Question

You are a financial planner who is investigating the options for a 45-year old man who wishes to have enough money to retire by the time he is 65. The man has just turned 45 and has received a sizable inheritance of $250,000. He has approached you to understand his financial situation and make an informed decision regarding his investment options for his financial future. His current financial arrangements are as follows:

• His salary has just been increased to $120,000 p.a., which is taxed at a rate of 30% before being paid to him. This is currently being paid on a monthly basis at the start of each month.

• Any salary over $200,000 p.a. will be taxed at 40% (i.e. the first $200,000 p.a. of salary is taxed at 30%, the amount over $200,000 p.a. is taxed at 40% - tax is paid at a constant rate each month during each year assuming that the monthly salary is to be earned over the whole year).

• He is paying off a mortgage on the property he lives in. The payments are currently $3,700 at the end of each month, which is enough to have the property paid off exactly in 7 years at the current interest rate of 3.1% p.a. effective.

• Currently each month, $2,900 of his net salary is being used in expenses and any additional amount is being invested in a bank account earning 2.1% p.a. compounded monthly. These payments are being made on the same day the net salary is received.

• The current bank account balance (before receiving the inheritance) can be assumed to be zero. • He expects his expenses to increase by 0.2% each month.

• He expects his salary to increase at a rate of 5% p.a. going forward. This increase is processed on a yearly basis, with the next increase to occur after 12 further salary payments at the recently increased rate.

• Interest income in the bank account is taxed at a concessional rate of 15% immediately on the interest income earned each month.

• He intends to live in his home when he is retired and live off the proceeds of his bank account in retirement.

• Initially, the man wants to deposit the inheritance in his bank account.

a) Calculate the expected amount the man will have in his bank account at age 65 under the basis above. Assume all interest rates remain constant.

Answer 1

Answer :

the present age of person is 45 & retirement age is 65 . thus he will earn for next 20 year considering the his inheritance , net Salary after tax, mortagage payment for 7 year, monthly expense & net saving( principal + interest- Tax) .we have to prepare the table considering following point

1. total period is 20 year

2. inheritance in invested in bank@ 2.1% PA compounding monthly & on interest tax @15% is deducted per month.

3. Salary is increasing every year by 5% n tax till $ 2,00,000 is30% n there after 40%

4. expenses is increasing by .02% per month

5. Bal amount after paying mortagage + expenses is saved in bank @ 2.1 % PA compounted monthly. & on interest tax @15% is deducted per month.

TOTAL amount Available at the retirement is $2085272.12 [ ref below table for calculation ]

