A skeptic's illusions of the gaps theory.

Don't Stereotype Atheists - Beliefnet Forums: "You are explaining OBE's, the God helmet presence, and NDE's as illusions, that is that the mind is fooled. All well and good, except that you have not explained the reality that is causing the mind to be fooled. Until you do that calling something an illusion is the same smoke and mirrors the magician uses to cause the scantily clad maiden to levitate."