While Charlie has Goddesses in his mansion, TW has a Corporate Office full of consultants (his version of Goddesses). He goes from meeting to meeting rubbing elbows with his highly paid consultants, and his other top officers do as well. He likes having alot of HR people around, and he pays them well. He just doesn't get around to running the business efficiently and in a cost effective manner. But, as he says in every quarterly earnings miss, "We're out to reinvent retirement/savings/insurance". The guy is such a visionary, but I don't see the results yet. Can anyone comment on whether the new life product is "flying off the shelves" yet. What is it called, "Good for Life"???