// ******************** GLOBAL VARIABLES AND FUNCTIONS ********************

var RW_ROW = 17;
var RW_COL = 5;
var RP_ROW = 10;
var RP_COL = 5;
var ICE_ROW = 17;
var ICE_COL = 5;
var ICP_ROW = 17;
var ICP_COL = 5;
var GM_ROW = 12;
var GM_COL = 6;
var GB_ROW = 12;
var GB_COL = 6;
var LI_ROW = 10;
var LI_COL = 2;


var rates_rw_male;
var rates_rw_female;
var rates_rp_male;
var rates_rp_female;
var rates_ice_male;
var rates_ice_female;
var rates_icp_male;
var rates_icp_female;
var rates_gm_male;
var rates_gm_female;
var rates_gb_male;
var rates_gb_female;
var rates_li_toUS_mon;


var ded, cov_length, your_gender, spouse_gender, male_age, female_age, children, col;
var premium_rw, factor_rw, row_rw_male, row_rw_female;
var premium_rp, factor_rp, row_rp_male, row_rp_female;
var premium_ice, factor_ice, row_ice_male, row_ice_female;
var premium_icp, factor_icp, row_icp_male, row_icp_female;
var premium_gm, factor_gm, row_gm_male, row_gm_female;
var premium_gb, factor_gb, row_gb_male, row_gb_female;
var premium_li, row_li, spouse_row_li, col_li, coverage_li, deductible_li;



function MakeArray(n) {
   var arr;
   if(n <= 0) {
      arr = new Array(0);
   }
     
   arr = new Array(n);
   return arr;
}

function Init_Table(t_name, row, col) {
   //document.write("Start Init Table: " + t_name);
   var table = new MakeArray(row);
   for (var i=0; i<row; i++) {
      table[i] = new MakeArray(col);
   }
   for (var i=0; i<row; i++) {
      for (var j=0; j<col; j++) {
         table[i][j] = 0.00;
      }
   }

   //document.write("Done Init Table: " + t_name + "<br>");
   return table;
}

function Format_premium(prem) {
   var ind = prem.indexOf(".");
   var new_prem = "0.00";

   if(ind == -1) {
      new_prem = prem + ".00";
   }
   else if(ind == (prem.length-2)) {
      new_prem = prem + "0";
   }
   else if(ind < (prem.length-2)) {
      var n = parseFloat(prem);
      n = Math.round(n*100);
      n = n/100.00;
   
      new_prem = "" + n;

      ind = new_prem.indexOf(".");
      if(ind == -1) {
         new_prem = new_prem + ".00";
      }
      else if(ind == (new_prem.length-2)) {
         new_prem = new_prem + "0";
      }
   }

   return new_prem;
}

// ******************** LOCAL ********************************************

// Initiates all Tables
function Init_Tables() {
   rates_rw_male = Init_Table("rates_rw_male", RW_ROW, RW_COL);
   rates_rw_female = Init_Table("rates_rw_female", RW_ROW, RW_COL);
   rates_rp_male = Init_Table("rates_rp_male", RP_ROW, RP_COL);
   rates_rp_female = Init_Table("rates_rp_female", RP_ROW, RP_COL);
   rates_ice_male = Init_Table("rates_ice_male", ICE_ROW, ICE_COL);
   rates_ice_female = Init_Table("rates_ice_female", ICE_ROW, ICE_COL);
   rates_icp_male = Init_Table("rates_icp_male", ICP_ROW, ICP_COL);
   rates_icp_female = Init_Table("rates_icp_female", ICP_ROW, ICP_COL);
   rates_gm_male = Init_Table("rates_gm_male", GM_ROW, GM_COL);
   rates_gm_female = Init_Table("rates_gm_female", GM_ROW, GM_COL);
   rates_gb_male = Init_Table("rates_gp_male", GM_ROW, GM_COL);
   rates_gb_female = Init_Table("rates_gb_female", GB_ROW, GB_COL);
   rates_li_toUS_mon = Init_Table("rates_li_toUS_mon", LI_ROW, LI_COL);

}

// Populates all tables
function Populate_Tables() {
   
   //document.write("Start Populate_Tables<br>");

   //  Populate Reside Worldwide longterm male table, annually
   // Annual: 1.00x
   // 6 months: 0.55x
   // 3 months: 0.28x
   // 1 month: 0.10x
   //document.write("Populating rates_rw_male Table");
   rates_rw_male[0][0]=288.00; rates_rw_male[0][1]=250.00;
   rates_rw_male[0][2]=195.00; rates_rw_male[0][3]=171.00; rates_rw_male[0][4]=157.00;
   rates_rw_male[1][0]=312.00; rates_rw_male[1][1]=277.00;
   rates_rw_male[1][2]=229.00; rates_rw_male[1][3]=213.00; rates_rw_male[1][4]=200.00;
   rates_rw_male[2][0]=667.00; rates_rw_male[2][1]=577.00;
   rates_rw_male[2][2]=499.00; rates_rw_male[2][3]=392.00; rates_rw_male[2][4]=307.00;
   rates_rw_male[3][0]=743.00; rates_rw_male[3][1]=649.00;
   rates_rw_male[3][2]=504.00; rates_rw_male[3][3]=440.00; rates_rw_male[3][4]=345.00;
   rates_rw_male[4][0]=788.00; rates_rw_male[4][1]=678.00;
   rates_rw_male[4][2]=525.00; rates_rw_male[4][3]=460.00; rates_rw_male[4][4]=360.00;
   rates_rw_male[5][0]=932.00; rates_rw_male[5][1]=754.00;
   rates_rw_male[5][2]=584.00; rates_rw_male[5][3]=511.00; rates_rw_male[5][4]=400.00;
   rates_rw_male[6][0]=1022.00; rates_rw_male[6][1]=829.00;
   rates_rw_male[6][2]=642.00; rates_rw_male[6][3]=561.00; rates_rw_male[6][4]=460.00;
   rates_rw_male[7][0]=1138.00; rates_rw_male[7][1]=933.00;
   rates_rw_male[7][2]=722.00; rates_rw_male[7][3]=630.00; rates_rw_male[7][4]=514.00;
   rates_rw_male[8][0]=1390.00; rates_rw_male[8][1]=1178.00;
   rates_rw_male[8][2]=911.00; rates_rw_male[8][3]=795.00; rates_rw_male[8][4]=674.00;
   rates_rw_male[9][0]=1679.00; rates_rw_male[9][1]=1460.00;
   rates_rw_male[9][2]=1130.00; rates_rw_male[9][3]=985.00; rates_rw_male[9][4]=829.00;
   rates_rw_male[10][0]=2472.00; rates_rw_male[10][1]=2253.00;
   rates_rw_male[10][2]=1899.00; rates_rw_male[10][3]=1720.00; rates_rw_male[10][4]=1437.00;
   rates_rw_male[11][0]=5162.00; rates_rw_male[11][1]=4941.00;
   rates_rw_male[11][2]=4623.00; rates_rw_male[11][3]=3553.00; rates_rw_male[11][4]=3106.00;
   rates_rw_male[12][0]=6388.00; rates_rw_male[12][1]=6167.00;
   rates_rw_male[12][2]=5689.00; rates_rw_male[12][3]=4504.00; rates_rw_male[12][4]=3558.00;
   rates_rw_male[13][0]=6661.00; rates_rw_male[13][1]=6440.00;
   rates_rw_male[13][2]=6008.00; rates_rw_male[13][3]=4746.00; rates_rw_male[13][4]=3796.00;
   rates_rw_male[14][0]=6964.00; rates_rw_male[14][1]=6743.00;
   rates_rw_male[14][2]=6347.00; rates_rw_male[14][3]=5011.00; rates_rw_male[14][4]=4008.00;
   rates_rw_male[15][0]=7310.00; rates_rw_male[15][1]=7089.00;
   rates_rw_male[15][2]=6662.00; rates_rw_male[15][3]=5268.00; rates_rw_male[15][4]=4212.00;
   rates_rw_male[16][0]=7636.00; rates_rw_male[16][1]=7415.00;
   rates_rw_male[16][2]=7013.00; rates_rw_male[16][3]=5548.00; rates_rw_male[16][4]=4443.00;
   //document.write("Done populating rates_rw_male<br>");

