                   FINANCIAL WONDER FOR SMALL BUSINESS (TM)

                             Professional Corporate
                               Financial Modeling
                                    Software

                            BrainChild Software, Inc.
                       2 Thomas Lane, Plainview, NY 11803
                                 (516) 822-1132

     "Financial Wonder for Small Business" is copyrighted software that
     may be FREELY distributed on any BBS, On-line service, shareware CD-ROM.
. 
     Financial Wonder Versions Available :
     -------------------------------------
     FW for Small Business :  Users are limited to the 300+ financial accounts
       included. New sub-accounts may be added for test purposes only -
       which means that files with new sub-accounts may not be saved or
       exported to Lotus. All other files may be saved and exported.
 
       NOTE: Remember that account descriptions may be changed on any account,
             so the final descriptions will look like your trial balance.

       ALL FEATURES ARE OPERATIONAL - NOT CRIPPLED !!! - MANUAL.EXE for DOCS
       NO TECHNICAL SUPPORT IS PROVIDED WITH THIS VERSION !!!

     FW (Professional) $99 : Up to 5000 financial accounts. Every cell of
       every account may use a different pre-programmed formula method.

     FW for OSAS      $149 : Pro version, includes support for OSAS users
     FW 10 & FW 20     $39 : Extends 36 month spreadsheet to 120 & 240 months

     This product may be used to:
     *  Instantly create Financial Statements from imported trial balances
     *  Prepare consolidated and consolidating Financial Statements

     *  Prepare budgets in final Financial Statement format
     *  Prepare consolidated and consolidating Budgeted Financial Statements
     
        CPA firm dream feature !!!
        --------------------------
     *  Prepare very detailed FASB 95 Cash Statements under either the
        the 'direct' or the 'indirect' method

     *  Support for Open Systems Accounting System Users (can support
        Unix or Dos users, from Dos)

     This README file contains the following documents
     -------------------------------------------------
     *  A flyer describing Financial Wonder 
        - includes an excellent example of using Financial Wonder

     *  An operational booklet on Financial Wonder
        - includes step-by-step examples

     *  An order form for the Financial Wonder Professional product,
        versions for up to 20 years (240 monthly periods), and a version
        for Open Systems Accounting Software users are available.













                       F I N A N C I A L    W O N D E R
                             V E R S I O N    3.0




                                  F l y e r








































                       F I N A N C I A L    W O N D E R
                             V E R S I O N    3.0


      Outstanding Reviews from: "The Price Waterhouse Report" - PC Magazine
              "Computers in Accounting", "Management Accounting"

                          The Accountant's Spreadsheet
                          ----------------------------
         Corporate Reporting - Budgeting - Projections - Consolidations
           Consolidating Financials - Financial Analysis - FASB 95 
                           Cash Flow & Ratio Analysis

        Lotus 1-2-3 Import & Export - Allows Financial Wonder to operate
                          with most accounting systems

            Financial Wonder for Open Systems Accounting Software Users


          ---------------------------------------------------------------
                             Uncomplicate your Life !
          If you are a financial professional you need Financial Wonder !
          ---------------------------------------------------------------


     Financial Wonder ("FW") is a Virtual Memory Spreadsheet, With Full
     Accounting Logic Built-In.

     This means that Financial Wonder knows how to:

     *   assemble a complete set of Self-Balancing financial statements,
     *   prepare ratio analysis,
     *   and consolidate files with different account structures.

     All Without Any Programming !


     Up to 5000 accounts per file - Up to 500,000 accounts for each
     consolidation level.

     FW contains over 250 pre-defined accounts in the form of a Balance
     Sheet, Income Statement, and a Cash Statement. Simply add accounts
     directly into the financial statements by pressing the "INS" key on
     your keyboard.














                                     - 1 -
                            Corporate Reporting
                            -------------------
     Just set up a FW file matching our account numbers to your account
     numbers. Once created, this file can be used again and again each
     month. Multiple accounts can be imported into each FW account, to
     create a summarized set of financial statements.

     Financial Wonder will import your financial accounts through our
     Lotus 1-2-3 import, directly into a set of financial statements.
     Then simply recalculate. No Building of Financial Statements Needed.

     Cash flow & ratio reports are produced automatically !

     Export your financials to over 600 printers, using up to 43 different
     fonts, or to Lotus 1-2-3 WK1 files.


                             Consolidations
                             --------------
     Financial Wonder can consolidate an unlimited number of companies, up
     to 100 at a time. Produce multiple level consolidations with ease.

     Use our consolidation mode to combine all files. Enter any adjustments
     or eliminations, and recalculate the consolidated file to create
     complete sets of financials. You may now print the separate department
     files and/or the consolidated file.

     The consolidated file will maintain the details on every monthly
     amount, for each account, in each file. A maximum of 18,500,000 cells 
     (37 months * 5000 total accounts * 100 files) are maintained. The
     consolidating details for each account may be viewed on-line, at any
     time. Simply press CTL-F7 to see your "37 month by 100 department"
     analysis of that account. Press CTL-F7 again to summarize by quarter
     or year.

     Further, you can consolidate 100 of these consolidated files together.

     Each file maintains a complete set of financials. So for divisional use,
     you could have created and consolidated 100 complete sets of financial
     statements (balance sheet, income statement and cash statement)!
     Adjustments can be made for foreign currency conversion and percent
     ownership of each file.
     (FW consolidates an unlimited number of companies - and consolidated
     files - up to 100 at a time). 

                     A Revolution in Corporate Budgeting
                    -------------------------------------
     FW provides the tools to create the detailed budgets and forecasts
     business has always wanted. Executives need this information to
     properly manage their business, make policy decisions, and arrive at
     major decisions that can make or break their company. Financial Wonder
     will allow them to view the company's course before it happens, not
     after it is too late.

     FW can create complete sets of monthly financial statements without
     the needfor the user to forecast on a monthly basis.

                    You supply the 5%, we do the other 95%.
                                     - 2 -
     The program allows data to be entered in a flexible mixture of Monthly,
     Quarterly and Annual size periods which can be defined by the user.

     FW will head-up its spreadsheet for you. FW will understand the size of
     each forecast period which you have defined, spreading the results to
     create 36 complete sets of MONTHLY financial statements and ratio
     analysis, displayed right on the screen, based on your use of our
     extensive list of forecast methods made available to you. In addition,
     each period of each financial account forecast (including new
     sub-accounts created by the user) may use a different formula method.

             Financial Wonder (version 1.6) received excellent reviews
             ---------------------------------------------------------
                Version 3.0 With Virtual Memory Will Blow You Away !
             ---------------------------------------------------------

     PC Magazine - Feb 26, 1991
     The Price Waterhouse Report
     ---------------------------
     "Corporate budget and finance analysts who insist on concise budgeting
     into the future will appreciate Financial Wonder."

     "Financial Wonder's strong suits are calculating financial ratios,
     generating detailed projections, and evaluating performance relative
     to competitors. A generous set of built-in routines makes it a useful
     planning tool for corporate accountants."

     "Once you get the formulas and data entered, Financial Wonder quickly
     prepares balance sheets, income statements, and cash flow statements
     on monthly, quarterly, and yearly bases."

     "The package not only produces .WK1 or .WKS files, it also formats your
     spreadsheet's titles and cells and produces many predefined range names
     to assist in building formulas."

     "The cash flow statement is prepared in a format complying with
     Financial Accounting Standard No. 95 under generally accepted
     accounting principles. This feature could be utilized by CPAs to help
     clients prepare their annual financial statements."


     Computers in Accounting
     February/March 1991
     -----------------------
     "Financial Wonder has retained a high level of sophistication in a
     relatively easy-to-use program."

     "An experienced spreadsheet user will find Financial Wonder easy to use.
     The six data entry screens look like  conventional spreadsheets. The
     cursor commands are similar to those used by most popular spreadsheet
     programs."

     "Financial Wonder is an extremely powerful forecasting system. Financial
     experts will appreciate the program's extensive flexibility ..."

     "The professional looking reports are printed with dollar signs,
     subtotals and totals."

                                     - 3 -
     "You can export the program's files to 1-2-3 with one keystroke."

     "Using knowledge of the business or industry data, parameters can be
     entered to "grade" the future of the business. ... The results of the
     grading are displayed on a monthly basis for each period, giving users
     an informative and powerful management tool. The program also displays
     and prints a clear explanation of each ratio calculation."


