The contingent General Liability fee is determined by applying the negotiated rate up to 30% to the Net Award. The Net Award is the total of Past Damages, Lump Sums and the value of Future Damages, net of Collateral offset, and less Plaintiff's Litigation Expenses.

• The fee rate is then applied against the amounts net of expenses, except Collateral Sources to produce fee amounts and a valued Award, net of expenses and fees.

• The initial monthly payments are then reduced by the expense and fee rates to produce the net first monthly payment for which the Defendant is liable. If there are Collateral offsets, the net first monthly payment is reduced by the related first monthly offset payment. The initial monthly offset payments are reduced by ongoing maintenance, before being applied against the element initial monthly payment.

In addition to the option to reduce the impact of taxes for Collateral Source offsets, there is an option to apply expenses and fees to the Award values prior to reduction for Collateral Source Offsets. There is little mention of how expenses and fees are to be applied, but as they represent costs of the full recovery, they should be allocated against the full recovery. This is accomplished by calculating the expense ratio without regard to offsets, and applying the rates to reduce the offsets. The initial monthly offset payments are similarly reduced, thus increasing the after offset, element initial monthly payment.

All of this is done by the systems with minimal user involvement.