   // Populate Reside Worldwide longterm female Table
   //document.write("Populating rates_rw_female Table");
   rates_rw_female[0][0]=288.00; rates_rw_female[0][1]=250.00;
   rates_rw_female[0][2]=195.00; rates_rw_female[0][3]=171.00; rates_rw_female[0][4]=157.00;
   rates_rw_female[1][0]=312.00; rates_rw_female[1][1]=277.00;
   rates_rw_female[1][2]=229.00; rates_rw_female[1][3]=213.00; rates_rw_female[1][4]=200.00;
   rates_rw_female[2][0]=1096.00; rates_rw_female[2][1]=1007.00;
   rates_rw_female[2][2]=779.00; rates_rw_female[2][3]=679.00; rates_rw_female[2][4]=531.00;
   rates_rw_female[3][0]=1225.00; rates_rw_female[3][1]=1131.00;
   rates_rw_female[3][2]=875.00; rates_rw_female[3][3]=764.00; rates_rw_female[3][4]=596.00;
   rates_rw_female[4][0]=1326.00; rates_rw_female[4][1]=1216.00;
   rates_rw_female[4][2]=940.00; rates_rw_female[4][3]=820.00; rates_rw_female[4][4]=640.00;
   rates_rw_female[5][0]=1529.00; rates_rw_female[5][1]=1351.00;
   rates_rw_female[5][2]=1044.00; rates_rw_female[5][3]=911.00; rates_rw_female[5][4]=711.00;
   rates_rw_female[6][0]=1234.00; rates_rw_female[6][1]=1041.00;
   rates_rw_female[6][2]=806.00; rates_rw_female[6][3]=703.00; rates_rw_female[6][4]=585.00;
   rates_rw_female[7][0]=1372.00; rates_rw_female[7][1]=1167.00;
   rates_rw_female[7][2]=902.00; rates_rw_female[7][3]=787.00; rates_rw_female[7][4]=620.00;
   rates_rw_female[8][0]=1527.00; rates_rw_female[8][1]=1316.00;
   rates_rw_female[8][2]=1021.00; rates_rw_female[8][3]=908.00; rates_rw_female[8][4]=753.00;
   rates_rw_female[9][0]=1679.00; rates_rw_female[9][1]=1460.00;
   rates_rw_female[9][2]=1130.00; rates_rw_female[9][3]=985.00; rates_rw_female[9][4]=829.00;
   rates_rw_female[10][0]=2327.00; rates_rw_female[10][1]=2108.00;
   rates_rw_female[10][2]=1676.00; rates_rw_female[10][3]=1544.00; rates_rw_female[10][4]=1277.00;
   rates_rw_female[11][0]=4505.00; rates_rw_female[11][1]=4284.00;
   rates_rw_female[11][2]=3902.00; rates_rw_female[11][3]=2900.00; rates_rw_female[11][4]=2783.00;
   rates_rw_female[12][0]=5494.00; rates_rw_female[12][1]=5273.00;
   rates_rw_female[12][2]=4866.00; rates_rw_female[12][3]=3682.00; rates_rw_female[12][4]=2953.00;
   rates_rw_female[13][0]=5742.00; rates_rw_female[13][1]=5521.00;
   rates_rw_female[13][2]=5115.00; rates_rw_female[13][3]=3847.00; rates_rw_female[13][4]=3077.00;
   rates_rw_female[14][0]=6010.00; rates_rw_female[14][1]=5790.00;
   rates_rw_female[14][2]=5415.00; rates_rw_female[14][3]=4066.00; rates_rw_female[14][4]=3254.00;
   rates_rw_female[15][0]=6289.00; rates_rw_female[15][1]=6068.00;
   rates_rw_female[15][2]=5678.00; rates_rw_female[15][3]=4297.00; rates_rw_female[15][4]=3449.00;
   rates_rw_female[16][0]=6606.00; rates_rw_female[16][1]=6385.00;
   rates_rw_female[16][2]=5973.00; rates_rw_female[16][3]=4522.00; rates_rw_female[16][4]=3615.00;
   //document.write("Done populating rates_rw_female<br>");

   // Populate Reside Prime longterm male table, annually
   // 1 year: 1.00x
   // 6 months: 0.55x
   // 3 months: 0.28x
   // 1 month: 0.10x 
   //document.write("Populating rates_pr_male Table");
   rates_rp_male[0][0]=557.00; rates_rp_male[0][1]=472.00;
   rates_rp_male[0][2]=369.00; rates_rp_male[0][3]=281.00; rates_rp_male[0][4]=258.00;
   rates_rp_male[1][0]=581.00; rates_rp_male[1][1]=510.00;
   rates_rp_male[1][2]=483.00; rates_rp_male[1][3]=391.00; rates_rp_male[1][4]=368.00;
   rates_rp_male[2][0]=1152.00; rates_rp_male[2][1]=1002.00;
   rates_rp_male[2][2]=895.00; rates_rp_male[2][3]=679.00; rates_rp_male[2][4]=533.00;
   rates_rp_male[3][0]=1327.00; rates_rp_male[3][1]=1164.00;
   rates_rp_male[3][2]=1037.00; rates_rp_male[3][3]=789.00; rates_rp_male[3][4]=618.00;
   rates_rp_male[4][0]=1507.00; rates_rp_male[4][1]=1334.00;
   rates_rp_male[4][2]=1188.00; rates_rp_male[4][3]=902.00; rates_rp_male[4][4]=740.00;
   rates_rp_male[5][0]=1646.00; rates_rp_male[5][1]=1470.00;
   rates_rp_male[5][2]=1309.00; rates_rp_male[5][3]=993.00; rates_rp_male[5][4]=810.00;
   rates_rp_male[6][0]=1999.00; rates_rp_male[6][1]=1801.00;
   rates_rp_male[6][2]=1601.00; rates_rp_male[6][3]=1215.00; rates_rp_male[6][4]=1030.00;
   rates_rp_male[7][0]=2409.00; rates_rp_male[7][1]=2210.00;
   rates_rp_male[7][2]=1967.00; rates_rp_male[7][3]=1490.00; rates_rp_male[7][4]=1255.00;
   rates_rp_male[8][0]=3757.00; rates_rp_male[8][1]=3479.00;
   rates_rp_male[8][2]=2933.00; rates_rp_male[8][3]=2657.00; rates_rp_male[8][4]=2220.00;
   rates_rp_male[9][0]=7799.00; rates_rp_male[9][1]=7499.00;
   rates_rp_male[9][2]=7015.00; rates_rp_male[9][3]=5394.00; rates_rp_male[9][4]=4715.00;
   //document.write("Done populating rates_rp_male table<br>");

   // Populate Reside Prime longterm female table, annually
   //document.write("Populating rates_rp_female Table");
   rates_rp_female[0][0]=557.00; rates_rp_female[0][1]=472.00;
   rates_rp_female[0][2]=369.00; rates_rp_female[0][3]=281.00; rates_rp_female[0][4]=258.00;
   rates_rp_female[1][0]=581.00; rates_rp_female[1][1]=510.00;
   rates_rp_female[1][2]=483.00; rates_rp_female[1][3]=391.00; rates_rp_female[1][4]=368.00;
   rates_rp_female[2][0]=1938.00; rates_rp_female[2][1]=1746.00;
   rates_rp_female[2][2]=1554.00; rates_rp_female[2][3]=1179.00; rates_rp_female[2][4]=920.00;   
   rates_rp_female[3][0]=2295.00; rates_rp_female[3][1]=2086.00;
   rates_rp_female[3][2]=1854.00; rates_rp_female[3][3]=1407.00; rates_rp_female[3][4]=1098.00;
   rates_rp_female[4][0]=1876.00; rates_rp_female[4][1]=1675.00;
   rates_rp_female[4][2]=1490.00; rates_rp_female[4][3]=1131.00; rates_rp_female[4][4]=941.00;
   rates_rp_female[5][0]=2040.00; rates_rp_female[5][1]=1838.00;
   rates_rp_female[5][2]=1634.00; rates_rp_female[5][3]=1240.00; rates_rp_female[5][4]=978.00;
   rates_rp_female[6][0]=2212.00; rates_rp_female[6][1]=2011.00;
   rates_rp_female[6][2]=1794.00; rates_rp_female[6][3]=1389.00; rates_rp_female[6][4]=1152.00;
   rates_rp_female[7][0]=2409.00; rates_rp_female[7][1]=2210.00;
   rates_rp_female[7][2]=1964.00; rates_rp_female[7][3]=1490.00; rates_rp_female[7][4]=1267.00;
   rates_rp_female[8][0]=3548.00; rates_rp_female[8][1]=3255.00;
   rates_rp_female[8][2]=2589.00; rates_rp_female[8][3]=2383.00; rates_rp_female[8][4]=1972.00;
   rates_rp_female[9][0]=6761.00; rates_rp_female[9][1]=6501.00;
   rates_rp_female[9][2]=5921.00; rates_rp_female[9][3]=4401.00; rates_rp_female[9][4]=4223.00;
   //document.write("Done populating rates_rp_female table<br>");


