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

var LI_ROW = 10;
var LI_COL = 4;
var ATI_ROW = 10;
var ATI_COL = 5;
var ATA_ROW = 10;
var ATA_COL = 5;
var OUTA_ROW = 10;
var OUTA_COL = 4;
var OUTI_ROW = 10;
var OUTI_COL = 5;

var rates_li_outUS_mon;
var rates_li_outUS_daily;
var rates_ati_outUS_mon;
var rates_ati_outUS_daily;
var rates_ata_toUS_mon;
var rates_ata_toUS_daily;
var rates_outa_outUS_mon;
var rates_outa_outUS_daily;
var rates_outi_outUS_mon;
var rates_outi_outUS_daily;

var months, days, your_age, spouse_age, children;
var premium_li, row_li, spouse_row_li, col_li, coverage_li, deductible_li, sports_li;
var premium_ati, row_ati, spouse_row_ati, col_ati, coverage_ati, deductible_ati, sports_ati;
var premium_ata, row_ata, spouse_row_ata, col_ata, coverage_ata, deductible_ata, sports_ata;
var premium_outa, row_outa, spouse_row_outa, col_outa, coverage_outa, deductible_outa, sports_outa;
var premium_outi, row_outi, spouse_row_outi, col_outi, coverage_outi, deductible_outi, sports_outi;


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_li_outUS_mon = Init_Table("rates_li_outUS_mon", LI_ROW, LI_COL);
   rates_li_outUS_daily = Init_Table("rates_li_outUS_daily", LI_ROW, LI_COL);
   rates_ati_outUS_mon = Init_Table("rates_ati_outUS_mon", ATI_ROW, ATI_COL);
   rates_ati_outUS_daily = Init_Table("rates_ati_outUS_daily", ATI_ROW, ATI_COL);
   rates_ata_toUS_mon = Init_Table("rates_ata_toUS_mon", ATA_ROW, ATA_COL);
   rates_ata_toUS_daily = Init_Table("rates_ata_toUS_daily", ATA_ROW, ATA_COL);
   rates_outa_outUS_mon = Init_Table("rates_outa_outUS_mon", OUTA_ROW, OUTA_COL);
   rates_outa_outUS_daily = Init_Table("rates_outa_outUS_daily", OUTA_ROW, OUTA_COL);
   rates_outi_outUS_mon = Init_Table("rates_outi_outUS_mon", OUTI_ROW, OUTI_COL);
   rates_outi_outUS_daily = Init_Table("rates_outi_outUS_daily", OUTI_ROW, OUTI_COL);
}

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

   //  Populate Liaison International $250 ded. monthly
   // 100 ded: 1.1x
   // 500 ded: 0.9x
   // 1000 ded: 0.8x
   // 2500 ded: 0.7x
   // Dep. Child, Child Alone, then Age Range
   //document.write("Populating rates_li_outUS_mon Table");
   rates_li_outUS_mon[0][0]=20.00; rates_li_outUS_mon[0][1]=25.00;
   rates_li_outUS_mon[0][2]=27.00; rates_li_outUS_mon[0][3]=30.00;
   rates_li_outUS_mon[1][0]=32.00; rates_li_outUS_mon[1][1]=36.00;
   rates_li_outUS_mon[1][2]=40.00; rates_li_outUS_mon[1][3]=43.00;
   rates_li_outUS_mon[2][0]=32.00; rates_li_outUS_mon[2][1]=38.00;
   rates_li_outUS_mon[2][2]=42.00; rates_li_outUS_mon[2][3]=47.00;
   rates_li_outUS_mon[3][0]=38.00; rates_li_outUS_mon[3][1]=44.00;
   rates_li_outUS_mon[3][2]=56.00; rates_li_outUS_mon[3][3]=64.00;
   rates_li_outUS_mon[4][0]=61.00; rates_li_outUS_mon[4][1]=68.00;
   rates_li_outUS_mon[4][2]=73.00; rates_li_outUS_mon[4][3]=81.00;
   rates_li_outUS_mon[5][0]=100.00; rates_li_outUS_mon[5][1]=114.00;
   rates_li_outUS_mon[5][2]=122.00; rates_li_outUS_mon[5][3]=129.00;
   rates_li_outUS_mon[6][0]=114.00; rates_li_outUS_mon[6][1]=136.00;
   rates_li_outUS_mon[6][2]=149.00; rates_li_outUS_mon[6][3]=168.00;
   rates_li_outUS_mon[7][0]=133.00; rates_li_outUS_mon[7][1]=145.00;
   rates_li_outUS_mon[7][2]=153.00; rates_li_outUS_mon[7][3]=174.00;
   rates_li_outUS_mon[8][0]=199.00; rates_li_outUS_mon[8][1]=280.00;
   rates_li_outUS_mon[8][2]=-1.00; rates_li_outUS_mon[8][3]=-1.00;
   rates_li_outUS_mon[9][0]=333.00; rates_li_outUS_mon[9][1]=-1.00;
   rates_li_outUS_mon[9][2]=-1.00; rates_li_outUS_mon[9][3]=-1.00;   
   //document.write("Done populating rates_li_outUS_mon<br>");

