Variable annuities notebook based on Bauer, D., Kling, A., & Russ, J. (2008). A Universal Pricing Framework for Guaranteed Minimum Benefits in Variable Annuities https://www.cambridge.org/core/journals/astin-bulletin-journal-of-the-iaa/article/universal-pricing-framework-for-guaranteed-minimum-benefits-in-variable-annuities1/5EC877F9533FBC065FDD192803931211