HAH... don't worry, I'm not going off on flax seeds or down on life herafter... I think you have to admit though, there *IS* a not insignificant degree of faith-based belief here (or maybe you have to have the outside perspective to see it, perhaps...)I admit there is a significant amount of skepticism here. The faith-based beliefs seem to be held entirely by you and CC. IUL's were initially touted as having supernatural powers (claims later downgraded and modified--fair enough, it is okay to clarify), including outperformance "in the vast majority of markets at a fraction of the cost overhead." Now outperforming the vast majority of markets sounds pretty darn good to me, and if that's really the case I'd like to sign up, but I haven't seen any evidence (such as backtest or actual historical results) that those claims are even remotely true. None at all. Zero. Way back in January, you said you were going to put together a spreadsheet showing how all this worked. Great! Except you never did. And subsequently several times you promised, actually you *GUARANTEED* (emphasis original) you were going to do this Real Soon Now. Real Soon Now has come and gone a few times since then and *now* the reason the spreadsheet doesn't exist is because readers of this board will simply reject the truth, therefore we don't deserve to see it. Catherine said the same thing about her secret backtest. Unless you believed already, you weren't worthy to look upon it. But unless you look at the results, how do you know if it works? Two different philosophers have spoken on how to approach this conundrum:"Except ye see signs and wonders, ye will not believe."--JesusVs."Extraordinary claims require extraordinary proof."--Carl Sagan
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