Bob problem
   At t=0, 500 + 20
      t=1,...15 +20
        16,...,45 -40

       - units thousands

       Bob: 15yrs accum, 30 yrs decum  case (MV optimal):stock: cap wt;  bond: 10yr :  2019 data
       Stock_index: Real_CapWT_CRSP_April_2019.dat  Bond_index: Real_10yr_bond_April_2019.dat
              - updated data to end of 2018
              - CRSP index, 10yr T-bills

  - MC_controls.dat
   - control file
       {
           .... several lines of header information, 
                which you can ignore
       }
      n_rebal: 46

          "number of rebalancing times"
 
      forward_time: 4.5000000000e+01    Cash_flow: -4.0000000000e+01

          "time  , cash flow at this time"
          " note, this file outputs controls at t=45, 44, ... etc"
          " you will need to reverse this for MC simulation"

      better_than_mean_var: 1 special_pt_b: 1.0602944052e+03

           "  If W_tot >= special_pt_b, then we can hit the
              target by investing (special_pt_b amount) entirely in the bond "

      nx: 8192

          "nx = number of lines in the data for each timestamp"

      W_plus      B_plus

         "W_plus - wealth after injection of cash
          "B_plus - amount in bonds after injection of cash
           "  - this means that S_plus = W_plus - B_plus
           "          i.e. S_plus = amount in stocks

     {
           nx lines of this data
     }

        "next time stamp

forward_time: 4.4000000000e+01    Cash_flow: -4.0000000000e+01
better_than_mean_var: 1 special_pt_b: 1.0777843214e+03
nx: 8192
 W_plus      B_plus

   " etc"


---------------------------------------------------
So, to use this, you would probably read this into a matlab array,
then reverse the order so that you have time in increasing direction.

Then, given a rebalancing time:
    - find the correct timestamp
    - inject the correct amount of cash
    - given a total wealth, interpolate
      bond amount from table
     -NOTE: max W value in table = special_pt_b
              -  special_pt_b amount  in bonds
              -  invest (W_tot - special_pt_b) in bonds
                                               or in stocks
 
                            - your choice