Look, you can't just make a handwaving argument and expect it to be accepted. That is the *starting* point of the discussion, not the *ending* point. Where is the monte-carlo analysis? Where is the historical analysis? You have to back up your argument with data, no just mere assertion.You need to see my reference material. It is extensive.This is my web site.http://www.early-retirement-planning-insights.com/You can download calculators from my Yahoo Briefcase. My Yahoo username is jwr19452000. Everything is at my own expense. I do not sell anything. I do not accept donations.Have fun.John Walter Russell
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