ahhh, the good old days when we all did that stuff by hand. I sometimes imagine myself going back in time a couple hundred years and impressing people with my abilities to do financial calculations like compound interest, let alone annuities - say, managing the Funds in Regency England or something like that. A time period before pocket calculators, when the fact that although I am not a math genius, I'm a whiz at arithmetic, would count for something.