After playing around with some Cultures.txt values on Jourin's old spreadsheet, I realized that it didn't handle the upper and lower numbers too well (>120 or <80, etc.), so I redid the calculations. No, it's not pretty, but I'm not an actuarial program.
I haven't posted it for download yet but it should be about ready. Play with it and let me know if there's anything too glaring. Thanks!
Download it here!
zen
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.sig went out for bread and didn't come back