{"text_format":"1","workbook":"xlsx","n_sheets":9,"sheets":["README","Scheme_Benefit_Overview","Data","Output","Policy_Info","CF_Calculation","Mortality","Lapse","Benefit_Factor"],"not_rendered":{"charts":0,"images":0,"macros":1,"external_links":0,"defined_names":26,"comments":1,"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":"README","index":0,"n_rows":2,"n_cols":2,"rows_kept":2,"cut":false,"hidden":false,"merged":[]}
[null,"Note： "]
[null,"This excel file is for vba code illustration only and does not reflect any company's real business model"]

{"sheet":"Scheme_Benefit_Overview","index":1,"n_rows":11,"n_cols":4,"rows_kept":11,"cut":false,"hidden":false,"merged":[]}
[]
[null,null,"Life Table","United States, 2021, Life Table"]
[null,null,"Lapse","Corresponding to Laspe rate table"]
[null,null,"Membership","For Ordinary and Senior Staffs only"]
[null,null,"Scheme Service","minimum age 25, subject to a maximum of 40 years"]
[null,null,"Retirement Age",65]
[null,null,"Pension","Ordinary: 2% * Final Salary * Scheme Service"]
[null,null,null,"Senior: 3% * Final Salary * Scheme Service"]
[null,null,"Spouse","No spouse benefit"]
[null,null,"Childern ","No childern benefit"]
[null,null,"Contribution","No contribution"]

{"sheet":"Data","index":2,"n_rows":10,"n_cols":9,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
["Data as of November 2023"]
[null,"Pension Scheme","Company","Gender","Date of Birth","Date Joined Company","Monthly Salary as of November 2023","Beneficiary","Status"]
[null,"Type A","Sub A","M","1971-02-10","2000-09-02",301200,"Pensioner","Ordinary"]
[]
[]
[]
[null,"Pension Scheme","Company","Gender","Date of Birth","Date Joined Company","Monthly Salary as of November 2023","Beneficiary","Status"]
[null,"Type A","Sub A","M","1971-02-10","2000-09-02",301200,"Pensioner","Ordinary"]
[null,"Type A","Sub A","F","1983-09-06","2008-02-20",420300,"Pensioner","Senior"]
[null,"Type A","Sub A","M","1971-02-10","2000-09-02",301200,"Pensioner","Ordinary"]

{"sheet":"Output","index":3,"n_rows":5,"n_cols":10,"rows_kept":5,"cut":false,"hidden":false,"merged":[]}
["Data as of November 2023"]
[null,{"$f":"Data!B7","v":"Pension Scheme"},{"$f":"Data!C7","v":"Company"},{"$f":"Data!D7","v":"Gender"},{"$f":"Data!E7","v":"Date of Birth"},{"$f":"Data!F7","v":"Date Joined Company"},{"$f":"Data!G7","v":"Monthly Salary as of November 2023"},{"$f":"Data!H7","v":"Beneficiary"},{"$f":"Data!I7","v":"Status"},"Output"]
[null,{"$f":"Data!B8","v":"Type A"},{"$f":"Data!C8","v":"Sub A"},{"$f":"Data!D8","v":"M"},{"$f":"Data!E8","v":"1971-02-10"},{"$f":"Data!F8","v":"2000-09-02"},{"$f":"Data!G8","v":301200},{"$f":"Data!H8","v":"Pensioner"},{"$f":"Data!I8","v":"Ordinary"},10660348.703069342]
[null,{"$f":"Data!B9","v":"Type A"},{"$f":"Data!C9","v":"Sub A"},{"$f":"Data!D9","v":"F"},{"$f":"Data!E9","v":"1983-09-06"},{"$f":"Data!F9","v":"2008-02-20"},{"$f":"Data!G9","v":420300},{"$f":"Data!H9","v":"Pensioner"},{"$f":"Data!I9","v":"Senior"},14198615.467262913]
[null,{"$f":"Data!B10","v":"Type A"},{"$f":"Data!C10","v":"Sub A"},{"$f":"Data!D10","v":"M"},{"$f":"Data!E10","v":"1971-02-10"},{"$f":"Data!F10","v":"2000-09-02"},{"$f":"Data!G10","v":301200},{"$f":"Data!H10","v":"Pensioner"},{"$f":"Data!I10","v":"Ordinary"},10660348.703069342]

{"sheet":"Policy_Info","index":4,"n_rows":18,"n_cols":3,"rows_kept":18,"cut":false,"hidden":false,"merged":[]}
[null,"Policy holder's Information"]
[null,"Valuation Date","2023-12-31"]
[null,"Date of Birth",{"$f":"Data!$E$3","v":"1971-02-10"}]
[null,"Max_Age",100]
[null,"Gender",{"$f":"Data!$D$3","v":"M"}]
[null,"Discount Rate p.a.",0.02]
[null,"Disc Rate monthly",{"$f":"(1+C6)^(1/12)-1","v":1.6515813019202241E-3}]
[null,"Retirement_Age",65]
[null,"Max_Scheme_Service",{"$f":"Retire_age-Schem_Start_Age","v":40}]
[null,"Scheme_Start_Age",25]
[null,"Date Joined Company",{"$f":"Data!$F$3","v":"2000-09-02"}]
[null,"Status",{"$f":"Data!$I$3","v":"Ordinary"}]
[null,"Pension_Factor",{"$f":"VLOOKUP(Status,Benefit_Factor!$B$2:$C$3,2)","v":0.02}]
[null,"Basic Monthly Salary as at November 2023",{"$f":"Data!$G$3","v":301200}]
[null,"Salary_Increase_Rate",0.02]
[null,"Pension_Increase_Rate",5.0000000000000001E-3]
[null,"Current_Service_Year",{"$f":"MIN(YEARFRAC(Joined_date,Val_Date,3),Max_Schem_Service)","v":23.342465753424658}]
[null,"Expect_Service_Year",{"$f":"MAX(Scheme_service)","v":35.435616438356163}]

{"sheet":"CF_Calculation","index":5,"n_rows":904,"n_cols":19,"rows_kept":904,"cut":false,"hidden":false,"merged":[]}
["Date","Att Age","Int Age","Indicator\nRetired: 1","Calender\nMonth","Calender\nYear","Policy\nMonth","Policy\nYear","time","Discount Factor \n(BOM)","qx","Lapse Rate","px","Scheme Service","Salary PP\n(per policy)","Pension PP\n(per policy)","Pension CF\n(cash flow)","PVCF\n（present value of CF)","Obligation"]
["2022-11-30",null,null,null,null,null,null,null,null,null,null,null,1,{"$f":"IF(D3=1,Max_Schem_Service,\"\")","v":""},{"$f":"Monthly_Salary","v":301200}]
[{"$f":"IF(B3=\"\",\"\",EOMONTH(A2,1))","v":"2022-12-31"},{"$f":"YEARFRAC(Birth_Date,Val_Date,3)","v":52.923287671232877},{"$f":"IF(B3=\"\",\"\",INT(B3))","v":52},{"$f":"IF(C3=\"\",\"\",IF(C3>=Retire_age,1,0))","v":0},1,{"$f":"YEAR(Val_Date)+1","v":2024},1,1,{"$f":"0","v":0},1,{"$f":"IF(B3=\"\",\"\",1-(1-VLOOKUP(C3,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.4308275338831322E-4},{"$f":"IF(B3=\"\",\"\",1-(1-VLOOKUP(H3,Lapse!$B$3:$C$43,2))^(1/12))","v":8.7416109546967213E-3},{"$f":"IF(B3=\"\",\"\",M2*(1-K3)*(1-L3))","v":0.99062092787115674},{"$f":"IF(B3=\"\",\"\",IF(retire_indicator=1,N2,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":23.427397260273974},{"$f":"IF(B3=\"\",\"\",IF(retire_indicator=1,O2,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":301200},{"$f":"IF(B3=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":0},{"$f":"IF(B3=\"\",\"\",M2*Pension_PP)","v":0},{"$f":"IF(B3=\"\",0,Pension_CF+R4/(1+Disc_Rate_Month))","v":16183210.108626628},{"$f":"PVCF*current_service/except_service","v":10660348.703069342}]
[{"$f":"IF(B4=\"\",\"\",EOMONTH(A3,1))","v":"2023-01-31"},{"$f":"IF(B3=\"\",\"\", IF(B3+1/12>Max_age,\"\",B3+1/12))","v":53.006621004566213},{"$f":"IF(B4=\"\",\"\",INT(B4))","v":53},0,{"$f":"IF(B4=\"\",\"\",IF(E3=12,1,E3+1))","v":2},{"$f":"IF(B4=\"\",\"\",IF(E3=12,F3+1,F3))","v":2024},{"$f":"IF(B4=\"\",\"\",IF(G3=12,1,G3+1))","v":2},{"$f":"IF(B4=\"\",\"\",IF(G3=12,H3+1,H3))","v":1},{"$f":"IF(B4=\"\",\"\",I3+1)","v":1},{"$f":"IF(B4=\"\",\"\",(1+Disc_Rate_Month)^(-I4))","v":0.99835114192125218},{"$f":"IF(B4=\"\",\"\",1-(1-VLOOKUP(C4,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.9566557674560769E-4},{"$f":"IF(B4=\"\",\"\",1-(1-VLOOKUP(H4,Lapse!$B$3:$C$43,2))^(1/12))","v":8.7416109546967213E-3},{"$f":"IF(B4=\"\",\"\",M3*(1-K4)*(1-L4))","v":0.98127818843846093},23.506849315068493,301200,0,0,16209937.995847082,10677955.135659281]
["2023-02-28",53.089954337899549,53,0,3,{"$f":"IF(B5=\"\",\"\",IF(E4=12,F4+1,F4))","v":2024},{"$f":"IF(B5=\"\",\"\",IF(G4=12,1,G4+1))","v":3},{"$f":"IF(B5=\"\",\"\",IF(G4=12,H4+1,H4))","v":1},2,0.99670500257546824,{"$f":"IF(B5=\"\",\"\",1-(1-VLOOKUP(C5,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.9566557674560769E-4},{"$f":"IF(B5=\"\",\"\",1-(1-VLOOKUP(H5,Lapse!$B$3:$C$43,2))^(1/12))","v":8.7416109546967213E-3},0.97202356220593222,23.591780821917808,301200,0,0,16236710.026346309,10695590.64670408]
["2023-03-31",53.173287671232885,53,0,4,2024,4,1,3,0.99506157747984325,{"$f":"IF(B6=\"\",\"\",1-(1-VLOOKUP(C6,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.9566557674560769E-4},{"$f":"IF(B6=\"\",\"\",1-(1-VLOOKUP(H6,Lapse!$B$3:$C$43,2))^(1/12))","v":8.7416109546967213E-3},0.96285621816077194,23.673972602739727,301200,0,0,16263526.273030523,10713255.284229169]
["2023-04-30",53.25662100456622,53,0,5,2024,5,1,4,0.99342086215896408,{"$f":"IF(B7=\"\",\"\",1-(1-VLOOKUP(C7,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.9566557674560769E-4},{"$f":"IF(B7=\"\",\"\",1-(1-VLOOKUP(H7,Lapse!$B$3:$C$43,2))^(1/12))","v":8.7416109546967213E-3},0.9537753331276253,23.758904109589039,301200,0,0,16290386.80892635,10730949.0963393]
["2023-05-31",53.339954337899556,53,0,6,2024,6,1,5,0.99178285214479667,{"$f":"IF(B8=\"\",\"\",1-(1-VLOOKUP(C8,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.9566557674560769E-4},{"$f":"IF(B8=\"\",\"\",1-(1-VLOOKUP(H8,Lapse!$B$3:$C$43,2))^(1/12))","v":8.7416109546967213E-3},0.94478009169466515,23.841095890410958,301200,0,0,16317291.70718102,10748672.131218672]
["2023-06-30",53.423287671232892,53,0,7,2024,7,1,6,0.99014754297667429,{"$f":"IF(B9=\"\",\"\",1-(1-VLOOKUP(C9,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.9566557674560769E-4},{"$f":"IF(B9=\"\",\"\",1-(1-VLOOKUP(H9,Lapse!$B$3:$C$43,2))^(1/12))","v":8.7416109546967213E-3},0.93586968614037247,23.926027397260274,301200,0,0,16344241.041062579,10766424.437131064]
["2023-07-31",53.506621004566227,53,0,8,2024,8,1,7,0.98851493020128489,{"$f":"IF(B10=\"\",\"\",1-(1-VLOOKUP(C10,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.9566557674560769E-4},{"$f":"IF(B10=\"\",\"\",1-(1-VLOOKUP(H10,Lapse!$B$3:$C$43,2))^(1/12))","v":8.7416109546967213E-3},0.92704331636100767,24.010958904109589,301200,0,0,16371234.883960074,10784206.062419966]
["2023-08-31",53.589954337899563,53,0,9,2024,9,1,8,0.98688500937265944,{"$f":"IF(B11=\"\",\"\",1-(1-VLOOKUP(C11,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.9566557674560769E-4},{"$f":"IF(B11=\"\",\"\",1-(1-VLOOKUP(H11,Lapse!$B$3:$C$43,2))^(1/12))","v":8.7416109546967213E-3},0.91830018979876582,24.093150684931508,301200,0,0,16398273.309383767,10802017.055508714]
["2023-09-30",53.673287671232899,53,0,10,2024,10,1,9,0.98525777605216025,{"$f":"IF(B12=\"\",\"\",1-(1-VLOOKUP(C12,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.9566557674560769E-4},{"$f":"IF(B12=\"\",\"\",1-(1-VLOOKUP(H12,Lapse!$B$3:$C$43,2))^(1/12))","v":8.7416109546967213E-3},0.90963952137060922,24.17808219178082,301200,0,0,16425356.390965322,10819857.464900615]
["2023-10-31",53.756621004566234,53,0,11,2024,11,1,10,0.98363322580846757,{"$f":"IF(B13=\"\",\"\",1-(1-VLOOKUP(C13,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.9566557674560769E-4},{"$f":"IF(B13=\"\",\"\",1-(1-VLOOKUP(H13,Lapse!$B$3:$C$43,2))^(1/12))","v":8.7416109546967213E-3},0.9010605333977717,24.260273972602739,301200,0,0,16452484.202458017,10837727.339179087]
["2023-11-30",53.83995433789957,53,0,12,2024,12,1,11,0.98201135421756858,{"$f":"IF(B14=\"\",\"\",1-(1-VLOOKUP(C14,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.9566557674560769E-4},{"$f":"IF(B14=\"\",\"\",1-(1-VLOOKUP(H14,Lapse!$B$3:$C$43,2))^(1/12))","v":8.7416109546967213E-3},0.89256245553592761,24.345205479452055,301200,0,0,16479656.817736935,10855626.727007786]
["2023-12-31",53.923287671232906,53,0,1,2025,1,2,12,0.98039215686274461,{"$f":"IF(B15=\"\",\"\",1-(1-VLOOKUP(C15,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.9566557674560769E-4},{"$f":"IF(B15=\"\",\"\",1-(1-VLOOKUP(H15,Lapse!$B$3:$C$43,2))^(1/12))","v":6.9243826282994192E-3},0.88576538612084366,24.43013698630137,307224,0,0,16506874.310799172,10873555.677130738]
["2024-01-31",54.006621004566242,54,0,2,2025,2,2,13,0.97877562933456053,{"$f":"IF(B16=\"\",\"\",1-(1-VLOOKUP(C16,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.5504128274683779E-4},{"$f":"IF(B16=\"\",\"\",1-(1-VLOOKUP(H16,Lapse!$B$3:$C$43,2))^(1/12))","v":6.9243826282994192E-3},0.87896784918902438,24.506849315068493,307224,0,0,16534136.755764036,10891514.238372475]
["2024-02-29",54.089954337899577,54,0,3,2025,3,2,14,0.97716176723085102,{"$f":"IF(B17=\"\",\"\",1-(1-VLOOKUP(C17,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.5504128274683779E-4},{"$f":"IF(B17=\"\",\"\",1-(1-VLOOKUP(H17,Lapse!$B$3:$C$43,2))^(1/12))","v":6.9243826282994192E-3},0.87222247788600871,24.591780821917808,307224,0,0,16561444.226873247,10909502.459638167]
["2024-03-31",54.173287671232913,54,0,4,2025,4,2,15,0.97555056615670888,{"$f":"IF(B18=\"\",\"\",1-(1-VLOOKUP(C18,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.5504128274683779E-4},{"$f":"IF(B18=\"\",\"\",1-(1-VLOOKUP(H18,Lapse!$B$3:$C$43,2))^(1/12))","v":6.9243826282994192E-3},0.86552887188255156,24.673972602739727,307224,0,0,16588796.798491145,10927520.389913758]
["2024-04-30",54.256621004566249,54,0,5,2025,5,2,16,0.97394202172447419,{"$f":"IF(B19=\"\",\"\",1-(1-VLOOKUP(C19,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.5504128274683779E-4},{"$f":"IF(B19=\"\",\"\",1-(1-VLOOKUP(H19,Lapse!$B$3:$C$43,2))^(1/12))","v":6.9243826282994192E-3},0.8588866339216128,24.758904109589039,307224,0,0,16616194.545104887,10945568.078266094]
["2024-05-31",54.339954337899584,54,0,6,2025,6,2,17,0.97233612955372184,{"$f":"IF(B20=\"\",\"\",1-(1-VLOOKUP(C20,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.5504128274683779E-4},{"$f":"IF(B20=\"\",\"\",1-(1-VLOOKUP(H20,Lapse!$B$3:$C$43,2))^(1/12))","v":6.9243826282994192E-3},0.85229536979478049,24.841095890410958,307224,0,0,16643637.541324651,10963645.573843053]
["2024-06-30",54.42328767123292,54,0,7,2025,7,2,18,0.97073288527124879,{"$f":"IF(B21=\"\",\"\",1-(1-VLOOKUP(C21,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.5504128274683779E-4},{"$f":"IF(B21=\"\",\"\",1-(1-VLOOKUP(H21,Lapse!$B$3:$C$43,2))^(1/12))","v":6.9243826282994192E-3},0.84575468831887535,24.926027397260274,307224,0,0,16671125.86188384,10981752.925873691]
["2024-07-31",54.506621004566256,54,0,8,2025,8,2,19,0.96913228451106315,{"$f":"IF(B22=\"\",\"\",1-(1-VLOOKUP(C22,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.5504128274683779E-4},{"$f":"IF(B22=\"\",\"\",1-(1-VLOOKUP(H22,Lapse!$B$3:$C$43,2))^(1/12))","v":6.9243826282994192E-3},0.83926420131273427,25.010958904109589,307224,0,0,16698659.581639286,10999890.183668373]
["2024-08-31",54.589954337899592,54,0,9,2025,9,2,20,0.96753432291437169,{"$f":"IF(B23=\"\",\"\",1-(1-VLOOKUP(C23,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.5504128274683779E-4},{"$f":"IF(B23=\"\",\"\",1-(1-VLOOKUP(H23,Lapse!$B$3:$C$43,2))^(1/12))","v":6.9243826282994192E-3},0.83282352357417244,25.093150684931508,307224,0,0,16726238.775571452,11018057.396618893]
["2024-09-30",54.673287671232927,54,0,10,2025,10,2,21,0.96593899612956846,{"$f":"IF(B24=\"\",\"\",1-(1-VLOOKUP(C24,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.5504128274683779E-4},{"$f":"IF(B24=\"\",\"\",1-(1-VLOOKUP(H24,Lapse!$B$3:$C$43,2))^(1/12))","v":6.9243826282994192E-3},0.82643227285712206,25.17808219178082,307224,0,0,16753863.518784638,11036254.614198633]
["2024-10-31",54.756621004566263,54,0,11,2025,11,2,22,0.96434629981222286,{"$f":"IF(B25=\"\",\"\",1-(1-VLOOKUP(C25,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.5504128274683779E-4},{"$f":"IF(B25=\"\",\"\",1-(1-VLOOKUP(H25,Lapse!$B$3:$C$43,2))^(1/12))","v":6.9243826282994192E-3},0.82009006984894628,25.260273972602739,307224,0,0,16781533.886507187,11054481.885962674]
["2024-11-30",54.839954337899599,54,0,12,2025,12,2,23,0.96275622962506691,{"$f":"IF(B26=\"\",\"\",1-(1-VLOOKUP(C26,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.5504128274683779E-4},{"$f":"IF(B26=\"\",\"\",1-(1-VLOOKUP(H26,Lapse!$B$3:$C$43,2))^(1/12))","v":6.9243826282994192E-3},0.81379653814792774,25.345205479452055,307224,0,0,16809249.954091683,11072739.261547947]
["2024-12-31",54.923287671232934,54,0,1,2026,1,3,24,0.96116878123798455,{"$f":"IF(B27=\"\",\"\",1-(1-VLOOKUP(C27,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.5504128274683779E-4},{"$f":"IF(B27=\"\",\"\",1-(1-VLOOKUP(H27,Lapse!$B$3:$C$43,2))^(1/12))","v":6.0293080661268927E-3},0.80827916284246115,25.43013698630137,313368.48,0,0,16837011.797015164,11091026.790673358]
["2025-01-31",55.00662100456627,55,0,2,2026,2,3,25,0.95958395032800015,{"$f":"IF(B28=\"\",\"\",1-(1-VLOOKUP(C28,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.1649367993985589E-4},{"$f":"IF(B28=\"\",\"\",1-(1-VLOOKUP(H28,Lapse!$B$3:$C$43,2))^(1/12))","v":6.0293080661268927E-3},0.80274982300913322,25.506849315068493,313368.48,0,0,16864819.490879323,11109344.523139929]
["2025-02-28",55.089954337899606,55,0,3,2026,3,3,26,0.95800173257926513,{"$f":"IF(B29=\"\",\"\",1-(1-VLOOKUP(C29,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.1649367993985589E-4},{"$f":"IF(B29=\"\",\"\",1-(1-VLOOKUP(H29,Lapse!$B$3:$C$43,2))^(1/12))","v":6.0293080661268927E-3},0.79725830871974834,25.591780821917808,313368.48,0,0,16892673.111410718,11127692.508830937]
["2025-03-31",55.173287671232941,55,0,4,2026,4,3,27,0.95642212368304735,{"$f":"IF(B30=\"\",\"\",1-(1-VLOOKUP(C30,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.1649367993985589E-4},{"$f":"IF(B30=\"\",\"\",1-(1-VLOOKUP(H30,Lapse!$B$3:$C$43,2))^(1/12))","v":6.0293080661268927E-3},0.79180436121434294,25.673972602739727,313368.48,0,0,16920572.734460976,11146070.797712039]
["2025-04-30",55.256621004566277,55,0,5,2026,5,3,28,0.95484511933771943,{"$f":"IF(B31=\"\",\"\",1-(1-VLOOKUP(C31,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.1649367993985589E-4},{"$f":"IF(B31=\"\",\"\",1-(1-VLOOKUP(H31,Lapse!$B$3:$C$43,2))^(1/12))","v":6.0293080661268927E-3},0.78638772350309882,25.758904109589039,313368.48,0,0,16948518.436006993,11164479.439831421]
["2025-05-31",55.339954337899613,55,0,6,2026,6,3,29,0.95327071524874651,{"$f":"IF(B32=\"\",\"\",1-(1-VLOOKUP(C32,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.1649367993985589E-4},{"$f":"IF(B32=\"\",\"\",1-(1-VLOOKUP(H32,Lapse!$B$3:$C$43,2))^(1/12))","v":6.0293080661268927E-3},0.78100814035423405,25.841095890410958,313368.48,0,0,16976510.292151153,11182918.48531992]
["2025-06-30",55.423287671232949,55,0,7,2026,7,3,30,0.95169890712867522,{"$f":"IF(B33=\"\",\"\",1-(1-VLOOKUP(C33,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.1649367993985589E-4},{"$f":"IF(B33=\"\",\"\",1-(1-VLOOKUP(H33,Lapse!$B$3:$C$43,2))^(1/12))","v":6.0293080661268927E-3},0.77566535828197636,25.926027397260274,313368.48,0,0,17004548.379121527,11201387.984391171]
["2025-07-31",55.506621004566284,55,0,8,2026,8,3,31,0.95012969069712039,{"$f":"IF(B34=\"\",\"\",1-(1-VLOOKUP(C34,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.1649367993985589E-4},{"$f":"IF(B34=\"\",\"\",1-(1-VLOOKUP(H34,Lapse!$B$3:$C$43,2))^(1/12))","v":6.0293080661268927E-3},0.77035912553461905,26.010958904109589,313368.48,0,0,17032632.773272082,11219887.987341747]
["2025-08-31",55.58995433789962,55,0,9,2026,9,3,32,0.9485630616807561,{"$f":"IF(B35=\"\",\"\",1-(1-VLOOKUP(C35,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.1649367993985589E-4},{"$f":"IF(B35=\"\",\"\",1-(1-VLOOKUP(H35,Lapse!$B$3:$C$43,2))^(1/12))","v":6.0293080661268927E-3},0.76508919208265824,26.093150684931508,313368.48,0,0,17060763.55108289,11238418.544551279]
["2025-09-30",55.673287671232956,55,0,10,2026,10,3,33,0.94699901581330204,{"$f":"IF(B36=\"\",\"\",1-(1-VLOOKUP(C36,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.1649367993985589E-4},{"$f":"IF(B36=\"\",\"\",1-(1-VLOOKUP(H36,Lapse!$B$3:$C$43,2))^(1/12))","v":6.0293080661268927E-3},0.75985530960701175,26.17808219178082,313368.48,0,0,17088940.789160341,11256979.706482612]
["2025-10-31",55.756621004566291,55,0,11,2026,11,3,34,0.94543754883551201,{"$f":"IF(B37=\"\",\"\",1-(1-VLOOKUP(C37,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.1649367993985589E-4},{"$f":"IF(B37=\"\",\"\",1-(1-VLOOKUP(H37,Lapse!$B$3:$C$43,2))^(1/12))","v":6.0293080661268927E-3},0.75465723148731789,26.260273972602739,313368.48,0,0,17117164.564237341,11275571.523681937]
["2025-11-30",55.839954337899627,55,0,12,2026,12,3,35,0.94387865649516312,{"$f":"IF(B38=\"\",\"\",1-(1-VLOOKUP(C38,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.1649367993985589E-4},{"$f":"IF(B38=\"\",\"\",1-(1-VLOOKUP(H38,Lapse!$B$3:$C$43,2))^(1/12))","v":6.0293080661268927E-3},0.74949471279031521,26.345205479452055,313368.48,0,0,17145434.953173526,11294194.046778912]
["2025-12-31",55.923287671232963,55,0,1,2027,1,4,36,0.94232233454704339,{"$f":"IF(B39=\"\",\"\",1-(1-VLOOKUP(C39,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.1649367993985589E-4},{"$f":"IF(B39=\"\",\"\",1-(1-VLOOKUP(H39,Lapse!$B$3:$C$43,2))^(1/12))","v":5.1430128318229462E-3},0.74503124147519328,26.43013698630137,319635.84959999996,0,0,17173752.032955475,11312847.326486832]
["2026-01-31",56.006621004566298,56,0,2,2027,2,4,37,0.94076857875294084,{"$f":"IF(B40=\"\",\"\",1-(1-VLOOKUP(C40,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.8006990605404845E-4},{"$f":"IF(B40=\"\",\"\",1-(1-VLOOKUP(H40,Lapse!$B$3:$C$43,2))^(1/12))","v":5.1430128318229462E-3},0.74054722883395119,26.506849315068493,319635.84959999996,0,0,17202115.880696919,11331531.413602734]
["2026-02-28",56.089954337899634,56,0,3,2027,3,4,38,0.9392173848816322,{"$f":"IF(B41=\"\",\"\",1-(1-VLOOKUP(C41,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.8006990605404845E-4},{"$f":"IF(B41=\"\",\"\",1-(1-VLOOKUP(H41,Lapse!$B$3:$C$43,2))^(1/12))","v":5.1430128318229462E-3},0.73609020347625842,26.591780821917808,319635.84959999996,0,0,17230526.573638942,11350246.359007562]
["2026-03-31",56.17328767123297,56,0,4,2027,4,4,39,0.93766874870886974,{"$f":"IF(B42=\"\",\"\",1-(1-VLOOKUP(C42,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.8006990605404845E-4},{"$f":"IF(B42=\"\",\"\",1-(1-VLOOKUP(H42,Lapse!$B$3:$C$43,2))^(1/12))","v":5.1430128318229462E-3},0.73166000297762346,26.673972602739727,319635.84959999996,0,0,17258984.189150203,11368992.213666286]
["2026-04-30",56.256621004566306,56,0,5,2027,5,4,40,0.9361226660173716,{"$f":"IF(B43=\"\",\"\",1-(1-VLOOKUP(C43,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.8006990605404845E-4},{"$f":"IF(B43=\"\",\"\",1-(1-VLOOKUP(H43,Lapse!$B$3:$C$43,2))^(1/12))","v":5.1430128318229462E-3},0.7272564658911157,26.758904109589039,319635.84959999996,0,0,17287488.804727141,11387769.028628053]
["2026-05-31",56.339954337899641,56,0,6,2027,6,4,41,0.93457913259680991,{"$f":"IF(B44=\"\",\"\",1-(1-VLOOKUP(C44,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.8006990605404845E-4},{"$f":"IF(B44=\"\",\"\",1-(1-VLOOKUP(H44,Lapse!$B$3:$C$43,2))^(1/12))","v":5.1430128318229462E-3},0.72287943174148217,26.841095890410958,319635.84959999996,0,0,17316040.497994184,11406576.855026321]
["2026-06-30",56.423287671232977,56,0,7,2027,7,4,42,0.9330381442437985,{"$f":"IF(B45=\"\",\"\",1-(1-VLOOKUP(C45,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.8006990605404845E-4},{"$f":"IF(B45=\"\",\"\",1-(1-VLOOKUP(H45,Lapse!$B$3:$C$43,2))^(1/12))","v":5.1430128318229462E-3},0.71852874101929898,26.926027397260274,319635.84959999996,0,0,17344639.346703965,11425415.744079001]
["2026-07-31",56.506621004566313,56,0,8,2027,8,4,43,0.93149969676188238,{"$f":"IF(B46=\"\",\"\",1-(1-VLOOKUP(C46,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.8006990605404845E-4},{"$f":"IF(B46=\"\",\"\",1-(1-VLOOKUP(H46,Lapse!$B$3:$C$43,2))^(1/12))","v":5.1430128318229462E-3},0.71420423517515907,27.010958904109589,319635.84959999996,0,0,17373285.428737532,11444285.747088587]
["2026-08-31",56.589954337899648,56,0,9,2027,9,4,44,0.92996378596152518,{"$f":"IF(B47=\"\",\"\",1-(1-VLOOKUP(C47,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.8006990605404845E-4},{"$f":"IF(B47=\"\",\"\",1-(1-VLOOKUP(H47,Lapse!$B$3:$C$43,2))^(1/12))","v":5.1430128318229462E-3},0.70990575661389366,27.093150684931508,319635.84959999996,0,0,17401978.822104558,11463186.91544231]
["2026-09-30",56.673287671232984,56,0,10,2027,10,4,45,0.92843040766009954,{"$f":"IF(B48=\"\",\"\",1-(1-VLOOKUP(C48,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.8006990605404845E-4},{"$f":"IF(B48=\"\",\"\",1-(1-VLOOKUP(H48,Lapse!$B$3:$C$43,2))^(1/12))","v":5.1430128318229462E-3},0.70563314868882954,27.17808219178082,319635.84959999996,0,0,17430719.604943559,11482119.300612273]
["2026-10-31",56.75662100456632,56,0,11,2027,11,4,46,0.92689955768187426,{"$f":"IF(B49=\"\",\"\",1-(1-VLOOKUP(C49,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.8006990605404845E-4},{"$f":"IF(B49=\"\",\"\",1-(1-VLOOKUP(H49,Lapse!$B$3:$C$43,2))^(1/12))","v":5.1430128318229462E-3},0.70138625569608037,27.260273972602739,319635.84959999996,0,0,17459507.855522096,11501082.954155581]
["2026-11-30",56.839954337899655,56,0,12,2027,12,4,47,0.92537123185800285,{"$f":"IF(B50=\"\",\"\",1-(1-VLOOKUP(C50,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.8006990605404845E-4},{"$f":"IF(B50=\"\",\"\",1-(1-VLOOKUP(H50,Lapse!$B$3:$C$43,2))^(1/12))","v":5.1430128318229462E-3},0.69716492286887244,27.345205479452055,319635.84959999996,0,0,17488343.652237006,11520077.927714495]
["2026-12-31",56.923287671232991,56,0,1,2028,1,5,48,0.92384542602651276,{"$f":"IF(B51=\"\",\"\",1-(1-VLOOKUP(C51,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.8006990605404845E-4},{"$f":"IF(B51=\"\",\"\",1-(1-VLOOKUP(H51,Lapse!$B$3:$C$43,2))^(1/12))","v":4.2653187775606449E-3},0.69358035536696472,27.43013698630137,326028.56659200002,0,0,17517227.073614594,11539104.273016572]
["2027-01-31",57.006621004566327,57,0,2,2028,2,5,49,0.92232213603229485,{"$f":"IF(B52=\"\",\"\",1-(1-VLOOKUP(C52,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.5078783364910269E-4},{"$f":"IF(B52=\"\",\"\",1-(1-VLOOKUP(H52,Lapse!$B$3:$C$43,2))^(1/12))","v":4.2653187775606449E-3},0.68996537904485855,27.509589041095889,326028.56659200002,0,0,17546158.198310867,11558162.041874794]
["2027-02-28",57.089954337899663,57,0,3,2028,3,5,50,0.92080135772708993,{"$f":"IF(B53=\"\",\"\",1-(1-VLOOKUP(C53,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.5078783364910269E-4},{"$f":"IF(B53=\"\",\"\",1-(1-VLOOKUP(H53,Lapse!$B$3:$C$43,2))^(1/12))","v":4.2653187775606449E-3},0.6863692441644228,27.594520547945205,326028.56659200002,0,0,17575137.105111733,11577251.28618772]
["2027-03-31",57.173287671232998,57,0,4,2028,4,5,51,0.91928308696947958,{"$f":"IF(B54=\"\",\"\",1-(1-VLOOKUP(C54,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.5078783364910269E-4},{"$f":"IF(B54=\"\",\"\",1-(1-VLOOKUP(H54,Lapse!$B$3:$C$43,2))^(1/12))","v":4.2653187775606449E-3},0.68279185252309882,27.676712328767124,326028.56659200002,0,0,17604163.87293322,11596372.057939619]
["2027-04-30",57.256621004566334,57,0,5,2028,5,5,52,0.91776731962487368,{"$f":"IF(B55=\"\",\"\",1-(1-VLOOKUP(C55,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.5078783364910269E-4},{"$f":"IF(B55=\"\",\"\",1-(1-VLOOKUP(H55,Lapse!$B$3:$C$43,2))^(1/12))","v":4.2653187775606449E-3},0.67923310643016466,27.761643835616439,326028.56659200002,0,0,17633238.580821697,11615524.409200624]
["2027-05-31",57.33995433789967,57,0,6,2028,6,5,53,0.91625405156549955,{"$f":"IF(B56=\"\",\"\",1-(1-VLOOKUP(C56,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.5078783364910269E-4},{"$f":"IF(B56=\"\",\"\",1-(1-VLOOKUP(H56,Lapse!$B$3:$C$43,2))^(1/12))","v":4.2653187775606449E-3},0.67569290870406762,27.843835616438355,326028.56659200002,0,0,17662361.30795408,11634708.392126858]
["2027-06-30",57.423287671233005,57,0,7,2028,7,5,54,0.9147432786703904,{"$f":"IF(B57=\"\",\"\",1-(1-VLOOKUP(C57,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.5078783364910269E-4},{"$f":"IF(B57=\"\",\"\",1-(1-VLOOKUP(H57,Lapse!$B$3:$C$43,2))^(1/12))","v":4.2653187775606449E-3},0.67217116266977017,27.92876712328767,326028.56659200002,0,0,17691532.133638058,11653924.058960589]
["2027-07-31",57.506621004566341,57,0,8,2028,8,5,55,0.91323499682537457,{"$f":"IF(B58=\"\",\"\",1-(1-VLOOKUP(C58,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.5078783364910269E-4},{"$f":"IF(B58=\"\",\"\",1-(1-VLOOKUP(H58,Lapse!$B$3:$C$43,2))^(1/12))","v":4.2653187775606449E-3},0.66866777215610984,28.013698630136986,326028.56659200002,0,0,17720751.137312297,11673171.462030368]
["2027-08-31",57.589954337899677,57,0,9,2028,9,5,56,0.9117292019230635,{"$f":"IF(B59=\"\",\"\",1-(1-VLOOKUP(C59,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.5078783364910269E-4},{"$f":"IF(B59=\"\",\"\",1-(1-VLOOKUP(H59,Lapse!$B$3:$C$43,2))^(1/12))","v":4.2653187775606449E-3},0.6651826414931733,28.095890410958905,326028.56659200002,0,0,17750018.398546662,11692450.653751165]
["2027-09-30",57.673287671233012,57,0,10,2028,10,5,57,0.91022588986284247,{"$f":"IF(B60=\"\",\"\",1-(1-VLOOKUP(C60,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.5078783364910269E-4},{"$f":"IF(B60=\"\",\"\",1-(1-VLOOKUP(H60,Lapse!$B$3:$C$43,2))^(1/12))","v":4.2653187775606449E-3},0.66171567550968369,28.18082191780822,326028.56659200002,0,0,17779333.997042444,11711761.686624527]
["2027-10-31",57.756621004566348,57,0,11,2028,11,5,58,0.90872505655085678,{"$f":"IF(B61=\"\",\"\",1-(1-VLOOKUP(C61,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.5078783364910269E-4},{"$f":"IF(B61=\"\",\"\",1-(1-VLOOKUP(H61,Lapse!$B$3:$C$43,2))^(1/12))","v":4.2653187775606449E-3},0.6582667795304018,28.263013698630136,326028.56659200002,0,0,17808698.012632553,11731104.613238702]
["2027-11-30",57.839954337899684,57,0,12,2028,12,5,59,0.90722669790000232,{"$f":"IF(B62=\"\",\"\",1-(1-VLOOKUP(C62,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.5078783364910269E-4},{"$f":"IF(B62=\"\",\"\",1-(1-VLOOKUP(H62,Lapse!$B$3:$C$43,2))^(1/12))","v":4.2653187775606449E-3},0.65483585937354061,28.347945205479451,326028.56659200002,0,0,17838110.525281761,11750479.486268798]
["2027-12-31",57.92328767123302,57,0,1,2029,1,6,60,0.90573080982991405,{"$f":"IF(B63=\"\",\"\",1-(1-VLOOKUP(C63,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.5078783364910269E-4},{"$f":"IF(B63=\"\",\"\",1-(1-VLOOKUP(H63,Lapse!$B$3:$C$43,2))^(1/12))","v":3.3960531989175591E-3},0.65199150640699366,28.432876712328767,332549.13792384003,0,0,17867571.615086902,11769886.358476914]
["2028-01-31",58.006621004566355,58,0,2,2029,2,6,61,0.90423738826695521,{"$f":"IF(B64=\"\",\"\",1-(1-VLOOKUP(C64,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0295401997169051E-3},{"$f":"IF(B64=\"\",\"\",1-(1-VLOOKUP(H64,Lapse!$B$3:$C$43,2))^(1/12))","v":3.3960531989175591E-3},0.64910833670596058,28.509589041095889,332549.13792384003,0,0,17897081.362277102,11789325.282712303]
["2028-02-29",58.089954337899691,58,0,3,2029,3,6,62,0.90274642914420578,{"$f":"IF(B65=\"\",\"\",1-(1-VLOOKUP(C65,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0295401997169051E-3},{"$f":"IF(B65=\"\",\"\",1-(1-VLOOKUP(H65,Lapse!$B$3:$C$43,2))^(1/12))","v":3.3960531989175591E-3},0.64623791666108599,28.594520547945205,332549.13792384003,0,0,17926639.847213984,11808796.311911484]
["2028-03-31",58.173287671233027,58,0,4,2029,4,6,63,0.90125792840145025,{"$f":"IF(B66=\"\",\"\",1-(1-VLOOKUP(C66,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0295401997169051E-3},{"$f":"IF(B66=\"\",\"\",1-(1-VLOOKUP(H66,Lapse!$B$3:$C$43,2))^(1/12))","v":3.3960531989175591E-3},0.64338018989215329,28.676712328767124,332549.13792384003,0,0,17956247.150391899,11828299.499098422]
["2028-04-30",58.256621004566362,58,{"$f":"IF(C67=\"\",\"\",IF(C67>=Retire_age,1,0))","v":0},5,2029,5,6,64,0.89977188198517,{"$f":"IF(B67=\"\",\"\",1-(1-VLOOKUP(C67,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0295401997169051E-3},{"$f":"IF(B67=\"\",\"\",1-(1-VLOOKUP(H67,Lapse!$B$3:$C$43,2))^(1/12))","v":3.3960531989175591E-3},0.64053510026826488,{"$f":"IF(B67=\"\",\"\",IF(retire_indicator=1,N66,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":28.761643835616439},{"$f":"IF(B67=\"\",\"\",IF(retire_indicator=1,O66,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":332549.13792384003},{"$f":"IF(B67=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":0},{"$f":"IF(B67=\"\",\"\",M66*Pension_PP)","v":0},{"$f":"IF(B67=\"\",0,Pension_CF+R68/(1+Disc_Rate_Month))","v":17985903.352438144},{"$f":"PVCF*current_service/except_service","v":11847834.897384645}]
[{"$f":"IF(B68=\"\",\"\",EOMONTH(A67,1))","v":"2028-05-31"},{"$f":"IF(B67=\"\",\"\", IF(B67+1/12>Max_age,\"\",B67+1/12))","v":58.339954337899698},{"$f":"IF(B68=\"\",\"\",INT(B68))","v":58},0,6,2029,6,6,{"$f":"IF(B68=\"\",\"\",I67+1)","v":65},{"$f":"IF(B68=\"\",\"\",(1+Disc_Rate_Month)^(-I68))","v":0.8982882858485286},{"$f":"IF(B68=\"\",\"\",1-(1-VLOOKUP(C68,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0295401997169051E-3},{"$f":"IF(B68=\"\",\"\",1-(1-VLOOKUP(H68,Lapse!$B$3:$C$43,2))^(1/12))","v":3.3960531989175591E-3},{"$f":"IF(B68=\"\",\"\",M67*(1-K68)*(1-L68))","v":0.63770259190673906},28.843835616438355,332549.13792384003,0,0,18015608.534113176,11867402.559969405]
["2028-06-30",58.423287671233034,58,0,{"$f":"IF(B69=\"\",\"\",IF(E68=12,1,E68+1))","v":7},{"$f":"IF(B69=\"\",\"\",IF(E68=12,F68+1,F68))","v":2029},{"$f":"IF(B69=\"\",\"\",IF(G68=12,1,G68+1))","v":7},{"$f":"IF(B69=\"\",\"\",IF(G68=12,H68+1,H68))","v":6},66,0.89680713595136263,{"$f":"IF(B69=\"\",\"\",1-(1-VLOOKUP(C69,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0295401997169051E-3},{"$f":"IF(B69=\"\",\"\",1-(1-VLOOKUP(H69,Lapse!$B$3:$C$43,2))^(1/12))","v":3.3960531989175591E-3},0.63488260917201289,28.92876712328767,332549.13792384003,0,0,18045362.776310831,11887002.540139809]
["2028-07-31",58.506621004566369,58,0,8,2029,8,6,67,0.89532842826017067,{"$f":"IF(B70=\"\",\"\",1-(1-VLOOKUP(C70,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0295401997169051E-3},{"$f":"IF(B70=\"\",\"\",1-(1-VLOOKUP(H70,Lapse!$B$3:$C$43,2))^(1/12))","v":3.3960531989175591E-3},0.63207509667454953,29.013698630136986,332549.13792384003,0,0,18075166.160058554,11906634.891270984]
["2028-08-31",58.589954337899705,58,0,9,2029,9,6,68,0.89385215874810131,{"$f":"IF(B71=\"\",\"\",1-(1-VLOOKUP(C71,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0295401997169051E-3},{"$f":"IF(B71=\"\",\"\",1-(1-VLOOKUP(H71,Lapse!$B$3:$C$43,2))^(1/12))","v":3.3960531989175591E-3},0.62927999926974987,29.095890410958905,332549.13792384003,0,0,18105018.766517609,11926299.666826198]
["2028-09-30",58.673287671233041,58,0,10,2029,10,6,69,0.89237832339494338,{"$f":"IF(B72=\"\",\"\",1-(1-VLOOKUP(C72,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0295401997169051E-3},{"$f":"IF(B72=\"\",\"\",1-(1-VLOOKUP(H72,Lapse!$B$3:$C$43,2))^(1/12))","v":3.3960531989175591E-3},0.62649726205686951,29.18082191780822,332549.13792384003,0,0,18134920.676983304,11945996.920357026]
["2028-10-31",58.756621004566377,58,0,11,2029,11,6,70,0.89090691818711421,{"$f":"IF(B73=\"\",\"\",1-(1-VLOOKUP(C73,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0295401997169051E-3},{"$f":"IF(B73=\"\",\"\",1-(1-VLOOKUP(H73,Lapse!$B$3:$C$43,2))^(1/12))","v":3.3960531989175591E-3},0.62372683037794052,29.263013698630136,332549.13792384003,0,0,18164871.972885218,11965726.705503484]
["2028-11-30",58.839954337899712,58,0,12,2029,12,6,71,0.88943793911764901,{"$f":"IF(B74=\"\",\"\",1-(1-VLOOKUP(C74,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0295401997169051E-3},{"$f":"IF(B74=\"\",\"\",1-(1-VLOOKUP(H74,Lapse!$B$3:$C$43,2))^(1/12))","v":3.3960531989175591E-3},0.62096864981669786,29.347945205479451,332549.13792384003,0,0,18194872.73578741,11985489.075994182]
["2028-12-31",58.923287671233048,58,0,1,2030,1,7,72,0.88797138218618987,{"$f":"IF(B75=\"\",\"\",1-(1-VLOOKUP(C75,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0295401997169051E-3},{"$f":"IF(B75=\"\",\"\",1-(1-VLOOKUP(H75,Lapse!$B$3:$C$43,2))^(1/12))","v":2.5350486138366879E-3},0.61875677260146911,29.432876712328767,339200.12068231683,0,0,18224923.047388654,12005284.085646464]
["2029-01-31",59.006621004566384,59,0,2,2030,2,7,73,0.88650724339897535,{"$f":"IF(B76=\"\",\"\",1-(1-VLOOKUP(C76,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1140063763022123E-3},{"$f":"IF(B76=\"\",\"\",1-(1-VLOOKUP(H76,Lapse!$B$3:$C$43,2))^(1/12))","v":2.5350486138366879E-3},0.6165006425191748,29.509589041095889,339200.12068231683,0,0,18255022.989522655,12025111.788366556]
["2029-02-28",59.089954337899719,59,0,3,2030,3,7,74,0.88504551876882864,{"$f":"IF(B77=\"\",\"\",1-(1-VLOOKUP(C77,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1140063763022123E-3},{"$f":"IF(B77=\"\",\"\",1-(1-VLOOKUP(H77,Lapse!$B$3:$C$43,2))^(1/12))","v":2.5350486138366879E-3},0.61425273880816822,29.594520547945205,339200.12068231683,0,0,18285172.644158274,12044972.238149723]
["2029-03-31",59.173287671233055,59,0,4,2030,4,7,75,0.88358620431514701,{"$f":"IF(B78=\"\",\"\",1-(1-VLOOKUP(C78,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1140063763022123E-3},{"$f":"IF(B78=\"\",\"\",1-(1-VLOOKUP(H78,Lapse!$B$3:$C$43,2))^(1/12))","v":2.5350486138366879E-3},0.61201303147319996,29.676712328767124,339200.12068231683,0,0,18315372.093399748,12064865.489080397]
["2029-04-30",59.256621004566391,59,0,5,2030,5,7,76,0.88212929606389179,{"$f":"IF(B79=\"\",\"\",1-(1-VLOOKUP(C79,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1140063763022123E-3},{"$f":"IF(B79=\"\",\"\",1-(1-VLOOKUP(H79,Lapse!$B$3:$C$43,2))^(1/12))","v":2.5350486138366879E-3},0.60978149062839027,29.761643835616439,339200.12068231683,0,0,18345621.419486918,12084791.595332345]
["2029-05-31",59.339954337899727,59,0,6,2030,6,7,77,0.88067479004757676,{"$f":"IF(B80=\"\",\"\",1-(1-VLOOKUP(C80,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1140063763022123E-3},{"$f":"IF(B80=\"\",\"\",1-(1-VLOOKUP(H80,Lapse!$B$3:$C$43,2))^(1/12))","v":2.5350486138366879E-3},0.60755808649682996,29.843835616438355,339200.12068231683,0,0,18375920.70479545,12104750.611168798]
["2029-06-30",59.423287671233062,59,0,7,2030,7,7,78,0.87922268230525746,{"$f":"IF(B81=\"\",\"\",1-(1-VLOOKUP(C81,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1140063763022123E-3},{"$f":"IF(B81=\"\",\"\",1-(1-VLOOKUP(H81,Lapse!$B$3:$C$43,2))^(1/12))","v":2.5350486138366879E-3},0.6053427894101836,29.92876712328767,339200.12068231683,0,0,18406270.031837057,12124742.590942612]
["2029-07-31",59.506621004566398,59,0,8,2030,8,7,79,0.8777729688825201,{"$f":"IF(B82=\"\",\"\",1-(1-VLOOKUP(C82,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1140063763022123E-3},{"$f":"IF(B82=\"\",\"\",1-(1-VLOOKUP(H82,Lapse!$B$3:$C$43,2))^(1/12))","v":2.5350486138366879E-3},0.60313556980829341,30.013698630136986,339200.12068231683,0,0,18436669.483259734,12144767.589096408]
["2029-08-31",59.589954337899734,59,0,9,2030,9,7,80,0.87632564583147143,{"$f":"IF(B83=\"\",\"\",1-(1-VLOOKUP(C83,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1140063763022123E-3},{"$f":"IF(B83=\"\",\"\",1-(1-VLOOKUP(H83,Lapse!$B$3:$C$43,2))^(1/12))","v":2.5350486138366879E-3},0.60093639823878442,30.095890410958905,339200.12068231683,0,0,18467119.141847968,12164825.660162726]
["2029-09-30",59.673287671233069,59,0,10,2030,10,7,81,0.87488070921072847,{"$f":"IF(B84=\"\",\"\",1-(1-VLOOKUP(C84,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1140063763022123E-3},{"$f":"IF(B84=\"\",\"\",1-(1-VLOOKUP(H84,Lapse!$B$3:$C$43,2))^(1/12))","v":2.5350486138366879E-3},0.59874524535667228,30.18082191780822,339200.12068231683,0,0,18497619.090522978,12184916.858764172]
["2029-10-31",59.756621004566405,59,0,11,2030,11,7,82,0.87343815508540568,{"$f":"IF(B85=\"\",\"\",1-(1-VLOOKUP(C85,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1140063763022123E-3},{"$f":"IF(B85=\"\",\"\",1-(1-VLOOKUP(H85,Lapse!$B$3:$C$43,2))^(1/12))","v":2.5350486138366879E-3},0.59656208192397087,30.263013698630136,339200.12068231683,0,0,18528169.412342928,12205041.239613557]
["2029-11-30",59.839954337899741,59,0,12,2030,12,7,83,0.87199797952710656,{"$f":"IF(B86=\"\",\"\",1-(1-VLOOKUP(C86,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1140063763022123E-3},{"$f":"IF(B86=\"\",\"\",1-(1-VLOOKUP(H86,Lapse!$B$3:$C$43,2))^(1/12))","v":2.5350486138366879E-3},0.59438687880930252,30.347945205479451,339200.12068231683,0,0,18558770.190503165,12225198.857514068]
["2029-12-31",59.923287671233076,59,0,1,2031,1,8,84,0.87056017861391144,{"$f":"IF(B87=\"\",\"\",1-(1-VLOOKUP(C87,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1140063763022123E-3},{"$f":"IF(B87=\"\",\"\",1-(1-VLOOKUP(H87,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.59272599840667495,30.432876712328767,345984.12309596309,0,0,18589421.508336436,12245389.767359398]
["2030-01-31",60.006621004566412,60,0,2,2031,2,8,85,0.86912474843036769,{"$f":"IF(B88=\"\",\"\",1-(1-VLOOKUP(C88,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2030341459425831E-3},{"$f":"IF(B88=\"\",\"\",1-(1-VLOOKUP(H88,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.59101707865211173,30.509589041095889,345984.12309596309,0,0,18620123.449313119,12265614.024133893]
["2030-02-28",60.089954337899748,60,0,3,2031,3,8,86,0.86769168506747874,{"$f":"IF(B89=\"\",\"\",1-(1-VLOOKUP(C89,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2030341459425831E-3},{"$f":"IF(B89=\"\",\"\",1-(1-VLOOKUP(H89,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.58931308597470622,30.594520547945205,345984.12309596309,0,0,18650876.09704145,12285871.682912724]
["2030-03-31",60.173287671233084,60,0,4,2031,4,8,87,0.86626098462269308,{"$f":"IF(B90=\"\",\"\",1-(1-VLOOKUP(C90,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2030341459425831E-3},{"$f":"IF(B90=\"\",\"\",1-(1-VLOOKUP(H90,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.58761400616894111,30.676712328767124,345984.12309596309,0,0,18681679.535267755,12306162.798862014]