     Management Accounting
     January, 1991
     ---------------------
     This reviewer had some experience with the Alcar product line, and was
     a heavy Lotus 1-2-3 user (Alcar's Value Planner & Consolidation programs,
     cost over $7000).

     "In using the software, I was impressed by the ease of inputting and
     manipulating data. This program provides a pull-down menu system of
     processing alternatives. For those who feel comfortable with Lotus 1-2-3,
     the transition is easy."

     "After a file has been developed in Financial Wonder, the software
     allows a smooth transition to a 1-2-3 spreadsheet. The software
     preserves the format and totals from the original file. Financial Wonder
     generates most of the reports required so that moving the file to Lotus
     1-2-3 is not always necessary."

     "Within the scope of my limited experience with both Alcar and Financial
     Wonder, I found the latter easier to work with. Alcar has a series of
     menus instead of pull-down menus, and Financial Wonder appears to
     recalculate more quickly. When Alcar files are translated into Lotus
     1-2-3, all of their features are not preserved as with Financial Wonder.
     When comparing cost, Financial Wonder is the better buy."

























                                     - 4 -
                            About Financial Wonder
                            ----------------------

     Budgeting Uses Many Features
     ----------------------------
     Let's see how it works!
     ----------------------------

     FW provides you with a ready-to-go worksheet containing over 250
     financial accounts. These accounts are all pre-programmed.

     *   First, change any account descriptions to your liking.

     *   Add new sub-accounts to the existing accounts. Each file can
         contain up to 5000 financial accounts !

         Example: Add 10 new Sales, Accounts Receivable and Cost of Sales
         accounts. Maybe even link the A/R and COS accounts to Change as
         the individual Sales accounts change.

         FW's memory management is compatible with MS Windows 3.0, and
         will operate under the standard or enhanced modes. FW is also
         compatible with "Memory Commander" from V Communications Inc.

     *   Next select the structure of your Data Entry. FW allows you to
         enter your data monthly, quarterly or annually. Mixtures for each
         year are acceptable. For our example we will use 3 annual periods
         of Data Entry.

     *   Enter your opening balance sheet amounts. (This would also be
         your most recent ending balances, to be used for the start of
         your 3 year forecast).

     *   Select your formula methods and enter your amounts or growth
         percentages to be forecast into the 3 (annual) columns. Each
         cell may use a different formula method. There are 120 formula
         methods & 100 Global Seasonality screens available.

                                    THAT'S IT!

     FW will create 36 complete sets of MONTHLY financial statements and
     ratio analysis, and display the results right on the screen. That's
     between 10,000 and 180,000 cells !

                            How FW calculates your files!
                            -----------------------------
     FW performs these steps in the following order...Automatically!

     1)  Calculate forecasted amounts for the 1st month of the 1st year.
 
     2)  Determine cash flow for that month.
         a)  Increase "Marketable Securities" for positive cash flow,
         b)  Increase "Additional Loans" for negative cash flow,
         c)  Or reduce Marketable Securities or Additional Loans
             cumulative from previous months.



                                     - 5 -
     3)  Calculate interest income/expense on cumulative Marketable
         Securities or Additional Loans.
         a)  Interest calculated for previous months
         b)  Days of interest is user selectable for the current month
         c)  Uses different interest rates & # of days for interest income
             and interest expense

     4)  Tax-effect the interest on cash flow

     5)  Update the B/S , I/S , C/S , and ratio analysis for :
         a)  Marketable Securities & Additional Loans
         b)  Retained Earnings
         c)  Interest income & interest expense
         d)  Tax expense

     6)  FW Will Then Repeat All of the Above For Each of the 36 MONTHLY
         Periods.

     All this is accomplished in under 1 minute !  And all Automatically !


                          OK! Let's look at what we have
                          ------------------------------
     *   FW displays 3 sets of financial screens
         a)  Data Entry & Formula Entry
         b)  Calculation (by Data Entry period)
         c)  Monthly Calculation

     *   In the previous example the Data Entry screens would show an
         opening B/S and 3 annual Data Entry columns.

     *   Monthly Calculation screens contain an opening B/S and 36 monthly
         calculated columns of results in dollars.

     *   Calculation screens always contain the same columns as the Data
         Entry screens. The Monthly Calculation screen results are
         summarized in the same structure (month/quarter/annual) as your
         original forecast. This makes your analysis of the results very
         easy! It also acts as a summarizer for reports.

                              Special Management Tools
                              ------------------------
     *   FW will let you grade yourself. You determine 5 levels of
         acceptability, "Excellent to Poor", for each ratio.

         Example: Gross Profit of 50% might be excellent, 35% being poor,
         with 3 other levels in-between.

     *   The 36 monthly results plus your grades, "Excellent to Poor", will
         be displayed for each ratio. Short to-the-point descriptions and
         analysis are displayed for each ratio.

                              Let's produce some reports
                              --------------------------
     *   FW has a ONE-KEY export to Lotus 1-2-3. Select which reports you
         would like by pressing (Y) for Yes. THAT'S IT!


                                     - 6 -
         Polished Lotus files with $ signs, totals, lines drawn and range
         names will be created for you in just a minute or two.

         FASB 95 Cash Statements can also be produced using either the
         direct or indirect method.

     *   Print drivers for 600 printers (LaserJets & dot matrix) using up
         to 43 different fonts (printer dependent) are provided, along with
         a wealth of print options.

     *   Printouts of screens (includes account numbers) :
         *  Data Entry & Formula Entry
         *  Calculation
         *  Monthly Calculation 
 
     *   Report printing (formal looking reports) :
         *  Calculation
         *  Monthly Calculation
         *  FASB 95 Cash Statements

     Save up to 20 different report formats with each file. Print detailed
     or summarized reports. You can roll-up selected sub-accounts into their
     main account, or even have the main account rolled-up.

     Example: With 10 Accounts Receivable sub-accounts you could roll-up
     the amounts from, say, 7 of the 10 into the main A/R account. These
     7 accounts would not print out. Maybe even roll-up these 7 accounts
     and the main A/R account into "Other Current Assets".


                           Fine tuning with REPORT MODE
                           ----------------------------
     First use our formula methods to create your monthly forecast. Then
     enter the REPORT MODE and work with the monthly $ results.

     You may directly change any calculated amount in any month. You may
     even add new sub-accounts. The REPORT MODE will re-calculate tax
     expense, re-calculate cash flow + tax-effect and update all financials,
     revise the cash statement and all ratios, and will re-add all totals.

     Monthly amounts are summarized by month, quarter and annual periods
     under "Calc screen".

     To enter REPORT MODE simply call up the saved BUDGET file as a REPORT
     MODE file.

     Options for taxation, present value, and interest on cash flow are
     available.

                               Consolidations
                               --------------
     FW consolidates an unlimited number of companies (and consolidated
     files), up to 100 at a time. An account's individual company details
     and eliminations may be viewed on-line (that's 10,000 to 18,500,000
     details). Adjusting entries can be made to the consolidated file.
     Consolidated & consolidating (lists all company balances that make
     up each consolidated amount) reports & 1-2-3 files may be produced.

                                     - 7 -
                             Extras to think about
                             ---------------------
     *   Files created with FW can be used to create templates for future
         use. Once a particular file is created, its setup can be reused.

     *   The Data Entry structure can also be changed. Columns can be
         "Inserted" or "Deleted". An annual Data Entry column can be
         re-cast as a quarterly column, with 3 additional columns
         "Inserted" in front of the re-cast column.

         These new columns can be "Deleted", just as easily.

         FW can operate with a mixture of monthly, quarterly & annual
         columns. You might wish to use quarterly columns in the 1st year
         for greater flexibility. The first quarter might then be converted
         to monthly columns to enter actuals for the first 3 months. Then
         re-calculate the budget and see how the actual results affect your
         forecast.








































                                     - 8 -
                             The Accountant's Spreadsheet
                             ----------------------------
                 Virtual Memory - Up to 5000 Financial Accounts Per File
                 Up to 500,000 Financial Accounts Per Consolidating Level 
                             A Full 36 Months Per File
                     Special 240 Month Version Also Available

     *   Over 250 financial accounts are pre-programmed including extensive
         ratio analysis. You can easily create thousands of additional new
         sub-accounts. Just hit the "INS" key to open our spreadsheet.

     *   Balance Sheet, Income Statement, Cash Statement & Ratio Analysis - 
         PRE-PROGRAMMED!

