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Mike,

If you want to construct a spreadsheet to test your mathematical assumption and show me that I'm wrong, I'll be open-minded. And if you want me to e-mail my spreadsheet described above to you as a point of departure, I'm happy to do so.

Since you only offered this to me then I better take you up on it!

Please do email me the attachment. Hopefully I will have some time to put something together this weekend. I have copied this to your email also.

Thanks.

Prestone
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