   // Populate Liaison Internatinal daily Table
   //document.write("Populating rates_li_outUS_daily Table");
   rates_li_outUS_daily[0][0]=0.67; rates_li_outUS_daily[0][1]=0.83;
   rates_li_outUS_daily[0][2]=0.90; rates_li_outUS_daily[0][3]=1.01;
   rates_li_outUS_daily[1][0]=1.07; rates_li_outUS_daily[1][1]=1.21;
   rates_li_outUS_daily[1][2]=1.32; rates_li_outUS_daily[1][3]=1.44;
   rates_li_outUS_daily[2][0]=1.07; rates_li_outUS_daily[2][1]=1.26;
   rates_li_outUS_daily[2][2]=1.41; rates_li_outUS_daily[2][3]=1.57;
   rates_li_outUS_daily[3][0]=1.26; rates_li_outUS_daily[3][1]=1.45;
   rates_li_outUS_daily[3][2]=1.86; rates_li_outUS_daily[3][3]=2.12;
   rates_li_outUS_daily[4][0]=2.02; rates_li_outUS_daily[4][1]=2.28;
   rates_li_outUS_daily[4][2]=2.43; rates_li_outUS_daily[4][3]=2.69;
   rates_li_outUS_daily[5][0]=3.33; rates_li_outUS_daily[5][1]=3.80;
   rates_li_outUS_daily[5][2]=4.05; rates_li_outUS_daily[5][3]=4.30;
   rates_li_outUS_daily[6][0]=3.80; rates_li_outUS_daily[6][1]=4.53;
   rates_li_outUS_daily[6][2]=4.95; rates_li_outUS_daily[6][3]=5.59;
   rates_li_outUS_daily[7][0]=4.44; rates_li_outUS_daily[7][1]=4.85;
   rates_li_outUS_daily[7][2]=5.10; rates_li_outUS_daily[7][3]=5.79;
   rates_li_outUS_daily[8][0]=6.62; rates_li_outUS_daily[8][1]=9.34;
   rates_li_outUS_daily[8][2]=-1.00; rates_li_outUS_daily[8][3]=-1.00;
   rates_li_outUS_daily[9][0]=11.09; rates_li_outUS_daily[9][1]=-1.00;
   rates_li_outUS_daily[9][2]=-1.00; rates_li_outUS_daily[9][3]=-1.00;   
   //document.write("Done populating rates_li_outUS_daily<br>");


   // Populate Atlas International monthly table  $250 ded.
   //document.write("Populating rates_ati_outUS_mon Tables");
   rates_ati_outUS_mon[0][0]=20.00; rates_ati_outUS_mon[0][1]=25.00;
   rates_ati_outUS_mon[0][2]=26.00; rates_ati_outUS_mon[0][3]=27.00;
   rates_ati_outUS_mon[0][4]=28.00;
   rates_ati_outUS_mon[1][0]=34.00; rates_ati_outUS_mon[1][1]=38.00;
   rates_ati_outUS_mon[1][2]=40.00; rates_ati_outUS_mon[1][3]=41.00;
   rates_ati_outUS_mon[1][4]=45.00;
   rates_ati_outUS_mon[2][0]=34.00; rates_ati_outUS_mon[2][1]=40.00;
   rates_ati_outUS_mon[2][2]=42.00; rates_ati_outUS_mon[2][3]=43.00;
   rates_ati_outUS_mon[2][4]=48.00;
   rates_ati_outUS_mon[3][0]=40.00; rates_ati_outUS_mon[3][1]=46.00;
   rates_ati_outUS_mon[3][2]=54.00; rates_ati_outUS_mon[3][3]=57.00;
   rates_ati_outUS_mon[3][4]=63.00;
   rates_ati_outUS_mon[4][0]=64.00; rates_ati_outUS_mon[4][1]=71.00;
   rates_ati_outUS_mon[4][2]=72.00; rates_ati_outUS_mon[4][3]=73.00;
   rates_ati_outUS_mon[4][4]=81.00;
   rates_ati_outUS_mon[5][0]=105.00; rates_ati_outUS_mon[5][1]=120.00;
   rates_ati_outUS_mon[5][2]=121.00; rates_ati_outUS_mon[5][3]=122.00;
   rates_ati_outUS_mon[5][4]=136.00;
   rates_ati_outUS_mon[6][0]=132.00; rates_ati_outUS_mon[6][1]=143.00;
   rates_ati_outUS_mon[6][2]=176.00; rates_ati_outUS_mon[6][3]=186.00;
   rates_ati_outUS_mon[6][4]=206.00;
   rates_ati_outUS_mon[7][0]=164.00; rates_ati_outUS_mon[7][1]=180.00;
   rates_ati_outUS_mon[7][2]=193.00; rates_ati_outUS_mon[7][3]=200.00;
   rates_ati_outUS_mon[7][4]=220.00;
   rates_ati_outUS_mon[8][0]=220.00; rates_ati_outUS_mon[8][1]=-1.00;
   rates_ati_outUS_mon[8][2]=-1.00; rates_ati_outUS_mon[8][3]=-1.00;
   rates_ati_outUS_mon[8][4]=-1.00;
   rates_ati_outUS_mon[9][0]=500.00; rates_ati_outUS_mon[9][1]=-1.00;
   rates_ati_outUS_mon[9][2]=-1.00; rates_ati_outUS_mon[9][3]=-1.00;
   rates_ati_outUS_mon[9][4]=-1.00;
   //document.write("Done populating rates_ati_outUS_mon<br>");

   // Populate Atlas International  daily Table   $250 ded.
   //document.write("Populating rates_li_outUS_daily Table");
   rates_ati_outUS_daily[0][0]=0.70; rates_ati_outUS_daily[0][1]=0.80;
   rates_ati_outUS_daily[0][2]=0.90; rates_ati_outUS_daily[0][3]=1.00;
   rates_ati_outUS_daily[0][4]=1.10;
   rates_ati_outUS_daily[1][0]=1.10; rates_ati_outUS_daily[1][1]=1.20;
   rates_ati_outUS_daily[1][2]=1.30; rates_ati_outUS_daily[1][3]=1.40;
   rates_ati_outUS_daily[1][4]=1.70;
   rates_ati_outUS_daily[2][0]=1.10; rates_ati_outUS_daily[2][1]=1.30;
   rates_ati_outUS_daily[2][2]=1.40; rates_ati_outUS_daily[2][3]=1.40;
   rates_ati_outUS_daily[2][4]=1.60;
   rates_ati_outUS_daily[3][0]=1.30; rates_ati_outUS_daily[3][1]=1.50;
   rates_ati_outUS_daily[3][2]=1.80; rates_ati_outUS_daily[3][3]=1.90;
   rates_ati_outUS_daily[3][4]=2.10;
   rates_ati_outUS_daily[4][0]=2.10; rates_ati_outUS_daily[4][1]=2.40;
   rates_ati_outUS_daily[4][2]=2.40; rates_ati_outUS_daily[4][3]=2.40;
   rates_ati_outUS_daily[4][4]=2.70;
   rates_ati_outUS_daily[5][0]=3.50; rates_ati_outUS_daily[5][1]=4.00;
   rates_ati_outUS_daily[5][2]=4.05; rates_ati_outUS_daily[5][3]=4.10;
   rates_ati_outUS_daily[5][4]=4.50;
   rates_ati_outUS_daily[6][0]=4.40; rates_ati_outUS_daily[6][1]=4.80;
   rates_ati_outUS_daily[6][2]=5.80; rates_ati_outUS_daily[6][3]=6.20;
   rates_ati_outUS_daily[6][4]=6.90;
   rates_ati_outUS_daily[7][0]=5.50; rates_ati_outUS_daily[7][1]=6.00;
   rates_ati_outUS_daily[7][2]=6.40; rates_ati_outUS_daily[7][3]=6.70;
   rates_ati_outUS_daily[7][4]=7.30;
   rates_ati_outUS_daily[8][0]=7.30; rates_ati_outUS_daily[8][1]=-1.00;
   rates_ati_outUS_daily[8][2]=-1.00; rates_ati_outUS_daily[8][3]=-1.00;
   rates_ati_outUS_daily[8][4]=-1.00;
   rates_ati_outUS_daily[9][0]=16.70; rates_ati_outUS_daily[9][1]=-1.00;
   rates_ati_outUS_daily[9][2]=-1.00; rates_ati_outUS_daily[9][3]=-1.00;
   rates_ati_outUS_daily[9][4]=-1.00;
   //document.write("Done populating rates_ati_outUS_daily<br>");


