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[null,null,null,null,null,"SOS - ASSURANCES",null,null,null,null,null,null,null,"Adaptation de l'affichage à votre écran."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"(Zoom valable pour toutes les feuilles)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Faire en sorte que le cadre rouge"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"soit entièrement visible !",null,null,null,null,null,"Veuillez patienter !"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,100]
[null,null,null,null,null,"Découvrir le principe de la mutualité avec ce jeu de simulation"]
[]
[]
[]
[]
[]
[]
[null,null,"HYPOTHESES"]
[]
[null,null,"Chaque joueur possède une voiture. Son utilisation implique un risque d'accident."]
[null,null,"Pour simplifier, on suppose :"]
[null,null," - des dégâts matériels exclusivement, à son propre véhicule"]
[null,null," - une réparation se montant à CHF 10'000.- par accident"]
[null,null," - un risque identique pour chacun"]
[null,null," - l'événement \"accident\" est aléatoire (désigné ici au moyen d'un tirage au sort)"]
[]
[]
[]
[null,null,"DEROULEMENT DU JEU"]
[]
[null,null," -  Les joueurs choisissent leur couverture de risque entre trois options :"]
[null,null,"R","assumer le risque personnellement   (perte maximum 10'000.- par accident)."]
[null,null,"A","s'assurer et payer une prime annuelle de CHF 600.- (par défaut) qui libère du risque."]
[null,null,"S","   former un groupe solidaire avec d'autres joueurs, les frais éventuels seront partagés entre les membres du groupe."]
[]
[null,null," -  Le meneur de jeu lance le tirage au sort pour attibuer à chaque joueur un nombre entre 1 et 99."]
[null,null,null,"   Le nombre obtenu est le destin du joueur pour toute la partie."]
[]
[null,null," -  Une main maléfique clic sur le bouton \"année suivante\" pour afficher la fatalité !"]
[]
[null,null," -  Les joueurs font leurs comptes."]
[]
[null,null," -  Pour en tirer des enseignements significatifs, une partie doit se jouer sur 15 ans minimum (1 coup = 1 année)."]
[null,null,null,"  De façon à reproduire le caractère annuel du contrat d'assurance, les joueurs peuvent changer leur couverture en cours de partie."]
[]
[]
[]
[]
[]
[null,null,"Principe du jeu repris de Steve Forrer - Travail de diplôme \"Les assurances\" - SPES 1998 - sous la direction de Y. Péguiron maître de didactique."]
[null,null,"© Application informatique (Excel et VBA) réalisée par Yvan Péguiron - Version BNS (Iconomix) 27.05.2015"]
[null,null,"Optimisé sur PC avec Excel 2013 et sur Mac avec Excel 2011"]

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["Aide"]
["oui / non",null,"R","A","S"]
[null,null,"Assume le risque","Assuré","Solidaire"]
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["Régénération de la feuille, en cas de problèmes #REF"]

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[null,null,null,null,null,"Veuillez tirer au sort les nombres du destin !",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",{"$f":"IF(AB7>NB_joueurs,\"\",'Couverture du risque'!B12)","v":"Joueur 5"},null,null,5,null,{"$f":"IF(Z7=\"\",\"\",'Couverture du risque'!Q12)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"","Joueur 5"]
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["zoom -",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",{"$f":"IF(AB9>NB_joueurs,\"\",'Couverture du risque'!B14)","v":"Joueur 7"},null,null,7,null,{"$f":"IF(Z9=\"\",\"\",'Couverture du risque'!Q14)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"","Joueur 7"]
[null,null,"Voir la dépense totale des joueurs 'Solidaires' avec franchise",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",{"$f":"IF(AB10>NB_joueurs,\"\",'Couverture du risque'!B15)","v":"Joueur 8"},null,null,8,null,{"$f":"IF(Z10=\"\",\"\",'Couverture du risque'!Q15)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"","Joueur 8"]
