YTG –
It obvoius you spent a lot of time putting this togeterh, and it really well thought out (I did not read it entirley, but plan to on the way home) but unless you’re on the giving comittee of a multi-million $ charitable trust, I doubt any of us need such a complicated formula. Besides, I doubt I could pass such scrutiny when I ask for a heavenly handout (health, job success, kids not going off the deep end, ect) so why would I put someone else under such a severe microscope?