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Start with the left column.
Begin with the number 72,
add or subtract the value listed,
then continue the arithmetic in the next column.
(- means subtract, + means add)
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If you are male |
-3 |
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If female |
+4 |
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If you live in an urban area with a population over 2 million |
-2 |
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If you live in a town under 10,000 or on a farm |
+2 |
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If any grandparent lived to 85 |
+2 |
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If all four grandparents lived to 80 |
+6 |
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If either parent died of a stroke of heart attack before the age of 50 |
-4 |
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If any parent, brother or sister under 50 has (or had) cancer or a heart condition, or has had diabetes since childhood |
-3 |
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Do you earn over $50,000 a year? |
-2 |
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If you finished college |
+1 |
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If you have a graduate or professional degree |
+2 |
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If you are 65 or over and still working |
+3 |
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If you live with a spouse or friend |
+5 |
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If you do not live with a spouse or friend |
-3 for every ten years alone since age 25 |
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AGE ADJUSTMENT |
(continue calculation) |
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If you are between 30 and 40 |
+2 |
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If you are between 40 and 50 |
+2 |
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If you are between 50 and 70 |
+4 |
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