//contains 2009 rates added 12-2008
// note: Each row equals single index starting with age 0
//Cash Value Graded-Death Full-pay 0=Male (CVGDF0)
//Cash Value Graded-Death Full-pay 1=female (CVGDF1) {see second array bottom}
CVGDF0 = new Array("0","0","0"
,"0","0","0"
,"0","0","0"
,"0","0","0"
,"0","0","0"
,"14.69","48.63","443.24"
,"15.47","50.8","99.82"
,"16.18","53.05","440.72"
,"16.83","55.4","439.36"
,"17.46","57.91","437.93"
,"18.13","60.59","436.43"
,"18.86","63.48","434.88"
,"19.69","66.61","433.27"
,"20.64","69.98","431.62"
,"21.75","73.66","429.95"
,"23.03","77.63","428.26"
,"24.46","81.9","426.53"
,"26.02","86.43","424.76"
,"27.68","91.19","422.91"
,"29.48","96.16","420.97"
,"31.4","101.35","418.92"
,"33.46","106.74","416.76"
,"35.66","112.34","414.48"
,"38.01","118.14","412.08"
,"40.5","124.12","409.54"
,"43.15","130.3","406.88"
,"45.95","136.68","404.08"
,"48.87","143.26","401.11"
,"51.88","150.08","397.95"
,"54.99","157.19","394.59"
,"58.19","164.59","391.01"
,"61.48","172.28","387.2"
,"64.85","180.22","383.16"
,"68.32","188.39","378.86"
,"71.85","196.77","374.3"
,"75.45","205.33","369.48"
,"79.15","214.06","364.37"
,"82.97","222.96","358.96"
,"86.96","232.13","353.24"
,"91.2","241.62","347.19"
,"95.7","251.42","340.79"
,"100.45","261.48","334.03"
,"105.45","271.71","326.89"
,"110.67","282.05","319.38"
,"116.09","292.5","311.45"
,"121.65","303.08","303.08"
,"127.32","313.82","294.21"
,"133.02","324.75","284.77"
,"138.85","335.93","274.68"
,"144.87","347.42","263.91"
,"151.09","359.26","252.44"
,"157.47","371.45","240.24"
,"163.94","383.83","227.3"
,"170.46","396.31","213.59"
,"177.05","409.01","199.09"
,"183.74","421.96","183.74"
,"190.57","435.16","167.45"
,"197.58","448.51","150.06"
,"204.82","461.85","131.48"
,"212.44","475.03","111.66"
,"220.52","487.99","90.56"
,"229.14","500.69","68.23"
,"238.27","513.19","44.76"
,"249.24","526.52","22.01"
,"260.59","539.61","0"
,"272.29","552.25","0"
,"284.34","564.22","0"
,"296.61","575.28","0"
,"308.9","585.26","0"
,"320.98","594.02","0"
,"332.82","601.52","0"
,"344.38","608.04","0"
,"355.64","613.91","0"
,"366.72","619.11","0"
,"377.51","623.47","0"
,"387.83","626.8","0"
,"386.35","622.48","0"
,"394.49","624.2","0"
,"401.56","625.46","0"
,"407.49","626.04","0"
,"412.16","625.4","0")

//Cash Value Graded-Death Full-pay 1=female
CVGDF1 = new Array("0","0","0"
,"0","0","0"
,"0","0","0"
,"0","0","0"
,"0","0","0"
,"9.99","40.67","383.85"
,"10.8","42.89","86.44"
,"11.62","45.22","381.66"
,"12.47","47.64","380.47"
,"13.34","50.17","379.22"
,"14.26","52.83","377.92"
,"15.25","55.64","376.56"
,"16.3","58.58","375.15"
,"17.43","61.68","373.67"
,"18.64","64.92","372.14"
,"19.92","68.3","370.53"
,"21.28","71.83","368.84"
,"22.71","75.51","367.08"
,"24.22","79.37","365.24"
,"25.8","83.4","363.3"
,"27.46","87.63","361.26"
,"29.19","92.06","359.11"
,"30.99","96.67","356.84"
,"32.88","101.48","354.45"
,"34.83","106.49","351.93"
,"36.86","111.71","349.28"
,"38.96","117.12","346.5"
,"41.15","122.72","343.56"
,"43.44","128.5","340.47"
,"45.84","134.46","337.21"
,"48.37","140.59","333.77"
,"51.03","146.89","330.15"
,"53.83","153.35","326.34"
,"56.77","159.98","322.33"
,"59.86","166.79","318.11"
,"63.09","173.76","313.67"
,"66.45","180.88","308.99"
,"69.91","188.14","304.05"
,"73.47","195.52","298.82"
,"77.1","203.05","293.28"
,"80.81","210.77","287.43"
,"84.59","218.68","281.23"
,"88.43","226.81","274.68"
,"92.33","235.18","267.75"
,"96.3","243.8","260.43"
,"100.36","252.7","252.7"
,"104.49","261.9","244.55"
,"108.71","271.4","235.96"
,"113.02","281.22","226.91"
,"117.47","291.38","217.39"
,"122.08","301.86","207.35"
,"126.9","312.66","196.8"
,"131.94","323.75","185.68"
,"137.25","335.14","173.99"
,"142.81","346.81","161.66"
,"148.69","358.8","148.69"
,"154.89","371.1","135.03"
,"161.41","383.72","120.62"
,"168.23","396.65","105.39"
,"175.36","409.88","89.25"
,"182.77","423.44","72.13"
,"190.43","437.03","53.95"
,"198.29","450.29","34.6"
,"206.35","463.27","13.99"
,"214.63","476.06","0"
,"223.11","488.56","0"
,"231.81","501.02","0"
,"241.99","513.94","0"
,"252.98","526.18","0"
,"264.35","537.4","0"
,"276.17","547.92","0"
,"288.13","559.49","0"
,"299.76","572.87","0"
,"311.16","586.66","0"
,"322.44","599.59","0"
,"333.47","610.2","0"
,"335.23","612.16","0"
,"345.57","615.75","0"
,"354.63","618.75","0"
,"362.45","624.88","0"
,"369.55","632.04","0")