[smoothfunding] [sitemap] smoothfunding site_update background about_actuaries why_we_are_here long_term risk_premia risk_premia_history risk_premia_components risk_premia_likelihood professionalism financial_economics summary member_data random_numbers return_multiples multiples_over_time pricing_approach outcomes ILGs_EXcluded fund_EXC solv_EXC ruin_EXC ILGs_INcluded fund_INC solv_INC ruin_INC tentative_conclusions interactive_charts jon_spain contact sitemap