   // Populate Int'l Citizen Economy longterm male table, annually
   // 1 year: 1.00x
   // 6 months: 0.55x
   // 3 months: 0.28x
   // 1 month: 0.20x
   //document.write("Populating rates_ice_male Table");
   rates_ice_male[0][0]=308.00; rates_ice_male[0][1]=267.00;
   rates_ice_male[0][2]=209.00; rates_ice_male[0][3]=198.00; rates_ice_male[0][4]=181.00;
   rates_ice_male[1][0]=333.00; rates_ice_male[1][1]=296.00;
   rates_ice_male[1][2]=245.00; rates_ice_male[1][3]=228.00; rates_ice_male[1][4]=214.00;
   rates_ice_male[2][0]=716.00; rates_ice_male[2][1]=620.00;
   rates_ice_male[2][2]=483.00; rates_ice_male[2][3]=421.00; rates_ice_male[2][4]=350.00;
   rates_ice_male[3][0]=798.00; rates_ice_male[3][1]=697.00;
   rates_ice_male[3][2]=541.00; rates_ice_male[3][3]=473.00; rates_ice_male[3][4]=380.00;
   rates_ice_male[4][0]=847.00; rates_ice_male[4][1]=728.00;
   rates_ice_male[4][2]=564.00; rates_ice_male[4][3]=495.00; rates_ice_male[4][4]=407.00;
   rates_ice_male[5][0]=1001.00; rates_ice_male[5][1]=810.00;
   rates_ice_male[5][2]=628.00; rates_ice_male[5][3]=549.00; rates_ice_male[5][4]=445.00;
   rates_ice_male[6][0]=1097.00; rates_ice_male[6][1]=891.00;
   rates_ice_male[6][2]=691.00; rates_ice_male[6][3]=602.00; rates_ice_male[6][4]=495.00;
   rates_ice_male[7][0]=1222.00; rates_ice_male[7][1]=1002.00;
   rates_ice_male[7][2]=776.00; rates_ice_male[7][3]=677.00; rates_ice_male[7][4]=552.00;
   rates_ice_male[8][0]=1493.00; rates_ice_male[8][1]=1266.00;
   rates_ice_male[8][2]=978.00; rates_ice_male[8][3]=854.00; rates_ice_male[8][4]=724.00;
   rates_ice_male[9][0]=1804.00; rates_ice_male[9][1]=1568.00;
   rates_ice_male[9][2]=1214.00; rates_ice_male[9][3]=1058.00; rates_ice_male[9][4]=891.00;
   rates_ice_male[10][0]=2656.00; rates_ice_male[10][1]=2420.00;
   rates_ice_male[10][2]=2040.00; rates_ice_male[10][3]=1848.00; rates_ice_male[10][4]=1543.00;
   rates_ice_male[11][0]=5545.00; rates_ice_male[11][1]=5307.00;
   rates_ice_male[11][2]=4965.00; rates_ice_male[11][3]=3817.00; rates_ice_male[11][4]=3337.00;
   rates_ice_male[12][0]=6654.00; rates_ice_male[12][1]=6369.00;
   rates_ice_male[12][2]=5958.00; rates_ice_male[12][3]=4580.00; rates_ice_male[12][4]=4005.00;
   rates_ice_male[13][0]=6987.00; rates_ice_male[13][1]=6687.00;
   rates_ice_male[13][2]=6256.00; rates_ice_male[13][3]=4809.00; rates_ice_male[13][4]=4205.00;
   rates_ice_male[14][0]=7336.00; rates_ice_male[14][1]=7022.00;
   rates_ice_male[14][2]=6569.00; rates_ice_male[14][3]=5050.00; rates_ice_male[14][4]=4415.00;
   rates_ice_male[15][0]=7703.00; rates_ice_male[15][1]=7373.00;
   rates_ice_male[15][2]=6897.00; rates_ice_male[15][3]=5302.00; rates_ice_male[15][4]=4636.00;
   rates_ice_male[16][0]=8088.00; rates_ice_male[16][1]=7741.00;
   rates_ice_male[16][2]=7242.00; rates_ice_male[16][3]=5567.00; rates_ice_male[16][4]=4868.00;
   //document.write("Done populating rates_ice_male<br>");

   // Populate Int'l Citizen Economy longterm male table, annually
   //document.write("Populating rates_ice_female Table");
   rates_ice_female[0][0]=308.00; rates_ice_female[0][1]=267.00;
   rates_ice_female[0][2]=209.00; rates_ice_female[0][3]=198.00; rates_ice_female[0][4]=181.00;
   rates_ice_female[1][0]=333.00; rates_ice_female[1][1]=296.00;
   rates_ice_female[1][2]=245.00; rates_ice_female[1][3]=228.00; rates_ice_female[1][4]=214.00;
   rates_ice_female[2][0]=1178.00; rates_ice_female[2][1]=1082.00;
   rates_ice_female[2][2]=837.00; rates_ice_female[2][3]=729.00; rates_ice_female[2][4]=570.00;
   rates_ice_female[3][0]=1315.00; rates_ice_female[3][1]=1215.00;
   rates_ice_female[3][2]=939.00; rates_ice_female[3][3]=821.00; rates_ice_female[3][4]=640.00;
   rates_ice_female[4][0]=1425.00; rates_ice_female[4][1]=1306.00;
   rates_ice_female[4][2]=1010.00; rates_ice_female[4][3]=881.00; rates_ice_female[4][4]=688.00;
   rates_ice_female[5][0]=1642.00; rates_ice_female[5][1]=1415.00;
   rates_ice_female[5][2]=1121.00; rates_ice_female[5][3]=978.00; rates_ice_female[5][4]=764.00;
   rates_ice_female[6][0]=1325.00; rates_ice_female[6][1]=1118.00;
   rates_ice_female[6][2]=866.00; rates_ice_female[6][3]=755.00; rates_ice_female[6][4]=629.00;
   rates_ice_female[7][0]=1474.00; rates_ice_female[7][1]=1254.00;
   rates_ice_female[7][2]=969.00; rates_ice_female[7][3]=845.00; rates_ice_female[7][4]=700.00;
   rates_ice_female[8][0]=1640.00; rates_ice_female[8][1]=1413.00;
   rates_ice_female[8][2]=1096.00; rates_ice_female[8][3]=975.00; rates_ice_female[8][4]=809.00;
   rates_ice_female[9][0]=1804.00; rates_ice_female[9][1]=1568.00;
   rates_ice_female[9][2]=1212.00; rates_ice_female[9][3]=1058.00; rates_ice_female[9][4]=898.00;
   rates_ice_female[10][0]=2499.00; rates_ice_female[10][1]=2264.00;
   rates_ice_female[10][2]=1801.00; rates_ice_female[10][3]=1658.00; rates_ice_female[10][4]=1371.00;
   rates_ice_female[11][0]=4839.00; rates_ice_female[11][1]=4602.00;
   rates_ice_female[11][2]=4191.00; rates_ice_female[11][3]=3114.00; rates_ice_female[11][4]=2989.00;
   rates_ice_female[12][0]=5806.00; rates_ice_female[12][1]=5522.00;
   rates_ice_female[12][2]=5029.00; rates_ice_female[12][3]=3737.00; rates_ice_female[12][4]=3587.00;
   rates_ice_female[13][0]=6097.00; rates_ice_female[13][1]=5798.00;
   rates_ice_female[13][2]=5281.00; rates_ice_female[13][3]=3924.00; rates_ice_female[13][4]=3766.00;
   rates_ice_female[14][0]=6402.00; rates_ice_female[14][1]=6088.00;
   rates_ice_female[14][2]=5545.00; rates_ice_female[14][3]=4120.00; rates_ice_female[14][4]=3954.00;
   rates_ice_female[15][0]=6722.00; rates_ice_female[15][1]=6393.00;
   rates_ice_female[15][2]=5822.00; rates_ice_female[15][3]=4326.00; rates_ice_female[15][4]=4152.00;
   rates_ice_female[16][0]=7058.00; rates_ice_female[16][1]=6712.00;
   rates_ice_female[16][2]=6113.00; rates_ice_female[16][3]=4543.00; rates_ice_female[16][4]=4360.00;
   //document.write("Done populating rates_ice_female<br>");