["2030-04-30",60.256621004566419,60,0,5,2031,5,8,88,0.8648326431998935,{"$f":"IF(B91=\"\",\"\",1-(1-VLOOKUP(C91,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2030341459425831E-3},{"$f":"IF(B91=\"\",\"\",1-(1-VLOOKUP(H91,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.58591982507025564,30.761643835616439,345984.12309596309,0,0,18712533.847876668,12326487.427239001]
["2030-05-31",60.339954337899755,60,0,6,2031,6,8,89,0.86340665690938856,{"$f":"IF(B92=\"\",\"\",1-(1-VLOOKUP(C92,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2030341459425831E-3},{"$f":"IF(B92=\"\",\"\",1-(1-VLOOKUP(H92,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.58423052855492763,30.843835616438355,345984.12309596309,0,0,18743439.11889137,12346845.623392181]
["2030-06-30",60.423287671233091,60,0,7,2031,7,8,90,0.86198302186789888,{"$f":"IF(B93=\"\",\"\",1-(1-VLOOKUP(C93,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2030341459425831E-3},{"$f":"IF(B93=\"\",\"\",1-(1-VLOOKUP(H93,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.58254610253995576,30.92876712328767,345984.12309596309,0,0,18774395.432473812,12367237.442761473]
["2030-07-31",60.506621004566426,60,0,8,2031,8,8,91,0.86056173419854853,{"$f":"IF(B94=\"\",\"\",1-(1-VLOOKUP(C94,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2030341459425831E-3},{"$f":"IF(B94=\"\",\"\",1-(1-VLOOKUP(H94,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.58086653298294222,31.013698630136986,345984.12309596309,0,0,18805402.872924943,12387662.940878347]
["2030-08-31",60.589954337899762,60,0,9,2031,9,8,92,0.85914279003085403,{"$f":"IF(B95=\"\",\"\",1-(1-VLOOKUP(C95,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2030341459425831E-3},{"$f":"IF(B95=\"\",\"\",1-(1-VLOOKUP(H95,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.57919180588197561,31.095890410958905,345984.12309596309,0,0,18836461.524684943,12408122.173365992]
["2030-09-30",60.673287671233098,60,0,10,2031,10,8,93,0.85772618550071378,{"$f":"IF(B96=\"\",\"\",1-(1-VLOOKUP(C96,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2030341459425831E-3},{"$f":"IF(B96=\"\",\"\",1-(1-VLOOKUP(H96,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.57752190727551411,31.18082191780822,345984.12309596309,0,0,18867571.472333454,12428615.195939464]
["2030-10-31",60.756621004566433,60,0,11,2031,11,8,94,0.85631191675039764,{"$f":"IF(B97=\"\",\"\",1-(1-VLOOKUP(C97,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2030341459425831E-3},{"$f":"IF(B97=\"\",\"\",1-(1-VLOOKUP(H97,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.57585682324226917,31.263013698630136,345984.12309596309,0,0,18898732.800589804,12449142.064405842]
["2030-11-30",60.839954337899769,60,0,12,2031,12,8,95,0.8548999799285355,{"$f":"IF(B98=\"\",\"\",1-(1-VLOOKUP(C98,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2030341459425831E-3},{"$f":"IF(B98=\"\",\"\",1-(1-VLOOKUP(H98,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.57419653990108954,31.347945205479451,345984.12309596309,0,0,18929945.594313245,12469702.834664362]
["2030-12-31",60.923287671233105,60,0,1,2032,1,9,96,0.85349037119010884,{"$f":"IF(B99=\"\",\"\",1-(1-VLOOKUP(C99,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2030341459425831E-3},{"$f":"IF(B99=\"\",\"\",1-(1-VLOOKUP(H99,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.57254104341084533,31.432876712328767,352903.80555788236,0,0,18961209.93850318,12490297.562706595]
["2031-01-31",61.006621004566441,61,0,2,2032,2,9,97,0.85208308669643851,{"$f":"IF(B100=\"\",\"\",1-(1-VLOOKUP(C100,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2926145395086852E-3},{"$f":"IF(B100=\"\",\"\",1-(1-VLOOKUP(H100,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.57083911779279883,31.512328767123286,352903.80555788236,0,0,18992525.918299396,12510926.304616582]
["2031-02-28",61.089954337899776,61,0,3,2032,3,9,98,0.85067812261517473,{"$f":"IF(B101=\"\",\"\",1-(1-VLOOKUP(C101,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2926145395086852E-3},{"$f":"IF(B101=\"\",\"\",1-(1-VLOOKUP(H101,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.56914225128945284,31.597260273972601,352903.80555788236,0,0,19023893.618982293,12531589.116570987]
["2031-03-31",61.173287671233112,61,0,4,2032,4,9,99,0.84927547512028678,{"$f":"IF(B102=\"\",\"\",1-(1-VLOOKUP(C102,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2926145395086852E-3},{"$f":"IF(B102=\"\",\"\",1-(1-VLOOKUP(H102,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.56745042886217034,31.67945205479452,352903.80555788236,0,0,19055313.125973124,12552286.054839263]
["2031-04-30",61.256621004566448,61,0,5,2032,5,9,100,0.84787514039205225,{"$f":"IF(B103=\"\",\"\",1-(1-VLOOKUP(C103,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2926145395086852E-3},{"$f":"IF(B103=\"\",\"\",1-(1-VLOOKUP(H103,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.56576363551701803,31.764383561643836,352903.80555788236,0,0,19086784.524834216,12573017.175783791]
["2031-05-31",61.339954337899783,61,0,6,2032,6,9,101,0.84647711461704722,{"$f":"IF(B104=\"\",\"\",1-(1-VLOOKUP(C104,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2926145395086852E-3},{"$f":"IF(B104=\"\",\"\",1-(1-VLOOKUP(H104,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.56408185630463314,31.846575342465755,352903.80555788236,0,0,19118307.901269212,12593782.535860036]
["2031-06-30",61.423287671233119,61,0,7,2032,7,9,102,0.84508139398813598,{"$f":"IF(B105=\"\",\"\",1-(1-VLOOKUP(C105,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2926145395086852E-3},{"$f":"IF(B105=\"\",\"\",1-(1-VLOOKUP(H105,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.56240507632009107,31.931506849315067,352903.80555788236,0,0,19149883.341123302,12614582.19161671]
["2031-07-31",61.506621004566455,61,0,8,2032,8,9,103,0.84368797470445911,{"$f":"IF(B106=\"\",\"\",1-(1-VLOOKUP(C106,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2926145395086852E-3},{"$f":"IF(B106=\"\",\"\",1-(1-VLOOKUP(H106,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.56073328070277373,32.016438356164386,352903.80555788236,0,0,19181510.930383455,12635416.199695922]
["2031-08-31",61.58995433789979,61,0,9,2032,9,9,104,0.84229685297142509,{"$f":"IF(B107=\"\",\"\",1-(1-VLOOKUP(C107,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2926145395086852E-3},{"$f":"IF(B107=\"\",\"\",1-(1-VLOOKUP(H107,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.55906645463623705,32.098630136986301,352903.80555788236,0,0,19213190.755178656,12656284.61683332]
["2031-09-30",61.673287671233126,61,0,10,2032,10,9,105,0.84090802500069939,{"$f":"IF(B108=\"\",\"\",1-(1-VLOOKUP(C108,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2926145395086852E-3},{"$f":"IF(B108=\"\",\"\",1-(1-VLOOKUP(H108,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.55740458334808018,32.183561643835617,352903.80555788236,0,0,19244922.901780136,12677187.499858262]
["2031-10-31",61.756621004566462,61,0,11,2032,11,9,106,0.83952148701019313,{"$f":"IF(B109=\"\",\"\",1-(1-VLOOKUP(C109,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2926145395086852E-3},{"$f":"IF(B109=\"\",\"\",1-(1-VLOOKUP(H109,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.55574765210981458,32.265753424657532,352903.80555788236,0,0,19276707.456601612,12698124.905693965]
["2031-11-30",61.839954337899798,61,0,12,2032,12,9,107,0.83813723522405403,{"$f":"IF(B110=\"\",\"\",1-(1-VLOOKUP(C110,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2926145395086852E-3},{"$f":"IF(B110=\"\",\"\",1-(1-VLOOKUP(H110,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.55409564623673313,32.350684931506848,352903.80555788236,0,0,19308544.50619952,12719096.891357657]
["2031-12-31",61.923287671233133,61,0,1,2033,1,10,108,0.83675526587265536,{"$f":"IF(B111=\"\",\"\",1-(1-VLOOKUP(C111,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2926145395086852E-3},{"$f":"IF(B111=\"\",\"\",1-(1-VLOOKUP(H111,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.55244855108778046,32.435616438356163,359961.88166904001,0,0,19340434.137273252,12740103.513960734]
["2032-01-31",62.006621004566469,62,0,2,2033,2,10,109,0.83537557519258643,{"$f":"IF(B112=\"\",\"\",1-(1-VLOOKUP(C112,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.3801673316294893E-3},{"$f":"IF(B112=\"\",\"\",1-(1-VLOOKUP(H112,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.55075806501483782,32.512328767123286,359961.88166904001,0,0,19372376.436665393,12761144.830708919]
["2032-02-29",62.089954337899805,62,0,3,2033,3,10,110,0.83399815942664168,{"$f":"IF(B113=\"\",\"\",1-(1-VLOOKUP(C113,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.3801673316294893E-3},{"$f":"IF(B113=\"\",\"\",1-(1-VLOOKUP(H113,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.54907275180940873,32.597260273972601,359961.88166904001,0,0,19404371.49136195,12782220.898902413]
["2032-03-31",62.17328767123314,62,0,4,2033,4,10,111,0.83262301482381029,{"$f":"IF(B114=\"\",\"\",1-(1-VLOOKUP(C114,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.3801673316294893E-3},{"$f":"IF(B114=\"\",\"\",1-(1-VLOOKUP(H114,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.54739259564257936,32.679452054794524,359961.88166904001,0,0,19436419.388492595,12803331.775936054]
["2032-04-30",62.256621004566476,62,0,5,2033,5,10,112,0.83125013763926647,{"$f":"IF(B115=\"\",\"\",1-(1-VLOOKUP(C115,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.3801673316294893E-3},{"$f":"IF(B115=\"\",\"\",1-(1-VLOOKUP(H115,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.54571758073387222,32.764383561643832,359961.88166904001,0,0,19468520.21533091,12824477.519299472]
["2032-05-31",62.339954337899812,62,0,6,2033,6,10,113,0.82987952413435995,{"$f":"IF(B116=\"\",\"\",1-(1-VLOOKUP(C116,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.3801673316294893E-3},{"$f":"IF(B116=\"\",\"\",1-(1-VLOOKUP(H116,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.54404769135109787,32.846575342465755,359961.88166904001,0,0,19500674.059294607,12845658.186577244]
["2032-06-30",62.423287671233147,62,0,7,2033,7,10,114,0.8285111705766034,{"$f":"IF(B117=\"\",\"\",1-(1-VLOOKUP(C117,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.3801673316294893E-3},{"$f":"IF(B117=\"\",\"\",1-(1-VLOOKUP(H117,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.54238291181020715,32.93150684931507,359961.88166904001,0,0,19532881.00794578,12866873.835449053]
["2032-07-31",62.506621004566483,62,0,8,2033,8,10,115,0.82714507323966535,{"$f":"IF(B118=\"\",\"\",1-(1-VLOOKUP(C118,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.3801673316294893E-3},{"$f":"IF(B118=\"\",\"\",1-(1-VLOOKUP(H118,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.54072322647514415,33.016438356164386,359961.88166904001,0,0,19565141.148991134,12888124.523689846]
["2032-08-31",62.589954337899819,62,0,9,2033,9,10,116,0.82578122840335777,{"$f":"IF(B119=\"\",\"\",1-(1-VLOOKUP(C119,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.3801673316294893E-3},{"$f":"IF(B119=\"\",\"\",1-(1-VLOOKUP(H119,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.53906861975769882,33.098630136986301,359961.88166904001,0,0,19597454.570282239,12909410.309169993]
["2032-09-30",62.673287671233155,62,0,10,2033,10,10,117,0.82441963235362647,{"$f":"IF(B120=\"\",\"\",1-(1-VLOOKUP(C120,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.3801673316294893E-3},{"$f":"IF(B120=\"\",\"\",1-(1-VLOOKUP(H120,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.53741907611736084,33.183561643835617,359961.88166904001,0,0,19629821.35981575,12930731.249855436]
["2032-10-31",62.75662100456649,62,0,11,2033,11,10,118,0.82306028138254195,{"$f":"IF(B121=\"\",\"\",1-(1-VLOOKUP(C121,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.3801673316294893E-3},{"$f":"IF(B121=\"\",\"\",1-(1-VLOOKUP(H121,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.53577458006117384,33.265753424657532,359961.88166904001,0,0,19662241.605733655,12952087.403807852]
["2032-11-30",62.839954337899826,62,0,12,2033,12,10,119,0.82170317178828811,{"$f":"IF(B122=\"\",\"\",1-(1-VLOOKUP(C122,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.3801673316294893E-3},{"$f":"IF(B122=\"\",\"\",1-(1-VLOOKUP(H122,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.53413511614358966,33.350684931506848,359961.88166904001,0,0,19694715.396323524,12973478.829184817]
["2032-12-31",62.923287671233162,62,0,1,2034,1,11,120,0.8203482998751519,{"$f":"IF(B123=\"\",\"\",1-(1-VLOOKUP(C123,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.3801673316294893E-3},{"$f":"IF(B123=\"\",\"\",1-(1-VLOOKUP(H123,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.53250066896632331,33.435616438356163,367161.11930242082,0,0,19727242.820018731,12994905.584239956]
["2033-01-31",63.006621004566497,63,0,2,2034,2,11,121,0.81899566195351581,{"$f":"IF(B124=\"\",\"\",1-(1-VLOOKUP(C124,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4655416060282977E-3},{"$f":"IF(B124=\"\",\"\",1-(1-VLOOKUP(H124,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.53082583779330472,33.512328767123286,367161.11930242082,0,0,19759823.965398714,13016367.727323107]
["2033-02-28",63.089954337899833,63,0,3,2034,3,11,122,0.81764525433984436,{"$f":"IF(B125=\"\",\"\",1-(1-VLOOKUP(C125,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4655416060282977E-3},{"$f":"IF(B125=\"\",\"\",1-(1-VLOOKUP(H125,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.52915627433096069,33.597260273972601,367161.11930242082,0,0,19792458.9211892,13037865.31688047]
["2033-03-31",63.173287671233169,63,0,4,2034,4,11,123,0.81629707335667634,{"$f":"IF(B126=\"\",\"\",1-(1-VLOOKUP(C126,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4655416060282977E-3},{"$f":"IF(B126=\"\",\"\",1-(1-VLOOKUP(H126,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.52749196201118798,33.679452054794524,367161.11930242082,0,0,19825147.776262462,13059398.411454786]
["2033-04-30",63.256621004566504,63,0,5,2034,5,11,124,0.814951115332614,{"$f":"IF(B127=\"\",\"\",1-(1-VLOOKUP(C127,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4655416060282977E-3},{"$f":"IF(B127=\"\",\"\",1-(1-VLOOKUP(H127,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.52583288431799369,33.764383561643832,367161.11930242082,0,0,19857890.619637541,13080967.06968547]
["2033-05-31",63.33995433789984,63,0,6,2034,6,11,125,0.81360737660231308,{"$f":"IF(B128=\"\",\"\",1-(1-VLOOKUP(C128,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4655416060282977E-3},{"$f":"IF(B128=\"\",\"\",1-(1-VLOOKUP(H128,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.52417902478733136,33.846575342465755,367161.11930242082,0,0,19890687.540480513,13102571.350308796]
["2033-06-30",63.423287671233176,63,0,7,2034,7,11,126,0.81226585350647384,{"$f":"IF(B129=\"\",\"\",1-(1-VLOOKUP(C129,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4655416060282977E-3},{"$f":"IF(B129=\"\",\"\",1-(1-VLOOKUP(H129,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.52253036700693745,33.93150684931507,367161.11930242082,0,0,19923538.628104709,13124211.312158043]
["2033-07-31",63.506621004566512,63,0,8,2034,8,11,127,0.81092654239182849,{"$f":"IF(B130=\"\",\"\",1-(1-VLOOKUP(C130,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4655416060282977E-3},{"$f":"IF(B130=\"\",\"\",1-(1-VLOOKUP(H130,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.52088689461616866,34.016438356164386,367161.11930242082,0,0,19956443.971970972,13145887.014163652]
["2033-08-31",63.589954337899847,63,{"$f":"IF(C131=\"\",\"\",IF(C131>=Retire_age,1,0))","v":0},9,2034,9,11,128,0.80958943961113472,{"$f":"IF(B131=\"\",\"\",1-(1-VLOOKUP(C131,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4655416060282977E-3},{"$f":"IF(B131=\"\",\"\",1-(1-VLOOKUP(H131,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.51924859130583956,{"$f":"IF(B131=\"\",\"\",IF(retire_indicator=1,N130,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":34.098630136986301},{"$f":"IF(B131=\"\",\"\",IF(retire_indicator=1,O130,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":367161.11930242082},{"$f":"IF(B131=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":0},{"$f":"IF(B131=\"\",\"\",M130*Pension_PP)","v":0},{"$f":"IF(B131=\"\",0,Pension_CF+R132/(1+Disc_Rate_Month))","v":19989403.661687896},{"$f":"PVCF*current_service/except_service","v":13167598.5153534}]
[{"$f":"IF(B132=\"\",\"\",EOMONTH(A131,1))","v":"2033-09-30"},{"$f":"IF(B131=\"\",\"\", IF(B131+1/12>Max_age,\"\",B131+1/12))","v":63.673287671233183},{"$f":"IF(B132=\"\",\"\",INT(B132))","v":63},0,10,2034,10,11,{"$f":"IF(B132=\"\",\"\",I131+1)","v":129},{"$f":"IF(B132=\"\",\"\",(1+Disc_Rate_Month)^(-I132))","v":0.80825454152316301},{"$f":"IF(B132=\"\",\"\",1-(1-VLOOKUP(C132,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4655416060282977E-3},{"$f":"IF(B132=\"\",\"\",1-(1-VLOOKUP(H132,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},{"$f":"IF(B132=\"\",\"\",M131*(1-K132)*(1-L132))","v":0.51761544081806055},34.183561643835617,367161.11930242082,0,0,20022417.787012074,13189345.874852549]
["2033-10-31",63.756621004566519,63,0,{"$f":"IF(B133=\"\",\"\",IF(E132=12,1,E132+1))","v":11},{"$f":"IF(B133=\"\",\"\",IF(E132=12,F132+1,F132))","v":2034},{"$f":"IF(B133=\"\",\"\",IF(G132=12,1,G132+1))","v":11},{"$f":"IF(B133=\"\",\"\",IF(G132=12,H132+1,H132))","v":11},130,0.80692184449268789,{"$f":"IF(B133=\"\",\"\",1-(1-VLOOKUP(C133,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4655416060282977E-3},{"$f":"IF(B133=\"\",\"\",1-(1-VLOOKUP(H133,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.51598742694607669,34.265753424657532,367161.11930242082,0,0,20055486.437848337,13211129.151884014]
["2033-11-30",63.839954337899854,63,0,12,2034,12,11,131,0.80559134489047801,{"$f":"IF(B134=\"\",\"\",1-(1-VLOOKUP(C134,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4655416060282977E-3},{"$f":"IF(B134=\"\",\"\",1-(1-VLOOKUP(H134,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.51436453353410694,34.350684931506848,367161.11930242082,0,0,20088609.70425,13232948.405768519]
["2033-12-31",63.92328767123319,63,0,1,2035,1,12,132,0.80426303909328611,{"$f":"IF(B135=\"\",\"\",1-(1-VLOOKUP(C135,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4655416060282977E-3},{"$f":"IF(B135=\"\",\"\",1-(1-VLOOKUP(H135,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.5127467444771836,34.435616438356163,374504.34168846917,0,0,20121787.676419113,13254803.695924761]
["2034-01-31",64.006621004566526,64,0,2,2035,2,12,133,0.80293692348383883,{"$f":"IF(B136=\"\",\"\",1-(1-VLOOKUP(C136,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5527462000963776E-3},{"$f":"IF(B136=\"\",\"\",1-(1-VLOOKUP(H136,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.51108940506438705,34.512328767123286,374504.34168846917,0,0,20155020.444706697,13276695.081869574]
["2034-02-28",64.089954337899854,64,0,3,2035,3,12,134,0.80161299445082757,{"$f":"IF(B137=\"\",\"\",1-(1-VLOOKUP(C137,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5527462000963776E-3},{"$f":"IF(B137=\"\",\"\",1-(1-VLOOKUP(H137,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.50943742263134484,34.597260273972601,374504.34168846917,0,0,20188308.099612996,13298622.623218087]
["2034-03-31",64.173287671233183,64,0,4,2035,4,12,135,0.8002912483888982,{"$f":"IF(B138=\"\",\"\",1-(1-VLOOKUP(C138,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5527462000963776E-3},{"$f":"IF(B138=\"\",\"\",1-(1-VLOOKUP(H138,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.5077907798628154,34.679452054794524,374504.34168846917,0,0,20221650.731787723,13320586.379683888]
["2034-04-30",64.256621004566512,64,0,5,2035,5,12,136,0.79897168169864075,{"$f":"IF(B139=\"\",\"\",1-(1-VLOOKUP(C139,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5527462000963776E-3},{"$f":"IF(B139=\"\",\"\",1-(1-VLOOKUP(H139,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.50614945949952495,34.764383561643832,374504.34168846917,0,0,20255048.432030305,13342586.411079187]
["2034-05-31",64.33995433789984,64,0,6,2035,6,12,137,0.79765429078658134,{"$f":"IF(B140=\"\",\"\",1-(1-VLOOKUP(C140,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5527462000963776E-3},{"$f":"IF(B140=\"\",\"\",1-(1-VLOOKUP(H140,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.50451344433798639,34.846575342465755,374504.34168846917,0,0,20288501.291290134,13364622.777314981]
["2034-06-30",64.423287671233169,64,0,7,2035,7,12,138,0.79633907206516996,{"$f":"IF(B141=\"\",\"\",1-(1-VLOOKUP(C141,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5527462000963776E-3},{"$f":"IF(B141=\"\",\"\",1-(1-VLOOKUP(H141,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.50288271723031919,34.93150684931507,374504.34168846917,0,0,20322009.400666814,13386695.538401211]
["2034-07-31",64.506621004566497,64,0,8,2035,8,12,139,0.79502602195277283,{"$f":"IF(B142=\"\",\"\",1-(1-VLOOKUP(C142,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5527462000963776E-3},{"$f":"IF(B142=\"\",\"\",1-(1-VLOOKUP(H142,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.50125726108406943,35.016438356164386,374504.34168846917,0,0,20355572.851410404,13408804.754446935]
["2034-08-31",64.589954337899826,64,0,9,2035,9,12,140,0.79371513687366113,{"$f":"IF(B143=\"\",\"\",1-(1-VLOOKUP(C143,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5527462000963776E-3},{"$f":"IF(B143=\"\",\"\",1-(1-VLOOKUP(H143,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.49963705886203064,35.098630136986301,374504.34168846917,0,0,20389191.734921668,13430950.485660477]
["2034-09-30",64.673287671233155,64,0,10,2035,10,12,141,0.79240641325800265,{"$f":"IF(B144=\"\",\"\",1-(1-VLOOKUP(C144,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5527462000963776E-3},{"$f":"IF(B144=\"\",\"\",1-(1-VLOOKUP(H144,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.49802209358206556,35.183561643835617,374504.34168846917,0,0,20422866.142752331,13453132.79234961]
["2034-10-31",64.756621004566483,64,0,11,2035,11,12,142,0.7910998475418507,{"$f":"IF(B145=\"\",\"\",1-(1-VLOOKUP(C145,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5527462000963776E-3},{"$f":"IF(B145=\"\",\"\",1-(1-VLOOKUP(H145,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.49641234831692771,35.265753424657532,374504.34168846917,0,0,20456596.16660532,13475351.734921707]
["2034-11-30",64.839954337899812,64,0,12,2035,12,12,143,0.78979543616713521,{"$f":"IF(B146=\"\",\"\",1-(1-VLOOKUP(C146,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5527462000963776E-3},{"$f":"IF(B146=\"\",\"\",1-(1-VLOOKUP(H146,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.49480780619408421,35.350684931506848,374504.34168846917,0,0,20490381.898335017,13497607.373883899]
["2034-12-31",64.92328767123314,64,0,1,2036,1,13,144,0.78849317558165266,{"$f":"IF(B147=\"\",\"\",1-(1-VLOOKUP(C147,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5527462000963776E-3},{"$f":"IF(B147=\"\",\"\",1-(1-VLOOKUP(H147,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.49320845039553884,35.435616438356163,381994.42852223862,0,0,20524223.42994751,13519899.769843265]
["2035-01-31",65.006621004566469,65,1,2,2036,2,13,145,0.78719306223905738,{"$f":"IF(B148=\"\",\"\",1-(1-VLOOKUP(C148,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.6461405877054025E-3},{"$f":"IF(B148=\"\",\"\",1-(1-VLOOKUP(H148,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.49156827874083381,35.435616438356163,381994.42852223862,287421.83488426148,141758.87779310904,20558120.853600845,13542228.983506976]
["2035-02-28",65.089954337899798,65,1,3,2036,3,13,146,0.78589509259885038,{"$f":"IF(B149=\"\",\"\",1-(1-VLOOKUP(C149,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.6461405877054025E-3},{"$f":"IF(B149=\"\",\"\",1-(1-VLOOKUP(H149,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.48993356150008849,35.435616438356163,381994.42852223862,287421.83488426148,141287.45664658854,20450081.257500216,13471060.175808093]
["2035-03-31",65.173287671233126,65,1,4,2036,4,13,147,0.78459926312637041,{"$f":"IF(B150=\"\",\"\",1-(1-VLOOKUP(C150,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.6461405877054025E-3},{"$f":"IF(B150=\"\",\"\",1-(1-VLOOKUP(H150,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.48830428053457237,35.435616438356163,381994.42852223862,287421.83488426148,140817.60321773661,20342335.424959671,13400084.878665254]
["2035-04-30",65.256621004566455,65,1,5,2036,5,13,148,0.78330557029278491,{"$f":"IF(B151=\"\",\"\",1-(1-VLOOKUP(C151,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.6461405877054025E-3},{"$f":"IF(B151=\"\",\"\",1-(1-VLOOKUP(H151,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.48668041776587556,35.435616438356163,381994.42852223862,287421.83488426148,140349.31229308597,20234882.270846732,13329302.377270307]
["2035-05-31",65.339954337899783,65,1,6,2036,6,13,149,0.78201401057507947,{"$f":"IF(B152=\"\",\"\",1-(1-VLOOKUP(C152,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.6461405877054025E-3},{"$f":"IF(B152=\"\",\"\",1-(1-VLOOKUP(H152,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.48506195517570821,35.435616438356163,381994.42852223862,287421.83488426148,139882.57867650688,20127720.713458814,13258711.959074464]
["2035-06-30",65.423287671233112,65,1,7,2036,7,13,150,0.78072458045604887,{"$f":"IF(B153=\"\",\"\",1-(1-VLOOKUP(C153,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.6461405877054025E-3},{"$f":"IF(B153=\"\",\"\",1-(1-VLOOKUP(H153,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.48344887480570042,35.435616438356163,381994.42852223862,287421.83488426148,139417.39718914946,20020849.674511522,13188312.913780592]
["2035-07-31",65.506621004566441,65,1,8,2036,8,13,151,0.77943727642428695,{"$f":"IF(B154=\"\",\"\",1-(1-VLOOKUP(C154,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.6461405877054025E-3},{"$f":"IF(B154=\"\",\"\",1-(1-VLOOKUP(H154,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.48184115875720318,35.435616438356163,381994.42852223862,287421.83488426148,138953.76266938602,19914268.079126991,13118104.533335548]
["2035-08-31",65.589954337899769,65,1,9,2036,9,13,152,0.77815209497417726,{"$f":"IF(B155=\"\",\"\",1-(1-VLOOKUP(C155,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.6461405877054025E-3},{"$f":"IF(B155=\"\",\"\",1-(1-VLOOKUP(H155,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.4802387891910897,35.435616438356163,381994.42852223862,287421.83488426148,138491.66997275408,19807974.855822265,13048086.111922508]
["2035-09-30",65.673287671233098,65,1,10,2036,10,13,153,0.77686903260588458,{"$f":"IF(B156=\"\",\"\",1-(1-VLOOKUP(C156,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.6461405877054025E-3},{"$f":"IF(B156=\"\",\"\",1-(1-VLOOKUP(H156,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.4786417483275574,35.435616438356163,381994.42852223862,287421.83488426148,138031.11397189903,19701968.936497692,12978256.945953328]
["2035-10-31",65.756621004566426,65,1,11,2036,11,13,154,0.77558808582534344,{"$f":"IF(B157=\"\",\"\",1-(1-VLOOKUP(C157,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.6461405877054025E-3},{"$f":"IF(B157=\"\",\"\",1-(1-VLOOKUP(H157,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.47705001844593081,35.435616438356163,381994.42852223862,287421.83488426148,137572.08955651743,19596249.256425407,12908616.334060961]
["2035-11-30",65.839954337899755,65,1,12,2036,12,13,155,0.77430925114424975,{"$f":"IF(B158=\"\",\"\",1-(1-VLOOKUP(C158,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.6461405877054025E-3},{"$f":"IF(B158=\"\",\"\",1-(1-VLOOKUP(H158,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.47546358188446464,35.435616438356163,381994.42852223862,287421.83488426148,137114.59163330021,19490814.75423779,12839163.57709185]
["2035-12-31",65.923287671233084,65,1,1,2037,1,14,156,0.77303252508005138,{"$f":"IF(B159=\"\",\"\",1-(1-VLOOKUP(C159,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.6461405877054025E-3},{"$f":"IF(B159=\"\",\"\",1-(1-VLOOKUP(H159,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.47388242104014816,35.435616438356163,381994.42852223862,288858.94405868277,137341.90820150552,19385664.371916015,12769897.978098381]
["2036-01-31",66.006621004566412,66,1,2,2037,2,14,157,0.77175790415593826,{"$f":"IF(B160=\"\",\"\",1-(1-VLOOKUP(C160,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7608939552242742E-3},{"$f":"IF(B160=\"\",\"\",1-(1-VLOOKUP(H160,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.47225223023913249,35.435616438356163,381994.42852223862,288858.94405868277,136885.1757496293,19280112.633188911,12700367.994028881]
["2036-02-29",66.089954337899741,66,1,3,2037,3,14,158,0.77048538490083351,{"$f":"IF(B161=\"\",\"\",1-(1-VLOOKUP(C161,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7608939552242742E-3},{"$f":"IF(B161=\"\",\"\",1-(1-VLOOKUP(H161,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.47062764741581276,35.435616438356163,381994.42852223862,288858.94405868277,136414.28055623375,19174844.053966392,12631024.535317278]
["2036-03-31",66.173287671233069,66,1,4,2037,4,14,159,0.76921496384938248,{"$f":"IF(B162=\"\",\"\",1-(1-VLOOKUP(C162,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7608939552242742E-3},{"$f":"IF(B162=\"\",\"\",1-(1-VLOOKUP(H162,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.46900865327832836,35.435616438356163,381994.42852223862,288858.94405868277,135945.00527735375,19069873.288041841,12561877.254841233]
["2036-04-30",66.256621004566398,66,1,5,2037,5,14,160,0.76794663754194559,{"$f":"IF(B163=\"\",\"\",1-(1-VLOOKUP(C163,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7608939552242742E-3},{"$f":"IF(B163=\"\",\"\",1-(1-VLOOKUP(H163,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.46739522860118399,35.435616438356163,381994.42852223862,288858.94405868277,135477.34434036279,18965199.204688199,12492925.407758117]
["2036-05-31",66.339954337899727,66,1,6,2037,6,14,161,0.76668040252458736,{"$f":"IF(B164=\"\",\"\",1-(1-VLOOKUP(C164,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7608939552242742E-3},{"$f":"IF(B164=\"\",\"\",1-(1-VLOOKUP(H164,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.46578735422502154,35.435616438356163,381994.42852223862,288858.94405868277,135011.29219180465,18860820.676892746,12424168.251672043]
["2036-06-30",66.423287671233055,66,1,7,2037,7,14,162,0.76541625534906699,{"$f":"IF(B165=\"\",\"\",1-(1-VLOOKUP(C165,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7608939552242742E-3},{"$f":"IF(B165=\"\",\"\",1-(1-VLOOKUP(H165,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.46418501105639248,35.435616438356163,381994.42852223862,288858.94405868277,134546.84329732734,18756736.581344038,12355605.046625268]
["2036-07-31",66.506621004566384,66,1,8,2037,8,14,163,0.7641541925728299,{"$f":"IF(B166=\"\",\"\",1-(1-VLOOKUP(C166,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7608939552242742E-3},{"$f":"IF(B166=\"\",\"\",1-(1-VLOOKUP(H166,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.46258818006753127,35.435616438356163,381994.42852223862,288858.94405868277,134083.99214161752,18652945.79841888,12287235.055089599]
["2036-08-31",66.589954337899712,66,1,9,2037,9,14,164,0.7628942107589971,{"$f":"IF(B167=\"\",\"\",1-(1-VLOOKUP(C167,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7608939552242742E-3},{"$f":"IF(B167=\"\",\"\",1-(1-VLOOKUP(H167,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.46099684229612914,35.435616438356163,381994.42852223862,288858.94405868277,133622.7332283349,18549447.212169353,12219057.541957855]
["2036-09-30",66.673287671233041,66,1,10,2037,10,14,165,0.76163630647635705,{"$f":"IF(B168=\"\",\"\",1-(1-VLOOKUP(C168,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7608939552242742E-3},{"$f":"IF(B168=\"\",\"\",1-(1-VLOOKUP(H168,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.45941097884510917,35.435616438356163,381994.42852223862,288858.94405868277,133163.06108004696,18446239.710309882,12151071.774535349]
["2036-10-31",66.756621004566369,66,1,11,2037,11,14,166,0.76038047629935601,{"$f":"IF(B169=\"\",\"\",1-(1-VLOOKUP(C169,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7608939552242742E-3},{"$f":"IF(B169=\"\",\"\",1-(1-VLOOKUP(H169,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.45783057088240176,35.435616438356163,381994.42852223862,288858.94405868277,132704.9702381641,18343322.184204336,12083277.022531386]
["2036-11-30",66.839954337899698,66,1,12,2037,12,14,167,0.75912671680808785,{"$f":"IF(B170=\"\",\"\",1-(1-VLOOKUP(C170,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7608939552242742E-3},{"$f":"IF(B170=\"\",\"\",1-(1-VLOOKUP(H170,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.4562555996407211,35.435616438356163,381994.42852223862,288858.94405868277,132248.45526287449,18240693.528853185,12015672.558050809]
["2036-12-31",66.923287671233027,66,1,1,2038,1,15,168,0.75787502458828526,{"$f":"IF(B171=\"\",\"\",1-(1-VLOOKUP(C171,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7608939552242742E-3},{"$f":"IF(B171=\"\",\"\",1-(1-VLOOKUP(H171,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.45468604641734212,35.435616438356163,381994.42852223862,290303.23877897608,132452.47828674517,18138352.642880704,11948257.655585557]
["2037-01-31",67.006621004566355,67,1,2,2038,2,15,169,0.75662539623131175,{"$f":"IF(B172=\"\",\"\",1-(1-VLOOKUP(C172,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.8778548296525255E-3},{"$f":"IF(B172=\"\",\"\",1-(1-VLOOKUP(H172,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.45306880155344359,35.435616438356163,381994.42852223862,290303.23877897608,131996.83190256226,18035638.372630045,11880596.794093706]
["2037-02-28",67.089954337899684,67,1,3,2038,3,15,170,0.7553778283341499,{"$f":"IF(B173=\"\",\"\",1-(1-VLOOKUP(C173,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.8778548296525255E-3},{"$f":"IF(B173=\"\",\"\",1-(1-VLOOKUP(H173,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.45145730896844261,35.435616438356163,381994.42852223862,290303.23877897608,131527.34048067385,17933210.860332429,11813124.828361861]
["2037-03-31",67.173287671233012,67,1,4,2038,4,15,171,0.75413231749939436,{"$f":"IF(B174=\"\",\"\",1-(1-VLOOKUP(C174,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.8778548296525255E-3},{"$f":"IF(B174=\"\",\"\",1-(1-VLOOKUP(H174,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.44985154820241174,35.435616438356163,381994.42852223862,290303.23877897608,131059.51896397978,17831084.447495844,11745851.205556255]
["2037-04-30",67.256621004566341,67,1,5,2038,5,15,172,0.75288886033524038,{"$f":"IF(B175=\"\",\"\",1-(1-VLOOKUP(C175,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.8778548296525255E-3},{"$f":"IF(B175=\"\",\"\",1-(1-VLOOKUP(H175,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.44825149886819626,35.435616438356163,381994.42852223862,290303.23877897608,130593.3614128968,17729257.95874735,11678775.151424726]
["2037-05-31",67.33995433789967,67,1,6,2038,6,15,173,0.75164745345547734,{"$f":"IF(B176=\"\",\"\",1-(1-VLOOKUP(C176,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.8778548296525255E-3},{"$f":"IF(B176=\"\",\"\",1-(1-VLOOKUP(H176,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.44665714065115525,35.435616438356163,381994.42852223862,290303.23877897608,130128.86190896791,17627730.222722176,11611895.894355416]
["2037-06-30",67.423287671232998,67,1,7,2038,7,15,174,0.75040809347947723,{"$f":"IF(B177=\"\",\"\",1-(1-VLOOKUP(C177,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.8778548296525255E-3},{"$f":"IF(B177=\"\",\"\",1-(1-VLOOKUP(H177,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.4450684533089036,35.435616438356163,381994.42852223862,290303.23877897608,129666.01455478703,17526500.072049182,11545212.665367175]
["2037-07-31",67.506621004566327,67,1,8,2038,8,15,175,0.74917077703218593,{"$f":"IF(B178=\"\",\"\",1-(1-VLOOKUP(C178,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.8778548296525255E-3},{"$f":"IF(B178=\"\",\"\",1-(1-VLOOKUP(H178,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.44348541667105523,35.435616438356163,381994.42852223862,290303.23877897608,129204.81347392421,17425566.343336362,11478724.698100032]
["2037-08-31",67.589954337899655,67,1,9,2038,9,15,176,0.74793550074411441,{"$f":"IF(B179=\"\",\"\",1-(1-VLOOKUP(C179,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.8778548296525255E-3},{"$f":"IF(B179=\"\",\"\",1-(1-VLOOKUP(H179,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.44190801063896684,35.435616438356163,381994.42852223862,290303.23877897608,128745.25281085105,17324927.87715641,11412431.228805678]
["2037-09-30",67.673287671232984,67,1,10,2038,10,15,177,0.74670226125133032,{"$f":"IF(B180=\"\",\"\",1-(1-VLOOKUP(C180,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.8778548296525255E-3},{"$f":"IF(B180=\"\",\"\",1-(1-VLOOKUP(H180,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.44033621518548266,35.435616438356163,381994.42852223862,290303.23877897608,128287.32673086629,17224583.518032335,11346331.496337986]
["2037-10-31",67.756621004566313,67,1,11,2038,11,15,178,0.74547105519544676,{"$f":"IF(B181=\"\",\"\",1-(1-VLOOKUP(C181,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.8778548296525255E-3},{"$f":"IF(B181=\"\",\"\",1-(1-VLOOKUP(H181,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.43877001035468038,35.435616438356163,381994.42852223862,290303.23877897608,127831.02942002176,17124532.114423111,11280424.742143568]
["2037-11-30",67.839954337899641,67,1,12,2038,12,15,179,0.74424187922361507,{"$f":"IF(B182=\"\",\"\",1-(1-VLOOKUP(C182,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.8778548296525255E-3},{"$f":"IF(B182=\"\",\"\",1-(1-VLOOKUP(H182,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.43720937626161765,35.435616438356163,381994.42852223862,290303.23877897608,127376.35508504859,17024772.518709406,11214710.210252369]
["2037-12-31",67.92328767123297,67,1,1,2039,1,16,180,0.74301472998851459,{"$f":"IF(B183=\"\",\"\",1-(1-VLOOKUP(C183,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.8778548296525255E-3},{"$f":"IF(B183=\"\",\"\",1-(1-VLOOKUP(H183,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.4356542930920797,35.435616438356163,381994.42852223862,291754.75497287093,127557.91444304999,16925303.587179337,11149187.147268282]
["2038-01-31",68.006621004566298,68,1,2,2039,2,16,181,0.74178960414834449,{"$f":"IF(B184=\"\",\"\",1-(1-VLOOKUP(C184,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.0056432519837131E-3},{"$f":"IF(B184=\"\",\"\",1-(1-VLOOKUP(H184,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.43404916317505654,35.435616438356163,381994.42852223862,291754.75497287093,127104.21153395901,16825488.515403789,11083436.071690142]
["2038-02-28",68.089954337899627,68,1,3,2039,3,16,182,0.74056649836681354,{"$f":"IF(B185=\"\",\"\",1-(1-VLOOKUP(C185,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.0056432519837131E-3},{"$f":"IF(B185=\"\",\"\",1-(1-VLOOKUP(H185,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.43244994721800434,35.435616438356163,381994.42852223862,291754.75497287093,126635.9072483183,16725963.043158378,11017875.76370105]
["2038-03-31",68.173287671232956,68,1,4,2039,4,16,183,0.73934540931313142,{"$f":"IF(B186=\"\",\"\",1-(1-VLOOKUP(C186,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.0056432519837131E-3},{"$f":"IF(B186=\"\",\"\",1-(1-VLOOKUP(H186,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.43085662343145786,35.435616438356163,381994.42852223862,291754.75497287093,126169.32838861982,16626742.274232186,10952516.172603853]
["2038-04-30",68.256621004566284,68,1,5,2039,5,16,184,0.73812633366200009,{"$f":"IF(B187=\"\",\"\",1-(1-VLOOKUP(C187,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.0056432519837131E-3},{"$f":"IF(B187=\"\",\"\",1-(1-VLOOKUP(H187,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.42926917010623317,35.435616438356163,381994.42852223862,291754.75497287093,125704.4685976835,16527824.983591892,10887356.491433658]
["2038-05-31",68.339954337899613,68,1,6,2039,6,16,185,0.73690926809360502,{"$f":"IF(B188=\"\",\"\",1-(1-VLOOKUP(C188,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.0056432519837131E-3},{"$f":"IF(B188=\"\",\"\",1-(1-VLOOKUP(H188,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.42768756561313204,35.435616438356163,381994.42852223862,291754.75497287093,125241.32154175171,16429209.950548613,10822395.916087382]
["2038-06-30",68.423287671232941,68,1,7,2039,7,16,186,0.73569420929360485,{"$f":"IF(B189=\"\",\"\",1-(1-VLOOKUP(C189,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.0056432519837131E-3},{"$f":"IF(B189=\"\",\"\",1-(1-VLOOKUP(H189,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.42611178840264707,35.435616438356163,381994.42852223862,291754.75497287093,124779.88091040299,16330895.958741624,10757633.645313023]
