Mike, No apologies needed! I'm glad that others are getting some use out of the tool. There are so many different combinations that it helps to have something that will do the math.
Just for grins, I added the "293" factor calculations to the spreadsheet and put it up on my shared drive. Feel free to check it out at
http://www.employees.org/~bhracing/g...ulator_1p2.xls
Might be a bit more realistic.. but again, your results may vary. Ya'll git whut ya payed fer......