1st layer  $200 000  xs $200 000

2nd layer $400 000  xs $400 0

1st layer  $200 000  xs $200 000

2nd layer $400 000  xs $400 000

3rd layer  $800 000  xs $800 000

Loss one  $150 000

Loss two  $300 000

Loss three $1 500 000

Loss four   $2 500 000

    Q:   How are these losses shared among cedant and reinsurers?