// note: Each row equals single index starting with age 0
//Cash Value Preferred Full-pay 0=Male
//Cash Value Preferred Full-pay 1=female {see bottom}
CVPRF0 = new Array("12.56","50.34","496.39"
,"14.27","53","495.54"
,"15.75","55.5","494.5"
,"17.12","57.94","493.34"
,"18.41","60.36","492.06"
,"19.63","62.82","490.7"
,"20.78","65.35","489.26"
,"21.81","67.95","487.74"
,"22.74","70.65","486.14"
,"23.61","73.52","484.45"
,"24.46","76.57","482.66"
,"25.31","79.83","480.78"
,"26.19","83.32","478.81"
,"27.12","87.06","476.76"
,"28.11","91.04","474.63"
,"29.21","95.31","472.43"
,"30.44","99.91","470.18"
,"31.87","104.89","467.91"
,"23.52","85.19","415.31"
,"25.29","90.05","413.42"
,"27.19","95.14","411.43"
,"29.22","100.45","409.34"
,"31.38","105.95","407.12"
,"33.65","111.65","404.77"
,"36.05","117.53","402.29"
,"38.58","123.6","399.66"
,"41.25","129.89","396.9"
,"44.07","136.4","393.99"
,"47.03","143.2","390.92"
,"50.06","150.29","387.64"
,"53.2","157.68","384.15"
,"56.43","165.35","380.43"
,"59.74","173.27","376.47"
,"63.13","181.43","372.26"
,"66.6","189.83","367.79"
,"70.14","198.41","363.04"
,"73.77","207.16","358"
,"77.5","216.11","352.65"
,"81.4","225.33","346.98"
,"85.54","234.88","340.98"
,"89.91","244.71","334.6"
,"94.51","254.8","327.85"
,"99.3","265.06","320.69"
,"104.3","275.45","313.11"
,"109.49","285.95","305.09"
,"114.82","296.62","296.62"
,"120.29","307.48","287.65"
,"125.88","318.61","278.14"
,"131.64","330.03","268"
,"137.54","341.74","257.14"
,"143.57","353.75","245.5"
,"149.7","366.02","233.05"
,"155.86","378.42","219.75"
,"162","390.86","205.56"
,"168.14","403.42","190.43"
,"174.36","416.2","174.36"
,"180.74","429.22","157.27"
,"187.35","442.44","139.08"
,"194.19","455.65","119.59"
,"201.3","468.62","98.65"
,"208.69","481.28","76.14"
,"216.37","493.55","52.02"
,"224.27","505.44","26.24"
,"232.3","517.1","0"
,"240.58","528.47","0"
,"250.49","540.22","0"
,"261.51","551.78","0"
,"272.73","562.4","0"
,"283.93","571.88","0"
,"294.78","580.05","0"
,"305.15","586.78","0"
,"314.93","592.3","0"
,"324.22","597.03","0"
,"333.24","600.98","0"
,"341.84","603.97","0"
,"349.76","605.71","0"
,"356.64","606.36","0"
,"362.19","606.35","0"
,"366.26","605.57","0"
,"368.79","603.81","0"
,"369.63","600.47","0"
,"369.18","595.82","0"
,"367.92","591.04","0"
,"365.65","586.02","0"
,"362.16","580.74","0"
,"357.23","575.31","0")
MasterArray["CVPRF0"] = CVPRF0
//Cash Value Preferred Full-pay 1=female
CVPRF1 = new Array("8.65","41.38","454.82"
,"9.85","43.92","453.97"
,"10.96","46.44","453.01"
,"12.03","49","451.96"
,"13.09","51.64","450.83"
,"14.17","54.37","449.63"
,"15.28","57.2","448.36"
,"16.38","60.14","447.03"
,"17.54","63.23","445.64"
,"18.72","66.43","444.16"
,"19.91","69.76","442.61"
,"21.16","73.24","440.97"
,"22.47","76.88","439.26"
,"23.85","80.67","437.47"
,"25.32","84.64","435.59"
,"26.88","88.75","433.63"
,"28.48","93.02","431.56"
,"30.21","97.49","429.42"
,"21.14","74.92","359.04"
,"22.67","78.88","357.13"
,"24.28","83.04","355.13"
,"25.95","87.37","353.02"
,"27.7","91.9","350.8"
,"29.53","96.64","348.46"
,"31.42","101.56","345.98"
,"33.38","106.68","343.37"
,"35.4","111.98","340.61"
,"37.52","117.5","337.71"
,"39.73","123.2","334.66"
,"42.07","129.08","331.44"
,"44.52","135.15","328.05"
,"47.09","141.39","324.47"
,"49.79","147.8","320.69"
,"52.62","154.36","316.71"
,"55.59","161.1","312.51"
,"58.69","168.02","308.09"
,"61.92","175.11","303.43"
,"65.28","182.36","298.52"
,"68.74","189.76","293.33"
,"72.28","197.33","287.83"
,"75.89","205.08","282.01"
,"79.57","213.05","275.83"
,"83.31","221.22","269.29"
,"87.08","229.62","262.35"
,"90.92","238.28","255"
,"94.82","247.21","247.21"
,"98.77","256.42","238.97"
,"102.79","265.92","230.26"
,"106.89","275.71","221.05"
,"111.09","285.81","211.32"
,"115.43","296.23","201.03"
,"119.95","306.96","190.16"
,"124.66","317.96","178.68"
,"129.6","329.25","166.57"
,"134.79","340.84","153.78"
,"140.24","352.7","140.24"
,"145.96","364.87","125.93"
,"151.99","377.35","110.8"
,"158.32","390.13","94.79"
,"164.92","403.23","77.81"
,"171.79","416.64","59.75"
,"178.88","430.08","40.5"
,"186.15","443.2","19.96"
,"193.6","456.02","0"
,"201.2","468.63","0"
,"208.96","480.92","0"
,"216.88","493.14","0"
,"224.96","504.96","0"
,"233.21","515.71","0"
,"242.5","525.86","0"
,"253.38","536","0"
,"264.29","547.06","0"
,"274.79","559.92","0"
,"284.96","573.13","0"
,"294.88","585.34","0"
,"304.43","595.07","0"
,"313.93","601.44","0"
,"322.94","604.06","0"
,"330.52","605.98","0"
,"336.52","610.92","0"
,"341.23","616.65","0"
,"347.41","622.2","0"
,"356.75","627.79","0"
,"367.19","633.2","0"
,"376.64","638.15","0"
,"382.92","642.3","0")
MasterArray["CVPRF1"] = CVPRF1