Yes my friend my typing skills are horrific that why i have a sec and actually im a much better pianist then a typist actually an award winning composr but thats a diff thread , While Im sure there are many on here with more experience then my 23 years there are very few who beat my PERORMANCE if they are emploring any of the strategies i see spoken of here. i spent 20 years at the larget new York firms and worked with the largest money manager in the country thru the 90’s and into 2001 and BOTTOM LINE they all got killed while charging their 1-2 % fee. THe truth has started to leak into the press as we see with the Wharton Proof of indexed Annuities beating most classes . Ed Slott Waren Buffet are all NOW stating fixd annuities as well as Indexed annuities have a valid place in a retirement portfolio. so until i can see a guaranteeed startegy that will not allow my clients to be subjected to the LOSSES im sure youre clients have had to stomach grammer and sentence structure are really of little interest to me