// note: Each row equals single index starting with age 0
//Cash Value Smoker Twenty-pay 0=Male
//Cash Value Smoker Twenty-pay 1=female  {see bottom}
CVSMT0 = new Array("31.82","103.65","524.66"
,"33.99","107.67","524.66"
,"36.05","111.85","524.66"
,"38.08","116.18","524.66"
,"40.09","120.67","524.66"
,"42.07","125.32","524.66"
,"44.02","130.13","524.66"
,"45.88","135.12","524.66"
,"47.69","140.32","524.66"
,"49.48","145.78","524.66"
,"51.28","151.53","524.66"
,"53.12","157.59","524.66"
,"55.02","163.96","524.66"
,"56.99","170.63","524.66"
,"59.04","177.6","524.66"
,"61.2","184.87","524.66"
,"63.48","192.46","524.66"
,"65.94","200.35","524.66"
,"68.59","208.54","524.66"
,"71.44","217.03","524.66"
,"74.52","225.81","524.66"
,"77.81","234.88","524.66"
,"81.31","244.22","524.66"
,"85.02","253.81","524.66"
,"88.92","263.63","524.66"
,"93.03","273.66","524.66"
,"97.35","283.92","524.66"
,"101.87","294.44","524.66"
,"106.54","305.27","524.66"
,"111.34","316.53","524.66"
,"116.24","328.17","524.66"
,"121.21","340.15","524.66"
,"126.23","352.43","524.66"
,"131.27","364.94","524.66"
,"136.32","377.62","524.66"
,"141.34","390.4","524.66"
,"146.35","403.28","524.66"
,"151.39","416.27","524.66"
,"156.53","429.45","524.66"
,"161.9","442.89","524.66"
,"167.46","456.55","524.66"
,"173.18","470.31","524.66"
,"179.01","484.06","524.66"
,"184.9","497.7","524.66"
,"190.81","511.22","524.66"
,"196.65","524.66","524.66"
,"202.4","538.1","498.27"
,"208.05","551.64","471.67"
,"213.64","565.34","444.84"
,"219.18","579.24","417.69"
,"224.6","593.34","390.18"
,"229.81","607.58","362.25"
,"234.66","621.81","333.92"
,"239.07","635.92","305.18"
,"243.03","650","276.08"
,"246.69","664.06","246.69"
,"250.16","678.04","216.99"
,"253.6","691.92","186.94"
,"256.98","705.58","156.36"
,"261.41","718.89","126.37"
,"266.4","731.79","96.34"
,"271.64","744.26","65.83"
,"277.06","756.28","34.95"
,"282.64","3.76","767.97"
,"288.65","779.35","0"
,"295.09","790.3","0"
,"301.84","800.67","0"
,"308.78","810.37","0"
,"315.63","819.37","0"
,"322.03","827.64","0"
,"327.88","835.17","0"
,"333.11","842.14","0"
,"337.97","848.73","0"
,"342.86","854.98","0"
,"347.69","860.9","0"
,"352.07","866.4","0"
,"355.46","871.51","0"
,"357.52","876.41","0"
,"358.1","881.06","0"
,"357.13","885.39","0"
,"354.46","889.25","0"
,"350.56","892.76","0"
,"346.07","896.26","0"
,"340.73","899.82","0"
,"334.37","903.52","0"
,"326.74","907.34","0")
MasterArray["CVSMT0"] = CVSMT0
//Cash Value Smoker Twenty-pay 1=female
CVSMT1 = new Array("25.31","87.31","480.94"
,"26.96","91.13","480.94"
,"28.6","95.12","480.94"
,"30.24","99.28","480.94"
,"31.9","103.63","480.94"
,"33.61","108.16","480.94"
,"35.39","112.87","480.94"
,"37.19","117.77","480.94"
,"39.06","122.88","480.94"
,"40.99","128.19","480.94"
,"42.96","133.73","480.94"
,"45.02","139.49","480.94"
,"47.16","145.48","480.94"
,"49.4","151.71","480.94"
,"51.75","158.18","480.94"
,"54.21","164.87","480.94"
,"56.75","171.8","480.94"
,"59.42","178.97","480.94"
,"62.2","186.43","480.94"
,"65.11","194.19","480.94"
,"68.14","202.26","480.94"
,"71.3","210.64","480.94"
,"74.58","219.35","480.94"
,"77.97","228.36","480.94"
,"81.47","237.69","480.94"
,"85.07","247.33","480.94"
,"88.78","257.26","480.94"
,"92.6","267.47","480.94"
,"96.56","277.92","480.94"
,"100.69","288.59","480.94"
,"104.97","299.45","480.94"
,"109.41","310.49","480.94"
,"114.02","321.7","480.94"
,"118.79","333.07","480.94"
,"123.72","344.58","480.94"
,"128.81","356.24","480.94"
,"134.04","368.03","480.94"
,"139.4","379.94","480.94"
,"144.8","392.01","480.94"
,"150.2","404.23","480.94"
,"155.57","416.61","480.94"
,"160.87","429.15","480.94"
,"166.1","441.85","480.94"
,"171.23","454.7","480.94"
,"176.25","467.73","480.94"
,"181.14","480.94","480.94"
,"185.9","494.31","457.25"
,"190.52","507.85","433.12"
,"195.05","521.51","408.56"
,"199.55","535.27","383.59"
,"204.01","549.11","358.23"
,"208.46","562.97","332.51"
,"212.89","576.8","306.44"
,"217.32","590.56","280.05"
,"221.81","604.22","253.36"
,"226.37","617.81","226.37"
,"231.01","631.36","199.1"
,"235.74","644.85","171.52"
,"240.48","658.27","143.58"
,"245.21","671.63","115.21"
,"249.91","684.92","86.37"
,"254.46","697.89","56.93"
,"259.83","710.26","28.3"
,"265.39","722.04","0"
,"270.73","733.32","0"
,"275.91","744.1","0"
,"281.02","754.67","0"
,"286.07","764.84","0"
,"291.13","774.2","0"
,"296.29","782.81","0"
,"301.65","790.93","0"
,"306.78","799.64","0"
,"311","809.42","0"
,"314.28","819.51","0"
,"316.7","829.39","0"
,"318.19","838.23","0"
,"319.45","845.42","0"
,"320.11","850.96","0"
,"318.94","856.21","0"
,"315.86","862.69","0"
,"311.34","869.46","0"
,"309.44","876.06","0"
,"313.03","882.52","0"
,"319.93","888.83","0"
,"328.32","895.07","0"
,"334.86","901.09","0")
MasterArray["CVSMT1"] = CVSMT1