What formula would be entered in cell G18 in this Excel model? 
Definitions:
Compensate
To provide something, typically money, in recognition of loss, suffering, or damage incurred; to make amends.
Actuarial Insurance
The application of statistical and mathematical methods in the insurance industry to calculate risk and determine premiums.
Frequency
The rate at which a repeated event occurs, such as the number of waves that pass a fixed point in a specific amount of time in the context of physics, or the regularity of an occurrence in general terms.
Potential Loss
The possibility of financial detriment or damage in the future.
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