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D.C. Municipal Regulations (Last Updated: September 13, 2017) |
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Title 26. INSURANCE, SECURITIES, AND BANKING |
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SubTilte 26-A. INSURANCE |
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Chapter 26-A30. VALUATION OF LIFE INSURANCE POLICIES |
Section 26-A3004. DEFINITIONS
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3004.1The definition of terms found in D.C. Official Code §§ 31-4701 et seq. (2001 and 2007 Supp.) shall apply to this chapter. For purposes of this chapter, the following terms shall have the meanings ascribed below:
"2001 CSO Mortality Table" means that mortality table, consisting of separate rates of mortality for male and female lives, developed by the American Academy of Actuaries CSO Task Force from the Valuation Basic Mortality Table developed by the Society of Actuaries Individual Life Insurance Valuation Mortality Task Force, and adopted by the National Association of Insurance Commissioners ("NAIC") in December 2002 and supplemented by the NAIC in September 2006. The 2001 CSO Mortality Table is included in the Proceedings of the National Association of Insurance Commissioners (2nd Quarter 2002) and is supplemented by the 2001 CSO Preferred Class Structure Mortality Table included in the Proceedings of the NAIC (3rd Quarter 2006). Unless the context indicates otherwise, the 2001 CSO Mortality Table includes both the ultimate form of that table and the select and ultimate form of that table and includes both the smoker and nonsmoker mortality tables and the composite mortality tables. It also includes both the age-nearest-birthday and age-last-birthday bases of the mortality tables.
"2001 CSO Mortality Table (F)" means that mortality table consisting of the rates of mortality for female lives from the 2001 CSO Mortality Table.
"2001 CSO Mortality Table (M)" means that mortality table consisting of the rates of mortality for male lives from the 2001 CSO Mortality Table.
"2001 CSO Preferred Class Structure Mortality Table" means mortality tables with separate rates of mortality for the super preferred nonsmokers, preferred nonsmokers, residual standard nonsmokers, preferred smokers, and residual standard smoker splits of the 2001 CSO nonsmoker and smoker tables as adopted by the NAIC in September 2006 and published in the Proceedings of the NAIC (3rd Quarter 2006). Unless the context indicates otherwise, the phrase "2001 CSO Preferred Class Structure Mortality Table" includes: both the ultimate form of that table and the select and ultimate form of that table; both the smoker and nonsmoker mortality tables; both the male and female mortality tables and the gender composite mortality tables; and both the age-nearest-birthday and age-last-birthday bases of the mortality table.
"Basic reserves" means reserves calculated in accordance with D.C. Code § 35-501 et seq.
"Composite mortality tables" means mortality tables with rates of mortality that do not distinguish between smokers and nonsmokers.
"Contract segmentation method" means the method of dividing the period from issue to mandatory expiration of a policy into successive segments, with the length of each segment being defined as the period from the end of the prior segment (from policy inception, for the first segment) to the end of the latest policy year as determined below. All calculations are made using the 1980 CSO valuation tables, as defined in this section, (or any other valuation mortality table adopted by the National Association of Insurance Commissioners after the effective date of this regulation and promulgated by regulation by the commissioner for this purpose), and, if elected, the optional minimum mortality standard for deficiency reserves stipulated in § 3001.2 of this chapter.
The length of a particular contract segment shall be set equal to the minimum of the value t for which G[t] is greater than R[t] (if G[t] never exceeds R[t] the segment length is deemed to be the number of years from the beginning of the segment to the mandatory expiration date of the policy), where G[t] and R[t] are defined as follows:
G[t]= (GP[x+k+t]) / (GP[x+k+t-l])
where:
x= original issue age;
k= the number of years from the date of issue to the beginning of the segment;
t= 1, 2, . . .; t is reset to 1 at the beginning of each segment;
GP[x+k+t-l]= Guaranteed gross premium per thousand of face amount for year t of the segment, ignoring policy fees only if level for the premium paying period of the policy.
R[t]= (q[x+k+t]) / (q[x+k+t-1]), However, R[t] may be increased or decreased by one percent in any policy year, at the company's option, but R[t] shall not be less than one;
where:
x, k and t are as defined above, and
q[x+k+t-l]= valuation mortality rate for deficiency reserves in policy year k+t but using the mortality of § 3001.2(b) if § 3001.2(c) is elected for deficiency reserves.
However, if GP[x+k+t] is greater than 0 and GP[x+k+t-l] is equal to 0, G[t] shall be deemed to be 1000. If GP[x+k+t] and GP[x+k+t-1] are both equal to 0, G[t] shall be deemed to be 0.
"Deficiency reserves" means the excess, if greater than zero, of
(a)Minimum reserves calculated in accordance with D.C. Code § 35-501 over basic reserves.
"Guaranteed gross premiums" means the premiums under a policy of life insurance that are guaranteed and determined at issue.
"Maximum valuation interest rates" means the interest rates defined in D.C. Code § 35-501 et seq. (Computation of Minimum Standard by Calendar Year of Issue) that are to be used in determining the minimum standard for the valuation of life insurance policies.
"1980 CSO valuation tables" means the Commissioners' 1980 Standard Ordinary Mortality Table (1980 CSO Table) without ten-year selection factors, incorporated into the 1980 amendments to the National Association of Insurance Commissioners Standard Valuation Law, and variations of the 1980 CSO Table approved by the National Association of Insurance Commissioners such as the smoker and nonsmoker versions approved in December 1983.
"Scheduled gross premium" means the smallest illustrated gross premium at issue for other than universal life insurance policies. For universal life insurance policies, scheduled gross premium means the smallest specified premium described in § 3003.3, if any, or else the minimum premium described in § 3003.4.
"Segmented reserves" means reserves, calculated using segments produced by the contract segmentation method, equal to the present value of all future guaranteed benefits less the present value of all future net premiums to the mandatory expiration of a policy, where the net premiums within each segment are a uniform percentage of the respective guaranteed gross premiums within the segment. The uniform percentage for each segment is such that, at the beginning of the segment, the present value of the net premiums within the segment equals the present value of the death benefits within the segment, plus the present value of any unusual guaranteed cash value (see § 3002.7) occurring at the end of the segment, less any unusual guaranteed cash value occurring at the start of the segment, plus for the first segment only, the excess of the item (a) over item (b), as follows:
(a)A net level annual premium equal to the present value, at the date of issue, of the benefits provided for in the first segment after the first policy year, divided by the present value, at the date of issue, of an annuity of one per year payable on the first and each subsequent anniversary within the first segment on which a premium falls due. However, the net level annual premium shall not exceed the net level annual premium on the nineteen-year premium whole life plan of insurance of the same renewal year equivalent level amount at an age one year higher than the age at issue of the policy.
(b)A net one-year term premium for the benefits provided for in the first policy year. The length of each segment is determined by the "contract segmentation method," as defined in this section. The interest rates used in the present value calculations for any policy may not exceed the maximum valuation interest rate, determined with a guarantee duration equal to the sum of the lengths of all segments of the policy. For both basic reserves and deficiency reserves computed by the segmented method, present values shall include future benefits and net premiums in the current segment and in all subsequent segments.
"Smoker and nonsmoker mortality tables" means mortality tables with separate rates of mortality for smokers and nonsmokers.
