By the way, a few other things:

1. Thanks for the reply, Intercst. I don't frequent MOTLEY FOOL that much any more, and when I do it's usually at CAMPFIRE and not here. That being said, your initial work of about 10 years ago got me on the right track regarding saving and future retirement etc. So thanks for being around.

2. Even if this new work by Bengen STILL shows that about 4% is the top SWR (according to what you said here...I don't yet understand PE10 so I am not sure why at this point), it does seem to contradict Dr. Bernstein and another "former poster" who say to be "bulletproof" 2% is the right number. This new work suggests that 4% is the bulletproof number and that something higher might be "safe enough" in many cases. Put another way, this new work seems to suggest that 4% is the floor rather than 2%.