I dont agree with TZ - I have 14m in AS and have run the estimates using this formula on tons of players while ignoring my projected ratings, then looking at my projected and been in the ballpark over 90% of the time. But if TZ's word is a statement that WIS wil not be changing the system, then I am going to start dropping all my AS down to 0 too. Why put myself at a 14 million dollar disadvantage to the rest of the league?
As to bigal's post - 18 million in AS doesnt get the guys to their ratings - that requires playing time, coaching, playing time, avoiding injuries, and playing time (guess which one I consider the most important?).