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With any luck, inside of eight years we'll get a better deal in one of the more conservative asset classes. You may get a chance to conservativly lock up some money at a 4% rate or better.

Also, I think REITs could offer a good return at some point. They've been in the 9% yeild range in the past. If I could lock up a diversified basket of them somewhere around there, I'd essentially be done worrying.

Other opportunities may present themselves as well. Best of luck.

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