{RATE_18M, RATE_18M, RATE_12M, RATE_12M, RATE_12M},
{RATE_24M, RATE_24M, RATE_18M, RATE_12M, RATE_12M},
{RATE_36M, RATE_36M, RATE_24M, RATE_18M, RATE_18M},
{RATE_48M, RATE_48M, RATE_36M, RATE_24M, RATE_24M},
{RATE_54M, RATE_54M, RATE_48M, RATE_36M, RATE_36M}
};
{RATE_18M, RATE_18M, RATE_12M, RATE_12M, RATE_12M},
{RATE_24M, RATE_24M, RATE_18M, RATE_12M, RATE_12M},
{RATE_36M, RATE_36M, RATE_24M, RATE_18M, RATE_18M},
{RATE_48M, RATE_48M, RATE_36M, RATE_24M, RATE_24M},
{RATE_54M, RATE_54M, RATE_48M, RATE_36M, RATE_36M}
};