     *   FASB 95 Cash Statements - AUTOMATICALLY!

     *   Use FW to create FASB 95 Cash Statements for your (historical)
         financial reports - why spend hours manually!

     *   120 pre-written formula methods
         *  Each period of each account may use a different method!
         *  Compounding on a monthly basis
         *  Geometric progression
         *  Weighting based on seasonality
         *  Spread evenly over the period
         *  Linking to the results of other accounts - many levels deep!

         Generally use annual/qtrly columns, but enter monthly amounts,
         for an account, directly into the Monthly Calc FW uses dollar
         amounts and growth percentages to build monthly compounded
         trend lines. 

         EVERYTHING IN FW IS PRE-PROGRAMMED!

     *   100 Global monthly Seasonality screens

         Multiple operations, using multiple monthly seasonality charts,
         are quickly and easily created. Simply enter 12 monthly percentages
         that total 100%, for each of the 3 years. This sort of power has
         never before been available - on any computer system!

     *   ONE-KEY Lotusþ 1-2-3þ conversion of all financial statements.

         These are polished report files, complete with range names, 
         $ signs, totals, and lines drawn.

     *   Lotus 1-2-3 import of entire WK1 file in one step.

         A setup file matches your accounting systems' account number to
         your FW account number. Import descriptions, balances, transactions,
         percent of amounts, and pos to neg/neg to pos; on a line-by-line
         basis. Import amounts into a BUDGET file (Data Entry or Monthly
         Calc), REPORT file or CONSOLIDATED file. Save your setup file for
         future use.

         (FW will operate with Accounting programs that store B/S amounts
         as monthly transactions or ending balances)

                                     - 9 -
     *   FW can consolidate an unlimited number of companies, up to 100
         at a time. Adjusting entries are easy. Both consolidated and
         consolidating reports are available.

     *   An easy-to-use spreadsheet approach, in a stand-alone specially
         designed spreadsheet program

     *   Spreadsheet format provides comfort and familiarity

     *   Pull-down menus 

     *   Special management tools for financial analysis.

     *   Report customization - 20 layouts stored for each file!

     *   SUPER FAST! - 10,000+ cells recalculated in 1 minute

     *   Printer Power - Support for 600 printers using up to 43 different
         fonts (printer dependent).

     *   Easy to use 600+ page manual (half-pages), provides a short review
         in operating FW and a large reference resource. Hundreds of
         examples provide you with what you need to know, when you need it;
         for those few, but important, occasions. - We recommend some reading,
         but many customers dive right into the program !

     *   Data entry copy commands to speed input

     *   All financial account descriptions may be changed !!!!!

     *   Mark row for deletion to exclude from calculation

     *   Remove mark for deletion

     *   Add or delete new accounts

     *   Move a row or a block of rows

     *   Blank amounts to create your own templates !!!!!

     *   Global conversion of account descriptions between upper/lower case

     *   Exit to DOS from within FW

     *   Easy installation

     Specifications
     --------------
     *   IBM PC, XT, AT, PS/2 or compatible with 640 KB
     *   Hard drive with at least 3 megabytes available
     *   1+ megabyte expanded or extended memory recommended
     *   DOS 3.1 or higher (MS Windows 3.x, DOS application)
     *   Color or Monochrome Screen
     *   600 printers are supported

     NOT COPY PROTECTED !!


                                     - 10 -
     A Limited-Version of Financial Wonder Can Be Found on "Select Demos"
                A CD-ROM Disk From Ziff Communications Company





                            BrainChild Software, Inc.
                    2 Thomas Lane, Plainview, New York 11803
                                  (516) 822-1132
















































                                     - 11 -












                       F I N A N C I A L    W O N D E R
                             V E R S I O N    3.0




                        G e t t i n g    S t a r t e d








































                                    FINANCIAL
                                   WONDER (TM)

                             Professional Corporate
                               Financial Modeling
                                    Software



                            BrainChild Software, Inc.
                       2 Thomas Lane, Plainview, NY 11803
                                 (516) 822-1132


     Dear Professional:
       
        NOW YOU CAN HAVE THE FINANCIAL REPORTING, CONSOLIDATIONS, BUDGETS
     AND FORECASTS YOU ALWAYS WANTED.  Executives need this information to
     properly manage their business, make policy decisions, and arrive at
     major decisions that can make or break their company.  Executives need
     budgeting tools to allow them to view their company's course before it
     happens, not after it is too late. That day has arrived. BrainChild
     Software is proud to present FINANCIAL WONDER version 3.0, an expert
     system years in the making.

        The enclosed flyer will introduce you to our financial revolution.

        Competition in a fast paced world requires powerful tools in order
     to excel. Financial Wonder was conceived and created with that in mind.


     P.S.     FASB 95 Cash Statements can be created automatically!

              Enter completed Balance Sheets & Income Statements, and
              let FW create the cash statements for you! (see the Lotus
              1-2-3 example files included with the installation)






















                                     - 1 -
     Product Installation
     --------------------
     Financial Wonder ("FW") is designed for the IBM PC, XT, AT, 386,
     and compatibles with a hard drive, PC or MS-DOS 3.1 or higher,
     640K available memory. The use of expanded and/or extended memory
     is highly recommended. FW will operate, and will print, across a
     network. However, there is no network file locking. This means that
     two users should not work on the same file at the same time.

     To install Financial Wonder for Small Business onto your hard drive,
     place the 6 ZIP program files FWSB30z1.zip to FWSB30z6.zip (Financial
     Wonder for Small Business Version 3.0) into the desired sub-directory
     on your hard drive (ex: C:\WONDER). Use PKUNZIP to uncompress FWSB30z1,
     then run INSTALL.BAT to install the program.

     Absolutely no changes will be made to either your autoexec.bat or
     config.sys file.

     FW must be installed on your system's hard drive. The program will
     operate from any lettered hard drive (ex:C,D,E) and from any
     directory, however, wherever the FW program resides must have a
     subdirectory named DATA and all SAVED files, required to be in this
     subdirectory, must reside there.

     Extra HP printer fonts need to be installed in the '\SLATE\FONT'
     sub-directory on the same drive as FW. This directory name cannot
     be changed. INSTALL.BAT will create this directory for you automatically.


     The following programs are included:
     ------------------------------------

     FWDEMO.BAT   This  will run our demo program. This program will help
                  you understand all of the menus, screens, and options
                  available within Financial Wonder.

     MANUAL.EXE   The complete manual may be viewed and printed. 
                  A table of contents is provided for easy access.

     FWSB.EXE     The 'Financial Wonder for Small Business' version.
                  (includes support for Open Systems Accounting Software
                  'OSAS' users).

     SLATE.EXE    Program to load print drivers

     TESTDV.BAT   Tests an installed print driver.


     The following program is NOT included:
     ------------------------------------

     FW.EXE       Financial Wonder (Professional) is available directly
                  from BrainChild Software Inc. An order form is included
                  'ORDER.DOC.'  (note: This program may not be returned
                  once the license envelope containing the full FW
                  program has been opened - NOT COPY PROTECTED).


                                     - 2 -
        Financial Wonder is a virtual memory spreadsheet. Spreadsheet
     files are stored in a combination of expanded memory, extended
     memory, and hard drive.

        Since the movement of file information to/from your hard drive is
     far slower than when using expanded and/or extended memory, we highly
     recommend that you operate Financial Wonder with at least 1 megabyte
     of expanded and/or extended memory.

     On-Line documentation is available from within the program  (type
     "ALT-M" from within a spreadsheet screen). You may view or print-out
     individual chapters. The file names with the extension ".DOC"
     contain the on-line documentation files. These files may also be
     viewed within any text editor or word processor.

        The entire manual (except for screen pictures) is included. Run
     the MANUAL.EXE program to view the table of contents. You may view
     or print-out individual chapters. The file names with the extension
     ".MAN" contain the on-line manual files. These files may also be
     viewed within any text editor or word processor. In order to view
     the *.DOC and *.MAN files, your MS-DOS PATH command must include the
     directory containing your COMMAND.COM file, which is usually in either
     C:\, or C:\DOS.

        We suggest that you first load one of the two budget example files,
     then pull-down the "screens" menu and select data entry to start. From
     this point you can press ALT-M for detailed documentation.

