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Thanks Fritz for today's webinar. The idea of answering questions at the beginning of the webinar (taken from previous presentations) is a good one and it helps answer some of the questions that might carry over anyway into today's webinar. So, perhaps that can be continued going forward. Also, we appreciate the repetition of your thoughts on how to handle clients in educating them on the risk premium of stocks, however many of them are actually indifferent to the conversation, unfortunately.