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EXHIBIT 6.5
FORM OF GROUP VARIABLE ANNUITY CONTRACT
FOR HR-10 PLANS, FORM TA-VAH-TP
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American United Life
INSURANCE COMPANY
GROUP POOLED EQUITY FUND B CONTRACT NO.
CONTRACT HOLDER
CONTRACT DATE
American United Life Insurance Company ("Company") agrees to make the payments
provided by this contract.
This contract is issued in consideration of the application for this contract
and of the payment to the Company of Contributions as provided in this contract.
This contract provides for investment in Pooled Equity Fund B, and supplements
Group Annuity Contract which provides for fixed-dollar benefits and which shall
hereinafter be referred to as the "Companion Contract".
The provisions and tables on the following pages are part of this contract.
This contract is delivered in
Signed at the Home Office of the Company on the Contract Date.
AMERICAN UNITED LIFE INSURANCE COMPANY
By /s/ Xxxx Xxxxx
--------------------------------------
President
By: /s/ J. Xxxxxx Xxxxxxxx
--------------------------------------
Secretary
Group Annuity Contract
Equity Fund - Variable Annuities
Participating
ALL PAYMENTS AND VALUES PROVIDED BY THIS CONTRACT ARE VARIABLE AS HEREIN
PROVIDED AND ARE NOT GUARANTEED AS TO DOLLAR AMOUNT.
TA-VAH;TP
TABLE OF CONTENTS
ARTICLE I DEFINITIONS
Section 1 ----- Definitions
ARTICLE II PARTICIPANTS
Section 1 ----- Active Participant
Section 2 ----- Inactive Participant
Section 3 ----- Cessation of Participation
ARTICLE III CONTRIBUTIONS TO THE COMPANY
Section 1 ----- Employer Contributions
Section 2 ----- Participant Voluntary Contributions
Section 3 ----- Payment of Contributions
Section 4 ----- Transferred Contributions
Section 5 ----- Application of Contributions
Section 6 ----- Credit of Accumulation Units
Section 7 ----- Grace Period
Section 3 ----- Cessation of Contributions
ARTICLE IV VALUATION
Section 1 ----- Gross Investment Rate and Net Investment Rate
Section 2 ----- Net Investment Factor
Section 3 ----- Accumulation Unit Value
Section 4 ----- Annuity Unit Value
ARTICLE V BENEFITS
Section 1 ----- Variable Retirement Annuity
Section 2 ----- Optional Variable Annuity Settlements
Section 3 ----- Amount of Variable Retirement Annuity
Section 4 ----- Transfer Option
Section 5 ----- Termination Benefits
Section 6 ----- Death Benefits
Section 7 ----- Withdrawal Benefits
TA-VAH;TC
TABLE OF CONTENTS (Continued)
ARTICLE VI GENERAL PROVISIONS
Section l ----- Certificates
Section 2 ----- Beneficiary
Section 3 ----- Dividends
Section 4 ----- Contract
Section 5 ----- Waiver and Modification
Section 6 ----- Amendments
Section 7 ----- Not Transferable
Section 8 ----- Misstatements
Section 9 ----- Information, Proofs and Determination of Facts
Section 10 ---- Frequency of Payments
Section 11 ---- Facility of Payment
Section 12 ---- Relation of This Contract to Pooled Equity Fund B
Section 13 ---- Deferment
Section 14 ---- Voting
Section 15 ---- Pronouns
TABLES
TA-VAH-TC(2)
ARTICLE I
DEFINITIONS
SECTION 1--DEFINITIONS. Yearly Date is the Contract Date and the same day of
each year thereafter.
MONTHLY DATE is the Contract Date and the same day of each month thereafter.
CONTRACT YEAR is a period of one year beginning on a Yearly Date.
Trust is the ___________________ as in effect on the date this contract is
executed by the Company and on file with the Company and as amended from time to
time by Amendment filed by the Contractholder at the Home Office of the Company.
PARTICIPATING EMPLOYER is an Employer as defined in the Trust.
PARTICIPANT is as set out in Article II.
POOLED EQUITY FUND B is that segregated investment Account entitled "American
United Life Pooled Equity Fund B" which has been established by the Company for
this and other variable annuity contracts sold by the Company which are fundable
and computable as to payments or benefits on the basis of experience factors of
such account, the assets of which are set aside by the Company from
contributions received under such contracts.
