Merge pull request boknows#57 Context sensitive help

Complete implementation for Issue boknows#28: Context sensitive help (3rd try)
from jcoliz/topic-28-nocollapse

help/rebalance.html

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+<p>These are a selection of strategies that can be used to adjust the allocation over
+time.</p>
+<ul>
+    <li><b>None</b> Your portfolio will drift to different percentages depending on how each asset class performs.</li>
+    <li><b>Constant</b> Your portfolio will automatically rebalance each year to match your initially chosen asset
+        allocation.</li>
+    <li><b>Glide Path</b> You will choose a target allocation that is different from your initial one (For example, you
+        want to go from 80%/20% stocks/bonds to 60%/40% stocks and bonds in retirement). You will then choose a "Start
+        Year" and "End Year" to execute this allocation change. Your allocation will slowly change to the target
+        allocation over the course of those years.</li>
+    <li><b>Bonds First</b> Annual spending is taken from the bonds portion, leaving the equities portion allone, until
+        all the bonds have been used up. Then the equities are spent. The actual order is Cash > Gold > Bonds >
+        Equities.</li>
+    <li><b><a href="http://daveleemn.tripod.com/omega_strategy.htm">OmegaNot</a></b> Annual spending is taken from the
+        equities portion as long as the equities are worth as much as or better than their initial inflation adjusted
+        value. Otherwise the spending is taken from the bonds/gold/cash portion.</li>
+</ul>