        The "listing of commands" will help you move about Financial Wonder.
     If you are familiar with Lotus 1-2-3 and with pull-down menus, you will
     find Financial Wonder a joy to work with. The ESC key will generally
     abort a process, and the "/" key calls up the pull-down menu. F1, F9
     and F10 are used often throughout the program. Only a few keys are
     used regularly and there is no formula building such as in an ordinary
     spreadsheet program. Financial Wonder is a relatively easy program to
     operate; however, its tremendous power will progress you to a new
     level of financial understanding.

        Financial Wonder may be operated as an MS-DOS application under MS 
     Windows 3.0 and 3.1 in either the standard or 386 enhanced modes.
     Modify our example Windows PIF file to allocate expanded and/or
     extended memory resources from your Windows environment. Both the
     virtual memory management for swapping code, and the virtual memory
     management used for swapping spreadsheet data are compatible with MS
     Windows 3.0 and 3.1.

        Financial Wonder may be also be operated as an MS-DOS application
     under OS/2 2.x. Modify your DOS settings for expanded memory use.










                                     - 3 -
                                Getting Started
                                ---------------

     To Load Printer Drivers
     -----------------------
     After installation, go to C:\WONDER, type SLATE, and press ENTER.

     Print drivers may be installed one at a time until you choose to end
     the install. The install program may be run at a later date in order
     to install new or additional drivers. The main FW program will allow
     you to change your active printer to one of the other installed
     printers and will allow you to change typefaces. Only install the
     drivers needed.

     Installing too many drivers will slow actual printing. Printer
     drivers will be installed in the "WONDER" directory in the file
     SLATE.PDB.

     Chapter 33 provides details on the use of SLATE.

     IMPORTANT
     ---------
     All data files must reside in the \WONDER\DATA directory. In addition,
     FW requires a full 640K in order to operate, therefore TSR's (Terminate
     and Stay Resident programs) should not be used unless they are
     relatively small. For example, Sidekick would severely restrict the
     memory needs of FW, whereas a Screen Saver program should operate
     without concern.

     FW will take advantage of the memory manager "Memory Commander," to
     expand available DOS memory space to 800KB or 900KB.


     HIGH MEMORY MANAGER
     -------------------
     FW can make use of expanded and extended memory. To use extended
     memory either HIMEM.SYS or a compatible driver such as "QEMM" or "386
     to the Max" needs to be installed. (Do not install HIMEM.SYS if another
     driver providing XMS support is already in use.) If needed, detailed
     instructions are included in Chapter 2 of the on-line manual.


     Memory Commander
     ----------------
     Financial Wonder is fully compatible with Memory Commander from V 
     Communications Inc.  With an 80386 computer and 512KB extended memory, 
     Financial Wonder can operate with as little as a 4KB video area, and
     8KB across a network. This allows Financial Wonder to operate with
     over 900KB of contiguous DOS memory space, using Memory Commmander.









                                     - 4 -
     Starting Financial Wonder
     -------------------------
     1.  Go to the C:\WONDER directory.

     2.  Type FWSB, then ENTER or RETURN - FW for Small Business

         IMPORTANT NOTE
         --------------
         The FW Professional release (see enclosed order form) allows you
         to build large models. FWSB allows you to add new accounts, to
         its existing 300 accounts, for testing only. FWSB is very
         powerful, and includes all other features, including SAVE and
         Lotus 1-2-3 export, that exist in the professional release.

     3.  When the program displays the copyright notice, press ENTER
         to continue.

     4.  FW stores its data (the spreadsheet file) in virtual memory.
         Rather than using all available resources, FW will use only
         what is needed by the user.

         In loading the FW program, two opening screens will help in
         this decision. The first will review your system and notify
         you of available expanded memory, extended memory, and hard
         drive space. In addition, FW will note the largest file that
         can be allocated on your computer.

         Now press ENTER to view the second screen.

         You can now request FW to allocate resources. If your file is
         small, there is no need to allocate memory for the maximum 5000
         financial accounts.

         NOTE:  For consolidation mode, enter the maximum number of
                financial accounts, exclusive of duplicate account
                numbers. If 100 files are to be consolidated, and each
                file contains cash account #100100, this will count as
                just one financial account.

         FW has a preset minimum and maximum number of accounts for each
         financial statement. Using the minimum of 500 accounts will
         still leave room for about 50 additional accounts in each
         financial statement.

         If you use the minimum of 500 accounts, save your file, and at
         a later date wish to add a couple of thousand additional
         accounts, there is no problem. Just request additional memory
         resources when loading FW.

         Maximum memory allocations cannot be increased while FW is
         operational. However, since the additional overhead of managing
         a very large allocation of memory will have some effect on speed
         and possibly hard disk storage (temporary storage when sufficient
         expanded and extended memory is not present), do not use five
         megabytes of memory if you plan to operate only with small files.



                                     - 5 -
     5.  The next display asks whether you have a monochrome or a color
         display. Enter 0 for monochrome, 1 for color using a color
         background, or 2 for color with a black background. (Color
         selection is preselected - however all colors including a
         switch between 1 and 2 can be changed while FW is being used.)

     6.  Select to load a previously saved file, or to set up a new file.

     7.  LOAD a Previously Saved File

         If you select a previously saved file option, you will be presented
         with a listing of the names of files present in the C:\WONDER\DATA
         directory. Move the cursor to your selection and press F10. The
         selected file will be loaded into FW, leaving you with the message
         "File loaded - Press any key to continue." Press any key on the
         keyboard. You are now at the main pull-down menu. Use the
         left-arrow-key to move to "Screens" and press ENTER. Then use the
         down-arrow-key to move to "Data Entry" and press ENTER. You are
         now at the position in order for you to enter data.

         Once the file has been loaded you may use any pull-down menu
         selection.

     8.  New File

         If you choose to create a new file, you will first be prompted for
         some general information, such as the name of the Company, the
         years to be forecast and the Company's month-end. All of this
         information may be changed later by pulling-down the "Files" menu
         and selecting FILE INFO.

         You must now set up the periods of data entry. Although the
         structure chosen may be changed at a later date this may entail
         considerable extra work on the part of the user, from the need
         to possibly change amounts or change forecast method selections.
         Press "/" when you have completed your setup.

         A set of financial accounts and account numbers is created
         automatically.

         You will then be presented with 100 Seasonality screens. The
         non-seasonal default values (100 percent/12 = 8.333 percent)
         have been pre-selected. You may make changes representative of
         your business. Seasonality may easily be changed at any time.
         Press "/" when you have completed customizing seasonality. You
         may chose to customize one or all 100.

         Pressing F1, or other keys noted on the screen, will flip you
         through each of the screens (each screen is numbered 1 to 100).

         The new file setup has been completed, leaving you with the
         message "Press any key to continue." Press any key on the
         keyboard.You will be left at the main pull-down menu. Use the
         left-arrow-key to move to "Screens" and press ENTER. Then use the
         down-arrow-key to move to "Data Entry" and press ENTER. You are
         now at the position in order for you to enter data. (NOTE: once
         the file has been loaded you may use any pull-down menu selection.)

                                     - 6 -
                              Lotus 123 EXAMPLE
                              -----------------
    
        Financial Wonder can be used to produce financial reports.
     Financial Wonder will also combine your General Ledger accounts,
     in WK1 files, on import (summarizing your financial statements),
     can create detailed easy-to-read cash reports, FASB 95 cash reports
     under either the direct or indirect methods, and ratio analysis,
     INSTANTLY!  Full export of formal-looking financial statements to
     Lotus 123 is just ONE-KEYSTROKE away.

        For budgeting, we can read files from Lotus 123, and can export
     budgets created within Financial Wonder back into Lotus, for import
     back into your General Ledger.

        For consolidations, a full drill-down to consolidating details is
     provided. Each file to be consolidated can even have its own account
     structure. Amounts can be changed, and new accounts can be added.

        Financial Wonder can import files from Lotus, Excel, Quattro Pro
     and SuperCalc. Supplement the following instructions to use our Lotus
     example (the following will only make sense if used while operating
     Financial Wonder).

     *   Load the budget file named "DEMO1.WDR".

     *   Press "ENTER" to pull down the "FILES" menu and select the
         pull-down option "Load/Imp/Exp."

     *   Select the option "IMPORT FACILITY - Lotus Import into
         BUDGET/RPT/CONSOL file."

