Guardian NextGen WL Indexed Rider

I had a chance to run some Guardian illustrations today and a couple of things came to mind.

1- I wish Guardian would allow the Index rider when you blend the policy(option Q).

2- What in the WORLD has happened to Guardian's dividend scale? Its dropped 95 basis points since 2010.
 
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I would disagree. It is just a 2% Fee currently with a 12.50% Cap and a 4% Floor.

The Guaranteed values are 3% Fee with a 8% Cap and 4% Floor.

Considering the 4% floor that is not bad at all imo.
Guardian has currently 4% guaranteed interest and 5.82% dividend rate,12% cap in Index, does that mean the floor with 2% sales charge is 4% - 2%? and the cap is 12% - 2%? i.e 2% floor and 10% cap?
 
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