"Statistical agent" means an entity with: proven systems for protecting the confidentiality of individual insured and insurer information; demonstrated resources for and history of ongoing electronic communications and data transfer ensuring data integrity with insurers, which are its members or subscribers; and a history of and means for aggregation of data and accurate promulgation of the experience modifications in a timely manner.
"Tabular cost of insurance" means the net single premium at the beginning of a policy year for one year term insurance in the amount of the guaranteed death benefit in that policy year.
"Ten-year select factors" means the select factors adopted with the 1980 amendments to the National Association of Insurance Commissioners Standard Valuation Law.
"Unitary reserves" means the present value of all future guaranteed benefits less the present value of all future modified net premiums, where:
(a)Guaranteed benefits and modified net premiums are considered to the mandatory expiration of the policy; and
(b)Modified net premiums are a uniform percentage of the respective guaranteed gross premiums, where the uniform percentage is such that, at issue, the present value of the net premiums equals the present value of all death benefits and pure endowments, plus the excess of item (1) over item (2), as follows:
(1)A net level annual premium equal to the present value, at the date of issue, of the benefits provided for after the first policy year, divided by the present value, at the date of issue, of an annuity of one per year payable on the first and each subsequent anniversary of the policy on which a premium falls due. However, the net level annual premium shall not exceed the net level annual premium on the nineteen-year premium whole life plan of insurance of the same renewal year equivalent level amount at an age one year higher than the age at issue of the policy.
(2)A net one-year term premium for the benefits provided for in the first policy year.
(3)The interest rates used in the present value calculations for any policy may not exceed the maximum valuation interest rate, determined with a guarantee duration equal to the length from issue to the mandatory expiration of the policy.
"Universal life insurance policy" means any individual life insurance policy under the provisions of which separately identified interest credits (other than in connection with dividend accumulations, premium deposit funds, or other supplementary accounts) and mortality or expense charges are made to the policy.
SOURCE: Final Rulemaking published at 47 DCR 2914 (April 28, 2000).
Appendix
BASE SELECT MORTALITY FACTORS
This appendix contains tables of select mortality factors that are the bases to which the respective percentages of Sections 3001.1(b), 3001.2(b) and 3001.2(c) are applied.
The six tables of select mortality factors contained herein include: (1) male aggregate, (2) male nonsmokers, (3) male smoker, (4) female aggregate, (5) female nonsmoker, and (6) female smoker.
These tables apply to both age last birthday and age nearest birthday mortality tables.
For sex-blended mortality tables, compute select mortality factors in the same proportion as the underlying mortality. For example, for the 1980 CSO-B Table, the calculated select mortality factors are eighty percent (80%) of the appropriate male table in this Appendix, plus twenty percent (20%) of the appropriate female table in this Appendix.
Appendix
SELECT MORTALITY FACTORS
Male, Aggregate
Issue Duration
Age
1
2
3
4
5
6
7
8
9
10
0-15
100
100
100
100
100
100
100
100
100
100
16
100
100
100
100
100
100
100
100
100
100
17
100
100
100
100
100
100
100
100
100
100
18
96
98
98
99
99
100
100
90
92
92
19
83
84
84
87
87
87
79
79
79
81
20
69
71
71
74
74
69
69
67
69
70
21
66
68
69
71
66
66
67
66
67
70
22
65
66
66
63
63
64
64
64
65
68
23
62
63
59
60
62
62
63
63
64
65
24
60
56
56
59
59
60
61
61
61
64
25
52
53
55
56
58
58
60
60
60
63
26
51
52
55
56
58
58
57
61
61
62
27
51
52
55
57
58
60
61
61
60
63
28
49
51
56
58
60
60
61
62
62
63
29
49
51
56
58
60
61
62
62
62
64
30
49
50
56
58
60
60
62
63
63
64
31
47
50
56
58
60
62
63
64
64
62
32
46
49
56
59
60
62
63
66
62
63
33
43
49
56
59
62
63
64
62
65
66
34
42
47
56
60
62
63
61
63
66
67
35
40
47
56
60
63
61
62
65
67
68
36
38
42
56
60
59
61
63
65
67
68
37
38
45
56
57
61
62
63
65
67
68
38
37
44
53
58
61
62
65
66
67
69
39
37
41
53
58
62
63
65
65
66
68
40
34
40
53
58
62
63
65
65
66
68
41
34
41
53
58
62
63
65
64
64
66
42
34
43
53
58
61
62
63
63
63
64
43
34
43
54
59
60
61
63
62
62
64
44
34
44
54
58
59
60
61
60
61
62
45
34
45
53
58
59
60
60
60
59
60
46
31
43
52
56
57
58
59
59
59
60
47
32
42
50
53
55
56
57
58
59
60
48
32
41
47
52
54
56
57
57
57
61
49
30
40
46
49
52
54
55
56
57
61
50
30
38
44
47
51
53
54
56
57
61
51
28
37
42
46
49
53
54
56
57
61
52
28
35
41
45
49
51
54
56
57
61
53
27
35
39
44
48
51
53
55
57
61
54
27
33
38
44
48
50
53
55
57
61
55
25
32
37
43
47
50
53
55
57
61
56
25
32
37
43
47
49
51
54
56
61
57
24
31
38
43