   // Populate Atlas to US monthly table  $250 ded.
   //document.write("Populating rates_ata_toUS_mon Tables");
   rates_ata_toUS_mon[0][0]=28.00; rates_ata_toUS_mon[0][1]=32.00;
   rates_ata_toUS_mon[0][2]=33.00; rates_ata_toUS_mon[0][3]=34.00;
   rates_ata_toUS_mon[0][4]=39.00;
   rates_ata_toUS_mon[1][0]=44.00; rates_ata_toUS_mon[1][1]=52.00;
   rates_ata_toUS_mon[1][2]=53.00; rates_ata_toUS_mon[1][3]=54.00;
   rates_ata_toUS_mon[1][4]=56.00;
   rates_ata_toUS_mon[2][0]=48.00; rates_ata_toUS_mon[2][1]=56.00;
   rates_ata_toUS_mon[2][2]=62.00; rates_ata_toUS_mon[2][3]=64.00;
   rates_ata_toUS_mon[2][4]=75.00;
   rates_ata_toUS_mon[3][0]=62.00; rates_ata_toUS_mon[3][1]=74.00;
   rates_ata_toUS_mon[3][2]=81.00; rates_ata_toUS_mon[3][3]=84.00;
   rates_ata_toUS_mon[3][4]=97.00;
   rates_ata_toUS_mon[4][0]=94.00; rates_ata_toUS_mon[4][1]=106.00;
   rates_ata_toUS_mon[4][2]=118.00; rates_ata_toUS_mon[4][3]=126.00;
   rates_ata_toUS_mon[4][4]=142.00;
   rates_ata_toUS_mon[5][0]=134.00; rates_ata_toUS_mon[5][1]=164.00;
   rates_ata_toUS_mon[5][2]=174.00; rates_ata_toUS_mon[5][3]=178.00;
   rates_ata_toUS_mon[5][4]=205.00;
   rates_ata_toUS_mon[6][0]=158.00; rates_ata_toUS_mon[6][1]=216.00;
   rates_ata_toUS_mon[6][2]=229.00; rates_ata_toUS_mon[6][3]=230.00;
   rates_ata_toUS_mon[6][4]=256.00;
   rates_ata_toUS_mon[7][0]=200.00; rates_ata_toUS_mon[7][1]=250.00;
   rates_ata_toUS_mon[7][2]=277.00; rates_ata_toUS_mon[7][3]=278.00;
   rates_ata_toUS_mon[7][4]=300.00;
   rates_ata_toUS_mon[8][0]=254.00; rates_ata_toUS_mon[8][1]=-1.00;
   rates_ata_toUS_mon[8][2]=-1.00; rates_ata_toUS_mon[8][3]=-1.00;
   rates_ata_toUS_mon[8][4]=-1.00;
   rates_ata_toUS_mon[9][0]=500.00; rates_ata_toUS_mon[9][1]=-1.00;
   rates_ata_toUS_mon[9][2]=-1.00; rates_ata_toUS_mon[9][3]=-1.00;
   rates_ata_toUS_mon[9][4]=-1.00;
   //document.write("Done populating rates_ata_toUS_mon<br>");

   // Populate Atlas to US daily Table   $250 ded.
   //document.write("Populating rates_li_toUS_daily Table");
   rates_ata_toUS_daily[0][0]=0.90; rates_ata_toUS_daily[0][1]=1.10;
   rates_ata_toUS_daily[0][2]=1.10; rates_ata_toUS_daily[0][3]=1.10;
   rates_ata_toUS_daily[0][4]=1.30;
   rates_ata_toUS_daily[1][0]=1.50; rates_ata_toUS_daily[1][1]=1.70;
   rates_ata_toUS_daily[1][2]=1.80; rates_ata_toUS_daily[1][3]=1.80;
   rates_ata_toUS_daily[1][4]=2.20;
   rates_ata_toUS_daily[2][0]=1.60; rates_ata_toUS_daily[2][1]=1.90;
   rates_ata_toUS_daily[2][2]=2.00; rates_ata_toUS_daily[2][3]=2.10;
   rates_ata_toUS_daily[2][4]=2.50;
   rates_ata_toUS_daily[3][0]=2.10; rates_ata_toUS_daily[3][1]=2.50;
   rates_ata_toUS_daily[3][2]=2.70; rates_ata_toUS_daily[3][3]=2.80;
   rates_ata_toUS_daily[3][4]=3.20;
   rates_ata_toUS_daily[4][0]=3.10; rates_ata_toUS_daily[4][1]=3.50;
   rates_ata_toUS_daily[4][2]=3.90; rates_ata_toUS_daily[4][3]=4.20;
   rates_ata_toUS_daily[4][4]=4.70;
   rates_ata_toUS_daily[5][0]=4.50; rates_ata_toUS_daily[5][1]=5.50;
   rates_ata_toUS_daily[5][2]=5.80; rates_ata_toUS_daily[5][3]=5.90;
   rates_ata_toUS_daily[5][4]=6.80;
   rates_ata_toUS_daily[6][0]=5.30; rates_ata_toUS_daily[6][1]=7.20;
   rates_ata_toUS_daily[6][2]=7.60; rates_ata_toUS_daily[6][3]=7.70;
   rates_ata_toUS_daily[6][4]=8.50;
   rates_ata_toUS_daily[7][0]=6.70; rates_ata_toUS_daily[7][1]=8.30;
   rates_ata_toUS_daily[7][2]=9.20; rates_ata_toUS_daily[7][3]=9.30;
   rates_ata_toUS_daily[7][4]=10.00;
   rates_ata_toUS_daily[8][0]=8.50; rates_ata_toUS_daily[8][1]=-1.00;
   rates_ata_toUS_daily[8][2]=-1.00; rates_ata_toUS_daily[8][3]=-1.00;
   rates_ata_toUS_daily[8][4]=-1.00;
   rates_ata_toUS_daily[9][0]=16.70; rates_ata_toUS_daily[9][1]=-1.00;
   rates_ata_toUS_daily[9][2]=-1.00; rates_ata_toUS_daily[9][3]=-1.00;
   rates_ata_toUS_daily[9][4]=-1.00;
   //document.write("Done populating rates_ata_toUS_daily<br>");


