Thanks MatPed. I could certainly be not understanding, but my understanding is that the probability to blow out an account IS linked to the square root theory. In fact, it's purpose is to prevent blowing up...

Specifically:

I started an account 9 years ago with $500 per the Test CR (i.e., not under-capitalized). Its balance today is $650. The square root theory says if I withdraw <=$80 I am not in danger of blowing up the account - it is still properly capitalized. If I withdraw >$80 then I have under-capitalized the account and it is in danger of blowing up. Is that not correct?

Then Part 2 is account #2 started 1 year ago also with $500 per the Test CR, so also not under-capitalized. It is also now at $650. And I'm still confused (not at all unusual frown ) by how to reconcile the questions above...

Thanks.