d0-4f48-8cb4-f2041e2f5dd6": [ "0c0048ee-6981-443c-8297-eba91d2f7b62" ], "e39833d6-a6d1-4d90-b2e7-8b5ffa326308": [ "0c0048ee-6981-443c-8297-eba91d2f7b62" ], "bd7ddd85-7209-4e90-bc7b-68ea6bdd20fe": [ "cc01d628-8bcb-412d-8c69-3e54ce23ac54" ], "5222bc45-08e5-4ea7-93b5-3d45248d7968": [ "cc01d628-8bcb-412d-8c69-3e54ce23ac54" ], "b5e1c098-3f95-4c28-bdd7-a95d94c23605": [ "cc01d628-8bcb-412d-8c69-3e54ce23ac54" ], "3d71cf34-dd7e-48ac-8169-ff9b6e2efbb4": [ "cc01d628-8bcb-412d-8c69-3e54ce23ac54" ], "841d3999-5629-42fa-9c53-38c448efcd5e": [ "cc01d628-8bcb-412d-8c69-3e54ce23ac54" ], "f83eacd8-c98d-4238-8721-11184a00465f": [ "cc01d628-8bcb-412d-8c69-3e54ce23ac54" ], "3fbe5884-678b-4653-9105-227cb528957f": [ "cc01d628-8bcb-412d-8c69-3e54ce23ac54" ], "86b90c89-c700-426d-b38a-6e31ad32ffcd": [ "cc01d628-8bcb-412d-8c69-3e54ce23ac54" ], "aad1fa02-fdb8-428b-998c-108fd3b07e27": [ "cc01d628-8bcb-412d-8c69-3e54ce23ac54" ], "1b07eca7-f894-44a7-99b8-a0bd00090279": [ "cc01d628-8bcb-412d-8c69-3e54ce23ac54" ], "735e3c7c-0322-4cbd-8ce8-2fc333cceaa6": [ "470443a7-cd05-4cde-9007-71a0aeb6bba9" ], "c1a0d034-f91d-4052-8bee-5d1adc92c24f": [ "470443a7-cd05-4cde-9007-71a0aeb6bba9" ], "1a60815a-7bd4-44e8-8402-62ac835474e2": [ "470443a7-cd05-4cde-9007-71a0aeb6bba9" ], "6bae507e-5d5c-47fd-abbb-cc1cd4775bcc": [ "470443a7-cd05-4cde-9007-71a0aeb6bba9" ], "9643f891-6d5b-4db3-a06c-28833c040715": [ "470443a7-cd05-4cde-9007-71a0aeb6bba9" ], "4f119487-1d13-48e1-9211-7cac82fe0f0c": [ "470443a7-cd05-4cde-9007-71a0aeb6bba9" ], "26912dac-652f-4d77-86f1-359c4d2358e8": [ "470443a7-cd05-4cde-9007-71a0aeb6bba9" ], "72b4a922-8b3f-47d2-813f-c45f0a9e4e04": [ "470443a7-cd05-4cde-9007-71a0aeb6bba9" ], "f5b8552f-d6e0-42f4-b6b9-f8b6b767d692": [ "470443a7-cd05-4cde-9007-71a0aeb6bba9" ], "b1e3dd1c-fcdf-4a65-8c4a-b8c2a98d7fdd": [ "470443a7-cd05-4cde-9007-71a0aeb6bba9" ], "d28a7c28-da68-43e9-89d0-47b717398231": [ "f4755aa2-6ca6-44bc-aeb0-b5115221ba58" ], "6b7412a0-1c4d-4468-bec5-a7967994c5fd": [ "f4755aa2-6ca6-44bc-aeb0-b5115221ba58" ], "54a426ec-2c70-4aff-a6fb-c17606d9f0b2": [ "f4755aa2-6ca6-44bc-aeb0-b5115221ba58" ], "b383b056-cb25-46b7-a245-0a59845fe5cf": [ "f4755aa2-6ca6-44bc-aeb0-b5115221ba58" ], "6b56e80a-ff2b-4244-b4b3-272a4b13c1d8": [ "f4755aa2-6ca6-44bc-aeb0-b5115221ba58" ], "e8faa95f-e730-4dd3-8b98-c98be160d6c6": [ "f4755aa2-6ca6-44bc-aeb0-b5115221ba58" ], "7247aed2-b6f1-473a-8391-35079af9d76f": [ "f4755aa2-6ca6-44bc-aeb0-b5115221ba58" ], "51baee35-235c-4f80-9c1b-39cbbe18a658": [ "f4755aa2-6ca6-44bc-aeb0-b5115221ba58" ], "d37e332a-c2b6-40aa-adf3-2cb0e6711e95": [ "f4755aa2-6ca6-44bc-aeb0-b5115221ba58" ], "0a38dbbd-ec8c-49c4-9fc0-28cd4d056e10": [ "f4755aa2-6ca6-44bc-aeb0-b5115221ba58" ], "5c7f4195-bf7a-4978-ab48-7e3cc5660496": [ "92e8172a-59b6-4622-84fe-9df1cffc12c9" ], "eef6dd57-3c5e-4b18-a28f-a6b944557bad": [ "92e8172a-59b6-4622-84fe-9df1cffc12c9" ], "fc0f50c0-95bd-4be5-8ab8-aa751773a398": [ "92e8172a-59b6-4622-84fe-9df1cffc12c9" ], "4ab55f07-0ade-4cea-838f-6430227d7cc4": [ "92e8172a-59b6-4622-84fe-9df1cffc12c9" ], "f07183d8-305c-4bc3-be4f-d68852ad2e84": [ "92e8172a-59b6-4622-84fe-9df1cffc12c9" ], "1178a5f1-c220-4274-b8db-7d778d85f3b7": [ "92e8172a-59b6-4622-84fe-9df1cffc12c9" ], "35380c3a-1275-49a8-b550-674368c51a66": [ "92e8172a-59b6-4622-84fe-9df1cffc12c9" ], "18216eac-4f18-4740-8e93-e12568695275": [ "92e8172a-59b6-4622-84fe-9df1cffc12c9" ], "ad6398dd-3d3e-4a0c-a1ea-9039828e1c62": [ "92e8172a-59b6-4622-84fe-9df1cffc12c9" ], "c005164a-2a5b-421e-bf77-f8e6866f5a90": [ "92e8172a-59b6-4622-84fe-9df1cffc12c9" ], "7ee6df95-4fab-4020-a833-adbe4d9c48d8": [ "0ee5ea42-8735-42a5-95b2-7d637df2bfb7" ], "78275466-e4a4-4ace-8927-1647c84f9f7d": [ "0ee5ea42-8735-42a5-95b2-7d637df2bfb7" ], "db6120f5-194b-47b3-bd62-3701884dd722": [ "0ee5ea42-8735-42a5-95b2-7d637df2bfb7" ], "909d926e-729a-479a-acff-1d8ddd55f489": [ "0ee5ea42-8735-42a5-95b2-7d637df2bfb7" ], "5405830d-89bf-46c0-9ad0-801a7e56549b": [ "0ee5ea42-8735-42a5-95b2-7d637df2bfb7" ], "0e66917e-6fc3-4791-bb3b-e0d87cde6b90": [ "0ee5ea42-8735-42a5-95b2-7d637df2bfb7" ], "5a7b6ce4-f3f2-48ff-81bd-3891d30748aa": [ "0ee5ea42-8735-42a5-95b2-7d637df2bfb7" ], "90d5ea12-acb4-407a-b308-6e0cbfeeecb4": [ "0ee5ea42-8735-42a5-95b2-7d637df2bfb7" ], "7db929a1-3422-4b65-8953-082776ff7d50": [ "0ee5ea42-8735-42a5-95b2-7d637df2bfb7" ], "78eda450-032a-49c5-b73f-5ecab03f2a8d": [ "0ee5ea42-8735-42a5-95b2-7d637df2bfb7" ], "5bead797-a72a-454e-b28d-ebf3aab0feb0": [ "3163e1ca-5032-4dbd-abe7-53f78efa7f86" ], "320b160a-cc5a-4b40-80ef-d75a0271a57e": [ "3163e1ca-5032-4dbd-abe7-53f78efa7f86" ], "6eaee800-1d4b-4daf-9d75-ccab3870f184": [ "3163e1ca-5032-4dbd-abe7-53f78efa7f86" ], "9745d101-6066-4def-9f2b-e7705a3d99bd": [ "3163e1ca-5032-4dbd-abe7-53f78efa7f86" ], "46c41a1d-1192-402e-9451-2ee3c9548971": [ "3163e1ca-5032-4dbd-abe7-53f78efa7f86" ], "337b3524-5bba-4c72-8616-99166578b526": [ "3163e1ca-5032-4dbd-abe7-53f78efa7f86" ], "5c6ee31d-36c9-45a7-88b9-c2b47a166e05": [ "3163e1ca-5032-4dbd-abe7-53f78efa7f86" ], "554b0e69-b953-4ae5-a593-0bdbb40c49ed": [ "3163e1ca-5032-4dbd-abe7-53f78efa7f86" ], "e627b5d7-6eb8-4818-8a2a-c3ac07ecb35f": [ "3163e1ca-5032-4dbd-abe7-53f78efa7f86" ], "b3186f19-29c5-4628-9d7a-9a03db00ea97": [ "3163e1ca-5032-4dbd-abe7-53f78efa7f86" ], "7b462c37-f335-4953-b165-6bb1842020a4": [ "1c783cac-9301-4b8f-a264-3281caf0aa16" ], "77dd387c-85ef-4082-8c3d-7e780f58b2f8": [ "1c783cac-9301-4b8f-a264-3281caf0aa16" ], "456d9367-f3f2-44e4-9ce8-5ed295bd1eab": [ "1c783cac-9301-4b8f-a264-3281caf0aa16" ], "ec53c333-f3ff-445f-b796-94c2ae13d78e": [ "1c783cac-9301-4b8f-a264-3281caf0aa16" ], "b16c0ccd-40aa-42ae-9b93-e9703303f3ea": [ "1c783cac-9301-4b8f-a264-3281caf0aa16" ], "310757df-1fe6-4348-9e2f-2e15a2b6d281": [ "1c783cac-9301-4b8f-a264-3281caf0aa16" ], "08c9c6c8-b2ae-496a-b834-19636e526689": [ "1c783cac-9301-4b8f-a264-3281caf0aa16" ], "ac5d6d6f-86d1-4bca-a0fe-8d5d0da29869": [ "1c783cac-9301-4b8f-a264-3281caf0aa16" ], "bc23b6fd-f959-4789-a032-e4763867e0a1": [ "1c783cac-9301-4b8f-a264-3281caf0aa16" ], "94cf76df-bee3-4b40-8921-9ad9d0010a94": [ "1c783cac-9301-4b8f-a264-3281caf0aa16" ], "5fd8a040-f818-4f48-91bf-cc589628911c": [ "6e5db50c-f886-44df-9f79-d331f7464ea6" ], "a715dc6d-130e-46bb-8734-730bc6898dd2": [ "6e5db50c-f886-44df-9f79-d331f7464ea6" ], "28861269-2a9f-4f96-9241-c4b39c9bb6b4": [ "6e5db50c-f886-44df-9f79-d331f7464ea6" ], "f669fb12-f2f6-4d29-8e7b-65ff34ebbceb": [ "6e5db50c-f886-44df-9f79-d331f7464ea6" ], "51fb187c-b9ed-4fc1-bd6d-4ff3257a7481": [ "6e5db50c-f886-44df-9f79-d331f7464ea6" ], "5d656ed2-a01f-4427-913c-e86b3b8125e5": [ "6e5db50c-f886-44df-9f79-d331f7464ea6" ], "2d4a3bf3-b076-4186-a26a-48aa4b31aaba": [ "6e5db50c-f886-44df-9f79-d331f7464ea6" ], "bad08619-4647-4e68-8ece-01a1296b7fcc": [ "6e5db50c-f886-44df-9f79-d331f7464ea6" ], "3eddcc18-0083-4fd8-a7c9-8026ef44d39e": [ "6e5db50c-f886-44df-9f79-d331f7464ea6" ], "a5f7b487-894c-44fa-8d2c-5bf4d2a8d614": [ "6e5db50c-f886-44df-9f79-d331f7464ea6" ], "e7ca5edb-da34-48e4-86df-b62a5108a8a8": [ "b601c6f0-96e4-4df4-84cb-1e39a7ffd63b" ], "c76e9e7a-2e6a-49ec-9df6-befd7074d2f8": [ "b601c6f0-96e4-4df4-84cb-1e39a7ffd63b" ], "4224618e-ad43-40b7-a3bd-da9469fc5a3c": [ "b601c6f0-96e4-4df4-84cb-1e39a7ffd63b" ], "9ece3e76-c4fa-47ff-9d2a-f75c533e75cd": [ "b601c6f0-96e4-4df4-84cb-1e39a7ffd63b" ], "bf71c15f-a0f3-4038-9c87-0641fc4b6dad": [ "b601c6f0-96e4-4df4-84cb-1e39a7ffd63b" ], "c5939972-1888-4148-a864-01ffb85facac": [ "b601c6f0-96e4-4df4-84cb-1e39a7ffd63b" ], "34fe98da-9742-4df5-8347-d946aa8f6bbf": [ "b601c6f0-96e4-4df4-84cb-1e39a7ffd63b" ], "c442c1eb-706b-4a51-a993-6312f1d2812c": [ "b601c6f0-96e4-4df4-84cb-1e39a7ffd63b" ], "6b1d6c01-c758-45d7-8788-3b2f88689a19": [ "b601c6f0-96e4-4df4-84cb-1e39a7ffd63b" ], "a5ee1277-1aa5-4a6d-9cad-eadcadf5ea15": [ "b601c6f0-96e4-4df4-84cb-1e39a7ffd63b" ], "495d1c80-8c89-4d8d-b0d7-1ee55ba1a24b": [ "ccca0e63-9de6-4a4b-9ef2-4dc9f8a49b44" ], "a6c225c4-cd88-4d91-a4d4-9e490754c938": [ "ccca0e63-9de6-4a4b-9ef2-4dc9f8a49b44" ], "c52f7407-2baa-4b08-934e-67bc5188d6a2": [ "ccca0e63-9de6-4a4b-9ef2-4dc9f8a49b44" ], "7b77d72f-007d-4614-88ae-0620c08427b2": [ "ccca0e63-9de6-4a4b-9ef2-4dc9f8a49b44" ], "917c82e9-6477-4071-8556-bcba15c3f7d1": [ "ccca0e63-9de6-4a4b-9ef2-4dc9f8a49b44" ], "1b78f038-e9a2-4ca0-b4ec-5df2f78055a9": [ "ccca0e63-9de6-4a4b-9ef2-4dc9f8a49b44" ], "f3288e49-81a2-4541-96eb-b58e68fb4abc": [ "ccca0e63-9de6-4a4b-9ef2-4dc9f8a49b44" ], "24865d50-0da9-4af1-8c53-dfbe888df9b4": [ "ccca0e63-9de6-4a4b-9ef2-4dc9f8a49b44" ], "2760ca63-4992-4716-890d-55e11e4bb0a7": [ "ccca0e63-9de6-4a4b-9ef2-4dc9f8a49b44" ], "7d427558-1376-4073-8009-01db0c3997e7": [ "ccca0e63-9de6-4a4b-9ef2-4dc9f8a49b44" ], "9c51b492-e63d-4b02-835e-ff3aaa01c0f2": [ "9b5f3a41-57ae-4237-964f-1a96e9e027bb" ], "7007f1e9-1901-4cfc-8013-bf7c209b72c3": [ "9b5f3a41-57ae-4237-964f-1a96e9e027bb" ], "24f63da2-cef3-43ff-93f4-19603e1c2364": [ "9b5f3a41-57ae-4237-964f-1a96e9e027bb" ], "c3980efa-0c1c-4c4f-8408-bd980dc6b6c5": [ "9b5f3a41-57ae-4237-964f-1a96e9e027bb" ], "a3ee05b0-89ad-4673-8757-46b4ce440c60": [ "9b5f3a41-57ae-4237-964f-1a96e9e027bb" ], "7bf933ab-0a26-453e-b6b0-e34218322687": [ "9b5f3a41-57ae-4237-964f-1a96e9e027bb" ], "0ad6ead4-5640-48d6-a12d-c456088d0b64": [ "9b5f3a41-57ae-4237-964f-1a96e9e027bb" ], "e6a1de8d-9fc3-4005-b6a3-f8416380f908": [ "9b5f3a41-57ae-4237-964f-1a96e9e027bb" ], "dcfb7da1-b585-4232-a762-8c7dd781670f": [ "9b5f3a41-57ae-4237-964f-1a96e9e027bb" ], "508d1563-4b35-49e8-8c41-0bf79bf025c5": [ "9b5f3a41-57ae-4237-964f-1a96e9e027bb" ], "9fe41823-6149-4c93-aabd-4fb2e1239af3": [ "79e0f0b5-378b-4e3a-b997-78cfbc505fc8" ], "09b4760c-a9c1-4c27-be71-dd7820084cc1": [ "79e0f0b5-378b-4e3a-b997-78cfbc505fc8" ], "d6058b80-b3f2-432f-b400-a95d9e9fbe79": [ "79e0f0b5-378b-4e3a-b997-78cfbc505fc8" ], "5aa70237-b5ec-4618-acf9-bf828d348bac": [ "79e0f0b5-378b-4e3a-b997-78cfbc505fc8" ], "58fd9863-74f9-4e19-94b1-7c993d4ad764": [ "79e0f0b5-378b-4e3a-b997-78cfbc505fc8" ], "56661e4c-5d94-468f-9d0b-3aac571f3378": [ "79e0f0b5-378b-4e3a-b997-78cfbc505fc8" ], "7cdf8643-f713-4b00-83a8-e83875d5601a": [ "79e0f0b5-378b-4e3a-b997-78cfbc505fc8" ], "c978da6f-beb6-4ac2-bc2e-cabc9468ebc2": [ "79e0f0b5-378b-4e3a-b997-78cfbc505fc8" ], "201b5feb-4583-4b7b-aee8-b66e83ff3486": [ "79e0f0b5-378b-4e3a-b997-78cfbc505fc8" ], "15582b49-bd85-44ee-acf7-c822af096494": [ "79e0f0b5-378b-4e3a-b997-78cfbc505fc8" ], "a48eaba4-96f2-4560-b56a-850a368f4eeb": [ "7ec5a6f2-62d5-47d2-918e-6279acfae84c" ], "9fcf0fd2-d91c-45aa-9594-deeb7a0c451d": [ "7ec5a6f2-62d5-47d2-918e-6279acfae84c" ], "34fadf6b-e69c-4ede-bf69-962cee346794": [ "7ec5a6f2-62d5-47d2-918e-6279acfae84c" ], "02507b99-cedb-44fd-84f1-638b4bb405b1": [ "7ec5a6f2-62d5-47d2-918e-6279acfae84c" ], "d7ec3aca-70a2-4607-839c-3d65a34691f8": [ "7ec5a6f2-62d5-47d2-918e-6279acfae84c" ], "65d687cb-668b-48cd-8323-6bba8deffd0c": [ "7ec5a6f2-62d5-47d2-918e-6279acfae84c" ], "b06c7f1a-e06f-4d06-90bc-804fda24e39d": [ "7ec5a6f2-62d5-47d2-918e-6279acfae84c" ], "de38fe43-0424-46a7-bd68-b0ec7c895434": [ "7ec5a6f2-62d5-47d2-918e-6279acfae84c" ], "8c252f3a-1228-4289-92c5-12469649a93a": [ "7ec5a6f2-62d5-47d2-918e-6279acfae84c" ], "a1f4f509-6975-4dec-89b3-3fe8b6daa6ae": [ "7ec5a6f2-62d5-47d2-918e-6279acfae84c" ], "ff5ad7d3-fc28-4b64-94f6-6b85b8016d16": [ "b3c3802d-8d6b-45e8-838b-46947bebd021" ], "70799db9-24e6-41c3-b93b-8f80c0eacd55": [ "b3c3802d-8d6b-45e8-838b-46947bebd021" ], "aba76b79-3c5f-4eea-a757-fa9ba2d32aa6": [ "b3c3802d-8d6b-45e8-838b-46947bebd021" ], "f727aff0-1dbd-46ce-af2d-e62478122555": [ "b3c3802d-8d6b-45e8-838b-46947bebd021" ], "6396f3ab-735f-44a2-abfd-a36671274b12": [ "b3c3802d-8d6b-45e8-838b-46947bebd021" ], "e4601f35-19b0-4808-876e-c7c519cbf481": [ "b3c3802d-8d6b-45e8-838b-46947bebd021" ], "75d64e9f-3817-449c-9d70-14e1f97aaaf0": [ "b3c3802d-8d6b-45e8-838b-46947bebd021" ], "fd2be2e9-5053-4bb1-b2da-3c7903554045": [ "b3c3802d-8d6b-45e8-838b-46947bebd021" ], "101b6f91-269d-4206-85e2-e3fe89c63d6b": [ "b3c3802d-8d6b-45e8-838b-46947bebd021" ], "a660ed13-a6a1-46a2-a41c-9cffe1c3db00": [ "b3c3802d-8d6b-45e8-838b-46947bebd021" ], "0ca50145-85d0-4756-85f4-cc1ac6de0ff3": [ "931040a6-8f2d-47d6-a73f-09261384cd1b" ], "54f36316-f29c-4dbf-a913-1d109368d339": [ "931040a6-8f2d-47d6-a73f-09261384cd1b" ], "493695dd-698b-4a39-ad18-58563e288687": [ "931040a6-8f2d-47d6-a73f-09261384cd1b" ], "5d93e30f-eaec-4117-a3a5-c63f6a65cf64": [ "931040a6-8f2d-47d6-a73f-09261384cd1b" ], "4db718c4-7023-4cfa-8340-2147d908e4d2": [ "931040a6-8f2d-47d6-a73f-09261384cd1b" ], "0236f50e-52ba-4401-8362-52bdf3b984b0": [ "931040a6-8f2d-47d6-a73f-09261384cd1b" ], "6eebd049-26cd-41bc-b9a4-c700daa8e7c7": [ "931040a6-8f2d-47d6-a73f-09261384cd1b" ], "7e6ed48c-45b6-4f5f-8d7f-e9b2c742c2af": [ "931040a6-8f2d-47d6-a73f-09261384cd1b" ], "68542170-cfd4-4a8f-9ca5-a98a6684be3f": [ "931040a6-8f2d-47d6-a73f-09261384cd1b" ], "5db3adf9-5e50-4fa7-871d-37b4964f6d2e": [ "931040a6-8f2d-47d6-a73f-09261384cd1b" ], "5b18b589-bdb5-414d-9b55-9d1ae75178cb": [ "c14fd78f-eb63-487f-99ce-9006bb99cf9f" ], "3498cfc3-5fe5-40ad-8b76-b930f38b4557": [ "c14fd78f-eb63-487f-99ce-9006bb99cf9f" ], "ac31c97c-6d9c-475a-b898-35a6468245e6": [ "c14fd78f-eb63-487f-99ce-9006bb99cf9f" ], "fa89a11c-fe32-4846-9236-205a877fdad9": [ "c14fd78f-eb63-487f-99ce-9006bb99cf9f" ], "f27a74e1-0f83-46bf-9dda-9f6b8585b0d2": [ "c14fd78f-eb63-487f-99ce-9006bb99cf9f" ], "042dfb7c-855d-4484-a62f-575463e7011f": [ "c14fd78f-eb63-487f-99ce-9006bb99cf9f" ], "69d1b16e-e9c5-463b-931b-29290e85d11c": [ "c14fd78f-eb63-487f-99ce-9006bb99cf9f" ], "fd668cef-ba3f-4dab-88c1-4e68a24d2e93": [ "c14fd78f-eb63-487f-99ce-9006bb99cf9f" ], "fe810f7d-f548-4046-8bfd-563d096062e7": [ "c14fd78f-eb63-487f-99ce-9006bb99cf9f" ], "28ddb772-6d25-45e9-8b1d-2b38b398b155": [ "c14fd78f-eb63-487f-99ce-9006bb99cf9f" ], "4960038b-ff60-49a5-9448-48c696d2f77c": [ "d2b06492-0b77-49ef-83f0-1cbfee219db4" ], "c7692f06-8cc8-4e3d-be82-3b714299935c": [ "d2b06492-0b77-49ef-83f0-1cbfee219db4" ], "450fe829-ee2a-4585-a76f-2f24d973d04d": [ "d2b06492-0b77-49ef-83f0-1cbfee219db4" ], "0ce7d62d-793d-4283-82ae-89050a21ec67": [ "d2b06492-0b77-49ef-83f0-1cbfee219db4" ], "907cae0a-3496-4c72-90c6-4eae1ecafe11": [ "d2b06492-0b77-49ef-83f0-1cbfee219db4" ], "575591dd-5e49-4249-9b05-ee6d80dd2b39": [ "d2b06492-0b77-49ef-83f0-1cbfee219db4" ], "836e53e8-49a8-4e42-9758-a7a4c27edbd9": [ "d2b06492-0b77-49ef-83f0-1cbfee219db4" ], "b7d2a52a-3892-4b94-a0b7-dfb56f12fc50": [ "d2b06492-0b77-49ef-83f0-1cbfee219db4" ], "d178da92-6408-42e1-b92c-23120de23a0e": [ "d2b06492-0b77-49ef-83f0-1cbfee219db4" ], "12d3a05a-b20a-42ce-aff9-df1acd376abd": [ "d2b06492-0b77-49ef-83f0-1cbfee219db4" ], "03413a37-aaf7-41e4-9490-89d4f6b0106d": [ "d8e49304-aab5-4fbd-b948-a147ea6c4c90" ], "ec01ae41-2036-45b0-a556-69d49c2aeb21": [ "d8e49304-aab5-4fbd-b948-a147ea6c4c90" ], "6534b4ba-9ab6-4641-bd10-c731f6dd2780": [ "d8e49304-aab5-4fbd-b948-a147ea6c4c90" ], "56b7370f-dae9-4c7a-bde3-e05fba0392e2": [ "d8e49304-aab5-4fbd-b948-a147ea6c4c90" ], "2eefaaba-f264-4642-ba5a-c48851b642bd": [ "d8e49304-aab5-4fbd-b948-a147ea6c4c90" ], "dcc3dcc6-ce67-4af8-a670-9b76bafcfd6b": [ "d8e49304-aab5-4fbd-b948-a147ea6c4c90" ], "b141b3f2-4c91-46ff-9b34-2079fa130a3e": [ "d8e49304-aab5-4fbd-b948-a147ea6c4c90" ], "4d4ffcb6-ca94-41ab-a8d4-f817d8017531": [ "d8e49304-aab5-4fbd-b948-a147ea6c4c90" ], "938c85b9-4644-445d-83b4-dece32b0d22c": [ "d8e49304-aab5-4fbd-b948-a147ea6c4c90" ], "db18dd93-ec9b-4011-b33d-0ad9c2f6c94c": [ "d8e49304-aab5-4fbd-b948-a147ea6c4c90" ], "1f5809e5-9a3d-45c3-96ba-5c35ce6d1d43": [ "4b277b54-5937-427a-81ae-20d796f782ee" ], "c638f822-00ea-419f-8b3f-b5323455eec6": [ "4b277b54-5937-427a-81ae-20d796f782ee" ], "47e88009-c23d-4f09-b409-df6381febd12": [ "4b277b54-5937-427a-81ae-20d796f782ee" ], "c1f8a2cb-4672-40fc-9c07-263e9caf2041": [ "4b277b54-5937-427a-81ae-20d796f782ee" ], "23dc967b-14a1-45d7-8af0-9f0d7f36b0f9": [ "4b277b54-5937-427a-81ae-20d796f782ee" ], "2f8c41ad-109f-4b0a-b0cc-c9efcebf0015": [ "4b277b54-5937-427a-81ae-20d796f782ee" ], "c8df1487-9fac-42ef-b432-b89bc934bdb4": [ "4b277b54-5937-427a-81ae-20d796f782ee" ], "29796aa4-d184-4758-acee-eb067a577488": [ "4b277b54-5937-427a-81ae-20d796f782ee" ], "09f82a3b-2614-478f-8f64-dfb73c9b371e": [ "4b277b54-5937-427a-81ae-20d796f782ee" ], "eb976810-76ee-4395-93e2-980090448f35": [ "4b277b54-5937-427a-81ae-20d796f782ee" ], "1acc557a-40b8-4e12-a6ac-7d93e5ede3b0": [ "0045a480-0d1f-4714-bda7-2105f5c41006" ], "3a006c50-53d7-4372-9dde-94a33ca8fb82": [ "0045a480-0d1f-4714-bda7-2105f5c41006" ], "ca45f570-425a-4a48-b0d2-5b9124f97826": [ "0045a480-0d1f-4714-bda7-2105f5c41006" ], "43a6dc38-e9d7-47af-adc7-a8b24ce0307f": [ "0045a480-0d1f-4714-bda7-2105f5c41006" ], "55939b2f-47f3-4120-a4c6-97b923fcfb61": [ "0045a480-0d1f-4714-bda7-2105f5c41006" ], "c0289426-b31c-4b53-8a53-cf4034a7eef0": [ "0045a480-0d1f-4714-bda7-2105f5c41006" ], "3b839a49-3746-41dd-bc1d-fb6187c5c871": [ "0045a480-0d1f-4714-bda7-2105f5c41006" ], "a12465c3-3d94-453e-9ef0-813588271c37": [ "0045a480-0d1f-4714-bda7-2105f5c41006" ], "50874945-ddea-4088-bf06-b20144d930cd": [ "0045a480-0d1f-4714-bda7-2105f5c41006" ], "ecf783f6-d48b-4fe6-9806-431f5e2a49b5": [ "0045a480-0d1f-4714-bda7-2105f5c41006" ], "f216ff50-fca1-4279-9043-8755c39b3da6": [ "0df297ec-9235-4bf8-89fa-aceb758676ef" ], "87061b8b-063f-4b8c-99fe-f20a2b1e22a1": [ "0df297ec-9235-4bf8-89fa-aceb758676ef" ], "5fa8b6c6-982b-4baf-8011-a04f9df22395": [ "0df297ec-9235-4bf8-89fa-aceb758676ef" ], "9ed60c70-25ad-4778-8b96-fdd4027b709e": [ "0df297ec-9235-4bf8-89fa-aceb758676ef" ], "4b11e95c-4c87-488b-b7cc-c12b410121f8": [ "0df297ec-9235-4bf8-89fa-aceb758676ef" ], "78f47501-88ce-48b1-b866-5144ac5a197a": [ "0df297ec-9235-4bf8-89fa-aceb758676ef" ], "403bae8c-4af9-45ce-852d-1245e068042d": [ "0df297ec-9235-4bf8-89fa-aceb758676ef" ], "31b54a3e-7c27-43c4-b3a6-de060c138592": [ "0df297ec-9235-4bf8-89fa-aceb758676ef" ], "a16a1d21-a460-43de-b876-5a1c5b0019e4": [ "0df297ec-9235-4bf8-89fa-aceb758676ef" ], "a7986b68-7de5-4b7d-8bb6-11cbccaf80e1": [ "0df297ec-9235-4bf8-89fa-aceb758676ef" ], "ace67147-44e7-43c4-bef6-5a24edf5c73b": [ "c807dd0a-87e5-4aa7-a144-ebaf132097f8" ], "bae75a1f-c798-44f0-b608-1478030e34a8": [ "c807dd0a-87e5-4aa7-a144-ebaf132097f8" ], "7e3d1bb0-be05-4761-af08-247852559777": [ "c807dd0a-87e5-4aa7-a144-ebaf132097f8" ], "74d57f5f-a433-4528-b4ad-b2c93c2d94e7": [ "c807dd0a-87e5-4aa7-a144-ebaf132097f8" ], "74da9284-bf97-450c-ae0b-d90902fe5372": [ "c807dd0a-87e5-4aa7-a144-ebaf132097f8" ], "ba3ef710-f884-4ea8-934d-264258dbeb35": [ "c807dd0a-87e5-4aa7-a144-ebaf132097f8" ], "23c2d781-8f67-4064-812d-96e955c3a92a": [ "c807dd0a-87e5-4aa7-a144-ebaf132097f8" ], "b8a859e1-d309-48b3-b4ee-1d1606bf49ff": [ "c807dd0a-87e5-4aa7-a144-ebaf132097f8" ], "695bf8a6-408e-4346-a2d3-25638106c9c8": [ "c807dd0a-87e5-4aa7-a144-ebaf132097f8" ], "a2cf405b-b48a-4dfd-915b-613ba8806689": [ "c807dd0a-87e5-4aa7-a144-ebaf132097f8" ], "45ecbb2e-e97c-480f-8d86-a85b425ba395": [ "dace36ae-29aa-4413-9f72-4cc2aca945c1" ], "dce0d359-d944-45e9-9c7c-1755e9ef9a94": [ "dace36ae-29aa-4413-9f72-4cc2aca945c1" ], "6ee6e5a3-2a3c-4a73-9707-30192fc899dc": [ "dace36ae-29aa-4413-9f72-4cc2aca945c1" ], "5946ee9a-01aa-474e-aee1-da9c35601431": [ "dace36ae-29aa-4413-9f72-4cc2aca945c1" ], "ac2bb345-d5e5-41e7-b28a-5c86ab051c59": [ "dace36ae-29aa-4413-9f72-4cc2aca945c1" ], "9f8aaf45-f0ef-474a-a032-6cccb35c17ae": [ "dace36ae-29aa-4413-9f72-4cc2aca945c1" ], "80b43805-e5c6-4857-bdc8-0559f5682acd": [ "dace36ae-29aa-4413-9f72-4cc2aca945c1" ], "162e82cc-fdf1-4ce2-900d-7b21ec9bdf37": [ "dace36ae-29aa-4413-9f72-4cc2aca945c1" ], "c864bcd0-498d-43b8-a6c2-d779e08a93ca": [ "dace36ae-29aa-4413-9f72-4cc2aca945c1" ], "785e8efc-773b-488f-9666-c23b9a812f2c": [ "dace36ae-29aa-4413-9f72-4cc2aca945c1" ], "ef37a625-6034-4466-ad9b-060593f7f19f": [ "ce8b1e87-423b-4003-8b73-1263fda26aa6" ], "53d73f69-0c03-4352-b8a8-ba4c183e5b09": [ "ce8b1e87-423b-4003-8b73-1263fda26aa6" ], "3cfa3be8-3632-4390-aaa3-bbfa12b8ff73": [ "ce8b1e87-423b-4003-8b73-1263fda26aa6" ], "8ed537f5-5ab0-4cd5-9663-09f96e86f411": [ "ce8b1e87-423b-4003-8b73-1263fda26aa6" ], "f16272fb-0025-4468-90a6-4c76ccca1b79": [ "ce8b1e87-423b-4003-8b73-1263fda26aa6" ], "936ea04c-2aee-4146-b0ac-e4eae10fa0ab": [ "ce8b1e87-423b-4003-8b73-1263fda26aa6" ], "7666efe1-4b8b-4bf6-b512-28e4ef3046f0": [ "ce8b1e87-423b-4003-8b73-1263fda26aa6" ], "3fb77ff4-64a5-442b-9078-9c3248c042e0": [ "ce8b1e87-423b-4003-8b73-1263fda26aa6" ], "d0def21d-e67e-4ec8-93a8-031e07d779d6": [ "ce8b1e87-423b-4003-8b73-1263fda26aa6" ], "162bc6a3-882a-41be-97e9-e3d546d14395": [ "ce8b1e87-423b-4003-8b73-1263fda26aa6" ], "402b17c7-28d2-44a2-aa76-219dde6f8617": [ "612e8f78-5856-4ac4-9aa7-edfdfe7586c9" ], "726e85b0-fb2d-4f12-a80a-b4fab1904bd1": [ "612e8f78-5856-4ac4-9aa7-edfdfe7586c9" ], "ad723ddf-49c6-4b7a-b253-a7e8392960b4": [ "612e8f78-5856-4ac4-9aa7-edfdfe7586c9" ], "9873034e-6a69-4a14-b6ac-31ebf405bcb3": [ "612e8f78-5856-4ac4-9aa7-edfdfe7586c9" ], "722097a6-9b9b-4b9c-b2e6-bbae54088616": [ "612e8f78-5856-4ac4-9aa7-edfdfe7586c9" ], "0923c6b7-572c-4461-8e19-5ab131b75561": [ "612e8f78-5856-4ac4-9aa7-edfdfe7586c9" ], "c10c333d-b5bb-461f-9c74-5e49701b6897": [ "612e8f78-5856-4ac4-9aa7-edfdfe7586c9" ], "b6fdeaf2-322c-44f3-b0d7-06b8da0c5f5a": [ "612e8f78-5856-4ac4-9aa7-edfdfe7586c9" ], "2bf60b69-b0f0-4c94-8c7d-a9dd66e606f3": [ "612e8f78-5856-4ac4-9aa7-edfdfe7586c9" ], "28c5c63b-cbd4-49f5-8352-4ae1aaa42138": [ "612e8f78-5856-4ac4-9aa7-edfdfe7586c9" ], "1f0824a2-5a72-4d56-9e5a-7f2227f7d774": [ "3863c6aa-68ba-43c7-a375-df508e346e0f" ], "b76bdd7d-5270-48fd-9c89-f578217cf4d0": [ "3863c6aa-68ba-43c7-a375-df508e346e0f" ], "3fda41fc-77ca-46cb-a39b-fd69081a0b0c": [ "3863c6aa-68ba-43c7-a375-df508e346e0f" ], "49aeb72c-6c5b-4f7c-ada6-7a950ca019a1": [ "3863c6aa-68ba-43c7-a375-df508e346e0f" ], "2ea805be-5489-4a67-b034-048392bb6c9e": [ "3863c6aa-68ba-43c7-a375-df508e346e0f" ], "ba5e7375-e3fd-4d53-8a79-19e0b5479c32": [ "3863c6aa-68ba-43c7-a375-df508e346e0f" ], "9ba98c21-f509-4f7d-b8ef-25bb44c64bad": [ "3863c6aa-68ba-43c7-a375-df508e346e0f" ], "1cc48bc4-fd2d-456e-bcb3-5a6f11caa67a": [ "3863c6aa-68ba-43c7-a375-df508e346e0f" ], "189cbd24-2fba-44fe-a4f9-a03876c26c12": [ "3863c6aa-68ba-43c7-a375-df508e346e0f" ], "4b1d9ac8-04a6-4d9e-8cbf-4c884f83c16a": [ "3863c6aa-68ba-43c7-a375-df508e346e0f" ], "cfb80221-9118-4a31-bc6e-51ab1a635e26": [ "c295c22b-324a-4e3b-bfc7-868d4fca40a2" ], "ba9bbb56-5a9e-4cd9-afa8-1d9e76b764f0": [ "c295c22b-324a-4e3b-bfc7-868d4fca40a2" ], "283e4498-8806-4f57-a3a2-b6323ceb109d": [ "c295c22b-324a-4e3b-bfc7-868d4fca40a2" ], "974da1d9-bc18-4b64-a708-6a087a655b5f": [ "c295c22b-324a-4e3b-bfc7-868d4fca40a2" ], "c75f69d4-8419-4599-b1ae-b09c2a781113": [ "c295c22b-324a-4e3b-bfc7-868d4fca40a2" ], "fc66eb03-6a8d-4866-be9e-2de353cb1bd2": [ "c295c22b-324a-4e3b-bfc7-868d4fca40a2" ], "960b239c-2908-4d39-9611-c210b5f79402": [ "c295c22b-324a-4e3b-bfc7-868d4fca40a2" ], "f06149dc-1fd9-4977-917b-f0863bfaf953": [ "c295c22b-324a-4e3b-bfc7-868d4fca40a2" ], "da72953b-0c7d-45f6-9bb9-6e42f7b06ae1": [ "c295c22b-324a-4e3b-bfc7-868d4fca40a2" ], "f7cd2406-4db5-456b-b9de-dcc7d081c150": [ "c295c22b-324a-4e3b-bfc7-868d4fca40a2" ], "bfc7a02d-5501-4389-ab55-cc15855f46ce": [ "517cfd3b-efce-494d-ab42-78883b01f81e" ], "77a15766-005a-46ba-92be-6578ef30cb75": [ "517cfd3b-efce-494d-ab42-78883b01f81e" ], "8040f13b-9656-46a5-b08f-1cf5f49f3b26": [ "517cfd3b-efce-494d-ab42-78883b01f81e" ], "e9bbd238-ca99-42ba-8e5c-72d65564c02c": [ "517cfd3b-efce-494d-ab42-78883b01f81e" ], "f91cad4d-b564-470d-a135-cad2a704fd51": [ "517cfd3b-efce-494d-ab42-78883b01f81e" ], "9cedf891-cff2-4142-926f-a84538ec2bf5": [ "517cfd3b-efce-494d-ab42-78883b01f81e" ], "ae240a12-cb32-4cf6-b14e-c905960a2fef": [ "517cfd3b-efce-494d-ab42-78883b01f81e" ], "93874134-b1fc-4623-8c08-72871fefaf2a": [ "517cfd3b-efce-494d-ab42-78883b01f81e" ], "e241a1b6-4efe-4a51-92c6-eba5185faecb": [ "517cfd3b-efce-494d-ab42-78883b01f81e" ], "7639ec09-b205-4f3d-a3b4-cd770aebe17b": [ "517cfd3b-efce-494d-ab42-78883b01f81e" ], "ce690584-bbdb-4a3f-a948-89d32316f1ae": [ "89fbc34d-c71f-49d3-aa23-8a3a127bc91e" ], "02f0e8d2-b4ff-48a6-94a6-c6f729fbf031": [ "89fbc34d-c71f-49d3-aa23-8a3a127bc91e" ], "614c847f-3974-47be-b7b3-1df0eab75c9b": [ "89fbc34d-c71f-49d3-aa23-8a3a127bc91e" ], "bca60fe5-0203-4e98-ae04-bc26bc12e18e": [ "89fbc34d-c71f-49d3-aa23-8a3a127bc91e" ], "95891b2b-ce30-4e09-bf68-128d32b47dd1": [ "89fbc34d-c71f-49d3-aa23-8a3a127bc91e" ], "1e06ff74-1a5f-4982-9a04-d0ea3ed4f839": [ "89fbc34d-c71f-49d3-aa23-8a3a127bc91e" ], "a992618f-db0a-4e26-91a4-41a2f112eff0": [ "89fbc34d-c71f-49d3-aa23-8a3a127bc91e" ], "dcbc9ef8-5ffd-47b9-8886-2ec4e28ce684": [ "89fbc34d-c71f-49d3-aa23-8a3a127bc91e" ], "34d3a078-757f-4bb7-ab22-f39f82849878": [ "89fbc34d-c71f-49d3-aa23-8a3a127bc91e" ], "61d06cba-db2c-4aa9-a996-d2b9bcbb6c66": [ "89fbc34d-c71f-49d3-aa23-8a3a127bc91e" ], "21d42c4f-e4ca-4a68-af74-a3bd625b4421": [ "b2b83b57-4157-41a5-9997-6ca419531450" ], "ea658e36-128a-4a5b-857e-0ac450fd0969": [ "b2b83b57-4157-41a5-9997-6ca419531450" ], "8676e102-a1cb-4abc-8760-e4f4552aa630": [ "b2b83b57-4157-41a5-9997-6ca419531450" ], "4ca9aec8-c52a-4968-8088-c03e7fe8b4f2": [ "b2b83b57-4157-41a5-9997-6ca419531450" ], "b77f1042-c944-4c94-a0cb-92e20ff7d61f": [ "b2b83b57-4157-41a5-9997-6ca419531450" ], "136160f9-2b9d-4e86-a238-ac59a8018d55": [ "b2b83b57-4157-41a5-9997-6ca419531450" ], "1300f669-f1f4-46ad-b202-0242da89a27b": [ "b2b83b57-4157-41a5-9997-6ca419531450" ], "48448d60-5848-4053-bbaa-612bec0a5ba2": [ "b2b83b57-4157-41a5-9997-6ca419531450" ], "03075eed-e2ec-4776-9720-fa0d5c45e66f": [ "b2b83b57-4157-41a5-9997-6ca419531450" ], "ee283c7b-e05e-46a3-b97a-233d8ad45869": [ "b2b83b57-4157-41a5-9997-6ca419531450" ], "9e185464-6626-4a5b-9bc9-002d761ed4e8": [ "9bf76b67-e3c9-4ccc-83d0-8537684fa504" ], "54ef4c2e-3258-4708-ac0d-686190e72235": [ "9bf76b67-e3c9-4ccc-83d0-8537684fa504" ], "19551823-dbff-4fe1-b71c-0038dbd727ec": [ "9bf76b67-e3c9-4ccc-83d0-8537684fa504" ], "b9f6f95b-04a1-4082-81b8-be80862d479a": [ "9bf76b67-e3c9-4ccc-83d0-8537684fa504" ], "4f354b3a-1221-4a95-94e2-c24973213c7e": [ "9bf76b67-e3c9-4ccc-83d0-8537684fa504" ], "5ca13a80-2f7b-4931-820b-362152a470e6": [ "9bf76b67-e3c9-4ccc-83d0-8537684fa504" ], "488e4449-fcdc-4c04-9515-39c3e4d6f49c": [ "9bf76b67-e3c9-4ccc-83d0-8537684fa504" ], "d6eef191-d48a-4531-9425-ea98ae6c3dd7": [ "9bf76b67-e3c9-4ccc-83d0-8537684fa504" ], "d7fc230c-fe4e-498d-9448-85ea8afc367c": [ "9bf76b67-e3c9-4ccc-83d0-8537684fa504" ], "7d19be13-c359-4784-acf6-d51516fa311e": [ "9bf76b67-e3c9-4ccc-83d0-8537684fa504" ], "8a6eb7ed-9796-4967-a9a6-97e4be994f3b": [ "1fd8c80e-b6d1-42f4-aca7-464dc32be309" ], "77f18860-54bf-49e7-98f3-43d14a4d9c4f": [ "1fd8c80e-b6d1-42f4-aca7-464dc32be309" ], "a437cf45-3a30-4f10-819d-4d7240e5aea2": [ "1fd8c80e-b6d1-42f4-aca7-464dc32be309" ], "17d3f5b5-a461-4665-af61-7244415d99be": [ "1fd8c80e-b6d1-42f4-aca7-464dc32be309" ], "b50c3b7c-db02-48df-94e6-3aaa999316a0": [ "1fd8c80e-b6d1-42f4-aca7-464dc32be309" ], "b819c00d-c918-45c9-b8bb-bc552ce38b6e": [ "1fd8c80e-b6d1-42f4-aca7-464dc32be309" ], "cf2190a2-56da-46fc-b741-db40c57b4ece": [ "1fd8c80e-b6d1-42f4-aca7-464dc32be309" ], "847df947-9158-416b-b33d-6789dd8eb60e": [ "1fd8c80e-b6d1-42f4-aca7-464dc32be309" ], "834829ad-d8d6-4cef-81c1-cc283b9cd3a5": [ "1fd8c80e-b6d1-42f4-aca7-464dc32be309" ], "e534e264-95ee-4f90-ac73-47475d4afc5c": [ "1fd8c80e-b6d1-42f4-aca7-464dc32be309" ], "5a529a4d-f530-4e3e-94e9-fcdba2d1f6e3": [ "4a00f8b1-c64f-454f-8433-71c1a37e08ef" ], "314d510a-90ee-4f27-b785-70d2a499cbc1": [ "4a00f8b1-c64f-454f-8433-71c1a37e08ef" ], "caac92d7-4c42-4e4e-aaeb-ad93326e2240": [ "4a00f8b1-c64f-454f-8433-71c1a37e08ef" ], "727f4496-e1a3-4113-b7ec-6a640c1e5e0c": [ "4a00f8b1-c64f-454f-8433-71c1a37e08ef" ], "f6ee53ab-feb4-4fc7-aae0-1593ec83df10": [ "4a00f8b1-c64f-454f-8433-71c1a37e08ef" ], "d05d9670-80d8-4c98-be86-2f39e9929331": [ "4a00f8b1-c64f-454f-8433-71c1a37e08ef" ], "3f2dc491-0626-4273-9c5f-cc1276c3e10b": [ "4a00f8b1-c64f-454f-8433-71c1a37e08ef" ], "999a82df-13b8-4637-90dd-1dda1ae580af": [ "4a00f8b1-c64f-454f-8433-71c1a37e08ef" ], "3e92b739-bc15-4547-9395-7528a847f941": [ "4a00f8b1-c64f-454f-8433-71c1a37e08ef" ], "a99b9aaf-ced3-4a28-bde7-e4b38ba1b38e": [ "4a00f8b1-c64f-454f-8433-71c1a37e08ef" ], "63dfcc25-42de-41e0-a361-e32b2210cab1": [ "606b82a5-ff99-4535-9c83-9a562aaf1c9f" ], "6e5b71bb-803c-4fe5-91ff-7c3be9dae46f": [ "606b82a5-ff99-4535-9c83-9a562aaf1c9f" ], "27763592-08a9-49c1-836a-5e0fceaef691": [ "606b82a5-ff99-4535-9c83-9a562aaf1c9f" ], "e89be30f-d0f9-4b4a-8fc9-bed06ea23b7b": [ "606b82a5-ff99-4535-9c83-9a562aaf1c9f" ], "67caa691-1897-477e-a864-3f94a315d404": [ "606b82a5-ff99-4535-9c83-9a562aaf1c9f" ], "df0f7e84-a9f5-4b3c-bba1-2a37a1cf2bd9": [ "606b82a5-ff99-4535-9c83-9a562aaf1c9f" ], "bcae9f55-baef-4c5a-a51a-dba05c141a62": [ "606b82a5-ff99-4535-9c83-9a562aaf1c9f" ], "c8e7695c-e5fb-4b1d-8b40-166122b0fba1": [ "606b82a5-ff99-4535-9c83-9a562aaf1c9f" ], "1b08f1da-9538-4f16-bf32-360b7adf333a": [ "606b82a5-ff99-4535-9c83-9a562aaf1c9f" ], "de9b0f7e-9c73-4db6-9b03-09a8f23f263b": [ "606b82a5-ff99-4535-9c83-9a562aaf1c9f" ], "ef747cd0-8969-4255-9015-90af0dd63ff7": [ "5dd4b6a7-8433-4dda-9aee-142f28f37982" ], "3c01657c-f947-4125-b1c4-4ce8b0c5916c": [ "5dd4b6a7-8433-4dda-9aee-142f28f37982" ], "e3177eb7-9fdf-4b1f-a891-f834f5c9a731": [ "5dd4b6a7-8433-4dda-9aee-142f28f37982" ], "4fb00635-95e7-473d-a750-401d995410e6": [ "5dd4b6a7-8433-4dda-9aee-142f28f37982" ], "f3d10361-a08b-4c60-9540-6dfbb1351841": [ "5dd4b6a7-8433-4dda-9aee-142f28f37982" ], "55b97f5a-e27a-4af7-a696-c1466a0cf7cb": [ "5dd4b6a7-8433-4dda-9aee-142f28f37982" ], "8693b3c7-4af7-47ad-b865-0777590a1c0c": [ "5dd4b6a7-8433-4dda-9aee-142f28f37982" ], "07cebefa-9b80-4292-8528-372ac2ce83eb": [ "5dd4b6a7-8433-4dda-9aee-142f28f37982" ], "e1f0138d-7a68-4948-b417-cb44b633f2b7": [ "5dd4b6a7-8433-4dda-9aee-142f28f37982" ], "57b6504d-8133-48bc-b335-77f4d173f5cd": [ "5dd4b6a7-8433-4dda-9aee-142f28f37982" ], "0d794e92-bad1-48c0-b98d-9863b8db08aa": [ "ebd4d084-20bd-402e-8447-160d0f5143ea" ], "3081117b-ddd2-40f6-bf33-4ef31816f501": [ "ebd4d084-20bd-402e-8447-160d0f5143ea" ], "eba3f3d4-f493-4768-9f7a-85363a4a6526": [ "ebd4d084-20bd-402e-8447-160d0f5143ea" ], "807becb2-5366-4b88-b774-8a06a1e15466": [ "ebd4d084-20bd-402e-8447-160d0f5143ea" ], "8787663a-1685-4f37-a8f3-0f766db6e1fe": [ "ebd4d084-20bd-402e-8447-160d0f5143ea" ], "e9ba3529-06df-47e0-8daa-b84f181a33a5": [ "ebd4d084-20bd-402e-8447-160d0f5143ea" ], "6e7f75a6-94a5-4bd4-85aa-2af9d9d4ff12": [ "ebd4d084-20bd-402e-8447-160d0f5143ea" ], "198b16b1-c907-451f-8449-17af4fa3d51f": [ "ebd4d084-20bd-402e-8447-160d0f5143ea" ], "2b876377-e6e2-4fc8-9dc8-0e3c9b4eccc3": [ "ebd4d084-20bd-402e-8447-160d0f5143ea" ], "456e33da-cab2-4ffa-a586-ba604548986d": [ "ebd4d084-20bd-402e-8447-160d0f5143ea" ], "bc525242-0771-4da1-9268-4c4f366e79c4": [ "7167f183-375b-4f85-9441-b042b647e82d" ], "421f04dc-6636-4b0a-ae82-6b30da8c08cd": [ "7167f183-375b-4f85-9441-b042b647e82d" ], "8764936d-bb5d-44b3-9dc0-af6c1b23a083": [ "7167f183-375b-4f85-9441-b042b647e82d" ], "89b2c09a-3a0c-420a-a286-b8193ce26e9b": [ "7167f183-375b-4f85-9441-b042b647e82d" ], "e357d175-1ce5-4e4d-9075-ee4649c30db4": [ "7167f183-375b-4f85-9441-b042b647e82d" ], "875b426a-f6e0-4fd2-aaeb-e3b0085312d3": [ "7167f183-375b-4f85-9441-b042b647e82d" ], "79a6a00f-52fa-4cf7-b0ba-079fdf47539f": [ "7167f183-375b-4f85-9441-b042b647e82d" ], "d6e20246-613d-4784-83e8-2bf0e24cba25": [ "7167f183-375b-4f85-9441-b042b647e82d" ], "a554f764-4103-4cc4-a4cc-88a73ddaf755": [ "7167f183-375b-4f85-9441-b042b647e82d" ], "d7ba8d2c-6d73-47a9-bdcc-9917061974f1": [ "7167f183-375b-4f85-9441-b042b647e82d" ], "3b1b5852-8809-4eaa-8295-7054c6c099e1": [ "e34e0205-0d4d-4c9a-ac37-9f409d285fbf" ], "f8a1f018-9a13-4aea-b547-7a2063438bd7": [ "e34e0205-0d4d-4c9a-ac37-9f409d285fbf" ], "f000e21d-31d3-48c3-97d5-2dfb377ec491": [ "e34e0205-0d4d-4c9a-ac37-9f409d285fbf" ], "7b978c6c-8bf7-445a-8550-6e2c48a29538": [ "e34e0205-0d4d-4c9a-ac37-9f409d285fbf" ], "6f3bf127-f8d0-48a0-9295-1fedd2108bc3": [ "e34e0205-0d4d-4c9a-ac37-9f409d285fbf" ], "37f1b6de-07e2-4185-8a16-6fcbfef0afe3": [ "e34e0205-0d4d-4c9a-ac37-9f409d285fbf" ], "c3087528-6f16-416f-a896-1a322a8e154d": [ "e34e0205-0d4d-4c9a-ac37-9f409d285fbf" ], "004fa059-7893-4018-a142-1c933968ad10": [ "e34e0205-0d4d-4c9a-ac37-9f409d285fbf" ], "deb470fa-4e9f-4ec3-87dc-a09678d798ae": [ "e34e0205-0d4d-4c9a-ac37-9f409d285fbf" ], "d147a4df-310a-4b2b-951d-c63c79cda51d": [ "e34e0205-0d4d-4c9a-ac37-9f409d285fbf" ], "b24005b8-9a8e-484a-a46a-74c4230b8357": [ "fc5c21a0-3421-43eb-b104-de0340060ca9" ], "108c35ca-62b1-47a8-ade7-e63eeb12272f": [ "fc5c21a0-3421-43eb-b104-de0340060ca9" ], "1a58b495-ef79-42c1-9ff3-f11d7075fdf2": [ "fc5c21a0-3421-43eb-b104-de0340060ca9" ], "b381197d-ea5f-43b0-8cc2-80dcd9d71307": [ "fc5c21a0-3421-43eb-b104-de0340060ca9" ], "f8c37ae0-e1bc-4594-8ef6-b1b46877f805": [ "fc5c21a0-3421-43eb-b104-de0340060ca9" ], "8cddfbf3-1965-43df-a5b7-74c2a74e1515": [ "fc5c21a0-3421-43eb-b104-de0340060ca9" ], "2ad55285-5085-4448-8e00-f8d9481c585a": [ "fc5c21a0-3421-43eb-b104-de0340060ca9" ], "f169bf06-76a5-43f9-ba00-1ee17b9f2ff4": [ "fc5c21a0-3421-43eb-b104-de0340060ca9" ], "7ae5a811-4f54-402a-a6e1-2bd133f39bd9": [ "fc5c21a0-3421-43eb-b104-de0340060ca9" ], "838723c7-ad01-4bca-b973-c2f706b25553": [ "fc5c21a0-3421-43eb-b104-de0340060ca9" ], "62298f58-2d86-4926-ba63-6dbc1234feae": [ "c5a6a650-54b7-4d61-a56b-0ecc3ad446bf" ], "657dc7f9-10d2-42e5-9aec-6de3151a375c": [ "c5a6a650-54b7-4d61-a56b-0ecc3ad446bf" ], "5c093d34-6ca3-4c8f-9150-6828f238165f": [ "c5a6a650-54b7-4d61-a56b-0ecc3ad446bf" ], "68cf8872-d1e0-48d8-a565-084b13c287ae": [ "c5a6a650-54b7-4d61-a56b-0ecc3ad446bf" ], "74c357f2-9164-4cc5-9bb5-fd19d1627204": [ "c5a6a650-54b7-4d61-a56b-0ecc3ad446bf" ], "09ffb2f8-2e41-45a9-a628-d12ce21fb658": [ "c5a6a650-54b7-4d61-a56b-0ecc3ad446bf" ], "54a2ac34-c513-48d1-b97b-da1703d8475b": [ "c5a6a650-54b7-4d61-a56b-0ecc3ad446bf" ], "ef4c7e0c-2189-4f57-9121-7a4b1837ed9b": [ "c5a6a650-54b7-4d61-a56b-0ecc3ad446bf" ], "6a1de919-e3a6-4e42-80bc-13410c5af00b": [ "c5a6a650-54b7-4d61-a56b-0ecc3ad446bf" ], "5bfa855a-c6fd-42d0-bcaa-b57ff03e1c46": [ "c5a6a650-54b7-4d61-a56b-0ecc3ad446bf" ], "2fb0915b-9f25-4f23-932b-fcebb9b28031": [ "598265e1-b984-4679-b7f8-526bf103e3cc" ], "a96ff754-fb9b-43ca-9657-8df23f14d454": [ "598265e1-b984-4679-b7f8-526bf103e3cc" ], "f3ff78cc-b471-4532-92c1-edfa7cce5155": [ "598265e1-b984-4679-b7f8-526bf103e3cc" ], "3df4cb1e-1a40-434e-ba06-ae5a1a9adfb4": [ "598265e1-b984-4679-b7f8-526bf103e3cc" ], "7bfcad9d-0d5c-4f09-92c4-f9d01b770ea8": [ "598265e1-b984-4679-b7f8-526bf103e3cc" ], "545cf11c-3f5b-44ef-8140-151017d36058": [ "598265e1-b984-4679-b7f8-526bf103e3cc" ], "3f26dc82-0fc1-4f89-8836-ce6f990d5fd4": [ "598265e1-b984-4679-b7f8-526bf103e3cc" ], "661e59ac-6a52-4b31-9e80-7672723bfba4": [ "598265e1-b984-4679-b7f8-526bf103e3cc" ], "be84c388-5bb6-403e-bc91-c1d2c3efaea0": [ "598265e1-b984-4679-b7f8-526bf103e3cc" ], "bf072216-1a81-4b7a-8c5e-ab218ae12694": [ "598265e1-b984-4679-b7f8-526bf103e3cc" ], "de74a258-44f4-4c05-b176-2566fc8466f3": [ "db6281ce-00a1-4d41-b1de-2f45d056a16b" ], "ab5a7083-9c39-4d15-a8ba-f579fb254532": [ "db6281ce-00a1-4d41-b1de-2f45d056a16b" ], "735a773c-dca5-44ae-9ce0-177efcf9b04c": [ "db6281ce-00a1-4d41-b1de-2f45d056a16b" ], "5eddf32a-48f7-46df-9dfb-be67187ff8f2": [ "db6281ce-00a1-4d41-b1de-2f45d056a16b" ], "2e555f61-46c8-4632-96d0-3e47840c1de6": [ "db6281ce-00a1-4d41-b1de-2f45d056a16b" ], "5af0ac8a-b6af-4d46-b85e-e8b9745fdc72": [ "db6281ce-00a1-4d41-b1de-2f45d056a16b" ], "eab3e0f0-99b0-4e30-8636-62e25e3d1c96": [ "db6281ce-00a1-4d41-b1de-2f45d056a16b" ], "4e852977-4b69-41d9-9403-06cfbec21759": [ "db6281ce-00a1-4d41-b1de-2f45d056a16b" ], "1ce7663d-bd61-4fe7-b036-4a50e69d6ad2": [ "db6281ce-00a1-4d41-b1de-2f45d056a16b" ], "125a53a6-0538-470e-8805-3c21708e4c4b": [ "db6281ce-00a1-4d41-b1de-2f45d056a16b" ], "a0a82159-382c-440e-8d61-d77eba906b8e": [ "578c682c-ba5c-432d-bf02-b22eb727efc5" ], "71450771-d6b4-4140-9492-2abaa1bcd634": [ "578c682c-ba5c-432d-bf02-b22eb727efc5" ], "80cdfb84-b56c-4ec8-a016-073f39b35a25": [ "578c682c-ba5c-432d-bf02-b22eb727efc5" ], "58587744-bb6b-43cf-bfd6-71cd354ccf13": [ "578c682c-ba5c-432d-bf02-b22eb727efc5" ], "c5dd61b1-d4b3-43f0-a2d4-c547089634b1": [ "578c682c-ba5c-432d-bf02-b22eb727efc5" ], "e71271e4-01a3-4e5f-ba39-e11232a6b2a5": [ "578c682c-ba5c-432d-bf02-b22eb727efc5" ], "e3f7c260-1953-4a34-9eef-eb2e0dea7d4d": [ "578c682c-ba5c-432d-bf02-b22eb727efc5" ], "f0db38bb-805b-4613-ae25-94115bc68e2e": [ "578c682c-ba5c-432d-bf02-b22eb727efc5" ], "6fff9be5-8f7e-4a75-b004-5d3d06232bfd": [ "578c682c-ba5c-432d-bf02-b22eb727efc5" ], "1422c3b2-af83-485f-b155-6cb016f9f612": [ "578c682c-ba5c-432d-bf02-b22eb727efc5" ], "f784a8a3-bcc3-4dda-8012-453b7e5629fe": [ "c87e8490-59f5-44e6-b55e-339438ed8539" ], "27305593-4999-44bc-bc33-fb12976d0314": [ "c87e8490-59f5-44e6-b55e-339438ed8539" ], "f6832d35-3e5b-429e-907b-c0827a75289c": [ "c87e8490-59f5-44e6-b55e-339438ed8539" ], "831d00db-fc17-4d1f-8e1a-bfa70292e745": [ "c87e8490-59f5-44e6-b55e-339438ed8539" ], "565d3f6d-dba3-4764-86b1-9c19a28d38bb": [ "c87e8490-59f5-44e6-b55e-339438ed8539" ], "a91aa887-f23a-41b9-94be-3d12bde2643d": [ "c87e8490-59f5-44e6-b55e-339438ed8539" ], "63e1b2a6-d492-40a0-9267-83335811e4cd": [ "c87e8490-59f5-44e6-b55e-339438ed8539" ], "a7e6b467-036e-451e-8c33-57bd7b59cd4e": [ "c87e8490-59f5-44e6-b55e-339438ed8539" ], "978dc177-0bf0-4009-a0bd-3119102206ca": [ "c87e8490-59f5-44e6-b55e-339438ed8539" ], "21222c3e-e996-4233-a939-5d85beb92dc5": [ "c87e8490-59f5-44e6-b55e-339438ed8539" ], "de96fd54-5ed5-439f-8b1f-4e0c1de3f7a5": [ "85787fc8-3825-46ed-85d8-9c8b249063ff" ], "fe2309d1-aec0-45bd-8a8c-81ff6724c39e": [ "85787fc8-3825-46ed-85d8-9c8b249063ff" ], "f884f6b1-3704-4b12-9d92-666b8dc1a224": [ "85787fc8-3825-46ed-85d8-9c8b249063ff" ], "dddcefaa-0bc7-4d33-b421-4adb62d1d39b": [ "85787fc8-3825-46ed-85d8-9c8b249063ff" ], "bbd5f009-34d5-4406-b374-ded150506c87": [ "85787fc8-3825-46ed-85d8-9c8b249063ff" ], "555da5bc-b53d-45ea-9f7e-061272dfdd77": [ "85787fc8-3825-46ed-85d8-9c8b249063ff" ], "1c2f75d0-2edd-42c2-96c4-3c692101d8d5": [ "85787fc8-3825-46ed-85d8-9c8b249063ff" ], "c107d997-9bc6-4bb7-8129-bd9ffd6c1527": [ "85787fc8-3825-46ed-85d8-9c8b249063ff" ], "d2bc8b91-73a9-4702-be94-fd43208a9438": [ "85787fc8-3825-46ed-85d8-9c8b249063ff" ], "c84e8a6c-b406-4c97-a42a-eef48f3a2355": [ "85787fc8-3825-46ed-85d8-9c8b249063ff" ], "4940e678-ad6c-48dc-b328-72e115ea9cde": [ "b0bc6cc4-40d1-4d83-bf01-bbd0b2797fbb" ], "56971b23-2d46-4c9c-ab54-d2fdc71313d3": [ "b0bc6cc4-40d1-4d83-bf01-bbd0b2797fbb" ], "95036d39-2bc1-4495-b4c9-ce94d844aa32": [ "b0bc6cc4-40d1-4d83-bf01-bbd0b2797fbb" ], "6b30e070-7aa2-4464-ab1e-0d104a8ab537": [ "b0bc6cc4-40d1-4d83-bf01-bbd0b2797fbb" ], "7fee374d-db1d-4e2d-aeb2-c5f366412268": [ "b0bc6cc4-40d1-4d83-bf01-bbd0b2797fbb" ], "a1749480-8fc0-416d-8304-53d2180f2265": [ "b0bc6cc4-40d1-4d83-bf01-bbd0b2797fbb" ], "dd321e44-608c-4e29-b637-ac67ed0e0ef2": [ "b0bc6cc4-40d1-4d83-bf01-bbd0b2797fbb" ], "a49daeaf-2bbe-4ee3-a041-333cc47f9c11": [ "b0bc6cc4-40d1-4d83-bf01-bbd0b2797fbb" ], "934acb57-1f2b-42fc-943b-9a0ba1bb0d11": [ "b0bc6cc4-40d1-4d83-bf01-bbd0b2797fbb" ], "a4ec029d-c479-468f-946e-b6a867103d74": [ "b0bc6cc4-40d1-4d83-bf01-bbd0b2797fbb" ], "7ef8e38d-e0c8-4230-b672-2a2ed48e637f": [ "b237c3f9-197f-4510-baee-1858c74b6b1c" ], "cc27b880-0827-4636-ad1e-61fc30f3e0ab": [ "b237c3f9-197f-4510-baee-1858c74b6b1c" ], "c3152d9b-0171-48c0-9261-3b46c2f83c9c": [ "b237c3f9-197f-4510-baee-1858c74b6b1c" ], "02f5dd2c-140f-4649-8e66-5542f6c130f9": [ "b237c3f9-197f-4510-baee-1858c74b6b1c" ], "8a71d2c9-9ccd-41dd-80ad-9338c9e5a996": [ "b237c3f9-197f-4510-baee-1858c74b6b1c" ], "8e532185-14b7-44bc-8685-ec94a5eab3a9": [ "b237c3f9-197f-4510-baee-1858c74b6b1c" ], "a7fc7ed8-28c8-4c0b-988d-c3aaa8228961": [ "b237c3f9-197f-4510-baee-1858c74b6b1c" ], "781159b7-c7c6-4946-a869-50b7136cc4aa": [ "b237c3f9-197f-4510-baee-1858c74b6b1c" ], "f2eb9086-4dd4-4df2-8d6a-1ea5bb4a6362": [ "b237c3f9-197f-4510-baee-1858c74b6b1c" ], "d96d9abe-5c27-4ce6-8df7-32ac2f048e02": [ "b237c3f9-197f-4510-baee-1858c74b6b1c" ], "a6c93b38-446f-4fd0-b2b1-3e5049ba33a3": [ "a632ac93-f57d-4de8-a7f8-b8ef33d82c20" ], "a818b460-889c-4baa-8d0b-0ca515ececfb": [ "a632ac93-f57d-4de8-a7f8-b8ef33d82c20" ], "45d685bb-1aa5-41c9-8729-cfaca802d431": [ "a632ac93-f57d-4de8-a7f8-b8ef33d82c20" ], "bbe7fd63-6aa8-46a6-b588-28982fd12113": [ "a632ac93-f57d-4de8-a7f8-b8ef33d82c20" ], "d0efa91a-823b-481f-97f9-c30b4ff74cc2": [ "a632ac93-f57d-4de8-a7f8-b8ef33d82c20" ], "ea00870d-b02d-4ac5-8760-e9968c9f5248": [ "a632ac93-f57d-4de8-a7f8-b8ef33d82c20" ], "d601370f-d3d8-4eae-a254-6190438d6b70": [ "a632ac93-f57d-4de8-a7f8-b8ef33d82c20" ], "af1c2cb4-59af-424d-8991-585d58e579b5": [ "a632ac93-f57d-4de8-a7f8-b8ef33d82c20" ], "c6851b19-d000-4d51-ad1b-3736e9bc5888": [ "a632ac93-f57d-4de8-a7f8-b8ef33d82c20" ], "cc193428-fe87-4aa3-ba88-d22ae9f2dbf6": [ "a632ac93-f57d-4de8-a7f8-b8ef33d82c20" ], "e87ff449-95de-4a3b-83df-35d50919ee79": [ "b03afca0-f44e-438b-bf9e-8aa723419276" ], "96306d64-3568-4573-a76b-572499e6b6a3": [ "b03afca0-f44e-438b-bf9e-8aa723419276" ], "fb33a003-3153-4b7b-844e-299dd9e18a48": [ "b03afca0-f44e-438b-bf9e-8aa723419276" ], "704e88c7-1fc6-4bae-987f-553ea7e004ac": [ "b03afca0-f44e-438b-bf9e-8aa723419276" ], "a0a119c3-7373-4b9b-9438-b761830cfc17": [ "b03afca0-f44e-438b-bf9e-8aa723419276" ], "d2bb38db-87bd-47a2-a313-f3f4bf043034": [ "b03afca0-f44e-438b-bf9e-8aa723419276" ], "3dae4571-6da0-4e36-8184-d43b8d52031e": [ "b03afca0-f44e-438b-bf9e-8aa723419276" ], "38cab609-b7e7-40ff-a531-4371fb690cb5": [ "b03afca0-f44e-438b-bf9e-8aa723419276" ], "3f16b278-c967-4c4c-8e05-5ff16750e68a": [ "b03afca0-f44e-438b-bf9e-8aa723419276" ], "efe24e01-1f39-4a1e-bede-c9059b875c07": [ "b03afca0-f44e-438b-bf9e-8aa723419276" ], "6ab73e2f-4358-4e6c-a16d-498899cc6d98": [ "84ec4ced-9f5e-4c05-9079-ba47e9e9e186" ], "84ae29aa-a77a-44db-b7fb-1687e21be665": [ "84ec4ced-9f5e-4c05-9079-ba47e9e9e186" ], "fd8ebd38-23cf-44af-b4bd-372176641af5": [ "84ec4ced-9f5e-4c05-9079-ba47e9e9e186" ], "efd1c907-becb-46ad-99ba-0ebd0b0793df": [ "84ec4ced-9f5e-4c05-9079-ba47e9e9e186" ], "b6c208ea-f95e-44cf-b5fb-78857282b75a": [ "84ec4ced-9f5e-4c05-9079-ba47e9e9e186" ], "10423176-caf0-4c52-87ce-8c5dc0d5ddbf": [ "84ec4ced-9f5e-4c05-9079-ba47e9e9e186" ], "62edc121-fdb4-4ce0-b79f-13cc2cfdeaee": [ "84ec4ced-9f5e-4c05-9079-ba47e9e9e186" ], "7a2119a2-f1db-40c9-84ee-2e712cef6fed": [ "84ec4ced-9f5e-4c05-9079-ba47e9e9e186" ], "eba0016f-f872-4d2f-bc6f-de525015a442": [ "84ec4ced-9f5e-4c05-9079-ba47e9e9e186" ], "2c2999a4-0c45-44ae-877e-ca863a6ea150": [ "84ec4ced-9f5e-4c05-9079-ba47e9e9e186" ], "6e6b7c63-35d4-4dd4-957b-bcbf64d34aea": [ "cfce7935-755e-4951-b4f9-1579a3fad6b6" ], "9bcc11e4-fc71-4c7b-acef-53ebe454ccf8": [ "cfce7935-755e-4951-b4f9-1579a3fad6b6" ], "695c6aff-b1db-460c-97e8-a2d0359850d5": [ "cfce7935-755e-4951-b4f9-1579a3fad6b6" ], "15d204b6-deb5-4ab3-9742-1999e3d2331e": [ "cfce7935-755e-4951-b4f9-1579a3fad6b6" ], "55dfad04-d34f-4316-b21d-04721542348b": [ "cfce7935-755e-4951-b4f9-1579a3fad6b6" ], "3c0dd6c2-c3e0-4657-a186-9fe69e38c454": [ "cfce7935-755e-4951-b4f9-1579a3fad6b6" ], "1bf04c75-2233-429c-b08e-906d465dbc1f": [ "cfce7935-755e-4951-b4f9-1579a3fad6b6" ], "9e850376-bae3-47bf-b68d-9d8f7c93cab0": [ "cfce7935-755e-4951-b4f9-1579a3fad6b6" ], "23fbceff-82f9-4725-bc0e-0b4b7be222b2": [ "cfce7935-755e-4951-b4f9-1579a3fad6b6" ], "902f2ce4-b494-409f-be1a-6ba7448f8a20": [ "cfce7935-755e-4951-b4f9-1579a3fad6b6" ], "94438b18-2438-45bb-b49b-f40e3dc88651": [ "0dc3cb78-bb29-4cbf-b0ae-4d2a32877f4f" ], "f1f07875-1afa-4dbb-aac4-a97219cfa3ae": [ "0dc3cb78-bb29-4cbf-b0ae-4d2a32877f4f" ], "bb07d7d9-7fa9-40fa-b4ce-677714fdec12": [ "0dc3cb78-bb29-4cbf-b0ae-4d2a32877f4f" ], "c531b0ef-4daf-4647-916e-a67e8cf7859f": [ "0dc3cb78-bb29-4cbf-b0ae-4d2a32877f4f" ], "1c834cbc-8cfe-4057-a9b8-6e17deb7fcbe": [ "0dc3cb78-bb29-4cbf-b0ae-4d2a32877f4f" ], "635d23a4-90e9-481e-8e06-621b9049ea0e": [ "0dc3cb78-bb29-4cbf-b0ae-4d2a32877f4f" ], "3994c7ce-fc79-4bdf-a7fa-dc07b8248de7": [ "0dc3cb78-bb29-4cbf-b0ae-4d2a32877f4f" ], "47f589b5-8b68-4c09-b7da-e5f8fb67b048": [ "0dc3cb78-bb29-4cbf-b0ae-4d2a32877f4f" ], "3979a1ad-e65c-43df-b9b9-b47a8811ea55": [ "0dc3cb78-bb29-4cbf-b0ae-4d2a32877f4f" ], "0a9ec49d-cb50-42f2-94fd-aad55492335f": [ "0dc3cb78-bb29-4cbf-b0ae-4d2a32877f4f" ], "d6597075-0b1c-4d18-90a2-be8fe2aeb85f": [ "897c272a-b71b-459b-ab67-4d6e1937931e" ], "4c5f1ee0-cee8-4173-a47d-13b55f7c2f84": [ "897c272a-b71b-459b-ab67-4d6e1937931e" ], "070847ff-5277-47e6-aa04-b091bfb2cc74": [ "897c272a-b71b-459b-ab67-4d6e1937931e" ], "28e07cb5-5ce8-4446-828e-e8a68bee435d": [ "897c272a-b71b-459b-ab67-4d6e1937931e" ], "ed1b7169-ddc2-41c1-ae1e-139ba3b760a9": [ "897c272a-b71b-459b-ab67-4d6e1937931e" ], "7a6406f4-18a0-4c2f-a0e9-cdd9f8d3c646": [ "897c272a-b71b-459b-ab67-4d6e1937931e" ], "c25d584f-f398-4ac4-8e32-a88e26224e07": [ "897c272a-b71b-459b-ab67-4d6e1937931e" ], "ae1c5f62-085c-46e7-8d9c-a5f9fa88b753": [ "897c272a-b71b-459b-ab67-4d6e1937931e" ], "5fe5013f-e265-4964-96b1-3394634d6e5f": [ "897c272a-b71b-459b-ab67-4d6e1937931e" ], "936af13f-bf27-4f63-bdec-a085ce10a514": [ "897c272a-b71b-459b-ab67-4d6e1937931e" ], "07b61225-1a40-4b4b-b9f0-7e97887f9651": [ "e0be7603-f8e9-4149-9316-e38fc71fb5f7" ], "6d383354-41db-460b-b465-a6387eca2295": [ "e0be7603-f8e9-4149-9316-e38fc71fb5f7" ], "83d6985b-e2a1-4506-a5e1-24b5129f9af9": [ "e0be7603-f8e9-4149-9316-e38fc71fb5f7" ], "1e4ac7cb-bdc9-43c7-b117-9fd16e40ba02": [ "e0be7603-f8e9-4149-9316-e38fc71fb5f7" ], "88510490-2582-4e77-bd07-170b28cf4eb6": [ "e0be7603-f8e9-4149-9316-e38fc71fb5f7" ], "2c583c1c-b7ae-4d2b-85b5-77017cf7663b": [ "e0be7603-f8e9-4149-9316-e38fc71fb5f7" ], "1f934b49-3eac-4667-a59f-2f0ff4aca1be": [ "e0be7603-f8e9-4149-9316-e38fc71fb5f7" ], "00bc519f-4594-4d83-9f39-e21197357aad": [ "e0be7603-f8e9-4149-9316-e38fc71fb5f7" ], "666f860e-f0c6-422a-a23e-684a501b291e": [ "e0be7603-f8e9-4149-9316-e38fc71fb5f7" ], "1d47772c-2e39-449c-a0f0-7f8ef391d0a6": [ "e0be7603-f8e9-4149-9316-e38fc71fb5f7" ], "400e24d5-cb4a-46c8-a439-9e922a77278d": [ "139e0393-005c-49e8-916e-34e758bb0918" ], "da085552-4a0a-4fce-b870-5e10c355e06a": [ "139e0393-005c-49e8-916e-34e758bb0918" ], "ace5c7c1-9904-415b-854d-894ce831bd28": [ "139e0393-005c-49e8-916e-34e758bb0918" ], "8231fdc8-d776-4589-9f62-2bfc1a13f8a7": [ "139e0393-005c-49e8-916e-34e758bb0918" ], "c53f40f4-aa7a-4767-b826-2cf3c172d189": [ "139e0393-005c-49e8-916e-34e758bb0918" ], "a4121037-661e-403f-938a-528778b9f5e5": [ "139e0393-005c-49e8-916e-34e758bb0918" ], "d0c67bb0-3577-4bfd-b306-75c8fb36d900": [ "139e0393-005c-49e8-916e-34e758bb0918" ], "4a340b03-2531-44d3-9071-ab3d9eb75830": [ "139e0393-005c-49e8-916e-34e758bb0918" ], "1231fb2f-fb21-490f-b913-2f9f4e5a531e": [ "139e0393-005c-49e8-916e-34e758bb0918" ], "5af95534-6c01-4360-8359-0c5d559aaf76": [ "139e0393-005c-49e8-916e-34e758bb0918" ], "7393c447-9dae-4670-8e75-6eec94cd588c": [ "bf0dc925-5dab-4afd-90b3-fb041703745c" ], "adc6b4cd-a438-4fb6-aa08-dfb8845d0ff2": [ "bf0dc925-5dab-4afd-90b3-fb041703745c" ], "3261fc37-b9be-4d8e-81c4-d656e8aae97e": [ "bf0dc925-5dab-4afd-90b3-fb041703745c" ], "63bc8885-6338-44d8-9f83-658bbf842656": [ "bf0dc925-5dab-4afd-90b3-fb041703745c" ], "d4cebd10-1c60-43db-821c-beae2e8d6daa": [ "bf0dc925-5dab-4afd-90b3-fb041703745c" ], "2b650cd8-0d74-4769-ac7a-d88a1968c4c0": [ "bf0dc925-5dab-4afd-90b3-fb041703745c" ], "8c1543ac-14ec-43d2-bae1-2b1681d8fce2": [ "bf0dc925-5dab-4afd-90b3-fb041703745c" ], "c54cb503-e51d-45ac-aa25-edf7ff35efae": [ "bf0dc925-5dab-4afd-90b3-fb041703745c" ], "c9c3b3a0-dc58-42b3-8831-10e36020db74": [ "bf0dc925-5dab-4afd-90b3-fb041703745c" ], "5bc92e41-3cf6-4566-b3eb-987b523997ec": [ "bf0dc925-5dab-4afd-90b3-fb041703745c" ], "24b5916e-de61-4cbd-a694-2c7d93c83958": [ "1af60b82-739e-4643-b763-cf6655e815e7" ], "c3f816cd-3c8a-450b-ab3a-9a32d58ad1cd": [ "1af60b82-739e-4643-b763-cf6655e815e7" ], "530d1c91-c914-4818-8b1c-89e740708643": [ "1af60b82-739e-4643-b763-cf6655e815e7" ], "eba15f8c-cc3e-4e36-bf14-32f90cfaf397": [ "1af60b82-739e-4643-b763-cf6655e815e7" ], "b3691ac1-0105-491a-90fb-83a2aa013b17": [ "1af60b82-739e-4643-b763-cf6655e815e7" ], "9bc48d30-070a-4b27-9e25-2b253541c1e9": [ "1af60b82-739e-4643-b763-cf6655e815e7" ], "376a6eae-f3c1-41a5-b90f-d62fd6693d25": [ "1af60b82-739e-4643-b763-cf6655e815e7" ], "8e5d6529-f108-4543-9d87-feff7129bab9": [ "1af60b82-739e-4643-b763-cf6655e815e7" ], "6908fb4a-96aa-4125-9843-46c5fb8a1cc8": [ "1af60b82-739e-4643-b763-cf6655e815e7" ], "4628ad36-1afa-4e07-a476-1dc03f3d6e8c": [ "1af60b82-739e-4643-b763-cf6655e815e7" ], "21d826e8-ca8f-4857-8b29-d727325ad64a": [ "b628d024-4774-40ac-9589-9f1de6c3925f" ], "163ced35-326a-47ef-b23f-3ebf73d81a97": [ "b628d024-4774-40ac-9589-9f1de6c3925f" ], "02707180-e2ab-4680-ae03-8bdcd743edc8": [ "b628d024-4774-40ac-9589-9f1de6c3925f" ], "f04755b5-b405-42e3-a9fe-0fc241bca5e5": [ "b628d024-4774-40ac-9589-9f1de6c3925f" ], "db554535-807c-48e1-9534-b99b489ed9d3": [ "b628d024-4774-40ac-9589-9f1de6c3925f" ], "8431f122-e820-4eee-95e6-9242a9c1d2c4": [ "b628d024-4774-40ac-9589-9f1de6c3925f" ], "06433fb2-e588-467f-8328-ce38b74f8ad5": [ "b628d024-4774-40ac-9589-9f1de6c3925f" ], "b474bdad-a061-4782-be67-05db2dae2a7d": [ "b628d024-4774-40ac-9589-9f1de6c3925f" ], "e7d7c106-b625-4117-976b-b5dd500615ae": [ "b628d024-4774-40ac-9589-9f1de6c3925f" ], "7fa9c792-5bba-4a18-8903-6a13f7986cde": [ "b628d024-4774-40ac-9589-9f1de6c3925f" ], "435f26eb-56f3-4808-b883-017afaffccc8": [ "52e5edc7-3242-4a64-b16a-35600b30c908" ], "cd158d23-8b47-4705-9e01-6c2c89a8fa97": [ "52e5edc7-3242-4a64-b16a-35600b30c908" ], "8a7abe4e-11fb-489e-8705-0e6cee16482a": [ "52e5edc7-3242-4a64-b16a-35600b30c908" ], "a79b59d2-4fd0-4b99-a695-570bd219b20d": [ "52e5edc7-3242-4a64-b16a-35600b30c908" ], "9ff06261-860d-4882-870c-616ce2a87e93": [ "52e5edc7-3242-4a64-b16a-35600b30c908" ], "3bba6adb-024a-4245-b315-f669543d4024": [ "52e5edc7-3242-4a64-b16a-35600b30c908" ], "b145869a-c53f-4c34-82f2-d94c50b35541": [ "52e5edc7-3242-4a64-b16a-35600b30c908" ], "9c0385bf-8275-46a3-b050-ff7587e3a52f": [ "52e5edc7-3242-4a64-b16a-35600b30c908" ], "84ac88d9-aed4-45e5-a106-af33b08361c0": [ "52e5edc7-3242-4a64-b16a-35600b30c908" ], "045db4e5-b5fc-4f1e-a948-a073e0441db8": [ "52e5edc7-3242-4a64-b16a-35600b30c908" ], "73954749-14b1-4848-9f3d-918a25e8e976": [ "85624541-a4da-4b91-965e-b9ebf4faa828" ], "39709c98-485b-41fe-b841-b328e71ce491": [ "85624541-a4da-4b91-965e-b9ebf4faa828" ], "99388117-beeb-41c5-86b7-3901404364c5": [ "85624541-a4da-4b91-965e-b9ebf4faa828" ], "32489c90-a21d-4204-92e2-2b59efa27b58": [ "85624541-a4da-4b91-965e-b9ebf4faa828" ], "f1daa0f4-37e3-4c5c-b5b4-2bf072bcabf1": [ "85624541-a4da-4b91-965e-b9ebf4faa828" ], "490bc832-c8b9-4d18-9160-9f22fc6bf841": [ "85624541-a4da-4b91-965e-b9ebf4faa828" ], "e396906c-44a0-4d96-84e0-1896525a2772": [ "85624541-a4da-4b91-965e-b9ebf4faa828" ], "ab121a6a-52ab-4b35-9428-b68a91de4798": [ "85624541-a4da-4b91-965e-b9ebf4faa828" ], "8c7ff34a-72b6-4c09-931a-7141be0c57be": [ "85624541-a4da-4b91-965e-b9ebf4faa828" ], "592f5a27-7cbe-4fc6-8a83-f295ce710ace": [ "85624541-a4da-4b91-965e-b9ebf4faa828" ], "308787d1-3859-44e5-940a-f8ff1addd84d": [ "4bda2097-54d4-460c-8344-45cd4426238a" ], "ed0a2632-3fde-46ee-8d19-261923dd8e28": [ "4bda2097-54d4-460c-8344-45cd4426238a" ], "1079af0e-7e31-41f1-8a98-41f94ff90aad": [ "4bda2097-54d4-460c-8344-45cd4426238a" ], "242f711a-57e3-4851-847b-fc54365ca4e0": [ "4bda2097-54d4-460c-8344-45cd4426238a" ], "197b7b1b-627c-42ea-9ed5-668802b64093": [ "4bda2097-54d4-460c-8344-45cd4426238a" ], "05975e88-7015-46e5-99d1-cf66119264a0": [ "4bda2097-54d4-460c-8344-45cd4426238a" ], "43542205-67fb-4b49-948b-3c971b99e9cb": [ "4bda2097-54d4-460c-8344-45cd4426238a" ], "0fcf9468-6a6c-4ebc-8be6-544c7c07f3c9": [ "4bda2097-54d4-460c-8344-45cd4426238a" ], "1f930575-c25f-4258-a649-6f8512ace3f1": [ "4bda2097-54d4-460c-8344-45cd4426238a" ], "3c566c19-cb07-40fa-9a9c-522ffc5156e8": [ "4bda2097-54d4-460c-8344-45cd4426238a" ], "46035eb2-d1ac-44be-9a93-6ca3b752d0ef": [ "189a777e-3130-49f4-9ab3-f5987ba4753a" ], "f696307c-ef23-4cf9-af08-88ccfb19f96f": [ "189a777e-3130-49f4-9ab3-f5987ba4753a" ], "02f8e3b4-f39d-45d5-a041-150870325e15": [ "189a777e-3130-49f4-9ab3-f5987ba4753a" ], "d0cae92b-e307-43fb-8fa0-d7bdbefd5f66": [ "189a777e-3130-49f4-9ab3-f5987ba4753a" ], "95bd306a-1c2c-4905-a78f-90c3442fae05": [ "189a777e-3130-49f4-9ab3-f5987ba4753a" ], "114de75b-5ac7-4b71-8734-e0988a54ee7e": [ "189a777e-3130-49f4-9ab3-f5987ba4753a" ], "7a35f1bc-5f91-4602-8486-d77689f465f2": [ "189a777e-3130-49f4-9ab3-f5987ba4753a" ], "199f6c17-daf8-4699-ab1c-3f7798517a9a": [ "189a777e-3130-49f4-9ab3-f5987ba4753a" ], "6fcdfe11-ad4d-4ef5-bdca-bea00db59c72": [ "189a777e-3130-49f4-9ab3-f5987ba4753a" ], "fc264cfa-a495-4b1f-8174-58e709f6bc5b": [ "189a777e-3130-49f4-9ab3-f5987ba4753a" ], "3cf84650-e414-44f9-9de5-71fa8f0be79e": [ "eae73613-6993-4258-bb88-c3d43ae08251" ], "3e0f87f2-d36a-4b6b-b162-d26178dcade5": [ "eae73613-6993-4258-bb88-c3d43ae08251" ], "fa427afb-d76c-4a2b-b5b0-ccab84d701c6": [ "eae73613-6993-4258-bb88-c3d43ae08251" ], "f5d36255-3584-4191-9408-c145bc77cf62": [ "eae73613-6993-4258-bb88-c3d43ae08251" ], "cc11a97c-f171-405f-aba1-e0f9fae7299f": [ "eae73613-6993-4258-bb88-c3d43ae08251" ], "54437f2c-bd0b-4d7a-9b3e-a8550c6157b4": [ "eae73613-6993-4258-bb88-c3d43ae08251" ], "cd59c70b-439b-4c4a-8ebb-b330a4f35765": [ "eae73613-6993-4258-bb88-c3d43ae08251" ], "47b857fa-d6fd-4c6d-8b1d-3babd696e08a": [ "eae73613-6993-4258-bb88-c3d43ae08251" ], "ca16e216-cf89-4b5d-9915-6579d0bba962": [ "eae73613-6993-4258-bb88-c3d43ae08251" ], "56d93fec-a7cf-4a3a-a004-d37d9cfab2ee": [ "eae73613-6993-4258-bb88-c3d43ae08251" ], "03d37dc3-f19e-433c-9d17-3d8fcb1b8c01": [ "c92ba4f3-e429-4939-9929-46d87f1c07da" ], "1b79fc24-5a31-42de-a1e1-c30eeed6aae4": [ "c92ba4f3-e429-4939-9929-46d87f1c07da" ], "7ce6d989-022a-4368-91e8-1efa4743d52f": [ "c92ba4f3-e429-4939-9929-46d87f1c07da" ], "c685847d-819f-48f2-b986-707a16a32f22": [ "c92ba4f3-e429-4939-9929-46d87f1c07da" ], "e5f495e4-1ded-4988-9789-9e26e8fe9ac2": [ "c92ba4f3-e429-4939-9929-46d87f1c07da" ], "6ee12e11-84ad-4892-9c54-6e8d4aac67be": [ "c92ba4f3-e429-4939-9929-46d87f1c07da" ], "20066967-7192-462e-8744-478b59b1a3fc": [ "c92ba4f3-e429-4939-9929-46d87f1c07da" ], "0e8a9646-8770-46a9-89b5-c1e9022dc841": [ "c92ba4f3-e429-4939-9929-46d87f1c07da" ], "7d143b0e-74d2-4f91-b20b-cccd48e29908": [ "c92ba4f3-e429-4939-9929-46d87f1c07da" ], "e9339bd5-5b00-46e6-aaaa-4c5b71dd7653": [ "c92ba4f3-e429-4939-9929-46d87f1c07da" ], "060ccd5a-9289-4f67-843e-11ee1304351d": [ "57b3aa5c-4135-4e8c-a2c2-8bb3b5407cb5" ], "a8249d1a-b16e-47a2-ba2e-ea7e0f6d57b5": [ "57b3aa5c-4135-4e8c-a2c2-8bb3b5407cb5" ], "3353767a-f75b-4255-8bff-8abdd08739ad": [ "57b3aa5c-4135-4e8c-a2c2-8bb3b5407cb5" ], "a9d8b366-c1a0-4be2-a156-604d62871450": [ "57b3aa5c-4135-4e8c-a2c2-8bb3b5407cb5" ], "b0a9ed3b-986f-4895-933d-26aa26ead4e4": [ "57b3aa5c-4135-4e8c-a2c2-8bb3b5407cb5" ], "610fae50-4522-4d40-83d9-137f865ff000": [ "57b3aa5c-4135-4e8c-a2c2-8bb3b5407cb5" ], "6cb972f4-bab4-4e2f-863c-6361d1928657": [ "57b3aa5c-4135-4e8c-a2c2-8bb3b5407cb5" ], "500ac920-6388-48cc-a9bb-911cf6102f2c": [ "57b3aa5c-4135-4e8c-a2c2-8bb3b5407cb5" ], "37771155-c508-442d-aadf-539843025e11": [ "57b3aa5c-4135-4e8c-a2c2-8bb3b5407cb5" ], "267d5d02-c3dc-4029-b512-c51d52407e98": [ "57b3aa5c-4135-4e8c-a2c2-8bb3b5407cb5" ], "065e8cd6-9b73-49ec-b660-03715b75b2ea": [ "1df26b29-b21a-41a1-b2c6-546eae7d8afb" ], "27f48b10-81b4-4d51-b760-6b24c86fe860": [ "1df26b29-b21a-41a1-b2c6-546eae7d8afb" ], "07b671a5-6e39-42d2-bdce-1adbd54c1a9b": [ "1df26b29-b21a-41a1-b2c6-546eae7d8afb" ], "60891b65-3930-4d4e-a2a4-3ec7a207bfe6": [ "1df26b29-b21a-41a1-b2c6-546eae7d8afb" ], "11b8e147-23c7-494e-889a-53993d9273f6": [ "1df26b29-b21a-41a1-b2c6-546eae7d8afb" ], "71086d92-fc50-4102-9e02-626e93fa51ec": [ "1df26b29-b21a-41a1-b2c6-546eae7d8afb" ], "43a017e8-1868-4264-b65a-35ca3b7e08e9": [ "1df26b29-b21a-41a1-b2c6-546eae7d8afb" ], "d39742b2-f24b-4981-9652-a9d01b009d4a": [ "1df26b29-b21a-41a1-b2c6-546eae7d8afb" ], "b71df45e-9521-4c9e-ace3-8c6d8abe081e": [ "1df26b29-b21a-41a1-b2c6-546eae7d8afb" ], "06a543b6-6849-455d-b1da-be20794ce597": [ "1df26b29-b21a-41a1-b2c6-546eae7d8afb" ], "e7288c63-1a09-438c-b6c9-7ea8483fa982": [ "db79482d-cc7c-41e9-9479-684382a05072" ], "14e1f0fc-1cb7-4331-91d9-f38b9fdc798f": [ "db79482d-cc7c-41e9-9479-684382a05072" ], "a003e309-82e6-401c-a21b-9c814c11b965": [ "db79482d-cc7c-41e9-9479-684382a05072" ], "441a138a-58e8-4488-9904-2fffca408c20": [ "db79482d-cc7c-41e9-9479-684382a05072" ], "e864399c-8a4b-43e6-aa48-d0f2c2a022a6": [ "db79482d-cc7c-41e9-9479-684382a05072" ], "2e8b982d-2edb-40b4-a937-17c1b1bfd68f": [ "db79482d-cc7c-41e9-9479-684382a05072" ], "5d6574d8-ac90-458e-b3ec-c47b0943759d": [ "db79482d-cc7c-41e9-9479-684382a05072" ], "cf78680c-e0e9-4d9b-99bd-75ea0096c8e0": [ "db79482d-cc7c-41e9-9479-684382a05072" ], "8e23f1ec-afff-464c-aaf8-0310e6712fc4": [ "db79482d-cc7c-41e9-9479-684382a05072" ], "87037dd0-6f60-48be-a143-4e2b8b22856f": [ "db79482d-cc7c-41e9-9479-684382a05072" ], "243e9ded-219c-412b-abdd-aac902d79061": [ "1956bf59-760a-4f5b-b032-ab473fc077af" ], "f32807a3-ff22-4be4-9eea-010535136552": [ "1956bf59-760a-4f5b-b032-ab473fc077af" ], "3a84cf87-d437-4822-9d58-b93018b73ba5": [ "1956bf59-760a-4f5b-b032-ab473fc077af" ], "5992f99c-4a44-42a6-8634-24f7a8e06a0e": [ "1956bf59-760a-4f5b-b032-ab473fc077af" ], "0caaa3fe-ff1a-412f-9e15-276c69b5d8b7": [ "1956bf59-760a-4f5b-b032-ab473fc077af" ], "3386877f-cfa6-4a4d-ab79-8b77da751c0b": [ "1956bf59-760a-4f5b-b032-ab473fc077af" ], "496d75ac-6564-4d43-994f-e8f10be620a4": [ "1956bf59-760a-4f5b-b032-ab473fc077af" ], "71b746e2-5d9d-4bb1-877b-20f5d870e641": [ "1956bf59-760a-4f5b-b032-ab473fc077af" ], "f6e3002d-b130-46ef-b43b-203e144a4e35": [ "1956bf59-760a-4f5b-b032-ab473fc077af" ], "a2d2628e-aede-48e1-93c0-5b3799cc02a2": [ "1956bf59-760a-4f5b-b032-ab473fc077af" ], "8483b7a9-2978-4530-812f-f200e899f609": [ "533b787e-fe14-4eff-99f0-25bc0d4469bd" ], "39515d3f-0123-4594-b15b-946a34b18973": [ "533b787e-fe14-4eff-99f0-25bc0d4469bd" ], "24596bb3-c9d1-4d02-a230-b8db6d925a6d": [ "533b787e-fe14-4eff-99f0-25bc0d4469bd" ], "98e90ba4-1d58-440d-8ca9-e49768c35b72": [ "533b787e-fe14-4eff-99f0-25bc0d4469bd" ], "c5828b0a-1695-474d-a28d-0d521ab04241": [ "533b787e-fe14-4eff-99f0-25bc0d4469bd" ], "deb38ace-22c9-4f06-89ad-231f6a0b6139": [ "533b787e-fe14-4eff-99f0-25bc0d4469bd" ], "9e6a28d0-09e2-472a-87bc-0d5908895c8d": [ "533b787e-fe14-4eff-99f0-25bc0d4469bd" ], "12997def-84c9-45c1-baf5-3caf60151af5": [ "533b787e-fe14-4eff-99f0-25bc0d4469bd" ], "90b9707d-4fb9-4df9-a908-cd1584b11c32": [ "533b787e-fe14-4eff-99f0-25bc0d4469bd" ], "3e086517-531a-4f34-827e-8cc86e3fef02": [ "533b787e-fe14-4eff-99f0-25bc0d4469bd" ], "7af86cbc-0889-415b-9dad-8c9c5c1a9a71": [ "eaa9c854-f611-4958-9c51-8d484e9f2186" ], "1aebf5f6-b40f-4d97-9133-f5021f0f0650": [ "eaa9c854-f611-4958-9c51-8d484e9f2186" ], "d19e87fb-4b9c-4c39-857c-049642b2396c": [ "eaa9c854-f611-4958-9c51-8d484e9f2186" ], "a2cfad86-86f4-44fc-9810-7d45ea6b8c4b": [ "eaa9c854-f611-4958-9c51-8d484e9f2186" ], "dfc27376-34c9-48f4-b161-16456c571d3d": [ "eaa9c854-f611-4958-9c51-8d484e9f2186" ], "17fa17f8-77ad-4ceb-8109-96236d0ece83": [ "eaa9c854-f611-4958-9c51-8d484e9f2186" ], "4e3ef32c-44df-4148-b6ec-6eaa8014cbe9": [ "eaa9c854-f611-4958-9c51-8d484e9f2186" ], "e98ecc3f-0bd7-4d46-b6bc-c4731dc90d50": [ "eaa9c854-f611-4958-9c51-8d484e9f2186" ], "2b951ec5-15d8-470d-82ed-923ede089706": [ "eaa9c854-f611-4958-9c51-8d484e9f2186" ], "5916e5d3-9b62-4a7d-adc0-b6c313eaa355": [ "eaa9c854-f611-4958-9c51-8d484e9f2186" ], "a5e1057e-0838-488c-a835-462de224e127": [ "231c251a-4338-4536-845b-9fbbcdcaa20b" ], "68aecaa4-7f97-4a06-b9c4-19eca5cd1e2d": [ "231c251a-4338-4536-845b-9fbbcdcaa20b" ], "a2cb2791-e743-4b71-8f22-e1b7c560ddf2": [ "231c251a-4338-4536-845b-9fbbcdcaa20b" ], "59bae65b-06d2-4c6f-ab1c-142321d2243e": [ "231c251a-4338-4536-845b-9fbbcdcaa20b" ], "01c77786-68e0-4b90-b571-2479e2919a52": [ "231c251a-4338-4536-845b-9fbbcdcaa20b" ], "caf86e70-775b-43d7-9a21-a0c2472e121a": [ "231c251a-4338-4536-845b-9fbbcdcaa20b" ], "1cbc50b6-8f8f-4cac-91b4-2590dd446cc8": [ "231c251a-4338-4536-845b-9fbbcdcaa20b" ], "f09820e7-85f5-4af8-b949-8ba372cc94d4": [ "231c251a-4338-4536-845b-9fbbcdcaa20b" ], "ab363d71-addd-4dc0-b06b-a42014a19e49": [ "231c251a-4338-4536-845b-9fbbcdcaa20b" ], "55ec3925-cb73-4d61-a8e2-4cedd82df3c9": [ "231c251a-4338-4536-845b-9fbbcdcaa20b" ], "fd6dbeaa-4106-45de-a578-a57e41ff5ac5": [ "f50ffb15-85c5-419f-b19e-fab13a512cd9" ], "26060b32-a620-4413-a2f1-df8bcfe97c2c": [ "f50ffb15-85c5-419f-b19e-fab13a512cd9" ], "c4bc959a-eb60-4606-8502-6f8b8e94bb83": [ "f50ffb15-85c5-419f-b19e-fab13a512cd9" ], "e7c918e4-ff7b-4725-abd2-269ae9486a11": [ "f50ffb15-85c5-419f-b19e-fab13a512cd9" ], "7dce43a5-c418-4f8d-bec7-358cb7f512b5": [ "f50ffb15-85c5-419f-b19e-fab13a512cd9" ], "4b77b5c5-28f0-406b-920a-7e36b2a0764a": [ "f50ffb15-85c5-419f-b19e-fab13a512cd9" ], "f4188c12-ec47-4051-bc0a-cd475fd81866": [ "f50ffb15-85c5-419f-b19e-fab13a512cd9" ], "4ec69587-f974-480e-b776-c2e0027fdd14": [ "f50ffb15-85c5-419f-b19e-fab13a512cd9" ], "0258133e-d139-4a5a-9009-9d1745e685cb": [ "f50ffb15-85c5-419f-b19e-fab13a512cd9" ], "f8f8fcc6-5bde-4b85-ad57-82dec52966e0": [ "f50ffb15-85c5-419f-b19e-fab13a512cd9" ], "1faa5dd8-9746-4840-839f-f3bc2cdfe956": [ "19ec3ebd-d056-4959-b0c4-f0d39fbf1c1d" ], "d25abd4b-f703-48f6-aa9f-a348d36fff62": [ "19ec3ebd-d056-4959-b0c4-f0d39fbf1c1d" ], "6e484a8c-6b55-4461-84dd-db99f414b4d2": [ "19ec3ebd-d056-4959-b0c4-f0d39fbf1c1d" ], "9a9a57a7-1055-475e-9e62-4030dd8eb8ed": [ "19ec3ebd-d056-4959-b0c4-f0d39fbf1c1d" ], "94f801f6-88d9-4434-a64d-ab246fd7f680": [ "19ec3ebd-d056-4959-b0c4-f0d39fbf1c1d" ], "ac4d23cb-c5fc-4350-80ac-6307105c36cd": [ "19ec3ebd-d056-4959-b0c4-f0d39fbf1c1d" ], "95c30e9f-bff3-432e-95d3-f58e40efe018": [ "19ec3ebd-d056-4959-b0c4-f0d39fbf1c1d" ], "68f95078-0995-4c25-87c0-8fcfb4cfc1ed": [ "19ec3ebd-d056-4959-b0c4-f0d39fbf1c1d" ], "50901854-ecb0-4f80-9399-b5cea3bf8a09": [ "19ec3ebd-d056-4959-b0c4-f0d39fbf1c1d" ], "dbfc8a68-b4a4-4ba1-b736-f33b2e3365c9": [ "19ec3ebd-d056-4959-b0c4-f0d39fbf1c1d" ], "3945c6f7-a857-4052-9722-9708ac1b46b7": [ "f458b592-a23b-4711-937a-ae98dfe45fa5" ], "c579ae65-53ff-4f69-bee5-0959347ecfb4": [ "f458b592-a23b-4711-937a-ae98dfe45fa5" ], "abb01fe5-8028-4e5b-b4aa-21d58776a267": [ "f458b592-a23b-4711-937a-ae98dfe45fa5" ], "3b325c7b-0c0e-46f2-9f9a-664c63c4d7d5": [ "f458b592-a23b-4711-937a-ae98dfe45fa5" ], "b4c81035-5bb6-4224-bf68-3868ef530975": [ "f458b592-a23b-4711-937a-ae98dfe45fa5" ], "00842cd1-71f4-43dd-910c-36b28573f578": [ "f458b592-a23b-4711-937a-ae98dfe45fa5" ], "35f3d82e-c5d2-4f7e-8dac-32173dccfaae": [ "f458b592-a23b-4711-937a-ae98dfe45fa5" ], "21267224-5331-4496-8746-c4a1756c43a7": [ "f458b592-a23b-4711-937a-ae98dfe45fa5" ], "68ee84cf-f1e2-434a-a934-9d06e09da867": [ "f458b592-a23b-4711-937a-ae98dfe45fa5" ], "093d0665-51e3-455d-b8f6-a4ae9dc1d93f": [ "f458b592-a23b-4711-937a-ae98dfe45fa5" ], "75537838-0643-48be-9858-46b27d2c8f18": [ "abd3e9d4-6bab-455c-83fc-4a9c992cfcdd" ], "b64fca7b-ef9b-45bd-b3f0-458babfbb31c": [ "abd3e9d4-6bab-455c-83fc-4a9c992cfcdd" ], "58f88386-0e08-44d6-81c7-23d60294cc9a": [ "abd3e9d4-6bab-455c-83fc-4a9c992cfcdd" ], "6edd30e8-98f4-4f1a-8308-8e6521c63f61": [ "abd3e9d4-6bab-455c-83fc-4a9c992cfcdd" ], "2aac1945-89b6-4cd7-9faa-6fd0538a8df2": [ "abd3e9d4-6bab-455c-83fc-4a9c992cfcdd" ], "f2944cf9-cc51-4e0a-a35c-33707b30e856": [ "abd3e9d4-6bab-455c-83fc-4a9c992cfcdd" ], "4dbfed4a-f6ac-428e-b04e-ca8390d0a878": [ "abd3e9d4-6bab-455c-83fc-4a9c992cfcdd" ], "0fc8a0fe-e93e-42f9-8428-ba944526755f": [ "abd3e9d4-6bab-455c-83fc-4a9c992cfcdd" ], "1e3e92d9-5a7c-4aca-8aa1-11f963e07090": [ "abd3e9d4-6bab-455c-83fc-4a9c992cfcdd" ], "556670f9-12ac-4ca0-b5ea-b10a691b36ba": [ "abd3e9d4-6bab-455c-83fc-4a9c992cfcdd" ], "0cea96b6-2fbe-4ada-9935-19467e36454f": [ "ec92e8b5-6b46-4231-bea2-9be8ea938006" ], "ac1dbb2a-f4e8-4fc7-8624-1bd8ae49e903": [ "ec92e8b5-6b46-4231-bea2-9be8ea938006" ], "64a71013-ccb7-4db0-8cbb-1a151ead0920": [ "ec92e8b5-6b46-4231-bea2-9be8ea938006" ], "f39b1c8c-9662-483c-a80d-d8abe37dd4c3": [ "ec92e8b5-6b46-4231-bea2-9be8ea938006" ], "105b625e-4beb-4c86-b753-9f1cf8022248": [ "ec92e8b5-6b46-4231-bea2-9be8ea938006" ], "443bb9cf-0b28-4a93-a3d9-08bc0127412c": [ "ec92e8b5-6b46-4231-bea2-9be8ea938006" ], "85355340-79c6-46e6-ae4e-4cf73c0ad636": [ "ec92e8b5-6b46-4231-bea2-9be8ea938006" ], "23fedf88-086d-4dd5-8e7f-70c1740831d9": [ "ec92e8b5-6b46-4231-bea2-9be8ea938006" ], "314460e4-a071-4668-8625-7f755b73f9cd": [ "ec92e8b5-6b46-4231-bea2-9be8ea938006" ], "7020b8d1-2c9c-44eb-a584-cbcec8872664": [ "ec92e8b5-6b46-4231-bea2-9be8ea938006" ], "d749d7f2-b876-4556-9e83-174fb215d0db": [ "9849fafe-fd8f-4a08-bea6-9106ee193964" ], "681d2483-32c7-4d12-824c-5461e25b5c5f": [ "9849fafe-fd8f-4a08-bea6-9106ee193964" ], "5a371bf0-131b-42d3-98d3-9cba4762ca0c": [ "9849fafe-fd8f-4a08-bea6-9106ee193964" ], "fb99e8a5-b7c5-46c8-a627-b1ac6283e2fb": [ "9849fafe-fd8f-4a08-bea6-9106ee193964" ], "7b504f19-b161-4b93-9028-00fac213e37a": [ "9849fafe-fd8f-4a08-bea6-9106ee193964" ], "a41dcf12-4054-43bd-a206-fb41b6227d8c": [ "9849fafe-fd8f-4a08-bea6-9106ee193964" ], "bf920631-49cb-4cc5-8f7d-86259688c5b0": [ "9849fafe-fd8f-4a08-bea6-9106ee193964" ], "e827fe54-9b9f-4bdb-94be-83c87fa77db9": [ "9849fafe-fd8f-4a08-bea6-9106ee193964" ], "c9b38c13-ed64-4277-81a3-5cd9b9989f30": [ "9849fafe-fd8f-4a08-bea6-9106ee193964" ], "77562b1a-693f-4a77-b42f-7d47833d3e4b": [ "9849fafe-fd8f-4a08-bea6-9106ee193964" ], "1cf046db-9331-4263-b80c-437ab9fa6bc1": [ "6214da65-aa38-4e9e-a6f8-360ec67b3eaa" ], "31c9e52d-f5d1-4997-80a3-d49a90e3482e": [ "6214da65-aa38-4e9e-a6f8-360ec67b3eaa" ], "f58026fd-a3de-4ac8-8a98-a9305febc540": [ "6214da65-aa38-4e9e-a6f8-360ec67b3eaa" ], "fa3630cc-4a12-4bab-bc1d-f1e13c54aeca": [ "6214da65-aa38-4e9e-a6f8-360ec67b3eaa" ], "784dbe90-6786-443a-9b7c-b4128fa09b1d": [ "6214da65-aa38-4e9e-a6f8-360ec67b3eaa" ], "1a12c49c-c0fc-47e9-8a34-4a2c97121467": [ "6214da65-aa38-4e9e-a6f8-360ec67b3eaa" ], "532e8da7-3b07-4502-b58b-904accc33df1": [ "6214da65-aa38-4e9e-a6f8-360ec67b3eaa" ], "1f892e23-fa4c-4a0a-a77f-67163d181a57": [ "6214da65-aa38-4e9e-a6f8-360ec67b3eaa" ], "b6268f7a-f99d-4214-a2d4-b16193b0d326": [ "6214da65-aa38-4e9e-a6f8-360ec67b3eaa" ], "e08143e1-11a8-4668-b172-2ac1edbf9cf3": [ "6214da65-aa38-4e9e-a6f8-360ec67b3eaa" ], "6115abfd-8249-4d87-934b-2872d14e7222": [ "96916952-7ce9-475e-81a4-df7364ed2da5" ], "4b95a989-2d34-45d2-8fc5-e440b69e498c": [ "96916952-7ce9-475e-81a4-df7364ed2da5" ], "f941e474-5165-4273-b0f4-00d86c7e39ae": [ "96916952-7ce9-475e-81a4-df7364ed2da5" ], "94f2bd57-87df-4621-8d52-ab09b920c23f": [ "96916952-7ce9-475e-81a4-df7364ed2da5" ], "b580088e-68b0-4aa9-9ec5-a6c38d63ed8b": [ "96916952-7ce9-475e-81a4-df7364ed2da5" ], "c5f83a54-aef0-4522-8eae-dfc4d52ec801": [ "96916952-7ce9-475e-81a4-df7364ed2da5" ], "060c6301-7045-4beb-a5e9-0bdb07a35e98": [ "96916952-7ce9-475e-81a4-df7364ed2da5" ], "57baf452-881d-4e65-bdf5-76be288a1b7d": [ "96916952-7ce9-475e-81a4-df7364ed2da5" ], "6c40450f-dcaa-4897-b887-44ffac72318d": [ "96916952-7ce9-475e-81a4-df7364ed2da5" ], "fe6a0b44-71cf-477c-a2d7-0143ce7fb039": [ "96916952-7ce9-475e-81a4-df7364ed2da5" ], "7c3a1538-26a4-40cf-af94-ba2f045de566": [ "5120826e-41a0-4756-8d5d-35b4c85cdc9b" ], "d2263149-07c1-433e-bd92-89e2ee017f2d": [ "5120826e-41a0-4756-8d5d-35b4c85cdc9b" ], "937caabd-5abc-461c-904a-36451fa48849": [ "5120826e-41a0-4756-8d5d-35b4c85cdc9b" ], "bea71997-c4d9-46cf-8c71-713e527d3f81": [ "5120826e-41a0-4756-8d5d-35b4c85cdc9b" ], "bc5de509-4641-4601-ad5c-2513de332705": [ "5120826e-41a0-4756-8d5d-35b4c85cdc9b" ], "1dffdc64-cad5-4e35-827a-1a5d8bc3c1f2": [ "5120826e-41a0-4756-8d5d-35b4c85cdc9b" ], "172b0948-7137-45c6-933c-71692b75a1f8": [ "5120826e-41a0-4756-8d5d-35b4c85cdc9b" ], "23238b3a-4523-475f-91c5-13c20fc49fe2": [ "5120826e-41a0-4756-8d5d-35b4c85cdc9b" ], "b310d55a-872f-416d-87fe-2573387fe872": [ "5120826e-41a0-4756-8d5d-35b4c85cdc9b" ], "7f5d93bb-8d16-4eb9-af54-a5e4979d518d": [ "5120826e-41a0-4756-8d5d-35b4c85cdc9b" ], "fa467fbf-9a44-41ac-aa8f-ff2371f61cfa": [ "877c4acf-0110-4017-9b1e-677959c309da" ], "9fd7b0fc-3dda-4938-98df-cec98e0b8eb2": [ "877c4acf-0110-4017-9b1e-677959c309da" ], "c4235b50-6ca2-4cae-b86b-d75dc6888433": [ "877c4acf-0110-4017-9b1e-677959c309da" ], "161cf333-1120-4009-ab34-5bf086bfd24f": [ "877c4acf-0110-4017-9b1e-677959c309da" ], "4cef9b88-3f9b-4d30-a846-12944532daef": [ "877c4acf-0110-4017-9b1e-677959c309da" ], "877c9959-d785-408a-8e7f-c2e2b034607e": [ "877c4acf-0110-4017-9b1e-677959c309da" ], "25c2916e-dc3b-4360-a8dd-3002b83e2169": [ "877c4acf-0110-4017-9b1e-677959c309da" ], "ec980513-589b-4513-abbb-8617f324b028": [ "877c4acf-0110-4017-9b1e-677959c309da" ], "874c64f5-1442-45a0-ab65-7b20022a8104": [ "877c4acf-0110-4017-9b1e-677959c309da" ], "dfb3b4fc-24d8-4e30-b228-af42c74bf203": [ "877c4acf-0110-4017-9b1e-677959c309da" ], "33a8d771-0df7-4c40-aea6-f5a1c04ca722": [ "4dc8922d-3c89-4c97-973f-eb3c08aecccd" ], "54304a95-fdea-4aa2-8834-eb9169f53a05": [ "4dc8922d-3c89-4c97-973f-eb3c08aecccd" ], "3cad7cee-3da9-449c-a128-1ebecb2edeb4": [ "4dc8922d-3c89-4c97-973f-eb3c08aecccd" ], "66e40db8-fb9e-4ee3-bd58-5cfd397e73c9": [ "4dc8922d-3c89-4c97-973f-eb3c08aecccd" ], "9d1a4292-6f77-46b2-bda9-3b59463ae730": [ "4dc8922d-3c89-4c97-973f-eb3c08aecccd" ], "23e09b26-0846-4bf0-8e68-61e27372c94b": [ "4dc8922d-3c89-4c97-973f-eb3c08aecccd" ], "4f2604c6-8743-4b1d-a678-e7c31350ca97": [ "4dc8922d-3c89-4c97-973f-eb3c08aecccd" ], "2319373f-a1b3-49a1-a251-bfe1c9fc6228": [ "4dc8922d-3c89-4c97-973f-eb3c08aecccd" ], "9ec524b7-2775-410f-b45d-3de315c87ce2": [ "4dc8922d-3c89-4c97-973f-eb3c08aecccd" ], "2b1bc67d-b9f1-4db3-aa16-1d837857722f": [ "4dc8922d-3c89-4c97-973f-eb3c08aecccd" ], "2f9084a9-2b8f-4c95-88f9-e72911d0fba9": [ "2f58bd56-4c3c-4f0b-810e-0bb8023f9afe" ], "e5ce5c64-4207-4f87-ae0a-9f1ec5f5a41d": [ "2f58bd56-4c3c-4f0b-810e-0bb8023f9afe" ], "7916f9bc-d1d4-4508-99c1-3763be12a20f": [ "2f58bd56-4c3c-4f0b-810e-0bb8023f9afe" ], "d53a91f7-90ee-4f1c-99f0-0f6b319c014d": [ "2f58bd56-4c3c-4f0b-810e-0bb8023f9afe" ], "6126a0b9-a57d-4d51-9fcb-3751aba3e543": [ "2f58bd56-4c3c-4f0b-810e-0bb8023f9afe" ], "1688d3a8-8ffc-4ef6-b81f-0d1d2573faa3": [ "2f58bd56-4c3c-4f0b-810e-0bb8023f9afe" ], "3debbd38-1160-499a-bf9f-a3bf52bd0f64": [ "2f58bd56-4c3c-4f0b-810e-0bb8023f9afe" ], "e982d489-0f2f-4684-955d-f97ded18701e": [ "2f58bd56-4c3c-4f0b-810e-0bb8023f9afe" ], "fa5b9a28-40af-45c1-849f-871a15bb4e84": [ "2f58bd56-4c3c-4f0b-810e-0bb8023f9afe" ], "0104a060-e962-472a-9ad1-36d9e5066158": [ "2f58bd56-4c3c-4f0b-810e-0bb8023f9afe" ], "28d1ec99-b197-44b1-88d8-0e05745ede21": [ "ac47ead5-f967-4d1b-b44a-3e69ed9375be" ], "fc1cdb19-c4ef-4d95-82d9-30996b597732": [ "ac47ead5-f967-4d1b-b44a-3e69ed9375be" ], "b4d0d309-b0f6-4ac4-b7da-8e28168debd3": [ "ac47ead5-f967-4d1b-b44a-3e69ed9375be" ], "c92af593-ae29-4c21-bb11-952d234d28c1": [ "ac47ead5-f967-4d1b-b44a-3e69ed9375be" ], "97672324-e51b-42b4-8d62-6e78608ba4c4": [ "ac47ead5-f967-4d1b-b44a-3e69ed9375be" ], "d17ede0b-4dc9-4949-8daa-965d3cb6e27d": [ "ac47ead5-f967-4d1b-b44a-3e69ed9375be" ], "f15d2d0e-338d-40ea-91ab-ce19eb037423": [ "ac47ead5-f967-4d1b-b44a-3e69ed9375be" ], "b6ae2ac3-4883-402c-8bd9-429c56f7ad93": [ "ac47ead5-f967-4d1b-b44a-3e69ed9375be" ], "be493c08-2659-45bc-a5a5-f176e2a64f04": [ "ac47ead5-f967-4d1b-b44a-3e69ed9375be" ], "ffb01a99-23d5-4fe0-8088-714e3264b7cc": [ "ac47ead5-f967-4d1b-b44a-3e69ed9375be" ], "0e7d9c3d-c742-45a1-9216-965935b80d80": [ "9bb98c0b-aa05-47e1-ba8c-d013679a4475" ], "9ba067a1-3b03-4689-8088-bd2a7cb837ba": [ "9bb98c0b-aa05-47e1-ba8c-d013679a4475" ], "6ee5228d-ccef-4d8a-9871-b0be7ed9bd95": [ "9bb98c0b-aa05-47e1-ba8c-d013679a4475" ], "af8a10a4-c450-4b44-aeea-adee14309e43": [ "9bb98c0b-aa05-47e1-ba8c-d013679a4475" ], "26f34c5b-d3d0-4562-baab-1a9b517b0942": [ "9bb98c0b-aa05-47e1-ba8c-d013679a4475" ], "25efe93b-f66a-4201-bead-44b8de7b56ef": [ "9bb98c0b-aa05-47e1-ba8c-d013679a4475" ], "504b148d-49ee-4f82-b2c0-04b47de0234c": [ "9bb98c0b-aa05-47e1-ba8c-d013679a4475" ], "161db1b3-af14-4702-be5e-77fdf4fd6a3c": [ "9bb98c0b-aa05-47e1-ba8c-d013679a4475" ], "d2a24dca-857c-4232-b18c-4df160772d32": [ "9bb98c0b-aa05-47e1-ba8c-d013679a4475" ], "8bb5f820-38da-4c7f-9b22-de3db0ee160d": [ "9bb98c0b-aa05-47e1-ba8c-d013679a4475" ], "83ee06f2-851a-49ca-8a37-6865c66d14fe": [ "c1078b12-3cdb-4c20-942b-e1590749d4c1" ], "3e28d8ea-5874-4ba5-a050-2a1d6c01ebe5": [ "c1078b12-3cdb-4c20-942b-e1590749d4c1" ], "14059351-6cdb-46c4-9f4b-a0d9f47ca19b": [ "c1078b12-3cdb-4c20-942b-e1590749d4c1" ], "f6e26463-de30-4bf8-ac6e-36603fb4ab93": [ "c1078b12-3cdb-4c20-942b-e1590749d4c1" ], "153b3b14-a598-4b9d-b9d6-299e308fc4b8": [ "c1078b12-3cdb-4c20-942b-e1590749d4c1" ], "00f232f4-1c0c-4048-811b-991294888496": [ "c1078b12-3cdb-4c20-942b-e1590749d4c1" ], "ea4716aa-a02b-4f3d-bd9d-fa29d946afc4": [ "c1078b12-3cdb-4c20-942b-e1590749d4c1" ], "e38da0b4-03c1-4169-a363-143ece81304e": [ "c1078b12-3cdb-4c20-942b-e1590749d4c1" ], "d655deff-242a-453a-bd71-0f90be6f5e66": [ "c1078b12-3cdb-4c20-942b-e1590749d4c1" ], "a49da4bd-fc84-4281-8ca0-b54f6160e22e": [ "c1078b12-3cdb-4c20-942b-e1590749d4c1" ], "472bec8e-cc76-4192-b0f3-1b876d405a5b": [ "a84d07fd-04bd-4d42-bc09-c1f87f6e3a88" ], "cdb54515-e0ef-4149-8cc5-c1c35432b1a6": [ "a84d07fd-04bd-4d42-bc09-c1f87f6e3a88" ], "0d6e8018-2c5e-46aa-ba5e-4dbe4d7ec2d4": [ "a84d07fd-04bd-4d42-bc09-c1f87f6e3a88" ], "1d359fa8-0b4e-420e-bf09-f6598a9c9e14": [ "a84d07fd-04bd-4d42-bc09-c1f87f6e3a88" ], "fd265af3-3670-47ce-ae3e-a3c46c5e82e6": [ "a84d07fd-04bd-4d42-bc09-c1f87f6e3a88" ], "95a9fa67-1e66-495e-aeb2-3117cfddd643": [ "a84d07fd-04bd-4d42-bc09-c1f87f6e3a88" ], "d382b340-e80e-4695-aad9-5e5e01ab9cb3": [ "a84d07fd-04bd-4d42-bc09-c1f87f6e3a88" ], "f8a6b902-e8d0-45fd-a6ac-1eb4a43f93c8": [ "a84d07fd-04bd-4d42-bc09-c1f87f6e3a88" ], "a6acb91e-a690-4683-924e-8ff93e48a568": [ "a84d07fd-04bd-4d42-bc09-c1f87f6e3a88" ], "67b81919-08c2-469e-9284-45f65b790631": [ "a84d07fd-04bd-4d42-bc09-c1f87f6e3a88" ], "4151820d-47b5-4e33-8e8d-d9ff5ec4411a": [ "ab7a960b-0395-4010-bf47-8fa22f8bb703" ], "5fce7b21-0797-4c9e-a654-1bd73e09ff51": [ "ab7a960b-0395-4010-bf47-8fa22f8bb703" ], "65860cda-7302-496c-9afd-f47eda7752c0": [ "ab7a960b-0395-4010-bf47-8fa22f8bb703" ], "0a730f0e-5b2d-4535-8901-4b4f200d34d8": [ "ab7a960b-0395-4010-bf47-8fa22f8bb703" ], "307e05bb-1513-4796-a253-1929f47144c5": [ "ab7a960b-0395-4010-bf47-8fa22f8bb703" ], "ed2a6089-8638-46c0-a05c-573176ab91e8": [ "ab7a960b-0395-4010-bf47-8fa22f8bb703" ], "aa474f97-ff25-44f1-898f-74ebaead7d89": [ "ab7a960b-0395-4010-bf47-8fa22f8bb703" ], "7791db18-ee2a-429b-8b0c-c89394b70f1c": [ "ab7a960b-0395-4010-bf47-8fa22f8bb703" ], "02d4e542-acd3-462c-916b-09c2bb5b933d": [ "ab7a960b-0395-4010-bf47-8fa22f8bb703" ], "f8a0942f-69ca-45af-8fb7-7d251564aa56": [ "ab7a960b-0395-4010-bf47-8fa22f8bb703" ], "a6b68ca7-efbd-44e8-b7c5-f95bbf0eeeb0": [ "2436bc83-4c0d-488f-93e3-902ea31d47aa" ], "d4acb9fc-f52d-4e80-8da3-ea229e877e12": [ "2436bc83-4c0d-488f-93e3-902ea31d47aa" ], "14b683df-ad2f-44d4-acb9-c7f906c2f016": [ "2436bc83-4c0d-488f-93e3-902ea31d47aa" ], "cd7f8698-22c2-4022-a4a7-5c766a012381": [ "2436bc83-4c0d-488f-93e3-902ea31d47aa" ], "75aaecd7-d5c2-4238-9412-5ed397eeedea": [ "2436bc83-4c0d-488f-93e3-902ea31d47aa" ], "29ba6303-044d-449f-9e1a-b5761948d565": [ "2436bc83-4c0d-488f-93e3-902ea31d47aa" ], "0a1335c0-81e7-479f-9362-2e3f99af7484": [ "2436bc83-4c0d-488f-93e3-902ea31d47aa" ], "e32b534b-4f89-4fb4-bfb9-cce71e1c67b2": [ "2436bc83-4c0d-488f-93e3-902ea31d47aa" ], "34eed536-9699-453c-8c5e-79a8531b8ebd": [ "2436bc83-4c0d-488f-93e3-902ea31d47aa" ], "b8f2f9b5-4c8e-45b0-a15b-a498fe6e90bc": [ "2436bc83-4c0d-488f-93e3-902ea31d47aa" ], "03a71722-4454-4245-8fc1-ce2047676175": [ "74b26d6d-9955-4ad9-b985-184df7fc9e26" ], "44de2d3a-9f00-4194-a978-f11eb326947e": [ "74b26d6d-9955-4ad9-b985-184df7fc9e26" ], "12150894-0455-4be3-82d2-a8bdf7dd497c": [ "74b26d6d-9955-4ad9-b985-184df7fc9e26" ], "abab8950-bef8-4ed1-bce0-68bf05540e70": [ "74b26d6d-9955-4ad9-b985-184df7fc9e26" ], "6726a366-c5d7-4eef-8343-917e9f28234f": [ "74b26d6d-9955-4ad9-b985-184df7fc9e26" ], "fd78f269-04ce-4393-ade4-b75766eeb733": [ "74b26d6d-9955-4ad9-b985-184df7fc9e26" ], "fae02bd6-ac59-45ea-85e4-d9cf81aab190": [ "74b26d6d-9955-4ad9-b985-184df7fc9e26" ], "f0cdedb9-e000-4a22-bb10-bed1dada8c9c": [ "74b26d6d-9955-4ad9-b985-184df7fc9e26" ], "6b90b0f1-b503-45ff-8e85-e20d2a711afc": [ "74b26d6d-9955-4ad9-b985-184df7fc9e26" ], "f9adf80b-25e5-44ed-a5ef-021e4a857f82": [ "74b26d6d-9955-4ad9-b985-184df7fc9e26" ], "afb59753-39b5-4a88-878c-d6ae95c68f4c": [ "ea6e7413-9724-402a-b317-4f0007fdf09b" ], "3b4c978b-118c-4d66-b9dc-420bdda939ad": [ "ea6e7413-9724-402a-b317-4f0007fdf09b" ], "a47340ab-4bdb-404c-909f-fff4972add4d": [ "ea6e7413-9724-402a-b317-4f0007fdf09b" ], "dacd4b4e-261a-49d0-8895-6285e5d04c0b": [ "ea6e7413-9724-402a-b317-4f0007fdf09b" ], "e6cec1ec-3838-4d36-aaa6-7ea191d232fc": [ "ea6e7413-9724-402a-b317-4f0007fdf09b" ], "a6308805-94c4-46d5-be41-019dff691ad0": [ "ea6e7413-9724-402a-b317-4f0007fdf09b" ], "dbd9075e-09fa-4366-bfab-a52af1768636": [ "ea6e7413-9724-402a-b317-4f0007fdf09b" ], "d4b74213-a9aa-4402-bb97-ebde542a39dc": [ "ea6e7413-9724-402a-b317-4f0007fdf09b" ], "d9b11631-0c98-4da0-a4d5-47c68742d26d": [ "ea6e7413-9724-402a-b317-4f0007fdf09b" ], "881d00df-67d8-490d-97d7-847530b8b462": [ "ea6e7413-9724-402a-b317-4f0007fdf09b" ], "ac582540-6a61-46b7-a8fa-f7ef2fb1db2d": [ "7a95f62e-9522-4165-bca8-b6cae428d3ef" ], "b666a68a-d51e-4947-89d3-8a0ff5bf2fa0": [ "7a95f62e-9522-4165-bca8-b6cae428d3ef" ], "7c5ec1f0-0205-40d3-ae23-339c60ee7f2f": [ "7a95f62e-9522-4165-bca8-b6cae428d3ef" ], "e6a73bd6-5d3d-4200-ba76-5f0cc775d277": [ "7a95f62e-9522-4165-bca8-b6cae428d3ef" ], "19f7e476-1dd9-42cc-80a6-306a7261a56a": [ "7a95f62e-9522-4165-bca8-b6cae428d3ef" ], "1c603680-738e-432c-b5c0-161b5fb98218": [ "7a95f62e-9522-4165-bca8-b6cae428d3ef" ], "dae351b7-6fb3-47a7-8bd2-239aa000a81e": [ "7a95f62e-9522-4165-bca8-b6cae428d3ef" ], "502b559d-85a3-4947-a791-bdac00449ec4": [ "7a95f62e-9522-4165-bca8-b6cae428d3ef" ], "adf287b4-db9a-4a48-8616-b249e5276dc1": [ "7a95f62e-9522-4165-bca8-b6cae428d3ef" ], "0be87c28-b6f5-4b6a-8112-25215be29065": [ "7a95f62e-9522-4165-bca8-b6cae428d3ef" ], "c72d2f03-f57d-4587-af30-e9dd42adbd74": [ "de03ee9f-c482-4343-8ed8-adbcaf420d99" ], "5b309faa-da5e-483f-8033-c5d9b0cb85ae": [ "de03ee9f-c482-4343-8ed8-adbcaf420d99" ], "9186e3cc-b153-4d59-8363-d543bd391e6a": [ "de03ee9f-c482-4343-8ed8-adbcaf420d99" ], "e7defe44-9e75-4716-ae7b-ad318f0bfb24": [ "de03ee9f-c482-4343-8ed8-adbcaf420d99" ], "2ff644b1-023c-452e-8d48-b21fe13a48e9": [ "de03ee9f-c482-4343-8ed8-adbcaf420d99" ], "70cdc7d6-03b7-43b4-8685-9bc873893318": [ "de03ee9f-c482-4343-8ed8-adbcaf420d99" ], "6261173b-7ec3-446c-9810-dc1e01e7ad78": [ "de03ee9f-c482-4343-8ed8-adbcaf420d99" ], "a04ba8a9-8464-44fb-bba5-f099586b3bca": [ "de03ee9f-c482-4343-8ed8-adbcaf420d99" ], "6a865b02-1ed9-456f-8e04-5cc85a9918b1": [ "de03ee9f-c482-4343-8ed8-adbcaf420d99" ], "6ea20ed8-49c1-4248-8d76-6f3fd1356ddf": [ "de03ee9f-c482-4343-8ed8-adbcaf420d99" ], "7095400b-4046-4c3e-adbf-67c7a28cb864": [ "8a87da1d-e4d3-4399-8934-29a8fb9c67fa" ], "07168891-b93c-462f-9c31-c039dc0f50da": [ "8a87da1d-e4d3-4399-8934-29a8fb9c67fa" ], "3a9e4e1b-2b82-442c-95e0-37cc02a49168": [ "8a87da1d-e4d3-4399-8934-29a8fb9c67fa" ], "fef62325-fcd1-46aa-9f0f-c8d42e5021cb": [ "8a87da1d-e4d3-4399-8934-29a8fb9c67fa" ], "6b1090dd-933d-4d52-b626-fbb228996349": [ "8a87da1d-e4d3-4399-8934-29a8fb9c67fa" ], "631194f3-a957-4101-89d7-60ed20202c10": [ "8a87da1d-e4d3-4399-8934-29a8fb9c67fa" ], "5b0866f1-30d7-4499-becc-3ccb2ee61cca": [ "8a87da1d-e4d3-4399-8934-29a8fb9c67fa" ], "1764e53c-c77d-42e6-a10b-18fdbb1fd218": [ "8a87da1d-e4d3-4399-8934-29a8fb9c67fa" ], "1487a843-4507-4ac3-8c87-befac538cef6": [ "8a87da1d-e4d3-4399-8934-29a8fb9c67fa" ], "80351aea-2f44-41e9-8f52-7a2e899c690a": [ "8a87da1d-e4d3-4399-8934-29a8fb9c67fa" ], "52efd2ea-c23c-4ead-a90a-41081edcedfa": [ "0cb0d2c1-e8b0-42de-bc56-03c46d770d76" ], "5b138332-fdf5-477e-8afa-365fb2ce124b": [ "0cb0d2c1-e8b0-42de-bc56-03c46d770d76" ], "c213db77-1f38-43cf-a256-077e0ebe60b3": [ "0cb0d2c1-e8b0-42de-bc56-03c46d770d76" ], "5c0aac8e-de88-41c5-8b4f-5bbbf7ade8b3": [ "0cb0d2c1-e8b0-42de-bc56-03c46d770d76" ], "21f47e7a-0f8d-47a6-bc2a-27865d0d7524": [ "0cb0d2c1-e8b0-42de-bc56-03c46d770d76" ], "2a33096b-dfb5-4482-bdfb-e7072e7e9ca0": [ "0cb0d2c1-e8b0-42de-bc56-03c46d770d76" ], "539d8184-05ce-4cc9-b0a8-00adc674e1f4": [ "0cb0d2c1-e8b0-42de-bc56-03c46d770d76" ], "a90b9006-d4fb-4326-ae17-af07e00755a9": [ "0cb0d2c1-e8b0-42de-bc56-03c46d770d76" ], "2821d270-0de9-48dc-8121-b8bcea463982": [ "0cb0d2c1-e8b0-42de-bc56-03c46d770d76" ], "0f0e5853-a43f-431e-9288-53c0099f0cc4": [ "0cb0d2c1-e8b0-42de-bc56-03c46d770d76" ], "41ac560b-bd62-4d88-97f1-22a16b60b39b": [ "6d6deb5d-14b7-40b0-8f24-c23ddb762460" ], "6fbe414d-5045-424c-9167-c558ed91d978": [ "6d6deb5d-14b7-40b0-8f24-c23ddb762460" ], "9455856c-fc36-466a-ba01-912a167ebb8a": [ "6d6deb5d-14b7-40b0-8f24-c23ddb762460" ], "f77e76f6-a756-48ee-9dc0-e6fc23ea38ad": [ "6d6deb5d-14b7-40b0-8f24-c23ddb762460" ], "1c0bf995-4979-4af5-9cde-eae8de4e4be9": [ "6d6deb5d-14b7-40b0-8f24-c23ddb762460" ], "eaef4b78-d6a2-49c9-88f1-9e0e8be52b78": [ "6d6deb5d-14b7-40b0-8f24-c23ddb762460" ], "1afe3137-14d2-45a1-9a9d-8d3a34736295": [ "6d6deb5d-14b7-40b0-8f24-c23ddb762460" ], "d9168d4e-0c83-462b-82c6-6a2e48a83040": [ "6d6deb5d-14b7-40b0-8f24-c23ddb762460" ], "5498774c-a7c8-44ed-8cb8-ce1342c19496": [ "6d6deb5d-14b7-40b0-8f24-c23ddb762460" ], "d58e10bf-98ef-46d7-9520-736bdace19df": [ "6d6deb5d-14b7-40b0-8f24-c23ddb762460" ], "59fb982e-878b-420f-ac4e-caa199f61237": [ "349b89ea-f37a-4b39-bbf4-82ffab36e72a" ], "8e7ea8aa-9fe3-4538-aa57-3fd7e98ad473": [ "349b89ea-f37a-4b39-bbf4-82ffab36e72a" ], "7495d48a-e581-4f23-89d1-e858d015956a": [ "349b89ea-f37a-4b39-bbf4-82ffab36e72a" ], "c8f33b5d-3d25-490b-9e3e-cbbc29c8302c": [ "349b89ea-f37a-4b39-bbf4-82ffab36e72a" ], "968be7cd-9fe3-4bc7-8472-96d32af33fd7": [ "349b89ea-f37a-4b39-bbf4-82ffab36e72a" ], "b1356ded-bf72-4f54-bb6f-5785d8d42df2": [ "349b89ea-f37a-4b39-bbf4-82ffab36e72a" ], "7e0e1a89-4009-411c-8150-4138b712443a": [ "349b89ea-f37a-4b39-bbf4-82ffab36e72a" ], "a3069964-7da0-4482-a0b4-d593f076ab06": [ "349b89ea-f37a-4b39-bbf4-82ffab36e72a" ], "4360234a-12be-4473-8fc5-003c3f9642dc": [ "349b89ea-f37a-4b39-bbf4-82ffab36e72a" ], "025e3299-cb0c-484a-8a38-94a1e83960c5": [ "349b89ea-f37a-4b39-bbf4-82ffab36e72a" ], "33549955-b3a4-4377-a1ea-2b0e2eb753b4": [ "e2f2c05d-3b53-40c6-92aa-48ffe22bb8ac" ], "ea035208-1bce-4406-a354-9d99ebca6db5": [ "e2f2c05d-3b53-40c6-92aa-48ffe22bb8ac" ], "16795df2-5b0f-4674-95c4-969e23eebf3a": [ "e2f2c05d-3b53-40c6-92aa-48ffe22bb8ac" ], "6f1cf3c1-aed5-4b30-af68-734a40911c02": [ "e2f2c05d-3b53-40c6-92aa-48ffe22bb8ac" ], "a9e4293d-2aee-4650-8c35-6ba36814cf1b": [ "e2f2c05d-3b53-40c6-92aa-48ffe22bb8ac" ], "a99576ce-9267-4ea2-985c-f97a38821995": [ "e2f2c05d-3b53-40c6-92aa-48ffe22bb8ac" ], "79af6fd4-64ac-4fb8-ab0e-49709ebbc492": [ "e2f2c05d-3b53-40c6-92aa-48ffe22bb8ac" ], "c0a775c3-0eaf-4aa1-8e02-ec1bc6fc2c60": [ "e2f2c05d-3b53-40c6-92aa-48ffe22bb8ac" ], "2738f30f-c28d-4037-829b-16a3a5c87e3e": [ "e2f2c05d-3b53-40c6-92aa-48ffe22bb8ac" ], "91e9fe9e-3112-4ce0-ade4-5a05595e67a2": [ "e2f2c05d-3b53-40c6-92aa-48ffe22bb8ac" ], "4b6d60d7-44c6-452a-b1cd-1149f28415e9": [ "fc86e12a-d5a8-4087-80bb-e96013748bfe" ], "fa101bff-5479-410a-b9ed-2b81a56a5ffa": [ "fc86e12a-d5a8-4087-80bb-e96013748bfe" ], "bafc22d8-b836-480f-87f2-512765a0cd67": [ "fc86e12a-d5a8-4087-80bb-e96013748bfe" ], "49a207b7-e77c-4058-824b-2a5624b902f7": [ "fc86e12a-d5a8-4087-80bb-e96013748bfe" ], "53bfbe9f-fa9c-4ab7-9142-26fc9d237f4d": [ "fc86e12a-d5a8-4087-80bb-e96013748bfe" ], "12ed96a4-ac63-4ee7-8d7f-eca941adefd5": [ "fc86e12a-d5a8-4087-80bb-e96013748bfe" ], "408b4f2e-fef2-4d24-b507-d8440527b2e7": [ "fc86e12a-d5a8-4087-80bb-e96013748bfe" ], "8b371469-ff01-467a-a398-baea6f35f39d": [ "fc86e12a-d5a8-4087-80bb-e96013748bfe" ], "234dec66-dcf4-437a-b3d6-7025c79aa37c": [ "fc86e12a-d5a8-4087-80bb-e96013748bfe" ], "0ffd8b9f-b94e-4112-9c7e-1fb1f051509c": [ "fc86e12a-d5a8-4087-80bb-e96013748bfe" ], "c8962fe2-b477-49fb-a7ce-c50c01eedf2a": [ "1929b1fe-6012-4f49-b6ac-313d6a05598e" ], "6366a3b4-3d5e-496b-b2b1-00f33ddf8dc1": [ "1929b1fe-6012-4f49-b6ac-313d6a05598e" ], "de846916-b8d5-47e9-aa44-86973d47dc8e": [ "1929b1fe-6012-4f49-b6ac-313d6a05598e" ], "46b70dd6-fb65-4931-91bf-94a0f50de495": [ "1929b1fe-6012-4f49-b6ac-313d6a05598e" ], "020e68b7-b2b3-4a0b-a0ed-2af38289f5a9": [ "1929b1fe-6012-4f49-b6ac-313d6a05598e" ], "dd6c376e-825b-4fe5-b753-3850c1bd8318": [ "1929b1fe-6012-4f49-b6ac-313d6a05598e" ], "4c9b0128-d4a1-4342-b827-484acb4b6c3e": [ "1929b1fe-6012-4f49-b6ac-313d6a05598e" ], "dd7405a0-6ec1-4435-bcae-1d4c35dc2743": [ "1929b1fe-6012-4f49-b6ac-313d6a05598e" ], "2ecf0f9f-21e2-4a17-a37f-e87a6028507b": [ "1929b1fe-6012-4f49-b6ac-313d6a05598e" ], "5eb68de8-bf4c-4b68-8149-5d79821bfc22": [ "1929b1fe-6012-4f49-b6ac-313d6a05598e" ], "8a283363-f697-4633-84b1-23c68473697a": [ "46641609-b7df-494d-bcda-dcf673bd5eda" ], "e5096cf6-4490-4343-915a-01af98e33979": [ "46641609-b7df-494d-bcda-dcf673bd5eda" ], "c3af4604-7bf1-4e8c-8d35-c25bcdc11ac5": [ "46641609-b7df-494d-bcda-dcf673bd5eda" ], "f9b83ffd-6add-4c73-9eca-0190618f72b7": [ "46641609-b7df-494d-bcda-dcf673bd5eda" ], "bd09d3e1-93d5-4599-a30c-f0538aa4d2a5": [ "46641609-b7df-494d-bcda-dcf673bd5eda" ], "6a92778a-156d-44b4-9bf2-1eb8165321d6": [ "46641609-b7df-494d-bcda-dcf673bd5eda" ], "3413d3c1-76b4-4aa9-8739-275295955184": [ "46641609-b7df-494d-bcda-dcf673bd5eda" ], "597a4579-32f9-41d2-9ed5-e45ff7aba6fb": [ "46641609-b7df-494d-bcda-dcf673bd5eda" ], "37e37995-3c54-4b03-9610-ef80ee4173d2": [ "46641609-b7df-494d-bcda-dcf673bd5eda" ], "e9d94072-86ca-4312-b21c-b62f904ce554": [ "46641609-b7df-494d-bcda-dcf673bd5eda" ], "46afdb67-70d0-4920-a52b-e8b86fa038c6": [ "bd211966-357f-48b6-95e7-ae6b6aa01bc8" ], "68e5f81e-5402-4b06-ad22-61aef8dd5520": [ "bd211966-357f-48b6-95e7-ae6b6aa01bc8" ], "eaac900d-1df9-4290-8804-3a4286ee2247": [ "bd211966-357f-48b6-95e7-ae6b6aa01bc8" ], "7e64024a-1151-45a3-876b-4d2de01fc63d": [ "bd211966-357f-48b6-95e7-ae6b6aa01bc8" ], "53827de5-9420-49b5-80ba-2f1fab7f7666": [ "bd211966-357f-48b6-95e7-ae6b6aa01bc8" ], "cdcc948e-42a2-4d71-a661-76380e97241d": [ "bd211966-357f-48b6-95e7-ae6b6aa01bc8" ], "caf4782e-8bb2-46ae-9f56-4db6697c1628": [ "bd211966-357f-48b6-95e7-ae6b6aa01bc8" ], "ce0ad690-329d-4707-b3a0-986e57eea04d": [ "bd211966-357f-48b6-95e7-ae6b6aa01bc8" ], "04fd7d94-59f8-40f2-86f6-d10343a182c6": [ "bd211966-357f-48b6-95e7-ae6b6aa01bc8" ], "242e74c6-481e-4ecf-9b60-de756dac0ac5": [ "bd211966-357f-48b6-95e7-ae6b6aa01bc8" ], "f0d07f0b-73dd-4648-b1bf-4c2f58901102": [ "2a14259c-9cca-446e-94ac-bd23c878092e" ], "4c7a7a29-f36a-4489-b51e-4aac2375b4a7": [ "2a14259c-9cca-446e-94ac-bd23c878092e" ], "ed7c0b66-714f-44a9-8db6-32ed29c9071c": [ "2a14259c-9cca-446e-94ac-bd23c878092e" ], "fb73c49f-59fe-41fc-a6b1-bac32e2abf45": [ "2a14259c-9cca-446e-94ac-bd23c878092e" ], "2f3e0d87-a038-465d-85d6-825e3f7bcced": [ "2a14259c-9cca-446e-94ac-bd23c878092e" ], "8faa3e89-7692-4049-833a-a415a87829b4": [ "2a14259c-9cca-446e-94ac-bd23c878092e" ], "621fe061-7581-4738-a21a-9659cfc07012": [ "2a14259c-9cca-446e-94ac-bd23c878092e" ], "71a176ce-80ec-4612-a67f-f4894cc920cc": [ "2a14259c-9cca-446e-94ac-bd23c878092e" ], "5d412e2b-9673-46b8-83a5-eb75c8350001": [ "2a14259c-9cca-446e-94ac-bd23c878092e" ], "dd67a95a-4ca0-4623-a154-f11e0ec1f512": [ "2a14259c-9cca-446e-94ac-bd23c878092e" ], "230336ba-86e6-4b35-bfc1-5d6a601bdfe6": [ "af66a7cc-afdc-4485-864d-15ac210bce11" ], "3947cc2c-77fa-4aa3-92c4-aa1411baa2eb": [ "af66a7cc-afdc-4485-864d-15ac210bce11" ], "61dde274-8fb4-405b-ad2c-00dcfd8fee63": [ "af66a7cc-afdc-4485-864d-15ac210bce11" ], "4a32c44c-d3cf-4071-bf50-703a073133e5": [ "af66a7cc-afdc-4485-864d-15ac210bce11" ], "0f1b1ddc-d05e-4d87-8919-0d4d3eb492a8": [ "af66a7cc-afdc-4485-864d-15ac210bce11" ], "e2ca9dc0-f43e-42cc-858e-9288c1f92133": [ "af66a7cc-afdc-4485-864d-15ac210bce11" ], "e329425c-cb8e-4b13-b1e3-9350b498f919": [ "af66a7cc-afdc-4485-864d-15ac210bce11" ], "a79d373f-d629-4a17-8af6-4b713613a897": [ "af66a7cc-afdc-4485-864d-15ac210bce11" ], "af834f5d-e6aa-4632-acd7-e5aca3d3b6aa": [ "af66a7cc-afdc-4485-864d-15ac210bce11" ], "2e0ba6af-7dad-46ee-b5cb-0825822ad83c": [ "af66a7cc-afdc-4485-864d-15ac210bce11" ], "59939594-0abf-4735-a8c4-312a1e2bfe3a": [ "bb5d37e3-ac1b-4361-9f0a-1d38ad59f6bb" ], "6e444db8-a046-4198-a0b3-42c48ae59189": [ "bb5d37e3-ac1b-4361-9f0a-1d38ad59f6bb" ], "419e9897-2e4c-4f2d-b527-20b153c75614": [ "bb5d37e3-ac1b-4361-9f0a-1d38ad59f6bb" ], "333ea35e-6b79-4b59-930d-eb159d807fe5": [ "bb5d37e3-ac1b-4361-9f0a-1d38ad59f6bb" ], "12703f54-ac91-49ab-9777-8dd8376d5529": [ "bb5d37e3-ac1b-4361-9f0a-1d38ad59f6bb" ], "23ff9f4f-d3aa-47ce-82ed-801e6abcc332": [ "bb5d37e3-ac1b-4361-9f0a-1d38ad59f6bb" ], "05fbfcb9-71f8-48a3-90a1-9d9cb783a8cc": [ "bb5d37e3-ac1b-4361-9f0a-1d38ad59f6bb" ], "80d92fff-d4af-4efc-ab3c-017b998d68be": [ "bb5d37e3-ac1b-4361-9f0a-1d38ad59f6bb" ], "7a3f6590-66ae-4722-ab11-3b174b053148": [ "bb5d37e3-ac1b-4361-9f0a-1d38ad59f6bb" ], "d782359c-0fdc-4566-bfd3-c03bca69933c": [ "bb5d37e3-ac1b-4361-9f0a-1d38ad59f6bb" ], "f726d9e2-641a-4222-ae9d-f3df85425797": [ "72ec75b2-727d-41a8-9692-055cdbac9fe1" ], "f5524f1f-8a39-43a5-813d-b2870e4a1e2d": [ "72ec75b2-727d-41a8-9692-055cdbac9fe1" ], "bb17e1de-c144-4ecc-ae6a-43430c351efb": [ "72ec75b2-727d-41a8-9692-055cdbac9fe1" ], "9ff48fef-e11b-4f2e-86c5-e0905dbd21cd": [ "72ec75b2-727d-41a8-9692-055cdbac9fe1" ], "a6767249-8bf9-41cd-b62d-cf71a79330ae": [ "72ec75b2-727d-41a8-9692-055cdbac9fe1" ], "26ce12cb-28c4-415e-bc13-ff7811b53edb": [ "72ec75b2-727d-41a8-9692-055cdbac9fe1" ], "db522190-eb4e-467a-9fba-08acb69e796c": [ "72ec75b2-727d-41a8-9692-055cdbac9fe1" ], "32fa4c90-cb7a-4916-849a-601b06609981": [ "72ec75b2-727d-41a8-9692-055cdbac9fe1" ], "a317f933-902b-4fc7-b6e1-3f4bc285b4d6": [ "72ec75b2-727d-41a8-9692-055cdbac9fe1" ], "99ea0ce1-9bed-468f-bb7d-740ff751d5d0": [ "72ec75b2-727d-41a8-9692-055cdbac9fe1" ], "a78e61b8-bcb0-409f-a5cc-9fe8002f4c3a": [ "34675b7b-ebd4-4a26-8bc4-821d42afd8d8" ], "787eb2f8-7894-40da-ad67-f3efb51fc7f6": [ "34675b7b-ebd4-4a26-8bc4-821d42afd8d8" ], "856ea1ab-be35-4734-8a9c-6926dae7db86": [ "34675b7b-ebd4-4a26-8bc4-821d42afd8d8" ], "19de497d-f225-43ac-bf75-020e496046a1": [ "34675b7b-ebd4-4a26-8bc4-821d42afd8d8" ], "31e89317-c1b5-4d2c-8d0b-67da43e03e3c": [ "34675b7b-ebd4-4a26-8bc4-821d42afd8d8" ], "1bae0fcc-6268-47ce-b4c0-0f89fb1b2dd7": [ "34675b7b-ebd4-4a26-8bc4-821d42afd8d8" ], "a9b356ec-e4a1-4c49-9108-24a0c5308f1d": [ "34675b7b-ebd4-4a26-8bc4-821d42afd8d8" ], "c0aa6a40-4453-4523-a9f2-abcb247d113a": [ "34675b7b-ebd4-4a26-8bc4-821d42afd8d8" ], "14bd782e-5246-42b0-88a4-5db7eb116837": [ "34675b7b-ebd4-4a26-8bc4-821d42afd8d8" ], "5f0c3649-d35a-499c-bb13-cf6f72c6f5b9": [ "34675b7b-ebd4-4a26-8bc4-821d42afd8d8" ], "0f5b19e1-b3a7-4e39-a886-d68e2303229f": [ "68b1fd57-4cb1-4640-9d8b-f9e614664745" ], "59530947-175e-4b11-8370-755e2a59197c": [ "68b1fd57-4cb1-4640-9d8b-f9e614664745" ], "8b1dfca7-2256-43fd-88b3-6b7ffbae8d61": [ "68b1fd57-4cb1-4640-9d8b-f9e614664745" ], "87ee05a2-d300-4a05-8d57-be60a281c40c": [ "68b1fd57-4cb1-4640-9d8b-f9e614664745" ], "e0175b02-8347-40f0-a3cd-b7b3880a5404": [ "68b1fd57-4cb1-4640-9d8b-f9e614664745" ], "63ae5fb7-cffd-43e7-b6a0-fd600c978c09": [ "68b1fd57-4cb1-4640-9d8b-f9e614664745" ], "d5e889bc-109a-4d11-8c71-b8021dadec3f": [ "68b1fd57-4cb1-4640-9d8b-f9e614664745" ], "3e14b004-f960-4bad-a02e-6c47ac951f87": [ "68b1fd57-4cb1-4640-9d8b-f9e614664745" ], "a101064d-4a3d-49f2-be42-79f220546066": [ "68b1fd57-4cb1-4640-9d8b-f9e614664745" ], "a66be4ca-e924-4d06-a933-4e5eb8fd9bbd": [ "68b1fd57-4cb1-4640-9d8b-f9e614664745" ], "c647b1b9-52ca-466d-bd6f-31449fbb9d86": [ "4182e478-24be-43fd-a99d-d70e2adf1b0b" ], "f4951f5b-6a52-4453-851c-7499f4274a3c": [ "4182e478-24be-43fd-a99d-d70e2adf1b0b" ], "36a5f60d-ace8-4298-a78c-141e9029c8ac": [ "4182e478-24be-43fd-a99d-d70e2adf1b0b" ], "9307c783-bd92-4c47-83eb-3037b8b99119": [ "4182e478-24be-43fd-a99d-d70e2adf1b0b" ], "d340585a-15ec-4015-a289-4d4d4deb7cbb": [ "4182e478-24be-43fd-a99d-d70e2adf1b0b" ], "44cc583f-eec8-4e24-94b7-102a0807b009": [ "4182e478-24be-43fd-a99d-d70e2adf1b0b" ], "fbaf6b6e-f1a5-4dac-a307-6609f1cdaa9b": [ "4182e478-24be-43fd-a99d-d70e2adf1b0b" ], "4a7e4aa4-f9e2-4188-9f1b-7154bea687c5": [ "4182e478-24be-43fd-a99d-d70e2adf1b0b" ], "df016b3d-2948-41cb-8c97-3fa0d4731fc2": [ "4182e478-24be-43fd-a99d-d70e2adf1b0b" ], "ac0f6bcb-3469-4ba0-be13-15b04cc41584": [ "4182e478-24be-43fd-a99d-d70e2adf1b0b" ], "f5764e77-6aa2-489f-9cb8-51b3cdf5a374": [ "f41dd6a3-677b-4469-8700-b1f7c78cd2cc" ], "74945bac-81ca-4d3d-805d-8ddcd3228f16": [ "f41dd6a3-677b-4469-8700-b1f7c78cd2cc" ], "8c250ef3-e59e-4353-b923-68793807c751": [ "f41dd6a3-677b-4469-8700-b1f7c78cd2cc" ], "bae15cbf-0bb1-46af-b25b-63d1b7ee01e8": [ "f41dd6a3-677b-4469-8700-b1f7c78cd2cc" ], "64696b24-d106-4b93-8cb1-9ead02c4e70e": [ "f41dd6a3-677b-4469-8700-b1f7c78cd2cc" ], "82bac5c3-8895-4230-a4bd-e8b04cdab767": [ "f41dd6a3-677b-4469-8700-b1f7c78cd2cc" ], "3e927593-affe-451a-9641-3b082b02d832": [ "f41dd6a3-677b-4469-8700-b1f7c78cd2cc" ], "3fa4a0d1-7423-4ad9-b3b3-5643cfb0fbf5": [ "f41dd6a3-677b-4469-8700-b1f7c78cd2cc" ], "9f928922-40f7-4422-86db-e0545f55124e": [ "f41dd6a3-677b-4469-8700-b1f7c78cd2cc" ], "5b5a0943-1091-4792-a4c3-090872b4ff7f": [ "f41dd6a3-677b-4469-8700-b1f7c78cd2cc" ], "281897b8-316f-4500-8eab-7d1d663a86e3": [ "dda6fa3e-f929-4cd7-8544-6157dbf812ad" ], "2260a452-d258-4808-b7d1-95289912b6e6": [ "dda6fa3e-f929-4cd7-8544-6157dbf812ad" ], "13908551-c3b3-4f58-8f0c-487753567c2e": [ "dda6fa3e-f929-4cd7-8544-6157dbf812ad" ], "b67b72a6-05bd-46c5-be35-c51df55b2797": [ "dda6fa3e-f929-4cd7-8544-6157dbf812ad" ], "9ab72367-64e8-4d06-8207-200d2146400d": [ "dda6fa3e-f929-4cd7-8544-6157dbf812ad" ], "5e2004f4-74c1-4e85-aa17-a547d6e54dc2": [ "dda6fa3e-f929-4cd7-8544-6157dbf812ad" ], "a3e96967-d599-4bce-8f85-e0f0edd72d54": [ "dda6fa3e-f929-4cd7-8544-6157dbf812ad" ], "3c20f374-20aa-4ee2-bd58-998a0a24ab27": [ "dda6fa3e-f929-4cd7-8544-6157dbf812ad" ], "24582f25-c6d2-4227-8d95-d4994cf49886": [ "dda6fa3e-f929-4cd7-8544-6157dbf812ad" ], "d5009c6f-0ad3-4728-98af-f60b2f62af47": [ "dda6fa3e-f929-4cd7-8544-6157dbf812ad" ], "8c8e85fe-3298-4719-95b9-a12517e0304a": [ "6f4387c9-ff5d-45b3-b264-6f8736103c53" ], "ef82b51a-93ca-4bae-97c2-f72ebfbdb32c": [ "6f4387c9-ff5d-45b3-b264-6f8736103c53" ], "9a690eb1-ead7-488f-ae97-c5d4cb2ef6cf": [ "6f4387c9-ff5d-45b3-b264-6f8736103c53" ], "d7d0eb4c-32b5-4616-a3a9-7e79e4f9e25a": [ "6f4387c9-ff5d-45b3-b264-6f8736103c53" ], "cb78c804-6029-4212-b0bb-dd13fb752966": [ "6f4387c9-ff5d-45b3-b264-6f8736103c53" ], "f06d388a-9964-4943-a19a-67e303e74ced": [ "6f4387c9-ff5d-45b3-b264-6f8736103c53" ], "38e5d110-cf32-4547-bd31-797ff6378111": [ "6f4387c9-ff5d-45b3-b264-6f8736103c53" ], "dfa670c3-d1cd-443e-815f-79a193c097c9": [ "6f4387c9-ff5d-45b3-b264-6f8736103c53" ], "986ecc7d-44c0-4252-8200-9b43f4e579db": [ "6f4387c9-ff5d-45b3-b264-6f8736103c53" ], "c2dd5cd3-7563-4ba0-9225-66cda5d91b1f": [ "6f4387c9-ff5d-45b3-b264-6f8736103c53" ], "6e749588-aace-4aee-9610-45135507a85b": [ "79d336f4-bd24-459a-97be-b15e14117dea" ], "addbc6ee-39c7-43b6-9107-04bc43646e43": [ "79d336f4-bd24-459a-97be-b15e14117dea" ], "a8f8e573-dc2c-47dc-bcda-303a7129ef36": [ "79d336f4-bd24-459a-97be-b15e14117dea" ], "4d0ca571-6eef-4ed2-8601-b0abe275239a": [ "79d336f4-bd24-459a-97be-b15e14117dea" ], "62dd17a3-7e3b-4754-b1dc-39b5569847c5": [ "79d336f4-bd24-459a-97be-b15e14117dea" ], "7732f512-e053-484c-8a78-4bbd4dc60fd2": [ "79d336f4-bd24-459a-97be-b15e14117dea" ], "f21b4634-8dd0-4326-b80b-bb6323e463a6": [ "79d336f4-bd24-459a-97be-b15e14117dea" ], "02ca3f01-9abe-4e9a-8e5f-2b33b210c168": [ "79d336f4-bd24-459a-97be-b15e14117dea" ], "9d395eb9-6adb-4b77-beba-18800bf76753": [ "79d336f4-bd24-459a-97be-b15e14117dea" ], "08cea60d-7d89-4f9b-8295-19074fd66186": [ "79d336f4-bd24-459a-97be-b15e14117dea" ], "d39fd5e2-e9ab-4977-9000-779ae86eecc7": [ "ffb1bcc4-ed4c-49a2-b2c3-5e0a644f7bd7" ], "9377a2bc-4b21-4d37-bf6e-1cba38025bfb": [ "ffb1bcc4-ed4c-49a2-b2c3-5e0a644f7bd7" ], "16c7fe8c-fc21-4ac9-b2c1-aaa3eeb5003f": [ "ffb1bcc4-ed4c-49a2-b2c3-5e0a644f7bd7" ], "468ee5b9-a262-488d-aac5-51ff7dc363ac": [ "ffb1bcc4-ed4c-49a2-b2c3-5e0a644f7bd7" ], "262f33f3-72c3-464b-af02-e904f5c3d6c9": [ "ffb1bcc4-ed4c-49a2-b2c3-5e0a644f7bd7" ], "6645aae2-dbdf-41b6-af4e-a2f62c6a9465": [ "ffb1bcc4-ed4c-49a2-b2c3-5e0a644f7bd7" ], "ff0d8e6e-598f-4606-9895-22f2d5ac7e2f": [ "ffb1bcc4-ed4c-49a2-b2c3-5e0a644f7bd7" ], "9f155aae-8a99-46c4-a943-4953637af6ba": [ "ffb1bcc4-ed4c-49a2-b2c3-5e0a644f7bd7" ], "c7b4e4a0-b4b3-4617-9f65-812b6c71d1c5": [ "ffb1bcc4-ed4c-49a2-b2c3-5e0a644f7bd7" ], "9f0e470a-9118-4924-a057-f6fdcdaa6d1f": [ "ffb1bcc4-ed4c-49a2-b2c3-5e0a644f7bd7" ], "4cd8f4cd-3405-4acd-8db7-5a843237515e": [ "5acf5478-21f4-48cd-8cf4-2aa4de45b260" ], "2776da78-3f78-48c3-a5fc-c23a7f5a46dd": [ "5acf5478-21f4-48cd-8cf4-2aa4de45b260" ], "f679216c-0781-4aa7-b799-937e6f3b7946": [ "5acf5478-21f4-48cd-8cf4-2aa4de45b260" ], "3688421c-2f32-4870-891e-2230a5f01900": [ "5acf5478-21f4-48cd-8cf4-2aa4de45b260" ], "95dd0373-444d-4e2a-91d4-f8a9fa06d7c9": [ "5acf5478-21f4-48cd-8cf4-2aa4de45b260" ], "99bcb421-4d3f-4a79-9ecc-983394e628c0": [ "5acf5478-21f4-48cd-8cf4-2aa4de45b260" ], "1c976b83-a868-4f4f-bad4-e86d72c4e70c": [ "5acf5478-21f4-48cd-8cf4-2aa4de45b260" ], "8b2fb7c9-db96-42e0-a86c-93621cc69e27": [ "5acf5478-21f4-48cd-8cf4-2aa4de45b260" ], "7f329cdf-2c24-43cb-a5e9-e279c55d147b": [ "5acf5478-21f4-48cd-8cf4-2aa4de45b260" ], "5968ff5e-d853-4c23-a64c-45ac13904b05": [ "5acf5478-21f4-48cd-8cf4-2aa4de45b260" ], "229408c8-4776-4357-a2f1-e0f83d88e2e5": [ "6c827f24-54d5-4468-aae0-c5f4d9dc0481" ], "20d1cae3-12be-4ac4-9e1f-30ca3f3e8477": [ "6c827f24-54d5-4468-aae0-c5f4d9dc0481" ], "74ffeb46-436a-4d20-be00-56a8444470b5": [ "6c827f24-54d5-4468-aae0-c5f4d9dc0481" ], "d586e596-d290-41c8-9346-b78c6ea13df0": [ "6c827f24-54d5-4468-aae0-c5f4d9dc0481" ], "04c1e263-bd66-4f1a-bf04-deba83b61bff": [ "6c827f24-54d5-4468-aae0-c5f4d9dc0481" ], "b0799090-108a-466b-9f5d-3a94561269e5": [ "6c827f24-54d5-4468-aae0-c5f4d9dc0481" ], "ee7f7836-cd32-4efa-bcff-a1df3969d9cb": [ "6c827f24-54d5-4468-aae0-c5f4d9dc0481" ], "25156198-37ac-4f84-a870-113a2dff116b": [ "6c827f24-54d5-4468-aae0-c5f4d9dc0481" ], "fe2626d3-fad4-4f73-a77e-73fd2c23f662": [ "6c827f24-54d5-4468-aae0-c5f4d9dc0481" ], "25f02894-6da8-4c33-a6a6-7a6cb4ac45ab": [ "6c827f24-54d5-4468-aae0-c5f4d9dc0481" ], "0d614f82-3ea7-40b6-a385-9b178a421db2": [ "442f41ca-bb7b-4a62-92a8-688de541354b" ], "16bc7b76-3df2-46fc-a1f0-381bcb5ccdaa": [ "442f41ca-bb7b-4a62-92a8-688de541354b" ], "71e28fe6-b12e-4207-81d2-3079f21a9c52": [ "442f41ca-bb7b-4a62-92a8-688de541354b" ], "c282f3f7-429c-4a25-bd82-acc591e50bb2": [ "442f41ca-bb7b-4a62-92a8-688de541354b" ], "e299ad7d-a183-46ab-a889-73cf12f77b8c": [ "442f41ca-bb7b-4a62-92a8-688de541354b" ], "c378f1ea-3466-418b-ad76-d3702dc74697": [ "442f41ca-bb7b-4a62-92a8-688de541354b" ], "70d9db63-7c5f-4db8-93a7-bedf301f858d": [ "442f41ca-bb7b-4a62-92a8-688de541354b" ], "3d8c5232-484b-44a9-b2a3-1815a7a851bb": [ "442f41ca-bb7b-4a62-92a8-688de541354b" ], "16eb592b-2a25-4269-bd9f-ff8ad101e113": [ "442f41ca-bb7b-4a62-92a8-688de541354b" ], "1c196858-e3e6-4780-b6d0-1d931733b248": [ "442f41ca-bb7b-4a62-92a8-688de541354b" ], "2c650faa-0298-4284-8943-2a998d8f6c59": [ "3800fa3c-0780-4711-be34-097e30c115cc" ], "9cfb14ef-38c1-43ae-8fac-9ffeb725a62c": [ "3800fa3c-0780-4711-be34-097e30c115cc" ], "b629e6b5-5e25-43a7-bdfa-0ffbc3654eb9": [ "3800fa3c-0780-4711-be34-097e30c115cc" ], "f277366f-9353-4642-b6fc-b252e48686e9": [ "3800fa3c-0780-4711-be34-097e30c115cc" ], "0efaee30-e457-4b0e-adb3-682880f3c631": [ "3800fa3c-0780-4711-be34-097e30c115cc" ], "08e66d1b-46e2-4a98-af47-a55a3b0c1979": [ "3800fa3c-0780-4711-be34-097e30c115cc" ], "7701eefd-270c-4765-bf71-19be008d83d5": [ "3800fa3c-0780-4711-be34-097e30c115cc" ], "d19ea042-a962-40d6-8644-d9d30c390a09": [ "3800fa3c-0780-4711-be34-097e30c115cc" ], "6825e17b-705d-4640-84c8-498cb8fb5099": [ "3800fa3c-0780-4711-be34-097e30c115cc" ], "cdb186cd-1ee1-4c33-8305-c27e7de915e1": [ "3800fa3c-0780-4711-be34-097e30c115cc" ], "b988517e-a186-4bf6-9640-b5d65dccfc2e": [ "fe806681-72f1-4fdc-90fd-0a20cde33647" ], "874d7729-da87-4c71-9661-abad1e2bd41e": [ "fe806681-72f1-4fdc-90fd-0a20cde33647" ], "c30db797-cded-46a0-a2b2-0361b829dfa5": [ "fe806681-72f1-4fdc-90fd-0a20cde33647" ], "d4a460dc-c524-4575-9485-be628c96d15c": [ "fe806681-72f1-4fdc-90fd-0a20cde33647" ], "c8e7658e-77de-49c0-99b7-f27e3d2a97a6": [ "fe806681-72f1-4fdc-90fd-0a20cde33647" ], "c6cf0fae-8614-4aaa-ac78-51c4f614cdc8": [ "fe806681-72f1-4fdc-90fd-0a20cde33647" ], "d061e6a3-b7ce-41ef-b5ef-21750b50dde2": [ "fe806681-72f1-4fdc-90fd-0a20cde33647" ], "8c34e3b5-b4fd-47d2-a018-65805d3fdf8c": [ "fe806681-72f1-4fdc-90fd-0a20cde33647" ], "ed1220f0-e7af-4c80-b26c-d0d4a75ae696": [ "fe806681-72f1-4fdc-90fd-0a20cde33647" ], "fa1bbb5b-c574-4c6a-a7e5-afda0df2e54d": [ "fe806681-72f1-4fdc-90fd-0a20cde33647" ], "957275a8-64da-41bc-a135-137ad2d487e5": [ "36f96f5c-61ba-4c4c-91f9-55edbf24ab39" ], "8081a017-f3cd-42c8-a161-0775f169ec49": [ "36f96f5c-61ba-4c4c-91f9-55edbf24ab39" ], "e8cd464a-91ff-47c2-91b9-06e7cf7b30f9": [ "36f96f5c-61ba-4c4c-91f9-55edbf24ab39" ], "85108cc4-1063-4c0b-ac8d-c6f31b2ef5e9": [ "36f96f5c-61ba-4c4c-91f9-55edbf24ab39" ], "be2190b6-685e-4d2d-8ea9-f3ffa788a3b3": [ "36f96f5c-61ba-4c4c-91f9-55edbf24ab39" ], "d1a2ecfa-152b-4e62-840c-c9a3dc5e15b5": [ "36f96f5c-61ba-4c4c-91f9-55edbf24ab39" ], "2079df23-05e2-479f-8de2-53cae2bbedc6": [ "36f96f5c-61ba-4c4c-91f9-55edbf24ab39" ], "addf9de4-3dd6-4538-9529-7f3e7b851f84": [ "36f96f5c-61ba-4c4c-91f9-55edbf24ab39" ], "77abe050-ad73-4f86-8016-2977ba66b5f5": [ "36f96f5c-61ba-4c4c-91f9-55edbf24ab39" ], "be42658b-2e5d-4670-ab0d-8502b5634ebe": [ "36f96f5c-61ba-4c4c-91f9-55edbf24ab39" ], "a355bad3-37ed-4dcf-a5ea-5b421edc67e6": [ "40dd6107-db5a-4013-b270-bd78cedf7e44" ], "15bf8251-8771-4cca-9097-2ff4e2755cbf": [ "40dd6107-db5a-4013-b270-bd78cedf7e44" ], "311108a6-e3bd-4f1f-82ce-7b8443383cdd": [ "40dd6107-db5a-4013-b270-bd78cedf7e44" ], "3552cc4a-5aec-4fc7-a080-74cf955ed9ef": [ "40dd6107-db5a-4013-b270-bd78cedf7e44" ], "27420261-262a-4595-899b-37be985dc615": [ "40dd6107-db5a-4013-b270-bd78cedf7e44" ], "8bfdb4a6-30f6-4533-90db-06ecc66910f7": [ "40dd6107-db5a-4013-b270-bd78cedf7e44" ], "72245aba-544f-4851-97c5-07070df27720": [ "40dd6107-db5a-4013-b270-bd78cedf7e44" ], "09701536-1a8f-4055-a078-15cc94cc8362": [ "40dd6107-db5a-4013-b270-bd78cedf7e44" ], "ba76e58e-7ede-45cc-99ef-97302d0eef89": [ "40dd6107-db5a-4013-b270-bd78cedf7e44" ], "6197fdca-3000-4265-b940-3e52a8723188": [ "40dd6107-db5a-4013-b270-bd78cedf7e44" ], "a3818a1e-df0a-4757-bd9b-d5e0794b46c9": [ "79761ff0-ed26-47d1-874d-e8a4fbcd2ffd" ], "8506009f-4360-4163-bbe7-08845c68b2a3": [ "79761ff0-ed26-47d1-874d-e8a4fbcd2ffd" ], "24260dd2-9cfe-46dc-b735-112e53bae28f": [ "79761ff0-ed26-47d1-874d-e8a4fbcd2ffd" ], "0d031af9-679b-4589-9712-5187e6c3ccea": [ "79761ff0-ed26-47d1-874d-e8a4fbcd2ffd" ], "d4be2580-b806-46bb-8e16-99bdf6af8945": [ "79761ff0-ed26-47d1-874d-e8a4fbcd2ffd" ], "43a38096-a1c6-4f12-a6d1-845a955e7f38": [ "79761ff0-ed26-47d1-874d-e8a4fbcd2ffd" ], "7da396ef-da76-4d6a-bd63-c11374cc110d": [ "79761ff0-ed26-47d1-874d-e8a4fbcd2ffd" ], "251d9f49-a084-4249-8e28-f6b039556aa8": [ "79761ff0-ed26-47d1-874d-e8a4fbcd2ffd" ], "4e68c208-d147-481f-a541-e68e97c1f8e3": [ "79761ff0-ed26-47d1-874d-e8a4fbcd2ffd" ], "00ac95e0-48fb-4b21-b134-88e2b390d3fd": [ "79761ff0-ed26-47d1-874d-e8a4fbcd2ffd" ], "aa72eba4-1d81-43e1-a01e-7196f98c1f7a": [ "7c9140a6-154f-4e1d-aa98-c7ba1ceb8ce1" ], "233458ec-014e-4d18-9816-428716aadf2a": [ "7c9140a6-154f-4e1d-aa98-c7ba1ceb8ce1" ], "8ca85eeb-6123-4a3b-864d-3c0f0c817d2b": [ "7c9140a6-154f-4e1d-aa98-c7ba1ceb8ce1" ], "71ed28ed-8093-45ab-8294-9258626be2ea": [ "7c9140a6-154f-4e1d-aa98-c7ba1ceb8ce1" ], "46bbf34f-2969-49a7-9189-204528ab4b60": [ "7c9140a6-154f-4e1d-aa98-c7ba1ceb8ce1" ], "ed7d21b7-c401-4eee-a8fb-2406de762606": [ "7c9140a6-154f-4e1d-aa98-c7ba1ceb8ce1" ], "e2ba648f-e0ca-42ae-b5d8-c38f038bd665": [ "7c9140a6-154f-4e1d-aa98-c7ba1ceb8ce1" ], "0d3cd974-322b-4aa1-805f-136fbd706ec9": [ "7c9140a6-154f-4e1d-aa98-c7ba1ceb8ce1" ], "13a5b133-f74a-4a53-87e6-42fc82db74e3": [ "7c9140a6-154f-4e1d-aa98-c7ba1ceb8ce1" ], "ca78b7ce-9604-4002-8142-632256e700e2": [ "7c9140a6-154f-4e1d-aa98-c7ba1ceb8ce1" ], "40ff63a9-ff40-431a-99cf-23de1439fab4": [ "05ccfd7e-9be7-4b6c-972f-312d82c78657" ], "0c592332-2abd-4598-962a-dd6c86d7734e": [ "05ccfd7e-9be7-4b6c-972f-312d82c78657" ], "4fe3bd61-1562-41d8-946d-94f61f3b7bf1": [ "05ccfd7e-9be7-4b6c-972f-312d82c78657" ], "52171d4f-0913-491e-860c-72b3aae7614e": [ "05ccfd7e-9be7-4b6c-972f-312d82c78657" ], "1ed481ee-3e02-40cb-8370-6f49a1a3a2eb": [ "05ccfd7e-9be7-4b6c-972f-312d82c78657" ], "5ddbbaef-bbad-47bf-b949-7becb6b82eb1": [ "05ccfd7e-9be7-4b6c-972f-312d82c78657" ], "d2a1bf40-d074-43c1-8eaf-1343b9355765": [ "05ccfd7e-9be7-4b6c-972f-312d82c78657" ], "97001da8-e5ed-4b1e-bf5e-f86a4f33420b": [ "05ccfd7e-9be7-4b6c-972f-312d82c78657" ], "85364c85-f00c-4735-94a7-e5f812368c2f": [ "05ccfd7e-9be7-4b6c-972f-312d82c78657" ], "cc1df5ea-e94d-498d-8fcd-0decb853fe2a": [ "05ccfd7e-9be7-4b6c-972f-312d82c78657" ], "b446a3cb-9404-4cd7-91bf-2673798954d1": [ "2d8bcb45-4534-4be4-9f26-48ca5acee418" ], "aba28076-58dd-41de-b04e-be890b87158c": [ "2d8bcb45-4534-4be4-9f26-48ca5acee418" ], "30662f8d-a96d-45c9-aa9e-b6a6502e895f": [ "2d8bcb45-4534-4be4-9f26-48ca5acee418" ], "657cd144-5a1e-46ae-8d6c-4aaa1f8b3f0d": [ "2d8bcb45-4534-4be4-9f26-48ca5acee418" ], "25366e9f-fca0-47bf-8a0e-9368624bc243": [ "2d8bcb45-4534-4be4-9f26-48ca5acee418" ], "df59f0af-8b94-4f67-8898-ea273afc73a7": [ "2d8bcb45-4534-4be4-9f26-48ca5acee418" ], "ee449eb3-d13d-47ae-a0e6-bdaefb72942f": [ "2d8bcb45-4534-4be4-9f26-48ca5acee418" ], "fa634a65-7625-45cb-b093-4d3d7e8f2b52": [ "2d8bcb45-4534-4be4-9f26-48ca5acee418" ], "0094ce02-5192-4ef4-9a91-c6d8a9b962ca": [ "2d8bcb45-4534-4be4-9f26-48ca5acee418" ], "e1530cc7-bc86-4205-8623-21bcd818fa50": [ "2d8bcb45-4534-4be4-9f26-48ca5acee418" ], "cf05d0a4-62be-466a-9078-757d1b4752b1": [ "3983568e-a93f-4ad7-912c-a454e751fd32" ], "0f2d06d9-c6be-40c7-a1ef-a8593d871d8b": [ "3983568e-a93f-4ad7-912c-a454e751fd32" ], "cc47c6b2-27dd-4e37-834d-dbc556d372de": [ "3983568e-a93f-4ad7-912c-a454e751fd32" ], "97154490-d2c6-41ea-ae95-4eee4826591f": [ "3983568e-a93f-4ad7-912c-a454e751fd32" ], "4b21c3bd-1970-4447-afb2-7cd8732bb571": [ "3983568e-a93f-4ad7-912c-a454e751fd32" ], "ac30b373-0982-4bd7-9f47-9c33647f12ab": [ "3983568e-a93f-4ad7-912c-a454e751fd32" ], "c7dce774-6155-4240-a9f0-a094c6e2691c": [ "3983568e-a93f-4ad7-912c-a454e751fd32" ], "8ed9fa79-b56e-4f1f-81c8-a9c2516e8ec2": [ "3983568e-a93f-4ad7-912c-a454e751fd32" ], "b9770d20-0364-4e29-a7d9-719122885fcb": [ "3983568e-a93f-4ad7-912c-a454e751fd32" ], "3deae4d2-eb2b-437c-9ad3-0f242d4da10d": [ "3983568e-a93f-4ad7-912c-a454e751fd32" ], "a475b5fc-bae4-4f37-bdfe-da921d94378a": [ "a248c82d-4b71-483b-ba70-6d9ce91d6f92" ], "d01d2109-31b7-40ca-9124-36fd325b44b3": [ "a248c82d-4b71-483b-ba70-6d9ce91d6f92" ], "a260841a-fd81-4386-b1ea-0dd42ff8ca06": [ "a248c82d-4b71-483b-ba70-6d9ce91d6f92" ], "68ceca18-98ac-4df5-9bab-729323fc9d45": [ "a248c82d-4b71-483b-ba70-6d9ce91d6f92" ], "f0279e9f-f143-403c-a0a8-46e58d4a1390": [ "a248c82d-4b71-483b-ba70-6d9ce91d6f92" ], "f72d3753-d519-4064-93d9-fcd4b8dd3245": [ "a248c82d-4b71-483b-ba70-6d9ce91d6f92" ], "9bf6f412-e9de-43c6-856d-ba33009307ea": [ "a248c82d-4b71-483b-ba70-6d9ce91d6f92" ], "17509991-bcf4-452a-a978-ab9f48c22180": [ "a248c82d-4b71-483b-ba70-6d9ce91d6f92" ], "29a6bda1-d427-41ef-87d8-190a24ff96b7": [ "a248c82d-4b71-483b-ba70-6d9ce91d6f92" ], "72f68917-8357-42d0-99e6-7711e1f46220": [ "a248c82d-4b71-483b-ba70-6d9ce91d6f92" ], "02be137f-bcd4-4ae7-8a73-3b39da1c3ca8": [ "009c6901-b91c-469a-b8a3-cea6434b001e" ], "1cdf1930-e919-4305-8773-9849c2386819": [ "009c6901-b91c-469a-b8a3-cea6434b001e" ], "5779bbc5-cfd4-452a-8954-88d2d7971026": [ "009c6901-b91c-469a-b8a3-cea6434b001e" ], "3eb5f2da-57f9-4f72-aba9-562cbe1f7203": [ "009c6901-b91c-469a-b8a3-cea6434b001e" ], "cc469296-8a69-4f01-9f59-6e10445ec0e7": [ "009c6901-b91c-469a-b8a3-cea6434b001e" ], "fb107e46-9f3c-4a38-a82a-335efdd788b3": [ "009c6901-b91c-469a-b8a3-cea6434b001e" ], "222666da-0dc1-4bcf-ad4c-d9cf92bd51f2": [ "009c6901-b91c-469a-b8a3-cea6434b001e" ], "04774965-753f-4b1c-b735-d54c14aa6415": [ "009c6901-b91c-469a-b8a3-cea6434b001e" ], "06a12197-e57b-428c-b0c6-2dc6bea36fa9": [ "009c6901-b91c-469a-b8a3-cea6434b001e" ], "ed9f854f-0587-4690-8a39-c70f588da126": [ "009c6901-b91c-469a-b8a3-cea6434b001e" ], "2f0aac18-e04d-486d-8043-a62eee2fe8f5": [ "b745ffc8-71b1-4018-a047-5ce857d381fd" ], "f5690978-1b39-4b4b-9045-e3a2826b83f8": [ "b745ffc8-71b1-4018-a047-5ce857d381fd" ], "7d0dad22-be4a-4865-926c-2d3edcc1f891": [ "b745ffc8-71b1-4018-a047-5ce857d381fd" ], "0a881596-60aa-4e02-bd9e-7ff73d2ae2d4": [ "b745ffc8-71b1-4018-a047-5ce857d381fd" ], "0f2a46c0-0d39-4b4a-8457-fd0ac84f3075": [ "b745ffc8-71b1-4018-a047-5ce857d381fd" ], "e8d675ad-9ecc-446b-885a-35f4c034b0a7": [ "b745ffc8-71b1-4018-a047-5ce857d381fd" ], "e87b9043-e7a3-4a94-b15a-415d038984d0": [ "b745ffc8-71b1-4018-a047-5ce857d381fd" ], "7c20211c-42c3-45a6-a74d-a71a1f9eb3ac": [ "b745ffc8-71b1-4018-a047-5ce857d381fd" ], "56e54d87-c9d3-4276-96b6-a8eef9cb6b45": [ "b745ffc8-71b1-4018-a047-5ce857d381fd" ], "de24998a-dfe0-4fd8-81c9-c9946de591fc": [ "b745ffc8-71b1-4018-a047-5ce857d381fd" ], "60a53e89-8297-4471-b8fd-ebb21ad99f66": [ "26e8d9c4-294e-487f-9d66-df2eecfc3159" ], "d5313562-28f8-4810-bcac-f3daac2f14f1": [ "26e8d9c4-294e-487f-9d66-df2eecfc3159" ], "65f66be0-087c-4894-abd8-67fe32871824": [ "26e8d9c4-294e-487f-9d66-df2eecfc3159" ], "d3b720df-1625-45bf-a33a-0aabab03fe3d": [ "26e8d9c4-294e-487f-9d66-df2eecfc3159" ], "1b8739c5-c474-4a22-8130-78ac8b5409a8": [ "26e8d9c4-294e-487f-9d66-df2eecfc3159" ], "2928073d-df77-4794-af98-29dd5be3bd5b": [ "26e8d9c4-294e-487f-9d66-df2eecfc3159" ], "f58935b5-0b18-456b-a10d-c378d0fd4f50": [ "26e8d9c4-294e-487f-9d66-df2eecfc3159" ], "fa3ee9ec-56de-41e2-bcc1-6ddbb9aa40d4": [ "26e8d9c4-294e-487f-9d66-df2eecfc3159" ], "791594a3-bd45-478a-93ca-190113918c42": [ "26e8d9c4-294e-487f-9d66-df2eecfc3159" ], "3234c17a-24a6-4d60-bb82-2b13474aee84": [ "26e8d9c4-294e-487f-9d66-df2eecfc3159" ], "f92bc504-e5ca-4c46-9ba9-2d65874f0b60": [ "9bdb433b-4ecc-44c9-9658-6ebab8602e6d" ], "a2701864-2a3b-4f80-852b-2bede794797e": [ "9bdb433b-4ecc-44c9-9658-6ebab8602e6d" ], "e63803f1-7156-4ad0-bba0-19f2a9432a8c": [ "9bdb433b-4ecc-44c9-9658-6ebab8602e6d" ], "54cb37d6-64a0-4b09-8d4c-2f8d2318b64d": [ "9bdb433b-4ecc-44c9-9658-6ebab8602e6d" ], "ac92181f-fe49-4748-9e68-091100cf4f6b": [ "9bdb433b-4ecc-44c9-9658-6ebab8602e6d" ], "d676dbcd-9d55-4138-81b9-aaeedd071c9a": [ "9bdb433b-4ecc-44c9-9658-6ebab8602e6d" ], "d0f67b9c-60e7-44dd-89bb-cef8e2be7ce0": [ "9bdb433b-4ecc-44c9-9658-6ebab8602e6d" ], "b246d74d-de01-4481-a6a9-6e4b2803220f": [ "9bdb433b-4ecc-44c9-9658-6ebab8602e6d" ], "01dfbd75-2218-4a00-833a-0590d342ac7f": [ "9bdb433b-4ecc-44c9-9658-6ebab8602e6d" ], "b3696ec3-d9df-4b4b-bd06-91e85c14e7c0": [ "9bdb433b-4ecc-44c9-9658-6ebab8602e6d" ], "fe498257-6ea8-490d-9225-0bff796e22fb": [ "e548ab15-c23d-4236-801c-8d827fbfdc4f" ], "f60c0f5c-0eea-4e45-a0bf-da20eef3da3c": [ "e548ab15-c23d-4236-801c-8d827fbfdc4f" ], "6d545b2e-4db6-4f5c-97ef-1228b570269f": [ "e548ab15-c23d-4236-801c-8d827fbfdc4f" ], "ec7af69a-e57d-481e-8546-3a283beb97d6": [ "e548ab15-c23d-4236-801c-8d827fbfdc4f" ], "1b5abbf4-74ea-4874-a357-7bc8f6206de6": [ "e548ab15-c23d-4236-801c-8d827fbfdc4f" ], "d40fb763-4670-4152-9a68-6e85cfaaf0ef": [ "e548ab15-c23d-4236-801c-8d827fbfdc4f" ], "9ebcebff-112d-458f-8e48-b130e73a5713": [ "e548ab15-c23d-4236-801c-8d827fbfdc4f" ], "b838703a-c456-4006-9eb7-9f343b4c598b": [ "e548ab15-c23d-4236-801c-8d827fbfdc4f" ], "107b6fd4-838d-43cc-9dfb-1c5e8a2dc2b3": [ "e548ab15-c23d-4236-801c-8d827fbfdc4f" ], "856e7cd8-a52b-4951-a596-a4ca89c5684a": [ "e548ab15-c23d-4236-801c-8d827fbfdc4f" ], "42d8485d-65de-4b47-865c-4553034c0f9b": [ "29485fd2-7fa1-4340-a055-97b81695c6a8" ], "357aa348-76bc-41ef-ad48-3bcacecf4b6b": [ "29485fd2-7fa1-4340-a055-97b81695c6a8" ], "40c7466c-208e-4a5f-a2bd-522ccf6861ab": [ "29485fd2-7fa1-4340-a055-97b81695c6a8" ], "1e8e5e87-e2f0-4722-a44e-884075a73e24": [ "29485fd2-7fa1-4340-a055-97b81695c6a8" ], "8c9936b1-e9d9-4c18-8f25-ffd39cbc1a7b": [ "29485fd2-7fa1-4340-a055-97b81695c6a8" ], "fc631763-e1b1-4082-a155-516441534280": [ "29485fd2-7fa1-4340-a055-97b81695c6a8" ], "eab21469-82e6-4dea-a53a-13a4d1b92760": [ "29485fd2-7fa1-4340-a055-97b81695c6a8" ], "4dc3d5b6-e020-468c-a339-48cf3aff607c": [ "29485fd2-7fa1-4340-a055-97b81695c6a8" ], "925b936e-9ebb-4d51-b9c6-8ab2533b8d3f": [ "29485fd2-7fa1-4340-a055-97b81695c6a8" ], "893286cf-3452-4fdf-b57b-815d663d12cb": [ "29485fd2-7fa1-4340-a055-97b81695c6a8" ], "e087d125-cf92-4a86-bb00-f1b1ae3f65df": [ "a1ee400f-98ae-460e-8247-ca8b3bf2b3f6" ], "d19ee478-54ae-48c8-a646-5ef71163ebd2": [ "a1ee400f-98ae-460e-8247-ca8b3bf2b3f6" ], "e0930ca1-a804-408f-8b6f-6e1c4aa356c2": [ "a1ee400f-98ae-460e-8247-ca8b3bf2b3f6" ], "f4af2d61-2edb-4050-ab6b-04fbade09bfb": [ "a1ee400f-98ae-460e-8247-ca8b3bf2b3f6" ], "85d4c057-d02c-4503-9563-faf730b03ded": [ "a1ee400f-98ae-460e-8247-ca8b3bf2b3f6" ], "04501372-066a-47c2-af96-920955456acb": [ "a1ee400f-98ae-460e-8247-ca8b3bf2b3f6" ], "94127468-15cc-4adf-af98-ad224192c19f": [ "a1ee400f-98ae-460e-8247-ca8b3bf2b3f6" ], "833988f8-f681-4fcb-8a8f-c48b28b1cd72": [ "a1ee400f-98ae-460e-8247-ca8b3bf2b3f6" ], "49aa9679-3341-4e29-9713-6df93a05c22c": [ "a1ee400f-98ae-460e-8247-ca8b3bf2b3f6" ], "6ec1f78a-6332-4135-a22b-9d2b29a7235a": [ "a1ee400f-98ae-460e-8247-ca8b3bf2b3f6" ], "177ea7cc-421f-4fb1-bef0-3cc9e9a49360": [ "15c4f64d-6155-4c24-ab56-6522f73787ce" ], "17f940c8-bb6c-4e5e-ac21-816514b9f23c": [ "15c4f64d-6155-4c24-ab56-6522f73787ce" ], "b771435f-e9ba-4c2c-9a68-7ac71a74ba0f": [ "15c4f64d-6155-4c24-ab56-6522f73787ce" ], "ef84d43a-e8a6-4993-bfd3-d0553fff3de4": [ "15c4f64d-6155-4c24-ab56-6522f73787ce" ], "b50f2bb0-d571-407c-ac4a-632a90dea164": [ "15c4f64d-6155-4c24-ab56-6522f73787ce" ], "81ea7404-30d4-4bd5-8174-06781b2f050d": [ "15c4f64d-6155-4c24-ab56-6522f73787ce" ], "699eaa76-211a-4f71-b2f3-bf5b46b02140": [ "15c4f64d-6155-4c24-ab56-6522f73787ce" ], "3e2e019d-09cf-49cf-ac2a-1adf8013a71d": [ "15c4f64d-6155-4c24-ab56-6522f73787ce" ], "b8a152f2-d733-444d-937a-accd5aa570ef": [ "15c4f64d-6155-4c24-ab56-6522f73787ce" ], "2be23061-402f-49b3-84e2-449ad5666f67": [ "15c4f64d-6155-4c24-ab56-6522f73787ce" ], "c5d6cd1d-7362-41f1-94d0-f7566f850bee": [ "e659c38b-ef90-4595-949a-47674a529684" ], "76e42813-510a-4b20-958b-f5faff76756d": [ "e659c38b-ef90-4595-949a-47674a529684" ], "c41aea7e-c0d3-4a9c-b677-a83a23cc2d50": [ "e659c38b-ef90-4595-949a-47674a529684" ], "e54e197f-7d8c-4094-b800-18de24f5dd8c": [ "e659c38b-ef90-4595-949a-47674a529684" ], "6c7bb3de-1da6-4212-9156-9caae0f1882e": [ "e659c38b-ef90-4595-949a-47674a529684" ], "0136493d-0170-44e5-bae5-0a8e50ec7485": [ "e659c38b-ef90-4595-949a-47674a529684" ], "c51ffa40-0140-4b9e-be65-3248264dcc0a": [ "e659c38b-ef90-4595-949a-47674a529684" ], "c3978590-f578-45c2-b022-ef5717ba0dff": [ "e659c38b-ef90-4595-949a-47674a529684" ], "fba1e88f-174c-4f28-856a-e0151aae1b72": [ "e659c38b-ef90-4595-949a-47674a529684" ], "76c182c9-4b4b-4630-98c7-5e5c5a716b48": [ "e659c38b-ef90-4595-949a-47674a529684" ], "5c526afc-6517-4f85-b19d-12d1aa7c255d": [ "c0bc1873-8762-415b-90a7-06e8cdb9909e" ], "0d5ea56a-8ed1-45ba-96ff-6c84add40a52": [ "c0bc1873-8762-415b-90a7-06e8cdb9909e" ], "f742886c-bb22-410b-a6fa-6a73df9b523f": [ "c0bc1873-8762-415b-90a7-06e8cdb9909e" ], "daaccbbd-b180-43d3-b4b7-9d5874b6830c": [ "c0bc1873-8762-415b-90a7-06e8cdb9909e" ], "0670aabe-d73e-42f1-b1dd-65d750f6b07a": [ "c0bc1873-8762-415b-90a7-06e8cdb9909e" ], "35a19f09-23e0-4a2a-bde7-38a6b4add2bf": [ "c0bc1873-8762-415b-90a7-06e8cdb9909e" ], "2cf966b9-d9f1-446f-8cca-51863bf278cc": [ "c0bc1873-8762-415b-90a7-06e8cdb9909e" ], "19b06d1b-0272-4487-8aef-60eb6e76800c": [ "c0bc1873-8762-415b-90a7-06e8cdb9909e" ], "6db07e26-6cd6-4cd6-9e5a-a44441ecafc7": [ "c0bc1873-8762-415b-90a7-06e8cdb9909e" ], "4b3acf5a-4e5a-451d-bea2-48b2903ed2bb": [ "c0bc1873-8762-415b-90a7-06e8cdb9909e" ], "289659e2-a4ae-4475-af30-911e3dd13a8c": [ "c34a911e-a6ab-4611-859e-3dece68ff5d9" ], "f83ae1f0-dff9-4038-afb3-d894a48f292a": [ "c34a911e-a6ab-4611-859e-3dece68ff5d9" ], "c75572a4-8a1a-4ad2-80fc-8f432fd5b37c": [ "c34a911e-a6ab-4611-859e-3dece68ff5d9" ], "25f8865d-0d39-4c01-aea6-a654c70662c6": [ "c34a911e-a6ab-4611-859e-3dece68ff5d9" ], "556792ca-0955-44d4-b9b2-0f08d8151c53": [ "c34a911e-a6ab-4611-859e-3dece68ff5d9" ], "9da998c6-a5b8-44d2-888b-a5f1621563ea": [ "c34a911e-a6ab-4611-859e-3dece68ff5d9" ], "1bb0fd95-d1ae-4089-9537-aacb301a905f": [ "c34a911e-a6ab-4611-859e-3dece68ff5d9" ], "8a960289-2086-4bfb-bbc0-29d70c2cef60": [ "c34a911e-a6ab-4611-859e-3dece68ff5d9" ], "a3a0f024-9e50-483f-87a1-5c05351c1401": [ "c34a911e-a6ab-4611-859e-3dece68ff5d9" ], "7559288c-3088-4099-bca0-ec3048951c28": [ "c34a911e-a6ab-4611-859e-3dece68ff5d9" ], "916319ef-d759-4fd3-884e-3ef742454367": [ "00ed8b5f-6fe6-4b44-b663-cc1d3a146063" ], "6505e639-ccff-40a3-98ca-b563ace5f971": [ "00ed8b5f-6fe6-4b44-b663-cc1d3a146063" ], "6a268169-fdd2-4aa0-bebf-377e9a60d5fe": [ "00ed8b5f-6fe6-4b44-b663-cc1d3a146063" ], "62e218bb-509c-4279-8251-7de03d99b1ef": [ "00ed8b5f-6fe6-4b44-b663-cc1d3a146063" ], "377bce7e-2ec9-4f72-af68-c5c8978401af": [ "00ed8b5f-6fe6-4b44-b663-cc1d3a146063" ], "6167ce40-744f-43e0-b5bd-b50dae6beca4": [ "00ed8b5f-6fe6-4b44-b663-cc1d3a146063" ], "b125f772-5aee-4c7c-89c0-a9e798118c6f": [ "00ed8b5f-6fe6-4b44-b663-cc1d3a146063" ], "b1a153fe-bf71-4872-adab-8ad7ced69e1c": [ "00ed8b5f-6fe6-4b44-b663-cc1d3a146063" ], "c5e9f133-eab4-46ab-b090-709cb587b34e": [ "00ed8b5f-6fe6-4b44-b663-cc1d3a146063" ], "f1387696-0f10-4c8f-b0b0-53dbf8efc2d6": [ "00ed8b5f-6fe6-4b44-b663-cc1d3a146063" ], "6f002547-fd8c-4de8-a6dd-1050aa16528a": [ "9c27e8fe-09ab-438f-bf2a-9e22ce15e7b8" ], "6d68cc6f-8eaa-474b-be0e-be49dd2cb257": [ "9c27e8fe-09ab-438f-bf2a-9e22ce15e7b8" ], "6e0ea3b4-174c-46ed-9115-f75dc1ed0374": [ "9c27e8fe-09ab-438f-bf2a-9e22ce15e7b8" ], "7b02d54a-c8c1-484b-9060-9697be5a79b4": [ "9c27e8fe-09ab-438f-bf2a-9e22ce15e7b8" ], "62818986-146a-46ae-983c-be0f4ac6da0d": [ "9c27e8fe-09ab-438f-bf2a-9e22ce15e7b8" ], "4082b612-c27a-4135-9540-a020868cfced": [ "9c27e8fe-09ab-438f-bf2a-9e22ce15e7b8" ], "7618636b-9b30-4039-9c56-d902c15d56d0": [ "9c27e8fe-09ab-438f-bf2a-9e22ce15e7b8" ], "9e54cc63-3f51-4474-abd3-bf1a0ba54ce5": [ "9c27e8fe-09ab-438f-bf2a-9e22ce15e7b8" ], "7d6e31c9-95c3-41c1-bd82-1e6c1e15d4ff": [ "9c27e8fe-09ab-438f-bf2a-9e22ce15e7b8" ], "eed320c7-5d84-444c-8b07-8e6414d999ef": [ "9c27e8fe-09ab-438f-bf2a-9e22ce15e7b8" ], "8f484d4d-856e-4ea5-a6c4-1a3815e83439": [ "40d4a659-6b01-421b-a885-623ebaa91923" ], "18c54378-a3b1-442b-9d02-48580fc19f94": [ "40d4a659-6b01-421b-a885-623ebaa91923" ], "d78711a9-2e51-45d5-a68d-0e452fa6b7aa": [ "40d4a659-6b01-421b-a885-623ebaa91923" ], "2938c3d1-b098-4deb-99e1-1dc62f94c044": [ "40d4a659-6b01-421b-a885-623ebaa91923" ], "12b4e275-c888-4b49-89b8-7836080e54ff": [ "40d4a659-6b01-421b-a885-623ebaa91923" ], "ad76110e-ea3f-466f-be9f-31079fb5f28d": [ "40d4a659-6b01-421b-a885-623ebaa91923" ], "de9fc64c-598d-4eef-8ff3-9507420bf772": [ "40d4a659-6b01-421b-a885-623ebaa91923" ], "83563a7a-9355-4f22-8b0f-8c0277882559": [ "40d4a659-6b01-421b-a885-623ebaa91923" ], "bf533804-e588-4d5d-a2fd-b3932a078334": [ "40d4a659-6b01-421b-a885-623ebaa91923" ], "b1a17cb6-afc3-4994-95e3-c7afb05fa390": [ "40d4a659-6b01-421b-a885-623ebaa91923" ], "6ea8ac7e-f9fe-401a-8c5f-a8752e27b078": [ "a2b1981b-e830-418c-8bd0-bb0e8949ac74" ], "a0b4f4bc-897b-47b8-ab53-9e1eedea536b": [ "a2b1981b-e830-418c-8bd0-bb0e8949ac74" ], "ee225ede-22e1-4dab-a64c-8ab4e85a9b43": [ "a2b1981b-e830-418c-8bd0-bb0e8949ac74" ], "83d42df6-a36c-486c-9ee6-8b7c542b0931": [ "a2b1981b-e830-418c-8bd0-bb0e8949ac74" ], "cd7a1cb7-dcc6-482e-8816-a70a96f59d25": [ "a2b1981b-e830-418c-8bd0-bb0e8949ac74" ], "ea1382a3-f738-4a17-b335-34c4e1f89967": [ "a2b1981b-e830-418c-8bd0-bb0e8949ac74" ], "771ad617-d2a2-4181-b83d-279d285ab769": [ "a2b1981b-e830-418c-8bd0-bb0e8949ac74" ], "90c94a62-455e-4fc3-9ae4-6f4037ebc146": [ "a2b1981b-e830-418c-8bd0-bb0e8949ac74" ], "0e7623ae-0ce0-4c99-8798-7f8316866c57": [ "a2b1981b-e830-418c-8bd0-bb0e8949ac74" ], "c1e28dc4-2fbd-478e-9c40-4d5ec06711a5": [ "a2b1981b-e830-418c-8bd0-bb0e8949ac74" ], "df298649-5ce9-40ef-b1d6-448ad4c3d6d2": [ "33bd734f-33e9-40b6-b810-88085991a8f9" ], "f9bc10b8-1141-47b3-aeab-43722322355a": [ "33bd734f-33e9-40b6-b810-88085991a8f9" ], "9fa84173-f878-4cc5-95ca-f7573c7f7232": [ "33bd734f-33e9-40b6-b810-88085991a8f9" ], "aac6e064-9d1a-4237-b90f-e9b1acbdf626": [ "33bd734f-33e9-40b6-b810-88085991a8f9" ], "71eeaeb2-1383-458d-a469-7772821508c9": [ "33bd734f-33e9-40b6-b810-88085991a8f9" ], "b042ea1a-e6f4-456b-839f-2cfc6a599991": [ "33bd734f-33e9-40b6-b810-88085991a8f9" ], "2948554a-cb20-4324-abfd-f3a7a0613117": [ "33bd734f-33e9-40b6-b810-88085991a8f9" ], "c8561d3b-a8de-4772-9d30-7e6bd44625b8": [ "33bd734f-33e9-40b6-b810-88085991a8f9" ], "7a6bd1b8-8992-47ed-8d2c-60d4345ed1e2": [ "33bd734f-33e9-40b6-b810-88085991a8f9" ], "b48314c4-1579-419c-affc-c8d663248b03": [ "33bd734f-33e9-40b6-b810-88085991a8f9" ], "8447833b-ee97-4f41-974d-7ed40e214295": [ "00f1871e-a1a3-440b-98fe-3744eeffba7e" ], "be972f42-9112-4a37-be85-184857d3335b": [ "00f1871e-a1a3-440b-98fe-3744eeffba7e" ], "9ce868d3-5f10-4b3c-a327-4efe332e2627": [ "00f1871e-a1a3-440b-98fe-3744eeffba7e" ], "b7fac1db-7d27-473b-ba28-4db06654e8a9": [ "00f1871e-a1a3-440b-98fe-3744eeffba7e" ], "dedad291-d25c-4e8e-976c-38ac13b2a094": [ "00f1871e-a1a3-440b-98fe-3744eeffba7e" ], "2f11e1b5-b0b8-4410-a0e8-1e54a8352612": [ "00f1871e-a1a3-440b-98fe-3744eeffba7e" ], "cb99156b-443e-497a-a0e2-b66a232dcc69": [ "00f1871e-a1a3-440b-98fe-3744eeffba7e" ], "43604831-28b4-4736-aea4-aff2fae53735": [ "00f1871e-a1a3-440b-98fe-3744eeffba7e" ], "3a0e73f6-2281-49e3-b9d4-32ac1e910f22": [ "00f1871e-a1a3-440b-98fe-3744eeffba7e" ], "81855391-f94a-4dbb-9229-30c1b2eee5c0": [ "00f1871e-a1a3-440b-98fe-3744eeffba7e" ], "89e03bd8-2c53-477a-9221-7b3ed0f81020": [ "ed47ab44-7d36-43ed-a4c7-477c6ab4251b" ], "f5e59b49-a92c-4ff4-b5ec-0526f62fb78d": [ "ed47ab44-7d36-43ed-a4c7-477c6ab4251b" ], "3f933002-b8db-482c-88d9-be3eac6cba48": [ "ed47ab44-7d36-43ed-a4c7-477c6ab4251b" ], "ce1b6da9-6bed-4fe0-a732-1f112ec66df8": [ "ed47ab44-7d36-43ed-a4c7-477c6ab4251b" ], "85ccbe91-b5ae-4add-809f-05e9ae5019c3": [ "ed47ab44-7d36-43ed-a4c7-477c6ab4251b" ], "4607e699-93ad-414b-b3cf-2dd3436e2cd6": [ "ed47ab44-7d36-43ed-a4c7-477c6ab4251b" ], "c815f79e-b996-45d0-930b-7b732f235820": [ "ed47ab44-7d36-43ed-a4c7-477c6ab4251b" ], "42b5d108-7763-4ffd-9eb8-62850a5a984b": [ "ed47ab44-7d36-43ed-a4c7-477c6ab4251b" ], "8f7a9c85-2938-4c2f-ae2f-e8e8cae241f8": [ "ed47ab44-7d36-43ed-a4c7-477c6ab4251b" ], "f15a4606-0d03-4049-b255-6a4d2d5c5615": [ "ed47ab44-7d36-43ed-a4c7-477c6ab4251b" ], "8463ea3c-9be6-4e48-af78-fe1e0f24cf89": [ "b160f22b-5cda-4c3b-a410-1f69401abeb3" ], "39844be5-ed67-42a2-a677-23c306fb7ac0": [ "b160f22b-5cda-4c3b-a410-1f69401abeb3" ], "304b9c32-b1c3-45ad-b67d-32c389d926bd": [ "b160f22b-5cda-4c3b-a410-1f69401abeb3" ], "d0630769-0267-4924-9b73-07e1dd2a9c01": [ "b160f22b-5cda-4c3b-a410-1f69401abeb3" ], "f89730fb-a521-46e3-ae79-f394b17fdb6f": [ "b160f22b-5cda-4c3b-a410-1f69401abeb3" ], "c5ed9ddb-34ba-4fc4-b74c-a4b4ad9009b6": [ "b160f22b-5cda-4c3b-a410-1f69401abeb3" ], "132f3884-b3ba-4efc-b1ce-12220d3cb440": [ "b160f22b-5cda-4c3b-a410-1f69401abeb3" ], "1e43eb00-1075-4fae-ac76-dfa74ac298cd": [ "b160f22b-5cda-4c3b-a410-1f69401abeb3" ], "9de6ef86-6490-4ca2-a55f-ccc7265cf1d5": [ "b160f22b-5cda-4c3b-a410-1f69401abeb3" ], "efb49efa-0ba9-48d0-b81f-537276c5e8d9": [ "b160f22b-5cda-4c3b-a410-1f69401abeb3" ], "7b972a79-ceb4-42ac-aef6-995ef9d0f80a": [ "19621cce-7d53-48c4-b6e5-43bd9a439772" ], "db64277d-3835-4d07-b981-c2374a6ecce0": [ "19621cce-7d53-48c4-b6e5-43bd9a439772" ], "ea683a0a-5a9d-48ee-8d6a-6099ba6e61b6": [ "19621cce-7d53-48c4-b6e5-43bd9a439772" ], "c47efbea-d4e7-45bc-b07d-f778808af50d": [ "19621cce-7d53-48c4-b6e5-43bd9a439772" ], "e852f71f-7051-43d4-ba4b-712cfcf533c5": [ "19621cce-7d53-48c4-b6e5-43bd9a439772" ], "eb1becda-920b-4c52-8502-f4b55914311a": [ "19621cce-7d53-48c4-b6e5-43bd9a439772" ], "f8710fa9-888f-48fd-b21a-6ab07d81c173": [ "19621cce-7d53-48c4-b6e5-43bd9a439772" ], "d63efdd9-f229-4a2e-8606-c75a75799369": [ "19621cce-7d53-48c4-b6e5-43bd9a439772" ], "fad69222-0d09-411a-a3bb-15541e71eab5": [ "19621cce-7d53-48c4-b6e5-43bd9a439772" ], "3780c3e7-62ae-4ede-88bf-d5a13e51c9eb": [ "19621cce-7d53-48c4-b6e5-43bd9a439772" ], "ad96b9ba-1840-4872-8b2d-73042cdf921d": [ "c175424b-dc8b-4039-954f-cdb47248b455" ], "66e80222-9db8-405d-aa5e-658cdb4cf6cc": [ "c175424b-dc8b-4039-954f-cdb47248b455" ], "6a5b35b1-d395-4738-b0af-2a7eb9c58520": [ "c175424b-dc8b-4039-954f-cdb47248b455" ], "ac9c7aa1-8568-436e-a239-dce9721cf817": [ "c175424b-dc8b-4039-954f-cdb47248b455" ], "f8dc88b2-5980-4935-93bf-2f2704d07731": [ "c175424b-dc8b-4039-954f-cdb47248b455" ], "2e5019be-87cc-4df4-b0af-bacb6f343142": [ "c175424b-dc8b-4039-954f-cdb47248b455" ], "37f1b64c-f1fc-4989-8328-39d9ea6443f0": [ "c175424b-dc8b-4039-954f-cdb47248b455" ], "38a77226-c44c-4839-93b5-6abe6d8c093b": [ "c175424b-dc8b-4039-954f-cdb47248b455" ], "cd42f421-d2b4-4d84-ba04-ef80f8b1bb5a": [ "c175424b-dc8b-4039-954f-cdb47248b455" ], "807c4857-3b76-49ec-b4ef-07565f3b70ef": [ "c175424b-dc8b-4039-954f-cdb47248b455" ], "de1449d4-7a68-4109-bbf8-bf2c32870635": [ "e897b087-3a07-4a43-aad0-30e16926d72b" ], "70b6f345-200d-4e22-ab2a-a49676aeb9f1": [ "e897b087-3a07-4a43-aad0-30e16926d72b" ], "a21de186-ea77-4cc8-990b-dce88157b2b1": [ "e897b087-3a07-4a43-aad0-30e16926d72b" ], "5adc97e3-e8af-4ed4-9136-ac2326f14a95": [ "e897b087-3a07-4a43-aad0-30e16926d72b" ], "ff991710-15e8-4254-a130-97e29d118bdf": [ "e897b087-3a07-4a43-aad0-30e16926d72b" ], "dbf6fc39-eb98-4337-a50f-335a5e1c90b4": [ "e897b087-3a07-4a43-aad0-30e16926d72b" ], "17e5438f-0f95-42fd-ac89-0ea977e06c9a": [ "e897b087-3a07-4a43-aad0-30e16926d72b" ], "71e026eb-4f29-4b74-8bdb-414a1093c674": [ "e897b087-3a07-4a43-aad0-30e16926d72b" ], "194b22cd-ea01-4660-ac92-3eb0b6e50489": [ "e897b087-3a07-4a43-aad0-30e16926d72b" ], "0e733360-e521-4a25-810d-d87c643debe5": [ "e897b087-3a07-4a43-aad0-30e16926d72b" ], "f51b783d-6382-453c-9b16-d3d26cc532de": [ "2eb14a50-b8ca-40ef-be7b-f85ba399d664" ], "d9a4a6cf-8e2e-4e66-b738-5ba39f74e8b3": [ "2eb14a50-b8ca-40ef-be7b-f85ba399d664" ], "e5bfbb1f-fb26-4ff3-9211-3e05c6897e1d": [ "2eb14a50-b8ca-40ef-be7b-f85ba399d664" ], "b1140408-a8f1-4b49-abe4-19f8e2e8eb30": [ "2eb14a50-b8ca-40ef-be7b-f85ba399d664" ], "22e4e11b-a586-4e76-8fea-69c1cfe1ce25": [ "2eb14a50-b8ca-40ef-be7b-f85ba399d664" ], "35959950-2505-4b04-b00e-efbe531a428b": [ "2eb14a50-b8ca-40ef-be7b-f85ba399d664" ], "f8889851-fac4-4a2c-b961-21142adf8e49": [ "2eb14a50-b8ca-40ef-be7b-f85ba399d664" ], "b50714a5-7929-458f-b26f-c9154f105184": [ "2eb14a50-b8ca-40ef-be7b-f85ba399d664" ], "e3a7cb6b-07f0-48f1-a6e6-419bb43e2047": [ "2eb14a50-b8ca-40ef-be7b-f85ba399d664" ], "17b3697d-5326-4d1b-b2a4-1a30e900c8cc": [ "2eb14a50-b8ca-40ef-be7b-f85ba399d664" ], "d586d8d0-e1ac-4db3-be31-c95278b79cb6": [ "cb5a039b-574a-47fe-8b36-dfee031f3c1a" ], "c27ec475-5a96-4a5e-b637-5530e1ec87ad": [ "cb5a039b-574a-47fe-8b36-dfee031f3c1a" ], "200f5be0-ea5a-4be0-a361-7c718cf86a64": [ "cb5a039b-574a-47fe-8b36-dfee031f3c1a" ], "62b88e14-7bbc-45be-9236-75896dabd99f": [ "cb5a039b-574a-47fe-8b36-dfee031f3c1a" ], "104865d4-7844-4b97-aab4-e6e59c0d525f": [ "cb5a039b-574a-47fe-8b36-dfee031f3c1a" ], "624b49af-180b-49f4-961a-2851917e7e5e": [ "cb5a039b-574a-47fe-8b36-dfee031f3c1a" ], "9cb2257a-f9a0-43a2-b9b0-b5e5bf372c0a": [ "cb5a039b-574a-47fe-8b36-dfee031f3c1a" ], "c8e8812f-b1ba-42bf-a5cb-c31cc751c8c0": [ "cb5a039b-574a-47fe-8b36-dfee031f3c1a" ], "7386ac2c-e196-4558-9dc8-26dcb1ea875a": [ "cb5a039b-574a-47fe-8b36-dfee031f3c1a" ], "100bdb7e-1e2a-4b42-8b2d-b4340a7f8efc": [ "cb5a039b-574a-47fe-8b36-dfee031f3c1a" ], "ba9f4d41-9088-40ec-a2c4-de72f41108e8": [ "2c81b45e-83e3-4f50-8de8-155298e77cc4" ], "fb4aaeb5-53d2-49fe-8f09-992cdb2dab9d": [ "2c81b45e-83e3-4f50-8de8-155298e77cc4" ], "07bd4694-fe55-4726-84c1-abd5a4ddc11b": [ "2c81b45e-83e3-4f50-8de8-155298e77cc4" ], "f6a696d7-e8b4-44a8-be3c-874907630e3c": [ "2c81b45e-83e3-4f50-8de8-155298e77cc4" ], "c6d535ed-8736-4337-b087-44ac8a1bcb88": [ "2c81b45e-83e3-4f50-8de8-155298e77cc4" ], "11726d3e-c899-4655-8099-edabc810b4ad": [ "2c81b45e-83e3-4f50-8de8-155298e77cc4" ], "88c07d01-1260-4d0b-9947-cd9e13e90c4e": [ "2c81b45e-83e3-4f50-8de8-155298e77cc4" ], "75272a44-f2e6-468d-848a-3ea091deb7a6": [ "2c81b45e-83e3-4f50-8de8-155298e77cc4" ], "6b9105c4-70b8-4b4d-a77f-22309267b187": [ "2c81b45e-83e3-4f50-8de8-155298e77cc4" ], "fd909cad-0300-4f08-854b-8d96f66888f5": [ "2c81b45e-83e3-4f50-8de8-155298e77cc4" ], "8a7a87ac-9aac-4805-9a82-4e7e47e0a23c": [ "7b3a15eb-ebf5-4b0d-8430-a9be96201eec" ], "0612ebc9-2490-4778-abaf-2edf6db7746b": [ "7b3a15eb-ebf5-4b0d-8430-a9be96201eec" ], "45c85d3a-fe9a-4600-ae4d-dbd3689b3907": [ "7b3a15eb-ebf5-4b0d-8430-a9be96201eec" ], "bfc2d9f2-4e8e-4a6b-9ab3-d57280c7083a": [ "7b3a15eb-ebf5-4b0d-8430-a9be96201eec" ], "608579c0-80c0-4268-9b58-441b0553d17b": [ "7b3a15eb-ebf5-4b0d-8430-a9be96201eec" ], "4cf9af34-052a-4f81-88ad-d4bd80065ac7": [ "7b3a15eb-ebf5-4b0d-8430-a9be96201eec" ], "55115c87-6a24-467b-b8f8-0590ebdfe81d": [ "7b3a15eb-ebf5-4b0d-8430-a9be96201eec" ], "3c461df3-4f3b-4360-b9fd-2d373adfca49": [ "7b3a15eb-ebf5-4b0d-8430-a9be96201eec" ], "f84ff19a-0f3e-40e7-8bb6-231f7ca0b2ad": [ "7b3a15eb-ebf5-4b0d-8430-a9be96201eec" ], "47728041-fe07-497d-858b-804907637c5c": [ "7b3a15eb-ebf5-4b0d-8430-a9be96201eec" ], "4d625770-edda-4b8b-aa29-bc1c70b13f54": [ "1f6c60a6-3a5d-4911-bd96-b9c5f145a8e5" ], "6a0c5026-01a0-45f9-aee9-f338b2e3bfcf": [ "1f6c60a6-3a5d-4911-bd96-b9c5f145a8e5" ], "731c39e8-ae83-40da-b43f-0140af060947": [ "1f6c60a6-3a5d-4911-bd96-b9c5f145a8e5" ], "2c6bc6e6-1cbb-4227-b7eb-479e0e33db6a": [ "1f6c60a6-3a5d-4911-bd96-b9c5f145a8e5" ], "21569c4c-325d-45e5-912f-b439352e21cb": [ "1f6c60a6-3a5d-4911-bd96-b9c5f145a8e5" ], "fe7d0907-da02-40a2-ab70-1987fd422655": [ "1f6c60a6-3a5d-4911-bd96-b9c5f145a8e5" ], "d0bb6cd4-0157-4551-b97f-4f2abb5f616f": [ "1f6c60a6-3a5d-4911-bd96-b9c5f145a8e5" ], "e8feb3bd-a7bb-479e-93cf-970a01dc884e": [ "1f6c60a6-3a5d-4911-bd96-b9c5f145a8e5" ], "80726339-c229-4352-8439-4d25d08f0f95": [ "1f6c60a6-3a5d-4911-bd96-b9c5f145a8e5" ], "504c34d3-2c11-4b7e-9a34-4788c62d4792": [ "1f6c60a6-3a5d-4911-bd96-b9c5f145a8e5" ], "865a4d41-352f-425a-8e29-6bd5e56969b3": [ "b1046583-b557-4c0d-86b3-fe1ba065b919" ], "6f258d05-9414-4cdf-97e1-1a30af8de70e": [ "b1046583-b557-4c0d-86b3-fe1ba065b919" ], "7f355b4d-104f-444f-a0fc-5c786b71c99a": [ "b1046583-b557-4c0d-86b3-fe1ba065b919" ], "6a64e9f5-901c-4f7e-907e-7078175ebec2": [ "b1046583-b557-4c0d-86b3-fe1ba065b919" ], "0f120e9e-7bde-4a2d-a162-54ea6d3c43fb": [ "b1046583-b557-4c0d-86b3-fe1ba065b919" ], "f2babe93-c030-4ad0-acb0-ae72ce3eaeb4": [ "b1046583-b557-4c0d-86b3-fe1ba065b919" ], "6e89c934-74f5-4692-9844-c9171128ae4b": [ "b1046583-b557-4c0d-86b3-fe1ba065b919" ], "07a58a16-b7f9-4230-8ecd-34c2714f6404": [ "b1046583-b557-4c0d-86b3-fe1ba065b919" ], "fa7eec46-f29c-4321-9466-80d6d099473e": [ "b1046583-b557-4c0d-86b3-fe1ba065b919" ], "2909269f-8458-4037-b0d6-dead281539cc": [ "b1046583-b557-4c0d-86b3-fe1ba065b919" ], "dac6aafe-3a45-426f-812b-ece7f3eadced": [ "290bb003-323d-447d-9525-46acaf55b330" ], "ed0d4c55-ce32-4616-a13e-f6fb089de649": [ "290bb003-323d-447d-9525-46acaf55b330" ], "c38cc60b-ef13-42fc-b63d-f21ac533098b": [ "290bb003-323d-447d-9525-46acaf55b330" ], "1f55c95b-23e8-4000-879b-2e36a44b97ea": [ "290bb003-323d-447d-9525-46acaf55b330" ], "a9e85589-c684-492e-8241-babae2cc5026": [ "290bb003-323d-447d-9525-46acaf55b330" ], "63c313c5-b9fb-47f0-ac63-849ca02bf20c": [ "290bb003-323d-447d-9525-46acaf55b330" ], "76578394-4f69-4572-954b-aeacaafb729f": [ "290bb003-323d-447d-9525-46acaf55b330" ], "4194cf5b-63d4-4eae-b542-0f4934d243f6": [ "290bb003-323d-447d-9525-46acaf55b330" ], "7071479c-0ce0-4c48-b8c3-0d34d6c0f683": [ "290bb003-323d-447d-9525-46acaf55b330" ], "0455c2c3-ce6b-4f68-afab-a717ec9a7670": [ "290bb003-323d-447d-9525-46acaf55b330" ], "300d7b90-e8b5-44f1-856f-d7fe10e8c67c": [ "665693ab-429a-43b8-b420-172307e2c2f9" ], "3040398a-268d-4262-b6c1-022d5dcdab75": [ "665693ab-429a-43b8-b420-172307e2c2f9" ], "a4379bad-3be6-498d-8b85-1eaab3de9429": [ "665693ab-429a-43b8-b420-172307e2c2f9" ], "d45c4d9b-ace8-4a0f-b253-171a0103d966": [ "665693ab-429a-43b8-b420-172307e2c2f9" ], "52e65c51-c212-4f74-a560-0967b638ff88": [ "665693ab-429a-43b8-b420-172307e2c2f9" ], "781110de-5fc6-46b1-a910-59744d17abbe": [ "665693ab-429a-43b8-b420-172307e2c2f9" ], "d4551945-b74b-4087-b7ae-6d5a002e1107": [ "665693ab-429a-43b8-b420-172307e2c2f9" ], "e0f4edca-e4d1-47b5-8307-c37647907667": [ "665693ab-429a-43b8-b420-172307e2c2f9" ], "3cf9fa3e-72c7-409f-8f5a-076cb3cb7a51": [ "665693ab-429a-43b8-b420-172307e2c2f9" ], "05a53eb3-f44d-4657-b2f9-e9bc9633ca15": [ "665693ab-429a-43b8-b420-172307e2c2f9" ], "a23d6a73-114e-40cb-899a-8260055fc024": [ "fce7da44-9b25-4db8-aaca-9dfc0f607634" ], "a457b956-4825-4f55-b8be-a530242526e9": [ "fce7da44-9b25-4db8-aaca-9dfc0f607634" ], "c61a9534-7ae9-4265-9bce-b4c32be2d287": [ "fce7da44-9b25-4db8-aaca-9dfc0f607634" ], "aaee406c-fc48-4b07-98e1-79ac37797eb3": [ "fce7da44-9b25-4db8-aaca-9dfc0f607634" ], "0b6c6e24-32d0-403b-b7e3-ceb3ad5043dd": [ "fce7da44-9b25-4db8-aaca-9dfc0f607634" ], "9e0b0e21-6d85-4c27-9ec2-351b05a1afe7": [ "fce7da44-9b25-4db8-aaca-9dfc0f607634" ], "2fd44491-87c1-4e87-aeef-9480b4c49e8b": [ "fce7da44-9b25-4db8-aaca-9dfc0f607634" ], "da6e13ed-f5f0-4d1d-85b5-cccc1b5171fe": [ "fce7da44-9b25-4db8-aaca-9dfc0f607634" ], "a095f0aa-afc1-4062-9eb5-a6ec6ff90d16": [ "fce7da44-9b25-4db8-aaca-9dfc0f607634" ], "7f141a36-ce1d-4008-adec-2bf75d862a55": [ "fce7da44-9b25-4db8-aaca-9dfc0f607634" ], "57e0a2e8-aac7-4aa7-821a-c7fe4c08fc81": [ "235ba7ce-1921-4bf5-9efd-5f1e6a0f464b" ], "9adc242e-2894-467d-ac2a-98f1a36b7587": [ "235ba7ce-1921-4bf5-9efd-5f1e6a0f464b" ], "fe7ac315-9c93-44bc-902a-4e6270a5f153": [ "235ba7ce-1921-4bf5-9efd-5f1e6a0f464b" ], "bea14f9a-60f2-43aa-b504-68951861f873": [ "235ba7ce-1921-4bf5-9efd-5f1e6a0f464b" ], "8d999870-5af5-4c86-82f2-500af5ed3199": [ "235ba7ce-1921-4bf5-9efd-5f1e6a0f464b" ], "49e8b12e-d281-494e-943c-1fbf147a4066": [ "235ba7ce-1921-4bf5-9efd-5f1e6a0f464b" ], "261b7d33-414e-47ac-94e7-94887637eaf4": [ "235ba7ce-1921-4bf5-9efd-5f1e6a0f464b" ], "7bac1900-7f70-4475-8d6d-30a4de6cb6b9": [ "235ba7ce-1921-4bf5-9efd-5f1e6a0f464b" ], "2e8da3f8-0005-4435-bf55-e8cb381f9319": [ "235ba7ce-1921-4bf5-9efd-5f1e6a0f464b" ], "5aad946d-1c70-4a35-bc92-3219911f4522": [ "235ba7ce-1921-4bf5-9efd-5f1e6a0f464b" ], "09f31987-6b3c-458a-a77d-73bc2635ef95": [ "ea7f2b73-bb48-488f-9089-afccf36d3543" ], "ff20773a-d9d8-47db-91ed-dd8987430594": [ "ea7f2b73-bb48-488f-9089-afccf36d3543" ], "4b21ecf6-4e30-4fb3-a3bd-b03a14161605": [ "ea7f2b73-bb48-488f-9089-afccf36d3543" ], "6d4fe3e7-4d0e-4697-83cc-a9796d4dcf45": [ "ea7f2b73-bb48-488f-9089-afccf36d3543" ], "afd0a78a-8a72-4552-bd83-ec5274dd84f0": [ "ea7f2b73-bb48-488f-9089-afccf36d3543" ], "a2d457a2-7265-4203-845a-ca7db62e0bf4": [ "ea7f2b73-bb48-488f-9089-afccf36d3543" ], "db427976-b0b4-4a5c-ba08-a8f8609d6d9a": [ "ea7f2b73-bb48-488f-9089-afccf36d3543" ], "abb2f6ce-c5e7-449e-aab7-dcfc61473302": [ "ea7f2b73-bb48-488f-9089-afccf36d3543" ], "e54b5701-c2c9-4d8c-8531-f4cc13a603eb": [ "ea7f2b73-bb48-488f-9089-afccf36d3543" ], "4cf2ddd6-7973-43a1-b12e-d22a4fe6ee01": [ "ea7f2b73-bb48-488f-9089-afccf36d3543" ], "c14b327f-74d3-42ca-8a39-d4e14dd28431": [ "fb70bff5-e982-44c1-ab8f-4107ff21e575" ], "515c3851-10a1-461a-8015-fa9a90a41a4c": [ "fb70bff5-e982-44c1-ab8f-4107ff21e575" ], "66d260b8-1eb5-4358-9ed0-ab7fde24cca1": [ "fb70bff5-e982-44c1-ab8f-4107ff21e575" ], "2244a67e-3c5b-4729-ba77-992f042d52b6": [ "fb70bff5-e982-44c1-ab8f-4107ff21e575" ], "857fa674-6322-4ba8-85fb-126c9e299fbb": [ "fb70bff5-e982-44c1-ab8f-4107ff21e575" ], "ed8d8dce-ab22-45d1-914c-2a74baeffbe9": [ "fb70bff5-e982-44c1-ab8f-4107ff21e575" ], "13c228bb-5fee-48d4-ba6f-e1148c8c4e61": [ "fb70bff5-e982-44c1-ab8f-4107ff21e575" ], "e1385ad4-6234-4d9e-b0f8-2df5eea9f613": [ "fb70bff5-e982-44c1-ab8f-4107ff21e575" ], "3a7d27a5-bae5-4d70-9f6e-35ecdb96054e": [ "fb70bff5-e982-44c1-ab8f-4107ff21e575" ], "edf2282f-7d3d-42d9-98a0-793295d87b41": [ "fb70bff5-e982-44c1-ab8f-4107ff21e575" ], "06e7caf6-da98-4ba3-81dc-d06364f00975": [ "298b1861-a9f2-4b58-afa1-95a12295364f" ], "f381b797-9cb7-4d70-a659-6f66adc3f12c": [ "298b1861-a9f2-4b58-afa1-95a12295364f" ], "2674e45f-89d2-470e-b3c7-56d3b793a514": [ "298b1861-a9f2-4b58-afa1-95a12295364f" ], "c67891e8-5e32-4f33-b33d-1722de322027": [ "298b1861-a9f2-4b58-afa1-95a12295364f" ], "372b3840-9cc5-484d-8221-2fc1971d5233": [ "298b1861-a9f2-4b58-afa1-95a12295364f" ], "47ddff22-e852-4bc7-84e9-a8db6dc460f3": [ "298b1861-a9f2-4b58-afa1-95a12295364f" ], "6565c025-be51-4764-8d15-7a60a6f6e177": [ "298b1861-a9f2-4b58-afa1-95a12295364f" ], "fe68287b-85a7-4180-b0ed-208760eeb70b": [ "298b1861-a9f2-4b58-afa1-95a12295364f" ], "b64c1a92-fb17-4d8c-9e6e-4f0744b59906": [ "298b1861-a9f2-4b58-afa1-95a12295364f" ], "b85d23ce-9103-4d7f-b52f-b7e3a03fba57": [ "298b1861-a9f2-4b58-afa1-95a12295364f" ], "b1a64c9c-94ed-4846-85df-be07bc5815f4": [ "6855ea38-8395-4223-a5d8-714c5bc1007e" ], "fd3db2be-0dba-45b1-9b3f-e2090c786b7d": [ "6855ea38-8395-4223-a5d8-714c5bc1007e" ], "ddcf8a25-159d-407d-89d7-a5e85441291c": [ "6855ea38-8395-4223-a5d8-714c5bc1007e" ], "efdeabfe-1bf4-4c8a-9607-b00fe5e8e07b": [ "6855ea38-8395-4223-a5d8-714c5bc1007e" ], "b73bff32-7a30-450f-bd36-7d5fa510438c": [ "6855ea38-8395-4223-a5d8-714c5bc1007e" ], "be3ea6c8-86ad-43e7-bdcd-fe663296f4dd": [ "6855ea38-8395-4223-a5d8-714c5bc1007e" ], "5afb3e30-4fd2-4633-a0ba-5768914d41ee": [ "6855ea38-8395-4223-a5d8-714c5bc1007e" ], "8fb0b444-4e3b-4cf8-ae97-ba68ce1ad57e": [ "6855ea38-8395-4223-a5d8-714c5bc1007e" ], "cae1b182-fe5d-40fe-be69-b704f98e5874": [ "6855ea38-8395-4223-a5d8-714c5bc1007e" ], "de4e7ab5-39b8-4cc8-8331-cfbb642cdca3": [ "6855ea38-8395-4223-a5d8-714c5bc1007e" ], "3691b394-9779-4a7e-a67c-05476b5ef5b8": [ "d9724d7e-98be-4d35-b3e3-6ef5cc384413" ], "07b0d2a0-fe1f-43fc-ac4e-83962045fe7b": [ "d9724d7e-98be-4d35-b3e3-6ef5cc384413" ], "f23c630e-327e-40be-9d5d-9e061b1a2700": [ "d9724d7e-98be-4d35-b3e3-6ef5cc384413" ], "1eca35fe-da27-45f9-a1d2-b56578c1ed09": [ "d9724d7e-98be-4d35-b3e3-6ef5cc384413" ], "e98b893f-1699-4381-8ae7-2129b97d07da": [ "d9724d7e-98be-4d35-b3e3-6ef5cc384413" ], "58d9a8a1-bed8-4f47-9d07-614eeb4fbb61": [ "d9724d7e-98be-4d35-b3e3-6ef5cc384413" ], "32b2e694-e8e4-4306-8b92-5815519d58c4": [ "d9724d7e-98be-4d35-b3e3-6ef5cc384413" ], "fec60fef-db94-459d-833c-76f695d71f5c": [ "d9724d7e-98be-4d35-b3e3-6ef5cc384413" ], "c48f8b51-af68-499d-97e1-043b276762a8": [ "d9724d7e-98be-4d35-b3e3-6ef5cc384413" ], "5d5f9f4b-a0d5-4c34-a8fa-86c6d86778fe": [ "d9724d7e-98be-4d35-b3e3-6ef5cc384413" ], "72e45547-f40e-4739-94ec-1486667a83d0": [ "ba268c1d-3787-4dc5-9a07-1068fff8baaa" ], "3331e9b7-d9f8-4ce4-8eb8-0f42adc94ff3": [ "ba268c1d-3787-4dc5-9a07-1068fff8baaa" ], "bcb47c89-021f-4283-b5da-e5846c92f598": [ "ba268c1d-3787-4dc5-9a07-1068fff8baaa" ], "1c45f47a-d23e-4bb2-b9fe-591b8c27202b": [ "ba268c1d-3787-4dc5-9a07-1068fff8baaa" ], "054f18e8-c668-4228-b305-f59996664ec9": [ "ba268c1d-3787-4dc5-9a07-1068fff8baaa" ], "eeb9ed51-dc5e-4629-83ee-ee90ffc2272e": [ "ba268c1d-3787-4dc5-9a07-1068fff8baaa" ], "211054db-f01a-4d06-b8a4-187d9eb025a9": [ "ba268c1d-3787-4dc5-9a07-1068fff8baaa" ], "a777c619-f1a3-405e-a752-0a4d85eacce6": [ "ba268c1d-3787-4dc5-9a07-1068fff8baaa" ], "c2f7d7c4-c8aa-42d6-b025-4b4912535350": [ "ba268c1d-3787-4dc5-9a07-1068fff8baaa" ], "a96e3ebe-f95e-4b7c-a2c6-37e6e353bfe1": [ "ba268c1d-3787-4dc5-9a07-1068fff8baaa" ], "b12fa884-1974-4892-ab1f-0e6d22482649": [ "53631a9e-0832-4bd5-8a89-cf1559fa54b8" ], "913ca760-c43a-4d33-b9a2-c6f2632d8406": [ "53631a9e-0832-4bd5-8a89-cf1559fa54b8" ], "74722aaf-ac6d-4434-b610-d9a43353ae61": [ "53631a9e-0832-4bd5-8a89-cf1559fa54b8" ], "58aa5169-4065-4e57-9bee-98cd116baa8f": [ "53631a9e-0832-4bd5-8a89-cf1559fa54b8" ], "b1d6bcd4-6b71-4d8a-8a07-11f62189dd48": [ "53631a9e-0832-4bd5-8a89-cf1559fa54b8" ], "8918b6ba-6a5a-49e9-a553-6b8f3aec227b": [ "53631a9e-0832-4bd5-8a89-cf1559fa54b8" ], "7c4a2fff-5afc-402f-b42b-d4f95d63c9ca": [ "53631a9e-0832-4bd5-8a89-cf1559fa54b8" ], "87a8e7a2-e477-4948-bd2e-a1c05d213977": [ "53631a9e-0832-4bd5-8a89-cf1559fa54b8" ], "93ef8bbc-153d-4638-b650-e0af392b64da": [ "53631a9e-0832-4bd5-8a89-cf1559fa54b8" ], "2415c6ca-c33e-41de-b41b-9b6dd42aa23d": [ "53631a9e-0832-4bd5-8a89-cf1559fa54b8" ], "0856c1df-5e31-4121-b140-4aaaaaf7130a": [ "4410d49c-5322-4084-8f83-cf598a02cb73" ], "ee8d4fb5-d30a-4cd8-9e13-8bb255fe7c95": [ "4410d49c-5322-4084-8f83-cf598a02cb73" ], "2a447a2c-5383-48fa-b2a6-aed58860e072": [ "4410d49c-5322-4084-8f83-cf598a02cb73" ], "9fad454d-12db-4f82-9416-2f80dea71f16": [ "4410d49c-5322-4084-8f83-cf598a02cb73" ], "3391e011-0ecf-43ac-8bac-a362da83d4a3": [ "4410d49c-5322-4084-8f83-cf598a02cb73" ], "e3396371-bc7c-4a63-a648-b33daf2f23d4": [ "4410d49c-5322-4084-8f83-cf598a02cb73" ], "5dbe80ab-744b-4e36-bf94-bf1b7cba3301": [ "4410d49c-5322-4084-8f83-cf598a02cb73" ], "69016399-440a-47f9-9c9a-60c47d565c1c": [ "4410d49c-5322-4084-8f83-cf598a02cb73" ], "45c3f148-381c-44db-be57-79863c213aed": [ "4410d49c-5322-4084-8f83-cf598a02cb73" ], "2486f320-0bb4-4c1b-9c7f-7b2cbd4e3545": [ "4410d49c-5322-4084-8f83-cf598a02cb73" ], "a4cc34aa-9fa7-489c-bc75-a2649d9e408f": [ "cb795ccb-4127-45c0-903e-2e2fa7b17dc8" ], "634f044a-d975-41c1-addd-ecec449f1451": [ "cb795ccb-4127-45c0-903e-2e2fa7b17dc8" ], "d526fa76-0a4f-42ea-82a3-f432ed4032e9": [ "cb795ccb-4127-45c0-903e-2e2fa7b17dc8" ], "d19a9f12-677a-4ca7-aa43-53d735b2ced9": [ "cb795ccb-4127-45c0-903e-2e2fa7b17dc8" ], "6d8772b6-8719-4b72-9268-4f74409e66ba": [ "cb795ccb-4127-45c0-903e-2e2fa7b17dc8" ], "96705107-e6c9-4464-a3f7-4f63fb8a295d": [ "cb795ccb-4127-45c0-903e-2e2fa7b17dc8" ], "20effae5-02be-4ed3-8592-c7c91770243b": [ "cb795ccb-4127-45c0-903e-2e2fa7b17dc8" ], "4816debf-e895-48b5-b349-31a0dadcf2f5": [ "cb795ccb-4127-45c0-903e-2e2fa7b17dc8" ], "422ebb71-1957-4463-8247-3968aa68ba37": [ "cb795ccb-4127-45c0-903e-2e2fa7b17dc8" ], "531037d4-af0b-428e-a4a9-89dcdfae78e0": [ "cb795ccb-4127-45c0-903e-2e2fa7b17dc8" ], "085e37ef-f0e1-4a12-bb29-db71df966a54": [ "6362b60a-0c88-495e-95fc-140f8255bc85" ], "d7c6193e-aabf-4cd7-bca3-d1ab6207f02b": [ "6362b60a-0c88-495e-95fc-140f8255bc85" ], "7e60d50e-29b0-4457-a658-6b4d2d48f3a8": [ "6362b60a-0c88-495e-95fc-140f8255bc85" ], "802a4218-1e9d-40c7-a8df-ad7c084f476f": [ "6362b60a-0c88-495e-95fc-140f8255bc85" ], "94a819a9-5d2d-4bd5-9c6c-69bba29bd7ee": [ "6362b60a-0c88-495e-95fc-140f8255bc85" ], "3e57815c-f04e-4e75-a8e9-7297d184ccc5": [ "6362b60a-0c88-495e-95fc-140f8255bc85" ], "c98cee26-5bef-47de-a0d5-c030f66322a3": [ "6362b60a-0c88-495e-95fc-140f8255bc85" ], "e07f0e06-8c0c-495e-94d1-1b8c7c77f77b": [ "6362b60a-0c88-495e-95fc-140f8255bc85" ], "3aab0e20-6b04-4bb9-b9c3-ef23759a3cc3": [ "6362b60a-0c88-495e-95fc-140f8255bc85" ], "d1219628-9123-46ad-bba0-d22aadbae3b9": [ "6362b60a-0c88-495e-95fc-140f8255bc85" ], "8cb79e56-400a-412c-b7dc-d8f5dc047825": [ "f8d92110-a4aa-422e-a223-39aecc82579b" ], "cc73f1ea-6195-4c9b-8c20-effbbe58fe96": [ "f8d92110-a4aa-422e-a223-39aecc82579b" ], "93534042-e981-427f-9e87-300baeef5871": [ "f8d92110-a4aa-422e-a223-39aecc82579b" ], "e877cf25-9ff4-4517-b330-e1ba2d397b5a": [ "f8d92110-a4aa-422e-a223-39aecc82579b" ], "7901dbc0-886d-4d98-bdb0-a6346cc51f53": [ "f8d92110-a4aa-422e-a223-39aecc82579b" ], "e2deb631-8716-4494-91ce-6b62115ed891": [ "f8d92110-a4aa-422e-a223-39aecc82579b" ], "79049dfb-9978-4387-884f-508d3552e0c4": [ "f8d92110-a4aa-422e-a223-39aecc82579b" ], "1c815237-b47f-4506-8474-353c953225f0": [ "f8d92110-a4aa-422e-a223-39aecc82579b" ], "ad92526e-7068-4352-beb2-09aab2cb63d0": [ "f8d92110-a4aa-422e-a223-39aecc82579b" ], "2880d5f2-8210-434a-a8a2-3f64dfa1f0b0": [ "f8d92110-a4aa-422e-a223-39aecc82579b" ], "8aae4202-178a-41e7-b06a-526a3cd53256": [ "7da7a72c-82ec-4bdc-8467-251d49cf700e" ], "94672ff9-d17d-4be3-98c8-a7670a8d9ba2": [ "7da7a72c-82ec-4bdc-8467-251d49cf700e" ], "4453fe00-c71a-4ed3-8ac5-00dce57d7a13": [ "7da7a72c-82ec-4bdc-8467-251d49cf700e" ], "bfcba494-4df7-41f2-91f8-5027cd9be7cc": [ "7da7a72c-82ec-4bdc-8467-251d49cf700e" ], "9eb07e72-0eae-4d34-aca7-be280319d376": [ "7da7a72c-82ec-4bdc-8467-251d49cf700e" ], "5aa02761-3528-4b33-8262-810626694d29": [ "7da7a72c-82ec-4bdc-8467-251d49cf700e" ], "2105493f-a0fc-4b8d-b9e4-d7d84a1f125a": [ "7da7a72c-82ec-4bdc-8467-251d49cf700e" ], "d1b0648c-ef03-45a2-8950-bc68404b79ed": [ "7da7a72c-82ec-4bdc-8467-251d49cf700e" ], "16da6ac2-8c72-4f95-a624-612bc16bab31": [ "7da7a72c-82ec-4bdc-8467-251d49cf700e" ], "a96dc659-6e41-4ff1-a6f0-dd3234f4f5c9": [ "7da7a72c-82ec-4bdc-8467-251d49cf700e" ], "ceb8b5cd-ff5e-4b35-87e2-77fc61d4bd27": [ "a042fef2-25ea-40eb-b834-6c2b43a55cbd" ], "378cb708-12cc-4ce1-810c-babdde897a6e": [ "a042fef2-25ea-40eb-b834-6c2b43a55cbd" ], "115c3ae9-595b-485a-be42-65c5e72ae8f5": [ "a042fef2-25ea-40eb-b834-6c2b43a55cbd" ], "dc87aa7c-2de6-4efe-a739-1274d84af1a1": [ "a042fef2-25ea-40eb-b834-6c2b43a55cbd" ], "b786456d-6771-468e-9c2e-472776cc26f2": [ "a042fef2-25ea-40eb-b834-6c2b43a55cbd" ], "cfa127c4-38eb-4cf6-9630-8232114ae5cf": [ "a042fef2-25ea-40eb-b834-6c2b43a55cbd" ], "bb92b832-0fd2-4d8b-a2f7-3905bc2b48ab": [ "a042fef2-25ea-40eb-b834-6c2b43a55cbd" ], "549088db-346f-4e3e-9781-2ffc7737cea1": [ "a042fef2-25ea-40eb-b834-6c2b43a55cbd" ], "11c25e3d-a2ea-4ee2-ba5f-03ea0a7cc249": [ "a042fef2-25ea-40eb-b834-6c2b43a55cbd" ], "2c0581a8-b0ff-44ed-b118-7451587fdece": [ "a042fef2-25ea-40eb-b834-6c2b43a55cbd" ], "155281f1-d185-4149-9241-28b22b205ee3": [ "83dc7914-e4be-45e2-9d10-1bea22adde6d" ], "348862b1-4481-408a-999d-5395dc70fbaa": [ "83dc7914-e4be-45e2-9d10-1bea22adde6d" ], "e3f9e950-8aad-4313-af4e-aacd345201a1": [ "83dc7914-e4be-45e2-9d10-1bea22adde6d" ], "94bfd5a0-e992-4b1c-8645-0eb5d774aab1": [ "83dc7914-e4be-45e2-9d10-1bea22adde6d" ], "2b4a0f18-acf7-406c-ac5c-c8e667d936a1": [ "83dc7914-e4be-45e2-9d10-1bea22adde6d" ], "adeb907a-eeca-40bf-8c05-979f67ea4f53": [ "83dc7914-e4be-45e2-9d10-1bea22adde6d" ], "5648ba1e-a48f-4875-acf1-8dbd825d2fc5": [ "83dc7914-e4be-45e2-9d10-1bea22adde6d" ], "892f0fe5-8876-4db3-80af-2778814ea543": [ "83dc7914-e4be-45e2-9d10-1bea22adde6d" ], "ae1c8626-d149-4f1a-9c69-8b6ecac4e942": [ "83dc7914-e4be-45e2-9d10-1bea22adde6d" ], "e48663e7-b696-4262-99ef-7a9dc49a8088": [ "83dc7914-e4be-45e2-9d10-1bea22adde6d" ], "9618b95b-fcc4-4f0f-9fa8-d98fd9860c23": [ "07f3dcaf-2acb-4727-8469-234d6a49bff1" ], "1cade56c-b076-4ada-896b-3c62b30eecee": [ "07f3dcaf-2acb-4727-8469-234d6a49bff1" ], "4f429494-65f0-4a0c-aba9-ef9d44b2b067": [ "07f3dcaf-2acb-4727-8469-234d6a49bff1" ], "321930e2-e6cb-4750-aac7-e40c1af87c96": [ "07f3dcaf-2acb-4727-8469-234d6a49bff1" ], "28f63874-6b4e-4b66-91a1-ebeb7bc207b5": [ "07f3dcaf-2acb-4727-8469-234d6a49bff1" ], "65fb41de-3052-462f-8473-a3c827b8b6f2": [ "07f3dcaf-2acb-4727-8469-234d6a49bff1" ], "aec28a91-035e-4345-853a-36c8e713c8ca": [ "07f3dcaf-2acb-4727-8469-234d6a49bff1" ], "cefc7b02-ec3b-42b8-8425-feda04804980": [ "07f3dcaf-2acb-4727-8469-234d6a49bff1" ], "2d9edbad-e162-4be2-8702-9ee423b6a04d": [ "07f3dcaf-2acb-4727-8469-234d6a49bff1" ], "53e14f1b-a7c8-4c4b-b998-ebb4a539cbc2": [ "07f3dcaf-2acb-4727-8469-234d6a49bff1" ], "b2e82ee8-775a-4d5a-8128-ea7b8db0ced7": [ "d4eb35d4-798f-489b-9cdf-5332ab298d5d" ], "6bd47b15-0302-4e42-9277-ffc833cc2f21": [ "d4eb35d4-798f-489b-9cdf-5332ab298d5d" ], "6248a4b2-2a19-4f21-a8b0-377303678f8e": [ "d4eb35d4-798f-489b-9cdf-5332ab298d5d" ], "c58df053-d361-4b75-8f17-79d3aa315b73": [ "d4eb35d4-798f-489b-9cdf-5332ab298d5d" ], "7b29d716-732d-4777-963e-b794650f7390": [ "d4eb35d4-798f-489b-9cdf-5332ab298d5d" ], "d8b12bd9-849d-47c4-9db3-edd426ac56b2": [ "d4eb35d4-798f-489b-9cdf-5332ab298d5d" ], "4bb05736-d522-4dfe-ab3d-67898406a557": [ "d4eb35d4-798f-489b-9cdf-5332ab298d5d" ], "43db3486-ff11-414e-9d28-3962cd58ca36": [ "d4eb35d4-798f-489b-9cdf-5332ab298d5d" ], "e7a36eb9-d5e3-4bfd-8b03-d118606e53c3": [ "d4eb35d4-798f-489b-9cdf-5332ab298d5d" ], "1c6ae2f8-56ae-4d2f-af90-f7165daf5cbe": [ "d4eb35d4-798f-489b-9cdf-5332ab298d5d" ], "297cbbd7-b866-4412-a398-0a5c4f463642": [ "51c6a173-f82f-4aad-9d78-8363956db39b" ], "f63e5efc-7415-4548-a933-66dd294f94bb": [ "51c6a173-f82f-4aad-9d78-8363956db39b" ], "a36ec888-0a4f-4063-9737-566e73133ce6": [ "51c6a173-f82f-4aad-9d78-8363956db39b" ], "0ec4cc62-3069-4a82-9469-89ed7379119c": [ "51c6a173-f82f-4aad-9d78-8363956db39b" ], "91a9f98a-5d24-4b2a-9239-45da6f069a28": [ "51c6a173-f82f-4aad-9d78-8363956db39b" ], "194ca6d5-5146-4d5f-a32b-86351619fe64": [ "51c6a173-f82f-4aad-9d78-8363956db39b" ], "9e9ef59d-6163-4117-b25b-9d61a92d6fe3": [ "51c6a173-f82f-4aad-9d78-8363956db39b" ], "ad1f143f-1a73-4d42-a935-43052984bb72": [ "51c6a173-f82f-4aad-9d78-8363956db39b" ], "3ebcd83a-f6ae-4f83-9edc-8e6c228bb4f3": [ "51c6a173-f82f-4aad-9d78-8363956db39b" ], "e584321a-61db-44ad-af60-7df1b1509f95": [ "51c6a173-f82f-4aad-9d78-8363956db39b" ], "fcf040c6-89a2-4ff9-92c4-b13f8f32fbb5": [ "cd9825a0-da68-45b3-9bdd-c15a8c88aba7" ], "aeba2862-a1c2-462d-b60f-b117466b112a": [ "cd9825a0-da68-45b3-9bdd-c15a8c88aba7" ], "19308369-2f9f-4aca-9c5c-a8e7f361e196": [ "cd9825a0-da68-45b3-9bdd-c15a8c88aba7" ], "18bb02eb-0e7f-480b-b24c-8225020da6fd": [ "cd9825a0-da68-45b3-9bdd-c15a8c88aba7" ], "8f300743-3d7e-46fe-b41d-cf8862910f96": [ "cd9825a0-da68-45b3-9bdd-c15a8c88aba7" ], "d5b77b6b-e6b5-48e3-9fcd-3c4428980dc0": [ "cd9825a0-da68-45b3-9bdd-c15a8c88aba7" ], "f9e48bf3-03d3-4374-84ed-12c642063dcc": [ "cd9825a0-da68-45b3-9bdd-c15a8c88aba7" ], "8c83618f-3fc1-4326-bcdf-8a79431f3b63": [ "cd9825a0-da68-45b3-9bdd-c15a8c88aba7" ], "bbd9940f-06a1-4053-9e44-19527be68faf": [ "cd9825a0-da68-45b3-9bdd-c15a8c88aba7" ], "8f6bd280-2b36-42b7-9fe8-63d96349e155": [ "cd9825a0-da68-45b3-9bdd-c15a8c88aba7" ], "2a178fbe-1a85-41b4-ada3-bd1e6bbf71af": [ "a0b1fd70-e94d-4fe9-ad5d-06d3cf2f2c16" ], "a9862901-ef3e-410e-82d2-82a89075a555": [ "a0b1fd70-e94d-4fe9-ad5d-06d3cf2f2c16" ], "1ac67a27-2376-4c1e-98b6-f6d400ecb89e": [ "a0b1fd70-e94d-4fe9-ad5d-06d3cf2f2c16" ], "88525266-c5a7-46d8-8731-809be94ed4fd": [ "a0b1fd70-e94d-4fe9-ad5d-06d3cf2f2c16" ], "60f98b50-75d8-4267-a184-41bc11f19b53": [ "a0b1fd70-e94d-4fe9-ad5d-06d3cf2f2c16" ], "f4b7fb9c-18c1-4093-bdfb-590873a73e84": [ "a0b1fd70-e94d-4fe9-ad5d-06d3cf2f2c16" ], "818e80b6-321d-4caf-b2ed-9f7211c26166": [ "a0b1fd70-e94d-4fe9-ad5d-06d3cf2f2c16" ], "9bb4098e-6c96-45a4-b018-c41be02550be": [ "a0b1fd70-e94d-4fe9-ad5d-06d3cf2f2c16" ], "6b0f4d56-20c0-4ea0-bc0d-c59c800cbf97": [ "a0b1fd70-e94d-4fe9-ad5d-06d3cf2f2c16" ], "8305f4a8-7139-444d-817a-51e81fbb6716": [ "a0b1fd70-e94d-4fe9-ad5d-06d3cf2f2c16" ], "727a2184-f00f-43c2-9b76-a4c3dd808dde": [ "d2547cff-1c9b-411f-8ed3-67009efe0720" ], "7b3d8f62-c37d-40e6-b135-72614b61be80": [ "d2547cff-1c9b-411f-8ed3-67009efe0720" ], "7cef8991-a0ca-42cb-adf9-1218d34f304e": [ "d2547cff-1c9b-411f-8ed3-67009efe0720" ], "e8863541-ca3f-4108-8f3d-0c07d4f92500": [ "d2547cff-1c9b-411f-8ed3-67009efe0720" ], "26966c60-df4c-4db2-ba18-88b4698fb904": [ "d2547cff-1c9b-411f-8ed3-67009efe0720" ], "9dcc4e69-ee34-459f-8097-34db24e227c7": [ "d2547cff-1c9b-411f-8ed3-67009efe0720" ], "4de79513-ab0c-4611-b63e-a36798be9ea2": [ "d2547cff-1c9b-411f-8ed3-67009efe0720" ], "b00943a9-514c-469a-9791-70eeb6e65467": [ "d2547cff-1c9b-411f-8ed3-67009efe0720" ], "d19cf4a6-eb0f-4574-abd6-a852b867f0fc": [ "d2547cff-1c9b-411f-8ed3-67009efe0720" ], "a6e92056-985d-4479-9ed1-4db73638cdda": [ "d2547cff-1c9b-411f-8ed3-67009efe0720" ], "c8d08e94-c21f-44f6-98bc-26ba3c5e6d51": [ "d818e01f-4689-486b-8161-d5d383903fb2" ], "e17cbff0-1d63-4ef2-ab70-60886e60441c": [ "d818e01f-4689-486b-8161-d5d383903fb2" ], "232dd272-fcd1-400f-9a1a-b4cb4798066d": [ "d818e01f-4689-486b-8161-d5d383903fb2" ], "adbfb35c-4648-4903-9d77-b6cffcb0971d": [ "d818e01f-4689-486b-8161-d5d383903fb2" ], "555c8068-e99e-4bdb-ab02-5f23fb87a44e": [ "d818e01f-4689-486b-8161-d5d383903fb2" ], "cbe9c7e5-81e3-4820-bf7d-acaa88042053": [ "d818e01f-4689-486b-8161-d5d383903fb2" ], "3d065a10-0460-4576-a493-9854e04e9c5d": [ "d818e01f-4689-486b-8161-d5d383903fb2" ], "5a4b704a-fc75-452a-a943-405e86564c6c": [ "d818e01f-4689-486b-8161-d5d383903fb2" ], "eaa643b7-c846-467b-89ae-ddc556b69420": [ "d818e01f-4689-486b-8161-d5d383903fb2" ], "4ea92633-1422-436b-b823-775cc8857231": [ "d818e01f-4689-486b-8161-d5d383903fb2" ], "4b753db5-3805-4d6e-a310-5bb183c93aa9": [ "9ebc85dd-3ffa-430c-a06c-595c549b5dd3" ], "34e1a1af-4658-4d15-864f-7410697bc8fd": [ "9ebc85dd-3ffa-430c-a06c-595c549b5dd3" ], "29d257c9-ba72-40fa-a1b7-f2f2818d9827": [ "9ebc85dd-3ffa-430c-a06c-595c549b5dd3" ], "ba60a51a-10c5-4384-b3cc-95d1e09104d6": [ "9ebc85dd-3ffa-430c-a06c-595c549b5dd3" ], "9b6e227b-be07-441a-9e10-aac6150d1e33": [ "9ebc85dd-3ffa-430c-a06c-595c549b5dd3" ], "57939738-6571-495b-bb85-f298f6af4143": [ "9ebc85dd-3ffa-430c-a06c-595c549b5dd3" ], "bc63632b-439b-4b7c-91a5-97a53eb6d484": [ "9ebc85dd-3ffa-430c-a06c-595c549b5dd3" ], "7345e45c-14fa-4928-b76d-ccb4abdf2f10": [ "9ebc85dd-3ffa-430c-a06c-595c549b5dd3" ], "0bb0dd72-b964-48b4-bc51-73648a7438ad": [ "9ebc85dd-3ffa-430c-a06c-595c549b5dd3" ], "7da1bf4e-9e1a-4bbf-af87-078796f2e893": [ "9ebc85dd-3ffa-430c-a06c-595c549b5dd3" ], "caaffe6b-e2eb-4f39-a82b-fdfb1b3d8a5a": [ "1d705aea-45d8-4ca4-adc5-ecc92e8713e6" ], "46dfda47-f8e6-4373-8878-553d4ffb684d": [ "1d705aea-45d8-4ca4-adc5-ecc92e8713e6" ], "ad7861af-af68-486c-8226-171e0e25c55e": [ "1d705aea-45d8-4ca4-adc5-ecc92e8713e6" ], "32fee855-9d4f-4acf-ad5c-d55e6fe1c0ba": [ "1d705aea-45d8-4ca4-adc5-ecc92e8713e6" ], "06265f29-4e48-4188-aabb-0c4d10fc9684": [ "1d705aea-45d8-4ca4-adc5-ecc92e8713e6" ], "95472771-f0fb-4af0-b5d1-5e6cdcb6466f": [ "1d705aea-45d8-4ca4-adc5-ecc92e8713e6" ], "4fd14446-5957-4d49-866b-38f8e7732ec9": [ "1d705aea-45d8-4ca4-adc5-ecc92e8713e6" ], "1e8adec7-afc3-46fd-a954-78386bedf115": [ "1d705aea-45d8-4ca4-adc5-ecc92e8713e6" ], "f6e1b82c-8454-4431-8e95-f8a5d8ddb4ee": [ "1d705aea-45d8-4ca4-adc5-ecc92e8713e6" ], "804b2751-e04d-46a3-8544-7f67b79fc66d": [ "1d705aea-45d8-4ca4-adc5-ecc92e8713e6" ], "a4381787-45e1-48ba-a31b-348e881cedf8": [ "1d3c037e-7d22-442c-b67b-dd92e1051f53" ], "754d5581-1cbc-46cf-8f7f-c87764eaa605": [ "1d3c037e-7d22-442c-b67b-dd92e1051f53" ], "7ebfa01c-1f71-4628-8d40-bc15be9bb39c": [ "1d3c037e-7d22-442c-b67b-dd92e1051f53" ], "6e4c5be2-2684-4ca3-ac4a-6c594e64533d": [ "1d3c037e-7d22-442c-b67b-dd92e1051f53" ], "4b08200c-163c-4569-b9f5-45559e662e7f": [ "1d3c037e-7d22-442c-b67b-dd92e1051f53" ], "b288762f-0ee6-42f0-9ac7-88741dc6726b": [ "1d3c037e-7d22-442c-b67b-dd92e1051f53" ], "ef3d052d-5d86-4c6f-aeb5-a78644c3dfc4": [ "1d3c037e-7d22-442c-b67b-dd92e1051f53" ], "33123271-2687-436c-b249-12fec5a7ea80": [ "1d3c037e-7d22-442c-b67b-dd92e1051f53" ], "69bc4711-d8ad-4e39-8555-d73b23601734": [ "1d3c037e-7d22-442c-b67b-dd92e1051f53" ], "8858f97a-7e18-4718-8bd1-6ee6005d83da": [ "1d3c037e-7d22-442c-b67b-dd92e1051f53" ], "3b70af46-be00-4a22-88cd-1c5ff0537d44": [ "5dc6b2f5-3b25-4079-bd0d-8faf2a4aabe6" ], "ae4d0f4d-4748-4e96-beed-cd4c89c1a36a": [ "5dc6b2f5-3b25-4079-bd0d-8faf2a4aabe6" ], "a67a8891-9174-4daf-9636-56eefd941b68": [ "5dc6b2f5-3b25-4079-bd0d-8faf2a4aabe6" ], "fa9bcc2f-e315-4152-91d5-ced849ee1367": [ "5dc6b2f5-3b25-4079-bd0d-8faf2a4aabe6" ], "a9e73fd8-fb2e-4c7b-86f4-6d45a6044438": [ "5dc6b2f5-3b25-4079-bd0d-8faf2a4aabe6" ], "eb0697d5-a9ec-476a-86fd-ca7fcdb2a16f": [ "5dc6b2f5-3b25-4079-bd0d-8faf2a4aabe6" ], "eb25aff6-83c1-4e3d-9441-3503005d8ae6": [ "5dc6b2f5-3b25-4079-bd0d-8faf2a4aabe6" ], "6fd25cde-5afa-4f96-ac42-1fbb16070940": [ "5dc6b2f5-3b25-4079-bd0d-8faf2a4aabe6" ], "be7294ac-9ed4-46c3-8eec-250f9f7eb134": [ "5dc6b2f5-3b25-4079-bd0d-8faf2a4aabe6" ], "39a19c3f-3d33-447d-a0c1-2b077c5db087": [ "5dc6b2f5-3b25-4079-bd0d-8faf2a4aabe6" ], "ef32fe48-3b2e-405b-9a69-9b40dd1f4cb3": [ "37d6258f-71d3-4c11-980b-124a15b64902" ], "13f386d7-c14a-459d-9a92-fe1fd2ecda3b": [ "37d6258f-71d3-4c11-980b-124a15b64902" ], "795d0139-36c1-4ddb-bd3f-927a096fb15c": [ "37d6258f-71d3-4c11-980b-124a15b64902" ], "2da7f976-8fa7-4179-9fa3-68e98fd29388": [ "37d6258f-71d3-4c11-980b-124a15b64902" ], "70d30aea-fe97-4179-a634-191d31574926": [ "37d6258f-71d3-4c11-980b-124a15b64902" ], "18a1ea5d-30f2-4852-a08a-e899d98b3218": [ "37d6258f-71d3-4c11-980b-124a15b64902" ], "e840ccf2-caeb-4077-997a-278574722b81": [ "37d6258f-71d3-4c11-980b-124a15b64902" ], "508b71a2-7a52-4ca6-9b1a-40d28923c472": [ "37d6258f-71d3-4c11-980b-124a15b64902" ], "99cf6b95-55a9-484a-bc12-7a258b40ad10": [ "37d6258f-71d3-4c11-980b-124a15b64902" ], "3adf7c54-ba38-428d-89d3-0be7048b7130": [ "37d6258f-71d3-4c11-980b-124a15b64902" ], "9304f753-31da-4a43-bd6e-6c4b58477b23": [ "c3bdf552-6aa3-4672-a6de-b76fa2364452" ], "f277af0e-1545-4f9d-9bcf-c8ce7d0aabb0": [ "c3bdf552-6aa3-4672-a6de-b76fa2364452" ], "10512da8-1e21-4862-9aaa-ab66b8d771c2": [ "c3bdf552-6aa3-4672-a6de-b76fa2364452" ], "4ff84e80-1dca-4566-9ac7-4a4f6323f723": [ "c3bdf552-6aa3-4672-a6de-b76fa2364452" ], "3a0a2630-861a-4d25-8eb1-f48351de5643": [ "c3bdf552-6aa3-4672-a6de-b76fa2364452" ], "1a68a34b-ecf8-44b3-8dc7-b7166567aeb5": [ "c3bdf552-6aa3-4672-a6de-b76fa2364452" ], "fbc70960-4a39-4817-a9c0-e7c791163fce": [ "c3bdf552-6aa3-4672-a6de-b76fa2364452" ], "380ba2c9-9283-4107-b41a-a32b112fb1d7": [ "c3bdf552-6aa3-4672-a6de-b76fa2364452" ], "9bc9c805-69ee-4834-b715-1781411e2fcd": [ "c3bdf552-6aa3-4672-a6de-b76fa2364452" ], "7a1a8928-32be-4603-af2c-2d3f0da8faf6": [ "c3bdf552-6aa3-4672-a6de-b76fa2364452" ], "073c6700-68c6-46f7-8890-1b5b9a159648": [ "16c035df-19a6-45ae-a0e2-a6277064b659" ], "96c9708d-cddd-4e2f-ad12-9cdcb2af3d38": [ "16c035df-19a6-45ae-a0e2-a6277064b659" ], "82e9781f-3f4b-45d2-aa04-e681f761f16a": [ "16c035df-19a6-45ae-a0e2-a6277064b659" ], "9752d245-b78b-4e23-8444-771fb50e672b": [ "16c035df-19a6-45ae-a0e2-a6277064b659" ], "d6fc2439-d030-4b56-b017-138287116b18": [ "16c035df-19a6-45ae-a0e2-a6277064b659" ], "0c45f457-48a5-4b64-9081-ee8d6fac7803": [ "16c035df-19a6-45ae-a0e2-a6277064b659" ], "8594c4f7-4492-431c-8a0a-c8289627e905": [ "16c035df-19a6-45ae-a0e2-a6277064b659" ], "2e7af3f1-ba5c-407c-a317-3b5c1cc67e5e": [ "16c035df-19a6-45ae-a0e2-a6277064b659" ], "64518ffb-5ed7-4ccb-b576-7647119761c6": [ "16c035df-19a6-45ae-a0e2-a6277064b659" ], "ba5a3add-2af8-44b4-aee3-8d6cfd367200": [ "16c035df-19a6-45ae-a0e2-a6277064b659" ], "ab2b0160-0e27-4ecb-944c-182292781220": [ "52b40d73-56a2-4325-9e29-74c34bb7ac03" ], "24bfa882-ebb3-48d7-a213-aea6a2c3b9d4": [ "52b40d73-56a2-4325-9e29-74c34bb7ac03" ], "3a536ccc-1de5-48aa-a4dd-708aecd2f656": [ "52b40d73-56a2-4325-9e29-74c34bb7ac03" ], "1013f537-da39-4c94-80c0-2a9f99dc2098": [ "52b40d73-56a2-4325-9e29-74c34bb7ac03" ], "143dd596-680b-434e-b710-9ce03f8a6027": [ "52b40d73-56a2-4325-9e29-74c34bb7ac03" ], "a1139d2c-5eee-42f1-925e-bceb96642a3a": [ "52b40d73-56a2-4325-9e29-74c34bb7ac03" ], "112ccf99-c6c9-4bbc-8b4a-1eca4b0bc70f": [ "52b40d73-56a2-4325-9e29-74c34bb7ac03" ], "05352ee8-dc60-44c0-8999-65550166901f": [ "52b40d73-56a2-4325-9e29-74c34bb7ac03" ], "7f6bdb5d-d216-456a-b740-011a6f1d6b90": [ "52b40d73-56a2-4325-9e29-74c34bb7ac03" ], "183b7d5d-48ac-4d08-a940-957b7e37ae04": [ "52b40d73-56a2-4325-9e29-74c34bb7ac03" ], "fef5bb7c-63ad-4e9f-b9a1-9ab2e0c39be8": [ "7cb865d2-188a-4884-8905-a451a22d58de" ], "217132a6-ebec-43a8-8dbd-3f3ebdbc114d": [ "7cb865d2-188a-4884-8905-a451a22d58de" ], "1f5312fd-1d2e-4360-b9d3-2fea86aae106": [ "7cb865d2-188a-4884-8905-a451a22d58de" ], "d1b0bbd6-54ce-41c4-9952-409feb4d3491": [ "7cb865d2-188a-4884-8905-a451a22d58de" ], "c7bcf7b2-c3a9-46b5-a2aa-4c481aaeb8b6": [ "7cb865d2-188a-4884-8905-a451a22d58de" ], "e6a648fa-0e85-40f3-b92e-f5689cf99ec3": [ "7cb865d2-188a-4884-8905-a451a22d58de" ], "736b38d9-fb86-47e3-bea8-a6e0ddc4e811": [ "7cb865d2-188a-4884-8905-a451a22d58de" ], "7a7e0103-49aa-48ad-ae38-7a26ccfdabc7": [ "7cb865d2-188a-4884-8905-a451a22d58de" ], "38599f3d-2401-41b0-9bc4-983965f2e7f5": [ "7cb865d2-188a-4884-8905-a451a22d58de" ], "f8c106aa-abe3-488b-b6bd-2955f3c476c1": [ "7cb865d2-188a-4884-8905-a451a22d58de" ], "712fd4eb-bc2b-45aa-ba0c-02dcd96f8cf5": [ "befab530-da43-4aca-b4fc-692b7e77355a" ], "139f5d14-536a-4f8a-ba0a-e01c37f00087": [ "befab530-da43-4aca-b4fc-692b7e77355a" ], "0621dd03-c047-432f-81f2-1e152b2b3e2a": [ "befab530-da43-4aca-b4fc-692b7e77355a" ], "0c00aa30-3175-4187-bdf0-3d9c03e6ba6c": [ "befab530-da43-4aca-b4fc-692b7e77355a" ], "0d1290d8-f3ec-4844-8737-730d72a79b73": [ "befab530-da43-4aca-b4fc-692b7e77355a" ], "0cba0e21-96e3-46ba-be0a-5f297a1969e4": [ "befab530-da43-4aca-b4fc-692b7e77355a" ], "ceab10f1-b636-4dd3-9ea0-4f45bb44c9f2": [ "befab530-da43-4aca-b4fc-692b7e77355a" ], "42689670-1023-425b-b116-2f9ab9fe19c7": [ "befab530-da43-4aca-b4fc-692b7e77355a" ], "21706421-e40d-471e-90f9-4b061113eb62": [ "befab530-da43-4aca-b4fc-692b7e77355a" ], "5f2d7d4c-bbce-4dca-8bb7-42c5c59ad8eb": [ "befab530-da43-4aca-b4fc-692b7e77355a" ], "0915bee8-3724-40c4-a5a2-a99fe8722e99": [ "617801e9-3f4c-4ff8-a57b-0d4803b95a87" ], "931644d7-0016-4549-b656-a72fa2315b0a": [ "617801e9-3f4c-4ff8-a57b-0d4803b95a87" ], "f6cece76-f4bc-4681-bd5c-bc681a621d75": [ "617801e9-3f4c-4ff8-a57b-0d4803b95a87" ], "13a19bac-3c9d-4a1a-81d4-287f0c1d839d": [ "617801e9-3f4c-4ff8-a57b-0d4803b95a87" ], "4740e6a1-39cd-46c1-8f8a-864dc63af950": [ "617801e9-3f4c-4ff8-a57b-0d4803b95a87" ], "f76d7262-856c-414e-8098-976e15ef241c": [ "617801e9-3f4c-4ff8-a57b-0d4803b95a87" ], "15c24106-566c-4383-9b3c-ae6016aee4b2": [ "617801e9-3f4c-4ff8-a57b-0d4803b95a87" ], "2181004f-e2cf-4a1b-986b-b5638880bcfb": [ "617801e9-3f4c-4ff8-a57b-0d4803b95a87" ], "149f8369-6f00-4fa7-975c-1d89b6e95253": [ "617801e9-3f4c-4ff8-a57b-0d4803b95a87" ], "a08d9c6a-4413-49b1-9b1f-9f19ffd12c84": [ "617801e9-3f4c-4ff8-a57b-0d4803b95a87" ], "aa279823-d185-4d2d-b061-87920c5b7eb0": [ "b72140bd-4e06-4420-873b-147c4713c07b" ], "99c6b447-a01b-4bb2-a9af-7a78513f8b74": [ "b72140bd-4e06-4420-873b-147c4713c07b" ], "08635208-206b-4081-93d9-88d614f962a2": [ "b72140bd-4e06-4420-873b-147c4713c07b" ], "b477d83b-4f07-4c93-ab8b-d648904a35d5": [ "b72140bd-4e06-4420-873b-147c4713c07b" ], "51747ebd-55b3-41f2-a9be-0e77f24702f2": [ "b72140bd-4e06-4420-873b-147c4713c07b" ], "d584cd2a-23b9-4e3c-82d7-d1866b0bc822": [ "b72140bd-4e06-4420-873b-147c4713c07b" ], "1655e7f8-9ea7-40ea-ba66-34119727d65d": [ "b72140bd-4e06-4420-873b-147c4713c07b" ], "37d0fbb2-aa4d-4dea-96f5-8d260f5d6bc4": [ "b72140bd-4e06-4420-873b-147c4713c07b" ], "44bb0790-8db9-4e6c-b5ae-ca02716e56ee": [ "b72140bd-4e06-4420-873b-147c4713c07b" ], "c69c1e0d-3045-4014-ae4a-9b5e9c7b0595": [ "b72140bd-4e06-4420-873b-147c4713c07b" ], "8ae9da5d-893f-424f-8636-d4c0cee20c6e": [ "f58578ca-64dd-4d7e-b853-a5080d428b56" ], "b02f9b4c-dbbe-4e7b-8cd5-9d538fe0eb8d": [ "f58578ca-64dd-4d7e-b853-a5080d428b56" ], "c8894d1a-df0b-45f4-8c28-8f162f869793": [ "f58578ca-64dd-4d7e-b853-a5080d428b56" ], "7096ff31-beb7-4aa8-9b2d-0a27448dd8ae": [ "f58578ca-64dd-4d7e-b853-a5080d428b56" ], "95cfd988-fece-44a9-ada2-66c22879c328": [ "f58578ca-64dd-4d7e-b853-a5080d428b56" ], "003bbb0f-b78f-472f-9f49-ebb800b12c77": [ "f58578ca-64dd-4d7e-b853-a5080d428b56" ], "8544d069-bf0f-4224-9156-a2f84044f517": [ "f58578ca-64dd-4d7e-b853-a5080d428b56" ], "97a9185f-f4ca-46e9-a313-164f0350be15": [ "f58578ca-64dd-4d7e-b853-a5080d428b56" ], "abff22cc-b0f2-484f-b3ba-237793815239": [ "f58578ca-64dd-4d7e-b853-a5080d428b56" ], "95d42cba-7e62-4a33-a3bb-d394b13ae9a2": [ "f58578ca-64dd-4d7e-b853-a5080d428b56" ], "6030d355-3e95-4819-972c-a22f0f39cbd3": [ "ed2cf255-1d3c-44d1-a41e-d356743aa2ae" ], "4611646f-a3cb-447e-bf95-4493af7e01b3": [ "ed2cf255-1d3c-44d1-a41e-d356743aa2ae" ], "eb16acc4-96c8-4e23-a249-dfc05cfd07ee": [ "ed2cf255-1d3c-44d1-a41e-d356743aa2ae" ], "21352661-cc9e-4949-818a-c6f50dd9376d": [ "ed2cf255-1d3c-44d1-a41e-d356743aa2ae" ], "ad68f4e3-0a73-4dba-a53b-9f570fd756fa": [ "ed2cf255-1d3c-44d1-a41e-d356743aa2ae" ], "41199f30-b738-4b8e-b2bf-0a046c20bb30": [ "ed2cf255-1d3c-44d1-a41e-d356743aa2ae" ], "146b83d8-3b11-49db-9559-4a32daac71ef": [ "ed2cf255-1d3c-44d1-a41e-d356743aa2ae" ], "79bd3b1f-4eb1-44c8-b439-c3127dd461c0": [ "ed2cf255-1d3c-44d1-a41e-d356743aa2ae" ], "3348d9b2-9f59-4153-acdd-9f9079a5d545": [ "ed2cf255-1d3c-44d1-a41e-d356743aa2ae" ], "a353824d-fc53-457e-8fbb-4495c3e4f788": [ "ed2cf255-1d3c-44d1-a41e-d356743aa2ae" ], "9718d490-812e-4a67-aff1-0072e8f169df": [ "c244e119-5de8-4c45-8932-83aa40c1e6b3" ], "883a93a8-8ba0-4f3f-b20d-3971658b5b07": [ "c244e119-5de8-4c45-8932-83aa40c1e6b3" ], "de5ebd10-0dec-4fb9-96ca-84fd2c643931": [ "c244e119-5de8-4c45-8932-83aa40c1e6b3" ], "f10ce120-3700-4dff-905e-08ece3b45d90": [ "c244e119-5de8-4c45-8932-83aa40c1e6b3" ], "caaee936-ec12-40d1-98e9-80c561c5c935": [ "c244e119-5de8-4c45-8932-83aa40c1e6b3" ], "44ee4508-54de-40b7-987f-9497839830d9": [ "c244e119-5de8-4c45-8932-83aa40c1e6b3" ], "8a6088c6-66d6-4318-95e4-4ed5e19737b0": [ "c244e119-5de8-4c45-8932-83aa40c1e6b3" ], "60a2dcfb-46c2-4db4-a72a-557572ccd0b5": [ "c244e119-5de8-4c45-8932-83aa40c1e6b3" ], "bf8c207c-1d62-487f-8879-4820251600af": [ "c244e119-5de8-4c45-8932-83aa40c1e6b3" ], "9ea5ef88-faf7-47d4-9133-9d64c0e0b620": [ "c244e119-5de8-4c45-8932-83aa40c1e6b3" ], "b525ce86-34a2-433c-a72e-e312f61331f6": [ "7b5048c5-03e1-4f3a-b672-93b0d425dfcc" ], "13a598e0-7915-44e7-8002-981d9c4dc629": [ "7b5048c5-03e1-4f3a-b672-93b0d425dfcc" ], "833ac0d7-cefb-4d43-a00a-ed929573dce9": [ "7b5048c5-03e1-4f3a-b672-93b0d425dfcc" ], "e4464fce-4c44-4151-ace1-edd4c1b6a962": [ "7b5048c5-03e1-4f3a-b672-93b0d425dfcc" ], "0caebb27-332b-497f-9636-a073cbc0d604": [ "7b5048c5-03e1-4f3a-b672-93b0d425dfcc" ], "829d5cb4-7c4e-49a9-a90c-abbb174088b2": [ "7b5048c5-03e1-4f3a-b672-93b0d425dfcc" ], "f21ea74b-a967-4523-a643-71a787d61682": [ "7b5048c5-03e1-4f3a-b672-93b0d425dfcc" ], "8aa23db1-c27f-4366-9dad-b9c02ae4fe77": [ "7b5048c5-03e1-4f3a-b672-93b0d425dfcc" ], "bcd9563b-3371-4608-bb46-3b132051dedc": [ "7b5048c5-03e1-4f3a-b672-93b0d425dfcc" ], "462ceeac-78fc-46af-a7bf-e63ede7cd1a9": [ "7b5048c5-03e1-4f3a-b672-93b0d425dfcc" ], "70159abf-87ce-4d5c-9eb7-2499e5b82ff7": [ "fe5051d1-a38e-4d40-9be8-b589507fb162" ], "d391dff0-e680-4bbd-870b-d97eea7206fe": [ "fe5051d1-a38e-4d40-9be8-b589507fb162" ], "69817cb1-def1-4720-95be-212a44cbb647": [ "fe5051d1-a38e-4d40-9be8-b589507fb162" ], "c8818723-292e-4520-ac01-f178298b5230": [ "fe5051d1-a38e-4d40-9be8-b589507fb162" ], "38c10242-f972-44b5-ab43-846186838c1d": [ "fe5051d1-a38e-4d40-9be8-b589507fb162" ], "2d1a3130-28e1-4755-b6ea-d6bf73afe4b9": [ "fe5051d1-a38e-4d40-9be8-b589507fb162" ], "b9a85bab-5728-4305-bc2b-12707a6d75b2": [ "fe5051d1-a38e-4d40-9be8-b589507fb162" ], "57ed4f43-4b84-4579-ac0f-8abc82769eab": [ "fe5051d1-a38e-4d40-9be8-b589507fb162" ], "cbb7d63d-3987-486e-aa70-de17ae2c29f3": [ "fe5051d1-a38e-4d40-9be8-b589507fb162" ], "2c152d04-7949-4a25-94e8-87009f5d0299": [ "fe5051d1-a38e-4d40-9be8-b589507fb162" ], "e0c12b22-6ee3-49f0-ac50-0a30cf724bc1": [ "a8d19229-d43c-46c3-a97c-3408efce3bd7" ], "c9ff42c1-443b-47dd-89a7-9e01db261a51": [ "a8d19229-d43c-46c3-a97c-3408efce3bd7" ], "25328583-c27f-43ad-a5ef-edaa3ea83f5a": [ "a8d19229-d43c-46c3-a97c-3408efce3bd7" ], "3073dff9-dbce-4b09-af76-5fc87730b96b": [ "a8d19229-d43c-46c3-a97c-3408efce3bd7" ], "b373d610-663b-46f3-be15-2daefc88ec96": [ "a8d19229-d43c-46c3-a97c-3408efce3bd7" ], "6bcfdc50-8a66-48b0-9101-67b64984c91d": [ "a8d19229-d43c-46c3-a97c-3408efce3bd7" ], "500f4ab0-9aae-4a6f-83cc-5985d0183994": [ "a8d19229-d43c-46c3-a97c-3408efce3bd7" ], "23b5c737-5290-4734-8e39-dbbb73d0b6a5": [ "a8d19229-d43c-46c3-a97c-3408efce3bd7" ], "ffd1d2c8-131b-4ee2-a298-a45961062b9e": [ "a8d19229-d43c-46c3-a97c-3408efce3bd7" ], "38d63321-c39c-46b8-9991-d371a8a316d0": [ "a8d19229-d43c-46c3-a97c-3408efce3bd7" ], "6963046c-32f2-4986-9bcd-3da31983c7ad": [ "b384c853-5379-4f8f-b92b-344dacb912e9" ], "0fb54682-f936-4abc-a4d2-17deeb56d069": [ "b384c853-5379-4f8f-b92b-344dacb912e9" ], "5dc14a33-58a6-41c5-aeee-737b042542b6": [ "b384c853-5379-4f8f-b92b-344dacb912e9" ], "4bfe803a-875d-4d68-b3a1-7d287f6f71e3": [ "b384c853-5379-4f8f-b92b-344dacb912e9" ], "03324da6-6f7c-4897-87ca-e01b3600345c": [ "b384c853-5379-4f8f-b92b-344dacb912e9" ], "a15c2d29-b4d6-43c4-aea7-bd5b05f1dd72": [ "b384c853-5379-4f8f-b92b-344dacb912e9" ], "8676466f-0ab6-46c6-a017-8dc594c38851": [ "b384c853-5379-4f8f-b92b-344dacb912e9" ], "e34b993c-9825-4f2a-9a4e-e407a357005c": [ "b384c853-5379-4f8f-b92b-344dacb912e9" ], "71d5cab4-a238-4ce0-81e1-ab3e636d4a3f": [ "b384c853-5379-4f8f-b92b-344dacb912e9" ], "55e992a0-3534-4796-93af-d53105541ca0": [ "b384c853-5379-4f8f-b92b-344dacb912e9" ], "7bd1c322-0162-46cf-a4be-bb2fc8e77982": [ "c1db3553-30f0-4b33-9de8-fdfd78a78831" ], "2629223f-10d4-4e1b-8e81-51523e8e9557": [ "c1db3553-30f0-4b33-9de8-fdfd78a78831" ], "4dbb403f-5f7a-4a85-b44d-cdd684452c06": [ "c1db3553-30f0-4b33-9de8-fdfd78a78831" ], "d42a27ad-a84e-4b9a-821f-d57291006dee": [ "c1db3553-30f0-4b33-9de8-fdfd78a78831" ], "a1fc589e-96b5-4d4a-bfcf-b13c61845cda": [ "c1db3553-30f0-4b33-9de8-fdfd78a78831" ], "b345ddbd-97f2-43ef-a35f-0dd1c8433d96": [ "c1db3553-30f0-4b33-9de8-fdfd78a78831" ], "52de895b-b9d6-473d-8c32-af138414de83": [ "c1db3553-30f0-4b33-9de8-fdfd78a78831" ], "c537ee96-6140-4eaa-91a7-1fdf63e330d4": [ "c1db3553-30f0-4b33-9de8-fdfd78a78831" ], "057f1544-8ad7-4098-b983-5a0a7799f8f5": [ "c1db3553-30f0-4b33-9de8-fdfd78a78831" ], "1ec3a4a8-98ca-45a2-86b5-833e4f4afe2d": [ "c1db3553-30f0-4b33-9de8-fdfd78a78831" ], "d6c26f38-9cf3-457e-8366-c570eb8f558a": [ "48e47060-9fa1-4f52-ab2d-1fb083172188" ], "43c2fc04-852e-45db-973f-c4df88a12e54": [ "48e47060-9fa1-4f52-ab2d-1fb083172188" ], "8fe47162-c255-40e3-95bd-20166fc3abbb": [ "48e47060-9fa1-4f52-ab2d-1fb083172188" ], "01d8421b-f880-4196-a8d8-7ce03e471fc4": [ "48e47060-9fa1-4f52-ab2d-1fb083172188" ], "41b29c2d-4dd2-449c-bf96-21827ab2fc9e": [ "48e47060-9fa1-4f52-ab2d-1fb083172188" ], "5830ae04-a389-4f80-8143-48b9e5feb192": [ "48e47060-9fa1-4f52-ab2d-1fb083172188" ], "a645e77e-b657-487a-88d2-00419c98d675": [ "48e47060-9fa1-4f52-ab2d-1fb083172188" ], "defe3e6d-9ee7-44ca-a81a-ac8e55d2eca4": [ "48e47060-9fa1-4f52-ab2d-1fb083172188" ], "cdb300a7-60a9-4429-aa3e-0f1ac8851bb3": [ "48e47060-9fa1-4f52-ab2d-1fb083172188" ], "7605562b-49ae-4bac-b776-5e4702abac4b": [ "48e47060-9fa1-4f52-ab2d-1fb083172188" ], "01f29a0b-238d-4ede-aba2-d950512c4b63": [ "4780681b-dcd9-4bf1-a115-29842a5abe7a" ], "ee1b3cd5-3075-498b-b0c3-bdb60ccd138e": [ "4780681b-dcd9-4bf1-a115-29842a5abe7a" ], "06f45d3b-8cdd-4637-9ab0-734d81553efb": [ "4780681b-dcd9-4bf1-a115-29842a5abe7a" ], "d24f6f3f-b573-45b7-b637-ccd65cc135dd": [ "4780681b-dcd9-4bf1-a115-29842a5abe7a" ], "6d8d2412-9b5c-4e5d-b2e6-1eac748bb992": [ "4780681b-dcd9-4bf1-a115-29842a5abe7a" ], "e420d0e8-1b38-47e1-a79a-4934ad514aeb": [ "4780681b-dcd9-4bf1-a115-29842a5abe7a" ], "7e38eb5a-f13b-4e52-9a16-4c84f87fedad": [ "4780681b-dcd9-4bf1-a115-29842a5abe7a" ], "6efeeda9-bb8c-4d0c-a8ac-473fb525864f": [ "4780681b-dcd9-4bf1-a115-29842a5abe7a" ], "5e97822e-fdd1-4c91-9c0e-33ea1ade6db2": [ "4780681b-dcd9-4bf1-a115-29842a5abe7a" ], "e3206454-12cb-4f2f-9995-2ed89f18a33d": [ "4780681b-dcd9-4bf1-a115-29842a5abe7a" ], "c3ca0570-368c-45c2-9403-f091643bcdfe": [ "01457eed-b11f-4265-ac10-7bb276202d7c" ], "f4905446-037f-497b-a83f-9806ee260ded": [ "01457eed-b11f-4265-ac10-7bb276202d7c" ], "08800da5-9499-45f5-a08e-6faf1d0e65df": [ "01457eed-b11f-4265-ac10-7bb276202d7c" ], "8e5813e9-60ff-4b5d-92cb-0030f7efafa8": [ "01457eed-b11f-4265-ac10-7bb276202d7c" ], "ffc3f6e5-4bbc-4972-84b8-d175780bbe41": [ "01457eed-b11f-4265-ac10-7bb276202d7c" ], "6dc77835-3530-4134-8e1f-e6cbc6dc8403": [ "01457eed-b11f-4265-ac10-7bb276202d7c" ], "92f3f1f7-6f56-4bf0-8a49-e01eacdb4efd": [ "01457eed-b11f-4265-ac10-7bb276202d7c" ], "197d634c-2f87-4262-b4e1-2bdfccbc98fe": [ "01457eed-b11f-4265-ac10-7bb276202d7c" ], "766bff01-10ae-4a70-b64b-aae5b10cb42c": [ "01457eed-b11f-4265-ac10-7bb276202d7c" ], "74275473-d890-4025-8a23-3de87446dc28": [ "01457eed-b11f-4265-ac10-7bb276202d7c" ], "939c289f-2642-4566-a52a-bd65c592945f": [ "c1827806-7db5-4034-a9bb-c96c3b2a9012" ], "022f42da-1f8f-4ff1-8611-5369411281e8": [ "c1827806-7db5-4034-a9bb-c96c3b2a9012" ], "85663c82-1a6f-4ed0-894a-8924bd1442ad": [ "c1827806-7db5-4034-a9bb-c96c3b2a9012" ], "176e53f8-cc83-4ad1-be39-5c9ee0e9639a": [ "c1827806-7db5-4034-a9bb-c96c3b2a9012" ], "42367e51-5911-4ab0-a04e-a3fdaf19f09f": [ "c1827806-7db5-4034-a9bb-c96c3b2a9012" ], "4f4ae76c-4d91-45ee-8992-f8960f2696f4": [ "c1827806-7db5-4034-a9bb-c96c3b2a9012" ], "809b5b68-18b1-4cf9-8827-4589046b46b8": [ "c1827806-7db5-4034-a9bb-c96c3b2a9012" ], "b4a80a85-fe23-4abf-80c4-97741531545b": [ "c1827806-7db5-4034-a9bb-c96c3b2a9012" ], "8ce0a1bf-504d-4455-93b0-d3e455293a5f": [ "c1827806-7db5-4034-a9bb-c96c3b2a9012" ], "22fe5014-173a-4cf2-a225-276f64f96365": [ "c1827806-7db5-4034-a9bb-c96c3b2a9012" ], "6d335e7c-9c15-4400-a6b4-e88c73d2a932": [ "c1e63494-8b75-4896-a61a-52d33b2bf70a" ], "0a8f9b88-0b12-4fbf-a938-6ece17dcda84": [ "c1e63494-8b75-4896-a61a-52d33b2bf70a" ], "18e84922-532e-488a-b596-147e2f785d8c": [ "c1e63494-8b75-4896-a61a-52d33b2bf70a" ], "76476d57-9e53-42ac-adca-419b1bbc2d68": [ "c1e63494-8b75-4896-a61a-52d33b2bf70a" ], "742e2321-56bc-4ae0-bbff-9760a79a8c82": [ "c1e63494-8b75-4896-a61a-52d33b2bf70a" ], "b2fa377e-22cf-40e9-9e95-aa57f3ca6e74": [ "c1e63494-8b75-4896-a61a-52d33b2bf70a" ], "0b7f6c0b-746e-4bdf-b6f0-ebb296bf8c0c": [ "c1e63494-8b75-4896-a61a-52d33b2bf70a" ], "6c88a563-1cf5-4a0b-a11d-c3778ed2e872": [ "c1e63494-8b75-4896-a61a-52d33b2bf70a" ], "29776edd-3110-4ac6-aa85-d573bb8ee1c8": [ "c1e63494-8b75-4896-a61a-52d33b2bf70a" ], "60ea16d8-2870-42fa-9207-a1d8369f2c0d": [ "c1e63494-8b75-4896-a61a-52d33b2bf70a" ], "005a1fcf-911d-45d7-ae46-80ecf6450977": [ "02776fe0-aed1-43b1-978e-2c49f91324ee" ], "815f455a-8a38-478b-a6a5-4cb1f431c1a7": [ "02776fe0-aed1-43b1-978e-2c49f91324ee" ], "44088035-8760-41a7-ab38-77738f0d0d25": [ "02776fe0-aed1-43b1-978e-2c49f91324ee" ], "42f7ad1e-ea6c-4283-8c0c-ecf9a680793e": [ "02776fe0-aed1-43b1-978e-2c49f91324ee" ], "a02a8c84-8bc3-4c91-b456-c02f0ca9f603": [ "02776fe0-aed1-43b1-978e-2c49f91324ee" ], "e87e55ed-5ccc-451f-b1ba-3d7da30b4ed0": [ "02776fe0-aed1-43b1-978e-2c49f91324ee" ], "af0e0b39-424a-4553-931b-193a5e73d30f": [ "02776fe0-aed1-43b1-978e-2c49f91324ee" ], "5c627111-a774-4fcc-a27c-b39fa4104806": [ "02776fe0-aed1-43b1-978e-2c49f91324ee" ], "0656c151-b586-4be4-957d-2afd4c485029": [ "02776fe0-aed1-43b1-978e-2c49f91324ee" ], "4f7dffb7-9a9d-40a1-a0e6-4d8f7764b88b": [ "02776fe0-aed1-43b1-978e-2c49f91324ee" ], "c9e39b87-9fe5-4334-9b66-859e677f78fc": [ "2ace39d6-6d7e-4d04-b540-0fce576b262f" ], "e696cc48-9bb5-4785-a9b1-f66274de61fb": [ "2ace39d6-6d7e-4d04-b540-0fce576b262f" ], "ab653cc5-74b5-4fa3-9128-523c2a3ab35f": [ "2ace39d6-6d7e-4d04-b540-0fce576b262f" ], "ac274b71-de0d-4cec-97f6-5ee40c458096": [ "2ace39d6-6d7e-4d04-b540-0fce576b262f" ], "750488f2-f3d4-4a7c-9bff-15f90fb393fd": [ "2ace39d6-6d7e-4d04-b540-0fce576b262f" ], "d71a2037-0802-4f4a-902d-52097753907b": [ "2ace39d6-6d7e-4d04-b540-0fce576b262f" ], "92a8c291-a71c-4980-aa6d-5652b3c5f2ea": [ "2ace39d6-6d7e-4d04-b540-0fce576b262f" ], "b7502f82-4e3e-46aa-9e90-80ce720bda32": [ "2ace39d6-6d7e-4d04-b540-0fce576b262f" ], "1469b190-c2b6-41db-9c10-e15bd263f4ab": [ "2ace39d6-6d7e-4d04-b540-0fce576b262f" ], "ffe85ae8-e56b-4eb4-8a66-0e8101df429c": [ "2ace39d6-6d7e-4d04-b540-0fce576b262f" ], "37a122db-125e-411c-b9f3-1b6189f8a8ab": [ "67f35ca5-4251-4a6c-8338-0afb9e44878d" ], "e047e4c3-9857-4d2a-8994-2baffd515be1": [ "67f35ca5-4251-4a6c-8338-0afb9e44878d" ], "4490c03a-fa80-4e00-b024-94c3acad7b49": [ "67f35ca5-4251-4a6c-8338-0afb9e44878d" ], "d11cc24b-9490-48fa-8c08-2ca7c75a45be": [ "67f35ca5-4251-4a6c-8338-0afb9e44878d" ], "af455458-dfc2-4b47-8fef-e7bf9f2096a7": [ "67f35ca5-4251-4a6c-8338-0afb9e44878d" ], "76d91591-9472-4e04-87ac-933f3b365d61": [ "67f35ca5-4251-4a6c-8338-0afb9e44878d" ], "53f106f4-54f8-48f6-967b-ba28b1d1fc12": [ "67f35ca5-4251-4a6c-8338-0afb9e44878d" ], "b88c46e7-3e10-4515-ae47-9458c91a3561": [ "67f35ca5-4251-4a6c-8338-0afb9e44878d" ], "7bfa96cb-382b-4ab9-81ae-cd9ae7a39431": [ "67f35ca5-4251-4a6c-8338-0afb9e44878d" ], "dc69514f-7559-44dd-a4bf-276ddfdf170d": [ "67f35ca5-4251-4a6c-8338-0afb9e44878d" ], "5b9f1943-51cc-424f-a0da-15f6ae51073c": [ "fda6d619-711b-449f-a151-2b604dcd2c6a" ], "fe326184-994f-4b4c-95e6-7a2c6e0ddb35": [ "fda6d619-711b-449f-a151-2b604dcd2c6a" ], "65093db2-ef28-436e-b7d5-623fc1bac6a3": [ "fda6d619-711b-449f-a151-2b604dcd2c6a" ], "ee54778b-e48e-46c4-80cb-d5a17e6ef8ec": [ "fda6d619-711b-449f-a151-2b604dcd2c6a" ], "154b1ea3-10df-4527-b734-81af6d0ca7fc": [ "fda6d619-711b-449f-a151-2b604dcd2c6a" ], "8a318253-0141-469e-ba34-c5c2e267d62c": [ "fda6d619-711b-449f-a151-2b604dcd2c6a" ], "8bc41e2f-8054-4f1e-98f0-1a0edc3ae81f": [ "fda6d619-711b-449f-a151-2b604dcd2c6a" ], "d2c8d443-f34e-4d6d-9fd5-b626be923cc4": [ "fda6d619-711b-449f-a151-2b604dcd2c6a" ], "fe65e40b-fe43-420f-a57c-0b74c9fd83e5": [ "fda6d619-711b-449f-a151-2b604dcd2c6a" ], "99c18b87-1cb6-475c-9d50-a8ce7fc48a52": [ "fda6d619-711b-449f-a151-2b604dcd2c6a" ], "bfadf2e0-03bd-4105-99bf-631628013969": [ "d1ed6b14-ae38-45e5-bd81-29fa50f53f79" ], "92513313-99a8-46f6-affd-edb39bd20bdc": [ "d1ed6b14-ae38-45e5-bd81-29fa50f53f79" ], "943966b6-71f5-4f6a-a0ff-55353a91b5e8": [ "d1ed6b14-ae38-45e5-bd81-29fa50f53f79" ], "071a146e-82b2-43fd-86f6-0ccc283b4c9a": [ "d1ed6b14-ae38-45e5-bd81-29fa50f53f79" ], "ef5518a6-1b43-4d0e-8e75-2fb98ed49cb4": [ "d1ed6b14-ae38-45e5-bd81-29fa50f53f79" ], "fd4600c8-498d-4d72-98a9-81c378eaadf8": [ "d1ed6b14-ae38-45e5-bd81-29fa50f53f79" ], "33cca767-20be-48b7-8a3d-724d69d53308": [ "d1ed6b14-ae38-45e5-bd81-29fa50f53f79" ], "d1ba76f1-4755-44d3-9a0b-d55243f054be": [ "d1ed6b14-ae38-45e5-bd81-29fa50f53f79" ], "86934008-9f31-4951-a545-c4a8140c8695": [ "d1ed6b14-ae38-45e5-bd81-29fa50f53f79" ], "3fcfd6dd-9022-4ee9-bb7a-d87298406ab2": [ "d1ed6b14-ae38-45e5-bd81-29fa50f53f79" ], "40020deb-3d92-41a9-a6ca-6abc65c708bd": [ "f3473406-fa6b-429c-b1be-742972fa7ffa" ], "4e4e3317-f230-4257-ba3d-bdc217ca23aa": [ "f3473406-fa6b-429c-b1be-742972fa7ffa" ], "9fc288a9-8f5d-4a3d-84f4-cd2f85724d1e": [ "f3473406-fa6b-429c-b1be-742972fa7ffa" ], "43aedefd-24ef-4a4e-a746-29e771561c00": [ "f3473406-fa6b-429c-b1be-742972fa7ffa" ], "8a4a73b8-68f0-4ec2-b23c-2b5bed9172ff": [ "f3473406-fa6b-429c-b1be-742972fa7ffa" ], "87592545-255b-4e22-a4c7-5526a4989b09": [ "f3473406-fa6b-429c-b1be-742972fa7ffa" ], "a20ce697-6ba7-4b9d-82ed-53afa8869727": [ "f3473406-fa6b-429c-b1be-742972fa7ffa" ], "a64d3170-e757-47b5-b330-bf73ae82c95e": [ "f3473406-fa6b-429c-b1be-742972fa7ffa" ], "c41b6634-bbfc-4a5e-985c-ef7dc8fe8ec8": [ "f3473406-fa6b-429c-b1be-742972fa7ffa" ], "df14b76e-0c4e-4e14-b0bb-c41ec177550d": [ "f3473406-fa6b-429c-b1be-742972fa7ffa" ], "ab00c5e1-9fc0-472b-b02e-3fe363595534": [ "2589e482-9b28-42d8-a55b-0d246eae6c68" ], "c8b72c50-e3d1-44f2-8d28-06fca25312c7": [ "2589e482-9b28-42d8-a55b-0d246eae6c68" ], "edd1506d-8909-4622-b56c-44cb28bfe580": [ "2589e482-9b28-42d8-a55b-0d246eae6c68" ], "495a4de8-212f-4e6e-bee7-3b26662dc78d": [ "2589e482-9b28-42d8-a55b-0d246eae6c68" ], "6b78d9f6-202a-4f6b-8592-2e0098734169": [ "2589e482-9b28-42d8-a55b-0d246eae6c68" ], "6c7633c1-517a-4ebd-a2d0-16ac5553cb7d": [ "2589e482-9b28-42d8-a55b-0d246eae6c68" ], "237bc939-93d6-4bbc-bc1c-71bf44afeb1b": [ "2589e482-9b28-42d8-a55b-0d246eae6c68" ], "66e195f1-32d0-4ae7-9955-4b0477b35b80": [ "2589e482-9b28-42d8-a55b-0d246eae6c68" ], "c6304063-e97a-4ae1-af5b-28bc38f3dad6": [ "2589e482-9b28-42d8-a55b-0d246eae6c68" ], "7bd4aeac-f2e9-40ba-b8fc-cf9862232aa4": [ "2589e482-9b28-42d8-a55b-0d246eae6c68" ], "cde897b2-ac4e-4bce-8e3a-e5521ee21cf8": [ "a179607f-9f18-46ea-ac3f-e42683ae9b2f" ], "5499f9c9-b82d-4d2b-9290-eb369b383174": [ "a179607f-9f18-46ea-ac3f-e42683ae9b2f" ], "6ba4745d-0af5-480b-b37c-b7aaee74a8e0": [ "a179607f-9f18-46ea-ac3f-e42683ae9b2f" ], "b9bf546f-766b-411d-8fa0-0934978213be": [ "a179607f-9f18-46ea-ac3f-e42683ae9b2f" ], "ed257ed8-d5d2-4c46-ba24-ca6a4852e371": [ "a179607f-9f18-46ea-ac3f-e42683ae9b2f" ], "ed0ceaa6-9d13-44dc-b79f-c12ca59cb931": [ "a179607f-9f18-46ea-ac3f-e42683ae9b2f" ], "ebdf704c-ba2e-422e-82f0-5f12c1423eac": [ "a179607f-9f18-46ea-ac3f-e42683ae9b2f" ], "771d531c-0548-4cb2-8bfe-0fb935a13362": [ "a179607f-9f18-46ea-ac3f-e42683ae9b2f" ], "a08ebab1-2374-4775-a7b7-8ae511e6afec": [ "a179607f-9f18-46ea-ac3f-e42683ae9b2f" ], "ef0dd96d-5efb-4079-ab2c-fd80428695a7": [ "a179607f-9f18-46ea-ac3f-e42683ae9b2f" ], "b2e23547-7517-4d24-80d1-15768a643106": [ "1604071e-eab9-43c9-b2d0-addfe2225c73" ], "ccd3f9b0-c194-4fff-84da-b7a087393b2c": [ "1604071e-eab9-43c9-b2d0-addfe2225c73" ], "09534f30-27f8-4d36-ac3d-53832df2531c": [ "1604071e-eab9-43c9-b2d0-addfe2225c73" ], "c7860c65-3999-4740-a866-e1c0e3f0b757": [ "1604071e-eab9-43c9-b2d0-addfe2225c73" ], "053424e8-31f3-46b4-a0bc-630534345b54": [ "1604071e-eab9-43c9-b2d0-addfe2225c73" ], "31b9dd02-1686-46e7-86f7-bb34607c3b5a": [ "1604071e-eab9-43c9-b2d0-addfe2225c73" ], "830fa154-b700-45a9-9aeb-d232ec3ec0ea": [ "1604071e-eab9-43c9-b2d0-addfe2225c73" ], "c6e0f75c-ed10-43af-b76d-171e130dc085": [ "1604071e-eab9-43c9-b2d0-addfe2225c73" ], "f497bc2a-239b-4898-97df-a5fbfab4125b": [ "1604071e-eab9-43c9-b2d0-addfe2225c73" ], "30c22f45-a112-446c-ae7a-368b5db7a260": [ "1604071e-eab9-43c9-b2d0-addfe2225c73" ], "7840d5c9-3342-48bf-ab6a-4ba19c4e8d34": [ "0d231057-4bc5-404a-a06a-86e8734221d4" ], "48abcb6c-dbf7-4aef-a20b-e0157f74cdf7": [ "0d231057-4bc5-404a-a06a-86e8734221d4" ], "5eca29bd-dd52-44e4-a774-a06d77f38a31": [ "0d231057-4bc5-404a-a06a-86e8734221d4" ], "3e2b5e87-0803-4709-8059-5bbe8ff36660": [ "0d231057-4bc5-404a-a06a-86e8734221d4" ], "027c7f94-d9f8-4a46-848d-0a741ba51514": [ "0d231057-4bc5-404a-a06a-86e8734221d4" ], "150beb66-d522-4f34-bb03-0723beeacfbd": [ "0d231057-4bc5-404a-a06a-86e8734221d4" ], "a5b6dea8-632a-4c82-b993-9e6422de6264": [ "0d231057-4bc5-404a-a06a-86e8734221d4" ], "7c9612f5-c863-49d7-8182-eefe81b05380": [ "0d231057-4bc5-404a-a06a-86e8734221d4" ], "a5b4b443-c093-476b-855c-546ef669ba54": [ "0d231057-4bc5-404a-a06a-86e8734221d4" ], "c74af40b-5fc3-4569-96be-d37b088d1639": [ "0d231057-4bc5-404a-a06a-86e8734221d4" ], "70021d48-ba3c-4e2a-b7f7-0e167393376f": [ "17f6aa45-9652-4b1b-a0bb-154e6bf08ffb" ], "12eedec5-3636-4b92-90e0-3b363812a403": [ "17f6aa45-9652-4b1b-a0bb-154e6bf08ffb" ], "0c41d54a-be20-482c-bbaf-87f45fa3055d": [ "17f6aa45-9652-4b1b-a0bb-154e6bf08ffb" ], "50c92e97-552b-4b13-8c5a-9a03dbd77a02": [ "17f6aa45-9652-4b1b-a0bb-154e6bf08ffb" ], "86e6b877-b1fd-4626-b011-d106a5727f1a": [ "17f6aa45-9652-4b1b-a0bb-154e6bf08ffb" ], "7c77ea05-c099-4548-a1be-3e9045ad8676": [ "17f6aa45-9652-4b1b-a0bb-154e6bf08ffb" ], "1b3ce8c6-08fb-43bd-b040-0f1efa187a98": [ "17f6aa45-9652-4b1b-a0bb-154e6bf08ffb" ], "88c719a7-8812-4f9c-bdad-ba756aa7f609": [ "17f6aa45-9652-4b1b-a0bb-154e6bf08ffb" ], "60267fee-f26e-4dfc-8673-64a7144cd2be": [ "17f6aa45-9652-4b1b-a0bb-154e6bf08ffb" ], "52abe4e6-7244-428b-abc1-e021ba0e6fb4": [ "17f6aa45-9652-4b1b-a0bb-154e6bf08ffb" ], "f06b82d1-f53a-4e52-9330-f472b5a9672d": [ "2c7536d9-57d0-4c58-94ac-2bc4a8321f5a" ], "5529cc13-64f0-4c04-91e1-705eed153259": [ "2c7536d9-57d0-4c58-94ac-2bc4a8321f5a" ], "25c16134-35b3-49e3-8430-7ec427681de0": [ "2c7536d9-57d0-4c58-94ac-2bc4a8321f5a" ], "2916909c-8a53-43e4-a649-b5d8a5ad2752": [ "2c7536d9-57d0-4c58-94ac-2bc4a8321f5a" ], "556ef7d2-426c-4a28-b935-801e1d76b622": [ "2c7536d9-57d0-4c58-94ac-2bc4a8321f5a" ], "628b7a25-0d58-448d-81e1-c853f7102d05": [ "2c7536d9-57d0-4c58-94ac-2bc4a8321f5a" ], "584cbc80-4ef3-4285-9e2b-680a219a2cc3": [ "2c7536d9-57d0-4c58-94ac-2bc4a8321f5a" ], "9d85778a-64cb-4849-93a6-bb0f60bcd46d": [ "2c7536d9-57d0-4c58-94ac-2bc4a8321f5a" ], "f29a4d44-d061-43af-872c-8b73331ba6b6": [ "2c7536d9-57d0-4c58-94ac-2bc4a8321f5a" ], "a27f0fac-cd2e-4669-aa06-d08b9bacfdaf": [ "2c7536d9-57d0-4c58-94ac-2bc4a8321f5a" ], "284d7d8e-abda-430e-8b24-e0ae2473eaf6": [ "8e80d77c-ebb4-4188-a0d8-5358bb90760f" ], "75ca8661-1a5d-42dd-ad79-811bee7fa160": [ "8e80d77c-ebb4-4188-a0d8-5358bb90760f" ], "37deaf42-94d6-4063-bfc6-76d01c8063a5": [ "8e80d77c-ebb4-4188-a0d8-5358bb90760f" ], "7c4ec249-6f8a-4f34-9ad3-f2b9fa3af0d9": [ "8e80d77c-ebb4-4188-a0d8-5358bb90760f" ], "9dab7769-bd6a-44e4-b3e9-b296bcefb6f6": [ "8e80d77c-ebb4-4188-a0d8-5358bb90760f" ], "747bbbcf-31d0-4a54-af98-8391031275eb": [ "8e80d77c-ebb4-4188-a0d8-5358bb90760f" ], "5449555e-f13d-4205-94d2-2b9450300212": [ "8e80d77c-ebb4-4188-a0d8-5358bb90760f" ], "3a1e0aee-5205-4248-b438-64cdd77f3fe1": [ "8e80d77c-ebb4-4188-a0d8-5358bb90760f" ], "674a9b2d-3952-4be9-b552-d841e1d7a32a": [ "8e80d77c-ebb4-4188-a0d8-5358bb90760f" ], "bce6fd1c-55f2-4c8e-aa34-eb9fac8c2217": [ "8e80d77c-ebb4-4188-a0d8-5358bb90760f" ], "354eab43-d485-4865-b974-a83b8e337f85": [ "f84d1562-33fe-4d7a-8109-4cf7216f3be1" ], "be9dbdd3-7bcf-4a08-95de-453352841016": [ "f84d1562-33fe-4d7a-8109-4cf7216f3be1" ], "5f58de4a-2e6d-4a16-8630-b66f1fc7550c": [ "f84d1562-33fe-4d7a-8109-4cf7216f3be1" ], "49015337-018a-4a8b-8c77-1ba636e7a445": [ "f84d1562-33fe-4d7a-8109-4cf7216f3be1" ], "fde7f2c0-0a9f-4ae2-8c2b-46e3d292c3f7": [ "f84d1562-33fe-4d7a-8109-4cf7216f3be1" ], "e1385d86-1d7f-4486-82e0-b46d0b875868": [ "f84d1562-33fe-4d7a-8109-4cf7216f3be1" ], "b5fa3d02-7b7d-4179-98b2-e81ec85a144e": [ "f84d1562-33fe-4d7a-8109-4cf7216f3be1" ], "b43d9176-7edb-47d1-a39e-00a7332e6eb9": [ "f84d1562-33fe-4d7a-8109-4cf7216f3be1" ], "8530aa4a-c7a8-4d4f-a817-e28f85219178": [ "f84d1562-33fe-4d7a-8109-4cf7216f3be1" ], "49d82569-0300-4134-a32a-1b9a95bc8b4b": [ "f84d1562-33fe-4d7a-8109-4cf7216f3be1" ], "304ff5d6-bbc1-4807-ab86-41d46dcbecc7": [ "2b329651-228a-448e-8193-efca8e394c16" ], "20352365-0fe1-477a-af78-6f985d26564e": [ "2b329651-228a-448e-8193-efca8e394c16" ], "c63f5a36-9464-4eea-96ef-11cd68d809bd": [ "2b329651-228a-448e-8193-efca8e394c16" ], "009faea6-ea65-47c0-bee3-23447c443162": [ "2b329651-228a-448e-8193-efca8e394c16" ], "04f7514e-54bf-481f-9e3f-ad2dd1b3b0c9": [ "2b329651-228a-448e-8193-efca8e394c16" ], "3e9a7be7-cb9f-407c-9ecd-8aeaf17e2b9a": [ "2b329651-228a-448e-8193-efca8e394c16" ], "7bc55dd3-f12d-4e6f-aaa8-cd8c79c270c7": [ "2b329651-228a-448e-8193-efca8e394c16" ], "63b0ece3-e7cd-4130-bd3a-6877359f4f44": [ "2b329651-228a-448e-8193-efca8e394c16" ], "60a1c74d-fbc6-48ab-93b7-92aebae0dded": [ "2b329651-228a-448e-8193-efca8e394c16" ], "5e915ac4-a54c-4408-ac1f-820b5084aadd": [ "2b329651-228a-448e-8193-efca8e394c16" ], "642cef0d-c516-40cc-9ad4-2ce0f44c99a1": [ "f8321585-d2cc-4e13-8d12-ef1bc7c13610" ], "0372492f-5d3d-45e0-b592-5313ddb340d7": [ "f8321585-d2cc-4e13-8d12-ef1bc7c13610" ], "7fb06a50-1afd-44f3-90d8-8a8e8139f148": [ "f8321585-d2cc-4e13-8d12-ef1bc7c13610" ], "61257f01-f888-494c-940d-98a91b001d9f": [ "f8321585-d2cc-4e13-8d12-ef1bc7c13610" ], "eaf559ac-c959-4837-800b-21d3c19efdc3": [ "f8321585-d2cc-4e13-8d12-ef1bc7c13610" ], "e559d059-657f-4607-9591-f05085505d65": [ "f8321585-d2cc-4e13-8d12-ef1bc7c13610" ], "6b5dc017-d7fa-4be6-af1e-3f9961860670": [ "f8321585-d2cc-4e13-8d12-ef1bc7c13610" ], "e3ebe3ae-8629-45bf-8406-d697b99f92f4": [ "f8321585-d2cc-4e13-8d12-ef1bc7c13610" ], "8539e39a-62d7-4dc3-a493-95a4cbc210f8": [ "f8321585-d2cc-4e13-8d12-ef1bc7c13610" ], "165621c9-1ec8-415d-aff1-d3502d296a74": [ "f8321585-d2cc-4e13-8d12-ef1bc7c13610" ], "dff37c98-b93d-4d84-b058-eb44e02df08c": [ "009a1fda-cf10-4615-bd17-aa595116a456" ], "27953337-5f78-40d9-95b8-ee7f47cb2ec4": [ "009a1fda-cf10-4615-bd17-aa595116a456" ], "e8560a55-e0d2-46ef-a250-5fe808d79b29": [ "009a1fda-cf10-4615-bd17-aa595116a456" ], "743ab0dc-a49e-438e-96d2-e2da705a5883": [ "009a1fda-cf10-4615-bd17-aa595116a456" ], "5c3f2a84-5412-4f95-9c69-b10b6c3bfb4a": [ "009a1fda-cf10-4615-bd17-aa595116a456" ], "60871f08-3df9-4afc-93e7-77c9b573d227": [ "009a1fda-cf10-4615-bd17-aa595116a456" ], "720c112a-04fd-4293-9ebd-8675d820fa86": [ "009a1fda-cf10-4615-bd17-aa595116a456" ], "5ac47db1-b578-4dc0-beee-cf38e46e9ac0": [ "009a1fda-cf10-4615-bd17-aa595116a456" ], "11a617d8-fb11-49e9-87e1-028935a190da": [ "009a1fda-cf10-4615-bd17-aa595116a456" ], "4a7e473a-e52c-4ad9-808a-2aa54044ff11": [ "009a1fda-cf10-4615-bd17-aa595116a456" ], "d3d2a9d8-0a39-49ec-bbe4-c209bfa26655": [ "e9d78f48-c6df-4456-ad25-8618407b7d12" ], "ec435541-bc2d-4045-ae6c-aa0c9a61d22a": [ "e9d78f48-c6df-4456-ad25-8618407b7d12" ], "df422db2-d828-40ed-91c3-e816ae841b0e": [ "e9d78f48-c6df-4456-ad25-8618407b7d12" ], "613d3f97-4256-46fd-9fa9-d7fe23da2552": [ "e9d78f48-c6df-4456-ad25-8618407b7d12" ], "5126a7b2-5af4-4d19-8618-13b363152cd9": [ "e9d78f48-c6df-4456-ad25-8618407b7d12" ], "e56c5867-5434-4290-8b90-d35a25c8b65f": [ "e9d78f48-c6df-4456-ad25-8618407b7d12" ], "3888e345-64df-4a49-bddb-51dcf85ca472": [ "e9d78f48-c6df-4456-ad25-8618407b7d12" ], "a66e9d2a-bf56-4376-94f0-5b4fa2c48096": [ "e9d78f48-c6df-4456-ad25-8618407b7d12" ], "cc161c02-1135-42b8-a9c0-221c2e631add": [ "e9d78f48-c6df-4456-ad25-8618407b7d12" ], "7c0040b0-af86-419c-baf7-5748b8070004": [ "e9d78f48-c6df-4456-ad25-8618407b7d12" ], "f2200879-19f8-4cef-a108-ca65fcaadeca": [ "acb2fc05-d465-4cf5-ab48-584e27dd3759" ], "fa5390e1-0c52-40d1-808b-3e1be32ab781": [ "acb2fc05-d465-4cf5-ab48-584e27dd3759" ], "12bea98a-514c-4a74-9a8e-ec1605f01b12": [ "acb2fc05-d465-4cf5-ab48-584e27dd3759" ], "be05649e-404b-4be9-9b15-0c18498924cf": [ "acb2fc05-d465-4cf5-ab48-584e27dd3759" ], "8c1214e9-b208-4c7b-95d3-d26e166c4dff": [ "acb2fc05-d465-4cf5-ab48-584e27dd3759" ], "d1fbfbcb-86b4-429b-bf95-fc3466236ce4": [ "acb2fc05-d465-4cf5-ab48-584e27dd3759" ], "8f012b0f-4f2d-4413-8951-65abec80429f": [ "acb2fc05-d465-4cf5-ab48-584e27dd3759" ], "56c25399-4611-4dbf-9705-ae0bc6ce574c": [ "acb2fc05-d465-4cf5-ab48-584e27dd3759" ], "6f39f5e9-a933-4aaf-a496-aeacbf403268": [ "acb2fc05-d465-4cf5-ab48-584e27dd3759" ], "ce5b00da-7689-44ba-acae-3c3620764ffc": [ "acb2fc05-d465-4cf5-ab48-584e27dd3759" ], "f31e4245-3d15-46fe-bc74-2a48ccbda1f0": [ "2aeb57e9-5cdf-4376-b6a8-dc3b6dd2673a" ], "1759b924-8276-4b12-a332-e211501ac16d": [ "2aeb57e9-5cdf-4376-b6a8-dc3b6dd2673a" ], "d1c0898d-512e-4d76-99f0-4744281ad660": [ "2aeb57e9-5cdf-4376-b6a8-dc3b6dd2673a" ], "6e7c4ec1-13e4-4494-a0b5-6530fb3d9056": [ "2aeb57e9-5cdf-4376-b6a8-dc3b6dd2673a" ], "8ab89730-9635-4669-be31-1ae6dd81cd26": [ "2aeb57e9-5cdf-4376-b6a8-dc3b6dd2673a" ], "3ce3d442-c27a-4620-ac0e-dddc7e17dd13": [ "2aeb57e9-5cdf-4376-b6a8-dc3b6dd2673a" ], "0629f397-75d7-4227-8dbc-45cafd2aea8f": [ "2aeb57e9-5cdf-4376-b6a8-dc3b6dd2673a" ], "facceeef-766d-4885-a906-0839c027168f": [ "2aeb57e9-5cdf-4376-b6a8-dc3b6dd2673a" ], "8f7c5543-ce9f-4629-8c18-ab93f04c49d2": [ "2aeb57e9-5cdf-4376-b6a8-dc3b6dd2673a" ], "04d42526-440a-46d2-85f8-047248ab52f2": [ "2aeb57e9-5cdf-4376-b6a8-dc3b6dd2673a" ], "86d2a13f-8834-41e9-b47a-b491811c3e88": [ "f82049df-252e-456a-8dba-7cececb3dcc9" ], "fc33146d-3671-46ce-ae6c-01e393b09d81": [ "f82049df-252e-456a-8dba-7cececb3dcc9" ], "e24572f8-d9fc-4bff-98c4-f9f78be39c2d": [ "f82049df-252e-456a-8dba-7cececb3dcc9" ], "ead887cd-6bc8-4d11-bff5-b7bc09733ab6": [ "f82049df-252e-456a-8dba-7cececb3dcc9" ], "625fe773-5ea4-4fff-a4d0-14211e70830d": [ "f82049df-252e-456a-8dba-7cececb3dcc9" ], "dab0dd18-03e8-4416-bedb-77b92127e42d": [ "f82049df-252e-456a-8dba-7cececb3dcc9" ], "ccac3413-8e14-49f8-ac87-f6a8880f2b94": [ "f82049df-252e-456a-8dba-7cececb3dcc9" ], "8ec6cf45-8096-4d39-80a9-b9746bbab977": [ "f82049df-252e-456a-8dba-7cececb3dcc9" ], "64c09322-2271-4222-9505-a4726c4e26de": [ "f82049df-252e-456a-8dba-7cececb3dcc9" ], "aa49c857-793b-43ed-8d72-6a853447e371": [ "f82049df-252e-456a-8dba-7cececb3dcc9" ], "5ddd756b-16bb-426c-8ec3-64dd3207a675": [ "57a20397-0fd5-4ec3-b6fc-bd2d2da69db8" ], "bd0bf604-f410-4015-a7ad-d940ff889edc": [ "57a20397-0fd5-4ec3-b6fc-bd2d2da69db8" ], "fd43bd58-7842-46e6-a5dd-8e7862aee7a9": [ "57a20397-0fd5-4ec3-b6fc-bd2d2da69db8" ], "d612e3e0-3d69-4417-bfd9-c93f8c0698eb": [ "57a20397-0fd5-4ec3-b6fc-bd2d2da69db8" ], "dfeb4b23-216e-465a-81dc-f775d6d95a1f": [ "57a20397-0fd5-4ec3-b6fc-bd2d2da69db8" ], "cccd9d20-079e-4466-93b8-f9a3f9061fc2": [ "57a20397-0fd5-4ec3-b6fc-bd2d2da69db8" ], "f10dc6ae-c5cf-40b5-996c-f3be99e534b8": [ "57a20397-0fd5-4ec3-b6fc-bd2d2da69db8" ], "e0a85cca-c10f-451d-98e2-ee1d49dcbaef": [ "57a20397-0fd5-4ec3-b6fc-bd2d2da69db8" ], "4e5cf01b-ab02-4b39-9ceb-f81fd16909f1": [ "57a20397-0fd5-4ec3-b6fc-bd2d2da69db8" ], "c634186d-c478-4762-bcb2-deb9bdb6d4f6": [ "57a20397-0fd5-4ec3-b6fc-bd2d2da69db8" ], "fd3e8dea-0b5b-42c0-ba4b-47cd3591eec6": [ "bcfda7f1-cbbd-477a-830b-196da52b8e4e" ], "a1a37d6c-1e69-4f0a-840a-061237ca222d": [ "bcfda7f1-cbbd-477a-830b-196da52b8e4e" ], "5f9e745a-3eb9-447f-b042-93b0b582b128": [ "bcfda7f1-cbbd-477a-830b-196da52b8e4e" ], "83f5bd29-fc20-494c-a06b-55affd6fe3fa": [ "bcfda7f1-cbbd-477a-830b-196da52b8e4e" ], "dfc87455-e02f-46ee-bdb8-82bafbc7898e": [ "bcfda7f1-cbbd-477a-830b-196da52b8e4e" ], "d2b57c92-d915-4d01-941a-59e10670bd4d": [ "bcfda7f1-cbbd-477a-830b-196da52b8e4e" ], "9fb023a9-4824-466a-a928-ffeb4a66990a": [ "bcfda7f1-cbbd-477a-830b-196da52b8e4e" ], "adc72c02-3819-4f69-9106-ad10b55a60d8": [ "bcfda7f1-cbbd-477a-830b-196da52b8e4e" ], "a948f95b-eafe-4bf9-add6-9e40c0a6c32c": [ "bcfda7f1-cbbd-477a-830b-196da52b8e4e" ], "c403441b-1099-4d3c-868b-802e48809a06": [ "bcfda7f1-cbbd-477a-830b-196da52b8e4e" ], "68697870-e7a0-469a-be65-b46ff0efb927": [ "6e8e2c10-e659-4c51-8939-1ac87ea82fef" ], "830765c1-a7ee-4eee-85a4-1460e552b6a2": [ "6e8e2c10-e659-4c51-8939-1ac87ea82fef" ], "8bb2287c-6f86-4254-b7b8-7ec1e96ace33": [ "6e8e2c10-e659-4c51-8939-1ac87ea82fef" ], "674424a0-f6cd-4c6f-ba7d-a401fd17af69": [ "6e8e2c10-e659-4c51-8939-1ac87ea82fef" ], "d92ea5dc-580c-4d4c-a98a-f71b352bf553": [ "6e8e2c10-e659-4c51-8939-1ac87ea82fef" ], "00c78323-77a6-43cf-b8e1-8c6747e75254": [ "6e8e2c10-e659-4c51-8939-1ac87ea82fef" ], "4f72ed7e-18ee-4695-849c-59bab98b6606": [ "6e8e2c10-e659-4c51-8939-1ac87ea82fef" ], "66e2262a-a9b1-40a3-befd-5fb5698ed82c": [ "6e8e2c10-e659-4c51-8939-1ac87ea82fef" ], "cc521f1a-369c-4ac5-920f-4c43b29433f4": [ "6e8e2c10-e659-4c51-8939-1ac87ea82fef" ], "9326af6d-cf72-4f7d-8089-433878ee7c3c": [ "6e8e2c10-e659-4c51-8939-1ac87ea82fef" ], "614fb655-43f8-4a37-83d9-0ba873aac4d6": [ "c0fef585-6fee-419b-b27f-68d9308c4cb2" ], "4cc63988-858f-4cc9-aa0e-654dfbb5de01": [ "c0fef585-6fee-419b-b27f-68d9308c4cb2" ], "53ebab9f-ce68-4e2f-b23a-3baa03f54b70": [ "c0fef585-6fee-419b-b27f-68d9308c4cb2" ], "809a4831-8682-4b43-b3a5-3c19666077e3": [ "c0fef585-6fee-419b-b27f-68d9308c4cb2" ], "bf9093a5-cdf9-43c7-9854-26cac6657070": [ "c0fef585-6fee-419b-b27f-68d9308c4cb2" ], "9e0df4a6-5d99-4eea-b172-c80c6187237a": [ "c0fef585-6fee-419b-b27f-68d9308c4cb2" ], "e3a79f44-441d-459b-b9ea-bcfc63219813": [ "c0fef585-6fee-419b-b27f-68d9308c4cb2" ], "f99e0248-2a2a-41d0-97bd-901db5f7a17d": [ "c0fef585-6fee-419b-b27f-68d9308c4cb2" ], "a24a107e-9afc-4815-ab1a-1a699dc317e9": [ "c0fef585-6fee-419b-b27f-68d9308c4cb2" ], "fd4fb8e0-2a94-4583-aca3-7462d1dca785": [ "c0fef585-6fee-419b-b27f-68d9308c4cb2" ], "18ce214a-14d9-47d5-8f18-4e88bf4242a4": [ "c582b493-16ee-451c-8e4c-840646c953b5" ], "f810be7a-03b5-4a0e-b9a9-39bd004824a5": [ "c582b493-16ee-451c-8e4c-840646c953b5" ], "5ddfa1c9-90b0-4a48-af71-f33a9e894a88": [ "c582b493-16ee-451c-8e4c-840646c953b5" ], "40608bb4-1ae3-4a03-af87-7db62f0afe1d": [ "c582b493-16ee-451c-8e4c-840646c953b5" ], "c8361dd9-c398-429d-8903-0c9573a4e4a7": [ "c582b493-16ee-451c-8e4c-840646c953b5" ], "79d6a52c-24a5-4d88-aded-52ea970644dd": [ "c582b493-16ee-451c-8e4c-840646c953b5" ], "f53f6605-1242-4d95-8e46-a9e2127a5f93": [ "c582b493-16ee-451c-8e4c-840646c953b5" ], "35e51b2b-27ce-426f-8740-71c68a26ea3d": [ "c582b493-16ee-451c-8e4c-840646c953b5" ], "6c7dcfdb-034f-44be-b8fb-835e4f680ab5": [ "c582b493-16ee-451c-8e4c-840646c953b5" ], "5e40c749-9284-4b43-9d78-1f2b6bd9e3f4": [ "c582b493-16ee-451c-8e4c-840646c953b5" ], "ca666724-e8d2-492b-afa1-10ce975ff156": [ "0fa605b2-f6ea-445b-8ac0-65ee442b92e9" ], "3d36827c-1cdb-4109-9b48-26f063992b06": [ "0fa605b2-f6ea-445b-8ac0-65ee442b92e9" ], "5fff6590-fcba-49b2-9de9-f0d4831c5bff": [ "0fa605b2-f6ea-445b-8ac0-65ee442b92e9" ], "db01723a-5914-4652-9946-56775ee323eb": [ "0fa605b2-f6ea-445b-8ac0-65ee442b92e9" ], "12818f04-ade9-468a-8fc0-db9ea3f312c4": [ "0fa605b2-f6ea-445b-8ac0-65ee442b92e9" ], "81637eb0-9155-4716-be6b-f21d445e46bb": [ "0fa605b2-f6ea-445b-8ac0-65ee442b92e9" ], "b988195a-88f6-4c49-9546-af7c6c3b2a0b": [ "0fa605b2-f6ea-445b-8ac0-65ee442b92e9" ], "cbe4c27d-0b7e-4b1a-85ba-1018911b75cc": [ "0fa605b2-f6ea-445b-8ac0-65ee442b92e9" ], "2c77c758-50af-4ec7-aa7c-6ca0ee49a2e3": [ "0fa605b2-f6ea-445b-8ac0-65ee442b92e9" ], "e30261ad-21f6-481a-b442-73ee2d451c2f": [ "0fa605b2-f6ea-445b-8ac0-65ee442b92e9" ], "57f5cf84-318d-400c-ad12-630fd7dfe32e": [ "32b62a95-c57a-4670-960a-3a1aeead1d95" ], "b078bc28-5b36-470d-b4b0-326019583246": [ "32b62a95-c57a-4670-960a-3a1aeead1d95" ], "068c54f9-87f8-4c0a-bf56-66d41a6ec8bf": [ "32b62a95-c57a-4670-960a-3a1aeead1d95" ], "54c13d3f-475b-483f-9240-bade6d81abd5": [ "32b62a95-c57a-4670-960a-3a1aeead1d95" ], "bd9bebd5-390a-46aa-8c99-9eb5fa9a822f": [ "32b62a95-c57a-4670-960a-3a1aeead1d95" ], "eb794fd8-a67f-4993-bbc9-d7da65eab33a": [ "32b62a95-c57a-4670-960a-3a1aeead1d95" ], "a8fc9deb-1520-444a-8831-ee58632bafbd": [ "32b62a95-c57a-4670-960a-3a1aeead1d95" ], "c3515bb0-fc57-4d1e-ae60-3e451e6b8d0a": [ "32b62a95-c57a-4670-960a-3a1aeead1d95" ], "37e00fcc-2af1-4f23-a112-c0114db0fc5b": [ "32b62a95-c57a-4670-960a-3a1aeead1d95" ], "017534f3-f7a5-4ab5-ab11-2f9b6779706e": [ "32b62a95-c57a-4670-960a-3a1aeead1d95" ], "e9e16ca2-195c-402a-aec5-0d3a5b1e12ed": [ "4fe22ee6-0855-407d-a327-2c12493375aa" ], "e5afdc35-664a-4369-b9b0-9fb82fb8ec85": [ "4fe22ee6-0855-407d-a327-2c12493375aa" ], "78bad390-9569-443d-912d-b198caa0d7a2": [ "4fe22ee6-0855-407d-a327-2c12493375aa" ], "f797e9d7-5be5-436b-88d4-5ad984427c6a": [ "4fe22ee6-0855-407d-a327-2c12493375aa" ], "454047ee-e236-4b9c-97ad-45ad2f53221d": [ "4fe22ee6-0855-407d-a327-2c12493375aa" ], "7278425e-57a9-470c-90ec-431a4a7f1a97": [ "4fe22ee6-0855-407d-a327-2c12493375aa" ], "c4dffb08-c8b1-4ffd-859e-f81b3bb1c0f1": [ "4fe22ee6-0855-407d-a327-2c12493375aa" ], "039119cf-97ee-4600-8a4c-922e4d877b38": [ "4fe22ee6-0855-407d-a327-2c12493375aa" ], "6eea26b9-3562-4a60-a608-9c155fc378af": [ "4fe22ee6-0855-407d-a327-2c12493375aa" ], "873f40ea-1ead-45af-92d8-1bf61f6307a3": [ "4fe22ee6-0855-407d-a327-2c12493375aa" ], "528f2971-ae73-4acd-8ed4-decff7e03184": [ "58930dc6-ca27-4e74-ac96-2aedde9b3aa9" ], "7e76771e-17b7-468f-8f02-722307b314da": [ "58930dc6-ca27-4e74-ac96-2aedde9b3aa9" ], "a34a318b-5211-444a-9849-fd41a5ec6910": [ "58930dc6-ca27-4e74-ac96-2aedde9b3aa9" ], "7ef6ecfa-a201-47af-911a-3fcaa56ad7f5": [ "58930dc6-ca27-4e74-ac96-2aedde9b3aa9" ], "cd6b2d61-53de-457b-9ef0-fed48786f8a3": [ "58930dc6-ca27-4e74-ac96-2aedde9b3aa9" ], "5ab20968-b555-4b62-8f92-36dff5d9a17a": [ "58930dc6-ca27-4e74-ac96-2aedde9b3aa9" ], "b26fde21-351b-4e1b-af96-ef8a915ee12b": [ "58930dc6-ca27-4e74-ac96-2aedde9b3aa9" ], "ecd94920-cac7-492b-a43e-0a5047220955": [ "58930dc6-ca27-4e74-ac96-2aedde9b3aa9" ], "891c6317-2a5c-4660-aca8-28a54882ac42": [ "58930dc6-ca27-4e74-ac96-2aedde9b3aa9" ], "a395a555-c76f-4a45-9c55-dd73c89b75ad": [ "58930dc6-ca27-4e74-ac96-2aedde9b3aa9" ], "6988facf-5f2b-45eb-97ea-37422ce5db73": [ "e5f2fa98-a786-46ec-969a-c6cde9301756" ], "2a7c5ae2-7a24-4c33-801c-4ccfb439337a": [ "e5f2fa98-a786-46ec-969a-c6cde9301756" ], "49e54597-adf6-4713-8a73-adf69d0103da": [ "e5f2fa98-a786-46ec-969a-c6cde9301756" ], "3489acf1-e89f-45c7-a8c3-766f653c769e": [ "e5f2fa98-a786-46ec-969a-c6cde9301756" ], "726b8cfc-488a-43c4-b78c-d8b02037e951": [ "e5f2fa98-a786-46ec-969a-c6cde9301756" ], "7c47b78f-3e18-45b6-b62f-9a771d44cb62": [ "e5f2fa98-a786-46ec-969a-c6cde9301756" ], "143a0f6e-b034-45db-977c-6bd372cb6757": [ "e5f2fa98-a786-46ec-969a-c6cde9301756" ], "4ec81abf-15a8-40f8-8f9b-040dc8fe2316": [ "e5f2fa98-a786-46ec-969a-c6cde9301756" ], "537d3c49-4341-4c45-baf8-4d2912b6534f": [ "e5f2fa98-a786-46ec-969a-c6cde9301756" ], "a4805806-8315-43c0-9bf2-87421487d218": [ "e5f2fa98-a786-46ec-969a-c6cde9301756" ], "c86cc268-b716-4ebd-b165-df73d7e59bf6": [ "86adbfc7-1f99-48ad-9bc1-f773ad022347" ], "7e4f42a2-e870-447f-a8ec-beb29abd7197": [ "86adbfc7-1f99-48ad-9bc1-f773ad022347" ], "bda63dd9-5cec-4a05-8475-bfde35a78e79": [ "86adbfc7-1f99-48ad-9bc1-f773ad022347" ], "74d98470-7eb3-4980-b48b-2a96efe5d4c0": [ "86adbfc7-1f99-48ad-9bc1-f773ad022347" ], "9529f920-ba65-452d-8a50-4fb9f7336e8b": [ "86adbfc7-1f99-48ad-9bc1-f773ad022347" ], "567a4c29-98fc-47c8-9c9a-9d7b4c5cb9d9": [ "86adbfc7-1f99-48ad-9bc1-f773ad022347" ], "1db0bdbc-0088-4367-ab00-2ed02878e82f": [ "86adbfc7-1f99-48ad-9bc1-f773ad022347" ], "0e473003-8fff-463e-93ba-ca15919b6708": [ "86adbfc7-1f99-48ad-9bc1-f773ad022347" ], "3e1655eb-d368-4b64-86ed-33973bba1128": [ "86adbfc7-1f99-48ad-9bc1-f773ad022347" ], "cec36580-1f03-41c0-b06d-015410f10375": [ "86adbfc7-1f99-48ad-9bc1-f773ad022347" ], "183bcf15-e689-4396-ad7c-6f1506f8c575": [ "90b1013a-f300-4736-8ece-2c0c8aa7c4d0" ], "fccf3aab-c5de-4dd5-80d7-06f4d888d74e": [ "90b1013a-f300-4736-8ece-2c0c8aa7c4d0" ], "1d792773-2765-4a55-b4f7-da99b90cd209": [ "90b1013a-f300-4736-8ece-2c0c8aa7c4d0" ], "cf0194be-c446-489e-957a-3b8350dfec64": [ "90b1013a-f300-4736-8ece-2c0c8aa7c4d0" ], "aca1d70d-16af-41e7-91d0-3f00debd0cc9": [ "90b1013a-f300-4736-8ece-2c0c8aa7c4d0" ], "f2b4354e-26dc-433d-871f-9aff9d145a16": [ "90b1013a-f300-4736-8ece-2c0c8aa7c4d0" ], "819b4d3b-eb61-481a-a3a5-6e8dae62bfa0": [ "90b1013a-f300-4736-8ece-2c0c8aa7c4d0" ], "2708f9dd-07fd-4a87-98ca-a37af7eecfdb": [ "90b1013a-f300-4736-8ece-2c0c8aa7c4d0" ], "ec125420-e997-435a-91b1-07d52b653104": [ "90b1013a-f300-4736-8ece-2c0c8aa7c4d0" ], "81464e9b-90e4-4ace-8053-9b4889f56043": [ "90b1013a-f300-4736-8ece-2c0c8aa7c4d0" ], "47181624-a5dc-4080-a4dd-ea91c349d809": [ "e0802283-1300-48e4-8c95-c7591bc589cb" ], "058fe654-7f40-4185-b8d1-e4532ead6623": [ "e0802283-1300-48e4-8c95-c7591bc589cb" ], "111b9468-3d77-4ec0-a05b-4a149dabf76e": [ "e0802283-1300-48e4-8c95-c7591bc589cb" ], "e86d36b5-fbb8-420a-9948-7825922f1a3f": [ "e0802283-1300-48e4-8c95-c7591bc589cb" ], "6dd71d4e-eeaf-4066-ae11-ada18521ff07": [ "e0802283-1300-48e4-8c95-c7591bc589cb" ], "5c428a9c-2b2e-4e4a-8dee-20e7361a2b20": [ "e0802283-1300-48e4-8c95-c7591bc589cb" ], "00510373-b680-4416-ae93-87a5557296a4": [ "e0802283-1300-48e4-8c95-c7591bc589cb" ], "adfe0640-ae74-4510-b28b-30507fa6c487": [ "e0802283-1300-48e4-8c95-c7591bc589cb" ], "15cb6b1e-48f0-449f-a830-90453a6803ae": [ "e0802283-1300-48e4-8c95-c7591bc589cb" ], "70298d08-156d-4951-8d26-40cb159200d6": [ "e0802283-1300-48e4-8c95-c7591bc589cb" ], "44527601-4efd-42ff-b499-dde314616689": [ "f545f375-a755-44a0-a86c-fe5a5ffa5e3c" ], "d4a3ff5c-8379-4177-bf5f-330cb8973fb8": [ "f545f375-a755-44a0-a86c-fe5a5ffa5e3c" ], "3e88c75e-986e-415d-aaa9-60ba1d7d23a5": [ "f545f375-a755-44a0-a86c-fe5a5ffa5e3c" ], "0dc9b6d6-f7a0-43e5-ae29-5da2948299a9": [ "f545f375-a755-44a0-a86c-fe5a5ffa5e3c" ], "f0d32e26-83c3-42dd-882d-ba3cebbf0543": [ "f545f375-a755-44a0-a86c-fe5a5ffa5e3c" ], "005d9896-9bc7-4e83-8047-2b08bb3f844e": [ "f545f375-a755-44a0-a86c-fe5a5ffa5e3c" ], "22cc716b-0de2-41e4-b9aa-5a24a1f020fd": [ "f545f375-a755-44a0-a86c-fe5a5ffa5e3c" ], "0837735e-b248-4035-bf68-4761287c0ad6": [ "f545f375-a755-44a0-a86c-fe5a5ffa5e3c" ], "d2771f56-df0f-4889-8f40-f5b1e2db4a8d": [ "f545f375-a755-44a0-a86c-fe5a5ffa5e3c" ], "85abbb03-aef1-4990-af90-939337a8286f": [ "f545f375-a755-44a0-a86c-fe5a5ffa5e3c" ], "4aa47768-c345-427a-8774-d299e229554d": [ "865ca005-2ff6-4546-9f66-356eef72c4e8" ], "5e0db4ae-afb4-4ca2-b487-62f34b4ea67f": [ "865ca005-2ff6-4546-9f66-356eef72c4e8" ], "bb86ca51-9158-4806-b57a-ad7d4a723c37": [ "865ca005-2ff6-4546-9f66-356eef72c4e8" ], "9d191a44-6e1f-451f-a74c-333072d714d7": [ "865ca005-2ff6-4546-9f66-356eef72c4e8" ], "12b89a2d-4b5d-48a3-a9e2-017a7b372154": [ "865ca005-2ff6-4546-9f66-356eef72c4e8" ], "e39c8d6e-8852-41b8-b73e-d04fec80694e": [ "865ca005-2ff6-4546-9f66-356eef72c4e8" ], "1fa8d11b-5da3-44c3-bc31-8dcb1e953952": [ "865ca005-2ff6-4546-9f66-356eef72c4e8" ], "c457fe10-ce80-4303-be3d-5bed25253f8b": [ "865ca005-2ff6-4546-9f66-356eef72c4e8" ], "89801919-1e4e-401c-9c58-9cfbcbd686e8": [ "865ca005-2ff6-4546-9f66-356eef72c4e8" ], "a8e2e676-5ec5-4b55-a72d-7882634ca18f": [ "865ca005-2ff6-4546-9f66-356eef72c4e8" ], "b9c4e8c9-f822-4b37-b358-09637b3c41fc": [ "892b1de5-1e17-480a-9660-087f1494f8d3" ], "3d598ae2-bc7a-46b8-b012-d95f66ad6c72": [ "892b1de5-1e17-480a-9660-087f1494f8d3" ], "f523f6a4-198e-4207-9bed-79a6fa03c773": [ "892b1de5-1e17-480a-9660-087f1494f8d3" ], "b7fb280b-9b12-4a87-8727-822d60264006": [ "892b1de5-1e17-480a-9660-087f1494f8d3" ], "87ba5774-925e-4b33-9e5c-1fac88bdb092": [ "892b1de5-1e17-480a-9660-087f1494f8d3" ], "64c77609-aaf1-46e6-ac78-7062ddfc861f": [ "892b1de5-1e17-480a-9660-087f1494f8d3" ], "20aff129-2107-47f0-a8a0-a1ba5b7b6494": [ "892b1de5-1e17-480a-9660-087f1494f8d3" ], "71330200-56f3-4ddd-9fc3-6ec8b3dba146": [ "892b1de5-1e17-480a-9660-087f1494f8d3" ], "958a9f1e-e0f7-4632-9139-ef5054494406": [ "892b1de5-1e17-480a-9660-087f1494f8d3" ], "36e31787-d84c-4df0-a420-3acadd0b8aca": [ "892b1de5-1e17-480a-9660-087f1494f8d3" ], "aafb239d-a79d-4cc2-93ff-bd098e532256": [ "31fe14e5-2157-41a4-93c9-8af0cb25c805" ], "bd63a28f-df07-42f3-b111-8868025de71d": [ "31fe14e5-2157-41a4-93c9-8af0cb25c805" ], "a6b5d78c-9561-460c-a214-e744597a949f": [ "31fe14e5-2157-41a4-93c9-8af0cb25c805" ], "bdb2ead1-6bdd-4e03-a299-f794ece0e148": [ "31fe14e5-2157-41a4-93c9-8af0cb25c805" ], "a9e82525-9cba-4334-bd07-6c8328643b34": [ "31fe14e5-2157-41a4-93c9-8af0cb25c805" ], "bbc906ae-aeee-4393-a50e-1a611cd3a37a": [ "31fe14e5-2157-41a4-93c9-8af0cb25c805" ], "035f6215-6a5b-46f7-8105-12345ffd3fc7": [ "31fe14e5-2157-41a4-93c9-8af0cb25c805" ], "999440b3-8053-47b7-a5e6-e7ca3b3b72d1": [ "31fe14e5-2157-41a4-93c9-8af0cb25c805" ], "73b41870-bd0a-418d-b763-442782b4df82": [ "31fe14e5-2157-41a4-93c9-8af0cb25c805" ], "9f55e8ff-5426-4d4d-a7dc-c654a0882fe7": [ "31fe14e5-2157-41a4-93c9-8af0cb25c805" ], "9a360a2b-d1d2-480a-aed0-82f1c63f17ee": [ "b49fc197-d4f5-4a4c-b082-5b5f553cb012" ], "0bce4ccc-dcef-4d3c-b010-d8f239e58ce5": [ "b49fc197-d4f5-4a4c-b082-5b5f553cb012" ], "1da739d6-8fc1-4b8b-9fd8-344bac492897": [ "b49fc197-d4f5-4a4c-b082-5b5f553cb012" ], "ecbcbe38-827a-4904-bfb5-d014482064bb": [ "b49fc197-d4f5-4a4c-b082-5b5f553cb012" ], "15c7dc4b-16b5-4cfb-a11c-f808d9c5d8bb": [ "b49fc197-d4f5-4a4c-b082-5b5f553cb012" ], "b98e1f7b-ab33-4170-baf7-3ac6017374f8": [ "b49fc197-d4f5-4a4c-b082-5b5f553cb012" ], "f99f1490-1397-4f57-9293-de47952026ee": [ "b49fc197-d4f5-4a4c-b082-5b5f553cb012" ], "a7b9803d-f58a-43b1-8c66-7a1927b2ae61": [ "b49fc197-d4f5-4a4c-b082-5b5f553cb012" ], "67011e4f-defc-4042-b183-ff2e7c6f12a4": [ "b49fc197-d4f5-4a4c-b082-5b5f553cb012" ], "d10d4772-e663-4cee-9e76-69aa77f98c15": [ "b49fc197-d4f5-4a4c-b082-5b5f553cb012" ], "379de909-3bb2-46eb-bfb7-4bffaf76464b": [ "a5aee96f-a0be-402f-a93a-53ec73c1c1f7" ], "5a0a3271-c0b6-4483-b379-e24633968ec3": [ "a5aee96f-a0be-402f-a93a-53ec73c1c1f7" ], "a4a3294b-ff2f-49f4-a207-a2b85e1bbe3c": [ "a5aee96f-a0be-402f-a93a-53ec73c1c1f7" ], "81c20429-0c01-4971-b1ef-8c34ca4b11be": [ "a5aee96f-a0be-402f-a93a-53ec73c1c1f7" ], "a135e96d-391e-4434-a46d-8024843ce921": [ "a5aee96f-a0be-402f-a93a-53ec73c1c1f7" ], "4717e622-daa2-4d94-aa5c-60af0b98f2e0": [ "a5aee96f-a0be-402f-a93a-53ec73c1c1f7" ], "f5e21edd-c224-4ea8-af3a-93282c04f64b": [ "a5aee96f-a0be-402f-a93a-53ec73c1c1f7" ], "55b4b6dd-577a-4de4-b605-da6fdb9e630c": [ "a5aee96f-a0be-402f-a93a-53ec73c1c1f7" ], "185b1422-52ac-495b-a4bf-668da318e922": [ "a5aee96f-a0be-402f-a93a-53ec73c1c1f7" ], "725e2cf7-6386-4e17-a3f4-8c3ed1958469": [ "a5aee96f-a0be-402f-a93a-53ec73c1c1f7" ], "e0b65d9f-c094-4a39-8a69-636303e121c0": [ "bf3ec997-5603-495a-99a7-286b58ad83f8" ], "4b06db92-9e7b-47ea-a6a3-6e6794e75a58": [ "bf3ec997-5603-495a-99a7-286b58ad83f8" ], "2cca629b-4c82-41c5-ad63-6926b6ef6300": [ "bf3ec997-5603-495a-99a7-286b58ad83f8" ], "fcc4ea44-d671-4886-94ac-8126afcdf137": [ "bf3ec997-5603-495a-99a7-286b58ad83f8" ], "897f59eb-980b-462f-9575-15d1b48edd2b": [ "bf3ec997-5603-495a-99a7-286b58ad83f8" ], "f68a87e7-6398-459d-815c-f77642736da7": [ "bf3ec997-5603-495a-99a7-286b58ad83f8" ], "3e077b40-e285-497a-9e3b-2e5b7ac624f4": [ "bf3ec997-5603-495a-99a7-286b58ad83f8" ], "91536fda-85d9-4110-b81f-e8a63e1e1745": [ "bf3ec997-5603-495a-99a7-286b58ad83f8" ], "1fb36b42-8a17-44ed-9183-15ff0701068c": [ "bf3ec997-5603-495a-99a7-286b58ad83f8" ], "7c2deef9-ca25-4977-a9c0-ec34ff0d7573": [ "bf3ec997-5603-495a-99a7-286b58ad83f8" ], "680558ff-93d8-4e5f-ae9c-d0ba6769125e": [ "66090a60-c499-402b-bb94-cc9fe10d0a99" ], "6dabc27e-8dd3-4b02-a6c2-3f4f2b7ad5e1": [ "66090a60-c499-402b-bb94-cc9fe10d0a99" ], "56566372-eb8f-47be-8673-49d5e8ccd858": [ "66090a60-c499-402b-bb94-cc9fe10d0a99" ], "afbd2387-4726-48bd-8ef6-a2aa3c622864": [ "66090a60-c499-402b-bb94-cc9fe10d0a99" ], "b6a3b612-f1b8-4f17-b8b5-31be02dde715": [ "66090a60-c499-402b-bb94-cc9fe10d0a99" ], "1cfa57b8-afcd-4452-9a4a-59f0763e9b82": [ "66090a60-c499-402b-bb94-cc9fe10d0a99" ], "eeffbed7-12b0-4674-8211-ab60c275081b": [ "66090a60-c499-402b-bb94-cc9fe10d0a99" ], "5d130452-9f3c-49e0-8b3f-1f358cbb110c": [ "66090a60-c499-402b-bb94-cc9fe10d0a99" ], "a3706596-01ed-456d-a67b-4d9d70102058": [ "66090a60-c499-402b-bb94-cc9fe10d0a99" ], "56ec08fc-181c-4699-930e-eed7f26f76f3": [ "66090a60-c499-402b-bb94-cc9fe10d0a99" ], "facdeb31-1e1b-4f5d-b648-db753696fb68": [ "7552a828-e6af-4d28-bf62-036a9f783859" ], "91934b67-d45e-41e3-93b0-7374059a4bdb": [ "7552a828-e6af-4d28-bf62-036a9f783859" ], "3549444f-e5e7-4bef-8a15-8b0b8d36cd0d": [ "7552a828-e6af-4d28-bf62-036a9f783859" ], "5aeb0e65-85f9-443b-8a38-bdc817a8d886": [ "7552a828-e6af-4d28-bf62-036a9f783859" ], "57e404e6-18d9-425a-a57a-917f9dadc146": [ "7552a828-e6af-4d28-bf62-036a9f783859" ], "16a0f26d-7433-41bc-afcb-d6e3d21d017a": [ "7552a828-e6af-4d28-bf62-036a9f783859" ], "78c64687-ecb6-4b60-a83e-42c69ba4fabf": [ "7552a828-e6af-4d28-bf62-036a9f783859" ], "40bb174c-4be6-43c4-a21e-d2c6ea0280b3": [ "7552a828-e6af-4d28-bf62-036a9f783859" ], "65f02826-bb6c-4ce2-94b0-cfc4b8c15162": [ "7552a828-e6af-4d28-bf62-036a9f783859" ], "fa56d3d3-84f5-40b0-b008-4443b412173a": [ "7552a828-e6af-4d28-bf62-036a9f783859" ], "9cdcb610-b628-417a-a784-e357cd73357f": [ "9924be9b-6168-418c-9827-56e21fe3219e" ], "a8625a81-776f-4354-a50f-ede5e8da6574": [ "9924be9b-6168-418c-9827-56e21fe3219e" ], "eb633f80-4d77-4e30-bc03-6bbd6375d69f": [ "9924be9b-6168-418c-9827-56e21fe3219e" ], "df7390f2-508a-45a2-b247-7540f2935546": [ "9924be9b-6168-418c-9827-56e21fe3219e" ], "6c44ddbe-7f45-4163-b92b-b9a8a0fb5b98": [ "9924be9b-6168-418c-9827-56e21fe3219e" ], "5104a18f-4c55-4188-a7c3-044fe32996ca": [ "9924be9b-6168-418c-9827-56e21fe3219e" ], "3f8583ea-1148-4e20-852e-e18d4061f242": [ "9924be9b-6168-418c-9827-56e21fe3219e" ], "d92fb0d1-38f1-4e61-ae63-8ffb35b4cffa": [ "9924be9b-6168-418c-9827-56e21fe3219e" ], "0d121ae8-f05b-44a2-b9e8-8b685277ba36": [ "9924be9b-6168-418c-9827-56e21fe3219e" ], "b2df38ac-20a0-48ef-a4c3-3826d48f3b1a": [ "9924be9b-6168-418c-9827-56e21fe3219e" ], "4ce17884-7d45-4c8d-8fca-48e637b5250c": [ "9735e767-ecc3-4640-b4eb-b664af8984ba" ], "2b3a0396-87b0-409c-9eec-c452f14c59ce": [ "9735e767-ecc3-4640-b4eb-b664af8984ba" ], "bd255015-118f-4f5f-ad64-9d1e5647f8d7": [ "9735e767-ecc3-4640-b4eb-b664af8984ba" ], "4229f0d3-900c-46a5-af3c-4d3745d8602b": [ "9735e767-ecc3-4640-b4eb-b664af8984ba" ], "3fff0c06-7dd1-4dad-ac01-005c943d41fd": [ "9735e767-ecc3-4640-b4eb-b664af8984ba" ], "03fbe745-0ceb-46e6-be8f-1accff88c124": [ "9735e767-ecc3-4640-b4eb-b664af8984ba" ], "8c9b0c8a-441d-4f02-acc7-6ab7e7910f3f": [ "9735e767-ecc3-4640-b4eb-b664af8984ba" ], "66d658fd-e5ad-4fc6-9051-367c1e4e2baa": [ "9735e767-ecc3-4640-b4eb-b664af8984ba" ], "b87f806d-c594-47f2-adcf-9470be0d7b84": [ "9735e767-ecc3-4640-b4eb-b664af8984ba" ], "3464a327-7b8e-4c83-a9bd-1ffeac957f73": [ "9735e767-ecc3-4640-b4eb-b664af8984ba" ], "7b0ae348-72e4-4e23-8827-2b06e4039bc1": [ "f3deb4c2-1f1f-4e8a-9112-72f7c041ed09" ], "9265de78-1a0f-4a1f-9be2-eb98661f2d09": [ "f3deb4c2-1f1f-4e8a-9112-72f7c041ed09" ], "abccc917-2a37-416f-a333-216fae638866": [ "f3deb4c2-1f1f-4e8a-9112-72f7c041ed09" ], "9a27670a-9f30-4faf-9126-0945afc5ce74": [ "f3deb4c2-1f1f-4e8a-9112-72f7c041ed09" ], "06fab8fb-debe-4f77-972d-652e321d9aae": [ "f3deb4c2-1f1f-4e8a-9112-72f7c041ed09" ], "de9a2266-0974-4e19-855d-49cce4078627": [ "f3deb4c2-1f1f-4e8a-9112-72f7c041ed09" ], "e7a534c2-961c-4784-9c02-4458c2b7ba36": [ "f3deb4c2-1f1f-4e8a-9112-72f7c041ed09" ], "653bf32f-aef7-44d3-afac-202f0496dfba": [ "f3deb4c2-1f1f-4e8a-9112-72f7c041ed09" ], "188613ba-ac32-4639-88c8-388e97d75cdd": [ "f3deb4c2-1f1f-4e8a-9112-72f7c041ed09" ], "33b2d27b-5dcc-46f8-ab09-2743bd071e49": [ "f3deb4c2-1f1f-4e8a-9112-72f7c041ed09" ], "7e7324a3-a041-4c1f-aee3-b9d865401710": [ "373a1528-0d57-4163-9440-7d589a335ec5" ], "28208322-1b13-4d2b-9e89-2bd879b77065": [ "373a1528-0d57-4163-9440-7d589a335ec5" ], "e85b9c19-8460-4b36-8fba-37b7b557e06e": [ "373a1528-0d57-4163-9440-7d589a335ec5" ], "1da4c3f6-b331-4ead-9dde-b50e0b468cf3": [ "373a1528-0d57-4163-9440-7d589a335ec5" ], "d6682eeb-3bbd-47fa-aa4f-e00acd092492": [ "373a1528-0d57-4163-9440-7d589a335ec5" ], "0c7e1609-388f-483a-bd14-df7a99aa3092": [ "373a1528-0d57-4163-9440-7d589a335ec5" ], "894b1b62-aef9-4cd3-8106-5506e1762ea5": [ "373a1528-0d57-4163-9440-7d589a335ec5" ], "5cafa0d5-e8e9-458e-92c6-51a0f86c8b20": [ "373a1528-0d57-4163-9440-7d589a335ec5" ], "a4cd593e-b29d-4846-8957-632042e0b24a": [ "373a1528-0d57-4163-9440-7d589a335ec5" ], "cd4b239a-f5f5-4a8b-aa80-a6f204d84514": [ "373a1528-0d57-4163-9440-7d589a335ec5" ], "8fcec987-6628-451e-b537-ccfeca3c1759": [ "d0172c4e-f5b8-4631-aace-7d27a8a7cab0" ], "2d55c4af-6b3a-4374-a245-0492cf707ec7": [ "d0172c4e-f5b8-4631-aace-7d27a8a7cab0" ], "daf9fcab-d87d-44b7-b3c7-b05c4435c134": [ "d0172c4e-f5b8-4631-aace-7d27a8a7cab0" ], "e7574210-8054-4ead-bc46-389c5264bca1": [ "d0172c4e-f5b8-4631-aace-7d27a8a7cab0" ], "b66afef1-e5f5-4217-b19f-eea151c36b43": [ "d0172c4e-f5b8-4631-aace-7d27a8a7cab0" ], "ea222693-2780-4c6b-8477-82bef355c19f": [ "d0172c4e-f5b8-4631-aace-7d27a8a7cab0" ], "321faaa2-bf82-4433-8b0e-e01350ac89d5": [ "d0172c4e-f5b8-4631-aace-7d27a8a7cab0" ], "5242ef34-bfd1-4fce-8a35-825ea2dfb93f": [ "d0172c4e-f5b8-4631-aace-7d27a8a7cab0" ], "ea3f61b4-09d9-4edc-8f8c-50de04f1625e": [ "d0172c4e-f5b8-4631-aace-7d27a8a7cab0" ], "c1acdf59-b6ca-42f1-9f26-8a22f76a76ff": [ "d0172c4e-f5b8-4631-aace-7d27a8a7cab0" ], "8e545914-5d56-4be4-be82-ed69b86191ee": [ "73d61c69-10a0-466b-8128-ea3f91768d5d" ], "f7a39bd0-9226-40d0-a7bd-c736b0e593f5": [ "73d61c69-10a0-466b-8128-ea3f91768d5d" ], "db5465a5-add1-4a7b-901a-e2c4b7fa54ec": [ "73d61c69-10a0-466b-8128-ea3f91768d5d" ], "0c9466b4-210f-4464-acda-b80e871ed264": [ "73d61c69-10a0-466b-8128-ea3f91768d5d" ], "ea372794-eeef-49ce-ac1c-9cbcee3adc83": [ "73d61c69-10a0-466b-8128-ea3f91768d5d" ], "a8465269-07dd-463f-8423-6e36b97637d1": [ "73d61c69-10a0-466b-8128-ea3f91768d5d" ], "3a2efd12-dcdc-4b75-9f0c-15c201ff45c3": [ "73d61c69-10a0-466b-8128-ea3f91768d5d" ], "30e62acc-b58c-4357-884f-b5ad4fddccc3": [ "73d61c69-10a0-466b-8128-ea3f91768d5d" ], "5b8a66cb-3b71-4076-b5bb-7eb78fbdfa9b": [ "73d61c69-10a0-466b-8128-ea3f91768d5d" ], "1be1afe3-2877-4610-8428-bd5703e013d6": [ "73d61c69-10a0-466b-8128-ea3f91768d5d" ], "012331d5-9ce7-41cf-a9a7-d0c04ef0e5f9": [ "4c29249c-6a06-4c2f-8c61-c44f85975053" ], "40925ff2-5fd4-4554-8cd8-c7e818002c43": [ "4c29249c-6a06-4c2f-8c61-c44f85975053" ], "51d1a39b-bfee-45f5-a83b-73f5ed87d45f": [ "4c29249c-6a06-4c2f-8c61-c44f85975053" ], "ca5cb93b-43ab-4487-b5ed-fb650f59a5f5": [ "4c29249c-6a06-4c2f-8c61-c44f85975053" ], "6dfe89c3-4909-4586-8e8a-f9a164fe4808": [ "4c29249c-6a06-4c2f-8c61-c44f85975053" ], "0f07b949-10ee-40da-b221-8aef8588ab25": [ "4c29249c-6a06-4c2f-8c61-c44f85975053" ], "d90cd370-f2c1-4fa2-bf8d-f49b5dd6cda9": [ "4c29249c-6a06-4c2f-8c61-c44f85975053" ], "013409a5-be03-4c61-8725-0f810306cd5d": [ "4c29249c-6a06-4c2f-8c61-c44f85975053" ], "9465af40-abba-4676-8fb7-ce7be4da3767": [ "4c29249c-6a06-4c2f-8c61-c44f85975053" ], "ed147f84-32e5-4ce5-99f9-5a05b915b60c": [ "4c29249c-6a06-4c2f-8c61-c44f85975053" ], "22818341-f26e-4955-9621-e7fb1de3a5f3": [ "3b15b18e-07c6-456f-aba6-886e26a94698" ], "1a7f57c6-c117-4be1-ba50-186a31476727": [ "3b15b18e-07c6-456f-aba6-886e26a94698" ], "4568bcb3-9e4b-427f-bb98-de8286bd92b4": [ "3b15b18e-07c6-456f-aba6-886e26a94698" ], "40e36f9f-6982-4b73-a4eb-4a936ebe8b88": [ "3b15b18e-07c6-456f-aba6-886e26a94698" ], "379c94d8-0efd-43f2-94de-b74f78aed50f": [ "3b15b18e-07c6-456f-aba6-886e26a94698" ], "7cf63b36-a2b6-4907-aa18-37ea1652a473": [ "3b15b18e-07c6-456f-aba6-886e26a94698" ], "6ef08474-e1c1-49b7-b805-ee7e81e422cb": [ "3b15b18e-07c6-456f-aba6-886e26a94698" ], "9c0d50ae-ee20-415a-85b5-c3a9ade02f50": [ "3b15b18e-07c6-456f-aba6-886e26a94698" ], "1c5f84e2-b49e-4960-a800-2429ce22b76a": [ "3b15b18e-07c6-456f-aba6-886e26a94698" ], "f03e90dc-e2e8-4c25-a821-844c6968787d": [ "3b15b18e-07c6-456f-aba6-886e26a94698" ], "4f356ac2-23c7-4fc7-8435-897293b72d0f": [ "05bf067b-4367-43fe-8cfd-e56c149ce030" ], "d7729228-d321-497a-8e0e-6f29985eda47": [ "05bf067b-4367-43fe-8cfd-e56c149ce030" ], "a832aa4a-0444-4d26-8731-b95d85407223": [ "05bf067b-4367-43fe-8cfd-e56c149ce030" ], "4b1c348d-d28a-467e-bf8f-c62f7b963e8a": [ "05bf067b-4367-43fe-8cfd-e56c149ce030" ], "d1aa1e33-d61c-4596-b157-057184cb01d8": [ "05bf067b-4367-43fe-8cfd-e56c149ce030" ], "4ac2276e-08b8-46aa-bf26-bf364011b23e": [ "05bf067b-4367-43fe-8cfd-e56c149ce030" ], "589e07b7-6fe3-4dd6-8f81-8abc5284b3ba": [ "05bf067b-4367-43fe-8cfd-e56c149ce030" ], "baef6bfa-bf91-45bf-9359-667d16ace446": [ "05bf067b-4367-43fe-8cfd-e56c149ce030" ], "d2c8794e-80ff-4e8d-ae0f-a3ca4c8f0861": [ "05bf067b-4367-43fe-8cfd-e56c149ce030" ], "d534ba6d-38a4-485b-b07e-9d9dff8f1bf1": [ "05bf067b-4367-43fe-8cfd-e56c149ce030" ], "4b996d4a-0945-4417-99a9-d42f204c897c": [ "385c57ae-3c3e-43f0-8048-1bcc162b70ee" ], "a22717ae-7d18-4a14-9c75-56f14301bbe9": [ "385c57ae-3c3e-43f0-8048-1bcc162b70ee" ], "10074251-f6ed-40d0-b47d-ba5a733a950a": [ "385c57ae-3c3e-43f0-8048-1bcc162b70ee" ], "aa23da60-6acc-4e19-904f-09be4a726ba4": [ "385c57ae-3c3e-43f0-8048-1bcc162b70ee" ], "f71de954-fbda-44d3-b3c0-dc6461ccf5b8": [ "385c57ae-3c3e-43f0-8048-1bcc162b70ee" ], "ea81db50-a5bd-44a3-af6a-f586a862699a": [ "385c57ae-3c3e-43f0-8048-1bcc162b70ee" ], "8289b991-63ae-414a-bdc3-e2f4dcb8ab19": [ "385c57ae-3c3e-43f0-8048-1bcc162b70ee" ], "f785ebcf-bc9f-4fd3-ba51-b81a49bb41c6": [ "385c57ae-3c3e-43f0-8048-1bcc162b70ee" ], "57ee35ee-b68d-41c5-9f64-278747e3a0d2": [ "385c57ae-3c3e-43f0-8048-1bcc162b70ee" ], "cdb8350a-cbd8-4260-b466-3fb30300da5f": [ "385c57ae-3c3e-43f0-8048-1bcc162b70ee" ], "34dccbc7-9d40-4f1a-b529-a9845c4487e8": [ "d7bd7c1b-65d9-434f-a168-4f23e1f234df" ], "7a12be3c-04f6-4eba-8775-f78ca59d87f9": [ "d7bd7c1b-65d9-434f-a168-4f23e1f234df" ], "bc4ec77f-bd37-4d4e-8a2c-013258775b5a": [ "d7bd7c1b-65d9-434f-a168-4f23e1f234df" ], "ca540e8a-1ef7-4328-ace0-6611b56d6b89": [ "d7bd7c1b-65d9-434f-a168-4f23e1f234df" ], "e164ea4f-aa6e-4038-9d68-ea5075a49d59": [ "d7bd7c1b-65d9-434f-a168-4f23e1f234df" ], "8b02747c-d922-41b8-a93e-ede258a2a1fd": [ "d7bd7c1b-65d9-434f-a168-4f23e1f234df" ], "600ab292-80bb-405b-b7e5-095ca2ac8678": [ "d7bd7c1b-65d9-434f-a168-4f23e1f234df" ], "20f2c401-7198-4ae7-9d4c-2da4d1e87215": [ "d7bd7c1b-65d9-434f-a168-4f23e1f234df" ], "59a84c7a-5475-44ff-819e-bae52a031274": [ "d7bd7c1b-65d9-434f-a168-4f23e1f234df" ], "f09c994a-0227-41a6-bb28-b6700796d0d4": [ "d7bd7c1b-65d9-434f-a168-4f23e1f234df" ], "bb84ba49-2b68-472c-9440-f3a2d5044138": [ "f980975a-24a9-48d6-a55b-7422a111b1a2" ], "3d7509a6-3aac-4bc9-8546-b4c4ca6915b7": [ "f980975a-24a9-48d6-a55b-7422a111b1a2" ], "ded2e1b0-f7e9-4850-9d98-ba98d9a60cf7": [ "f980975a-24a9-48d6-a55b-7422a111b1a2" ], "cb97774a-915e-43f3-8bb0-dd52e5f14eee": [ "f980975a-24a9-48d6-a55b-7422a111b1a2" ], "4bbf1173-7064-4d11-9472-230740812b12": [ "f980975a-24a9-48d6-a55b-7422a111b1a2" ], "5ef0aabd-9b14-4493-86cd-6245a622ce86": [ "f980975a-24a9-48d6-a55b-7422a111b1a2" ], "854d75b9-61fb-4daf-a6a5-147b6d450360": [ "f980975a-24a9-48d6-a55b-7422a111b1a2" ], "c0579907-5f49-41e0-b666-4a2010dc5dc8": [ "f980975a-24a9-48d6-a55b-7422a111b1a2" ], "f54d767a-c86b-4117-8c73-6b281f5160cd": [ "f980975a-24a9-48d6-a55b-7422a111b1a2" ], "fb823b41-410e-4768-848c-586655661b1d": [ "f980975a-24a9-48d6-a55b-7422a111b1a2" ], "f4c4f8c9-2b87-4e6d-be81-f68361c254df": [ "b81faae3-0281-4642-8165-e48a6e00324c" ], "a68e2c93-7802-4520-9431-a0af4a6216f6": [ "b81faae3-0281-4642-8165-e48a6e00324c" ], "98b1ea4d-cd2d-42bd-940d-3c4a83e1bde5": [ "b81faae3-0281-4642-8165-e48a6e00324c" ], "1186f830-6a11-4a0d-a530-68a48bd29496": [ "b81faae3-0281-4642-8165-e48a6e00324c" ], "b2e3416f-24b7-4fad-9ac3-105016736368": [ "b81faae3-0281-4642-8165-e48a6e00324c" ], "9aef7eef-ccbf-468b-9d3b-da5d8b54ae00": [ "b81faae3-0281-4642-8165-e48a6e00324c" ], "94e55658-0f00-48b3-8499-946f84dcdda6": [ "b81faae3-0281-4642-8165-e48a6e00324c" ], "f813d193-062c-418f-9281-56fcab6e1607": [ "b81faae3-0281-4642-8165-e48a6e00324c" ], "72e7b122-3115-4294-bdcb-3c8a02c2eeba": [ "b81faae3-0281-4642-8165-e48a6e00324c" ], "969f84dc-6045-48ad-9ed6-3ccb02b50367": [ "b81faae3-0281-4642-8165-e48a6e00324c" ], "648d061e-5107-4cb0-a2bf-2108f3466ff0": [ "072df326-f351-4139-90ff-80fa12f519fe" ], "e96c9248-aaf8-4a56-9b7e-bd107983a9be": [ "072df326-f351-4139-90ff-80fa12f519fe" ], "daf00791-b151-4419-b419-6f363f6ddde3": [ "072df326-f351-4139-90ff-80fa12f519fe" ], "23806738-7f2a-40d9-8495-10642163aaec": [ "072df326-f351-4139-90ff-80fa12f519fe" ], "b9a81d85-7f06-4e13-9047-23e8d3ef8fbe": [ "072df326-f351-4139-90ff-80fa12f519fe" ], "17309e6f-b57d-41b8-8384-d44cbb3230d5": [ "072df326-f351-4139-90ff-80fa12f519fe" ], "16db7de7-3d71-43c3-94ec-6778dbcd96c4": [ "072df326-f351-4139-90ff-80fa12f519fe" ], "71c75f71-a97b-4500-b552-63526c1166d4": [ "072df326-f351-4139-90ff-80fa12f519fe" ], "62c4d26f-7fde-4f37-ac8f-b6538ef8eceb": [ "072df326-f351-4139-90ff-80fa12f519fe" ], "ac9f8a3b-c7cf-49b8-83ef-cd03db30d021": [ "072df326-f351-4139-90ff-80fa12f519fe" ], "5eb0d1ca-d9aa-4ecc-bcd6-3c230f846797": [ "396983cd-f3c3-4217-9cca-43f1348c897a" ], "8f0732ce-d197-4459-82b0-a989cb7ec1c7": [ "396983cd-f3c3-4217-9cca-43f1348c897a" ], "6f17587a-56f8-4153-9650-22a9d4ee67b8": [ "396983cd-f3c3-4217-9cca-43f1348c897a" ], "cc38993e-6ecd-4892-ba9f-6a2ae8c4772a": [ "396983cd-f3c3-4217-9cca-43f1348c897a" ], "685a5b57-2ef5-4414-8b7d-671ecd0c6818": [ "396983cd-f3c3-4217-9cca-43f1348c897a" ], "e979f4ec-8815-4d81-9819-8c2ba688b76f": [ "396983cd-f3c3-4217-9cca-43f1348c897a" ], "05d8f992-c469-474e-9fe1-766da2caac9e": [ "396983cd-f3c3-4217-9cca-43f1348c897a" ], "b72eb4ad-a0af-403a-8f22-5f2102294277": [ "396983cd-f3c3-4217-9cca-43f1348c897a" ], "ab737b6b-daca-4740-b243-8cc0dae4aeef": [ "396983cd-f3c3-4217-9cca-43f1348c897a" ], "00d8dbf4-b47d-4747-b97f-c8d07810325d": [ "396983cd-f3c3-4217-9cca-43f1348c897a" ], "1cfee630-6d24-4990-a296-7c7c176ffd1b": [ "0ed309af-9119-4bf2-a617-533571a8ae70" ], "5d6700c9-7818-46ef-b41b-198def2b66bc": [ "0ed309af-9119-4bf2-a617-533571a8ae70" ], "32d63129-be90-42f1-b4f2-a0939196695b": [ "0ed309af-9119-4bf2-a617-533571a8ae70" ], "69d167b2-e14f-49fb-8d18-26dfc03da752": [ "0ed309af-9119-4bf2-a617-533571a8ae70" ], "c6a02835-5f28-4dd5-af8a-213969db3967": [ "0ed309af-9119-4bf2-a617-533571a8ae70" ], "f3a5eca5-0905-456e-a08f-6d046dc33af3": [ "0ed309af-9119-4bf2-a617-533571a8ae70" ], "cda8be67-5cfc-41ec-80af-80da7a598b3c": [ "0ed309af-9119-4bf2-a617-533571a8ae70" ], "e3c610ce-2829-406e-bf01-743077906190": [ "0ed309af-9119-4bf2-a617-533571a8ae70" ], "14768e34-727e-4778-8f81-21f5fdc26169": [ "0ed309af-9119-4bf2-a617-533571a8ae70" ], "63f1c45b-cdfb-4b97-80bd-907809e5da51": [ "0ed309af-9119-4bf2-a617-533571a8ae70" ], "1017bbdb-e976-4928-853c-d8a7087d3496": [ "dbd32a3a-3011-4979-8752-889d7494ee49" ], "2372bc88-82e9-42bd-8a97-beea0df1acb1": [ "dbd32a3a-3011-4979-8752-889d7494ee49" ], "8960dc47-be09-4049-b7f3-3c6d15913c65": [ "dbd32a3a-3011-4979-8752-889d7494ee49" ], "499e5baa-8655-4e35-b579-47265ebeae88": [ "dbd32a3a-3011-4979-8752-889d7494ee49" ], "f8c160de-e312-4e47-b0b9-cee6644c8402": [ "dbd32a3a-3011-4979-8752-889d7494ee49" ], "9b832364-aaa5-4e33-a22d-44bd52dd9942": [ "dbd32a3a-3011-4979-8752-889d7494ee49" ], "14a6b1bf-aa62-4b20-86a1-5c22df53f230": [ "dbd32a3a-3011-4979-8752-889d7494ee49" ], "ab862390-e767-4738-bc05-46825306082a": [ "dbd32a3a-3011-4979-8752-889d7494ee49" ], "e6c5e3c1-05c7-4752-949a-2f783ed5a923": [ "dbd32a3a-3011-4979-8752-889d7494ee49" ], "122452bd-d1b8-4649-a425-b06185bb4264": [ "dbd32a3a-3011-4979-8752-889d7494ee49" ], "37a90e42-d3ab-4d40-90d7-1e0115f2641d": [ "13e16fb6-f74d-4ab9-ae02-4ea2a28366e8" ], "f91f7b48-7382-4d61-9362-201445403514": [ "13e16fb6-f74d-4ab9-ae02-4ea2a28366e8" ], "885aea2a-2470-4f60-90c0-06749f074473": [ "13e16fb6-f74d-4ab9-ae02-4ea2a28366e8" ], "8c73684f-2d9b-4a40-b440-446b74c62066": [ "13e16fb6-f74d-4ab9-ae02-4ea2a28366e8" ], "c523bae5-bf62-4998-82b2-5349c5317a3e": [ "13e16fb6-f74d-4ab9-ae02-4ea2a28366e8" ], "4c4e42f7-5113-4476-986c-a4d07ea7ed7e": [ "13e16fb6-f74d-4ab9-ae02-4ea2a28366e8" ], "5d84ccf7-9640-47c5-8bf8-c436518d2113": [ "13e16fb6-f74d-4ab9-ae02-4ea2a28366e8" ], "110c2cbe-38bd-4d2c-b259-4e99a585a547": [ "13e16fb6-f74d-4ab9-ae02-4ea2a28366e8" ], "98984c33-a4d3-425e-9c6e-e5e21b2679da": [ "13e16fb6-f74d-4ab9-ae02-4ea2a28366e8" ], "2fa4de39-af63-4c46-89b1-244cb8cf143b": [ "13e16fb6-f74d-4ab9-ae02-4ea2a28366e8" ], "cb2fba1d-5f37-4bcc-8af9-0bcc5dc7ed1c": [ "3f09e6a0-f8ad-446d-9433-8a4aff553c18" ], "7add5fef-a6c9-4517-a842-002f6c5bf07b": [ "3f09e6a0-f8ad-446d-9433-8a4aff553c18" ], "869d300b-3f4a-49cc-a9e0-cd4d7a61babc": [ "3f09e6a0-f8ad-446d-9433-8a4aff553c18" ], "852ff359-0b28-4c4e-8429-49cc77593f7f": [ "3f09e6a0-f8ad-446d-9433-8a4aff553c18" ], "ecb5c6be-04bf-43b2-8991-660cae0b4ca8": [ "3f09e6a0-f8ad-446d-9433-8a4aff553c18" ], "beb24d5d-16dc-47f6-94b3-5e1448a7c0c0": [ "3f09e6a0-f8ad-446d-9433-8a4aff553c18" ], "1e8c79ce-5f1a-4dc6-9575-79a48ce40235": [ "3f09e6a0-f8ad-446d-9433-8a4aff553c18" ], "cedafb21-d000-4eaf-95f5-a5e86f4448f0": [ "3f09e6a0-f8ad-446d-9433-8a4aff553c18" ], "8d4fc492-b33e-420d-a6d7-4ca049ecadf1": [ "3f09e6a0-f8ad-446d-9433-8a4aff553c18" ], "8aea918d-d077-479c-b3be-e1fd6c3651b3": [ "3f09e6a0-f8ad-446d-9433-8a4aff553c18" ], "30313d8f-c501-48d7-9feb-50b4c027d8d6": [ "54250bce-8579-4ac9-ad6b-a4d2eb7f82f3" ], "8e0743c1-9e6e-4b27-8b4f-1f71321f95a2": [ "54250bce-8579-4ac9-ad6b-a4d2eb7f82f3" ], "9d97cb09-a3be-424e-8a39-83989c3e8a06": [ "54250bce-8579-4ac9-ad6b-a4d2eb7f82f3" ], "0fdd980e-8bd8-40c1-ba61-9b35b283453a": [ "54250bce-8579-4ac9-ad6b-a4d2eb7f82f3" ], "c77be872-a7c2-4c40-9199-1b6695345d48": [ "54250bce-8579-4ac9-ad6b-a4d2eb7f82f3" ], "30800e99-6b0e-474e-a8c2-81f523b6e35d": [ "54250bce-8579-4ac9-ad6b-a4d2eb7f82f3" ], "fac9eab2-6143-4e8e-ba66-54c1e998b7aa": [ "54250bce-8579-4ac9-ad6b-a4d2eb7f82f3" ], "a459c67e-5489-4d82-aa1d-42c41800de4d": [ "54250bce-8579-4ac9-ad6b-a4d2eb7f82f3" ], "2385d5cb-abe4-47aa-8fa4-32af92c90996": [ "54250bce-8579-4ac9-ad6b-a4d2eb7f82f3" ], "d1d0a280-c18d-490d-b687-af9762e80c81": [ "54250bce-8579-4ac9-ad6b-a4d2eb7f82f3" ], "9a740ec6-5b99-4d23-829f-1d00ce6a2825": [ "9e2d7009-0e00-4ab8-9565-d57aa6f2e6c8" ], "9f7c7826-da8f-4f03-b198-0a0883fcc5fc": [ "9e2d7009-0e00-4ab8-9565-d57aa6f2e6c8" ], "b1cb542b-e617-4e25-8240-a39766f01a15": [ "9e2d7009-0e00-4ab8-9565-d57aa6f2e6c8" ], "be8f8973-9269-478f-bfdf-604f5e24f8dd": [ "9e2d7009-0e00-4ab8-9565-d57aa6f2e6c8" ], "487130b3-da00-4291-b605-5cefcabbb3d2": [ "9e2d7009-0e00-4ab8-9565-d57aa6f2e6c8" ], "7462eac6-b250-42ea-8d0e-6259c766eacc": [ "9e2d7009-0e00-4ab8-9565-d57aa6f2e6c8" ], "b116146c-99cb-4da8-bc9c-29a675a0b11e": [ "9e2d7009-0e00-4ab8-9565-d57aa6f2e6c8" ], "bbc8e993-f73e-4124-baae-4df8cce81bd1": [ "9e2d7009-0e00-4ab8-9565-d57aa6f2e6c8" ], "721cb1f7-3926-4d22-9104-089d7ed0648d": [ "9e2d7009-0e00-4ab8-9565-d57aa6f2e6c8" ], "82589b93-21bb-45ca-bcbf-43f3bb6ff1c9": [ "9e2d7009-0e00-4ab8-9565-d57aa6f2e6c8" ], "9a907ec0-51fa-412a-aa29-30f9570eb3ab": [ "075f160a-5311-476c-8432-f25947ed3b7b" ], "0a1165b8-6c81-4851-b923-6614039f22e7": [ "075f160a-5311-476c-8432-f25947ed3b7b" ], "5397d067-4189-491f-8dec-fbf0d4929992": [ "075f160a-5311-476c-8432-f25947ed3b7b" ], "5d962786-bb30-4e9b-8828-ddd481052880": [ "075f160a-5311-476c-8432-f25947ed3b7b" ], "d95a115c-e4e1-4e77-b474-ae8bd1bc2e05": [ "075f160a-5311-476c-8432-f25947ed3b7b" ], "3bf2a45e-732c-4e71-9418-76e9960102c7": [ "075f160a-5311-476c-8432-f25947ed3b7b" ], "13d982f8-8feb-444a-aee6-150bd75e300d": [ "075f160a-5311-476c-8432-f25947ed3b7b" ], "bd3720d4-8f64-4def-aea1-3c0131b10a44": [ "075f160a-5311-476c-8432-f25947ed3b7b" ], "9f9829d9-1634-41c7-9f97-6615b92ff177": [ "075f160a-5311-476c-8432-f25947ed3b7b" ], "e543769e-6773-4886-abd6-b8150610dcb5": [ "075f160a-5311-476c-8432-f25947ed3b7b" ], "fe0007b9-6bb8-471f-baa4-52db1266dfae": [ "9c291920-4d81-49ee-9582-e4e5617f1e29" ], "701d102d-a559-42a7-92e7-de1882e6a3c3": [ "9c291920-4d81-49ee-9582-e4e5617f1e29" ], "580dd557-37b3-4d04-8947-3f6ff96102f1": [ "9c291920-4d81-49ee-9582-e4e5617f1e29" ], "788e9120-0ac1-4fca-86e8-18481961cee0": [ "9c291920-4d81-49ee-9582-e4e5617f1e29" ], "b4a0709a-ab55-4e0b-9e4d-685f1b9e7c52": [ "9c291920-4d81-49ee-9582-e4e5617f1e29" ], "45b0cb84-69d6-4cc0-9853-a54c42b8ae6c": [ "9c291920-4d81-49ee-9582-e4e5617f1e29" ], "62fda349-408f-406d-aa8b-02be423dc45b": [ "9c291920-4d81-49ee-9582-e4e5617f1e29" ], "7eae5a44-905f-44d7-bd90-7f06924b5714": [ "9c291920-4d81-49ee-9582-e4e5617f1e29" ], "7d931da3-a936-4008-bd93-955f38572084": [ "9c291920-4d81-49ee-9582-e4e5617f1e29" ], "d8ec6ffb-fa11-4057-947c-606f26a47b98": [ "9c291920-4d81-49ee-9582-e4e5617f1e29" ], "9f059236-26c7-45de-a830-46e6aa093b6a": [ "7a238cb7-0105-4d40-ae9e-33bdbae97940" ], "72726b09-479e-4af1-85ba-da3b884ad523": [ "7a238cb7-0105-4d40-ae9e-33bdbae97940" ], "0c19ae3c-cd81-45df-8617-ae3ea08b31d0": [ "7a238cb7-0105-4d40-ae9e-33bdbae97940" ], "19225708-178b-41fb-9317-4a8994575f49": [ "7a238cb7-0105-4d40-ae9e-33bdbae97940" ], "d7b9124e-2b8f-491f-8582-8c8b50d75dab": [ "7a238cb7-0105-4d40-ae9e-33bdbae97940" ], "a29dd465-eb8c-4a06-bec5-d53158a5ab75": [ "7a238cb7-0105-4d40-ae9e-33bdbae97940" ], "30f358a0-bee3-4d78-af15-f17e03c6f6fe": [ "7a238cb7-0105-4d40-ae9e-33bdbae97940" ], "c10665f3-7133-48ec-af8b-9a3da5aace6a": [ "7a238cb7-0105-4d40-ae9e-33bdbae97940" ], "20b29fed-df28-4782-a0a6-cc810a741313": [ "7a238cb7-0105-4d40-ae9e-33bdbae97940" ], "bd48f19f-052d-4f00-9cbb-c7af9d4b3974": [ "7a238cb7-0105-4d40-ae9e-33bdbae97940" ], "163213c6-62d0-4250-846c-1469800b85ca": [ "2b3082ea-a758-45ff-ba6b-bdba1cdff560" ], "5b984cab-cdbe-4ef7-b93d-d909c5731f67": [ "2b3082ea-a758-45ff-ba6b-bdba1cdff560" ], "3e4560e0-dc42-4296-92fe-ea0e124567d7": [ "2b3082ea-a758-45ff-ba6b-bdba1cdff560" ], "30f7732e-3ee2-4036-ba88-48ca90363b06": [ "2b3082ea-a758-45ff-ba6b-bdba1cdff560" ], "decff52c-3565-451a-8a20-3e7ac874be14": [ "2b3082ea-a758-45ff-ba6b-bdba1cdff560" ], "ff514fa3-ba04-4758-822b-dd64520c336b": [ "2b3082ea-a758-45ff-ba6b-bdba1cdff560" ], "1d9d310a-e86c-4e4d-abcf-9dbb09e83cc9": [ "2b3082ea-a758-45ff-ba6b-bdba1cdff560" ], "c3e2dbf8-beb1-462d-9caf-c96bd633657d": [ "2b3082ea-a758-45ff-ba6b-bdba1cdff560" ], "551b3ffe-2799-4604-88bb-30e5d749a8b5": [ "2b3082ea-a758-45ff-ba6b-bdba1cdff560" ], "69cf96a2-df99-41e7-8115-8055ad6e9ca6": [ "2b3082ea-a758-45ff-ba6b-bdba1cdff560" ], "05183280-1d5b-459c-a992-9acadab1ef19": [ "f160538a-05d7-4dc9-92bb-118c9d4729e5" ], "c60f0892-2d00-4857-83bd-56c359c886bd": [ "f160538a-05d7-4dc9-92bb-118c9d4729e5" ], "76b6173b-cec9-467b-8d0a-1303761c633e": [ "f160538a-05d7-4dc9-92bb-118c9d4729e5" ], "f9ec2f22-7b8e-49f6-a7f0-ae26d545a857": [ "f160538a-05d7-4dc9-92bb-118c9d4729e5" ], "247dd9f5-9e63-4e3a-8e8d-ab400ccf52e4": [ "f160538a-05d7-4dc9-92bb-118c9d4729e5" ], "017ef7bf-a4d2-4bfd-a9ab-fedcb45bd342": [ "f160538a-05d7-4dc9-92bb-118c9d4729e5" ], "a44b660c-2a0d-4269-bdfb-d5bbdc27c8d9": [ "f160538a-05d7-4dc9-92bb-118c9d4729e5" ], "fff28023-36bd-40a0-b02c-acdcdf193d0d": [ "f160538a-05d7-4dc9-92bb-118c9d4729e5" ], "22e63b69-d432-4db5-b2a2-0d5c7904b395": [ "f160538a-05d7-4dc9-92bb-118c9d4729e5" ], "ea8e4fba-8395-425c-bfc4-a2f9b9e52716": [ "f160538a-05d7-4dc9-92bb-118c9d4729e5" ], "15cadcbf-9e4f-48ff-8b7b-c96f2dff72db": [ "5b5a9443-650d-4f69-8e31-77910762ac05" ], "11f61d1e-0367-43e4-a9a0-4f4927b7d835": [ "5b5a9443-650d-4f69-8e31-77910762ac05" ], "3f27ef9e-895b-4bc5-bfa0-e004473c96e5": [ "5b5a9443-650d-4f69-8e31-77910762ac05" ], "0791c6e9-0ae1-47d9-82d4-d58c4db503be": [ "5b5a9443-650d-4f69-8e31-77910762ac05" ], "f53f3165-1cd9-4aee-8543-cfd892f46c8f": [ "5b5a9443-650d-4f69-8e31-77910762ac05" ], "75673256-35ab-4016-b7a5-7c9dfcc2a664": [ "5b5a9443-650d-4f69-8e31-77910762ac05" ], "c23b7bfd-455c-439d-a4cb-9db46b371b28": [ "5b5a9443-650d-4f69-8e31-77910762ac05" ], "19f5226d-d241-4a89-9dd7-48d6ec49d811": [ "5b5a9443-650d-4f69-8e31-77910762ac05" ], "50525d03-e547-4e25-8b7c-55299b917380": [ "5b5a9443-650d-4f69-8e31-77910762ac05" ], "e93f80dd-9fd0-4dce-bf4d-59612710b3cb": [ "5b5a9443-650d-4f69-8e31-77910762ac05" ], "64f48e42-8047-4fbe-b2b8-0317d7654488": [ "67610540-f98e-4a69-9268-e62c3fcd27f1" ], "f6b48749-0dc8-470d-bb03-99238efb38a8": [ "67610540-f98e-4a69-9268-e62c3fcd27f1" ], "a4323121-bdb2-46c7-a6ce-bf55bb5c0dff": [ "67610540-f98e-4a69-9268-e62c3fcd27f1" ], "d75f739d-f315-4bdb-a867-0a424ab54a9d": [ "67610540-f98e-4a69-9268-e62c3fcd27f1" ], "3bec698f-c7b3-46fc-90ed-271e1c6bcf69": [ "67610540-f98e-4a69-9268-e62c3fcd27f1" ], "76582a68-faf0-414c-ae06-75206ece3f20": [ "67610540-f98e-4a69-9268-e62c3fcd27f1" ], "47ffb9b3-0999-4821-aa13-7f9fb768ddfb": [ "67610540-f98e-4a69-9268-e62c3fcd27f1" ], "3ee63657-e273-4729-aedb-ad907b697b0b": [ "67610540-f98e-4a69-9268-e62c3fcd27f1" ], "2be9bfc7-0a91-4d69-ab47-08d7d287908d": [ "67610540-f98e-4a69-9268-e62c3fcd27f1" ], "879debec-9d66-4b02-92a8-1c0ac329bcec": [ "67610540-f98e-4a69-9268-e62c3fcd27f1" ], "edb6223d-2cfe-4274-9558-3c16bc4ddafb": [ "79ce6de9-eed4-4e27-ba5e-3c645c552a62" ], "d9ff89ba-8407-4769-92de-2116b74307d3": [ "79ce6de9-eed4-4e27-ba5e-3c645c552a62" ], "1eb668ca-1945-44d7-b43b-816d3f5dfdf8": [ "79ce6de9-eed4-4e27-ba5e-3c645c552a62" ], "84559ab1-6099-4207-a5e1-fd77892b3477": [ "79ce6de9-eed4-4e27-ba5e-3c645c552a62" ], "e49ea614-cbc5-4298-8d1f-96ca6115d0fc": [ "79ce6de9-eed4-4e27-ba5e-3c645c552a62" ], "f8cf816c-e2d6-426a-af46-5648186d597b": [ "79ce6de9-eed4-4e27-ba5e-3c645c552a62" ], "daf1d271-b750-4997-a6c2-fa9678ae3d21": [ "79ce6de9-eed4-4e27-ba5e-3c645c552a62" ], "b27b2445-8584-48cb-a4df-77b17ee9385b": [ "79ce6de9-eed4-4e27-ba5e-3c645c552a62" ], "2a4e0b32-74a3-4879-bfad-22a40f2a42de": [ "79ce6de9-eed4-4e27-ba5e-3c645c552a62" ], "0b732592-03d3-49f5-b99e-66f4d35a4236": [ "79ce6de9-eed4-4e27-ba5e-3c645c552a62" ], "3f3b331d-9bd8-4caa-b545-dca20b248145": [ "da05fb10-a395-425e-b9f7-56a7d5e28730" ], "a28f8b0d-ee7f-43d3-86f7-15bb04fe5b3c": [ "da05fb10-a395-425e-b9f7-56a7d5e28730" ], "97a5efb4-6461-449a-9e95-d488efee7529": [ "da05fb10-a395-425e-b9f7-56a7d5e28730" ], "a2d25492-87d6-4648-9434-c69e57ce83c1": [ "da05fb10-a395-425e-b9f7-56a7d5e28730" ], "bc3b20ae-65bf-4a49-add3-73c3484b102b": [ "da05fb10-a395-425e-b9f7-56a7d5e28730" ], "aa4e9f5a-6b09-4205-9ea3-cb189bbf4532": [ "da05fb10-a395-425e-b9f7-56a7d5e28730" ], "0a90f531-0f09-4a0f-852a-8f61f37034b9": [ "da05fb10-a395-425e-b9f7-56a7d5e28730" ], "cda4da1e-dc23-4c94-be50-52ca95988b7b": [ "da05fb10-a395-425e-b9f7-56a7d5e28730" ], "60d84aab-aa4a-4070-9dc0-4eda5cec6953": [ "da05fb10-a395-425e-b9f7-56a7d5e28730" ], "3a8fb0d4-c019-4297-91e1-db083bd48dc0": [ "da05fb10-a395-425e-b9f7-56a7d5e28730" ], "3b5c671b-5fbc-42fa-b16b-a5b262777cfd": [ "c5a7aabb-c477-4ade-b8ce-729403c4dbb0" ], "316c471c-8efc-4b7e-a005-f90d38e08dfa": [ "c5a7aabb-c477-4ade-b8ce-729403c4dbb0" ], "174911a9-15b3-441a-9441-ad91aef77d1a": [ "c5a7aabb-c477-4ade-b8ce-729403c4dbb0" ], "214a7069-28bd-48bb-9cfe-91fac5e75265": [ "c5a7aabb-c477-4ade-b8ce-729403c4dbb0" ], "8f4357c8-d6fe-4e74-8568-b899f30a476e": [ "c5a7aabb-c477-4ade-b8ce-729403c4dbb0" ], "ef7fa7c5-4974-4031-b990-b533f9223549": [ "c5a7aabb-c477-4ade-b8ce-729403c4dbb0" ], "53431b66-efe4-4500-9515-118cdf5442d9": [ "c5a7aabb-c477-4ade-b8ce-729403c4dbb0" ], "a6483585-aad7-4dcd-a923-b670ff9ce603": [ "c5a7aabb-c477-4ade-b8ce-729403c4dbb0" ], "6b2c0c0e-ab55-451f-a78f-da276117b936": [ "c5a7aabb-c477-4ade-b8ce-729403c4dbb0" ], "4acd9d75-3756-4221-b1cd-e22869ca8624": [ "c5a7aabb-c477-4ade-b8ce-729403c4dbb0" ], "797433ca-845c-49c5-91b0-27a9888ae57a": [ "2b7c14ce-8866-44fb-a10a-00ad8cacda82" ], "c99cd49d-6e4d-42b3-8297-afdde902b186": [ "2b7c14ce-8866-44fb-a10a-00ad8cacda82" ], "b8b9ec4e-4641-4e69-886a-5e4ba21b36cd": [ "2b7c14ce-8866-44fb-a10a-00ad8cacda82" ], "c4240dae-ba83-4560-88fa-b338a3a57ddb": [ "2b7c14ce-8866-44fb-a10a-00ad8cacda82" ], "f3e983b6-c560-433a-aacc-5364bdf7866e": [ "2b7c14ce-8866-44fb-a10a-00ad8cacda82" ], "8e06a151-4232-483a-9afd-4b42f789ea90": [ "2b7c14ce-8866-44fb-a10a-00ad8cacda82" ], "2183de18-0ff6-42e7-bdbc-4438a479b531": [ "2b7c14ce-8866-44fb-a10a-00ad8cacda82" ], "7c18a13e-7e93-4239-b827-2918a2618723": [ "2b7c14ce-8866-44fb-a10a-00ad8cacda82" ], "a5e0b2b6-1b06-4ef8-addf-144891193ddb": [ "2b7c14ce-8866-44fb-a10a-00ad8cacda82" ], "3377e383-c36d-4d87-92ce-e18103943afb": [ "2b7c14ce-8866-44fb-a10a-00ad8cacda82" ], "d867c4bb-c8df-419c-a0a7-85cee3f00fa4": [ "3dc2896c-85ef-49d8-81c9-27080011062c" ], "0de55c63-2a07-46c5-95af-a7c880dac792": [ "3dc2896c-85ef-49d8-81c9-27080011062c" ], "cf4edc6c-6dfa-421e-8f3f-152860d5b783": [ "3dc2896c-85ef-49d8-81c9-27080011062c" ], "9c9f8912-ed88-4dea-881a-54d343883abe": [ "3dc2896c-85ef-49d8-81c9-27080011062c" ], "4419ac52-b705-4f52-994b-c528407ad331": [ "3dc2896c-85ef-49d8-81c9-27080011062c" ], "35e08947-3ee3-4f59-9f42-0cdb1e6c2209": [ "3dc2896c-85ef-49d8-81c9-27080011062c" ], "d10b279d-022c-46e4-9c45-c7bc84613ba6": [ "3dc2896c-85ef-49d8-81c9-27080011062c" ], "5b13c532-971c-4ad3-9d2f-894659e15c14": [ "3dc2896c-85ef-49d8-81c9-27080011062c" ], "2034a44e-c5d4-468e-b1d1-793d9c5fd380": [ "3dc2896c-85ef-49d8-81c9-27080011062c" ], "8392bde5-90d6-4c9d-a47e-51fef31ba5fb": [ "3dc2896c-85ef-49d8-81c9-27080011062c" ], "05ca790c-cf64-47a0-85a5-8f3a44d421fd": [ "63f5e948-7ea9-4f3d-8797-57fd81ae9cd0" ], "c67a792b-506d-4fa9-8df9-64ef76dcef05": [ "63f5e948-7ea9-4f3d-8797-57fd81ae9cd0" ], "9f7e9640-2723-48fb-a46f-ebb34177be77": [ "63f5e948-7ea9-4f3d-8797-57fd81ae9cd0" ], "8241c39b-5d6f-47b7-a6b2-94c3fcbcbec0": [ "63f5e948-7ea9-4f3d-8797-57fd81ae9cd0" ], "4b90464e-cad2-4c96-b136-1ccbf8aadab7": [ "63f5e948-7ea9-4f3d-8797-57fd81ae9cd0" ], "b6d00dcd-8cf8-40f0-a3e6-0c4c89bccaaf": [ "63f5e948-7ea9-4f3d-8797-57fd81ae9cd0" ], "f73fee45-c58e-4810-8c68-52b4c14ce2cd": [ "63f5e948-7ea9-4f3d-8797-57fd81ae9cd0" ], "e8b79e30-4fac-4dc3-80b6-564daf728aa6": [ "63f5e948-7ea9-4f3d-8797-57fd81ae9cd0" ], "47bb23aa-f217-4d0e-b613-9758912a25e7": [ "63f5e948-7ea9-4f3d-8797-57fd81ae9cd0" ], "146186da-246c-4061-b22c-b02030ae2897": [ "63f5e948-7ea9-4f3d-8797-57fd81ae9cd0" ], "9baab62b-eb2e-437e-a63b-2656b5783b90": [ "376cbbca-4324-4297-93c8-22f6a9e7d82e" ], "22e0d8f2-9550-4e33-ab5b-4bba38e8547a": [ "376cbbca-4324-4297-93c8-22f6a9e7d82e" ], "098731e5-3ffd-434f-9464-2c64a735d178": [ "376cbbca-4324-4297-93c8-22f6a9e7d82e" ], "69fb5b97-d23b-4f7e-a31c-37b34a5f206e": [ "376cbbca-4324-4297-93c8-22f6a9e7d82e" ], "f471f7b0-b9fa-4a7c-af34-3b90a7246c21": [ "376cbbca-4324-4297-93c8-22f6a9e7d82e" ], "f66a7e18-ac57-497e-850b-95829ebd07d6": [ "376cbbca-4324-4297-93c8-22f6a9e7d82e" ], "cf2c182d-33e2-43b3-9b0e-eba37b9b90f3": [ "376cbbca-4324-4297-93c8-22f6a9e7d82e" ], "f7c268ad-4bdc-4c19-af38-87c5454babdf": [ "376cbbca-4324-4297-93c8-22f6a9e7d82e" ], "1cd08f02-871d-49b8-b850-f330bc03a6fd": [ "376cbbca-4324-4297-93c8-22f6a9e7d82e" ], "c9973143-f4a2-4b6d-a611-ce80ef4e060a": [ "376cbbca-4324-4297-93c8-22f6a9e7d82e" ], "b3d28f8f-0e36-4c95-a817-24f73e398134": [ "2d0c1ca0-4851-4f9a-b597-280a22d3b92b" ], "917fcc90-6bfd-47cc-ab26-d566b92cb93e": [ "2d0c1ca0-4851-4f9a-b597-280a22d3b92b" ], "b523f20b-ce98-4a0b-94d1-d2d7b4cec0e1": [ "2d0c1ca0-4851-4f9a-b597-280a22d3b92b" ], "ca54ff0f-0606-4641-8938-ef921930b738": [ "2d0c1ca0-4851-4f9a-b597-280a22d3b92b" ], "b3e690cd-2241-4d8e-b753-e09780bf1de8": [ "2d0c1ca0-4851-4f9a-b597-280a22d3b92b" ], "8d681166-a31c-4a25-b304-8b0344fb1f6b": [ "2d0c1ca0-4851-4f9a-b597-280a22d3b92b" ], "6032ec74-eb7a-4232-8daf-cd85722008c4": [ "2d0c1ca0-4851-4f9a-b597-280a22d3b92b" ], "0b254d55-f6ad-47f3-9cb0-a649a5f82bc6": [ "2d0c1ca0-4851-4f9a-b597-280a22d3b92b" ], "bbf4be2f-a184-4bba-97c1-b3a885ee7c2f": [ "2d0c1ca0-4851-4f9a-b597-280a22d3b92b" ], "de9eaefb-4c97-497f-aa01-251fc36fe186": [ "2d0c1ca0-4851-4f9a-b597-280a22d3b92b" ], "44f427db-c29b-45be-8e81-d55a1541f9a8": [ "a9e62106-6d9e-4995-9c14-1889a869bd04" ], "9aad678f-fbeb-4c3d-810b-df3eed942f16": [ "a9e62106-6d9e-4995-9c14-1889a869bd04" ], "978469b2-5d50-4966-ae2e-9be40528dc8c": [ "a9e62106-6d9e-4995-9c14-1889a869bd04" ], "66ecf49a-cebd-463e-b70d-44d684c649e8": [ "a9e62106-6d9e-4995-9c14-1889a869bd04" ], "10f2448c-df97-4c7c-8e67-f383c580f11b": [ "a9e62106-6d9e-4995-9c14-1889a869bd04" ], "00a1a494-e4d1-416b-aef0-a7dfd6a71aa0": [ "a9e62106-6d9e-4995-9c14-1889a869bd04" ], "dff16f92-9d87-449d-8de8-9e5f75792c3c": [ "a9e62106-6d9e-4995-9c14-1889a869bd04" ], "aa0c7d2a-afef-4297-a1b4-35e95d5d3fd6": [ "a9e62106-6d9e-4995-9c14-1889a869bd04" ], "9fcc9b7a-b108-477c-998e-7cb60e05850e": [ "a9e62106-6d9e-4995-9c14-1889a869bd04" ], "ba258b0b-fadb-4954-b72f-d317d370a7df": [ "a9e62106-6d9e-4995-9c14-1889a869bd04" ], "b0102302-10f2-420b-990d-03f8497e3b38": [ "668c0349-68b4-4336-b9c2-56808c697a9e" ], "5dfd1bf9-c712-4301-b5c0-2c857228f43d": [ "668c0349-68b4-4336-b9c2-56808c697a9e" ], "350fcf40-c8dc-4bf4-81f3-8459cd370be0": [ "668c0349-68b4-4336-b9c2-56808c697a9e" ], "f8d21617-aedc-40bd-9efa-b903e548c1c0": [ "668c0349-68b4-4336-b9c2-56808c697a9e" ], "e8ab2ac9-3bc6-4b3d-8008-f250a76a8661": [ "668c0349-68b4-4336-b9c2-56808c697a9e" ], "75d88c69-c87d-4a04-9a0a-edafad11698b": [ "668c0349-68b4-4336-b9c2-56808c697a9e" ], "3a03c631-fd40-4375-8a2d-8f0a8523819d": [ "668c0349-68b4-4336-b9c2-56808c697a9e" ], "b5ef255e-adcf-40c9-a02b-ebbcf6201e48": [ "668c0349-68b4-4336-b9c2-56808c697a9e" ], "6650ae24-9bfe-42ac-be3f-dbad2c83b670": [ "668c0349-68b4-4336-b9c2-56808c697a9e" ], "27ebb37f-b520-48a0-b2d0-d17e5e204f13": [ "668c0349-68b4-4336-b9c2-56808c697a9e" ], "63447b11-5b66-4d2b-9576-309fc173b59d": [ "4aec74fb-7b0a-43c7-af47-22436571450e" ], "fd632017-cd12-440e-809c-f20aadeca0bb": [ "4aec74fb-7b0a-43c7-af47-22436571450e" ], "8cfbc5b6-4f07-4bd7-8bb6-c1b5acdfc829": [ "4aec74fb-7b0a-43c7-af47-22436571450e" ], "80e2e08a-bc65-442c-b4cc-e6bfcd477463": [ "4aec74fb-7b0a-43c7-af47-22436571450e" ], "fd53f93a-b837-4e55-b9cd-0aa4665533ad": [ "4aec74fb-7b0a-43c7-af47-22436571450e" ], "40023090-31b3-4405-9d91-677d1ed33ce1": [ "4aec74fb-7b0a-43c7-af47-22436571450e" ], "e0fdcd43-59ec-4422-865b-c3b4ae475682": [ "4aec74fb-7b0a-43c7-af47-22436571450e" ], "8a72eca3-0767-4f92-b9f6-f454f9700b0f": [ "4aec74fb-7b0a-43c7-af47-22436571450e" ], "d3b76988-b9d8-404b-8f7e-05537d9cc3c7": [ "4aec74fb-7b0a-43c7-af47-22436571450e" ], "0f4f3f01-7c6f-4699-b0ae-a5bf518d789c": [ "4aec74fb-7b0a-43c7-af47-22436571450e" ], "c9c160e8-a7b0-43a2-adfe-de7c643dd66c": [ "37dd7042-89b4-4684-b74a-fdc20407b05a" ], "3cf9771e-84e5-408b-be64-f00d33afc415": [ "37dd7042-89b4-4684-b74a-fdc20407b05a" ], "8dfdc679-048f-4973-9d84-3676c2ab7849": [ "37dd7042-89b4-4684-b74a-fdc20407b05a" ], "ef1b6f48-5d23-488c-af16-a463918b6e85": [ "37dd7042-89b4-4684-b74a-fdc20407b05a" ], "bb3ab98e-eab0-46fd-a56e-baf693b67e93": [ "37dd7042-89b4-4684-b74a-fdc20407b05a" ], "cf215193-d38b-4b59-8110-6e897361f968": [ "37dd7042-89b4-4684-b74a-fdc20407b05a" ], "4f24567f-b4b4-4ceb-9543-063c90b6d81b": [ "37dd7042-89b4-4684-b74a-fdc20407b05a" ], "9a81ad36-ea65-4e9c-99bf-ccfb705b2b3f": [ "37dd7042-89b4-4684-b74a-fdc20407b05a" ], "41029485-0543-48a3-96b6-213b05300e3f": [ "37dd7042-89b4-4684-b74a-fdc20407b05a" ], "5c05daf3-8605-414a-9ec1-4e52341402ca": [ "37dd7042-89b4-4684-b74a-fdc20407b05a" ], "2f62f3d6-c3f9-4fe9-9903-eca2be017504": [ "8937da42-039e-474b-bfd9-4f8ee2139e8c" ], "68b2286c-aeb5-47b4-b0ea-8376c74e8d2a": [ "8937da42-039e-474b-bfd9-4f8ee2139e8c" ], "8dad8316-16c2-411a-8f7e-a11c6666b7e0": [ "8937da42-039e-474b-bfd9-4f8ee2139e8c" ], "93a23b6f-ce42-4ffa-b283-07d2f0078737": [ "8937da42-039e-474b-bfd9-4f8ee2139e8c" ], "9c5c876c-d4bb-4641-a817-dd3822c36061": [ "8937da42-039e-474b-bfd9-4f8ee2139e8c" ], "18787a55-7fdc-4257-adaa-1086071bb968": [ "8937da42-039e-474b-bfd9-4f8ee2139e8c" ], "47c3d99b-7bc3-4c6a-8da9-a66d7ff5b062": [ "8937da42-039e-474b-bfd9-4f8ee2139e8c" ], "a41df619-5b8c-4818-8971-040aee636fb0": [ "8937da42-039e-474b-bfd9-4f8ee2139e8c" ], "c3e39a77-b9d8-4fa6-a75e-4ed07b86233d": [ "8937da42-039e-474b-bfd9-4f8ee2139e8c" ], "0c3b6cf2-7dc8-4699-8f2f-3e68c297cd82": [ "8937da42-039e-474b-bfd9-4f8ee2139e8c" ], "4bc403f3-a440-49a2-93c2-c314377c000e": [ "ead76aa0-6bd0-4bbf-b332-47ba0eebedc6" ], "169d0bf9-5b03-4983-8b47-4fd9acdfc48f": [ "ead76aa0-6bd0-4bbf-b332-47ba0eebedc6" ], "041643d3-493c-4313-8cf6-2d3055af6c3e": [ "ead76aa0-6bd0-4bbf-b332-47ba0eebedc6" ], "3400942e-a7fe-4db2-babc-c9db9212b322": [ "ead76aa0-6bd0-4bbf-b332-47ba0eebedc6" ], "54748e91-4ec0-4ab0-ae03-d5fff3545ff5": [ "ead76aa0-6bd0-4bbf-b332-47ba0eebedc6" ], "3ebd81ce-682d-4494-ba03-69532f082523": [ "ead76aa0-6bd0-4bbf-b332-47ba0eebedc6" ], "e9a0a389-8636-4e4a-9234-6c11a480e81c": [ "ead76aa0-6bd0-4bbf-b332-47ba0eebedc6" ], "6aa5913a-5a6b-4e47-80c3-5ba8ff3e88b1": [ "ead76aa0-6bd0-4bbf-b332-47ba0eebedc6" ], "1c46f85a-7a19-4f5b-9639-37523ac58023": [ "ead76aa0-6bd0-4bbf-b332-47ba0eebedc6" ], "ea930e83-525a-447a-9e31-8539a571e22f": [ "ead76aa0-6bd0-4bbf-b332-47ba0eebedc6" ], "2fc6ac38-c5bf-4c91-b678-bc1630efe2e4": [ "8fae58e6-3402-40ba-9a0f-b64a166dd0dd" ], "448d01d1-7184-47f2-ad32-d0468aaa39b0": [ "8fae58e6-3402-40ba-9a0f-b64a166dd0dd" ], "34ca2eda-efae-436d-bd62-4aaa9d0f7ee1": [ "8fae58e6-3402-40ba-9a0f-b64a166dd0dd" ], "6f09dec8-0c4f-47a3-9275-c12b534640c2": [ "8fae58e6-3402-40ba-9a0f-b64a166dd0dd" ], "6c9ceba0-37c4-4ec1-8d91-1c053a34316d": [ "8fae58e6-3402-40ba-9a0f-b64a166dd0dd" ], "145b9cd1-f23d-4f10-8c99-9f3d72bea2c4": [ "8fae58e6-3402-40ba-9a0f-b64a166dd0dd" ], "9cbf6844-fbfd-4da4-80e9-677539ce283a": [ "8fae58e6-3402-40ba-9a0f-b64a166dd0dd" ], "9e2e8f97-300c-466a-a7d1-9f7fbf44d333": [ "8fae58e6-3402-40ba-9a0f-b64a166dd0dd" ], "a938e609-98e9-4fdc-ae42-5c44cd748ce6": [ "8fae58e6-3402-40ba-9a0f-b64a166dd0dd" ], "47d91b12-c908-4fa0-ae42-79b3e770ec17": [ "8fae58e6-3402-40ba-9a0f-b64a166dd0dd" ], "a6d73efb-1501-4b4d-8ce0-73ceb878ee95": [ "7df5fa7b-f614-41d5-8d31-14f2c4332d7a" ], "66192280-2ae4-46fc-818d-576d854cc96a": [ "7df5fa7b-f614-41d5-8d31-14f2c4332d7a" ], "9cb5ed93-56d9-42a7-8b35-00efa476b959": [ "7df5fa7b-f614-41d5-8d31-14f2c4332d7a" ], "a422d513-ff76-4aa1-820f-165b59cd0d73": [ "7df5fa7b-f614-41d5-8d31-14f2c4332d7a" ], "ea1c79ed-4cd2-44d8-83eb-19f502266811": [ "7df5fa7b-f614-41d5-8d31-14f2c4332d7a" ], "6d257370-937e-4236-9642-8d564fed91e0": [ "7df5fa7b-f614-41d5-8d31-14f2c4332d7a" ], "13fe4f35-2137-4779-b669-138abf20b727": [ "7df5fa7b-f614-41d5-8d31-14f2c4332d7a" ], "9f5fdd63-6613-4226-89da-45b54c3d0a5a": [ "7df5fa7b-f614-41d5-8d31-14f2c4332d7a" ], "096acd14-59ce-42ec-8ca9-3ab57b2c1a20": [ "7df5fa7b-f614-41d5-8d31-14f2c4332d7a" ], "f75e43b6-d055-478d-a642-c588da204f41": [ "7df5fa7b-f614-41d5-8d31-14f2c4332d7a" ], "9b6927bd-8def-4d1d-b7e6-e836920d28ff": [ "f2e22658-e06d-4647-a8ee-c97cf427c22f" ], "e8eb4f28-e426-4f86-acc3-4f68e5ad52ff": [ "f2e22658-e06d-4647-a8ee-c97cf427c22f" ], "df44fdfd-4c87-445b-9b41-a40a50d40f9f": [ "f2e22658-e06d-4647-a8ee-c97cf427c22f" ], "c67573fe-c994-4330-ae1f-58d41dcb557b": [ "f2e22658-e06d-4647-a8ee-c97cf427c22f" ], "b5c5f48a-8f08-417b-82b1-db1d6fbc6f02": [ "f2e22658-e06d-4647-a8ee-c97cf427c22f" ], "3cb4a9df-d154-496e-9778-1d491288f262": [ "f2e22658-e06d-4647-a8ee-c97cf427c22f" ], "abfd26e3-cdd4-4c9d-ac00-c0b804887e96": [ "f2e22658-e06d-4647-a8ee-c97cf427c22f" ], "678b8b16-0370-4d9d-931f-d5ae006ce6fe": [ "f2e22658-e06d-4647-a8ee-c97cf427c22f" ], "06033259-56f8-4381-a39d-15634b563e4f": [ "f2e22658-e06d-4647-a8ee-c97cf427c22f" ], "742bb970-b221-44db-ac38-0298fae4ed05": [ "f2e22658-e06d-4647-a8ee-c97cf427c22f" ], "1fbfd31d-4a0d-4727-8684-a99e90ae053d": [ "e055e97c-3ac9-4c4a-b421-cbc62a355ae0" ], "c847fb94-72f9-4515-8e40-eb76f9bb7e2c": [ "e055e97c-3ac9-4c4a-b421-cbc62a355ae0" ], "a08a03ec-d4f8-4429-bb13-6c226a9b1f0c": [ "e055e97c-3ac9-4c4a-b421-cbc62a355ae0" ], "e77645cc-17d7-4d11-8c9e-e6f0580dfa08": [ "e055e97c-3ac9-4c4a-b421-cbc62a355ae0" ], "a194ece3-207b-4f2f-bc7d-c58cf53d48f0": [ "e055e97c-3ac9-4c4a-b421-cbc62a355ae0" ], "1ec01821-4cd8-4b58-9c3c-07936697021a": [ "e055e97c-3ac9-4c4a-b421-cbc62a355ae0" ], "d2c8f1f0-2dc6-46c7-9c99-6cdd1e811bb5": [ "e055e97c-3ac9-4c4a-b421-cbc62a355ae0" ], "769d28fa-f2bb-41c9-a8fa-ffbcaf93d978": [ "e055e97c-3ac9-4c4a-b421-cbc62a355ae0" ], "788f2f3f-c24c-4d5b-9966-7aab73ad40aa": [ "e055e97c-3ac9-4c4a-b421-cbc62a355ae0" ], "6859806a-4f04-45b3-9bf4-3a4d7dc02d7f": [ "e055e97c-3ac9-4c4a-b421-cbc62a355ae0" ], "537889a5-6244-4199-949d-f165f1f21a97": [ "a14c0eb8-b204-49c5-bf9c-cee4ee31780d" ], "32e93525-bc6c-4f95-ad34-d6f8b4eeb9d2": [ "a14c0eb8-b204-49c5-bf9c-cee4ee31780d" ], "14930ae0-9d81-4894-94f1-0009d14308e6": [ "a14c0eb8-b204-49c5-bf9c-cee4ee31780d" ], "79174c20-f89e-476c-a210-c0b753011df2": [ "a14c0eb8-b204-49c5-bf9c-cee4ee31780d" ], "75aaff10-6cbc-4bd5-a1ad-dcc04d64fa2b": [ "a14c0eb8-b204-49c5-bf9c-cee4ee31780d" ], "f212f73b-09ad-4dc4-b8f4-79952b3b5aac": [ "a14c0eb8-b204-49c5-bf9c-cee4ee31780d" ], "404c14fa-73eb-4250-9394-f346d7f1268f": [ "a14c0eb8-b204-49c5-bf9c-cee4ee31780d" ], "dc9629ec-577a-4ce1-a456-46763602ee15": [ "a14c0eb8-b204-49c5-bf9c-cee4ee31780d" ], "0a3ffc53-1400-46fb-b3a4-79c907dba630": [ "a14c0eb8-b204-49c5-bf9c-cee4ee31780d" ], "3b09041b-605e-4153-89e1-7dffb5a3f699": [ "a14c0eb8-b204-49c5-bf9c-cee4ee31780d" ], "0493e314-d69b-49a0-a3be-6de235c306d5": [ "d2345348-246d-4158-9828-a8b86a7f396a" ], "d3d283ee-0649-48ad-b745-57b237d14c48": [ "d2345348-246d-4158-9828-a8b86a7f396a" ], "087ce631-e4fe-4ef8-8392-557b61ed9a7e": [ "d2345348-246d-4158-9828-a8b86a7f396a" ], "95f6175f-7108-4949-838b-6294b5a0daba": [ "d2345348-246d-4158-9828-a8b86a7f396a" ], "e188c051-1700-45b7-9bcf-7db7da714639": [ "d2345348-246d-4158-9828-a8b86a7f396a" ], "9095c8b7-1127-407e-b95f-af211227007f": [ "d2345348-246d-4158-9828-a8b86a7f396a" ], "01d4a00f-01e4-4727-bf6f-75e1a441594a": [ "d2345348-246d-4158-9828-a8b86a7f396a" ], "dfc0b388-7f2e-4795-9b36-618485c844f2": [ "d2345348-246d-4158-9828-a8b86a7f396a" ], "342452d1-8aad-4de7-80a8-58a03d5ecae1": [ "d2345348-246d-4158-9828-a8b86a7f396a" ], "1336683c-d6e1-47af-9f59-27d01eda53f6": [ "d2345348-246d-4158-9828-a8b86a7f396a" ], "e38a2a34-fa4d-480b-a93a-0c092733fa73": [ "0acf3228-28c4-4d73-b2c0-d8400a2523db" ], "efacd3b2-1ac7-4e51-9b07-2219d1fae0cf": [ "0acf3228-28c4-4d73-b2c0-d8400a2523db" ], "d82dfe08-559f-4fa3-a228-e0c0a34b4115": [ "0acf3228-28c4-4d73-b2c0-d8400a2523db" ], "86fc9621-f3ca-48b8-9fa2-fac7dcd473d5": [ "0acf3228-28c4-4d73-b2c0-d8400a2523db" ], "448d8456-9a91-46ea-bfb4-c81113f85c3d": [ "0acf3228-28c4-4d73-b2c0-d8400a2523db" ], "05edb26d-e7f0-4dd1-9951-a3e1710d0968": [ "0acf3228-28c4-4d73-b2c0-d8400a2523db" ], "db232aab-8f53-4ac9-b184-6cc063dbc12c": [ "0acf3228-28c4-4d73-b2c0-d8400a2523db" ], "2c47f44b-8cd5-47c5-ad6e-f30503cd2964": [ "0acf3228-28c4-4d73-b2c0-d8400a2523db" ], "8c5aa6f8-c3d3-4585-9c69-434f8827b5b3": [ "0acf3228-28c4-4d73-b2c0-d8400a2523db" ], "3c3262be-e052-40d3-887c-9c60a148b54e": [ "0acf3228-28c4-4d73-b2c0-d8400a2523db" ], "0a15b132-3fa8-4dd2-a588-32e4397f236c": [ "d1942d6b-635e-44ef-bbde-ad8dc732b8fa" ], "ed16c01b-dc59-4bfe-81fa-3da6ee843f51": [ "d1942d6b-635e-44ef-bbde-ad8dc732b8fa" ], "7e9df1f5-b8ca-4551-8a59-7b41085059a8": [ "d1942d6b-635e-44ef-bbde-ad8dc732b8fa" ], "29b02a78-6212-4f2c-bffa-ccb425899880": [ "d1942d6b-635e-44ef-bbde-ad8dc732b8fa" ], "44360a62-e9ba-4e14-bda1-9144fc265b42": [ "d1942d6b-635e-44ef-bbde-ad8dc732b8fa" ], "86cab03b-4b96-4678-a6fd-59d5d05cc3b9": [ "d1942d6b-635e-44ef-bbde-ad8dc732b8fa" ], "e736fc5c-226a-43ca-b261-33233eb7b7a4": [ "d1942d6b-635e-44ef-bbde-ad8dc732b8fa" ], "314d05e9-7cbe-4ad9-8712-70e365843ef1": [ "d1942d6b-635e-44ef-bbde-ad8dc732b8fa" ], "5d66f999-71a6-4b66-9ce4-0766eeb07e2e": [ "d1942d6b-635e-44ef-bbde-ad8dc732b8fa" ], "e5bbbaa6-ef11-4c34-9e3b-fe12ae47787e": [ "d1942d6b-635e-44ef-bbde-ad8dc732b8fa" ], "c86ae2f8-59ca-4c41-b546-9171b1d890e8": [ "2e44acd2-616a-442b-9cd1-b5a499ba4a2b" ], "830d008d-57b5-4ee4-9411-1df5c70f93a3": [ "2e44acd2-616a-442b-9cd1-b5a499ba4a2b" ], "9e4c7c79-a048-455b-98ee-c34aed490880": [ "2e44acd2-616a-442b-9cd1-b5a499ba4a2b" ], "971bfb1f-64aa-40aa-a492-d2c3a1aae493": [ "2e44acd2-616a-442b-9cd1-b5a499ba4a2b" ], "d7eefa7d-5b6b-47b0-9a97-0be96a52a4b3": [ "2e44acd2-616a-442b-9cd1-b5a499ba4a2b" ], "e8923e66-2778-4d3a-b388-d10fa79c691a": [ "2e44acd2-616a-442b-9cd1-b5a499ba4a2b" ], "b98c3139-d526-4f5a-be68-f67df6ec060c": [ "2e44acd2-616a-442b-9cd1-b5a499ba4a2b" ], "e8abe69f-a6c3-476c-bad9-61d5927ee883": [ "2e44acd2-616a-442b-9cd1-b5a499ba4a2b" ], "2630adfc-8263-4757-b38a-740a0e48bf85": [ "2e44acd2-616a-442b-9cd1-b5a499ba4a2b" ], "7068de70-b13f-46a0-a1b2-65d6947ddbeb": [ "2e44acd2-616a-442b-9cd1-b5a499ba4a2b" ], "d59df333-1bea-4dd8-a4ca-c36d9807eff5": [ "c03616b2-0c6d-470c-b59f-0365db9fa6bd" ], "2e35c20e-46cd-4fa2-b7af-2eb92090fc60": [ "c03616b2-0c6d-470c-b59f-0365db9fa6bd" ], "85df6ee9-fdf3-41a7-aad3-af6af567b24d": [ "c03616b2-0c6d-470c-b59f-0365db9fa6bd" ], "c4f968cc-4f66-4a30-844d-8e5ebddc8d09": [ "c03616b2-0c6d-470c-b59f-0365db9fa6bd" ], "38f5774d-3056-44f1-a9f5-90769227f608": [ "c03616b2-0c6d-470c-b59f-0365db9fa6bd" ], "ff7c816b-bce5-4869-9c73-55a416499d53": [ "c03616b2-0c6d-470c-b59f-0365db9fa6bd" ], "2be2dde9-9468-4ae9-870a-2ac79f5c8650": [ "c03616b2-0c6d-470c-b59f-0365db9fa6bd" ], "3494d541-196e-45ea-abcc-f0f969f6a4f1": [ "c03616b2-0c6d-470c-b59f-0365db9fa6bd" ], "7b16782d-7b9e-4c76-8981-862d1059e344": [ "c03616b2-0c6d-470c-b59f-0365db9fa6bd" ], "a7d2a3af-f4f5-43b9-bc88-9157094e1ed4": [ "c03616b2-0c6d-470c-b59f-0365db9fa6bd" ], "5295f87d-c385-4bb3-8310-bbf50c5aa5db": [ "d45b8e85-b5fa-4385-b536-5059ed90b038" ], "60b793fc-1bb2-4c8d-9bef-c70c85f3a9d1": [ "d45b8e85-b5fa-4385-b536-5059ed90b038" ], "27d82dc3-d92a-4a67-850a-031ef2ab221e": [ "d45b8e85-b5fa-4385-b536-5059ed90b038" ], "4a161ca8-804d-4694-8dc5-5ef7bbf35ca7": [ "d45b8e85-b5fa-4385-b536-5059ed90b038" ], "616b7421-6dd1-490a-8e2c-f987e8ec38a5": [ "d45b8e85-b5fa-4385-b536-5059ed90b038" ], "1cc20b38-b21d-45e6-9d4d-087a08c1bf80": [ "d45b8e85-b5fa-4385-b536-5059ed90b038" ], "e2599adf-e676-4b7a-a3ee-9aecb116d4ab": [ "d45b8e85-b5fa-4385-b536-5059ed90b038" ], "fc65fad4-fe22-447b-b71a-cd767e931c00": [ "d45b8e85-b5fa-4385-b536-5059ed90b038" ], "56bd7155-cf8b-40c2-a115-72c76f09d8ce": [ "d45b8e85-b5fa-4385-b536-5059ed90b038" ], "de5bc524-0c19-498f-8530-b8ea5947d2b6": [ "d45b8e85-b5fa-4385-b536-5059ed90b038" ], "a6d52c9a-f992-46e6-8c94-08ef7694a061": [ "45b38adc-e6dc-416f-aedf-3e04bc2d7283" ], "3e091958-c490-47e5-890a-77b38002e557": [ "45b38adc-e6dc-416f-aedf-3e04bc2d7283" ], "adbc63d2-6680-451f-b9cc-7f11a7df77d0": [ "45b38adc-e6dc-416f-aedf-3e04bc2d7283" ], "ef34eee8-2b13-4f30-95ef-cc3508870741": [ "45b38adc-e6dc-416f-aedf-3e04bc2d7283" ], "7ee28e62-d09d-4c24-a97c-1575ff20466b": [ "45b38adc-e6dc-416f-aedf-3e04bc2d7283" ], "93148011-1227-4da3-afd7-11692745a89d": [ "45b38adc-e6dc-416f-aedf-3e04bc2d7283" ], "21b77abc-ad27-4e15-80ae-6634fcc426d3": [ "45b38adc-e6dc-416f-aedf-3e04bc2d7283" ], "b0f56f8c-e44e-4ae2-b73d-8508280272f5": [ "45b38adc-e6dc-416f-aedf-3e04bc2d7283" ], "153f7ea8-3e04-4d8f-8fd2-339f7ef0c96e": [ "45b38adc-e6dc-416f-aedf-3e04bc2d7283" ], "a61679e4-3f86-4b16-b15f-03685db2a932": [ "45b38adc-e6dc-416f-aedf-3e04bc2d7283" ], "d37f70db-1ee2-4b09-9b5d-59d6b9951956": [ "27ac2245-b799-43e2-8caf-74f910d2999a" ], "a28e3786-78a9-4504-bf3a-1aa0c1da1fc7": [ "27ac2245-b799-43e2-8caf-74f910d2999a" ], "9f1cff4a-6adf-4503-8cb8-4f1af5b040b0": [ "27ac2245-b799-43e2-8caf-74f910d2999a" ], "5a38453c-2ad7-4a0b-b324-7c3baa385b47": [ "27ac2245-b799-43e2-8caf-74f910d2999a" ], "e5f16ece-a285-4403-b6d2-f1820cf5d929": [ "27ac2245-b799-43e2-8caf-74f910d2999a" ], "5e6683ff-b2cc-43af-bf7e-d78d55a89e02": [ "27ac2245-b799-43e2-8caf-74f910d2999a" ], "3eeca6ab-4ed2-4817-be09-7eda93f30831": [ "27ac2245-b799-43e2-8caf-74f910d2999a" ], "bdcc27be-b6c0-4716-9533-c78f4c15a023": [ "27ac2245-b799-43e2-8caf-74f910d2999a" ], "607fc29c-e48c-451c-8f18-bb71523587af": [ "27ac2245-b799-43e2-8caf-74f910d2999a" ], "03f8e63e-c5e6-4a13-a9c8-bc25d061e756": [ "27ac2245-b799-43e2-8caf-74f910d2999a" ], "269b597e-6b8f-4f54-afc1-244c98129666": [ "e76985a1-8513-43d7-ae8c-cb3a6367a735" ], "c180a042-901e-4f7c-88aa-426f2e19d53e": [ "e76985a1-8513-43d7-ae8c-cb3a6367a735" ], "2e1f9521-15fa-4135-a3c3-34a9458ab3ba": [ "e76985a1-8513-43d7-ae8c-cb3a6367a735" ], "149ae7ad-ed43-4085-94a1-badc0bcb40ff": [ "e76985a1-8513-43d7-ae8c-cb3a6367a735" ], "753562ce-fc1d-428c-8875-4a2d5eaca053": [ "e76985a1-8513-43d7-ae8c-cb3a6367a735" ], "63acab2d-4a3f-48d2-a9c1-e72d4ec7acb8": [ "e76985a1-8513-43d7-ae8c-cb3a6367a735" ], "e3e03b26-032a-401e-8a0d-a260f6d9c79b": [ "e76985a1-8513-43d7-ae8c-cb3a6367a735" ], "7aa63bb4-5722-4959-88fb-d342db6beb7f": [ "e76985a1-8513-43d7-ae8c-cb3a6367a735" ], "ed7fbfed-834e-48d7-a5cf-44747e11ff02": [ "e76985a1-8513-43d7-ae8c-cb3a6367a735" ], "c77866f2-4c7a-460b-b8e5-c97588add122": [ "e76985a1-8513-43d7-ae8c-cb3a6367a735" ], "3196bc9b-0b2e-42ad-95b2-45a756d0935f": [ "19e4f05e-c8f6-4531-a861-3206257ab73c" ], "ecc30004-e829-4648-93f3-cc674ecd57d4": [ "19e4f05e-c8f6-4531-a861-3206257ab73c" ], "112704d9-5441-4248-97a3-1374ab62eb1a": [ "19e4f05e-c8f6-4531-a861-3206257ab73c" ], "c13a2a45-597f-4eb7-8020-370905a5307a": [ "19e4f05e-c8f6-4531-a861-3206257ab73c" ], "f8517ad0-f270-4388-bb2a-07c7fa9e5d13": [ "19e4f05e-c8f6-4531-a861-3206257ab73c" ], "9bf11fc9-377e-479a-b43a-bd84a035ffb0": [ "19e4f05e-c8f6-4531-a861-3206257ab73c" ], "3802d7d3-f685-49a9-9a0b-e546d07a0f80": [ "19e4f05e-c8f6-4531-a861-3206257ab73c" ], "4cf7c925-5de9-43e6-b39f-b93f9f374acf": [ "19e4f05e-c8f6-4531-a861-3206257ab73c" ], "643c5879-39aa-49d0-9b5f-ec42124d30e4": [ "19e4f05e-c8f6-4531-a861-3206257ab73c" ], "e48a6175-9038-48c1-9a30-97bcfac23e98": [ "19e4f05e-c8f6-4531-a861-3206257ab73c" ], "1ffe16eb-38dd-43a3-a1cb-1b34ffa638b6": [ "7d80c579-0ae7-47bf-9868-0d4340e3c68d" ], "f96b1bfb-0175-4ca7-9fa6-9477612d3b0d": [ "7d80c579-0ae7-47bf-9868-0d4340e3c68d" ], "f0806114-77b9-45ca-88a2-b3905ada7d11": [ "7d80c579-0ae7-47bf-9868-0d4340e3c68d" ], "e716b449-a827-47ff-abd6-0910010eab9a": [ "7d80c579-0ae7-47bf-9868-0d4340e3c68d" ], "7448ad4c-8ec6-4d3c-a23e-464dee9a7460": [ "7d80c579-0ae7-47bf-9868-0d4340e3c68d" ], "f9c1b828-bbef-457b-9357-9f62267c9ddf": [ "7d80c579-0ae7-47bf-9868-0d4340e3c68d" ], "f5d8b99e-dd48-4952-8d3c-7fb680922cc3": [ "7d80c579-0ae7-47bf-9868-0d4340e3c68d" ], "bc947a9d-0a5d-47cb-b477-b24d616bc83c": [ "7d80c579-0ae7-47bf-9868-0d4340e3c68d" ], "cdfecb1d-d992-476b-8dbb-38be8a2c0c37": [ "7d80c579-0ae7-47bf-9868-0d4340e3c68d" ], "5671887e-e528-49a9-8bca-ac2eadd36a75": [ "7d80c579-0ae7-47bf-9868-0d4340e3c68d" ], "2ce4370a-4364-42b7-bc01-ed97dc38608a": [ "c3583b47-aa8c-47b5-9e17-ba96ff614576" ], "5d719dad-921a-4991-aa3d-1b01606a6ccc": [ "c3583b47-aa8c-47b5-9e17-ba96ff614576" ], "2512b6a4-7562-4deb-b908-b4d8674697ae": [ "c3583b47-aa8c-47b5-9e17-ba96ff614576" ], "7e95b6ea-5b99-447d-81b7-ec72da4925d9": [ "c3583b47-aa8c-47b5-9e17-ba96ff614576" ], "319c0364-4482-4a1d-ae5d-838a280ee056": [ "c3583b47-aa8c-47b5-9e17-ba96ff614576" ], "b2166247-2942-449e-8406-05ad888105a9": [ "c3583b47-aa8c-47b5-9e17-ba96ff614576" ], "aaac7cc3-e91d-4aa0-b305-05c66f212356": [ "c3583b47-aa8c-47b5-9e17-ba96ff614576" ], "df7fa898-e8fa-4ae6-9d0e-b3e072170484": [ "c3583b47-aa8c-47b5-9e17-ba96ff614576" ], "ec256290-7725-4411-b1fb-f79f3f1f23f0": [ "c3583b47-aa8c-47b5-9e17-ba96ff614576" ], "e2a538d7-132e-4034-ac6b-c59d96daef6b": [ "c3583b47-aa8c-47b5-9e17-ba96ff614576" ], "6b94fdf2-b95e-45eb-bf1b-f62e1bed2437": [ "f38f412a-d6ca-4c07-975c-e605fba6c7b4" ], "48108f58-c065-41cb-a08a-75856f62bb37": [ "f38f412a-d6ca-4c07-975c-e605fba6c7b4" ], "815f14b4-5de5-46c5-8b09-adabd9f8312a": [ "f38f412a-d6ca-4c07-975c-e605fba6c7b4" ], "faa3c281-72e9-47f4-9ea2-8716bbe37b3b": [ "f38f412a-d6ca-4c07-975c-e605fba6c7b4" ], "c35e1e2c-3475-4f02-bd92-6d0082a2672c": [ "f38f412a-d6ca-4c07-975c-e605fba6c7b4" ], "2ee9cf84-8942-41a6-a7cf-5e1102c0b150": [ "f38f412a-d6ca-4c07-975c-e605fba6c7b4" ], "ffa6bc0d-debb-4995-8a1e-95c92d7f0a3c": [ "f38f412a-d6ca-4c07-975c-e605fba6c7b4" ], "d0b57cac-9f9a-4df7-bb30-2b59b236bbec": [ "f38f412a-d6ca-4c07-975c-e605fba6c7b4" ], "b607aa92-e1bf-422c-827b-60135cf15d97": [ "f38f412a-d6ca-4c07-975c-e605fba6c7b4" ], "2ca75fd5-adac-4f68-b3d2-7d24bd4328a6": [ "f38f412a-d6ca-4c07-975c-e605fba6c7b4" ], "afab6525-524d-46dc-b9c9-6f70be77da16": [ "dd56606e-9ed6-4cd0-af98-906959753939" ], "89d7661f-ac90-42cb-8299-e9f5a5808d38": [ "dd56606e-9ed6-4cd0-af98-906959753939" ], "f65f2bac-246a-4aff-bd53-1a2b17f026f1": [ "dd56606e-9ed6-4cd0-af98-906959753939" ], "7bc692ed-333f-49b3-a2b4-e4cf6e2cdeef": [ "dd56606e-9ed6-4cd0-af98-906959753939" ], "0c732e4a-f26e-4d7f-a4cf-03dd750b4b71": [ "dd56606e-9ed6-4cd0-af98-906959753939" ], "521211f8-bc11-41b6-bca5-0e23fe9269fe": [ "dd56606e-9ed6-4cd0-af98-906959753939" ], "3d1d42da-436e-42ba-b10a-a4ec4512371d": [ "dd56606e-9ed6-4cd0-af98-906959753939" ], "d9ae9073-3cd6-4089-8f83-89bafee53a98": [ "dd56606e-9ed6-4cd0-af98-906959753939" ], "8379b7c9-2eda-4821-8e72-49d597781b5b": [ "dd56606e-9ed6-4cd0-af98-906959753939" ], "e90e025f-27ec-419c-9d5b-9b2678dd9cd5": [ "dd56606e-9ed6-4cd0-af98-906959753939" ], "a38d9efe-bd10-40ee-a1a7-630495a8e4a1": [ "8b7c9364-6e0f-4404-8f49-6cda48805b31" ], "0545909b-a448-4b84-8c2e-acdca22daf7c": [ "8b7c9364-6e0f-4404-8f49-6cda48805b31" ], "ee909acd-a4cc-4f17-95d4-f76e7fa36aa7": [ "8b7c9364-6e0f-4404-8f49-6cda48805b31" ], "ae5346bf-965b-4216-83cf-efef9a24e578": [ "8b7c9364-6e0f-4404-8f49-6cda48805b31" ], "cecffd8a-0935-49c2-b9b4-95b2cd2a3ba1": [ "8b7c9364-6e0f-4404-8f49-6cda48805b31" ], "e0138ac3-c04b-409a-9e1b-8c92d92fc703": [ "8b7c9364-6e0f-4404-8f49-6cda48805b31" ], "6ed3d301-70f3-488d-88a5-c3517a90e8ea": [ "8b7c9364-6e0f-4404-8f49-6cda48805b31" ], "1d2fedfa-2dba-4b4d-aef9-76d053d7b8e2": [ "8b7c9364-6e0f-4404-8f49-6cda48805b31" ], "4038ed9f-d1cd-43e2-a219-312abea82c8d": [ "8b7c9364-6e0f-4404-8f49-6cda48805b31" ], "af0e7962-b909-4bd1-9e02-c7af71344797": [ "8b7c9364-6e0f-4404-8f49-6cda48805b31" ], "355939c6-0f37-4cbb-af0c-e0638ee64172": [ "c406072e-03a5-478d-8a77-52d72c92760c" ], "ab9e307f-515b-4e04-bc83-f317776ccf24": [ "c406072e-03a5-478d-8a77-52d72c92760c" ], "44491af7-323d-43f3-aa1a-e11dc0e03d93": [ "c406072e-03a5-478d-8a77-52d72c92760c" ], "93e26d30-bd63-4b27-8055-5616cb82bad5": [ "c406072e-03a5-478d-8a77-52d72c92760c" ], "037239c1-7794-4393-b2ad-97221a58b6fb": [ "c406072e-03a5-478d-8a77-52d72c92760c" ], "4bbf549a-4b94-4723-9804-4ff7a163f402": [ "c406072e-03a5-478d-8a77-52d72c92760c" ], "56b83600-663a-4de4-b08f-5eafdd0278d5": [ "c406072e-03a5-478d-8a77-52d72c92760c" ], "2304d2ff-5def-443e-aa22-9bdaf034032e": [ "c406072e-03a5-478d-8a77-52d72c92760c" ], "e5d198f5-d62d-46c7-8fae-dc723ab50d1d": [ "c406072e-03a5-478d-8a77-52d72c92760c" ], "a3b139ea-c07e-4281-bdbe-db5bb6477670": [ "c406072e-03a5-478d-8a77-52d72c92760c" ], "7edf2be1-5bdc-416d-8da3-77cc26cddb22": [ "12e4a385-5ba3-414e-8530-4c492ba47803" ], "f793a764-d867-41f1-9343-e0813d0229a7": [ "12e4a385-5ba3-414e-8530-4c492ba47803" ], "b54154c0-5f5c-43e2-a306-129665939607": [ "12e4a385-5ba3-414e-8530-4c492ba47803" ], "fe1ca0e6-0959-4dda-ac19-d4597abf5565": [ "12e4a385-5ba3-414e-8530-4c492ba47803" ], "c002db8f-95e8-4672-9d1a-3d2513b6acd6": [ "12e4a385-5ba3-414e-8530-4c492ba47803" ], "0ad8b230-5b0c-4111-b8a8-9ae54187c305": [ "12e4a385-5ba3-414e-8530-4c492ba47803" ], "d2b26a4b-d7de-4ecc-8988-381141162509": [ "12e4a385-5ba3-414e-8530-4c492ba47803" ], "74163092-3618-4eef-bea8-94292adac806": [ "12e4a385-5ba3-414e-8530-4c492ba47803" ], "f162507c-2a56-4810-b161-8a6f2642c9c7": [ "12e4a385-5ba3-414e-8530-4c492ba47803" ], "3538722d-3a75-4dac-a700-d6374651eb3f": [ "12e4a385-5ba3-414e-8530-4c492ba47803" ], "9f94812e-3f20-4e1c-92f9-f5ed9de6021b": [ "fa168c8b-9fa4-4caf-9253-0b147634fce8" ], "a01ab292-ac0b-4108-81d9-dbca1e34e62e": [ "fa168c8b-9fa4-4caf-9253-0b147634fce8" ], "e98acdfd-56c8-4702-b868-ad23ae1b10a8": [ "fa168c8b-9fa4-4caf-9253-0b147634fce8" ], "fc662da9-c728-474a-8c71-549a0a868ec0": [ "fa168c8b-9fa4-4caf-9253-0b147634fce8" ], "95cabcae-8c53-41ed-bf91-a9ffe4ead440": [ "fa168c8b-9fa4-4caf-9253-0b147634fce8" ], "6fbb744f-f122-4840-b098-e40d8e93e04a": [ "fa168c8b-9fa4-4caf-9253-0b147634fce8" ], "38440a58-2f58-4123-a4cb-647261fbecf3": [ "fa168c8b-9fa4-4caf-9253-0b147634fce8" ], "f74078a3-6e66-468f-9b8e-6567f162a2cd": [ "fa168c8b-9fa4-4caf-9253-0b147634fce8" ], "49754265-6f8c-46b4-88fb-f620efa952a7": [ "fa168c8b-9fa4-4caf-9253-0b147634fce8" ], "0745e68c-f13e-459c-a32d-dfb89bca2041": [ "fa168c8b-9fa4-4caf-9253-0b147634fce8" ], "8b13a35b-edae-44b2-9cdc-be776c83f7e2": [ "5f143c13-e171-4c5a-9e5a-ffd2bb3fd49e" ], "9ddd370a-f765-49c6-8cdf-da99d8235fed": [ "5f143c13-e171-4c5a-9e5a-ffd2bb3fd49e" ], "665be694-cd56-4eed-9792-6b423f0deb39": [ "5f143c13-e171-4c5a-9e5a-ffd2bb3fd49e" ], "7543885c-7e74-4f60-b6ac-53b2cbe86244": [ "5f143c13-e171-4c5a-9e5a-ffd2bb3fd49e" ], "0da36b61-51c5-4d94-bd52-260e21a3d8f5": [ "5f143c13-e171-4c5a-9e5a-ffd2bb3fd49e" ], "e02523fb-f118-4798-a9bb-5dc04db3a6f4": [ "5f143c13-e171-4c5a-9e5a-ffd2bb3fd49e" ], "f66feabf-b829-489e-b46e-aa266eb190f7": [ "5f143c13-e171-4c5a-9e5a-ffd2bb3fd49e" ], "3958c8eb-f2c4-46a2-a33d-773ea64225c9": [ "5f143c13-e171-4c5a-9e5a-ffd2bb3fd49e" ], "6c0c374a-f419-41c4-b2c5-ab7090452902": [ "5f143c13-e171-4c5a-9e5a-ffd2bb3fd49e" ], "c3c7e1ac-db4d-4e4c-bd7c-b99c3d40b913": [ "5f143c13-e171-4c5a-9e5a-ffd2bb3fd49e" ], "1e010738-e128-4246-8c9c-d3359260b4ab": [ "e82cb318-8402-420c-a3ed-6158b3020222" ], "3ed1ba8e-9b3a-444c-a414-478eecde787e": [ "e82cb318-8402-420c-a3ed-6158b3020222" ], "a552d489-4902-4bf3-82cc-40dee3cdc933": [ "e82cb318-8402-420c-a3ed-6158b3020222" ], "9266b9df-218f-4b59-ac1d-11d4681c1f38": [ "e82cb318-8402-420c-a3ed-6158b3020222" ], "34685e0c-14ae-4cac-b40e-c86ece4772f2": [ "e82cb318-8402-420c-a3ed-6158b3020222" ], "c50412c7-1c55-4fb9-a1eb-aacfb916bf83": [ "e82cb318-8402-420c-a3ed-6158b3020222" ], "ea5e117a-fafc-4371-9989-1467a799b4dd": [ "e82cb318-8402-420c-a3ed-6158b3020222" ], "43001821-8f83-41f4-a869-5dd8cc961097": [ "e82cb318-8402-420c-a3ed-6158b3020222" ], "8acf5057-6e3c-4949-9820-355f130a6816": [ "e82cb318-8402-420c-a3ed-6158b3020222" ], "ee84f84d-45b3-41a0-bb03-7956373c6be1": [ "e82cb318-8402-420c-a3ed-6158b3020222" ], "5ab9186c-eb7a-4a34-bb30-9bc391d1ba7f": [ "69df7bfd-e669-45e1-97c5-b8f0ef059b5f" ], "8c0ef1dc-df08-4053-8639-e23d6f83f718": [ "69df7bfd-e669-45e1-97c5-b8f0ef059b5f" ], "cfae4a2e-f9ca-4e18-a951-8632fde26002": [ "69df7bfd-e669-45e1-97c5-b8f0ef059b5f" ], "dffa9ab8-9e98-4ffb-8a58-f5f76ec1e987": [ "69df7bfd-e669-45e1-97c5-b8f0ef059b5f" ], "b8204275-25d7-471c-8d58-05542e18ef82": [ "69df7bfd-e669-45e1-97c5-b8f0ef059b5f" ], "45903228-1d8a-4269-9178-f022065ec002": [ "69df7bfd-e669-45e1-97c5-b8f0ef059b5f" ], "edec303b-da86-4f10-a5ad-73670a0b2547": [ "69df7bfd-e669-45e1-97c5-b8f0ef059b5f" ], "e0fe36eb-3e61-4d4a-9ccd-542db2f61ead": [ "69df7bfd-e669-45e1-97c5-b8f0ef059b5f" ], "197659b2-5619-413b-8f4e-528eae4ca110": [ "69df7bfd-e669-45e1-97c5-b8f0ef059b5f" ], "723b0983-bfc5-4cc5-ad90-0c8219abb0d7": [ "69df7bfd-e669-45e1-97c5-b8f0ef059b5f" ], "7e66827c-f1d1-40b9-8366-6442f8840b99": [ "f115d191-d251-456a-8748-b4d73162d1fc" ], "6104f12d-6f07-4dc5-9754-d35b00241077": [ "f115d191-d251-456a-8748-b4d73162d1fc" ], "0e19fcc0-338b-404f-937e-4a7d8351ecb6": [ "f115d191-d251-456a-8748-b4d73162d1fc" ], "64496361-8aa5-47e7-aec1-f4a30c60bfde": [ "f115d191-d251-456a-8748-b4d73162d1fc" ], "1a1275e4-402b-493c-98e5-3600d257733f": [ "f115d191-d251-456a-8748-b4d73162d1fc" ], "209a59d3-691c-4351-a495-49e27b432778": [ "f115d191-d251-456a-8748-b4d73162d1fc" ], "6914609b-26d6-4fc3-a496-be40e6cd89a6": [ "f115d191-d251-456a-8748-b4d73162d1fc" ], "b6aaf605-8e1e-4272-ad3a-6496ba300905": [ "f115d191-d251-456a-8748-b4d73162d1fc" ], "5339772f-a401-4b9e-92b4-66a0ab010a80": [ "f115d191-d251-456a-8748-b4d73162d1fc" ], "b4860ec6-e0b6-455f-93d6-0c79ba1b4073": [ "f115d191-d251-456a-8748-b4d73162d1fc" ], "4a5c0899-704f-4029-8b49-7cd9099f7314": [ "9c08e319-6ead-42d8-ad48-7ee62a86f97e" ], "d6a7cb95-9259-4763-bad8-83f839d640f0": [ "9c08e319-6ead-42d8-ad48-7ee62a86f97e" ], "e215cca4-6f76-4828-869f-a6177263ee75": [ "9c08e319-6ead-42d8-ad48-7ee62a86f97e" ], "5076f601-70a8-4559-a85e-623225a3b4f4": [ "9c08e319-6ead-42d8-ad48-7ee62a86f97e" ], "1fcf1a63-8d18-4a64-aa52-0cfdc49d7fc8": [ "9c08e319-6ead-42d8-ad48-7ee62a86f97e" ], "fca29dd9-b75d-446f-83fb-19b71a7ec447": [ "9c08e319-6ead-42d8-ad48-7ee62a86f97e" ], "03e3b97c-2f26-4904-b8e9-94bf2881bf40": [ "9c08e319-6ead-42d8-ad48-7ee62a86f97e" ], "0a3c350a-6474-4b91-8363-b14d95a936b6": [ "9c08e319-6ead-42d8-ad48-7ee62a86f97e" ], "ab595d19-bb05-42b7-b62a-4b90edd98721": [ "9c08e319-6ead-42d8-ad48-7ee62a86f97e" ], "a15cced0-f9bd-4168-91d8-30d3251c5155": [ "9c08e319-6ead-42d8-ad48-7ee62a86f97e" ], "9f5fa101-7dbe-4215-a516-2bae683b6100": [ "8cf901a1-8cab-446b-a2f1-10f7c869ff2c" ], "b6f8b24b-d461-411a-8e51-47df34349ea8": [ "8cf901a1-8cab-446b-a2f1-10f7c869ff2c" ], "e7e80853-4fca-4a2b-861f-de9051ab41d6": [ "8cf901a1-8cab-446b-a2f1-10f7c869ff2c" ], "cfc27ce9-e649-4e7f-b153-12805fe616d9": [ "8cf901a1-8cab-446b-a2f1-10f7c869ff2c" ], "951d0530-0373-4d5a-a5ef-69c32758df17": [ "8cf901a1-8cab-446b-a2f1-10f7c869ff2c" ], "83ed32ef-b07d-4e2e-afd2-44b1c064b8fd": [ "8cf901a1-8cab-446b-a2f1-10f7c869ff2c" ], "6eb540cf-f8d8-4c9a-bc14-8c79cb6f09d8": [ "8cf901a1-8cab-446b-a2f1-10f7c869ff2c" ], "52748b8b-3dee-4149-afcb-2079a2af3736": [ "8cf901a1-8cab-446b-a2f1-10f7c869ff2c" ], "fb0bc3df-76da-45af-bcd0-0dc3cd3aeace": [ "8cf901a1-8cab-446b-a2f1-10f7c869ff2c" ], "1b165117-bbfe-45e9-bbed-c66e9abf4b1d": [ "8cf901a1-8cab-446b-a2f1-10f7c869ff2c" ], "c2020d82-5a2c-4676-ae66-d32e8f544ac0": [ "d91cc22f-42af-454b-8aeb-a0b8c01757be" ], "f95671cd-211d-4c68-b5cb-cdb1ba2944ce": [ "d91cc22f-42af-454b-8aeb-a0b8c01757be" ], "d2ac1b52-cd80-4dec-bff5-94dd001d1a44": [ "d91cc22f-42af-454b-8aeb-a0b8c01757be" ], "74a51599-a90a-4b5b-9185-97d6af11b708": [ "d91cc22f-42af-454b-8aeb-a0b8c01757be" ], "27bbf70b-c763-43d3-b1d8-e91610d4782b": [ "d91cc22f-42af-454b-8aeb-a0b8c01757be" ], "29c7c945-b38b-48b8-9ded-60c585ca9d66": [ "d91cc22f-42af-454b-8aeb-a0b8c01757be" ], "b042046f-0e5a-4906-bfed-4ad23cf23856": [ "d91cc22f-42af-454b-8aeb-a0b8c01757be" ], "55f413f8-5a72-4252-9929-7f4c1a2b080d": [ "d91cc22f-42af-454b-8aeb-a0b8c01757be" ], "286d0c11-65b9-4f4a-83dc-d6dad762419a": [ "d91cc22f-42af-454b-8aeb-a0b8c01757be" ], "401e5d9f-6d07-4254-be93-c742d887b33f": [ "d91cc22f-42af-454b-8aeb-a0b8c01757be" ], "306d792c-66cc-488e-a83c-685069a1c6e9": [ "45fb39b7-e0e2-43bc-b7c1-f7a7d63f3e77" ], "d647f3af-c0a2-494c-85fb-5855f5b1a78e": [ "45fb39b7-e0e2-43bc-b7c1-f7a7d63f3e77" ], "c7097ab3-3919-4a92-822e-711a130a768e": [ "45fb39b7-e0e2-43bc-b7c1-f7a7d63f3e77" ], "286409ec-54e9-4670-893d-4ebb133d2c29": [ "45fb39b7-e0e2-43bc-b7c1-f7a7d63f3e77" ], "067b5735-c526-4f0d-9bf2-4b3501becafc": [ "45fb39b7-e0e2-43bc-b7c1-f7a7d63f3e77" ], "2ce264c4-31f4-4529-bf2b-8b6c9171fb17": [ "45fb39b7-e0e2-43bc-b7c1-f7a7d63f3e77" ], "3809effb-6136-4b92-992c-361210b25950": [ "45fb39b7-e0e2-43bc-b7c1-f7a7d63f3e77" ], "47f7ebcb-0cc8-4c37-be94-23a3850e880d": [ "45fb39b7-e0e2-43bc-b7c1-f7a7d63f3e77" ], "210d8075-3a04-4b8d-bd87-28039994d786": [ "45fb39b7-e0e2-43bc-b7c1-f7a7d63f3e77" ], "2330d86d-a79e-4d39-8e04-0c6f06afc6bb": [ "45fb39b7-e0e2-43bc-b7c1-f7a7d63f3e77" ], "0698128e-36b4-4480-b7e0-4f20797f68f6": [ "e7842a3a-28d7-4fd0-aae5-64ac56802820" ], "407fb4c1-2bb8-45df-a34a-ee22e1cd8740": [ "e7842a3a-28d7-4fd0-aae5-64ac56802820" ], "5ecaf604-bdf1-4265-a80d-085d3d065036": [ "e7842a3a-28d7-4fd0-aae5-64ac56802820" ], "03732b78-bf7a-467a-9c07-cb154575ddf5": [ "e7842a3a-28d7-4fd0-aae5-64ac56802820" ], "82df371f-7e6c-48d5-bbf8-11ad8973eee2": [ "e7842a3a-28d7-4fd0-aae5-64ac56802820" ], "351feebc-6c05-4051-9582-b14bba9d87ac": [ "e7842a3a-28d7-4fd0-aae5-64ac56802820" ], "aa9182e2-f365-4e8b-9b28-5bf83639791c": [ "e7842a3a-28d7-4fd0-aae5-64ac56802820" ], "1735c50c-e95e-4f8f-8359-1c0f63ba1fef": [ "e7842a3a-28d7-4fd0-aae5-64ac56802820" ], "2f0d9590-f9bf-4a71-9106-df2d162f33de": [ "e7842a3a-28d7-4fd0-aae5-64ac56802820" ], "77cbab5b-84cc-41f9-9c73-5654b0289dff": [ "e7842a3a-28d7-4fd0-aae5-64ac56802820" ], "5ca2e239-1b8d-4bc1-bb88-b082763b58a9": [ "d0cf1e63-c3a5-4622-8ccb-ac5c62f64c6f" ], "59e5a2af-53fa-46f2-be97-a6b2fdf0925e": [ "d0cf1e63-c3a5-4622-8ccb-ac5c62f64c6f" ], "decba4cc-a2d0-4597-aa5e-6a6a5b407df3": [ "d0cf1e63-c3a5-4622-8ccb-ac5c62f64c6f" ], "219897ad-e3d5-4f50-999f-86a80b91264e": [ "d0cf1e63-c3a5-4622-8ccb-ac5c62f64c6f" ], "9465fa07-00f3-4c9e-9e38-8e566d6258ee": [ "d0cf1e63-c3a5-4622-8ccb-ac5c62f64c6f" ], "46228f54-dcad-4b8d-acc3-d700935d3b3b": [ "d0cf1e63-c3a5-4622-8ccb-ac5c62f64c6f" ], "5a4b66bb-085e-4f3e-be26-0fce832fe292": [ "d0cf1e63-c3a5-4622-8ccb-ac5c62f64c6f" ], "c697d78a-a966-4ceb-87e1-22a736eec626": [ "d0cf1e63-c3a5-4622-8ccb-ac5c62f64c6f" ], "f96569ed-12d7-4d48-bd17-22f1b96085ee": [ "d0cf1e63-c3a5-4622-8ccb-ac5c62f64c6f" ], "0a77f096-3df7-4773-b369-2f78ba5e36f2": [ "d0cf1e63-c3a5-4622-8ccb-ac5c62f64c6f" ], "5d0b96ee-2504-4e55-9c72-187e53947c96": [ "0e1dce15-3ac8-4150-a948-9df56ef98585" ], "28d5b30f-71e0-4337-a8c8-788a811736bc": [ "0e1dce15-3ac8-4150-a948-9df56ef98585" ], "6e552c21-6a61-4423-b2c6-cff868eb7b9e": [ "0e1dce15-3ac8-4150-a948-9df56ef98585" ], "44ddccd8-d509-49e6-abc0-a7cbb5382849": [ "0e1dce15-3ac8-4150-a948-9df56ef98585" ], "1a01c019-071b-465a-8f2b-34565fe91c11": [ "0e1dce15-3ac8-4150-a948-9df56ef98585" ], "e25bfac9-ff4a-404d-8fc7-fde8eda63952": [ "0e1dce15-3ac8-4150-a948-9df56ef98585" ], "8cdb9d3c-cd63-4556-9dcf-414d0214facc": [ "0e1dce15-3ac8-4150-a948-9df56ef98585" ], "c31f6ce6-2539-450e-a2a8-1a300615f9c1": [ "0e1dce15-3ac8-4150-a948-9df56ef98585" ], "ed90c1fa-9255-42d3-bda9-281ef9b808ef": [ "0e1dce15-3ac8-4150-a948-9df56ef98585" ], "d4f10321-ca41-4957-864a-aa0f5186b97e": [ "0e1dce15-3ac8-4150-a948-9df56ef98585" ], "d5a2945b-3f9f-400b-bec7-78f1cf4ccdcc": [ "822553fe-f444-4bd8-9441-73e7621c6f42" ], "a2b33836-75d6-4864-8ce3-38d7d3796c1a": [ "822553fe-f444-4bd8-9441-73e7621c6f42" ], "0b5d1a75-7200-40ef-ba1f-5b023080185c": [ "822553fe-f444-4bd8-9441-73e7621c6f42" ], "57ba03d4-e795-452b-9b6d-5acb03b22efa": [ "822553fe-f444-4bd8-9441-73e7621c6f42" ], "6d4f8dc9-93fa-4961-90fc-abb60757b532": [ "822553fe-f444-4bd8-9441-73e7621c6f42" ], "19b79eb9-529e-4d06-88e6-883c4eeb3d0d": [ "822553fe-f444-4bd8-9441-73e7621c6f42" ], "aae91037-bf9c-472c-8053-b7950c090881": [ "822553fe-f444-4bd8-9441-73e7621c6f42" ], "253b3882-86da-4d2b-9ab3-08a52a2148b1": [ "822553fe-f444-4bd8-9441-73e7621c6f42" ], "a117df37-2d01-48c1-bdd4-8d5fd66015cf": [ "822553fe-f444-4bd8-9441-73e7621c6f42" ], "83c0fa71-a102-47f4-a173-8f16cb4c83f6": [ "822553fe-f444-4bd8-9441-73e7621c6f42" ], "7fe5c33a-2398-4ee5-b836-0cc21421db05": [ "c23216df-f3fa-4ddc-b2cc-26c7d9f73d6e" ], "7d9a67a7-41b3-4b39-b024-cb5df2029792": [ "c23216df-f3fa-4ddc-b2cc-26c7d9f73d6e" ], "3fd99fb5-df56-4930-87c8-420eddf26023": [ "c23216df-f3fa-4ddc-b2cc-26c7d9f73d6e" ], "2f5e5476-41c2-4dd3-8d55-e63297165e0b": [ "c23216df-f3fa-4ddc-b2cc-26c7d9f73d6e" ], "a05ca3e1-b38f-45e2-9ce2-3510fbe12357": [ "c23216df-f3fa-4ddc-b2cc-26c7d9f73d6e" ], "a81bda3e-3ab3-4675-bc2c-ea44cd7115b6": [ "c23216df-f3fa-4ddc-b2cc-26c7d9f73d6e" ], "3bb426b6-4e00-45f6-adc6-04b20891bcd1": [ "c23216df-f3fa-4ddc-b2cc-26c7d9f73d6e" ], "820edbdb-b589-4063-9e1b-89284b19857e": [ "c23216df-f3fa-4ddc-b2cc-26c7d9f73d6e" ], "64525a4d-efb8-4566-8236-bc0d51895380": [ "c23216df-f3fa-4ddc-b2cc-26c7d9f73d6e" ], "bddb80db-ecd1-4802-868f-fc6cbf8e5579": [ "c23216df-f3fa-4ddc-b2cc-26c7d9f73d6e" ], "b4c4e6c2-c126-4e1e-8884-04fff30d83c9": [ "81742899-d69f-4030-a437-dc0ffc605675" ], "527e998f-3048-4502-a158-e5a438ae36e0": [ "81742899-d69f-4030-a437-dc0ffc605675" ], "13164465-8f92-4e0d-ae63-1f5e2b6aa2c9": [ "81742899-d69f-4030-a437-dc0ffc605675" ], "5b1adcb8-3bda-465d-8592-60d855bff959": [ "81742899-d69f-4030-a437-dc0ffc605675" ], "843ee4da-ff64-4208-8f24-1ab4a371a663": [ "81742899-d69f-4030-a437-dc0ffc605675" ], "66b4fb84-2576-420e-aad3-a2d1aa375cf4": [ "81742899-d69f-4030-a437-dc0ffc605675" ], "af777d70-0458-43f1-a282-076e30bb001f": [ "81742899-d69f-4030-a437-dc0ffc605675" ], "ceab7b02-661c-4b21-927d-ce1eaca552f7": [ "81742899-d69f-4030-a437-dc0ffc605675" ], "5f1a358a-92b8-465a-bee2-115f3a0b4d56": [ "81742899-d69f-4030-a437-dc0ffc605675" ], "f7c527b3-f826-45f4-9132-a31dd33cca75": [ "81742899-d69f-4030-a437-dc0ffc605675" ], "31594403-c1a4-4231-8165-c8465dea97ad": [ "60cf66fc-b4ff-49f1-af39-c9c03a0eb482" ], "b93966e0-4940-483a-8f26-d6067ee137ab": [ "60cf66fc-b4ff-49f1-af39-c9c03a0eb482" ], "ee25ba0d-10d1-4e06-814b-cb1c46bdf2fb": [ "60cf66fc-b4ff-49f1-af39-c9c03a0eb482" ], "f1f361cf-12e0-459d-8499-cb76a2bc75e9": [ "60cf66fc-b4ff-49f1-af39-c9c03a0eb482" ], "a2ec9146-b7ee-4eb0-97b4-59851c370a41": [ "60cf66fc-b4ff-49f1-af39-c9c03a0eb482" ], "a43b9f74-2c5f-44a6-bfa0-4a062dac7538": [ "60cf66fc-b4ff-49f1-af39-c9c03a0eb482" ], "88a0ebee-69cc-48c2-8539-093f08ce2a82": [ "60cf66fc-b4ff-49f1-af39-c9c03a0eb482" ], "6e0c6099-7287-45a7-8321-4cf0006dcd50": [ "60cf66fc-b4ff-49f1-af39-c9c03a0eb482" ], "a2850a04-18eb-4f38-90aa-a7b82cd8854b": [ "60cf66fc-b4ff-49f1-af39-c9c03a0eb482" ], "efbf74c3-5090-4faf-8be4-d36fdeb5a7fb": [ "60cf66fc-b4ff-49f1-af39-c9c03a0eb482" ], "162b2870-c7ac-42da-8835-e14aff72faab": [ "d3a184c3-d103-4d54-a560-40a39a24b9f2" ], "c25ff90b-51ae-474e-b621-f31e29bfec81": [ "d3a184c3-d103-4d54-a560-40a39a24b9f2" ], "d48b6443-db8d-4893-9695-2a56a9e175bc": [ "d3a184c3-d103-4d54-a560-40a39a24b9f2" ], "30c50015-db9d-46db-a881-af8344b3ab32": [ "d3a184c3-d103-4d54-a560-40a39a24b9f2" ], "e2298d7c-b262-42c3-ad6b-4c8f8d546e8b": [ "d3a184c3-d103-4d54-a560-40a39a24b9f2" ], "bf0ab8bb-fa74-414e-b4b5-12f78d2562a3": [ "d3a184c3-d103-4d54-a560-40a39a24b9f2" ], "44650c58-297d-480a-84ed-54d0385b31a2": [ "d3a184c3-d103-4d54-a560-40a39a24b9f2" ], "5223519e-37ca-4258-9e1a-bf4352e885f1": [ "d3a184c3-d103-4d54-a560-40a39a24b9f2" ], "d40b709c-a909-44e1-b589-fc936796863d": [ "d3a184c3-d103-4d54-a560-40a39a24b9f2" ], "f0b9b1f4-263e-4d5a-b746-5c7a12430952": [ "d3a184c3-d103-4d54-a560-40a39a24b9f2" ], "02c991f5-a678-47f1-99e2-e4b2626f6838": [ "a5181c5b-c3c7-40a0-914d-13a13cf71251" ], "68a9d139-e72a-4214-be5e-e0918c3c0ece": [ "a5181c5b-c3c7-40a0-914d-13a13cf71251" ], "ffabb6df-7989-45fa-85bc-fa9c2e4c4995": [ "a5181c5b-c3c7-40a0-914d-13a13cf71251" ], "8f235637-8b8b-4591-9fe9-3a8c7fed81b1": [ "a5181c5b-c3c7-40a0-914d-13a13cf71251" ], "bfdc0454-2ec1-4841-bd42-25820a9f1759": [ "a5181c5b-c3c7-40a0-914d-13a13cf71251" ], "2f6a6d19-d64d-4283-ac69-4155c2d8d5eb": [ "a5181c5b-c3c7-40a0-914d-13a13cf71251" ], "4c342b23-2545-479f-89df-49525bdea24a": [ "a5181c5b-c3c7-40a0-914d-13a13cf71251" ], "ed211fdb-b2a3-425c-b378-fd718b1b8053": [ "a5181c5b-c3c7-40a0-914d-13a13cf71251" ], "aea31fab-6dae-411d-bf00-399baf783754": [ "a5181c5b-c3c7-40a0-914d-13a13cf71251" ], "e8d2c440-5ad4-4335-a3ed-2faa3a55fb72": [ "a5181c5b-c3c7-40a0-914d-13a13cf71251" ], "19120d3a-0aa5-4708-a363-c6e226fced2a": [ "59e0e934-c7f4-45de-815c-19bf0ea903e1" ], "1a39a689-43e8-402a-9701-5715b038e043": [ "59e0e934-c7f4-45de-815c-19bf0ea903e1" ], "48e929ce-4090-496c-ade9-6622d47c25b5": [ "59e0e934-c7f4-45de-815c-19bf0ea903e1" ], "b910071e-6ca1-4a50-8719-822f7d81cbb2": [ "59e0e934-c7f4-45de-815c-19bf0ea903e1" ], "085d5c0b-f18d-4745-af1a-2df47685357d": [ "59e0e934-c7f4-45de-815c-19bf0ea903e1" ], "75bf2492-14d1-4b64-8acb-9ee584710c46": [ "59e0e934-c7f4-45de-815c-19bf0ea903e1" ], "08a8aab2-9c24-436f-b579-c78f4d9726b3": [ "59e0e934-c7f4-45de-815c-19bf0ea903e1" ], "a438d884-7d10-49e5-8726-1110499de41a": [ "59e0e934-c7f4-45de-815c-19bf0ea903e1" ], "70d923c1-dc05-44a2-9a00-8e8705cac3ff": [ "59e0e934-c7f4-45de-815c-19bf0ea903e1" ], "cf80e696-eb8d-4038-9642-d4e21dff89c0": [ "59e0e934-c7f4-45de-815c-19bf0ea903e1" ], "85ceb9a9-0355-4e8a-91c2-72e2174ed359": [ "d933f8db-0518-40bb-afef-44d831e0afdd" ], "4bf2101f-4f88-4435-b307-6b22a8928e97": [ "d933f8db-0518-40bb-afef-44d831e0afdd" ], "ac397146-bffc-4cf1-bea0-f54bd0aeaf7a": [ "d933f8db-0518-40bb-afef-44d831e0afdd" ], "8d946205-e1e4-4a6d-8df1-dd143c2620fa": [ "d933f8db-0518-40bb-afef-44d831e0afdd" ], "a1a8412c-7ebb-4d18-9c0b-0eb152f1857f": [ "d933f8db-0518-40bb-afef-44d831e0afdd" ], "af6bb833-e213-4a25-a00f-a6ea608ac5f6": [ "d933f8db-0518-40bb-afef-44d831e0afdd" ], "0fe2c3f8-ddf8-4765-bfd1-c468b2e50179": [ "d933f8db-0518-40bb-afef-44d831e0afdd" ], "efea905f-d0cc-4447-bc98-d859b2e12bb1": [ "d933f8db-0518-40bb-afef-44d831e0afdd" ], "de4bfbf2-310e-4336-a8a2-dd17b5c97490": [ "d933f8db-0518-40bb-afef-44d831e0afdd" ], "8c86924e-36d0-41df-a46b-5b2e008a4da3": [ "d933f8db-0518-40bb-afef-44d831e0afdd" ], "e4e571ba-eba7-46c7-a3b3-5850d79a35c7": [ "784a147c-f47b-4ad8-97b5-45004b12aef9" ], "e8479d13-4a33-4e2f-8b68-a85f802fc502": [ "784a147c-f47b-4ad8-97b5-45004b12aef9" ], "20f0d90b-c6ea-479f-9251-30eeb5e58495": [ "784a147c-f47b-4ad8-97b5-45004b12aef9" ], "c77d785c-9961-4e76-b042-422678e61156": [ "784a147c-f47b-4ad8-97b5-45004b12aef9" ], "170e47c1-2601-4503-9044-1b44fde9a3db": [ "784a147c-f47b-4ad8-97b5-45004b12aef9" ], "04d3a0b9-a3e9-4d9c-8a68-ed5a5a336d71": [ "784a147c-f47b-4ad8-97b5-45004b12aef9" ], "cd0e1c20-2465-4def-94b2-1da475d9cf53": [ "784a147c-f47b-4ad8-97b5-45004b12aef9" ], "4f451a59-22ed-46c0-9ca0-ebf7e8cf3829": [ "784a147c-f47b-4ad8-97b5-45004b12aef9" ], "43c53240-9b09-4646-bd05-bc2c1bc1dde7": [ "784a147c-f47b-4ad8-97b5-45004b12aef9" ], "c86fa8bf-09e0-43ba-a7ee-7bca63f03c42": [ "784a147c-f47b-4ad8-97b5-45004b12aef9" ], "6d2c0c38-2be0-4706-a14a-b61e3718df14": [ "bf24dbe4-f9f7-4bcc-acdc-56ee54ea25f9" ], "5cb6477a-19b7-4b95-841a-a6c3c67240a2": [ "bf24dbe4-f9f7-4bcc-acdc-56ee54ea25f9" ], "98b6033e-7606-4317-8f2c-3b4ea5ca5d6a": [ "bf24dbe4-f9f7-4bcc-acdc-56ee54ea25f9" ], "42b27b69-8416-4aa5-a8d9-c9b06fd87f01": [ "bf24dbe4-f9f7-4bcc-acdc-56ee54ea25f9" ], "0efe44dd-6a45-41ea-a76b-9b4ea522a0fd": [ "bf24dbe4-f9f7-4bcc-acdc-56ee54ea25f9" ], "5fbeba53-72f6-4b16-a7cf-1ac1ebcb264d": [ "bf24dbe4-f9f7-4bcc-acdc-56ee54ea25f9" ], "afc7bdfc-5865-4ab1-a110-f1829893e2d9": [ "bf24dbe4-f9f7-4bcc-acdc-56ee54ea25f9" ], "daae7cdd-07ba-4ed4-a937-9094f2f09b14": [ "bf24dbe4-f9f7-4bcc-acdc-56ee54ea25f9" ], "07f993a9-4d8a-4b0a-93ba-45c05458f1c3": [ "bf24dbe4-f9f7-4bcc-acdc-56ee54ea25f9" ], "2b5d3db9-5fde-43ae-b7df-07a16b1d4949": [ "bf24dbe4-f9f7-4bcc-acdc-56ee54ea25f9" ], "598b6306-c632-4c22-a6a4-ef76edd84087": [ "fe14c9c0-548c-4a57-93d5-a98a9dcdf35b" ], "2da4aa4b-9e03-4e14-b3df-c5ba260777bc": [ "fe14c9c0-548c-4a57-93d5-a98a9dcdf35b" ], "fb922302-fbf8-40e6-aef9-535509f5de07": [ "fe14c9c0-548c-4a57-93d5-a98a9dcdf35b" ], "4ad4d564-3512-4c9f-b0c3-b754cb52eeea": [ "fe14c9c0-548c-4a57-93d5-a98a9dcdf35b" ], "808c1b8f-2c74-416a-ba0c-5b11ee5d9112": [ "fe14c9c0-548c-4a57-93d5-a98a9dcdf35b" ], "68310da9-34cd-4e92-80b6-818a09e4648d": [ "fe14c9c0-548c-4a57-93d5-a98a9dcdf35b" ], "eda9a01e-4acd-4a14-91b2-f0b57b2c176d": [ "fe14c9c0-548c-4a57-93d5-a98a9dcdf35b" ], "e928dd08-934e-43af-8209-e1ea05367458": [ "fe14c9c0-548c-4a57-93d5-a98a9dcdf35b" ], "e9806777-fcf6-49eb-9cb0-7a93e9bfb5b2": [ "fe14c9c0-548c-4a57-93d5-a98a9dcdf35b" ], "34066b23-9e24-44fc-a4fe-a499bf86051e": [ "fe14c9c0-548c-4a57-93d5-a98a9dcdf35b" ], "8edea4b9-14f7-4c9a-96a3-4bcdc3c9f9ec": [ "b75ab35c-641c-410d-a95b-c100a0cc3e05" ], "3107a888-45aa-47a1-a032-c09f76efe505": [ "b75ab35c-641c-410d-a95b-c100a0cc3e05" ], "6d27e4d8-2f93-4387-bcca-a2b05a033bda": [ "b75ab35c-641c-410d-a95b-c100a0cc3e05" ], "2f4115bc-a228-4f5c-8ee7-b25d6d7f54ff": [ "b75ab35c-641c-410d-a95b-c100a0cc3e05" ], "b2c342bb-fb53-4124-bc19-675df157ec37": [ "b75ab35c-641c-410d-a95b-c100a0cc3e05" ], "7a1bceaa-a002-4a1b-9f7a-db1a8e3d7b2e": [ "b75ab35c-641c-410d-a95b-c100a0cc3e05" ], "7df74eac-571e-46f4-951f-15744ab551c9": [ "b75ab35c-641c-410d-a95b-c100a0cc3e05" ], "e1a3ded5-d921-4a58-a17b-7c23d53ea49b": [ "b75ab35c-641c-410d-a95b-c100a0cc3e05" ], "9829ef72-1624-447a-8b90-0cbd574af611": [ "b75ab35c-641c-410d-a95b-c100a0cc3e05" ], "04b73be6-1755-4e6f-a754-17025cb51841": [ "b75ab35c-641c-410d-a95b-c100a0cc3e05" ], "c16eb78e-ab74-4b8a-81b5-cf732ed3f866": [ "1e4c73cb-138f-4d1f-8b0c-a1ae49a6a7ce" ], "66b2ec29-7d11-4f1e-b01a-8ed59fc3312e": [ "1e4c73cb-138f-4d1f-8b0c-a1ae49a6a7ce" ], "154ba06d-02b1-4d92-abd8-aefcce8fb41e": [ "1e4c73cb-138f-4d1f-8b0c-a1ae49a6a7ce" ], "4fd3603e-e8fc-4f8b-a4df-28e9a3fd3203": [ "1e4c73cb-138f-4d1f-8b0c-a1ae49a6a7ce" ], "93b54ba8-ca82-4cdb-b1b8-18d885ba4d21": [ "1e4c73cb-138f-4d1f-8b0c-a1ae49a6a7ce" ], "bab284d2-b832-46d4-a088-638118ae1dd2": [ "1e4c73cb-138f-4d1f-8b0c-a1ae49a6a7ce" ], "622de1fc-c012-421b-b907-08ac87f78fe9": [ "1e4c73cb-138f-4d1f-8b0c-a1ae49a6a7ce" ], "d568b826-4dd4-4d89-9144-19875ff18559": [ "1e4c73cb-138f-4d1f-8b0c-a1ae49a6a7ce" ], "256899ac-010c-487a-a686-da3a3755770c": [ "1e4c73cb-138f-4d1f-8b0c-a1ae49a6a7ce" ], "1df31d3a-714d-4074-922c-e1969304afea": [ "1e4c73cb-138f-4d1f-8b0c-a1ae49a6a7ce" ], "0107d62d-38be-4322-8317-7c5c110426ab": [ "279f5482-e15e-49bb-892c-02a988e3b140" ], "f25c01f0-1ceb-4ffb-bf37-e7243a5eb3e5": [ "279f5482-e15e-49bb-892c-02a988e3b140" ], "e7f690cf-5f7e-41f2-ad68-c23b6da55d59": [ "279f5482-e15e-49bb-892c-02a988e3b140" ], "1ddd4de6-cb33-43e9-875f-10370968caa0": [ "279f5482-e15e-49bb-892c-02a988e3b140" ], "0ce90a91-fa48-4081-b1c4-319f22c77608": [ "279f5482-e15e-49bb-892c-02a988e3b140" ], "1bb59a68-5712-4eec-bebf-cd965f842b6e": [ "279f5482-e15e-49bb-892c-02a988e3b140" ], "7b949b00-2be3-4ed0-9d3f-854ab1b13c24": [ "279f5482-e15e-49bb-892c-02a988e3b140" ], "695292be-cf68-4a69-bd9d-a07ff605b5d3": [ "279f5482-e15e-49bb-892c-02a988e3b140" ], "b54c4e55-2068-4639-bd81-eada789644e5": [ "279f5482-e15e-49bb-892c-02a988e3b140" ], "01d1f372-d978-4384-832f-ad63200d7dd5": [ "279f5482-e15e-49bb-892c-02a988e3b140" ], "8f4d5d1d-589c-47a0-a6f1-776be3120559": [ "a7baf649-867d-43ed-91d3-3b34e3e65dd2" ], "cdaf5913-5510-480f-9ffe-69a5eb31f01a": [ "a7baf649-867d-43ed-91d3-3b34e3e65dd2" ], "a21366be-9be3-4606-a790-0470638d12a7": [ "a7baf649-867d-43ed-91d3-3b34e3e65dd2" ], "1058cf68-49a6-43ab-b058-8061e0de5ea8": [ "a7baf649-867d-43ed-91d3-3b34e3e65dd2" ], "127bd5b0-e882-4794-9f90-feff155a5fe7": [ "a7baf649-867d-43ed-91d3-3b34e3e65dd2" ], "426e3925-e16a-4bc6-a020-1db31d7b627d": [ "a7baf649-867d-43ed-91d3-3b34e3e65dd2" ], "8e53e60f-9ab5-494b-8431-7822e5eacdb2": [ "a7baf649-867d-43ed-91d3-3b34e3e65dd2" ], "5e44a957-b22e-4f7a-8e09-b6db96d778c9": [ "a7baf649-867d-43ed-91d3-3b34e3e65dd2" ], "8519cff2-e9fc-48ac-82fb-f0693c35f453": [ "a7baf649-867d-43ed-91d3-3b34e3e65dd2" ], "3e85daf6-4109-4afc-8f76-8e1e1af86095": [ "a7baf649-867d-43ed-91d3-3b34e3e65dd2" ], "b52a4118-456f-4553-a919-2b57d7a61ccb": [ "40856102-7465-47f1-9550-4200ec4d4137" ], "65908cda-0a21-4a72-8a56-04ef79fa61aa": [ "40856102-7465-47f1-9550-4200ec4d4137" ], "ea64cde6-b2bb-46e5-a160-b3a814898923": [ "40856102-7465-47f1-9550-4200ec4d4137" ], "cf256954-352a-4132-a47f-5f4efeabedae": [ "40856102-7465-47f1-9550-4200ec4d4137" ], "2900df65-514b-4378-9378-a057bed580ba": [ "40856102-7465-47f1-9550-4200ec4d4137" ], "3a8449b4-8f81-4f39-aec0-9af736eb429d": [ "40856102-7465-47f1-9550-4200ec4d4137" ], "ba1e91d9-dfa3-4103-ba5c-42c360ee6adf": [ "40856102-7465-47f1-9550-4200ec4d4137" ], "394f44e8-8013-4ba0-b34a-ca3e0373a12f": [ "40856102-7465-47f1-9550-4200ec4d4137" ], "74b68bf1-bf66-4d7f-86d9-ae464e8ce93e": [ "40856102-7465-47f1-9550-4200ec4d4137" ], "7b60a63f-6c79-4771-8a38-cd10ea97e4f5": [ "40856102-7465-47f1-9550-4200ec4d4137" ], "89ac54fc-1e24-414e-8c3d-eed4c56baf7d": [ "d90bb742-0c0c-4ec0-bc75-b3d8b8ebd213" ], "50a529e0-3ff4-46b7-a71f-18227f93b3e1": [ "d90bb742-0c0c-4ec0-bc75-b3d8b8ebd213" ], "5a097d46-cf9f-4b25-b8d6-241c3916b67d": [ "d90bb742-0c0c-4ec0-bc75-b3d8b8ebd213" ], "b2a4bf2a-7a80-42c4-8b17-8ff9370b43b0": [ "d90bb742-0c0c-4ec0-bc75-b3d8b8ebd213" ], "10df697d-ec37-4ccb-bf09-decb46ee47fc": [ "d90bb742-0c0c-4ec0-bc75-b3d8b8ebd213" ], "bf0d2d7b-523e-4ee7-b334-b9d735df9a5b": [ "d90bb742-0c0c-4ec0-bc75-b3d8b8ebd213" ], "daaaed2a-7a1f-4c84-ae5b-0206fe32e084": [ "d90bb742-0c0c-4ec0-bc75-b3d8b8ebd213" ], "1aade78a-bc7f-44cf-a02e-44fbd4d76040": [ "d90bb742-0c0c-4ec0-bc75-b3d8b8ebd213" ], "b673c10f-b542-437a-8e8b-e0b1df71d40d": [ "d90bb742-0c0c-4ec0-bc75-b3d8b8ebd213" ], "60f15fc0-b870-4e3a-a246-84dc8625579c": [ "d90bb742-0c0c-4ec0-bc75-b3d8b8ebd213" ], "6b7ec630-3809-44c6-8336-a4f4fb7367b1": [ "5a22a363-17f0-4de3-82d6-83cbc64c11e8" ], "678f1366-db1b-4d34-ae7e-8cc66b3787eb": [ "5a22a363-17f0-4de3-82d6-83cbc64c11e8" ], "45f5f0fc-63c4-4cd1-8a3f-8640687b8556": [ "5a22a363-17f0-4de3-82d6-83cbc64c11e8" ], "b2e002ac-6646-4556-bace-75c0aef12c1c": [ "5a22a363-17f0-4de3-82d6-83cbc64c11e8" ], "dbd0f008-0d29-4c92-89a2-9449bce3ef01": [ "5a22a363-17f0-4de3-82d6-83cbc64c11e8" ], "f2325ffa-d38d-4a34-ae12-82b87d718ec9": [ "5a22a363-17f0-4de3-82d6-83cbc64c11e8" ], "64245586-3d2f-4ec7-921a-793a28dd7cad": [ "5a22a363-17f0-4de3-82d6-83cbc64c11e8" ], "5453c753-dcdf-428e-999a-d10357e3ecb3": [ "5a22a363-17f0-4de3-82d6-83cbc64c11e8" ], "2056afd8-57eb-46b1-9666-d212807139e9": [ "5a22a363-17f0-4de3-82d6-83cbc64c11e8" ], "f806a68f-66dd-4f83-a7b7-d6c4487cc2ca": [ "5a22a363-17f0-4de3-82d6-83cbc64c11e8" ], "22c2bd22-bc0c-474c-a058-a4f828192fee": [ "da110003-0048-43ed-af43-8e3bc6971d00" ], "026491cd-94df-4237-a527-1cdeb9fe8678": [ "da110003-0048-43ed-af43-8e3bc6971d00" ], "2e473692-40cf-48fe-8627-8e7355f36c63": [ "da110003-0048-43ed-af43-8e3bc6971d00" ], "7eb7f291-5ee1-4e2e-80fd-1f780af425e4": [ "da110003-0048-43ed-af43-8e3bc6971d00" ], "8e3c53b3-4980-4233-8c56-6efc56dd9500": [ "da110003-0048-43ed-af43-8e3bc6971d00" ], "795f1dc3-8878-4505-a053-c0c1a1e36955": [ "da110003-0048-43ed-af43-8e3bc6971d00" ], "5bd82d3a-d00c-462a-9869-7811a435f75b": [ "da110003-0048-43ed-af43-8e3bc6971d00" ], "61db9359-2e1f-4752-b605-3b3773b08955": [ "da110003-0048-43ed-af43-8e3bc6971d00" ], "48561162-4d2a-4908-b07b-b04d5217d5dc": [ "da110003-0048-43ed-af43-8e3bc6971d00" ], "e46849e2-8e21-4428-8b7b-4e610f5243bd": [ "da110003-0048-43ed-af43-8e3bc6971d00" ], "c5a0b0d0-ba57-4157-849b-5134ad74e9fa": [ "8af86a6f-ab8b-49a7-99c7-5a0184366247" ], "164f9d33-c29e-4d30-b487-e8cc2dceeb61": [ "8af86a6f-ab8b-49a7-99c7-5a0184366247" ], "7f2f0c37-3bfc-4889-8869-edb77c1e5351": [ "8af86a6f-ab8b-49a7-99c7-5a0184366247" ], "ec933b40-b58f-4b0b-87d5-9959f2906623": [ "8af86a6f-ab8b-49a7-99c7-5a0184366247" ], "d4902c82-080c-4164-9108-e35a5228fbd9": [ "8af86a6f-ab8b-49a7-99c7-5a0184366247" ], "96a6aec9-598c-4fd7-a27a-c3df786fa39a": [ "8af86a6f-ab8b-49a7-99c7-5a0184366247" ], "7bcbabe2-d4b2-445f-96c0-89987b07d07e": [ "8af86a6f-ab8b-49a7-99c7-5a0184366247" ], "b8c6791e-2c14-48c1-ac5f-e8e2237018e9": [ "8af86a6f-ab8b-49a7-99c7-5a0184366247" ], "6543d9fb-8422-464b-90f4-187b45f5b3da": [ "8af86a6f-ab8b-49a7-99c7-5a0184366247" ], "b6ae7c6d-36b7-4680-a2b3-7363ebab34cf": [ "8af86a6f-ab8b-49a7-99c7-5a0184366247" ], "74057be5-4be1-4987-89bc-c5ac516897bb": [ "700fd1e0-4ea9-412f-8d51-daeebfa3ee0b" ], "a2185883-1999-4689-8825-6d5e1d5c196e": [ "700fd1e0-4ea9-412f-8d51-daeebfa3ee0b" ], "18b651db-e955-4c15-8a84-9f39481151fc": [ "700fd1e0-4ea9-412f-8d51-daeebfa3ee0b" ], "6998d394-75fb-4656-bf3e-21d97177b264": [ "700fd1e0-4ea9-412f-8d51-daeebfa3ee0b" ], "03aa3ee5-ba88-4189-8524-3c10211b73d0": [ "700fd1e0-4ea9-412f-8d51-daeebfa3ee0b" ], "c851483b-9ba6-4138-9b54-4da37205898e": [ "700fd1e0-4ea9-412f-8d51-daeebfa3ee0b" ], "cfe3c42d-548f-46fa-a8f1-f2a14a1be4f2": [ "700fd1e0-4ea9-412f-8d51-daeebfa3ee0b" ], "cc8a6835-263d-40ea-a0a9-8aca5cbceca9": [ "700fd1e0-4ea9-412f-8d51-daeebfa3ee0b" ], "67b3179f-caef-463a-a372-74b2ec0d0695": [ "700fd1e0-4ea9-412f-8d51-daeebfa3ee0b" ], "2a3f6dca-4253-492d-9061-1fb6c0ce61ed": [ "700fd1e0-4ea9-412f-8d51-daeebfa3ee0b" ], "0ae0a28b-5af5-4e6e-b84a-949d09a067c1": [ "af51657f-07ac-432e-ba34-f2fe610d08fc" ], "185e02bc-1801-48b6-bcb8-847d08920d49": [ "af51657f-07ac-432e-ba34-f2fe610d08fc" ], "35ae3656-bd18-493f-8ed7-ec9a368ba558": [ "af51657f-07ac-432e-ba34-f2fe610d08fc" ], "16bb4690-f751-48c0-9060-b8b79dc5f00c": [ "af51657f-07ac-432e-ba34-f2fe610d08fc" ], "32455f59-72a5-47e8-8faa-5f443ab96ea2": [ "af51657f-07ac-432e-ba34-f2fe610d08fc" ], "bf8fa934-8086-4a00-a52a-7e714c8ad46f": [ "af51657f-07ac-432e-ba34-f2fe610d08fc" ], "cad01b7b-4922-4197-8ec5-4440fa743eb8": [ "af51657f-07ac-432e-ba34-f2fe610d08fc" ], "febe796d-6f6a-451c-b6c5-47dccc473877": [ "af51657f-07ac-432e-ba34-f2fe610d08fc" ], "6ce438e4-c812-4902-923d-5fab6b40b353": [ "af51657f-07ac-432e-ba34-f2fe610d08fc" ], "6969fd87-3421-443e-983d-7850105ff5db": [ "af51657f-07ac-432e-ba34-f2fe610d08fc" ], "1a5e0e81-516d-487c-b394-e4b8a8827c9f": [ "4b336a92-6c7c-4321-a4e4-c8d49c171be8" ], "7458e2b4-c8df-4486-99d9-61441c79d1f9": [ "4b336a92-6c7c-4321-a4e4-c8d49c171be8" ], "88b9bbf4-7fda-422a-88bf-3c31d39e5adf": [ "4b336a92-6c7c-4321-a4e4-c8d49c171be8" ], "20825b8a-7a36-428e-a69f-444b29e285c1": [ "4b336a92-6c7c-4321-a4e4-c8d49c171be8" ], "e8593fb2-f105-4953-b7d9-470d9ba9a4a9": [ "4b336a92-6c7c-4321-a4e4-c8d49c171be8" ], "64692c54-d9e2-4da4-a345-50081cec1e44": [ "4b336a92-6c7c-4321-a4e4-c8d49c171be8" ], "6c91825d-a9ba-41fe-9d07-2839ae124d81": [ "4b336a92-6c7c-4321-a4e4-c8d49c171be8" ], "807b8e76-603c-4169-b5f4-a72a4984f86d": [ "4b336a92-6c7c-4321-a4e4-c8d49c171be8" ], "7a3ac150-fc78-4282-8298-2a4a8469275b": [ "4b336a92-6c7c-4321-a4e4-c8d49c171be8" ], "dd59869f-50a0-4019-af69-1882101d8206": [ "4b336a92-6c7c-4321-a4e4-c8d49c171be8" ], "599e969c-47a9-42de-8d81-910a9a72fdf0": [ "0fa258f7-4c20-421a-a3b6-c3856e3f9c5e" ], "27779f76-d1de-4f1b-8854-1f08a21dbfa7": [ "0fa258f7-4c20-421a-a3b6-c3856e3f9c5e" ], "d33a4d1e-c95e-46da-a82c-173b8498893c": [ "0fa258f7-4c20-421a-a3b6-c3856e3f9c5e" ], "8475cfe2-d962-466b-98b8-edd2d34969c4": [ "0fa258f7-4c20-421a-a3b6-c3856e3f9c5e" ], "8eca2741-3b80-4acc-8521-c18f8d90d7b8": [ "0fa258f7-4c20-421a-a3b6-c3856e3f9c5e" ], "e54125c3-a46e-4a6f-8de4-25ffbffdc8ec": [ "0fa258f7-4c20-421a-a3b6-c3856e3f9c5e" ], "c38fb0c6-5952-48d9-943b-b39cf5fde750": [ "0fa258f7-4c20-421a-a3b6-c3856e3f9c5e" ], "f56659a5-39e8-4f30-b08a-dcdd2d3de1d6": [ "0fa258f7-4c20-421a-a3b6-c3856e3f9c5e" ], "508a65c4-0e0c-42fe-8950-a892436a39a6": [ "0fa258f7-4c20-421a-a3b6-c3856e3f9c5e" ], "0e41ffa4-0632-49da-8c98-9db76d35d327": [ "0fa258f7-4c20-421a-a3b6-c3856e3f9c5e" ], "77543111-56b6-4cf0-b377-cceedaa24500": [ "a59bd25a-0606-42ef-804d-118e7448f225" ], "ef81ade3-96e7-43e6-9599-f5283c5b8117": [ "a59bd25a-0606-42ef-804d-118e7448f225" ], "7d9ef316-fc7e-47fd-a966-8df45a4032ec": [ "a59bd25a-0606-42ef-804d-118e7448f225" ], "d33a58ba-33b1-4857-a3a5-03e5bc486cc8": [ "a59bd25a-0606-42ef-804d-118e7448f225" ], "4f5d308c-4559-413c-9812-0eee7d0d605c": [ "a59bd25a-0606-42ef-804d-118e7448f225" ], "3f555129-bb3f-4126-a250-f563b3981909": [ "a59bd25a-0606-42ef-804d-118e7448f225" ], "94d9b46a-d696-4fd7-8254-018777d3110e": [ "a59bd25a-0606-42ef-804d-118e7448f225" ], "ba10a96f-34be-4781-aa3c-d118dcc45f7a": [ "a59bd25a-0606-42ef-804d-118e7448f225" ], "b6d95573-2a47-4cbb-9552-66c6249d413b": [ "a59bd25a-0606-42ef-804d-118e7448f225" ], "24208bee-cef4-4e73-8340-b118ae320317": [ "a59bd25a-0606-42ef-804d-118e7448f225" ], "0c16a2fc-970b-4f99-97d5-60cf9c77676a": [ "c1ba575d-b840-4442-9f34-8ca13d527081" ], "02999910-7326-4198-b7f6-87addf36d56c": [ "c1ba575d-b840-4442-9f34-8ca13d527081" ], "3fd0d331-d19a-49e0-a3e1-82c57a22bc34": [ "c1ba575d-b840-4442-9f34-8ca13d527081" ], "608b4c34-0d04-46c3-8907-81cf4b8685b6": [ "c1ba575d-b840-4442-9f34-8ca13d527081" ], "b7c9c99a-f26a-4ec4-9da0-52edb6e6d8f5": [ "c1ba575d-b840-4442-9f34-8ca13d527081" ], "8749b729-f51a-4653-9a4a-05e687bf02ef": [ "c1ba575d-b840-4442-9f34-8ca13d527081" ], "a477ca04-b632-4caf-834b-738a428fdf28": [ "c1ba575d-b840-4442-9f34-8ca13d527081" ], "c3eba123-0309-425b-a632-bf7205cc8892": [ "c1ba575d-b840-4442-9f34-8ca13d527081" ], "f6b3fcb7-3715-4254-9b5e-92dafab023cd": [ "c1ba575d-b840-4442-9f34-8ca13d527081" ], "a61dd6b9-9df6-4db9-b555-4044ab3f9859": [ "c1ba575d-b840-4442-9f34-8ca13d527081" ], "ef4e9462-f01f-4aeb-9eb8-fdc03d3390bf": [ "04707682-a118-4641-91d8-5cc8c581f452" ], "c58f0a9d-a356-494d-ab53-abf5fe864cb1": [ "04707682-a118-4641-91d8-5cc8c581f452" ], "434bc8fc-e927-4ea9-9afd-f806c5bcddbd": [ "04707682-a118-4641-91d8-5cc8c581f452" ], "08ab999d-88d9-40c6-bc18-27148daf9a3a": [ "04707682-a118-4641-91d8-5cc8c581f452" ], "891fb308-ff8e-4f3a-bb69-63a3cefe0940": [ "04707682-a118-4641-91d8-5cc8c581f452" ], "9f349187-d248-455b-842c-bd1cf088efb1": [ "04707682-a118-4641-91d8-5cc8c581f452" ], "538379ed-c0ce-4683-bb22-9548c348d2cb": [ "04707682-a118-4641-91d8-5cc8c581f452" ], "72eef578-a07e-4b7e-b99a-c330e09e56b0": [ "04707682-a118-4641-91d8-5cc8c581f452" ], "652ae1a7-f861-4d45-b978-33432727d0f8": [ "04707682-a118-4641-91d8-5cc8c581f452" ], "65c7e397-fa28-477e-b50a-a0b828f6d7f3": [ "04707682-a118-4641-91d8-5cc8c581f452" ], "d3bad1f5-42ca-48ac-b452-4d7af292c57d": [ "70666042-5dd9-41d0-89cc-119fa628cf0e" ], "515b5648-1f28-499f-847b-56434ddbf6f7": [ "70666042-5dd9-41d0-89cc-119fa628cf0e" ], "6e7a8fda-8e63-4a44-8df2-5d2d504b38ee": [ "70666042-5dd9-41d0-89cc-119fa628cf0e" ], "efea4f6e-9d18-40c8-989e-3c36d5f87329": [ "70666042-5dd9-41d0-89cc-119fa628cf0e" ], "f784d5d4-58de-4d38-883f-33e3884070a4": [ "70666042-5dd9-41d0-89cc-119fa628cf0e" ], "814597b9-fc88-442b-a008-7b53281809b9": [ "70666042-5dd9-41d0-89cc-119fa628cf0e" ], "09e943b0-d5ef-4621-a486-8add98067ae7": [ "70666042-5dd9-41d0-89cc-119fa628cf0e" ], "78ced807-a9a9-4de0-a090-b2fed6af4ba0": [ "70666042-5dd9-41d0-89cc-119fa628cf0e" ], "be2ad5e0-bf03-479f-8e07-9ecad6c47a32": [ "70666042-5dd9-41d0-89cc-119fa628cf0e" ], "bf8ee106-6f27-43b8-aebe-9b57ef5488ed": [ "70666042-5dd9-41d0-89cc-119fa628cf0e" ], "11de49a6-b90f-464a-89bb-ab818e50f489": [ "d41b000c-49d4-45dc-a6dc-38accdf0647b" ], "6c41742e-db73-49d0-ba6f-99b839d4c7e5": [ "d41b000c-49d4-45dc-a6dc-38accdf0647b" ], "bdd60947-6629-4d48-9911-c83975a31315": [ "d41b000c-49d4-45dc-a6dc-38accdf0647b" ], "ee6e3133-b7a6-4d61-99cc-422ed9d6e87c": [ "d41b000c-49d4-45dc-a6dc-38accdf0647b" ], "8d96e09b-0ca3-4c22-8821-846b6ed36aef": [ "d41b000c-49d4-45dc-a6dc-38accdf0647b" ], "3ed9ba6a-ce59-41e9-b37b-2d0fee28b12a": [ "d41b000c-49d4-45dc-a6dc-38accdf0647b" ], "10096225-2909-4fba-8965-10ce4b05853b": [ "d41b000c-49d4-45dc-a6dc-38accdf0647b" ], "2d23578a-b933-499c-84be-f005d1a9e0e8": [ "d41b000c-49d4-45dc-a6dc-38accdf0647b" ], "5d75c568-8340-4f48-aa13-d21b48d1bc74": [ "d41b000c-49d4-45dc-a6dc-38accdf0647b" ], "e632222c-5d94-42f5-9b6e-8a50e83adb43": [ "d41b000c-49d4-45dc-a6dc-38accdf0647b" ], "aa12bf72-835e-4ee1-8bfe-9463322c460d": [ "6dfc2151-a0b6-4757-85d9-a7b7ef524274" ], "514dffcb-6bf7-40d1-b26e-e4eb02317d96": [ "6dfc2151-a0b6-4757-85d9-a7b7ef524274" ], "6ac83a88-aaf4-492c-815b-40fd6e3b34d7": [ "6dfc2151-a0b6-4757-85d9-a7b7ef524274" ], "a1856986-4703-4343-96a4-3c34b098f009": [ "6dfc2151-a0b6-4757-85d9-a7b7ef524274" ], "1b7b3ab6-34c8-4e17-8df9-bc66c8b76c1b": [ "6dfc2151-a0b6-4757-85d9-a7b7ef524274" ], "b2745769-0c8d-4dcb-9ef3-fdb56100b552": [ "6dfc2151-a0b6-4757-85d9-a7b7ef524274" ], "08f200bb-4f94-4341-b313-a910bc4c8cee": [ "6dfc2151-a0b6-4757-85d9-a7b7ef524274" ], "795711c1-af02-4b52-929f-7973fd7664c5": [ "6dfc2151-a0b6-4757-85d9-a7b7ef524274" ], "70e85bd9-131b-402c-8006-a53da1d0f1bb": [ "6dfc2151-a0b6-4757-85d9-a7b7ef524274" ], "87604c82-e263-4c6d-a9d0-beff12362c2b": [ "6dfc2151-a0b6-4757-85d9-a7b7ef524274" ], "a7b70d7f-34e3-48d9-a0b3-95f3b3ef0521": [ "02f874ea-1816-42b1-9153-53c6588a7f13" ], "33c03aa6-6ff9-4191-b3f0-4f7a13fa778e": [ "02f874ea-1816-42b1-9153-53c6588a7f13" ], "8aa3d2f8-40ea-4f85-90ec-ce1e0c7cd719": [ "02f874ea-1816-42b1-9153-53c6588a7f13" ], "4ab06fbc-d03d-4500-9341-1149dad1350d": [ "02f874ea-1816-42b1-9153-53c6588a7f13" ], "c628d8ca-1998-4052-8e20-abaf9b8525da": [ "02f874ea-1816-42b1-9153-53c6588a7f13" ], "e7a803dc-979a-4d42-aba6-26ff77ff6fbe": [ "02f874ea-1816-42b1-9153-53c6588a7f13" ], "c41b222f-9c07-4aeb-9eb0-6cb034413809": [ "02f874ea-1816-42b1-9153-53c6588a7f13" ], "45628e79-6e57-4dbc-9441-e5b97f41bcd3": [ "02f874ea-1816-42b1-9153-53c6588a7f13" ], "0b1634dd-e949-4ad8-8d8c-a3a7fa8c29a3": [ "02f874ea-1816-42b1-9153-53c6588a7f13" ], "1cd95872-e611-4ac0-a676-f7b38129edea": [ "02f874ea-1816-42b1-9153-53c6588a7f13" ], "9506084e-5065-489b-9403-540c76ba2568": [ "35865a87-76b0-4be1-adcd-d483370629ba" ], "a3f1a638-b797-4b97-8f81-1f86ac4a8338": [ "35865a87-76b0-4be1-adcd-d483370629ba" ], "21c9b4fb-0cc8-45c9-9ed6-72c75d0797ef": [ "35865a87-76b0-4be1-adcd-d483370629ba" ], "46c5bcc3-bc11-42fa-a465-07b9c8aa2656": [ "35865a87-76b0-4be1-adcd-d483370629ba" ], "d9a40036-3a2e-4a73-80aa-5af731337fce": [ "35865a87-76b0-4be1-adcd-d483370629ba" ], "7b094bb0-6197-424f-ae52-abe1283d9f59": [ "35865a87-76b0-4be1-adcd-d483370629ba" ], "7417224c-abea-485e-8da1-5e6b48bf0981": [ "35865a87-76b0-4be1-adcd-d483370629ba" ], "8304a0fe-a6fe-46bd-9c50-7110e3a6a6b2": [ "35865a87-76b0-4be1-adcd-d483370629ba" ], "d9ff64e7-fae6-4a80-8e18-038fc5b15872": [ "35865a87-76b0-4be1-adcd-d483370629ba" ], "44b4d649-25d9-49fc-abc4-d7bffd594b28": [ "35865a87-76b0-4be1-adcd-d483370629ba" ], "ed0aec02-88f9-4fbe-a1fd-d982281f4fed": [ "03e53d98-9b96-4c8d-9515-82786f885f3b" ], "d4ed4e05-6696-49e9-bef0-7006135f4ad7": [ "03e53d98-9b96-4c8d-9515-82786f885f3b" ], "1d544934-a352-454b-9621-f5a681cbaff6": [ "03e53d98-9b96-4c8d-9515-82786f885f3b" ], "5ae5b5a6-35e1-4170-abec-dd8ceff88e1b": [ "03e53d98-9b96-4c8d-9515-82786f885f3b" ], "08ff36e0-433e-48ea-9922-9a25350c8911": [ "03e53d98-9b96-4c8d-9515-82786f885f3b" ], "cba1e848-1f91-4a86-8651-24b160be4b43": [ "03e53d98-9b96-4c8d-9515-82786f885f3b" ], "e5e620ea-76eb-4e84-90dd-d1854d14a8fa": [ "03e53d98-9b96-4c8d-9515-82786f885f3b" ], "f2957f4a-baee-4dd9-b6ac-c8962408156c": [ "03e53d98-9b96-4c8d-9515-82786f885f3b" ], "1d204397-526b-4ade-86c4-5f230c740bec": [ "03e53d98-9b96-4c8d-9515-82786f885f3b" ], "9051aabb-18d7-46f8-993b-a3222d982187": [ "03e53d98-9b96-4c8d-9515-82786f885f3b" ], "0d9605ce-aeec-418e-8fdf-8b102e985003": [ "68ed7f3d-8dd3-4060-af20-4a487aa0aee2" ], "a5916ac2-fdd1-47ca-b393-cc7f7ba27089": [ "68ed7f3d-8dd3-4060-af20-4a487aa0aee2" ], "1ceecad9-97ce-43ad-a560-66a98258136f": [ "68ed7f3d-8dd3-4060-af20-4a487aa0aee2" ], "ddaa4851-4181-4609-86bb-11d9925a47ed": [ "68ed7f3d-8dd3-4060-af20-4a487aa0aee2" ], "0168ca0d-c9d0-4702-9ab8-904c23b86937": [ "68ed7f3d-8dd3-4060-af20-4a487aa0aee2" ], "6988faf3-fd77-4ed0-af49-e934f8c80824": [ "68ed7f3d-8dd3-4060-af20-4a487aa0aee2" ], "f61c86a5-0cf6-4466-97a5-0cfd1c0dc6a4": [ "68ed7f3d-8dd3-4060-af20-4a487aa0aee2" ], "5f7f4cdc-4740-44cf-a6ee-8dc0ca5cef01": [ "68ed7f3d-8dd3-4060-af20-4a487aa0aee2" ], "3096da05-481b-4eb3-858d-c1c1f079d16f": [ "68ed7f3d-8dd3-4060-af20-4a487aa0aee2" ], "1e614ead-005f-47d6-8d1f-8994843e5c00": [ "68ed7f3d-8dd3-4060-af20-4a487aa0aee2" ], "a64e0cac-e0b8-494f-941e-569e823bbf47": [ "da370efb-f01b-452c-bbd4-ee2e179b4e52" ], "28ffa61d-b5a1-4d9e-870b-84071e145d39": [ "da370efb-f01b-452c-bbd4-ee2e179b4e52" ], "0b063662-df44-4011-b803-edde9e4a3bcb": [ "da370efb-f01b-452c-bbd4-ee2e179b4e52" ], "b120c43d-85a1-4f25-b565-0c09feb39060": [ "da370efb-f01b-452c-bbd4-ee2e179b4e52" ], "3c08f120-80db-4598-877b-49e3fc8c86e8": [ "da370efb-f01b-452c-bbd4-ee2e179b4e52" ], "4a3ab6f6-a3f5-4084-b503-2f96e70be2b4": [ "da370efb-f01b-452c-bbd4-ee2e179b4e52" ], "0592b51e-3357-4cec-baaf-ac3f4909e4ef": [ "da370efb-f01b-452c-bbd4-ee2e179b4e52" ], "c721a6f5-f7ac-4419-96fc-10b78ad33c68": [ "da370efb-f01b-452c-bbd4-ee2e179b4e52" ], "4a1554b5-9bb2-4314-a681-c282cfdd3212": [ "da370efb-f01b-452c-bbd4-ee2e179b4e52" ], "e14380f2-0602-4ef3-828f-3b0e0ef4e570": [ "da370efb-f01b-452c-bbd4-ee2e179b4e52" ], "e37e6e96-79f9-40ae-ae40-75de0ee0f35e": [ "75a04f0e-3b1e-4f44-a2b0-486f436202a5" ], "5c6ba6db-e43c-40ed-af15-7b7eadd0fafd": [ "75a04f0e-3b1e-4f44-a2b0-486f436202a5" ], "fab6a9f5-01ec-45c3-b886-5b46c9325f4a": [ "75a04f0e-3b1e-4f44-a2b0-486f436202a5" ], "8c13d679-f0ab-49f1-8f11-e6526b70363d": [ "75a04f0e-3b1e-4f44-a2b0-486f436202a5" ], "241451ee-aadf-48c6-a08b-deda72bbf178": [ "75a04f0e-3b1e-4f44-a2b0-486f436202a5" ], "17e073cb-5105-4ab0-a7a7-0e694331f967": [ "75a04f0e-3b1e-4f44-a2b0-486f436202a5" ], "f9a88f0d-6b30-4ae1-8fe6-151ed0d4cdef": [ "75a04f0e-3b1e-4f44-a2b0-486f436202a5" ], "ad9a752a-f798-4785-941c-7743244615d5": [ "75a04f0e-3b1e-4f44-a2b0-486f436202a5" ], "5a655a08-d489-4ad5-9704-33c8e5277267": [ "75a04f0e-3b1e-4f44-a2b0-486f436202a5" ], "347f7610-fc8e-4c73-9283-d46f5fbe2c84": [ "75a04f0e-3b1e-4f44-a2b0-486f436202a5" ], "b84f73f2-711a-4c6f-acfb-c201505ba047": [ "86c1a7a6-bbbb-44e2-a243-cf8f911daffa" ], "5729244b-ef33-44e3-9b64-22f71761bb72": [ "86c1a7a6-bbbb-44e2-a243-cf8f911daffa" ], "8b62fb77-5312-42be-b069-8e39954c2d42": [ "86c1a7a6-bbbb-44e2-a243-cf8f911daffa" ], "895394a4-031d-4b46-bda6-21da0ecbdc8e": [ "86c1a7a6-bbbb-44e2-a243-cf8f911daffa" ], "d0f03770-9472-4f2d-b0b9-339786a3fab6": [ "86c1a7a6-bbbb-44e2-a243-cf8f911daffa" ], "72352335-62fe-4aae-97e6-847ae5e580e9": [ "86c1a7a6-bbbb-44e2-a243-cf8f911daffa" ], "5cd78f7b-b373-44cc-bb24-f6f72b183a26": [ "86c1a7a6-bbbb-44e2-a243-cf8f911daffa" ], "b4f03f31-2b89-431c-96d1-00c8bf455895": [ "86c1a7a6-bbbb-44e2-a243-cf8f911daffa" ], "fddd6653-fb02-473f-b8e5-2d1b528e46e0": [ "86c1a7a6-bbbb-44e2-a243-cf8f911daffa" ], "fe40c399-a1bf-4989-a09f-667d16cae0bb": [ "86c1a7a6-bbbb-44e2-a243-cf8f911daffa" ], "baf65f08-6fd7-458d-8d38-e043be72cb34": [ "e1ac5013-834a-4c28-a734-d48fa68b6ea7" ], "57d13064-3e5f-4cd1-83aa-f02aef16fdf6": [ "e1ac5013-834a-4c28-a734-d48fa68b6ea7" ], "3b625413-1d91-4eea-8c5f-2a2f58d58e4a": [ "e1ac5013-834a-4c28-a734-d48fa68b6ea7" ], "b7ffe9b0-0dc9-4b42-bb3e-bc15558e8555": [ "e1ac5013-834a-4c28-a734-d48fa68b6ea7" ], "929256e9-5b5c-49d5-99be-8ca7ede1efcf": [ "e1ac5013-834a-4c28-a734-d48fa68b6ea7" ], "14f08f56-5717-4c01-8706-93214413f8b4": [ "e1ac5013-834a-4c28-a734-d48fa68b6ea7" ], "913c0cde-6414-430b-a74c-7270e5d3bd6a": [ "e1ac5013-834a-4c28-a734-d48fa68b6ea7" ], "3063841e-b96b-471a-8c2e-7b37419fada9": [ "e1ac5013-834a-4c28-a734-d48fa68b6ea7" ], "f3cd38ff-3e2c-457b-a832-0a5c4f9992c3": [ "e1ac5013-834a-4c28-a734-d48fa68b6ea7" ], "6898708e-5bf2-4633-8f53-0db1ca59d905": [ "e1ac5013-834a-4c28-a734-d48fa68b6ea7" ], "902dfd68-c515-4552-8303-a33996570b7e": [ "dbe81e9d-5afe-4b8b-b08d-6396ad719b21" ], "8c20595e-1cf1-401d-a52a-f312acb0b0b6": [ "dbe81e9d-5afe-4b8b-b08d-6396ad719b21" ], "0b1f1319-572f-49ad-beff-0f98183e9a50": [ "dbe81e9d-5afe-4b8b-b08d-6396ad719b21" ], "f5e757fa-a442-438d-9b3d-5fcafbeef15a": [ "dbe81e9d-5afe-4b8b-b08d-6396ad719b21" ], "b1d95689-f24b-4be9-87d9-097c3be09043": [ "dbe81e9d-5afe-4b8b-b08d-6396ad719b21" ], "77d06224-db8f-4f50-974b-bba76f093852": [ "dbe81e9d-5afe-4b8b-b08d-6396ad719b21" ], "a73e70b9-7f11-4c55-8509-43f57d030b62": [ "dbe81e9d-5afe-4b8b-b08d-6396ad719b21" ], "a0da6c54-ca5f-4028-935e-e0b15412686e": [ "dbe81e9d-5afe-4b8b-b08d-6396ad719b21" ], "4aca57f1-5b1a-48f6-8ba4-f03b846a3805": [ "dbe81e9d-5afe-4b8b-b08d-6396ad719b21" ], "514d79d4-341f-419c-8473-4ab1507a6dbd": [ "dbe81e9d-5afe-4b8b-b08d-6396ad719b21" ], "e0bda0b7-aeb8-431c-bc4e-eb105c146f04": [ "1a924003-c009-4a42-829a-103241e0c37c" ], "3542d2a1-93e7-4fa0-bdfb-deb8c2dfb336": [ "1a924003-c009-4a42-829a-103241e0c37c" ], "1be443e3-99d7-4087-af56-f7448cd8298b": [ "1a924003-c009-4a42-829a-103241e0c37c" ], "657bf4e5-894e-4eec-ad13-30d82580ae2a": [ "1a924003-c009-4a42-829a-103241e0c37c" ], "352a1bc0-8b1a-4110-9410-de6c3518e60a": [ "1a924003-c009-4a42-829a-103241e0c37c" ], "21693c3d-8762-4f36-b23f-3e02e4354a30": [ "1a924003-c009-4a42-829a-103241e0c37c" ], "fd0a8d16-fb61-4b2f-983c-038f1285578e": [ "1a924003-c009-4a42-829a-103241e0c37c" ], "3c5b4c7b-3aa5-4cbd-9966-5a03b05a645b": [ "1a924003-c009-4a42-829a-103241e0c37c" ], "ae91c981-ffaf-41f3-98fd-3db59611a64c": [ "1a924003-c009-4a42-829a-103241e0c37c" ], "f1345481-f07c-4d50-bb1f-5e107128410f": [ "1a924003-c009-4a42-829a-103241e0c37c" ], "d4d4aeb9-9a21-4c60-80b7-a4a59204c852": [ "11a8cf70-38ae-441b-8123-910f5a8a255f" ], "18546d9f-3a63-4f44-95f3-cdc292d9b441": [ "11a8cf70-38ae-441b-8123-910f5a8a255f" ], "58545979-9fce-4303-8988-fc31a45def00": [ "11a8cf70-38ae-441b-8123-910f5a8a255f" ], "2547d37f-2d9b-4478-941c-c6513fcdb169": [ "11a8cf70-38ae-441b-8123-910f5a8a255f" ], "47b1bda9-49fe-4318-946b-4b8ffef73fce": [ "11a8cf70-38ae-441b-8123-910f5a8a255f" ], "a519b697-9f1c-41a8-8716-c870150cecfb": [ "11a8cf70-38ae-441b-8123-910f5a8a255f" ], "8f66b022-fbda-477e-997c-e59904b9ad57": [ "11a8cf70-38ae-441b-8123-910f5a8a255f" ], "733d442c-aefd-4cdb-a40e-70b611302dc6": [ "11a8cf70-38ae-441b-8123-910f5a8a255f" ], "c984c68b-dab5-4937-8bdc-bcea6a305c6f": [ "11a8cf70-38ae-441b-8123-910f5a8a255f" ], "dd8ab6fe-7ede-44ec-babe-3d29a279029e": [ "11a8cf70-38ae-441b-8123-910f5a8a255f" ], "5bf734d3-f69a-4d36-a130-19685461f942": [ "23754f4f-5ab5-47ae-b6b8-764eaaed8d4b" ], "cee8028e-2658-4d78-bd9b-cac0d47ff62a": [ "23754f4f-5ab5-47ae-b6b8-764eaaed8d4b" ], "fb400c5b-0f3e-4d23-ba42-6d6c9bb74846": [ "23754f4f-5ab5-47ae-b6b8-764eaaed8d4b" ], "80594dc7-67fb-48bb-8e4c-16199d24b7db": [ "23754f4f-5ab5-47ae-b6b8-764eaaed8d4b" ], "e25a5076-3530-415e-93ea-1b65be9abf29": [ "23754f4f-5ab5-47ae-b6b8-764eaaed8d4b" ], "d1570bd4-3020-4242-a3a6-9fac89b0ed5b": [ "23754f4f-5ab5-47ae-b6b8-764eaaed8d4b" ], "ab464d09-2b04-4c42-88c9-254e5369242b": [ "23754f4f-5ab5-47ae-b6b8-764eaaed8d4b" ], "cc1b54c4-a94c-470e-9c23-3cbe7ae80f74": [ "23754f4f-5ab5-47ae-b6b8-764eaaed8d4b" ], "b6edd2ff-d190-4f74-8e34-831a8917c88c": [ "23754f4f-5ab5-47ae-b6b8-764eaaed8d4b" ], "b2d488ab-dc8e-45f6-bc22-e3482c30bb6b": [ "23754f4f-5ab5-47ae-b6b8-764eaaed8d4b" ], "f558db78-94d2-45c0-8c65-bfa559b86c0a": [ "e5877025-04fd-4529-85cb-228ea114a9c6" ], "d7cd87a1-79df-47ae-a7ca-451a3fcd950e": [ "e5877025-04fd-4529-85cb-228ea114a9c6" ], "db98dded-ba9a-46b4-9d47-22f3e5aa6e3a": [ "e5877025-04fd-4529-85cb-228ea114a9c6" ], "9935ca4f-9543-4d94-bbac-2af6272ad13b": [ "e5877025-04fd-4529-85cb-228ea114a9c6" ], "1c09aa45-3f12-4a22-a679-9911b518ba54": [ "e5877025-04fd-4529-85cb-228ea114a9c6" ], "108dc6a9-d4f0-4752-9342-a30507ccd67f": [ "e5877025-04fd-4529-85cb-228ea114a9c6" ], "ec2ff427-270d-4d1b-9e9e-790c19251fba": [ "e5877025-04fd-4529-85cb-228ea114a9c6" ], "0aa4dbcb-6f1e-4d46-86f8-128353d2243e": [ "e5877025-04fd-4529-85cb-228ea114a9c6" ], "ef5e84ca-070c-4f43-8d9b-9d8594bb9656": [ "e5877025-04fd-4529-85cb-228ea114a9c6" ], "23a3ec05-fa96-44f0-9f44-14d4c40ddcfc": [ "e5877025-04fd-4529-85cb-228ea114a9c6" ], "b3cf53fa-e06c-4ba5-a1be-0717d845c131": [ "12dba9c4-de47-48e8-bec8-135e330a35c4" ], "f87a3380-b291-4f27-b743-2ed6ba36a2f1": [ "12dba9c4-de47-48e8-bec8-135e330a35c4" ], "6a234477-f17b-40c7-a7ac-5dd9c834701a": [ "12dba9c4-de47-48e8-bec8-135e330a35c4" ], "8f6cfd90-594f-481d-82ba-1c2c81dc778b": [ "12dba9c4-de47-48e8-bec8-135e330a35c4" ], "0f50716b-6369-4483-8038-27ca3f6450bb": [ "12dba9c4-de47-48e8-bec8-135e330a35c4" ], "dccfb8c2-9bd4-46a0-8c75-2f53b358e7f8": [ "12dba9c4-de47-48e8-bec8-135e330a35c4" ], "ea94a0a0-5008-4fd8-b17b-d798a2f674c5": [ "12dba9c4-de47-48e8-bec8-135e330a35c4" ], "8ecece08-534d-42f6-966f-0421e90976d8": [ "12dba9c4-de47-48e8-bec8-135e330a35c4" ], "6a578180-0b14-4f75-9e31-c6ec871f7013": [ "12dba9c4-de47-48e8-bec8-135e330a35c4" ], "0c05eef3-2062-4a8f-b0c9-38ac2073c2a9": [ "12dba9c4-de47-48e8-bec8-135e330a35c4" ], "712e2a6a-07fd-4741-bcbf-0dfa815d8594": [ "b8c67b11-1645-470d-92f5-eb36f565f076" ], "0ee7905e-8263-4366-a6db-9275dad983bb": [ "b8c67b11-1645-470d-92f5-eb36f565f076" ], "67888fa0-54f2-4768-b449-4acb102697b2": [ "b8c67b11-1645-470d-92f5-eb36f565f076" ], "737e9a9b-72f4-4183-ac7b-9530ae47f158": [ "b8c67b11-1645-470d-92f5-eb36f565f076" ], "e7107e83-b258-4d58-8a6d-3f3b03a58208": [ "b8c67b11-1645-470d-92f5-eb36f565f076" ], "ab243c02-f26e-4cf5-b5e8-2616a37198f8": [ "b8c67b11-1645-470d-92f5-eb36f565f076" ], "63acb740-375f-4674-ad7e-177f9a15d731": [ "b8c67b11-1645-470d-92f5-eb36f565f076" ], "e23eeb49-ad7a-48fe-b8d1-218028722826": [ "b8c67b11-1645-470d-92f5-eb36f565f076" ], "cfb6b370-9745-4e46-bc29-a7be67a689eb": [ "b8c67b11-1645-470d-92f5-eb36f565f076" ], "4fba2b23-157f-4a2b-88f5-25058173111c": [ "b8c67b11-1645-470d-92f5-eb36f565f076" ], "7eef2676-73de-4dbc-bb67-9949e0dfc4c6": [ "8ef54296-50ad-4f3a-a236-917f819830e5" ], "2b7fd285-9f10-40c4-b7ed-5fd4e2c9043e": [ "8ef54296-50ad-4f3a-a236-917f819830e5" ], "fce237e4-a6c5-4d42-a281-d4d0130407fa": [ "8ef54296-50ad-4f3a-a236-917f819830e5" ], "ee561f09-8c71-4e7b-87df-96aa57970858": [ "8ef54296-50ad-4f3a-a236-917f819830e5" ], "8b4c2691-7c8f-4f42-aa8a-068ab62f510b": [ "8ef54296-50ad-4f3a-a236-917f819830e5" ], "41d25c3d-40bc-41b9-b77b-20219a9c1969": [ "8ef54296-50ad-4f3a-a236-917f819830e5" ], "c177a435-6bcc-42df-86e9-30bccac7d1ba": [ "8ef54296-50ad-4f3a-a236-917f819830e5" ], "73dee678-a71f-4a4e-b6d8-9abd398110b7": [ "8ef54296-50ad-4f3a-a236-917f819830e5" ], "c9cf5862-4777-4107-b117-cc961e37f6b3": [ "8ef54296-50ad-4f3a-a236-917f819830e5" ], "d12ee152-4061-4151-b2eb-737cf981cbfe": [ "8ef54296-50ad-4f3a-a236-917f819830e5" ], "cc1a1ffb-cc09-4e1d-9798-b99451643c6b": [ "f51b017b-111b-440b-8757-425a5b1256ba" ], "04e5ea63-e21a-4261-819a-f052f2e7d2ec": [ "f51b017b-111b-440b-8757-425a5b1256ba" ], "b9b136a1-fdcf-4bd1-968c-b42fb5390d1d": [ "f51b017b-111b-440b-8757-425a5b1256ba" ], "1add6439-8067-4e40-a27e-224776f066a3": [ "f51b017b-111b-440b-8757-425a5b1256ba" ], "f3fb5dad-809b-4721-822c-70dcba674038": [ "f51b017b-111b-440b-8757-425a5b1256ba" ], "953bb1de-0d79-4117-a419-ea5eafae599c": [ "f51b017b-111b-440b-8757-425a5b1256ba" ], "edaad10c-924b-49fe-bd78-7a427232b182": [ "f51b017b-111b-440b-8757-425a5b1256ba" ], "db245ccf-4516-497d-adfd-205839b0013f": [ "f51b017b-111b-440b-8757-425a5b1256ba" ], "368034e8-cc41-4b68-9652-b050dd98c0ae": [ "f51b017b-111b-440b-8757-425a5b1256ba" ], "b52d5cc9-c410-41a8-9edc-75d1b9d0e5e2": [ "f51b017b-111b-440b-8757-425a5b1256ba" ], "f4c33982-f15c-4645-a1f8-4e34a95b3538": [ "c49029da-a766-4083-bd60-16e2af3965b9" ], "f7489a25-3caf-4da9-bd49-b15aa7e09640": [ "c49029da-a766-4083-bd60-16e2af3965b9" ], "af86ed13-9975-4f1b-bad9-fce956ff7d64": [ "c49029da-a766-4083-bd60-16e2af3965b9" ], "9a4deb81-14c9-48ee-84cc-15ce160f84a0": [ "c49029da-a766-4083-bd60-16e2af3965b9" ], "d573ffd8-2c9f-4eb4-878f-d641d2537fa9": [ "c49029da-a766-4083-bd60-16e2af3965b9" ], "d3478c51-1f45-4951-95d5-eb4267968f4c": [ "c49029da-a766-4083-bd60-16e2af3965b9" ], "e7a7c721-26c0-44fa-b8fb-16b7c2827922": [ "c49029da-a766-4083-bd60-16e2af3965b9" ], "846e321e-dcfe-4189-b67c-dcde4c8735d1": [ "c49029da-a766-4083-bd60-16e2af3965b9" ], "cde7e8c5-5f60-4a3a-8867-25d3083121f3": [ "c49029da-a766-4083-bd60-16e2af3965b9" ], "bbff1299-b23e-4f42-b81a-bb8f3e221b86": [ "c49029da-a766-4083-bd60-16e2af3965b9" ], "4ec575c6-c974-485f-a604-b0735eb5b409": [ "4f6ac33b-b2cb-412e-9b9c-c5f563f9c095" ], "359ed624-d8ed-491c-95b5-8b9268fb4766": [ "4f6ac33b-b2cb-412e-9b9c-c5f563f9c095" ], "e5f38499-df8e-4985-86c4-2aef272e4905": [ "4f6ac33b-b2cb-412e-9b9c-c5f563f9c095" ], "748db4e0-2f99-4da7-9da3-0cc21c08bc38": [ "4f6ac33b-b2cb-412e-9b9c-c5f563f9c095" ], "f3904491-f228-4b22-98a8-04df16b7659b": [ "4f6ac33b-b2cb-412e-9b9c-c5f563f9c095" ], "ba398ae0-cbf5-48d0-a5b9-a71a6eb5d227": [ "4f6ac33b-b2cb-412e-9b9c-c5f563f9c095" ], "82c692ae-3e42-4afe-9d21-57a7a19e702c": [ "4f6ac33b-b2cb-412e-9b9c-c5f563f9c095" ], "c53fe3a9-6d66-43f8-884c-011d3a44707c": [ "4f6ac33b-b2cb-412e-9b9c-c5f563f9c095" ], "ec76ad38-a1d1-4b02-aca6-08b376189544": [ "4f6ac33b-b2cb-412e-9b9c-c5f563f9c095" ], "76d2c858-4b9d-401d-a486-cdd0876b8280": [ "4f6ac33b-b2cb-412e-9b9c-c5f563f9c095" ], "6cf6d595-50a1-4fab-bea1-e3e874deb76f": [ "e0abca1e-7e6a-426e-8359-2e6f50eab442" ], "f3733223-90a7-4736-979e-b1465858c188": [ "e0abca1e-7e6a-426e-8359-2e6f50eab442" ], "b3f0b0b2-42e2-4db9-9ad4-d72321da17aa": [ "e0abca1e-7e6a-426e-8359-2e6f50eab442" ], "9ec4d563-ddd2-4fa1-b48e-aa5563503cc1": [ "e0abca1e-7e6a-426e-8359-2e6f50eab442" ], "c834601e-67f6-482f-8a1d-6d912c9c9499": [ "e0abca1e-7e6a-426e-8359-2e6f50eab442" ], "f8e43cc4-b565-433c-bccf-74950a204202": [ "e0abca1e-7e6a-426e-8359-2e6f50eab442" ], "4679892d-22e7-42d7-96e8-eefceb16f040": [ "e0abca1e-7e6a-426e-8359-2e6f50eab442" ], "c7dfe014-d5f9-4794-a1e6-5f89994e8fc3": [ "e0abca1e-7e6a-426e-8359-2e6f50eab442" ], "0a92e2d6-8103-4e4c-8966-8daedd1aea6e": [ "e0abca1e-7e6a-426e-8359-2e6f50eab442" ], "fe76be66-acb5-4b7e-a288-64e6fb464f31": [ "e0abca1e-7e6a-426e-8359-2e6f50eab442" ], "e636f728-086c-41da-8f0e-efea726ac673": [ "e1c83482-b898-4af9-936c-7a15f9fcc73b" ], "27480888-15c5-40ae-867f-bda5753a32f1": [ "e1c83482-b898-4af9-936c-7a15f9fcc73b" ], "41290dce-be71-4594-9e50-98b55ca4ec7c": [ "e1c83482-b898-4af9-936c-7a15f9fcc73b" ], "506ae0cc-bfb5-49a1-9b2f-39f1108dac2f": [ "e1c83482-b898-4af9-936c-7a15f9fcc73b" ], "fdc56f57-9ceb-4ae7-a1ba-35ff29451ac4": [ "e1c83482-b898-4af9-936c-7a15f9fcc73b" ], "a686c760-2aa9-4958-9953-5aa50ef3d03d": [ "e1c83482-b898-4af9-936c-7a15f9fcc73b" ], "5c1a83f8-223a-4b8a-9db0-bd9a6d3a7f7f": [ "e1c83482-b898-4af9-936c-7a15f9fcc73b" ], "0a815139-d8fa-48b9-9bfd-bfa86312478b": [ "e1c83482-b898-4af9-936c-7a15f9fcc73b" ], "6f2da8f7-efa9-4c6b-8d97-5bbf1b989d00": [ "e1c83482-b898-4af9-936c-7a15f9fcc73b" ], "ea91dd5c-9be2-4e8d-baae-7bddcf89db1c": [ "e1c83482-b898-4af9-936c-7a15f9fcc73b" ], "92cd2db2-913c-4516-95ff-7a9745213579": [ "775da742-0eb9-4d9d-97f8-5099460c2a11" ], "d9005812-b657-4506-8ae8-061a86b26b21": [ "775da742-0eb9-4d9d-97f8-5099460c2a11" ], "8bc8c279-6143-491f-8fd4-fbc9993fbb72": [ "775da742-0eb9-4d9d-97f8-5099460c2a11" ], "b106c349-87eb-403b-84ab-cbf6b8f6d9cc": [ "775da742-0eb9-4d9d-97f8-5099460c2a11" ], "74551a3d-2dab-445d-9c0a-73d45c1f6aa2": [ "775da742-0eb9-4d9d-97f8-5099460c2a11" ], "93a03b21-34ce-464b-8928-caf5470f3177": [ "775da742-0eb9-4d9d-97f8-5099460c2a11" ], "d7c5b741-c2ba-463b-b437-bec2e8e25105": [ "775da742-0eb9-4d9d-97f8-5099460c2a11" ], "9e49d526-e617-4014-9fcd-616fcb2956bd": [ "775da742-0eb9-4d9d-97f8-5099460c2a11" ], "b3b7c02b-2024-4288-9871-caf04fafd9dc": [ "775da742-0eb9-4d9d-97f8-5099460c2a11" ], "3670b3c3-7509-4404-9d4f-4a6b66fc093a": [ "775da742-0eb9-4d9d-97f8-5099460c2a11" ], "ffddcd1f-7bc4-4cac-ab85-03a7d53c640e": [ "ea7e9058-ddd8-401b-b4ad-f77d18845aca" ], "a8701519-d6d9-4cc5-9af1-cd86efa59542": [ "ea7e9058-ddd8-401b-b4ad-f77d18845aca" ], "32bb4942-3c27-471b-a4eb-0415954567b8": [ "ea7e9058-ddd8-401b-b4ad-f77d18845aca" ], "cde7ebfc-4c19-4fa5-aeaf-c054a80ef08e": [ "ea7e9058-ddd8-401b-b4ad-f77d18845aca" ], "830614b7-0ba0-4f6a-9bad-456747943942": [ "ea7e9058-ddd8-401b-b4ad-f77d18845aca" ], "ccb190e6-5656-46f9-bbed-bdb213325246": [ "ea7e9058-ddd8-401b-b4ad-f77d18845aca" ], "57b2f00e-0904-4a37-9d65-32d326dfa87c": [ "ea7e9058-ddd8-401b-b4ad-f77d18845aca" ], "f24e6212-8fc8-4b19-89d7-1090667a67f9": [ "ea7e9058-ddd8-401b-b4ad-f77d18845aca" ], "1821e9e6-0b3a-46fc-a464-cd6bc31abca5": [ "ea7e9058-ddd8-401b-b4ad-f77d18845aca" ], "fc061911-07dc-44fd-ac66-784e5c96d66f": [ "ea7e9058-ddd8-401b-b4ad-f77d18845aca" ], "67266fa2-5a2a-4baf-be6f-e8c80c7e3147": [ "2a7e34c5-b839-44ab-ba95-22e64f44421a" ], "5c7ffe56-8c84-4332-88ce-29747c76b9bb": [ "2a7e34c5-b839-44ab-ba95-22e64f44421a" ], "fb75abe3-2150-4054-b03c-45fd5efc7774": [ "2a7e34c5-b839-44ab-ba95-22e64f44421a" ], "f18c151c-aba4-4dec-95bb-ce8986aab6d7": [ "2a7e34c5-b839-44ab-ba95-22e64f44421a" ], "74cd1196-fb77-4294-8676-512c7cb96e34": [ "2a7e34c5-b839-44ab-ba95-22e64f44421a" ], "267087af-bc93-4594-a8d6-0b039850be18": [ "2a7e34c5-b839-44ab-ba95-22e64f44421a" ], "abf30c61-50fa-4fad-9841-1a9527b759b5": [ "2a7e34c5-b839-44ab-ba95-22e64f44421a" ], "d4e800e1-90f7-4134-bd8d-cb0fa6facaf7": [ "2a7e34c5-b839-44ab-ba95-22e64f44421a" ], "926a1c6c-97bd-4373-869b-e0878665743d": [ "2a7e34c5-b839-44ab-ba95-22e64f44421a" ], "b0f29bf1-7f3d-416d-82e9-4dc6480ad8a1": [ "2a7e34c5-b839-44ab-ba95-22e64f44421a" ], "81fc7766-1443-4ff3-b478-f277fa47a32a": [ "9e759236-1f7a-4297-aa53-1ee5358dfb89" ], "b0259e4b-2f6e-4941-a707-78b7245b3988": [ "9e759236-1f7a-4297-aa53-1ee5358dfb89" ], "4dce250f-bbf5-4804-a524-429afd524589": [ "9e759236-1f7a-4297-aa53-1ee5358dfb89" ], "7f48e900-cb80-4168-ac70-9d96db56fd42": [ "9e759236-1f7a-4297-aa53-1ee5358dfb89" ], "b783e56b-2e3a-4aac-8d77-496470b41367": [ "9e759236-1f7a-4297-aa53-1ee5358dfb89" ], "c3ac2571-5494-4412-a1cf-c659365a803d": [ "9e759236-1f7a-4297-aa53-1ee5358dfb89" ], "80ea2eef-5240-4d1f-b4fb-382629978a9d": [ "9e759236-1f7a-4297-aa53-1ee5358dfb89" ], "106b0435-0631-4dc1-8bdc-50e9c2dc1724": [ "9e759236-1f7a-4297-aa53-1ee5358dfb89" ], "06f7668a-62d2-40de-9fdb-60711b1f95eb": [ "9e759236-1f7a-4297-aa53-1ee5358dfb89" ], "1042e101-52d2-4f01-826d-f4c856e9f0e0": [ "9e759236-1f7a-4297-aa53-1ee5358dfb89" ], "7408786a-a713-46c6-99b7-df79a921e42c": [ "157432b0-1f9f-4b9b-9c75-874f469f114e" ], "245022bd-5dae-4f79-866e-94892d5c5a4c": [ "157432b0-1f9f-4b9b-9c75-874f469f114e" ], "018b0bb5-be21-439b-a43d-e7700b0850a9": [ "157432b0-1f9f-4b9b-9c75-874f469f114e" ], "80462186-2173-468f-9edb-257bc09b59f6": [ "157432b0-1f9f-4b9b-9c75-874f469f114e" ], "2f71bb6e-43d6-4c80-92a0-fe5b49791356": [ "157432b0-1f9f-4b9b-9c75-874f469f114e" ], "985815af-0121-4629-9a13-01d57bcf848c": [ "157432b0-1f9f-4b9b-9c75-874f469f114e" ], "f845672d-1e78-439a-a2b7-3acea452ba3f": [ "157432b0-1f9f-4b9b-9c75-874f469f114e" ], "55f52585-9d9b-4738-ae67-4a31cc2c2059": [ "157432b0-1f9f-4b9b-9c75-874f469f114e" ], "63086ef0-b657-4e2a-80bb-d22e97c9d9bf": [ "157432b0-1f9f-4b9b-9c75-874f469f114e" ], "803f0b91-565f-4f8b-bc3c-28d9f93fd4a7": [ "157432b0-1f9f-4b9b-9c75-874f469f114e" ], "cfed7eaf-d14c-497a-ba72-2ce9fcae9fa3": [ "851619a2-db80-45eb-9b49-3d39fa5ad7df" ], "08b171a0-7be7-44ac-b8aa-0d3bde345176": [ "851619a2-db80-45eb-9b49-3d39fa5ad7df" ], "577c065b-9a10-435e-a1e2-258b70925997": [ "851619a2-db80-45eb-9b49-3d39fa5ad7df" ], "d061e2da-517a-4ea3-bb21-fc2ad988ca18": [ "851619a2-db80-45eb-9b49-3d39fa5ad7df" ], "48cacf58-f0f9-4647-8b69-db41e03d2054": [ "851619a2-db80-45eb-9b49-3d39fa5ad7df" ], "33c7ffe3-b03c-4871-8ac3-64efca96f135": [ "851619a2-db80-45eb-9b49-3d39fa5ad7df" ], "34e521ec-6b8f-4466-bf56-7e8706d81c36": [ "851619a2-db80-45eb-9b49-3d39fa5ad7df" ], "7c2b65d8-f07e-4f66-9284-ad9d34b465b0": [ "851619a2-db80-45eb-9b49-3d39fa5ad7df" ], "b0ae4f5a-412d-4d65-880e-d80a5fc2600b": [ "851619a2-db80-45eb-9b49-3d39fa5ad7df" ], "9050a992-c2d8-470c-8351-21679e2080ba": [ "851619a2-db80-45eb-9b49-3d39fa5ad7df" ], "00a73e92-eced-4705-898d-577492b82683": [ "9a522935-deb2-4349-ad01-7f0ee2e90240" ], "016fef47-74bc-432b-95de-881f339e5434": [ "9a522935-deb2-4349-ad01-7f0ee2e90240" ], "1e28247b-442d-4844-a356-0d3307715ecb": [ "9a522935-deb2-4349-ad01-7f0ee2e90240" ], "20711ed9-d07d-410a-b048-ad53f4a8a21d": [ "9a522935-deb2-4349-ad01-7f0ee2e90240" ], "2a54ee1c-a684-43b3-8806-280d953191a2": [ "9a522935-deb2-4349-ad01-7f0ee2e90240" ], "4738bc78-552f-459d-be72-34a876e93e7d": [ "9a522935-deb2-4349-ad01-7f0ee2e90240" ], "2ac67783-8de2-43a1-9fee-499a53774791": [ "9a522935-deb2-4349-ad01-7f0ee2e90240" ], "eeffce10-1f9c-4085-babb-a20eb018c8e2": [ "9a522935-deb2-4349-ad01-7f0ee2e90240" ], "266e450e-c3c8-482e-82f8-557c5c229c31": [ "9a522935-deb2-4349-ad01-7f0ee2e90240" ], "5589413e-98a4-4d04-8add-b4dbd60f4d7a": [ "9a522935-deb2-4349-ad01-7f0ee2e90240" ], "2b5591c9-4b09-4031-be16-f73a9a330133": [ "c9491ab2-d6db-4049-bc1a-ea037cc6223f" ], "9fd8a74e-bc3e-4263-a455-470a3a8dc1d5": [ "c9491ab2-d6db-4049-bc1a-ea037cc6223f" ], "f8f10c0f-6a31-40f1-a3fd-e02726b8b1e6": [ "c9491ab2-d6db-4049-bc1a-ea037cc6223f" ], "a533eed3-98eb-461d-affd-cf2fbc4d1392": [ "c9491ab2-d6db-4049-bc1a-ea037cc6223f" ], "cf9663a6-eee9-4e08-8426-e624e3cdc8d4": [ "c9491ab2-d6db-4049-bc1a-ea037cc6223f" ], "846af2ca-de08-4a96-9b41-4c56467adf42": [ "c9491ab2-d6db-4049-bc1a-ea037cc6223f" ], "04c70123-694b-4000-b3d7-a4eead5e54d3": [ "c9491ab2-d6db-4049-bc1a-ea037cc6223f" ], "7dbd1a23-9212-48b5-be62-192da70a4ab8": [ "c9491ab2-d6db-4049-bc1a-ea037cc6223f" ], "27831ad8-ae2e-4f9d-9eea-e285f098081e": [ "c9491ab2-d6db-4049-bc1a-ea037cc6223f" ], "0f7fda9b-9337-45a7-9e3c-8436cdd6c2ff": [ "c9491ab2-d6db-4049-bc1a-ea037cc6223f" ], "b69350ce-70dc-4ded-939e-de13e37af786": [ "739b070f-574e-48ef-a71e-edaa9d0da658" ], "9dfa8da1-a916-4bd5-948b-7e882a3d45f4": [ "739b070f-574e-48ef-a71e-edaa9d0da658" ], "ddb396e9-062d-43ed-a3e0-7b9230db718e": [ "739b070f-574e-48ef-a71e-edaa9d0da658" ], "cf5a0f13-7a26-47fd-a784-4f8ae76a0f99": [ "739b070f-574e-48ef-a71e-edaa9d0da658" ], "04479677-5dd6-4e56-8df3-b776aca6ec65": [ "739b070f-574e-48ef-a71e-edaa9d0da658" ], "e443af9b-5964-4633-b617-a118db6dab47": [ "739b070f-574e-48ef-a71e-edaa9d0da658" ], "a438d3ad-31d8-4cd8-b85e-7af814d30998": [ "739b070f-574e-48ef-a71e-edaa9d0da658" ], "50c754ab-76d1-4626-9c48-35c85b9b4c0a": [ "739b070f-574e-48ef-a71e-edaa9d0da658" ], "3c3f6df8-0309-4d3c-8c86-63427e7bfeaa": [ "739b070f-574e-48ef-a71e-edaa9d0da658" ], "3111a479-bc3a-468d-bb6e-8c1a1c402b96": [ "739b070f-574e-48ef-a71e-edaa9d0da658" ], "c2d3cb2b-3339-43b4-b6b6-a1dcbd183c59": [ "a4369809-617f-4cc9-9b83-00ea3615b613" ], "f0a10924-7f6f-4516-8741-ba9383af4d15": [ "a4369809-617f-4cc9-9b83-00ea3615b613" ], "3cb2808f-2ce0-4703-94c1-f1c50f039e45": [ "a4369809-617f-4cc9-9b83-00ea3615b613" ], "41d73462-c290-4af7-a77f-507685989af5": [ "a4369809-617f-4cc9-9b83-00ea3615b613" ], "5a5cee10-3efc-4396-a9ec-5ba46de16f50": [ "a4369809-617f-4cc9-9b83-00ea3615b613" ], "f07f521e-4319-4995-b6c8-5de9557a7ace": [ "a4369809-617f-4cc9-9b83-00ea3615b613" ], "81933676-9268-43e3-8193-7d62722d8196": [ "a4369809-617f-4cc9-9b83-00ea3615b613" ], "0536127b-9caa-40c7-9c71-7b566df32a6a": [ "a4369809-617f-4cc9-9b83-00ea3615b613" ], "40a40eb6-3049-49a1-8a30-f33411bcf477": [ "a4369809-617f-4cc9-9b83-00ea3615b613" ], "dedba7d4-6526-4ab3-96e0-dff1a1249a76": [ "a4369809-617f-4cc9-9b83-00ea3615b613" ], "bbf3557e-e063-4e8d-8c3c-aa39397d7296": [ "d81ec031-a7b5-4daf-bc9c-98a5af2d0ee0" ], "6e6905d4-ba2a-4db9-9502-6be8a8167bdc": [ "d81ec031-a7b5-4daf-bc9c-98a5af2d0ee0" ], "e83ca466-93d8-43f1-931b-478254bd51b3": [ "d81ec031-a7b5-4daf-bc9c-98a5af2d0ee0" ], "ba9008a3-e0ed-450f-a8ac-2b19ac8bccbd": [ "d81ec031-a7b5-4daf-bc9c-98a5af2d0ee0" ], "09d26e5f-8699-4ef0-8375-cb7e8ed6c7b8": [ "d81ec031-a7b5-4daf-bc9c-98a5af2d0ee0" ], "553c6380-4364-49c0-8bb9-b43966c978d2": [ "d81ec031-a7b5-4daf-bc9c-98a5af2d0ee0" ], "ef7531f8-24b1-4993-aed2-31b539199119": [ "d81ec031-a7b5-4daf-bc9c-98a5af2d0ee0" ], "483e04f9-ff7c-4acf-9ff9-f80e9b8f9b26": [ "d81ec031-a7b5-4daf-bc9c-98a5af2d0ee0" ], "e6e3c7cf-6f11-483c-9546-6f413c3d569a": [ "d81ec031-a7b5-4daf-bc9c-98a5af2d0ee0" ], "88bc7849-6808-44ff-b348-30997b7d0e22": [ "d81ec031-a7b5-4daf-bc9c-98a5af2d0ee0" ], "ef255938-e844-4613-af78-1d507e35cd37": [ "9493d310-7771-48b0-9063-ce2355271b17" ], "4c809785-5cc3-464f-948c-fc4e540124a7": [ "9493d310-7771-48b0-9063-ce2355271b17" ], "1d40bc45-96bd-4439-b895-24538856605b": [ "9493d310-7771-48b0-9063-ce2355271b17" ], "4b8c173b-9d5f-4b05-965d-767b09b57c28": [ "9493d310-7771-48b0-9063-ce2355271b17" ], "abcdcc43-2a1b-4ae2-84ed-738d017bcb67": [ "9493d310-7771-48b0-9063-ce2355271b17" ], "7f12aaf4-01c4-4f9a-a549-c3153547ae3a": [ "9493d310-7771-48b0-9063-ce2355271b17" ], "e8b3cd98-4112-4131-a8e1-d785e5c7d859": [ "9493d310-7771-48b0-9063-ce2355271b17" ], "304cf421-1415-4859-b8e0-9b383157dd22": [ "9493d310-7771-48b0-9063-ce2355271b17" ], "84cc6f36-e50b-44ef-98c3-f887889c1da9": [ "9493d310-7771-48b0-9063-ce2355271b17" ], "ab0ceece-daef-4070-9de2-186fa4f885e9": [ "9493d310-7771-48b0-9063-ce2355271b17" ], "dc850684-b38a-45fa-8c0b-e2ec0d96e85e": [ "4d0eb33d-bb40-42c2-b5aa-33137bfe5f99" ], "8376c154-88ce-408b-90c1-379114f22979": [ "4d0eb33d-bb40-42c2-b5aa-33137bfe5f99" ], "ce7b669e-3b52-41b9-8b4e-50a4f9eee4a0": [ "4d0eb33d-bb40-42c2-b5aa-33137bfe5f99" ], "42948d8e-88ef-4ef9-bdf0-ac77f8d3234f": [ "4d0eb33d-bb40-42c2-b5aa-33137bfe5f99" ], "a9598bf1-512c-40c8-8bec-726e0234af35": [ "4d0eb33d-bb40-42c2-b5aa-33137bfe5f99" ], "1fac588c-c77c-480f-a171-48fc7010034b": [ "4d0eb33d-bb40-42c2-b5aa-33137bfe5f99" ], "633eb733-ebc3-4131-bd26-2b4e91db6569": [ "4d0eb33d-bb40-42c2-b5aa-33137bfe5f99" ], "e5838582-7716-4193-8d0c-bbece740dd6d": [ "4d0eb33d-bb40-42c2-b5aa-33137bfe5f99" ], "4d5b6718-a5a7-4f7e-8899-ecc1ac689eb8": [ "4d0eb33d-bb40-42c2-b5aa-33137bfe5f99" ], "69bda04e-d94f-420c-90e0-40b78fccd7af": [ "4d0eb33d-bb40-42c2-b5aa-33137bfe5f99" ], "49e4120d-d26c-46e5-ae23-7120198be5d6": [ "bb6f8daf-c859-457e-89e8-c2d9080cf1dd" ], "733b7550-8779-4405-b059-08da16e870c2": [ "bb6f8daf-c859-457e-89e8-c2d9080cf1dd" ], "3dd6da4c-761e-4f20-88df-97cd680e6e8b": [ "bb6f8daf-c859-457e-89e8-c2d9080cf1dd" ], "1285ab39-6f31-4394-8c15-9f607426ee8c": [ "bb6f8daf-c859-457e-89e8-c2d9080cf1dd" ], "566bc1d4-f4a7-4c95-8ecd-8f74418549f5": [ "bb6f8daf-c859-457e-89e8-c2d9080cf1dd" ], "de137416-4d27-4409-bce8-bbea571bc5f7": [ "bb6f8daf-c859-457e-89e8-c2d9080cf1dd" ], "29f2ef03-8483-44da-8245-9dc16f336add": [ "bb6f8daf-c859-457e-89e8-c2d9080cf1dd" ], "c437d196-1da7-4843-a77d-ea2251ad75a2": [ "bb6f8daf-c859-457e-89e8-c2d9080cf1dd" ], "6053e008-89bd-459a-82d3-1c4bb2e0a48d": [ "bb6f8daf-c859-457e-89e8-c2d9080cf1dd" ], "17c29000-6d4b-4c7a-838d-57e98ecc8d2a": [ "bb6f8daf-c859-457e-89e8-c2d9080cf1dd" ], "45c481d5-4c7d-4131-bb18-7b68dc9b2c1f": [ "77e48d6d-254d-4811-b257-84c496448de0" ], "1cfef644-81b4-4e78-bb19-f92e359c0325": [ "77e48d6d-254d-4811-b257-84c496448de0" ], "8ef9a3d3-8e63-4fad-80ae-cf3eb05aebb1": [ "77e48d6d-254d-4811-b257-84c496448de0" ], "73cd4288-2711-4657-bac8-5808ef9217ab": [ "77e48d6d-254d-4811-b257-84c496448de0" ], "a524ade9-cc1a-4cd3-b5e1-16017b12e2a3": [ "77e48d6d-254d-4811-b257-84c496448de0" ], "49612e7d-575c-4e9a-910c-75b3c9c1aa10": [ "77e48d6d-254d-4811-b257-84c496448de0" ], "998a81ae-4ddb-41de-9c74-56d24b7bcfdd": [ "77e48d6d-254d-4811-b257-84c496448de0" ], "093d386a-30bf-4fc9-8e9f-2c40207f0c59": [ "77e48d6d-254d-4811-b257-84c496448de0" ], "2c087277-bd0c-467f-aaf4-61ad6140cc3a": [ "77e48d6d-254d-4811-b257-84c496448de0" ], "766f8dc9-d002-4913-9872-860e5ae733c5": [ "77e48d6d-254d-4811-b257-84c496448de0" ], "2be4c471-d915-4212-bd17-76f0419818d0": [ "63b17339-552c-4715-9f5f-fa3331d248a2" ], "47f1ce9d-8269-4f9c-ad16-5e22d6cbfde2": [ "63b17339-552c-4715-9f5f-fa3331d248a2" ], "450f0724-a24c-419f-87e7-0061ef495257": [ "63b17339-552c-4715-9f5f-fa3331d248a2" ], "0e64325c-1c50-492b-89c6-92ad9be6fea1": [ "63b17339-552c-4715-9f5f-fa3331d248a2" ], "f6880a64-9c06-4e51-b391-714f234222a4": [ "63b17339-552c-4715-9f5f-fa3331d248a2" ], "d6a32c75-a57c-4c56-9139-da2471cdc0b7": [ "63b17339-552c-4715-9f5f-fa3331d248a2" ], "98c8ee54-9b48-45ef-a73f-526636426986": [ "63b17339-552c-4715-9f5f-fa3331d248a2" ], "2d6ebabb-a7c1-4bd6-9f25-490d6002a43c": [ "63b17339-552c-4715-9f5f-fa3331d248a2" ], "3f0a5328-0c09-40c2-98d7-4859c4e58aeb": [ "63b17339-552c-4715-9f5f-fa3331d248a2" ], "b30b9e7a-6883-4787-9102-509c127b4b94": [ "63b17339-552c-4715-9f5f-fa3331d248a2" ], "23eec4f1-8696-44dd-96bc-b69e57b79f61": [ "499bc1f4-4fed-4766-8753-66417f1999e5" ], "393d5bb7-6454-43c2-b9c4-d2f9bcb733b1": [ "499bc1f4-4fed-4766-8753-66417f1999e5" ], "d7357faa-6997-44d7-9635-4d09e0cc4d57": [ "499bc1f4-4fed-4766-8753-66417f1999e5" ], "cef80cd1-05c5-47c3-a54b-fbc0eb23e2b9": [ "499bc1f4-4fed-4766-8753-66417f1999e5" ], "f99ec2e1-3d28-423c-8a86-61e4ca94d625": [ "499bc1f4-4fed-4766-8753-66417f1999e5" ], "bf2f38ab-2403-4492-8925-b968e28ba88d": [ "499bc1f4-4fed-4766-8753-66417f1999e5" ], "966824a6-caa6-464b-a476-69ce984fd132": [ "499bc1f4-4fed-4766-8753-66417f1999e5" ], "1fb3d18a-fdb9-4cc7-baa5-37d446f1f7a2": [ "499bc1f4-4fed-4766-8753-66417f1999e5" ], "1fcca0c2-ecb9-412a-ae8d-9d3e7e80d0af": [ "499bc1f4-4fed-4766-8753-66417f1999e5" ], "91c12c2c-68fd-4a59-92a4-ab5e831b2459": [ "499bc1f4-4fed-4766-8753-66417f1999e5" ], "0ac73b33-7c37-406b-9b33-79f88e138d35": [ "f3820917-a168-480a-aee6-e28717642fa7" ], "415db830-8ba4-4e78-bb77-a13dd8bdda58": [ "f3820917-a168-480a-aee6-e28717642fa7" ], "54eb9236-909a-4eac-8738-bd13a5c64c7c": [ "f3820917-a168-480a-aee6-e28717642fa7" ], "569aa5d2-4b42-496b-8d88-dc39cb71c8dc": [ "f3820917-a168-480a-aee6-e28717642fa7" ], "d14dc2ff-ca1c-44f8-b884-b98add03cf8b": [ "f3820917-a168-480a-aee6-e28717642fa7" ], "6ffa396d-4f10-4e32-a44b-08ed1516fe40": [ "f3820917-a168-480a-aee6-e28717642fa7" ], "54d094da-3f89-4dfb-b7e1-251294815b3f": [ "f3820917-a168-480a-aee6-e28717642fa7" ], "63dff1ff-0edf-4d5a-af31-3ba0f0126c00": [ "f3820917-a168-480a-aee6-e28717642fa7" ], "6bf0b2d7-ff5d-4482-94ba-69127fa5fcae": [ "f3820917-a168-480a-aee6-e28717642fa7" ], "a733dbb8-37fb-44b1-a1a4-2d3e395ed73e": [ "f3820917-a168-480a-aee6-e28717642fa7" ], "7bbdfb9b-19e6-4925-9132-80a9f78a5e9b": [ "287a4a88-f348-458e-b6eb-e49e15b2ec29" ], "0e1693db-e9e3-4758-bb35-7c962b0793b7": [ "287a4a88-f348-458e-b6eb-e49e15b2ec29" ], "3717cdc8-26c1-4d9e-833e-5415a3f59381": [ "287a4a88-f348-458e-b6eb-e49e15b2ec29" ], "6dbe5311-14fd-4987-a20f-7bbd45717a54": [ "287a4a88-f348-458e-b6eb-e49e15b2ec29" ], "c84b6df7-d75b-4ea6-8098-7e25f5921528": [ "287a4a88-f348-458e-b6eb-e49e15b2ec29" ], "c1681680-acbd-4ebd-8416-96821e6a00ce": [ "287a4a88-f348-458e-b6eb-e49e15b2ec29" ], "37de7aef-3d23-4e16-b134-4654e5dc5b5c": [ "287a4a88-f348-458e-b6eb-e49e15b2ec29" ], "ea121977-ef86-48e5-8ae8-674e7214b3d4": [ "287a4a88-f348-458e-b6eb-e49e15b2ec29" ], "39fa2405-2883-47e5-8881-32bc9a1c95fe": [ "287a4a88-f348-458e-b6eb-e49e15b2ec29" ], "7d270c1c-4abe-4fe4-ab48-63c8395d7f7d": [ "287a4a88-f348-458e-b6eb-e49e15b2ec29" ], "fa59b8a4-a6db-4c85-9326-b559ea97cf4e": [ "79821bcd-3db9-4b28-8b84-5e129dd3800a" ], "e313fc0d-11ff-491c-8c99-4f005c26df89": [ "79821bcd-3db9-4b28-8b84-5e129dd3800a" ], "157e3d70-6407-4e5f-8380-24fd5a883d14": [ "79821bcd-3db9-4b28-8b84-5e129dd3800a" ], "75a3005c-19b7-4e39-a601-4afca9a5f634": [ "79821bcd-3db9-4b28-8b84-5e129dd3800a" ], "e662329e-be9e-4aab-bc09-a34bc4241836": [ "79821bcd-3db9-4b28-8b84-5e129dd3800a" ], "d325ad31-bb01-4211-a73c-53487339f2af": [ "79821bcd-3db9-4b28-8b84-5e129dd3800a" ], "ccd3075f-375a-4325-8f4a-cdb17e507d11": [ "79821bcd-3db9-4b28-8b84-5e129dd3800a" ], "9e9ba936-c84d-45fb-974e-82d482b9cc4d": [ "79821bcd-3db9-4b28-8b84-5e129dd3800a" ], "8252bfc0-af57-406d-b5ce-54ac7f319479": [ "79821bcd-3db9-4b28-8b84-5e129dd3800a" ], "121db155-7757-4de5-b991-904f2a430168": [ "79821bcd-3db9-4b28-8b84-5e129dd3800a" ], "21a3b1d6-f0d4-445d-99ac-b04922c299ec": [ "fcd76de5-29d0-41ef-b9cb-7b9c6a008003" ], "50a385df-ae74-4635-bc99-87fdd8a682e0": [ "fcd76de5-29d0-41ef-b9cb-7b9c6a008003" ], "c6149a00-c76f-47b9-95c6-b3dba981f0f1": [ "fcd76de5-29d0-41ef-b9cb-7b9c6a008003" ], "45147376-ffed-4a77-b1b5-9a31213c3a91": [ "fcd76de5-29d0-41ef-b9cb-7b9c6a008003" ], "803e4877-c1fa-49de-8dbd-6170d66fbc30": [ "fcd76de5-29d0-41ef-b9cb-7b9c6a008003" ], "3edd6d5e-64ec-4d37-9fed-7f0b309cf8d3": [ "fcd76de5-29d0-41ef-b9cb-7b9c6a008003" ], "99ecd48c-65bd-4982-ba08-c3ccb445b1ef": [ "fcd76de5-29d0-41ef-b9cb-7b9c6a008003" ], "6b4026a3-a395-408c-b4bc-c56e894a144b": [ "fcd76de5-29d0-41ef-b9cb-7b9c6a008003" ], "aa272555-416e-4bff-a867-78bcf972c90e": [ "fcd76de5-29d0-41ef-b9cb-7b9c6a008003" ], "4dfb008e-489f-4243-b99a-210add3a47c9": [ "fcd76de5-29d0-41ef-b9cb-7b9c6a008003" ], "4145be29-dea7-4a2b-b2de-f4eb58555542": [ "13202eaa-1957-4f6e-9ab7-a1270a31e8e9" ], "acf211b8-2ff7-423d-8945-8dafc7410145": [ "13202eaa-1957-4f6e-9ab7-a1270a31e8e9" ], "75583668-3a43-4349-b264-0b6d487a87d5": [ "13202eaa-1957-4f6e-9ab7-a1270a31e8e9" ], "175e558a-010f-4e40-8ad4-20ac8b297bde": [ "13202eaa-1957-4f6e-9ab7-a1270a31e8e9" ], "afd5384d-0d7a-45c6-91d6-710fff58a885": [ "13202eaa-1957-4f6e-9ab7-a1270a31e8e9" ], "1ca7af1d-c54a-4c48-bb84-1dca0243a09e": [ "13202eaa-1957-4f6e-9ab7-a1270a31e8e9" ], "bb42ccaa-78df-4d14-8960-2f17450399da": [ "13202eaa-1957-4f6e-9ab7-a1270a31e8e9" ], "2524e751-887c-43dd-8249-a89944334bdb": [ "13202eaa-1957-4f6e-9ab7-a1270a31e8e9" ], "8417b367-01d3-43fc-9760-aca64359d838": [ "13202eaa-1957-4f6e-9ab7-a1270a31e8e9" ], "7506809d-fbd7-4f01-8d06-a5d56e01d017": [ "13202eaa-1957-4f6e-9ab7-a1270a31e8e9" ], "ea15f4e2-31f1-49f6-b2b3-3a29bc4be280": [ "73da88a0-29f9-46f1-ac01-f42372b894ca" ], "4d43e2a4-efc1-4bd8-b247-27b7fbace94d": [ "73da88a0-29f9-46f1-ac01-f42372b894ca" ], "bf247cd0-084b-4043-80e2-d2f7c025c620": [ "73da88a0-29f9-46f1-ac01-f42372b894ca" ], "8a05bd46-5188-4e66-bd81-164f0b5217fe": [ "73da88a0-29f9-46f1-ac01-f42372b894ca" ], "7d424250-d58e-4c7a-b9ab-c6212ac6dff7": [ "73da88a0-29f9-46f1-ac01-f42372b894ca" ], "4d5342b3-be23-4aee-adcb-a7539bc715b3": [ "73da88a0-29f9-46f1-ac01-f42372b894ca" ], "c25bd383-a91d-45f5-a80f-33ee2d3b05e7": [ "73da88a0-29f9-46f1-ac01-f42372b894ca" ], "7855e73b-a336-4e45-b76f-aeb94263454a": [ "73da88a0-29f9-46f1-ac01-f42372b894ca" ], "0954234d-f047-4e48-a91b-e0180ad0ab3e": [ "73da88a0-29f9-46f1-ac01-f42372b894ca" ], "78782a98-4ad3-4784-bf43-45a9affd8a98": [ "73da88a0-29f9-46f1-ac01-f42372b894ca" ], "5c221c75-9226-43fc-92cf-1532e292a22a": [ "91dffbe1-a644-4bb3-84c6-8482859ccd3e" ], "8221ecf3-c069-42f5-8d16-146f0b16dc28": [ "91dffbe1-a644-4bb3-84c6-8482859ccd3e" ], "bfb805ee-f8b0-43ec-95eb-f6cdfb94c5f1": [ "91dffbe1-a644-4bb3-84c6-8482859ccd3e" ], "dfd7b36c-2afe-424a-b82e-e63a2dde0a96": [ "91dffbe1-a644-4bb3-84c6-8482859ccd3e" ], "aeb2aa84-749c-40b1-b107-f5cce0057e8d": [ "91dffbe1-a644-4bb3-84c6-8482859ccd3e" ], "fae5aa97-e383-4d79-b94e-f44bb1bf7c3b": [ "91dffbe1-a644-4bb3-84c6-8482859ccd3e" ], "58e666cb-8ab5-40b2-a742-e76974917731": [ "91dffbe1-a644-4bb3-84c6-8482859ccd3e" ], "b593a903-899c-4750-990a-9361b86a7fe3": [ "91dffbe1-a644-4bb3-84c6-8482859ccd3e" ], "4e01de99-6131-4f50-8f6b-204e8828a0c3": [ "91dffbe1-a644-4bb3-84c6-8482859ccd3e" ], "e573f0ea-ce2f-47dc-b9c9-208ca6fb27b1": [ "91dffbe1-a644-4bb3-84c6-8482859ccd3e" ], "287d39b7-e7ab-446c-9994-55c3a365addc": [ "0d8ff94d-fc5f-4bb9-a5ca-f732fef69dd4" ], "b281cfd7-81ba-49e1-8fc5-c9e7d6776b54": [ "0d8ff94d-fc5f-4bb9-a5ca-f732fef69dd4" ], "764bed88-2559-4546-8fa8-358298344cf7": [ "0d8ff94d-fc5f-4bb9-a5ca-f732fef69dd4" ], "3d5697c1-d03d-4699-9163-61fab8240541": [ "0d8ff94d-fc5f-4bb9-a5ca-f732fef69dd4" ], "cd70d249-f359-4481-ad59-ccfd2901ce9c": [ "0d8ff94d-fc5f-4bb9-a5ca-f732fef69dd4" ], "bf24a351-a1ab-4f40-b499-b48cb94e3a11": [ "0d8ff94d-fc5f-4bb9-a5ca-f732fef69dd4" ], "2dea47dd-5110-472a-b75c-88cc972c593a": [ "0d8ff94d-fc5f-4bb9-a5ca-f732fef69dd4" ], "7ca83e12-0db3-400a-81d4-017946e08674": [ "0d8ff94d-fc5f-4bb9-a5ca-f732fef69dd4" ], "81a47ec8-aa58-408a-a123-d2d1830b20c1": [ "0d8ff94d-fc5f-4bb9-a5ca-f732fef69dd4" ], "bf86f154-05de-4855-9922-397da31aa064": [ "0d8ff94d-fc5f-4bb9-a5ca-f732fef69dd4" ], "f1d1033b-1752-49b7-a6f8-6095ea9879cd": [ "daa9dc50-1d56-43ad-8c12-19de9b107138" ], "03579021-2e4d-4f05-a40e-fb87e88e7b86": [ "daa9dc50-1d56-43ad-8c12-19de9b107138" ], "16b4bf42-c096-4748-87a7-73360392af7f": [ "daa9dc50-1d56-43ad-8c12-19de9b107138" ], "8b4602d7-7041-4955-b5d3-9f314f0aa560": [ "daa9dc50-1d56-43ad-8c12-19de9b107138" ], "c3aa38aa-d4a4-4bc8-9e1f-2c8d9cda64dd": [ "daa9dc50-1d56-43ad-8c12-19de9b107138" ], "1f56aa2c-22c1-4554-a095-5f70d6bf4ffd": [ "daa9dc50-1d56-43ad-8c12-19de9b107138" ], "5dffc8f9-572b-4550-aab3-f8d6b26c1b7c": [ "daa9dc50-1d56-43ad-8c12-19de9b107138" ], "f75c0e25-0070-41c6-9b91-3677b580a88c": [ "daa9dc50-1d56-43ad-8c12-19de9b107138" ], "0fbca8ac-b942-4758-aff2-da8ce71df5e9": [ "daa9dc50-1d56-43ad-8c12-19de9b107138" ], "7255aefa-4274-4b89-a52a-439bf334c9cc": [ "daa9dc50-1d56-43ad-8c12-19de9b107138" ], "fe06de6d-adcd-4a74-a9ec-8a87725cb6f3": [ "505b33ff-c66d-4f7e-b76d-a0fcd90a603f" ], "0d1bae0a-a6aa-4172-8749-d5f98f315b21": [ "505b33ff-c66d-4f7e-b76d-a0fcd90a603f" ], "011cef8c-5f3d-4803-a05e-11611318f67a": [ "505b33ff-c66d-4f7e-b76d-a0fcd90a603f" ], "a86bb4f5-8a52-4d5c-8d54-7d112f9fe0b0": [ "505b33ff-c66d-4f7e-b76d-a0fcd90a603f" ], "d0a68938-c38e-48a7-ba19-c5295ed24c61": [ "505b33ff-c66d-4f7e-b76d-a0fcd90a603f" ], "c5c75c15-d75b-4af7-8ded-0bea1da10e8a": [ "505b33ff-c66d-4f7e-b76d-a0fcd90a603f" ], "dc7f2ebb-29ac-4ada-a704-01607c6c099f": [ "505b33ff-c66d-4f7e-b76d-a0fcd90a603f" ], "07517c0b-d70e-4a83-a4d2-d7021c40f94a": [ "505b33ff-c66d-4f7e-b76d-a0fcd90a603f" ], "4a562ee8-14a1-44ab-8f0b-463b5f3584d1": [ "505b33ff-c66d-4f7e-b76d-a0fcd90a603f" ], "60a1e7a7-ebc0-4ad6-93d6-5c8358497fa9": [ "505b33ff-c66d-4f7e-b76d-a0fcd90a603f" ], "71fa8911-de3d-48c9-84f6-290821b7d1ae": [ "fa127bff-93fe-4c43-8a6f-ffdae0b29a0b" ], "bc83cd3d-2975-402f-a12a-02cee4c36d2f": [ "fa127bff-93fe-4c43-8a6f-ffdae0b29a0b" ], "b06303e6-0938-40c3-80ea-321395453368": [ "fa127bff-93fe-4c43-8a6f-ffdae0b29a0b" ], "70c831c1-9596-4ce3-ad96-ca00a116ca56": [ "fa127bff-93fe-4c43-8a6f-ffdae0b29a0b" ], "a119e384-a992-4390-a635-476bdedf49e0": [ "fa127bff-93fe-4c43-8a6f-ffdae0b29a0b" ], "9ff52c8b-ab39-4e4c-9a1f-24a5dd579987": [ "fa127bff-93fe-4c43-8a6f-ffdae0b29a0b" ], "2ff635dd-2433-43ff-a424-41b44614ca1b": [ "fa127bff-93fe-4c43-8a6f-ffdae0b29a0b" ], "673dbe00-ae9e-4157-89ee-89cbd0d6a0f8": [ "fa127bff-93fe-4c43-8a6f-ffdae0b29a0b" ], "41468602-ae63-4445-bc9b-4ebb05cef5ef": [ "fa127bff-93fe-4c43-8a6f-ffdae0b29a0b" ], "b5991a1b-4c71-435a-b9eb-dd56e367166f": [ "fa127bff-93fe-4c43-8a6f-ffdae0b29a0b" ], "3e0b317c-3cd1-475f-8555-3849136d7b11": [ "45ff7a85-cd4d-4793-b811-2b99d23172b4" ], "4f36a22a-13b3-4f0e-b547-674fbfa663f4": [ "45ff7a85-cd4d-4793-b811-2b99d23172b4" ], "b8ed0e6c-12c5-4643-b32a-7101f30b958c": [ "45ff7a85-cd4d-4793-b811-2b99d23172b4" ], "a41c28d5-e414-46ef-9456-643e0caf7c32": [ "45ff7a85-cd4d-4793-b811-2b99d23172b4" ], "a93c5135-66fd-4dc7-994b-93d0daab139d": [ "45ff7a85-cd4d-4793-b811-2b99d23172b4" ], "9b1dba19-765f-44a5-8d9a-6a9f96f131c6": [ "45ff7a85-cd4d-4793-b811-2b99d23172b4" ], "fc665167-4092-4b4b-9a42-6b3edf35efae": [ "45ff7a85-cd4d-4793-b811-2b99d23172b4" ], "7549d435-961a-42ed-b0ec-e8041d258a13": [ "45ff7a85-cd4d-4793-b811-2b99d23172b4" ], "7327db55-d086-4ac0-9c08-cf01496378dd": [ "45ff7a85-cd4d-4793-b811-2b99d23172b4" ], "820f8702-7845-4883-b184-26d0243259df": [ "45ff7a85-cd4d-4793-b811-2b99d23172b4" ], "acb72afa-c4a0-47fc-b683-aab4371f19be": [ "0a4232a6-6df3-4176-9386-20673fedc7de" ], "222e9b0c-aa90-46d2-8483-c5073dd86455": [ "0a4232a6-6df3-4176-9386-20673fedc7de" ], "f98c3666-4295-4e3e-b557-295c2067e087": [ "0a4232a6-6df3-4176-9386-20673fedc7de" ], "4a945765-88f1-4ef7-ad27-10331b800a22": [ "0a4232a6-6df3-4176-9386-20673fedc7de" ], "6a40e5b1-7a50-44d4-b790-76634a720bf4": [ "0a4232a6-6df3-4176-9386-20673fedc7de" ], "23b02c42-41cd-4b56-bf8f-dc7bd6037a22": [ "0a4232a6-6df3-4176-9386-20673fedc7de" ], "5cfcd248-b129-47a6-bd4d-06a945e96a9c": [ "0a4232a6-6df3-4176-9386-20673fedc7de" ], "a722c961-21b0-4ec3-9c35-bdea6842383c": [ "0a4232a6-6df3-4176-9386-20673fedc7de" ], "de50a629-beff-478f-9165-0b2a0ae0a84c": [ "0a4232a6-6df3-4176-9386-20673fedc7de" ], "345179b8-c8ff-4306-844e-9877e4f0ff41": [ "0a4232a6-6df3-4176-9386-20673fedc7de" ], "7eb348f2-eaea-491d-9ae1-b340cfe849dc": [ "254fea29-004f-408b-a3f5-5faf24e2b273" ], "b2d02b64-5351-4c98-be2e-068f9ce905a3": [ "254fea29-004f-408b-a3f5-5faf24e2b273" ], "6dd23e15-affe-4c4a-9398-b3001d57dc6e": [ "254fea29-004f-408b-a3f5-5faf24e2b273" ], "7f904481-b8ab-4066-b1e6-1c0cb0121ec4": [ "254fea29-004f-408b-a3f5-5faf24e2b273" ], "0a9319cd-b5b7-4432-ac5e-4d61e1b1bba9": [ "254fea29-004f-408b-a3f5-5faf24e2b273" ], "06fd9af9-616c-48ab-8965-4e52eaf11607": [ "254fea29-004f-408b-a3f5-5faf24e2b273" ], "7a26c1a5-e0d2-4f07-bb0f-8a4d2136bc86": [ "254fea29-004f-408b-a3f5-5faf24e2b273" ], "70a06308-3c8c-499e-b366-c4bf30943563": [ "254fea29-004f-408b-a3f5-5faf24e2b273" ], "d712cc63-2231-4d0e-82b5-a2765fe9e47b": [ "254fea29-004f-408b-a3f5-5faf24e2b273" ], "2993a096-5f11-457e-a8cf-8e69a1a3bd6b": [ "254fea29-004f-408b-a3f5-5faf24e2b273" ], "daade631-94c3-4589-bb6d-eb4169246fff": [ "8b97c875-be3f-4bb6-9ed0-e9b3623df7a9" ], "8ee135a7-6066-4d7b-a8fc-f4d585ef6816": [ "8b97c875-be3f-4bb6-9ed0-e9b3623df7a9" ], "8f0d8b7f-8fd2-4735-9d56-6cd742564c11": [ "8b97c875-be3f-4bb6-9ed0-e9b3623df7a9" ], "0eace3ab-f080-48f7-aba1-b25979972746": [ "8b97c875-be3f-4bb6-9ed0-e9b3623df7a9" ], "f9fe953c-1367-402f-bea1-499be93fd01c": [ "8b97c875-be3f-4bb6-9ed0-e9b3623df7a9" ], "3ab4021c-25d8-47a2-b582-9b74cf074313": [ "8b97c875-be3f-4bb6-9ed0-e9b3623df7a9" ], "fbb24620-a992-40c7-99d7-db43548f4957": [ "8b97c875-be3f-4bb6-9ed0-e9b3623df7a9" ], "27b8af53-37f1-464b-9392-a3f7cfff9a78": [ "8b97c875-be3f-4bb6-9ed0-e9b3623df7a9" ], "d13ecfbf-04fa-419f-80d7-8452d131dc4b": [ "8b97c875-be3f-4bb6-9ed0-e9b3623df7a9" ], "af2d8ea6-1df1-4c34-b910-836aec5a60cc": [ "8b97c875-be3f-4bb6-9ed0-e9b3623df7a9" ], "257f1752-d5dc-432e-bed9-768dfefaad5b": [ "54bc0a4e-82e9-48a1-9837-e24573c30612" ], "96e46954-569f-47dd-9af3-9f2d701084c9": [ "54bc0a4e-82e9-48a1-9837-e24573c30612" ], "90c6a4d0-20aa-440d-b0cc-1b5008f7ae76": [ "54bc0a4e-82e9-48a1-9837-e24573c30612" ], "86766e8e-3a6d-4dc2-98b2-d8f35bc6f265": [ "54bc0a4e-82e9-48a1-9837-e24573c30612" ], "95e5fcea-140d-444a-b506-2f0aef14de5c": [ "54bc0a4e-82e9-48a1-9837-e24573c30612" ], "26e457e0-f4ba-47ed-b1bd-6ca448a38957": [ "54bc0a4e-82e9-48a1-9837-e24573c30612" ], "05ba7f56-dd6f-4503-9a75-80909bc0ecdf": [ "54bc0a4e-82e9-48a1-9837-e24573c30612" ], "b064ed17-03a6-47fa-859b-1cb74497e40a": [ "54bc0a4e-82e9-48a1-9837-e24573c30612" ], "45121363-10f5-4a7e-8b26-ed843b7ec632": [ "54bc0a4e-82e9-48a1-9837-e24573c30612" ], "972cc7af-2d4d-4668-851c-2f894eb6928c": [ "54bc0a4e-82e9-48a1-9837-e24573c30612" ], "27136ae2-b58d-4894-a1bc-75b8cbcbcab9": [ "623c6c48-6129-4a11-a769-a690b61f9093" ], "d6593266-7763-4d08-b4f0-f1f63a956488": [ "623c6c48-6129-4a11-a769-a690b61f9093" ], "31952029-0587-4a90-8220-536b21c53e62": [ "623c6c48-6129-4a11-a769-a690b61f9093" ], "ae4db84d-882b-431e-be10-4d4f16f8f5b0": [ "623c6c48-6129-4a11-a769-a690b61f9093" ], "d2a58d39-b020-434f-9b7a-c81cadb6c69d": [ "623c6c48-6129-4a11-a769-a690b61f9093" ], "a0a04f9e-d79b-4cb2-9949-10a0ac1f011c": [ "623c6c48-6129-4a11-a769-a690b61f9093" ], "6d1c5425-19d3-4fbc-abaa-07f5d114515f": [ "623c6c48-6129-4a11-a769-a690b61f9093" ], "926f5c6d-81d7-4f3b-bee1-8ec74047988a": [ "623c6c48-6129-4a11-a769-a690b61f9093" ], "e1af1048-791a-45e1-a84d-356dbabc532b": [ "623c6c48-6129-4a11-a769-a690b61f9093" ], "5357c986-ed3a-4cdf-92f2-2006056ed345": [ "623c6c48-6129-4a11-a769-a690b61f9093" ], "da0aca50-b474-4040-ab48-22b57d876474": [ "dcfe7470-8b3c-4cfc-a7fb-94cf21b9d400" ], "9a647b08-853a-40be-96e6-7f6db70bca2e": [ "dcfe7470-8b3c-4cfc-a7fb-94cf21b9d400" ], "7c5b9946-6663-4fb9-9489-9f72fef1c66c": [ "dcfe7470-8b3c-4cfc-a7fb-94cf21b9d400" ], "3ffbb3cd-4173-46d2-bca1-090b29956259": [ "dcfe7470-8b3c-4cfc-a7fb-94cf21b9d400" ], "76fd551b-f78f-47d5-b0cf-77f3a26a73fd": [ "dcfe7470-8b3c-4cfc-a7fb-94cf21b9d400" ], "c9ce971d-e333-4fce-be96-7993b6980b0d": [ "dcfe7470-8b3c-4cfc-a7fb-94cf21b9d400" ], "f8213312-7d01-409d-b4e7-5af22d4ee0b6": [ "dcfe7470-8b3c-4cfc-a7fb-94cf21b9d400" ], "f64f1992-86f7-4b44-8c85-9b59a291a93d": [ "dcfe7470-8b3c-4cfc-a7fb-94cf21b9d400" ], "dafd11a0-2330-428d-9268-414a9bf916ee": [ "dcfe7470-8b3c-4cfc-a7fb-94cf21b9d400" ], "3160fc5c-45a1-4388-884d-fb822467700a": [ "dcfe7470-8b3c-4cfc-a7fb-94cf21b9d400" ], "c25fb01f-89ac-4885-8a0f-85c2f2359337": [ "f111f0d7-e1b9-4f16-98d5-f745e08c0323" ], "49c9fba3-61db-46cd-8404-b8fa2a4d1442": [ "f111f0d7-e1b9-4f16-98d5-f745e08c0323" ], "f71b7608-20f3-4d2e-be4f-a36e7d0fc74c": [ "f111f0d7-e1b9-4f16-98d5-f745e08c0323" ], "bc70cf10-e72a-4b9e-b041-d8df06b22993": [ "f111f0d7-e1b9-4f16-98d5-f745e08c0323" ], "8bf31f20-7d92-45d7-9c60-e86ea4f7986c": [ "f111f0d7-e1b9-4f16-98d5-f745e08c0323" ], "402ca61c-92bc-4374-b633-6c7b6b94084f": [ "f111f0d7-e1b9-4f16-98d5-f745e08c0323" ], "4fb4ad06-f018-462e-be1f-0299918f9c5e": [ "f111f0d7-e1b9-4f16-98d5-f745e08c0323" ], "2b3e438c-2e4e-47e3-83c6-87e79b68b94e": [ "f111f0d7-e1b9-4f16-98d5-f745e08c0323" ], "e8d600f5-55b4-4964-8dce-d518d0834b29": [ "f111f0d7-e1b9-4f16-98d5-f745e08c0323" ], "6daccac6-e650-47c1-ad4a-195b014e85c2": [ "f111f0d7-e1b9-4f16-98d5-f745e08c0323" ], "66946595-948c-4abf-8bf7-649c7b0bc772": [ "96d923d0-a427-4c47-9937-61f5e0ffa9e0" ], "1d0d0fe0-3206-4949-a6a2-640308bd3751": [ "96d923d0-a427-4c47-9937-61f5e0ffa9e0" ], "41f854d6-ea4e-412a-8a79-ece99e06620e": [ "96d923d0-a427-4c47-9937-61f5e0ffa9e0" ], "1e45df1e-7228-4e39-a9f6-764c18a83871": [ "96d923d0-a427-4c47-9937-61f5e0ffa9e0" ], "a530929d-07cd-46d5-8811-ca9649a42a1e": [ "96d923d0-a427-4c47-9937-61f5e0ffa9e0" ], "b82a4ca7-16a4-4511-9728-0c50f9f34f42": [ "96d923d0-a427-4c47-9937-61f5e0ffa9e0" ], "1198cd83-33f0-40b7-90bf-dbfcc9d265ae": [ "96d923d0-a427-4c47-9937-61f5e0ffa9e0" ], "41333322-4b36-44f1-b387-b74dc92874b2": [ "96d923d0-a427-4c47-9937-61f5e0ffa9e0" ], "5db76014-0baf-4ed7-be2e-08ccb820b5d6": [ "96d923d0-a427-4c47-9937-61f5e0ffa9e0" ], "f915fd7d-6244-4bcf-b194-83657199a384": [ "96d923d0-a427-4c47-9937-61f5e0ffa9e0" ], "9df64b6e-b854-4203-9689-77125687bf26": [ "f3adcff6-79d7-42ed-9dbf-c2e88416db14" ], "899d27c8-38e3-4102-8bfd-bb889d70b788": [ "f3adcff6-79d7-42ed-9dbf-c2e88416db14" ], "709807a5-07cc-413c-aeb8-1d0f2aa9e8a6": [ "f3adcff6-79d7-42ed-9dbf-c2e88416db14" ], "6581f75e-4f5a-419a-b1d4-ac44063bbbed": [ "f3adcff6-79d7-42ed-9dbf-c2e88416db14" ], "d80e0140-b226-415e-8230-b0e5576c0d99": [ "f3adcff6-79d7-42ed-9dbf-c2e88416db14" ], "60072d23-7a76-4dac-aab7-36f20d55d8ee": [ "f3adcff6-79d7-42ed-9dbf-c2e88416db14" ], "6af7a87a-731d-4291-b122-b3457d2ad914": [ "f3adcff6-79d7-42ed-9dbf-c2e88416db14" ], "94c41728-fc39-4d74-aa9a-66a3634f2864": [ "f3adcff6-79d7-42ed-9dbf-c2e88416db14" ], "3930bbae-c3c3-4ff5-9bf8-a4d6afc9339c": [ "f3adcff6-79d7-42ed-9dbf-c2e88416db14" ], "f1aba30e-3e5f-4f26-9a3d-180d1720ae22": [ "f3adcff6-79d7-42ed-9dbf-c2e88416db14" ], "bec6c998-ac97-4bc6-ae3b-8300f556a6aa": [ "9873219a-7b42-4ae3-b802-ba643afba844" ], "de15c589-1c7e-497c-9c7e-d7c7a874cff6": [ "9873219a-7b42-4ae3-b802-ba643afba844" ], "f1044b90-094b-4dd3-a30f-283e7a848ae0": [ "9873219a-7b42-4ae3-b802-ba643afba844" ], "65a646cf-1f6e-4415-8c7c-9fc6da06eb12": [ "9873219a-7b42-4ae3-b802-ba643afba844" ], "53258042-9928-4ed0-9d05-1bbfebd06cbf": [ "9873219a-7b42-4ae3-b802-ba643afba844" ], "bccc9e10-f015-4ad0-85ed-4c6c248e23a4": [ "9873219a-7b42-4ae3-b802-ba643afba844" ], "1714978c-9dad-48aa-a594-e5a94253ef13": [ "9873219a-7b42-4ae3-b802-ba643afba844" ], "3bcc8e65-528b-4004-93df-7d62874b67a0": [ "9873219a-7b42-4ae3-b802-ba643afba844" ], "8ad7350e-bd10-4cee-ab39-c4d2d7d45d48": [ "9873219a-7b42-4ae3-b802-ba643afba844" ], "ec1aec00-037c-44a6-a181-a297b5d4b0d3": [ "9873219a-7b42-4ae3-b802-ba643afba844" ], "2143d8f9-4242-4465-9d84-2207889c2114": [ "19d8eb43-65e0-4bdf-84a0-de8723bbfd4a" ], "1674fb64-106d-4612-99f7-2f1a5533aa3e": [ "19d8eb43-65e0-4bdf-84a0-de8723bbfd4a" ], "ccbedb08-eb65-4870-8275-8111f4ad7581": [ "19d8eb43-65e0-4bdf-84a0-de8723bbfd4a" ], "50ccc2d2-0765-46e2-b17c-35736b213d01": [ "19d8eb43-65e0-4bdf-84a0-de8723bbfd4a" ], "2ccd1309-b551-44d8-8655-9f2b045595b3": [ "19d8eb43-65e0-4bdf-84a0-de8723bbfd4a" ], "009a35a9-36f1-4a3c-a08b-7a0fafe3ca1e": [ "19d8eb43-65e0-4bdf-84a0-de8723bbfd4a" ], "26462460-5a9c-4d22-be36-8b9a23bbde3e": [ "19d8eb43-65e0-4bdf-84a0-de8723bbfd4a" ], "1530803d-b537-4359-b6fa-62d9923aefae": [ "19d8eb43-65e0-4bdf-84a0-de8723bbfd4a" ], "e849306f-b312-424b-b8f7-4e7464925f34": [ "19d8eb43-65e0-4bdf-84a0-de8723bbfd4a" ], "bce81e44-ee14-4733-baf6-d4c308e4c706": [ "19d8eb43-65e0-4bdf-84a0-de8723bbfd4a" ], "efee6a0f-c7d6-48e3-8f86-d9eb05809b94": [ "e98eddb8-16e3-418a-8ee8-f5476a1458b3" ], "dbcae44d-46a6-4fa1-82f8-34237bcd5ed5": [ "e98eddb8-16e3-418a-8ee8-f5476a1458b3" ], "3aec9b76-b283-4593-bcec-fd8a29ee96aa": [ "e98eddb8-16e3-418a-8ee8-f5476a1458b3" ], "5de4da17-761e-400e-afba-aaaffd935b17": [ "e98eddb8-16e3-418a-8ee8-f5476a1458b3" ], "0e82b7f6-64d2-418e-97d7-c4e70b9ca4c5": [ "e98eddb8-16e3-418a-8ee8-f5476a1458b3" ], "97cdabdf-1d97-4776-90f8-4540dda15211": [ "e98eddb8-16e3-418a-8ee8-f5476a1458b3" ], "f06b68cc-605b-41eb-ae7e-90b04d3387ce": [ "e98eddb8-16e3-418a-8ee8-f5476a1458b3" ], "2b897715-cd3b-42a6-9cac-baf75cdce7ea": [ "e98eddb8-16e3-418a-8ee8-f5476a1458b3" ], "58b18ee4-eb15-4520-83bf-7e4b890607be": [ "e98eddb8-16e3-418a-8ee8-f5476a1458b3" ], "93d8414d-f73e-47a7-8491-d20c850297f8": [ "e98eddb8-16e3-418a-8ee8-f5476a1458b3" ], "39d8806f-f480-43bb-b199-c07f27382513": [ "aa902b68-4b9f-43ed-a852-86e9acc669a4" ], "2cd9610b-b05b-4b7e-b2a3-b000f5bf3674": [ "aa902b68-4b9f-43ed-a852-86e9acc669a4" ], "47617ee5-fef5-4506-bc71-cfd5fee1461a": [ "aa902b68-4b9f-43ed-a852-86e9acc669a4" ], "93a840d4-99db-43d5-8de2-ee95e6c6c32b": [ "aa902b68-4b9f-43ed-a852-86e9acc669a4" ], "7b16abd1-d98d-4648-b167-b12c7724a172": [ "aa902b68-4b9f-43ed-a852-86e9acc669a4" ], "7081f956-b22b-4844-9827-f97c2f2d3e44": [ "aa902b68-4b9f-43ed-a852-86e9acc669a4" ], "2680e130-d5df-4f18-86b5-069d1745fa35": [ "aa902b68-4b9f-43ed-a852-86e9acc669a4" ], "b019610d-eb21-4607-ab79-564440223243": [ "aa902b68-4b9f-43ed-a852-86e9acc669a4" ], "cf848417-5001-4ef4-8007-f6dc80849c4e": [ "aa902b68-4b9f-43ed-a852-86e9acc669a4" ], "2baab067-7349-4cad-a0e9-7bee5994e144": [ "aa902b68-4b9f-43ed-a852-86e9acc669a4" ], "9ce46e6f-7001-4e95-aadd-6f792ae35d31": [ "698d2f08-9f04-4096-97d9-6867067f7c57" ], "05ed25bf-4be5-40b1-879a-4fde55853e63": [ "698d2f08-9f04-4096-97d9-6867067f7c57" ], "f22c67f8-0bfe-4f41-97f2-a9f933ea59ac": [ "698d2f08-9f04-4096-97d9-6867067f7c57" ], "05737b93-bd03-417c-95ba-3425ce070992": [ "698d2f08-9f04-4096-97d9-6867067f7c57" ], "4f05fe7d-c9b7-495a-aabe-c3f07262deee": [ "698d2f08-9f04-4096-97d9-6867067f7c57" ], "369f90c6-3d09-4ea5-a90e-511f6b14f90f": [ "698d2f08-9f04-4096-97d9-6867067f7c57" ], "97adc65e-4cdd-4fed-b3ba-9ddbdf6c7cc6": [ "698d2f08-9f04-4096-97d9-6867067f7c57" ], "50666444-8852-4c13-8596-c25c99325cdb": [ "698d2f08-9f04-4096-97d9-6867067f7c57" ], "8d2d2bf4-239a-4b61-badc-5ede567900e1": [ "698d2f08-9f04-4096-97d9-6867067f7c57" ], "24688231-3b1d-4fe2-bf0e-0aff6874c1a8": [ "698d2f08-9f04-4096-97d9-6867067f7c57" ], "30f14eaa-4ab8-46a8-bb74-7c04d63f7490": [ "a92bfab6-a257-48cd-a2d1-591289b622f8" ], "f1fd1406-7061-4fea-acf3-0270edb169b9": [ "a92bfab6-a257-48cd-a2d1-591289b622f8" ], "2547e8db-6468-40db-893b-c79561c95116": [ "a92bfab6-a257-48cd-a2d1-591289b622f8" ], "8f816fca-f53e-4569-99d9-9a2bf767928d": [ "a92bfab6-a257-48cd-a2d1-591289b622f8" ], "6470c719-3a57-4016-b499-a5b3f821e234": [ "a92bfab6-a257-48cd-a2d1-591289b622f8" ], "95163621-8667-4b35-8239-01a89eef65b4": [ "a92bfab6-a257-48cd-a2d1-591289b622f8" ], "727faab5-fd1b-446e-85ef-4619943f3212": [ "a92bfab6-a257-48cd-a2d1-591289b622f8" ], "fd59384b-2de0-4b38-bf5a-76bc51b2df12": [ "a92bfab6-a257-48cd-a2d1-591289b622f8" ], "53f31033-af5e-41e4-8d30-8ed6fd23658b": [ "a92bfab6-a257-48cd-a2d1-591289b622f8" ], "602d2727-03f4-402a-a4b9-36ffe67e188d": [ "a92bfab6-a257-48cd-a2d1-591289b622f8" ], "000b25d8-9d8b-445d-b2cf-7d72ddc458d1": [ "fb43b770-52b1-494c-8836-a78ccb05a7c2" ], "22d5ca98-66eb-4585-84fb-b9f63518d2a6": [ "fb43b770-52b1-494c-8836-a78ccb05a7c2" ], "d7c6ccd4-7501-4e74-be55-5ca98361a98b": [ "fb43b770-52b1-494c-8836-a78ccb05a7c2" ], "184495ed-b24d-486b-be2e-ea500cd00d41": [ "fb43b770-52b1-494c-8836-a78ccb05a7c2" ], "38fa1c63-3642-4f94-85d2-bf365b737d05": [ "fb43b770-52b1-494c-8836-a78ccb05a7c2" ], "e309108f-5c0d-4060-bbae-11ed61a6e913": [ "fb43b770-52b1-494c-8836-a78ccb05a7c2" ], "2e5ec546-2dec-45b0-a225-453313cd8744": [ "fb43b770-52b1-494c-8836-a78ccb05a7c2" ], "b40cd079-78b0-4763-91fc-e38e12180d41": [ "fb43b770-52b1-494c-8836-a78ccb05a7c2" ], "9dabf96b-18d8-4774-93f2-a0daa0979b9d": [ "fb43b770-52b1-494c-8836-a78ccb05a7c2" ], "bdaaa0d5-6f99-4a76-b4c4-9910bba2a2c7": [ "fb43b770-52b1-494c-8836-a78ccb05a7c2" ], "75c15f58-c023-482e-ab89-f30600af83ae": [ "8f7efe61-6795-42b9-9a25-b3623eaa280c" ], "6e0b30f0-8c64-4e43-abc9-2e3a534520e7": [ "8f7efe61-6795-42b9-9a25-b3623eaa280c" ], "9f2782fb-67c2-46d3-958c-669d88cd060b": [ "8f7efe61-6795-42b9-9a25-b3623eaa280c" ], "75f16b7f-a732-44e1-ab07-adfe9f1cbc4e": [ "8f7efe61-6795-42b9-9a25-b3623eaa280c" ], "c8b90fee-b6a8-49f2-9752-2834bb92c3a2": [ "8f7efe61-6795-42b9-9a25-b3623eaa280c" ], "8cdbc472-b143-4730-8d05-da8133be660c": [ "8f7efe61-6795-42b9-9a25-b3623eaa280c" ], "9df84738-9444-46bb-8420-8fc4c1b069ea": [ "8f7efe61-6795-42b9-9a25-b3623eaa280c" ], "5b48f7a9-1387-407c-8a93-b5ba14a98e68": [ "8f7efe61-6795-42b9-9a25-b3623eaa280c" ], "fab1b010-57ff-4cba-9ff6-8e49d2558411": [ "8f7efe61-6795-42b9-9a25-b3623eaa280c" ], "36e04f0e-a4af-41c0-92e8-f9e0c9671761": [ "8f7efe61-6795-42b9-9a25-b3623eaa280c" ], "e4e4b892-de00-46d6-a292-1d5d37eb3024": [ "2e736ec4-ea55-4948-9a5c-592d9f26e93d" ], "6350b2b8-ef13-4071-a4d7-b84f0dbef685": [ "2e736ec4-ea55-4948-9a5c-592d9f26e93d" ], "09c33217-209f-45a2-9ae7-9b4f90181085": [ "2e736ec4-ea55-4948-9a5c-592d9f26e93d" ], "412502a5-7cb7-4c97-a870-ba948d508517": [ "2e736ec4-ea55-4948-9a5c-592d9f26e93d" ], "660d4be5-9185-4856-a190-6330aec4398a": [ "2e736ec4-ea55-4948-9a5c-592d9f26e93d" ], "867d3c5c-254c-41b0-8488-3134f24684de": [ "2e736ec4-ea55-4948-9a5c-592d9f26e93d" ], "72c56e28-1f92-4f43-932d-0dcf5528177c": [ "2e736ec4-ea55-4948-9a5c-592d9f26e93d" ], "a9ebebfc-fb7b-455c-b07c-651db25c8135": [ "2e736ec4-ea55-4948-9a5c-592d9f26e93d" ], "ed32b7eb-7268-499c-a28e-95048b0ffd43": [ "2e736ec4-ea55-4948-9a5c-592d9f26e93d" ], "92b2cb58-f2cc-4605-a989-3649b96f99d9": [ "2e736ec4-ea55-4948-9a5c-592d9f26e93d" ], "99aa49ac-68b9-4b01-aab7-258a1e2bd2ef": [ "75cff67f-a0ec-469e-9b1f-50453b8e530a" ], "b87eb38f-bc3f-46c7-ada5-991966197d3e": [ "75cff67f-a0ec-469e-9b1f-50453b8e530a" ], "d11bb952-8b59-4909-a6f2-b1c6fab64802": [ "75cff67f-a0ec-469e-9b1f-50453b8e530a" ], "77dfd98f-1f4b-44ce-ad5a-ad28434f582a": [ "75cff67f-a0ec-469e-9b1f-50453b8e530a" ], "dd40713d-98e2-4f26-a535-d3ac1b71e446": [ "75cff67f-a0ec-469e-9b1f-50453b8e530a" ], "b639976f-4bd6-4ae1-8592-a0770e4578ed": [ "75cff67f-a0ec-469e-9b1f-50453b8e530a" ], "5de629a2-5848-47cb-96da-7a3c20e8f513": [ "75cff67f-a0ec-469e-9b1f-50453b8e530a" ], "77e0f507-1c16-4f1d-968c-a57fccf203bc": [ "75cff67f-a0ec-469e-9b1f-50453b8e530a" ], "422bcb4d-cf22-43ff-9220-3651608d7de3": [ "75cff67f-a0ec-469e-9b1f-50453b8e530a" ], "7857be7a-7506-406c-873a-1c2ebaefe3ad": [ "75cff67f-a0ec-469e-9b1f-50453b8e530a" ], "150d7ea1-19e1-444b-a174-5b68b06cfab6": [ "6940b3b3-c9d3-4188-a79d-a59d8163aa4b" ], "5c25b319-cab0-4674-be71-f9de10515a13": [ "6940b3b3-c9d3-4188-a79d-a59d8163aa4b" ], "be29db2f-47e7-4167-8baf-521dd14b7979": [ "6940b3b3-c9d3-4188-a79d-a59d8163aa4b" ], "a1ceee41-3057-47a2-b77c-0bdf4c247cfd": [ "6940b3b3-c9d3-4188-a79d-a59d8163aa4b" ], "99c8cb39-4457-4a7b-b7de-962892e58f90": [ "6940b3b3-c9d3-4188-a79d-a59d8163aa4b" ], "2fb62d48-95e9-4e38-8156-b0217da5dc92": [ "6940b3b3-c9d3-4188-a79d-a59d8163aa4b" ], "eb366101-d06f-4432-bc04-4c0804d76e79": [ "6940b3b3-c9d3-4188-a79d-a59d8163aa4b" ], "a9afc077-d3c0-48d8-bc0e-78f054dbb043": [ "6940b3b3-c9d3-4188-a79d-a59d8163aa4b" ], "c24cf6fd-951d-427f-af67-b9be8e1679b6": [ "6940b3b3-c9d3-4188-a79d-a59d8163aa4b" ], "58143cbb-0d91-44d9-96ff-117e5eef45db": [ "6940b3b3-c9d3-4188-a79d-a59d8163aa4b" ], "88c80791-c466-4a3a-811e-958d34490605": [ "71503bc6-34a9-459a-b340-d5e49650b69f" ], "fffa5409-2351-453d-9430-6d6763c4517f": [ "71503bc6-34a9-459a-b340-d5e49650b69f" ], "dbd5a4da-aef9-4524-ab72-fca20dd86ab3": [ "71503bc6-34a9-459a-b340-d5e49650b69f" ], "7d52049f-f49b-4505-9b03-f403b943c307": [ "71503bc6-34a9-459a-b340-d5e49650b69f" ], "26379ffd-5ab2-4b5f-8ee8-44381c752adb": [ "71503bc6-34a9-459a-b340-d5e49650b69f" ], "45584b17-41a4-4937-9141-83bdc894f6c1": [ "71503bc6-34a9-459a-b340-d5e49650b69f" ], "ffdadc24-8569-447f-881a-88ee335e88ad": [ "71503bc6-34a9-459a-b340-d5e49650b69f" ], "3b2aa550-9e56-45f2-9cd9-3a42e894cd18": [ "71503bc6-34a9-459a-b340-d5e49650b69f" ], "a5f24545-e7ca-43a5-8d57-78f0c699446d": [ "71503bc6-34a9-459a-b340-d5e49650b69f" ], "bc1c4f34-6e1e-4b20-a50d-07380a42e104": [ "71503bc6-34a9-459a-b340-d5e49650b69f" ], "05e593e9-8b98-4a6c-b587-4bb485a1af28": [ "8469db7e-7999-4454-84f8-08382f834e44" ], "2481737c-7290-4159-ae7f-b9a3abfa28c5": [ "8469db7e-7999-4454-84f8-08382f834e44" ], "3d06e18c-9822-4da6-9354-0090a120c51b": [ "8469db7e-7999-4454-84f8-08382f834e44" ], "4a6ae931-7963-4b41-9c2d-86fdbecb4ce8": [ "8469db7e-7999-4454-84f8-08382f834e44" ], "3a6fd0be-a62a-4bdd-a1b6-8731b07450d7": [ "8469db7e-7999-4454-84f8-08382f834e44" ], "acd41743-29cf-4cc1-aeec-e58483e9eba8": [ "8469db7e-7999-4454-84f8-08382f834e44" ], "58b1f335-d5b4-4fad-88f1-2681ba41197c": [ "8469db7e-7999-4454-84f8-08382f834e44" ], "faf0b133-6484-440e-805d-8c064b81f00b": [ "8469db7e-7999-4454-84f8-08382f834e44" ], "88c3821e-b8cc-44dd-a5ad-37c5937e64f6": [ "8469db7e-7999-4454-84f8-08382f834e44" ], "ac65ba83-425d-4a59-8089-cecf66dfabe8": [ "8469db7e-7999-4454-84f8-08382f834e44" ], "53f69ee5-be40-47fd-98a2-ef3c99c5785c": [ "8e325bbf-1112-4723-86ac-a81e8acb7085" ], "e004b385-3cff-4664-a20f-82c59f08331c": [ "8e325bbf-1112-4723-86ac-a81e8acb7085" ], "f5f0d1c9-30f1-42dd-b1b9-e5bd8250f256": [ "8e325bbf-1112-4723-86ac-a81e8acb7085" ], "3c9e703e-0318-41b3-b89a-923d61865901": [ "8e325bbf-1112-4723-86ac-a81e8acb7085" ], "3cc9cc15-494d-403c-8a77-ade73f03cb7d": [ "8e325bbf-1112-4723-86ac-a81e8acb7085" ], "f76f9a77-9a91-4a63-bb56-69f6896df28a": [ "8e325bbf-1112-4723-86ac-a81e8acb7085" ], "2faa7eb8-73f0-4b29-868c-bc390e8e1c7f": [ "8e325bbf-1112-4723-86ac-a81e8acb7085" ], "f9f4dbf5-b60d-4588-82a1-46cbb33abd7a": [ "8e325bbf-1112-4723-86ac-a81e8acb7085" ], "aca22178-d6e2-4744-8dfe-18908d8b1999": [ "8e325bbf-1112-4723-86ac-a81e8acb7085" ], "e24e3705-3036-41bc-afd0-38e732825967": [ "8e325bbf-1112-4723-86ac-a81e8acb7085" ], "2ae319ee-426a-4a52-8392-fa86f758c17e": [ "9107b097-c663-4cbd-8a08-a62122a4bae4" ], "a6453a54-30a7-4863-86e2-cf4c170f5927": [ "9107b097-c663-4cbd-8a08-a62122a4bae4" ], "544156fa-4c10-4fe1-8ba2-a5bd10b90d00": [ "9107b097-c663-4cbd-8a08-a62122a4bae4" ], "c4a10249-f116-412c-b4cd-deaf6d5f78ca": [ "9107b097-c663-4cbd-8a08-a62122a4bae4" ], "5f0fc906-806f-49a8-a79f-adcc8fe92df6": [ "9107b097-c663-4cbd-8a08-a62122a4bae4" ], "4ef9175e-82b3-485f-a394-0045daefeabb": [ "9107b097-c663-4cbd-8a08-a62122a4bae4" ], "b9134895-3c4c-4aa6-abf9-8cf99ae9e848": [ "9107b097-c663-4cbd-8a08-a62122a4bae4" ], "9a7a2d93-bbcc-4d7f-b7a0-2ec8fcbc6124": [ "9107b097-c663-4cbd-8a08-a62122a4bae4" ], "39d993bb-d834-4b6f-9fb7-7ebd6cc26617": [ "9107b097-c663-4cbd-8a08-a62122a4bae4" ], "35671b27-1782-4e64-a5ae-71000b6419a1": [ "9107b097-c663-4cbd-8a08-a62122a4bae4" ], "9f24960a-3759-4ed9-ad26-a30ae04b8a82": [ "9ad3eca9-ab50-4b06-91d0-54fc7abfe8e2" ], "f7e09ba5-0b3e-436d-b593-2c08ec95fa5a": [ "9ad3eca9-ab50-4b06-91d0-54fc7abfe8e2" ], "0c8d889d-4804-4e58-ae98-50be46bb6fda": [ "9ad3eca9-ab50-4b06-91d0-54fc7abfe8e2" ], "2aad2828-0f36-4a16-92a5-7e6e5e844352": [ "9ad3eca9-ab50-4b06-91d0-54fc7abfe8e2" ], "9fb3a465-67fe-44ed-b3e3-c60b573948db": [ "9ad3eca9-ab50-4b06-91d0-54fc7abfe8e2" ], "80b92d26-1dd7-4e9f-8104-83101ca3fd52": [ "9ad3eca9-ab50-4b06-91d0-54fc7abfe8e2" ], "ba7d61cc-44cb-4d4e-809f-19ae4c239f89": [ "9ad3eca9-ab50-4b06-91d0-54fc7abfe8e2" ], "70393fcd-ebbe-4218-b96e-c29b82af9dd3": [ "9ad3eca9-ab50-4b06-91d0-54fc7abfe8e2" ], "0f3a4d29-d743-4c4f-a78c-d0ca08cb9d56": [ "9ad3eca9-ab50-4b06-91d0-54fc7abfe8e2" ], "30dcfd64-81f6-451c-a105-5555f1510435": [ "9ad3eca9-ab50-4b06-91d0-54fc7abfe8e2" ], "e6aa77bc-1cd5-4e31-900e-d8f674713a0c": [ "12a14b8a-b272-4399-911a-9d3f5533dd79" ], "112a9b0b-8c34-4b74-8161-298172615af5": [ "12a14b8a-b272-4399-911a-9d3f5533dd79" ], "9161279e-b5f4-4c33-a116-5a7651d5277a": [ "12a14b8a-b272-4399-911a-9d3f5533dd79" ], "b10fbdfe-4485-4a4c-84d0-46c20b23750b": [ "12a14b8a-b272-4399-911a-9d3f5533dd79" ], "6a0b6697-7c87-489d-914b-581b156af7d1": [ "12a14b8a-b272-4399-911a-9d3f5533dd79" ], "983e9881-88f7-4b90-a75b-f33075841a52": [ "12a14b8a-b272-4399-911a-9d3f5533dd79" ], "5d0e8584-a164-43a5-8791-8504bed3405d": [ "12a14b8a-b272-4399-911a-9d3f5533dd79" ], "df7ef92c-57ff-4e06-83d2-4084d7fcf84d": [ "12a14b8a-b272-4399-911a-9d3f5533dd79" ], "87a5308b-218f-4801-8042-9dfcf39f9de4": [ "12a14b8a-b272-4399-911a-9d3f5533dd79" ], "17406265-9312-44a5-b0cf-913d1f2bff0d": [ "12a14b8a-b272-4399-911a-9d3f5533dd79" ], "1cb6b8b7-f87b-4def-844b-0adb5c9ab5a3": [ "99f60008-9f62-4888-a3dc-f1634d7bfa02" ], "ac30fa9e-e26a-4423-8597-19aa79448c42": [ "99f60008-9f62-4888-a3dc-f1634d7bfa02" ], "379dab80-441d-4950-a98b-8fc922a7349f": [ "99f60008-9f62-4888-a3dc-f1634d7bfa02" ], "2ed80d12-df8d-4030-a0e2-3f5e32d9d8cc": [ "99f60008-9f62-4888-a3dc-f1634d7bfa02" ], "9145fa47-6e4d-43cd-b025-812404a51cf5": [ "99f60008-9f62-4888-a3dc-f1634d7bfa02" ], "a1c45be2-6d14-46f8-9059-ed01fcf4e292": [ "99f60008-9f62-4888-a3dc-f1634d7bfa02" ], "fb25554d-a29a-48cd-b0f6-a1a4443a2bfd": [ "99f60008-9f62-4888-a3dc-f1634d7bfa02" ], "9b54b552-592d-4394-8eb9-0db3385bec66": [ "99f60008-9f62-4888-a3dc-f1634d7bfa02" ], "8e63198b-89de-45af-a17c-50ed554c6062": [ "99f60008-9f62-4888-a3dc-f1634d7bfa02" ], "885ae4fc-f2cb-4151-bba7-f9c95699b12d": [ "99f60008-9f62-4888-a3dc-f1634d7bfa02" ], "3846adf4-ba5c-4de1-9d8a-5269cab94735": [ "1310dea3-54a6-449a-b157-fd568affbf36" ], "ddef656c-874b-41ec-b192-32e53e91ad4e": [ "1310dea3-54a6-449a-b157-fd568affbf36" ], "b7f9914b-803d-49fa-9610-f4068fe9aedf": [ "1310dea3-54a6-449a-b157-fd568affbf36" ], "467f8a46-c74a-47e0-ac48-dbcbc6c2d00d": [ "1310dea3-54a6-449a-b157-fd568affbf36" ], "da19d14e-01b8-4c68-9805-eb8ed0def78a": [ "1310dea3-54a6-449a-b157-fd568affbf36" ], "857f89f6-2dc5-44a3-9826-e922bad9302b": [ "1310dea3-54a6-449a-b157-fd568affbf36" ], "ea6cc9e0-3477-4c54-8490-3360cacda162": [ "1310dea3-54a6-449a-b157-fd568affbf36" ], "74917853-bd2c-47ab-991b-c00610f2e8ca": [ "1310dea3-54a6-449a-b157-fd568affbf36" ], "81aee62a-032d-407b-a65f-ccf4010a55b2": [ "1310dea3-54a6-449a-b157-fd568affbf36" ], "b5b0bead-f482-4e04-842f-39872afa84af": [ "1310dea3-54a6-449a-b157-fd568affbf36" ], "ede83847-8f5d-4eec-ac00-db27c7303f04": [ "65251664-5a0d-455b-8dae-36f9939f06ff" ], "8ed03a4b-9b93-47c1-9c75-8889718c8c02": [ "65251664-5a0d-455b-8dae-36f9939f06ff" ], "5d9761d4-d2c9-407f-ba68-3083da684240": [ "65251664-5a0d-455b-8dae-36f9939f06ff" ], "c6005006-aa26-4531-8907-747dc2d61ff3": [ "65251664-5a0d-455b-8dae-36f9939f06ff" ], "c38670f0-aef9-4903-9a08-433b351a789c": [ "65251664-5a0d-455b-8dae-36f9939f06ff" ], "75048e51-4db1-4f72-916c-90b79ca45e18": [ "65251664-5a0d-455b-8dae-36f9939f06ff" ], "e5ebd101-9e8f-4d8c-a7a4-77ecd8e0b0e4": [ "65251664-5a0d-455b-8dae-36f9939f06ff" ], "027cc338-d7e8-4bdc-8918-5c7a9ab87622": [ "65251664-5a0d-455b-8dae-36f9939f06ff" ], "3c8488ea-bbea-4f29-8e19-3e2113d647ec": [ "65251664-5a0d-455b-8dae-36f9939f06ff" ], "9672fd03-bc51-4344-aae8-1fb2a46c597c": [ "65251664-5a0d-455b-8dae-36f9939f06ff" ], "1139511a-0e47-4474-a713-869aee46a534": [ "05c545f2-17d0-445f-adca-d4f085a9fe1d" ], "176a73ba-dd7c-4293-88e4-4e7407af9f1c": [ "05c545f2-17d0-445f-adca-d4f085a9fe1d" ], "08500fdf-4faf-4b8e-8f3e-92f809c6a1b5": [ "05c545f2-17d0-445f-adca-d4f085a9fe1d" ], "73ba38ab-766b-4d89-929f-f31c577d398e": [ "05c545f2-17d0-445f-adca-d4f085a9fe1d" ], "328be14a-36b6-4834-bce0-1a9a71c38406": [ "05c545f2-17d0-445f-adca-d4f085a9fe1d" ], "83c92163-1f47-4146-8ad2-de6af342cf4b": [ "05c545f2-17d0-445f-adca-d4f085a9fe1d" ], "3f5bb901-ee00-442c-801f-2042f11f8735": [ "05c545f2-17d0-445f-adca-d4f085a9fe1d" ], "82f6c89f-29d2-4194-b605-d16610a8fd93": [ "05c545f2-17d0-445f-adca-d4f085a9fe1d" ], "addedbb4-422d-4bc9-bcc2-bc42abb85fa8": [ "05c545f2-17d0-445f-adca-d4f085a9fe1d" ], "38f4ed02-e781-46a6-84fa-64c0c3cdf7af": [ "05c545f2-17d0-445f-adca-d4f085a9fe1d" ], "8bb59fbb-52f2-4c62-9656-2e1f0d5850da": [ "bb5d4346-3963-40c7-b2ab-06cbe17b2075" ], "bef4969a-e0fe-434d-8c58-6b09d20d0573": [ "bb5d4346-3963-40c7-b2ab-06cbe17b2075" ], "c14836b9-7831-40c5-a7d9-0f46185bcfc8": [ "bb5d4346-3963-40c7-b2ab-06cbe17b2075" ], "8ddfa2bd-85d7-473c-ad61-1c42ac9ace46": [ "bb5d4346-3963-40c7-b2ab-06cbe17b2075" ], "8a5b5d7c-3769-4617-9767-58842162652c": [ "bb5d4346-3963-40c7-b2ab-06cbe17b2075" ], "829d5406-1772-4ed8-bcf3-3c7e6e343d8c": [ "bb5d4346-3963-40c7-b2ab-06cbe17b2075" ], "7e3c147f-4708-4cb0-8a43-341641fcfc4f": [ "bb5d4346-3963-40c7-b2ab-06cbe17b2075" ], "bb1a93d8-1f6d-4b9c-8bcf-26ede1a2ebf6": [ "bb5d4346-3963-40c7-b2ab-06cbe17b2075" ], "733f0509-0130-4600-8e59-69c109b26a36": [ "bb5d4346-3963-40c7-b2ab-06cbe17b2075" ], "97c04f9b-b3bd-41f0-8fb5-a9ba05342112": [ "bb5d4346-3963-40c7-b2ab-06cbe17b2075" ], "3388480b-c25c-44cc-8e30-e24db82da76a": [ "fd7d3ba0-4dcb-4b3c-b8fa-8be95662f3fa" ], "2e478a3d-d90e-45d0-a436-b2dd35f3060c": [ "fd7d3ba0-4dcb-4b3c-b8fa-8be95662f3fa" ], "dfa8d950-8376-4e43-b4cd-6968851ebf57": [ "fd7d3ba0-4dcb-4b3c-b8fa-8be95662f3fa" ], "556b446a-07c4-44e9-8dce-711be1fe153b": [ "fd7d3ba0-4dcb-4b3c-b8fa-8be95662f3fa" ], "0f43a099-7d8e-46f1-9bba-06adff07cc65": [ "fd7d3ba0-4dcb-4b3c-b8fa-8be95662f3fa" ], "f6507c38-a670-4050-a1b2-0afc73346fd6": [ "fd7d3ba0-4dcb-4b3c-b8fa-8be95662f3fa" ], "b2a2417e-aa4b-4f59-a1b0-c7f950bdffb4": [ "fd7d3ba0-4dcb-4b3c-b8fa-8be95662f3fa" ], "eb022621-fcdf-472e-810a-e666c875227e": [ "fd7d3ba0-4dcb-4b3c-b8fa-8be95662f3fa" ], "9b9f458b-15a4-49df-bdc0-545098a40596": [ "fd7d3ba0-4dcb-4b3c-b8fa-8be95662f3fa" ], "5435bec2-0c52-4adf-a0f5-47564a42b262": [ "fd7d3ba0-4dcb-4b3c-b8fa-8be95662f3fa" ], "ab9bfe50-665f-46f3-9ef2-6a3189337456": [ "697dfdc3-ddd9-4dbd-8d4d-567534e63110" ], "0fc61977-9908-4e9c-ad0c-1d125432955d": [ "697dfdc3-ddd9-4dbd-8d4d-567534e63110" ], "9f0a88ab-9581-4274-886d-f209580f703d": [ "697dfdc3-ddd9-4dbd-8d4d-567534e63110" ], "9be1e3ff-c7ed-46cb-9b04-b43c5ded73ab": [ "697dfdc3-ddd9-4dbd-8d4d-567534e63110" ], "34784f9b-a290-4538-8e16-f0b54bcfde8f": [ "697dfdc3-ddd9-4dbd-8d4d-567534e63110" ], "1817b4d3-6efd-4dcc-8fa1-3cea3581bcbe": [ "697dfdc3-ddd9-4dbd-8d4d-567534e63110" ], "3c98b1bc-4433-48e9-a7f1-f69dd778a939": [ "697dfdc3-ddd9-4dbd-8d4d-567534e63110" ], "1bec47a0-fef1-44da-b853-761204ca40a5": [ "697dfdc3-ddd9-4dbd-8d4d-567534e63110" ], "661c5c3b-7054-42b7-939f-2da6b99c202a": [ "697dfdc3-ddd9-4dbd-8d4d-567534e63110" ], "ce46df73-d87f-4f2b-b31f-b89273cb0e46": [ "697dfdc3-ddd9-4dbd-8d4d-567534e63110" ], "87e6fb95-2a61-4428-b94f-7cc8999715ea": [ "3e255268-40bc-4fee-87d5-c9f28b07b800" ], "cb4767c7-0619-4bb0-b528-ad09fd0daedc": [ "3e255268-40bc-4fee-87d5-c9f28b07b800" ], "7481f1a9-d4eb-48b4-b612-db63a3ae0639": [ "3e255268-40bc-4fee-87d5-c9f28b07b800" ], "6ef13a6f-fcce-4329-8452-1daa998aaa08": [ "3e255268-40bc-4fee-87d5-c9f28b07b800" ], "c9ce7c0f-49c3-4e83-b11a-e65ff1415c7f": [ "3e255268-40bc-4fee-87d5-c9f28b07b800" ], "a303ee7c-e5f8-4118-80c3-82ecbfe1f2a4": [ "3e255268-40bc-4fee-87d5-c9f28b07b800" ], "f3b30bad-4620-44ae-a111-41c91f8ddce7": [ "3e255268-40bc-4fee-87d5-c9f28b07b800" ], "9aa84785-f191-4d05-98c2-7fd0b817a1bf": [ "3e255268-40bc-4fee-87d5-c9f28b07b800" ], "405db853-d956-42cf-87b9-9938141d8324": [ "3e255268-40bc-4fee-87d5-c9f28b07b800" ], "3e7f3e3c-3030-48a0-9fe9-5877f820f5a0": [ "3e255268-40bc-4fee-87d5-c9f28b07b800" ], "c3de70ea-23ea-4cf1-8e98-5909410b3645": [ "d619e15c-1118-4de5-a42f-be466136d70e" ], "49d613d3-48cf-4c68-9097-4f559cbd9ed5": [ "d619e15c-1118-4de5-a42f-be466136d70e" ], "ca73f554-2475-4ce3-8299-486a4d1e999c": [ "d619e15c-1118-4de5-a42f-be466136d70e" ], "ae6b04a4-1224-415a-be84-38b9223bbc97": [ "d619e15c-1118-4de5-a42f-be466136d70e" ], "9e53de71-7d1b-447a-b49d-1dcabe0a76ef": [ "d619e15c-1118-4de5-a42f-be466136d70e" ], "90997bb9-f205-4d85-be63-4b5a8e5a24dc": [ "d619e15c-1118-4de5-a42f-be466136d70e" ], "023d4bc3-a6c9-4520-b86b-f9597ea4c721": [ "d619e15c-1118-4de5-a42f-be466136d70e" ], "b771b3f7-6be1-4040-9787-f70c1b476d5e": [ "d619e15c-1118-4de5-a42f-be466136d70e" ], "60edbe51-1c14-43e6-bb27-f7a370a75718": [ "d619e15c-1118-4de5-a42f-be466136d70e" ], "d9f2fc11-4109-4452-a3a4-a41ecb66d8bf": [ "d619e15c-1118-4de5-a42f-be466136d70e" ], "74ffa043-a591-42d8-bbb0-dd19cb90fe80": [ "417d176f-7faf-4ecd-95db-cc75bad49933" ], "77a2659c-7d4c-486f-b822-28691cf87254": [ "417d176f-7faf-4ecd-95db-cc75bad49933" ], "3c0174f2-29bd-4c6e-a3a4-8add38241f76": [ "417d176f-7faf-4ecd-95db-cc75bad49933" ], "fc855ed7-3ce9-41a9-ae39-85eeec23bc06": [ "417d176f-7faf-4ecd-95db-cc75bad49933" ], "7446e318-9c24-4ec0-afa8-7097773fd8ae": [ "417d176f-7faf-4ecd-95db-cc75bad49933" ], "8a00c62a-09de-4726-8570-9ca46fd6792d": [ "417d176f-7faf-4ecd-95db-cc75bad49933" ], "ed7fd273-61d3-4fc1-9184-ba02c848332c": [ "417d176f-7faf-4ecd-95db-cc75bad49933" ], "1ed57545-ede4-4459-9890-03bf617ea07a": [ "417d176f-7faf-4ecd-95db-cc75bad49933" ], "5f6c4e34-b776-4623-a939-98095decd590": [ "417d176f-7faf-4ecd-95db-cc75bad49933" ], "8bbd8556-5a0d-40f5-b287-54734c127442": [ "417d176f-7faf-4ecd-95db-cc75bad49933" ], "d421f214-a3a8-41d2-ae18-cf82704d3984": [ "b7364b3b-73ab-4f8c-9df9-aa1dbb5f3112" ], "34a24e66-e240-4b8b-bca8-16d268192613": [ "b7364b3b-73ab-4f8c-9df9-aa1dbb5f3112" ], "7b12a63a-a987-4ab9-8e46-26ec39cd3a1e": [ "b7364b3b-73ab-4f8c-9df9-aa1dbb5f3112" ], "27b78654-d8f6-4ea1-8b60-0605f855d6db": [ "b7364b3b-73ab-4f8c-9df9-aa1dbb5f3112" ], "eccc0982-0a7f-4e1c-86f9-5713a95bc34b": [ "b7364b3b-73ab-4f8c-9df9-aa1dbb5f3112" ], "394a17ca-3da3-41dd-9030-2249e00c55a6": [ "b7364b3b-73ab-4f8c-9df9-aa1dbb5f3112" ], "b1670d4f-4e12-4182-b21a-74325eab4a09": [ "b7364b3b-73ab-4f8c-9df9-aa1dbb5f3112" ], "a1b3276d-8fe2-4691-bbb5-354548b75b2b": [ "b7364b3b-73ab-4f8c-9df9-aa1dbb5f3112" ], "58cfe1d7-846a-40ac-b210-ecfbbbfb2a1f": [ "b7364b3b-73ab-4f8c-9df9-aa1dbb5f3112" ], "ba296622-1273-4fdc-bc29-2c9ab17e6907": [ "b7364b3b-73ab-4f8c-9df9-aa1dbb5f3112" ], "9a1d56ff-448b-44f6-b08b-819545456643": [ "990e5226-8388-4546-b268-b8072882d142" ], "4c964362-4832-478f-8dd0-f289ba9c2837": [ "990e5226-8388-4546-b268-b8072882d142" ], "91917cb4-b4f6-43fe-bee7-c55611543dd0": [ "990e5226-8388-4546-b268-b8072882d142" ], "e9bbe74b-4acf-4c77-a161-2c720eedb5a3": [ "990e5226-8388-4546-b268-b8072882d142" ], "89d71bb0-46bf-47f7-acc8-161214d1ed0a": [ "990e5226-8388-4546-b268-b8072882d142" ], "bd1f2354-ea4b-493b-84d1-52655e7fd175": [ "990e5226-8388-4546-b268-b8072882d142" ], "f6612ecf-ecfb-479b-a7f9-768247b9f399": [ "990e5226-8388-4546-b268-b8072882d142" ], "a9bc2a34-3568-45d9-9c3f-a2fcd05b560a": [ "990e5226-8388-4546-b268-b8072882d142" ], "d1c6f240-8f41-428a-a846-ff698c7867c6": [ "990e5226-8388-4546-b268-b8072882d142" ], "ae4723d3-163c-42fd-9027-8423ddf8efa1": [ "990e5226-8388-4546-b268-b8072882d142" ], "aa39e7fa-cbd3-42e2-8ccb-84b3bd28cadd": [ "b81182e9-9233-4370-9fa7-03d2cd31aabd" ], "5b081895-9a47-40f3-8b1d-4d46bbaa8eb9": [ "b81182e9-9233-4370-9fa7-03d2cd31aabd" ], "87806644-a467-4597-a8ec-3720a4d051b9": [ "b81182e9-9233-4370-9fa7-03d2cd31aabd" ], "05cf8add-b8a2-46cb-9532-a36305d7edc5": [ "b81182e9-9233-4370-9fa7-03d2cd31aabd" ], "1ddde1f2-7990-422d-b590-a8b55510e425": [ "b81182e9-9233-4370-9fa7-03d2cd31aabd" ], "f44edb7a-2e1e-4d28-9ff3-adae967a53d7": [ "b81182e9-9233-4370-9fa7-03d2cd31aabd" ], "94cd7c5f-ab4f-439c-b739-687a1a66964e": [ "b81182e9-9233-4370-9fa7-03d2cd31aabd" ], "1f74e212-d3f9-4a7e-bfa5-50b288b7fbdd": [ "b81182e9-9233-4370-9fa7-03d2cd31aabd" ], "56812059-cf23-4abe-9258-517d2ff98346": [ "b81182e9-9233-4370-9fa7-03d2cd31aabd" ], "29b44ddf-690a-47b9-a7fc-d637f2c18af0": [ "b81182e9-9233-4370-9fa7-03d2cd31aabd" ], "d23c9f92-c418-402b-ba9d-c1985cbf27bf": [ "d450dd2c-e994-477f-97b7-f8d157f4100c" ], "dcd9d2a4-ed5e-4045-afb4-f10866762c6a": [ "d450dd2c-e994-477f-97b7-f8d157f4100c" ], "8c44f895-8db2-4e0c-92e4-ddd083338582": [ "d450dd2c-e994-477f-97b7-f8d157f4100c" ], "1b7bbb45-aa3f-48d7-9a2e-2d8611df6ed7": [ "d450dd2c-e994-477f-97b7-f8d157f4100c" ], "81a6ad2a-3820-446e-877a-107249c14a24": [ "d450dd2c-e994-477f-97b7-f8d157f4100c" ], "d1d7e338-c6ac-4a06-8107-adf20f15355d": [ "d450dd2c-e994-477f-97b7-f8d157f4100c" ], "130d15c7-f19e-48e4-91cb-2fed9330aa80": [ "d450dd2c-e994-477f-97b7-f8d157f4100c" ], "ff44af81-f5de-492f-ac42-e2d1a59958ee": [ "d450dd2c-e994-477f-97b7-f8d157f4100c" ], "514de634-8910-41de-b839-faabaab0b050": [ "d450dd2c-e994-477f-97b7-f8d157f4100c" ], "c3e9e751-3f5c-4f4e-88ed-c62a0c705841": [ "d450dd2c-e994-477f-97b7-f8d157f4100c" ], "41922669-0ef4-4c1a-b95f-771b2aebb584": [ "ec38914a-fdad-43b7-952f-84fc4a6bacf4" ], "27633368-3c6f-4232-96b6-c9bda5483474": [ "ec38914a-fdad-43b7-952f-84fc4a6bacf4" ], "1ea94567-b6e4-41ab-8fff-fabb75c0ba6c": [ "ec38914a-fdad-43b7-952f-84fc4a6bacf4" ], "4023e088-d7b2-446e-9179-a5438c3a6ce7": [ "ec38914a-fdad-43b7-952f-84fc4a6bacf4" ], "17da9fd9-9a9b-435e-9eb6-0427aafeb4d7": [ "ec38914a-fdad-43b7-952f-84fc4a6bacf4" ], "54b2a777-5ddb-42c7-85b1-24b44fac118d": [ "ec38914a-fdad-43b7-952f-84fc4a6bacf4" ], "26f9b1ac-bb05-45c8-9fc1-1121b57d4e39": [ "ec38914a-fdad-43b7-952f-84fc4a6bacf4" ], "29ce6953-b363-428f-96fd-6b305d16838b": [ "ec38914a-fdad-43b7-952f-84fc4a6bacf4" ], "c9fc2c38-7f17-4c74-a892-526e3b171b3c": [ "ec38914a-fdad-43b7-952f-84fc4a6bacf4" ], "d33389f3-d43a-45b8-ae5f-585d54dd24da": [ "ec38914a-fdad-43b7-952f-84fc4a6bacf4" ], "a702863f-2a2c-40da-a44b-991bfeb65f9d": [ "b815a049-ad15-4866-93ad-69583eec2f12" ], "0e3a0998-4190-4ff7-b59f-330a739870aa": [ "b815a049-ad15-4866-93ad-69583eec2f12" ], "43125c00-5448-48e3-a1d5-60088a5e117d": [ "b815a049-ad15-4866-93ad-69583eec2f12" ], "a9ff139b-78db-4c57-9652-9a67ad221a46": [ "b815a049-ad15-4866-93ad-69583eec2f12" ], "aba06a9d-9445-45d6-8912-d87a3fe2a150": [ "b815a049-ad15-4866-93ad-69583eec2f12" ], "de188bdd-a160-49bb-b7a2-e79f74999ecb": [ "b815a049-ad15-4866-93ad-69583eec2f12" ], "d5b81430-96be-44b7-a544-d2755879b2bc": [ "b815a049-ad15-4866-93ad-69583eec2f12" ], "8e57fea2-30b2-4fbb-b476-f6491ecc55bd": [ "b815a049-ad15-4866-93ad-69583eec2f12" ], "30354065-2d18-4202-ad67-6deb4f8a429c": [ "b815a049-ad15-4866-93ad-69583eec2f12" ], "336baadf-053c-4479-aad6-902b8024f506": [ "b815a049-ad15-4866-93ad-69583eec2f12" ], "838c3084-f65e-4be8-b040-8468e0a29251": [ "a714d363-7b55-4fef-8620-68621a86520c" ], "2a26b061-ab91-43a1-939c-67ee0fcd5b94": [ "a714d363-7b55-4fef-8620-68621a86520c" ], "a0a397db-855a-4e56-9fcc-a933f9d1577c": [ "a714d363-7b55-4fef-8620-68621a86520c" ], "b2f926c3-da84-445f-90de-98da8f68a966": [ "a714d363-7b55-4fef-8620-68621a86520c" ], "5d409f4d-b9e2-4d52-aa51-1582b991aaef": [ "a714d363-7b55-4fef-8620-68621a86520c" ], "8896e63e-b3ff-46ea-8aee-69646271b1f6": [ "a714d363-7b55-4fef-8620-68621a86520c" ], "3154b3b8-0f32-4708-b158-f8455ec9310b": [ "a714d363-7b55-4fef-8620-68621a86520c" ], "0a4d2e91-0576-4129-bf19-04779dd04604": [ "a714d363-7b55-4fef-8620-68621a86520c" ], "af56338e-f7a4-4389-87f0-121e60d351eb": [ "a714d363-7b55-4fef-8620-68621a86520c" ], "a9ec6539-5a2d-4624-829f-c130db4f6ea3": [ "a714d363-7b55-4fef-8620-68621a86520c" ], "dc1437f0-7d3c-42d2-b450-f4d8ad9a988f": [ "92c0bd23-f26c-4ebb-8d54-f531efae73ab" ], "c0667e7b-55bc-448c-94d7-afb7116fb5dc": [ "92c0bd23-f26c-4ebb-8d54-f531efae73ab" ], "8709eca9-e0a1-4dee-841b-31c40c1a734d": [ "92c0bd23-f26c-4ebb-8d54-f531efae73ab" ], "ed9cf92f-4df8-4bd2-94ed-50cb16053b87": [ "92c0bd23-f26c-4ebb-8d54-f531efae73ab" ], "a3f67f2b-e28c-4544-a8c7-f92258b871c7": [ "92c0bd23-f26c-4ebb-8d54-f531efae73ab" ], "392a0267-046f-4877-84bb-52372b1ffa38": [ "92c0bd23-f26c-4ebb-8d54-f531efae73ab" ], "d77c8ff0-f2ef-4414-bd76-b7c4b4beb603": [ "92c0bd23-f26c-4ebb-8d54-f531efae73ab" ], "3f9c75b0-f9fb-44d8-ad2c-805b5ea334fa": [ "92c0bd23-f26c-4ebb-8d54-f531efae73ab" ], "9b125fb7-2af9-4d67-83cf-ab741cb28578": [ "92c0bd23-f26c-4ebb-8d54-f531efae73ab" ], "7a1bb1fe-162f-4644-aa97-fab4f2e34591": [ "92c0bd23-f26c-4ebb-8d54-f531efae73ab" ], "eb9dcc94-cb0f-498b-94b4-1bfecf65dd0c": [ "fa4e17a9-05f9-4162-9569-39daf8e60b23" ], "b0b8efd6-17db-44f4-aa42-308463335b61": [ "fa4e17a9-05f9-4162-9569-39daf8e60b23" ], "f9b6051f-4951-49f9-b50b-8b313c97ef15": [ "fa4e17a9-05f9-4162-9569-39daf8e60b23" ], "630b3c5e-7a40-4b21-8f61-275d175beb9c": [ "fa4e17a9-05f9-4162-9569-39daf8e60b23" ], "cd42aa16-64d9-4309-b0e5-b7ba04ab15c3": [ "fa4e17a9-05f9-4162-9569-39daf8e60b23" ], "6de8f65e-7282-4e3c-8e28-6ddce0a9a65d": [ "fa4e17a9-05f9-4162-9569-39daf8e60b23" ], "a29ddad1-0a56-4ea1-bfbb-371e7c560232": [ "fa4e17a9-05f9-4162-9569-39daf8e60b23" ], "1eb72e93-ed11-46a2-98ef-1a5c47056dc6": [ "fa4e17a9-05f9-4162-9569-39daf8e60b23" ], "3e07fdd7-937d-4620-9747-69b416a96365": [ "fa4e17a9-05f9-4162-9569-39daf8e60b23" ], "381fb7e8-d75c-4d7a-87ca-211cb3f57d78": [ "fa4e17a9-05f9-4162-9569-39daf8e60b23" ], "c558b32d-3fcf-4bf5-a62c-eeda1dcbf5af": [ "77610888-9b53-4d87-bc77-2eda5ed83f2e" ], "6ea2febd-2b91-41dd-941b-069588941f1f": [ "77610888-9b53-4d87-bc77-2eda5ed83f2e" ], "179e77bc-9d13-47eb-844d-c30d74ce139a": [ "77610888-9b53-4d87-bc77-2eda5ed83f2e" ], "5b8b03f0-6cbf-454e-8a76-7cef4ba1c822": [ "77610888-9b53-4d87-bc77-2eda5ed83f2e" ], "c9a7c667-d54b-4f36-af4b-1c6f84c7b7ec": [ "77610888-9b53-4d87-bc77-2eda5ed83f2e" ], "8edfaf00-c93d-488f-bc03-ccef84a39028": [ "77610888-9b53-4d87-bc77-2eda5ed83f2e" ], "2b2a0af7-ee0c-4bfa-9b61-96759d8ce5ee": [ "77610888-9b53-4d87-bc77-2eda5ed83f2e" ], "ff4e7208-e941-4658-9cc3-5ffcbb23b143": [ "77610888-9b53-4d87-bc77-2eda5ed83f2e" ], "ad532d53-9372-4220-92cc-fcc2b529fd4b": [ "77610888-9b53-4d87-bc77-2eda5ed83f2e" ], "47af4f52-ff99-4247-a423-79cb5cd8f0b8": [ "77610888-9b53-4d87-bc77-2eda5ed83f2e" ], "aed52eb3-7335-45e2-865e-a6ddefb0a985": [ "6ebc1236-789f-4365-aef4-a02d6cad18c8" ], "7b9f019e-47dc-4bc8-8889-0fb345d14cb2": [ "6ebc1236-789f-4365-aef4-a02d6cad18c8" ], "aaaa4233-c521-40c6-961c-ce92eef1fb4e": [ "6ebc1236-789f-4365-aef4-a02d6cad18c8" ], "9a431dab-0a36-4500-815d-88bc5852613a": [ "6ebc1236-789f-4365-aef4-a02d6cad18c8" ], "310bccff-dc60-4f8c-812d-629636e18140": [ "6ebc1236-789f-4365-aef4-a02d6cad18c8" ], "d9f8066c-6a87-4e76-839f-abb82597dfb4": [ "6ebc1236-789f-4365-aef4-a02d6cad18c8" ], "efdaf0af-d41d-47c1-8639-fc8e032a8065": [ "6ebc1236-789f-4365-aef4-a02d6cad18c8" ], "12e70dfd-a3c2-471d-92fa-619d5506270e": [ "6ebc1236-789f-4365-aef4-a02d6cad18c8" ], "bb708d3d-1237-4e24-886b-3b7a354f408b": [ "6ebc1236-789f-4365-aef4-a02d6cad18c8" ], "2703df05-5631-47ec-99ce-f2210ddd927e": [ "6ebc1236-789f-4365-aef4-a02d6cad18c8" ], "fd218d71-60fd-43c4-8f76-e3e06c604fc8": [ "f2efc088-31ad-4988-9b95-432025ea941d" ], "afd671c9-a1ba-425e-ba0f-d22f27535eca": [ "f2efc088-31ad-4988-9b95-432025ea941d" ], "cf4f3040-9acc-4190-9547-6735c1543fdd": [ "f2efc088-31ad-4988-9b95-432025ea941d" ], "87c114d8-8c7a-49d8-a413-6e68f3a24780": [ "f2efc088-31ad-4988-9b95-432025ea941d" ], "d105d066-af8a-4681-8c19-15b04d36623b": [ "f2efc088-31ad-4988-9b95-432025ea941d" ], "36e48925-94c0-4dad-b0d3-4915554a2f11": [ "f2efc088-31ad-4988-9b95-432025ea941d" ], "8a670267-c542-46a6-837a-fd1435aadec9": [ "f2efc088-31ad-4988-9b95-432025ea941d" ], "8509fdda-1747-4ef0-b2fc-e0e026f5e02c": [ "f2efc088-31ad-4988-9b95-432025ea941d" ], "0ba8ad34-be3e-4017-8936-32473bb6f8da": [ "f2efc088-31ad-4988-9b95-432025ea941d" ], "9c33e5f2-b04e-4a45-9cee-07326df9186b": [ "f2efc088-31ad-4988-9b95-432025ea941d" ], "7c49c254-fce7-47ca-bd7e-f7680818a103": [ "0210fc7e-6bf4-47fa-bcbc-493305d1798b" ], "4fe91e91-8f35-42d2-8044-384f18159de7": [ "0210fc7e-6bf4-47fa-bcbc-493305d1798b" ], "8dc1fbc8-42a0-4023-847a-0974b2456de8": [ "0210fc7e-6bf4-47fa-bcbc-493305d1798b" ], "6dbaeb82-2949-43b9-a1d7-624430bc1a90": [ "0210fc7e-6bf4-47fa-bcbc-493305d1798b" ], "4916f435-44bf-499a-90f9-86199f9e56ad": [ "0210fc7e-6bf4-47fa-bcbc-493305d1798b" ], "563cf73f-6cc2-42a2-8020-04d385e1b995": [ "0210fc7e-6bf4-47fa-bcbc-493305d1798b" ], "d4489fa5-3bd0-40d6-980c-fad0316745da": [ "0210fc7e-6bf4-47fa-bcbc-493305d1798b" ], "f4210efe-ef10-45c5-8c20-57064d4442ac": [ "0210fc7e-6bf4-47fa-bcbc-493305d1798b" ], "5f2de8c5-8689-4e15-b1f4-bb04050d9224": [ "0210fc7e-6bf4-47fa-bcbc-493305d1798b" ], "5bf40a33-9bd1-40b2-bf3a-ec2f75dff17e": [ "0210fc7e-6bf4-47fa-bcbc-493305d1798b" ], "80b8bff3-526b-4175-b15b-b6af9fca6bde": [ "e9296557-618f-414e-a06a-a4d53f7883bc" ], "5d92f5cc-3337-4d85-b146-ef86c0e4ee94": [ "e9296557-618f-414e-a06a-a4d53f7883bc" ], "351cef40-9aa0-4942-b8ef-0a73962a1752": [ "e9296557-618f-414e-a06a-a4d53f7883bc" ], "550e4d02-e8e9-4a65-9428-2c661b929a93": [ "e9296557-618f-414e-a06a-a4d53f7883bc" ], "9c163d56-1407-4917-b292-f51ec593b399": [ "e9296557-618f-414e-a06a-a4d53f7883bc" ], "a81a8baf-5555-40c9-b525-885cd9e6b348": [ "e9296557-618f-414e-a06a-a4d53f7883bc" ], "699ff712-c577-48c4-86a4-b53cfca3ab64": [ "e9296557-618f-414e-a06a-a4d53f7883bc" ], "2e28092c-59b0-4037-b290-5057f8332b14": [ "e9296557-618f-414e-a06a-a4d53f7883bc" ], "ae2f50ed-28bd-452e-aed3-a7fbe3833879": [ "e9296557-618f-414e-a06a-a4d53f7883bc" ], "ce2ab965-e448-4657-b417-c895f78f35c2": [ "e9296557-618f-414e-a06a-a4d53f7883bc" ], "86e2ff16-1f8e-401f-81c5-e63f05190999": [ "c46a7516-119c-4fcf-9f16-4d6c7e73ffe1" ], "ae296d65-1b8a-4bc7-a283-e0200509d00a": [ "c46a7516-119c-4fcf-9f16-4d6c7e73ffe1" ], "71cd2002-903c-4312-b0e1-95942338f71f": [ "c46a7516-119c-4fcf-9f16-4d6c7e73ffe1" ], "55e4a659-c4a5-4eb2-ab92-644b2081fb9a": [ "c46a7516-119c-4fcf-9f16-4d6c7e73ffe1" ], "7d4ef1ee-ce27-42d4-8842-975384763076": [ "c46a7516-119c-4fcf-9f16-4d6c7e73ffe1" ], "03d0ac94-35ff-44e1-aa13-760a3c2af3f2": [ "c46a7516-119c-4fcf-9f16-4d6c7e73ffe1" ], "06bb9b3f-cbae-4586-901f-9125d7161cfc": [ "c46a7516-119c-4fcf-9f16-4d6c7e73ffe1" ], "032dcd52-61c3-443c-82ad-561a0fbabe60": [ "c46a7516-119c-4fcf-9f16-4d6c7e73ffe1" ], "c3f7a7d0-e01a-448f-bb9d-88f078405633": [ "c46a7516-119c-4fcf-9f16-4d6c7e73ffe1" ], "00254f82-9597-4b22-bdcd-751fcf053959": [ "c46a7516-119c-4fcf-9f16-4d6c7e73ffe1" ], "d69a4923-a03a-40ff-bc8f-9638ac34b0cd": [ "090e600d-2481-48aa-b593-54854cb548a4" ], "300f4251-df1e-4fbd-8775-89b8fb0e130a": [ "090e600d-2481-48aa-b593-54854cb548a4" ], "5dde61a9-ec13-45c1-9da1-f782e974755d": [ "090e600d-2481-48aa-b593-54854cb548a4" ], "38a07649-dfd2-49a7-ae21-99b9d01814de": [ "090e600d-2481-48aa-b593-54854cb548a4" ], "9038e8cc-579e-4c63-a298-3a6f237adebd": [ "090e600d-2481-48aa-b593-54854cb548a4" ], "535a705a-2eda-430b-8782-35236945c52c": [ "090e600d-2481-48aa-b593-54854cb548a4" ], "9d905806-c167-465a-bd04-7478de8b8edf": [ "090e600d-2481-48aa-b593-54854cb548a4" ], "cec9ff1b-764d-4906-8ab5-3fb8b18d6ec6": [ "090e600d-2481-48aa-b593-54854cb548a4" ], "ce6f12de-f796-415a-b51b-c9e1d0c8cdc3": [ "090e600d-2481-48aa-b593-54854cb548a4" ], "d5c1cd5c-a02f-4814-8d60-57104165ad60": [ "090e600d-2481-48aa-b593-54854cb548a4" ], "b7444e23-3172-4176-8cb5-60c9db006008": [ "5f387fb7-4571-4d71-ad61-90379f79d978" ], "98a9334a-c95e-423b-b676-885f72534847": [ "5f387fb7-4571-4d71-ad61-90379f79d978" ], "d39d9990-d11d-4e9b-bdea-efbb0dc7986f": [ "5f387fb7-4571-4d71-ad61-90379f79d978" ], "5ece2260-b578-4f82-bf9c-d9ad3903028f": [ "5f387fb7-4571-4d71-ad61-90379f79d978" ], "f1c89787-ad32-48f9-9146-69bc1148d087": [ "5f387fb7-4571-4d71-ad61-90379f79d978" ], "2e2b6909-cf72-4ac3-a751-ff0b4396b95f": [ "5f387fb7-4571-4d71-ad61-90379f79d978" ], "99896743-e850-4071-911b-c34857b3fe47": [ "5f387fb7-4571-4d71-ad61-90379f79d978" ], "11323b4c-ef9c-4765-8aec-ef8eaed457af": [ "5f387fb7-4571-4d71-ad61-90379f79d978" ], "d2bf296a-2def-462a-bef8-bc342636c23e": [ "5f387fb7-4571-4d71-ad61-90379f79d978" ], "b3af3f5a-9f8c-4ef4-bbc0-53658b571927": [ "5f387fb7-4571-4d71-ad61-90379f79d978" ], "16d6a529-a5c3-42c7-a278-43fb850a25d6": [ "a7f69633-0f4d-4336-b253-d8c06621304f" ], "e58f9b56-78b8-491e-b298-914466c2702c": [ "a7f69633-0f4d-4336-b253-d8c06621304f" ], "27f7a15b-da7c-4e58-9961-3661925a6f84": [ "a7f69633-0f4d-4336-b253-d8c06621304f" ], "36bbc2e8-9a2b-4d99-a9e7-0d69ebaa671f": [ "a7f69633-0f4d-4336-b253-d8c06621304f" ], "499eda3e-e24c-46b4-a82b-27e46a699319": [ "a7f69633-0f4d-4336-b253-d8c06621304f" ], "cb364dc3-2da1-4e87-856d-a9975448802e": [ "a7f69633-0f4d-4336-b253-d8c06621304f" ], "63863724-04d3-4527-9f96-28f122d6ed56": [ "a7f69633-0f4d-4336-b253-d8c06621304f" ], "c29df8c1-a7ba-4a91-848b-6c9bb875d5b8": [ "a7f69633-0f4d-4336-b253-d8c06621304f" ], "cf3e0d05-8501-4f3c-8c0e-61f211e86e0a": [ "a7f69633-0f4d-4336-b253-d8c06621304f" ], "f372fb44-d46f-4f97-a6c8-8ab11df8036e": [ "a7f69633-0f4d-4336-b253-d8c06621304f" ], "e34d4e3b-e173-428a-8b7c-5ee9b782bd85": [ "06a56716-b57f-493f-af58-3aee88a33fb6" ], "a486879a-ef01-4930-a515-e3534128647f": [ "06a56716-b57f-493f-af58-3aee88a33fb6" ], "ed0db637-25df-4241-8506-fc41c79ce650": [ "06a56716-b57f-493f-af58-3aee88a33fb6" ], "9b0d9748-8318-454c-b674-d986ce2e3f5e": [ "06a56716-b57f-493f-af58-3aee88a33fb6" ], "55a53db0-4017-4755-903b-c3549f153b1f": [ "06a56716-b57f-493f-af58-3aee88a33fb6" ], "ccd723d8-d9ec-4ad8-ab9f-21afdacee516": [ "06a56716-b57f-493f-af58-3aee88a33fb6" ], "432585c4-31d8-464f-ac67-d56cea8077b9": [ "06a56716-b57f-493f-af58-3aee88a33fb6" ], "6e4f7f58-2e81-4445-94bc-433bfeca0071": [ "06a56716-b57f-493f-af58-3aee88a33fb6" ], "d65be35d-3e01-4632-a028-f491cf3218f3": [ "06a56716-b57f-493f-af58-3aee88a33fb6" ], "c03b342d-18bf-4582-a631-4c03dccb7db4": [ "06a56716-b57f-493f-af58-3aee88a33fb6" ], "f91351f7-2f46-4dfa-ab72-b7ae044b1780": [ "5bd1c4f8-3b51-4e0b-850e-4b73310a1059" ], "67f78f28-a9a3-4fe3-bfe3-a72bf419ca12": [ "5bd1c4f8-3b51-4e0b-850e-4b73310a1059" ], "45ce2d27-1c2b-4604-b74f-1212bfdbe807": [ "5bd1c4f8-3b51-4e0b-850e-4b73310a1059" ], "205b5769-a301-463d-9815-74f978ea6681": [ "5bd1c4f8-3b51-4e0b-850e-4b73310a1059" ], "539decb7-3b2a-484a-b984-d0348de0616d": [ "5bd1c4f8-3b51-4e0b-850e-4b73310a1059" ], "a18a983a-ef06-4d51-8b15-1beda62754a0": [ "5bd1c4f8-3b51-4e0b-850e-4b73310a1059" ], "b7636bf9-3cd9-4575-a80d-1336b2f9dbae": [ "5bd1c4f8-3b51-4e0b-850e-4b73310a1059" ], "24966ebb-92c2-4a77-a65e-409e11d340a1": [ "5bd1c4f8-3b51-4e0b-850e-4b73310a1059" ], "d8998c7c-e232-483e-91e5-43ade132ba65": [ "5bd1c4f8-3b51-4e0b-850e-4b73310a1059" ], "8ec96ef7-5462-4fa8-bd40-4524a4798c85": [ "5bd1c4f8-3b51-4e0b-850e-4b73310a1059" ], "a95505fb-0e97-4eda-80fa-39a3832b1b22": [ "9aa610f5-7320-4dcd-98d1-1a87cb3d60f3" ], "0b531e4b-0a90-4bd2-b700-acd775ed6aeb": [ "9aa610f5-7320-4dcd-98d1-1a87cb3d60f3" ], "adbc4ce5-cfda-4a64-b8e7-803015e8d357": [ "9aa610f5-7320-4dcd-98d1-1a87cb3d60f3" ], "18c7e29b-83a5-40ed-875d-895379f26631": [ "9aa610f5-7320-4dcd-98d1-1a87cb3d60f3" ], "ddef9784-64b1-410f-931b-fc6c561696f1": [ "9aa610f5-7320-4dcd-98d1-1a87cb3d60f3" ], "d35c8526-b6f2-4c1e-84e8-8de0b12f4556": [ "9aa610f5-7320-4dcd-98d1-1a87cb3d60f3" ], "e3bd74d7-5780-475d-a628-02acf94aac8a": [ "9aa610f5-7320-4dcd-98d1-1a87cb3d60f3" ], "2e9e4e07-8fb5-4c62-8222-023881116442": [ "9aa610f5-7320-4dcd-98d1-1a87cb3d60f3" ], "63297ede-f37b-4949-97b6-1a667b982099": [ "9aa610f5-7320-4dcd-98d1-1a87cb3d60f3" ], "5e6ed54b-899c-4feb-8285-4a255d7ee3e6": [ "9aa610f5-7320-4dcd-98d1-1a87cb3d60f3" ], "1da6f2c7-bbb7-4ffb-b54b-5ba9aaa87c85": [ "7d34be51-3cf4-4f29-9975-5b2633661460" ], "3ebb249a-528c-4b01-9574-22a6315d712d": [ "7d34be51-3cf4-4f29-9975-5b2633661460" ], "7f2f654a-32fe-4aff-83d0-9bb68f64fc39": [ "7d34be51-3cf4-4f29-9975-5b2633661460" ], "62f274a8-5490-4fc7-91da-bb46511eaf3d": [ "7d34be51-3cf4-4f29-9975-5b2633661460" ], "df277ebd-a9ae-4d9d-b60d-6e5f427db130": [ "7d34be51-3cf4-4f29-9975-5b2633661460" ], "5f261b32-c28f-474d-a6dc-6d735b0c901b": [ "7d34be51-3cf4-4f29-9975-5b2633661460" ], "e9bec8b6-69c5-4828-ba57-4e87b9a9f53f": [ "7d34be51-3cf4-4f29-9975-5b2633661460" ], "7199e16c-b9f4-4e94-a992-108a949b8488": [ "7d34be51-3cf4-4f29-9975-5b2633661460" ], "63e5552c-bd4c-419d-893e-70513372cb28": [ "7d34be51-3cf4-4f29-9975-5b2633661460" ], "a4711677-d435-454e-8166-0d6c6f77b7aa": [ "7d34be51-3cf4-4f29-9975-5b2633661460" ], "42e5b29b-7909-400b-960a-5d98930c02fb": [ "2d0816ce-ffaf-4b4d-b06b-a46fbe3f6aef" ], "c2d305a5-45a2-428e-9fe2-fe048a6fbf8b": [ "2d0816ce-ffaf-4b4d-b06b-a46fbe3f6aef" ], "52666e3b-702c-454e-ab95-f7b2e14433d3": [ "2d0816ce-ffaf-4b4d-b06b-a46fbe3f6aef" ], "bbcfce56-4e25-4b62-b0d9-7ccf650fbcbf": [ "2d0816ce-ffaf-4b4d-b06b-a46fbe3f6aef" ], "6522ab93-b077-483c-9519-7fb8d3bac61c": [ "2d0816ce-ffaf-4b4d-b06b-a46fbe3f6aef" ], "ffe0acde-da33-42d0-9439-df276f1b0ae4": [ "2d0816ce-ffaf-4b4d-b06b-a46fbe3f6aef" ], "55b2c9d5-5d8b-4687-afe6-d5c353704a6f": [ "2d0816ce-ffaf-4b4d-b06b-a46fbe3f6aef" ], "908eb8c2-a255-4eab-8735-93dc6e8aebaf": [ "2d0816ce-ffaf-4b4d-b06b-a46fbe3f6aef" ], "8206a647-8a52-43ba-918c-906fe3598463": [ "2d0816ce-ffaf-4b4d-b06b-a46fbe3f6aef" ], "c4ad32d7-19d0-453f-a78d-4da6bddcdd5f": [ "2d0816ce-ffaf-4b4d-b06b-a46fbe3f6aef" ], "1e8f2377-301d-4d3e-b063-d365d26fb153": [ "71d466ad-75ba-45aa-85e7-845a4f963acd" ], "44a79c3f-1ef9-42d5-a4af-2df6e07f9af9": [ "71d466ad-75ba-45aa-85e7-845a4f963acd" ], "b3c98a44-51d9-4907-b8d5-7d55ffb9bdbb": [ "71d466ad-75ba-45aa-85e7-845a4f963acd" ], "64b01171-7075-4746-98ee-5a50164fbe89": [ "71d466ad-75ba-45aa-85e7-845a4f963acd" ], "0f959781-ca80-4da6-9670-3c823257ed87": [ "71d466ad-75ba-45aa-85e7-845a4f963acd" ], "616fe1e9-6a72-4856-98d4-66eb1a9c1d0a": [ "71d466ad-75ba-45aa-85e7-845a4f963acd" ], "da844c2f-ddc2-4993-b0b1-2a9a0e5a3630": [ "71d466ad-75ba-45aa-85e7-845a4f963acd" ], "cf7af23c-7337-4e66-ad6e-fe5961e1f3ca": [ "71d466ad-75ba-45aa-85e7-845a4f963acd" ], "5e3cf12b-212e-4626-8e5a-e6fccd1d8c0a": [ "71d466ad-75ba-45aa-85e7-845a4f963acd" ], "ff7f2b3a-3dfa-41f7-b8c6-f39a234130f1": [ "71d466ad-75ba-45aa-85e7-845a4f963acd" ], "a0b81d0a-c701-4339-82df-5c97dd78599f": [ "3bdcc6d0-fddd-4444-8470-8030aa111dc7" ], "60a2c0d6-86cc-4a02-a2b7-2d60e9f7b7c4": [ "3bdcc6d0-fddd-4444-8470-8030aa111dc7" ], "f12c9722-e250-4736-a8cd-0e6190c5d7d8": [ "3bdcc6d0-fddd-4444-8470-8030aa111dc7" ], "44be7005-346d-48b4-a254-8fe8153d2f83": [ "3bdcc6d0-fddd-4444-8470-8030aa111dc7" ], "f3852039-21bf-4f49-b739-1d33a6d94dfb": [ "3bdcc6d0-fddd-4444-8470-8030aa111dc7" ], "0f1d5666-d1cb-4894-811d-61da0ee7946d": [ "3bdcc6d0-fddd-4444-8470-8030aa111dc7" ], "dd9df164-20e3-45be-994e-326c6fa1044f": [ "3bdcc6d0-fddd-4444-8470-8030aa111dc7" ], "abb48374-8cae-45b1-9d1d-28def56e93a3": [ "3bdcc6d0-fddd-4444-8470-8030aa111dc7" ], "43d97c1f-5aed-4cab-be54-7b2a08418f1e": [ "3bdcc6d0-fddd-4444-8470-8030aa111dc7" ], "0bcf2eab-6d2c-473b-9d4c-79a048045a5b": [ "3bdcc6d0-fddd-4444-8470-8030aa111dc7" ], "92676160-9432-4d9a-b73f-8eedef3aac82": [ "09a3ef12-129d-4eb0-ae9f-f91657ce08a0" ], "379b1b4b-a3ba-47eb-a86e-1dc8a0508923": [ "09a3ef12-129d-4eb0-ae9f-f91657ce08a0" ], "c4bde16b-71fb-49e1-95e2-0fb53f82b22a": [ "09a3ef12-129d-4eb0-ae9f-f91657ce08a0" ], "90f381ab-45e9-4dee-b23c-19d8a379d375": [ "09a3ef12-129d-4eb0-ae9f-f91657ce08a0" ], "1a335918-14ec-4478-ab2f-ace18fcc8429": [ "09a3ef12-129d-4eb0-ae9f-f91657ce08a0" ], "dbd7931e-efa1-42c4-b3cb-7d6f5a985273": [ "09a3ef12-129d-4eb0-ae9f-f91657ce08a0" ], "2a8ca921-2acb-4ab7-bc1b-e2e8ae2f1e8a": [ "09a3ef12-129d-4eb0-ae9f-f91657ce08a0" ], "3184ffa4-3237-435c-97ea-4990afc69a8e": [ "09a3ef12-129d-4eb0-ae9f-f91657ce08a0" ], "425ef455-d4c2-4dfb-b8e3-1d6f12a7e30c": [ "09a3ef12-129d-4eb0-ae9f-f91657ce08a0" ], "50d8ad8c-a1b5-4704-86d4-e2b642ad0a53": [ "09a3ef12-129d-4eb0-ae9f-f91657ce08a0" ], "7bc31d62-9308-4a37-aabf-579099aad1d8": [ "b27f50a1-189f-4f73-87a6-cfb506317406" ], "ad733bc5-17df-46a6-836d-0d9b15ac9c31": [ "b27f50a1-189f-4f73-87a6-cfb506317406" ], "1bed1bce-b79f-4bf8-82e5-d3bb88523be8": [ "b27f50a1-189f-4f73-87a6-cfb506317406" ], "02bb65e5-722e-443e-9e4f-88e6a0c5fdf2": [ "b27f50a1-189f-4f73-87a6-cfb506317406" ], "d0742028-1815-4d17-b553-dda981bf24a7": [ "b27f50a1-189f-4f73-87a6-cfb506317406" ], "655b8664-27f7-4c91-a4e1-3694932a80c3": [ "b27f50a1-189f-4f73-87a6-cfb506317406" ], "f754acb2-0fe9-4d24-acbb-b0e22000b92d": [ "b27f50a1-189f-4f73-87a6-cfb506317406" ], "49705d3f-122c-44a5-b240-7e4f5d34f087": [ "b27f50a1-189f-4f73-87a6-cfb506317406" ], "cc97bb32-f8a6-43a7-9af5-004963030927": [ "b27f50a1-189f-4f73-87a6-cfb506317406" ], "54e62a36-d2c4-4ebb-a005-a9a271875ca4": [ "b27f50a1-189f-4f73-87a6-cfb506317406" ], "4f1ac6be-33c9-4646-96d4-2ef1b83df316": [ "e60e05a0-aab6-4205-a20f-86095dc16bc4" ], "36362e6b-a35a-4dc3-b955-fe8b5d5ffc8b": [ "e60e05a0-aab6-4205-a20f-86095dc16bc4" ], "1133f298-20ba-443e-a5ec-8517bfd1b903": [ "e60e05a0-aab6-4205-a20f-86095dc16bc4" ], "413b7229-3bb0-4b8b-8d15-9160390c9e9b": [ "e60e05a0-aab6-4205-a20f-86095dc16bc4" ], "de9ddf21-fa9c-41de-b73c-6ba91cd5ccaa": [ "e60e05a0-aab6-4205-a20f-86095dc16bc4" ], "dd3dea32-4a65-4095-87bf-a5cfec044ce0": [ "e60e05a0-aab6-4205-a20f-86095dc16bc4" ], "d9bf2abe-3e5e-4bed-94e5-bb5a977f36cb": [ "e60e05a0-aab6-4205-a20f-86095dc16bc4" ], "ba5c2ad1-59f5-4441-97dc-cb3e1f91c5db": [ "e60e05a0-aab6-4205-a20f-86095dc16bc4" ], "ea96a8ef-be08-4f00-aed3-545930f3b3ea": [ "e60e05a0-aab6-4205-a20f-86095dc16bc4" ], "fd7c39ef-6f25-41c7-b5c9-ae61bf6549e9": [ "e60e05a0-aab6-4205-a20f-86095dc16bc4" ], "864f0be3-ffc2-4e3f-9082-f8a6c87cc29c": [ "7ee1f3c8-e5f3-465f-89e9-6cf50f9651ed" ], "48a53e83-3f96-4774-8c14-a7b033bb85d0": [ "7ee1f3c8-e5f3-465f-89e9-6cf50f9651ed" ], "b533465e-dbbc-4d1f-82b1-516413a1f324": [ "7ee1f3c8-e5f3-465f-89e9-6cf50f9651ed" ], "d19569fd-97c7-4f9b-9ea0-e5666cd8e7ce": [ "7ee1f3c8-e5f3-465f-89e9-6cf50f9651ed" ], "d40d2837-e026-41c9-b081-131c3d27296b": [ "7ee1f3c8-e5f3-465f-89e9-6cf50f9651ed" ], "1705e952-9563-45c8-9eda-6b73445f40e2": [ "7ee1f3c8-e5f3-465f-89e9-6cf50f9651ed" ], "2d61f173-09ac-4d08-be92-69af92f8b486": [ "7ee1f3c8-e5f3-465f-89e9-6cf50f9651ed" ], "d2e8ca58-6058-4e96-8074-fac7384ec054": [ "7ee1f3c8-e5f3-465f-89e9-6cf50f9651ed" ], "cc4381f5-4cd2-4724-8692-263c2a8fbd93": [ "7ee1f3c8-e5f3-465f-89e9-6cf50f9651ed" ], "c49c20a2-412e-444e-9880-394b6a40ba6e": [ "7ee1f3c8-e5f3-465f-89e9-6cf50f9651ed" ], "cecb5b1c-13da-4ae2-86b1-3f0e6c2aa606": [ "27f4c08d-b0a8-4b4b-bea4-c41c94c60a04" ], "1eb73d67-afca-44af-9876-bc396b248799": [ "27f4c08d-b0a8-4b4b-bea4-c41c94c60a04" ], "0156a143-4f4e-457d-803e-fe63c6f0b820": [ "27f4c08d-b0a8-4b4b-bea4-c41c94c60a04" ], "1bb570e1-189b-44bc-b72f-cd708775a3f0": [ "27f4c08d-b0a8-4b4b-bea4-c41c94c60a04" ], "885a9536-0c72-4fac-936b-04858ecc2960": [ "27f4c08d-b0a8-4b4b-bea4-c41c94c60a04" ], "40928afa-0ecc-4589-8293-ae5eb03b04fd": [ "27f4c08d-b0a8-4b4b-bea4-c41c94c60a04" ], "7c228257-6ea9-4e20-8f34-2eeb73797d7d": [ "27f4c08d-b0a8-4b4b-bea4-c41c94c60a04" ], "e7e1362c-c52d-4d64-907d-e5f9c29a4f60": [ "27f4c08d-b0a8-4b4b-bea4-c41c94c60a04" ], "5b0339ca-2545-4f0f-88c5-0752e2a2733c": [ "27f4c08d-b0a8-4b4b-bea4-c41c94c60a04" ], "b65efc68-a6ae-46f5-8c9b-2df67f536f91": [ "27f4c08d-b0a8-4b4b-bea4-c41c94c60a04" ], "584370e9-69ca-47d3-ae06-ed534599fbc4": [ "839f3691-38e7-40e5-b7b0-806e25a0c78a" ], "e9726124-109c-4687-8eb0-7e7818ca00e1": [ "839f3691-38e7-40e5-b7b0-806e25a0c78a" ], "05c189d2-4cc3-4713-974e-beb8117d3171": [ "839f3691-38e7-40e5-b7b0-806e25a0c78a" ], "01cd0b3e-87e1-4c7d-8b7a-9b35fe5b9372": [ "839f3691-38e7-40e5-b7b0-806e25a0c78a" ], "a0c49dcd-9cfa-4e27-bb15-3cf4c5dddd0f": [ "839f3691-38e7-40e5-b7b0-806e25a0c78a" ], "45b5906d-e7cf-406d-af6b-28540a5401c8": [ "839f3691-38e7-40e5-b7b0-806e25a0c78a" ], "7a5d2ead-bf4b-45db-8bd8-62dc43a230a4": [ "839f3691-38e7-40e5-b7b0-806e25a0c78a" ], "be4f004a-c9ad-4146-b07a-0b5418d7a903": [ "839f3691-38e7-40e5-b7b0-806e25a0c78a" ], "25e80983-5c48-4a12-909a-7b3e59da9489": [ "839f3691-38e7-40e5-b7b0-806e25a0c78a" ], "9b77a40d-59d5-4dbe-9174-45d5c005c54a": [ "839f3691-38e7-40e5-b7b0-806e25a0c78a" ], "12417cb4-5e2b-432b-a876-3596c2bb8484": [ "1090dc70-85fa-40d9-8480-dcd3d9abb384" ], "7367b4c4-0853-4532-b161-613970cdfd1a": [ "1090dc70-85fa-40d9-8480-dcd3d9abb384" ], "a1672537-3f06-4492-b40f-7c1003ea3f84": [ "1090dc70-85fa-40d9-8480-dcd3d9abb384" ], "184d3b50-8c0d-4bce-90c5-0b55b227c08f": [ "1090dc70-85fa-40d9-8480-dcd3d9abb384" ], "e7806d52-1955-4edb-833f-e496839341c9": [ "1090dc70-85fa-40d9-8480-dcd3d9abb384" ], "e905942e-8b70-49d1-9153-cc14b66b10c9": [ "1090dc70-85fa-40d9-8480-dcd3d9abb384" ], "11fea1a8-96dd-48ee-bf0a-5fe5238aa7ef": [ "1090dc70-85fa-40d9-8480-dcd3d9abb384" ], "92848ac2-4424-476a-99fe-a5e853b80f14": [ "1090dc70-85fa-40d9-8480-dcd3d9abb384" ], "6e0a8a2b-05d6-4a40-b7f2-a2d78ddf27c6": [ "1090dc70-85fa-40d9-8480-dcd3d9abb384" ], "dbb21a52-e642-4e8d-80be-b35de3bbcd44": [ "1090dc70-85fa-40d9-8480-dcd3d9abb384" ], "9742f4ea-589a-4c9e-b7e7-702fe46f4f8b": [ "368ac773-d2dc-42df-b4cd-aa2b315f6102" ], "81df21d4-49a4-4d20-8dbb-2ac369e68c65": [ "368ac773-d2dc-42df-b4cd-aa2b315f6102" ], "aa02b85d-5d31-47ef-b33d-aa6b6909dd6d": [ "368ac773-d2dc-42df-b4cd-aa2b315f6102" ], "fe616414-7cea-4ace-b31f-60f609f54330": [ "368ac773-d2dc-42df-b4cd-aa2b315f6102" ], "95b29657-83ee-4718-a211-034e6c81904d": [ "368ac773-d2dc-42df-b4cd-aa2b315f6102" ], "0f7e235f-f672-4e8a-84f8-661a076cdf3c": [ "368ac773-d2dc-42df-b4cd-aa2b315f6102" ], "38f7d93c-2e20-42c7-8df5-340ab64bd8d2": [ "368ac773-d2dc-42df-b4cd-aa2b315f6102" ], "ae1900ae-049f-44c0-ade4-c8836dade2de": [ "368ac773-d2dc-42df-b4cd-aa2b315f6102" ], "0d5da8a4-32a8-4926-97ca-bcc923792b36": [ "368ac773-d2dc-42df-b4cd-aa2b315f6102" ], "9312752b-78df-4d35-b52b-6a1af33f72d3": [ "368ac773-d2dc-42df-b4cd-aa2b315f6102" ], "78d142f3-d896-4a15-b33e-44d2e1a59fb3": [ "bfc66001-4ef8-4e39-9aff-65326e4f1cc0" ], "9cbce69d-87b5-4f44-a029-2ef05bc5ebab": [ "bfc66001-4ef8-4e39-9aff-65326e4f1cc0" ], "fce39613-edf3-45e0-9885-5a3385f9f7bb": [ "bfc66001-4ef8-4e39-9aff-65326e4f1cc0" ], "aeccb616-e3a0-407f-8a06-aea7588b70bb": [ "bfc66001-4ef8-4e39-9aff-65326e4f1cc0" ], "b00d0324-1b9a-4590-a3a1-b10e3c68abc8": [ "bfc66001-4ef8-4e39-9aff-65326e4f1cc0" ], "be7dbfb5-708d-486b-ba99-21f03a0ab49e": [ "bfc66001-4ef8-4e39-9aff-65326e4f1cc0" ], "4e50bfd7-a1a5-44ff-aba0-c8a39aa6d992": [ "bfc66001-4ef8-4e39-9aff-65326e4f1cc0" ], "0302ee10-30f2-4348-ae95-b9d15198487a": [ "bfc66001-4ef8-4e39-9aff-65326e4f1cc0" ], "35cbc33e-1b11-43a2-9363-871f016d0b0a": [ "bfc66001-4ef8-4e39-9aff-65326e4f1cc0" ], "968728f3-bc18-4d4c-99d9-659e55b96403": [ "bfc66001-4ef8-4e39-9aff-65326e4f1cc0" ], "0fe01c64-05ee-4ab7-88dd-fb1327cba0c3": [ "b61b5364-9858-4ba4-b549-f2df98a9206b" ], "032659ff-0641-4405-9da8-9cdc53463a15": [ "b61b5364-9858-4ba4-b549-f2df98a9206b" ], "ec6a0123-543a-4b32-81fa-63af8587a0e9": [ "b61b5364-9858-4ba4-b549-f2df98a9206b" ], "42f555ab-de4d-41cb-8d01-a0f794d1b6d4": [ "b61b5364-9858-4ba4-b549-f2df98a9206b" ], "05517b9c-415c-46b7-97c0-6e77b1ff9199": [ "b61b5364-9858-4ba4-b549-f2df98a9206b" ], "0c074917-30e2-4b8c-be7c-b0a2beaa63b9": [ "b61b5364-9858-4ba4-b549-f2df98a9206b" ], "a47c8f38-07f1-46c9-9b25-41c156f409a2": [ "b61b5364-9858-4ba4-b549-f2df98a9206b" ], "84946462-7d88-4141-85aa-80ea02a276ad": [ "b61b5364-9858-4ba4-b549-f2df98a9206b" ], "72284b3b-2790-4a81-a9c8-89674d17fc01": [ "b61b5364-9858-4ba4-b549-f2df98a9206b" ], "55f89288-9f5a-436a-8c99-66c05181a638": [ "b61b5364-9858-4ba4-b549-f2df98a9206b" ], "c210ec3a-a68d-44ed-a83c-81592bd22702": [ "aa916382-945a-4fad-8b9d-b2272f3c8c73" ], "8ecdf171-2612-4621-aed9-18a0b0a9425f": [ "aa916382-945a-4fad-8b9d-b2272f3c8c73" ], "aea6f8df-1690-4aff-9d08-420d07e8f220": [ "aa916382-945a-4fad-8b9d-b2272f3c8c73" ], "d51a2e64-8369-44a6-8054-d2f8c6719490": [ "aa916382-945a-4fad-8b9d-b2272f3c8c73" ], "b780d955-2c34-49f4-a531-5ca87433825a": [ "aa916382-945a-4fad-8b9d-b2272f3c8c73" ], "4ab87dfb-7102-4cf3-8039-3dc32da43568": [ "aa916382-945a-4fad-8b9d-b2272f3c8c73" ], "196b9dcf-a94a-44c2-ae87-7e79d3f9f059": [ "aa916382-945a-4fad-8b9d-b2272f3c8c73" ], "f709bc89-0886-4ea4-bb84-64d8c3a03b51": [ "aa916382-945a-4fad-8b9d-b2272f3c8c73" ], "b3a0d321-b151-4f3b-9e6c-e1c91d6dceda": [ "aa916382-945a-4fad-8b9d-b2272f3c8c73" ], "4d398428-a8d2-41cb-a570-d591defeee12": [ "aa916382-945a-4fad-8b9d-b2272f3c8c73" ], "a149ee27-6a1b-45ac-87c2-9bd481d7cc8e": [ "6c800731-b368-4b32-8309-571356ce6be7" ], "9b154000-436a-41b1-a60b-7a0134b39976": [ "6c800731-b368-4b32-8309-571356ce6be7" ], "cb785fb0-b7d9-454e-bcd8-46a310b82954": [ "6c800731-b368-4b32-8309-571356ce6be7" ], "66878806-3723-46e2-a80c-05b9cd6c84cd": [ "6c800731-b368-4b32-8309-571356ce6be7" ], "7347afb0-4895-4642-8434-db760fdac9f0": [ "6c800731-b368-4b32-8309-571356ce6be7" ], "4e3d9087-209a-4d98-ac79-3dcd28cde90c": [ "6c800731-b368-4b32-8309-571356ce6be7" ], "aec7c521-fcd7-4f04-9daa-5b0fce13275a": [ "6c800731-b368-4b32-8309-571356ce6be7" ], "eaae9a17-4064-4124-9260-88e523dfd107": [ "6c800731-b368-4b32-8309-571356ce6be7" ], "277b3120-fb85-485c-af83-96145456d59e": [ "6c800731-b368-4b32-8309-571356ce6be7" ], "41183619-7137-4003-b48e-856cd02ce2b6": [ "6c800731-b368-4b32-8309-571356ce6be7" ], "9c4804c6-020c-4fa6-ad01-d3d99c1409aa": [ "d6d3adec-1225-4753-811f-e7b08e3eb3bb" ], "5975b094-7ee8-48a0-b59e-1cc0a850323e": [ "d6d3adec-1225-4753-811f-e7b08e3eb3bb" ], "7ff75d9f-fcdd-45a6-81cf-23fba19fb8c1": [ "d6d3adec-1225-4753-811f-e7b08e3eb3bb" ], "8d4221f7-c8d1-4e21-bd9c-6f00ef38a1f8": [ "d6d3adec-1225-4753-811f-e7b08e3eb3bb" ], "8133254c-4686-42d3-95ef-655ae074f539": [ "d6d3adec-1225-4753-811f-e7b08e3eb3bb" ], "d49e2a90-8274-46b8-bacc-f834ffbe6ffa": [ "d6d3adec-1225-4753-811f-e7b08e3eb3bb" ], "49d0d73d-886c-4c6c-86df-d77da99f1908": [ "d6d3adec-1225-4753-811f-e7b08e3eb3bb" ], "8b58c140-d1bc-419d-a082-20211655f2c9": [ "d6d3adec-1225-4753-811f-e7b08e3eb3bb" ], "afd8f58e-d29f-4100-9cff-ba39ea9a601c": [ "d6d3adec-1225-4753-811f-e7b08e3eb3bb" ], "3d4e9414-12c4-4c11-8eca-469140095dc7": [ "d6d3adec-1225-4753-811f-e7b08e3eb3bb" ], "af5975c9-36f7-4ae8-bc9a-3e7404a6d2f3": [ "cf4e3e11-70f4-437e-b0bc-300cdfa9f151" ], "fb4c995f-8568-43fd-808f-49f06a569fbc": [ "cf4e3e11-70f4-437e-b0bc-300cdfa9f151" ], "bb8467df-4d47-43eb-afdb-9932b49de720": [ "cf4e3e11-70f4-437e-b0bc-300cdfa9f151" ], "d04b34f1-343c-4146-8565-15da48c0420b": [ "cf4e3e11-70f4-437e-b0bc-300cdfa9f151" ], "542db19d-5d4f-48f4-8bba-9155386f7154": [ "cf4e3e11-70f4-437e-b0bc-300cdfa9f151" ], "85df2dd4-b040-4f41-9d67-378452460189": [ "cf4e3e11-70f4-437e-b0bc-300cdfa9f151" ], "0351e916-82a9-4c99-99f8-abc658d50e88": [ "cf4e3e11-70f4-437e-b0bc-300cdfa9f151" ], "c555b5dc-b731-4160-b99a-acec09701cd4": [ "cf4e3e11-70f4-437e-b0bc-300cdfa9f151" ], "33aaa539-8c8d-4e47-a902-a35fe29e44c8": [ "cf4e3e11-70f4-437e-b0bc-300cdfa9f151" ], "813cec3d-94bd-4a83-bcfd-9bfc55afe904": [ "cf4e3e11-70f4-437e-b0bc-300cdfa9f151" ], "ea4d8001-92b7-419a-9d2d-7123c3c38506": [ "1f870839-820d-4a4d-8a69-71c89899ee52" ], "adc738d1-8b66-4dc9-b13c-560cbc19a510": [ "1f870839-820d-4a4d-8a69-71c89899ee52" ], "d9a604a7-ebfb-4fda-b356-aecf738a311b": [ "1f870839-820d-4a4d-8a69-71c89899ee52" ], "88f94279-259e-48ab-aecb-2e8c9b6afa48": [ "1f870839-820d-4a4d-8a69-71c89899ee52" ], "fac30b8a-1cdb-4acf-a62a-a916548f6090": [ "1f870839-820d-4a4d-8a69-71c89899ee52" ], "08ca405f-c230-4366-851f-a14daaafadf8": [ "1f870839-820d-4a4d-8a69-71c89899ee52" ], "b483c663-e40f-4442-a415-cc2b6a4fdf50": [ "1f870839-820d-4a4d-8a69-71c89899ee52" ], "0502a258-9d39-488a-bc44-17a60d913391": [ "1f870839-820d-4a4d-8a69-71c89899ee52" ], "7818c7fa-84df-4f07-8136-f251134f12ab": [ "1f870839-820d-4a4d-8a69-71c89899ee52" ], "db1cf811-7ed7-4103-9b97-45a8809e7106": [ "1f870839-820d-4a4d-8a69-71c89899ee52" ], "ab65cd4c-461e-4f5b-8c08-db7b18c14cb0": [ "73872e08-aa8c-49eb-b96f-4ec1e748533b" ], "8af7d8ca-6a64-4220-949c-0810409b8e8f": [ "73872e08-aa8c-49eb-b96f-4ec1e748533b" ], "50e66247-1255-4fee-8edc-1378599769f1": [ "73872e08-aa8c-49eb-b96f-4ec1e748533b" ], "be3c9b4a-a69c-4ba5-ad4f-bac1c9db5608": [ "73872e08-aa8c-49eb-b96f-4ec1e748533b" ], "3bd6c53b-74a5-4936-9923-80af83a26cd8": [ "73872e08-aa8c-49eb-b96f-4ec1e748533b" ], "ec1f7f92-76f5-47a5-9452-105c3a069365": [ "73872e08-aa8c-49eb-b96f-4ec1e748533b" ], "eaa9de9c-2345-415a-a8fb-53500bcbdd5b": [ "73872e08-aa8c-49eb-b96f-4ec1e748533b" ], "3c639e89-eeb5-491c-a63d-79a906cc3239": [ "73872e08-aa8c-49eb-b96f-4ec1e748533b" ], "376250ac-4fbd-4790-9c59-6c1ba54ab00d": [ "73872e08-aa8c-49eb-b96f-4ec1e748533b" ], "7835a089-8e0c-478e-90c5-0190ff0cdeb7": [ "73872e08-aa8c-49eb-b96f-4ec1e748533b" ], "28f695a5-6e39-40dc-a38a-f0d2861ef969": [ "5c649491-fea7-4678-8576-d71821e117a5" ], "a7555fb8-aafe-4d5d-bf09-10e3bcae15e5": [ "5c649491-fea7-4678-8576-d71821e117a5" ], "b4c440e1-2183-4df9-8f09-b95590a42bca": [ "5c649491-fea7-4678-8576-d71821e117a5" ], "9b7f2462-d706-4453-bbbf-76ff066df762": [ "5c649491-fea7-4678-8576-d71821e117a5" ], "4fb49a0c-d0a3-4f0f-8ead-3de709cc48df": [ "5c649491-fea7-4678-8576-d71821e117a5" ], "4ebf6352-103e-41cc-bdc6-1fb259a88e82": [ "5c649491-fea7-4678-8576-d71821e117a5" ], "606011f8-5524-4a10-a06a-1319fe0340dc": [ "5c649491-fea7-4678-8576-d71821e117a5" ], "6c844899-5b05-41af-8475-82056ec92961": [ "5c649491-fea7-4678-8576-d71821e117a5" ], "ea50a836-26bd-45c8-8d52-3913401dc4ae": [ "5c649491-fea7-4678-8576-d71821e117a5" ], "f1e13a61-b61b-404d-8e2a-2182b5535c8e": [ "5c649491-fea7-4678-8576-d71821e117a5" ], "8563f1d1-01d8-4b3a-b51f-589f79a5c13a": [ "f25b2220-0fef-480d-a016-1064f4b69e2f" ], "18fbc425-54ea-41ac-9992-f8868203b792": [ "f25b2220-0fef-480d-a016-1064f4b69e2f" ], "ddd46be5-cf08-464e-a905-28b7d784b57b": [ "f25b2220-0fef-480d-a016-1064f4b69e2f" ], "bc0a4460-f9fb-4259-9c9f-b9bf25e1b067": [ "f25b2220-0fef-480d-a016-1064f4b69e2f" ], "f401293a-20ba-4e25-9a6f-0e2c704db9e9": [ "f25b2220-0fef-480d-a016-1064f4b69e2f" ], "a683bfae-e01d-4aee-be48-0d5dc606bb1b": [ "f25b2220-0fef-480d-a016-1064f4b69e2f" ], "399fdeaf-7877-4b30-9a5c-410624469310": [ "f25b2220-0fef-480d-a016-1064f4b69e2f" ], "210a1919-e0cd-475e-b5f0-ab0ba1af8c56": [ "f25b2220-0fef-480d-a016-1064f4b69e2f" ], "cf7f351d-5331-452c-944e-907ba7035133": [ "f25b2220-0fef-480d-a016-1064f4b69e2f" ], "631b84a5-6d95-49df-97c3-590cfc8d905e": [ "f25b2220-0fef-480d-a016-1064f4b69e2f" ], "289f4130-852a-4526-b827-5c3c89b7c81c": [ "ab479c1f-1224-459b-86ee-9b508882d422" ], "4c11d140-50cb-46b1-b89f-002e7634d7aa": [ "ab479c1f-1224-459b-86ee-9b508882d422" ], "c7e184f0-010f-4a83-9be6-920251b0988a": [ "ab479c1f-1224-459b-86ee-9b508882d422" ], "223e2f86-7be0-4233-9b02-3915abde5286": [ "ab479c1f-1224-459b-86ee-9b508882d422" ], "38e865d2-839e-43d6-b85d-f02c647c2927": [ "ab479c1f-1224-459b-86ee-9b508882d422" ], "4558ca19-7053-4d18-b2f2-7efb902c7755": [ "ab479c1f-1224-459b-86ee-9b508882d422" ], "53d20a60-3ce5-483a-b83d-a10fb40370e9": [ "ab479c1f-1224-459b-86ee-9b508882d422" ], "52964d23-a5bc-4ec9-992a-8048a168d0f1": [ "ab479c1f-1224-459b-86ee-9b508882d422" ], "564d642b-7043-42dd-b342-861b9538028b": [ "ab479c1f-1224-459b-86ee-9b508882d422" ], "0ccdabc2-0e98-4cae-9d4e-8f0dd39eea75": [ "ab479c1f-1224-459b-86ee-9b508882d422" ], "596cd6c0-73f2-4039-8b63-1931be5a32cf": [ "c8fc9bf3-6010-4d36-9b32-ae7f7c3a7f90" ], "aa30a5c1-7026-40c2-8fae-0ac78d985b46": [ "c8fc9bf3-6010-4d36-9b32-ae7f7c3a7f90" ], "98daac58-e28c-4e38-a517-dd869c416b7d": [ "c8fc9bf3-6010-4d36-9b32-ae7f7c3a7f90" ], "153e49d6-65f3-49f9-851f-eacb60a3d95c": [ "c8fc9bf3-6010-4d36-9b32-ae7f7c3a7f90" ], "64c30e9c-9ec3-4416-acbc-b5b3fd5ced15": [ "c8fc9bf3-6010-4d36-9b32-ae7f7c3a7f90" ], "311c04d5-2510-4ba6-a92a-35772814c552": [ "c8fc9bf3-6010-4d36-9b32-ae7f7c3a7f90" ], "375c6375-77fb-4fd8-b7d5-9c7da061a3a9": [ "c8fc9bf3-6010-4d36-9b32-ae7f7c3a7f90" ], "b61686d9-fd18-412d-8ace-d06f115b404a": [ "c8fc9bf3-6010-4d36-9b32-ae7f7c3a7f90" ], "2c36aea8-eabb-4043-b80c-a74ba282d943": [ "c8fc9bf3-6010-4d36-9b32-ae7f7c3a7f90" ], "16b816dd-d746-4450-b999-0f93a6680864": [ "c8fc9bf3-6010-4d36-9b32-ae7f7c3a7f90" ], "5fb60da2-46e5-4210-8213-315c220fa44c": [ "0bc08266-6f68-47b9-bd79-57cab5d908a9" ], "6569c5ad-f21e-41f9-a6aa-f8f9af4334cb": [ "0bc08266-6f68-47b9-bd79-57cab5d908a9" ], "45f4448d-3329-4b52-883e-49ef97d9eaae": [ "0bc08266-6f68-47b9-bd79-57cab5d908a9" ], "4327c8f9-a74f-493b-a005-91752d5f4e2a": [ "0bc08266-6f68-47b9-bd79-57cab5d908a9" ], "38a6e953-4864-4d30-a081-c4532c0f2ad7": [ "0bc08266-6f68-47b9-bd79-57cab5d908a9" ], "a4bf4afd-be24-47ca-a959-6539504b374a": [ "0bc08266-6f68-47b9-bd79-57cab5d908a9" ], "5070f2d2-cbbb-4724-ad82-8702575d110b": [ "0bc08266-6f68-47b9-bd79-57cab5d908a9" ], "5cb5b2fd-6417-452e-9c30-93f8a8cdd375": [ "0bc08266-6f68-47b9-bd79-57cab5d908a9" ], "65b7a4e4-ccaf-4b1d-b23c-4e0092793628": [ "0bc08266-6f68-47b9-bd79-57cab5d908a9" ], "12dbc920-6669-411a-838c-7ecb0097c836": [ "0bc08266-6f68-47b9-bd79-57cab5d908a9" ], "0e25577e-6abe-4520-a217-a10477649b9f": [ "d57c581f-afad-4913-8705-7366b31be832" ], "50aba196-4680-4028-b83a-0994613684a6": [ "d57c581f-afad-4913-8705-7366b31be832" ], "a1d689e9-2a12-460d-85f7-94c884f3cd1d": [ "d57c581f-afad-4913-8705-7366b31be832" ], "83bada2c-1daa-4a32-b39d-32f221bf8bca": [ "d57c581f-afad-4913-8705-7366b31be832" ], "9107924d-de30-41b3-8ab3-a6a1916ac99e": [ "d57c581f-afad-4913-8705-7366b31be832" ], "9694a2b8-b892-48de-b996-3ab25eb867c5": [ "d57c581f-afad-4913-8705-7366b31be832" ], "726a0697-4092-4d16-bf63-98a026c69929": [ "d57c581f-afad-4913-8705-7366b31be832" ], "d6ae5282-b835-4c09-be6e-a062dc08f0c6": [ "d57c581f-afad-4913-8705-7366b31be832" ], "732242b0-7d84-463b-8c25-f3b61d1d3e8a": [ "d57c581f-afad-4913-8705-7366b31be832" ], "626c2c61-f128-46ef-a974-4486fbddf794": [ "d57c581f-afad-4913-8705-7366b31be832" ], "33285c83-b76c-4b9e-aad3-8d078702a5a4": [ "79173905-7259-46db-9e42-1de9e9c33972" ], "06723cb4-c5a5-4768-a2d0-e205136ab7ba": [ "79173905-7259-46db-9e42-1de9e9c33972" ], "1c7827ba-0a70-4d11-b0c6-7c532b3bbabe": [ "79173905-7259-46db-9e42-1de9e9c33972" ], "0540efd5-9b49-4422-9656-d3820b7d90ae": [ "79173905-7259-46db-9e42-1de9e9c33972" ], "3ebd0532-e145-4f9c-bce0-151e13b7942f": [ "79173905-7259-46db-9e42-1de9e9c33972" ], "796e5ae5-9328-4345-a6c6-04cfa47c3074": [ "79173905-7259-46db-9e42-1de9e9c33972" ], "a30e7a4d-521e-4281-876c-ccfca2311f99": [ "79173905-7259-46db-9e42-1de9e9c33972" ], "69e4b615-1afa-49ec-a622-a4acfc7abfd0": [ "79173905-7259-46db-9e42-1de9e9c33972" ], "b0d79045-8a71-451b-9b7e-be9c1f9b4f7a": [ "79173905-7259-46db-9e42-1de9e9c33972" ], "b7c4b451-0b65-43b9-bf63-a25d91e2ae2f": [ "79173905-7259-46db-9e42-1de9e9c33972" ], "7073e59e-08bf-40bb-b47a-73a28a6a77af": [ "b32a358a-79ff-467d-a030-30d8368778bc" ], "e3fc6700-ba6a-4814-bf0c-eaf57160046f": [ "b32a358a-79ff-467d-a030-30d8368778bc" ], "bdc0f77a-02b9-4d60-a80d-feac2fa2e774": [ "b32a358a-79ff-467d-a030-30d8368778bc" ], "0f24b930-9643-48e1-a9eb-7a88aff2478c": [ "b32a358a-79ff-467d-a030-30d8368778bc" ], "e06a0cb5-73e3-456d-9b92-da86accb5c36": [ "b32a358a-79ff-467d-a030-30d8368778bc" ], "15149b2e-5822-4701-b256-96919b13982f": [ "b32a358a-79ff-467d-a030-30d8368778bc" ], "2da197a9-3094-443d-90f4-22e68ddeec00": [ "b32a358a-79ff-467d-a030-30d8368778bc" ], "4e380671-c9d3-4515-859d-c951e5a0c99b": [ "b32a358a-79ff-467d-a030-30d8368778bc" ], "8a6367b6-dfaa-4391-87e4-9b4e378d0c9c": [ "b32a358a-79ff-467d-a030-30d8368778bc" ], "934f9fec-ef6f-46c9-a6fb-41b033e1cfc4": [ "b32a358a-79ff-467d-a030-30d8368778bc" ], "07450d5a-ef35-4a44-8a7d-0dcaf4ccbccc": [ "1e6de872-8c9a-4f50-95af-0bfa633b247f" ], "0cd8a222-df4b-4dfb-b857-536f78cba6aa": [ "1e6de872-8c9a-4f50-95af-0bfa633b247f" ], "f5751a6b-2f3e-4258-810c-c137fd188da5": [ "1e6de872-8c9a-4f50-95af-0bfa633b247f" ], "c5747c18-72e0-48a2-9a59-a38192a484f1": [ "1e6de872-8c9a-4f50-95af-0bfa633b247f" ], "c3ae7a84-9596-4aa2-8dc8-ac40f6bac552": [ "1e6de872-8c9a-4f50-95af-0bfa633b247f" ], "cb11d5f6-96c0-4089-851f-2dff2957fdb9": [ "1e6de872-8c9a-4f50-95af-0bfa633b247f" ], "4b68e909-485a-4c43-9a87-db068e4db558": [ "1e6de872-8c9a-4f50-95af-0bfa633b247f" ], "69bd753e-6fbd-40f0-a95e-26ae360cf12a": [ "1e6de872-8c9a-4f50-95af-0bfa633b247f" ], "64b87c7e-e8ff-4313-8680-a4a24e20a349": [ "1e6de872-8c9a-4f50-95af-0bfa633b247f" ], "30e9b9c8-baee-470e-8277-c042f13eed14": [ "1e6de872-8c9a-4f50-95af-0bfa633b247f" ], "87ceaeae-136c-404d-bb8d-371d3211e448": [ "2934fe6e-591b-4e93-8a40-dc88de1a1423" ], "6dc994b5-f47e-4910-a865-ba581a7c909b": [ "2934fe6e-591b-4e93-8a40-dc88de1a1423" ], "a7bdffe3-8e36-4a97-8a24-686b7a1b4044": [ "2934fe6e-591b-4e93-8a40-dc88de1a1423" ], "3f735187-0a14-440d-8fe9-f67af6919546": [ "2934fe6e-591b-4e93-8a40-dc88de1a1423" ], "99351528-8149-4f7c-a600-02a81d7f89e5": [ "2934fe6e-591b-4e93-8a40-dc88de1a1423" ], "b4683110-9cbf-452d-af8b-c9e6b4cc69c0": [ "2934fe6e-591b-4e93-8a40-dc88de1a1423" ], "95828b29-8092-4003-9b87-5c2750f96d45": [ "2934fe6e-591b-4e93-8a40-dc88de1a1423" ], "2bd7ef16-2250-4355-827c-5ca0f7081f00": [ "2934fe6e-591b-4e93-8a40-dc88de1a1423" ], "e4b3de50-3637-4189-9a13-b249a212c009": [ "2934fe6e-591b-4e93-8a40-dc88de1a1423" ], "8dbf8149-58f2-4888-95e0-40a685238114": [ "2934fe6e-591b-4e93-8a40-dc88de1a1423" ], "eb752d91-ac74-47b0-a344-1b2498c47078": [ "0790ae2a-f3bd-4628-8654-52e908247a7b" ], "a0609e24-e74b-4a88-aa06-b67f1fef8517": [ "0790ae2a-f3bd-4628-8654-52e908247a7b" ], "20da4f31-c342-4759-b487-4d0fc6181e24": [ "0790ae2a-f3bd-4628-8654-52e908247a7b" ], "9dd8010c-b67c-4cfd-ac75-860154a37281": [ "0790ae2a-f3bd-4628-8654-52e908247a7b" ], "83b611d8-8a2d-43df-8c2b-ab5eb2df7aad": [ "0790ae2a-f3bd-4628-8654-52e908247a7b" ], "4c18a4cb-5906-4d43-b92c-533b8ab9220d": [ "0790ae2a-f3bd-4628-8654-52e908247a7b" ], "d02fda2a-4466-4495-88ca-b23b071abc6a": [ "0790ae2a-f3bd-4628-8654-52e908247a7b" ], "97c32add-9115-4f27-904b-45d46667671e": [ "0790ae2a-f3bd-4628-8654-52e908247a7b" ], "1e6e5634-6b21-4a1e-9bc1-93d3f9809022": [ "0790ae2a-f3bd-4628-8654-52e908247a7b" ], "9c12f9cc-fa46-47f0-b3e5-8c28d8a87117": [ "0790ae2a-f3bd-4628-8654-52e908247a7b" ], "06a467e7-1eb1-4576-b9d8-186f5fdbc0e2": [ "b3643be1-a2a2-47d6-8369-9a7a4282f0c9" ], "be7ba32d-addf-4881-9c70-8a6472a82746": [ "b3643be1-a2a2-47d6-8369-9a7a4282f0c9" ], "247d44e2-b01d-49d8-8f89-a474515d6c89": [ "b3643be1-a2a2-47d6-8369-9a7a4282f0c9" ], "97f53b4f-147b-4e95-8d1f-fd5a5b6df2e4": [ "b3643be1-a2a2-47d6-8369-9a7a4282f0c9" ], "4b9767c2-bc03-45be-9fef-0c8c92d1f875": [ "b3643be1-a2a2-47d6-8369-9a7a4282f0c9" ], "132e1d7f-b499-4ab7-a47a-b35d28f76ef3": [ "b3643be1-a2a2-47d6-8369-9a7a4282f0c9" ], "4176a651-fd3c-44d8-a8bc-9a531617d98c": [ "b3643be1-a2a2-47d6-8369-9a7a4282f0c9" ], "b09e1cab-5cf5-405b-8b77-e23be086d189": [ "b3643be1-a2a2-47d6-8369-9a7a4282f0c9" ], "37ab35f2-2d9c-4f42-9f94-5ad987dd0a16": [ "b3643be1-a2a2-47d6-8369-9a7a4282f0c9" ], "8baf989f-bbb4-43de-9984-fdcedab6715e": [ "b3643be1-a2a2-47d6-8369-9a7a4282f0c9" ], "3c9090d3-cc0c-44be-9c76-c76996b23505": [ "d0b5b3db-669f-4bc6-be75-1c8608427c00" ], "4e45476a-69d1-4576-ae50-c5235a207763": [ "d0b5b3db-669f-4bc6-be75-1c8608427c00" ], "837a62ca-3222-4a52-bab0-726370a445bf": [ "d0b5b3db-669f-4bc6-be75-1c8608427c00" ], "4be744c8-9f7d-445f-9255-e5dc0b06fb97": [ "d0b5b3db-669f-4bc6-be75-1c8608427c00" ], "01f9fef0-5316-440b-aae1-7303cb95323a": [ "d0b5b3db-669f-4bc6-be75-1c8608427c00" ], "2f03e894-5cd3-45fa-a292-f714a4d826e6": [ "d0b5b3db-669f-4bc6-be75-1c8608427c00" ], "cbb55936-7fa2-49e2-9c3a-51447eb55b98": [ "d0b5b3db-669f-4bc6-be75-1c8608427c00" ], "c1e202ed-aef3-46be-abe8-798f96412d40": [ "d0b5b3db-669f-4bc6-be75-1c8608427c00" ], "0cbad756-dbc5-42f1-a1a5-92edd24c182c": [ "d0b5b3db-669f-4bc6-be75-1c8608427c00" ], "b4991edd-59fe-4355-afc1-2c0481c8d430": [ "d0b5b3db-669f-4bc6-be75-1c8608427c00" ], "efe30fd0-76ef-4bf9-b00a-c4789d258317": [ "5f6dae70-8565-4656-9494-d0f822bb6d3c" ], "fe0b044c-d106-42fc-9b30-38192ea953d7": [ "5f6dae70-8565-4656-9494-d0f822bb6d3c" ], "8077836c-7155-41cd-bc84-7ef820eb9aa2": [ "5f6dae70-8565-4656-9494-d0f822bb6d3c" ], "824e2112-e718-4cd6-8f0a-0eb81d68e6a7": [ "5f6dae70-8565-4656-9494-d0f822bb6d3c" ], "7b024d9b-89ff-4705-a095-8d205fadb987": [ "5f6dae70-8565-4656-9494-d0f822bb6d3c" ], "9ccb4228-bd4e-4d47-8aa5-4c6fb0c3e390": [ "5f6dae70-8565-4656-9494-d0f822bb6d3c" ], "bc9f1618-96d6-4bdd-9236-aa42e095b27f": [ "5f6dae70-8565-4656-9494-d0f822bb6d3c" ], "375883a5-dcf9-40be-b488-f22fe540dca4": [ "5f6dae70-8565-4656-9494-d0f822bb6d3c" ], "f2f800c0-14b8-468e-83a8-64aba77276df": [ "5f6dae70-8565-4656-9494-d0f822bb6d3c" ], "736a8c65-221d-4884-bb54-3df142b1f868": [ "5f6dae70-8565-4656-9494-d0f822bb6d3c" ], "f7b6fb1c-4df9-4348-ad5a-5510087ee802": [ "4ff42a49-9d30-477e-bb53-37c5cf806309" ], "1d7085ab-55c2-446b-8dae-6f3912eabc8b": [ "4ff42a49-9d30-477e-bb53-37c5cf806309" ], "32cb2468-59d0-4812-b5bb-70c245560306": [ "4ff42a49-9d30-477e-bb53-37c5cf806309" ], "75f3a3e2-42d2-4b65-a612-31796f57fc88": [ "4ff42a49-9d30-477e-bb53-37c5cf806309" ], "1f17c8a5-2937-4958-ac03-3f6875e2c3e6": [ "4ff42a49-9d30-477e-bb53-37c5cf806309" ], "43638824-139a-42d4-ae59-d0315abec476": [ "4ff42a49-9d30-477e-bb53-37c5cf806309" ], "480d435a-c66a-4eb6-888c-9583b9e084c6": [ "4ff42a49-9d30-477e-bb53-37c5cf806309" ], "6f9e5ada-dd08-47b0-ac69-9bcb8eb795e6": [ "4ff42a49-9d30-477e-bb53-37c5cf806309" ], "84194e14-a587-46c5-a36f-7b84bbbb06a3": [ "4ff42a49-9d30-477e-bb53-37c5cf806309" ], "fd5bd4ef-ded7-4932-8d5e-14d50494d620": [ "4ff42a49-9d30-477e-bb53-37c5cf806309" ], "339d5f22-447f-4398-8312-1962fe9ec345": [ "af000585-36ba-49ad-a95e-89e85da51aed" ], "d0a63082-dcbb-4cdf-8ff2-5444a6226ed0": [ "af000585-36ba-49ad-a95e-89e85da51aed" ], "197dc2b0-ef73-42d1-be5e-721c488ebd84": [ "af000585-36ba-49ad-a95e-89e85da51aed" ], "38cf847a-a9dc-4add-87e3-b77863a6050b": [ "af000585-36ba-49ad-a95e-89e85da51aed" ], "9184cae4-0ec3-4854-828b-be7977614c16": [ "af000585-36ba-49ad-a95e-89e85da51aed" ], "6118f1f5-a3f2-4a45-9eb0-546aa6ce3710": [ "af000585-36ba-49ad-a95e-89e85da51aed" ], "c5ba0054-408a-4020-b667-faa3907bdcc6": [ "af000585-36ba-49ad-a95e-89e85da51aed" ], "cdfc6f33-1356-495d-ae1e-6bc24acf6eb1": [ "af000585-36ba-49ad-a95e-89e85da51aed" ], "42c0c139-5da4-428a-8a00-4db06a7dfcff": [ "af000585-36ba-49ad-a95e-89e85da51aed" ], "5fdbda84-d379-4ea3-9d39-5f6b8a7f9157": [ "af000585-36ba-49ad-a95e-89e85da51aed" ], "45b82c79-24c0-4134-84fe-c84d67dcb25b": [ "2f4f872a-6735-4e88-a6a6-4d80328d837b" ], "b63bfe94-3393-48d0-9aed-1ceb42bd5cb0": [ "2f4f872a-6735-4e88-a6a6-4d80328d837b" ], "b171ca01-b176-47e1-a2b4-f628187d1578": [ "2f4f872a-6735-4e88-a6a6-4d80328d837b" ], "2c5a3b70-9560-40b8-9f94-27b02fc2f9fb": [ "2f4f872a-6735-4e88-a6a6-4d80328d837b" ], "096d6b69-5190-44fe-92ab-dae4ac14fb0d": [ "2f4f872a-6735-4e88-a6a6-4d80328d837b" ], "20247074-682e-4e90-af06-f323a3436e0c": [ "2f4f872a-6735-4e88-a6a6-4d80328d837b" ], "f3597e79-fbcd-442d-9aae-7d158f330fea": [ "2f4f872a-6735-4e88-a6a6-4d80328d837b" ], "2ca61947-3af6-4a42-b778-47585d537b36": [ "2f4f872a-6735-4e88-a6a6-4d80328d837b" ], "ad64c6dd-3c2b-41a5-901f-2e8fbe05c005": [ "2f4f872a-6735-4e88-a6a6-4d80328d837b" ], "122e0f13-911b-4161-b4df-af6776ec5010": [ "2f4f872a-6735-4e88-a6a6-4d80328d837b" ], "fb2d53cf-9eb3-454e-ab42-8ba179923e89": [ "eef66da6-d132-46ce-8f72-2def01ef262e" ], "9df69765-14d5-4d10-bb01-7c9240a0f25e": [ "eef66da6-d132-46ce-8f72-2def01ef262e" ], "24d9b863-6895-4c30-8d9a-629e7ec8534f": [ "eef66da6-d132-46ce-8f72-2def01ef262e" ], "08dc28ed-7754-413a-b38b-bcb8113baf70": [ "eef66da6-d132-46ce-8f72-2def01ef262e" ], "2e6bde04-9516-4a96-96d9-b3790b008af0": [ "eef66da6-d132-46ce-8f72-2def01ef262e" ], "4d6b1182-e26d-44e3-bdef-9f1206824ffd": [ "eef66da6-d132-46ce-8f72-2def01ef262e" ], "2525988a-4e07-44ca-8cf3-8758eb150f66": [ "eef66da6-d132-46ce-8f72-2def01ef262e" ], "431b38b4-2252-4e9b-847e-906f50d30a32": [ "eef66da6-d132-46ce-8f72-2def01ef262e" ], "d1a66bc5-a691-45df-accf-0f212fd3eb82": [ "eef66da6-d132-46ce-8f72-2def01ef262e" ], "1f400f66-8a8b-4a9e-bc2d-4a6af349ebc1": [ "eef66da6-d132-46ce-8f72-2def01ef262e" ], "e5d06678-4bb1-42bb-9d7a-839c8d23e63a": [ "ae09ee02-41b9-425c-a9b4-bfb6a86dd31a" ], "9bb2f95d-e746-4fdb-a921-eead59aa2c9d": [ "ae09ee02-41b9-425c-a9b4-bfb6a86dd31a" ], "e7fa430e-050c-4c6a-aaa8-e984ced93c08": [ "ae09ee02-41b9-425c-a9b4-bfb6a86dd31a" ], "7c92ce5a-0f31-42fc-baf5-885b8a665a59": [ "ae09ee02-41b9-425c-a9b4-bfb6a86dd31a" ], "1d8ba40b-f08b-483a-b647-dac993e35126": [ "ae09ee02-41b9-425c-a9b4-bfb6a86dd31a" ], "0dfe7d4d-627a-493a-b4c6-28de9e90bc6e": [ "ae09ee02-41b9-425c-a9b4-bfb6a86dd31a" ], "b38fd60e-f0db-4b74-a2fc-6a349a1e8e34": [ "ae09ee02-41b9-425c-a9b4-bfb6a86dd31a" ], "5e8dc3e9-5a6a-44de-b4c0-3a9e87e06b0d": [ "ae09ee02-41b9-425c-a9b4-bfb6a86dd31a" ], "648d1b88-a780-48ae-8089-c47e0b84c1c3": [ "ae09ee02-41b9-425c-a9b4-bfb6a86dd31a" ], "ba9bb11b-4506-43b7-9e0c-866ec680da98": [ "ae09ee02-41b9-425c-a9b4-bfb6a86dd31a" ], "28cdb26c-620c-4225-a805-f6aa67893552": [ "f9060662-1085-441c-a040-f993caa3363e" ], "f53a5ae9-3c29-4629-ad2f-52ef33cad527": [ "f9060662-1085-441c-a040-f993caa3363e" ], "05d49d79-3fb5-4138-91c1-e1ab56e58eaa": [ "f9060662-1085-441c-a040-f993caa3363e" ], "5b9c49df-56e5-4949-8a5a-b74b9e804eac": [ "f9060662-1085-441c-a040-f993caa3363e" ], "090845b8-f33f-41ec-b686-780a2c3a8faa": [ "f9060662-1085-441c-a040-f993caa3363e" ], "4e424191-94a9-4c41-a2c9-ad23c97235f3": [ "f9060662-1085-441c-a040-f993caa3363e" ], "02f62ee4-ef93-4fae-8642-042c44740710": [ "f9060662-1085-441c-a040-f993caa3363e" ], "2949803d-dfc0-48f0-a7f1-795b475aa526": [ "f9060662-1085-441c-a040-f993caa3363e" ], "53b5398e-788d-4bb3-8319-4bfd4163bd3a": [ "f9060662-1085-441c-a040-f993caa3363e" ], "f530bd4b-e94f-4c68-b080-1de40931c10b": [ "f9060662-1085-441c-a040-f993caa3363e" ], "acc2fdff-40d5-417a-aa25-1dddf58ae88c": [ "b59ba21a-3cfd-4b06-9255-d16136fa8de8" ], "64b664c2-88f9-4341-98a3-4f63c1e9611c": [ "b59ba21a-3cfd-4b06-9255-d16136fa8de8" ], "c350b29b-b5f5-4933-ad69-66ad1af6797c": [ "b59ba21a-3cfd-4b06-9255-d16136fa8de8" ], "2a2712f2-6d40-47b2-bcf4-de7015181829": [ "b59ba21a-3cfd-4b06-9255-d16136fa8de8" ], "ce9aaad5-5a99-4668-aba3-47a6af327994": [ "b59ba21a-3cfd-4b06-9255-d16136fa8de8" ], "ed297410-0386-4cc5-a0f9-788bf0e806be": [ "b59ba21a-3cfd-4b06-9255-d16136fa8de8" ], "08f37cb0-ccbb-4ef0-9ebf-c2b30961734a": [ "b59ba21a-3cfd-4b06-9255-d16136fa8de8" ], "3a2ca1e2-2f36-4cdc-81d1-78f7e603f6e5": [ "b59ba21a-3cfd-4b06-9255-d16136fa8de8" ], "11472f71-c4af-4bc0-a0c4-6ef413348819": [ "b59ba21a-3cfd-4b06-9255-d16136fa8de8" ], "c510d152-808b-40e9-94a3-27d9d68bba27": [ "b59ba21a-3cfd-4b06-9255-d16136fa8de8" ], "07ec6c19-0862-4d3c-ae02-d670197ea06b": [ "357b7655-b8ed-4f3d-b3f7-c4d5ed95adce" ], "a785da81-6937-4391-b64d-f6e66e63b27a": [ "357b7655-b8ed-4f3d-b3f7-c4d5ed95adce" ], "3f97600f-2a65-4189-b0b1-370a944bb555": [ "357b7655-b8ed-4f3d-b3f7-c4d5ed95adce" ], "bf64af87-9faa-4648-809b-8ab2c8ec00fc": [ "357b7655-b8ed-4f3d-b3f7-c4d5ed95adce" ], "4ab3ae84-914e-4977-a9f8-3179ebca62df": [ "357b7655-b8ed-4f3d-b3f7-c4d5ed95adce" ], "71c5d638-74bc-4f91-9926-e53754d30185": [ "357b7655-b8ed-4f3d-b3f7-c4d5ed95adce" ], "bbec547a-7ba7-4b21-ac8d-7f6db5c378c7": [ "357b7655-b8ed-4f3d-b3f7-c4d5ed95adce" ], "80c7345c-95ff-4978-9be5-154726058f75": [ "357b7655-b8ed-4f3d-b3f7-c4d5ed95adce" ], "77c29cde-2635-47a0-9ada-f9ed396ad75e": [ "357b7655-b8ed-4f3d-b3f7-c4d5ed95adce" ], "d9ba080a-19c2-4aa2-a3e9-5128f9145c78": [ "357b7655-b8ed-4f3d-b3f7-c4d5ed95adce" ], "0456a17a-1c53-4278-ae55-f06ad9067853": [ "e554b810-20c1-4865-921a-72b0e4969d87" ], "29fdb7c7-62f5-43cd-b6be-b222ab8e3fee": [ "e554b810-20c1-4865-921a-72b0e4969d87" ], "b3dec327-b86c-4759-946c-84dfed076406": [ "e554b810-20c1-4865-921a-72b0e4969d87" ], "77ba3882-9d23-4a46-9606-1fa3103babc8": [ "e554b810-20c1-4865-921a-72b0e4969d87" ], "d56d6762-c6b7-46d1-a499-5d3a96c209b8": [ "e554b810-20c1-4865-921a-72b0e4969d87" ], "0111d7e1-eff1-4673-af35-972eb66de6b9": [ "e554b810-20c1-4865-921a-72b0e4969d87" ], "a695a8df-f9a2-4054-8a63-30a2837ca9f3": [ "e554b810-20c1-4865-921a-72b0e4969d87" ], "f3bb5ef3-6e07-406c-ada3-58d182cf94b0": [ "e554b810-20c1-4865-921a-72b0e4969d87" ], "c9042a48-0c0d-4d0a-a1da-f18893d11431": [ "e554b810-20c1-4865-921a-72b0e4969d87" ], "9b2e0f8b-33c6-42da-b847-745f5c406202": [ "e554b810-20c1-4865-921a-72b0e4969d87" ], "8a254aa4-1602-4462-a2bb-0825a55adbcf": [ "9312a3b6-d172-47d1-b6a3-e6ae0464e41d" ], "6d4dc1cf-e751-493b-b94b-01f35367e9ae": [ "9312a3b6-d172-47d1-b6a3-e6ae0464e41d" ], "8c329cb7-6515-4bd6-882d-4d0794182855": [ "9312a3b6-d172-47d1-b6a3-e6ae0464e41d" ], "a84c7754-12d8-4b60-9805-708a505b11a6": [ "9312a3b6-d172-47d1-b6a3-e6ae0464e41d" ], "425d9c3c-2e95-4415-ac11-ca0b4b6c66ef": [ "9312a3b6-d172-47d1-b6a3-e6ae0464e41d" ], "3e250a37-251a-4b12-8aef-3dfd919402bf": [ "9312a3b6-d172-47d1-b6a3-e6ae0464e41d" ], "cd4e9c99-9cb3-4c06-bddc-3be21ff625f4": [ "9312a3b6-d172-47d1-b6a3-e6ae0464e41d" ], "6d4f57d3-8ba9-49e2-b746-3473f8eb405e": [ "9312a3b6-d172-47d1-b6a3-e6ae0464e41d" ], "b9235831-94d2-40d5-a63d-3dfdbd1197fb": [ "9312a3b6-d172-47d1-b6a3-e6ae0464e41d" ], "174569af-28e7-40b1-aad3-870bf9a4005f": [ "9312a3b6-d172-47d1-b6a3-e6ae0464e41d" ], "6d0c5a41-1a3d-493d-8296-4612b8bc2ac1": [ "b79f6f74-6dc9-44eb-9d48-d87f973b1361" ], "45aad434-0d42-4d6f-b8b2-d9887406bc09": [ "b79f6f74-6dc9-44eb-9d48-d87f973b1361" ], "cd1c93f6-8aeb-46fd-b506-1b3672335953": [ "b79f6f74-6dc9-44eb-9d48-d87f973b1361" ], "29761067-333c-4918-86fb-4d1f37e4a415": [ "b79f6f74-6dc9-44eb-9d48-d87f973b1361" ], "1ecbff25-356c-4723-b990-c8ea5ce6d595": [ "b79f6f74-6dc9-44eb-9d48-d87f973b1361" ], "eb2f3471-df8c-4110-b584-cc4dfef22604": [ "b79f6f74-6dc9-44eb-9d48-d87f973b1361" ], "54eac326-a9b0-4f52-a663-5e44829e3ab9": [ "b79f6f74-6dc9-44eb-9d48-d87f973b1361" ], "b497916e-f5d0-46bf-8d4e-d500d61f0413": [ "b79f6f74-6dc9-44eb-9d48-d87f973b1361" ], "1aa6b042-5236-4b07-9f45-b99b818d7ec0": [ "b79f6f74-6dc9-44eb-9d48-d87f973b1361" ], "f1762f91-1fc8-4484-bd03-3ee5f2629ff8": [ "b79f6f74-6dc9-44eb-9d48-d87f973b1361" ], "f349b8c3-2c25-4c6d-98b2-ce3091e3d4d7": [ "8385ab2b-7416-4c39-9d36-c76cbd1729b0" ], "482eeeb6-a7f9-4fb9-b577-2432fb330564": [ "8385ab2b-7416-4c39-9d36-c76cbd1729b0" ], "f5d73165-a639-428d-95aa-9eae49b94832": [ "8385ab2b-7416-4c39-9d36-c76cbd1729b0" ], "8e4946b9-8779-4c8b-847f-585cff909927": [ "8385ab2b-7416-4c39-9d36-c76cbd1729b0" ], "61f823e2-944b-4547-a6bb-8db84523442e": [ "8385ab2b-7416-4c39-9d36-c76cbd1729b0" ], "4ad7f334-c3fd-43ee-a2d1-771454b212d6": [ "8385ab2b-7416-4c39-9d36-c76cbd1729b0" ], "47fbc8e1-dd5b-4a29-989b-51387b6fb69d": [ "8385ab2b-7416-4c39-9d36-c76cbd1729b0" ], "b51ff46d-18d4-431b-94d3-1b588c43e634": [ "8385ab2b-7416-4c39-9d36-c76cbd1729b0" ], "a6917f30-6f13-484b-af27-082911e430d2": [ "8385ab2b-7416-4c39-9d36-c76cbd1729b0" ], "58483332-ca7b-4e8e-a4c6-0d1218282381": [ "8385ab2b-7416-4c39-9d36-c76cbd1729b0" ], "8527625f-c7bf-437b-8b6e-bfb0e6604894": [ "f640d715-86a5-4456-99d4-445e53e786b1" ], "305b97e2-2749-424e-978f-c30118b07a50": [ "f640d715-86a5-4456-99d4-445e53e786b1" ], "d004e916-52bd-4655-a594-a5f13224a7bf": [ "f640d715-86a5-4456-99d4-445e53e786b1" ], "a23cfe0d-3cc3-49df-a7ad-799869bc2d03": [ "f640d715-86a5-4456-99d4-445e53e786b1" ], "6352bbb6-3be1-491d-b297-aea32ed0a467": [ "f640d715-86a5-4456-99d4-445e53e786b1" ], "0dfe2b6b-a58a-476a-b3fe-7325f34cdcc9": [ "f640d715-86a5-4456-99d4-445e53e786b1" ], "7632520f-26b6-4844-9387-82d6f57ca990": [ "f640d715-86a5-4456-99d4-445e53e786b1" ], "01f2d8cd-75a3-4859-baf4-7d312d9c8e92": [ "f640d715-86a5-4456-99d4-445e53e786b1" ], "44cf0fe8-0947-4009-905e-8dc163b0ba88": [ "f640d715-86a5-4456-99d4-445e53e786b1" ], "d263f821-4b75-44df-ab7e-d13335fefa02": [ "f640d715-86a5-4456-99d4-445e53e786b1" ], "5b97a586-12fd-4d98-8e9a-b2c05d24b6e6": [ "28d52a30-4698-4a7b-9ba0-55c317c4ca53" ], "0dd305bd-1409-4c77-92ea-2acd79ca3398": [ "28d52a30-4698-4a7b-9ba0-55c317c4ca53" ], "b3b90d99-655e-46ef-bd8b-30c91cdab2fb": [ "28d52a30-4698-4a7b-9ba0-55c317c4ca53" ], "35a7c25d-d2be-4b38-9c12-afb859f60ed8": [ "28d52a30-4698-4a7b-9ba0-55c317c4ca53" ], "c1c2c3f2-3f2d-4d85-8c95-c2b23319f196": [ "28d52a30-4698-4a7b-9ba0-55c317c4ca53" ], "e7f5a4de-1503-4eaa-bea7-54f9945b4d3a": [ "28d52a30-4698-4a7b-9ba0-55c317c4ca53" ], "bd814131-d808-48f9-ba6d-680cd6ab01fd": [ "28d52a30-4698-4a7b-9ba0-55c317c4ca53" ], "1374b695-cf52-4636-864a-731d9e1bfafc": [ "28d52a30-4698-4a7b-9ba0-55c317c4ca53" ], "7dfd0980-bfc3-47e0-9b58-6937005096e7": [ "28d52a30-4698-4a7b-9ba0-55c317c4ca53" ], "5ea47ff5-305b-47c3-a0a9-ece0d70eda39": [ "28d52a30-4698-4a7b-9ba0-55c317c4ca53" ], "94301bce-facb-432f-a4af-799c19cc342c": [ "db969a43-ef41-4cd6-a1df-4bd1db4a6cd8" ], "09d2080d-1448-453e-9004-eec3080c16c0": [ "db969a43-ef41-4cd6-a1df-4bd1db4a6cd8" ], "405f1579-f90c-4a82-b330-fb601605c57c": [ "db969a43-ef41-4cd6-a1df-4bd1db4a6cd8" ], "9df79871-d577-4b6c-bf1d-28c86b6931f1": [ "db969a43-ef41-4cd6-a1df-4bd1db4a6cd8" ], "90171362-8dff-4b74-a826-039f31f3b0ac": [ "db969a43-ef41-4cd6-a1df-4bd1db4a6cd8" ], "5faf1c0b-d97e-44bf-af6b-fcc536d63c9f": [ "db969a43-ef41-4cd6-a1df-4bd1db4a6cd8" ], "d2f8accd-5163-403a-b519-e7a121ad5765": [ "db969a43-ef41-4cd6-a1df-4bd1db4a6cd8" ], "17ca03fe-7c54-4af8-8303-46b6593175ee": [ "db969a43-ef41-4cd6-a1df-4bd1db4a6cd8" ], "483b96e6-c800-4105-a692-03e6c712d1f9": [ "db969a43-ef41-4cd6-a1df-4bd1db4a6cd8" ], "f3366a86-506c-4627-b496-ae5031adcfb9": [ "db969a43-ef41-4cd6-a1df-4bd1db4a6cd8" ], "e387e324-62eb-41e9-bb66-5a22ee2ca41e": [ "1b1403d4-e3eb-4b9e-b98e-999c6982011e" ], "12b3955a-05c7-40ab-a1c2-5457f97e02e7": [ "1b1403d4-e3eb-4b9e-b98e-999c6982011e" ], "b2f16427-e185-4028-a09b-73eb3dadbe59": [ "1b1403d4-e3eb-4b9e-b98e-999c6982011e" ], "9f29d0c3-7e57-4a25-8983-053851b61d4a": [ "1b1403d4-e3eb-4b9e-b98e-999c6982011e" ], "7199bfa3-8ded-4284-8372-e1153727ec80": [ "1b1403d4-e3eb-4b9e-b98e-999c6982011e" ], "c9d0fe1a-1607-47df-b194-4e7ed01c7501": [ "1b1403d4-e3eb-4b9e-b98e-999c6982011e" ], "68946dca-efeb-4938-ba77-51587b6482c8": [ "1b1403d4-e3eb-4b9e-b98e-999c6982011e" ], "d266528f-005d-410e-91dc-54794b941861": [ "1b1403d4-e3eb-4b9e-b98e-999c6982011e" ], "829256bb-c878-4cc9-8133-eea812312117": [ "1b1403d4-e3eb-4b9e-b98e-999c6982011e" ], "81aaaf9f-3e66-4768-92ae-1483bdeab9f7": [ "1b1403d4-e3eb-4b9e-b98e-999c6982011e" ], "90610c71-3448-4a0f-97f8-ea94871030a9": [ "dc669a89-8110-4ebb-8ad3-c53ecb78a989" ], "0a31cb64-8877-445b-9cfe-39a6d942698e": [ "dc669a89-8110-4ebb-8ad3-c53ecb78a989" ], "c63098bc-f0f0-41bb-9a0a-54cfd5a1f0f1": [ "dc669a89-8110-4ebb-8ad3-c53ecb78a989" ], "bdd9fd50-e10b-46fe-83a1-23799f27b7eb": [ "dc669a89-8110-4ebb-8ad3-c53ecb78a989" ], "6a33a227-3d9d-445b-bda2-b67b9c7d6062": [ "dc669a89-8110-4ebb-8ad3-c53ecb78a989" ], "27a4c0ca-ceea-495a-80a4-1da331e42b45": [ "dc669a89-8110-4ebb-8ad3-c53ecb78a989" ], "490a9bec-3cb9-4895-88e0-d11202d2a421": [ "dc669a89-8110-4ebb-8ad3-c53ecb78a989" ], "43921f73-33cf-4462-823e-1c3f4079f136": [ "dc669a89-8110-4ebb-8ad3-c53ecb78a989" ], "7febd8db-f75f-4323-aa02-bf746bd1668e": [ "dc669a89-8110-4ebb-8ad3-c53ecb78a989" ], "86f28c21-ee26-4105-931b-dcbcd194c2a3": [ "dc669a89-8110-4ebb-8ad3-c53ecb78a989" ], "39893960-1a0d-4bfe-bf0b-e658ae395400": [ "a07fc740-ea05-424f-ab41-cf1bd25ff6b8" ], "84c39fa3-95e8-41cb-8dd6-d5898f1f52a1": [ "a07fc740-ea05-424f-ab41-cf1bd25ff6b8" ], "b321c141-aa4f-475b-9aa2-5966f495e677": [ "a07fc740-ea05-424f-ab41-cf1bd25ff6b8" ], "d7fa1c1e-0613-4c89-8938-78525441cb6b": [ "a07fc740-ea05-424f-ab41-cf1bd25ff6b8" ], "486e8afb-dde2-471c-8f66-10f29ac5253e": [ "a07fc740-ea05-424f-ab41-cf1bd25ff6b8" ], "73c723bf-5d69-4bf4-a042-88abbf4a1f09": [ "a07fc740-ea05-424f-ab41-cf1bd25ff6b8" ], "4ca48a6c-e3cd-4d1c-a391-59c0c1901df3": [ "a07fc740-ea05-424f-ab41-cf1bd25ff6b8" ], "49c92148-5d83-4e93-a9f8-8e9deb2c52b7": [ "a07fc740-ea05-424f-ab41-cf1bd25ff6b8" ], "edc381d4-60c0-4fbd-9b24-be5ab4c4deb6": [ "a07fc740-ea05-424f-ab41-cf1bd25ff6b8" ], "0f9548ef-b005-4401-b2e6-456c03ed6b96": [ "a07fc740-ea05-424f-ab41-cf1bd25ff6b8" ], "f0a5029a-bf8a-4e0d-b31b-8f056900d988": [ "570a202f-f172-4ca1-9a0c-e29de38038f8" ], "e05e3352-c971-4680-b967-6075b4a19010": [ "570a202f-f172-4ca1-9a0c-e29de38038f8" ], "46cbc658-67dd-49f0-b9f6-9e22af73147c": [ "570a202f-f172-4ca1-9a0c-e29de38038f8" ], "0ab22f4e-eb0d-4004-a80e-b4ad8d29fa03": [ "570a202f-f172-4ca1-9a0c-e29de38038f8" ], "49fca338-ee9c-4ef9-8985-02f29b53e95d": [ "570a202f-f172-4ca1-9a0c-e29de38038f8" ], "3fc0ed09-d921-4cba-bc94-11177dd4ff86": [ "570a202f-f172-4ca1-9a0c-e29de38038f8" ], "be43f630-48a8-4ada-bf0e-9d5b1acca922": [ "570a202f-f172-4ca1-9a0c-e29de38038f8" ], "7f8716fd-ab48-4c98-bbbe-494d5da6262a": [ "570a202f-f172-4ca1-9a0c-e29de38038f8" ], "9a763335-26b1-420d-86a9-469d0d798908": [ "570a202f-f172-4ca1-9a0c-e29de38038f8" ], "4985c03a-75ca-4999-bf87-760f5c225420": [ "570a202f-f172-4ca1-9a0c-e29de38038f8" ], "6abb279f-e23d-4c48-ac9a-cbb5fbd4b947": [ "e931d323-5b3e-4f2f-8eba-acd658979b3a" ], "6e625691-6836-4de5-a5b1-8370a052fe4e": [ "e931d323-5b3e-4f2f-8eba-acd658979b3a" ], "008c48f7-f03b-44af-af90-6dbed03533a7": [ "e931d323-5b3e-4f2f-8eba-acd658979b3a" ], "68891adf-8f63-4c4e-846f-9aa139f1b034": [ "e931d323-5b3e-4f2f-8eba-acd658979b3a" ], "742c3935-b56b-4a19-9399-780821e6a856": [ "e931d323-5b3e-4f2f-8eba-acd658979b3a" ], "ab196383-9f1a-40d4-8829-44002b0a23fa": [ "e931d323-5b3e-4f2f-8eba-acd658979b3a" ], "b2b05915-840f-4ddb-b0f0-85069687771e": [ "e931d323-5b3e-4f2f-8eba-acd658979b3a" ], "39fcd085-cdeb-4790-a8b8-11fee5752946": [ "e931d323-5b3e-4f2f-8eba-acd658979b3a" ], "16fe3569-e3da-4a2a-aadf-dc84abed850a": [ "e931d323-5b3e-4f2f-8eba-acd658979b3a" ], "3807b2a4-1ca8-4fb4-ae42-796afbd85bbb": [ "e931d323-5b3e-4f2f-8eba-acd658979b3a" ], "35b055b3-f387-41d5-b936-591348ab8011": [ "244b9f07-f3d4-4754-9e05-f60385e3625d" ], "5ceb050e-884c-4f35-9e05-5524c33c4a7e": [ "244b9f07-f3d4-4754-9e05-f60385e3625d" ], "0da2ee5e-1a19-457c-b033-475148d28838": [ "244b9f07-f3d4-4754-9e05-f60385e3625d" ], "b11392a1-f71d-4205-95a3-4a08f4166cf2": [ "244b9f07-f3d4-4754-9e05-f60385e3625d" ], "7d11a3ef-ac6f-482e-9dc1-4ec374c0078a": [ "244b9f07-f3d4-4754-9e05-f60385e3625d" ], "050e8831-8067-4a63-9362-30fbc7beea23": [ "244b9f07-f3d4-4754-9e05-f60385e3625d" ], "72118c3b-c7b3-45ec-a9da-b505adc97397": [ "244b9f07-f3d4-4754-9e05-f60385e3625d" ], "521d57d6-6f5d-4d94-bc1e-171da420a498": [ "244b9f07-f3d4-4754-9e05-f60385e3625d" ], "e8647ee0-7388-4e63-bf95-68347a7f6c7e": [ "244b9f07-f3d4-4754-9e05-f60385e3625d" ], "c9c00f8f-15ad-4755-8996-25f464b0ae68": [ "244b9f07-f3d4-4754-9e05-f60385e3625d" ], "0f599782-0b48-41b1-9aaf-0a1b00fdee8c": [ "94196534-1ffd-4223-b7ca-e9ffbd77967e" ], "d41d6e90-ec23-415b-8a71-b4cdf6bfcd95": [ "94196534-1ffd-4223-b7ca-e9ffbd77967e" ], "69c65048-0d6d-4a75-895f-9a6202b6ba24": [ "94196534-1ffd-4223-b7ca-e9ffbd77967e" ], "96bdb249-abe9-4907-86ae-d463621c66fb": [ "94196534-1ffd-4223-b7ca-e9ffbd77967e" ], "f2168285-525d-4b04-842a-ba2f11e7bf5f": [ "94196534-1ffd-4223-b7ca-e9ffbd77967e" ], "4e99ae16-aa18-42a8-8203-6063518527df": [ "94196534-1ffd-4223-b7ca-e9ffbd77967e" ], "76e8e93c-4e2d-48bb-b82c-e5a171fa517e": [ "94196534-1ffd-4223-b7ca-e9ffbd77967e" ], "1c788175-15cb-480f-b6d0-29f49779366a": [ "94196534-1ffd-4223-b7ca-e9ffbd77967e" ], "26acc306-7415-4ed3-bf1c-9dc4e8eb22dc": [ "94196534-1ffd-4223-b7ca-e9ffbd77967e" ], "25e36029-c203-41f8-8fd7-7e495e3fb6c9": [ "94196534-1ffd-4223-b7ca-e9ffbd77967e" ], "c7796b82-b435-42cf-be2d-3e4e47d627bb": [ "069d927c-c662-4235-9860-e459abb53bde" ], "deb60c51-ebc1-49ed-b739-5b7d74ca2d82": [ "069d927c-c662-4235-9860-e459abb53bde" ], "61c451be-957e-4832-a263-70f37c56f6ce": [ "069d927c-c662-4235-9860-e459abb53bde" ], "412e1ad0-8932-4294-85cf-dc3e3a84e799": [ "069d927c-c662-4235-9860-e459abb53bde" ], "6f286fa4-6a85-4c80-8bdf-90989b7d2d5b": [ "069d927c-c662-4235-9860-e459abb53bde" ], "e08121dc-f3e8-40e2-8089-1ec0a1225f4f": [ "069d927c-c662-4235-9860-e459abb53bde" ], "de9611ea-f7c8-4795-b34a-03cb11d0182c": [ "069d927c-c662-4235-9860-e459abb53bde" ], "ad42164b-cf7f-451d-a31e-1837fb055c00": [ "069d927c-c662-4235-9860-e459abb53bde" ], "b2e3d88d-fd0b-49e1-98bb-44a57016b849": [ "069d927c-c662-4235-9860-e459abb53bde" ], "ff9e484a-4281-4bea-9f06-54bd0c30a9d2": [ "069d927c-c662-4235-9860-e459abb53bde" ], "1623215b-0c69-482e-ace1-690919bcf593": [ "0c7aef09-ab93-4e07-99f9-3534fdec2c17" ], "f539adcd-7988-46cd-88d3-fe464f7e66b3": [ "0c7aef09-ab93-4e07-99f9-3534fdec2c17" ], "ad052c12-64d9-4492-adcd-ba8e63ad4e04": [ "0c7aef09-ab93-4e07-99f9-3534fdec2c17" ], "badb0aca-d875-43be-9415-03990f332954": [ "0c7aef09-ab93-4e07-99f9-3534fdec2c17" ], "2626bbde-40ac-4b76-8b5a-f830817cb607": [ "0c7aef09-ab93-4e07-99f9-3534fdec2c17" ], "b8235c71-2dc8-4b3c-9a15-0e39d9b591d0": [ "0c7aef09-ab93-4e07-99f9-3534fdec2c17" ], "6e297102-ebc6-42fd-8941-d4e1376a2d3f": [ "0c7aef09-ab93-4e07-99f9-3534fdec2c17" ], "f52674bb-1cc5-43e4-9f63-a52a60a7b7f8": [ "0c7aef09-ab93-4e07-99f9-3534fdec2c17" ], "f6b2ba08-db3a-44dc-bcd2-116e73b625e4": [ "0c7aef09-ab93-4e07-99f9-3534fdec2c17" ], "75b5c28b-25a8-4465-b9cc-ae91c919c181": [ "0c7aef09-ab93-4e07-99f9-3534fdec2c17" ], "a57f2be1-eea9-453d-8518-7a69080bfe20": [ "cba47c48-66b1-4395-9ceb-848b13cf6759" ], "1868a59c-6df5-4da1-8de0-0bea1f0e32c5": [ "cba47c48-66b1-4395-9ceb-848b13cf6759" ], "c3917ed3-ea3e-4c9e-be3f-1de8498d4eff": [ "cba47c48-66b1-4395-9ceb-848b13cf6759" ], "f30b74dd-87dd-464d-9291-a39a6c95916d": [ "cba47c48-66b1-4395-9ceb-848b13cf6759" ], "acf66ac0-74fb-440f-98bd-31aa7de399b7": [ "cba47c48-66b1-4395-9ceb-848b13cf6759" ], "cf64670d-d6ef-4c0b-97a1-f059853cb918": [ "cba47c48-66b1-4395-9ceb-848b13cf6759" ], "f986b1ec-f184-42ff-b578-455e7ecc7817": [ "cba47c48-66b1-4395-9ceb-848b13cf6759" ], "2829043a-40d8-44e2-9de9-1aad25e869d4": [ "cba47c48-66b1-4395-9ceb-848b13cf6759" ], "413b5a05-de4e-4d2c-a651-1cf998f82d83": [ "cba47c48-66b1-4395-9ceb-848b13cf6759" ], "b75a890a-9559-4ad1-a62f-dd8ecf83a022": [ "cba47c48-66b1-4395-9ceb-848b13cf6759" ], "6bb0de07-d286-45ca-9890-e7953a44c48e": [ "37b7a764-1ad0-4a04-82f1-9b6c42c18dd6" ], "34a3e1db-a467-47d1-86ed-86d96399888e": [ "37b7a764-1ad0-4a04-82f1-9b6c42c18dd6" ], "f8e08272-e99e-4a7d-83e7-fbc03ee79046": [ "37b7a764-1ad0-4a04-82f1-9b6c42c18dd6" ], "2b8ed170-9e41-406c-ad9b-84165f2d7c71": [ "37b7a764-1ad0-4a04-82f1-9b6c42c18dd6" ], "4e93a1f4-bcc9-4c91-a240-7e63efcd5493": [ "37b7a764-1ad0-4a04-82f1-9b6c42c18dd6" ], "3e4ba5d6-c2ed-49cf-8d82-95418998b1bb": [ "37b7a764-1ad0-4a04-82f1-9b6c42c18dd6" ], "509cc1ca-7e3a-47f8-9dcc-12f43b014edb": [ "37b7a764-1ad0-4a04-82f1-9b6c42c18dd6" ], "1b4df0aa-0dce-4161-b7c8-b12e29a4695a": [ "37b7a764-1ad0-4a04-82f1-9b6c42c18dd6" ], "d8788b38-32f9-4853-9ada-5944a20c854f": [ "37b7a764-1ad0-4a04-82f1-9b6c42c18dd6" ], "f869ba49-4ec0-417f-90b6-a322426d9212": [ "37b7a764-1ad0-4a04-82f1-9b6c42c18dd6" ], "30e58d1c-4839-464b-9eb3-2b02f444b5f6": [ "40f91620-b177-4042-8624-eeee19534ae6" ], "7d66f103-6511-4030-89b4-d216e6f14e4b": [ "40f91620-b177-4042-8624-eeee19534ae6" ], "fb9cb235-74ba-40df-b10d-8b39236e8f86": [ "40f91620-b177-4042-8624-eeee19534ae6" ], "58115e87-c524-4012-baaa-c9493a76ab59": [ "40f91620-b177-4042-8624-eeee19534ae6" ], "6b68d9a6-4919-459b-afd4-fea9d4a0fcba": [ "40f91620-b177-4042-8624-eeee19534ae6" ], "e11c6283-ff32-4a9e-8a19-5724317e0ccf": [ "40f91620-b177-4042-8624-eeee19534ae6" ], "eca661e3-8458-4976-b07a-59f683d41cca": [ "40f91620-b177-4042-8624-eeee19534ae6" ], "51fb096d-76f9-4e39-b8bb-9404186c37d3": [ "40f91620-b177-4042-8624-eeee19534ae6" ], "abda2533-b32d-4fd5-9e5b-ce56df321e0c": [ "40f91620-b177-4042-8624-eeee19534ae6" ], "5e9f3886-7acd-442d-8097-0b0502bc1eb0": [ "40f91620-b177-4042-8624-eeee19534ae6" ], "c7b406c7-e807-4f0b-8d9d-b4efb5082c03": [ "fe7dc100-b916-4c30-986a-f257444d1931" ], "723f75a1-9ed4-49bf-a45f-09a2c6425932": [ "fe7dc100-b916-4c30-986a-f257444d1931" ], "48ac44de-5746-4ff1-832d-dce7dade94d2": [ "fe7dc100-b916-4c30-986a-f257444d1931" ], "427a4c94-b9cb-4fe2-b003-4593ec358c5d": [ "fe7dc100-b916-4c30-986a-f257444d1931" ], "0ec97ff1-8a1f-49d8-a2b0-02d0ad05e70d": [ "fe7dc100-b916-4c30-986a-f257444d1931" ], "c3e827dc-21ce-409b-9992-3f62bdee48b7": [ "fe7dc100-b916-4c30-986a-f257444d1931" ], "1722091d-1481-4943-8366-633d2c8d7a63": [ "fe7dc100-b916-4c30-986a-f257444d1931" ], "0402933e-72be-401f-8d58-ad855589ccfb": [ "fe7dc100-b916-4c30-986a-f257444d1931" ], "e8c36c44-9beb-4023-bd6b-1d7d631ea665": [ "fe7dc100-b916-4c30-986a-f257444d1931" ], "2733f9fa-b1f0-4fd3-ab7c-38a28dcd8c18": [ "fe7dc100-b916-4c30-986a-f257444d1931" ], "53626492-ceb0-4f5e-a943-d17aaa532895": [ "b670c6d2-96d9-4fc3-986a-15c900b7804b" ], "adadd4e8-d15b-4054-8e1e-7f5b5c974d85": [ "b670c6d2-96d9-4fc3-986a-15c900b7804b" ], "657e90c7-a369-4e51-8723-55a5fe42d03e": [ "b670c6d2-96d9-4fc3-986a-15c900b7804b" ], "eee4d4d4-e09c-4c7c-8466-e3e0ff5e3630": [ "b670c6d2-96d9-4fc3-986a-15c900b7804b" ], "1ebcbb09-c7d2-4984-966f-ec7beb3e590f": [ "b670c6d2-96d9-4fc3-986a-15c900b7804b" ], "bc2ce8fc-38c5-40b6-8a69-64b2aa7f8565": [ "b670c6d2-96d9-4fc3-986a-15c900b7804b" ], "234dbb06-2a6c-4eaa-baf5-c40eb245d958": [ "b670c6d2-96d9-4fc3-986a-15c900b7804b" ], "31181786-de8a-4fdf-a844-bd25902bb6e3": [ "b670c6d2-96d9-4fc3-986a-15c900b7804b" ], "17f13f7e-d058-4a04-8bae-3f6566ed4340": [ "b670c6d2-96d9-4fc3-986a-15c900b7804b" ], "4c3ff133-9499-4cde-a841-e9023c82b268": [ "b670c6d2-96d9-4fc3-986a-15c900b7804b" ], "eff7ed6f-fa45-4d91-9074-6ecd6c48f25a": [ "25e2838f-1efb-48c3-b226-d7147b49ad13" ], "5d7e4c8b-601e-442e-8ee9-4f8209203a04": [ "25e2838f-1efb-48c3-b226-d7147b49ad13" ], "0e30e3de-3298-450a-82c2-9c61752a09d5": [ "25e2838f-1efb-48c3-b226-d7147b49ad13" ], "d27057b9-6400-4f67-8481-118b374cd2c3": [ "25e2838f-1efb-48c3-b226-d7147b49ad13" ], "eb5edf28-4d9f-4cb6-8879-3bb2ffad2782": [ "25e2838f-1efb-48c3-b226-d7147b49ad13" ], "486d7f50-6c5c-4990-84fb-2228d8f2721d": [ "25e2838f-1efb-48c3-b226-d7147b49ad13" ], "28979d10-6a9c-49f5-b6b9-de6336c6b3fb": [ "25e2838f-1efb-48c3-b226-d7147b49ad13" ], "8772977c-8f4d-45d7-bb12-f2bcef79a8b2": [ "25e2838f-1efb-48c3-b226-d7147b49ad13" ], "fd48b77a-d578-47c5-a93e-ffc0b4c16fd7": [ "25e2838f-1efb-48c3-b226-d7147b49ad13" ], "108c616d-15d0-43b4-8428-c8de6af5019d": [ "25e2838f-1efb-48c3-b226-d7147b49ad13" ], "ee17f138-3380-4943-9c4c-cc8e891a45ed": [ "448622ba-2618-413f-b6cc-74de9a6f3f88" ], "e94c234c-c226-4234-9931-9aca9a0cf1eb": [ "448622ba-2618-413f-b6cc-74de9a6f3f88" ], "58905054-27b6-4777-8908-c37666d73e10": [ "448622ba-2618-413f-b6cc-74de9a6f3f88" ], "9b65734d-7d0e-4139-a318-27585bbafff6": [ "448622ba-2618-413f-b6cc-74de9a6f3f88" ], "84b5552d-678c-4cb6-938a-f99428d7cab9": [ "448622ba-2618-413f-b6cc-74de9a6f3f88" ], "0b38ec05-0d2a-41a1-a51f-55f8ba19f002": [ "448622ba-2618-413f-b6cc-74de9a6f3f88" ], "a8e800e8-ff6b-4fa5-8f6d-b3c5f192629b": [ "448622ba-2618-413f-b6cc-74de9a6f3f88" ], "c1d1e596-fc93-4d99-ac96-68235bf24d6b": [ "448622ba-2618-413f-b6cc-74de9a6f3f88" ], "e63cfceb-7cd3-4245-9e18-177129360294": [ "448622ba-2618-413f-b6cc-74de9a6f3f88" ], "3dffef33-175a-478d-8edc-daf68b3531de": [ "448622ba-2618-413f-b6cc-74de9a6f3f88" ], "5c4e4a27-e674-4602-a56b-5cad1d9e081b": [ "9cd42120-f827-4a51-ab40-d3b7d9a21924" ], "6de9ed37-0ef1-4ff5-ae6d-fce127b35fdb": [ "9cd42120-f827-4a51-ab40-d3b7d9a21924" ], "2038a90d-08d3-47c2-b229-3885ec55533c": [ "9cd42120-f827-4a51-ab40-d3b7d9a21924" ], "7167d3a9-5ced-4051-9c1a-2fce09cd39ed": [ "9cd42120-f827-4a51-ab40-d3b7d9a21924" ], "bab709d4-974f-478f-8288-2ec8ce6e0475": [ "9cd42120-f827-4a51-ab40-d3b7d9a21924" ], "5b26c377-def6-4b65-bf8c-dbe357932940": [ "9cd42120-f827-4a51-ab40-d3b7d9a21924" ], "c41b6c8b-2031-4d64-be58-28f5302302bc": [ "9cd42120-f827-4a51-ab40-d3b7d9a21924" ], "12610a1a-2a4a-428d-9942-a114174a0c9f": [ "9cd42120-f827-4a51-ab40-d3b7d9a21924" ], "4c234cfc-a7c2-4f91-bf18-e370fc410733": [ "9cd42120-f827-4a51-ab40-d3b7d9a21924" ], "9da25b93-f5c5-40b3-a723-3cf8c713bd98": [ "9cd42120-f827-4a51-ab40-d3b7d9a21924" ], "4398c1f9-b78c-4f58-818e-5a91e50d32d5": [ "eb9898c4-6575-49a5-ac82-fa29ae055be3" ], "a2f5ee65-8991-4103-8ad2-0aecb106c9c0": [ "eb9898c4-6575-49a5-ac82-fa29ae055be3" ], "92cd9f25-d202-4ca2-b8fc-f37bb132abe4": [ "eb9898c4-6575-49a5-ac82-fa29ae055be3" ], "6dae1ca8-298d-4072-8d3a-2e75f72507dd": [ "eb9898c4-6575-49a5-ac82-fa29ae055be3" ], "e0fd2076-af22-4c06-b18b-03ee1c66d7c0": [ "eb9898c4-6575-49a5-ac82-fa29ae055be3" ], "f99496c8-141b-45a7-8db8-81e14aa62637": [ "eb9898c4-6575-49a5-ac82-fa29ae055be3" ], "f6ba236a-e698-4241-8681-f3ce6c1ce4ca": [ "eb9898c4-6575-49a5-ac82-fa29ae055be3" ], "0c46c877-fae1-4bda-9597-2e276685b81a": [ "eb9898c4-6575-49a5-ac82-fa29ae055be3" ], "d5e95ca0-4130-4f15-ba01-73a5dcf5f79a": [ "eb9898c4-6575-49a5-ac82-fa29ae055be3" ], "e213d4ff-aae0-47a4-8a6c-1b697f9671bf": [ "eb9898c4-6575-49a5-ac82-fa29ae055be3" ], "96b9a758-632e-4b41-92c3-702682694326": [ "599d6b38-3846-43f6-a9ed-8ab2358e3b7c" ], "289853f6-39d5-4e82-8075-cf605bf2b69b": [ "599d6b38-3846-43f6-a9ed-8ab2358e3b7c" ], "345f35ea-59ca-4293-8773-bacfb02579cb": [ "599d6b38-3846-43f6-a9ed-8ab2358e3b7c" ], "4bb94342-15b0-4c35-8e89-3a528afd2cc0": [ "599d6b38-3846-43f6-a9ed-8ab2358e3b7c" ], "c548a985-9744-49e9-9a4d-9fbb8c81b5b4": [ "599d6b38-3846-43f6-a9ed-8ab2358e3b7c" ], "c103cc81-fe2d-4df4-b7ce-33287faa4e1b": [ "599d6b38-3846-43f6-a9ed-8ab2358e3b7c" ], "b0d3742c-4fcf-460a-93cb-7f837b703cbb": [ "599d6b38-3846-43f6-a9ed-8ab2358e3b7c" ], "98954cbd-4fad-45f5-821b-43350317fcce": [ "599d6b38-3846-43f6-a9ed-8ab2358e3b7c" ], "d30dc1d8-ed21-4077-84e4-dde954b2b492": [ "599d6b38-3846-43f6-a9ed-8ab2358e3b7c" ], "2a07d9db-c1cb-425b-bd79-d1a8214a91bd": [ "599d6b38-3846-43f6-a9ed-8ab2358e3b7c" ], "61abadbb-b106-4a95-a4c6-9c38044fe0a1": [ "25142ee4-556a-4ff6-ac91-e8821e2b00b8" ], "5559aa18-fb7b-4b04-87f8-64be7832bed8": [ "25142ee4-556a-4ff6-ac91-e8821e2b00b8" ], "de4339d2-d423-4288-92aa-fde204b3c213": [ "25142ee4-556a-4ff6-ac91-e8821e2b00b8" ], "596bf038-0d5b-4237-a8f0-9d8e70b33209": [ "25142ee4-556a-4ff6-ac91-e8821e2b00b8" ], "36c0f648-19e3-44f3-8667-f600c722252e": [ "25142ee4-556a-4ff6-ac91-e8821e2b00b8" ], "037009fa-b59e-49b9-a0f0-3bb9668985e9": [ "25142ee4-556a-4ff6-ac91-e8821e2b00b8" ], "74a2c9e8-8cb2-465a-97eb-80e84b453029": [ "25142ee4-556a-4ff6-ac91-e8821e2b00b8" ], "1338bdf3-8885-4753-9645-b7dabab7919a": [ "25142ee4-556a-4ff6-ac91-e8821e2b00b8" ], "a98e1ee7-7212-4652-8f01-4881fc7e3b8e": [ "25142ee4-556a-4ff6-ac91-e8821e2b00b8" ], "6600e0f1-3fc4-4260-8bee-4153475a97bd": [ "25142ee4-556a-4ff6-ac91-e8821e2b00b8" ], "9b1f7e26-1374-481c-8110-a377941de19c": [ "d0e76e94-c93e-42e8-b0e7-406fd60c6309" ], "38afb34e-b831-4565-975f-1b1f1a289542": [ "d0e76e94-c93e-42e8-b0e7-406fd60c6309" ], "b06e720b-8bc9-46ad-b685-5f964aa7bc22": [ "d0e76e94-c93e-42e8-b0e7-406fd60c6309" ], "be696600-d2ab-4f55-a121-f1f4805d3ee1": [ "d0e76e94-c93e-42e8-b0e7-406fd60c6309" ], "8ef3ebe5-4af0-4fb6-b47f-6f980020d9aa": [ "d0e76e94-c93e-42e8-b0e7-406fd60c6309" ], "d7ed47f8-2b8d-4c17-889c-cfab7bea6315": [ "d0e76e94-c93e-42e8-b0e7-406fd60c6309" ], "c7e84b96-96b5-4363-8d70-4594e72e7d7b": [ "d0e76e94-c93e-42e8-b0e7-406fd60c6309" ], "de5a493b-0eee-46d7-9030-97653040ef8a": [ "d0e76e94-c93e-42e8-b0e7-406fd60c6309" ], "7a5c6004-1ab0-4eb6-9a02-b72d6de05acc": [ "d0e76e94-c93e-42e8-b0e7-406fd60c6309" ], "2d374da1-51b8-4874-8f35-fb347e49a98f": [ "d0e76e94-c93e-42e8-b0e7-406fd60c6309" ], "ec65cd95-5e29-4a57-9562-5264b70d9e5e": [ "6aae7378-5720-4cd2-993d-54ae084b8646" ], "8a45113b-5e58-48f1-b64a-dbd6c7fdce75": [ "6aae7378-5720-4cd2-993d-54ae084b8646" ], "2c79c56d-b798-476b-b4e4-f89803e3bc1f": [ "6aae7378-5720-4cd2-993d-54ae084b8646" ], "2f52b189-1b96-4b56-a535-3e412015c4c6": [ "6aae7378-5720-4cd2-993d-54ae084b8646" ], "472c166c-7974-4f12-89f5-58b5c3ef0817": [ "6aae7378-5720-4cd2-993d-54ae084b8646" ], "188f7153-0538-406f-a9e5-be6ec488ddd7": [ "6aae7378-5720-4cd2-993d-54ae084b8646" ], "e00b1a94-4bfe-4ca9-9921-19c29760d065": [ "6aae7378-5720-4cd2-993d-54ae084b8646" ], "bc0bb98b-0af2-4eb2-9cd3-1ffd543c8460": [ "6aae7378-5720-4cd2-993d-54ae084b8646" ], "2ec7aa87-7618-4e21-9822-449d8653b366": [ "6aae7378-5720-4cd2-993d-54ae084b8646" ], "623fcf6b-7ecd-4c95-83ec-b07484d8c595": [ "6aae7378-5720-4cd2-993d-54ae084b8646" ], "8aff5edb-141c-4afe-91ed-e9db04f4be1d": [ "7c54ec7f-ccf9-4b27-8d54-cd5daa707c97" ], "8141df68-0c42-4505-b255-54228e3fe549": [ "7c54ec7f-ccf9-4b27-8d54-cd5daa707c97" ], "4a2e4e5e-25b2-47d0-b8e3-fdb7291d3cef": [ "7c54ec7f-ccf9-4b27-8d54-cd5daa707c97" ], "88383604-8082-4dab-8fe7-3508342dc2ee": [ "7c54ec7f-ccf9-4b27-8d54-cd5daa707c97" ], "7293c8c6-4cdf-4180-922e-699e4a23ebee": [ "7c54ec7f-ccf9-4b27-8d54-cd5daa707c97" ], "c0e30891-ca72-44c1-9d8e-a22c5f164665": [ "7c54ec7f-ccf9-4b27-8d54-cd5daa707c97" ], "348ec466-7046-4a28-9a42-129b7fc21914": [ "7c54ec7f-ccf9-4b27-8d54-cd5daa707c97" ], "359d9113-08d1-49d6-a4c6-3546b3cf4a35": [ "7c54ec7f-ccf9-4b27-8d54-cd5daa707c97" ], "7d727d3e-f63f-4c8c-91a2-1f23a0847ca1": [ "7c54ec7f-ccf9-4b27-8d54-cd5daa707c97" ], "c83ca3ab-8d46-4ef4-96c5-55b1aaa8ab34": [ "7c54ec7f-ccf9-4b27-8d54-cd5daa707c97" ], "cb9a4606-43d5-4d5c-a445-647dfa7abc9a": [ "54383d50-82ba-40f0-a804-b9cae2d3bbff" ], "49ecef9d-e8a6-48d5-95cc-9545926ecb6a": [ "54383d50-82ba-40f0-a804-b9cae2d3bbff" ], "8517a8b2-48c1-47c9-a217-b35ccf05fdda": [ "54383d50-82ba-40f0-a804-b9cae2d3bbff" ], "45ad00a6-24cd-4bf2-927f-16e2d5f88807": [ "54383d50-82ba-40f0-a804-b9cae2d3bbff" ], "32230b47-d1df-4dc7-8bc7-2ea30392e80c": [ "54383d50-82ba-40f0-a804-b9cae2d3bbff" ], "2ab64c66-6341-499a-95ec-92c302212021": [ "54383d50-82ba-40f0-a804-b9cae2d3bbff" ], "abfbb408-2b51-483a-b2e8-136b9a162305": [ "54383d50-82ba-40f0-a804-b9cae2d3bbff" ], "8eef68f7-444e-4a28-a333-669fa6a5716b": [ "54383d50-82ba-40f0-a804-b9cae2d3bbff" ], "5a1b23b9-441c-4288-abfd-f548cde79dc9": [ "54383d50-82ba-40f0-a804-b9cae2d3bbff" ], "71ba02c2-77e0-4214-ac9a-098f3ddd4148": [ "54383d50-82ba-40f0-a804-b9cae2d3bbff" ], "05b4c77f-30b4-4816-89cb-8c7b931ddf97": [ "6556e05b-64ab-47e9-8da5-12ebd7ce8808" ], "c1e985db-18dc-4f12-8fed-e952d25c55d8": [ "6556e05b-64ab-47e9-8da5-12ebd7ce8808" ], "f6caa240-d700-415c-ba48-6a81c9bed663": [ "6556e05b-64ab-47e9-8da5-12ebd7ce8808" ], "dd00d836-130d-43c0-9239-499b1d39417f": [ "6556e05b-64ab-47e9-8da5-12ebd7ce8808" ], "77ac032f-95a4-4a6a-865c-a7700a33b84c": [ "6556e05b-64ab-47e9-8da5-12ebd7ce8808" ], "fd115070-caf3-402c-90bb-7d0e49a75e85": [ "6556e05b-64ab-47e9-8da5-12ebd7ce8808" ], "a2ba5c16-cd36-4c59-b37a-e0e9284a33a8": [ "6556e05b-64ab-47e9-8da5-12ebd7ce8808" ], "d024f5a6-91e6-4cfa-af69-bcef6d35ce3e": [ "6556e05b-64ab-47e9-8da5-12ebd7ce8808" ], "2260a051-1da8-494a-8d2b-35d245dd4d46": [ "6556e05b-64ab-47e9-8da5-12ebd7ce8808" ], "c2e898bc-d35d-4f0a-a180-10e66d82ba72": [ "6556e05b-64ab-47e9-8da5-12ebd7ce8808" ], "3626fb21-dfc2-4357-8f93-0fb4905d8fd2": [ "ab88a67e-d333-452f-a1f3-f3c963304160" ], "28bd653b-3541-4396-86bb-df82bee8ea63": [ "ab88a67e-d333-452f-a1f3-f3c963304160" ], "514363b8-ca3f-446c-94aa-12f41916ef98": [ "ab88a67e-d333-452f-a1f3-f3c963304160" ], "90053837-cf0f-4b25-affb-cfa2a9f82611": [ "ab88a67e-d333-452f-a1f3-f3c963304160" ], "2f3a9c5a-1624-4841-bb40-b30f2024ab5b": [ "ab88a67e-d333-452f-a1f3-f3c963304160" ], "28499c53-b92d-4034-b0ac-20a5199bc7c9": [ "ab88a67e-d333-452f-a1f3-f3c963304160" ], "e6430188-304f-40e7-a1dc-d3d53fe910ac": [ "ab88a67e-d333-452f-a1f3-f3c963304160" ], "5ccaedd3-3bd0-45cd-8473-042cd484be29": [ "ab88a67e-d333-452f-a1f3-f3c963304160" ], "83791873-9b21-496d-a16e-d15de06bbacb": [ "ab88a67e-d333-452f-a1f3-f3c963304160" ], "e11803ae-9272-426e-a48d-b68320408b50": [ "ab88a67e-d333-452f-a1f3-f3c963304160" ], "7e72a0ae-3350-49eb-beda-2f13cb6aa087": [ "54c5493e-680e-478a-b5ac-95e71af7316c" ], "9eab8482-151d-4013-9438-878c4a221453": [ "54c5493e-680e-478a-b5ac-95e71af7316c" ], "91d13ace-af46-4a91-89fc-c110e3bc7f8e": [ "54c5493e-680e-478a-b5ac-95e71af7316c" ], "bf0b1f32-a663-4680-a62c-878f4dae0320": [ "54c5493e-680e-478a-b5ac-95e71af7316c" ], "ca6fda5d-a681-4442-ade3-6868d57c534f": [ "54c5493e-680e-478a-b5ac-95e71af7316c" ], "14a49c22-674c-4739-ae96-f6c6ee41dc26": [ "54c5493e-680e-478a-b5ac-95e71af7316c" ], "08b057af-2775-44ab-893c-dbf021ea4ec9": [ "54c5493e-680e-478a-b5ac-95e71af7316c" ], "d7af5707-b787-4568-8bc8-39fb21077c56": [ "54c5493e-680e-478a-b5ac-95e71af7316c" ], "b34ab1e1-ddf1-4c48-8323-056c377f04be": [ "54c5493e-680e-478a-b5ac-95e71af7316c" ], "2a9dd571-c812-4312-9a2a-47f3e868a012": [ "54c5493e-680e-478a-b5ac-95e71af7316c" ], "9fee7450-e553-4183-94df-2d25127f27fc": [ "6504065c-14f5-43a9-adb1-2b7f4e7f522c" ], "6a1d8c69-91dd-4828-9cb6-f7884b3da898": [ "6504065c-14f5-43a9-adb1-2b7f4e7f522c" ], "79b0bea6-b151-42f1-a587-ef4edabd9f56": [ "6504065c-14f5-43a9-adb1-2b7f4e7f522c" ], "58d03bf3-081f-4f36-b62c-429010dc8c1a": [ "6504065c-14f5-43a9-adb1-2b7f4e7f522c" ], "0aaf34b2-b65b-4ac9-99a2-a5179488109f": [ "6504065c-14f5-43a9-adb1-2b7f4e7f522c" ], "7d2c85e9-b65f-4392-bf8a-29e1bf5f6080": [ "6504065c-14f5-43a9-adb1-2b7f4e7f522c" ], "b73ea097-be65-4d83-9284-0b4be715ca07": [ "6504065c-14f5-43a9-adb1-2b7f4e7f522c" ], "d14f848b-6fd8-46fc-995a-0c2009c65529": [ "6504065c-14f5-43a9-adb1-2b7f4e7f522c" ], "d43655e8-4d32-4b7e-a948-7cfc95859a40": [ "6504065c-14f5-43a9-adb1-2b7f4e7f522c" ], "abb92ccf-3c8d-4c7a-9758-bad31a6b0bc6": [ "6504065c-14f5-43a9-adb1-2b7f4e7f522c" ], "63ea52ec-9084-4556-94b9-838499d32d77": [ "2380d99f-a63c-4cd1-a0c5-e053bbf348c4" ], "650135cd-20b2-4de6-9d12-aa1393a64fcc": [ "2380d99f-a63c-4cd1-a0c5-e053bbf348c4" ], "4b879218-df6b-4d25-8508-5027edf41261": [ "2380d99f-a63c-4cd1-a0c5-e053bbf348c4" ], "0e2e2089-e962-4ab7-bf36-664ffa89f95a": [ "2380d99f-a63c-4cd1-a0c5-e053bbf348c4" ], "0e75a300-907a-4e5f-ab01-bf9982b3b3d0": [ "2380d99f-a63c-4cd1-a0c5-e053bbf348c4" ], "74e740c6-6f42-4b4f-9152-bd21ae36792b": [ "2380d99f-a63c-4cd1-a0c5-e053bbf348c4" ], "d86db5d4-37b5-4271-9854-03ce7d2c3ed4": [ "2380d99f-a63c-4cd1-a0c5-e053bbf348c4" ], "0953dca9-52d5-44a4-b45e-4c35f2523fab": [ "2380d99f-a63c-4cd1-a0c5-e053bbf348c4" ], "6d51ea70-69c9-4086-be17-c8c347d08067": [ "2380d99f-a63c-4cd1-a0c5-e053bbf348c4" ], "7a8db13d-b05d-406b-9677-619263361ec4": [ "2380d99f-a63c-4cd1-a0c5-e053bbf348c4" ], "04daecd9-af4f-4148-8d8f-e5285cf6cc03": [ "6d6d49c5-516e-4d41-a579-bd64f7fad3cc" ], "6b223a72-2601-495e-8603-298c5e30139d": [ "6d6d49c5-516e-4d41-a579-bd64f7fad3cc" ], "7b7870f4-df6d-4f00-a73d-6b0df928324f": [ "6d6d49c5-516e-4d41-a579-bd64f7fad3cc" ], "5c2b8e08-2649-4ef9-bdc7-2ee8dc801742": [ "6d6d49c5-516e-4d41-a579-bd64f7fad3cc" ], "5c5970e0-c007-44e5-b78e-52b1f1dc4bfb": [ "6d6d49c5-516e-4d41-a579-bd64f7fad3cc" ], "91672a47-0b74-4314-9909-a23baaac9c38": [ "6d6d49c5-516e-4d41-a579-bd64f7fad3cc" ], "2c38711d-5a6d-4473-b219-a3043498f36c": [ "6d6d49c5-516e-4d41-a579-bd64f7fad3cc" ], "6604d33e-a41e-40e0-af62-4994bd3b1efe": [ "6d6d49c5-516e-4d41-a579-bd64f7fad3cc" ], "20a08ea5-f0e4-4f89-9fa1-9508ef24546b": [ "6d6d49c5-516e-4d41-a579-bd64f7fad3cc" ], "2c840516-447d-4e98-8c62-982dda5df3ef": [ "6d6d49c5-516e-4d41-a579-bd64f7fad3cc" ], "6084dcda-2d55-4e36-8550-3c67f0d9e0fc": [ "99c99f98-088f-4958-a041-154919442746" ], "c6967cc3-2198-411e-a8cb-15f77f562054": [ "99c99f98-088f-4958-a041-154919442746" ], "e275785a-815c-42be-84ba-498d504b759b": [ "99c99f98-088f-4958-a041-154919442746" ], "db0b20d0-ef8d-417e-98a3-24ae424e3ad7": [ "99c99f98-088f-4958-a041-154919442746" ], "65fddad9-e240-4fbf-907d-760ad02bea89": [ "99c99f98-088f-4958-a041-154919442746" ], "dd4ed7e0-e4d6-4cf0-b216-3008c51da671": [ "99c99f98-088f-4958-a041-154919442746" ], "94709740-c7dd-4b34-8138-ae960693507e": [ "99c99f98-088f-4958-a041-154919442746" ], "e97058fe-5a3c-4720-b31c-93f5b333ee90": [ "99c99f98-088f-4958-a041-154919442746" ], "dc0b2785-83e0-4812-856b-7b9038b38e40": [ "99c99f98-088f-4958-a041-154919442746" ], "b7eaaff9-6eba-4fe1-9c3e-5b700c4a1518": [ "99c99f98-088f-4958-a041-154919442746" ], "6c8502e8-7deb-4110-be7f-36058a801519": [ "5fe2015e-5618-4d9c-a81a-01e5c579f521" ], "a3bbdfe7-ab55-483f-a8e0-5d76f01db9c4": [ "5fe2015e-5618-4d9c-a81a-01e5c579f521" ], "8a37711d-4d7c-477c-a45f-f3fa96f77b50": [ "5fe2015e-5618-4d9c-a81a-01e5c579f521" ], "ecb1e97b-de49-40fa-8e05-763596c1b793": [ "5fe2015e-5618-4d9c-a81a-01e5c579f521" ], "046a6faf-ebf3-44ec-9c82-e57251e11fa7": [ "5fe2015e-5618-4d9c-a81a-01e5c579f521" ], "eca4440f-8561-4be0-bc57-ad503ad2ac6a": [ "5fe2015e-5618-4d9c-a81a-01e5c579f521" ], "8c989f25-d5a7-4924-868d-bd2fd6aba34c": [ "5fe2015e-5618-4d9c-a81a-01e5c579f521" ], "feb6429e-12b3-40f4-ae59-337ee2f89dfd": [ "5fe2015e-5618-4d9c-a81a-01e5c579f521" ], "9e3da4cb-24de-4d8d-a854-a887ec77860a": [ "5fe2015e-5618-4d9c-a81a-01e5c579f521" ], "80073787-f97d-4820-ac4e-127ee6180b8c": [ "5fe2015e-5618-4d9c-a81a-01e5c579f521" ], "51598acf-a718-4458-90c1-d565e74280ef": [ "152f6c11-5cf4-4bfe-a27f-ee7866ac91ae" ], "4ec2b051-4fa1-462a-8c3a-3074438c02c3": [ "152f6c11-5cf4-4bfe-a27f-ee7866ac91ae" ], "262365c0-57b5-4a0f-b572-c83beab7f149": [ "152f6c11-5cf4-4bfe-a27f-ee7866ac91ae" ], "0eb5bbb2-26d3-4ad9-9482-7a0d0d6d69af": [ "152f6c11-5cf4-4bfe-a27f-ee7866ac91ae" ], "2f91fc2d-d4d4-4251-a55a-8e5546905aa7": [ "152f6c11-5cf4-4bfe-a27f-ee7866ac91ae" ], "aba695c9-39e8-45a0-9eda-2b0cd224e629": [ "152f6c11-5cf4-4bfe-a27f-ee7866ac91ae" ], "ea2b2867-3912-46de-bb06-df89dcb8ddaa": [ "152f6c11-5cf4-4bfe-a27f-ee7866ac91ae" ], "7221e276-0531-48b0-b030-947eae4ce9ee": [ "152f6c11-5cf4-4bfe-a27f-ee7866ac91ae" ], "d07a71d9-968f-4cdd-96aa-89a8fd10016d": [ "152f6c11-5cf4-4bfe-a27f-ee7866ac91ae" ], "ac28ac8b-2629-4b69-bdb2-04d9a60331ac": [ "152f6c11-5cf4-4bfe-a27f-ee7866ac91ae" ], "ce70c5c5-b273-4a72-ba35-2bfeaf65b79b": [ "d468b888-c28c-44c2-be03-602b4d38b5db" ], "3d1a18a9-a780-4c6c-b093-151a07e3f3c4": [ "d468b888-c28c-44c2-be03-602b4d38b5db" ], "5db87189-6ac9-45c5-8172-1f5927ac11e8": [ "d468b888-c28c-44c2-be03-602b4d38b5db" ], "ac049ee3-76fb-4c1a-812e-8c1846f88b3d": [ "d468b888-c28c-44c2-be03-602b4d38b5db" ], "992f0b18-2e3c-4543-838c-b33687b1374d": [ "d468b888-c28c-44c2-be03-602b4d38b5db" ], "4b7d18d3-86d2-4685-afed-5e619532b719": [ "d468b888-c28c-44c2-be03-602b4d38b5db" ], "5008f3d0-8104-4c48-88ba-c1afcf4b21d1": [ "d468b888-c28c-44c2-be03-602b4d38b5db" ], "4cb4231f-8e3c-4905-8866-47551e615124": [ "d468b888-c28c-44c2-be03-602b4d38b5db" ], "2ecf2ad1-eefa-49ce-92f3-f193d352291d": [ "d468b888-c28c-44c2-be03-602b4d38b5db" ], "e0c57e0b-bc80-44f4-b6b1-2dc492c69915": [ "d468b888-c28c-44c2-be03-602b4d38b5db" ], "7c5de2de-c993-4397-b4ff-418a4c0cd8d2": [ "8a9fca2f-e824-446d-8cbf-eb8fa3237392" ], "058c16b9-96b4-4693-bbef-ad164651478a": [ "8a9fca2f-e824-446d-8cbf-eb8fa3237392" ], "b739e5df-fa0e-4abb-aba8-fb0849cf8c7a": [ "8a9fca2f-e824-446d-8cbf-eb8fa3237392" ], "341eab26-9f56-45ad-92d1-9d56ebc13133": [ "8a9fca2f-e824-446d-8cbf-eb8fa3237392" ], "17c9102c-d618-40ba-97ee-eb053923e66b": [ "8a9fca2f-e824-446d-8cbf-eb8fa3237392" ], "4c0f0f46-523c-4794-bf96-24031d313257": [ "8a9fca2f-e824-446d-8cbf-eb8fa3237392" ], "20c42a74-f835-49e9-9c17-5f8a736300f8": [ "8a9fca2f-e824-446d-8cbf-eb8fa3237392" ], "f3683244-cee1-46ed-a110-19741d53f846": [ "8a9fca2f-e824-446d-8cbf-eb8fa3237392" ], "1750d015-79e6-4349-a878-ac29fbb7a05a": [ "8a9fca2f-e824-446d-8cbf-eb8fa3237392" ], "c438d4f7-e86e-4a51-b90e-6b583c873ed1": [ "8a9fca2f-e824-446d-8cbf-eb8fa3237392" ], "6638fb73-c153-418a-9a5e-0d9375f315e4": [ "d286b4fb-9092-41fa-afe8-a1c6235acd74" ], "04597be0-4db7-44c7-9d12-13810725ed9e": [ "d286b4fb-9092-41fa-afe8-a1c6235acd74" ], "4254cff2-be2f-4c41-a46e-6aeb0ca0d66d": [ "d286b4fb-9092-41fa-afe8-a1c6235acd74" ], "6657a899-b81d-42d4-9ff6-74bb69206417": [ "d286b4fb-9092-41fa-afe8-a1c6235acd74" ], "da571720-5c83-4c4c-85b9-fd1d3c8c1766": [ "d286b4fb-9092-41fa-afe8-a1c6235acd74" ], "f187ee8c-6b7b-4afe-af2c-ac209e145ac4": [ "d286b4fb-9092-41fa-afe8-a1c6235acd74" ], "f78fce1e-2c1b-4a81-9626-8e9e31eca6ba": [ "d286b4fb-9092-41fa-afe8-a1c6235acd74" ], "c5a556d7-8599-4f59-9a33-48445db5a983": [ "d286b4fb-9092-41fa-afe8-a1c6235acd74" ], "e2a44a60-1d4e-446d-8315-cf1710056fd1": [ "d286b4fb-9092-41fa-afe8-a1c6235acd74" ], "a0220f99-a112-435a-b3c0-34f66daeb181": [ "d286b4fb-9092-41fa-afe8-a1c6235acd74" ], "278a129f-406c-4463-b909-9ca8d9e5ee78": [ "4ba2ffd7-dac2-4d1a-aa36-cce2dfabf350" ], "8d435309-5448-4825-8274-eafd91281927": [ "4ba2ffd7-dac2-4d1a-aa36-cce2dfabf350" ], "f87137d7-c87e-4949-935f-ef4a510adaca": [ "4ba2ffd7-dac2-4d1a-aa36-cce2dfabf350" ], "7ee4c3af-971c-4989-8de3-f11c270cb24e": [ "4ba2ffd7-dac2-4d1a-aa36-cce2dfabf350" ], "e02a685b-e660-47ee-b9c3-f644ba92f09f": [ "4ba2ffd7-dac2-4d1a-aa36-cce2dfabf350" ], "103997ca-a62f-449d-89f6-294403ae2f45": [ "4ba2ffd7-dac2-4d1a-aa36-cce2dfabf350" ], "2b59f4f4-cd87-4da7-8048-a3399ff1cb73": [ "4ba2ffd7-dac2-4d1a-aa36-cce2dfabf350" ], "2f53259d-a0c8-497b-9c2d-239628e55d12": [ "4ba2ffd7-dac2-4d1a-aa36-cce2dfabf350" ], "d40cabc3-a961-4261-a8af-a22cc448e5e2": [ "4ba2ffd7-dac2-4d1a-aa36-cce2dfabf350" ], "1a620260-22df-4c7f-ad70-40ced96da8ab": [ "4ba2ffd7-dac2-4d1a-aa36-cce2dfabf350" ], "c4ad134d-ea2a-4164-b57c-39247827ba95": [ "09be7303-5a13-4b0d-99bd-c9e83d56e1b2" ], "b63ccd08-a5c3-4a73-8ac0-f4baf0e12f85": [ "09be7303-5a13-4b0d-99bd-c9e83d56e1b2" ], "acdbd575-44f7-4697-b658-05b0c55663a5": [ "09be7303-5a13-4b0d-99bd-c9e83d56e1b2" ], "22f14da8-40c9-491c-a029-a94824848c46": [ "09be7303-5a13-4b0d-99bd-c9e83d56e1b2" ], "71f47146-7279-4f42-9572-8df213a12106": [ "09be7303-5a13-4b0d-99bd-c9e83d56e1b2" ], "6dec00a8-cd1d-4e9d-b453-230a86e16f71": [ "09be7303-5a13-4b0d-99bd-c9e83d56e1b2" ], "66d2c629-e54e-4ae5-bb97-57a3279b125c": [ "09be7303-5a13-4b0d-99bd-c9e83d56e1b2" ], "b272e71b-569a-471f-8f5a-02d1460b5381": [ "09be7303-5a13-4b0d-99bd-c9e83d56e1b2" ], "c72d5dc1-7ab9-4890-a21b-03eb745cf511": [ "09be7303-5a13-4b0d-99bd-c9e83d56e1b2" ], "91dd8b4d-c39d-4944-86e7-95623e28f939": [ "09be7303-5a13-4b0d-99bd-c9e83d56e1b2" ], "5e922b7b-933f-40bc-b945-ebc4c5f49383": [ "ac34b589-109f-47a6-942e-57aaf3ded789" ], "9ef3db64-b227-4524-8d42-a5de6cffdf33": [ "ac34b589-109f-47a6-942e-57aaf3ded789" ], "1be552e5-ff78-4494-aeed-8c1ca53f96e5": [ "ac34b589-109f-47a6-942e-57aaf3ded789" ], "58538b4a-f510-4332-ab2f-3b43b9c48b50": [ "ac34b589-109f-47a6-942e-57aaf3ded789" ], "79d70121-c4d1-4d16-8030-c268915afbed": [ "ac34b589-109f-47a6-942e-57aaf3ded789" ], "bf8ce7ee-1e4e-4460-a88f-2a1847cc2403": [ "ac34b589-109f-47a6-942e-57aaf3ded789" ], "aacbbb05-0b5b-410f-a31b-a593ac1e027b": [ "ac34b589-109f-47a6-942e-57aaf3ded789" ], "509f9fb0-f76d-4c82-b467-2792bc55e5bd": [ "ac34b589-109f-47a6-942e-57aaf3ded789" ], "789d9c5d-ed37-4195-93ed-0eff4bfd639c": [ "ac34b589-109f-47a6-942e-57aaf3ded789" ], "dee4c6a4-8fd5-44bb-92bd-83419a16edc2": [ "ac34b589-109f-47a6-942e-57aaf3ded789" ], "db3ec18f-2e2b-43b2-ad16-fdb0232a6343": [ "c4f189e8-fa45-4fd7-a78b-c0de1dfd496e" ], "b1521347-2006-49a9-a1b6-8c11103c40b6": [ "c4f189e8-fa45-4fd7-a78b-c0de1dfd496e" ], "7835f0f1-6aa9-4790-9a7a-d6ac540b2773": [ "c4f189e8-fa45-4fd7-a78b-c0de1dfd496e" ], "553d556d-c96d-44bd-b519-a86d965471bd": [ "c4f189e8-fa45-4fd7-a78b-c0de1dfd496e" ], "d2405534-2b4e-4712-a686-a2fdc5b47ad4": [ "c4f189e8-fa45-4fd7-a78b-c0de1dfd496e" ], "332b5235-8732-427f-b5c4-a16c77578e51": [ "c4f189e8-fa45-4fd7-a78b-c0de1dfd496e" ], "75d128ff-8feb-4c52-b9a9-8888453577e8": [ "c4f189e8-fa45-4fd7-a78b-c0de1dfd496e" ], "ae6b3583-93a7-4103-9ecf-52395df2140a": [ "c4f189e8-fa45-4fd7-a78b-c0de1dfd496e" ], "b77e50af-ef7a-4792-bbe1-e27a764051b8": [ "c4f189e8-fa45-4fd7-a78b-c0de1dfd496e" ], "fede32ad-b163-4f5b-ad0b-0e30d6337d98": [ "c4f189e8-fa45-4fd7-a78b-c0de1dfd496e" ], "15a36f57-52db-4733-87c5-0d373572ca83": [ "38dacbe9-92c3-46c7-b4bf-6653bdbb7559" ], "14cea9b2-38ef-4905-bf72-b0e8bafef717": [ "38dacbe9-92c3-46c7-b4bf-6653bdbb7559" ], "ed7bb27d-d307-42d9-9b6f-b722935d7c54": [ "38dacbe9-92c3-46c7-b4bf-6653bdbb7559" ], "0e56cc74-d6ec-45c5-8e4a-c3fb9b0f1719": [ "38dacbe9-92c3-46c7-b4bf-6653bdbb7559" ], "865c0f14-9234-40bb-a1aa-e5093610ac8d": [ "38dacbe9-92c3-46c7-b4bf-6653bdbb7559" ], "38ed3842-b089-4b80-8cb7-192f984428f9": [ "38dacbe9-92c3-46c7-b4bf-6653bdbb7559" ], "12888573-de89-4d20-9bb2-a317db70e8ad": [ "38dacbe9-92c3-46c7-b4bf-6653bdbb7559" ], "8eed8fd1-4571-4807-80c3-50124731474f": [ "38dacbe9-92c3-46c7-b4bf-6653bdbb7559" ], "380f7f91-c450-48ef-9415-aa1e593eb59e": [ "38dacbe9-92c3-46c7-b4bf-6653bdbb7559" ], "44a2986c-ae19-48e9-aca9-6756d7ccf2e3": [ "38dacbe9-92c3-46c7-b4bf-6653bdbb7559" ], "72a71024-340a-416f-98dc-293d24519d10": [ "757f0fae-077c-4617-b8f9-cee37958fa91" ], "3b434593-38a3-4f98-8a66-45f57e4d4260": [ "757f0fae-077c-4617-b8f9-cee37958fa91" ], "f7f65cc2-a104-4b03-a1f4-911ebc787435": [ "757f0fae-077c-4617-b8f9-cee37958fa91" ], "a81b75d7-6428-409b-8d96-776aaf3a2084": [ "757f0fae-077c-4617-b8f9-cee37958fa91" ], "88b30844-26b8-4bbe-bdde-0cc41983f890": [ "757f0fae-077c-4617-b8f9-cee37958fa91" ], "461ed4a1-3268-4810-bf03-ae9353f89831": [ "757f0fae-077c-4617-b8f9-cee37958fa91" ], "22a5837e-216c-48ef-93e5-e96b477bc8c2": [ "757f0fae-077c-4617-b8f9-cee37958fa91" ], "5f1903b1-2ae0-4c7c-8503-53f009295952": [ "757f0fae-077c-4617-b8f9-cee37958fa91" ], "deb73743-58c2-4d9a-8004-7e0212f13462": [ "757f0fae-077c-4617-b8f9-cee37958fa91" ], "6cedd264-d892-44d5-8791-d9e545e87ce5": [ "757f0fae-077c-4617-b8f9-cee37958fa91" ], "49ac52a8-b99f-4dbf-bf5c-59fffeee451f": [ "ec6d379b-d7aa-406c-8074-2c552083af7d" ], "2cb5cf84-0c25-4844-babb-d2de76653d57": [ "ec6d379b-d7aa-406c-8074-2c552083af7d" ], "9bb00780-4eaa-4cc9-957a-626873dd7036": [ "ec6d379b-d7aa-406c-8074-2c552083af7d" ], "c357c9bc-dbf2-4b2a-ba1e-941bb5a4a5a4": [ "ec6d379b-d7aa-406c-8074-2c552083af7d" ], "84058be0-0e44-45f5-b2ad-1564648c6b84": [ "ec6d379b-d7aa-406c-8074-2c552083af7d" ], "2aadd284-9805-4708-85b3-8c9a153c2efc": [ "ec6d379b-d7aa-406c-8074-2c552083af7d" ], "bbaaba4f-d6ee-4cc2-a04d-6a99e8c93ab7": [ "ec6d379b-d7aa-406c-8074-2c552083af7d" ], "76d598fc-9e09-4ff8-9485-e9bd58c037d4": [ "ec6d379b-d7aa-406c-8074-2c552083af7d" ], "ac4bc6ae-fb7b-478b-b317-eae9a71c729a": [ "ec6d379b-d7aa-406c-8074-2c552083af7d" ], "7d1cab52-aec6-4e3b-bddb-0b2dd3b75262": [ "ec6d379b-d7aa-406c-8074-2c552083af7d" ], "78755d9a-a4e7-4946-b7f2-ae9b0af8e53f": [ "45004e22-c1cc-429c-8fd0-dcac19e7c1dd" ], "fae798a2-3fb5-41b8-86be-5cecfdfe09d8": [ "45004e22-c1cc-429c-8fd0-dcac19e7c1dd" ], "bf52db30-a35b-4ccd-b055-89f6d4f69a4c": [ "45004e22-c1cc-429c-8fd0-dcac19e7c1dd" ], "2dcb3b0b-2433-4fe2-bad0-3a598d099674": [ "45004e22-c1cc-429c-8fd0-dcac19e7c1dd" ], "5ecc9675-e816-4e17-b89b-5cdd29850f8a": [ "45004e22-c1cc-429c-8fd0-dcac19e7c1dd" ], "80b4c416-de8e-4c87-b037-fb68e25d7a56": [ "45004e22-c1cc-429c-8fd0-dcac19e7c1dd" ], "05aa65f0-8703-4b15-a1c8-a4c89b5d909d": [ "45004e22-c1cc-429c-8fd0-dcac19e7c1dd" ], "aa31770b-f9f0-417d-a605-1cdd66991493": [ "45004e22-c1cc-429c-8fd0-dcac19e7c1dd" ], "1014b451-9358-4d0f-a384-43a35d490d36": [ "45004e22-c1cc-429c-8fd0-dcac19e7c1dd" ], "b9dfa9b2-141b-4b5f-b4f8-cc3b74a70c10": [ "45004e22-c1cc-429c-8fd0-dcac19e7c1dd" ], "c3f0d7e0-c238-4996-8541-e931a5caca40": [ "0a54a1f2-dab5-4d42-ba1e-f175afddf6a0" ], "04d1726c-46ca-414d-b0b9-9f5fa7e59add": [ "0a54a1f2-dab5-4d42-ba1e-f175afddf6a0" ], "279d8494-fd0f-4fb3-a67b-4366a116aede": [ "0a54a1f2-dab5-4d42-ba1e-f175afddf6a0" ], "a9f5b55a-10ec-41f2-9fec-34feb27b2f99": [ "0a54a1f2-dab5-4d42-ba1e-f175afddf6a0" ], "7c7b9981-4f54-496f-8747-122fcfe6af1f": [ "0a54a1f2-dab5-4d42-ba1e-f175afddf6a0" ], "dd19febc-10bd-46e2-873d-babdde487780": [ "0a54a1f2-dab5-4d42-ba1e-f175afddf6a0" ], "da560402-59cd-4b11-8b90-d7bedd05112e": [ "0a54a1f2-dab5-4d42-ba1e-f175afddf6a0" ], "4f9b72a3-b7e5-4cab-8fbc-078459e89ace": [ "0a54a1f2-dab5-4d42-ba1e-f175afddf6a0" ], "1c572abe-2267-4e66-ae65-be220978d8a2": [ "0a54a1f2-dab5-4d42-ba1e-f175afddf6a0" ], "079b35ff-a377-4a56-bc6e-e8361014ab08": [ "0a54a1f2-dab5-4d42-ba1e-f175afddf6a0" ], "ad3a22b9-4b20-4189-a823-f378fee7fd7b": [ "90ffb860-c858-4d9e-925e-e66fd56d2386" ], "34c4871c-6dee-4be5-a817-682ba2e6c776": [ "90ffb860-c858-4d9e-925e-e66fd56d2386" ], "5ce2db27-9143-409f-bdeb-613a69950930": [ "90ffb860-c858-4d9e-925e-e66fd56d2386" ], "fd96c749-3fe0-4603-a680-50a88c94eff2": [ "90ffb860-c858-4d9e-925e-e66fd56d2386" ], "6c64e466-33af-4b8d-a47e-0f961895401e": [ "90ffb860-c858-4d9e-925e-e66fd56d2386" ], "cf3563ce-5894-4dfd-b8de-f2e000be6833": [ "90ffb860-c858-4d9e-925e-e66fd56d2386" ], "7bd460ac-8a8e-4e12-9f52-c8d439651a8c": [ "90ffb860-c858-4d9e-925e-e66fd56d2386" ], "4b5a9501-9a84-4606-868b-c7c0996440e3": [ "90ffb860-c858-4d9e-925e-e66fd56d2386" ], "31bbd5cb-01ef-4dfa-bcd9-5b494b1054d5": [ "90ffb860-c858-4d9e-925e-e66fd56d2386" ], "69256d09-5583-4438-a9f9-92878f14c701": [ "90ffb860-c858-4d9e-925e-e66fd56d2386" ], "3cc37d3c-4f7e-4174-91bc-ee3e614ea92b": [ "f7bb870b-4b15-43e8-ba01-93c10b95d525" ], "6a5cf6f7-71bc-4de0-bddd-29cc71e1f570": [ "f7bb870b-4b15-43e8-ba01-93c10b95d525" ], "e4b6b609-2321-4e42-97fe-7607133c41a9": [ "f7bb870b-4b15-43e8-ba01-93c10b95d525" ], "26b0a1e9-784d-40f3-b123-cf4f9dc27668": [ "f7bb870b-4b15-43e8-ba01-93c10b95d525" ], "53399152-8009-4acd-9ed0-4a37a8d5b782": [ "f7bb870b-4b15-43e8-ba01-93c10b95d525" ], "bca669b7-7ed5-42af-a997-b81e78637272": [ "f7bb870b-4b15-43e8-ba01-93c10b95d525" ], "48a433cd-ea2c-41fb-97ae-82df86c36b18": [ "f7bb870b-4b15-43e8-ba01-93c10b95d525" ], "9ce97d40-1e5b-4634-b064-e0f7318f4648": [ "f7bb870b-4b15-43e8-ba01-93c10b95d525" ], "f3c1c5d3-5fcf-44b8-87f7-1b1b559bbef7": [ "f7bb870b-4b15-43e8-ba01-93c10b95d525" ], "7be39adf-cae8-43b9-baef-57512a6b24ad": [ "f7bb870b-4b15-43e8-ba01-93c10b95d525" ], "984d00a2-9cf8-474a-ace7-55897db0fe3e": [ "ed973a4b-07ab-4445-b01b-34fa92b86126" ], "b3aaaa2a-0f0c-47aa-b3b2-bb77bf860b4c": [ "ed973a4b-07ab-4445-b01b-34fa92b86126" ], "e0389c21-1d8c-4f7c-8564-9354dbc36625": [ "ed973a4b-07ab-4445-b01b-34fa92b86126" ], "446a25bb-a778-466d-b2f3-1f4eec1c20a6": [ "ed973a4b-07ab-4445-b01b-34fa92b86126" ], "aad4e4d4-83f2-4570-b6fa-6e3801476e46": [ "ed973a4b-07ab-4445-b01b-34fa92b86126" ], "3be5ffeb-2e4c-41a3-a7bd-90f9e3cc0210": [ "ed973a4b-07ab-4445-b01b-34fa92b86126" ], "fe2c3909-be67-4682-a66c-fb7efc01ce78": [ "ed973a4b-07ab-4445-b01b-34fa92b86126" ], "af4380e4-0f75-4164-95ee-c7d17bfa7485": [ "ed973a4b-07ab-4445-b01b-34fa92b86126" ], "a2e801da-5ca1-4f0d-8cb7-a93f0d97e92b": [ "ed973a4b-07ab-4445-b01b-34fa92b86126" ], "9ad6821b-8199-4d03-8359-605df5d97d12": [ "ed973a4b-07ab-4445-b01b-34fa92b86126" ], "eda40693-9ba2-4dd1-bf04-737a7ee8988a": [ "12502f56-415e-4bcb-af75-40dba144a354" ], "98de1cb5-5b20-4407-9e58-2a56a1da6e51": [ "12502f56-415e-4bcb-af75-40dba144a354" ], "5b1ec078-4e81-416d-8ae2-86fa26253c68": [ "12502f56-415e-4bcb-af75-40dba144a354" ], "aba89252-b2d2-4217-a02e-a720da655c3b": [ "12502f56-415e-4bcb-af75-40dba144a354" ], "8dbabd48-5cb3-4ef9-ad78-ba3b62451904": [ "12502f56-415e-4bcb-af75-40dba144a354" ], "d1b98b83-4ee8-437e-8bce-859581d771bb": [ "12502f56-415e-4bcb-af75-40dba144a354" ], "78b3a680-8918-4bd5-b8a8-23a9517f3d54": [ "12502f56-415e-4bcb-af75-40dba144a354" ], "64b496cf-e1ac-4c06-96a5-590469492541": [ "12502f56-415e-4bcb-af75-40dba144a354" ], "d0422fac-7030-4584-935d-ac0770148625": [ "12502f56-415e-4bcb-af75-40dba144a354" ], "0ddba706-557d-49ea-a2d3-78313e670da7": [ "12502f56-415e-4bcb-af75-40dba144a354" ], "4cb0975a-e347-4ec2-b6ad-a49f1f774ac4": [ "092d6323-246c-417f-8273-575dc4cc63ee" ], "e3c0d327-1972-4932-b963-06c86d2b60bc": [ "092d6323-246c-417f-8273-575dc4cc63ee" ], "458fbd8a-aee3-4c74-ae2b-b24f5149bf41": [ "092d6323-246c-417f-8273-575dc4cc63ee" ], "9482a682-4175-48ec-a591-b018685fccc9": [ "092d6323-246c-417f-8273-575dc4cc63ee" ], "5cfb6ed0-ae6b-4859-b88c-940aacaf082f": [ "092d6323-246c-417f-8273-575dc4cc63ee" ], "48c75dc5-13d5-4e54-b788-c8afe89554b9": [ "092d6323-246c-417f-8273-575dc4cc63ee" ], "c31bebe7-8495-4e0a-8a73-fc45044a3ad2": [ "092d6323-246c-417f-8273-575dc4cc63ee" ], "08531752-853a-4b5a-afac-a931fc95bca8": [ "092d6323-246c-417f-8273-575dc4cc63ee" ], "b853cd7d-c83f-4aad-9a21-d7c4d88264ec": [ "092d6323-246c-417f-8273-575dc4cc63ee" ], "0d4ffdcc-0490-491a-8ec1-94abf0c0535d": [ "092d6323-246c-417f-8273-575dc4cc63ee" ], "332eb697-9739-49b6-bc28-101c77870782": [ "7f01f87b-3a91-4d83-a747-16b9b037a487" ], "8644cadc-9bb5-486c-a5b3-177f9bc0a55a": [ "7f01f87b-3a91-4d83-a747-16b9b037a487" ], "4b121e3d-b4c4-4d31-a707-6750aeadbfb3": [ "7f01f87b-3a91-4d83-a747-16b9b037a487" ], "aa8b0377-638f-482f-8d6a-d601873fe993": [ "7f01f87b-3a91-4d83-a747-16b9b037a487" ], "7d0660b2-66d1-48dc-8a13-14b5097683ee": [ "7f01f87b-3a91-4d83-a747-16b9b037a487" ], "0d8dacb8-4df2-44f1-b1be-2a575c84fcaf": [ "7f01f87b-3a91-4d83-a747-16b9b037a487" ], "b6065577-38c7-4637-bfcc-f21ff0ef1fdd": [ "7f01f87b-3a91-4d83-a747-16b9b037a487" ], "cecc3139-bdff-4b2a-93ad-1b065b894020": [ "7f01f87b-3a91-4d83-a747-16b9b037a487" ], "2ecd264c-fd2c-4d18-a7d2-8c2bc19c369c": [ "7f01f87b-3a91-4d83-a747-16b9b037a487" ], "25aed027-a8d9-416b-b666-97a649ce629e": [ "7f01f87b-3a91-4d83-a747-16b9b037a487" ], "ccbb5471-90a8-432f-b85a-2726c1b7bf03": [ "9066e50b-01c2-4086-8583-80b8019f7963" ], "86726a64-eb65-44b8-a3aa-7073a611213d": [ "9066e50b-01c2-4086-8583-80b8019f7963" ], "c9553c91-d9b9-451b-a7f6-627d23d98bd0": [ "9066e50b-01c2-4086-8583-80b8019f7963" ], "127ac1f1-8cc5-479d-98b2-072df881d994": [ "9066e50b-01c2-4086-8583-80b8019f7963" ], "bc7ca8c2-2ba9-4d7c-b250-c02d20c46f78": [ "9066e50b-01c2-4086-8583-80b8019f7963" ], "0a0fe803-8611-418f-a251-d1a5a874e1d8": [ "9066e50b-01c2-4086-8583-80b8019f7963" ], "cabc5121-d4e8-4af5-93ae-2e52612ca01c": [ "9066e50b-01c2-4086-8583-80b8019f7963" ], "086b5927-f573-490c-a238-d37312f2cf16": [ "9066e50b-01c2-4086-8583-80b8019f7963" ], "56f2def1-811f-4a19-af4d-e4af462e768d": [ "9066e50b-01c2-4086-8583-80b8019f7963" ], "7febd391-a064-4c0b-849c-ee9a3e7a9fde": [ "9066e50b-01c2-4086-8583-80b8019f7963" ], "de607518-e569-4cb8-9610-79e2bc425f0c": [ "c9f6bb0d-5ab7-41ca-b063-15e032693ed0" ], "0e81de13-0fc8-4aac-8da7-82998369ac65": [ "c9f6bb0d-5ab7-41ca-b063-15e032693ed0" ], "6d643462-a8f7-4fed-884e-ec2fea242f80": [ "c9f6bb0d-5ab7-41ca-b063-15e032693ed0" ], "439e10f7-25cf-4dc6-b5d6-7b5b92426c05": [ "c9f6bb0d-5ab7-41ca-b063-15e032693ed0" ], "211cfee7-1c2e-484e-a890-ff1ddb8d02ba": [ "c9f6bb0d-5ab7-41ca-b063-15e032693ed0" ], "76e3182e-467d-4eb6-a7d0-a2cba5a514f8": [ "c9f6bb0d-5ab7-41ca-b063-15e032693ed0" ], "5947e132-67c0-4457-9d96-4704df40891d": [ "c9f6bb0d-5ab7-41ca-b063-15e032693ed0" ], "ea72d89e-5686-4933-9396-789b64c36555": [ "c9f6bb0d-5ab7-41ca-b063-15e032693ed0" ], "39d7d048-f516-4808-b100-695ff14fb35d": [ "c9f6bb0d-5ab7-41ca-b063-15e032693ed0" ], "65a9807b-d157-42ba-94fa-f4bcfa15a1ed": [ "c9f6bb0d-5ab7-41ca-b063-15e032693ed0" ], "4854d627-4c95-4dcf-94fa-3d73275652c2": [ "80f09d8b-9974-4fa3-9ec5-7080473d43aa" ], "eca1dedb-7f67-42a9-831d-c14f688cd39d": [ "80f09d8b-9974-4fa3-9ec5-7080473d43aa" ], "ef685846-c9f2-4f3e-afbf-3ece3feece8e": [ "80f09d8b-9974-4fa3-9ec5-7080473d43aa" ], "38221571-e182-4127-a041-447f690fefe2": [ "80f09d8b-9974-4fa3-9ec5-7080473d43aa" ], "45a9e76a-d523-4b21-b5d2-ab2628418c98": [ "80f09d8b-9974-4fa3-9ec5-7080473d43aa" ], "fd2f6b0a-6e36-45e8-8ed7-3a8735c861d9": [ "80f09d8b-9974-4fa3-9ec5-7080473d43aa" ], "7454eca9-7ff2-4f96-811e-34c5011590c8": [ "80f09d8b-9974-4fa3-9ec5-7080473d43aa" ], "e35ba990-c109-40fe-9798-26480dddc23e": [ "80f09d8b-9974-4fa3-9ec5-7080473d43aa" ], "42a6fad3-8f23-49b2-9eb0-8dc8ca0e6810": [ "80f09d8b-9974-4fa3-9ec5-7080473d43aa" ], "e4f82ccb-b565-422e-8a86-4da74b06de42": [ "80f09d8b-9974-4fa3-9ec5-7080473d43aa" ], "a3ae0d2f-96fa-4b40-9afd-f54e6a5c6412": [ "3a60e887-d8cd-4640-883f-8aa59cee0c19" ], "89cdc1aa-f6f0-4cf5-bec7-79ef81825df3": [ "3a60e887-d8cd-4640-883f-8aa59cee0c19" ], "0825006e-36ff-4acd-8ba2-5494f8adbf17": [ "3a60e887-d8cd-4640-883f-8aa59cee0c19" ], "fd7e29cd-26a5-4650-a5e6-ea370052033f": [ "3a60e887-d8cd-4640-883f-8aa59cee0c19" ], "6013de63-402a-4897-a892-29a8c32cf50e": [ "3a60e887-d8cd-4640-883f-8aa59cee0c19" ], "5ee7687b-72a3-49c5-b7c7-089c54a1cdd1": [ "3a60e887-d8cd-4640-883f-8aa59cee0c19" ], "e336ba66-b6e5-4c61-bef7-7fea3e12af1f": [ "3a60e887-d8cd-4640-883f-8aa59cee0c19" ], "2f188a18-fb03-4020-b546-1bf2445f4c0f": [ "3a60e887-d8cd-4640-883f-8aa59cee0c19" ], "adb0b207-3880-442d-8839-599d8276ea32": [ "3a60e887-d8cd-4640-883f-8aa59cee0c19" ], "2c0e2e0d-ebc2-46a4-a4b3-e45465aab268": [ "3a60e887-d8cd-4640-883f-8aa59cee0c19" ], "a7eefe13-ba82-4a95-a40d-38712f86614b": [ "8727642d-55c6-4a4c-948c-87cc5e469976" ], "e281a75b-2b80-4362-9fa4-4bf07ad060c1": [ "8727642d-55c6-4a4c-948c-87cc5e469976" ], "58c3223b-73bd-4609-ace1-c5f3c84db945": [ "8727642d-55c6-4a4c-948c-87cc5e469976" ], "9d532419-21d3-41a3-8a21-d99aaed3114a": [ "8727642d-55c6-4a4c-948c-87cc5e469976" ], "2c7d6642-e97c-4a4b-9570-96b8e2360260": [ "8727642d-55c6-4a4c-948c-87cc5e469976" ], "460c8bee-c73d-4118-abaf-16958cc4970e": [ "8727642d-55c6-4a4c-948c-87cc5e469976" ], "f2c19b05-7b51-42a0-902b-b425f030e2b6": [ "8727642d-55c6-4a4c-948c-87cc5e469976" ], "9dc67bca-c2a1-4630-9838-6dc8f6708a53": [ "8727642d-55c6-4a4c-948c-87cc5e469976" ], "c55e3c55-99e3-4931-921d-ca89a37b7582": [ "8727642d-55c6-4a4c-948c-87cc5e469976" ], "2c7a721f-c03d-4ce7-9292-cdbcc4a41d9e": [ "8727642d-55c6-4a4c-948c-87cc5e469976" ], "bccd9f83-4e36-442b-8dcd-b53c62a5699b": [ "0a8f28ae-aba7-4bc8-a800-dd518e619864" ], "19b21bdd-86e5-4c5d-9682-7747d31a5a51": [ "0a8f28ae-aba7-4bc8-a800-dd518e619864" ], "000ad29f-54bf-4448-8d28-43958df63f79": [ "0a8f28ae-aba7-4bc8-a800-dd518e619864" ], "95d4722a-3307-462a-a175-1652b7105cde": [ "0a8f28ae-aba7-4bc8-a800-dd518e619864" ], "72a8e832-1988-4d08-a55b-6c5059fbe556": [ "0a8f28ae-aba7-4bc8-a800-dd518e619864" ], "2b146a5d-56a2-4aee-b15e-4427b6df5c51": [ "0a8f28ae-aba7-4bc8-a800-dd518e619864" ], "e32eb1c3-f485-4664-a4ad-dc7d8a1b24a4": [ "0a8f28ae-aba7-4bc8-a800-dd518e619864" ], "43597b60-a3c4-4995-a6ce-6eee882ce706": [ "0a8f28ae-aba7-4bc8-a800-dd518e619864" ], "a54875a9-375d-4841-976f-afcecede987e": [ "0a8f28ae-aba7-4bc8-a800-dd518e619864" ], "33bed9f6-58b8-4ea8-8342-5fbf902c08e4": [ "0a8f28ae-aba7-4bc8-a800-dd518e619864" ], "323bc987-4109-400d-960d-1635be66891a": [ "da5f3b61-23d1-460a-8d0e-2ff4ec0b6def" ], "de6f96dd-cef8-4940-b86e-39dd0a0a76bf": [ "da5f3b61-23d1-460a-8d0e-2ff4ec0b6def" ], "e3e1e763-d0fc-4891-be1a-bf59b4d64ea2": [ "da5f3b61-23d1-460a-8d0e-2ff4ec0b6def" ], "7d90ab12-1e22-4ed0-813b-ea262ee5c4a7": [ "da5f3b61-23d1-460a-8d0e-2ff4ec0b6def" ], "6fc1e539-a617-4d39-909a-c68ced521746": [ "da5f3b61-23d1-460a-8d0e-2ff4ec0b6def" ], "b30c6a81-65b5-438f-a35e-9624d1994c36": [ "da5f3b61-23d1-460a-8d0e-2ff4ec0b6def" ], "535f7ec2-445d-43b5-a815-5a1a470d720b": [ "da5f3b61-23d1-460a-8d0e-2ff4ec0b6def" ], "8687f0d8-b1a6-484f-a923-ca4c71bb07ae": [ "da5f3b61-23d1-460a-8d0e-2ff4ec0b6def" ], "a34426e4-eab9-462b-bb68-e3e8c8954318": [ "da5f3b61-23d1-460a-8d0e-2ff4ec0b6def" ], "0c892c85-0f41-477d-ad1e-61605aabb435": [ "da5f3b61-23d1-460a-8d0e-2ff4ec0b6def" ], "d93f5962-f452-4217-8c1e-7fb07c4b580d": [ "ec45d5db-6843-4026-bb59-032399e423b5" ], "0369a7d7-c2b0-41c9-ab94-5cd06cc9c675": [ "ec45d5db-6843-4026-bb59-032399e423b5" ], "f78d499e-2a2a-43c0-9e76-44bc1e3549f3": [ "ec45d5db-6843-4026-bb59-032399e423b5" ], "53c56e93-f9a2-4b32-8ce5-5be117d043f4": [ "ec45d5db-6843-4026-bb59-032399e423b5" ], "7e25473c-b32a-4acd-823c-2213a5f51445": [ "ec45d5db-6843-4026-bb59-032399e423b5" ], "f79e7ebd-0371-480d-b025-eeee5bc26a67": [ "ec45d5db-6843-4026-bb59-032399e423b5" ], "e8c5b949-1f22-478c-8c72-bccc18f7c350": [ "ec45d5db-6843-4026-bb59-032399e423b5" ], "4a8259ae-1a71-4e4b-8536-2dc818f31a01": [ "ec45d5db-6843-4026-bb59-032399e423b5" ], "c438a46a-149b-4fca-8fda-91ea3b0ad52e": [ "ec45d5db-6843-4026-bb59-032399e423b5" ], "8e245ccc-15f3-4dc8-9e81-88420e3670d4": [ "ec45d5db-6843-4026-bb59-032399e423b5" ], "d0b854cb-4b9c-4820-9266-8344728d9591": [ "eee121f0-7d1a-4d10-a4b1-f4e1be2248c4" ], "11823288-b76f-4c2b-8ec6-10382934d478": [ "eee121f0-7d1a-4d10-a4b1-f4e1be2248c4" ], "dda48218-c6b4-4436-9742-3f98dd21bee0": [ "eee121f0-7d1a-4d10-a4b1-f4e1be2248c4" ], "c4e5bcab-5ba1-4a62-8b3d-0f5ed045c19e": [ "eee121f0-7d1a-4d10-a4b1-f4e1be2248c4" ], "d631cfb0-3fe1-4de3-8d5f-40c26c8681fd": [ "eee121f0-7d1a-4d10-a4b1-f4e1be2248c4" ], "6281122a-5856-4a33-8432-a65425b3c5e8": [ "eee121f0-7d1a-4d10-a4b1-f4e1be2248c4" ], "023d63d4-52ca-4d27-8a12-feb002b4d844": [ "eee121f0-7d1a-4d10-a4b1-f4e1be2248c4" ], "44b20216-090a-4ac5-b11e-637d7d8e0f39": [ "eee121f0-7d1a-4d10-a4b1-f4e1be2248c4" ], "71801322-81fc-4c99-8be4-927f3a3b27c3": [ "eee121f0-7d1a-4d10-a4b1-f4e1be2248c4" ], "6e45743f-4147-455f-ae03-97e3507d1ffb": [ "eee121f0-7d1a-4d10-a4b1-f4e1be2248c4" ], "def7593e-c842-43d3-aece-cfd0c5c5a13e": [ "fabdcc06-8935-45a1-953f-3aa2dacb9822" ], "b7016fa9-5ccd-4a4f-a70b-b96a161ce90d": [ "fabdcc06-8935-45a1-953f-3aa2dacb9822" ], "f9a5168d-509c-45f1-a3fe-deac5b85f89f": [ "fabdcc06-8935-45a1-953f-3aa2dacb9822" ], "2d9a4122-91c7-4ac7-84a6-954b411f9d24": [ "fabdcc06-8935-45a1-953f-3aa2dacb9822" ], "1c507401-9a58-4a18-b93c-9901f74746b3": [ "fabdcc06-8935-45a1-953f-3aa2dacb9822" ], "ca18d910-f6e4-4b55-9c73-4dc1a4d2546c": [ "fabdcc06-8935-45a1-953f-3aa2dacb9822" ], "0e2426bb-7683-4c1b-861f-e1ff3209ec14": [ "fabdcc06-8935-45a1-953f-3aa2dacb9822" ], "96e75ba8-85ee-479b-a4e1-bb15c33ebcc1": [ "fabdcc06-8935-45a1-953f-3aa2dacb9822" ], "61a1f27b-8ede-4881-9302-7de131ecbf98": [ "fabdcc06-8935-45a1-953f-3aa2dacb9822" ], "b7bdf202-fdd3-4548-a014-2c61c644a417": [ "fabdcc06-8935-45a1-953f-3aa2dacb9822" ], "96cb0b8b-ca84-49ea-a414-c5e2a8148e5f": [ "4d2f5eb9-08c3-4599-8d27-181549a0c225" ], "dda4234e-f0ee-4cac-9ac8-ffb57c688ecb": [ "4d2f5eb9-08c3-4599-8d27-181549a0c225" ], "7cd2ea6b-6488-40c3-ab66-2ee6bc89fb99": [ "4d2f5eb9-08c3-4599-8d27-181549a0c225" ], "86d35730-00dd-46e8-9691-e4c6e2b9ba1e": [ "4d2f5eb9-08c3-4599-8d27-181549a0c225" ], "5f51e4ad-06d0-4501-b050-3503b6a81b39": [ "4d2f5eb9-08c3-4599-8d27-181549a0c225" ], "ff7c3f0a-aa30-4caa-adbd-a85874a8a0e2": [ "4d2f5eb9-08c3-4599-8d27-181549a0c225" ], "b2898855-40ba-481a-9a75-4b3f18420c00": [ "4d2f5eb9-08c3-4599-8d27-181549a0c225" ], "26602205-0bf1-4519-abc3-3bc90190709b": [ "4d2f5eb9-08c3-4599-8d27-181549a0c225" ], "31474f0c-965b-4b43-953c-5d4619e9f336": [ "4d2f5eb9-08c3-4599-8d27-181549a0c225" ], "c03e993d-9dc3-4433-b936-0accf22fe06f": [ "4d2f5eb9-08c3-4599-8d27-181549a0c225" ], "72d9e40f-f385-461d-8b01-ded09981b064": [ "67fdd908-36dd-4be7-84f4-c7a7f96b5a43" ], "6033b961-3ee1-47fe-a196-b90d02ac71b6": [ "67fdd908-36dd-4be7-84f4-c7a7f96b5a43" ], "830f97fa-25f7-4bf4-9773-3edacabde73f": [ "67fdd908-36dd-4be7-84f4-c7a7f96b5a43" ], "792dc530-7523-4163-8c11-c8dcae4215af": [ "67fdd908-36dd-4be7-84f4-c7a7f96b5a43" ], "6b4cf455-0696-4ca5-b56d-b2e587c0799f": [ "67fdd908-36dd-4be7-84f4-c7a7f96b5a43" ], "65f1f4dc-d934-4f68-afb8-6f083b7e4302": [ "67fdd908-36dd-4be7-84f4-c7a7f96b5a43" ], "601a1e31-5bfd-439a-9208-8e6e5db9ebb1": [ "67fdd908-36dd-4be7-84f4-c7a7f96b5a43" ], "9c7f8cb5-f7c7-4eb7-98d6-218bc8f93899": [ "67fdd908-36dd-4be7-84f4-c7a7f96b5a43" ], "316fb566-b713-491e-93dd-fb5a4eb7f5a7": [ "67fdd908-36dd-4be7-84f4-c7a7f96b5a43" ], "ddb066a8-681c-4898-b428-e26cd15d494b": [ "67fdd908-36dd-4be7-84f4-c7a7f96b5a43" ], "dee69f6a-cc9f-4b9d-921a-0bafc3986eb2": [ "a4d3b8d8-c428-4d54-a29b-2d12799c0f26" ], "84efc967-8d76-4529-9ba6-a69b76230ea4": [ "a4d3b8d8-c428-4d54-a29b-2d12799c0f26" ], "fd863534-582c-4fc9-89ad-ce96964d6bcb": [ "a4d3b8d8-c428-4d54-a29b-2d12799c0f26" ], "c3bf701e-f294-4865-8800-af588c68c1ed": [ "a4d3b8d8-c428-4d54-a29b-2d12799c0f26" ], "5e7765f6-929e-4b72-8274-cbe272473020": [ "a4d3b8d8-c428-4d54-a29b-2d12799c0f26" ], "9c78865a-efa9-4b75-8df5-f92cc815e43d": [ "a4d3b8d8-c428-4d54-a29b-2d12799c0f26" ], "fd705788-b981-4455-97dd-1f811aa7a575": [ "a4d3b8d8-c428-4d54-a29b-2d12799c0f26" ], "c41bfb4f-0263-48d0-92f4-3d98717fb456": [ "a4d3b8d8-c428-4d54-a29b-2d12799c0f26" ], "6906f531-6de4-49b1-96c1-e93cde43f40e": [ "a4d3b8d8-c428-4d54-a29b-2d12799c0f26" ], "efb2b7ff-9f44-43cc-8c51-3cef6e1c0d53": [ "a4d3b8d8-c428-4d54-a29b-2d12799c0f26" ], "3f29b752-85aa-497e-92e8-a68746e2ec8e": [ "eea87cef-d67f-4816-846d-402960e2b6bf" ], "ed52c4c0-3844-4450-b471-9f5aae114656": [ "eea87cef-d67f-4816-846d-402960e2b6bf" ], "7d62f70f-aef9-4d31-b1e6-83055a471dbb": [ "eea87cef-d67f-4816-846d-402960e2b6bf" ], "81d4a9b6-728b-4c37-a5f4-cbc2c08029e0": [ "eea87cef-d67f-4816-846d-402960e2b6bf" ], "f956a07b-fefc-489d-a2db-08ec566bff02": [ "eea87cef-d67f-4816-846d-402960e2b6bf" ], "4af5a693-92e8-4485-afcc-3ae58ab1ebcb": [ "eea87cef-d67f-4816-846d-402960e2b6bf" ], "7f5a327e-7a41-4a52-99f0-06bd1a1233c3": [ "eea87cef-d67f-4816-846d-402960e2b6bf" ], "fe1cbdc6-105b-4a47-b37f-18041d4dba85": [ "eea87cef-d67f-4816-846d-402960e2b6bf" ], "2ea448d1-30d3-47bf-986b-1b90fb3e81b3": [ "eea87cef-d67f-4816-846d-402960e2b6bf" ], "21ac0c74-db12-47c1-909f-7cafd84533c1": [ "eea87cef-d67f-4816-846d-402960e2b6bf" ], "a4403e05-6816-47cc-b62a-c7ab732a6614": [ "1ad34910-2988-4787-87dd-7da3ca1fe10d" ], "6c9926db-1e2b-473d-ae64-f8b8ca4f0eff": [ "1ad34910-2988-4787-87dd-7da3ca1fe10d" ], "afa9b566-6b79-41ad-8dad-f884d23e2e53": [ "1ad34910-2988-4787-87dd-7da3ca1fe10d" ], "c705ac87-52dd-4826-ac7a-c531fa1e6661": [ "1ad34910-2988-4787-87dd-7da3ca1fe10d" ], "aa17b89d-50c0-4883-993c-ebe2fec5bc32": [ "1ad34910-2988-4787-87dd-7da3ca1fe10d" ], "69cc3b45-a947-4136-876a-cd67b04b5503": [ "1ad34910-2988-4787-87dd-7da3ca1fe10d" ], "e0dbf254-54b8-410d-a571-296f616daab9": [ "1ad34910-2988-4787-87dd-7da3ca1fe10d" ], "269072e1-e96b-4a54-8373-cd774dd09165": [ "1ad34910-2988-4787-87dd-7da3ca1fe10d" ], "2ad6fd86-cfe4-42d4-af7f-0a1de9f3087a": [ "1ad34910-2988-4787-87dd-7da3ca1fe10d" ], "6324f1f0-6034-4e5b-9782-152c6b8956ee": [ "1ad34910-2988-4787-87dd-7da3ca1fe10d" ], "2ccaeb18-e130-4a3c-bed2-f285c0cac57c": [ "2b0fa321-c86e-48ad-9350-234791dc5cbb" ], "8ab5d8dd-12ab-4ef2-957e-55174a15cd1d": [ "2b0fa321-c86e-48ad-9350-234791dc5cbb" ], "6e6214f6-3f19-4b46-bc30-889e46b92699": [ "2b0fa321-c86e-48ad-9350-234791dc5cbb" ], "a61eca9f-08be-426e-8dbf-914eb5f22f6d": [ "2b0fa321-c86e-48ad-9350-234791dc5cbb" ], "991c86ec-546c-4ace-b46f-ab1134e8e829": [ "2b0fa321-c86e-48ad-9350-234791dc5cbb" ], "263b00bd-5079-4472-a50d-ce01f093e28b": [ "2b0fa321-c86e-48ad-9350-234791dc5cbb" ], "b644f00f-1ce2-4f40-8abe-7107b8b6604d": [ "2b0fa321-c86e-48ad-9350-234791dc5cbb" ], "cfbd16f6-7dd4-403c-9833-e38375a9941e": [ "2b0fa321-c86e-48ad-9350-234791dc5cbb" ], "02730afd-e88a-48cd-8ec2-e432c90a95f9": [ "2b0fa321-c86e-48ad-9350-234791dc5cbb" ], "067817bf-83d7-4886-85dd-cde32a59a6d8": [ "2b0fa321-c86e-48ad-9350-234791dc5cbb" ], "90e3e447-9e17-476b-bb62-180055c3f5b3": [ "29d032f0-9191-47e0-b2b5-87d61f0b5a7f" ], "04867a8c-db3b-4cd3-8efc-968b83e4c61b": [ "29d032f0-9191-47e0-b2b5-87d61f0b5a7f" ], "d7544552-18ae-4384-934d-0250e8a59e5b": [ "29d032f0-9191-47e0-b2b5-87d61f0b5a7f" ], "30b1b867-f085-4b18-ae4c-9967787529a7": [ "29d032f0-9191-47e0-b2b5-87d61f0b5a7f" ], "105e05ea-2ef5-4f00-9402-988b2d52325d": [ "29d032f0-9191-47e0-b2b5-87d61f0b5a7f" ], "be76c884-0b76-466e-a64f-927203a82600": [ "29d032f0-9191-47e0-b2b5-87d61f0b5a7f" ], "db8a6e8b-1ab8-4602-9b82-0f925491340d": [ "29d032f0-9191-47e0-b2b5-87d61f0b5a7f" ], "52615089-aba4-4062-80b6-bcd8449a0a77": [ "29d032f0-9191-47e0-b2b5-87d61f0b5a7f" ], "17d6deeb-8185-4993-b396-ae035cf94ab2": [ "29d032f0-9191-47e0-b2b5-87d61f0b5a7f" ], "07c01767-2693-4aa0-b18e-8c86c0603215": [ "29d032f0-9191-47e0-b2b5-87d61f0b5a7f" ], "f761d3fe-1578-4e91-a240-351e1cf49f75": [ "63dbf7c7-0f76-43ee-aad7-e610d50f0730" ], "bddc5118-c50e-442b-bfcf-681da2557d19": [ "63dbf7c7-0f76-43ee-aad7-e610d50f0730" ], "495db9c9-d00a-464b-9f1f-2a23365b1114": [ "63dbf7c7-0f76-43ee-aad7-e610d50f0730" ], "efa8d5cd-1f46-4ed1-a8cb-7633a7dc6e15": [ "63dbf7c7-0f76-43ee-aad7-e610d50f0730" ], "40e6c06e-445c-4e0b-8d86-1fb00858bf9a": [ "63dbf7c7-0f76-43ee-aad7-e610d50f0730" ], "5f70333d-0cb7-4a16-96f0-9507060dd666": [ "63dbf7c7-0f76-43ee-aad7-e610d50f0730" ], "1c874f66-ba77-44c0-a095-34dc0f25b71c": [ "63dbf7c7-0f76-43ee-aad7-e610d50f0730" ], "e707eb71-b9e9-48e4-88c3-9b1a4f564443": [ "63dbf7c7-0f76-43ee-aad7-e610d50f0730" ], "a36c0bd2-9da3-4d32-b8df-b8a713aec394": [ "63dbf7c7-0f76-43ee-aad7-e610d50f0730" ], "4ee16a8a-86a6-4e47-8f68-c38226fe36e8": [ "63dbf7c7-0f76-43ee-aad7-e610d50f0730" ], "d2c74df5-a17c-4470-b0a7-26b294e8c774": [ "250600d0-1d5c-461c-b829-ffde6a9e3d3c" ], "35654f39-0451-4f8a-838e-e8a91ac9f6fe": [ "250600d0-1d5c-461c-b829-ffde6a9e3d3c" ], "3727b732-3c0e-4808-b56b-b2ed7cab9aa4": [ "250600d0-1d5c-461c-b829-ffde6a9e3d3c" ], "7cb94c67-a093-4ee6-923e-b2ae18d78970": [ "250600d0-1d5c-461c-b829-ffde6a9e3d3c" ], "01819e02-2c9f-4df2-921e-4a7f933748a5": [ "250600d0-1d5c-461c-b829-ffde6a9e3d3c" ], "a47e4fdd-ea17-494a-9ffd-3fa6a3246d5f": [ "250600d0-1d5c-461c-b829-ffde6a9e3d3c" ], "1cdf6ac0-c34d-45e8-9808-7a99c89438d8": [ "250600d0-1d5c-461c-b829-ffde6a9e3d3c" ], "39a4a682-5b43-4620-9eac-9686d16d97f6": [ "250600d0-1d5c-461c-b829-ffde6a9e3d3c" ], "eeca0034-fbe4-462a-a4be-101d63efde36": [ "250600d0-1d5c-461c-b829-ffde6a9e3d3c" ], "9d1ff131-920c-4daa-bc49-647c675e2403": [ "250600d0-1d5c-461c-b829-ffde6a9e3d3c" ], "0944859d-1ae0-4166-bbec-0ba72ee6b1a2": [ "1d8a79bd-6b90-49f8-974c-96898506b24d" ], "bbf30b79-168d-48b4-bd80-9ccce31db0c2": [ "1d8a79bd-6b90-49f8-974c-96898506b24d" ], "53176167-f144-41d3-929a-6f44e545cb77": [ "1d8a79bd-6b90-49f8-974c-96898506b24d" ], "14d42eac-dd74-412f-aec3-ff8445a83292": [ "1d8a79bd-6b90-49f8-974c-96898506b24d" ], "2c9495b7-b9c7-4417-839d-72e74200edc1": [ "1d8a79bd-6b90-49f8-974c-96898506b24d" ], "f48a118a-9fe9-4b0f-8d2c-41a3df78174f": [ "1d8a79bd-6b90-49f8-974c-96898506b24d" ], "1394865a-df61-4081-92c7-0242b5f74dcb": [ "1d8a79bd-6b90-49f8-974c-96898506b24d" ], "fd5dfa1e-59a8-4632-a777-27612e8bbba2": [ "1d8a79bd-6b90-49f8-974c-96898506b24d" ], "0d3cda94-8a13-4497-af96-1ad8d915dd13": [ "1d8a79bd-6b90-49f8-974c-96898506b24d" ], "5834174d-e833-4166-a5ad-5dd56e6ef248": [ "1d8a79bd-6b90-49f8-974c-96898506b24d" ], "1d268f61-2694-4ac3-8f57-97cfba96f59b": [ "9eb8f3eb-0a7f-44e4-8b8e-671f35ff73a9" ], "3605531a-72c8-4276-b033-eedad3813b73": [ "9eb8f3eb-0a7f-44e4-8b8e-671f35ff73a9" ], "df279850-0f1f-43f3-bde8-b44c9ca167c3": [ "9eb8f3eb-0a7f-44e4-8b8e-671f35ff73a9" ], "87aa33b3-8e7b-4a9c-8cb5-4c74f8b51208": [ "9eb8f3eb-0a7f-44e4-8b8e-671f35ff73a9" ], "2884b2e1-be34-44be-ab3d-bd8dc1b536be": [ "9eb8f3eb-0a7f-44e4-8b8e-671f35ff73a9" ], "b4397c68-3faa-4499-8ee3-0b9a721aa738": [ "9eb8f3eb-0a7f-44e4-8b8e-671f35ff73a9" ], "3d63e773-28cc-405e-bc96-9c36e63b24ea": [ "9eb8f3eb-0a7f-44e4-8b8e-671f35ff73a9" ], "fbed23c8-1bdd-44bc-96cf-2b030cbd4cff": [ "9eb8f3eb-0a7f-44e4-8b8e-671f35ff73a9" ], "4d390912-929f-4aeb-b8f8-e2db90869b9e": [ "9eb8f3eb-0a7f-44e4-8b8e-671f35ff73a9" ], "4ad4289f-f254-4da2-9372-9639533a9153": [ "9eb8f3eb-0a7f-44e4-8b8e-671f35ff73a9" ], "98ceac57-abcb-4b35-a4de-bca58dc0b213": [ "8ab00f08-dd8c-4a9b-875a-9d1c58e17db3" ], "9c257251-1b6d-47df-842d-cfb575f63ff9": [ "8ab00f08-dd8c-4a9b-875a-9d1c58e17db3" ], "a1e4708f-c788-48db-9a0a-bff488a301ca": [ "8ab00f08-dd8c-4a9b-875a-9d1c58e17db3" ], "f2a6fc97-088d-4365-b872-4a6b1b5c974b": [ "8ab00f08-dd8c-4a9b-875a-9d1c58e17db3" ], "eb8b79d7-f40b-4918-9ba0-bfad9fb74bdb": [ "8ab00f08-dd8c-4a9b-875a-9d1c58e17db3" ], "ae3b2460-034e-4e03-bcf4-00fbe178335c": [ "8ab00f08-dd8c-4a9b-875a-9d1c58e17db3" ], "7e9f847e-0a77-44be-9286-cce0b124ef77": [ "8ab00f08-dd8c-4a9b-875a-9d1c58e17db3" ], "91b3e70a-174a-4a67-a905-b1246b0ed42a": [ "8ab00f08-dd8c-4a9b-875a-9d1c58e17db3" ], "60ba8c0f-14d5-455f-939c-08aeff10f9c1": [ "8ab00f08-dd8c-4a9b-875a-9d1c58e17db3" ], "59efaf44-1c4d-409e-9a46-6e3b62197f2a": [ "8ab00f08-dd8c-4a9b-875a-9d1c58e17db3" ], "4348e170-2bf6-463d-924c-6e2fa3f9f34c": [ "a0071e87-86cb-417d-91fe-be29a9f895d1" ], "8a4936bf-11ff-4c3b-bfa8-f5d6e6e6bc49": [ "a0071e87-86cb-417d-91fe-be29a9f895d1" ], "a7c07cda-0d83-4679-aead-9bbdba47e2f4": [ "a0071e87-86cb-417d-91fe-be29a9f895d1" ], "390e1b0f-64d4-427b-bab7-f5678060b94b": [ "a0071e87-86cb-417d-91fe-be29a9f895d1" ], "2abfaeab-18d6-407c-b374-3ec56dea376a": [ "a0071e87-86cb-417d-91fe-be29a9f895d1" ], "ccb96a9a-cacc-433c-b714-ecf7400a99f2": [ "a0071e87-86cb-417d-91fe-be29a9f895d1" ], "21b47b1d-35e4-41c9-b161-6a1862770b6e": [ "a0071e87-86cb-417d-91fe-be29a9f895d1" ], "3245b263-1c08-435a-a84f-2ce93028f546": [ "a0071e87-86cb-417d-91fe-be29a9f895d1" ], "d5bc4c2c-13bf-4976-8f6c-b319b93ea4e9": [ "a0071e87-86cb-417d-91fe-be29a9f895d1" ], "6c71ddc1-572b-45f8-9918-286d9e006bbe": [ "a0071e87-86cb-417d-91fe-be29a9f895d1" ], "d5bc1827-d69b-43da-8c6d-1854f2442012": [ "48770826-edc1-4d08-b6f5-5f8d10221585" ], "8ef1e30d-a6aa-4ca0-9d39-190d52ff37db": [ "48770826-edc1-4d08-b6f5-5f8d10221585" ], "c1f6263e-5a01-49cb-861e-cb9513a09f93": [ "48770826-edc1-4d08-b6f5-5f8d10221585" ], "0b2d1e73-b712-4a85-b193-7d4c2fa84271": [ "48770826-edc1-4d08-b6f5-5f8d10221585" ], "bf39f426-212c-444e-97db-a2067391a213": [ "48770826-edc1-4d08-b6f5-5f8d10221585" ], "3f7de3dd-d91d-4925-9e3d-3b3face2f2c0": [ "48770826-edc1-4d08-b6f5-5f8d10221585" ], "9af47174-1b14-4be1-bc8a-627ac28464db": [ "48770826-edc1-4d08-b6f5-5f8d10221585" ], "6da13a88-8d25-4de1-bca4-4a83ba867f7d": [ "48770826-edc1-4d08-b6f5-5f8d10221585" ], "049968fb-f058-47e2-bcfe-d828fc80b61c": [ "48770826-edc1-4d08-b6f5-5f8d10221585" ], "a5c3db16-3fd6-4164-926d-2f4c064abaf2": [ "48770826-edc1-4d08-b6f5-5f8d10221585" ], "39783ec6-d48e-404e-849a-bd691f4d2c69": [ "9733e65d-c631-4efb-96e4-18804b5e8aef" ], "83859de6-d0bc-441b-8785-f4963e9b3bbd": [ "9733e65d-c631-4efb-96e4-18804b5e8aef" ], "60ec2d66-f5d4-43d0-8573-a61e0c41d290": [ "9733e65d-c631-4efb-96e4-18804b5e8aef" ], "64d85c1e-dc65-4f86-9fcf-a92340a41d1b": [ "9733e65d-c631-4efb-96e4-18804b5e8aef" ], "ca2b20cc-7252-423b-ad07-7d88dd7b0f82": [ "9733e65d-c631-4efb-96e4-18804b5e8aef" ], "cfc28deb-5268-4057-b007-230b9672bd3e": [ "9733e65d-c631-4efb-96e4-18804b5e8aef" ], "de9723b1-5b19-4ff4-88a3-1eea7fb595e5": [ "9733e65d-c631-4efb-96e4-18804b5e8aef" ], "0f634ccc-e31f-4e5e-a093-3a3b5057ae8e": [ "9733e65d-c631-4efb-96e4-18804b5e8aef" ], "5ec3f91b-2c2d-4375-9548-367587feb042": [ "9733e65d-c631-4efb-96e4-18804b5e8aef" ], "c169dc99-6c2c-45ee-9d30-5df1baf8aba7": [ "9733e65d-c631-4efb-96e4-18804b5e8aef" ], "21c974fe-3afa-4e21-bcf3-761fe78febb7": [ "2f097ef1-c1e4-4c8d-8aed-b8b0db932b1c" ], "cf84a6e3-2bfe-4a5b-95d1-135100ee687f": [ "2f097ef1-c1e4-4c8d-8aed-b8b0db932b1c" ], "89b9d838-f6d7-4d3d-aa72-eca90cebf517": [ "2f097ef1-c1e4-4c8d-8aed-b8b0db932b1c" ], "8ea68913-7595-4c71-a016-685cc46082f5": [ "2f097ef1-c1e4-4c8d-8aed-b8b0db932b1c" ], "28d2b5bd-94e5-44bc-b401-b2eda928edee": [ "2f097ef1-c1e4-4c8d-8aed-b8b0db932b1c" ], "d5782263-2a51-4f3c-b2ad-fc83ea4ce8ff": [ "2f097ef1-c1e4-4c8d-8aed-b8b0db932b1c" ], "2bba1243-cb42-40ac-8027-ba3e68e06eb0": [ "2f097ef1-c1e4-4c8d-8aed-b8b0db932b1c" ], "7de72351-f2e2-4878-a63e-f816e208a674": [ "2f097ef1-c1e4-4c8d-8aed-b8b0db932b1c" ], "19d11539-41ed-4a42-a3e4-e472f91d385a": [ "2f097ef1-c1e4-4c8d-8aed-b8b0db932b1c" ], "1eabde9e-9248-475d-a345-528188735c1a": [ "2f097ef1-c1e4-4c8d-8aed-b8b0db932b1c" ], "94df91dd-cfbc-4d3c-9da4-8bc1f622a83a": [ "e05c8fdb-5d29-471d-9834-2768322e56b6" ], "7586ba6d-abd2-4c31-9bab-d4c364733ddf": [ "e05c8fdb-5d29-471d-9834-2768322e56b6" ], "a3e1704e-badc-46cc-b383-4898ff9791ef": [ "e05c8fdb-5d29-471d-9834-2768322e56b6" ], "d5053c4c-d92e-4c07-ab2a-8a7a8245cb34": [ "e05c8fdb-5d29-471d-9834-2768322e56b6" ], "867f404d-b249-4554-a9c3-f3865bcfbb3f": [ "e05c8fdb-5d29-471d-9834-2768322e56b6" ], "7225a676-c483-41be-bcdd-c3491f924cd5": [ "e05c8fdb-5d29-471d-9834-2768322e56b6" ], "2be96c86-37ae-46cd-9644-d059d33ef9d9": [ "e05c8fdb-5d29-471d-9834-2768322e56b6" ], "5c074f3e-3536-48f3-8778-3db129b6bd96": [ "e05c8fdb-5d29-471d-9834-2768322e56b6" ], "5b4f8e17-61af-4ebc-99f1-65d79ed29d5d": [ "e05c8fdb-5d29-471d-9834-2768322e56b6" ], "87fa7868-ca75-4425-9106-bc4d03511a4f": [ "e05c8fdb-5d29-471d-9834-2768322e56b6" ], "0b54f539-a17d-4d34-b96e-19f060543db6": [ "7a4e08af-2fc4-4556-8664-cfda843a1072" ], "3563a9dc-822d-4444-bb1a-1c452bb780b0": [ "7a4e08af-2fc4-4556-8664-cfda843a1072" ], "589f70d8-2417-4f4f-82f7-0b6f6ede6185": [ "7a4e08af-2fc4-4556-8664-cfda843a1072" ], "a8b53550-320a-4383-8b82-ec49fb94dac1": [ "7a4e08af-2fc4-4556-8664-cfda843a1072" ], "ef0fd546-dbd6-4740-bc71-6807beb16a74": [ "7a4e08af-2fc4-4556-8664-cfda843a1072" ], "fa58df2d-fed7-4220-bbcd-3e9e4d44506b": [ "7a4e08af-2fc4-4556-8664-cfda843a1072" ], "157aacdf-d466-47b7-a22c-0530612b7f81": [ "7a4e08af-2fc4-4556-8664-cfda843a1072" ], "273ac627-a157-40d0-83ee-0ef51c978d37": [ "7a4e08af-2fc4-4556-8664-cfda843a1072" ], "7d037c7c-df7f-4612-a4f0-37e40abd9fe5": [ "7a4e08af-2fc4-4556-8664-cfda843a1072" ], "34aba48d-834f-45d1-b627-7e85d692b99a": [ "7a4e08af-2fc4-4556-8664-cfda843a1072" ], "4b7b9696-711d-4788-b4d5-291700b96f4c": [ "2e985822-de36-4e1d-9ada-9f09283f24de" ], "b8407574-bb33-46b2-a848-5fe177904ac5": [ "2e985822-de36-4e1d-9ada-9f09283f24de" ], "a614dd6e-b77c-49c5-b7dd-49b282e21ef3": [ "2e985822-de36-4e1d-9ada-9f09283f24de" ], "5b44723f-436a-4ffe-9d2b-ebc8c86ade39": [ "2e985822-de36-4e1d-9ada-9f09283f24de" ], "aef7410e-4275-443e-8846-727bd03e074f": [ "2e985822-de36-4e1d-9ada-9f09283f24de" ], "6873f816-d304-4b32-8201-4e52803c910c": [ "2e985822-de36-4e1d-9ada-9f09283f24de" ], "f30f8377-0ad6-432d-bf50-b6eb4695ae6f": [ "2e985822-de36-4e1d-9ada-9f09283f24de" ], "238c5ee5-d124-4c76-a6e4-d5debdb7cddc": [ "2e985822-de36-4e1d-9ada-9f09283f24de" ], "f91e3ac7-d391-4b8a-87ac-ec5e7d78d2da": [ "2e985822-de36-4e1d-9ada-9f09283f24de" ], "585545a0-fdef-4178-b2c6-5b34bd0aabbb": [ "2e985822-de36-4e1d-9ada-9f09283f24de" ], "4013c964-2372-476a-8b96-bad5eb190477": [ "4edf3ea3-e55c-4657-b6d7-7e00e045708e" ], "e9cfb8f9-71a6-4ea8-b8ac-ce7ecb193742": [ "4edf3ea3-e55c-4657-b6d7-7e00e045708e" ], "ceacdb4d-1990-4838-bd7d-8c704c71484d": [ "4edf3ea3-e55c-4657-b6d7-7e00e045708e" ], "6c005a0a-e45c-4fb1-bb1d-49edae8de23e": [ "4edf3ea3-e55c-4657-b6d7-7e00e045708e" ], "cf6f4b97-71eb-43dd-b2c3-9bc136132eb8": [ "4edf3ea3-e55c-4657-b6d7-7e00e045708e" ], "4c3dafdf-984e-4d39-b82e-0a6717a99803": [ "4edf3ea3-e55c-4657-b6d7-7e00e045708e" ], "cd3d5bc9-f2b6-4bc7-a121-6ae22c8609ca": [ "4edf3ea3-e55c-4657-b6d7-7e00e045708e" ], "6d342e25-78e6-40af-a1fb-d9615451d62c": [ "4edf3ea3-e55c-4657-b6d7-7e00e045708e" ], "6a81c750-c8d9-4a80-b0de-40d51a79beb7": [ "4edf3ea3-e55c-4657-b6d7-7e00e045708e" ], "35133e07-62aa-4122-bee3-b0b5900516e9": [ "4edf3ea3-e55c-4657-b6d7-7e00e045708e" ], "61aed9a4-d28b-450e-9044-6cbe94cdaf8c": [ "cb2e83c0-ccc4-496b-9dc7-8e999277cbf4" ], "7360a257-914f-4305-b861-30d0c27fa6a8": [ "cb2e83c0-ccc4-496b-9dc7-8e999277cbf4" ], "501ad813-dae9-4e23-8227-a7c79bdb0421": [ "cb2e83c0-ccc4-496b-9dc7-8e999277cbf4" ], "ffaff525-ef4b-4350-a3b8-a6c261101f25": [ "cb2e83c0-ccc4-496b-9dc7-8e999277cbf4" ], "882115fd-8545-4954-b96d-4ed30280c61b": [ "cb2e83c0-ccc4-496b-9dc7-8e999277cbf4" ], "e0edb311-c25e-440c-bdd2-6e7054e14fa3": [ "cb2e83c0-ccc4-496b-9dc7-8e999277cbf4" ], "00ab789b-c91d-4914-bb66-7e41f01ab89c": [ "cb2e83c0-ccc4-496b-9dc7-8e999277cbf4" ], "c8fea3d6-4bad-40f7-a48d-2603ff134d4b": [ "cb2e83c0-ccc4-496b-9dc7-8e999277cbf4" ], "4aca0b71-2935-4382-9d1c-ed6798a7728e": [ "cb2e83c0-ccc4-496b-9dc7-8e999277cbf4" ], "c4e03d74-137f-4894-8c2a-d20c0462f26f": [ "cb2e83c0-ccc4-496b-9dc7-8e999277cbf4" ], "6fff7b6c-2603-4cf5-9b18-b0d61697a756": [ "6ed1c072-6560-49e5-807d-f5f82c888602" ], "3d41a400-cb42-4dec-be5b-7ba7b2f723a3": [ "6ed1c072-6560-49e5-807d-f5f82c888602" ], "3059df6d-e37c-42e3-8ae1-0874cfd9ab35": [ "6ed1c072-6560-49e5-807d-f5f82c888602" ], "ecc99fda-a5eb-4710-8cf7-a66c12920b9f": [ "6ed1c072-6560-49e5-807d-f5f82c888602" ], "9b9f3a2a-48fc-4854-954f-ec0b6676195f": [ "6ed1c072-6560-49e5-807d-f5f82c888602" ], "083ea386-bb26-42ca-a765-04b75d2c509d": [ "6ed1c072-6560-49e5-807d-f5f82c888602" ], "d36f75dc-be23-4488-a5d4-eabab3d654db": [ "6ed1c072-6560-49e5-807d-f5f82c888602" ], "21e6ae83-47ae-4e1c-a42e-266b972cc036": [ "6ed1c072-6560-49e5-807d-f5f82c888602" ], "0fc6e74b-fda0-4d6e-8929-33f02ad36c92": [ "6ed1c072-6560-49e5-807d-f5f82c888602" ], "9917ef89-cb70-47a9-bbea-10b164fde1d0": [ "6ed1c072-6560-49e5-807d-f5f82c888602" ], "d58436eb-a415-4157-899d-c6e99413f093": [ "ba7ebe59-0572-4c29-a7c3-52d85f748ee8" ], "0f2bc06f-8a3b-473e-8154-2afb39a77dcb": [ "ba7ebe59-0572-4c29-a7c3-52d85f748ee8" ], "4f513c31-12c6-4dff-aa7c-3f2f35d56961": [ "ba7ebe59-0572-4c29-a7c3-52d85f748ee8" ], "5161fe15-67fb-407d-a388-7f963871ed2c": [ "ba7ebe59-0572-4c29-a7c3-52d85f748ee8" ], "c2872f8e-4f77-48e6-96c8-cb94ba47fad3": [ "ba7ebe59-0572-4c29-a7c3-52d85f748ee8" ], "c5806c51-4f71-4b00-8862-cb8b5eb1ab7f": [ "ba7ebe59-0572-4c29-a7c3-52d85f748ee8" ], "1613244b-acf4-4c14-aa8a-bc48fce3fed4": [ "ba7ebe59-0572-4c29-a7c3-52d85f748ee8" ], "f5980a64-4f9d-44a2-b8e8-dfd4693ee0e9": [ "ba7ebe59-0572-4c29-a7c3-52d85f748ee8" ], "349396c1-7286-495e-90a5-aebd4ec38669": [ "ba7ebe59-0572-4c29-a7c3-52d85f748ee8" ], "ded35312-2ed6-4095-9365-dc345a1981f3": [ "ba7ebe59-0572-4c29-a7c3-52d85f748ee8" ], "1b2a5d0d-99a0-43de-81e1-e28843737607": [ "a59ce8c6-1d32-4a73-9b67-76650e3e433e" ], "adc2955b-23a3-45e0-89db-8167edabcbd9": [ "a59ce8c6-1d32-4a73-9b67-76650e3e433e" ], "ddaadf12-0590-4578-a309-52059bdbc5e3": [ "a59ce8c6-1d32-4a73-9b67-76650e3e433e" ], "43606222-4921-4533-86e7-d3adfcaea69b": [ "a59ce8c6-1d32-4a73-9b67-76650e3e433e" ], "2cf0a455-7e9d-4b9e-9ffb-e12b70d1eec6": [ "a59ce8c6-1d32-4a73-9b67-76650e3e433e" ], "f1790907-e0f1-4647-ac6e-0dc0c5ff0882": [ "a59ce8c6-1d32-4a73-9b67-76650e3e433e" ], "acf4b76e-6e25-4ac9-90ed-4277d1919264": [ "a59ce8c6-1d32-4a73-9b67-76650e3e433e" ], "ca7f7bd7-ef5e-441b-9d08-20e44ce9d2dd": [ "a59ce8c6-1d32-4a73-9b67-76650e3e433e" ], "4189cb3b-dfe0-48fa-a03b-40c646c3b63f": [ "a59ce8c6-1d32-4a73-9b67-76650e3e433e" ], "63a8d8d7-ca0d-4c1e-b091-194e96cf3d52": [ "a59ce8c6-1d32-4a73-9b67-76650e3e433e" ], "706dff78-c60d-4f9f-9eab-b6b3ce659eb0": [ "26c14b7e-5350-4d5d-b0ac-6f04c5936374" ], "b14d53a1-ca83-42c3-b5d3-600afdd2b402": [ "26c14b7e-5350-4d5d-b0ac-6f04c5936374" ], "0cb7c1dd-b29a-4094-93b2-62b50d14cb8e": [ "26c14b7e-5350-4d5d-b0ac-6f04c5936374" ], "b55e1ecb-5325-4799-bd75-93a627f81f6a": [ "26c14b7e-5350-4d5d-b0ac-6f04c5936374" ], "70d1ad30-ff74-49ec-8c53-e46c497a89ae": [ "26c14b7e-5350-4d5d-b0ac-6f04c5936374" ], "d2b718a8-1c86-4883-a2bb-da9e2fdf909a": [ "26c14b7e-5350-4d5d-b0ac-6f04c5936374" ], "bde3e025-281c-46e1-afe5-ad1c00bed482": [ "26c14b7e-5350-4d5d-b0ac-6f04c5936374" ], "a46d348b-027e-4a0f-9838-c24475290101": [ "26c14b7e-5350-4d5d-b0ac-6f04c5936374" ], "0c52fb3c-8d33-4cff-a0de-797aa1c6e62b": [ "26c14b7e-5350-4d5d-b0ac-6f04c5936374" ], "ddf9730a-0565-4f2c-8e5c-521ec34f11ad": [ "26c14b7e-5350-4d5d-b0ac-6f04c5936374" ], "af0e9555-2cbf-4955-a469-e5e4daebf00c": [ "3837b4a1-3c1c-4c54-a53b-b32dce46972f" ], "c0a0894b-0d89-45dd-96ee-b6a1cc9a2bcd": [ "3837b4a1-3c1c-4c54-a53b-b32dce46972f" ], "9122f8f6-089e-4091-8723-1b974d47dc97": [ "3837b4a1-3c1c-4c54-a53b-b32dce46972f" ], "a307f578-1bc4-44f2-8291-31af6738c9e0": [ "3837b4a1-3c1c-4c54-a53b-b32dce46972f" ], "0d7472fb-0355-4bd2-8d23-0cabc6630bdd": [ "3837b4a1-3c1c-4c54-a53b-b32dce46972f" ], "82b4dce7-6b42-41cd-9e10-b82e93864814": [ "3837b4a1-3c1c-4c54-a53b-b32dce46972f" ], "dd0d1b45-722b-4154-be6b-54f9ef09910f": [ "3837b4a1-3c1c-4c54-a53b-b32dce46972f" ], "fe90e5e4-124b-400c-9b79-22342b4deb22": [ "3837b4a1-3c1c-4c54-a53b-b32dce46972f" ], "c1521f2a-d395-465a-8d4d-fd231d40ffa3": [ "3837b4a1-3c1c-4c54-a53b-b32dce46972f" ], "9f7359c7-f855-49ae-8044-29811a90b219": [ "3837b4a1-3c1c-4c54-a53b-b32dce46972f" ], "859e4030-6f5d-49c5-bca3-0c2da7c9ec04": [ "89e4e214-2cbc-4ce8-b8d8-021921e15486" ], "fbade88c-71a1-40ce-8603-30250900708a": [ "89e4e214-2cbc-4ce8-b8d8-021921e15486" ], "1896f566-02ea-4154-9c4a-35660b568a8c": [ "89e4e214-2cbc-4ce8-b8d8-021921e15486" ], "a6d35af4-3eef-4d30-94e1-1d85a33e7689": [ "89e4e214-2cbc-4ce8-b8d8-021921e15486" ], "c9e968ec-0cf5-45dc-a887-62b3a6d5c719": [ "89e4e214-2cbc-4ce8-b8d8-021921e15486" ], "115aa417-8717-4239-a20f-9544bb65e89a": [ "89e4e214-2cbc-4ce8-b8d8-021921e15486" ], "72af1e27-d4ba-40fb-a2e0-c6fe1d727a41": [ "89e4e214-2cbc-4ce8-b8d8-021921e15486" ], "ffb4d7b0-4e34-4615-a303-bdfc4f191595": [ "89e4e214-2cbc-4ce8-b8d8-021921e15486" ], "dc2abfbe-82bf-4129-9daa-42f0358376c8": [ "89e4e214-2cbc-4ce8-b8d8-021921e15486" ], "f7d82344-c8f3-44f9-bc6d-f9e4cd33ab54": [ "89e4e214-2cbc-4ce8-b8d8-021921e15486" ], "25c87d3d-eb0f-459f-b7b1-686cd4031a9d": [ "d9d19fbf-a7ed-4360-9602-05c70c2e6ac2" ], "9a3fe4e5-46fd-44af-b4ba-74bf1b2e205a": [ "d9d19fbf-a7ed-4360-9602-05c70c2e6ac2" ], "2a48afc1-2937-412c-8601-9cb28ebb6967": [ "d9d19fbf-a7ed-4360-9602-05c70c2e6ac2" ], "dfd51c25-6dd3-4bef-b6e9-2f4f59792e55": [ "d9d19fbf-a7ed-4360-9602-05c70c2e6ac2" ], "951a3f48-66b7-48bf-b806-1643a533e4a3": [ "d9d19fbf-a7ed-4360-9602-05c70c2e6ac2" ], "d20ddacf-2bf6-4650-b746-8be5245ee996": [ "d9d19fbf-a7ed-4360-9602-05c70c2e6ac2" ], "2c5c109c-2448-4b0b-8e8f-841511fbcb99": [ "d9d19fbf-a7ed-4360-9602-05c70c2e6ac2" ], "9ae332b0-0ec7-44fe-938b-e8c6ffeb0712": [ "d9d19fbf-a7ed-4360-9602-05c70c2e6ac2" ], "a99b5419-6118-4d78-b485-128f08a9a54a": [ "d9d19fbf-a7ed-4360-9602-05c70c2e6ac2" ], "cc0ea996-2ad9-431f-9bd2-554a9a6cd5b2": [ "d9d19fbf-a7ed-4360-9602-05c70c2e6ac2" ], "c868d94a-0b21-40ff-bf95-030fc2e3776f": [ "80a1c5e9-2e86-41ae-83bc-ddfde150fb5d" ], "7626e83f-b20d-49f6-8657-39f8c66f0593": [ "80a1c5e9-2e86-41ae-83bc-ddfde150fb5d" ], "80b60e77-d18b-4272-b165-4766a1535126": [ "80a1c5e9-2e86-41ae-83bc-ddfde150fb5d" ], "2cb6614b-ac71-499a-83bc-76b728d55392": [ "80a1c5e9-2e86-41ae-83bc-ddfde150fb5d" ], "16ac42cc-8af7-4a1b-ba50-91d40c759544": [ "80a1c5e9-2e86-41ae-83bc-ddfde150fb5d" ], "a6dc730d-4c0e-4aa0-976a-737417a66cab": [ "80a1c5e9-2e86-41ae-83bc-ddfde150fb5d" ], "9905bf18-19d6-4b50-804f-99551fe333bc": [ "80a1c5e9-2e86-41ae-83bc-ddfde150fb5d" ], "53f56476-a82d-4fe6-9614-0d8cc2553cde": [ "80a1c5e9-2e86-41ae-83bc-ddfde150fb5d" ], "22b98b98-7846-48f9-b7f8-077bdbb3f4b0": [ "80a1c5e9-2e86-41ae-83bc-ddfde150fb5d" ], "54295dcd-2ced-45d0-bf14-3d01fca8a16c": [ "80a1c5e9-2e86-41ae-83bc-ddfde150fb5d" ], "857c6076-bbc4-4352-a4dd-b799c9a194a7": [ "6942ad46-6fe7-4a1c-a003-63a7143d65c5" ], "ecf8fdbc-e683-4d46-88d5-e70cbcefac80": [ "6942ad46-6fe7-4a1c-a003-63a7143d65c5" ], "8ac75f99-5b5f-496b-ae83-29fbe242e3bc": [ "6942ad46-6fe7-4a1c-a003-63a7143d65c5" ], "4aeedf37-2890-44be-84da-630e849647ef": [ "6942ad46-6fe7-4a1c-a003-63a7143d65c5" ], "0f8a65de-1a88-4e98-9501-0cfc9a642ebb": [ "6942ad46-6fe7-4a1c-a003-63a7143d65c5" ], "4a286dda-6c2f-4d5c-ad6c-ee8b17c83c09": [ "6942ad46-6fe7-4a1c-a003-63a7143d65c5" ], "58da2dab-8e50-4574-8c29-42202dfcfd97": [ "6942ad46-6fe7-4a1c-a003-63a7143d65c5" ], "dd5e63f4-1c63-44b7-bfd3-d610f237c8db": [ "6942ad46-6fe7-4a1c-a003-63a7143d65c5" ], "0157debb-a1f5-4dd2-b319-9da91b19ec09": [ "6942ad46-6fe7-4a1c-a003-63a7143d65c5" ], "ec82a4e4-8df7-46b8-b26f-b3af60665573": [ "6942ad46-6fe7-4a1c-a003-63a7143d65c5" ], "03a37017-9312-4060-9768-9ff4c4bfca90": [ "264bc2d5-2439-45c2-a772-aebcbbe8e712" ], "c01f3b4e-f1ce-4412-a3a1-6179cdb268e0": [ "264bc2d5-2439-45c2-a772-aebcbbe8e712" ], "f8f46d8d-36a1-4fb9-a12c-3b13c3440a6b": [ "264bc2d5-2439-45c2-a772-aebcbbe8e712" ], "74077766-e09c-493b-8dc6-7ecf4a6308c1": [ "264bc2d5-2439-45c2-a772-aebcbbe8e712" ], "090f7325-cd81-4165-a00a-a60d657e06ed": [ "264bc2d5-2439-45c2-a772-aebcbbe8e712" ], "5f0bfc51-ab84-4ca2-9d71-76b98601e3fc": [ "264bc2d5-2439-45c2-a772-aebcbbe8e712" ], "3a1f13a3-ec6f-46b3-aa36-2b9d75fc41d1": [ "264bc2d5-2439-45c2-a772-aebcbbe8e712" ], "3ecbb975-b086-4a42-9d14-c21d2c758b1f": [ "264bc2d5-2439-45c2-a772-aebcbbe8e712" ], "ae4ceb14-bbca-4595-aa46-50e6932cdf00": [ "264bc2d5-2439-45c2-a772-aebcbbe8e712" ], "3686f8d3-393c-411d-b35a-e96e1a772cd4": [ "264bc2d5-2439-45c2-a772-aebcbbe8e712" ], "db79b4fc-b668-44f5-8ae5-a2e069a4ef6d": [ "6e3a7786-bd16-4530-b98b-af99d300b48c" ], "db0fee47-8719-4600-8018-dd8fc70b47c5": [ "6e3a7786-bd16-4530-b98b-af99d300b48c" ], "a4db6e73-fe43-48f4-bb3e-15242ab21abc": [ "6e3a7786-bd16-4530-b98b-af99d300b48c" ], "21cf67e1-294f-4fc7-9b7e-03d3d60e0574": [ "6e3a7786-bd16-4530-b98b-af99d300b48c" ], "fac28148-9fde-4ca8-b276-c2c365f4d98b": [ "6e3a7786-bd16-4530-b98b-af99d300b48c" ], "583333e5-0a8f-4fe1-8535-fc62c5e4a139": [ "6e3a7786-bd16-4530-b98b-af99d300b48c" ], "3de202a2-a17a-443c-9540-e918c71e9150": [ "6e3a7786-bd16-4530-b98b-af99d300b48c" ], "9711644c-8500-4cac-9bd0-5e3319863f11": [ "6e3a7786-bd16-4530-b98b-af99d300b48c" ], "001799ad-d1b8-46f7-925d-7cdb26c37615": [ "6e3a7786-bd16-4530-b98b-af99d300b48c" ], "3c59eff4-4b81-4c9e-a19d-4a47276d34f1": [ "6e3a7786-bd16-4530-b98b-af99d300b48c" ], "999dec16-b615-4123-a4a2-44a017d23cf2": [ "34fceaea-af99-4777-baf4-825d9a26a386" ], "fd74bb7e-e03f-4f5a-98ff-81a71bcad4f7": [ "34fceaea-af99-4777-baf4-825d9a26a386" ], "a7141b47-6b97-4aa4-b994-0466952dda3c": [ "34fceaea-af99-4777-baf4-825d9a26a386" ], "f24bb096-68c9-4172-89ef-72338a75b3c4": [ "34fceaea-af99-4777-baf4-825d9a26a386" ], "72cc3256-7fe6-483d-ba87-01686ca8f72c": [ "34fceaea-af99-4777-baf4-825d9a26a386" ], "f5d3b20c-b3be-4009-a993-8f972ebb5083": [ "34fceaea-af99-4777-baf4-825d9a26a386" ], "1d5136b3-35f9-40c0-83de-9be51e7d2e07": [ "34fceaea-af99-4777-baf4-825d9a26a386" ], "6021a91d-2324-46c6-a9c2-14f74eab47cf": [ "34fceaea-af99-4777-baf4-825d9a26a386" ], "1e07b90e-f109-468d-a876-c7dd5bac3abc": [ "34fceaea-af99-4777-baf4-825d9a26a386" ], "a169021d-0827-4bb2-9c99-723f3ca09198": [ "34fceaea-af99-4777-baf4-825d9a26a386" ], "b0ef17ad-f4e1-457d-939c-28fd13503e45": [ "595ac993-5ae8-498a-b659-385a522ea65d" ], "5d775953-e2c4-4ae7-9aae-60a05e5bd24d": [ "595ac993-5ae8-498a-b659-385a522ea65d" ], "3f39a9ae-9ef8-4a0e-a6b7-e3924c15e7b3": [ "595ac993-5ae8-498a-b659-385a522ea65d" ], "35b1411a-115b-4e5b-93cf-26639aef71f9": [ "595ac993-5ae8-498a-b659-385a522ea65d" ], "ec0fbd58-4669-4453-ad65-f80a44f86db8": [ "595ac993-5ae8-498a-b659-385a522ea65d" ], "3c81dffd-2129-43a2-a561-ab288f2c3b76": [ "595ac993-5ae8-498a-b659-385a522ea65d" ], "06334daf-138e-4d27-8c41-b2c78221919a": [ "595ac993-5ae8-498a-b659-385a522ea65d" ], "d6137898-d259-48e6-be7a-ae1106f3d59c": [ "595ac993-5ae8-498a-b659-385a522ea65d" ], "a5c49314-e8bb-4f2a-ba8c-9d9c52115aba": [ "595ac993-5ae8-498a-b659-385a522ea65d" ], "0604af32-df7d-45bf-a4f2-c87957e3049b": [ "595ac993-5ae8-498a-b659-385a522ea65d" ], "21dd10e9-7ce9-4011-833f-f39c2eb134dd": [ "61145857-43a4-4775-8d43-45daabaf1c64" ], "0c39eaf3-d3fc-4561-b4bf-a5d8f2fd7a50": [ "61145857-43a4-4775-8d43-45daabaf1c64" ], "385ec531-05c1-459e-b07c-79afe8107517": [ "61145857-43a4-4775-8d43-45daabaf1c64" ], "fd1ad82b-853e-432c-93fe-74d39e53df89": [ "61145857-43a4-4775-8d43-45daabaf1c64" ], "630e8e81-36b4-42b7-b5ad-1e4fd8b83b55": [ "61145857-43a4-4775-8d43-45daabaf1c64" ], "109fddc6-dbf5-4b1f-bb73-29932f75270f": [ "61145857-43a4-4775-8d43-45daabaf1c64" ], "383c2138-9a69-4007-8383-619cc1922b7f": [ "61145857-43a4-4775-8d43-45daabaf1c64" ], "e461d764-b3e0-4583-817b-302049ac2fba": [ "61145857-43a4-4775-8d43-45daabaf1c64" ], "d3692c10-66c3-4dab-ac64-48e5fdcf890b": [ "61145857-43a4-4775-8d43-45daabaf1c64" ], "8d700b50-2011-436f-89ae-58f6c2469bed": [ "61145857-43a4-4775-8d43-45daabaf1c64" ], "32c4c3f6-a31a-4877-8201-ff30eeadd8fe": [ "64b50dca-3f96-4208-be5d-4fec4ef66184" ], "b58fd05e-ce7e-4277-8fb9-b5341ddf0100": [ "64b50dca-3f96-4208-be5d-4fec4ef66184" ], "216c1c67-0382-4e6b-9fae-a71e7c233244": [ "64b50dca-3f96-4208-be5d-4fec4ef66184" ], "8dabeb5c-e98d-4bbc-9ebd-f8ed34fc4f2e": [ "64b50dca-3f96-4208-be5d-4fec4ef66184" ], "f1162c2f-ad63-4e0f-b947-a657df81abdb": [ "64b50dca-3f96-4208-be5d-4fec4ef66184" ], "ab816cf6-4b39-44e3-b349-c22cb33e9e0b": [ "64b50dca-3f96-4208-be5d-4fec4ef66184" ], "3536e6bc-a834-4f72-a70b-e96a06ea2d49": [ "64b50dca-3f96-4208-be5d-4fec4ef66184" ], "dc167245-19c2-4b2f-a3d8-6a351b998bbf": [ "64b50dca-3f96-4208-be5d-4fec4ef66184" ], "1210d2b1-fb6d-4ea6-9359-68d41ec1fcf9": [ "64b50dca-3f96-4208-be5d-4fec4ef66184" ], "076eff9f-2842-4713-ac3f-eb5a51219ea1": [ "64b50dca-3f96-4208-be5d-4fec4ef66184" ], "ac25e15a-0b0c-45cb-aaed-26aa5e3a69ba": [ "e6b0d236-d93e-4561-838e-886dda3fcd65" ], "bea239bc-c452-4e3b-8774-5e0c118ad937": [ "e6b0d236-d93e-4561-838e-886dda3fcd65" ], "5da1f151-e6f2-42fa-9eeb-5e61489c5f6f": [ "e6b0d236-d93e-4561-838e-886dda3fcd65" ], "2efa3b98-9933-4776-b557-fabfd64cb561": [ "e6b0d236-d93e-4561-838e-886dda3fcd65" ], "4527de7a-ca3b-4bb0-bfa2-ef2e64dd155c": [ "e6b0d236-d93e-4561-838e-886dda3fcd65" ], "c7d021c4-bb75-4c6b-ae82-3173485b60fe": [ "e6b0d236-d93e-4561-838e-886dda3fcd65" ], "02f4f8e3-9f33-416a-a394-3b7337b39409": [ "e6b0d236-d93e-4561-838e-886dda3fcd65" ], "b6531cc7-cc7b-4c67-9296-475c92d6ecfc": [ "e6b0d236-d93e-4561-838e-886dda3fcd65" ], "ed116b05-cabe-48a7-b77c-c9edd7da5a02": [ "e6b0d236-d93e-4561-838e-886dda3fcd65" ], "77ea73aa-fadc-40e4-9f75-90d028d5c834": [ "e6b0d236-d93e-4561-838e-886dda3fcd65" ], "55d4301f-5897-4f19-9604-3e691f8e0d2c": [ "dd31b6a9-c723-4d1c-b335-e210f4d92e22" ], "8c87ef09-2541-4a54-92bf-d66fe607774e": [ "dd31b6a9-c723-4d1c-b335-e210f4d92e22" ], "a891290f-870a-4c35-a18e-cdfa8d9f57f3": [ "dd31b6a9-c723-4d1c-b335-e210f4d92e22" ], "8b0a68c0-7483-4420-a4e5-b1d7806691ff": [ "dd31b6a9-c723-4d1c-b335-e210f4d92e22" ], "e8d42af1-f994-45ad-97b8-2e8068f72ad3": [ "dd31b6a9-c723-4d1c-b335-e210f4d92e22" ], "9a65ce6b-ee8a-4672-ab20-691106e22640": [ "dd31b6a9-c723-4d1c-b335-e210f4d92e22" ], "1b559113-8d05-41a1-ab6c-d21e759a974d": [ "dd31b6a9-c723-4d1c-b335-e210f4d92e22" ], "b3c7c138-e712-40d9-a4ba-5e54af8707bc": [ "dd31b6a9-c723-4d1c-b335-e210f4d92e22" ], "0a5001ec-000d-43dc-ac6d-6bbbb7d21f47": [ "dd31b6a9-c723-4d1c-b335-e210f4d92e22" ], "5f12b233-c2c8-4813-9323-57c1a6a0b5e1": [ "dd31b6a9-c723-4d1c-b335-e210f4d92e22" ], "a183a1a7-1476-4920-91bb-e36b816d945c": [ "4a5ecd43-acc0-4c5c-832a-e6770101d486" ], "3e3dd988-06b2-4165-bb3e-a4263416b5fa": [ "4a5ecd43-acc0-4c5c-832a-e6770101d486" ], "f75430df-530b-471c-a061-07205b5b09b8": [ "4a5ecd43-acc0-4c5c-832a-e6770101d486" ], "8de284a6-4eb2-4e32-ab35-3c27865541c0": [ "4a5ecd43-acc0-4c5c-832a-e6770101d486" ], "e246920d-a8be-493d-ae37-3bc91fba3ba8": [ "4a5ecd43-acc0-4c5c-832a-e6770101d486" ], "92661402-586e-456e-96de-c32022e89809": [ "4a5ecd43-acc0-4c5c-832a-e6770101d486" ], "690e66db-fff2-48af-a960-be9369fca758": [ "4a5ecd43-acc0-4c5c-832a-e6770101d486" ], "662bf129-beb0-408f-8065-354723e5c9fd": [ "4a5ecd43-acc0-4c5c-832a-e6770101d486" ], "741a5ae3-4f1a-407e-80cb-70b2a9ba1357": [ "4a5ecd43-acc0-4c5c-832a-e6770101d486" ], "8e87627c-b48a-4267-9371-9ab6e781ea57": [ "4a5ecd43-acc0-4c5c-832a-e6770101d486" ], "deefb333-26ec-4cf7-9819-aa4e2d922bb1": [ "e1970f2b-80be-4059-9f5b-fa1d2979f6b1" ], "e9f485f8-f724-4729-a7ce-4deb536360f7": [ "e1970f2b-80be-4059-9f5b-fa1d2979f6b1" ], "f2ee9bf8-1298-4764-9988-6e9f3d0084dc": [ "e1970f2b-80be-4059-9f5b-fa1d2979f6b1" ], "662c9681-fb07-435d-a4b4-8b3eeb4d3580": [ "e1970f2b-80be-4059-9f5b-fa1d2979f6b1" ], "b11a547b-f3e7-4fb8-b6fc-059cddd1da6d": [ "e1970f2b-80be-4059-9f5b-fa1d2979f6b1" ], "38535c57-f2f9-443b-8efe-97799a1ad7ff": [ "e1970f2b-80be-4059-9f5b-fa1d2979f6b1" ], "fa34b527-5ace-453e-992a-0ab07f7e4b94": [ "e1970f2b-80be-4059-9f5b-fa1d2979f6b1" ], "6e40cf00-84dc-411a-9181-c260c67df309": [ "e1970f2b-80be-4059-9f5b-fa1d2979f6b1" ], "dd28c006-1aff-47c7-895d-a3432ff55f4c": [ "e1970f2b-80be-4059-9f5b-fa1d2979f6b1" ], "be7c190b-31ce-4149-a1e2-592bffa9f2d7": [ "e1970f2b-80be-4059-9f5b-fa1d2979f6b1" ], "cf497472-2d90-4939-a102-89a98c896dc3": [ "095fa98f-3cf3-4596-861b-2072173a4afb" ], "fef94d24-b89a-4fbc-b6bb-cd3e876fcfff": [ "095fa98f-3cf3-4596-861b-2072173a4afb" ], "9be34b50-5ea4-4a60-82a3-b25b35bab44b": [ "095fa98f-3cf3-4596-861b-2072173a4afb" ], "83ae49b6-94fe-4cd1-b20f-85a2c1c0d755": [ "095fa98f-3cf3-4596-861b-2072173a4afb" ], "4bf82c8b-0803-4f0e-8b17-1d75b7bc89e1": [ "095fa98f-3cf3-4596-861b-2072173a4afb" ], "7f03f8e0-215d-48d5-b981-276ab6d29953": [ "095fa98f-3cf3-4596-861b-2072173a4afb" ], "68f7e1de-34ea-4fef-a3a3-1ce0f436764c": [ "095fa98f-3cf3-4596-861b-2072173a4afb" ], "09217ebb-9d45-40c5-9271-94625c84a4f3": [ "095fa98f-3cf3-4596-861b-2072173a4afb" ], "6326d37e-fe14-4f7f-996d-b4724fd516d3": [ "095fa98f-3cf3-4596-861b-2072173a4afb" ], "7473cc0c-86ab-4fc2-9727-707212947ab4": [ "095fa98f-3cf3-4596-861b-2072173a4afb" ], "55883f02-0696-4ded-aa30-d301462592a5": [ "1938b9fb-c96b-47b6-ba72-f973d29dfee0" ], "38ae4a14-b2b4-4eb8-bd57-47a43dd90f30": [ "1938b9fb-c96b-47b6-ba72-f973d29dfee0" ], "4f0c7f40-8f5a-43ab-add0-e713bba4bd54": [ "1938b9fb-c96b-47b6-ba72-f973d29dfee0" ], "99dc2071-b7a1-47db-8488-5cc9dfa1e67f": [ "1938b9fb-c96b-47b6-ba72-f973d29dfee0" ], "5446281b-8a0b-4802-a723-cd39827a17c1": [ "1938b9fb-c96b-47b6-ba72-f973d29dfee0" ], "fd20c484-e2ef-46a9-9ca8-275e3a144ce6": [ "1938b9fb-c96b-47b6-ba72-f973d29dfee0" ], "b971325e-bd51-4971-919c-ca5cbe683733": [ "1938b9fb-c96b-47b6-ba72-f973d29dfee0" ], "45ca369a-196d-40cc-9f66-1bc604c2dae8": [ "1938b9fb-c96b-47b6-ba72-f973d29dfee0" ], "3658a4b9-53a6-4f0b-bbf9-3ee055f72368": [ "1938b9fb-c96b-47b6-ba72-f973d29dfee0" ], "c6de7bdc-b31f-4d3f-8b14-98390d4f10d7": [ "1938b9fb-c96b-47b6-ba72-f973d29dfee0" ], "ddbe866d-7a92-48e1-a2ac-a12192bad711": [ "3cb85a87-68d5-46e1-ba0d-b9c23f59ebde" ], "12013aba-586d-4682-ae8c-69623003106e": [ "3cb85a87-68d5-46e1-ba0d-b9c23f59ebde" ], "0757cfda-0195-4d91-81ef-b058e7d1ce44": [ "3cb85a87-68d5-46e1-ba0d-b9c23f59ebde" ], "6b5c43e8-48a6-4251-ad18-0198cf5791c0": [ "3cb85a87-68d5-46e1-ba0d-b9c23f59ebde" ], "a1073483-75ff-4173-8f7d-b840bbfbda58": [ "3cb85a87-68d5-46e1-ba0d-b9c23f59ebde" ], "928e65db-c6c0-45a7-afc6-621225fd7ff0": [ "3cb85a87-68d5-46e1-ba0d-b9c23f59ebde" ], "35003c60-f498-4284-8370-fd1a029d31f4": [ "3cb85a87-68d5-46e1-ba0d-b9c23f59ebde" ], "35810512-341d-42e2-8025-85a6ec2d5cf3": [ "3cb85a87-68d5-46e1-ba0d-b9c23f59ebde" ], "d3f69d03-261b-4191-907d-0f98ed12aafc": [ "3cb85a87-68d5-46e1-ba0d-b9c23f59ebde" ], "03aa9319-f2af-4480-8de6-d720e192bb21": [ "3cb85a87-68d5-46e1-ba0d-b9c23f59ebde" ], "28393069-945e-4b1f-83e2-0afd56b448f7": [ "9e57bf49-7abd-4c9d-a77c-684307f3b6dc" ], "6230f2ad-b857-4c71-8b10-47c2644d62c1": [ "9e57bf49-7abd-4c9d-a77c-684307f3b6dc" ], "d77bb81c-1121-42f7-a832-41ba39cf0ad7": [ "9e57bf49-7abd-4c9d-a77c-684307f3b6dc" ], "0bbdb9a1-e574-41a8-8a04-5f5ad3ed7d91": [ "9e57bf49-7abd-4c9d-a77c-684307f3b6dc" ], "a7feb424-9ef7-4e74-89df-00cf3fe07ec2": [ "9e57bf49-7abd-4c9d-a77c-684307f3b6dc" ], "c5d28def-d22a-4600-b344-8ecca254902c": [ "9e57bf49-7abd-4c9d-a77c-684307f3b6dc" ], "6ca7d623-8df5-497e-b59f-f808cde0c5f5": [ "9e57bf49-7abd-4c9d-a77c-684307f3b6dc" ], "d50ffb2a-7ec9-4a2c-a655-423fd63e6095": [ "9e57bf49-7abd-4c9d-a77c-684307f3b6dc" ], "71d88b31-a31b-453c-bfe6-6f361b693a1c": [ "9e57bf49-7abd-4c9d-a77c-684307f3b6dc" ], "e164d285-c82e-4764-b07e-fbda80d8e581": [ "9e57bf49-7abd-4c9d-a77c-684307f3b6dc" ], "4cb7c9e2-d30a-4475-8f18-ef06025a666b": [ "881ec3a1-ccdf-4fdb-b4dd-8ee70c6afc02" ], "17d4cd55-a676-4c44-8c65-f1c8213b1dd6": [ "881ec3a1-ccdf-4fdb-b4dd-8ee70c6afc02" ], "f0ac5e61-bfbb-455e-8ce1-bc10c6cdc78f": [ "881ec3a1-ccdf-4fdb-b4dd-8ee70c6afc02" ], "66864b56-9974-447a-95be-860b9f1a704d": [ "881ec3a1-ccdf-4fdb-b4dd-8ee70c6afc02" ], "1d574b56-aa29-4682-90d9-eed46a837756": [ "881ec3a1-ccdf-4fdb-b4dd-8ee70c6afc02" ], "4647bb47-09a1-4897-8026-b8b0fb9cd6e6": [ "881ec3a1-ccdf-4fdb-b4dd-8ee70c6afc02" ], "2da7490e-4972-4df6-b3ab-6d8c0a95bc6d": [ "881ec3a1-ccdf-4fdb-b4dd-8ee70c6afc02" ], "0629a507-9be6-4955-8c94-b1cab39b6f3e": [ "881ec3a1-ccdf-4fdb-b4dd-8ee70c6afc02" ], "3c931a47-ecb3-46b7-b832-df7608e40933": [ "881ec3a1-ccdf-4fdb-b4dd-8ee70c6afc02" ], "f0490fdf-34f4-4ad3-a69e-82b259649eb6": [ "881ec3a1-ccdf-4fdb-b4dd-8ee70c6afc02" ], "4adf11bf-b242-4a31-a3dc-8733ecae0807": [ "ac9101ad-f8d8-46b1-b179-6062182fc71b" ], "d05c516e-27ec-4b34-8983-274555a84e14": [ "ac9101ad-f8d8-46b1-b179-6062182fc71b" ], "c2954b06-e820-4f8e-b866-8de414ae8dcc": [ "ac9101ad-f8d8-46b1-b179-6062182fc71b" ], "e6ce3119-93b2-4596-b737-743082a3c551": [ "ac9101ad-f8d8-46b1-b179-6062182fc71b" ], "500768f9-eff4-4e26-a1d4-6b8616d57787": [ "ac9101ad-f8d8-46b1-b179-6062182fc71b" ], "2f5f0a6c-9024-4acb-b724-c5fecabb91a8": [ "ac9101ad-f8d8-46b1-b179-6062182fc71b" ], "1dd8624f-6aa9-4908-a883-df91059aa209": [ "ac9101ad-f8d8-46b1-b179-6062182fc71b" ], "1ccf3628-e594-4857-9436-7f593206848b": [ "ac9101ad-f8d8-46b1-b179-6062182fc71b" ], "03fb71c4-58d5-4f81-8c12-0bf502dbe7f1": [ "ac9101ad-f8d8-46b1-b179-6062182fc71b" ], "e8e2e3b0-f282-4f61-a116-21282823c1f7": [ "ac9101ad-f8d8-46b1-b179-6062182fc71b" ], "63d8e8aa-50a7-4a05-8673-796a79b55e1c": [ "28394b7a-4591-4f2f-8348-3fd45272ea1e" ], "ad1ec9f8-aa1f-4c6d-bbdc-a956aef1a44a": [ "28394b7a-4591-4f2f-8348-3fd45272ea1e" ], "8b223efe-3412-4892-9fd0-b13699e02357": [ "28394b7a-4591-4f2f-8348-3fd45272ea1e" ], "8281630e-bad4-485f-a6a8-08fdc0c0852e": [ "28394b7a-4591-4f2f-8348-3fd45272ea1e" ], "2a33d56f-23b6-4f67-86a0-d1f222f82c73": [ "28394b7a-4591-4f2f-8348-3fd45272ea1e" ], "8ed6ef91-c121-4c2e-a62b-45b565c45d41": [ "28394b7a-4591-4f2f-8348-3fd45272ea1e" ], "962ed090-7fba-4149-ae19-14b416b03c44": [ "28394b7a-4591-4f2f-8348-3fd45272ea1e" ], "d04da72a-56f1-42ec-be94-fb286b45c49e": [ "28394b7a-4591-4f2f-8348-3fd45272ea1e" ], "bfed7168-7a8f-415d-b434-d4f7cddc1627": [ "28394b7a-4591-4f2f-8348-3fd45272ea1e" ], "5db08dec-9fb2-40cd-bef5-0bd0a4688a31": [ "28394b7a-4591-4f2f-8348-3fd45272ea1e" ], "0eeea786-5342-4d4b-a1b9-5ab3c2ca6b19": [ "0e9ef286-fb91-4eef-986c-c2d77034ffab" ], "71b2cf4a-a118-4d4a-806d-c6cc9ee2dd56": [ "0e9ef286-fb91-4eef-986c-c2d77034ffab" ], "6f620f62-d313-4299-9478-729057c1dc67": [ "0e9ef286-fb91-4eef-986c-c2d77034ffab" ], "d8d9269d-0c3d-4c7c-887e-8361d5d03bd3": [ "0e9ef286-fb91-4eef-986c-c2d77034ffab" ], "e28aec4b-d311-4462-b2a2-e1a961a16014": [ "0e9ef286-fb91-4eef-986c-c2d77034ffab" ], "5e5d10ea-c98d-4a0c-be58-d0b8fe1dc545": [ "0e9ef286-fb91-4eef-986c-c2d77034ffab" ], "17d2600c-ef8f-4fce-a7d3-14d7c1e3b2e6": [ "0e9ef286-fb91-4eef-986c-c2d77034ffab" ], "9e2bb90a-3082-4e18-adfb-118897ae00a3": [ "0e9ef286-fb91-4eef-986c-c2d77034ffab" ], "6622126e-72d1-470a-9ebe-3b5eccaedf7b": [ "0e9ef286-fb91-4eef-986c-c2d77034ffab" ], "4b3c1b9f-20db-41c9-9178-030740c5cea0": [ "0e9ef286-fb91-4eef-986c-c2d77034ffab" ], "2e8f23c2-3ae9-4e89-b4a4-b2ca00e28fe4": [ "4340f087-2582-42d4-8f35-c2a350ddadca" ], "b9a7b653-9d68-4132-b3fd-a8fd3acab1e1": [ "4340f087-2582-42d4-8f35-c2a350ddadca" ], "9a2f8192-285d-49ef-9326-b0ad16a1acdb": [ "4340f087-2582-42d4-8f35-c2a350ddadca" ], "549f910c-66f8-4744-8906-68c709a5f8c2": [ "4340f087-2582-42d4-8f35-c2a350ddadca" ], "a7377a0c-014e-438a-b814-5ffdeb4168e4": [ "4340f087-2582-42d4-8f35-c2a350ddadca" ], "f5feeac7-d357-4931-906d-d87dd753918a": [ "4340f087-2582-42d4-8f35-c2a350ddadca" ], "3ff2501b-513c-41d7-a65d-c83797261755": [ "4340f087-2582-42d4-8f35-c2a350ddadca" ], "2ed25834-00d7-4962-9344-f3c3029cca71": [ "4340f087-2582-42d4-8f35-c2a350ddadca" ], "b538ff47-0185-4c8d-930a-ae8f3f858187": [ "4340f087-2582-42d4-8f35-c2a350ddadca" ], "6b4c5827-60db-4ad3-9ac9-555658a50359": [ "4340f087-2582-42d4-8f35-c2a350ddadca" ], "5b184ded-1632-4065-a93b-6c62a0cf289d": [ "9f3eaa17-4763-47bc-b39a-51e84a0575c9" ], "03bc3194-6e3c-4059-ba4c-81fc47c25c66": [ "9f3eaa17-4763-47bc-b39a-51e84a0575c9" ], "de52df18-0343-42ae-af25-55a911a39a88": [ "9f3eaa17-4763-47bc-b39a-51e84a0575c9" ], "841f4047-5bb4-4f87-b66f-76fdf0b1cb13": [ "9f3eaa17-4763-47bc-b39a-51e84a0575c9" ], "00b6af41-3c5c-4516-a674-d63aa1a7f3a1": [ "9f3eaa17-4763-47bc-b39a-51e84a0575c9" ], "5c5295f9-88e7-4e78-818f-b0d194c237bb": [ "9f3eaa17-4763-47bc-b39a-51e84a0575c9" ], "085f1ea5-30b4-40ee-b60b-21fb599893a7": [ "9f3eaa17-4763-47bc-b39a-51e84a0575c9" ], "1315c0e3-601a-4af3-99c3-999421c32f1b": [ "9f3eaa17-4763-47bc-b39a-51e84a0575c9" ], "bf604c8a-4251-46cf-937d-67570c7f808d": [ "9f3eaa17-4763-47bc-b39a-51e84a0575c9" ], "36645922-95ff-475b-9d38-882a4d2cb3ad": [ "9f3eaa17-4763-47bc-b39a-51e84a0575c9" ], "4c6488dc-9783-4d49-adbb-65344181497b": [ "46222032-48bc-47b8-934a-8e2ad859e49e" ], "3ac8dced-e13e-41c0-b1ca-2cd94198af35": [ "46222032-48bc-47b8-934a-8e2ad859e49e" ], "f17a02bc-1ee0-4325-97b0-4017884ee0eb": [ "46222032-48bc-47b8-934a-8e2ad859e49e" ], "c10262bd-f8e1-401c-9bee-94ea2fe14ee7": [ "46222032-48bc-47b8-934a-8e2ad859e49e" ], "d12c0939-c262-4c70-8135-4a9996628dc1": [ "46222032-48bc-47b8-934a-8e2ad859e49e" ], "2b48e730-c55d-4399-a104-239b711cfbb0": [ "46222032-48bc-47b8-934a-8e2ad859e49e" ], "764361c3-d266-4f1f-951a-612a6a46902b": [ "46222032-48bc-47b8-934a-8e2ad859e49e" ], "b591a525-2a3c-4e65-bb82-8fd1482db528": [ "46222032-48bc-47b8-934a-8e2ad859e49e" ], "75eb365b-5889-48e7-95a2-6387e48e051c": [ "46222032-48bc-47b8-934a-8e2ad859e49e" ], "a5766c7d-8a49-436e-ac69-f5a3376c0b37": [ "46222032-48bc-47b8-934a-8e2ad859e49e" ], "06da37a7-f1db-405d-859d-c344ae6a0020": [ "1f4f572e-489a-493a-8d55-7598dd8ef318" ], "b5c66a1a-f49e-4673-aeec-f5032e3e258c": [ "1f4f572e-489a-493a-8d55-7598dd8ef318" ], "7796d67c-9f70-4f3c-9138-04102d2e22cc": [ "1f4f572e-489a-493a-8d55-7598dd8ef318" ], "213727b5-e7b3-466e-9779-6d4c5d9f6c27": [ "1f4f572e-489a-493a-8d55-7598dd8ef318" ], "6ea2a2fe-dcf0-4ffe-bf9d-4885eb6c9441": [ "1f4f572e-489a-493a-8d55-7598dd8ef318" ], "455ae3e6-94e6-4e76-8feb-9e2ab8967725": [ "1f4f572e-489a-493a-8d55-7598dd8ef318" ], "a5db62fe-3569-4ffc-980d-e82d6d2138e8": [ "1f4f572e-489a-493a-8d55-7598dd8ef318" ], "098cfe31-7f2b-4e27-a102-b83d902047fa": [ "1f4f572e-489a-493a-8d55-7598dd8ef318" ], "fcc00dfb-48a8-4109-ae19-6165910048b4": [ "1f4f572e-489a-493a-8d55-7598dd8ef318" ], "25f7e2bb-6957-497d-ba30-6f7e641d17f7": [ "1f4f572e-489a-493a-8d55-7598dd8ef318" ], "24a51050-e5d5-422f-b365-0b741e25a7f3": [ "0ddc3c54-3ef9-4e54-bd8c-9fdb9d2e8e73" ], "6bfdeccc-ee25-4af7-b0be-fda543344cd7": [ "0ddc3c54-3ef9-4e54-bd8c-9fdb9d2e8e73" ], "9b7c4df6-e2af-49de-bf34-37c32931c2ed": [ "0ddc3c54-3ef9-4e54-bd8c-9fdb9d2e8e73" ], "06a9eb00-e392-4d5e-b3b6-b1336c860a6a": [ "0ddc3c54-3ef9-4e54-bd8c-9fdb9d2e8e73" ], "7912ca4d-a0d5-4c42-b230-e9ec091c94d5": [ "0ddc3c54-3ef9-4e54-bd8c-9fdb9d2e8e73" ], "8163677f-8ab2-4163-a3a2-1f7bce623934": [ "0ddc3c54-3ef9-4e54-bd8c-9fdb9d2e8e73" ], "beee9085-b171-46f1-b6c6-42e166d36b0e": [ "0ddc3c54-3ef9-4e54-bd8c-9fdb9d2e8e73" ], "fa7fea9d-02a3-4f82-bbc5-1d9952c9edde": [ "0ddc3c54-3ef9-4e54-bd8c-9fdb9d2e8e73" ], "462ad3c1-4cdc-411a-ae7f-c6fe1842b816": [ "0ddc3c54-3ef9-4e54-bd8c-9fdb9d2e8e73" ], "bc9202c8-2074-40e7-8b82-642f73d97f8b": [ "0ddc3c54-3ef9-4e54-bd8c-9fdb9d2e8e73" ], "ad92c2b7-5baf-4149-95bc-ed992bc30bc5": [ "a3d3f494-6de8-4be0-bc1c-f9020993cef5" ], "58e96eeb-b530-4304-968f-c59d7c42fda8": [ "a3d3f494-6de8-4be0-bc1c-f9020993cef5" ], "cec04e5e-5ffc-433a-8059-ebf6856f53f7": [ "a3d3f494-6de8-4be0-bc1c-f9020993cef5" ], "636233d3-91c6-442a-9c05-b311d9b1be32": [ "a3d3f494-6de8-4be0-bc1c-f9020993cef5" ], "e3e2af31-b9fb-4c98-8f35-18eefd56c5ac": [ "a3d3f494-6de8-4be0-bc1c-f9020993cef5" ], "9ea42906-389a-4435-8745-23d9f0ef80f0": [ "a3d3f494-6de8-4be0-bc1c-f9020993cef5" ], "e9b17d1e-4e24-4bec-bf26-cc966988bfc6": [ "a3d3f494-6de8-4be0-bc1c-f9020993cef5" ], "0f1fb21a-2559-44c6-81ee-0b5d175356d7": [ "a3d3f494-6de8-4be0-bc1c-f9020993cef5" ], "c9e1b659-a961-4486-91cc-b0cf0ffd468d": [ "a3d3f494-6de8-4be0-bc1c-f9020993cef5" ], "97be2669-17ee-4291-a746-42ed397762fb": [ "a3d3f494-6de8-4be0-bc1c-f9020993cef5" ], "95814368-7441-4c3a-a727-6c20c9862eb7": [ "8cc8ae07-6f68-45eb-b7b6-6e391e83c587" ], "d5f37bd6-13ce-43a5-9a08-cb3eacf342aa": [ "8cc8ae07-6f68-45eb-b7b6-6e391e83c587" ], "9b5757f6-aa95-4637-80ab-4740f4742285": [ "8cc8ae07-6f68-45eb-b7b6-6e391e83c587" ], "a62da9f5-9db9-481a-8bcb-54b3880e04b0": [ "8cc8ae07-6f68-45eb-b7b6-6e391e83c587" ], "fd841070-1d88-4ce5-b64a-ca396c3bfc60": [ "8cc8ae07-6f68-45eb-b7b6-6e391e83c587" ], "6c6f4225-a029-49a8-be15-ae9c561568df": [ "8cc8ae07-6f68-45eb-b7b6-6e391e83c587" ], "1da827e1-a5c2-4391-95f1-385e930151fc": [ "8cc8ae07-6f68-45eb-b7b6-6e391e83c587" ], "737ef427-3f3f-4c3b-9831-f3d9d1ec5fcd": [ "8cc8ae07-6f68-45eb-b7b6-6e391e83c587" ], "c138109b-a12d-4e9a-b2f2-6fc3ba00e7ac": [ "8cc8ae07-6f68-45eb-b7b6-6e391e83c587" ], "1eea00ec-ed1c-4766-877c-3d04bc7eedb2": [ "8cc8ae07-6f68-45eb-b7b6-6e391e83c587" ], "c9d60a53-1c82-4ccf-adc4-74175b366e6b": [ "8c160ece-d5b6-4083-ae95-cbbb55f07149" ], "eb7a88ec-9de7-46e0-a3fc-d19831f93fc2": [ "8c160ece-d5b6-4083-ae95-cbbb55f07149" ], "2568946b-ec60-40b3-9e6b-d83223fc4a2b": [ "8c160ece-d5b6-4083-ae95-cbbb55f07149" ], "7339d099-5c92-4961-bb36-6fdd69a662d2": [ "8c160ece-d5b6-4083-ae95-cbbb55f07149" ], "6a40268d-e280-43eb-a2aa-23464ca9641c": [ "8c160ece-d5b6-4083-ae95-cbbb55f07149" ], "d644c79f-a9a4-41b2-a0c8-bac5117831bb": [ "8c160ece-d5b6-4083-ae95-cbbb55f07149" ], "31548f6b-92df-4976-8d48-a5f5b4d1bedd": [ "8c160ece-d5b6-4083-ae95-cbbb55f07149" ], "c8901dba-847b-43d7-93b4-d4e577339af6": [ "8c160ece-d5b6-4083-ae95-cbbb55f07149" ], "62594413-8b09-49d1-8b75-5dc3a7439865": [ "8c160ece-d5b6-4083-ae95-cbbb55f07149" ], "2cbfba90-24ae-4660-b738-1fd34625c479": [ "8c160ece-d5b6-4083-ae95-cbbb55f07149" ], "1e6d06c6-39f5-4e87-ab90-384c2a49d700": [ "b4c1c4a2-44ff-40af-a934-38a8b0d5ead9" ], "17ad5441-d1ef-4a94-809d-10991c52cd11": [ "b4c1c4a2-44ff-40af-a934-38a8b0d5ead9" ], "807d9bb5-882e-479f-84ca-6c5d5cafe481": [ "b4c1c4a2-44ff-40af-a934-38a8b0d5ead9" ], "7543035c-d68d-4bd2-a6df-8c91e0c3cd4f": [ "b4c1c4a2-44ff-40af-a934-38a8b0d5ead9" ], "7dc5ec78-badb-46e2-a3e1-477fde7a0738": [ "b4c1c4a2-44ff-40af-a934-38a8b0d5ead9" ], "6a01d8df-f31a-4516-8101-463b04f1cc27": [ "b4c1c4a2-44ff-40af-a934-38a8b0d5ead9" ], "494a6e42-737e-4591-bd93-f2947582e03c": [ "b4c1c4a2-44ff-40af-a934-38a8b0d5ead9" ], "c8fe5692-2bf4-471c-b1e8-a06d76551c29": [ "b4c1c4a2-44ff-40af-a934-38a8b0d5ead9" ], "0a40bd38-d3ec-4d7b-977d-9f93e5bec2d1": [ "b4c1c4a2-44ff-40af-a934-38a8b0d5ead9" ], "a41c257f-1606-49ee-8cd3-3bd21e5ea3f5": [ "b4c1c4a2-44ff-40af-a934-38a8b0d5ead9" ], "57a4e86f-c522-42d5-9d01-6c90c268c41c": [ "0f629799-87dd-4c4b-a3c0-a68ca51c15e1" ], "74049d14-059b-4e7b-9e43-bcd396f3737c": [ "0f629799-87dd-4c4b-a3c0-a68ca51c15e1" ], "02a37e0e-14f0-462d-a030-13a8f75d9194": [ "0f629799-87dd-4c4b-a3c0-a68ca51c15e1" ], "5cd819ee-fb7c-4484-a84d-7d66ab26e816": [ "0f629799-87dd-4c4b-a3c0-a68ca51c15e1" ], "2f923768-d20e-421d-915a-4077bacac2ef": [ "0f629799-87dd-4c4b-a3c0-a68ca51c15e1" ], "63368b07-d801-46e2-892b-3447ea5ff4f1": [ "0f629799-87dd-4c4b-a3c0-a68ca51c15e1" ], "a1e56cca-46cd-43df-9a29-afb1047d31c6": [ "0f629799-87dd-4c4b-a3c0-a68ca51c15e1" ], "3cf05031-1664-4888-9b23-ada520bdca09": [ "0f629799-87dd-4c4b-a3c0-a68ca51c15e1" ], "bca2c5bc-f4ab-4b71-b9c7-1d122f2e8ef3": [ "0f629799-87dd-4c4b-a3c0-a68ca51c15e1" ], "c96a80fd-7e51-4c23-872b-b72ad63b1a24": [ "0f629799-87dd-4c4b-a3c0-a68ca51c15e1" ], "e49ed09f-1158-4395-8223-6ceecf100f33": [ "1cc7a1ce-5a64-4278-bea6-96b536d8f43f" ], "5490295d-f0ac-4d83-b31a-1605cdd679b9": [ "1cc7a1ce-5a64-4278-bea6-96b536d8f43f" ], "e5092d3b-717a-410e-9cd9-bf5ae70938b6": [ "1cc7a1ce-5a64-4278-bea6-96b536d8f43f" ], "2d0b377b-3f91-4da2-bdca-a2c258f82e2c": [ "1cc7a1ce-5a64-4278-bea6-96b536d8f43f" ], "fc390b6a-8575-40b6-8469-bec116417de1": [ "1cc7a1ce-5a64-4278-bea6-96b536d8f43f" ], "312c59cc-7f40-4368-a76d-cc6e99e00fcf": [ "1cc7a1ce-5a64-4278-bea6-96b536d8f43f" ], "fccf3879-7dd9-48d6-a9a0-87c8ab258fa8": [ "1cc7a1ce-5a64-4278-bea6-96b536d8f43f" ], "c4c7ac4a-501d-49a3-83be-3f61c89c4887": [ "1cc7a1ce-5a64-4278-bea6-96b536d8f43f" ], "0ed2d21e-0b3a-429b-9f1c-e844b5694ec5": [ "1cc7a1ce-5a64-4278-bea6-96b536d8f43f" ], "2d742956-9cec-43c8-bca7-ce9bf65597b9": [ "1cc7a1ce-5a64-4278-bea6-96b536d8f43f" ], "d2c3bc19-d0b0-4998-b2e7-1e6dbe7b80de": [ "4073fc68-3076-4c7e-9c2d-89a4f2f7c959" ], "68065e53-8658-4ece-bfd8-bae45ebd4d5b": [ "4073fc68-3076-4c7e-9c2d-89a4f2f7c959" ], "7e581c21-60a3-4095-863c-52127cc0dc4a": [ "4073fc68-3076-4c7e-9c2d-89a4f2f7c959" ], "408e6f1c-b494-44fa-b83e-e7583fa148bc": [ "4073fc68-3076-4c7e-9c2d-89a4f2f7c959" ], "0edea4f4-184f-498b-a692-07fdb3af2da8": [ "4073fc68-3076-4c7e-9c2d-89a4f2f7c959" ], "e2a6a909-8219-4e67-9040-a2c6f5b7bb36": [ "4073fc68-3076-4c7e-9c2d-89a4f2f7c959" ], "6e033ce9-4226-4dea-b4bd-3bea1bcc3b77": [ "4073fc68-3076-4c7e-9c2d-89a4f2f7c959" ], "9e99accb-ac96-4e93-8680-a7e31a68c51c": [ "4073fc68-3076-4c7e-9c2d-89a4f2f7c959" ], "cd1af959-8ab0-4f0d-9294-eb21a3288d4e": [ "4073fc68-3076-4c7e-9c2d-89a4f2f7c959" ], "0d299465-da62-47d4-a5db-3f9061894e00": [ "4073fc68-3076-4c7e-9c2d-89a4f2f7c959" ], "da38f81c-a19d-4063-a511-34eba885c813": [ "f42c4332-dd0f-477f-bb2f-86bb959b0c5d" ], "ab4ad894-40fe-4e0d-b6fb-141ac24716ec": [ "f42c4332-dd0f-477f-bb2f-86bb959b0c5d" ], "1cccf59c-60a7-4014-834f-8d9d146533e3": [ "f42c4332-dd0f-477f-bb2f-86bb959b0c5d" ], "7937ab6e-8434-45fc-8e98-035d182a9443": [ "f42c4332-dd0f-477f-bb2f-86bb959b0c5d" ], "09e0326c-4a62-47be-8f1c-8f2613fec5cf": [ "f42c4332-dd0f-477f-bb2f-86bb959b0c5d" ], "4c4df63e-7866-49fa-9e1e-14496641c546": [ "f42c4332-dd0f-477f-bb2f-86bb959b0c5d" ], "803ed3a4-413a-4b9e-8dd8-96483c4c71c1": [ "f42c4332-dd0f-477f-bb2f-86bb959b0c5d" ], "1cb8b509-c3a5-4794-9ace-71b6048e94bf": [ "f42c4332-dd0f-477f-bb2f-86bb959b0c5d" ], "7a35267c-ad8c-4f31-8851-1b6c4400d326": [ "f42c4332-dd0f-477f-bb2f-86bb959b0c5d" ], "74745608-0672-450c-ab93-2f08f5a42d36": [ "f42c4332-dd0f-477f-bb2f-86bb959b0c5d" ], "431db78c-900f-4634-820d-39badc087e0c": [ "3169a747-ecbb-4d1b-9b02-8964db5cbff3" ], "7b8312ca-9b6a-488d-9158-fbab05dd3256": [ "3169a747-ecbb-4d1b-9b02-8964db5cbff3" ], "a28977c5-a52f-4f09-8091-6924262840af": [ "3169a747-ecbb-4d1b-9b02-8964db5cbff3" ], "c69f3344-3f8c-4ed3-9369-df56cbd0497b": [ "3169a747-ecbb-4d1b-9b02-8964db5cbff3" ], "b2c94a0d-f1e7-4def-b0ac-bc64c06704b1": [ "3169a747-ecbb-4d1b-9b02-8964db5cbff3" ], "88cb8778-4e01-4a65-b03a-ce8308747873": [ "3169a747-ecbb-4d1b-9b02-8964db5cbff3" ], "5fa81666-a61f-4fdf-9f07-98c9231bef3d": [ "3169a747-ecbb-4d1b-9b02-8964db5cbff3" ], "237e9e73-ca6a-4320-bb3d-a21b4f7e9250": [ "3169a747-ecbb-4d1b-9b02-8964db5cbff3" ], "9afa468f-3086-437e-b188-270d8b3f14dc": [ "3169a747-ecbb-4d1b-9b02-8964db5cbff3" ], "215e3f51-0914-4d03-b0b9-048133e365cd": [ "3169a747-ecbb-4d1b-9b02-8964db5cbff3" ], "8ef559f0-8eb5-4cdf-b91e-3716920b7d1f": [ "ad8f7ba3-729c-4c62-8e69-29ec06400f3f" ], "30dc3feb-2820-4d20-bcc2-771bd2d766ee": [ "ad8f7ba3-729c-4c62-8e69-29ec06400f3f" ], "4dd60af9-0250-4554-b9d6-2ee96474cdd8": [ "ad8f7ba3-729c-4c62-8e69-29ec06400f3f" ], "934fc532-6fc7-4990-b5de-2c266785bc2c": [ "ad8f7ba3-729c-4c62-8e69-29ec06400f3f" ], "c00b8404-7d2b-493c-949a-5c9d26eca0c2": [ "ad8f7ba3-729c-4c62-8e69-29ec06400f3f" ], "c9f01f8c-c250-49c8-9116-9789fbd7ec4c": [ "ad8f7ba3-729c-4c62-8e69-29ec06400f3f" ], "8a6c3d9a-efe1-424b-8492-ea9358926f11": [ "ad8f7ba3-729c-4c62-8e69-29ec06400f3f" ], "83c4e150-de7c-4383-8aea-5add9dcb2fb6": [ "ad8f7ba3-729c-4c62-8e69-29ec06400f3f" ], "aadca937-18a8-4649-845d-ac814bdb366e": [ "ad8f7ba3-729c-4c62-8e69-29ec06400f3f" ], "f0560a17-f9c0-4849-9bee-f59c46446427": [ "ad8f7ba3-729c-4c62-8e69-29ec06400f3f" ], "57a5f234-ea06-4d19-b68c-540ddebec038": [ "93f92816-047c-4bdb-8e2e-1271f8bf7adb" ], "5142bb80-a0c4-4058-ae24-cafd8bc767be": [ "93f92816-047c-4bdb-8e2e-1271f8bf7adb" ], "e08ad882-cfcc-4e8d-a98e-919e7e7f8efc": [ "93f92816-047c-4bdb-8e2e-1271f8bf7adb" ], "fd137508-67ce-4890-8aa4-897cd0351fd2": [ "93f92816-047c-4bdb-8e2e-1271f8bf7adb" ], "bbecd916-8b07-4412-8f3d-1fed620d483c": [ "93f92816-047c-4bdb-8e2e-1271f8bf7adb" ], "36d56bb3-087f-43e2-8fb7-6edb08d257a5": [ "93f92816-047c-4bdb-8e2e-1271f8bf7adb" ], "5b2900b2-a3f0-4fdc-9967-1244e5d1378a": [ "93f92816-047c-4bdb-8e2e-1271f8bf7adb" ], "73243704-dde4-4c77-abc8-28835726ca07": [ "93f92816-047c-4bdb-8e2e-1271f8bf7adb" ], "d2cc4152-fc61-4ed5-8260-004fa4b2fc25": [ "93f92816-047c-4bdb-8e2e-1271f8bf7adb" ], "4f89aa95-0b75-482d-8f44-077cfe554967": [ "93f92816-047c-4bdb-8e2e-1271f8bf7adb" ], "915575aa-7c27-4570-ba59-86652d804698": [ "83f79c49-364f-480d-ba1a-e4b2e1e66318" ], "69866a53-592d-42d5-8f9b-564ad44d52de": [ "83f79c49-364f-480d-ba1a-e4b2e1e66318" ], "b244ac5f-4cec-4833-ba69-d491fe3d2196": [ "83f79c49-364f-480d-ba1a-e4b2e1e66318" ], "b5f2e71b-ed73-4f48-a402-3df128ab2f08": [ "83f79c49-364f-480d-ba1a-e4b2e1e66318" ], "7ef73a96-92da-475f-8061-a85bdc6e29a8": [ "83f79c49-364f-480d-ba1a-e4b2e1e66318" ], "3ee8c6cc-ec36-496e-9898-173dcafc33e0": [ "83f79c49-364f-480d-ba1a-e4b2e1e66318" ], "8704092e-13c4-4046-ac63-bd9ca4d06f33": [ "83f79c49-364f-480d-ba1a-e4b2e1e66318" ], "76e84f3b-e472-4e18-b1fa-560ec38e7d7a": [ "83f79c49-364f-480d-ba1a-e4b2e1e66318" ], "0cefcaf4-1a02-4d45-9420-1f04dc3806b1": [ "83f79c49-364f-480d-ba1a-e4b2e1e66318" ], "aae051b8-bdf9-4a5c-a365-9aef59c37e44": [ "83f79c49-364f-480d-ba1a-e4b2e1e66318" ], "6ab817ef-6b55-444c-a4da-f1e27e8510ce": [ "0c5eb933-4f74-4def-9b54-0163e78ba9dc" ], "a5c6c4e8-1f12-4a99-b241-41ea021d6320": [ "0c5eb933-4f74-4def-9b54-0163e78ba9dc" ], "27a8e57b-1f7e-44f0-b483-99be13d8d22a": [ "0c5eb933-4f74-4def-9b54-0163e78ba9dc" ], "790e8dbd-e1cf-4fea-80af-74c220ef5adc": [ "0c5eb933-4f74-4def-9b54-0163e78ba9dc" ], "fe731885-cdbb-4d0c-a6e0-086fddfb95dd": [ "0c5eb933-4f74-4def-9b54-0163e78ba9dc" ], "e231f275-a41a-4720-9d5f-cbdab27bf833": [ "0c5eb933-4f74-4def-9b54-0163e78ba9dc" ], "f07fd605-8716-40f3-9e4e-0c8afea0d3c4": [ "0c5eb933-4f74-4def-9b54-0163e78ba9dc" ], "b279df97-1ebb-4fba-8aef-4c9c86598eb1": [ "0c5eb933-4f74-4def-9b54-0163e78ba9dc" ], "62e5204d-188c-4f21-b77f-bf4ae30b14a2": [ "0c5eb933-4f74-4def-9b54-0163e78ba9dc" ], "f15b3019-7359-411d-8907-102ce4dcd9b8": [ "0c5eb933-4f74-4def-9b54-0163e78ba9dc" ], "ad0fd534-5e43-438a-ab26-b42a03196933": [ "b413748d-9b7d-4b74-9e74-04877ee00561" ], "545ea092-93c6-4575-8582-b5d07dc0171f": [ "b413748d-9b7d-4b74-9e74-04877ee00561" ], "6cbedcfb-ef2a-4eba-959f-a0db3608e96f": [ "b413748d-9b7d-4b74-9e74-04877ee00561" ], "197c1916-049b-4616-8b3f-310a7ffda637": [ "b413748d-9b7d-4b74-9e74-04877ee00561" ], "2ed06368-72dc-4d52-824f-1368036d93c5": [ "b413748d-9b7d-4b74-9e74-04877ee00561" ], "64122f0a-e2ba-4f55-97bf-0ceafa446d85": [ "b413748d-9b7d-4b74-9e74-04877ee00561" ], "433d3da2-d1bc-498f-9a8c-0b5dee686de7": [ "b413748d-9b7d-4b74-9e74-04877ee00561" ], "e2e419de-5036-4ac1-83df-4c7affb24d8b": [ "b413748d-9b7d-4b74-9e74-04877ee00561" ], "b7f02bc7-7af8-4600-9da9-d8a24eb1a404": [ "b413748d-9b7d-4b74-9e74-04877ee00561" ], "7fe2130c-be3e-4301-80a6-6de88873f4dc": [ "b413748d-9b7d-4b74-9e74-04877ee00561" ], "4d6951bd-a2db-4dde-ba59-139028b13e9a": [ "a834a958-f5e4-4f94-b9db-16b9976dea62" ], "11f937b6-6477-4ba6-8d0d-7ec37ee5fee4": [ "a834a958-f5e4-4f94-b9db-16b9976dea62" ], "f78ed53b-a4bc-4ebb-95ac-448ad6918947": [ "a834a958-f5e4-4f94-b9db-16b9976dea62" ], "e7aa8444-6a13-4766-9cb3-62c29ae714c5": [ "a834a958-f5e4-4f94-b9db-16b9976dea62" ], "395eac37-c903-4b05-9bb5-dd1231f4e3b3": [ "a834a958-f5e4-4f94-b9db-16b9976dea62" ], "ab534dc3-87de-464d-b61b-3ee92cc86dec": [ "a834a958-f5e4-4f94-b9db-16b9976dea62" ], "075fb21e-812e-486b-af1c-458aceef9629": [ "a834a958-f5e4-4f94-b9db-16b9976dea62" ], "7d0a8a4f-2190-49b6-b398-b5eab817164f": [ "a834a958-f5e4-4f94-b9db-16b9976dea62" ], "47c074a1-18f4-4ffc-b919-ae11b42081a2": [ "a834a958-f5e4-4f94-b9db-16b9976dea62" ], "fab72a12-3b5c-4f47-a8df-ac875681c100": [ "a834a958-f5e4-4f94-b9db-16b9976dea62" ], "32634769-23fb-4b3a-8089-e01d9ce7bbef": [ "eb6bb08b-3c4d-46a6-92ef-3cec1a88e92e" ], "217ecaa8-cde9-497e-856d-ff8804bad139": [ "eb6bb08b-3c4d-46a6-92ef-3cec1a88e92e" ], "4f086726-4c65-4979-9e69-620bd513e461": [ "eb6bb08b-3c4d-46a6-92ef-3cec1a88e92e" ], "a0bf425f-b806-46b9-9b1a-7ab60e808d4a": [ "eb6bb08b-3c4d-46a6-92ef-3cec1a88e92e" ], "779976e8-7d2d-47e3-b9c9-dfa434c6b809": [ "eb6bb08b-3c4d-46a6-92ef-3cec1a88e92e" ], "699f9848-e607-47e2-b2ce-35206795f860": [ "eb6bb08b-3c4d-46a6-92ef-3cec1a88e92e" ], "adba3013-eb54-479f-ab65-2c012b64cf95": [ "eb6bb08b-3c4d-46a6-92ef-3cec1a88e92e" ], "a6f5fe4d-674c-4d46-98ed-d59a0a73b12a": [ "eb6bb08b-3c4d-46a6-92ef-3cec1a88e92e" ], "3751c960-760b-457d-bac5-a5641064d159": [ "eb6bb08b-3c4d-46a6-92ef-3cec1a88e92e" ], "76fff3b6-7cfc-4f35-bf66-16258c828367": [ "eb6bb08b-3c4d-46a6-92ef-3cec1a88e92e" ], "67cf43d6-80b7-4615-8cfd-30d2bd0fef39": [ "1034df4a-9a50-4f60-8c13-b3ed43a15017" ], "636aa9bc-c91e-4b08-a665-1add64d3f7e3": [ "1034df4a-9a50-4f60-8c13-b3ed43a15017" ], "2998fb5d-89c4-45aa-a3d1-df7eb308f6f7": [ "1034df4a-9a50-4f60-8c13-b3ed43a15017" ], "ad76a08d-754d-4548-981f-00557af0c807": [ "1034df4a-9a50-4f60-8c13-b3ed43a15017" ], "9b06e5b7-22de-4403-a110-17e21922f302": [ "1034df4a-9a50-4f60-8c13-b3ed43a15017" ], "6f67436c-912d-4019-ae97-9c13972a29f9": [ "1034df4a-9a50-4f60-8c13-b3ed43a15017" ], "8d90517d-f7d4-4ae4-b713-b2a996f2316b": [ "1034df4a-9a50-4f60-8c13-b3ed43a15017" ], "8cd2d365-5d81-4cae-ad28-5dfe86a6ca61": [ "1034df4a-9a50-4f60-8c13-b3ed43a15017" ], "4c640f71-758f-4c0f-adb9-a0b5b0c5df16": [ "1034df4a-9a50-4f60-8c13-b3ed43a15017" ], "3ffb38ae-9920-429c-9545-70aeb3418210": [ "1034df4a-9a50-4f60-8c13-b3ed43a15017" ], "d3ae5110-1628-40b7-8dba-2a7ff799fd5f": [ "d9231c17-601d-4966-8c23-b5048654ed99" ], "62c63297-7956-41f9-8a98-dd983b1c7822": [ "d9231c17-601d-4966-8c23-b5048654ed99" ], "01bc73a9-c5dd-4aad-80ca-fef630cccc6c": [ "d9231c17-601d-4966-8c23-b5048654ed99" ], "3b7a542d-d9ca-40bc-a52c-5efd3656ed7f": [ "d9231c17-601d-4966-8c23-b5048654ed99" ], "d41fcf22-59c7-4272-993a-27f8d87b01a2": [ "d9231c17-601d-4966-8c23-b5048654ed99" ], "eb1c6f57-54b9-43ba-a09d-0563a724e017": [ "d9231c17-601d-4966-8c23-b5048654ed99" ], "0fc20edf-c09d-40aa-9062-54df5b815a08": [ "d9231c17-601d-4966-8c23-b5048654ed99" ], "72324e84-3cb5-43db-bdd0-f3b2559e8a5f": [ "d9231c17-601d-4966-8c23-b5048654ed99" ], "ed1c10e3-8816-4062-a98d-ff3b1804bdff": [ "d9231c17-601d-4966-8c23-b5048654ed99" ], "31fdfc25-fd37-4d84-b576-b0d3ba9a08e3": [ "d9231c17-601d-4966-8c23-b5048654ed99" ], "0b0be9cc-7fa3-48e4-80e3-964847b2ed4b": [ "70d5eb8b-4d56-43c6-92e1-91c8f5008be8" ], "1eadf11a-0362-448f-869c-c56e81c23b22": [ "70d5eb8b-4d56-43c6-92e1-91c8f5008be8" ], "3c297782-2f57-4a23-8750-292276e29562": [ "70d5eb8b-4d56-43c6-92e1-91c8f5008be8" ], "4224eaf4-07bd-44df-b6c8-db72751ee2c9": [ "70d5eb8b-4d56-43c6-92e1-91c8f5008be8" ], "e4f1cefe-d9a5-40ec-bdb4-bb029a4a2633": [ "70d5eb8b-4d56-43c6-92e1-91c8f5008be8" ], "31695e7f-af6c-4bf4-b012-f2219254d9cb": [ "70d5eb8b-4d56-43c6-92e1-91c8f5008be8" ], "31a8667d-a967-4b40-b7bf-fa7a2540856e": [ "70d5eb8b-4d56-43c6-92e1-91c8f5008be8" ], "bffa9433-8559-4514-a1bd-d6d264667bf9": [ "70d5eb8b-4d56-43c6-92e1-91c8f5008be8" ], "fd8967b4-c698-4529-9311-e9d0c2c9fa89": [ "70d5eb8b-4d56-43c6-92e1-91c8f5008be8" ], "cc0b7830-782b-41c9-b132-c59ba4fb3844": [ "70d5eb8b-4d56-43c6-92e1-91c8f5008be8" ], "a18bcdf8-ec6e-4c75-83fe-91a7514f87e6": [ "e4560069-6449-41e5-9286-d88ace6b9534" ], "2eb83e77-14d8-405f-b4bd-9026b7fb8748": [ "e4560069-6449-41e5-9286-d88ace6b9534" ], "deb5c0fc-a1d7-4649-84b3-3dbfed508105": [ "e4560069-6449-41e5-9286-d88ace6b9534" ], "d85cb9f3-31bc-4bbe-a5c8-2f5eb591815b": [ "e4560069-6449-41e5-9286-d88ace6b9534" ], "b7910bdb-d3ba-4e98-961a-2a7d06774408": [ "e4560069-6449-41e5-9286-d88ace6b9534" ], "546e595b-c0ad-4b7e-86dd-d74c8a4f1c75": [ "e4560069-6449-41e5-9286-d88ace6b9534" ], "cf12ba79-3663-4d7c-8021-55caccc009ef": [ "e4560069-6449-41e5-9286-d88ace6b9534" ], "78b0b3cc-8b00-41bd-afed-7d9ae7b31d9a": [ "e4560069-6449-41e5-9286-d88ace6b9534" ], "2f33d83c-916f-45d1-9c9d-3d2006a7b9e3": [ "e4560069-6449-41e5-9286-d88ace6b9534" ], "deb7cfe0-76b6-47b8-85c8-27c39e3bd8c3": [ "e4560069-6449-41e5-9286-d88ace6b9534" ], "c727974f-e4e4-4e62-bbeb-8d0f8e042e0e": [ "015f573a-81a2-4566-aca0-93bc1e1d8672" ], "a47e548a-b8c3-4875-be5a-a256e1cf4362": [ "015f573a-81a2-4566-aca0-93bc1e1d8672" ], "6669b65c-70f2-4198-b36e-35e431b4319c": [ "015f573a-81a2-4566-aca0-93bc1e1d8672" ], "f552ed8e-2035-4c4f-b963-edad1223978a": [ "015f573a-81a2-4566-aca0-93bc1e1d8672" ], "ac45886d-af55-4e02-8086-e9b079591fef": [ "015f573a-81a2-4566-aca0-93bc1e1d8672" ], "0252ae17-fcca-44d0-aaa6-dc5f0ca4f9da": [ "015f573a-81a2-4566-aca0-93bc1e1d8672" ], "53df644b-7842-4b12-ac2d-d4881049dc86": [ "015f573a-81a2-4566-aca0-93bc1e1d8672" ], "86bd9f20-7e96-4660-a209-4c222c081ff6": [ "015f573a-81a2-4566-aca0-93bc1e1d8672" ], "7b670a8a-f431-432f-bd42-7a6df87967f8": [ "015f573a-81a2-4566-aca0-93bc1e1d8672" ], "9ffb307e-00b3-41c0-a295-a6f7e87d5451": [ "015f573a-81a2-4566-aca0-93bc1e1d8672" ], "472b1cff-0e9b-45db-83b7-dcc03e6e60e2": [ "d6222d99-0215-4690-96e7-46cb87c99efc" ], "69783600-6ba8-40af-8784-9818c96f2c05": [ "d6222d99-0215-4690-96e7-46cb87c99efc" ], "1a05cb8b-118e-4cd2-9d5a-caed57f619d0": [ "d6222d99-0215-4690-96e7-46cb87c99efc" ], "6f98e67b-7061-4050-96dd-eb97fcfc33a0": [ "d6222d99-0215-4690-96e7-46cb87c99efc" ], "08030730-e663-4f48-92f4-cd5cd306be89": [ "d6222d99-0215-4690-96e7-46cb87c99efc" ], "b27f660d-76bd-48b8-9f98-0e517813b89f": [ "d6222d99-0215-4690-96e7-46cb87c99efc" ], "82ed5ddc-1fd2-41a2-a442-6009948aed51": [ "d6222d99-0215-4690-96e7-46cb87c99efc" ], "d489b2b5-1102-48e7-ba44-8770192b2938": [ "d6222d99-0215-4690-96e7-46cb87c99efc" ], "f09f1822-b777-430b-be77-c1f29fac7a7f": [ "d6222d99-0215-4690-96e7-46cb87c99efc" ], "44c3b66b-8201-473b-9b34-554c95cf67f6": [ "d6222d99-0215-4690-96e7-46cb87c99efc" ], "548a0a7b-4ab0-4235-a39e-2776672c9298": [ "f6bddbac-fd0a-413e-89f5-2023490ed545" ], "d9a372d0-46c4-40b5-a39b-01e2449f2c6e": [ "f6bddbac-fd0a-413e-89f5-2023490ed545" ], "07344bb0-f227-414c-9686-23d2aafacefc": [ "f6bddbac-fd0a-413e-89f5-2023490ed545" ], "2056dc56-18fe-4f63-a781-628697d7503b": [ "f6bddbac-fd0a-413e-89f5-2023490ed545" ], "ef234cf3-efe5-4677-87ec-b9c257d50a85": [ "f6bddbac-fd0a-413e-89f5-2023490ed545" ], "96d4bdad-072f-4aed-9c1c-000b85c4d81e": [ "f6bddbac-fd0a-413e-89f5-2023490ed545" ], "66f13f30-07f3-4376-896f-4e98c2144f87": [ "f6bddbac-fd0a-413e-89f5-2023490ed545" ], "0bdc4c73-4b93-4d9f-8499-6d532c7cd0ec": [ "f6bddbac-fd0a-413e-89f5-2023490ed545" ], "4122c083-a701-4e14-a361-b27cf1827e98": [ "f6bddbac-fd0a-413e-89f5-2023490ed545" ], "44fba0e4-7246-4e7a-a7a8-39f2979a1b61": [ "f6bddbac-fd0a-413e-89f5-2023490ed545" ], "e1dc73d8-a993-4156-b1e5-5154429815c1": [ "640c746b-c8fa-437b-a4f0-50e6a13c3b91" ], "da16ad7d-1c33-47a8-bbf2-4ba518717bfa": [ "640c746b-c8fa-437b-a4f0-50e6a13c3b91" ], "cc9d79d6-7e1c-45ab-91f9-ef9aeb2b4ca2": [ "640c746b-c8fa-437b-a4f0-50e6a13c3b91" ], "7bb13a8c-8b03-4ea9-8a65-0f2f6e15c3c9": [ "640c746b-c8fa-437b-a4f0-50e6a13c3b91" ], "2067af7f-17a0-4bac-a002-c038aa833447": [ "640c746b-c8fa-437b-a4f0-50e6a13c3b91" ], "75330a97-8c7b-410a-b2e5-21fd07586918": [ "640c746b-c8fa-437b-a4f0-50e6a13c3b91" ], "8825049c-fcdf-4609-bea1-40a7c40c55b4": [ "640c746b-c8fa-437b-a4f0-50e6a13c3b91" ], "4cd56892-8463-4bab-a33b-1aa2ed22edd5": [ "640c746b-c8fa-437b-a4f0-50e6a13c3b91" ], "765bc9a0-277a-4ee4-a39a-c54856d1d9be": [ "640c746b-c8fa-437b-a4f0-50e6a13c3b91" ], "f3985444-c3c9-41ae-a198-cbe332a02ab4": [ "640c746b-c8fa-437b-a4f0-50e6a13c3b91" ], "370ba0e6-257e-4562-a700-712d556efb44": [ "352be19a-9d10-496b-a040-141580464e53" ], "bd30016c-43c4-42c9-ba8a-47ed4edb06c3": [ "352be19a-9d10-496b-a040-141580464e53" ], "8d91036d-f9e3-45a3-85b9-346799806755": [ "352be19a-9d10-496b-a040-141580464e53" ], "d10e8d3c-b25a-4ef9-8b90-6cf1a48b1b7b": [ "352be19a-9d10-496b-a040-141580464e53" ], "3feefb2e-0cbc-451e-8b94-f1914fc21686": [ "352be19a-9d10-496b-a040-141580464e53" ], "a3636b3c-f70c-48b9-b3f0-4a3a3ebdfbd0": [ "352be19a-9d10-496b-a040-141580464e53" ], "992082d0-9136-48c5-a173-665dcdb4b5e0": [ "352be19a-9d10-496b-a040-141580464e53" ], "dd19d8f1-d3d0-46db-86ab-10e941ab0eaa": [ "352be19a-9d10-496b-a040-141580464e53" ], "428a2085-fbd0-4f31-9b1d-85f4d124c860": [ "352be19a-9d10-496b-a040-141580464e53" ], "8d0d9717-b90d-4339-8fb9-1eabbdf1f8ac": [ "352be19a-9d10-496b-a040-141580464e53" ], "060b0136-59f2-44eb-a410-8025fa14044f": [ "6fbe5378-5b11-4bfd-9da2-b49e55db685a" ], "4b41e1b7-48de-4ef2-9f7b-3cc54125d27d": [ "6fbe5378-5b11-4bfd-9da2-b49e55db685a" ], "95d355ca-927a-4260-821a-e574915800dd": [ "6fbe5378-5b11-4bfd-9da2-b49e55db685a" ], "d232d872-b9c7-4767-832d-2db0aaddd7f7": [ "6fbe5378-5b11-4bfd-9da2-b49e55db685a" ], "ae66b115-466d-429b-a50c-16ab0951c5b8": [ "6fbe5378-5b11-4bfd-9da2-b49e55db685a" ], "872f2647-59d7-4c9d-bfc5-1d26bcf20811": [ "6fbe5378-5b11-4bfd-9da2-b49e55db685a" ], "25776eb2-d225-4591-b9d0-3e6dd1232f1e": [ "6fbe5378-5b11-4bfd-9da2-b49e55db685a" ], "1c3fbb5e-8e67-4383-b85e-a73b09616b32": [ "6fbe5378-5b11-4bfd-9da2-b49e55db685a" ], "a4e72f00-13c4-4faa-abe7-954c2e00f29a": [ "6fbe5378-5b11-4bfd-9da2-b49e55db685a" ], "6bd18066-f62e-4abc-96da-a18a509d8940": [ "6fbe5378-5b11-4bfd-9da2-b49e55db685a" ], "396ee032-6a88-4582-acd8-2ea023d9efa9": [ "da23bbe1-e6bf-4b58-9222-f68041567f32" ], "90997f59-0500-4550-a589-35199baabf9d": [ "da23bbe1-e6bf-4b58-9222-f68041567f32" ], "7ae77a8b-da3c-4d55-a736-843bde612876": [ "da23bbe1-e6bf-4b58-9222-f68041567f32" ], "bc1eb021-7f6f-4c53-aa7d-58af3b868bb1": [ "da23bbe1-e6bf-4b58-9222-f68041567f32" ], "74ae6692-8a24-491b-9cf9-efb52abae2c2": [ "da23bbe1-e6bf-4b58-9222-f68041567f32" ], "3adee290-84c5-4aa3-9764-09fe22c4896c": [ "da23bbe1-e6bf-4b58-9222-f68041567f32" ], "f0b25346-f0c6-4a8c-bf87-62fa2bd076d8": [ "da23bbe1-e6bf-4b58-9222-f68041567f32" ], "921fb8a0-cfcc-48f8-b407-addd3976b64e": [ "da23bbe1-e6bf-4b58-9222-f68041567f32" ], "d8657321-28a5-45e7-947d-c7291eadeef4": [ "da23bbe1-e6bf-4b58-9222-f68041567f32" ], "364069d4-5eda-46ad-a3d9-57dba73010f7": [ "da23bbe1-e6bf-4b58-9222-f68041567f32" ], "57588044-3e7d-4692-8301-bb7a73836fbb": [ "44c0d860-273c-4f15-b67a-40f7d7aec9bd" ], "9d060425-8cd3-4eac-a900-b84c7a4552a6": [ "44c0d860-273c-4f15-b67a-40f7d7aec9bd" ], "556d77ed-131f-4465-9aac-f4dfd8f1b7ff": [ "44c0d860-273c-4f15-b67a-40f7d7aec9bd" ], "bbe8ae11-f4a8-40d1-ba23-671583aaca8d": [ "44c0d860-273c-4f15-b67a-40f7d7aec9bd" ], "c17e9bb4-f627-45f4-bec3-9ad587c2c651": [ "44c0d860-273c-4f15-b67a-40f7d7aec9bd" ], "4d16d428-4a85-4f32-a902-3c1ecc3172db": [ "44c0d860-273c-4f15-b67a-40f7d7aec9bd" ], "27cafc7c-d822-421f-b824-a62bc836c0d4": [ "44c0d860-273c-4f15-b67a-40f7d7aec9bd" ], "4ae081cd-87c5-43b2-a469-1bd6d97e4ff7": [ "44c0d860-273c-4f15-b67a-40f7d7aec9bd" ], "f8a920e4-825e-4451-8fce-f0aede81c47d": [ "44c0d860-273c-4f15-b67a-40f7d7aec9bd" ], "476f5162-6f3b-4904-957c-3b5828ee8d67": [ "44c0d860-273c-4f15-b67a-40f7d7aec9bd" ], "5963feee-5677-4ff6-9b5b-9c60c8e034e9": [ "b5e42120-de19-4e3b-90f2-b4b6ae0ef86a" ], "6f110722-03d4-4c33-8eb1-7acc81c7539c": [ "b5e42120-de19-4e3b-90f2-b4b6ae0ef86a" ], "c91a7e55-eb80-4703-baff-91e4ce0f4e04": [ "b5e42120-de19-4e3b-90f2-b4b6ae0ef86a" ], "f1fb69c2-eb11-4d53-9eb4-1c2bc5d94036": [ "b5e42120-de19-4e3b-90f2-b4b6ae0ef86a" ], "15177441-a64b-46b9-8a1e-04b7a02c659c": [ "b5e42120-de19-4e3b-90f2-b4b6ae0ef86a" ], "e7885abf-9644-4787-8021-8be8a0c8978a": [ "b5e42120-de19-4e3b-90f2-b4b6ae0ef86a" ], "633c5c76-ed6c-4f21-bda4-670df324947b": [ "b5e42120-de19-4e3b-90f2-b4b6ae0ef86a" ], "6656b765-5063-4c78-bf8f-ce01d841ff80": [ "b5e42120-de19-4e3b-90f2-b4b6ae0ef86a" ], "4c70f103-2734-4534-886b-b6c9c068e556": [ "b5e42120-de19-4e3b-90f2-b4b6ae0ef86a" ], "06844e8b-d16f-4fa1-b428-ef0350c9a1c9": [ "b5e42120-de19-4e3b-90f2-b4b6ae0ef86a" ], "4afa37a4-7d36-4f02-8185-73b9076fb7d5": [ "8d8e6d4c-b3ed-427e-a35b-6a913b05836a" ], "49530d44-9481-4616-9d83-f29744d86537": [ "8d8e6d4c-b3ed-427e-a35b-6a913b05836a" ], "26465266-4b4a-4703-8fed-74a650ce68e5": [ "8d8e6d4c-b3ed-427e-a35b-6a913b05836a" ], "ddb4d4c5-396f-45e0-82bc-b3825c7b8d1e": [ "8d8e6d4c-b3ed-427e-a35b-6a913b05836a" ], "f6c9fdad-cfae-4691-b101-f0d2da9c3269": [ "8d8e6d4c-b3ed-427e-a35b-6a913b05836a" ], "fe707f1c-58a3-459b-a699-e70bd7878b7c": [ "8d8e6d4c-b3ed-427e-a35b-6a913b05836a" ], "22a73ab1-8167-4f49-a023-9dc5336041e5": [ "8d8e6d4c-b3ed-427e-a35b-6a913b05836a" ], "c3b311c7-4dcd-4793-978c-197c49b19bf0": [ "8d8e6d4c-b3ed-427e-a35b-6a913b05836a" ], "d7af7c86-829b-42dd-ad41-534f5f48f623": [ "8d8e6d4c-b3ed-427e-a35b-6a913b05836a" ], "864b7efc-7c02-4686-9754-f8dad429314a": [ "8d8e6d4c-b3ed-427e-a35b-6a913b05836a" ], "78a8920c-1568-4490-a578-a69471615791": [ "3303dbd9-35ff-42c4-8ad0-0d18a299fab3" ], "e7be31aa-609d-4ad8-8764-580dc38e30e6": [ "3303dbd9-35ff-42c4-8ad0-0d18a299fab3" ], "23f4052d-82e1-4095-a0aa-f39c26243ce8": [ "3303dbd9-35ff-42c4-8ad0-0d18a299fab3" ], "55cc894a-cafc-4ca2-acaf-3b482d4bb5a6": [ "3303dbd9-35ff-42c4-8ad0-0d18a299fab3" ], "306f2f82-f9f9-42c7-a8fb-5804d267086a": [ "3303dbd9-35ff-42c4-8ad0-0d18a299fab3" ], "38ca1df9-2a86-46fd-83e5-7263ab619fa8": [ "3303dbd9-35ff-42c4-8ad0-0d18a299fab3" ], "3d45016f-f563-468a-821f-a4ee31d5e933": [ "3303dbd9-35ff-42c4-8ad0-0d18a299fab3" ], "74efa86e-d1dc-4297-bf92-7003c69db74f": [ "3303dbd9-35ff-42c4-8ad0-0d18a299fab3" ], "eb8b6d29-dcf0-477f-b091-08bfd5853195": [ "3303dbd9-35ff-42c4-8ad0-0d18a299fab3" ], "941b81e5-5fce-4762-a3be-724c771c9863": [ "3303dbd9-35ff-42c4-8ad0-0d18a299fab3" ], "e3c5c5cc-77d2-434e-b731-512a2da82b15": [ "815efdf4-a77d-48eb-b267-a1277474315f" ], "e96ca17d-4ef6-4690-b592-f4c7a4e3c216": [ "815efdf4-a77d-48eb-b267-a1277474315f" ], "a100917e-64e3-4a0f-9213-d55e244698b3": [ "815efdf4-a77d-48eb-b267-a1277474315f" ], "748e26b8-7015-40c3-b269-99cb55478264": [ "815efdf4-a77d-48eb-b267-a1277474315f" ], "39b117de-3b42-4166-9140-04eb253cd214": [ "815efdf4-a77d-48eb-b267-a1277474315f" ], "ae11fd72-ebad-499c-a7e0-caac2238aa96": [ "815efdf4-a77d-48eb-b267-a1277474315f" ], "51be1a3d-3896-4b28-9f3b-e1d5275aa4c8": [ "815efdf4-a77d-48eb-b267-a1277474315f" ], "14b4e671-90c5-4d6f-9632-a55d7c59be5f": [ "815efdf4-a77d-48eb-b267-a1277474315f" ], "dc60e8bb-b5d3-4cf8-9578-941a026e14e5": [ "815efdf4-a77d-48eb-b267-a1277474315f" ], "0c110569-11ce-457c-aedb-e88b25ccdf47": [ "815efdf4-a77d-48eb-b267-a1277474315f" ], "7cf4de9a-c988-4b29-aa57-bafe9a75ca14": [ "ab8d24b1-14b0-4d8d-9bc8-db4a8cc5db01" ], "b2488b25-0ba8-47af-9be6-46da42a4f614": [ "ab8d24b1-14b0-4d8d-9bc8-db4a8cc5db01" ], "a89d3c66-e525-488b-b88d-31cd3fea0580": [ "ab8d24b1-14b0-4d8d-9bc8-db4a8cc5db01" ], "bc295535-2bc2-4fb4-a3f6-41de634e310a": [ "ab8d24b1-14b0-4d8d-9bc8-db4a8cc5db01" ], "4f239c22-1618-4934-910a-32e2ffadcb1c": [ "ab8d24b1-14b0-4d8d-9bc8-db4a8cc5db01" ], "8952e315-65f4-47e3-a4ee-b0a0f669c89e": [ "ab8d24b1-14b0-4d8d-9bc8-db4a8cc5db01" ], "3f2198fd-e850-45e7-8b25-c76c3ee2b8c9": [ "ab8d24b1-14b0-4d8d-9bc8-db4a8cc5db01" ], "6a0a042b-9a34-42c1-b9ff-de9a90ee23d3": [ "ab8d24b1-14b0-4d8d-9bc8-db4a8cc5db01" ], "15fc4f63-21aa-4881-9088-087d863e0379": [ "ab8d24b1-14b0-4d8d-9bc8-db4a8cc5db01" ], "90ce1419-c73c-4a50-8168-df3b1129691d": [ "ab8d24b1-14b0-4d8d-9bc8-db4a8cc5db01" ], "be4fbafa-0d84-4e9f-a3c7-d42750216a0e": [ "47bc0be6-b1eb-404f-8fd9-454cb1a6369b" ], "edd8ca46-64a4-499d-99cf-6119480c472a": [ "47bc0be6-b1eb-404f-8fd9-454cb1a6369b" ], "cac4e59d-3f50-454d-8231-37aabae202a7": [ "47bc0be6-b1eb-404f-8fd9-454cb1a6369b" ], "60aa13b5-f354-49e5-b17b-e2814571ac57": [ "47bc0be6-b1eb-404f-8fd9-454cb1a6369b" ], "1583a950-5c99-4ba2-8981-de1b8b100220": [ "47bc0be6-b1eb-404f-8fd9-454cb1a6369b" ], "ae18e54b-1989-4ad1-a6aa-7486348db8ea": [ "47bc0be6-b1eb-404f-8fd9-454cb1a6369b" ], "95af8219-e9fb-41ee-922a-58ce803e759b": [ "47bc0be6-b1eb-404f-8fd9-454cb1a6369b" ], "618f8a6b-8b6b-49db-9d68-830eab386590": [ "47bc0be6-b1eb-404f-8fd9-454cb1a6369b" ], "976ccbb3-3297-437b-8c84-265b8a26eaa7": [ "47bc0be6-b1eb-404f-8fd9-454cb1a6369b" ], "2a5dfd34-31c3-41a3-aeaa-06668778c24b": [ "47bc0be6-b1eb-404f-8fd9-454cb1a6369b" ], "1f8f2992-faeb-4c13-a3f8-58654b103f7b": [ "13cc0613-2150-43c0-8cd5-da111a95bc86" ], "5a140f5f-ad5c-4bc1-abc7-803b06421bbd": [ "13cc0613-2150-43c0-8cd5-da111a95bc86" ], "71e88bc4-7d27-4846-99c4-d799c6cacfaf": [ "13cc0613-2150-43c0-8cd5-da111a95bc86" ], "f701072c-8232-466d-978e-8d0b38a5ac31": [ "13cc0613-2150-43c0-8cd5-da111a95bc86" ], "57e0841b-5898-408c-b092-4c108389245c": [ "13cc0613-2150-43c0-8cd5-da111a95bc86" ], "49cfa15c-ae6c-483d-a6c3-b9f4d3d548d2": [ "13cc0613-2150-43c0-8cd5-da111a95bc86" ], "c2d9e92d-62fd-458c-a9c0-ef10662ea3aa": [ "13cc0613-2150-43c0-8cd5-da111a95bc86" ], "397ee421-73bb-4c13-bcc1-15067c22adfd": [ "13cc0613-2150-43c0-8cd5-da111a95bc86" ], "ae868451-edae-40bb-973c-b1f31a05f74d": [ "13cc0613-2150-43c0-8cd5-da111a95bc86" ], "301a1787-9199-45bc-a8d8-9d52188aa976": [ "13cc0613-2150-43c0-8cd5-da111a95bc86" ], "2b179d0a-dbbe-42f1-8a04-992a15642653": [ "5be6cf9f-80e1-44f0-ab0e-2c58fca790aa" ], "7c0572f2-1d43-4644-8aba-22ed1cb78845": [ "5be6cf9f-80e1-44f0-ab0e-2c58fca790aa" ], "b5843e1e-616c-4078-8f0d-7661c03cf96e": [ "5be6cf9f-80e1-44f0-ab0e-2c58fca790aa" ], "a27ab86c-dbfb-45ac-9113-f5835104c935": [ "5be6cf9f-80e1-44f0-ab0e-2c58fca790aa" ], "8c2d5cf4-4802-4ee0-9161-5227e149b31f": [ "5be6cf9f-80e1-44f0-ab0e-2c58fca790aa" ], "f00ce564-8e54-46bd-b4f3-92f821b6248f": [ "5be6cf9f-80e1-44f0-ab0e-2c58fca790aa" ], "e1345a47-b2ec-4ae5-8bf2-15b2346dd3a3": [ "5be6cf9f-80e1-44f0-ab0e-2c58fca790aa" ], "ea01dfaf-a12b-4229-8e20-17bb3d85b368": [ "5be6cf9f-80e1-44f0-ab0e-2c58fca790aa" ], "ed6ff3d8-8da1-4006-af02-2e39dc4c4c49": [ "5be6cf9f-80e1-44f0-ab0e-2c58fca790aa" ], "852c620c-988b-405a-8d9e-e319480cf86c": [ "5be6cf9f-80e1-44f0-ab0e-2c58fca790aa" ], "02d33efe-00fd-4dfd-b0e6-a148203dfb8b": [ "a1b22c21-e9f0-43f8-b7dc-56068e14cb20" ], "af79677f-8ad8-4b7a-a9c4-e961eb7bb3de": [ "a1b22c21-e9f0-43f8-b7dc-56068e14cb20" ], "d83c6523-43f2-4778-9323-6fa874d0cda9": [ "a1b22c21-e9f0-43f8-b7dc-56068e14cb20" ], "3b952b15-1636-4843-8a0c-830d3fec7f08": [ "a1b22c21-e9f0-43f8-b7dc-56068e14cb20" ], "8ea12c6e-c1fb-4897-ada1-367a5e7093ea": [ "a1b22c21-e9f0-43f8-b7dc-56068e14cb20" ], "32e40bff-4a35-4a6e-8af5-fcc1f9fc4b5c": [ "a1b22c21-e9f0-43f8-b7dc-56068e14cb20" ], "e9e9981e-f830-4d55-ba17-cb8c6becb2f8": [ "a1b22c21-e9f0-43f8-b7dc-56068e14cb20" ], "25e389c7-02be-4817-8e53-f04410581e20": [ "a1b22c21-e9f0-43f8-b7dc-56068e14cb20" ], "30ad7d96-b2c0-4a2a-9c80-6af65659f20e": [ "a1b22c21-e9f0-43f8-b7dc-56068e14cb20" ], "d98da786-8732-4702-8759-6f587ce9199c": [ "a1b22c21-e9f0-43f8-b7dc-56068e14cb20" ], "deae33f8-83e8-46eb-8ec4-2d7935d64abf": [ "d42584c9-690a-4f32-a7a2-faff2cee250c" ], "a3cfb4dc-ef96-466c-9df3-89f9b1e9ebe7": [ "d42584c9-690a-4f32-a7a2-faff2cee250c" ], "2d0baa82-5410-4ffc-b546-2a570bb6f90a": [ "d42584c9-690a-4f32-a7a2-faff2cee250c" ], "f55fb55f-766b-4706-a2fa-e770aab14d6d": [ "d42584c9-690a-4f32-a7a2-faff2cee250c" ], "3465520e-81e4-45b1-9659-72759fd82d32": [ "d42584c9-690a-4f32-a7a2-faff2cee250c" ], "4738e636-9a75-4cfa-8e6a-9e05dc57fe17": [ "d42584c9-690a-4f32-a7a2-faff2cee250c" ], "af15a12e-3dc1-497b-88a6-e896eac47c32": [ "d42584c9-690a-4f32-a7a2-faff2cee250c" ], "10a562bb-dedd-4167-b329-dc4ec10d8804": [ "d42584c9-690a-4f32-a7a2-faff2cee250c" ], "c522880c-ebb6-4752-a484-3758974dc530": [ "d42584c9-690a-4f32-a7a2-faff2cee250c" ], "2c8d1bc7-6534-4b6e-8b52-77461272cb13": [ "d42584c9-690a-4f32-a7a2-faff2cee250c" ], "5c0db5fb-f2c3-4a17-b3ec-a343f181e9dd": [ "177e74d5-3bcb-460d-86e2-c620c72348d7" ], "2d8f93e8-782e-4d37-91ed-d3dfc99f6d97": [ "177e74d5-3bcb-460d-86e2-c620c72348d7" ], "eaf85ba8-d29e-4ad0-aaac-d77fb415369d": [ "177e74d5-3bcb-460d-86e2-c620c72348d7" ], "b26cf107-858a-43d5-9e85-1aa572f8da19": [ "177e74d5-3bcb-460d-86e2-c620c72348d7" ], "7dd1f223-67e3-4f1b-b98e-905f3d2266f5": [ "177e74d5-3bcb-460d-86e2-c620c72348d7" ], "1cee173e-0b11-4558-b77c-1f29a89af306": [ "177e74d5-3bcb-460d-86e2-c620c72348d7" ], "809628c8-d916-4881-98b2-50ac58ef8f98": [ "177e74d5-3bcb-460d-86e2-c620c72348d7" ], "5004f64b-72cf-4f83-9cc9-61abc77d3d68": [ "177e74d5-3bcb-460d-86e2-c620c72348d7" ], "a1944346-b10f-4395-81bc-2f3a1eb58bae": [ "177e74d5-3bcb-460d-86e2-c620c72348d7" ], "e2f28ea8-1844-49f2-b9bc-3a592f13ad37": [ "177e74d5-3bcb-460d-86e2-c620c72348d7" ], "32fd3016-53a4-4809-90c4-5632d406e149": [ "52d84aa2-a191-450f-b1e2-e51d10150d62" ], "a88b31b4-63d2-4ae7-959a-331952c34b93": [ "52d84aa2-a191-450f-b1e2-e51d10150d62" ], "d8808451-3707-4ff3-84e5-dfdcb7a49c0e": [ "52d84aa2-a191-450f-b1e2-e51d10150d62" ], "144452a1-6af0-4b60-945f-545353d4dc95": [ "52d84aa2-a191-450f-b1e2-e51d10150d62" ], "88c2d842-2922-4e15-a457-172df6ab1735": [ "52d84aa2-a191-450f-b1e2-e51d10150d62" ], "6c13dca8-8790-4b8a-917d-10fc5b7dee8b": [ "52d84aa2-a191-450f-b1e2-e51d10150d62" ], "91f84797-ae14-4fc8-a586-721fde573853": [ "52d84aa2-a191-450f-b1e2-e51d10150d62" ], "a998335d-e963-4001-bfde-b65b388388f8": [ "52d84aa2-a191-450f-b1e2-e51d10150d62" ], "b4f16fe3-9b1e-4748-b056-e11466898b7d": [ "52d84aa2-a191-450f-b1e2-e51d10150d62" ], "750c9b57-f890-4d04-9098-5c21390c184a": [ "52d84aa2-a191-450f-b1e2-e51d10150d62" ], "eb2c3900-a947-4e98-a2ca-f98134738ed8": [ "c85fc80a-d065-4df5-86e0-be1dcc18cd96" ], "02d249f3-25dc-488f-be05-813fc47b02c5": [ "c85fc80a-d065-4df5-86e0-be1dcc18cd96" ], "d379dfb2-9710-45f2-89a2-28fb9bf3245e": [ "c85fc80a-d065-4df5-86e0-be1dcc18cd96" ], "3d794501-e6b8-433c-b411-d39aea079255": [ "c85fc80a-d065-4df5-86e0-be1dcc18cd96" ], "0be293b5-2405-4f0d-95ab-745a2e7f302e": [ "c85fc80a-d065-4df5-86e0-be1dcc18cd96" ], "3b8b2871-63c9-4b7f-8cb9-63412c612dc4": [ "c85fc80a-d065-4df5-86e0-be1dcc18cd96" ], "5586d753-8161-4630-8cbb-666b394a1d1a": [ "c85fc80a-d065-4df5-86e0-be1dcc18cd96" ], "d94227c6-9dfc-427d-8e2f-124a3a45b862": [ "c85fc80a-d065-4df5-86e0-be1dcc18cd96" ], "40068d12-bd6c-48e9-b8ec-a77b0ec1ffdf": [ "c85fc80a-d065-4df5-86e0-be1dcc18cd96" ], "06642bef-b16a-4313-b29e-94beb27d055b": [ "c85fc80a-d065-4df5-86e0-be1dcc18cd96" ], "390ab118-0190-48eb-80a1-a952deac9499": [ "eeeed6ea-56f8-47f5-a686-4aec1155c46d" ], "f88c6737-e461-475d-9f0e-684ad0de9b0c": [ "eeeed6ea-56f8-47f5-a686-4aec1155c46d" ], "6aa02817-619c-4bb7-9ceb-fb1b393d5e46": [ "eeeed6ea-56f8-47f5-a686-4aec1155c46d" ], "03929e19-22f9-44d1-b765-990d33863ae3": [ "eeeed6ea-56f8-47f5-a686-4aec1155c46d" ], "b3ff3dd8-6e9e-4072-b12a-4b1b97faa5e0": [ "eeeed6ea-56f8-47f5-a686-4aec1155c46d" ], "04fd90a4-8c04-440e-b43b-d925aa909aad": [ "eeeed6ea-56f8-47f5-a686-4aec1155c46d" ], "e6594c5d-c8e8-4e2e-9ce5-6e8929942a06": [ "eeeed6ea-56f8-47f5-a686-4aec1155c46d" ], "6aaa69f6-70f6-49f7-80e2-fef3deaaa5f3": [ "eeeed6ea-56f8-47f5-a686-4aec1155c46d" ], "2eef1fea-3eb0-41a9-8d34-d9336af1ffbc": [ "eeeed6ea-56f8-47f5-a686-4aec1155c46d" ], "51489729-5e26-4dea-b266-2d21c90abc34": [ "eeeed6ea-56f8-47f5-a686-4aec1155c46d" ], "bf3c88a4-39d0-4b1a-ab97-8876cecef0f3": [ "e6e797c8-019e-4cdc-97e2-baadadc78e89" ], "34653521-4594-446f-86e4-7079e7e97ce0": [ "e6e797c8-019e-4cdc-97e2-baadadc78e89" ], "bff704f6-4930-4908-aba3-1a69fcfb486b": [ "e6e797c8-019e-4cdc-97e2-baadadc78e89" ], "6567ca3f-1dbb-4c57-b04c-181dd7602812": [ "e6e797c8-019e-4cdc-97e2-baadadc78e89" ], "6267b398-3b22-44dd-a3d1-e7380163f612": [ "e6e797c8-019e-4cdc-97e2-baadadc78e89" ], "c1a8f987-83b7-4835-a6a6-ad0bb620ff9f": [ "e6e797c8-019e-4cdc-97e2-baadadc78e89" ], "cfebe089-c709-49eb-a8d1-6733ede6c36d": [ "e6e797c8-019e-4cdc-97e2-baadadc78e89" ], "e991f67b-0bd6-4cf4-b17d-b1fd42bf4ff7": [ "e6e797c8-019e-4cdc-97e2-baadadc78e89" ], "a8eedfc9-697a-409b-83c9-c0c872c6c1f4": [ "e6e797c8-019e-4cdc-97e2-baadadc78e89" ], "7b78d70b-3b69-4ca8-9cb2-51c6949b9cd1": [ "e6e797c8-019e-4cdc-97e2-baadadc78e89" ], "17ebe092-4c5b-4399-b789-508c53e95b7a": [ "695bdfd6-229a-402a-a89e-7614703de966" ], "a23f6731-99ee-47ef-b3c6-bc5105f5d635": [ "695bdfd6-229a-402a-a89e-7614703de966" ], "b93d0d6d-b988-4926-9ca6-de0aa6ce4077": [ "695bdfd6-229a-402a-a89e-7614703de966" ], "10fe5afd-5510-45b0-ba9c-e826e109c35f": [ "695bdfd6-229a-402a-a89e-7614703de966" ], "203a52c2-3a42-468a-8fe2-50b156536f6e": [ "695bdfd6-229a-402a-a89e-7614703de966" ], "96b4f474-815e-4898-873c-0643324b1a3e": [ "695bdfd6-229a-402a-a89e-7614703de966" ], "55b96f5c-4ea6-42e9-bf13-135c85dc4c27": [ "695bdfd6-229a-402a-a89e-7614703de966" ], "5358f2a4-9dea-4ec2-88ce-d77ea3665aa4": [ "695bdfd6-229a-402a-a89e-7614703de966" ], "0a70e925-a945-494a-ac5e-6304011f3f4c": [ "695bdfd6-229a-402a-a89e-7614703de966" ], "d0a8a619-05d2-4f66-807f-74968b1234f6": [ "695bdfd6-229a-402a-a89e-7614703de966" ], "4341ac7b-e9bd-42d4-ab24-2f7f8abb9748": [ "7e030990-c448-4942-ae45-52c91761c8c3" ], "8759709d-fede-4b2e-b035-e0cb92f19780": [ "7e030990-c448-4942-ae45-52c91761c8c3" ], "a0eedf21-cbf1-4e2f-a553-c296e890fdd0": [ "7e030990-c448-4942-ae45-52c91761c8c3" ], "393e68a9-fc0f-4ed1-a4ce-80042376fc1b": [ "7e030990-c448-4942-ae45-52c91761c8c3" ], "eb7cc94e-5db7-4430-84f9-31f4db371c97": [ "7e030990-c448-4942-ae45-52c91761c8c3" ], "42d02db0-1de5-49bd-8f58-5e4cd170ba66": [ "7e030990-c448-4942-ae45-52c91761c8c3" ], "4e1f639a-6fa1-4754-8aaf-d070cbb5be59": [ "7e030990-c448-4942-ae45-52c91761c8c3" ], "2734b4f1-156e-4611-ac8c-5f25d03ca63d": [ "7e030990-c448-4942-ae45-52c91761c8c3" ], "c729ba6c-12ec-4b47-9668-15e7490188c5": [ "7e030990-c448-4942-ae45-52c91761c8c3" ], "aa855fc1-831b-4efe-942a-614f5a8518ee": [ "7e030990-c448-4942-ae45-52c91761c8c3" ], "ea31cb55-94e6-4aa9-b2c8-ae7d955d2c44": [ "5275295c-84c2-44f5-b333-5fd1dbe9dfef" ], "ce68b398-eb3b-4d58-a540-c86ee19b3e14": [ "5275295c-84c2-44f5-b333-5fd1dbe9dfef" ], "a4107b6d-bd6c-4c3a-bb55-37531fdf2532": [ "5275295c-84c2-44f5-b333-5fd1dbe9dfef" ], "7b18b51b-5b40-42f8-aae7-5730c62e1a12": [ "5275295c-84c2-44f5-b333-5fd1dbe9dfef" ], "4efd403e-a3b0-482a-8c4f-ffb0455ccf3f": [ "5275295c-84c2-44f5-b333-5fd1dbe9dfef" ], "fd2068f8-8e2e-4b5a-8c80-ef1e54f3848c": [ "5275295c-84c2-44f5-b333-5fd1dbe9dfef" ], "12c7b591-3145-4609-a933-e83fed37c34c": [ "5275295c-84c2-44f5-b333-5fd1dbe9dfef" ], "efe297c9-5543-4416-bdff-1587d0f5e37c": [ "5275295c-84c2-44f5-b333-5fd1dbe9dfef" ], "b719a40e-4664-4bd2-90ea-b8401afc1661": [ "5275295c-84c2-44f5-b333-5fd1dbe9dfef" ], "ce645c08-6426-44fc-883b-20bd05540b60": [ "5275295c-84c2-44f5-b333-5fd1dbe9dfef" ], "14d473c9-f72b-4f19-9f27-cc5b2553abc6": [ "1500412c-c521-4193-be1e-a61984ca402a" ], "1cc43575-a5ef-4744-9e13-d8e5bd973ad7": [ "1500412c-c521-4193-be1e-a61984ca402a" ], "aacb2d9e-d2ef-4d61-b8cd-796a39050066": [ "1500412c-c521-4193-be1e-a61984ca402a" ], "da9c764d-3391-475d-89d8-414a7b4e5bb9": [ "1500412c-c521-4193-be1e-a61984ca402a" ], "808dd4bb-8a6f-4147-a1e2-62371b94e1ce": [ "1500412c-c521-4193-be1e-a61984ca402a" ], "2dd9e423-f498-41e3-8412-0eed433610a7": [ "1500412c-c521-4193-be1e-a61984ca402a" ], "459fcf1c-6230-43d9-9211-2812bfdea30d": [ "1500412c-c521-4193-be1e-a61984ca402a" ], "98872378-db09-405e-8352-a20e9dacd95c": [ "1500412c-c521-4193-be1e-a61984ca402a" ], "1318892b-b1e7-44a1-935c-ba75d7696f0b": [ "1500412c-c521-4193-be1e-a61984ca402a" ], "60d5db0b-552d-4182-a9a9-1c4ebe4422bb": [ "1500412c-c521-4193-be1e-a61984ca402a" ], "3d9302d5-8dfb-4006-a346-e4ebd35ceeb2": [ "85b4d163-daf1-49bc-a2b2-3cd596aead2e" ], "c0a3be35-87f9-4c43-93b0-00425f82865f": [ "85b4d163-daf1-49bc-a2b2-3cd596aead2e" ], "5c5db0b7-f196-4b02-b6b1-805d4074091e": [ "85b4d163-daf1-49bc-a2b2-3cd596aead2e" ], "b8b35562-2f27-456a-b455-297e909075f0": [ "85b4d163-daf1-49bc-a2b2-3cd596aead2e" ], "ca1fde8f-fb83-4a6c-b2f0-7363e3c86d78": [ "85b4d163-daf1-49bc-a2b2-3cd596aead2e" ], "edee479b-23d9-4ea9-8d03-d6b3385159e7": [ "85b4d163-daf1-49bc-a2b2-3cd596aead2e" ], "e4f1ed7f-5199-4195-a067-784d3cc08f8d": [ "85b4d163-daf1-49bc-a2b2-3cd596aead2e" ], "f069d69b-8714-4f80-947b-f409d25cf4c6": [ "85b4d163-daf1-49bc-a2b2-3cd596aead2e" ], "c076f54c-844a-4735-bc37-811ff1ff1f37": [ "85b4d163-daf1-49bc-a2b2-3cd596aead2e" ], "5a1f78bc-6546-4236-b2dd-12bfd0930ffa": [ "85b4d163-daf1-49bc-a2b2-3cd596aead2e" ], "71ec4930-4625-44ef-9534-be77f98db625": [ "f4be5b25-238c-4eac-863e-738e3572b2b3" ], "7077ba1e-ecad-4557-805b-a331eea443f5": [ "f4be5b25-238c-4eac-863e-738e3572b2b3" ], "091bb8bb-c106-4bff-a21a-f0a2d0f3270d": [ "f4be5b25-238c-4eac-863e-738e3572b2b3" ], "46f0b1a8-495d-4e0b-bd58-86ae13e87706": [ "f4be5b25-238c-4eac-863e-738e3572b2b3" ], "e02acbc7-e198-4edf-9916-fe0a32c7b77e": [ "f4be5b25-238c-4eac-863e-738e3572b2b3" ], "2789e1c6-db35-4c36-bc13-aa69f7fe33a9": [ "f4be5b25-238c-4eac-863e-738e3572b2b3" ], "59a69948-3dd8-437c-9e20-ce550f30d793": [ "f4be5b25-238c-4eac-863e-738e3572b2b3" ], "c83c025c-55e1-4593-94f7-5199e5c3b3ae": [ "f4be5b25-238c-4eac-863e-738e3572b2b3" ], "dd58fab4-9b35-47fd-bbab-b3786e3b0bb6": [ "f4be5b25-238c-4eac-863e-738e3572b2b3" ], "1f571125-3043-4974-9836-716c039a9a0f": [ "f4be5b25-238c-4eac-863e-738e3572b2b3" ], "12cb2110-5e34-4ade-93a8-ac2e5365b9e6": [ "8cdad0a0-6445-43be-8ea5-4896170b330a" ], "bf4e30b8-6d58-4bf2-bb0a-ecc54b7db619": [ "8cdad0a0-6445-43be-8ea5-4896170b330a" ], "5d4ac959-7c6c-4edd-8661-ec2910bc3b62": [ "8cdad0a0-6445-43be-8ea5-4896170b330a" ], "a63f36e2-5351-4eb4-8a20-8c542468ebc1": [ "8cdad0a0-6445-43be-8ea5-4896170b330a" ], "a11520d5-1ec1-4179-95dc-c98690b32e77": [ "8cdad0a0-6445-43be-8ea5-4896170b330a" ], "6bd9e6f8-a4bd-46f8-8402-b2a328de7773": [ "8cdad0a0-6445-43be-8ea5-4896170b330a" ], "26870202-662e-4cfe-90a8-a8c6411cda37": [ "8cdad0a0-6445-43be-8ea5-4896170b330a" ], "13996395-698d-4d8d-ba28-039ce2b79022": [ "8cdad0a0-6445-43be-8ea5-4896170b330a" ], "26cacdb0-8503-4bd6-9d09-a162f612ef56": [ "8cdad0a0-6445-43be-8ea5-4896170b330a" ], "51ac8b87-18e9-4bfb-8e56-53ef8f34f938": [ "8cdad0a0-6445-43be-8ea5-4896170b330a" ], "f1a14d3e-f987-43fe-98b7-6e4653d69c1c": [ "f58fb2a4-8de0-4c9a-9c00-eeedb28a9c64" ], "377b8013-66f1-4bec-80ff-69193ce70ad2": [ "f58fb2a4-8de0-4c9a-9c00-eeedb28a9c64" ], "c60cecce-f56b-4c23-8026-d9a6f2c5db5b": [ "f58fb2a4-8de0-4c9a-9c00-eeedb28a9c64" ], "8f5544bc-096b-42f2-8f9d-56def4c24662": [ "f58fb2a4-8de0-4c9a-9c00-eeedb28a9c64" ], "42d15ef8-d169-4628-aa92-88830b60a632": [ "f58fb2a4-8de0-4c9a-9c00-eeedb28a9c64" ], "5b4dfbd6-6699-4961-9a49-2d06fe59ca93": [ "f58fb2a4-8de0-4c9a-9c00-eeedb28a9c64" ], "ff822033-5f2a-4341-945d-1ff8c2cc8acb": [ "f58fb2a4-8de0-4c9a-9c00-eeedb28a9c64" ], "ee226aa2-d73c-48bb-a90c-579711261025": [ "f58fb2a4-8de0-4c9a-9c00-eeedb28a9c64" ], "3ebeccfe-d6fc-49aa-a3ea-4710d2b0ef80": [ "f58fb2a4-8de0-4c9a-9c00-eeedb28a9c64" ], "409f33f3-d05d-4e6e-b3fa-d0b4338747ea": [ "f58fb2a4-8de0-4c9a-9c00-eeedb28a9c64" ], "67277592-95d1-4810-ab93-093676f7fcd1": [ "44c1b558-7ee7-47e0-9e6a-f3b97d4fb157" ], "9847099d-5001-4a79-8c53-ef5808e09a3e": [ "44c1b558-7ee7-47e0-9e6a-f3b97d4fb157" ], "a26dee81-948a-48ad-a12e-d8fe6c6ac2ec": [ "44c1b558-7ee7-47e0-9e6a-f3b97d4fb157" ], "dc057fee-c53a-4ed1-ba91-0363d1f81e6a": [ "44c1b558-7ee7-47e0-9e6a-f3b97d4fb157" ], "8e6ee3dc-6285-4d14-9a75-fafcf89824a2": [ "44c1b558-7ee7-47e0-9e6a-f3b97d4fb157" ], "72d8028e-9a85-423c-8fd0-d5c655ecb3d0": [ "44c1b558-7ee7-47e0-9e6a-f3b97d4fb157" ], "613f681e-d9b8-4f45-a554-1104b888017e": [ "44c1b558-7ee7-47e0-9e6a-f3b97d4fb157" ], "8e94eeea-8036-4826-9197-e6df117730d3": [ "44c1b558-7ee7-47e0-9e6a-f3b97d4fb157" ], "06c972fb-c294-4f9f-8557-273942aeffe9": [ "44c1b558-7ee7-47e0-9e6a-f3b97d4fb157" ], "a3be1fd5-5e85-4c52-91fe-4626ed773cff": [ "44c1b558-7ee7-47e0-9e6a-f3b97d4fb157" ], "246ea3ea-4c3d-4860-a9b4-40a7d21ee948": [ "82c936dd-ad82-4641-a0bf-ecaaa569c8c9" ], "8d5bbaa0-3f31-407f-a74d-6d0f84c4d989": [ "82c936dd-ad82-4641-a0bf-ecaaa569c8c9" ], "3f1e8339-b9ec-487b-ae43-1ba12818d3d7": [ "82c936dd-ad82-4641-a0bf-ecaaa569c8c9" ], "2f1d3cb8-afc2-4f31-b82b-9301c0c20f8f": [ "82c936dd-ad82-4641-a0bf-ecaaa569c8c9" ], "4b00949b-562a-422c-8e56-806f1fb7075c": [ "82c936dd-ad82-4641-a0bf-ecaaa569c8c9" ], "688ddd6b-3e50-45b9-a19c-6d7dd0e1bf27": [ "82c936dd-ad82-4641-a0bf-ecaaa569c8c9" ], "f185fd5b-6d0e-4961-ae3d-2c4ec147f861": [ "82c936dd-ad82-4641-a0bf-ecaaa569c8c9" ], "baa117ca-913b-4cbd-b884-9672538ed491": [ "82c936dd-ad82-4641-a0bf-ecaaa569c8c9" ], "0c6cf437-6ff2-496d-940d-a3c80209ba57": [ "82c936dd-ad82-4641-a0bf-ecaaa569c8c9" ], "97afd8fd-e96e-481c-801d-6dd7879b36e5": [ "82c936dd-ad82-4641-a0bf-ecaaa569c8c9" ], "f981edc0-c0d4-4475-8628-03289d9e584c": [ "a15fe512-ad3a-4e3c-a6d2-f200e69b918a" ], "b75dc5d9-3e3d-426f-a3c7-9bacccf43709": [ "a15fe512-ad3a-4e3c-a6d2-f200e69b918a" ], "78df1d65-1441-4053-a9c4-db4d13b8e4fc": [ "a15fe512-ad3a-4e3c-a6d2-f200e69b918a" ], "09d2c6ee-6ac9-4da5-9e56-6281e79d2de0": [ "a15fe512-ad3a-4e3c-a6d2-f200e69b918a" ], "f7ae5318-ff3e-4bd3-a022-764ef7fe4ae1": [ "a15fe512-ad3a-4e3c-a6d2-f200e69b918a" ], "6a1c5dda-95bd-4fc1-ab44-d3390832e407": [ "a15fe512-ad3a-4e3c-a6d2-f200e69b918a" ], "bdcafec6-73c6-4a9a-a191-bca645ed74a2": [ "a15fe512-ad3a-4e3c-a6d2-f200e69b918a" ], "7f6ec66a-e0ba-414a-a060-8ac56a8d5861": [ "a15fe512-ad3a-4e3c-a6d2-f200e69b918a" ], "4472542b-6b92-486d-8d8a-4302d8c18b24": [ "a15fe512-ad3a-4e3c-a6d2-f200e69b918a" ], "cc23d6b9-d92c-4913-ab33-4c542d2373ea": [ "a15fe512-ad3a-4e3c-a6d2-f200e69b918a" ], "7d251c79-8649-499e-8703-5e1820fc93c5": [ "4ea5eb43-c58a-4a61-86c5-a7ed14c1126d" ], "f7b1d311-9d7b-4aaa-b864-b7d6ef05480c": [ "4ea5eb43-c58a-4a61-86c5-a7ed14c1126d" ], "f382fd4a-5e3d-4165-9a5a-ac577cc56918": [ "4ea5eb43-c58a-4a61-86c5-a7ed14c1126d" ], "bd5e5640-8abb-40b4-aa03-b5b86d3d4676": [ "4ea5eb43-c58a-4a61-86c5-a7ed14c1126d" ], "75114db0-1a0c-4f9c-8c83-637cd179e698": [ "4ea5eb43-c58a-4a61-86c5-a7ed14c1126d" ], "4e575350-e904-4e4d-b9ee-ab0dd376c3a2": [ "4ea5eb43-c58a-4a61-86c5-a7ed14c1126d" ], "a6a7c1c4-9c2f-41e1-a585-99ede6c3dc4e": [ "4ea5eb43-c58a-4a61-86c5-a7ed14c1126d" ], "194c04c8-c478-495c-acd0-f7d4867d52e8": [ "4ea5eb43-c58a-4a61-86c5-a7ed14c1126d" ], "8b829ded-1545-49a7-b7d3-d93c4d00d2c7": [ "4ea5eb43-c58a-4a61-86c5-a7ed14c1126d" ], "e9319b31-cc1f-4341-b2ce-d89ccee0c018": [ "4ea5eb43-c58a-4a61-86c5-a7ed14c1126d" ], "4e64a70b-8494-4522-91af-f244b95fac02": [ "c802a4dc-66ce-482d-ba79-d5c0f7225d72" ], "bbf9e7bc-92e2-4b83-980b-405a4118ec73": [ "c802a4dc-66ce-482d-ba79-d5c0f7225d72" ], "5c7e4ca0-dcee-4ad2-8e0e-9b49dd59aabe": [ "c802a4dc-66ce-482d-ba79-d5c0f7225d72" ], "d90eb044-5f23-4ddb-a30b-d604a786a3d5": [ "c802a4dc-66ce-482d-ba79-d5c0f7225d72" ], "f84fdd4a-0fef-48d5-9c49-82f0dccf13b0": [ "c802a4dc-66ce-482d-ba79-d5c0f7225d72" ], "96826298-2608-4ce2-9ab9-369a44f16be8": [ "c802a4dc-66ce-482d-ba79-d5c0f7225d72" ], "a0d9bdfd-e3b7-4a5d-992d-b5ac247f81af": [ "c802a4dc-66ce-482d-ba79-d5c0f7225d72" ], "3ad41364-50bd-4bf1-8679-c8e0ee69744d": [ "c802a4dc-66ce-482d-ba79-d5c0f7225d72" ], "631db397-180a-4023-b6dd-d04d33584e2e": [ "c802a4dc-66ce-482d-ba79-d5c0f7225d72" ], "cbf286da-64c4-4074-8732-d9e20ff48a3d": [ "c802a4dc-66ce-482d-ba79-d5c0f7225d72" ], "498041d3-f621-4ac5-822e-2e20250e8615": [ "8c283406-a4d0-46f9-b9ba-b2f05e91dd11" ], "0dd25704-8301-48c6-92d9-58ca38b5efb6": [ "8c283406-a4d0-46f9-b9ba-b2f05e91dd11" ], "f36b35a0-c64b-4cff-ba90-881669451ae7": [ "8c283406-a4d0-46f9-b9ba-b2f05e91dd11" ], "677d4133-ccee-4b47-8464-97c17e6a2be5": [ "8c283406-a4d0-46f9-b9ba-b2f05e91dd11" ], "612e4ce4-cd21-491b-b7de-336fff9ff324": [ "8c283406-a4d0-46f9-b9ba-b2f05e91dd11" ], "2360a3ff-fedb-445a-ba70-3ffd6c1de3e6": [ "8c283406-a4d0-46f9-b9ba-b2f05e91dd11" ], "afd4d0d4-6a8c-4c87-9ac5-df9796e0d9fc": [ "8c283406-a4d0-46f9-b9ba-b2f05e91dd11" ], "ff7543b5-e72e-460b-b9a1-f19ad15f8ca8": [ "8c283406-a4d0-46f9-b9ba-b2f05e91dd11" ], "e2c3b75c-8312-4cae-9751-57172313779d": [ "8c283406-a4d0-46f9-b9ba-b2f05e91dd11" ], "fab2c657-2085-4a82-8328-f2ca77a3b4ed": [ "8c283406-a4d0-46f9-b9ba-b2f05e91dd11" ], "4979f5db-d0bb-40c6-8c7f-da20aa974155": [ "d938b6d4-b7e6-4d60-998f-687bfc775107" ], "2fc9a920-17df-44a5-a054-d5ecedb9f9b3": [ "d938b6d4-b7e6-4d60-998f-687bfc775107" ], "92dc2919-5911-445a-a5cc-4edffb5a734e": [ "d938b6d4-b7e6-4d60-998f-687bfc775107" ], "aa3b8191-b6db-42d2-8af1-e52f97c556e6": [ "d938b6d4-b7e6-4d60-998f-687bfc775107" ], "0abaae48-87a7-48ba-bd33-eeaab783eb64": [ "d938b6d4-b7e6-4d60-998f-687bfc775107" ], "a99d1ff6-e484-4a43-b128-25924a9852a8": [ "d938b6d4-b7e6-4d60-998f-687bfc775107" ], "c0798751-a941-40de-b06d-fa276904235b": [ "d938b6d4-b7e6-4d60-998f-687bfc775107" ], "1cee3217-7d66-4f96-ad81-458ad4550a0e": [ "d938b6d4-b7e6-4d60-998f-687bfc775107" ], "834c2345-3e8c-4970-af3b-ae7f8d0f7b28": [ "d938b6d4-b7e6-4d60-998f-687bfc775107" ], "4de76c96-4938-4c55-b056-e5632c57da8e": [ "d938b6d4-b7e6-4d60-998f-687bfc775107" ], "8ce70615-996e-4f88-8c9f-62b2f3f52c45": [ "6d98cc66-e64a-4eb5-b4cf-9f903da103ec" ], "04ed9f63-8032-41b8-82d5-6a837c2d9a61": [ "6d98cc66-e64a-4eb5-b4cf-9f903da103ec" ], "ee83e27d-9d58-4b8f-a1fe-11be1bebb1ac": [ "6d98cc66-e64a-4eb5-b4cf-9f903da103ec" ], "e0d0a293-79c8-4c5b-94a5-b7ddb1002d45": [ "6d98cc66-e64a-4eb5-b4cf-9f903da103ec" ], "8b8b66d1-b3c6-47fb-bbe3-4d4dd85297fd": [ "6d98cc66-e64a-4eb5-b4cf-9f903da103ec" ], "ac038f14-d1aa-425a-a4e6-76c61c5f90ee": [ "6d98cc66-e64a-4eb5-b4cf-9f903da103ec" ], "9ca4f72a-029a-4f9f-9628-dc827fdc5363": [ "6d98cc66-e64a-4eb5-b4cf-9f903da103ec" ], "50dfb6cb-6516-457a-90ed-e3bc0928f968": [ "6d98cc66-e64a-4eb5-b4cf-9f903da103ec" ], "e940b498-775b-4151-8cc2-178768e4ef7e": [ "6d98cc66-e64a-4eb5-b4cf-9f903da103ec" ], "0b5db968-4320-4e6c-ab69-c22fcb518be9": [ "6d98cc66-e64a-4eb5-b4cf-9f903da103ec" ], "2fe4bba6-f493-4dba-9097-3632a9434409": [ "de0a75e1-9902-4878-9fdb-d2c076638824" ], "b334a555-e89a-4f3d-993a-745dc8963672": [ "de0a75e1-9902-4878-9fdb-d2c076638824" ], "44791d74-db66-4d76-bacb-237a2d170dcb": [ "de0a75e1-9902-4878-9fdb-d2c076638824" ], "cacad81a-1c1e-4804-8530-cc5b61498e47": [ "de0a75e1-9902-4878-9fdb-d2c076638824" ], "990bcff0-6764-4595-bbb8-f610a112e8fd": [ "de0a75e1-9902-4878-9fdb-d2c076638824" ], "ed0c121b-ae2c-4078-9c7d-6d9f9fd1773d": [ "de0a75e1-9902-4878-9fdb-d2c076638824" ], "ac0acd6c-6e09-42a8-a415-79cf932e86f4": [ "de0a75e1-9902-4878-9fdb-d2c076638824" ], "fc1c555e-1b2e-47b3-bb4e-28e5c37328ad": [ "de0a75e1-9902-4878-9fdb-d2c076638824" ], "52f163e9-e00e-4024-b096-4c24fce1c553": [ "de0a75e1-9902-4878-9fdb-d2c076638824" ], "787ff0a0-a7ec-46a0-944e-813476dacf2e": [ "de0a75e1-9902-4878-9fdb-d2c076638824" ], "51e91c29-b8fb-4491-9cbc-eebf941e2d63": [ "49ec2966-4d8c-4d7c-a212-749232f82ca2" ], "6b6a771f-de63-487c-b8cd-30292dfe2943": [ "49ec2966-4d8c-4d7c-a212-749232f82ca2" ], "e9313806-2e1f-4aa7-a109-5eb0804cdeae": [ "49ec2966-4d8c-4d7c-a212-749232f82ca2" ], "fadf7bcc-ab5e-4b68-929c-67934d01d0d7": [ "49ec2966-4d8c-4d7c-a212-749232f82ca2" ], "e050dfa7-283c-40c1-8be8-fe598f70bedc": [ "49ec2966-4d8c-4d7c-a212-749232f82ca2" ], "ca7f5a1b-111d-49b3-be29-8ed3e2fde369": [ "49ec2966-4d8c-4d7c-a212-749232f82ca2" ], "c8e3eaae-7ade-4686-afb1-a10a1ccd78b0": [ "49ec2966-4d8c-4d7c-a212-749232f82ca2" ], "e8dfecd6-bf03-47e0-a84a-25be3c8e6801": [ "49ec2966-4d8c-4d7c-a212-749232f82ca2" ], "33c00df5-e84e-4754-a2d9-063d8742b832": [ "49ec2966-4d8c-4d7c-a212-749232f82ca2" ], "04652199-a6b0-43db-9a72-6eea0b581210": [ "49ec2966-4d8c-4d7c-a212-749232f82ca2" ], "6aaebac5-cf73-4106-a576-56f628651c10": [ "1ef4f445-80f4-4599-9505-1a18bb61a28f" ], "1308f992-708e-4d36-912a-2dc8719852b3": [ "1ef4f445-80f4-4599-9505-1a18bb61a28f" ], "db228373-00e6-430b-a7d2-5b54c9618fd3": [ "1ef4f445-80f4-4599-9505-1a18bb61a28f" ], "9c42fd4d-ea37-41d2-aa84-881c8b195de2": [ "1ef4f445-80f4-4599-9505-1a18bb61a28f" ], "b5756e58-2da7-4b02-ac36-94ae217d49eb": [ "1ef4f445-80f4-4599-9505-1a18bb61a28f" ], "4908b3f8-2cb8-44ab-b9a1-9576d87f549a": [ "1ef4f445-80f4-4599-9505-1a18bb61a28f" ], "2214cedc-512a-48ed-81a4-8203fcdde67d": [ "1ef4f445-80f4-4599-9505-1a18bb61a28f" ], "3654c2be-2498-4dac-925f-5c01f9cfc607": [ "1ef4f445-80f4-4599-9505-1a18bb61a28f" ], "666ca588-4f48-428f-8121-9ab3c26ac00c": [ "1ef4f445-80f4-4599-9505-1a18bb61a28f" ], "37d9cb49-0dd7-487d-98af-01b0c8b3003f": [ "1ef4f445-80f4-4599-9505-1a18bb61a28f" ], "ea9cf4cc-04af-4202-82d9-fbbd3577246a": [ "d1c11228-d321-41bf-911b-5359951923a3" ], "f16dda41-2cbc-4096-be4f-5060fd0d8781": [ "d1c11228-d321-41bf-911b-5359951923a3" ], "c637b0b3-d03a-40ee-ab2e-5ea570b7ecae": [ "d1c11228-d321-41bf-911b-5359951923a3" ], "09afdca5-e954-47e4-8a6e-6c7debd375aa": [ "d1c11228-d321-41bf-911b-5359951923a3" ], "7e1d95f3-afa9-490e-9eaa-33a428b00c80": [ "d1c11228-d321-41bf-911b-5359951923a3" ], "429c8fee-8a28-4df7-ae99-3e9d30cc5272": [ "d1c11228-d321-41bf-911b-5359951923a3" ], "b622ca1e-268d-47f5-b01e-6bed0f8af430": [ "d1c11228-d321-41bf-911b-5359951923a3" ], "6ca768bc-1819-49bf-aef6-17935c5e3bb2": [ "d1c11228-d321-41bf-911b-5359951923a3" ], "cd41a415-7999-4af7-8daa-271c3524c939": [ "d1c11228-d321-41bf-911b-5359951923a3" ], "88e70f64-1bfc-40a6-911f-85e0b4faa35c": [ "d1c11228-d321-41bf-911b-5359951923a3" ], "d65e3ddc-8761-433c-8474-61a9b2cafa29": [ "2924b92e-e0cc-4578-ac93-398f28d32f1a" ], "e311341d-c55d-4701-ba86-59340b876f2b": [ "2924b92e-e0cc-4578-ac93-398f28d32f1a" ], "aabb584e-5f6d-4be1-a90a-da8412bd613f": [ "2924b92e-e0cc-4578-ac93-398f28d32f1a" ], "bd740bd5-cee5-4f03-9552-c0c367db928e": [ "2924b92e-e0cc-4578-ac93-398f28d32f1a" ], "453638b1-7ba7-46b6-983d-edfcf6c6312b": [ "2924b92e-e0cc-4578-ac93-398f28d32f1a" ], "4ef6dd67-fd0e-4f12-a2de-80a25662afea": [ "2924b92e-e0cc-4578-ac93-398f28d32f1a" ], "98bb2ce3-1e9a-49cc-b068-3927b547412e": [ "2924b92e-e0cc-4578-ac93-398f28d32f1a" ], "d77bc8c8-33ba-418e-942b-8bd8b16d03b6": [ "2924b92e-e0cc-4578-ac93-398f28d32f1a" ], "79a32741-bfc3-48d8-9d28-1ce6d07cdc91": [ "2924b92e-e0cc-4578-ac93-398f28d32f1a" ], "74b60532-7622-4f71-9fce-9230f02a43d2": [ "2924b92e-e0cc-4578-ac93-398f28d32f1a" ], "82bc5cbd-43c6-45a6-9500-20553b8194f1": [ "a9c3d19d-2aac-44c5-be33-890e36ed0579" ], "b3dca9df-c321-4fe7-8075-6f9ea9592089": [ "a9c3d19d-2aac-44c5-be33-890e36ed0579" ], "63515d5d-9f90-46bd-934a-a4f6a0e9defb": [ "a9c3d19d-2aac-44c5-be33-890e36ed0579" ], "b7c5e19f-6336-4113-a4dc-8db867bf4ce6": [ "a9c3d19d-2aac-44c5-be33-890e36ed0579" ], "6e93d660-3076-44e8-8c7d-4a3a8e8e5676": [ "a9c3d19d-2aac-44c5-be33-890e36ed0579" ], "a63f10b3-923b-4f92-b1de-1f538226f95d": [ "a9c3d19d-2aac-44c5-be33-890e36ed0579" ], "d904b1a3-763f-4d6b-9475-20109e344a51": [ "a9c3d19d-2aac-44c5-be33-890e36ed0579" ], "2f48af76-969b-4c57-a56c-cb305e1bdef5": [ "a9c3d19d-2aac-44c5-be33-890e36ed0579" ], "5524da67-8b62-476b-8c8b-d6e0f609338d": [ "a9c3d19d-2aac-44c5-be33-890e36ed0579" ], "4432065a-a69b-44c3-ae97-cbfac372bb09": [ "a9c3d19d-2aac-44c5-be33-890e36ed0579" ], "1e4ad253-8964-40f7-9c7d-48d5c299d573": [ "2f4117b9-761e-4cd8-b8f8-91f2f77d90b9" ], "b7edd3a5-f9c5-4d94-b959-c21af6037d2a": [ "2f4117b9-761e-4cd8-b8f8-91f2f77d90b9" ], "3d78cd59-010f-444c-a150-af7254cf4300": [ "2f4117b9-761e-4cd8-b8f8-91f2f77d90b9" ], "051e8ff5-1326-4e5c-bf94-90cc07f232ee": [ "2f4117b9-761e-4cd8-b8f8-91f2f77d90b9" ], "4d90a4c6-b911-4d07-a0d4-4dabf6bdb593": [ "2f4117b9-761e-4cd8-b8f8-91f2f77d90b9" ], "11dd11f5-7828-4866-b0cb-190d9ce81c44": [ "2f4117b9-761e-4cd8-b8f8-91f2f77d90b9" ], "ccda436f-1999-4bdf-91e5-2ae8c0ffef91": [ "2f4117b9-761e-4cd8-b8f8-91f2f77d90b9" ], "0f4ec397-b3e1-49ed-945e-86c9bd92c5e7": [ "2f4117b9-761e-4cd8-b8f8-91f2f77d90b9" ], "4075bf90-a1aa-4a8e-8640-342150ed80db": [ "2f4117b9-761e-4cd8-b8f8-91f2f77d90b9" ], "63be73a4-8362-4cec-9584-fd3ae6500cf8": [ "2f4117b9-761e-4cd8-b8f8-91f2f77d90b9" ], "a278318d-3ea8-497f-ba0c-efe3de008117": [ "2fb841db-24c4-45fe-8e29-68bab0725d5f" ], "6d9b2488-e919-48a0-aaf4-bf12a04d8338": [ "2fb841db-24c4-45fe-8e29-68bab0725d5f" ], "4ac1732b-9aa6-4e2c-aaab-60f29aeef5a0": [ "2fb841db-24c4-45fe-8e29-68bab0725d5f" ], "c5dcdac0-5139-4371-8857-181aa8727012": [ "2fb841db-24c4-45fe-8e29-68bab0725d5f" ], "50d7278d-4b1b-4955-860a-b4bae9a928d9": [ "2fb841db-24c4-45fe-8e29-68bab0725d5f" ], "8dc78d77-414a-43cf-83cc-80515cc7f7f4": [ "2fb841db-24c4-45fe-8e29-68bab0725d5f" ], "0dcc3f00-f988-44a4-a2ba-9e4152f8d765": [ "2fb841db-24c4-45fe-8e29-68bab0725d5f" ], "ebda4314-0249-4f7a-8078-62effe20741d": [ "2fb841db-24c4-45fe-8e29-68bab0725d5f" ], "d7ac226e-bd4f-479c-aa9f-bbcdc2d4f71a": [ "2fb841db-24c4-45fe-8e29-68bab0725d5f" ], "1f6cd224-e359-4b75-967f-62ed2f370576": [ "2fb841db-24c4-45fe-8e29-68bab0725d5f" ], "f14206ca-4469-40fa-8b6c-ecea12cd1833": [ "4f6e8095-0ef8-443e-b1dc-c30130778908" ], "e114140d-cf52-4a83-8850-71a0409c186b": [ "4f6e8095-0ef8-443e-b1dc-c30130778908" ], "16c9f535-9e3f-48a9-ba36-7d02637159a2": [ "4f6e8095-0ef8-443e-b1dc-c30130778908" ], "045c6532-2b2d-4083-9d87-e7e03b9e05c8": [ "4f6e8095-0ef8-443e-b1dc-c30130778908" ], "d90618b8-8096-4128-9e98-94592d88f962": [ "4f6e8095-0ef8-443e-b1dc-c30130778908" ], "056aaf9c-4259-4def-a352-2354c37763c1": [ "4f6e8095-0ef8-443e-b1dc-c30130778908" ], "740cb1b3-435e-4751-9adf-4e604d3fb6f6": [ "4f6e8095-0ef8-443e-b1dc-c30130778908" ], "58a6edf6-e228-4eca-8a6f-0e68131e49a4": [ "4f6e8095-0ef8-443e-b1dc-c30130778908" ], "fb167a9f-5301-4e22-b14d-3928158c45d0": [ "4f6e8095-0ef8-443e-b1dc-c30130778908" ], "9603c99e-a7f7-44d1-89d1-ea6112440ea2": [ "4f6e8095-0ef8-443e-b1dc-c30130778908" ], "f4597c6b-b221-494d-94a2-2411979cf9cf": [ "36d80723-bf69-4632-b005-373083522c3d" ], "9dd02de2-8540-4cc0-86d6-c28272179ccf": [ "36d80723-bf69-4632-b005-373083522c3d" ], "d1c986bd-ac9d-412f-a404-5b04da03a3a9": [ "36d80723-bf69-4632-b005-373083522c3d" ], "61b8e7bf-852b-474c-947e-4b3978317954": [ "36d80723-bf69-4632-b005-373083522c3d" ], "dd7be2da-d9c0-4980-a1bd-68b5be1e174c": [ "36d80723-bf69-4632-b005-373083522c3d" ], "e5c49935-5b96-4033-8ba0-eb08009eb6e6": [ "36d80723-bf69-4632-b005-373083522c3d" ], "b1040d7b-c79d-4719-a31a-8956f7f2c666": [ "36d80723-bf69-4632-b005-373083522c3d" ], "72a5ec53-e988-461a-9ad4-99a67a360777": [ "36d80723-bf69-4632-b005-373083522c3d" ], "a1bf56da-eb4f-4153-9277-68243cefff1a": [ "36d80723-bf69-4632-b005-373083522c3d" ], "0512840c-fbb8-446b-b6db-2cf8e75f6f2f": [ "36d80723-bf69-4632-b005-373083522c3d" ], "92d6b03d-f205-401f-9f03-a9a4e9151222": [ "adee7c5a-f29b-482a-aa49-4bd6d522bdbe" ], "4abe2aea-1f45-48ad-b81e-9cfd2f16b5f1": [ "adee7c5a-f29b-482a-aa49-4bd6d522bdbe" ], "0bf71b44-1cb2-4a56-97a7-b303aedb2721": [ "adee7c5a-f29b-482a-aa49-4bd6d522bdbe" ], "2b4e15b9-d514-4582-a930-7a5bc943cdf5": [ "adee7c5a-f29b-482a-aa49-4bd6d522bdbe" ], "dad1ff7a-1c35-4588-81fc-7eef78d24515": [ "adee7c5a-f29b-482a-aa49-4bd6d522bdbe" ], "e385fccd-a82e-47f9-915a-f3871bcb894b": [ "adee7c5a-f29b-482a-aa49-4bd6d522bdbe" ], "b623cba0-2e17-4165-9d11-38ecd2744e78": [ "adee7c5a-f29b-482a-aa49-4bd6d522bdbe" ], "226dcb7b-2ce8-4365-af10-4ab3770bd820": [ "adee7c5a-f29b-482a-aa49-4bd6d522bdbe" ], "f282ec4c-f2e4-4892-8924-4b03b3816e31": [ "adee7c5a-f29b-482a-aa49-4bd6d522bdbe" ], "ef9022b6-57af-4ff2-a35e-957352a3ef55": [ "adee7c5a-f29b-482a-aa49-4bd6d522bdbe" ], "9c71388d-eba7-4c8e-8567-d0672b1f663e": [ "61a26a9b-49ce-4902-be03-0bb04c570d54" ], "a00a66cd-c107-4cb3-9469-f1cf846fca72": [ "61a26a9b-49ce-4902-be03-0bb04c570d54" ], "642ea50a-8d43-4145-aa25-5000263dced7": [ "61a26a9b-49ce-4902-be03-0bb04c570d54" ], "b6606735-5e7f-4510-b027-e467b2a0ae09": [ "61a26a9b-49ce-4902-be03-0bb04c570d54" ], "bc90528e-634b-4e46-a570-9ec103820956": [ "61a26a9b-49ce-4902-be03-0bb04c570d54" ], "79e2e98b-c1da-43f1-a0f7-3aa7b8a089bf": [ "61a26a9b-49ce-4902-be03-0bb04c570d54" ], "7e7634dc-33e4-45ff-8065-9dcb79c77a43": [ "61a26a9b-49ce-4902-be03-0bb04c570d54" ], "e5562667-8d32-4ebf-b717-027e6933f16b": [ "61a26a9b-49ce-4902-be03-0bb04c570d54" ], "cce05b33-e2f0-4e02-9221-46cf6e1c8b62": [ "61a26a9b-49ce-4902-be03-0bb04c570d54" ], "4098a8de-d25c-4a82-968d-b32ff29f28e5": [ "61a26a9b-49ce-4902-be03-0bb04c570d54" ], "84328a22-bc3c-4a55-b57c-c393b4c97f41": [ "e64c6f5b-b2fe-45ec-88dd-9dbd5376e4e2" ], "e1bdf801-1556-41eb-a5ff-fc8a32ae9933": [ "e64c6f5b-b2fe-45ec-88dd-9dbd5376e4e2" ], "7bfa6496-5f5b-4335-8f07-0ad9e5088792": [ "e64c6f5b-b2fe-45ec-88dd-9dbd5376e4e2" ], "3e58463b-ceac-4380-8f66-84e0f2ba34f8": [ "e64c6f5b-b2fe-45ec-88dd-9dbd5376e4e2" ], "8aade8c8-09f5-4fa7-8d8e-c1d545d2cd56": [ "e64c6f5b-b2fe-45ec-88dd-9dbd5376e4e2" ], "cb6e2e8d-5150-43b0-b662-0d0a0c58235e": [ "e64c6f5b-b2fe-45ec-88dd-9dbd5376e4e2" ], "feeb9e0e-8b71-43c6-b7a5-9ca338d4e750": [ "e64c6f5b-b2fe-45ec-88dd-9dbd5376e4e2" ], "58249135-49a4-4638-b747-31b78ffb1566": [ "e64c6f5b-b2fe-45ec-88dd-9dbd5376e4e2" ], "62d313ed-d4a5-4a01-8182-6bdcd1e523fa": [ "e64c6f5b-b2fe-45ec-88dd-9dbd5376e4e2" ], "b80faafa-2005-4892-b072-c94c0ccae926": [ "e64c6f5b-b2fe-45ec-88dd-9dbd5376e4e2" ], "816cf83a-dd74-45e7-acd6-f45421a304ad": [ "99e9bd8e-6fd5-4273-81aa-4efb5347031e" ], "b048c41c-8ce8-4a52-90c1-bfaf94b48aa8": [ "99e9bd8e-6fd5-4273-81aa-4efb5347031e" ], "c26e94a0-a505-42d4-8f21-03470553ff61": [ "99e9bd8e-6fd5-4273-81aa-4efb5347031e" ], "2a5803aa-2259-481e-83c5-48b5545e8772": [ "99e9bd8e-6fd5-4273-81aa-4efb5347031e" ], "df6b2ef1-f371-4098-a640-140d1fb8f304": [ "99e9bd8e-6fd5-4273-81aa-4efb5347031e" ], "d6b54136-abd8-447d-91f1-eab01d6215e2": [ "99e9bd8e-6fd5-4273-81aa-4efb5347031e" ], "862bc912-b185-48b4-a4f5-4fc7ab141084": [ "99e9bd8e-6fd5-4273-81aa-4efb5347031e" ], "153c6630-8009-4a36-9c32-9df744cf824e": [ "99e9bd8e-6fd5-4273-81aa-4efb5347031e" ], "f9afa9ce-ae36-4cf7-9413-e4b3a06cd92e": [ "99e9bd8e-6fd5-4273-81aa-4efb5347031e" ], "3f63d57e-b207-470f-a32b-4938832f6978": [ "99e9bd8e-6fd5-4273-81aa-4efb5347031e" ], "a849f1c0-810b-4300-b12a-15064331bb73": [ "5f7ae662-5ff3-4cb9-aa14-3fa3042920d2" ], "2b95ebdf-a8a1-403b-8246-bfe77d23cd6c": [ "5f7ae662-5ff3-4cb9-aa14-3fa3042920d2" ], "3137989f-4b44-409b-b434-42e7bd699ff8": [ "5f7ae662-5ff3-4cb9-aa14-3fa3042920d2" ], "2465b395-136d-42f8-a9cc-cad1b8404f56": [ "5f7ae662-5ff3-4cb9-aa14-3fa3042920d2" ], "02fd068d-ed22-4d86-aa60-e427f73e8a6c": [ "5f7ae662-5ff3-4cb9-aa14-3fa3042920d2" ], "97573432-d03c-4af2-ac30-886cc7de2746": [ "5f7ae662-5ff3-4cb9-aa14-3fa3042920d2" ], "c1893160-dba4-4c0f-8c27-1ac9917996ce": [ "5f7ae662-5ff3-4cb9-aa14-3fa3042920d2" ], "5a17f761-ed15-402f-8619-d4d02f313d47": [ "5f7ae662-5ff3-4cb9-aa14-3fa3042920d2" ], "dddd0f60-9274-4b41-995a-12d4d659d6b1": [ "5f7ae662-5ff3-4cb9-aa14-3fa3042920d2" ], "dbe01cc1-f55b-426d-8fb7-35ab49398282": [ "5f7ae662-5ff3-4cb9-aa14-3fa3042920d2" ], "df70cf13-507a-4064-b3ca-63e54f8c61c4": [ "f246c394-ee93-4604-a497-fc1c8703b357" ], "1634f5f9-f16e-4cc5-96b3-6361333a86fd": [ "f246c394-ee93-4604-a497-fc1c8703b357" ], "84311317-5769-4ef5-b05e-fcf5e39f5cec": [ "f246c394-ee93-4604-a497-fc1c8703b357" ], "7dd2e74c-0c8d-4326-91bf-ebfc3643485e": [ "f246c394-ee93-4604-a497-fc1c8703b357" ], "f2dccd24-a4ff-496d-b210-1871e27e341c": [ "f246c394-ee93-4604-a497-fc1c8703b357" ], "30edc180-5c8a-4583-a5f3-5c19c45413c2": [ "f246c394-ee93-4604-a497-fc1c8703b357" ], "9756852b-8a1a-4919-ba3a-660588eed3c4": [ "f246c394-ee93-4604-a497-fc1c8703b357" ], "138223c9-cb08-4466-864e-bcd5da1ea424": [ "f246c394-ee93-4604-a497-fc1c8703b357" ], "f65bbb6b-b5e7-452f-be38-b7b6a40b7b18": [ "f246c394-ee93-4604-a497-fc1c8703b357" ], "c35b5518-760e-4a96-a4ac-df1d79684701": [ "f246c394-ee93-4604-a497-fc1c8703b357" ], "ad57db72-7bd4-44d0-8367-03195f966bfc": [ "75417e82-d5c9-4973-a05a-300eaa99773a" ], "50d551b5-c258-4aa5-ab8f-5ce34bb23b10": [ "75417e82-d5c9-4973-a05a-300eaa99773a" ], "16bdadcc-e378-4a19-8586-18127b3f9f8c": [ "75417e82-d5c9-4973-a05a-300eaa99773a" ], "8a5554e5-3d4a-4bcb-a824-88ad11d03b44": [ "75417e82-d5c9-4973-a05a-300eaa99773a" ], "7e0ab247-8f0b-449e-8df8-2023a157169f": [ "75417e82-d5c9-4973-a05a-300eaa99773a" ], "14557e09-41b7-4d9b-83fb-d4403a8338d0": [ "75417e82-d5c9-4973-a05a-300eaa99773a" ], "d53b7691-fa0e-480b-9657-cbafcd6104eb": [ "75417e82-d5c9-4973-a05a-300eaa99773a" ], "d50c4e33-a94a-4a55-88ca-8c5d95c594b0": [ "75417e82-d5c9-4973-a05a-300eaa99773a" ], "59deab73-80ca-4b13-a85e-588897008329": [ "75417e82-d5c9-4973-a05a-300eaa99773a" ], "c602c22d-08d4-4234-84ab-e578f5ec8a68": [ "75417e82-d5c9-4973-a05a-300eaa99773a" ], "0e50de63-d694-41cd-96b7-c25de578c6d9": [ "fd5d4b8e-7139-4697-a59a-5682efd054e1" ], "794f8a9f-e563-489f-86ee-cb37cf53aba3": [ "fd5d4b8e-7139-4697-a59a-5682efd054e1" ], "ae0cff0e-6eb6-4400-9f8f-8fd147191b65": [ "fd5d4b8e-7139-4697-a59a-5682efd054e1" ], "c1a400e4-512b-418e-b6f2-5567389a1b57": [ "fd5d4b8e-7139-4697-a59a-5682efd054e1" ], "754300ec-5cb7-4ceb-866e-b6e31910fdcc": [ "fd5d4b8e-7139-4697-a59a-5682efd054e1" ], "3cec84c8-3bc0-4abf-9b1f-1d4a225fa9ce": [ "fd5d4b8e-7139-4697-a59a-5682efd054e1" ], "233424c7-cb4e-4aa0-9c3f-2c9d5a25b31a": [ "fd5d4b8e-7139-4697-a59a-5682efd054e1" ], "7bb73336-813b-4b00-bb6a-dd4a319d36d4": [ "fd5d4b8e-7139-4697-a59a-5682efd054e1" ], "6dc97b1b-77e4-4760-9b5b-716ea9cbcf11": [ "fd5d4b8e-7139-4697-a59a-5682efd054e1" ], "11014c7c-073e-4830-86bb-4f7e50aa7a45": [ "fd5d4b8e-7139-4697-a59a-5682efd054e1" ], "ce94b67e-6418-4ff6-97fd-f2d2114b4c66": [ "17ac97cf-d556-4a3b-846f-178839f6fc79" ], "39f4efc8-ce17-4a9a-b94d-94088c00b958": [ "17ac97cf-d556-4a3b-846f-178839f6fc79" ], "76cb1ebb-fe7b-48f6-a0e7-cc0741703bfa": [ "17ac97cf-d556-4a3b-846f-178839f6fc79" ], "80197dad-a77e-479f-888d-399606fa0e38": [ "17ac97cf-d556-4a3b-846f-178839f6fc79" ], "1cb8f95e-a3a5-4a86-ab0f-3984980f1c77": [ "17ac97cf-d556-4a3b-846f-178839f6fc79" ], "2cfae30c-7090-488f-bbd7-4a97c5119bd7": [ "17ac97cf-d556-4a3b-846f-178839f6fc79" ], "0c94d497-ffb7-43f9-a4c9-82ba317195ee": [ "17ac97cf-d556-4a3b-846f-178839f6fc79" ], "defbac00-91d8-445a-bbac-850352b2da3a": [ "17ac97cf-d556-4a3b-846f-178839f6fc79" ], "4f636a94-c19a-40e2-90bf-6c3cb1d676a3": [ "17ac97cf-d556-4a3b-846f-178839f6fc79" ], "9a95daa6-9213-4e7a-b744-1bf13990e63c": [ "17ac97cf-d556-4a3b-846f-178839f6fc79" ], "79ee590c-f13f-493d-842a-7df1907aec7b": [ "d157b76b-1a4f-4cf1-a481-09acb97d093c" ], "43c06f71-39f5-4893-b2d1-b7b89b1eec2a": [ "d157b76b-1a4f-4cf1-a481-09acb97d093c" ], "22d3e617-fefa-488c-9465-02d1d39d551c": [ "d157b76b-1a4f-4cf1-a481-09acb97d093c" ], "ad9303f0-44fb-4960-8013-6cecb06e5514": [ "d157b76b-1a4f-4cf1-a481-09acb97d093c" ], "a53e02ef-fc76-41f9-aa21-8f4edcca724f": [ "d157b76b-1a4f-4cf1-a481-09acb97d093c" ], "335c6b18-2590-47d2-8ea1-365adf697fc1": [ "d157b76b-1a4f-4cf1-a481-09acb97d093c" ], "535e2148-f960-4557-9dad-52600ec8ed7d": [ "d157b76b-1a4f-4cf1-a481-09acb97d093c" ], "85777015-9c07-4196-a16c-12d41abb8a3f": [ "d157b76b-1a4f-4cf1-a481-09acb97d093c" ], "70bcbc78-4da3-4465-a884-05fd3d61b65c": [ "d157b76b-1a4f-4cf1-a481-09acb97d093c" ], "8b89d207-15ad-4b54-ac4a-8d2cb4cc9cb1": [ "d157b76b-1a4f-4cf1-a481-09acb97d093c" ], "f4d977c4-c28b-4ad4-81fc-d0f9a9899a41": [ "4d43cc52-1b4d-4149-a87c-bb49bc814c5b" ], "c84fe6c0-c5a8-4ee3-add4-22e7afa9c467": [ "4d43cc52-1b4d-4149-a87c-bb49bc814c5b" ], "0d9c1c14-5c54-4e73-a164-1a81c4bf8863": [ "4d43cc52-1b4d-4149-a87c-bb49bc814c5b" ], "430eccd0-c30c-4088-9060-47c6b9b3aeb6": [ "4d43cc52-1b4d-4149-a87c-bb49bc814c5b" ], "7d58f4ed-f9b8-4dd0-8bf6-8ab24e1d08dd": [ "4d43cc52-1b4d-4149-a87c-bb49bc814c5b" ], "c5307461-b5b5-4de5-9538-bbf0d28ea563": [ "4d43cc52-1b4d-4149-a87c-bb49bc814c5b" ], "e4fcffd8-b58f-4f06-8a7d-31ec6206a4c2": [ "4d43cc52-1b4d-4149-a87c-bb49bc814c5b" ], "57c1de52-d8f1-46f2-94c9-f9c0d32d363d": [ "4d43cc52-1b4d-4149-a87c-bb49bc814c5b" ], "7ae0ab66-a03b-4676-8a56-18af94cb70a7": [ "4d43cc52-1b4d-4149-a87c-bb49bc814c5b" ], "0e859008-f745-433c-a40c-31b86694e497": [ "4d43cc52-1b4d-4149-a87c-bb49bc814c5b" ], "ebbf1478-aabc-4c1c-8ae5-3b359b947b38": [ "55a48066-ce57-4612-b096-494fdd98efcf" ], "897e0052-2584-4096-87d4-35d04cf18c3f": [ "55a48066-ce57-4612-b096-494fdd98efcf" ], "467aef6b-a6f6-42e2-b10d-52701b516c1f": [ "55a48066-ce57-4612-b096-494fdd98efcf" ], "30725bbd-9807-4e46-ad8a-7d3fef085da9": [ "55a48066-ce57-4612-b096-494fdd98efcf" ], "e47dd71b-ae08-4702-97a5-1d0622e1c149": [ "55a48066-ce57-4612-b096-494fdd98efcf" ], "9f76100c-b201-4790-88dd-4a6278659da8": [ "55a48066-ce57-4612-b096-494fdd98efcf" ], "fa6a777e-6af7-40ec-8598-9bb4d1c96d1b": [ "55a48066-ce57-4612-b096-494fdd98efcf" ], "e3ad9d55-d69e-430e-a3cb-c1ad7eb7ce56": [ "55a48066-ce57-4612-b096-494fdd98efcf" ], "e28fb967-2c91-4730-bffa-f1ddc51be6a2": [ "55a48066-ce57-4612-b096-494fdd98efcf" ], "6e2acb64-e323-4ac9-a7b3-4e01a2ed66e5": [ "55a48066-ce57-4612-b096-494fdd98efcf" ], "e8789df5-7667-4871-89cb-54108f15b409": [ "572831c4-326a-4467-9021-526fefdf3ba1" ], "c7a171c7-d966-4a8b-83fd-cf3f36511c92": [ "572831c4-326a-4467-9021-526fefdf3ba1" ], "a167722c-e83d-4a70-8ddc-a36b696c1c30": [ "572831c4-326a-4467-9021-526fefdf3ba1" ], "901510f2-3018-4c5f-aee2-06134cb05639": [ "572831c4-326a-4467-9021-526fefdf3ba1" ], "863fbba9-6907-41ec-a70d-70ae9b4afe18": [ "572831c4-326a-4467-9021-526fefdf3ba1" ], "d4648c3b-454e-41cf-9444-fbca354b0c9c": [ "572831c4-326a-4467-9021-526fefdf3ba1" ], "7d7b052d-1a37-4d89-b0cd-c83b395ee8a0": [ "572831c4-326a-4467-9021-526fefdf3ba1" ], "a06a6685-80b4-4fcc-8b8d-c77ed658eb18": [ "572831c4-326a-4467-9021-526fefdf3ba1" ], "3e06b9cd-4ca7-43c1-ba23-b8b3b3651958": [ "572831c4-326a-4467-9021-526fefdf3ba1" ], "6297c9b0-0e0b-4314-b894-1ec3d65a98cd": [ "572831c4-326a-4467-9021-526fefdf3ba1" ], "af8859d3-89b4-421d-9e62-50153b169779": [ "399242de-4cf9-4575-9c21-604969e6159c" ], "ce63974a-2408-491f-b713-e15a48336e46": [ "399242de-4cf9-4575-9c21-604969e6159c" ], "e7e7dfbc-c319-4e38-b67e-5a0081873e67": [ "399242de-4cf9-4575-9c21-604969e6159c" ], "72d08fd8-afa5-4c89-9c1a-c1fba784dbf2": [ "399242de-4cf9-4575-9c21-604969e6159c" ], "08db9f67-2fe1-429d-bc1b-7ee94ef0d137": [ "399242de-4cf9-4575-9c21-604969e6159c" ], "77d776fd-1ae8-4ccc-a825-64652cb3aad2": [ "399242de-4cf9-4575-9c21-604969e6159c" ], "a7712453-aa90-4d52-af8e-6587a767cc4e": [ "399242de-4cf9-4575-9c21-604969e6159c" ], "d39e13e2-dc32-4a77-9cd4-cc30a534a272": [ "399242de-4cf9-4575-9c21-604969e6159c" ], "101f111c-9c75-4b37-8afa-58a213f1cd1e": [ "399242de-4cf9-4575-9c21-604969e6159c" ], "6077c7dc-a2e2-4aa8-b7e5-86ebd70e7e4e": [ "399242de-4cf9-4575-9c21-604969e6159c" ], "43063c97-1773-4f30-acc3-2013f20c2bd3": [ "3c854b0b-7f3b-4d82-9fae-c655f4168157" ], "9c8b72b4-ecc1-4a82-80c1-f19e8dfe0ee5": [ "3c854b0b-7f3b-4d82-9fae-c655f4168157" ], "03014609-a1ec-437f-87bb-803dcb2246b8": [ "3c854b0b-7f3b-4d82-9fae-c655f4168157" ], "af21960c-cca0-45a7-88ee-2549527cb38b": [ "3c854b0b-7f3b-4d82-9fae-c655f4168157" ], "33ae1a05-c223-4094-b037-2d58d424563e": [ "3c854b0b-7f3b-4d82-9fae-c655f4168157" ], "9d1fb3c7-4afd-4a15-af1b-ff06664eaa53": [ "3c854b0b-7f3b-4d82-9fae-c655f4168157" ], "837f3d4c-9bbc-4fbf-bbf1-57208edc4ad5": [ "3c854b0b-7f3b-4d82-9fae-c655f4168157" ], "a62f6fd8-4fd3-4ac0-8e6d-6bb7cce9cdcb": [ "3c854b0b-7f3b-4d82-9fae-c655f4168157" ], "ff3de893-8167-4c16-b969-af06b0ec1b5d": [ "3c854b0b-7f3b-4d82-9fae-c655f4168157" ], "8731a5e3-c6f3-4197-8581-d19f8d98ddbc": [ "3c854b0b-7f3b-4d82-9fae-c655f4168157" ], "d86af08b-86e8-498b-b3e8-a864363524b9": [ "61cc0064-994c-46b6-a806-d1a8bf8be3f6" ], "302b42d7-e67d-4537-82ab-de86d87f49d6": [ "61cc0064-994c-46b6-a806-d1a8bf8be3f6" ], "7b72d0f3-73c5-4df9-a49a-32ebac10631d": [ "61cc0064-994c-46b6-a806-d1a8bf8be3f6" ], "784d43c0-2652-41ab-bf34-a472469174b8": [ "61cc0064-994c-46b6-a806-d1a8bf8be3f6" ], "069a09b6-8db5-4104-9113-073cb415d74b": [ "61cc0064-994c-46b6-a806-d1a8bf8be3f6" ], "2e105908-72d6-4a38-8781-f0c7f4c2a792": [ "61cc0064-994c-46b6-a806-d1a8bf8be3f6" ], "64727112-a57e-47f3-9c63-b15844ea228e": [ "61cc0064-994c-46b6-a806-d1a8bf8be3f6" ], "c269ddb0-d102-4292-aa1f-fde8e2ae74a5": [ "61cc0064-994c-46b6-a806-d1a8bf8be3f6" ], "f781cbec-b790-44af-84ae-c173289738f7": [ "61cc0064-994c-46b6-a806-d1a8bf8be3f6" ], "626818a5-55d0-4d36-9f0b-8c9a2110504e": [ "61cc0064-994c-46b6-a806-d1a8bf8be3f6" ], "0f657399-a1d5-4768-8425-23af0cde7a98": [ "b76bd5b1-1ec9-4591-aab3-f70faab31568" ], "a2e13812-afa0-48d9-b8d0-0cc82e2feed1": [ "b76bd5b1-1ec9-4591-aab3-f70faab31568" ], "090de3e9-fa06-4bf7-8c0b-3d9c30d49684": [ "b76bd5b1-1ec9-4591-aab3-f70faab31568" ], "4764b0ea-25d2-45ee-b55e-66ca361b4935": [ "b76bd5b1-1ec9-4591-aab3-f70faab31568" ], "d86acb9f-5bc7-411f-bd47-1db51bb1271f": [ "b76bd5b1-1ec9-4591-aab3-f70faab31568" ], "924c73a2-5b67-46bc-8143-853792304a5c": [ "b76bd5b1-1ec9-4591-aab3-f70faab31568" ], "a6e988fe-08be-4dd4-ac45-f269ad755055": [ "b76bd5b1-1ec9-4591-aab3-f70faab31568" ], "da944fdd-397e-4c16-8128-3d3d1079aed0": [ "b76bd5b1-1ec9-4591-aab3-f70faab31568" ], "9dba72d9-4672-4704-bdd4-855e878896f0": [ "b76bd5b1-1ec9-4591-aab3-f70faab31568" ], "44994e20-7848-4c6c-8e50-9c7eb17365fd": [ "b76bd5b1-1ec9-4591-aab3-f70faab31568" ], "b896f116-3003-4f99-a360-be42dd0c7907": [ "0a4e9a03-9aff-4cc7-b15c-73c7f7ccd66e" ], "bc8fd47b-6b8e-45ea-a0e2-d5c0c23cf078": [ "0a4e9a03-9aff-4cc7-b15c-73c7f7ccd66e" ], "0bec932e-3aa5-4e63-9e6f-f59e1f2846a5": [ "0a4e9a03-9aff-4cc7-b15c-73c7f7ccd66e" ], "dab8c1c2-87cf-446b-a78d-2eb2a44916a0": [ "0a4e9a03-9aff-4cc7-b15c-73c7f7ccd66e" ], "75634306-8367-4146-9913-8e42862833fa": [ "0a4e9a03-9aff-4cc7-b15c-73c7f7ccd66e" ], "7eacdcd0-e5b2-4291-b1e5-4526a83bf6dd": [ "0a4e9a03-9aff-4cc7-b15c-73c7f7ccd66e" ], "56e37d97-2175-442c-b95d-652f526f773c": [ "0a4e9a03-9aff-4cc7-b15c-73c7f7ccd66e" ], "fa1f85d5-10af-449e-a401-c4bf9c6b7f37": [ "0a4e9a03-9aff-4cc7-b15c-73c7f7ccd66e" ], "d7b74c26-9ed3-4c7e-8802-b9c511b0ef31": [ "0a4e9a03-9aff-4cc7-b15c-73c7f7ccd66e" ], "6963a597-cfa4-4a57-976a-7e21d42b898f": [ "0a4e9a03-9aff-4cc7-b15c-73c7f7ccd66e" ], "37a472c5-9164-4190-8bd1-9fa076cad524": [ "2aab4aad-12d3-4497-9468-2b5ce6e015ab" ], "711545d1-0a55-450a-af35-f31dd8f4975a": [ "2aab4aad-12d3-4497-9468-2b5ce6e015ab" ], "e8cb5b1a-2c37-40f2-9d11-2e783dffec9a": [ "2aab4aad-12d3-4497-9468-2b5ce6e015ab" ], "9373bae9-2771-4e60-ba5f-7a571e7351ca": [ "2aab4aad-12d3-4497-9468-2b5ce6e015ab" ], "2e26534b-c51c-494d-9351-838d3abaa7d6": [ "2aab4aad-12d3-4497-9468-2b5ce6e015ab" ], "afb97102-046e-487a-8b1e-1791bf32a1c8": [ "2aab4aad-12d3-4497-9468-2b5ce6e015ab" ], "b309f518-7c6d-447c-a1d1-a1fb28776140": [ "2aab4aad-12d3-4497-9468-2b5ce6e015ab" ], "036892c2-1a39-43c3-8230-20272478a4ee": [ "2aab4aad-12d3-4497-9468-2b5ce6e015ab" ], "f0c44bea-de02-46d8-b948-933aacfb14cc": [ "2aab4aad-12d3-4497-9468-2b5ce6e015ab" ], "aed75469-37cc-42d6-86ff-e3b3a741ce1b": [ "2aab4aad-12d3-4497-9468-2b5ce6e015ab" ], "4643939b-2891-406d-b09f-000ceae24861": [ "c54cfefd-c133-4be2-b1a8-ad40bfb0f8da" ], "a98e3843-1668-42ef-9ead-facf67f0d77e": [ "c54cfefd-c133-4be2-b1a8-ad40bfb0f8da" ], "5f9e6390-64dc-41a2-af01-b2e89a98fd1a": [ "c54cfefd-c133-4be2-b1a8-ad40bfb0f8da" ], "32a63c39-3714-4714-a85b-4541e1900173": [ "c54cfefd-c133-4be2-b1a8-ad40bfb0f8da" ], "25a48d4b-8529-4202-9a39-835908bcb663": [ "c54cfefd-c133-4be2-b1a8-ad40bfb0f8da" ], "88a2e373-0881-4c74-8c1a-e51376510f84": [ "c54cfefd-c133-4be2-b1a8-ad40bfb0f8da" ], "ba03abf3-d1f2-4cd3-b830-e93896e9817f": [ "c54cfefd-c133-4be2-b1a8-ad40bfb0f8da" ], "22a0566c-1a3c-4cae-b183-c1629709a469": [ "c54cfefd-c133-4be2-b1a8-ad40bfb0f8da" ], "c884477e-5dbd-4db1-926b-e391446b695a": [ "c54cfefd-c133-4be2-b1a8-ad40bfb0f8da" ], "d6d0025a-ffd6-4d08-96fa-1373f8334b57": [ "c54cfefd-c133-4be2-b1a8-ad40bfb0f8da" ], "9e1d6a4b-b617-4130-8252-7b737e0dccff": [ "879e7023-5b88-4a3a-9a58-9ff5ff5a5984" ], "bd113791-cd2c-40af-901d-b9fbe63dde7d": [ "879e7023-5b88-4a3a-9a58-9ff5ff5a5984" ], "172e28a0-ccfc-4ebd-9e9c-51240d4b67fa": [ "879e7023-5b88-4a3a-9a58-9ff5ff5a5984" ], "b40e03e3-5b61-44f7-9c1c-fe3a71138508": [ "879e7023-5b88-4a3a-9a58-9ff5ff5a5984" ], "5c34a0f0-a5b2-46d4-a842-57ecf667591b": [ "879e7023-5b88-4a3a-9a58-9ff5ff5a5984" ], "118f3f8f-58c0-4a5f-b694-fe47348b371d": [ "879e7023-5b88-4a3a-9a58-9ff5ff5a5984" ], "44b32149-c712-43c8-9abb-ff375cf4617f": [ "879e7023-5b88-4a3a-9a58-9ff5ff5a5984" ], "9f0d6f86-a78a-4f2f-8afb-b217daeca6bf": [ "879e7023-5b88-4a3a-9a58-9ff5ff5a5984" ], "55cd3a71-374f-4294-af1d-69ea9ea1a7ad": [ "879e7023-5b88-4a3a-9a58-9ff5ff5a5984" ], "6e37b982-194d-416c-b1dc-10c9c77bd9ec": [ "879e7023-5b88-4a3a-9a58-9ff5ff5a5984" ], "da7e77e8-7365-4221-b0f4-591da2f3c403": [ "3bf3bb6e-2335-4bca-9050-68e90340607e" ], "20f2025d-e265-4502-9c8f-160532728a35": [ "3bf3bb6e-2335-4bca-9050-68e90340607e" ], "46019d5b-3311-4480-a917-0e7d4dbd68be": [ "3bf3bb6e-2335-4bca-9050-68e90340607e" ], "12d1d3f7-42cc-4abb-8afe-a843d0b0a71f": [ "3bf3bb6e-2335-4bca-9050-68e90340607e" ], "d5f58450-0bf0-497c-83d5-ba0ebac5bd8d": [ "3bf3bb6e-2335-4bca-9050-68e90340607e" ], "f79302ae-7548-43c9-997f-224416b68c96": [ "3bf3bb6e-2335-4bca-9050-68e90340607e" ], "04b516a2-ed72-49a8-944a-2bca516c552a": [ "3bf3bb6e-2335-4bca-9050-68e90340607e" ], "f8f97af5-8a98-43cf-8b59-8d1e25c76756": [ "3bf3bb6e-2335-4bca-9050-68e90340607e" ], "12c5d8d2-91d2-4650-a5c9-bdd16bb49d74": [ "3bf3bb6e-2335-4bca-9050-68e90340607e" ], "45218a01-c4ea-4f4a-9325-b7ac4597922b": [ "3bf3bb6e-2335-4bca-9050-68e90340607e" ], "9432d5e9-8dd6-477c-a1a1-90dc154433f6": [ "8874b490-71a0-4bc6-ac37-c4fe9137f75d" ], "74d51d0d-7ed8-461b-adab-4f9ef80c7622": [ "8874b490-71a0-4bc6-ac37-c4fe9137f75d" ], "fed96aa4-3afa-4271-97bf-4489c4546780": [ "8874b490-71a0-4bc6-ac37-c4fe9137f75d" ], "bd693a9c-8459-4850-b736-1f3e427cec9c": [ "8874b490-71a0-4bc6-ac37-c4fe9137f75d" ], "41d2c3c8-261a-42ae-9439-e45f41e3b382": [ "8874b490-71a0-4bc6-ac37-c4fe9137f75d" ], "4691dc92-dc1b-4016-b9c8-0534d85500d5": [ "8874b490-71a0-4bc6-ac37-c4fe9137f75d" ], "8cbf27f0-c50b-447a-b580-821e22522640": [ "8874b490-71a0-4bc6-ac37-c4fe9137f75d" ], "3b6bd091-1238-4541-9196-e21cbc4c31c6": [ "8874b490-71a0-4bc6-ac37-c4fe9137f75d" ], "73d437cc-4697-4b45-a0d5-426d1d60ef2d": [ "8874b490-71a0-4bc6-ac37-c4fe9137f75d" ], "a20cffa5-d936-41a7-ac16-85dba532dde7": [ "8874b490-71a0-4bc6-ac37-c4fe9137f75d" ], "8ed88dec-cf51-423e-8fb3-88eea09fa8b5": [ "b2fe2012-d164-48b3-91a2-9341211b3ea8" ], "ccf87300-eb54-4802-963c-46480cac3924": [ "b2fe2012-d164-48b3-91a2-9341211b3ea8" ], "1de53128-01d3-41e0-83a6-87ce6fd8afe1": [ "b2fe2012-d164-48b3-91a2-9341211b3ea8" ], "8aac1d37-9cd3-4f46-878a-a76803dd28ac": [ "b2fe2012-d164-48b3-91a2-9341211b3ea8" ], "0e632bbc-a1b3-4958-945e-f36942d530cf": [ "b2fe2012-d164-48b3-91a2-9341211b3ea8" ], "c610a2ef-6695-4afd-8a71-b530dc614e8b": [ "b2fe2012-d164-48b3-91a2-9341211b3ea8" ], "b3ceaae9-7518-4efa-88e2-3089f1638ef3": [ "b2fe2012-d164-48b3-91a2-9341211b3ea8" ], "bc61bffb-fcf8-45b9-bb7e-c627a6995233": [ "b2fe2012-d164-48b3-91a2-9341211b3ea8" ], "ca34a585-8d9f-432b-8281-0c88a7e0c32a": [ "b2fe2012-d164-48b3-91a2-9341211b3ea8" ], "53fbb952-e3ee-4858-8a84-d24f775be413": [ "b2fe2012-d164-48b3-91a2-9341211b3ea8" ], "03d3ac5c-9c01-46e6-9020-1ce6b88b871b": [ "159023e3-dd42-464f-9134-443b4a9db79c" ], "1f4a8606-08be-4a17-9114-35b998cd2763": [ "159023e3-dd42-464f-9134-443b4a9db79c" ], "7d6d9edc-f9d4-476a-ae5f-fa0bde9e5742": [ "159023e3-dd42-464f-9134-443b4a9db79c" ], "584c1a58-d316-4a60-8986-dcf5d66966ca": [ "159023e3-dd42-464f-9134-443b4a9db79c" ], "c135dffb-c2be-4a6c-867d-0da8e6f6effb": [ "159023e3-dd42-464f-9134-443b4a9db79c" ], "5630cbd3-f839-4c72-a0bf-13b80d16a2d4": [ "159023e3-dd42-464f-9134-443b4a9db79c" ], "21aefd83-ba3f-406f-9e7d-6b8033843490": [ "159023e3-dd42-464f-9134-443b4a9db79c" ], "b6bd3498-e5bd-4b8c-921b-b96de61d2ed6": [ "159023e3-dd42-464f-9134-443b4a9db79c" ], "36a327f2-1560-43a4-bb62-eca50442221f": [ "159023e3-dd42-464f-9134-443b4a9db79c" ], "38d596a4-cf3d-4d24-b2d6-bb7b70398773": [ "159023e3-dd42-464f-9134-443b4a9db79c" ], "0f85b984-0a07-44b7-b2a2-0a238df222dc": [ "e1bc8acc-c33e-4e82-929d-244510231c6a" ], "85e3ddfa-4f20-4709-9e66-5e11ecbc8722": [ "e1bc8acc-c33e-4e82-929d-244510231c6a" ], "9e377585-074c-4994-be7e-9f0684fae528": [ "e1bc8acc-c33e-4e82-929d-244510231c6a" ], "0de2aafc-e80d-4592-a321-5a5d0f1fa36e": [ "e1bc8acc-c33e-4e82-929d-244510231c6a" ], "bf7b0b57-026e-4ee2-9eb5-84e7220031c1": [ "e1bc8acc-c33e-4e82-929d-244510231c6a" ], "4081dda6-0637-499c-a9f7-bd035b9dd68c": [ "e1bc8acc-c33e-4e82-929d-244510231c6a" ], "84acff23-8884-476d-8e7d-a752bc58c950": [ "e1bc8acc-c33e-4e82-929d-244510231c6a" ], "f3af0906-2c86-4eeb-9f6f-ab28460136ab": [ "e1bc8acc-c33e-4e82-929d-244510231c6a" ], "51a41120-c25e-479a-9976-dbdf0cc73599": [ "e1bc8acc-c33e-4e82-929d-244510231c6a" ], "cf2dff3c-6deb-4ff6-a91c-b118a3487148": [ "e1bc8acc-c33e-4e82-929d-244510231c6a" ], "3f0561fd-3d60-4f2f-a1b5-18e692eacab0": [ "26c8070d-b385-4c5f-9188-a4ef86dd52e1" ], "2e9dd257-5707-45c4-8b91-60a6ba0471ca": [ "26c8070d-b385-4c5f-9188-a4ef86dd52e1" ], "dccfd87a-5c90-4760-a68d-e664db02caca": [ "26c8070d-b385-4c5f-9188-a4ef86dd52e1" ], "2c242801-fefb-4156-a2a0-9738d2464a94": [ "26c8070d-b385-4c5f-9188-a4ef86dd52e1" ], "27002747-fcc0-46d1-a2ba-a3548cebbccf": [ "26c8070d-b385-4c5f-9188-a4ef86dd52e1" ], "af72817b-50fb-4ab8-95c3-6b25d6d07058": [ "26c8070d-b385-4c5f-9188-a4ef86dd52e1" ], "141787d8-cbe1-4357-aefe-dd69f2676061": [ "26c8070d-b385-4c5f-9188-a4ef86dd52e1" ], "7903080a-06dd-4917-b1e1-36f34ed607ce": [ "26c8070d-b385-4c5f-9188-a4ef86dd52e1" ], "969aff9c-2651-4ee3-80e9-2380fe1ecc43": [ "26c8070d-b385-4c5f-9188-a4ef86dd52e1" ], "8035970a-7d5d-48e3-b7eb-f1490e5903f8": [ "26c8070d-b385-4c5f-9188-a4ef86dd52e1" ], "1c524d93-8775-4a92-8961-c306fd403341": [ "4b40e627-4c2e-47ea-971c-ea676dd2ccc5" ], "8aa20cbe-c7bb-4880-a5a3-84de64c09dc2": [ "4b40e627-4c2e-47ea-971c-ea676dd2ccc5" ], "415d3141-2aef-463d-ae0b-a127d03cb468": [ "4b40e627-4c2e-47ea-971c-ea676dd2ccc5" ], "cd92c8aa-b79e-4c9d-97f0-045f72f258c2": [ "4b40e627-4c2e-47ea-971c-ea676dd2ccc5" ], "92f6b995-ae96-4e99-900c-2e0dc189ccfa": [ "4b40e627-4c2e-47ea-971c-ea676dd2ccc5" ], "ac40f033-a3a9-4054-a1e5-5db3ec821d3e": [ "4b40e627-4c2e-47ea-971c-ea676dd2ccc5" ], "11c9d4d3-ba4c-426c-8f81-105498a359ed": [ "4b40e627-4c2e-47ea-971c-ea676dd2ccc5" ], "eede7b78-f7ba-4490-9064-850f3ab3261c": [ "4b40e627-4c2e-47ea-971c-ea676dd2ccc5" ], "8760dc6e-ce54-4e8a-8096-e7ec883ab39a": [ "4b40e627-4c2e-47ea-971c-ea676dd2ccc5" ], "3772719d-71c1-4eeb-8d8a-dfbf2818277a": [ "4b40e627-4c2e-47ea-971c-ea676dd2ccc5" ], "1e4dff53-63b2-4d00-94cb-c75f35be3249": [ "c3d2a2c7-c619-4395-bede-033876dc6088" ], "3f6aa25b-b584-4270-9ab8-e44f16052922": [ "c3d2a2c7-c619-4395-bede-033876dc6088" ], "c9448573-3f45-4446-bdd2-a60a56104511": [ "c3d2a2c7-c619-4395-bede-033876dc6088" ], "7611705d-dbe9-47f1-aec5-4e6cb9b2823b": [ "c3d2a2c7-c619-4395-bede-033876dc6088" ], "8d44247b-5ca8-4816-9239-adc12bd59ed1": [ "c3d2a2c7-c619-4395-bede-033876dc6088" ], "ace4733c-5289-42ca-bad7-44462839a041": [ "c3d2a2c7-c619-4395-bede-033876dc6088" ], "5a7c8377-7a0f-45e7-b142-ebd9885c2e56": [ "c3d2a2c7-c619-4395-bede-033876dc6088" ], "4ac07354-c7c8-4a50-8949-013bdda52624": [ "c3d2a2c7-c619-4395-bede-033876dc6088" ], "edfec222-2742-4109-92a5-e69ba9a3292b": [ "c3d2a2c7-c619-4395-bede-033876dc6088" ], "0682663a-f8a5-429a-badc-6f849b2a6125": [ "c3d2a2c7-c619-4395-bede-033876dc6088" ], "43e40ca3-daa0-4e08-9f0d-1cabcb79ab93": [ "4f2265e0-6ead-4fb5-ba58-421adc750973" ], "baea62f1-f669-4bdd-8a83-d08eec2b4d0f": [ "4f2265e0-6ead-4fb5-ba58-421adc750973" ], "6b3895b0-8875-487e-9109-78668b238ce7": [ "4f2265e0-6ead-4fb5-ba58-421adc750973" ], "50943bad-3f06-4f4a-a397-95fba0660f8d": [ "4f2265e0-6ead-4fb5-ba58-421adc750973" ], "16c643f4-88c6-4135-80c7-41ef81d390c7": [ "4f2265e0-6ead-4fb5-ba58-421adc750973" ], "86cc8c9c-0988-4f1c-8c79-911b6c14b793": [ "4f2265e0-6ead-4fb5-ba58-421adc750973" ], "6c12036a-613a-4b44-9a10-fd68f5462939": [ "4f2265e0-6ead-4fb5-ba58-421adc750973" ], "190134d8-433f-4615-95c6-21b29532891d": [ "4f2265e0-6ead-4fb5-ba58-421adc750973" ], "8fa239b0-9153-4ad2-a71f-682af79771c1": [ "4f2265e0-6ead-4fb5-ba58-421adc750973" ], "dc067164-6533-441a-a90a-2e0ca4bb364f": [ "4f2265e0-6ead-4fb5-ba58-421adc750973" ], "b7939c33-4053-49a7-a11b-768286780500": [ "87c6e1c7-a3cb-466e-aa34-c60ba2ffce14" ], "05358abc-9c87-4a24-903f-97e803a8a2d1": [ "87c6e1c7-a3cb-466e-aa34-c60ba2ffce14" ], "a0423948-6ed7-4694-b5c3-40923e30ce4c": [ "87c6e1c7-a3cb-466e-aa34-c60ba2ffce14" ], "e359c169-7a15-41ab-843c-ef9363aebf90": [ "87c6e1c7-a3cb-466e-aa34-c60ba2ffce14" ], "b844c561-d8e4-40e0-b868-70c1fe29da74": [ "87c6e1c7-a3cb-466e-aa34-c60ba2ffce14" ], "0e02b2de-5ac7-4c8e-adfe-761d32a4239d": [ "87c6e1c7-a3cb-466e-aa34-c60ba2ffce14" ], "8addcb5e-e1da-4f56-9091-a25fcad7e4f2": [ "87c6e1c7-a3cb-466e-aa34-c60ba2ffce14" ], "07df6e09-afaf-458b-8516-c629f57aa233": [ "87c6e1c7-a3cb-466e-aa34-c60ba2ffce14" ], "13fde811-221e-4f67-82f3-fb41a05ecd54": [ "87c6e1c7-a3cb-466e-aa34-c60ba2ffce14" ], "2578b1c8-c6d6-4036-b7f6-1e3510ed66ae": [ "87c6e1c7-a3cb-466e-aa34-c60ba2ffce14" ], "f1036c1f-1514-4d04-bd9b-5f1ed1e962c6": [ "defd4c77-ff6d-4638-9595-c0b40fef3e70" ], "aa4b2ab2-3c72-4cff-8c52-ad942b12bf27": [ "defd4c77-ff6d-4638-9595-c0b40fef3e70" ], "2cb62f5f-3f7c-44ca-95b7-9b8a6e3edc3e": [ "defd4c77-ff6d-4638-9595-c0b40fef3e70" ], "0a9640a0-bffb-4f1a-88bd-bfede9138b1b": [ "defd4c77-ff6d-4638-9595-c0b40fef3e70" ], "afb09d32-a4e1-45d9-9aaa-e28de929138d": [ "defd4c77-ff6d-4638-9595-c0b40fef3e70" ], "a3269529-73d3-480b-890f-f262e84188ae": [ "defd4c77-ff6d-4638-9595-c0b40fef3e70" ], "f87e1a50-6671-41c5-a36a-89232a9c3456": [ "defd4c77-ff6d-4638-9595-c0b40fef3e70" ], "1224d2b1-8355-4201-887d-aecc53c159e1": [ "defd4c77-ff6d-4638-9595-c0b40fef3e70" ], "7182d0bb-b8b0-41a9-89f4-01825ce497d2": [ "defd4c77-ff6d-4638-9595-c0b40fef3e70" ], "7603d8a7-257b-4303-93f7-2a312c88fbb5": [ "defd4c77-ff6d-4638-9595-c0b40fef3e70" ], "9bfd505b-3ea8-4970-880a-ca5285b02a46": [ "d6f24d52-ab0c-43fa-8ba5-d5506dc82bf8" ], "1b628cca-e801-4cd7-82d8-24551046656d": [ "d6f24d52-ab0c-43fa-8ba5-d5506dc82bf8" ], "9be920f7-309b-4c64-8b29-643bd0a62298": [ "d6f24d52-ab0c-43fa-8ba5-d5506dc82bf8" ], "54a41922-4ce3-4290-8fa5-c8ac8176a866": [ "d6f24d52-ab0c-43fa-8ba5-d5506dc82bf8" ], "46faabcd-5a18-463c-8e0a-81a969acbe97": [ "d6f24d52-ab0c-43fa-8ba5-d5506dc82bf8" ], "a096a2e8-6b44-4e5e-8e8e-96b60fb4ce11": [ "d6f24d52-ab0c-43fa-8ba5-d5506dc82bf8" ], "4f5bc1fb-2807-4f33-a7de-561ec6bdb3d8": [ "d6f24d52-ab0c-43fa-8ba5-d5506dc82bf8" ], "d7239891-2344-4f43-8645-5c4e14646e63": [ "d6f24d52-ab0c-43fa-8ba5-d5506dc82bf8" ], "6b68652a-6cfe-4c10-abf5-01e13edf8dc9": [ "d6f24d52-ab0c-43fa-8ba5-d5506dc82bf8" ], "f16b319c-fd78-4b29-adae-fbf174bb409d": [ "d6f24d52-ab0c-43fa-8ba5-d5506dc82bf8" ], "0a88e3fb-67c5-47de-811f-ae5dd66cf5e9": [ "8c61171e-33a2-469b-8f98-4c6c23d76e86" ], "098ca9e1-2055-4d4d-8cb3-6011beb0326b": [ "8c61171e-33a2-469b-8f98-4c6c23d76e86" ], "d16aa99c-f149-4892-83a9-7c9b0687aa2a": [ "8c61171e-33a2-469b-8f98-4c6c23d76e86" ], "406fb2f8-bb24-44da-a5b4-dcd88157ef46": [ "8c61171e-33a2-469b-8f98-4c6c23d76e86" ], "81c6218d-f8d9-48a7-971a-c945c4165046": [ "8c61171e-33a2-469b-8f98-4c6c23d76e86" ], "9592713d-f338-422c-8bc6-7876741d05e0": [ "8c61171e-33a2-469b-8f98-4c6c23d76e86" ], "65e4c70d-dd01-4a31-9f4d-40f062cc35e0": [ "8c61171e-33a2-469b-8f98-4c6c23d76e86" ], "698cc70d-036b-4de1-98bb-cd8862baa427": [ "8c61171e-33a2-469b-8f98-4c6c23d76e86" ], "2ca0fa63-35b4-4d72-b6b8-401dea54a891": [ "8c61171e-33a2-469b-8f98-4c6c23d76e86" ], "eece39c3-a739-4edc-970a-8f2bc002428f": [ "8c61171e-33a2-469b-8f98-4c6c23d76e86" ], "6c213e10-648a-468e-8d4d-d2769e408b6e": [ "97bc2f9e-8a63-45ae-a88d-b9e067d87900" ], "d73bd419-04f0-420d-9122-d4e8d262983e": [ "97bc2f9e-8a63-45ae-a88d-b9e067d87900" ], "72ced28d-5f20-4683-a8e7-cdf1fc0867c7": [ "97bc2f9e-8a63-45ae-a88d-b9e067d87900" ], "e0d0d35b-2798-48d4-9759-826a6a80f75e": [ "97bc2f9e-8a63-45ae-a88d-b9e067d87900" ], "687e5e4a-b3bc-475b-95a3-de8a756dbea4": [ "97bc2f9e-8a63-45ae-a88d-b9e067d87900" ], "c16b40e4-b7f0-4e53-9b54-af93f490ddba": [ "97bc2f9e-8a63-45ae-a88d-b9e067d87900" ], "dd45435c-a381-450e-a48a-a569e3fc60df": [ "97bc2f9e-8a63-45ae-a88d-b9e067d87900" ], "5a823cc5-eb21-429e-afb8-b61f38a1a456": [ "97bc2f9e-8a63-45ae-a88d-b9e067d87900" ], "f414dc14-d214-415f-883a-6ac5a8693af8": [ "97bc2f9e-8a63-45ae-a88d-b9e067d87900" ], "52c1b2a0-d8e9-4e27-9c13-d238778662fe": [ "97bc2f9e-8a63-45ae-a88d-b9e067d87900" ], "551631ce-ae38-45ab-99b4-e2c34b6598bd": [ "e7fa1bf3-8b05-4150-a8dc-4c3b3b9a355d" ], "9382a1f6-c8b5-434c-9800-77614fa6ee77": [ "e7fa1bf3-8b05-4150-a8dc-4c3b3b9a355d" ], "10c49abb-9595-445e-baeb-8217ed76d6e6": [ "e7fa1bf3-8b05-4150-a8dc-4c3b3b9a355d" ], "8c6c364d-1318-4b48-87cb-3f94c9598261": [ "e7fa1bf3-8b05-4150-a8dc-4c3b3b9a355d" ], "d4f6646a-5b95-4175-ae11-6d3cf2f38307": [ "e7fa1bf3-8b05-4150-a8dc-4c3b3b9a355d" ], "c75bd9f7-4d83-4232-80ac-15124d96ff57": [ "e7fa1bf3-8b05-4150-a8dc-4c3b3b9a355d" ], "4d93905b-41b2-4a2f-a8f4-f1b0934a7544": [ "e7fa1bf3-8b05-4150-a8dc-4c3b3b9a355d" ], "50975077-ace8-495c-a447-c4348c6a366e": [ "e7fa1bf3-8b05-4150-a8dc-4c3b3b9a355d" ], "242f0705-3c48-4af3-9ea5-5bcaefe4ae32": [ "e7fa1bf3-8b05-4150-a8dc-4c3b3b9a355d" ], "1722d78f-fb6c-4377-8434-3b820a85e317": [ "e7fa1bf3-8b05-4150-a8dc-4c3b3b9a355d" ], "96cef970-3aeb-4b6b-b799-1691506d15b6": [ "563d0f95-e1e1-4de7-b5a5-a0879dc30cbf" ], "7118b673-1182-438f-b5c3-f4608b150a9a": [ "563d0f95-e1e1-4de7-b5a5-a0879dc30cbf" ], "982e3ca1-17b4-4c07-abbc-3d5fb165c024": [ "563d0f95-e1e1-4de7-b5a5-a0879dc30cbf" ], "10b5ae9f-d4f9-442a-97e2-280edfc4a7a8": [ "563d0f95-e1e1-4de7-b5a5-a0879dc30cbf" ], "fe7811cd-0603-4a25-bf83-6b6edaae9091": [ "563d0f95-e1e1-4de7-b5a5-a0879dc30cbf" ], "8d095257-fc8b-44a9-aac3-3d517e849c4a": [ "563d0f95-e1e1-4de7-b5a5-a0879dc30cbf" ], "beb731e4-d5ca-4e1b-ac99-1b1846ab1e5c": [ "563d0f95-e1e1-4de7-b5a5-a0879dc30cbf" ], "a670c0bc-eaba-4473-b45a-ab7df7c5b10c": [ "563d0f95-e1e1-4de7-b5a5-a0879dc30cbf" ], "98714cb4-bfb5-4851-ae88-bf7874608ced": [ "563d0f95-e1e1-4de7-b5a5-a0879dc30cbf" ], "7ae66525-567a-4032-b0f8-7d21869ea594": [ "563d0f95-e1e1-4de7-b5a5-a0879dc30cbf" ], "a942daaa-5030-43b9-8f7b-3c9f01eab336": [ "e4276872-000d-4fcf-8a26-77916cbe86c0" ], "bdb3c75c-a3a0-414c-b03d-ce644113f682": [ "e4276872-000d-4fcf-8a26-77916cbe86c0" ], "5f9a6cc6-9e03-4608-a364-59849155da1e": [ "e4276872-000d-4fcf-8a26-77916cbe86c0" ], "716dd51f-e711-4a05-adf3-82543955f796": [ "e4276872-000d-4fcf-8a26-77916cbe86c0" ], "1f63febc-0fc4-46a5-a8bd-ad088c4c6d33": [ "e4276872-000d-4fcf-8a26-77916cbe86c0" ], "65dace6d-9255-4b32-b3f2-9799f1334734": [ "e4276872-000d-4fcf-8a26-77916cbe86c0" ], "0f559dde-498f-4ca8-84fd-b54038eaf7ee": [ "e4276872-000d-4fcf-8a26-77916cbe86c0" ], "967a1af6-7d78-4d90-8ef3-076c3e128f81": [ "e4276872-000d-4fcf-8a26-77916cbe86c0" ], "1b690cb5-29d2-429a-8426-245f0d94f272": [ "e4276872-000d-4fcf-8a26-77916cbe86c0" ], "50ff37ce-c92e-438e-b342-7972b7adca69": [ "e4276872-000d-4fcf-8a26-77916cbe86c0" ], "62d32fdc-e8ea-4426-af4e-77c8b225c4f3": [ "a566a888-6df6-4bad-b1a8-a8b78f824501" ], "c6c08661-c89f-465f-bcbc-c676ec4f402d": [ "a566a888-6df6-4bad-b1a8-a8b78f824501" ], "8f203582-5567-41f6-954c-c9488e15d786": [ "a566a888-6df6-4bad-b1a8-a8b78f824501" ], "47342abb-4c9c-41dc-a7d3-c1a6aee33d08": [ "a566a888-6df6-4bad-b1a8-a8b78f824501" ], "d8c2738a-711f-4ac7-af59-c1efedc8c92e": [ "a566a888-6df6-4bad-b1a8-a8b78f824501" ], "bea8c920-f036-43e5-b7d7-5130a9b4c922": [ "a566a888-6df6-4bad-b1a8-a8b78f824501" ], "f54c118f-8a14-467e-afc8-e5b23594617b": [ "a566a888-6df6-4bad-b1a8-a8b78f824501" ], "fe5306da-0fd6-4ef1-9b02-5240eccc7b23": [ "a566a888-6df6-4bad-b1a8-a8b78f824501" ], "5f9f23da-2125-4404-be05-17593e13dfb8": [ "a566a888-6df6-4bad-b1a8-a8b78f824501" ], "dc9c5523-0a28-4caa-b298-1dab2aca685d": [ "a566a888-6df6-4bad-b1a8-a8b78f824501" ], "2754eee0-c09b-4f83-b5e7-6dc726dd9107": [ "00eb5ab1-3f17-4d42-abc5-a567b088214c" ], "f5df1eed-f36d-4c9c-a5b9-c0682a2ad278": [ "00eb5ab1-3f17-4d42-abc5-a567b088214c" ], "da40b7ca-e95e-4c57-8315-59c2670e2021": [ "00eb5ab1-3f17-4d42-abc5-a567b088214c" ], "28731f99-d212-45cf-9182-130f42d0d12c": [ "00eb5ab1-3f17-4d42-abc5-a567b088214c" ], "f418509b-8d03-4c9d-8a5c-1946d9152b8a": [ "00eb5ab1-3f17-4d42-abc5-a567b088214c" ], "1d70fcb1-e632-4481-9126-0091f5d56089": [ "00eb5ab1-3f17-4d42-abc5-a567b088214c" ], "828adab5-07b1-4ea3-957b-4b7a73c8c15a": [ "00eb5ab1-3f17-4d42-abc5-a567b088214c" ], "6ef428fc-6b18-4ffa-9e96-344c555333b3": [ "00eb5ab1-3f17-4d42-abc5-a567b088214c" ], "32edca52-09e6-4053-8510-b74c62804442": [ "00eb5ab1-3f17-4d42-abc5-a567b088214c" ], "6483a5d8-8fcc-41f9-ad84-a792a8815d7b": [ "00eb5ab1-3f17-4d42-abc5-a567b088214c" ], "10e44d40-827d-4242-8b6d-1022468af676": [ "9b7571e7-28d7-4311-a1bd-468b15821b54" ], "3badb2af-fa4c-415d-95e9-83a7d9519776": [ "9b7571e7-28d7-4311-a1bd-468b15821b54" ], "1e8a3076-d34c-4577-bce2-81ca623d145d": [ "9b7571e7-28d7-4311-a1bd-468b15821b54" ], "bf1df483-f55f-44ae-864b-2c605a3e412c": [ "9b7571e7-28d7-4311-a1bd-468b15821b54" ], "34cd3905-6cd0-4dec-925c-d195736c3006": [ "9b7571e7-28d7-4311-a1bd-468b15821b54" ], "f13c25ad-e133-44a7-93d9-390ccbfe9747": [ "9b7571e7-28d7-4311-a1bd-468b15821b54" ], "d8faf3b9-da98-4de4-bd28-f75ecbb2f88c": [ "9b7571e7-28d7-4311-a1bd-468b15821b54" ], "ac6de03d-78e7-4073-836c-e8e0a4eab06c": [ "9b7571e7-28d7-4311-a1bd-468b15821b54" ], "de78a4d1-8093-497a-a8e2-caeee2667075": [ "9b7571e7-28d7-4311-a1bd-468b15821b54" ], "3fe33b65-dc97-45ec-9d0a-80add85922d2": [ "9b7571e7-28d7-4311-a1bd-468b15821b54" ], "bbe7631c-db1d-4a0c-906a-2572bcbafa33": [ "b7ae2377-4869-47cb-a155-e8ccde4ca260" ], "b63417a4-0f76-44e9-8fc8-b824da7eab31": [ "b7ae2377-4869-47cb-a155-e8ccde4ca260" ], "242820df-9028-43c1-8df6-253ca044e97c": [ "b7ae2377-4869-47cb-a155-e8ccde4ca260" ], "d407bc89-58c9-4cf2-a4a5-0d6f756937ab": [ "b7ae2377-4869-47cb-a155-e8ccde4ca260" ], "b5c59b1e-d81f-4e1e-bda2-e3ca504e7bee": [ "b7ae2377-4869-47cb-a155-e8ccde4ca260" ], "84c450b3-4329-45ff-ae16-56936b7a067e": [ "b7ae2377-4869-47cb-a155-e8ccde4ca260" ], "63909e7c-846f-4979-a51e-f77be29a4a21": [ "b7ae2377-4869-47cb-a155-e8ccde4ca260" ], "6370d38e-74b6-47b8-8d2a-401198eebeca": [ "b7ae2377-4869-47cb-a155-e8ccde4ca260" ], "8093e7ae-e0d2-46e8-aba0-2337e3057e0a": [ "b7ae2377-4869-47cb-a155-e8ccde4ca260" ], "de266a55-519c-4df8-9736-3bdac9591880": [ "b7ae2377-4869-47cb-a155-e8ccde4ca260" ], "01c49634-3d00-4860-a457-60d3297458a7": [ "4869d1c5-9d78-4066-a60d-741969040198" ], "72479fb9-6928-4336-94a4-3b63c6f6fdee": [ "4869d1c5-9d78-4066-a60d-741969040198" ], "04b3ffb5-bef5-4e94-bac9-e3b8c4bd5643": [ "4869d1c5-9d78-4066-a60d-741969040198" ], "6d2b5e44-5841-42e3-b97b-184ad9f4683d": [ "4869d1c5-9d78-4066-a60d-741969040198" ], "f1c44e7c-481a-45f9-a589-95a0aeb25b2d": [ "4869d1c5-9d78-4066-a60d-741969040198" ], "06f2c4da-bfe0-416a-8631-e1a48c3009b4": [ "4869d1c5-9d78-4066-a60d-741969040198" ], "e209916d-1864-4670-bbb0-776565083c2f": [ "4869d1c5-9d78-4066-a60d-741969040198" ], "68bd0edc-300d-4e3d-9449-ea468275990c": [ "4869d1c5-9d78-4066-a60d-741969040198" ], "9c43d6d3-1bb3-46c8-b31e-8546a8175ec1": [ "4869d1c5-9d78-4066-a60d-741969040198" ], "a0197552-d582-44cd-9147-93a75d2482ab": [ "4869d1c5-9d78-4066-a60d-741969040198" ], "be3f39f0-2035-400a-b84d-97dd18754e13": [ "e8274997-31b4-4907-ae8f-13b674e38c0a" ], "43d9cdce-382d-465c-aca0-c6eb44574fff": [ "e8274997-31b4-4907-ae8f-13b674e38c0a" ], "78522d78-f053-4d02-b5cc-ee1ad0851431": [ "e8274997-31b4-4907-ae8f-13b674e38c0a" ], "3b0dd779-8a80-41f0-9683-0d24ee294c8a": [ "e8274997-31b4-4907-ae8f-13b674e38c0a" ], "0c10c79a-487d-428b-b4dd-6181fc2c7af2": [ "e8274997-31b4-4907-ae8f-13b674e38c0a" ], "088f07ca-bd7c-46ae-b634-bcacc72f01bf": [ "e8274997-31b4-4907-ae8f-13b674e38c0a" ], "38a486c3-a108-4f4c-9bf8-7e750736d4ee": [ "e8274997-31b4-4907-ae8f-13b674e38c0a" ], "7cb0bb84-36e1-4bd9-9ac1-14e0f3d9b10d": [ "e8274997-31b4-4907-ae8f-13b674e38c0a" ], "c9153ea8-9776-4f41-9d58-7f25bf4b4bbc": [ "e8274997-31b4-4907-ae8f-13b674e38c0a" ], "b76d98e8-db64-4337-9e94-351c59e8cd3b": [ "e8274997-31b4-4907-ae8f-13b674e38c0a" ], "1f2f1b80-662b-4b6c-9406-05bc036624c3": [ "5a27c2b3-7c9a-4d28-b5f8-a7407bdbf650" ], "af39aeb3-82ab-4e92-bb94-39640b665e7d": [ "5a27c2b3-7c9a-4d28-b5f8-a7407bdbf650" ], "661312f4-deed-4bce-b0ec-0779af7c17ab": [ "5a27c2b3-7c9a-4d28-b5f8-a7407bdbf650" ], "7cf76f30-8d3b-4593-a7e5-dcb7c3348aae": [ "5a27c2b3-7c9a-4d28-b5f8-a7407bdbf650" ], "eba47706-209a-4ec3-ae8e-ba79b484d8fe": [ "5a27c2b3-7c9a-4d28-b5f8-a7407bdbf650" ], "2acc1513-7eb6-4d70-8e70-a5e6cfd8c267": [ "5a27c2b3-7c9a-4d28-b5f8-a7407bdbf650" ], "e9b45c56-0255-4ed3-8a3d-6168f38ab3e2": [ "5a27c2b3-7c9a-4d28-b5f8-a7407bdbf650" ], "3ec8a65c-ece2-48c0-ac18-407c183ef241": [ "5a27c2b3-7c9a-4d28-b5f8-a7407bdbf650" ], "68fdf79f-b911-4782-b271-1a6f5e7f0646": [ "5a27c2b3-7c9a-4d28-b5f8-a7407bdbf650" ], "520860a6-5912-4ba6-8305-7e25220d051f": [ "5a27c2b3-7c9a-4d28-b5f8-a7407bdbf650" ], "3cfe9f5a-7091-48d7-96d3-ecd1976c0c3d": [ "518015b4-0817-47bb-ba2f-5f87e7daf7b9" ], "b2e63d67-498f-4d59-9037-90d67edd61e4": [ "518015b4-0817-47bb-ba2f-5f87e7daf7b9" ], "7ece7682-c8f3-4fc2-adc6-2571e63c9843": [ "518015b4-0817-47bb-ba2f-5f87e7daf7b9" ], "63aa93d7-57d7-4155-86dd-db849d0c89f8": [ "518015b4-0817-47bb-ba2f-5f87e7daf7b9" ], "e3397764-36d2-4fda-9092-af8f2083a485": [ "518015b4-0817-47bb-ba2f-5f87e7daf7b9" ], "a690b222-11bf-4f5c-bb73-6c272897ddbb": [ "518015b4-0817-47bb-ba2f-5f87e7daf7b9" ], "bb15c896-c776-4f20-94a3-7fa73c91921d": [ "518015b4-0817-47bb-ba2f-5f87e7daf7b9" ], "e6b55f9e-7045-4f33-8986-489f16c2bb7f": [ "518015b4-0817-47bb-ba2f-5f87e7daf7b9" ], "c6849e28-e2c8-4396-8384-47257d7ff755": [ "518015b4-0817-47bb-ba2f-5f87e7daf7b9" ], "d0400338-8a36-43a6-848c-a1ae2422c8d5": [ "518015b4-0817-47bb-ba2f-5f87e7daf7b9" ], "a0118c11-2c0a-4008-81b7-c7d6c652e056": [ "400b7c0d-d253-4b24-9234-c6ae55caf6e3" ], "5846bab6-5226-4ab4-b390-6bf3a26c178f": [ "400b7c0d-d253-4b24-9234-c6ae55caf6e3" ], "134c914e-671c-4d01-8e8e-a36be0a2840f": [ "400b7c0d-d253-4b24-9234-c6ae55caf6e3" ], "c4d2ed9e-af4d-4979-a226-725581efa547": [ "400b7c0d-d253-4b24-9234-c6ae55caf6e3" ], "bd5feec3-e257-4359-8f4a-634b4027a386": [ "400b7c0d-d253-4b24-9234-c6ae55caf6e3" ], "ab687afb-d977-43e0-a55e-c1d16c61ca22": [ "400b7c0d-d253-4b24-9234-c6ae55caf6e3" ], "30080c42-99db-4a31-a7ba-bd99dd36d95e": [ "400b7c0d-d253-4b24-9234-c6ae55caf6e3" ], "458319ba-dac6-4f64-a629-246da44745cf": [ "400b7c0d-d253-4b24-9234-c6ae55caf6e3" ], "ee1dff83-be39-4de4-aefd-63fcb4f67197": [ "400b7c0d-d253-4b24-9234-c6ae55caf6e3" ], "1ea53f34-2fd2-4497-acba-39861275b61f": [ "400b7c0d-d253-4b24-9234-c6ae55caf6e3" ], "e8da146d-f75b-4d9a-92d6-75f674904a80": [ "7a6a1904-fd00-419b-bf33-f5b9be7fdf9d" ], "bf8cac15-0555-4989-94b7-efb466e5a69d": [ "7a6a1904-fd00-419b-bf33-f5b9be7fdf9d" ], "bb71957e-f9ba-48d3-b7ce-07c27bfa4304": [ "7a6a1904-fd00-419b-bf33-f5b9be7fdf9d" ], "5a255c65-7696-4b36-9efc-744ebce1ec5c": [ "7a6a1904-fd00-419b-bf33-f5b9be7fdf9d" ], "212debfb-09f2-4440-a215-a83f53318bb4": [ "7a6a1904-fd00-419b-bf33-f5b9be7fdf9d" ], "7d056ba2-f716-4819-90fa-d792cc71b1a6": [ "7a6a1904-fd00-419b-bf33-f5b9be7fdf9d" ], "a541ff46-19e1-45a1-af8b-e4dc4c242e89": [ "7a6a1904-fd00-419b-bf33-f5b9be7fdf9d" ], "4dfb548b-822a-4933-ac96-9c4473bb02c5": [ "7a6a1904-fd00-419b-bf33-f5b9be7fdf9d" ], "0d1460dc-6970-4c9b-aa0d-cd107cd34c17": [ "7a6a1904-fd00-419b-bf33-f5b9be7fdf9d" ], "941260c2-906d-4ba7-9229-6c999d4ad42a": [ "7a6a1904-fd00-419b-bf33-f5b9be7fdf9d" ], "79661c77-ff9d-43b5-8c26-0207070e23d5": [ "2ad5e908-fe40-4aaa-b729-77fd53d1e271" ], "28a6a4af-c417-467b-92d1-07ef32cd5d87": [ "2ad5e908-fe40-4aaa-b729-77fd53d1e271" ], "b050ede0-b762-4bf4-83a8-d218d33ca60e": [ "2ad5e908-fe40-4aaa-b729-77fd53d1e271" ], "7c15cb09-ccaf-487d-b9fd-8100883f01eb": [ "2ad5e908-fe40-4aaa-b729-77fd53d1e271" ], "d25f9d0c-1601-4303-9481-bd79ec79c30a": [ "2ad5e908-fe40-4aaa-b729-77fd53d1e271" ], "b90e2db0-91aa-4db5-a245-fc7557aab928": [ "2ad5e908-fe40-4aaa-b729-77fd53d1e271" ], "206e7f95-61ee-42ad-9265-3aa595a5c2c8": [ "2ad5e908-fe40-4aaa-b729-77fd53d1e271" ], "02cd42a5-5791-4556-90a5-e971a933dc51": [ "2ad5e908-fe40-4aaa-b729-77fd53d1e271" ], "4508ead5-1a85-4d01-b426-ea47af6072e3": [ "2ad5e908-fe40-4aaa-b729-77fd53d1e271" ], "8935c2df-0b36-4791-a33d-db326a2dddb0": [ "2ad5e908-fe40-4aaa-b729-77fd53d1e271" ], "abb576c3-08d4-44f7-85b1-0855a3aa7475": [ "8332a091-b51a-448d-bc57-703eeef23df3" ], "10678778-9205-4dca-a1ad-ef93b791cf2a": [ "8332a091-b51a-448d-bc57-703eeef23df3" ], "78022d2f-58e9-41c3-bf1b-d7b8794c8c1d": [ "8332a091-b51a-448d-bc57-703eeef23df3" ], "a9bcb9c5-a251-447e-a221-f4ec5c0bb750": [ "8332a091-b51a-448d-bc57-703eeef23df3" ], "d1f652fa-784e-49a0-9c13-6d538b3316f6": [ "8332a091-b51a-448d-bc57-703eeef23df3" ], "3c6f8e15-e8f3-4bd3-b3cf-f39efe0c6514": [ "8332a091-b51a-448d-bc57-703eeef23df3" ], "6f11937a-d649-4cc7-b24c-37f2e4386833": [ "8332a091-b51a-448d-bc57-703eeef23df3" ], "6b91570f-2370-47c6-839d-ead631620bfe": [ "8332a091-b51a-448d-bc57-703eeef23df3" ], "1e560204-ec68-46bf-88b6-e03a4910d80f": [ "8332a091-b51a-448d-bc57-703eeef23df3" ], "3a619276-3111-4598-8986-406494412255": [ "8332a091-b51a-448d-bc57-703eeef23df3" ], "66310aac-6aa8-4f32-bdaf-13f691ec0887": [ "9bb4b825-23d1-46d8-a95e-dfb47bf4fbab" ], "795da9cf-dea0-41b1-8fef-89510fa432bd": [ "9bb4b825-23d1-46d8-a95e-dfb47bf4fbab" ], "07a7deb1-39af-4cc8-941a-a451584ddd4e": [ "9bb4b825-23d1-46d8-a95e-dfb47bf4fbab" ], "e19bb39a-300a-4889-bbbd-9e87db6644a8": [ "9bb4b825-23d1-46d8-a95e-dfb47bf4fbab" ], "4303824c-5aeb-47a9-8748-10d0322f3ae2": [ "9bb4b825-23d1-46d8-a95e-dfb47bf4fbab" ], "4bf2e3bb-417f-49ed-938d-b21064b2740d": [ "9bb4b825-23d1-46d8-a95e-dfb47bf4fbab" ], "621ea2be-e628-4427-a69a-d2017e9e9115": [ "9bb4b825-23d1-46d8-a95e-dfb47bf4fbab" ], "4ec95574-ec10-4368-aaf3-1e41de89d57d": [ "9bb4b825-23d1-46d8-a95e-dfb47bf4fbab" ], "5794f3ef-a08e-4be9-8573-791f2272c949": [ "9bb4b825-23d1-46d8-a95e-dfb47bf4fbab" ], "12930c0a-3d81-4fb4-9471-c9b6ee129cb0": [ "9bb4b825-23d1-46d8-a95e-dfb47bf4fbab" ], "7ad5d6bc-556a-45c3-9aeb-9f436bcfedef": [ "e4071855-bcad-4f3d-a5bf-562db87021cb" ], "4929ad48-c698-4e89-b2ab-cb780797979f": [ "e4071855-bcad-4f3d-a5bf-562db87021cb" ], "3a473ec3-8a7a-4ad7-adb9-c4115844e581": [ "e4071855-bcad-4f3d-a5bf-562db87021cb" ], "8131a97b-eb68-4c19-9f2d-2e223efbf284": [ "e4071855-bcad-4f3d-a5bf-562db87021cb" ], "445cb393-cc18-4a3e-b523-d0bc0ab603be": [ "e4071855-bcad-4f3d-a5bf-562db87021cb" ], "724a4fb4-4284-471d-b2d4-b858538b2c4a": [ "e4071855-bcad-4f3d-a5bf-562db87021cb" ], "b618a4e7-b591-4d89-984d-c5abdb146d44": [ "e4071855-bcad-4f3d-a5bf-562db87021cb" ], "1f388d3b-1e41-42ba-b9d1-757bddb107fc": [ "e4071855-bcad-4f3d-a5bf-562db87021cb" ], "9f139e07-de6c-4c6d-bc73-c37be2245f65": [ "e4071855-bcad-4f3d-a5bf-562db87021cb" ], "398c0298-1caf-4c8a-ad1c-47c5ab20d465": [ "e4071855-bcad-4f3d-a5bf-562db87021cb" ], "ced5966f-c53f-4148-a5ca-744d00ef69a8": [ "1c744c02-1233-4fb9-8e31-ee6baa342622" ], "68a91666-4dec-4def-a8a0-96b06135ac3a": [ "1c744c02-1233-4fb9-8e31-ee6baa342622" ], "6c44e139-79e3-4153-9ef3-4f1c256e84f2": [ "1c744c02-1233-4fb9-8e31-ee6baa342622" ], "e9d2e76b-f798-4248-a11f-88d81149d4dc": [ "1c744c02-1233-4fb9-8e31-ee6baa342622" ], "b38bc9e6-8f02-4474-962d-48ddd8b856cf": [ "1c744c02-1233-4fb9-8e31-ee6baa342622" ], "7bcb69b5-b371-4b78-96b6-d2b6b79bd0aa": [ "1c744c02-1233-4fb9-8e31-ee6baa342622" ], "f3c6fb1c-819e-4071-8ad0-38cb507bf637": [ "1c744c02-1233-4fb9-8e31-ee6baa342622" ], "0ac6a01b-d744-458a-853d-2d67fe4e99e1": [ "1c744c02-1233-4fb9-8e31-ee6baa342622" ], "cd2e41d4-50f5-4ca1-b0cc-de8d8976c153": [ "1c744c02-1233-4fb9-8e31-ee6baa342622" ], "99748b0f-ce79-4d54-9a47-15f9b9d3d6b2": [ "1c744c02-1233-4fb9-8e31-ee6baa342622" ], "3465b4d0-edf0-4932-b0bb-34998ac4954f": [ "68aee4bc-d799-4edd-a9e6-7dfbd387517b" ], "dfb5a4d2-8acc-4681-b7ff-53a9f32e5cd3": [ "68aee4bc-d799-4edd-a9e6-7dfbd387517b" ], "1fbe63e8-119f-4c5a-971c-a2b11ed40bf8": [ "68aee4bc-d799-4edd-a9e6-7dfbd387517b" ], "3d633455-7340-4438-a976-b3c33514a0b2": [ "68aee4bc-d799-4edd-a9e6-7dfbd387517b" ], "1690183c-2e69-4fe0-b150-146b82b5ebc7": [ "68aee4bc-d799-4edd-a9e6-7dfbd387517b" ], "7db441c3-68c5-42a0-a1d7-005bcec4b256": [ "68aee4bc-d799-4edd-a9e6-7dfbd387517b" ], "2079911f-c11d-42da-ab2a-23d330be26af": [ "68aee4bc-d799-4edd-a9e6-7dfbd387517b" ], "501822dd-d347-4136-ace9-5bcbe96dfe75": [ "68aee4bc-d799-4edd-a9e6-7dfbd387517b" ], "87d9073c-20fa-417d-881b-194b720b07c3": [ "68aee4bc-d799-4edd-a9e6-7dfbd387517b" ], "acf04de5-e0cb-4f64-a1a0-06dd1e8dc6a4": [ "68aee4bc-d799-4edd-a9e6-7dfbd387517b" ], "bf8fea50-141a-4143-a513-67899d7a0d51": [ "037e4090-b984-4465-9e48-e64b13b6d813" ], "b1775c58-dcd8-4b15-8038-3dff26f4a077": [ "037e4090-b984-4465-9e48-e64b13b6d813" ], "bf88acb0-2f34-4e3d-8fdb-76457e2f8587": [ "037e4090-b984-4465-9e48-e64b13b6d813" ], "52914e60-7b94-47c9-a12a-44f0d9b32ce6": [ "037e4090-b984-4465-9e48-e64b13b6d813" ], "bf421811-932b-446e-bf7e-03c918787294": [ "037e4090-b984-4465-9e48-e64b13b6d813" ], "2b4d48c6-bd3f-4748-bc70-a23daabb076c": [ "037e4090-b984-4465-9e48-e64b13b6d813" ], "0caa27f5-f094-4ea5-ad0b-3e796e60c291": [ "037e4090-b984-4465-9e48-e64b13b6d813" ], "9edeb5bd-1232-4c14-b04a-34752aa5c226": [ "037e4090-b984-4465-9e48-e64b13b6d813" ], "240b11de-8ed7-4408-836c-91011e346eda": [ "037e4090-b984-4465-9e48-e64b13b6d813" ], "9a702734-bb93-4142-b6a3-f94814b50c86": [ "037e4090-b984-4465-9e48-e64b13b6d813" ], "ec13addf-0efa-4c1a-8d50-dd14f0fd8532": [ "5093bb50-53ac-4bea-b454-ad2bc2db4f8e" ], "8f558ed4-004d-44a4-842d-4ad1de9cd038": [ "5093bb50-53ac-4bea-b454-ad2bc2db4f8e" ], "995aebee-e16e-4302-a362-c9b2ad7e3f03": [ "5093bb50-53ac-4bea-b454-ad2bc2db4f8e" ], "f9743728-ec38-4f8c-ade3-980de2a65a3b": [ "5093bb50-53ac-4bea-b454-ad2bc2db4f8e" ], "b324678d-7ebd-46f8-9bb0-7cb2b2afcbf8": [ "5093bb50-53ac-4bea-b454-ad2bc2db4f8e" ], "7a51965b-5c0e-4803-83a3-5bd9bf22118e": [ "5093bb50-53ac-4bea-b454-ad2bc2db4f8e" ], "74934731-3a72-4bc6-93c9-8be2d3ebfbaa": [ "5093bb50-53ac-4bea-b454-ad2bc2db4f8e" ], "020a812c-fae9-4754-8371-db2391e0056d": [ "5093bb50-53ac-4bea-b454-ad2bc2db4f8e" ], "228032d1-09a4-4f2f-9e54-5f4e4c7c0483": [ "5093bb50-53ac-4bea-b454-ad2bc2db4f8e" ], "f9821204-5705-4010-bb44-766e79f4a5be": [ "5093bb50-53ac-4bea-b454-ad2bc2db4f8e" ], "2c4115fe-6038-4be3-9491-e7dd9635adf4": [ "7373095e-1bd8-4e06-8feb-edf7fae54a60" ], "c1ccc3d7-915a-41f2-8c8d-c7f429df92e5": [ "7373095e-1bd8-4e06-8feb-edf7fae54a60" ], "969d8426-1c80-41e5-a2ec-f8bab29ea2af": [ "7373095e-1bd8-4e06-8feb-edf7fae54a60" ], "d9504c40-1cb5-4de4-b472-68faeaf8e6d1": [ "7373095e-1bd8-4e06-8feb-edf7fae54a60" ], "62b9f19d-1e8e-4551-a695-ed0da8225ca1": [ "7373095e-1bd8-4e06-8feb-edf7fae54a60" ], "e486a171-47e5-4108-97e3-12cd3946fa36": [ "7373095e-1bd8-4e06-8feb-edf7fae54a60" ], "d5adcb3f-43df-480b-9266-17eda28f350d": [ "7373095e-1bd8-4e06-8feb-edf7fae54a60" ], "e4ecc4de-dd87-4767-8a00-7ce4e25f739e": [ "7373095e-1bd8-4e06-8feb-edf7fae54a60" ], "f748d64d-3e0f-4e59-9362-542a9a66a9a7": [ "7373095e-1bd8-4e06-8feb-edf7fae54a60" ], "442a9792-6ac5-43d1-8241-3fc7a5742685": [ "7373095e-1bd8-4e06-8feb-edf7fae54a60" ], "b1ab5cb9-b0f9-4e1c-a49b-4bc3a3aad9d2": [ "5053a58c-dae0-48a6-904c-46b7ca9f2745" ], "c21dc72a-8a68-4d98-8a6a-6b8921b64743": [ "5053a58c-dae0-48a6-904c-46b7ca9f2745" ], "eb720494-8f77-453b-bfbb-621e6b80c09d": [ "5053a58c-dae0-48a6-904c-46b7ca9f2745" ], "469cf5a5-ce8e-4f71-b91a-5923be836cec": [ "5053a58c-dae0-48a6-904c-46b7ca9f2745" ], "fc93d35a-928f-457f-8334-bbd3120582d5": [ "5053a58c-dae0-48a6-904c-46b7ca9f2745" ], "e9aa811e-a113-4979-acbd-33781e1b6f29": [ "5053a58c-dae0-48a6-904c-46b7ca9f2745" ], "637e60b7-2e63-4e44-8a69-2b7c646ddd60": [ "5053a58c-dae0-48a6-904c-46b7ca9f2745" ], "49ed4498-7746-40d1-aed2-99e1b3880351": [ "5053a58c-dae0-48a6-904c-46b7ca9f2745" ], "a92342c8-60bd-433a-8ec4-40f3b53452ac": [ "5053a58c-dae0-48a6-904c-46b7ca9f2745" ], "86e7df98-0438-4288-80e2-92c1c288d955": [ "5053a58c-dae0-48a6-904c-46b7ca9f2745" ], "ca59f810-0a86-4297-b82c-957f362c4c4c": [ "88539b82-01f8-4238-a9d3-bc7615a9af9c" ], "c4c23d3a-d7a4-4e29-9e44-74685d802fb4": [ "88539b82-01f8-4238-a9d3-bc7615a9af9c" ], "22f888cd-899a-41da-bd68-cef8628c2567": [ "88539b82-01f8-4238-a9d3-bc7615a9af9c" ], "2814f66d-3666-49e0-aa99-ed588d17ce9b": [ "88539b82-01f8-4238-a9d3-bc7615a9af9c" ], "8d5f3d8a-2048-4f21-99f9-b97f9b790add": [ "88539b82-01f8-4238-a9d3-bc7615a9af9c" ], "467acdf0-9178-4b98-83be-603cb5a3f605": [ "88539b82-01f8-4238-a9d3-bc7615a9af9c" ], "4dce4eec-e480-4d2b-8904-dd758b87435f": [ "88539b82-01f8-4238-a9d3-bc7615a9af9c" ], "7ac49910-1160-4e96-957a-1d0a073cb7d7": [ "88539b82-01f8-4238-a9d3-bc7615a9af9c" ], "6aeec7b6-6f07-4f7b-acee-ef605520a43c": [ "88539b82-01f8-4238-a9d3-bc7615a9af9c" ], "da9a6955-10e6-4ee9-8add-54b25afe09cd": [ "88539b82-01f8-4238-a9d3-bc7615a9af9c" ], "577b5923-ada7-49b0-88be-1858d43a988e": [ "a634ef7a-810b-45af-a8c2-fb0f994ad403" ], "2415d52b-0b92-4574-a6b0-39f5ea58be40": [ "a634ef7a-810b-45af-a8c2-fb0f994ad403" ], "8c670a0b-6714-4054-8cab-806fda6714b7": [ "a634ef7a-810b-45af-a8c2-fb0f994ad403" ], "0ebb27e1-42cd-4f80-ae58-8ec7cfab2114": [ "a634ef7a-810b-45af-a8c2-fb0f994ad403" ], "5c417fc2-a1c1-4e44-b4d5-b3b76a58a8ec": [ "a634ef7a-810b-45af-a8c2-fb0f994ad403" ], "fd32079f-60aa-4472-91e6-8538eccb9502": [ "a634ef7a-810b-45af-a8c2-fb0f994ad403" ], "9fa21e8b-3629-4235-96fc-e76dee915e3d": [ "a634ef7a-810b-45af-a8c2-fb0f994ad403" ], "f1928300-693f-44d6-9645-6ba0346f3c17": [ "a634ef7a-810b-45af-a8c2-fb0f994ad403" ], "1aaf30c2-3525-4b84-be35-84c132f660a5": [ "a634ef7a-810b-45af-a8c2-fb0f994ad403" ], "0de4a890-2e91-4cc3-bca9-e1bf79220887": [ "a634ef7a-810b-45af-a8c2-fb0f994ad403" ], "55393b10-4c99-4f43-bf22-144803796e6a": [ "7cf6ee13-88bc-48ce-93ec-d07b50d12775" ], "1666864b-87be-4015-a649-e18473dc3b73": [ "7cf6ee13-88bc-48ce-93ec-d07b50d12775" ], "67e0a359-5bea-4c2b-a856-788104aaf2ad": [ "7cf6ee13-88bc-48ce-93ec-d07b50d12775" ], "cb3758b2-e351-483e-9735-1cec95120cbc": [ "7cf6ee13-88bc-48ce-93ec-d07b50d12775" ], "dc4d5e9c-2610-4f51-8841-7ed98c2b6756": [ "7cf6ee13-88bc-48ce-93ec-d07b50d12775" ], "4e9d8537-9c3c-48a4-a68f-f9fb412f1c98": [ "7cf6ee13-88bc-48ce-93ec-d07b50d12775" ], "c140ddde-f1ba-4e37-8f94-eacb46897dd6": [ "7cf6ee13-88bc-48ce-93ec-d07b50d12775" ], "00f96661-2544-4034-ab86-e21c8dfd19b1": [ "7cf6ee13-88bc-48ce-93ec-d07b50d12775" ], "ed61be70-168f-412f-b509-177722a1c69d": [ "7cf6ee13-88bc-48ce-93ec-d07b50d12775" ], "87be6720-7fed-4525-a4fd-913b19f2c420": [ "7cf6ee13-88bc-48ce-93ec-d07b50d12775" ], "be71cdbc-4dc8-4e97-a73a-9cd211e77491": [ "0452792c-cb83-44b6-bac6-4ea618bebddc" ], "87c08591-dc5f-464b-b902-66fb1d15ef82": [ "0452792c-cb83-44b6-bac6-4ea618bebddc" ], "54b18182-aff5-4372-8897-b41dd7d4fc8c": [ "0452792c-cb83-44b6-bac6-4ea618bebddc" ], "af715245-754b-44a6-94b9-c38d6502ff67": [ "0452792c-cb83-44b6-bac6-4ea618bebddc" ], "89061924-38ee-48ca-a7f3-6f92486556b9": [ "0452792c-cb83-44b6-bac6-4ea618bebddc" ], "cc8196c4-9d0a-47cd-b0d9-e15413c26718": [ "0452792c-cb83-44b6-bac6-4ea618bebddc" ], "4c7af23c-8a1f-49b6-ae6b-3b488042c888": [ "0452792c-cb83-44b6-bac6-4ea618bebddc" ], "dcc917fb-c814-440d-b6b8-02181180d2da": [ "0452792c-cb83-44b6-bac6-4ea618bebddc" ], "dbc73d85-803b-4e85-b4a6-aa459fbfd043": [ "0452792c-cb83-44b6-bac6-4ea618bebddc" ], "9527ecc4-ff92-49d3-aced-4e3a578c8de8": [ "0452792c-cb83-44b6-bac6-4ea618bebddc" ], "d6c9c605-bb45-4574-9330-6170dcd11e52": [ "159c2454-fa93-4113-ba4c-257356fe4118" ], "017094cb-5927-46c5-9a09-95afab894fdd": [ "159c2454-fa93-4113-ba4c-257356fe4118" ], "26ea176c-cbe6-46bf-9911-a18af1223fe6": [ "159c2454-fa93-4113-ba4c-257356fe4118" ], "03f27278-2b90-4819-bb33-710862df36f9": [ "159c2454-fa93-4113-ba4c-257356fe4118" ], "c91857f7-ee86-4f9e-ac39-3af3046b2f48": [ "159c2454-fa93-4113-ba4c-257356fe4118" ], "26be4eb1-28c7-4a9e-b8e5-66e53ea51a58": [ "159c2454-fa93-4113-ba4c-257356fe4118" ], "f7c88afc-dc87-4da7-8276-071586168b99": [ "159c2454-fa93-4113-ba4c-257356fe4118" ], "49f3180b-342e-47d3-bc49-0b9a6e9dcff9": [ "159c2454-fa93-4113-ba4c-257356fe4118" ], "70ca17f6-1592-43b0-9213-3714803699ba": [ "159c2454-fa93-4113-ba4c-257356fe4118" ], "21e61946-2c14-4bb0-b769-f69659f52f18": [ "159c2454-fa93-4113-ba4c-257356fe4118" ], "b445c185-8df8-40ad-9c60-747eb11cd2e7": [ "64a5a6de-527e-416c-89c3-63fee4fbc888" ], "cc9c4643-d7d8-4aa2-af7e-f23108e795c8": [ "64a5a6de-527e-416c-89c3-63fee4fbc888" ], "a8e4158e-482d-43f6-b393-c6f1d9460e7e": [ "64a5a6de-527e-416c-89c3-63fee4fbc888" ], "13b21f59-0644-46df-8ab3-2b9b9ce254b0": [ "64a5a6de-527e-416c-89c3-63fee4fbc888" ], "94727e61-9e01-41a7-b9b5-c941704bcd7e": [ "64a5a6de-527e-416c-89c3-63fee4fbc888" ], "63e41490-9e95-46ff-b5e3-105f421c1485": [ "64a5a6de-527e-416c-89c3-63fee4fbc888" ], "877d4a0c-9d80-459c-b6db-a7b06a881df1": [ "64a5a6de-527e-416c-89c3-63fee4fbc888" ], "013c07c5-2e4c-4753-acbd-1e696bb4cf48": [ "64a5a6de-527e-416c-89c3-63fee4fbc888" ], "00c88d18-f0ed-4b16-ae97-fb3cbf07b6da": [ "64a5a6de-527e-416c-89c3-63fee4fbc888" ], "db908cd0-eacc-46f0-9fb2-53a970abddc7": [ "64a5a6de-527e-416c-89c3-63fee4fbc888" ], "3bd43962-88e6-4e1b-a25b-0b43ebeb64a3": [ "44a03480-9cdb-475f-a49c-c8c991eab982" ], "999634a9-45e7-42a2-a6da-5a822df943d1": [ "44a03480-9cdb-475f-a49c-c8c991eab982" ], "9a454ba5-aa79-44a8-a037-7864050e93f1": [ "44a03480-9cdb-475f-a49c-c8c991eab982" ], "2fa52af3-ecbd-4c8a-9b11-1d4ecccce720": [ "44a03480-9cdb-475f-a49c-c8c991eab982" ], "12443f63-695d-4679-9185-e923363d5341": [ "44a03480-9cdb-475f-a49c-c8c991eab982" ], "68d3fbfe-d004-4907-bc29-455d0acd2633": [ "44a03480-9cdb-475f-a49c-c8c991eab982" ], "07ec2081-df6c-4d89-952a-cf99e7533c98": [ "44a03480-9cdb-475f-a49c-c8c991eab982" ], "5fbeb88f-1e8d-41bd-b33a-316781f6b1ae": [ "44a03480-9cdb-475f-a49c-c8c991eab982" ], "e9eac57c-3fce-4ad3-ad91-36ffdd66dfe0": [ "44a03480-9cdb-475f-a49c-c8c991eab982" ], "9f405e78-1c79-4881-9ca9-9c93503eb108": [ "44a03480-9cdb-475f-a49c-c8c991eab982" ], "ad59661a-5db1-45ca-bb91-9b4c60690dcd": [ "c699d0db-bef3-4cd0-ad23-dccc9df170bd" ], "57ccaef1-3c01-4cd2-afe7-20e9ab8531b9": [ "c699d0db-bef3-4cd0-ad23-dccc9df170bd" ], "5688c0b6-7a9b-4fe6-8505-d4887938a6b4": [ "c699d0db-bef3-4cd0-ad23-dccc9df170bd" ], "89f441b8-3616-4516-973b-9cc115c3649a": [ "c699d0db-bef3-4cd0-ad23-dccc9df170bd" ], "31a8fc46-0a65-444d-b1a0-890f1face80c": [ "c699d0db-bef3-4cd0-ad23-dccc9df170bd" ], "3c6746bb-25c9-4c79-be53-38e14004584f": [ "c699d0db-bef3-4cd0-ad23-dccc9df170bd" ], "ccf6af8d-de0c-4140-a23e-2765b6cfb732": [ "c699d0db-bef3-4cd0-ad23-dccc9df170bd" ], "b8964e61-7ba3-4024-8586-eb0028bdb6de": [ "c699d0db-bef3-4cd0-ad23-dccc9df170bd" ], "16a189b9-9578-4bca-80cd-4590afad154b": [ "c699d0db-bef3-4cd0-ad23-dccc9df170bd" ], "b081c7bb-7f1f-4864-a004-b92b782ee075": [ "c699d0db-bef3-4cd0-ad23-dccc9df170bd" ], "5b8c45d8-1ab4-494d-b21a-e3dc350fed1b": [ "e4792b50-f767-4615-87b9-696b3b86a434" ], "2860a59b-feeb-45b7-a1a8-6d0e25b41313": [ "e4792b50-f767-4615-87b9-696b3b86a434" ], "cdefcb6e-9b72-4dbd-886e-6428e6f91e2e": [ "e4792b50-f767-4615-87b9-696b3b86a434" ], "ac39ab70-962d-46e9-871a-78fd1e14dac4": [ "e4792b50-f767-4615-87b9-696b3b86a434" ], "6a7e0a32-a799-4ecb-9d54-08509032686e": [ "e4792b50-f767-4615-87b9-696b3b86a434" ], "db3e8c8f-b165-42b5-80ca-bca3a6a3b1d3": [ "e4792b50-f767-4615-87b9-696b3b86a434" ], "15782fc7-fad1-42f5-8990-6efe7f3f916f": [ "e4792b50-f767-4615-87b9-696b3b86a434" ], "7f17a95c-8f86-4954-8043-6e858350c416": [ "e4792b50-f767-4615-87b9-696b3b86a434" ], "2ed4d8ad-99b7-49f9-aa2a-bfd1e622f6a5": [ "e4792b50-f767-4615-87b9-696b3b86a434" ], "5cdcf89e-1484-4118-b35a-f2c48f44f623": [ "e4792b50-f767-4615-87b9-696b3b86a434" ], "43c4c247-a3b7-40f1-85fd-e52718ef9c22": [ "20178995-0e80-47de-aeac-379f543ff94c" ], "96e9ab6c-a5f6-49ce-8111-dafd9da86043": [ "20178995-0e80-47de-aeac-379f543ff94c" ], "b813b6c4-599e-4844-8f61-788e254af6ed": [ "20178995-0e80-47de-aeac-379f543ff94c" ], "08e37697-3303-4f74-be2b-077c3b231f6c": [ "20178995-0e80-47de-aeac-379f543ff94c" ], "f26a500a-2ca3-4b62-b4be-d87f6a1b867f": [ "20178995-0e80-47de-aeac-379f543ff94c" ], "02849506-637c-4c2f-9190-62227e79457b": [ "20178995-0e80-47de-aeac-379f543ff94c" ], "6cd6e41c-54a2-4f26-b663-a60818bac799": [ "20178995-0e80-47de-aeac-379f543ff94c" ], "bd260bfd-5882-4e9b-8ed6-29b28ad34bbd": [ "20178995-0e80-47de-aeac-379f543ff94c" ], "96e59c9e-7dcb-4d79-baed-e59585abe116": [ "20178995-0e80-47de-aeac-379f543ff94c" ], "eb71a817-2db2-4483-9617-22b73f18f300": [ "20178995-0e80-47de-aeac-379f543ff94c" ], "0395f58b-f05f-4530-b382-841d07d3d28f": [ "b220917b-56ff-453a-9326-2bca00ba7d93" ], "14935e10-678d-4229-af29-df53f8dec301": [ "b220917b-56ff-453a-9326-2bca00ba7d93" ], "c04b430a-32f0-4a12-9e7e-a12817b0ab2f": [ "b220917b-56ff-453a-9326-2bca00ba7d93" ], "68e8b8f9-8b27-4642-88d1-9efc09978dbc": [ "b220917b-56ff-453a-9326-2bca00ba7d93" ], "622f79fb-8940-45ab-bed7-a540d227af28": [ "b220917b-56ff-453a-9326-2bca00ba7d93" ], "c93f68c7-9289-429a-a217-b6b7c444839e": [ "b220917b-56ff-453a-9326-2bca00ba7d93" ], "f1922e60-2ae0-4fe2-86ce-cd587e6b5f52": [ "b220917b-56ff-453a-9326-2bca00ba7d93" ], "b0105378-52ef-46e2-b8d3-900187699c83": [ "b220917b-56ff-453a-9326-2bca00ba7d93" ], "bbc2ae77-cd06-4dac-9e7f-0da72a6edcdf": [ "b220917b-56ff-453a-9326-2bca00ba7d93" ], "30f385c2-53c4-400f-a35a-895231e7288a": [ "b220917b-56ff-453a-9326-2bca00ba7d93" ], "cedbcb55-f8d7-4c03-92d6-87cc58a4358d": [ "1ed63d2a-d81b-4f65-8331-77565d249cc6" ], "525a2ad2-daea-4fc9-a28c-cc000d2baf12": [ "1ed63d2a-d81b-4f65-8331-77565d249cc6" ], "263cb8e4-0dc9-45c3-82a5-11782d7dc2b6": [ "1ed63d2a-d81b-4f65-8331-77565d249cc6" ], "47910c65-0574-4ed3-9c28-de87bdc625bc": [ "1ed63d2a-d81b-4f65-8331-77565d249cc6" ], "11f55def-498d-4d93-95d0-71e10d61b289": [ "1ed63d2a-d81b-4f65-8331-77565d249cc6" ], "b2315ce3-0eb9-4cd1-8dd6-f19fe932847a": [ "1ed63d2a-d81b-4f65-8331-77565d249cc6" ], "164ea2d8-1e45-4d12-851e-8320e5835a6d": [ "1ed63d2a-d81b-4f65-8331-77565d249cc6" ], "c0527e4e-b5d6-4298-b74d-8e42f68095a4": [ "1ed63d2a-d81b-4f65-8331-77565d249cc6" ], "9d40d26b-387f-40e1-9e0e-eede3da24f4f": [ "1ed63d2a-d81b-4f65-8331-77565d249cc6" ], "ac341bc5-f972-43eb-bc9d-6d894a282f68": [ "1ed63d2a-d81b-4f65-8331-77565d249cc6" ], "5ac895a9-dcc6-41e4-bdc3-0bd0ea641fbf": [ "ee514479-f9bc-4dd2-9565-a58ea9214a5c" ], "e5a0bbe7-cdeb-48a1-9668-1fd412cf1e56": [ "ee514479-f9bc-4dd2-9565-a58ea9214a5c" ], "1933964d-4bb7-4c90-bfd5-385daa2e8d97": [ "ee514479-f9bc-4dd2-9565-a58ea9214a5c" ], "39bcfeec-f726-46d1-ae8f-8aa33621829c": [ "ee514479-f9bc-4dd2-9565-a58ea9214a5c" ], "a7145297-6fcd-4f1a-9815-b8a767cd3489": [ "ee514479-f9bc-4dd2-9565-a58ea9214a5c" ], "3748d5b3-e07b-4c48-b514-5150e9447565": [ "ee514479-f9bc-4dd2-9565-a58ea9214a5c" ], "29a127f2-2850-46ea-8f90-42e948f26753": [ "ee514479-f9bc-4dd2-9565-a58ea9214a5c" ], "7ad3b48d-d17c-4ee3-9456-221bb5f4c106": [ "ee514479-f9bc-4dd2-9565-a58ea9214a5c" ], "d7894179-6857-4cf1-9efa-9d7fbf262f32": [ "ee514479-f9bc-4dd2-9565-a58ea9214a5c" ], "e7417dd6-f4fe-4cb8-952d-da83dee1a587": [ "ee514479-f9bc-4dd2-9565-a58ea9214a5c" ], "5ec482d2-d03f-43c7-9762-3e679f1da02e": [ "7c6532fd-622a-49f2-9455-9694043dedb6" ], "3eef0104-12fb-45d3-99fb-a149d79efbc4": [ "7c6532fd-622a-49f2-9455-9694043dedb6" ], "de4adb54-5798-425c-b788-8d0fd3de7476": [ "7c6532fd-622a-49f2-9455-9694043dedb6" ], "f39925aa-48db-4bdd-a0e1-1ccca1fd4226": [ "7c6532fd-622a-49f2-9455-9694043dedb6" ], "23b845fa-683b-4b81-b36e-8b500f19daee": [ "7c6532fd-622a-49f2-9455-9694043dedb6" ], "9f954191-facf-4ce2-9a88-27823c8ecd03": [ "7c6532fd-622a-49f2-9455-9694043dedb6" ], "0db2b0aa-3750-41d7-a0ca-c417867d56d8": [ "7c6532fd-622a-49f2-9455-9694043dedb6" ], "91842d93-588f-495b-83c0-c2216d8202f2": [ "7c6532fd-622a-49f2-9455-9694043dedb6" ], "8a98bf85-ed0d-41fe-9622-ab18d70e80a8": [ "7c6532fd-622a-49f2-9455-9694043dedb6" ], "e785196d-d541-4009-bdc7-65c8384e2d98": [ "7c6532fd-622a-49f2-9455-9694043dedb6" ], "2118cf13-40b0-475a-9ad8-9d08c7837231": [ "1deb588e-75b4-42f7-ac32-29503d28e552" ], "9fedc212-3dc8-4884-a3de-42b89e1d58ff": [ "1deb588e-75b4-42f7-ac32-29503d28e552" ], "8c0defa8-f737-4c64-af68-9c6f74fd2435": [ "1deb588e-75b4-42f7-ac32-29503d28e552" ], "599217a1-671a-4ec7-b462-29405ba92f4a": [ "1deb588e-75b4-42f7-ac32-29503d28e552" ], "864fbfa5-b604-448a-ba0f-d992ad8fc77f": [ "1deb588e-75b4-42f7-ac32-29503d28e552" ], "c23229fe-68dc-479c-92ef-f69dabc379ae": [ "1deb588e-75b4-42f7-ac32-29503d28e552" ], "8bf27f65-e377-4dc2-8e2c-aa233b7f1c3f": [ "1deb588e-75b4-42f7-ac32-29503d28e552" ], "fc03393a-2c3e-4530-8660-741f4dfb4574": [ "1deb588e-75b4-42f7-ac32-29503d28e552" ], "b1a446a1-0a3a-4ecd-957c-9ff3d9342585": [ "1deb588e-75b4-42f7-ac32-29503d28e552" ], "aabee003-d0be-493c-a359-e1d6c5a7fb32": [ "1deb588e-75b4-42f7-ac32-29503d28e552" ], "5e833be8-b089-400d-bf84-7c3aa0b2f8f7": [ "7a5533da-7eca-4e77-a78f-fc6a3fb1a202" ], "7e187f3c-8807-4a96-8458-d32829e1b42b": [ "7a5533da-7eca-4e77-a78f-fc6a3fb1a202" ], "f7a5d8f2-634d-49ff-901e-8a2893b5ab13": [ "7a5533da-7eca-4e77-a78f-fc6a3fb1a202" ], "3e80dcd9-ae67-46ac-9121-7fe1a31ce7a3": [ "7a5533da-7eca-4e77-a78f-fc6a3fb1a202" ], "db27dfd6-0842-4f56-9649-ffb2a3e62fe6": [ "7a5533da-7eca-4e77-a78f-fc6a3fb1a202" ], "109c70b4-6ce2-4a2d-8510-ac4a22202799": [ "7a5533da-7eca-4e77-a78f-fc6a3fb1a202" ], "1a147436-5db3-439f-8034-d1e040432001": [ "7a5533da-7eca-4e77-a78f-fc6a3fb1a202" ], "70d1526b-fbfd-460b-9bcb-dc6ac56376b2": [ "7a5533da-7eca-4e77-a78f-fc6a3fb1a202" ], "d597da73-8903-4746-af86-fff7bad722ee": [ "7a5533da-7eca-4e77-a78f-fc6a3fb1a202" ], "8c9fd0d0-71cf-44bb-b768-8ab87f895959": [ "7a5533da-7eca-4e77-a78f-fc6a3fb1a202" ], "ded3699f-6647-4980-964d-cd6f40229a58": [ "b652eeb3-71f1-4768-b67d-abf34a3a99ab" ], "40a4814f-0e2e-470e-9f82-6f1078956861": [ "b652eeb3-71f1-4768-b67d-abf34a3a99ab" ], "743a0ab0-f4fa-4780-a172-99808087972d": [ "b652eeb3-71f1-4768-b67d-abf34a3a99ab" ], "d24de6e7-4331-469d-abdf-eb0e295d7d33": [ "b652eeb3-71f1-4768-b67d-abf34a3a99ab" ], "77789637-b0f1-483b-b684-b2163797ec02": [ "b652eeb3-71f1-4768-b67d-abf34a3a99ab" ], "1eefb28f-1191-41af-a448-dda996f2e1f0": [ "b652eeb3-71f1-4768-b67d-abf34a3a99ab" ], "661e5b3e-d819-4a0e-8a2a-75957b621c54": [ "b652eeb3-71f1-4768-b67d-abf34a3a99ab" ], "a2db5484-5e71-4ea1-8276-fb717959f461": [ "b652eeb3-71f1-4768-b67d-abf34a3a99ab" ], "3a19aea7-944b-4a52-b1ab-1cb98627a2f1": [ "b652eeb3-71f1-4768-b67d-abf34a3a99ab" ], "99f6f416-c3ce-4bd7-8026-426ab6075e4e": [ "b652eeb3-71f1-4768-b67d-abf34a3a99ab" ], "0fec4381-3c11-4440-b297-6286f4f9138e": [ "917f2811-a77d-4e2c-b138-7a229db057fb" ], "60aafb95-83f0-4458-b8f7-eb960ac6fdfa": [ "917f2811-a77d-4e2c-b138-7a229db057fb" ], "4ef167fe-6366-48ee-ab32-4145eb9340a4": [ "917f2811-a77d-4e2c-b138-7a229db057fb" ], "98ea28c0-1472-4d70-94c0-0addd4b93ab3": [ "917f2811-a77d-4e2c-b138-7a229db057fb" ], "f1135dc0-e864-4569-a0e8-625bd622de4c": [ "917f2811-a77d-4e2c-b138-7a229db057fb" ], "cc38a13e-592b-4f47-9493-1f8a3afa954c": [ "917f2811-a77d-4e2c-b138-7a229db057fb" ], "1a34cfa0-af8f-41bb-8544-329b9e70de03": [ "917f2811-a77d-4e2c-b138-7a229db057fb" ], "0abdfc46-e34f-49a3-9e40-2dcd957cb49b": [ "917f2811-a77d-4e2c-b138-7a229db057fb" ], "ddd4d6d2-d9c9-4086-bf88-4ec52e2b9a14": [ "917f2811-a77d-4e2c-b138-7a229db057fb" ], "b3d4bb99-ee75-48fa-bb39-8b06db1310c9": [ "917f2811-a77d-4e2c-b138-7a229db057fb" ], "feb85ba9-c737-4cd7-9ac5-9100c66fdca8": [ "fc0a840f-38d5-48db-8658-c53a57dfa4d8" ], "fac0563e-fee5-4d4c-ac24-dcf84a27a088": [ "fc0a840f-38d5-48db-8658-c53a57dfa4d8" ], "a5af30af-982f-4008-ad09-1de3b1e36259": [ "fc0a840f-38d5-48db-8658-c53a57dfa4d8" ], "c17afcde-6bc2-4af2-bf68-36c585d2f0eb": [ "fc0a840f-38d5-48db-8658-c53a57dfa4d8" ], "f8dd200b-93c6-423d-8faa-9993db408606": [ "fc0a840f-38d5-48db-8658-c53a57dfa4d8" ], "9c5d4d00-4fda-4304-9fa8-7488a8fac0a3": [ "fc0a840f-38d5-48db-8658-c53a57dfa4d8" ], "19ab6b46-0922-4fd9-bd5f-5f572ba9a3bb": [ "fc0a840f-38d5-48db-8658-c53a57dfa4d8" ], "2db67090-1045-4093-bc59-7c9d14194268": [ "fc0a840f-38d5-48db-8658-c53a57dfa4d8" ], "b66e6bbc-f2e7-437b-a5bf-ae83ca265cba": [ "fc0a840f-38d5-48db-8658-c53a57dfa4d8" ], "358dcad1-3b01-42df-9e3b-06f02d4cbb3e": [ "fc0a840f-38d5-48db-8658-c53a57dfa4d8" ], "7d1ab8fc-dbef-4b78-bfd3-c507fc451199": [ "9a0eb575-a273-4472-8fb4-acda46d67804" ], "8008e161-24ca-42c8-bbe3-18abe81d2aa0": [ "9a0eb575-a273-4472-8fb4-acda46d67804" ], "2c874952-6363-482d-8d96-dfd39941b4ca": [ "9a0eb575-a273-4472-8fb4-acda46d67804" ], "1fde8523-ebe9-4ae3-bd13-e7464721a4d0": [ "9a0eb575-a273-4472-8fb4-acda46d67804" ], "8a59316f-5295-41ac-8969-9f79023bd4b5": [ "9a0eb575-a273-4472-8fb4-acda46d67804" ], "c9914787-d952-4393-a052-f2299661128c": [ "9a0eb575-a273-4472-8fb4-acda46d67804" ], "35909ed8-e31a-453c-9a6f-2f7361c91f0c": [ "9a0eb575-a273-4472-8fb4-acda46d67804" ], "ee84258d-5428-4d58-9487-cf9e0feb6fb0": [ "9a0eb575-a273-4472-8fb4-acda46d67804" ], "2cffde84-8382-427a-aa98-89d90533230d": [ "9a0eb575-a273-4472-8fb4-acda46d67804" ], "c1adcbc1-bfe9-4d3a-83db-c20af6c47e87": [ "9a0eb575-a273-4472-8fb4-acda46d67804" ], "c93c38ab-9a01-4dea-9a6d-42d3a69acdc0": [ "d7dfc3c2-5cbe-4a3c-ae0e-0dc1552ab0e4" ], "e2b64e7c-bc7c-470b-ab07-0dca6d4d3bda": [ "d7dfc3c2-5cbe-4a3c-ae0e-0dc1552ab0e4" ], "fb46420f-daa6-493a-808d-22f3bae597f2": [ "d7dfc3c2-5cbe-4a3c-ae0e-0dc1552ab0e4" ], "d5e53c8b-a9a1-4b28-8346-609de0ef67aa": [ "d7dfc3c2-5cbe-4a3c-ae0e-0dc1552ab0e4" ], "4d853975-11c5-4be8-8099-089c9d0dd7c4": [ "d7dfc3c2-5cbe-4a3c-ae0e-0dc1552ab0e4" ], "8ff0a4bb-6682-416d-8843-af888cacf94c": [ "d7dfc3c2-5cbe-4a3c-ae0e-0dc1552ab0e4" ], "eb4d31f8-bfa1-4ee8-a940-e86750b990fb": [ "d7dfc3c2-5cbe-4a3c-ae0e-0dc1552ab0e4" ], "ab26a245-5171-431b-8a5e-50a7c3c90248": [ "d7dfc3c2-5cbe-4a3c-ae0e-0dc1552ab0e4" ], "c0848399-0ad8-420f-a8ce-1d237b72c202": [ "d7dfc3c2-5cbe-4a3c-ae0e-0dc1552ab0e4" ], "ffc608fa-3987-445c-8ead-7c6c79ea7ae6": [ "d7dfc3c2-5cbe-4a3c-ae0e-0dc1552ab0e4" ], "05289ee9-9d24-4616-b2b7-c2882a79403b": [ "25b72427-87e5-490f-82f1-4799a3e6c072" ], "57b76e93-ad8f-427e-8d27-c1e4ddaf067c": [ "25b72427-87e5-490f-82f1-4799a3e6c072" ], "cd1a2580-22b1-42e2-9a50-ff4ef676bf33": [ "25b72427-87e5-490f-82f1-4799a3e6c072" ], "8327d647-d403-4de3-a57d-7f6b5d3fd7eb": [ "25b72427-87e5-490f-82f1-4799a3e6c072" ], "891aa6cd-8641-4338-9593-b669a5a08007": [ "25b72427-87e5-490f-82f1-4799a3e6c072" ], "f2e4619a-fe2f-404f-a94b-2d268ca00178": [ "25b72427-87e5-490f-82f1-4799a3e6c072" ], "a1d38dea-a715-4f40-8d01-6f9366663f15": [ "25b72427-87e5-490f-82f1-4799a3e6c072" ], "00800e0c-2bb8-4731-b8e9-4350d75aae0b": [ "25b72427-87e5-490f-82f1-4799a3e6c072" ], "dffbe250-4c4e-4841-a122-23ebb5bcd08f": [ "25b72427-87e5-490f-82f1-4799a3e6c072" ], "09e5350b-ffbc-4777-9f0e-c39e03674c04": [ "25b72427-87e5-490f-82f1-4799a3e6c072" ], "7c22cff8-be8a-4093-81eb-ae933467a5bd": [ "affe1216-b34f-4493-aef1-f8edd474a026" ], "90d44793-9226-445b-9f6e-83c13ec5b0fe": [ "affe1216-b34f-4493-aef1-f8edd474a026" ], "1dd169f5-5693-49c9-85c8-30b982705432": [ "affe1216-b34f-4493-aef1-f8edd474a026" ], "2945c5af-9daf-4b3e-8500-960879fe3bce": [ "affe1216-b34f-4493-aef1-f8edd474a026" ], "91004f0c-c6b8-4c0d-97a7-0333a1e75156": [ "affe1216-b34f-4493-aef1-f8edd474a026" ], "0c90d268-0034-4a28-aa0c-75e31484ad9f": [ "affe1216-b34f-4493-aef1-f8edd474a026" ], "fcd73bb5-fbb3-4997-a564-325dce0c8a9e": [ "affe1216-b34f-4493-aef1-f8edd474a026" ], "3ddc5bcd-a0f9-48a8-a886-2085a1cdba47": [ "affe1216-b34f-4493-aef1-f8edd474a026" ], "c0db494c-0378-4aa7-962a-c438f836db6f": [ "affe1216-b34f-4493-aef1-f8edd474a026" ], "5497edfd-4db5-4723-9300-ddeef49ef697": [ "affe1216-b34f-4493-aef1-f8edd474a026" ], "16c97915-aa01-41f9-94da-c19472762125": [ "707212a5-1ea6-4df3-b577-d62aeb59fa37" ], "c6307ed5-50c6-41d8-88d0-b82af0d7f740": [ "707212a5-1ea6-4df3-b577-d62aeb59fa37" ], "aac01c75-0dc6-47f4-8f2e-b335625f6773": [ "707212a5-1ea6-4df3-b577-d62aeb59fa37" ], "e0818c7e-10bd-44aa-a60b-40f48514bce9": [ "707212a5-1ea6-4df3-b577-d62aeb59fa37" ], "f55e31a7-a437-4b39-bc44-183d96e9c801": [ "707212a5-1ea6-4df3-b577-d62aeb59fa37" ], "ffb7963e-78c6-4e0e-a007-ef4dd3baa182": [ "707212a5-1ea6-4df3-b577-d62aeb59fa37" ], "c4771a4c-3b3f-4f09-8f3e-0189d32228ac": [ "707212a5-1ea6-4df3-b577-d62aeb59fa37" ], "053c96ee-df03-4ae2-93d0-d5bf85e3236b": [ "707212a5-1ea6-4df3-b577-d62aeb59fa37" ], "a8a91e14-e52c-49e3-b9a7-8e789488d80b": [ "707212a5-1ea6-4df3-b577-d62aeb59fa37" ], "9446f0cf-dcee-4059-9834-79150abb9246": [ "707212a5-1ea6-4df3-b577-d62aeb59fa37" ], "8641f148-91e3-4973-890a-9ce437cd4cb2": [ "33183ce6-b239-4d9e-b04a-b85bec41674b" ], "79237841-5b83-4100-bd4c-5fda6517ac5a": [ "33183ce6-b239-4d9e-b04a-b85bec41674b" ], "74e7fdc8-b8e1-4943-b754-7bb16e8be154": [ "33183ce6-b239-4d9e-b04a-b85bec41674b" ], "1a1397b0-15e0-4759-bd94-9ef198ae4e81": [ "33183ce6-b239-4d9e-b04a-b85bec41674b" ], "9453e642-945c-4198-9b3b-15c26c82eb54": [ "33183ce6-b239-4d9e-b04a-b85bec41674b" ], "ff49cda1-0a69-4489-8353-b225c6574ea9": [ "33183ce6-b239-4d9e-b04a-b85bec41674b" ], "1d96ab9b-0eaf-4cf5-8a45-c6e9ab0ff1ad": [ "33183ce6-b239-4d9e-b04a-b85bec41674b" ], "0510f38b-e374-4aed-8452-6dc6629c1a87": [ "33183ce6-b239-4d9e-b04a-b85bec41674b" ], "4fe25d2e-3e0c-4d72-bec5-5287b1719f26": [ "33183ce6-b239-4d9e-b04a-b85bec41674b" ], "0910ce19-2a79-46e7-925a-d1a5c03bd694": [ "33183ce6-b239-4d9e-b04a-b85bec41674b" ], "28370f6a-8a44-4849-b242-0b8da25cb6f0": [ "dc8fa80d-75ff-4d7b-898c-580798c600da" ], "0cc92b44-9091-4e7a-aa59-0ed84c77eea3": [ "dc8fa80d-75ff-4d7b-898c-580798c600da" ], "2ccc1d66-57a6-4d59-be7b-59a0aa3705a5": [ "dc8fa80d-75ff-4d7b-898c-580798c600da" ], "571419da-be04-4307-bdb1-d09486b8b6f3": [ "dc8fa80d-75ff-4d7b-898c-580798c600da" ], "6429ab97-9c89-4c0e-a21d-df7fcb240217": [ "dc8fa80d-75ff-4d7b-898c-580798c600da" ], "96647f0b-b9bd-4cee-801c-fa73abfce6e1": [ "dc8fa80d-75ff-4d7b-898c-580798c600da" ], "b355141a-332f-4e42-a713-160a9f1323f6": [ "dc8fa80d-75ff-4d7b-898c-580798c600da" ], "c1fa089f-1c4a-4b01-b2c3-206322fb774c": [ "dc8fa80d-75ff-4d7b-898c-580798c600da" ], "e32c18de-15e5-44c5-ac40-bd3c3c30e9df": [ "dc8fa80d-75ff-4d7b-898c-580798c600da" ], "fad8da08-abc7-43fd-9071-49f5e79a0ec2": [ "dc8fa80d-75ff-4d7b-898c-580798c600da" ], "6116b302-eaed-4248-a35f-34e5d97d9d05": [ "d3481d3f-1d0e-47da-9ade-d1778ae104e5" ], "6c23f39b-4708-4d88-b606-460e79c94fa1": [ "d3481d3f-1d0e-47da-9ade-d1778ae104e5" ], "8a329f16-c8c7-4967-841d-e7b6c8b09f99": [ "d3481d3f-1d0e-47da-9ade-d1778ae104e5" ], "8c042f1b-f030-4132-a612-97085eb9e5d1": [ "d3481d3f-1d0e-47da-9ade-d1778ae104e5" ], "eaf3577f-7b10-4a0d-9a85-91c50da407df": [ "d3481d3f-1d0e-47da-9ade-d1778ae104e5" ], "721b43f6-4a60-43ff-9bde-5dca9b93d1be": [ "d3481d3f-1d0e-47da-9ade-d1778ae104e5" ], "c2232e39-5d1f-4612-b044-e17c29c7a281": [ "d3481d3f-1d0e-47da-9ade-d1778ae104e5" ], "16965f91-7d2f-426d-9a74-b49a4c92142a": [ "d3481d3f-1d0e-47da-9ade-d1778ae104e5" ], "441a65d3-872c-4950-8d8b-eac8bdf5b5fb": [ "d3481d3f-1d0e-47da-9ade-d1778ae104e5" ], "93f9f448-4323-4057-b36b-5e205bfdfefd": [ "d3481d3f-1d0e-47da-9ade-d1778ae104e5" ], "67d3f65f-a6db-4eec-8e85-486232dae19c": [ "492058d1-928d-4878-b4a1-277f43ba3086" ], "0eafa1e6-7bb5-4fc1-96d3-7fad04d97a03": [ "492058d1-928d-4878-b4a1-277f43ba3086" ], "b3cabbe9-13e6-4071-8630-a9098b56caee": [ "492058d1-928d-4878-b4a1-277f43ba3086" ], "7c85fb2b-bd28-4e07-a64d-e3b98a7972fe": [ "492058d1-928d-4878-b4a1-277f43ba3086" ], "3d5df1c6-f80e-44b2-ba26-70710fb3e7e4": [ "492058d1-928d-4878-b4a1-277f43ba3086" ], "4261cf18-4c16-4b55-b1ad-55d337c4a7fe": [ "492058d1-928d-4878-b4a1-277f43ba3086" ], "d4705cb2-92bc-4164-a0a2-04c581632c19": [ "492058d1-928d-4878-b4a1-277f43ba3086" ], "243b2839-523c-4e2f-a208-5378c47be522": [ "492058d1-928d-4878-b4a1-277f43ba3086" ], "072ac697-9ba1-4781-9765-c8e8f1e74421": [ "492058d1-928d-4878-b4a1-277f43ba3086" ], "b78dc051-1e29-43f0-818e-f29b6ca00ee5": [ "492058d1-928d-4878-b4a1-277f43ba3086" ], "cc4012f2-6177-4ed4-85f7-7442b5cb7f23": [ "ce0d303a-b7fd-446d-8398-773561d247d0" ], "101bb231-e57c-45a3-bf23-ea6e363f841d": [ "ce0d303a-b7fd-446d-8398-773561d247d0" ], "be38244d-50fd-446b-b899-a6ba35529487": [ "ce0d303a-b7fd-446d-8398-773561d247d0" ], "592e4637-724c-42a4-9cde-c3069b926bde": [ "ce0d303a-b7fd-446d-8398-773561d247d0" ], "f911c8bc-4cb7-4491-a2e1-5491b53e9053": [ "ce0d303a-b7fd-446d-8398-773561d247d0" ], "3349e26c-c92b-4509-8f54-385377f0eb7b": [ "ce0d303a-b7fd-446d-8398-773561d247d0" ], "3cece595-9819-4fc0-94a2-92055b017a51": [ "ce0d303a-b7fd-446d-8398-773561d247d0" ], "faf2b8ff-a37e-4d6e-92a4-8d1128ac862f": [ "ce0d303a-b7fd-446d-8398-773561d247d0" ], "dc5651cc-17dd-4e04-8e75-6c93bd84101d": [ "ce0d303a-b7fd-446d-8398-773561d247d0" ], "06b270f0-572b-4d69-958e-635529caa2ae": [ "ce0d303a-b7fd-446d-8398-773561d247d0" ], "4fecb15c-51e3-4110-bc66-ac17ff159065": [ "8e24ecc4-b628-430e-b558-a7af8bc4bf4f" ], "971e0488-277f-4c0c-ab09-ab8cc59786fa": [ "8e24ecc4-b628-430e-b558-a7af8bc4bf4f" ], "812d7641-cc97-475b-921f-4abe588654c1": [ "8e24ecc4-b628-430e-b558-a7af8bc4bf4f" ], "5c4fa141-9bad-4459-a6bb-1517c6787b36": [ "8e24ecc4-b628-430e-b558-a7af8bc4bf4f" ], "58e27b24-0f47-4a16-ae31-7cf8944e756e": [ "8e24ecc4-b628-430e-b558-a7af8bc4bf4f" ], "89e0df52-a250-4672-80d0-4b70fb6343ce": [ "8e24ecc4-b628-430e-b558-a7af8bc4bf4f" ], "542444ec-43f7-4d43-873a-d21a1f9c052b": [ "8e24ecc4-b628-430e-b558-a7af8bc4bf4f" ], "abf6429a-88bc-4b94-b4f8-12204defadcc": [ "8e24ecc4-b628-430e-b558-a7af8bc4bf4f" ], "944571b8-4c60-47f2-8a3c-f133f79ddeb3": [ "8e24ecc4-b628-430e-b558-a7af8bc4bf4f" ], "fdefd122-9f45-4982-93a3-d9225a0475f9": [ "8e24ecc4-b628-430e-b558-a7af8bc4bf4f" ], "8be3e49a-f771-4c50-a372-82ddb859081c": [ "c665a444-d7f3-48f6-9fa3-35a9d51eb394" ], "6eeb9495-33a0-41f5-82b4-69a3991b2550": [ "c665a444-d7f3-48f6-9fa3-35a9d51eb394" ], "f67aabd9-3090-4d5f-9a10-ec166c7c45ff": [ "c665a444-d7f3-48f6-9fa3-35a9d51eb394" ], "d6483426-268d-4ba4-8290-dd741db8604d": [ "c665a444-d7f3-48f6-9fa3-35a9d51eb394" ], "7446c206-be33-44ab-bc10-4e3c4220f2ce": [ "c665a444-d7f3-48f6-9fa3-35a9d51eb394" ], "8e6dcaf5-954c-4a9f-b044-db0c0cb9b3db": [ "c665a444-d7f3-48f6-9fa3-35a9d51eb394" ], "066e2928-a9e2-45e3-a390-7b974a283ce9": [ "c665a444-d7f3-48f6-9fa3-35a9d51eb394" ], "c783eb30-b646-4369-85e4-f4f149e29cb9": [ "c665a444-d7f3-48f6-9fa3-35a9d51eb394" ], "0a97ddf8-d00c-4912-bbb2-cac239f383be": [ "c665a444-d7f3-48f6-9fa3-35a9d51eb394" ], "32f20a18-9a24-4dce-ab43-5f607902decd": [ "c665a444-d7f3-48f6-9fa3-35a9d51eb394" ], "8b136644-a251-4c8e-8857-1c771a642658": [ "e07fc6c1-1711-4af5-84e2-644ea9292d54" ], "3885adf9-56cc-42c3-a610-adf9b8571c1f": [ "e07fc6c1-1711-4af5-84e2-644ea9292d54" ], "12b12311-0a01-45f2-91e7-4b3d38061556": [ "e07fc6c1-1711-4af5-84e2-644ea9292d54" ], "2987a72f-bb6a-4c73-90b7-871629409318": [ "e07fc6c1-1711-4af5-84e2-644ea9292d54" ], "2fad5f99-71b4-4f72-b53a-c1c648e201b5": [ "e07fc6c1-1711-4af5-84e2-644ea9292d54" ], "737ea13f-12ac-4c58-b5f3-4186c203c66c": [ "e07fc6c1-1711-4af5-84e2-644ea9292d54" ], "9a6ca1d4-8ad3-49c8-ae72-c22b8cb33cf6": [ "e07fc6c1-1711-4af5-84e2-644ea9292d54" ], "09650703-4c9d-431d-8b23-f4cb1daafb04": [ "e07fc6c1-1711-4af5-84e2-644ea9292d54" ], "1e69a12e-9210-4f9d-b775-a638085e6b6b": [ "e07fc6c1-1711-4af5-84e2-644ea9292d54" ], "9e34af94-527b-43d5-9922-6833a52c2b76": [ "e07fc6c1-1711-4af5-84e2-644ea9292d54" ], "ba4a50d9-3efc-4b8a-944c-3b8b1a5c0efd": [ "7f6786f8-17c1-4494-84d6-fa7ecab79c0b" ], "0dfcc899-6113-48d9-9ae7-4c05b1dbfb7d": [ "7f6786f8-17c1-4494-84d6-fa7ecab79c0b" ], "d4bc2b18-cbf1-4363-819e-a9dd8799e6b3": [ "7f6786f8-17c1-4494-84d6-fa7ecab79c0b" ], "3304709d-fbe9-4cb6-a3df-2c3b13872b0a": [ "7f6786f8-17c1-4494-84d6-fa7ecab79c0b" ], "1019a97f-1365-4cdd-a9da-d30bed6ac449": [ "7f6786f8-17c1-4494-84d6-fa7ecab79c0b" ], "3fb02c9f-2d9b-4694-bbaa-352b01681564": [ "7f6786f8-17c1-4494-84d6-fa7ecab79c0b" ], "9b88137e-71d3-4d69-bf87-3a747eb34f14": [ "7f6786f8-17c1-4494-84d6-fa7ecab79c0b" ], "05e563c1-2a6b-466e-a36f-b0371e5a6235": [ "7f6786f8-17c1-4494-84d6-fa7ecab79c0b" ], "53a32533-6fba-4139-82bb-632aa2785a14": [ "7f6786f8-17c1-4494-84d6-fa7ecab79c0b" ], "efedceb6-600c-4e67-b406-e1e101e8c899": [ "7f6786f8-17c1-4494-84d6-fa7ecab79c0b" ], "9372f29e-104c-464c-b25d-fce87967dd31": [ "3c67e8af-eabb-407b-91de-2fbf1029939a" ], "0ea64564-09bf-4cce-9199-c0f447aa500a": [ "3c67e8af-eabb-407b-91de-2fbf1029939a" ], "fcdf1346-a8b8-4609-b22b-c58fd88a76d7": [ "3c67e8af-eabb-407b-91de-2fbf1029939a" ], "3d818c46-02c0-42d6-972a-153ddd35baf0": [ "3c67e8af-eabb-407b-91de-2fbf1029939a" ], "9ac13f33-94ab-4f47-933a-7f481a9235ee": [ "3c67e8af-eabb-407b-91de-2fbf1029939a" ], "148c2501-f54c-4e77-8173-a0a0ba6bcb6d": [ "3c67e8af-eabb-407b-91de-2fbf1029939a" ], "84f8872b-fd64-49e2-a258-b09108fc5bfb": [ "3c67e8af-eabb-407b-91de-2fbf1029939a" ], "9323f26f-049a-40f1-a96c-100deb7a6b4d": [ "3c67e8af-eabb-407b-91de-2fbf1029939a" ], "6e5867f8-e864-4fa8-876e-239b1dae6c08": [ "3c67e8af-eabb-407b-91de-2fbf1029939a" ], "91ec3748-311f-4c7d-9ae9-8d2a4183e340": [ "3c67e8af-eabb-407b-91de-2fbf1029939a" ], "2e98c1f5-67c2-4c59-9d9a-24348e6d4ecb": [ "93310ec5-7290-4a55-96ca-cd72f5011824" ], "b797efa1-210b-43d1-906c-3ede1dd9e538": [ "93310ec5-7290-4a55-96ca-cd72f5011824" ], "eed686fc-06c1-4b6a-979b-dda5336c3372": [ "93310ec5-7290-4a55-96ca-cd72f5011824" ], "7ffe6cdb-2d87-4be4-a15a-b9b7b407d539": [ "93310ec5-7290-4a55-96ca-cd72f5011824" ], "22fdf9ee-78fe-4dac-a1f5-41b5f903847b": [ "93310ec5-7290-4a55-96ca-cd72f5011824" ], "180e5c1c-fbc9-46c3-a92f-d3bc08da0768": [ "93310ec5-7290-4a55-96ca-cd72f5011824" ], "bf5ddc2d-9e5e-4632-a992-5523c0eebff5": [ "93310ec5-7290-4a55-96ca-cd72f5011824" ], "2c7af79a-ce83-4373-9cff-879ea039e5d9": [ "93310ec5-7290-4a55-96ca-cd72f5011824" ], "9a2710f0-ae6a-4abe-9b90-1ec8b2d8a5bc": [ "93310ec5-7290-4a55-96ca-cd72f5011824" ], "c08fddbf-2661-45fa-b1bb-a7fa1d274681": [ "93310ec5-7290-4a55-96ca-cd72f5011824" ], "965154aa-18de-4123-9b06-d12cf0adba1c": [ "b13bb8b8-9196-4717-ae10-4497e9818064" ], "f9e07ec7-725b-44df-8672-cf97887bf134": [ "b13bb8b8-9196-4717-ae10-4497e9818064" ], "73121814-63f6-4f19-a02a-fe6cfb3d2469": [ "b13bb8b8-9196-4717-ae10-4497e9818064" ], "2f96b62d-4ff2-4c15-a12e-9f40e103e559": [ "b13bb8b8-9196-4717-ae10-4497e9818064" ], "ec60a833-1d8e-4874-b43b-0dcaf3ffb87a": [ "b13bb8b8-9196-4717-ae10-4497e9818064" ], "9d7158a4-eab3-4cba-a2bf-4095f21baeec": [ "b13bb8b8-9196-4717-ae10-4497e9818064" ], "792fee7c-5115-4ec3-8d12-fa3c5afcdf44": [ "b13bb8b8-9196-4717-ae10-4497e9818064" ], "e7ebc9f4-85a8-4e38-a401-38784d2aa296": [ "b13bb8b8-9196-4717-ae10-4497e9818064" ], "a7d7c354-8111-4dd3-a435-a4eb06b7fe39": [ "b13bb8b8-9196-4717-ae10-4497e9818064" ], "da3e53b4-f1de-462b-98d3-aa51a8aefa35": [ "b13bb8b8-9196-4717-ae10-4497e9818064" ], "0ba96788-f22a-45c8-91d0-a692b5a10c5b": [ "705486a4-f987-47fe-9e23-34a1c991f826" ], "605018bd-84ff-4e35-9cbf-3a531bea8edd": [ "705486a4-f987-47fe-9e23-34a1c991f826" ], "327e864b-11c1-4fea-983c-dc3fbe2e73c7": [ "705486a4-f987-47fe-9e23-34a1c991f826" ], "a5521c45-1425-42d3-838d-456ea09340b6": [ "705486a4-f987-47fe-9e23-34a1c991f826" ], "f459f559-54ca-4281-9f93-0c394812e81c": [ "705486a4-f987-47fe-9e23-34a1c991f826" ], "1cd36865-da07-41bd-a143-93d2fcd2d428": [ "705486a4-f987-47fe-9e23-34a1c991f826" ], "ae63641c-06a1-4e87-8286-aef1b5411f54": [ "705486a4-f987-47fe-9e23-34a1c991f826" ], "b9ca0531-c651-4aa3-a646-a98bde3931d7": [ "705486a4-f987-47fe-9e23-34a1c991f826" ], "604c706b-da2a-4a05-a976-f9dab2aafc94": [ "705486a4-f987-47fe-9e23-34a1c991f826" ], "ed81c345-b881-49ed-a37e-15f8ce78727e": [ "705486a4-f987-47fe-9e23-34a1c991f826" ], "ae2afc92-ee77-47fe-8e14-d9cfe8b3bdf9": [ "c8afde0d-3142-427a-831d-ce58ca6f2f33" ], "9e1182b8-d0be-4d2d-adb2-49f8447aa5f1": [ "c8afde0d-3142-427a-831d-ce58ca6f2f33" ], "f8ca50f0-f0af-431f-b967-020446543151": [ "c8afde0d-3142-427a-831d-ce58ca6f2f33" ], "c13c4ef8-9dcd-453c-bc7d-caedd7e7546d": [ "c8afde0d-3142-427a-831d-ce58ca6f2f33" ], "e6e92071-2ce9-4e70-8f24-8db5348a79d9": [ "c8afde0d-3142-427a-831d-ce58ca6f2f33" ], "47cfd342-acb4-407f-b1cc-5700b1e104f6": [ "c8afde0d-3142-427a-831d-ce58ca6f2f33" ], "0416d6e0-15d5-42e5-a434-e75a6d0e4a66": [ "c8afde0d-3142-427a-831d-ce58ca6f2f33" ], "34da35f6-2183-4e8f-ae39-ae92a9db9a21": [ "c8afde0d-3142-427a-831d-ce58ca6f2f33" ], "587c0a61-ca02-4dd0-b10a-a67e12440c1e": [ "c8afde0d-3142-427a-831d-ce58ca6f2f33" ], "e4083824-aa5f-4e11-bd0d-9e389b32f7ed": [ "c8afde0d-3142-427a-831d-ce58ca6f2f33" ], "15988372-f52c-46d6-94d8-9442dde8ca65": [ "0429eaf0-308a-4060-b57f-5fa662026694" ], "5232200f-9e7f-4b81-b0bc-be833569867c": [ "0429eaf0-308a-4060-b57f-5fa662026694" ], "c5b1fd1b-b7cf-476e-88a8-4d1da8c22ec6": [ "0429eaf0-308a-4060-b57f-5fa662026694" ], "c605bdb5-1046-4ea4-b4cc-72e6bf7927fc": [ "0429eaf0-308a-4060-b57f-5fa662026694" ], "3a764b23-79e5-4a09-befe-ec6f5a3aa57d": [ "0429eaf0-308a-4060-b57f-5fa662026694" ], "a81cef83-9ec1-4a3f-8f97-7ab6de1f9256": [ "0429eaf0-308a-4060-b57f-5fa662026694" ], "58012d78-bdd8-4f99-bb46-1cd9ce464217": [ "0429eaf0-308a-4060-b57f-5fa662026694" ], "60881ba7-3d2c-41c0-8505-257f0730eff8": [ "0429eaf0-308a-4060-b57f-5fa662026694" ], "876f6567-8221-4ff0-913a-3258db419e77": [ "0429eaf0-308a-4060-b57f-5fa662026694" ], "7c717a82-fa49-4b3b-ab06-1d3ec9ddf0cf": [ "0429eaf0-308a-4060-b57f-5fa662026694" ], "e7147999-3d7a-47df-b881-85c1e1c30dd3": [ "8bb51278-e19c-495d-a78e-c5c09c44e60c" ], "1b3bd152-d09e-401b-bf89-c582e9d17a13": [ "8bb51278-e19c-495d-a78e-c5c09c44e60c" ], "c7bd8486-e4f4-4802-ba51-ee769b928996": [ "8bb51278-e19c-495d-a78e-c5c09c44e60c" ], "11018650-aa24-449e-a750-cdd99643f6dc": [ "8bb51278-e19c-495d-a78e-c5c09c44e60c" ], "a572d747-e5e0-4548-a83d-ffea6b2592c2": [ "8bb51278-e19c-495d-a78e-c5c09c44e60c" ], "b50701a9-e382-419d-81e4-870e253e0e48": [ "8bb51278-e19c-495d-a78e-c5c09c44e60c" ], "9fabff83-5550-43ac-8c86-08e431600cba": [ "8bb51278-e19c-495d-a78e-c5c09c44e60c" ], "de765d28-55c9-4838-8d14-b6d3b73c440c": [ "8bb51278-e19c-495d-a78e-c5c09c44e60c" ], "be0b26f6-cfd2-4202-9c32-3f55dda037ae": [ "8bb51278-e19c-495d-a78e-c5c09c44e60c" ], "3e102da7-e80c-4293-90f4-5eb47b37a661": [ "8bb51278-e19c-495d-a78e-c5c09c44e60c" ], "642e6ee9-48d1-4c1f-a0d4-8000cc86cea1": [ "51527da0-0c70-4621-b614-73b99784931a" ], "dfac64e5-cf41-4591-97ba-b100defaa772": [ "51527da0-0c70-4621-b614-73b99784931a" ], "6932854a-f0dd-448e-9ad8-6ce5d16aa690": [ "51527da0-0c70-4621-b614-73b99784931a" ], "1e494fd2-d58e-48b7-a78e-22ea5bf0cbbe": [ "51527da0-0c70-4621-b614-73b99784931a" ], "dd1510d7-39f8-4d23-9868-1976f76c3bf2": [ "51527da0-0c70-4621-b614-73b99784931a" ], "4f692d0f-859b-44b9-bc75-78d54ec5f21f": [ "51527da0-0c70-4621-b614-73b99784931a" ], "e385462e-9345-4ccc-abc9-cd5a127f0405": [ "51527da0-0c70-4621-b614-73b99784931a" ], "6ddc31ef-91fa-447a-b0f1-48e88c098142": [ "51527da0-0c70-4621-b614-73b99784931a" ], "1e53246b-0560-4dfc-bd4f-e49d3921f114": [ "51527da0-0c70-4621-b614-73b99784931a" ], "848b1c69-f84b-4ab8-ada5-8f0e7da8286b": [ "51527da0-0c70-4621-b614-73b99784931a" ], "d7be4db5-b025-48fa-b729-7b332d0239f2": [ "4bfc98c4-f0ed-42cd-8ae2-4bed6ebff528" ], "a1604227-b543-4a20-8b51-572b767a96b5": [ "4bfc98c4-f0ed-42cd-8ae2-4bed6ebff528" ], "8975b1b8-1c5d-49f9-884f-128f8062baad": [ "4bfc98c4-f0ed-42cd-8ae2-4bed6ebff528" ], "72c23d5a-2e35-48de-bf5c-cd82f197d86b": [ "4bfc98c4-f0ed-42cd-8ae2-4bed6ebff528" ], "3ebda204-8b6a-437e-b297-5b57a19274f0": [ "4bfc98c4-f0ed-42cd-8ae2-4bed6ebff528" ], "22c67669-98eb-41b5-bbf8-c015ea4081c6": [ "4bfc98c4-f0ed-42cd-8ae2-4bed6ebff528" ], "6a5bd710-0859-40e2-bd5a-a8f1475c32ee": [ "4bfc98c4-f0ed-42cd-8ae2-4bed6ebff528" ], "60090aa8-d3fd-4bae-bd42-2c6701c02967": [ "4bfc98c4-f0ed-42cd-8ae2-4bed6ebff528" ], "f57f7f5b-2274-456b-bca0-30c5ffeecc70": [ "4bfc98c4-f0ed-42cd-8ae2-4bed6ebff528" ], "d010634b-81e1-428d-b5e5-dadf85b07da1": [ "4bfc98c4-f0ed-42cd-8ae2-4bed6ebff528" ], "afb01f60-ab36-40bc-91bb-b6184460121d": [ "5b85f6f6-f780-4d89-a7f4-86bd83b38e73" ], "5fc1e583-e92c-47f1-9cb0-4a2a0307ed06": [ "5b85f6f6-f780-4d89-a7f4-86bd83b38e73" ], "40172566-1ce9-4d65-b049-6d468705e0c3": [ "5b85f6f6-f780-4d89-a7f4-86bd83b38e73" ], "a3cb0fe9-0eba-4cc2-ac73-ac96e898b997": [ "5b85f6f6-f780-4d89-a7f4-86bd83b38e73" ], "7f773a1c-8b80-4c56-9178-e47e92484a4a": [ "5b85f6f6-f780-4d89-a7f4-86bd83b38e73" ], "4f743312-e23a-441f-ad15-e5df78122ed6": [ "5b85f6f6-f780-4d89-a7f4-86bd83b38e73" ], "6a191b77-2904-46f3-8664-3d4978de2059": [ "5b85f6f6-f780-4d89-a7f4-86bd83b38e73" ], "032e58d7-3dd5-4e55-bb1e-247857aecd0b": [ "5b85f6f6-f780-4d89-a7f4-86bd83b38e73" ], "c800ccbe-ef33-49a3-9395-ca503b275e0f": [ "5b85f6f6-f780-4d89-a7f4-86bd83b38e73" ], "e23dd1d2-ad0a-40b2-bd95-dd4a83175496": [ "5b85f6f6-f780-4d89-a7f4-86bd83b38e73" ], "5ddd39fa-1291-4667-a1dc-ab9b5a3994da": [ "115a6c14-ae92-48ed-a710-160e6176d8ba" ], "4f973023-02fb-457b-9fcf-b85c6c34a4bc": [ "115a6c14-ae92-48ed-a710-160e6176d8ba" ], "baa4a951-fa52-45f8-995d-6beb83aadf03": [ "115a6c14-ae92-48ed-a710-160e6176d8ba" ], "3cff1ba2-a688-498f-8532-2b4a468b80f5": [ "115a6c14-ae92-48ed-a710-160e6176d8ba" ], "a5933a2f-cf1c-4f76-95b0-4989b21a41ce": [ "115a6c14-ae92-48ed-a710-160e6176d8ba" ], "fb92db0e-e1e2-477f-b587-3d69efa41c33": [ "115a6c14-ae92-48ed-a710-160e6176d8ba" ], "f8347479-74d8-4ef6-bc5c-0ba1768c8b86": [ "115a6c14-ae92-48ed-a710-160e6176d8ba" ], "a2d43cf1-85b6-42a2-ae01-ab6af9f18a1a": [ "115a6c14-ae92-48ed-a710-160e6176d8ba" ], "5a0a046a-38c4-4405-a22b-b16a8a7a0c65": [ "115a6c14-ae92-48ed-a710-160e6176d8ba" ], "c272975d-ba98-4218-85bc-587f55c3b409": [ "115a6c14-ae92-48ed-a710-160e6176d8ba" ], "854beb07-c097-459a-9e60-dbc115877c03": [ "89439a42-9dd7-4ca7-a4d8-c4103599039e" ], "d17d6629-e076-46c5-9acd-f99d1aaed282": [ "89439a42-9dd7-4ca7-a4d8-c4103599039e" ], "c6f335bc-c750-4163-a815-2c044538add5": [ "89439a42-9dd7-4ca7-a4d8-c4103599039e" ], "0d90d7ec-fe8f-44d0-9062-92598c040e31": [ "89439a42-9dd7-4ca7-a4d8-c4103599039e" ], "04a5c5c1-cdd6-4188-88c3-29deae6fdfac": [ "89439a42-9dd7-4ca7-a4d8-c4103599039e" ], "73a7686b-1c79-4485-9243-48fb574391e5": [ "89439a42-9dd7-4ca7-a4d8-c4103599039e" ], "c02d678d-6fe8-41b6-9e86-0bc0c13c9df5": [ "89439a42-9dd7-4ca7-a4d8-c4103599039e" ], "32fbb743-2784-4e74-8923-0bfa41c761cb": [ "89439a42-9dd7-4ca7-a4d8-c4103599039e" ], "51b0c3a6-9376-4dfa-a35c-c0b544124391": [ "89439a42-9dd7-4ca7-a4d8-c4103599039e" ], "867f6e10-4821-4b48-af9e-1bf362a021aa": [ "89439a42-9dd7-4ca7-a4d8-c4103599039e" ], "3259de6c-4d1e-4b37-8681-8b11701f254c": [ "6060c125-519e-4b52-aa4b-21f7224a0cc1" ], "c9a1eabd-0f00-4d6d-9fed-02ca932fb54f": [ "6060c125-519e-4b52-aa4b-21f7224a0cc1" ], "009a43bf-56d5-459b-8f08-256121389566": [ "6060c125-519e-4b52-aa4b-21f7224a0cc1" ], "913afba2-90a8-4045-be8e-3282a4a7fb38": [ "6060c125-519e-4b52-aa4b-21f7224a0cc1" ], "38c3b636-2656-40a2-8322-0597511dd3bb": [ "6060c125-519e-4b52-aa4b-21f7224a0cc1" ], "e0748c37-aabf-4777-80d4-ee3e10e37a56": [ "6060c125-519e-4b52-aa4b-21f7224a0cc1" ], "af2d43cc-6243-4eb5-87e1-2408abd1f947": [ "6060c125-519e-4b52-aa4b-21f7224a0cc1" ], "6eea21ad-2083-45bc-bdad-1b9fa7d5e9e5": [ "6060c125-519e-4b52-aa4b-21f7224a0cc1" ], "b40445a8-91ec-426a-86b3-284043865677": [ "6060c125-519e-4b52-aa4b-21f7224a0cc1" ], "f4cd885f-9edd-45e5-8769-2db9896b6b88": [ "6060c125-519e-4b52-aa4b-21f7224a0cc1" ], "52e39f17-fcf2-43b8-942f-6edb2aea92dc": [ "73828747-74b1-4a54-8703-3cf7531d2c2f" ], "afdccfaf-e275-4e28-b012-443021699731": [ "73828747-74b1-4a54-8703-3cf7531d2c2f" ], "9cf5c417-929e-4f35-a0ec-aa696796f7fb": [ "73828747-74b1-4a54-8703-3cf7531d2c2f" ], "b1432e76-983f-4a5a-9845-ffc5024c4d11": [ "73828747-74b1-4a54-8703-3cf7531d2c2f" ], "64648d72-8ae4-4203-90ec-f92b83494d54": [ "73828747-74b1-4a54-8703-3cf7531d2c2f" ], "941333ba-3bd4-4dae-bb61-b9949553bc31": [ "73828747-74b1-4a54-8703-3cf7531d2c2f" ], "51b71809-29d5-462e-b4e7-ef0c4f07642a": [ "73828747-74b1-4a54-8703-3cf7531d2c2f" ], "5f478674-ea7c-4d6a-8d17-11307217838c": [ "73828747-74b1-4a54-8703-3cf7531d2c2f" ], "16f2dd96-ba35-4e51-8ef3-f1e96ff50735": [ "73828747-74b1-4a54-8703-3cf7531d2c2f" ], "0fdd353c-9c0f-4f45-9fe0-8cf5fefe15bb": [ "73828747-74b1-4a54-8703-3cf7531d2c2f" ], "a62cd426-6a10-40db-b1a9-05189d072a9e": [ "de8e6154-d0a3-4983-a540-4adfcafe8292" ], "5048f8ab-1c8d-4ec6-93b1-fc25630ef1f1": [ "de8e6154-d0a3-4983-a540-4adfcafe8292" ], "e7f18f0e-cc92-43ce-a784-28479a90edcc": [ "de8e6154-d0a3-4983-a540-4adfcafe8292" ], "ce53292b-ea12-460b-9392-3e0275759d4e": [ "de8e6154-d0a3-4983-a540-4adfcafe8292" ], "1e783461-5a54-4de7-82d3-94eaf9ab891a": [ "de8e6154-d0a3-4983-a540-4adfcafe8292" ], "89b0673d-ed12-47df-b367-a8da4eb16e42": [ "de8e6154-d0a3-4983-a540-4adfcafe8292" ], "bd326c28-ebd5-47a9-88a3-fd01abaa0220": [ "de8e6154-d0a3-4983-a540-4adfcafe8292" ], "1e2def94-cb2d-45f6-85d6-e25799f57834": [ "de8e6154-d0a3-4983-a540-4adfcafe8292" ], "00d0e8b1-1f7d-4ae8-8e6f-279573a61325": [ "de8e6154-d0a3-4983-a540-4adfcafe8292" ], "53a76c45-aee3-4955-8ad3-f030767c5652": [ "de8e6154-d0a3-4983-a540-4adfcafe8292" ], "d5a61d16-2c2f-4b69-952c-b99659ce3adb": [ "2f6f26d3-6cbf-4fe2-82df-55fcc5641990" ], "24061655-6294-43e1-ab8c-4bc0323d3410": [ "2f6f26d3-6cbf-4fe2-82df-55fcc5641990" ], "0959223d-02d0-4c2b-ae86-2212e5396ba1": [ "2f6f26d3-6cbf-4fe2-82df-55fcc5641990" ], "56d7ed9e-12c0-4e13-b700-5d3721531bca": [ "2f6f26d3-6cbf-4fe2-82df-55fcc5641990" ], "009f2b72-099a-40ab-9bd8-db608d5b3425": [ "2f6f26d3-6cbf-4fe2-82df-55fcc5641990" ], "1c5e2616-fb97-4f59-af4f-7f8830e457b2": [ "2f6f26d3-6cbf-4fe2-82df-55fcc5641990" ], "fa0e2571-6618-4d68-83b0-b124f1243795": [ "2f6f26d3-6cbf-4fe2-82df-55fcc5641990" ], "7cea461b-c35d-4f19-8503-076df51232e6": [ "2f6f26d3-6cbf-4fe2-82df-55fcc5641990" ], "7021213e-30c9-4b27-8de5-ae87f88aa272": [ "2f6f26d3-6cbf-4fe2-82df-55fcc5641990" ], "22faacde-9f22-4428-a0db-37b4ed80c7bf": [ "2f6f26d3-6cbf-4fe2-82df-55fcc5641990" ], "4d628750-0778-4b1d-bf6f-2d2e9ac8c467": [ "41ae55c6-5b6c-44f1-804d-5467bbe6205f" ], "56399b02-ce58-4650-9583-cba35a8704f6": [ "41ae55c6-5b6c-44f1-804d-5467bbe6205f" ], "fdc4b5f6-1562-4b78-8f39-cfd279b4b26a": [ "41ae55c6-5b6c-44f1-804d-5467bbe6205f" ], "f6e4882f-4701-4e43-a700-1b9e054edf4d": [ "41ae55c6-5b6c-44f1-804d-5467bbe6205f" ], "9cd4ad2a-663d-481c-8722-519925652232": [ "41ae55c6-5b6c-44f1-804d-5467bbe6205f" ], "3e99f8f0-ffee-423e-97e6-b845d8ad8d43": [ "41ae55c6-5b6c-44f1-804d-5467bbe6205f" ], "b50ca1b4-db5e-4c51-812b-18ca64f430f2": [ "41ae55c6-5b6c-44f1-804d-5467bbe6205f" ], "2d900322-2166-4de3-afb2-04c19ef12689": [ "41ae55c6-5b6c-44f1-804d-5467bbe6205f" ], "272cfed2-96f0-4b2b-87c4-03697c13a362": [ "41ae55c6-5b6c-44f1-804d-5467bbe6205f" ], "97cacb90-ee19-4c19-89fe-83477764ea6d": [ "41ae55c6-5b6c-44f1-804d-5467bbe6205f" ], "56d71474-b235-4a11-9001-e4fd8e5f3f72": [ "5a674bab-a415-44c2-ba12-6a94687d2aa3" ], "359c3e1a-1d2c-446e-a569-c8f0a72975fd": [ "5a674bab-a415-44c2-ba12-6a94687d2aa3" ], "2d6ba002-3db4-42f1-b8ea-60fc78c1bcdd": [ "5a674bab-a415-44c2-ba12-6a94687d2aa3" ], "9391d8ed-fe49-4b1a-bded-d2436908bd34": [ "5a674bab-a415-44c2-ba12-6a94687d2aa3" ], "ce991835-47d7-46af-a0bb-0dbaf710ac2a": [ "5a674bab-a415-44c2-ba12-6a94687d2aa3" ], "c4702109-f660-45a9-bf56-f6c1dd5ebe30": [ "5a674bab-a415-44c2-ba12-6a94687d2aa3" ], "d3731593-cc77-4093-a506-a0feb5e3d7db": [ "5a674bab-a415-44c2-ba12-6a94687d2aa3" ], "167161b5-407e-49a6-8c0a-5c9c0cff4a92": [ "5a674bab-a415-44c2-ba12-6a94687d2aa3" ], "aaea70b8-de9b-4996-9399-53358d98d619": [ "5a674bab-a415-44c2-ba12-6a94687d2aa3" ], "ad06018a-484a-4f11-bfd8-72cd4bf59478": [ "5a674bab-a415-44c2-ba12-6a94687d2aa3" ], "06efaa6e-aa25-4cb4-a6ed-fb1d7ecbbdbd": [ "ab8be52e-f809-4544-a11b-8774ada77ea3" ], "9ce13c06-a5bb-4c21-a534-0df995dfca38": [ "ab8be52e-f809-4544-a11b-8774ada77ea3" ], "a2af9d08-43bb-48e7-ae11-3c189426439a": [ "ab8be52e-f809-4544-a11b-8774ada77ea3" ], "cc3e2c3d-3135-40e1-9028-71cfb16fe1a9": [ "ab8be52e-f809-4544-a11b-8774ada77ea3" ], "69a070c1-a258-47e7-8dcb-12f7ac26df8d": [ "ab8be52e-f809-4544-a11b-8774ada77ea3" ], "09cbde54-a3d1-4cb6-9eaf-7ab635d8b8ef": [ "ab8be52e-f809-4544-a11b-8774ada77ea3" ], "244343d7-3838-469a-b61e-de0e3f7990b1": [ "ab8be52e-f809-4544-a11b-8774ada77ea3" ], "73948744-00ae-4a29-8400-518493885da1": [ "ab8be52e-f809-4544-a11b-8774ada77ea3" ], "d80e69d1-00fb-4fcb-88ea-f2376cf4190b": [ "ab8be52e-f809-4544-a11b-8774ada77ea3" ], "2fd4419a-1be0-44ab-b0bd-8bfe43ae5c4a": [ "ab8be52e-f809-4544-a11b-8774ada77ea3" ], "903ecf3a-a2c6-4ecc-9448-0100c58fa942": [ "ea744b60-cd50-41dc-9cb9-0e745f3c4aeb" ], "5969a426-d085-47dc-a87a-5d2771abf5f2": [ "ea744b60-cd50-41dc-9cb9-0e745f3c4aeb" ], "b95a2664-51a3-4325-a562-bba1d4765472": [ "ea744b60-cd50-41dc-9cb9-0e745f3c4aeb" ], "c467af64-348b-4e39-8ef0-f3c9f3bc0ae8": [ "ea744b60-cd50-41dc-9cb9-0e745f3c4aeb" ], "5c50ac5a-55d2-4e7e-ba57-974d09e2760b": [ "ea744b60-cd50-41dc-9cb9-0e745f3c4aeb" ], "7d2e090b-9ecb-4c0c-bdba-90648e4fa5a6": [ "ea744b60-cd50-41dc-9cb9-0e745f3c4aeb" ], "f559aa54-4b13-43f4-b501-552f78fcc5f6": [ "ea744b60-cd50-41dc-9cb9-0e745f3c4aeb" ], "e528350f-13a5-4e06-b216-ed71a9f45ce5": [ "ea744b60-cd50-41dc-9cb9-0e745f3c4aeb" ], "4e0ef86f-6b4e-4e90-aa90-c26ee86d1ac4": [ "ea744b60-cd50-41dc-9cb9-0e745f3c4aeb" ], "44c2283e-ea4f-435e-99fb-67b111db3edb": [ "ea744b60-cd50-41dc-9cb9-0e745f3c4aeb" ], "f0a3aba5-e010-4212-9ff5-8950552c3477": [ "5f5751c3-a6b5-4272-aead-bc81b75f34d6" ], "de678d48-1659-4b91-8b2c-81ef9417f2a0": [ "5f5751c3-a6b5-4272-aead-bc81b75f34d6" ], "5c7179d6-4514-477c-874b-6d6814236b93": [ "5f5751c3-a6b5-4272-aead-bc81b75f34d6" ], "ac7cc325-7558-496c-99de-25b6c7de7753": [ "5f5751c3-a6b5-4272-aead-bc81b75f34d6" ], "921ae0b4-88e7-425c-a993-bfe358c53e84": [ "5f5751c3-a6b5-4272-aead-bc81b75f34d6" ], "d00b106d-7ecc-46ad-91b3-aba58b627ba7": [ "5f5751c3-a6b5-4272-aead-bc81b75f34d6" ], "fb50ba19-6598-4732-b46a-ed0d539b5a55": [ "5f5751c3-a6b5-4272-aead-bc81b75f34d6" ], "0c5a8c11-1a49-414e-b3f1-6bbc474c83ea": [ "5f5751c3-a6b5-4272-aead-bc81b75f34d6" ], "d5b9079e-8be0-498b-bdd5-78e003b1c29f": [ "5f5751c3-a6b5-4272-aead-bc81b75f34d6" ], "8fb0ffef-d1bb-40bd-bcba-b4d8bd70cd6e": [ "5f5751c3-a6b5-4272-aead-bc81b75f34d6" ], "7cf50036-79fb-478d-b66c-b97ba0aaf0ff": [ "0f5fb836-4684-4de6-aa08-07fdcc16775f" ], "d31bc80c-1683-459b-bbc3-309e13ced0d7": [ "0f5fb836-4684-4de6-aa08-07fdcc16775f" ], "b1b3304c-d0ba-444e-b297-db30309ed154": [ "0f5fb836-4684-4de6-aa08-07fdcc16775f" ], "7cd1daaa-bc89-4e83-a380-408374214ca0": [ "0f5fb836-4684-4de6-aa08-07fdcc16775f" ], "773fad87-e563-4d78-a77a-36ab2dfedbb1": [ "0f5fb836-4684-4de6-aa08-07fdcc16775f" ], "0bfdc2b0-3186-4697-9363-e6d611eb4c1f": [ "0f5fb836-4684-4de6-aa08-07fdcc16775f" ], "8de2a201-15e9-4518-940f-b82de46ce355": [ "0f5fb836-4684-4de6-aa08-07fdcc16775f" ], "9276556e-c4b5-480f-9cf8-e2b8a3746114": [ "0f5fb836-4684-4de6-aa08-07fdcc16775f" ], "fdcf1fb6-73d2-4118-96ec-9fb9e36fa6ca": [ "0f5fb836-4684-4de6-aa08-07fdcc16775f" ], "61a0afe5-9efb-4b15-a2cf-b37d0a7802f1": [ "0f5fb836-4684-4de6-aa08-07fdcc16775f" ], "6c89aab4-8648-474c-9ee7-edb83c927463": [ "03e05f86-059e-410a-a523-784ed06bc7af" ], "cb5ebffd-ec68-46f6-a237-8b904cdcaf5d": [ "03e05f86-059e-410a-a523-784ed06bc7af" ], "cc856cac-3f3f-4d4a-8607-3f8cbb71bae4": [ "03e05f86-059e-410a-a523-784ed06bc7af" ], "6b4c3bcd-e2a7-437a-a8ec-57ce71d6951c": [ "03e05f86-059e-410a-a523-784ed06bc7af" ], "11eb3e11-bc44-4638-b939-5fe5cd367f67": [ "03e05f86-059e-410a-a523-784ed06bc7af" ], "84d246fb-e4b4-4969-9a42-347fdcdc96e1": [ "03e05f86-059e-410a-a523-784ed06bc7af" ], "f0466bf0-44bf-4e9e-81e8-7591d59fce0a": [ "03e05f86-059e-410a-a523-784ed06bc7af" ], "a973b58f-d7dd-46ce-b7d8-59b405196eaa": [ "03e05f86-059e-410a-a523-784ed06bc7af" ], "8d616cda-3cc4-4a94-8b59-78da8174d522": [ "03e05f86-059e-410a-a523-784ed06bc7af" ], "1ba508da-192b-4e9d-8866-ab2b246483e4": [ "03e05f86-059e-410a-a523-784ed06bc7af" ], "67a15698-744f-4812-905d-7c77b7255383": [ "9f2b68fb-7d72-4524-8d53-b5864f532ae2" ], "c03a774f-b4ee-433b-9e77-9be9f43eeca2": [ "9f2b68fb-7d72-4524-8d53-b5864f532ae2" ], "dd5e4cf8-75b8-4339-b439-a84064b78459": [ "9f2b68fb-7d72-4524-8d53-b5864f532ae2" ], "70b629aa-e580-48f6-a6e6-f3ceb1547b87": [ "9f2b68fb-7d72-4524-8d53-b5864f532ae2" ], "70ecdcf5-b1c8-46d8-8fea-87efb1d7a0cc": [ "9f2b68fb-7d72-4524-8d53-b5864f532ae2" ], "64a079bd-e863-42b4-84f4-8f890b19cf50": [ "9f2b68fb-7d72-4524-8d53-b5864f532ae2" ], "a5069b3b-1763-4152-8998-680c26837925": [ "9f2b68fb-7d72-4524-8d53-b5864f532ae2" ], "18115368-2b32-4d37-97e5-f7e743687ff4": [ "9f2b68fb-7d72-4524-8d53-b5864f532ae2" ], "67cff2f7-fd2f-4141-80da-21a54f804476": [ "9f2b68fb-7d72-4524-8d53-b5864f532ae2" ], "9f37d850-b033-4042-9e53-863696757707": [ "9f2b68fb-7d72-4524-8d53-b5864f532ae2" ], "9a74e3b8-6b93-4962-bfa1-7a2c5fd90618": [ "5c445367-356a-4471-8bc4-d25a92a0b3f5" ], "fb9c4647-babe-451a-96ee-2b1e10d0712c": [ "5c445367-356a-4471-8bc4-d25a92a0b3f5" ], "a5ab63c8-658e-44ac-801f-0a729a16bccb": [ "5c445367-356a-4471-8bc4-d25a92a0b3f5" ], "b34565a2-a6fa-407f-8d7c-fca1df337913": [ "5c445367-356a-4471-8bc4-d25a92a0b3f5" ], "e05050ee-f853-4e26-9601-3d517303b671": [ "5c445367-356a-4471-8bc4-d25a92a0b3f5" ], "5212c6f1-b700-4012-834b-d0df8d2b96fd": [ "5c445367-356a-4471-8bc4-d25a92a0b3f5" ], "f718d880-03bf-43ea-9cf8-4eff9dafb68c": [ "5c445367-356a-4471-8bc4-d25a92a0b3f5" ], "6a9aee5e-c03e-45d2-95ae-4644d932240b": [ "5c445367-356a-4471-8bc4-d25a92a0b3f5" ], "240b18a3-e4b7-40a6-a664-24d478e754e3": [ "5c445367-356a-4471-8bc4-d25a92a0b3f5" ], "83c32a03-b50f-48b6-bee8-18661acbc7aa": [ "5c445367-356a-4471-8bc4-d25a92a0b3f5" ], "0a3e3f8d-145b-493a-bf4d-4d2e8ad6bb9d": [ "f0329efa-7591-4434-bbbf-92393aaa46a9" ], "6351ac22-6a82-47d1-a841-edd424ed0205": [ "f0329efa-7591-4434-bbbf-92393aaa46a9" ], "5fee241f-42cc-428b-b51c-f6bd12337d67": [ "f0329efa-7591-4434-bbbf-92393aaa46a9" ], "527106b2-46d4-4cbd-b492-116b855b0f98": [ "f0329efa-7591-4434-bbbf-92393aaa46a9" ], "22dc225d-f3e5-4fe8-a9c6-0ef905f5a2c9": [ "f0329efa-7591-4434-bbbf-92393aaa46a9" ], "b8155df3-4aff-4807-a8b4-32891ff79cd3": [ "f0329efa-7591-4434-bbbf-92393aaa46a9" ], "cd829ff2-d4cf-4b5b-a99c-c406d9511613": [ "f0329efa-7591-4434-bbbf-92393aaa46a9" ], "3f118f8b-bf9f-4d54-8668-a86eb6a4a034": [ "f0329efa-7591-4434-bbbf-92393aaa46a9" ], "da3ddea8-3bcc-4d50-8a25-bac684c41114": [ "f0329efa-7591-4434-bbbf-92393aaa46a9" ], "db354738-dad8-4c7e-9de5-fd43110f757a": [ "f0329efa-7591-4434-bbbf-92393aaa46a9" ], "d9176b08-ff7b-432f-b5d6-600534777f27": [ "92634d90-d76e-4c41-b850-de7664a0a289" ], "a959f924-0071-4f6b-bb7b-22bbd439dfe0": [ "92634d90-d76e-4c41-b850-de7664a0a289" ], "8f518a24-1470-4c94-be62-8ee7639a409f": [ "92634d90-d76e-4c41-b850-de7664a0a289" ], "c70dab38-3c7e-439c-8ab1-49da7b8dbf58": [ "92634d90-d76e-4c41-b850-de7664a0a289" ], "a31044f5-8d37-43f5-8296-7ae913c05a5f": [ "92634d90-d76e-4c41-b850-de7664a0a289" ], "ed513ff9-8f59-4879-aa33-40e972319b18": [ "92634d90-d76e-4c41-b850-de7664a0a289" ], "34d2019f-c062-49ff-a3d4-ff05e553914c": [ "92634d90-d76e-4c41-b850-de7664a0a289" ], "0430481c-d8ea-4ba3-a58f-6e7ff8223ef2": [ "92634d90-d76e-4c41-b850-de7664a0a289" ], "1f1f4687-59d8-4074-98b1-8893ab6f010b": [ "92634d90-d76e-4c41-b850-de7664a0a289" ], "b0a05a20-9182-4784-adc5-ee7ecf2d635a": [ "92634d90-d76e-4c41-b850-de7664a0a289" ], "25fe8c53-27fa-4c58-b5aa-5300be5893fe": [ "89d3be2b-7e82-47af-a0d1-e06674cb98cd" ], "546786bd-71da-40cb-b3a0-a2230f665082": [ "89d3be2b-7e82-47af-a0d1-e06674cb98cd" ], "36d8a64b-f6a7-4bfc-8214-19d28576b805": [ "89d3be2b-7e82-47af-a0d1-e06674cb98cd" ], "c55f4b1c-4c50-4352-a6de-634a1378fb3f": [ "89d3be2b-7e82-47af-a0d1-e06674cb98cd" ], "4c172df4-5067-4296-a489-aa0864d5de6b": [ "89d3be2b-7e82-47af-a0d1-e06674cb98cd" ], "c59a58bf-e346-482d-9d7c-0c178725acdd": [ "89d3be2b-7e82-47af-a0d1-e06674cb98cd" ], "e2b6be37-d681-4d47-920d-4d3b35921ea0": [ "89d3be2b-7e82-47af-a0d1-e06674cb98cd" ], "0221cf10-114c-438f-9c96-2148f9f2696e": [ "89d3be2b-7e82-47af-a0d1-e06674cb98cd" ], "6f5c9b37-ec5b-4b42-83a2-af73339ff14c": [ "89d3be2b-7e82-47af-a0d1-e06674cb98cd" ], "b0e4ec26-10d9-40b1-a999-b9d74e9f7215": [ "89d3be2b-7e82-47af-a0d1-e06674cb98cd" ], "cddd222b-29bf-4724-bf70-36e75466d64e": [ "4cdb048a-026c-4688-8a19-f7b83898af09" ], "61b0051f-d5b6-49ac-9651-85a2ee48fa5f": [ "4cdb048a-026c-4688-8a19-f7b83898af09" ], "578faa6b-a079-4002-854e-4230f9f4bd88": [ "4cdb048a-026c-4688-8a19-f7b83898af09" ], "818347f4-bcad-40bd-b0f7-bd255b1c6953": [ "4cdb048a-026c-4688-8a19-f7b83898af09" ], "571a702f-3f2e-4814-a0c7-da72d03ad2a7": [ "4cdb048a-026c-4688-8a19-f7b83898af09" ], "132802ac-7351-415e-be9b-6570d002e6dc": [ "4cdb048a-026c-4688-8a19-f7b83898af09" ], "8040ce21-2b53-4182-b4a3-95d542ad8bef": [ "4cdb048a-026c-4688-8a19-f7b83898af09" ], "b6273314-d3ef-4df7-a315-889dc8b323be": [ "4cdb048a-026c-4688-8a19-f7b83898af09" ], "c720d299-ff45-4d87-869e-d8d4d1762ada": [ "4cdb048a-026c-4688-8a19-f7b83898af09" ], "9394371c-56de-451a-a1b4-476492528fe3": [ "4cdb048a-026c-4688-8a19-f7b83898af09" ], "7dd4eb6f-c4b3-4dcd-8f02-ff7e81252535": [ "eb34e8e5-9687-48a2-8d7f-fa1f08bd2c62" ], "dc3e609c-a73a-425c-b87f-a9aff7a51a03": [ "eb34e8e5-9687-48a2-8d7f-fa1f08bd2c62" ], "61ac3fe2-ea08-495e-be68-703a7babc6cc": [ "eb34e8e5-9687-48a2-8d7f-fa1f08bd2c62" ], "0e45e13d-1770-4f0d-97a6-4aab69c362c6": [ "eb34e8e5-9687-48a2-8d7f-fa1f08bd2c62" ], "c9301627-f170-4391-8140-19d99809c47f": [ "eb34e8e5-9687-48a2-8d7f-fa1f08bd2c62" ], "33ecf7a1-21e6-4c4e-b316-d325f46850d6": [ "eb34e8e5-9687-48a2-8d7f-fa1f08bd2c62" ], "150b1b52-cd1f-4d9e-b4db-6cb5a128484e": [ "eb34e8e5-9687-48a2-8d7f-fa1f08bd2c62" ], "e63f00ad-b657-47ba-8b62-e917749c7274": [ "eb34e8e5-9687-48a2-8d7f-fa1f08bd2c62" ], "6e838b1b-2d93-4371-93b3-26336ddfbbfd": [ "eb34e8e5-9687-48a2-8d7f-fa1f08bd2c62" ], "1b0be829-37d7-43b5-9111-d209ae3753b3": [ "eb34e8e5-9687-48a2-8d7f-fa1f08bd2c62" ], "e6ed2f50-f7c5-47ec-999d-2aa95afd15dc": [ "c54f3bbf-67dc-4b44-8b61-585203e0a103" ], "e0f1ec1e-a305-44bf-a0a8-f47a4fe41b32": [ "c54f3bbf-67dc-4b44-8b61-585203e0a103" ], "9b5b2f91-8ca8-4a41-8225-b0268b826dff": [ "c54f3bbf-67dc-4b44-8b61-585203e0a103" ], "217d75da-bf1d-4db1-8a07-c6ff3087ae78": [ "c54f3bbf-67dc-4b44-8b61-585203e0a103" ], "fb3a4edd-de6a-48ff-ac87-ed6be0917c22": [ "c54f3bbf-67dc-4b44-8b61-585203e0a103" ], "b9bcbd72-129d-4602-948f-4d85e82d5dda": [ "c54f3bbf-67dc-4b44-8b61-585203e0a103" ], "bfb00788-1be4-4b4f-8761-f1ae5735cf6c": [ "c54f3bbf-67dc-4b44-8b61-585203e0a103" ], "2d6168e2-4852-45b5-a274-b2e548d47b8e": [ "c54f3bbf-67dc-4b44-8b61-585203e0a103" ], "5eee01cf-95a2-4159-ba17-0aaabc0b354e": [ "c54f3bbf-67dc-4b44-8b61-585203e0a103" ], "1685b320-81fb-4be2-b536-74d2b1571aa0": [ "c54f3bbf-67dc-4b44-8b61-585203e0a103" ], "2c4dfcee-2923-4673-9c29-0cd315468f88": [ "6cd5d32c-271d-4f11-b2bc-b07035f0bd3b" ], "38c31526-23c7-4482-a6c8-f758bba5e1f9": [ "6cd5d32c-271d-4f11-b2bc-b07035f0bd3b" ], "7edcfe55-85a4-4b19-bca1-b2eafb8d7c6d": [ "6cd5d32c-271d-4f11-b2bc-b07035f0bd3b" ], "ae9b5f5e-eb48-4341-988d-1959a14d2e36": [ "6cd5d32c-271d-4f11-b2bc-b07035f0bd3b" ], "cd0a7afe-770f-453d-af6d-b7d278f098f1": [ "6cd5d32c-271d-4f11-b2bc-b07035f0bd3b" ], "7e155803-66f8-4cef-b512-404bdba8086c": [ "6cd5d32c-271d-4f11-b2bc-b07035f0bd3b" ], "ea44c520-854f-4d4f-8c70-6f8e5e635c23": [ "6cd5d32c-271d-4f11-b2bc-b07035f0bd3b" ], "516a1564-52ff-46ad-a6cc-b6cb14dede59": [ "6cd5d32c-271d-4f11-b2bc-b07035f0bd3b" ], "79b5f336-a522-404c-9868-0a6e9a70a451": [ "6cd5d32c-271d-4f11-b2bc-b07035f0bd3b" ], "408bfa4c-e827-4218-8256-dc7ad0ed301c": [ "6cd5d32c-271d-4f11-b2bc-b07035f0bd3b" ], "00a6f462-d43e-47cb-a49c-74538b7b7563": [ "9efaeee1-df38-45e4-b06d-2e339c16894a" ], "a551b0e3-ecfd-4b61-979d-452f037da9f8": [ "9efaeee1-df38-45e4-b06d-2e339c16894a" ], "fcad53b4-f953-4eb7-a744-9eba6c8c89a3": [ "9efaeee1-df38-45e4-b06d-2e339c16894a" ], "58e768a8-0fa2-4661-9e46-925829b41c7a": [ "9efaeee1-df38-45e4-b06d-2e339c16894a" ], "cbdc690e-6646-4d88-bdc0-b60ecc24d9f8": [ "9efaeee1-df38-45e4-b06d-2e339c16894a" ], "f6d1ad3e-fb62-468f-80c6-4c4494a6aac8": [ "9efaeee1-df38-45e4-b06d-2e339c16894a" ], "304af6aa-7414-4da3-8a63-62ad71041864": [ "9efaeee1-df38-45e4-b06d-2e339c16894a" ], "e75d6d3b-d7b1-44f6-854c-5b5a8f5cbdc5": [ "9efaeee1-df38-45e4-b06d-2e339c16894a" ], "4b579275-148b-45e0-ab4b-84b415d5abfb": [ "9efaeee1-df38-45e4-b06d-2e339c16894a" ], "4f015910-90e5-4bca-bfa7-7f112249d84b": [ "9efaeee1-df38-45e4-b06d-2e339c16894a" ], "aba5ea0c-db44-4409-9dc1-75a2855e26d6": [ "f3157e39-8c53-42ee-b788-22106f0cbaaa" ], "a3c940e8-47ff-448f-9d91-c4cd2cbcb953": [ "f3157e39-8c53-42ee-b788-22106f0cbaaa" ], "fb218b38-1881-4bff-aad0-3bd861af9620": [ "f3157e39-8c53-42ee-b788-22106f0cbaaa" ], "fae2c482-8302-4297-a8d7-17039f61c1cf": [ "f3157e39-8c53-42ee-b788-22106f0cbaaa" ], "28854350-d143-4a71-9981-657133945c23": [ "f3157e39-8c53-42ee-b788-22106f0cbaaa" ], "a61b1187-ff71-42a3-8864-ea8b88a5571b": [ "f3157e39-8c53-42ee-b788-22106f0cbaaa" ], "3beda96b-8164-4c8d-964d-8cca6be17405": [ "f3157e39-8c53-42ee-b788-22106f0cbaaa" ], "ece02927-8d93-48aa-a014-6b4a873c6a24": [ "f3157e39-8c53-42ee-b788-22106f0cbaaa" ], "ff56349a-5b0f-4435-969d-1f9019d0e978": [ "f3157e39-8c53-42ee-b788-22106f0cbaaa" ], "b3a8e3d4-22c1-4960-ae64-9a4d2818c844": [ "f3157e39-8c53-42ee-b788-22106f0cbaaa" ], "585909f0-a282-4b5e-a0d6-6c5d1d2d755c": [ "8facbb10-8879-47d3-89dd-9a907da07f61" ], "b938d441-18a1-4c4e-a2b5-82a988ea58a0": [ "8facbb10-8879-47d3-89dd-9a907da07f61" ], "d07d5586-2946-412a-9ab3-91c2f946ff51": [ "8facbb10-8879-47d3-89dd-9a907da07f61" ], "c6e35d07-0774-4c07-a0f3-12d10e285fe5": [ "8facbb10-8879-47d3-89dd-9a907da07f61" ], "9933d7de-2d60-4ad7-9ea7-212e853937d4": [ "8facbb10-8879-47d3-89dd-9a907da07f61" ], "e3057aa0-8828-4fd6-9cf8-cfea544e6cf2": [ "8facbb10-8879-47d3-89dd-9a907da07f61" ], "c146509f-2526-467f-b962-aaf9d05b6699": [ "8facbb10-8879-47d3-89dd-9a907da07f61" ], "bf3535dd-cf01-49bc-8f42-23bcca1bf701": [ "8facbb10-8879-47d3-89dd-9a907da07f61" ], "70fca971-081e-4a29-bc34-6d926f34e984": [ "8facbb10-8879-47d3-89dd-9a907da07f61" ], "76cca426-d0a1-467f-a5b1-6485e87cb5f8": [ "8facbb10-8879-47d3-89dd-9a907da07f61" ], "c322b796-0bcc-4fde-9ec3-c9731aaeafe1": [ "65f4ba7e-bb87-4db7-b73b-cac69bd67f3f" ], "a92af00a-6342-442c-99cc-522e74e5db92": [ "65f4ba7e-bb87-4db7-b73b-cac69bd67f3f" ], "cf5404bc-27bc-42a5-8589-1ee1d4befc24": [ "65f4ba7e-bb87-4db7-b73b-cac69bd67f3f" ], "9a18758d-ef4c-458d-b722-c6e077f91eec": [ "65f4ba7e-bb87-4db7-b73b-cac69bd67f3f" ], "3114e0ef-b051-479c-9407-118897448340": [ "65f4ba7e-bb87-4db7-b73b-cac69bd67f3f" ], "54494eaf-9441-4313-aa74-8ffa8cfa76ff": [ "65f4ba7e-bb87-4db7-b73b-cac69bd67f3f" ], "914be9b2-b66e-4aa7-8785-d9c6e633b3d8": [ "65f4ba7e-bb87-4db7-b73b-cac69bd67f3f" ], "27c9f220-1182-49f6-85ef-e6435bcc0bc6": [ "65f4ba7e-bb87-4db7-b73b-cac69bd67f3f" ], "4743fb5a-63c3-4e67-8be5-eeb474952770": [ "65f4ba7e-bb87-4db7-b73b-cac69bd67f3f" ], "3ea20a79-b312-4af1-90f8-6321f975cde9": [ "65f4ba7e-bb87-4db7-b73b-cac69bd67f3f" ], "dbf244f0-eae7-4267-855a-8e89eb74e709": [ "12fb9963-7222-42d5-8fc2-3abaac5cfe62" ], "18cd9664-9596-44bb-b19e-92bee09da465": [ "12fb9963-7222-42d5-8fc2-3abaac5cfe62" ], "30da6477-dd70-49d1-b178-c6a745c0c47c": [ "12fb9963-7222-42d5-8fc2-3abaac5cfe62" ], "2102ea46-9869-4f4a-b06d-e8c6aec95993": [ "12fb9963-7222-42d5-8fc2-3abaac5cfe62" ], "dad26175-bc30-440d-8f96-99705857dc2b": [ "12fb9963-7222-42d5-8fc2-3abaac5cfe62" ], "ff4fc581-549f-4904-8c5f-e656ca3b10a0": [ "12fb9963-7222-42d5-8fc2-3abaac5cfe62" ], "0a956b7a-a795-4cde-8956-b42b0318924b": [ "12fb9963-7222-42d5-8fc2-3abaac5cfe62" ], "ba8f1254-f6c4-41c6-ac7e-5d07f575d7fd": [ "12fb9963-7222-42d5-8fc2-3abaac5cfe62" ], "50f42eb2-cda4-44a4-bcec-df1eaa5b6cc4": [ "12fb9963-7222-42d5-8fc2-3abaac5cfe62" ], "df6ba9ce-a5f9-42a1-bf9a-5508c6164817": [ "12fb9963-7222-42d5-8fc2-3abaac5cfe62" ], "4e4cd909-7aa6-49cf-9bc7-c7c0c797dc5c": [ "ca265b6c-752b-441b-a246-c730edada4a5" ], "63cb1284-7c73-412a-8d30-199ce4384ead": [ "ca265b6c-752b-441b-a246-c730edada4a5" ], "bdc2e3bb-0c90-4c40-9cb6-3274764d942b": [ "ca265b6c-752b-441b-a246-c730edada4a5" ], "2ec8ae3c-efa8-4267-80d3-c714c0a59232": [ "ca265b6c-752b-441b-a246-c730edada4a5" ], "673c7ef1-a8f5-478a-8930-50d38d3316b8": [ "ca265b6c-752b-441b-a246-c730edada4a5" ], "40cfa4e9-a524-4f55-9990-4f609c3ab761": [ "ca265b6c-752b-441b-a246-c730edada4a5" ], "3f8a763a-fc2f-4341-bcfd-aac6ceeddf04": [ "ca265b6c-752b-441b-a246-c730edada4a5" ], "1aa4b204-afe4-400c-92fe-e3c2941b9d6f": [ "ca265b6c-752b-441b-a246-c730edada4a5" ], "2c901535-735e-4e3a-b300-e4af0b4be06c": [ "ca265b6c-752b-441b-a246-c730edada4a5" ], "269a536e-c680-497a-bb9e-cbfabd4673aa": [ "ca265b6c-752b-441b-a246-c730edada4a5" ], "6fef7b31-8d5f-45c3-aea1-bf2c8d3ce8a9": [ "b9e7decc-6207-4063-a8fd-3382a068e57b" ], "e2e89018-15a4-429a-9b12-c6fd84cfeb3d": [ "b9e7decc-6207-4063-a8fd-3382a068e57b" ], "57d4954b-9cac-4c62-a142-a4572e9f45cd": [ "b9e7decc-6207-4063-a8fd-3382a068e57b" ], "84578555-5d0f-4a67-b03d-ab5ea9be7575": [ "b9e7decc-6207-4063-a8fd-3382a068e57b" ], "a58d5f7a-812a-4633-99e6-629c2698ad34": [ "b9e7decc-6207-4063-a8fd-3382a068e57b" ], "6880df98-0747-47f0-a248-e5a38fea2121": [ "b9e7decc-6207-4063-a8fd-3382a068e57b" ], "b1a66906-c99c-42f1-91de-aba4b6a54f00": [ "b9e7decc-6207-4063-a8fd-3382a068e57b" ], "f04e3df8-d6c9-413e-9cf3-d4a3bf56748d": [ "b9e7decc-6207-4063-a8fd-3382a068e57b" ], "0575e149-7134-40f1-bace-b29867d40790": [ "b9e7decc-6207-4063-a8fd-3382a068e57b" ], "711db426-8081-4c47-8a81-2104f4fc0cde": [ "b9e7decc-6207-4063-a8fd-3382a068e57b" ], "6215c549-4930-45cd-9dfc-611746bbdcf3": [ "225e7675-b02d-41d4-b13a-327e4e510e03" ], "79174a5a-ee99-451b-b53e-ac21d37ce9cb": [ "225e7675-b02d-41d4-b13a-327e4e510e03" ], "acc6fb71-9c30-4afe-813b-d967ac858528": [ "225e7675-b02d-41d4-b13a-327e4e510e03" ], "9b9b7188-4b7d-450d-a813-5939ed71911e": [ "225e7675-b02d-41d4-b13a-327e4e510e03" ], "58efb92c-27f0-4f8a-a3be-c5c1abe5286b": [ "225e7675-b02d-41d4-b13a-327e4e510e03" ], "f6d144c2-b100-4550-bb50-ab5eb5e34e58": [ "225e7675-b02d-41d4-b13a-327e4e510e03" ], "2196a54f-783d-4fa6-bc91-3c9eb52ed120": [ "225e7675-b02d-41d4-b13a-327e4e510e03" ], "b4e1984d-a871-4f87-b23f-05a678b5a34d": [ "225e7675-b02d-41d4-b13a-327e4e510e03" ], "b652b2a6-8af0-4ba8-be34-6229c34ffe0b": [ "225e7675-b02d-41d4-b13a-327e4e510e03" ], "fd3491ac-0c0a-4110-b1c3-26d12b397183": [ "225e7675-b02d-41d4-b13a-327e4e510e03" ], "a9d8cf09-f7e1-4998-a88b-9ef0cca7385f": [ "ca8ddb4e-6266-4763-afd4-4dc2a0c812f7" ], "11fc8207-d3d6-4c27-a1f9-a9632f90dbb7": [ "ca8ddb4e-6266-4763-afd4-4dc2a0c812f7" ], "e6423f1e-1dd9-4461-86c0-5aec1e8be285": [ "ca8ddb4e-6266-4763-afd4-4dc2a0c812f7" ], "0263f932-7799-466f-87ff-6430a985334e": [ "ca8ddb4e-6266-4763-afd4-4dc2a0c812f7" ], "5806ee52-f14e-4080-b94a-a9f41a9f0790": [ "ca8ddb4e-6266-4763-afd4-4dc2a0c812f7" ], "d430808c-d441-410e-848b-d9385c418e71": [ "ca8ddb4e-6266-4763-afd4-4dc2a0c812f7" ], "a01d9ff5-cceb-439b-a315-21759f650894": [ "ca8ddb4e-6266-4763-afd4-4dc2a0c812f7" ], "64ae63ca-28e9-479b-afd7-e2b10fcf676d": [ "ca8ddb4e-6266-4763-afd4-4dc2a0c812f7" ], "30854c80-6704-42fd-9954-01bbb1ceed4f": [ "ca8ddb4e-6266-4763-afd4-4dc2a0c812f7" ], "e4f96398-ba9b-4c37-8dea-da9e26edbf41": [ "ca8ddb4e-6266-4763-afd4-4dc2a0c812f7" ], "22cd9f69-3632-491c-a091-0e60c24cc18a": [ "5af085c8-ad9e-427b-b2c0-6ddca482df2d" ], "03804329-a5b8-4040-a4dc-8cf28f1b00c3": [ "5af085c8-ad9e-427b-b2c0-6ddca482df2d" ], "31f6882e-5928-4e4a-ab8a-4bc82c4020f3": [ "5af085c8-ad9e-427b-b2c0-6ddca482df2d" ], "30d4631b-7a09-4ad6-86f6-25b2a429faba": [ "5af085c8-ad9e-427b-b2c0-6ddca482df2d" ], "aa22873a-d031-4de3-b325-de51b3783304": [ "5af085c8-ad9e-427b-b2c0-6ddca482df2d" ], "e9905557-93c5-458c-9d7c-d42386aa7450": [ "5af085c8-ad9e-427b-b2c0-6ddca482df2d" ], "ca709828-7276-4e23-8a0c-acca5cf56a70": [ "5af085c8-ad9e-427b-b2c0-6ddca482df2d" ], "40b1a88e-e671-4fc0-86ca-b18b2cc3b590": [ "5af085c8-ad9e-427b-b2c0-6ddca482df2d" ], "f15ac6fb-3450-4884-bcc5-87ce26462527": [ "5af085c8-ad9e-427b-b2c0-6ddca482df2d" ], "70926461-f7d6-41ff-8304-ebe5b1480c6c": [ "5af085c8-ad9e-427b-b2c0-6ddca482df2d" ], "af20d407-e635-4f5d-8132-4a0e1de3a536": [ "ab7947a1-ba8e-4969-83dc-61cd9f20e7a6" ], "6c5afafb-87d8-493d-905b-51255d31ff3f": [ "ab7947a1-ba8e-4969-83dc-61cd9f20e7a6" ], "404ff728-7370-489c-b7c4-02c05c156685": [ "ab7947a1-ba8e-4969-83dc-61cd9f20e7a6" ], "782b801c-f62a-4e68-b532-8c1b602765c7": [ "ab7947a1-ba8e-4969-83dc-61cd9f20e7a6" ], "899a95c6-047b-4f0a-be18-e26e79e7a482": [ "ab7947a1-ba8e-4969-83dc-61cd9f20e7a6" ], "b222baa4-3868-4623-abbf-addfeadec0e1": [ "ab7947a1-ba8e-4969-83dc-61cd9f20e7a6" ], "4ce2210c-f7e7-4397-a5f9-730af9c8ec6f": [ "ab7947a1-ba8e-4969-83dc-61cd9f20e7a6" ], "0ccb0684-f347-49e9-a506-847e035fe6be": [ "ab7947a1-ba8e-4969-83dc-61cd9f20e7a6" ], "2a0adb33-3f6c-4434-8058-3bfc9b270da4": [ "ab7947a1-ba8e-4969-83dc-61cd9f20e7a6" ], "853a61c0-bcbf-4f1d-bf99-633aee18b711": [ "ab7947a1-ba8e-4969-83dc-61cd9f20e7a6" ], "34dd62da-7824-45a9-bd43-7df5dac7d379": [ "6832ae25-2bef-4b80-aa37-2478a4ae083d" ], "a0975ca9-4de8-4856-bc01-393aea59dd32": [ "6832ae25-2bef-4b80-aa37-2478a4ae083d" ], "b3743f08-6db6-4509-91de-9f0166d493dc": [ "6832ae25-2bef-4b80-aa37-2478a4ae083d" ], "8cd3672c-a215-484d-9d14-5910ae5c81a7": [ "6832ae25-2bef-4b80-aa37-2478a4ae083d" ], "ae0ff67c-4c96-4193-bd71-1a098aaba182": [ "6832ae25-2bef-4b80-aa37-2478a4ae083d" ], "2c6b3e94-d749-4ca4-8218-945ba31e62af": [ "6832ae25-2bef-4b80-aa37-2478a4ae083d" ], "78205f32-1406-4a57-8fe7-39932cab8a2c": [ "6832ae25-2bef-4b80-aa37-2478a4ae083d" ], "9c8da385-1576-4023-922e-8aa1758ba508": [ "6832ae25-2bef-4b80-aa37-2478a4ae083d" ], "58744f62-2cef-4d09-bc96-3740a0caa424": [ "6832ae25-2bef-4b80-aa37-2478a4ae083d" ], "6ad439bf-5fbc-47ea-912c-45dca3592404": [ "6832ae25-2bef-4b80-aa37-2478a4ae083d" ], "0b4300ec-a2b0-4f81-82ce-abc8702aa2ae": [ "bf8d1339-7a00-4f93-8b2e-bb68b28b6d22" ], "02294c89-9f25-4652-9b65-bea581788e96": [ "bf8d1339-7a00-4f93-8b2e-bb68b28b6d22" ], "0da8b5f7-9c21-4431-b267-c7787b8496cd": [ "bf8d1339-7a00-4f93-8b2e-bb68b28b6d22" ], "18966d66-1c33-43b3-87e7-b52eb9e3e323": [ "bf8d1339-7a00-4f93-8b2e-bb68b28b6d22" ], "19bd89b2-7da2-423d-91c8-98f1ef56f4f3": [ "bf8d1339-7a00-4f93-8b2e-bb68b28b6d22" ], "6c208a3d-294d-4796-b41b-6b9757724883": [ "bf8d1339-7a00-4f93-8b2e-bb68b28b6d22" ], "bf624402-65f7-4c68-8009-7fd7118ad387": [ "bf8d1339-7a00-4f93-8b2e-bb68b28b6d22" ], "5ffce01e-f97b-4b4f-b4a5-06a7f394ab6a": [ "bf8d1339-7a00-4f93-8b2e-bb68b28b6d22" ], "353fc3dc-aa24-4fc5-abf9-139776f6156b": [ "bf8d1339-7a00-4f93-8b2e-bb68b28b6d22" ], "dc578467-1fcf-4efc-b96b-61eeee29a704": [ "bf8d1339-7a00-4f93-8b2e-bb68b28b6d22" ], "bd15dc0c-55e0-43ee-a05f-60d358ad1c9e": [ "c17d74b1-bb32-415e-9399-c2edc1bde471" ], "938b76cd-472a-4d94-89b9-ddee9bf504ba": [ "c17d74b1-bb32-415e-9399-c2edc1bde471" ], "12376778-66f1-4e29-8d52-a653ddf5f3ab": [ "c17d74b1-bb32-415e-9399-c2edc1bde471" ], "0e4dd303-8995-48f2-8089-ded904b47400": [ "c17d74b1-bb32-415e-9399-c2edc1bde471" ], "b655d532-ecf8-4b1c-abc7-a77d67feffb8": [ "c17d74b1-bb32-415e-9399-c2edc1bde471" ], "bd67cc10-4be3-4e71-a29e-32177336e5e8": [ "c17d74b1-bb32-415e-9399-c2edc1bde471" ], "f5e5be65-a382-4f24-8c35-c773658f422e": [ "c17d74b1-bb32-415e-9399-c2edc1bde471" ], "9c78b648-c00f-422e-af52-407b67b15a3f": [ "c17d74b1-bb32-415e-9399-c2edc1bde471" ], "c6ec680e-0002-4c93-af78-16a0e66adbc7": [ "c17d74b1-bb32-415e-9399-c2edc1bde471" ], "b25dd1ea-ad04-451e-b4da-3120e8bf4e9f": [ "c17d74b1-bb32-415e-9399-c2edc1bde471" ], "f7c638a6-cf11-442f-ac40-1027441353dc": [ "be8e7a92-629a-45c7-9674-ca0101ed353f" ], "3a9d707c-7f25-4436-8af6-379dbae7bb9e": [ "be8e7a92-629a-45c7-9674-ca0101ed353f" ], "1c9dfc0a-e4ef-4edb-9acb-ef0693492565": [ "be8e7a92-629a-45c7-9674-ca0101ed353f" ], "a2ff60b2-e419-4eed-9d44-efba90bdd6e4": [ "be8e7a92-629a-45c7-9674-ca0101ed353f" ], "a13e1520-efb2-4c8d-837b-93cb450691f3": [ "be8e7a92-629a-45c7-9674-ca0101ed353f" ], "5c6c89bb-6723-4170-a42a-e5d81fb0b511": [ "be8e7a92-629a-45c7-9674-ca0101ed353f" ], "e10ace2d-7892-4668-a67d-b55502af1929": [ "be8e7a92-629a-45c7-9674-ca0101ed353f" ], "0ddeb342-5fed-4f46-bef9-4e566513a5b1": [ "be8e7a92-629a-45c7-9674-ca0101ed353f" ], "a1b5e326-870b-4f3e-87fc-12b60a90436e": [ "be8e7a92-629a-45c7-9674-ca0101ed353f" ], "99b9d4f4-065b-4860-904e-63269376fdc2": [ "be8e7a92-629a-45c7-9674-ca0101ed353f" ], "a45848c7-64f6-431f-a984-42e3c70b5a31": [ "8f62070e-8c76-4f9a-99ae-051be9ca8af4" ], "2f551e1e-1301-4615-8229-9efca7482076": [ "8f62070e-8c76-4f9a-99ae-051be9ca8af4" ], "d5363360-9e29-48e2-b9f8-66660b461508": [ "8f62070e-8c76-4f9a-99ae-051be9ca8af4" ], "4211c4ea-401b-453c-b982-f0ac57f27d25": [ "8f62070e-8c76-4f9a-99ae-051be9ca8af4" ], "ff3df78c-1089-4245-b8be-d5434d8749c3": [ "8f62070e-8c76-4f9a-99ae-051be9ca8af4" ], "53dd3b8e-ce0f-4bce-ac83-4031ad80af2e": [ "8f62070e-8c76-4f9a-99ae-051be9ca8af4" ], "eff66daa-29e1-457a-9ef9-db530ad493bb": [ "8f62070e-8c76-4f9a-99ae-051be9ca8af4" ], "9917e114-530a-4e83-a2c5-b37d214cd6ba": [ "8f62070e-8c76-4f9a-99ae-051be9ca8af4" ], "484a3c30-6a84-48c5-a6e7-08dabf9e647d": [ "8f62070e-8c76-4f9a-99ae-051be9ca8af4" ], "ba4019b0-15ce-4239-a786-f662e790ac6b": [ "8f62070e-8c76-4f9a-99ae-051be9ca8af4" ], "bfeb440b-4f5e-46dd-94eb-2df15367ec3c": [ "e0124334-9060-4d62-a1f4-cb9b4db56b56" ], "06b278e1-2afe-4e6b-8a8c-5fb43fa63835": [ "e0124334-9060-4d62-a1f4-cb9b4db56b56" ], "d1e86fdc-283c-4d04-9cc1-a84b895b7c8e": [ "e0124334-9060-4d62-a1f4-cb9b4db56b56" ], "483ac645-e775-409e-b5cf-7f5a9c9db22a": [ "e0124334-9060-4d62-a1f4-cb9b4db56b56" ], "d51fbf48-def0-48c5-9602-8d1f0d8863c9": [ "e0124334-9060-4d62-a1f4-cb9b4db56b56" ], "73f47b26-ac8c-4cef-ac54-c2cacaa32bf4": [ "e0124334-9060-4d62-a1f4-cb9b4db56b56" ], "247a5e94-d1d8-4dd4-a25d-d6d1a1f56ec5": [ "e0124334-9060-4d62-a1f4-cb9b4db56b56" ], "4523d8d5-ce08-4c43-bb4a-16291df58d15": [ "e0124334-9060-4d62-a1f4-cb9b4db56b56" ], "65dd3575-a700-471e-ae77-45d026b72ef6": [ "e0124334-9060-4d62-a1f4-cb9b4db56b56" ], "f5ed8ec8-b209-43f3-a451-1984e55d24fb": [ "e0124334-9060-4d62-a1f4-cb9b4db56b56" ], "9b71b77c-2328-4cda-9f04-71fb1b7f3f9b": [ "754221df-523c-4c4a-b026-5f45b6b44333" ], "b7bf7d85-936f-4992-aef7-715171491e19": [ "754221df-523c-4c4a-b026-5f45b6b44333" ], "6208831d-715c-4ec7-a850-60373554eb26": [ "754221df-523c-4c4a-b026-5f45b6b44333" ], "c1d14c50-92e0-4650-a12c-133c19915b13": [ "754221df-523c-4c4a-b026-5f45b6b44333" ], "62d7d2ae-50f0-43ae-99a5-cfd290bac28e": [ "754221df-523c-4c4a-b026-5f45b6b44333" ], "f439bfdd-c3b3-42b7-aa8a-fe3565490279": [ "754221df-523c-4c4a-b026-5f45b6b44333" ], "789f2ac3-1b74-4805-8e66-7c6bd8fbefe7": [ "754221df-523c-4c4a-b026-5f45b6b44333" ], "32e2c15f-b8f8-4e3d-a9ad-5d6792bd544d": [ "754221df-523c-4c4a-b026-5f45b6b44333" ], "72d1f8a2-57da-4ac3-9c98-2ebf34634933": [ "754221df-523c-4c4a-b026-5f45b6b44333" ], "98beb1ee-5b2a-4cec-bb0f-6532705d3bb3": [ "754221df-523c-4c4a-b026-5f45b6b44333" ], "8c11e45c-876c-4ce5-ab4e-96648ee5783d": [ "5fdc4552-7297-448b-8df8-b15981b72efa" ], "6e5c108b-1e74-43fc-bc6c-40f2b36df243": [ "5fdc4552-7297-448b-8df8-b15981b72efa" ], "cd33dcc2-399a-4b03-be68-d47e384d98e0": [ "5fdc4552-7297-448b-8df8-b15981b72efa" ], "5049c2ba-fcf3-4a33-9057-4db2ecd3a32a": [ "5fdc4552-7297-448b-8df8-b15981b72efa" ], "e8002a50-a796-4b27-a827-fc2d4d45d46b": [ "5fdc4552-7297-448b-8df8-b15981b72efa" ], "72e18fff-9bdc-4a17-aaaa-f4ac25cf08c9": [ "5fdc4552-7297-448b-8df8-b15981b72efa" ], "9bb3f500-efaf-4f93-9ff0-caf7fa7eff07": [ "5fdc4552-7297-448b-8df8-b15981b72efa" ], "9dd428ca-612c-4146-a5f4-2e873bc76fbf": [ "5fdc4552-7297-448b-8df8-b15981b72efa" ], "dbba06b5-ae4c-445b-9011-b4c1d9a893d3": [ "5fdc4552-7297-448b-8df8-b15981b72efa" ], "a279750a-aaa9-473d-8dc8-706a4f4d2c09": [ "5fdc4552-7297-448b-8df8-b15981b72efa" ], "aade46b6-ba6c-4ee6-8a2a-b368186df258": [ "7b4d41a6-8e6d-4fb9-8788-a87a2b52a467" ], "c52606cd-88e3-4380-8b3c-a98f839d12f2": [ "7b4d41a6-8e6d-4fb9-8788-a87a2b52a467" ], "a3393cf5-652b-40a9-ab05-06a945b55cc1": [ "7b4d41a6-8e6d-4fb9-8788-a87a2b52a467" ], "5e3ea62c-878a-4a85-ae3d-8809a5014622": [ "7b4d41a6-8e6d-4fb9-8788-a87a2b52a467" ], "8df867ed-c6fd-40f4-b670-1a6392b04edb": [ "7b4d41a6-8e6d-4fb9-8788-a87a2b52a467" ], "0f6d95bc-6e74-41f3-b665-cb7b6821c033": [ "7b4d41a6-8e6d-4fb9-8788-a87a2b52a467" ], "71a07658-0a4e-4ef2-b7ad-6e8078e8e221": [ "7b4d41a6-8e6d-4fb9-8788-a87a2b52a467" ], "0e84a0bf-c6be-4624-87f9-c866ca59eb3f": [ "7b4d41a6-8e6d-4fb9-8788-a87a2b52a467" ], "1c46a044-3867-48b4-95a7-b21e57c64fa2": [ "7b4d41a6-8e6d-4fb9-8788-a87a2b52a467" ], "baa0a0b9-7736-4c6d-8b1e-48acbf4994c1": [ "7b4d41a6-8e6d-4fb9-8788-a87a2b52a467" ], "ed702c09-24a3-4f39-9a43-f88ea749b0f9": [ "c853f08c-b395-424f-af8a-1d5c62db696d" ], "e52acb58-eff6-48be-96db-781a115e1bd1": [ "c853f08c-b395-424f-af8a-1d5c62db696d" ], "f07e2507-851e-4c3a-b522-40abaafdfff3": [ "c853f08c-b395-424f-af8a-1d5c62db696d" ], "a42d4d8d-edf9-41c0-93c7-cf7364ffe8d8": [ "c853f08c-b395-424f-af8a-1d5c62db696d" ], "bc7e1093-2672-44c1-9642-7ee2e672ad42": [ "c853f08c-b395-424f-af8a-1d5c62db696d" ], "48caed2c-01cf-4998-951b-9b747df695a6": [ "c853f08c-b395-424f-af8a-1d5c62db696d" ], "a251ae37-2358-4c36-8c63-48138697fe08": [ "c853f08c-b395-424f-af8a-1d5c62db696d" ], "52cf00d7-e71c-403c-aa03-408bf5e45d7e": [ "c853f08c-b395-424f-af8a-1d5c62db696d" ], "806d4c12-ee9c-4971-bd91-eeca9e965d1d": [ "c853f08c-b395-424f-af8a-1d5c62db696d" ], "776507f1-8353-4a50-b642-5f0586957b0c": [ "c853f08c-b395-424f-af8a-1d5c62db696d" ], "89795e6e-c9e7-4c60-9db0-da8d6bbf5c6f": [ "b569db9e-787d-4627-bc11-ec6962c8e4c1" ], "61bde5c2-211d-4013-8e62-4789ee11e5c4": [ "b569db9e-787d-4627-bc11-ec6962c8e4c1" ], "5b9b296e-8499-4c0d-9fc1-08ad3658f632": [ "b569db9e-787d-4627-bc11-ec6962c8e4c1" ], "5e83e0c9-d5cc-48df-8b82-f74dea979c96": [ "b569db9e-787d-4627-bc11-ec6962c8e4c1" ], "241dbf9c-706f-45a6-9450-95a9faf03d97": [ "b569db9e-787d-4627-bc11-ec6962c8e4c1" ], "ca8e1664-f388-4dc3-b734-b48b037f6c01": [ "b569db9e-787d-4627-bc11-ec6962c8e4c1" ], "f7156970-9052-467c-88e1-f7d75971fbfd": [ "b569db9e-787d-4627-bc11-ec6962c8e4c1" ], "87cff7b3-74a8-42f7-806f-96328089d514": [ "b569db9e-787d-4627-bc11-ec6962c8e4c1" ], "8340462d-d1c1-424f-9649-145dfb04ae0a": [ "b569db9e-787d-4627-bc11-ec6962c8e4c1" ], "b1d3a0b2-0676-408e-9c67-1ed5b6fa041f": [ "b569db9e-787d-4627-bc11-ec6962c8e4c1" ], "2669bc72-51eb-47d7-b451-e746b02ddd66": [ "10c6ec67-3536-4fe9-9eea-ea9655d8fda1" ], "a37ab8df-546a-42eb-8c72-c9e2809a4465": [ "10c6ec67-3536-4fe9-9eea-ea9655d8fda1" ], "53e7733b-dcea-4e88-b3a4-6c1bd6d067a0": [ "10c6ec67-3536-4fe9-9eea-ea9655d8fda1" ], "426edc39-1d5e-4680-802f-af6807805b3e": [ "10c6ec67-3536-4fe9-9eea-ea9655d8fda1" ], "78deb3f1-c58b-42f6-96ed-27e3b41694af": [ "10c6ec67-3536-4fe9-9eea-ea9655d8fda1" ], "663252c9-674e-43c9-aacf-bfd7b0c3f2c3": [ "10c6ec67-3536-4fe9-9eea-ea9655d8fda1" ], "caf69a56-0fb0-46a7-abc0-5632ac682f2b": [ "10c6ec67-3536-4fe9-9eea-ea9655d8fda1" ], "d2b36c03-a9e9-4bbb-a032-8c23e168e174": [ "10c6ec67-3536-4fe9-9eea-ea9655d8fda1" ], "a6f130aa-dd2e-4f62-96b6-23f4566dea8c": [ "10c6ec67-3536-4fe9-9eea-ea9655d8fda1" ], "ff38d310-9735-490a-9087-bb9c78c8e0d3": [ "10c6ec67-3536-4fe9-9eea-ea9655d8fda1" ], "acfe42bd-bc8b-444f-a18d-bcd0e9be869c": [ "a5d38158-6f24-4427-bbe5-2d25269d919f" ], "1b17b816-80eb-4031-beef-ee6ed6a901d0": [ "a5d38158-6f24-4427-bbe5-2d25269d919f" ], "ff657e47-c223-49c2-8ef5-b2c2095867f6": [ "a5d38158-6f24-4427-bbe5-2d25269d919f" ], "f91e52db-d48c-43bb-8a6e-c15a5d7d564d": [ "a5d38158-6f24-4427-bbe5-2d25269d919f" ], "04b7b2dc-a57a-4ec5-8710-ed529076401d": [ "a5d38158-6f24-4427-bbe5-2d25269d919f" ], "74c51370-458d-406b-9fae-ef3ec437a8bc": [ "a5d38158-6f24-4427-bbe5-2d25269d919f" ], "9362e350-252c-49d9-9c01-ca665710b12b": [ "a5d38158-6f24-4427-bbe5-2d25269d919f" ], "7aed99ac-3d21-40a0-aa3c-d20ec6e5d771": [ "a5d38158-6f24-4427-bbe5-2d25269d919f" ], "0f708620-81a4-41af-8eed-b19c39f7831e": [ "a5d38158-6f24-4427-bbe5-2d25269d919f" ], "771ad4cf-4b9d-4dc8-a339-d18bd7189e7a": [ "a5d38158-6f24-4427-bbe5-2d25269d919f" ], "283bdfa5-38b9-4832-950d-d191adab32f3": [ "1159505a-724d-4152-bd56-a40e930520ed" ], "a8c578b4-e7ac-46fa-a8d7-a5b9dae3cc6a": [ "1159505a-724d-4152-bd56-a40e930520ed" ], "51c1a21a-1868-46e5-974a-ed11761d5b10": [ "1159505a-724d-4152-bd56-a40e930520ed" ], "6464c3e8-4a22-4b57-89bd-c985f42b07d1": [ "1159505a-724d-4152-bd56-a40e930520ed" ], "0e745be8-3665-465b-8102-83f4cf1076de": [ "1159505a-724d-4152-bd56-a40e930520ed" ], "6b9e943a-5885-46f2-8d58-257ec80723a5": [ "1159505a-724d-4152-bd56-a40e930520ed" ], "c7bebcda-d445-4bcf-8795-1de308d82000": [ "1159505a-724d-4152-bd56-a40e930520ed" ], "51b82edd-62b4-4b27-98a8-096398880b57": [ "1159505a-724d-4152-bd56-a40e930520ed" ], "68bf0ae1-b518-40de-bde3-1ef06899d81b": [ "1159505a-724d-4152-bd56-a40e930520ed" ], "30b85eca-6d8c-405e-bdb7-91fbe0db6ebc": [ "1159505a-724d-4152-bd56-a40e930520ed" ], "417c049c-29d6-467a-b659-d69f946ec8bb": [ "ae58cd5f-9b58-45a7-a2d1-23523ba36f1f" ], "fc350070-c1bf-41d2-87ce-63fff85e106d": [ "ae58cd5f-9b58-45a7-a2d1-23523ba36f1f" ], "07e893d6-0b91-420f-94f4-30b76eb87674": [ "ae58cd5f-9b58-45a7-a2d1-23523ba36f1f" ], "92ceeb55-9bf1-40c6-82bb-dd9460803a8e": [ "ae58cd5f-9b58-45a7-a2d1-23523ba36f1f" ], "1bf33928-9828-4839-a12a-a10f077e69e7": [ "ae58cd5f-9b58-45a7-a2d1-23523ba36f1f" ], "78d6790e-8fc7-4acc-b017-01855ef78743": [ "ae58cd5f-9b58-45a7-a2d1-23523ba36f1f" ], "15f56fa2-2e0a-485f-81e4-ec77c905c39c": [ "ae58cd5f-9b58-45a7-a2d1-23523ba36f1f" ], "cef19e22-8230-4c0d-95c2-bd05e82ec0d3": [ "ae58cd5f-9b58-45a7-a2d1-23523ba36f1f" ], "74065b41-107b-49e1-9b7e-f4981f852950": [ "ae58cd5f-9b58-45a7-a2d1-23523ba36f1f" ], "8d35157b-b148-4a04-a7e8-5a79a52fed59": [ "ae58cd5f-9b58-45a7-a2d1-23523ba36f1f" ], "4278a168-1424-432f-814a-2ddaf9099c5c": [ "b221e84b-6f23-4ad2-ba5d-8aa5b320a196" ], "c54cb882-ce73-4473-82bc-3421d7fb7f8a": [ "b221e84b-6f23-4ad2-ba5d-8aa5b320a196" ], "8a43f0f0-474c-48b1-8b4c-4bc75c62f73f": [ "b221e84b-6f23-4ad2-ba5d-8aa5b320a196" ], "50037b55-2a35-48d1-8aad-a6bf8255e19b": [ "b221e84b-6f23-4ad2-ba5d-8aa5b320a196" ], "01744a20-2469-4206-8620-058eaff22acf": [ "b221e84b-6f23-4ad2-ba5d-8aa5b320a196" ], "d226eac3-04d4-4cf7-94eb-9959a627fee5": [ "b221e84b-6f23-4ad2-ba5d-8aa5b320a196" ], "cce11aca-dfed-4848-9cff-c68d2c227540": [ "b221e84b-6f23-4ad2-ba5d-8aa5b320a196" ], "05669b80-8763-498b-9915-97f34f4bad53": [ "b221e84b-6f23-4ad2-ba5d-8aa5b320a196" ], "cb9a05ec-363a-4299-a3ca-7a342c11e0ab": [ "b221e84b-6f23-4ad2-ba5d-8aa5b320a196" ], "8588b929-2e48-4b10-87cf-bdadf2c736ce": [ "b221e84b-6f23-4ad2-ba5d-8aa5b320a196" ], "28c540f9-2b26-41b5-8cda-2d4047f203b7": [ "501ea2da-48e1-49a7-8351-206d618d6d5a" ], "9e5e15da-0ef5-4f35-94c9-57c68f7478be": [ "501ea2da-48e1-49a7-8351-206d618d6d5a" ], "70444d8c-f9a3-4c6e-9f8b-eaff18f09cb4": [ "501ea2da-48e1-49a7-8351-206d618d6d5a" ], "638e3432-c30e-419f-b9dc-8291a0d7ffb2": [ "501ea2da-48e1-49a7-8351-206d618d6d5a" ], "b696079f-38c2-477f-a13a-3067340fe923": [ "501ea2da-48e1-49a7-8351-206d618d6d5a" ], "d84d5c8e-d1bb-475b-800f-1d8c684de83a": [ "501ea2da-48e1-49a7-8351-206d618d6d5a" ], "a0d1f0fa-cf96-4a48-a8c4-dc5634f0426d": [ "501ea2da-48e1-49a7-8351-206d618d6d5a" ], "18427104-fb75-4b43-8415-b3682875bfdd": [ "501ea2da-48e1-49a7-8351-206d618d6d5a" ], "e4ec990e-c14e-4817-86d1-b7fc8db3c3df": [ "501ea2da-48e1-49a7-8351-206d618d6d5a" ], "11b589fc-c216-41ce-bd67-dcad59a4b36a": [ "501ea2da-48e1-49a7-8351-206d618d6d5a" ], "34e4cf9e-cf27-4134-b98e-f89c6a1cd90d": [ "85a9c894-da4a-4fe6-bd5f-882daa676c54" ], "5fb82bf6-3d65-4e5a-a029-851b85e94619": [ "85a9c894-da4a-4fe6-bd5f-882daa676c54" ], "ac63702f-d73a-4abf-ab3b-893b7e43e195": [ "85a9c894-da4a-4fe6-bd5f-882daa676c54" ], "4c747a12-20d9-4424-9b47-110bebfd379e": [ "85a9c894-da4a-4fe6-bd5f-882daa676c54" ], "280a2dcb-a793-4e02-a34a-75b2a887affa": [ "85a9c894-da4a-4fe6-bd5f-882daa676c54" ], "a5c89937-1ae1-4510-9bc4-35863c7985b7": [ "85a9c894-da4a-4fe6-bd5f-882daa676c54" ], "24a6195a-b4a5-4af6-9e8c-71934a76207f": [ "85a9c894-da4a-4fe6-bd5f-882daa676c54" ], "07e33983-a778-4a51-93ff-2cf56e4eaa2a": [ "85a9c894-da4a-4fe6-bd5f-882daa676c54" ], "e574cdba-231b-463c-8afe-e822bf191bc3": [ "85a9c894-da4a-4fe6-bd5f-882daa676c54" ], "beca2ac4-65a9-439f-8d87-e8592e085638": [ "85a9c894-da4a-4fe6-bd5f-882daa676c54" ], "7bbfffa3-94b6-4113-b938-ae48858b3f78": [ "f1fabf82-a7bd-4dc6-8734-6783363b1de1" ], "2836ce03-510d-4f21-ba0d-c82dcc303947": [ "f1fabf82-a7bd-4dc6-8734-6783363b1de1" ], "a0611a8b-ca76-435b-adec-208d0165da8d": [ "f1fabf82-a7bd-4dc6-8734-6783363b1de1" ], "e841e71e-f468-4287-8a91-484655552d30": [ "f1fabf82-a7bd-4dc6-8734-6783363b1de1" ], "3df326f6-6400-42f5-87e3-048638ffb90b": [ "f1fabf82-a7bd-4dc6-8734-6783363b1de1" ], "1b082622-c73b-4376-a565-df6e169f982b": [ "f1fabf82-a7bd-4dc6-8734-6783363b1de1" ], "a35582f4-20a4-45fe-b224-2e7120a18cae": [ "f1fabf82-a7bd-4dc6-8734-6783363b1de1" ], "576bf0a3-d832-4a14-a82f-3026beb383c5": [ "f1fabf82-a7bd-4dc6-8734-6783363b1de1" ], "857299b1-058f-4456-9a05-843ad9c924ba": [ "f1fabf82-a7bd-4dc6-8734-6783363b1de1" ], "25387805-66fb-4088-a096-cd319190c306": [ "f1fabf82-a7bd-4dc6-8734-6783363b1de1" ], "788330fa-75ae-4e7c-bbd0-987df5f92728": [ "22ee6b0d-df1d-4eef-827c-694cb8def956" ], "470b3f19-a806-4d18-83e6-7032b64b3486": [ "22ee6b0d-df1d-4eef-827c-694cb8def956" ], "6708501f-a90b-4133-b99c-940742609723": [ "22ee6b0d-df1d-4eef-827c-694cb8def956" ], "9b3f76ba-cf00-4978-81ab-327dd7327a99": [ "22ee6b0d-df1d-4eef-827c-694cb8def956" ], "1fd39981-6633-4e6c-955d-9b9ebcd764a7": [ "22ee6b0d-df1d-4eef-827c-694cb8def956" ], "366fc7b5-fb39-4d58-8e92-1d3e67124bbc": [ "22ee6b0d-df1d-4eef-827c-694cb8def956" ], "be29502c-23c7-4178-8eb6-a749c97376cd": [ "22ee6b0d-df1d-4eef-827c-694cb8def956" ], "de159cc7-7cdd-455f-8e82-e83696b061b2": [ "22ee6b0d-df1d-4eef-827c-694cb8def956" ], "3519b693-4bdc-4c61-8c63-fabdafb9aee4": [ "22ee6b0d-df1d-4eef-827c-694cb8def956" ], "d966d12f-adc7-439e-9a0e-f50c39af1e81": [ "22ee6b0d-df1d-4eef-827c-694cb8def956" ], "a136b278-2d25-4306-839c-4daede6e6de6": [ "ec5502af-1a50-4fcb-ac89-58a9666b9cb9" ], "3633c578-ea04-4500-aeff-15368d11251d": [ "ec5502af-1a50-4fcb-ac89-58a9666b9cb9" ], "865ec021-6050-427e-9283-00f8cef244b3": [ "ec5502af-1a50-4fcb-ac89-58a9666b9cb9" ], "3ce90c56-2422-4a1f-a50d-b37ab518ddbb": [ "ec5502af-1a50-4fcb-ac89-58a9666b9cb9" ], "08feb15b-1ea4-42a6-b97d-ef769db5ab2d": [ "ec5502af-1a50-4fcb-ac89-58a9666b9cb9" ], "50f447e9-f203-4bbf-9bd2-15318275a21b": [ "ec5502af-1a50-4fcb-ac89-58a9666b9cb9" ], "23932429-ac77-4bb5-866e-72599b511ee0": [ "ec5502af-1a50-4fcb-ac89-58a9666b9cb9" ], "e35c50c8-8618-41dc-8efd-4296e4612c27": [ "ec5502af-1a50-4fcb-ac89-58a9666b9cb9" ], "2e27219e-3751-43d0-87ae-ba3eb35d9fa0": [ "ec5502af-1a50-4fcb-ac89-58a9666b9cb9" ], "bd684dc5-b1b2-4ea7-8886-726319ce4647": [ "ec5502af-1a50-4fcb-ac89-58a9666b9cb9" ], "d1c09464-9ccf-482b-90dd-511ac6be470f": [ "9b7da7fe-541f-4b08-bf5e-89dcfb5c3d0d" ], "d4a59a69-4b81-4b36-8ae8-6a4e1f444776": [ "9b7da7fe-541f-4b08-bf5e-89dcfb5c3d0d" ], "ae05fafb-8cd6-4be0-92ed-3f0f6ccea778": [ "9b7da7fe-541f-4b08-bf5e-89dcfb5c3d0d" ], "fed63acd-46d2-4d97-81d1-845d47216981": [ "9b7da7fe-541f-4b08-bf5e-89dcfb5c3d0d" ], "1edb090a-ee3a-45c9-8a23-3cd505c5e0d8": [ "9b7da7fe-541f-4b08-bf5e-89dcfb5c3d0d" ], "019c537c-b872-4339-a404-184867a8e200": [ "9b7da7fe-541f-4b08-bf5e-89dcfb5c3d0d" ], "351adf72-7ca8-4ed9-9b02-119ef8a3c9ec": [ "9b7da7fe-541f-4b08-bf5e-89dcfb5c3d0d" ], "57d14c0d-d0f7-4a83-9d4d-5ce43a8ee8ac": [ "9b7da7fe-541f-4b08-bf5e-89dcfb5c3d0d" ], "c293e91a-34fa-4aee-aa9c-24680118d1c8": [ "9b7da7fe-541f-4b08-bf5e-89dcfb5c3d0d" ], "36d6c16c-507c-45b6-ae21-ea4f114580f3": [ "9b7da7fe-541f-4b08-bf5e-89dcfb5c3d0d" ], "48d059a0-3fd1-4427-a61e-015b98c1b6ae": [ "9a1aa41f-b9db-40d1-8d5b-1933e5ed5126" ], "51889314-21d6-4a01-8ed6-cbd7afaf7d8e": [ "9a1aa41f-b9db-40d1-8d5b-1933e5ed5126" ], "5cebaa9c-99c2-4e95-9f07-00eefe79eeda": [ "9a1aa41f-b9db-40d1-8d5b-1933e5ed5126" ], "9f773dbd-e28c-4262-b3b3-6bad3f489b75": [ "9a1aa41f-b9db-40d1-8d5b-1933e5ed5126" ], "94634a4c-93d1-4c04-9d46-8b7c2081931a": [ "9a1aa41f-b9db-40d1-8d5b-1933e5ed5126" ], "406ca61a-1595-422a-9f7e-23fcb58699ca": [ "9a1aa41f-b9db-40d1-8d5b-1933e5ed5126" ], "99d757bc-f674-4fd8-87f7-91ef79c41485": [ "9a1aa41f-b9db-40d1-8d5b-1933e5ed5126" ], "90a51a5c-b5c7-49a4-98d9-4f582ce5bc4e": [ "9a1aa41f-b9db-40d1-8d5b-1933e5ed5126" ], "1814dc96-fdd0-4359-95d1-197844de9c5c": [ "9a1aa41f-b9db-40d1-8d5b-1933e5ed5126" ], "39239356-029d-47bb-ae7c-5d41dd8b6dd5": [ "9a1aa41f-b9db-40d1-8d5b-1933e5ed5126" ], "e79b3ede-871c-4dce-a1d0-28dd08e83cb3": [ "a9545d0a-2f62-46a5-8797-b79ef94686d6" ], "0bd57138-4f73-43ec-8900-740aaecceff4": [ "a9545d0a-2f62-46a5-8797-b79ef94686d6" ], "ba73f766-f69d-477d-9d82-5f1f8658015c": [ "a9545d0a-2f62-46a5-8797-b79ef94686d6" ], "bdf97225-e46b-40d6-9433-8b9e75c61820": [ "a9545d0a-2f62-46a5-8797-b79ef94686d6" ], "d5703601-8199-4be6-95f6-389e0fad7e92": [ "a9545d0a-2f62-46a5-8797-b79ef94686d6" ], "6ab6f1f1-683c-4844-a34d-0b6e2356763d": [ "a9545d0a-2f62-46a5-8797-b79ef94686d6" ], "785754ae-fb03-4201-bf9a-cc9ee818cd24": [ "a9545d0a-2f62-46a5-8797-b79ef94686d6" ], "6c8a42d3-7c3c-4800-b94a-edc7b8111b4a": [ "a9545d0a-2f62-46a5-8797-b79ef94686d6" ], "39826885-fe34-41e6-80f4-64ba91672308": [ "a9545d0a-2f62-46a5-8797-b79ef94686d6" ], "86d540dd-8e5c-4650-989d-30383c5d8c26": [ "a9545d0a-2f62-46a5-8797-b79ef94686d6" ], "8cb19b83-9587-4a98-b143-5cd98d3ea3b4": [ "abe0831a-f096-421e-a79d-43c20e5d4b06" ], "eceec383-ca41-4fe7-9810-a5dc80de1513": [ "abe0831a-f096-421e-a79d-43c20e5d4b06" ], "693f8223-70aa-4d91-b0c5-78879bfa2f57": [ "abe0831a-f096-421e-a79d-43c20e5d4b06" ], "1e766a6b-b0fe-4f74-b8b0-35f9d3333432": [ "abe0831a-f096-421e-a79d-43c20e5d4b06" ], "becabce3-3924-4514-a3e5-4d8ecbdadbfc": [ "abe0831a-f096-421e-a79d-43c20e5d4b06" ], "e7fd4e7f-6fac-4668-842e-0c4bf93f5f60": [ "abe0831a-f096-421e-a79d-43c20e5d4b06" ], "b558dfe5-7615-4ae8-921b-2483243530ed": [ "abe0831a-f096-421e-a79d-43c20e5d4b06" ], "020e6abd-800d-4ed4-96a6-e35854389b88": [ "abe0831a-f096-421e-a79d-43c20e5d4b06" ], "9414dd48-a8ce-4b16-9aef-6ac829433124": [ "abe0831a-f096-421e-a79d-43c20e5d4b06" ], "51f98905-d333-482b-b3ad-fa0c342440cb": [ "abe0831a-f096-421e-a79d-43c20e5d4b06" ], "9b6e6a08-3661-44fa-a3b1-bdfc167d833d": [ "be681281-f5ab-434a-b67b-052360fbcff7" ], "749f9f84-701e-4146-b18b-74f5df9146ee": [ "be681281-f5ab-434a-b67b-052360fbcff7" ], "2362e253-62a0-42a8-b9ad-3d2c94dd8013": [ "be681281-f5ab-434a-b67b-052360fbcff7" ], "ed5c007a-2df1-4706-9081-f262574aa088": [ "be681281-f5ab-434a-b67b-052360fbcff7" ], "285b216c-f12b-4446-ad8c-0a804cad7828": [ "be681281-f5ab-434a-b67b-052360fbcff7" ], "05c4b48c-78a2-4c2a-89c9-e7faa830b7c8": [ "be681281-f5ab-434a-b67b-052360fbcff7" ], "0ad21ff9-b7ba-4e3f-9a28-66ca6130b59d": [ "be681281-f5ab-434a-b67b-052360fbcff7" ], "10413762-a336-4901-80e8-3d58807a80f7": [ "be681281-f5ab-434a-b67b-052360fbcff7" ], "8eccaa5d-34e7-4bf1-a6e6-1c9b57a59d91": [ "be681281-f5ab-434a-b67b-052360fbcff7" ], "7a4a10dc-f6bc-44e8-94d9-34f6d2058f95": [ "be681281-f5ab-434a-b67b-052360fbcff7" ], "553ca36e-8472-4f40-9108-5639f9302a34": [ "470eeeb8-50f4-4a7a-9abb-1739364de621" ], "944c80ec-a352-4c1e-a0e0-a178f3caf3b9": [ "470eeeb8-50f4-4a7a-9abb-1739364de621" ], "021900d1-4a06-4864-8f3f-37f074ee8031": [ "470eeeb8-50f4-4a7a-9abb-1739364de621" ], "a05b2b21-e67f-4ed3-b8ae-fdfb33038ead": [ "470eeeb8-50f4-4a7a-9abb-1739364de621" ], "3df21ffe-ac87-4bec-b862-10545c8fc0e9": [ "470eeeb8-50f4-4a7a-9abb-1739364de621" ], "d4f2701e-f1d1-4795-88f7-e614a18d9677": [ "470eeeb8-50f4-4a7a-9abb-1739364de621" ], "24233f50-2795-4c6a-b608-dda6b2be588b": [ "470eeeb8-50f4-4a7a-9abb-1739364de621" ], "57b4a2aa-f887-4f3c-b228-698ff6f65554": [ "470eeeb8-50f4-4a7a-9abb-1739364de621" ], "a54f4573-ddee-4763-841a-8d8ac36628e6": [ "470eeeb8-50f4-4a7a-9abb-1739364de621" ], "3a01ba59-eca4-41dc-b8b9-1eb81a4c5c5e": [ "470eeeb8-50f4-4a7a-9abb-1739364de621" ], "ef2ced7d-c107-4585-bf6b-657163f765ae": [ "3546abaa-11b0-48ae-bbd9-3cca9594cd03" ], "1555a34d-6476-4485-a3be-50eb92326436": [ "3546abaa-11b0-48ae-bbd9-3cca9594cd03" ], "264e19c2-9115-4542-bd20-2e2d2475b61f": [ "3546abaa-11b0-48ae-bbd9-3cca9594cd03" ], "645ac1b1-2a2a-4c33-9dc1-75ce40ac1aae": [ "3546abaa-11b0-48ae-bbd9-3cca9594cd03" ], "9e9930ce-f297-4957-98d7-63424facb761": [ "3546abaa-11b0-48ae-bbd9-3cca9594cd03" ], "6b64d0b1-d3c9-4b4e-a9ac-df07c264f206": [ "3546abaa-11b0-48ae-bbd9-3cca9594cd03" ], "4933787e-b674-4f30-a25f-3f55c212c875": [ "3546abaa-11b0-48ae-bbd9-3cca9594cd03" ], "8de11fb8-76be-473b-8caf-00f0a22be636": [ "3546abaa-11b0-48ae-bbd9-3cca9594cd03" ], "98c8faee-2ce5-4515-af55-d0814f3f9a2a": [ "3546abaa-11b0-48ae-bbd9-3cca9594cd03" ], "df0c7193-bee0-4024-b080-36a0d8a5ef7b": [ "3546abaa-11b0-48ae-bbd9-3cca9594cd03" ], "a3c3481a-e7de-4208-a454-705aacac7419": [ "fc35363c-d88a-4817-8d1a-02f6501206cd" ], "50503610-33fb-4d80-b941-6151ec5a1450": [ "fc35363c-d88a-4817-8d1a-02f6501206cd" ], "49f07b85-6fb6-4167-bc41-70f5682f052a": [ "fc35363c-d88a-4817-8d1a-02f6501206cd" ], "eb53b5be-df54-4ddc-84d7-d3017f10895a": [ "fc35363c-d88a-4817-8d1a-02f6501206cd" ], "7a5a62ce-6474-4d99-b35c-33fbb4306004": [ "fc35363c-d88a-4817-8d1a-02f6501206cd" ], "a55e423f-8408-48fc-95af-b58d853ca777": [ "fc35363c-d88a-4817-8d1a-02f6501206cd" ], "10a1b5ca-687f-4288-af14-ea1879b225ba": [ "fc35363c-d88a-4817-8d1a-02f6501206cd" ], "4100b87c-f7ee-40df-97f8-738a87dd8f87": [ "fc35363c-d88a-4817-8d1a-02f6501206cd" ], "6d36d8c7-aa98-4d2b-b55d-65309204c38e": [ "fc35363c-d88a-4817-8d1a-02f6501206cd" ], "0064cb82-78fb-4106-9f96-e689aee0c4ba": [ "fc35363c-d88a-4817-8d1a-02f6501206cd" ], "608cbc31-3949-403b-8de1-6c732f0a4994": [ "4e4df6df-c139-44ae-9d83-393b70e896ab" ], "9764e0b1-434f-458a-908c-50e1e7bb9f13": [ "4e4df6df-c139-44ae-9d83-393b70e896ab" ], "597e83c3-5dd4-4291-8875-9ded2616032f": [ "4e4df6df-c139-44ae-9d83-393b70e896ab" ], "b2dec8e6-67eb-4fb5-90f2-b697f5d1a15a": [ "4e4df6df-c139-44ae-9d83-393b70e896ab" ], "e6131ba7-8056-4bd1-b6bf-3634c3dbed1f": [ "4e4df6df-c139-44ae-9d83-393b70e896ab" ], "7b8a4816-86cc-45f2-9109-b5696e6cf79c": [ "4e4df6df-c139-44ae-9d83-393b70e896ab" ], "e9ea6a8d-295e-4015-b352-ec032705f8f1": [ "4e4df6df-c139-44ae-9d83-393b70e896ab" ], "210f8d05-b7ad-4d2d-821c-59b0c894eee7": [ "4e4df6df-c139-44ae-9d83-393b70e896ab" ], "8e968790-a071-4d23-b5c2-5955403b53b9": [ "4e4df6df-c139-44ae-9d83-393b70e896ab" ], "c59a1c98-9adc-4177-9a22-62387d9deee6": [ "4e4df6df-c139-44ae-9d83-393b70e896ab" ], "a1a87e72-7343-4d6c-b137-68f07e08488e": [ "a4f527b9-afe6-45c6-9803-a8ac2f63771e" ], "c7ce1dfb-8cc2-42ff-8054-6cb94574560b": [ "a4f527b9-afe6-45c6-9803-a8ac2f63771e" ], "ede84c99-8402-4e28-8845-391ae809bea6": [ "a4f527b9-afe6-45c6-9803-a8ac2f63771e" ], "0e4c4b84-461d-46d5-a821-8169d87ff08f": [ "a4f527b9-afe6-45c6-9803-a8ac2f63771e" ], "3e64b450-79f8-4ce6-a404-884227e38476": [ "a4f527b9-afe6-45c6-9803-a8ac2f63771e" ], "bbf1fdd5-4d7a-4698-b37f-f22d1d2235fa": [ "a4f527b9-afe6-45c6-9803-a8ac2f63771e" ], "4581d706-9e26-466b-bfaf-d03f284d5f73": [ "a4f527b9-afe6-45c6-9803-a8ac2f63771e" ], "8437eadc-7e8f-431d-a863-4b4112d312e6": [ "a4f527b9-afe6-45c6-9803-a8ac2f63771e" ], "30f05378-2a58-4c72-9652-287d8f260b35": [ "a4f527b9-afe6-45c6-9803-a8ac2f63771e" ], "610beff7-e288-425e-8a33-1d56263113b6": [ "a4f527b9-afe6-45c6-9803-a8ac2f63771e" ], "f1373832-11dc-46d2-adb6-605683aa15d2": [ "a915cbc0-4fb1-4ccd-b515-d763bf9f1d79" ], "6e1aae82-17f5-4e2b-a2ec-9ee91c83e7ea": [ "a915cbc0-4fb1-4ccd-b515-d763bf9f1d79" ], "7acc0278-e02b-4a29-b282-0756ff0de797": [ "a915cbc0-4fb1-4ccd-b515-d763bf9f1d79" ], "af1065ad-bb86-48ec-9dd4-bcff8794d410": [ "a915cbc0-4fb1-4ccd-b515-d763bf9f1d79" ], "0155fe26-c292-4c15-a38d-ab4c48f9ef79": [ "a915cbc0-4fb1-4ccd-b515-d763bf9f1d79" ], "0a33991e-86a1-4c24-b545-f38e68823ce8": [ "a915cbc0-4fb1-4ccd-b515-d763bf9f1d79" ], "589cbc66-ae0c-482b-bc0a-fb0b8a41ea8e": [ "a915cbc0-4fb1-4ccd-b515-d763bf9f1d79" ], "325db84e-a9fd-44c1-ae87-95dd3530c1ee": [ "a915cbc0-4fb1-4ccd-b515-d763bf9f1d79" ], "2649ff04-1a89-4e02-826a-efe62c01d16a": [ "a915cbc0-4fb1-4ccd-b515-d763bf9f1d79" ], "c131b83d-952b-432b-bd71-dec4f9eb8d93": [ "a915cbc0-4fb1-4ccd-b515-d763bf9f1d79" ], "923645c0-e001-4ff2-9010-7276913fbad3": [ "8da8ccc6-60d5-47e3-beb7-702b0306a3b0" ], "c16ba27e-9ce8-4ccd-ba85-23e7c081c373": [ "8da8ccc6-60d5-47e3-beb7-702b0306a3b0" ], "ab5ea63d-5829-4b45-83f3-a8f575d7f6e6": [ "8da8ccc6-60d5-47e3-beb7-702b0306a3b0" ], "6ede23fd-4edd-4282-b6ba-7c2e5a896238": [ "8da8ccc6-60d5-47e3-beb7-702b0306a3b0" ], "b4001265-924b-4df0-b510-08ff00642b80": [ "8da8ccc6-60d5-47e3-beb7-702b0306a3b0" ], "6b38c795-f2ab-44d4-a3fc-21c4754348ab": [ "8da8ccc6-60d5-47e3-beb7-702b0306a3b0" ], "a93bbb8d-868f-416b-a4d5-8683b47cb98f": [ "8da8ccc6-60d5-47e3-beb7-702b0306a3b0" ], "fbe9b544-f2d1-42b1-8c99-3f126d8d4c09": [ "8da8ccc6-60d5-47e3-beb7-702b0306a3b0" ], "38e29032-7d62-42ba-9c95-efd27b4b2f88": [ "8da8ccc6-60d5-47e3-beb7-702b0306a3b0" ], "11303367-be8d-4b85-8025-8b26a939fbfc": [ "8da8ccc6-60d5-47e3-beb7-702b0306a3b0" ], "176bbeb8-fecd-410b-a8ad-a5af35a67b2e": [ "36bfea4e-beb9-4015-b29b-9960a44fbcaf" ], "515b33da-6749-43dd-96ae-76be56dbbb86": [ "36bfea4e-beb9-4015-b29b-9960a44fbcaf" ], "69a98c00-f5f3-4dd4-84ca-07af15aa94fe": [ "36bfea4e-beb9-4015-b29b-9960a44fbcaf" ], "c0be3e6a-e6e4-45c6-8629-1303448c14e2": [ "36bfea4e-beb9-4015-b29b-9960a44fbcaf" ], "646262fc-aef4-4a9a-a184-1c04a151a435": [ "36bfea4e-beb9-4015-b29b-9960a44fbcaf" ], "8abd0832-d8d3-47e4-96da-def749ed27d1": [ "36bfea4e-beb9-4015-b29b-9960a44fbcaf" ], "03939fe5-8dbb-43e4-a28a-67605fd86917": [ "36bfea4e-beb9-4015-b29b-9960a44fbcaf" ], "85ead62f-a92b-44ee-a343-bf22f2832fbc": [ "36bfea4e-beb9-4015-b29b-9960a44fbcaf" ], "0c4c510b-63db-4f10-96da-31b9c25b8ee0": [ "36bfea4e-beb9-4015-b29b-9960a44fbcaf" ], "10673e4d-5e84-4250-8f35-b8371534fc86": [ "36bfea4e-beb9-4015-b29b-9960a44fbcaf" ], "f13dfd61-e731-4ed0-9e53-b5cb5a6384bd": [ "fb18c194-9583-4000-a5a6-2fd45922ee04" ], "d468db17-301f-4ee8-8836-944d3690e7fd": [ "fb18c194-9583-4000-a5a6-2fd45922ee04" ], "065e0e70-1db0-4688-b4f3-6d9e428a9ae3": [ "fb18c194-9583-4000-a5a6-2fd45922ee04" ], "d526270a-a890-47ed-8672-0dac4e5a5daa": [ "fb18c194-9583-4000-a5a6-2fd45922ee04" ], "0e5fbae0-8c82-44a4-81b0-68ee12937af5": [ "fb18c194-9583-4000-a5a6-2fd45922ee04" ], "6d2ef403-236b-4fee-81b3-8d205ed091f6": [ "fb18c194-9583-4000-a5a6-2fd45922ee04" ], "5f474a3b-4b09-4323-9dd4-375190e14e8b": [ "fb18c194-9583-4000-a5a6-2fd45922ee04" ], "2505ef72-9648-4f5c-88d0-188ea64abca8": [ "fb18c194-9583-4000-a5a6-2fd45922ee04" ], "3a552830-035c-41de-ad53-025f2c137d21": [ "fb18c194-9583-4000-a5a6-2fd45922ee04" ], "b8e76f76-0327-4bce-a34c-ff7527f7ec4a": [ "fb18c194-9583-4000-a5a6-2fd45922ee04" ], "4d7bf7e2-b4cd-4d06-b442-23d2d8949b41": [ "2d5d027b-9295-4661-9126-1fb4ebe34940" ], "dc769dbc-eb57-4f60-9603-a77ed2667f8f": [ "2d5d027b-9295-4661-9126-1fb4ebe34940" ], "13c02c35-2ea6-4872-b728-abb5a7520bdc": [ "2d5d027b-9295-4661-9126-1fb4ebe34940" ], "99bd64fe-75c2-46ff-b782-e496b84a60d3": [ "2d5d027b-9295-4661-9126-1fb4ebe34940" ], "698a0afa-1080-44fa-b226-cf9b3d1a1dfe": [ "2d5d027b-9295-4661-9126-1fb4ebe34940" ], "3bc7b32e-d542-4e80-9b23-b6a3ac3ec723": [ "2d5d027b-9295-4661-9126-1fb4ebe34940" ], "c8a9e120-4c55-4fe4-ac36-bcc8926c7020": [ "2d5d027b-9295-4661-9126-1fb4ebe34940" ], "5fa7cb11-b1fa-4cc8-a98d-e0dd4773afe5": [ "2d5d027b-9295-4661-9126-1fb4ebe34940" ], "4cc020a3-40a0-4e6f-9201-5678f3b15915": [ "2d5d027b-9295-4661-9126-1fb4ebe34940" ], "6497af82-6abc-4993-97b8-d89c306a177a": [ "2d5d027b-9295-4661-9126-1fb4ebe34940" ], "fd2a49f5-20bc-4090-acb6-e85fb04a28fc": [ "fe156cd3-467a-45c1-9c66-cf9f670c5f7d" ], "481b08ff-e938-493c-8bcc-194eb6bec6a1": [ "fe156cd3-467a-45c1-9c66-cf9f670c5f7d" ], "b46b0426-e8e5-4fea-adbd-aaef78e97080": [ "fe156cd3-467a-45c1-9c66-cf9f670c5f7d" ], "8dc82879-cf10-4557-8e62-a5fb34dedaa1": [ "fe156cd3-467a-45c1-9c66-cf9f670c5f7d" ], "2f846e42-3f08-469c-a042-5215b45a88ac": [ "fe156cd3-467a-45c1-9c66-cf9f670c5f7d" ], "a36afa07-6262-405a-85b4-f2ca08df03eb": [ "fe156cd3-467a-45c1-9c66-cf9f670c5f7d" ], "aae89060-b36a-4b1a-9044-8b67fd836e36": [ "fe156cd3-467a-45c1-9c66-cf9f670c5f7d" ], "db87d436-da7b-4da4-9ff3-9c3533ba04e5": [ "fe156cd3-467a-45c1-9c66-cf9f670c5f7d" ], "74b1b72c-1ec0-4be1-882b-c7862bbc0534": [ "fe156cd3-467a-45c1-9c66-cf9f670c5f7d" ], "eb974076-0515-4e7f-b29a-8430d9c7d283": [ "fe156cd3-467a-45c1-9c66-cf9f670c5f7d" ], "231c32b0-8419-4565-b890-43bebc5602ad": [ "368ac996-3f0e-4701-90fc-7c96794af1c8" ], "9f19eb87-953d-460d-9def-e1d9a828e12e": [ "368ac996-3f0e-4701-90fc-7c96794af1c8" ], "569a6484-07db-4c98-85db-9051c909ca12": [ "368ac996-3f0e-4701-90fc-7c96794af1c8" ], "e7275aff-ba4f-4b56-bf8e-e5a4a8e3b6a2": [ "368ac996-3f0e-4701-90fc-7c96794af1c8" ], "e4c71c29-fb0b-4e4f-93c5-290d82c001ad": [ "368ac996-3f0e-4701-90fc-7c96794af1c8" ], "0e89cd66-986e-409f-94c5-dcd2fb43bab8": [ "368ac996-3f0e-4701-90fc-7c96794af1c8" ], "224f4e6a-f818-4f62-8371-4f51232a541e": [ "368ac996-3f0e-4701-90fc-7c96794af1c8" ], "f8363eb4-f98f-47b1-88d1-b78907682b6a": [ "368ac996-3f0e-4701-90fc-7c96794af1c8" ], "09b886a4-df3f-4b8f-94e1-ff50a672e330": [ "368ac996-3f0e-4701-90fc-7c96794af1c8" ], "2c4f3765-c7cd-4d42-924c-9f9b79f036ab": [ "368ac996-3f0e-4701-90fc-7c96794af1c8" ], "d573791e-ff1f-444f-8cf6-77c4123dbd2d": [ "7a0770e4-d1b8-43ec-b886-2fa5910fbb5f" ], "158ab713-da70-454a-a996-77b265ae0313": [ "7a0770e4-d1b8-43ec-b886-2fa5910fbb5f" ], "8a7aa496-d5f8-4298-925a-357633d1d944": [ "7a0770e4-d1b8-43ec-b886-2fa5910fbb5f" ], "dcaa083e-3991-4d5b-9762-be6669a37c98": [ "7a0770e4-d1b8-43ec-b886-2fa5910fbb5f" ], "5ae0aeb9-9be2-4a96-a59c-cea5a305ecad": [ "7a0770e4-d1b8-43ec-b886-2fa5910fbb5f" ], "8695e2f7-fb41-474f-b9b7-15839844526b": [ "7a0770e4-d1b8-43ec-b886-2fa5910fbb5f" ], "613c5848-1114-44bf-9c44-0b7b4c44a487": [ "7a0770e4-d1b8-43ec-b886-2fa5910fbb5f" ], "5ac21c32-98ed-49f4-a26c-1af341219dca": [ "7a0770e4-d1b8-43ec-b886-2fa5910fbb5f" ], "e5033611-32fa-4d83-8a2c-e49bc12cea17": [ "7a0770e4-d1b8-43ec-b886-2fa5910fbb5f" ], "ef26a57d-a01e-4c64-a950-8eb57c31cf08": [ "7a0770e4-d1b8-43ec-b886-2fa5910fbb5f" ], "2e0c6864-9a48-4f36-825a-06ec98a4cb5e": [ "21c63e13-fc1f-426a-945f-2e70073375c0" ], "6eb18cb2-bf02-42bc-b7e7-4e8542344fc6": [ "21c63e13-fc1f-426a-945f-2e70073375c0" ], "d545831b-e8f0-465c-9998-8e013afd5219": [ "21c63e13-fc1f-426a-945f-2e70073375c0" ], "7340dc79-1de3-4827-a023-aad88c54a72f": [ "21c63e13-fc1f-426a-945f-2e70073375c0" ], "7539720f-c8a8-4c9c-8a7e-21865b0108ee": [ "21c63e13-fc1f-426a-945f-2e70073375c0" ], "87945e95-021b-4baf-b6f1-173f49a17682": [ "21c63e13-fc1f-426a-945f-2e70073375c0" ], "b09bf946-c94b-4395-a74d-2a3458b9ffe9": [ "21c63e13-fc1f-426a-945f-2e70073375c0" ], "706ed184-22c8-45c8-93f8-dfacd67b5f48": [ "21c63e13-fc1f-426a-945f-2e70073375c0" ], "1ea30bee-4a26-4590-bbbc-d2753170a04e": [ "21c63e13-fc1f-426a-945f-2e70073375c0" ], "f5d64255-c584-4730-98ef-d8dcce18996a": [ "21c63e13-fc1f-426a-945f-2e70073375c0" ], "9eca0c27-2e14-4618-add8-175ef7a8d078": [ "66f459ed-c6a4-47e2-a133-ce3632c3c814" ], "fc0e5281-4986-4168-89cd-763412bed8e9": [ "66f459ed-c6a4-47e2-a133-ce3632c3c814" ], "015a21ff-b27d-4a94-86e8-ef8c2a54615e": [ "66f459ed-c6a4-47e2-a133-ce3632c3c814" ], "b91aa02d-2bc9-4657-bb25-5427cff07316": [ "66f459ed-c6a4-47e2-a133-ce3632c3c814" ], "39a7912c-c559-44d7-b895-82deb33334df": [ "66f459ed-c6a4-47e2-a133-ce3632c3c814" ], "b96fcd78-9897-4047-a225-ea9a8803389c": [ "66f459ed-c6a4-47e2-a133-ce3632c3c814" ], "cab2c8b6-5d31-4bdc-b19a-68a9ab1ae13f": [ "66f459ed-c6a4-47e2-a133-ce3632c3c814" ], "73457f18-6719-467c-b2dd-66282da7c789": [ "66f459ed-c6a4-47e2-a133-ce3632c3c814" ], "08c543db-ec5d-4299-9122-fe3df7e08e89": [ "66f459ed-c6a4-47e2-a133-ce3632c3c814" ], "b309ef10-499b-4774-ac53-f776431b080e": [ "66f459ed-c6a4-47e2-a133-ce3632c3c814" ], "b80924d8-de9e-406e-b8a2-7879a98ba49f": [ "f777c985-02a6-4f0a-96d2-fb88fd4e4a34" ], "9ef6e1c7-db04-4a99-a310-51b6f62be3de": [ "f777c985-02a6-4f0a-96d2-fb88fd4e4a34" ], "7dbf549b-5400-47e4-bd51-6b26a76511e2": [ "f777c985-02a6-4f0a-96d2-fb88fd4e4a34" ], "0fdf4c75-04c9-4900-b371-27954f3fb6a5": [ "f777c985-02a6-4f0a-96d2-fb88fd4e4a34" ], "f370ef1b-a308-4afe-852a-5623e63f53cb": [ "f777c985-02a6-4f0a-96d2-fb88fd4e4a34" ], "d81d3731-4caa-4ffd-b65f-150f7b36baf4": [ "f777c985-02a6-4f0a-96d2-fb88fd4e4a34" ], "6b884e68-b360-49ae-8be8-1efc724b1474": [ "f777c985-02a6-4f0a-96d2-fb88fd4e4a34" ], "71d19e3d-a2d3-44d7-b1ec-96ddbd5e9208": [ "f777c985-02a6-4f0a-96d2-fb88fd4e4a34" ], "99aca07b-4d99-4f33-992b-20283d5a10da": [ "f777c985-02a6-4f0a-96d2-fb88fd4e4a34" ], "eba6d3d4-325e-4900-aae6-c180f5d107b1": [ "f777c985-02a6-4f0a-96d2-fb88fd4e4a34" ], "506786f8-2879-4f82-814e-58d9af3cfe7e": [ "3c038b13-9658-464e-9a67-384e5d95691e" ], "a96dc4fa-a16f-46bb-bfeb-f10b19cf5bfa": [ "3c038b13-9658-464e-9a67-384e5d95691e" ], "ea031b28-dbff-4541-91a7-42cf77300306": [ "3c038b13-9658-464e-9a67-384e5d95691e" ], "89a0fa9f-f8ff-41df-b2f7-293fbdb55383": [ "3c038b13-9658-464e-9a67-384e5d95691e" ], "1441053a-4520-4542-b35c-4a40ed2bc9cd": [ "3c038b13-9658-464e-9a67-384e5d95691e" ], "80f82ec9-4ee8-4379-8ced-5b721cbdc244": [ "3c038b13-9658-464e-9a67-384e5d95691e" ], "ffb73cbd-4c82-497d-8759-696f56efbf4a": [ "3c038b13-9658-464e-9a67-384e5d95691e" ], "bf2097ad-9590-4f1c-9de7-564c467d1013": [ "3c038b13-9658-464e-9a67-384e5d95691e" ], "5d2dec94-8fa3-4567-ba07-eb4f89fcd96b": [ "3c038b13-9658-464e-9a67-384e5d95691e" ], "a72ff5a6-bddc-4214-97ee-c5539b51bf18": [ "3c038b13-9658-464e-9a67-384e5d95691e" ], "c23ecb36-87a8-41a4-a486-80efc42c9ef0": [ "993eca10-7cf3-4407-b953-fee5200b1d0e" ], "9dd7db46-fb24-49a6-a732-bffef842cd6f": [ "993eca10-7cf3-4407-b953-fee5200b1d0e" ], "416dbb3b-f286-4263-a6c4-a38622bc5cef": [ "993eca10-7cf3-4407-b953-fee5200b1d0e" ], "f53a1eea-8ebc-4301-a029-a5957cf1ce0a": [ "993eca10-7cf3-4407-b953-fee5200b1d0e" ], "ab446e8c-2774-4e21-b9ea-6d77947e6d1d": [ "993eca10-7cf3-4407-b953-fee5200b1d0e" ], "9737feda-da1b-4243-891c-5cb2019ec355": [ "993eca10-7cf3-4407-b953-fee5200b1d0e" ], "3dced704-818a-4631-bcf0-4fd3430884b7": [ "993eca10-7cf3-4407-b953-fee5200b1d0e" ], "28dbb241-0acd-4cab-9275-8108079e8635": [ "993eca10-7cf3-4407-b953-fee5200b1d0e" ], "2ec4f148-b719-47ee-8b7a-6e39ad9efb81": [ "993eca10-7cf3-4407-b953-fee5200b1d0e" ], "744f3e79-4eea-434b-9f72-4cf6958b0505": [ "993eca10-7cf3-4407-b953-fee5200b1d0e" ] }, "mode": "text" }