One of the most important differences in coronary heart disease (CHD) is that the death rate from CHD is decreasing for men while it is constant or rising for women.

男女患冠心病（CHD）最大的不同之处是：男性死亡率在下降，而女性持高不降。

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We extend the traditional constant interest rate reserve model in life insurance with premium paid each year until death.

针对按年缴费的终身寿险模型，改进传统的常值利率的准备金模型。

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