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This audio commentary is for your private information. The views expressed are subject to change based on changing market conditions. This does not constitute investment advice and should not be relied on as such. It is not a solicitation to buy or an offer to sell securities, and it does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. Information presented is believed to be from reliable sources, but its accuracy is not guaranteed. There is no warranty for the accuracy of, nor liability for, decisions made based on this commentary. Past performance is no guarantee of future results.