{"text_format":"3","workbook":"xlsx","n_sheets":6,"sheets":["SOS Assurances","Couverture du risque","Evénements annuels","Listes mémorisées","Analyse du jeu","Images"],"not_rendered":{"images":39,"macros":1,"defined_names":4,"comments":2},"read":"whole","date_system":"1900"}

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[{"$nulls":5},"SOS - ASSURANCES",{"$nulls":7},"Adaptation de l'affichage à votre écran."]
[{"$nulls":13},"(Zoom valable pour toutes les feuilles)"]
[{"$nulls":13},"Faire en sorte que le cadre rouge"]
[{"$nulls":13},"soit entièrement visible !",{"$nulls":5},"Veuillez patienter !"]
[{"$nulls":15},100]
[{"$nulls":5},"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."]
[{"$nulls":3},"   Le nombre obtenu est le destin du joueur pour toute la partie."]
[]
[null,null," -  Une main maléfique clic sur le bouton \"année suivante\" pour afficher la fatalité !"]
[]
[null,null," -  Les joueurs font leurs comptes."]
[]
[null,null," -  Pour en tirer des enseignements significatifs, une partie doit se jouer sur 15 ans minimum (1 coup = 1 année)."]
[{"$nulls":3},"  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) 20.04.2015"]
[null,null,"Optimisé sur PC avec Excel 2013 et sur Mac avec Excel 2011"]

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[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,"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",{"$nulls":13},"Baptiste"]
[null,"Joueur 2",{"$nulls":13},"Chantal"]
[null,"Joueur 3",{"$nulls":13},"Delphine"]
[null,"Joueur 4",{"$nulls":13},"Dimitri"]
[null,"Joueur 5",{"$nulls":13},"Emma"]
[null,"Joueur 6",{"$nulls":13},"Fabien"]
[null,"Joueur 7",{"$nulls":13},"Frank"]
[null,"Joueur 8",{"$nulls":13},"Ionela"]
["No de la liste à transférer dans le jeu","Joueur 9",{"$nulls":13},"Jean"]
[null,"Joueur 10",{"$nulls":13},"Jessica"]
[null,"Joueur 11",{"$nulls":13},"Kararyna"]
[null,"Joueur 12",{"$nulls":13},"Kevin"]
[null,"Joueur 13",{"$nulls":13},"Louis"]
["Un clic sur l'image transfère la liste sélectionnée vers le tableau de la feuille \"Couverture du risque\"","Joueur 14",{"$nulls":13},"Luis"]
[null,"Joueur 15",{"$nulls":13},"Matija"]
[null,"Joueur 16",{"$nulls":13},"Mauro"]
[null,"Joueur 17",{"$nulls":13},"Melinda"]
[null,"Joueur 18",{"$nulls":13},"Mustafa"]
[null,"Joueur 19",{"$nulls":13},"Olivier"]
[null,"Joueur 20",{"$nulls":13},"Stefan"]
[null,"Joueur 21",{"$nulls":13},"Sylvie"]
[null,"Joueur 22",{"$nulls":13},"Tatiana"]
[null,"Joueur 23",{"$nulls":13},"Thomas"]
[null,"Joueur 24",{"$nulls":13},"Tony"]
[null,"Joueur 25",{"$nulls":13},"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"]
[]
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[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",{"$nulls":10},"Définitions :"]
[{"$nulls":11},"Mutualité :","Principe d’entraide par lequel les membres d’un groupe paient une cotisation dans le but de s’assurer une aide mutuelle."]
[]
[{"$nulls":11},"Risque : ","Danger plus ou moins prévisible"]
[{"$nulls":11},"\"","Préjudice éventuel qu’une compagnie d’assurance garantit moyennant le paiement d’une prime."]
[{"$nulls":11},"Dommage :","Préjudice subi par une personne.  Dégât matériel causé aux choses. "]
[null,"Analyses : ",{"$nulls":9},"Sinistre : ","Événement qui cause des dommages importants."]
[null," - Faire des simulations avec plusieurs scénarios de choix \"RAS\" et différents niveaux de risque.",{"$nulls":9},"Prime : ","Dans un contrat d’assurance, somme que l’assuré doit payer."]
[null," - Observer que les solutions A et S se rejoignent, selon le principe de la loi des grands nombres.",{"$nulls":9},"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 :",{"$nulls":9},"Comparaisons :"]
[null," - Pourquoi choisir R, A ou S ?",{"$nulls":10},"Avantages :",null,null,"Inconvénients :"]
[null," - Quels sont les avantages et les  inconvénients de chaque solution ?",{"$nulls":9},"Risque :"," - Rien à payer si pas de sinistre",null,null," - Tout à payer en cas de sinistre"]
[null," - Quels peuvent être les critères pour se considérer comme gagnant ou perdant ?",{"$nulls":9},"Assurance :"," - Prime connue d'avance, sans surprises",null,null," - Dépenses même si pas d'accident"]
[{"$nulls":11},"Solidarité :"," - Mutualité pure",null,null," - Dépenses inconnues, trouver des partenaires, surprises"]
[]
[null,"Questions :",{"$nulls":6},true,null,null,"Réponses :"]
[null," - A quoi ressemble la solution \"Solidarité\" avec une ou deux personnes ?",{"$nulls":9},"Solution \"Risque\". "]
[null," - A quoi ressemble la solution \"Solidarité\" avec un grand nombre de personnes ?",{"$nulls":9},"Solution \"Assurance\"."]
[null," - Quelle serait, dans l'idéal, la solution la plus intéressante ?",{"$nulls":9},"Solution \"S\" avec un grand nombre de personnes, car sans les frais et profits d'une compagnie d'assurances."]
[null," - Quelle est la probabilité de l'événement accident (en langage technique, le \"sinistre\") ?",{"$nulls":9},"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 ?",{"$nulls":9},"Risque à 5% (un accident à CHF 10'000.- tous les 20 ans) + 20% pour les frais et profits de l'assureur."]
[null," - Pourquoi la prime d'assurance est-elle plus élevée que 10'000 / 20 ? (CHF 500.-)",{"$nulls":9},"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)",{"$nulls":9},"Quel public cible ? - Rapport coûts/effets ? - Comment calculer ? - Comment récompenser ceux qui suivent les mesures ?  ..."]
[null," - Est-ce acceptable que les gagnants (choix A ou S) soient ceux qui ont commis le plus d'accidents ?",{"$nulls":9},"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 ?",{"$nulls":9},"Augmentation, car la loi des grands nombres, favorable à l'assureur, n'est pas applicable."]
[null," - Est-ce que l'application d'une surprime est raisonnable ?",{"$nulls":9},"Oui et non pour l'assureur qui adapte les primes, mais oui pour l'assuré qui y voit une certaine justice."]
[null," - La solution \"Solidarité\" pourrait-elle être rendue plus équitable ? ",{"$nulls":9},"Oui, en introduisant, par exemple, une franchise ou des pénalités pour les chauffeurs à risque."]

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