// not used for 2009 added 12-2008
// saved for future use
// note: Each row equals single index starting with age 0
//Cash Value Graded-Death Single-premium 0=Male
//Cash Value Graded-Death Single-premium 1=female {see bottom}
CVGDS0 = new Array("74.15","106.35","534.18"
,"77.17","109.97","534.18"
,"80.28","113.79","534.18"
,"83.45","117.82","534.18"
,"86.65","122.09","534.18"
,"89.85","126.63","534.18"
,"93.06","131.44","534.18"
,"96.27","136.53","534.18"
,"99.54","141.88","534.18"
,"102.88","147.53","534.18"
,"106.35","153.45","534.18"
,"109.97","159.65","534.18"
,"113.79","166.13","534.18"
,"117.82","172.89","534.18"
,"122.09","179.94","534.18"
,"126.63","187.27","534.18"
,"131.44","194.89","534.18"
,"136.53","202.78","534.18"
,"141.88","210.95","534.18"
,"147.53","219.41","534.18"
,"153.45","228.14","534.18"
,"159.65","237.15","534.18"
,"166.13","246.43","534.18"
,"172.89","255.99","534.18"
,"179.94","265.83","534.18"
,"187.27","275.96","534.18"
,"194.89","286.38","534.18"
,"202.78","297.10","534.18"
,"210.95","308.13","534.18"
,"219.41","319.47","534.18"
,"228.14","331.12","534.18"
,"237.15","343.08","534.18"
,"246.43","355.32","534.18"
,"255.99","367.82","534.18"
,"265.83","380.55","534.18"
,"275.96","393.51","534.18"
,"286.38","406.68","534.18"
,"297.10","420.07","534.18"
,"308.13","433.69","534.18"
,"319.47","447.54","534.18"
,"331.12","461.62","534.18"
,"343.08","475.89","534.18"
,"355.32","490.33","534.18"
,"367.82","504.88","534.18"
,"380.55","519.51","534.18"
,"393.51","534.18","534.18"
,"406.68","548.89","534.18"
,"420.07","563.62","534.18"
,"433.69","578.40","534.18"
,"447.54","593.22","534.18"
,"461.62","608.06","534.18"
,"475.89","622.86","534.18"
,"490.33","637.54","534.18"
,"504.88","651.99","534.18"
,"519.51","666.11","534.18"
,"534.18","679.86","534.18"
,"548.89","693.22","534.18"
,"563.62","706.23","534.18"
,"578.40","718.95","534.18"
,"593.22","731.45","534.18"
,"608.06","743.74","534.18"
,"622.86","755.79","534.18"
,"637.54","767.52","534.18"
,"651.99","778.82","534.18"
,"666.11","789.60","521.51"
,"679.86","799.83","0"
,"693.22","809.54","0"
,"706.23","818.81","0"
,"718.95","827.76","0"
,"731.45","836.54","0"
,"743.74","845.31","0"
,"755.79","854.29","0"
,"767.52","863.74","0"
,"778.82","873.98","0"
,"789.60","885.33","0"
,"799.83","897.97","0"
,"809.54","911.86","0"
,"818.81","926.51","0"
,"827.76","940.82","0"
,"836.54","952.38","0"
,"845.31","1000.00","0")

//Cash Value Graded-Death Single-premium 1=female {see bottom}
CVGDS1 = new Array("58.76","86.02","460.33"
,"61.06","89.36","460.33"
,"63.46","92.84","460.33"
,"65.95","96.49","460.33"
,"68.53","100.31","460.33"
,"71.19","104.30","460.33"
,"73.95","108.47","460.33"
,"76.79","112.83","460.33"
,"79.75","117.37","460.33"
,"82.82","122.12","460.33"
,"86.02","127.07","460.33"
,"89.36","132.24","460.33"
,"92.84","137.62","460.33"
,"96.49","143.24","460.33"
,"100.31","149.10","460.33"
,"104.30","155.19","460.33"
,"108.47","161.53","460.33"
,"112.83","168.09","460.33"
,"117.37","174.87","460.33"
,"122.12","181.88","460.33"
,"127.07","189.09","460.33"
,"132.24","196.51","460.33"
,"137.62","204.15","460.33"
,"143.24","212.01","460.33"
,"149.10","220.11","460.33"
,"155.19","228.46","460.33"
,"161.53","237.08","460.33"
,"168.09","245.98","460.33"
,"174.87","255.15","460.33"
,"181.88","264.62","460.33"
,"189.09","274.37","460.33"
,"196.51","284.42","460.33"
,"204.15","294.76","460.33"
,"212.01","305.39","460.33"
,"220.11","316.29","460.33"
,"228.46","327.50","460.33"
,"237.08","339.03","460.33"
,"245.98","350.92","460.33"
,"255.15","363.21","460.33"
,"264.62","375.95","460.33"
,"274.37","389.12","460.33"
,"284.42","402.73","460.33"
,"294.76","416.71","460.33"
,"305.39","431.01","460.33"
,"316.29","445.56","460.33"
,"327.50","460.33","460.33"
,"339.03","475.32","460.33"
,"350.92","490.57","460.33"
,"363.21","506.15","460.33"
,"375.95","522.09","460.33"
,"389.12","538.40","460.33"
,"402.73","555.01","460.33"
,"416.71","571.83","460.33"
,"431.01","588.71","460.33"
,"445.56","605.53","460.33"
,"460.33","622.19","460.33"
,"475.32","638.64","460.33"
,"490.57","654.89","460.33"
,"506.15","670.95","460.33"
,"522.09","686.87","460.33"
,"538.40","702.60","460.33"
,"555.01","718.09","460.33"
,"571.83","733.23","460.33"
,"588.71","747.90","460.33"
,"605.53","761.99","453.04"
,"622.19","775.48","0"
,"638.64","788.37","0"
,"654.89","800.73","0"
,"670.95","812.62","0"
,"686.87","824.17","0"
,"702.60","835.52","0"
,"718.09","846.85","0"
,"733.23","858.36","0"
,"747.90","870.32","0"
,"761.99","883.02","0"
,"775.48","896.67","0"
,"788.37","911.23","0"
,"800.73","926.28","0"
,"812.62","940.77","0"
,"824.17","952.38","0"
,"835.52","1000.00","0")