Jeevan Saral Surrender Analysis

To convince Policyholders to Continue the Policy

(Cir: Actl/2119 dated 21/09/2007, Actl/Valuation/2241 dated 30/08/2019)

Calculation of Maturity Sum Assured on Surrender:

1. Applicable Maturity Sum Assured (MSA) for Surrender of policy is the MSA corresponding to
the term for which premiums have been paid under the policy as per age at entry of
Policyholder. If the Premiums have been paid for fraction of the year, then MSA shall be
worked out by way of mathematical interpolation.
2. If the date of Surrender is less than date of FUP then applicable MSA will be discounted for the
period from date of FUP to Date of Surrender. (FUP minus Date of Surrender)
3. If the date of Surrender is more than date of FUP then applicable MSA will be accumulated for
the period from date of FUP to date of Surrender. (Date of Surrender minus FUP)
4. The Period for which MSA is Discounted / Accumulated shall be taken in complete months and
fraction of the month will be ignored.
5. The rate of interest for Discounting or accumulation of MSA will be announced by corporation
at the beginning of each Financial Year. Current Rate is 7.50% p.a. compounding yearly.

Loyalty Addition Rules on Surrender:

1. Loyalty Additions are payable provided at least 10 years premiums have been paid under the
policy and the policy is inforce for at least 10 years. It means that even if premiums are paid
for 10 years and policy is surrendered before completion of 10 years then Loyalty Additions
will not be paid.
2. For determining rate of loyalty additions, the duration in completed years for which premiums
have been paid shall be considered. Fraction of the month shall be ignored. It means that even
if the premiums are paid for 10 years and 11 months, loyalty addition rate of 10 years shall be
applicable.
3. Loyalty addition rates announced as on Valuation date (31st March) will be paid on policies
surrendered from 01st January to 31st December of next year. i.e. Loyalty Addition Rates of
valuation as on 31/03/2019 will be applicable for Policies Surrendered between 1st January
2020 to 31st December 2020.
4. Loyalty addition rates applicable during the year of the surrender will be paid on the HIGHER
of the:
i. Accumulated / Discounted MSA
And
ii. Paid up MSA = Original MSA x No of years Premiums paid / Premium Paying Term
5. Special Surrender Value (SSV) = Accumulated / Discounted MSA + Loyalty Additions.

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 JEEVAN SARAL – Trend of Loyalty Addition Rates
Annual Loyalty Additions per 1000 of Maturity Sum Assured
Duration
Premium Band 2013 2014 2015 2016 2017 2018 2019
Up to 5000 250 250 275 300 300 300 300
5001 to 20000 300 300 325 355 355 360 360
10
20001 to 50000 350 350 375 400 400 425 425
Above 50000 375 375 400 425 425 475 475

Up to 5000 300 300 325 350 350 350 350

5001 to 20000 350 350 375 405 405 415 415
11
20001 to 50000 375 400 425 450 450 475 475
Above 50000 400 425 450 475 475 515 515

Up to 5000 325 325 350 375 375 375 375

5001 to 20000 375 400 400 430 430 450 450
12
20001 to 50000 400 450 450 475 475 500 500
Above 50000 425 475 475 500 500 550 550

Up to 5000 350 375 400 400 400 400

5001 to 20000 400 425 455 455 475 475
13
20001 to 50000 450 500 525 525 550 550
Above 50000 475 525 550 550 600 600

Up to 5000 375 420 420 430 430

5001 to 20000 425 475 475 500 500
14
20001 to 50000 500 545 545 570 570
Above 50000 525 570 570 625 625

Up to 5000 440 440 460 465

5001 to 20000 495 495 520 525
15
20001 to 50000 565 565 600 605
Above 50000 600 600 650 655

Up to 5000 465 490 495

5001 to 20000 525 560 565
16
20001 to 50000 600 640 645
Above 50000 640 690 695

Up to 5000 530 540

5001 to 20000 600 610
17
20001 to 50000 680 690
Above 50000 730 740

Up to 5000 580
5001 to 20000 650
18
20001 to 50000 740
Above 50000 790

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 How to convince Policyholders to Continue the Policy
Policyholders who have taken policy for higher term and come for Surrender after 10 years, we
can show to them the higher Surrender Value payable after each year if they continue the policy
for some more years.

