Here is 100% equity in Tax Deferred. 100% Bond in After Tax, income 38K/year
-terms- Values -text-
CurrAge 55 Current Age of Retiree
Spouse 0 Current Age of Spouse
TaxDef 500 Beginning Tax-Deferred Account Balance
TaxDef2 0 Spouse Initial Tax-Deferred Account Bala
TDNoTaxr 0 Retiree tax-deferred, after tax balance.
TDNoTaxs 0 Spouse tax-deferred, after tax balance.
ContDef 0 Contribution to Tax-Deferred Account
ContDef2 0 Spouses Contribution to Tax-Deferred Acc
RothIRA 0 Roth IRA account Balance
RothIRA2 0 Spouses Roth IRA account Balance
ContRoth 0 Contribution to Roth IRA Account
CntRoth2 0 Spouses Contribution to Roth IRA Account
MinRoth 0 Minimum Roth Balance
AfterTax 500 After-Tax Investment Balance
aftxCost 1000 Cost Basis of Initial After-tax Balance
ContSave 0 Contribution to Savings Account
MinTaxbl 0 Minimum After-tax Account Balance
Estate 0 Minimum Estate Size
Illiquid 0 Illiquid Asset Value.
Illiqudh 0 Illiquid Asset Value (home).
TaxBasis 0 Illiquid Asset Tax Basis.
TaxBassh 0 Illiquid Asset (Home) Tax Basis.
Uprinbal 0 Unpaid Principle Balance
Uprinblh 0 Unpaid Principle Balance (home).
SellYear 0 Year to sell illiquid asset.
SellYerh 0 Year to sell illiquid asset (home).
MortYear 0 Age to Begin Reverse Mortgage
LifeTime 0 Reverse Mortgage: Life time income plan
LumpMort 0 Reverse Mortgage: Lump Sum Distribution
SocSec 0 Social Security. 0 for Null, -1 for 0
SocSec2 0 Spouses Soc Sec. 0 for Null, -1 for 0.
SocSecA 0 Age to Begin Social Security.
SocSecA2 0 Spouses Age to begin Social Security.
DisableR 0 Retiree receiving disability benefits
DisableS 0 Spouse receiving disability benefits
ssFullFn 0 1 if Soc Sec fully funded after 2035
PensionI 0 Pension, Adjusted For Inflation.
PensinI2 0 Spouses Pension, Adjusted For Inflation.
Pension 0 Pension, NOT Adjusted For Inflation.
Pension2 0 Spouses Pension - NO Inflation.
PensionA 0 Age to start Pension.
PensinA2 0 Spouses Age to start Pension.
PensionS 0 Pension Survivors Benefit %.
PensinS2 0 Spouses Survivor Benefit %.
EarnInc 0 Earned Income.
EarnInc2 0 Spouses Earned Income.
EarnIage 0 Age to end Earned Income.
EarnIag2 0 Spouses Age to end Earned Income.
annudr 0 Retiree Initial Annuity Dividend.
annuds 0 Spouse Initial Annuity Dividend.
annufr 0 Annuity Premium Transfered for IRA.
annufs 0 Spouse Premium Transfered for IRA.
annuar 0 Retiree age to begin dividends.
annuas 0 Spouse age to begin dividends.
-terms- Values -text-
tontindr 0 Retiree, Initial Tontine Dividend
tontinds 0 Spouse, Initial Tontine Dividend
tontinfr 0 Retiree: Premium transfered from IRA
tontinfs 0 Premium transfered from IRA
obamaC 0 Affordable Care Act, PTC
ACAlid 0 MACGI upper limit for ACA,
HSAcont 0 Health Savings Acc Contribution,
RetAge 65 Age to Begin Retirement Plan.
RetAgeS 65 Age at which spouse retires.
Termr 92 Retiree Planning Horizon
Terms 92 Spouse Planning Horizon
earlyr 0 Retiree early withdrawal (-1 none)
earlys 0 Spouse early withdrawal (-1 none)
rrp 0 Spending Model.
IRA2Roth 0 Maximum IRA to Roth IRA Conversions.
