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because of early withdrawal penalty but it was 80,000 invested initially. Funds X will be later added to Funds Y . The funds must be split four ways. I am one of the four. A, B, C, D . I am D . I don't want to cash the cd in because 1,428 or the difference between 78,572.38 and 80,000 would be lost. I want to contribute 1428 of my own funds in acct E nothing to do with A B C or D to make it 80,000 or the orginal amt invested and then have my cash share D to be 1/4 X minus 80,000 cd plus Y. Does that look right? I will take the cd over to my D account . Fair ? Did I do the math correctly?