Abstract: There are computerized processes for financial planning for individuals and groups whose financial portfolio would be subject to tax on certain events. But these processes do not take into account these taxes when optimizing investment decisions, since taxes levied on investment outcomes, typically on income and realized capital gains, may have an important impact on net portfolio results. This invention is a method for transforming the usual pretax information for calculation of an efficient frontier, unique to an investor's portfolio, in such a manner that any portfolio on the calculated frontier is efficient after incorporating the effect of taxes on the risk and expected return of each asset class permitted in the investor's portfolio. This invention addresses how this may be done and how certain facets of the process may be incorporated into a computer program or system so as to provide convenience to the potential user.

Abstract: The present embodiment provides a neat, tailored accordion gusset 4 with crisscrossing elastic ribbons 22 attached to opposite rigid wire frames 8 and 10 of the expandable gusset 4, as well as a tensioned bungee cord 20 attached to the innermost edge of the center seam 26 of the expansion gusset 4. These elastic members 22 are enclosed and sealed from view by the outermost wall 6 of the luggage case 2 and an inner wall 14 defined by an elastic textile such as Spandex or the like. The resulting expansion gusset 4 can best be built into a main packing compartment door 6 of the luggage case 2 and will expand in response to over-packing of the main packing compartment 18 by expanding the expansion gusset 4 in response to the pressure of the goods against the restoring force of the various elastic members 22.