month	Inheritance +Salary	Tax	Net Salary	Mortage	Expense	saving	interest	Tax on Interest	Total
		30% & 40%			0.02%		2.10%	15%
1	250000.00		250000.00			250000.00	437.50	65.63	250371.88
1	10000.00	3000.00	7000.00	3700.00	2900.00	250771.88	438.85	65.83	251144.90
2	10000.00	3000.00	7000.00	3700.00	2900.58	251544.32	440.20	66.03	251918.49
3	10000.00	3000.00	7000.00	3700.00	2901.16	252317.33	441.56	66.23	252692.65
4	10000.00	3000.00	7000.00	3700.00	2901.74	253090.91	442.91	66.44	253467.38
5	10000.00	3000.00	7000.00	3700.00	2902.32	253865.06	444.26	66.64	254242.69
6	10000.00	3000.00	7000.00	3700.00	2902.90	254639.79	445.62	66.84	255018.56
7	10000.00	3000.00	7000.00	3700.00	2903.48	255415.08	446.98	67.05	255795.01
8	10000.00	3000.00	7000.00	3700.00	2904.06	256190.95	448.33	67.25	256572.03
9	10000.00	3000.00	7000.00	3700.00	2904.64	256967.39	449.69	67.45	257349.63
10	10000.00	3000.00	7000.00	3700.00	2905.22	257744.41	451.05	67.66	258127.80
11	10000.00	3000.00	7000.00	3700.00	2905.81	258521.99	452.41	67.86	258906.55
12	10000.00	3000.00	7000.00	3700.00	2906.39	259300.16	453.78	68.07	259685.87
13	10500.00	3150.00	7350.00	3700.00	2906.97	260428.90	455.75	68.36	260816.29
14	10500.00	3150.00	7350.00	3700.00	2907.55	261558.74	457.73	68.66	261947.81
15	10500.00	3150.00	7350.00	3700.00	2908.13	262689.68	459.71	68.96	263080.43
16	10500.00	3150.00	7350.00	3700.00	2908.71	263821.72	461.69	69.25	264214.15
17	10500.00	3150.00	7350.00	3700.00	2909.29	264954.86	463.67	69.55	265348.98
18	10500.00	3150.00	7350.00	3700.00	2909.88	266089.10	465.66	69.85	266484.91
19	10500.00	3150.00	7350.00	3700.00	2910.46	267224.45	467.64	70.15	267621.95
20	10500.00	3150.00	7350.00	3700.00	2911.04	268360.91	469.63	70.44	268760.10
21	10500.00	3150.00	7350.00	3700.00	2911.62	269498.47	471.62	70.74	269899.35
22	10500.00	3150.00	7350.00	3700.00	2912.20	270637.15	473.62	71.04	271039.72
23	10500.00	3150.00	7350.00	3700.00	2912.79	271776.93	475.61	71.34	272181.20
24	10500.00	3150.00	7350.00	3700.00	2913.37	272917.83	477.61	71.64	273323.80
25	11025.00	3307.50	7717.50	3700.00	2913.95	274427.35	480.25	72.04	274835.56
26	11025.00	3307.50	7717.50	3700.00	2914.53	275938.52	482.89	72.43	276348.98
27	11025.00	3307.50	7717.50	3700.00	2915.12	277451.36	485.54	72.83	277864.07
28	11025.00	3307.50	7717.50	3700.00	2915.70	278965.87	488.19	73.23	279380.83
29	11025.00	3307.50	7717.50	3700.00	2916.28	280482.05	490.84	73.63	280899.27
30	11025.00	3307.50	7717.50	3700.00	2916.87	281999.90	493.50	74.02	282419.37
31	11025.00	3307.50	7717.50	3700.00	2917.45	283519.42	496.16	74.42	283941.16
32	11025.00	3307.50	7717.50	3700.00	2918.03	285040.62	498.82	74.82	285464.62
33	11025.00	3307.50	7717.50	3700.00	2918.62	286563.50	501.49	75.22	286989.77
34	11025.00	3307.50	7717.50	3700.00	2919.20	288088.07	504.15	75.62	288516.60
35	11025.00	3307.50	7717.50	3700.00	2919.79	289614.31	506.83	76.02	290045.11
36	11025.00	3307.50	7717.50	3700.00	2920.37	291142.24	509.50	76.42	291575.32
37	11576.25	3472.88	8103.38	3700.00	2920.95	293057.74	512.85	76.93	293493.66
38	11576.25	3472.88	8103.38	3700.00	2921.54	294975.50	516.21	77.43	295414.28
