Alan, this sure is one of the big questions. There's only one problem with the answer. The fact that it will come from Singer makes that I won't believe it anyhow. Other statements he has made have been so far off that I won't believe him until I see sound proof. Screen pictures of his big wins, a complete record of 10 years of W2-G forms, bank statements showing the growth of his assets during those ten years, etc will do but he will never provide that proof and he has every right not to provide it. I'm not sharing my bank statements, nore my tax files with the rest of the world so why should he right? But the result is we have to take his statements at face value and since they don't make sense, my statement is his "system" is not excisting. This all comes down to math and statistics. Both aren't in his advantage....