Andy-- glad to meet you-- and me hail from the same stateWe're only about 5 or 6 hours away. It's a big state. :-)And thanks for the suggestions. I'll check them out.Like you, I was puzzled by the discrepancy between doing plain math and the results obtained in Excel. And it seems to be more than simply a year with 360 or 365 days. Or a matter of decimal places; I'm sure these computers carry calculations out to more decimal places than necessary.Of course, the difference between a 17% or an 18.2% yield probably wouldn't be a deal breaker.Andy
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