{"text_format":"1","workbook":"xlsx","n_sheets":18,"sheets":["Lookup","Sheet1","Life-Pay Standard MT","Life-Pay Standard MN","Life-Pay Standard FT","Life-Pay Standard FN","Life-Pay Special MT","Life-Pay Special MN","Life-Pay Special FT","Life-Pay Special FN","20-Pay Standard MT","20-Pay Standard MN","20-Pay Standard FT","20-Pay Standard FN","20-Pay Special MT","20-Pay Special MN","20-Pay Special FT","20-Pay Special FN"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":0,"defined_names":27,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Lookup","index":0,"n_rows":37,"n_cols":19,"rows_kept":37,"cut":false,"hidden":false,"merged":[[27,1,27,2],[0,0,0,3],[1,1,1,2]]}
["aPriority® Whole Life Rate Quote",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"25,000 Life Pay, Non-tobacco, no riders, standard"]
[null,"Enter data in the highlighted fields below to calculate a premium rate. To ensure that all quote features are working as expected, please select \"Enable Content\" when requested."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"Age","M","F"]
[null,"Date of Quote","Enter Date",null,null,null,null,null,null,null,null,null,null,null,null,null,50,59.41,53.55]
[null,"Name of Proposed Insured","Enter Name of Proposed Insured",null,null,null,null,null,null,null,null,null,null,null,null,null,51,62.28,55.74]
[null,null,"Use drop-down menu to select options",null,null,null,null,null,null,null,null,null,null,null,null,null,52,65.12,57.93]
[null,"Gender","F",null,null,null,null,null,null,null,null,null,"Low Face Amount","Band",null,null,53,67.989999999999995,60.11]
[null,"Issue Age",50,null,null,null,null,null,null,null,null,null,0,1,null,null,54,70.83,62.3]
[null,"Payment Period","Life-Pay",null,null,null,null,null,null,null,null,null,24999,2,null,null,55,73.7,64.489999999999995]
[null,"Rate Class","Standard",null,null,null,null,null,null,null,null,null,74999,3,null,null,56,77.13,67.16]
[null,"Tobacco Status","N",null,null,null,null,null,null,null,null,null,null,null,null,null,57,80.540000000000006,69.83]
[null,"Payment Mode","Monthly EFT",null,null,null,null,null,null,null,null,null,"M",null,null,null,58,83.98,72.489999999999995]
[null,"Waiver of Premium Rider","N",null,null,null,null,null,null,null,null,null,"F",null,null,null,59,87.39,75.16]
[null,"ADB Rider Amount",0,null,null,null,null,null,null,null,null,null,null,null,null,null,60,90.83,77.83]
[null,"Face Amount",25000,null,{"$f":"VLOOKUP(C15,$M$8:$N$10,2,TRUE)","v":2},null,null,null,null,null,null,null,null,null,null,null,61,95.42,81.569999999999993]
[null,null,null,null,null,null,null,null,null,null,null,null,"Sheet",{"$f":"C9&\" \"&C10& \" \"&C7&C11","v":"Life-Pay Standard FN"},null,null,62,100.03,85.31]
[null,null,null,null,null,null,null,null,null,null,null,null,"Annual",1,null,null,63,104.63,89.08]
[null,"Base Premium",{"$f":"(C15/1000)*OFFSET(INDIRECT(\"'\"&N16&\"'!A6\",TRUE),C8,E15)*VLOOKUP(C12,$M$17:$N$21,2,FALSE)","v":53.55},null,null,null,null,null,null,null,null,null,"Semi Annual",0.53,null,null,64,109.24,92.82]
[null,"Waiver Premium",{"$f":"(C15/1000)*OFFSET(INDIRECT(\"'\"&N16&\"'!A6\",TRUE),C8,9)*VLOOKUP(C12,$M$17:$N$21,2,FALSE)*IF(C13=\"N\",0,1)","v":0},null,null,null,null,null,null,null,null,null,"Quarterly",0.27,null,null,65,113.84,96.56]
[null,"Accidental Death Benefit ",{"$f":"(C14/1000)*OFFSET(INDIRECT(\"'\"&N16&\"'!A6\",TRUE),C8,4)*VLOOKUP(C12,$M$17:$N$21,2,FALSE)","v":0},null,null,null,null,null,null,null,null,null,"Monthly EFT",8.7499999999999994E-2,null,null,66,120.68,101.7]
[null,"Total",{"$f":"+SUM(C18:C20)","v":53.55},null,null,null,null,null,null,null,null,null,null,null,null,null,67,127.55,106.84]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,68,134.4,111.96]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,69,141.27000000000001,117.1]
[null,null,null,null,null,null,null,null,null,null,null,null,"Tobacco",null,null,null,70,148.12,122.24]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,71,157.76,130.4]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,72,167.41,138.56]
[null,null,null,null,null,null,null,null,null,null,null,null,"T",null,null,null,73,177.06,146.74]
[null,"The Baltimore Life Insurance Company\n10075 Red Run Boulevard  |  Owings Mills, MD 21117-4871\n(800) 628-5433  |  (410) 581-6600  |  baltlife.com",null,null,null,null,null,null,null,null,null,null,"N",null,null,null,74,186.7,154.9]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,75,196.35,163.06]
[null,null,null,"Form 9003",null,null,null,null,null,null,null,null,"20-Pay",null,null,null,76,214.07,176.4]
[null,null,null,null,null,null,null,null,null,null,null,null,"Life-Pay",null,null,null,77,231.79,189.74]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,78,249.51,203.07]
[null,null,null,null,null,null,null,null,null,null,null,null,"Special",null,null,null,79,267.23,216.41]
[null,null,null,null,null,null,null,null,null,null,null,null,"Standard",null,null,null,80,284.94,229.75]
[]
[null,null,null,null,null,null,null,null,null,null,null,null,"Y"]
[null,null,null,null,null,null,null,null,null,null,null,null,"N"]

{"sheet":"Sheet1","index":1,"n_rows":0,"n_cols":0,"rows_kept":0,"cut":false,"hidden":true,"merged":[]}

{"sheet":"Life-Pay Standard MT","index":2,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,9],[2,0,2,9],[3,1,3,3],[3,4,3,9],[1,0,1,9]]}
["Life Pay Standard",null,null,null,null,null,null,null,null,null,"Base policy premium and SPAIR rates updated for NFO"]
["Male Tobacco",null,null,null,null,null,null,null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands",null,null,"Riders"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000","ADB","GIO","DI","CIBR","SPAIR","WP"]
[0,0,0,0]
[1,0,0,0]
[2,0,0,0]
[3,0,0,0]
[4,0,0,0]
[5,0,0,0]
[6,0,0,0]
[7,0,0,0]
[8,0,0,0]
[9,0,0,0]
[10,0,0,0]
[11,0,0,0]
[12,0,0,0]
[13,0,0,0]
[14,0,0,0]
[15,0,0,0]
[16]
[17]
[18,17.68,13.59,10.6,0.85,1,7.81,1.6,23.39,0.14000000000000001]
[19,18.05,13.94,10.94,0.85,1.03,8,1.6,24.08,0.15]
[20,18.420000000000002,14.3,11.29,0.85,1.07,8.19,1.6,24.77,0.16]
[21,18.760000000000002,14.64,11.63,0.85,1.1100000000000001,8.3800000000000008,1.6,25.57,0.17]
[22,19.09,14.97,11.96,0.85,1.1499999999999999,8.57,1.6,26.36,0.18]
[23,19.43,15.31,12.3,0.85,1.19,8.77,1.6,27.16,0.2]
[24,19.760000000000002,15.64,12.63,0.85,1.23,8.9600000000000009,1.6,27.95,0.21]
[25,20.100000000000001,15.98,12.97,0.85,1.27,9.15,1.6,28.75,0.22]
[26,20.66,16.52,13.51,0.86,1.31,9.39,1.6,29.89,0.24]
[27,21.22,17.07,14.05,0.87,1.35,9.6300000000000008,1.6,31.04,0.26]
[28,21.77,17.61,14.59,0.88,1.39,9.8800000000000008,1.6,32.19,0.28999999999999998]
[29,22.33,18.16,15.13,0.89,1.43,10.119999999999999,1.6,33.340000000000003,0.31]
[30,22.89,18.7,15.67,0.9,1.47,10.36,1.6,34.479999999999997,0.34]
[31,23.53,19.329999999999998,16.29,0.91,1.51,10.75,1.6,35.65,0.36]
[32,24.17,19.96,16.920000000000002,0.92,1.55,11.14,1.6,36.81,0.4]
[33,24.81,20.58,17.54,0.93,1.59,11.53,1.6,37.97,0.43]
[34,25.45,21.21,18.170000000000002,0.94,1.63,11.92,1.6,39.130000000000003,0.47]
[35,26.09,21.84,18.79,0.95,1.67,12.31,1.6,40.29,0.51]
[36,26.55,22.39,19.43,0.97,1.71,12.86,1.6,41.35,0.56000000000000005]
[37,27.01,22.95,20.07,0.98,1.75,13.41,1.6,42.41,0.62]
[38,27.46,23.5,20.7,1,0,13.95,1.6,43.46,0.67]
[39,27.92,24.06,21.34,1.01,0,14.5,1.6,44.52,0.74]
[40,28.38,24.61,21.98,1.03,0,15.05,1.6,45.58,0.81]
[41,29.47,25.67,23.03,1.04,0,15.91,1.6,46.98,0.88]
[42,30.57,26.73,24.08,1.06,0,16.77,1.6,48.38,0.97]
[43,31.66,27.79,25.14,1.07,0,17.64,1.6,49.78,1.06]
[44,32.76,28.85,26.19,1.0900000000000001,0,18.5,1.6,51.18,1.1499999999999999]
[45,33.85,29.91,27.24,1.1000000000000001,0,19.36,1.6,52.58,1.26]
[46,34.86,30.95,28.32,1.1299999999999999,0,20.7,1.6,53.81,1.37]
[47,35.869999999999997,31.98,29.4,1.1499999999999999,0,22.04,1.6,55.05,1.5]
[48,36.869999999999997,33.020000000000003,30.49,1.18,0,23.38,1.6,56.29,1.64]
[49,37.880000000000003,34.049999999999997,31.57,1.2,0,24.72,1.6,57.53,1.79]
[50,38.89,35.090000000000003,32.65,1.23,0,26.06,1.6,58.76,1.96]
[51,40.630000000000003,36.76,34.31,1.25,0,29.27,1.6,60.34,2.13]
[52,42.37,38.44,35.979999999999997,1.28,0,32.479999999999997,1.6,61.92,2.33]
[53,44.1,40.11,37.64,1.3,0,35.68,1.6,63.49,2.5299999999999998]
[54,45.84,41.79,39.31,1.33,0,38.89,1.6,65.069999999999993,2.76]
[55,47.58,43.46,40.97,1.35,0,42.1,1.6,66.650000000000006,3.01]
[56,49.61,45.44,42.95,1.38,0,0,1.6,68.069999999999993,0]
[57,51.64,47.41,44.93,1.41,0,0,1.6,69.48,0]
[58,53.66,49.39,46.92,1.44,0,0,1.6,70.900000000000006,0]
[59,55.69,51.36,48.9,1.47,0,0,1.6,72.319999999999993,0]
[60,57.72,53.34,50.88,1.5,0,0,1.6,73.739999999999995,0]
[61,60.69,56.19,53.16,1.53,0,0,0,75.290000000000006,0]
[62,63.66,59.04,55.45,1.56,0,0,0,76.84,0]
[63,66.64,61.88,57.73,1.59,0,0,0,78.39,0]
[64,69.61,64.73,60.02,1.62,0,0,0,79.94,0]
[65,72.58,67.58,62.3,1.65,0,0,0,81.5,0]
[66,76.650000000000006,71.47,65.89,0,0,0,0,82.98,0]
[67,80.72,75.36,69.489999999999995,0,0,0,0,84.46,0]
[68,84.79,79.25,73.08,0,0,0,0,85.95,0]
[69,88.86,83.14,76.680000000000007,0,0,0,0,87.43,0]
[70,92.93,87.03,80.27,0,0,0,0,88.92,0]
[71,99.03,92.81,85.54,0,0,0,0,null,0]
[72,105.13,98.59,90.8,0,0,0,0,null,0]
[73,111.22,104.38,96.07,0,0,0,0,null,0]
[74,117.32,110.16,101.33,0,0,0,0,null,0]
[75,123.42,115.94,106.6,0,0,0,0,null,0]
[76,135.13,127.01,116.62,0,0,0,0,null,0]
[77,146.85,138.09,126.64,0,0,0,0,null,0]
[78,158.56,149.16,136.65,0,0,0,0,null,0]
[79,170.28,160.24,146.66999999999999,0,0,0,0,null,0]
[80,181.99,171.31,156.69,0,0,0,0,0,0]

