G'day Dr Ron
I took the liberty to copy the spreadsheets as per their licence agreement as it was for my own use.
Using those spreadsheets and having to play around with them to get them to perform as their plans suggest, I feel confident with the Pocket Plan.
The Fibonacci would run a close 2nd for me I reckon.
I input my results for 2005 and it showed what I "should" have achieved which certainly was not what I did achieve. Fool me-maybe.
I don't know that I would be allowed or should attach the Excel sheets, but you're welcome to them if you want them.
I'm no Excel expert, but I did manage to get them to a condition that seemed to fit their plans.
I don't know "macros" so there is no just pushing a button and it all doing it.
Yell out if you want them and we'll sort something out.