You stated that it’s silly to expect the money to be the same or higher after 14.5 years. It’s boldes above, your words. Why is it silly to expect the money to at least maintain its principal over 14.5 years? What data in the stock market are you using to state that it’s “silly” to expect even money over 14.5 years? Once again I’m anxiously awaiting the facts to back your assertion.