{"sheet":"Life-Pay Standard MN","index":3,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,9],[2,0,2,9],[3,1,3,3],[3,4,3,9],[1,0,1,9]]}
["Life Pay Standard",null,null,null,null,null,null,null,null,null,"Base policy premium and SPAIR rates updated for NFO"]
["Male Non-Tobacco",null,null,null,null,null,null,null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands",null,null,"Riders"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000","ADB","GIO","DI","CIBR","SPAIR","WP"]
[0,10.57,7.32,4.91,0.85,0.46,0,0,10.68,0]
[1,10.66,7.41,5,0.85,0.49,0,0,11.04,0]
[2,10.75,7.5,5.09,0.85,0.52,0,0,11.41,0]
[3,10.83,7.58,5.17,0.85,0.55000000000000004,0,0,11.77,0]
[4,10.92,7.67,5.26,0.85,0.57999999999999996,0,0,12.13,0]
[5,11.01,7.76,5.35,0.85,0.61,0,0,12.5,0]
[6,11.17,7.92,5.51,0.85,0.64,0,0,12.96,0]
[7,11.34,8.09,5.67,0.85,0.67,0,0,13.43,0]
[8,11.5,8.25,5.84,0.85,0.7,0,0,13.89,0]
[9,11.67,8.42,6,0.85,0.73,0,0,14.36,0]
[10,11.83,8.58,6.16,0.85,0.76,0,0,14.82,0]
[11,12.04,8.7899999999999991,6.37,0.85,0.79,0,0,15.36,0]
[12,12.26,9,6.58,0.85,0.82,0,0,15.89,0]
[13,12.47,9.2100000000000009,6.79,0.85,0.85,0,0,16.43,0]
[14,12.69,9.42,7,0.85,0.88,0,0,16.97,0]
[15,12.9,9.6300000000000008,7.21,0.85,0.91,0,0,17.5,0]
[16,13.81,10.32,7.74,0.85,0.94,0,0,17.920000000000002,0.1]
[17,14.36,10.72,8.0399999999999991,0.85,0.97,0,0,18.34,0.1]
[18,14.6,10.85,8.09,0.85,1,7.81,1.6,18.760000000000002,0.11]
[19,15.16,11.26,8.3800000000000008,0.85,1.03,8,1.6,19.170000000000002,0.11]
[20,15.73,11.67,8.67,0.85,1.07,8.19,1.6,19.59,0.12]
[21,15.98,11.92,8.92,0.85,1.1100000000000001,8.3800000000000008,1.6,20.22,0.13]
[22,16.23,12.17,9.17,0.85,1.1499999999999999,8.57,1.6,20.86,0.13]
[23,16.489999999999998,12.43,9.43,0.85,1.19,8.77,1.6,21.49,0.14000000000000001]
[24,16.739999999999998,12.68,9.68,0.85,1.23,8.9600000000000009,1.6,22.12,0.15]
[25,16.989999999999998,12.93,9.93,0.85,1.27,9.15,1.6,22.76,0.16]
[26,17.39,13.32,10.32,0.86,1.31,9.39,1.6,23.68,0.17]
[27,17.79,13.71,10.71,0.87,1.35,9.6300000000000008,1.6,24.6,0.19]
[28,18.190000000000001,14.11,11.1,0.88,1.39,9.8800000000000008,1.6,25.52,0.2]
[29,18.59,14.5,11.49,0.89,1.43,10.119999999999999,1.6,26.44,0.21]
[30,18.989999999999998,14.89,11.88,0.9,1.47,10.36,1.6,27.37,0.23]
[31,19.440000000000001,15.34,12.32,0.91,1.51,10.75,1.6,28.32,0.25]
[32,19.89,15.78,12.77,0.92,1.55,11.14,1.6,29.28,0.27]
[33,20.350000000000001,16.23,13.21,0.93,1.59,11.53,1.6,30.24,0.28999999999999998]
[34,20.8,16.670000000000002,13.66,0.94,1.63,11.92,1.6,31.2,0.31]
[35,21.25,17.12,14.1,0.95,1.67,12.31,1.6,32.15,0.34]
[36,21.55,17.52,14.59,0.97,1.71,12.86,1.6,33.1,0.37]
[37,21.85,17.93,15.08,0.98,1.75,13.41,1.6,34.04,0.4]
[38,22.14,18.329999999999998,15.57,1,0,13.95,1.6,34.99,0.43]
[39,22.44,18.739999999999998,16.059999999999999,1.01,0,14.5,1.6,35.93,0.47]
[40,22.74,19.14,16.55,1.03,0,15.05,1.6,36.880000000000003,0.51]
[41,23.55,19.93,17.34,1.04,0,15.91,1.6,38.1,0.56000000000000005]
[42,24.36,20.72,18.13,1.06,0,16.77,1.6,39.32,0.61]
[43,25.17,21.52,18.91,1.07,0,17.64,1.6,40.53,0.66]
[44,25.98,22.31,19.7,1.0900000000000001,0,18.5,1.6,41.75,0.72]
[45,26.79,23.1,20.49,1.1000000000000001,0,19.36,1.6,42.97,0.78]
[46,27.56,23.91,21.35,1.1299999999999999,0,20.7,1.6,44.19,0.85]
[47,28.33,24.72,22.21,1.1499999999999999,0,22.04,1.6,45.4,0.92]
[48,29.09,25.54,23.06,1.18,0,23.38,1.6,46.61,1]
[49,29.86,26.35,23.92,1.2,0,24.72,1.6,47.82,1.0900000000000001]
[50,30.63,27.16,24.78,1.23,0,26.06,1.6,49.04,1.18]
[51,31.97,28.47,26.08,1.25,0,29.27,1.6,50.53,1.28]
[52,33.32,29.77,27.38,1.28,0,32.479999999999997,1.6,52.03,1.39]
[53,34.659999999999997,31.08,28.67,1.3,0,35.68,1.6,53.53,1.51]
[54,36.01,32.380000000000003,29.97,1.33,0,38.89,1.6,55.03,1.64]
[55,37.35,33.69,31.27,1.35,0,42.1,1.6,56.53,1.79]
[56,38.94,35.26,32.85,1.38,0,0,1.6,58.03,0]
[57,40.520000000000003,36.82,34.43,1.41,0,0,1.6,59.54,0]
[58,42.11,38.39,36,1.44,0,0,1.6,61.04,0]
[59,43.69,39.950000000000003,37.58,1.47,0,0,1.6,62.54,0]
[60,45.28,41.52,39.159999999999997,1.5,0,0,1.6,64.05,0]
[61,47.45,43.62,40.97,1.53,0,0,0,65.7,0]
[62,49.63,45.73,42.79,1.56,0,0,0,67.36,0]
[63,51.8,47.83,44.6,1.59,0,0,0,69.010000000000005,0]
[64,53.98,49.94,46.42,1.62,0,0,0,70.67,0]
[65,56.15,52.04,48.23,1.65,0,0,0,72.319999999999993,0]
[66,59.4,55.17,51.18,0,0,0,0,74.08,0]
[67,62.66,58.31,54.12,0,0,0,0,75.84,0]
[68,65.91,61.44,57.07,0,0,0,0,77.59,0]
[69,69.17,64.58,60.01,0,0,0,0,79.349999999999994,0]
[70,72.42,67.709999999999994,62.96,0,0,0,0,81.11,0]
[71,77.02,72.12,67.06,0,0,0,0,0,0]
[72,81.61,76.53,71.17,0,0,0,0,0,0]
[73,86.21,80.94,75.27,0,0,0,0,0,0]
[74,90.8,85.35,79.38,0,0,0,0,0,0]
[75,95.4,89.76,83.48,0,0,0,0,0,0]
[76,103.9,97.86,90.93,0,0,0,0,0,0]
[77,112.4,105.96,98.38,0,0,0,0,0,0]
[78,120.9,114.06,105.84,0,0,0,0,0,0]
[79,129.4,122.16,113.29,0,0,0,0,0,0]
[80,137.9,130.26,120.74,0,0,0,0,0,0]

