Personal Finance Project

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PersonalFinanceProjectSpring2020.xlsx
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INSTRUCTIONS

Fill out assumptions tab Subject Line from Personal Finance Statement Comment
Read through all comments on the assumptions and personal finance statement tabs Salary Starting salary after graduation; Need to account for raises
Link assumptions and all amortization tables to the personal finance sheet where appropriate Spouse Salary Include spouse salary if filing jointly
Read the PDF also on D2L. It has a lot of hints for completing this successfully. Company Bonus optional if you'll have it
401K Distribution withdrawls from retirement accounts; This will only have a value during retirement; Can take penalty free withdralws at 59.5 but must take minimum withdrawl at least at 70.5
All comments from personal finance statement are re-copied here for easier reference. READ THROUGH ALL INSTRUCTION. Traditional IRA Distribution withdrawls from retirement accounts; This will only have a value during retirement; Can take penalty free withdralws at 59.5 but must take minimum withdrawl at least at 70.5
Retirement funds from other investments withdrwal from retirment account;Will want to use this if you retire before age 59.5; This is only retirement funds, if you wish to have extra investment funds accounts for additional income priror to retirement, you need to add rows here in income as well as in residual and currrent asset sections
DO NOT alter cells in this color Social Security Assume you do not receive social security or medicare for this project, but for your own purposes later on feel free to include these lines
MUST fill in all cells of this color Medicare Assume you do not receive social security or medicare for this project, but for your own purposes later on feel free to include these lines
MUST fill in all cells of this color Gross Income Total of all sources of income
Exemptions ( 1 per dependent, enter $)
Red cells are not used for this project but are there for reference if you choose to use this later. Standard Deduction (Single taxpayer)
Standard Deduction (Married filing jointly)
Itemized Deductions
401K Contributions just for total deduction;Only used for total deductions calculations; Repeat this respective value in residuals; Be mindful of contribution limits
Traditional IRA Contributions just for total deduction;Only used for total deductions calculations; Repeat this respective value in residuals; Be mindful of contribution limits
Total Deductions Total deductions, make sure you are only claiming either standard or itemized deductions, but not both
Taxable Net Income What is taxable of gross income after deductions
Tax Expense Change tax brackets as taxable net income changes
Child Tax Credit Look up 2019 tax changes, Assume $2000 credit per child if income is less than $400K / yr.
After Tax Income What's left of gross income after tax expense; (Gross income - tax expense)
Roth IRA Distributions retirement fund withdrawl
Total After Tax Net Income Include inflation where necessary, needs to reflect increase in dependents (kids, spouse); Add lines as necessary
Expenses
Rent
Utilities
Food Formula here only used to illustrate inflation, use your own values
Health Care To be conservative grow twice inflation. You will still have medical expenses even if covered by company policy; Do not assume medicade or medicare
Travel Usually understated. You will not travel like a college student the rest of your life
Vehicle Gas, maintenance, etc. If you chose to include your actual car purchases here, link to auto amortiztaion worksheet or note the entire purchase made in cash
Miscellaneous
Mortgage take down payment directly out of asset account (make a comment to indicate where) and link annual payments to house mortgate amortization worksheet
Student Loan Payments link to student loan amortization worksheet
Other
Total Expenses Total of all expenses above
Residual Income What income is left after taxes and annual expenses; (after tax net income - total expenses)
Funds to savings & checking account Place an IF statement here to aid in capping your savings account at 50% of annual gross income
Other Investments for Retirement make this the result of all other input to asset account subtracted from the residual income
Funds to IRA Annual contribution limits between IRA and Roth are 5500
Funds to 401K Annual contribution limit is 18,000
Funds to Roth IRA Only qualify to deposit while in certain tax brackets
Company Match; not included in residual income Match to the 401k up to a certain %, not apart of total residual income
Assets
Current Assets These are cumulative accounts input from the income statement above
Savings & Checking account Interest negligable, cap at 50% yearly salary
Other Investments for Retirement
IRA Select an appropriate rate of return for all retirement accounts.
401K
Roth IRA
Total Current Assets Total of the current asset accounts this year
Fixed Assets Do not depreciate or appreciate assets through time (with the expection of personal property) value will be dealt with at time of sale (such as trading in for a new car); If you are reading this and all other instructions, make a comment on your savings at age 95 stating where the money goes after you die
Auto
House This is the total value of the house. This value will remain constant until you sell it. You will need to show the down payment coming from either savings & checking or other investments.
Personal Property
Total Fixed Assets This grows as you accumulate stuff, not with inflation or interest
Total Assets current and fixed assets
Liabilities
Current Liabilities (can be zero for this project)
Total Current Liabilities
Long Term Liabilities respective year cell to the ending year balance of the amortization sheet;Link to the transposed end of year balances in respective amortization worksheet
Student Loan Debt
Auto Debt
Mortgage First year loan value is equal to the house value minus the down payment
Total Long Term Liabilities
Total Liabilities current + long term liabilities
Net Worth Assets - Liabilities
Sign your name to the right if you have red all the comments/instructions listed above.

