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Hi Cath,

Dave, the difference between you and Ray & Co. is that you assign a quantifiable real dollar value to the risk factor and Ray & Co. does not. Ray & Co. subscribes to the EGBOK (Everything Gonna Be OK) strategy of retirement planning and you don’t.

I don't know that's true... it implies the omission was intentional, and I'm not entirely sure that is the case. It took me a while before I sniffed it out... so if others who don't dwell in this as constantly as I do took longer, I don't think that would be egregious.

We'll see.
Dave Donhoff
Leverage Planner
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