SPECIAL ADJUSTMENTS

         This module collects additional information that may be used in the 
retirement calculations. The cost-of-living adjustment, if any, included in 
your pension plan is requested. The amount of you own contributions to your 
retirement plan are requested since for some pension options, on your early 
death, thats all your spouse will receive. The rate of interest used in the 
program for calculating interest earned on your savings is based on your 
previous estimate of inflation plus your evaluation, in this module, of you 
own investment attitude as aggressive, average, or conservative. 

         In the event that this analysis is for a married couple and that one 
of the participants is assumed to die first, an estimate of the subsequent 
reduction in cost of living for the survivor is requested. If you plan to sell 
your home and take advantage of the one time IRS tax break for sale of a 
primary residence, the information may be entered in this module. 

         Also covered in this module are life insurance and state income tax.
The year of collection for any insurance entered here is automatically placed 
at the first death of a participant. Rate of state income tax should be an 
estimate of the actual percentage of adjusted gross income that will be paid.