var ratios = Array();
var creditPlanDurationDefault = 60;
ratios[0] = Array();
ratios[0]['month'] = 12;
ratios[0]['ratio'] = 0.89;
ratios[1] = Array();
ratios[1]['month'] = 24;
ratios[1]['ratio'] = 0.92;
ratios[2] = Array();
ratios[2]['month'] = 36;
ratios[2]['ratio'] = 0.92;
ratios[3] = Array();
ratios[3]['month'] = 60;
ratios[3]['ratio'] = 0.95;
ratios[4] = Array();
ratios[4]['month'] = 84;
ratios[4]['ratio'] = 1.05;
ratios[5] = Array();
ratios[5]['month'] = 120;
ratios[5]['ratio'] = 1.05;