CMTone		=	1.83;
CMTten		= 	4.74;
CDonemo		= 	1.05;
ratedate	= 	"May 24, 2004";
limitdate	= 	"February 6, 2004";
FMLimit 	= 	333700;
FMMargin	= 	3.40;
HECMmoMargin	= 	1.50;
HECManMargin	= 	2.10;
HKpoints	= 	0.00;
annServ		= 	30.00;
moServ		= 	30.00;
hkmoServ	= 	30.00;

// add 1.5 to CMTten and round 1/8%
//
// 6.250%
hecmTable = new Array( 0.000, 0.535, 0.545, 0.554, 0.564, 0.574, 0.584, 0.594, 0.604, 0.615, 0.625, 0.636, 0.647, 0.657, 0.668, 0.679, 0.691, 0.702, 0.713, 0.724, 0.735, 0.746, 0.757, 0.768, 0.778, 0.789, 0.799, 0.809, 0.819, 0.829, 0.839, 0.849, 0.858, 0.869, 0.880)

function getHecmPrinFactorMo(tmpAge)
{
   if( tmpAge < 61 )
     tmpAge = 61;
   if( tmpAge > 95 )
     tmpAge = 95
   tmpAge = tmpAge - 61;
   return hecmTable[tmpAge];
}