39	11576.25	3472.88	8103.38	3700.00	2922.12	296895.53	519.57	77.94	297337.16
40	11576.25	3472.88	8103.38	3700.00	2922.71	298817.83	522.93	78.44	299262.32
41	11576.25	3472.88	8103.38	3700.00	2923.29	300742.41	526.30	78.94	301189.76
42	11576.25	3472.88	8103.38	3700.00	2923.88	302669.26	529.67	79.45	303119.48
43	11576.25	3472.88	8103.38	3700.00	2924.46	304598.40	533.05	79.96	305051.49
44	11576.25	3472.88	8103.38	3700.00	2925.05	306529.82	536.43	80.46	306985.78
45	11576.25	3472.88	8103.38	3700.00	2925.63	308463.52	539.81	80.97	308922.36
46	11576.25	3472.88	8103.38	3700.00	2926.22	310399.52	543.20	81.48	310861.24
47	11576.25	3472.88	8103.38	3700.00	2926.80	312337.82	546.59	81.99	312802.42
48	11576.25	3472.88	8103.38	3700.00	2927.39	314278.41	549.99	82.50	314745.90
49	12154.80	3646.44	8508.36	3700.00	2927.97	316626.29	554.10	83.11	317097.27
50	12154.80	3646.44	8508.36	3700.00	2928.56	318977.07	558.21	83.73	319451.55
51	12154.80	3646.44	8508.36	3700.00	2929.14	321330.77	562.33	84.35	321808.75
52	12154.80	3646.44	8508.36	3700.00	2929.73	323687.38	566.45	84.97	324168.86
53	12154.80	3646.44	8508.36	3700.00	2930.31	326046.91	570.58	85.59	326531.90
54	12154.80	3646.44	8508.36	3700.00	2930.90	328409.36	574.72	86.21	328897.87
55	12154.80	3646.44	8508.36	3700.00	2931.49	330774.75	578.86	86.83	331266.77
56	12154.80	3646.44	8508.36	3700.00	2932.07	333143.06	583.00	87.45	333638.61
57	12154.80	3646.44	8508.36	3700.00	2932.66	335514.31	587.15	88.07	336013.39
58	12154.80	3646.44	8508.36	3700.00	2933.25	337888.50	591.30	88.70	338391.11
59	12154.80	3646.44	8508.36	3700.00	2933.83	340265.64	595.46	89.32	340771.79
60	12154.80	3646.44	8508.36	3700.00	2934.42	342645.73	599.63	89.94	343155.41
61	12762.75	3828.83	8933.93	3700.00	2935.01	345454.33	604.55	90.68	345968.19
62	12762.75	3828.83	8933.93	3700.00	2935.59	348266.53	609.47	91.42	348784.57
63	12762.75	3828.83	8933.93	3700.00	2936.18	351082.32	614.39	92.16	351604.55
64	12762.75	3828.83	8933.93	3700.00	2936.77	353901.71	619.33	92.90	354428.14
65	12762.75	3828.83	8933.93	3700.00	2937.35	356724.71	624.27	93.64	357255.34
66	12762.75	3828.83	8933.93	3700.00	2937.94	359551.32	629.21	94.38	360086.15
67	12762.75	3828.83	8933.93	3700.00	2938.53	362381.55	634.17	95.13	362920.59
68	12762.75	3828.83	8933.93	3700.00	2939.12	365215.40	639.13	95.87	365758.65
69	12762.75	3828.83	8933.93	3700.00	2939.71	368052.87	644.09	96.61	368600.35
70	12762.75	3828.83	8933.93	3700.00	2940.29	370893.98	649.06	97.36	371445.69
71	12762.75	3828.83	8933.93	3700.00	2940.88	373738.73	654.04	98.11	374294.67
72	12762.75	3828.83	8933.93	3700.00	2941.47	376587.12	659.03	98.85	377147.30
73	13401.15	4020.35	9380.81	3700.00	2942.06	379886.04	664.80	99.72	380451.13
74	13401.15	4020.35	9380.81	3700.00	2942.65	383189.28	670.58	100.59	383759.28
75	13401.15	4020.35	9380.81	3700.00	2943.23	386496.85	676.37	101.46	387071.76
76	13401.15	4020.35	9380.81	3700.00	2943.82	389808.74	682.17	102.32	390388.58
77	13401.15	4020.35	9380.81	3700.00	2944.41	393124.98	687.97	103.20	393709.75
