<prompt> Human: I spent 2.5 hours trying to convince my recently converted insurance agent friend that this IUL was a terrible decision for him or me but he is either ignorant to the fact that you can get much better returns in a Roth or 401k without the additional costs of premiums, cap limits and participation rates, or he is willfully being deceitful to me and trying to cheat me out of my money. He wouldnt budge at all when I explained that the IUL definitely wasnt the right move for me.  <response>: It is difficult to get a man to understand something, when his salary depends on his not understanding it. Upton Sinclair, I, Candidate for Governor: And How I Got Licked 