> . . . but don't let either system use an
> Insurance index.

> That should help isolate the negative effect
> on Insurance, of Halves counting the nine.

That's exactly what I said in a thread below. The power of ZEN resides precisely in its insurance efficiency.
Don't need to run the sims because it is obvious that without Insurance HALVES must outperforms ZEN.

In any case, I've posted all the details of my sims just in case you or anyone wanted to verify the posted SCOREs.

Thanks.

Sincerely,
Cac