Hi jcl,

Appreciate your help to verify/clarify some things about Z8 & Z9:

a) The manual states that Z8's default assets were selected on the basis of "industry diversity and by their supposed long-term prospects". Z9 doesn't have the same statement, but presumably Z9's selection criteria is the same?

b) For both, the Heat Map goal is to be as blue as possible, correct?

c) If Z9 doesn't have anything to invest in, it moves to Treasuries - is this configurable? Can something else be selected as the "park" asset?

d) What portion of Z9's better performance is due to the different algorithm vs. the different assets? Can this be determined by running Z9 with the Z8 asset list (and/or vice versa)? Or is something else going on?

e) Z8 & Z9 both follow the square root withdrawal rule, correct?

Thanks!