Assumptions

Fill out all yellow boxes
Other Ref
Interest Rates Reference Inflation (non-negligible) 1
Other Investments 1 Salary rate of raise (outpace inflation) 1
Traditional IRA 1
401k 1
Roth IRA 1
NOTE: This assumption area will be used by yourself to help you coordinate timing for filling out the personal income statement and balance sheet. It will be used by the grader to help understand your persona.
Who are you? Notes Additional info
Profession
Location (can be multiple)
Marriage? (enter y or n)
If yes, spouse profession & year married
Kids? (enter y or n) 0
If yes to kids, what years?
Do you have student loans? (enter y or n)
What year do you buy a house?
What year(s) do you buy a car? (One must be done with a loan and amortization)
Any large/fun purchases? When/What?
What retirement accounts will you use?
When do you retire?
Any additional notes:

Personal Income Statement

Name Year Year Year Year Year Year Year Year Year Year Year
Admin: Admin: Show life after retirement including taxes and continuous expenses. Do not have to retire at 55, but you will stop taking in a salary and will start distributing from other retirement accounts. You will no longer pull company match and will not contribute to 401k or traditional IRA once you reach age of 70.5, but do not need to continue to contribute. Check to make sure that if you had kids as dependents you are removing them from expenses and tax dedcutions as necessary. 		Year Year Year Year Year Year Year Year Year Year Year Year Year Year Year Year Year Year
3/18/20 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054 2055 2056 2057 2058 2059 2060 2061 2062 2063 2064 2065 2066 2067 2068 2069 2070 2071 2072 2073 2074 2075 2076 2077 2078 2079 2080 2081 2082 2083 2084 2085 2086 2087 2088 2089 2090 2091
Age 21
Admin: Admin: Input your age here		 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92
Personal Income Statement
Income
Salary
Admin: Starting salary after graduation Need to account for raises
Spouse Salary
Admin: Admin: Include spouse salary if filing jointly
Company Bonus
Admin: Admin: optional if you'll have it
401K Distribution
Admin: Admin: withdrawls from retirement accounts This will only have a value during retirement Can take penalty free withdralws at 59.5 but must take minimum withdrawl at least at 70.5
Traditional IRA Distribution
Admin: Admin:withdrawls from retirement accounts This will only have a value during retirement Can take penalty free withdralws at 59.5 but must take minimum withdrawl at least at 70.5
Retirement funds from other investments
Admin: Admin:withdrwal from retirment account Will want to use this if you retire before age 59.5 This is only retirement funds, if you wish to have extra investment funds accounts for additional income priror to retirement, you need to add rows here in income as well as in residual and currrent asset sections
Social Security
Admin: Admin: Assume you do not receive social security or medicare for this project, but for your own purposes later on feel free to include these lines
Medicare
Gross Income
Admin: Admin: Total of all sources of income
Exemptions ( 1 per dependent, enter $)
Standard Deduction (Single taxpayer)
Standard Deduction (Married filing jointly)
Itemized Deductions
401K Contributions
Admin: Admin:just for total deduction Only used for total deductions calculations Repeat this respective value in residuals Be mindful of contribution limits
Traditional IRA Contributions
Admin: Admin: just for total deduction Only used for total deductions calculations Repeat this respective value in residuals Be mindful of contribution limits
Total Deductions
Admin: Admin: Total deductions, make sure you are only claiming either standard or itemized deductions, but not both
Taxable Net Income
Admin: What is taxable of gross income after deductions
Tax Expense
Admin: Admin: Change tax brackets as taxable net income changes
Child Tax Credit
Zignego, Bruce: Zignego, Bruce: Lood up 2018 tax changes, Assume $2000 credit per child if income is less than $400K / yr.
After Tax Income
Admin: Admin: What's left of gross income after tax expense (Gross income - tax expense)
Roth IRA Distributions (do not move this above taxes)
Admin: Admin: DO NOT USE UNTIL RETIREMENT AT 55 OR ALTER retirement fund withdrawl
Total After Tax Net Income
Expenses
Admin: Admin: Include inflation where necessary, needs to reflect increase in dependents (kids, spouse) Add lines as necesary
Rent
Utilities
Food
Admin: Admin: Formula here only used to illustrate inflation, use your own values		 $2,000 $2,000
Admin: Admin: Use this equation to map inflation over time. Substitute proper values for each expense and chose your own rate of inflation.
Health Care
Admin: Admin: To be conservative grow twice inflation. You will still have medical expenses even if covered by company policy Do not assume medicade or medicare