47
49
51
54
56
59
58
24
31
38
43
48
48
50
53
56
59
59
23
30
39
43
48
48
51
53
55
58
60
23
30
39
43
48
47
50
52
53
57
61
23
30
39
43
49
49
50
52
53
75
62
23
30
39
44
49
49
51
52
75
75
63
22
30
39
45
50
50
52
75
75
75
64
22
30
39
45
50
51
75
75
75
75
65
22
30
39
45
50
65
70
70
70
70
66
22
30
39
45
60
65
70
70
70
70
67
22
30
39
60
60
65
70
70
70
70
68
23
32
55
60
60
65
70
70
70
70
69
23
52
55
60
60
65
70
70
70
70
70
48
52
55
60
60
65
70
70
70
70
71
48
52
55
60
60
65
70
70
70
70
72
48
52
55
60
60
65
70
70
70
70
73
48
52
55
60
60
65
70
70
70
70
74
48
52
55
60
60
65
70
70
70
70
75
48
52
55
60
60
65
70
70
70
70
76
48
52
55
60
60
65
70
70
70
100
77
48
52
55
60
60
65
70
70
100
100
78
48
52
55
60
60
65
70
100
100
100
79
48
52
55
60
60
65
100
100
100
100
80
48
52
55
60
60
100
100
100
100
100
81
48
52
55
60
100
100
100
100
100
100
82
48
52
55
100
100
100
100
100
100
100
83
48
52
100
100
100
100
100
100
100
100
84
48
100
100
100
100
100
100
100
100
100
85+
100
100
100
100
100
100
100
100
100
100
Age
11
12
13
14
15
16
17
18
19
20+
0-15
100
100
100
100
100
100
100
100
100
100
16
100
100
100
100
100
100
100
100
100
100
17
100
100
100
100
100
100
100
100
100
100
18
92
92
93
93
96
97
98
98
99
100
19
81
82
82
82
85
88
91
94
97
100
20
71
71
71
71
74
79
84
90
95
100
21
70
70
70
71
71
77
83
88
94
100
22
68
68
68
69
71
77
83
88
94
100
23
65
67
67
69
70
76
82
88
94
100
24
64
64
66
67
70
76
82
88
94
100
25
62
63
64
67
69
75
81
88
94
100
26
63
64
66
69
66
73
80
86
93
100
27
63
64
67
66
67
74
80
87
93
100
28
64
66
65
66
68
74
81
87
94
100
29
64
62
66
67
70
76
82
88
94
100
30
62
63
67
68
71
77
83
88
94
100
31
63
66
68
70
72
78
83
89
94
100
32
66
67
70
72
73
78
84
89
95
100
33
67
70
72
73
75
80
85
90
95
100
34
70
71
73
75
76
81
86
90
95
100
35
71
73
74
76
76
81
86
90
95
100
36
70
72
74
76
77
82
86
91
95
100
37
70
72
74
76
76
81
86
90
95
100
38
69
73
75
76
77
82
86
91
95
100
39
69
72
74
76
76
81
86
90
95
100
40
68
71
75
76
77
82
86
91
95
100
41
68
70
74
76
77
82
86
91
95
100
42
66
69
72
75
77
82
86
91
95
100
43
66
67
72
74
77
82
86
91
95
100
44
64
67
71
74
77
82
86
91
95
100
45
63
66
71
74
77
82
86
91
95
100
46
63
67
71
74
75
80
85
90
95
100
47
65
68
71
74
75
80
85
90
95
100
48
65
68
72
73
74
79
84
90
95
100
49
66
69
72
73
74
79
84
90
95
100
50
66
71
72
73
75
80
85
90
95
100
51
66
71
72
73
75
80
85
90
95
100
52
66
71
72
74
75
80
85
90
100
100
53
67
71
74
75
76
81
86
100
100
100
54
67
72
74
75
76
81
100
100
100
100
55
68
72
74
75
78
100
100
100
100
100
56
67
70
73
74
100
100
100
100
100
100
57
66
69
72
100
100
100
100
100
100
100
58
64
67
100
100
100
100
100
100
100
100
59
63
100
100
100
100
100
100
100
100
100
60
100
100
100
100
100
100
100
100
100
100
61
100
100
100
100
100
100
100
100
100
100
62
100
100
100
100
100
100
100
100
100
100
63
100
100
100
100
100
100
100
100
100
100
64
100
100
100
100
100
100
100
100
100
100
65
100
100
100
100
100
100
100
100
100
100
66
100
100
100
100
100
100
100
100
100
100
67
100
100
100
100
100
100
100
100
100
100
68
100
100
100
100
100
100
100
100
100
100
69
100
100
100
100
100
100
100
100
100
100
70
100
100
100
100
100
100
100
100
100
100
71
100
100
100
100
100
100
100
100
100
100
72
100
100
100
100
100
100
100
100
100
100
73
100
100
100
100
100
100
100
100
100
100
74
100
100
100
100
100
100
100
100
100
100
75
100
100
100
100
100
100
100
100
100
100
76
100
100
100
100
100
100
100
100
100
100
77
100
100
100
100
100
100
100
100
100
100
78
100
100
100
100
100
100
100
100
100
100
79
100
100
100
100
100
100
100
100
100
100
80
100
100
100
100
100
100
100
100
100
100
81
100
100
100
100
100
100
100
100
100
100
82
100
100
100
100
100
100
100
100
100
100
83
100
100
100
100
100
100
100
100
100
100
84
100
100
100
100
100
100
100
100
100
100
85+
100
100
100
100
100
100
100
100
100
100
Male, Non-Smoker
Issue Duration
Age
1
2
3
4
5
6
7
8
9
10
0-15
100
100
100
100
100
100
100
100
100
100
16
100
100
100
100
100
100
100
100
100
100
17
100
100
100
100
100
100
100
100
100
100
18
93
95
96
98
99
100
100
90
92
92
19
80
81
83
86
87
87
79
79
79
81
20
65
68
69
72
74
69
69
67
69
70
21
63
66
68
71
66
66
67
66
67
70
22
62
65
66
62
63
64
64
64
67
68
23
60
62
58
60
62
62
63
63
64
67
24
59
55
56
58
59
60
61
61
63
65
25
52
53
55
56
58
58
60
60
61
64
26
51
53
55
56
58
60
61
61
61
63
27
51
52
55
58
60
60
61
61
62
63
28
49
52
57
58
60
61
63
62
62
64
29
49
51
57
60
61
61
62
62
63
64
30
49
51
57
60
61
62
63
63
63
64
31
47
50
57
60
60
62
63
64
64
62
32
46
50
57
60
62
63
64
64
62
63
33
45
49
56
60
62
63
64
62
63
65
34
43
48
56
62
63
64
62
62
65
66
35
41
47
56
62
63
61
62
63
66
67
36
40
47
56
62
59
61
62
63
66
67
37
38
45
56
58
59
61
62
63
66
67
38
38
45
53
58
61
62
63
65
65
67
39
37
41
53
58
61
62
63
64
65
67
40
34
41
53
58
61
62
63
64
64
66
41
34
41
53
58
61
61
62
62
63
65
42
34
43
53
58
60
61
62
61
61
63
43
32
43
53
58
60
61
60
60
60
60
44
32
44
52
57
59
60
60
59
59
58
45
32
44
52
57
59
60
59
57
57
57
46
32
42
50
54
56
57
57
56
55
56
47
30
40
48
52
54
55
55
54
54
55
48
30
40
46
49
51
52
53
53
54
55
49
29
39
43
48
50
51
50
51
53
54
50