78	13401.15	4020.35	9380.81	3700.00	2945.00	396445.55	693.78	104.07	397035.27
79	13401.15	4020.35	9380.81	3700.00	2945.59	399770.48	699.60	104.94	400365.14
80	13401.15	4020.35	9380.81	3700.00	2946.18	403099.77	705.42	105.81	403699.38
81	13401.15	4020.35	9380.81	3700.00	2946.77	406433.41	711.26	106.69	407037.98
82	13401.15	4020.35	9380.81	3700.00	2947.36	409771.43	717.10	107.57	410380.97
83	13401.15	4020.35	9380.81	3700.00	2947.95	413113.82	722.95	108.44	413728.33
84	13401.15	4020.35	9380.81	3700.00	2948.54	416460.60	728.81	109.32	417080.08
85	14071.05	4221.32	9849.74		2949.13	423980.69	741.97	111.29	424611.36
86	14071.05	4221.32	9849.74		2949.72	431511.38	755.14	113.27	432153.25
87	14071.05	4221.32	9849.74		2950.31	439052.68	768.34	115.25	439705.77
88	14071.05	4221.32	9849.74		2950.90	446604.61	781.56	117.23	447268.94
89	14071.05	4221.32	9849.74		2951.49	454167.19	794.79	119.22	454842.76
90	14071.05	4221.32	9849.74		2952.08	461740.42	808.05	121.21	462427.26
91	14071.05	4221.32	9849.74		2952.67	469324.32	821.32	123.20	470022.44
92	14071.05	4221.32	9849.74		2953.26	476918.92	834.61	125.19	477628.34
93	14071.05	4221.32	9849.74		2953.85	484524.22	847.92	127.19	485244.95
94	14071.05	4221.32	9849.74		2954.44	492140.25	861.25	129.19	492872.31
95	14071.05	4221.32	9849.74		2955.03	499767.01	874.59	131.19	500510.42
96	14071.05	4221.32	9849.74		2955.62	507404.53	887.96	133.19	508159.30
97	14774.60	4432.38	10342.22		2956.21	515545.30	902.20	135.33	516312.18
98	14774.60	4432.38	10342.22		2956.80	523697.60	916.47	137.47	524476.60
99	14774.60	4432.38	10342.22		2957.39	531861.42	930.76	139.61	532652.57
100	14774.60	4432.38	10342.22		2957.99	540036.80	945.06	141.76	540840.11
101	14774.60	4432.38	10342.22		2958.58	548223.75	959.39	143.91	549039.23
102	14774.60	4432.38	10342.22		2959.17	556422.29	973.74	146.06	557249.96
103	14774.60	4432.38	10342.22		2959.76	564632.42	988.11	148.22	565472.32
104	14774.60	4432.38	10342.22		2960.35	572854.18	1002.49	150.37	573706.30
105	14774.60	4432.38	10342.22		2960.95	581087.58	1016.90	152.54	581951.95
106	14774.60	4432.38	10342.22		2961.54	589332.63	1031.33	154.70	590209.26
107	14774.60	4432.38	10342.22		2962.13	597589.36	1045.78	156.87	598478.27
108	14774.60	4432.38	10342.22		2962.72	605857.77	1060.25	159.04	606758.98
109	15513.33	4654.00	10859.33		2963.32	614655.00	1075.65	161.35	615569.30
110	15513.33	4654.00	10859.33		2963.91	623464.72	1091.06	163.66	624392.13
111	15513.33	4654.00	10859.33		2964.50	632286.96	1106.50	165.98	633227.48
112	15513.33	4654.00	10859.33		2965.09	641121.72	1121.96	168.29	642075.39
113	15513.33	4654.00	10859.33		2965.69	649969.03	1137.45	170.62	650935.86
114	15513.33	4654.00	10859.33		2966.28	658828.91	1152.95	172.94	659808.92
115	15513.33	4654.00	10859.33		2966.87	667701.38	1168.48	175.27	668694.59
116	15513.33	4654.00	10859.33		2967.47	676586.45	1184.03	177.60	677592.87
117	15513.33	4654.00	10859.33		2968.06	685484.14	1199.60	179.94	686503.80
118	15513.33	4654.00	10859.33		2968.65	694394.48	1215.19	182.28	695427.39
119	15513.33	4654.00	10859.33		2969.25	703317.48	1230.81	184.62	704363.66
