Actually, I was speaking of present value. I understand the risk that the value might change, I was just speaking of the company misrepresenting the value. Ye

Actually, I was speaking of present value. I understand the risk that the value might change, I was just speaking of the company misrepresenting the value. Yes, there is a lot of handwaving and guessing. That's an expected part of the game. It's deliberate deception I was concerned with- not disclosing what they know.