We can show to them SSV Payable based on Current Loyalty Addition Rates declared up to Term
of 18 years and SSV Payable based on Expected Loyalty Addition rates from 19th year onwards.
(Difference in Loyalty Rates of 17th and 18th year is taken as base for future LA rates for terms 19 to 35 years.)

Age at Entry 35 Monthly Premium 5000

Policy Term 35 Maturity Sum Assured (MSA) 2292300
SSV as per Declared Loyalty Addition Rates as on 31/03/2019
Surrender LA Rates Surrender
Total Loyalty Premiums
After MSA (A) Paid up MSA per 1000 of Value =
Amount (B) Paid
Years MSA (A + B)
10 542000 654943 475 311098 853098 600000
11 614750 720437 515 371025 985775 660000
12 687350 785931 550 432262 1119612 720000
13 765150 851426 600 510855 1276005 780000
14 848650 916920 625 573075 1421725 840000
15 940000 982414 655 643481 1583481 900000
16 1014800 1047909 695 728296 1743096 960000
17 1089700 1113403 740 823918 1913618 1020000
18 1165550 1178897 790 931329 2096879 1080000
SSV as per Expected Loyalty Addition Rates from 19th year onwards
Expected
Surrender Surrender
LA Rates Total Loyalty Premiums
After MSA (A) Paid up MSA Value =
per 1000 of Amount (B) Paid
Years (A + B)
MSA*
19 1241200 1244391 840 1045289 2286489 1140000
20 1317550 1309886 890 1172620 2490170 1200000
21 1393200 1375380 940 1309608 2702808 1260000
22 1469250 1440874 990 1454558 2923808 1320000
23 1544050 1506369 1040 1605812 3149862 1380000
24 1616900 1571863 1090 1762421 3379321 1440000
25 1691200 1637357 1140 1927968 3619168 1500000
26 1761650 1702851 1190 2096364 3858014 1560000
27 1833700 1768346 1240 2273788 4107488 1620000
28 1901350 1833840 1290 2452742 4354092 1680000
29 1966200 1899334 1340 2634708 4600908 1740000
30 2030200 1964829 1390 2821978 4852178 1800000
31 2088400 2030323 1440 3007296 5095696 1860000
32 2145850 2095817 1490 3197317 5343167 1920000
33 2199800 2161311 1540 3387692 5587492 1980000
34 2249750 2226806 1590 3577103 5826853 2040000
35 2292300 2292300 1640 3759372 6051672 2100000
We can make use of Excel Sheet for Calculations, sent separately.
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If Policyholder is not convinced to continue the policy, then we can convince them
to keep the policy under Paid-Up status for one year and decide afterwards:
We can tell them to postpone the Surrender for few months / one year without paying any
premium and decide about surrender/continuation after declaration of Loyalty addition rates for
next year. They will get following benefits:
1. Full risk cover for one year without paying any premium due to auto cover feature of the plan.
2. They will get 7.50% increase under MSA from date of FUP to date of Surrender.
3. If loyalty addition rates increase, they will be more benefitted.
4. They can continue the policy by just paying the premium with interest.

Surrender Value Calculations and How to make best use of the same to convince
policyholders to postpone the surrender for few months / years:
Example 1:
Age at Entry: 50 Years, Term-15 years, Mly Premium-5000, DOC-28/03/2010, FUP-28/03/2020,

If Date of Surrender is before FUP e.g. on 20/01/2020, then discounted MSA will be applicable:

Applicable MSA for Surrender:

• Premiums are paid for 10 years.
• MSA corresponding to 10 years Term for age at entry 50 years – 8442 x 5000 /100 = 4,22,100
• Duration in completed months from Date of Surrender – 2 months (Fraction is to be ignored;
we can ask policyholder to surrender after 29/01/2020 to get little more SV)
• Discounted factor for 2 months @7.50% = 0.9880
• Applicable MSA for Surrender = 4,22,100 x 0.9880 = 4,17,035

Applicable Loyalty Additions:

As duration from DOC to date of surrender is less than 10 years, Loyalty additions are not payable.

Surrender Value Payable:

= Applicable MSA + Loyalty Additions
= 4,17,035 + Nil
= 4,17,035

We can ask the policyholder to wait till 28/03/2020 to get more Surrender Value:

Applicable MSA for Surrender:

• MSA for 10 years Duration = 8442 x 5000 /100 = 4,22,100
• Applicable MSA for Surrender = 4,22,100 as Surrender is on date of FUP.

