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Mark -
I am in the same camp as you when you wrote that "in all these years I never looked at this (the top 5 - last line TPRs). I've been working my way into TPRs over the last year to a year and a half with a great amount of success. I dismissed them for whatever reason up till then.
On long commutes to work over the winter a year ago, I started listening to Tom Hambleton's lectures on TPRs and something told me to try them. So I wrote up spreadsheet and have pretty well ironed out the adjustments to my satisfaction.
Regards!
Chuck
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