% date c rmrf hml smb rf 1947.250000 0.006670 -0.014732 -0.004529 0.006718 1.000900 1947.500000 0.006743 -0.007799 0.005382 -0.075474 1.000900 1947.750000 0.006718 0.017277 0.045723 0.034983 1.001200 1948.000000 0.006632 0.034432 0.050484 -0.035655 1.002001 1948.250000 0.006668 -0.005131 0.057509 0.007807 1.002302 1948.500000 0.006723 0.112495 0.055983 -0.024582 1.002502 1948.750000 0.006710 -0.076920 -0.014587 -0.027018 1.002101 1949.000000 0.006751 -0.006103 -0.056327 -0.048359 1.001200 1949.250000 0.006759 0.010905 0.020506 0.021196 1.002903 1949.500000 0.006762 -0.044654 -0.053190 -0.027105 1.002903 1949.750000 0.006698 0.115649 0.001986 0.018226 1.002702 1950.000000 0.006724 0.102077 -0.000417 0.024391 1.002602 1950.250000 0.006787 0.041840 -0.032820 0.020798 1.002803 1950.500000 0.006900 0.019993 0.011151 -0.026186 1.002903 1950.750000 0.006978 0.116713 0.108066 0.018852 1.003003 1951.000000 0.006919 0.083244 0.123152 0.001143 1.003404 1951.250000 0.007036 0.047599 -0.034604 0.012220 1.003404 1951.500000 0.006995 -0.003780 -0.022055 -0.033612 1.003705 1951.750000 0.007069 0.126006 0.029070 0.009360 1.003805 1952.000000 0.007087 0.013782 -0.014328 -0.027613 1.003905 1952.250000 0.007087 0.032884 0.039112 -0.030607 1.003805 1952.500000 0.007186 0.016994 0.015992 -0.022592 1.004005 1952.750000 0.007260 -0.018875 -0.021082 0.020829 1.004607 1953.000000 0.007334 0.081824 0.009610 -0.031169 1.004005 1953.250000 0.007366 -0.021165 0.001278 0.057852 1.004808 1953.500000 0.007406 -0.042060 0.011282 -0.015594 1.005109 1953.750000 0.007370 -0.021685 -0.064842 -0.013542 1.004808 1954.000000 0.007310 0.074191 -0.032192 -0.033116 1.003404 1954.250000 0.007350 0.108155 0.016542 -0.002329 1.002602 1954.500000 0.007389 0.086122 0.020510 -0.026880 1.002001 1954.750000 0.007464 0.090886 0.031368 0.011581 1.001901 1955.000000 0.007528 0.135798 0.107238 0.001156 1.002101 1955.250000 0.007588 0.034674 0.048496 0.010948 1.002702 1955.500000 0.007642 0.109914 0.017990 -0.064511 1.003404 1955.750000 0.007672 0.018330 0.000321 -0.012637 1.004206 1956.000000 0.007787 0.055873 -0.022020 0.014580 1.005309 1956.250000 0.007833 0.073693 -0.002498 -0.025618 1.005610 1956.500000 0.007840 -0.015014 -0.024926 -0.000906 1.006213 1956.750000 0.007856 -0.037290 0.007731 0.020545 1.005711 1957.000000 0.007906 0.040230 -0.002551 -0.005215 1.006916 1957.250000 0.007912 -0.034627 0.011953 0.032850 1.007418 1957.500000 0.007930 0.070307 -0.036041 -0.022999 1.007519 1957.750000 0.007972 -0.104874 0.005701 -0.004727 1.008122 1958.000000 0.007971 -0.061547 -0.061865 -0.031351 1.008122 1958.250000 0.007909 0.065176 0.031801 0.059365 1.004907 1958.500000 0.007978 0.085113 0.019369 0.012233 1.002201 1958.750000 0.008062 0.113607 0.066374 0.017309 1.003002 1959.000000 0.008093 0.109743 -0.025730 0.011124 1.005108 