<!--
// Rates changed for new Term product August 2007
//  Class descriptions also changed.
function initArray() 
{
	this.length = initArray.arguments.length
	for (var x = 0; x < this.length; x++)
		this[x+1]  = initArray.arguments[x]

// alert(initArray.arguments.length);
}

var FemaleTermRates = new initArray(	
//18 Years Old
0.23,0.32,0.41,0.44,0.53,0.34,0.37,0.44,0.5,0.69,
//19 Years Old
0.25,0.33,0.43,0.46,0.57,0.37,0.39,0.47,0.53,0.75,
//20 Years Old
0.26,0.35,0.46,0.48,0.61,0.39,0.41,0.5,0.56,0.81,
//21 Years Old
0.27,0.37,0.48,0.5,0.65,0.42,0.44,0.54,0.6,0.88,
//22 Years Old
0.29,0.39,0.51,0.53,0.69,0.45,0.48,0.57,0.65,0.95,
//23 Years Old
0.3,0.41,0.53,0.56,0.74,0.48,0.51,0.62,0.7,1.04,
//24 Years Old
0.32,0.43,0.57,0.59,0.79,0.52,0.55,0.67,0.75,1.13,
//25 Years Old
0.34,0.46,0.6,0.63,0.85,0.57,0.6,0.72,0.81,1.23,
//26 Years Old
0.35,0.48,0.62,0.66,0.9,0.6,0.63,0.77,0.87,1.34,
//27 Years Old
0.36,0.49,0.65,0.7,0.96,0.63,0.67,0.83,0.94,1.46,
//28 Years Old
0.38,0.5,0.68,0.74,1.03,0.66,0.71,0.89,1.02,1.59,
//29 Years Old
0.39,0.51,0.72,0.78,1.1,0.7,0.75,0.95,1.1,1.73,
//30 Years Old
0.4,0.53,0.76,0.83,1.18,0.73,0.8,1.02,1.19,1.88,
//31 Years Old
0.42,0.57,0.8,0.89,1.28,0.77,0.85,1.1,1.29,2.04,
//32 Years Old
0.44,0.61,0.85,0.95,1.38,0.8,0.9,1.18,1.4,2.22,
//33 Years Old
0.47,0.65,0.9,1.02,1.49,0.83,0.95,1.27,1.51,2.41,
//34 Years Old
0.49,0.69,0.95,1.1,1.61,0.87,1,1.37,1.64,2.62,
//35 Years Old
0.52,0.73,1.01,1.18,1.75,0.91,1.05,1.47,1.77,2.84,
//36 Years Old
0.55,0.78,1.08,1.26,1.94,0.97,1.12,1.61,1.94,3.1,
//37 Years Old
0.58,0.82,1.14,1.36,2.14,1.04,1.2,1.76,2.12,3.38,
//38 Years Old
0.61,0.87,1.22,1.46,2.37,1.12,1.29,1.93,2.32,3.69,
//39 Years Old
0.64,0.93,1.3,1.56,2.62,1.22,1.41,2.11,2.54,4.02,
//40 Years Old
0.68,0.98,1.38,1.68,2.9,1.33,1.54,2.31,2.78,4.39,
//41 Years Old
0.72,1.04,1.47,1.8,3.21,1.46,1.7,2.53,3.04,4.78,
//42 Years Old
0.77,1.1,1.57,1.93,3.55,1.61,1.88,2.77,3.33,5.21,
//43 Years Old
0.82,1.17,1.68,2.08,3.91,1.76,2.08,3.04,3.65,5.67,
//44 Years Old
0.88,1.24,1.8,2.23,4.32,1.91,2.32,3.33,4,6.18,
//45 Years Old
0.95,1.32,1.92,2.38,4.75,2.07,2.53,3.65,4.38,6.72,
//46 Years Old
1.02,1.4,2.07,2.53,5.1,2.27,2.76,3.97,4.76,7.27,
//47 Years Old
1.11,1.5,2.22,2.68,5.47,2.48,3.02,4.32,5.18,7.85,
//48 Years Old
1.21,1.61,2.39,2.84,5.86,2.72,3.29,4.69,5.63,8.48,
//49 Years Old
