Your formula for final payment does not seem to take several things into consideration- What about businesses that have closed due to the spill? 2 years (actually 16 months by your calculations) of losses do not cover a now closed business potential over a lifetime.Hundreds- if not thousands of businesses along the Gulf Coast were forced out of business by the end of 2010.Many of which had seen increasing revenue in the 1st quarter of 2010 only to have it plummet after the spill.

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