StktxDfR 100 % in tax deferred stocks at retirement
StkRothR 100 % in Roth stocks at retirement
StkTxblR 0 % in After-tax stocks at retirement
StktxDfE 100 % in tax deferred stocks at plan end
StkRothE 100 % in Roth stocks at plan end
StkTxblE 0 % in After-tax stocks at plan end
gainsira 6 % IRA return on stocks
gainsrth 6 % Roth IRA return on stocks
gainsaft 6 % After-tax return on stocks
yieldira 3 % IRA return on fixed income investment
yieldrth 3 % Roth IRA return on fixed income inv
yieldaft 3 % After-tax return on fixed income inv.
Inflatn 2 Inflation rate for income
InflatnS 4 Spending inflation rate
TaxRateI 15 Combined Capital Gains Tax Rate
FedTxLvl 15 Current Marginal Income Tax Rate
StateMin 0 State Income Tax Std. Deduct. & Exemptn.
StateRte 0 State Personal Income Tax Rate.
essfst 0 Exclude Soc Sec benefits from State Tax.
penex 0 Pension Exclusion From State Taxes
Extra1A 0 Age of 1st Extraordinary Event
Extra2A 0 Age of 2nd Extraordinary Event
Extra3A 0 Age of 3rn Extraordinary Event
Extra4A 0 Age of 4th Extraordinary Event
Extra5A 0 Age of 5th Extraordinary Event
Extra6A 0 Age of 6th Extraordinary Event
Extra1D 0 Amount of 1st Extraordinary Expense
Extra2D 0 Amount of 2nd Extraordinary Expense
Extra3D 0 Amount of 3rd Extraordinary Expense
Extra4D 0 Amount of 4th Extraordinary Expense
Extra5D 0 Amount of 5th Extraordinary Expense
Extra6D 0 Amount of 6th Extraordinary Expense
Extra1I 0 Amount of 1st Extraordinary Income
Extra2I 0 Amount of 2nd Extraordinary Income
Extra3I 0 Amount of 3rd Extraordinary Income
Extra4I 0 Amount of 4th Extraordinary Income
Extra5I 0 Amount of 5th Extraordinary Income
Extra6I 0 Amount of 6th Extraordinary Income
VWSyear 0 Year to begin VWS simulation.
-terms- Values -text-
VWSfloor 0 Essential spending.
VWSceil 0 Maximum of discretionary spending.
MonteC 0 Monte Carlo Risk Assessment
Here is 100% Bond in Tax Deferred. 100% equity in After Tax, income 41K/year
-terms- Values -text-
CurrAge 55 Current Age of Retiree
Spouse 0 Current Age of Spouse
TaxDef 500 Beginning Tax-Deferred Account Balance
TaxDef2 0 Spouse Initial Tax-Deferred Account Bala
TDNoTaxr 0 Retiree tax-deferred, after tax balance.
TDNoTaxs 0 Spouse tax-deferred, after tax balance.
ContDef 0 Contribution to Tax-Deferred Account
ContDef2 0 Spouses Contribution to Tax-Deferred Acc
RothIRA 0 Roth IRA account Balance
RothIRA2 0 Spouses Roth IRA account Balance
ContRoth 0 Contribution to Roth IRA Account
CntRoth2 0 Spouses Contribution to Roth IRA Account
MinRoth 0 Minimum Roth Balance
AfterTax 500 After-Tax Investment Balance
aftxCost 1000 Cost Basis of Initial After-tax Balance
ContSave 0 Contribution to Savings Account
MinTaxbl 0 Minimum After-tax Account Balance
Estate 0 Minimum Estate Size
Illiquid 0 Illiquid Asset Value.
Illiqudh 0 Illiquid Asset Value (home).
TaxBasis 0 Illiquid Asset Tax Basis.
TaxBassh 0 Illiquid Asset (Home) Tax Basis.
Uprinbal 0 Unpaid Principle Balance
Uprinblh 0 Unpaid Principle Balance (home).
SellYear 0 Year to sell illiquid asset.
SellYerh 0 Year to sell illiquid asset (home).
MortYear 0 Age to Begin Reverse Mortgage
LifeTime 0 Reverse Mortgage: Life time income plan
LumpMort 0 Reverse Mortgage: Lump Sum Distribution
SocSec 0 Social Security. 0 for Null, -1 for 0
SocSec2 0 Spouses Soc Sec. 0 for Null, -1 for 0.
SocSecA 0 Age to Begin Social Security.
SocSecA2 0 Spouses Age to begin Social Security.
