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Sheople, you changed one of the initial investment amounts, so yes the final value estimate will be less. I may be missing your question, but the reason for the change in estimated long-term value is that the average annual return became fixed between Dec '07 and now. And that return was different than your assumed average annual return. If between now and next year the actual return is high, then you could run the numbers again and that time see a higher result than your original Dec '07 estimated long-term value. Hope that helps.

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