VALUATION PERIOD is that period beginning immediately after a valuation of
Pooled Equity Fund B and ending with the next valuation of Pooled Equity Fund B.
Valuations shall occur as of the close of trading on the New York Stock Exchange
on each day during which the Exchange is open for trading.
PARTICIPANT'S INDIVIDUAL ACCOUNT is the sum of the accumulation units credited
to such Participant.
NORMAL RETIREMENT DATE for a Participant is defined in the Trust.
ANUITY COMMENCEMENT DATE is the date, for a Participant, on which the first
monthly annuity payment under this contract is payable by the Company.
CONTRIBUTIONS are Employer Contributions and Participant Voluntary Contributions
as set out in Article III.
VARIABLE RETIREMENT ANNUITY is a series of retirement payments under this
contract in amounts which may vary from time to time because of the investment
results of Pooled Equity Fund B.
COMPANION CONTRACT is the Group Annuity Contract issued by the Company to the !
Contractholder which provides for fixed dollar annuity payments which are
guaranteed as to dollar amount throughout the payment period.
TA-VAH;1--1
ARTICLE II
PARTICIPANTS
SECTION 1--ACTIVE PARTICIPANT. An employee of a Participating Employer shall
become an Active Participant on the earliest date on which he meets all of the
requirements set forth in the Trust. A former Participant shall become an Active
Participant only as provided in the Trust.
SECTION 2--INACTIVE PARTICIPANT. An Active Participant shall become an Inactive
Participant on the earliest of the following dates:
(a) The date he no longer meets all of the requirements, set forth in the
Trust, to continue as an Active Participant.
(b) The day following his Annuity Commencement Date.
(c) The effective date of Cessation of Contributions pursuant to Section 6,
Article III.
SECTION 3--CESSATION OF PARTICIPATION. A Participant shall cease to be a
Participant on the date of his death.
TA-VAH;2--1,2,3
ARTICLE III
CONTRIBUTIONS TO THE COMPANY
SECTION 1--EMPLOYER CONTRIBUTIONS. The amount of each Contribution made by a
Participating Employer as to each Participant shall be equal to the amount
allocated to such Participant under the Trust as reported by the Participating
Employer to the Company.
SECTION 2--PARTICIPANT VOLUNTARY CONTRIBUTIONS. An Active Participant who elects
to do so may make voluntary contributions in accordance with the provisions of
the Trust.
SECTION 3--PAYMENT OF CONTRIBUTIONS. All Contributions, except Transferred
Contributions, are payable by the Trustee directly to the Company at its Home
Office in Indianapolis, Indiana.
SECTION 4--TRANSFERRED CONTRIBUTIONS. A Participant may, prior to his Annuity
Commencement Date, by filing written request with the Company at its Home Office
on a form satisfactory to the Company, elect to transfer a portion or all of his
accumulated interest under the Companion Contract to his Participant's
Individual Account under this Contract. The amount so transferred is designated
as a Transferred Contribution.
SECTION 5--APPLICATION OF CONTRIBUTIONS. The Company shall deduct for its sales
and administrative service (provided pursuant to the agreement therefor between
the Company and Pooled Equity Fund B) (i) 6% of each Contribution made for such
Partcipant until Contributions under this Contract plus any contributions made
for such Participant under any other Fund B contract owned by the Contractholder
total $5,000, and (ii) 4% of any Contributions made thereafter for such
Participant. The Company will invest the balance of such Contributions in Pooled
Equity Fund B.
SECTION 6--CREDIT OF ACCUMULATION UNITS. The number of accumulation units
credited to a Participant's Individual Account as a result of investing such
balance shall be determined by dividing such balance by the dollar value of an
accumulation unit next computed following receipt of such Contribution by the
Company at its Home Office. The number of accumulation units so determined shall
not be changed by any subsequent change in the dollar value of accumulation
units.
SECTION 7--GRACE PERIOD. A grace period of thirty-one days will be allowed for
payment of any Contribution prescribed by the Trust.
SECTION 8--CESSATION OF CONTRIBUTIONS. Cessation of Contributions shall occur as
of a Yearly Date with respect to a particular Participating Employer, if an
TA-VAH;3--1,2,3,4,5,6,7,8
amount equal to the aggregate of the Contributions prescribed by the Trust is
not paid to the Company before or within the grace period as to the payment of
such Contributions.