Applicable Loyalty Additions:

• MSA for 15 years = 13444 x 5000 /100 = 6,72,200
• Paid-Up MSA = 6,72,200 x 10 / 15 = 4,48,133
• As Paid-Up MSA is higher than Applicable MSA for Surrender, Loyalty additions will be paid on
Paid-Up MSA.
• Loyalty Addition rates for Above 50000 Premium Band as on 31/03/2019 = 475
• Loyalty Addition Payable = 4,48,133 x 475 /1000 = 2,12,863
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Surrender Value Payable:
= Applicable MSA + Loyalty Additions
= 4,22,100 + 2,12,863
= 6,34,963

Policyholder will get two benefits, i.e. Increase in MSA and Payment of Loyalty Additions.

Similarly, for premiums paid for more than 10 years and policy is surrendered before FUP then
Loyalty Additions of previous completed years will be applicable.
Under above Example if Premiums are paid for 11 years, then FUP will be 28/03/2021.
If policy is Surrendered before 28/03/2021 then loyalty additions of 10 years will be applicable.
So, we can easily convince the policyholder to postpone surrender at least up to FUP.

Example 2:
Age at Entry: 50 Years, Term – 15 years, Mly Premium-5000, DOC- 28/03/2009, FUP- 28/03/2019,

If Date of Surrender is after FUP e.g. on 25/10/2019, then Accumulated MSA will be applicable:

Applicable Maturity Sum Assured (MSA):

• Premiums are paid for 10 years.
• MSA corresponding to 10 years Term for age at entry 50 years –8442 x 5000 /100 = 4,22,100
• Duration in completed months from Date of Surrender – 6 months (Fraction is to be ignored,
we can ask policyholder to surrender after 28/10/2019 to get little more SV)
• Accumulation factor for 6 months @7.50% = 1.037
• Applicable MSA for Surrender = 4,22,100 x 1.037 = 4,37,718

Applicable Loyalty Additions:

• MSA for 15 years = 13444 x 5000 /100 = 6,72,200
• Paid-Up MSA = 6,72,200 x 10 / 15 = 4,48,133
• As Paid-Up MSA is higher than Applicable MSA for Surrender, Loyalty additions will be paid on
Paid-Up MSA.
• Loyalty Addition rates for Above 50000 Premium Band as on 31/03/2018 = 475
• Loyalty Addition Payable = 4,48,133 x 475 /1000 = 2,12,863

Surrender Value Payable:

= Applicable MSA + Loyalty Additions
= 4,37,718 + 2,12,863
= 6,50,581

By the time of Surrender on 25/10/2019 Loyalty Addition Rates as on 31/03/2019 would have
been declared. The same will be applicable for policies to be surrendered from 01/01/2020 to
31/12/2020.

If loyalty addition rates declared are more than loyalty addition rates as on 31/03/2018, we can
ask the policyholder to wait till 01/01/2020 to get more surrender value.

He will also get full risk cover as policy will be under Auto Cover till 27/03/2020.

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If Date of Surrender is on 28/01/2020:

Applicable Maturity Sum Assured (MSA):

• Premiums are paid for 10 years.
• MSA corresponding to 10 years Term for age at entry 50 years –8442 x 5000 /100 = 4,22,100
• Duration in completed months from Date of Surrender – 10 months
• Accumulation factor for 10 months @7.50% = 1.062
• Applicable MSA for Surrender = 4,22,100 x 1.062 = 4,48,270

Applicable Loyalty Additions:

• MSA for 15 years = 13444 x 5000 /100 = 6,72,200
• Paid-Up MSA = 6,72,200 x 10 / 15 = 4,48,133
• As applicable MSA is higher than Paid-Up MSA for Surrender, Loyalty additions will be paid on
applicable MSA.
• Loyalty Addition rates for 10 years Duration and Above 50000 Premium Band as on
31/03/2019 = 475
• Loyalty Addition Payable = 4,48,270 x 475 /1000 = 2,12,928

Surrender Value Payable:

= Applicable MSA + Loyalty Additions
= 4,48,270 + 2,12,928
= 6,61,198

So, by postponing surrender by 3 months and 3 days policyholder will get Rs-10,617 (661198 –
650581) more. (Difference would have been more if there was increase in LA Rates as on
31/03/2019)

We can even tell them to keep the policy under Paid-Up condition for two or more
years and take the call of reviving the same after that.
They will get following benefits:
1. Full risk cover for one year from date of FUP.
2. 7.50% increase under MSA from the date of FUP till date of surrender.
3. If loyalty addition rates increases they will be more benefitted.
4. They can take the call to revive the policy.

