To elucidate the specific associations of the 2 most common genetic risk loci for AMD, the CFH-CFHR5 locus on chromosome 1q32 (Chr1) and the ARMS2/HTRA1 locus on chromosome 10q26 (Chr10)—independent of one another and in combination—with time to conversion to late-stage disease and to visual acuity loss. The gene discussed is HTRA1; the disease is age-related macular degeneration.