diff --git a/cs623/proj1/RetirementCalculatorModel.java b/cs623/proj1/RetirementCalculatorModel.java
index b795ca1..19ea7d4 100644
--- a/cs623/proj1/RetirementCalculatorModel.java
+++ b/cs623/proj1/RetirementCalculatorModel.java
@@ -44,6 +44,33 @@ public class RetirementCalculatorModel
         setField("social security", calculateSocialSecurity());
     }
 
+    private double calculateMakeUpFactor()
+    {
+        int retire_age_index = (int) getField("retirement age");
+        int life_expectancy_index = (int) getField("life expectancy");
+
+        if      (retire_age_index == 55)        retire_age_index = 0;
+        else if (retire_age_index == 60)        retire_age_index = 1;
+        else if (retire_age_index == 70)        retire_age_index = 3;
+        else                                    retire_age_index = 2;
+
+        if      (life_expectancy_index == 86)   life_expectancy_index = 1;
+        else if (life_expectancy_index == 89)   life_expectancy_index = 2;
+        else if (life_expectancy_index == 92)   life_expectancy_index = 3;
+        else if (life_expectancy_index == 94)   life_expectancy_index = 4;
+        else if (life_expectancy_index == 97)   life_expectancy_index = 5;
+        else                                    life_expectancy_index = 0;
+
+        final double makeup_factors[] = {
+            18.79, 20.53, 21.71, 22.79, 23.46, 24.40,
+            16.31, 18.32, 19.68, 20.93, 21.71, 22.79,
+            13.45, 15.77, 17.35, 18.79, 19.68, 20.93,
+            10.15, 12.83, 14.65, 16.31, 17.35, 18.79
+        };
+
+        return makeup_factors[retire_age_index * 6 + life_expectancy_index];
+    }
+
     private double calculateRetirementFactor()
     {
         return 0.0;