   //  Populate IMG Outreach America $250 ded. monthly
   //document.write("Populating rates_outa_outUS_mon Table");
   rates_outa_outUS_mon[0][0]=28.00; rates_outa_outUS_mon[0][1]=32.00;
   rates_outa_outUS_mon[0][2]=40.00; rates_outa_outUS_mon[0][3]=44.00;
   rates_outa_outUS_mon[1][0]=44.00; rates_outa_outUS_mon[1][1]=52.00;
   rates_outa_outUS_mon[1][2]=66.00; rates_outa_outUS_mon[1][3]=74.00;
   rates_outa_outUS_mon[2][0]=48.00; rates_outa_outUS_mon[2][1]=56.00;
   rates_outa_outUS_mon[2][2]=72.00; rates_outa_outUS_mon[2][3]=84.00;
   rates_outa_outUS_mon[3][0]=62.00; rates_outa_outUS_mon[3][1]=74.00;
   rates_outa_outUS_mon[3][2]=94.00; rates_outa_outUS_mon[3][3]=108.00;
   rates_outa_outUS_mon[4][0]=94.00; rates_outa_outUS_mon[4][1]=106.00;
   rates_outa_outUS_mon[4][2]=140.00; rates_outa_outUS_mon[4][3]=158.00;
   rates_outa_outUS_mon[5][0]=134.00; rates_outa_outUS_mon[5][1]=164.00;
   rates_outa_outUS_mon[5][2]=198.00; rates_outa_outUS_mon[5][3]=228.00;
   rates_outa_outUS_mon[6][0]=158.00; rates_outa_outUS_mon[6][1]=194.00;
   rates_outa_outUS_mon[6][2]=230.00; rates_outa_outUS_mon[6][3]=276.00;
   rates_outa_outUS_mon[7][0]=180.00; rates_outa_outUS_mon[7][1]=232.00;
   rates_outa_outUS_mon[7][2]=252.00; rates_outa_outUS_mon[7][3]=300.00;
   rates_outa_outUS_mon[8][0]=244.00; rates_outa_outUS_mon[8][1]=-1.00;
   rates_outa_outUS_mon[8][2]=-1.00; rates_outa_outUS_mon[8][3]=-1.00;
   rates_outa_outUS_mon[9][0]=424.00; rates_outa_outUS_mon[9][1]=-1.00;
   rates_outa_outUS_mon[9][2]=-1.00; rates_outa_outUS_mon[9][3]=-1.00;   
   //document.write("Done populating rates_outa_outUS_mon<br>");

   // Populate IMG Outreach America daily Table
   //document.write("Populating rates_outa_outUS_daily Table");
   rates_outa_outUS_daily[0][0]=0.95; rates_outa_outUS_daily[0][1]=1.10;
   rates_outa_outUS_daily[0][2]=1.35; rates_outa_outUS_daily[0][3]=1.50;
   rates_outa_outUS_daily[1][0]=1.50; rates_outa_outUS_daily[1][1]=1.75;
   rates_outa_outUS_daily[1][2]=2.20; rates_outa_outUS_daily[1][3]=2.50;
   rates_outa_outUS_daily[2][0]=1.60; rates_outa_outUS_daily[2][1]=1.90;
   rates_outa_outUS_daily[2][2]=2.40; rates_outa_outUS_daily[2][3]=2.80;
   rates_outa_outUS_daily[3][0]=2.10; rates_outa_outUS_daily[3][1]=2.50;
   rates_outa_outUS_daily[3][2]=3.15; rates_outa_outUS_daily[3][3]=3.60;
   rates_outa_outUS_daily[4][0]=3.15; rates_outa_outUS_daily[4][1]=3.55;
   rates_outa_outUS_daily[4][2]=4.70; rates_outa_outUS_daily[4][3]=5.30;
   rates_outa_outUS_daily[5][0]=4.50; rates_outa_outUS_daily[5][1]=5.50;
   rates_outa_outUS_daily[5][2]=6.60; rates_outa_outUS_daily[5][3]=7.60;
   rates_outa_outUS_daily[6][0]=5.30; rates_outa_outUS_daily[6][1]=6.50;
   rates_outa_outUS_daily[6][2]=7.70; rates_outa_outUS_daily[6][3]=9.20;
   rates_outa_outUS_daily[7][0]=6.00; rates_outa_outUS_daily[7][1]=7.75;
   rates_outa_outUS_daily[7][2]=8.40; rates_outa_outUS_daily[7][3]=10.00;
   rates_outa_outUS_daily[8][0]=8.15; rates_outa_outUS_daily[8][1]=-1.00;
   rates_outa_outUS_daily[8][2]=-1.00; rates_outa_outUS_daily[8][3]=-1.00;
   rates_outa_outUS_daily[9][0]=14.15; rates_outa_outUS_daily[9][1]=-1.00;
   rates_outa_outUS_daily[9][2]=-1.00; rates_outa_outUS_daily[9][3]=-1.00;   
   //document.write("Done populating rates_outa_outUS_daily<br>");


