Honestly, Sherry, it doesn't matter which number or calculator you use. What is relevant is the change you see over time when you use the same method. I get numbers that range from 15% to 31% and I know that neither of those is accurate, so I chose one in the middle of the two and that's the one I use all the time now. I don't know if it's right but I do know that a year ago it was a lot higher and that's what matters.

Short of underwater testing they're all going to be off by at least 3%. Take the numbers with a grain of NuSalt

Nat