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Nice job and fast thinking by Fritz and A. Gluck on the internet problem. The session was informative, as always, and also definitive in Fritz' assessment of the current market landscape. Fritz is quite convincing in his interpretation and really has no ax to grind, or any superiors to satisfy, which makes his viewpoint all the more independent and valuable. That being said, some of the talking points are perfectly suitable for client discussions as well as for advisor confidence in presentations. Thanks.