// note: Each row equals single index starting with age 0
//Cash Value Smoker Single-pay 0=Male p=over 100,000
//Cash Value Smoker Single-pay 1=female  p=over 100,000{see bottom}
CVSMS0p = new Array("68","103.65","524.66"
,"70.93","107.67","524.66"
,"74.08","111.82","524.66"
,"77.45","116.1","524.66"
,"80.96","120.52","524.66"
,"84.57","125.08","524.66"
,"88.18","129.79","524.66"
,"91.81","134.82","524.66"
,"95.49","140.12","524.66"
,"99.23","145.68","524.66"
,"103.07","151.49","524.66"
,"107.06","157.59","524.66"
,"111.22","163.96","524.66"
,"115.55","170.63","524.66"
,"120.06","177.6","524.66"
,"124.74","184.87","524.66"
,"129.53","192.46","524.66"
,"134.46","200.35","524.66"
,"139.58","208.53","524.66"
,"145","217.01","524.66"
,"150.72","225.8","524.66"
,"156.73","234.87","524.66"
,"163.05","244.22","524.66"
,"169.68","253.78","524.66"
,"176.63","263.58","524.66"
,"183.93","273.61","524.66"
,"191.54","283.87","524.66"
,"199.5","294.41","524.66"
,"207.73","305.27","524.66"
,"216.11","316.51","524.66"
,"224.63","328.08","524.66"
,"233.48","339.96","524.66"
,"242.57","352.09","524.66"
,"251.93","364.4","524.66"
,"261.61","376.86","524.66"
,"271.56","389.38","524.66"
,"281.74","401.97","524.66"
,"292.17","414.67","524.66"
,"302.88","427.62","524.66"
,"313.9","440.91","524.66"
,"325.27","454.39","524.66"
,"336.88","467.85","523.79"
,"348.68","481.21","522.86"
,"360.63","494.44","522.03"
,"372.85","507.59","521.39"
,"385.28","520.99","520.99"
,"397.9","534.93","520.85"
,"410.74","549.3","520.84"
,"423.81","563.85","520.84"
,"437.17","578.5","520.84"
,"450.81","593.11","520.83"
,"464.61","607.54","520.82"
,"478.43","621.78","520.82"
,"492.18","635.89","520.74"
,"505.81","649.97","520.46"
,"519.62","664.04","519.62"
,"534.07","678.04","518.72"
,"548.75","691.92","517.58"
,"563.25","705.58","515.5"
,"577.61","718.89","512.6"
,"591.65","731.79","508.82"
,"605.3","744.26","504.23"
,"618.79","756.28","499.18"
,"632.49","767.97","494.01"
,"646.49","779.35","488.28"
,"660.2","790.17","0"
,"673.31","800.35","0"
,"686.41","809.87","0"
,"698.72","818.55","0"
,"711.35","826.59","0"
,"723.74","834.16","0"
,"732.06","841.65","0"
,"738.4","848.73","0"
,"746.72","854.98","0"
,"758.47","860.9","0"
,"772.55","866.4","0"
,"785.79","871.51","0"
,"797.29","876.41","0"
,"808.5","881.06","0"
,"819.6","885.39","0"
,"830.22","889.25","0"
,"840.49","892.76","0"
,"848.73","896.26","0"
,"854.98","899.82","0"
,"860.9","903.52","0"
,"866.4","907.34","0")
MasterArray["CVSMS0p"] = CVSMS0p
//Cash Value Smoker Single-pay 1=female  p=over 100,000
CVSMS1p = new Array("56.15","87.31","480.94"
,"58.7","91.12","480.94"
,"61.33","95.1","480.94"
,"64.11","99.26","480.94"
,"67.02","103.6","480.94"
,"70.05","108.12","480.94"
,"73.17","112.81","480.94"
,"76.43","117.72","480.94"
,"79.8","122.82","480.94"
,"83.33","128.14","480.94"
,"86.99","133.67","480.94"
,"90.79","139.42","480.94"
,"94.77","145.4","480.94"
,"98.93","151.63","480.94"
,"103.25","158.07","480.94"
,"107.76","164.76","480.94"
,"112.49","171.7","480.94"
,"117.43","178.91","480.94"
,"122.58","186.4","480.94"
,"127.93","194.18","480.94"
,"133.47","202.25","480.94"
,"139.18","210.64","480.94"
,"145.1","219.35","480.94"
,"151.21","228.36","480.94"
,"157.54","237.69","480.94"
,"164.11","247.33","480.94"
,"170.96","257.26","480.94"
,"178.1","267.47","480.94"
,"185.53","277.92","480.94"
,"193.27","288.59","480.94"
,"201.34","299.45","480.94"
,"209.78","310.49","480.94"
,"218.55","321.7","480.94"
,"227.6","333.07","480.94"
,"236.96","344.58","480.94"
,"246.49","356.24","480.94"
,"256.14","368.03","480.94"
,"265.9","379.94","480.94"
,"275.8","392","480.94"
,"285.93","404.19","480.94"
,"296.28","416.54","480.94"
,"306.88","429.06","480.94"
,"317.67","441.73","480.92"
,"328.67","454.5","480.86"
,"339.85","467.42","480.71"
,"351.17","480.49","480.49"
,"362.57","493.73","480.18"
,"374.05","507.1","479.8"
,"385.64","520.57","479.27"
,"397.29","534.07","478.57"
,"408.97","547.6","477.66"
,"420.72","561.17","476.5"
,"432.59","574.74","475.09"
,"444.71","588.3","473.52"
,"457.12","601.85","471.79"
,"469.74","615.41","469.74"
,"482.45","628.88","467.19"
,"495.33","641.99","464.27"
,"508.38","654.72","461.07"
,"521.56","667.04","457.55"
,"534.88","679.05","453.68"
,"548.34","690.96","449.29"
,"561.75","702.5","444.2"
,"574.89","713.32","438.35"
,"587.91","723.54","432.11"
,"600.59","733.33","0"
,"612.95","743.16","0"
,"625.25","753.36","0"
,"637.2","763.45","0"
,"648.69","773.26","0"
,"659.76","782.65","0"
,"670.26","791.37","0"
,"680.1","799.57","0"
,"689.92","807.72","0"
,"699.85","816.12","0"
,"710.67","825.11","0"
,"722.7","834.65","0"
,"734.58","843.81","0"
,"746.37","852.52","0"
,"758.18","860.71","0"
,"769.63","868.27","0"
,"780.66","875.3","0"
,"791.34","882.09","0"
,"801.68","888.69","0"
,"811.73","895.07","0"
,"821.53","901.09","0")
MasterArray["CVSMS1p"] = CVSMS1p