     *   The screen's title will be "Import from Lotus 1-2-3 file format."
         (assuming the FW program is in the C:\WONDER directory), enter
         the following responses:

         Import - Description                      User Response
         --------------------                      -------------
         Name of 1-2-3 file                     :  c:\wonder\input.wk1
         Lotus row number:
            Starting row number                 :  1
            Ending row number                   :  2
         Lotus column number
            Financial Account #                 :  1  (A)
            Account description                 :  2  (B)
            Starting column # - amounts         :  3  (C)
            Ending column # - amounts           :  7  (G)

         Financial Wonder
            Starting column #                   :  1      6/1989
         Overwrite amounts already in FW ?      :  YES
         Clear imported accnts thru last col ?  :  YES  Clear B/S I/S C/S
         B/S represents (B)alance or (I)ncr ?   :  B
         Data Entry (D) or Monthly (M) ?        :  D (for Data Entry columns)
         If (D)-Sum amts? If(M)-Chge to #99?    :  No

         Press "/" to continue, then highlight and press "F10" to select
         the file "LOT1.IMP." 
                                     - 7 -
        FW will now process this WK1 file, displaying its progress. The
     import should be fairly quick. Move to the "Screens" menu and select
     "Data Entry."

        You should now see the results of the import. In this case we have
     imported just two GL accounts, 50 and 5a, which have been imported
     into FW accounts 100000 and 103000. The amounts within the FW accounts
     were first cleared (set to $0).

     Lotus File Contents
     -------------------
     Row/Col #         A     B           C       D       E       F      G
                       --    ---------   --      --      --      --     --
                  1    50    Cash        23      24      25      26     27
                  2    5a    My Assets   33      34      35      36     37

        The opening B/S is 3/1989. The cash balances were entered into the
     next 5 columns.

        The account description "My Assets" for account 103000 has been
     imported from the 1-2-3 file.

        The balances of $27 and $37 at the end of the import period have
     been extended through the end of the second and third years. It would
     not have made sense to go from $27 & $37 back to $0, so the last
     recorded amount was extended through the remaining periods. This
     extension only applies to FW balance sheet accounts. No extensions
     are performed on I/S or C/S accounts.

        If we had selected to leave the existing amounts intact (not clear
     the account to $0, prior to the import), then the imported balances
     would be added to existing amounts, including those in the second
     and third year.

        For example, if the existing cash balance was $100 for all periods
     for the three years (and the account was not cleared), then the
     balance at the end of the first, second and third year would have been
     $127 & $137 ($100 + $27 or $37). 


     SOME FINAL THOUGHTS
     -------------------
        After you have tried the above example, take a moment to look at
     the "LOT1.IMP" file used in this example (Select the "Load/Imp/Exp"
     menu option, then "Import Facility - Create/Modify Import/Export Setup").
     The Financial Wonder import is very flexible. Each Lotus financial
     account imported can be individually customized. "Copy down" commands
     can also save you time.

        Once your IMP file has been created, it can be quickly used over and
     over again. "Export to Lotus 1-2-3 file format" will allow you to export
     your current file to Lotus 123 in the same format as the INPUT.WK1 file
     used above. An example file EXPORT.WK1 is included in your
     \WONDER directory.

        In addition, our menu option "Lotus Conv" will allow you to export
     a complete sets of financial statements, as .WK1 files.

                                     - 8 -
                            CONSOLIDATION EXAMPLE
                            ---------------------
    
        Financial Wonder can be used to produce both consolidated and
     detailed consolidating financial reports.

        A full drill-down to consolidating details is provided. Each
     file to be consolidated can even have its own account structure.
     Amounts can be changed, and new accounts can be added.

        Financial Wonder can consolidate up to 100 files in one consolidated
     level. These files may each represent companies, divisions, or
     departments. The list of accounts in each file may be different.
     Financial Wonder will combine amounts with similar account numbers,
     and will automatically modify its account structure to handle new
     sub-accounts added. This allows you to conveniently add new
     sub-accounts to individual files, without the need to build a
     master chart of accounts, typical of other accounting systems.

        When FW performs its consolidation, it creates a special file
     that stores all amounts from all of the files consolidated. When
     you save a consolidated file, you are really saving two files. One
     looks like a standard FW file, the second is a file containing all
     of the details from each off the individual files.

        Once a consolidated file is created, it will look very much like a
     standard FW file, except that changes are made to the monthly amounts
     instead of using formulas on quarterly and annual periods.

        By moving to a cell containing an amount (in a consolidated
     file), and pressing CTRL-F7, you will zoom into a spreadsheet
     containing all of the details for that account. This other
     spreadsheet will show the amounts obtained from the individual files 
     that were consolidated. In addition, if you modified amounts within
     the consolidated file, those changes will be reflected as adjusting
     entries in this detailed spreadsheet. Simply press ESC to return to
     your standard spreadsheet.

        New sub-accounts may be added. This has no effect on the special
     detail file. You will still be able to zoom down to the detail
     spreadsheet by pressing CTRL-F7.

        Should you decide to enter elimination adjustments or create
     different specific scenarios to your consolidated file, you may
     find yourself saving several different consolidated files, each
     one related to your one special detailed file. This is perfectly
     acceptable. Each consolidated file will maintain the name of the
     one detailed file. Once again, you need only one special detailed
     file containing all of the details from each of the files consolidated.
     When your consolidated file is saved, it will hold the name of the
     detailed file that it related to. If you re-save the consolidated
     file under another name, it will still point to that one detailed
     file. Of course, each of the consolidated files can have new accounts
     added, without affecting the drill-down to the detailed spreadsheet.

        While you used quarterly and annual periods for data
     entry in Financial Wonder's standard mode of operation, in the
     consolidation mode all changes are made to the monthly screens.
                                     - 9 -
     The "Calc" screen of month/quarter/annual periods is now used
     to combine the monthy amounts to create period reports. The
     drill-down to the detailed records will also work on the periods
     that you have set up.

     This example may be performed :
     *   Load the budget file named "DEMO1.WDR" (or any other file).

     *   Press "ENTER" to pull down the "FILES" menu and select the
         pull-down option "Load/Imp/Exp."

     *   (OPTIONAL STEP)
         Select the option "CONSOLIDATION MODE - Create/Modify
         Consolidation Setup."

         Press the "F10" key to select the file CT.SET
         (This file displays the 2 files selected for consolidation,
          for this example.)

         Because the version "Financial Wonder for Small Business"
         cannot consolidate files containing sub-accounts (the professional
         releases can each handle up to 5000 financial accounts per file),
         we have chosen to consolidate the demo1.wdr file twice, as
         demo2.wdr contains a number of sub-accounts.

         After observing this file, ESCAPE without saving, and continue.

     *   Select the option "CONSOLIDATION MODE - Create Consolidation
         File from Setup."
 
         Press the "F10" key to select the file CT.SET

         Financial Wonder will install each file, then sort all of the
         account numbers from each file, and create a detailed file.
         The resulting consolidation file will be created, but NOT
         saved until the user selects a file name and saves the file.

     SOME FINAL THOUGHTS
     -------------------
        Financial Wonder can consolidate up to 100 companies per
     consolidation level. Each of these companies can have up to
     5000 financial accounts, provided that the total number of
     distinct account numbers from all files being consolidated
     does not exceed 5000.

        In addition, consolidated files are much like other files.
     Consolidated files can be included in another consolidation.
     This means that 100 consolidations, each including 100 companies
     can be included into a second level consolidation (10,000 companies).
     These consolidations can be similarly included in a third level
     of consolidation (1,000,000 companies). Financial Wonder can
     handle even the largest of Fortune 500 companies, or the smallest
     of businesses.

        Because you can add new accounts to consolidated files, can
     change amounts for items such as elimination entries, and can
     create different scenarios that can be stored as separate files,
     Financial Wonder can be a marvelous tool for corporate planning.
                                     - 10 -
                                OSAS EXAMPLES
                                -------------

        Financial Wonder can be used to produce financial reports. Financial
     Wonder will also combine OSAS General Ledger v4.1 accounts on import
     (summarizing your financial statements), can create detailed easy-to-mread
     cash reports, FASB 95 cash reports under either the direct or indirect
     methods, and ratio analysis, INSTANTLY!  Full export of formal-looking
     financial statements to Lotus 123 is just ONE-KEYSTROKE away.

        For budgeting, FW can read files from OSAS, and can export budgets
     created within Financial Wonder back into your OSAS GLMAS file.

        For consolidations, a full drill-down to consolidating details is
     provided. Each file to be consolidated can even have its own account
     structure. Amounts can be changed, and new accounts can be added.

        Supplement the following instructions to use our OSAS examples (the
     following will only make sense if used while operating Financial Wonder).