{"sheet":"Life-Pay Standard FT","index":4,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,9],[2,0,2,9],[3,1,3,3],[3,4,3,9],[1,0,1,9]]}
["Life Pay Standard",null,null,null,null,null,null,null,null,null,"Base policy premium and SPAIR rates updated for NFO"]
["Female Tobacco",null,null,null,null,null,null,null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands",null,null,"Riders"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000","ADB","GIO","DI","CIBR","SPAIR","WP"]
[0,0,0,0]
[1,0,0,0]
[2,0,0,0]
[3,0,0,0]
[4,0,0,0]
[5,0,0,0]
[6,0,0,0]
[7,0,0,0]
[8,0,0,0]
[9,0,0,0]
[10,0,0,0]
[11,0,0,0]
[12,0,0,0]
[13,0,0,0]
[14,0,0,0]
[15,0,0,0]
[16]
[17]
[18,16.13,12.11,9.16,0.85,1,11.81,1.6,20.81,0.13]
[19,16.52,12.48,9.52,0.85,1.03,12.15,1.6,21.52,0.13]
[20,16.920000000000002,12.86,9.8699999999999992,0.85,1.07,12.5,1.6,22.08,0.14000000000000001]
[21,17.29,13.23,10.23,0.85,1.1100000000000001,12.85,1.6,22.88,0.15]
[22,17.66,13.59,10.6,0.85,1.1499999999999999,13.19,1.6,23.68,0.16]
[23,18.02,13.96,10.96,0.85,1.19,13.54,1.6,24.47,0.17]
[24,18.39,14.32,11.33,0.85,1.23,13.88,1.6,25.27,0.18]
[25,18.760000000000002,14.69,11.69,0.85,1.27,14.23,1.6,26.07,0.2]
[26,19.25,15.17,12.16,0.86,1.31,14.72,1.6,27.16,0.21]
[27,19.739999999999998,15.64,12.63,0.87,1.35,15.21,1.6,28.24,0.23]
[28,20.22,16.12,13.11,0.88,1.39,15.69,1.6,29.33,0.25]
[29,20.71,16.59,13.58,0.89,1.43,16.18,1.6,30.41,0.27]
[30,21.2,17.07,14.05,0.9,1.47,16.670000000000002,1.6,31.5,0.28999999999999998]
[31,21.79,17.649999999999999,14.62,0.91,1.51,17.32,1.6,32.619999999999997,0.31]
[32,22.38,18.23,15.2,0.92,1.55,17.97,1.6,33.74,0.34]
[33,22.97,18.8,15.77,0.93,1.59,18.61,1.6,34.85,0.37]
[34,23.56,19.38,16.350000000000001,0.94,1.63,19.260000000000002,1.6,35.97,0.4]
[35,24.15,19.96,16.920000000000002,0.95,1.67,19.91,1.6,37.090000000000003,0.44]
[36,24.55,20.46,17.510000000000002,0.97,1.71,20.47,1.6,38.130000000000003,0.47]
[37,24.96,20.96,18.100000000000001,0.98,1.75,21.03,1.6,39.17,0.52]
[38,25.36,21.47,18.68,1,0,21.59,1.6,40.200000000000003,0.56000000000000005]
[39,25.77,21.97,19.27,1.01,0,22.15,1.6,41.24,0.62]
[40,26.17,22.47,19.86,1.03,0,22.71,1.6,42.28,0.67]
[41,27.18,23.45,20.83,1.04,0,23.49,1.6,43.65,0.73]
[42,28.19,24.43,21.81,1.06,0,24.27,1.6,45.02,0.79]
[43,29.21,25.42,22.78,1.07,0,25.06,1.6,46.39,0.86]
[44,30.22,26.4,23.76,1.0900000000000001,0,25.84,1.6,47.76,0.94]
[45,31.23,27.38,24.73,1.1000000000000001,0,26.62,1.6,49.13,1.02]
[46,32.11,28.29,25.69,1.1299999999999999,0,27.91,1.6,50.37,1.1000000000000001]
[47,32.99,29.2,26.65,1.1499999999999999,0,29.2,1.6,51.61,1.2]
[48,33.86,30.12,27.61,1.18,0,30.5,1.6,52.85,1.31]
[49,34.74,31.03,28.57,1.2,0,31.79,1.6,54.09,1.42]
[50,35.619999999999997,31.94,29.53,1.23,0,33.08,1.6,55.33,1.54]
[51,36.94,33.22,30.8,1.25,0,36.15,1.6,56.79,1.67]
[52,38.270000000000003,34.5,32.07,1.28,0,39.22,1.6,58.26,1.82]
[53,39.590000000000003,35.78,33.35,1.3,0,42.3,1.6,59.72,1.97]
[54,40.92,37.06,34.619999999999997,1.33,0,45.37,1.6,61.19,2.13]
[55,42.24,38.340000000000003,35.89,1.35,0,48.44,1.6,62.65,2.3199999999999998]
[56,43.65,39.729999999999997,37.299999999999997,1.38,0,0,1.6,63.96,0]
[57,45.06,41.13,38.700000000000003,1.41,0,0,1.6,65.260000000000005,0]
[58,46.48,42.52,40.11,1.44,0,0,1.6,66.569999999999993,0]
[59,47.89,43.92,41.51,1.47,0,0,1.6,67.87,0]
[60,49.3,45.31,42.92,1.5,0,0,1.6,69.180000000000007,0]
[61,51.33,47.27,44.51,1.53,0,0,0,70.64,0]
[62,53.36,49.22,46.1,1.56,0,0,0,72.09,0]
[63,55.38,51.18,47.68,1.59,0,0,0,73.55,0]
[64,57.41,53.13,49.27,1.62,0,0,0,75,0]
[65,59.44,55.09,50.86,1.65,0,0,0,76.459999999999994,0]
[66,62.01,57.57,53.2,0,0,0,0,77.86,0]
[67,64.569999999999993,60.05,55.54,0,0,0,0,79.260000000000005,0]
[68,67.14,62.52,57.87,0,0,0,0,80.66,0]
[69,69.7,65,60.21,0,0,0,0,82.06,0]
[70,72.27,67.48,62.55,0,0,0,0,83.46,0]
[71,76.150000000000006,71.2,66.02,0,0,0,0,null,0]
[72,80.02,74.92,69.48,0,0,0,0,null,0]
[73,83.9,78.63,72.95,0,0,0,0,null,0]
[74,87.77,82.35,76.41,0,0,0,0,null,0]
[75,91.65,86.07,79.88,0,0,0,0,null,0]
[76,99.09,93.15,86.37,0,0,0,0,null,0]
[77,106.52,100.22,92.86,0,0,0,0,null,0]
[78,113.96,107.3,99.36,0,0,0,0,null,0]
[79,121.39,114.37,105.85,0,0,0,0,null,0]
[80,128.83000000000001,121.45,112.34,0,0,0,0,0,0]

{"sheet":"Life-Pay Standard FN","index":5,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,9],[2,0,2,9],[3,1,3,3],[3,4,3,9],[1,0,1,9]]}
["Life Pay Standard",null,null,null,null,null,null,null,null,null,"Base policy premium and SPAIR rates updated for NFO"]
["Female Non-Tobacco",null,null,null,null,null,null,null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands",null,null,"Riders"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000","ADB","GIO","DI","CIBR","SPAIR","WP"]
[0,9.92,6.68,4.2699999999999996,0.85,0.46,0,0,9.14,0]
[1,10.02,6.78,4.37,0.85,0.49,0,0,9.4600000000000009,0]
[2,10.11,6.88,4.47,0.85,0.52,0,0,9.7799999999999994,0]
[3,10.210000000000001,6.97,4.5599999999999996,0.85,0.55000000000000004,0,0,10.11,0]
[4,10.3,7.07,4.66,0.85,0.57999999999999996,0,0,10.43,0]
[5,10.4,7.17,4.76,0.85,0.61,0,0,10.75,0]
[6,10.54,7.31,4.9000000000000004,0.85,0.64,0,0,11.15,0]
[7,10.68,7.45,5.04,0.85,0.67,0,0,11.54,0]
[8,10.82,7.58,5.17,0.85,0.7,0,0,11.94,0]
[9,10.96,7.72,5.31,0.85,0.73,0,0,12.34,0]
[10,11.1,7.86,5.45,0.85,0.76,0,0,12.73,0]
[11,11.27,8.0299999999999994,5.62,0.85,0.79,0,0,13.19,0]
[12,11.44,8.1999999999999993,5.79,0.85,0.82,0,0,13.66,0]
[13,11.61,8.36,5.95,0.85,0.85,0,0,14.12,0]
[14,11.78,8.5299999999999994,6.12,0.85,0.88,0,0,14.58,0]
[15,11.95,8.6999999999999993,6.29,0.85,0.91,0,0,15.04,0]
[16,12.76,9.3000000000000007,6.74,0.85,0.94,0,0,15.46,0.1]
[17,13.28,9.68,7.01,0.85,0.97,0,0,15.87,0.1]
[18,13.54,9.83,7.06,0.85,1,11.81,1.6,16.29,0.1]
[19,14.07,10.199999999999999,7.32,0.85,1.03,12.15,1.6,16.71,0.11]
[20,14.6,10.58,7.58,0.85,1.07,12.5,1.6,17.13,0.11]
[21,14.86,10.83,7.83,0.85,1.1100000000000001,12.85,1.6,17.75,0.12]
[22,15.11,11.08,8.09,0.85,1.1499999999999999,13.19,1.6,18.37,0.13]
[23,15.37,11.34,8.34,0.85,1.19,13.54,1.6,18.98,0.14000000000000001]
[24,15.62,11.59,8.6,0.85,1.23,13.88,1.6,19.600000000000001,0.14000000000000001]
[25,15.88,11.84,8.85,0.85,1.27,14.23,1.6,20.22,0.15]
[26,16.23,12.18,9.19,0.86,1.31,14.72,1.6,21.06,0.16]
[27,16.579999999999998,12.52,9.5299999999999994,0.87,1.35,15.21,1.6,21.9,0.18]
[28,16.920000000000002,12.87,9.86,0.88,1.39,15.69,1.6,22.74,0.19]
[29,17.27,13.21,10.199999999999999,0.89,1.43,16.18,1.6,23.58,0.2]
[30,17.62,13.55,10.54,0.9,1.47,16.670000000000002,1.6,24.42,0.22]
[31,18.05,13.97,10.96,0.91,1.51,17.32,1.6,25.3,0.23]
[32,18.47,14.39,11.38,0.92,1.55,17.97,1.6,26.18,0.25]
[33,18.899999999999999,14.81,11.79,0.93,1.59,18.61,1.6,27.06,0.27]
[34,19.32,15.23,12.21,0.94,1.63,19.260000000000002,1.6,27.94,0.28999999999999998]
[35,19.75,15.65,12.63,0.95,1.67,19.91,1.6,28.82,0.31]
[36,20.010000000000002,16.02,13.09,0.97,1.71,20.47,1.6,29.74,0.34]
[37,20.28,16.39,13.55,0.98,1.75,21.03,1.6,30.65,0.37]
[38,20.54,16.760000000000002,14,1,0,21.59,1.6,31.57,0.4]
[39,20.81,17.13,14.46,1.01,0,22.15,1.6,32.479999999999997,0.43]
[40,21.07,17.5,14.92,1.03,0,22.71,1.6,33.4,0.47]
[41,21.81,18.22,15.64,1.04,0,23.49,1.6,34.549999999999997,0.51]
[42,22.54,18.940000000000001,16.350000000000001,1.06,0,24.27,1.6,35.700000000000003,0.55000000000000004]
[43,23.28,19.670000000000002,17.07,1.07,0,25.06,1.6,36.86,0.59]
[44,24.01,20.39,17.78,1.0900000000000001,0,25.84,1.6,38.01,0.64]
[45,24.75,21.11,18.5,1.1000000000000001,0,26.62,1.6,39.159999999999997,0.7]
[46,25.38,21.78,19.22,1.1299999999999999,0,27.91,1.6,40.340000000000003,0.75]
[47,26,22.46,19.940000000000001,1.1499999999999999,0,29.2,1.6,41.51,0.82]
[48,26.63,23.13,20.67,1.18,0,30.5,1.6,42.69,0.89]
[49,27.25,23.81,21.39,1.2,0,31.79,1.6,43.87,0.96]
[50,27.88,24.48,22.11,1.23,0,33.08,1.6,45.04,1.05]
[51,28.9,25.48,23.11,1.25,0,36.15,1.6,46.42,1.1299999999999999]
[52,29.92,26.48,24.1,1.28,0,39.22,1.6,47.8,1.23]
[53,30.95,27.48,25.1,1.3,0,42.3,1.6,49.17,1.33]
[54,31.97,28.48,26.09,1.33,0,45.37,1.6,50.55,1.44]
[55,32.99,29.48,27.09,1.35,0,48.44,1.6,51.92,1.56]
[56,34.21,30.7,28.32,1.38,0,0,1.6,53.34,0]
[57,35.44,31.92,29.56,1.41,0,0,1.6,54.75,0]
[58,36.659999999999997,33.14,30.79,1.44,0,0,1.6,56.17,0]
[59,37.89,34.36,32.03,1.47,0,0,1.6,57.59,0]
[60,39.11,35.58,33.26,1.5,0,0,1.6,59,0]
[61,40.869999999999997,37.29,34.78,1.53,0,0,0,60.61,0]
[62,42.64,39,36.29,1.56,0,0,0,62.21,0]
[63,44.4,40.72,37.81,1.59,0,0,0,63.82,0]
[64,46.17,42.43,39.32,1.62,0,0,0,65.430000000000007,0]
[65,47.93,44.14,40.840000000000003,1.65,0,0,0,67.040000000000006,0]
[66,50.36,46.49,43.07,0,0,0,0,68.75,0]
[67,52.78,48.84,45.29,0,0,0,0,70.459999999999994,0]
[68,55.21,51.18,47.52,0,0,0,0,72.17,0]
[69,57.63,53.53,49.74,0,0,0,0,73.88,0]
[70,60.06,55.88,51.97,0,0,0,0,75.59,0]
[71,63.94,59.61,55.48,0,0,0,0,null,0]
[72,67.81,63.34,58.98,0,0,0,0,null,0]
[73,71.69,67.08,62.49,0,0,0,0,null,0]
[74,75.56,70.81,65.989999999999995,0,0,0,0,null,0]
[75,79.44,74.540000000000006,69.5,0,0,0,0,null,0]
[76,85.8,80.64,75.17,0,0,0,0,null,0]
[77,92.17,86.74,80.84,0,0,0,0,null,0]
[78,98.53,92.83,86.52,0,0,0,0,null,0]
[79,104.9,98.93,92.19,0,0,0,0,null,0]
[80,111.26,105.03,97.86,0,0,0,0,0,0]