   // Populate IMG Outreach International monthly table  $250 ded.
   //document.write("Populating rates_outi_outUS_mon Tables");
   rates_outi_outUS_mon[0][0]=20.00; rates_outi_outUS_mon[0][1]=26.00;
   rates_outi_outUS_mon[0][2]=30.00; rates_outi_outUS_mon[0][3]=32.00;
   rates_outi_outUS_mon[0][4]=38.00;
   rates_outi_outUS_mon[1][0]=36.00; rates_outi_outUS_mon[1][1]=40.00;
   rates_outi_outUS_mon[1][2]=46.00; rates_outi_outUS_mon[1][3]=50.00;
   rates_outi_outUS_mon[1][4]=58.00;
   rates_outi_outUS_mon[2][0]=36.00; rates_outi_outUS_mon[2][1]=42.00;
   rates_outi_outUS_mon[2][2]=48.00; rates_outi_outUS_mon[2][3]=54.00;
   rates_outi_outUS_mon[2][4]=60.00;
   rates_outi_outUS_mon[3][0]=42.00; rates_outi_outUS_mon[3][1]=48.00;
   rates_outi_outUS_mon[3][2]=64.00; rates_outi_outUS_mon[3][3]=70.00;
   rates_outi_outUS_mon[3][4]=80.00;
   rates_outi_outUS_mon[4][0]=66.00; rates_outi_outUS_mon[4][1]=74.00;
   rates_outi_outUS_mon[4][2]=82.00; rates_outi_outUS_mon[4][3]=90.00;
   rates_outi_outUS_mon[4][4]=110.00;
   rates_outi_outUS_mon[5][0]=106.00; rates_outi_outUS_mon[5][1]=122.00;
   rates_outi_outUS_mon[5][2]=136.00; rates_outi_outUS_mon[5][3]=152.00;
   rates_outi_outUS_mon[5][4]=170.00;
   rates_outi_outUS_mon[6][0]=122.00; rates_outi_outUS_mon[6][1]=144.00;
   rates_outi_outUS_mon[6][2]=170.00; rates_outi_outUS_mon[6][3]=200.00;
   rates_outi_outUS_mon[6][4]=224.00;
   rates_outi_outUS_mon[7][0]=144.00; rates_outi_outUS_mon[7][1]=154.00;
   rates_outi_outUS_mon[7][2]=176.00; rates_outi_outUS_mon[7][3]=210.00;
   rates_outi_outUS_mon[7][4]=270.00;
   rates_outi_outUS_mon[8][0]=210.00; rates_outi_outUS_mon[8][1]=-1.00;
   rates_outi_outUS_mon[8][2]=-1.00; rates_outi_outUS_mon[8][3]=-1.00;
   rates_outi_outUS_mon[8][4]=-1.00;
   rates_outi_outUS_mon[9][0]=420.00; rates_outi_outUS_mon[9][1]=-1.00;
   rates_outi_outUS_mon[9][2]=-1.00; rates_outi_outUS_mon[9][3]=-1.00;
   rates_outi_outUS_mon[9][4]=-1.00;
   //document.write("Done populating rates_outi_outUS_mon<br>");

   // Populate IMG Outreach International  daily Table   $250 ded.
   //document.write("Populating rates_li_outUS_daily Table");
   rates_outi_outUS_daily[0][0]=0.70; rates_outi_outUS_daily[0][1]=0.90;
   rates_outi_outUS_daily[0][2]=1.00; rates_outi_outUS_daily[0][3]=1.10;
   rates_outi_outUS_daily[0][4]=1.30;
   rates_outi_outUS_daily[1][0]=1.20; rates_outi_outUS_daily[1][1]=1.35;
   rates_outi_outUS_daily[1][2]=1.55; rates_outi_outUS_daily[1][3]=1.70;
   rates_outi_outUS_daily[1][4]=1.95;
   rates_outi_outUS_daily[2][0]=1.20; rates_outi_outUS_daily[2][1]=1.40;
   rates_outi_outUS_daily[2][2]=1.60; rates_outi_outUS_daily[2][3]=1.80;
   rates_outi_outUS_daily[2][4]=2.00;
   rates_outi_outUS_daily[3][0]=1.40; rates_outi_outUS_daily[3][1]=1.60;
   rates_outi_outUS_daily[3][2]=2.15; rates_outi_outUS_daily[3][3]=2.35;
   rates_outi_outUS_daily[3][4]=2.70;
   rates_outi_outUS_daily[4][0]=2.20; rates_outi_outUS_daily[4][1]=2.50;
   rates_outi_outUS_daily[4][2]=2.75; rates_outi_outUS_daily[4][3]=3.00;
   rates_outi_outUS_daily[4][4]=3.70;
   rates_outi_outUS_daily[5][0]=3.55; rates_outi_outUS_daily[5][1]=4.10;
   rates_outi_outUS_daily[5][2]=4.55; rates_outi_outUS_daily[5][3]=5.10;
   rates_outi_outUS_daily[5][4]=5.70;
   rates_outi_outUS_daily[6][0]=4.10; rates_outi_outUS_daily[6][1]=4.80;
   rates_outi_outUS_daily[6][2]=5.70; rates_outi_outUS_daily[6][3]=6.70;
   rates_outi_outUS_daily[6][4]=7.50;
   rates_outi_outUS_daily[7][0]=4.80; rates_outi_outUS_daily[7][1]=5.15;
   rates_outi_outUS_daily[7][2]=5.90; rates_outi_outUS_daily[7][3]=7.00;
   rates_outi_outUS_daily[7][4]=9.00;
   rates_outi_outUS_daily[8][0]=7.00; rates_outi_outUS_daily[8][1]=-1.00;
   rates_outi_outUS_daily[8][2]=-1.00; rates_outi_outUS_daily[8][3]=-1.00;
   rates_outi_outUS_daily[8][4]=-1.00;
   rates_outi_outUS_daily[9][0]=14.00; rates_outi_outUS_daily[9][1]=-1.00;
   rates_outi_outUS_daily[9][2]=-1.00; rates_outi_outUS_daily[9][3]=-1.00;
   rates_outi_outUS_daily[9][4]=-1.00;
   //document.write("Done populating rates_outi_outUS_daily<br>");
}


function RComp(LForm, change) {
   months = parseInt(LForm.months.value);
   days = parseInt(LForm.days.value);
   your_age = LForm.age.value;
   spouse_age = LForm.spouse_age.value;
   children = parseInt(LForm.num_child.value);


