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No. of Recommendations: 2
JLP, JLC, Adenovir, yobria, Nick and Hedge ---

Thanks for your valuable comments.
I've consolidated your comments and will be doing the following:
-Keep two years living expenses in money market funds.
-Sell the ST bond funds and extend the CD ladder for years 3 - 5.
-Rebalance annually by selling equities to a percentage that starts at 65/35 in 2005, and reduces equities by about one % per year, recognizing that we're not getting any younger.
-Rebalancing will involve selling whatever is up, with some discretion to defer selling in a down market.
-Increase our annual withdrawal to $125,000 before-tax, since we will also have Soc Sec and pensions, and we're willing to spend down the principal slowly.

Thanks again for your comments.

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