One problem (there are many, many others) is that all kinds of complicated rules shave off so much of the return in those good stock-market year that the protection in bad years comes at a very stiff price.

FORBES: Thinking Of Buying An Indexed Annuity? Read This First

To work our way out of the current morass, it will be necessary to relax the mark-to-market rules for banks on valuing the assets that need to be taken off of their balance sheets.

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