@retiregolden/engine 0.1.0

package/dist/rmd/jointLifeTable.js

@@ -0,0 +1,663 @@
+/**
+ * 26 CFR 1.401(a)(9)-9(d) Table 3 (Joint and Last Survivor Table).
+ *
+ * Source: https://www.ecfr.gov/current/title-26/section-1.401(a)(9)-9, Table 3.
+ * Effective for RMD distribution years 2022+; extracted 2026-06-29.
+ * Rows are owner ages 72-120+; columns are spouse ages 0-120+.
+ */
+const MIN_TABLE_AGE = 0;
+const MAX_TABLE_AGE = 120;
+const TABLE_II_BY_OWNER_AGE = {
+    72: [
+        84.7, 83.8, 82.8, 81.8, 80.9, 79.9, 78.9, 77.9, 76.9, 75.9, 74.9, 73.9,
+        73.0, 72.0, 71.0, 70.0, 69.0, 68.1, 67.1, 66.1, 65.1, 64.2, 63.2, 62.2,
+        61.3, 60.3, 59.3, 58.4, 57.4, 56.5, 55.5, 54.5, 53.6, 52.6, 51.7, 50.8,
+        49.8, 48.9, 47.9, 47.0, 46.0, 45.1, 44.2, 43.2, 42.3, 41.4, 40.5, 39.6,
+        38.7, 37.8, 36.9, 36.0, 35.2, 34.3, 33.5, 32.7, 31.9, 31.1, 30.3, 29.5,
+        28.8, 28.1, 27.4, 26.7, 26.0, 25.4, 24.8, 24.2, 23.6, 23.1, 22.5, 22.0,
+        21.6, 21.1, 20.7, 20.4, 20.0, 19.7, 19.4, 19.2, 18.9, 18.7, 18.5, 18.3,
+        18.2, 18.1, 17.9, 17.8, 17.7, 17.7, 17.6, 17.5, 17.5, 17.4, 17.4, 17.4,
+        17.4, 17.3, 17.3, 17.3, 17.3, 17.3, 17.3, 17.3, 17.2, 17.2, 17.2, 17.2,
+        17.2, 17.2, 17.2, 17.2, 17.2, 17.2, 17.2, 17.2, 17.2, 17.2, 17.2, 17.2,
+        17.2,
+    ],
+    73: [
+        84.6, 83.8, 82.8, 81.8, 80.8, 79.9, 78.9, 77.9, 76.9, 75.9, 74.9, 73.9,
+        73.0, 72.0, 71.0, 70.0, 69.0, 68.1, 67.1, 66.1, 65.1, 64.2, 63.2, 62.2,
+        61.2, 60.3, 59.3, 58.4, 57.4, 56.4, 55.5, 54.5, 53.6, 52.6, 51.7, 50.7,
+        49.8, 48.8, 47.9, 46.9, 46.0, 45.1, 44.1, 43.2, 42.3, 41.4, 40.4, 39.5,
+        38.6, 37.7, 36.8, 36.0, 35.1, 34.2, 33.4, 32.6, 31.7, 30.9, 30.1, 29.4,
+        28.6, 27.9, 27.2, 26.5, 25.8, 25.1, 24.5, 23.9, 23.3, 22.7, 22.2, 21.6,
+        21.1, 20.7, 20.3, 19.9, 19.5, 19.1, 18.8, 18.6, 18.3, 18.1, 17.9, 17.7,
+        17.5, 17.4, 17.2, 17.1, 17.0, 16.9, 16.9, 16.8, 16.7, 16.7, 16.6, 16.6,
+        16.6, 16.6, 16.5, 16.5, 16.5, 16.5, 16.5, 16.5, 16.5, 16.5, 16.5, 16.5,
+        16.5, 16.4, 16.4, 16.4, 16.4, 16.4, 16.4, 16.4, 16.4, 16.4, 16.4, 16.4,
+        16.4,
+    ],