["2038-07-31",68.50662100456627,68,1,8,2039,8,16,187,0.73448115395312308,{"$f":"IF(B190=\"\",\"\",1-(1-VLOOKUP(C190,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.0056432519837131E-3},{"$f":"IF(B190=\"\",\"\",1-(1-VLOOKUP(H190,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.42454181700466803,35.435616438356163,381994.42852223862,291754.75497287093,124320.14041646612,16232881.796122117,10693068.880698968]
["2038-08-31",68.589954337899599,68,1,9,2039,9,16,188,0.73327009876873939,{"$f":"IF(B191=\"\",\"\",1-(1-VLOOKUP(C191,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.0056432519837131E-3},{"$f":"IF(B191=\"\",\"\",1-(1-VLOOKUP(H191,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.42297763002818956,35.435616438356163,381994.42852223862,291754.75497287093,123862.09379593433,16135166.254937043,10628700.826663338]
["2038-09-30",68.673287671232927,68,1,10,2039,10,16,189,0.73206104044248033,{"$f":"IF(B192=\"\",\"\",1-(1-VLOOKUP(C192,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.0056432519837131E-3},{"$f":"IF(B192=\"\",\"\",1-(1-VLOOKUP(H192,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.42141920616101947,35.435616438356163,381994.42852223862,291754.75497287093,123405.7348078801,16037748.131713007,10564528.690443391]
["2038-10-31",68.756621004566256,68,1,11,2039,11,16,190,0.73085397568181054,{"$f":"IF(B193=\"\",\"\",1-(1-VLOOKUP(C193,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.0056432519837131E-3},{"$f":"IF(B193=\"\",\"\",1-(1-VLOOKUP(H193,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.41986652416948855,35.435616438356163,381994.42852223862,291754.75497287093,122951.05723437002,15940626.22724021,10500551.682084939]
["2038-11-30",68.839954337899584,68,1,12,2039,12,16,191,0.72964890119962234,{"$f":"IF(B194=\"\",\"\",1-(1-VLOOKUP(C194,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.0056432519837131E-3},{"$f":"IF(B194=\"\",\"\",1-(1-VLOOKUP(H194,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.41831956289816108,35.435616438356163,381994.42852223862,291754.75497287093,122498.05488038012,15843799.34655647,10436769.014431817]
["2038-12-31",68.923287671232913,68,{"$f":"IF(C195=\"\",\"\",IF(C195>=Retire_age,1,0))","v":1},1,2040,1,17,192,0.7284458137142299,{"$f":"IF(B195=\"\",\"\",1-(1-VLOOKUP(C195,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.0056432519837131E-3},{"$f":"IF(B195=\"\",\"\",1-(1-VLOOKUP(H195,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.41677830126954679,{"$f":"IF(B195=\"\",\"\",IF(retire_indicator=1,N194,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":35.435616438356163},{"$f":"IF(B195=\"\",\"\",IF(retire_indicator=1,O194,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":381994.42852223862},{"$f":"IF(B195=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":293213.52874773525},{"$f":"IF(B195=\"\",\"\",M194*Pension_PP)","v":122656.95518157999},{"$f":"IF(B195=\"\",0,Pension_CF+R196/(1+Disc_Rate_Month))","v":15747266.298931276},{"$f":"PVCF*current_service/except_service","v":10373179.903115392}]
[{"$f":"IF(B196=\"\",\"\",EOMONTH(A195,1))","v":"2039-01-31"},{"$f":"IF(B195=\"\",\"\", IF(B195+1/12>Max_age,\"\",B195+1/12))","v":69.006621004566242},{"$f":"IF(B196=\"\",\"\",INT(B196))","v":69},1,2,2040,2,17,{"$f":"IF(B196=\"\",\"\",I195+1)","v":193},{"$f":"IF(B196=\"\",\"\",(1+Disc_Rate_Month)^(-I196))","v":0.72724470994935708},{"$f":"IF(B196=\"\",\"\",1-(1-VLOOKUP(C196,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.140245719603584E-3},{"$f":"IF(B196=\"\",\"\",1-(1-VLOOKUP(H196,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},{"$f":"IF(B196=\"\",\"\",M195*(1-K196)*(1-L196))","v":0.41518671326317963},35.435616438356163,381994.42852223862,293213.52874773525,122205.03642073052,15650414.656391641,10309380.924111396]
["2039-02-28",69.08995433789957,69,1,{"$f":"IF(B197=\"\",\"\",IF(E196=12,1,E196+1))","v":3},{"$f":"IF(B197=\"\",\"\",IF(E196=12,F196+1,F196))","v":2040},{"$f":"IF(B197=\"\",\"\",IF(G196=12,1,G196+1))","v":3},{"$f":"IF(B197=\"\",\"\",IF(G196=12,H196+1,H196))","v":17},194,0.72604558663413032,{"$f":"IF(B197=\"\",\"\",1-(1-VLOOKUP(C197,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.140245719603584E-3},{"$f":"IF(B197=\"\",\"\",1-(1-VLOOKUP(H197,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.41360120319410981,35.435616438356163,381994.42852223862,293213.52874773525,121738.36128507103,15553855.720631553,10245774.759531533]
["2039-03-31",69.173287671232899,69,1,4,2040,4,17,195,0.72484844050306962,{"$f":"IF(B198=\"\",\"\",1-(1-VLOOKUP(C198,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.140245719603584E-3},{"$f":"IF(B198=\"\",\"\",1-(1-VLOOKUP(H198,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.41202174785198292,35.435616438356163,381994.42852223862,293213.52874773525,121273.46828285401,15457604.755826216,10182371.464329626]
["2039-04-30",69.256621004566227,69,1,5,2040,5,17,196,0.72365326829607834,{"$f":"IF(B199=\"\",\"\",1-(1-VLOOKUP(C199,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.140245719603584E-3},{"$f":"IF(B199=\"\",\"\",1-(1-VLOOKUP(H199,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.41044832411507987,35.435616438356163,381994.42852223862,293213.52874773525,120810.35060848952,15361660.485537922,10119170.197679225]
["2039-05-31",69.339954337899556,69,1,6,2040,6,17,197,0.72246006675843621,{"$f":"IF(B200=\"\",\"\",1-(1-VLOOKUP(C200,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.140245719603584E-3},{"$f":"IF(B200=\"\",\"\",1-(1-VLOOKUP(H200,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.40888090894997853,35.435616438356163,381994.42852223862,293213.52874773525,120349.00148237673,15266021.63803765,10056170.121855635]
["2039-06-30",69.423287671232885,69,1,7,2040,7,17,198,0.72126883264078889,{"$f":"IF(B201=\"\",\"\",1-(1-VLOOKUP(C201,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.140245719603584E-3},{"$f":"IF(B201=\"\",\"\",1-(1-VLOOKUP(H201,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.4073194794112166,35.435616438356163,381994.42852223862,293213.52874773525,119889.41415080465,15170686.946286812,9993370.4022238795]
["2039-07-31",69.506621004566213,69,1,8,2040,8,17,199,0.72007956269913997,{"$f":"IF(B202=\"\",\"\",1-(1-VLOOKUP(C202,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.140245719603584E-3},{"$f":"IF(B202=\"\",\"\",1-(1-VLOOKUP(H202,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.40576401264095563,35.435616438356163,381994.42852223862,293213.52874773525,119431.58188585332,15075655.147919072,9930770.2072267272]
["2039-08-31",69.589954337899542,69,1,9,2040,9,17,200,0.71889225369484222,{"$f":"IF(B203=\"\",\"\",1-(1-VLOOKUP(C203,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.140245719603584E-3},{"$f":"IF(B203=\"\",\"\",1-(1-VLOOKUP(H203,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.40421448586864633,35.435616438356163,381994.42852223862,293213.52874773525,118975.49798529525,14980924.985222217,9868368.7083727606]
["2039-09-30",69.67328767123287,69,1,10,2040,10,17,201,0.71770690239458834,{"$f":"IF(B204=\"\",\"\",1-(1-VLOOKUP(C204,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.140245719603584E-3},{"$f":"IF(B204=\"\",\"\",1-(1-VLOOKUP(H204,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.40267087641069538,35.435616438356163,381994.42852223862,293213.52874773525,118521.15577249735,14886495.205120124,9806165.0802244842]
["2039-10-31",69.756621004566199,69,1,11,2040,11,17,202,0.71652350557040201,{"$f":"IF(B205=\"\",\"\",1-(1-VLOOKUP(C205,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.140245719603584E-3},{"$f":"IF(B205=\"\",\"\",1-(1-VLOOKUP(H205,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.4011331616701333,35.435616438356163,381994.42852223862,293213.52874773525,118068.54859632318,14792364.559154771,9744158.5003864747]
["2039-11-30",69.839954337899528,69,1,12,2040,12,17,203,0.71534205999962941,{"$f":"IF(B206=\"\",\"\",1-(1-VLOOKUP(C206,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.140245719603584E-3},{"$f":"IF(B206=\"\",\"\",1-(1-VLOOKUP(H206,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.39960131913628355,35.435616438356163,381994.42852223862,293213.52874773525,117617.66983103556,14698531.80346833,9682348.1494935974]
["2039-12-31",69.923287671232856,69,1,1,2041,1,18,204,0.71416256246493093,{"$f":"IF(B207=\"\",\"\",1-(1-VLOOKUP(C207,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.140245719603584E-3},{"$f":"IF(B207=\"\",\"\",1-(1-VLOOKUP(H207,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.39807532638443327,35.435616438356163,381994.42852223862,294679.5963914739,117754.35544058059,14604995.698785314,9620733.2111992333]
["2040-01-31",70.006621004566185,70,1,2,2041,2,18,205,0.71298500975427126,{"$f":"IF(B208=\"\",\"\",1-(1-VLOOKUP(C208,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.2704763370681169E-3},{"$f":"IF(B208=\"\",\"\",1-(1-VLOOKUP(H208,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.39650340668490613,35.435616438356163,381994.42852223862,294679.5963914739,117304.67651236904,14511168.200263808,9558926.3233529963]
["2040-02-29",70.089954337899513,70,1,3,2041,3,18,206,0.7118093986609122,{"$f":"IF(B209=\"\",\"\",1-(1-VLOOKUP(C209,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.2704763370681169E-3},{"$f":"IF(B209=\"\",\"\",1-(1-VLOOKUP(H209,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.39493769418129887,35.435616438356163,381994.42852223862,294679.5963914739,116841.46384975257,14417636.159609657,9497314.0621520244]
["2040-03-31",70.173287671232842,70,1,4,2041,4,18,207,0.71063572598340141,{"$f":"IF(B210=\"\",\"\",1-(1-VLOOKUP(C210,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.2704763370681169E-3},{"$f":"IF(B210=\"\",\"\",1-(1-VLOOKUP(H210,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.39337816436263867,35.435616438356163,381994.42852223862,294679.5963914739,116380.08032112449,14324413.620882021,9435905.6788244043]
["2040-04-30",70.256621004566171,70,1,5,2041,5,18,208,0.70946398852556669,{"$f":"IF(B211=\"\",\"\",1-(1-VLOOKUP(C211,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.2704763370681169E-3},{"$f":"IF(B211=\"\",\"\",1-(1-VLOOKUP(H211,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.39182479281474153,35.435616438356163,381994.42852223862,294679.5963914739,115920.51870360125,14231499.263093542,9374700.3031975403]
["2040-05-31",70.339954337899499,70,1,6,2041,6,18,209,0.70829418309650571,{"$f":"IF(B212=\"\",\"\",1-(1-VLOOKUP(C212,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.2704763370681169E-3},{"$f":"IF(B212=\"\",\"\",1-(1-VLOOKUP(H212,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.3902775552198301,35.435616438356163,381994.42852223862,294679.5963914739,115462.77180282092,14138891.770309959,9313697.0684274659]
["2040-06-30",70.423287671232828,70,1,7,2041,7,18,210,0.70712630651057706,{"$f":"IF(B213=\"\",\"\",1-(1-VLOOKUP(C213,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.2704763370681169E-3},{"$f":"IF(B213=\"\",\"\",1-(1-VLOOKUP(H213,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.3887364273561531,35.435616438356163,381994.42852223862,294679.5963914739,115006.8324528307,14046589.831629878,9252895.1109855082]
["2040-07-31",70.506621004566156,70,1,8,2041,8,18,211,0.7059603555873919,{"$f":"IF(B214=\"\",\"\",1-(1-VLOOKUP(C214,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.2704763370681169E-3},{"$f":"IF(B214=\"\",\"\",1-(1-VLOOKUP(H214,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.38720138509760621,35.435616438356163,381994.42852223862,294679.5963914739,114552.69351597471,13954592.141164638,9192293.5706450213]
["2040-08-31",70.589954337899485,70,1,9,2041,9,18,212,0.70479632715180585,{"$f":"IF(B215=\"\",\"\",1-(1-VLOOKUP(C215,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.2704763370681169E-3},{"$f":"IF(B215=\"\",\"\",1-(1-VLOOKUP(H215,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.38567240441335415,35.435616438356163,381994.42852223862,294679.5963914739,114100.34788278225,13862897.398018237,9131891.5904681757]
["2040-09-30",70.673287671232814,70,1,10,2041,10,18,213,0.70363421803390991,{"$f":"IF(B216=\"\",\"\",1-(1-VLOOKUP(C216,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.2704763370681169E-3},{"$f":"IF(B216=\"\",\"\",1-(1-VLOOKUP(H216,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.38414946136745459,35.435616438356163,381994.42852223862,294679.5963914739,113649.7884718565,13771504.306267355,9071688.3167927843]
["2040-10-31",70.756621004566142,70,1,11,2041,11,18,214,0.70247402506902124,{"$f":"IF(B217=\"\",\"\",1-(1-VLOOKUP(C217,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.2704763370681169E-3},{"$f":"IF(B217=\"\",\"\",1-(1-VLOOKUP(H217,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.38263253211848358,35.435616438356163,381994.42852223862,294679.5963914739,113201.00822976361,13680411.574941436,9011682.8992191926]
["2040-11-30",70.839954337899471,70,1,12,2041,12,18,215,0.7013157450976758,{"$f":"IF(B218=\"\",\"\",1-(1-VLOOKUP(C218,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.2704763370681169E-3},{"$f":"IF(B218=\"\",\"\",1-(1-VLOOKUP(H218,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.38112159291916198,35.435616438356163,381994.42852223862,294679.5963914739,112754.00013092242,13589617.918002866,8951874.4905972183]
["2040-12-31",70.923287671232799,70,1,1,2042,1,19,216,0.70015937496561831,{"$f":"IF(B219=\"\",\"\",1-(1-VLOOKUP(C219,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.2704763370681169E-3},{"$f":"IF(B219=\"\",\"\",1-(1-VLOOKUP(H219,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.3796166201159839,35.435616438356163,381994.42852223862,296152.9943734312,112870.30096338171,13499122.054327225,8892262.2470131423]
["2041-01-31",71.006621004566128,71,1,2,2042,2,19,217,0.69900491152379507,{"$f":"IF(B220=\"\",\"\",1-(1-VLOOKUP(C220,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.4240293323840589E-3},{"$f":"IF(B220=\"\",\"\",1-(1-VLOOKUP(H220,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.37805939693398027,35.435616438356163,381994.42852223862,296152.9943734312,112424.59876126995,13408360.236462496,8832474.8117102571]
["2041-02-28",71.089954337899457,71,1,3,2042,3,19,218,0.69785235162834469,{"$f":"IF(B221=\"\",\"\",1-(1-VLOOKUP(C221,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.4240293323840589E-3},{"$f":"IF(B221=\"\",\"\",1-(1-VLOOKUP(H221,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.37650856162834995,35.435616438356163,381994.42852223862,296152.9943734312,111963.42245301185,13317894.956391988,8772882.7144317105]
["2041-03-31",71.173287671232785,71,1,4,2042,4,19,219,0.69670169214058919,{"$f":"IF(B222=\"\",\"\",1-(1-VLOOKUP(C222,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.4240293323840589E-3},{"$f":"IF(B222=\"\",\"\",1-(1-VLOOKUP(H222,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.37496408799542164,35.435616438356163,381994.42852223862,296152.9943734312,111504.13793346939,13227742.203534868,8713496.4878705032]
["2041-04-30",71.256621004566114,71,1,5,2042,5,19,220,0.69555292992702589,{"$f":"IF(B223=\"\",\"\",1-(1-VLOOKUP(C223,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.4240293323840589E-3},{"$f":"IF(B223=\"\",\"\",1-(1-VLOOKUP(H223,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.37342594993901373,35.435616438356163,381994.42852223862,296152.9943734312,111046.73744234686,13137900.599142078,8654315.2238047402]
["2041-05-31",71.339954337899442,71,1,6,2042,6,19,221,0.69440606185931908,{"$f":"IF(B224=\"\",\"\",1-(1-VLOOKUP(C224,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.4240293323840589E-3},{"$f":"IF(B224=\"\",\"\",1-(1-VLOOKUP(H224,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.37189412146999384,35.435616438356163,381994.42852223862,296152.9943734312,110591.21325118194,13048368.769960562,8595338.0176329054]
["2041-06-30",71.423287671232771,71,1,7,2042,7,19,222,0.69326108481429105,{"$f":"IF(B225=\"\",\"\",1-(1-VLOOKUP(C225,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.4240293323840589E-3},{"$f":"IF(B225=\"\",\"\",1-(1-VLOOKUP(H225,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.37036857670583939,35.435616438356163,381994.42852223862,296152.9943734312,110137.55766321522,12959145.348210443,8536563.9683588203]
["2041-07-31",71.506621004566099,71,1,8,2042,8,19,223,0.69211799567391341,{"$f":"IF(B226=\"\",\"\",1-(1-VLOOKUP(C226,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.4240293323840589E-3},{"$f":"IF(B226=\"\",\"\",1-(1-VLOOKUP(H226,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.36884928987020027,35.435616438356163,381994.42852223862,296152.9943734312,109685.76301326018,12870228.971562322,8477992.1785766967]
["2041-08-31",71.589954337899428,71,1,9,2042,9,19,224,0.69097679132529966,{"$f":"IF(B227=\"\",\"\",1-(1-VLOOKUP(C227,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.4240293323840589E-3},{"$f":"IF(B227=\"\",\"\",1-(1-VLOOKUP(H227,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.36733623529246351,35.435616438356163,381994.42852223862,296152.9943734312,109235.82166757352,12781618.283114646,8419621.7544562239]
["2041-09-30",71.673287671232757,71,1,10,2042,10,19,225,0.68983746866069562,{"$f":"IF(B228=\"\",\"\",1-(1-VLOOKUP(C228,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.4240293323840589E-3},{"$f":"IF(B228=\"\",\"\",1-(1-VLOOKUP(H228,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.3658293874073193,35.435616438356163,381994.42852223862,296152.9943734312,108787.72602372634,12693311.931371178,8361451.8057277286]
["2041-10-31",71.756621004566085,71,1,11,2042,11,19,226,0.68870002457747148,{"$f":"IF(B229=\"\",\"\",1-(1-VLOOKUP(C229,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.4240293323840589E-3},{"$f":"IF(B229=\"\",\"\",1-(1-VLOOKUP(H229,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.36432872075432921,35.435616438356163,381994.42852223862,296152.9943734312,108341.46851047561,12605308.570218567,8303481.4456674028]
["2041-11-30",71.839954337899414,71,1,12,2042,12,19,227,0.68756445597811311,{"$f":"IF(B230=\"\",\"\",1-(1-VLOOKUP(C230,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.4240293323840589E-3},{"$f":"IF(B230=\"\",\"\",1-(1-VLOOKUP(H230,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.36283420997749588,35.435616438356163,381994.42852223862,296152.9943734312,107897.04158763624,12517606.858903985,8245709.7910825694]
["2041-12-31",71.923287671232742,71,1,1,2043,1,20,228,0.68643075977021373,{"$f":"IF(B231=\"\",\"\",1-(1-VLOOKUP(C231,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.4240293323840589E-3},{"$f":"IF(B231=\"\",\"\",1-(1-VLOOKUP(H231,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.36134582982483471,35.435616438356163,381994.42852223862,297633.75934529834,107991.70993468346,12430205.462012885,8188135.9622970298]
["2042-01-31",72.006621004566071,72,1,2,2043,2,20,229,0.68529893286646548,{"$f":"IF(B232=\"\",\"\",1-(1-VLOOKUP(C232,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6026167366689501E-3},{"$f":"IF(B232=\"\",\"\",1-(1-VLOOKUP(H232,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.35979913188585949,35.435616438356163,381994.42852223862,297633.75934529834,107548.71775451198,12342564.889909398,8130404.5818793932]
["2042-02-28",72.0899543378994,72,1,3,2043,3,20,230,0.68416897218465156,{"$f":"IF(B233=\"\",\"\",1-(1-VLOOKUP(C233,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6026167366689501E-3},{"$f":"IF(B233=\"\",\"\",1-(1-VLOOKUP(H233,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.35825905440384542,35.435616438356163,381994.42852223862,297633.75934529834,107088.36823236317,12255223.296093509,8072870.1471096873]
["2042-03-31",72.173287671232728,72,1,4,2043,4,20,231,0.6830408746476363,{"$f":"IF(B234=\"\",\"\",1-(1-VLOOKUP(C234,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6026167366689501E-3},{"$f":"IF(B234=\"\",\"\",1-(1-VLOOKUP(H234,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.35672556904071218,35.435616438356163,381994.42852223862,297633.75934529834,106629.98918170827,12168198.560361205,8015544.4359268183]
["2042-04-30",72.256621004566057,72,1,5,2043,5,20,232,0.68191463718335843,{"$f":"IF(B235=\"\",\"\",1-(1-VLOOKUP(C235,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6026167366689501E-3},{"$f":"IF(B235=\"\",\"\",1-(1-VLOOKUP(H235,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.35519864757967728,35.435616438356163,381994.42852223862,297633.75934529834,106173.57216817794,12081489.232303485,7958426.4929044144]
["2042-05-31",72.339954337899385,72,1,6,2043,6,20,233,0.6807902567248223,{"$f":"IF(B236=\"\",\"\",1-(1-VLOOKUP(C236,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6026167366689501E-3},{"$f":"IF(B236=\"\",\"\",1-(1-VLOOKUP(H236,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.35367826192473678,35.435616438356163,381994.42852223862,297633.75934529834,105719.1087935051,11995093.867564179,7901515.3666032786]
["2042-06-30",72.423287671232714,72,1,7,2043,7,20,234,0.67966773021008875,{"$f":"IF(B237=\"\",\"\",1-(1-VLOOKUP(C237,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6026167366689501E-3},{"$f":"IF(B237=\"\",\"\",1-(1-VLOOKUP(H237,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.35216438410014839,35.435616438356163,381994.42852223862,297633.75934529834,105266.5906953705,11909011.027813783,7844810.1095541539]
["2042-07-31",72.506621004566043,72,1,8,2043,8,20,235,0.67854705458226772,{"$f":"IF(B238=\"\",\"\",1-(1-VLOOKUP(C238,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6026167366689501E-3},{"$f":"IF(B238=\"\",\"\",1-(1-VLOOKUP(H238,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.35065698624991665,35.435616438356163,381994.42852223862,297633.75934529834,104816.00954724877,11823239.280723402,7788309.7782405587]
["2042-08-31",72.589954337899371,72,1,9,2043,9,20,236,0.67742822678950909,{"$f":"IF(B239=\"\",\"\",1-(1-VLOOKUP(C239,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6026167366689501E-3},{"$f":"IF(B239=\"\",\"\",1-(1-VLOOKUP(H239,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.3491560406372804,35.435616438356163,381994.42852223862,297633.75934529834,104367.35705825528,11737777.199938815,7732013.4330817005]
["2042-09-30",72.6732876712327,72,1,10,2043,10,20,237,0.67631124378499541,{"$f":"IF(B240=\"\",\"\",1-(1-VLOOKUP(C240,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6026167366689501E-3},{"$f":"IF(B240=\"\",\"\",1-(1-VLOOKUP(H240,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.34766151964420239,35.435616438356163,381994.42852223862,297633.75934529834,103920.62497299352,11652623.365054637,7675920.1384154567]
["2042-10-31",72.756621004566028,72,1,11,2043,11,20,238,0.67519610252693263,{"$f":"IF(B241=\"\",\"\",1-(1-VLOOKUP(C241,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6026167366689501E-3},{"$f":"IF(B241=\"\",\"\",1-(1-VLOOKUP(H241,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.34617339577086104,35.435616438356163,381994.42852223862,297633.75934529834,103475.80507140324,11567776.361588597,7620028.9624814326]
["2042-11-30",72.839954337899357,72,1,12,2043,12,20,239,0.67408279997854204,{"$f":"IF(B242=\"\",\"\",1-(1-VLOOKUP(C242,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6026167366689501E-3},{"$f":"IF(B242=\"\",\"\",1-(1-VLOOKUP(H242,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.3446916416351446,35.435616438356163,381994.42852223862,297633.75934529834,103032.88916860917,11483234.780955933,7564338.9774040943]
["2042-12-31",72.923287671232686,72,1,1,2044,1,21,240,0.67297133310805246,{"$f":"IF(B243=\"\",\"\",1-(1-VLOOKUP(C243,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6026167366689501E-3},{"$f":"IF(B243=\"\",\"\",1-(1-VLOOKUP(H243,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.34321622997214712,35.435616438356163,381994.42852223862,299121.92814202479,103104.82846034429,11398997.220443876,7508849.2591759572]
["2043-01-31",73.006621004566014,73,1,2,2044,2,21,241,0.67186169888869163,{"$f":"IF(B244=\"\",\"\",1-(1-VLOOKUP(C244,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8235046522960827E-3},{"$f":"IF(B244=\"\",\"\",1-(1-VLOOKUP(H244,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.34167144884314454,35.435616438356163,381994.42852223862,299121.92814202479,102663.50047890525,11314548.476646634,7453220.4284080202]
["2043-02-28",73.089954337899343,73,1,3,2044,3,21,242,0.6707538942986776,{"$f":"IF(B245=\"\",\"\",1-(1-VLOOKUP(C245,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8235046522960827E-3},{"$f":"IF(B245=\"\",\"\",1-(1-VLOOKUP(H245,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.34013362061592256,35.435616438356163,381994.42852223862,299121.92814202479,102201.42256904057,11230402.315753648,7397790.9177532922]
["2043-03-31",73.173287671232671,73,1,4,2044,4,21,243,0.66964791632121157,{"$f":"IF(B246=\"\",\"\",1-(1-VLOOKUP(C246,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8235046522960827E-3},{"$f":"IF(B246=\"\",\"\",1-(1-VLOOKUP(H246,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.33860271399618186,35.435616438356163,381994.42852223862,299121.92814202479,101741.42442456271,11146580.021703804,7342574.7475580964]
["2043-04-30",73.256621004566,73,1,5,2044,5,21,244,0.66854376194446885,{"$f":"IF(B247=\"\",\"\",1-(1-VLOOKUP(C247,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8235046522960827E-3},{"$f":"IF(B247=\"\",\"\",1-(1-VLOOKUP(H247,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.33707869783047545,35.435616438356163,381994.42852223862,299121.92814202479,101283.49668466048,11063080.046189234,7287570.8979072422]
["2043-05-31",73.339954337899329,73,1,6,2044,6,21,245,0.66744142816159013,{"$f":"IF(B248=\"\",\"\",1-(1-VLOOKUP(C248,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8235046522960827E-3},{"$f":"IF(B248=\"\",\"\",1-(1-VLOOKUP(H248,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.33556154110557479,35.435616438356163,381994.42852223862,299121.92814202479,100827.63003065476,10979900.847721187,7232778.3533774959]
["2043-06-30",73.423287671232657,73,1,7,2044,7,21,246,0.66634091197067502,{"$f":"IF(B249=\"\",\"\",1-(1-VLOOKUP(C249,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8235046522960827E-3},{"$f":"IF(B249=\"\",\"\",1-(1-VLOOKUP(H249,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.33405121294783879,35.435616438356163,381994.42852223862,299121.92814202479,100373.81518580884,10897040.891599093,7178196.1030171858]
["2043-07-31",73.506621004565986,73,1,8,2044,8,21,247,0.66524221037477205,{"$f":"IF(B250=\"\",\"\",1-(1-VLOOKUP(C250,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8235046522960827E-3},{"$f":"IF(B250=\"\",\"\",1-(1-VLOOKUP(H250,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.33254768262258544,35.435616438356163,381994.42852223862,299121.92814202479,99922.042915139653,10814498.649879744,7123823.1403259179]
["2043-08-31",73.589954337899314,73,1,9,2044,9,21,248,0.66414532038187124,{"$f":"IF(B251=\"\",\"\",1-(1-VLOOKUP(C251,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8235046522960827E-3},{"$f":"IF(B251=\"\",\"\",1-(1-VLOOKUP(H251,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.33105091953346638,35.435616438356163,381994.42852223862,299121.92814202479,99472.304025229867,10732272.60134666,7069658.4632343864]
["2043-09-30",73.673287671232643,73,1,10,2044,10,21,249,0.66305023900489712,{"$f":"IF(B252=\"\",\"\",1-(1-VLOOKUP(C252,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8235046522960827E-3},{"$f":"IF(B252=\"\",\"\",1-(1-VLOOKUP(H252,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.32956089322184423,35.435616438356163,381994.42852223862,299121.92814202479,99024.589364040759,10650361.231479539,7015701.0740842493]
["2043-10-31",73.756621004565972,73,1,11,2044,11,21,250,0.66195696326169839,{"$f":"IF(B253=\"\",\"\",1-(1-VLOOKUP(C253,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8235046522960827E-3},{"$f":"IF(B253=\"\",\"\",1-(1-VLOOKUP(H253,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.32807757336617294,35.435616438356163,381994.42852223862,299121.92814202479,98578.889820725992,10568763.032423882,6961949.9796081241]
["2043-11-30",73.8399543378993,73,1,12,2044,12,21,251,0.66086549017504093,{"$f":"IF(B254=\"\",\"\",1-(1-VLOOKUP(C254,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8235046522960827E-3},{"$f":"IF(B254=\"\",\"\",1-(1-VLOOKUP(H254,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.32660092978138044,35.435616438356163,381994.42852223862,299121.92814202479,98135.196325446246,10487476.50296074,6908404.1909096576]
["2043-12-31",73.923287671232629,73,1,1,2045,1,22,252,0.65977581677260011,{"$f":"IF(B255=\"\",\"\",1-(1-VLOOKUP(C255,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8235046522960827E-3},{"$f":"IF(B255=\"\",\"\",1-(1-VLOOKUP(H255,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.3251309324182548,35.435616438356163,381994.42852223862,300617.53778273484,98181.967348430466,10406500.148476601,6855062.723443687]
["2044-01-31",74.006621004565957,74,1,2,2045,2,22,253,0.65868794008695208,{"$f":"IF(B256=\"\",\"\",1-(1-VLOOKUP(C256,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.0458435213726043E-3},{"$f":"IF(B256=\"\",\"\",1-(1-VLOOKUP(H256,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.32359538371982982,35.435616438356163,381994.42852223862,300617.53778273484,97740.060360580523,10325343.206690365,6801602.2978971647]
["2044-02-29",74.089954337899286,74,1,3,2045,3,22,254,0.65760185715556629,{"$f":"IF(B257=\"\",\"\",1-(1-VLOOKUP(C257,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.0458435213726043E-3},{"$f":"IF(B257=\"\",\"\",1-(1-VLOOKUP(H257,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.32206708720681737,35.435616438356163,381994.42852223862,300617.53778273484,97278.447491714527,10244494.864449723,6748345.1557995705]
["2044-03-31",74.173287671232615,74,1,4,2045,4,22,255,0.6565175650207955,{"$f":"IF(B258=\"\",\"\",1-(1-VLOOKUP(C258,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.0458435213726043E-3},{"$f":"IF(B258=\"\",\"\",1-(1-VLOOKUP(H258,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.3205460086281427,35.435616438356163,381994.42852223862,300617.53778273484,96819.014756970777,10163975.369858794,6695304.6351628983]
["2044-04-30",74.256621004565943,74,{"$f":"IF(C259=\"\",\"\",IF(C259>=Retire_age,1,0))","v":1},5,2045,5,22,256,0.65543506072987123,{"$f":"IF(B259=\"\",\"\",1-(1-VLOOKUP(C259,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.0458435213726043E-3},{"$f":"IF(B259=\"\",\"\",1-(1-VLOOKUP(H259,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.3190321138944941,{"$f":"IF(B259=\"\",\"\",IF(retire_indicator=1,N258,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":35.435616438356163},{"$f":"IF(B259=\"\",\"\",IF(retire_indicator=1,O258,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":381994.42852223862},{"$f":"IF(B259=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":300617.53778273484},{"$f":"IF(B259=\"\",\"\",M258*Pension_PP)","v":96361.751859875541},{"$f":"IF(B259=\"\",0,Pension_CF+R260/(1+Disc_Rate_Month))","v":10083783.082301417},{"$f":"PVCF*current_service/except_service","v":6642479.6552658174}]
[{"$f":"IF(B260=\"\",\"\",EOMONTH(A259,1))","v":"2044-05-31"},{"$f":"IF(B259=\"\",\"\", IF(B259+1/12>Max_age,\"\",B259+1/12))","v":74.339954337899272},{"$f":"IF(B260=\"\",\"\",INT(B260))","v":74},1,6,2045,6,22,{"$f":"IF(B260=\"\",\"\",I259+1)","v":257},{"$f":"IF(B260=\"\",\"\",(1+Disc_Rate_Month)^(-I260))","v":0.65435434133489212},{"$f":"IF(B260=\"\",\"\",1-(1-VLOOKUP(C260,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.0458435213726043E-3},{"$f":"IF(B260=\"\",\"\",1-(1-VLOOKUP(H260,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},{"$f":"IF(B260=\"\",\"\",M259*(1-K260)*(1-L260))","v":0.31752536907755913},35.435616438356163,381994.42852223862,300617.53778273484,95906.648552583851,10003916.368765298,6589869.1403958825]
["2044-06-30",74.4232876712326,74,1,{"$f":"IF(B261=\"\",\"\",IF(E260=12,1,E260+1))","v":7},{"$f":"IF(B261=\"\",\"\",IF(E260=12,F260+1,F260))","v":2045},{"$f":"IF(B261=\"\",\"\",IF(G260=12,1,G260+1))","v":7},{"$f":"IF(B261=\"\",\"\",IF(G260=12,H260+1,H260))","v":22},258,0.65327540389281846,{"$f":"IF(B261=\"\",\"\",1-(1-VLOOKUP(C261,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.0458435213726043E-3},{"$f":"IF(B261=\"\",\"\",1-(1-VLOOKUP(H261,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.31602574040926396,35.435616438356163,381994.42852223862,300617.53778273484,95453.694635649954,9924373.6038058624,6537472.0198257267]
["2044-07-31",74.506621004565929,74,1,8,2045,8,22,259,0.65219824546546257,{"$f":"IF(B262=\"\",\"\",1-(1-VLOOKUP(C262,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.0458435213726043E-3},{"$f":"IF(B262=\"\",\"\",1-(1-VLOOKUP(H262,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.31453319428101689,35.435616438356163,381994.42852223862,300617.53778273484,95002.879957798665,9845153.1695102695,6485287.2277893545]
["2044-08-31",74.589954337899258,74,1,9,2045,9,22,260,0.65112286311948164,{"$f":"IF(B263=\"\",\"\",1-(1-VLOOKUP(C263,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.0458435213726043E-3},{"$f":"IF(B263=\"\",\"\",1-(1-VLOOKUP(H263,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.31304769724295484,35.435616438356163,381994.42852223862,300617.53778273484,94554.194415697872,9766253.4554616082,6433313.7034585513]
["2044-09-30",74.673287671232586,74,1,10,2045,10,22,261,0.6500492539263697,{"$f":"IF(B264=\"\",\"\",1-(1-VLOOKUP(C264,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.0458435213726043E-3},{"$f":"IF(B264=\"\",\"\",1-(1-VLOOKUP(H264,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.31156921600319398,35.435616438356163,381994.42852223862,300617.53778273484,94107.62795373211,9687672.8587032501,6381550.3909194134]
["2044-10-31",74.756621004565915,74,1,11,2045,11,22,262,0.64897741496244932,{"$f":"IF(B265=\"\",\"\",1-(1-VLOOKUP(C265,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.0458435213726043E-3},{"$f":"IF(B265=\"\",\"\",1-(1-VLOOKUP(H265,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.31009771742708331,35.435616438356163,381994.42852223862,300617.53778273484,93663.170563777239,9609409.7837033756,6329996.2391489688]
["2044-11-30",74.839954337899243,74,1,12,2045,12,22,263,0.64790734330886357,{"$f":"IF(B266=\"\",\"\",1-(1-VLOOKUP(C266,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.0458435213726043E-3},{"$f":"IF(B266=\"\",\"\",1-(1-VLOOKUP(H266,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.30863316853646239,35.435616438356163,381994.42852223862,300617.53778273484,93220.812284976055,9531462.6423196699,6278650.2019919278]
["2044-12-31",74.923287671232572,74,1,1,2046,1,23,264,0.64683903605156856,{"$f":"IF(B267=\"\",\"\",1-(1-VLOOKUP(C267,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.0458435213726043E-3},{"$f":"IF(B267=\"\",\"\",1-(1-VLOOKUP(H267,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.30717553650892193,35.435616438356163,381994.42852223862,302120.62547164847,93244.445919532707,9453829.8537641801,6227511.2381375302]
["2045-01-31",75.006621004565901,75,1,2,2046,2,23,265,0.64577249028132555,{"$f":"IF(B268=\"\",\"\",1-(1-VLOOKUP(C268,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.4390235711324602E-3},{"$f":"IF(B268=\"\",\"\",1-(1-VLOOKUP(H268,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.30560421654559816,35.435616438356163,381994.42852223862,302120.62547164847,92804.065219664684,9376045.175679272,6176272.2202557139]
["2045-02-28",75.089954337899229,75,1,3,2046,3,23,266,0.64470770309369207,{"$f":"IF(B269=\"\",\"\",1-(1-VLOOKUP(C269,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.4390235711324602E-3},{"$f":"IF(B269=\"\",\"\",1-(1-VLOOKUP(H269,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.30404093448286762,35.435616438356163,381994.42852223862,302120.62547164847,92329.337049529218,9298573.1378988586,6125239.1475876197]
["2045-03-31",75.173287671232558,75,1,4,2046,4,23,267,0.64364467158901517,{"$f":"IF(B270=\"\",\"\",1-(1-VLOOKUP(C270,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.4390235711324602E-3},{"$f":"IF(B270=\"\",\"\",1-(1-VLOOKUP(H270,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.30248564920380483,35.435616438356163,381994.42852223862,302120.62547164847,91857.037294948459,9221448.6609717309,6074435.0233090417]
["2045-04-30",75.256621004565886,75,1,5,2046,5,23,268,0.64258339287242239,{"$f":"IF(B271=\"\",\"\",1-(1-VLOOKUP(C271,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.4390235711324602E-3},{"$f":"IF(B271=\"\",\"\",1-(1-VLOOKUP(H271,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.3009383198018129,35.435616438356163,381994.42852223862,302120.62547164847,91387.153533651159,9144669.8864966147,6023858.6232372941]
["2045-05-31",75.339954337899215,75,1,6,2046,6,23,269,0.64152386405381556,{"$f":"IF(B272=\"\",\"\",1-(1-VLOOKUP(C272,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.4390235711324602E-3},{"$f":"IF(B272=\"\",\"\",1-(1-VLOOKUP(H272,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.2993989055795479,35.435616438356163,381994.42852223862,302120.62547164847,90919.67340691069,9068234.9654457234,5973508.7293642778]
["2045-06-30",75.423287671232544,75,1,7,2046,7,23,270,0.64046608224786106,{"$f":"IF(B273=\"\",\"\",1-(1-VLOOKUP(C273,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.4390235711324602E-3},{"$f":"IF(B273=\"\",\"\",1-(1-VLOOKUP(H273,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.29786736604784836,35.435616438356163,381994.42852223862,302120.62547164847,90454.584619220041,8992142.0581165869,5923384.1298247501]
["2045-07-31",75.506621004565872,75,1,8,2046,8,23,271,0.63941004457398265,{"$f":"IF(B274=\"\",\"\",1-(1-VLOOKUP(C274,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.4390235711324602E-3},{"$f":"IF(B274=\"\",\"\",1-(1-VLOOKUP(H274,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.29634366092467018,35.435616438356163,381994.42852223862,302120.62547164847,89991.874937968416,8916389.3340841327,5873483.6188647607]
["2045-08-31",75.589954337899201,75,1,9,2046,9,23,272,0.63835574815635432,{"$f":"IF(B275=\"\",\"\",1-(1-VLOOKUP(C275,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.4390235711324602E-3},{"$f":"IF(B275=\"\",\"\",1-(1-VLOOKUP(H275,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.29482775013402729,35.435616438356163,381994.42852223862,302120.62547164847,89531.532193119463,8840974.9721530061,5823805.9968102379]
["2045-09-30",75.673287671232529,75,1,10,2046,10,23,273,0.63730319012389158,{"$f":"IF(B276=\"\",\"\",1-(1-VLOOKUP(C276,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.4390235711324602E-3},{"$f":"IF(B276=\"\",\"\",1-(1-VLOOKUP(H276,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.29331959380493766,35.435616438356163,381994.42852223862,302120.62547164847,89073.544276891218,8765897.160310138,5774350.0700357491]
["2045-10-31",75.756621004565858,75,1,11,2046,11,23,274,0.63625236761024406,{"$f":"IF(B277=\"\",\"\",1-(1-VLOOKUP(C277,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.4390235711324602E-3},{"$f":"IF(B277=\"\",\"\",1-(1-VLOOKUP(H277,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.29181915227037447,35.435616438356163,381994.42852223862,302120.62547164847,88617.899143437637,8691154.0956775472,5725114.6509334091]
["2045-11-30",75.839954337899186,75,1,12,2046,12,23,275,0.63520327775378749,{"$f":"IF(B278=\"\",\"\",1-(1-VLOOKUP(C278,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.4390235711324602E-3},{"$f":"IF(B278=\"\",\"\",1-(1-VLOOKUP(H278,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.29032638606622285,35.435616438356163,381994.42852223862,302120.62547164847,88164.584808531756,8616743.9844653979,5676098.5578819541]
["2045-12-31",75.923287671232515,75,1,1,2047,1,24,276,0.63415591769761603,{"$f":"IF(B279=\"\",\"\",1-(1-VLOOKUP(C279,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.4390235711324602E-3},{"$f":"IF(B279=\"\",\"\",1-(1-VLOOKUP(H279,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.28884125593024196,35.435616438356163,381994.42852223862,303631.2285990066,88152.15729599676,8542665.0419252813,5627300.615215973]
["2046-01-31",76.006621004565844,76,1,2,2047,2,24,277,0.63311028458953456,{"$f":"IF(B280=\"\",\"\",1-(1-VLOOKUP(C280,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.7473855113724364E-3},{"$f":"IF(B280=\"\",\"\",1-(1-VLOOKUP(H280,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.28727480497541652,35.435616438356163,381994.42852223862,303631.2285990066,87701.225408179467,8468476.2000263818,5578430.2786628092]
["2046-02-28",76.089954337899172,76,1,3,2047,3,24,278,0.63206637558205092,{"$f":"IF(B281=\"\",\"\",1-(1-VLOOKUP(C281,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.7473855113724364E-3},{"$f":"IF(B281=\"\",\"\",1-(1-VLOOKUP(H281,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.28571684923567381,35.435616438356163,381994.42852223862,303631.2285990066,87225.601980225736,8394616.5058618821,5529776.7612450309]
["2046-03-31",76.173287671232501,76,1,4,2047,4,24,279,0.63102418783236758,{"$f":"IF(B282=\"\",\"\",1-(1-VLOOKUP(C282,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.7473855113724364E-3},{"$f":"IF(B282=\"\",\"\",1-(1-VLOOKUP(H282,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.28416734263955579,35.435616438356163,381994.42852223862,303631.2285990066,86752.557964864784,8321111.2353662504,5481356.7129519451]
