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We are not messengers of any higher or lower power.

Denny, I'm sure you know that "don't shoot the messenger" is a metaphoric phrase and none of the words therein should be taken literally! :)

We are free willed agents acting in our own self interest.

I should hope so. It behooves everyone to ask questions and try to get to the truth, as much as is possible, about other peoples' perspectives and advise concerning all things financial. It's your money!

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