1959.250000 0.008149 0.018984 0.037556 0.061275 1.006213 1959.500000 0.008236 0.052059 0.020134 -0.021153 1.006715 1959.750000 0.008288 -0.032002 0.010991 -0.011829 1.007518 1960.000000 0.008338 0.054429 -0.054107 0.021870 1.009027 1960.250000 0.008362 -0.074994 -0.022103 0.022449 1.009731 1960.500000 0.008418 0.034582 -0.064389 0.016302 1.007016 1960.750000 0.008358 -0.054860 0.032578 -0.007313 1.004607 1961.000000 0.008372 0.088967 -0.006189 -0.050070 1.005108 1961.250000 0.008414 0.131715 0.022387 0.083635 1.005309 1961.500000 0.008506 -0.003265 0.021309 -0.004306 1.005510 1961.750000 0.008490 0.031544 -0.009005 -0.048187 1.004908 1962.000000 0.008593 0.069486 0.017617 -0.020681 1.005309 1962.250000 0.008640 -0.028438 0.049147 0.009229 1.006414 1962.500000 0.008705 -0.220239 0.057234 -0.045633 1.006614 1962.750000 0.008743 0.028576 -0.034111 0.002566 1.007117 1963.000000 0.008796 0.118866 0.025607 -0.052034 1.006916 1963.250000 0.008807 0.055495 0.068723 0.008662 1.007117 1963.500000 0.008850 0.042003 0.047438 -0.005162 1.007217 1963.750000 0.008948 0.030484 0.009997 -0.018697 1.007921 1964.000000 0.008988 0.035702 0.016390 -0.036218 1.008524 1964.250000 0.009111 0.053083 0.080514 0.008537 1.008725 1964.500000 0.009228 0.028989 0.021427 -0.025556 1.008524 1964.750000 0.009338 0.030710 0.028870 -0.005544 1.008625 1965.000000 0.009395 0.006846 -0.034760 0.008248 1.008926 1965.250000 0.009468 0.026193 0.019731 0.078054 1.009429 1965.500000 0.009562 -0.033993 -0.005482 -0.030085 1.009731 1965.750000 0.009664 0.072232 0.010517 0.043944 1.009530 1966.000000 0.009866 0.036497 0.040192 0.094830 1.009933 1966.250000 0.009934 -0.028716 0.018480 0.095713 1.011141 1966.500000 0.010012 -0.050346 -0.015157 -0.003793 1.011342 1966.750000 0.010060 -0.105361 0.021811 -0.048598 1.011645 1967.000000 0.010093 0.054564 -0.034602 -0.005033 1.012552 1967.250000 0.010173 0.133110 -0.003121 0.141559 1.011846 1967.500000 0.010240 0.018355 -0.006643 0.086646 1.009228 1967.750000 0.010298 0.068821 0.017110 0.067655 1.009530 1968.000000 0.010341 0.002480 -0.054777 0.074880 1.010839 1968.250000 0.010491 -0.075676 0.055497 -0.004397 1.011746 1968.500000 0.010625 0.123405 0.004015 0.124518 1.013157 1968.750000 0.010745 0.026549 0.067753 0.037893 1.013359 1969.000000 0.010796 0.018865 0.020920 0.053473 1.012956 1969.250000 0.010883 -0.045839 0.020725 -0.049844 1.014570 1969.500000 0.010949 -0.058800 -0.003621 -0.064331 1.015277 1969.750000 0.010989 -0.055863 -0.057426 -0.012524 1.016591 1970.000000 0.011073 -0.016219 -0.072681 -0.026177 1.017703 1970.250000 0.011154 -0.043366 0.116475 -0.020242 1.018007 1970.500000 0.011163 -0.221795 0.110517 -0.123996 1.016186 1970.750000 0.011237 0.165501 -0.035011 0.098672 1.015984 1971.000000 0.011287 0.080422 0.029587 -0.054620 1.013460 1971.250000 0.011325 0.107571 -0.039146 0.123942 1.010134 1971.500000 0.011378 -0.010655 -0.025086 -0.029318 1.009429 1971.750000 0.011408 -0.016966 -0.003536 -0.011848 1.012451 1972.000000 0.011520 0.034382 -0.024439 -0.014041 1.011141 1972.250000 0.011633 0.061694 -0.024516 0.072905 1.008122 1972.500000 0.011803 -0.008195 -0.047021 -0.024241 1.008826 1972.750000 0.011931 0.014173 0.059168 -0.093803 1.009429 1973.000000 0.012118 0.059350 0.037912 -0.056510 1.011443 1973.250000 0.012219 -0.091369 0.074340 -0.101361 1.013157 1973.500000 0.012230 -0.098557 0.073857 -0.127024 1.015479 1973.750000 0.012271 0.060756 -0.021334 0.088237 1.020336 1974.000000 0.012262 -0.129658 0.102298 -0.129963 1.018614 1974.250000 0.012178 -0.034651 0.085478 0.125103 1.017805 1974.500000 0.012211 -0.128144 -0.002699 -0.039431 1.021147 1974.750000 0.012235 -0.266696 0.140385 0.004700 1.021248 1975.000000 0.012218 0.070028 -0.100225 -0.092845 1.017601 1975.250000 0.012282 0.230493 0.060694 0.155182 1.014266 1975.500000 0.012433 0.148071 -0.041043 0.041506 1.012956 1975.750000 0.012481 -0.132411 0.011907 -0.007126 1.014974 1976.000000 0.012553 0.062297 0.041784 -0.060059 1.014570 1976.250000 0.012705 0.152468 0.148668 0.109232 1.012148 1976.500000 0.012792 0.011671 -0.006256 -0.026535 1.012250 1976.750000 0.012893 0.003364 0.022759 -0.017012 1.013359 1977.000000 0.013030 0.033410 0.036362 0.056135 1.012149 1977.250000 0.013094 -0.071192 0.059439 0.070627 1.010940 1977.500000 0.013104 0.033701 0.037424 0.033793 1.011544 1977.750000 0.013196 -0.037426 -0.038397 0.052302 1.012956 1978.000000 0.013340 -0.002322 0.018071 0.065297 1.014873 1978.250000 0.013465 -0.047035 0.055341 0.096145 1.014873 1978.500000 0.013598 0.079971 -0.035392 0.069173 1.015984 1978.750000 0.013652 0.076504 0.002570 0.050116 1.017400 1979.000000 0.013719 -0.086440 -0.029932 -0.060672 1.021756 1979.250000 0.013797 0.065097 0.027467 0.075715 1.023278 1979.500000 0.013819 0.016942 0.039310 0.035356 1.024497 1979.750000 0.013864 0.058296 -0.007307 0.031165 1.023888 1980.000000 0.013922 -0.014274 -0.071285 0.035657 1.028364 1980.250000 0.013893 -0.090824 0.013376 -0.068849 1.029277 1980.500000 0.013735 0.130570 0.005247 0.049008 1.027029 1980.750000 0.013794 0.107608 -0.131129 0.095192 1.019322 1981.000000 0.013918 0.055793 -0.087446 -0.012684 1.032543 1981.250000 0.013883 -0.013755 0.088717 0.063776 1.033568 1981.500000 0.013940 -0.044302 0.072084 0.057446 1.036227 1981.750000 0.013902 -0.157320 0.098929 -0.067691 1.038073 1982.000000 0.013891 0.045875 -0.016711 0.024419 1.031829 1982.250000 0.013907 -0.112537 0.138091 -0.010029 1.027243 1982.500000 0.013929 -0.042184 0.005183 0.016522 1.031831 1982.750000 0.014003 0.091102 0.016930 -0.004653 1.023373 1983.000000 0.014177 0.174698 -0.055233 0.071388 1.019019 1983.250000 0.014295 0.091086 0.019363 0.080270 1.019526 