//contains 2009 rates added 12-2008
// note: Each row equals single index starting with age 0
//Cash Value Graded-Death Twenty-pay 0=Male
//Cash Value Graded-Death Twenty-pay 1=female {see bottom}
CVGDT0 = new Array("0","0","0"
,"0","0","0"
,"0","0","0"
,"0","0","0"
,"0","0","0"
,"33.21","100.05","473.33"
,"34.65","104.07","473.33"
,"36.05","108.26","473.33"
,"37.41","112.64","473.33"
,"38.8","117.24","473.33"
,"40.24","122.1","473.33"
,"41.76","127.21","473.33"
,"43.39","132.59","473.33"
,"45.15","138.23","473.33"
,"47.07","144.15","473.33"
,"49.14","150.35","473.33"
,"51.36","156.82","473.33"
,"53.71","163.57","473.33"
,"56.17","170.59","473.33"
,"58.79","177.9","473.33"
,"61.56","185.5","473.33"
,"64.49","193.38","473.33"
,"67.59","201.56","473.33"
,"70.86","210.02","473.33"
,"74.29","218.75","473.33"
,"77.9","227.74","473.33"
,"81.68","237.01","473.33"
,"85.6","246.58","473.33"
,"89.66","256.49","473.33"
,"93.84","266.81","473.33"
,"98.14","277.52","473.33"
,"102.56","288.61","473.33"
,"107.1","300.06","473.33"
,"111.74","311.83","473.33"
,"116.46","323.9","473.33"
,"121.27","336.23","473.33"
,"126.17","348.79","473.33"
,"131.19","361.6","473.33"
,"136.36","374.7","473.33"
,"141.77","388.16","473.33"
,"147.4","401.93","473.33"
,"153.24","415.96","473.33"
,"159.28","430.15","473.33"
,"165.48","444.45","473.33"
,"171.81","458.84","473.33"
,"178.23","473.33","907.2"
,"184.68","452.3","487.96"
,"191.11","430.88","502.78"
,"197.59","409.05","517.81"
,"204.18","386.77","533.08"
,"210.86","548.59","364.03"
,"217.57","564.28","340.82"
,"224.22","580.02","317.15"
,"230.77","595.7","293.04"
,"237.21","611.37","268.51"
,"243.56","627.04","243.56"
,"249.85","642.69","218.16"
,"256.1","658.27","192.2"
,"262.36","673.67","165.65"
,"268.72","688.76","138.46"
,"275.39","703.49","110.8"
,"283.47","717.77","84.18"
,"291.74","731.6","57.21"
,"300.08","745.02","29.82"
,"308.61","758.02","0"
,"317.33","770.52","0"
,"326.27","782.43","0"
,"335.36","793.66","0"
,"344.45","804.16","0"
,"353.36","813.92","0"
,"362.11","822.91","0"
,"370.75","831.27","0"
,"379.21","839.18","0"
,"387.68","846.64","0"
,"396.06","853.63","0"
,"404.2","860.1","0"
,"399.19","866.15","0"
,"405.34","871.94","0"
,"410.64","877.43","0"
,"415.02","882.55","0"
,"418.33","887.15","0")

//Cash Value Graded-Death Twenty-pay 1=female
CVGDT1 = new Array("0","0","0"
,"0","0","0"
,"0","0","0"
,"0","0","0"
,"0","0","0"
,"25.76","84.2","411.81"
,"27.09","87.91","411.81"
,"28.47","91.78","411.81"
,"29.89","95.82","411.81"
,"31.37","100.03","411.81"
,"32.91","104.43","411.81"
,"34.53","109.03","411.81"
,"36.24","113.82","411.81"
,"38.04","118.81","411.81"
,"39.95","124.01","411.81"
,"41.94","129.41","411.81"
,"44.04","135.01","411.81"
,"46.23","140.84","411.81"
,"48.52","146.91","411.81"
,"50.9","153.24","411.81"
,"53.39","159.85","411.81"
,"55.99","166.72","411.81"
,"58.69","173.88","411.81"
,"61.49","181.32","411.81"
,"64.39","189.05","411.81"
,"67.4","197.06","411.81"
,"70.51","205.36","411.81"
,"73.73","213.93","411.81"
,"77.07","222.78","411.81"
,"80.55","231.89","411.81"
,"84.19","241.26","411.81"
,"87.97","250.89","411.81"
,"91.91","260.78","411.81"
,"96.01","270.91","411.81"
,"100.27","281.28","411.81"
,"104.68","291.9","411.81"
,"109.24","302.76","411.81"
,"113.91","313.85","411.81"
,"118.69","325.16","411.81"
,"123.56","336.71","411.81"
,"128.51","348.53","411.81"
,"133.55","360.63","411.81"
,"138.64","373","411.81"
,"143.79","385.65","411.81"
,"149","398.59","411.81"
,"154.26","411.81","411.81"
,"159.57","425.32","393.6"
,"164.91","439.09","374.96"
,"170.3","453.13","355.89"
,"175.74","467.42","336.39"
,"181.27","481.94","316.46"
,"186.91","496.66","296.12"
,"192.66","511.54","275.36"
,"198.54","526.57","254.2"
,"204.55","541.72","232.65"
,"210.71","556.98","210.71"
,"217.03","572.34","188.39"
,"223.49","587.79","165.67"
,"230.08","603.31","142.53"
,"236.78","618.89","118.93"
,"243.56","634.51","94.82"
,"250.39","649.98","70.16"
,"257.21","665.08","44.89"
,"264.02","679.83","18.93"
,"270.83","694.27","0"
,"278.55","708.35","0"
,"286.62","722.22","0"
,"294.78","735.68","0"
,"303.11","748.39","0"
,"311.66","760.34","0"
,"320.55","771.73","0"
,"329.51","783.41","0"
,"338.1","795.71","0"
,"346.39","807.88","0"
,"354.44","819.33","0"
,"362.23","829.44","0"
,"360.43","837.93","0"
,"367.58","844.81","0"
,"373.73","851.36","0"
,"378.91","858.99","0"
,"383.53","866.77","0")