when frequency = 'daily' then .95
					when frequency = 'weekly' then .9
					when frequency = 'monthly' then .85
					else .8

					when frequency = 'daily' then .98
					when frequency = 'weekly' then .95
					when frequency = 'monthly' then .92
					else .89

					when frequency = 'daily' then .85
					when frequency = 'weekly' then .8
					when frequency = 'monthly' then .75
					else .7

					when frequency = 'daily' then .98
					when frequency = 'weekly' then .95
					when frequency = 'monthly' then .92
					else .89

					when frequency = 'weekly' then .95
					when frequency = 'monthly' then .9
					else .8

					when frequency = 'weekly' then .98
					when frequency = 'monthly' then .95
					else .92

					when frequency = 'daily' then .8
					when frequency = 'weekly' then .75
					when frequency = 'monthly' then .7
					else .65

					when frequency = 'daily' then .98
					when frequency = 'weekly' then .96
					when frequency = 'monthly' then .93
					else .9

					when frequency = 'daily' then .7
					when frequency = 'weekly' then .65
					when frequency = 'monthly' then .6
					else .55

					when frequency = 'daily' then .96
					when frequency = 'weekly' then .94
					when frequency = 'monthly' then .91
					else .88