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I am embarrassed that it took me this long to find out how to check replies to my posts, to read them, and to blushing-faced respond. Thank you for verifying what we ultimately ended up doing with one very separate IRA account -- the rest are being left alone, but everything seems to be okay now. Only thing -- all mutual funds -- maybe we can convert to stocks over the next six months -- I'm taking the Rule Breaker On-line seminar now (July 2000).

thanks for your reply back in December

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