Cessation of Contributions shall also occur on the date any amendment to the
Trust which affects the duties or obligations of the Company is received by the
Company at its Home Office (or the effective date of such amendment, if later)
if the Company gives written notice to the Contractholder within thirty days
after receipt by the Company of such amendment that such amendment is not
acceptable to the Company.
Cessation of Contributions shall also occur with respect to a particular
Participating Employer on any Yearly Date if prior to such Yearly Date such
Participating Employer has given written notice to the Company that cessation is
to be effective as of such Yearly Date.
On and after the effective date of Cessation of Contributions with respect to a
particular Participating Employer, no further employees shall become
Participants, no further Contributions shall be payable, and the Company shall
not be liable for the payment of any benefits other than those provided by the
Contributions previously received.
TA-VAH;3--8(2)
ARTICLE IV
VALUATION
SECTION 1--GROSS INVESTMENT RATE AND NET INVESTMENT RATE. The Gross Investment
rate of Pooled Equity Fund - for each Valuation Period is equal to (i) the
investment income and capital gains and losses for such Valuation Period,
whether realized or unrealized, on the assets of Pooled Equity Fund B less a
deduction for any applicable taxes and less expenses of Pooled Equity Fund B
which are not the contractual liability of the Company divided by (ii) the value
of such assets of Pooled Equity Fund B at the beginning of such Valuation
Period. Such Gross Investment Rate may be either positive or negative. The Net
Investment Rate of Pooled Equity Fund B for any Valuation Period is equal to
such Gross Investment Rate expressed in decimal form to seven places less a
deduction of .0000328 for each Calendar day in the Valuation Period, which
deduction reflects the fee payable to the Company for its mortality risk and
expense guarantees and its investment management services (provided pursuant to
the agreement therefor between the Company and Pooled Equity Fund B.)
SECTION 2--NET INVESTMENT FACTOR. The net investment factor for each Valuation
Period is the sum of 1.0000000 plus the Net Investment Rate for that Valuation
Period.
SECTION 3--ACCUMULATION UNIT VALUE. The value of an accumulation unit was
established at $1.0000000 on April 3, 1969. The value of an accumulation unit at
the end of any specific Valuation Period thereafter is determined by multiplying
such value at the end of the previous Valuation Period by the Net Investment
Factor for that specific Valuation Period.
SECTION 4--ANNUITY UNIT VALUE. The value of an annuity unit was established at
$1.0000000 on April 3, 1969. The value of an annuity unit at the end of any
specific Valuation Period thereafter is determined by multiplying the value of
an annuity unit at the end of the previous Valuation Period by .9999058 for each
calendar day in the specific Valuation Period and by the Net Investment Factor
for the specific Valuation Period.
TA-VAH;4--1,2,3,4
ARTICLE V
BENEFITS
SECTION 1--VARIABLE RETIREMENT ANNUITY. Prior to a Participant's Annuity
Commencement Date, the Participant may file a written request with the Company
at its Home Office on a form satisfactory to the Company to select one of the
Optional Variable Annuity Settlements, and on the date such annuity is to
commence, the Company shall apply all accumulation units then in the
Participant's Individual Account to provide a Variable Retirement Annuity on the
selected settlement. The Company may require evidence satisfactory to it of the
good health of the Participant or contingent annuitant before approving any such
request, unless such request is made within six months of the date on which the
Participating Employer became a Participating Employer under the Trust, or more
than three years prior to the Annuity Commencement Date for such Participant. In
the absence of written notice of election by the Participant given to the
Company at least 30 days prior to the date Variable Retirement Annuity payments
are to begin, the Variable Retirement Annuity will be the ten years Certain and
Life Annuity. The Company reserves the right to require proof satisfactory to it
of the age of any Annuitant and any contingent annuitant prior to making the
first payment under any option.
SECTION 2--OPTIONAL VARIABLE ANNUITY SETTLEMENTS.
Option l -- Life Annuity. An annuity payable monthly during the lifetime of the
Annuitant and terminating with the last monthly payment preceding the death of
the Annuitant.
Option 2 -- Certain and Life Annuity. An annuity payable monthly during the
lifetime of the Annuitant with the guarantee that if, at the death of the
Annuitant, payments have been made for less than a stated certain period, which
may be five, ten, fifteen or twenty years, as elected, annuity payments will be
continued during the remainder of said period to the beneficiary designated by
the Annuitant.