See Example on next page

Accumulation / Discounting rates of MSA from 2008-09 onwards:
2008-09 – 7.75%
2009-10 – 7.50%
2010-11 – 7.00%
2011-12 – 7.25%
2012-13 to 2018 -19 – 7.50%

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 JEEVAN SARAL SURRENDER ANALYSIS
To Keep Policy in Paid-Up Condition
( Enter Data under Yellow Cells only)
Age at Entry 50 Monthly Premium 5000
Policy Term 15 MSA as Per Policy Term 672200
No of years Premiums Paid 1 10 MSA for Premiums Paid 422100
FUP2 28/03/2019 Loyalty Rates Current Expected
3
Accumulation/Discounting Rate 7.50% Surrender Before FUP 0 0
Total Premiums paid 600000 Surrender On or After FUP 475 475
Increase in Surrender Value as per Duration from FUP on Paid-Up Policy
Total Surrender Total Surrender
Duration4
Loyalty as Value = Loyalty as Value =
in Accumulated
Paid up per (A + B) at per (A + C) at
Completed / Discounted
MSA Current Current Expected Expected
Months MSA (A)
Loyalty Loyalty Loyalty Loyalty
From FUP
Rates (B) Rates Rates (C) Rates
-2 417043 448133 0 417043 0 417043
-1 419564 448133 0 419564 0 419564
0 422100 448133 212863 634963 212863 634963
1 424652 448133 212863 637515 212863 637515
2 427219 448133 212863 640082 212863 640082
3 429801 448133 212863 642664 212863 642664
4 432399 448133 212863 645262 212863 645262
5 435013 448133 212863 647876 212863 647876
6 437643 448133 212863 650506 212863 650506
7 440288 448133 212863 653151 212863 653151
8 442950 448133 212863 655813 212863 655813
9 445627 448133 212863 658491 212863 658491
10 448321 448133 212952 661273 212952 661273
11 451031 448133 214240 665271 214240 665271
12 453758 448133 215535 669292 215535 669292
24 470466 448133 223471 693937 223471 693937
36 487789 448133 231700 719489 231700 719489
48 505751 448133 240232 745982 240232 745982
60 524374 448133 249077 773451 249077 773451
1.
Minimum No of years Premiums Paid Should be 10. It is to be assumed that Premiums are paid for full year.
2.
FUP should be according to premiums paid for full year. FUP corresponding to Fraction of Premiums Paid for the
year may not give correct SSV Values
3.
Accumulation / Discounting Rates Changes Every Year
4.
Put Minus Sign if Surrendered Before FUP

We can make use of Excel Sheet for Calculations, sent separately.

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 Accumulation and Discounting Factors @7.5%
Accumulation Factors Accumulation Factors Discounting Factors
Duration in Duration in Duration in
Factor Factor Factor
Months Months Months
1 1.006 31 1.205 1 0.993991
2 1.012 32 1.213 2 0.988019
3 1.018 33 1.220 3 0.982082
4 1.024 34 1.227 4 0.976181
5 1.031 35 1.235 5 0.970316
6 1.037 36 1.242 6 0.964486
7 1.043 37 1.250 7 0.958690
8 1.049 38 1.257 8 0.952930
9 1.056 39 1.265 9 0.947204
10 1.062 40 1.273 10 0.941513
11 1.069 41 1.280 11 0.935856
12 1.075 42 1.288
13 1.081 43 1.296
14 1.088 44 1.304
15 1.095 45 1.312
16 1.101 46 1.319
17 1.108 47 1.327
18 1.115 48 1.335
19 1.121 49 1.344
20 1.128 50 1.352
21 1.135 51 1.360
22 1.142 52 1.368
23 1.149 53 1.376
24 1.156 54 1.385
25 1.163 55 1.393
26 1.170 56 1.401
27 1.177 57 1.410
28 1.184 58 1.418
29 1.191 59 1.427
30 1.198 60 1.436

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 Maturity Sum Assured per 100 of Monthly Premium
Age/Term 3 4 5 6 7 8 9 10 11 12 13
12 to 18 2583 3671 4765 5927 7143 8411 9750 11174 12700 14241 15894
19 2581 3665 4757 5922 7131 8397 9742 11165 12690 14230 15985
20 2577 3662 4753 5917 7125 8390 9735 11156 12680 14218 15883

