text:  I love Monte Carlo analysis. I don't criticize the methodology. I think the methodology is incredibly useful, but I do criticize the stuff that you type into the Monte Carlo analysis for the assumptions. And that I think people are over-optimistic when they estimate historical stock returns, because we just simply haven't gotten those in the United States in recent years. I wrote an article a couple of years ago in Advisor Perspectives. And one of the points that I make is that