Aww, you're all being so nice...
Thanks Bron.
All will be revealed in time... I have special spreadsheets, and tools I use, but I can't release them currently. I do a lot of reading, and a lot of playing around with calculations, factoring in various things.
We have indeed, Only Just Begun..
The Carpenters are really not my style, but it's a nice song of theirs, and seemed fitting.