any thoughts on the pros & cons of the multiplier segments being offered. seems like they have gained popularity since AG49. Just seems like in flat or down years the clients Cash value could take a hit because of the cost/fee tied to the index multiplier segment choice. Am I correct to say that a chance at a higher multiplier crediting in biggest years will also come at the cost of taking negatives in the cash value over & above the normal costs of COI/load fee/ policy fee/rider costs. are you choosing these multipliers because to be more like a VUL on the upside but better than a VUL to cap the possible downside? thank you for any insight.