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Great presentation today Fritz. Thank you (again) for continuing to keep up our spirits and to assist in ignoring the naysayers. Specifically, thank you for calling out the so-called strategists. Every year in Barron's I skip over that article because their predictions never come to fruition. Also appreciated slide 109 in which you did a back of the envelope calculation on total returns going forward. You hit the nail on the head with that one. Lots of people are in dreamland on that one.