     *   Load the budget file named "OSASSAMP.WDR". This is our standard
         file, plus about 15 accounts have been added. Setting up this file
         took less than 5 minutes. We simply pressed the "INS" key to insert
         some new accounts. Since we will be importing your OSAS account
         numbers, we didn't spend time entering account descriptions.

     *   Press "ENTER" to pull down the "FILES" menu and select the pull-down
         option "Load/Imp/Exp."

     *   Select the option "IMPORT FACILITY - OSAS Import into
         BUDGET/RPT/CONSOL file."

     *   The screen's title will be "Import from Open Systems General Ledger."
         (assuming the FW program is in the C:\WONDER directory), enter the
         following responses:


         Import - Description        User Response
         --------------------        --------------------------------------
         Name of GL file          :  c:\wonder\glmas
         Import                   :  C  (for Current Year)
         First monthly period     :  0  (for the OSAS B/S Opening Balances)
         Last monthly period      :  12 (for months 1 through 12)
         Company ID               :  H  (for the OSAS sample company)
         (B)al or (T)ransaction   :  B  (import balances into the B/S)

         Financial Wonder                        User Response
         ----------------------                  ---------------------------
         Starting column #                     :  0  (import into the FW B/S 
                                                      opening balance)
         Overwrite amounts already in FW?      :  YES
         Clear imported accts thru last column :  YES Clear B/S I/S C/S
         Data Entry (D) or Monthly Calc (M)    :  D  (for Data Entry columns)
         If (D)-Sum amts? If(M)-Chge to #99?   :  YES

        Press "/" to continue, then highlight and press "F10" to select
     the file "OSASSAMP.IMP." 

                                     - 11 -
        In this example, we have chosen to combine a number of OSAS expense
     accounts into just three or four expense accounts within FW. We have
     also chosen to summarize the 12 months of data in the OSAS GL, into
     just one "Data Entry" column within FW, and to import selected OSAS
     account descriptions. After this process is complete, select the
     "Calculate" top-menu option, and the pull-down option "Calculate".

     THAT'S IT! 

        Select the top-menu "Screens", and view the "Data Entry" to see
     the amounts imported from your OSAS file, and "Calc" to view the
     calculated amounts. Press "F1" to change financial statements. Press
     the "Left Arrow" key from the first Data Entry column to view the
     opening balances on the B/S.

        You may now export to Lotus 123 formal reports ("Files" menu option,
     and "Lotus Conv"), or export the raw account information to Lotus 123
     ("Files" then "Load/Imp/Exp", then "Lotus Export Using Setup").


     A SECOND EXAMPLE
     ----------------

     *   Select the "FILES" menu, then "Blank Amounts", and clear all
         amounts in the current spreadsheet (Do Not Clear Formulas).

     *   Select "FILES", then "NEW STRUCT", and change the first year
         from "ANNUAL" to all "MONTHLY", by pressing "M" for monthly.

     *   Now pull down the "FILES" menu and select the pull-down option 
         "Load/Imp/Exp", then select the option "IMPORT FACILITY - OSAS
         Import into BUDGET/RPT/CONSOL file." Follow the same procedures
         as in the first example, except make the following change:

         If(D)-Sum Amts? If(M)-Chge to #99?       :        NO

        Financial Wonder will now import all 12 months, plus the opening
     balances, into Financial Wonder. Simply recalculate, and you have
     complete sets of monthly financial statements, including cash reports
     and ratio analysis. 


     SOME FINAL THOUGHTS
     -------------------
        After you have tried the above examples, take a moment to look at
     the "OSASSAMP.IMP" file used in this example (Select "Load/Imp/Exp",
     then "Import Facility - Create/Modify Import/Export Setup"). The
     Financial Wonder import is very flexible. Each OSAS account imported
     can be individually customized. "Copy down" commands can also save
     you time.

        Remember that the OSAS accounts were not input by the user. In
     setting up the OSASSAMP.IMP file, Financial Wonder read your GLMSK
     file, read your OSAS GLMAS account records, and sorted the account
     numbers by using the same M123 sorting used by your OSAS GL.



                                     - 12 -
                                  CURSOR COMMANDS
                                  ---------------

             Left/Right                         Command
             Left one cell                      LEFT
             Right one cell                     RIGHT
             Left five cells                    SHIFT + TAB
             Right five cells                   TAB
             To beginning of line               HOME
             To end of line                     END

             Up/Down
             Line up                            UP
             Line down                          DOWN
             Up 15 lines                        PGUP
             Down 15 lines                      PGDN
             To top line                        CTRL + PGUP
             To bottom line                     CTRL + PGDN
             To top line - first column         CTRL + HOME
             To bottom line - last column       CTRL + END


                                 SPREADSHEET COMMANDS
                                 --------------------

             Copy right one cell 
               - safety limits                  F2
               - no safety limits               CTRL + F2
             Copy right for curr year
               - safety limits                  F3
               - no safety limits               CTRL + F3
             Copy right for all years
               - safety limits                  F4 
               - no safety limits               CTRL + F4

             Change account number              F5
             Change account description         F6
             Remove mark for deletion           F8
             Delete line                        CTRL + F8
             Add new line                       INS
             Mark line for deletion             DEL

             Activate Top-Menu                  '/'
             Escape Pull-Down or Top-Menu       ESC

                            SEASONALITY COMMANDS
                            --------------------

     Copy right one cell                   F2, F3, CTRL+F2, or CTRL+F3
     Copy right one cell (all months)      SHFT+F2 or SHFT+F3
     Copy for all years                    F4 or CTRL+F4
     Copy for all years (all months)       SHFT+F4






                                     - 13 -
                                   COLORS
                                   ------

     Groupings:  Data Entry, Formula Entry, Calculations and Monthly Calc,
                 Seasonality, Setup

     Portion of Screen        KEY          No. of Colors Available
     -----------------        ---          -----------------------
     Background               ALT + F1               8
     Cell-block               ALT + F2              16
     Account numbers          ALT + F3              16
     Month/Year heading       ALT + F4              16
     Account descriptions     ALT + F5              16
     Cell amounts             ALT + F6              16
     Menu                     ALT + F7              16
     Menu descriptions        ALT + F8              16
     Statement title          ALT + F9              16
     Default colors
       -all items above       ALT + F10             16


                                  SCREENS
                                  -------

                      Destination                  Movement
                      -----------  ------------------------------------------
                      Top Menu     Pull-down     Key
                      -----------  ---------     ----------------------------
     Data Entry       Screens      Data Entry    F1 - from B/S,I/S or C/S
                                                 F9 or '/'-from Formula Entry

     Historical B/S   Screens      Data Entry    LEFT arrow from 1st column

     Formula Entry    Screens      Data Entry    F10

     Calculations     Screens      Calculations  F1 - from B/S,I/S or C/S

     Monthly Calc     Screens      Monthly Calc  F1 - from B/S,I/S or C/S




















                                     - 14 -
                             Formula Method Types
                             --------------------

     Most competitor products allow the use of one formula method for each
     account. FW allows the selection of a different method for each amount
     (cell) entered.

     Types                              Methods 
     ------------------                 --------------------------
     Nonclassified                      # 26 to 99

         Exact Balance or amount   - no spreading to be considered


     Balance Sheet                      #101 to 164

         Balance sheet types represent accumulating or growth balances.
         Spreading ties together the peaks of the opening and closing
         balances. For example, the opening balance for cash might be
         $90 with $120 representing the balance after one Quarter
         (of a year). The intervening months might show $100 and $110
         establishing a line between the peaks of $90 for the opening
         balance and $120 for the closing balance. Balance sheet types
         represent a balance at the end of a specified period.


     Income Statement                   #201 to 261

         Income statement types represent the total amount for that period.
         An amount of $120 for one Quarter might be spread $40, $40 and $40
         for each of the three monthly periods. Income statement types
         represent amounts to be distributed over the period.
    
         Cash statement method selection will entail using a combination of
         the three distinct types noted above. Capital investment and
         income/loss accounts will typically use income statement or
         nonclassified type methods. Requests for number of shares of
         capital stock will typically use nonclassified methods.


