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It's really frustrating as it seems my in-laws have done a lot with good intentions but the $ is low and the hassle can be high.

Good intentions. My grandmother gave me 10 shares of American Airlines back in about 1952 when I graduated from high school. I had the certificate for about 10 ears and sold it I do not recall if it even went up in the interval, but if it did, it was not by much. I suppose it could have been worse: Capital airlines or Mohawk airlines perhaps?
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