I wouldn't go any longer term than 2 years.  You may even want to limit it to 1 
year or 18 months with a smaller provision for 'the future'.

This is something I do a lot of, but it's a bit hard to help you without 
knowing a little bit more.

E-Mail me off-list if you'd like to discuss this further.

>Good point. How about a 2 year plan?
>

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