29
37
42
45
47
48
49
50
51
54
51
27
35
40
43
45
47
48
50
51
53
52
27
34
39
42
44
45
48
49
50
53
53
25
31
37
41
44
45
47
49
50
51
54
25
30
36
39
43
44
47
48
49
51
55
24
29
35
38
42
43
45
48
49
50
56
23
29
35
38
42
42
44
47
48
50
57
23
28
35
38
42
42
43
45
47
49
58
22
28
33
37
41
41
43
45
45
47
59
22
26
33
37
41
41
42
44
44
46
60
20
26
33
37
41
40
41
42
42
45
61
20
26
33
37
41
40
41
42
42
75
62
19
25
32
38
40
40
41
42
75
75
63
19
25
33
36
40
40
41
75
75
75
64
18
24
32
36
39
40
75
75
75
75
65
18
24
32
36
39
65
70
70
70
70
66
18
24
32
36
60
65
70
70
70
70
67
18
24
32
60
60
65
70
70
70
70
68
18
24
55
60
60
65
70
70
70
70
69
18
52
55
60
60
65
70
70
70
70
70
48
52
55
60
60
65
70
70
70
70
71
48
52
55
60
60
65
70
70
70
70
72
48
52
55
60
60
65
70
70
70
70
73
48
52
55
60
60
65
70
70
70
70
74
48
52
55
60
60
65
70
70
70
70
75
48
52
55
60
60
65
70
70
70
70
76
48
52
55
60
60
65
70
70
70
100
77
48
52
55
60
60
65
70
70
100
100
78
48
52
55
60
60
65
70
100
100
100
79
48
52
55
60
60
65
100
100
100
100
80
48
52
55
60
60
100
100
100
100
100
81
48
52
55
60
100
100
100
100
100
100
82
48
52
55
100
100
100
100
100
100
100
83
48
52
100
100
100
100
100
100
100
100
84
48
100
100
100
100
100
100
100
100
100
85+
100
100
100
100
100
100
100
100
100
100
Age
11
12
13
14
15
16
17
18
19
20+
0-15
100
100
100
100
100
100
100
100
100
100
16
100
100
100
100
100
100
100
100
100
100
17
100
100
100
100
100
100
100
100
100
100
18
92
92
95
95
96
97
98
98
99
100
19
81
82
83
83
86
89
92
94
97
100
20
71
71
72
72
75
80
85
90
95
100
21
70
70
71
71
73
78
84
89
95
100
22
68
68
70
70
73
78
84
89
95
100
23
68
68
67
69
71
77
83
88
94
100
24
67
66
66
69
71
77
83
88
94
100
25
64
64
64
67
70
76
82
88
94
100
26
64
64
66
69
67
74
80
87
93
100
27
64
66
67
66
67
74
80
87
93
100
28
66
66
63
66
68
74
81
87
94
100
29
66
63
65
67
68
74
81
87
94
100
30
62
63
66
68
70
76
82
88
94
100
31
63
65
67
70
71
77
83
88
94
100
32
65
66
68
71
72
78
83
89
94
100
33
66
68
71
73
74
79
84
90
95
100
34
67
70
72
74
74
79
84
90
95
100
35
68
70
72
74
75
80
85
90
95
100
36
68
70
72
74
75
80
85
90
95
100
37
67
69
71
73
74
79
84
90
95
100
38
68
70
72
74
73
78
84
89
95
100
39
68
70
71
73
73
78
84
89
95
100
40
67
69
71
73
72
78
83
89
94
100
41
65
67
69
71
71
77
83
88
94
100
42
64
66
67
69
71
77
83
88
94
100
43
62
64
66
68
69
75
81
88
94
100
44
60
62
65
67
69
75
81
88
94
100
45
59
61
63
66
68
74
81
87
94
100
46
59
61
63
65
67
74
80
87
93
100
47
59
61
62
63
66
73
80
86
93
100
48
57
61
62
63
63
70
78
85
93
100
49
57
61
61
62
62
70
77
85
92
100
50
57
61
61
61
61
69
77
84
92
100
51
57
60
61
61
62
70
77
85
92
100
52
56
60
60
62
62
70
77
85
100
100
53
56
59
61
61
62
70
77
100
100
100
54
55
59
59
61
62
70
100
100
100
100
55
56
58
59
61
62
100
100
100
100
100
56
55
57
58
59
100
100
100
100
100
100
57
53
55
56
100
100
100
100
100
100
100
58
51
53
100
100
100
100
100
100
100
100
59
50
100
100
100
100
100
100
100
100
100
60
100
100
100
100
100
100
100
100
100
100
61
100
100
100
100
100
100
100
100
100
100
62
100
100
100
100
100
100
100
100
100
100
63
100
100
100
100
100
100
100
100
100
100
64
100
100
100
100
100
100
100
100
100
100
65
100
100
100
100
100
100
100
100
100
100
66
100
100
100
100
100
100
100
100
100
100
67
100
100
100
100
100
100
100
100
100
100
68
100
100
100
100
100
100
100
100
100
100
69
100
100
100
100
100
100
100
100
100
100
70
100
100
100
100
100
100
100
100
100
100
71
100
100
100
100
100
100
100
100
100
100
72
100
100
100
100
100
100
100
100
100
100
73
100
100
100
100
100
100
100
100
100
100
74
100
100
100
100
100
100
100
100
100
100
75
100
100
100
100
100
100
100
100
100
100
76
100
100
100
100
100
100
100
100
100
100
77
100
100
100
100
100
100
100
100
100
100
78
100
100
100
100
100
100
100
100
100
100
79
100
100
100
100
100
100
100
100
100
100
80
100
100
100
100
100
100
100
100
100
100
81
100
100
100
100
100
100
100
100
100
100
82
100
100
100
100
100
100
100
100
100
100
83
100
100
100
100
100
100
100
100
100
100
84
100
100
100
100
100
100
100
100
100
100
85+
100
100
100
100
100
100
100
100
100
100
Male, Smoker
Issue Duration
Age
1
2
3
4
5
6
7
8
9
10
0-15
100
100
100
100
100
100
100
100
100
100
16
100
100
100
100
100
100
100
100
100
100
17
100
100
100
100
100
100
100
100
100
100
18
100
100
100
100
100
100
100
100
100
100
19
100
100
100
100
100
100
100
100
100
100
20
98
100
100
100
100
100
100
99
99
99
21
95
98
99
100
95
96
96
95
96
97
22
92
95
96
90
90
93
93
92
93
95
23
90
92
85
88
88
89
89
89
90
90
24
87
81
82
85
84
86
88
86
86
88
25
77
78
79
82
81
83
83
82
83
85
26
75
77
79
82
82
83
83
82
83
84
27
73
75
78
82
82
83
83
82
82
82
28
71
73
79
82
81
82
83
81
81
82
29
69
72
78
81
81
82
82
81
81
81
30
68
71
78
81
81
81
82
81
81
81
31
65
70
77
81
79
81
82
81
81
76
32
63
67
77
78
79
81
81
81
76
77
33
60
65
74
78
79
79
81
76
77
77
34
57
62
74
77
79
79
75
76
77
79
35
53
60
73
77
79
75
75
76
77
79
36
52
59
71
75
74
75
75
76
77
79
37
49
58
70
71
74
74
75
76
77
78
38
48
55
66
70
72
74
74
75
76
78
39
45
50
65
70
72
72
74
74
75
77
40
41
49
63
68
71
72
73
74
74
76
41
40
49
63
68
71
72
72
72
73
75
42
