18. "Loss" means:
a. With respect to Insuring Agreements 1. Web Site Publishing Liability, 2. Security Breach Liability and 3. Programming Errors And Omissions Liability:
(1) Compensatory damages, settlement amounts and costs awarded pursuant to judgments or settlements;
(2) Punitive and exemplary damages to the extent such damages are insurable by law; or
(3) Under Paragraph b. of Insuring Agreement 2. Security Breach Liability, fines or penalties assessed against the "insured" to the extent such fines or penalties are insurable by law.
With regard to Paragraphs 18.a.(1) through 18.a.(3), "loss" does not include:
(a) Civil or criminal fines or penalties imposed by law, except civil fines or penalties as provided under Paragraph 18.a.(3);
(b) The multiplied portion of multiplied damages;
(e) The amount of any disgorged profits; or
(f) Matters that are uninsurable pursuant to law.
b. With respect to Insuring Agreement 4. Replacement Or Restoration Of Electronic Data:
The cost to replace or restore "electronic data" or "computer programs" as well as the cost of data entry, reprogramming and computer consultation services.
"Loss" does not include the cost to duplicate research that led to the development of your "electronic data" or "computer programs". To the extent that any "electronic data" cannot be replaced or restored, we will pay the cost to replace the media on which the "electronic data" was stored with blank media of substantially identical type.
c. With respect to Insuring Agreement 5. Extortion Threats:
"Extortion expenses" and "ransom payments".
d. With respect to Insuring Agreement 6. Business Income And Extra Expense:
The actual loss of "business income" you sustain and/or "extra expense" you incur.
e. With respect to Insuring Agreement 7. Public Relations Expense:
"Public relations expenses".
f. With respect to Insuring Agreement 8. Security Breach Expense:
"Security breach expenses".