diff --git a/R/Tables/AVOe_R.xlsx b/R/Tables/AVOe_R.xlsx
deleted file mode 100644
index 1e57b8f0169f4fa112da8885708f54192a2e8848..0000000000000000000000000000000000000000
Binary files a/R/Tables/AVOe_R.xlsx and /dev/null differ
diff --git a/R/Tables/Overview_Tables.ods b/R/Tables/Overview_Tables.ods
deleted file mode 100644
index 1a52a0cf19a36a1c5e93546f76698fdae7c2f256..0000000000000000000000000000000000000000
Binary files a/R/Tables/Overview_Tables.ods and /dev/null differ
diff --git a/R/ValuationTables_Austria_Annuities.R b/R/ValuationTables_Austria_Annuities.R
deleted file mode 100644
index 5ccfd271eee00c85cee91b30770d3cce5627791e..0000000000000000000000000000000000000000
--- a/R/ValuationTables_Austria_Annuities.R
+++ /dev/null
@@ -1,201 +0,0 @@
-# frame_files = lapply(sys.frames(), function(x) x$ofile)
-# frame_files = Filter(Negate(is.null), frame_files)
-# PATH <- dirname(frame_files[[length(frame_files)]])
-# rm(frame_files)
-# setwd(dirname(PATH))
-
-# setwd("R")
-library("openxlsx")
-
-
-
-###############################################################################
-### RR67 Rententafel für Männer, 3%
-###############################################################################
-
-rr67.data=openxlsx::read.xlsx("Tables/AVOe_R.xlsx",
-    sheet="OeVM59-61 RR67", startRow = 3, colNames = TRUE);
-
-rr67=valuationTable.period(
-  name="ÖVM 59/61 RR67", ages=rr67.data$Alter, deathProbs=rr67.data$qx
-);
-# rm(rr67.data);
-
-
-###############################################################################
-### EROM/EROF 85 and G 1985 (period and age-shifted generation)
-###############################################################################
-
-eromf.data=openxlsx::read.xlsx("Tables/AVOe_R.xlsx", sheet="EROM-F Basistafeln", startRow = 3)
-
-erom85.male=valuationTable.period(
-  name="EROM 85, male", ages=eromf.data$Alter, deathProbs=eromf.data$EROM.85
-);
-erom85.female=valuationTable.period(
-  name="EROF 85, female", ages=eromf.data$Alter, deathProbs=eromf.data$EROF.85
-);
-
-EROM.G1950.male=valuationTable.period(
-  name="EROM G 1950 Basistafel, male",
-  ages=eromf.data$Alter,
-  deathProbs=eromf.data$EROM.G1950,
-  baseYear=1950
-);
-EROF.G1950.female=valuationTable.period(
-  name="EROF G 1950 Basistafel, female",
-  ages=eromf.data$Alter,
-  deathProbs=eromf.data$EROF.G1950,
-  baseYear=1950
-);
-
-eromf.data.av=openxlsx::read.xlsx("Tables/AVOe_R.xlsx", sheet="EROM-F G AV", startRow = 3, rowNames = TRUE, colNames = TRUE)
-
-EROM.G1950.male.av=valuationTable.ageShift(
-  name="EROM G 1950 mit Altersverschiebung, male",
-  ages=eromf.data$Alter,
-  deathProbs=eromf.data$EROM.G1950,
-  ageShifts=eromf.data.av["Shift.M"],
-  baseYear=1950
-);
-EROF.G1950.female.av=valuationTable.ageShift(
-  name="EROF G 1950 mit Altersverschiebung, female",
-  ages=eromf.data$Alter,
-  deathProbs=eromf.data$EROF.G1950,
-  ageShifts=eromf.data.av["Shift.F"],
-  baseYear=1950
-);
-
-
-###############################################################################
-# AVÖ 1996R exact (Male, Female), 1st-order only
-###############################################################################
-
-AVOe1996R.exakt.data=openxlsx::read.xlsx("Tables/AVOe_R.xlsx",
-  sheet="AVOe 1996R exakt", startRow = 3, cols=c(1:6, 8:12));
-
-AVOe1996R.exakt.data
-AVOe1996R.trend.switching=function(year) {
-  if (year<=1971) {
-    15/(1991-year)
-  } else if (1971<year && year<1981) {
-    1+(year-1981)^2/(year-1991)/20
-  } else if (1981<=year && year<=2000) {
-    1
-  } else if (2000<year && year<2010) {
-    1-(year-2000)^2/(year-1991)/20
-  } else if (year>=2010) {
-    14/(year-1991)
-  }
-}
-
-AVÖ1996R.male=valuationTable.trendProjection(
-  name="AVÖ 1996R male",
-  ages=AVOe1996R.exakt.data$age, baseYear=1991,
-  deathProbs=AVOe1996R.exakt.data$qx1991 * AVOe1996R.exakt.data$factorM,
-  trend=AVOe1996R.exakt.data$trendM.long,
-  trend2=AVOe1996R.exakt.data$trendM.short,
-  dampingFunction=AVOe1996R.trend.switching
-);
-AVÖ1996R.female=valuationTable.trendProjection(
-  name="AVÖ 1996R female",
-  ages=AVOe1996R.exakt.data$age, baseYear=1991,
-  deathProbs=AVOe1996R.exakt.data$qy1991 * AVOe1996R.exakt.data$factorF,
-  trend=AVOe1996R.exakt.data$trendF.long,
-  trend2=AVOe1996R.exakt.data$trendF.short,
-  dampingFunction=AVOe1996R.trend.switching
-);
-AVÖ1996R.male.group=valuationTable.trendProjection(
-  name="AVÖ 1996R male, group",
-  ages=AVOe1996R.exakt.data$age, baseYear=1991,
-  deathProbs=AVOe1996R.exakt.data$qx1991 * AVOe1996R.exakt.data$factorMG,
-  trend=AVOe1996R.exakt.data$trendM.long,
-  trend2=AVOe1996R.exakt.data$trendM.short,
-  dampingFunction=AVOe1996R.trend.switching
-);
-AVÖ1996R.female.group=valuationTable.trendProjection(
-  name="AVÖ 1996R female, group",
-  ages=AVOe1996R.exakt.data$age, baseYear=1991,
-  deathProbs=AVOe1996R.exakt.data$qy1991 * AVOe1996R.exakt.data$factorFG,
-  trend=AVOe1996R.exakt.data$trendF.long,
-  trend2=AVOe1996R.exakt.data$trendF.short,
-  dampingFunction=AVOe1996R.trend.switching
-);
-
-
-
-###############################################################################
-# AVÖ 2005R exact (Male, Female, unisex)
-# gender-specific tables also have 2nd-order tables, unisex only 1st-order table
-###############################################################################
-
-AVOe2005R.exakt.data=openxlsx::read.xlsx("Tables/AVOe_R.xlsx", sheet="AVOe 2005R", startRow = 3, cols=c(1:7, 9:14, 16:18));
-
-AVOe2005R.trend.damping=function(t) {
-  100*atan(t/100)
-}
-AVOe2005R_gen=function(nm, probs, trend) {
-  with(
-    AVOe2005R.exakt.data,
-    valuationTable.trendProjection(
-      name=nm,
-      ages=age, baseYear=2001,
-      deathProbs=AVOe2005R.exakt.data[[probs]], trend=AVOe2005R.exakt.data[[trend]],
-      dampingFunction=AVOe2005R.trend.damping
-    )
-  )
-}
-
-AVOe2005R.male  =AVOe2005R_gen("AVÖ 2005R male (exact), loaded",   "qx2001", "trendM");
-AVOe2005R.female=AVOe2005R_gen("AVÖ 2005R female (exact), loaded", "qy2001", "trendF");
-AVOe2005R.unisex=AVOe2005R_gen("AVÖ 2005R unisex (exact), loaded", "qu2001", "trendU");
