I understood all that long ago. I have my own formula, I have crunched as many ACTUAL numbers as I can and the numbers don't make sense. I guess this is your point. The problem is that I can't make a valid arguement that it is either better or worse than was reported today..I would lean toward slightly better, but that doesn't mean I am right. Todays numbers were unusually far off what I would have expected, so so much for my model