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Hi Sand,

Thank you very much for the effort that went into the file you prepared. I have not used even the earlier version very much, so I have a couple of questions.

What data, besides the ticker, is the user expected to enter? For instance, do we ourselves enter the Pass/Fail grades on the 5 minute test after looking through the 10-K? Do we enter our expected return rates, estimated P/Es, and dividend rates in the Croesus test section? Anything on the other tabs, such as the Footnotes tab?

What are the intermediate, yellow, columns for on the three financial statement pages, the ones labeled "year/01"?

Thanks, again, for your work and willingness to share.

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