[
 {
  "name": "insured for 150,000 of 200,000: a 40,000 loss pays 30,000",
  "args": [
   {
    "minor": 4000000,
    "currency": "GBP"
   },
   {
    "minor": 15000000,
    "currency": "GBP"
   },
   {
    "minor": 20000000,
    "currency": "GBP"
   },
   10000,
   "half-up"
  ],
  "expect": {
   "payout": {
    "minor": 3000000,
    "currency": "GBP"
   },
   "averageApplied": true,
   "insuredProportionBasisPoints": 7500,
   "shortfall": {
    "minor": 1000000,
    "currency": "GBP"
   }
  }
 },
 {
  "name": "fully insured pays the loss",
  "args": [
   {
    "minor": 4000000,
    "currency": "GBP"
   },
   {
    "minor": 20000000,
    "currency": "GBP"
   },
   {
    "minor": 20000000,
    "currency": "GBP"
   },
   10000,
   "half-up"
  ],
  "expect": {
   "payout": {
    "minor": 4000000,
    "currency": "GBP"
   },
   "averageApplied": false,
   "insuredProportionBasisPoints": 10000,
   "shortfall": {
    "minor": 0,
    "currency": "GBP"
   }
  }
 },
 {
  "name": "over-insured pays the loss, and the proportion stops at 100%",
  "args": [
   {
    "minor": 4000000,
    "currency": "GBP"
   },
   {
    "minor": 25000000,
    "currency": "GBP"
   },
   {
    "minor": 20000000,
    "currency": "GBP"
   },
   10000,
   "half-up"
  ],
  "expect": {
   "payout": {
    "minor": 4000000,
    "currency": "GBP"
   },
   "averageApplied": false,
   "insuredProportionBasisPoints": 10000,
   "shortfall": {
    "minor": 0,
    "currency": "GBP"
   }
  }
 },
 {
  "name": "a total loss when underinsured pays the sum insured",
  "args": [
   {
    "minor": 20000000,
    "currency": "GBP"
   },
   {
    "minor": 15000000,
    "currency": "GBP"
   },
   {
    "minor": 20000000,
    "currency": "GBP"
   },
   10000,
   "half-up"
  ],
  "expect": {
   "payout": {
    "minor": 15000000,
    "currency": "GBP"
   },
   "averageApplied": true,
   "insuredProportionBasisPoints": 7500,
   "shortfall": {
    "minor": 5000000,
    "currency": "GBP"
   }
  }
 },
 {
  "name": "special condition of average at 75%: insured for 80% of value, no average",
  "args": [
   {
    "minor": 4000000,
    "currency": "GBP"
   },
   {
    "minor": 16000000,
    "currency": "GBP"
   },
   {
    "minor": 20000000,
    "currency": "GBP"
   },
   7500,
   "half-up"
  ],
  "expect": {
   "payout": {
    "minor": 4000000,
    "currency": "GBP"
   },
   "averageApplied": false,
   "insuredProportionBasisPoints": 8000,
   "shortfall": {
    "minor": 0,
    "currency": "GBP"
   }
  }
 },
 {
  "name": "special condition at 75%: insured for 70%, average applies in full proportion",
  "args": [
   {
    "minor": 4000000,
    "currency": "GBP"
   },
   {
    "minor": 14000000,
    "currency": "GBP"
   },
   {
    "minor": 20000000,
    "currency": "GBP"
   },
   7500,
   "half-up"
  ],
  "expect": {
   "payout": {
    "minor": 2800000,
    "currency": "GBP"
   },
   "averageApplied": true,
   "insuredProportionBasisPoints": 7000,
   "shortfall": {
    "minor": 1200000,
    "currency": "GBP"
   }
  }
 },
 {
  "name": "insured for exactly 75% under the 75% condition: not below it, so no average",
  "args": [
   {
    "minor": 4000000,
    "currency": "GBP"
   },
   {
    "minor": 15000000,
    "currency": "GBP"
   },
   {
    "minor": 20000000,
    "currency": "GBP"
   },
   7500,
   "half-up"
  ],
  "expect": {
   "payout": {
    "minor": 4000000,
    "currency": "GBP"
   },
   "averageApplied": false,
   "insuredProportionBasisPoints": 7500,
   "shortfall": {
    "minor": 0,
    "currency": "GBP"
   }
  }
 },
 {
  "name": "no average, but a loss above the sum insured is capped at it",
  "args": [
   {
    "minor": 19000000,
    "currency": "GBP"
   },
   {
    "minor": 16000000,
    "currency": "GBP"
   },
   {
    "minor": 20000000,
    "currency": "GBP"
   },
   7500,
   "half-up"
  ],
  "expect": {
   "payout": {
    "minor": 16000000,
    "currency": "GBP"
   },
   "averageApplied": false,
   "insuredProportionBasisPoints": 8000,
   "shortfall": {
    "minor": 3000000,
    "currency": "GBP"
   }
  }
 },
 {
  "name": "a third insured: 1,000.00 x 1/3 is 333.333..., half-up 333.33",
  "args": [
   {
    "minor": 100000,
    "currency": "GBP"
   },
   {
    "minor": 10000000,
    "currency": "GBP"
   },
   {
    "minor": 30000000,
    "currency": "GBP"
   },
   10000,
   "half-up"
  ],
  "expect": {
   "payout": {
    "minor": 33333,
    "currency": "GBP"
   },
   "averageApplied": true,
   "insuredProportionBasisPoints": 3333,
   "shortfall": {
    "minor": 66667,
    "currency": "GBP"
   }
  }
 },
 {
  "name": "the same rounded up",
  "args": [
   {
    "minor": 100000,
    "currency": "GBP"
   },
   {
    "minor": 10000000,