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[null,null,"Cette année ",null,null,null,null,null,null,null,{"$f":"AQ53","v":0},null,{"$f":"IF(K25<2,\"accident\",\"accidents\")","v":"accident"},null,null,null,null,null,null,null,null,"Cumuls",null,"",{"$f":"IF(AB25>NB_joueurs,\"\",'Couverture du risque'!B30)","v":"Joueur 23"},null,null,23,null,{"$f":"IF(Z25=\"\",\"\",'Couverture du risque'!Q30)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"","Joueur 23"]
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[null,"Risque :",null,null,null,null,null,null,{"$f":"COUNTIF($AD$3:$AD$52,\"R\")","v":0},null,{"$f":"IF(I28<2,\"joueur non-assuré\",\"joueurs non-assurés\")","v":"joueur non-assuré"},null,null,null,null,null,null,null,null,null,null,null,null,"",{"$f":"IF(AB28>NB_joueurs,\"\",'Couverture du risque'!B33)","v":""},null,null,26,null,{"$f":"IF(Z28=\"\",\"\",'Couverture du risque'!Q33)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"",""]
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[null,null,{"$f":"IF(Q29=0,\"Pas de frais cette année\",IF(Q29>1,\"Coût par joueurs accidentés :\",\"Coût pour le joueur accidenté\"))","v":"Pas de frais cette année"},null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Q29>0,\"10'000.-\",\"\")","v":""},null,null,null,null,{"$f":"V29*10000","v":0},null,"",{"$f":"IF(AB30>NB_joueurs,\"\",'Couverture du risque'!B35)","v":""},null,null,28,null,{"$f":"IF(Z30=\"\",\"\",'Couverture du risque'!Q35)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"",""]
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[null,"Assurance : ",null,null,null,null,null,null,{"$f":"COUNTIF($AD$3:$AD$52,\"A\")","v":0},null,{"$f":"IF(I32<2,\"joueur assuré\",\"joueurs assurés\")","v":"joueur assuré"},null,null,null,null,null,null,null,null,null,null,null,null,"",{"$f":"IF(AB32>NB_joueurs,\"\",'Couverture du risque'!B37)","v":""},null,null,30,null,{"$f":"IF(Z32=\"\",\"\",'Couverture du risque'!Q37)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"",""]
[null,null,{"$f":"IF(Q33>1,\"Accidentés cette année\",\"Accidenté cette année\")","v":"Accidenté cette année"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Q33=0,\"J\",\"\")","v":"J"},null,{"$f":"AP55","v":0},null,null,null,null,{"$f":"AT53+AP55","v":0},null,"",{"$f":"IF(AB33>NB_joueurs,\"\",'Couverture du risque'!B38)","v":""},null,null,31,null,{"$f":"IF(Z33=\"\",\"\",'Couverture du risque'!Q38)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"",""]
[null,null,"Primes encaissées :",null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(H20=0,0,AM53)","v":0},null,null,null,null,null,0,null,"",{"$f":"IF(AB34>NB_joueurs,\"\",'Couverture du risque'!B39)","v":""},null,null,32,null,{"$f":"IF(Z34=\"\",\"\",'Couverture du risque'!Q39)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"",""]
[null,null,{"$f":"\"Dommages payés :\"","v":"Dommages payés :"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AP53","v":0},null,null,null,null,null,{"$f":"V33*10000","v":0},null,"",{"$f":"IF(AB35>NB_joueurs,\"\",'Couverture du risque'!B40)","v":""},null,null,33,null,{"$f":"IF(Z35=\"\",\"\",'Couverture du risque'!Q40)","v":""},null,0,null,null,0,{"$f":"IF(AI35=MIN(Depenses),\"C\",IF(AI35=MAX(Depenses),\"D\",\"\"))","v":"C"},0,0,{"$f":"IF(AD35=\"A\",ROUND((Prime*AR35/5),0)*5,0)","v":0},0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"",""]
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[null,"Solidarité :",null,null,null,null,null,null,{"$f":"COUNTIF($AD$3:$AD$52,\"S\")","v":0},null,{"$f":"IF(I37<2,\"joueur solidaire\",\"joueurs solidaires\")","v":"joueur solidaire"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(AA37=\"accident\",\"M\",IF(AND(AV37=0,(Z37>0)),\"{\",\"\"))","v":""},{"$f":"IF(AB37>NB_joueurs,\"\",'Couverture du risque'!B42)","v":""},null,null,35,null,{"$f":"IF(Z37=\"\",\"\",'Couverture du risque'!Q42)","v":""},null,{"$f":"IF($H$20=0,0,IF(SUM(AL37:AN37)=0,0,SUM(AL37:AN37)))","v":0},null,null,{"$f":"AG37+AF37+BA37","v":0},{"$f":"IF(AI37=MIN(Depenses),\"C\",IF(AI37=MAX(Depenses),\"D\",\"\"))","v":"C"},{"$f":"IF(AA37=\"accident\",10000,0)","v":0},{"$f":"IF(AD37=\"R\",AK37,0)","v":0},{"$f":"IF(AD37=\"A\",ROUND((Prime*AR37/5),0)*5,0)","v":0},{"$f":"IF(AD37=\"S\",(($AO$53/$AL$54)),0)","v":0},{"$f":"IF(AD37=\"S\",AK37,0)","v":0},{"$f":"IF(AD37=\"A\",AK37,0)","v":0},{"$f":"(AL37+AO37+AP37)/10000","v":0},1,0,0,0,{"$f":"AQ37+SUM(AS37:AU37)","v":0},{"$f":"AV37*10000","v":0},{"$f":"IF(AW37>=$AU$61*$H$20,\"L\",\"J\")","v":"L"},{"$f":"AV37*2000","v":0},{"$error":"#DIV/0!"