1983.500000 0.014448 0.108677 -0.047205 0.078093 1.020843 1983.750000 0.014625 -0.035335 0.127980 -0.023250 1.022771 1984.000000 0.014751 -0.031797 0.061138 -0.019442 1.022060 1984.250000 0.014784 -0.061045 0.120186 -0.020344 1.022162 1984.500000 0.014941 -0.051282 -0.012366 -0.013385 1.023583 1984.750000 0.015043 0.064904 0.037352 -0.023690 1.025311 1985.000000 0.015168 -0.011239 0.044875 -0.024286 1.023884 1985.250000 0.015361 0.083557 -0.016520 0.029871 1.018614 1985.500000 0.015461 0.052068 0.033217 -0.016342 1.019424 1985.750000 0.015610 -0.062500 0.018040 0.008394 1.017805 1986.000000 0.015706 0.145579 -0.037351 -0.018200 1.019222 1986.250000 0.015771 0.124390 -0.007202 0.001015 1.016995 1986.500000 0.015840 0.041924 -0.018648 0.005374 1.015378 1986.750000 0.015899 -0.091022 0.119861 -0.054172 1.014368 1987.000000 0.016023 0.023565 -0.012241 -0.044538 1.013460 1987.250000 0.016176 0.197205 -0.074157 0.020532 1.013258 1987.500000 0.016290 0.018133 0.011693 -0.043010 1.013056 1987.750000 0.016357 0.046551 0.002028 -0.007097 1.013864 1988.000000 0.016443 -0.244245 0.027204 -0.058873 1.013458 1988.250000 0.016600 0.068733 0.044193 0.091431 1.011946 1988.500000 0.016699 0.048821 0.026531 0.002123 1.014671 1988.750000 0.016850 -0.016500 0.036894 -0.013643 1.017298 1989.000000 0.016963 0.003821 0.013334 -0.027929 1.018209 1989.250000 0.017021 0.052750 0.020068 0.013605 1.018411 1989.500000 0.017038 0.062199 -0.001900 -0.016174 1.021857 1989.750000 0.017116 0.078207 -0.034082 -0.032094 1.021046 1990.000000 0.017245 -0.013872 -0.021183 -0.067944 1.019931 1990.250000 0.017255 -0.051406 -0.014929 0.012677 1.017906 1990.500000 0.017354 0.033507 -0.081416 -0.016632 1.020134 1990.750000 0.017401 -0.168358 0.023527 -0.100167 1.019526 1991.000000 0.017274 0.064810 -0.043780 -0.045609 1.018614 1991.250000 0.017206 0.146770 -0.035255 0.122443 1.014469 1991.500000 0.017308 -0.016075 0.020820 0.002807 1.014267 1991.750000 0.017296 0.048864 -0.031768 0.023375 1.014166 1992.000000 0.017264 0.072535 -0.062126 -0.019680 1.011947 1992.250000 0.017447 -0.021435 0.153545 0.082984 1.009631 1992.500000 0.017486 -0.009026 0.091529 -0.086996 1.009228 1992.750000 0.017568 0.022574 -0.018209 0.000481 1.008323 1993.000000 0.017690 0.062943 -0.012243 0.075476 1.007418 1993.250000 0.017690 0.036605 0.142389 -0.011179 1.007016 1993.500000 0.017733 0.001750 0.017163 0.010281 1.007117 1993.750000 0.017862 0.031773 0.023452 0.044746 1.007519 1994.000000 0.017924 0.012669 -0.013125 0.012252 1.007016 1994.250000 0.018044 -0.046879 0.020067 0.018871 1.007318 1994.500000 0.018107 -0.018467 0.036271 -0.033586 1.009027 1994.750000 0.018167 0.044498 -0.043351 0.023285 1.010234 1995.000000 0.018228 -0.022879 -0.021727 -0.022960 1.011947 1995.250000 0.018265 0.076595 -0.000147 -0.036397 1.012855 1995.500000 0.018355 