40
49
62
68
70
71
71
71
71
73
43
39
50
62
67
69
69
70
70
70
71
44
39
50
60
66
68
69
68
69
69
69
45
37
50
60
66
68
68
68
67
67
67
46
37
48
58
63
65
67
66
66
66
67
47
36
47
55
61
63
64
64
64
65
67
48
35
46
53
58
60
62
63
63
65
67
49
34
45
51
56
58
59
61
62
63
67
50
34
43
49
53
55
57
60
61
63
67
51
32
42
47
52
55
57
60
61
63
67
52
32
40
46
50
54
56
60
61
63
67
53
30
37
44
49
54
56
59
61
65
67
54
30
36
43
48
53
55
59
61
65
67
55
29
35
42
47
53
55
59
61
65
67
56
28
35
42
47
53
55
57
60
63
68
57
28
35
42
47
53
54
57
60
64
67
58
26
33
43
48
54
54
56
59
63
67
59
26
33
43
48
54
53
57
59
63
66
60
25
33
43
48
54
53
56
58
62
66
61
25
33
43
49
55
55
57
59
63
75
62
25
33
43
50
56
56
58
61
75
75
63
24
33
45
51
56
56
59
75
75
75
64
24
34
45
51
57
57
75
75
75
75
65
24
34
45
52
57
65
70
70
70
70
66
24
35
45
53
60
65
70
70
70
70
67
25
35
45
60
60
65
70
70
70
70
68
25
36
55
60
60
65
70
70
70
70
69
27
52
55
60
60
65
70
70
70
70
70
48
52
55
60
60
65
70
70
70
70
71
48
52
55
60
60
65
70
70
70
70
72
48
52
55
60
60
65
70
70
70
70
73
48
52
55
60
60
65
70
70
70
70
74
48
52
55
60
60
65
70
70
70
70
75
48
52
55
60
60
65
70
70
70
70
76
48
52
55
60
60
65
70
70
70
100
77
48
52
55
60
60
65
70
70
100
100
78
48
52
55
60
60
65
70
100
100
100
79
48
52
55
60
60
65
100
100
100
100
80
48
52
55
60
60
100
100
100
100
100
81
48
52
55
60
100
100
100
100
100
100
82
48
52
55
100
100
100
100
100
100
100
83
48
52
100
100
100
100
100
100
100
100
84
48
100
100
100
100
100
100
100
100
100
85+
100
100
100
100
100
100
100
100
100
100
Age
11
12
13
14
15
16
17
18
19
20+
0-15
100
100
100
100
100
100
100
100
100
100
16
100
100
100
100
100
100
100
100
100
100
17
100
100
100
100
100
100
100
100
100
100
18
100
100
100
100
100
100
100
100
100
100
19
100
100
100
100
100
100
100
100
100
100
20
100
99
99
99
100
100
100
100
100
100
21
97
96
96
96
96
97
98
98
99
100
22
95
93
93
92
93
94
96
97
99
100
23
90
90
89
90
92
94
95
97
98
100
24
88
86
86
88
89
91
93
96
98
100
25
84
84
84
85
86
89
92
94
97
100
26
84
84
84
85
81
85
89
92
96
100
27
82
84
84
80
81
85
89
92
96
100
28
82
82
80
80
81
85
89
92
96
100
29
81
77
80
80
81
85
89
92
96
100
30
76
77
80
80
81
85
89
92
96
100
31
77
79
81
81
83
86
90
93
97
100
32
77
80
83
83
85
88
91
94
97
100
33
79
80
83
85
85
88
91
94
97
100
34
79
81
83
85
87
90
92
95
97
100
35
80
82
84
86
88
90
93
95
98
100
36
79
81
83
85
87
90
92
95
97
100
37
79
81
84
86
86
89
92
94
97
100
38
79
81
83
85
87
90
92
95
97
100
39
79
81
84
86
86
89
92
94
97
100
40
78
80
83
85
86
89
92
94
97
100
41
76
78
81
84
85
88
91
94
97
100
42
75
76
81
83
85
88
91
94
97
100
43
73
76
79
83
85
88
91
94
97
100
44
71
74
79
81
85
88
91
94
97
100
45
69
73
78
81
85
88
91
94
97
100
46
71
74
78
81
84
87
90
94
97
100
47
71
75
79
81
84
87
90
94
97
100
48
72
75
79
81
83
86
90
93
97
100
49
72
77
80
81
83
86
90
93
97
100
50
73
78
80
81
81
85
89
92
96
100
51
73
78
80
83
84
87
90
94
97
100
52
73
78
81
84
85
88
91
94
100
100
53
74
79
83
85
87
90
92
100
100
100
54
74
80
84
85
89
91
100
100
100
100
55
75
80
84
86
90
100
100
100
100
100
56
74
79
83
85
100
100
100
100
100
100
57
74
78
81
100
100
100
100
100
100
100
58
73
78
100
100
100
100
100
100
100
100
59
73
100
100
100
100
100
100
100
100
100
60
100
100
100
100
100
100
100
100
100
100
61
100
100
100
100
100
100
100
100
100
100
62
100
100
100
100
100
100
100
100
100
100
63
100
100
100
100
100
100
100
100
100
100
64
100
100
100
100
100
100
100
100
100
100
65
100
100
100
100
100
100
100
100
100
100
66
100
100
100
100
100
100
100
100
100
100
67
100
100
100
100
100
100
100
100
100
100
68
100
100
100
100
100
100
100
100
100
100
69
100
100
100
100
100
100
100
100
100
100
70
100
100
100
100
100
100
100
100
100
100
71
100
100
100
100
100
100
100
100
100
100
72
100
100
100
100
100
100
100
100
100
100
73
100
100
100
100
100
100
100
100
100
100
74
100
100
100
100
100
100
100
100
100
100
75
100
100
100
100
100
100
100
100
100
100
76
100
100
100
100
100
100
100
100
100
100
77
100
100
100
100
100
100
100
100
100
100
78
100
100
100
100
100
100
100
100
100
100
79
100
100
100
100
100
100
100
100
100
100
80
100
100
100
100
100
100
100
100
100
100
81
100
100
100
100
100
100
100
100
100
100
82
100
100
100
100
100
100
100
100
100
100
83
100
100
100
100
100
100
100
100
100
100
84
100
100
100
100
100
100
100
100
100
100
85+
100
100
100
100
100
100
100
100
100
100
Female, Aggregate
Issue Duration
Age
1
2
3
4
5
6
7
8
9
10
0-15
100
100
100
100
100
100
100
100
100
100
16
100
100
100
100
100
100
100
100
100
100
17
99
100
100
100
100
100
100
100
93
95
18
83
83
84
84
84
84
86
78
78
79
19
65
66
68
68
68
68
63
63
64
66
20
48
50
51
51
51
47
48
48
49
51
21
47
48
50
51
47
47
48
49
51
53
22
44
47
48
45
47
47
48
49
53
54
23
42
45
44
45
47
47
49
51
53
54
24
39
40
42
44
47
47
50
51
54
56
25
34
38
41
44
47
47
50
53
56
57
26
34
38
41
45
49
49
51
56
58
59
27
34
38
41
47
50
51
54
57
59
60
28
34
37
43
47
53
53
56
59
62
63
29
34
38
43
49
54
56
58
60
63
64
30
35
38
43
50
56
56
59
63
66
67
31
35
38
43
51
56
58
60
64
67
65
32
35
39
45
51
56
59
63
66
65
66
33
36
39
44
52
58
62
64
65
66
67
34