   //  Populate Int'l Citizen Platinum longterm male table, annually
   //  1 year: 1.00x
   //  6 months: 0.55x
   //  3 months: 0.28x
   //  1 month: 0.20x
   //document.write("Populating rates_icp_male Table");
   rates_icp_male[0][0]=475.00; rates_icp_male[0][1]=429.00;
   rates_icp_male[0][2]=326.00; rates_icp_male[0][3]=293.00; rates_icp_male[0][4]=282.00;
   rates_icp_male[1][0]=500.00; rates_icp_male[1][1]=452.00;
   rates_icp_male[1][2]=350.00; rates_icp_male[1][3]=316.00; rates_icp_male[1][4]=304.00;
   rates_icp_male[2][0]=1180.00; rates_icp_male[2][1]=1048.00;
   rates_icp_male[2][2]=814.00; rates_icp_male[2][3]=718.00; rates_icp_male[2][4]=588.00;
   rates_icp_male[3][0]=1300.00; rates_icp_male[3][1]=1162.00;
   rates_icp_male[3][2]=901.00; rates_icp_male[3][3]=793.00; rates_icp_male[3][4]=652.00;
   rates_icp_male[4][0]=1394.00; rates_icp_male[4][1]=1224.00;
   rates_icp_male[4][2]=951.00; rates_icp_male[4][3]=844.00; rates_icp_male[4][4]=691.00;
   rates_icp_male[5][0]=1525.00; rates_icp_male[5][1]=1355.00;
   rates_icp_male[5][2]=1049.00; rates_icp_male[5][3]=929.00; rates_icp_male[5][4]=759.00;
   rates_icp_male[6][0]=1705.00; rates_icp_male[6][1]=1507.00;
   rates_icp_male[6][2]=1166.00; rates_icp_male[6][3]=1036.00; rates_icp_male[6][4]=843.00;
   rates_icp_male[7][0]=1865.00; rates_icp_male[7][1]=1666.00;
   rates_icp_male[7][2]=1292.00; rates_icp_male[7][3]=1145.00; rates_icp_male[7][4]=935.00;
   rates_icp_male[8][0]=2266.00; rates_icp_male[8][1]=2040.00;
   rates_icp_male[8][2]=1586.00; rates_icp_male[8][3]=1445.00; rates_icp_male[8][4]=1184.00;
   rates_icp_male[9][0]=2800.00; rates_icp_male[9][1]=2630.00;
   rates_icp_male[9][2]=2000.00; rates_icp_male[9][3]=1863.00; rates_icp_male[9][4]=1524.00;
   rates_icp_male[10][0]=3960.00; rates_icp_male[10][1]=3662.00;
   rates_icp_male[10][2]=3066.00; rates_icp_male[10][3]=2798.00; rates_icp_male[10][4]=2321.00;
   rates_icp_male[11][0]=8180.00; rates_icp_male[11][1]=7882.00;
   rates_icp_male[11][2]=7287.00; rates_icp_male[11][3]=5666.00; rates_icp_male[11][4]=4915.00;
   rates_icp_male[12][0]=9645.00; rates_icp_male[12][1]=9343.00;
   rates_icp_male[12][2]=8739.00; rates_icp_male[12][3]=6891.00; rates_icp_male[12][4]=5977.00;
   rates_icp_male[13][0]=10097.00; rates_icp_male[13][1]=9795.00;
   rates_icp_male[13][2]=9192.00; rates_icp_male[13][3]=7257.00; rates_icp_male[13][4]=6295.00;
   rates_icp_male[14][0]=10484.00; rates_icp_male[14][1]=10185.00;
   rates_icp_male[14][2]=9588.00; rates_icp_male[14][3]=7573.00; rates_icp_male[14][4]=6569.00;
   rates_icp_male[15][0]=10882.00; rates_icp_male[15][1]=10586.00;
   rates_icp_male[15][2]=9994.00; rates_icp_male[15][3]=7900.00; rates_icp_male[15][4]=6853.00;
   rates_icp_male[16][0]=11412.00; rates_icp_male[16][1]=11115.00;
   rates_icp_male[16][2]=10524.00; rates_icp_male[16][3]=8321.00; rates_icp_male[16][4]=7218.00;
   //document.write("Done populating rates_icp_male table<br>");

   // Populate Int'l Citizen Platinum longterm female, annually
   //document.write("Populating rates_icp_female Table");
   rates_icp_female[0][0]=475.00; rates_icp_female[0][1]=429.00;
   rates_icp_female[0][2]=326.00; rates_icp_female[0][3]=293.00; rates_icp_female[0][4]=282.00;
   rates_icp_female[1][0]=500.00; rates_icp_female[1][1]=452.00;
   rates_icp_female[1][2]=350.00; rates_icp_female[1][3]=316.00; rates_icp_female[1][4]=304.00;
   rates_icp_female[2][0]=1905.00; rates_icp_female[2][1]=1796.00;
   rates_icp_female[2][2]=1291.00; rates_icp_female[2][3]=1144.00; rates_icp_female[2][4]=940.00;
   rates_icp_female[3][0]=2110.00; rates_icp_female[3][1]=1983.00;
   rates_icp_female[3][2]=1428.00; rates_icp_female[3][3]=1263.00; rates_icp_female[3][4]=1031.00;
   rates_icp_female[4][0]=2359.00; rates_icp_female[4][1]=2199.00;
   rates_icp_female[4][2]=1638.00; rates_icp_female[4][3]=1451.00; rates_icp_female[4][4]=1190.00;
   rates_icp_female[5][0]=2595.00; rates_icp_female[5][1]=2368.00;
   rates_icp_female[5][2]=1813.00; rates_icp_female[5][3]=1603.00; rates_icp_female[5][4]=1285.00;
   rates_icp_female[6][0]=2125.00; rates_icp_female[6][1]=1898.00;
   rates_icp_female[6][2]=1472.00; rates_icp_female[6][3]=1308.00; rates_icp_female[6][4]=1070.00;
   rates_icp_female[7][0]=2319.00; rates_icp_female[7][1]=2092.00;
   rates_icp_female[7][2]=1626.00; rates_icp_female[7][3]=1439.00; rates_icp_female[7][4]=1111.00;
   rates_icp_female[8][0]=2516.00; rates_icp_female[8][1]=2289.00;
   rates_icp_female[8][2]=1785.00; rates_icp_female[8][3]=1620.00; rates_icp_female[8][4]=1325.00;
   rates_icp_female[9][0]=2800.00; rates_icp_female[9][1]=2630.00;
   rates_icp_female[9][2]=2000.00; rates_icp_female[9][3]=1863.00; rates_icp_female[9][4]=1524.00;
   rates_icp_female[10][0]=3733.00; rates_icp_female[10][1]=3435.00;
   rates_icp_female[10][2]=2839.00; rates_icp_female[10][3]=2588.00; rates_icp_female[10][4]=2053.00;
   rates_icp_female[11][0]=7134.00; rates_icp_female[11][1]=6835.00;
   rates_icp_female[11][2]=6237.00; rates_icp_female[11][3]=4715.00; rates_icp_female[11][4]=4150.00;
   rates_icp_female[12][0]=8339.00; rates_icp_female[12][1]=8046.00;
   rates_icp_female[12][2]=7443.00; rates_icp_female[12][3]=5594.00; rates_icp_female[12][4]=4835.00;
   rates_icp_female[13][0]=8738.00; rates_icp_female[13][1]=8438.00;
   rates_icp_female[13][2]=7834.00; rates_icp_female[13][3]=5898.00; rates_icp_female[13][4]=5098.00;
   rates_icp_female[14][0]=9070.00; rates_icp_female[14][1]=8771.00;
   rates_icp_female[14][2]=8174.00; rates_icp_female[14][3]=6160.00; rates_icp_female[14][4]=5324.00;
   rates_icp_female[15][0]=9404.00; rates_icp_female[15][1]=9108.00;
   rates_icp_female[15][2]=8514.00; rates_icp_female[15][3]=6421.00; rates_icp_female[15][4]=5550.00;
   rates_icp_female[16][0]=9854.00; rates_icp_female[16][1]=9558.00;
   rates_icp_female[16][2]=8966.00; rates_icp_female[16][3]=6762.00; rates_icp_female[16][4]=5845.00;
   //document.write("Done populating rates_icp_female table<br>");


