... +3Ztfor t = 1, 2, 3, 4, and 5, where each Ztis drawn from a 11 6 FINANCIAL MODELING WITH CRYSTAL BALL AND EXCEL FIGURE 7 .11 Spider chart.analysis of the relationships between the randomly generated ... error from the means of$6.02 and 20% shown in Figures 7 .15 and 7 .16 . This is a manifestation of Jensen’s 10 8 FINANCIAL MODELING WITH CRYSTAL BALL AND EXCEL normal(0 ,1) distribution independently ... are 10 6 FINANCIAL MODELING WITH CRYSTAL BALL AND EXCEL FIGURE 7 .1 Spreadsheet segment to model annuity with deterministiccash flows of − $10 0 at the end of Year 0, and $30 at the end of Years 1 through...