So many with little faith. Have they not done their due...

So many with little faith. Have they not done their due diligence and closely examined what VUL is about? Or are they mere train jumpers hoping to ride a few dollars for quick profit and have been, of late, shedding tears because they have lost some bread?

Frances made plain that DFS will be thoroughly done and has indicated 18 months - let's say May 2022. Prior to that they must get the OTAs in place.

Short term profiteers, who tend to be downrampers in these parts, are simply here making static noise.

The big picture is very healthy. I am not going to spell out all the reasons. Those who know VUL, know where this is going.

I have been a VUL believer since 0.34. I have done well, yes, but I am not selling one single share. Not one. Why? Because I believe.

Again DYOR...If you're a negative down ramper peddle your torpor elsewhere...