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<<Notice names like Vanguard, T. Rowe Price and Janus there and I'm 99.99999% sure that those companies among others run versions of their funds that are sub-accounts within a VA contract that they provide and this is what I was referring to by getting into their funds was to keep the money WITHIN the VA wrapper but get THOSE BETTER funds. Perhaps, I was a bit hasty in trying to convey that option.>>

That's okay, I understood what you meant.

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