> Finally, once again, no one is addressing
> why the CVCX I18 sims for the two counts
> come out the way they do -- heavily in favor
> of Halves -- or why the SBA sims that John
> ran for BJA3 come out the same way.

. . . to help zero in on that ( see request to have the sims rerun, sans Insurance )

My thinking is , since the main edge Zen would have on Halves would be on Insurance, maybe the problem is there. SBA allows you set what ratio Insurance pays off at. Maybe that is accidentally set for a bigger Insurance payoff, playing to Zen?s edge?

Just guessing at this point.

John