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Thanks Bob for a thorough analysis (albeit fairly rapid) of the SECURE Act's impact on IRAs and retirement accounts. I think it's also a great idea for you and Andrew to put together a Q and A piece for all of the questions, and you are very kind for agreeing to do that, as it certainly requires a lot of extra work for you. Please continue the wonderful presentations that you have been doing for the A4A community for so long now.

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