   // Populate Global Medical longterm male table, annually
   // 1 year: 1.00x
   // 6 months: 0.55x
   // 3 months: 0.28x
   //document.write("Populating rates_gm_male Table");
   rates_gm_male[0][0]=477.00; rates_gm_male[0][1]=403.00; rates_gm_male[0][2]=307.00;
   rates_gm_male[0][3]=276.00; rates_gm_male[0][4]=265.00; rates_gm_male[0][5]=233.00;
   rates_gm_male[1][0]=519.00; rates_gm_male[1][1]=424.00; rates_gm_male[1][2]=329.00;
   rates_gm_male[1][3]=297.00; rates_gm_male[1][4]=286.00; rates_gm_male[1][5]=254.00;
   rates_gm_male[2][0]=1174.00; rates_gm_male[2][1]=1010.00; rates_gm_male[2][2]=786.00;
   rates_gm_male[2][3]=693.00; rates_gm_male[2][4]=568.00; rates_gm_male[2][5]=448.00;
   rates_gm_male[3][0]=1283.00; rates_gm_male[3][1]=1120.00; rates_gm_male[3][2]=868.00;
   rates_gm_male[3][3]=764.00; rates_gm_male[3][4]=628.00; rates_gm_male[3][5]=491.00;
   rates_gm_male[4][0]=1343.00; rates_gm_male[4][1]=1179.00; rates_gm_male[4][2]=917.00;
   rates_gm_male[4][3]=813.00; rates_gm_male[4][4]=666.00; rates_gm_male[4][5]=524.00;
   rates_gm_male[5][0]=1469.00; rates_gm_male[5][1]=1305.00; rates_gm_male[5][2]=1010.00;
   rates_gm_male[5][3]=895.00; rates_gm_male[5][4]=731.00; rates_gm_male[5][5]=574.00;
   rates_gm_male[6][0]=1643.00; rates_gm_male[6][1]=1452.00; rates_gm_male[6][2]=1125.00;
   rates_gm_male[6][3]=999.00; rates_gm_male[6][4]=814.00; rates_gm_male[6][5]=644.00;
   rates_gm_male[7][0]=1849.00; rates_gm_male[7][1]=1651.00; rates_gm_male[7][2]=1280.00;
   rates_gm_male[7][3]=1135.00; rates_gm_male[7][4]=927.00; rates_gm_male[7][5]=730.00;
   rates_gm_male[8][0]=2247.00; rates_gm_male[8][1]=2022.00; rates_gm_male[8][2]=1573.00;
   rates_gm_male[8][3]=1433.00; rates_gm_male[8][4]=1174.00; rates_gm_male[8][5]=921.00;
   rates_gm_male[9][0]=2845.00; rates_gm_male[9][1]=2608.00; rates_gm_male[9][2]=2036.00;
   rates_gm_male[9][3]=1795.00; rates_gm_male[9][4]=1512.00; rates_gm_male[9][5]=1180.00;
   rates_gm_male[10][0]=3999.00; rates_gm_male[10][1]=3698.00; rates_gm_male[10][2]=3096.00;
   rates_gm_male[10][3]=2826.00; rates_gm_male[10][4]=2345.00; rates_gm_male[10][5]=1925.00;
   rates_gm_male[11][0]=8258.00; rates_gm_male[11][1]=7956.00; rates_gm_male[11][2]=7356.00;
   rates_gm_male[11][3]=5720.00; rates_gm_male[11][4]=4962.00; rates_gm_male[11][5]=4089.00;
   //document.write("Done populating rates_gm_male table<br>");


   // Populate Global Medical longterm female, annually
   //document.write("Populating rates_gm_female Table");
   rates_gm_female[0][0]=477.00; rates_gm_female[0][1]=403.00; rates_gm_female[0][2]=307.00;
   rates_gm_female[0][3]=276.00; rates_gm_female[0][4]=265.00; rates_gm_female[0][5]=233.00;
   rates_gm_female[1][0]=519.00; rates_gm_female[1][1]=424.00; rates_gm_female[1][2]=329.00;
   rates_gm_female[1][3]=297.00; rates_gm_female[1][4]=286.00; rates_gm_female[1][5]=254.00;
   rates_gm_female[2][0]=2043.00; rates_gm_female[2][1]=1814.00; rates_gm_female[2][2]=1305.00;
   rates_gm_female[2][3]=1157.00; rates_gm_female[2][4]=950.00; rates_gm_female[2][5]=744.00;
   rates_gm_female[3][0]=2232.00; rates_gm_female[3][1]=2003.00; rates_gm_female[3][2]=1443.00;
   rates_gm_female[3][3]=1277.00; rates_gm_female[3][4]=1042.00; rates_gm_female[3][5]=813.00;
   rates_gm_female[4][0]=2449.00; rates_gm_female[4][1]=2220.00; rates_gm_female[4][2]=1655.00;
   rates_gm_female[4][3]=1466.00; rates_gm_female[4][4]=1202.00; rates_gm_female[4][5]=939.00;
   rates_gm_female[5][0]=2643.00; rates_gm_female[5][1]=2392.00; rates_gm_female[5][2]=1832.00;
   rates_gm_female[5][3]=1620.00; rates_gm_female[5][4]=1299.00; rates_gm_female[5][5]=1018.00;
   rates_gm_female[6][0]=2147.00; rates_gm_female[6][1]=1918.00; rates_gm_female[6][2]=1488.00;
   rates_gm_female[6][3]=1322.00; rates_gm_female[6][4]=1050.00; rates_gm_female[6][5]=825.00;
   rates_gm_female[7][0]=2233.00; rates_gm_female[7][1]=2015.00; rates_gm_female[7][2]=1657.00;
   rates_gm_female[7][3]=1386.00; rates_gm_female[7][4]=1070.00; rates_gm_female[7][5]=840.00;
   rates_gm_female[8][0]=2424.00; rates_gm_female[8][1]=2205.00; rates_gm_female[8][2]=1720.00;
   rates_gm_female[8][3]=1561.00; rates_gm_female[8][4]=1277.00; rates_gm_female[8][5]=1004.00;
   rates_gm_female[9][0]=2765.00; rates_gm_female[9][1]=2534.00; rates_gm_female[9][2]=1979.00;
   rates_gm_female[9][3]=1795.00; rates_gm_female[9][4]=1469.00; rates_gm_female[9][5]=1146.00;
   rates_gm_female[10][0]=3770.00; rates_gm_female[10][1]=3469.00; rates_gm_female[10][2]=2867.00;
   rates_gm_female[10][3]=2615.00; rates_gm_female[10][4]=2075.00; rates_gm_female[10][5]=1714.00;
   rates_gm_female[11][0]=7201.00; rates_gm_female[11][1]=6900.00; rates_gm_female[11][2]=6296.00;
   rates_gm_female[11][3]=5168.00; rates_gm_female[11][4]=4467.00; rates_gm_female[11][5]=3683.00;
   //document.write("Done populating rates_gm_female<br>");

   // Populate Global Basic longterm male table, annually
   // 1 year: 1.00x
   // 6 months: 0.55x
   // 3 months: 0.28x
   //document.write("Populating rates_gb_male Table");
   rates_gb_male[0][0]=311.00; rates_gb_male[0][1]=270.00; rates_gb_male[0][2]=211.00;
   rates_gb_male[0][3]=184.00; rates_gb_male[0][4]=169.00; rates_gb_male[0][5]=150.00;
   rates_gb_male[1][0]=336.00; rates_gb_male[1][1]=299.00; rates_gb_male[1][2]=247.00;
   rates_gb_male[1][3]=230.00; rates_gb_male[1][4]=216.00; rates_gb_male[1][5]=190.00;
   rates_gb_male[2][0]=720.00; rates_gb_male[2][1]=623.00; rates_gb_male[2][2]=485.00;
   rates_gb_male[2][3]=423.00; rates_gb_male[2][4]=332.00; rates_gb_male[2][5]=295.00;
   rates_gb_male[3][0]=802.00; rates_gb_male[3][1]=700.00; rates_gb_male[3][2]=544.00;
   rates_gb_male[3][3]=475.00; rates_gb_male[3][4]=372.00; rates_gb_male[3][5]=331.00;
   rates_gb_male[4][0]=851.00; rates_gb_male[4][1]=732.00; rates_gb_male[4][2]=567.00;
   rates_gb_male[4][3]=497.00; rates_gb_male[4][4]=389.00; rates_gb_male[4][5]=346.00;
   rates_gb_male[5][0]=1006.00; rates_gb_male[5][1]=814.00; rates_gb_male[5][2]=631.00;
   rates_gb_male[5][3]=552.00; rates_gb_male[5][4]=432.00; rates_gb_male[5][5]=385.00;
   rates_gb_male[6][0]=1103.00; rates_gb_male[6][1]=895.00; rates_gb_male[6][2]=694.00;
   rates_gb_male[6][3]=605.00; rates_gb_male[6][4]=497.00; rates_gb_male[6][5]=442.00;
   rates_gb_male[7][0]=1228.00; rates_gb_male[7][1]=1007.00; rates_gb_male[7][2]=780.00;
   rates_gb_male[7][3]=680.00; rates_gb_male[7][4]=555.00; rates_gb_male[7][5]=494.00;
   rates_gb_male[8][0]=1500.00; rates_gb_male[8][1]=1272.00; rates_gb_male[8][2]=983.00;
   rates_gb_male[8][3]=858.00; rates_gb_male[8][4]=728.00; rates_gb_male[8][5]=648.00;
   rates_gb_male[9][0]=1813.00; rates_gb_male[9][1]=1576.00; rates_gb_male[9][2]=1220.00;
   rates_gb_male[9][3]=1063.00; rates_gb_male[9][4]=895.00; rates_gb_male[9][5]=796.00;
   rates_gb_male[10][0]=2669.00; rates_gb_male[10][1]=2432.00; rates_gb_male[10][2]=2050.00;
   rates_gb_male[10][3]=1857.00; rates_gb_male[10][4]=1551.00; rates_gb_male[10][5]=1381.00;
   rates_gb_male[11][0]=5573.00; rates_gb_male[11][1]=5334.00; rates_gb_male[11][2]=4990.00;
   rates_gb_male[11][3]=3836.00; rates_gb_male[11][4]=3354.00; rates_gb_male[11][5]=2985.00;
   //document.write("Done populating rates_gb_male table<br>");

