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Craig is providing a truly important service with the spreadsheet showing the various scenarios for accumulation and retirement. The fact that the spreadsheet is NOT a forecasting tool, and further more that it is NOT a Monte Carlo simulation (which are a dime a dozen these days) is a testament to the originality and insight that Craig brings to this topic of portfolio sustainability over time. Yes, it is reassuring to see the numbers crunched and it will be helpful for client illustration purposes.