Welcome, This AI Generative Chatbot was developed for classes professor Frank Sortino taught with Dr. Ronjon Nag at Stanford University. Frank is now retiring from the world of finance to enjoy the beauty of the Lake Wildwood Gated Community in the Sierra foothills. His software will continue to be available to registered members until further notice. Kal Salama worked closely with Frank at the Pension Research Institute until joining major investment firms like Invesco (managers of the Nasdaq Index). Kal will continue to inform members via Broadcasts of financial developments through his Market Reviews. To use the DTR and TPR software, cursor down to The 1st Red Arrow box with Frank’s photo and play the 10 minute video. Afterward, click, "DTR Calculator", to calculate your DTR. Now use this DTR in the TPR Calculator, where you can change the Ticker symbol from SPY to whatever ticker you want. For personal advice, Kal is a registered investment advisor.