120	15513.33	4654.00	10859.33		2969.84	712253.15	1246.44	186.97	713312.63
121	16289.00	4886.70	11402.30		2970.43	721744.49	1263.05	189.46	722818.08
122	16289.00	4886.70	11402.30		2971.03	731249.35	1279.69	191.95	732337.09
123	16289.00	4886.70	11402.30		2971.62	740767.76	1296.34	194.45	741869.65
124	16289.00	4886.70	11402.30		2972.22	750299.73	1313.02	196.95	751415.80
125	16289.00	4886.70	11402.30		2972.81	759845.29	1329.73	199.46	760975.56
126	16289.00	4886.70	11402.30		2973.41	769404.45	1346.46	201.97	770548.94
127	16289.00	4886.70	11402.30		2974.00	778977.24	1363.21	204.48	780135.97
128	16289.00	4886.70	11402.30		2974.60	788563.67	1379.99	207.00	789736.66
129	16289.00	4886.70	11402.30		2975.19	798163.76	1396.79	209.52	799351.03
130	16289.00	4886.70	11402.30		2975.79	807777.54	1413.61	212.04	808979.11
131	16289.00	4886.70	11402.30		2976.38	817405.03	1430.46	214.57	818620.92
132	16289.00	4886.70	11402.30		2976.98	827046.24	1447.33	217.10	828276.47
133	17103.45	6841.38	10262.07		2977.57	835560.97	1462.23	219.33	836803.87
134	17103.45	6841.38	10262.07		2978.17	844087.77	1477.15	221.57	845343.35
135	17103.45	6841.38	10262.07		2978.76	852626.66	1492.10	223.81	853894.94
136	17103.45	6841.38	10262.07		2979.36	861177.65	1507.06	226.06	862458.65
137	17103.45	6841.38	10262.07		2979.95	869740.77	1522.05	228.31	871034.51
138	17103.45	6841.38	10262.07		2980.55	878316.03	1537.05	230.56	879622.52
139	17103.45	6841.38	10262.07		2981.15	886903.44	1552.08	232.81	888222.71
140	17103.45	6841.38	10262.07		2981.74	895503.04	1567.13	235.07	896835.10
141	17103.45	6841.38	10262.07		2982.34	904114.83	1582.20	237.33	905459.70
142	17103.45	6841.38	10262.07		2982.94	912738.84	1597.29	239.59	914096.54
143	17103.45	6841.38	10262.07		2983.53	921375.07	1612.41	241.86	922745.62
144	17103.45	6841.38	10262.07		2984.13	930023.56	1627.54	244.13	931406.97
145	17958.62	7183.45	10775.17		2984.73	939197.42	1643.60	246.54	940594.48
146	17958.62	7183.45	10775.17		2985.32	948384.33	1659.67	248.95	949795.05
147	17958.62	7183.45	10775.17		2985.92	957584.30	1675.77	251.37	959008.71
148	17958.62	7183.45	10775.17		2986.52	966797.36	1691.90	253.78	968235.48
149	17958.62	7183.45	10775.17		2987.11	976023.54	1708.04	256.21	977475.37
150	17958.62	7183.45	10775.17		2987.71	985262.83	1724.21	258.63	986728.41
151	17958.62	7183.45	10775.17		2988.31	994515.27	1740.40	261.06	995994.62
152	17958.62	7183.45	10775.17		2988.91	1003780.88	1756.62	263.49	1005274.01
153	17958.62	7183.45	10775.17		2989.50	1013059.68	1772.85	265.93	1014566.60
154	17958.62	7183.45	10775.17		2990.10	1022351.67	1789.12	268.37	1023872.42
155	17958.62	7183.45	10775.17		2990.70	1031656.89	1805.40	270.81	1033191.48
156	17958.62	7183.45	10775.17		2991.30	1040975.36	1821.71	273.26	1042523.81
157	18856.55	7542.62	11313.93		2991.90	1050845.84	1838.98	275.85	1052408.98
158	18856.55	7542.62	11313.93		2992.50	1060730.41	1856.28	278.44	1062308.25
159	18856.55	7542.62	11313.93		2993.09	1070629.08	1873.60	281.04	1072221.65
160	18856.55	7542.62	11313.93		2993.69	1080541.88	1890.95	283.64	1082149.19