-AVOe2005R.male.unloaded  =AVOe2005R_gen("AVÖ 2005R male (exact), unloaded",   "qx2001.2Ord", "trendM.2Ord");
-AVOe2005R.female.unloaded=AVOe2005R_gen("AVÖ 2005R female (exact), unloaded", "qy2001.2Ord", "trendF.2Ord");
-AVOe2005R.male.group  =AVOe2005R_gen("AVÖ 2005R male group (exact), loaded",   "qx2001G", "trendM");
-AVOe2005R.female.group=AVOe2005R_gen("AVÖ 2005R female group (exact), loaded", "qy2001G", "trendF");
-AVOe2005R.unisex.group=AVOe2005R_gen("AVÖ 2005R unisex group (exact), loaded", "qu2001G", "trendU");
-
-AVOe2005R.male.nodamping            = undampenTrend(AVOe2005R.male);
-AVOe2005R.female.nodamping          = undampenTrend(AVOe2005R.female);
-AVOe2005R.unisex.nodamping          = undampenTrend(AVOe2005R.unisex);
-AVOe2005R.male.nodamping.unloaded   = undampenTrend(AVOe2005R.male.unloaded);
-AVOe2005R.female.nodamping.unloaded = undampenTrend(AVOe2005R.female.unloaded);
-AVOe2005R.male.nodamping.group      = undampenTrend(AVOe2005R.male.group);
-AVOe2005R.female.nodamping.group    = undampenTrend(AVOe2005R.female.group);
-AVOe2005R.unisex.nodamping.group    = undampenTrend(AVOe2005R.unisex.group);
-
-
-###############################################################################
-#AVÖ 2005R with age-shifting (Male, Female, unisex), 1st-order only
-###############################################################################
-
-AVOe2005R.av.base = openxlsx::read.xlsx("Tables/AVOe_R.xlsx", sheet="AVOe 2005R AV Basistafel", startRow = 3, rowNames = FALSE);
-AVOe2005R.av.verschiebung = openxlsx::read.xlsx("Tables/AVOe_R.xlsx", sheet="AVOe 2005R AV Verschiebung", startRow = 3, rowNames = TRUE);
-
-AVOe2005R_gen.av=function(nm, probs, shft) {
-  valuationTable.ageShift(
-    name=nm,
-    ages=AVOe2005R.av.base$age,
-    deathProbs=AVOe2005R.av.base[[probs]],
-    ageShifts=na.omit(AVOe2005R.av.verschiebung[shft])
-  )
-}
-
-AVOe2005R.male.av  =AVOe2005R_gen.av("AVÖ 2005R male (age-shifted), loaded",   "qx1965", "shiftM");
-AVOe2005R.female.av=AVOe2005R_gen.av("AVÖ 2005R female (age-shifted), loaded", "qy1965", "shiftF");
-AVOe2005R.unisex.av=AVOe2005R_gen.av("AVÖ 2005R unisex (age-shifted), loaded", "qu1972", "shiftU");
-AVOe2005R.male.group.av  =AVOe2005R_gen.av("AVÖ 2005R male group (age-shifted), loaded",   "qx1965G", "shiftMG");
-AVOe2005R.female.group.av=AVOe2005R_gen.av("AVÖ 2005R female group (age-shifted), loaded", "qy1965G", "shiftFG");
-AVOe2005R.unisex.group.av=AVOe2005R_gen.av("AVÖ 2005R unisex group (age-shifted), loaded", "qu1972G", "shiftUG");
-
-
-
-###############################################################################
-
-# options("scipen" = 3, "digits"=10)
-# t=AVOe2005R.unisex;
-# deathProbabilities(t, YOB=1981)
-
-# plotValuationTables(mort.AT.census.1869.male, mort.AT.census.1869.female, mort.AT.census.2011.male, mort.AT.census.2011.female, AVOe2005R.male, AVOe2005R.female, YOB=1972,title="Vergleich österreichische Sterbetafeln, YOB=1972 (bei Generationentafeln)")
-#
-# plotValuationTables(mort.AT.census.2001.male, AVOe2005R.male, YOB=1972, title="Vergleich österreichische Sterbetafeln")
-plotValuationTables(getCohortTable(AVOe2005R.male, YOB=1972), getCohortTable(AVOe2005R.male, YOB=2016), title="Vergleich österreichische Sterbetafeln")
diff --git a/data/Austria_Annuities_AVOe1996R.csv b/data/Austria_Annuities_AVOe1996R.csv
new file mode 100644
index 0000000000000000000000000000000000000000..158b7b884f24864b50324fde3ff8a345c2018cf3
--- /dev/null
+++ b/data/Austria_Annuities_AVOe1996R.csv
@@ -0,0 +1,117 @@
+AVÖ 1996R Generationentafeln,,,,,,,,,,
+,Männer,,,,,Frauen,,,,
+age,qx1991,trendM long,trendM short,factorMG,factorM,qy1991,trendF long,trendF short,factorFG,factorF
+0,0.0084686,0.045780839322034,0.062792362,0.8,0.8,0.0067104,0.049763218294738,0.049763218294738,0.8,0.8
+1,0.0005477,0.0455624991333896,0.046734646,0.8,0.8,0.0005155,0.0463588998451518,0.0463588998451518,0.8,0.8
+2,0.0004539,0.0445589383626771,0.046695544,0.8,0.8,0.0004117,0.045568312499516,0.045568312499516,0.8,0.8
+3,0.0003739,0.0429663572317243,0.046656442,0.8,0.8,0.0003175,0.044453791013854,0.044453791013854,0.8,0.8
+4,0.0003086,0.0410116158440628,0.046617341,0.8,0.8,0.0002377,0.0431260876112459,0.0431260876112459,0.8,0.8
+5,0.0002571,0.0389562493886482,0.046578239,0.8,0.8,0.0001803,0.0417058756205811,0.0417058756205811,0.8,0.8
+6,0.0002165,0.0371009184621877,0.046539137,0.8,0.8,0.0001413,0.0403248573727864,0.0403248573727864,0.8,0.8
+7,0.0001897,0.0357903018243682,0.046500036,0.8,0.8,0.0001183,0.0391269753222444,0.0391269753222444,0.8,0.8
+8,0.0001677,0.035418452426267,0.046460934,0.8,0.8,0.0001066,0.0382697173174771,0.0382697173174771,0.8,0.8
+9,0.0001532,0.0354636812851688,0.046421832,0.8,0.8,0.0001012,0.0375563071959882,0.0375563071959882,0.8,0.8
+10,0.0001495,0.0350190955,0.04638273,0.8,0.8,0.0000992,0.03667394928,0.0369984,0.8,0.8
+11,0.0001565,0.0339619677534714,0.046343629,0.8,0.8,0.0001005,0.0356215813061646,0.036432,0.8,0.8
+12,0.0001716,0.0321995390445823,0.046304527,0.8,0.8,0.000107,0.0344046249791861,0.0359904,0.8,0.8
+13,0.0001979,0.0296723266432079,0.046265425,0.8,0.8,0.0001205,0.0330356125475103,0.035616,0.8,0.8
+14,0.000262,0.026357509630484,0.045430811,0.8,0.8,0.0001495,0.0315648,0.0353285088,0.8,0.8
+15,0.0003961,0.0222722741962857,0.043005172,0.8,0.8,0.000207,0.0301152,0.0350799264,0.8,0.8
+16,0.0006237,0.01928,0.038988508,0.8,0.8,0.0002816,0.0290592,0.034831344,0.8,0.8
+17,0.0009624,0.01751,0.03474,0.8,0.8,0.0003294,0.02808,0.0345827616,0.8,0.8
+18,0.0013468,0.01673,0.0319,0.8,0.8,0.0003751,0.0274848,0.0343341792,0.8,0.8
+19,0.0015062,0.01634,0.03063,0.8,0.8,0.0004028,0.0271584,0.0340855968,0.8,0.8
+20,0.0014673,0.016,0.03006854,0.8,0.8,0.0004047,0.02680536,0.0338370144,0.8,0.8
+21,0.0013739,0.01591546,0.02988563,0.8,0.8,0.0003893,0.0265969632,0.033588432,0.8,0.8
+22,0.0012821,0.01582696,0.02970619,0.8,0.8,0.0003696,0.0263868576,0.033341616,0.8,0.8
+23,0.0012317,0.01573457,0.02952998,0.8,0.8,0.0003553,0.0261750336,0.0330964608,0.8,0.8