},0,{"$f":"IF($H$20=0,\"\",IF(AW37=AI37,AX37,IF(AW37<AI37,\"L\",\"J\")))","v":""},{"$f":"Y37","v":""}]
[null,null,{"$f":"IF(Q38>1,\"Accidentés cette année :\",\"Accidenté cette année :\")","v":"Accidenté cette année :"},null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(Q38=0,\"J\",\"\")","v":"J"},null,{"$f":"AO55","v":0},null,null,null,null,{"$f":"AU53+AO55","v":0},null,"",{"$f":"IF(AB38>NB_joueurs,\"\",'Couverture du risque'!B43)","v":""},null,null,36,null,{"$f":"IF(Z38=\"\",\"\",'Couverture du risque'!Q43)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"",""]
[null,null,{"$f":"\"Frais à partager :\"","v":"Frais à partager :"},null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"AO53","v":0},null,null,null,null,null,{"$f":"V38*10000","v":0},null,"",{"$f":"IF(AB39>NB_joueurs,\"\",'Couverture du risque'!B44)","v":""},null,null,37,null,{"$f":"IF(Z39=\"\",\"\",'Couverture du risque'!Q44)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"",""]
[null,null,null,null,null,null,null,null,null,null,"M",null,"Total des accidents",null,null,null,null,null,null,null,null,{"$f":"V29+V33+V38","v":0},null,"",{"$f":"IF(AB40>NB_joueurs,\"\",'Couverture du risque'!B45)","v":""},null,null,38,null,{"$f":"IF(Z40=\"\",\"\",'Couverture du risque'!Q45)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"",""]
[null,null,null,null,null,null,null,null,null,null,"{",null,"Joueurs sans accident",null,null,null,null,null,null,null,null,{"$f":"AV54&\" / \"&AL56","v":"0 / 0"},null,"",{"$f":"IF(AB41>NB_joueurs,\"\",'Couverture du risque'!B46)","v":""},null,null,39,null,{"$f":"IF(Z41=\"\",\"\",'Couverture du risque'!Q46)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"",""]
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[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",{"$f":"IF(AB49>NB_joueurs,\"\",'Couverture du risque'!B54)","v":""},null,null,47,null,{"$f":"IF(Z49=\"\",\"\",'Couverture du risque'!Q54)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"",""]
["Aide",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",{"$f":"IF(AB50>NB_joueurs,\"\",'Couverture du risque'!B55)","v":""},null,null,48,null,{"$f":"IF(Z50=\"\",\"\",'Couverture du risque'!Q55)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"",""]
["oui / non",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",{"$f":"IF(AB51>NB_joueurs,\"\",'Couverture du risque'!B56)","v":""},null,null,49,null,{"$f":"IF(Z51=\"\",\"\",'Couverture du risque'!Q56)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"",""]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"",{"$f":"IF(AB52>NB_joueurs,\"\",'Couverture du risque'!B57)","v":""},null,null,50,null,{"$f":"IF(Z52=\"\",\"\",'Couverture du risque'!Q57)","v":""},null,0,null,null,0,"C",0,0,0,0,0,0,0,1,0,0,0,0,0,"L",0,{"$error":"#DIV/0!"},0,"",""]
["Aide",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Total acci :",{"$f":"SUM(AL3:AL52)","v":0},0,0,0,0,0,null,{"$f":"SUM(AS3:AS52)","v":0},{"$f":"SUM(AT3:AT52)","v":0},{"$f":"SUM(AU3:AU52)","v":0},{"$f":"SUM(AV3:AV52)","v":0}]
["retour ","Réglages ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"SUM(AE3:AE52)","v":0}," = Total acc.",null,null,null,null,"nb de s :",{"$f":"COUNTIF(AD3:AD52,\"S\")","v":0},0,{"$f":"IF(H20=0,0,AM53-AM54)","v":0},null,null,null,null,null,"nb sans accident",null,{"$f":"COUNTIF(AV3:AV52,0)-(50-AL56)","v":0}]