["2046-04-30",76.256621004565829,76,1,5,2047,5,24,280,0.62998371850237467,{"$f":"IF(B283=\"\",\"\",1-(1-VLOOKUP(C283,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.7473855113724364E-3},{"$f":"IF(B283=\"\",\"\",1-(1-VLOOKUP(H283,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.28262623936546039,35.435616438356163,381994.42852223862,303631.2285990066,86282.079373363202,8247958.3902262859,5433168.8174368301]
["2046-05-31",76.339954337899158,76,1,6,2047,6,24,281,0.62894496475864248,{"$f":"IF(B284=\"\",\"\",1-(1-VLOOKUP(C284,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.7473855113724364E-3},{"$f":"IF(B284=\"\",\"\",1-(1-VLOOKUP(H284,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.28109349384028631,35.435616438356163,381994.42852223862,303631.2285990066,85814.152292851664,8175155.9828402521,5385211.7654089183]
["2046-06-30",76.423287671232487,76,1,7,2047,7,24,282,0.62790792377241245,{"$f":"IF(B285=\"\",\"\",1-(1-VLOOKUP(C285,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.7473855113724364E-3},{"$f":"IF(B285=\"\",\"\",1-(1-VLOOKUP(H285,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.27956906073808546,35.435616438356163,381994.42852223862,303631.2285990066,85348.762885913427,8102702.0362595739,5337484.2545949882]
["2046-07-31",76.506621004565815,76,1,8,2047,8,24,283,0.6268725927195905,{"$f":"IF(B286=\"\",\"\",1-(1-VLOOKUP(C286,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.7473855113724364E-3},{"$f":"IF(B286=\"\",\"\",1-(1-VLOOKUP(H286,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.27805289497872254,35.435616438356163,381994.42852223862,303631.2285990066,84885.897390175189,8030594.5841308534,5289984.9897011658]
["2046-08-31",76.589954337899144,76,1,9,2047,9,24,284,0.6258389687807393,{"$f":"IF(B287=\"\",\"\",1-(1-VLOOKUP(C287,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.7473855113724364E-3},{"$f":"IF(B287=\"\",\"\",1-(1-VLOOKUP(H287,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.27654495172654192,35.435616438356163,381994.42852223862,303631.2285990066,84425.542117900084,7958831.6706382036,5242712.6823749412]
["2046-09-30",76.673287671232472,76,1,10,2047,10,24,285,0.62480704914106988,{"$f":"IF(B288=\"\",\"\",1-(1-VLOOKUP(C288,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.7473855113724364E-3},{"$f":"IF(B288=\"\",\"\",1-(1-VLOOKUP(H288,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.27504518638904174,35.435616438356163,381994.42852223862,303631.2285990066,83967.683455582897,7887411.3504458936,5195666.0511673903]
["2046-10-31",76.756621004565801,76,1,11,2047,11,24,286,0.62377683099043535,{"$f":"IF(B289=\"\",\"\",1-(1-VLOOKUP(C289,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.7473855113724364E-3},{"$f":"IF(B289=\"\",\"\",1-(1-VLOOKUP(H289,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.27355355461555542,35.435616438356163,381994.42852223862,303631.2285990066,83512.30786354751,7816331.6886412995,5148843.8214955833]
["2046-11-30",76.83995433789913,76,1,12,2047,12,24,287,0.62274831152332077,{"$f":"IF(B290=\"\",\"\",1-(1-VLOOKUP(C290,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.7473855113724364E-3},{"$f":"IF(B290=\"\",\"\",1-(1-VLOOKUP(H290,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.27207001229593986,35.435616438356163,381994.42852223862,303631.2285990066,83059.401875546537,7745590.7606781712,5102244.725605228]
["2046-12-31",76.923287671232458,76,1,1,2048,1,25,288,0.62172148793883897,{"$f":"IF(B291=\"\",\"\",1-(1-VLOOKUP(C291,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.7473855113724364E-3},{"$f":"IF(B291=\"\",\"\",1-(1-VLOOKUP(H291,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.27059451555927122,35.435616438356163,381994.42852223862,305149.38474200171,83021.996858854895,7675186.6523202006,5055867.5025334861]
["2047-01-31",77.006621004565787,77,1,2,2048,2,25,289,0.62069635744071994,{"$f":"IF(B292=\"\",\"\",1-(1-VLOOKUP(C292,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.1614114806676206E-3},{"$f":"IF(B292=\"\",\"\",1-(1-VLOOKUP(H292,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.26901517607169723,35.435616438356163,381994.42852223862,305149.38474200171,82571.749937471628,7604703.732647405,5009438.3641685396]
["2047-02-28",77.089954337899115,77,1,3,2048,3,25,290,0.61967291723730433,{"$f":"IF(B293=\"\",\"\",1-(1-VLOOKUP(C293,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.1614114806676206E-3},{"$f":"IF(B293=\"\",\"\",1-(1-VLOOKUP(H293,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.26744505448424155,35.435616438356163,381994.42852223862,305149.38474200171,82089.815464539672,7534555.395243153,4963229.6248238496]
["2047-03-31",77.173287671232444,77,1,4,2048,4,25,291,0.61865116454153646,{"$f":"IF(B294=\"\",\"\",1-(1-VLOOKUP(C294,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.1614114806676206E-3},{"$f":"IF(B294=\"\",\"\",1-(1-VLOOKUP(H294,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.26588409699613302,35.435616438356163,381994.42852223862,305149.38474200171,81610.69382815744,7464773.9325833796,4917262.5564875826]
["2047-04-30",77.256621004565773,77,1,5,2048,5,25,292,0.61763109657095538,{"$f":"IF(B295=\"\",\"\",1-(1-VLOOKUP(C295,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.1614114806676206E-3},{"$f":"IF(B295=\"\",\"\",1-(1-VLOOKUP(H295,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.26433225012061135,35.435616438356163,381994.42852223862,305149.38474200171,81134.368611052691,7395357.1331093749,4871535.7023420343]
["2047-05-31",77.339954337899101,77,1,6,2048,6,25,293,0.6166127105476884,{"$f":"IF(B296=\"\",\"\",1-(1-VLOOKUP(C296,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.1614114806676206E-3},{"$f":"IF(B296=\"\",\"\",1-(1-VLOOKUP(H296,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.26278946068309467,35.435616438356163,381994.42852223862,305149.38474200171,80660.823491773466,7326302.7980542472,4826047.6139958398]
["2047-06-30",77.42328767123243,77,1,7,2048,7,25,294,0.61559600369844336,{"$f":"IF(B297=\"\",\"\",1-(1-VLOOKUP(C297,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.1614114806676206E-3},{"$f":"IF(B297=\"\",\"\",1-(1-VLOOKUP(H297,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.26125567581935755,35.435616438356163,381994.42852223862,305149.38474200171,80190.042244128781,7257608.7413680693,4780796.8514346648]
["2047-07-31",77.506621004565758,77,1,8,2048,8,25,295,0.61458097325450034,{"$f":"IF(B298=\"\",\"\",1-(1-VLOOKUP(C298,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.1614114806676206E-3},{"$f":"IF(B298=\"\",\"\",1-(1-VLOOKUP(H298,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.25973084297371929,35.435616438356163,381994.42852223862,305149.38474200171,79722.008736632808,7189272.7896434665,4735781.9829721926]
["2047-08-31",77.589954337899087,77,1,9,2048,9,25,296,0.61356761645170488,{"$f":"IF(B299=\"\",\"\",1-(1-VLOOKUP(C299,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.1614114806676206E-3},{"$f":"IF(B299=\"\",\"\",1-(1-VLOOKUP(H299,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.25821490989724338,35.435616438356163,381994.42852223862,305149.38474200171,79256.706931951892,7121292.7820416316,4691001.5852013845]
["2047-09-30",77.673287671232416,77,1,10,2048,10,25,297,0.61255593053046042,{"$f":"IF(B300=\"\",\"\",1-(1-VLOOKUP(C300,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.1614114806676206E-3},{"$f":"IF(B300=\"\",\"\",1-(1-VLOOKUP(H300,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.25670782464594694,35.435616438356163,381994.42852223862,305149.38474200171,78794.120886355231,7053666.5702187791,4646454.2429460334]
["2047-10-31",77.756621004565744,77,1,11,2048,11,25,298,0.61154591273572034,{"$f":"IF(B301=\"\",\"\",1-(1-VLOOKUP(C301,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.1614114806676206E-3},{"$f":"IF(B301=\"\",\"\",1-(1-VLOOKUP(H301,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.25520953557902104,35.435616438356163,381994.42852223862,305149.38474200171,78334.234749168376,6986392.0182530191,4602138.5492125964]
["2047-11-30",77.839954337899073,77,1,12,2048,12,25,299,0.61053756031698092,{"$f":"IF(B302=\"\",\"\",1-(1-VLOOKUP(C302,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.1614114806676206E-3},{"$f":"IF(B302=\"\",\"\",1-(1-VLOOKUP(H302,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.25371999135706103,35.435616438356163,381994.42852223862,305149.38474200171,77877.032762230272,6919467.0025716703,4558053.1051423103]
["2047-12-31",77.923287671232401,77,1,1,2049,1,26,300,0.60953087052827326,{"$f":"IF(B303=\"\",\"\",1-(1-VLOOKUP(C303,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.1614114806676206E-3},{"$f":"IF(B303=\"\",\"\",1-(1-VLOOKUP(H303,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.25223914094030758,35.435616438356163,381994.42852223862,306675.13166571164,77809.611755649908,6852889.4118789826,4514196.5199635793]
["2048-01-31",78.00662100456573,78,1,2,2049,2,26,301,0.6085258406281564,{"$f":"IF(B304=\"\",\"\",1-(1-VLOOKUP(C304,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.5429134385608361E-3},{"$f":"IF(B304=\"\",\"\",1-(1-VLOOKUP(H304,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.25067086573288871,35.435616438356163,381994.42852223862,306675.13166571164,77355.471759114822,6786269.3952402342,4470311.987586733]
["2048-02-29",78.089954337899059,78,1,3,2049,3,26,302,0.60752246787970998,{"$f":"IF(B305=\"\",\"\",1-(1-VLOOKUP(C305,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.5429134385608361E-3},{"$f":"IF(B305=\"\",\"\",1-(1-VLOOKUP(H305,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.24911234114195638,35.435616438356163,381994.42852223862,306675.13166571164,76874.520753391567,6719994.2402733332,4426654.6255704965]
["2048-03-31",78.173287671232387,78,1,4,2049,4,26,303,0.60652074955052582,{"$f":"IF(B306=\"\",\"\",1-(1-VLOOKUP(C306,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.5429134385608361E-3},{"$f":"IF(B306=\"\",\"\",1-(1-VLOOKUP(H306,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.24756350654388956,35.435616438356163,381994.42852223862,306675.13166571164,76396.560019263154,6654091.3718351182,4383242.499461513]
["2048-04-30",78.256621004565716,78,1,5,2049,5,26,304,0.60552068291270111,{"$f":"IF(B307=\"\",\"\",1-(1-VLOOKUP(C307,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.5429134385608361E-3},{"$f":"IF(B307=\"\",\"\",1-(1-VLOOKUP(H307,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.24602430169198936,35.435616438356163,381994.42852223862,306675.13166571164,75921.57096497259,6588558.4095767876,4340074.0412551593]
["2048-05-31",78.339954337899044,78,1,6,2049,6,26,305,0.6045222652428317,{"$f":"IF(B308=\"\",\"\",1-(1-VLOOKUP(C308,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.5429134385608361E-3},{"$f":"IF(B308=\"\",\"\",1-(1-VLOOKUP(H308,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.24449466671413556,35.435616438356163,381994.42852223862,306675.13166571164,75449.535114355604,6523392.9878406636,4297147.6926242812]
["2048-06-30",78.423287671232373,78,1,7,2049,7,26,306,0.60352549382200305,{"$f":"IF(B309=\"\",\"\",1-(1-VLOOKUP(C309,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.5429134385608361E-3},{"$f":"IF(B309=\"\",\"\",1-(1-VLOOKUP(H309,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.24297454211045771,35.435616438356163,381994.42852223862,306675.13166571164,74980.4341061218,6458592.7555686701,4254461.9048589049]
["2048-07-31",78.506621004565702,78,1,8,2049,8,26,307,0.60253036593578435,{"$f":"IF(B310=\"\",\"\",1-(1-VLOOKUP(C310,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.5429134385608361E-3},{"$f":"IF(B310=\"\",\"\",1-(1-VLOOKUP(H310,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.24146386875102074,35.435616438356163,381994.42852223862,306675.13166571164,74514.24969314062,6394155.3762113834,4212015.1388063235]
["2048-08-31",78.58995433789903,78,1,9,2049,9,26,308,0.60153687887422014,{"$f":"IF(B311=\"\",\"\",1-(1-VLOOKUP(C311,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.5429134385608361E-3},{"$f":"IF(B311=\"\",\"\",1-(1-VLOOKUP(H311,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.23996258787352487,35.435616438356163,381994.42852223862,306675.13166571164,74050.963741731408,6330078.5276376465,4169805.8648115629]
["2048-09-30",78.673287671232359,78,1,10,2049,10,26,309,0.60054502993182368,{"$f":"IF(B312=\"\",\"\",1-(1-VLOOKUP(C312,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.5429134385608361E-3},{"$f":"IF(B312=\"\",\"\",1-(1-VLOOKUP(H312,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.23847064108101981,35.435616438356163,381994.42852223862,306675.13166571164,73590.558230958137,6266359.9020447424,4127832.5626582038]
["2048-10-31",78.756621004565687,78,1,11,2049,11,26,310,0.5995548164075688,{"$f":"IF(B313=\"\",\"\",1-(1-VLOOKUP(C313,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.5429134385608361E-3},{"$f":"IF(B313=\"\",\"\",1-(1-VLOOKUP(H313,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.23698797033963334,35.435616438356163,381994.42852223862,306675.13166571164,73133.015251928417,6202997.2058691317,4086093.721509588]
["2048-11-30",78.839954337899016,78,1,12,2049,12,26,311,0.59856623560488309,{"$f":"IF(B314=\"\",\"\",1-(1-VLOOKUP(C314,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.5429134385608361E-3},{"$f":"IF(B314=\"\",\"\",1-(1-VLOOKUP(H314,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.2355145179763139,35.435616438356163,381994.42852223862,306675.13166571164,72678.317007096819,6139988.1596977375,4044587.8398503736]
["2048-12-31",78.923287671232345,78,1,1,2050,1,27,312,0.59757928483164013,{"$f":"IF(B315=\"\",\"\",1-(1-VLOOKUP(C315,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":4.5429134385608361E-3},{"$f":"IF(B315=\"\",\"\",1-(1-VLOOKUP(H315,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.23405022667658706,35.435616438356163,381994.42852223862,308208.50732404017,72587.57803862053,6077330.4981797859,4003313.4254284664]
["2049-01-31",79.006621004565673,79,1,2,2050,2,27,313,0.59659396140015319,{"$f":"IF(B316=\"\",\"\",1-(1-VLOOKUP(C316,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.0467741798151389E-3},{"$f":"IF(B316=\"\",\"\",1-(1-VLOOKUP(H316,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.23247730913454162,35.435616438356163,381994.42852223862,308208.50732404017,72136.271002844151,6014660.2412709082,3962030.7140581519]
["2049-02-28",79.089954337899002,79,1,3,2050,3,27,314,0.59561026262716643,{"$f":"IF(B317=\"\",\"\",1-(1-VLOOKUP(C317,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.0467741798151389E-3},{"$f":"IF(B317=\"\",\"\",1-(1-VLOOKUP(H317,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.23091496227054767,35.435616438356163,381994.42852223862,308208.50732404017,71651.484435066523,5952338.5317435721,3920977.6009320579]
["2049-03-31",79.17328767123233,79,1,4,2050,4,27,315,0.59462818583384858,{"$f":"IF(B318=\"\",\"\",1-(1-VLOOKUP(C318,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.0467741798151389E-3},{"$f":"IF(B318=\"\",\"\",1-(1-VLOOKUP(H318,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.22936311504513143,35.435616438356163,381994.42852223862,308208.50732404017,71169.955840192546,5890399.4800782846,3880176.5556105608]
["2049-04-30",79.256621004565659,79,1,5,2050,5,27,316,0.59364772834578516,{"$f":"IF(B319=\"\",\"\",1-(1-VLOOKUP(C319,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.0467741798151389E-3},{"$f":"IF(B319=\"\",\"\",1-(1-VLOOKUP(H319,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.22782169689623474,35.435616438356163,381994.42852223862,308208.50732404017,70691.663323252054,5828840.4549119053,3839625.8447386296]
["2049-05-31",79.339954337898988,79,1,6,2050,6,27,317,0.59266888749297197,{"$f":"IF(B320=\"\",\"\",1-(1-VLOOKUP(C320,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.0467741798151389E-3},{"$f":"IF(B320=\"\",\"\",1-(1-VLOOKUP(H320,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.22629063773600669,35.435616438356163,381994.42852223862,308208.50732404017,70216.58513641842,5767658.8424665155,3799323.7465451309]
["2049-06-30",79.423287671232316,79,1,7,2050,7,27,318,0.59169166060980694,{"$f":"IF(B321=\"\",\"\",1-(1-VLOOKUP(C321,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.0467741798151389E-3},{"$f":"IF(B321=\"\",\"\",1-(1-VLOOKUP(H321,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.22476986794761658,35.435616438356163,381994.42852223862,308208.50732404017,69744.699678019737,5706852.0464310739,3759268.5507648643]
["2049-07-31",79.506621004565645,79,1,8,2050,8,27,319,0.59071604503508246,{"$f":"IF(B322=\"\",\"\",1-(1-VLOOKUP(C322,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.0467741798151389E-3},{"$f":"IF(B322=\"\",\"\",1-(1-VLOOKUP(H322,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.22325931838208862,35.435616438356163,381994.42852223862,308208.50732404017,69275.985491556523,5646417.4878438683,3719458.5585611379]
["2049-08-31",79.589954337898973,79,{"$f":"IF(C323=\"\",\"\",IF(C323>=Retire_age,1,0))","v":1},9,2050,9,27,320,0.58974203811198045,{"$f":"IF(B323=\"\",\"\",1-(1-VLOOKUP(C323,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.0467741798151389E-3},{"$f":"IF(B323=\"\",\"\",1-(1-VLOOKUP(H323,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.22175892035515768,{"$f":"IF(B323=\"\",\"\",IF(retire_indicator=1,N322,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":35.435616438356163},{"$f":"IF(B323=\"\",\"\",IF(retire_indicator=1,O322,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":381994.42852223862},{"$f":"IF(B323=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":308208.50732404017},{"$f":"IF(B323=\"\",\"\",M322*Pension_PP)","v":68810.421264726174},{"$f":"IF(B323=\"\",0,Pension_CF+R324/(1+Disc_Rate_Month))","v":5586352.6049757609},{"$f":"PVCF*current_service/except_service","v":3679892.0824488546}]
[{"$f":"IF(B324=\"\",\"\",EOMONTH(A323,1))","v":"2049-09-30"},{"$f":"IF(B323=\"\",\"\", IF(B323+1/12>Max_age,\"\",B323+1/12))","v":79.673287671232302},{"$f":"IF(B324=\"\",\"\",INT(B324))","v":79},1,10,2050,10,27,{"$f":"IF(B324=\"\",\"\",I323+1)","v":321},{"$f":"IF(B324=\"\",\"\",(1+Disc_Rate_Month)^(-I324))","v":0.5887696371880623},{"$f":"IF(B324=\"\",\"\",1-(1-VLOOKUP(C324,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.0467741798151389E-3},{"$f":"IF(B324=\"\",\"\",1-(1-VLOOKUP(H324,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},{"$f":"IF(B324=\"\",\"\",M323*(1-K324)*(1-L324))","v":0.22026860564414624},35.435616438356163,381994.42852223862,308208.50732404017,68347.98582845385,5526654.853214208,3640567.4462181116]
["2049-10-31",79.756621004565631,79,1,{"$f":"IF(B325=\"\",\"\",IF(E324=12,1,E324+1))","v":11},{"$f":"IF(B325=\"\",\"\",IF(E324=12,F324+1,F324))","v":2050},{"$f":"IF(B325=\"\",\"\",IF(G324=12,1,G324+1))","v":11},{"$f":"IF(B325=\"\",\"\",IF(G324=12,H324+1,H324))","v":27},322,0.58779883961526325,{"$f":"IF(B325=\"\",\"\",1-(1-VLOOKUP(C325,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.0467741798151389E-3},{"$f":"IF(B325=\"\",\"\",1-(1-VLOOKUP(H325,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.2187883064848623,35.435616438356163,381994.42852223862,308208.50732404017,67888.658155929967,5467321.7049480714,3601482.9848583248]
["2049-11-30",79.839954337898959,79,1,12,2050,12,27,323,0.58682964274988503,{"$f":"IF(B326=\"\",\"\",1-(1-VLOOKUP(C326,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.0467741798151389E-3},{"$f":"IF(B326=\"\",\"\",1-(1-VLOOKUP(H326,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.21731795556851827,35.435616438356163,381994.42852223862,308208.50732404017,67432.417361654036,5408350.6494531929,3562637.0444828519]
["2049-12-31",79.923287671232288,79,1,1,2051,1,28,324,0.58586204395258823,{"$f":"IF(B327=\"\",\"\",1-(1-VLOOKUP(C327,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.0467741798151389E-3},{"$f":"IF(B327=\"\",\"\",1-(1-VLOOKUP(H327,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.21585748603867025,35.435616438356163,381994.42852223862,309749.54986066034,67314.13891398751,5349739.1927787457,3524027.9822541303]
["2050-01-31",80.006621004565616,80,1,2,2051,2,28,325,0.58489604058838529,{"$f":"IF(B328=\"\",\"\",1-(1-VLOOKUP(C328,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.4923728345798173E-3},{"$f":"IF(B328=\"\",\"\",1-(1-VLOOKUP(H328,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.21431080748101486,35.435616438356163,381994.42852223862,309749.54986066034,66861.75913453188,5291149.4083125163,3485433.1961359708]
["2050-02-28",80.089954337898945,80,1,3,2051,3,28,326,0.58393163002663351,{"$f":"IF(B329=\"\",\"\",1-(1-VLOOKUP(C329,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.4923728345798173E-3},{"$f":"IF(B329=\"\",\"\",1-(1-VLOOKUP(H329,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.21277521130277846,35.435616438356163,381994.42852223862,309749.54986066034,66382.676147518985,5232915.9849752197,3447073.1554035004]
["2050-03-31",80.173287671232274,80,1,4,2051,4,28,327,0.58296880964102782,{"$f":"IF(B330=\"\",\"\",1-(1-VLOOKUP(C330,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.4923728345798173E-3},{"$f":"IF(B330=\"\",\"\",1-(1-VLOOKUP(H330,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.21125061809564899,35.435616438356163,381994.42852223862,309749.54986066034,65907.025922542511,5175066.2586363088,3408965.8669847962]
["2050-04-30",80.256621004565602,80,1,5,2051,5,28,328,0.58200757680959303,{"$f":"IF(B331=\"\",\"\",1-(1-VLOOKUP(C331,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.4923728345798173E-3},{"$f":"IF(B331=\"\",\"\",1-(1-VLOOKUP(H331,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.20973694902029685,35.435616438356163,381994.42852223862,309749.54986066034,65434.783862913544,5117597.4245710494,3371109.4833265301]
["2050-05-31",80.339954337898931,80,1,6,2051,6,28,329,0.58104792891467816,{"$f":"IF(B332=\"\",\"\",1-(1-VLOOKUP(C332,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.4923728345798173E-3},{"$f":"IF(B332=\"\",\"\",1-(1-VLOOKUP(H332,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.20823412580229811,35.435616438356163,381994.42852223862,309749.54986066034,64965.925548185216,5060506.6980597889,3333502.1700533018]
["2050-06-30",80.423287671232259,80,1,7,2051,7,28,330,0.58008986334294754,{"$f":"IF(B333=\"\",\"\",1-(1-VLOOKUP(C333,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.4923728345798173E-3},{"$f":"IF(B333=\"\",\"\",1-(1-VLOOKUP(H333,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.20674207072808665,35.435616438356163,381994.42852223862,309749.54986066034,64500.426732889959,5003791.314244464,3296142.1058731126]
["2050-07-31",80.506621004565588,80,1,8,2051,8,28,331,0.57913337748537475,{"$f":"IF(B334=\"\",\"\",1-(1-VLOOKUP(C334,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.4923728345798173E-3},{"$f":"IF(B334=\"\",\"\",1-(1-VLOOKUP(H334,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.20526070664093557,35.435616438356163,381994.42852223862,309749.54986066034,64038.263345285639,4947448.5279861325,3259027.4824835206]
["2050-08-31",80.589954337898916,80,1,9,2051,9,28,332,0.57817846873723544,{"$f":"IF(B335=\"\",\"\",1-(1-VLOOKUP(C335,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.4923728345798173E-3},{"$f":"IF(B335=\"\",\"\",1-(1-VLOOKUP(H335,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.20378995693696722,35.435616438356163,381994.42852223862,309749.54986066034,63579.411486110846,4891475.6137235332,3222156.5044784681]
["2050-09-30",80.673287671232245,80,1,10,2051,10,28,333,0.57722513449809998,{"$f":"IF(B336=\"\",\"\",1-(1-VLOOKUP(C336,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.4923728345798173E-3},{"$f":"IF(B336=\"\",\"\",1-(1-VLOOKUP(H336,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.20232974556119196,35.435616438356163,381994.42852223862,309749.54986066034,63123.847427348948,4835869.86533265,3185527.3892557737]
["2050-10-31",80.756621004565574,80,1,11,2051,11,28,334,0.57627337217182673,{"$f":"IF(B337=\"\",\"\",1-(1-VLOOKUP(C337,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.4923728345798173E-3},{"$f":"IF(B337=\"\",\"\",1-(1-VLOOKUP(H337,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.20087999700357509,35.435616438356163,381994.42852223862,309749.54986066034,62671.547611001151,4780628.5959872883,3149138.3669252899]
["2050-11-30",80.839954337898902,80,1,12,2051,12,28,335,0.57532317916655384,{"$f":"IF(B338=\"\",\"\",1-(1-VLOOKUP(C338,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.4923728345798173E-3},{"$f":"IF(B338=\"\",\"\",1-(1-VLOOKUP(H338,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.19944063629513226,35.435616438356163,381994.42852223862,309749.54986066034,62222.48864786818,4725749.1380206486,3112987.6802177154]
["2050-12-31",80.923287671232231,80,1,1,2052,1,29,336,0.57437455289469408,{"$f":"IF(B339=\"\",\"\",1-(1-VLOOKUP(C339,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":5.4923728345798173E-3},{"$f":"IF(B339=\"\",\"\",1-(1-VLOOKUP(H339,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.19801158900405258,35.435616438356163,381994.42852223862,311298.29760996357,62085.530552922581,4671228.8427878916,3077073.5843940652]
["2051-01-31",81.006621004565559,81,1,2,2052,2,29,337,0.57342749077292654,{"$f":"IF(B340=\"\",\"\",1-(1-VLOOKUP(C340,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.05699927972847E-3},{"$f":"IF(B340=\"\",\"\",1-(1-VLOOKUP(H340,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.19648116672012875,35.435616438356163,381994.42852223862,311298.29760996357,61640.670564005348,4616755.6871473268,3041190.5407836111]
["2051-02-28",81.089954337898888,81,1,3,2052,3,29,338,0.57248199022218949,{"$f":"IF(B341=\"\",\"\",1-(1-VLOOKUP(C341,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.05699927972847E-3},{"$f":"IF(B341=\"\",\"\",1-(1-VLOOKUP(H341,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.19496257299825481,35.435616438356163,381994.42852223862,311298.29760996357,61164.252712395508,4562638.1593728065,3005541.7595373676]
["2051-03-31",81.173287671232217,81,1,4,2052,4,29,339,0.57153804866767399,{"$f":"IF(B342=\"\",\"\",1-(1-VLOOKUP(C342,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.05699927972847E-3},{"$f":"IF(B342=\"\",\"\",1-(1-VLOOKUP(H342,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.19345571641602949,35.435616438356163,381994.42852223862,311298.29760996357,60691.517072014976,4508908.4567957334,2970148.4499690467]
["2051-04-30",81.256621004565545,81,1,5,2052,5,29,340,0.57059566353881652,{"$f":"IF(B343=\"\",\"\",1-(1-VLOOKUP(C343,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.05699927972847E-3},{"$f":"IF(B343=\"\",\"\",1-(1-VLOOKUP(H343,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.19196050625765096,35.435616438356163,381994.42852223862,311298.29760996357,60222.435183225862,4455563.5316482512,2935008.6044257847]
["2051-05-31",81.339954337898874,81,1,6,2052,6,29,341,0.56965483226929214,{"$f":"IF(B344=\"\",\"\",1-(1-VLOOKUP(C344,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.05699927972847E-3},{"$f":"IF(B344=\"\",\"\",1-(1-VLOOKUP(H344,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.19047685250845553,35.435616438356163,381994.42852223862,311298.29760996357,59756.978806353502,4402600.3596355086,2900120.2307170662]
["2051-06-30",81.423287671232202,81,1,7,2052,7,29,342,0.56871555229700721,{"$f":"IF(B345=\"\",\"\",1-(1-VLOOKUP(C345,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.05699927972847E-3},{"$f":"IF(B345=\"\",\"\",1-(1-VLOOKUP(H345,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.18900466584949868,35.435616438356163,381994.42852223862,311298.29760996357,59295.119919986326,4350015.9397541005,2865481.3519951245]
["2051-07-31",81.506621004565531,81,1,8,2052,8,29,343,0.5677778210640928,{"$f":"IF(B346=\"\",\"\",1-(1-VLOOKUP(C346,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.05699927972847E-3},{"$f":"IF(B346=\"\",\"\",1-(1-VLOOKUP(H346,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.18754385765217782,35.435616438356163,381994.42852223862,311298.29760996357,58836.830719288962,4297807.2941119121,2831090.006636268]
["2051-08-31",81.58995433789886,81,1,9,2052,9,29,344,0.5668416360168973,{"$f":"IF(B347=\"\",\"\",1-(1-VLOOKUP(C347,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.05699927972847E-3},{"$f":"IF(B347=\"\",\"\",1-(1-VLOOKUP(H347,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.18609433997289668,35.435616438356163,381994.42852223862,311298.29760996357,58382.083614328294,4245971.4677493544,2796944.2481231252]
["2051-09-30",81.673287671232188,81,1,10,2052,10,29,345,0.56590699460598015,{"$f":"IF(B348=\"\",\"\",1-(1-VLOOKUP(C348,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.05699927972847E-3},{"$f":"IF(B348=\"\",\"\",1-(1-VLOOKUP(H348,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.18465602554777086,35.435616438356163,381994.42852223862,311298.29760996357,57930.851228412532,4194505.5284619834,2763042.144927795]
["2051-10-31",81.756621004565517,81,1,11,2052,11,29,346,0.56497389428610423,{"$f":"IF(B349=\"\",\"\",1-(1-VLOOKUP(C349,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.05699927972847E-3},{"$f":"IF(B349=\"\",\"\",1-(1-VLOOKUP(H349,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.18322882778737448,35.435616438356163,381994.42852223862,311298.29760996357,57483.106396443007,4143406.5666244868,2729381.7803959046]
["2051-11-30",81.839954337898845,81,1,12,2052,12,29,347,0.56404233251622893,{"$f":"IF(B350=\"\",\"\",1-(1-VLOOKUP(C350,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.05699927972847E-3},{"$f":"IF(B350=\"\",\"\",1-(1-VLOOKUP(H350,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.18181266077152725,35.435616438356163,381994.42852223862,311298.29760996357,57038.822163278863,4092671.6950160335,2695961.2526315609]
["2051-12-31",81.923287671232174,81,1,1,2053,1,30,348,0.56311230675950386,{"$f":"IF(B351=\"\",\"\",1-(1-VLOOKUP(C351,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.05699927972847E-3},{"$f":"IF(B351=\"\",\"\",1-(1-VLOOKUP(H351,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.18040743924412192,35.435616438356163,381994.42852223862,312854.78909801331,56880.961641024791,4042298.048646973,2662778.6743831923]
["2052-01-31",82.006621004565503,82,1,2,2053,2,30,349,0.56218381448326116,{"$f":"IF(B352=\"\",\"\",1-(1-VLOOKUP(C352,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.651204426691204E-3},{"$f":"IF(B352=\"\",\"\",1-(1-VLOOKUP(H352,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.17890605990309075,35.435616438356163,381994.42852223862,312854.78909801331,56441.331356432413,3991999.3273472004,2629645.4514456587]
["2052-02-29",82.089954337898831,82,1,3,2053,3,30,350,0.56125685315900931,{"$f":"IF(B353=\"\",\"\",1-(1-VLOOKUP(C353,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.651204426691204E-3},{"$f":"IF(B353=\"\",\"\",1-(1-VLOOKUP(H353,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.17741717527921269,35.435616438356163,381994.42852223862,312854.78909801331,55971.617639337994,3942057.8899895689,2596747.5817775726]
["2052-03-31",82.17328767123216,82,1,4,2053,4,30,351,0.56033142026242533,{"$f":"IF(B354=\"\",\"\",1-(1-VLOOKUP(C354,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.651204426691204E-3},{"$f":"IF(B354=\"\",\"\",1-(1-VLOOKUP(H354,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.17594068138946861,35.435616438356163,381994.42852223862,312854.78909801331,55505.812954343346,3892504.4597752932,2564105.3036404438]
["2052-04-30",82.256621004565488,82,1,5,2053,5,30,352,0.55940751327334926,{"$f":"IF(B355=\"\",\"\",1-(1-VLOOKUP(C355,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.651204426691204E-3},{"$f":"IF(B355=\"\",\"\",1-(1-VLOOKUP(H355,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.17447647511620262,35.435616438356163,381994.42852223862,312854.78909801331,55043.884769862954,3843335.7620415324,2531716.4599191169]
["2052-05-31",82.339954337898817,82,1,6,2053,6,30,353,0.55848512967577635,{"$f":"IF(B356=\"\",\"\",1-(1-VLOOKUP(C356,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.651204426691204E-3},{"$f":"IF(B356=\"\",\"\",1-(1-VLOOKUP(H356,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.17302445419992024,35.435616438356163,381994.42852223862,312854.78909801331,54585.800825044338,3794548.5493023875,2499578.9114006762]
["2052-06-30",82.423287671232146,82,1,7,2053,7,30,354,0.55756426695784989,{"$f":"IF(B357=\"\",\"\",1-(1-VLOOKUP(C357,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.651204426691204E-3},{"$f":"IF(B357=\"\",\"\",1-(1-VLOOKUP(H357,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.17158451723214679,35.435616438356163,381994.42852223862,312854.78909801331,54131.529127514907,3746139.6010226062,2467690.5366253755]
["2052-07-31",82.506621004565474,82,1,8,2053,8,30,355,0.55664492261185539,{"$f":"IF(B358=\"\",\"\",1-(1-VLOOKUP(C358,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.651204426691204E-3},{"$f":"IF(B358=\"\",\"\",1-(1-VLOOKUP(H358,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.17015656364834497,35.435616438356163,381994.42852223862,312854.78909801331,53681.037951147715,3698105.723393172,2436049.2317388146]
["2052-08-31",82.589954337898803,82,1,9,2053,9,30,356,0.55572709413421284,{"$f":"IF(B359=\"\",\"\",1-(1-VLOOKUP(C359,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.651204426691204E-3},{"$f":"IF(B359=\"\",\"\",1-(1-VLOOKUP(H359,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.16874049372089153,35.435616438356163,381994.42852223862,312854.78909801331,53234.295833845645,3650443.7491087569,2404652.9103453388]
["2052-09-30",82.673287671232131,82,1,10,2053,10,30,357,0.55481077902547049,{"$f":"IF(B360=\"\",\"\",1-(1-VLOOKUP(C360,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.651204426691204E-3},{"$f":"IF(B360=\"\",\"\",1-(1-VLOOKUP(H360,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.16733620855211237,35.435616438356163,381994.42852223862,312854.78909801331,52791.271575344159,3603150.5371470307,2373499.5033626645]
["2052-10-31",82.75662100456546,82,1,11,2053,11,30,358,0.55389597479029806,{"$f":"IF(B361=\"\",\"\",1-(1-VLOOKUP(C361,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.651204426691204E-3},{"$f":"IF(B361=\"\",\"\",1-(1-VLOOKUP(H361,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.16594361006737546,35.435616438356163,381994.42852223862,312854.78909801331,52351.934235032284,3556222.972549804,2342586.958877712]
["2052-11-30",82.839954337898789,82,1,12,2053,12,30,359,0.55298267893747921,{"$f":"IF(B362=\"\",\"\",1-(1-VLOOKUP(C362,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.651204426691204E-3},{"$f":"IF(B362=\"\",\"\",1-(1-VLOOKUP(H362,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.16456260100824152,35.435616438356163,381994.42852223862,312854.78909801331,51916.253129791708,3509657.9662059923,2311913.2420036383]
["2052-12-31",82.923287671232117,82,1,1,2054,1,31,360,0.55207088897990542,{"$f":"IF(B363=\"\",\"\",1-(1-VLOOKUP(C363,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":6.651204426691204E-3},{"$f":"IF(B363=\"\",\"\",1-(1-VLOOKUP(H363,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.16319308492567131,35.435616438356163,381994.42852223862,314419.06304350332,51741.618821013173,3463452.4546363866,2281476.3347380557]
["2053-01-31",83.006621004565446,83,1,2,2054,2,31,361,0.55116060243456944,{"$f":"IF(B364=\"\",\"\",1-(1-VLOOKUP(C364,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.3583398986097892E-3},{"$f":"IF(B364=\"\",\"\",1-(1-VLOOKUP(H364,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.16171976067277705,35.435616438356163,381994.42852223862,314419.06304350332,51311.016857508439,3417345.5536393644,2251104.3851095862]
["2053-02-28",83.089954337898774,83,1,3,2054,3,31,362,0.55025181682255775,{"$f":"IF(B365=\"\",\"\",1-(1-VLOOKUP(C365,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.3583398986097892E-3},{"$f":"IF(B365=\"\",\"\",1-(1-VLOOKUP(H365,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.16025973774545765,35.435616438356163,381994.42852223862,314419.06304350332,50847.775626354152,3371593.8164844224,2220966.3921793168]
["2053-03-31",83.173287671232103,83,1,4,2054,4,31,363,0.54934452966904423,{"$f":"IF(B366=\"\",\"\",1-(1-VLOOKUP(C366,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.3583398986097892E-3},{"$f":"IF(B366=\"\",\"\",1-(1-VLOOKUP(H366,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.15881289605795357,35.435616438356163,381994.42852223862,314419.06304350332,50388.716585524358,3326230.5229275748,2191084.2782853669]
["2053-04-30",83.256621004565432,83,1,5,2054,5,31,364,0.54843873850328329,{"$f":"IF(B367=\"\",\"\",1-(1-VLOOKUP(C367,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.3583398986097892E-3},{"$f":"IF(B367=\"\",\"\",1-(1-VLOOKUP(H367,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.15737911660865195,35.435616438356163,381994.42852223862,314419.06304350332,49933.801977767042,3281252.1254174537,2161455.7065530159]
["2053-05-31",83.33995433789876,83,1,6,2054,6,31,365,0.54753444085860392,{"$f":"IF(B368=\"\",\"\",1-(1-VLOOKUP(C368,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.3583398986097892E-3},{"$f":"IF(B368=\"\",\"\",1-(1-VLOOKUP(H368,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.15595828147029903,35.435616438356163,381994.42852223862,314419.06304350332,49482.994386706596,3236655.1083632316,2132078.3611608734]
["2053-06-30",83.423287671232089,83,1,7,2054,7,31,366,0.54663163427240169,{"$f":"IF(B369=\"\",\"\",1-(1-VLOOKUP(C369,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.3583398986097892E-3},{"$f":"IF(B369=\"\",\"\",1-(1-VLOOKUP(H369,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.15455027378030065,35.435616438356163,381994.42852223862,314419.06304350332,49036.256733766386,3192435.9878459703,2102949.9471507398]
["2053-07-31",83.506621004565417,83,1,8,2054,8,31,367,0.54573031628613256,{"$f":"IF(B370=\"\",\"\",1-(1-VLOOKUP(C370,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.3583398986097892E-3},{"$f":"IF(B370=\"\",\"\",1-(1-VLOOKUP(H370,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.15315497773111036,35.435616438356163,381994.42852223862,314419.06304350332,48593.552275119044,3148591.3113325699,2074068.1902391757]
["2053-08-31",83.589954337898746,83,1,9,2054,9,31,368,0.54483048444530646,{"$f":"IF(B371=\"\",\"\",1-(1-VLOOKUP(C371,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.3583398986097892E-3},{"$f":"IF(B371=\"\",\"\",1-(1-VLOOKUP(H371,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.15177227856070433,35.435616438356163,381994.42852223862,314419.06304350332,48154.844598664335,3105117.6573923049,2045430.8366307744]
["2053-09-30",83.673287671232075,83,1,10,2054,10,31,369,0.54393213629948078,{"$f":"IF(B372=\"\",\"\",1-(1-VLOOKUP(C372,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.3583398986097892E-3},{"$f":"IF(B372=\"\",\"\",1-(1-VLOOKUP(H372,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.15040206254314231,35.435616438356163,381994.42852223862,314419.06304350332,47720.097621034241,3062011.6354159159,2017035.6528331225]
["2053-10-31",83.756621004565403,83,1,11,2054,11,31,370,0.54303526940225277,{"$f":"IF(B373=\"\",\"\",1-(1-VLOOKUP(C373,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.3583398986097892E-3},{"$f":"IF(B373=\"\",\"\",1-(1-VLOOKUP(H373,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.1490442169792138,35.435616438356163,381994.42852223862,314419.06304350332,47289.275584625189,3019269.8853372401,1988880.4254734255]
["2053-11-30",83.839954337898732,83,1,12,2054,12,31,371,0.54213988131125379,{"$f":"IF(B374=\"\",\"\",1-(1-VLOOKUP(C374,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.3583398986097892E-3},{"$f":"IF(B374=\"\",\"\",1-(1-VLOOKUP(H374,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.1476986301871685,35.435616438356163,381994.42852223862,314419.06304350332,46862.343054657009,2976889.0773573518,1960962.9611167959]
["2053-12-31",83.92328767123206,83,1,1,2055,1,32,372,0.54124596958814242,{"$f":"IF(B375=\"\",\"\",1-(1-VLOOKUP(C375,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":7.3583398986097892E-3},{"$f":"IF(B375=\"\",\"\",1-(1-VLOOKUP(H375,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.14636519149353067,35.435616438356163,381994.42852223862,315991.15835872077,46671.461240839701,2934865.9116711956,1933281.0860861752]
["2054-01-31",84.006621004565389,84,1,2,2055,2,32,373,0.54035353179859724,{"$f":"IF(B376=\"\",\"\",1-(1-VLOOKUP(C376,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.238176311440415E-3},{"$f":"IF(B376=\"\",\"\",1-(1-VLOOKUP(H376,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.14491523042093582,35.435616438356163,381994.42852223862,315991.15835872077,46250.106403436737,2892964.5383809963,1905679.4392304076]