     Regular Use
     -----------
     For example, if "Other Assets" had a 12/31 balance of $10,000 and was
     forecast using B/S method #101 to be $20,000 at the end of the first
     Quarter(3 month period), the results would be as follows:

       Jan          Feb           Mar
     -------      -------       -------
     $13,333      $16,667       $20,000

     If "Sales" were forecast using I/S method #201 to be $10,000 for the
     first Quarter, the results would be as follows:

      Jan           Feb           Mar            Total for Prd
     -----         -----         -----          ---------------
     $3333         $3334         $3333              $10,000


                                     - 15 -
     Optional Use
     ------------
     To allow for total flexibility and optimum power, most formula methods
     have been made available to each of the financial statement screens.

     For example, if "Sales" were to be forecast using I/S method #201
     as $10,000 for a selected Quarter(3 month period), the results would
     be as follows:

      Jan           Feb           Mar            Total for Prd
     -----         -----         -----          ---------------
     $3333         $3334         $3333              $10,000

     However, using B/S method #101 on this I/S account would result in the
     following results:

      Jan           Feb           Mar            Total for Prd
     -----         -----         -------        ---------------
     $3333         $6667         $10,000            $20,000

     The monthly results will be based on the method selected, whereas the
     total for the period is based on whether the financial statement
     represents a balance (B/S) or an accumulated amount (I/S or C/S).


                         Formula Methods Available
                         -------------------------
     FORMULA
     METHOD
     NUMBER     FORMULA METHODS DESCRIBED
     -------    -------------------------
     26-37      Nonclassified-Accumulating Dollar Amount to be Placed
                into Each Month Ending with a Selected Month

     38-49      Nonclassified-Accumulating Dollar Amount to be Placed
                into Each Month Starting with a Selected Month

     56-67      Nonclassified-Dollar Amount to be Placed into a Month
                Ending with a Selected Month

     68-79      Nonclassified-Dollar Amount to be Placed into a Month
                Starting with a Selected Month

     80-91      Nonclassified - One Month Dollar Amount NO Spreading

      95        Nonclassified - Dollar Amount Placed into Each Month

      99        Nonclassified - If formula method #99 is selected,
                dashes will appear in the data entry cell. The user may
                now go directly to the "Monthly Calc" screen, and enter
                the amounts into each monthly column. The user will only
                be allowed to enter amounts into cells reflective of a
                data entry cell with a formula method of #99.





                                     - 16 -
     FORMULA
     METHOD
     NUMBER     FORMULA METHODS DESCRIBED
     -------    -------------------------
     B/S I/S
     --- ---    Specify Dollar Units
                --------------------
     101 201    Spread over the period evenly
     102 202    Spread over the period seasonally adjusted
     103 203    Increase by geo progression over the period
     104 204    Increase by geo progression seasonally adjusted

                Increase the Previous Balance by an Amount
                ------------------------------------------
     105 205    Spread over the period evenly
     106 206    Spread over the period seasonally adjusted
     107 207    Increase by geo progression over the period
     108 208    Increase by geo progression seasonally adjusted

                Growth Rate - Increment the PrevBal by a %,
                Adjust for period size diff
                -------------------------------------------
     111 211    Spread over the period evenly
     112 212    Spread over the period seasonally adjusted
     113 213    Increase by geo progression over the period
     114 214    Increase by geo progression seasonally adjusted

                Growth Rate - Increment the PrevBal by a %,
                NO adj for period size diff
                -------------------------------------------
     115 215    Spread over the period evenly
     116 216    Spread over the period seasonally adjusted
     117 217    Increase by geo progression over the period
     118 218    Increase by geo progression seasonally adjusted

                Annual % Increase - NO compounding,
                Adjust for period size diff
                -----------------------------------
     121 221    Spread over the period evenly
     122 222    Spread over the period seasonally adjusted
     123 223    Increase by geo progression over the period
     124 224    Increase by geo progression seasonally adjusted

                Increment the PrevBal by an Annual % -Compounded
                ------------------------------------------------
     131 231    Exact seasonal amount
     132 232    Rounded seasonal amount
     133 233    Non-seasonal amount (no rounding required)










                                     - 17 -
                Other
                -----
     141 241    Percent of Another Variable
     142 242    Percent of Another Variable's Previous Month
     151 251    Percent of a Change in Another Variable
     152 252    Percent of a $ Change in Another Variable

     162  *     State Receivables as Average Days Outstanding
     163  *     State Payables as Average Days Outstanding
     164  *     State Inventory as Average Days Outstanding

     260  *     Income Tax - Specify Dollar Amount
     261  *     Income Tax - Percent of Income Before Taxes
                             +Non-tax deductible Amounts


     (*)  To allow for total flexibility and optimum power all formula
          methods, with the exception of those marked with an '*', have
          been made available to each of the financial statement screens.







































                                     - 18 -
                                 BALANCE  SHEET
                                 --------------

     Acct #   Account Description
     ------   -------------------
     100000   Cash
     101000   Cash equiv - MM
     102000   Cash equiv - CDs
     103000   Marketable securities
     104000   MARKETABLE SECURITIES
     105000   Accounts receivable
     106000   Allow doubtful accoun
     108000   Inventories
     110000   Notes receivable
     111000   NOTES RECEIVABLE
     114000   Prepaid expense
     116000   Income tax receivable
     118000   Intercompany-current
     119000   Deferred tax
     120000   Other current assets
     125000   TOTAL CURRENT ASSETS

     127000   Income tax receivable
     128000   Notes receivable
     129000   NOTES RECEIVABLE
     130000   Gross PP & E
     131000   Accum depreciation
     134000   Land
     136000   Goodwill
     138000   Other intangibles
     140000   Invest: Equity method
     141000   Invest: Cost method
     142000   Deferred tax
     145000   Other assets
     150000   TOTAL ASSETS























                                     - 19 -
                                 BALANCE  SHEET
                                 --------------

     Acct #   Account Description
     ------   -------------------
     152000   Notes payable
     153000   Trade notes payable
     156000   Accounts payable
     158000   Accrued expenses
     160000   Income tax payable
     162000   Current portion - LTD
     163000   CURRENT PORTION - LTD
     166000   Intercompany-current
     168000   Deferred tax
     170000   Other current liab
     175000   TOTAL CURRENT LIAB

     177000   L-T debt
     178000   L-T DEBT
     179000   ADDITIONAL LOANS
     180000   Income tax payable
     182000   Deferred tax
     184000   Minority interest
     186000   Other liabilities
     188000   Mandat redeem pref st
     190000   TOTAL LIABILITIES

     192000   Preferred stock
     193000   Common stock
     194000   Paid in capital
     196000   RETAINED EARNINGS
     198000   TOTAL EQUITY
     199000   TOTAL LIAB & EQUITY

























                                     - 20 -
                                INCOME STATEMENT
                                ----------------

     Acct #   Account Description
     ------   -------------------
     200000   Sales
     204000   SALES
     205000   Quantity
     206000   Price
     208000   Other Income
     209000   TOTAL INCOME

     210000   Cost of goods sold
     212000   Direct labor
     214000   Direct materials
     216000   Factory overhead
     220000   Other costs
     225000   GROSS PROFIT

     230000   SG & A expense
     231000   Selling
     232000   General
     233000   Administrative
     240000   Depreciation
     241000   Amortization
     242000   Amort of goodwill
     244000   Other expense
     246000   Other income
     250000   OPERATING PROFIT

     252000   Interest expense
     254000   Int exp -excess debt
     255000   Ex Dbt-Days in Cur Pd
     258000   Interest income
     260000   Int inc -excess cash
     261000   Ex Csh-Days in Cur Pd
     264000   Dividend income
     268000   Other expense
     269000   Other income
     272000   Loss on sale of prop
     273000   Gain on sale of prop
     276000   Equity in uncon subs
     278000   Minority interests
     280000   INCOME BEFORE TAXES

     282000   Income tax expense
     283000   Other income tax
     285000   Extraordinary items
     286000   Tax benefits
     290000   NET INCOME