21 2574 3659 4749 5912 7119 8391 9727 11147 12670 14219 15871
22 2570 3656 4745 5908 7113 8384 9718 11147 12671 14208 15859
23 2568 3653 4741 5903 7113 8377 9719 11138 12661 14198 15849
24 2568 3649 4737 5897 7107 8377 9711 11129 12651 14189 15826
25 2566 3650 4737 5898 7107 8370 9703 11121 12643 14180 15818

26 2563 3646 4738 5898 7101 8371 9704 11113 12635 14160 15787
27 2563 3646 4733 5893 7102 8364 9689 11107 12618 14142 15779
28 2563 3646 4733 5893 7097 8359 9683 11091 12601 14112 15748
29 2564 3643 4730 5889 7092 8346 9669 11076 12574 14085 15705
30 2561 3644 4726 5879 7081 8334 9647 11053 12549 14046 15664

31 2559 3637 4718 5870 7064 8315 9627 11020 12503 14009 15610
32 2555 3632 4711 5856 7048 8289 9598 10979 12469 13960 15544
33 2548 3623 4695 5837 7026 8264 9562 10939 12414 13899 15480
34 2542 3610 4680 5819 6998 8225 9517 10889 12359 13828 15390
35 2531 3595 4665 5795 6964 8186 9473 10840 12295 13747 15303

36 2520 3580 4641 5767 6931 8148 9421 10773 12210 13655 15191
37 2509 3562 4614 5733 6891 8095 9362 10707 12127 13553 15068
38 2494 3541 4587 5700 6846 8042 9303 10623 12035 13442 14935
39 2477 3516 4560 5662 6801 7984 9229 10531 11923 13308 14777
40 2459 3492 4524 5619 6744 7919 9139 10431 11802 13164 14608

41 2439 3467 4489 5571 6688 7840 9041 10313 11661 12998 14414
42 2422 3440 4450 5519 6620 7755 8937 10187 11499 12809 14194
43 2398 3403 4404 5456 6541 7657 8817 10033 11329 12596 13948
44 2372 3363 4349 5384 6443 7544 8681 9870 11125 12373 13675
45 2339 3317 4286 5303 6340 7410 8520 9679 10901 12113 13375

46 2301 3265 4215 5211 6225 7269 8351 9479 10654 11827 13043
47 2260 3203 4136 5109 6098 7106 8156 9248 10384 11513 12697
48 2211 3135 4045 4991 5952 6936 7944 8998 10101 11173 12308
49 2158 3061 3945 4868 5799 6744 7714 8726 9795 10807 11875
50 2100 2980 3841 4730 5627 6536 7473 8442 9453 10401 11384

51 2038 2892 3824 4580 5443 6319 7215 8128 9076 9957 10847
52 1971 2798 3599 4420 5250 6093 6938 7794 8653 9459 10249
53 1897 2694 3465 4259 5051 5837 6626 7408 8194 8892 9571
54 1819 2587 3325 4081 4832 5558 6277 6979 7672 8266 8860
55 1736 2475 3181 3893 4587 5256 5893 6508 7087 7598 8051

56 1654 2360 3025 3683 4316 4907 5460 5969 6463 6841 7103
57 1568 2232 2851 3451 4004 4517 4970 5407 5761 5945 6004
58 1473 2091 2651 3181 3659 4068 4460 4744 4922 4915
59 1357 1920 2416 2866 3250 3595 3841 3971 3949
60 1221 1718 2139 2503 2827 3037 3129 3059
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 Maturity Sum Assured per 100 of Monthly Premium

Age/Term 14 15 16 17 18 19 20 21 22 23 24
12 to 18 17699 19656 21296 22965 24662 26361 28106 29845 31601 33402 35155
19 17685 19641 21281 22951 24627 26349 28071 29812 31571 33344 35129
20 17672 19628 21249 22918 24616 26317 28039 29783 31544 33290 35045

21 17659 19615 21237 22908 24585 26287 28012 29731 31493 33240 34997
22 17648 19587 21228 22879 24557 26237 27963 29683 31446 33196 34925
23 17622 19578 21201 22853 24511 26215 27918 29639 31375 33127 34861
24 17614 19553 21177 22810 24490 26173 27876 29572 31311 33036 34774
25 17591 19531 21137 22770 24428 26110 27814 29511 31225 32954 34665

