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Despite the "controversy" in today's webinar, it was certainly an interesting experience. The unexpected transgression into the controversial topic of non-US stocks was a bit unexpected. After all, for 10 years Fritz hasn't said too much about this asset class. Perhaps it was simmering below the surface, however. :) With all due respect to Craig, much has been written in the media about the late John Bogle telling investors to have zero percent in non-US. It seems Fritz has been paying attention! Thank you!