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Here's my issue - Fritz was still talking at 5:20pm. He even said at 5:10pm that he was going to go 5 more minutes and stay within 50 minutes. At that moment he had already gone 60. He content is great - he needs to find a way to pare it back. Also on a substantive note, bottoms up earnings estimates are notoriously too high (I used to manage a sell-side research dept) so his P/E based on that is too low. One unrelated question: can we use that CFP ethics link after July 1, when my new cycle starts?