JP, I like your formula but also feel like you are being conservative on the values, which is fine my friend. Gerald has held on to this baby to get the greatest value. He's already a millionair but expect that to change by a digit before he retires. I've always taught my children that the only thing you own worth real value is your word. Goodluck everyone, I have to be honest I'm disappointed I can invest another $40,000 real money in this for 3 weeks...fml