["2054-02-28",84.089954337898718,84,1,3,2055,3,32,374,0.53946256551231131,{"$f":"IF(B377=\"\",\"\",1-(1-VLOOKUP(C377,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.238176311440415E-3},{"$f":"IF(B377=\"\",\"\",1-(1-VLOOKUP(H377,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.14347963333127017,35.435616438356163,381994.42852223862,315991.15835872077,45791.93152453244,2851416.0123053202,1878310.2230432448]
["2054-03-31",84.173287671232046,84,1,4,2055,4,32,375,0.53857306830298446,{"$f":"IF(B378=\"\",\"\",1-(1-VLOOKUP(C378,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.238176311440415E-3},{"$f":"IF(B378=\"\",\"\",1-(1-VLOOKUP(H378,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.14205825792829591,35.435616438356163,381994.42852223862,315991.15835872077,45338.295537232581,2810257.7970528225,1851198.115887587]
["2054-04-30",84.256621004565375,84,1,5,2055,5,32,376,0.53768503774831677,{"$f":"IF(B379=\"\",\"\",1-(1-VLOOKUP(C379,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.238176311440415E-3},{"$f":"IF(B379=\"\",\"\",1-(1-VLOOKUP(H379,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.14065096332542737,35.435616438356163,381994.42852223862,315991.15835872077,44889.153477184154,2769485.9908656077,1824340.5475626241]
["2054-05-31",84.339954337898703,84,1,6,2055,6,32,377,0.5367984714300037,{"$f":"IF(B380=\"\",\"\",1-(1-VLOOKUP(C380,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.238176311440415E-3},{"$f":"IF(B380=\"\",\"\",1-(1-VLOOKUP(H380,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.13925761003176637,35.435616438356163,381994.42852223862,315991.15835872077,44444.460825471746,2729096.7305803252,1797734.9732908902]
["2054-06-30",84.423287671232032,84,1,7,2055,7,32,378,0.53591336693372682,{"$f":"IF(B381=\"\",\"\",1-(1-VLOOKUP(C381,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.238176311440415E-3},{"$f":"IF(B381=\"\",\"\",1-(1-VLOOKUP(H381,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.13787805993827587,35.435616438356163,381994.42852223862,315991.15835872077,44004.173504204868,2689086.1912457384,1771378.8734663439]
["2054-07-31",84.506621004565361,84,1,8,2055,8,32,379,0.53502972184914932,{"$f":"IF(B382=\"\",\"\",1-(1-VLOOKUP(C382,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.238176311440415E-3},{"$f":"IF(B382=\"\",\"\",1-(1-VLOOKUP(H382,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.13651217630409065,35.435616438356163,381994.42852223862,315991.15835872077,43568.247872148924,2649450.5857440806,1745269.7534049456]
["2054-08-31",84.589954337898689,84,1,9,2055,9,32,380,0.53414753376990809,{"$f":"IF(B383=\"\",\"\",1-(1-VLOOKUP(C383,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.238176311440415E-3},{"$f":"IF(B383=\"\",\"\",1-(1-VLOOKUP(H383,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.13515982374296356,35.435616438356163,381994.42852223862,315991.15835872077,43136.640720399519,2610186.1644161651,1719405.1430977059]
["2054-09-30",84.673287671232018,84,1,10,2055,10,32,381,0.53326680029360829,{"$f":"IF(B384=\"\",\"\",1-(1-VLOOKUP(C384,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.238176311440415E-3},{"$f":"IF(B384=\"\",\"\",1-(1-VLOOKUP(H384,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.13382086820984598,35.435616438356163,381994.42852223862,315991.15835872077,42709.309268099591,2571289.2146902047,1693782.5969661779]
["2054-10-31",84.756621004565346,84,1,11,2055,11,32,382,0.53238751902181636,{"$f":"IF(B385=\"\",\"\",1-(1-VLOOKUP(C385,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.238176311440415E-3},{"$f":"IF(B385=\"\",\"\",1-(1-VLOOKUP(H385,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.13249517698760141,35.435616438356163,381994.42852223862,315991.15835872077,42286.211158198945,2532756.0607143114,1668399.6936203754]
["2054-11-30",84.839954337898675,84,1,12,2055,12,32,383,0.53150968756005257,{"$f":"IF(B386=\"\",\"\",1-(1-VLOOKUP(C386,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.238176311440415E-3},{"$f":"IF(B386=\"\",\"\",1-(1-VLOOKUP(H386,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.13118261867385045,35.435616438356163,381994.42852223862,315991.15835872077,41867.304453255892,2494583.0629926356,1643254.0356190859]
["2054-12-31",84.923287671232004,84,{"$f":"IF(C387=\"\",\"\",IF(C387>=Retire_age,1,0))","v":1},1,2056,1,33,384,0.53063330351778648,{"$f":"IF(B387=\"\",\"\",1-(1-VLOOKUP(C387,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":8.238176311440415E-3},{"$f":"IF(B387=\"\",\"\",1-(1-VLOOKUP(H387,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.12988306316794626,{"$f":"IF(B387=\"\",\"\",IF(retire_indicator=1,N386,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":35.435616438356163},{"$f":"IF(B387=\"\",\"\",IF(retire_indicator=1,O386,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":381994.42852223862},{"$f":"IF(B387=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":317571.11415051436},{"$f":"IF(B387=\"\",\"\",M386*Pension_PP)","v":41659.81036943676},{"$f":"IF(B387=\"\",0,Pension_CF+R388/(1+Disc_Rate_Month))","v":2456766.6180251082},{"$f":"PVCF*current_service/except_service","v":1618343.2492325595}]
[{"$f":"IF(B388=\"\",\"\",EOMONTH(A387,1))","v":"2055-01-31"},{"$f":"IF(B387=\"\",\"\", IF(B387+1/12>Max_age,\"\",B387+1/12))","v":85.006621004565332},{"$f":"IF(B388=\"\",\"\",INT(B388))","v":85},1,2,2056,2,33,{"$f":"IF(B388=\"\",\"\",I387+1)","v":385},{"$f":"IF(B388=\"\",\"\",(1+Disc_Rate_Month)^(-I388))","v":0.5297583645084285},{"$f":"IF(B388=\"\",\"\",1-(1-VLOOKUP(C388,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.1389148568212786E-3},{"$f":"IF(B388=\"\",\"\",1-(1-VLOOKUP(H388,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},{"$f":"IF(B388=\"\",\"\",M387*(1-K388)*(1-L388))","v":0.12847958777169496},35.435616438356163,381994.42852223862,317571.11415051436,41247.10907952633,2419095.552901336,1593528.2287551712]
["2055-02-28",85.089954337898661,85,1,{"$f":"IF(B389=\"\",\"\",IF(E388=12,1,E388+1))","v":3},{"$f":"IF(B389=\"\",\"\",IF(E388=12,F388+1,F388))","v":2056},{"$f":"IF(B389=\"\",\"\",IF(G388=12,1,G388+1))","v":3},{"$f":"IF(B389=\"\",\"\",IF(G388=12,H388+1,H388))","v":33},386,0.52888486814932456,{"$f":"IF(B389=\"\",\"\",1-(1-VLOOKUP(C389,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.1389148568212786E-3},{"$f":"IF(B389=\"\",\"\",1-(1-VLOOKUP(H389,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.12709127788771171,35.435616438356163,381994.42852223862,317571.11415051436,40801.405834255973,2381775.653850426,1568944.5315297381]
["2055-03-31",85.173287671231989,85,1,4,2056,4,33,387,0.52801281206174899,{"$f":"IF(B390=\"\",\"\",1-(1-VLOOKUP(C390,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.1389148568212786E-3},{"$f":"IF(B390=\"\",\"\",1-(1-VLOOKUP(H390,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.1257179696422564,35.435616438356163,381994.42852223862,317571.11415051436,40360.518717613239,2344840.5573124704,1544614.3148525013]
["2055-04-30",85.256621004565318,85,1,5,2056,5,33,388,0.52714219387089867,{"$f":"IF(B391=\"\",\"\",1-(1-VLOOKUP(C391,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.1389148568212786E-3},{"$f":"IF(B391=\"\",\"\",1-(1-VLOOKUP(H391,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.12435950093235677,35.435616438356163,381994.42852223862,317571.11415051436,39924.395688031909,2308286.0747372489,1520534.8196042494]
["2055-05-31",85.339954337898646,85,1,6,2056,6,33,389,0.52627301120588588,{"$f":"IF(B392=\"\",\"\",1-(1-VLOOKUP(C392,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.1389148568212786E-3},{"$f":"IF(B392=\"\",\"\",1-(1-VLOOKUP(H392,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.12301571140667424,35.435616438356163,381994.42852223862,317571.11415051436,39492.985266290467,2272108.0627843272,1496703.3164467658]
["2055-06-30",85.423287671231975,85,1,7,2056,7,33,390,0.52540526169973212,{"$f":"IF(B393=\"\",\"\",1-(1-VLOOKUP(C393,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.1389148568212786E-3},{"$f":"IF(B393=\"\",\"\",1-(1-VLOOKUP(H393,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.12168644244657612,35.435616438356163,381994.42852223862,317571.11415051436,39066.236529435679,2236302.4228344504,1473117.1055009679]
["2055-07-31",85.506621004565304,85,1,8,2056,8,33,391,0.52453894298936188,{"$f":"IF(B394=\"\",\"\",1-(1-VLOOKUP(C394,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.1389148568212786E-3},{"$f":"IF(B394=\"\",\"\",1-(1-VLOOKUP(H394,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.12037153714741264,35.435616438356163,381994.42852223862,317571.11415051436,38644.099104771616,2200865.1005062186,1449773.5160285281]
["2055-08-31",85.589954337898632,85,1,9,2056,9,33,392,0.52367405271559586,{"$f":"IF(B395=\"\",\"\",1-(1-VLOOKUP(C395,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.1389148568212786E-3},{"$f":"IF(B395=\"\",\"\",1-(1-VLOOKUP(H395,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.11907084029999619,35.435616438356163,381994.42852223862,317571.11415051436,38226.523163913858,2165792.0851779813,1426669.9061169324]
["2055-09-30",85.673287671231961,85,1,10,2056,10,33,393,0.52281058852314521,{"$f":"IF(B396=\"\",\"\",1-(1-VLOOKUP(C396,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.1389148568212786E-3},{"$f":"IF(B396=\"\",\"\",1-(1-VLOOKUP(H396,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.11778419837228062,35.435616438356163,381994.42852223862,317571.11415051436,37813.459416907754,2131079.4095148994,1403803.6623679406]
["2055-10-31",85.756621004565289,85,1,11,2056,11,33,394,0.52194854806060398,{"$f":"IF(B397=\"\",\"\",1-(1-VLOOKUP(C397,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.1389148568212786E-3},{"$f":"IF(B397=\"\",\"\",1-(1-VLOOKUP(H397,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.11651145949123864,35.435616438356163,381994.42852223862,317571.11415051436,37404.859106410353,2096723.1490011194,1381172.1995894185]
["2055-11-30",85.839954337898618,85,1,12,2056,12,33,395,0.52108792898044354,{"$f":"IF(B398=\"\",\"\",1-(1-VLOOKUP(C398,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.1389148568212786E-3},{"$f":"IF(B398=\"\",\"\",1-(1-VLOOKUP(H398,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.115252473424935,35.435616438356163,381994.42852223862,317571.11415051436,37000.674001935178,2062719.4214770016,1358772.9604904945]
["2055-12-31",85.923287671231947,85,1,1,2057,1,34,396,0.52022872893900607,{"$f":"IF(B399=\"\",\"\",1-(1-VLOOKUP(C399,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":9.1389148568212786E-3},{"$f":"IF(B399=\"\",\"\",1-(1-VLOOKUP(H399,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.1140070915647933,35.435616438356163,381994.42852223862,319158.96972126688,36783.860676129945,2029064.3866813455,1336603.4153800113]
["2056-01-31",86.006621004565275,86,1,2,2057,2,34,397,0.51937094559649832,{"$f":"IF(B400=\"\",\"\",1-(1-VLOOKUP(C400,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0262225854371199E-2},{"$f":"IF(B400=\"\",\"\",1-(1-VLOOKUP(H400,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.11264731691259321,35.435616438356163,381994.42852223862,319158.96972126688,36386.385884737567,1995570.9392701455,1314540.3125546344]
["2056-02-29",86.089954337898604,86,1,3,2057,3,34,398,0.51851457661698475,{"$f":"IF(B401=\"\",\"\",1-(1-VLOOKUP(C401,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0262225854371199E-2},{"$f":"IF(B401=\"\",\"\",1-(1-VLOOKUP(H401,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.11130376043664328,35.435616438356163,381994.42852223862,319158.96972126688,35952.401607688291,1962420.3059607903,1292703.0312962683]
["2056-03-31",86.173287671231932,86,1,4,2057,4,34,399,0.51765961966838137,{"$f":"IF(B402=\"\",\"\",1-(1-VLOOKUP(C402,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0262225854371199E-2},{"$f":"IF(B402=\"\",\"\",1-(1-VLOOKUP(H402,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.10997622870103818,35.435616438356163,381994.42852223862,319158.96972126688,35523.593507061778,1929649.6227226809,1271116.0341423568]
["2056-04-30",86.256621004565261,86,1,5,2057,5,34,400,0.51680607242244947,{"$f":"IF(B403=\"\",\"\",1-(1-VLOOKUP(C403,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0262225854371199E-2},{"$f":"IF(B403=\"\",\"\",1-(1-VLOOKUP(H403,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.10866453057700312,35.435616438356163,381994.42852223862,319158.96972126688,35099.89984605377,1897254.3323489521,1249776.3191288908]
["2056-05-31",86.33995433789859,86,1,6,2057,6,34,401,0.51595393255478983,{"$f":"IF(B404=\"\",\"\",1-(1-VLOOKUP(C404,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0262225854371199E-2},{"$f":"IF(B404=\"\",\"\",1-(1-VLOOKUP(H404,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.10736847721537644,35.435616438356163,381994.42852223862,319158.96972126688,34681.259624201419,1865229.9319449081,1228680.9200688587]
["2056-06-30",86.423287671231918,86,1,7,2057,7,34,402,0.51510319774483526,{"$f":"IF(B405=\"\",\"\",1-(1-VLOOKUP(C405,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0262225854371199E-2},{"$f":"IF(B405=\"\",\"\",1-(1-VLOOKUP(H405,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.10608788201942043,35.435616438356163,381994.42852223862,319158.96972126688,34267.61256860086,1833571.9722801666,1207826.9061254847]
["2056-07-31",86.506621004565247,86,1,8,2057,8,34,403,0.51425386567584475,{"$f":"IF(B406=\"\",\"\",1-(1-VLOOKUP(C406,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0262225854371199E-2},{"$f":"IF(B406=\"\",\"\",1-(1-VLOOKUP(H406,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.1048225606179564,35.435616438356163,381994.42852223862,319158.96972126688,33858.899125229538,1802276.057148529,1187211.3813905572]
["2056-08-31",86.589954337898575,86,1,9,2057,9,34,404,0.51340593403489787,{"$f":"IF(B407=\"\",\"\",1-(1-VLOOKUP(C407,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0262225854371199E-2},{"$f":"IF(B407=\"\",\"\",1-(1-VLOOKUP(H407,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.10357233083882027,35.435616438356163,381994.42852223862,319158.96972126688,33455.06045037201,1771337.8427354856,1166831.4844677856]
["2056-09-30",86.673287671231904,86,1,10,2057,10,34,405,0.51255940051288729,{"$f":"IF(B408=\"\",\"\",1-(1-VLOOKUP(C408,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0262225854371199E-2},{"$f":"IF(B408=\"\",\"\",1-(1-VLOOKUP(H408,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.10233701268263461,35.435616438356163,381994.42852223862,319158.96972126688,33056.038402148071,1740753.0369932647,1146684.3880611272]
["2056-10-31",86.756621004565233,86,1,11,2057,11,34,406,0.5117142628045136,{"$f":"IF(B409=\"\",\"\",1-(1-VLOOKUP(C409,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0262225854371199E-2},{"$f":"IF(B409=\"\",\"\",1-(1-VLOOKUP(H409,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},0.10111642829689364,35.435616438356163,381994.42852223862,319158.96972126688,32661.775532141884,1710517.399023335,1126767.2985680236]
["2056-11-30",86.839954337898561,86,1,12,2057,12,34,407,0.51087051860827792,{"$f":"IF(B410=\"\",\"\",1-(1-VLOOKUP(C410,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0262225854371199E-2},{"$f":"IF(B410=\"\",\"\",1-(1-VLOOKUP(H410,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},9.9910401950357275E-2,35.435616438356163,381994.42852223862,319158.96972126688,32272.215077130932,1680626.7384662728,1107077.4556774893]
["2056-12-31",86.92328767123189,86,1,1,2058,1,35,408,0.51002816562647635,{"$f":"IF(B411=\"\",\"\",1-(1-VLOOKUP(C411,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.0262225854371199E-2},{"$f":"IF(B411=\"\",\"\",1-(1-VLOOKUP(H411,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},9.8718760007750511E-2,35.435616438356163,381994.42852223862,320754.76456987316,32046.737455668244,1651076.9148989071,1087612.1319729928]
["2057-01-31",87.006621004565218,87,1,2,2058,2,35,409,0.50918720156519426,{"$f":"IF(B412=\"\",\"\",1-(1-VLOOKUP(C412,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1502047445014596E-2},{"$f":"IF(B412=\"\",\"\",1-(1-VLOOKUP(H412,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},9.7419143138272435E-2,35.435616438356163,381994.42852223862,320754.76456987316,31664.512624915824,1621704.1374115488,1068263.4336436058]
["2057-02-28",87.089954337898547,87,1,3,2058,3,35,410,0.50834762413429857,{"$f":"IF(B413=\"\",\"\",1-(1-VLOOKUP(C413,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1502047445014596E-2},{"$f":"IF(B413=\"\",\"\",1-(1-VLOOKUP(H413,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},9.6136635519430205E-2,35.435616438356163,381994.42852223862,320754.76456987316,31247.65432191535,1592665.7045002426,1049134.9777595536]
["2057-03-31",87.173287671231876,87,1,4,2058,4,35,411,0.5075094310474324,{"$f":"IF(B414=\"\",\"\",1-(1-VLOOKUP(C414,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1502047445014596E-2},{"$f":"IF(B414=\"\",\"\",1-(1-VLOOKUP(H414,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},9.4871011910643913E-2,35.435616438356163,381994.42852223862,320754.76456987316,30836.283892574542,1563996.8590344826,1030249.9798186015]
["2057-04-30",87.256621004565204,87,1,5,2058,5,35,412,0.50667262002200908,{"$f":"IF(B415=\"\",\"\",1-(1-VLOOKUP(C415,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1502047445014596E-2},{"$f":"IF(B415=\"\",\"\",1-(1-VLOOKUP(H415,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},9.3622050036590312E-2,35.435616438356163,381994.42852223862,320754.76456987316,30430.329089904222,1535692.7144806539,1011605.2209196823]
["2057-05-31",87.339954337898533,87,1,6,2058,6,35,413,0.50583718877920547,{"$f":"IF(B416=\"\",\"\",1-(1-VLOOKUP(C416,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1502047445014596E-2},{"$f":"IF(B416=\"\",\"\",1-(1-VLOOKUP(H416,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},9.2389530548165608E-2,35.435616438356163,381994.42852223862,320754.76456987316,30029.718618035411,1507748.4486009448,993197.5245152351]
["2057-06-30",87.423287671231861,87,1,7,2058,7,35,414,0.505003135043956,{"$f":"IF(B417=\"\",\"\",1-(1-VLOOKUP(C417,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1502047445014596E-2},{"$f":"IF(B417=\"\",\"\",1-(1-VLOOKUP(H417,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},9.1173236983962305E-2,35.435616438356163,381994.42852223862,320754.76456987316,29634.382119697962,1480159.3026068467,975023.75585359009]
["2057-07-31",87.50662100456519,87,1,8,2058,8,35,415,0.50417045654494574,{"$f":"IF(B418=\"\",\"\",1-(1-VLOOKUP(C418,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1502047445014596E-2},{"$f":"IF(B418=\"\",\"\",1-(1-VLOOKUP(H418,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},8.9972955732253126E-2,35.435616438356163,381994.42852223862,320754.76456987316,29244.250163864082,1452920.5803237946,957080.82142869418]
["2057-08-31",87.589954337898519,87,1,9,2058,9,35,416,0.50333915101460547,{"$f":"IF(B419=\"\",\"\",1-(1-VLOOKUP(C419,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1502047445014596E-2},{"$f":"IF(B419=\"\",\"\",1-(1-VLOOKUP(H419,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},8.8788475993475405E-2,35.435616438356163,381994.42852223862,320754.76456987316,28859.254233554471,1426027.647366809,939365.66843708162]
["2057-09-30",87.673287671231847,87,1,10,2058,10,35,417,0.50250921618910505,{"$f":"IF(B420=\"\",\"\",1-(1-VLOOKUP(C420,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1502047445014596E-2},{"$f":"IF(B420=\"\",\"\",1-(1-VLOOKUP(H420,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},8.7619589743209395E-2,35.435616438356163,381994.42852223862,320754.76456987316,28479.32671380504,1399475.9303269873,921875.28424199263]
["2057-10-31",87.756621004565176,87,1,11,2058,11,35,418,0.50168064980834626,{"$f":"IF(B421=\"\",\"\",1-(1-VLOOKUP(C421,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1502047445014596E-2},{"$f":"IF(B421=\"\",\"\",1-(1-VLOOKUP(H421,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},8.646609169564394E-2,35.435616438356163,381994.42852223862,320754.76456987316,28104.400879792003,1373260.9159687059,904606.69584454736]
["2057-11-30",87.839954337898504,87,1,12,2058,12,35,419,0.50085344961595846,{"$f":"IF(B422=\"\",\"\",1-(1-VLOOKUP(C422,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1502047445014596E-2},{"$f":"IF(B422=\"\",\"\",1-(1-VLOOKUP(H422,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},8.5327779267523135E-2,35.435616438356163,381994.42852223862,320754.76456987316,27734.410885113339,1347378.1504373909,887556.96936188114]
["2057-12-31",87.923287671231833,87,1,1,2059,1,36,420,0.50002761335929047,{"$f":"IF(B423=\"\",\"\",1-(1-VLOOKUP(C423,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.1502047445014596E-2},{"$f":"IF(B423=\"\",\"\",1-(1-VLOOKUP(H423,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},8.4204452542567629E-2,35.435616438356163,381994.42852223862,322358.53839272249,27506.138208975608,1321823.2384777183,870723.20951215096]
["2058-01-31",88.006621004565162,88,1,2,2059,2,36,421,0.49920313878940586,{"$f":"IF(B424=\"\",\"\",1-(1-VLOOKUP(C424,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2865195162978016E-2},{"$f":"IF(B424=\"\",\"\",1-(1-VLOOKUP(H424,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},8.2981324210587681E-2,35.435616438356163,381994.42852223862,322358.53839272249,27144.024247781465,1296454.7701903023,854012.26550343097]
["2058-02-28",88.08995433789849,88,1,3,2059,3,36,422,0.49838002366107681,{"$f":"IF(B425=\"\",\"\",1-(1-VLOOKUP(C425,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2865195162978016E-2},{"$f":"IF(B425=\"\",\"\",1-(1-VLOOKUP(H425,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},8.1775962669689659E-2,35.435616438356163,381994.42852223862,322358.53839272249,26749.738386417681,1271407.1158368459,837512.65091463807]
["2058-03-31",88.173287671231819,88,1,4,2059,4,36,423,0.49755826573277673,{"$f":"IF(B426=\"\",\"\",1-(1-VLOOKUP(C426,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2865195162978016E-2},{"$f":"IF(B426=\"\",\"\",1-(1-VLOOKUP(H426,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},8.0588109844856343E-2,35.435616438356163,381994.42852223862,322358.53839272249,26361.179801858994,1246713.0303023225,821245.94233615196]
["2058-04-30",88.256621004565147,88,1,5,2059,5,36,424,0.49673786276667536,{"$f":"IF(B427=\"\",\"\",1-(1-VLOOKUP(C427,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2865195162978016E-2},{"$f":"IF(B427=\"\",\"\",1-(1-VLOOKUP(H427,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},7.9417511409789893E-2,35.435616438356163,381994.42852223862,322358.53839272249,25978.265301420062,1222367.3607985137,805208.74547729525]
["2058-05-31",88.339954337898476,88,1,6,2059,6,36,425,0.49591881252863262,{"$f":"IF(B428=\"\",\"\",1-(1-VLOOKUP(C428,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2865195162978016E-2},{"$f":"IF(B428=\"\",\"\",1-(1-VLOOKUP(H428,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},7.8263916732459152E-2,35.435616438356163,381994.42852223862,322358.53839272249,25600.91290084723,1198365.029357038,789397.71533338202]
["2058-06-30",88.423287671231805,88,1,7,2059,7,36,426,0.4951011127881918,{"$f":"IF(B429=\"\",\"\",1-(1-VLOOKUP(C429,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2865195162978016E-2},{"$f":"IF(B429=\"\",\"\",1-(1-VLOOKUP(H429,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},7.7127078821437781E-2,35.435616438356163,381994.42852223862,322358.53839272249,25229.041806765268,1174701.0317424929,773809.55546977278]
["2058-07-31",88.506621004565133,88,1,8,2059,8,36,427,0.49428476131857402,{"$f":"IF(B430=\"\",\"\",1-(1-VLOOKUP(C430,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2865195162978016E-2},{"$f":"IF(B430=\"\",\"\",1-(1-VLOOKUP(H430,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},7.600675427302199E-2,35.435616438356163,381994.42852223862,322358.53839272249,24862.572399378983,1151370.4363813864,758441.01731632999]
["2058-08-31",88.589954337898462,88,1,9,2059,9,36,428,0.4934697558966718,{"$f":"IF(B431=\"\",\"\",1-(1-VLOOKUP(C431,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2865195162978016E-2},{"$f":"IF(B431=\"\",\"\",1-(1-VLOOKUP(H431,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},7.4902703219116323E-2,35.435616438356163,381994.42852223862,322358.53839272249,24501.426215426181,1128368.3833066262,743288.89947212429]
["2058-09-30",88.67328767123179,88,1,10,2059,10,36,429,0.49265609430304391,{"$f":"IF(B432=\"\",\"\",1-(1-VLOOKUP(C432,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2865195162978016E-2},{"$f":"IF(B432=\"\",\"\",1-(1-VLOOKUP(H432,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},7.3814689275876533E-2,35.435616438356163,381994.42852223862,322358.53839272249,24145.525931378208,1105690.0831173395,728350.04702023615]
["2058-10-31",88.756621004565119,88,1,11,2059,11,36,430,0.49184377432190807,{"$f":"IF(B433=\"\",\"\",1-(1-VLOOKUP(C433,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2865195162978016E-2},{"$f":"IF(B433=\"\",\"\",1-(1-VLOOKUP(H433,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},7.2742479493098366E-2,35.435616438356163,381994.42852223862,322358.53839272249,23794.795346884526,1083330.8159538032,713621.3508525131]
["2058-11-30",88.839954337898448,88,1,12,2059,12,36,431,0.49103279374113551,{"$f":"IF(B434=\"\",\"\",1-(1-VLOOKUP(C434,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2865195162978016E-2},{"$f":"IF(B434=\"\",\"\",1-(1-VLOOKUP(H434,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},7.1685844304341564E-2,35.435616438356163,381994.42852223862,322358.53839272249,23449.159368457778,1061285.9304872642,699099.74700413574]
["2058-12-31",88.923287671231776,88,1,1,2060,1,37,432,0.49022315035224528,{"$f":"IF(B435=\"\",\"\",1-(1-VLOOKUP(C435,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.2865195162978016E-2},{"$f":"IF(B435=\"\",\"\",1-(1-VLOOKUP(H435,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},7.0644557477778341E-2,35.435616438356163,381994.42852223862,323970.33108468598,23224.086713362787,1039550.8429244314,684782.21599784726]
["2059-01-31",89.006621004565105,89,1,2,2060,2,37,433,0.48941484195039781,{"$f":"IF(B436=\"\",\"\",1-(1-VLOOKUP(C436,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4357631385668701E-2},{"$f":"IF(B436=\"\",\"\",1-(1-VLOOKUP(H436,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},6.9513140923728858E-2,35.435616438356163,381994.42852223862,323970.33108468598,22886.740675406978,1018005.302478268,670589.54516119102]
["2059-02-28",89.089954337898433,89,1,3,2060,3,37,434,0.4886078663343888,{"$f":"IF(B437=\"\",\"\",1-(1-VLOOKUP(C437,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4357631385668701E-2},{"$f":"IF(B437=\"\",\"\",1-(1-VLOOKUP(H437,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},6.8399844709936E-2,35.435616438356163,381994.42852223862,323970.33108468598,22520.195279796873,996762.08101272839,656596.02058361273]
["2059-03-31",89.173287671231762,89,1,4,2060,4,37,435,0.48780222130664364,{"$f":"IF(B438=\"\",\"\",1-(1-VLOOKUP(C438,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4357631385668701E-2},{"$f":"IF(B438=\"\",\"\",1-(1-VLOOKUP(H438,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},6.7304378627873293E-2,35.435616438356163,381994.42852223862,323970.33108468598,22159.520336819074,975850.92541495559,642821.23740029556]
["2059-04-30",89.256621004565091,89,1,5,2060,5,37,436,0.48699790467321091,{"$f":"IF(B439=\"\",\"\",1-(1-VLOOKUP(C439,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4357631385668701E-2},{"$f":"IF(B439=\"\",\"\",1-(1-VLOOKUP(H439,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},6.622645711688438E-2,35.435616438356163,381994.42852223862,323970.33108468598,21804.621827521172,955266.50397056551,629261.6834567202]
["2059-05-31",89.339954337898419,89,1,6,2060,6,37,437,0.48619491424375727,{"$f":"IF(B440=\"\",\"\",1-(1-VLOOKUP(C440,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4357631385668701E-2},{"$f":"IF(B440=\"\",\"\",1-(1-VLOOKUP(H440,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},6.5165799189744536E-2,35.435616438356163,381994.42852223862,323970.33108468598,21455.40723872279,935003.57033364708,615913.90283305047]
["2059-06-30",89.423287671231748,89,1,7,2060,7,37,438,0.48539324783156051,{"$f":"IF(B441=\"\",\"\",1-(1-VLOOKUP(C441,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4357631385668701E-2},{"$f":"IF(B441=\"\",\"\",1-(1-VLOOKUP(H441,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},6.4122128359414346E-2,35.435616438356163,381994.42852223862,323970.33108468598,21111.785538899698,915056.96215949545,602774.49494347477]
["2059-07-31",89.506621004565076,89,1,8,2060,8,37,439,0.48459290325350374,{"$f":"IF(B442=\"\",\"\",1-(1-VLOOKUP(C442,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4357631385668701E-2},{"$f":"IF(B442=\"\",\"\",1-(1-VLOOKUP(H442,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},6.3095172566966382E-2,35.435616438356163,381994.42852223862,323970.33108468598,20773.667154454197,895421.59975924413,589840.11364997376]
["2059-08-31",89.589954337898405,89,1,9,2060,9,37,440,0.48379387833007015,{"$f":"IF(B443=\"\",\"\",1-(1-VLOOKUP(C443,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4357631385668701E-2},{"$f":"IF(B443=\"\",\"\",1-(1-VLOOKUP(H443,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},6.2084664110666259E-2,35.435616438356163,381994.42852223862,323970.33108468598,20440.963946365497,876092.48477604322,577107.46639028052]
["2059-09-30",89.673287671231733,89,1,10,2060,10,37,441,0.48299617088533692,{"$f":"IF(B444=\"\",\"\",1-(1-VLOOKUP(C444,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4357631385668701E-2},{"$f":"IF(B444=\"\",\"\",1-(1-VLOOKUP(H444,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},6.1090339576189479E-2,35.435616438356163,381994.42852223862,323970.33108468598,20113.589187214071,857064.69888243964,564573.31331980717]
["2059-10-31",89.756621004565062,89,1,11,2060,11,37,442,0.48219977874696845,{"$f":"IF(B445=\"\",\"\",1-(1-VLOOKUP(C445,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4357631385668701E-2},{"$f":"IF(B445=\"\",\"\",1-(1-VLOOKUP(H445,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},6.0111939767955883E-2,35.435616438356163,381994.42852223862,323970.33108468598,19791.457538573999,838333.40249861963,552234.46646731405]
["2059-11-30",89.839954337898391,89,1,12,2060,12,37,443,0.48140469974621108,{"$f":"IF(B446=\"\",\"\",1-(1-VLOOKUP(C446,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4357631385668701E-2},{"$f":"IF(B446=\"\",\"\",1-(1-VLOOKUP(H446,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.9149209641563845E-2,35.435616438356163,381994.42852223862,323970.33108468598,19474.485028767369,819893.833531179,540087.78890410124]
["2059-12-31",89.923287671231719,89,1,1,2061,1,38,444,0.48061093171788727,{"$f":"IF(B447=\"\",\"\",1-(1-VLOOKUP(C447,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.4357631385668701E-2},{"$f":"IF(B447=\"\",\"\",1-(1-VLOOKUP(H447,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.8201898237306551E-2,35.435616438356163,381994.42852223862,325590.18274010939,19258.401976129811,801741.30613209342,528130.19392650656]
["2060-01-31",90.006621004565048,90,1,2,2061,2,38,445,0.47981847250038978,{"$f":"IF(B448=\"\",\"\",1-(1-VLOOKUP(C448,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5984141991417289E-2},{"$f":"IF(B448=\"\",\"\",1-(1-VLOOKUP(H448,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.7175251851710317E-2,35.435616438356163,381994.42852223862,325590.18274010939,18949.966682905892,783775.23828953982,516295.4252533539]
["2060-02-29",90.089954337898376,90,1,3,2061,3,38,446,0.47902731993567532,{"$f":"IF(B449=\"\",\"\",1-(1-VLOOKUP(C449,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5984141991417289E-2},{"$f":"IF(B449=\"\",\"\",1-(1-VLOOKUP(H449,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.6166714889225339E-2,35.435616438356163,381994.42852223862,325590.18274010939,18615.700698610141,766088.4427244555,504644.62130913575]
["2060-03-31",90.173287671231705,90,1,4,2061,4,38,447,0.47823747186925825,{"$f":"IF(B450=\"\",\"\",1-(1-VLOOKUP(C450,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5984141991417289E-2},{"$f":"IF(B450=\"\",\"\",1-(1-VLOOKUP(H450,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.5175967910549024E-2,35.435616438356163,381994.42852223862,325590.18274010939,18287.330964694502,748707.25403027027,493195.12945244339]
["2060-04-30",90.256621004565034,90,{"$f":"IF(C451=\"\",\"\",IF(C451>=Retire_age,1,0))","v":1},5,2061,5,38,448,0.47744892615020668,{"$f":"IF(B451=\"\",\"\",1-(1-VLOOKUP(C451,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5984141991417289E-2},{"$f":"IF(B451=\"\",\"\",1-(1-VLOOKUP(H451,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.4202697111095446E-2,{"$f":"IF(B451=\"\",\"\",IF(retire_indicator=1,N450,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":35.435616438356163},{"$f":"IF(B451=\"\",\"\",IF(retire_indicator=1,O450,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":381994.42852223862},{"$f":"IF(B451=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":325590.18274010939},{"$f":"IF(B451=\"\",\"\",M450*Pension_PP)","v":17964.753474858069},{"$f":"IF(B451=\"\",0,Pension_CF+R452/(1+Disc_Rate_Month))","v":731626.27095306083},{"$f":"PVCF*current_service/except_service","v":481943.39172105136}]
[{"$f":"IF(B452=\"\",\"\",EOMONTH(A451,1))","v":"2060-05-31"},{"$f":"IF(B451=\"\",\"\", IF(B451+1/12>Max_age,\"\",B451+1/12))","v":90.339954337898362},{"$f":"IF(B452=\"\",\"\",INT(B452))","v":90},1,6,2061,6,38,{"$f":"IF(B452=\"\",\"\",I451+1)","v":449},{"$f":"IF(B452=\"\",\"\",(1+Disc_Rate_Month)^(-I452))","v":0.4766616806311344},{"$f":"IF(B452=\"\",\"\",1-(1-VLOOKUP(C452,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5984141991417289E-2},{"$f":"IF(B452=\"\",\"\",1-(1-VLOOKUP(H452,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},{"$f":"IF(B452=\"\",\"\",M451*(1-K452)*(1-L452))","v":5.3246594221602321E-2},35.435616438356163,381994.42852223862,325590.18274010939,17647.866057408366,714840.1874963697,470885.91290158266]
["2060-06-30",90.423287671231691,90,1,{"$f":"IF(B453=\"\",\"\",IF(E452=12,1,E452+1))","v":7},{"$f":"IF(B453=\"\",\"\",IF(E452=12,F452+1,F452))","v":2061},{"$f":"IF(B453=\"\",\"\",IF(G452=12,1,G452+1))","v":7},{"$f":"IF(B453=\"\",\"\",IF(G452=12,H452+1,H452))","v":38},450,0.4758757331681962,{"$f":"IF(B453=\"\",\"\",1-(1-VLOOKUP(C453,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5984141991417289E-2},{"$f":"IF(B453=\"\",\"\",1-(1-VLOOKUP(H453,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.2307356410491238E-2,35.435616438356163,381994.42852223862,325590.18274010939,17336.568342899951,698343.79124089226,460019.25942263822]
["2060-07-31",90.506621004565019,90,1,8,2061,8,38,451,0.47509108162108188,{"$f":"IF(B454=\"\",\"\",1-(1-VLOOKUP(C454,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5984141991417289E-2},{"$f":"IF(B454=\"\",\"\",1-(1-VLOOKUP(H454,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.1384686187950224E-2,35.435616438356163,381994.42852223862,325590.18274010939,17030.761732343875,682131.96169380331,449340.05826745048]
["2060-08-31",90.589954337898348,90,1,9,2061,9,38,452,0.47430772385300995,{"$f":"IF(B455=\"\",\"\",1-(1-VLOOKUP(C455,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5984141991417289E-2},{"$f":"IF(B455=\"\",\"\",1-(1-VLOOKUP(H455,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.0478291311708168E-2,35.435616438356163,381994.42852223862,325590.18274010939,16730.349365977887,666199.66866720049,438844.99590571737]
["2060-09-30",90.673287671231677,90,1,10,2061,10,38,453,0.47352565773072236,{"$f":"IF(B456=\"\",\"\",1-(1-VLOOKUP(C456,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5984141991417289E-2},{"$f":"IF(B456=\"\",\"\",1-(1-VLOOKUP(H456,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.9587884694471396E-2,35.435616438356163,381994.42852223862,325590.18274010939,16435.23609258754,650541.97068515129,428530.81724427786]
["2060-10-31",90.756621004565005,90,1,11,2061,11,38,454,0.47274488112447877,{"$f":"IF(B457=\"\",\"\",1-(1-VLOOKUP(C457,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5984141991417289E-2},{"$f":"IF(B457=\"\",\"\",1-(1-VLOOKUP(H457,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.8713184312992944E-2,35.435616438356163,381994.42852223862,325590.18274010939,16145.328439368415,635154.0134188385,418394.32459629694]
["2060-11-30",90.839954337898334,90,1,12,2061,12,38,455,0.47196539190804987,{"$f":"IF(B458=\"\",\"\",1-(1-VLOOKUP(C458,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5984141991417289E-2},{"$f":"IF(B458=\"\",\"\",1-(1-VLOOKUP(H458,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.7853913118745858E-2,35.435616438356163,381994.42852223862,325590.18274010939,15860.534582320002,620031.0281493084,408432.37666863366]
["2060-12-31",90.923287671231662,90,1,1,2062,1,39,456,0.47118718795871284,{"$f":"IF(B459=\"\",\"\",1-(1-VLOOKUP(C459,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.5984141991417289E-2},{"$f":"IF(B459=\"\",\"\",1-(1-VLOOKUP(H459,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.7009798950172127E-2,35.435616438356163,381994.42852223862,327218.1336538099,15658.668138747589,605168.33025733556,398641.88756707124]
["2061-01-31",91.006621004564991,91,1,2,2062,2,39,457,0.47041026715724471,{"$f":"IF(B460=\"\",\"\",1-(1-VLOOKUP(C460,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7747991085751313E-2},{"$f":"IF(B460=\"\",\"\",1-(1-VLOOKUP(H460,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.6097795735394388E-2,35.435616438356163,381994.42852223862,327218.1336538099,15382.458675916156,590483.28525384434,388968.42356291588]
["2061-02-28",91.08995433789832,91,1,3,2062,3,39,458,0.46963462738791667,{"$f":"IF(B461=\"\",\"\",1-(1-VLOOKUP(C461,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7747991085751313E-2},{"$f":"IF(B461=\"\",\"\",1-(1-VLOOKUP(H461,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.5203485637420798E-2,35.435616438356163,381994.42852223862,327218.1336538099,15084.034686090308,576050.65234982315,379461.23071134172]
["2061-03-31",91.173287671231648,91,1,4,2062,4,39,459,0.46886026653848828,{"$f":"IF(B462=\"\",\"\",1-(1-VLOOKUP(C462,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7747991085751313E-2},{"$f":"IF(B462=\"\",\"\",1-(1-VLOOKUP(H462,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.4326525404849194E-2,35.435616438356163,381994.42852223862,327218.1336538099,14791.400204923635,561893.09964046767,370135.24114247604]
["2061-04-30",91.256621004564977,91,1,5,2062,5,39,460,0.46808718250020243,{"$f":"IF(B463=\"\",\"\",1-(1-VLOOKUP(C463,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7747991085751313E-2},{"$f":"IF(B463=\"\",\"\",1-(1-VLOOKUP(H463,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.3466578445450391E-2,35.435616438356163,381994.42852223862,327218.1336538099,14504.442914332943,548005.28237258061,360986.93411275611]
["2061-05-31",91.339954337898305,91,1,6,2062,6,39,461,0.46731537316777866,{"$f":"IF(B464=\"\",\"\",1-(1-VLOOKUP(C464,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7747991085751313E-2},{"$f":"IF(B464=\"\",\"\",1-(1-VLOOKUP(H464,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.2623314696978339E-2,35.435616438356163,381994.42852223862,327218.1336538099,14223.052675237199,534381.95946925564,352012.85717319144]
["2061-06-30",91.423287671231634,91,1,7,2062,7,39,462,0.46654483643940803,{"$f":"IF(B465=\"\",\"\",1-(1-VLOOKUP(C465,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7747991085751313E-2},{"$f":"IF(B465=\"\",\"\",1-(1-VLOOKUP(H465,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.1796410500486665E-2,35.435616438356163,381994.42852223862,327218.1336538099,13947.121485284259,521017.99151850672,343209.62484441604]
["2061-07-31",91.506621004564963,91,1,8,2062,8,39,463,0.46577557021674676,{"$f":"IF(B466=\"\",\"\",1-(1-VLOOKUP(C466,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7747991085751313E-2},{"$f":"IF(B466=\"\",\"\",1-(1-VLOOKUP(H466,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.098554847610282E-2,35.435616438356163,381994.42852223862,327218.1336538099,13676.54343739775,507908.33880091779,334573.91731744393]
["2061-08-31",91.589954337898291,91,1,9,2062,9,39,464,0.46500757240491142,{"$f":"IF(B467=\"\",\"\",1-(1-VLOOKUP(C467,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7747991085751313E-2},{"$f":"IF(B467=\"\",\"\",1-(1-VLOOKUP(H467,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.0190417401212368E-2,35.435616438356163,381994.42852223862,327218.1336538099,13411.214679128117,495048.05935555691,326102.47917963081]
["2061-09-30",91.67328767123162,91,1,10,2062,10,39,465,0.46424084091247275,{"$f":"IF(B468=\"\",\"\",1-(1-VLOOKUP(C468,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7747991085751313E-2},{"$f":"IF(B468=\"\",\"\",1-(1-VLOOKUP(H468,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.9410712091006384E-2,35.435616438356163,381994.42852223862,327218.1336538099,13151.033372792315,482432.30708341219,317792.11816535273]
