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Bob thank you for the systematic and methodical delivery of this valuable information. You're able to make a relatively dry subject interesting by presenting in the manner that you do. As you said, there are a lot of questions that are difficult to answer, and it might be advisable for people to seek the services of a FAFSA expert or 529 guru such as Saving For College. com website to answer some of these questions. Please keep up the great work for A4A membership!