["en haut",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"nbRAS",{"$f":"AL53/10000","v":0},null,null,{"$f":"INT(AO53/10000)","v":0},{"$f":"INT(AP53/10000)","v":0},{"$f":"AQ53-AO55-AP55","v":0}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"nb tirages : ",{"$f":"COUNTA(Z3:Z52)","v":0}]
[null,null,"Prime en CHF"]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Prime d'asssurance"]
[null,null,"Surprime en cas",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Accidents entre",null,null,"Tirage image","Sélection ",null,null,"Liste","Choix :",1]
[null,null,"d'accident",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1,"et",1,8,{"$f":"IF(AO61=0,0,IF(AO61=8,8,IF(AQ53=0,1,AO61)))","v":8},null,1,{"$f":"Prime","v":600},"Prime :",{"$f":"VLOOKUP(AU60,AR61:AS90,2)","v":600}]
[null,null,"(10% par accident)",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,2,275]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,3,300]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,4,350]
[null,null,"Franchise pour joueurs \"S\".",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(H20=0,\"START\",\"Année suivante\")","v":"START"},null,null,null,null,null,5,375]
[null,null,"Voir la commande d'affichage",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(H20=0,\"déclencher les événements.\",\"constater les nouveaux accidents.\")","v":"déclencher les événements."},null,null,null,null,null,6,400]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,7,425]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Surprime :",{"$f":"IF(AM68=2,FALSE,TRUE)","v":false},2,null,null,null,null,8,450]
[null,null,"Niveau de risque",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Franchise :",{"$f":"IF(AM69=2,FALSE,TRUE)","v":false},2,false,null,null,null,9,475]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Risque :",{"$f":"AM70-1","v":1},2,null,null,null,null,10,500]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,11,525]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"New",0,"0=défaut; 1=garde",null,null,null,null,12,550]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,13,575]
[null,null,"Zoom",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,14,600]
[null,null,null,null,null,null,null,null,null,"minimim",null,null,null,null,null,100,null,"%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,15,625]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,16,650]
[null,null,null,null,null,null,null,null,null,"maximum",null,null,null,null,null,160,null,"%",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,17,675]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,18,700]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,19,725]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,20,750]
["Aide",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,21,775]
["oui / non","  retour ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null," retour ",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,22,800]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,23,825]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,24,850]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,25,875]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,26,900]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,27,925]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,28,950]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,29,975]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,30,1000]

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[]
[]
[]
[]
[]
[null,"Liste 1","Liste 2","Liste 3","Liste 4","Liste 5","Liste 6","Liste 7","Liste 8","Liste 9","Liste 10","Liste 11","Liste 12","Liste 13","Liste 14","Liste 15"]
[null,"Joueur 1",null,null,null,null,null,null,null,null,null,null,null,null,null,"Baptiste"]
[null,"Joueur 2",null,null,null,null,null,null,null,null,null,null,null,null,null,"Chantal"]
[null,"Joueur 3",null,null,null,null,null,null,null,null,null,null,null,null,null,"Delphine"]
