. Author manuscript; available in PMC: 2015 Feb 5.
Published in final edited form as: Living 100 Monogr. 2014 Sep 15;2014:https://www.soa.org/Library/Monographs/Life/Living-To-100/2014/mono-li14-3a-gavrilova.pdf.
Copyright 2014 by the Society of Actuaries.