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Good presentation today, lots of review and further analysis of PEG ratios, etc. It was helpful to hear Fritz discuss his preferences for handling a "windfall" at this juncture in the market cycle. I concur that putting a large sum of money in at ANY time, to say nothing of an all-time market high, can be challenging when a client turns around and asks why they are suddenly down 5% or 10% or whatever. Prudence dictates that some for of averaging into the market is beneficial psychologically if not in realty