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Some of the material presented is already out in the advisory community quite broadly, so this was more of a review of Bergen, Pfau and Kitces studies and views. I appreciate the fact that the Monte Carlo simulation uses 5,000 possible outcomes as opposed to the 250 or so that some of the custodians use, but once again, if you're not a fan of Monte Carlo to begin with, it's more of the same. Some of the citations of studies and quotes were informative.