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URL:  http://boards.fool.com/deccumulationcant-model-the-market-30626101.aspx

Subject:  Re: Strategy comparison S&P500 vs. IUL [rev 1] Date:  4/7/2013  5:48 PM
Author:  CCinOC Number:  71779 of 76079

Deccumulation...Can't model the market performance from 2013 to 2033 (20 years), because, like, it's in the future. But we can reasonably assume that the future will be similar to the past. So let's say that the 2013-2033 market will perform like the 1970-1990 market.

That's reasonable. Now if you can manage to keep the snark to a minimum--a tall order for you, I realize--we can all learn more comfortably.
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