1.32,1.73,2.57,3,6.29,2.98,3.6,5.09,6.11,9.13,
//50 Years Old
1.45,1.86,2.77,3.35,6.79,3.27,3.93,5.52,6.62,9.83,
//51 Years Old
1.6,2.01,2.99,3.49,7.31,0.00,0.00,0.00,0.00,0.00,
//52 Years Old
1.76,2.17,3.23,3.81,7.86,0.00,0.00,0.00,0.00,0.00,
//53 Years Old
1.95,2.36,3.49,4.18,8.44,0.00,0.00,0.00,0.00,0.00,
//54 Years Old
2.15,2.56,3.78,4.59,9.11,0.00,0.00,0.00,0.00,0.00,
//55 Years Old
2.39,2.79,4.09,5.11,9.84,0.00,0.00,0.00,0.00,0.00,
//56 Years Old
2.61,3.04,4.43,5.55,10.49,0.00,0.00,0.00,0.00,0.00,
//57 Years Old
2.85,3.31,4.79,6.03,11.18,0.00,0.00,0.00,0.00,0.00,
//58 Years Old
3.11,3.61,5.2,6.55,11.9,0.00,0.00,0.00,0.00,0.00,
//59 Years Old
3.41,3.94,5.63,7.11,12.66,0.00,0.00,0.00,0.00,0.00,
//60 Years Old
3.73,4.3,6.1,7.72,13.45,0.00,0.00,0.00,0.00,0.00)

var FemaleTermWaiver = new initArray(	
//18 Year Old
0.15,0.15,0.18,0.18,0.21,0.15,0.15,0.20,0.20,0.24, 
//19 Year Old
0.15,0.15,0.18,0.18,0.21,0.15,0.15,0.20,0.20,0.24, 
//20 Year Old
0.15,0.15,0.18,0.18,0.21,0.15,0.15,0.20,0.20,0.24, 
//21 Year Old
0.15,0.15,0.18,0.18,0.21,0.15,0.15,0.20,0.20,0.25, 
//22 Year Old
0.15,0.15,0.18,0.18,0.22,0.15,0.15,0.20,0.20,0.25, 
//23 Year Old
0.15,0.15,0.18,0.18,0.22,0.15,0.15,0.20,0.20,0.25, 
//24 Year Old
0.15,0.15,0.18,0.18,0.22,0.15,0.15,0.20,0.20,0.25, 
//25 Year Old
0.15,0.15,0.18,0.18,0.22,0.15,0.15,0.20,0.20,0.25,
//26 Year Old
0.15,0.15,0.18,0.18,0.23,0.15,0.15,0.20,0.20,0.25,
//27 Year Old
0.15,0.15,0.18,0.18,0.24,0.15,0.15,0.20,0.20,0.26,
//28 Year Old
0.15,0.15,0.18,0.18,0.24,0.17,0.17,0.22,0.22,0.29,
//29 Year Old
0.15,0.15,0.18,0.18,0.24,0.17,0.17,0.22,0.22,0.29,
//30 Year Old
0.15,0.15,0.18,0.18,0.24,0.17,0.17,0.22,0.22,0.29,
//31 Year Old
0.15,0.15,0.18,0.18,0.24,0.17,0.17,0.23,0.23,0.31,
//32 Year Old
0.15,0.15,0.18,0.18,0.24,0.19,0.19,0.26,0.26,0.34,
//33 Year Old
0.15,0.15,0.18,0.18,0.25,0.20,0.20,0.27,0.27,0.36,
//34 Year Old
0.15,0.15,0.18,0.18,0.25,0.21,0.21,0.29,0.29,0.39,
//35 Year Old
0.15,0.15,0.19,0.19,0.27,0.22,0.22,0.30,0.30,0.41,
//36 Year Old
0.16,0.16,0.20,0.20,0.28,0.23,0.23,0.31,0.31,0.42,
//37 Year Old
0.16,0.16,0.20,0.20,0.29,0.23,0.23,0.31,0.31,0.43,
//38 Year Old
0.17,0.17,0.21,0.21,0.30,0.24,0.24,0.32,0.32,0.43,
//39 Year Old
0.18,0.18,0.24,0.24,0.34,0.24,0.24,0.32,0.32,0.44,
//40 Year Old
0.19,0.19,0.25,0.25,0.36,0.25,0.25,0.33,0.33,0.45,
//41 Year Old
