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It was very interesting when Craig pointed out that the spreadsheet program he was using was NOT in the model of a Monte Carlo simulation, which is something that I (and others) are sometimes hesitant to use with clients, particularly when all of the various disclaimers are added to the finished product. Amazingly, as Craig pointed out, the data generated by the spreadsheet appears to be actual computations of returns over the respective time periods, and that is indeed a valuable tool for client use.