Agreed. I'm just not sure where in my note you read that I didn't know how to work with a spreadsheet, particularly with you responding to my statement that explicitly says I need to look at real numbers.Color me confused. --2giftsI apologize--the intent was to underscore your comment about looking at numbers and say I strongly agreed with you--who I assume does have a retirement spreadsheet of some sort since you frequently talk about running numbers. (And I think I have a construction planning spreadsheet that you wrote from several years ago.) The bulk of the reply was more a general response to anyone reading the thread that anyone who doesn't understand spreadsheet should consider learning about them. Having taught a couple of short, community ed Excel classes, I am always surprised at how cowed by spreadsheets many adults are.Kathleen
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