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TMFPixy thanks for your reply.
But the table you suggest can be used only "if you have a beneficiary other than your spouse who is 10 or more years younger than you".
In my case my wife is the beneficiary and she is not more than 10 years younger.
So I have been using TABLE II (Joint Life and Last Survivor Expectancy)
It gives the age of the account holder on a vertical line at the left and the age of the spouse horizontally at the top. You find the intersection for the respective ages and that gives you the denominator. Regards.
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