// note: Each row equals single index starting with age 0
// last digit: 1=Smoker / 0=Non-Smoker
//Cash Value SImplified Single-premium 0=Male 1=Smoker (CVSIS00)
//Cash Value SImplified Single-premium 1=female 1=Smoker (CVSIS10){see second array}
CVSIS01 = 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"
,"140.32","208.54","524.66"
,"145.78","217.03","524.66"
,"151.53","225.81","524.66"
,"157.59","234.88","524.66"
,"163.96","244.22","524.66"
,"170.63","253.81","524.66"
,"177.6","263.63","524.66"
,"184.87","273.66","524.66"
,"192.46","283.92","524.66"
,"200.35","294.44","524.66"
,"208.54","305.27","524.66"
,"217.03","316.53","524.66"
,"225.81","328.17","524.66"
,"234.88","340.15","524.66"
,"244.22","352.43","524.66"
,"253.81","364.94","524.66"
,"263.63","377.62","524.66"
,"273.66","390.4","524.66"
,"283.92","403.28","524.66"
,"294.44","416.27","524.66"
,"305.27","429.45","524.66"
,"316.53","442.89","524.66"
,"328.17","456.55","524.66"
,"340.15","470.31","524.66"
,"352.43","484.06","524.66"
,"364.94","497.7","524.66"
,"377.62","511.22","524.66"
,"390.4","524.66","524.66"
,"403.28","538.1","524.66"
,"416.27","551.64","524.66"
,"429.45","565.34","524.66"
,"442.89","579.24","524.66"
,"456.55","593.34","524.66"
,"470.31","607.58","524.66"
,"484.06","621.81","524.66"
,"497.7","635.92","524.66"
,"511.22","650","524.66"
,"524.66","664.06","524.66"
,"538.1","678.04","524.66"
,"551.64","691.92","524.66"
,"565.34","705.58","524.66"
,"579.24","718.89","524.66"
,"593.34","731.79","524.66"
,"607.58","744.26","524.66"
,"621.81","756.28","524.66"
,"635.92","767.97","524.66"
,"650","779.35","524.66"
,"664.06","790.3","524.66"
,"678.04","800.67","0"
,"691.92","810.37","0"
,"705.58","819.37","0"
,"718.89","827.64","0"
,"731.79","835.17","0"
,"744.26","842.14","0"
,"756.28","848.73","0"
,"767.97","854.98","0"
,"779.35","860.9","0"
,"790.3","866.4","0"
,"800.67","871.51","0"
,"810.37","876.41","0"
,"819.37","881.06","0"
,"827.64","885.39","0"
,"835.17","889.25","0"
,"842.14","892.76","0"
,"848.73","896.26","0"
,"854.98","899.82","0"
,"860.9","903.52","0"
,"866.4","907.34","0")

//Cash Value SImplified Single-premium 1=female
CVSIS11 = 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"
,"122.88","186.43","480.94"
,"128.19","194.19","480.94"
,"133.73","202.26","480.94"
,"139.49","210.64","480.94"
,"145.48","219.35","480.94"
,"151.71","228.36","480.94"
,"158.18","237.69","480.94"
,"164.87","247.33","480.94"
,"171.8","257.26","480.94"
,"178.97","267.47","480.94"
,"186.43","277.92","480.94"
,"194.19","288.59","480.94"
,"202.26","299.45","480.94"
,"210.64","310.49","480.94"
,"219.35","321.7","480.94"
,"228.36","333.07","480.94"
,"237.69","344.58","480.94"
,"247.33","356.24","480.94"
,"257.26","368.03","480.94"
,"267.47","379.94","480.94"
,"277.92","392.01","480.94"
,"288.59","404.23","480.94"
,"299.45","416.61","480.94"
,"310.49","429.15","480.94"
,"321.7","441.85","480.94"
,"333.07","454.7","480.94"
,"344.58","467.73","480.94"
,"356.24","480.94","480.94"
,"368.03","494.31","480.94"
,"379.94","507.85","480.94"
,"392.01","521.51","480.94"
,"404.23","535.27","480.94"
,"416.61","549.11","480.94"
,"429.15","562.97","480.94"
,"441.85","576.8","480.94"
,"454.7","590.56","480.94"
,"467.73","604.22","480.94"
,"480.94","617.81","480.94"
,"494.31","631.36","480.94"
,"507.85","644.85","480.94"
,"521.51","658.27","480.94"
,"535.27","671.63","480.94"
,"549.11","684.92","480.94"
,"562.97","697.89","480.94"
,"576.8","710.26","480.94"
,"590.56","722.04","480.94"
,"604.22","733.32","480.94"
,"617.81","744.1","480.94"
,"631.36","754.67","0"
,"644.85","764.84","0"
,"658.27","774.2","0"
,"671.63","782.81","0"
,"684.92","790.93","0"
,"697.89","799.64","0"
,"710.26","809.42","0"
,"722.04","819.51","0"
,"733.32","829.39","0"
,"744.1","838.23","0"
,"754.67","845.42","0"
,"764.84","850.96","0"
,"774.2","856.21","0"
,"782.81","862.69","0"
,"790.93","869.46","0"
,"799.64","876.06","0"
,"809.42","882.52","0"
,"819.51","888.83","0"
,"829.39","895.07","0"
,"838.23","901.09","0")