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01-16-2005, 18:03 
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I dabbled in finance in the early 90's and at that time the average mutual fund rate of return for the past 30yrs. was 11.8 percent and I'm sure that figure must be a bit higher today. So, rounding 11.8 percent off to 12%, $9,000 present value for 18 years come out to around 69K. Sorry for the confusion.
