Well put, I don't do life but have plenty of experience with P&C and some professional coverage lines. Law of large numbers type stuff makes sense, and if their

Well put, I don't do life but have plenty of experience with P&C and some professional coverage lines. Law of large numbers type stuff makes sense, and if their actuaries don't see it happening, then yeah get out! Totally in agreement with you that ZIRP's downstream consequences are significant, and, I believe, distasteful in the context of global markets.