+1.00 (between 40 and 45 years old)+1.50 (between 45 and 50 years old)+2.00 (between 50 and 55 years old)+2.50 (between 55 and 60 years old)+3.00 (between 60 and 65 years old)+3.50 (after 65)
+1.00 between 40 and 45 years old+1.50 between 45 and 50 years old+2.00 between 50 and 55 years old+2.50 between 55 and 60 years old+3.00 between 60 and 65 years old+3.50 after 65
+1.00 between 40 and 45 years old+1.50 between 45 and 50 years old+2.00 between 50 and 55 years old+2.50 between 55 and 60 years old+3.00 between 60 and 65 years old+3.50 after 65
+1.00 between 40 and 45 years old+1.50 between 45 and 50 years old+2.00 between 50 and 55 years old+2.50 between 55 and 60 years old+3.00 between 60 and 65 years old+3.50 after 65
+1.00 between 40 and 45 years old+1.50 between 45 and 50 years old+2.00 between 50 and 55 years old+2.50 between 55 and 60 years old+3.00 between 60 and 65 years old
