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URL:  http://boards.fool.com/i-would-venture-to-guess-the-company-has-the-30918269.aspx

Subject:  Re: WSJ: Don't Buy if Expense Ratio is above 2.0 Date:  10/11/2013  10:36 AM
Author:  buzman Number:  73490 of 76113

I would venture to guess the company has the option to change either of those in the future.

It is quite common in the VA world.
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