Something which my scenario would predict: when investment returns are high in a competitive market then loss ratios are high, as insurers subsidise premiums out of investment income.

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Creating more stable returns and preserving capital is critical to increasing compound returns over time since the lower the portfolio loss in a declining market, the lower the recovery needed to restore lost value.

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Since negative returns are at play, a loss aversion mechanism kicks in, and people will actually go double or nothing in order to keep from losing thereby taking more risk.

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The returns in these instances are quite bearish, with stocks averaging a loss of 1.38%.

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Deposed captain Ryan Jones returns in the back row as Powell injured his shoulder in the bruising loss to England and joins props Adam Jones and Gethin Jenkins and wings Leigh Halfpenny and George North on the injured list.

BBC: Six Nations: Wales wing Stoddart passes fitness test

With the loss of these three icebergs, the front of the Ronne Ice Shelf returns to about the same position it occupied in the 1950s.

BBC: Three giant bergs calved in Antarctic