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Outstanding! . . . . all of it, even though you may be overdoing it a little for the emphasis on “VARIABLE ANNUITY”. ;-)

Thank you for the compliment.

I'm not sure how to approach the issue of delineating "fixed" vs. "variable" to not offend your sensibilities, but am open to suggestions.

For me, as I may have indicated before, the conversation is almost always about the VARIABLE product as that seems to have the most issues attendant to it.

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