Silver......

Just to make sure I understand the variables and economics correctly

$1000.00 for Budwiser beer...........does that amount include the $0.10 deposit?

1. If the above were the case (no pun intended) that would mean a zero growth rate
(Which is still a sound investment compared to the other examples in your presentation)

2. If the purchase was in an area that there isn't any deposit ...you P*$$ it all down the drain
(Though it *would* make your initial purchase of goods "more bang for the buck")

3. If item 2 (from above) is applied and you went to an area that did have a return policy and was able to get said amount
(THEN you have a net profit ;-) )

4. If item 3 (from above) is applied but the return place got you for fraud
(That would be a *negative growth rate" (Really bad investment)