a claims made for has an effective date of 1/1/06, an expiration date of 1/1/07, and a retroactive date of a) a claim filed on 11/1/07 for a loss that occurred on 11/1/05 b) a claim filed on 4/1/07 for a loss that occurred on 10/15/06 c) a claim filed on 12/1/06 for a loss that occurred on 12/31/04 d) a claim filed on 1/1/06 for a loss that occurred on 12/1/05