help/withdrawal.html

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+                    <p>There are MANY withdrawal strategies out there, and
+                        cFIREsim attempts to capture just a few of the more popular ones. If you have a suggestion for
+                        a withdrawal strategy that should be implemented in cFIREsim please <a 
+                            href="https://github.com/alistair-marshall/cFIREsim-open/issues/new/choose">open an issue</a> 
+                        on GitHub and describe your idea.</p>
+                        <ul>
+                        <li><b>Inflation Adjusted:</b> This increases your spending each year by the amount of inflation
+                            indicated in the Inflation Assumptions section on the sidebar. This means that your
+                            "spending power" remains the same throughout retirement. By default, Inflation Assumptions
+                            is set to use the Consumer Price Index (CPI) for it's calculations, which is the generally
+                            accepted rule-of-thumb for inflation.</li>
+                        <li><b>Not Inflation Adjusted:</b> This leaves your spending at the same value as you put in the
+                            Yearly Spending input. This means that as the prices of goods gets higher and higher, your
+                            spending will never go up to match that price increase.</li>
+                        <li><b>% of Portfolio:</b> This calculates your spending each year based on the value of your
+                            portfolio. The default option is a Constant % which means that it will take that same
+                            percentage out of your portfolio each year (in nominal dollars), regardless of market
+                            conditions. If you choose Floor and Ceiling Values, you will be given the option to set
+                            limits to the yearly spending calculation. These floor/ceiling values are based on
+                            inflation-adjusted (according to your Inflation Assumptions in the sidebar) percentages of
+                            the initial portfolio at retirement. Example: With $1M portfolio, you can specify a 4%
+                            nominal withdrawal rate, with a 3.5% floor and 5% ceiling. This means that with
+                            market/inflation fluctuations, your spending will never dip below $35k/yr
+                            (inflation-adjusted) and never go above $50k/yr (inflation-adjusted). Another option for the
+                            Floor Spending is % of Previous Year. This is based on Robert Clyatt's 95% rule, but gives
+                            you the freedom to choose the value. This option states that if the market dips enough to
+                            cause your yearly spending to dip, it will never be less than 95% (or whatever you enter) of
+                            the previous year's spending value. This limits wild fluctuations. (Example: $1M Portfolio,
+                            4% spending, floor of 95% previous year. If in year 2, your portfolio drops to $800k, 4%
+                            would only be $32,000 in spending. However, the floor rule would set your spending to no
+                            less than $40,000 * 95% = $38,000).</li>
+                        <li><b>Hebeler Autopilot Method:</b> is based on <a
+                                href="http://www.marketwatch.com/story/put-retirement-savings-withdrawals-on-autopilot-2013-07-24">Henry
+                                Hebeler's Autopilot Method Article</a>. This Method is a blend between "Inflation
+                            Adjusted Spending" and the Required Minimum Distribution Method (RMD). This method provides
+                            an inflation-adjusted spending that also corresponds to your longevity expectation. Your Age
+                            at Retirement input helps to determine your RMD calculations. The final yearly spending is
+                            an average between the 2 methods, and you can choose the weight that each method has on your
+                            spending calculations by changing the percentage values.</li>
+                        <li><b>Variable Spending:</b> allows for small deviations in spending within those values when
+                            the market dictates it. The Z-value determines how much your spending changes during the
+                            market changes. The method then tracks an inflation-adjusted version of your Spending
+                            amount. Example: If your portfolio is up 10%, Z-value is 0.5, and Spending was $40k, your
+                            new spending is now (1+(10% * 0.5)) * $40k = (1.05)*40k = $42000. Example2: If your
+                            portfolio then is down 25%, Z-value is still 0.5, Spending was $42000, your new spending is
+                            now (1-(25% * 0.5)) * $42k = (0.875)*42000 = your $36750. So, the z-value just provides a
+                            value of how much your spending reacts to your portfolio health. If the Z-value is lower,
+                            your spending swings less. If it is higher, it swings more. Add in the universal Spending
+                            Floor/Ceiling for guardrails, and you've got yourself a pretty good spending method.</li>
+                        <li><b>Guyton-Klinger Method:</b> This method is a hybrid of adjusting your spending by
+                            inflation and the 4% rule, with additional rules regarding bull/bear markets. It was
+                            developed by a pair of economists (Guyton and Klinger). <a
+                                href="http://www.schulmerichandassoc.homestead.com/using_decision_rules_to_create_retirement_withdrawal_profiles.pdf">Please
+                                read their paper on the method before using this option.</a> It properly defines the
+                            rules of the withdrawals. Note: The Guyton-Klinger "Initial Withdrawal Rate" is based on
+                            your Yearly Spending Input and the amount of your portfolio at the time of retirement, not a
+                            static %.</li>
+                        <li><b>VPW Method:</b> A mix of the constant-dollar and constant-percentage methods, with the
+                            goal of spending down your nest-egg nearly completely before the end. <a
+                                href="https://www.bogleheads.org/forum/viewtopic.php?f=10&t=120430">Proposed and
+                                developed by longinvest on the Bogleheads Forums.</a> Your yearly spending is entirely
+                            calculated based on your portfolio at retirement and the number of years that you're in
+                            retirement, along with some factors of asset allocation.</li>
+                        <li><b>Variable CAPE Method:</b> <a
+                                href="https://en.wikipedia.org/wiki/Cyclically_adjusted_price-to-earnings_ratio">CAPE
+                                (Cyclically-adjusted price-to-earning ratio)</a> is a valuation measure usually applied
+                            to the US S&P 500 equity market. It is defined as price divided by the average of ten years
+                            of earnings (moving average), adjusted for inflation. The CAPE method adjusts your
+                            retirement based on this valuation of the market (spending more in the boom times, and less
+                            in the down times). Example for how spending is calculated in a given year: Spending will
+                            always equal (spendingRate = currentCAPEYield * multiplier + constantAdjustment). If we're
+                            in a year where the CAPE is 17.48, currentCAPEYield will equal 1/17.48 or 0.0572. If you
+                            kept the the defaults inputs, the "constantAdjustment" would equal 1/100 or .01. So, for
+                            that given year, your spending rate would be adjusted to 0.0572 * 0.5 + .01 = 0.0386 (or
+                            3.86% withdrawal rate). So if your portfolio happened to be $1M at the time, you'd withdraw
+                            $38,600.</li>
+                    </ul>