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Thank you for your answer.

Can't diversify the stock because
1. it's not publicly traded,
3. the ESOP rules won't let you do anything else with the stock until you retire (20 years for me), die or become disabled.

So unless I can get somebody to buy it as a future asset, I'm stuck with it, and them. $35,000 isn't that much money but I would certainly like to have it when I retire.

Oh well! I have never planned on it (like social security!) so I guess I will continue on NOT planning on it.

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