+    74: [
+        84.6, 83.8, 82.8, 81.8, 80.8, 79.9, 78.9, 77.9, 76.9, 75.9, 74.9, 73.9,
+        73.0, 72.0, 71.0, 70.0, 69.0, 68.0, 67.1, 66.1, 65.1, 64.1, 63.2, 62.2,
+        61.2, 60.3, 59.3, 58.3, 57.4, 56.4, 55.5, 54.5, 53.6, 52.6, 51.7, 50.7,
+        49.8, 48.8, 47.9, 46.9, 46.0, 45.0, 44.1, 43.2, 42.2, 41.3, 40.4, 39.5,
+        38.6, 37.7, 36.8, 35.9, 35.0, 34.1, 33.3, 32.4, 31.6, 30.8, 30.0, 29.2,
+        28.4, 27.7, 27.0, 26.2, 25.5, 24.9, 24.2, 23.6, 23.0, 22.4, 21.8, 21.3,
+        20.7, 20.3, 19.8, 19.4, 19.0, 18.6, 18.3, 18.0, 17.7, 17.4, 17.2, 17.0,
+        16.8, 16.7, 16.5, 16.4, 16.3, 16.2, 16.1, 16.1, 16.0, 15.9, 15.9, 15.9,
+        15.8, 15.8, 15.8, 15.7, 15.7, 15.7, 15.7, 15.7, 15.7, 15.7, 15.7, 15.7,
+        15.7, 15.7, 15.7, 15.7, 15.7, 15.7, 15.7, 15.7, 15.6, 15.6, 15.6, 15.6,
+        15.6,
+    ],
+    75: [
+        84.6, 83.8, 82.8, 81.8, 80.8, 79.9, 78.9, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 72.0, 71.0, 70.0, 69.0, 68.0, 67.1, 66.1, 65.1, 64.1, 63.2, 62.2,
+        61.2, 60.3, 59.3, 58.3, 57.4, 56.4, 55.5, 54.5, 53.5, 52.6, 51.6, 50.7,
+        49.7, 48.8, 47.8, 46.9, 45.9, 45.0, 44.1, 43.1, 42.2, 41.3, 40.3, 39.4,
+        38.5, 37.6, 36.7, 35.8, 34.9, 34.1, 33.2, 32.4, 31.5, 30.7, 29.9, 29.1,
+        28.3, 27.5, 26.8, 26.1, 25.3, 24.6, 24.0, 23.3, 22.7, 22.1, 21.5, 20.9,
+        20.4, 19.9, 19.4, 18.9, 18.5, 18.1, 17.8, 17.4, 17.1, 16.9, 16.6, 16.4,
+        16.2, 16.0, 15.9, 15.7, 15.6, 15.5, 15.4, 15.3, 15.3, 15.2, 15.2, 15.1,
+        15.1, 15.0, 15.0, 15.0, 15.0, 15.0, 14.9, 14.9, 14.9, 14.9, 14.9, 14.9,
+        14.9, 14.9, 14.9, 14.9, 14.9, 14.9, 14.9, 14.9, 14.9, 14.9, 14.9, 14.8,
+        14.8,
+    ],
+    76: [
+        84.6, 83.8, 82.8, 81.8, 80.8, 79.9, 78.9, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 72.0, 71.0, 70.0, 69.0, 68.0, 67.1, 66.1, 65.1, 64.1, 63.2, 62.2,
+        61.2, 60.2, 59.3, 58.3, 57.4, 56.4, 55.4, 54.5, 53.5, 52.6, 51.6, 50.7,
+        49.7, 48.8, 47.8, 46.9, 45.9, 45.0, 44.0, 43.1, 42.2, 41.2, 40.3, 39.4,
+        38.5, 37.5, 36.6, 35.7, 34.9, 34.0, 33.1, 32.3, 31.4, 30.6, 29.8, 29.0,
+        28.2, 27.4, 26.6, 25.9, 25.2, 24.4, 23.7, 23.1, 22.4, 21.8, 21.2, 20.6,