["2061-10-31",91.756621004564948,91,1,11,2062,11,39,466,0.46347537365144958,{"$f":"IF(B469=\"\",\"\",1-(1-VLOOKUP(C469,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7747991085751313E-2},{"$f":"IF(B469=\"\",\"\",1-(1-VLOOKUP(H469,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.8646133281346397E-2,35.435616438356163,381994.42852223862,327218.1336538099,12895.899656386749,470056.32988762169,309639.70393092133]
["2061-11-30",91.839954337898277,91,1,12,2062,12,39,467,0.46271116853730371,{"$f":"IF(B470=\"\",\"\",1-(1-VLOOKUP(C470,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7747991085751313E-2},{"$f":"IF(B470=\"\",\"\",1-(1-VLOOKUP(H470,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.7896387513901716E-2,35.435616438356163,381994.42852223862,327218.1336538099,12645.715605258556,457915.46784978267,301642.16685326648]
["2061-12-31",91.923287671231606,91,1,1,2063,1,40,468,0.46194822348893405,{"$f":"IF(B471=\"\",\"\",1-(1-VLOOKUP(C471,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.7747991085751313E-2},{"$f":"IF(B471=\"\",\"\",1-(1-VLOOKUP(H471,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.7161187023515133E-2,35.435616438356163,381994.42852223862,328854.22432207892,12462.387120493066,446005.15144164185,293796.49685192428]
["2062-01-31",92.006621004564934,92,1,2,2063,2,40,469,0.46118653642867108,{"$f":"IF(B472=\"\",\"\",1-(1-VLOOKUP(C472,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.9650578746193026E-2},{"$f":"IF(B472=\"\",\"\",1-(1-VLOOKUP(H472,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.6369666143417786E-2,35.435616438356163,381994.42852223862,328854.22432207892,12220.613333505773,434258.79544428439,286058.83231678547]
["2062-02-28",92.089954337898263,92,1,3,2063,3,40,470,0.46042610528227101,{"$f":"IF(B473=\"\",\"\",1-(1-VLOOKUP(C473,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.9650578746193026E-2},{"$f":"IF(B473=\"\",\"\",1-(1-VLOOKUP(H473,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.5595004393876029E-2,35.435616438356163,381994.42852223862,328854.22432207892,11960.318348446632,422735.21248104918,278467.91482438066]
["2062-03-31",92.173287671231591,92,1,4,2063,4,40,471,0.45966692797891001,{"$f":"IF(B474=\"\",\"\",1-(1-VLOOKUP(C474,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.9650578746193026E-2},{"$f":"IF(B474=\"\",\"\",1-(1-VLOOKUP(H474,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.4836842681036199E-2,35.435616438356163,381994.42852223862,328854.22432207892,11705.567559689092,411453.32226705021,271036.20733843109]
["2062-04-30",92.25662100456492,92,1,5,2063,5,40,472,0.45890900245117872,{"$f":"IF(B475=\"\",\"\",1-(1-VLOOKUP(C475,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.9650578746193026E-2},{"$f":"IF(B475=\"\",\"\",1-(1-VLOOKUP(H475,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.4094829559623854E-2,35.435616438356163,381994.42852223862,328854.22432207892,11456.242877702452,400407.97062452039,263760.31465292361]
["2062-05-31",92.339954337898249,92,1,6,2063,6,40,473,0.45815232663507693,{"$f":"IF(B476=\"\",\"\",1-(1-VLOOKUP(C476,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.9650578746193026E-2},{"$f":"IF(B476=\"\",\"\",1-(1-VLOOKUP(H476,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.3368621070031593E-2,35.435616438356163,381994.42852223862,328854.22432207892,11212.22872822359,389594.11314771412,256636.91387185128]
["2062-06-30",92.423287671231577,92,1,7,2063,7,40,474,0.45739689847000758,{"$f":"IF(B477=\"\",\"\",1-(1-VLOOKUP(C477,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.9650578746193026E-2},{"$f":"IF(B477=\"\",\"\",1-(1-VLOOKUP(H477,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.2657880578876856E-2,35.435616438356163,381994.42852223862,328854.22432207892,10973.411998682619,379006.8128647831,249662.75286902365]
["2062-07-31",92.506621004564906,92,1,8,2063,8,40,475,0.45664271589877115,{"$f":"IF(B478=\"\",\"\",1-(1-VLOOKUP(C478,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.9650578746193026E-2},{"$f":"IF(B478=\"\",\"\",1-(1-VLOOKUP(H478,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.1962278622955767E-2,35.435616438356163,381994.42852223862,328854.22432207892,10739.681985769634,368641.23794945306,242834.64878068195]
["2062-08-31",92.589954337898234,92,1,9,2063,9,40,476,0.45588977686755999,{"$f":"IF(B479=\"\",\"\",1-(1-VLOOKUP(C479,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.9650578746193026E-2},{"$f":"IF(B479=\"\",\"\",1-(1-VLOOKUP(H479,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.1281492756520722E-2,35.435616438356163,381994.42852223862,328854.22432207892,10510.930344118284,358492.65948144119,236149.48653022107]
["2062-09-30",92.673287671231563,92,1,10,2063,10,40,477,0.45513807932595352,{"$f":"IF(B480=\"\",\"\",1-(1-VLOOKUP(C480,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.9650578746193026E-2},{"$f":"IF(B480=\"\",\"\",1-(1-VLOOKUP(H480,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.0615207401810923E-2,35.435616438356163,381994.42852223862,328854.22432207892,10287.051036082352,348556.449254576,229604.21738433489]
["2062-10-31",92.756621004564892,92,1,11,2063,11,40,478,0.45438762122691123,{"$f":"IF(B481=\"\",\"\",1-(1-VLOOKUP(C481,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.9650578746193026E-2},{"$f":"IF(B481=\"\",\"\",1-(1-VLOOKUP(H481,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.9963113702766539E-2,35.435616438356163,381994.42852223862,328854.22432207892,10067.9402825821,338828.07763160317,223195.85753991487]
["2062-11-30",92.83995433789822,92,1,12,2063,12,40,479,0.45363840052676813,{"$f":"IF(B482=\"\",\"\",1-(1-VLOOKUP(C482,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.9650578746193026E-2},{"$f":"IF(B482=\"\",\"\",1-(1-VLOOKUP(H482,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.9324909381858732E-2,35.435616438356163,381994.42852223862,328854.22432207892,9853.4965149975451,329303.11144468345,216921.48674104709]
["2062-12-31",92.923287671231549,92,1,1,2064,1,41,480,0.45289041518522932,{"$f":"IF(B483=\"\",\"\",1-(1-VLOOKUP(C483,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":1.9650578746193026E-2},{"$f":"IF(B483=\"\",\"\",1-(1-VLOOKUP(H483,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.8700298599969126E-2,35.435616438356163,381994.42852223862,330498.49544368929,9691.8384297268385,319977.21194060938,210778.24692546716]
["2063-01-31",93.006621004564877,93,1,2,2064,2,41,481,0.45214366316536364,{"$f":"IF(B484=\"\",\"\",1-(1-VLOOKUP(C484,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.1691100489024673E-2},{"$f":"IF(B484=\"\",\"\",1-(1-VLOOKUP(H484,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.803052674823037E-2,35.435616438356163,381994.42852223862,330498.49544368929,9485.4055060744176,310797.83503203245,204731.52578265942]
["2063-02-28",93.089954337898206,93,1,3,2064,3,41,482,0.45139814243359883,{"$f":"IF(B485=\"\",\"\",1-(1-VLOOKUP(C485,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.1691100489024673E-2},{"$f":"IF(B485=\"\",\"\",1-(1-VLOOKUP(H485,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.7376385198448896E-2,35.435616438356163,381994.42852223862,330498.49544368929,9264.0469167842257,301810.07150059927,198811.02591503834]
["2063-03-31",93.173287671231535,93,1,4,2064,4,41,483,0.45065385095971544,{"$f":"IF(B486=\"\",\"\",1-(1-VLOOKUP(C486,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.1691100489024673E-2},{"$f":"IF(B486=\"\",\"\",1-(1-VLOOKUP(H486,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.6737509190089239E-2,35.435616438356163,381994.42852223862,330498.49544368929,9047.8541187742449,293029.18812796875,193026.80399337359]
["2063-04-30",93.256621004564863,93,1,5,2064,5,41,484,0.4499107867168417,{"$f":"IF(B487=\"\",\"\",1-(1-VLOOKUP(C487,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.1691100489024673E-2},{"$f":"IF(B487=\"\",\"\",1-(1-VLOOKUP(H487,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.6113542474943383E-2,35.435616438356163,381994.42852223862,330498.49544368929,8836.7065592363087,284450.35227053845,187375.67661550856]
["2063-05-31",93.339954337898192,93,1,6,2064,6,41,485,0.44916894768144772,{"$f":"IF(B488=\"\",\"\",1-(1-VLOOKUP(C488,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.1691100489024673E-2},{"$f":"IF(B488=\"\",\"\",1-(1-VLOOKUP(H488,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.5504137118480638E-2,35.435616438356163,381994.42852223862,330498.49544368929,8630.4864986736629,276068.84405511298,181854.53466441648]
["2063-06-30",93.42328767123152,93,1,7,2064,7,41,486,0.44842833183334063,{"$f":"IF(B489=\"\",\"\",1-(1-VLOOKUP(C489,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.1691100489024673E-2},{"$f":"IF(B489=\"\",\"\",1-(1-VLOOKUP(H489,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.4908953305833398E-2,35.435616438356163,381994.42852223862,330498.49544368929,8429.0789452474,267880.05374719575,176460.34157461789]
["2063-07-31",93.506621004564849,93,1,8,2064,8,41,487,0.44768893715565788,{"$f":"IF(B490=\"\",\"\",1-(1-VLOOKUP(C490,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.1691100489024673E-2},{"$f":"IF(B490=\"\",\"\",1-(1-VLOOKUP(H490,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.4327659152310544E-2,35.435616438356163,381994.42852223862,330498.49544368929,8232.3715906550478,259879.47918069622,171190.1316390546]
["2063-08-31",93.589954337898178,93,1,9,2064,9,41,488,0.44695076163486264,{"$f":"IF(B491=\"\",\"\",1-(1-VLOOKUP(C491,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.1691100489024673E-2},{"$f":"IF(B491=\"\",\"\",1-(1-VLOOKUP(H491,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.3759930518332854E-2,35.435616438356163,381994.42852223862,330498.49544368929,8040.2547475055326,252062.7232476192,166041.00835547515]
["2063-09-30",93.673287671231506,93,1,10,2064,10,41,489,0.44621380326073851,{"$f":"IF(B492=\"\",\"\",1-(1-VLOOKUP(C492,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.1691100489024673E-2},{"$f":"IF(B492=\"\",\"\",1-(1-VLOOKUP(H492,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.3205450828687219E-2,35.435616438356163,381994.42852223862,330498.49544368929,7852.6212881556048,244425.49144633688,161010.14281141103]
["2063-10-31",93.756621004564835,93,1,11,2064,11,41,490,0.44547806002638329,{"$f":"IF(B493=\"\",\"\",1-(1-VLOOKUP(C493,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.1691100489024673E-2},{"$f":"IF(B493=\"\",\"\",1-(1-VLOOKUP(H493,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.2663910895998882E-2,35.435616438356163,381994.42852223862,330498.49544368929,7669.3665849736381,236963.58948707613,156094.77210684156]
["2063-11-30",93.839954337898163,93,1,12,2064,12,41,491,0.44474352992820387,{"$f":"IF(B494=\"\",\"\",1-(1-VLOOKUP(C494,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.1691100489024673E-2},{"$f":"IF(B494=\"\",\"\",1-(1-VLOOKUP(H494,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.2135008748323262E-2,35.435616438356163,381994.42852223862,330498.49544368929,7490.3884519974663,229672.92095328591,151292.1978136691]
["2063-12-31",93.923287671231492,93,1,1,2065,1,42,492,0.44401021096591081,{"$f":"IF(B495=\"\",\"\",1-(1-VLOOKUP(C495,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.1691100489024673E-2},{"$f":"IF(B495=\"\",\"\",1-(1-VLOOKUP(H495,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.1618449460761219E-2,35.435616438356163,381994.42852223862,332150.98792090768,7352.1650233935052,222549.48501758085,146599.78447114496]
["2064-01-31",94.006621004564821,94,1,2,2065,2,42,493,0.44327810114251315,{"$f":"IF(B496=\"\",\"\",1-(1-VLOOKUP(C496,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.3866254893764371E-2},{"$f":"IF(B496=\"\",\"\",1-(1-VLOOKUP(H496,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.1067000625608071E-2,35.435616438356163,381994.42852223862,332150.98792090768,7180.5893457100528,215552.73586411311,141990.823377319]
["2064-02-29",94.089954337898149,94,1,3,2065,3,42,494,0.4425471984643124,{"$f":"IF(B497=\"\",\"\",1-(1-VLOOKUP(C497,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.3866254893764371E-2},{"$f":"IF(B497=\"\",\"\",1-(1-VLOOKUP(H497,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.0529618285757636E-2,35.435616438356163,381994.42852223862,332150.98792090768,6997.4250703261005,208716.29005943384,137487.45873715606]
["2064-03-31",94.173287671231478,94,1,4,2065,4,42,495,0.44181750094089733,{"$f":"IF(B498=\"\",\"\",1-(1-VLOOKUP(C498,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.3866254893764371E-2},{"$f":"IF(B498=\"\",\"\",1-(1-VLOOKUP(H498,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.0005943629516996E-2,35.435616438356163,381994.42852223862,332150.98792090768,6818.93299525353,202052.02009476832,133097.51130411521]
["2064-04-30",94.256621004564806,94,1,5,2065,5,42,496,0.44108900658513867,{"$f":"IF(B499=\"\",\"\",1-(1-VLOOKUP(C499,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.3866254893764371E-2},{"$f":"IF(B499=\"\",\"\",1-(1-VLOOKUP(H499,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.9495626997851952E-2,35.435616438356163,381994.42852223862,332150.98792090768,6644.9939408340597,195555.53041568451,128818.0855993221]
["2064-05-31",94.339954337898135,94,1,6,2065,6,42,497,0.44036171341318403,{"$f":"IF(B500=\"\",\"\",1-(1-VLOOKUP(C500,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.3866254893764371E-2},{"$f":"IF(B500=\"\",\"\",1-(1-VLOOKUP(H500,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.8998327650918721E-2,35.435616438356163,381994.42852223862,332150.98792090768,6475.4917674740454,189222.53758462801,124646.35999853339]
["2064-06-30",94.423287671231463,94,1,7,2065,7,42,498,0.43963561944445134,{"$f":"IF(B501=\"\",\"\",1-(1-VLOOKUP(C501,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.3866254893764371E-2},{"$f":"IF(B501=\"\",\"\",1-(1-VLOOKUP(H501,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.851371354055097E-2,35.435616438356163,381994.42852223862,332150.98792090768,6310.3132980977507,183048.86742100673,120579.58484822774]
["2064-07-31",94.506621004564792,94,1,8,2065,8,42,499,0.43891072270162507,{"$f":"IF(B502=\"\",\"\",1-(1-VLOOKUP(C502,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.3866254893764371E-2},{"$f":"IF(B502=\"\",\"\",1-(1-VLOOKUP(H502,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.8041461088550353E-2,35.435616438356163,381994.42852223862,332150.98792090768,6149.3482425786897,177030.4522142268,116615.080629752]
["2064-08-31",94.589954337898121,94,1,9,2065,9,42,500,0.43818702121064945,{"$f":"IF(B503=\"\",\"\",1-(1-VLOOKUP(C503,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.3866254893764371E-2},{"$f":"IF(B503=\"\",\"\",1-(1-VLOOKUP(H503,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.7581254970632423E-2,35.435616438356163,381994.42852223862,332150.98792090768,5992.4891240986144,171163.32800781919,112750.23617029686]
["2064-09-30",94.673287671231449,94,1,10,2065,10,42,501,0.43746451300072381,{"$f":"IF(B504=\"\",\"\",1-(1-VLOOKUP(C504,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.3866254893764371E-2},{"$f":"IF(B504=\"\",\"\",1-(1-VLOOKUP(H504,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.7132787905883722E-2,35.435616438356163,381994.42852223862,332150.98792090768,5839.6312073849276,165443.6319528434,108982.50689950718]
["2064-10-31",94.756621004564778,94,1,11,2065,11,42,502,0.43674319610429713,{"$f":"IF(B505=\"\",\"\",1-(1-VLOOKUP(C505,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.3866254893764371E-2},{"$f":"IF(B505=\"\",\"\",1-(1-VLOOKUP(H505,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.6695760451589468E-2,35.435616438356163,381994.42852223862,332150.98792090768,5690.6724287786574,159867.59972880132,105309.41315056341]
["2064-11-30",94.839954337898106,94,1,12,2065,12,42,503,0.43602306855706247,{"$f":"IF(B506=\"\",\"\",1-(1-VLOOKUP(C506,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.3866254893764371E-2},{"$f":"IF(B506=\"\",\"\",1-(1-VLOOKUP(H506,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.6269880803294803E-2,35.435616438356163,381994.42852223862,332150.98792090768,5545.513328086261,154431.56303033888,101728.53850459929]
["2064-12-31",94.923287671231435,94,1,1,2066,1,43,504,0.43530412839795152,{"$f":"IF(B507=\"\",\"\",1-(1-VLOOKUP(C507,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.3866254893764371E-2},{"$f":"IF(B507=\"\",\"\",1-(1-VLOOKUP(H507,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.5854864599966149E-2,35.435616438356163,381994.42852223862,333811.74286051217,5431.0772670806282,149131.94711805761,98237.528177350468]
["2065-01-31",95.006621004564764,95,1,2,2066,2,43,505,0.43458637366913039,{"$f":"IF(B508=\"\",\"\",1-(1-VLOOKUP(C508,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6170011797993831E-2},{"$f":"IF(B508=\"\",\"\",1-(1-VLOOKUP(H508,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.5413970421859479E-2,35.435616438356163,381994.42852223862,333811.74286051217,5292.5399849321375,143938.20352069251,94816.259006981621]
["2065-02-28",95.089954337898092,95,1,3,2066,3,43,506,0.43386980241599232,{"$f":"IF(B509=\"\",\"\",1-(1-VLOOKUP(C509,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6170011797993831E-2},{"$f":"IF(B509=\"\",\"\",1-(1-VLOOKUP(H509,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.4985336687546744E-2,35.435616438356163,381994.42852223862,333811.74286051217,5145.3643309212966,138874.64812124835,91480.748569122938]
["2065-03-31",95.173287671231421,95,1,4,2066,4,43,507,0.43315441268715404,{"$f":"IF(B510=\"\",\"\",1-(1-VLOOKUP(C510,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6170011797993831E-2},{"$f":"IF(B510=\"\",\"\",1-(1-VLOOKUP(H510,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.4568622456980448E-2,35.435616438356163,381994.42852223862,333811.74286051217,5002.281357021553,133950.14857495434,88236.838244828439]
["2065-04-30",95.256621004564749,95,1,5,2066,5,43,508,0.43244020253444954,{"$f":"IF(B511=\"\",\"\",1-(1-VLOOKUP(C511,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6170011797993831E-2},{"$f":"IF(B511=\"\",\"\",1-(1-VLOOKUP(H511,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.4163496271019168E-2,35.435616438356163,381994.42852223862,333811.74286051217,4863.1772534414404,129160.83510435242,85081.978899728056]
["2065-05-31",95.339954337898078,95,1,6,2066,6,43,509,0.43172717001292515,{"$f":"IF(B512=\"\",\"\",1-(1-VLOOKUP(C512,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6170011797993831E-2},{"$f":"IF(B512=\"\",\"\",1-(1-VLOOKUP(H512,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.3769635887781254E-2,35.435616438356163,381994.42852223862,333811.74286051217,4727.941375227274,124502.94553849002,82013.692282970078]
["2065-06-30",95.423287671231407,95,1,7,2066,7,43,510,0.43101531318083469,{"$f":"IF(B513=\"\",\"\",1-(1-VLOOKUP(C513,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6170011797993831E-2},{"$f":"IF(B513=\"\",\"\",1-(1-VLOOKUP(H513,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.3386728026330048E-2,35.435616438356163,381994.42852223862,333811.74286051217,4596.4661542549156,119972.8223205762,79029.569056077729]
["2065-07-31",95.506621004564735,95,1,8,2066,8,43,511,0.43030463009963221,{"$f":"IF(B514=\"\",\"\",1-(1-VLOOKUP(C514,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6170011797993831E-2},{"$f":"IF(B514=\"\",\"\",1-(1-VLOOKUP(H514,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.3014468117486744E-2,35.435616438356163,381994.42852223862,333811.74286051217,4468.6470136688977,115566.90959884928,76127.26687661944]
["2065-08-31",95.589954337898064,95,{"$f":"IF(C515=\"\",\"\",IF(C515>=Retire_age,1,0))","v":1},9,2066,9,43,512,0.42959511883396995,{"$f":"IF(B515=\"\",\"\",1-(1-VLOOKUP(C515,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6170011797993831E-2},{"$f":"IF(B515=\"\",\"\",1-(1-VLOOKUP(H515,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.2652560061572657E-2,{"$f":"IF(B515=\"\",\"\",IF(retire_indicator=1,N514,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":35.435616438356163},{"$f":"IF(B515=\"\",\"\",IF(retire_indicator=1,O514,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":381994.42852223862},{"$f":"IF(B515=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":333811.74286051217},{"$f":"IF(B515=\"\",\"\",M514*Pension_PP)","v":4344.3822847008187},{"$f":"IF(B515=\"\",0,Pension_CF+R516/(1+Disc_Rate_Month))","v":111281.75039834189},{"$f":"PVCF*current_service/except_service","v":73304.508535168774}]
[{"$f":"IF(B516=\"\",\"\",EOMONTH(A515,1))","v":"2065-09-30"},{"$f":"IF(B515=\"\",\"\", IF(B515+1/12>Max_age,\"\",B515+1/12))","v":95.673287671231392},{"$f":"IF(B516=\"\",\"\",INT(B516))","v":95},1,10,2066,10,43,{"$f":"IF(B516=\"\",\"\",I515+1)","v":513},{"$f":"IF(B516=\"\",\"\",(1+Disc_Rate_Month)^(-I516))","v":0.4288867774516899},{"$f":"IF(B516=\"\",\"\",1-(1-VLOOKUP(C516,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6170011797993831E-2},{"$f":"IF(B516=\"\",\"\",1-(1-VLOOKUP(H516,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},{"$f":"IF(B516=\"\",\"\",M515*(1-K516)*(1-L516))","v":1.2300715992888255E-2},35.435616438356163,381994.42852223862,333811.74286051217,4223.5731258008782,107113.98387129413,70559.080144071908]
["2065-10-31",95.756621004564721,95,1,{"$f":"IF(B517=\"\",\"\",IF(E516=12,1,E516+1))","v":11},{"$f":"IF(B517=\"\",\"\",IF(E516=12,F516+1,F516))","v":2066},{"$f":"IF(B517=\"\",\"\",IF(G516=12,1,G516+1))","v":11},{"$f":"IF(B517=\"\",\"\",IF(G516=12,H516+1,H516))","v":43},514,0.42817960402382066,{"$f":"IF(B517=\"\",\"\",1-(1-VLOOKUP(C517,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6170011797993831E-2},{"$f":"IF(B517=\"\",\"\",1-(1-VLOOKUP(H517,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.1958656050741562E-2,35.435616438356163,381994.42852223862,333811.74286051217,4106.1234440182034,103060.3426240274,67888.829376582144]
["2065-11-30",95.83995433789805,95,1,12,2066,12,43,515,0.42747359662457091,{"$f":"IF(B518=\"\",\"\",1-(1-VLOOKUP(C518,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6170011797993831E-2},{"$f":"IF(B518=\"\",\"\",1-(1-VLOOKUP(H518,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.1626108156843853E-2,35.435616438356163,381994.42852223862,333811.74286051217,3991.9398185674504,99117.650118153018,65291.663754960857]
["2065-12-31",95.923287671231378,95,1,1,2067,1,44,516,0.42676875333132508,{"$f":"IF(B519=\"\",\"\",1-(1-VLOOKUP(C519,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.6170011797993831E-2},{"$f":"IF(B519=\"\",\"\",1-(1-VLOOKUP(H519,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.130280779889555E-2,35.435616438356163,381994.42852223862,335480.80157481466,3900.3360836534671,95282.818144048244,62765.548986183021]
["2066-01-31",96.006621004564707,96,1,2,2067,2,44,517,0.42606507222463758,{"$f":"IF(B520=\"\",\"\",1-(1-VLOOKUP(C520,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8593470968546031E-2},{"$f":"IF(B520=\"\",\"\",1-(1-VLOOKUP(H520,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.0961152004046142E-2,35.435616438356163,381994.42852223862,335480.80157481466,3791.8750204195458,91533.407659088785,60295.703823676857]
["2066-02-28",96.089954337898035,96,1,3,2067,3,44,518,0.42536255138822782,{"$f":"IF(B521=\"\",\"\",1-(1-VLOOKUP(C521,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8593470968546031E-2},{"$f":"IF(B521=\"\",\"\",1-(1-VLOOKUP(H521,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.062982361493795E-2,35.435616438356163,381994.42852223862,335480.80157481466,3677.2560605007857,87886.444913377098,57893.343950979812]
["2066-03-31",96.173287671231364,96,1,4,2067,4,44,519,0.42466118890897453,{"$f":"IF(B522=\"\",\"\",1-(1-VLOOKUP(C522,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8593470968546031E-2},{"$f":"IF(B522=\"\",\"\",1-(1-VLOOKUP(H522,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},1.0308510459756675E-2,35.435616438356163,381994.42852223862,335480.80157481466,3566.1017469382773,84348.267174635592,55562.643909687278]
["2066-04-30",96.256621004564693,96,1,5,2067,5,44,520,0.4239609828769112,{"$f":"IF(B523=\"\",\"\",1-(1-VLOOKUP(C523,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8593470968546031E-2},{"$f":"IF(B523=\"\",\"\",1-(1-VLOOKUP(H523,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},9.9969098028662908E-3,35.435616438356163,381994.42852223862,335480.80157481466,3458.3073520815306,80915.583741646318,53301.43601970208]
["2066-05-31",96.339954337898021,96,1,6,2067,6,44,521,0.42326193138522078,{"$f":"IF(B524=\"\",\"\",1-(1-VLOOKUP(C524,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8593470968546031E-2},{"$f":"IF(B524=\"\",\"\",1-(1-VLOOKUP(H524,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},9.6947280595768154E-3,35.435616438356163,381994.42852223862,335480.80157481466,3353.7713139367056,77585.203378947466,51107.618121898289]
["2066-06-30",96.42328767123135,96,1,7,2067,7,44,522,0.42256403253022984,{"$f":"IF(B525=\"\",\"\",1-(1-VLOOKUP(C525,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8593470968546031E-2},{"$f":"IF(B525=\"\",\"\",1-(1-VLOOKUP(H525,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},9.4016805195339549E-3,35.435616438356163,381994.42852223862,335480.80157481466,3252.3951404766776,74354.031310224091,48979.151597580742]
["2066-07-31",96.506621004564678,96,1,8,2067,8,44,523,0.42186728441140414,{"$f":"IF(B526=\"\",\"\",1-(1-VLOOKUP(C526,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8593470968546031E-2},{"$f":"IF(B526=\"\",\"\",1-(1-VLOOKUP(H526,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},9.1174910784699876E-3,35.435616438356163,381994.42852223862,335480.80157481466,3154.0833168435711,71219.066302581312,46914.059447811414]
["2066-08-31",96.589954337898007,96,1,9,2067,9,44,524,0.42117168513134295,{"$f":"IF(B527=\"\",\"\",1-(1-VLOOKUP(C527,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8593470968546031E-2},{"$f":"IF(B527=\"\",\"\",1-(1-VLOOKUP(H527,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},8.8418919780631437E-3,35.435616438356163,381994.42852223862,335480.80157481466,3058.7432153563327,68177.3978389525,44910.424430792897]
["2066-09-30",96.673287671231336,96,1,10,2067,10,44,525,0.42047723279577426,{"$f":"IF(B528=\"\",\"\",1-(1-VLOOKUP(C528,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8593470968546031E-2},{"$f":"IF(B528=\"\",\"\",1-(1-VLOOKUP(H528,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},8.5746235536604074E-3,35.435616438356163,381994.42852223862,335480.80157481466,2966.2850082385471,65226.203375978708,42966.387255554248]
["2066-10-31",96.756621004564664,96,1,11,2067,11,44,526,0.41978392551354954,{"$f":"IF(B529=\"\",\"\",1-(1-VLOOKUP(C529,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8593470968546031E-2},{"$f":"IF(B529=\"\",\"\",1-(1-VLOOKUP(H529,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},8.3154339896260119E-3,35.435616438356163,381994.42852223862,335480.80157481466,2876.6215829842795,62362.7456847754,41080.144830237085]
["2066-11-30",96.839954337897993,96,1,12,2067,12,44,527,0.41909176139663806,{"$f":"IF(B530=\"\",\"\",1-(1-VLOOKUP(C530,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8593470968546031E-2},{"$f":"IF(B530=\"\",\"\",1-(1-VLOOKUP(H530,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},8.0640790820851547E-3,35.435616438356163,381994.42852223862,335480.80157481466,2789.6684602821933,59584.370272081345,39249.948563331767]
["2066-12-31",96.923287671231321,96,1,1,2068,1,45,528,0.4184007385601225,{"$f":"IF(B531=\"\",\"\",1-(1-VLOOKUP(C531,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":2.8593470968546031E-2},{"$f":"IF(B531=\"\",\"\",1-(1-VLOOKUP(H531,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},7.82032200883938E-3,35.435616438356163,381994.42852223862,337158.20558268868,2718.8704329927259,56888.502879359658,37474.102716262896]
["2067-01-31",97.00662100456465,97,1,2,2068,2,45,529,0.41771085512219358,{"$f":"IF(B532=\"\",\"\",1-(1-VLOOKUP(C532,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.1124836652586696E-2},{"$f":"IF(B532=\"\",\"\",1-(1-VLOOKUP(H532,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},7.5641703113189093E-3,35.435616438356163,381994.42852223862,337158.20558268868,2636.6857355790926,54259.097998447243,35742.037648582846]
["2067-02-28",97.089954337897979,97,1,3,2068,3,45,530,0.41702210920414468,{"$f":"IF(B533=\"\",\"\",1-(1-VLOOKUP(C533,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.1124836652586696E-2},{"$f":"IF(B533=\"\",\"\",1-(1-VLOOKUP(H533,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},7.3164087660285452E-3,35.435616438356163,381994.42852223862,337158.20558268868,2550.322088886131,51707.670873721523,34061.338784916297]
["2067-03-31",97.173287671231307,97,1,4,2068,4,45,531,0.41633449893036695,{"$f":"IF(B534=\"\",\"\",1-(1-VLOOKUP(C534,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.1124836652586696E-2},{"$f":"IF(B534=\"\",\"\",1-(1-VLOOKUP(H534,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},7.0767625566968148E-3,35.435616438356163,381994.42852223862,337158.20558268868,2466.7872508636378,49238.536142940393,32434.848301983311]
["2067-04-30",97.256621004564636,97,1,5,2068,5,45,532,0.41564802242834414,{"$f":"IF(B535=\"\",\"\",1-(1-VLOOKUP(C535,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.1124836652586696E-2},{"$f":"IF(B535=\"\",\"\",1-(1-VLOOKUP(H535,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},6.8449658685555527E-3,35.435616438356163,381994.42852223862,337158.20558268868,2385.9885649506582,46848.99623800502,30860.789233632502]
["2067-05-31",97.339954337897964,97,1,6,2068,6,45,533,0.4149626778286476,{"$f":"IF(B536=\"\",\"\",1-(1-VLOOKUP(C536,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.1124836652586696E-2},{"$f":"IF(B536=\"\",\"\",1-(1-VLOOKUP(H536,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},6.6207615934990582E-3,35.435616438356163,381994.42852223862,337158.20558268868,2307.8364095169404,44536.441945154307,29337.44281527097]
["2067-06-30",97.423287671231293,97,1,7,2068,7,45,534,0.41427846326493112,{"$f":"IF(B537=\"\",\"\",1-(1-VLOOKUP(C537,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.1124836652586696E-2},{"$f":"IF(B537=\"\",\"\",1-(1-VLOOKUP(H537,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},6.4039010449006492E-3,35.435616438356163,381994.42852223862,337158.20558268868,2232.2440984549248,42298.349510946195,27863.146577490457]
["2067-07-31",97.506621004564622,97,1,8,2068,8,45,535,0.41359537687392556,{"$f":"IF(B538=\"\",\"\",1-(1-VLOOKUP(C538,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.1124836652586696E-2},{"$f":"IF(B538=\"\",\"\",1-(1-VLOOKUP(H538,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},6.1941436817702956E-3,35.435616438356163,381994.42852223862,337158.20558268868,2159.1277850278079,40132.277843031305,26436.292502135977]
["2067-08-31",97.58995433789795,97,1,9,2068,9,45,536,0.41291341679543403,{"$f":"IF(B539=\"\",\"\",1-(1-VLOOKUP(C539,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.1124836652586696E-2},{"$f":"IF(B539=\"\",\"\",1-(1-VLOOKUP(H539,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.991256841947362E-3,35.435616438356163,381994.42852223862,337158.20558268868,2088.4063688670217,38035.865802614309,25055.325238771758]
["2067-09-30",97.673287671231279,97,1,10,2068,10,45,537,0.41223258117232758,{"$f":"IF(B540=\"\",\"\",1-(1-VLOOKUP(C540,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.1124836652586696E-2},{"$f":"IF(B540=\"\",\"\",1-(1-VLOOKUP(H540,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.7950154840325221E-3,35.435616438356163,381994.42852223862,337158.20558268868,2020.0014060159788,36006.829585599604,23718.740379566156]
["2067-10-31",97.756621004564607,97,1,11,2068,11,45,538,0.41155286815053854,{"$f":"IF(B541=\"\",\"\",1-(1-VLOOKUP(C541,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.1124836652586696E-2},{"$f":"IF(B541=\"\",\"\",1-(1-VLOOKUP(H541,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.6052019377725972E-3,35.435616438356163,381994.42852223862,337158.20558268868,1953.8370219203011,34042.960189516598,22425.082790682034]
["2067-11-30",97.839954337897936,97,1,12,2068,12,45,539,0.41087427587905667,{"$f":"IF(B542=\"\",\"\",1-(1-VLOOKUP(C542,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.1124836652586696E-2},{"$f":"IF(B542=\"\",\"\",1-(1-VLOOKUP(H542,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.4216056626214459E-3,35.435616438356163,381994.42852223862,337158.20558268868,1889.8398272680183,32142.120963414916,21172.944998321873]
["2067-12-31",97.923287671231265,97,1,1,2069,1,46,540,0.4101968025099238,{"$f":"IF(B543=\"\",\"\",1-(1-VLOOKUP(C543,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.1124836652586696E-2},{"$f":"IF(B543=\"\",\"\",1-(1-VLOOKUP(H543,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.244023014209097E-3,35.435616438356163,381994.42852223862,338843.99661060207,1837.0785307693222,30302.245238011794,19960.965627637273]
["2068-01-31",98.006621004564593,98,1,2,2069,2,46,541,0.40952044619822875,{"$f":"IF(B544=\"\",\"\",1-(1-VLOOKUP(C544,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.3749508574585474E-2},{"$f":"IF(B544=\"\",\"\",1-(1-VLOOKUP(H544,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},5.058516331237284E-3,35.435616438356163,381994.42852223862,338843.99661060207,1776.9057164525866,28512.179244332194,18781.797368309133]
["2068-02-29",98.089954337897922,98,1,3,2069,3,46,542,0.40884520510210254,{"$f":"IF(B545=\"\",\"\",1-(1-VLOOKUP(C545,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.3749508574585474E-2},{"$f":"IF(B545=\"\",\"\",1-(1-VLOOKUP(H545,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.8795719248485372E-3,35.435616438356163,381994.42852223862,338843.99661060207,1714.0478905964414,26779.429005739974,17640.384655087721]
["2068-03-31",98.17328767123125,98,1,4,2069,4,46,543,0.40817107738271258,{"$f":"IF(B546=\"\",\"\",1-(1-VLOOKUP(C546,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.3749508574585474E-2},{"$f":"IF(B546=\"\",\"\",1-(1-VLOOKUP(H546,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.7069576552985484E-3,35.435616438356163,381994.42852223862,338843.99661060207,1653.4136527645667,25106.778629918808,16538.561460252688]
["2068-04-30",98.256621004564579,98,1,5,2069,5,46,544,0.40749806120425885,{"$f":"IF(B547=\"\",\"\",1-(1-VLOOKUP(C547,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.3749508574585474E-2},{"$f":"IF(B547=\"\",\"\",1-(1-VLOOKUP(H547,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.5404495947585222E-3,35.435616438356163,381994.42852223862,338843.99661060207,1594.9243437982288,23492.100116217618,15474.926008208915]
["2068-05-31",98.339954337897908,98,1,6,2069,6,46,545,0.4068261547339681,{"$f":"IF(B548=\"\",\"\",1-(1-VLOOKUP(C548,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.3749508574585474E-2},{"$f":"IF(B548=\"\",\"\",1-(1-VLOOKUP(H548,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.3798317368196589E-3,35.435616438356163,381994.42852223862,338843.99661060207,1538.5040870969663,21933.340738489977,14448.126108855313]
["2068-06-30",98.423287671231236,98,1,7,2069,7,46,546,0.40615535614208909,{"$f":"IF(B549=\"\",\"\",1-(1-VLOOKUP(C549,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.3749508574585474E-2},{"$f":"IF(B549=\"\",\"\",1-(1-VLOOKUP(H549,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.2248957162738703E-3,35.435616438356163,381994.42852223862,338843.99661060207,1484.0796901859278,20428.520382262166,13456.85740350036]
["2068-07-31",98.506621004564565,98,1,8,2069,8,46,547,0.40548566360188759,{"$f":"IF(B550=\"\",\"\",1-(1-VLOOKUP(C550,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.3749508574585474E-2},{"$f":"IF(B550=\"\",\"\",1-(1-VLOOKUP(H550,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},4.0754405388072259E-3,35.435616438356163,381994.42852223862,338843.99661060207,1431.5805497652505,18975.728976098606,12499.861672828214]
["2068-08-31",98.589954337897893,98,1,9,2069,9,46,548,0.40481707528964106,{"$f":"IF(B551=\"\",\"\",1-(1-VLOOKUP(C551,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.3749508574585474E-2},{"$f":"IF(B551=\"\",\"\",1-(1-VLOOKUP(H551,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.9312723202554606E-3,35.435616438356163,381994.42852223862,338843.99661060207,1380.938560118306,17573.124013832399,11575.925204720277]
["2068-09-30",98.673287671231222,98,1,10,2069,10,46,549,0.40414958938463469,{"$f":"IF(B552=\"\",\"\",1-(1-VLOOKUP(C552,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.3749508574585474E-2},{"$f":"IF(B552=\"\",\"\",1-(1-VLOOKUP(H552,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.792204035083283E-3,35.435616438356163,381994.42852223862,338843.99661060207,1332.0880247599951,16218.928164446672,10683.87721981488]
["2068-10-31",98.756621004564551,98,1,11,2069,11,46,550,0.40348320406915533,{"$f":"IF(B553=\"\",\"\",1-(1-VLOOKUP(C553,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.3749508574585474E-2},{"$f":"IF(B553=\"\",\"\",1-(1-VLOOKUP(H553,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.6580552737612041E-3,35.435616438356163,381994.42852223862,338843.99661060207,1284.9655712104714,14911.42696650606,9822.5883527626138]
["2068-11-30",98.839954337897879,98,1,12,2069,12,46,551,0.40281791752848684,{"$f":"IF(B554=\"\",\"\",1-(1-VLOOKUP(C554,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.3749508574585474E-2},{"$f":"IF(B554=\"\",\"\",1-(1-VLOOKUP(H554,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.5286520087251271E-3,35.435616438356163,381994.42852223862,338843.99661060207,1239.5100687837364,13648.966604147396,8990.969187207038]
["2068-12-31",98.923287671231208,98,1,1,2070,1,47,552,0.40215372795090548,{"$f":"IF(B555=\"\",\"\",1-(1-VLOOKUP(C555,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.3749508574585474E-2},{"$f":"IF(B555=\"\",\"\",1-(1-VLOOKUP(H555,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.403826368615089E-3,35.435616438356163,381994.42852223862,340538.21659365506,1201.6408620308734,12429.951761744458,8187.9688425902887]
["2069-01-31",99.006621004564536,99,1,2,2070,2,47,553,0.40149063352767511,{"$f":"IF(B556=\"\",\"\",1-(1-VLOOKUP(C556,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.6450339641883489E-2},{"$f":"IF(B556=\"\",\"\",1-(1-VLOOKUP(H556,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.2742387247018741E-3,35.435616438356163,381994.42852223862,340538.21659365506,1159.1329611626395,11246.855368047698,7408.6290193108389]
["2069-02-28",99.089954337897865,99,1,3,2070,3,47,554,0.4008286324530414,{"$f":"IF(B557=\"\",\"\",1-(1-VLOOKUP(C557,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.6450339641883489E-2},{"$f":"IF(B557=\"\",\"\",1-(1-VLOOKUP(H557,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.1495846336895409E-3,35.435616438356163,381994.42852223862,340538.21659365506,1115.0034160118598,10104.383100591233,6656.0494833027142]
["2069-03-31",99.173287671231193,99,1,4,2070,4,47,555,0.40016772292422786,{"$f":"IF(B558=\"\",\"\",1-(1-VLOOKUP(C558,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.6450339641883489E-2},{"$f":"IF(B558=\"\",\"\",1-(1-VLOOKUP(H558,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},3.0296762694590955E-3,35.435616438356163,381994.42852223862,340538.21659365506,1072.5539341674166,9004.2263759822854,5931.3444196203091]
["2069-04-30",99.256621004564522,99,1,5,2070,5,47,556,0.39950790314142998,{"$f":"IF(B559=\"\",\"\",1-(1-VLOOKUP(C559,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.6450339641883489E-2},{"$f":"IF(B559=\"\",\"\",1-(1-VLOOKUP(H559,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.9143329566511857E-3,35.435616438356163,381994.42852223862,340538.21659365506,1031.7205536577183,7944.7722437127268,5233.4513310988432]
["2069-05-31",99.339954337897851,99,1,6,2070,6,47,557,0.39884917130781161,{"$f":"IF(B560=\"\",\"\",1-(1-VLOOKUP(C560,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.6450339641883489E-2},{"$f":"IF(B560=\"\",\"\",1-(1-VLOOKUP(H560,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.8033808984283337E-3,35.435616438356163,381994.42852223862,340538.21659365506,992.44174761810859,6924.4691569655115,4561.3481689613545]
["2069-06-30",99.423287671231179,99,1,7,2070,7,47,558,0.39819152562949894,{"$f":"IF(B561=\"\",\"\",1-(1-VLOOKUP(C561,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.6450339641883489E-2},{"$f":"IF(B561=\"\",\"\",1-(1-VLOOKUP(H561,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.6966529146015771E-3,35.435616438356163,381994.42852223862,340538.21659365506,954.65833158350324,5941.8246348991588,3914.0517928978529]
["2069-07-31",99.506621004564508,99,1,8,2070,8,47,559,0.39753496431557589,{"$f":"IF(B562=\"\",\"\",1-(1-VLOOKUP(C562,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.6450339641883489E-2},{"$f":"IF(B562=\"\",\"\",1-(1-VLOOKUP(H562,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.5939881897269344E-3,35.435616438356163,381994.42852223862,340538.21659365506,918.31337431050304,4995.4030139317783,3290.6164897710491]