{"sheet":"Life-Pay Special MT","index":6,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,4],[1,0,1,4],[3,1,3,3]]}
["Life Pay Special",null,null,null,null,null,null,null,null,null,"Base policy premium rates updated for NFO"]
["Male Tobacco",null,null,null,null,null,null,null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands",null,null,"Riders"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000","CIBR"]
[0,0,0,0,0]
[1,0,0,0,0]
[2,0,0,0,0]
[3,0,0,0,0]
[4,0,0,0,0]
[5,0,0,0,0]
[6,0,0,0,0]
[7,0,0,0,0]
[8,0,0,0,0]
[9,0,0,0,0]
[10,0,0,0,0]
[11,0,0,0,0]
[12,0,0,0,0]
[13,0,0,0,0]
[14,0,0,0,0]
[15,0,0,0,0]
[16,0,0,0,0]
[17,0,0,0,0]
[18,21.17,16.920000000000002,13.89,1.6]
[19,21.62,17.350000000000001,14.32,1.6]
[20,22.07,17.79,14.75,1.6]
[21,22.44,18.16,15.12,1.6]
[22,22.81,18.53,15.49,1.6]
[23,23.19,18.91,15.86,1.6]
[24,23.56,19.28,16.23,1.6]
[25,23.93,19.649999999999999,16.600000000000001,1.6]
[26,24.73,20.43,17.37,1.6]
[27,25.53,21.21,18.14,1.6]
[28,26.34,21.98,18.920000000000002,1.6]
[29,27.14,22.76,19.690000000000001,1.6]
[30,27.94,23.54,20.46,1.6]
[31,28.94,24.51,21.42,1.6]
[32,29.94,25.48,22.39,1.6]
[33,30.94,26.45,23.35,1.6]
[34,31.94,27.42,24.32,1.6]
[35,32.94,28.39,25.28,1.6]
[36,33.94,29.47,26.44,1.6]
[37,34.94,30.54,27.6,1.6]
[38,35.93,31.62,28.75,1.6]
[39,36.93,32.69,29.91,1.6]
[40,37.93,33.770000000000003,31.07,1.6]
[41,39.86,35.64,32.92,1.6]
[42,41.8,37.5,34.770000000000003,1.6]
[43,43.73,39.369999999999997,36.619999999999997,1.6]
[44,45.67,41.23,38.47,1.6]
[45,47.6,43.1,40.32,1.6]
[46,49.62,45.12,42.38,1.6]
[47,51.64,47.14,44.44,1.6]
[48,53.65,49.15,46.5,1.6]
[49,55.67,51.17,48.56,1.6]
[50,57.69,53.19,50.62,1.6]
[51,61.23,56.6,54,1.6]
[52,64.77,60.01,57.39,1.6]
[53,68.3,63.42,60.77,1.6]
[54,71.84,66.83,64.16,1.6]
[55,75.38,70.239999999999995,67.540000000000006,1.6]
[56,80,74.73,72.03,1.6]
[57,84.62,79.22,76.510000000000005,1.6]
[58,89.25,83.7,81,1.6]
[59,93.87,88.19,85.48,1.6]
[60,98.49,92.68,89.97,1.6]
[61,105.73,99.65,95.72,0]
[62,112.97,106.62,101.47,0]
[63,120.21,113.59,107.22,0]
[64,127.45,120.56,112.97,0]
[65,134.69,127.53,118.72,0]
[66,145.68,138.06,128.51,0]
[67,156.66,148.59,138.29,0]
[68,167.65,159.13,148.08000000000001,0]
[69,178.63,169.66,157.86000000000001,0]
[70,189.62,180.19,167.65,0]
[71,209.17,198.62,184.22,0]
[72,228.71,217.05,200.8,0]
[73,248.26,235.47,217.37,0]
[74,267.8,253.9,233.95,0]
[75,287.35000000000002,272.33,250.52,0]
[76,325.52999999999997,307.99,282.05,0]
[77,363.71,343.65,313.58,0]
[78,401.88,379.32,345.11,0]
[79,440.06,414.98,376.64,0]
[80,478.24,450.64,408.17,0]

{"sheet":"Life-Pay Special MN","index":7,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,4],[1,0,1,4],[3,1,3,3]]}
["Life Pay Special",null,null,null,null,null,null,null,null,null,"Base policy premium rates updated for NFO"]
["Male Non-Tobacco",null,null,null,null,null,"change to guide required here",null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands",null,null,"Riders"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000","CIBR"]
[0,0,0,0,0]
[1,0,0,0,0]
[2,0,0,0,0]
[3,0,0,0,0]
[4,0,0,0,0]
[5,0,0,0,0]
[6,0,0,0,0]
[7,0,0,0,0]
[8,0,0,0,0]
[9,0,0,0,0]
[10,0,0,0,0]
[11,0,0,0,0]
[12,0,0,0,0]
[13,0,0,0,0]
[14,0,0,0,0]
[15,0,0,0,0]
[16,0,0,0,0]
[17,0,0,0,0]
[18,17.07,13.12,10.23,1.6]
[19,17.52,13.45,10.52,1.6]
[20,18.03,13.87,10.86,1.6]
[21,18.260000000000002,14.1,11.09,1.6]
[22,18.489999999999998,14.33,11.32,1.6]
[23,18.71,14.57,11.56,1.6]
[24,18.940000000000001,14.8,11.79,1.6]
[25,19.170000000000002,15.03,12.02,1.6]
[26,19.690000000000001,15.54,12.52,1.6]
[27,20.21,16.05,13.03,1.6]
[28,20.74,16.559999999999999,13.53,1.6]
[29,21.26,17.07,14.04,1.6]
[30,21.78,17.579999999999998,14.54,1.6]
[31,22.41,18.2,15.16,1.6]
[32,23.05,18.82,15.77,1.6]
[33,23.68,19.440000000000001,16.39,1.6]
[34,24.32,20.059999999999999,17,1.6]
[35,24.95,20.68,17.62,1.6]
[36,25.52,21.35,18.37,1.6]
[37,26.1,22.02,19.13,1.6]
[38,26.67,22.68,19.88,1.6]
[39,27.25,23.35,20.64,1.6]
[40,27.82,24.02,21.39,1.6]
[41,29.05,25.22,22.58,1.6]
[42,30.28,26.41,23.77,1.6]
[43,31.52,27.61,24.95,1.6]
[44,32.75,28.8,26.14,1.6]
[45,33.979999999999997,30,27.33,1.6]
[46,35.29,31.33,28.71,1.6]
[47,36.6,32.67,30.09,1.6]
[48,37.9,34,31.46,1.6]
[49,39.21,35.340000000000003,32.840000000000003,1.6]
[50,40.520000000000003,36.67,34.22,1.6]
[51,42.75,38.83,36.369999999999997,1.6]
[52,44.98,40.99,38.520000000000003,1.6]
[53,47.21,43.16,40.659999999999997,1.6]
[54,49.44,45.32,42.81,1.6]
[55,51.67,47.48,44.96,1.6]
[56,54.49,50.24,47.73,1.6]
[57,57.31,53,50.49,1.6]
[58,60.14,55.77,53.26,1.6]
[59,62.96,58.53,56.02,1.6]
[60,65.78,61.29,58.79,1.6]
[61,69.86,65.239999999999995,62.16,0]
[62,73.94,69.2,65.53,0]
[63,78.03,73.150000000000006,68.89,0]
[64,82.11,77.11,72.260000000000005,0]
[65,86.19,81.06,75.63,0]
[66,93.03,87.66,81.849999999999994,0]
[67,99.87,94.27,88.07,0]
[68,106.72,100.87,94.3,0]
[69,113.56,107.48,100.52,0]
[70,120.4,114.08,106.74,0]
[71,131.96,125.17,117.06,0]
[72,143.53,136.26,127.37,0]
[73,155.09,147.36000000000001,137.69,0]
[74,166.66,158.44999999999999,148,0]
[75,178.22,169.54,158.32,0]
[76,201.82,192.04,179,0]
[77,225.43,214.54,199.68,0]
[78,249.03,237.04,220.36,0]
[79,272.64,259.54000000000002,241.04,0]
[80,296.24,282.04000000000002,261.72000000000003,0]

{"sheet":"Life-Pay Special FT","index":8,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,4],[1,0,1,4],[3,1,3,3]]}
["Life Pay Special",null,null,null,null,null,null,null,null,null,"Base policy premium rates updated for NFO"]
["Female Tobacco",null,null,null,null,null,null,null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands",null,null,"Riders"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000","CIBR"]
[0,0,0,0,0]
[1,0,0,0,0]
[2,0,0,0,0]
[3,0,0,0,0]
[4,0,0,0,0]
[5,0,0,0,0]
[6,0,0,0,0]
[7,0,0,0,0]
[8,0,0,0,0]
[9,0,0,0,0]
[10,0,0,0,0]
[11,0,0,0,0]
[12,0,0,0,0]
[13,0,0,0,0]
[14,0,0,0,0]
[15,0,0,0,0]
[16,0,0,0,0]
[17,0,0,0,0]
[18,17.96,13.87,10.9,1.6]
[19,18.440000000000001,14.32,11.34,1.6]
[20,18.91,14.78,11.77,1.6]
[21,19.399999999999999,15.26,12.25,1.6]
[22,19.89,15.74,12.72,1.6]
[23,20.37,16.21,13.2,1.6]
[24,20.86,16.690000000000001,13.67,1.6]
[25,21.35,17.170000000000002,14.15,1.6]
[26,22.04,17.84,14.81,1.6]
[27,22.73,18.510000000000002,15.47,1.6]
[28,23.41,19.170000000000002,16.14,1.6]
[29,24.1,19.84,16.8,1.6]
[30,24.79,20.51,17.46,1.6]
[31,25.7,21.4,18.34,1.6]
[32,26.61,22.28,19.22,1.6]
[33,27.52,23.17,20.09,1.6]
[34,28.43,24.05,20.97,1.6]
[35,29.34,24.94,21.85,1.6]
[36,30.2,25.88,22.88,1.6]
[37,31.06,26.83,23.91,1.6]
[38,31.93,27.77,24.93,1.6]
[39,32.79,28.72,25.96,1.6]
[40,33.65,29.66,26.99,1.6]
[41,35.44,31.38,28.7,1.6]
[42,37.229999999999997,33.1,30.41,1.6]
[43,39.01,34.83,32.11,1.6]
[44,40.799999999999997,36.549999999999997,33.82,1.6]
[45,42.59,38.270000000000003,35.53,1.6]
[46,44.37,40.06,37.36,1.6]
[47,46.16,41.85,39.19,1.6]
[48,47.94,43.64,41.03,1.6]
[49,49.73,45.43,42.86,1.6]
[50,51.51,47.22,44.69,1.6]
[51,54.12,49.75,47.2,1.6]
[52,56.74,52.27,49.71,1.6]
[53,59.35,54.8,52.22,1.6]
[54,61.97,57.32,54.73,1.6]
[55,64.58,59.85,57.24,1.6]
[56,67.63,62.84,60.24,1.6]
[57,70.680000000000007,65.83,63.23,1.6]
[58,73.739999999999995,68.819999999999993,66.23,1.6]
[59,76.790000000000006,71.81,69.22,1.6]
[60,79.84,74.8,72.22,1.6]
[61,84.38,79.2,75.849999999999994,0]
[62,88.91,83.6,79.48,0]
[63,93.45,88,83.1,0]
[64,97.98,92.4,86.73,0]
[65,102.52,96.8,90.36,0]
[66,108.62,102.73,96,0]
[67,114.73,108.65,101.64,0]
[68,120.83,114.58,107.27,0]
[69,126.94,120.5,112.91,0]
[70,133.04,126.43,118.55,0]
[71,143.84,136.83000000000001,128.29,0]
[72,154.63999999999999,147.22999999999999,138.03,0]
[73,165.43,157.62,147.77000000000001,0]
[74,176.23,168.02,157.51,0]
[75,187.03,178.42,167.25,0]
[76,211.01,201.24,188.14,0]
[77,234.99,224.06,209.03,0]
[78,258.97000000000003,246.87,229.91,0]
[79,282.95,269.69,250.8,0]
[80,306.93,292.51,271.69,0]