+        20.0, 19.5, 19.0, 18.5, 18.1, 17.7, 17.3, 16.9, 16.6, 16.3, 16.0, 15.8,
+        15.6, 15.4, 15.2, 15.1, 14.9, 14.8, 14.7, 14.6, 14.6, 14.5, 14.4, 14.4,
+        14.3, 14.3, 14.3, 14.3, 14.2, 14.2, 14.2, 14.2, 14.2, 14.2, 14.2, 14.2,
+        14.2, 14.2, 14.2, 14.2, 14.2, 14.2, 14.1, 14.1, 14.1, 14.1, 14.1, 14.1,
+        14.1,
+    ],
+    77: [
+        84.6, 83.8, 82.8, 81.8, 80.8, 79.8, 78.9, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 72.0, 71.0, 70.0, 69.0, 68.0, 67.0, 66.1, 65.1, 64.1, 63.1, 62.2,
+        61.2, 60.2, 59.3, 58.3, 57.3, 56.4, 55.4, 54.5, 53.5, 52.6, 51.6, 50.7,
+        49.7, 48.8, 47.8, 46.9, 45.9, 45.0, 44.0, 43.1, 42.1, 41.2, 40.3, 39.3,
+        38.4, 37.5, 36.6, 35.7, 34.8, 33.9, 33.0, 32.2, 31.3, 30.5, 29.7, 28.8,
+        28.0, 27.3, 26.5, 25.7, 25.0, 24.3, 23.5, 22.9, 22.2, 21.5, 20.9, 20.3,
+        19.7, 19.1, 18.6, 18.1, 17.7, 17.2, 16.8, 16.4, 16.1, 15.8, 15.5, 15.2,
+        15.0, 14.8, 14.6, 14.4, 14.3, 14.2, 14.1, 14.0, 13.9, 13.8, 13.7, 13.7,
+        13.6, 13.6, 13.6, 13.5, 13.5, 13.5, 13.5, 13.5, 13.5, 13.4, 13.4, 13.4,
+        13.4, 13.4, 13.4, 13.4, 13.4, 13.4, 13.4, 13.4, 13.4, 13.4, 13.4, 13.4,
+        13.3,
+    ],
+    78: [
+        84.6, 83.8, 82.8, 81.8, 80.8, 79.8, 78.9, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 71.9, 71.0, 70.0, 69.0, 68.0, 67.0, 66.1, 65.1, 64.1, 63.1, 62.2,
+        61.2, 60.2, 59.3, 58.3, 57.3, 56.4, 55.4, 54.5, 53.5, 52.6, 51.6, 50.6,
+        49.7, 48.7, 47.8, 46.8, 45.9, 44.9, 44.0, 43.0, 42.1, 41.2, 40.2, 39.3,
+        38.4, 37.5, 36.5, 35.6, 34.7, 33.9, 33.0, 32.1, 31.2, 30.4, 29.6, 28.7,
+        27.9, 27.1, 26.4, 25.6, 24.8, 24.1, 23.4, 22.7, 22.0, 21.3, 20.6, 20.0,
+        19.4, 18.8, 18.3, 17.8, 17.3, 16.8, 16.4, 16.0, 15.6, 15.3, 15.0, 14.7,
+        14.4, 14.2, 14.0, 13.8, 13.7, 13.5, 13.4, 13.3, 13.2, 13.1, 13.1, 13.0,
+        12.9, 12.9, 12.9, 12.8, 12.8, 12.8, 12.8, 12.8, 12.7, 12.7, 12.7, 12.7,
+        12.7, 12.7, 12.7, 12.7, 12.7, 12.7, 12.7, 12.7, 12.7, 12.7, 12.6, 12.6,
+        12.6,
+    ],
+    79: [