DisableR 0 Retiree receiving disability benefits
DisableS 0 Spouse receiving disability benefits
ssFullFn 0 1 if Soc Sec fully funded after 2035
PensionI 0 Pension, Adjusted For Inflation.
PensinI2 0 Spouses Pension, Adjusted For Inflation.
Pension 0 Pension, NOT Adjusted For Inflation.
Pension2 0 Spouses Pension - NO Inflation.
PensionA 0 Age to start Pension.
PensinA2 0 Spouses Age to start Pension.
PensionS 0 Pension Survivors Benefit %.
PensinS2 0 Spouses Survivor Benefit %.
EarnInc 0 Earned Income.
EarnInc2 0 Spouses Earned Income.
EarnIage 0 Age to end Earned Income.
EarnIag2 0 Spouses Age to end Earned Income.
annudr 0 Retiree Initial Annuity Dividend.
annuds 0 Spouse Initial Annuity Dividend.
annufr 0 Annuity Premium Transfered for IRA.
annufs 0 Spouse Premium Transfered for IRA.
annuar 0 Retiree age to begin dividends.
annuas 0 Spouse age to begin dividends.
-terms- Values -text-
tontindr 0 Retiree, Initial Tontine Dividend
tontinds 0 Spouse, Initial Tontine Dividend
tontinfr 0 Retiree: Premium transfered from IRA
tontinfs 0 Premium transfered from IRA
obamaC 0 Affordable Care Act, PTC
ACAlid 0 MACGI upper limit for ACA,
HSAcont 0 Health Savings Acc Contribution,
RetAge 65 Age to Begin Retirement Plan.
RetAgeS 65 Age at which spouse retires.
Termr 92 Retiree Planning Horizon
Terms 92 Spouse Planning Horizon
earlyr 0 Retiree early withdrawal (-1 none)
earlys 0 Spouse early withdrawal (-1 none)
rrp 0 Spending Model.
IRA2Roth 0 Maximum IRA to Roth IRA Conversions.
StktxDfR 0 % in tax deferred stocks at retirement
StkRothR 0 % in Roth stocks at retirement
StkTxblR 100 % in After-tax stocks at retirement
StktxDfE 0 % in tax deferred stocks at plan end
StkRothE 0 % in Roth stocks at plan end
StkTxblE 100 % in After-tax stocks at plan end
gainsira 6 % IRA return on stocks
gainsrth 6 % Roth IRA return on stocks
gainsaft 6 % After-tax return on stocks
yieldira 3 % IRA return on fixed income investment
yieldrth 3 % Roth IRA return on fixed income inv
yieldaft 3 % After-tax return on fixed income inv.
Inflatn 2 Inflation rate for income
InflatnS 4 Spending inflation rate
TaxRateI 15 Combined Capital Gains Tax Rate
FedTxLvl 15 Current Marginal Income Tax Rate
StateMin 0 State Income Tax Std. Deduct. & Exemptn.
StateRte 0 State Personal Income Tax Rate.
essfst 0 Exclude Soc Sec benefits from State Tax.
penex 0 Pension Exclusion From State Taxes
Extra1A 0 Age of 1st Extraordinary Event
Extra2A 0 Age of 2nd Extraordinary Event
Extra3A 0 Age of 3rn Extraordinary Event
Extra4A 0 Age of 4th Extraordinary Event
Extra5A 0 Age of 5th Extraordinary Event
Extra6A 0 Age of 6th Extraordinary Event
Extra1D 0 Amount of 1st Extraordinary Expense
Extra2D 0 Amount of 2nd Extraordinary Expense
Extra3D 0 Amount of 3rd Extraordinary Expense
Extra4D 0 Amount of 4th Extraordinary Expense
Extra5D 0 Amount of 5th Extraordinary Expense
Extra6D 0 Amount of 6th Extraordinary Expense
Extra1I 0 Amount of 1st Extraordinary Income
Extra2I 0 Amount of 2nd Extraordinary Income
Extra3I 0 Amount of 3rd Extraordinary Income
Extra4I 0 Amount of 4th Extraordinary Income
Extra5I 0 Amount of 5th Extraordinary Income
Extra6I 0 Amount of 6th Extraordinary Income
VWSyear 0 Year to begin VWS simulation.
-terms- Values -text-
VWSfloor 0 Essential spending.
VWSceil 0 Maximum of discretionary spending.