+24,0.0012004,0.01563835,0.02935677,0.8,0.8,0.0003446,0.0259614912,0.0328528608,0.8,0.8
+25,0.0011736,0.01553836,0.02918632,0.8,0.8,0.0003383,0.0257462016,0.0326107008,0.8,0.8
+26,0.001159,0.01543467,0.02901841,0.8,0.8,0.0003501,0.0255291552,0.0323698752,0.8,0.8
+27,0.0011614,0.01532733,0.0288528,0.8,0.8,0.0003747,0.0253103616,0.0321302688,0.8,0.8
+28,0.0011766,0.01521642,0.02868925,0.8,0.8,0.0004077,0.025089792,0.0318917664,0.8,0.8
+29,0.0012047,0.015102,0.02852754,0.8,0.8,0.0004413,0.0248674368,0.031654272,0.8,0.8
+30,0.0012464,0.01498413,0.02836743,0.8,0.8,0.0004719,0.0246433056,0.0314176704,0.8,0.8
+31,0.0013043,0.01486287,0.02820869,0.8,0.8,0.0005098,0.02441736,0.031181856,0.8,0.8
+32,0.0013837,0.01473829,0.02805109,0.8,0.8,0.0005565,0.0241896096,0.030946704,0.8,0.8
+33,0.0014691,0.01461044,0.02789439,0.8,0.8,0.0006056,0.0239600352,0.030712128,0.8,0.8
+34,0.0015485,0.01447941,0.02773836,0.8,0.8,0.000655,0.0237286272,0.0304779936,0.8,0.8
+35,0.0016246,0.01434524,0.02758277,0.8,0.8,0.0007127,0.023495376,0.0302442144,0.8,0.8
+36,0.0017037,0.014208,0.02742738,0.8,0.8,0.0007879,0.023260272,0.0300106656,0.8,0.8
+37,0.0017987,0.01406776,0.02727197,0.8,0.8,0.0008761,0.0230233056,0.029777232,0.8,0.8
+38,0.001941,0.01392457,0.0271163,0.8,0.8,0.0009748,0.0227844576,0.0295438272,0.8,0.8
+39,0.0021488,0.01377851,0.02696014,0.8,0.8,0.0010854,0.0225437376,0.0293103168,0.8,0.8
+40,0.0024129,0.01362963,0.02680325,0.8,0.8,0.0012084,0.0223011168,0.0290766048,0.8,0.8
+41,0.0027102,0.013478,0.0266454,0.8,0.8,0.0013513,0.0220565856,0.028842576,0.8,0.8
+42,0.003018,0.01332368,0.02648636,0.8,0.8,0.0015136,0.021810144,0.0286081344,0.8,0.8
+43,0.0033313,0.01316674,0.0263259,0.8,0.8,0.0016826,0.0215617824,0.0283731456,0.8,0.8
+44,0.0036547,0.01300724,0.02616378,0.8,0.8,0.0018489,0.021311472,0.0281375232,0.8,0.8
+45,0.0039948,0.01284524,0.02599978,0.8,0.8,0.0020112,0.0210592224,0.0279011424,0.8,0.8
+46,0.0043519,0.0126808,0.02583365,0.8,0.8,0.0021721,0.0208050144,0.0276638976,0.8,0.8
+47,0.0047251,0.012514,0.02566517,0.8,0.8,0.0023381,0.0205488384,0.0274256832,0.8,0.8
+48,0.0051126,0.01234489,0.0254941,0.8,0.8,0.0025167,0.0202906848,0.027186384,0.8,0.8
+49,0.005521,0.01217353,0.02532021,0.8,0.8,0.0027108,0.020030544,0.0269458944,0.8,0.8
+50,0.0059701,0.012,0.02514327,0.8,0.8,0.0029238,0.0197684064,0.0267041088,0.8,0.8
+51,0.0064826,0.01182435,0.02496304,0.78,0.78,0.0031576,0.0195042528,0.0264609024,0.78,0.78
+52,0.0070816,0.01164665,0.0247793,0.76,0.76,0.0034169,0.0192380832,0.0262161792,0.76,0.76
+53,0.0077817,0.01146695,0.0245918,0.74,0.74,0.0037033,0.0189698784,0.025969824,0.74,0.74
+54,0.0085851,0.01128533,0.02440032,0.72,0.72,0.0040175,0.0186996384,0.0257217312,0.72,0.72
+55,0.0094913,0.01110185,0.02420463,0.7,0.7,0.0043607,0.018427344,0.0254717856,0.7,0.7
+56,0.0104969,0.01091657,0.02400449,0.68,0.68,0.0047324,0.0181529952,0.0252198816,0.68,0.68
+57,0.0115953,0.01072956,0.02379966,0.67,0.66,0.0051322,0.0178765728,0.024965904,0.67,0.66
+58,0.0127831,0.01054087,0.02358992,0.67,0.64,0.0055619,0.0175980672,0.0247097472,0.67,0.64
+59,0.0140661,0.01035057,0.02337503,0.67,0.62,0.0060314,0.0173174592,0.0244513056,0.67,0.62
+60,0.0154529,0.01015873,0.02315477,0.67,0.6,0.0065642,0.0170347584,0.024190464,0.67,0.6
+61,0.0169422,0.00996541,0.02292889,0.67567911,0.606497636946269,0.0071846,0.0167499456,0.0239271168,0.67018259,0.601563894964179
+62,0.0185334,0.00977067,0.02269716,0.68138971,0.613047339086567,0.0079052,0.0164630112,0.0236611488,0.67058979,0.603330634943284
+63,0.0202352,0.00957457,0.02245936,0.68713219,0.619649655519403,0.0087342,0.016173936,0.0233924544,0.67122483,0.605304540725373
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diff --git a/data/Austria_Annuities_AVOe2005R.csv b/data/Austria_Annuities_AVOe2005R.csv
new file mode 100644
index 0000000000000000000000000000000000000000..e951935c28ee0c42d3cb3da293d104192125c42a
--- /dev/null
+++ b/data/Austria_Annuities_AVOe2005R.csv
@@ -0,0 +1,125 @@
+Rententafel AVÖ 2005R,,,,,,,"Rententafel AVÖ 2005R, 2. Ordnung",,,,,,,Rententafel AVÖ 2005R Unisex,,,
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diff --git a/data/Austria_Annuities_AVOe2005R_AVBasis.csv b/data/Austria_Annuities_AVOe2005R_AVBasis.csv
new file mode 100644
index 0000000000000000000000000000000000000000..67c7b33318715591390716e696a766b0843dfedf
--- /dev/null
+++ b/data/Austria_Annuities_AVOe2005R_AVBasis.csv
@@ -0,0 +1,124 @@
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diff --git a/data/Austria_Annuities_AVOe2005R_AVShifts.csv b/data/Austria_Annuities_AVOe2005R_AVShifts.csv
new file mode 100644
index 0000000000000000000000000000000000000000..1c177f5c84115492f50a278322da81b679896e8d
--- /dev/null
+++ b/data/Austria_Annuities_AVOe2005R_AVShifts.csv
@@ -0,0 +1,121 @@
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diff --git a/data/Austria_Annuities_EROMF.csv b/data/Austria_Annuities_EROMF.csv
new file mode 100644
index 0000000000000000000000000000000000000000..23eb4ecdbf02cc1cf58f25289fc877709fe90c02
--- /dev/null
+++ b/data/Austria_Annuities_EROMF.csv
@@ -0,0 +1,104 @@
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diff --git a/data/Austria_Annuities_EROMF_AV.csv b/data/Austria_Annuities_EROMF_AV.csv
new file mode 100644
index 0000000000000000000000000000000000000000..fc6ff73ea93910932067ba51b7ac3572d74eccc6
--- /dev/null
+++ b/data/Austria_Annuities_EROMF_AV.csv
@@ -0,0 +1,54 @@
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diff --git a/data/Austria_Annuities_RR67.csv b/data/Austria_Annuities_RR67.csv
new file mode 100644
index 0000000000000000000000000000000000000000..3aa214fa9db278d688998cc5f1aa20032e160474
--- /dev/null
+++ b/data/Austria_Annuities_RR67.csv
@@ -0,0 +1,103 @@
+Sterbetafel ÖV 1959/61 Männer - RR67,
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diff --git a/data/Austria_Census_Female.csv b/data/Austria_Census_Female.csv
new file mode 100644
index 0000000000000000000000000000000000000000..433d92bea113abd8325ec4d5dc32290b76896909
--- /dev/null
+++ b/data/Austria_Census_Female.csv
@@ -0,0 +1,117 @@
