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As Andy G. stated, today's presentation by Bob was superlative in many respects. It was probably something that Bob could have used 2 or 3 hours to delve into more deeply. Expounding further on some of these various topics in more detail would be welcomed by those of us who do more heavy-duty tax planning for clients. In fact, the tax planning aspect of what I do as an advisor is one of my strongest selling points, as many others simply do not get involved. Webinars like today's session by Bob are great.