RUS1m<- matrix(NA,187,36)
for (i in 1:187)
{
  for (j in 1:36)
   {
    if(is.na(io1m.m[i,j])==TRUE|is.na(io1m.m$US)==TRUE) {NA->RUS1m[i,j]}
     else if(io1m.m[i,j]-io1m.m$US<0) {((ebs.m[i+1,j])/eos.m[i,j]*(1+io1m.m$US/12)-(1+io1m.m[i,j]/12))*100->RUS1m[i,j]}
      else if(io1m.m[i,j]-io1m.m$US>0) {((ebs.m[i,j])/eos.m[i+1,j]*(1+io1m.m[i,j]/12)-(1+io1m.m$US/12))*100->RUS1m[i,j]}
       else {0->RUS1mt[i,j]}
}
}