      * column 1 to 7 is for comment only, start your copybook from column 8 to 72 
       01  PREM-PREM-RECORD.
           03  PREM-CODE                       PIC X(02).
           03  PREM-TRAN-ID.
               05  PREM-TERM-ID                PIC X(04).
               05  PREM-TRAN-NO                PIC 9(18)   COMP.         
           03  PREM-VALID-FLAG                 PIC 9(01).
           03  PREM-BATC-KEY                   PIC X(16).                
           03  PREM-CATEGORY                   PIC X(01).
           03  FILLER                          PIC X(8).
           03  PREM-RED-AREA                   PIC X(278).              
      *
           03  PREM-FAP-PREM-REC REDEFINES PREM-RED-AREA.
               05  PREM-POLY-KEY.
                   07  PREM-POL-COMPANY        PIC X(01).
                   07  PREM-POL-BRANCH         PIC X(02).
                   07  PREM-POLICY             PIC X(07).
                   07  PREM-POLS-TYPE          PIC X(03).
                   07  PREM-POL-FIL            PIC X(07).
               05  PREM-RISK-NUMBER            PIC 9(04)   COMP.
               05  PREM-DATE-EFFECT            PIC 9(08)   COMP.         
               05  PREM-SUB-CLASS              PIC X(03).
               05  PREM-BROKERS-REF            PIC X(06).
               05  PREM-FIRE-BRIGADE           PIC X(02).
               05  PREM-RISK-STATE             PIC X(03).
               05  PREM-RISK-CLASS             PIC X(03).
               05  PREM-ACCT-KEY.
                   07  PREM-ACT-PREFIX         PIC X(01).
                   07  PREM-ACT-COMPANY        PIC X(01).
                   07  PREM-ACT-BRANCH         PIC X(02).
                   07  PREM-ACCOUNT            PIC X(07).
                   07  PREM-ACT-FIL            PIC X(01).
               05  PREM-CLNT-KEY.
                   07  PREM-CLT-PREFIX         PIC X(01).
                   07  PREM-CLT-COMPANY        PIC X(01).
                   07  PREM-CLT-BRANCH         PIC X(02).
                   07  PREM-CLIENT             PIC X(06).
                   07  PREM-CLT-FIL            PIC X(02).
               05  PREM-DATE-INCEPT            PIC 9(08)   COMP.         
               05  PREM-DATE-EXPIRES           PIC 9(08)   COMP.         
               05  PREM-PAY-PLAN               PIC X(02).
               05  PREM-DUE-MONTH              PIC 9(02).
               05  PREM-DUE-YEAR               PIC 9(04).                
               05  PREM-RI-WOC-NO              PIC X(04).
               05  PREM-RI-TRAN-NO             PIC 9(09)   COMP.
               05  PREM-RI-METHOD              PIC X(01).
               05  PREM-TRANS-NO               PIC 9(04)   COMP.
               05  PREM-SD-METHOD-P            PIC X(02).
               05  PREM-SD-METHOD-F            PIC X(02).
               05  PREM-FSL-METHOD-P           PIC X(02).
               05  PREM-FSL-METHOD-F           PIC X(02).
               05  PREM-POL-AGT-RATE           PIC 9(02)V9(03) COMP-3.
               05  PREM-POL-AGT-FLAG           PIC X(01).
               05  PREM-POL-ORC-ACCT           PIC X(12).
               05  PREM-POL-ORC-RATE           PIC 9(02)V9(03) COMP-3.
               05  PREM-POL-ORC-FLAG           PIC X(01).
               05  PREM-POL-ORC-COMM           PIC S9(07)V9(02) COMP-3.
               05  PREM-POL-GR-PREM            PIC S9(07)V9(02) COMP-3.
               05  PREM-POL-FSL                PIC S9(07)V9(02) COMP-3.
               05  PREM-POL-ST-DUTY            PIC S9(07)V9(02) COMP-3.
               05  PREM-POL-CH-TYP1            PIC X(02).
               05  PREM-POL-EX-CHG1            PIC S9(07)V9(02) COMP-3.
               05  PREM-POL-CH-TYP2            PIC X(02).
               05  PREM-POL-EX-CHG2            PIC S9(07)V9(02) COMP-3.
               05  PREM-POL-AGT-COMM           PIC S9(07)V9(02) COMP-3.
               05  PREM-POL-PREMIUM            PIC S9(07)V9(02) COMP-3.
               05  PREM-FAP-GR-PREM            PIC S9(07)V9(02) COMP-3.
               05  PREM-FAP-FSL                PIC S9(07)V9(02) COMP-3.
               05  PREM-FAP-ST-DUTY            PIC S9(07)V9(02) COMP-3.
               05  PREM-FAP-CH-TYP1            PIC X(02).
               05  PREM-FAP-EX-CHG1            PIC S9(07)V9(02) COMP-3.
               05  PREM-FAP-CH-TYP2            PIC X(02).
               05  PREM-FAP-EX-CHG2            PIC S9(07)V9(02) COMP-3.
