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Craig deserves an A+ grade for today's webinar. His methodical, disciplined approach to the topic affords webinar attendees a great opportunity to understand the inner workings of diversification, rebalancing and especially, client dialogue on the topic of buying low and selling high. All of these points bear repetition and Craig's style of presentation serves as a reminder to advisors that these issues have to be faced head-on. A webinar on correlation would probably be of great interest to A4A members.