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As always, thank you for the responses. I spoke with my financial institution of choice and they said in general they will reinvest dividends as that is my current "default" choice for the brokerage account but that there are always special cases with pfds. I think with pfds I would prefer to accumulate and then reinvest but at my current investment level it would take some time to accumulate enough dividend $ for reinvestment. Hopefully that will change in the near future. Thanks again.

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