161	18856.55	7542.62	11313.93		2994.29	1090468.83	1908.32	286.25	1092090.90
162	18856.55	7542.62	11313.93		2994.89	1100409.94	1925.72	288.86	1102046.80
163	18856.55	7542.62	11313.93		2995.49	1110365.24	1943.14	291.47	1112016.91
164	18856.55	7542.62	11313.93		2996.09	1120334.75	1960.59	294.09	1122001.25
165	18856.55	7542.62	11313.93		2996.69	1130318.50	1978.06	296.71	1131999.84
166	18856.55	7542.62	11313.93		2997.29	1140316.49	1995.55	299.33	1142012.71
167	18856.55	7542.62	11313.93		2997.89	1150328.75	2013.08	301.96	1152039.87
168	18856.55	7542.62	11313.93		2998.49	1160355.31	2030.62	304.59	1162081.34
169	19799.38	7919.75	11879.63		2999.09	1170961.88	2049.18	307.38	1172703.69
170	19799.38	7919.75	11879.63		2999.69	1181583.63	2067.77	310.17	1183341.23
171	19799.38	7919.75	11879.63		3000.29	1192220.58	2086.39	312.96	1193994.00
172	19799.38	7919.75	11879.63		3000.89	1202872.75	2105.03	315.75	1204662.02
173	19799.38	7919.75	11879.63		3001.49	1213540.16	2123.70	318.55	1215345.30
174	19799.38	7919.75	11879.63		3002.09	1224222.84	2142.39	321.36	1226043.87
175	19799.38	7919.75	11879.63		3002.69	1234920.81	2161.11	324.17	1236757.76
176	19799.38	7919.75	11879.63		3003.29	1245634.10	2179.86	326.98	1247486.98
177	19799.38	7919.75	11879.63		3003.89	1256362.72	2198.63	329.80	1258231.56
178	19799.38	7919.75	11879.63		3004.49	1267106.70	2217.44	332.62	1268991.52
179	19799.38	7919.75	11879.63		3005.09	1277866.05	2236.27	335.44	1279766.88
180	19799.38	7919.75	11879.63		3005.69	1288640.82	2255.12	338.27	1290557.67
181	20789.35	8315.74	12473.61		3006.29	1300024.99	2275.04	341.26	1301958.78
182	20789.35	8315.74	12473.61		3006.89	1311425.49	2294.99	344.25	1313376.24
183	20789.35	8315.74	12473.61		3007.49	1322842.35	2314.97	347.25	1324810.08
184	20789.35	8315.74	12473.61		3008.10	1334275.60	2334.98	350.25	1336260.33
185	20789.35	8315.74	12473.61		3008.70	1345725.24	2355.02	353.25	1347727.01
186	20789.35	8315.74	12473.61		3009.30	1357191.32	2375.08	356.26	1359210.14
187	20789.35	8315.74	12473.61		3009.90	1368673.85	2395.18	359.28	1370709.75
188	20789.35	8315.74	12473.61		3010.50	1380172.86	2415.30	362.30	1382225.87
189	20789.35	8315.74	12473.61		3011.10	1391688.37	2435.45	365.32	1393758.51
190	20789.35	8315.74	12473.61		3011.71	1403220.41	2455.64	368.35	1405307.70
191	20789.35	8315.74	12473.61		3012.31	1414769.00	2475.85	371.38	1416873.47
192	20789.35	8315.74	12473.61		3012.91	1426334.17	2496.08	374.41	1428455.84
193	21828.82	8731.53	13097.29		3013.51	1438539.62	2517.44	377.62	1440679.44
194	21828.82	8731.53	13097.29		3014.12	1450762.62	2538.83	380.83	1452920.63
195	21828.82	8731.53	13097.29		3014.72	1463003.20	2560.26	384.04	1465179.42
196	21828.82	8731.53	13097.29		3015.32	1475261.38	2581.71	387.26	1477455.84
197	21828.82	8731.53	13097.29		3015.93	1487537.20	2603.19	390.48	1489749.91
198	21828.82	8731.53	13097.29		3016.53	1499830.67	2624.70	393.71	1502061.67
199	21828.82	8731.53	13097.29		3017.13	1512141.83	2646.25	396.94	1514391.14
200	21828.82	8731.53	13097.29		3017.74	1524470.70	2667.82	400.17	1526738.35
201	21828.82	8731.53	13097.29		3018.34	1536817.30	2689.43	403.41	1539103.31