MonteC 0 Monte Carlo Risk Assessment
-terms- Values -text-
CurrAge 55 Current Age of Retiree
Spouse 0 Current Age of Spouse
TaxDef 500 Beginning Tax-Deferred Account Balance
TaxDef2 0 Spouse Initial Tax-Deferred Account Bala
TDNoTaxr 0 Retiree tax-deferred, after tax balance.
TDNoTaxs 0 Spouse tax-deferred, after tax balance.
ContDef 0 Contribution to Tax-Deferred Account
ContDef2 0 Spouses Contribution to Tax-Deferred Acc
RothIRA 0 Roth IRA account Balance
RothIRA2 0 Spouses Roth IRA account Balance
ContRoth 0 Contribution to Roth IRA Account
CntRoth2 0 Spouses Contribution to Roth IRA Account
MinRoth 0 Minimum Roth Balance
AfterTax 500 After-Tax Investment Balance
aftxCost 1000 Cost Basis of Initial After-tax Balance
ContSave 0 Contribution to Savings Account
MinTaxbl 0 Minimum After-tax Account Balance
Estate 0 Minimum Estate Size
Illiquid 0 Illiquid Asset Value.
Illiqudh 0 Illiquid Asset Value (home).
TaxBasis 0 Illiquid Asset Tax Basis.
TaxBassh 0 Illiquid Asset (Home) Tax Basis.
Uprinbal 0 Unpaid Principle Balance
Uprinblh 0 Unpaid Principle Balance (home).
SellYear 0 Year to sell illiquid asset.
SellYerh 0 Year to sell illiquid asset (home).
MortYear 0 Age to Begin Reverse Mortgage
LifeTime 0 Reverse Mortgage: Life time income plan
LumpMort 0 Reverse Mortgage: Lump Sum Distribution
SocSec 0 Social Security. 0 for Null, -1 for 0
SocSec2 0 Spouses Soc Sec. 0 for Null, -1 for 0.
SocSecA 0 Age to Begin Social Security.
SocSecA2 0 Spouses Age to begin Social Security.
DisableR 0 Retiree receiving disability benefits
DisableS 0 Spouse receiving disability benefits
ssFullFn 0 1 if Soc Sec fully funded after 2035
PensionI 0 Pension, Adjusted For Inflation.
PensinI2 0 Spouses Pension, Adjusted For Inflation.
Pension 0 Pension, NOT Adjusted For Inflation.
Pension2 0 Spouses Pension - NO Inflation.
PensionA 0 Age to start Pension.
PensinA2 0 Spouses Age to start Pension.
PensionS 0 Pension Survivors Benefit %.
PensinS2 0 Spouses Survivor Benefit %.
EarnInc 0 Earned Income.
EarnInc2 0 Spouses Earned Income.
EarnIage 0 Age to end Earned Income.
EarnIag2 0 Spouses Age to end Earned Income.
annudr 0 Retiree Initial Annuity Dividend.
annuds 0 Spouse Initial Annuity Dividend.
annufr 0 Annuity Premium Transfered for IRA.
annufs 0 Spouse Premium Transfered for IRA.
annuar 0 Retiree age to begin dividends.
annuas 0 Spouse age to begin dividends.
-terms- Values -text-
tontindr 0 Retiree, Initial Tontine Dividend
tontinds 0 Spouse, Initial Tontine Dividend
tontinfr 0 Retiree: Premium transfered from IRA
tontinfs 0 Premium transfered from IRA
obamaC 0 Affordable Care Act, PTC
ACAlid 0 MACGI upper limit for ACA,
HSAcont 0 Health Savings Acc Contribution,
RetAge 65 Age to Begin Retirement Plan.
RetAgeS 65 Age at which spouse retires.
Termr 92 Retiree Planning Horizon
Terms 92 Spouse Planning Horizon
earlyr 0 Retiree early withdrawal (-1 none)
earlys 0 Spouse early withdrawal (-1 none)
rrp 0 Spending Model.
IRA2Roth 0 Maximum IRA to Roth IRA Conversions.
