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The person who come up with the parameters was...uh, you. You specifically asked for 68 years of information. Now you can't figure why people are using 68 years. Completely baffled.

I can understand why you're baffled. You're not following the conversation. As the discussion progressed--or in this case regressed--it was decided (by me) to make it easy(er) for someone to do their alleged back of the envelope numbers, which did not include draw down.
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