Hi Alton. That example is there just to explain the higher ROCAR one gets with LD versus Classic. Download the excel worksheet to play around with different scenarios. Here are a few screen shots of that example using $10k as a starting point and the associated work tables. images.investorshub.advfn.com/images/uploads/2010/1/27/tmxjiLD-AIM_Example_1-27-10.JPG images.investorshub.advfn.com/images/uploads/2010/1/27/fcapjLDex2.JPG Have fun!