{"sheet":"Life-Pay Special FN","index":9,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,4],[1,0,1,4],[3,1,3,3]]}
["Life Pay Special",null,null,null,null,null,null,null,null,null,"Base policy premium rates updated for NFO"]
["Female Non-Tobacco",null,null,null,null,null,"change to guide required here",null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands",null,null,"Riders"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000","CIBR"]
[0,0,0,0,0]
[1,0,0,0,0]
[2,0,0,0,0]
[3,0,0,0,0]
[4,0,0,0,0]
[5,0,0,0,0]
[6,0,0,0,0]
[7,0,0,0,0]
[8,0,0,0,0]
[9,0,0,0,0]
[10,0,0,0,0]
[11,0,0,0,0]
[12,0,0,0,0]
[13,0,0,0,0]
[14,0,0,0,0]
[15,0,0,0,0]
[16,0,0,0,0]
[17,0,0,0,0]
[18,14.59,11.17,8.2899999999999991,1.6]
[19,15.28,11.53,8.59,1.6]
[20,15.9,11.83,8.83,1.6]
[21,16.21,12.13,9.1300000000000008,1.6]
[22,16.52,12.44,9.44,1.6]
[23,16.829999999999998,12.74,9.74,1.6]
[24,17.14,13.05,10.050000000000001,1.6]
[25,17.45,13.35,10.35,1.6]
[26,17.899999999999999,13.79,10.79,1.6]
[27,18.350000000000001,14.23,11.22,1.6]
[28,18.8,14.67,11.66,1.6]
[29,19.25,15.11,12.09,1.6]
[30,19.7,15.55,12.53,1.6]
[31,20.28,16.12,13.09,1.6]
[32,20.86,16.690000000000001,13.66,1.6]
[33,21.44,17.25,14.22,1.6]
[34,22.02,17.82,14.79,1.6]
[35,22.6,18.39,15.35,1.6]
[36,23.09,18.98,16.02,1.6]
[37,23.58,19.57,16.7,1.6]
[38,24.08,20.16,17.37,1.6]
[39,24.57,20.75,18.05,1.6]
[40,25.06,21.34,18.72,1.6]
[41,26.17,22.41,19.79,1.6]
[42,27.28,23.49,20.86,1.6]
[43,28.38,24.56,21.92,1.6]
[44,29.49,25.64,22.99,1.6]
[45,30.6,26.71,24.06,1.6]
[46,31.66,27.8,25.2,1.6]
[47,32.72,28.89,26.34,1.6]
[48,33.770000000000003,29.99,27.47,1.6]
[49,34.83,31.08,28.61,1.6]
[50,35.89,32.17,29.75,1.6]
[51,37.49,33.729999999999997,31.3,1.6]
[52,39.1,35.29,32.85,1.6]
[53,40.700000000000003,36.85,34.4,1.6]
[54,42.31,38.409999999999997,35.950000000000003,1.6]
[55,43.91,39.97,37.5,1.6]
[56,45.98,42.01,39.549999999999997,1.6]
[57,48.05,44.05,41.6,1.6]
[58,50.11,46.08,43.64,1.6]
[59,52.18,48.12,45.69,1.6]
[60,54.25,50.16,47.74,1.6]
[61,57.35,53.16,50.32,0]
[62,60.44,56.16,52.91,0]
[63,63.54,59.17,55.49,0]
[64,66.63,62.17,58.08,0]
[65,69.73,65.17,60.66,0]
[66,74.37,69.67,64.92,0]
[67,79.010000000000005,74.16,69.180000000000007,0]
[68,83.65,78.66,73.45,0]
[69,88.29,83.15,77.709999999999994,0]
[70,92.93,87.65,81.97,0]
[71,101.42,95.83,89.65,0]
[72,109.92,104.02,97.33,0]
[73,118.41,112.2,105.02,0]
[74,126.91,120.39,112.7,0]
[75,135.4,128.57,120.38,0]
[76,151.80000000000001,144.25,134.86000000000001,0]
[77,168.21,159.93,149.34,0]
[78,184.61,175.6,163.82,0]
[79,201.02,191.28,178.3,0]
[80,217.42,206.96,192.78,0]

{"sheet":"20-Pay Standard MT","index":10,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,9],[2,0,2,9],[3,1,3,3],[3,4,3,9],[1,0,1,9]]}
["20-Pay Standard",null,null,null,null,null,null,null,null,null,"Base policy premium and SPAIR rates updated for NFO"]
["Male Tobacco",null,null,null,null,null,null,null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands",null,null,"Riders"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000","ADB","GIO","DI","CIBR","SPAIR","WP"]
[0,0,0,0]
[1,0,0,0]
[2,0,0,0]
[3,0,0,0]
[4,0,0,0]
[5,0,0,0]
[6,0,0,0]
[7,0,0,0]
[8,0,0,0]
[9,0,0,0]
[10,0,0,0]
[11,0,0,0]
[12,0,0,0]
[13,0,0,0]
[14,0,0,0]
[15,0,0,0]
[16]
[17]
[18,26.53,22.03,18.73,1.0900000000000001,1.01,0,0,23.39,0.25]
[19,27.11,22.59,19.29,1.0900000000000001,1.04,0,0,24.08,0.27]
[20,27.68,23.15,19.84,1.0900000000000001,1.07,0,0,24.77,0.3]
[21,28.18,23.65,20.34,1.0900000000000001,1.1100000000000001,0,0,25.57,0.3]
[22,28.68,24.15,20.84,1.0900000000000001,1.1499999999999999,0,0,26.36,0.32]
[23,29.17,24.65,21.34,1.0900000000000001,1.19,0,0,27.16,0.37]
[24,29.67,25.15,21.84,1.0900000000000001,1.23,0,0,27.95,0.39]
[25,30.17,25.65,22.34,1.0900000000000001,1.27,0,0,28.75,0.39]
[26,30.92,26.39,23.08,1.0900000000000001,1.31,0,0,29.89,0.44]
[27,31.67,27.13,23.81,1.0900000000000001,1.35,0,0,31.04,0.46]
[28,32.43,27.87,24.55,1.1000000000000001,1.39,0,0,32.19,0.53]
[29,33.18,28.61,25.28,1.1000000000000001,1.43,0,0,33.340000000000003,0.57999999999999996]
[30,33.93,29.35,26.02,1.1100000000000001,1.47,0,0,34.479999999999997,0.62]
[31,34.729999999999997,30.14,26.81,1.1200000000000001,1.51,0,0,35.65,0.64]
[32,35.520000000000003,30.92,27.59,1.1299999999999999,1.55,0,0,36.81,0.68]
[33,36.32,31.71,28.38,1.1299999999999999,1.59,0,0,37.97,0.71]
[34,37.11,32.49,29.16,1.1399999999999999,1.63,0,0,39.130000000000003,0.76]
[35,37.909999999999997,33.28,29.95,1.1499999999999999,1.67,0,0,40.29,0.8]
[36,38.35,33.82,30.58,1.1599999999999999,1.71,0,0,41.35,0.85]
[37,38.78,34.369999999999997,31.22,1.17,1.75,0,0,42.41,0.92]
[38,39.22,34.909999999999997,31.85,1.18,0,0,0,43.46,0.97]
[39,39.65,35.46,32.49,1.18,0,0,0,44.52,1.04]
[40,40.090000000000003,36,33.119999999999997,1.19,0,0,0,45.58,1.1100000000000001]
[41,41.21,37.1,34.21,1.19,0,0,0,46.98,1.2]
[42,42.33,38.19,35.299999999999997,1.2,0,0,0,48.38,1.31]
[43,43.46,39.29,36.4,1.2,0,0,0,49.78,1.47]
[44,44.58,40.380000000000003,37.49,1.21,0,0,0,51.18,1.59]
[45,45.7,41.48,38.58,1.21,0,0,0,52.58,1.73]
[46,46.52,42.36,39.51,1.22,0,0,0,53.81,1.89]
[47,47.35,43.23,40.44,1.22,0,0,0,55.05,2.0699999999999998]
[48,48.17,44.11,41.38,1.23,0,0,0,56.29,2.27]
[49,49,44.98,42.31,1.23,0,0,0,57.53,2.4900000000000002]
[50,49.82,45.86,43.24,1.23,0,0,0,58.76,2.74]
[51,51.37,47.37,44.74,1.25,0,0,0,60.34,2.9]
[52,52.93,48.87,46.24,1.28,0,0,0,61.92,3.19]
[53,54.48,50.38,47.74,1.3,0,0,0,63.49,3.39]
[54,56.04,51.88,49.24,1.33,0,0,0,65.069999999999993,3.63]
[55,57.59,53.39,50.74,1.35,0,0,0,66.650000000000006,3.88]
[56,59.28,55.04,52.41,1.38,0,0,0,68.069999999999993,0]
[57,60.96,56.69,54.08,1.41,0,0,0,69.48,0]
[58,62.65,58.34,55.74,1.44,0,0,0,70.900000000000006,0]
[59,64.33,59.99,57.41,1.47,0,0,0,72.319999999999993,0]
[60,66.02,61.64,59.08,1.5,0,0,0,73.739999999999995,0]
[61,68.55,64.06,61.01,1.53,0,0,0,75.290000000000006,0]
[62,71.09,66.489999999999995,62.94,1.56,0,0,0,76.84,0]
[63,73.62,68.91,64.88,1.59,0,0,0,78.39,0]
[64,76.16,71.34,66.81,1.62,0,0,0,79.94,0]
[65,78.69,73.760000000000005,68.739999999999995,1.65,0,0,0,81.5,0]
[66,82.26,77.150000000000006,71.84,0,0,0,0,82.98,0]
[67,85.83,80.540000000000006,74.94,0,0,0,0,84.46,0]
[68,89.39,83.94,78.03,0,0,0,0,85.95,0]
[69,92.96,87.33,81.13,0,0,0,0,87.43,0]
[70,96.53,90.72,84.23,0,0,0,0,88.92,0]
[71,102.23,96.11,89.08,0,0,0,0,null,0]
[72,107.94,101.49,93.94,0,0,0,0,null,0]
[73,113.64,106.88,98.79,0,0,0,0,null,0]
[74,119.35,112.26,103.65,0,0,0,0,null,0]
[75,125.05,117.65,108.5,0,0,0,0,null,0]
[76,136.44,128.38,118.14,0,0,0,0,null,0]
[77,147.83000000000001,139.11000000000001,127.78,0,0,0,0,null,0]
[78,159.22,149.85,137.41,0,0,0,0,null,0]
[79,170.61,160.58000000000001,147.05000000000001,0,0,0,0,null,0]
[80,182,171.31,156.69,0,0,0,0,0,0]

