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Today's presentation was a good refresher. I particularly feel that advisors might benefit from Craig's review of the 12X Final Income exercise in several of the earlier slides which illustrates the basic principle of saving an amount equal to 12 times your final salary in order to be able to take 50% of that salary in retirement at a 4% rate. The illustrations and walking everyone through the calculations is helpful. Also good summaries at the end. The methodical and reasoned approach Craig uses is good.