var ratios = Array();
var creditPlanDurationDefault = 120;
ratios[1] = Array();
ratios[1]['month'] = 24;
ratios[1]['ratio'] = 0.99;
ratios[2] = Array();
ratios[2]['month'] = 48;
ratios[2]['ratio'] = 0.99;
ratios[3] = Array();
ratios[3]['month'] = 60;
ratios[3]['ratio'] = 0.99;
ratios[0] = Array();
ratios[0]['month'] = 120;
ratios[0]['ratio'] = 1.09;