   // find out which row of the table for insured
   if(your_age=="0-18") {
      row_li=1;
   }
   else if(your_age=="19-29") {
      row_li=2;
   }
   else if(your_age=="30-39") {
      row_li=3;
   }
   else if(your_age=="40-49") {
      row_li=4;
   }
   else if(your_age=="50-59") {
      row_li=5;
   }
   else if(your_age=="60-64") {
      row_li=6;
   }
   else if(your_age=="65-69") {
      row_li=7;
   }
   else if(your_age=="70-79") {
      row_li=8;
   }
   else {  
      row_li=9;
   }
   row_outa = row_li;
   row_outi = row_li;
   row_ati = row_li;
   row_ata = row_li;

   // find out which row of the table for spouse
   if(spouse_age != "na") {
      if(spouse_age=="0-18") {
         spouse_row_li=1;
      }
      else if(spouse_age=="19-29") {
         spouse_row_li=2;
      }
      else if(spouse_age=="30-39") {
         spouse_row_li=3;
      }
      else if(spouse_age=="40-49") {
         spouse_row_li=4;
      }
      else if(spouse_age=="50-59") {
         spouse_row_li=5;
      }
      else if(spouse_age=="60-64") {
         spouse_row_li=6;
      }
      else if(spouse_age=="65-69") {
         spouse_row_li=7;
      }
      else if(spouse_age=="70-79") {
         spouse_row_li=8;
      }
      else {
         spouse_row_li=9;
      }
	spouse_row_outa = spouse_row_li;
	spouse_row_outi = spouse_row_li;
	spouse_row_ata = spouse_row_li;
      spouse_row_ati = spouse_row_li;
   }

   if(months=="0" && days=="0") {
      LForm.li_premium.value=("0.00");
      LForm.ati_premium.value=("0.00");
      LForm.ata_premium.value=("0.00");
      LForm.outa_premium.value=("0.00");
      LForm.outi_premium.value=("0.00");
      return;
   }
   if(your_age=="na") {
      LForm.li_premium.value=("0.00");
      LForm.ati_premium.value=("0.00");
      LForm.ata_premium.value=("0.00");
      LForm.outa_premium.value=("0.00");
      LForm.outi_premium.value=("0.00");
      return;
   }

   RComp_li(LForm, change);
   RComp_ati(LForm, change);
   RComp_ata(LForm, change);
   RComp_outa(LForm, change);
   RComp_outi(LForm, change);

   return;
}

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

// Compute rate for Liaison International
function RComp_li(LForm, change) {
   coverage_li = LForm.coverage_li.value;
   deductible_li = LForm.deductible_li.value;
	if (LForm.sports_li[0].checked == 1) {
		sports_li = LForm.sports_li[0].value;
	}
	else {
		sports_li = LForm.sports_li[1].value;
	}
      //LForm.answer.value = sports_li;

   // Display available coverage options for the specific age group
   if(change == "age" || change == "spouse_age") {
      if(your_age=="80+" || spouse_age=="80+") {
         LForm.coverage_li.options.length = 1;
         LForm.coverage_li.options[0] = new Option("$15,000", "50000");
      }
      else if(your_age=="70-79" || spouse_age=="70-79") {
         LForm.coverage_li.options.length = 1;
         LForm.coverage_li.options[0] = new Option("$50,000", "50000");
      }
      else {
         LForm.coverage_li.options.length = 4;
         LForm.coverage_li.options[0] = new Option("$50,000", "50000");
         LForm.coverage_li.options[1] = new Option("$100,000", "100000");
         LForm.coverage_li.options[2] = new Option("$500,000", "500000");
         LForm.coverage_li.options[3] = new Option("$1,000,000", "1000000");
      }
      coverage_li = "50000";
   }

   // find out which col of the table
   if(coverage_li=="50000") {
      col_li=0;
   }
   else if(coverage_li=="100000") {
      col_li=1;
   }
   else if(coverage_li=="500000") {
      col_li=2;
   }
   else {
      col_li=3;
   }

   // Add insured's based premium
   premium_li = rates_li_outUS_mon[row_li][col_li]*months + rates_li_outUS_daily[row_li][col_li]*days;

   //LForm.li_premium.value = ("" + row_li " " + col_li);
   //return;

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

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

   // Apply deductible factors
   // 0: 1.3x  100: 1.1x  250: 1x  500: 0.9x  1000: 0.8x  2000: 0.7x
   if(deductible_li == "0") {
      premium_li = premium_li * 1.3;
   }
   else if(deductible_li == "100") {
      premium_li = premium_li * 1.1;
   }
   else if(deductible_li == "500") {
      premium_li = premium_li * 0.9;
   }
   else if(deductible_li == "1000") {
      premium_li = premium_li * 0.8;
   }
   else if(deductible_li == "2500") {
      premium_li = premium_li * 0.7;
   }

   // Apply Sports Rider factor for Liason = 1.15x
	if (sports_li == "Yes") {
		premium_li = premium_li * 1.15;
	}

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

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

// Compute rate for Atlas International

function RComp_ati(LForm, change) {
   coverage_ati = LForm.coverage_ati.value;
   deductible_ati = LForm.deductible_ati.value;
	if (LForm.sports_ati[0].checked == 1) {
		sports_ati = LForm.sports_ati[0].value;
	}
	else {
		sports_ati = LForm.sports_ati[1].value;
	}
//   home_ati = LForm.incidentalhome_ati.value;

