I just stumbled upon your website through yahoo.answers.com, its a great resource...so much info that I've wanted over the years but had a hard time getting since I'm a college student and can't really afford to be taken. Never owned a car or wanted to set into a dealership because I didn't know how things would go down, but with your website I feel like I can actually buy a car fair and square.
Anyways, I wanted to get that link to your 4 square worksheet. You said it gets involved, I just want it in case.
I did provide a link a few years back but has since found there are several sites now that provide the answer in detail.
Go google, and type " 4 square worksheet " you will get several explanations,,, thanks for your question it made me realize to rewrite that link once again