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I liked the idea of today's introduction in which Fritz took 3 questions which had been submitted prior to the webinar and delved into those 3 topics, all of which were very timely and on adviser's minds to be sure. Perhaps that could become a regular part of Fritz' delivery each month (answering 3 questions at the outset). Thank you for showing all sides of the argument in almost all cases, whether markets, economy or otherwise. This is very useful and informative for us to make informed decisions.