StktxDfR 100 % in tax deferred stocks at retirement
StkRothR 100 % in Roth stocks at retirement
StkTxblR 0 % in After-tax stocks at retirement
StktxDfE 100 % in tax deferred stocks at plan end
StkRothE 100 % in Roth stocks at plan end
StkTxblE 0 % in After-tax stocks at plan end
gainsira 6 % IRA return on stocks
gainsrth 6 % Roth IRA return on stocks
gainsaft 6 % After-tax return on stocks
yieldira 3 % IRA return on fixed income investment
yieldrth 3 % Roth IRA return on fixed income inv
yieldaft 3 % After-tax return on fixed income inv.
Inflatn 2 Inflation rate for income
InflatnS 4 Spending inflation rate
TaxRateI 15 Combined Capital Gains Tax Rate
FedTxLvl 15 Current Marginal Income Tax Rate
StateMin 0 State Income Tax Std. Deduct. & Exemptn.
StateRte 0 State Personal Income Tax Rate.
essfst 0 Exclude Soc Sec benefits from State Tax.
penex 0 Pension Exclusion From State Taxes
Extra1A 0 Age of 1st Extraordinary Event
Extra2A 0 Age of 2nd Extraordinary Event
Extra3A 0 Age of 3rn Extraordinary Event
Extra4A 0 Age of 4th Extraordinary Event
Extra5A 0 Age of 5th Extraordinary Event
Extra6A 0 Age of 6th Extraordinary Event
Extra1D 0 Amount of 1st Extraordinary Expense
Extra2D 0 Amount of 2nd Extraordinary Expense
Extra3D 0 Amount of 3rd Extraordinary Expense
Extra4D 0 Amount of 4th Extraordinary Expense
Extra5D 0 Amount of 5th Extraordinary Expense
Extra6D 0 Amount of 6th Extraordinary Expense
Extra1I 0 Amount of 1st Extraordinary Income
Extra2I 0 Amount of 2nd Extraordinary Income
Extra3I 0 Amount of 3rd Extraordinary Income
Extra4I 0 Amount of 4th Extraordinary Income
Extra5I 0 Amount of 5th Extraordinary Income
Extra6I 0 Amount of 6th Extraordinary Income
VWSyear 0 Year to begin VWS simulation.
-terms- Values -text-
VWSfloor 0 Essential spending.
VWSceil 0 Maximum of discretionary spending.
MonteC 0 Monte Carlo Risk Assessment
Here is 100% Bond in Tax Deferred. 100% equity in After Tax, income 41K/year
-terms- Values -text-
CurrAge 55 Current Age of Retiree
Spouse 0 Current Age of Spouse
TaxDef 500 Beginning Tax-Deferred Account Balance
TaxDef2 0 Spouse Initial Tax-Deferred Account Bala
TDNoTaxr 0 Retiree tax-deferred, after tax balance.
TDNoTaxs 0 Spouse tax-deferred, after tax balance.
ContDef 0 Contribution to Tax-Deferred Account
ContDef2 0 Spouses Contribution to Tax-Deferred Acc
RothIRA 0 Roth IRA account Balance
RothIRA2 0 Spouses Roth IRA account Balance
ContRoth 0 Contribution to Roth IRA Account
CntRoth2 0 Spouses Contribution to Roth IRA Account
MinRoth 0 Minimum Roth Balance
AfterTax 500 After-Tax Investment Balance
aftxCost 1000 Cost Basis of Initial After-tax Balance
ContSave 0 Contribution to Savings Account
MinTaxbl 0 Minimum After-tax Account Balance
Estate 0 Minimum Estate Size
Illiquid 0 Illiquid Asset Value.
Illiqudh 0 Illiquid Asset Value (home).
TaxBasis 0 Illiquid Asset Tax Basis.
TaxBassh 0 Illiquid Asset (Home) Tax Basis.
Uprinbal 0 Unpaid Principle Balance
Uprinblh 0 Unpaid Principle Balance (home).
SellYear 0 Year to sell illiquid asset.
SellYerh 0 Year to sell illiquid asset (home).
MortYear 0 Age to Begin Reverse Mortgage
LifeTime 0 Reverse Mortgage: Life time income plan
LumpMort 0 Reverse Mortgage: Lump Sum Distribution
SocSec 0 Social Security. 0 for Null, -1 for 0
SocSec2 0 Spouses Soc Sec. 0 for Null, -1 for 0.
SocSecA 0 Age to Begin Social Security.
SocSecA2 0 Spouses Age to begin Social Security.
