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Thank you Craig for another great presentation. Seeing the differences between some of the actively managed funds that you presented with respect to risk and reward (via standard deviation as compared to performance) was very enlightening. Fortunately, most of those funds are familiar and have been used over time by most of my clients, which is certainly reassuring. All of the data presented is very useful not only for retirees but particularly for younger people who will benefit from saving early.

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