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Great stuff as always with Craig's spreadsheets. As I mentioned on the "open mike", I believe participants in these webinars might benefit from a more thorough analysis and demonstration (illustration) of Craig's SECOND spreadsheet in a manner similar to the way he has demonstrated the first worksheet on young people age 35 saving 5% of their salary. These second spreadsheet seems to be geared towards retirees and the sequence of returns issue is one that will take more than one webinar to comprehend.