+        84.6, 83.8, 82.8, 81.8, 80.8, 79.8, 78.9, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 71.9, 71.0, 70.0, 69.0, 68.0, 67.0, 66.1, 65.1, 64.1, 63.1, 62.2,
+        61.2, 60.2, 59.3, 58.3, 57.3, 56.4, 55.4, 54.5, 53.5, 52.5, 51.6, 50.6,
+        49.7, 48.7, 47.8, 46.8, 45.9, 44.9, 44.0, 43.0, 42.1, 41.1, 40.2, 39.3,
+        38.3, 37.4, 36.5, 35.6, 34.7, 33.8, 32.9, 32.0, 31.2, 30.3, 29.5, 28.7,
+        27.8, 27.0, 26.2, 25.5, 24.7, 23.9, 23.2, 22.5, 21.8, 21.1, 20.4, 19.8,
+        19.2, 18.6, 18.0, 17.4, 16.9, 16.4, 16.0, 15.6, 15.2, 14.8, 14.5, 14.2,
+        13.9, 13.6, 13.4, 13.2, 13.1, 12.9, 12.8, 12.7, 12.6, 12.5, 12.4, 12.3,
+        12.3, 12.2, 12.2, 12.2, 12.1, 12.1, 12.1, 12.1, 12.0, 12.0, 12.0, 12.0,
+        12.0, 12.0, 12.0, 12.0, 12.0, 12.0, 12.0, 12.0, 12.0, 12.0, 11.9, 11.9,
+        11.9,
+    ],
+    80: [
+        84.6, 83.8, 82.8, 81.8, 80.8, 79.8, 78.9, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 71.9, 71.0, 70.0, 69.0, 68.0, 67.0, 66.1, 65.1, 64.1, 63.1, 62.1,
+        61.2, 60.2, 59.2, 58.3, 57.3, 56.4, 55.4, 54.4, 53.5, 52.5, 51.6, 50.6,
+        49.7, 48.7, 47.8, 46.8, 45.9, 44.9, 43.9, 43.0, 42.1, 41.1, 40.2, 39.2,
+        38.3, 37.4, 36.5, 35.5, 34.6, 33.7, 32.9, 32.0, 31.1, 30.3, 29.4, 28.6,
+        27.8, 26.9, 26.1, 25.3, 24.6, 23.8, 23.1, 22.3, 21.6, 20.9, 20.2, 19.6,
+        18.9, 18.3, 17.7, 17.1, 16.6, 16.1, 15.6, 15.2, 14.7, 14.4, 14.0, 13.7,
+        13.4, 13.1, 12.9, 12.7, 12.5, 12.3, 12.2, 12.1, 11.9, 11.9, 11.8, 11.7,
+        11.6, 11.6, 11.5, 11.5, 11.5, 11.4, 11.4, 11.4, 11.4, 11.4, 11.4, 11.4,
+        11.4, 11.3, 11.3, 11.3, 11.3, 11.3, 11.3, 11.3, 11.3, 11.3, 11.3, 11.2,
+        11.2,
+    ],
+    81: [
+        84.6, 83.8, 82.8, 81.8, 80.8, 79.8, 78.9, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 71.9, 71.0, 70.0, 69.0, 68.0, 67.0, 66.0, 65.1, 64.1, 63.1, 62.1,
+        61.2, 60.2, 59.2, 58.3, 57.3, 56.4, 55.4, 54.4, 53.5, 52.5, 51.6, 50.6,
+        49.7, 48.7, 47.7, 46.8, 45.8, 44.9, 43.9, 43.0, 42.0, 41.1, 40.1, 39.2,
+        38.3, 37.3, 36.4, 35.5, 34.6, 33.7, 32.8, 31.9, 31.1, 30.2, 29.3, 28.5,
+        27.7, 26.9, 26.0, 25.2, 24.5, 23.7, 22.9, 22.2, 21.5, 20.7, 20.0, 19.4,