+Census-Mortality Tables Austrian Females,,,,,,,,,,,,,
+Source: Statistik Austria. Alexander Hanika,,,,,,,,,,,,,
+,,,,,,,,,,,,,
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diff --git a/data/Austria_Census_Male.csv b/data/Austria_Census_Male.csv
new file mode 100644
index 0000000000000000000000000000000000000000..b2fe46a9b716e12e5b6fe52e8b2ca25618bee22c
--- /dev/null
+++ b/data/Austria_Census_Male.csv
@@ -0,0 +1,117 @@
+Census-Mortality Tables Austrian Males,,,,,,,,,,,,,
+Source: Statistik Austria. Alexander Hanika,,,,,,,,,,,,,
+,,,,,,,,,,,,,
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+87,0.298775,0.289031,0.245755,0.260225,0.261278,0.25459,0.22629,0.21895,0.21276,0.203326,0.1767471,0.1531484,0.134003344736063
+88,0.312881,0.309983,0.267829,0.28007,0.27807,0.27166,0.24236,0.23416,0.22632,0.217492,0.1903175,0.1676838,0.148824497505413
+89,0.330972,0.337542,0.312164,0.306432,0.295664,0.29667,0.25914,0.25002,0.2401,0.23235,0.2050741,0.1839279,0.164790495304271
+90,0.332004,0.327006,0.295563,0.3068,0.312958,0.31273,0.27665,0.26655,0.25409,0.247977,0.2213,0.2020555,0.181888112760169
+91,,,,,,0.33292,0.29491,0.2838,0.2683,0.264435,0.2390753,0.2221826,0.200088269846977
+92,,,,,,0.33672,0.31397,0.30179,0.28273,0.281777,0.2583662,0.2440479,0.219345334689177
+93,,,,,,0.35505,0.33386,0.32055,0.29737,0.29994,0.2788847,0.2672621,0.239596707006356
+94,,,,,,0.3779,0.35461,0.34012,0.31223,0.318781,0.3002757,0.2914275,0.260762862843297
+95,,,,,,0.39,0.37626,0.36052,0.32731,0.338075,0.3222411,0.3162331,0.282747906996984
+96,,,,,,0.4125,0.39886,0.38181,0.3426,0.357614,0.3444248,0.3414812,0.305440646120197
+97,,,,,,0.435,0.42243,0.404,0.35811,0.377275,0.3665705,0.3670574,0.328716241821161
+98,,,,,,0.46,0.44703,0.42715,0.37383,0.39699,0.3886051,0.3928725,0.352438339954358
+99,,,,,,0.485,0.4727,0.45129,0.38978,0.416711,0.4105795,0.4188563,0.376461610299673
+100,,,,,,0.51,0.49948,0.47647,0.40593,1,1,0.4449421,1
+101,,,,,,,,,,,,0.4710857,
+102,,,,,,,,,,,,0.4972566,
+103,,,,,,,,,,,,0.5234342,
+104,,,,,,,,,,,,0.5496121,
+105,,,,,,,,,,,,0.57579,
+106,,,,,,,,,,,,0.6019685,
+107,,,,,,,,,,,,0.628148,
+108,,,,,,,,,,,,0.6543293,
+109,,,,,,,,,,,,0.6805127,
+110,,,,,,,,,,,,0.706699,
+111,,,,,,,,,,,,0.7328886,
+112,,,,,,,,,,,,0.7590821,
diff --git a/data/ValuationTables_Austria_Annuities.R b/data/ValuationTables_Austria_Annuities.R
new file mode 100644
index 0000000000000000000000000000000000000000..93c0c2c9a8f55b3e2ef01caddd13827a038cff47
--- /dev/null
+++ b/data/ValuationTables_Austria_Annuities.R
@@ -0,0 +1,199 @@
+stopifnot(require(methods), require(utils), require(ValuationTables)) # ValuationTable classes; new; Excel reader
+
+
+###############################################################################
+### RR67 Rententafel für Männer, 3%
+###############################################################################
+
+rr67.data = utils::read.csv("Tables/Austria_Annuities_RR67.csv", skip=2)
+
+rr67 = ValuationTables::valuationTable_period(
+  name = "ÖVM 59/61 RR67", ages = rr67.data$Alter, deathProbs = rr67.data$qx
+);
+rm(rr67.data);
+
+
+###############################################################################
+### EROM/EROF 85 and G 1985 (period and age-shifted generation)
+###############################################################################
+
+# eromf.data = openxlsx::read.xlsx("Tables/AVOe_R.xlsx", sheet = "EROM-F Basistafeln", startRow = 3)
+eromf.data = utils::read.csv("Tables/Austria_Annuities_EROMF.csv", skip=2)
+
+erom85.male = new("valuationTable_period",
+  name = "EROM 85, male", ages = eromf.data$Alter, deathProbs = eromf.data$EROM.85
+);
+erom85.female = new("valuationTable_period",
+  name = "EROF 85, female", ages = eromf.data$Alter, deathProbs = eromf.data$EROF.85
+);
+
+EROM.G1950.male = new("valuationTable_period",
+  name = "EROM G 1950 Basistafel, male",
+  ages = eromf.data$Alter,
+  deathProbs = eromf.data$EROM.G1950,
+  baseYear = 1950
+);
+EROF.G1950.female = new("valuationTable_period",
+  name = "EROF G 1950 Basistafel, female",
+  ages = eromf.data$Alter,
+  deathProbs = eromf.data$EROF.G1950,
+  baseYear = 1950
+);
+
+# eromf.data.av = openxlsx::read.xlsx("Tables/AVOe_R.xlsx", sheet = "EROM-F G AV", startRow = 3, rowNames = TRUE, colNames = TRUE)
+eromf.data.av = utils::read.csv("Tables/Austria_Annuities_EROMF_AV.csv", skip=2)
+
+EROM.G1950.male.av = valuationTable_ageShift(
+  name = "EROM G 1950 mit Altersverschiebung, male",
+  ages = eromf.data$Alter,
+  deathProbs = eromf.data$EROM.G1950,
+  ageShifts = eromf.data.av["Shift.M"],
+  baseYear = 1950
+);
+EROF.G1950.female.av = valuationTable_ageShift(
+  name = "EROF G 1950 mit Altersverschiebung, female",
+  ages = eromf.data$Alter,
+  deathProbs = eromf.data$EROF.G1950,
+  ageShifts = eromf.data.av["Shift.F"],
+  baseYear = 1950
+);
+
+rm(eromf.data, eromf.data.av)
+
+
+###############################################################################
+# AVÖ 1996R exact (Male, Female), 1st-order only
+###############################################################################
+
+# AVOe1996R.exakt.data = openxlsx::read.xlsx("Tables/AVOe_R.xlsx",
+  # sheet = "AVOe 1996R exakt", startRow = 3, cols = c(1:6, 8:12));
+AVOe1996R.exakt.data = utils::read.csv("Tables/Austria_Annuities_AVOe1996R.csv", skip=2)
+
+AVOe1996R.trend.switching = function(year) {
+  if (year <= 1971) {
+    15/(1991-year)
+  } else if (1971 < year && year < 1981) {
+    1+(year-1981)^2/(year-1991)/20
+  } else if (1981 <= year && year <= 2000) {
+    1
+  } else if (2000 < year && year < 2010) {
+    1-(year-2000)^2/(year-1991)/20
+  } else if (year >= 2010) {
+    14/(year-1991)
+  }
+}
+
+AVÖ1996R.male = new("valuationTable_trendProjection",
+  name = "AVÖ 1996R male",
+  ages = AVOe1996R.exakt.data$age, baseYear = 1991,
+  deathProbs = AVOe1996R.exakt.data$qx1991 * AVOe1996R.exakt.data$factorM,
+  trend = AVOe1996R.exakt.data$trendM.long,
+  trend2 = AVOe1996R.exakt.data$trendM.short,
+  dampingFunction = AVOe1996R.trend.switching
+);
+AVÖ1996R.female = new("valuationTable_trendProjection",
