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<It would make for an interesting study that would quickly bog down in tax deferred versus taxable; Roth vs
other tax deferred; 20% vs 28% capital gain tax; part of total return to be allocated to dividends vs price
appreciation; needed withdrawal vs 72t mandated withdrawal; and a few others I haven't thought of yet. For
that reason, I'll volunteer you to do it and I'll check the numbers. How's that for a deal? :-)>

That's why I suggested just a few numbers--and round ones at that. Just to keep it simple. Anything more complex than back of the envelope doodlings, and you'd have to pay me. Unfortunately, noone can afford what I'd want to charge....

Eric Hines
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