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We all have different views on just what certain adjectives mean, but I am not sure that I would consider 3.21% moderate growth. Seems like it has grown at a glacial pace, but since most glaciers are receding that might not be the right term as it did provide positive growth.

Let's see, let's assume 25% tax bracket so, 3.21% x 75% equals 2.41% then subtract 1.80% for inflation that leaves you with 0.61%. That would be $61 dollars on each $10,000 after taxes and inflation.

I could take my wife out to dinner for that.
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