[null,"Joueur 4",null,null,null,null,null,null,null,null,null,null,null,null,null,"Dimitri"]
[null,"Joueur 5",null,null,null,null,null,null,null,null,null,null,null,null,null,"Emma"]
[null,"Joueur 6",null,null,null,null,null,null,null,null,null,null,null,null,null,"Fabien"]
[null,"Joueur 7",null,null,null,null,null,null,null,null,null,null,null,null,null,"Frank"]
[null,"Joueur 8",null,null,null,null,null,null,null,null,null,null,null,null,null,"Ionela"]
["No de la liste à transférer dans le jeu","Joueur 9",null,null,null,null,null,null,null,null,null,null,null,null,null,"Jean"]
[null,"Joueur 10",null,null,null,null,null,null,null,null,null,null,null,null,null,"Jessica"]
[null,"Joueur 11",null,null,null,null,null,null,null,null,null,null,null,null,null,"Kararyna"]
[null,"Joueur 12",null,null,null,null,null,null,null,null,null,null,null,null,null,"Kevin"]
[null,"Joueur 13",null,null,null,null,null,null,null,null,null,null,null,null,null,"Louis"]
["Un clic sur l'image transfère la liste sélectionnée vers le tableau de la feuille \"Couverture du risque\"","Joueur 14",null,null,null,null,null,null,null,null,null,null,null,null,null,"Luis"]
[null,"Joueur 15",null,null,null,null,null,null,null,null,null,null,null,null,null,"Matija"]
[null,"Joueur 16",null,null,null,null,null,null,null,null,null,null,null,null,null,"Mauro"]
[null,"Joueur 17",null,null,null,null,null,null,null,null,null,null,null,null,null,"Melinda"]
[null,"Joueur 18",null,null,null,null,null,null,null,null,null,null,null,null,null,"Mustafa"]
[null,"Joueur 19",null,null,null,null,null,null,null,null,null,null,null,null,null,"Olivier"]
[null,"Joueur 20",null,null,null,null,null,null,null,null,null,null,null,null,null,"Stefan"]
[null,"Joueur 21",null,null,null,null,null,null,null,null,null,null,null,null,null,"Sylvie"]
[null,"Joueur 22",null,null,null,null,null,null,null,null,null,null,null,null,null,"Tatiana"]
[null,"Joueur 23",null,null,null,null,null,null,null,null,null,null,null,null,null,"Thomas"]
[null,"Joueur 24",null,null,null,null,null,null,null,null,null,null,null,null,null,"Tony"]
[null,"Joueur 25",null,null,null,null,null,null,null,null,null,null,null,null,null,"Yamouna"]
[null,"Joueur 26"]
[null,"Joueur 27"]
[null,"Joueur 28"]
[null,"Joueur 29"]
[null,"Joueur 30"]
[null,"Joueur 31"]
[null,"Joueur 32"]
[null,"Joueur 33"]
[null,"Joueur 34"]
[null,"Joueur 35"]
[null,"Joueur 36"]
[null,"Joueur 37"]
[null,"Joueur 38"]
[null,"Joueur 39"]
[null,"Joueur 40"]
[null,"Joueur 41"]
[null,"Joueur 42"]
[null,"Joueur 43"]
[null,"Joueur 44"]
[null,"Joueur 45"]
[null,"Joueur 46"]
[null,"Joueur 47"]
[null,"Joueur 48"]
[null,"Joueur 49"]
[null,"Joueur 50"]
[]
[]
[]
[]
[1]
["Liste 1"]
["Liste 2"]
["Liste 3"]
["Liste 4"]
["Liste 5"]
["Liste 6"]
["Liste 7"]
["Liste 8"]
["Liste 9"]
["Liste 10"]
["Liste 11"]
["Liste 12"]
["Liste 13"]
["Liste 14"]
["Liste 15"]

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["Analyses, réflexions et questions",null,null,null,null,null,null,null,null,null,null,"Définitions :"]
[null,null,null,null,null,null,null,null,null,null,null,"Mutualité :","Principe d’entraide par lequel les membres d’un groupe paient une cotisation dans le but de s’assurer une aide mutuelle."]
[]
[null,null,null,null,null,null,null,null,null,null,null,"Risque : ","Danger plus ou moins prévisible"]
[null,null,null,null,null,null,null,null,null,null,null,"\"","Préjudice éventuel qu’une compagnie d’assurance garantit moyennant le paiement d’une prime."]
[null,null,null,null,null,null,null,null,null,null,null,"Dommage :","Préjudice subi par une personne.  Dégât matériel causé aux choses. "]
[null,"Analyses : ",null,null,null,null,null,null,null,null,null,"Sinistre : ","Événement qui cause des dommages importants."]
[null," - Faire des simulations avec plusieurs scénarios de choix \"RAS\" et différents niveaux de risque.",null,null,null,null,null,null,null,null,null,"Prime : ","Dans un contrat d’assurance, somme que l’assuré doit payer."]
