Steve, your first post today, that is after you opened your account (TODAY), you said you read both boards. If you truly do, you'd know about the "back of the napkin" calculation Sculpin is talking about.
If you don't, I suggest you go to the other board, and continue to review. It was a very good post.
PS: Every weekend we like to donate a prize to one poster, it's a nice Red Flag with 6 letters, that we paste across someones face. So far, you're first in the running.