function getLifeExpectancyFactor2005_2007(isFemale,cAge)
{
	/*	011209:
			New Australian Life Tables (2005-07) have been released and will apply to all income streams
			that commence on or after 1 January 2010.
	*/
	// isFemale is TRUE for Females
	ret = 0.0;
if(isFemale != null)
{
	if(!isFemale)
	{
		switch(cAge)
		{
			case 50:
					ret = 31.43;
					break;
			case 51:
					ret = 30.53;
					break;
			case 52:
					ret = 29.63;
					break;
			case 53:
					ret = 28.73;
					break;
			case 54:
					ret = 27.84;
					break;
			case 55:
				ret = 26.95;
				break;
			case 56:
				ret = 26.08;
				break;
			case 57:
				ret = 25.20;
				break;
			case 58:
				ret = 24.34;
				break;
			case 59:
				ret = 23.48;
				break;
			case 60:
				ret = 22.63;
				break;
			case 61:
				ret = 21.79;
				break;
			case 62:
				ret = 20.96;
				break;
			case 63:
				ret = 20.14;
				break;
			case 64:
				ret = 19.34;
				break;
			case 65:
				ret = 18.54;
				break;
			case 66:
				ret = 17.76;
				break;
			case 67:
				ret = 16.99;
				break;
			case 68:
				ret = 16.24;
				break;
			case 69:
				ret = 15.49;
				break;
			case 70:
				ret = 14.76;
				break;
			case 71:
				ret = 14.04;
				break;
			case 72:
				ret = 13.33;
				break;
			case 73:
				ret = 12.64;
				break;
			case 74:
				ret = 11.96;
				break;
			case 75:
				ret = 11.31;
				break;
			case 76:
				ret = 10.68;
				break;
			case 77:
				ret = 10.07;
				break;
			case 78:
				ret = 9.48;
				break;
			case 79:
				ret = 8.92;
				break;
			case 80:
				ret = 8.38;
				break;
			case 81:
				ret = 7.86;
				break;
			case 82:
				ret = 7.36;
				break;
			case 83:
				ret = 6.89;
				break;
			case 84:
				ret = 6.45;
				break;
			case 85:
				ret = 6.03;
				break;
			case 86:
				ret = 5.64;
				break;
			case 87:
				ret = 5.27;
				break;
			case 88:
				ret = 4.94;
				break;
			case 89:
				ret = 4.63;
				break;
			case 90:
				ret = 4.36;
				break;
			case 91:
				ret = 4.11;
				break;
			case 92:
				ret = 3.89;
				break;
			case 93:
				ret = 3.69;
				break;
			case 94:
				ret = 3.51;
				break;
			case 95:
				ret = 3.36;
				break;
			case 96:
				ret = 3.22;
				break;
			case 97:
				ret = 3.10;
				break;
			case 98:
				ret = 2.99;
				break;
			case 99:
				ret = 2.90;
				break;
			default:
				ret = 2.81;// just in case
				break;
		}
	}
	else
	{
		switch(cAge)
		{
			case 50:
					ret = 35.17;
					break;
			case 51:
					ret = 34.24;
					break;
			case 52:
					ret = 33.31;
					break;
			case 53:
					ret = 32.38;
					break;
			case 54:
					ret = 31.45;
					break;
			case 55:
				ret = 30.53;
				break;
			case 56:
				ret = 29.61;
				break;
			case 57:
				ret = 28.70
				break;
			case 58:
				ret = 27.79;
				break;
			case 59:
				ret = 26.89;
				break;
			case 60:
				ret = 26.00;
				break;
			case 61:
				ret = 25.11;
				break;
			case 62:
				ret = 24.23;
				break;
			case 63:
				ret = 23.35;
				break;
			case 64:
				ret = 22.48;
				break;
			case 65:
				ret = 21.62;
				break;
			case 66:
				ret = 20.76;
				break;
			case 67:
				ret = 19.92;
				break;
			case 68:
				ret = 19.08;
				break;
			case 69:
				ret = 18.24;
				break;
			case 70:
				ret = 17.42;
				break;
			case 71:
				ret = 16.61;
				break;
			case 72:
				ret = 15.82;
				break;
			case 73:
				ret = 15.03;
				break;
			case 74:
				ret = 14.27;
				break;
			case 75:
				ret = 13.51;
				break;
			case 76:
				ret = 12.78;
				break;
			case 77:
				ret = 12.05;
				break;
			case 78:
				ret = 11.35;
				break;
			case 79:
				ret = 10.67;
				break;
			case 80:
				ret = 10.01;
				break;
			case 81:
				ret = 9.37;
				break;
			case 82:
				ret = 8.75;
				break;
			case 83:
				ret = 8.17;
				break;
			case 84:
				ret = 7.61;
				break;
			case 85:
				ret = 7.08;
				break;
			case 86:
				ret = 6.58;
				break;
			case 87:
				ret = 6.11;
				break;
			case 88:
				ret = 5.68;
				break;
			case 89:
				ret = 5.28;
				break;
			case 90:
				ret = 4.91;
				break;
			case 91:
				ret = 4.57;
				break;
			case 92:
				ret = 4.27;
				break;
			case 93:
				ret = 3.99;
				break;
			case 94:
				ret = 3.75;
				break;
			case 95:
				ret = 3.53;
				break;
			case 96:
				ret = 3.33;
				break;
			case 97:
				ret = 3.16;
				break;
			case 98:
				ret = 3.00;
				break;
			case 99:
				ret = 2.86;
				break;
			default:
				ret = 2.74; //just in case
				break;
		}
	}
}
	return ret;
}