Two months. I haven't posted in two months.

I'll post a full Xmas / New Year / Valentines summary in a day or two, maybe a week's time. I just wanted to be the first person in America to publish this equation. I calculated it some time ago, and I'll also publish it in a Usenet newsgroup (searchable in Google).

Seabrook's Break Even equation = 16p + d

where p = the cost of the monthly premium, and

where d = the deductible amount set by the company.