QLIB/48 Version 1.0
                          ===================


                   README.TXT File - January 10, 1997
                   ----------------------------------


                 (c) Copyright 1997 Steven P. Lindblad

                          ALL RIGHTS RESERVED



This is the README.TXT file for QLIB/48 Version 1.0.  QLIB/48 is a
library of actuarial commutation functions that expand the capabilities
of the Hewlett-Packard 48 series calculators to include functions such
as DX, NX, MX, and other actuarial functions.  The QLIB/48 User's Guide
(QLIB48.DOC) provides detailed information on the use of the system
itself; the purpose of this README.TXT file is to provide you with
preliminary background information.

If you have any comments, questions, or suggestions, please do not
hesitate to contact me at the e-mail address below or at my address
in the Society of Actuaries membership directory.

Steve Lindblad

73003.1772@compuserve.com




1. QLIB/48 Version 1.0 is freeware.  That is to say, you may use QLIB/48
Version 1.0 free of charge for business, personal, or other purposes.
However, please note that QLIB/48 Version 1.0 is protected by copyright.
You may distribute copies of the QLIB/48 Version 1.0 system to friends
and colleagues (and please do so!) provided that (1) you make no charge
for the system, (2) you inform the recipient of my copyright, and (3)
you distribute the entire system in its original, complete, and
unmodified form (including this README.TXT file and all other files
listed in item 2 below).  Thank you.


2. The QLIB/48 Version 1.0 system consists of the following files.  All
files have a date/time stamp of 1-10-97 1:00a.  The CRC-32 values are
shown for comparison with the CRC-32 values computed by PKZIP.

   File      Size    CRC-32                   Description
----------  ------  --------  -------------------------------------------
README.TXT    3698     --     This file
QLIB48.DOC  236344  F2571BFD  QLIB/48 User's Guide
QLIB48.LIB   13327  9EDA6298  HP 48 program library file
SAMPLE.QTL   10646  AFEA6440  Library of sample mortality tables
MKQTL.EXE    84834  DC372EAD  DOS program for maintaining mortality files
ACTFUNC       1565  41C32027  Directory of miscellaneous actuarial funcs.
GAR94         7749  0887188D  Program to generate GAR-94 mortality tables
NONFORF       6108  958EC226  Program for life ins nonforfeiture values
PBGCANN       4800  FBADE1EE  Program for pension PBGC deferred annuities


3. The QLIB/48 User's Guide (in QLIB48.DOC) provides detailed
information on the installation, use, and internal operation of
QLIB/48.  At a minimum, you should read chapters 0, I and II to
familiarize yourself with the basic use of the system.


4. QLIB48.DOC is a plain ASCII text file.  If your printer supports
printing directly from DOS, you can print the documentation from a DOS
prompt using  PRINT QLIB48.DOC  or  COPY QLIB48.DOC PRN .  If you print
QLIB48.DOC from Windows, be sure to use a fixed pitch (non-proportional)
font, so that tables will line up properly.

QLIB48.DOC consists of 100 pages, plus 4 preface pages.  It is designed
for duplex printing (both sides of the page), but one-sided printing
will work fine as well.  The pages are designed to be printed on pages
measuring 80 columns by 60 lines, which is the standard page size for
many printers (e.g., HP LaserJets) when text is sent directly to the
printer.  With a font that prints 10 characters per inch and 6 lines
per inch, each page should print cleanly with one-inch margins on all
four edges (on 8.5x11-inch paper).