And the confusion persists. Unbelievable.......it was always a very easy calculation, except for the transparency that doesn't really exist. You can make use of these two tables as a "guideline" only. images.investorshub.advfn.com/images/uploads/2012/10/9/dlxsdf1.PNG or this(hint!): images.investorshub.advfn.com/images/uploads/2012/10/9/izhgbfigure_3.PNG images.investorshub.advfn.com/images/uploads/2012/10/9/s[tldfigure_2.PNG or other...keep it simple