["2069-08-31",99.589954337897836,99,1,9,2070,9,47,560,0.39687948557807934,{"$f":"IF(B563=\"\",\"\",1-(1-VLOOKUP(C563,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.6450339641883489E-2},{"$f":"IF(B563=\"\",\"\",1-(1-VLOOKUP(H563,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.4952320307921332E-3,35.435616438356163,381994.42852223862,340538.21659365506,883.35211199461401,4083.8232846363267,2690.1325487166778]
["2069-09-30",99.673287671231165,99,1,10,2070,10,47,561,0.39622508763199471,{"$f":"IF(B564=\"\",\"\",1-(1-VLOOKUP(C564,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.6450339641883489E-2},{"$f":"IF(B564=\"\",\"\",1-(1-VLOOKUP(H564,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.4002356341284864E-3,35.435616438356163,381994.42852223862,340538.21659365506,849.72186575331716,3205.7570109877825,2111.7248904914109]
["2069-10-31",99.756621004564494,99,1,11,2070,11,47,562,0.39557176869525007,{"$f":"IF(B565=\"\",\"\",1-(1-VLOOKUP(C565,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.6450339641883489E-2},{"$f":"IF(B565=\"\",\"\",1-(1-VLOOKUP(H565,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.3088558611967062E-3,35.435616438356163,381994.42852223862,340538.21659365506,817.37196225065554,2359.9263288270013,1554.5517490030968]
["2069-11-30",99.839954337897822,99,1,12,2070,12,47,563,0.39491952698871235,{"$f":"IF(B566=\"\",\"\",1-(1-VLOOKUP(C566,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.6450339641883489E-2},{"$f":"IF(B566=\"\",\"\",1-(1-VLOOKUP(H566,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.2209550229088139E-3,35.435616438356163,381994.42852223862,340538.21659365506,786.25365734373395,1545.1020205253783,1017.8034030366648]
["2069-12-31",99.923287671231151,99,1,1,2071,1,48,564,0.39426836073618171,{"$f":"IF(B567=\"\",\"\",1-(1-VLOOKUP(C567,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":3.6450339641883489E-2},{"$f":"IF(B567=\"\",\"\",1-(1-VLOOKUP(H567,Lapse!$B$3:$C$43,2))^(1/12))","v":1.6821425527395739E-3},2.1364006721611658E-3,35.435616438356163,381994.42852223862,342240.9076766232,760.10166294926796,760.10166294926796,500.70095626471033]
["","","","","","","","","","",{"$f":"IF(B568=\"\",\"\",1-(1-VLOOKUP(C568,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B568=\"\",\"\",1-(1-VLOOKUP(H568,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B569=\"\",\"\",1-(1-VLOOKUP(C569,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B569=\"\",\"\",1-(1-VLOOKUP(H569,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B570=\"\",\"\",1-(1-VLOOKUP(C570,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B570=\"\",\"\",1-(1-VLOOKUP(H570,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B571=\"\",\"\",1-(1-VLOOKUP(C571,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B571=\"\",\"\",1-(1-VLOOKUP(H571,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B572=\"\",\"\",1-(1-VLOOKUP(C572,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B572=\"\",\"\",1-(1-VLOOKUP(H572,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B573=\"\",\"\",1-(1-VLOOKUP(C573,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B573=\"\",\"\",1-(1-VLOOKUP(H573,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B574=\"\",\"\",1-(1-VLOOKUP(C574,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B574=\"\",\"\",1-(1-VLOOKUP(H574,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B575=\"\",\"\",1-(1-VLOOKUP(C575,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B575=\"\",\"\",1-(1-VLOOKUP(H575,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B576=\"\",\"\",1-(1-VLOOKUP(C576,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B576=\"\",\"\",1-(1-VLOOKUP(H576,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B577=\"\",\"\",1-(1-VLOOKUP(C577,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B577=\"\",\"\",1-(1-VLOOKUP(H577,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B578=\"\",\"\",1-(1-VLOOKUP(C578,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B578=\"\",\"\",1-(1-VLOOKUP(H578,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","",{"$f":"IF(C579=\"\",\"\",IF(C579>=Retire_age,1,0))","v":""},"","","","","","",{"$f":"IF(B579=\"\",\"\",1-(1-VLOOKUP(C579,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B579=\"\",\"\",1-(1-VLOOKUP(H579,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"",{"$f":"IF(B579=\"\",\"\",IF(retire_indicator=1,N578,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":""},{"$f":"IF(B579=\"\",\"\",IF(retire_indicator=1,O578,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":""},{"$f":"IF(B579=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":""},{"$f":"IF(B579=\"\",\"\",M578*Pension_PP)","v":""},{"$f":"IF(B579=\"\",0,Pension_CF+R580/(1+Disc_Rate_Month))","v":0},{"$f":"PVCF*current_service/except_service","v":0}]
[{"$f":"IF(B580=\"\",\"\",EOMONTH(A579,1))","v":""},{"$f":"IF(B579=\"\",\"\", IF(B579+1/12>Max_age,\"\",B579+1/12))","v":""},{"$f":"IF(B580=\"\",\"\",INT(B580))","v":""},"","","","","",{"$f":"IF(B580=\"\",\"\",I579+1)","v":""},{"$f":"IF(B580=\"\",\"\",(1+Disc_Rate_Month)^(-I580))","v":""},{"$f":"IF(B580=\"\",\"\",1-(1-VLOOKUP(C580,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B580=\"\",\"\",1-(1-VLOOKUP(H580,Lapse!$B$3:$C$43,2))^(1/12))","v":""},{"$f":"IF(B580=\"\",\"\",M579*(1-K580)*(1-L580))","v":""},"","","","",0,0]
["","","","",{"$f":"IF(B581=\"\",\"\",IF(E580=12,1,E580+1))","v":""},{"$f":"IF(B581=\"\",\"\",IF(E580=12,F580+1,F580))","v":""},{"$f":"IF(B581=\"\",\"\",IF(G580=12,1,G580+1))","v":""},{"$f":"IF(B581=\"\",\"\",IF(G580=12,H580+1,H580))","v":""},"","",{"$f":"IF(B581=\"\",\"\",1-(1-VLOOKUP(C581,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B581=\"\",\"\",1-(1-VLOOKUP(H581,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B582=\"\",\"\",1-(1-VLOOKUP(C582,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B582=\"\",\"\",1-(1-VLOOKUP(H582,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B583=\"\",\"\",1-(1-VLOOKUP(C583,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B583=\"\",\"\",1-(1-VLOOKUP(H583,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B584=\"\",\"\",1-(1-VLOOKUP(C584,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B584=\"\",\"\",1-(1-VLOOKUP(H584,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B585=\"\",\"\",1-(1-VLOOKUP(C585,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B585=\"\",\"\",1-(1-VLOOKUP(H585,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B586=\"\",\"\",1-(1-VLOOKUP(C586,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B586=\"\",\"\",1-(1-VLOOKUP(H586,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B587=\"\",\"\",1-(1-VLOOKUP(C587,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B587=\"\",\"\",1-(1-VLOOKUP(H587,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B588=\"\",\"\",1-(1-VLOOKUP(C588,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B588=\"\",\"\",1-(1-VLOOKUP(H588,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B589=\"\",\"\",1-(1-VLOOKUP(C589,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B589=\"\",\"\",1-(1-VLOOKUP(H589,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B590=\"\",\"\",1-(1-VLOOKUP(C590,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B590=\"\",\"\",1-(1-VLOOKUP(H590,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B591=\"\",\"\",1-(1-VLOOKUP(C591,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B591=\"\",\"\",1-(1-VLOOKUP(H591,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B592=\"\",\"\",1-(1-VLOOKUP(C592,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B592=\"\",\"\",1-(1-VLOOKUP(H592,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B593=\"\",\"\",1-(1-VLOOKUP(C593,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B593=\"\",\"\",1-(1-VLOOKUP(H593,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B594=\"\",\"\",1-(1-VLOOKUP(C594,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B594=\"\",\"\",1-(1-VLOOKUP(H594,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B595=\"\",\"\",1-(1-VLOOKUP(C595,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B595=\"\",\"\",1-(1-VLOOKUP(H595,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B596=\"\",\"\",1-(1-VLOOKUP(C596,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B596=\"\",\"\",1-(1-VLOOKUP(H596,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B597=\"\",\"\",1-(1-VLOOKUP(C597,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B597=\"\",\"\",1-(1-VLOOKUP(H597,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B598=\"\",\"\",1-(1-VLOOKUP(C598,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B598=\"\",\"\",1-(1-VLOOKUP(H598,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B599=\"\",\"\",1-(1-VLOOKUP(C599,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B599=\"\",\"\",1-(1-VLOOKUP(H599,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B600=\"\",\"\",1-(1-VLOOKUP(C600,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B600=\"\",\"\",1-(1-VLOOKUP(H600,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B601=\"\",\"\",1-(1-VLOOKUP(C601,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B601=\"\",\"\",1-(1-VLOOKUP(H601,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B602=\"\",\"\",1-(1-VLOOKUP(C602,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B602=\"\",\"\",1-(1-VLOOKUP(H602,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B603=\"\",\"\",1-(1-VLOOKUP(C603,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B603=\"\",\"\",1-(1-VLOOKUP(H603,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B604=\"\",\"\",1-(1-VLOOKUP(C604,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B604=\"\",\"\",1-(1-VLOOKUP(H604,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B605=\"\",\"\",1-(1-VLOOKUP(C605,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B605=\"\",\"\",1-(1-VLOOKUP(H605,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B606=\"\",\"\",1-(1-VLOOKUP(C606,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B606=\"\",\"\",1-(1-VLOOKUP(H606,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B607=\"\",\"\",1-(1-VLOOKUP(C607,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B607=\"\",\"\",1-(1-VLOOKUP(H607,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B608=\"\",\"\",1-(1-VLOOKUP(C608,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B608=\"\",\"\",1-(1-VLOOKUP(H608,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B609=\"\",\"\",1-(1-VLOOKUP(C609,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B609=\"\",\"\",1-(1-VLOOKUP(H609,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B610=\"\",\"\",1-(1-VLOOKUP(C610,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B610=\"\",\"\",1-(1-VLOOKUP(H610,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B611=\"\",\"\",1-(1-VLOOKUP(C611,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B611=\"\",\"\",1-(1-VLOOKUP(H611,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B612=\"\",\"\",1-(1-VLOOKUP(C612,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B612=\"\",\"\",1-(1-VLOOKUP(H612,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B613=\"\",\"\",1-(1-VLOOKUP(C613,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B613=\"\",\"\",1-(1-VLOOKUP(H613,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B614=\"\",\"\",1-(1-VLOOKUP(C614,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B614=\"\",\"\",1-(1-VLOOKUP(H614,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B615=\"\",\"\",1-(1-VLOOKUP(C615,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B615=\"\",\"\",1-(1-VLOOKUP(H615,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B616=\"\",\"\",1-(1-VLOOKUP(C616,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B616=\"\",\"\",1-(1-VLOOKUP(H616,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B617=\"\",\"\",1-(1-VLOOKUP(C617,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B617=\"\",\"\",1-(1-VLOOKUP(H617,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B618=\"\",\"\",1-(1-VLOOKUP(C618,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B618=\"\",\"\",1-(1-VLOOKUP(H618,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B619=\"\",\"\",1-(1-VLOOKUP(C619,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B619=\"\",\"\",1-(1-VLOOKUP(H619,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B620=\"\",\"\",1-(1-VLOOKUP(C620,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B620=\"\",\"\",1-(1-VLOOKUP(H620,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B621=\"\",\"\",1-(1-VLOOKUP(C621,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B621=\"\",\"\",1-(1-VLOOKUP(H621,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B622=\"\",\"\",1-(1-VLOOKUP(C622,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B622=\"\",\"\",1-(1-VLOOKUP(H622,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B623=\"\",\"\",1-(1-VLOOKUP(C623,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B623=\"\",\"\",1-(1-VLOOKUP(H623,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B624=\"\",\"\",1-(1-VLOOKUP(C624,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B624=\"\",\"\",1-(1-VLOOKUP(H624,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B625=\"\",\"\",1-(1-VLOOKUP(C625,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B625=\"\",\"\",1-(1-VLOOKUP(H625,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B626=\"\",\"\",1-(1-VLOOKUP(C626,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B626=\"\",\"\",1-(1-VLOOKUP(H626,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B627=\"\",\"\",1-(1-VLOOKUP(C627,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B627=\"\",\"\",1-(1-VLOOKUP(H627,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B628=\"\",\"\",1-(1-VLOOKUP(C628,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B628=\"\",\"\",1-(1-VLOOKUP(H628,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B629=\"\",\"\",1-(1-VLOOKUP(C629,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B629=\"\",\"\",1-(1-VLOOKUP(H629,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B630=\"\",\"\",1-(1-VLOOKUP(C630,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B630=\"\",\"\",1-(1-VLOOKUP(H630,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B631=\"\",\"\",1-(1-VLOOKUP(C631,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B631=\"\",\"\",1-(1-VLOOKUP(H631,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B632=\"\",\"\",1-(1-VLOOKUP(C632,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B632=\"\",\"\",1-(1-VLOOKUP(H632,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B633=\"\",\"\",1-(1-VLOOKUP(C633,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B633=\"\",\"\",1-(1-VLOOKUP(H633,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B634=\"\",\"\",1-(1-VLOOKUP(C634,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B634=\"\",\"\",1-(1-VLOOKUP(H634,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B635=\"\",\"\",1-(1-VLOOKUP(C635,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B635=\"\",\"\",1-(1-VLOOKUP(H635,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B636=\"\",\"\",1-(1-VLOOKUP(C636,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B636=\"\",\"\",1-(1-VLOOKUP(H636,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B637=\"\",\"\",1-(1-VLOOKUP(C637,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B637=\"\",\"\",1-(1-VLOOKUP(H637,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B638=\"\",\"\",1-(1-VLOOKUP(C638,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B638=\"\",\"\",1-(1-VLOOKUP(H638,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B639=\"\",\"\",1-(1-VLOOKUP(C639,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B639=\"\",\"\",1-(1-VLOOKUP(H639,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B640=\"\",\"\",1-(1-VLOOKUP(C640,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B640=\"\",\"\",1-(1-VLOOKUP(H640,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B641=\"\",\"\",1-(1-VLOOKUP(C641,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B641=\"\",\"\",1-(1-VLOOKUP(H641,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B642=\"\",\"\",1-(1-VLOOKUP(C642,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B642=\"\",\"\",1-(1-VLOOKUP(H642,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","",{"$f":"IF(C643=\"\",\"\",IF(C643>=Retire_age,1,0))","v":""},"","","","","","",{"$f":"IF(B643=\"\",\"\",1-(1-VLOOKUP(C643,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B643=\"\",\"\",1-(1-VLOOKUP(H643,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"",{"$f":"IF(B643=\"\",\"\",IF(retire_indicator=1,N642,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":""},{"$f":"IF(B643=\"\",\"\",IF(retire_indicator=1,O642,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":""},{"$f":"IF(B643=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":""},{"$f":"IF(B643=\"\",\"\",M642*Pension_PP)","v":""},{"$f":"IF(B643=\"\",0,Pension_CF+R644/(1+Disc_Rate_Month))","v":0},{"$f":"PVCF*current_service/except_service","v":0}]
[{"$f":"IF(B644=\"\",\"\",EOMONTH(A643,1))","v":""},{"$f":"IF(B643=\"\",\"\", IF(B643+1/12>Max_age,\"\",B643+1/12))","v":""},{"$f":"IF(B644=\"\",\"\",INT(B644))","v":""},"","","","","",{"$f":"IF(B644=\"\",\"\",I643+1)","v":""},{"$f":"IF(B644=\"\",\"\",(1+Disc_Rate_Month)^(-I644))","v":""},{"$f":"IF(B644=\"\",\"\",1-(1-VLOOKUP(C644,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B644=\"\",\"\",1-(1-VLOOKUP(H644,Lapse!$B$3:$C$43,2))^(1/12))","v":""},{"$f":"IF(B644=\"\",\"\",M643*(1-K644)*(1-L644))","v":""},"","","","",0,0]
["","","","",{"$f":"IF(B645=\"\",\"\",IF(E644=12,1,E644+1))","v":""},{"$f":"IF(B645=\"\",\"\",IF(E644=12,F644+1,F644))","v":""},{"$f":"IF(B645=\"\",\"\",IF(G644=12,1,G644+1))","v":""},{"$f":"IF(B645=\"\",\"\",IF(G644=12,H644+1,H644))","v":""},"","",{"$f":"IF(B645=\"\",\"\",1-(1-VLOOKUP(C645,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B645=\"\",\"\",1-(1-VLOOKUP(H645,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B646=\"\",\"\",1-(1-VLOOKUP(C646,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B646=\"\",\"\",1-(1-VLOOKUP(H646,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B647=\"\",\"\",1-(1-VLOOKUP(C647,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B647=\"\",\"\",1-(1-VLOOKUP(H647,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B648=\"\",\"\",1-(1-VLOOKUP(C648,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B648=\"\",\"\",1-(1-VLOOKUP(H648,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B649=\"\",\"\",1-(1-VLOOKUP(C649,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B649=\"\",\"\",1-(1-VLOOKUP(H649,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B650=\"\",\"\",1-(1-VLOOKUP(C650,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B650=\"\",\"\",1-(1-VLOOKUP(H650,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B651=\"\",\"\",1-(1-VLOOKUP(C651,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B651=\"\",\"\",1-(1-VLOOKUP(H651,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B652=\"\",\"\",1-(1-VLOOKUP(C652,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B652=\"\",\"\",1-(1-VLOOKUP(H652,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B653=\"\",\"\",1-(1-VLOOKUP(C653,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B653=\"\",\"\",1-(1-VLOOKUP(H653,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B654=\"\",\"\",1-(1-VLOOKUP(C654,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B654=\"\",\"\",1-(1-VLOOKUP(H654,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B655=\"\",\"\",1-(1-VLOOKUP(C655,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B655=\"\",\"\",1-(1-VLOOKUP(H655,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B656=\"\",\"\",1-(1-VLOOKUP(C656,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B656=\"\",\"\",1-(1-VLOOKUP(H656,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B657=\"\",\"\",1-(1-VLOOKUP(C657,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B657=\"\",\"\",1-(1-VLOOKUP(H657,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B658=\"\",\"\",1-(1-VLOOKUP(C658,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B658=\"\",\"\",1-(1-VLOOKUP(H658,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B659=\"\",\"\",1-(1-VLOOKUP(C659,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B659=\"\",\"\",1-(1-VLOOKUP(H659,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B660=\"\",\"\",1-(1-VLOOKUP(C660,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B660=\"\",\"\",1-(1-VLOOKUP(H660,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B661=\"\",\"\",1-(1-VLOOKUP(C661,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B661=\"\",\"\",1-(1-VLOOKUP(H661,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B662=\"\",\"\",1-(1-VLOOKUP(C662,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B662=\"\",\"\",1-(1-VLOOKUP(H662,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B663=\"\",\"\",1-(1-VLOOKUP(C663,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B663=\"\",\"\",1-(1-VLOOKUP(H663,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B664=\"\",\"\",1-(1-VLOOKUP(C664,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B664=\"\",\"\",1-(1-VLOOKUP(H664,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B665=\"\",\"\",1-(1-VLOOKUP(C665,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B665=\"\",\"\",1-(1-VLOOKUP(H665,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B666=\"\",\"\",1-(1-VLOOKUP(C666,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B666=\"\",\"\",1-(1-VLOOKUP(H666,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B667=\"\",\"\",1-(1-VLOOKUP(C667,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B667=\"\",\"\",1-(1-VLOOKUP(H667,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B668=\"\",\"\",1-(1-VLOOKUP(C668,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B668=\"\",\"\",1-(1-VLOOKUP(H668,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B669=\"\",\"\",1-(1-VLOOKUP(C669,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B669=\"\",\"\",1-(1-VLOOKUP(H669,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B670=\"\",\"\",1-(1-VLOOKUP(C670,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B670=\"\",\"\",1-(1-VLOOKUP(H670,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B671=\"\",\"\",1-(1-VLOOKUP(C671,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B671=\"\",\"\",1-(1-VLOOKUP(H671,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B672=\"\",\"\",1-(1-VLOOKUP(C672,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B672=\"\",\"\",1-(1-VLOOKUP(H672,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B673=\"\",\"\",1-(1-VLOOKUP(C673,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B673=\"\",\"\",1-(1-VLOOKUP(H673,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B674=\"\",\"\",1-(1-VLOOKUP(C674,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B674=\"\",\"\",1-(1-VLOOKUP(H674,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B675=\"\",\"\",1-(1-VLOOKUP(C675,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B675=\"\",\"\",1-(1-VLOOKUP(H675,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B676=\"\",\"\",1-(1-VLOOKUP(C676,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B676=\"\",\"\",1-(1-VLOOKUP(H676,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B677=\"\",\"\",1-(1-VLOOKUP(C677,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B677=\"\",\"\",1-(1-VLOOKUP(H677,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B678=\"\",\"\",1-(1-VLOOKUP(C678,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B678=\"\",\"\",1-(1-VLOOKUP(H678,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B679=\"\",\"\",1-(1-VLOOKUP(C679,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B679=\"\",\"\",1-(1-VLOOKUP(H679,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B680=\"\",\"\",1-(1-VLOOKUP(C680,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B680=\"\",\"\",1-(1-VLOOKUP(H680,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B681=\"\",\"\",1-(1-VLOOKUP(C681,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B681=\"\",\"\",1-(1-VLOOKUP(H681,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B682=\"\",\"\",1-(1-VLOOKUP(C682,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B682=\"\",\"\",1-(1-VLOOKUP(H682,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B683=\"\",\"\",1-(1-VLOOKUP(C683,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B683=\"\",\"\",1-(1-VLOOKUP(H683,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B684=\"\",\"\",1-(1-VLOOKUP(C684,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B684=\"\",\"\",1-(1-VLOOKUP(H684,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B685=\"\",\"\",1-(1-VLOOKUP(C685,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B685=\"\",\"\",1-(1-VLOOKUP(H685,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B686=\"\",\"\",1-(1-VLOOKUP(C686,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B686=\"\",\"\",1-(1-VLOOKUP(H686,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B687=\"\",\"\",1-(1-VLOOKUP(C687,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B687=\"\",\"\",1-(1-VLOOKUP(H687,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B688=\"\",\"\",1-(1-VLOOKUP(C688,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B688=\"\",\"\",1-(1-VLOOKUP(H688,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B689=\"\",\"\",1-(1-VLOOKUP(C689,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B689=\"\",\"\",1-(1-VLOOKUP(H689,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B690=\"\",\"\",1-(1-VLOOKUP(C690,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B690=\"\",\"\",1-(1-VLOOKUP(H690,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B691=\"\",\"\",1-(1-VLOOKUP(C691,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B691=\"\",\"\",1-(1-VLOOKUP(H691,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B692=\"\",\"\",1-(1-VLOOKUP(C692,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B692=\"\",\"\",1-(1-VLOOKUP(H692,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B693=\"\",\"\",1-(1-VLOOKUP(C693,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B693=\"\",\"\",1-(1-VLOOKUP(H693,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B694=\"\",\"\",1-(1-VLOOKUP(C694,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B694=\"\",\"\",1-(1-VLOOKUP(H694,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B695=\"\",\"\",1-(1-VLOOKUP(C695,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B695=\"\",\"\",1-(1-VLOOKUP(H695,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B696=\"\",\"\",1-(1-VLOOKUP(C696,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B696=\"\",\"\",1-(1-VLOOKUP(H696,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B697=\"\",\"\",1-(1-VLOOKUP(C697,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B697=\"\",\"\",1-(1-VLOOKUP(H697,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B698=\"\",\"\",1-(1-VLOOKUP(C698,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B698=\"\",\"\",1-(1-VLOOKUP(H698,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B699=\"\",\"\",1-(1-VLOOKUP(C699,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B699=\"\",\"\",1-(1-VLOOKUP(H699,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B700=\"\",\"\",1-(1-VLOOKUP(C700,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B700=\"\",\"\",1-(1-VLOOKUP(H700,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B701=\"\",\"\",1-(1-VLOOKUP(C701,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B701=\"\",\"\",1-(1-VLOOKUP(H701,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B702=\"\",\"\",1-(1-VLOOKUP(C702,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B702=\"\",\"\",1-(1-VLOOKUP(H702,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B703=\"\",\"\",1-(1-VLOOKUP(C703,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B703=\"\",\"\",1-(1-VLOOKUP(H703,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B704=\"\",\"\",1-(1-VLOOKUP(C704,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B704=\"\",\"\",1-(1-VLOOKUP(H704,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B705=\"\",\"\",1-(1-VLOOKUP(C705,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B705=\"\",\"\",1-(1-VLOOKUP(H705,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B706=\"\",\"\",1-(1-VLOOKUP(C706,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B706=\"\",\"\",1-(1-VLOOKUP(H706,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","",{"$f":"IF(C707=\"\",\"\",IF(C707>=Retire_age,1,0))","v":""},"","","","","","",{"$f":"IF(B707=\"\",\"\",1-(1-VLOOKUP(C707,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B707=\"\",\"\",1-(1-VLOOKUP(H707,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"",{"$f":"IF(B707=\"\",\"\",IF(retire_indicator=1,N706,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":""},{"$f":"IF(B707=\"\",\"\",IF(retire_indicator=1,O706,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":""},{"$f":"IF(B707=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":""},{"$f":"IF(B707=\"\",\"\",M706*Pension_PP)","v":""},{"$f":"IF(B707=\"\",0,Pension_CF+R708/(1+Disc_Rate_Month))","v":0},{"$f":"PVCF*current_service/except_service","v":0}]
[{"$f":"IF(B708=\"\",\"\",EOMONTH(A707,1))","v":""},{"$f":"IF(B707=\"\",\"\", IF(B707+1/12>Max_age,\"\",B707+1/12))","v":""},{"$f":"IF(B708=\"\",\"\",INT(B708))","v":""},"","","","","",{"$f":"IF(B708=\"\",\"\",I707+1)","v":""},{"$f":"IF(B708=\"\",\"\",(1+Disc_Rate_Month)^(-I708))","v":""},{"$f":"IF(B708=\"\",\"\",1-(1-VLOOKUP(C708,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B708=\"\",\"\",1-(1-VLOOKUP(H708,Lapse!$B$3:$C$43,2))^(1/12))","v":""},{"$f":"IF(B708=\"\",\"\",M707*(1-K708)*(1-L708))","v":""},"","","","",0,0]
["","","","",{"$f":"IF(B709=\"\",\"\",IF(E708=12,1,E708+1))","v":""},{"$f":"IF(B709=\"\",\"\",IF(E708=12,F708+1,F708))","v":""},{"$f":"IF(B709=\"\",\"\",IF(G708=12,1,G708+1))","v":""},{"$f":"IF(B709=\"\",\"\",IF(G708=12,H708+1,H708))","v":""},"","",{"$f":"IF(B709=\"\",\"\",1-(1-VLOOKUP(C709,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B709=\"\",\"\",1-(1-VLOOKUP(H709,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B710=\"\",\"\",1-(1-VLOOKUP(C710,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B710=\"\",\"\",1-(1-VLOOKUP(H710,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B711=\"\",\"\",1-(1-VLOOKUP(C711,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B711=\"\",\"\",1-(1-VLOOKUP(H711,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B712=\"\",\"\",1-(1-VLOOKUP(C712,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B712=\"\",\"\",1-(1-VLOOKUP(H712,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B713=\"\",\"\",1-(1-VLOOKUP(C713,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B713=\"\",\"\",1-(1-VLOOKUP(H713,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B714=\"\",\"\",1-(1-VLOOKUP(C714,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B714=\"\",\"\",1-(1-VLOOKUP(H714,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B715=\"\",\"\",1-(1-VLOOKUP(C715,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B715=\"\",\"\",1-(1-VLOOKUP(H715,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B716=\"\",\"\",1-(1-VLOOKUP(C716,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B716=\"\",\"\",1-(1-VLOOKUP(H716,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B717=\"\",\"\",1-(1-VLOOKUP(C717,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B717=\"\",\"\",1-(1-VLOOKUP(H717,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B718=\"\",\"\",1-(1-VLOOKUP(C718,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B718=\"\",\"\",1-(1-VLOOKUP(H718,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B719=\"\",\"\",1-(1-VLOOKUP(C719,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B719=\"\",\"\",1-(1-VLOOKUP(H719,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B720=\"\",\"\",1-(1-VLOOKUP(C720,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B720=\"\",\"\",1-(1-VLOOKUP(H720,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B721=\"\",\"\",1-(1-VLOOKUP(C721,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B721=\"\",\"\",1-(1-VLOOKUP(H721,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B722=\"\",\"\",1-(1-VLOOKUP(C722,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B722=\"\",\"\",1-(1-VLOOKUP(H722,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B723=\"\",\"\",1-(1-VLOOKUP(C723,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B723=\"\",\"\",1-(1-VLOOKUP(H723,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B724=\"\",\"\",1-(1-VLOOKUP(C724,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B724=\"\",\"\",1-(1-VLOOKUP(H724,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B725=\"\",\"\",1-(1-VLOOKUP(C725,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B725=\"\",\"\",1-(1-VLOOKUP(H725,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B726=\"\",\"\",1-(1-VLOOKUP(C726,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B726=\"\",\"\",1-(1-VLOOKUP(H726,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B727=\"\",\"\",1-(1-VLOOKUP(C727,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B727=\"\",\"\",1-(1-VLOOKUP(H727,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B728=\"\",\"\",1-(1-VLOOKUP(C728,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B728=\"\",\"\",1-(1-VLOOKUP(H728,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B729=\"\",\"\",1-(1-VLOOKUP(C729,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B729=\"\",\"\",1-(1-VLOOKUP(H729,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B730=\"\",\"\",1-(1-VLOOKUP(C730,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B730=\"\",\"\",1-(1-VLOOKUP(H730,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B731=\"\",\"\",1-(1-VLOOKUP(C731,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B731=\"\",\"\",1-(1-VLOOKUP(H731,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B732=\"\",\"\",1-(1-VLOOKUP(C732,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B732=\"\",\"\",1-(1-VLOOKUP(H732,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B733=\"\",\"\",1-(1-VLOOKUP(C733,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B733=\"\",\"\",1-(1-VLOOKUP(H733,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B734=\"\",\"\",1-(1-VLOOKUP(C734,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B734=\"\",\"\",1-(1-VLOOKUP(H734,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B735=\"\",\"\",1-(1-VLOOKUP(C735,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B735=\"\",\"\",1-(1-VLOOKUP(H735,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B736=\"\",\"\",1-(1-VLOOKUP(C736,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B736=\"\",\"\",1-(1-VLOOKUP(H736,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B737=\"\",\"\",1-(1-VLOOKUP(C737,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B737=\"\",\"\",1-(1-VLOOKUP(H737,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B738=\"\",\"\",1-(1-VLOOKUP(C738,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B738=\"\",\"\",1-(1-VLOOKUP(H738,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B739=\"\",\"\",1-(1-VLOOKUP(C739,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B739=\"\",\"\",1-(1-VLOOKUP(H739,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B740=\"\",\"\",1-(1-VLOOKUP(C740,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B740=\"\",\"\",1-(1-VLOOKUP(H740,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B741=\"\",\"\",1-(1-VLOOKUP(C741,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B741=\"\",\"\",1-(1-VLOOKUP(H741,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B742=\"\",\"\",1-(1-VLOOKUP(C742,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B742=\"\",\"\",1-(1-VLOOKUP(H742,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B743=\"\",\"\",1-(1-VLOOKUP(C743,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B743=\"\",\"\",1-(1-VLOOKUP(H743,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B744=\"\",\"\",1-(1-VLOOKUP(C744,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B744=\"\",\"\",1-(1-VLOOKUP(H744,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B745=\"\",\"\",1-(1-VLOOKUP(C745,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B745=\"\",\"\",1-(1-VLOOKUP(H745,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B746=\"\",\"\",1-(1-VLOOKUP(C746,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B746=\"\",\"\",1-(1-VLOOKUP(H746,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B747=\"\",\"\",1-(1-VLOOKUP(C747,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B747=\"\",\"\",1-(1-VLOOKUP(H747,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B748=\"\",\"\",1-(1-VLOOKUP(C748,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B748=\"\",\"\",1-(1-VLOOKUP(H748,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B749=\"\",\"\",1-(1-VLOOKUP(C749,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B749=\"\",\"\",1-(1-VLOOKUP(H749,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B750=\"\",\"\",1-(1-VLOOKUP(C750,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B750=\"\",\"\",1-(1-VLOOKUP(H750,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B751=\"\",\"\",1-(1-VLOOKUP(C751,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B751=\"\",\"\",1-(1-VLOOKUP(H751,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B752=\"\",\"\",1-(1-VLOOKUP(C752,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B752=\"\",\"\",1-(1-VLOOKUP(H752,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B753=\"\",\"\",1-(1-VLOOKUP(C753,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B753=\"\",\"\",1-(1-VLOOKUP(H753,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B754=\"\",\"\",1-(1-VLOOKUP(C754,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B754=\"\",\"\",1-(1-VLOOKUP(H754,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B755=\"\",\"\",1-(1-VLOOKUP(C755,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B755=\"\",\"\",1-(1-VLOOKUP(H755,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B756=\"\",\"\",1-(1-VLOOKUP(C756,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B756=\"\",\"\",1-(1-VLOOKUP(H756,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B757=\"\",\"\",1-(1-VLOOKUP(C757,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B757=\"\",\"\",1-(1-VLOOKUP(H757,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B758=\"\",\"\",1-(1-VLOOKUP(C758,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B758=\"\",\"\",1-(1-VLOOKUP(H758,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B759=\"\",\"\",1-(1-VLOOKUP(C759,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B759=\"\",\"\",1-(1-VLOOKUP(H759,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B760=\"\",\"\",1-(1-VLOOKUP(C760,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B760=\"\",\"\",1-(1-VLOOKUP(H760,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B761=\"\",\"\",1-(1-VLOOKUP(C761,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B761=\"\",\"\",1-(1-VLOOKUP(H761,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B762=\"\",\"\",1-(1-VLOOKUP(C762,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B762=\"\",\"\",1-(1-VLOOKUP(H762,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B763=\"\",\"\",1-(1-VLOOKUP(C763,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B763=\"\",\"\",1-(1-VLOOKUP(H763,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B764=\"\",\"\",1-(1-VLOOKUP(C764,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B764=\"\",\"\",1-(1-VLOOKUP(H764,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B765=\"\",\"\",1-(1-VLOOKUP(C765,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B765=\"\",\"\",1-(1-VLOOKUP(H765,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B766=\"\",\"\",1-(1-VLOOKUP(C766,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B766=\"\",\"\",1-(1-VLOOKUP(H766,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B767=\"\",\"\",1-(1-VLOOKUP(C767,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B767=\"\",\"\",1-(1-VLOOKUP(H767,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B768=\"\",\"\",1-(1-VLOOKUP(C768,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B768=\"\",\"\",1-(1-VLOOKUP(H768,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B769=\"\",\"\",1-(1-VLOOKUP(C769,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B769=\"\",\"\",1-(1-VLOOKUP(H769,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B770=\"\",\"\",1-(1-VLOOKUP(C770,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B770=\"\",\"\",1-(1-VLOOKUP(H770,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","",{"$f":"IF(C771=\"\",\"\",IF(C771>=Retire_age,1,0))","v":""},"","","","","","",{"$f":"IF(B771=\"\",\"\",1-(1-VLOOKUP(C771,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B771=\"\",\"\",1-(1-VLOOKUP(H771,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"",{"$f":"IF(B771=\"\",\"\",IF(retire_indicator=1,N770,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":""},{"$f":"IF(B771=\"\",\"\",IF(retire_indicator=1,O770,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":""},{"$f":"IF(B771=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":""},{"$f":"IF(B771=\"\",\"\",M770*Pension_PP)","v":""},{"$f":"IF(B771=\"\",0,Pension_CF+R772/(1+Disc_Rate_Month))","v":0},{"$f":"PVCF*current_service/except_service","v":0}]
