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sorry, somehow i did not see the post #5 it was just visible to me now. i cant figure out why i could not see it. however, i have tried it, and
i think i missed a point here recovery always will be amount-first layer deductible, means if the amount is 58,504,967 then total recovery will be 58,504,967-15,000,000=43,504,967 from 1st till 2nd layer (1st will get max 15,000,000 and second 43,504,967-15,000,000=28,504,967 and the rest of the layers will be 0.
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In the file I had attached in post #5, use
C5=MIN(B5-C$3,C$3) and drag down
D5=MIN($B5-SUM($C$3,$C5:C5),D$3) and drag down and across
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Thank you so much, it works great :)