Option 3 -- Survivorship Annuity. An annuity payable monthly during the lifetime
of the Annuitant, and after the death of the Annuitant, 66 2/3% or 100% (as
specified in the election) of such annuity will be paid to the contingent
annuitant named in the election if and so long as such contingent annuitant
lives. An election of this option shall be automatically cancelled if either the
contingent annuitant or Participant dies prior to his Annuity Commencement Date.
Option 4 -- Unit Refund Life Annuity. An annuity payable monthly during the
lifetime of the Annuitant and terminating with the last monthly payment
preceding the death of the Annuitant, provided that, at the death of the
Annuitant, the beneficiary designated by the Annuitant will receive an
additional
TA-VAH;5--1,2
payment of the ten dollar value of the number of annuity units equal to the
excess, if any, of (a) over (b) where (a) is the total amount applied under this
option divided by the annuity unit value at the Annuity Commencement Date and
(b) is the number of annuity units represented by each monthly payment
multiplied by the number of monthly payments made.
Any other option that is mutually agreed upon between the Participant and the
Company will be made available.
Provided, however, in no event shall any option selected provide a Retirement
Annuity to the Participant or to the Participant and his Spouse which will
extend for a period beyond the life expectancy of such Participant or such
Participant and his Spouse as determined on the date the Participant retires.
The first payment under any option will be determined in accordance with Section
3 of this Article.
SECTION 3--AMOUNT OF VARIABLE RETIREMENT ANNUITY. The Tables contained herein
show the dollar amount of the first monthly payment which can be purchased with
$1,000 of value in the Participant's Individual Account, after deduction of any
applicable premium taxes. The value of the Participant's Individual Account will
be computed at the valuation next following the eighteenth day of the month
prior to the Participant's Annuity Commencement Date.
The amount of the first monthly payment shall be divided by the Annuity Unit
Value at the valuation next following the eighteenth day of the month prior to
the Participant's Annuity Commencement Date to determine the number of annuity
unite on which subsequent payments are based. The amount of each monthly
Variable Retirement Annuity payment after the first monthly payment will be
equal to such number of annuity units multiplied by the Annuity Unit Value at
the valuation next following the eighteenth day of the month prior to the month
in which the payment is due.
SECTION 4--TRANSFER OPTION. A Participant may, prior to his Annuity Commencement
Date, by filing written request with the Company at its Home Office on a form
satisfactory to the Company, elect to transfer a portion or all of his
Participant's Individual Account to the Companion Contract. The Company will
transfer the value of such portion of the Participant's Individual Account to
the Participant's Accumulated Deposits under the Companion Contract, at the end
of the Valuation Period in which such request is received or at the end of any
later Valuation Period selected by the Participant.
SECTION 5--TERMINATION BENEFITS. If a Participant terminates employment prior to
his Annuity Commencement Date, subject to any applicable provisions of the
Trust, he may elect to:
(a) Have his Participant's Individual Account applied to provide Variable
Retirement Annuity payments under one of the Optional Variable Annuity
TA-VAH;5--3 4 5
ARTICLE VI
GENERAL PROVISIONS
SECTION 1--CERTIFICATES. The Company shall issue to the Participating Employer
for delivery to each Participant an individual certificate. Such certificate
shall not constitute a part of this contract.
SECTION 2--BENEFICIARY. The beneficiary is as designated on the Company's
records in accordance with the Participant's written request. Any Participant
may change his beneficiary by filing written notice in form satisfactory to the
Company. When the change is recorded by the Company, the change will take effect
as of the date the notice was signed, except that it will not apply to any
action taken by the Company before the notice was received at the Home Office.
If at the death of a Participant there is no living person designated to receive
any remaining payments, the Company will pay in a single sum to such
Participant's estate the present value of any remaining income payments certain
under Option 2, commuted on the basis of interest at the rate used in
determining the amount of the first income payment. The amount of each remaining
income payment certain will be calculated using the annuity unit value on the
date the present value is determined.
SECTION 3--DIVIDENDS. The proportion of the divisible surplus, if any, as
determined by the Company accruing on this Contract shall be ascertained
annually by the Company and shall be apportioned to this Contract on each Yearly
Date, after the Contract Date.