+        18.7, 18.1, 17.4, 16.9, 16.3, 15.8, 15.3, 14.8, 14.4, 14.0, 13.6, 13.2,
+        12.9, 12.6, 12.4, 12.2, 12.0, 11.8, 11.6, 11.5, 11.4, 11.3, 11.2, 11.1,
+        11.0, 11.0, 10.9, 10.9, 10.8, 10.8, 10.8, 10.7, 10.7, 10.7, 10.7, 10.7,
+        10.7, 10.7, 10.7, 10.7, 10.7, 10.7, 10.7, 10.7, 10.6, 10.6, 10.6, 10.6,
+        10.5,
+    ],
+    82: [
+        84.6, 83.8, 82.8, 81.8, 80.8, 79.8, 78.9, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 71.9, 70.9, 70.0, 69.0, 68.0, 67.0, 66.0, 65.1, 64.1, 63.1, 62.1,
+        61.2, 60.2, 59.2, 58.3, 57.3, 56.3, 55.4, 54.4, 53.5, 52.5, 51.6, 50.6,
+        49.7, 48.7, 47.7, 46.8, 45.8, 44.9, 43.9, 43.0, 42.0, 41.1, 40.1, 39.2,
+        38.3, 37.3, 36.4, 35.5, 34.6, 33.7, 32.8, 31.9, 31.0, 30.1, 29.3, 28.4,
+        27.6, 26.8, 26.0, 25.2, 24.4, 23.6, 22.8, 22.1, 21.3, 20.6, 19.9, 19.2,
+        18.5, 17.9, 17.2, 16.6, 16.0, 15.5, 15.0, 14.5, 14.0, 13.6, 13.2, 12.8,
+        12.5, 12.2, 11.9, 11.7, 11.5, 11.3, 11.1, 10.9, 10.8, 10.7, 10.6, 10.5,
+        10.4, 10.4, 10.3, 10.2, 10.2, 10.2, 10.1, 10.1, 10.1, 10.1, 10.1, 10.1,
+        10.1, 10.1, 10.1, 10.1, 10.1, 10.0, 10.0, 10.0, 10.0, 10.0, 10.0, 9.9,
+        9.9,
+    ],
+    83: [
+        84.6, 83.7, 82.8, 81.8, 80.8, 79.8, 78.9, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 71.9, 70.9, 70.0, 69.0, 68.0, 67.0, 66.0, 65.1, 64.1, 63.1, 62.1,
+        61.2, 60.2, 59.2, 58.3, 57.3, 56.3, 55.4, 54.4, 53.5, 52.5, 51.6, 50.6,
+        49.6, 48.7, 47.7, 46.8, 45.8, 44.9, 43.9, 43.0, 42.0, 41.1, 40.1, 39.2,
+        38.2, 37.3, 36.4, 35.4, 34.5, 33.6, 32.7, 31.8, 31.0, 30.1, 29.2, 28.4,
+        27.5, 26.7, 25.9, 25.1, 24.3, 23.5, 22.7, 22.0, 21.2, 20.5, 19.7, 19.0,
+        18.3, 17.7, 17.0, 16.4, 15.8, 15.2, 14.7, 14.2, 13.7, 13.2, 12.8, 12.4,
+        12.1, 11.8, 11.5, 11.2, 11.0, 10.8, 10.6, 10.4, 10.3, 10.1, 10.0, 9.9,
+        9.9, 9.8, 9.7, 9.7, 9.6, 9.6, 9.6, 9.5, 9.5, 9.5, 9.5, 9.5,
+        9.5, 9.5, 9.5, 9.5, 9.5, 9.4, 9.4, 9.4, 9.4, 9.4, 9.3, 9.3,
+        9.3,
+    ],
+    84: [
+        84.6, 83.7, 82.8, 81.8, 80.8, 79.8, 78.9, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 71.9, 70.9, 70.0, 69.0, 68.0, 67.0, 66.0, 65.1, 64.1, 63.1, 62.1,
