Part 2/15:

One of the core themes is the alarming increase in excess mortality, particularly among affluent and younger demographic groups. Dow emphasizes that, as of May 2023, real-time data indicates a persistent excess mortality rate of around 23%, a figure described as catastrophic—comparable to a "200-year flood." He highlights that the most affected are middle-class life policyholders, especially millennials, who statistically should not be dying at such rates.