Essentially, this is the yearly percentage change in cash value after adjusting for dividends received, premiums paid and the cost of the death coverage itself.

FORBES: Old but still kicking

Margin debt, a seldom-referenced indicator of confidence and speculation has contracted on a yearly percentage change as much as in the bear markets of '74, '82, '87 and '01.

FORBES: Manic Depression To Normalization

Healthy people with no symptoms of a heart problem do not need to undergo stress imaging tests when they go in for a yearly checkup as the test rarely leads to any real change in patient care and management.

FORBES: Physician Organizations Voluntarily Heal Themselves To Save Healthcare Dollars

The yearly returns quoted by Morningstar are snapshots at the end of each year and don't change even as some laggards disappear.

WSJ: Survivorship Bias: Effect on Fund Performance Data