4.1

Pre-Contract: The Understanding of Investment

4.2

A Totally Trusting and Unsuspicious Mind

4.3

Post-Contract: THE SCHEDULE indicates that All Premium Payments are Invested

4.4

The Encashment Value of the Policy

4.5

Active Concealment

4.6

Investment: A Tortuous Passageway to a Tortured Meaning — The ‘Creaming Off ’ Process

4.7

Contract Conditions totally at variance with the Pre-Contract Representations

4.8

‘Benefits’ — ‘Sleight of Hand’

4.9

Bonus: An ‘Apparent’ Additional Benefit — More ‘Sleight of Hand’

4.10

UNTOUCHABLE ! : The Labyrinth