0.078347 0.006302 0.003937 1.014570 1995.750000 0.018401 0.075156 -0.013417 0.019944 1.013561 1996.000000 0.018442 0.032724 0.015258 -0.044159 1.013863 1996.250000 0.018555 0.044098 -0.005479 0.008091 1.012149 1996.500000 0.018644 0.031389 -0.035076 0.043803 1.012855 1996.750000 0.018695 0.015674 -0.001777 -0.021777 1.013056 1997.000000 0.018761 0.054723 0.060794 -0.046607 1.012955 1997.250000 0.018868 -0.007653 0.063248 -0.043955 1.012754 1997.500000 0.018921 0.153230 -0.047472 0.009001 1.012955 1997.750000 0.019088 0.085154 0.004180 0.077668 1.012855 1998.000000 0.019188 -0.000298 0.072672 -0.081207 1.012955 1998.250000 0.019369 0.121183 -0.009152 -0.019393 1.012149 1998.500000 0.019538 0.003882 0.026498 -0.063760 1.012451 1998.750000 0.019666 -0.137794 -0.001318 -0.106231 1.012955 1999.000000 0.019743 0.202877 -0.106852 -0.024564 1.010134 1999.250000 0.019934 0.025251 -0.065949 -0.088374 1.011342 1999.500000 0.020095 0.068536 0.008481 0.107780 1.011141 1999.750000 0.020207 -0.073820 -0.035098 0.042443 1.011645 2000.000000 0.020415 0.181630 -0.192203 0.073361 1.011947 2000.250000 0.020569 0.030480 -0.056470 0.063248 1.013157 2000.500000 0.020741 -0.063204 0.018292 -0.000806 1.013661 2000.750000 0.020864 -0.011044 0.144913 -0.056078 1.014974 2001.000000 0.021000 -0.122590 0.256456 -0.053506 1.015782 2001.250000 0.020998 -0.143305 0.141694 0.063836 1.013762 2001.500000 0.021005 0.066288 -0.038824 0.100937 1.009932 2001.750000 0.021028 -0.169762 0.110568 -0.086495 1.008926 2002.000000 0.021136 0.123232 -0.059186 0.128247 1.005410 2002.250000 0.021208 0.001570 0.088268 0.036844 1.004005 2002.500000 0.021269 -0.129803 0.084826 0.055350 1.004206 2002.750000 0.021262 -0.170680 -0.004058 -0.048142 1.004306 2003.000000 0.021334 0.076383 -0.045230 -0.004354 1.003705 2003.250000 0.021409 -0.031438 -0.041128 0.018876 1.002903 2003.500000 0.021459 0.167425 0.007626 0.075381 1.002903 2003.750000 0.021636 0.036832 0.005908 0.089662 1.002202 2004.000000 0.021716 0.124744 0.059890 0.022418 1.002202 2004.250000 0.021902 0.025640 0.020196 0.032996 1.002202 2004.500000 0.021986 0.008732 -0.003594 -0.004776 1.002202 2004.750000 0.022087 -0.018428 0.059397 -0.025972 1.003203 2005.000000 0.022241 0.100206 0.005800 0.048511 1.004206 2005.250000 0.022327 -0.026637 0.071865 -0.036795 1.005309 2005.500000 0.022409 0.016565 0.011643 0.014976 1.006815 2005.750000 0.022557 0.039815 0.020437 0.011392 1.008323 2006.000000 0.022682 0.013298 -0.021008 -0.004837 1.009027 2006.250000 0.022798 0.047632 0.003338 0.086747 1.010637 2006.500000 0.022892 -0.030743 0.073615 -0.047484 1.011947 2006.750000 0.022968 0.030858 0.010351 -0.043982 1.012350 2007.000000 0.023132 0.060795 0.036181 0.015635 1.012350 2007.250000 0.023260 0.005643 0.005756 0.012081 1.012552 2007.500000 0.023284 0.051811 -0.021153 -0.015460 1.012552