+  name = "AVÖ 1996R female",
+  ages = AVOe1996R.exakt.data$age, baseYear = 1991,
+  deathProbs = AVOe1996R.exakt.data$qy1991 * AVOe1996R.exakt.data$factorF,
+  trend = AVOe1996R.exakt.data$trendF.long,
+  trend2 = AVOe1996R.exakt.data$trendF.short,
+  dampingFunction = AVOe1996R.trend.switching
+);
+AVÖ1996R.male.group = new("valuationTable_trendProjection",
+  name = "AVÖ 1996R male, group",
+  ages = AVOe1996R.exakt.data$age, baseYear = 1991,
+  deathProbs = AVOe1996R.exakt.data$qx1991 * AVOe1996R.exakt.data$factorMG,
+  trend = AVOe1996R.exakt.data$trendM.long,
+  trend2 = AVOe1996R.exakt.data$trendM.short,
+  dampingFunction = AVOe1996R.trend.switching
+);
+AVÖ1996R.female.group = new("valuationTable_trendProjection",
+  name = "AVÖ 1996R female, group",
+  ages = AVOe1996R.exakt.data$age, baseYear = 1991,
+  deathProbs = AVOe1996R.exakt.data$qy1991 * AVOe1996R.exakt.data$factorFG,
+  trend = AVOe1996R.exakt.data$trendF.long,
+  trend2 = AVOe1996R.exakt.data$trendF.short,
+  dampingFunction = AVOe1996R.trend.switching
+);
+
+rm(AVOe1996R.exakt.data)
+
+
+
+###############################################################################
+# AVÖ 2005R exact (Male, Female, unisex)
+# gender-specific tables also have 2nd-order tables, unisex only 1st-order table
+###############################################################################
+
+# AVOe2005R.exakt.data = openxlsx::read.xlsx("Tables/AVOe_R.xlsx", sheet = "AVOe 2005R", startRow = 3, cols = c(1:7, 9:14, 16:18));
+AVOe2005R.exakt.data = utils::read.csv("Tables/Austria_Annuities_AVOe2005R.csv", skip = 2);
+
+AVOe2005R.trend.damping = function(t) {
+  100*atan(t/100)
+}
+AVOe2005R_gen = function(nm, probs, trend) {
+  with(
+    AVOe2005R.exakt.data,
+    new("valuationTable_trendProjection",
+      name = nm,
+      ages = age, baseYear = 2001,
+      deathProbs = AVOe2005R.exakt.data[[probs]], trend = AVOe2005R.exakt.data[[trend]],
+      dampingFunction = AVOe2005R.trend.damping
+    )
+  )
+}
+
+AVOe2005R.male            = AVOe2005R_gen("AVÖ 2005R male (exact), loaded",   "qx2001", "trendM");
+AVOe2005R.female          = AVOe2005R_gen("AVÖ 2005R female (exact), loaded", "qy2001", "trendF");
+AVOe2005R.unisex          = AVOe2005R_gen("AVÖ 2005R unisex (exact), loaded", "qu2001", "trendU");
+AVOe2005R.male.unloaded   = AVOe2005R_gen("AVÖ 2005R male (exact), unloaded",   "qx2001.2Ord", "trendM.2Ord");
+AVOe2005R.female.unloaded = AVOe2005R_gen("AVÖ 2005R female (exact), unloaded", "qy2001.2Ord", "trendF.2Ord");
+AVOe2005R.male.group      = AVOe2005R_gen("AVÖ 2005R male group (exact), loaded",   "qx2001G", "trendM");
+AVOe2005R.female.group    = AVOe2005R_gen("AVÖ 2005R female group (exact), loaded", "qy2001G", "trendF");
+AVOe2005R.unisex.group    = AVOe2005R_gen("AVÖ 2005R unisex group (exact), loaded", "qu2001G", "trendU");
+
+AVOe2005R.male.nodamping            = undampenTrend(AVOe2005R.male);
+AVOe2005R.female.nodamping          = undampenTrend(AVOe2005R.female);
+AVOe2005R.unisex.nodamping          = undampenTrend(AVOe2005R.unisex);
+AVOe2005R.male.nodamping.unloaded   = undampenTrend(AVOe2005R.male.unloaded);
+AVOe2005R.female.nodamping.unloaded = undampenTrend(AVOe2005R.female.unloaded);
+AVOe2005R.male.nodamping.group      = undampenTrend(AVOe2005R.male.group);
+AVOe2005R.female.nodamping.group    = undampenTrend(AVOe2005R.female.group);
+AVOe2005R.unisex.nodamping.group    = undampenTrend(AVOe2005R.unisex.group);
+
+
+###############################################################################
+#AVÖ 2005R with age-shifting (Male, Female, unisex), 1st-order only
+###############################################################################
+
+AVOe2005R.av.base = openxlsx::read.xlsx("Tables/AVOe_R.xlsx", sheet = "AVOe 2005R AV Basistafel", startRow = 3, rowNames = FALSE);
+AVOe2005R.av.verschiebung = openxlsx::read.xlsx("Tables/AVOe_R.xlsx", sheet = "AVOe 2005R AV Verschiebung", startRow = 3, rowNames = TRUE);
+
+AVOe2005R_gen.av = function(nm, probs, shft) {
+  new("valuationTable_ageShift",
+    name = nm,
+    ages = AVOe2005R.av.base$age,
+    deathProbs = AVOe2005R.av.base[[probs]],
+    ageShifts = na.omit(AVOe2005R.av.verschiebung[shft])
+  )
+}
+
+AVOe2005R.male.av = AVOe2005R_gen.av("AVÖ 2005R male (age-shifted), loaded",   "qx1965", "shiftM");
+AVOe2005R.female.av = AVOe2005R_gen.av("AVÖ 2005R female (age-shifted), loaded", "qy1965", "shiftF");
+AVOe2005R.unisex.av = AVOe2005R_gen.av("AVÖ 2005R unisex (age-shifted), loaded", "qu1972", "shiftU");
+AVOe2005R.male.group.av = AVOe2005R_gen.av("AVÖ 2005R male group (age-shifted), loaded",   "qx1965G", "shiftMG");
+AVOe2005R.female.group.av = AVOe2005R_gen.av("AVÖ 2005R female group (age-shifted), loaded", "qy1965G", "shiftFG");
+AVOe2005R.unisex.group.av = AVOe2005R_gen.av("AVÖ 2005R unisex group (age-shifted), loaded", "qu1972G", "shiftUG");
+
+
+
+###############################################################################
+
+# options("scipen" = 3, "digits" = 10)
+# t = AVOe2005R.unisex;
+# deathProbabilities(t, YOB = 1981)
+
+# plotValuationTables(mort.AT.census.1869.male, mort.AT.census.1869.female, mort.AT.census.2011.male, mort.AT.census.2011.female, AVOe2005R.male, AVOe2005R.female, YOB = 1972,title = "Vergleich österreichische Sterbetafeln, YOB = 1972 (bei Generationentafeln)")
+#
+# plotValuationTables(mort.AT.census.2001.male, AVOe2005R.male, YOB = 1972, title = "Vergleich österreichische Sterbetafeln")
+# plotValuationTables(getCohortTable(AVOe2005R.male, YOB = 1972), getCohortTable(AVOe2005R.male, YOB = 2016), title = "Vergleich österreichische Sterbetafeln")
diff --git a/R/ValuationTables_Austria_Census.R b/data/ValuationTables_Austria_Census.R
similarity index 92%
rename from R/ValuationTables_Austria_Census.R
rename to data/ValuationTables_Austria_Census.R
index 7d6cf431767cdb6b8948fe185eae8b1b9ba622e0..5f9dd0508424e07c59b6db6f16edf56127033a0f 100644
--- a/R/ValuationTables_Austria_Census.R
+++ b/data/ValuationTables_Austria_Census.R
@@ -5,6 +5,8 @@
 # setwd(dirname(PATH))
 