+        61.2, 60.2, 59.2, 58.3, 57.3, 56.3, 55.4, 54.4, 53.5, 52.5, 51.5, 50.6,
+        49.6, 48.7, 47.7, 46.8, 45.8, 44.9, 43.9, 42.9, 42.0, 41.0, 40.1, 39.2,
+        38.2, 37.3, 36.3, 35.4, 34.5, 33.6, 32.7, 31.8, 30.9, 30.0, 29.2, 28.3,
+        27.5, 26.7, 25.8, 25.0, 24.2, 23.4, 22.6, 21.9, 21.1, 20.4, 19.6, 18.9,
+        18.2, 17.5, 16.8, 16.2, 15.6, 15.0, 14.4, 13.9, 13.4, 12.9, 12.5, 12.1,
+        11.7, 11.4, 11.1, 10.8, 10.5, 10.3, 10.1, 9.9, 9.8, 9.6, 9.5, 9.4,
+        9.3, 9.2, 9.2, 9.1, 9.1, 9.0, 9.0, 9.0, 8.9, 8.9, 8.9, 8.9,
+        8.9, 8.9, 8.9, 8.9, 8.9, 8.9, 8.9, 8.8, 8.8, 8.8, 8.8, 8.7,
+        8.7,
+    ],
+    85: [
+        84.6, 83.7, 82.8, 81.8, 80.8, 79.8, 78.8, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 71.9, 70.9, 70.0, 69.0, 68.0, 67.0, 66.0, 65.1, 64.1, 63.1, 62.1,
+        61.2, 60.2, 59.2, 58.3, 57.3, 56.3, 55.4, 54.4, 53.5, 52.5, 51.5, 50.6,
+        49.6, 48.7, 47.7, 46.8, 45.8, 44.8, 43.9, 42.9, 42.0, 41.0, 40.1, 39.1,
+        38.2, 37.3, 36.3, 35.4, 34.5, 33.6, 32.7, 31.8, 30.9, 30.0, 29.1, 28.3,
+        27.4, 26.6, 25.8, 25.0, 24.1, 23.3, 22.6, 21.8, 21.0, 20.3, 19.5, 18.8,
+        18.1, 17.4, 16.7, 16.0, 15.4, 14.8, 14.2, 13.6, 13.1, 12.6, 12.2, 11.8,
+        11.4, 11.0, 10.7, 10.4, 10.1, 9.9, 9.7, 9.5, 9.3, 9.2, 9.0, 8.9,
+        8.8, 8.7, 8.7, 8.6, 8.5, 8.5, 8.5, 8.4, 8.4, 8.4, 8.4, 8.4,
+        8.4, 8.4, 8.3, 8.3, 8.3, 8.3, 8.3, 8.3, 8.3, 8.2, 8.2, 8.2,
+        8.1,
+    ],
+    86: [
+        84.6, 83.7, 82.8, 81.8, 80.8, 79.8, 78.8, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 71.9, 70.9, 70.0, 69.0, 68.0, 67.0, 66.0, 65.1, 64.1, 63.1, 62.1,
+        61.1, 60.2, 59.2, 58.2, 57.3, 56.3, 55.4, 54.4, 53.5, 52.5, 51.5, 50.6,
+        49.6, 48.7, 47.7, 46.7, 45.8, 44.8, 43.9, 42.9, 42.0, 41.0, 40.1, 39.1,
+        38.2, 37.2, 36.3, 35.4, 34.5, 33.5, 32.6, 31.7, 30.9, 30.0, 29.1, 28.2,
+        27.4, 26.6, 25.7, 24.9, 24.1, 23.3, 22.5, 21.7, 20.9, 20.2, 19.4, 18.7,
+        17.9, 17.2, 16.5, 15.9, 15.2, 14.6, 14.0, 13.4, 12.9, 12.4, 11.9, 11.5,
+        11.1, 10.7, 10.4, 10.0, 9.8, 9.5, 9.3, 9.1, 8.9, 8.7, 8.6, 8.5,
