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Craig, nice job today on the managed payout fund analysis! As I mentioned in my question, I think the jury is still out on the real value of these funds over the long term. In other words, the question becomes can an investor adequately fund retirement income using "regular" index or balanced funds, for example, along with possibly a "bucket" approach to withdrawals and still end up with the same (or hopefully, better) results? I recognize that the fund companies like to advertise these funds, but....