36
40
45
52
58
63
63
66
67
68
35
36
40
45
53
59
61
65
67
68
70
36
36
40
45
53
55
62
65
67
68
70
37
36
41
47
52
57
62
65
67
68
69
38
34
41
44
52
57
63
66
68
69
70
39
34
40
45
53
58
63
66
68
69
69
40
32
40
45
53
58
65
65
67
68
69
41
32
40
45
53
57
63
64
67
68
68
42
32
40
45
52
56
61
63
65
66
68
43
31
39
45
51
55
59
61
65
65
66
44
31
39
45
50
54
58
61
63
64
66
45
31
38
44
49
53
56
59
62
63
65
46
29
37
43
48
51
54
59
62
63
65
47
28
35
41
46
49
54
57
61
62
66
48
28
35
41
44
49
52
57
61
63
66
49
26
34
39
43
47
52
55
61
63
67
50
25
32
38
41
46
50
55
61
63
67
51
25
32
38
41
45
50
55
61
63
66
52
23
30
36
41
45
51
56
61
62
65
53
23
30
36
41
47
51
56
61
62
63
54
22
29
35
41
47
53
57
61
61
62
55
22
29
35
41
47
53
57
61
61
61
56
22
29
35
41
45
51
56
59
60
61
57
22
29
35
41
45
50
54
56
58
59
58
22
30
36
41
44
49
53
56
57
57
59
22
30
36
41
44
48
51
53
55
56
60
22
30
36
41
43
47
50
51
53
55
61
22
29
35
39
42
46
49
50
52
80
62
20
28
33
39
41
45
47
49
80
80
63
20
28
33
38
41
44
46
80
80
80
64
19
27
32
36
40
42
80
80
80
80
65
19
25
30
35
39
72
75
75
80
80
66
19
25
30
35
72
72
75
75
80
80
67
19
25
30
72
72
72
75
75
80
80
68
19
25
68
72
72
72
75
75
80
80
69
19
64
68
72
72
72
75
75
80
80
70
60
60
64
68
68
72
75
75
80
80
71
60
60
64
68
68
72
75
75
80
80
72
60
60
64
68
68
72
75
75
80
80
73
60
60
64
68
68
72
75
75
80
80
74
60
60
64
68
68
72
75
75
80
80
75
60
60
64
68
68
72
75
75
80
80
76
60
60
64
68
68
72
75
75
80
100
77
60
60
64
68
68
72
75
75
100
100
78
60
60
64
68
68
72
75
100
100
100
79
60
60
64
68
68
72
100
100
100
100
80
60
60
64
68
68
100
100
100
100
100
81
60
60
64
68
100
100
100
100
100
100
82
60
60
64
100
100
100
100
100
100
100
83
60
60
100
100
100
100
100
100
100
100
84
60
100
100
100
100
100
100
100
100
100
85+
100
100
100
100
100
100
100
100
100
100
Age
11
12
13
14
15
16
17
18
19
20+
0-15
100
100
100
100
100
100
100
100
100
100
16
100
100
100
100
100
100
100
100
100
100
17
96
97
97
100
100
100
100
100
100
100
18
82
84
85
88
88
90
93
95
98
100
19
69
71
72
74
75
80
85
90
95
100
20
56
57
58
61
63
70
78
85
93
100
21
57
60
61
64
64
71
78
86
93
100
22
60
61
63
64
66
73
80
86
93
100
23
61
64
64
67
69
75
81
88
94
100
24
64
64
66
69
70
76
82
88
94
100
25
64
67
69
71
73
78
84
89
95
100
26
66
69
70
73
70
76
82
88
94
100
27
69
70
73
70
71
77
83
88
94
100
28
70
73
70
72
74
79
84
90
95
100
29
73
70
72
74
75
80
85
90
95
100
30
70
71
74
75
76
81
86
90
95
100
31
71
72
74
75
76
81
86
90
95
100
32
72
72
75
76
76
81
86
90
95
100
33
72
74
75
76
76
81
86
90
95
100
34
74
74
76
76
76
81
86
90
95
100
35
75
74
75
76
75
80
85
90
95
100
36
74
74
74
75
75
80
85
90
95
100
37
72
72
73
75
74
79
84
90
95
100
38
72
71
72
74
75
80
85
90
95
100
39
70
70
70
73
74
79
84
90
95
100
40
70
69
70
73
73
78
84
89
95
100
41
69
69
69
73
74
79
84
90
95
100
42
69
68
70
74
75
80
85
90
95
100
43
68
69
69
74
77
82
86
91
95
100
44
67
68
71
75
78
82
87
91
96
100
45
67
68
71
77
79
83
87
92
96
100
46
67
69
71
77
78
82
87
91
96
100
47
68
69
71
77
77
82
86
91
95
100
48
68
71
72
75
77
82
86
91
95
100
49
69
71
72
75
75
80
85
90
95
100
50
69
72
72
75
74
79
84
90
95
100
51
68
69
71
74
74
79
84
90
95
100
52
66
68
68
73
73
78
84
89
100
100
53
65
66
68
72
72
78
83
100
100
100
54
62
66
66
69
70
76
100
100
100
100
55
62
63
64
68
69
100
100
100
100
100
56
62
63
64
67
100
100
100
100
100
100
57
61
62
63
100
100
100
100
100
100
100
58
61
62
100
100
100
100
100
100
100
100
59
59
100
100
100
100
100
100
100
100
100
60
100
100
100
100
100
100
100
100
100
100
61
100
100
100
100
100
100
100
100
100
100
62
100
100
100
100
100
100
100
100
100
100
63
100
100
100
100
100
100
100
100
100
100
64
100
100
100
100
100
100
100
100
100
100
65
100
100
100
100
100
100
100
100
100
100
66
100
100
100
100
100
100
100
100
100
100
67
100
100
100
100
100
100
100
100
100
100
68
100
100
100
100
100
100
100
100
100
100
69
100
100
100
100
100
100
100
100
100
100
70
100
100
100
100
100
100
100
100
100
100
71
100
100
100
100
100
100
100
100
100
100
72
100
100
100
100
100
100
100
100
100
100
73
100
100
100
100
100
100
100
100
100
100
74
100
100
100
100
100
100
100
100
100
100
75
100
100
100
100
100
100
100
100
100
100
76
100
100
100
100
100
100
100
100
100
100
77
100
100
100
100
100
100
100
100
100
100
78
100
100
100
100
100
100
100
100
100
100
79
100
100
100
100
100
100
100
100
100
100
80
100
100
100
100
100
100
100
100
100
100
81
100
100
100
100
100
100
100
100
100
100
82
100
100
100
100
100
100
100
100
100
100
83
100
100
100
100
100
100
100
100
100
100
84
100
100
100
100
100
100
100
100
100
100
85+
100
100
100
100
100
100
100
100
100
100
Female, Non-Smoker
Issue Duration
Age
1
2
3
4
5
6
7
8
9
10
0-15
100
100
100
100
100
100
100
100
100
100
16
100
100
100
100
100
100
100
100
100
100
17
96
98
98
98
98
99
99
99
92
92
18
78
80
80
80
80
81
81
74
75
75
19
60
62
63
63
63
65
59
59
60
60
20
42
44
45
45
45
42
42
42
45
45
21
41
42
44
45
41
42
42
44
47
47
22
39
41
44
41
41
42
44
45
49
49
23
38
41
38
40
41
42
44
46
49
50
24
36
36
38
40
41
42
46
47
50
51
25
32
34
37
40
41
43
46
49
51
53
26
32
34
37
41
43
45
47
50
53
53
27
