Years (t)

0

1

1

1

0.90

0.979

2

0.87

0.949

3

0.85

0.916

4

0.83

0.880

5

0.79

0.843

6

0.77

0.805

7

0.73

0.767

8

0.69

0.729

9

0.65

0.692

10

0.61

0.656

11

0.56

0.620

12

0.53

0.586

13

0.552

14

0.520

15

0.489