If you are not comfortable with spreadsheets, find a community education class in your area and take it. Or buy a book and play around. Or take Ray's spreadsheet and study it. Bottom line is there is little reason for anyone here NOT to be setting up their own models (or adapting someone else's model) to account for their own situations!!!!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.