Age	\(d\)=1	2	3	4	5
\[{\widehat{\mu}}_{d}\]	(0.021140)	0.046364	0.079091	(0.151170)	(0.005510)
\[{{\widehat{\sigma}}_{d}}^{2}\]	0.016448	0.001513	0.038473	0.055301	n/a