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Sheila, thank you so very much for your thoughtful analysis. I describe what stimulated my interest in post #112454 over on the New Paradigm Investing board. They were skeptical there, as well.

My time and money is so well spent on MF. I started reading here, and investing in individual stocks, in the 90's. The dotcom collapse of 2000 chased me into mutual funds for 18 years. My interest rekindled last November, and I was gratified to find MF still alive and well. Your post is exactly what I needed!

Dave
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