DisableR 0 Retiree receiving disability benefits
DisableS 0 Spouse receiving disability benefits
ssFullFn 0 1 if Soc Sec fully funded after 2035
PensionI 0 Pension, Adjusted For Inflation.
PensinI2 0 Spouses Pension, Adjusted For Inflation.
Pension 0 Pension, NOT Adjusted For Inflation.
Pension2 0 Spouses Pension - NO Inflation.
PensionA 0 Age to start Pension.
PensinA2 0 Spouses Age to start Pension.
PensionS 0 Pension Survivors Benefit %.
PensinS2 0 Spouses Survivor Benefit %.
EarnInc 0 Earned Income.
EarnInc2 0 Spouses Earned Income.
EarnIage 0 Age to end Earned Income.
EarnIag2 0 Spouses Age to end Earned Income.
annudr 0 Retiree Initial Annuity Dividend.
annuds 0 Spouse Initial Annuity Dividend.
annufr 0 Annuity Premium Transfered for IRA.
annufs 0 Spouse Premium Transfered for IRA.
annuar 0 Retiree age to begin dividends.
annuas 0 Spouse age to begin dividends.
-terms- Values -text-
tontindr 0 Retiree, Initial Tontine Dividend
tontinds 0 Spouse, Initial Tontine Dividend
tontinfr 0 Retiree: Premium transfered from IRA
tontinfs 0 Premium transfered from IRA
obamaC 0 Affordable Care Act, PTC
ACAlid 0 MACGI upper limit for ACA,
HSAcont 0 Health Savings Acc Contribution,
RetAge 65 Age to Begin Retirement Plan.
RetAgeS 65 Age at which spouse retires.
Termr 92 Retiree Planning Horizon
Terms 92 Spouse Planning Horizon
earlyr 0 Retiree early withdrawal (-1 none)
earlys 0 Spouse early withdrawal (-1 none)
rrp 0 Spending Model.
IRA2Roth 0 Maximum IRA to Roth IRA Conversions.
StktxDfR 0 % in tax deferred stocks at retirement
StkRothR 0 % in Roth stocks at retirement
StkTxblR 100 % in After-tax stocks at retirement
StktxDfE 0 % in tax deferred stocks at plan end
StkRothE 0 % in Roth stocks at plan end
StkTxblE 100 % in After-tax stocks at plan end
gainsira 6 % IRA return on stocks
gainsrth 6 % Roth IRA return on stocks
gainsaft 6 % After-tax return on stocks
yieldira 3 % IRA return on fixed income investment
yieldrth 3 % Roth IRA return on fixed income inv
yieldaft 3 % After-tax return on fixed income inv.
Inflatn 2 Inflation rate for income
InflatnS 4 Spending inflation rate
TaxRateI 15 Combined Capital Gains Tax Rate
FedTxLvl 15 Current Marginal Income Tax Rate
StateMin 0 State Income Tax Std. Deduct. & Exemptn.
StateRte 0 State Personal Income Tax Rate.
essfst 0 Exclude Soc Sec benefits from State Tax.
penex 0 Pension Exclusion From State Taxes
Extra1A 0 Age of 1st Extraordinary Event
Extra2A 0 Age of 2nd Extraordinary Event
Extra3A 0 Age of 3rn Extraordinary Event
Extra4A 0 Age of 4th Extraordinary Event
Extra5A 0 Age of 5th Extraordinary Event
Extra6A 0 Age of 6th Extraordinary Event
Extra1D 0 Amount of 1st Extraordinary Expense
Extra2D 0 Amount of 2nd Extraordinary Expense
Extra3D 0 Amount of 3rd Extraordinary Expense
Extra4D 0 Amount of 4th Extraordinary Expense
Extra5D 0 Amount of 5th Extraordinary Expense
Extra6D 0 Amount of 6th Extraordinary Expense
Extra1I 0 Amount of 1st Extraordinary Income
Extra2I 0 Amount of 2nd Extraordinary Income
Extra3I 0 Amount of 3rd Extraordinary Income
Extra4I 0 Amount of 4th Extraordinary Income
Extra5I 0 Amount of 5th Extraordinary Income
Extra6I 0 Amount of 6th Extraordinary Income
VWSyear 0 Year to begin VWS simulation.
-terms- Values -text-
VWSfloor 0 Essential spending.
VWSceil 0 Maximum of discretionary spending.
MonteC 0 Monte Carlo Risk Assessment