Believe it or not, that's the one is started to read. I didn't known the meat of the plan stopped at page 33, it looked to me by scanning it that it went all the way to page 277.

What gets really confusing is that they talk about 3 or 4 different riders all at once. How more confusing can you make it?

The following is an interesting clip:

*The formula begins by determining the value on that Valuation Day that, if appreciated at the applicable discount rate,*

*would equal the guarantee amount at the end of the Base Guarantee Period or Step-Up Guarantee Period. We call the*

*greatest of these values the “current liability (L).”*

*L = MAX (L**i), where Li = Gi / (1 + di)(Ni/365)**.*

*Next the formula calculates the following formula ratio:*

*r = (L – B) / V.*

*If the formula ratio exceeds an upper target value, then all or a portion of the Account Value will be transferred to the*

*bond fund Sub-account associated with the current liability. If at the time we make a transfer to the bond fund Subaccount*

*associated with the current liability there is Account Value allocated to a bond fund Sub-account not associated*

*with the current liability, we will transfer all assets from that bond fund Sub-account to the bond fund Sub-account*

*associated with the current liability.*

*The formula will transfer assets into the Transfer Account if r > C**u**.*

*The transfer amount is calculated by the following formula:*

*T = {Min(V, [L - B - V*C**t] / (1 – Ct**))}*

*If the formula ratio is less than a lower target value and there are assets in the Transfer Account, then the formula will*

*transfer assets out of the Transfer Account into the elected Sub-accounts.*

*The transfer amount is calculated by the following formula:*

*T = {Min(B, - [L – B- V*C**t] / (1 – Ct**))}*

*If following a transfer to the elected Sub-accounts, there are assets remaining in a bond fund Sub-account not associated*

*with the current liability, we will transfer all assets from that bond fund Sub-account to the bond fund Sub-account*

*associated with the current liability.*

HUH