I used the RATE[ ] function to do the same thing. Where you got 10.96%, I got 11.06% - close enough. So the performance numbers I have look like this: '--------------------- System__NDX 86-95 avg ----> 32.05%__15.88% 96-05 avg ----> 49.74%__11.06% 20 yr avg -----> 38.25%__13.45% This is starting to look more realistic, but still very cool.