"My only comment is that models continue to work until they don't. I used to think my cash flow models good and even better as I made them more complex. As time went on they started giving bad projections caused by the model and/or bad input by the users. While we haven't abandoned the model, I've taken out some of the complexity. This is why I take results from "accurate" models with a grain of salt. Remember the old saying: "Past performance is no guarantee of future results." - akck ------------You got to know how to skin the rabbit which means you have to know how to make do with what you got. Get by in life. It helps to be frugal to start with. If all you got is a bag of rice and a bag of beans you have to know how to cook rice and beans. If the only kind of food you know how to fix is processed food and use the microwave you might be hurting in hard times but if you know how to make do with just a little bit you can get by in some pretty hard times. I made Pho for brunch this morning using all leftovers and it was awesome. I picked a couple of Cholula peppers off a plant in my living room. I brought it in when it started to get cold outside. Art
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