Do we even need a spreadsheet to ask, "What's wrong with this picture?"I'm beginning to think someone does not know how to operate a spreadsheet or even how to calculate time value of money. (Not being snarky, just saying that requests to run numbers for yourself have been met with a brick wall and then this post)Could you please tell us what data has convinced you that IULs are better investments in the long run? Your arguments are becoming less convincing by the hour. -murray
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