Because IUL is a product that has so many "moving parts", how do you respond to "what if" questions by a prospect during the presentation? Do you run the illustration software on the spot to show a different scenario or do you tell him you need to have someone else rerun the illustration for you? Also I heard that Winflex does not work well for some carriers' products. For those of you generate your own illustrations, do you have access to multiple carriers software? TIA.