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Thank you Bob and Andy for a great tax planning webinar, one in a great series of continuing presentations by Bob. The fact that you are a realist about the future of tax reform is quite refreshing. Avoiding predictions of what might or might not happen is a sound strategy. No one knows, as Bob says (and has said in the past repeatedly). Also appreciate your focus on Roth IRA conversions, and the importance of those, as well as the importance of the chart showing effective use of capital gains and losses.