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Bob once again demonstrated his total command of the interplay between taxation and financial planning. In addition, Bob's delivery of information and concepts to attendees is always smooth and completely understandable. He has a knack for making complex ideas simple. That may be due to his presenting so many webinars to fellow professionals. I've found that each time I hear Bob present to A4A, I enjoy it more than the previous time. Bob is truly a valuable asset to A4A. Please keep up the excellent work.