[null," - Observer que les solutions A et S se rejoignent, selon le principe de la loi des grands nombres.",null,null,null,null,null,null,null,null,null,"Franchise :","Clause d’une assurance fixant la part d’un dommage qu’un assuré conserve à sa charge; cette somme à la charge de l’assuré."]
[null," - Comprendre la notion de \"Risque\" et analyser les conséquences."]
[]
[null,"Réflexions :",null,null,null,null,null,null,null,null,null,"Comparaisons :"]
[null," - Pourquoi choisir R, A ou S ?",null,null,null,null,null,null,null,null,null,null,"Avantages :",null,null,"Inconvénients :"]
[null," - Quels sont les avantages et les  inconvénients de chaque solution ?",null,null,null,null,null,null,null,null,null,"Risque :"," - Rien à payer si pas de sinistre",null,null," - Tout à payer en cas de sinistre"]
[null," - Quels peuvent être les critères pour se considérer comme gagnant ou perdant ?",null,null,null,null,null,null,null,null,null,"Assurance :"," - Prime connue d'avance, sans surprises",null,null," - Dépenses même si pas d'accident"]
[null,null,null,null,null,null,null,null,null,null,null,"Solidarité :"," - Mutualité pure",null,null," - Dépenses inconnues, trouver des partenaires, surprises"]
[]
[null,"Questions :",null,null,null,null,null,null,false,null,null,"Réponses :"]
[null," - A quoi ressemble la solution \"Solidarité\" avec une ou deux personnes ?",null,null,null,null,null,null,null,null,null,"Solution \"Risque\". "]
[null," - A quoi ressemble la solution \"Solidarité\" avec un grand nombre de personnes ?",null,null,null,null,null,null,null,null,null,"Solution \"Assurance\"."]
[null," - Quelle serait, dans l'idéal, la solution la plus intéressante ?",null,null,null,null,null,null,null,null,null,"Solution \"S\" avec un grand nombre de personnes, car sans les frais et profits d'une compagnie d'assurances."]
[null," - Quelle est la probabilité de l'événement accident (en langage technique, le \"sinistre\") ?",null,null,null,null,null,null,null,null,null,"Impondérables et facteurs \"chance\" irrationnels. Seul critère : les statistiques !"]
[null," - Dans quel cas une prime d'assurance fixée à 600.- peut-elle être considérée comme correcte ?",null,null,null,null,null,null,null,null,null,"Risque à 5% (un accident à CHF 10'000.- tous les 20 ans) + 20% pour les frais et profits de l'assureur."]
[null," - Pourquoi la prime d'assurance est-elle plus élevée que 10'000 / 20 ? (CHF 500.-)",null,null,null,null,null,null,null,null,null,"En plus du risque, l'assureur doit couvrir ses charges et générer du profit !"]
[null," - Des mesures de prévention sont-elles rentables ? (Abaisser le niveau de risque)",null,null,null,null,null,null,null,null,null,"Quel public cible ? - Rapport coûts/effets ? - Comment calculer ? - Comment récompenser ceux qui suivent les mesures ?  ..."]
[null," - Est-ce acceptable que les gagnants (choix A ou S) soient ceux qui ont commis le plus d'accidents ?",null,null,null,null,null,null,null,null,null,"Oui si les accidents sont fortuits, non si les accidents sont la conséquence de risques outrageux."]
[null," - Les primes augmenteraient ou diminueraient-elles si les contrats d'assurance étaient limités à 5 ans ?",null,null,null,null,null,null,null,null,null,"Augmentation, car la loi des grands nombres, favorable à l'assureur, n'est pas applicable."]
[null," - Est-ce que l'application d'une surprime est raisonnable ?",null,null,null,null,null,null,null,null,null,"Pour l'assureur : rationnellement oui, car une surprime responsabilise l'assuré; financièrement non, car l'assureur doit adapter ses primes de base en conséquence.  Pour l'assuré : oui car il y voit une certaine justice."]
[null," - La solution \"Solidarité\" pourrait-elle être rendue plus équitable ? ",null,null,null,null,null,null,null,null,null,"Oui, en introduisant, par exemple, une franchise ou des pénalités pour les chauffeurs à risque."]

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[null,null,null,null,null,null,null,null,"  "]