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It was nice to have Frank do the short introduction today to address the emotional aspect of retirees in today's uncertain environment. It was just long enough to allow ample time for Craig to follow up with an interesting take on the "safe withdrawal rate" discussion. Great to hear that Craig has updated the spreadsheet again, and in particular is focused on the "cash flow" portion of the spreadsheet, which is critically important to retirees and advisors. Thank you!