202	21828.82	8731.53	13097.29		3018.94	1549181.66	2711.07	406.66	1551486.07
203	21828.82	8731.53	13097.29		3019.55	1561563.81	2732.74	409.91	1563886.64
204	21828.82	8731.53	13097.29		3020.15	1573963.78	2754.44	413.17	1576305.05
205	22920.26	9168.10	13752.16		3020.75	1587036.45	2777.31	416.60	1589397.17
206	22920.26	9168.10	13752.16		3021.36	1600127.97	2800.22	420.03	1602508.16
207	22920.26	9168.10	13752.16		3021.96	1613238.35	2823.17	423.48	1615638.04
208	22920.26	9168.10	13752.16		3022.57	1626367.63	2846.14	426.92	1628786.85
209	22920.26	9168.10	13752.16		3023.17	1639515.84	2869.15	430.37	1641954.62
210	22920.26	9168.10	13752.16		3023.78	1652683.00	2892.20	433.83	1655141.36
211	22920.26	9168.10	13752.16		3024.38	1665869.14	2915.27	437.29	1668347.12
212	22920.26	9168.10	13752.16		3024.99	1679074.29	2938.38	440.76	1681571.91
213	22920.26	9168.10	13752.16		3025.59	1692298.48	2961.52	444.23	1694815.77
214	22920.26	9168.10	13752.16		3026.20	1705541.73	2984.70	447.70	1708078.73
215	22920.26	9168.10	13752.16		3026.80	1718804.08	3007.91	451.19	1721360.80
216	22920.26	9168.10	13752.16		3027.41	1732085.55	3031.15	454.67	1734662.03
217	24066.27	9626.51	14439.76		3028.01	1746073.78	3055.63	458.34	1748671.06
218	24066.27	9626.51	14439.76		3028.62	1760082.21	3080.14	462.02	1762700.33
219	24066.27	9626.51	14439.76		3029.22	1774110.87	3104.69	465.70	1776749.86
220	24066.27	9626.51	14439.76		3029.83	1788159.80	3129.28	469.39	1790819.68
221	24066.27	9626.51	14439.76		3030.44	1802229.01	3153.90	473.09	1804909.83
222	24066.27	9626.51	14439.76		3031.04	1816318.55	3178.56	476.78	1819020.32
223	24066.27	9626.51	14439.76		3031.65	1830428.44	3203.25	480.49	1833151.20
224	24066.27	9626.51	14439.76		3032.25	1844558.71	3227.98	484.20	1847302.49
225	24066.27	9626.51	14439.76		3032.86	1858709.40	3252.74	487.91	1861474.23
226	24066.27	9626.51	14439.76		3033.47	1872880.52	3277.54	491.63	1875666.43
227	24066.27	9626.51	14439.76		3034.07	1887072.12	3302.38	495.36	1889879.14
228	24066.27	9626.51	14439.76		3034.68	1901284.23	3327.25	499.09	1904112.39
229	25269.58	10107.83	15161.75		3035.29	1916238.85	3353.42	503.01	1919089.25
230	25269.58	10107.83	15161.75		3035.89	1931215.11	3379.63	506.94	1934087.79
231	25269.58	10107.83	15161.75		3036.50	1946213.04	3405.87	510.88	1949108.03
232	25269.58	10107.83	15161.75		3037.11	1961232.67	3432.16	514.82	1964150.01
233	25269.58	10107.83	15161.75		3037.72	1976274.04	3458.48	518.77	1979213.75
234	25269.58	10107.83	15161.75		3038.32	1991337.17	3484.84	522.73	1994299.29
235	25269.58	10107.83	15161.75		3038.93	2006422.11	3511.24	526.69	2009406.66
236	25269.58	10107.83	15161.75		3039.54	2021528.87	3537.68	530.65	2024535.89
237	25269.58	10107.83	15161.75		3040.15	2036657.50	3564.15	534.62	2039687.03
238	25269.58	10107.83	15161.75		3040.76	2051808.02	3590.66	538.60	2054860.08
239	25269.58	10107.83	15161.75		3041.36	2066980.47	3617.22	542.58	2070055.10
240	25269.58	10107.83	15161.75		3041.97	2082174.88	3643.81	546.57	2085272.12
Total	4217922.57	1416687.51	2801235.06	310800.00	712901.49