// note: Each row equals single index starting with age 0
// last digit: 1=Smoker / 0=Non-Smoker
//Cash Value SImplified Twenty-pay 0=Male 0=Non-Smoker
//Cash Value SImplified Twenty-pay 1=female 0=Non-Smoker{see bottom}
CVSIT00 = new Array("31.82","103.65","524.66"
,"33.99","107.67","524.66"
,"36.05","111.85","524.66"
,"38.08","116.18","524.66"
,"40.09","120.67","524.66"
,"42.07","125.32","524.66"
,"44.02","130.13","184.87"
,"45.88","135.12","524.66"
,"47.69","140.32","524.66"
,"49.48","145.78","524.66"
,"51.28","151.53","524.66"
,"53.12","157.59","524.66"
,"55.02","163.96","524.66"
,"56.99","170.63","524.66"
,"59.04","177.6","524.66"
,"61.2","184.87","524.66"
,"63.48","192.46","524.66"
,"65.94","200.35","524.66"
,"51.98","164.38","465.92"
,"54.54","171.49","465.92"
,"57.26","178.91","465.92"
,"60.13","186.62","465.92"
,"63.16","194.62","465.92"
,"66.34","202.91","465.92"
,"69.66","211.48","465.92"
,"73.15","220.33","465.92"
,"76.79","229.47","465.92"
,"80.61","238.91","465.92"
,"84.58","248.7","465.92"
,"88.66","258.91","465.92"
,"92.88","269.52","465.92"
,"97.22","280.51","465.92"
,"101.68","291.86","465.92"
,"106.23","303.56","465.92"
,"110.89","315.58","465.92"
,"115.63","327.88","465.92"
,"120.47","340.44","465.92"
,"125.41","353.27","465.92"
,"130.51","366.42","465.92"
,"135.84","379.93","465.92"
,"141.38","393.77","465.92"
,"147.1","407.88","465.92"
,"153","422.19","465.92"
,"159.04","436.64","465.92"
,"165.22","451.21","465.92"
,"171.49","465.92","465.92"
,"177.81","480.79","445.16"
,"184.19","495.86","423.96"
,"190.64","511.17","402.3"
,"197.17","526.74","380.13"
,"203.73","542.54","357.43"
,"210.28","558.51","334.15"
,"216.73","574.53","310.29"
,"223.02","590.49","285.83"
,"229.14","606.43","260.78"
,"235.15","622.36","235.15"
,"241.1","638.27","208.94"
,"247.04","654.11","182.1"
,"252.99","669.78","154.52"
,"258.95","685.14","126.08"
,"264.94","700.13","96.71"
,"270.96","714.67","66.38"
,"276.95","728.75","35.09"
,"282.83","742.41","2.81"
,"290.29","755.63","0"
,"297.9","768.34","0"
,"305.71","780.45","0"
,"313.61","791.88","0"
,"321.43","802.57","0"
,"328.93","812.51","0"
,"336","821.67","0"
,"342.58","830.2","0"
,"348.8","838.25","0"
,"354.89","845.85","0"
,"360.74","852.96","0"
,"366.11","859.53","0"
,"370.66","865.67","0"
,"374.11","871.55","0"
,"376.31","877.12","0"
,"377.17","882.32","0"
,"376.55","886.97","0"
,"374.83","891.2","0"
,"372.48","895.35","0"
,"369.29","899.4","0"
,"365.03","903.35","0"
,"359.45","907.19","0")

//Cash Value SImplified Twenty-pay 1=female
CVSIT10 = new Array("25.31","87.31","480.94"
,"26.96","91.13","480.94"
,"28.6","95.12","480.94"
,"30.24","99.28","480.94"
,"31.9","103.63","480.94"
,"33.61","108.16","480.94"
,"35.39","112.87","164.87"
,"37.19","117.77","480.94"
,"39.06","122.88","480.94"
,"40.99","128.19","480.94"
,"42.96","133.73","480.94"
,"45.02","139.49","480.94"
,"47.16","145.48","480.94"
,"49.4","151.71","480.94"
,"51.75","158.18","480.94"
,"54.21","164.87","480.94"
,"56.75","171.8","480.94"
,"59.42","178.97","480.94"
,"45.56","142.71","406"
,"47.88","148.91","406"
,"50.3","155.37","406"
,"52.82","162.11","406"
,"55.44","169.13","406"
,"58.17","176.43","406"
,"61","184.02","406"
,"63.92","191.89","406"
,"66.94","200.06","406"
,"70.08","208.5","406"
,"73.33","217.22","406"
,"76.74","226.21","406"
,"80.28","235.48","406"
,"83.97","245.02","406"
,"87.81","254.82","406"
,"91.8","264.87","406"
,"95.95","275.18","406"
,"100.24","285.76","406"
,"104.68","296.58","406.00"
,"109.25","307.64","406"
,"113.94","318.95","406"
,"118.72","330.52","406"
,"123.6","342.37","406"
,"128.55","354.51","406"
,"133.56","366.93","406"
,"138.61","379.65","406"
,"143.71","392.68","406"
,"148.86","406","406"
,"154.04","419.62","387.92"
,"159.25","433.52","369.37"
,"164.49","447.69","350.33"
,"169.77","462.11","330.8"
,"175.12","476.78","310.78"
,"180.55","491.67","290.26"
,"186.07","506.73","269.26"
,"191.69","521.95","247.76"
,"197.43","537.31","225.77"
,"203.28","552.79","203.28"
,"209.25","568.38","180.29"
,"215.34","584.06","156.8"
,"221.54","599.81","132.78"
,"227.81","615.61","108.2"
,"234.15","631.47","82.99"
,"240.49","647.19","57.09"
,"246.79","662.53","30.43"
,"253.05","677.52","2.92"
,"259.24","692.21","0"
,"265.36","706.54","0"
,"271.42","720.64","0"
,"277.43","734.33","0"
,"284.64","747.24","0"
,"292.26","759.4","0"
,"300.09","770.97","0"
,"307.85","782.79","0"
,"315.14","795.21","0"
,"321.98","807.48","0"
,"328.47","819","0"
,"334.52","829.16","0"
,"340.56","837.71","0"
,"346.27","844.63","0"
,"350.83","851.24","0"
,"354.09","858.91","0"
,"356.24","866.72","0"
,"359.95","874.25","0"
,"366.97","881.5","0"
,"375.32","888.41","0"
,"382.96","894.93","0"
,"387.72","900.97","0")