Such dividends shall be allocated by the Company amongst the Participating
Employers. Any such dividend allocated to a Participating Employer shall be
reallocated to the Participants of such Participating Employer in the proportion
that the amount of a Participant's Accumulation Value on such Yearly Date bears
to the sum of the Accumulation Value, on such Yearly Date, for all such
Participants of such Participating Employer. Dividends will be applied to
provide additional accumulation units. The number of accumulation units credited
to a Participant's Individual Account shall be determined by dividing the
dividend reallocated to such Participant by the dollar value of an accumulation
unit computed at the first valuation on or after such Yearly Date.
SECTION 4--CONTRACT. This Contract and the application of the Contractholder, a
copy of which is attached hereto and made a part hereof, shall constitute the
entire contract between the parties. Except to the extent specified in this
Contract, the Company is not a party to nor bound by any trust or plan.
SECTION 5--WAIVER AND MODIFICATION. No agent or other person, except an Officer
of the Company has power on behalf of the Company to modify this Contract,
TA-VAH;6--1,2,3,4,5
TABLE OF BENEFIT OPTION VALUES
Amounts shown in Table I are based upon the 1951 Group Annuity Table, projected
to 1967 by Scale C, with interest at the rate of 3 1/2% per annum. Amounts shown
in Table I are for exact adjusted ages and must be interpolated between ages for
each full month of adjusted age in excess of the exact age. For convenience in
interpolation Table II gives the addition to Table I for each month of adjusted
age in excess of that exact age.
The adjusted age is determined by the following process:
MALES
1. Determine the Participant's age in years and full months on the date
retirement payments are to commence, and
2. Deduct one month for each year his calendar year of birth exceeds 1900AD,
or add one month for each year his calendar year of birth precedes l900AD.
FEMALES
1. Determine the Participant's age in years and full months on the date
retirement payments are to commence, and
2. Deduct five years from such age, and
3. Deduct one month for each year her calendar year of birth exceeds 1900AD,
or add one month for each year her calendar year of birth precedes 1900AD.
All monthly payments will be rounded to the nearest cent with exact one-half
cents rounded up.
Example: A male participant born on June 15, 1903 decides to retire and receive
his first annuity check on January 1, 1968. His exact age on January 1, 1968 is
64 years, 6 months and 16 days. His calendar year of birth exceeds 1900AD by 3
years and therefore his adjusted age is 64 years and 3 months. His annuity
payable for life with 120 payments guaranteed is $6.6296 plus 3 times 0.0142 or
$6.6722 per $1,000 of proceeds applied on January 1, 1968.
A female participant born on the same date and retiring on the same date would
have an adjusted age of 59 years and 3 months and her annuity on the same option
would be $5.8700 plus 3 times 0.0117 or $5.9051 per $1,000 of proceeds applied
on January 1, 1968.
149
TABLE I
Dollar Amount of the First Monthly Payment Which is Purchased with Each $1,000
of Proceeds Applied for Each Full Year of Adjusted Exact Age.
Adjusted Options 1, 2 and 4 - Single Life Annuities
Exact Age-----------------------------------------------------------------------
in Full Period Certain
------------------------------------------------------------- Unit
Years None 5 Years 10 Years 15 Years 20 Years Refund
-------------------------------------------------------------------------------
