I am very interested in more specific information on your query and what seemed optimistic. We have actually tried to be more conservative than most as we feel that adequate lifetime income and sufficient insurance are absolutely necessary for a secure retirement.If you would like to contact me directly -- rather than publishing specifics in this public forum, please submit your inquiry to this forum: http://www.newretirement.com/Contact_Us.aspxTo insure it is routed to me, please put to: "Editor CKC"