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<!-- Created by Charles Hoffman, CPA 5/22/2014 10:45:21 AM -->
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  <annotation>
    <documentation>Key financial ratios</documentation>
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        <link:definition>Key Ratios</link:definition>
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  <element id='keyRatios_AssetsEmployed' name='AssetsEmployed' type='keyRatios:keyRatioItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' abstract='true' />
  <element id='keyRatios_AssetTurn' name='AssetTurn' type='keyRatios:keyRatioItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' abstract='true' />
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  <element id='keyRatios_Investment' name='Investment' type='keyRatios:keyRatioItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' abstract='true' />
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  <element id='keyRatios_MarketReturn' name='MarketReturn' type='keyRatios:keyRatioItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' abstract='true' />
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  <element id='keyRatios_ReturnOnInvestment' name='ReturnOnInvestment' type='keyRatios:keyRatioItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' abstract='true' />
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  <element id='keyRatios_RiskFreeRate' name='RiskFreeRate' type='keyRatios:keyRatioItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' abstract='true' />
  <element id='keyRatios_RiskinessSpecificShareBETA' name='RiskinessSpecificShareBETA' type='keyRatios:keyRatioItemType' substitutionGroup='xbrli:item' xbrli:periodType='duration' abstract='true' />
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