Admin: Admin: Show life after retirement including taxes and continuous expenses. Do not have to retire at 55, but you will stop taking in a salary and will start distributing from other retirement accounts. You will no longer pull company match and will not contribute to 401k or traditional IRA once you reach age of 70.5, but do not need to continue to contribute. Check to make sure that if you had kids as dependents you are removing them from expenses and tax dedcutions as necessary.
Admin: Admin: Use this equation to map inflation over time. Substitute proper values for each expense and chose your own rate of inflation.		 Travel
Admin: Admin: Usually understated. You will not travel like a college student the rest of your life
Vehicle
Admin: Admin: Gas, maintenance, etc. If you chose to include your actual car purchases here, link to auto amortiztaion worksheet or note the entire purchase made in cash
Miscellaneous
Mortgage
Admin: Admin: take down payment directly out of asset account (make a comment to indicate where) and link annual payments to house mortgate amortization worksheet
Student Loan Payments
Admin: Admin: link to student loan amortization worksheet
Other
Total Expenses
Admin: Admin: Total of all expenses above
Residual Income
Admin: Admin: What income is left after taxes and annual expenses (after tax net income - total expenses)

Admin: Admin: Spend all the residual income by distributing into asset accounts		 Funds to savings & checking account
Admin: Admin: Place an IF statement here to aid in capping your savings account at 50% of annual gross income
Other Investments for Retirement
Admin: make this the result of all other input to asset account subtracted from the residual income		 $ - 0
Katie Kelly: Admin: Example of an IF statement. This type of statement ensures that if 0 is going into check/savings account that the unused percentage is still going into an asset account.
Funds to IRA
Admin: Admin: Annual contribution limits between IRA and Roth are 5500		 $ - 0
Funds to 401K
Admin: Admin: Annual contribution limit is 18,000		 $0
Funds to Roth IRA
Admin: Admin: Only qualitfy to deposit while in certain tax brackets
Company Match; not included in residual income
Admin: Admin: Match to the 401k up to a certain %, not apart of total residual income
Have you spent all your money? (This should be equal to 0 every year) $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0 $ - 0

Personal Balance Sheet

Name Year Year Year Year Year Year Year Year Year Year Year
Admin: Admin: Show life after retirement including taxes and continuous expenses. Do not have to retire at 55, but you will stop taking in a salary and will start distributing from other retirement accounts. You will no longer pull company match and will not contribute to 401k or traditional IRA once you reach age of 70.5, but do not need to continue to contribute. Check to make sure that if you had kids as dependents you are removing them from expenses and tax dedcutions as necessary. 		Year Year Year Year Year Year Year Year Year Year Year Year Year Year Year Year Year Year
3/18/20 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 2034 2035 2036 2037 2038 2039 2040 2041 2042 2043 2044 2045 2046 2047 2048 2049 2050 2051 2052 2053 2054 2055 2056 2057 2058 2059 2060 2061 2062 2063 2064 2065 2066 2067 2068 2069 2070 2071 2072 2073 2074 2075 2076 2077 2078 2079 2080 2081 2082 2083 2084 2085 2086 2087 2088 2089 2090 2091
Age 21
Admin: Admin: Input your age here		 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92
Personal Finance Sheet
Assets
Current Assets
Admin: Admin: These are cumulative accounts input from the income statement above
Savings & Checking account
Admin: Admin: Iterest negligable, cap at 50% yearly salary		 $0 $0
Admin: Admin: This kind of equation accoutns ffor current assets in the account plus this years deposit. This is cumulative.
Other Investments for Retirement
Traditional IRA
Admin: Admin: Select an appropriate rate of return for all retirement accounts.
401K $0 $0
Admin: Admin: This equation accounts for growth of the asset from last year plus the deposit from the current year and also accounts for when retirement funds are used in gross income. Use your own interest rates
Roth IRA
Total Current Assets
Admin: Admin: Total of the current asset accounts this year
Fixed Assets
Admin: Admin: Do not depreciate or appreciate assets throughtime (with the expection of personal property) value will be dealt with at time of sale (such as trading in for a new car) If you are reading this and all other instructions, make a comment on your savings at age 95 stating where the money goes after you die
Auto
House
Personal Property
Admin: Admin: This grows as you accumulate stuff, not with inflation or interest
Total Fixed Assets
Admin: Admin: Sum of fixed assets for the current year
Total Assets
Admin: Admin: current and fixed assets
Liabilities
Current Liabilities (can be zero for this project)
Total Current Liabilities
Long Term Liabilities
Admin: Admin: respective year cell to the ending year balance of the amortization sheet. Link to the transposed end of year balances in respective amortization worksheet
Student Loan Debt
Auto Debt
Mortgage
Total Long Term Liabilities
Total Liabilities
Admin: Admin: current + long term liabilities

