Q_A_EXP
IF ZERO_MORT = 1 AND AGE_AT_ENTRY < ZERO_TOL_AGE THEN
0
ELSE IF WL_POLICY = 1 AND t <= POL_TERM_Y * 12 - 11 THEN
1
ELSE IF t < DUR_M OR t < POL_TERM_M THEN
0
ELSE IF CROSS_FLAG = 0 THEN
MIN(Q_A_EXP_PN(a_proj_bas,t) * PROP_A_EQ_PC(a_proj_bas,t)/100
* (1 + CNG_PAD_MORT_PC / 100)
* (1 + MORT_SY_PC / 100), 1)
* (1 - ANN_CR_RATE_KX(t))
ELSE
MIN(Q_A_EXP_PN(a_proj_bas,t) * PROP_A_EQ_PC(a_proj_bas,t)/100
* (1 + CROSS_DEATH_PC_SEN_PC/100) * (1 + MORT_SY_PC / 100)
* (1 - ANN_CR_RATE_KX(t))
* (1 + CROSS_LONG_SEN_RATE(t) * CROSS_LONG_SEN_FLAG)
+ CROSS_DEATH_FLAT_SEN_RATE(t), 1)