^^
That's the main thrust of article, with one analyst suggesting ~1.95% the best we might do. Of course, there is the time-honoured solution of "fixing" the math, by changing the parameters in some way.
And perhaps that offers the best hope for an MPA/MMA; playing with the "reserve" budgets in some way. One ppruner has already suggested this, although it is way above my head how this works.