In a message dated 2/3/2007 10:18:24 AM Eastern Standard Time, sville@rochester.rr.com writes: Thanks for that information did not know that. One more?...Are they available on places like Heritage Quest and Ancestry or do they need to be viewed on microfilm? Yes, Yes, Yes, and some libraries have them in book format for their local area. Also pension boards use them to determine your monthly or whatever payment settlement you opt for. One company I know of was using a 1920 mortality schedule, where the life expectancy was less. I think that fellow went to jail for something else though.