 library("openxlsx")
+# library("ggplot2")
+library("ValuationTables")
 
 
 
@@ -20,7 +22,7 @@ a.vz.dataF = openxlsx::read.xlsx("Tables/A_Volkszaehlungen.xlsx", sheet="Austria
 censtable = function(data, name, qslot, baseYear=1900) {
   qx=data[names(data)==qslot];
   ix=complete.cases(qx);
-  valuationTable.period(name=name, ages=data$x[ix], deathProbs=qx[ix,], baseYear=baseYear)
+  valuationTable_period(name=name, ages=data$x[ix], deathProbs=qx[ix,], baseYear=baseYear)
 }
 
 mort.AT.census.1869.male = censtable(a.vz.dataM, name="ÖVSt 1868/71 M",   baseYear=1869, qslot="1868/71");
@@ -51,7 +53,7 @@ mort.AT.census.1991.female = censtable(a.vz.dataF, name="ÖVSt 1990/92 F",   bas
 mort.AT.census.2001.female = censtable(a.vz.dataF, name="ÖVSt 2000/02 F",   baseYear=2001, qslot="2000/02");
 mort.AT.census.2011.female = censtable(a.vz.dataF, name="ÖVSt 2010/2012 F", baseYear=2011, qslot="2010/12");
 
-mort.AT.census.2001.unisex = valuationTable.mixed(table1=mort.AT.census.2001.male, table2=mort.AT.census.2001.female)
+mort.AT.census.2001.unisex = valuationTable_mixed(table1=mort.AT.census.2001.male, table2=mort.AT.census.2001.female)
 
 mort.AT.census.ALL.male = makeQxDataFrame(
               mort.AT.census.1869.male,
@@ -87,5 +89,5 @@ rm(a.vz.dataM, a.vz.dataF, censtable)
 
 ###############################################################################
 
-plotValuationTables(mort.AT.census.ALL.male, title="Vergleich österreichische Sterbetafeln, Männer", legend.position=c(1,0))
-plotValuationTables(mort.AT.census.ALL.female, title="Vergleich österreichische Sterbetafeln, Frauen", legend.position=c(1,0))
+# plotValuationTables(mort.AT.census.ALL.male, title="Vergleich österreichische Sterbetafeln, Männer", legend.position=c(1,0))
+# plotValuationTables(mort.AT.census.ALL.female, title="Vergleich österreichische Sterbetafeln, Frauen", legend.position=c(1,0))
diff --git a/R/ValuationTables_Germany_Annuities.R b/data/ValuationTables_Germany_Annuities.R
similarity index 68%
rename from R/ValuationTables_Germany_Annuities.R
rename to data/ValuationTables_Germany_Annuities.R
index d5f94d8edf4b5f732b6e10e6a2ad33b3a45ba031..8b55e007160508d589bf949e46c828da14dfbbab 100644
--- a/R/ValuationTables_Germany_Annuities.R
+++ b/data/ValuationTables_Germany_Annuities.R
@@ -1,11 +1,12 @@
-frame_files = lapply(sys.frames(), function(x) x$ofile)
-frame_files = Filter(Negate(is.null), frame_files)
-PATH <- dirname(frame_files[[length(frame_files)]])
-rm(frame_files)
-
-setwd(dirname(PATH))
+# frame_files = lapply(sys.frames(), function(x) x$ofile)
+# frame_files = Filter(Negate(is.null), frame_files)
+# PATH <- dirname(frame_files[[length(frame_files)]])
+# rm(frame_files)
+#
+# setwd(dirname(PATH))
 
 library("gdata")
+library("ValuationTables")
 
 
 ###############################################################################
@@ -13,23 +14,23 @@ library("gdata")
 ###############################################################################
 
 DAV1994R.exakt.data=read.xls(
-  "Tafeln/DAV_R.xls", 
-  sheet="DAV 1994R", skip=2, #row.names=1, 
+  "Tables/DAV_R.xls",
+  sheet="DAV 1994R", skip=2, #row.names=1,
   col.names=c("age",
               "qx2000", "qy2000", "trendM", "trendF", "qxAVbase1955", "qyAVbase1955",
               "", "", "", "", "", "")
 );
 
-DAV1994R.male=valuationTable.trendProjection(
+DAV1994R.male=valuationTable_trendProjection(
   name="DAV 1994R male",
   ages=DAV1994R.exakt.data$age, baseYear=2000,
-  deathProbs=DAV1994R.exakt.data$qx2000, 
+  deathProbs=DAV1994R.exakt.data$qx2000,
   trend=DAV1994R.exakt.data$trendM
 );
-DAV1994R.female=valuationTable.trendProjection(
+DAV1994R.female=valuationTable_trendProjection(
   name="DAV 1994R female",
   ages=DAV1994R.exakt.data$age, baseYear=2000,
-  deathProbs=DAV1994R.exakt.data$qy2000, 
+  deathProbs=DAV1994R.exakt.data$qy2000,
   trend=DAV1994R.exakt.data$trendF
 );
 
@@ -39,16 +40,16 @@ DAV1994R.female=valuationTable.trendProjection(
 ###############################################################################
 
 DAV2004R.data.basistafeln=read.xls(
-  "Tafeln/DAV_2004_R.xls", 
-  sheet="Basistafeln", skip=3, #row.names=1, 
+  "Tables/DAV_2004_R.xls",
+  sheet="Basistafeln", skip=3, #row.names=1,
   col.names=c("age",
-              "qxSel2Ord", "qySel2Ord", "qxAgg2Ord", "qyAgg2Ord", 
-              "qxSelBestand", "qySelBestand", "qxAggBestand", "qyAggBestand", 
+              "qxSel2Ord", "qySel2Ord", "qxAgg2Ord", "qyAgg2Ord",
+              "qxSelBestand", "qySelBestand", "qxAggBestand", "qyAggBestand",
               "qxSel", "qySel", "qxAgg", "qyAgg")
 );
 DAV2004R.data.trend=read.xls(
-  "Tafeln/DAV_2004_R.xls", 
-  sheet="Trends", skip=4, header=FALSE, #row.names=1, 
+  "Tafeln/DAV_2004_R.xls",
+  sheet="Trends", skip=4, header=FALSE, #row.names=1,
   col.names=c("age",
               "trend2Ord.male.start", "trend2Ord.female.start",
               "trend2Ord.male.end", "trend2Ord.female.end",
@@ -57,35 +58,35 @@ DAV2004R.data.trend=read.xls(
               "trend1Ord.male", "trend1Ord.female")
 );
 DAV2004R.data.select=read.xls(
-  "Tafeln/DAV_2004_R.xls", 
-  sheet="Selektionsfaktoren", skip=2, header=FALSE, #row.names=1, 
+  "Tafeln/DAV_2004_R.xls",
+  sheet="Selektionsfaktoren", skip=2, header=FALSE, #row.names=1,
   col.names=c("year", "SelectMale", "SelectFemale")
 );
 DAV2004R.data.av.grundtafeln=read.xls(
-  "Tafeln/DAV_2004_R.xls", 
-  sheet="Grundtafeln", skip=3, #row.names=1, 
+  "Tafeln/DAV_2004_R.xls",
+  sheet="Grundtafeln", skip=3, #row.names=1,
   col.names=c("age",
               "qxBestand", "qyBestand",
               "qxB20", "qyB20",
               "qx1Ord", "qy1Ord")
 );
 DAV2004R.data.av=read.xls(
-  "Tafeln/DAV_2004_R.xls", 
-  sheet="Altersverschiebungen", skip=1, row.names=1, 
+  "Tafeln/DAV_2004_R.xls",
+  sheet="Altersverschiebungen", skip=1, row.names=1,
   col.names=c("YOB", "shiftMBestand", "shiftFBestand",
               "shiftMB20", "shiftFB20",
               "shiftM1Ord", "shiftF1Ord")
 );
 
-DAV2004R.male=valuationTable.trendProjection(
+DAV2004R.male=valuationTable_trendProjection(
   name="DAV 2004R male",
   ages=DAV2004R.exakt.data$age, baseYear=2000,
-  deathProbs=DAV2004R.exakt.data$qx2000, 
+  deathProbs=DAV2004R.exakt.data$qx2000,
   trend=DAV2004R.exakt.data$trendM
 );
-DAV2004R.female=valuationTable.trendProjection(
+DAV2004R.female=valuationTable_trendProjection(
   name="DAV 2004R female",
   ages=DAV2004R.exakt.data$age, baseYear=2000,
-  deathProbs=DAV2004R.exakt.data  $qy2000, 
+  deathProbs=DAV2004R.exakt.data  $qy2000,
   trend=DAV2004R.exakt.data$trendF
 );
diff --git a/R/ValuationTables_Germany_LifeInsurance.R b/data/ValuationTables_Germany_LifeInsurance.R
similarity index 68%
rename from R/ValuationTables_Germany_LifeInsurance.R
rename to data/ValuationTables_Germany_LifeInsurance.R
index 56f5949d00288bcab5f90078c46c13d85e34072b..a95ef04bb24e2c3248c1a15e2ac4234da55445cd 100644
--- a/R/ValuationTables_Germany_LifeInsurance.R
+++ b/data/ValuationTables_Germany_LifeInsurance.R
@@ -1,34 +1,35 @@
-frame_files = lapply(sys.frames(), function(x) x$ofile)
-frame_files = Filter(Negate(is.null), frame_files)
-PATH <- dirname(frame_files[[length(frame_files)]])
-rm(frame_files)
+# frame_files = lapply(sys.frames(), function(x) x$ofile)
+# frame_files = Filter(Negate(is.null), frame_files)
+# PATH <- dirname(frame_files[[length(frame_files)]])
+# rm(frame_files)
 