45 $4.5100 $4.5004 $4.4696 $4.4196 $4.3400 $4.3396
46 4.5904 4.5796 4.5404 4.4796 4.3904 4.3804
47 4.6696 4.6600 4.6196 4.5504 4.4504 4.4404
48 4.7596 4.7500 4.7000 4.6200 4.5104 4.5100
49 4.8496 4.8400 4.7804 4.6896 4.5704 4.5796
50 4.9504 4.9300 4.8704 4.7700 4.6304 4.6504
51 5.0500 5.0296 4.9604 4.8504 4.6904 4.7296
52 5.1604 5.1304 5.0600 4.9296 4.7600 4.8004
53 5.2696 5.2396 5.1596 5,0196 4.8200 4.8904
54 5.3896 5.3596 5.2604 5.1000 4.8800 4.9804
55 5.5204 5.4796 5.3696 5.1900 4.9496 5.0704
56 5.6596 5.6104 5.4896 5.2800 5.0096 5.1604
57 5.8000 5.7496 5.6096 5.3796 5.0804 5.2696
58 5.9500 5.8996 5.7404 5.4804 5.1404 5.3704
59 6.1204 6.0604 5.8700 5.5800 5.2004 5.4904
60 6.2896 6.2200 6.0104 5.6796 5.2604 5.6104
61 6.4804 6.4000 6.1604 5.7804 5.3204 5.7304
62 6.6904 6.5896 6.3104 5.8800 5.3696 5.8600
63 6.9100 6.7900 6.4700 5.9796 5.4200 6.0004
64 7.1404 7.0096 6.6296 6.0804 5.4704 6.1504
65 7.3900 7.2400 6.8000 6.1800 5.5100 6.3100
66 7.6600 7.4800 6.9800 6.2796 5.5496 6.4696
67 7.9504 7.7404 7.1600 6.3696 5.5904 6.6400
68 8.2600 8.0104 7.3400 6.4596 5.6204 6.8296
69 8.5996 8.2996 7.5200 6.5400 5.6396 7.0204
70 8.9596 8.6104 7.7096 6.6204 5.6696 7.2196
71 9.3496 8.9296 7.8896 6.6900 5.6804 7.4404
72 9.7804 9.2800 8.0696 6.7596 5.6996 7.6696
73 10.2400 9.6400 8.2496 6.8100 5.7104 7.9000
74 10.7296 10.0096 8.4200 6.8604 5.7200 8.1496
75 11.2696 10.4104 8.5796 6.9096 5.7296 8.4196
149
TABLE I (continued)
OPTION 3 - Survivorship Annuity Sample Values
Adjusted Portion Payable to the Surviving Contingent Annuitant
Exact Age --------------------------------------------------------------
of the 100% 100% 100% 66 2/3% 66 2/3% 66 2/3%
Annuitant Adjusted Exact Age in Full Years of the
in Full Years Surviving Contingent Annuitant
55 60 65 55 60 65
-- -- -- -- -- --
50 4.4616 -- -- 4.6128 -- --
55 4.6836 4.8876 5.0784 4.9332 5.0820 5.2176
60 4.8876 5.1864 5.4828 5.2812 5.5092 5.7288
65 5.0784 5.4828 5.9160 5.6700 6.0000 6.3372
70 -- 5.7360 6.3288 -- 6.5184 7.0152
Values for ages not shown in these Tables will be furnished any Participant upon
request and will be calculated on the same basis as those shown in these Tables.
149
TABLE II - Interpolation Factor for Table I
Dollar Amount to be added to Table I for each Full Month of Adjusted Age in
Excess of the Adjusted Exact Age in Full Years.
Table I Options 1, 2 and 4 - Single Life Annuities
Adjusted ---------------------------------------------------------------------
Exact Age Period Certain
In Full --------------------------------------------------------------
Unit
Years None 5 Years 10 Years 15 Year 20 Years Refund
--------------------------------------------------------------------------------
55 $0.0116 $0.0109 $0.0100 $0.0075 $0.0050 $0.0075
56 0.0117 0.0116 0.0100 0.0083 0.0059 0.0091
57 0.0125 0.0125 0.0109 0.0084 0.0050 0.0084
58 0.0142 0.0134 0.0108 0.0083 0.0050 0.0100
59 0.0141 0.0133 0.0117 0.0083 0.0050 0.0100
60 0.0159 0.0150 0.0125 0.0084 0.0050 0.0100
61 0.0175 0.0158 0.0125 0.0083 0.0041 0.0108
62 0.0183 0.0167 0.0133 0.0083 0.0042 0.0177
63 0.0192 0.0183 0.0133 0.0084 0.0042 0.0125
64 0.0208 0.0192 0.0142 0.0083 0.0033 0.0133
65 0.0225 0.0200 0.0150 0.0083 0.0033 0.0133
66 0.0242 0.0217 0.0150 0.0075 0.0034 0.0142
67 0.0258 0.0225 0.0150 0.0075 0.0025 0.0158
68 0.0283 0.0241 0.0150 0.0067 0.0016 0.0159
69 0.0300 0.0259 0.0158 0.0067 0.0025 0.0166
70 0.0325 0.0266 0.0150 0.0058 0.0009 0.0184
71 0.0359 0.0292 0.0150 0.0058 0.0016 0.0191
72 0.0383 0.0300 0.0150 0.0042 0.0009 0.0192
73 0.0408 0.0308 0.0142 0.0042 0.0008 0.0208
74 0.0450 0.0334 0.0133 0.0041 0.0008 0.0225
149