{"sheet":"20-Pay Standard MN","index":11,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,9],[2,0,2,9],[3,1,3,3],[3,4,3,9],[1,0,1,9]]}
["20-Pay Standard",null,null,null,null,null,null,null,null,null,"Base policy premium and SPAIR rates updated for NFO"]
["Male Non-Tobacco",null,null,null,null,null,null,null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands",null,null,"Riders"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000","ADB","GIO","DI","CIBR","SPAIR","WP"]
[0,14.24,10.92,8.4499999999999993,1.0900000000000001,0.59,0,0,10.68,0]
[1,14.44,11.12,8.65,1.0900000000000001,0.62,0,0,11.04,0]
[2,14.64,11.32,8.85,1.0900000000000001,0.64,0,0,11.41,0]
[3,14.84,11.52,9.0500000000000007,1.0900000000000001,0.66,0,0,11.77,0]
[4,15.04,11.72,9.25,1.0900000000000001,0.69,0,0,12.13,0]
[5,15.24,11.92,9.4499999999999993,1.0900000000000001,0.71,0,0,12.5,0]
[6,15.53,12.21,9.74,1.0900000000000001,0.73,0,0,12.96,0]
[7,15.82,12.49,10.02,1.0900000000000001,0.76,0,0,13.43,0]
[8,16.100000000000001,12.78,10.31,1.0900000000000001,0.78,0,0,13.89,0]
[9,16.39,13.06,10.59,1.0900000000000001,0.8,0,0,14.36,0]
[10,16.68,13.35,10.88,1.0900000000000001,0.83,0,0,14.82,0]
[11,17.02,13.69,11.22,1.0900000000000001,0.85,0,0,15.36,0]
[12,17.37,14.03,11.56,1.0900000000000001,0.87,0,0,15.89,0]
[13,17.71,14.37,11.9,1.0900000000000001,0.9,0,0,16.43,0]
[14,18.059999999999999,14.71,12.24,1.0900000000000001,0.92,0,0,16.97,0]
[15,18.399999999999999,15.05,12.58,1.0900000000000001,0.94,0,0,17.5,0]
[16,20.059999999999999,16.39,13.69,1.0900000000000001,0.97,0,0,17.920000000000002,0.19]
[17,21.07,17.2,14.35,1.0900000000000001,0.99,0,0,18.34,0.2]
[18,21.59,17.57,14.6,1.0900000000000001,1.01,0,0,18.760000000000002,0.22]
[19,22.66,18.41,15.27,1.0900000000000001,1.04,0,0,19.170000000000002,0.22]
[20,23.72,19.25,15.94,1.0900000000000001,1.07,0,0,19.59,0.25]
[21,24.13,19.66,16.350000000000001,1.0900000000000001,1.1100000000000001,0,0,20.22,0.25]
[22,24.54,20.07,16.760000000000002,1.0900000000000001,1.1499999999999999,0,0,20.86,0.26]
[23,24.95,20.49,17.18,1.0900000000000001,1.19,0,0,21.49,0.26]
[24,25.36,20.9,17.59,1.0900000000000001,1.23,0,0,22.12,0.28000000000000003]
[25,25.77,21.31,18,1.0900000000000001,1.27,0,0,22.76,0.28000000000000003]
[26,26.36,21.9,18.579999999999998,1.0900000000000001,1.31,0,0,23.68,0.31]
[27,26.96,22.48,19.170000000000002,1.0900000000000001,1.35,0,0,24.6,0.33]
[28,27.55,23.07,19.75,1.1000000000000001,1.39,0,0,25.52,0.36]
[29,28.15,23.65,20.34,1.1000000000000001,1.43,0,0,26.44,0.36]
[30,28.74,24.24,20.92,1.1100000000000001,1.47,0,0,27.37,0.39]
[31,29.37,24.87,21.55,1.1200000000000001,1.51,0,0,28.32,0.43]
[32,30,25.49,22.17,1.1299999999999999,1.55,0,0,29.28,0.45]
[33,30.64,26.12,22.8,1.1299999999999999,1.59,0,0,30.24,0.46]
[34,31.27,26.74,23.42,1.1399999999999999,1.63,0,0,31.2,0.5]
[35,31.9,27.37,24.05,1.1499999999999999,1.67,0,0,32.15,0.53]
[36,32.24,27.83,24.6,1.1599999999999999,1.71,0,0,33.1,0.56000000000000005]
[37,32.58,28.28,25.14,1.17,1.75,0,0,34.04,0.57999999999999996]
[38,32.93,28.74,25.69,1.18,0,0,0,34.99,0.63]
[39,33.270000000000003,29.19,26.23,1.18,0,0,0,35.93,0.66]
[40,33.61,29.65,26.78,1.19,0,0,0,36.880000000000003,0.68]
[41,34.51,30.54,27.67,1.19,0,0,0,38.1,0.77]
[42,35.42,31.43,28.56,1.2,0,0,0,39.32,0.82]
[43,36.32,32.33,29.45,1.2,0,0,0,40.53,0.9]
[44,37.229999999999997,33.22,30.34,1.21,0,0,0,41.75,0.97]
[45,38.130000000000003,34.11,31.23,1.21,0,0,0,42.97,1.07]
[46,38.799999999999997,34.85,32.020000000000003,1.22,0,0,0,44.19,1.1499999999999999]
[47,39.479999999999997,35.58,32.81,1.22,0,0,0,45.4,1.28]
[48,40.15,36.32,33.61,1.23,0,0,0,46.61,1.37]
[49,40.83,37.049999999999997,34.4,1.23,0,0,0,47.82,1.53]
[50,41.5,37.79,35.19,1.23,0,0,0,49.04,1.64]
[51,42.73,39,36.4,1.25,0,0,0,50.53,1.76]
[52,43.96,40.200000000000003,37.6,1.28,0,0,0,52.03,1.9]
[53,45.2,41.41,38.81,1.3,0,0,0,53.53,1.98]
[54,46.43,42.61,40.01,1.33,0,0,0,55.03,2.13]
[55,47.66,43.82,41.22,1.35,0,0,0,56.53,2.31]
[56,48.94,45.1,42.52,1.38,0,0,0,58.03,0]
[57,50.23,46.38,43.83,1.41,0,0,0,59.54,0]
[58,51.51,47.67,45.13,1.44,0,0,0,61.04,0]
[59,52.8,48.95,46.44,1.47,0,0,0,62.54,0]
[60,54.08,50.23,47.74,1.5,0,0,0,64.05,0]
[61,55.85,51.94,49.22,1.53,0,0,0,65.7,0]
[62,57.61,53.66,50.71,1.56,0,0,0,67.36,0]
[63,59.38,55.37,52.19,1.59,0,0,0,69.010000000000005,0]
[64,61.14,57.09,53.68,1.62,0,0,0,70.67,0]
[65,62.91,58.8,55.16,1.65,0,0,0,72.319999999999993,0]
[66,65.66,61.45,57.63,0,0,0,0,74.08,0]
[67,68.42,64.099999999999994,60.1,0,0,0,0,75.84,0]
[68,71.17,66.739999999999995,62.56,0,0,0,0,77.59,0]
[69,73.930000000000007,69.39,65.03,0,0,0,0,79.349999999999994,0]
[70,76.680000000000007,72.040000000000006,67.5,0,0,0,0,81.11,0]
[71,80.81,75.98,71.13,0,0,0,0,null,0]
[72,84.94,79.930000000000007,74.77,0,0,0,0,null,0]
[73,89.08,83.87,78.400000000000006,0,0,0,0,null,0]
[74,93.21,87.82,82.04,0,0,0,0,null,0]
[75,97.34,91.76,85.67,0,0,0,0,null,0]
[76,105.45,99.46,92.68,0,0,0,0,null,0]
[77,113.56,107.16,99.7,0,0,0,0,null,0]
[78,121.67,114.86,106.71,0,0,0,0,null,0]
[79,129.78,122.56,113.73,0,0,0,0,null,0]
[80,137.88999999999999,130.26,120.74,0,0,0,0,null,0]

{"sheet":"20-Pay Standard FT","index":12,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,9],[2,0,2,9],[3,1,3,3],[3,4,3,9],[1,0,1,9]]}
["20-Pay Standard",null,null,null,null,null,null,null,null,null,"Base policy premium and SPAIR rates updated for NFO"]
["Female Tobacco",null,null,null,null,null,null,null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands",null,null,"Riders"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000","ADB","GIO","DI","CIBR","SPAIR","WP"]
[0,0,0,0]
[1,0,0,0]
[2,0,0,0]
[3,0,0,0]
[4,0,0,0]
[5,0,0,0]
[6,0,0,0]
[7,0,0,0]
[8,0,0,0]
[9,0,0,0]
[10,0,0,0]
[11,0,0,0]
[12,0,0,0]
[13,0,0,0]
[14,0,0,0]
[15,0,0,0]
[16]
[17]
[18,24.21,19.79,16.53,1.0900000000000001,1.01,0,0,20.81,0.22]
[19,24.84,20.41,17.12,1.0900000000000001,1.04,0,0,21.52,0.22]
[20,25.47,21.01,17.71,1.0900000000000001,1.07,0,0,22.08,0.24]
[21,26.02,21.56,18.260000000000002,1.0900000000000001,1.1100000000000001,0,0,22.88,0.27]
[22,26.57,22.1,18.8,1.0900000000000001,1.1499999999999999,0,0,23.68,0.27]
[23,27.12,22.65,19.350000000000001,1.0900000000000001,1.19,0,0,24.47,0.28999999999999998]
[24,27.67,23.19,19.89,1.0900000000000001,1.23,0,0,25.27,0.31]
[25,28.22,23.74,20.440000000000001,1.0900000000000001,1.27,0,0,26.07,0.35]
[26,28.91,24.42,21.12,1.0900000000000001,1.31,0,0,27.16,0.36]
[27,29.6,25.11,21.8,1.0900000000000001,1.35,0,0,28.24,0.4]
[28,30.3,25.79,22.48,1.1000000000000001,1.39,0,0,29.33,0.42]
[29,30.99,26.48,23.16,1.1000000000000001,1.43,0,0,30.41,0.47]
[30,31.68,27.16,23.84,1.1100000000000001,1.47,0,0,31.5,0.49]
[31,32.44,27.91,24.59,1.1200000000000001,1.51,0,0,32.619999999999997,0.5]
[32,33.200000000000003,28.66,25.34,1.1299999999999999,1.55,0,0,33.74,0.56000000000000005]
[33,33.96,29.41,26.08,1.1299999999999999,1.59,0,0,34.85,0.59]
[34,34.72,30.16,26.83,1.1399999999999999,1.63,0,0,35.97,0.65]
[35,35.479999999999997,30.91,27.58,1.1499999999999999,1.67,0,0,37.090000000000003,0.69]
[36,35.9,31.44,28.2,1.1599999999999999,1.71,0,0,38.130000000000003,0.71]
[37,36.32,31.97,28.82,1.17,1.75,0,0,39.17,0.8]
[38,36.74,32.5,29.44,1.18,0,0,0,40.200000000000003,0.84]
[39,37.159999999999997,33.03,30.06,1.18,0,0,0,41.24,0.9]
[40,37.58,33.56,30.68,1.19,0,0,0,42.28,0.93]
[41,38.68,34.630000000000003,31.75,1.19,0,0,0,43.65,1.05]
[42,39.770000000000003,35.700000000000003,32.82,1.2,0,0,0,45.02,1.1200000000000001]
[43,40.869999999999997,36.770000000000003,33.880000000000003,1.2,0,0,0,46.39,1.21]
[44,41.96,37.840000000000003,34.950000000000003,1.21,0,0,0,47.76,1.3]
[45,43.06,38.909999999999997,36.020000000000003,1.21,0,0,0,49.13,1.4]
[46,43.82,39.729999999999997,36.89,1.22,0,0,0,50.37,1.51]
[47,44.59,40.54,37.76,1.22,0,0,0,51.61,1.65]
[48,45.35,41.36,38.64,1.23,0,0,0,52.85,1.81]
[49,46.12,42.17,39.51,1.23,0,0,0,54.09,1.96]
[50,46.88,42.99,40.380000000000003,1.23,0,0,0,55.33,2.0699999999999998]
[51,48.1,44.17,41.56,1.25,0,0,0,56.79,2.25]
[52,49.31,45.36,42.74,1.28,0,0,0,58.26,2.46]
[53,50.53,46.54,43.92,1.3,0,0,0,59.72,2.59]
[54,51.74,47.73,45.1,1.33,0,0,0,61.19,2.81]
[55,52.96,48.91,46.28,1.35,0,0,0,62.65,2.99]
[56,54.07,50.02,47.41,1.38,0,0,0,63.96,0]
[57,55.18,51.13,48.54,1.41,0,0,0,65.260000000000005,0]
[58,56.29,52.23,49.67,1.44,0,0,0,66.569999999999993,0]
[59,57.4,53.34,50.8,1.47,0,0,0,67.87,0]
[60,58.51,54.45,51.93,1.5,0,0,0,69.180000000000007,0]
[61,60.17,56.05,53.23,1.53,0,0,0,70.64,0]
[62,61.83,57.65,54.53,1.56,0,0,0,72.09,0]
[63,63.49,59.26,55.82,1.59,0,0,0,73.55,0]
[64,65.150000000000006,60.86,57.12,1.62,0,0,0,75,0]
[65,66.81,62.46,58.42,1.65,0,0,0,76.459999999999994,0]
[66,68.900000000000006,64.47,60.3,0,0,0,0,77.86,0]
[67,71,66.489999999999995,62.18,0,0,0,0,79.260000000000005,0]
[68,73.09,68.5,64.069999999999993,0,0,0,0,80.66,0]
[69,75.19,70.52,65.95,0,0,0,0,82.06,0]
[70,77.28,72.53,67.83,0,0,0,0,83.46,0]
[71,80.7,75.8,70.84,0,0,0,0,null,0]
[72,84.13,79.069999999999993,73.849999999999994,0,0,0,0,null,0]
[73,87.55,82.34,76.87,0,0,0,0,null,0]
[74,90.98,85.61,79.88,0,0,0,0,null,0]
[75,94.4,88.88,82.89,0,0,0,0,null,0]
[76,101.29,95.39,88.78,0,0,0,0,null,0]
[77,108.18,101.91,94.67,0,0,0,0,null,0]
[78,115.06,108.42,100.56,0,0,0,0,null,0]
[79,121.95,114.94,106.45,0,0,0,0,null,0]
[80,128.84,121.45,112.34,0,0,0,0,0,0]