26 17571 19494 21100 22733 24392 26051 27731 29430 31147 32851 34568
27 17537 19459 21065 22678 24336 25997 27655 29357 31050 32729 34418
28 17490 19410 21014 22626 24264 25902 27586 29238 30935 32587 34281
29 17460 19362 20947 22558 24174 25813 27474 29129 30772 32426 34092
30 17401 19300 20883 22475 24091 25708 27345 28975 30620 32247 33883

31 17344 19223 20786 22376 23970 25587 27200 28804 30420 32049 33656
32 17274 19150 20694 22262 23833 25426 27012 28615 30204 31802 33376
33 17191 19046 20587 22134 23682 25249 26834 28410 29969 31536 33075
34 17080 18930 20448 21971 23515 25056 26614 28160 29686 31219 32721
35 16973 18800 20296 21794 23311 24824 26351 27864 29385 30881 32338

36 16854 18640 20130 21602 23093 24576 26071 27550 29034 30485 31932
37 16708 18485 19931 21376 22836 24311 25747 27188 28627 30066 31471
38 16551 18283 19720 21135 22564 23980 25405 26801 28197 29593 30922
39 16365 18085 19474 20858 22252 23632 25012 26393 27748 29070 30355
40 16152 17839 19195 20544 21901 23260 24598 25908 27218 28463 29664

41 15927 17579 18902 20214 21527 22844 24111 25376 26609 27804 28919
42 15673 17287 18573 19841 21111 22358 23606 24796 25950 27058 28078
43 15390 16962 18204 19428 20653 21855 23001 24140 25207 26188 27184
44 15076 16599 17797 18975 20130 21257 22351 23374 24346 25263 26122
45 14728 16201 17353 18462 19543 20590 21596 22524 23398 24212 24920

46 14365 15769 16852 17888 18889 19850 20733 21592 22329 22991 23527
47 13936 15283 16294 17251 18167 19006 19819 20512 21129 21584
48 13477 14725 15657 16527 17322 18088 18765 19307 19717
49 12969 14132 14959 15711 16431 17064 17562 17930
50 12395 13444 14175 14852 15415 15870 16164

51 11752 12696 13329 13851 14264 14519

52 11037 11869 12350 12723 12912
53 10287 10940 11252 11406
54 9409 9879 9978
55 8394 8655

56 7230

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 Maturity Sum Assured per 100 of Monthly Premium

Age/Term 25 26 27 28 29 30 31 32 33 34 35
12 to 18 36945 38741 40503 42263 44020 45772 47472 49161 50836 52446 54035
19 36889 38653 40418 42183 43947 45665 47375 49028 50666 52286 53886
20 36839 38607 40342 42114 43846 45530 47248 48912 50514 52145 53707

21 36763 38500 40277 42018 43718 45411 47095 48768 50382 51927 53499
22 36695 38439 40186 41897 43605 45307 46959 48598 50174 51729 53261
23 36603 38317 40071 41751 43466 45136 46797 48400 49987 51503 52993
24 36488 38208 39933 41620 43304 44940 46565 48177 49724 51248 52741
25 36385 38077 39771 41466 43118 44763 46353 47927 49482 50959 52405

26 36261 37960 39625 41289 42909 44518 46115 47651 49157 50638 52095
27 36116 37786 39420 41091 42676 44292 45852 47340 48852 50291 51655
28 35917 37591 39231 40830 42419 43998 45511 47002 48471 49870 51247
29 35732 37375 38983 40546 42139 43672 45187 46638 48069 49429 50712
30 35492 37103 38674 40238 41786 43319 44747 46204 47545 48864 50158

31 35233 36808 38381 39900 41405 42898 44332 45702 47003 48279 49474
32 34952 36492 38019 39495 41001 42410 43803 45132 46390 47621 48730
33 34615 36109 37632 39047 40490 41857 43209 44494 45705 46851 47920
34 34214 35701 37143 38577 39960 41286 42547 43735 44910 45959 46980
35 33824 35233 36674 38027 39324 40604 41768 42917 43996 44995 45846

36 33342 34746 36066 37374 38623 39807 40979 42034 43011 43841
37 32839 34164 35439 36658 37857 38952 40028 40978 41839
38 32246 33525 34712 35878 36988 38034 38957 39791
39 31597 32788 33922 34998 36011 36903 37758
40 30854 31951 33033 34012 34873 35694

41 30014 31057 31999 32870 33609

42 29079 30023 30856 31559
43 28048 28841 29504
44 26873 27497
45 25501

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