   // Populate Global Basic longterm female, annually
   //document.write("Populating rates_gb_female Table");
   rates_gb_female[0][0]=311.00; rates_gb_female[0][1]=270.00; rates_gb_female[0][2]=211.00;
   rates_gb_female[0][3]=184.00; rates_gb_female[0][4]=169.00; rates_gb_female[0][5]=150.00;
   rates_gb_female[1][0]=336.00; rates_gb_female[1][1]=299.00; rates_gb_female[1][2]=247.00;
   rates_gb_female[1][3]=230.00; rates_gb_female[1][4]=216.00; rates_gb_female[1][5]=190.00;
   rates_gb_female[2][0]=1184.00; rates_gb_female[2][1]=1087.00; rates_gb_female[2][2]=841.00;
   rates_gb_female[2][3]=733.00; rates_gb_female[2][4]=573.00; rates_gb_female[2][5]=510.00;
   rates_gb_female[3][0]=1322.00; rates_gb_female[3][1]=1221.00; rates_gb_female[3][2]=944.00;
   rates_gb_female[3][3]=825.00; rates_gb_female[3][4]=643.00; rates_gb_female[3][5]=572.00;
   rates_gb_female[4][0]=1432.00; rates_gb_female[4][1]=1313.00; rates_gb_female[4][2]=1015.00;
   rates_gb_female[4][3]=885.00; rates_gb_female[4][4]=691.00; rates_gb_female[4][5]=615.00;
   rates_gb_female[5][0]=1650.00; rates_gb_female[5][1]=1458.00; rates_gb_female[5][2]=1127.00;
   rates_gb_female[5][3]=983.00; rates_gb_female[5][4]=768.00; rates_gb_female[5][5]=683.00;
   rates_gb_female[6][0]=1332.00; rates_gb_female[6][1]=1124.00; rates_gb_female[6][2]=870.00;
   rates_gb_female[6][3]=759.00; rates_gb_female[6][4]=632.00; rates_gb_female[6][5]=562.00;
   rates_gb_female[7][0]=1481.00; rates_gb_female[7][1]=1260.00; rates_gb_female[7][2]=974.00;
   rates_gb_female[7][3]=849.00; rates_gb_female[7][4]=670.00; rates_gb_female[7][5]=596.00;
   rates_gb_female[8][0]=1648.00; rates_gb_female[8][1]=1420.00; rates_gb_female[8][2]=1102.00;
   rates_gb_female[8][3]=980.00; rates_gb_female[8][4]=813.00; rates_gb_female[8][5]=724.00;
   rates_gb_female[9][0]=1813.00; rates_gb_female[9][1]=1576.00; rates_gb_female[9][2]=1218.00;
   rates_gb_female[9][3]=1063.00; rates_gb_female[9][4]=903.00; rates_gb_female[9][5]=804.00;
   rates_gb_female[10][0]=2512.00; rates_gb_female[10][1]=2275.00; rates_gb_female[10][2]=1810.00;
   rates_gb_female[10][3]=1666.00; rates_gb_female[10][4]=1378.00; rates_gb_female[10][5]=1227.00;
   rates_gb_female[11][0]=4863.00; rates_gb_female[11][1]=4625.00; rates_gb_female[11][2]=4212.00;
   rates_gb_female[11][3]=3130.00; rates_gb_female[11][4]=3004.00; rates_gb_female[11][5]=2673.00;
   //document.write("Done populating rates_gb_female table<br>");

   //  Populate Inbound USA $75 ded. monthly
   //document.write("Populating rates_li_toUS_mon Table");
   rates_li_toUS_mon[0][0]=46.00; rates_li_toUS_mon[0][1]=71.00;
   rates_li_toUS_mon[1][0]=57.00; rates_li_toUS_mon[1][1]=83.00;
   rates_li_toUS_mon[2][0]=57.00; rates_li_toUS_mon[2][1]=83.00;
   rates_li_toUS_mon[3][0]=57.00; rates_li_toUS_mon[3][1]=83.00;
   rates_li_toUS_mon[4][0]=57.00; rates_li_toUS_mon[4][1]=83.00;
   rates_li_toUS_mon[5][0]=87.00; rates_li_toUS_mon[5][1]=128.00;
   rates_li_toUS_mon[6][0]=87.00; rates_li_toUS_mon[6][1]=128.00;
   rates_li_toUS_mon[7][0]=87.00; rates_li_toUS_mon[7][1]=128.00;
   rates_li_toUS_mon[8][0]=101.00; rates_li_toUS_mon[8][1]=-1.00;
   rates_li_toUS_mon[9][0]=131.00; rates_li_toUS_mon[9][1]=-1.00;
   //document.write("Done populating rates_li_toUS_mon<br>");

}


function RComp(LForm, change) {
   cov_length = LForm.cov_length.value;
   ded = LForm.deductible.value;
   your_age = LForm.age.value;
   spouse_age = LForm.spouse_age.value;

   your_gender = LForm.your_gender.value;
   if (your_gender == "male") {
      spouse_gender = "female";
      male_age = LForm.age.value;
      female_age = LForm.spouse_age.value;
   }
   else {
      spouse_gender = "male";
      female_age = LForm.age.value;
      male_age = LForm.spouse_age.value;
   }

   children = parseInt(LForm.children.value);
   
   if (ded == "250") {
      col = 0;
   }
   else if (ded == "500") {
      col = 1;
   }
   else if (ded == "1000") {
      col = 2;
   }
   else if (ded == "2500") {
      col = 3;
   } 
   else if (ded == "5000") {
      col = 4;
   } 
   else if ( ded == "10000") {
      col = 5;
   }

   // find out which row of the table for insured
   if(male_age=="10-18") {
      row_rw_male=1;
      row_rp_male=1;
      row_ice_male=1;
      row_icp_male=1;
      row_gm_male=1;
      row_gb_male=1;
	  row_li=1;
   }
   else if(male_age=="19-24") {
      row_rw_male=2;
      row_rp_male=2;
      row_ice_male=2;
      row_icp_male=2;
      row_gm_male=2;
      row_gb_male=2;
	  row_li=2;
   }
   else if(male_age=="25-29") {
      row_rw_male=3;
      row_rp_male=2;
      row_ice_male=3;
      row_icp_male=3;
      row_gm_male=3;
      row_gb_male=3;
	  row_li=3;
   }
   else if(male_age=="30-34") {
      row_rw_male=4;
      row_rp_male=3;
      row_ice_male=4;
      row_icp_male=4;
      row_gm_male=4;
      row_gb_male=4;
	  row_li=4;
   }
   else if(male_age=="35-39") {
      row_rw_male=5;
      row_rp_male=3;
      row_ice_male=5;
      row_icp_male=5;
      row_gm_male=5;
      row_gb_male=5;
	  row_li=4;
   }
   else if(male_age=="40-44") {
      row_rw_male=6;
      row_rp_male=4;
      row_ice_male=6;
      row_icp_male=6;
      row_gm_male=6;
      row_gb_male=6;
	  row_li=4;
   }
   else if(male_age=="45-49") {
      row_rw_male=7;
      row_rp_male=5;
      row_ice_male=7;
      row_icp_male=7;
      row_gm_male=7;
      row_gb_male=7;
	  row_li=4;
   }
   else if(male_age=="50-54") {
      row_rw_male=8;
      row_rp_male=6;
      row_ice_male=8;
      row_icp_male=8;
      row_gm_male=8;
      row_gb_male=8;
	  row_li=5;
   }
   else if(male_age=="55-59") {
      row_rw_male=9;
      row_rp_male=7;
      row_ice_male=9;
      row_icp_male=9;
      row_gm_male=9;
      row_gb_male=9;
  	  row_li=6;

   }
   else if(male_age=="60-64") {
      row_rw_male=10;
      row_rp_male=8;
      row_ice_male=10;
      row_icp_male=10;
      row_gm_male=10;
      row_gb_male=10;
	  row_li=7;