   // Display available coverage options for the specific age group
   if(change == "age" || change == "spouse_age") {
      if(your_age=="80+" || spouse_age=="80+") {
         LForm.coverage_ati.options.length = 1;
         LForm.coverage_ati.options[0] = new Option("$10,000", "50000");
      }
      else if(your_age=="70-79" || spouse_age=="70-79") {
         LForm.coverage_ati.options.length = 1;
         LForm.coverage_ati.options[0] = new Option("$50,000", "50000");
      }
      else {
         LForm.coverage_ati.options.length = 5;
         LForm.coverage_ati.options[0] = new Option("$50,000", "50000");
         LForm.coverage_ati.options[1] = new Option("$100,000", "100000");
         LForm.coverage_ati.options[2] = new Option("$250,000", "250000");
         LForm.coverage_ati.options[3] = new Option("$500,000", "500000");
         LForm.coverage_ati.options[4] = new Option("$1,000,000", "1000000");
      }
      coverage_ati = "50000";
   }


   // find out which col of the table
   if(coverage_ati == "50000") {
      col_ati=0;
   }
   else if(coverage_ati == "100000") {
      col_ati=1;
   }
   else if(coverage_ati == "250000") {
      col_ati=2;
   }
   else if(coverage_ati=="500000") {
      col_ati=3;
   }
   else {
      col_ati=4;
   }

   // Add insured's based premium
   premium_ati = rates_ati_outUS_mon[row_ati][col_ati]*months + rates_ati_outUS_daily[row_ati][col_ati]*days;

   //LForm.ati_premium.value = premium_ati;
   //return;

   // Add spouse's based premium if applicable
   if(spouse_age != "na") {
      premium_ati += rates_ati_outUS_mon[spouse_row_ati][col_ati]*months + rates_ati_outUS_daily[spouse_row_ati][col_ati]*days;
   }

   // Add the children's premium if applicable
   if (children > 0) {
      premium_ati += (rates_ati_outUS_mon[0][col_ati]*months + rates_ati_outUS_daily[0][col_ati]*days) * children;
   }

   // Apply deductible factors
   // 0: 1.5x  100: 1.1x  250: 1x  500: 0.9x  1000: 0.8x  2000: 0.7x
   if(deductible_ati == "0") {
      premium_ati = premium_ati * 1.5;
   }  
   else if(deductible_ati == "100") {
      premium_ati = premium_ati * 1.1;
   }  
   else if(deductible_ati == "500") {
      premium_ati = premium_ati * 0.9;
   }  
   else if(deductible_ati == "1000") {
      premium_ati = premium_ati * 0.8;
   }
   else if(deductible_ati == "2500") {
      premium_ati = premium_ati * 0.7;
   }

   // Apply Sports Rider factor for Atlas = 1.20x
	if (sports_ati == "Yes") {
		premium_ati = premium_ati * 1.20;
	}

   LForm.ati_premium.value = Format_premium("" + premium_ati);
   return;
}

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

// Compute rate for Atlas USA

function RComp_ata(LForm, change) {
   coverage_ata = LForm.coverage_ata.value;
   deductible_ata = LForm.deductible_ata.value;
	if (LForm.sports_ata[0].checked == 1) {
		sports_ata = LForm.sports_ata[0].value;
	}
	else {
		sports_ata = LForm.sports_ata[1].value;
	}
// home_ata = LForm.incidentalhome_ata.value;

   // Display available coverage options for the specific age group
   if(change == "age" || change == "spouse_age") {
      if(your_age=="80+" || spouse_age=="80+") {
         LForm.coverage_ata.options.length = 1;
         LForm.coverage_ata.options[0] = new Option("$10,000", "50000");
      }
      else if(your_age=="70-79" || spouse_age=="70-79") {
         LForm.coverage_ata.options.length = 1;
         LForm.coverage_ata.options[0] = new Option("$50,000", "50000");
      }
      else {
         LForm.coverage_ata.options.length = 5;
         LForm.coverage_ata.options[0] = new Option("$50,000", "50000");
         LForm.coverage_ata.options[1] = new Option("$100,000", "100000");
         LForm.coverage_ata.options[2] = new Option("$250,000", "250000");
         LForm.coverage_ata.options[3] = new Option("$500,000", "500000");
         LForm.coverage_ata.options[4] = new Option("$1,000,000", "1000000");
      }
      coverage_ata = "50000";
   }


   // find out which col of the table
   if(coverage_ata == "50000") {
      col_ata=0;
   }
   else if(coverage_ata == "100000") {
      col_ata=1;
   }
   else if(coverage_ata == "250000") {
      col_ata=2;
   }
   else if(coverage_ata=="500000") {
      col_ata=3;
   }
   else {
      col_ata=4;
   }

   // Add insured's based premium
   premium_ata = rates_ata_toUS_mon[row_ata][col_ata]*months + rates_ata_toUS_daily[row_ata][col_ata]*days;

   //LForm.ata_premium.value = premium_ata;
   //return;

   // Add spouse's based premium if applicable
   if(spouse_age != "na") {
      premium_ata += rates_ata_toUS_mon[spouse_row_ata][col_ata]*months + rates_ata_toUS_daily[spouse_row_ata][col_ata]*days;
   }

   // Add the children's premium if applicable
   if (children > 0) {
      premium_ata += (rates_ata_toUS_mon[0][col_ata]*months + rates_ata_toUS_daily[0][col_ata]*days) * children;
   }

   // Apply deductible factors
   // 0: 1.5x  100: 1.1x  250: 1x  500: 0.9x  1000: 0.8x  2000: 0.7x
   if(deductible_ata == "0") {
      premium_ata = premium_ata * 1.5;
   }  
   else if(deductible_ata == "100") {
      premium_ata = premium_ata * 1.1;
   }  
   else if(deductible_ata == "500") {
      premium_ata = premium_ata * 0.9;
   }  
   else if(deductible_ata == "1000") {
      premium_ata = premium_ata * 0.8;
   }
   else if(deductible_ata == "2500") {
      premium_ata = premium_ata * 0.7;
   }

   // Apply Sports Rider factor for Atlas = 1.20x
	if (sports_ata == "Yes") {
		premium_ata = premium_ata * 1.20;
	}

