\submittedby{Terra Cotta} \address{Institute for Unscientific Computing\\ Bleaker and Bleaker St.\\ East Piddling, Albasa } \email{cotta@rif.gov} \www{http://www.iuc.alb.com/\string~cotta/} \phone{310 405 2678} \fax{310 405 679} \YearsSinceDegree{9} \timereq{31.4159} \title{On Things of Little Interest: How to Compute Low Paying Annuities} \author{Terra Cotta} \author{Granite Sudley} \abstract \newcommand{\submarine}{\mbox{\Huge$\bigcirc$}} This talk concerns the matrix analysis of the spherical submarine pictured below. \[ \submarine \] Immersion in this topic can be worthwhile. \additional Whatever.