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Great presentation today again Fritz. Thank you for the various reminders of the equity risk premium of stocks and TINA. Also appreciate quotes from Barron's and WSJ, charts from Yardeni, explanations thereto and the research that you do to get your point across on various topics of interest. Part of the educational process, as well as the ability to retain information, is repetition of some of the more important concepts. I think that revisiting these various issues regularly is a good way to present.