-setwd(dirname(PATH))
+# setwd(dirname(PATH))
 
 library("gdata")
+library("ValuationTables")
 
 
 # DAV1994T (Male, Female), 1st-order and general mortality 1986/88
 dav1994T.data=read.xls(
-  "Tafeln/DAV_T.xls", 
-  sheet=1, skip=1, #row.names=1, 
+  "Tables/DAV_T.xls",
+  sheet=1, skip=1, #row.names=1,
   col.names=c("age",
-              "", "", 
+              "", "",
               "qx2", "qxKI", "qx",
               "", "", "",
               "qy2", "qyKI", "qy"
 ));
 
-DAV1994T.male=valuationTable.period(
+DAV1994T.male=valuationTable_period(
   name="DAV 1994T male, loaded",
   ages=dav1994T.data$age, deathProbs=dav1994T.data$qx)
-DAV1994T.male.2Ord=valuationTable.period(
+DAV1994T.male.2Ord=valuationTable_period(
   name="DAV 1994T male, unloaded",
   ages=dav1994T.data$age, deathProbs=dav1994T.data$qx2)
-DAV1994T.female=valuationTable.period(
+DAV1994T.female=valuationTable_period(
   name="DAV 1994T female, loaded",
   ages=dav1994T.data$age, deathProbs=dav1994T.data$qy)
-DAV1994T.female.2Ord=valuationTable.period(
+DAV1994T.female.2Ord=valuationTable_period(
   name="DAV 1994T female, unloaded",
   ages=dav1994T.data$age, deathProbs=dav1994T.data$qy2)
 
@@ -39,8 +40,8 @@ rm(DAV1994T.data)
 ######################################################
 
 DAV2008T.data=read.xls(
-  "Tafeln/DAV_T.xls", 
-  sheet=2, skip=2, #row.names=1, 
+  "Tables/DAV_T.xls",
+  sheet=2, skip=2, #row.names=1,
   col.names=c("age", "", "", "",
               "qx2", "qx2NR", "qx2R",
               "qx1", "qx1NR", "qx1R",
@@ -50,44 +51,44 @@ DAV2008T.data=read.xls(
 ));
 
 ### DAV 2008T Aggregat (smoker+non-smoker combined)
-DAV2008T.male=valuationTable.period(
+DAV2008T.male=valuationTable_period(
   name="DAV 2008T male, loaded",
   ages=DAV2008T.data$age, deathProbs=DAV2008T.data$qx1)
-DAV2008T.male.2Ord=valuationTable.period(
+DAV2008T.male.2Ord=valuationTable_period(
   name="DAV 2008T male, unloaded",
   ages=DAV2008T.data$age, deathProbs=DAV2008T.data$qx2)
-DAV2008T.female=valuationTable.period(
+DAV2008T.female=valuationTable_period(
   name="DAV 2008T female, loaded",
   ages=DAV2008T.data$age, deathProbs=DAV2008T.data$qy1)
-DAV2008T.female.2Ord=valuationTable.period(
+DAV2008T.female.2Ord=valuationTable_period(
   name="DAV 2008T female, unloaded",
   ages=DAV2008T.data$age, deathProbs=DAV2008T.data$qy2)
 
 ### DAV 2008T Smoker
-DAV2008T.male.smoker=valuationTable.period(
+DAV2008T.male.smoker=valuationTable_period(
   name="DAV 2008T male smoker, loaded",
   ages=DAV2008T.data$age, deathProbs=DAV2008T.data$qx1R)
-DAV2008T.male.smoker.2Ord=valuationTable.period(
+DAV2008T.male.smoker.2Ord=valuationTable_period(
   name="DAV 2008T male smoker, unloaded",
   ages=DAV2008T.data$age, deathProbs=DAV2008T.data$qx2R)
-DAV2008T.female.smoker=valuationTable.period(
+DAV2008T.female.smoker=valuationTable_period(
   name="DAV 2008T female smoker, loaded",
   ages=DAV2008T.data$age, deathProbs=DAV2008T.data$qy1R)
-DAV2008T.female.smoker.2Ord=valuationTable.period(
+DAV2008T.female.smoker.2Ord=valuationTable_period(
   name="DAV 2008T female smoker, unloaded",
   ages=DAV2008T.data$age, deathProbs=DAV2008T.data$qy2R)
 
 ### DAV 2008T Non-Smoker
-DAV2008T.male.nonsmoker=valuationTable.period(
+DAV2008T.male.nonsmoker=valuationTable_period(
   name="DAV 2008T male non-smoker, loaded",
   ages=DAV2008T.data$age, deathProbs=DAV2008T.data$qx1NR)
-DAV2008T.male.nonsmoker.2Ord=valuationTable.period(
+DAV2008T.male.nonsmoker.2Ord=valuationTable_period(
   name="DAV 2008T male non-smoker, unloaded",
   ages=DAV2008T.data$age, deathProbs=DAV2008T.data$qx2NR)
-DAV2008T.female.nonsmoker=valuationTable.period(
+DAV2008T.female.nonsmoker=valuationTable_period(
   name="DAV 2008T female non-smoker, loaded",
   ages=DAV2008T.data$age, deathProbs=DAV2008T.data$qy1NR)
-DAV2008T.female.nonsmoker.2Ord=valuationTable.period(
+DAV2008T.female.nonsmoker.2Ord=valuationTable_period(
   name="DAV 2008T female non-smoker, unloaded",
   ages=DAV2008T.data$age, deathProbs=DAV2008T.data$qy2NR)
 
diff --git a/R/ValuationTables_USA_Annuities.R b/data/ValuationTables_USA_Annuities.R
similarity index 74%
rename from R/ValuationTables_USA_Annuities.R
rename to data/ValuationTables_USA_Annuities.R
index 6674c685383a414eaeef70146050f7ff05c59535..195cd15c57d90bf2d12ebbcfee35931d5508ba8a 100644
--- a/R/ValuationTables_USA_Annuities.R
+++ b/data/ValuationTables_USA_Annuities.R
@@ -1,10 +1,11 @@
-frame_files = lapply(sys.frames(), function(x) x$ofile)
-frame_files = Filter(Negate(is.null), frame_files)
-PATH <- dirname(frame_files[[length(frame_files)]])
-rm(frame_files)
-setwd(dirname(PATH))
+# frame_files = lapply(sys.frames(), function(x) x$ofile)
+# frame_files = Filter(Negate(is.null), frame_files)
+# PATH <- dirname(frame_files[[length(frame_files)]])
+# rm(frame_files)
+# setwd(dirname(PATH))
 
 library("gdata")
+library("ValuationTables")
 
 
 ###############################################################################
@@ -12,25 +13,25 @@ library("gdata")
 ###############################################################################
 
 USA1971IAM.data=read.xls(
-  "Tafeln/USA_Annuities.xls", 
-  sheet="1971 IAM", skip=2, #row.names=1, 
+  "Tables/USA_Annuities.xls",
+  sheet="1971 IAM", skip=2, #row.names=1,
   col.names=c("age","qx", "qy", "B"));
 
-USA1971IAM.male=valuationTable.period (
+USA1971IAM.male=valuationTable_period (
   name="USA 1971 IAM, male",
   ages=USA1971IAM.data$age,
   deathProbs=USA1971IAM.data$qx)
-USA1971IAM.female=valuationTable.period (
+USA1971IAM.female=valuationTable_period (
   name="USA 1971 IAM, female",
   ages=USA1971IAM.data$age,
   deathProbs=USA1971IAM.data$qy)
 