               05  PREM-PREM-FLAGS.
                   07  PREM-POL-PRNT-FLG       PIC X(01).
                   07  PREM-UNUSED-FLAGS       PIC X(04).
               05  PREM-FAP-AGT-COMM           PIC S9(07)V9(02) COMP-3.
               05  PREM-STAT-CD                PIC X(02).
               05  PREM-CASH-KEY               PIC X(12).
               05  PREM-ENDORSE-TYPE           PIC X(01).
               05  PREM-TRANS-TYPE             PIC X(01).
               05  PREM-DEBTORS-TFR            PIC X(01).               
               05  PREM-INST-DETAILS           PIC X(03).               
               05  PREM-ORIG-POL-PREM          PIC S9(7)V99 COMP-3.     
               05  PREM-ORIG-FAP-PREM          PIC S9(7)V99 COMP-3.     
               05  PREM-ORIG-PPREMIUM          PIC S9(7)V99 COMP-3.     
               05  PREM-ORIG-FPREMIUM          PIC S9(7)V99 COMP-3.     
               05  PREM-PERC-ADJ               PIC S9(3)V99 COMP.       
               05  PREM-AUTH-NO                PIC 9(6)    COMP.        
               05  PREM-IN-FLAG                PIC X(01).               
               05  PREM-POL-GST-COMM           PIC S9(05)V99 COMP-3.    
               05  PREM-ORC-GST-COMM           PIC S9(05)V99 COMP-3.    
               05  PREM-FAP-GST-COMM           PIC S9(05)V99 COMP-3.    
               05  PREM-GL-ORIGIN              PIC X(01).               
               05  PREM-TERR-ZONE              PIC X(01).               
               05  PREM-GL-LOCATION            PIC X(02).               
               05  PREM-POLY-LINK-PREVIOUS     PIC X(04).               
               05  PREM-POLY-LINK-NEXT         PIC X(04).               
      *
           03  PREM-RI-PREM-JNL REDEFINES PREM-RED-AREA.
               05  PREM-POLY-KEY-02            PIC X(20).
               05  PREM-RSK-NO-02              PIC 9(04).
               05  PREM-RI-ACCT-02             PIC X(12).
               05  PREM-TRAN-TYPE-02           PIC X(02).
               05  PREM-SUB-CLASS-02           PIC X(03).
               05  PREM-FIRE-BRIG-02           PIC X(01).
               05  PREM-DATE-EFF-02            PIC 9(08)   COMP.         
               05  PREM-DATE-EXP-02            PIC 9(08)   COMP.         
               05  PREM-JNL-REF-02             PIC X(06).
               05  PREM-TRAN-DESC-02           PIC X(24).
               05  PREM-PREM-EX-02             PIC S9(09)V9(02) COMP-3.
               05  PREM-GR-PREM-02             PIC S9(09)V9(02) COMP-3.
               05  PREM-FSL-02                 PIC S9(09)V9(02) COMP-3.
               05  PREM-ST-DUTY-02             PIC S9(09)V9(02) COMP-3.
               05  PREM-COMM-02                PIC S9(09)V9(02) COMP-3.
               05  PREM-TOT-PREM-02            PIC S9(09)V9(02) COMP-3.
               05  PREM-EX-CHG1-02             PIC S9(09)V9(02) COMP-3.
               05  PREM-CH-TYP1-02             PIC X(02).
               05  PREM-EX-CHG2-02             PIC S9(09)V9(02) COMP-3.
               05  PREM-CH-TYP2-02             PIC X(02).
               05  PREM-GR-SUMINS-02           PIC S9(18)  COMP.
               05  PREM-PROPN-02               PIC S9(03)V9(04) COMP-3.
               05  PREM-RI-AC-TYP-02           PIC X(01).
               05  PREM-DATE-INC-02            PIC 9(08)   COMP.         
               05  PREM-RISK-CLS-02            PIC X(03).
               05  PREM-TRANS-NO-02            PIC 9(04)   COMP.
               05  PREM-STAT-CD-02             PIC X(02).
               05  PREM-RSK-STATE-02           PIC X(03).
               05  PREM-RI-METHOD-02           PIC X(01).
               05  PREM-RI-TRANO-02            PIC 9(09)   COMP.
               05  PREM-RI-WOC-NO-02           PIC X(04).
               05  PREM-COMM-RATE-02           PIC 9(03)V9(04) COMP-3.
               05  PREM-GST-COMM-02            PIC S9(05)V99 COMP-3.    
               05  PREM-FXOL-SEQ-02            PIC 9(02).
               05  PREM-QS-COINS-ACCT-02       PIC X(03).
               05  FILLER                      PIC X(85).               
               05  PREM-GL-ORIGIN-02           PIC X(01).               
               05  PREM-TERR-ZONE-02           PIC X(01).               
               05  PREM-GL-LOCATION-02         PIC X(02).               
               05  FILLER                      PIC X(08).               