0.21,0.21,0.27,0.27,0.38,0.25,0.25,0.34,0.34,0.46,
//42 Year Old
0.22,0.22,0.28,0.28,0.40,0.26,0.26,0.34,0.34,0.47,
//43 Year Old
0.23,0.23,0.30,0.30,0.43,0.26,0.26,0.35,0.35,0.47,
//44 Year Old
0.26,0.26,0.34,0.34,0.47,0.27,0.27,0.35,0.35,0.48,
//45 Year Old
0.27,0.27,0.36,0.36,0.49,0.27,0.27,0.36,0.36,0.49,
//46 Year Old
0.33,0.33,0.44,0.44,0.60,0.33,0.33,0.44,0.44,0.60,
//47 Year Old
0.36,0.36,0.47,0.47,0.64,0.36,0.36,0.47,0.47,0.64,
//48 Year Old
0.41,0.41,0.55,0.55,0.75,0.41,0.41,0.55,0.55,0.75,
//49 Year Old
0.49,0.49,0.65,0.65,0.88,0.49,0.49,0.65,0.65,0.88,
//50 Year Old
0.54,0.54,0.72,0.72,0.99,0.54,0.54,0.72,0.72,0.99,
//51 Year Old
0.72,0.72,0.96,0.96,1.30,0.72,0.72,0.96,0.96,1.30,
//52 Year Old
0.90,0.90,1.20,1.20,1.61,0.90,0.90,1.20,1.20,1.61,
//53 Year Old
1.08,1.08,1.44,1.44,1.92,1.08,1.08,1.44,1.44,1.92,
//54 Year Old
1.26,1.26,1.68,1.68,2.23,1.26,1.26,1.68,1.68,2.23,
//55 Year Old
1.46,1.46,1.94,1.94,2.53,1.46,1.46,1.94,1.94,2.53,
//56 Year Old
1.55,1.55,2.06,2.06,2.71,1.55,1.55,2.06,2.06,2.71,
//57 Year Old
1.65,1.65,2.15,2.15,2.85,1.65,1.65,2.15,2.15,2.85,
//58 Year Old
1.74,1.74,2.23,2.23,3.01,1.74,1.74,2.23,2.23,3.01,
//59 Year Old
1.74,1.74,2.23,2.23,3.01,1.74,1.74,2.23,2.23,3.01,
//60 Year Old
1.74,1.74,2.23,2.23,3.01,1.74,1.74,2.23,2.23,3.01)

var MaleTermRates = new initArray(	
//18 Years Old
0.4,0.51,0.59,0.66,0.88,0.47,0.52,0.65,0.75,1.09,
//19 Years Old
0.41,0.52,0.6,0.68,0.92,0.49,0.54,0.68,0.78,1.15,
//20 Years Old
0.42,0.53,0.61,0.69,0.96,0.51,0.57,0.71,0.81,1.21,
//21 Years Old
0.43,0.54,0.62,0.7,0.99,0.54,0.59,0.74,0.84,1.28,
//22 Years Old
0.44,0.55,0.64,0.72,1.04,0.57,0.62,0.77,0.88,1.36,
//23 Years Old
0.46,0.57,0.66,0.74,1.09,0.6,0.66,0.81,0.93,1.44,
//24 Years Old
0.48,0.59,0.68,0.77,1.14,0.64,0.69,0.86,0.98,1.54,
//25 Years Old
0.5,0.62,0.71,0.8,1.2,0.68,0.74,0.91,1.04,1.64,
//26 Years Old
0.5,0.62,0.73,0.84,1.26,0.71,0.78,0.96,1.1,1.76,
//27 Years Old
0.5,0.62,0.76,0.87,1.34,0.75,0.82,1.02,1.18,1.89,
//28 Years Old
0.51,0.63,0.79,0.92,1.41,0.79,0.87,1.09,1.25,2.03,
//29 Years Old
0.51,0.64,0.83,0.97,1.5,0.83,0.92,1.17,1.34,2.19,
//30 Years Old
0.51,0.65,0.87,1.02,1.59,0.88,0.98,1.25,1.44,2.36,
//31 Years Old
0.52,0.7,0.91,1.09,1.7,0.93,1.04,1.34,1.56,2.56,
//32 Years Old
0.54,0.75,0.97,1.16,1.82,0.99,1.11,1.45,1.68,2.77,
//33 Years Old
0.56,0.81,1.03,1.25,1.96,1.06,1.19,1.57,1.83,3.01,
