<p>Hi. I’m the author of that story. Our estimates for the annual savings amounts were based on national college cost averages, and thus may not apply to the most expensive states, such as Illinois, California and Pennsylvania. Also, for those of you considering moving your funds to “conservative” allocations, please read the section of the story explaining about the hidden risks in 529 bond portfolios. The longer the “duration” of the bond portfolio, the more sensitive the portfolio is to changes in interest rates. The most common bond index portfolio has a duration of more than 6 years, which generally means a 1 percent rise in interest rates can send the value of the fund down about 6 percent. (You can check the “duration” of your 529’s bond fund on Morningstar.com.) The story suggests safer “conservative” choices such as guaranteed principal funds which pay anywhere from 1 to 3 percent and which are insured against fluctuations in interest rates. Thanks everybody, and good luck! Kim Clark</p>