32
34
38
43
46
47
49
51
53
55
28
30
34
39
43
47
49
51
53
56
58
29
30
35
40
45
50
51
52
55
58
59
30
31
35
40
46
51
52
53
56
59
60
31
31
35
40
46
51
53
55
58
60
58
32
32
35
40
45
51
53
56
59
57
58
33
32
36
41
47
52
55
58
55
58
59
34
33
36
41
47
52
55
55
57
58
59
35
33
36
41
47
52
53
57
58
59
61
36
33
36
41
47
49
53
57
58
59
61
37
32
36
41
44
49
53
57
58
59
60
38
32
37
39
45
50
54
57
58
60
60
39
30
35
39
45
50
54
57
58
60
59
40
28
35
39
45
50
54
56
57
59
59
41
28
35
39
45
49
52
55
55
58
57
42
27
35
39
44
49
52
54
55
56
57
43
27
34
39
44
47
50
53
53
55
55
44
26
34
38
42
47
50
52
53
54
55
45
26
33
38
42
45
48
51
51
52
53
46
24
32
37
40
43
47
49
51
52
53
47
24
30
35
39
42
45
47
49
51
53
48
23
30
35
37
40
44
47
49
50
53
49
23
29
33
35
39
42
45
48
50
53
50
21
27
32
34
37
41
44
48
50
53
51
21
26
30
34
37
41
44
48
49
51
52
20
25
30
33
37
41
44
47
48
50
53
19
24
29
32
37
41
43
47
48
48
54
18
24
29
32
37
41
43
45
47
47
55
18
23
28
32
37
41
43
45
45
45
56
18
23
28
32
36
39
42
44
44
45
57
18
23
28
31
35
38
41
42
44
44
58
17
23
26
31
35
36
38
41
41
42
59
17
23
26
30
33
35
38
39
40
41
60
17
23
26
30
32
34
36
38
39
40
61
17
22
25
29
32
33
35
36
38
80
62
16
22
25
28
30
32
34
35
80
80
63
16
20
24
28
30
32
34
80
80
80
64
14
21
24
27
29
30
80
80
80
80
65
15
19
23
25
28
72
75
75
80
80
66
15
19
23
25
72
72
75
75
80
80
67
15
19
22
72
72
72
75
75
80
80
68
13
18
68
72
72
72
75
75
80
80
69
13
64
68
72
72
72
75
75
80
80
70
60
60
64
68
68
72
75
75
80
80
71
60
60
64
68
68
72
75
75
80
80
72
60
60
64
68
68
72
75
75
80
80
73
60
60
64
68
68
72
75
75
80
80
74
60
60
64
68
68
72
75
75
80
80
75
60
60
64
68
68
72
75
75
80
80
76
60
60
64
68
68
72
75
75
80
100
77
60
60
64
68
68
72
75
75
100
100
78
60
60
64
68
68
72
75
100
100
100
79
60
60
64
68
68
72
100
100
100
100
80
60
60
64
68
68
100
100
100
100
100
81
60
60
64
68
100
100
100
100
100
100
82
60
60
64
100
100
100
100
100
100
100
83
60
60
100
100
100
100
100
100
100
100
84
60
100
100
100
100
100
100
100
100
100
85+
100
100
100
100
100
100
100
100
100
100
Age
11
12
13
14
15
16
17
18
19
20+
0-15
100
100
100
100
100
100
100
100
100
100
16
100
100
100
100
100
100
100
100
100
100
17
93
95
95
97
99
99
99
100
100
100
18
78
79
82
83
85
88
91
94
97
100
19
64
67
67
70
72
78
83
89
94
100
20
50
51
53
56
58
66
75
83
92
100
21
51
53
54
57
59
67
75
84
92
100
22
54
56
57
58
60
68
76
84
92
100
23
56
57
58
60
62
70
77
85
92
100
24
58
59
60
62
63
70
78
85
93
100
25
59
60
62
63
64
71
78
86
93
100
26
60
62
63
64
62
70
77
85
92
100
27
62
63
64
62
62
70
77
85
92
100
28
63
63
61
62
63
70
78
85
93
100
29
64
61
62
63
63
70
78
85
93
100
30
62
62
63
65
65
72
79
86
93
100
31
62
62
63
65
65
72
79
86
93
100
32
62
63
63
65
64
71
78
86
93
100
33
63
63
65
65
65
72
79
86
93
100
34
63
65
64
65
64
71
78
86
93
100
35
63
64
64
64
64
71
78
86
93
100
36
63
64
63
64
63
70
78
85
93
100
37
62
62
61
62
63
70
78
85
93
100
38
61
61
61
62
61
69
77
84
92
100
39
60
60
59
60
61
69
77
84
92
100
40
60
59
59
59
60
68
76
84
92
100
41
58
59
58
59
60
68
76
84
92
100
42
57
57
58
60
61
69
77
84
92
100
43
56
57
56
60
61
69
77
84
92
100
44
55
55
56
61
62
70
77
85
92
100
45
54
55
56
61
62
70
77
85
92
100
46
54
55
56
60
61
69
77
84
92
100
47
54
55
56
59
60
68
76
84
92
100
48
54
55
55
59
57
66
74
83
91
100
49
54
55
55
57
56
65
74
82
91
100
50
54
55
55
56
55
64
73
82
91
100
51
53
53
54
55
55
64
73
82
91
100
52
50
51
51
55
53
62
72
81
100
100
53
49
49
51
52
52
62
71
100
100
100
54
47
49
49
51
51
61
100
100
100
100
55
46
46
47
50
50
100
100
100
100
100
56
46
46
46
49
100
100
100
100
100
100
57
45
45
46
100
100
100
100
100
100
100
58
45
45
100
100
100
100
100
100
100
100
59
44
100
100
100
100
100
100
100
100
100
60
100
100
100
100
100
100
100
100
100
100
61
100
100
100
100
100
100
100
100
100
100
62
100
100
100
100
100
100
100
100
100
100
63
100
100
100
100
100
100
100
100
100
100
64
100
100
100
100
100
100
100
100
100
100
65
100
100
100
100
100
100
100
100
100
100
66
100
100
100
100
100
100
100
100
100
100
67
100
100
100
100
100
100
100
100
100
100
68
100
100
100
100
100
100
100
100
100
100
69
100
100
100
100
100
100
100
100
100
100
70
100
100
100
100
100
100
100
100
100
100
71
100
100
100
100
100
100
100
100
100
100
72
100
100
100
100
100
100
100
100
100
100
73
100
100
100
100
100
100
100
100
100
100
74
100
100
100
100
100
100
100
100
100
100
75
100
100
100
100
100
100
100
100
100
100
76
100
100
100
100
100
100
100
100
100
100
77
100
100
100
100
100
100
100
100
100
100
78
100
100
100
100
100
100
100
100
100
100
79
100
100
100
100
100
100
100
100
100
100
80
100
100
100
100
100
100
100
100
100
100
81
100
100
100
100
100
100
100
100
100
100
82
100
100
100
100
100
100
100
100
100
100
83
100
100
100
100
100
100
100
100
100
100
84
100
100
100
100
100
100
100
100
100
100
85+
100
100
100
100
100
100
100
100
100
100
Female, Smoker
Issue Duration
Age
1
2
3
4
5
6
7
8
9
10
0-15
100
100
100
100
100
100
100
100
100
100
16
100
100
100
100
100
100
100
100
100
100
17
100
100
100
100
100
100
100
100
100
100
18
99
100
100
100
100
100
100
95
96
97
19
87
89
92
92
92
92
84
84
86