    "currency": "GBP"
   },
   {
    "minor": 30000000,
    "currency": "GBP"
   },
   10000,
   "up"
  ],
  "expect": {
   "payout": {
    "minor": 33334,
    "currency": "GBP"
   },
   "averageApplied": true,
   "insuredProportionBasisPoints": 3333,
   "shortfall": {
    "minor": 66666,
    "currency": "GBP"
   }
  }
 },
 {
  "name": "two thirds: 666.666... half-up is 666.67",
  "args": [
   {
    "minor": 100000,
    "currency": "GBP"
   },
   {
    "minor": 20000000,
    "currency": "GBP"
   },
   {
    "minor": 30000000,
    "currency": "GBP"
   },
   10000,
   "half-up"
  ],
  "expect": {
   "payout": {
    "minor": 66667,
    "currency": "GBP"
   },
   "averageApplied": true,
   "insuredProportionBasisPoints": 6666,
   "shortfall": {
    "minor": 33333,
    "currency": "GBP"
   }
  }
 },
 {
  "name": "no loss pays nothing",
  "args": [
   {
    "minor": 0,
    "currency": "GBP"
   },
   {
    "minor": 15000000,
    "currency": "GBP"
   },
   {
    "minor": 20000000,
    "currency": "GBP"
   },
   10000,
   "half-up"
  ],
  "expect": {
   "payout": {
    "minor": 0,
    "currency": "GBP"
   },
   "averageApplied": true,
   "insuredProportionBasisPoints": 7500,
   "shortfall": {
    "minor": 0,
    "currency": "GBP"
   }
  }
 },
 {
  "name": "nothing insured pays nothing",
  "args": [
   {
    "minor": 4000000,
    "currency": "GBP"
   },
   {
    "minor": 0,
    "currency": "GBP"
   },
   {
    "minor": 20000000,
    "currency": "GBP"
   },
   10000,
   "half-up"
  ],
  "expect": {
   "payout": {
    "minor": 0,
    "currency": "GBP"
   },
   "averageApplied": true,
   "insuredProportionBasisPoints": 0,
   "shortfall": {
    "minor": 4000000,
    "currency": "GBP"
   }
  }
 },
 {
  "name": "large values beyond 2^53 when multiplied: 9,000,000.00 of a 12,000,000.00 building insured for 10,000,000.00",
  "args": [
   {
    "minor": 900000000,
    "currency": "GBP"
   },
   {
    "minor": 1000000000,
    "currency": "GBP"
   },
   {
    "minor": 1200000000,
    "currency": "GBP"
   },
   10000,
   "half-up"
  ],
  "expect": {
   "payout": {
    "minor": 750000000,
    "currency": "GBP"
   },
   "averageApplied": true,
   "insuredProportionBasisPoints": 8333,
   "shortfall": {
    "minor": 150000000,
    "currency": "GBP"
   }
  }
 },
 {
  "name": "a loss above the value at risk is refused",
  "args": [
   {
    "minor": 300,
    "currency": "GBP"
   },
   {
    "minor": 100,
    "currency": "GBP"
   },
   {
    "minor": 200,
    "currency": "GBP"
   },
   10000,
   "half-up"
  ],
  "expectError": "loss must not exceed the value at risk"
 },
 {
  "name": "a zero value at risk is refused",
  "args": [
   {
    "minor": 0,
    "currency": "GBP"
   },
   {
    "minor": 100,
    "currency": "GBP"
   },
   {
    "minor": 0,
    "currency": "GBP"
   },
   10000,
   "half-up"
  ],
  "expectError": "valueAtRisk must be more than zero"
 },
 {
  "name": "a negative sum insured is refused",
  "args": [
   {
    "minor": 100,
    "currency": "GBP"
   },
   {
    "minor": -1,
    "currency": "GBP"
   },
   {
    "minor": 200,
    "currency": "GBP"
   },
   10000,
   "half-up"
  ],
  "expectError": "sumInsured must not be negative"
 },
 {
  "name": "a negative loss is refused",
  "args": [
   {
    "minor": -100,
    "currency": "GBP"
   },
   {
    "minor": 100,
    "currency": "GBP"
   },
   {
    "minor": 200,
    "currency": "GBP"
   },
   10000,
   "half-up"
  ],
  "expectError": "loss must not be negative"
 },
 {
  "name": "a condition of 0 is refused",
  "args": [
   {
    "minor": 100,
    "currency": "GBP"
   },
   {
    "minor": 100,
    "currency": "GBP"
   },
   {
    "minor": 200,
    "currency": "GBP"
   },
   0,
   "half-up"
  ],
  "expectError": "conditionBasisPoints must be from 1 to 10000"
 },
 {
  "name": "a condition above 100% is refused",
  "args": [
   {
    "minor": 100,
    "currency": "GBP"
   },
   {
    "minor": 100,
    "currency": "GBP"
   },
   {
    "minor": 200,
    "currency": "GBP"
   },
   10001,
   "half-up"
  ],
  "expectError": "conditionBasisPoints must be from 1 to 10000"
 },
 {
  "name": "a fractional condition is refused",
  "args": [
   {
    "minor": 100,
    "currency": "GBP"
   },
   {
    "minor": 100,
    "currency": "GBP"
   },
   {
    "minor": 200,
    "currency": "GBP"
   },
   7500.5,
   "half-up"
  ],
  "expectError": "conditionBasisPoints must be from 1 to 10000"
 },
 {
  "name": "a sum insured in another currency is refused",
  "args": [
   {
    "minor": 100,
    "currency": "GBP"
   },
   {
    "minor": 100,
    "currency": "EUR"
   },
   {
    "minor": 200,
    "currency": "GBP"
   },
   10000,
   "half-up"
  ],
  "expectError": "currency mismatch"
 }
]