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Subject: Re: Retirement, college, and Obamanomics  Date: 1/1/2013 10:39 PM 
Author: KluverBucy  Number: 71183 of 80437 
Rayvt, First, thank you for posting some useful numbers about the range of S&P returns. I will accept you "fuzzy handwaving math" and agree with your rough estimate that: "33% of the time the excess gain was 11% and 28% of the time the avoided loss was 14%, so using handwaving fuzzy math that's pretty close to a wash." This is pretty much what I assumed but it nice to see the actual numbers. However 