[fcgiii]

We met with ARS after attending their free lunch presentation at Wolfgang Puck's. They push annuities that go up with the market, though not as far, do not go down below what you put in, get readjusted each anniversary date that locks in gains as a new floor, have a ten year life that can be extended if desired, allow 5% removal after the first ear and 5% more each year thereafter, and most important for us: if either I or my wife get incapacitated or have to go into a care facility you can pull the money out penalty free. Thus it seems to be a valid substitute for a long term care policy.