Admin: Admin: Input your age here		 Net Worth
Admin: Admin: Assets - Liabilities

Admin: Admin: These are cumulative accounts input from the income statement above
Admin: Admin: Iterest negligable, cap at 50% yearly salary
Admin: Admin: This kind of equation accoutns ffor current assets in the account plus this years deposit. This is cumulative.
Admin: Admin: Select an appropriate rate of return for all retirement accounts.
Admin: Admin: This equation accounts for growth of the asset from last year plus the deposit from the current year and also accounts for when retirement funds are used in gross income. Use your own interest rates
Admin: Admin: Total of the current asset accounts this year
Admin: Admin: Do not depreciate or appreciate assets throughtime (with the expection of personal property) value will be dealt with at time of sale (such as trading in for a new car) If you are reading this and all other instructions, make a comment on your savings at age 95 stating where the money goes after you die
Admin: Admin: This grows as you accumulate stuff, not with inflation or interest
Admin: Admin: Sum of fixed assets for the current year
Admin: Admin: current and fixed assets
Admin: Admin: respective year cell to the ending year balance of the amortization sheet. Link to the transposed end of year balances in respective amortization worksheet

Mortgage Amortization

Mortgage Amortization
Inputs Key Figures
Loan principal amount Annual loan payments
Annual interest rate Monthly payments
Loan period in years Interest in first calendar year
Base year of loan Interest over term of loan
Base month of loan Sum of all payments
Payments in First 12 Months
Year Month Beginning Balance Payment Principal Interest Cumulative Principal Cumulative Interest Ending Balance
0 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Yearly Schedule of Balances and Payments
Year Beginning Balance Payment Principal Interest Cumulative Principal Cumulative Interest Ending Balance Transposed End of Year Balance (use this to link to long term debt)
DO NOT ERASE
1.00 Jan 1.00 Jan
2.00 Feb 2.00 Feb
3.00 Mar 3.00 Mar
4.00 Apr 4.00 Apr
5.00 May 5.00 May
6.00 Jun 6.00 Jun
7.00 Jul 7.00 Jul
8.00 Aug 8.00 Aug
9.00 Sep 9.00 Sep
10.00 Oct 10.00 Oct
11.00 Nov 11.00 Nov
12.00 Dec 12.00 Dec
24 (24.00)
0.00 0.00
0.00 0.00
0.00 0.00 Months 0.00
0.00 0.00 Base Year 0
0.00 0.00 Years 0.00
0.00 0.00 Last Year
0.00 0.00 Mos in Last Yr 12.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00

