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Fritz, that was an amazingly good presentation given that you were sitting in an airport. It's hard to think clearly with all the distractions. Thank you for your dedication and spirit. Appreciate the analysis at the end, and the friendly reminder, that we will need to brace clients for a new world order in terms of total return. The balanced portfolio of 60/40 yielding an average overall nominal total return of 5.4% is certainly going to be a tough pill to swallow for many of them. Great stuff!