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+        38.1, 37.1, 36.2, 35.3, 34.3, 33.4, 32.5, 31.6, 30.7, 29.8, 28.9, 28.0,
+        27.1, 26.3, 25.4, 24.6, 23.7, 22.9, 22.1, 21.3, 20.4, 19.6, 18.8, 18.0,
+        17.2, 16.4, 15.6, 14.9, 14.1, 13.4, 12.7, 12.0, 11.3, 10.6, 10.0, 9.4,
+        8.8, 8.3, 7.7, 7.3, 6.8, 6.4, 6.0, 5.6, 5.2, 4.9, 4.6, 4.4,
+        4.1, 3.9, 3.7, 3.5, 3.3, 3.2, 3.1, 3.0, 2.9, 2.8, 2.8, 2.8,
+        2.8, 2.8, 2.7, 2.7, 2.7, 2.7, 2.6, 2.6, 2.5, 2.4, 2.2, 2.0,
+        1.8,
+    ],
+    117: [
+        84.6, 83.7, 82.8, 81.8, 80.8, 79.8, 78.8, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 71.9, 70.9, 69.9, 69.0, 68.0, 67.0, 66.0, 65.0, 64.1, 63.1, 62.1,
+        61.1, 60.2, 59.2, 58.2, 57.3, 56.3, 55.3, 54.4, 53.4, 52.5, 51.5, 50.5,
+        49.6, 48.6, 47.7, 46.7, 45.7, 44.8, 43.8, 42.9, 41.9, 41.0, 40.0, 39.0,
+        38.1, 37.1, 36.2, 35.3, 34.3, 33.4, 32.5, 31.6, 30.7, 29.8, 28.9, 28.0,
+        27.1, 26.3, 25.4, 24.6, 23.7, 22.9, 22.1, 21.2, 20.4, 19.6, 18.8, 18.0,
+        17.2, 16.4, 15.6, 14.9, 14.1, 13.4, 12.7, 12.0, 11.3, 10.6, 10.0, 9.4,
+        8.8, 8.2, 7.7, 7.2, 6.8, 6.3, 5.9, 5.5, 5.2, 4.9, 4.6, 4.3,
+        4.0, 3.8, 3.6, 3.4, 3.3, 3.1, 3.0, 2.9, 2.8, 2.7, 2.7, 2.7,
+        2.7, 2.6, 2.6, 2.6, 2.6, 2.6, 2.5, 2.5, 2.4, 2.3, 2.1, 1.9,
+        1.6,
+    ],
+    118: [
+        84.6, 83.7, 82.8, 81.8, 80.8, 79.8, 78.8, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 71.9, 70.9, 69.9, 69.0, 68.0, 67.0, 66.0, 65.0, 64.1, 63.1, 62.1,
+        61.1, 60.2, 59.2, 58.2, 57.3, 56.3, 55.3, 54.4, 53.4, 52.5, 51.5, 50.5,
+        49.6, 48.6, 47.7, 46.7, 45.7, 44.8, 43.8, 42.9, 41.9, 41.0, 40.0, 39.0,
+        38.1, 37.1, 36.2, 35.3, 34.3, 33.4, 32.5, 31.6, 30.7, 29.8, 28.9, 28.0,
+        27.1, 26.3, 25.4, 24.5, 23.7, 22.9, 22.1, 21.2, 20.4, 19.6, 18.8, 18.0,
+        17.2, 16.4, 15.6, 14.9, 14.1, 13.4, 12.6, 11.9, 11.3, 10.6, 10.0, 9.3,
+        8.8, 8.2, 7.7, 7.2, 6.7, 6.3, 5.8, 5.5, 5.1, 4.8, 4.5, 4.2,
+        3.9, 3.7, 3.5, 3.3, 3.1, 3.0, 2.8, 2.7, 2.6, 2.6, 2.5, 2.5,
+        2.5, 2.5, 2.5, 2.4, 2.4, 2.4, 2.4, 2.3, 2.2, 2.1, 1.9, 1.7,
+        1.4,
+    ],
+    119: [