//34 Years Old
0.58,0.86,1.09,1.34,2.11,1.13,1.28,1.71,1.99,3.28,
//35 Years Old
0.61,0.92,1.17,1.45,2.29,1.2,1.38,1.86,2.17,3.58,
//36 Years Old
0.64,0.98,1.25,1.58,2.5,1.27,1.5,2.04,2.35,3.91,
//37 Years Old
0.68,1.05,1.33,1.72,2.74,1.36,1.61,2.24,2.54,4.26,
//38 Years Old
0.72,1.12,1.44,1.87,3.01,1.45,1.72,2.46,2.75,4.64,
//39 Years Old
0.77,1.2,1.55,2.04,3.29,1.56,1.85,2.7,2.97,5.05,
//40 Years Old
0.83,1.28,1.69,2.23,3.6,1.69,2,2.95,3.21,5.48,
//41 Years Old
0.9,1.37,1.85,2.44,3.94,1.84,2.18,3.24,3.47,5.95,
//42 Years Old
0.98,1.46,2.02,2.67,4.32,2.03,2.39,3.55,3.75,6.45,
//43 Years Old
1.07,1.57,2.22,2.93,4.74,2.24,2.64,3.89,4.05,7,
//44 Years Old
1.18,1.69,2.44,3.21,5.19,2.46,2.93,4.27,4.37,7.58,
//45 Years Old
1.31,1.82,2.69,3.53,5.69,2.66,3.19,4.67,4.72,8.19,
//46 Years Old
1.45,1.97,2.96,3.87,6.2,2.93,3.5,5.1,5.15,8.82,
//47 Years Old
1.61,2.14,3.26,4.24,6.74,3.22,3.84,5.56,5.62,9.5,
//48 Years Old
1.8,2.33,3.59,4.64,7.33,3.55,4.21,6.06,6.12,10.23,
//49 Years Old
2.01,2.54,3.96,5.08,7.96,3.92,4.63,6.61,6.68,11.01,
//50 Years Old
2.23,2.78,4.36,5.57,8.64,4.33,5.09,7.2,7.28,11.86,
//51 Years Old
2.47,3.05,4.8,6.1,9.38,0.00,0.00,0.00,0.00,0.00,
//52 Years Old
2.74,3.36,5.29,6.68,10.17,0.00,0.00,0.00,0.00,0.00,
//53 Years Old
3.04,3.71,5.83,7.33,11.03,0.00,0.00,0.00,0.00,0.00,
//54 Years Old
3.37,4.09,6.42,8.03,11.94,0.00,0.00,0.00,0.00,0.00,
//55 Years Old
3.73,4.53,7.07,8.8,12.9,0.00,0.00,0.00,0.00,0.00,
//56 Years Old
4.11,4.98,7.75,9.65,13.94,0.00,0.00,0.00,0.00,0.00,
//57 Years Old
4.53,5.48,8.48,10.58,15.05,0.00,0.00,0.00,0.00,0.00,
//58 Years Old
5,6.04,9.27,11.58,16.25,0.00,0.00,0.00,0.00,0.00,
//59 Years Old
5.53,6.65,10.11,12.53,17.55,0.00,0.00,0.00,0.00,0.00,
//60 Years Old
6.12,7.33,11.02,13.54,18.96,0.00,0.00,0.00,0.00,0.00)

var MaleTermWaiver = new initArray(	
//18 Year Old
0.08,0.08,0.11,0.11,0.13,0.09,0.09,0.12,0.12,0.15, 
//19 Year Old
0.08,0.08,0.11,0.11,0.13,0.09,0.09,0.12,0.12,0.15,
//20 Year Old
0.08,0.08,0.11,0.11,0.13,0.09,0.09,0.12,0.12,0.15, 
//21 Year Old
0.08,0.08,0.11,0.11,0.13,0.09,0.09,0.12,0.12,0.15,
//22 Year Old
0.08,0.08,0.11,0.11,0.13,0.09,0.09,0.12,0.12,0.15, 
//23 Year Old
0.08,0.08,0.11,0.11,0.13,0.09,0.09,0.12,0.12,0.15,
//24 Year Old
0.08,0.08,0.11,0.11,0.13,0.09,0.09,0.12,0.12,0.15, 
//25 Year Old
0.08,0.08,0.11,0.11,0.14,0.09,0.09,0.12,0.12,0.15, 
