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Good to see everyone starting to come back on board :-)

Catherine, thank you for this disturbing information and subsequent suggestions and thoughts. I think you have given your best by bringing the complexity of this recent calamity and ongoing financial shenanigans (what else could they be?) to us for more careful consideration for ourselves and clients. My husband has a degree in economics from Wharton and rails often about the wisdom of great rewards to those who produce nothing but only move money around and devise ways to 'earn' money by such things as credit default swaps - win-win for them, lose-lose for many others. When the politicians and regulators are in collusion with bankers and money 'managers,' what hope is there for the likes of us being manipulated by them? So this will be sobering reading over the next several days when my focus should be on more seasonal issues. I guess we all should try to keep some perspective as best we can. Thanks again, Catherine, and enjoy your holidays and new bathroom!