EAC PV Tools updated

1. SL and JL present value functions have been enhanced to allow the use of monthly mortality rates (based on UDD). This allows for a slightly more precise calculation of present values especially when using segment interest rates.
   
   
2. User-defined mortality tables can be used. Create your own q's -- project, blend, combine, and feed into the function call.
   
   
3. 417(e)(3) applicable mortality tables are available (1995 through 2015). For example, to use the mortality table for lump sums paid in 2014, the table name is "LS2014".
   
   
4. SL and JL present value functions allow the user to specify the interest rate as 3 segment rates (for first 5 years, next 15 year, thereafter). For example, instead of entering interest as a single rate like ".0525" you can enter interest like ".0097/.035/.046" or ".97/3.5/4.6" or ".97%/3.5%/4.6%".
   
   
5. SL and JL present value functions allow the user to specify the interest rate as a yield curve. For example, instead of entering interest as a single rate like ".0525" you can enter interest as a "range" containing your own spot rates. ALSO, you can enter interest like "citi 3/2014" or "irs 4/2014" to use yield curve sport rates published by Citigroup and IRS. In order to do this you need to download yield curve files Citigroup Pension Discount Curve from the Society of Actuaries and Recent Yield Curve Spot Rates from the IRS and save them in the same folder where the add-in is saved.
   
   
6. A new function "EIRSL" (with the same calling syntax as PVSL) returns the effective interest rate. This is useful for when you are using segment rates or a full yield curve.