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Rapid-fire summary of many of the prior sessions (as Dr. Murtha disclosed at the outset) so this was a valuable review of some of those principles which had been covered in much deeper detail over the past 10 weeks or so. It was helpful to revisit some of these concepts as a review. Particularly liked the discussion of the distinction between behavioral finance and financial counseling. Good points made. I like the idea of an advisory board of advisors to engage in further discussion of these issues.