{"sheet":"20-Pay Standard FN","index":13,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,9],[2,0,2,9],[3,1,3,3],[3,4,3,9],[1,0,1,9]]}
["20-Pay Standard",null,null,null,null,null,null,null,null,null,"Base policy premium and SPAIR rates updated for NFO"]
["Female Non-Tobacco",null,null,null,null,null,null,null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands",null,null,"Riders"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000","ADB","GIO","DI","CIBR","SPAIR","WP"]
[0,13.19,9.8800000000000008,7.42,1.0900000000000001,0.59,0,0,9.14,0]
[1,13.38,10.07,7.61,1.0900000000000001,0.62,0,0,9.4600000000000009,0]
[2,13.58,10.27,7.81,1.0900000000000001,0.64,0,0,9.7799999999999994,0]
[3,13.77,10.46,8,1.0900000000000001,0.66,0,0,10.11,0]
[4,13.97,10.66,8.1999999999999993,1.0900000000000001,0.69,0,0,10.43,0]
[5,14.16,10.85,8.39,1.0900000000000001,0.71,0,0,10.75,0]
[6,14.41,11.1,8.64,1.0900000000000001,0.73,0,0,11.15,0]
[7,14.66,11.35,8.8800000000000008,1.0900000000000001,0.76,0,0,11.54,0]
[8,14.9,11.59,9.1300000000000008,1.0900000000000001,0.78,0,0,11.94,0]
[9,15.15,11.84,9.3699999999999992,1.0900000000000001,0.8,0,0,12.34,0]
[10,15.4,12.09,9.6199999999999992,1.0900000000000001,0.83,0,0,12.73,0]
[11,15.69,12.38,9.91,1.0900000000000001,0.85,0,0,13.19,0]
[12,15.98,12.67,10.199999999999999,1.0900000000000001,0.87,0,0,13.66,0]
[13,16.28,12.96,10.49,1.0900000000000001,0.9,0,0,14.12,0]
[14,16.57,13.25,10.78,1.0900000000000001,0.92,0,0,14.58,0]
[15,16.86,13.54,11.07,1.0900000000000001,0.94,0,0,15.04,0]
[16,18.38,14.75,12.06,1.0900000000000001,0.97,0,0,15.46,0.17]
[17,19.350000000000001,15.52,12.67,1.0900000000000001,0.99,0,0,15.87,0.18]
[18,19.88,15.89,12.92,1.0900000000000001,1.01,0,0,16.29,0.18]
[19,20.89,16.68,13.54,1.0900000000000001,1.04,0,0,16.71,0.21]
[20,21.9,17.46,14.16,1.0900000000000001,1.07,0,0,17.13,0.21]
[21,22.32,17.88,14.58,1.0900000000000001,1.1100000000000001,0,0,17.75,0.24]
[22,22.74,18.3,15,1.0900000000000001,1.1499999999999999,0,0,18.37,0.24]
[23,23.17,18.73,15.43,1.0900000000000001,1.19,0,0,18.98,0.26]
[24,23.59,19.149999999999999,15.85,1.0900000000000001,1.23,0,0,19.600000000000001,0.27]
[25,24.01,19.57,16.27,1.0900000000000001,1.27,0,0,20.22,0.27]
[26,24.55,20.100000000000001,16.8,1.0900000000000001,1.31,0,0,21.06,0.28999999999999998]
[27,25.09,20.63,17.329999999999998,1.0900000000000001,1.35,0,0,21.9,0.33]
[28,25.63,21.17,17.86,1.1000000000000001,1.39,0,0,22.74,0.33]
[29,26.17,21.7,18.39,1.1000000000000001,1.43,0,0,23.58,0.35]
[30,26.71,22.23,18.920000000000002,1.1100000000000001,1.47,0,0,24.42,0.37]
[31,27.31,22.83,19.52,1.1200000000000001,1.51,0,0,25.3,0.39]
[32,27.91,23.43,20.11,1.1299999999999999,1.55,0,0,26.18,0.4]
[33,28.52,24.02,20.71,1.1299999999999999,1.59,0,0,27.06,0.44]
[34,29.12,24.62,21.3,1.1399999999999999,1.63,0,0,27.94,0.48]
[35,29.72,25.22,21.9,1.1499999999999999,1.67,0,0,28.82,0.48]
[36,30.05,25.67,22.44,1.1599999999999999,1.71,0,0,29.74,0.54]
[37,30.39,26.12,22.98,1.17,1.75,0,0,30.65,0.56000000000000005]
[38,30.72,26.56,23.52,1.18,0,0,0,31.57,0.6]
[39,31.06,27.01,24.06,1.18,0,0,0,32.479999999999997,0.62]
[40,31.39,27.46,24.6,1.19,0,0,0,33.4,0.67]
[41,32.26,28.32,25.46,1.19,0,0,0,34.549999999999997,0.71]
[42,33.130000000000003,29.18,26.31,1.2,0,0,0,35.700000000000003,0.78]
[43,34,30.03,27.17,1.2,0,0,0,36.86,0.81]
[44,34.869999999999997,30.89,28.02,1.21,0,0,0,38.01,0.86]
[45,35.74,31.75,28.88,1.21,0,0,0,39.159999999999997,0.96]
[46,36.340000000000003,32.409999999999997,29.6,1.22,0,0,0,40.340000000000003,1.01]
[47,36.94,33.08,30.32,1.22,0,0,0,41.51,1.1499999999999999]
[48,37.53,33.74,31.03,1.23,0,0,0,42.69,1.23]
[49,38.130000000000003,34.409999999999997,31.75,1.23,0,0,0,43.87,1.31]
[50,38.729999999999997,35.07,32.47,1.23,0,0,0,45.04,1.42]
[51,39.729999999999997,36.06,33.46,1.25,0,0,0,46.42,1.51]
[52,40.729999999999997,37.04,34.44,1.28,0,0,0,47.8,1.63]
[53,41.74,38.03,35.43,1.3,0,0,0,49.17,1.74]
[54,42.74,39.01,36.409999999999997,1.33,0,0,0,50.55,1.87]
[55,43.74,40,37.4,1.35,0,0,0,51.92,2.0099999999999998]
[56,44.77,41.04,38.46,1.38,0,0,0,53.34,0]
[57,45.79,42.07,39.520000000000003,1.41,0,0,0,54.75,0]
[58,46.82,43.11,40.58,1.44,0,0,0,56.17,0]
[59,47.84,44.14,41.64,1.47,0,0,0,57.59,0]
[60,48.87,45.18,42.7,1.5,0,0,0,59,0]
[61,50.33,46.61,43.98,1.53,0,0,0,60.61,0]
[62,51.79,48.03,45.26,1.56,0,0,0,62.21,0]
[63,53.26,49.46,46.53,1.59,0,0,0,63.82,0]
[64,54.72,50.88,47.81,1.62,0,0,0,65.430000000000007,0]
[65,56.18,52.31,49.09,1.65,0,0,0,67.040000000000006,0]
[66,58.17,54.23,50.91,0,0,0,0,68.75,0]
[67,60.15,56.15,52.72,0,0,0,0,70.459999999999994,0]
[68,62.14,58.08,54.54,0,0,0,0,72.17,0]
[69,64.12,60,56.35,0,0,0,0,73.88,0]
[70,66.11,61.92,58.17,0,0,0,0,75.59,0]
[71,69.42,65.099999999999994,61.12,0,0,0,0,null,0]
[72,72.73,68.27,64.069999999999993,0,0,0,0,null,0]
[73,76.03,71.45,67.02,0,0,0,0,null,0]
[74,79.34,74.62,69.97,0,0,0,0,null,0]
[75,82.65,77.8,72.92,0,0,0,0,null,0]
[76,88.37,83.25,77.91,0,0,0,0,null,0]
[77,94.1,88.69,82.9,0,0,0,0,null,0]
[78,99.82,94.14,87.88,0,0,0,0,null,0]
[79,105.55,99.58,92.87,0,0,0,0,null,0]
[80,111.27,105.03,97.86,0,0,0,0,0,0]

{"sheet":"20-Pay Special MT","index":14,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,3],[1,0,1,3],[3,1,3,3]]}
["20 Pay Special",null,null,null,null,null,null,null,null,null,"Base policy premium rates updated for NFO"]
["Male Tobacco",null,null,null,null,null,null,null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000"]
[0,0,0,0]
[1,0,0,0]
[2,0,0,0]
[3,0,0,0]
[4,0,0,0]
[5,0,0,0]
[6,0,0,0]
[7,0,0,0]
[8,0,0,0]
[9,0,0,0]
[10,0,0,0]
[11,0,0,0]
[12,0,0,0]
[13,0,0,0]
[14,0,0,0]
[15,0,0,0]
[16,0,0,0]
[17,0,0,0]
[18,30.4,25.61,22.38]
[19,30.62,26.29,23]
[20,31.73,27.06,23.72]
[21,32.229999999999997,27.56,24.22]
[22,32.729999999999997,28.06,24.73]
[23,33.229999999999997,28.57,25.23]
[24,33.729999999999997,29.07,25.74]
[25,34.229999999999997,29.57,26.24]
[26,35.19,30.51,27.17]
[27,36.15,31.45,28.11]
[28,37.1,32.380000000000003,29.04]
[29,38.06,33.32,29.98]
[30,39.020000000000003,34.26,30.91]
[31,40.11,35.33,31.98]
[32,41.2,36.4,33.049999999999997]
[33,42.3,37.479999999999997,34.11]
[34,43.39,38.549999999999997,35.18]
[35,44.48,39.619999999999997,36.25]
[36,45.35,40.590000000000003,37.31]
[37,46.22,41.56,38.369999999999997]
[38,47.1,42.52,39.42]
[39,47.97,43.49,40.479999999999997]
[40,48.84,44.46,41.54]
[41,50.65,46.22,43.29]
[42,52.46,47.97,45.04]
[43,54.27,49.73,46.78]
[44,56.08,51.48,48.53]
[45,57.89,53.24,50.28]
[46,59.53,54.91,52]
[47,61.17,56.57,53.72]
[48,62.82,58.24,55.45]
[49,64.459999999999994,59.9,57.17]
[50,66.099999999999994,61.57,58.89]
[51,69.239999999999995,64.59,61.9]
[52,72.38,67.62,64.900000000000006]
[53,75.52,70.64,67.91]
[54,78.66,73.67,70.91]
[55,81.8,76.69,73.92]
[56,85.92,80.69,77.92]
[57,90.04,84.68,81.92]
[58,94.15,88.68,85.92]
[59,98.27,92.67,89.92]
[60,102.39,96.67,93.92]
[61,109.2,103.2,99.27]
[62,116.01,109.74,104.63]
[63,122.83,116.27,109.98]
[64,129.63999999999999,122.81,115.34]
[65,136.44999999999999,129.34,120.69]
[66,147.19,139.62,130.19999999999999]
[67,157.93,149.9,139.71]
[68,168.67,160.16999999999999,149.21]
[69,179.41,170.45,158.72]
[70,190.15,180.73,168.23]
[71,209.63,199.09,184.72]
[72,229.1,217.44,201.21]
[73,248.58,235.8,217.71]
[74,268.05,254.15,234.2]
[75,287.52999999999997,272.51,250.69]
[76,325.67,308.14,282.18]
[77,363.82,343.76,313.68]
[78,401.96,379.39,345.17]
[79,440.11,415.01,376.67]
[80,478.25,450.64,408.16]