Car Amortization

Car Amortization
Inputs Key Figures
Loan principal amount $100,000.00 Annual loan payments $22,645.44
Annual interest rate 5.000% Monthly payments $1,887.12
Loan period in years 5 Interest in first calendar year $4,589.98
Base year of loan 2019 Interest over term of loan $13,227.20
Base month of loan Sum of all payments $113,227.20
Payments in First 12 Months
Year Month Beginning Balance Payment Principal Interest Cumulative Principal Cumulative Interest Ending Balance
2019 Jan $100,000.00 $1,887.12 $1,470.45 $416.67 $1,470.45 $416.67 $98,529.55
Feb $98,529.55 $1,887.12 $1,476.58 $410.54 $2,947.03 $827.21 $97,052.97
Mar $97,052.97 $1,887.12 $1,482.73 $404.39 $4,429.76 $1,231.60 $95,570.24
Apr $95,570.24 $1,887.12 $1,488.91 $398.21 $5,918.67 $1,629.81 $94,081.33
May $94,081.33 $1,887.12 $1,495.11 $392.01 $7,413.78 $2,021.82 $92,586.22
Jun $92,586.22 $1,887.12 $1,501.34 $385.78 $8,915.12 $2,407.60 $91,084.88
Jul $91,084.88 $1,887.12 $1,507.60 $379.52 $10,422.72 $2,787.12 $89,577.28
Aug $89,577.28 $1,887.12 $1,513.88 $373.24 $11,936.60 $3,160.36 $88,063.40
Sep $88,063.40 $1,887.12 $1,520.19 $366.93 $13,456.79 $3,527.29 $86,543.21
Oct $86,543.21 $1,887.12 $1,526.52 $360.60 $14,983.31 $3,887.89 $85,016.69
Nov $85,016.69 $1,887.12 $1,532.88 $354.24 $16,516.19 $4,242.13 $83,483.81
Dec $83,483.81 $1,887.12 $1,539.27 $347.85 $18,055.46 $4,589.98 $81,944.54
Yearly Schedule of Balances and Payments Transposed End of Year Balance (use this to link to long term debt)
Year Beginning Balance Payment Principal Interest Cumulative Principal Cumulative Interest Ending Balance year 2,020
tc={709D8048-B310-452D-BD56-0C87D7DB1819}: [Threaded comment] Your version of Excel allows you to read this threaded comment; however, any edits to it will get removed if the file is opened in a newer version of Excel. Learn more: https://go.microsoft.com/fwlink/?linkid=870924 Comment: Do not change formulas in these cells unless loan period is longer than 7 years. May need to extend the table if loan period is longer than 7 years.		 2,021 2,022 2,023
2020 $81,944.54 $22,645.44 $18,979.46 $3,665.98 $37,034.92 $8,255.96 $62,965.08 62,965 43,015 22,044 0
2021 $62,965.08 $22,645.44 $19,950.26 $2,695.18 $56,985.18 $10,951.14 $43,014.82
2022 $43,014.82 $22,645.44 $20,970.95 $1,674.49 $77,956.13 $12,625.63 $22,043.87
2023 $22,043.87 $22,645.44 $22,043.87 $601.57 $100,000.00 $13,227.20 $0.00
DO NOT ERASE
1.00 Jan 1.00 Jan
2.00 Feb 2.00 Feb
3.00 Mar 3.00 Mar
4.00 Apr 4.00 Apr
5.00 May 5.00 May
6.00 Jun 6.00 Jun
7.00 Jul 7.00 Jul
8.00 Aug 8.00 Aug
9.00 Sep 9.00 Sep
10.00 Oct 10.00 Oct
11.00 Nov 11.00 Nov
12.00 Dec 12.00 Dec
24 36.00
36.00 24.00
48.00 12.00
60.00 0.00 Months 60.00
60.00 0.00 Base Year 2019
60.00 0.00 Years 5.00
60.00 0.00 Last Year 2023
60.00 0.00 Mos in Last Yr 12.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00
60.00 0.00

Student Loan Amortization

Student Loan Amortization
Inputs Key Figures
Loan principal amount Annual loan payments
Annual interest rate Monthly payments
Loan period in years Interest in first calendar year
Base year of loan Interest over term of loan
Base month of loan Sum of all payments
Payments in First 12 Months
Year Month Beginning Balance Payment Principal Interest Cumulative Principal Cumulative Interest Ending Balance
0 Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep Transposed End of Year Balance (use this to link to long term debt)
Oct year
tc={DACC34CB-DD5B-4336-BBEA-770E28D82438}: [Threaded comment] Your version of Excel allows you to read this threaded comment; however, any edits to it will get removed if the file is opened in a newer version of Excel. Learn more: https://go.microsoft.com/fwlink/?linkid=870924 Comment: Do not change formulas in this cell unless your loan period is longer than 11 years. May need to extend table if loan period is longer than 11 years.
Nov
Dec
Yearly Schedule of Balances and Payments
Year Beginning Balance Payment Principal Interest Cumulative Principal Cumulative Interest Ending Balance
DO NOT ERASE
1.00 Jan 1.00 Jan
2.00 Feb 2.00 Feb
3.00 Mar 3.00 Mar
4.00 Apr 4.00 Apr
5.00 May 5.00 May
6.00 Jun 6.00 Jun
7.00 Jul 7.00 Jul
8.00 Aug 8.00 Aug
9.00 Sep 9.00 Sep
10.00 Oct 10.00 Oct
11.00 Nov 11.00 Nov
12.00 Dec 12.00 Dec
24 (24.00)
0.00 0.00
0.00 0.00
0.00 0.00 Months 0.00
0.00 0.00 Base Year 0
0.00 0.00 Years 0.00
0.00 0.00 Last Year
0.00 0.00 Mos in Last Yr 12.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00
0.00 0.00

Sheet3