I just need someone to define "moderately adverse experience".....
http://www.actuary.org/files/Long_Term_Care_Rate_Stability_Practice_Note_2012_1.pdf
----------
BTW, I actually can read the personal worksheet; and I do fully understand your reasoning, Scott. But every once in a while it is fun to mess with you though :-)
You got me.
At least Jack asks a good question: "what is moderately adverse experience".
Jack... I'll send you a video of some actuaries defining "moderately adverse experience".