-USA1971IAM.male.projected=valuationTable.improvementFactors (
+USA1971IAM.male.projected=valuationTable_improvementFactors (
   name="USA 1971 IAM, male",
   ages=USA1971IAM.data$age, baseYear=1971,
   deathProbs=USA1971IAM.data$qx,
   improvement=USA1971IAM.data$B)
-USA1971IAM.female.projected=valuationTable.improvementFactors (
+USA1971IAM.female.projected=valuationTable_improvementFactors (
   name="USA 1971 IAM, female",
   ages=USA1971IAM.data$age, baseYear=1971,
   deathProbs=USA1971IAM.data$qy,
@@ -44,24 +45,24 @@ rm(USA1971IAM.data);
 ###############################################################################
 
 USA1983a.data=read.xls(
-  "Tafeln/USA_Annuities.xls", 
+  "Tables/USA_Annuities.xls",
   sheet="1983a - GAM", skip=2,
   col.names=c("age","qx", "qy", "qxG", "qyG"));
 
-USA1983a.male=valuationTable.period (
+USA1983a.male=valuationTable_period (
   name="USA 1983 Table a, male",
   ages=USA1983a.data$age,
   deathProbs=USA1983a.data$qx)
-USA1983a.female=valuationTable.period (
+USA1983a.female=valuationTable_period (
   name="USA 1983 Table a, female",
   ages=USA1983a.data$age,
   deathProbs=USA1983a.data$qy)
 
-USA1983GAM.male=valuationTable.period (
+USA1983GAM.male=valuationTable_period (
   name="USA 1983 GAM, male",
   ages=USA1983a.data$age,
   deathProbs=USA1983a.data$qxG)
-USA1983GAM.female=valuationTable.period (
+USA1983GAM.female=valuationTable_period (
   name="USA 1983 GAM, female",
   ages=USA1983a.data$age,
   deathProbs=USA1983a.data$qyG)
@@ -74,25 +75,25 @@ rm(USA1983a.data);
 ###############################################################################
 
 USA1994GAM.data=read.xls(
-  "Tafeln/USA_Annuities.xls", 
+  "Tables/USA_Annuities.xls",
   sheet="1994 GAR", skip=2,
   col.names=c("age","qx", "AAx", "qy", "AAy", "qxBasic", "qyBasic"));
 
-USA1994GAM.male.basic=valuationTable.period (
+USA1994GAM.male.basic=valuationTable_period (
   name="USA 1994 GAM basic (unloaded), male",
   ages=USA1994GAM.data$age,
   deathProbs=USA1994GAM.data$qxBasic)
-USA1994GAM.female.basic=valuationTable.period (
+USA1994GAM.female.basic=valuationTable_period (
   name="USA 1994 GAM basic (unloaded), female",
   ages=USA1994GAM.data$age,
   deathProbs=USA1994GAM.data$qyBasic)
 
-USA1994GAR.male=valuationTable.improvementFactors (
+USA1994GAR.male=valuationTable_improvementFactors (
   name="USA 1994 GAM, male",
   ages=USA1994GAM.data$age,
   deathProbs=USA1994GAM.data$qx,
   improvement=USA1994GAM.data$AAx)
-USA1994GAR.female=valuationTable.improvementFactors (
+USA1994GAR.female=valuationTable_improvementFactors (
   name="USA 1994 GAM, female",
   ages=USA1994GAM.data$age,
   deathProbs=USA1994GAM.data$qy,
@@ -106,24 +107,24 @@ rm(USA1994GAM.data);
 ###############################################################################
 
 USAAnnuity2000.data=read.xls(
-  "Tafeln/USA_Annuities.xls", 
-  sheet="Annuity 2000", skip=2, #row.names=1, 
+  "Tables/USA_Annuities.xls",
+  sheet="Annuity 2000", skip=2, #row.names=1,
   col.names=c("age","qxBasic", "qyBasic", "qx", "qy"));
 
-USAAnnuity2000.basic.male=valuationTable.period (
+USAAnnuity2000.basic.male=valuationTable_period (
   name="USA Annuity 2000 basic, male",
   ages=USAAnnuity2000.data$age,
   deathProbs=USAAnnuity2000.data$qxBasic)
-USAAnnuity2000.basic.female=valuationTable.period (
+USAAnnuity2000.basic.female=valuationTable_period (
   name="USA Annuity 2000 basic, female",
   ages=USAAnnuity2000.data$age,
   deathProbs=USAAnnuity2000.data$qyBasic)
 
-USAAnnuity2000.male.projected=valuationTable.period (
+USAAnnuity2000.male.projected=valuationTable_period (
   name="USA Annuity 2000, male",
   ages=USAAnnuity2000.data$age,
   deathProbs=USAAnnuity2000.data$qx)
-USAAnnuity2000.female.projected=valuationTable.period (
+USAAnnuity2000.female.projected=valuationTable_period (
   name="USA Annuity 2000, female",
   ages=USAAnnuity2000.data$age,
   deathProbs=USAAnnuity2000.data$qy)
@@ -136,25 +137,25 @@ rm(USAAnnuity2000.data);
 ###############################################################################
 
 USA2012IAM.data=read.xls(
-  "Tafeln/USA_Annuities.xls", 
+  "Tables/USA_Annuities.xls",
   sheet="2012 IAR", skip=3,
   col.names=c("age","qxBasic", "qyBasic", "qx", "qy", "G2x", "G2y", "", "", ""));
 
-USA2012IAM.male.basic=valuationTable.period (
+USA2012IAM.male.basic=valuationTable_period (
   name="USA 2012 IAM basic (unloaded), male",
   ages=USA2012IAM.data$age,
   deathProbs=USA2012IAM.data$qxBasic)
-USA2012IAM.female.basic=valuationTable.period (
+USA2012IAM.female.basic=valuationTable_period (
   name="USA 2012 IAM basic (unloaded), female",
   ages=USA2012IAM.data$age, omega=max(USA2012IAM.data$age,rm.na=TRUE)+1,
   deathProbs=USA2012IAM.data$qyBasic)
 
-USA2012IAM.male=valuationTable.improvementFactors (
+USA2012IAM.male=valuationTable_improvementFactors (
   name="USA 2012 IAM, male",
   ages=USA2012IAM.data$age, omega=max(USA2012IAM.data$age,rm.na=TRUE)+1,
   deathProbs=USA2012IAM.data$qx,
   improvement=USA2012IAM.data$G2x)
-USA2012IAM.female=valuationTable.improvementFactors (
+USA2012IAM.female=valuationTable_improvementFactors (
   name="USA 2012 IAM, female",
   ages=USA2012IAM.data$age, omega=max(USA2012IAM.data$age,rm.na=TRUE)+1,
   deathProbs=USA2012IAM.data$qy,
diff --git a/src/Tables/Austria_Annuities.xlsx b/src/Tables/Austria_Annuities.xlsx
new file mode 100644
index 0000000000000000000000000000000000000000..304237519ddc73662f7ca8cac239436e6eb23826
Binary files /dev/null and b/src/Tables/Austria_Annuities.xlsx differ
diff --git a/R/Tables/A_Volkszaehlungen.xlsx b/src/Tables/Austria_Census.xlsx
similarity index 100%
rename from R/Tables/A_Volkszaehlungen.xlsx
rename to src/Tables/Austria_Census.xlsx
diff --git a/R/Tables/DAV_2004_R.xls b/src/Tables/DAV_2004_R.xls
similarity index 100%
rename from R/Tables/DAV_2004_R.xls
rename to src/Tables/DAV_2004_R.xls
diff --git a/R/Tables/DAV_R.xls b/src/Tables/DAV_R.xls
similarity index 100%
rename from R/Tables/DAV_R.xls
rename to src/Tables/DAV_R.xls
diff --git a/R/Tables/DAV_T.xls b/src/Tables/DAV_T.xls
similarity index 100%
rename from R/Tables/DAV_T.xls
rename to src/Tables/DAV_T.xls
diff --git a/R/Tables/USA_Annuities.xls b/src/Tables/USA_Annuities.xls
similarity index 100%
rename from R/Tables/USA_Annuities.xls
rename to src/Tables/USA_Annuities.xls