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<< No insult or shading intended, I'm just curious. >>

The question certainly does not insult me. Why would it? And, over the years you should have seen many of my posts hear and checking my personal profile should have satisfied that curiosity. Huh? ;-)

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Actually, your profile doesn't say that much about what you do, that's why I asked. I included a qualifier about asking because its easy for questions or remarks on an electronic forum to be misinterpreted, and I had no intention of starting a pissing contest over silly stuff.

FWIW, I have a fundamentally different take on annuities than you do, and its highly unlikely that you will be able to convince me otherwise. That's OK; we can certainly agree to disagree as far as I am concerned. I'll allow that there are some situations where annuities make sense, but such situations are not anywhere near as widespread as the industry would suggest.

Oh, and I am quite well aware of what EIAs are and how they work. As an industry analyst, I am painfully conversant with the products and players in this arena.
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