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Thanks, Dave, for all you do. I, like so many other Fools, truly enjoy your writings and have failed to commend you often enough.

I tend to side with your analysis of the FF models, and ended my own BTD-type investments a year ago.

I think it's ironic that certain mechanical investment schemes have fallen from favor during this year's down turn. Has anyone faithfully followed a FF or BTD method for ten years? If they had, I'd bet they'd be less likely to pooh-pooh the 2000 results.

Retirement is still five years off for me, but my investment style will remain the same well past that time: ever changing as experience and knowledge increases.


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