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Thank you to Craig for continuously stressing the difficulty of predicting which asset classes will do well each year. We all have a tendency to think we can do this, but as the data has proven, it is not so easy. Perhaps a future seminar could include a discussion of Craig's use of Vanguard, Fidelity, T. Rowe Price, etc. for specialized 7-12 portfolios using those funds for investors who happen to have their 401k, etc. custody held there.