pemeliza, I don’t think it’s moot at all. All I’m doing is run some calculation based on a set of assumptions. Since there are many different variables w/ many possible assumptions, ones number would change drastically. I found that some people can’t run their own numbers, so I was just trying to help them out. If they have different assumptions but can’t run their own number, feel free to post the assumptions and I can run the number for them. It’s not that hard or time consuming. Just my little contribution to the site.