here is the 2x result from wild_card's last logic: Year % Return 1986 38.60% 1987 150.21% 1988 59.78% 1989 53.67% 1990 33.15% 1991 297.94% 1992 86.70% 1993 93.68% 1994 56.86% 1995 232.94% 1996 227.47% 1997 235.45% 1998 219.21% 1999 282.07% 2000 123.24% 2001 85.23% 2002 115.96% 2003 67.27% 2004 110.01% 2005 23.43% 86-95 110.35% 96-05 148.93% 20 yr 129.64%