   LForm.ata_premium.value = Format_premium("" + premium_ata);
   return;
}

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

// Compute rate for IMG Outreach America
function RComp_outa(LForm, change) {
   coverage_outa = LForm.coverage_outa.value;
   deductible_outa = LForm.deductible_outa.value;
	if (LForm.sports_outa[0].checked == 1) {
		sports_outa = LForm.sports_outa[0].value;
	}
	else {
		sports_outa = LForm.sports_outa[1].value;
	}
      //LForm.answer.value = sports_outa;

   // Display available coverage options for the specific age group
   if(change == "age" || change == "spouse_age") {
      if(your_age=="80+" || spouse_age=="80+") {
         LForm.coverage_outa.options.length = 1;
         LForm.coverage_outa.options[0] = new Option("$10,000", "50000");
      }
      else if(your_age=="70-79" || spouse_age=="70-79") {
         LForm.coverage_outa.options.length = 1;
         LForm.coverage_outa.options[0] = new Option("$50,000", "50000");
      }
      else {
         LForm.coverage_outa.options.length = 4;
         LForm.coverage_outa.options[0] = new Option("$50,000", "50000");
         LForm.coverage_outa.options[1] = new Option("$100,000", "100000");
         LForm.coverage_outa.options[2] = new Option("$500,000", "500000");
         LForm.coverage_outa.options[3] = new Option("$1,000,000", "1000000");
      }
      coverage_outa = "50000";
   }

   // find out which col of the table
   if(coverage_outa=="50000") {
      col_outa=0;
   }
   else if(coverage_outa=="100000") {
      col_outa=1;
   }
   else if(coverage_outa=="500000") {
      col_outa=2;
   }
   else {
      col_outa=3;
   }

   // Add insured's based premium
   premium_outa = rates_outa_outUS_mon[row_outa][col_outa]*months + rates_outa_outUS_daily[row_outa][col_outa]*days;

   //LForm.outa_premium.value = ("" + row_outa " " + col_outa);
   //return;

   // Add spouse's based premium if applicable
   if(spouse_age != "na") {
      premium_outa += rates_outa_outUS_mon[spouse_row_outa][col_outa]*months + rates_outa_outUS_daily[spouse_row_outa][col_outa]*days;
   }

   // Add the children's premium if applicable
   if (children > 0) {
      premium_outa += (rates_outa_outUS_mon[0][col_outa]*months + rates_outa_outUS_daily[0][col_outa]*days) * children;
   }

   // Apply deductible factors
   // 100: 1.1x  250: 1x  500: 0.9x  1000: 0.8x  2000: 0.7x
   if(deductible_outa == "100") {
      premium_outa = premium_outa * 1.1;
   }
   else if(deductible_outa == "500") {
      premium_outa = premium_outa * 0.9;
   }
   else if(deductible_outa == "1000") {
      premium_outa = premium_outa * 0.8;
   }
   else if(deductible_outa == "2500") {
      premium_outa = premium_outa * 0.7;
   }

   // Apply Sports Rider factor for Outreach America = 1.20x
	if (sports_outa == "Yes") {
		premium_outa = premium_outa * 1.20;
	}

   LForm.outa_premium.value = Format_premium("" + premium_outa);
   return;
}

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

// Compute rate for IMG Outreach International

function RComp_outi(LForm, change) {
   coverage_outi = LForm.coverage_outi.value;
   deductible_outi = LForm.deductible_outi.value;
	if (LForm.sports_outi[0].checked == 1) {
		sports_outi = LForm.sports_outi[0].value;
	}
	else {
		sports_outi = LForm.sports_outi[1].value;
	}

   // Display available coverage options for the specific age group
   if(change == "age" || change == "spouse_age") {
      if(your_age=="80+" || spouse_age=="80+") {
         LForm.coverage_outi.options.length = 1;
         LForm.coverage_outi.options[0] = new Option("$10,000", "50000");
      }
      else if(your_age=="70-79" || spouse_age=="70-79") {
         LForm.coverage_outi.options.length = 1;
         LForm.coverage_outi.options[0] = new Option("$50,000", "50000");
      }
      else {
         LForm.coverage_outi.options.length = 5;
         LForm.coverage_outi.options[0] = new Option("$50,000", "50000");
         LForm.coverage_outi.options[1] = new Option("$100,000", "100000");
         LForm.coverage_outi.options[2] = new Option("$500,000", "500000");
         LForm.coverage_outi.options[3] = new Option("$1,000,000", "1000000");
         LForm.coverage_outi.options[4] = new Option("$2,000,000", "2000000");
      }
      coverage_outi = "50000";
   }


   // find out which col of the table
   if(coverage_outi == "50000") {
      col_outi=0;
   }
   else if(coverage_outi == "100000") {
      col_outi=1;
   }
   else if(coverage_outi == "500000") {
      col_outi=2;
   }
   else if(coverage_outi== "1000000") {
      col_outi=3;
   }
   else {
      col_outi=4;
   }

   // Add insured's based premium
   premium_outi = rates_outi_outUS_mon[row_outi][col_outi]*months + rates_outi_outUS_daily[row_outi][col_outi]*days;

   //LForm.outi_premium.value = premium_outi;
   //return;

   // Add spouse's based premium if applicable
   if(spouse_age != "na") {
      premium_outi += rates_outi_outUS_mon[spouse_row_outi][col_outi]*months + rates_outi_outUS_daily[spouse_row_outi][col_outi]*days;
   }

   // Add the children's premium if applicable
   if (children > 0) {
      premium_outi += (rates_outi_outUS_mon[0][col_outi]*months + rates_outi_outUS_daily[0][col_outi]*days) * children;
   }

   // Apply deductible factors
   // 100: 1.1x  250: 1x  500: 0.9x  1000: 0.8x  2000: 0.7x
   if(deductible_outi == "100") {
      premium_outi = premium_outi * 1.1;
   }  
   else if(deductible_outi == "500") {
      premium_outi = premium_outi * 0.9;
   }  
   else if(deductible_outi == "1000") {
      premium_outi = premium_outi * 0.8;
   }
   else if(deductible_outi == "2500") {
      premium_outi = premium_outi * 0.7;
   }

   // Apply Sports Rider factor for Atlas = 1.20x
	if (sports_outi == "Yes") {
		premium_outi = premium_outi * 1.20;
	}

   LForm.outi_premium.value = Format_premium("" + premium_outi);
   return;
}