//26 Year Old
0.08,0.08,0.11,0.11,0.14,0.09,0.09,0.12,0.12,0.15,
//27 Year Old
0.08,0.08,0.11,0.11,0.14,0.09,0.09,0.12,0.12,0.15,
//28 Year Old
0.08,0.08,0.11,0.11,0.14,0.09,0.09,0.12,0.12,0.16,
//29 Year Old
0.08,0.08,0.11,0.11,0.15,0.09,0.09,0.12,0.12,0.16,
//30 Year Old
0.08,0.08,0.11,0.11,0.15,0.10,0.10,0.13,0.13,0.17,
//31 Year Old
0.08,0.08,0.11,0.11,0.15,0.10,0.10,0.13,0.13,0.17,
//32 Year Old
0.09,0.09,0.11,0.11,0.15,0.11,0.11,0.14,0.14,0.19,
//33 Year Old
0.09,0.09,0.12,0.12,0.16,0.12,0.12,0.17,0.17,0.22,
//34 Year Old
0.10,0.10,0.12,0.12,0.17,0.13,0.13,0.18,0.18,0.24,
//35 Year Old
0.11,0.11,0.13,0.13,0.20,0.15,0.15,0.20,0.20,0.27,
//36 Year Old
0.11,0.11,0.13,0.13,0.20,0.17,0.17,0.22,0.22,0.30,
//37 Year Old
0.13,0.13,0.15,0.15,0.23,0.18,0.18,0.24,0.24,0.33,
//38 Year Old
0.14,0.14,0.17,0.17,0.25,0.20,0.20,0.26,0.26,0.36,
//39 Year Old
0.15,0.15,0.19,0.19,0.28,0.21,0.21,0.28,0.28,0.39,
//40 Year Old
0.17,0.17,0.21,0.21,0.31,0.23,0.23,0.30,0.30,0.43,
//41 Year Old
0.19,0.19,0.23,0.23,0.34,0.24,0.24,0.32,0.32,0.46,
//42 Year Old
0.21,0.21,0.26,0.26,0.39,0.26,0.26,0.34,0.34,0.49,
//43 Year Old
0.23,0.23,0.30,0.30,0.44,0.27,0.27,0.36,0.36,0.52,
//44 Year Old
0.27,0.27,0.35,0.35,0.52,0.29,0.29,0.38,0.38,0.55,
//45 Year Old
0.30,0.30,0.40,0.40,0.58,0.30,0.30,0.40,0.40,0.58,
//46 Year Old
0.37,0.37,0.50,0.50,0.72,0.37,0.37,0.50,0.50,0.72,
//47 Year Old
0.43,0.43,0.58,0.58,0.83,0.43,0.43,0.58,0.58,0.83,
//48 Year Old
0.49,0.49,0.67,0.67,0.95,0.49,0.49,0.67,0.67,0.95,
//49 Year Old
0.60,0.60,0.83,0.83,1.16,0.60,0.60,0.83,0.83,1.16,
//50 Year Old
0.68,0.68,0.94,0.94,1.31,0.68,0.68,0.94,0.94,1.31,
//51 Year Old
0.89,0.89,1.22,1.22,1.66,0.89,0.89,1.22,1.22,1.66,
//52 Year Old
1.10,1.10,1.50,1.50,2.01,1.10,1.10,1.50,1.50,2.01,
//53 Year Old
1.31,1.31,1.78,1.78,2.36,1.31,1.31,1.78,1.78,2.36,
//54 Year Old
1.52,1.52,2.06,2.06,2.71,1.52,1.52,2.06,2.06,2.71,
//55 Year Old
1.73,1.73,2.32,2.32,3.06,1.73,1.73,2.32,2.32,3.06,
//56 Year Old
1.82,1.82,2.48,2.48,3.28,1.82,1.82,2.48,2.48,3.28,
//57 Year Old
1.93,1.93,2.58,2.58,3.44,1.93,1.93,2.58,2.58,3.44,
//58 Year Old
2.02,2.02,2.68,2.68,3.59,2.02,2.02,2.68,2.68,3.59,
//59 Year Old
2.02,2.02,2.68,2.68,3.59,2.02,2.02,2.68,2.68,3.59,
//60 Year Old
2.02,2.02,2.68,2.68,3.59,2.02,2.02,2.68,2.68,3.59)

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