<HTML>In a message dated 5/3/02 11:28:04 AM Central Daylight Time, jorge1ml@cmich.edu writes: <BLOCKQUOTE TYPE=CITE style="BORDER-LEFT: #0000ff 2px solid; MARGIN-LEFT: 5px; MARGIN-RIGHT: 0px; PADDING-LEFT: 5px">Hi Willem and Others,       Please be aware that my answers below are my own views and may or may not reflect the reasoning of the rest of the committee.  The more I study the formulas the more I appreciate the intelligence of the old formula and the revisions Fred has introduced. </BLOCKQUOTE> Mike Thank you very much for taking the time and trouble to answer all of my questions and concerns. After reading your responses, I realize where the problems are with my plan. I am still having some problem digesting the CAUT formula, but hopefully with some of the changes that seem to be coming, I might actually get a handle on it. I want to also thank Eric for his words of wisdom. Together with what the both of you wrote, I have a better understanding, and appreciation, of the CAUT formula. And thank you both also for at least not trashing my plan, and giving it some sense of credibility. Hopefully it can be of some use to someone. Wim</HTML>