// note: Each row equals single index starting with age 0
// last digit: 1=Smoker / 0=Non-Smoker
//Cash Value SImplified Full-pay 0=Male 1=Smoker
//Cash Value SImplified Full-pay 1=Female 1=Smoker {see bottom}
CVSIF01 = new Array("12.56","50.34","496.39"
,"14.27","53","495.54"
,"15.75","55.5","494.5"
,"17.12","57.94","493.34"
,"18.41","60.36","492.06"
,"19.63","62.82","490.7"
,"20.78","65.35","124.16"
,"21.81","67.95","487.74"
,"22.74","70.65","486.14"
,"23.61","73.52","484.45"
,"24.46","76.57","482.66"
,"25.31","79.83","480.78"
,"26.19","83.32","478.81"
,"27.12","87.06","476.76"
,"28.11","91.04","474.63"
,"29.21","95.31","472.43"
,"30.44","99.91","470.18"
,"31.87","104.89","467.91"
,"33.51","110.21","465.6"
,"35.36","115.82","463.22"
,"37.44","121.7","460.74"
,"39.72","127.82","458.15"
,"42.2","134.15","455.43"
,"44.88","140.68","452.59"
,"47.75","147.37","449.61"
,"50.82","154.21","446.49"
,"54.1","161.23","443.22"
,"57.58","168.46","439.79"
,"61.21","175.95","436.17"
,"64.93","183.76","432.32"
,"68.72","191.84","428.21"
,"72.55","200.16","423.81"
,"76.41","208.64","419.12"
,"80.28","217.25","414.12"
,"84.15","225.92","408.8"
,"87.98","234.57","403.15"
,"91.81","243.19","397.13"
,"95.67","251.83","390.76"
,"99.68","260.6","383.99"
,"103.95","269.62","376.82"
,"108.47","278.83","369.22"
,"113.21","288.13","361.17"
,"118.12","297.38","352.67"
,"123.18","306.49","343.71"
,"128.33","315.45","334.27"
,"133.51","324.35","324.35"
,"138.69","333.29","313.89"
,"143.85","342.4","302.83"
,"149.04","351.72","291.05"
,"154.27","361.25","278.4"
,"159.48","371.05","264.83"
,"164.59","381.09","250.31"
,"169.49","391.23","234.85"
,"174.1","401.36","218.42"
,"178.45","411.71","201.04"
,"182.72","422.39","182.72"
,"187.06","433.35","163.4"
,"191.63","444.54","142.98"
,"196.42","455.69","121.22"
,"201.45","466.48","97.87"
,"206.81","476.87","72.86"
,"214.7","488.21","48.76"
,"223.01","499.28","23.41"
,"231.68","510.35","0"
,"240.97","521.49","0"
,"250.85","532.38","0"
,"261.14","542.56","0"
,"271.64","551.68","0"
,"282","559.49","0"
,"291.81","565.77","0"
,"300.9","570.37","0"
,"309.19","573.58","0"
,"316.9","576.01","0"
,"324.46","577.78","0"
,"331.75","578.72","0"
,"338.35","578.46","0"
,"343.74","576.96","0"
,"347.55","574.76","0"
,"349.67","571.79","0"
,"350.06","567.84","0"
,"348.58","562.31","0"
,"345.7","555.51","0"
,"342.08","548.82","0"
,"337.48","542.33","0"
,"331.76","536.5","0"
,"324.66","531.58","0")

//Cash Value SImplified Full-pay 1=female
CVSIF11 = new Array("8.65","41.38","454.82"
,"9.85","43.92","453.97"
,"10.96","46.44","453.01"
,"12.03","49","451.96"
,"13.09","51.64","450.83"
,"14.17","54.37","449.63"
,"15.28","57.2","112.46"
,"16.38","60.14","447.03"
,"17.54","63.23","445.64"
,"18.72","66.43","444.16"
,"19.91","69.76","442.61"
,"21.16","73.24","440.97"
,"22.47","76.88","439.26"
,"23.85","80.67","437.47"
,"25.32","84.64","435.59"
,"26.88","88.75","433.63"
,"28.48","93.02","431.56"
,"30.21","97.49","429.42"
,"32.03","102.17","427.17"
,"33.94","107.08","424.82"
,"35.97","112.23","422.36"
,"38.09","117.62","419.77"
,"40.3","123.26","417.05"
,"42.61","129.12","414.18"
,"45","135.21","411.15"
,"47.46","141.51","407.97"
,"50.02","148.05","404.62"
,"52.68","154.78","401.09"
,"55.45","161.67","397.37"
,"58.37","168.68","393.45"
,"61.44","175.79","389.31"
,"64.66","182.97","384.94"
,"68.05","190.24","380.33"
,"71.58","197.56","375.47"
,"75.27","204.94","370.34"
,"79.13","212.38","364.94"
,"83.15","219.88","359.26"
,"87.29","227.43","353.26"
,"91.47","235.02","346.91"
,"95.65","242.66","340.17"
,"99.8","250.35","333.01"
,"103.88","258.1","325.4"
,"107.89","265.91","317.32"
,"111.83","273.8","308.74"
,"115.67","281.82","299.64"
,"119.42","289.99","289.99"
,"123.09","298.32","279.76"
,"126.68","306.83","268.93"
,"130.29","315.53","257.49"
,"133.96","324.44","245.46"
,"137.73","333.57","232.8"
,"141.63","342.85","219.49"
,"145.67","352.23","205.5"
,"149.89","361.69","190.79"
,"154.35","371.2","175.34"
,"159.08","380.83","159.08"
,"164.09","390.63","141.98"
,"169.39","400.61","123.97"
,"174.92","410.74","104.96"
,"180.64","421.05","84.84"
,"186.54","431.55","63.54"
,"192.51","441.8","40.93"
,"198.47","451.23","16.91"
,"204.37","459.88","0"
,"211.82","468.92","0"
,"219.52","477.42","0"
,"227.27","485.74","0"
,"235.07","493.5","0"
,"242.97","499.79","0"
,"251.01","504.61","0"
,"259.27","508.5","0"
,"267.25","514.04","0"
,"274.28","522.66","0"
,"280.41","532.74","0"
,"285.77","543.06","0"
,"290.27","551.33","0"
,"294.56","555.52","0"
,"298.12","555.17","0"
,"299.6","553.98","0"
,"298.91","556.76","0"
,"296.66","560.83","0"
,"297.01","565.14","0"
,"302.79","570.2","0"
,"311.7","576.05","0"
,"321.86","582.94","0"
,"329.9","590.29","0")