//
// note: Each row equals single index starting with age 0

// last digit: 1=Smoker / 0=Non-Smoker
//Cash Value SImplified Single-premium 0=Male 0=Non-Smoker(CVSIS00)
//Cash Value SImplified Single-premium 1=female 0=Non-Smoker(CVSIS10){see second array}
CVSIS00 = new Array("68","103.65","524.66"
,"71.18","107.67","524.66"
,"74.48","111.85","524.66"
,"77.89","116.18","524.66"
,"81.41","120.67","524.66"
,"85.01","125.32","524.66"
,"88.66","130.13","184.87"
,"92.31","135.12","524.66"
,"95.99","140.32","524.66"
,"99.77","145.78","524.66"
,"103.65","151.53","524.66"
,"107.67","157.59","524.66"
,"111.85","163.96","524.66"
,"116.18","170.63","524.66"
,"120.67","177.6","524.66"
,"125.32","184.87","524.66"
,"130.13","192.46","524.66"
,"135.12","200.35","524.66"
,"108.05","164.38","465.92"
,"112.53","171.49","465.92"
,"117.25","178.91","465.92"
,"122.21","186.62","465.92"
,"127.44","194.62","465.92"
,"132.93","202.91","465.92"
,"138.67","211.48","465.92"
,"144.69","220.33","465.92"
,"150.97","229.47","465.92"
,"157.54","238.91","465.92"
,"164.38","248.7","465.92"
,"171.49","258.91","465.92"
,"178.91","269.52","465.92"
,"186.62","280.51","465.92"
,"194.62","291.86","465.92"
,"202.91","303.56","465.92"
,"211.48","315.58","465.92"
,"220.33","327.88","465.92"
,"229.47","340.44","465.92"
,"238.91","353.27","465.92"
,"248.7","366.42","465.92"
,"258.91","379.93","465.92"
,"269.52","393.77","465.92"
,"280.51","407.88","465.92"
,"291.86","422.19","465.92"
,"303.56","436.64","465.92"
,"315.58","451.21","465.92"
,"327.88","465.92","465.92"
,"340.44","480.79","465.92"
,"353.27","495.86","465.92"
,"366.42","511.17","465.92"
,"379.93","526.74","465.92"
,"393.77","542.54","465.92"
,"407.88","558.51","465.92"
,"422.19","574.53","465.92"
,"436.64","590.49","465.92"
,"451.21","606.43","465.92"
,"465.92","622.36","465.92"
,"480.79","638.27","465.92"
,"495.86","654.11","465.92"
,"511.17","669.78","465.92"
,"526.74","685.14","465.92"
,"542.54","700.13","465.92"
,"558.51","714.67","465.92"
,"574.53","728.75","465.92"
,"590.49","742.41","465.92"
,"606.43","755.63","465.92"
,"622.36","768.34","465.92"
,"638.27","780.45","0"
,"654.11","791.88","0"
,"669.78","802.57","0"
,"685.14","812.51","0"
,"700.13","821.67","0"
,"714.67","830.2","0"
,"728.75","838.25","0"
,"742.41","845.85","0"
,"755.63","852.96","0"
,"768.34","859.53","0"
,"780.45","865.67","0"
,"791.88","871.55","0"
,"802.57","877.12","0"
,"812.51","882.32","0"
,"821.67","886.97","0"
,"830.2","891.2","0"
,"838.25","895.35","0"
,"845.85","899.4","0"
,"852.96","903.35","0"
,"859.53","907.19","0")

//Cash Value SImplified Single-premium 1=female
CVSIS10 = new Array("56.15","87.31","480.94"
,"58.75","91.13","480.94"
,"61.45","95.12","480.94"
,"64.27","99.28","480.94"
,"67.2","103.63","480.94"
,"70.24","108.16","480.94"
,"73.42","112.87","164.87"
,"76.69","117.77","480.94"
,"80.1","122.88","480.94"
,"83.63","128.19","480.94"
,"87.31","133.73","480.94"
,"91.13","139.49","480.94"
,"95.12","145.48","480.94"
,"99.28","151.71","480.94"
,"103.63","158.18","480.94"
,"108.16","164.87","480.94"
,"112.87","171.8","480.94"
,"117.77","178.97","480.94"
,"92.87","142.71","406"
,"96.97","148.91","406"
,"101.25","155.37","406"
,"105.72","162.11","406"
,"110.38","169.13","406"
,"115.25","176.43","406"
,"120.32","184.02","406"
,"125.59","191.89","406"
,"131.07","200.06","406"
,"136.77","208.5","406"
,"142.71","217.22","406"
,"148.91","226.21","406"
,"155.37","235.48","406"
,"162.11","245.02","406"
,"169.13","254.82","406"
,"176.43","264.87","406"
,"184.02","275.18","406"
,"191.89","285.76","406"
,"200.06","296.58","406.00"
,"208.5","307.64","406"
,"217.22","318.95","406"
,"226.21","330.52","406"
,"235.48","342.37","406"
,"245.02","354.51","406"
,"254.82","366.93","406"
,"264.87","379.65","406"
,"275.18","392.68","406"
,"285.76","406","406"
,"296.58","419.62","406"
,"307.64","433.52","406"
,"318.95","447.69","406"
,"330.52","462.11","406"
,"342.37","476.78","406"
,"354.51","491.67","406"
,"366.93","506.73","406"
,"379.65","521.95","406"
,"392.68","537.31","406"
,"406","552.79","406"
,"419.62","568.38","406"
,"433.52","584.06","406"
,"447.69","599.81","406"
,"462.11","615.61","406"
,"476.78","631.47","406"
,"491.67","647.19","406"
,"506.73","662.53","406"
,"521.95","677.52","406"
,"537.31","692.21","406"
,"552.79","706.54","406"
,"568.38","720.64","0"
,"584.06","734.33","0"
,"599.81","747.24","0"
,"615.61","759.4","0"
,"631.47","770.97","0"
,"647.19","782.79","0"
,"662.53","795.21","0"
,"677.52","807.48","0"
,"692.21","819","0"
,"706.54","829.16","0"
,"720.64","837.71","0"
,"734.33","844.63","0"
,"747.24","851.24","0"
,"759.4","858.91","0"
,"770.97","866.72","0"
,"782.79","874.25","0"
,"795.21","881.5","0"
,"807.48","888.41","0"
,"819","894.93","0"
,"829.16","900.97","0")