[{"$f":"IF(B772=\"\",\"\",EOMONTH(A771,1))","v":""},{"$f":"IF(B771=\"\",\"\", IF(B771+1/12>Max_age,\"\",B771+1/12))","v":""},{"$f":"IF(B772=\"\",\"\",INT(B772))","v":""},"","","","","",{"$f":"IF(B772=\"\",\"\",I771+1)","v":""},{"$f":"IF(B772=\"\",\"\",(1+Disc_Rate_Month)^(-I772))","v":""},{"$f":"IF(B772=\"\",\"\",1-(1-VLOOKUP(C772,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B772=\"\",\"\",1-(1-VLOOKUP(H772,Lapse!$B$3:$C$43,2))^(1/12))","v":""},{"$f":"IF(B772=\"\",\"\",M771*(1-K772)*(1-L772))","v":""},"","","","",0,0]
["","","","",{"$f":"IF(B773=\"\",\"\",IF(E772=12,1,E772+1))","v":""},{"$f":"IF(B773=\"\",\"\",IF(E772=12,F772+1,F772))","v":""},{"$f":"IF(B773=\"\",\"\",IF(G772=12,1,G772+1))","v":""},{"$f":"IF(B773=\"\",\"\",IF(G772=12,H772+1,H772))","v":""},"","",{"$f":"IF(B773=\"\",\"\",1-(1-VLOOKUP(C773,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B773=\"\",\"\",1-(1-VLOOKUP(H773,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B774=\"\",\"\",1-(1-VLOOKUP(C774,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B774=\"\",\"\",1-(1-VLOOKUP(H774,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B775=\"\",\"\",1-(1-VLOOKUP(C775,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B775=\"\",\"\",1-(1-VLOOKUP(H775,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B776=\"\",\"\",1-(1-VLOOKUP(C776,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B776=\"\",\"\",1-(1-VLOOKUP(H776,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B777=\"\",\"\",1-(1-VLOOKUP(C777,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B777=\"\",\"\",1-(1-VLOOKUP(H777,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B778=\"\",\"\",1-(1-VLOOKUP(C778,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B778=\"\",\"\",1-(1-VLOOKUP(H778,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B779=\"\",\"\",1-(1-VLOOKUP(C779,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B779=\"\",\"\",1-(1-VLOOKUP(H779,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B780=\"\",\"\",1-(1-VLOOKUP(C780,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B780=\"\",\"\",1-(1-VLOOKUP(H780,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B781=\"\",\"\",1-(1-VLOOKUP(C781,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B781=\"\",\"\",1-(1-VLOOKUP(H781,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B782=\"\",\"\",1-(1-VLOOKUP(C782,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B782=\"\",\"\",1-(1-VLOOKUP(H782,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B783=\"\",\"\",1-(1-VLOOKUP(C783,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B783=\"\",\"\",1-(1-VLOOKUP(H783,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B784=\"\",\"\",1-(1-VLOOKUP(C784,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B784=\"\",\"\",1-(1-VLOOKUP(H784,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B785=\"\",\"\",1-(1-VLOOKUP(C785,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B785=\"\",\"\",1-(1-VLOOKUP(H785,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B786=\"\",\"\",1-(1-VLOOKUP(C786,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B786=\"\",\"\",1-(1-VLOOKUP(H786,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B787=\"\",\"\",1-(1-VLOOKUP(C787,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B787=\"\",\"\",1-(1-VLOOKUP(H787,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B788=\"\",\"\",1-(1-VLOOKUP(C788,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B788=\"\",\"\",1-(1-VLOOKUP(H788,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B789=\"\",\"\",1-(1-VLOOKUP(C789,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B789=\"\",\"\",1-(1-VLOOKUP(H789,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B790=\"\",\"\",1-(1-VLOOKUP(C790,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B790=\"\",\"\",1-(1-VLOOKUP(H790,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B791=\"\",\"\",1-(1-VLOOKUP(C791,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B791=\"\",\"\",1-(1-VLOOKUP(H791,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B792=\"\",\"\",1-(1-VLOOKUP(C792,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B792=\"\",\"\",1-(1-VLOOKUP(H792,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B793=\"\",\"\",1-(1-VLOOKUP(C793,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B793=\"\",\"\",1-(1-VLOOKUP(H793,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B794=\"\",\"\",1-(1-VLOOKUP(C794,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B794=\"\",\"\",1-(1-VLOOKUP(H794,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B795=\"\",\"\",1-(1-VLOOKUP(C795,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B795=\"\",\"\",1-(1-VLOOKUP(H795,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B796=\"\",\"\",1-(1-VLOOKUP(C796,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B796=\"\",\"\",1-(1-VLOOKUP(H796,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B797=\"\",\"\",1-(1-VLOOKUP(C797,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B797=\"\",\"\",1-(1-VLOOKUP(H797,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B798=\"\",\"\",1-(1-VLOOKUP(C798,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B798=\"\",\"\",1-(1-VLOOKUP(H798,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B799=\"\",\"\",1-(1-VLOOKUP(C799,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B799=\"\",\"\",1-(1-VLOOKUP(H799,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B800=\"\",\"\",1-(1-VLOOKUP(C800,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B800=\"\",\"\",1-(1-VLOOKUP(H800,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B801=\"\",\"\",1-(1-VLOOKUP(C801,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B801=\"\",\"\",1-(1-VLOOKUP(H801,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B802=\"\",\"\",1-(1-VLOOKUP(C802,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B802=\"\",\"\",1-(1-VLOOKUP(H802,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B803=\"\",\"\",1-(1-VLOOKUP(C803,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B803=\"\",\"\",1-(1-VLOOKUP(H803,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B804=\"\",\"\",1-(1-VLOOKUP(C804,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B804=\"\",\"\",1-(1-VLOOKUP(H804,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B805=\"\",\"\",1-(1-VLOOKUP(C805,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B805=\"\",\"\",1-(1-VLOOKUP(H805,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B806=\"\",\"\",1-(1-VLOOKUP(C806,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B806=\"\",\"\",1-(1-VLOOKUP(H806,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B807=\"\",\"\",1-(1-VLOOKUP(C807,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B807=\"\",\"\",1-(1-VLOOKUP(H807,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B808=\"\",\"\",1-(1-VLOOKUP(C808,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B808=\"\",\"\",1-(1-VLOOKUP(H808,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B809=\"\",\"\",1-(1-VLOOKUP(C809,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B809=\"\",\"\",1-(1-VLOOKUP(H809,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B810=\"\",\"\",1-(1-VLOOKUP(C810,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B810=\"\",\"\",1-(1-VLOOKUP(H810,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B811=\"\",\"\",1-(1-VLOOKUP(C811,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B811=\"\",\"\",1-(1-VLOOKUP(H811,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B812=\"\",\"\",1-(1-VLOOKUP(C812,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B812=\"\",\"\",1-(1-VLOOKUP(H812,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B813=\"\",\"\",1-(1-VLOOKUP(C813,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B813=\"\",\"\",1-(1-VLOOKUP(H813,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B814=\"\",\"\",1-(1-VLOOKUP(C814,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B814=\"\",\"\",1-(1-VLOOKUP(H814,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B815=\"\",\"\",1-(1-VLOOKUP(C815,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B815=\"\",\"\",1-(1-VLOOKUP(H815,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B816=\"\",\"\",1-(1-VLOOKUP(C816,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B816=\"\",\"\",1-(1-VLOOKUP(H816,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B817=\"\",\"\",1-(1-VLOOKUP(C817,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B817=\"\",\"\",1-(1-VLOOKUP(H817,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B818=\"\",\"\",1-(1-VLOOKUP(C818,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B818=\"\",\"\",1-(1-VLOOKUP(H818,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B819=\"\",\"\",1-(1-VLOOKUP(C819,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B819=\"\",\"\",1-(1-VLOOKUP(H819,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B820=\"\",\"\",1-(1-VLOOKUP(C820,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B820=\"\",\"\",1-(1-VLOOKUP(H820,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B821=\"\",\"\",1-(1-VLOOKUP(C821,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B821=\"\",\"\",1-(1-VLOOKUP(H821,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B822=\"\",\"\",1-(1-VLOOKUP(C822,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B822=\"\",\"\",1-(1-VLOOKUP(H822,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B823=\"\",\"\",1-(1-VLOOKUP(C823,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B823=\"\",\"\",1-(1-VLOOKUP(H823,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B824=\"\",\"\",1-(1-VLOOKUP(C824,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B824=\"\",\"\",1-(1-VLOOKUP(H824,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B825=\"\",\"\",1-(1-VLOOKUP(C825,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B825=\"\",\"\",1-(1-VLOOKUP(H825,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B826=\"\",\"\",1-(1-VLOOKUP(C826,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B826=\"\",\"\",1-(1-VLOOKUP(H826,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B827=\"\",\"\",1-(1-VLOOKUP(C827,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B827=\"\",\"\",1-(1-VLOOKUP(H827,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B828=\"\",\"\",1-(1-VLOOKUP(C828,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B828=\"\",\"\",1-(1-VLOOKUP(H828,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B829=\"\",\"\",1-(1-VLOOKUP(C829,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B829=\"\",\"\",1-(1-VLOOKUP(H829,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B830=\"\",\"\",1-(1-VLOOKUP(C830,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B830=\"\",\"\",1-(1-VLOOKUP(H830,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B831=\"\",\"\",1-(1-VLOOKUP(C831,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B831=\"\",\"\",1-(1-VLOOKUP(H831,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B832=\"\",\"\",1-(1-VLOOKUP(C832,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B832=\"\",\"\",1-(1-VLOOKUP(H832,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B833=\"\",\"\",1-(1-VLOOKUP(C833,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B833=\"\",\"\",1-(1-VLOOKUP(H833,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B834=\"\",\"\",1-(1-VLOOKUP(C834,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B834=\"\",\"\",1-(1-VLOOKUP(H834,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","",{"$f":"IF(C835=\"\",\"\",IF(C835>=Retire_age,1,0))","v":""},"","","","","","",{"$f":"IF(B835=\"\",\"\",1-(1-VLOOKUP(C835,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B835=\"\",\"\",1-(1-VLOOKUP(H835,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"",{"$f":"IF(B835=\"\",\"\",IF(retire_indicator=1,N834,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":""},{"$f":"IF(B835=\"\",\"\",IF(retire_indicator=1,O834,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":""},{"$f":"IF(B835=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":""},{"$f":"IF(B835=\"\",\"\",M834*Pension_PP)","v":""},{"$f":"IF(B835=\"\",0,Pension_CF+R836/(1+Disc_Rate_Month))","v":0},{"$f":"PVCF*current_service/except_service","v":0}]
[{"$f":"IF(B836=\"\",\"\",EOMONTH(A835,1))","v":""},{"$f":"IF(B835=\"\",\"\", IF(B835+1/12>Max_age,\"\",B835+1/12))","v":""},{"$f":"IF(B836=\"\",\"\",INT(B836))","v":""},"","","","","",{"$f":"IF(B836=\"\",\"\",I835+1)","v":""},{"$f":"IF(B836=\"\",\"\",(1+Disc_Rate_Month)^(-I836))","v":""},{"$f":"IF(B836=\"\",\"\",1-(1-VLOOKUP(C836,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B836=\"\",\"\",1-(1-VLOOKUP(H836,Lapse!$B$3:$C$43,2))^(1/12))","v":""},{"$f":"IF(B836=\"\",\"\",M835*(1-K836)*(1-L836))","v":""},"","","","",0,0]
["","","","",{"$f":"IF(B837=\"\",\"\",IF(E836=12,1,E836+1))","v":""},{"$f":"IF(B837=\"\",\"\",IF(E836=12,F836+1,F836))","v":""},{"$f":"IF(B837=\"\",\"\",IF(G836=12,1,G836+1))","v":""},{"$f":"IF(B837=\"\",\"\",IF(G836=12,H836+1,H836))","v":""},"","",{"$f":"IF(B837=\"\",\"\",1-(1-VLOOKUP(C837,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B837=\"\",\"\",1-(1-VLOOKUP(H837,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B838=\"\",\"\",1-(1-VLOOKUP(C838,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B838=\"\",\"\",1-(1-VLOOKUP(H838,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B839=\"\",\"\",1-(1-VLOOKUP(C839,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B839=\"\",\"\",1-(1-VLOOKUP(H839,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B840=\"\",\"\",1-(1-VLOOKUP(C840,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B840=\"\",\"\",1-(1-VLOOKUP(H840,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B841=\"\",\"\",1-(1-VLOOKUP(C841,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B841=\"\",\"\",1-(1-VLOOKUP(H841,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B842=\"\",\"\",1-(1-VLOOKUP(C842,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B842=\"\",\"\",1-(1-VLOOKUP(H842,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B843=\"\",\"\",1-(1-VLOOKUP(C843,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B843=\"\",\"\",1-(1-VLOOKUP(H843,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B844=\"\",\"\",1-(1-VLOOKUP(C844,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B844=\"\",\"\",1-(1-VLOOKUP(H844,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B845=\"\",\"\",1-(1-VLOOKUP(C845,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B845=\"\",\"\",1-(1-VLOOKUP(H845,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B846=\"\",\"\",1-(1-VLOOKUP(C846,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B846=\"\",\"\",1-(1-VLOOKUP(H846,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B847=\"\",\"\",1-(1-VLOOKUP(C847,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B847=\"\",\"\",1-(1-VLOOKUP(H847,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B848=\"\",\"\",1-(1-VLOOKUP(C848,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B848=\"\",\"\",1-(1-VLOOKUP(H848,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B849=\"\",\"\",1-(1-VLOOKUP(C849,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B849=\"\",\"\",1-(1-VLOOKUP(H849,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B850=\"\",\"\",1-(1-VLOOKUP(C850,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B850=\"\",\"\",1-(1-VLOOKUP(H850,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B851=\"\",\"\",1-(1-VLOOKUP(C851,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B851=\"\",\"\",1-(1-VLOOKUP(H851,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B852=\"\",\"\",1-(1-VLOOKUP(C852,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B852=\"\",\"\",1-(1-VLOOKUP(H852,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B853=\"\",\"\",1-(1-VLOOKUP(C853,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B853=\"\",\"\",1-(1-VLOOKUP(H853,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B854=\"\",\"\",1-(1-VLOOKUP(C854,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B854=\"\",\"\",1-(1-VLOOKUP(H854,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B855=\"\",\"\",1-(1-VLOOKUP(C855,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B855=\"\",\"\",1-(1-VLOOKUP(H855,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B856=\"\",\"\",1-(1-VLOOKUP(C856,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B856=\"\",\"\",1-(1-VLOOKUP(H856,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B857=\"\",\"\",1-(1-VLOOKUP(C857,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B857=\"\",\"\",1-(1-VLOOKUP(H857,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B858=\"\",\"\",1-(1-VLOOKUP(C858,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B858=\"\",\"\",1-(1-VLOOKUP(H858,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B859=\"\",\"\",1-(1-VLOOKUP(C859,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B859=\"\",\"\",1-(1-VLOOKUP(H859,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B860=\"\",\"\",1-(1-VLOOKUP(C860,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B860=\"\",\"\",1-(1-VLOOKUP(H860,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B861=\"\",\"\",1-(1-VLOOKUP(C861,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B861=\"\",\"\",1-(1-VLOOKUP(H861,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B862=\"\",\"\",1-(1-VLOOKUP(C862,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B862=\"\",\"\",1-(1-VLOOKUP(H862,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B863=\"\",\"\",1-(1-VLOOKUP(C863,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B863=\"\",\"\",1-(1-VLOOKUP(H863,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B864=\"\",\"\",1-(1-VLOOKUP(C864,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B864=\"\",\"\",1-(1-VLOOKUP(H864,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B865=\"\",\"\",1-(1-VLOOKUP(C865,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B865=\"\",\"\",1-(1-VLOOKUP(H865,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B866=\"\",\"\",1-(1-VLOOKUP(C866,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B866=\"\",\"\",1-(1-VLOOKUP(H866,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B867=\"\",\"\",1-(1-VLOOKUP(C867,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B867=\"\",\"\",1-(1-VLOOKUP(H867,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B868=\"\",\"\",1-(1-VLOOKUP(C868,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B868=\"\",\"\",1-(1-VLOOKUP(H868,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B869=\"\",\"\",1-(1-VLOOKUP(C869,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B869=\"\",\"\",1-(1-VLOOKUP(H869,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B870=\"\",\"\",1-(1-VLOOKUP(C870,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B870=\"\",\"\",1-(1-VLOOKUP(H870,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B871=\"\",\"\",1-(1-VLOOKUP(C871,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B871=\"\",\"\",1-(1-VLOOKUP(H871,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B872=\"\",\"\",1-(1-VLOOKUP(C872,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B872=\"\",\"\",1-(1-VLOOKUP(H872,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B873=\"\",\"\",1-(1-VLOOKUP(C873,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B873=\"\",\"\",1-(1-VLOOKUP(H873,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B874=\"\",\"\",1-(1-VLOOKUP(C874,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B874=\"\",\"\",1-(1-VLOOKUP(H874,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B875=\"\",\"\",1-(1-VLOOKUP(C875,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B875=\"\",\"\",1-(1-VLOOKUP(H875,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B876=\"\",\"\",1-(1-VLOOKUP(C876,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B876=\"\",\"\",1-(1-VLOOKUP(H876,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B877=\"\",\"\",1-(1-VLOOKUP(C877,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B877=\"\",\"\",1-(1-VLOOKUP(H877,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B878=\"\",\"\",1-(1-VLOOKUP(C878,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B878=\"\",\"\",1-(1-VLOOKUP(H878,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B879=\"\",\"\",1-(1-VLOOKUP(C879,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B879=\"\",\"\",1-(1-VLOOKUP(H879,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B880=\"\",\"\",1-(1-VLOOKUP(C880,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B880=\"\",\"\",1-(1-VLOOKUP(H880,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B881=\"\",\"\",1-(1-VLOOKUP(C881,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B881=\"\",\"\",1-(1-VLOOKUP(H881,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B882=\"\",\"\",1-(1-VLOOKUP(C882,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B882=\"\",\"\",1-(1-VLOOKUP(H882,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B883=\"\",\"\",1-(1-VLOOKUP(C883,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B883=\"\",\"\",1-(1-VLOOKUP(H883,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B884=\"\",\"\",1-(1-VLOOKUP(C884,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B884=\"\",\"\",1-(1-VLOOKUP(H884,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B885=\"\",\"\",1-(1-VLOOKUP(C885,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B885=\"\",\"\",1-(1-VLOOKUP(H885,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B886=\"\",\"\",1-(1-VLOOKUP(C886,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B886=\"\",\"\",1-(1-VLOOKUP(H886,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B887=\"\",\"\",1-(1-VLOOKUP(C887,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B887=\"\",\"\",1-(1-VLOOKUP(H887,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B888=\"\",\"\",1-(1-VLOOKUP(C888,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B888=\"\",\"\",1-(1-VLOOKUP(H888,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B889=\"\",\"\",1-(1-VLOOKUP(C889,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B889=\"\",\"\",1-(1-VLOOKUP(H889,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B890=\"\",\"\",1-(1-VLOOKUP(C890,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B890=\"\",\"\",1-(1-VLOOKUP(H890,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B891=\"\",\"\",1-(1-VLOOKUP(C891,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B891=\"\",\"\",1-(1-VLOOKUP(H891,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B892=\"\",\"\",1-(1-VLOOKUP(C892,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B892=\"\",\"\",1-(1-VLOOKUP(H892,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B893=\"\",\"\",1-(1-VLOOKUP(C893,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B893=\"\",\"\",1-(1-VLOOKUP(H893,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B894=\"\",\"\",1-(1-VLOOKUP(C894,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B894=\"\",\"\",1-(1-VLOOKUP(H894,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B895=\"\",\"\",1-(1-VLOOKUP(C895,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B895=\"\",\"\",1-(1-VLOOKUP(H895,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B896=\"\",\"\",1-(1-VLOOKUP(C896,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B896=\"\",\"\",1-(1-VLOOKUP(H896,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B897=\"\",\"\",1-(1-VLOOKUP(C897,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B897=\"\",\"\",1-(1-VLOOKUP(H897,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B898=\"\",\"\",1-(1-VLOOKUP(C898,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B898=\"\",\"\",1-(1-VLOOKUP(H898,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","",{"$f":"IF(C899=\"\",\"\",IF(C899>=Retire_age,1,0))","v":""},"","","","","","",{"$f":"IF(B899=\"\",\"\",1-(1-VLOOKUP(C899,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B899=\"\",\"\",1-(1-VLOOKUP(H899,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"",{"$f":"IF(B899=\"\",\"\",IF(retire_indicator=1,N898,MIN(YEARFRAC(DATE(Calender_year,Calender_month+1,0),Joined_date,3),Max_Schem_Service)))","v":""},{"$f":"IF(B899=\"\",\"\",IF(retire_indicator=1,O898,Monthly_Salary*(1+Sal_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1)))","v":""},{"$f":"IF(B899=\"\",\"\",IF(retire_indicator=1, Pension_factor*Scheme_service*Salary_PP*(1+Pension_increase_rate_pa)^(Calender_year-YEAR(Val_Date)-1),0))","v":""},{"$f":"IF(B899=\"\",\"\",M898*Pension_PP)","v":""},{"$f":"IF(B899=\"\",0,Pension_CF+R900/(1+Disc_Rate_Month))","v":0},{"$f":"PVCF*current_service/except_service","v":0}]
[{"$f":"IF(B900=\"\",\"\",EOMONTH(A899,1))","v":""},"",{"$f":"IF(B900=\"\",\"\",INT(B900))","v":""},"","","","","","",{"$f":"IF(B900=\"\",\"\",(1+Disc_Rate_Month)^(-I900))","v":""},{"$f":"IF(B900=\"\",\"\",1-(1-VLOOKUP(C900,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B900=\"\",\"\",1-(1-VLOOKUP(H900,Lapse!$B$3:$C$43,2))^(1/12))","v":""},{"$f":"IF(B900=\"\",\"\",M899*(1-K900)*(1-L900))","v":""},"","","","",0,0]
["","","","",{"$f":"IF(B901=\"\",\"\",IF(E900=12,1,E900+1))","v":""},{"$f":"IF(B901=\"\",\"\",IF(E900=12,F900+1,F900))","v":""},{"$f":"IF(B901=\"\",\"\",IF(G900=12,1,G900+1))","v":""},{"$f":"IF(B901=\"\",\"\",IF(G900=12,H900+1,H900))","v":""},"","",{"$f":"IF(B901=\"\",\"\",1-(1-VLOOKUP(C901,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B901=\"\",\"\",1-(1-VLOOKUP(H901,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B902=\"\",\"\",1-(1-VLOOKUP(C902,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B902=\"\",\"\",1-(1-VLOOKUP(H902,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B903=\"\",\"\",1-(1-VLOOKUP(C903,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B903=\"\",\"\",1-(1-VLOOKUP(H903,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]
["","","","","","","","","","",{"$f":"IF(B904=\"\",\"\",1-(1-VLOOKUP(C904,Mortality!$F$4:$H$105,IF(Gender=\"M\",2,3)))^(1/12))","v":""},{"$f":"IF(B904=\"\",\"\",1-(1-VLOOKUP(H904,Lapse!$B$3:$C$43,2))^(1/12))","v":""},"","","","","",0,0]

{"sheet":"Mortality","index":6,"n_rows":106,"n_cols":8,"rows_kept":106,"cut":false,"hidden":false,"merged":[[1,0,3,0]]}
[null,"United States, 2021, Life Table"]
["Age (years)","Probability of dying between ages x and x + 1","Probability of dying between ages x and x + 1","Probability of dying between ages x and x + 1"]
[null,"For Total Population","For Male","For Female",null,null,"qx"]
[null,"qx","qx","qx",null,"Age","Male","Female"]
["0–1",5.4456894285976887E-3,5.8331689797341824E-3,5.0404188223183155E-3,null,0,{"$f":"C5","v":5.8331689797341824E-3},{"$f":"D5","v":5.0404188223183155E-3}]
["1–2",4.0257113869301975E-4,4.1591847548261285E-4,3.8860965287312865E-4,null,1,{"$f":"C6","v":4.1591847548261285E-4},{"$f":"D6","v":3.8860965287312865E-4}]
["2–3",2.5423662737011909E-4,2.7402312844060361E-4,2.3353885626420379E-4,null,2,2.7402312844060361E-4,2.3353885626420379E-4]
["3–4",1.9188706937711686E-4,2.2409616212826222E-4,1.5820088447071612E-4,null,3,2.2409616212826222E-4,1.5820088447071612E-4]
["4–5",1.6135034093167633E-4,1.7514948558527976E-4,1.4692246622871608E-4,null,4,1.7514948558527976E-4,1.4692246622871608E-4]
["5–6",1.4286641089711338E-4,1.6083884111139923E-4,1.2407802569214255E-4,null,5,1.6083884111139923E-4,1.2407802569214255E-4]
["6–7",1.2990891991648823E-4,1.4946643204893917E-4,1.0946136899292469E-4,null,6,1.4946643204893917E-4,1.0946136899292469E-4]
["7–8",1.1903545237146318E-4,1.372527185594663E-4,9.9979864899069071E-5,null,7,1.372527185594663E-4,9.9979864899069071E-5]
["8–9",1.0711317008826882E-4,1.1919617099920288E-4,9.4462389824911952E-5,null,8,1.1919617099920288E-4,9.4462389824911952E-5]
["9–10",9.548611706122756E-5,9.7952492069453001E-5,9.2900510935578495E-5,null,9,9.7952492069453001E-5,9.2900510935578495E-5]
["10–11",8.9930807007476687E-5,8.372891170438379E-5,9.6441173809580505E-5,null,10,8.372891170438379E-5,9.6441173809580505E-5]
["11–12",9.9826858786400408E-5,9.280726226279512E-5,1.072037557605654E-4,null,11,9.280726226279512E-5,1.072037557605654E-4]
["12–13",1.3597050565294921E-4,1.4378722698893398E-4,1.2775199138559401E-4,null,12,1.4378722698893398E-4,1.2775199138559401E-4]
["13–14",2.0466900605242699E-4,2.4757889332249761E-4,1.5957391588017344E-4,null,13,2.4757889332249761E-4,1.5957391588017344E-4]
["14–15",2.9889415600337088E-4,3.9240357000380754E-4,2.0073178166057914E-4,null,14,3.9240357000380754E-4,2.0073178166057914E-4]
["15–16",4.0521225309930742E-4,5.5566843366250396E-4,2.4748616851866245E-4,null,15,5.5566843366250396E-4,2.4748616851866245E-4]
["16–17",5.1305291708558798E-4,7.1945239324122667E-4,2.9695962439291179E-4,null,16,7.1945239324122667E-4,2.9695962439291179E-4]
["17–18",6.2297936528921127E-4,8.8465219596400857E-4,3.4934439463540912E-4,null,17,8.8465219596400857E-4,3.4934439463540912E-4]
["18–19",7.3082762537524104E-4,1.0441638296470046E-3,4.0348529000766575E-4,null,18,1.0441638296470046E-3,4.0348529000766575E-4]
["19–20",8.3695835201069713E-4,1.1988714104518294E-3,4.591793694999069E-4,null,19,1.1988714104518294E-3,4.591793694999069E-4]
["20–21",9.4932049978524446E-4,1.3608257286250591E-3,5.2017858251929283E-4,null,20,1.3608257286250591E-3,5.2017858251929283E-4]
["21–22",1.0648098541423678E-3,1.5267692506313324E-3,5.8359105605632067E-4,null,21,1.5267692506313324E-3,5.8359105605632067E-4]
["22–23",1.1698512826114893E-3,1.6776453703641891E-3,6.4147496595978737E-4,null,22,1.6776453703641891E-3,6.4147496595978737E-4]
["23–24",1.2585790827870369E-3,1.8053704407066107E-3,6.9023179821670055E-4,null,23,1.8053704407066107E-3,6.9023179821670055E-4]
["24–25",1.3349205255508423E-3,1.9145358819514513E-3,7.3310028528794646E-4,null,24,1.9145358819514513E-3,7.3310028528794646E-4]
["25–26",1.4056087238714099E-3,2.0147571340203285E-3,7.7369000064209104E-4,null,25,2.0147571340203285E-3,7.7369000064209104E-4]
["26–27",1.479519996792078E-3,2.1163332276046276E-3,8.1957282964140177E-4,null,26,2.1163332276046276E-3,8.1957282964140177E-4]
["27–28",1.560034928843379E-3,2.2212967742234468E-3,8.7586900917813182E-4,null,27,2.2212967742234468E-3,8.7586900917813182E-4]
["28–29",1.6509155975654721E-3,2.3337623570114374E-3,9.4613968394696712E-4,null,28,2.3337623570114374E-3,9.4613968394696712E-4]
["29–30",1.7488336889073253E-3,2.4508037604391575E-3,1.0264342417940497E-3,null,29,2.4508037604391575E-3,1.0264342417940497E-3]
["30–31",1.8492544768378139E-3,2.5690607726573944E-3,1.1109196348115802E-3,null,30,2.5690607726573944E-3,1.1109196348115802E-3]
["31–32",1.946534845046699E-3,2.6824427768588066E-3,1.1938654351979494E-3,null,31,2.6824427768588066E-3,1.1938654351979494E-3]
["32–33",2.0397014450281858E-3,2.7886757161468267E-3,1.2750470777973533E-3,null,32,2.7886757161468267E-3,1.2750470777973533E-3]
["33–34",2.128043444827199E-3,2.8866804204881191E-3,1.3537678169086576E-3,null,33,2.8866804204881191E-3,1.3537678169086576E-3]
["34–35",2.2155633196234703E-3,2.9816608875989914E-3,1.4331226702779531E-3,null,34,2.9816608875989914E-3,1.4331226702779531E-3]
["35–36",2.3080913815647364E-3,3.0806928407400846E-3,1.5180993359535933E-3,null,35,3.0806928407400846E-3,1.5180993359535933E-3]
["36–37",2.4092432577162981E-3,3.1896773725748062E-3,1.6106988769024611E-3,null,36,3.1896773725748062E-3,1.6106988769024611E-3]
["37–38",2.5188392028212547E-3,3.3103979658335447E-3,1.7091871704906225E-3,null,37,3.3103979658335447E-3,1.7091871704906225E-3]
["38–39",2.6382727082818747E-3,3.4460674505680799E-3,1.8135621212422848E-3,null,38,3.4460674505680799E-3,1.8135621212422848E-3]
["39–40",2.7682569343596697E-3,3.597174072638154E-3,1.9245431758463383E-3,null,39,3.597174072638154E-3,1.9245431758463383E-3]
["40–41",2.9164908919483423E-3,3.7721397820860147E-3,2.0484635606408119E-3,null,40,3.7721397820860147E-3,2.0484635606408119E-3]
["41–42",3.078484907746315E-3,3.9638103917241096E-3,2.1830711048096418E-3,null,41,3.9638103917241096E-3,2.1830711048096418E-3]
["42–43",3.243524581193924E-3,4.1583939455449581E-3,2.3209145292639732E-3,null,42,4.1583939455449581E-3,2.3209145292639732E-3]
["43–44",3.4096529707312584E-3,4.3525309301912785E-3,2.4612669367343187E-3,null,43,4.3525309301912785E-3,2.4612669367343187E-3]
["44–45",3.5872252192348242E-3,4.5598386786878109E-3,2.6111975312232971E-3,null,44,4.5598386786878109E-3,2.6111975312232971E-3]
["45–46",3.7920207250863314E-3,4.7994968481361866E-3,2.7838246896862984E-3,null,45,4.7994968481361866E-3,2.7838246896862984E-3]
["46–47",4.0358388796448708E-3,5.0897998735308647E-3,2.9840953648090363E-3,null,46,5.0897998735308647E-3,2.9840953648090363E-3]
["47–48",4.3152486905455589E-3,5.4309950210154057E-3,3.2034821342676878E-3,null,47,5.4309950210154057E-3,3.2034821342676878E-3]
["48–49",4.6250731684267521E-3,5.8183860965073109E-3,3.4355020616203547E-3,null,48,5.8183860965073109E-3,3.4355020616203547E-3]
["49–50",4.9593406729400158E-3,6.2408652156591415E-3,3.6798054352402687E-3,null,49,6.2408652156591415E-3,3.6798054352402687E-3]
["50–51",5.307620856910944E-3,6.6794445738196373E-3,3.9350236766040325E-3,null,50,6.6794445738196373E-3,3.9350236766040325E-3]
["51–52",5.6856516748666763E-3,7.1513829752802849E-3,4.2173410765826702E-3,null,51,7.1513829752802849E-3,4.2173410765826702E-3]
["52–53",6.1176544986665249E-3,7.6897568069398403E-3,4.5442110858857632E-3,null,52,7.6897568069398403E-3,4.5442110858857632E-3]
["53–54",6.6195051185786724E-3,8.3161201328039169E-3,4.927776288241148E-3,null,53,8.3161201328039169E-3,4.927776288241148E-3]
["54–55",7.1842232719063759E-3,9.0229641646146774E-3,5.3613744676113129E-3,null,54,9.0229641646146774E-3,5.3613744676113129E-3]
["55–56",7.76646938174963E-3,9.7540440037846565E-3,5.8090300299227238E-3,null,55,9.7540440037846565E-3,5.8090300299227238E-3]
["56–57",8.3690853789448738E-3,1.0509870015084743E-2,6.2737646512687206E-3,null,56,1.0509870015084743E-2,6.2737646512687206E-3]
["57–58",9.0417610481381416E-3,1.1349978856742382E-2,6.795171182602644E-3,null,57,1.1349978856742382E-2,6.795171182602644E-3]
["58–59",9.794997051358223E-3,1.2284765020012856E-2,7.3826606385409832E-3,null,58,1.2284765020012856E-2,7.3826606385409832E-3]
["59–60",1.0606326162815094E-2,1.3286473229527473E-2,8.0195330083370209E-3,null,59,1.3286473229527473E-2,8.0195330083370209E-3]
["60–61",1.1466973461210728E-2,1.4341270551085472E-2,8.7028238922357559E-3,null,60,1.4341270551085472E-2,8.7028238922357559E-3]
["61–62",1.2333479709923267E-2,1.5401571989059448E-2,9.3955155462026596E-3,null,61,1.5401571989059448E-2,9.3955155462026596E-3]
["62–63",1.3173462823033333E-2,1.64368636906147E-2,1.0065809823572636E-2,null,62,1.64368636906147E-2,1.0065809823572636E-2]
["63–64",1.398074347525835E-2,1.7445433884859085E-2,1.0706065222620964E-2,null,63,1.7445433884859085E-2,1.0706065222620964E-2]
["64–65",1.4797933399677277E-2,1.8474647775292397E-2,1.13544762134552E-2,null,64,1.8474647775292397E-2,1.13544762134552E-2]
["65–66",1.5665691345930099E-2,1.9575819373130798E-2,1.204089168459177E-2,null,65,{"$f":"C70","v":1.9575819373130798E-2},{"$f":"D70","v":1.204089168459177E-2}]
["66–67",1.6725668683648109E-2,2.0927274599671364E-2,1.2879956513643265E-2,null,66,2.0927274599671364E-2,1.2879956513643265E-2]
["67–68",1.7852839082479477E-2,2.2302970290184021E-2,1.3820887543261051E-2,null,67,2.2302970290184021E-2,1.3820887543261051E-2]
["68–69",1.9122175872325897E-2,2.3803994059562683E-2,1.4915267936885357E-2,null,68,2.3803994059562683E-2,1.4915267936885357E-2]
["69–70",2.0525803789496422E-2,2.5382772088050842E-2,1.6187539324164391E-2,null,69,2.5382772088050842E-2,1.6187539324164391E-2]
["70–71",2.1919380873441696E-2,2.6908043771982193E-2,1.7475336790084839E-2,null,70,2.6908043771982193E-2,1.7475336790084839E-2]
["71–72",2.3536447435617447E-2,2.8703657910227776E-2,1.8963683396577835E-2,null,71,2.8703657910227776E-2,1.8963683396577835E-2]
["72–73",2.5372466072440147E-2,3.0788198113441467E-2,2.0615546032786369E-2,null,72,3.0788198113441467E-2,2.0615546032786369E-2]
["73–74",2.7616243809461594E-2,3.3360812813043594E-2,2.260308712720871E-2,null,73,3.3360812813043594E-2,2.260308712720871E-2]
["74–75",2.98890620470047E-2,3.5944003611803055E-2,2.464723028242588E-2,null,74,3.5944003611803055E-2,2.464723028242588E-2]
["75–76",3.3725820481777191E-2,4.0496587753295898E-2,2.7932863682508469E-2,null,75,4.0496587753295898E-2,2.7932863682508469E-2]
["76–77",3.6933455616235733E-2,4.4053275138139725E-2,3.0922297388315201E-2,null,76,4.4053275138139725E-2,3.0922297388315201E-2]
["77–78",4.1016343981027603E-2,4.8809699714183807E-2,3.4536257386207581E-2,null,77,4.8809699714183807E-2,3.4536257386207581E-2]
["78–79",4.4758260250091553E-2,5.3173266351222992E-2,3.785700723528862E-2,null,78,5.3173266351222992E-2,3.785700723528862E-2]
["79–80",4.9530111253261566E-2,5.8908235281705856E-2,4.1967030614614487E-2,null,79,5.8908235281705856E-2,4.1967030614614487E-2]
["80–81",5.4119721055030823E-2,6.3953511416912079E-2,4.6335659921169281E-2,null,80,6.3953511416912079E-2,4.6335659921169281E-2]
["81–82",5.9482529759407043E-2,7.0310860872268677E-2,5.1084406673908234E-2,null,81,7.0310860872268677E-2,5.1084406673908234E-2]
["82–83",6.5401390194892883E-2,7.6958484947681427E-2,5.6608099490404129E-2,null,82,7.6958484947681427E-2,5.6608099490404129E-2]
["83–84",7.2224371135234833E-2,8.4812715649604797E-2,6.2880709767341614E-2,null,83,8.4812715649604797E-2,6.2880709767341614E-2]
["84–85",8.0608516931533813E-2,9.4499610364437103E-2,7.0582315325737E-2,null,84,9.4499610364437103E-2,7.0582315325737E-2]
["85–86",8.913923054933548E-2,0.10431919246912003,7.9149030148983002E-2,null,85,0.10431919246912003,7.9149030148983002E-2]
["86–87",9.9585749208927155E-2,0.11642839759588242,8.7870202958583832E-2,null,86,0.11642839759588242,8.7870202958583832E-2]
["87–88",0.11102119833230972,0.12961922585964203,9.8711803555488586E-2,null,87,0.12961922585964203,9.8711803555488586E-2]
["88–89",0.12348382920026779,0.1439136415719986,0.11063536256551743,null,88,0.1439136415719986,0.11063536256551743]
["89–90",0.13700051605701447,0.15931680798530579,0.12368553876876831,null,89,0.15931680798530579,0.12368553876876831]
["90–91",0.15158386528491974,0.17581412196159363,0.13789331912994385,null,90,0.17581412196159363,0.13789331912994385]
["91–92",0.16722944378852844,0.19336862862110138,0.15327244997024536,null,91,0.19336862862110138,0.15327244997024536]
["92–93",0.18391329050064087,0.21191917359828949,0.16981595754623413,null,92,0.21191917359828949,0.16981595754623413]
["93–94",0.20158977806568146,0.23137934505939484,0.18749299645423889,null,93,0.23137934505939484,0.18749299645423889]
["94–95",0.22019030153751373,0.25163766741752625,0.2062462717294693,null,94,0.25163766741752625,0.2062462717294693]
["95–96",0.23962278664112091,0.27255907654762268,0.22599062323570251,null,95,0.27255907654762268,0.22599062323570251]
["96–97",0.25977244973182678,0.29398778080940247,0.24661274254322052,null,96,0.29398778080940247,0.24661274254322052]
["97–98",0.28050351142883301,0.31575146317481995,0.26797235012054443,null,97,0.31575146317481995,0.26797235012054443]
["98–99",0.30166247487068176,0.33766648173332214,0.28990516066551208,null,98,0.33766648173332214,0.28990516066551208]
["99–100",0.32308214902877808,0.35954409837722778,0.3122272789478302,null,99,0.35954409837722778,0.3122272789478302]
["100 and older",1,1,1,null,100,1,1]
["* Data Source: US National Vital Statistics Reports, Vol. 72, No. 12, November 7, 2023"]

{"sheet":"Lapse","index":7,"n_rows":43,"n_cols":3,"rows_kept":43,"cut":false,"hidden":false,"merged":[]}
[null,"Lapse/Terminal Rate Assumption"]
[null,"Policy Year","Rate"]
[null,1,0.1]
[null,2,0.08]
[null,3,7.0000000000000007E-2]
[null,4,0.06]
[null,5,0.05]
[null,6,0.04]
[null,7,0.03]
[null,8,0.02]
[null,9,0.02]
[null,10,0.02]
[null,11,0.02]
[null,12,0.02]
[null,13,0.02]
[null,14,0.02]
[null,15,0.02]
[null,16,0.02]
[null,17,0.02]
[null,18,0.02]
[null,19,0.02]
[null,20,0.02]
[null,21,0.02]
[null,22,0.02]
[null,23,0.02]
[null,24,0.02]
[null,25,0.02]
[null,26,0.02]
[null,27,0.02]
[null,28,0.02]
[null,29,0.02]
[null,30,0.02]
[null,31,0.02]
[null,32,0.02]
[null,33,0.02]
[null,34,0.02]
[null,35,0.02]
[null,36,0.02]
[null,37,0.02]
[null,38,0.02]
[null,39,0.02]
[null,40,0.02]
[null,41,0.02]

{"sheet":"Benefit_Factor","index":8,"n_rows":3,"n_cols":3,"rows_kept":3,"cut":false,"hidden":false,"merged":[]}
[null,"Pension Benefit Factor"]
[null,"Ordinary",0.02]
[null,"Senior",0.03]