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I always enjoy these presentations. I do think that low interest rates and negative interest rates now in place have to be considered for the damage they cause to equities especially if the investor we work with needs income in retirement. The central Banks What about talking about the negative effect of DEBT on Governments sovereign debt, and the consumer and Corporations who have increased their debt to 14 Trillion dollars over the last 7 years. Debt used to buy back stock is not productive.