   }
   else if(male_age=="65-69") {
      row_rw_male=11;
      row_rp_male=9;
      row_ice_male=11;
      row_icp_male=11;
      row_gm_male=11;
      row_gb_male=11;
	  row_li=7;
   }
   else if(male_age=="70") {
      row_rw_male=12;
      row_rp_male=-1;
      row_ice_male=12;
      row_icp_male=12;
      row_gm_male=-1;
      row_gb_male=-1;
	  row_li=8;
   }
   else if(male_age=="71") {
      row_rw_male=13;
      row_rp_male=-1;
      row_ice_male=13;
      row_icp_male=13;
      row_gm_male=-1;
      row_gb_male=-1;
  	  row_li=8;

   }
   else if(male_age=="72") {
      row_rw_male=14;
      row_rp_male=-1;
      row_ice_male=14;
      row_icp_male=14;
      row_gm_male=-1;
      row_gb_male=-1;
	  row_li=8;	  
   }
   else if(male_age=="73") {
      row_rw_male=15;
      row_rp_male=-1;
      row_ice_male=15;
      row_icp_male=15;
      row_gm_male=-1;
      row_gb_male=-1;
	  row_li=8;	  
   }
   else if(male_age=="74") {
      row_rw_male=16;
      row_rp_male=-1;
      row_ice_male=16;
      row_icp_male=16;
      row_gm_male=-1;
      row_gb_male=1;
	  row_li=8;
   }
   else {
      row_rw_male=-1;
      row_rp_male=-1;
      row_ice_male=-1;
      row_icp_male=-1;
      row_gm_male=-1;
      row_gb_male=-1;
   }

   // find out which row of the table for spouse
   if(female_age=="10-18") {
      row_rw_female=1;
      row_rp_female=1;
      row_ice_female=1;
      row_icp_female=1;
      row_gm_female=1;
      row_gb_female=1;
	  spouse_row_li=1;	  
   }
   else if(female_age=="19-24") {
      row_rw_female=2;
      row_rp_female=2;
      row_ice_female=2;
      row_icp_female=2;
      row_gm_female=2;
      row_gb_female=2;
	  spouse_row_li=2;
	  
   }
   else if(female_age=="25-29") {
      row_rw_female=3;
      row_rp_female=2;
      row_ice_female=3;
      row_icp_female=3;
      row_gm_female=3;
      row_gb_female=3;
	  spouse_row_li=3;
   }
   else if(female_age=="30-34") {
      row_rw_female=4;
      row_rp_female=3;
      row_ice_female=4;
      row_icp_female=4;
      row_gm_female=4;
      row_gb_female=4;
	  spouse_row_li=4;
   }
   else if(female_age=="35-39") {
      row_rw_female=5;
      row_rp_female=3;
      row_ice_female=5;
      row_icp_female=5;
      row_gm_female=5;
      row_gb_female=5;
	  spouse_row_li=4;
   }
   else if(female_age=="40-44") {
      row_rw_female=6;
      row_rp_female=4;
      row_ice_female=6;
      row_icp_female=6;
      row_gm_female=6;
      row_gb_female=6;
	  spouse_row_li=4;
   }
   else if(female_age=="45-49") {
      row_rw_female=7;
      row_rp_female=5;
      row_ice_female=7;
      row_icp_female=7;
      row_gm_female=7;
      row_gb_female=7;
	  spouse_row_li=4;
   }  
   else if(female_age=="50-54") {
      row_rw_female=8;
      row_rp_female=6;
      row_ice_female=8;
      row_icp_female=8;
      row_gm_female=8;
      row_gb_female=8;
	  spouse_row_li=5;
   }  
   else if(female_age=="55-59") {
      row_rw_female=9;
      row_rp_female=7;
      row_ice_female=9;
      row_icp_female=9;
      row_gm_female=9;
      row_gb_female=9;
	  spouse_row_li=6;
   }  
   else if(female_age=="60-64") {
      row_rw_female=10;
      row_rp_female=8;
      row_ice_female=10;
      row_icp_female=10;
      row_gm_female=10;
      row_gb_female=10;
	  spouse_row_li=7;
   }  
   else if(female_age=="65-69") {
      row_rw_female=11;
      row_rp_female=9;
      row_ice_female=11;
      row_icp_female=11;
      row_gm_female=11;
      row_gb_female=11;
	  spouse_row_li=7;
   }
   else if(female_age=="70") {
      row_rw_female=12;
      row_rp_female=-1;
      row_ice_female=12;
      row_icp_female=12;
      row_gm_female=-1;
      row_gb_female=-1;
	  spouse_row_li=8;
   }
   else if(female_age=="71") {
      row_rw_female=13;
      row_rp_female=-1;
      row_ice_female=13;
      row_icp_female=13;
      row_gm_female=-1;
      row_gb_female=-1;
	  spouse_row_li=8;
   }
   else if(female_age=="72") {
      row_rw_female=14;
      row_rp_female=-1;
      row_ice_female=14;
      row_icp_female=14;
      row_gm_female=-1;
      row_gb_female=-1;
	  spouse_row_li=8;
   }
   else if(female_age=="73") {
      row_rw_female=15;
      row_rp_female=-1;
      row_ice_female=15;
      row_icp_female=15;
      row_gm_female=-1;
      row_gb_female=-1;
	  spouse_row_li=8;
   }
   else if(female_age=="74") {
      row_rw_female=16;
      row_rp_female=-1;
      row_ice_female=16;
      row_icp_female=16;
      row_gm_female=-1;
      row_gb_female=1;
	  spouse_row_li=8;
   }  
   else {
      row_rw_female=-1;
      row_rp_female=-1;
      row_ice_female=-1;
      row_icp_female=-1;
      row_gm_female=-1;
      row_gb_female=-1;
   }

   if(your_age=="na") {
      LForm.rw_premium.value=("0.00");
      LForm.rp_premium.value=("0.00");
      LForm.ice_premium.value=("0.00");
      LForm.icp_premium.value=("0.00");
      LForm.gm_premium.value=("0.00");
      LForm.gb_premium.value=("0.00");
	LForm.li_premium.value=("0.00");
      return;
   }

   RComp_rw(LForm, change);
   RComp_rp(LForm, change);
   RComp_ice(LForm, change);
   RComp_icp(LForm, change);
   RComp_gm(LForm, change);
   RComp_gb(LForm, change);
   RComp_li(LForm, change);

   return;
}

// -----------------------------------------------------------------------

// Compute rate for Reside Worldwide 
function RComp_rw(LForm, change) {
   if (cov_length == "annual") {
      factor_rw = 1.00;
   }
   else if (cov_length == "semi") {
      factor_rw = 0.55;
   }
   else if (cov_length == "quarter") {
      factor_rw = 0.28;
   }
   else if (cov_length == "month") {
      factor_rw = 0.10;
   }

   // Add insured's based premium
   premium_rw = 0.00;

   // Display NA if requested coverage is not available for this plan
   if(row_rw_male == -1 && row_rw_female == -1) {
      LForm.rw_premium.value = "NA";
      return;
   }
   else if(col == 5) {
      LForm.rw_premium.value = "NA";
      return;
   }
   
   // Calculate premium
   if(row_rw_male != -1 && col != 5) {
      premium_rw += rates_rw_male[row_rw_male][col];
   }

   if(row_rw_female != -1 && col != 5) {
      premium_rw += rates_rw_female[row_rw_female][col];
   }

   // Add the children's premium if applicable
   if (children > 0 && col != 5) {
      premium_rw += rates_rw_male[0][col] * children;
   }

   // Apply coverage length factors
   premium_rw = premium_rw * factor_rw;
   
   LForm.rw_premium.value = Format_premium("" + premium_rw);
   return;
}

// -----------------------------------------------------------------------

// Compute rate for Reside Prime 
function RComp_rp(LForm, change) {
   if (cov_length == "annual") {
      factor_rp = 1.00;
   }
   else if (cov_length == "semi") {
      factor_rp = 0.55;
   }
   else if (cov_length == "quarter") {
      factor_rp = 0.28;
   }
   else if (cov_length == "month") {
      factor_rp = 0.10;
   }

   // Add insured's based premium
   premium_rp = 0.00;

   // Display NA if requested coverage is not available for this plan
   if(row_rp_male == -1 && row_rp_female == -1) {
      LForm.rp_premium.value = "NA";
      return;
   }
   else if(col == 5) {
      LForm.rp_premium.value = "NA";
      return;
   }

   // Calculate premium
   if(row_rp_male != -1 && col != 5) {
      premium_rp += rates_rp_male[row_rp_male][col];
   }

   if(row_rp_female != -1 && col != 5) {
      premium_rp += rates_rp_female[row_rp_female][col];
   }

