Initial
						"Horrible Timing"				Investment=
		Ending	Spending Income					Ending		$1,000,000
		Index	(100= Beginning Index Value)		Ending	Ending		Monetary
		Values			Index Value	Index Value		Values	Ending Value	Ending Value,
					(12/31/41),	(12/31/41),			(12/31/41),	(12/31/41),
		(1926-1941)		Initial Asset Allocation	If Investment	If Investment			If Investment	If Investment
				(Remains Untouched)	Begins	Begins			Begins	Begins
				(Equity %/Fixed Income %)	on 1/1/26	on 1/1/29			on 1/1/26	on 1/1/29
				100/0	68	36			$681,041	$356,896
				70/30	84	58			843,181	582,110
				60/40	90	66			897,227	657,182
				50/50	95	73			951,274	732,253
				Rebalancing
				to maintain equities
				between 50% and
				70%, adding 1/4 of
				reserves for every
				10% market decline
				[Beginning equity target 70%]		54				$539,128
				[Beginning equity target 60%]		61				$608,371
				[Beginning equity target 50%]		68				$681,788
		Source: Data supplied by Ibbotson Associates