86
20
74
77
80
80
80
73
73
73
75
77
21
71
74
78
78
71
71
73
74
77
79
22
68
71
75
70
71
71
73
74
78
79
23
65
69
67
70
70
70
73
77
79
81
24
62
60
64
69
70
70
74
77
79
81
25
53
58
63
67
69
70
74
78
81
82
26
53
58
63
69
71
72
75
79
82
82
27
52
56
63
70
74
74
78
81
82
84
28
52
56
64
71
75
77
79
82
85
86
29
51
56
64
71
78
78
81
84
86
88
30
51
56
64
72
79
79
82
85
88
89
31
51
56
64
72
78
81
84
84
88
84
32
51
56
64
71
78
81
85
86
84
85
33
51
57
62
71
78
82
85
83
84
85
34
51
56
62
71
78
82
81
83
85
86
35
51
56
62
71
78
79
83
84
85
86
36
49
56
62
71
74
79
83
84
85
86
37
48
55
62
67
74
79
83
84
85
86
38
47
55
57
66
72
77
81
84
86
86
39
45
50
57
66
72
77
81
83
85
86
40
41
50
57
66
72
77
81
83
84
85
41
40
50
57
65
71
76
79
81
83
84
42
40
49
57
65
69
74
77
80
82
83
43
39
49
55
63
69
73
76
78
80
82
44
39
48
55
62
67
71
75
78
80
80
45
37
47
55
61
65
70
73
76
78
80
46
36
46
53
59
63
68
71
75
77
79
47
34
44
51
57
62
66
70
75
77
80
48
34
44
50
54
60
64
69
74
77
80
49
33
42
48
53
58
63
68
74
77
81
50
31
41
46
51
57
61
67
74
77
81
51
30
39
45
51
56
61
67
74
75
80
52
29
38
45
50
56
62
68
74
75
79
53
28
37
43
49
57
62
68
73
74
77
54
28
36
43
49
57
63
69
73
74
75
55
26
35
42
49
57
63
69
73
73
74
56
26
35
42
49
56
62
67
71
72
74
57
26
35
42
49
55
61
66
69
72
73
58
28
36
43
49
55
59
63
68
69
72
59
28
36
43
49
54
57
63
67
68
70
60
28
36
43
49
53
57
61
64
67
69
61
26
35
42
48
52
56
59
63
66
80
62
26
33
41
47
51
55
58
62
80
80
63
25
33
41
46
51
55
57
80
80
80
64
25
33
40
45
50
53
80
80
80
80
65
24
32
39
44
49
72
75
75
80
80
66
24
32
39
44
72
72
75
75
80
80
67
24
32
39
72
72
72
75
75
80
80
68
24
32
68
72
72
72
75
75
80
80
69
24
64
68
72
72
72
75
75
80
80
70
60
60
64
68
68
72
75
75
80
80
71
60
60
64
68
68
72
75
75
80
80
72
60
60
64
68
68
72
75
75
80
80
73
60
60
64
68
68
72
75
75
80
80
74
60
60
64
68
68
72
75
75
80
80
75
60
60
64
68
68
72
75
75
80
80
76
60
60
64
68
68
72
75
75
80
100
77
60
60
64
68
68
72
75
75
100
100
78
60
60
64
68
68
72
75
100
100
100
79
60
60
64
68
68
72
100
100
100
100
80
60
60
64
68
68
100
100
100
100
100
81
60
60
64
68
100
100
100
100
100
100
82
60
60
64
100
100
100
100
100
100
100
83
60
60
100
100
100
100
100
100
100
100
84
60
100
100
100
100
100
100
100
100
100
85+
100
100
100
100
100
100
100
100
100
100
Age
11
12
13
14
15
16
17
18
19
20+
0-15
100
100
100
100
100
100
100
100
100
100
16
100
100
100
100
100
100
100
100
100
100
17
100
100
100
100
100
100
100
100
100
100
18
100
100
100
100
100
100
100
100
100
100
19
92
93
95
96
99
99
99
100
100
100
20
83
83
86
88
90
92
94
96
98
100
21
85
86
88
89
90
92
94
96
98
100
22
88
90
89
89
92
94
95
97
98
100
23
89
90
90
92
92
94
95
97
98
100
24
92
90
92
93
93
94
96
97
99
100
25
92
93
93
95
95
96
97
98
99
100
26
93
93
95
96
90
92
94
96
98
100
27
93
95
95
90
90
92
94
96
98
100
28
95
95
90
92
92
94
95
97
98
100
29
95
90
90
92
92
94
95
97
98
100
30
90
90
92
93
93
94
96
97
99
100
31
90
90
92
93
93
94
96
97
99
100
32
90
90
92
94
93
94
96
97
99
100
33
90
92
93
93
93
94
96
97
99
100
34
90
92
92
94
93
94
96
97
99
100
35
90
91
91
93
93
94
96
97
99
100
36
90
90
91
93
92
94
95
97
98
100
37
89
90
89
92
91
93
95
96
98
100
38
87
88
88
90
91
93
95
96
98
100
39
86
87
86
89
90
92
94
96
98
100
40
86
86
86
89
89
91
93
96
98
100
41
85
86
85
89
90
92
94
96
98
100
42
84
85
86
90
92
94
95
97
98
100
43
83
84
85
92
93
94
96
97
99
100
44
82
84
86
93
96
97
98
98
99
100
45
81
84
86
94
97
98
98
99
99
100
46
83
85
86
93
96
97
98
98
99
100
47
83
85
86
93
94
95
96
98
99
100
48
84
86
87
92
92
94
95
97
98
100
49
84
86
87
92
91
93
95
96
98
100
50
85
87
87
91
90
92
94
96
98
100
51
83
85
85
90
90
92
94
96
98
100
52
81
83
84
90
90
92
94
96
100
100
53
79
81
83
89
89
91
93
100
100
100
54
78
80
81
87
89
91
100
100
100
100
55
76
78
79
86
87
100
100
100
100
100
56
76
78
79
85
100
100
100
100
100
100
57
76
78
79
100
100
100
100
100
100
100
58
76
78
100
100
100
100
100
100
100
100
59
76
100
100
100
100
100
100
100
100
100
60
100
100
100
100
100
100
100
100
100
100
61
100
100
100
100
100
100
100
100
100
100
62
100
100
100
100
100
100
100
100
100
100
63
100
100
100
100
100
100
100
100
100
100
64
100
100
100
100
100
100
100
100
100
100
65
100
100
100
100
100
100
100
100
100
100
66
100
100
100
100
100
100
100
100
100
100
67
100
100
100
100
100
100
100
100
100
100
68
100
100
100
100
100
100
100
100
100
100
69
100
100
100
100
100
100
100
100
100
100
70
100
100
100
100
100
100
100
100
100
100
71
100
100
100
100
100
100
100
100
100
100
72
100
100
100
100
100
100
100
100
100
100
73
100
100
100
100
100
100
100
100
100
100
74
100
100
100
100
100
100
100
100
100
100
75
100
100
100
100
100
100
100
100
100
100
76
100
100
100
100
100
100
100
100
100
100
77
100
100
100
100
100
100
100
100
100
100
78
100
100
100
100
100
100
100
100
100
100
79
100
100
100
100
100
100
100
100
100
100
80
100
100
100
100
100
100
100
100
100
100
81
100
100
100
100
100
100
100
100
100
100
82
100
100
100
100
100
100
100
100
100
100
83
100
100
100
100
100
100
100
100
100
100
84
100
100
100
100
100
100
100
100
100
100
85+
100
100
100
100
100
100
100
100
100
100