   // Add the children's premium if applicable
   if (children > 0 && col != 5) {
      premium_rp += rates_rp_male[0][col] * children;
   }

   // Apply coverage length factors
   premium_rp = premium_rp * factor_rp;

   LForm.rp_premium.value = Format_premium("" + premium_rp);
   return;
}

// -----------------------------------------------------------------------

// Compute rate for Int'l Citizen Economy 
function RComp_ice(LForm, change) {
   if (cov_length == "annual") {
      factor_ice = 1.00;
   }
   else if (cov_length == "semi") {
      factor_ice = 0.55;
   }
   else if (cov_length == "quarter") {
      factor_ice = 0.28;
   }
   else if (cov_length == "month") {
      factor_ice = 0.20;
   }

   // Add insured's based premium
   premium_ice = 0.00;

   // Display NA if requested coverage is not available for this plan
   if(row_ice_male == -1 && row_ice_female == -1) {
      LForm.ice_premium.value = "NA";
      return;
   }
   else if(col == 5) {
      LForm.ice_premium.value = "NA";
      return;
   }

   // Calculate premium
   if(row_ice_male != -1 && col != 5) {
      premium_ice += rates_ice_male[row_ice_male][col];
   }

   if(row_ice_female != -1 && col != 5) {
      premium_ice += rates_ice_female[row_ice_female][col];
   }

   // Add the children's premium if applicable
   if (children > 0 && col != 5) {
      premium_ice += rates_ice_male[0][col] * children;
   }

   // Apply coverage length factors
   premium_ice = premium_ice * factor_ice;

   LForm.ice_premium.value = Format_premium("" + premium_ice);
   return;
}

// -----------------------------------------------------------------------

// Compute rate for Int'l Citizen Platinum 
function RComp_icp(LForm, change) {
   if (cov_length == "annual") {
      factor_icp = 1.00;
   }
   else if (cov_length == "semi") {
      factor_icp = 0.55;
   }
   else if (cov_length == "quarter") {
      factor_icp = 0.28;
   }
   else if (cov_length == "month") {
      factor_icp = 0.10;
   }

   // Add insured's based premium
   premium_icp = 0.00;

   // Display NA if requested coverage is not available for this plan
   if(row_icp_male == -1 && row_icp_female == -1) {
      LForm.icp_premium.value = "NA";
      return;
   }
   else if(col == 5) {
      LForm.icp_premium.value = "NA";
      return;
   }

   // Calculate premium
   if(row_icp_male != -1 && col != 5) {
      premium_icp += rates_icp_male[row_icp_male][col];
   }

   if(row_icp_female != -1 && col != 5) {
      premium_icp += rates_icp_female[row_icp_female][col];
   }

   // Add the children's premium if applicable
   if (children > 0 && col != 5) {
      premium_icp += rates_icp_male[0][col] * children;
   }

   // Apply coverage length factors
   premium_icp = premium_icp * factor_icp;

   LForm.icp_premium.value = Format_premium("" + premium_icp);
   return;
}

// -----------------------------------------------------------------------

// Compute rate for Global Medical
function RComp_gm(LForm, change) {
   if (cov_length == "annual") {
      factor_gm = 1.00;
   }
   else if (cov_length == "semi") {
      factor_gm = 0.55;
   }
   else if (cov_length == "quarter") {
      factor_gm = 0.28;
   }
   else if (cov_length == "month") {
      LForm.gm_premium.value = "NA";
      return;
   }

   // Add insured's based premium
   premium_gm = 0.00;

   // Display NA if requested coverage is not available for this plan
   if(row_gm_male == -1 && row_gm_female == -1) {
      LForm.gm_premium.value = "NA";
      return;
   }

   // Calculate premium
   if(row_gm_male != -1 && col != 5) {
      premium_gm += rates_gm_male[row_gm_male][col];
   }

   if(row_gm_female != -1 && col != 5) {
      premium_gm += rates_gm_female[row_gm_female][col];
   }

   // Add the children's premium if applicable
   if (children > 0 && col != 5) {
      premium_gm += rates_gm_male[0][col] * children;
   }

   // Apply coverage length factors
   premium_gm = premium_gm * factor_gm;

   LForm.gm_premium.value = Format_premium("" + premium_gm);
   return;
}

// -----------------------------------------------------------------------

// Compute rate for Global Basic
function RComp_gb(LForm, change) {
   if (cov_length == "annual") {
      factor_gb = 1.00;
   }
   else if (cov_length == "semi") {
      factor_gb = 0.55;
   }
   else if (cov_length == "quarter") {
      factor_gb = 0.28;
   }
   else if (cov_length == "month") {
      LForm.gb_premium.value = "NA";
      return;
   }

   // Add insured's based premium
   premium_gb = 0.00;

   // Display NA if requested coverage is not available for this plan
   if(row_gb_male == -1 && row_gb_female == -1) {
      LForm.gb_premium.value = "NA";
      return;
   }

   // Calculate premium
   if(row_gb_male != -1 && col != 5) {
      premium_gb += rates_gb_male[row_gb_male][col];
   }

   if(row_gb_female != -1 && col != 5) {
      premium_gb += rates_gb_female[row_gb_female][col];
   }

   // Add the children's premium if applicable
   if (children > 0 && col != 5) {
      premium_gb += rates_gb_male[0][col] * children;
   }

   // Apply coverage length factors
   premium_gb = premium_gb * factor_gb;

   LForm.gb_premium.value = Format_premium("" + premium_gb);
   return;
}

// ----------------------------------------------------------------------------

// Compute rate for INBOUND USA
function RComp_li(LForm, change) {
	coverage_li = LForm.coverage_li.value;
	deductible_li = LForm.deductible_li.value;
	var newrate = 0;
	var months = 0;

// Inbound USA is monthly!  Convert Cov_Length to monthly values!
   if (cov_length == "annual") {
      months = 12;
   }
   else if (cov_length == "semi") {
      months = 6;
   }
   else if (cov_length == "quarter") {
      months = 3;
   }
   else if (cov_length == "month") {
      months = 1;
   }



   // Display available coverage options for the specific age group
   if(change == "age" || change == "spouse_age") {
      if(your_age=="70" || your_age=="71" || your_age=="72" || your_age=="73" || your_age=="74") {
         LForm.coverage_li.options.length = 1;
         LForm.coverage_li.options[0] = new Option("$50,000", "50000");
		 //LForm.deductible_li.value = "250";
		 //deductible_li = "250";
		 LForm.deductible_li.options.length = 1;
		 LForm.deductible_li.options[0] = new Option("$250", "250");
		 deductible_li = "250";
      }
      else if(spouse_age=="70" || spouse_age=="71" || spouse_age=="72" || spouse_age=="73" || spouse_age=="74") {
         LForm.coverage_li.options.length = 1;
         LForm.coverage_li.options[0] = new Option("$50,000", "50000");
		 //LForm.deductible_li.value = "250";
	     //deductible_li = "250";
		 LForm.deductible_li.options.length = 1;
		 LForm.deductible_li.options[0] = new Option("$250", "250");
		 deductible_li = "250";		 
      }
      else {
         LForm.coverage_li.options.length = 2;
         LForm.coverage_li.options[0] = new Option("$50,000", "50000");
         LForm.coverage_li.options[1] = new Option("$100,000", "100000");
         LForm.deductible_li.options.length = 2;
         LForm.deductible_li.options[0] = new Option("$75", "75");
         LForm.deductible_li.options[1] = new Option("$150", "150");		 
      }
      coverage_li = "50000";
   }

   // find out which col of the table
   if(coverage_li=="50000") {
      col_li=0;
   }
   else {
      col_li=1;
   }

   // Apply deductible factors
   if(deductible_li == "150") {
    if (col_li == 0) {
		newrate = rates_li_toUS_mon[row_li][col_li] - 6;
	}
	else {
		newrate = rates_li_toUS_mon[row_li][col_li] - 3;
	}
   }
   if (deductible_li == "75" || deductible_li == "250") {
	newrate = rates_li_toUS_mon[row_li][col_li];
   }


   // Add insured's based premium
   premium_li = newrate * months;

   //premium_li = rates_li_toUS_mon[row_li][col_li] * months;

   // Add spouse's based premium if applicable
   if(spouse_age != "na") {
      premium_li += rates_li_toUS_mon[spouse_row_li][col_li] * months;
   }

   // Add the children's premium if applicable
   if (children > 0) {
      premium_li += (rates_li_toUS_mon[0][col_li] * months) * children;
   }

   LForm.li_premium.value = Format_premium("" + premium_li);
   return;
}

// ----------------------------------------------------------------------------