 makeGraph==1;
  
  subplot(2,2,1)
  plot(ttm,100*mean(mean(Zb,3)),'b')
  hold on
  plot(ttm,100*mean(mean(F,3)),'r')
  plot(ttm,100*mean(mean(Zhat,3)),'g')
  hold off
  xlabel('Tenor (yrs.)')
  ylabel('Per cent')
  legend('Current zero','Forward','Forecast zero', ...
	 'Location','Best'); 
  axis([0.25 32 2 5]);
  title('Curves')
  
  subplot(2,2,2)
  plot(ttm,1e4*mean(mean(T,3)),'r')
  hold on  
  plot(ttm,1e4*mean(mean(T1,3)),'g')
  hold off
  legend('Model','RW','Location','Best')
  axis([0.25 32 -70 70