COcheesehead
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I'm not looking for an explanation or need to be sold. I'm just stating Fido seems more pessimistic than history indicates. And yes I understand that the front loading of all the bad times is what SORR is made of. Guess the 90 mc is 95 historical is the most valid comment on Fido's tool. Still makes it overly pessimistic.
Playing devils' advocate, would you want a tool to be the opposite?