Others use more complex formulas, but in essence all these tests are an attempt to guestimate how much income retirees can take each year without outliving their assets.

FORBES: "Do-it-Yourself" retirement income for business owners: the capitalization test - Part 1

MacDonald had looked nervous as Hibs pumped crosses into the box without much real poise, but the stand-in goalkeeper did superbly to deny Fletcher's attempt curl the ball home from 15 yards, turning it wide after the striker was put clear on goal.

BBC: Hibernian 1-0 Hearts