Blends two engines: a low‑vol “surf” that buys the most beaten‑down fund, and a regime system that buys 3x stock ETFs on big dips or runs a 3x stocks/3x long‑bond mix. Parks in T‑bills when risk is high. Very aggressive; expect big swings.

Two-part tactical plan. 1) When markets are calm, it “surfs” by buying whichever has fallen most lately: 3x tech stocks, 3x Nasdaq, or 7–10yr Treasuries. If markets are choppy, it holds short‑term Treasuries. 2) Regime switch: If the S&P 500 has had a big drop in the past year, it buys 3x Nasdaq or 3x S&P 500 after a sharp weekly slide (skipping days after a big rebound); otherwise it holds T‑bills. If no big drop, it runs a growth mix of 3x stocks (tilted to the steadier one) plus 3x long Treasuries, or T‑bills when risk rises.

Out-of-sample growth engine: ~36.6% annualized return vs ~22.2% for the S&P 500, with regime shifts and 3x leverage on dips plus Treasuries for risk control. Higher upside, but expect larger swings and drawdowns.