+        84.6, 83.7, 82.8, 81.8, 80.8, 79.8, 78.8, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 71.9, 70.9, 69.9, 69.0, 68.0, 67.0, 66.0, 65.0, 64.1, 63.1, 62.1,
+        61.1, 60.2, 59.2, 58.2, 57.3, 56.3, 55.3, 54.4, 53.4, 52.5, 51.5, 50.5,
+        49.6, 48.6, 47.7, 46.7, 45.7, 44.8, 43.8, 42.9, 41.9, 41.0, 40.0, 39.0,
+        38.1, 37.1, 36.2, 35.3, 34.3, 33.4, 32.5, 31.6, 30.7, 29.8, 28.9, 28.0,
+        27.1, 26.2, 25.4, 24.5, 23.7, 22.9, 22.1, 21.2, 20.4, 19.6, 18.8, 18.0,
+        17.2, 16.4, 15.6, 14.8, 14.1, 13.4, 12.6, 11.9, 11.2, 10.6, 9.9, 9.3,
+        8.7, 8.2, 7.6, 7.1, 6.6, 6.2, 5.8, 5.4, 5.0, 4.7, 4.4, 4.1,
+        3.8, 3.6, 3.3, 3.1, 2.9, 2.8, 2.6, 2.5, 2.4, 2.4, 2.3, 2.3,
+        2.3, 2.3, 2.2, 2.2, 2.2, 2.2, 2.1, 2.1, 2.0, 1.9, 1.7, 1.3,
+        1.1,
+    ],
+    120: [
+        84.6, 83.7, 82.8, 81.8, 80.8, 79.8, 78.8, 77.9, 76.9, 75.9, 74.9, 73.9,
+        72.9, 71.9, 70.9, 69.9, 69.0, 68.0, 67.0, 66.0, 65.0, 64.1, 63.1, 62.1,
+        61.1, 60.2, 59.2, 58.2, 57.3, 56.3, 55.3, 54.4, 53.4, 52.5, 51.5, 50.5,
+        49.6, 48.6, 47.7, 46.7, 45.7, 44.8, 43.8, 42.9, 41.9, 41.0, 40.0, 39.0,
+        38.1, 37.1, 36.2, 35.3, 34.3, 33.4, 32.5, 31.6, 30.6, 29.8, 28.9, 28.0,
+        27.1, 26.2, 25.4, 24.5, 23.7, 22.9, 22.0, 21.2, 20.4, 19.6, 18.8, 18.0,
+        17.2, 16.4, 15.6, 14.8, 14.1, 13.3, 12.6, 11.9, 11.2, 10.5, 9.9, 9.3,
+        8.7, 8.1, 7.6, 7.1, 6.6, 6.1, 5.7, 5.3, 4.9, 4.6, 4.3, 4.0,
+        3.7, 3.4, 3.2, 3.0, 2.8, 2.6, 2.5, 2.3, 2.2, 2.1, 2.1, 2.1,
+        2.0, 2.0, 2.0, 2.0, 2.0, 1.9, 1.9, 1.8, 1.8, 1.6, 1.4, 1.1,
+        1.0,
+    ],
+};
+function tableAge(age) {
+    if (!Number.isFinite(age))
+        return null;
+    const wholeAge = Math.floor(age);
+    if (wholeAge < MIN_TABLE_AGE)
+        return null;
+    return Math.min(wholeAge, MAX_TABLE_AGE);
+}
+export function jointLifeTableDivisor(ownerAge, spouseAge) {
+    const ownerTableAge = tableAge(ownerAge);
+    const spouseTableAge = tableAge(spouseAge);
+    if (ownerTableAge === null || spouseTableAge === null)
+        return undefined;
+    return TABLE_II_BY_OWNER_AGE[ownerTableAge]?.[spouseTableAge - MIN_TABLE_AGE];
+}