One thing PDX has done quite well is divide the Indexed UL universe into those who sell PDX and those who don’t. When I talk to producers who know about PDX but don’t sell it, the reason they cite is almost always the excessively high base policy charges. Even producers who understand the basic concept of using the base charges to fund more indexed upside via the Performance Factor still come to the intuitive conclusion that the policy charges themselves dramatically increase the riskiness of the product. When I talk to producers who sell PDX, they usually tell me that the reason they think it’s so attractive is that it performs well even at illustrated rates that feel quite conservative.