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Thank you Fritz for today's informational webinar. Very much appreciated was the analytical examination of the 3 factors which are currently concerning to Fritz in terms of the markets. Those concerns were: 1) earnings estimates appear to be headed lower; 2) The Leading Economic Indicator (LEI) indicator is weakening, and this occurs prior to all recessions; and 3) persistent inflation may continue. It is clear, as Fritz points out, that the Federal Reserve should have acted in 2021 and not waited so long.