{"sheet":"20-Pay Special MN","index":15,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,3],[1,0,1,3],[3,1,3,3]]}
["20 Pay Special",null,null,null,null,null,"change to guide required here",null,null,null,"Base policy premium rates updated for NFO"]
["Male Non-Tobacco",null,null,null,null,null,null,null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000"]
[0,0,0,0]
[1,0,0,0]
[2,0,0,0]
[3,0,0,0]
[4,0,0,0]
[5,0,0,0]
[6,0,0,0]
[7,0,0,0]
[8,0,0,0]
[9,0,0,0]
[10,0,0,0]
[11,0,0,0]
[12,0,0,0]
[13,0,0,0]
[14,0,0,0]
[15,0,0,0]
[16,0,0,0]
[17,0,0,0]
[18,24.7,20.71,17.510000000000002]
[19,25.53,21.26,18]
[20,26.45,21.88,18.559999999999999]
[21,26.81,22.25,18.93]
[22,27.18,22.62,19.3]
[23,27.54,22.98,19.670000000000002]
[24,27.91,23.35,20.04]
[25,28.27,23.72,20.41]
[26,28.97,24.41,21.1]
[27,29.67,25.1,21.78]
[28,30.38,25.8,22.47]
[29,31.08,26.49,23.15]
[30,31.78,27.18,23.84]
[31,32.56,27.95,24.62]
[32,33.35,28.73,25.39]
[33,34.130000000000003,29.5,26.17]
[34,34.92,30.28,26.94]
[35,35.700000000000003,31.05,27.72]
[36,36.270000000000003,31.73,28.49]
[37,36.840000000000003,32.4,29.25]
[38,37.4,33.08,30.02]
[39,37.97,33.75,30.78]
[40,38.54,34.43,31.55]
[41,39.78,35.64,32.76]
[42,41.02,36.86,33.97]
[43,42.25,38.07,35.18]
[44,43.49,39.29,36.39]
[45,44.73,40.5,37.6]
[46,45.82,41.63,38.79]
[47,46.9,42.77,39.979999999999997]
[48,47.99,43.9,41.18]
[49,49.07,45.04,42.37]
[50,50.16,46.17,43.56]
[51,52.11,48.07,45.45]
[52,54.06,49.97,47.34]
[53,56.01,51.86,49.24]
[54,57.96,53.76,51.13]
[55,59.91,55.66,53.02]
[56,62.25,57.96,55.34]
[57,64.599999999999994,60.27,57.66]
[58,66.94,62.57,59.97]
[59,69.290000000000006,64.88,62.29]
[60,71.63,67.180000000000007,64.61]
[61,75.2,70.62,67.52]
[62,78.77,74.069999999999993,70.430000000000007]
[63,82.33,77.510000000000005,73.34]
[64,85.9,80.959999999999994,76.25]
[65,89.47,84.4,79.16]
[66,95.89,90.58,84.94]
[67,102.31,96.76,90.72]
[68,108.74,102.94,96.49]
[69,115.16,109.12,102.27]
[70,121.58,115.3,108.05]
[71,132.94999999999999,126.19,118.15]
[72,144.33000000000001,137.09,128.25]
[73,155.69999999999999,147.97999999999999,138.35]
[74,167.08,158.88,148.44999999999999]
[75,178.45,169.77,158.55000000000001]
[76,202.01,192.22,179.18]
[77,225.57,214.68,199.82]
[78,249.12,237.13,220.45]
[79,272.68,259.58999999999997,241.09]
[80,296.24,282.04000000000002,261.72000000000003]

{"sheet":"20-Pay Special FT","index":16,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,3],[1,0,1,3],[3,1,3,3]]}
["20 Pay Special",null,null,null,null,null,null,null,null,null,"Base policy premium rates updated for NFO"]
["Female Tobacco",null,null,null,null,null,null,null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000"]
[0,0,0,0]
[1,0,0,0]
[2,0,0,0]
[3,0,0,0]
[4,0,0,0]
[5,0,0,0]
[6,0,0,0]
[7,0,0,0]
[8,0,0,0]
[9,0,0,0]
[10,0,0,0]
[11,0,0,0]
[12,0,0,0]
[13,0,0,0]
[14,0,0,0]
[15,0,0,0]
[16,0,0,0]
[17,0,0,0]
[18,26.3,21.98,18.78]
[19,26.78,22.56,19.309999999999999]
[20,27.75,23.22,19.91]
[21,28.4,23.87,20.55]
[22,29.05,24.51,21.2]
[23,29.71,25.16,21.84]
[24,30.36,25.8,22.49]
[25,31.01,26.45,23.13]
[26,31.88,27.3,23.98]
[27,32.75,28.15,24.83]
[28,33.61,29.01,25.68]
[29,34.479999999999997,29.86,26.53]
[30,35.35,30.71,27.38]
[31,36.380000000000003,31.72,28.39]
[32,37.409999999999997,32.729999999999997,29.39]
[33,38.43,33.74,30.4]
[34,39.46,34.75,31.4]
[35,40.49,35.76,32.409999999999997]
[36,41.29,36.65,33.4]
[37,42.09,37.549999999999997,34.380000000000003]
[38,42.88,38.44,35.369999999999997]
[39,43.68,39.340000000000003,36.35]
[40,44.48,40.229999999999997,37.340000000000003]
[41,46.24,41.94,39.04]
[42,48,43.64,40.729999999999997]
[43,49.75,45.35,42.43]
[44,51.51,47.05,44.12]
[45,53.27,48.76,45.82]
[46,54.78,50.3,47.42]
[47,56.3,51.84,49.01]
[48,57.81,53.39,50.61]
[49,59.33,54.93,52.2]
[50,60.84,56.47,53.8]
[51,63.15,58.71,56.03]
[52,65.47,60.95,58.26]
[53,67.78,63.19,60.49]
[54,70.099999999999994,65.430000000000007,62.72]
[55,72.41,67.67,64.95]
[56,74.97,70.180000000000007,67.48]
[57,77.53,72.69,70]
[58,80.08,75.2,72.53]
[59,82.64,77.709999999999994,75.05]
[60,85.2,80.22,77.58]
[61,89.26,84.14,80.78]
[62,93.32,88.06,83.99]
[63,97.37,91.99,87.19]
[64,101.43,95.91,90.4]
[65,105.49,99.83,93.6]
[66,111.21,105.37,98.83]
[67,116.93,110.91,104.06]
[68,122.66,116.44,109.3]
[69,128.38,121.98,114.53]
[70,134.1,127.52,119.76]
[71,144.72999999999999,137.75,129.31]
[72,155.36000000000001,147.97,138.86000000000001]
[73,166,158.19999999999999,148.41999999999999]
[74,176.63,168.42,157.97]
[75,187.26,178.65,167.52]
[76,211.19,201.42,188.35]
[77,235.13,224.19,209.19]
[78,259.06,246.97,230.02]
[79,283,269.74,250.86]
[80,306.93,292.51,271.69]

{"sheet":"20-Pay Special FN","index":17,"n_rows":86,"n_cols":11,"rows_kept":86,"cut":false,"hidden":true,"merged":[[0,0,0,3],[1,0,1,3],[3,1,3,3]]}
["20 Pay Special",null,null,null,null,null,null,null,null,null,"Base policy premium rates updated for NFO"]
["Female Non-Tobacco",null,null,null,null,null,"change to guide required here",null,null,null,"JB 6/29/21"]
["Annual Premium Rates per $1,000 of Face Amount"]
[null,"Face Amount Bands"]
["Issue Age","15,000-24,999","25,000-74,999","75,000-150,000"]
[0,0,0,0]
[1,0,0,0]
[2,0,0,0]
[3,0,0,0]
[4,0,0,0]
[5,0,0,0]
[6,0,0,0]
[7,0,0,0]
[8,0,0,0]
[9,0,0,0]
[10,0,0,0]
[11,0,0,0]
[12,0,0,0]
[13,0,0,0]
[14,0,0,0]
[15,0,0,0]
[16,0,0,0]
[17,0,0,0]
[18,21.54,17.98,14.81]
[19,22.67,18.46,15.23]
[20,23.49,19,15.7]
[21,23.96,19.47,16.170000000000002]
[22,24.43,19.940000000000001,16.64]
[23,24.9,20.41,17.100000000000001]
[24,25.37,20.88,17.57]
[25,25.84,21.35,18.04]
[26,26.48,21.98,18.66]
[27,27.12,22.6,19.29]
[28,27.75,23.23,19.91]
[29,28.39,23.85,20.54]
[30,29.03,24.48,21.16]
[31,29.76,25.21,21.88]
[32,30.5,25.93,22.61]
[33,31.23,26.66,23.33]
[34,31.97,27.38,24.06]
[35,32.700000000000003,28.11,24.78]
[36,33.229999999999997,28.74,25.5]
[37,33.75,29.38,26.23]
[38,34.28,30.01,26.95]
[39,34.799999999999997,30.65,27.68]
[40,35.33,31.28,28.4]
[41,36.51,32.44,29.56]
[42,37.700000000000003,33.6,30.71]
[43,38.880000000000003,34.75,31.87]
[44,40.07,35.909999999999997,33.020000000000003]
[45,41.25,37.07,34.18]
[46,42.19,38.07,35.229999999999997]
[47,43.13,39.06,36.28]
[48,44.08,40.06,37.340000000000003]
[49,45.02,41.05,38.39]
[50,45.96,42.05,39.44]
[51,47.41,43.47,40.86]
[52,48.86,44.89,42.27]
[53,50.3,46.31,43.69]
[54,51.75,47.73,45.1]
[55,53.2,49.15,46.52]
[56,54.9,50.84,48.23]
[57,56.61,52.53,49.95]
[58,58.31,54.23,51.66]
[59,60.02,55.92,53.38]
[60,61.72,57.61,55.09]
[61,64.349999999999994,60.16,57.27]
[62,66.97,62.7,59.46]
[63,69.599999999999994,65.25,61.64]
[64,72.22,67.790000000000006,63.83]
[65,74.849999999999994,70.34,66.010000000000005]
[66,78.98,74.33,69.77]
[67,83.12,78.319999999999993,73.52]
[68,87.25,82.31,77.28]
[69,91.39,86.3,81.03]
[70,95.52,90.29,84.79]
[71,103.63,98.08,92.06]
[72,111.73,105.87,99.33]
[73,119.84,113.66,106.59]
[74,127.94,121.45,113.86]
[75,136.05000000000001,129.24,121.13]
[76,152.33000000000001,144.78,135.46]
[77,168.6,160.33000000000001,149.79]
[78,184.88,175.87,164.12]
[79,201.15,191.42,178.45]
[80,217.43,206.96,192.78]