     292000   Common dividends
     294000   Preferred dividends
     295000   NET INCOME RETAINED




                                     - 21 -
                            CASH STATEMENT - DATA  ENTRY
                            ----------------------------

     Acct #   Account Description
     ------   -------------------
     300000   Wgt ave shares-by per
     301000   Com shares - year-end
     302000   Primary shares-by per
     303000   Ful dil shares-yr end
     310000   Discount rate (A)
     311000   Discount rate (B)
     312000   Discount rate (C)
     313000   Discount rate (D)
     320000   Fixed asset additions
     321000   Proc from asset sale
     324000   Land additions
     325000   Proc from land sale
     328000   Goodwill additions
     329000   Proc from gdwill sale
     332000   Other intang addition
     333000   Proc from intang sale
     334000   Dividends from subsid
     335000   Equity invst addition
     336000   Proc-equity invt sale
     337000   Cost invest addition
     338000   Proc-cost invest sale
     350000   Proc from pfrd stock
     352000   Proc from common stck
     360000   Depreciation - other
     362000   Amortization - other
     364000   Amort of gdwill-other
     370000   Loss on sale of asset
     371000   Gain on sale of asset
     372000   Loss on sale of land
     373000   Gain on sale of land
     374000   Loss on sale of gdwil
     375000   Gain on sale of gdwil
     376000   Loss on sale of intan
     377000   Gain on sale of intan
     378000   Loss on equity invest
     379000   Gain on equity invest
     380000   Loss on cost invest
     381000   Gain on cost invest















                                     - 22 -
                             CASH STATEMENT
                           ------------------

     Acct #   Account Description
     ------   -------------------

              SUMMARY CASH FLOW
              =================
     402000   Income before taxes

     404000   ADJUSTMENTS DUE TO :
     406000   Operations
     408000   Working capital
     410000   Assets
     412000   Liabilities
     414000   Equity
     419000   CASH FLOW


     420000   OPERATIONS :
     421000   Depr & amort - ded
     422000   Depr & amort - nonded
     423000   Taxes paid
     424000   Unrem earn from subs
     425000   Minority int of p&l
     426000   Loss on sale of asset
     427000   Gain on sale of asset
     428000   Loss on sale of land
     429000   Gain on sale of land
     430000   Loss on sale of gdwil
     431000   Gain on sale of gdwil
     432000   Loss on sale of intan
     433000   Gain on sale of intan 
     434000   Loss on equity invest
     435000   Gain on equity invest
     436000   Loss on cost invest
     437000   Gain on cost invest
     438000   Gain on extraord item
     439000   TOTAL OPERATIONS

     440000   WORKING CAPITAL :
     441000   Cash
     442000   Cash equiv - MM
     443000   Cash equiv - CDs
     444000   Marketable securities
     445000   Accounts receivable
     446000   Allow doubtful accoun
     447000   Inventories
     448000   Prepaid expense
     449000   Intercompany-current
     450000   Other current assets
     451000   Notes payable
     452000   Trade notes payable
     453000   Accounts payable
     454000   Accrued expenses
     455000   Intercompany-current
     456000   Other current liab
     458000   TOTAL WORKING CAPITAL
                                     - 23 -
                                 CASH STATEMENT
                                 --------------

     Acct #   Account Description
     ------   -------------------
     460000   ASSETS :
     461000   Fixed asset additions
     462000   Proc from asset sale
     463000   Fixed asset adj
     464000   Land additions
     465000   Proc from land sale
     466000   Land adj
     467000   Goodwill additions
     468000   Proc from gdwill sale
     469000   Goodwill adj
     470000   Other intang addition
     471000   Proc from intang sale
     472000   Intangible adj
     473000   Equity invst addition
     474000   Proc-equity inv sale
     475000   Equity invest adj
     476000   Cost invest addition
     477000   Proc-cost invest sale
     478000   Cost invest adj
     479000   LT Note rec adj
     480000   Change in LT Note rec
     481000   Chge in curr note rec
     482000   Other assets
     484000   TOTAL ASSETS

     490000   LIABILITIES :
     491000   LT Debt adj
     492000   Change in LT Debt
     493000   Change in cur LT Debt
     494000   Other liabilities
     495000   Mand red prfd stock
     497000   TOTAL LIABILITIES

     500000   EQUITY :
     501000   Proc from pfrd stock
     502000   Proc from com stock
     503000   Pfrd dividends
     504000   Common dividends
     505000   Equity adj
     507000   TOTAL EQUITY

     509000   TAXES PAID:  
     510000   Curr inc tax receiv
     511000   Noncur inc tax receiv
     512000   Curr def tax receiv
     513000   Noncur def tax receiv
     514000   Curr inc tax payable
     515000   Noncur inc tax payabl
     516000   Curr def tax payable
     517000   Noncur def tax payabl
     518000   Income tax expense
     519000   TOTAL TAXES PAID

                                     - 24 -
                                   CASH STATEMENT
                                   --------------

     Acct #   Account Description
     ------   -------------------

              FINANCIAL RATIOS
              ================
              Operations Performance
              ----------------------
     521000   Gross Profit Margin
     522000   Operating Profit Margin
     523000   Net Profit Margin
     524000   Net Profit Retained Margin
     525000   Return on Investment
     526000   Return on Equity
     527000   Return on Common Stock Equity
     528000   Earnings Per Share

              Management Perform. Per Share
              -----------------------------
     531000   Cash Flow
     532000   PV Cash Flow (A)
     533000   PV Cash Flow FTD (A)
     534000   PV Cash Flow (B)
     535000   PV Cash Flow FTD (B)
     536000   PV Cash Flow (C)
     537000   PV Cash Flow FTD (C)
     538000   PV Cash Flow (D)
     539000   PV Cash Flow FTD (D)
     540000   Primary EPS
     541000   Fully Diluted EPS
     542000   Common Dividends
     543000   Book Value
     544000   Cash Return on BV
     545000   Cash Return on BV FTD

              Liquidity
              ---------
     551000   Quick Ratio
     552000   Current Ratio

              Leverage
              --------
     561000   Debt Ratio
     562000   Debt-Equity Ratio
     563000   Debt-Capital Ratio
     564000   Equity Ratio
     565000   Times Interest Earned









                                     - 25 -
                                   CASH STATEMENT
                                   --------------

     Acct #   Account Description
     ------   -------------------

              Management Performance
              ----------------------
     571000   Total Asset Turnover
     572000   Inventory Turnover
     573000   Days in Inventory
     574000   Accounts Receivable Turnover
     575000   Days in Receivables
     576000   Accounts Payable Turnover
     577000   Days in Payables
     578000   Optm A/R aging: curr
     579000   Optm A/R aging: 0-30
     580000   Optm A/R aging: 31-60
     581000   Optm A/R aging: 61-90
     582000   Optm A/R aging:91-120
     583000   Optm A/R aging: > 120
     584000   Optm A/P aging: curr
     585000   Optm A/P aging: 0-30
     586000   Optm A/P aging: 31-60
     587000   Optm A/P aging: 61-90
     588000   Optm A/P aging:91-120
     589000   Optm A/P aging: > 120































                                     - 26 -
                                   ORDER FORM
                                   ----------
BrainChild Software, Inc.
2 Thomas Lane, Plainview, New York  11803   (516) 822-1132

Name:    _________________________________________

Company: _________________________________________

Title:   _________________________________________

Address: _________________________________________
(No PO Box #s for UPS delivery)

City,St,Zip: _____________________________________

Phone #:   (_____) _______-___________

Accounting System & Platform (DOS/Windows/Unix):_________________________

Diskette format (choose one)
5.25" 360K disks (7) _______         3.5" 720K disks (4)  _______

(IBM PC or compatible - NOT COPY PROTECTED ! - Full Printed Manual)
30-day money back guarantee applies to the documentation and 
Demo/Limited-Version ONLY !

Financial Wonder program ......(reg. $295), Special $99       $__________

Financial Wonder for OSAS (v4.1)..(reg. $395), Special $149   $__________
          All FW features, plus the ability to read and write 
          OSAS General Ledger v4.1 files.

Financial Wonder - 120 & 240 month versions (FW 10 and FW 20).
          Requires ownership of Standard or OSAS Version
          All versions are upward compatible
          ... (reg. $95), Special $39                         $__________

          (We recommend a 386 computer for the 120 month version,
           and a fast 386 or 486 for the 240 month version)

Financial Wonder Extended License, $10 for each additional license authorization
          Financial Wonder products are licensed for one installation, 
          or one concurrent user on a network. Additional licenses must 
          be separately purchased for each additional use of either 
          Financial Wonder, Financial Wonder for OSAS, or FW 10 & FW 20.

          $10 x  _____  (# of licenses) additional licenses.  $__________
          Please specify which product(s) licenses & quantity 
          are being purchased.

          _________________________________________________

New York residents add state & local sales tax ..........     $__________
Shipping (UPS ground - approx. 4 lbs) ...................     $         7
COD (company check) within the US add $5 ................     $__________

Total enclosed (Check from a U.S. bank in U.S. funds)         $
                                                               ==========